NWBI — what changed in the latest 10-Q
A section-by-section comparison of NWBI's newest periodic SEC filing (10-K/10-Q) against the prior same-form filing: paragraphs added and removed per section, with verbatim excerpts. Purely a deterministic text diff — no similarity scores, no directional read, not investment advice.
Comparing 10-Q · 2026-11-05 vs the prior 10-Q · 2026-08-05
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +6 | −7 | ~44 | 77 |
| Market risk (Item 3) | Text added/removed | 0 | 0 | ~2 | 8 |
| Controls & procedures | Text added/removed | +1 | 0 | 0 | 2 |
| Legal proceedings | No paragraph-level changes | 0 | 0 | 0 | 1 |
| Risk factors | No paragraph-level changes | 0 | 0 | 0 | 1 |
| Other information | Text added/removed | 0 | 0 | ~1 | 0 |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Representative excerpts
Up to 5 excerpts of about 300 characters per section, quoted verbatim from the two SEC filings.
MD&A
Text added vs the prior filing · source: 10-Q · 2026-11-05
•volatility in fuel prices and resulting macroeconomic impacts;
The provision for credit losses decreased by $22 million from the quarter ended September 30, 2025. This decrease included a $26 million decrease in the provision for credit losses - loans, as well as a $4 million increase in the provision for credit losses - unfunded commitments. The current year p…
Additionally, the Company saw an increase in classified loans of $16 million to $469 million, or 3.50% of total loans, at September 30, 2026 compared to $453 million , or 3.49% of total loans, at December 31, 2025. This increase was driven by an increase in classified loans within our commercial rea…
Noninterest income for the nine months ended September 30, 2026 was $103 million, an increase of $11 million from the nine months ended September 30, 2025, driven by an increase of $4 million in service charges and fees and a $4 million increase in trust and other financial services income driven by…
The decrease from the nine months ended September 30, 2025 was driven by decrease in acquisition expenses of $37 million and a decrease in FDIC insurance expense of $2 million related to prior period assessment rate changes. These decreases were partially offset by an increase in compensation and em…
Text removed vs the prior filing · source: 10-Q · 2026-08-05
• the possibility that any of the anticipated benefits of the Merger (as defined below) will not be realized or will not be realized within the expected time period; the effect of the Merger on the combined company’s customer and employee relationships and operating results; and other factors that m…
losses. This guidance is effective for annual reporting periods beginning after December 15, 2026 and interim reporting periods within those annual reporting periods. Early adoption is permitted. This guidance will impact our Consolidated Financial Statements on a prospective basis only when loans a…
The provision for credit losses decreased by $2 million from the quarter ended June 30, 2025. This decrease included a $7 million decrease in the provision for credit losses - loans, as well as a $5 million increase in the provision for credit losses - unfunded commitments. The current year provisio…
Additionally, the Company saw an increase in classified loans to $524 million, or 3.96% of total loans, at June 30, 2026 from $518 million, or 4.57% of total loans, at June 30, 2025 and $498 million, or 3.81% of total loans, at March 31, 2026. The increase from the prior year was primarily due to cl…
footprint and an increase of $2 million in amortization of intangible expense related to the acquisition. This was partially offset by a decrease in acquisition expenses of $6 million and a decrease in FDIC insurance premiums of $3 million related to prior period assessment rate changes.
Controls & procedures
Text added vs the prior filing · source: 10-Q · 2026-11-05
There were no changes in the Company’s internal control over financial reporting during the quarter ended September 30, 2026 that materially affected, or were reasonably likely to materially affect, the Company’s internal control over financial reporting
How to read Risk Factors (Item 1A) in a 10-Q
A 10-Q risk-factor section usually takes one of three forms; this page classifies it as one of:
- Pointer — the filer states there have been no material changes and points back to the annual 10-K risk factors; there is no own risk text to compare this quarter.
- Partial update — the filer carves out specific updated risks ("except as set forth below"); the excerpts show exactly what is new this quarter.
- Restated in full — the quarter carries the complete risk-factor text. When the prior quarter was only a pointer there is no prior full text to diff against, so the page flags the section as restated instead.
This describes the filing structure only — it is never a judgement on whether risk went up or down.
Source: text-level diff of the two SEC EDGAR filings · deterministic (no AI-generated content) · for reference only · not investment advice