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v3.25.3

Loans and allowance for loan losses (Tables) | 9 Months Ended
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Sep. 30, 2025
Receivables [Abstract] |
Summary of Current, Past Due and Nonaccrual Loans | A summary of current, past due and nonaccrual loans as of September 30, 2025 and December 31, 2024 follows:
(Dollars in millions) | Current |  | 30-89 Days Past Due |  | Accruing Loans Past Due 90 Days or More |  | Nonaccrual |  | Total (a) (b)
September 30, 2025 |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 60,952 |  |  | $ | 172 |  |  | $ | 3 |  |  | $ | 760 |  |  | $ | 61,887 |
Real estate: |  |  |  |  |  |  |  |  |
Commercial (c) | 19,493 |  |  | 189 |  |  | 19 |  |  | 361 |  |  | 20,062 |
Residential builder and developer (d) | 80 |  |  | 12 |  |  | — |  |  | — |  |  | 92 |
Other commercial construction | 3,859 |  |  | 12 |  |  | — |  |  | 21 |  |  | 3,892 |
Residential (e) | 23,395 |  |  | 615 |  |  | 402 |  |  | 250 |  |  | 24,662 |
Consumer: |  |  |  |  |  |  |  |  |
Home equity lines and loans | 4,622 |  |  | 31 |  |  | — |  |  | 77 |  |  | 4,730 |
Recreational finance | 14,032 |  |  | 91 |  |  | — |  |  | 29 |  |  | 14,152 |
Automobile | 5,157 |  |  | 56 |  |  | — |  |  | 10 |  |  | 5,223 |
Other | 2,240 |  |  | 22 |  |  | 8 |  |  | 4 |  |  | 2,274 |
Total | $ | 133,830 |  |  | $ | 1,200 |  |  | $ | 432 |  |  | $ | 1,512 |  |  | $ | 136,974 |
December 31, 2024 |
Commercial and industrial | $ | 60,374 |  |  | $ | 399 |  |  | $ | 12 |  |  | $ | 696 |  |  | $ | 61,481 |
Real estate: |  |  |  |  |  |  |  |  |
Commercial (c) | 20,054 |  |  | 255 |  |  | 3 |  |  | 468 |  |  | 20,780 |
Residential builder and developer | 830 |  |  | 3 |  |  | — |  |  | 2 |  |  | 835 |
Other commercial construction | 5,018 |  |  | 65 |  |  | — |  |  | 66 |  |  | 5,149 |
Residential (e) | 21,853 |  |  | 719 |  |  | 315 |  |  | 279 |  |  | 23,166 |
Consumer: |  |  |  |  |  |  |  |  |
Home equity lines and loans | 4,482 |  |  | 29 |  |  | — |  |  | 81 |  |  | 4,592 |
Recreational finance | 12,429 |  |  | 104 |  |  | — |  |  | 31 |  |  | 12,564 |
Automobile | 4,724 |  |  | 58 |  |  | — |  |  | 12 |  |  | 4,794 |
Other | 2,134 |  |  | 23 |  |  | 8 |  |  | 55 |  |  | 2,220 |
Total | $ | 131,898 |  |  | $ | 1,655 |  |  | $ | 338 |  |  | $ | 1,690 |  |  | $ | 135,581 |
__________________________________________________________________________________ (a)Balances include net discounts, comprised of unamortized premiums, discounts and net deferred loan fees and costs of $279 million and $277 million at September 30, 2025 and December 31, 2024, respectively. (b)Balances exclude accrued interest receivable of $619 million and $628 million at September 30, 2025 and December 31, 2024, respectively, which is included in Accrued interest and other assets in the Company's Consolidated Balance Sheet. (c)Commercial real estate loans held for sale were $278 million at September 30, 2025 and $310 million at December 31, 2024. (d)In June 2025, the Company sold $661 million of residential builder and developer loans and recognized a gain on sale of $15 million, which is included in Other revenues from operations in the Consolidated Statement of Income for the nine months ended September 30, 2025. (e)One-to-four family residential mortgage loans held for sale were $327 million at September 30, 2025 and $211 million at December 31, 2024.
