Northwest Bancshares (NWBI) 10-K 25 Feb 25 2024 FY Annual report Financial data

Cover

Cover - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Feb. 18, 2025	Jun. 30, 2024
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2024
Current Fiscal Year End Date	--12-31
Document Transition Report	false
Entity File Number	001-34582
Entity Registrant Name	NORTHWEST BANCSHARES, INC.
Entity Incorporation, State or Country Code	MD
Entity Tax Identification Number	27-0950358
Entity Address, Address Line One	3 Easton Oval,
Entity Address, Address Line Two	Suite 500,
Entity Address, City or Town	Columbus,
Entity Address, State or Province	OH
Entity Address, Postal Zip Code	43219
City Area Code	814
Local Phone Number	726-2140
Title of 12(b) Security	Common Stock, $0.01 Par Value
Trading Symbol	NWBI
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		127,514,857
Entity Public Float			$ 1,347
Documents Incorporated by Reference	DOCUMENTS INCORPORATED BY REFERENCE Proxy Statement for the 2025 Annual Meeting of Shareholders of the Registrant (Part III).
Entity Central Index Key	0001471265
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	FY
Amendment Flag	false

Audit Information

Audit Information	12 Months Ended
	Dec. 31, 2024
Audit Information [Abstract]
Auditor Name	KPMG LLP
Auditor Location	Pittsburgh, PA
Auditor Firm ID	185

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Assets
Cash and cash equivalents	$ 288,378	$ 122,260
Marketable securities available-for-sale (amortized cost of $1,278,665 and $1,240,003, respectively)	1,108,944	1,043,359
Marketable securities held-to-maturity (fair value of $637,948 and $699,506, respectively)	750,586	814,839
Total cash and cash equivalents and marketable securities	2,147,908	1,980,458
Loans held-for-sale	76,331	8,768
Loans held for investment	11,180,014	11,406,041
Allowance for credit losses	(116,819)	(125,243)
Loans receivable, net	11,063,195	11,280,798
FHLB stock, at cost	21,006	30,146
Accrued interest receivable	46,356	47,353
Real estate owned, net	35	104
Premises and equipment, net	124,246	138,838
Bank-owned life insurance	253,137	251,895
Goodwill	380,997	380,997
Other intangible assets, net	2,837	5,290
Other assets	292,176	294,458
Total assets	14,408,224	14,419,105
Liabilities:
Deposits	12,144,554	11,979,902
Borrowed funds	200,331	398,895
Subordinated debt	114,538	114,189
Junior subordinated debentures	129,834	129,574
Advances by borrowers for taxes and insurance	42,042	45,253
Accrued interest payable	6,935	13,669
Other liabilities	173,134	186,306
Total liabilities	12,811,368	12,867,788
Shareholders’ equity:
Preferred stock, $0.01 par value: 50,000,000 authorized, no shares issued	0	0
Common stock, $0.01 par value: 500,000,000 shares authorized, 127,508,003 and 127,110,453 shares issued and outstanding, respectively	1,275	1,271
Additional paid-in capital	1,033,385	1,024,852
Retained earnings	673,110	674,686
Accumulated other comprehensive loss	(110,914)	(149,492)
Total shareholders’ equity	1,596,856	1,551,317
Total liabilities and shareholders’ equity	$ 14,408,224	$ 14,419,105

CONSOLIDATED STATEMENTS OF FI_2

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Statement of Financial Position [Abstract]
Marketable securities available-for-sale, amortized cost	$ 1,278,665	$ 1,240,003
Securities held-to-maturity	$ 637,948	$ 699,506
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	50,000,000	50,000,000
Preferred stock, shares issued (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	500,000,000	500,000,000
Common stock, shares issued (in shares)	127,508,003	127,110,453
Common stock, shares outstanding (in shares)	127,508,003	127,110,453

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Interest income:
Loans receivable	$ 615,776	$ 543,659	$ 407,828
Mortgage-backed securities	39,793	32,886	30,804
Taxable investment securities	3,274	3,258	3,070
Tax-free investment securities	1,975	2,350	2,767
FHLB stock dividends	1,891	2,868	730
Interest-earning deposits	6,487	2,901	3,599
Total interest income	669,196	587,922	448,798
Interest expense:
Deposits	205,492	105,343	14,120
Borrowed funds	28,126	46,896	13,997
Total interest expense	233,618	152,239	28,117
Net interest income	435,578	435,683	420,681
Provision for credit losses - loans	27,679	18,664	17,860
Provision for credit losses - unfunded commitments	(3,174)	4,210	10,455
Net interest income after provision for credit losses	411,073	412,809	392,366
Noninterest income:
Loss on sale of investments	(39,413)	(8,307)	(8)
Gain on sale of mortgage servicing rights	0	8,305	0
Gain on sale of SBA loans	3,819	1,800	0
Gain on sale of loans	0	726	0
Service charges and fees	62,957	59,214	55,188
Trust and other financial services income	30,102	27,284	27,765
Gain on real estate owned, net	887	2,006	603
Income from bank-owned life insurance	6,327	8,588	7,129
Mortgage banking income	2,321	2,431	4,865
Other operating income	20,010	11,776	15,307
Total noninterest income	87,010	113,823	110,849
Noninterest expense:
Compensation and employee benefits	214,455	195,691	188,359
Premises and occupancy costs	29,469	29,151	29,618
Office operations	12,433	12,955	13,318
Collections expense	2,121	1,695	1,808
Processing expenses	59,351	58,687	52,496
Marketing expenses	8,890	9,444	9,095
Federal deposit insurance premiums	11,600	9,271	4,778
Professional services	14,883	17,819	14,703
Amortization of intangible assets	2,452	3,270	4,277
Real estate owned expense	184	456	223
Merger, asset disposition and restructuring expense	5,763	6,749	5,617
Other expenses	6,936	6,366	5,231
Total noninterest expense	368,537	351,554	329,523
Income before income taxes	129,546	175,078	173,692
Provision for income taxes:
Federal	22,337	31,332	30,910
State	6,931	8,789	9,116
Total provision for income taxes	29,268	40,121	40,026
Net income	$ 100,278	$ 134,957	$ 133,666
Basic earnings per share (in dollars per share)	$ 0.79	$ 1.06	$ 1.05
Diluted earnings per share (in dollars per share)	$ 0.79	$ 1.06	$ 1.05

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Statement of Comprehensive Income [Abstract]
Net income	$ 100,278	$ 134,957	$ 133,666
Net unrealized holding gains/(losses) on marketable securities:
Unrealized holding (losses)/gains, net of tax of $1,193, $(3,429), and $45,321, respectively	(6,378)	7,875	(151,888)
Reclassification adjustment for losses/(gains) included in net income, net of tax of ($7,706), $(1,700), and $0, respectively	26,789	5,672	(1)
Net unrealized holding gains/(losses) on marketable securities	20,411	13,547	(151,889)
Change in fair value of interest rate swaps, net of tax of $(448), $110, and $0, respectively	1,533	(374)	0
Defined benefit plan:
Net gain, net of tax $(6,895), $(3,961), $(7,182), respectively	18,187	10,019	18,884
Reclassification adjustments for prior period service costs and actuarial (gains)/losses included in net income, net of tax of $591, $607, and $202, respectively	(1,553)	(1,526)	(524)
Net gain on defined benefit plans	16,634	8,493	18,360
Other comprehensive income/(loss)	38,578	21,666	(133,529)
Total comprehensive income	$ 138,856	$ 156,623	$ 137

CONSOLIDATED STATEMENTS OF CO_2

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Statement of Comprehensive Income [Abstract]
Unrealized holding gains/(losses), tax	$ 1,193	$ (3,429)	$ 45,321
Reclassification adjustment for losses/(gains) included in net income, tax	(7,706)	(1,700)	0
Change in fair value of interest rate swaps, tax	(448)	110	0
Unrealized holding losses, tax	(6,895)	(3,961)	(7,182)
Realized gains, tax	$ 591	$ 607	$ 202

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Total	ASU 2022-02 Adoption	Common  stock	Additional paid-in capital	Retained earnings	Retained earnings ASU 2022-02 Adoption	Accumulated other comprehensive income/(loss)
Balance at beginning at Dec. 31, 2021	$ 1,583,571		$ 1,266	$ 1,010,405	$ 609,529		$ (37,629)
Comprehensive income:
Net income	133,666				133,666
Other comprehensive income, net of tax	(133,529)						(133,529)
Total comprehensive income	137				133,666		(133,529)
Exercise of stock options	5,173		4	5,169
Stock-based compensation expense	4,074		1	4,073
Stock-based compensation forfeited	(1)		(1)	0
Dividends paid	(101,468)				(101,468)
Balance at ending at Dec. 31, 2022	$ 1,491,486	$ (329)	1,270	1,019,647	641,727	$ (329)	(171,158)
Comprehensive income:
Accounting Standards Update [Extensible List]	Accounting Standards Update 2016-13 [Member]
Net income	$ 134,957				134,957
Other comprehensive income, net of tax	21,666						21,666
Total comprehensive income	156,623				134,957		21,666
Exercise of stock options	630		1	629
Stock-based compensation expense	4,576		1	4,575
Stock-based compensation forfeited	0		(1)	1
Dividends paid	(101,669)				(101,669)
Balance at ending at Dec. 31, 2023	1,551,317		1,271	1,024,852	674,686		(149,492)
Comprehensive income:
Net income	100,278				100,278
Other comprehensive income, net of tax	38,578						38,578
Total comprehensive income	138,856				100,278		38,578
Exercise of stock options	2,455		2	2,453
Stock-based compensation expense	6,082		2	6,080
Dividends paid	(101,854)				(101,854)
Balance at ending at Dec. 31, 2024	$ 1,596,856		$ 1,275	$ 1,033,385	$ 673,110		$ (110,914)

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Statement of Stockholders' Equity [Abstract]
Other comprehensive income, tax (expense) benefit	$ (13,265)	$ (8,373)	$ 38,341
Dividends paid, per share (in dollars per share)	$ 0.80	$ 0.80	$ 0.80

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Operating activities:
Net income	$ 100,278,000	$ 134,957,000	$ 133,666,000
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	24,505,000	22,874,000	28,315,000
Loss on sale of investments	39,413,000	8,307,000	0
Net (gain)/loss on sale of assets	(11,871,000)	2,117,000	42,000
Mortgage banking activity	(3,210,000)	(895,000)	(3,512,000)
Gain on sale of SBA loans	(3,614,000)	(1,754,000)	0
Gain on sale of mortgage servicing rights	0	(8,305,000)	0
Gain on sale of loans	0	(726,000)	0
Net depreciation, amortization and accretion	21,340,000	24,497,000	6,448,000
Increase in other assets	(2,185,000)	(117,813,000)	(33,751,000)
Increase in other liabilities	8,187,000	21,771,000	19,775,000
Net amortization on marketable securities	676,000	3,090,000	4,808,000
Noncash compensation expense related to stock benefit plans	6,081,000	4,576,000	4,074,000
Noncash write-down of real estate owned	6,697,000	100,000	54,000
Deferred income tax expense/(benefit)	2,803,000	(4,920,000)	(5,504,000)
Origination of loans held-for-sale	(268,179,000)	(198,637,000)	(362,867,000)
Proceeds from sale of loans held-for-sale	206,746,000	203,651,000	383,883,000
Net cash provided by operating activities	127,667,000	92,890,000	175,431,000
Investing activities:
Purchase of marketable securities held-to-maturity	0	0	(212,892,000)
Purchase of marketable securities available-for-sale	(437,503,000)	(23,502,000)	(102,178,000)
Proceeds from maturities and principal reductions of marketable securities held-to-maturity	63,470,000	65,588,000	98,701,000
Proceeds from maturities and principal reductions of marketable securities available-for-sale	83,950,000	103,424,000	231,728,000
Proceeds from sale of marketable securities available-for-sale	275,585,000	101,229,000	0
Proceeds from bank-owned life insurance	874,000	13,307,000	5,096,000
Proceeds from sale of mortgage servicing rights	0	13,118,000	0
Loan originations	(3,015,448,000)	(3,963,743,000)	(4,585,563,000)
Loan purchases	0	0	(371,121,000)
Proceeds from loan maturities and principal reductions	3,196,190,000	3,446,731,000	4,047,147,000
Net redemptions/(proceeds) of FHLB stock	9,140,000	9,997,000	(25,959,000)
Proceeds from sale of real estate owned	1,024,000	2,735,000	1,633,000
Proceeds from sale of real estate owned for investment, net	0	0	305,000
Purchases of premises and equipment, net	(2,308,000)	(8,564,000)	(4,320,000)
Net cash provided by/(used in) investing activities	174,974,000	(239,680,000)	(917,423,000)
Financing activities:
Net increase/(decrease) in deposits	164,651,000	515,354,000	(836,617,000)
Repayments of long-term borrowings	0	0	(10,094,000)
Net (decrease)/increase in short-term borrowings	(198,564,000)	(282,270,000)	542,073,000
(Decrease)/increase in advances by borrowers for taxes and insurance	(3,211,000)	(2,360,000)	3,031,000
Cash dividends paid on common stock	(101,854,000)	(101,669,000)	(101,468,000)
Proceeds from stock options exercised	2,455,000	630,000	5,173,000
Net cash (used in)/provided by financing activities	(136,523,000)	129,685,000	(397,902,000)
Net increase/(decrease) in cash and cash equivalents	166,118,000	(17,105,000)	(1,139,894,000)
Cash and cash equivalents at beginning of period	122,260,000	139,365,000	1,279,259,000
Cash and cash equivalents at end of period	288,378,000	122,260,000	139,365,000
Cash paid during the period for:
Interest on deposits and borrowings (including interest credited to deposit accounts of $170,754, $86,316, and $13,399, respectively)	240,352,000	141,801,000	26,690,000
Income taxes	27,790,000	47,996,000	39,365,000
Noncash activities:
Loan foreclosures and repossessions	4,027,000	4,055,000	4,076,000
Sale of real estate owned financed by the Company	$ 0	$ 70,000	$ 175,000

CONSOLIDATED STATEMENTS OF CA_2

CONSOLIDATED STATEMENTS OF CASH FLOWS (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Statement of Cash Flows [Abstract]
Interest on deposits and borrowings, interest credited to deposit accounts	$ 170,754	$ 86,316	$ 13,399

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Summary of Significant Accounting Policies	Summary of Significant Accounting Policies (a) Nature of Operations Northwest Bancshares, Inc., a Maryland corporation headquartered in Columbus, Ohio, is the b ank holding company for its wholly owned subsidiary, Northwest Bank. Northwest Bank, a Pennsylvania chartered savings bank, offers a complete line of business and personal banking products, as well as treasury management solutions and wealth management services through its 141 banking locations in Pennsylvania, New York, Ohio, and Indiana. We have determined that we have one reportable business segment. (b) Principles of Consolidation The Consolidated Financial Statements include the accounts of the Company and its wholly owned subsidiaries after elimination of all intercompany accounts and transactions. (c) Cash and Cash Equivalents For purposes of the statements of financial condition and cash flows, cash and cash equivalents include cash and amounts due from banks, interest-bearing deposits in other financial institutions, federal funds sold, and other short-term investments with original maturities of three months or less. (d) Marketable Securities We classify marketable securities at the time of purchase as held-to-maturity, available-for-sale, or trading. Securities for which management has the intent and ability to hold until maturity are classified as held-to-maturity and are carried at cost, adjusted for amortization of premiums and accretion of discounts on a level yield basis (amortized cost). If it is management’s intent at the time of purchase to hold securities for an indefinite period of time and/or to use such securities as part of its asset/liability management strategy, the securities are classified as available-for-sale and are carried at fair value, with unrealized gains and losses reported as accumulated other comprehensive income/(loss), a separate component of shareholders’ equity, net of tax. Securities classified as available-for-sale include securities that may be sold in response to changes in interest rates, resultant prepayment risk, or other market factors. Securities that are bought and held principally for the purpose of selling them in the near term are classified as trading and are reported at fair value, with changes in fair value included in earnings. The cost of securities sold is determined on a specific identification basis. We held no securities classified as trading at or during the years ended December 31, 2024 and 2023. Fair values are determined as described in Note 16. Throughout the year we validate the prices received from third parties by comparing them to prices provided by a different independent pricing service. We have reviewed the detailed valuation methodologies provided to us by our pricing services. On a quarterly basis, we measure expected credit losses on held-to-maturity debt securities on a collective basis by major security type and all of our held-to-maturity debt securities are residential mortgage-backed securities. Accrued interest receivable on held-to-maturity debt securities total ed $3 million at both December 31, 2024 and December 31, 2023, respectively, and is excluded from estimated credit losses. All of our r esidential mortgage-backed securities are issued by U.S. government entities and agencies. For available-for-sale debt securities in an unrealized loss position, on at least a quarterly basis, we review our investments for impairment. An investment security is deemed impaired if the fair value of the investment is less than its amortized cost. We consider both our intent to sell and the likelihood that we will not have to sell the investment securities before recovery of their amortized cost basis during our evaluation. If we intend to sell the investment security or if it is more likely than not that we will be required to sell the investment security, the entire impairment is recorded in earnings. For available-for-sale debt securities that do not meet this criteria, we evaluate whether the decline in fair value has resulted from credit losses or other factors. In making this assessment we consider the issuer of the securities and their creditworthiness, any changes to the rating of the security and any adverse conditions specifically related to the security, among other factors. Also, we may evaluate the business and financial outlook of the issuer, as well as broader economic performance indicators. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security is compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than amortized cost. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. Changes in the allowance for credit losses are recorded as provision for (or reversal of) credit loss expense. Losses are charged against the allowance when we believe the uncollectibility of an available-for-sale security is confirmed or when there is an intent or requirement to sell the security. Accrued interest receivable d $2 million at both December 31, 2024 and December 31, 2023, respectively , and is excluded from the estimate of credit losses. A debt security is placed on nonaccrual status at the time any principal or interest payments become 90 days past due. The receivable for interest income that is accrued but not collected is reversed against interest income when the debt security is placed on nonaccrual status. No debt securities were on nonaccrual status as of December 31, 2024 and December 31, 2023. (e) Loans Receivable Our portfolio segments are based on the class of financing receivable. Additionally, the class of financing receivables are based on several factors including the method for monitoring and assessing credit risk and the risk characteristics of the financing receivables. Based on evaluation of the nature of our financing receivables, along with the nature and extent of exposure to credit risk arising from these receivables, our portfolio segments were determined to be Personal Banking and Commercial Banking loans. • Personal Banking loans consist of the following classes of financing receivables: ◦ Residential mortgage loans - fixed and adjustable rate mortgage loans ◦ Home equity loans - first and second mortgage loans and home equity lines of credit ◦ Vehicle loans - direct and indirect automobile, motorcycle loans and recreational or power sport vehicles ◦ Consumer loans - unsecured lines of credit, credit card loans, and other consumer loans • Commercial Banking loans consist of the following classes of financing receivables: ◦ Commercial real estate - multi-family commercial real estate loans secured by multi-family residences, such as rental properties and loans secured by nonresidential properties such as hotels, commercial offices, medical buildings, manufacturing facilities and retail establishments, excluding owner-occupied loans, and including small business commercial real estate loans ◦ Commercial real estate - owner-occupied loans - commercial real estate loans secured by residential or non-residential properties ◦ Commercial loans - other commercial loans, including small business commercial loans and equipment finance loans Loans are reported at amortized cost. Amortized cost is the principal balance outstanding, net of any deferred purchase premiums an d discounts, deferred origination fees or costs and the allowance for credit losses. Accrued interest receivable totaled $40 million and $42 million at December 31, 2024 and December 31, 2023, respectively, and was reported in accrued interest receivable on the Consolidated Statements of Financial Condition. Accrued interest receivable is excluded from the amortized cost basis of loans and from the estimate of allowance for credit losses. Interest income on loans is credited to income as earned. Interest earned on loans for which no payments were received during the month is accrued at month end. Generally, accrued interest on loans more than 90 days delinquent is reversed and such loans are placed on nonaccrual status, except for credit card loans which are not placed in nonaccrual status based on delinquency. All loans are placed on nonaccrual status when principal or interest is 90 days or more delinquent or when there is reasonable doubt that interest or principal will not be collected in accordance with the contractual terms. Interest receipts on all nonaccrual loans are recognized as interest income when it has been determined that all principal and interest will be collected or are applied to principal when collectability of contractual principal is in doubt. Nonaccrual loans generally are restored to an accrual basis when principal and interest become current and a period of performance has been established in accordance with the contractual terms, typically six months. Occasionally, the Company modifies loans to borrowers in financial distress by providing principal forgiveness, term extensions, an other-than-insignificant payment delay, or interest rate reduction. When principal forgiveness is provided, the amount of forgiveness is charged off against the allowance for credit losses. Loan delinquency is measured based on the number of days since the payment due date. Past due status is measured using the loan’s contractual maturity date. Personal Banking loans are charged-off or charged down when they become 180 da ys delinquent, unless the borrower has filed for bankruptcy. Commercial Banking loans are charged-off or charged down when, in our opinion, they are no longer collectible or when it has been determined that the collateral value no longer supports the carrying value of the loan for loans that are collateral dependent. Loan fees and certain direct loan origination costs are deferred and the net deferred fee or cost is then recognized using the level-yield method over the contractual life of the loan as an adjustment to interest income. We identify certain residential mortgage loans, small business administration guaranteed loans and commercial loans which will be sold prior to maturity, as loans held-for-sale. These loans are recorded at fair value less estimated cost to sell. At December 31, 2024 and 2023, there were $76 million and $9 million of loans classified as held-for-sale, respectively. Acquired loans that are not considered purchased with credit deterioration (“PCD”) are initially measured at fair value with no carryover of the related allowance for credit losses. Determining the fair value of the loans involves estimating the amount and timing of principal and interest cash flows expected to be collected on the loans and discounting those cash flows at a market rate of interest. Acquired loans may be classified as PCD loans upon acquisition if they have experienced more than insignificant credit deterioration since origination. An allowance for credit losses on day 1 is determined using the same methodology as other loans held for investment. The initial allowance for credit losses determined on a collective basis is allocated to individual loans. The allowance is recognized on day 1 by adding it to the fair value of the loan, which is the “Day 1 amortized cost”. There is no credit loss expense recognized on PCD loans because the initial allowance is established by grossing-up the amortized cost of the PCD loan. The difference between the initial amortized cost basis and the par value of the loan is a noncredit discount or premium, which is amortized into interest income over the life of the loan. Subsequent changes to the allowance for credit losses are recorded through provision expense. (f) Allowance for Credit Losses and Provision for Credit Losses The allowance for credit losses is deducted from, or added to, the loan’s amortized cost basis to present the net amount expected to be collected on our lending portfolios. We estimate the allowance balance using relevant available information, from internal and external sources, relating to past events, current conditions and reasonable and supportable forecasts. Loans are charged off against the allowance when we believe that a loan balance is confirmed to be uncollectible. Expected recoveries do not exceed the aggregate of amounts previously charged-off and expected to be charged-off. Expected credit losses are estimated over the contractual term of the loans, adjusted for prepayments. The contractual term includes extension or renewal option included in the contract that are outside of our control and is not unconditionally cancellable by the Company. Credit card receivables do not have stated maturities. In determining the estimated life of a credit card receivable, we first estimate the future cash flows expected to be received and then apply those expected future cash flows to the credit card balance. The allowance for credit losses is measured on a collective (“pool”) basis when similar risk characteristics exist. For the purpose of calculating portfolio-level reserves, we have grouped our loans into seven segments: residential mortgage loans, home equity loans, vehicle loans, consumer loans, commercial real estate loans, commercial real estate owner-occupied and commercial loans. The allowance for credit losses is measured at the pool level utilizing loan-level inputs wherever possible. We use a twenty-four month forecasting period and revert to historical average loss rates thereafter. The reasonable and supportable forecast is based on a probability-weighted multiple macroeconomic forecast approach and obtained from a third party vendor. Reversion to the mean takes place over a twelve-month period. Our loss rate models utilize a linear reversion method. For our probability of default (“PD”)/loss given default (“LGD”) models we revert the PD utilizing exponential reversion, which is an accelerated method, and the LGD utilizing a linear reversion method. Historical average loss rates are calculated using historica l data beginning in 2009 through the current period. As part of the analysis as of December 31, 2024, we considered the most recent macroeconomic forecasts available. Mortgage and Home Equity Loans The allowance for credit losses within the mortgage and home equity loan pools is calculated using a non-discounted cash flow method through a PD, LGD, and prepayment model developed by an external third-party and adjusted for asset specific characteristics. These classes are further divided into smaller pools of loans with similar risk characteristics such as: lines versus loans, fixed versus variable, senior lien position versus junior lien position, among other things. For each pool, the models project default rates, prepayment rates, and severity rates. The models accept as inputs key risk drivers such as: current balance, original credit bureau score, original loan-to-value ratio, type of collateral, location of collateral, delinquency status, loan age, among other characteristics. They also utilize macroeconomic forecasts of home price indices, unemployment rates, gross domestic product, and others. Vehicle Loans The allowance for credit losses within the vehicle loan pool is calculated using a non-discounted cash flow model through a PD, LGD, and prepayment model developed by an external third-party and adjusted for asset specific risk characteristics. These classes are further divided into smaller pools of loans with similar risk characteristics such as: cars, trucks and powersport vehicles and recreational vehicles. Monthly probabilities of default and prepayments are estimated for each loan, along with estimates of exposure at default and loss given default. The model accepts as inputs key risk drivers such as loan, borrower, and collateral characteristics. It also uses macroeconomic forecasts of used car price indices, gross domestic product, unemployment rates and others. Consumer Loans The allowance for credit losses within the consumer loan portfolio is calculated at the portfolio-level using a non-discounted cash flow method through a suite of loss rate models developed internally with the assistance of an external third-party. This class of financing receivables is further divided into credit cards, unsecured lines of credit and other consumer loans. The allowance for credit losses for credit cards and unsecured lines of credit is calculated using two transition matrix models to project portfolio-level net charge-off rates. Both models use current balance and delinquency status as key risk drivers. These models are not natively sensitive to macroeconomic forecasts. The necessary adjustments to account for current and expected macroeconomic conditions is captured via our qualitative adjustment framework. For other consumer loans, a regression model is used to project portfolio-level net charge-off rates. This model uses borrower information and macroeconomic forecasts as key inputs. Commercial Real Estate Loans The commercial real estate loan class is further segmented into smaller pools of loans with similar risk characteristics, commercial real estate loans and small business commercial real estate loans. The allowance for credit losses for the commercial real estate loan portfolio is calculated at the pool level using a non-discounted cash flow method through a PD/LGD model developed by an external third-party. This model projects default and severity rates. The model accepts as inputs key risk drivers such as: current balance, original loan-to-value-ratio, type of collateral, location of collateral, delinquency status, loan age, obligor financial statement information, and expected prepayment rates, among other characteristics. It also utilizes macroeconomic forecasts of commercial real estate price indices, unemployment rates, gross domestic product and others. The allowance for credit losses for commercial real estate small business portfolio is calculated at a borrower-level with a PD/LGD model. Separate models were built by industry segment. Each model was built with a logistic regression model except for the U.S. Small Business Administration (SBA) and Agriculture sub-portfolios. For SBA, a portfolio-level fractional logit model was developed; the small Agriculture segment uses a simple long-run average loss rate. The LGD model is assumption-based and assigns varying LGDs by industry segment. The models ’ overall key inputs are borrower and collateral characteristics and macroeconomic forecasts including real GDP, unemployment, home price appreciation, and real disposable personal income. Commercial Loans and Commercial Real Estate - Owner Occupied Loans The commercial loan class is further segmented into smaller pools of loans with similar risk characteristics, commercial loans and commercial small business loans, including equipment finance loans. The allowance for credit losses for the commercial loan portfolio and the commercial real estate - owner occupied loan portfolio is calculated at the pool level using a non-discounted cash flow method through a PD/LGD model developed by an external third-party. The commercial loan portfolio and the commercial real estate owner occupied loan portfolio models project default and severity rates. The model accepts as inputs key risk drivers such as the obligor financial statement information, collateral type, the obligor’s primary industry, expected prepayment rates, among other characteristics. It also utilizes macroeconomic forecasts of unemployment rates, gross domestic product, corporate bond spreads, and others. The allowance for credit losses for commercial small business loans is calculated at a borrower-level with a PD/LGD model. Separate models were built by industry segment. Each model was built with a logistic regression model except for the U.S. Small Business Administration (SBA) and Agriculture sub-portfolios. For SBA, a portfolio-level fractional logit model was developed; the small Agriculture segment uses a simple long-run average loss rate. The LGD model is assumption-based and assigns varying LGDs by industry segment. The models ’ overall key inputs are borrower and collateral characteristics and macroeconomic forecasts including real GDP, unemployment, home price appreciation, and real disposable personal income. Loans that do not share risk characteristics are evaluated on an individual basis. Loans evaluated individually are not also included in the collective evaluation. When we determine that foreclosure is probable or when the borrower is experiencing financial difficulty at the reporting date and repayment is expected to be provided substantially through the operation or sale of the collateral, expected credit losses are based on the fair value of the collateral at the reporting date, adjusted for selling costs. If this criteria is not met, a discounted cash flow method is used to determine the allowance for credit losses. All changes in the discounted cash flow method over time are reported in the allowance for credit losses. The allowance calculation is also supplemented with qualitative reserves that takes into consideration the current portfolio and specific risk characteristics, such as changes in underwriting standards, portfolio mix, delinquency level, or term, as well as changes in environmental conditions, among other factors, that have occurred but are not yet reflected in the quantitative model component. The modifications to borrowers experiencing financial distress are included in their respective portfolio segment and the current loan balance and updated loan terms are run through their respective allowance models to arrive at the quantitative portion of the allowance for credit losses. Subsequent performance of the loans will be measured by delinquency status and will be captured through our models or our qualitative factor assessment, as deemed appropriate. If we no longer believe the loan demonstrates similar risks to their respective portfolio segment, an individual assessment will be performed. Upon the Company’s determination that a modified loan (or portion of a loan) has subsequently been deemed uncollectible, the loan (or a portion of the loan) is written off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amount. For off-balance-sheet credit exposures, we estimate expected credit losses over the contractual period in which we are exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable. The liability for credit losses on off-balance-sheet credit exposures is adjusted through a provision for credit loss - unfunded commitments expense on the Consolidated Statements of Income. We estimate the liability balance using relevant available information, from internal and external sources, relating to past events, current conditions and reasonable and supportable forecasts. The estimate includes a consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over its estimated life. Off-balance-sheet exposures that are not unconditionally cancellable have been identified for the mortgage, home equity, commercial real estate, and commercial loan portfolios. (g) Real Estate Owned Real estate owned is comprised of property either acquired through foreclosure or voluntarily conveyed by borrowers. These assets are recorded on the date acquired at the lower of the loan balance or fair value of the collateral, less estimated disposition costs, with the fair value being determined by an appraisal. Any initial write-down is charged to the allowance for credit losses. Subsequently, foreclosed assets are valued at the lower of the amount recorded at acquisition date or the current fair value, less estimated disposition costs. Any subsequent write-down or gains or losses realized from the disposition of such property are credited or charged to noninterest income. (h) Restricted Investment in FHLB Stock Federal law requires a member institution of the FHLB system to hold stock of its district FHLB according to a predetermined formula. FHLB stock is carried at cost and evaluated for impairment based on the ultimate recoverability of the par value. FHLB stock can only be purchased, redeemed and transferred at par value. Dividends are reported in interest income in the Consolidated Statements of Income. (i) Premises and Equipment Premises and equipment are carried at cost, less accumulated depreciation and amortization. Depreciation is accumulated on a straight-line basis over the estimated useful lives of the related assets. Estimated lives range from three . Amortization of leasehold improvements is accumulated on a straight-line basis over the terms of the related leases or the useful lives of the related assets, whichever is shorter. (j) Goodwill Goodwill is generated from the premium paid for an acquisition and is allocated to reporting units, which are either our reportable segments or one level below. Reporting units are identified based upon analyzing each individual operating segment. A reporting unit is defined as a distinct, separately identifiable component of an operating segment for which complete, discrete financial information is available that management regularly reviews. Goodwill is not subject to amortization but is tested for impairment at least annually and possibly more frequently if certain events occur or changes in circumstances arise. In testing goodwill for impairment, we have the option to first assess qualitative factors to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying value. If, after assessing all events and circumstances, we determine it is not more likely than not that the fair value of a reporting unit is less than its carrying value, then performing the two-step impairment test would be unnecessary. However, if we conclude otherwise, it would then be required to perform the first step of the goodwill impairment test and continue to the second step, if necessary. Step 1 requires the fair value of each reporting unit be compared to its carrying amount, including goodwill. Determining the fair value of a reporting unit requires a high degree of subjective judgment, including developing cash flow projections, selecting appropriate discount rates, identifying relevant market comparables, incorporating general economic and market conditions and selecting an appropriate control premium. We have established June 30 of each year as the date for conducting our annual goodwill impairment assessment. Quarterly, we evaluate if there are any triggering events that would require an update to our previous assessment. We conducted our annual impairment assessment as o f June 30, 2024 b y first performing a qualitative assessment of goodwill to determine if it was more likely than not that the fair value was less than the carrying value. In performing a qualitative analysis, factors considered include, but are not limited to, macroeconomic conditions, industry and market conditions and overall financial performance. The results of the qualitative assessme nt for 2024 i ndicated that it was not more likely than not that the fair value of the reporting unit was less than the carrying value. Consequently, no additional quantitative impairment test was required and no impairment was recorded in 2024. Future events could cause us to conclude that goodwill has become impaired, which would result in recording an impairment loss. There were no events or changes in circumstance in our operations that would cause us to update the assessment performed as of June 30, 2024 and 2023. Accordingly, we have determined that goodwill is not impaired as of December 31, 2024 and 2023. (k) Core Deposit and Other Identifiable Intangibles Through the assistance of an independent third party, we analyze and prepare a core deposit study for all bank acquisitions or other identifiable intangible asset study, such as customer lists, for all non-bank acquisitions. The core deposit study reflects the cumulative present value benefit of acquiring deposits versus an alternative source of funding. The other identifiable intangible asset study reflects the cumulative present value benefit of acquiring the income stream from an existing customer base versus developing new business relationships. Based upon analysis, the amount of the premium related to the core deposits or other identifiable intangibles of the business purchased is calculated along with the estimated life of the intangible. The intangible, which is recorded in other intangible assets, is then amortized to expense on an accelerated basis over an approximate life of typically betwe en seven (l) Bank-Owned Life Insurance We own insurance on the lives of a certain group of current and former employees and directors. The policies were purchased to help offset the increase in the costs of various benefit plans, including healthcare, as well as the directors deferred compensation plan. The cash surrender value of these policies is included as an asset on the Consolidated Statements of Financial Condition and any increases in the cash surrender value are recorded as tax-free noninterest income on the Consolidated Statements of Income. In the event of the death of an insured individual covered by these policies, after distribution to the insured’s beneficiaries, if any, we receive a tax-free death benefit, which is recorded as noninterest income. (m) Deposits Interest on deposits is accrued and charged to expense monthly and is paid or credited in accordance with the terms of the accounts. (n) Revenue Recognition Revenue that is not associated with our financial assets and financial liabilities is recognized when performance obligations under the terms of a contract with our customers are satisfied. Revenue is measured as the amount of consideration we expect to receive in exchange for transferring goods or providing services. The majority of our revenue continues to be recognized at the point in time when the services are provided to our customers. (o) Pension Plans We maintain multiple noncontributory defined benefit pension plans (“Pension Plan”) for certain of our employees. The net periodic pension cost has been calculated using service cost, interest cost, expected returns on plan assets and net amortization. The other components of the net periodic benefit cost are included in other expense on the Consolidated Statement of Income and are reported separately from the service costs. Pension expense and obligations depend on assumptions used in calculating such amounts. These assumptions include discount rates, anticipated salary increases, interest costs, expected return on plan assets, mortality rates, and other factors. In determining the projected benefit obligations for pension benefits at December 31, 2024 and 2023, we u sed a discount rate of 5.44% and 4.79%, respectively. We use the FTSE (previously Citigroup) Pension Liability Index rates matching the duration of our benefit payments as of the measurement date, December 31, to determine the discount rate. (p) Income Taxes We join with our wholly owned subsidiaries in filing a consolidated federal income tax return. In accordance with an intercompany tax allocation agreement, the applicable federal income tax expense or benefit is allocated to each subsidiary based upon taxable income or loss calculated on a separate company basis. Each subsidiary is responsible for payment of its own federal income tax liability or receives reimbursement of federal income tax benefit. In addition, deferred taxes are calculated and maintained on a separate company basis. We account for income taxes under the asset and liability method. The objective of the asset and liability method is to establish deferred tax assets and liabilities for temporary differences between the financial reporting and tax basis of our assets and liabilities based on the tax rates expected to be in effect when such amounts are realized or settled. The effect on deferred tax assets and liabilities with regard to a change in tax rates is recognized in the tax provision in the period the change is enacted. If current available information raises doubt as to the realization of the deferred tax assets, a

Recently Adopted Accounting Sta

Recently Adopted Accounting Standards	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Recently Adopted Accounting Standards	Recently Adopted Accounting Standards In March 2023, the Financial Accounting Standards Board (“FASB ” ) issued Accounting Standards Update (“ASU ” ) No. 2023-02, “Investments—Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method. ” This ASU allows reporting entities to elect to account for qualifying tax equity investments using the proportional amortization method, regardless of the program giving rise to the related income tax credits. Entities must make an accounting policy election to apply the proportional amortization method on a tax credit-program-by-tax-credit-program basis. The ASU’s amendments also remove the specialized guidance for low-income-housing tax credit (“LIHTC ” ) investments that are not accounted for using the proportional amortization method and instead require that those LIHTC investments be accounted for using the guidance in other accounting standards. This guidance is effective for fiscal years beginning after December 15, 2023, with early adoption permitted. This ASU is applied on a modified retrospective or retrospective basis with the amendments to remove the specialized guidance for LIHTCs also being able to be applied on a prospective basis. This guidance was adopted on January 1, 2024 and did not have a material impact to the Company’s financial statements. In November 2023, the FASB issued ASU 2023-07, “Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures ”

Leases

Leases	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Leases	Leases Lease expense for these leases is recognized on a straight-line basis over the lease term, with variable lease payments recognized in the period those payments are incurred. The components of lease cost recognized within our Consolidated Statements of Income were as follows: For the years ended December 31, 2024 2023 2022 Operating lease costs (office operations) $ 6,902 6,529 6,201 Variable lease costs (office operations) 716 863 677 Total operating lease costs $ 7,618 7,392 6,878 Amounts reported in the Consolidated Statements of Financial Condition were as follows: For the years ended December 31, 2024 2023 Operating leases: Operating lease ROU assets (other assets) $ 46,204 61,727 Operating lease liabilities (other liabilities) 49,973 64,723 Other information related to leases were as follows: For the years ended December 31, 2024 2023 Supplemental cash flow information Cash paid for amounts included in the measurement of lease liabilities: Operating cash flow from operating leases $ 6,182 5,941 ROU assets obtained in exchange for lease obligations 1,002 13,736 Weighted average remaining lease term 12.9 years 16.6 years Weighted average discount rate 4.6 % 4.2 % Amounts disclosed for ROU assets obtained in exchange for lease obligations include amounts added to the carrying amount of ROU assets resulting from lease modifications and reassessments. Maturities of lease liabilities by fiscal year for our operating leases are as follows: As of December 31, 2024 2025 $ 5,514 2026 5,458 2027 5,234 2028 5,143 2029 4,554 Thereafter 42,703 Total lease payments 68,606 Less amount of lease payments representing interest 18,633 Total present value of lease payments $ 49,973 Rental expense for the years ended December 31, 2024, 2023 and 2022 was $8 million , $7 million and $7 million, respectively.

Marketable Securities

Marketable Securities	12 Months Ended
	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Marketable Securities	Marketable Securities Marketable securities available-for-sale at December 31, 2024 are as follows: Amortized cost Gross unrealized Gross unrealized Fair value Debt issued by the U.S. government and agencies: Due after ten years $ 45,289 — (9,898) 35,391 Debt issued by government-sponsored enterprises: Due after one year through five years 122 — (4) 118 Municipal securities: Due after one year through five years 888 10 (2) 896 Due after five years through ten years 16,662 4 (1,756) 14,910 Due after ten years 51,257 4 (8,440) 42,821 Corporate debt issues: Due after one year through five years 5,485 — (78) 5,407 Due after five years through ten years 19,944 815 (65) 20,694 Residential mortgage-backed securities: Fixed rate pass-through 237,892 106 (17,581) 220,417 Variable rate pass-through 3,738 54 (3) 3,789 Fixed rate agency CMOs 852,648 174 (132,989) 719,833 Variable rate agency CMOs 44,740 30 (102) 44,668 Total residential mortgage-backed securities 1,139,018 364 (150,675) 988,707 Total marketable securities available-for-sale $ 1,278,665 1,197 (170,918) 1,108,944 Marketable securities held-to-maturity at December 31, 2024 are as follows: Amortized cost Gross unrealized Gross unrealized Fair value Debt issued by government-sponsored enterprises: Due after one year through five years $ 124,462 — (14,464) 109,998 Residential mortgage-backed securities: Fixed rate pass-through 132,816 — (20,181) 112,635 Variable rate pass-through 364 1 — 365 Fixed rate agency CMOs 492,415 — (77,989) 414,426 Variable rate agency CMOs 529 — (5) 524 Total residential mortgage-backed securities 626,124 1 (98,175) 527,950 Total marketable securities held-to-maturity $ 750,586 1 (112,639) 637,948 Marketable securities available-for-sale at December 31, 2023 are as follows: Amortized cost Gross unrealized Gross unrealized Fair value Debt issued by the U.S. government and agencies: Due after one year through five years $ 20,000 — (1,135) 18,865 Due after ten years 49,383 — (9,934) 39,449 Debt issued by government-sponsored enterprises: Due after one year through five years 45,986 — (5,763) 40,223 Due after five years through ten years 386 — (12) 374 Municipal securities: Due after one year through five years 4,279 22 (427) 3,874 Due after five years through ten years 20,725 — (1,437) 19,288 Due after ten years 60,762 125 (8,580) 52,307 Corporate debt issues: Due after five years through ten years 8,466 — (778) 7,688 Residential mortgage-backed securities: Fixed rate pass-through 209,069 27 (25,222) 183,874 Variable rate pass-through 7,140 11 (71) 7,080 Fixed rate agency CMOs 789,842 — (143,055) 646,787 Variable rate agency CMOs 23,965 38 (453) 23,550 Total residential mortgage-backed securities 1,030,016 76 (168,801) 861,291 Total marketable securities available-for-sale $ 1,240,003 223 (196,867) 1,043,359 Marketable securities held-to-maturity at December 31, 2023 are as follows: Amortized cost Gross unrealized Gross unrealized Fair value Debt issued by the U.S. government and agencies: Due after one year through five years $ 69,471 — (8,100) 61,371 Due after five years through ten years 54,987 — (8,700) 46,287 Residential mortgage-backed securities: Fixed rate pass-through 147,874 — (20,834) 127,040 Variable rate pass-through 449 1 — 450 Fixed rate agency CMOs 541,529 — (77,694) 463,835 Variable rate agency CMOs 529 — (6) 523 Total residential mortgage-backed securities 690,381 1 (98,534) 591,848 Total marketable securities held-to-maturity $ 814,839 1 (115,334) 699,506 The following table shows the contractual maturity of our residential mortgage-backed securities available-for-sale at December 31, 2024: Amortized cost Fair value Residential mortgage-backed securities: Due within one year $ 88 89 Due after one year through five years 10,495 10,419 Due after five years through ten years 8,508 7,591 Due after ten years 1,119,927 970,608 Total residential mortgage-backed securities $ 1,139,018 988,707 The following table shows the contractual maturity of our residential mortgage-backed securities held-to-maturity at December 31, 2024: Amortized cost Fair value Residential mortgage-backed securities: Due within one year $ 24 24 Due after one year through five years 19,957 18,020 Due after five years through ten years 20,184 16,510 Due after ten years 585,959 493,396 Total residential mortgage-backed securities $ 626,124 527,950 The following table presents information regarding the issuers and the carrying values of our residential mortgage-backed securities at December 31, 2024 and 2023: December 31, 2024 2023 Residential mortgage-backed securities: FNMA $ 443,354 568,160 GNMA 668,668 407,441 FHLMC 502,805 576,066 Other (including non-agency) 4 5 Total residential mortgage-backed securities $ 1,614,831 1,551,672 Marketable securities having a carrying value of $615 million at December 31, 2024 were pledged under collateral agreements. During the year ended December 31, 2024, we sold marketable securities classified as available-for-sale for $276 million, with gross realized losses of $39 million. During the year ended December 31, 2023, we sold marketable securities classified as available-for-sale for $101 million, with gross realized gains of $9,000 and gross realized losses of $8 million. During the year ended December 31, 2022, there were no sales of marketable securities classified as available-for-sale. During the years ended December 31, 2024, 2023, and 2022, we did not recognize an allowance for credit losses in our investment portfolio. The following table shows the fair value and gross unrealized losses on available for sale investment securities and held to maturity investment securities, for which an allowance for credit losses has not been recorded, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position at December 31, 2024: Less than 12 months 12 months or more Total Fair value Unrealized Fair value Unrealized Fair value Unrealized U.S. government-sponsored enterprises $ — — 145,507 (24,366) 145,507 (24,366) Corporate debt issues — — 8,335 (143) 8,335 (143) Municipal securities 15,407 (186) 39,296 (10,012) 54,703 (10,198) Residential mortgage-backed securities - agency 297,828 (3,578) 1,117,280 (245,272) 1,415,108 (248,850) Total temporarily impaired securities $ 313,235 (3,764) 1,310,418 (279,793) 1,623,653 (283,557) The following table shows the fair value and gross unrealized losses on available for sale investment securities and held to maturity investment securities, for which an allowance for credit losses has not been recorded, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position at December 31, 2023: Less than 12 months 12 months or more Total Fair value Unrealized Fair value Unrealized Fair value Unrealized U.S. government-sponsored enterprises $ — — 206,569 (33,644) 206,569 (33,644) Corporate debt issues — — 7,688 (778) 7,688 (778) Municipal securities 2,753 (81) 66,046 (10,363) 68,799 (10,444) Residential mortgage-backed securities - agency 17,976 (242) 1,423,707 (267,093) 1,441,683 (267,335) Total temporarily impaired securities $ 20,729 (323) 1,704,010 (311,878) 1,724,739 (312,201) The Company does not believe that the available-for-sale debt securities that were in an unrealized loss position as of December 31, 2024, which were comprised of 288 individual securities, represents a credit loss impairment. All of these securities were issued by U.S. government agencies, U.S. government-sponsored enterprises, local municipalities, or represent corporate debt. The securities issued by the U.S. government agencies or U.S. government-sponsored enterprises are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major rating agencies and have a long history of no credit losses. The corporate debt issues and securities issued by local municipalities were all highly rated by major rating agencies and have no history of credit losses. The unrealized losses were primarily attributable to changes in the interest rate environment and not due to the credit quality of these investment securities. The Company does not have the intent to sell these investment securities and it is likely that we will not be required to sell these securities before their anticipated recovery, which may be at maturity. All of the Company ’ s held-to-maturity debt securities are issued by U.S. government-sponsored agencies or U.S. government-sponsored enterprises. These securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major rating agencies and have a long history of no credit losses. The decline in fair value of the held-to-maturity debt securities were primarily attributable to changes in the interest rate environment and not due to the credit quality of these investment securities, therefore, the Company did not record an allowance for credit losses for these securities as of December 31, 2024. The following table presents the credit quality for our held-to-maturity securities, based on the latest information available as of December 31, 2024 (in thousands). The credit ratings are sourced from nationally recognized rating agencies, which include Moody ’ s and S&P, they are presented based on asset type. All of our held-to-maturity securities were current in their payment of principal and interest as of December 31, 2024. AA+ Total Held-to-maturity securities: Debt issued by the U.S. government-sponsored agencies $ 124,462 124,462 Residential mortgage-backed securities 626,124 626,124 Total marketable securities held-to-maturity $ 750,586 750,586

