Affirmed

• KBRA has affirmed the credit ratings for Northwest Bancshares, maintaining a stable outlook for the company. • The rating decision is supported by the organization's strong funding capabilities and the maintenance of solid profit margins. • While KBRA noted the presence of loan risks, it characterized these factors as manageable within the current financial framework.

• KBRA has affirmed the credit ratings for Old Second Bancorp, an Illinois-based lender, while upgrading its outlook to positive. • The rating action is driven by the company's improved earnings performance and strengthening capital trends. • This shift reflects a boost in the bank's overall financial profile, signaling increased stability and growth potential.