{"schema_version":"secwatch.filing_event.v1","accession":"0001471265-25-000130","form_type":"8-K","ticker":"NWBI","cik":"0001471265","company_name":"Northwest Bancshares, Inc.","filed_at":"2025-07-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.054384+00:00","generated_at":"2026-05-17T23:37:40.004137+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Northwest Bancshares Q2 net income $34M, EPS $0.26; classified loans jump to 4.57% of portfolio","bullets":["GAAP net income $34M ($0.26 diluted EPS) vs $5M ($0.04) YoY; adjusted net income $38M ($0.30).","Net interest margin 3.56% (3.20% YoY); net interest income $119M, +11.8% YoY but -6.6% QoQ due to large non-accrual recovery in prior quarter.","Classified loans surged to $518M (4.57% of loans) from $279M (2.49%) at Q1 2025, driven by commercial real estate downgrades.","Provision for credit losses $8.7M vs $7.9M prior quarter and ($0.4M) prior year; increase tied to CRE portfolio and downgrades.","Quarterly cash dividend of $0.20/share declared, payable Aug 19, record Aug 8; annualized yield ~6.3% (123rd consecutive quarter)."],"urls":{"canonical":"https://secwatch.observer/filing/0001471265-25-000130","json":"https://secwatch.observer/filing/0001471265-25-000130.json","markdown":"https://secwatch.observer/filing/0001471265-25-000130.md","text":"https://secwatch.observer/filing/0001471265-25-000130.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1471265/000147126525000130/0001471265-25-000130-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1471265/000147126525000130/nwbi-20250729.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T23:37:40.004137+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}