Loans Receivable

Loans Receivable	12 Months Ended
	Dec. 31, 2024
Receivables [Abstract]
Loans Receivable	Loans Receivable The following tables excludes loans held for sale. The following table shows a summary of our loans receivable at amortized cost basis at December 31, 2024 and December 31, 2023 (in thousands): December 31, 2024 December 31, 2023 Originated (1) Acquired (2) Total Originated (1) Acquired (2) Total Personal Banking: Residential mortgage loans $ 3,157,895 20,374 3,178,269 $ 3,274,531 144,886 3,419,417 Home equity loans 1,051,950 97,446 1,149,396 1,103,410 124,448 1,227,858 Vehicle loans 1,823,780 47,063 1,870,843 1,943,540 65,061 2,008,601 Consumer loans 96,906 27,336 124,242 111,446 5,980 117,426 Total Personal Banking 6,130,531 192,219 6,322,750 6,432,927 340,375 6,773,302 Commercial Banking: Commercial real estate loans 2,311,562 184,164 2,495,726 2,389,537 238,920 2,628,457 Commercial real estate loans - owner occupied 229,448 124,688 354,136 319,195 26,358 345,553 Commercial loans 2,002,625 4,777 2,007,402 1,623,481 35,248 1,658,729 Total Commercial Banking 4,543,635 313,629 4,857,264 4,332,213 300,526 4,632,739 Total loans receivable, gross 10,674,166 505,848 11,180,014 10,765,140 640,901 11,406,041 Allowance for credit losses (112,427) (4,392) (116,819) (118,079) (7,164) (125,243) Total loans receivable, net (3) $ 10,561,739 501,456 11,063,195 $ 10,647,061 633,737 11,280,798 (1) Includes originated and purchased loan pools purchased in an asset acquisition. (2) Includes loans subject to purchase accounting in a business combination. (3) Includes $60 million and $68 million of net unearned income, unamortized premiums and discounts and deferred fees and costs at December 31, 2024 and December 31, 2023, respectively. As of December 31, 2024 and 2023, we serviced loans for others approximating $244 million and $231 million, respectively. These loans serviced for others are not our assets and are not included in our financial statements. As of December 31, 2024 and 2023, approximately 36% and 38% of our loan portfolio was secured by properties located in Pennsylvania. We do not believe we have significant concentrations of credit risk to any one group of borrowers given our underwriting and collateral requirements. Loans receivable as of December 31, 2024 and 2023 include $4.3 billion and $4.0 billion, respectively, of adjustable rate loans and $6.9 billion and $7.3 billion, respectively, of fixed rate loans. The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the year ended December 31, 2024 (in thousands): Balance as of December 31, 2024 Current Charge-offs Recoveries Balance as of December 31, 2023 Allowance for Credit Losses Personal Banking: Residential mortgage loans $ 14,347 (4,473) (845) 1,472 18,193 Home equity loans 4,845 51 (1,736) 1,127 5,403 Vehicle loans 22,389 2,509 (8,809) 1,778 26,911 Consumer loans 1,883 5,022 (5,929) 1,591 1,199 Total Personal Banking 43,464 3,109 (17,319) 5,968 51,706 Commercial Banking: Commercial real estate loans 44,328 4,902 (15,321) 3,480 51,267 Commercial real estate loans - 3,882 69 — 38 3,775 Commercial loans 25,145 19,599 (14,462) 1,513 18,495 Total Commercial Banking 73,355 24,570 (29,783) 5,031 73,537 Total $ 116,819 27,679 (47,102) 10,999 125,243 Allowance for Credit Losses - Personal Banking: Residential mortgage loans $ — (2) — — 2 Home equity loans 62 (3) — — 65 Total Personal Banking 62 (5) — — 67 Commercial Banking: Commercial real estate loans 4,154 (1,993) — — 6,147 Commercial real estate loans - 160 (13) — — 173 Commercial loans 9,573 (1,163) — — 10,736 Total Commercial Banking 13,887 (3,169) — — 17,056 Total off-balance-sheet exposure $ 13,949 (3,174) — — 17,123 During the year ended December 31, 2024, we sold $24 million of loans that were classified as held-for-investment, for a loss of $5 million, which is reported in provision for credit losses in the Consolidated Statements of Income. The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the year ended December 31, 2023 (in thousands): Balance as of December 31, 2023 Current Charge-offs Recoveries ASU 2022-02 Adoption Balance as of December 31, 2022 Allowance for Credit Losses Personal Banking: Residential mortgage loans $ 18,193 (1,515) (1,189) 1,636 — 19,261 Home equity loans 5,403 (356) (852) 709 — 5,902 Vehicle loans 26,911 8,299 (6,468) 2,021 — 23,059 Consumer loans 1,199 5,311 (5,983) 1,206 — 665 Total Personal Banking 51,706 11,739 (14,492) 5,572 — 48,887 Commercial Banking: Commercial real estate loans 51,267 6,604 (2,298) 2,029 426 44,506 Commercial real estate loans - owner occupied 3,775 (227) (68) 66 — 4,004 Commercial loans 18,495 548 (4,166) 1,474 — 20,639 Total Commercial Banking 73,537 6,925 (6,532) 3,569 426 69,149 Total $ 125,243 18,664 (21,024) 9,141 426 118,036 Allowance for Credit Losses - Personal Banking: Residential mortgage loans $ 2 (2) — — — 4 Home equity loans 65 (9) — — — 74 Total Personal Banking 67 (11) — — — 78 Commercial Banking: Commercial real estate loans 6,147 772 — — — 5,375 Commercial real estate loans - owner occupied 173 (206) — — — 379 Commercial loans 10,736 3,655 — — — 7,081 Total Commercial Banking 17,056 4,221 — — — 12,835 Total off-balance-sheet exposure $ 17,123 4,210 — — — 12,913 During the year ended December 31, 2023, we sold $8.0 million of loans that were classified as held-for-investment, for a gain of $726,000, which is reported in gain on sale of loans on the Consolidated Statements of Income. The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the year ended December 31, 2022 (in thousands): Balance as of December 31, 2022 Current Charge-offs Recoveries Balance as of December 31, 2021 Allowance for Credit Losses Personal Banking: Residential mortgage loans $ 19,261 13,129 (2,033) 792 7,373 Home equity loans 5,902 540 (1,469) 1,531 5,300 Vehicle loans 23,059 8,863 (3,621) 2,334 15,483 Consumer loans 665 1,013 (4,785) 1,553 2,884 Total Personal Banking 48,887 23,545 (11,908) 6,210 31,040 Commercial Banking: Commercial real estate loans 44,506 (12,633) (7,366) 10,364 54,141 Commercial real estate loans - owner occupied 4,004 36 — 85 3,883 Commercial loans 20,639 6,912 (1,657) 2,207 13,177 Total Commercial Banking 69,149 (5,685) (9,023) 12,656 71,201 Total $ 118,036 17,860 (20,931) 18,866 102,241 Allowance for Credit Losses - Personal Banking: Residential mortgage loans $ 4 2 — — 2 Home equity loans 74 35 — — 39 Total Personal Banking 78 37 — — 41 Commercial Banking: Commercial real estate loans 5,375 4,494 — — 881 Commercial real estate loans - owner occupied 379 237 — — 142 Commercial loans 7,081 5,687 — — 1,394 Total Commercial Banking 12,835 10,418 — — 2,417 Total off-balance sheet exposure $ 12,913 10,455 — — 2,458 The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable at December 31, 2024 (in thousands): Total loans Allowance for Nonaccrual Loans 90 days past due and accruing Personal Banking: Residential mortgage loans $ 3,178,269 14,347 6,951 — Home equity loans 1,149,396 4,845 3,332 — Vehicle loans 1,870,843 22,389 4,829 — Consumer loans 124,242 1,883 199 578 Total Personal Banking 6,322,750 43,464 15,311 578 Commercial Banking: Commercial real estate loans 2,495,726 44,328 36,183 — Commercial real estate loans - owner occupied 354,136 3,882 784 — Commercial loans 2,007,402 25,145 9,123 78 Total Commercial Banking 4,857,264 73,355 46,090 78 Total $ 11,180,014 116,819 61,401 656 The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable at December 31, 2023 (in thousands): Total loans Allowance for Nonaccrual Loans 90 days past due and accruing Personal Banking: Residential mortgage loans $ 3,419,417 18,193 8,727 1,671 Home equity loans 1,227,858 5,403 4,492 26 Vehicle loans 2,008,601 26,911 4,816 44 Consumer loans 117,426 1,199 229 722 Total Personal Banking 6,773,302 51,706 18,264 2,463 Commercial Banking: Commercial real estate loans 2,628,457 51,267 71,297 225 Commercial real estate loans - owner occupied 345,553 3,775 676 — Commercial loans 1,658,729 18,495 4,147 10 Total Commercial Banking 4,632,739 73,537 76,120 235 Total $ 11,406,041 125,243 94,384 2,698 We present the amortized cost of our loans on nonaccrual status including such loans with no allowance. The following table presents the amortized cost of our loans on nonaccrual status as of the beginning and end of the year ended December 31, 2024 (in thousands): Nonaccrual December 31, 2024 Nonaccrual loans with an allowance Nonaccrual Total nonaccrual Loans 90 days Personal Banking: Residential mortgage loans $ 8,727 6,590 361 6,951 — Home equity loans 4,492 3,200 132 3,332 — Vehicle loans 4,816 3,958 871 4,829 — Consumer loans 229 198 1 199 578 Total Personal Banking 18,264 13,946 1,365 15,311 578 Commercial Banking: Commercial real estate loans 71,297 22,813 13,370 36,183 — Commercial real estate loans - owner occupied 676 784 — 784 — Commercial loans 4,147 7,471 1,652 9,123 78 Total Commercial Banking 76,120 31,068 15,022 46,090 78 Total $ 94,384 45,014 16,387 61,401 656 During the year ended December 31, 2024, we did not recognize any interest income on nonaccrual loans. The following table presents the amortized cost of our loans on nonaccrual status as of the beginning and end of the year ended December 31, 2023, (in thousands): Nonaccrual loans at January 1, 2023 December 31, 2023 Nonaccrual loans with an allowance Nonaccrual loans with no allowance Total nonaccrual Loans 90 days past and accruing Personal Banking: Residential mortgage loans $ 7,574 8,304 423 8,727 1,671 Home equity loans 4,145 4,084 408 4,492 26 Vehicle loans 3,771 4,187 629 4,816 44 Consumer loans 256 229 — 229 722 Total Personal Banking 15,746 16,804 1,460 18,264 2,463 Commercial Banking: Commercial real estate loans 62,239 47,359 23,938 71,297 225 Commercial real estate loans - owner occupied 624 676 — 676 — Commercial loans 2,627 3,996 151 4,147 10 Total Commercial Banking 65,490 52,031 24,089 76,120 235 Total $ 81,236 68,835 25,549 94,384 2,698 During the year ended December 31, 2023, we did not recognized any interest income on nonaccrual loans. A loan is considered to be collateral dependent when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the sale or operation of the collateral. The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2024 (in thousands): Real estate Equipment Other Total Commercial Banking: Commercial real estate loans $ 27,907 — 339 28,246 Commercial loans — 1,651 2,204 3,855 Total Commercial Banking 27,907 1,651 2,543 32,101 Total $ 27,907 1,651 2,543 32,101 The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2023 (in thousands): Real estate Total Commercial Banking: Commercial real estate loans $ 66,934 66,934 Commercial loans 150 150 Total Commercial Banking 67,084 67,084 Total $ 67,084 67,084 Occasionally, the Company modifies loans to borrowers in financial distress by providing principal forgiveness, term extensions, an other-than-insignificant payment delay, or interest rate reduction. When principal forgiveness is provided, the amount of forgiveness is charged off against the allowance for credit losses. In some cases, the Company provides multiple types of concessions to one loan. Typically, one type of concession, such as a term extension, is granted initially. If the borrower continues to experience financial difficulty, another concession, such as principal forgiveness, may be granted. For loans included in the “combination” columns below, multiple types of modifications have been made on the same loan within the current reporting period. The combination is at least two of the following: a term extension, principal forgiveness, an other-than-insignificant payment delay, and/or an interest rate reduction. The following table presents the amortized cost basis of loans for the periods indicated that were both experiencing financial difficulty and modified during the periods indicated, by class and by type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financial receivable is also presented below (dollars in thousands). For the year ended December 31, 2024 2023 Payment delay Term extension Interest rate reduction Combination term extension and interest rate reduction Total Payment delay Term extension Combination term extension and interest rate reduction Total Personal Banking: Residential mortgage loans $ 191 967 — — 0.04 % $ 363 499 — 0.03 % Home equity loans — 541 — 142 0.06 % — 403 84 0.04 % Consumer loans — — — 12 0.01 % — 3 — % Total Personal Banking 191 1,508 — 154 0.03 % 363 902 87 0.02 % Commercial Banking: Commercial real estate loans 268 191 — — 0.02 % — 71 — — % Commercial real estate loans - owner occupied — — 664 — 0.19 % — — % Commercial loans — 34 — 8 — % — 11 — — % Total Commercial Banking 268 225 664 8 0.02 % — 82 — — % Total $ 459 1,733 664 162 0.03 % $ 363 984 87 0.01 % The following table presents the effect of the loan modifications presented above to borrowers experiencing financial difficulty for the periods indicated : For the year ended December 31, 2024 2023 Weighted-average interest rate reduction Weighted-average term extension Payment deferral (months) Weighted-average interest rate reduction Weighted-average term extension Payment deferral (months) Personal Banking: Residential mortgage loans — 151 9 — % 142 6 Home equity loans 2 % 97 0 5 % 92 0 Consumer loans 6 % 66 0 12 % 356 0 Total Personal Banking 3 % 128 9 17 % 118 0 Commercial Banking: Commercial real estate loans — % 117 5 — % 57 0 Commercial real estate loans - owner occupied 2 % 0 0 — % 0 0 Commercial loans 4 % 31 0 — % 23 0 Total Commercial Banking 2 % 101 5 — % 52 0 Total loans 2 % 125 7 17 % 113 6 The Company closely monitors the performance of loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table presents the performance of loans that such loans have been modified within the previous twelve months of December 31, 2024 (in thousands): Current 30-59 days 60-89 days 90 days or Personal Banking: Residential mortgage loans $ 490 — 9 191 Home equity loans 152 120 — 16 Consumer loans 10 — — — Total Personal Banking 652 120 9 207 Commercial Banking: Commercial real estate loans 153 — — 268 Commercial real estate loans - owner occupied 664 — — — Commercial loans 43 — — — Total Commercial Banking 860 — — 268 Total loans $ 1,512 120 9 475 The Company closely monitors the performance of loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table presents the performance of loans that such loans have been modified since the adoption of ASU 2022-02 (in thousands): Current 30-59 days 60-89 days 90 days or Personal Banking: Residential mortgage loans $ 148 342 8 363 Home equity loans 465 23 — — Consumer loans 3 — — — Total Personal Banking 616 365 8 363 Commercial Banking: Commercial real estate loans 71 — — — Commercial loans 11 — — — Total Commercial Banking 82 — — — Total loans $ 698 365 8 363 A modification is considered to be in default when the loan is 90 days or m ore past due. The following table provides the amortized cost basis of financing receivables that had a payment default during the periods indicated and were modified within the previous twelve months to borrowers experiencing financial difficulty (in thousands): For the year ended December 31, 2024 2023 Term extension Combination term extension and interest rate reduction Payment delay Personal Banking: Residential mortgage loans $ — 191 363 Home equity loans 16 — — Total Personal Banking 16 191 363 Commercial Banking: Commercial real estate loans — 268 — Total Commercial Banking — 268 — Total $ 16 459 363 The modifications to borrowers experiencing financial distress are included in their respective portfolio segment and the current loan balance and updated loan terms are run through their respective allowance for credit losses (ACL) models to arrive at the quanti tative portion of the ACL. Subsequent performance of the loans will be measured by delinquency status and will be captured through our ACL models or our qualitative factor assessment, as deemed appropriate. If we no longer believe the loan demonstrates similar risks to their respective portfolio segment an individual assessment will be performed. Upon the Company’s determination that a modified loan (or portion of a loan) has subsequently been deemed uncollectible, the loan (or a portion of the loan) is written off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amount. The following table provides information related to the amortized cost basis of loan payment delinquencies at December 31, 2024 (in thousands): 30-59 days 60-89 days 90 days or Total Current Total loans 90 days or Personal Banking: Residential mortgage loans $ 28,690 10,112 4,931 43,733 3,134,536 3,178,269 — Home equity loans 5,365 1,434 2,250 9,049 1,140,347 1,149,396 — Vehicle loans 10,242 3,257 3,191 16,690 1,854,153 1,870,843 — Consumer loans 860 383 776 2,019 122,223 124,242 578 Total Personal Banking 45,157 15,186 11,148 71,491 6,251,259 6,322,750 578 Commercial Banking: Commercial real estate loans 5,100 857 7,702 13,659 2,482,067 2,495,726 — Commercial real estate loans - owner occupied 115 58 — 173 353,963 354,136 — Commercial loans 5,632 1,726 7,335 14,693 1,992,709 2,007,402 78 Total Commercial Banking 10,847 2,641 15,037 28,525 4,828,739 4,857,264 78 Total loans $ 56,004 17,827 26,185 100,016 11,079,998 11,180,014 656 The following table provides information related to the amortized cost basis loan payment delinquencies at December 31, 2023 (in thousands): 30-59 days 60-89 days 90 days or Total Current Total loans 90 days or Personal Banking: Residential mortgage loans $ 30,041 7,796 7,995 45,832 3,373,585 3,419,417 1,671 Home equity loans 5,761 982 3,126 9,869 1,217,989 1,227,858 26 Vehicle loans 10,382 3,326 3,051 16,759 1,991,842 2,008,601 44 Consumer loans 829 428 927 2,184 115,242 117,426 722 Total Personal Banking 47,013 12,532 15,099 74,644 6,698,658 6,773,302 2,463 Commercial Banking: Commercial real estate loans 2,010 1,031 6,535 9,576 2,618,881 2,628,457 225 Commercial real estate loans - owner occupied 1,194 — 177 1,371 344,182 345,553 — Commercial loans 4,196 703 2,780 7,679 1,651,050 1,658,729 10 Total Commercial Banking 7,400 1,734 9,492 18,626 4,614,113 4,632,739 235 Total loans $ 54,413 14,266 24,591 93,270 11,312,771 11,406,041 2,698 Credit Quality Indicators: For Commercial Banking loans we categorize loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. We analyze loans individually by classifying the loans by credit risk. Credit relationships greater than or equal to $1.0 million classified as special mention or substandard are reviewed quarterly for deterioration or improvement to determine if the loan is appropriately classified. We use the following definitions for risk ratings other than pass: Special Mention — Loans designated as special mention have specific, well-defined risk issues, which create a high level of uncertainty regarding the long-term viability of the business. Loans in this class are considered to have high-risk characteristics. A special mention loan exhibits material negative financial trends due to company-specific or systemic conditions. If these potential weaknesses are not mitigated, they threaten the borrower’s capacity to meet its debt obligations. Special mention loans still demonstrate sufficient financial flexibility to react to and positively address the root cause of the adverse financial trends without significant deviations from their current business strategy. Their potential weaknesses deserve our close attention and warrant enhanced monitoring. Substandard — Loans classified as substandard are inadequately protected by the current net worth and payment capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that we will sustain some loss if the deficiencies are not corrected. Doubtful — Loans classified as doubtful have all the weaknesses inherent in those classified as substandard. In addition, those weaknesses make collection or liquidation in full highly questionable and improbable. A loan classified as doubtful exhibits discernible loss potential, but a complete loss seems very unlikely. The possibility of a loss on a doubtful loan is high, but because of certain important and reasonably specific pending factors that may strengthen the loan, its classification as an estimated loss is deferred until a more exact status can be determined. Loss — Loans classified as loss are considered uncollectible and of such value that the continuance as a loan is not warranted. A loss classification does not mean that the loan has no recovery or salvage value; instead, it means that it is not practical or desirable to defer writing off all or a portion of a basically worthless loan even though partial recovery may be possible in the future. For Personal Banking loans a pass risk rating is maintained until they are greater than 90 days past due, and risk rating reclassification is based primarily on past due status of the loan. The risk rating categories can generally be described by the following groupings: Pass — Loans classified as pass are homogeneous loans that are less than 90 days past due from the required payment date at month-end. Substandard — Loans classified as substandard are homogeneous loans that are greater than 90 days past due from the required payment date at month-end or homogenous retail loans that are greater than 180 days past due from the requirement payment date at month-end that has been written down to the value of underlying collateral, less costs to sell. Doubtful — Loans classified as doubtful are homogeneous loans that are greater than 180 days past due from the required payment date at month-end and not written down to the value of underlying collateral. These loans are generally charged-off in the month in which the 180 day period elapses. The following table presents the amortized cost basis of our loan portfolio by year of origination and credit quality indicator and the current period charge-offs by year of origination for each portfolio segment as of December 31, 2024 (in thousands): 2024 2023 2022 2021 2020 Prior Revolving loans Revolving loans converted to term loans Total loans Personal Banking: Residential mortgage loans Pass $ 28,841 194,267 628,285 745,949 466,888 1,103,217 — — 3,167,447 Substandard — 51 1,107 464 321 8,879 — — 10,822 Total residential mortgage loans 28,841 194,318 629,392 746,413 467,209 1,112,096 — — 3,178,269 Residential mortgage current period charge-offs — — (387) — (114) (344) — — (845) Home equity loans Pass 33,534 58,234 85,308 88,226 124,046 234,918 476,013 45,577 1,145,856 Substandard — — 174 91 52 1,352 1,080 791 3,540 Total home equity loans 33,534 58,234 85,482 88,317 124,098 236,270 477,093 46,368 1,149,396 Home equity current period charge-offs — — (40) (2) (197) (558) (608) (331) (1,736) Vehicle loans Pass 616,515 452,912 443,997 228,309 64,332 59,950 — — 1,866,015 Substandard 272 1,472 1,342 1,129 223 390 — — 4,828 Total vehicle loans 616,787 454,384 445,339 229,438 64,555 60,340 — — 1,870,843 Vehicle current period charge-offs (454) (2,197) (2,626) (2,087) (414) (1,031) — — (8,809) Consumer loans Pass 27,363 14,779 6,330 2,707 735 5,914 65,055 581 123,464 Substandard 36 59 24 — 7 1 578 73 778 Total consumer loans 27,399 14,838 6,354 2,707 742 5,915 65,633 654 124,242 Consumer loan current period charge-offs (1,106) (2,015) (678) (285) (116) (1,044) (651) (34) (5,929) Total Personal Banking 706,561 721,774 1,166,567 1,066,875 656,604 1,414,621 542,726 47,022 6,322,750 Commercial Banking: Commercial real estate loans Pass 189,670 252,202 430,653 258,681 286,457 803,111 26,690 23,578 2,271,042 Special Mention — 4,877 19,030 18,533 14,383 5,654 237 — 62,714 Substandard — 2,273 11,137 48,539 19,356 80,417 175 73 161,970 Total commercial real estate loans 189,670 259,352 460,820 325,753 320,196 889,182 27,102 23,651 2,495,726 Commercial real estate current period (102) (686) (2,522) (360) (619) (11,032) — — (15,321) Commercial real estate loans - Pass 53,831 14,252 32,095 46,911 11,933 141,211 640 — 300,873 Special Mention — 1,166 2,231 93 — 5,165 1,232 — 9,887 Substandard — 12,572 5,733 — 2,956 18,695 751 2,669 43,376 Total commercial real estate loans - 53,831 27,990 40,059 47,004 14,889 165,071 2,623 2,669 354,136 Commercial real estate - owner occupied current period charge-offs — — — — — — — — — Commercial loans Pass 729,863 353,568 262,498 29,806 12,633 56,300 475,333 3,381 1,923,382 Special Mention — 3,914 3,898 627 479 7 28,127 11 37,063 Substandard 7,133 21,606 4,669 1,063 89 1,761 8,847 1,789 46,957 Total commercial loans 736,996 379,088 271,065 31,496 13,201 58,068 512,307 5,181 2,007,402 Commercial loans current period (1,456) (6,752) (4,301) (235) (522) (916) (212) (68) (14,462) Total Commercial Banking 980,497 666,430 771,944 404,253 348,286 1,112,321 542,032 31,501 4,857,264 Total loans $ 1,687,058 1,388,204 1,938,511 1,471,128 1,004,890 2,526,942 1,084,758 78,523 11,180,014 For the year ended December 31, 2024, $16 million of revolving loans were converted to term loans. The following table summarizes amortized cost basis loan balances by year of origination, class of loans, and risk category as of December 31, 2023 (in thousands): 2023 2022 2021 2020 2019 Prior Revolving loans Revolving loans converted to term loans Total loans receivable Personal Banking: Residential mortgage loans Pass $ 177,313 665,379 792,488 506,068 244,678 1,019,152 — — 3,405,078 Substandard — 1,581 — 1,252 311 11,195 — — 14,339 Total residential mortgage loans 177,313 666,960 792,488 507,320 244,989 1,030,347 — — 3,419,417 Residential mortgage current period charge-offs — (9) (5) (130) (23) (1,022) — — (1,189) Home equity loans Pass 71,497 100,639 106,043 146,121 94,144 197,259 463,868 43,526 1,223,097 Substandard — 236 54 197 35 1,733 1,447 1,059 4,761 Total home equity loans 71,497 100,875 106,097 146,318 94,179 198,992 465,315 44,585 1,227,858 Home equity current period charge-offs — (53) (46) — (48) (352) (144) (209) (852) Vehicle loans Pass 664,876 682,275 397,809 132,775 67,853 58,153 — — 2,003,741 Substandard 646 1,418 1,453 299 556 488 — — 4,860 Total vehicle loans 665,522 683,693 399,262 133,074 68,409 58,641 — — 2,008,601 Vehicle current period charge-offs (678) (1,844) (1,967) (475) (652) (852) — — (6,468) Consumer loans Pass 24,277 11,582 5,552 2,072 1,355 6,603 64,214 820 116,475 Substandard 55 43 19 6 6 46 726 50 951 Total consumer loans 24,332 11,625 5,571 2,078 1,361 6,649 64,940 870 117,426 Consumer loan current period charge-offs (3,412) (511) (390) (157) (177) (981) (317) (38) (5,983) Total Personal Banking 938,664 1,463,153 1,303,418 788,790 408,938 1,294,629 530,255 45,455 6,773,302 Commercial Banking: Commercial real estate loans Pass 223,335 470,762 303,873 332,620 228,382 745,244 27,583 24,804 2,356,603 Special Mention 2,819 24,735 27,871 5,365 4,053 38,665 711 — 104,219 Substandard 1,920 750 26,850 18,167 37,044 82,717 79 108 167,635 Total commercial real estate loans 228,074 496,247 358,594 356,152 269,479 866,626 28,373 24,912 2,628,457 Commercial real estate current period charge-offs (14) — (492) — (51) (1,741) — — (2,298) Commercial real estate loans - owner occupied Pass 24,725 51,986 47,655 15,984 28,614 140,175 2,378 2,390 313,907 Special Mention 1,221 120 1,218 — 14,386 2,952 — — 19,897 Substandard — — 118 1,666 4,646 4,641 — 678 11,749 Total commercial real estate loans - owner occupied 25,946 52,106 48,991 17,650 47,646 147,768 2,378 3,068 345,553 Commercial real estate - owner occupied current period charge-offs — — — — — (68) — — (68) Commercial loans Pass 482,605 430,378 73,469 26,868 34,090 54,617 531,742 4,110 1,637,879 Special Mention 508 3,671 52 299 240 26 1,882 — 6,678 Substandard — 3,015 872 356 2,361 840 4,729 1,999 14,172 Total commercial loans 483,113 437,064 74,393 27,523 36,691 55,483 538,353 6,109 1,658,729 Commercial loans current period (35) (2,072) (517) (430) (205) (845) (60) (2) (4,166) Total Commercial Banking 737,133 985,417 481,978 401,325 353,816 1,069,877 569,104 34,089 4,632,739 Total loans $ 1,675,797 2,448,570 1,785,396 1,190,115 762,754 2,364,506 1,099,359 79,544 11,406,041 For the year ended December 31, 2023, $18.9 million of revolving loans were converted to term loans. Our exposure to credit loss in the event of nonperformance by the other party to off-balance-sheet financial instruments is represented by the contract amount of the financial instrument. We use the same credit policies in making commitments for off- balance-sheet financial instruments as we do for on-balance-sheet instruments. Financial instruments with off-balance-sheet risk as of December 31, 2024 and 2023 are presented in the following table (in thousands): Years ended December 31, 2024 2023 Loans commitments $ 190,094 198,166 Undisbursed lines of credit 1,258,492 1,185,709 Standby letters of credit 57,923 46,900 Total $ 1,506,509 1,430,775 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. We evaluate each customer’s creditworthiness on a case-by-case basis. The amount of collateral we obtain upon extension of credit is based on management’s credit evaluation of the counterparty. Collateral held varies but generally may include cash, marketable securities, real estate and other property. Outstanding loan commitments at December 31, 2024 for fixed rate loans were $52 million. The interest rates on these commitments approximate market rates at December 31, 2024. Outstanding loan commitments at December 31, 2024 for adjustable rate loans were $139 million. The fair values of these commitments are affected by fluctuations in market rates of interest. We issue standby letters of credit in the normal course of business. Standby letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party. Standby letters of credit generally are contingent upon the failure of the customer to perform according to the terms of the underlying contract with the third party. We are required to perform under a standby letter of credit when drawn upon by the guaranteed third party in the case of nonperformance by our customer. The credit risk associated with standby letters of credit is essentially the same as that involved in extending loans to customers and is subject to normal credit policies. Collateral may be obtained based on management’s credit assessment of the customer. As of December 31, 2024, the maximum potential amount of future payments we could be required to make under these standby letters of credit is $58 million, of which $42 million is fully collateralized. A liability (which represents deferred income) of $1 million and $1 million has been recognized for the obligations as of December 31, 2024 and 2023, respectively, and there are no recourse provisions that would enable us to recover any amounts from third parties. In addition, we maintain a $20 million credit limit with a correspondent bank for private label credit card facilities for certain existing commercial clients of the Bank, of which $11 million of the credit limit was allocated to credit cards that have been issued. These issued credit cards had an outstanding balance of $2 million at December 31, 2024. The clients of the Bank are

Accrued Interest Receivable

Accrued Interest Receivable	12 Months Ended
	Dec. 31, 2024
Interest Receivable and Other Assets [Abstract]
Accrued Interest Receivable	Accrued Interest Receivable Accrued interest receivable as of December 31, 2024 and 2023 is presented in the following table: December 31, 2024 2023 Investment securities $ 1,796 1,795 FHLB dividends 392 637 Mortgage-backed securities 3,741 2,743 Loans receivable 40,427 42,178 Total $ 46,356 47,353

FHLB Stock

FHLB Stock	12 Months Ended
	Dec. 31, 2024
Federal Home Loan Banks [Abstract]
FHLB Stock	FHLB Stock Northwest Bank is a member of the FHLB of Pittsburgh and a former member of the FHLB of Indianapolis. As a member of the FHLB of Pittsburgh, we are required to maintain a minimum investment in capital stock of the FHLB of Pittsburgh based upon membership, level of borrowings, collateral balances or participation in other programs. As a former member of the FHLB of Indianapolis, we are required to maintain a minimum investment in the capital stock of the FHLB of Indianapolis based upon participation in certain past programs. Our investment in the capital stock of the FHLB of Pittsburgh at December 31, 2024 and December 31, 2023 was $18 million and $27 million, respectively. In addition, our investment in the capital stock of the FHLB of Indianapolis at December 31, 2024 and December 31, 2023 was $3 million. We received dividends on capital stock during the years ended December 31, 2024 and 2023 of $2 million and $3 million, respectively.

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2024
Property, Plant and Equipment [Abstract]
Premises and Equipment	Premises and Equipment Premises and equipment at December 31, 2024 and 2023 are summarized by major classification in the following table: December 31, 2024 2023 Land and land improvements $ 22,072 23,905 Office buildings and improvements 124,797 140,443 Furniture, fixtures and equipment 137,404 133,513 Leasehold improvements 26,984 23,547 Total, at cost 311,257 321,408 Less accumulated depreciation and amortization (187,011) (182,570) Premises and equipment, net $ 124,246 138,838

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	12 Months Ended
	Dec. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets The following table provides information for intangible assets subject to amortization for the years ended December 31, 2024 and 2023: December 31, 2024 2023 Amortizable intangible assets: Core deposit intangibles - gross $ 74,899 74,899 Less: accumulated amortization (72,062) (69,609) Core deposit intangibles - net $ 2,837 5,290 Total intangible assets - net $ 2,837 5,290 The following information shows the actual aggregate amortization expense for the years ended December 31, 2024, 2023 and 2022 as well as the estimated aggregate amortization expense, based upon current levels of intangible assets, for each of the five succeeding fiscal years: For the year ended December 31, 2022 $ 4,277 For the year ended December 31, 2023 3,270 For the year ended December 31, 2024 2,452 For the year ending December 31, 2025 1,662 For the year ending December 31, 2026 871 For the year ending December 31, 2027 304 The following table provides information for the changes in the carrying amount of goodwill: Total Balance at December 31, 2023 $ 380,997 Balance at December 31, 2024 $ 380,997 We performed our annual goodwill impairment test as of June 30, 2024, 2023, and 2022 in accordance with ASC 350, Intangibles— Goodwill and Other, and concluded that goodwill was not impaired. As of December 31, 2024, 2023 and 2022, there were no events or changes in circumstances that would cause us to update that year ’

Deposits

Deposits	12 Months Ended
	Dec. 31, 2024
Deposits [Abstract]
Deposits	Deposits Deposit balances at December 31, 2024 and 2023 are shown in the table below: December 31, 2024 2023 Noninterest-bearing demand deposits $ 2,621,415 2,669,023 Interest-bearing demand deposits 2,666,504 2,634,546 Money market deposit accounts 2,007,739 1,968,218 Savings deposits 2,171,251 2,105,234 Time deposits (1) 2,677,645 2,602,881 Total deposits $ 12,144,554 11,979,902 (1) Includes $201 million and $484 million of brokered deposits at December 31, 2024 and 2023. The aggregate amount of time deposits with a minimum denomination of $100,000 at December 31, 2024 and 2023 was $1.1 billion and $950 million, respectively. Generally, deposits in excess of $250,000 are not federally insured. At December 31, 2024 and 2023, we had $1.9 billion and $1.8 billion of deposits in accounts exceeding $250,000, respectively. The following table summarizes the contractual maturity of time deposits at December 31, 2024 and 2023: December 31, 2024 2023 Due within 12 months $ 2,547,129 2,464,022 Due between 12 and 24 months 86,594 70,679 Due between 24 and 36 months 23,133 27,550 Due between 36 and 48 months 11,592 23,590 Due between 48 and 60 months 7,395 13,997 After 60 months 1,802 3,043 Total time deposits $ 2,677,645 2,602,881 The following table summarizes the interest expense incurred on the respective deposits for the years ended December 31, 2024, 2023 and 2022: Years ended December 31, 2024 2023 2022 Interest-bearing demand deposits $ 27,394 11,606 1,517 Money market deposit accounts 34,563 24,734 3,381 Savings deposits 24,222 8,822 2,339 Time deposits (1) 119,313 60,181 6,883 Total interest expense on deposits $ 205,492 105,343 14,120 (1) Includes $18 million, $8 million, and $0 of interest expense on brokered deposits at December 31, 2024, 2023, and 2022.

Borrowed Funds

Borrowed Funds	12 Months Ended
	Dec. 31, 2024
Debt Disclosure [Abstract]
Borrowed Funds	Borrowed Funds (a) Borrowings Borrowed funds at December 31, 2024 and 2023 are presented in the following table: At December 31, 2024 2023 Amount Average rate Amount Average rate Term notes payable to the FHLB of Pittsburgh, due within one year $ 175,000 4.64 % $ 175,000 5.71 % Notes payable to the FHLB of Pittsburgh, due within one year — — % 163,500 5.70 % Collateralized borrowings, due within one year 22,323 1.73 % 35,495 1.72 % Collateral received, due within one year 3,008 4.65 % 24,900 5.26 % Total borrowed funds $ 200,331 $ 398,895 Borrowings from the Federal Home Loan Banks (“FHLB”) of Pittsburgh, if any, are secured by our residential first mortgage and other qualifying loans. At December 31, 2024, the carrying value of these loans was $5.7 billion. Certain of these borrowings are subject to restrictions or penalties in the event of prepayment. The revolving line of credit with the FHLB of Pittsburgh carries a commitment of $250 million. The rate is adjusted daily by the FHLB of Pittsburgh, and any borrowings on this line may be repaid at any time without penalty. At December 31, 2024 and December 31, 2023, the balance of the revolving line of credit was $0 million and $164 million, respectively. At December 31, 2024 and December 31, 2023, collateralized borrowings due within one year were $22 million and $35 million, respectively. These borrowings are collateralized by cash or various securities held in safekeeping by the FHLB. At December 31, 2024, the carrying value of the cash and securities used as collateral was $36 million. At December 31, 2024 and December 31, 2023, collateral received was $3 million and $25 million, respectively. This represents collateral posted to us from our derivative counterparties. At December 31, 2024 and December 31, 2023, term notes payable to the FHLB of Pittsburgh due within one year were $175 million. The December 31, 2024 total is made up of seven advance each for $25 million. On September 9, 2020, the Company issued $125 million of 4.00% fixed-to-floating rate subordinated notes with a maturity date of September 15, 2030. The subordinated notes, which qualify as Tier 2 capital, bear interest at an annual rate of 4.00%, payable semi-annually in arrears commencing on March 15, 2021, and a floating rate of interest equivalent to the 3-month Secured Overnight Financing Rate (“SOFR”) plus 3.89% payable quarterly in arrears commencing on December 15, 2025. During the year ended December 31, 2022, the Company repurchased $10 million of subordinated notes leaving $115 million of subordinated notes outstanding as of December 31, 2024. The subordinated debt issuance costs of approximately $2 million are being amortized over five years on a straight-line basis into interest expense. At December 31, 2024 and December 31, 2023, subordinated debentures, net of issuance costs, were $115 million and $114 million, respectively. For each of the years ended December 31, 2024, December 31, 2023, and December 31, 2022, total interest expense paid on the subordinate notes was $5 million. (b) Trust Preferred Securities The Company has seven statutory business trusts: Northwest Bancorp Capital Trust III, a Delaware statutory business trust, Northwest Bancorp Statutory Trust IV, a Connecticut statutory business trust, LNB Trust II, a Delaware statutory business trust, Union National Capital Trust I (“UNCT I”), a Delaware statutory business trust, Union National Capital Trust II (“UNCT II”), a Delaware statutory business trust, MFBC Statutory Trust I, a Delaware statutory trust, and Universal Preferred Trust, a Delaware statutory trust (the “Trusts”). The Trusts exist solely to issue preferred securities to third parties for cash, issue common securities to the Company in exchange for capitalization of the Trusts, invest the proceeds from the sale of trust securities in an equivalent amount of debentures of the Company, and engage in other activities that are incidental to those previously listed. The Trusts have invested the proceeds of the offerings in junior subordinated deferrable interest debentures issued by the Company. The structure of these debentures mirrors the structure of the trust-preferred securities. These subordinated debentures are the sole assets of the Trusts. As the shareholders of the trust preferred securities are the primary beneficiaries of the Trusts, the Trusts are not consolidated in our financial statements. The following table sets forth a summary of the cumulative trust preferred securities and the junior subordinated debt held by the Trust as of December 31, 2024 and 2023. Maturity date Interest rate Capital debt December 31, 2024 2023 Northwest Bancorp Capital Trust III December 30, 2035 3-month SOFR plus 1.38% $ 50,000 51,547 51,547 Northwest Bancorp Statutory Trust IV December 15, 2035 3-month SOFR plus 1.38% 50,000 51,547 51,547 LNB Trust II June 15, 2037 3-month SOFR plus 1.48% 7,875 8,119 8,119 Union National Capital Trust I (1) January 23, 2034 3-month SOFR plus 2.85% 8,000 8,024 7,999 Union National Capital Trust II (1) November 23, 2034 3-month SOFR plus 2.00% 3,000 2,823 2,796 MFBC Statutory Trust I (1) September 15, 2035 3-month SOFR plus 1.70% 5,000 3,891 3,788 Universal Preferred Trust (1) October 7, 2035 3-month SOFR plus 1.69% 5,000 3,883 3,778 $ 128,875 129,834 129,574 (1) Net of discounts due to the fair value adjustment made at the time of acquisition. Cash distributions on the trust securities are made on a quarterly basis to the extent interest on the debentures is received by the Trusts. We have the right to defer payment of interest on the subordinated debentures at any time, or from time-to-time, for periods not exceeding five years. If interest payments on the subordinated debentures are deferred, the distributions on the trust securities also are deferred. To date there have been no interest deferrals. Interest on the subordinated debentures and distributions on the trust securities is cumulative. Our obligation constitutes a full, irrevocable, and unconditional guarantee on a subordinated basis of the obligations of the trust under the preferred securities. For the years ended December 31, 2024, December 31, 2023, and December 31, 2022, total interest expense paid on the trust preferred securities was $10 million, $9 million, and $5 million respectively. The Trusts must redeem the preferred securities when the debentures are paid at maturity or upon an earlier redemption of the debentures to the extent the debentures are redeemed. All or part of the debentures may be redeemed at any time. Also, the debentures may be redeemed at any time if existing laws or regulations, or the interpretation or application of these laws or regulations, change causing: • the interest on the debentures to no longer be deductible by the Company for federal income tax purposes; • the trust to become subject to federal income tax or to certain other taxes or governmental charges; • the trust to register as an investment company; or • the preferred securities do not qualify as Tier I capital. We may, at any time, dissolve any of the Trusts and distribute the debentures to the trust security holders, subject to receipt of any required regulatory approvals.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes Total income tax was allocated for the years ended December 31, 2024, 2023 and 2022 as follows: Years ended December 31, 2024 2023 2022 Income tax expense $ 29,268 40,121 40,026 Shareholders’ equity for unrealized gain/(loss) on securities available-for-sale 6,513 3,429 (45,321) Shareholders’ equity for pension adjustment 6,304 3,354 6,980 Shareholders’ equity for swap fair value adjustment 448 (110) — Unallocated income tax $ 42,533 46,794 1,685 Income tax expense applicable to income before taxes consists of: Years ended December 31, 2024 2023 2022 Current tax provision/(benefit): Federal $ 20,022 36,599 36,235 State 6,443 8,442 9,295 Total current tax provision/(benefit) 26,465 45,041 45,530 Deferred tax provision/(benefit): Federal 2,315 (5,267) (5,325) State 488 347 (179) Total deferred tax provision/(benefit) 2,803 (4,920) (5,504) Total income tax expense $ 29,268 40,121 40,026 A reconciliation of the expected federal statutory income tax rate to the effective rate, expressed as a percentage of pretax income for the years ended December 31, 2024, 2023 and 2022, is as follows: Years ended December 31, 2024 2023 2022 Expected tax rate 21.0 % 21.0 % 21.0 % Tax-exempt interest income (1.8) % (1.2) % (1.1) % State income tax, net of federal benefit 4.3 % 4.0 % 4.0 % Bank-owned life insurance (1.0) % (1.0) % (0.9) % Stock-based compensation — % — % 0.1 % Dividends on stock plans (0.5) % (0.4) % (0.5) % Low income housing and historic tax credits — % — % (0.2) % Other 0.6 % 0.5 % 0.6 % Effective tax rate 22.6 % 22.9 % 23.0 % The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2024 and 2023 are presented below: December 31, 2024 2023 Deferred tax assets: Deferred compensation expense $ 3,761 5,001 Bad debts 26,497 28,483 Other reserves 3,909 4,511 Accrued post-retirement benefit cost 576 477 Stock benefit plans 1,950 1,134 Unrealized loss on the fair value of securities available-for-sale 39,473 45,985 Deferred income 579 35 Lease liability 11,253 14,593 Purchase accounting 816 698 Net operating loss 534 1,058 Other 1,470 2,431 Total deferred tax assets 90,818 104,406 Deferred tax liabilities: Pension expense 7,243 6,543 Intangible assets 18,858 18,041 Mortgage servicing rights 465 242 Fixed assets 3,891 5,567 Net deferred loan costs 2,213 2,412 Right of use asset 10,404 13,917 Pension and post-retirement benefits 6,890 587 Interest rate derivatives 396 134 Other 1,950 2,388 Total deferred tax liabilities 52,310 49,831 Net deferred tax asset $ 38,508 54,575 We have $0.2 million of federal net operating loss carryovers subject to the annual limitation under Internal Revenue Code Section 382 at December 31, 2024. The carryovers begin to expire in 2031 and are expected to be fully realized. We have $20 million of Indiana net operating loss carryovers subject to annual limitation as Indiana conforms to the Internal Revenue Code Section 382 at December 31, 2024. The carryovers begin to expire in 2025. Due to limitation, we do not currently expect to realize $8 million of the Indiana net operating loss carryover. This is netted against the net operating loss deferred tax asset in the preceding table. The holding company has net operating loss carryforwards with the state of Pennsylvania of $102 million as of December 31, 2024 and $85 million as of December 31, 2023. The company has recorded a full valuation allowance against these carryforward attributes of Northwest Bancshares Inc. as it is not expected to realize these losses given the profitability of Northwest Bancshares for Pennsylvania tax purposes. The valuation allowance is netted against the net operating loss in the preceding table. We recorded $0.2 million a valuation allowance against state deferred tax assets of a Northwest subsidiary since the subsidiary is not expected to utilize its deferred tax assets in the foreseeable future. This valuation allowance is netted against the net operating loss in the preceding table. Other than stated above, we have determined that no valuation allowance is necessary for the deferred tax assets because it is more likely than not that these assets will be realized through future reversals of existing temporary differences and through future taxable income. We will continue to review the criteria related to the recognition of deferred tax assets on a regular basis. We utilize a comprehensive approach to recognize, measure, present and disclose in our financial statements uncertain tax positions that the company has taken or expects to take on a tax return. We recognize interest accrued and penalties (if any) related to unrecognized tax benefits in income tax expense. The accrual for interest and penalties was not material for all years presented. The following table presents changes in unrecognized tax benefits at December 31, 2024, 2023 and 2022: Year ended December 31, 2024 2023 2022 Unrecognized tax benefits: Balance, beginning of year $ 1,080 473 241 Increases related to prior year tax positions 104 623 252 Decreases related to prior year tax positions (92) (74) (28) Increases related to current year tax positions 32 58 8 Balance, end of year $ 1,124 1,080 473 It is reasonably possible that over the next twelve months the amount of unrecognized tax benefits may change from the reevaluation of uncertain tax positions arising in examinations, in appeals, or in the courts, or from the closure of tax statutes. We do not expect any significant changes in unrecognized tax benefits during the next twelve months. We are subject to routine audits of our tax returns by the Internal Revenue Service as well as all states in which we conduct business. We are subject to audit by the Internal Revenue Service for the tax periods ended after December 31, 2020 and generally subject to audit by any state in which we conduct business for the tax periods ended after December 31, 2020.

Shareholders' Equity

Shareholders' Equity	12 Months Ended
	Dec. 31, 2024
Stockholders' Equity Note [Abstract]
Shareholders' Equity	Shareholders’ Equity Retained earnings are partially restricted in connection with regulations related to the insurance of deposit accounts, which requires Northwest to maintain certain statutory reserves. Northwest may not pay dividends on or repurchase any of its common stock if the effect thereof would reduce retained earnings below the level of adequate capitalization as defined by federal and state regulators. In tax years prior to fiscal 1997, Northwest was permitted, under the Internal Revenue Code (“IRC”), to deduct an annual addition to a reserve for bad debts in determining taxable income, subject to certain limitations. Bad debt deductions for income tax purposes are included in taxable income of later years only if the bad debt reserve is used subsequently for purposes other than to absorb bad debt losses. There was no required recapture of the pre-1988 reserves. The pre-1988 reserves would only be subject to recapture and income if there is a distribution in excess of earnings and profits or liquidation. Retained earnings at December 31, 2024 and 2023 include approximately $39 million representing such bad debt deductions for which no deferred income taxes have been provided.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2024
Earnings Per Share [Abstract]
Earnings Per Share	Earnings Per Share Basic earnings per common share (“EPS”) is computed by dividing net income available to common shareholders by the weighted average number of common shares outstanding for the period, without considering any dilutive items. Diluted EPS is calculated using both the two-class and the treasury stock methods with the more dilutive method used to determine diluted EPS. The two-class method was used to determine basic EPS and the treasury stock method was used to determine diluted earnings per share for the year ended December 31, 2024. The two-class method was used to determine basic and diluted EPS for the years ended December 31, 2023 and 2022 . The following table sets forth the computation of basic and diluted earnings per share for the years ended December 31, 2024, 2023 and 2022. Years ended December 31, 2024 2023 2022 Numerator for earnings per share - Basic and Diluted: Net income - treasury stock method - Basic and Diluted $ 100,278 134,957 133,666 Less: Dividends and undistributed earnings allocated to participating securities 125 339 585 Net income available to common shareholders - two class method - Basic and Diluted $ 100,153 134,618 133,081 Denominator for earnings per share - treasury stock method - Basic and Diluted Weighted average common shares outstanding - Basic 127,085,446 126,668,671 126,167,892 Add: Potentially dilutive shares 614,055 421,670 274,509 Denominator for treasury stock method - Diluted 127,699,501 127,090,341 126,442,401 Denominator for earnings per share - two class method - Basic and Diluted: Weighted average common shares outstanding - Basic 127,085,446 126,668,671 126,167,892 Add: Average participating shares outstanding 158,719 319,501 556,201 Denominator for two class method - Diluted 127,244,165 126,988,172 126,724,093 Basic earnings per share $ 0.79 1.06 1.05 Diluted earnings per share $ 0.79 1.06 1.05 Anti-dilutive awards (1) 2,128 2,814 1,951 (1) Reflects the total number of shares related to outstanding options that have been excluded from the computation of diluted earnings per share because the impact would have been anti-dilutive.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2024
Retirement Benefits [Abstract]
Employee Benefit Plans	Employee Benefit Plans (a) Pension Plans We maintain noncontributory defined benefit pension plans covering certain employees and members of our board of directors. Retirement benefits are based on certain compensation levels, age, and length of service. Contributions are based on an actuarially determined amount to fund not only benefits attributed to service to date but also for those expected to be earned in the future. In addition, we have an unfunded Supplemental Executive Retirement Plan (“SERP”) to compensate those executive participants eligible for the defined benefit pension plan whose benefits are limited by Section 415 of the IRC. We also sponsor a retirement savings plan in which substantially all employees participate. We provide a matching contribution of 100% of each employee’s contribution to a maximum of 4% of the employee’s compensation. Effective August 1, 2020, the Pension Plan was amended to include a soft freeze. The soft freeze will allow those employees in an eligible position that were hired, rehired, or acquired on or before July 31, 2020, to continue to vest and accrue additional benefits for each year they are credited with 1,000 hours or more. Employees that are hired, rehired, acquired, or transfer to an eligible job classification on or after August 1, 2020 are not eligible to participate in the Pension Plan. Total expense for the defined contribution retirement savings plan was $2 million, $4 million, and $4 million for the years ended December 31, 2024, 2023 and 2022, and net periodic pension expense for the defined benefit pension plan was a benefit of $3 million and $1 million for the years ended December 31, 2024 and 2023, respectively and a total cost of and $0.9 million for the year ended 2022. Components of net periodic pension cost and other amounts recognized in other comprehensive income: The following table sets forth components of net periodic pension cost and other amounts recognized in other comprehensive income for the years ended December 31, 2024, 2023 and 2022. Years ended December 31, 2024 2023 2022 Defined benefit pension plan: Service cost $ 5,701 6,241 10,396 Interest cost 8,821 9,009 6,683 Expected return on plan assets (15,102) (13,915) (15,454) Amortization of prior service cost (2,254) (2,254) (2,257) Amortization of the net loss 71 (219) 1,525 Net periodic pension cost, defined benefit pension plans (2,763) (1,138) 893 Other changes in defined benefit pension plan recognized in other comprehensive income: Net gain (25,118) (14,066) (28,222) Amortization of prior service cost 2,254 2,254 2,257 Total recognized in other comprehensive income (22,864) (11,812) (25,965) Total recognized in net periodic pension cost and other comprehensive income $ (25,627) (12,950) (25,072) The estimated net gain and prior service credit for the defined benefit pension plan that will be amortized from accumulated other comprehensive income into net periodic cost ending December 31, 2025 is $149,000 and $812,000, respectively. The following table sets forth information for the defined benefit pension plans’ funded status at December 31, 2024 and 2023: December 31, 2024 2023 Change in benefit obligation: Benefit obligation at beginning of year $ 185,196 184,759 Service cost 5,701 6,241 Interest cost 8,821 9,009 Actuarial gain (19,318) 935 Benefits paid (18,207) (15,748) Benefit obligation at end of year 162,193 185,196 Change in plan assets: Fair value of plan assets at beginning of year 216,596 202,791 Actual return on plan assets 20,832 29,135 Employer contributions 383 418 Benefits paid (18,207) (15,748) Fair value of plan assets at end of period 219,604 216,596 Funded status at end of year $ 57,411 31,400 The following table sets forth the assumptions used to develop the net periodic pension cost: Years ended December 31, 2024 2023 2022 Discount rate 4.79 % 4.99 % 2.75 % Expected long-term rate of return on assets 7.00 % 7.00 % 6.50 % Rate of increase in compensation levels 3.00 % 3.00 % 3.00 % The following table sets forth the assumptions used to determine benefit obligations at the end of each period: Years ended December 31, 2024 2023 2022 Discount rate 5.44 % 4.79 % 4.99 % Expected long-term rate of return on assets 5.50 % 7.00 % 6.50 % Rate of increase in compensation levels 3.00 % 3.00 % 3.00 % The expected long-term rate of return on assets is based on the expected return of each of the asset categories, weighted based on the median of the target allocation for each category. We use the FTSE (previously Citigroup) Pension Liability Index rates matching the duration of our benefit payments as of the measurement date to determine the discount rate. The accumulated benefit obligation for the funded defined benefit pension plan was $160 million, $183 million, and $182 million at December 31, 2024, 2023 and 2022, respectively. The accumulated benefit obligation for all unfunded defined benefit plans was $2 million, $2 million, and $3 million at December 31, 2024, 2023 and 2022, respectively. The following table sets forth certain information related to our pension plans: December 31, 2024 2023 Projected benefit obligation $ 162,193 185,196 Accumulated benefit obligation 162,193 185,196 Fair value of plan assets 219,604 216,596 Because of the current funding status, we do not anticipate a funding requirement during the year ending December 31, 2025. The investment policy as established by the Plan Administrative Committee, to be followed by the Trustee, is to invest assets based on the target allocations shown in the table below. To meet target allocation ranges set forth by the Plan Administrative Committee, periodically, the assets are reallocated by the Trustee. The investment policy is reviewed periodically to determine if the policy should be changed. Pension assets are conservatively invested with the goal of providing market or better returns with below market risks. Assets are invested in a balanced portfolio composed primarily of equities, fixed income, and cash or cash equivalent investments. The Trustee tries to maintain an approximate asset mix po sition of 50% to 80% bonds and 20% to 35% equities. A maximum of 10% may be invested in any one stock, including the stock of Northwest Bancshares, Inc. The objective of holding equity securities is to provide capital appreciation consistent with the ownership of the common stocks of medium to large companies. Acceptable bond investments are direct or agency obligations of the U.S. Government or investment grade corporate bonds. The average maturity of the bond portfolio shall not exceed ten years. The following table sets forth the weighted average asset allocation of defined benefit plans: December 31, Target allocation 2024 2023 Equity securities 20 – 35% 30 % 69 % Debt securities 50 – 80% 64 % 25 % Other 0 – 10% 6 % 6 % Total 100 % 100 % All of the assets held by the defined benefit pension plan are measured and recorded at estimated fair value on our balance sheet on a recurring basis as Level 1 assets, as defined by the fair value hierarchy defined in Note 16. The following table sets forth the pension plan assets as of December 31, 2024 and 2023. December 31, 2024 2023 Defined benefit pension assets: Common stock $ 17,320 71,192 Mutual funds 190,249 131,921 Money market funds 2,873 2,150 Other 9,162 11,333 Total defined benefit pension plan assets (1) $ 219,604 216,596 (1) The defined benefit pension plan statement of net assets also includes accrued interest and dividends resulting in net assets available for benefits of $220.0 million and $217 million, respectfully. The benefits expected to be paid in each year from 2025 to 2029 are $11.2 million, $11.4 million, $11.8 million, $12.4 million and $13.4 million, respectively. The aggregate benefits expected to be paid in the five years from 2030 to 2034 are $70.2 million. The expected benefits to be paid are based on the same assumptions used to measure our benefit obligations at December 31, 2024 and include estimated future employee service. (b) Stock-based Compensation Stock-based awards are eligible for issuance under the our Incentive Compensation Plans to executives, directors and key employees of the Northwest Bancshares and its subsidiaries. On May 18, 2022, shareholders approved the Northwest Bancshares, Inc. 2022 Equity Incentive Plan with up to 3,500,000 shares authorized for award. This plan provides for the granting of stock options, restricted stock awards ( “ RSAs ” ), restricted stock units ( “ RSUs ” ) and performance awards. At December 31,2024 1,079,102 shares were available for future grants. We issue shares to fulfill stock-based award vesting from available authorized common shares. At December 31,2024, we believe there are adequate authorized common shares to satisfy anticipated stock-based vesting for all grants outstanding. Stock-based compensation expense was $6 million, $4 million and $3 million and was included in compensation and employee benefits expense on the Consolidated Statements of Income during the years ended December 31, 2024, 2023 and 2022, respectively. The effect on net income for the years ended December 31, 2024, 2023 and 2022 was a reduction of $4 million, $3 million and $2 million, respectively. Restricted Stock Awards, Restricted Stock Units and Performance Share Units Restricted stock awards, Restricted Stock Units and Performance Share Units (“PSUs ” ) are all issued subject to service restrictions. PSUs are payable contingent on the achievement of certain predefined performance objectives over a three-year measurement period w ith the actual number of shares issuable ranging between 0% and 150% of the number of PSUs granted. RSAs accumulate dividends that are paid upon vesting. During the years ended December 31, 2022, December 31, 2023 and December 31, 2024, we granted the following awards (amounts in this table are not in thousands) : Year-ended Grant date Award to Shares Grant type Weighted average grant date fair value Total Vesting period (years) December 31, 2022 5/18/2022 Employees 150,027 RSU $ 11.00 1.7 million 3 5/18/2022 Employees 150,027 PSU 10.26 1.5 million 3 5/18/2022 Directors 41,206 RSA 12.55 517,000 1 Various Employees 13,115 RSU 12.69 166,000 3 December 31, 2023 3/15/2023 Employees 176,623 RSU 11.28 2.0 million 3 3/15/2023 Employees 176,623 PSU 10.54 1.9 million 3 3/15/2023 Directors 33,048 RSA 12.80 423,000 1 3/27/2023 Employees 80,980 RSU 11.20 907,000 2 Various Employees 128,148 RSU 10.30 1.3 million 3 December 31, 2024 3/20/2024 Employees 307,775 RSU 9.79 3.0 million 3 3/20/2024 Employees 324,124 PSU 9.07 2.9 million 3 3/20/2024 Directors 41,560 RSA 11.31 470,000 1 Various Employees 266,106 RSU 10.86 2.9 million 3 to 4 Total shares forfeited from the 2022 plan were 210,214 of which 139,141 shares were forfeited during the year ended December 31, 2024. At December 31, 2024, there was compensation expense of $4.2 million to be recognized for awarded but unvested RSUs and $2.4 million to be recognized for awarded but unvested PSUs, with an expense recognition period remaining of 2.5 years. At December 31, 2024, there was compensation expense of $918,215 to be recognized for awarded but unvested RSAs, with an expense recognition period remaining of one year. (c) Stock Option Plans There were no stock options granted during the years ended December 31, 2024, December 31, 2023 or December 31, 2022. Previously granted options were valued using the Black-Scholes option pricing model. The following table summarizes the activity in our option plans during the years ended December 31, 2024, December 31, 2023 and December 31, 2022 (amounts in this table are not in thousands): Years ended December 31, 2024 2023 2022 Number Weighted average Number Weighted average Number Weighted average Balance at beginning of year 3,209,005 $ 14.36 3,657,580 $ 14.25 4,380,310 $ 14.05 Exercised (1) (199,058) 12.29 (63,315) 11.46 (465,920) 12.14 Forfeited/expired (404,080) 13.73 (385,260) 13.80 (256,810) 14.64 Balance at end of year 2,605,867 15.28 3,209,005 14.36 3,657,580 14.25 Exercisable at end of year 2,355,318 16.17 2,601,367 14.52 2,556,235 14.43 (1) The total intrinsic value of options exercised was $390,000, $115,000 and $839,000, respectively. The aggregate intrinsic value of all options expected to vest and fully vested options at December 31, 2024 is ($193,000) and ($5.3) million, respectively. The following table summarizes the number of options outstanding, number of options exercisable, and weighted average remaining life of all option grants as of December 31, 2024 (amounts in this table are not in thousands): Exercise price Exercise price Exercise price Exercise price $9.71 $12.37 $13.68 $14.15 Options outstanding: Number of options 325,075 151,948 470,042 297,819 Weighted average remaining contract life (years) 5.4 0.4 6.4 1.4 Options exercisable: Number of options 247,401 151,948 394,884 278,402 Weighted average remaining term - vested (years) 4.6 9.6 3.6 8.6 Exercise price Exercise price Exercise price Exercise price $15.57 $16.59 $17.27 $14.25 Options outstanding: Number of options 419,582 543,519 395,942 2,605,867 Weighted average remaining contract life (years) 2.4 3.4 4.4 3.8 Options exercisable: Number of options 373,022 543,519 364,202 2,355,318 Weighted average remaining term - vested (years) 7.6 6.6 5.6 2.6

Disclosures About Fair Value of

Disclosures About Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2024
Fair Value Disclosures [Abstract]
Disclosures About Fair Value of Financial Instruments	Disclosures About Fair Value of Financial Instruments We are required to disclose fair value information about financial instruments whether or not recognized in the Consolidated Statement of Financial Condition. Fair value information of certain financial instruments and all nonfinancial instruments is not required to be disclosed. Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company. Financial assets and liabilities recognized or disclosed at fair value on a recurring basis and certain financial assets and liabilities on a non-recurring basis are accounted for using a three-level hierarchy of valuation techniques based on whether the inputs to those valuation techniques are observable or unobservable. This hierarchy gives the highest priority to quoted prices with readily available independent data in active markets for identical assets or liabilities (Level 1) and the lowest priority to unobservable market inputs (Level 3). When various inputs for measurement fall within different levels of the fair value hierarchy, the lowest level input that has a significant impact on fair value measurement is used. Financial assets and liabilities are categorized based upon the following characteristics or inputs to the valuation techniques: • Level 1 — Financial assets and liabilities for which inputs are observable and are obtained from reliable quoted prices for identical assets or liabilities in actively traded markets. This is the most reliable fair value measurement and includes, for example, active exchange-traded equity securities. • Level 2 — Financial assets and liabilities for which values are based on quoted prices in markets that are not active or for which values are based on similar assets or liabilities that are actively traded. Level 2 also includes pricing models in which the inputs are corroborated by market data, for example, matrix pricing. • Level 3 — Financial assets and liabilities for which values are based on prices or valuation techniques that require inputs that are both unobservable and significant to the overall fair value measurement. Level 3 inputs include the following: ◦ Quotes from brokers or other external sources that are not considered binding; ◦ Quotes from brokers or other external sources where it cannot be determined that market participants would in fact transact for the asset or liability at the quoted price; and ◦ Quotes and other information from brokers or other external sources where the inputs are not deemed observable. We are responsible for the valuation process and as part of this process may use data from outside sources in establishing fair value. We perform due diligence to understand the inputs used or how the data was calculated or derived. We also corroborate the reasonableness of external inputs in the valuation process. The carrying amounts reported in the Consolidated Statement of Financial Condition approximate fair value for the following financial instruments: cash and cash equivalents, marketable securities available-for-sale, loans held-for-sale, accrued interest receivable, interest rate lock commitments, forward commitments, interest rate swaps, savings and checking deposits, foreign exchange swaps, risk participation agreements, and accrued interest payable. Marketable Securities Where available, market values are based on quoted market prices, dealer quotes, and prices obtained from independent pricing services. Debt Securities — available-for-sale - Generally, debt securities are valued using pricing for similar securities, recently executed transactions and other pricing models utilizing observable inputs. The valuation for most debt securities is classified as Level 2. Securities within Level 2 include corporate bonds, municipal bonds, mortgage-backed securities and U.S. government obligations. Debt Securities — held-to-maturity - The fair value of debt securities held-to-maturity is determined in the same manner as debt securities available-for-sale. Loans Receivable Loans with comparable characteristics including collateral and re-pricing structures are segregated for valuation purposes. Each loan pool is separately valued utilizing a discounted cash flow analysis. Projected monthly cash flows are discounted to present value using a market rate for comparable loans, which is not considered an exit price. Characteristics of comparable loans include remaining term, coupon interest, and estimated prepayment speeds. Delinquent loans are separately evaluated given the impact delinquency has on the projected future cash flow of the loan including the approximate discount or market rate, which is not considered an exit price. Loans Held-for-Sale The estimated fair value of loans held-for-sale is based on market bids obtained from potential buyers. FHLB Stock Due to the restrictions placed on transferability of FHLB stock, it is not practical to determine the fair value. FHLB stock is recorded at cost. Deposit Liabilities The estimated fair value of deposits with no stated maturity, which includes demand deposits, money market, and other savings accounts, is the amount payable on demand. Although market premiums paid for depository institutions reflect an additional value for these low-cost deposits, adjusting fair value for any value expected to be derived from retaining those deposits for a future period of time or from the benefit that results from the ability to fund interest-earning assets with these deposit liabilities is prohibited. The fair value estimates of deposit liabilities do not include the benefit that results from the low-cost funding provided by these deposits compared to the cost of borrowing funds in the market. Fair values for time deposits are estimated using a discounted cash flow calculation that applies contractual cost currently being offered in the existing portfolio to current market rates being offered locally for deposits of similar remaining maturities. The valuation adjustment for the portfolio consists of the present value of the difference of these two cash flows, discounted at the assumed market rate of the corresponding maturity. Borrowed Funds Fixed rate advances are valued by comparing their contractual cost to the prevailing market cost. The carrying amount of repurchase agreements approximates their fair value. Subordinated Debentures The fair value of our subordinated debentures is calculated using the discounted cash flows at rates observable for other similarly traded liabilities. Junior Subordinated Debentures The fair value of junior subordinated debentures is calculated using the discounted cash flows at the prevailing rate of interest. Interest Rate Lock Commitments and Forward Commitments The fair value of interest rate lock commitments is based on the value of underlying loans held-for-sale which is based on quoted prices for similar loans in the secondary market. This value is then adjusted based on the probability of the loan closing (i.e., the “pull-through” amount, a significant unobservable input). The fair value of forward sale commitments is based on quoted prices from the secondary market based on the settlement date of the contracts. Cash Flow Hedges, Interest Rate and Foreign Exchange Swap Agreements and Risk Participation Agreements The fair value of interest rate swaps is based upon the present value of the expected future cash flows using the SOFR discount curve, the basis for the underlying interest rate. To price interest rate swaps, cash flows are first projected for each payment date using the fixed rate for the fixed side of the swap and the forward rates for the floating side of the swap. These swap cash flows are then discounted to time zero using SOFR zero-coupon interest rates. The sum of the present value of both legs is the fair market value of the interest rate swap. These valuations have been derived from our third party vendor’s proprietary models rather than actual market quotations. The proprietary models are based upon financial principles and assumptions that we believe to be reasonable. The fair value of the foreign exchange swap is derived from proprietary models rather than actual market quotations. The proprietary models are based upon financial principles and assumptions that we believe to be reasonable. Risk participation agreements are entered into when Northwest purchases a portion of a commercial loan that has an interest rate swap. Northwest assumes credit risk on its portion of the interest rate swap should the borrower fail to pay as agreed. The value of risk participation agreements is determined based on the value of the swap after considering the credit quality, probability of default, and loss given default of the borrower. Off-Balance Sheet Financial Instruments These financial instruments generally are not sold or traded, and estimated fair values are not readily available. However, the fair value of commitments to extend credit and standby letters of credit is estimated using the fees currently charged to enter into similar agreements. Commitments to extend credit are generally short-term in nature and, if drawn upon, are issued under current market terms. At December 31, 2024 and 2023, there was no significant unrealized appreciation or depreciation on these financial instruments. The following table sets forth the carrying amount and estimated fair value of our financial instruments included in the Consolidated Statement of Financial Condition at December 31, 2024 and 2023: December 31, 2024 Carrying amount Estimated fair value Level 1 Level 2 Level 3 Netting Adjustments (1) Financial assets: Cash and cash equivalents $ 288,378 288,378 288,378 — — — Securities available-for-sale 1,108,944 1,108,944 — 1,108,944 — — Securities held-to-maturity 750,586 637,948 — 637,948 — — Loans receivable, net 11,063,195 10,431,355 — — 10,431,355 — Loans held-for-sale 76,331 76,331 — 68,620 7,711 — Accrued interest receivable 46,356 46,356 46,356 — — — Interest rate lock commitments 342 342 — — 342 — Forward commitments 34 34 — 34 — — Foreign exchange swaps 199 199 — 199 — — Interest rate swaps designated as hedging instruments 1,497 1,497 — 1,529 — (32) Interest rate swaps not designated as hedging instruments 3,493 3,493 — 37,697 — (34,204) FHLB stock 21,006 21,006 — — — — Total financial assets $ 13,360,361 12,615,883 334,734 1,854,971 10,439,408 (34,236) Financial liabilities: Savings and checking deposits $ 9,466,909 9,466,909 9,466,909 — — — Time deposits 2,677,645 2,677,070 — — 2,677,070 — Borrowed funds 200,331 196,277 228,119 — — (31,842) Subordinated debt 114,538 115,982 — 115,982 — — Junior subordinated debentures 129,834 128,122 — — 128,122 — Foreign exchange swaps 4 4 — 4 — — Interest rate swaps designated as hedging instruments — — — 32 — (32) Interest rate swaps not designated as hedging instruments 35,405 35,405 — 37,767 — (2,362) Risk participation agreements 16 16 — 16 — — Accrued interest payable 6,935 6,935 6,935 — — — Total financial liabilities $ 12,631,617 12,626,720 9,701,963 153,801 2,805,192 (34,236) (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties. December 31, 2023 Carrying amount Estimated fair value Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 122,260 122,260 122,260 — — Securities available-for-sale 1,043,359 1,043,359 — 1,043,359 — Securities held-to-maturity 814,839 699,506 — 699,506 — Loans receivable, net 11,280,798 10,274,593 — — 10,274,593 Loans held-for-sale 8,768 8,768 — — 8,768 Accrued interest receivable 47,353 47,353 47,353 — — Interest rate lock commitments 641 641 — — 641 Forward commitments 12 12 — 12 — Interest rate swaps designated as hedging instruments 713 713 — 713 — Interest rate swaps not designated as hedging instruments 41,406 41,406 — 41,406 — FHLB stock 30,146 30,146 — — — Total financial assets $ 13,390,295 12,268,757 169,613 1,784,996 10,284,002 Financial liabilities: Savings and checking accounts $ 9,377,021 9,377,021 9,377,021 — — Time deposits 2,602,881 2,113,177 — — 2,113,177 Borrowed funds 398,895 386,446 386,446 — — Subordinated debt 114,189 109,471 — 109,471 — Junior subordinated debentures 129,574 112,159 — — 112,159 Foreign exchange swaps 291 291 — 291 — Interest rate swaps designated as hedging instruments 1,198 1,198 — 1,198 — Interest rate swaps not designated as hedging instruments 41,437 41,437 — 41,437 — Risk participation agreements 14 14 — 14 — Accrued interest payable 13,669 13,669 13,669 — — Total financial liabilities $ 12,679,169 12,154,883 9,777,136 152,411 2,225,336 Fair value estimates are made at a point-in-time, based on relevant market data and information about the instrument. The preceding methods and assumptions were used in estimating the fair value of financial instruments at December 31, 2024 and 2023. The following table represents assets and liabilities measured at fair value on a recurring basis as of December 31, 2024: Level 1 Level 2 Level 3 Netting Adjustments (1) Total at Debt securities: U.S. government and agencies $ — 35,391 — — 35,391 Government sponsored enterprises — 118 — — 118 States and political subdivisions — 58,627 — — 58,627 Corporate — 26,101 — — 26,101 Total debt securities — 120,237 — — 120,237 Residential mortgage-backed securities: GNMA — 50,149 — — 50,149 FNMA — 84,212 — — 84,212 FHLMC — 89,840 — — 89,840 Non-agency — 5 — — 5 Collateralized mortgage obligations: GNMA — 562,948 — — 562,948 FNMA — 74,395 — — 74,395 FHLMC — 127,158 — — 127,158 Total mortgage-backed securities — 988,707 — — 988,707 Interest rate lock commitments — — 342 — 342 Forward commitments — 34 — — 34 Foreign exchange swaps — 199 — — 199 Interest rate swaps designated as hedging instruments — 1,529 — (32) 1,497 Interest rate swaps not designated as hedging instruments — 37,697 — (34,204) 3,493 Total assets $ — 1,148,403 342 (34,236) 1,114,509 Foreign exchange swaps $ — 4 — — 4 Interest rate swaps designated as hedging instruments — 32 — (32) — Interest rate swaps not designated as hedging instruments — 37,767 — (2,362) 35,405 Risk participation agreements — 16 — — 16 Total liabilities $ — 37,819 — (2,362) 35,425 (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties. The following table represents assets and liabilities measured at fair value on a recurring basis as of December 31, 2023: Level 1 Level 2 Level 3 Total at Debt securities: U.S. government and agencies $ — 58,314 — 58,314 Government sponsored enterprises — 40,597 — 40,597 States and political subdivisions — 75,469 — 75,469 Corporate — 7,688 — 7,688 Total debt securities — 182,068 — 182,068 Residential mortgage-backed securities: GNMA — 17,441 — 17,441 FNMA — 102,678 — 102,678 FHLMC — 70,830 — 70,830 Non-agency — 5 — 5 Collateralized mortgage obligations: GNMA — 331,784 — 331,784 FNMA — 148,892 — 148,892 FHLMC — 189,661 — 189,661 Total mortgage-backed securities — 861,291 — 861,291 Interest rate lock commitments — — 641 641 Forward commitments — 12 — 12 Interest rate swaps designated as hedging instruments — 713 — 713 Interest rate swaps not designated as hedging instruments — 41,406 — 41,406 Total assets $ — 1,085,490 641 1,086,131 Foreign exchange swaps $ — 291 — 291 Interest rate swaps designated as hedging instruments — 1,198 — 1,198 Interest rate swaps not designated as hedging instruments — 41,437 — 41,437 Risk participation agreements — 14 — 14 Total liabilities $ — 42,940 — 42,940 The following table presents the changes in Level 3 assets and liabilities measured at fair value on a recurring basis for the year ended December 31, 2024 and 2023: Years ended December 31, 2024 2023 Beginning balance January 1, $ 641 559 Net activity (299) 82 Transfers from Level 3 — — Transfers into of Level 3 — — Ending balance December 31, $ 342 641 Certain assets and liabilities are measured at fair value on a nonrecurring basis after initial recognition such as loans individually assessed, real estate owned, and MSRs. The following table represents the fair market measurement for only those nonrecurring assets that had a fair market value below the carrying amount as of December 31, 2024: Level 1 Level 2 Level 3 Total assets Loans individually assessed $ — — 9,801 9,801 Mortgage servicing rights — — 20 20 Real estate owned, net — — 35 35 Total assets $ — — 9,856 9,856 The following table represents the fair market measurement for only those nonrecurring assets that had a fair market value below the carrying amount as of December 31, 2023: Level 1 Level 2 Level 3 Total assets Loans individually assessed $ — — 36,747 36,747 Mortgage servicing rights — — 133 133 Real estate owned, net — — 104 104 Total assets $ — — 36,984 36,984 Individually Assessed Loans — A loan is considered to be individually assessed as described in Note 1(f). We classify loans individually assessed as nonrecurring Level 3. Mortgage Servicing Rights — Mortgage servicing rights represent the value of servicing residential mortgage loans, when the mortgage loans have been sold into the secondary market and the associated servicing has been retained. The value is determined through a discounted cash flow analysis, which uses interest rates, prepayment speeds and delinquency rate assumptions as inputs. All of these assumptions require a significant degree of management judgment. Servicing rights and the related mortgage loans are segregated into categories or homogeneous pools based upon common characteristics. Adjustments are only made when the estimated discounted future cash flows are less than the carrying value, as determined by individual pool. As such, mortgage servicing rights are classified as nonrecurring Level 3. Real Estate Owned — Real estate owned is comprised of property acquired through foreclosure or voluntarily conveyed by borrowers. These assets are recorded on the date acquired at the lower of the related loan balance or fair value, less estimated disposition costs, with the fair value being determined by appraisal. Subsequently, foreclosed assets are valued at the lower of the amount recorded at acquisition date or fair value, less estimated disposition costs. We classify real estate owned as nonrecurring Level 3. The following table presents additional quantitative information about assets measured at fair value on a recurring and nonrecurring basis and for which we have utilized Level 3 inputs to determine fair value at December 31, 2024: Fair value ($) Valuation Significant Range Loans individually assessed 9,801 Appraisal value (1) Estimated cost to sell 10% Mortgage servicing rights 20 Discounted cash flow Annual service cost $88 Prepayment rate 6.5% to 19.8% (11.3%) Expected life (months) 48.9 to 101.3 (69.7) Option adjusted spread 724 basis points Forward yield curve 4.65% to 4.49% Real estate owned, net 35 Appraisal value (1) Estimated cost to sell 10% Loans held for sale 7,711 Quoted prices for similar loans in active markets adjusted by an expected pull-through rate Estimated pull-through rate 100%

Regulatory Capital Requirements

Regulatory Capital Requirements	12 Months Ended
	Dec. 31, 2024
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Regulatory Capital Requirements	Regulatory Capital Requirements Financial institutions and their holding companies are subject to various regulatory capital requirements. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by the regulators that, if undertaken, could have a direct, material effect on a company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, financial institutions must meet specific capital guidelines that involve quantitative measures of its assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting guidelines. Capital amounts and classifications are also subject to qualitative judgments made by the regulators about components, risk-weighting and other factors. Applicable rules limit an organization’s capital distributions and certain discretionary bonus payments if the organization does not hold a “ capital conservation buffer ” consisting of 2.5% of Total, Tier 1 and Common Equity Tier 1 ( “ CET1 ” ) capital to risk-weighted assets in addition to the amount necessary to meet its minimum risk-based capital requirements. Quantitative measures established by regulation to ensure capital adequacy, require financial institutions to maintain minimum amounts and ratios (set forth in the table below) of Total, CET1 and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital to average assets (as defined). As of December 31, 2024 and 2023, we and our banking subsidiary exceeded all capital adequacy requirements to which we were subject and our regulatory capital ratios were above the minimum levels required to be considered “well capitalized” for regulatory purposes. To be considered as “well capitalized,” we and our banking subsidiary must maintain regulatory capital ratios as set forth in the table. We have elected to phase the estimated impact of CECL into regulatory capital in accordance with the interim final rule of the Federal Reserve Board and other U.S. banking agencies that became effective on March 31, 2020. As a result, we delayed recognizing the estimated impact of CECL on regulatory capital until after a two-year deferral period, which for us extended through December 31, 2021. Beginning on January 1, 2022, we were required to phase in 75% of the previously deferred estimated capital impact of CECL, with 50% to be phased in at the beginning of 2023, and 25% at the beginning of 2024, until fully phased in by the first quarter of 2025. Under the interim final rule, the estimated impact of CECL on regulatory capital that we will defer and later phase in is calculated as the entire day-one impact at adoption plus 25% of the subsequent change in allowance during the two-year deferral period. The actual, required, and well capitalized levels as of December 31, 2024 and 2023 were as follows: At December 31, 2024 Actual Minimum capital Well capitalized (2) Amount Ratio Amount Ratio Amount Ratio Total capital (to risk weighted assets) Northwest Bancshares, Inc. $ 1,708,786 16.078 % $ 1,115,932 10.500 % $ 1,062,793 10.000 % Northwest Bank 1,466,832 13.814 % 1,114,929 10.500 % 1,061,837 10.000 % Tier 1 capital (to risk weighted assets) Northwest Bancshares, Inc. 1,468,646 13.819 % 903,374 8.500 % 637,676 6.000 % Northwest Bank 1,341,230 12.631 % 902,561 8.500 % 849,469 8.000 % CET 1 capital (to risk weighted assets) Northwest Bancshares, Inc. 1,342,801 12.635 % 743,955 7.000 % N/A N/A Northwest Bank 1,341,230 12.631 % 743,286 7.000 % 690,194 6.500 % Tier 1 capital (leverage to average assets) Northwest Bancshares, Inc. 1,468,646 10.390 % 565,426 4.000 % N/A N/A Northwest Bank 1,341,230 9.496 % 564,937 4.000 % 706,171 5.000 % (1) The capital conservation buffer of 2.5% does not apply to Tier 1 capital to average assets (leverage ratio). For further information related to the capital conservation buffer, see “Item 1. Business—Supervision and Regulation”. (2) Reflects the well-capitalized standard applicable to Northwest Bank and the well-capitalized standard applicable to the Company under the Federal Reserve Board’s Regulation Y. At December 31, 2023 Actual Minimum capital Well capitalized (2) Amount Ratio Amount Ratio Amount Ratio Total capital (to risk weighted assets) Northwest Bancshares, Inc. $ 1,799,883 16.753 % $ 1,128,054 10.500 % $ 1,074,337 10.000 % Northwest Bank 1,520,736 14.167 % 1,127,076 10.500 % 1,073,406 10.000 % Tier 1 capital (to risk weighted assets) Northwest Bancshares, Inc. 1,553,766 14.463 % 913,186 8.500 % 644,602 6.000 % Northwest Bank 1,388,808 12.938 % 912,395 8.500 % 858,725 8.000 % CET 1 capital (to risk weighted assets) Northwest Bancshares, Inc. 1,428,181 13.294 % 752,036 7.000 % N/A N/A Northwest Bank 1,388,808 12.938 % 751,384 7.000 % 697,714 6.500 % Tier 1 capital (leverage to average assets) Northwest Bancshares, Inc. 1,428,181 10.841 % 573,290 4.000 % N/A N/A Northwest Bank 1,388,808 9.697 % 572,903 4.000 % 716,128 5.000 % (1) The 2023 capital conservation buffer of 2.5% does not apply to Tier 1 capital to average assets (leverage ratio). For further information related to the capital conservation buffer, see “ Item 1. Business—Supervision and Regulation”. (2) Reflects the well-capitalized standard applicable to Northwest Bank and the well-capitalized standard applicable to the Company under the Federal Reserve Board’s Regulation Y.

Contingent Liabilities

Contingent Liabilities	12 Months Ended
	Dec. 31, 2024
Commitments and Contingencies Disclosure [Abstract]
Contingent Liabilities	Contingent Liabilities We and our subsidiaries are subject to a number of asserted and unasserted claims encountered in the normal course of business. Management believes that the aggregate liability, if any, that may result from such potential litigation will not have a material adverse effect on our financial statements. However, we cannot presently determine whether or not any claims against us will have a material adverse effect on our results of operations in any future reporting period.

Legal Proceedings

Legal Proceedings	12 Months Ended
	Dec. 31, 2024
Commitments and Contingencies Disclosure [Abstract]
Legal Proceedings	Legal Proceedings We establish accruals for legal proceedings when information related to the loss contingencies represented by those matters indicates both that a loss is probable and that the amount of loss can be reasonably estimated. As of December 31, 2024, we do not anticipate that the aggregate ultimate liability arising out of any pending or threatened legal proceedings will be material to our Consolidated Financial Statements. Any such accruals are adjusted thereafter as appropriate to reflect changes in circumstances. Due to the inherent subjectivity of assessments and unpredictability of outcomes of legal proceedings, any amounts accrued may not represent the ultimate loss to us from legal proceedings.

Components of Accumulated Other

Components of Accumulated Other Comprehensive Income	12 Months Ended
	Dec. 31, 2024
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Components of Accumulated Other Comprehensive Income	Components of Accumulated Other Comprehensive Income The following table sets forth the components of accumulated other comprehensive loss as of December 31, 2024 and 2023: December 31, 2024 2023 Unrealized loss on marketable securities available-for-sale $ (130,248) (150,659) Fair value of interest rate swaps 1,159 (374) Defined benefit pension plans 18,175 1,541 Accumulated other comprehensive loss $ (110,914) (149,492) The following table shows the changes in accumulated other comprehensive loss by component for the year ended December 31, 2024: Unrealized gains and losses on securities Change in fair value of interest rate swaps Change in defined Total Balance as of January 1, $ (150,659) (374) 1,541 (149,492) Other comprehensive income/(loss) before reclassification adjustments (1) (2) (3) (6,378) 1,533 18,187 13,342 Amounts reclassified from accumulated other comprehensive income (4) (5) 26,789 — (1,553) 25,236 Net other comprehensive income/(loss) 20,411 1,533 16,634 38,578 Balance as of December 31, $ (130,248) 1,159 18,175 (110,914) (1) Consists of unrealized holding gains, net of tax of $1,193. (2) Change in fair value of interest rate swaps, net of tax of $(448). (3) Consists of unrealized gains, net of tax of $(6,895). (4) Consists of realized losses, net of tax of $(7,706). (5) Consists of realized gains, net of tax of $591. The following table shows the changes in accumulated other comprehensive loss by component for the year ended December 31, 2023: Unrealized gains and losses on securities available-for-sale Change in fair value of interest rate swaps Change in Total Balance as of January 1, $ (164,206) — (6,952) (171,158) Other comprehensive (loss)/income before reclassification adjustments (1) (2) (3) 7,875 (374) 10,019 17,520 Amounts reclassified from accumulated other comprehensive income (4) (5) 5,672 — (1,526) 4,146 Net other comprehensive (loss)/income 13,547 (374) 8,493 21,666 Balance as of December 31, $ (150,659) (374) 1,541 (149,492) (1) Consists of unrealized holding gains, net of tax of $(3,429). (2) Change in fair value of interest rate swaps, net of tax of $110. (3) Consists of unrealized gains, net of tax of $(3,961). (4) Consists of realized losses, net of tax of $(1,700). (5) Consists of realized gains, net of tax of $607. The following table shows the changes in accumulated other comprehensive loss by component for the year ended December 31, 2022: Unrealized gains and losses on securities Change in Total Balance as of January 1, $ (12,317) (25,312) (37,629) Other comprehensive (loss)/income before reclassification adjustments (1) (2) (151,888) 18,884 (133,004) Amounts reclassified from accumulated other comprehensive income (3) (4) (1) (524) (525) Net other comprehensive (loss)/income (151,889) 18,360 (133,529) Balance as of December 31, $ (164,206) (6,952) (171,158) (1) Consists of unrealized holding losses, net of tax of $45,321. (2) Consists of unrealized gains, net of tax of $(7,182). (3) Consists of realized gains, net of tax of $0. (4) Consists of realized gains, net of tax of $202.

Segment Information

Segment Information	12 Months Ended
	Dec. 31, 2024
Segment Reporting [Abstract]
Segment Information	Segment Information The Company’s reportable segment is determined by the Chief Executive Officer, who is the designated chief operating decision maker, based upon information provided about the Company’s products and services offered, primarily banking operations. Our one operating segment, Banking, is also distinguished by the level of information provided to the chief operating decision maker, who uses such information to review performance of the various components of the business such as branches and lending, which are then aggregated because operating performance, products/services and customers are similar. The chief operating decision maker will evaluate the financial performance of the Company’s business components such as by evaluating revenue streams, significant expenses and budget to actual results in assessing the Company’s segment and in the determination of allocating resources. The information reviewed is on a consolidated basis and discrete financial information is not available. The chief operating decision maker uses revenue streams to evaluate product pricing and significant expenses to assess performance and evaluate return on assets. The chief operating decision maker uses consolidated net income through return on average assets and return on average equity and the efficiency ratio, as well as loan growth to benchmark the Company against its competitors. The benchmarking analysis coupled with monitoring of budget to actual results are used in assessment performance and in establishing compensation. Loans, investments, and deposits provide the revenues in the banking operation. Interest expense, provisions for credits losses and payroll provide the significant expenses in the banking operating. All operations are domestic. Accounting policies for segment are the same as those described in Note 1. Segment performance is evaluated using consolidated net income. Information reported internally for performance assessment by the chief operating decision maker follows, inclusive of reconciliations of significant segment totals to the financial statements: Banking Segment Years ended December 31, 2024 2023 2022 Interest income $ 669,196 587,922 448,798 Reconciliation of revenue Service charges and fees 62,957 59,214 55,188 Trust and other financial services income 30,102 27,284 27,765 Loss on sale of investments (39,413) (8,307) (8) Other revenue (1) 33,364 35,632 27,904 Consolidated revenues $ 756,206 701,745 559,647 Less: Interest expense 233,618 152,239 28,117 Segment net interest income and noninterest income $ 522,588 549,506 531,530 Less: Provision for credit losses 24,505 22,874 28,315 Compensation and employee benefits 214,455 195,691 188,359 Processing expenses 59,351 58,687 52,496 Premises and occupancy costs 29,469 29,151 29,618 Professional services 14,883 17,819 14,703 Office operations 12,433 12,955 13,318 Federal deposit insurance premiums 11,600 9,271 4,778 Other segment items (2) 26,346 27,980 26,251 Income tax expense 29,268 40,121 40,026 Segment net income/consolidated net income $ 100,278 134,957 133,666 (1) Other revenues include loan sales, gain on real estate owned, income from bank owned life insurance and other operating income. (2) Other segment items include expenses for collections, marketing, amortization of intangibles, real estate owned, merger, asset disposition and restructuring and other operating expense. Banking Segment Years ended December 31, 2024 2023 2022 Other segment disclosures Interest income $ 669,196 587,922 448,798 Interest expense 233,618 152,239 28,117 Depreciation 11,259 11,492 11,602 Amortization 2,452 3,270 4,277 Other significant noncash items: Provision for credit losses 24,505 22,874 28,315 Segment assets 14,408,224 14,419,105 14,113,324 Expenditures for segment assets 4,618 2,275 5,863

Parent Company Only Financial S

Parent Company Only Financial Statements - Condensed	12 Months Ended
	Dec. 31, 2024
Condensed Financial Information Disclosure [Abstract]
Parent Company Only Financial Statements - Condensed	Parent Company Only Financial Statements - Condensed Statements of Financial Condition December 31, 2024 2023 Assets Cash and cash equivalents $ 238,966 276,026 Investment in bank subsidiary 1,627,392 1,588,711 Other assets 9,397 9,405 Total assets $ 1,875,755 1,874,142 Liabilities and shareholders’ equity Liabilities: Debentures payable $ 244,372 243,763 Other liabilities 2,427 2,302 Total liabilities 246,799 246,065 Shareholders’ equity 1,628,956 1,628,077 Total liabilities and shareholders’ equity $ 1,875,755 1,874,142 Statements of Income Years ended December 31, 2024 2023 2022 Income: Interest income $ 185 187 140 Other income 737 729 805 Dividends from bank subsidiary 75,000 215,000 161,000 Undistributed earnings from equity investment in bank subsidiary 38,694 (67,106) (18,187) Total income 114,616 148,810 143,758 Expense: Compensation and employee benefits 1,972 1,906 1,656 Other expenses 1,339 1,044 1,042 Interest expense 14,593 14,342 9,825 Total expense 17,904 17,292 12,523 Income before income taxes 96,712 131,518 131,235 Income tax benefit (3,566) (3,439) (2,431) Net income $ 100,278 134,957 133,666 Statements of Cash Flows Years ended December 31, 2024 2023 2022 Operating activities: Net income $ 100,278 134,957 133,666 Adjustments to reconcile net income to net cash provided by operating activities: Undistributed earnings of subsidiary (38,694) 67,106 18,187 Net change in other assets and liabilities 757 900 (9,457) Net cash provided by operating activities 62,341 202,963 142,396 Investing activities: Net cash used in investing activities — — — Financing activities: Cash dividends paid on common stock (101,854) (101,669) (101,468) Repurchase of Northwest stock — — — Proceeds from stock options exercised 2,453 630 5,173 Net cash used in financing activities (99,401) (101,039) (96,295) Net (decrease)/increase in cash and cash equivalents $ (37,060) 101,924 46,101 Cash and cash equivalents at beginning of period $ 276,026 174,102 128,001 Net (decrease)/increase in cash and cash equivalents (37,060) 101,924 46,101 Cash and cash equivalents at end of period $ 238,966 276,026 174,102

Derivative Financial Instrument

Derivative Financial Instruments	12 Months Ended
	Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments	Derivative Financial Instruments We are a party to derivative financial instruments in the normal course of business to manage our own exposure to fluctuations in interest rates and to meet the needs of our customers. The primary derivatives that we use are interest rate swaps and caps and foreign exchange contracts, which are entered into with counterparties that meet established credit standards. We believe that the credit risk inherent in all of our derivative contracts is minimal based on our credit standards and the netting and collateral provisions of the interest rate swap agreements. Derivatives Designated as Hedging Instruments As of December 31, 2024, the Company had entered into seven separate pay-fixed interest rate swaps in order to synthetically convert short-term three month FHLB advances to fixed-rate term funding with an aggregate value of $175 million with maturities ranging from three Derivatives and Hedging . Our cash flow hedges are recorded within other assets on the Consolidated Statement of Financial Condition at their estimated fair value. As long as the hedge remains highly effective, the changes in the fair value of derivatives designated, and that qualify, as cash flow hedges are recorded in accumulated other comprehensive income and are subsequently reclassified into earnings in the period that the hedged forecasted transaction affects earnings. A hedging relationship that is determined to not be highly effective no longer qualifies for hedge accounting and any gain or loss is recognized immediately into earnings. Amounts reclassified into earnings are included in interest expense in the Consolidated Statement of Income. Derivatives Not Designated as Hedging Instruments We act as an interest rate or foreign exchange swap counterparty for certain commercial borrowers in the normal course of servicing our customers, which are accounted for at fair value. We manage our exposure to such interest rate or foreign exchange swaps by entering into corresponding and offsetting interest rate swaps with third parties that mirror the terms of the swaps we have with the commercial borrowers. These positions (referred to as “customer swaps”) directly offset each other and our exposure is the fair value of the derivatives due to changes in credit risk of our commercial borrowers and third parties. Customer swaps are recorded within other assets or other liabilities on the Consolidated Statement of Financial Condition at their estimated fair value. Changes to the fair value of assets and liabilities arising from these derivatives are included, net, in other operating income in the Consolidated Statement of Income. We enter into interest rate lock commitments for residential mortgage loans which commit us to lend funds to a potential borrower at a specific interest rate within a specified period of time. Interest rate lock commitments that relate to the origination of mortgage loans that will be held-for-sale are considered derivative financial instruments under applicable accounting guidance. Interest rate lock commitments on loans held-for-sale are carried at fair value in other assets on the Consolidated Statement of Financial Condition. Northwest sells loans to the secondary market on a mandatory or best efforts basis. The loans sold on a mandatory basis commit us to deliver a specific principal amount of mortgage loans to an investor at a specified price, by a specified date, or the commitment must be paired off. These forward commitments entered into on a mandatory delivery basis meet the definition of a derivative financial instrument. All closed loans to be sold on a mandatory delivery basis are classified as held-for-sale on the Consolidated Statement of Financial Condition. Changes to the fair value of the interest rate lock commitments and the forward commitments are recorded in mortgage banking income in the Consolidated Statements of Income. We enter into risk participation agreements with financial institution counterparties for interest rate swaps related to loans in which we are a participant. The risk participation agreements provide credit protection to the financial institution should the borrower fail to perform on its interest rate derivative contract with the financial institution. These risk participation agreements are recorded within other liabilities on the Consolidated Statement of Financial Condition at their estimated fair value. Changes to the fair value of the risk participation agreements are included in other operating income in the Consolidated Statement of Income. The following table presents information regarding our derivative financial instruments at the dates indicated. Amounts in the table below are presented gross without the impact of any net collateral agreements (in thousands): Asset derivatives Liability derivatives Notional amount Fair value Notional amount Fair value At December 31, 2024 Derivatives designated as hedging instruments: Interest rate swap agreements $ 125,000 1,529 50,000 32 Derivatives not designated as hedging instruments: Interest rate swap agreements 780,177 37,697 780,177 37,767 Foreign exchange swap agreements 5,724 199 2,690 4 Interest rate lock commitments 17,426 342 — — Forward commitments 1,509 34 — — Risk participation agreements — — 129,439 16 Total derivatives $ 929,836 39,801 962,306 37,819 At December 31, 2023 Derivatives designated as hedging instruments: Interest rate swap agreements $ 75,000 713 100,000 1,198 Derivatives not designated as hedging instruments: Interest rate swap agreements 725,139 41,406 725,139 41,437 Foreign exchange swap agreements — — 12,278 291 Interest rate lock commitments 21,857 641 — — Forward commitments 281 12 — — Risk participation agreements — — 101,727 14 Total derivatives $ 822,277 42,772 939,144 42,940 The following table presents income or expenses recognized on derivatives for the periods indicated (in thousands): For the years ended December 31, 2024 2023 2022 Hedging derivatives: Decrease in interest expense $ 2,659 1,573 — Non-hedging swap derivatives: Increase/(decrease) in other income 444 (613) (83) (Decrease)/increase in mortgage banking income (277) (34) 1,368 The following table presents information regarding our derivative financial instruments designated as hedging for the year ended December 31, 2024 (dollars in thousands): Notional amount Effective rate Estimated decrease to interest expense Maturity date Remaining term Interest rate products: Issued May 11, 2023 $ 25,000 3.46 % $ (334) 5/11/2027 28 Issued May 12, 2023 25,000 3.50 % (322) 5/12/2028 40 Issued May 19, 2023 25,000 3.78 % (248) 11/19/2027 35 Issued May 31, 2023 25,000 4.04 % (194) 11/30/2026 23 Issued July 26, 2023 25,000 4.18 % (150) 7/26/2028 43 Issued July 31, 2023 25,000 4.29 % (128) 1/31/2028 37 Issued August 9, 2023 25,000 4.27 % (133) 8/9/2027 31 Total $ 175,000 $ (1,509) Our derivatives are presented on a net basis taking into consideration the effects of legally enforceable master netting agreements. Additionally, collateral exchanged with counterparties is also netted against the applicable derivative fair values. We enter into derivative transactions with two primary groups, banks and our customers. Different methods are utilized for managing counterparty credit exposure and credit risk for each of these groups. The following tables present the gross amounts of these assets and liabilities with any offsets to arrive at the net amounts recognized in the Consolidated Statements of Financial Condition as of December 31, 2024 (1) (dollars in thousands). Derivative assets Gross amounts of Gross amounts offset in Net amounts of Interest rate swaps - hedging $ 1,529 (32) 1,497 Interest rate swaps - not hedging 37,697 (34,204) 3,493 Derivative liabilities Gross amounts of Gross amounts offset in Net amounts of Interest rate swaps - hedging $ 32 (32) — Interest rate swaps - not hedging 37,767 (2,362) 35,405 (1) Amounts were not meaningful in 2023.

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Pay vs Performance Disclosure
Net income	$ 100,278	$ 134,957	$ 133,666

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Dec. 31, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Insider Trading Policies and Pr

Insider Trading Policies and Procedures	12 Months Ended
	Dec. 31, 2024
Insider Trading Policies and Procedures [Line Items]
Insider Trading Policies and Procedures Adopted	true

Cybersecurity Risk Management a

Cybersecurity Risk Management and Strategy Disclosure	12 Months Ended
	Dec. 31, 2024
Cybersecurity Risk Management, Strategy, and Governance [Line Items]
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]	Our risk management program is designed to identify, assess, and mitigate risks across various aspects of the Company, including credit, market, treasury, operational, compliance, model and data, and reputational risks. Cybersecurity is a critical component of this program, given the increasing reliance on technology and potential for system failure, interruption, or a cybersecurity breach to occur, which could disrupt business operations or compromise confidential, personal, sensitive or proprietary information. Our CISO is primarily responsible for this cybersecurity component and is a key member of the organization, reporting directly to the CIO (who then reports directly to our Chief Executive Officer) and, as discussed below, periodically to the Innovation and Technology Committee, Enterprise Risk Committee and to our Board of Directors. To date, the Company has not, to its knowledge, experienced an incident materially affecting or reasonably likely to materially affect the Company. In an effort to prepare for and respond to system failures, interruptions or cybersecurity breaches, the Company has implemented a multi-layered cybersecurity program that integrates people, technology, and processes and is intended to comply with the information security standards established pursuant to the Gramm-Leach-Bliley Act (GLBA) 12 CFR 364, Appendix B. This cybersecurity program includes employee training, the use of innovative technologies, and the implementation of policies and procedures in the areas of information security, data governance, business continuity and disaster recovery, privacy, third-party risk management, and incident response. Our objective for managing cybersecurity risk is to avoid or minimize the impacts of external threat events or other efforts that penetrate, disrupt or misuse our systems or information. The cybersecurity program is built upon a foundation of advanced security technology, our internal employee team, and operations based on industry best practice and recommendations from the National Institute of Standards and Technology (NIST) Cybersecurity Maturity Framework, Federal Financial Institutions Examination Council (FFIEC) Guidelines, and Center for Internet Security (CIS) Benchmarks. This consists of controls designed to govern, identify, protect, detect, respond and recover from system failures, interruptions, and cybersecurity breaches. Our CISO and our CIO, along with key members of their teams, regularly collaborate with peer banks, industry groups, and policymakers to discuss cybersecurity trends and issues and identify best practices. The cybersecurity program is periodically reviewed by such personnel with the goal of addressing changing threats and conditions. We also employ a variety of preventative and monitoring tools designed to monitor, block, and provide alerts regarding suspicious activity including suspected. We have established processes and systems designed to mitigate cybersecurity risk, including regular and ongoing education and training for employees, preparedness simulations and tabletop exercises, and recovery and resilience tests. We engage in regular assessments of our infrastructure, software systems, and network architecture, using internal cybersecurity experts and third-party specialists. We also actively monitor our email gateways for incoming and outgoing malicious emails and monitor remote connections as a significant portion of our workforce has the option to work remotely. The Company relies on third-party vendor solutions to support its operations. Many of these their-party vendors, especially in the financial services industry, have access to confidential, personal, sensitive and proprietary information. To mitigate the cyber, privacy and other o perational risks associated with the use of third-party vendors, the Company maintains a third-party risk management program, which is implemented through a third-party risk management policy and includes a detailed onboarding process and periodic reviews of third-party vendors with access to confidential, personal, sensitive and propriety information. The third-party risk management policy applies to any business arrangement between the Company and another individual or entity, by contract or otherwise, in alignment with the Interagency Guidance on Third-Party Relationships: Risk Management. The third-party risk management program is audited periodically in accordance with our Board approved internal audit plan. We leverage internal and third-party auditors and independent third-party sources to periodically review our processes, systems, and controls related to our cybersecurity security program. This includes assessing control design and operating effectiveness and recommendations to strengthen our cybersecurity program. Regular internal monitoring is integral to the Company’s risk assessment process, which includes regular testing of internal key controls, systems, and procedures. In addition, independent third-party penetration testing of the effectiveness of security controls and preparedness measures is conducted at least annually or more often, if warranted by the risk assessment or other external factors. Management determines the scope and objectives of the penetration analysis. We maintain both an incident response plan and a crisis management plan (the “Plans”) that provide a documented framework for responding to actual or potential system failures, interruptions, or cybersecurity breaches, including timely notification of and escalation to the appropriate Board-approved management committees as discussed further below. The Plans are coordinated through the Business Resiliency Manager and Major Incident Manager, who ultimately report to the CISO and the CIO respectively, and key members of management who are embedded into the Plans by their design. The Plans facilitate coordination across multiple parts of our organization and are evaluated at least annually. Integral elements of the Plans related to the Company’s response to cybersecurity vulnerabilities include the following: • Identifying the appropriate team and any appropriate sub-teams to address specific system failures, interruptions, or cybersecurity breaches, or categories thereof. • Coordinating incident or crisis management activities, including developing, maintaining, and following appropriate procedures to respond to and document identified system failures, interruptions, or cybersecurity breaches. • Conducting post-incident reviews to gather feedback on incident response procedures and address any identified gaps in cybersecurity measures. • Providing training and conducting periodic exercises to promote employee and stakeholder preparedness and awareness of the Plans. • Reviewing the Plans at least annually, or whenever there is a material change in the Company’s business practices that may reasonably affect its incident response procedures. Not withstanding our defensive measures and processes, the threats posed by system failures, interruptions, or cybersecurity breaches are severe. For further discussion of risks from cybersecurity threats, see the section captioned “Risks Related to Operational Matters” in Item 1A. Risk Factors.
Cybersecurity Risk Management Processes Integrated [Flag]	true
Cybersecurity Risk Management Processes Integrated [Text Block]	In an effort to prepare for and respond to system failures, interruptions or cybersecurity breaches, the Company has implemented a multi-layered cybersecurity program that integrates people, technology, and processes and is intended to comply with the information security standards established pursuant to the Gramm-Leach-Bliley Act (GLBA) 12 CFR 364, Appendix B. This cybersecurity program includes employee training, the use of innovative technologies, and the implementation of policies and procedures in the areas of information security, data governance, business continuity and disaster recovery, privacy, third-party risk management, and incident response. Our objective for managing cybersecurity risk is to avoid or minimize the impacts of external threat events or other efforts that penetrate, disrupt or misuse our systems or information. The cybersecurity program is built upon a foundation of advanced security technology, our internal employee team, and operations based on industry best practice and recommendations from the National Institute of Standards and Technology (NIST) Cybersecurity Maturity Framework, Federal Financial Institutions Examination Council (FFIEC) Guidelines, and Center for Internet Security (CIS) Benchmarks. This consists of controls designed to govern, identify, protect, detect, respond and recover from system failures, interruptions, and cybersecurity breaches. Our CISO and our CIO, along with key members of their teams, regularly collaborate with peer banks, industry groups, and policymakers to discuss cybersecurity trends and issues and identify best practices. The cybersecurity program is periodically reviewed by such personnel with the goal of addressing changing threats and conditions. We also employ a variety of preventative and monitoring tools designed to monitor, block, and provide alerts regarding suspicious activity including suspected. We have established processes and systems designed to mitigate cybersecurity risk, including regular and ongoing education and training for employees, preparedness simulations and tabletop exercises, and recovery and resilience tests. We engage in regular assessments of our infrastructure, software systems, and network architecture, using internal cybersecurity experts and third-party specialists. We also actively monitor our email gateways for incoming and outgoing malicious emails and monitor remote connections as a significant portion of our workforce has the option to work remotely.
Cybersecurity Risk Management Third Party Engaged [Flag]	true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]	true
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]	false
Cybersecurity Risk Board of Directors Oversight [Text Block]	Our Board of Directors has established management committees including the Innovation and Technology Steering Committee (ITSC), which focuses on overseeing our information security and technology programs, including management’s actions to identify, assess, mitigate, and remediate or prevent material cybersecurity issues and risks, and the Operational Risk Management Committee, which focuses on the identification, monitoring, assessment, and management of risk associated with our cybersecurity program. These committees provide oversight and governance of the cybersecurity program and are chaired by the CIO and Chief Operational Risk Management Officer, respectively, and include the CISO and other key departmental managers from throughout the Company. The ITSC meets quarterly and the Operational Risk Management Committee meets at least quarterly to provide oversight of the risk management strategy, standards, policies, practices, controls, and mitigation and prevention efforts employed to manage cybersecurity risks. More frequent meetings occur from time to time in accordance with the incident response plan to facilitate timely informing and monitoring efforts. The CISO reports summaries of key issues, including significant system failures, interruptions or cybersecurity breaches, discussed at committee meetings and the actions taken to the Innovation and Technology Committee of our Board of Directors on a quarterly basis (or more frequently as may be required by the incident response plan). Additionally, the Chief Operational Risk Management Officer reports summaries of key cybersecurity risks to the Risk Committee of our Board of Directors on a quarterly basis. The Innovation and Technology Committee of our Board of Directors is responsible for overseeing our cybersecurity program, including management’s actions to identify, assess, mitigate, and remediate or prevent material cybersecurity issues and risks. Our CISO and our CIO provide quarterly reports to the Innovation and Technology Committee regarding our cybersecurity program, key enterprise cybersecurity initiatives, and other matters relating to cybersecurity processes. The Innovation and Technology Committee reviews and approves our cybersecurity and technology budgets and strategies annually. Additionally, the Risk Committee of our Board of Directors reviews key metrics summarizing our cybersecurity risk profile on a quarterly basis. The Innovation and Technology Committee and Risk Committee each provide a report of their activities to our full Board of Directors at each Board meeting. Lastly, at least annually, the CISO reports directly to our Board of Directors the overall status of the cybersecurity program and the Company’s compliance with the Interagency Guidelines for Safeguarding Customer Information. Any material findings related to the risk assessment, risk management and control decisions, service provider arrangements, results of testing, system failures, interruptions or cybersecurity breaches are discussed as are management’s responses and any recommendations for program changes.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]	The Innovation and Technology Committee of our Board of Directors is responsible for overseeing our cybersecurity program, including management’s actions to identify, assess, mitigate, and remediate or prevent material cybersecurity issues and risks.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]	Our Board of Directors has established management committees including the Innovation and Technology Steering Committee (ITSC), which focuses on overseeing our information security and technology programs, including management’s actions to identify, assess, mitigate, and remediate or prevent material cybersecurity issues and risks, and the Operational Risk Management Committee, which focuses on the identification, monitoring, assessment, and management of risk associated with our cybersecurity program. These committees provide oversight and governance of the cybersecurity program and are chaired by the CIO and Chief Operational Risk Management Officer, respectively, and include the CISO and other key departmental managers from throughout the Company. The ITSC meets quarterly and the Operational Risk Management Committee meets at least quarterly to provide oversight of the risk management strategy, standards, policies, practices, controls, and mitigation and prevention efforts employed to manage cybersecurity risks. More frequent meetings occur from time to time in accordance with the incident response plan to facilitate timely informing and monitoring efforts. The CISO reports summaries of key issues, including significant system failures, interruptions or cybersecurity breaches, discussed at committee meetings and the actions taken to the Innovation and Technology Committee of our Board of Directors on a quarterly basis (or more frequently as may be required by the incident response plan). Additionally, the Chief Operational Risk Management Officer reports summaries of key cybersecurity risks to the Risk Committee of our Board of Directors on a quarterly basis. The Innovation and Technology Committee of our Board of Directors is responsible for overseeing our cybersecurity program, including management’s actions to identify, assess, mitigate, and remediate or prevent material cybersecurity issues and risks. Our CISO and our CIO provide quarterly reports to the Innovation and Technology Committee regarding our cybersecurity program, key enterprise cybersecurity initiatives, and other matters relating to cybersecurity processes. The Innovation and Technology Committee reviews and approves our cybersecurity and technology budgets and strategies annually. Additionally, the Risk Committee of our Board of Directors reviews key metrics summarizing our cybersecurity risk profile on a quarterly basis. The Innovation and Technology Committee and Risk Committee each provide a report of their activities to our full Board of Directors at each Board meeting. Lastly, at least annually, the CISO reports directly to our Board of Directors the overall status of the cybersecurity program and the Company’s compliance with the Interagency Guidelines for Safeguarding Customer Information. Any material findings related to the risk assessment, risk management and control decisions, service provider arrangements, results of testing, system failures, interruptions or cybersecurity breaches are discussed as are management’s responses and any recommendations for program changes.
Cybersecurity Risk Role of Management [Text Block]	Our CISO is accountable for managing our enterprise cybersecurity department and delivering our cybersecurity program. The responsibilities of this department include privacy, resiliency, cybersecurity risk assessment, defense operations, incident response, vulnerability assessment, threat intelligence, identity access governance, and the evaluation of third-party risk management and business resilience as it relates to the cybersecurity program. The foregoing responsibilities are covered on a day-to-day basis by our CISO and their team. The cybersecurity department consists of cybersecurity professionals with varying degrees of education and experience. Individuals within the cybersecurity department are generally subject to professional education and certification requirements. Our CISO has substantial relevant expertise and formal training in the areas of cybersecurity risk management, including 25 years of cybersecurity experience in the financial services, retail, insurance sectors.
Cybersecurity Risk Management Positions or Committees Responsible [Flag]	true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block]	Our CISO is accountable for managing our enterprise cybersecurity department and delivering our cybersecurity program.
Cybersecurity Risk Management Expertise of Management Responsible [Text Block]	Our CISO has substantial relevant expertise and formal training in the areas of cybersecurity risk management, including 25 years of cybersecurity experience in the financial services, retail, insurance sectors.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]	These committees provide oversight and governance of the cybersecurity program and are chaired by the CIO and Chief Operational Risk Management Officer, respectively, and include the CISO and other key departmental managers from throughout the Company. The ITSC meets quarterly and the Operational Risk Management Committee meets at least quarterly to provide oversight of the risk management strategy, standards, policies, practices, controls, and mitigation and prevention efforts employed to manage cybersecurity risks. More frequent meetings occur from time to time in accordance with the incident response plan to facilitate timely informing and monitoring efforts. The CISO reports summaries of key issues, including significant system failures, interruptions or cybersecurity breaches, discussed at committee meetings and the actions taken to the Innovation and Technology Committee of our Board of Directors on a quarterly basis (or more frequently as may be required by the incident response plan). Additionally, the Chief Operational Risk Management Officer reports summaries of key cybersecurity risks to the Risk Committee of our Board of Directors on a quarterly basis. The Innovation and Technology Committee of our Board of Directors is responsible for overseeing our cybersecurity program, including management’s actions to identify, assess, mitigate, and remediate or prevent material cybersecurity issues and risks. Our CISO and our CIO provide quarterly reports to the Innovation and Technology Committee regarding our cybersecurity program, key enterprise cybersecurity initiatives, and other matters relating to cybersecurity processes. The Innovation and Technology Committee reviews and approves our cybersecurity and technology budgets and strategies annually. Additionally, the Risk Committee of our Board of Directors reviews key metrics summarizing our cybersecurity risk profile on a quarterly basis. The Innovation and Technology Committee and Risk Committee each provide a report of their activities to our full Board of Directors at each Board meeting.
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]	true

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Nature of Operations	Nature of Operations Northwest Bancshares, Inc., a Maryland corporation headquartered in Columbus, Ohio, is the b ank holding company for its wholly owned subsidiary, Northwest Bank. Northwest Bank, a Pennsylvania chartered savings bank, offers a complete line of business and personal banking products, as well as treasury management solutions and wealth management services through its 141 banking locations in Pennsylvania, New York, Ohio, and Indiana. We have determined that we have one
Principles of Consolidation	Principles of Consolidation The Consolidated Financial Statements include the accounts of the Company and its wholly owned subsidiaries after elimination of all intercompany accounts and transactions.
Cash and Cash Equivalents	Cash and Cash Equivalents For purposes of the statements of financial condition and cash flows, cash and cash equivalents include cash and amounts due from banks, interest-bearing deposits in other financial institutions, federal funds sold, and other short-term investments with original maturities of three months or less.
Marketable Securities	Marketable Securities We classify marketable securities at the time of purchase as held-to-maturity, available-for-sale, or trading. Securities for which management has the intent and ability to hold until maturity are classified as held-to-maturity and are carried at cost, adjusted for amortization of premiums and accretion of discounts on a level yield basis (amortized cost). If it is management’s intent at the time of purchase to hold securities for an indefinite period of time and/or to use such securities as part of its asset/liability management strategy, the securities are classified as available-for-sale and are carried at fair value, with unrealized gains and losses reported as accumulated other comprehensive income/(loss), a separate component of shareholders’ equity, net of tax. Securities classified as available-for-sale include securities that may be sold in response to changes in interest rates, resultant prepayment risk, or other market factors. Securities that are bought and held principally for the purpose of selling them in the near term are classified as trading and are reported at fair value, with changes in fair value included in earnings. The cost of securities sold is determined on a specific identification basis. We held no securities classified as trading at or during the years ended December 31, 2024 and 2023. Fair values are determined as described in Note 16. Throughout the year we validate the prices received from third parties by comparing them to prices provided by a different independent pricing service. We have reviewed the detailed valuation methodologies provided to us by our pricing services. On a quarterly basis, we measure expected credit losses on held-to-maturity debt securities on a collective basis by major security type and all of our held-to-maturity debt securities are residential mortgage-backed securities. Accrued interest receivable on held-to-maturity debt securities total ed $3 million at both December 31, 2024 and December 31, 2023, respectively, and is excluded from estimated credit losses. All of our r esidential mortgage-backed securities are issued by U.S. government entities and agencies. For available-for-sale debt securities in an unrealized loss position, on at least a quarterly basis, we review our investments for impairment. An investment security is deemed impaired if the fair value of the investment is less than its amortized cost. We consider both our intent to sell and the likelihood that we will not have to sell the investment securities before recovery of their amortized cost basis during our evaluation. If we intend to sell the investment security or if it is more likely than not that we will be required to sell the investment security, the entire impairment is recorded in earnings. For available-for-sale debt securities that do not meet this criteria, we evaluate whether the decline in fair value has resulted from credit losses or other factors. In making this assessment we consider the issuer of the securities and their creditworthiness, any changes to the rating of the security and any adverse conditions specifically related to the security, among other factors. Also, we may evaluate the business and financial outlook of the issuer, as well as broader economic performance indicators. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security is compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than amortized cost. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. Changes in the allowance for credit losses are recorded as provision for (or reversal of) credit loss expense. Losses are charged against the allowance when we believe the uncollectibility of an available-for-sale security is confirmed or when there is an intent or requirement to sell the security. Accrued interest receivable d $2 million at both December 31, 2024 and December 31, 2023, respectively , and is excluded from the estimate of credit losses. A debt security is placed on nonaccrual status at the time any principal or interest payments become 90 days past due. The receivable for interest income that is accrued but not collected is reversed against interest income when the debt security is placed on nonaccrual status. No debt securities were on nonaccrual status as of December 31, 2024 and December 31, 2023.
Loans Receivable	Loans Receivable Our portfolio segments are based on the class of financing receivable. Additionally, the class of financing receivables are based on several factors including the method for monitoring and assessing credit risk and the risk characteristics of the financing receivables. Based on evaluation of the nature of our financing receivables, along with the nature and extent of exposure to credit risk arising from these receivables, our portfolio segments were determined to be Personal Banking and Commercial Banking loans. • Personal Banking loans consist of the following classes of financing receivables: ◦ Residential mortgage loans - fixed and adjustable rate mortgage loans ◦ Home equity loans - first and second mortgage loans and home equity lines of credit ◦ Vehicle loans - direct and indirect automobile, motorcycle loans and recreational or power sport vehicles ◦ Consumer loans - unsecured lines of credit, credit card loans, and other consumer loans • Commercial Banking loans consist of the following classes of financing receivables: ◦ Commercial real estate - multi-family commercial real estate loans secured by multi-family residences, such as rental properties and loans secured by nonresidential properties such as hotels, commercial offices, medical buildings, manufacturing facilities and retail establishments, excluding owner-occupied loans, and including small business commercial real estate loans ◦ Commercial real estate - owner-occupied loans - commercial real estate loans secured by residential or non-residential properties ◦ Commercial loans - other commercial loans, including small business commercial loans and equipment finance loans Loans are reported at amortized cost. Amortized cost is the principal balance outstanding, net of any deferred purchase premiums an d discounts, deferred origination fees or costs and the allowance for credit losses. Accrued interest receivable totaled $40 million and $42 million at December 31, 2024 and December 31, 2023, respectively, and was reported in accrued interest receivable on the Consolidated Statements of Financial Condition. Accrued interest receivable is excluded from the amortized cost basis of loans and from the estimate of allowance for credit losses. Interest income on loans is credited to income as earned. Interest earned on loans for which no payments were received during the month is accrued at month end. Generally, accrued interest on loans more than 90 days delinquent is reversed and such loans are placed on nonaccrual status, except for credit card loans which are not placed in nonaccrual status based on delinquency. All loans are placed on nonaccrual status when principal or interest is 90 days or more delinquent or when there is reasonable doubt that interest or principal will not be collected in accordance with the contractual terms. Interest receipts on all nonaccrual loans are recognized as interest income when it has been determined that all principal and interest will be collected or are applied to principal when collectability of contractual principal is in doubt. Nonaccrual loans generally are restored to an accrual basis when principal and interest become current and a period of performance has been established in accordance with the contractual terms, typically six months. Occasionally, the Company modifies loans to borrowers in financial distress by providing principal forgiveness, term extensions, an other-than-insignificant payment delay, or interest rate reduction. When principal forgiveness is provided, the amount of forgiveness is charged off against the allowance for credit losses. Loan delinquency is measured based on the number of days since the payment due date. Past due status is measured using the loan’s contractual maturity date. Personal Banking loans are charged-off or charged down when they become 180 da ys delinquent, unless the borrower has filed for bankruptcy. Commercial Banking loans are charged-off or charged down when, in our opinion, they are no longer collectible or when it has been determined that the collateral value no longer supports the carrying value of the loan for loans that are collateral dependent. Loan fees and certain direct loan origination costs are deferred and the net deferred fee or cost is then recognized using the level-yield method over the contractual life of the loan as an adjustment to interest income. We identify certain residential mortgage loans, small business administration guaranteed loans and commercial loans which will be sold prior to maturity, as loans held-for-sale. These loans are recorded at fair value less estimated cost to sell. At December 31, 2024 and 2023, there were $76 million and $9 million of loans classified as held-for-sale, respectively. Acquired loans that are not considered purchased with credit deterioration (“PCD”) are initially measured at fair value with no carryover of the related allowance for credit losses. Determining the fair value of the loans involves estimating the amount and timing of principal and interest cash flows expected to be collected on the loans and discounting those cash flows at a market rate of interest. Acquired loans may be classified as PCD loans upon acquisition if they have experienced more than insignificant credit deterioration since origination. An allowance for credit losses on day 1 is determined using the same methodology as other loans held for investment. The initial allowance for credit losses determined on a collective basis is allocated to individual loans. The allowance is recognized on day 1 by adding it to the fair value of the loan, which is the “Day 1 amortized cost”. There is no credit loss expense recognized on PCD loans because the initial allowance is established by grossing-up the amortized cost of the PCD loan. The difference between the initial amortized cost basis and the par value of the loan is a noncredit discount or premium, which is amortized into interest income over the life of the loan. Subsequent changes to the allowance for credit losses are recorded through provision expense.
Allowance for Credit Losses and Provision for Credit Losses	Allowance for Credit Losses and Provision for Credit Losses The allowance for credit losses is deducted from, or added to, the loan’s amortized cost basis to present the net amount expected to be collected on our lending portfolios. We estimate the allowance balance using relevant available information, from internal and external sources, relating to past events, current conditions and reasonable and supportable forecasts. Loans are charged off against the allowance when we believe that a loan balance is confirmed to be uncollectible. Expected recoveries do not exceed the aggregate of amounts previously charged-off and expected to be charged-off. Expected credit losses are estimated over the contractual term of the loans, adjusted for prepayments. The contractual term includes extension or renewal option included in the contract that are outside of our control and is not unconditionally cancellable by the Company. Credit card receivables do not have stated maturities. In determining the estimated life of a credit card receivable, we first estimate the future cash flows expected to be received and then apply those expected future cash flows to the credit card balance. The allowance for credit losses is measured on a collective (“pool”) basis when similar risk characteristics exist. For the purpose of calculating portfolio-level reserves, we have grouped our loans into seven segments: residential mortgage loans, home equity loans, vehicle loans, consumer loans, commercial real estate loans, commercial real estate owner-occupied and commercial loans. The allowance for credit losses is measured at the pool level utilizing loan-level inputs wherever possible. We use a twenty-four month forecasting period and revert to historical average loss rates thereafter. The reasonable and supportable forecast is based on a probability-weighted multiple macroeconomic forecast approach and obtained from a third party vendor. Reversion to the mean takes place over a twelve-month period. Our loss rate models utilize a linear reversion method. For our probability of default (“PD”)/loss given default (“LGD”) models we revert the PD utilizing exponential reversion, which is an accelerated method, and the LGD utilizing a linear reversion method. Historical average loss rates are calculated using historica l data beginning in 2009 through the current period. As part of the analysis as of December 31, 2024, we considered the most recent macroeconomic forecasts available. Mortgage and Home Equity Loans The allowance for credit losses within the mortgage and home equity loan pools is calculated using a non-discounted cash flow method through a PD, LGD, and prepayment model developed by an external third-party and adjusted for asset specific characteristics. These classes are further divided into smaller pools of loans with similar risk characteristics such as: lines versus loans, fixed versus variable, senior lien position versus junior lien position, among other things. For each pool, the models project default rates, prepayment rates, and severity rates. The models accept as inputs key risk drivers such as: current balance, original credit bureau score, original loan-to-value ratio, type of collateral, location of collateral, delinquency status, loan age, among other characteristics. They also utilize macroeconomic forecasts of home price indices, unemployment rates, gross domestic product, and others. Vehicle Loans The allowance for credit losses within the vehicle loan pool is calculated using a non-discounted cash flow model through a PD, LGD, and prepayment model developed by an external third-party and adjusted for asset specific risk characteristics. These classes are further divided into smaller pools of loans with similar risk characteristics such as: cars, trucks and powersport vehicles and recreational vehicles. Monthly probabilities of default and prepayments are estimated for each loan, along with estimates of exposure at default and loss given default. The model accepts as inputs key risk drivers such as loan, borrower, and collateral characteristics. It also uses macroeconomic forecasts of used car price indices, gross domestic product, unemployment rates and others. Consumer Loans The allowance for credit losses within the consumer loan portfolio is calculated at the portfolio-level using a non-discounted cash flow method through a suite of loss rate models developed internally with the assistance of an external third-party. This class of financing receivables is further divided into credit cards, unsecured lines of credit and other consumer loans. The allowance for credit losses for credit cards and unsecured lines of credit is calculated using two transition matrix models to project portfolio-level net charge-off rates. Both models use current balance and delinquency status as key risk drivers. These models are not natively sensitive to macroeconomic forecasts. The necessary adjustments to account for current and expected macroeconomic conditions is captured via our qualitative adjustment framework. For other consumer loans, a regression model is used to project portfolio-level net charge-off rates. This model uses borrower information and macroeconomic forecasts as key inputs. Commercial Real Estate Loans The commercial real estate loan class is further segmented into smaller pools of loans with similar risk characteristics, commercial real estate loans and small business commercial real estate loans. The allowance for credit losses for the commercial real estate loan portfolio is calculated at the pool level using a non-discounted cash flow method through a PD/LGD model developed by an external third-party. This model projects default and severity rates. The model accepts as inputs key risk drivers such as: current balance, original loan-to-value-ratio, type of collateral, location of collateral, delinquency status, loan age, obligor financial statement information, and expected prepayment rates, among other characteristics. It also utilizes macroeconomic forecasts of commercial real estate price indices, unemployment rates, gross domestic product and others. The allowance for credit losses for commercial real estate small business portfolio is calculated at a borrower-level with a PD/LGD model. Separate models were built by industry segment. Each model was built with a logistic regression model except for the U.S. Small Business Administration (SBA) and Agriculture sub-portfolios. For SBA, a portfolio-level fractional logit model was developed; the small Agriculture segment uses a simple long-run average loss rate. The LGD model is assumption-based and assigns varying LGDs by industry segment. The models ’ overall key inputs are borrower and collateral characteristics and macroeconomic forecasts including real GDP, unemployment, home price appreciation, and real disposable personal income. Commercial Loans and Commercial Real Estate - Owner Occupied Loans The commercial loan class is further segmented into smaller pools of loans with similar risk characteristics, commercial loans and commercial small business loans, including equipment finance loans. The allowance for credit losses for the commercial loan portfolio and the commercial real estate - owner occupied loan portfolio is calculated at the pool level using a non-discounted cash flow method through a PD/LGD model developed by an external third-party. The commercial loan portfolio and the commercial real estate owner occupied loan portfolio models project default and severity rates. The model accepts as inputs key risk drivers such as the obligor financial statement information, collateral type, the obligor’s primary industry, expected prepayment rates, among other characteristics. It also utilizes macroeconomic forecasts of unemployment rates, gross domestic product, corporate bond spreads, and others. The allowance for credit losses for commercial small business loans is calculated at a borrower-level with a PD/LGD model. Separate models were built by industry segment. Each model was built with a logistic regression model except for the U.S. Small Business Administration (SBA) and Agriculture sub-portfolios. For SBA, a portfolio-level fractional logit model was developed; the small Agriculture segment uses a simple long-run average loss rate. The LGD model is assumption-based and assigns varying LGDs by industry segment. The models ’ overall key inputs are borrower and collateral characteristics and macroeconomic forecasts including real GDP, unemployment, home price appreciation, and real disposable personal income. Loans that do not share risk characteristics are evaluated on an individual basis. Loans evaluated individually are not also included in the collective evaluation. When we determine that foreclosure is probable or when the borrower is experiencing financial difficulty at the reporting date and repayment is expected to be provided substantially through the operation or sale of the collateral, expected credit losses are based on the fair value of the collateral at the reporting date, adjusted for selling costs. If this criteria is not met, a discounted cash flow method is used to determine the allowance for credit losses. All changes in the discounted cash flow method over time are reported in the allowance for credit losses. The allowance calculation is also supplemented with qualitative reserves that takes into consideration the current portfolio and specific risk characteristics, such as changes in underwriting standards, portfolio mix, delinquency level, or term, as well as changes in environmental conditions, among other factors, that have occurred but are not yet reflected in the quantitative model component. The modifications to borrowers experiencing financial distress are included in their respective portfolio segment and the current loan balance and updated loan terms are run through their respective allowance models to arrive at the quantitative portion of the allowance for credit losses. Subsequent performance of the loans will be measured by delinquency status and will be captured through our models or our qualitative factor assessment, as deemed appropriate. If we no longer believe the loan demonstrates similar risks to their respective portfolio segment, an individual assessment will be performed. Upon the Company’s determination that a modified loan (or portion of a loan) has subsequently been deemed uncollectible, the loan (or a portion of the loan) is written off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amount.
Real Estate Owned	Real Estate Owned Real estate owned is comprised of property either acquired through foreclosure or voluntarily conveyed by borrowers. These assets are recorded on the date acquired at the lower of the loan balance or fair value of the collateral, less estimated disposition costs, with the fair value being determined by an appraisal. Any initial write-down is charged to the allowance for credit losses. Subsequently, foreclosed assets are valued at the lower of the amount recorded at acquisition date or the current fair value, less estimated disposition costs. Any subsequent write-down or gains or losses realized from the disposition of such property are credited or charged to noninterest income.
Restricted Investment in FHLB Stock	Restricted Investment in FHLB Stock Federal law requires a member institution of the FHLB system to hold stock of its district FHLB according to a predetermined formula. FHLB stock is carried at cost and evaluated for impairment based on the ultimate recoverability of the par value. FHLB stock can only be purchased, redeemed and transferred at par value. Dividends are reported in interest income in the Consolidated Statements of Income.
Premises and Equipment	Premises and Equipment Premises and equipment are carried at cost, less accumulated depreciation and amortization. Depreciation is accumulated on a straight-line basis over the estimated useful lives of the related assets. Estimated lives range from three . Amortization of leasehold improvements is accumulated on a straight-line basis over the terms of the related leases or the useful lives of the related assets, whichever is shorter.
Goodwill	Goodwill Goodwill is generated from the premium paid for an acquisition and is allocated to reporting units, which are either our reportable segments or one level below. Reporting units are identified based upon analyzing each individual operating segment. A reporting unit is defined as a distinct, separately identifiable component of an operating segment for which complete, discrete financial information is available that management regularly reviews. Goodwill is not subject to amortization but is tested for impairment at least annually and possibly more frequently if certain events occur or changes in circumstances arise. In testing goodwill for impairment, we have the option to first assess qualitative factors to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying value. If, after assessing all events and circumstances, we determine it is not more likely than not that the fair value of a reporting unit is less than its carrying value, then performing the two-step impairment test would be unnecessary. However, if we conclude otherwise, it would then be required to perform the first step of the goodwill impairment test and continue to the second step, if necessary. Step 1 requires the fair value of each reporting unit be compared to its carrying amount, including goodwill. Determining the fair value of a reporting unit requires a high degree of subjective judgment, including developing cash flow projections, selecting appropriate discount rates, identifying relevant market comparables, incorporating general economic and market conditions and selecting an appropriate control premium. We have established June 30 of each year as the date for conducting our annual goodwill impairment assessment. Quarterly, we evaluate if there are any triggering events that would require an update to our previous assessment. We conducted our annual impairment assessment as o f June 30, 2024 b y first performing a qualitative assessment of goodwill to determine if it was more likely than not that the fair value was less than the carrying value. In performing a qualitative analysis, factors considered include, but are not limited to, macroeconomic conditions, industry and market conditions and overall financial performance. The results of the qualitative assessme nt for 2024 i ndicated that it was not more likely than not that the fair value of the reporting unit was less than the carrying value. Consequently, no additional quantitative impairment test was required and no impairment was recorded in 2024. Future events could cause us to conclude that goodwill has become impaired, which would result in recording an impairment loss. There were no events or changes in circumstance in our operations that would cause us to update the assessment performed as of June 30, 2024 and 2023. Accordingly, we have determined that goodwill is not impaired as of December 31, 2024 and 2023.
Core Deposit and Other Identifiable Intangibles	Core Deposit and Other Identifiable Intangibles Through the assistance of an independent third party, we analyze and prepare a core deposit study for all bank acquisitions or other identifiable intangible asset study, such as customer lists, for all non-bank acquisitions. The core deposit study reflects the cumulative present value benefit of acquiring deposits versus an alternative source of funding. The other identifiable intangible asset study reflects the cumulative present value benefit of acquiring the income stream from an existing customer base versus developing new business relationships. Based upon analysis, the amount of the premium related to the core deposits or other identifiable intangibles of the business purchased is calculated along with the estimated life of the intangible. The intangible, which is recorded in other intangible assets, is then amortized to expense on an accelerated basis over an approximate life of typically betwe en seven
Bank-Owned Life Insurance	Bank-Owned Life Insurance We own insurance on the lives of a certain group of current and former employees and directors. The policies were purchased to help offset the increase in the costs of various benefit plans, including healthcare, as well as the directors deferred compensation plan. The cash surrender value of these policies is included as an asset on the Consolidated Statements of Financial Condition and any increases in the cash surrender value are recorded as tax-free noninterest income on the Consolidated Statements of Income. In the event of the death of an insured individual covered by these policies, after distribution to the insured’s beneficiaries, if any, we receive a tax-free death benefit, which is recorded as noninterest income.
Deposits	Deposits Interest on deposits is accrued and charged to expense monthly and is paid or credited in accordance with the terms of the accounts.
Revenue Recognition	Revenue Recognition Revenue that is not associated with our financial assets and financial liabilities is recognized when performance obligations under the terms of a contract with our customers are satisfied. Revenue is measured as the amount of consideration we expect to receive in exchange for transferring goods or providing services. The majority of our revenue continues to be recognized at the point in time when the services are provided to our customers.
Pension Plans	Pension Plans We maintain multiple noncontributory defined benefit pension plans (“Pension Plan”) for certain of our employees. The net periodic pension cost has been calculated using service cost, interest cost, expected returns on plan assets and net amortization. The other components of the net periodic benefit cost are included in other expense on the Consolidated Statement of Income and are reported separately from the service costs. Pension expense and obligations depend on assumptions used in calculating such amounts. These assumptions include discount rates, anticipated salary increases, interest costs, expected return on plan assets, mortality rates, and other factors. In determining the projected benefit obligations for pension benefits at December 31, 2024 and 2023, we u sed a discount rate of 5.44% and 4.79%, respectively. We use the FTSE (previously Citigroup) Pension Liability Index rates matching the duration of our benefit payments as of the measurement date, December 31, to determine the discount rate.
Income Taxes	Income Taxes We join with our wholly owned subsidiaries in filing a consolidated federal income tax return. In accordance with an intercompany tax allocation agreement, the applicable federal income tax expense or benefit is allocated to each subsidiary based upon taxable income or loss calculated on a separate company basis. Each subsidiary is responsible for payment of its own federal income tax liability or receives reimbursement of federal income tax benefit. In addition, deferred taxes are calculated and maintained on a separate company basis.
Stock-Based Compensation	Stock-Based Compensation
Derivative Financial Instruments	Derivative Financial Instruments We recognize all derivative financial instruments as either assets or liabilities in the balance sheet and measure those instruments at fair value. The accounting for changes in the fair value of a derivative depends on the intended use of the derivative and the resulting designation. To qualify for hedge accounting rules, a hedging relationship must be highly effective in offsetting the risk designation as being hedge. The hedging relationship must be formally documented at inception and assess the hedging relationship at least on a quarterly basis to ensure the hedging instrument continues to be highly effective over the life of the hedging relationship. Those methods must be consistent with our approach to managing risk. At times, we utilize interest rate swap agreements as part of the management of interest rate risk to hedge the interest rate risk on floating rate borrowings. Amounts receivable or payable are recognized as accrued under the terms of the agreements and the differential is recorded as an adjustment to interest expense. The interest rate swaps are designated as cash flo w hedges, with the derivative’s unrealized gain or loss recorded as a component of other comprehensive income which is subsequently reclassified into earnings in the period that the hedged forecasted transaction affects earnings. A hedging relationship that is determined to not be highly effective no longer qualifies for hedge accounting and must be de-designated. Any gain or loss is recognized immediately in earnings. We act as an interest rate or foreign exchange swap counterparty for certain commercial borrowers in the normal course of servicing our customers, which are accounted for at fair value. We manage our exposure to such interest rate or foreign exchange swaps by entering into corresponding and offsetting interest rate swaps with third parties that mirror the terms of the swaps we have with the commercial borrowers. These positions (referred to as “customer swaps”) directly offset each other and our exposure is the fair value of the derivatives due to changes in credit risk of our commercial borrowers and third parties. Customer swaps are recorded within other assets or other liabilities on the consolidated statement of financial condition at their estimated fair value. Changes to the fair value of assets and liabilities arising from these derivatives are included, net, in other operating income in the Consolidated Statement of Income. We offset the fair value amounts recognized for derivative instruments and the fair value for the right to reclaim cash collateral or the obligation to return cash collateral arising from derivative instruments recognized at fair value executed with the same counterparty under a master netting arrangement.
Off-Balance-Sheet Instruments	Off-Balance-Sheet Instruments In the normal course of business, we extend credit in the form of loan commitments, undisbursed lines of credit, and standby letters of credit. These off-balance-sheet instruments involve, to various degrees, elements of credit and interest rate risk not reported in the Consolidated Statements of Financial Condition. We utilize the same underwriting standards for these instruments as other extensions of credit.
Leases	Leases At inception, the Company determines if an arrangement contains a lease and whether that lease meets the classification of a finance or operating lease. Operating lease right of use (“ROU ” ) assets represent our right to use an underlying asset during the lease term and operating lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and operating lease liabilities are recognized at lease commencement based on the present value of the remaining lease payments. ROU assets are further adjusted for lease incentives and initial direct costs. The Company has operating leases for certain branch and office facilities or land with lease terms up to 35 years. These leases generally contain renewal options for periods ranging from one . These options are included in the lease term when it is reasonably certain that the options will be exercised. Some of the Company’s lease arrangements contain lease components (e.g., minimum rent payments) and non-lease components (e.g., common area maintenance, taxes, etc.). For all leases, the Company elected the option of not separating lease and non-lease components and instead we account for them as a single lease component. Certain lease agreements include rental payments that are adjusted periodically for an index or rate. The leases are initially measured using the projected adjustment for the index or rate in effect at the commencement date. The Company’s lease agreements do not contain any material residual value guarantees or material restrictive covenants. Generally, the Company cannot practically determine the interest rate implicit in the lease. Therefore, the Company uses its incremental borrowing rate as the discount rate for the lease. The Company’s incremental borrowing rate for a lease is the rate of interest it would have to pay on a collateralized basis to borrow an amount equal to the lease payments under similar terms.
Use of Estimates	Use of Estimates The preparation of financial statements, in conformity with accounting principles generally accepted in the United States of America, requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amount of revenues and expenses during the reporting period. The estimate and assumptions that we deem important to our financial statements relate to the allowance for credit losses. This estim ate and assumptions are based on management’s best estimates and judgment and we evaluate them using historical experience and other factors, including the current economic environment. We adjust our estimates and assumptions when facts and circumstances dictate. As future events cannot be determined, actual results could differ significantly from our estimates.
Reclassification of Prior Years' Statements	Reclassification of Prior Years’ Statements
Recently Adopted Accounting Standards	Recently Adopted Accounting Standards In March 2023, the Financial Accounting Standards Board (“FASB ” ) issued Accounting Standards Update (“ASU ” ) No. 2023-02, “Investments—Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method. ” This ASU allows reporting entities to elect to account for qualifying tax equity investments using the proportional amortization method, regardless of the program giving rise to the related income tax credits. Entities must make an accounting policy election to apply the proportional amortization method on a tax credit-program-by-tax-credit-program basis. The ASU’s amendments also remove the specialized guidance for low-income-housing tax credit (“LIHTC ” ) investments that are not accounted for using the proportional amortization method and instead require that those LIHTC investments be accounted for using the guidance in other accounting standards. This guidance is effective for fiscal years beginning after December 15, 2023, with early adoption permitted. This ASU is applied on a modified retrospective or retrospective basis with the amendments to remove the specialized guidance for LIHTCs also being able to be applied on a prospective basis. This guidance was adopted on January 1, 2024 and did not have a material impact to the Company’s financial statements. In November 2023, the FASB issued ASU 2023-07, “Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures ”

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Schedule of lease, cost	The components of lease cost recognized within our Consolidated Statements of Income were as follows: For the years ended December 31, 2024 2023 2022 Operating lease costs (office operations) $ 6,902 6,529 6,201 Variable lease costs (office operations) 716 863 677 Total operating lease costs $ 7,618 7,392 6,878 Other information related to leases were as follows: For the years ended December 31, 2024 2023 Supplemental cash flow information Cash paid for amounts included in the measurement of lease liabilities: Operating cash flow from operating leases $ 6,182 5,941 ROU assets obtained in exchange for lease obligations 1,002 13,736 Weighted average remaining lease term 12.9 years 16.6 years Weighted average discount rate 4.6 % 4.2 %
Schedule of assets and liabilities, lessee	Amounts reported in the Consolidated Statements of Financial Condition were as follows: For the years ended December 31, 2024 2023 Operating leases: Operating lease ROU assets (other assets) $ 46,204 61,727 Operating lease liabilities (other liabilities) 49,973 64,723
Schedule of lessee, operating lease, liability, maturity	Maturities of lease liabilities by fiscal year for our operating leases are as follows: As of December 31, 2024 2025 $ 5,514 2026 5,458 2027 5,234 2028 5,143 2029 4,554 Thereafter 42,703 Total lease payments 68,606 Less amount of lease payments representing interest 18,633 Total present value of lease payments $ 49,973

Marketable Securities (Tables)

Marketable Securities (Tables)	12 Months Ended
	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Schedule of the portfolio of investment securities available-for-sale	Marketable securities available-for-sale at December 31, 2024 are as follows: Amortized cost Gross unrealized Gross unrealized Fair value Debt issued by the U.S. government and agencies: Due after ten years $ 45,289 — (9,898) 35,391 Debt issued by government-sponsored enterprises: Due after one year through five years 122 — (4) 118 Municipal securities: Due after one year through five years 888 10 (2) 896 Due after five years through ten years 16,662 4 (1,756) 14,910 Due after ten years 51,257 4 (8,440) 42,821 Corporate debt issues: Due after one year through five years 5,485 — (78) 5,407 Due after five years through ten years 19,944 815 (65) 20,694 Residential mortgage-backed securities: Fixed rate pass-through 237,892 106 (17,581) 220,417 Variable rate pass-through 3,738 54 (3) 3,789 Fixed rate agency CMOs 852,648 174 (132,989) 719,833 Variable rate agency CMOs 44,740 30 (102) 44,668 Total residential mortgage-backed securities 1,139,018 364 (150,675) 988,707 Total marketable securities available-for-sale $ 1,278,665 1,197 (170,918) 1,108,944 Marketable securities available-for-sale at December 31, 2023 are as follows: Amortized cost Gross unrealized Gross unrealized Fair value Debt issued by the U.S. government and agencies: Due after one year through five years $ 20,000 — (1,135) 18,865 Due after ten years 49,383 — (9,934) 39,449 Debt issued by government-sponsored enterprises: Due after one year through five years 45,986 — (5,763) 40,223 Due after five years through ten years 386 — (12) 374 Municipal securities: Due after one year through five years 4,279 22 (427) 3,874 Due after five years through ten years 20,725 — (1,437) 19,288 Due after ten years 60,762 125 (8,580) 52,307 Corporate debt issues: Due after five years through ten years 8,466 — (778) 7,688 Residential mortgage-backed securities: Fixed rate pass-through 209,069 27 (25,222) 183,874 Variable rate pass-through 7,140 11 (71) 7,080 Fixed rate agency CMOs 789,842 — (143,055) 646,787 Variable rate agency CMOs 23,965 38 (453) 23,550 Total residential mortgage-backed securities 1,030,016 76 (168,801) 861,291 Total marketable securities available-for-sale $ 1,240,003 223 (196,867) 1,043,359 The following table shows the contractual maturity of our residential mortgage-backed securities available-for-sale at December 31, 2024: Amortized cost Fair value Residential mortgage-backed securities: Due within one year $ 88 89 Due after one year through five years 10,495 10,419 Due after five years through ten years 8,508 7,591 Due after ten years 1,119,927 970,608 Total residential mortgage-backed securities $ 1,139,018 988,707
Schedule of the portfolio of investment securities held-to-maturity	Marketable securities held-to-maturity at December 31, 2024 are as follows: Amortized cost Gross unrealized Gross unrealized Fair value Debt issued by government-sponsored enterprises: Due after one year through five years $ 124,462 — (14,464) 109,998 Residential mortgage-backed securities: Fixed rate pass-through 132,816 — (20,181) 112,635 Variable rate pass-through 364 1 — 365 Fixed rate agency CMOs 492,415 — (77,989) 414,426 Variable rate agency CMOs 529 — (5) 524 Total residential mortgage-backed securities 626,124 1 (98,175) 527,950 Total marketable securities held-to-maturity $ 750,586 1 (112,639) 637,948 Marketable securities held-to-maturity at December 31, 2023 are as follows: Amortized cost Gross unrealized Gross unrealized Fair value Debt issued by the U.S. government and agencies: Due after one year through five years $ 69,471 — (8,100) 61,371 Due after five years through ten years 54,987 — (8,700) 46,287 Residential mortgage-backed securities: Fixed rate pass-through 147,874 — (20,834) 127,040 Variable rate pass-through 449 1 — 450 Fixed rate agency CMOs 541,529 — (77,694) 463,835 Variable rate agency CMOs 529 — (6) 523 Total residential mortgage-backed securities 690,381 1 (98,534) 591,848 Total marketable securities held-to-maturity $ 814,839 1 (115,334) 699,506 The following table shows the contractual maturity of our residential mortgage-backed securities held-to-maturity at December 31, 2024: Amortized cost Fair value Residential mortgage-backed securities: Due within one year $ 24 24 Due after one year through five years 19,957 18,020 Due after five years through ten years 20,184 16,510 Due after ten years 585,959 493,396 Total residential mortgage-backed securities $ 626,124 527,950
Schedule of information regarding the issuers and the carrying values of the entity's mortgage-backed securities	The following table presents information regarding the issuers and the carrying values of our residential mortgage-backed securities at December 31, 2024 and 2023: December 31, 2024 2023 Residential mortgage-backed securities: FNMA $ 443,354 568,160 GNMA 668,668 407,441 FHLMC 502,805 576,066 Other (including non-agency) 4 5 Total residential mortgage-backed securities $ 1,614,831 1,551,672
Schedule of the fair value and gross unrealized losses on investment securities, aggregated by investment category and length of time individual securities have been in a continuous unrealized loss position	The following table shows the fair value and gross unrealized losses on available for sale investment securities and held to maturity investment securities, for which an allowance for credit losses has not been recorded, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position at December 31, 2024: Less than 12 months 12 months or more Total Fair value Unrealized Fair value Unrealized Fair value Unrealized U.S. government-sponsored enterprises $ — — 145,507 (24,366) 145,507 (24,366) Corporate debt issues — — 8,335 (143) 8,335 (143) Municipal securities 15,407 (186) 39,296 (10,012) 54,703 (10,198) Residential mortgage-backed securities - agency 297,828 (3,578) 1,117,280 (245,272) 1,415,108 (248,850) Total temporarily impaired securities $ 313,235 (3,764) 1,310,418 (279,793) 1,623,653 (283,557) The following table shows the fair value and gross unrealized losses on available for sale investment securities and held to maturity investment securities, for which an allowance for credit losses has not been recorded, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position at December 31, 2023: Less than 12 months 12 months or more Total Fair value Unrealized Fair value Unrealized Fair value Unrealized U.S. government-sponsored enterprises $ — — 206,569 (33,644) 206,569 (33,644) Corporate debt issues — — 7,688 (778) 7,688 (778) Municipal securities 2,753 (81) 66,046 (10,363) 68,799 (10,444) Residential mortgage-backed securities - agency 17,976 (242) 1,423,707 (267,093) 1,441,683 (267,335) Total temporarily impaired securities $ 20,729 (323) 1,704,010 (311,878) 1,724,739 (312,201)
Schedule of debt securities, held-to-maturity, credit quality indicator	The following table presents the credit quality for our held-to-maturity securities, based on the latest information available as of December 31, 2024 (in thousands). The credit ratings are sourced from nationally recognized rating agencies, which include Moody ’ s and S&P, they are presented based on asset type. All of our held-to-maturity securities were current in their payment of principal and interest as of December 31, 2024. AA+ Total Held-to-maturity securities: Debt issued by the U.S. government-sponsored agencies $ 124,462 124,462 Residential mortgage-backed securities 626,124 626,124 Total marketable securities held-to-maturity $ 750,586 750,586

Loans Receivable (Tables)

Loans Receivable (Tables)	12 Months Ended
	Dec. 31, 2024
Receivables [Abstract]
Schedule of loans receivable	The following table shows a summary of our loans receivable at amortized cost basis at December 31, 2024 and December 31, 2023 (in thousands): December 31, 2024 December 31, 2023 Originated (1) Acquired (2) Total Originated (1) Acquired (2) Total Personal Banking: Residential mortgage loans $ 3,157,895 20,374 3,178,269 $ 3,274,531 144,886 3,419,417 Home equity loans 1,051,950 97,446 1,149,396 1,103,410 124,448 1,227,858 Vehicle loans 1,823,780 47,063 1,870,843 1,943,540 65,061 2,008,601 Consumer loans 96,906 27,336 124,242 111,446 5,980 117,426 Total Personal Banking 6,130,531 192,219 6,322,750 6,432,927 340,375 6,773,302 Commercial Banking: Commercial real estate loans 2,311,562 184,164 2,495,726 2,389,537 238,920 2,628,457 Commercial real estate loans - owner occupied 229,448 124,688 354,136 319,195 26,358 345,553 Commercial loans 2,002,625 4,777 2,007,402 1,623,481 35,248 1,658,729 Total Commercial Banking 4,543,635 313,629 4,857,264 4,332,213 300,526 4,632,739 Total loans receivable, gross 10,674,166 505,848 11,180,014 10,765,140 640,901 11,406,041 Allowance for credit losses (112,427) (4,392) (116,819) (118,079) (7,164) (125,243) Total loans receivable, net (3) $ 10,561,739 501,456 11,063,195 $ 10,647,061 633,737 11,280,798 (1) Includes originated and purchased loan pools purchased in an asset acquisition. (2) Includes loans subject to purchase accounting in a business combination. (3) Includes $60 million and $68 million of net unearned income, unamortized premiums and discounts and deferred fees and costs at December 31, 2024 and December 31, 2023, respectively.
Schedule of the changes in the allowance for losses on loans receivable	The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the year ended December 31, 2024 (in thousands): Balance as of December 31, 2024 Current Charge-offs Recoveries Balance as of December 31, 2023 Allowance for Credit Losses Personal Banking: Residential mortgage loans $ 14,347 (4,473) (845) 1,472 18,193 Home equity loans 4,845 51 (1,736) 1,127 5,403 Vehicle loans 22,389 2,509 (8,809) 1,778 26,911 Consumer loans 1,883 5,022 (5,929) 1,591 1,199 Total Personal Banking 43,464 3,109 (17,319) 5,968 51,706 Commercial Banking: Commercial real estate loans 44,328 4,902 (15,321) 3,480 51,267 Commercial real estate loans - 3,882 69 — 38 3,775 Commercial loans 25,145 19,599 (14,462) 1,513 18,495 Total Commercial Banking 73,355 24,570 (29,783) 5,031 73,537 Total $ 116,819 27,679 (47,102) 10,999 125,243 Allowance for Credit Losses - Personal Banking: Residential mortgage loans $ — (2) — — 2 Home equity loans 62 (3) — — 65 Total Personal Banking 62 (5) — — 67 Commercial Banking: Commercial real estate loans 4,154 (1,993) — — 6,147 Commercial real estate loans - 160 (13) — — 173 Commercial loans 9,573 (1,163) — — 10,736 Total Commercial Banking 13,887 (3,169) — — 17,056 Total off-balance-sheet exposure $ 13,949 (3,174) — — 17,123 The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the year ended December 31, 2023 (in thousands): Balance as of December 31, 2023 Current Charge-offs Recoveries ASU 2022-02 Adoption Balance as of December 31, 2022 Allowance for Credit Losses Personal Banking: Residential mortgage loans $ 18,193 (1,515) (1,189) 1,636 — 19,261 Home equity loans 5,403 (356) (852) 709 — 5,902 Vehicle loans 26,911 8,299 (6,468) 2,021 — 23,059 Consumer loans 1,199 5,311 (5,983) 1,206 — 665 Total Personal Banking 51,706 11,739 (14,492) 5,572 — 48,887 Commercial Banking: Commercial real estate loans 51,267 6,604 (2,298) 2,029 426 44,506 Commercial real estate loans - owner occupied 3,775 (227) (68) 66 — 4,004 Commercial loans 18,495 548 (4,166) 1,474 — 20,639 Total Commercial Banking 73,537 6,925 (6,532) 3,569 426 69,149 Total $ 125,243 18,664 (21,024) 9,141 426 118,036 Allowance for Credit Losses - Personal Banking: Residential mortgage loans $ 2 (2) — — — 4 Home equity loans 65 (9) — — — 74 Total Personal Banking 67 (11) — — — 78 Commercial Banking: Commercial real estate loans 6,147 772 — — — 5,375 Commercial real estate loans - owner occupied 173 (206) — — — 379 Commercial loans 10,736 3,655 — — — 7,081 Total Commercial Banking 17,056 4,221 — — — 12,835 Total off-balance-sheet exposure $ 17,123 4,210 — — — 12,913 The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the year ended December 31, 2022 (in thousands): Balance as of December 31, 2022 Current Charge-offs Recoveries Balance as of December 31, 2021 Allowance for Credit Losses Personal Banking: Residential mortgage loans $ 19,261 13,129 (2,033) 792 7,373 Home equity loans 5,902 540 (1,469) 1,531 5,300 Vehicle loans 23,059 8,863 (3,621) 2,334 15,483 Consumer loans 665 1,013 (4,785) 1,553 2,884 Total Personal Banking 48,887 23,545 (11,908) 6,210 31,040 Commercial Banking: Commercial real estate loans 44,506 (12,633) (7,366) 10,364 54,141 Commercial real estate loans - owner occupied 4,004 36 — 85 3,883 Commercial loans 20,639 6,912 (1,657) 2,207 13,177 Total Commercial Banking 69,149 (5,685) (9,023) 12,656 71,201 Total $ 118,036 17,860 (20,931) 18,866 102,241 Allowance for Credit Losses - Personal Banking: Residential mortgage loans $ 4 2 — — 2 Home equity loans 74 35 — — 39 Total Personal Banking 78 37 — — 41 Commercial Banking: Commercial real estate loans 5,375 4,494 — — 881 Commercial real estate loans - owner occupied 379 237 — — 142 Commercial loans 7,081 5,687 — — 1,394 Total Commercial Banking 12,835 10,418 — — 2,417 Total off-balance sheet exposure $ 12,913 10,455 — — 2,458
Schedule of loan portfolio by portfolio segment and by class of financing receivable	The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable at December 31, 2024 (in thousands): Total loans Allowance for Nonaccrual Loans 90 days past due and accruing Personal Banking: Residential mortgage loans $ 3,178,269 14,347 6,951 — Home equity loans 1,149,396 4,845 3,332 — Vehicle loans 1,870,843 22,389 4,829 — Consumer loans 124,242 1,883 199 578 Total Personal Banking 6,322,750 43,464 15,311 578 Commercial Banking: Commercial real estate loans 2,495,726 44,328 36,183 — Commercial real estate loans - owner occupied 354,136 3,882 784 — Commercial loans 2,007,402 25,145 9,123 78 Total Commercial Banking 4,857,264 73,355 46,090 78 Total $ 11,180,014 116,819 61,401 656 The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable at December 31, 2023 (in thousands): Total loans Allowance for Nonaccrual Loans 90 days past due and accruing Personal Banking: Residential mortgage loans $ 3,419,417 18,193 8,727 1,671 Home equity loans 1,227,858 5,403 4,492 26 Vehicle loans 2,008,601 26,911 4,816 44 Consumer loans 117,426 1,199 229 722 Total Personal Banking 6,773,302 51,706 18,264 2,463 Commercial Banking: Commercial real estate loans 2,628,457 51,267 71,297 225 Commercial real estate loans - owner occupied 345,553 3,775 676 — Commercial loans 1,658,729 18,495 4,147 10 Total Commercial Banking 4,632,739 73,537 76,120 235 Total $ 11,406,041 125,243 94,384 2,698
Schedule of the composition of nonaccrual loans by portfolio segment and by class of financing receivable	The following table presents the amortized cost of our loans on nonaccrual status as of the beginning and end of the year ended December 31, 2024 (in thousands): Nonaccrual December 31, 2024 Nonaccrual loans with an allowance Nonaccrual Total nonaccrual Loans 90 days Personal Banking: Residential mortgage loans $ 8,727 6,590 361 6,951 — Home equity loans 4,492 3,200 132 3,332 — Vehicle loans 4,816 3,958 871 4,829 — Consumer loans 229 198 1 199 578 Total Personal Banking 18,264 13,946 1,365 15,311 578 Commercial Banking: Commercial real estate loans 71,297 22,813 13,370 36,183 — Commercial real estate loans - owner occupied 676 784 — 784 — Commercial loans 4,147 7,471 1,652 9,123 78 Total Commercial Banking 76,120 31,068 15,022 46,090 78 Total $ 94,384 45,014 16,387 61,401 656 The following table presents the amortized cost of our loans on nonaccrual status as of the beginning and end of the year ended December 31, 2023, (in thousands): Nonaccrual loans at January 1, 2023 December 31, 2023 Nonaccrual loans with an allowance Nonaccrual loans with no allowance Total nonaccrual Loans 90 days past and accruing Personal Banking: Residential mortgage loans $ 7,574 8,304 423 8,727 1,671 Home equity loans 4,145 4,084 408 4,492 26 Vehicle loans 3,771 4,187 629 4,816 44 Consumer loans 256 229 — 229 722 Total Personal Banking 15,746 16,804 1,460 18,264 2,463 Commercial Banking: Commercial real estate loans 62,239 47,359 23,938 71,297 225 Commercial real estate loans - owner occupied 624 676 — 676 — Commercial loans 2,627 3,996 151 4,147 10 Total Commercial Banking 65,490 52,031 24,089 76,120 235 Total $ 81,236 68,835 25,549 94,384 2,698 Real estate Equipment Other Total Commercial Banking: Commercial real estate loans $ 27,907 — 339 28,246 Commercial loans — 1,651 2,204 3,855 Total Commercial Banking 27,907 1,651 2,543 32,101 Total $ 27,907 1,651 2,543 32,101 The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2023 (in thousands): Real estate Total Commercial Banking: Commercial real estate loans $ 66,934 66,934 Commercial loans 150 150 Total Commercial Banking 67,084 67,084 Total $ 67,084 67,084
Schedule of troubled debt restructurings (including re-modified TDRs) by portfolio segment and by class of financing receivable	The following table presents the amortized cost basis of loans for the periods indicated that were both experiencing financial difficulty and modified during the periods indicated, by class and by type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financial receivable is also presented below (dollars in thousands). For the year ended December 31, 2024 2023 Payment delay Term extension Interest rate reduction Combination term extension and interest rate reduction Total Payment delay Term extension Combination term extension and interest rate reduction Total Personal Banking: Residential mortgage loans $ 191 967 — — 0.04 % $ 363 499 — 0.03 % Home equity loans — 541 — 142 0.06 % — 403 84 0.04 % Consumer loans — — — 12 0.01 % — 3 — % Total Personal Banking 191 1,508 — 154 0.03 % 363 902 87 0.02 % Commercial Banking: Commercial real estate loans 268 191 — — 0.02 % — 71 — — % Commercial real estate loans - owner occupied — — 664 — 0.19 % — — % Commercial loans — 34 — 8 — % — 11 — — % Total Commercial Banking 268 225 664 8 0.02 % — 82 — — % Total $ 459 1,733 664 162 0.03 % $ 363 984 87 0.01 % The following table presents the effect of the loan modifications presented above to borrowers experiencing financial difficulty for the periods indicated : For the year ended December 31, 2024 2023 Weighted-average interest rate reduction Weighted-average term extension Payment deferral (months) Weighted-average interest rate reduction Weighted-average term extension Payment deferral (months) Personal Banking: Residential mortgage loans — 151 9 — % 142 6 Home equity loans 2 % 97 0 5 % 92 0 Consumer loans 6 % 66 0 12 % 356 0 Total Personal Banking 3 % 128 9 17 % 118 0 Commercial Banking: Commercial real estate loans — % 117 5 — % 57 0 Commercial real estate loans - owner occupied 2 % 0 0 — % 0 0 Commercial loans 4 % 31 0 — % 23 0 Total Commercial Banking 2 % 101 5 — % 52 0 Total loans 2 % 125 7 17 % 113 6 December 31, 2024 (in thousands): Current 30-59 days 60-89 days 90 days or Personal Banking: Residential mortgage loans $ 490 — 9 191 Home equity loans 152 120 — 16 Consumer loans 10 — — — Total Personal Banking 652 120 9 207 Commercial Banking: Commercial real estate loans 153 — — 268 Commercial real estate loans - owner occupied 664 — — — Commercial loans 43 — — — Total Commercial Banking 860 — — 268 Total loans $ 1,512 120 9 475 The Company closely monitors the performance of loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table presents the performance of loans that such loans have been modified since the adoption of ASU 2022-02 (in thousands): Current 30-59 days 60-89 days 90 days or Personal Banking: Residential mortgage loans $ 148 342 8 363 Home equity loans 465 23 — — Consumer loans 3 — — — Total Personal Banking 616 365 8 363 Commercial Banking: Commercial real estate loans 71 — — — Commercial loans 11 — — — Total Commercial Banking 82 — — — Total loans $ 698 365 8 363
Schedule of amortized cost basis of financing receivables that had a payment default	The following table provides the amortized cost basis of financing receivables that had a payment default during the periods indicated and were modified within the previous twelve months to borrowers experiencing financial difficulty (in thousands): For the year ended December 31, 2024 2023 Term extension Combination term extension and interest rate reduction Payment delay Personal Banking: Residential mortgage loans $ — 191 363 Home equity loans 16 — — Total Personal Banking 16 191 363 Commercial Banking: Commercial real estate loans — 268 — Total Commercial Banking — 268 — Total $ 16 459 363
Schedule of loan delinquencies	The following table provides information related to the amortized cost basis of loan payment delinquencies at December 31, 2024 (in thousands): 30-59 days 60-89 days 90 days or Total Current Total loans 90 days or Personal Banking: Residential mortgage loans $ 28,690 10,112 4,931 43,733 3,134,536 3,178,269 — Home equity loans 5,365 1,434 2,250 9,049 1,140,347 1,149,396 — Vehicle loans 10,242 3,257 3,191 16,690 1,854,153 1,870,843 — Consumer loans 860 383 776 2,019 122,223 124,242 578 Total Personal Banking 45,157 15,186 11,148 71,491 6,251,259 6,322,750 578 Commercial Banking: Commercial real estate loans 5,100 857 7,702 13,659 2,482,067 2,495,726 — Commercial real estate loans - owner occupied 115 58 — 173 353,963 354,136 — Commercial loans 5,632 1,726 7,335 14,693 1,992,709 2,007,402 78 Total Commercial Banking 10,847 2,641 15,037 28,525 4,828,739 4,857,264 78 Total loans $ 56,004 17,827 26,185 100,016 11,079,998 11,180,014 656 The following table provides information related to the amortized cost basis loan payment delinquencies at December 31, 2023 (in thousands): 30-59 days 60-89 days 90 days or Total Current Total loans 90 days or Personal Banking: Residential mortgage loans $ 30,041 7,796 7,995 45,832 3,373,585 3,419,417 1,671 Home equity loans 5,761 982 3,126 9,869 1,217,989 1,227,858 26 Vehicle loans 10,382 3,326 3,051 16,759 1,991,842 2,008,601 44 Consumer loans 829 428 927 2,184 115,242 117,426 722 Total Personal Banking 47,013 12,532 15,099 74,644 6,698,658 6,773,302 2,463 Commercial Banking: Commercial real estate loans 2,010 1,031 6,535 9,576 2,618,881 2,628,457 225 Commercial real estate loans - owner occupied 1,194 — 177 1,371 344,182 345,553 — Commercial loans 4,196 703 2,780 7,679 1,651,050 1,658,729 10 Total Commercial Banking 7,400 1,734 9,492 18,626 4,614,113 4,632,739 235 Total loans $ 54,413 14,266 24,591 93,270 11,312,771 11,406,041 2,698
Schedule of credit quality indicators	The following table presents the amortized cost basis of our loan portfolio by year of origination and credit quality indicator and the current period charge-offs by year of origination for each portfolio segment as of December 31, 2024 (in thousands): 2024 2023 2022 2021 2020 Prior Revolving loans Revolving loans converted to term loans Total loans Personal Banking: Residential mortgage loans Pass $ 28,841 194,267 628,285 745,949 466,888 1,103,217 — — 3,167,447 Substandard — 51 1,107 464 321 8,879 — — 10,822 Total residential mortgage loans 28,841 194,318 629,392 746,413 467,209 1,112,096 — — 3,178,269 Residential mortgage current period charge-offs — — (387) — (114) (344) — — (845) Home equity loans Pass 33,534 58,234 85,308 88,226 124,046 234,918 476,013 45,577 1,145,856 Substandard — — 174 91 52 1,352 1,080 791 3,540 Total home equity loans 33,534 58,234 85,482 88,317 124,098 236,270 477,093 46,368 1,149,396 Home equity current period charge-offs — — (40) (2) (197) (558) (608) (331) (1,736) Vehicle loans Pass 616,515 452,912 443,997 228,309 64,332 59,950 — — 1,866,015 Substandard 272 1,472 1,342 1,129 223 390 — — 4,828 Total vehicle loans 616,787 454,384 445,339 229,438 64,555 60,340 — — 1,870,843 Vehicle current period charge-offs (454) (2,197) (2,626) (2,087) (414) (1,031) — — (8,809) Consumer loans Pass 27,363 14,779 6,330 2,707 735 5,914 65,055 581 123,464 Substandard 36 59 24 — 7 1 578 73 778 Total consumer loans 27,399 14,838 6,354 2,707 742 5,915 65,633 654 124,242 Consumer loan current period charge-offs (1,106) (2,015) (678) (285) (116) (1,044) (651) (34) (5,929) Total Personal Banking 706,561 721,774 1,166,567 1,066,875 656,604 1,414,621 542,726 47,022 6,322,750 Commercial Banking: Commercial real estate loans Pass 189,670 252,202 430,653 258,681 286,457 803,111 26,690 23,578 2,271,042 Special Mention — 4,877 19,030 18,533 14,383 5,654 237 — 62,714 Substandard — 2,273 11,137 48,539 19,356 80,417 175 73 161,970 Total commercial real estate loans 189,670 259,352 460,820 325,753 320,196 889,182 27,102 23,651 2,495,726 Commercial real estate current period (102) (686) (2,522) (360) (619) (11,032) — — (15,321) Commercial real estate loans - Pass 53,831 14,252 32,095 46,911 11,933 141,211 640 — 300,873 Special Mention — 1,166 2,231 93 — 5,165 1,232 — 9,887 Substandard — 12,572 5,733 — 2,956 18,695 751 2,669 43,376 Total commercial real estate loans - 53,831 27,990 40,059 47,004 14,889 165,071 2,623 2,669 354,136 Commercial real estate - owner occupied current period charge-offs — — — — — — — — — Commercial loans Pass 729,863 353,568 262,498 29,806 12,633 56,300 475,333 3,381 1,923,382 Special Mention — 3,914 3,898 627 479 7 28,127 11 37,063 Substandard 7,133 21,606 4,669 1,063 89 1,761 8,847 1,789 46,957 Total commercial loans 736,996 379,088 271,065 31,496 13,201 58,068 512,307 5,181 2,007,402 Commercial loans current period (1,456) (6,752) (4,301) (235) (522) (916) (212) (68) (14,462) Total Commercial Banking 980,497 666,430 771,944 404,253 348,286 1,112,321 542,032 31,501 4,857,264 Total loans $ 1,687,058 1,388,204 1,938,511 1,471,128 1,004,890 2,526,942 1,084,758 78,523 11,180,014 The following table summarizes amortized cost basis loan balances by year of origination, class of loans, and risk category as of December 31, 2023 (in thousands): 2023 2022 2021 2020 2019 Prior Revolving loans Revolving loans converted to term loans Total loans receivable Personal Banking: Residential mortgage loans Pass $ 177,313 665,379 792,488 506,068 244,678 1,019,152 — — 3,405,078 Substandard — 1,581 — 1,252 311 11,195 — — 14,339 Total residential mortgage loans 177,313 666,960 792,488 507,320 244,989 1,030,347 — — 3,419,417 Residential mortgage current period charge-offs — (9) (5) (130) (23) (1,022) — — (1,189) Home equity loans Pass 71,497 100,639 106,043 146,121 94,144 197,259 463,868 43,526 1,223,097 Substandard — 236 54 197 35 1,733 1,447 1,059 4,761 Total home equity loans 71,497 100,875 106,097 146,318 94,179 198,992 465,315 44,585 1,227,858 Home equity current period charge-offs — (53) (46) — (48) (352) (144) (209) (852) Vehicle loans Pass 664,876 682,275 397,809 132,775 67,853 58,153 — — 2,003,741 Substandard 646 1,418 1,453 299 556 488 — — 4,860 Total vehicle loans 665,522 683,693 399,262 133,074 68,409 58,641 — — 2,008,601 Vehicle current period charge-offs (678) (1,844) (1,967) (475) (652) (852) — — (6,468) Consumer loans Pass 24,277 11,582 5,552 2,072 1,355 6,603 64,214 820 116,475 Substandard 55 43 19 6 6 46 726 50 951 Total consumer loans 24,332 11,625 5,571 2,078 1,361 6,649 64,940 870 117,426 Consumer loan current period charge-offs (3,412) (511) (390) (157) (177) (981) (317) (38) (5,983) Total Personal Banking 938,664 1,463,153 1,303,418 788,790 408,938 1,294,629 530,255 45,455 6,773,302 Commercial Banking: Commercial real estate loans Pass 223,335 470,762 303,873 332,620 228,382 745,244 27,583 24,804 2,356,603 Special Mention 2,819 24,735 27,871 5,365 4,053 38,665 711 — 104,219 Substandard 1,920 750 26,850 18,167 37,044 82,717 79 108 167,635 Total commercial real estate loans 228,074 496,247 358,594 356,152 269,479 866,626 28,373 24,912 2,628,457 Commercial real estate current period charge-offs (14) — (492) — (51) (1,741) — — (2,298) Commercial real estate loans - owner occupied Pass 24,725 51,986 47,655 15,984 28,614 140,175 2,378 2,390 313,907 Special Mention 1,221 120 1,218 — 14,386 2,952 — — 19,897 Substandard — — 118 1,666 4,646 4,641 — 678 11,749 Total commercial real estate loans - owner occupied 25,946 52,106 48,991 17,650 47,646 147,768 2,378 3,068 345,553 Commercial real estate - owner occupied current period charge-offs — — — — — (68) — — (68) Commercial loans Pass 482,605 430,378 73,469 26,868 34,090 54,617 531,742 4,110 1,637,879 Special Mention 508 3,671 52 299 240 26 1,882 — 6,678 Substandard — 3,015 872 356 2,361 840 4,729 1,999 14,172 Total commercial loans 483,113 437,064 74,393 27,523 36,691 55,483 538,353 6,109 1,658,729 Commercial loans current period (35) (2,072) (517) (430) (205) (845) (60) (2) (4,166) Total Commercial Banking 737,133 985,417 481,978 401,325 353,816 1,069,877 569,104 34,089 4,632,739 Total loans $ 1,675,797 2,448,570 1,785,396 1,190,115 762,754 2,364,506 1,099,359 79,544 11,406,041
Schedule of financial instruments with off-balance-sheet risk	Financial instruments with off-balance-sheet risk as of December 31, 2024 and 2023 are presented in the following table (in thousands): Years ended December 31, 2024 2023 Loans commitments $ 190,094 198,166 Undisbursed lines of credit 1,258,492 1,185,709 Standby letters of credit 57,923 46,900 Total $ 1,506,509 1,430,775
Schedule of changes in mortgage servicing rights	The following table shows changes in MSRs as of and for the years ended December 31, 2024 and 2023: Servicing rights Valuation allowance Net carrying Balance at December 31, 2022 $ 7,802 (7) 7,795 Additions 788 (1) 787 MSR sale (5,930) — (5,930) Amortization (1,551) — (1,551) Balance at December 31, 2023 1,109 (8) 1,101 Additions 558 6 564 Amortization (433) — (433) Balance at December 31, 2024 $ 1,234 (2) 1,232

Accrued Interest Receivable (Ta

Accrued Interest Receivable (Tables)	12 Months Ended
	Dec. 31, 2024
Interest Receivable and Other Assets [Abstract]
Schedule of accrued interest receivable	Accrued interest receivable as of December 31, 2024 and 2023 is presented in the following table: December 31, 2024 2023 Investment securities $ 1,796 1,795 FHLB dividends 392 637 Mortgage-backed securities 3,741 2,743 Loans receivable 40,427 42,178 Total $ 46,356 47,353

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2024
Property, Plant and Equipment [Abstract]
Schedule of premises and equipment	Premises and equipment at December 31, 2024 and 2023 are summarized by major classification in the following table: December 31, 2024 2023 Land and land improvements $ 22,072 23,905 Office buildings and improvements 124,797 140,443 Furniture, fixtures and equipment 137,404 133,513 Leasehold improvements 26,984 23,547 Total, at cost 311,257 321,408 Less accumulated depreciation and amortization (187,011) (182,570) Premises and equipment, net $ 124,246 138,838

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of intangible assets subject to amortization	The following table provides information for intangible assets subject to amortization for the years ended December 31, 2024 and 2023: December 31, 2024 2023 Amortizable intangible assets: Core deposit intangibles - gross $ 74,899 74,899 Less: accumulated amortization (72,062) (69,609) Core deposit intangibles - net $ 2,837 5,290 Total intangible assets - net $ 2,837 5,290
Schedule of the actual aggregate amortization expense as well as estimated aggregate amortization expense, based upon current levels of intangible assets	The following information shows the actual aggregate amortization expense for the years ended December 31, 2024, 2023 and 2022 as well as the estimated aggregate amortization expense, based upon current levels of intangible assets, for each of the five succeeding fiscal years: For the year ended December 31, 2022 $ 4,277 For the year ended December 31, 2023 3,270 For the year ended December 31, 2024 2,452 For the year ending December 31, 2025 1,662 For the year ending December 31, 2026 871 For the year ending December 31, 2027 304
Schedule of the changes in carrying amount of goodwill	The following table provides information for the changes in the carrying amount of goodwill: Total Balance at December 31, 2023 $ 380,997 Balance at December 31, 2024 $ 380,997

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2024
Deposits [Abstract]
Schedule of deposit balances	Deposit balances at December 31, 2024 and 2023 are shown in the table below: December 31, 2024 2023 Noninterest-bearing demand deposits $ 2,621,415 2,669,023 Interest-bearing demand deposits 2,666,504 2,634,546 Money market deposit accounts 2,007,739 1,968,218 Savings deposits 2,171,251 2,105,234 Time deposits (1) 2,677,645 2,602,881 Total deposits $ 12,144,554 11,979,902 (1) Includes $201 million and $484 million of brokered deposits at December 31, 2024 and 2023.
Summarizes the contractual maturity of the certificate accounts	The following table summarizes the contractual maturity of time deposits at December 31, 2024 and 2023: December 31, 2024 2023 Due within 12 months $ 2,547,129 2,464,022 Due between 12 and 24 months 86,594 70,679 Due between 24 and 36 months 23,133 27,550 Due between 36 and 48 months 11,592 23,590 Due between 48 and 60 months 7,395 13,997 After 60 months 1,802 3,043 Total time deposits $ 2,677,645 2,602,881
Summarizes the interest expense incurred on the deposits	The following table summarizes the interest expense incurred on the respective deposits for the years ended December 31, 2024, 2023 and 2022: Years ended December 31, 2024 2023 2022 Interest-bearing demand deposits $ 27,394 11,606 1,517 Money market deposit accounts 34,563 24,734 3,381 Savings deposits 24,222 8,822 2,339 Time deposits (1) 119,313 60,181 6,883 Total interest expense on deposits $ 205,492 105,343 14,120 (1) Includes $18 million, $8 million, and $0 of interest expense on brokered deposits at December 31, 2024, 2023, and 2022.

Borrowed Funds (Tables)

Borrowed Funds (Tables)	12 Months Ended
	Dec. 31, 2024
Debt Disclosure [Abstract]
Schedule of borrowed funds	Borrowed funds at December 31, 2024 and 2023 are presented in the following table: At December 31, 2024 2023 Amount Average rate Amount Average rate Term notes payable to the FHLB of Pittsburgh, due within one year $ 175,000 4.64 % $ 175,000 5.71 % Notes payable to the FHLB of Pittsburgh, due within one year — — % 163,500 5.70 % Collateralized borrowings, due within one year 22,323 1.73 % 35,495 1.72 % Collateral received, due within one year 3,008 4.65 % 24,900 5.26 % Total borrowed funds $ 200,331 $ 398,895
Schedule of capital debt securities and junior subordinated deferrable interest debentures	The following table sets forth a summary of the cumulative trust preferred securities and the junior subordinated debt held by the Trust as of December 31, 2024 and 2023. Maturity date Interest rate Capital debt December 31, 2024 2023 Northwest Bancorp Capital Trust III December 30, 2035 3-month SOFR plus 1.38% $ 50,000 51,547 51,547 Northwest Bancorp Statutory Trust IV December 15, 2035 3-month SOFR plus 1.38% 50,000 51,547 51,547 LNB Trust II June 15, 2037 3-month SOFR plus 1.48% 7,875 8,119 8,119 Union National Capital Trust I (1) January 23, 2034 3-month SOFR plus 2.85% 8,000 8,024 7,999 Union National Capital Trust II (1) November 23, 2034 3-month SOFR plus 2.00% 3,000 2,823 2,796 MFBC Statutory Trust I (1) September 15, 2035 3-month SOFR plus 1.70% 5,000 3,891 3,788 Universal Preferred Trust (1) October 7, 2035 3-month SOFR plus 1.69% 5,000 3,883 3,778 $ 128,875 129,834 129,574

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Schedule of allocation of income tax	Total income tax was allocated for the years ended December 31, 2024, 2023 and 2022 as follows: Years ended December 31, 2024 2023 2022 Income tax expense $ 29,268 40,121 40,026 Shareholders’ equity for unrealized gain/(loss) on securities available-for-sale 6,513 3,429 (45,321) Shareholders’ equity for pension adjustment 6,304 3,354 6,980 Shareholders’ equity for swap fair value adjustment 448 (110) — Unallocated income tax $ 42,533 46,794 1,685
Schedule of income tax expense (benefit) applicable to income before taxes	Income tax expense applicable to income before taxes consists of: Years ended December 31, 2024 2023 2022 Current tax provision/(benefit): Federal $ 20,022 36,599 36,235 State 6,443 8,442 9,295 Total current tax provision/(benefit) 26,465 45,041 45,530 Deferred tax provision/(benefit): Federal 2,315 (5,267) (5,325) State 488 347 (179) Total deferred tax provision/(benefit) 2,803 (4,920) (5,504) Total income tax expense $ 29,268 40,121 40,026
Schedule of reconciliation of the expected federal statutory rate to the effective rate	A reconciliation of the expected federal statutory income tax rate to the effective rate, expressed as a percentage of pretax income for the years ended December 31, 2024, 2023 and 2022, is as follows: Years ended December 31, 2024 2023 2022 Expected tax rate 21.0 % 21.0 % 21.0 % Tax-exempt interest income (1.8) % (1.2) % (1.1) % State income tax, net of federal benefit 4.3 % 4.0 % 4.0 % Bank-owned life insurance (1.0) % (1.0) % (0.9) % Stock-based compensation — % — % 0.1 % Dividends on stock plans (0.5) % (0.4) % (0.5) % Low income housing and historic tax credits — % — % (0.2) % Other 0.6 % 0.5 % 0.6 % Effective tax rate 22.6 % 22.9 % 23.0 %
Schedule of tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2024 and 2023 are presented below: December 31, 2024 2023 Deferred tax assets: Deferred compensation expense $ 3,761 5,001 Bad debts 26,497 28,483 Other reserves 3,909 4,511 Accrued post-retirement benefit cost 576 477 Stock benefit plans 1,950 1,134 Unrealized loss on the fair value of securities available-for-sale 39,473 45,985 Deferred income 579 35 Lease liability 11,253 14,593 Purchase accounting 816 698 Net operating loss 534 1,058 Other 1,470 2,431 Total deferred tax assets 90,818 104,406 Deferred tax liabilities: Pension expense 7,243 6,543 Intangible assets 18,858 18,041 Mortgage servicing rights 465 242 Fixed assets 3,891 5,567 Net deferred loan costs 2,213 2,412 Right of use asset 10,404 13,917 Pension and post-retirement benefits 6,890 587 Interest rate derivatives 396 134 Other 1,950 2,388 Total deferred tax liabilities 52,310 49,831 Net deferred tax asset $ 38,508 54,575
Schedule of unrecognized tax benefits	The following table presents changes in unrecognized tax benefits at December 31, 2024, 2023 and 2022: Year ended December 31, 2024 2023 2022 Unrecognized tax benefits: Balance, beginning of year $ 1,080 473 241 Increases related to prior year tax positions 104 623 252 Decreases related to prior year tax positions (92) (74) (28) Increases related to current year tax positions 32 58 8 Balance, end of year $ 1,124 1,080 473

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2024
Earnings Per Share [Abstract]
Schedule of computation of basic and diluted earnings per share	The following table sets forth the computation of basic and diluted earnings per share for the years ended December 31, 2024, 2023 and 2022. Years ended December 31, 2024 2023 2022 Numerator for earnings per share - Basic and Diluted: Net income - treasury stock method - Basic and Diluted $ 100,278 134,957 133,666 Less: Dividends and undistributed earnings allocated to participating securities 125 339 585 Net income available to common shareholders - two class method - Basic and Diluted $ 100,153 134,618 133,081 Denominator for earnings per share - treasury stock method - Basic and Diluted Weighted average common shares outstanding - Basic 127,085,446 126,668,671 126,167,892 Add: Potentially dilutive shares 614,055 421,670 274,509 Denominator for treasury stock method - Diluted 127,699,501 127,090,341 126,442,401 Denominator for earnings per share - two class method - Basic and Diluted: Weighted average common shares outstanding - Basic 127,085,446 126,668,671 126,167,892 Add: Average participating shares outstanding 158,719 319,501 556,201 Denominator for two class method - Diluted 127,244,165 126,988,172 126,724,093 Basic earnings per share $ 0.79 1.06 1.05 Diluted earnings per share $ 0.79 1.06 1.05 Anti-dilutive awards (1) 2,128 2,814 1,951 (1) Reflects the total number of shares related to outstanding options that have been excluded from the computation of diluted earnings per share because the impact would have been anti-dilutive.

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2024
Retirement Benefits [Abstract]
Schedule of net periodic costs for the defined benefit pension plans and the post retirement healthcare plans	The following table sets forth components of net periodic pension cost and other amounts recognized in other comprehensive income for the years ended December 31, 2024, 2023 and 2022. Years ended December 31, 2024 2023 2022 Defined benefit pension plan: Service cost $ 5,701 6,241 10,396 Interest cost 8,821 9,009 6,683 Expected return on plan assets (15,102) (13,915) (15,454) Amortization of prior service cost (2,254) (2,254) (2,257) Amortization of the net loss 71 (219) 1,525 Net periodic pension cost, defined benefit pension plans (2,763) (1,138) 893 Other changes in defined benefit pension plan recognized in other comprehensive income: Net gain (25,118) (14,066) (28,222) Amortization of prior service cost 2,254 2,254 2,257 Total recognized in other comprehensive income (22,864) (11,812) (25,965) Total recognized in net periodic pension cost and other comprehensive income $ (25,627) (12,950) (25,072)
Schedule of other changes in the defined benefit pension plans' plan assets and benefit obligations recognized in other comprehensive income	The following table sets forth components of net periodic pension cost and other amounts recognized in other comprehensive income for the years ended December 31, 2024, 2023 and 2022. Years ended December 31, 2024 2023 2022 Defined benefit pension plan: Service cost $ 5,701 6,241 10,396 Interest cost 8,821 9,009 6,683 Expected return on plan assets (15,102) (13,915) (15,454) Amortization of prior service cost (2,254) (2,254) (2,257) Amortization of the net loss 71 (219) 1,525 Net periodic pension cost, defined benefit pension plans (2,763) (1,138) 893 Other changes in defined benefit pension plan recognized in other comprehensive income: Net gain (25,118) (14,066) (28,222) Amortization of prior service cost 2,254 2,254 2,257 Total recognized in other comprehensive income (22,864) (11,812) (25,965) Total recognized in net periodic pension cost and other comprehensive income $ (25,627) (12,950) (25,072)
Schedule of defined benefit pension plans' funded status	The following table sets forth information for the defined benefit pension plans’ funded status at December 31, 2024 and 2023: December 31, 2024 2023 Change in benefit obligation: Benefit obligation at beginning of year $ 185,196 184,759 Service cost 5,701 6,241 Interest cost 8,821 9,009 Actuarial gain (19,318) 935 Benefits paid (18,207) (15,748) Benefit obligation at end of year 162,193 185,196 Change in plan assets: Fair value of plan assets at beginning of year 216,596 202,791 Actual return on plan assets 20,832 29,135 Employer contributions 383 418 Benefits paid (18,207) (15,748) Fair value of plan assets at end of period 219,604 216,596 Funded status at end of year $ 57,411 31,400
Schedule of assumptions used to develop the net periodic pension cost	The following table sets forth the assumptions used to develop the net periodic pension cost: Years ended December 31, 2024 2023 2022 Discount rate 4.79 % 4.99 % 2.75 % Expected long-term rate of return on assets 7.00 % 7.00 % 6.50 % Rate of increase in compensation levels 3.00 % 3.00 % 3.00 %
Schedule of assumptions used to determine benefit obligations	The following table sets forth the assumptions used to determine benefit obligations at the end of each period: Years ended December 31, 2024 2023 2022 Discount rate 5.44 % 4.79 % 4.99 % Expected long-term rate of return on assets 5.50 % 7.00 % 6.50 % Rate of increase in compensation levels 3.00 % 3.00 % 3.00 %
Schedule of certain information related to pension plans	The following table sets forth certain information related to our pension plans: December 31, 2024 2023 Projected benefit obligation $ 162,193 185,196 Accumulated benefit obligation 162,193 185,196 Fair value of plan assets 219,604 216,596
Schedule of weighted average asset allocation of defined benefit plans	The following table sets forth the weighted average asset allocation of defined benefit plans: December 31, Target allocation 2024 2023 Equity securities 20 – 35% 30 % 69 % Debt securities 50 – 80% 64 % 25 % Other 0 – 10% 6 % 6 % Total 100 % 100 %
Schedule of allocation of plan assets	The following table sets forth the pension plan assets as of December 31, 2024 and 2023. December 31, 2024 2023 Defined benefit pension assets: Common stock $ 17,320 71,192 Mutual funds 190,249 131,921 Money market funds 2,873 2,150 Other 9,162 11,333 Total defined benefit pension plan assets (1) $ 219,604 216,596 (1) The defined benefit pension plan statement of net assets also includes accrued interest and dividends resulting in net assets available for benefits of $220.0 million and $217 million, respectfully.
Schedule of share-based grants	During the years ended December 31, 2022, December 31, 2023 and December 31, 2024, we granted the following awards (amounts in this table are not in thousands) : Year-ended Grant date Award to Shares Grant type Weighted average grant date fair value Total Vesting period (years) December 31, 2022 5/18/2022 Employees 150,027 RSU $ 11.00 1.7 million 3 5/18/2022 Employees 150,027 PSU 10.26 1.5 million 3 5/18/2022 Directors 41,206 RSA 12.55 517,000 1 Various Employees 13,115 RSU 12.69 166,000 3 December 31, 2023 3/15/2023 Employees 176,623 RSU 11.28 2.0 million 3 3/15/2023 Employees 176,623 PSU 10.54 1.9 million 3 3/15/2023 Directors 33,048 RSA 12.80 423,000 1 3/27/2023 Employees 80,980 RSU 11.20 907,000 2 Various Employees 128,148 RSU 10.30 1.3 million 3 December 31, 2024 3/20/2024 Employees 307,775 RSU 9.79 3.0 million 3 3/20/2024 Employees 324,124 PSU 9.07 2.9 million 3 3/20/2024 Directors 41,560 RSA 11.31 470,000 1 Various Employees 266,106 RSU 10.86 2.9 million 3 to 4
Schedule of activity under option plans	The following table summarizes the activity in our option plans during the years ended December 31, 2024, December 31, 2023 and December 31, 2022 (amounts in this table are not in thousands): Years ended December 31, 2024 2023 2022 Number Weighted average Number Weighted average Number Weighted average Balance at beginning of year 3,209,005 $ 14.36 3,657,580 $ 14.25 4,380,310 $ 14.05 Exercised (1) (199,058) 12.29 (63,315) 11.46 (465,920) 12.14 Forfeited/expired (404,080) 13.73 (385,260) 13.80 (256,810) 14.64 Balance at end of year 2,605,867 15.28 3,209,005 14.36 3,657,580 14.25 Exercisable at end of year 2,355,318 16.17 2,601,367 14.52 2,556,235 14.43 (1) The total intrinsic value of options exercised was $390,000, $115,000 and $839,000, respectively.
Schedule of number of options outstanding, number of options exercisable, and weighted average remaining life of all option grants	The following table summarizes the number of options outstanding, number of options exercisable, and weighted average remaining life of all option grants as of December 31, 2024 (amounts in this table are not in thousands): Exercise price Exercise price Exercise price Exercise price $9.71 $12.37 $13.68 $14.15 Options outstanding: Number of options 325,075 151,948 470,042 297,819 Weighted average remaining contract life (years) 5.4 0.4 6.4 1.4 Options exercisable: Number of options 247,401 151,948 394,884 278,402 Weighted average remaining term - vested (years) 4.6 9.6 3.6 8.6 Exercise price Exercise price Exercise price Exercise price $15.57 $16.59 $17.27 $14.25 Options outstanding: Number of options 419,582 543,519 395,942 2,605,867 Weighted average remaining contract life (years) 2.4 3.4 4.4 3.8 Options exercisable: Number of options 373,022 543,519 364,202 2,355,318 Weighted average remaining term - vested (years) 7.6 6.6 5.6 2.6

Disclosures About Fair Value _2

Disclosures About Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2024
Fair Value Disclosures [Abstract]
Schedule of the carrying amount and estimated fair value of the entity's financial instruments included in the consolidated statement of financial condition	The following table sets forth the carrying amount and estimated fair value of our financial instruments included in the Consolidated Statement of Financial Condition at December 31, 2024 and 2023: December 31, 2024 Carrying amount Estimated fair value Level 1 Level 2 Level 3 Netting Adjustments (1) Financial assets: Cash and cash equivalents $ 288,378 288,378 288,378 — — — Securities available-for-sale 1,108,944 1,108,944 — 1,108,944 — — Securities held-to-maturity 750,586 637,948 — 637,948 — — Loans receivable, net 11,063,195 10,431,355 — — 10,431,355 — Loans held-for-sale 76,331 76,331 — 68,620 7,711 — Accrued interest receivable 46,356 46,356 46,356 — — — Interest rate lock commitments 342 342 — — 342 — Forward commitments 34 34 — 34 — — Foreign exchange swaps 199 199 — 199 — — Interest rate swaps designated as hedging instruments 1,497 1,497 — 1,529 — (32) Interest rate swaps not designated as hedging instruments 3,493 3,493 — 37,697 — (34,204) FHLB stock 21,006 21,006 — — — — Total financial assets $ 13,360,361 12,615,883 334,734 1,854,971 10,439,408 (34,236) Financial liabilities: Savings and checking deposits $ 9,466,909 9,466,909 9,466,909 — — — Time deposits 2,677,645 2,677,070 — — 2,677,070 — Borrowed funds 200,331 196,277 228,119 — — (31,842) Subordinated debt 114,538 115,982 — 115,982 — — Junior subordinated debentures 129,834 128,122 — — 128,122 — Foreign exchange swaps 4 4 — 4 — — Interest rate swaps designated as hedging instruments — — — 32 — (32) Interest rate swaps not designated as hedging instruments 35,405 35,405 — 37,767 — (2,362) Risk participation agreements 16 16 — 16 — — Accrued interest payable 6,935 6,935 6,935 — — — Total financial liabilities $ 12,631,617 12,626,720 9,701,963 153,801 2,805,192 (34,236) (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties. December 31, 2023 Carrying amount Estimated fair value Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 122,260 122,260 122,260 — — Securities available-for-sale 1,043,359 1,043,359 — 1,043,359 — Securities held-to-maturity 814,839 699,506 — 699,506 — Loans receivable, net 11,280,798 10,274,593 — — 10,274,593 Loans held-for-sale 8,768 8,768 — — 8,768 Accrued interest receivable 47,353 47,353 47,353 — — Interest rate lock commitments 641 641 — — 641 Forward commitments 12 12 — 12 — Interest rate swaps designated as hedging instruments 713 713 — 713 — Interest rate swaps not designated as hedging instruments 41,406 41,406 — 41,406 — FHLB stock 30,146 30,146 — — — Total financial assets $ 13,390,295 12,268,757 169,613 1,784,996 10,284,002 Financial liabilities: Savings and checking accounts $ 9,377,021 9,377,021 9,377,021 — — Time deposits 2,602,881 2,113,177 — — 2,113,177 Borrowed funds 398,895 386,446 386,446 — — Subordinated debt 114,189 109,471 — 109,471 — Junior subordinated debentures 129,574 112,159 — — 112,159 Foreign exchange swaps 291 291 — 291 — Interest rate swaps designated as hedging instruments 1,198 1,198 — 1,198 — Interest rate swaps not designated as hedging instruments 41,437 41,437 — 41,437 — Risk participation agreements 14 14 — 14 — Accrued interest payable 13,669 13,669 13,669 — — Total financial liabilities $ 12,679,169 12,154,883 9,777,136 152,411 2,225,336
Schedule of assets and liabilities measured at fair value on a recurring basis	The following table represents assets and liabilities measured at fair value on a recurring basis as of December 31, 2024: Level 1 Level 2 Level 3 Netting Adjustments (1) Total at Debt securities: U.S. government and agencies $ — 35,391 — — 35,391 Government sponsored enterprises — 118 — — 118 States and political subdivisions — 58,627 — — 58,627 Corporate — 26,101 — — 26,101 Total debt securities — 120,237 — — 120,237 Residential mortgage-backed securities: GNMA — 50,149 — — 50,149 FNMA — 84,212 — — 84,212 FHLMC — 89,840 — — 89,840 Non-agency — 5 — — 5 Collateralized mortgage obligations: GNMA — 562,948 — — 562,948 FNMA — 74,395 — — 74,395 FHLMC — 127,158 — — 127,158 Total mortgage-backed securities — 988,707 — — 988,707 Interest rate lock commitments — — 342 — 342 Forward commitments — 34 — — 34 Foreign exchange swaps — 199 — — 199 Interest rate swaps designated as hedging instruments — 1,529 — (32) 1,497 Interest rate swaps not designated as hedging instruments — 37,697 — (34,204) 3,493 Total assets $ — 1,148,403 342 (34,236) 1,114,509 Foreign exchange swaps $ — 4 — — 4 Interest rate swaps designated as hedging instruments — 32 — (32) — Interest rate swaps not designated as hedging instruments — 37,767 — (2,362) 35,405 Risk participation agreements — 16 — — 16 Total liabilities $ — 37,819 — (2,362) 35,425 (1) Amounts represent the impact of legally enforceable master netting agreements that allow the Company to settle positive and negative positions and cash collateral held or placed with the same counterparties. The following table represents assets and liabilities measured at fair value on a recurring basis as of December 31, 2023: Level 1 Level 2 Level 3 Total at Debt securities: U.S. government and agencies $ — 58,314 — 58,314 Government sponsored enterprises — 40,597 — 40,597 States and political subdivisions — 75,469 — 75,469 Corporate — 7,688 — 7,688 Total debt securities — 182,068 — 182,068 Residential mortgage-backed securities: GNMA — 17,441 — 17,441 FNMA — 102,678 — 102,678 FHLMC — 70,830 — 70,830 Non-agency — 5 — 5 Collateralized mortgage obligations: GNMA — 331,784 — 331,784 FNMA — 148,892 — 148,892 FHLMC — 189,661 — 189,661 Total mortgage-backed securities — 861,291 — 861,291 Interest rate lock commitments — — 641 641 Forward commitments — 12 — 12 Interest rate swaps designated as hedging instruments — 713 — 713 Interest rate swaps not designated as hedging instruments — 41,406 — 41,406 Total assets $ — 1,085,490 641 1,086,131 Foreign exchange swaps $ — 291 — 291 Interest rate swaps designated as hedging instruments — 1,198 — 1,198 Interest rate swaps not designated as hedging instruments — 41,437 — 41,437 Risk participation agreements — 14 — 14 Total liabilities $ — 42,940 — 42,940
Schedule of changes in Level 3 assets and liabilities measured at fair value on a recurring basis	The following table presents the changes in Level 3 assets and liabilities measured at fair value on a recurring basis for the year ended December 31, 2024 and 2023: Years ended December 31, 2024 2023 Beginning balance January 1, $ 641 559 Net activity (299) 82 Transfers from Level 3 — — Transfers into of Level 3 — — Ending balance December 31, $ 342 641
Schedule of fair value measurement for nonrecurring assets	The following table represents the fair market measurement for only those nonrecurring assets that had a fair market value below the carrying amount as of December 31, 2024: Level 1 Level 2 Level 3 Total assets Loans individually assessed $ — — 9,801 9,801 Mortgage servicing rights — — 20 20 Real estate owned, net — — 35 35 Total assets $ — — 9,856 9,856 The following table represents the fair market measurement for only those nonrecurring assets that had a fair market value below the carrying amount as of December 31, 2023: Level 1 Level 2 Level 3 Total assets Loans individually assessed $ — — 36,747 36,747 Mortgage servicing rights — — 133 133 Real estate owned, net — — 104 104 Total assets $ — — 36,984 36,984
Schedule of quantitative information about assets measured at fair value on a recurring and nonrecurring basis for Level 3 fair value measurements	The following table presents additional quantitative information about assets measured at fair value on a recurring and nonrecurring basis and for which we have utilized Level 3 inputs to determine fair value at December 31, 2024: Fair value ($) Valuation Significant Range Loans individually assessed 9,801 Appraisal value (1) Estimated cost to sell 10% Mortgage servicing rights 20 Discounted cash flow Annual service cost $88 Prepayment rate 6.5% to 19.8% (11.3%) Expected life (months) 48.9 to 101.3 (69.7) Option adjusted spread 724 basis points Forward yield curve 4.65% to 4.49% Real estate owned, net 35 Appraisal value (1) Estimated cost to sell 10% Loans held for sale 7,711 Quoted prices for similar loans in active markets adjusted by an expected pull-through rate Estimated pull-through rate 100%

Regulatory Capital Requiremen_2

Regulatory Capital Requirements (Tables)	12 Months Ended
	Dec. 31, 2024
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Schedule of actual, required, and well capitalized levels	The actual, required, and well capitalized levels as of December 31, 2024 and 2023 were as follows: At December 31, 2024 Actual Minimum capital Well capitalized (2) Amount Ratio Amount Ratio Amount Ratio Total capital (to risk weighted assets) Northwest Bancshares, Inc. $ 1,708,786 16.078 % $ 1,115,932 10.500 % $ 1,062,793 10.000 % Northwest Bank 1,466,832 13.814 % 1,114,929 10.500 % 1,061,837 10.000 % Tier 1 capital (to risk weighted assets) Northwest Bancshares, Inc. 1,468,646 13.819 % 903,374 8.500 % 637,676 6.000 % Northwest Bank 1,341,230 12.631 % 902,561 8.500 % 849,469 8.000 % CET 1 capital (to risk weighted assets) Northwest Bancshares, Inc. 1,342,801 12.635 % 743,955 7.000 % N/A N/A Northwest Bank 1,341,230 12.631 % 743,286 7.000 % 690,194 6.500 % Tier 1 capital (leverage to average assets) Northwest Bancshares, Inc. 1,468,646 10.390 % 565,426 4.000 % N/A N/A Northwest Bank 1,341,230 9.496 % 564,937 4.000 % 706,171 5.000 % (1) The capital conservation buffer of 2.5% does not apply to Tier 1 capital to average assets (leverage ratio). For further information related to the capital conservation buffer, see “Item 1. Business—Supervision and Regulation”. (2) Reflects the well-capitalized standard applicable to Northwest Bank and the well-capitalized standard applicable to the Company under the Federal Reserve Board’s Regulation Y. At December 31, 2023 Actual Minimum capital Well capitalized (2) Amount Ratio Amount Ratio Amount Ratio Total capital (to risk weighted assets) Northwest Bancshares, Inc. $ 1,799,883 16.753 % $ 1,128,054 10.500 % $ 1,074,337 10.000 % Northwest Bank 1,520,736 14.167 % 1,127,076 10.500 % 1,073,406 10.000 % Tier 1 capital (to risk weighted assets) Northwest Bancshares, Inc. 1,553,766 14.463 % 913,186 8.500 % 644,602 6.000 % Northwest Bank 1,388,808 12.938 % 912,395 8.500 % 858,725 8.000 % CET 1 capital (to risk weighted assets) Northwest Bancshares, Inc. 1,428,181 13.294 % 752,036 7.000 % N/A N/A Northwest Bank 1,388,808 12.938 % 751,384 7.000 % 697,714 6.500 % Tier 1 capital (leverage to average assets) Northwest Bancshares, Inc. 1,428,181 10.841 % 573,290 4.000 % N/A N/A Northwest Bank 1,388,808 9.697 % 572,903 4.000 % 716,128 5.000 % (1) The 2023 capital conservation buffer of 2.5% does not apply to Tier 1 capital to average assets (leverage ratio). For further information related to the capital conservation buffer, see “ Item 1. Business—Supervision and Regulation”. (2) Reflects the well-capitalized standard applicable to Northwest Bank and the well-capitalized standard applicable to the Company under the Federal Reserve Board’s Regulation Y.

Components of Accumulated Oth_2

Components of Accumulated Other Comprehensive Income (Tables)	12 Months Ended
	Dec. 31, 2024
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Schedule of components and changes in accumulated other comprehensive loss	The following table sets forth the components of accumulated other comprehensive loss as of December 31, 2024 and 2023: December 31, 2024 2023 Unrealized loss on marketable securities available-for-sale $ (130,248) (150,659) Fair value of interest rate swaps 1,159 (374) Defined benefit pension plans 18,175 1,541 Accumulated other comprehensive loss $ (110,914) (149,492) The following table shows the changes in accumulated other comprehensive loss by component for the year ended December 31, 2024: Unrealized gains and losses on securities Change in fair value of interest rate swaps Change in defined Total Balance as of January 1, $ (150,659) (374) 1,541 (149,492) Other comprehensive income/(loss) before reclassification adjustments (1) (2) (3) (6,378) 1,533 18,187 13,342 Amounts reclassified from accumulated other comprehensive income (4) (5) 26,789 — (1,553) 25,236 Net other comprehensive income/(loss) 20,411 1,533 16,634 38,578 Balance as of December 31, $ (130,248) 1,159 18,175 (110,914) (1) Consists of unrealized holding gains, net of tax of $1,193. (2) Change in fair value of interest rate swaps, net of tax of $(448). (3) Consists of unrealized gains, net of tax of $(6,895). (4) Consists of realized losses, net of tax of $(7,706). (5) Consists of realized gains, net of tax of $591. The following table shows the changes in accumulated other comprehensive loss by component for the year ended December 31, 2023: Unrealized gains and losses on securities available-for-sale Change in fair value of interest rate swaps Change in Total Balance as of January 1, $ (164,206) — (6,952) (171,158) Other comprehensive (loss)/income before reclassification adjustments (1) (2) (3) 7,875 (374) 10,019 17,520 Amounts reclassified from accumulated other comprehensive income (4) (5) 5,672 — (1,526) 4,146 Net other comprehensive (loss)/income 13,547 (374) 8,493 21,666 Balance as of December 31, $ (150,659) (374) 1,541 (149,492) (1) Consists of unrealized holding gains, net of tax of $(3,429). (2) Change in fair value of interest rate swaps, net of tax of $110. (3) Consists of unrealized gains, net of tax of $(3,961). (4) Consists of realized losses, net of tax of $(1,700). (5) Consists of realized gains, net of tax of $607. The following table shows the changes in accumulated other comprehensive loss by component for the year ended December 31, 2022: Unrealized gains and losses on securities Change in Total Balance as of January 1, $ (12,317) (25,312) (37,629) Other comprehensive (loss)/income before reclassification adjustments (1) (2) (151,888) 18,884 (133,004) Amounts reclassified from accumulated other comprehensive income (3) (4) (1) (524) (525) Net other comprehensive (loss)/income (151,889) 18,360 (133,529) Balance as of December 31, $ (164,206) (6,952) (171,158) (1) Consists of unrealized holding losses, net of tax of $45,321. (2) Consists of unrealized gains, net of tax of $(7,182). (3) Consists of realized gains, net of tax of $0. (4) Consists of realized gains, net of tax of $202.

Segment Information (Tables)

Segment Information (Tables)	12 Months Ended
	Dec. 31, 2024
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment	Information reported internally for performance assessment by the chief operating decision maker follows, inclusive of reconciliations of significant segment totals to the financial statements: Banking Segment Years ended December 31, 2024 2023 2022 Interest income $ 669,196 587,922 448,798 Reconciliation of revenue Service charges and fees 62,957 59,214 55,188 Trust and other financial services income 30,102 27,284 27,765 Loss on sale of investments (39,413) (8,307) (8) Other revenue (1) 33,364 35,632 27,904 Consolidated revenues $ 756,206 701,745 559,647 Less: Interest expense 233,618 152,239 28,117 Segment net interest income and noninterest income $ 522,588 549,506 531,530 Less: Provision for credit losses 24,505 22,874 28,315 Compensation and employee benefits 214,455 195,691 188,359 Processing expenses 59,351 58,687 52,496 Premises and occupancy costs 29,469 29,151 29,618 Professional services 14,883 17,819 14,703 Office operations 12,433 12,955 13,318 Federal deposit insurance premiums 11,600 9,271 4,778 Other segment items (2) 26,346 27,980 26,251 Income tax expense 29,268 40,121 40,026 Segment net income/consolidated net income $ 100,278 134,957 133,666 (1) Other revenues include loan sales, gain on real estate owned, income from bank owned life insurance and other operating income. (2) Other segment items include expenses for collections, marketing, amortization of intangibles, real estate owned, merger, asset disposition and restructuring and other operating expense. Banking Segment Years ended December 31, 2024 2023 2022 Other segment disclosures Interest income $ 669,196 587,922 448,798 Interest expense 233,618 152,239 28,117 Depreciation 11,259 11,492 11,602 Amortization 2,452 3,270 4,277 Other significant noncash items: Provision for credit losses 24,505 22,874 28,315 Segment assets 14,408,224 14,419,105 14,113,324 Expenditures for segment assets 4,618 2,275 5,863

Parent Company Only Financial_2

Parent Company Only Financial Statements - Condensed (Tables)	12 Months Ended
	Dec. 31, 2024
Condensed Financial Information Disclosure [Abstract]
Schedule of statements of financial condition	Statements of Financial Condition December 31, 2024 2023 Assets Cash and cash equivalents $ 238,966 276,026 Investment in bank subsidiary 1,627,392 1,588,711 Other assets 9,397 9,405 Total assets $ 1,875,755 1,874,142 Liabilities and shareholders’ equity Liabilities: Debentures payable $ 244,372 243,763 Other liabilities 2,427 2,302 Total liabilities 246,799 246,065 Shareholders’ equity 1,628,956 1,628,077 Total liabilities and shareholders’ equity $ 1,875,755 1,874,142
Schedule of statements of income	Statements of Income Years ended December 31, 2024 2023 2022 Income: Interest income $ 185 187 140 Other income 737 729 805 Dividends from bank subsidiary 75,000 215,000 161,000 Undistributed earnings from equity investment in bank subsidiary 38,694 (67,106) (18,187) Total income 114,616 148,810 143,758 Expense: Compensation and employee benefits 1,972 1,906 1,656 Other expenses 1,339 1,044 1,042 Interest expense 14,593 14,342 9,825 Total expense 17,904 17,292 12,523 Income before income taxes 96,712 131,518 131,235 Income tax benefit (3,566) (3,439) (2,431) Net income $ 100,278 134,957 133,666
Schedule of statements of cash flows	Statements of Cash Flows Years ended December 31, 2024 2023 2022 Operating activities: Net income $ 100,278 134,957 133,666 Adjustments to reconcile net income to net cash provided by operating activities: Undistributed earnings of subsidiary (38,694) 67,106 18,187 Net change in other assets and liabilities 757 900 (9,457) Net cash provided by operating activities 62,341 202,963 142,396 Investing activities: Net cash used in investing activities — — — Financing activities: Cash dividends paid on common stock (101,854) (101,669) (101,468) Repurchase of Northwest stock — — — Proceeds from stock options exercised 2,453 630 5,173 Net cash used in financing activities (99,401) (101,039) (96,295) Net (decrease)/increase in cash and cash equivalents $ (37,060) 101,924 46,101 Cash and cash equivalents at beginning of period $ 276,026 174,102 128,001 Net (decrease)/increase in cash and cash equivalents (37,060) 101,924 46,101 Cash and cash equivalents at end of period $ 238,966 276,026 174,102

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of derivative instruments	The following table presents information regarding our derivative financial instruments at the dates indicated. Amounts in the table below are presented gross without the impact of any net collateral agreements (in thousands): Asset derivatives Liability derivatives Notional amount Fair value Notional amount Fair value At December 31, 2024 Derivatives designated as hedging instruments: Interest rate swap agreements $ 125,000 1,529 50,000 32 Derivatives not designated as hedging instruments: Interest rate swap agreements 780,177 37,697 780,177 37,767 Foreign exchange swap agreements 5,724 199 2,690 4 Interest rate lock commitments 17,426 342 — — Forward commitments 1,509 34 — — Risk participation agreements — — 129,439 16 Total derivatives $ 929,836 39,801 962,306 37,819 At December 31, 2023 Derivatives designated as hedging instruments: Interest rate swap agreements $ 75,000 713 100,000 1,198 Derivatives not designated as hedging instruments: Interest rate swap agreements 725,139 41,406 725,139 41,437 Foreign exchange swap agreements — — 12,278 291 Interest rate lock commitments 21,857 641 — — Forward commitments 281 12 — — Risk participation agreements — — 101,727 14 Total derivatives $ 822,277 42,772 939,144 42,940
Schedule of gain (loss) on derivative instruments	The following table presents income or expenses recognized on derivatives for the periods indicated (in thousands): For the years ended December 31, 2024 2023 2022 Hedging derivatives: Decrease in interest expense $ 2,659 1,573 — Non-hedging swap derivatives: Increase/(decrease) in other income 444 (613) (83) (Decrease)/increase in mortgage banking income (277) (34) 1,368
Schedule of interest rate products designated as hedging instruments	The following table presents information regarding our derivative financial instruments designated as hedging for the year ended December 31, 2024 (dollars in thousands): Notional amount Effective rate Estimated decrease to interest expense Maturity date Remaining term Interest rate products: Issued May 11, 2023 $ 25,000 3.46 % $ (334) 5/11/2027 28 Issued May 12, 2023 25,000 3.50 % (322) 5/12/2028 40 Issued May 19, 2023 25,000 3.78 % (248) 11/19/2027 35 Issued May 31, 2023 25,000 4.04 % (194) 11/30/2026 23 Issued July 26, 2023 25,000 4.18 % (150) 7/26/2028 43 Issued July 31, 2023 25,000 4.29 % (128) 1/31/2028 37 Issued August 9, 2023 25,000 4.27 % (133) 8/9/2027 31 Total $ 175,000 $ (1,509)
Offsetting assets	The following tables present the gross amounts of these assets and liabilities with any offsets to arrive at the net amounts recognized in the Consolidated Statements of Financial Condition as of December 31, 2024 (1) (dollars in thousands). Derivative assets Gross amounts of Gross amounts offset in Net amounts of Interest rate swaps - hedging $ 1,529 (32) 1,497 Interest rate swaps - not hedging 37,697 (34,204) 3,493 Derivative liabilities Gross amounts of Gross amounts offset in Net amounts of Interest rate swaps - hedging $ 32 (32) — Interest rate swaps - not hedging 37,767 (2,362) 35,405
Offsetting liabilities	The following tables present the gross amounts of these assets and liabilities with any offsets to arrive at the net amounts recognized in the Consolidated Statements of Financial Condition as of December 31, 2024 (1) (dollars in thousands). Derivative assets Gross amounts of Gross amounts offset in Net amounts of Interest rate swaps - hedging $ 1,529 (32) 1,497 Interest rate swaps - not hedging 37,697 (34,204) 3,493 Derivative liabilities Gross amounts of Gross amounts offset in Net amounts of Interest rate swaps - hedging $ 32 (32) — Interest rate swaps - not hedging 37,767 (2,362) 35,405

Summary of Significant Accoun_3

Summary of Significant Accounting Policies - Loans Receivable and Allowance for Loan Losses and Other Narrative Information (Details)	12 Months Ended
	Dec. 31, 2024 USD ($) bank_location segment	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Nature of Operations
Number of banking locations | bank_location	141
Number of reportable business segments | segment	1
Marketable Securities
Securities classified as trading	$ 0	$ 0
Debt securities, held-to-maturity, accrued interest	3,000,000	3,000,000
Debt securities, available-for-sale, accrued interest	$ 2,000,000	2,000,000
Debt securities, nonaccrual status, threshold period past due	90 days
Debt securities, nonaccrual	$ 0	$ 0
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Accrued interest receivable	Accrued interest receivable
Loans Receivable
Loans receivable	$ 40,427,000	$ 42,178,000
Number of days in delinquency for accrued interest on loans to be considered for reversal, minimum	90 days
Number of days delinquent for loans to be placed on non-accrual status, minimum	90 days
Typical performance period	6 months
Period of time to return TDRs included in impaired loans to performing status through the fulfilling of contractual terms	180 days
Loans held-for-sale	$ 76,000,000	9,000,000
Number of loan segments | segment	7
Goodwill
Goodwill impairment	$ 0	$ 0	$ 0

Summary of Significant Accoun_4

Summary of Significant Accounting Policies - Premises and Equipment and Goodwill (Details)	Dec. 31, 2024
Minimum
Premises and Equipment
Estimated lives	3 years
Core Deposit Intangibles
Useful life of core deposit intangibles	7 years
Maximum
Premises and Equipment
Estimated lives	39 years
Core Deposit Intangibles
Useful life of core deposit intangibles	11 years

Summary of Significant Accoun_5

Summary of Significant Accounting Policies - Pension Plans (Details)	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Pension Plans
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Discount rate	5.44%	4.79%	4.99%

Summary of Significant Accoun_6

Summary of Significant Accounting Policies - Leases (Details)	Dec. 31, 2024
Minimum
Lessee, Lease, Description [Line Items]
Lease renewal term	1 year
Maximum
Lessee, Lease, Description [Line Items]
Lease term of contract (up to)	35 years
Lease renewal term	10 years

Leases - Schedule of Lease Cost

Leases - Schedule of Lease Cost (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Leases [Abstract]
Operating lease costs (office operations)	$ 6,902	$ 6,529	$ 6,201
Variable lease costs (office operations)	716	863	677
Total operating lease costs	$ 7,618	$ 7,392	$ 6,878

Leases - Schedule of Lease Asse

Leases - Schedule of Lease Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Leases [Abstract]
Operating lease ROU assets (other assets)	$ 46,204	$ 61,727
Operating lease liabilities (other liabilities)	$ 49,973	$ 64,723
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other liabilities	Other liabilities

Leases - Schedule of Supplement

Leases - Schedule of Supplemental Cash Flow Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flow from operating leases	$ 6,182	$ 5,941
ROU assets obtained in exchange for lease obligations	$ 1,002	$ 13,736
Weighted average remaining lease term	12 years 10 months 24 days	16 years 7 months 6 days
Weighted average discount rate	4.60%	4.20%

Leases - Schedule of Lease Matu

Leases - Schedule of Lease Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Lessee, Operating Lease, Liability, Payment, Due [Abstract]
2025	$ 5,514
2026	5,458
2027	5,234
2028	5,143
2029	4,554
Thereafter	42,703
Total lease payments	68,606
Less amount of lease payments representing interest	18,633
Total present value of lease payments	$ 49,973	$ 64,723

Leases - Narrative (Details)

Leases - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Leases [Abstract]
Rental expense	$ 7,618	$ 7,392	$ 6,878
Operating Lease, Expense	$ 8,000	$ 7,000	$ 7,000

Marketable Securities - Availab

Marketable Securities - Available-for-sale (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Amortized cost
Residential mortgage-backed securities	$ 1,278,665	$ 1,240,003
Gross unrealized holding gains
Residential mortgage-backed securities, gross unrealized holding gains	1,197	223
Gross unrealized holding losses
Gross unrealized holding losses	(170,918)	(196,867)
Fair value
Fair value	1,108,944	1,043,359
Debt issued by the U.S. government-sponsored agencies
Amortized cost
Due after one year through five years		20,000
Due after ten years	45,289	49,383
Gross unrealized holding gains
Due after one year through five years		0
Due after ten years	0	0
Gross unrealized holding losses
Due after one year through five years		(1,135)
Due after ten years	(9,898)	(9,934)
Fair value
Due after one year through five years		18,865
Due after ten years	35,391	39,449
Government sponsored enterprises
Amortized cost
Due after one year through five years	122	45,986
Due after five years through ten years		386
Gross unrealized holding gains
Due after one year through five years	0	0
Due after five years through ten years		0
Gross unrealized holding losses
Due after one year through five years	(4)	(5,763)
Due after five years through ten years		(12)
Fair value
Due after one year through five years	118	40,223
Due after five years through ten years		374
Municipal securities
Amortized cost
Due after one year through five years	888	4,279
Due after five years through ten years	16,662	20,725
Due after ten years	51,257	60,762
Gross unrealized holding gains
Due after one year through five years	10	22
Due after five years through ten years	4	0
Due after ten years	4	125
Gross unrealized holding losses
Due after one year through five years	(2)	(427)
Due after five years through ten years	(1,756)	(1,437)
Due after ten years	(8,440)	(8,580)
Fair value
Due after one year through five years	896	3,874
Due after five years through ten years	14,910	19,288
Due after ten years	42,821	52,307
Corporate debt issues
Amortized cost
Due after one year through five years	5,485
Due after five years through ten years	19,944	8,466
Gross unrealized holding gains
Due after one year through five years	0
Due after five years through ten years	815	0
Gross unrealized holding losses
Due after one year through five years	(78)
Due after five years through ten years	(65)	(778)
Fair value
Due after one year through five years	5,407
Due after five years through ten years	20,694	7,688
Residential mortgage-backed securities
Amortized cost
Due after one year through five years	10,495
Due after five years through ten years	8,508
Due after ten years	1,119,927
Residential mortgage-backed securities	1,139,018	1,030,016
Gross unrealized holding gains
Residential mortgage-backed securities, gross unrealized holding gains	364	76
Gross unrealized holding losses
Gross unrealized holding losses	(150,675)	(168,801)
Fair value
Due after one year through five years	10,419
Due after five years through ten years	7,591
Due after ten years	970,608
Fair value	988,707	861,291
Fixed rate pass-through
Amortized cost
Residential mortgage-backed securities	237,892	209,069
Gross unrealized holding gains
Residential mortgage-backed securities, gross unrealized holding gains	106	27
Gross unrealized holding losses
Gross unrealized holding losses	(17,581)	(25,222)
Fair value
Fair value	220,417	183,874
Variable rate pass-through
Amortized cost
Residential mortgage-backed securities	3,738	7,140
Gross unrealized holding gains
Residential mortgage-backed securities, gross unrealized holding gains	54	11
Gross unrealized holding losses
Gross unrealized holding losses	(3)	(71)
Fair value
Fair value	3,789	7,080
Fixed rate agency CMOs
Amortized cost
Residential mortgage-backed securities	852,648	789,842
Gross unrealized holding gains
Residential mortgage-backed securities, gross unrealized holding gains	174	0
Gross unrealized holding losses
Gross unrealized holding losses	(132,989)	(143,055)
Fair value
Fair value	719,833	646,787
Variable rate agency CMOs
Amortized cost
Residential mortgage-backed securities	44,740	23,965
Gross unrealized holding gains
Residential mortgage-backed securities, gross unrealized holding gains	30	38
Gross unrealized holding losses
Gross unrealized holding losses	(102)	(453)
Fair value
Fair value	$ 44,668	$ 23,550

Marketable Securities - Held-to

Marketable Securities - Held-to-maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Amortized cost
Total residential mortgage-backed securities	$ 750,586	$ 814,839
Gross unrealized holding gains
Gross unrealized holding gains	1	1
Gross unrealized holding losses
Gross unrealized holding losses	(112,639)	(115,334)
Fair value
Fair value	637,948	699,506
Debt issued by the U.S. government-sponsored agencies
Amortized cost
Due after one year through five years		69,471
Due after five years through ten years		54,987
Total residential mortgage-backed securities	124,462
Gross unrealized holding gains
Due after one year through five years		0
Due after five years through ten years		0
Gross unrealized holding losses
Due after one year through five years		(8,100)
Due after five years through ten years		(8,700)
Fair value
Due after one year through five years		61,371
Due after five years through ten years		46,287
Residential mortgage-backed securities
Amortized cost
Due after one year through five years	19,957
Due after five years through ten years	20,184
Total residential mortgage-backed securities	626,124	690,381
Gross unrealized holding gains
Gross unrealized holding gains	1	1
Gross unrealized holding losses
Gross unrealized holding losses	(98,175)	(98,534)
Fair value
Due after one year through five years	18,020
Due after five years through ten years	16,510
Fair value	527,950	591,848
Fixed rate pass-through
Amortized cost
Total residential mortgage-backed securities	132,816	147,874
Gross unrealized holding gains
Gross unrealized holding gains	0	0
Gross unrealized holding losses
Gross unrealized holding losses	(20,181)	(20,834)
Fair value
Fair value	112,635	127,040
Variable rate pass-through
Amortized cost
Total residential mortgage-backed securities	364	449
Gross unrealized holding gains
Gross unrealized holding gains	1	1
Gross unrealized holding losses
Gross unrealized holding losses	0	0
Fair value
Fair value	365	450
Fixed rate agency CMOs
Amortized cost
Total residential mortgage-backed securities	492,415	541,529
Gross unrealized holding gains
Gross unrealized holding gains	0	0
Gross unrealized holding losses
Gross unrealized holding losses	(77,989)	(77,694)
Fair value
Fair value	414,426	463,835
Variable rate agency CMOs
Amortized cost
Total residential mortgage-backed securities	529	529
Gross unrealized holding gains
Gross unrealized holding gains	0	0
Gross unrealized holding losses
Gross unrealized holding losses	(5)	(6)
Fair value
Fair value	524	$ 523
Government-sponsored enterprises
Amortized cost
Due after one year through five years	124,462
Gross unrealized holding gains
Due after one year through five years	0
Gross unrealized holding losses
Due after one year through five years	(14,464)
Fair value
Due after one year through five years	$ 109,998

Marketable Securities - Avail_2

Marketable Securities - Available-for-sale, by Contractual Maturity (Details) - Residential mortgage-backed securities $ in Thousands	Dec. 31, 2024 USD ($)
Amortized cost
Due within one year	$ 88
Due after one year through five years	10,495
Due after five years through ten years	8,508
Due after ten years	1,119,927
Total residential mortgage-backed securities	1,139,018
Fair value
Due within one year	89
Due after one year through five years	10,419
Due after five years through ten years	7,591
Due after ten years	970,608
Total residential mortgage-backed securities	$ 988,707

Marketable Securities - Held-_2

Marketable Securities - Held-to-maturity, by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Amortized cost
Total residential mortgage-backed securities	$ 750,586	$ 814,839
Residential mortgage-backed securities
Amortized cost
Due after one year through five years	19,957
Due after five years through ten years	20,184
Due after ten years	585,959
Total residential mortgage-backed securities	626,124	$ 690,381
Fair value
Due after one year through five years	18,020
Due after five years through ten years	16,510
Due after ten years	493,396
Total residential mortgage-backed securities	527,950
Residential mortgage-backed securities
Amortized cost
Due within one year	24
Fair value
Due within one year	$ 24

Marketable Securities - Issuers

Marketable Securities - Issuers and the Carrying Values of Mortgage-backed Securities (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Marketable Securities [Line Items]
Carrying value	$ 615,000,000
Proceeds from sale of marketable securities available-for-sale	275,585,000	$ 101,229,000	$ 0
Realized losses	39,000,000	8,000,000
Realized gains		9,000
Available-for-sale debt securities, allowance for credit loss	0	0	$ 0
Residential mortgage-backed securities
Marketable Securities [Line Items]
Total residential mortgage-backed securities	1,614,831,000	1,551,672,000
FNMA
Marketable Securities [Line Items]
Total residential mortgage-backed securities	443,354,000	568,160,000
GNMA
Marketable Securities [Line Items]
Total residential mortgage-backed securities	668,668,000	407,441,000
FHLMC
Marketable Securities [Line Items]
Total residential mortgage-backed securities	502,805,000	576,066,000
Other (including non-agency)
Marketable Securities [Line Items]
Total residential mortgage-backed securities	$ 4,000	$ 5,000

Marketable Securities - Fair Va

Marketable Securities - Fair Value and Gross Unrealized Losses on Marketable Securities (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($) position	Dec. 31, 2023 USD ($)
Investments, Debt and Equity Securities [Abstract]
Number of investments that are temporarily impaired | position	288
Marketable Securities [Line Items]
Less than 12 months - Fair value	$ 313,235	$ 20,729
Less than 12 months - Unrealized loss	(3,764)	(323)
12 months or more - Fair value	1,310,418	1,704,010
12 months or more - Unrealized loss	(279,793)	(311,878)
Total - Fair value	1,623,653	1,724,739
Total - Unrealized loss	(283,557)	(312,201)
Government-sponsored enterprises
Marketable Securities [Line Items]
Less than 12 months - Fair value	0	0
Less than 12 months - Unrealized loss	0	0
12 months or more - Fair value	145,507	206,569
12 months or more - Unrealized loss	(24,366)	(33,644)
Total - Fair value	145,507	206,569
Total - Unrealized loss	(24,366)	(33,644)
Corporate debt issues
Marketable Securities [Line Items]
Less than 12 months - Fair value	0	0
Less than 12 months - Unrealized loss	0	0
12 months or more - Fair value	8,335	7,688
12 months or more - Unrealized loss	(143)	(778)
Total - Fair value	8,335	7,688
Total - Unrealized loss	(143)	(778)
Municipal securities
Marketable Securities [Line Items]
Less than 12 months - Fair value	15,407	2,753
Less than 12 months - Unrealized loss	(186)	(81)
12 months or more - Fair value	39,296	66,046
12 months or more - Unrealized loss	(10,012)	(10,363)
Total - Fair value	54,703	68,799
Total - Unrealized loss	(10,198)	(10,444)
Residential mortgage-backed securities - agency
Marketable Securities [Line Items]
Less than 12 months - Fair value	297,828	17,976
Less than 12 months - Unrealized loss	(3,578)	(242)
12 months or more - Fair value	1,117,280	1,423,707
12 months or more - Unrealized loss	(245,272)	(267,093)
Total - Fair value	1,415,108	1,441,683
Total - Unrealized loss	$ (248,850)	$ (267,335)

Marketable Securities - Held-_3

Marketable Securities - Held-to-maturity Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Debt Securities, Available-for-Sale [Line Items]
Held-to-maturity securities:	$ 750,586	$ 814,839
AA Plus Rating
Debt Securities, Available-for-Sale [Line Items]
Held-to-maturity securities:	750,586
Debt issued by the U.S. government-sponsored agencies
Debt Securities, Available-for-Sale [Line Items]
Held-to-maturity securities:	124,462
Debt issued by the U.S. government-sponsored agencies | AA Plus Rating
Debt Securities, Available-for-Sale [Line Items]
Held-to-maturity securities:	124,462
Residential mortgage-backed securities
Debt Securities, Available-for-Sale [Line Items]
Held-to-maturity securities:	626,124	$ 690,381
Residential mortgage-backed securities | AA Plus Rating
Debt Securities, Available-for-Sale [Line Items]
Held-to-maturity securities:	$ 626,124

Loans Receivable - Schedule of

Loans Receivable - Schedule of Originated and Acquired Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Allowance for loan losses
Total loans receivable, gross	$ 11,180,014	$ 11,406,041
Allowance for credit losses	(116,819)	(125,243)	$ (118,036)	$ (102,241)
Total loans receivable, net	11,063,195	11,280,798
Unearned income, unamortized premiums and discounts and deferred fees and costs	60,000	68,000
Personal Banking
Allowance for loan losses
Total loans receivable, gross	6,322,750	6,773,302
Allowance for credit losses	(43,464)	(51,706)	(48,887)	(31,040)
Personal Banking | Residential mortgage loans
Allowance for loan losses
Total loans receivable, gross	3,178,269	3,419,417
Allowance for credit losses	(14,347)	(18,193)	(19,261)	(7,373)
Personal Banking | Home equity loans
Allowance for loan losses
Total loans receivable, gross	1,149,396	1,227,858
Allowance for credit losses	(4,845)	(5,403)	(5,902)	(5,300)
Personal Banking | Vehicle loans
Allowance for loan losses
Total loans receivable, gross	1,870,843	2,008,601
Allowance for credit losses	(22,389)	(26,911)	(23,059)	(15,483)
Personal Banking | Consumer loans
Allowance for loan losses
Total loans receivable, gross	124,242	117,426
Allowance for credit losses	(1,883)	(1,199)	(665)	(2,884)
Commercial Banking
Allowance for loan losses
Total loans receivable, gross	4,857,264	4,632,739
Allowance for credit losses	(73,355)	(73,537)	(69,149)	(71,201)
Commercial Banking | Commercial real estate loans
Allowance for loan losses
Total loans receivable, gross	2,495,726	2,628,457
Allowance for credit losses	(44,328)	(51,267)	(44,506)	(54,141)
Commercial Banking | Commercial real estate loans - owner occupied
Allowance for loan losses
Total loans receivable, gross	354,136	345,553
Allowance for credit losses	(3,882)	(3,775)	(4,004)	(3,883)
Commercial Banking | Commercial loans
Allowance for loan losses
Total loans receivable, gross	2,007,402	1,658,729
Allowance for credit losses	(25,145)	(18,495)	$ (20,639)	$ (13,177)
Originated
Allowance for loan losses
Total loans receivable, gross	10,674,166	10,765,140
Allowance for credit losses	(112,427)	(118,079)
Total loans receivable, net	10,561,739	10,647,061
Originated | Personal Banking
Allowance for loan losses
Total loans receivable, gross	6,130,531	6,432,927
Originated | Personal Banking | Residential mortgage loans
Allowance for loan losses
Total loans receivable, gross	3,157,895	3,274,531
Originated | Personal Banking | Home equity loans
Allowance for loan losses
Total loans receivable, gross	1,051,950	1,103,410
Originated | Personal Banking | Vehicle loans
Allowance for loan losses
Total loans receivable, gross	1,823,780	1,943,540
Originated | Personal Banking | Consumer loans
Allowance for loan losses
Total loans receivable, gross	96,906	111,446
Originated | Commercial Banking
Allowance for loan losses
Total loans receivable, gross	4,543,635	4,332,213
Originated | Commercial Banking | Commercial real estate loans
Allowance for loan losses
Total loans receivable, gross	2,311,562	2,389,537
Originated | Commercial Banking | Commercial real estate loans - owner occupied
Allowance for loan losses
Total loans receivable, gross	229,448	319,195
Originated | Commercial Banking | Commercial loans
Allowance for loan losses
Total loans receivable, gross	2,002,625	1,623,481
Acquired
Allowance for loan losses
Total loans receivable, gross	505,848	640,901
Allowance for credit losses	(4,392)	(7,164)
Total loans receivable, net	501,456	633,737
Acquired | Personal Banking
Allowance for loan losses
Total loans receivable, gross	192,219	340,375
Acquired | Personal Banking | Residential mortgage loans
Allowance for loan losses
Total loans receivable, gross	20,374	144,886
Acquired | Personal Banking | Home equity loans
Allowance for loan losses
Total loans receivable, gross	97,446	124,448
Acquired | Personal Banking | Vehicle loans
Allowance for loan losses
Total loans receivable, gross	47,063	65,061
Acquired | Personal Banking | Consumer loans
Allowance for loan losses
Total loans receivable, gross	27,336	5,980
Acquired | Commercial Banking
Allowance for loan losses
Total loans receivable, gross	313,629	300,526
Acquired | Commercial Banking | Commercial real estate loans
Allowance for loan losses
Total loans receivable, gross	184,164	238,920
Acquired | Commercial Banking | Commercial real estate loans - owner occupied
Allowance for loan losses
Total loans receivable, gross	124,688	26,358
Acquired | Commercial Banking | Commercial loans
Allowance for loan losses
Total loans receivable, gross	$ 4,777	$ 35,248

Loans Receivable - Narrative (D

Loans Receivable - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Credit quality indicators
Serviced loans for others	$ 244,000,000	$ 231,000,000
Percentage of loan portfolio secured by properties located in Pennsylvania	36%	38%
Adjustable rate loans	$ 4,300,000,000	$ 4,000,000,000
Fixed rate loans	6,900,000,000	7,300,000,000
Allowance for loan and lease losses	24,000,000	8,000,000
Loss from sale of loans held-for-investment reported in the allowance for credit losses	5,000,000
Gain on sale of loans	0	726,000	$ 0
Interest income on nonaccrual and troubled debt restructuring loans	$ 0	0
Modified loans, threshold period past due	90 days
Total loans receivable, gross	$ 11,180,014,000	11,406,041,000
Private Label Credit Card Facilities
Credit quality indicators
Credit limit	20,000,000
Private Label Credit Card Facilities | Credit Cards Issued
Credit quality indicators
Credit limit	11,000,000
Outstanding balance	2,000,000
Loans commitments
Credit quality indicators
Outstanding loan commitments for fixed rate loans	52,000,000
Outstanding loan commitments for adjustable rate loans	139,000,000
Standby letters of credit
Credit quality indicators
Maximum potential amount of future payments	58,000,000
Maximum potential amount of future payments fully collateralized	42,000,000
Liability recognized for the obligations	1,000,000	$ 1,000,000
Minimum | Special mention or substandard
Credit quality indicators
Total loans receivable, gross	$ 1,000,000

Loans Receivable - Changes in t

Loans Receivable - Changes in the Allowance for Losses on Loans Receivable (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Changes in allowance for losses on allocated loans receivable
Beginning balance	$ 125,243	$ 118,036	$ 102,241
Current period provision	27,679	18,664	17,860
Charge-offs	47,102	21,024	20,931
Recoveries	10,999	9,141	18,866
Ending balance	116,819	125,243	118,036
ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		426
Ending balance			426
Personal Banking
Changes in allowance for losses on allocated loans receivable
Beginning balance	51,706	48,887	31,040
Current period provision	3,109	11,739	23,545
Charge-offs	17,319	14,492	11,908
Recoveries	5,968	5,572	6,210
Ending balance	43,464	51,706	48,887
Personal Banking | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Ending balance			0
Personal Banking | Residential mortgage loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	18,193	19,261	7,373
Current period provision	(4,473)	(1,515)	13,129
Charge-offs	845	1,189	2,033
Recoveries	1,472	1,636	792
Ending balance	14,347	18,193	19,261
Personal Banking | Residential mortgage loans | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Ending balance			0
Personal Banking | Home equity loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	5,403	5,902	5,300
Current period provision	51	(356)	540
Charge-offs	1,736	852	1,469
Recoveries	1,127	709	1,531
Ending balance	4,845	5,403	5,902
Personal Banking | Home equity loans | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Ending balance			0
Personal Banking | Vehicle loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	26,911	23,059	15,483
Current period provision	2,509	8,299	8,863
Charge-offs	8,809	6,468	3,621
Recoveries	1,778	2,021	2,334
Ending balance	22,389	26,911	23,059
Personal Banking | Vehicle loans | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Ending balance			0
Personal Banking | Consumer loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	1,199	665	2,884
Current period provision	5,022	5,311	1,013
Charge-offs	5,929	5,983	4,785
Recoveries	1,591	1,206	1,553
Ending balance	1,883	1,199	665
Personal Banking | Consumer loans | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Ending balance			0
Commercial Banking
Changes in allowance for losses on allocated loans receivable
Beginning balance	73,537	69,149	71,201
Current period provision	24,570	6,925	(5,685)
Charge-offs	29,783	6,532	9,023
Recoveries	5,031	3,569	12,656
Ending balance	73,355	73,537	69,149
Commercial Banking | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		426
Ending balance			426
Commercial Banking | Commercial real estate loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	51,267	44,506	54,141
Current period provision	4,902	6,604	(12,633)
Charge-offs	15,321	2,298	7,366
Recoveries	3,480	2,029	10,364
Ending balance	44,328	51,267	44,506
Commercial Banking | Commercial real estate loans | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		426
Ending balance			426
Commercial Banking | Commercial real estate loans - owner occupied
Changes in allowance for losses on allocated loans receivable
Beginning balance	3,775	4,004	3,883
Current period provision	69	(227)	36
Charge-offs	0	68	0
Recoveries	38	66	85
Ending balance	3,882	3,775	4,004
Commercial Banking | Commercial real estate loans - owner occupied | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Ending balance			0
Commercial Banking | Commercial loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	18,495	20,639	13,177
Current period provision	19,599	548	6,912
Charge-offs	14,462	4,166	1,657
Recoveries	1,513	1,474	2,207
Ending balance	25,145	18,495	20,639
Commercial Banking | Commercial loans | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Ending balance			0
Off-Balance Sheet Exposure
Changes in allowance for losses on allocated loans receivable
Beginning balance	17,123	12,913	2,458
Current period provision	(3,174)	4,210	10,455
Charge-offs	0	0	0
Recoveries	0	0	0
Ending balance	13,949	17,123	12,913
Off-Balance Sheet Exposure | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Ending balance			0
Off-Balance Sheet Exposure | Personal Banking
Changes in allowance for losses on allocated loans receivable
Beginning balance	67	78	41
Current period provision	(5)	(11)	37
Charge-offs	0	0	0
Recoveries	0	0	0
Ending balance	62	67	78
Off-Balance Sheet Exposure | Personal Banking | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Ending balance			0
Off-Balance Sheet Exposure | Personal Banking | Residential mortgage loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	2	4	2
Current period provision	(2)	(2)	2
Charge-offs	0	0	0
Recoveries	0	0	0
Ending balance	0	2	4
Off-Balance Sheet Exposure | Personal Banking | Residential mortgage loans | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Ending balance			0
Off-Balance Sheet Exposure | Personal Banking | Home equity loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	65	74	39
Current period provision	(3)	(9)	35
Charge-offs	0	0	0
Recoveries	0	0	0
Ending balance	62	65	74
Off-Balance Sheet Exposure | Personal Banking | Home equity loans | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Ending balance			0
Off-Balance Sheet Exposure | Commercial Banking
Changes in allowance for losses on allocated loans receivable
Beginning balance	17,056	12,835	2,417
Current period provision	(3,169)	4,221	10,418
Charge-offs	0	0	0
Recoveries	0	0	0
Ending balance	13,887	17,056	12,835
Off-Balance Sheet Exposure | Commercial Banking | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Ending balance			0
Off-Balance Sheet Exposure | Commercial Banking | Commercial real estate loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	6,147	5,375	881
Current period provision	(1,993)	772	4,494
Charge-offs	0	0	0
Recoveries	0	0	0
Ending balance	4,154	6,147	5,375
Off-Balance Sheet Exposure | Commercial Banking | Commercial real estate loans | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Ending balance			0
Off-Balance Sheet Exposure | Commercial Banking | Commercial real estate loans - owner occupied
Changes in allowance for losses on allocated loans receivable
Beginning balance	173	379	142
Current period provision	(13)	(206)	237
Charge-offs	0	0	0
Recoveries	0	0	0
Ending balance	160	173	379
Off-Balance Sheet Exposure | Commercial Banking | Commercial real estate loans - owner occupied | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		0
Ending balance			0
Off-Balance Sheet Exposure | Commercial Banking | Commercial loans
Changes in allowance for losses on allocated loans receivable
Beginning balance	10,736	7,081	1,394
Current period provision	(1,163)	3,655	5,687
Charge-offs	0	0	0
Recoveries	0	0	0
Ending balance	$ 9,573	10,736	7,081
Off-Balance Sheet Exposure | Commercial Banking | Commercial loans | ASU 2022-02 Adoption
Changes in allowance for losses on allocated loans receivable
Beginning balance		$ 0
Ending balance			$ 0

Loans Receivable - Loan Portfol

Loans Receivable - Loan Portfolio by Portfolio Segment and by Class of Financing Receivable (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Composition of impaired loans by portfolio segment and by class of financing receivable
Total loans receivable	$ 11,180,014	$ 11,406,041
Allowance for credit losses	116,819	125,243	$ 118,036	$ 102,241
Nonaccrual loans	61,401	94,384	81,236
Loans 90 days past due and accruing	656	2,698
Personal Banking
Composition of impaired loans by portfolio segment and by class of financing receivable
Total loans receivable	6,322,750	6,773,302
Allowance for credit losses	43,464	51,706	48,887	31,040
Nonaccrual loans	15,311	18,264	15,746
Loans 90 days past due and accruing	578	2,463
Personal Banking | Residential mortgage loans
Composition of impaired loans by portfolio segment and by class of financing receivable
Total loans receivable	3,178,269	3,419,417
Allowance for credit losses	14,347	18,193	19,261	7,373
Nonaccrual loans	6,951	8,727	7,574
Loans 90 days past due and accruing	0	1,671
Personal Banking | Home equity loans
Composition of impaired loans by portfolio segment and by class of financing receivable
Total loans receivable	1,149,396	1,227,858
Allowance for credit losses	4,845	5,403	5,902	5,300
Nonaccrual loans	3,332	4,492	4,145
Loans 90 days past due and accruing	0	26
Personal Banking | Vehicle loans
Composition of impaired loans by portfolio segment and by class of financing receivable
Total loans receivable	1,870,843	2,008,601
Allowance for credit losses	22,389	26,911	23,059	15,483
Nonaccrual loans	4,829	4,816	3,771
Loans 90 days past due and accruing	0	44
Personal Banking | Consumer loans
Composition of impaired loans by portfolio segment and by class of financing receivable
Total loans receivable	124,242	117,426
Allowance for credit losses	1,883	1,199	665	2,884
Nonaccrual loans	199	229	256
Loans 90 days past due and accruing	578	722
Commercial Banking
Composition of impaired loans by portfolio segment and by class of financing receivable
Total loans receivable	4,857,264	4,632,739
Allowance for credit losses	73,355	73,537	69,149	71,201
Nonaccrual loans	46,090	76,120	65,490
Loans 90 days past due and accruing	78	235
Commercial Banking | Commercial real estate loans
Composition of impaired loans by portfolio segment and by class of financing receivable
Total loans receivable	2,495,726	2,628,457
Allowance for credit losses	44,328	51,267	44,506	54,141
Nonaccrual loans	36,183	71,297	62,239
Loans 90 days past due and accruing	0	225
Commercial Banking | Commercial real estate loans - owner occupied
Composition of impaired loans by portfolio segment and by class of financing receivable
Total loans receivable	354,136	345,553
Allowance for credit losses	3,882	3,775	4,004	3,883
Nonaccrual loans	784	676	624
Loans 90 days past due and accruing	0	0
Commercial Banking | Commercial loans
Composition of impaired loans by portfolio segment and by class of financing receivable
Total loans receivable	2,007,402	1,658,729
Allowance for credit losses	25,145	18,495	20,639	$ 13,177
Nonaccrual loans	9,123	4,147	$ 2,627
Loans 90 days past due and accruing	$ 78	$ 10

Loans Receivable - Composition

Loans Receivable - Composition of Impaired Loans by Portfolio Segment and Class of Financing Receivable (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans at beginning balance	$ 94,384,000	$ 81,236,000
Financing Receivable, Excluding Accrued Interest, Nonaccrual	45,014,000	68,835,000
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	16,387,000	25,549,000
Nonaccrual loans at ending balance	61,401,000	94,384,000
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	656,000	2,698,000
Interest income on nonaccrual and troubled debt restructuring loans	0	0
Amortized cost basis of collateral-dependent loans	32,101,000	67,084,000
Personal Banking
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans at beginning balance	18,264,000	15,746,000
Financing Receivable, Excluding Accrued Interest, Nonaccrual	13,946,000	16,804,000
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	1,365,000	1,460,000
Nonaccrual loans at ending balance	15,311,000	18,264,000
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	578,000	2,463,000
Commercial Banking
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans at beginning balance	76,120,000	65,490,000
Financing Receivable, Excluding Accrued Interest, Nonaccrual	31,068,000	52,031,000
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	15,022,000	24,089,000
Nonaccrual loans at ending balance	46,090,000	76,120,000
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	78,000	235,000
Amortized cost basis of collateral-dependent loans	32,101,000	67,084,000
Residential mortgage loans | Personal Banking
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans at beginning balance	8,727,000	7,574,000
Financing Receivable, Excluding Accrued Interest, Nonaccrual	6,590,000	8,304,000
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	361,000	423,000
Nonaccrual loans at ending balance	6,951,000	8,727,000
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	0	1,671,000
Home equity loans | Personal Banking
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans at beginning balance	4,492,000	4,145,000
Financing Receivable, Excluding Accrued Interest, Nonaccrual	3,200,000	4,084,000
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	132,000	408,000
Nonaccrual loans at ending balance	3,332,000	4,492,000
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	0	26,000
Vehicle loans | Personal Banking
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans at beginning balance	4,816,000	3,771,000
Financing Receivable, Excluding Accrued Interest, Nonaccrual	3,958,000	4,187,000
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	871,000	629,000
Nonaccrual loans at ending balance	4,829,000	4,816,000
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	0	44,000
Consumer loans | Personal Banking
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans at beginning balance	229,000	256,000
Financing Receivable, Excluding Accrued Interest, Nonaccrual	198,000	229,000
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	1,000	0
Nonaccrual loans at ending balance	199,000	229,000
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	578,000	722,000
Commercial real estate loans | Commercial Banking
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans at beginning balance	71,297,000	62,239,000
Financing Receivable, Excluding Accrued Interest, Nonaccrual	22,813,000	47,359,000
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	13,370,000	23,938,000
Nonaccrual loans at ending balance	36,183,000	71,297,000
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	0	225,000
Amortized cost basis of collateral-dependent loans	28,246,000	66,934,000
Commercial real estate loans - owner occupied | Commercial Banking
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans at beginning balance	676,000	624,000
Financing Receivable, Excluding Accrued Interest, Nonaccrual	784,000	676,000
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	0	0
Nonaccrual loans at ending balance	784,000	676,000
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	0	0
Commercial loans | Commercial Banking
Composition of impaired loans by portfolio segment and by class of financing receivable
Nonaccrual loans at beginning balance	4,147,000	2,627,000
Financing Receivable, Excluding Accrued Interest, Nonaccrual	7,471,000	3,996,000
Financing Receivable, Excluding Accrued Interest, Nonaccrual, No Allowance	1,652,000	151,000
Nonaccrual loans at ending balance	9,123,000	4,147,000
Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing	78,000	10,000
Amortized cost basis of collateral-dependent loans	3,855,000	150,000
Real estate
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	27,907,000	67,084,000
Real estate | Commercial Banking
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	27,907,000	67,084,000
Real estate | Commercial real estate loans | Commercial Banking
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	27,907,000	66,934,000
Real estate | Commercial loans | Commercial Banking
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	0	$ 150,000
Equipment
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	1,651,000
Equipment | Commercial Banking
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	1,651,000
Equipment | Commercial real estate loans | Commercial Banking
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	0
Equipment | Commercial loans | Commercial Banking
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	1,651,000
Other
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	2,543,000
Other | Commercial Banking
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	2,543,000
Other | Commercial real estate loans | Commercial Banking
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	339,000
Other | Commercial loans | Commercial Banking
Composition of impaired loans by portfolio segment and by class of financing receivable
Amortized cost basis of collateral-dependent loans	$ 2,204,000

Loans Receivable - Amortized Co

Loans Receivable - Amortized Cost Basis of Loans Modified (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Troubled debt restructurings
Total class of financing receivable	0.03%	0.01%
Payment delay
Troubled debt restructurings
Loans modified in period	$ 459	$ 363
Term extension
Troubled debt restructurings
Loans modified in period	1,733	984
Interest rate reduction
Troubled debt restructurings
Loans modified in period	664
Combination term extension and interest rate reduction
Troubled debt restructurings
Loans modified in period	$ 162	$ 87
Personal Banking
Troubled debt restructurings
Total class of financing receivable	0.03%	0.02%
Personal Banking | Payment delay
Troubled debt restructurings
Loans modified in period	$ 191	$ 363
Personal Banking | Term extension
Troubled debt restructurings
Loans modified in period	1,508	902
Personal Banking | Interest rate reduction
Troubled debt restructurings
Loans modified in period	0
Personal Banking | Combination term extension and interest rate reduction
Troubled debt restructurings
Loans modified in period	$ 154	$ 87
Personal Banking | Residential mortgage loans
Troubled debt restructurings
Total class of financing receivable	0.04%	0.03%
Personal Banking | Residential mortgage loans | Payment delay
Troubled debt restructurings
Loans modified in period	$ 191	$ 363
Personal Banking | Residential mortgage loans | Term extension
Troubled debt restructurings
Loans modified in period	967	499
Personal Banking | Residential mortgage loans | Interest rate reduction
Troubled debt restructurings
Loans modified in period	0
Personal Banking | Residential mortgage loans | Combination term extension and interest rate reduction
Troubled debt restructurings
Loans modified in period	$ 0	$ 0
Personal Banking | Home equity loans
Troubled debt restructurings
Total class of financing receivable	0.06%	0.04%
Personal Banking | Home equity loans | Payment delay
Troubled debt restructurings
Loans modified in period	$ 0	$ 0
Personal Banking | Home equity loans | Term extension
Troubled debt restructurings
Loans modified in period	541	403
Personal Banking | Home equity loans | Interest rate reduction
Troubled debt restructurings
Loans modified in period	0
Personal Banking | Home equity loans | Combination term extension and interest rate reduction
Troubled debt restructurings
Loans modified in period	$ 142	$ 84
Personal Banking | Consumer loans
Troubled debt restructurings
Total class of financing receivable	0.01%	0%
Personal Banking | Consumer loans | Payment delay
Troubled debt restructurings
Loans modified in period	$ 0	$ 0
Personal Banking | Consumer loans | Term extension
Troubled debt restructurings
Loans modified in period	0
Personal Banking | Consumer loans | Interest rate reduction
Troubled debt restructurings
Loans modified in period	0
Personal Banking | Consumer loans | Combination term extension and interest rate reduction
Troubled debt restructurings
Loans modified in period	$ 12	$ 3
Commercial Banking
Troubled debt restructurings
Total class of financing receivable	0.02%	0%
Commercial Banking | Payment delay
Troubled debt restructurings
Loans modified in period	$ 268	$ 0
Commercial Banking | Term extension
Troubled debt restructurings
Loans modified in period	225	82
Commercial Banking | Interest rate reduction
Troubled debt restructurings
Loans modified in period	664
Commercial Banking | Combination term extension and interest rate reduction
Troubled debt restructurings
Loans modified in period	$ 8	$ 0
Commercial Banking | Commercial real estate loans
Troubled debt restructurings
Total class of financing receivable	0.02%	0%
Commercial Banking | Commercial real estate loans | Payment delay
Troubled debt restructurings
Loans modified in period	$ 268	$ 0
Commercial Banking | Commercial real estate loans | Term extension
Troubled debt restructurings
Loans modified in period	191	71
Commercial Banking | Commercial real estate loans | Interest rate reduction
Troubled debt restructurings
Loans modified in period	0
Commercial Banking | Commercial real estate loans | Combination term extension and interest rate reduction
Troubled debt restructurings
Loans modified in period	$ 0	$ 0
Commercial Banking | Commercial real estate loans - owner occupied
Troubled debt restructurings
Total class of financing receivable	0.19%	0%
Commercial Banking | Commercial real estate loans - owner occupied | Payment delay
Troubled debt restructurings
Loans modified in period	$ 0	$ 0
Commercial Banking | Commercial real estate loans - owner occupied | Term extension
Troubled debt restructurings
Loans modified in period	0
Commercial Banking | Commercial real estate loans - owner occupied | Interest rate reduction
Troubled debt restructurings
Loans modified in period	664
Commercial Banking | Commercial real estate loans - owner occupied | Combination term extension and interest rate reduction
Troubled debt restructurings
Loans modified in period	$ 0
Commercial Banking | Commercial loans
Troubled debt restructurings
Total class of financing receivable	0%	0%
Commercial Banking | Commercial loans | Payment delay
Troubled debt restructurings
Loans modified in period	$ 0	$ 0
Commercial Banking | Commercial loans | Term extension
Troubled debt restructurings
Loans modified in period	34	11
Commercial Banking | Commercial loans | Interest rate reduction
Troubled debt restructurings
Loans modified in period	0
Commercial Banking | Commercial loans | Combination term extension and interest rate reduction
Troubled debt restructurings
Loans modified in period	$ 8	$ 0

Loans Receivable - Financing Re

Loans Receivable - Financing Receivable Weighted Average Modified Period (Details)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Troubled debt restructurings
Weighted-average interest rate reduction	2%	17%
Weighted-average term extension in months	125 months	113 months
Payment deferral (months)	7 months	6 months
Personal Banking
Troubled debt restructurings
Weighted-average interest rate reduction	3%	17%
Weighted-average term extension in months	128 months	118 months
Payment deferral (months)	9 months	0 months
Personal Banking | Residential mortgage loans
Troubled debt restructurings
Weighted-average interest rate reduction	0%	0%
Weighted-average term extension in months	151 months	142 months
Payment deferral (months)	9 months	6 months
Personal Banking | Home equity loans
Troubled debt restructurings
Weighted-average interest rate reduction	2%	5%
Weighted-average term extension in months	97 months	92 months
Payment deferral (months)	0 months	0 months
Personal Banking | Consumer loans
Troubled debt restructurings
Weighted-average interest rate reduction	6%	12%
Weighted-average term extension in months	66 months	356 months
Payment deferral (months)	0 months	0 months
Commercial Banking
Troubled debt restructurings
Weighted-average interest rate reduction	2%	0%
Weighted-average term extension in months	101 months	52 months
Payment deferral (months)	5 months	0 months
Commercial Banking | Commercial real estate loans
Troubled debt restructurings
Weighted-average interest rate reduction	0%	0%
Weighted-average term extension in months	117 months	57 months
Payment deferral (months)	5 months	0 months
Commercial Banking | Commercial real estate loans - owner occupied
Troubled debt restructurings
Weighted-average interest rate reduction	2%	0%
Weighted-average term extension in months	0 months	0 months
Payment deferral (months)	0 months	0 months
Commercial Banking | Commercial loans
Troubled debt restructurings
Weighted-average interest rate reduction	4%	0%
Weighted-average term extension in months	31 months	23 months
Payment deferral (months)	0 months	0 months

Loans Receivable - Performance

Loans Receivable - Performance of Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Current
Troubled debt restructurings
Loans modified in period	$ 1,512	$ 698
30-59 days delinquent
Troubled debt restructurings
Loans modified in period	120	365
60-89 days delinquent
Troubled debt restructurings
Loans modified in period	9	8
90 days or greater delinquent
Troubled debt restructurings
Loans modified in period	475	363
Personal Banking | Current
Troubled debt restructurings
Loans modified in period	652	616
Personal Banking | 30-59 days delinquent
Troubled debt restructurings
Loans modified in period	120	365
Personal Banking | 60-89 days delinquent
Troubled debt restructurings
Loans modified in period	9	8
Personal Banking | 90 days or greater delinquent
Troubled debt restructurings
Loans modified in period	207	363
Personal Banking | Residential mortgage loans | Current
Troubled debt restructurings
Loans modified in period	490	148
Personal Banking | Residential mortgage loans | 30-59 days delinquent
Troubled debt restructurings
Loans modified in period	0	342
Personal Banking | Residential mortgage loans | 60-89 days delinquent
Troubled debt restructurings
Loans modified in period	9	8
Personal Banking | Residential mortgage loans | 90 days or greater delinquent
Troubled debt restructurings
Loans modified in period	191	363
Personal Banking | Home equity loans | Current
Troubled debt restructurings
Loans modified in period	152	465
Personal Banking | Home equity loans | 30-59 days delinquent
Troubled debt restructurings
Loans modified in period	120	23
Personal Banking | Home equity loans | 60-89 days delinquent
Troubled debt restructurings
Loans modified in period	0	0
Personal Banking | Home equity loans | 90 days or greater delinquent
Troubled debt restructurings
Loans modified in period	16	0
Personal Banking | Consumer loans | Current
Troubled debt restructurings
Loans modified in period	10	3
Personal Banking | Consumer loans | 30-59 days delinquent
Troubled debt restructurings
Loans modified in period	0	0
Personal Banking | Consumer loans | 60-89 days delinquent
Troubled debt restructurings
Loans modified in period	0	0
Personal Banking | Consumer loans | 90 days or greater delinquent
Troubled debt restructurings
Loans modified in period	0	0
Commercial Banking | Current
Troubled debt restructurings
Loans modified in period	860	82
Commercial Banking | 30-59 days delinquent
Troubled debt restructurings
Loans modified in period	0	0
Commercial Banking | 60-89 days delinquent
Troubled debt restructurings
Loans modified in period	0	0
Commercial Banking | 90 days or greater delinquent
Troubled debt restructurings
Loans modified in period	268	0
Commercial Banking | Commercial real estate loans | Current
Troubled debt restructurings
Loans modified in period	153	71
Commercial Banking | Commercial real estate loans | 30-59 days delinquent
Troubled debt restructurings
Loans modified in period	0	0
Commercial Banking | Commercial real estate loans | 60-89 days delinquent
Troubled debt restructurings
Loans modified in period	0	0
Commercial Banking | Commercial real estate loans | 90 days or greater delinquent
Troubled debt restructurings
Loans modified in period	268	0
Commercial Banking | Commercial real estate loans - owner occupied | Current
Troubled debt restructurings
Loans modified in period	664
Commercial Banking | Commercial real estate loans - owner occupied | 30-59 days delinquent
Troubled debt restructurings
Loans modified in period	0
Commercial Banking | Commercial real estate loans - owner occupied | 60-89 days delinquent
Troubled debt restructurings
Loans modified in period	0
Commercial Banking | Commercial real estate loans - owner occupied | 90 days or greater delinquent
Troubled debt restructurings
Loans modified in period	0
Commercial Banking | Commercial loans | Current
Troubled debt restructurings
Loans modified in period	43	11
Commercial Banking | Commercial loans | 30-59 days delinquent
Troubled debt restructurings
Loans modified in period	0	0
Commercial Banking | Commercial loans | 60-89 days delinquent
Troubled debt restructurings
Loans modified in period	0	0
Commercial Banking | Commercial loans | 90 days or greater delinquent
Troubled debt restructurings
Loans modified in period	$ 0	$ 0

Loans Receivable - Schedule o_2

Loans Receivable - Schedule of Amortized Cost Basis of Financing Receivables that had a Payment Default (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Term extension
Allowance for loan losses
Loans modified, subsequent default	$ 16
Loans modified in period	1,733	$ 984
Combination term extension and interest rate reduction
Allowance for loan losses
Loans modified, subsequent default	459
Loans modified in period	162	87
Payment delay
Allowance for loan losses
Loans modified in period	459	363
Personal Banking | Term extension
Allowance for loan losses
Loans modified, subsequent default	16
Loans modified in period	1,508	902
Personal Banking | Combination term extension and interest rate reduction
Allowance for loan losses
Loans modified, subsequent default	191
Loans modified in period	154	87
Personal Banking | Payment delay
Allowance for loan losses
Loans modified in period	191	363
Personal Banking | Residential mortgage loans | Term extension
Allowance for loan losses
Loans modified, subsequent default	0
Loans modified in period	967	499
Personal Banking | Residential mortgage loans | Combination term extension and interest rate reduction
Allowance for loan losses
Loans modified, subsequent default	191
Loans modified in period	0	0
Personal Banking | Residential mortgage loans | Payment delay
Allowance for loan losses
Loans modified in period	191	363
Personal Banking | Home equity loans | Term extension
Allowance for loan losses
Loans modified, subsequent default	16
Loans modified in period	541	403
Personal Banking | Home equity loans | Combination term extension and interest rate reduction
Allowance for loan losses
Loans modified, subsequent default	0
Loans modified in period	142	84
Personal Banking | Home equity loans | Payment delay
Allowance for loan losses
Loans modified in period	0	0
Commercial Banking | Term extension
Allowance for loan losses
Loans modified, subsequent default	0
Loans modified in period	225	82
Commercial Banking | Combination term extension and interest rate reduction
Allowance for loan losses
Loans modified, subsequent default	268
Loans modified in period	8	0
Commercial Banking | Payment delay
Allowance for loan losses
Loans modified in period	268	0
Commercial Banking | Commercial real estate loans | Term extension
Allowance for loan losses
Loans modified, subsequent default	0
Loans modified in period	191	71
Commercial Banking | Commercial real estate loans | Combination term extension and interest rate reduction
Allowance for loan losses
Loans modified, subsequent default	268
Loans modified in period	0	0
Commercial Banking | Commercial real estate loans | Payment delay
Allowance for loan losses
Loans modified in period	$ 268	$ 0

Loans Receivable - Loan Delinqu

Loans Receivable - Loan Delinquencies (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Loan payment delinquencies
Total loans receivable	$ 11,180,014	$ 11,406,041
90 days or greater delinquent and accruing	656	2,698
Total delinquency
Loan payment delinquencies
Total loans receivable	100,016	93,270
30-59 days delinquent
Loan payment delinquencies
Total loans receivable	56,004	54,413
60-89 days delinquent
Loan payment delinquencies
Total loans receivable	17,827	14,266
90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	26,185	24,591
Current
Loan payment delinquencies
Total loans receivable	11,079,998	11,312,771
Personal Banking
Loan payment delinquencies
Total loans receivable	6,322,750	6,773,302
90 days or greater delinquent and accruing	578	2,463
Personal Banking | Total delinquency
Loan payment delinquencies
Total loans receivable	71,491	74,644
Personal Banking | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	45,157	47,013
Personal Banking | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	15,186	12,532
Personal Banking | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	11,148	15,099
Personal Banking | Current
Loan payment delinquencies
Total loans receivable	6,251,259	6,698,658
Personal Banking | Residential mortgage loans
Loan payment delinquencies
Total loans receivable	3,178,269	3,419,417
90 days or greater delinquent and accruing	0	1,671
Personal Banking | Residential mortgage loans | Total delinquency
Loan payment delinquencies
Total loans receivable	43,733	45,832
Personal Banking | Residential mortgage loans | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	28,690	30,041
Personal Banking | Residential mortgage loans | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	10,112	7,796
Personal Banking | Residential mortgage loans | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	4,931	7,995
Personal Banking | Residential mortgage loans | Current
Loan payment delinquencies
Total loans receivable	3,134,536	3,373,585
Personal Banking | Home equity loans
Loan payment delinquencies
Total loans receivable	1,149,396	1,227,858
90 days or greater delinquent and accruing	0	26
Personal Banking | Home equity loans | Total delinquency
Loan payment delinquencies
Total loans receivable	9,049	9,869
Personal Banking | Home equity loans | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	5,365	5,761
Personal Banking | Home equity loans | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	1,434	982
Personal Banking | Home equity loans | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	2,250	3,126
Personal Banking | Home equity loans | Current
Loan payment delinquencies
Total loans receivable	1,140,347	1,217,989
Personal Banking | Vehicle loans
Loan payment delinquencies
Total loans receivable	1,870,843	2,008,601
90 days or greater delinquent and accruing	0	44
Personal Banking | Vehicle loans | Total delinquency
Loan payment delinquencies
Total loans receivable	16,690	16,759
Personal Banking | Vehicle loans | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	10,242	10,382
Personal Banking | Vehicle loans | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	3,257	3,326
Personal Banking | Vehicle loans | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	3,191	3,051
Personal Banking | Vehicle loans | Current
Loan payment delinquencies
Total loans receivable	1,854,153	1,991,842
Personal Banking | Consumer loans
Loan payment delinquencies
Total loans receivable	124,242	117,426
90 days or greater delinquent and accruing	578	722
Personal Banking | Consumer loans | Total delinquency
Loan payment delinquencies
Total loans receivable	2,019	2,184
Personal Banking | Consumer loans | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	860	829
Personal Banking | Consumer loans | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	383	428
Personal Banking | Consumer loans | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	776	927
Personal Banking | Consumer loans | Current
Loan payment delinquencies
Total loans receivable	122,223	115,242
Commercial Banking
Loan payment delinquencies
Total loans receivable	4,857,264	4,632,739
90 days or greater delinquent and accruing	78	235
Commercial Banking | Total delinquency
Loan payment delinquencies
Total loans receivable	28,525	18,626
Commercial Banking | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	10,847	7,400
Commercial Banking | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	2,641	1,734
Commercial Banking | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	15,037	9,492
Commercial Banking | Current
Loan payment delinquencies
Total loans receivable	4,828,739	4,614,113
Commercial Banking | Commercial real estate loans
Loan payment delinquencies
Total loans receivable	2,495,726	2,628,457
90 days or greater delinquent and accruing	0	225
Commercial Banking | Commercial real estate loans | Total delinquency
Loan payment delinquencies
Total loans receivable	13,659	9,576
Commercial Banking | Commercial real estate loans | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	5,100	2,010
Commercial Banking | Commercial real estate loans | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	857	1,031
Commercial Banking | Commercial real estate loans | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	7,702	6,535
Commercial Banking | Commercial real estate loans | Current
Loan payment delinquencies
Total loans receivable	2,482,067	2,618,881
Commercial Banking | Commercial real estate loans - owner occupied
Loan payment delinquencies
Total loans receivable	354,136	345,553
90 days or greater delinquent and accruing	0	0
Commercial Banking | Commercial real estate loans - owner occupied | Total delinquency
Loan payment delinquencies
Total loans receivable	173	1,371
Commercial Banking | Commercial real estate loans - owner occupied | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	115	1,194
Commercial Banking | Commercial real estate loans - owner occupied | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	58	0
Commercial Banking | Commercial real estate loans - owner occupied | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	0	177
Commercial Banking | Commercial real estate loans - owner occupied | Current
Loan payment delinquencies
Total loans receivable	353,963	344,182
Commercial Banking | Commercial loans
Loan payment delinquencies
Total loans receivable	2,007,402	1,658,729
90 days or greater delinquent and accruing	78	10
Commercial Banking | Commercial loans | Total delinquency
Loan payment delinquencies
Total loans receivable	14,693	7,679
Commercial Banking | Commercial loans | 30-59 days delinquent
Loan payment delinquencies
Total loans receivable	5,632	4,196
Commercial Banking | Commercial loans | 60-89 days delinquent
Loan payment delinquencies
Total loans receivable	1,726	703
Commercial Banking | Commercial loans | 90 days or greater delinquent
Loan payment delinquencies
Total loans receivable	7,335	2,780
Commercial Banking | Commercial loans | Current
Loan payment delinquencies
Total loans receivable	$ 1,992,709	$ 1,651,050

Loans Receivable - Credit Quali

Loans Receivable - Credit Quality Indicators (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Credit quality indicators
Year one	$ 1,687,058	$ 1,675,797
Year two	1,388,204	2,448,570
Year three	1,938,511	1,785,396
Year four	1,471,128	1,190,115
Year five	1,004,890	762,754
Prior	2,526,942	2,364,506
Revolving loans	1,084,758	1,099,359
Revolving loans converted to term loans	78,523	79,544
Total loans receivable, gross	11,180,014	11,406,041
Total loans receivable, charge-offs	(47,102)	(21,024)	$ (20,931)
Revolving loans converted to term loans during the period	16,000	18,900
Personal Banking
Credit quality indicators
Year one	706,561	938,664
Year two	721,774	1,463,153
Year three	1,166,567	1,303,418
Year four	1,066,875	788,790
Year five	656,604	408,938
Prior	1,414,621	1,294,629
Revolving loans	542,726	530,255
Revolving loans converted to term loans	47,022	45,455
Total loans receivable, gross	6,322,750	6,773,302
Total loans receivable, charge-offs	(17,319)	(14,492)	(11,908)
Personal Banking | Residential mortgage loans
Credit quality indicators
Year one	28,841	177,313
Year two	194,318	666,960
Year three	629,392	792,488
Year four	746,413	507,320
Year five	467,209	244,989
Prior	1,112,096	1,030,347
Revolving loans	0	0
Revolving loans converted to term loans	0	0
Total loans receivable, gross	3,178,269	3,419,417
Year one, charge-offs	0	0
Year two, charge-offs	0	(9)
Year three, charge-offs	(387)	(5)
Year four, charge-offs	0	(130)
Year five, charge-offs	(114)	(23)
Prior, charge-offs	(344)	(1,022)
Revolving loans, charge-offs	0	0
Revolving loans converted to term loans, charge-offs	0	0
Total loans receivable, charge-offs	(845)	(1,189)	(2,033)
Personal Banking | Residential mortgage loans | Pass
Credit quality indicators
Year one	28,841	177,313
Year two	194,267	665,379
Year three	628,285	792,488
Year four	745,949	506,068
Year five	466,888	244,678
Prior	1,103,217	1,019,152
Revolving loans	0	0
Revolving loans converted to term loans	0	0
Total loans receivable, gross	3,167,447	3,405,078
Personal Banking | Residential mortgage loans | Substandard
Credit quality indicators
Year one	0	0
Year two	51	1,581
Year three	1,107	0
Year four	464	1,252
Year five	321	311
Prior	8,879	11,195
Revolving loans	0	0
Revolving loans converted to term loans	0	0
Total loans receivable, gross	10,822	14,339
Personal Banking | Home equity loans
Credit quality indicators
Year one	33,534	71,497
Year two	58,234	100,875
Year three	85,482	106,097
Year four	88,317	146,318
Year five	124,098	94,179
Prior	236,270	198,992
Revolving loans	477,093	465,315
Revolving loans converted to term loans	46,368	44,585
Total loans receivable, gross	1,149,396	1,227,858
Year one, charge-offs	0	0
Year two, charge-offs	0	(53)
Year three, charge-offs	(40)	(46)
Year four, charge-offs	(2)	0
Year five, charge-offs	(197)	(48)
Prior, charge-offs	(558)	(352)
Revolving loans, charge-offs	(608)	(144)
Revolving loans converted to term loans, charge-offs	(331)	(209)
Total loans receivable, charge-offs	(1,736)	(852)	(1,469)
Personal Banking | Home equity loans | Pass
Credit quality indicators
Year one	33,534	71,497
Year two	58,234	100,639
Year three	85,308	106,043
Year four	88,226	146,121
Year five	124,046	94,144
Prior	234,918	197,259
Revolving loans	476,013	463,868
Revolving loans converted to term loans	45,577	43,526
Total loans receivable, gross	1,145,856	1,223,097
Personal Banking | Home equity loans | Substandard
Credit quality indicators
Year one	0	0
Year two	0	236
Year three	174	54
Year four	91	197
Year five	52	35
Prior	1,352	1,733
Revolving loans	1,080	1,447
Revolving loans converted to term loans	791	1,059
Total loans receivable, gross	3,540	4,761
Personal Banking | Vehicle loans
Credit quality indicators
Year one	616,787	665,522
Year two	454,384	683,693
Year three	445,339	399,262
Year four	229,438	133,074
Year five	64,555	68,409
Prior	60,340	58,641
Revolving loans	0	0
Revolving loans converted to term loans	0	0
Total loans receivable, gross	1,870,843	2,008,601
Year one, charge-offs	(454)	(678)
Year two, charge-offs	(2,197)	(1,844)
Year three, charge-offs	(2,626)	(1,967)
Year four, charge-offs	(2,087)	(475)
Year five, charge-offs	(414)	(652)
Prior, charge-offs	(1,031)	(852)
Revolving loans, charge-offs	0	0
Revolving loans converted to term loans, charge-offs	0	0
Total loans receivable, charge-offs	(8,809)	(6,468)	(3,621)
Personal Banking | Vehicle loans | Pass
Credit quality indicators
Year one	616,515	664,876
Year two	452,912	682,275
Year three	443,997	397,809
Year four	228,309	132,775
Year five	64,332	67,853
Prior	59,950	58,153
Revolving loans	0	0
Revolving loans converted to term loans	0	0
Total loans receivable, gross	1,866,015	2,003,741
Personal Banking | Vehicle loans | Substandard
Credit quality indicators
Year one	272	646
Year two	1,472	1,418
Year three	1,342	1,453
Year four	1,129	299
Year five	223	556
Prior	390	488
Revolving loans	0	0
Revolving loans converted to term loans	0	0
Total loans receivable, gross	4,828	4,860
Personal Banking | Consumer loans
Credit quality indicators
Year one	27,399	24,332
Year two	14,838	11,625
Year three	6,354	5,571
Year four	2,707	2,078
Year five	742	1,361
Prior	5,915	6,649
Revolving loans	65,633	64,940
Revolving loans converted to term loans	654	870
Total loans receivable, gross	124,242	117,426
Year one, charge-offs	(1,106)	(3,412)
Year two, charge-offs	(2,015)	(511)
Year three, charge-offs	(678)	(390)
Year four, charge-offs	(285)	(157)
Year five, charge-offs	(116)	(177)
Prior, charge-offs	(1,044)	(981)
Revolving loans, charge-offs	(651)	(317)
Revolving loans converted to term loans, charge-offs	(34)	(38)
Total loans receivable, charge-offs	(5,929)	(5,983)	(4,785)
Personal Banking | Consumer loans | Pass
Credit quality indicators
Year one	27,363	24,277
Year two	14,779	11,582
Year three	6,330	5,552
Year four	2,707	2,072
Year five	735	1,355
Prior	5,914	6,603
Revolving loans	65,055	64,214
Revolving loans converted to term loans	581	820
Total loans receivable, gross	123,464	116,475
Personal Banking | Consumer loans | Substandard
Credit quality indicators
Year one	36	55
Year two	59	43
Year three	24	19
Year four	0	6
Year five	7	6
Prior	1	46
Revolving loans	578	726
Revolving loans converted to term loans	73	50
Total loans receivable, gross	778	951
Commercial Banking
Credit quality indicators
Year one	980,497	737,133
Year two	666,430	985,417
Year three	771,944	481,978
Year four	404,253	401,325
Year five	348,286	353,816
Prior	1,112,321	1,069,877
Revolving loans	542,032	569,104
Revolving loans converted to term loans	31,501	34,089
Total loans receivable, gross	4,857,264	4,632,739
Total loans receivable, charge-offs	(29,783)	(6,532)	(9,023)
Commercial Banking | Commercial real estate loans
Credit quality indicators
Year one	189,670	228,074
Year two	259,352	496,247
Year three	460,820	358,594
Year four	325,753	356,152
Year five	320,196	269,479
Prior	889,182	866,626
Revolving loans	27,102	28,373
Revolving loans converted to term loans	23,651	24,912
Total loans receivable, gross	2,495,726	2,628,457
Year one, charge-offs	(102)	(14)
Year two, charge-offs	(686)	0
Year three, charge-offs	(2,522)	(492)
Year four, charge-offs	(360)	0
Year five, charge-offs	(619)	(51)
Prior, charge-offs	(11,032)	(1,741)
Revolving loans, charge-offs	0	0
Revolving loans converted to term loans, charge-offs	0	0
Total loans receivable, charge-offs	(15,321)	(2,298)	(7,366)
Commercial Banking | Commercial real estate loans | Pass
Credit quality indicators
Year one	189,670	223,335
Year two	252,202	470,762
Year three	430,653	303,873
Year four	258,681	332,620
Year five	286,457	228,382
Prior	803,111	745,244
Revolving loans	26,690	27,583
Revolving loans converted to term loans	23,578	24,804
Total loans receivable, gross	2,271,042	2,356,603
Commercial Banking | Commercial real estate loans | Special Mention
Credit quality indicators
Year one	0	2,819
Year two	4,877	24,735
Year three	19,030	27,871
Year four	18,533	5,365
Year five	14,383	4,053
Prior	5,654	38,665
Revolving loans	237	711
Revolving loans converted to term loans	0	0
Total loans receivable, gross	62,714	104,219
Commercial Banking | Commercial real estate loans | Substandard
Credit quality indicators
Year one	0	1,920
Year two	2,273	750
Year three	11,137	26,850
Year four	48,539	18,167
Year five	19,356	37,044
Prior	80,417	82,717
Revolving loans	175	79
Revolving loans converted to term loans	73	108
Total loans receivable, gross	161,970	167,635
Commercial Banking | Commercial real estate loans - owner occupied
Credit quality indicators
Year one	53,831	25,946
Year two	27,990	52,106
Year three	40,059	48,991
Year four	47,004	17,650
Year five	14,889	47,646
Prior	165,071	147,768
Revolving loans	2,623	2,378
Revolving loans converted to term loans	2,669	3,068
Total loans receivable, gross	354,136	345,553
Year one, charge-offs	0	0
Year two, charge-offs	0	0
Year three, charge-offs	0	0
Year four, charge-offs	0	0
Year five, charge-offs	0	0
Prior, charge-offs	0	(68)
Revolving loans, charge-offs	0	0
Revolving loans converted to term loans, charge-offs	0	0
Total loans receivable, charge-offs	0	(68)	0
Commercial Banking | Commercial real estate loans - owner occupied | Pass
Credit quality indicators
Year one	53,831	24,725
Year two	14,252	51,986
Year three	32,095	47,655
Year four	46,911	15,984
Year five	11,933	28,614
Prior	141,211	140,175
Revolving loans	640	2,378
Revolving loans converted to term loans	0	2,390
Total loans receivable, gross	300,873	313,907
Commercial Banking | Commercial real estate loans - owner occupied | Special Mention
Credit quality indicators
Year one	0	1,221
Year two	1,166	120
Year three	2,231	1,218
Year four	93	0
Year five	0	14,386
Prior	5,165	2,952
Revolving loans	1,232	0
Revolving loans converted to term loans	0	0
Total loans receivable, gross	9,887	19,897
Commercial Banking | Commercial real estate loans - owner occupied | Substandard
Credit quality indicators
Year one	0	0
Year two	12,572	0
Year three	5,733	118
Year four	0	1,666
Year five	2,956	4,646
Prior	18,695	4,641
Revolving loans	751	0
Revolving loans converted to term loans	2,669	678
Total loans receivable, gross	43,376	11,749
Commercial Banking | Commercial loans
Credit quality indicators
Year one	736,996	483,113
Year two	379,088	437,064
Year three	271,065	74,393
Year four	31,496	27,523
Year five	13,201	36,691
Prior	58,068	55,483
Revolving loans	512,307	538,353
Revolving loans converted to term loans	5,181	6,109
Total loans receivable, gross	2,007,402	1,658,729
Year one, charge-offs	(1,456)	(35)
Year two, charge-offs	(6,752)	(2,072)
Year three, charge-offs	(4,301)	(517)
Year four, charge-offs	(235)	(430)
Year five, charge-offs	(522)	(205)
Prior, charge-offs	(916)	(845)
Revolving loans, charge-offs	(212)	(60)
Revolving loans converted to term loans, charge-offs	(68)	(2)
Total loans receivable, charge-offs	(14,462)	(4,166)	$ (1,657)
Commercial Banking | Commercial loans | Pass
Credit quality indicators
Year one	729,863	482,605
Year two	353,568	430,378
Year three	262,498	73,469
Year four	29,806	26,868
Year five	12,633	34,090
Prior	56,300	54,617
Revolving loans	475,333	531,742
Revolving loans converted to term loans	3,381	4,110
Total loans receivable, gross	1,923,382	1,637,879
Commercial Banking | Commercial loans | Special Mention
Credit quality indicators
Year one	0	508
Year two	3,914	3,671
Year three	3,898	52
Year four	627	299
Year five	479	240
Prior	7	26
Revolving loans	28,127	1,882
Revolving loans converted to term loans	11	0
Total loans receivable, gross	37,063	6,678
Commercial Banking | Commercial loans | Substandard
Credit quality indicators
Year one	7,133	0
Year two	21,606	3,015
Year three	4,669	872
Year four	1,063	356
Year five	89	2,361
Prior	1,761	840
Revolving loans	8,847	4,729
Revolving loans converted to term loans	1,789	1,999
Total loans receivable, gross	$ 46,957	$ 14,172

Loans Receivable - Off-Balance

Loans Receivable - Off-Balance Sheet Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Financial instruments with off-balance-sheet risk
Financial instruments with off-balance-sheet risk	$ 1,506,509	$ 1,430,775
Loans commitments
Financial instruments with off-balance-sheet risk
Financial instruments with off-balance-sheet risk	190,094	198,166
Undisbursed lines of credit
Financial instruments with off-balance-sheet risk
Financial instruments with off-balance-sheet risk	1,258,492	1,185,709
Standby letters of credit
Financial instruments with off-balance-sheet risk
Financial instruments with off-balance-sheet risk	$ 57,923	$ 46,900

Loans Receivable - Mortgage Ser

Loans Receivable - Mortgage Servicing Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Servicing rights
Servicing rights, beginning balance	$ 1,109	$ 7,802
Additions	558	788
MSR sale		(5,930)
Amortization	(433)	(1,551)
Servicing rights, ending balance	1,234	1,109
Valuation allowance
Valuation allowance, beginning balance	(8)	(7)
Additions	6	(1)
MSR sale		0
Valuation allowance, ending balance	(2)	(8)
Net carrying value and fair value
Net carrying and fair value, beginning balance	1,101	7,795
Additions	564	787
MSR sale		(5,930)
Amortization	(433)	(1,551)
Net carrying and fair value, ending balance	$ 1,232	$ 1,101

Accrued Interest Receivable (De

Accrued Interest Receivable (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Interest Receivable and Other Assets [Abstract]
Investment securities	$ 1,796	$ 1,795
FHLB dividends	392	637
Mortgage-backed securities	3,741	2,743
Loans receivable	40,427	42,178
Total	$ 46,356	$ 47,353

FHLB Stock (Details)

FHLB Stock (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Federal Home Loan Bank, Advance, Branch of FHLBank [Line Items]
Dividend received on capital stock	$ 2	$ 3
Federal Home Loan Bank of Pittsburgh
Federal Home Loan Bank, Advance, Branch of FHLBank [Line Items]
FHLB stock	18	27
Federal Home Loan Bank of Indianapolis
Federal Home Loan Bank, Advance, Branch of FHLBank [Line Items]
FHLB stock	$ 3	$ 3

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Property, Plant and Equipment [Abstract]
Depreciation and amortization expense	$ 11,000	$ 12,000	$ 12,000
Premises and Equipment
Total, at cost	311,257	321,408
Less accumulated depreciation and amortization	(187,011)	(182,570)
Premises and equipment, net	124,246	138,838
Land and land improvements
Premises and Equipment
Total, at cost	22,072	23,905
Office buildings and improvements
Premises and Equipment
Total, at cost	124,797	140,443
Furniture, fixtures and equipment
Premises and Equipment
Total, at cost	137,404	133,513
Leasehold improvements
Premises and Equipment
Total, at cost	$ 26,984	$ 23,547

Goodwill and Other Intangible_3

Goodwill and Other Intangible Assets - Schedule of Other Intangible Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Amortizable intangible assets:
Core deposit intangibles - net	$ 2,837	$ 5,290
Estimated amortization expense
Amortization expense	2,452	3,270	$ 4,277
For the year ending December 31, 2025	1,662
For the year ending December 31, 2026	871
For the year ending December 31, 2027	304
Core Deposits
Amortizable intangible assets:
Core deposit intangibles - gross	74,899	74,899
Less: accumulated amortization	(72,062)	(69,609)
Core deposit intangibles - net	$ 2,837	$ 5,290

Goodwill and Other Intangible_4

Goodwill and Other Intangible Assets - Changes in the Carrying Amount of Goodwill (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill	$ 380,997,000	$ 380,997,000
Goodwill impairment	$ 0	$ 0	$ 0

Deposits (Details)

Deposits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Deposits [Abstract]
Noninterest-bearing demand deposits	$ 2,621,415	$ 2,669,023
Interest-bearing demand deposits	2,666,504	2,634,546
Money market deposit accounts	2,007,739	1,968,218
Savings deposits	2,171,251	2,105,234
Time deposits	2,677,645	2,602,881
Total deposits	12,144,554	11,979,902
Brokered deposit	201,000	484,000
Aggregate amount of certificates of deposit with a minimum denomination of $100,000	1,100,000	950,000
Deposits in accounts exceeding $250,000	1,900,000	1,800,000
Contractual maturity of the certificate accounts
Due within 12 months	2,547,129	2,464,022
Due between 12 and 24 months	86,594	70,679
Due between 24 and 36 months	23,133	27,550
Due between 36 and 48 months	11,592	23,590
Due between 48 and 60 months	7,395	13,997
After 60 months	1,802	3,043
Total time deposits	2,677,645	2,602,881
Interest expense incurred on deposits
Interest-bearing demand deposits	27,394	11,606	$ 1,517
Money market deposit accounts	34,563	24,734	3,381
Savings deposits	24,222	8,822	2,339
Time deposits	119,313	60,181	6,883
Total interest expense on deposits	205,492	105,343	14,120
Interest expense on brokered deposits	$ 18,000	$ 8,000	$ 0

Borrowed Funds - Schedule of Bo

Borrowed Funds - Schedule of Borrowed Funds (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Borrowed funds	$ 200,331	$ 398,895
Collateralized borrowings, due within one year
Debt Instrument [Line Items]
Borrowed funds	$ 22,323	$ 35,495
Average rate	1.73%	1.72%
Collateral received, due within one year
Debt Instrument [Line Items]
Borrowed funds	$ 3,008	$ 24,900
Average rate	4.65%	5.26%
Federal Home Loan Bank of Pittsburgh | Term notes payable to the FHLB of Pittsburgh, due within one year
Debt Instrument [Line Items]
Borrowed funds	$ 175,000	$ 175,000
Average rate	4.64%	5.71%
Federal Home Loan Bank of Pittsburgh | Notes payable to the FHLB of Pittsburgh, due within one year
Debt Instrument [Line Items]
Borrowed funds	$ 0	$ 163,500
Average rate	0%	5.70%

Borrowed Funds - Narrative (Det

Borrowed Funds - Narrative (Details)		12 Months Ended
	Sep. 09, 2020 USD ($)	Dec. 31, 2024 USD ($) business_trust advance	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Debt Instrument [Line Items]
Total loans receivable, net		$ 11,063,195,000	$ 11,280,798,000
Borrowed funds		200,331,000	398,895,000
Subordinated debt		$ 114,538,000	114,189,000
Number Of Business Trusts Owned | business_trust		7
Trust Preferred Securities Subject to Mandatory Redemption
Debt Instrument [Line Items]
Interest paid, net		$ 10,000,000	9,000,000	$ 5,000,000
Maximum period for which interest payment on the subordinated debentures can be deferred (in years)		5 years
Interest deferral		$ 0
Collateralized borrowings, due within one year
Debt Instrument [Line Items]
Borrowed funds		22,323,000	35,495,000
Cash and securities collateral		36,000,000
Collateral received, due within one year
Debt Instrument [Line Items]
Borrowed funds		3,008,000	24,900,000
Subordinated Debt
Debt Instrument [Line Items]
Debt issued	$ 125,000,000
Stated rate (as a percent)	4%
Basis spread on variable rate (as a percent)	3.89%
Amount repurchased				10,000,000
Amount outstanding after repurchase		115,000,000
Debt issuance costs	$ 2,000,000
Debt issuance amortization period (in years)	5 years
Interest paid, net		$ 5,000,000	5,000,000	$ 5,000,000
Federal Home Loan Bank of Pittsburgh
Debt Instrument [Line Items]
Number of advances | advance		7
Federal Home Loan Bank of Pittsburgh | Line of Credit
Debt Instrument [Line Items]
Maximum commitment		$ 250,000,000
Long-term line of credit		0	164,000,000
Federal Home Loan Bank of Pittsburgh | Term notes payable to the FHLB of Pittsburgh, due within one year
Debt Instrument [Line Items]
Borrowed funds		175,000,000	$ 175,000,000
Federal Home Loan Bank of Pittsburgh | Term notes payable to the FHLB of Pittsburgh, due within one year | Debt Instrument, Redemption, Period One
Debt Instrument [Line Items]
Debt issued		25,000,000
Federal Home Loan Bank of Pittsburgh | Term notes payable to the FHLB of Pittsburgh, due within one year | Debt Instrument, Redemption, Period Two
Debt Instrument [Line Items]
Debt issued		25,000,000
Federal Home Loan Bank of Pittsburgh | Term notes payable to the FHLB of Pittsburgh, due within one year | Debt Instrument, Redemption, Period Three
Debt Instrument [Line Items]
Debt issued		25,000,000
Federal Home Loan Bank of Pittsburgh | Term notes payable to the FHLB of Pittsburgh, due within one year | Debt Instrument, Redemption, Period Four
Debt Instrument [Line Items]
Debt issued		25,000,000
Federal Home Loan Bank of Pittsburgh | Term notes payable to the FHLB of Pittsburgh, due within one year | Debt Instrument, Redemption, Period Five
Debt Instrument [Line Items]
Debt issued		25,000,000
Federal Home Loan Bank of Pittsburgh | Term notes payable to the FHLB of Pittsburgh, due within one year | Debt Instrument, Redemption, Period Six
Debt Instrument [Line Items]
Debt issued		25,000,000
Federal Home Loan Bank of Pittsburgh | Term notes payable to the FHLB of Pittsburgh, due within one year | Debt Instrument, Redemption, Period Seven
Debt Instrument [Line Items]
Debt issued		25,000,000
Residential First Mortgage and Other Loans | Federal Home Loan Bank of Pittsburgh
Debt Instrument [Line Items]
Total loans receivable, net		$ 5,700,000,000

Borrowed Funds - Schedule of Ca

Borrowed Funds - Schedule of Capital Debt Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Junior subordinated debentures	$ 129,834	$ 129,574
Trust Preferred Securities Subject to Mandatory Redemption
Debt Instrument [Line Items]
Capital debt securities	128,875
Junior subordinated debentures	$ 129,834	129,574
Trust Preferred Securities Subject to Mandatory Redemption | Northwest Bancorp Capital Trust III
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	1.38%
Capital debt securities	$ 50,000
Junior subordinated debentures	$ 51,547	51,547
Trust Preferred Securities Subject to Mandatory Redemption | Northwest Bancorp Statutory Trust IV
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	1.38%
Capital debt securities	$ 50,000
Junior subordinated debentures	$ 51,547	51,547
Trust Preferred Securities Subject to Mandatory Redemption | LNB Trust II
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	1.48%
Capital debt securities	$ 7,875
Junior subordinated debentures	$ 8,119	8,119
Trust Preferred Securities Subject to Mandatory Redemption | Union National Capital Trust I
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	2.85%
Capital debt securities	$ 8,000
Junior subordinated debentures	$ 8,024	7,999
Trust Preferred Securities Subject to Mandatory Redemption | Union National Capital Trust II
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	2%
Capital debt securities	$ 3,000
Junior subordinated debentures	$ 2,823	2,796
Trust Preferred Securities Subject to Mandatory Redemption | M F B C Statutory Trust I
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	1.70%
Capital debt securities	$ 5,000
Junior subordinated debentures	$ 3,891	3,788
Trust Preferred Securities Subject to Mandatory Redemption | Universal Preferred Trust
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	1.69%
Capital debt securities	$ 5,000
Junior subordinated debentures	$ 3,883	$ 3,778

Income Taxes - Schedule of Inco

Income Taxes - Schedule of Income Tax (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Allocation of total income tax
Income tax expense	$ 29,268	$ 40,121	$ 40,026
Shareholders’ equity for unrealized gain/(loss) on securities available-for-sale	6,513	3,429	(45,321)
Shareholders’ equity for pension adjustment	6,304	3,354	6,980
Shareholders’ equity for swap fair value adjustment	448	(110)	0
Unallocated income tax	42,533	46,794	1,685
Current tax provision/(benefit):
Federal	20,022	36,599	36,235
State	6,443	8,442	9,295
Total current tax provision/(benefit)	26,465	45,041	45,530
Deferred tax provision/(benefit):
Federal	2,315	(5,267)	(5,325)
State	488	347	(179)
Total deferred tax provision/(benefit)	2,803	(4,920)	(5,504)
Total provision for income taxes	$ 29,268	$ 40,121	$ 40,026
Reconciliation of the expected federal statutory income tax rate to the effective rate
Expected tax rate	21%	21%	21%
Tax-exempt interest income	(1.80%)	(1.20%)	(1.10%)
State income tax, net of federal benefit	4.30%	4%	4%
Bank-owned life insurance	(1.00%)	(1.00%)	(0.90%)
Stock-based compensation	0%	0%	0.10%
Dividends on stock plans	(0.50%)	(0.40%)	(0.50%)
Low income housing and historic tax credits	0%	0%	(0.20%)
Other	0.60%	0.50%	0.60%
Effective tax rate	22.60%	22.90%	23%
Deferred tax assets:
Deferred compensation expense	$ 3,761	$ 5,001
Bad debts	26,497	28,483
Other reserves	3,909	4,511
Accrued post-retirement benefit cost	576	477
Stock benefit plans	1,950	1,134
Unrealized loss on the fair value of securities available-for-sale	39,473	45,985
Deferred income	579	35
Lease liability	11,253	14,593
Purchase accounting	816	698
Net operating loss	534	1,058
Other	1,470	2,431
Total deferred tax assets	90,818	104,406
Deferred tax liabilities:
Pension expense	7,243	6,543
Intangible assets	18,858	18,041
Mortgage servicing rights	465	242
Fixed assets	3,891	5,567
Net deferred loan costs	2,213	2,412
Right of use asset	10,404	13,917
Pension and post-retirement benefits	6,890	587
Interest rate derivatives	396	134
Other	1,950	2,388
Total deferred tax liabilities	52,310	49,831
Net deferred tax asset	$ 38,508	$ 54,575

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) - USD ($)	Dec. 31, 2024	Dec. 31, 2023
Domestic Tax Jurisdiction
Operating loss carryforwards
Operating loss carryforwards	$ 200,000
Valuation allowance for deferred tax assets	0
State and Local Jurisdiction
Operating loss carryforwards
Operating loss carryforwards	20,000,000
Amount carryovers not expected to be realized	8,000,000
Valuation allowance for deferred tax assets	200,000
State and Local Jurisdiction | Pennsylvania
Operating loss carryforwards
Operating loss carryforwards	$ 102,000,000	$ 85,000,000

Income Taxes - Schedule of Unre

Income Taxes - Schedule of Unrecognized Tax Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Unrecognized tax benefits:
Balance, beginning of year	$ 1,080	$ 473	$ 241
Increases related to prior year tax positions	104	623	252
Decreases related to prior year tax positions	(92)	(74)	(28)
Increases related to current year tax positions	32	58	8
Balance, end of year	$ 1,124	$ 1,080	$ 473

Shareholders' Equity (Details)

Shareholders' Equity (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Stockholders' Equity Note [Abstract]
Bad debt deductions for which no deferred income taxes have been provided	$ 39	$ 39

Earnings Per Share - Computatio

Earnings Per Share - Computation of Basic and Diluted Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Earnings Per Share [Abstract]
Net income	$ 100,278	$ 134,957	$ 133,666
Less: Dividends and undistributed earnings allocated to participating securities	125	339	585
Net income available to common shareholders - two class method - Basic	100,153	134,618	133,081
Net income available to common shareholders - two class method, Diluted	$ 100,153	$ 134,618	$ 133,081
Earnings Per Share, Diluted, by Common Class, Including Two Class Method [Line Items]
Basic earnings per share (in dollars per share)	$ 0.79	$ 1.06	$ 1.05
Diluted earnings per share (in dollars per share)	$ 0.79	$ 1.06	$ 1.05
Anti-dilutive awards (in shares)	2,128	2,814	1,951
Earnings Per Share, Treasury Stock Method
Earnings Per Share, Diluted, by Common Class, Including Two Class Method [Line Items]
Weighted average common shares outstanding, basic (in shares)	127,085,446	126,668,671	126,167,892
Add: Participating shares outstanding (in shares)	614,055	421,670	274,509
Total weighted average common shares and dilutive potential shares (in shares)	127,699,501	127,090,341	126,442,401
Earnings Per Share, Two-Class Method
Earnings Per Share, Diluted, by Common Class, Including Two Class Method [Line Items]
Weighted average common shares outstanding, basic (in shares)	127,085,446	126,668,671	126,167,892
Add: Participating shares outstanding (in shares)	158,719	319,501	556,201
Total weighted average common shares and dilutive potential shares (in shares)	127,244,165	126,988,172	126,724,093

Employee Benefit Plans - Pensio

Employee Benefit Plans - Pension Plans, Narrative (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)	Aug. 01, 2020 hour
Employee benefit plans
Employer matching contribution (as a percent)	100%
Employee matching contribution (as a percent)	4%
Soft freeze, hours threshold | hour				1,000
Defined contribution retirement savings plan cost	$ 2,000	$ 4,000	$ 4,000
Net periodic expense (benefit)	(3,000)	(1,000)	900
Pension Plans
Employee benefit plans
Net periodic expense (benefit)	(2,763)	(1,138)	893
Accumulated benefit obligation for funded defined benefit pension plan	160,000	183,000	182,000
Accumulated benefit obligation for unfunded defined benefit pension plan	$ 2,000	$ 2,000	$ 3,000
Target allocation of any one stock, maximum (as a percent)	10%
Maximum average maturity of bond portfolio	10 years
Expected to be paid in 2025	$ 11,200
Expected to be paid in 2026	11,400
Expected to be paid in 2027	11,800
Expected to be paid in 2028	12,400
Expected to be paid in 2029	13,400
Expected to be paid in 2030 to 2034	$ 70,200
Pension Plans | Debt securities | Minimum
Employee benefit plans
Target allocation, (as a percent)	50%
Pension Plans | Debt securities | Maximum
Employee benefit plans
Target allocation, (as a percent)	80%
Pension Plans | Equity securities | Minimum
Employee benefit plans
Target allocation, (as a percent)	20%	20%
Pension Plans | Equity securities | Maximum
Employee benefit plans
Target allocation, (as a percent)	35%
Pension Plans | Net Gain
Employee benefit plans
Expected amortization next fiscal year	$ 149,000
Pension Plans | Prior Service Credit
Employee benefit plans
Expected amortization next fiscal year	$ 812

Employee Benefit Plans - Pens_2

Employee Benefit Plans - Pension Plans - Components of Net Periodic Pension Cost and Other Amounts Recognized In OCI (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Components of net periodic pension cost
Net periodic pension cost, defined benefit pension plans	$ (3,000)	$ (1,000)	$ 900
Pension Plans
Components of net periodic pension cost
Service cost	5,701	6,241	10,396
Interest cost	8,821	9,009	6,683
Expected return on plan assets	(15,102)	(13,915)	(15,454)
Amortization of prior service cost	(2,254)	(2,254)	(2,257)
Amortization of the net loss	71	(219)	1,525
Net periodic pension cost, defined benefit pension plans	(2,763)	(1,138)	893
Changes in the defined benefit pension plans’ plan assets and benefit obligations recognized in other comprehensive income
Net gain	(25,118)	(14,066)	(28,222)
Amortization of prior service cost	2,254	2,254	2,257
Total recognized in other comprehensive income	(22,864)	(11,812)	(25,965)
Total recognized in net periodic pension cost and other comprehensive income	$ (25,627)	$ (12,950)	$ (25,072)

Employee Benefit Plans - Define

Employee Benefit Plans - Defined Benefit Pension Plans' Funded Status (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Change in plan assets:
Fair value of plan assets at beginning of year	$ 216,596
Fair value of plan assets at end of period	219,604	$ 216,596
Pension Plans
Change in benefit obligation:
Benefit obligation at beginning of year	185,196	184,759
Service cost	5,701	6,241	$ 10,396
Interest cost	8,821	9,009	6,683
Actuarial gain	(19,318)	935
Benefits paid	(18,207)	(15,748)
Benefit obligation at end of year	162,193	185,196	184,759
Change in plan assets:
Fair value of plan assets at beginning of year	216,596	202,791
Actual return on plan assets	20,832	29,135
Employer contributions	383	418
Benefits paid	(18,207)	(15,748)
Fair value of plan assets at end of period	219,604	216,596	$ 202,791
Funded status at end of year	$ 57,411	$ 31,400
Assumptions used to develop the net periodic pension cost
Discount rate	4.79%	4.99%	2.75%
Expected long-term rate of return on assets	7%	7%	6.50%
Rate of increase in compensation levels	3%	3%	3%
Assumptions used to determine benefit obligations
Discount rate	5.44%	4.79%	4.99%
Expected long-term rate of return on assets	5.50%	7%	6.50%
Rate of increase in compensation levels	3%	3%	3%

Employee Benefit Plans - Defi_2

Employee Benefit Plans - Defined Benefit Plans Certain Information and Weighted Average Asset Allocation (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Employee benefit plans
Fair value of plan assets	$ 219,604	$ 216,596
Debt securities
Employee benefit plans
Fair value of plan assets	190,249	131,921
Equity securities
Employee benefit plans
Fair value of plan assets	17,320	71,192
Pension Plans
Employee benefit plans
Projected benefit obligation	162,193	185,196	$ 184,759
Accumulated benefit obligation	162,193	185,196
Fair value of plan assets	$ 219,604	$ 216,596	$ 202,791
Weighted average asset allocation of defined benefit plans
Total (as a percent)	100%	100%
Pension Plans | Debt securities
Weighted average asset allocation of defined benefit plans
Total (as a percent)	64%	25%
Pension Plans | Debt securities | Minimum
Weighted average asset allocation of defined benefit plans
Target allocation, (as a percent)	50%
Pension Plans | Debt securities | Maximum
Weighted average asset allocation of defined benefit plans
Target allocation, (as a percent)	80%
Pension Plans | Equity securities
Weighted average asset allocation of defined benefit plans
Total (as a percent)	30%	69%
Pension Plans | Equity securities | Minimum
Weighted average asset allocation of defined benefit plans
Target allocation, (as a percent)	20%	20%
Pension Plans | Equity securities | Maximum
Weighted average asset allocation of defined benefit plans
Target allocation, (as a percent)	35%
Pension Plans | Other
Weighted average asset allocation of defined benefit plans
Total (as a percent)	6%	6%
Pension Plans | Other | Minimum
Weighted average asset allocation of defined benefit plans
Target allocation, (as a percent)	0%
Pension Plans | Other | Maximum
Weighted average asset allocation of defined benefit plans
Target allocation, (as a percent)	10%

Employee Benefit Plans - Pens_3

Employee Benefit Plans - Pension Plan Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Employee benefit plans
Fair value of plan assets	$ 219,604	$ 216,596
Fair value of plan assets, including accrued interest and dividends	220,000	217,000
Equity securities
Employee benefit plans
Fair value of plan assets	17,320	71,192
Debt securities
Employee benefit plans
Fair value of plan assets	190,249	131,921
Money market funds
Employee benefit plans
Fair value of plan assets	2,873	2,150
Other
Employee benefit plans
Fair value of plan assets	$ 9,162	$ 11,333

Employee Benefit Plans - Stock-

Employee Benefit Plans - Stock-based Compensation, Narrative (Details) - USD ($)	12 Months Ended			31 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2024	May 18, 2022
Stock Related Compensation
Number of shares authorized (in shares)					3,500,000
Number of shares available for grant (in shares)	1,079,102			1,079,102
Stock-based employee compensation expense	$ 6,000,000	$ 4,000,000	$ 3,000,000
Effect of compensation expense on net income included in income before income taxes	$ 4,000,000	$ 3,000,000	$ 2,000,000
2022 Equity Incentive Plan
Stock Related Compensation
Number of shares forfeited (in shares)	139,141			210,214
RSU
Stock Related Compensation
Compensation expense for unvested common share awards which is yet to be recognized	$ 4,200,000			$ 4,200,000
PSU
Stock Related Compensation
Performance period	3 years
Compensation expense for unvested common share awards which is yet to be recognized	$ 2,400,000			2,400,000
PSU | Minimum
Stock Related Compensation
Vesting percentage	0%
PSU | Maximum
Stock Related Compensation
Vesting percentage	150%
RSUs and PSUs
Stock Related Compensation
Expense recognition period	2 years 6 months
RSA
Stock Related Compensation
Compensation expense for unvested common share awards which is yet to be recognized	$ 918,215			$ 918,215
Expense recognition period	1 year

Employee Benefit Plans - Schedu

Employee Benefit Plans - Schedule of Share-Based, Granted (Details) - USD ($) $ / shares in Units, $ in Thousands					12 Months Ended
	Mar. 20, 2024	Mar. 27, 2023	Mar. 15, 2023	May 18, 2022	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
RSU | Employees
Stock Related Compensation
Shares (in shares)	307,775	80,980	176,623	150,027	266,106	128,148	13,115
Weighted average grant date fair value (in dollars per share)	$ 9.79	$ 11.20	$ 11.28	$ 11	$ 10.86	$ 10.30	$ 12.69
Total market value ($)	$ 3,000	$ 907	$ 2,000	$ 1,700	$ 2,900	$ 1,300	$ 166
Vesting period (years)	3 years	2 years	3 years	3 years		3 years	3 years
RSU | Employees | Minimum
Stock Related Compensation
Vesting period (years)	3 years
RSU | Employees | Maximum
Stock Related Compensation
Vesting period (years)	4 years
PSU | Employees
Stock Related Compensation
Shares (in shares)	324,124		176,623	150,027
Weighted average grant date fair value (in dollars per share)	$ 9.07		$ 10.54	$ 10.26
Total market value ($)	$ 2,900		$ 1,900	$ 1,500
Vesting period (years)	3 years		3 years	3 years
RSA | Directors
Stock Related Compensation
Shares (in shares)	41,560		33,048	41,206
Weighted average grant date fair value (in dollars per share)	$ 11.31		$ 12.80	$ 12.55
Total market value ($)	$ 470		$ 423	$ 517
Vesting period (years)	1 year		1 year	1 year

Employee Benefit Plans - Stock

Employee Benefit Plans - Stock Option Plans, Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Retirement Benefits [Abstract]
Options granted (in shares)	0	0	0
Aggregate intrinsic value of options expected to vest	$ (193)
Aggregate intrinsic value of options fully vested	$ (5,300)

Employee Benefit Plans - Share-

Employee Benefit Plans - Share-Based Awards (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Number
Balance at beginning of year (in shares)	3,209,005	3,657,580	4,380,310
Exercised (in shares)	(199,058)	(63,315)	(465,920)
Forfeited/ expired (in shares)	(404,080)	(385,260)	(256,810)
Balance at end of year (in shares)	2,605,867	3,209,005	3,657,580
Exercisable at end of year (in shares)	2,355,318	2,601,367	2,556,235
Weighted average exercise price
Balance at beginning of year (in dollars per share)	$ 14.36	$ 14.25	$ 14.05
Exercised (in dollars per share)	12.29	11.46	12.14
Forfeited (in dollars per share)	13.73	13.80	14.64
Balance at end of year (in dollars per share)	15.28	14.36	14.25
Exercisable at end of year (in dollars per share)	$ 16.17	$ 14.52	$ 14.43
Intrinsic value of options exercised	$ 390	$ 115	$ 839

Employee Benefit Plans - Number

Employee Benefit Plans - Number of Options Outstanding and Exercisable and Weighted Average Remaining Life of All Option Grants (Details)	12 Months Ended
	Dec. 31, 2024 $ / shares shares
9.71
Outstanding and exercisable options
Exercise price (in dollars per share) | $ / shares	$ 9.71
Number of options (in shares)	325,075
Weighted average remaining contract life (years)	5 years 4 months 24 days
Number of options (in shares)	247,401
Weighted average remaining term - vested (years)	4 years 7 months 6 days
12.37
Outstanding and exercisable options
Exercise price (in dollars per share) | $ / shares	$ 12.37
Number of options (in shares)	151,948
Weighted average remaining contract life (years)	4 months 24 days
Number of options (in shares)	151,948
Weighted average remaining term - vested (years)	9 years 7 months 6 days
13.68
Outstanding and exercisable options
Exercise price (in dollars per share) | $ / shares	$ 13.68
Number of options (in shares)	470,042
Weighted average remaining contract life (years)	6 years 4 months 24 days
Number of options (in shares)	394,884
Weighted average remaining term - vested (years)	3 years 7 months 6 days
14.15
Outstanding and exercisable options
Exercise price (in dollars per share) | $ / shares	$ 14.15
Number of options (in shares)	297,819
Weighted average remaining contract life (years)	1 year 4 months 24 days
Number of options (in shares)	278,402
Weighted average remaining term - vested (years)	8 years 7 months 6 days
15.57
Outstanding and exercisable options
Exercise price (in dollars per share) | $ / shares	$ 15.57
Number of options (in shares)	419,582
Weighted average remaining contract life (years)	2 years 4 months 24 days
Number of options (in shares)	373,022
Weighted average remaining term - vested (years)	7 years 7 months 6 days
16.59
Outstanding and exercisable options
Exercise price (in dollars per share) | $ / shares	$ 16.59
Number of options (in shares)	543,519
Weighted average remaining contract life (years)	3 years 4 months 24 days
Number of options (in shares)	543,519
Weighted average remaining term - vested (years)	6 years 7 months 6 days
17.27
Outstanding and exercisable options
Exercise price (in dollars per share) | $ / shares	$ 17.27
Number of options (in shares)	395,942
Weighted average remaining contract life (years)	4 years 4 months 24 days
Number of options (in shares)	364,202
Weighted average remaining term - vested (years)	5 years 7 months 6 days
14.25
Outstanding and exercisable options
Exercise price (in dollars per share) | $ / shares	$ 14.25
Number of options (in shares)	2,605,867
Weighted average remaining contract life (years)	3 years 9 months 18 days
Number of options (in shares)	2,355,318
Weighted average remaining term - vested (years)	2 years 7 months 6 days

Disclosures About Fair Value _3

Disclosures About Fair Value of Financial Instruments - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Fair Value Disclosures [Abstract]
Significant unrealized appreciation or depreciation in financial instruments	$ 0	$ 0

Disclosures About Fair Value _4

Disclosures About Fair Value of Financial Instruments - Carrying Amount and Estimated Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Financial assets:
Securities held-to-maturity	$ 637,948	$ 699,506
Loans held-for-sale	76,000	9,000
Accrued interest receivable	46,356	47,353
Derivative assets	39,801	42,772
Derivative assets, netting adjustments	(34,236)
Financial liabilities:
Borrowed funds, netting adjustments	(31,842)
Subordinated debt	114,538	114,189
Junior subordinated debentures	129,834	129,574
Derivative liabilities	37,819	42,940
Borrowed funds and derivative liabilities, netting adjustments	(34,236)
Interest rate swap agreements | Hedging
Financial assets:
Derivative assets, netting adjustments	(32)
Financial liabilities:
Derivative liabilities, netting adjustments	(32)
Interest rate swap agreements | Not Hedging
Financial assets:
Derivative assets, netting adjustments	(34,204)
Financial liabilities:
Derivative liabilities, netting adjustments	(2,362)
Level 1
Financial assets:
Cash and cash equivalents	288,378	122,260
Securities available-for-sale	0	0
Securities held-to-maturity	0	0
Loans receivable, net	0	0
Loans held-for-sale	0	0
Accrued interest receivable	46,356	47,353
FHLB stock	0	0
Total financial assets	334,734	169,613
Financial liabilities:
Savings and checking deposits	9,466,909	9,377,021
Time deposits	0	0
Borrowed funds		386,446
Borrowed funds before netting	228,119
Subordinated debt	0	0
Junior subordinated debentures	0	0
Accrued interest payable	6,935	13,669
Total financial liabilities	9,701,963	9,777,136
Level 1 | Interest rate lock commitments
Financial assets:
Derivative assets	0	0
Level 1 | Forward commitments
Financial assets:
Derivative assets	0	0
Level 1 | Foreign exchange swaps
Financial assets:
Derivative assets	0
Financial liabilities:
Derivative liabilities	0	0
Level 1 | Interest rate swap agreements | Hedging
Financial assets:
Derivative assets		0
Derivative asset before netting	0
Financial liabilities:
Derivative liabilities		0
Derivative liabilities, before netting	0
Level 1 | Interest rate swap agreements | Not Hedging
Financial assets:
Derivative assets		0
Derivative asset before netting	0
Financial liabilities:
Derivative liabilities		0
Derivative liabilities, before netting	0
Level 1 | Risk participation agreements
Financial liabilities:
Derivative liabilities	0	0
Level 2
Financial assets:
Cash and cash equivalents	0	0
Securities available-for-sale	1,108,944	1,043,359
Securities held-to-maturity	637,948	699,506
Loans receivable, net	0	0
Loans held-for-sale	68,620	0
Accrued interest receivable	0	0
FHLB stock	0	0
Total financial assets	1,854,971	1,784,996
Financial liabilities:
Savings and checking deposits	0	0
Time deposits	0	0
Borrowed funds		0
Borrowed funds before netting	0
Subordinated debt	115,982	109,471
Junior subordinated debentures	0	0
Accrued interest payable	0	0
Total financial liabilities	153,801	152,411
Level 2 | Interest rate lock commitments
Financial assets:
Derivative assets	0	0
Level 2 | Forward commitments
Financial assets:
Derivative assets	34	12
Level 2 | Foreign exchange swaps
Financial assets:
Derivative assets	199
Financial liabilities:
Derivative liabilities	4	291
Level 2 | Interest rate swap agreements | Hedging
Financial assets:
Derivative assets		713
Derivative asset before netting	1,529
Financial liabilities:
Derivative liabilities		1,198
Derivative liabilities, before netting	32
Level 2 | Interest rate swap agreements | Not Hedging
Financial assets:
Derivative assets		41,406
Derivative asset before netting	37,697
Financial liabilities:
Derivative liabilities		41,437
Derivative liabilities, before netting	37,767
Level 2 | Risk participation agreements
Financial liabilities:
Derivative liabilities	16	14
Level 3
Financial assets:
Cash and cash equivalents	0	0
Securities available-for-sale	0	0
Securities held-to-maturity	0	0
Loans receivable, net	10,431,355	10,274,593
Loans held-for-sale	7,711	8,768
Accrued interest receivable	0	0
FHLB stock	0	0
Total financial assets	10,439,408	10,284,002
Financial liabilities:
Savings and checking deposits	0	0
Time deposits	2,677,070	2,113,177
Borrowed funds		0
Borrowed funds before netting	0
Subordinated debt	0	0
Junior subordinated debentures	128,122	112,159
Accrued interest payable	0	0
Total financial liabilities	2,805,192	2,225,336
Level 3 | Interest rate lock commitments
Financial assets:
Derivative assets	342	641
Level 3 | Forward commitments
Financial assets:
Derivative assets	0	0
Level 3 | Foreign exchange swaps
Financial assets:
Derivative assets	0
Financial liabilities:
Derivative liabilities	0	0
Level 3 | Interest rate swap agreements | Hedging
Financial assets:
Derivative assets		0
Derivative asset before netting	0
Financial liabilities:
Derivative liabilities		0
Derivative liabilities, before netting	0
Level 3 | Interest rate swap agreements | Not Hedging
Financial assets:
Derivative assets		0
Derivative asset before netting	0
Financial liabilities:
Derivative liabilities		0
Derivative liabilities, before netting	0
Level 3 | Risk participation agreements
Financial liabilities:
Derivative liabilities	0	0
Carrying amount
Financial assets:
Cash and cash equivalents	288,378	122,260
Securities available-for-sale	1,108,944	1,043,359
Securities held-to-maturity	750,586	814,839
Loans receivable, net	11,063,195	11,280,798
Loans held-for-sale	76,331	8,768
Accrued interest receivable	46,356	47,353
FHLB stock	21,006	30,146
Total financial assets	13,360,361	13,390,295
Financial liabilities:
Savings and checking deposits	9,466,909	9,377,021
Time deposits	2,677,645	2,602,881
Borrowed funds	200,331	398,895
Subordinated debt	114,538	114,189
Junior subordinated debentures	129,834	129,574
Accrued interest payable	6,935	13,669
Total financial liabilities	12,631,617	12,679,169
Carrying amount | Interest rate lock commitments
Financial assets:
Derivative assets	342	641
Carrying amount | Forward commitments
Financial assets:
Derivative assets	34	12
Carrying amount | Foreign exchange swaps
Financial assets:
Derivative assets	199
Financial liabilities:
Derivative liabilities	4	291
Carrying amount | Interest rate swap agreements | Hedging
Financial assets:
Derivative assets	1,497	713
Financial liabilities:
Derivative liabilities	0	1,198
Carrying amount | Interest rate swap agreements | Not Hedging
Financial assets:
Derivative assets	3,493	41,406
Financial liabilities:
Derivative liabilities	35,405	41,437
Carrying amount | Risk participation agreements
Financial liabilities:
Derivative liabilities	16	14
Estimated fair value
Financial assets:
Cash and cash equivalents	288,378	122,260
Securities available-for-sale	1,108,944	1,043,359
Securities held-to-maturity	637,948	699,506
Loans receivable, net	10,431,355	10,274,593
Loans held-for-sale	76,331	8,768
Accrued interest receivable	46,356	47,353
FHLB stock	21,006	30,146
Total financial assets	12,615,883	12,268,757
Financial liabilities:
Savings and checking deposits	9,466,909	9,377,021
Time deposits	2,677,070	2,113,177
Borrowed funds	196,277	386,446
Subordinated debt	115,982	109,471
Junior subordinated debentures	128,122	112,159
Accrued interest payable	6,935	13,669
Total financial liabilities	12,626,720	12,154,883
Estimated fair value | Interest rate lock commitments
Financial assets:
Derivative assets	342	641
Estimated fair value | Forward commitments
Financial assets:
Derivative assets	34	12
Estimated fair value | Foreign exchange swaps
Financial assets:
Derivative assets	199
Financial liabilities:
Derivative liabilities	4	291
Estimated fair value | Interest rate swap agreements | Hedging
Financial assets:
Derivative assets	1,497	713
Financial liabilities:
Derivative liabilities	0	1,198
Estimated fair value | Interest rate swap agreements | Not Hedging
Financial assets:
Derivative assets	3,493	41,406
Financial liabilities:
Derivative liabilities	35,405	41,437
Estimated fair value | Risk participation agreements
Financial liabilities:
Derivative liabilities	$ 16	$ 14

Disclosures About Fair Value _5

Disclosures About Fair Value of Financial Instruments - Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	$ 39,801	$ 42,772
Derivative assets, netting adjustments	(34,236)
Derivative liabilities	37,819	42,940
Interest rate swap agreements | Interest rate swaps designated as hedging instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets, netting adjustments	(32)
Derivative liabilities, netting adjustments	(32)
Interest rate swap agreements | Interest rate swaps not designated as hedging instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets, netting adjustments	(34,204)
Derivative liabilities, netting adjustments	(2,362)
Level 1
Assets and liabilities measured at fair value on a recurring basis
Total debt securities	0	0
Total financial assets	334,734	169,613
Level 1 | Interest rate lock commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0	0
Level 1 | Forward commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0	0
Level 1 | Foreign exchange swaps
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0
Derivative liabilities	0	0
Level 1 | Interest rate swap agreements | Interest rate swaps designated as hedging instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets		0
Derivative asset before netting	0
Derivative liabilities		0
Derivative liabilities, before netting	0
Level 1 | Interest rate swap agreements | Interest rate swaps not designated as hedging instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets		0
Derivative asset before netting	0
Derivative liabilities		0
Derivative liabilities, before netting	0
Level 1 | Risk participation agreements
Assets and liabilities measured at fair value on a recurring basis
Derivative liabilities	0	0
Level 2
Assets and liabilities measured at fair value on a recurring basis
Total debt securities	1,108,944	1,043,359
Total financial assets	1,854,971	1,784,996
Level 2 | Interest rate lock commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0	0
Level 2 | Forward commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	34	12
Level 2 | Foreign exchange swaps
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	199
Derivative liabilities	4	291
Level 2 | Interest rate swap agreements | Interest rate swaps designated as hedging instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets		713
Derivative asset before netting	1,529
Derivative liabilities		1,198
Derivative liabilities, before netting	32
Level 2 | Interest rate swap agreements | Interest rate swaps not designated as hedging instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets		41,406
Derivative asset before netting	37,697
Derivative liabilities		41,437
Derivative liabilities, before netting	37,767
Level 2 | Risk participation agreements
Assets and liabilities measured at fair value on a recurring basis
Derivative liabilities	16	14
Level 3
Assets and liabilities measured at fair value on a recurring basis
Total debt securities	0	0
Total financial assets	10,439,408	10,284,002
Level 3 | Interest rate lock commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	342	641
Level 3 | Forward commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0	0
Level 3 | Foreign exchange swaps
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0
Derivative liabilities	0	0
Level 3 | Interest rate swap agreements | Interest rate swaps designated as hedging instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets		0
Derivative asset before netting	0
Derivative liabilities		0
Derivative liabilities, before netting	0
Level 3 | Interest rate swap agreements | Interest rate swaps not designated as hedging instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets		0
Derivative asset before netting	0
Derivative liabilities		0
Derivative liabilities, before netting	0
Level 3 | Risk participation agreements
Assets and liabilities measured at fair value on a recurring basis
Derivative liabilities	0	0
Recurring
Assets and liabilities measured at fair value on a recurring basis
Total debt securities	120,237	182,068
Total mortgage-backed securities	988,707	861,291
Derivative assets, netting adjustments	(34,236)
Total financial assets	1,114,509	1,086,131
Derivative liabilities, netting adjustments	(2,362)
Total liabilities	35,425	42,940
Recurring | Debt issued by the U.S. government-sponsored agencies
Assets and liabilities measured at fair value on a recurring basis
Total debt securities	35,391	58,314
Recurring | Government sponsored enterprises
Assets and liabilities measured at fair value on a recurring basis
Total debt securities	118	40,597
Recurring | States and political subdivisions
Assets and liabilities measured at fair value on a recurring basis
Total debt securities	58,627	75,469
Recurring | Corporate
Assets and liabilities measured at fair value on a recurring basis
Total debt securities	26,101	7,688
Recurring | Residential mortgage-backed securities | GNMA
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	50,149
Recurring | Residential mortgage-backed securities | FNMA
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	84,212
Recurring | Residential mortgage-backed securities | FHLMC
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	89,840
Recurring | Residential mortgage-backed securities | Non-agency
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	5
Recurring | Collateralized mortgage obligations | GNMA
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	562,948	331,784
Recurring | Collateralized mortgage obligations | FNMA
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	74,395	148,892
Recurring | Collateralized mortgage obligations | FHLMC
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	127,158	189,661
Recurring | Interest rate lock commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	342	641
Recurring | Forward commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	34	12
Recurring | Foreign exchange swaps
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	199
Derivative liabilities	4	291
Recurring | Interest rate swap agreements | Interest rate swaps designated as hedging instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	1,497	713
Derivative assets, netting adjustments	(32)
Derivative liabilities	0	1,198
Derivative liabilities, netting adjustments	(32)
Recurring | Interest rate swap agreements | Interest rate swaps not designated as hedging instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	3,493	41,406
Derivative assets, netting adjustments	(34,204)
Derivative liabilities	35,405	41,437
Derivative liabilities, netting adjustments	(2,362)
Recurring | Risk participation agreements
Assets and liabilities measured at fair value on a recurring basis
Derivative liabilities	16	14
Recurring | Mortgage-backed securities | GNMA
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities		17,441
Recurring | Mortgage-backed securities | FNMA
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities		102,678
Recurring | Mortgage-backed securities | FHLMC
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities		70,830
Recurring | Mortgage-backed securities | Non-agency
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities		5
Recurring | Level 1
Assets and liabilities measured at fair value on a recurring basis
Total debt securities	0	0
Total mortgage-backed securities	0	0
Total financial assets	0	0
Total liabilities	0	0
Recurring | Level 1 | Debt issued by the U.S. government-sponsored agencies
Assets and liabilities measured at fair value on a recurring basis
Total debt securities	0	0
Recurring | Level 1 | Government sponsored enterprises
Assets and liabilities measured at fair value on a recurring basis
Total debt securities	0	0
Recurring | Level 1 | States and political subdivisions
Assets and liabilities measured at fair value on a recurring basis
Total debt securities	0	0
Recurring | Level 1 | Corporate
Assets and liabilities measured at fair value on a recurring basis
Total debt securities	0	0
Recurring | Level 1 | Residential mortgage-backed securities | GNMA
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	0
Recurring | Level 1 | Residential mortgage-backed securities | FNMA
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	0
Recurring | Level 1 | Residential mortgage-backed securities | FHLMC
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	0
Recurring | Level 1 | Residential mortgage-backed securities | Non-agency
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	0
Recurring | Level 1 | Collateralized mortgage obligations | GNMA
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	0	0
Recurring | Level 1 | Collateralized mortgage obligations | FNMA
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	0	0
Recurring | Level 1 | Collateralized mortgage obligations | FHLMC
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	0	0
Recurring | Level 1 | Interest rate lock commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0	0
Recurring | Level 1 | Forward commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0	0
Recurring | Level 1 | Foreign exchange swaps
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0
Derivative liabilities	0	0
Recurring | Level 1 | Interest rate swap agreements | Interest rate swaps designated as hedging instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets		0
Derivative asset before netting	0
Derivative liabilities		0
Derivative liabilities, before netting	0
Recurring | Level 1 | Interest rate swap agreements | Interest rate swaps not designated as hedging instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets		0
Derivative asset before netting	0
Derivative liabilities		0
Derivative liabilities, before netting	0
Recurring | Level 1 | Risk participation agreements
Assets and liabilities measured at fair value on a recurring basis
Derivative liabilities	0	0
Recurring | Level 1 | Mortgage-backed securities | GNMA
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities		0
Recurring | Level 1 | Mortgage-backed securities | FNMA
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities		0
Recurring | Level 1 | Mortgage-backed securities | FHLMC
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities		0
Recurring | Level 1 | Mortgage-backed securities | Non-agency
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities		0
Recurring | Level 2
Assets and liabilities measured at fair value on a recurring basis
Total debt securities	120,237	182,068
Total mortgage-backed securities	988,707	861,291
Total financial assets	1,148,403	1,085,490
Total liabilities	37,819	42,940
Recurring | Level 2 | Debt issued by the U.S. government-sponsored agencies
Assets and liabilities measured at fair value on a recurring basis
Total debt securities	35,391	58,314
Recurring | Level 2 | Government sponsored enterprises
Assets and liabilities measured at fair value on a recurring basis
Total debt securities	118	40,597
Recurring | Level 2 | States and political subdivisions
Assets and liabilities measured at fair value on a recurring basis
Total debt securities	58,627	75,469
Recurring | Level 2 | Corporate
Assets and liabilities measured at fair value on a recurring basis
Total debt securities	26,101	7,688
Recurring | Level 2 | Residential mortgage-backed securities | GNMA
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	50,149
Recurring | Level 2 | Residential mortgage-backed securities | FNMA
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	84,212
Recurring | Level 2 | Residential mortgage-backed securities | FHLMC
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	89,840
Recurring | Level 2 | Residential mortgage-backed securities | Non-agency
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	5
Recurring | Level 2 | Collateralized mortgage obligations | GNMA
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	562,948	331,784
Recurring | Level 2 | Collateralized mortgage obligations | FNMA
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	74,395	148,892
Recurring | Level 2 | Collateralized mortgage obligations | FHLMC
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	127,158	189,661
Recurring | Level 2 | Interest rate lock commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0	0
Recurring | Level 2 | Forward commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	34	12
Recurring | Level 2 | Foreign exchange swaps
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	199
Derivative liabilities	4	291
Recurring | Level 2 | Interest rate swap agreements | Interest rate swaps designated as hedging instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets		713
Derivative asset before netting	1,529
Derivative liabilities		1,198
Derivative liabilities, before netting	32
Recurring | Level 2 | Interest rate swap agreements | Interest rate swaps not designated as hedging instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets		41,406
Derivative asset before netting	37,697
Derivative liabilities		41,437
Derivative liabilities, before netting	37,767
Recurring | Level 2 | Risk participation agreements
Assets and liabilities measured at fair value on a recurring basis
Derivative liabilities	16	14
Recurring | Level 2 | Mortgage-backed securities | GNMA
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities		17,441
Recurring | Level 2 | Mortgage-backed securities | FNMA
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities		102,678
Recurring | Level 2 | Mortgage-backed securities | FHLMC
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities		70,830
Recurring | Level 2 | Mortgage-backed securities | Non-agency
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities		5
Recurring | Level 3
Assets and liabilities measured at fair value on a recurring basis
Total debt securities	0	0
Total mortgage-backed securities	0	0
Total financial assets	342	641
Total liabilities	0	0
Recurring | Level 3 | Debt issued by the U.S. government-sponsored agencies
Assets and liabilities measured at fair value on a recurring basis
Total debt securities	0	0
Recurring | Level 3 | Government sponsored enterprises
Assets and liabilities measured at fair value on a recurring basis
Total debt securities	0	0
Recurring | Level 3 | States and political subdivisions
Assets and liabilities measured at fair value on a recurring basis
Total debt securities	0	0
Recurring | Level 3 | Corporate
Assets and liabilities measured at fair value on a recurring basis
Total debt securities	0	0
Recurring | Level 3 | Residential mortgage-backed securities | GNMA
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	0
Recurring | Level 3 | Residential mortgage-backed securities | FNMA
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	0
Recurring | Level 3 | Residential mortgage-backed securities | FHLMC
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	0
Recurring | Level 3 | Residential mortgage-backed securities | Non-agency
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	0
Recurring | Level 3 | Collateralized mortgage obligations | GNMA
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	0	0
Recurring | Level 3 | Collateralized mortgage obligations | FNMA
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	0	0
Recurring | Level 3 | Collateralized mortgage obligations | FHLMC
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities	0	0
Recurring | Level 3 | Interest rate lock commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	342	641
Recurring | Level 3 | Forward commitments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0	0
Recurring | Level 3 | Foreign exchange swaps
Assets and liabilities measured at fair value on a recurring basis
Derivative assets	0
Derivative liabilities	0	0
Recurring | Level 3 | Interest rate swap agreements | Interest rate swaps designated as hedging instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets		0
Derivative asset before netting	0
Derivative liabilities		0
Derivative liabilities, before netting	0
Recurring | Level 3 | Interest rate swap agreements | Interest rate swaps not designated as hedging instruments
Assets and liabilities measured at fair value on a recurring basis
Derivative assets		0
Derivative asset before netting	0
Derivative liabilities		0
Derivative liabilities, before netting	0
Recurring | Level 3 | Risk participation agreements
Assets and liabilities measured at fair value on a recurring basis
Derivative liabilities	$ 0	0
Recurring | Level 3 | Mortgage-backed securities | GNMA
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities		0
Recurring | Level 3 | Mortgage-backed securities | FNMA
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities		0
Recurring | Level 3 | Mortgage-backed securities | FHLMC
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities		0
Recurring | Level 3 | Mortgage-backed securities | Non-agency
Assets and liabilities measured at fair value on a recurring basis
Total mortgage-backed securities		$ 0

Disclosures About Fair Value _6

Disclosures About Fair Value of Financial Instruments - Reconciliation of all Assets and Liabilities Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs (Level 3) (Details) - Level 3 - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Reconciliation of all assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3)
Beginning balance January 1,	$ 641	$ 559
Net activity	(299)	82
Transfers from Level 3	0	0
Transfers into of Level 3	0	0
Ending balance December 31,	$ 342	$ 641

Disclosures About Fair Value _7

Disclosures About Fair Value of Financial Instruments - Nonrecurring Assets that had Fair Market Values Below the Carrying Amount (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Level 1
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Loans individually assessed	$ 0	$ 0
Total assets	334,734	169,613
Level 2
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Loans individually assessed	0	0
Total assets	1,854,971	1,784,996
Level 3
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Loans individually assessed	10,431,355	10,274,593
Total assets	10,439,408	10,284,002
Nonrecurring
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Mortgage servicing rights	20	133
Real estate owned, net	35	104
Total assets	9,856	36,984
Nonrecurring | Loans individually assessed
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Loans individually assessed	9,801	36,747
Nonrecurring | Level 1
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Mortgage servicing rights	0	0
Real estate owned, net	0	0
Total assets	0	0
Nonrecurring | Level 1 | Loans individually assessed
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Loans individually assessed	0	0
Nonrecurring | Level 2
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Mortgage servicing rights	0	0
Real estate owned, net	0	0
Total assets	0	0
Nonrecurring | Level 2 | Loans individually assessed
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Loans individually assessed	0	0
Nonrecurring | Level 3
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Mortgage servicing rights	20	133
Real estate owned, net	35	104
Total assets	9,856	36,984
Nonrecurring | Level 3 | Loans individually assessed
Fair value measurement for nonrecurring assets that had a fair market value below the carrying amount
Loans individually assessed	$ 9,801	$ 36,747

Disclosures About Fair Value _8

Disclosures About Fair Value of Financial Instruments - Additional Quantitative Information, Assets Measured at Fair Value, Recurring and Nonrecurring Basis, Level 3 Input (Details)	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans held for sale	$ 76,000,000	$ 9,000,000
Nonrecurring
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights	20,000	133,000
Real estate owned, net	$ 35,000	104,000
Nonrecurring | Estimated cost to sell | Appraisal value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Real estate owned, net, measurement input	0.10
Nonrecurring | Annual service cost | Discounted cash flow
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	88
Nonrecurring | Prepayment rate | Discounted cash flow | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	0.065
Nonrecurring | Prepayment rate | Discounted cash flow | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	0.198
Nonrecurring | Prepayment rate | Discounted cash flow | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	0.113
Nonrecurring | Expected life (months) | Discounted cash flow | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	48.9
Nonrecurring | Expected life (months) | Discounted cash flow | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	101.3
Nonrecurring | Expected life (months) | Discounted cash flow | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	69.7
Nonrecurring | Option adjusted spread | Discounted cash flow
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	0.0724
Nonrecurring | Forward yield curve | Discounted cash flow | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	0.0465
Nonrecurring | Forward yield curve | Discounted cash flow | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Mortgage servicing rights, measurement input	0.0449
Recurring
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans held for sale	$ 7,711,000
Recurring | Estimated pull-through rate | Quoted prices for similar loans in active markets adjusted by an expected pull-through rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans held for sale, measurement input	1
Loans individually assessed | Nonrecurring
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans individually assessed	$ 9,801,000	$ 36,747,000
Loans individually assessed | Nonrecurring | Estimated cost to sell | Appraisal value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans individually assessed, measurement input	0.10

Regulatory Capital Requiremen_3

Regulatory Capital Requirements (Details) $ in Thousands	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Regulatory Capital Requirements
Minimum capital requirements (as a percent)	2.50%	2.50%
Northwest Bank
Total capital (to risk weighted assets)
Actual amount	$ 1,466,832	$ 1,520,736
Actual ratio (as a percent)	0.13814	0.14167
Minimum capital requirements amount	$ 1,114,929	$ 1,127,076
Minimum capital requirements ratio (as a percent)	0.10500	0.10500
Well capitalized requirements amount	$ 1,061,837	$ 1,073,406
Well capitalized requirements ratio (as a percent)	0.10000	0.10000
Tier 1 capital (to risk weighted assets)
Actual amount	$ 1,341,230	$ 1,388,808
Actual ratio (as a percent)	0.12631	0.12938
Minimum capital requirements amount	$ 902,561	$ 912,395
Minimum capital requirements ratio (as a percent)	8.50%	8.50%
Well capitalized requirements amount	$ 849,469	$ 858,725
Well capitalized requirements ratio (as a percent)	0.08000	0.08000
CET 1 capital (to risk weighted assets)
Actual amount	$ 1,341,230	$ 1,388,808
Actual ratio (as a percent)	0.12631	0.12938
Minimum capital requirements amount	$ 743,286	$ 751,384
Minimum capital requirements ratio (as a percent)	0.07000	0.07000
Well capitalized requirements amount	$ 690,194	$ 697,714
Well capitalized requirements ratio (as a percent)	0.06500	0.06500
Tier 1 capital (leverage to average assets)
Actual amount	$ 1,341,230	$ 1,388,808
Actual ratio (as a percent)	0.09496	0.09697
Minimum capital requirements amount	$ 564,937	$ 572,903
Minimum capital requirements ratio (as a percent)	0.04000	0.04000
Well capitalized requirements amount	$ 706,171	$ 716,128
Well capitalized requirements ratio (as a percent)	0.05000	0.05000
Northwest Bancshares, Inc.
Total capital (to risk weighted assets)
Actual amount	$ 1,708,786	$ 1,799,883
Actual ratio (as a percent)	0.16078	0.16753
Minimum capital requirements amount	$ 1,115,932	$ 1,128,054
Minimum capital requirements ratio (as a percent)	0.10500	0.10500
Well capitalized requirements amount	$ 1,062,793	$ 1,074,337
Well capitalized requirements ratio (as a percent)	0.10000	0.10000
Tier 1 capital (to risk weighted assets)
Actual amount	$ 1,468,646	$ 1,553,766
Actual ratio (as a percent)	0.13819	0.14463
Minimum capital requirements amount	$ 903,374	$ 913,186
Minimum capital requirements ratio (as a percent)	8.50%	8.50%
Well capitalized requirements amount	$ 637,676	$ 644,602
Well capitalized requirements ratio (as a percent)	0.06000	0.06000
CET 1 capital (to risk weighted assets)
Actual amount	$ 1,342,801	$ 1,428,181
Actual ratio (as a percent)	0.12635	0.13294
Minimum capital requirements amount	$ 743,955	$ 752,036
Minimum capital requirements ratio (as a percent)	0.07000	0.07000
Tier 1 capital (leverage to average assets)
Actual amount	$ 1,468,646	$ 1,428,181
Actual ratio (as a percent)	0.10390	0.10841
Minimum capital requirements amount	$ 565,426	$ 573,290
Minimum capital requirements ratio (as a percent)	0.04000	0.04000

Components of Accumulated Oth_3

Components of Accumulated Other Comprehensive Income - Schedule of Components (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Accumulated other comprehensive income (net of tax)
Shareholders’ equity	$ 1,596,856	$ 1,551,317	$ 1,491,486	$ 1,583,571
Unrealized loss on marketable securities available-for-sale
Accumulated other comprehensive income (net of tax)
Shareholders’ equity	(130,248)	(150,659)	(164,206)	(12,317)
Fair value of interest rate swaps
Accumulated other comprehensive income (net of tax)
Shareholders’ equity	1,159	(374)	0
Defined benefit pension plans
Accumulated other comprehensive income (net of tax)
Shareholders’ equity	18,175	1,541	(6,952)	(25,312)
Accumulated other comprehensive loss
Accumulated other comprehensive income (net of tax)
Shareholders’ equity	$ (110,914)	$ (149,492)	$ (171,158)	$ (37,629)

Components of Accumulated Oth_4

Components of Accumulated Other Comprehensive Income - Changes in Accumulated Other Comprehensive Income by Component (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Changes in accumulated other comprehensive income by component
Balance at beginning	$ 1,551,317	$ 1,491,486	$ 1,583,571
Other comprehensive (loss)/income before reclassification adjustments	13,342	17,520	(133,004)
Amounts reclassified from accumulated other comprehensive income	25,236	4,146	(525)
Other comprehensive income/(loss)	38,578	21,666	(133,529)
Balance at ending	1,596,856	1,551,317	1,491,486
Total
Changes in accumulated other comprehensive income by component
Balance at beginning	(149,492)	(171,158)	(37,629)
Other comprehensive income/(loss)	38,578	21,666	(133,529)
Balance at ending	(110,914)	(149,492)	(171,158)
Unrealized gains and losses on securities available-for-sale
Changes in accumulated other comprehensive income by component
Balance at beginning	(150,659)	(164,206)	(12,317)
Other comprehensive (loss)/income before reclassification adjustments	(6,378)	7,875	(151,888)
Amounts reclassified from accumulated other comprehensive income	26,789	5,672	(1)
Other comprehensive income/(loss)	20,411	13,547	(151,889)
Balance at ending	(130,248)	(150,659)	(164,206)
Other comprehensive income/(loss) before reclassification adjustments, tax	1,193	(3,429)	45,321
Amounts reclassified from accumulated other comprehensive income, tax	(7,706)	(1,700)	0
Change in fair value of interest rate swaps
Changes in accumulated other comprehensive income by component
Balance at beginning	(374)	0
Other comprehensive (loss)/income before reclassification adjustments	1,533	(374)
Amounts reclassified from accumulated other comprehensive income	0	0
Other comprehensive income/(loss)	1,533	(374)
Balance at ending	1,159	(374)	0
Other comprehensive income/(loss) before reclassification adjustments, tax	(448)	110
Change in defined benefit pension plans
Changes in accumulated other comprehensive income by component
Balance at beginning	1,541	(6,952)	(25,312)
Other comprehensive (loss)/income before reclassification adjustments	18,187	10,019	18,884
Amounts reclassified from accumulated other comprehensive income	(1,553)	(1,526)	(524)
Other comprehensive income/(loss)	16,634	8,493	18,360
Balance at ending	18,175	1,541	(6,952)
Other comprehensive income/(loss) before reclassification adjustments, tax	(6,895)	(3,961)	(7,182)
Amounts reclassified from accumulated other comprehensive income, tax	$ 591	$ 607	$ 202

Segment Information (Details)

Segment Information (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($) segment	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Segment Reporting [Abstract]
Number of operating segments | segment	1
Segment Reporting Information [Line Items]
Interest income	$ 669,196	$ 587,922	$ 448,798
Reconciliation of revenue
Service charges and fees	62,957	59,214	55,188
Trust and other financial services income	30,102	27,284	27,765
Loss on sale of investments	(39,413)	(8,307)	(8)
Less:
Interest expense	233,618	152,239	28,117
Less:
Provision for credit losses	24,505	22,874	28,315
Compensation and employee benefits	214,455	195,691	188,359
Processing expenses	59,351	58,687	52,496
Premises and occupancy costs	29,469	29,151	29,618
Professional services	14,883	17,819	14,703
Office operations	12,433	12,955	13,318
Federal deposit insurance premiums	11,600	9,271	4,778
Income tax expense	29,268	40,121	40,026
Net income	100,278	134,957	133,666
Other segment disclosures
Interest income	669,196	587,922	448,798
Interest expense	233,618	152,239	28,117
Amortization	2,452	3,270	4,277
Provision for credit losses	24,505	22,874	28,315
Total assets	14,408,224	14,419,105
Banking Segment
Segment Reporting Information [Line Items]
Interest income	669,196	587,922	448,798
Reconciliation of revenue
Service charges and fees	62,957	59,214	55,188
Trust and other financial services income	30,102	27,284	27,765
Loss on sale of investments	(39,413)	(8,307)	(8)
Other revenue	33,364	35,632	27,904
Total income	756,206	701,745	559,647
Less:
Interest expense	233,618	152,239	28,117
Segment net interest income and noninterest income	522,588	549,506	531,530
Less:
Provision for credit losses	24,505	22,874	28,315
Compensation and employee benefits	214,455	195,691	188,359
Processing expenses	59,351	58,687	52,496
Premises and occupancy costs	29,469	29,151	29,618
Professional services	14,883	17,819	14,703
Office operations	12,433	12,955	13,318
Federal deposit insurance premiums	11,600	9,271	4,778
Other segment items	26,346	27,980	26,251
Income tax expense	29,268	40,121	40,026
Net income	100,278	134,957	133,666
Other segment disclosures
Interest income	669,196	587,922	448,798
Interest expense	233,618	152,239	28,117
Depreciation	11,259	11,492	11,602
Amortization	2,452	3,270	4,277
Provision for credit losses	24,505	22,874	28,315
Total assets	14,408,224	14,419,105	14,113,324
Expenditures for segment assets	$ 4,618	$ 2,275	$ 5,863

Parent Company Only Financial_3

Parent Company Only Financial Statements - Condensed - Schedule of Statements of Financial Condition (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Assets
Cash and cash equivalents	$ 288,378	$ 122,260
Other assets	292,176	294,458
Total assets	14,408,224	14,419,105
Liabilities:
Debentures payable	129,834	129,574
Other liabilities	173,134	186,306
Total liabilities	12,811,368	12,867,788
Shareholders’ equity	1,596,856	1,551,317	$ 1,491,486	$ 1,583,571
Total liabilities and shareholders’ equity	14,408,224	14,419,105
Parent Company
Assets
Cash and cash equivalents	238,966	276,026
Investment in bank subsidiary	1,627,392	1,588,711
Other assets	9,397	9,405
Total assets	1,875,755	1,874,142
Liabilities:
Debentures payable	244,372	243,763
Other liabilities	2,427	2,302
Total liabilities	246,799	246,065
Shareholders’ equity	1,628,956	1,628,077
Total liabilities and shareholders’ equity	$ 1,875,755	$ 1,874,142

Parent Company Only Financial_4

Parent Company Only Financial Statements - Condensed - Schedule of Statements of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income:
Interest income	$ 669,196	$ 587,922	$ 448,798
Expense:
Other expenses	6,936	6,366	5,231
Income before income taxes	129,546	175,078	173,692
Income tax benefit	29,268	40,121	40,026
Net income	100,278	134,957	133,666
Parent Company
Income:
Interest income	185	187	140
Other income	737	729	805
Dividends from bank subsidiary	75,000	215,000	161,000
Undistributed earnings from equity investment in bank subsidiary	38,694	(67,106)	(18,187)
Total income	114,616	148,810	143,758
Expense:
Compensation and employee benefits	1,972	1,906	1,656
Other expenses	1,339	1,044	1,042
Interest expense	14,593	14,342	9,825
Total expense	17,904	17,292	12,523
Income before income taxes	96,712	131,518	131,235
Income tax benefit	(3,566)	(3,439)	(2,431)
Net income	$ 100,278	$ 134,957	$ 133,666

Parent Company Only Financial_5

Parent Company Only Financial Statements - Condensed - Schedule of Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Operating activities:
Net income	$ 100,153	$ 134,618	$ 133,081
Adjustments to reconcile net income to net cash provided by operating activities:
Net cash provided by operating activities	127,667	92,890	175,431
Investing activities:
Net cash used in investing activities	174,974	(239,680)	(917,423)
Financing activities:
Cash dividends paid on common stock	(101,854)	(101,669)	(101,468)
Proceeds from stock options exercised	2,455	630	5,173
Net cash (used in)/provided by financing activities	(136,523)	129,685	(397,902)
Net increase/(decrease) in cash and cash equivalents	166,118	(17,105)	(1,139,894)
Cash and cash equivalents at beginning of period	122,260	139,365	1,279,259
Cash and cash equivalents at end of period	288,378	122,260	139,365
Parent Company
Operating activities:
Net income	100,278	134,957	133,666
Adjustments to reconcile net income to net cash provided by operating activities:
Undistributed earnings of subsidiary	(38,694)	67,106	18,187
Net change in other assets and liabilities	757	900	(9,457)
Net cash provided by operating activities	62,341	202,963	142,396
Investing activities:
Net cash used in investing activities	0	0	0
Financing activities:
Cash dividends paid on common stock	(101,854)	(101,669)	(101,468)
Repurchase of Northwest stock	0	0	0
Proceeds from stock options exercised	2,453	630	5,173
Net cash (used in)/provided by financing activities	(99,401)	(101,039)	(96,295)
Net increase/(decrease) in cash and cash equivalents	(37,060)	101,924	46,101
Cash and cash equivalents at beginning of period	276,026	174,102	128,001
Cash and cash equivalents at end of period	$ 238,966	$ 276,026	$ 174,102

Derivative Financial Instrume_3

Derivative Financial Instruments - Narrative (Details) - Interest rate swap agreements - Hedging $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($) derivative
Derivative [Line Items]
Number of derivatives | derivative	7
Derivative, notional amount | $	$ 175,000
Minimum
Derivative [Line Items]
Derivative contract maturities (in years)	3 years
Maximum
Derivative [Line Items]
Derivative contract maturities (in years)	5 years

Derivative Financial Instrume_4

Derivative Financial Instruments - Schedule of Derivative Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Derivative [Line Items]
Asset derivatives, notional amount	$ 929,836	$ 822,277
Derivative assets, fair value	39,801	42,772
Liability derivatives, notional amount	962,306	939,144
Liability derivatives, fair value	$ 37,819	$ 42,940
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities	Other liabilities
Hedging | Interest rate swap agreements
Derivative [Line Items]
Asset derivatives, notional amount	$ 125,000	$ 75,000
Derivative assets, fair value	1,529	713
Liability derivatives, notional amount	50,000	100,000
Liability derivatives, fair value	32	1,198
Not Hedging | Interest rate swap agreements
Derivative [Line Items]
Asset derivatives, notional amount	780,177	725,139
Derivative assets, fair value	37,697	41,406
Liability derivatives, notional amount	780,177	725,139
Liability derivatives, fair value	37,767	41,437
Not Hedging | Foreign exchange swap agreements
Derivative [Line Items]
Asset derivatives, notional amount	5,724	0
Derivative assets, fair value	199	0
Liability derivatives, notional amount	2,690	12,278
Liability derivatives, fair value	4	291
Not Hedging | Interest rate lock commitments
Derivative [Line Items]
Asset derivatives, notional amount	17,426	21,857
Derivative assets, fair value	342	641
Liability derivatives, notional amount	0	0
Liability derivatives, fair value	0	0
Not Hedging | Forward commitments
Derivative [Line Items]
Asset derivatives, notional amount	1,509	281
Derivative assets, fair value	34	12
Liability derivatives, notional amount	0	0
Liability derivatives, fair value	0	0
Not Hedging | Risk participation agreements
Derivative [Line Items]
Asset derivatives, notional amount	0	0
Derivative assets, fair value	0	0
Liability derivatives, notional amount	129,439	101,727
Liability derivatives, fair value	$ 16	$ 14

Derivative Financial Instrume_5

Derivative Financial Instruments - Schedule of Gain (Loss) on Derivative Financial Instruments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Hedging derivatives:
Decrease in interest expense	$ 2,659	$ 1,573	$ 0
Increase/(decrease) in other income
Non-hedging swap derivatives:
Increase/(decrease) in other income	444	(613)	(83)
(Decrease)/increase in mortgage banking income
Non-hedging swap derivatives:
Increase/(decrease) in other income	$ (277)	$ (34)	$ 1,368

Derivative Financial Instrume_6

Derivative Financial Instruments - Schedule of Key Characteristics of Interest Rate Derivative Transactions (Details) - Hedging $ in Thousands	Dec. 31, 2024 USD ($)
Interest rate swap agreements
Derivative [Line Items]
Notional amount	$ 175,000
Estimated decrease to interest expense in the next twelve months	(1,509)
Issued May 11, 2023
Derivative [Line Items]
Notional amount	$ 25,000
Effective rate	3.46%
Estimated decrease to interest expense in the next twelve months	$ (334)
Remaining term (in months)	28 months
Issued May 12, 2023
Derivative [Line Items]
Notional amount	$ 25,000
Effective rate	3.50%
Estimated decrease to interest expense in the next twelve months	$ (322)
Remaining term (in months)	40 months
Issued May 19, 2023
Derivative [Line Items]
Notional amount	$ 25,000
Effective rate	3.78%
Estimated decrease to interest expense in the next twelve months	$ (248)
Remaining term (in months)	35 months
Issued May 31, 2023
Derivative [Line Items]
Notional amount	$ 25,000
Effective rate	4.04%
Estimated decrease to interest expense in the next twelve months	$ (194)
Remaining term (in months)	23 months
Issued July 26, 2023
Derivative [Line Items]
Notional amount	$ 25,000
Effective rate	4.18%
Estimated decrease to interest expense in the next twelve months	$ (150)
Remaining term (in months)	43 months
Issued July 31, 2023
Derivative [Line Items]
Notional amount	$ 25,000
Effective rate	4.29%
Estimated decrease to interest expense in the next twelve months	$ (128)
Remaining term (in months)	37 months
Issued August 9, 2023
Derivative [Line Items]
Notional amount	$ 25,000
Effective rate	4.27%
Estimated decrease to interest expense in the next twelve months	$ (133)
Remaining term (in months)	31 months

Derivative Financial Instrume_7

Derivative Financial Instruments - Offsetting Assets and Liabilities (Details) - Interest rate swap agreements $ in Thousands	Dec. 31, 2024 USD ($)
Hedging
Derivative assets
Gross amounts of recognized assets	$ 1,529
Gross amounts offset in the consolidated statement of financial condition	(32)
Net amounts of assets presented in the consolidated of condition	1,497
Derivative liabilities
Gross amounts of recognized liabilities	32
Gross amounts offset in the consolidated statement of financial condition	(32)
Net amounts of liabilities presented in the consolidated of condition	0
Not Hedging
Derivative assets
Gross amounts of recognized assets	37,697
Gross amounts offset in the consolidated statement of financial condition	(34,204)
Net amounts of assets presented in the consolidated of condition	3,493
Derivative liabilities
Gross amounts of recognized liabilities	37,767
Gross amounts offset in the consolidated statement of financial condition	(2,362)
Net amounts of liabilities presented in the consolidated of condition	$ 35,405