Summary of Loan grades applied various classes of Commercial and Real Estate Loans | The following table summarizes the loan grades applied at September 30, 2025 to the various classes of the Company’s commercial and industrial loans and commercial real estate loans and gross charge-offs for those types of loans for the three-month and nine-month periods ended September 30, 2025 by origination year.
| Term Loans by Origination Year |  | Revolving Loans |  | Revolving Loans Converted to Term Loans |  | Total
(Dollars in millions) | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  |  |
Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 6,980 |  |  | $ | 7,252 |  |  | $ | 4,626 |  |  | $ | 4,526 |  |  | $ | 2,445 |  |  | $ | 5,346 |  |  | $ | 26,722 |  |  | $ | 97 |  |  | $ | 57,994 |
Criticized accrual | 115 |  |  | 272 |  |  | 492 |  |  | 440 |  |  | 120 |  |  | 427 |  |  | 1,232 |  |  | 35 |  |  | 3,133 |
Criticized nonaccrual | 4 |  |  | 27 |  |  | 90 |  |  | 76 |  |  | 33 |  |  | 242 |  |  | 268 |  |  | 20 |  |  | 760 |
Total commercial and industrial | $ | 7,099 |  |  | $ | 7,551 |  |  | $ | 5,208 |  |  | $ | 5,042 |  |  | $ | 2,598 |  |  | $ | 6,015 |  |  | $ | 28,222 |  |  | $ | 152 |  |  | $ | 61,887 |
Gross charge-offs three months ended September 30, 2025 | $ | 3 |  |  | $ | 21 |  |  | $ | 12 |  |  | $ | 6 |  |  | $ | 2 |  |  | $ | 3 |  |  | $ | 42 |  |  | $ | — |  |  | $ | 89 |
Gross charge-offs nine months ended September 30, 2025 | $ | 7 |  |  | $ | 29 |  |  | $ | 31 |  |  | $ | 19 |  |  | $ | 6 |  |  | $ | 12 |  |  | $ | 92 |  |  | $ | — |  |  | $ | 196 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 2,675 |  |  | $ | 408 |  |  | $ | 1,548 |  |  | $ | 1,610 |  |  | $ | 1,205 |  |  | $ | 9,538 |  |  | $ | 393 |  |  | $ | — |  |  | $ | 17,377 |
Criticized accrual | — |  |  | 29 |  |  | 297 |  |  | 337 |  |  | 83 |  |  | 1,572 |  |  | 6 |  |  | — |  |  | 2,324 |
Criticized nonaccrual | — |  |  | — |  |  | 7 |  |  | 36 |  |  | 50 |  |  | 268 |  |  | — |  |  | — |  |  | 361 |
Total commercial real estate | $ | 2,675 |  |  | $ | 437 |  |  | $ | 1,852 |  |  | $ | 1,983 |  |  | $ | 1,338 |  |  | $ | 11,378 |  |  | $ | 399 |  |  | $ | — |  |  | $ | 20,062 |
Gross charge-offs three months ended September 30, 2025 | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 11 |  |  | $ | — |  |  | $ | 7 |  |  | $ | — |  |  | $ | — |  |  | $ | 18 |
Gross charge-offs nine months ended September 30, 2025 | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 15 |  |  | $ | — |  |  | $ | 47 |  |  | $ | — |  |  | $ | — |  |  | $ | 62 |
Residential builder and developer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 3 |  |  | $ | — |  |  | $ | 3 |  |  | $ | 9 |  |  | $ | — |  |  | $ | 5 |  |  | $ | 51 |  |  | $ | — |  |  | $ | 71 |
Criticized accrual | — |  |  | — |  |  | — |  |  | 21 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 21 |
Criticized nonaccrual | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total residential builder and developer | $ | 3 |  |  | $ | — |  |  | $ | 3 |  |  | $ | 30 |  |  | $ | — |  |  | $ | 5 |  |  | $ | 51 |  |  | $ | — |  |  | $ | 92 |
Gross charge-offs three months ended September 30, 2025 | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Gross charge-offs nine months ended September 30, 2025 | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Other commercial construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 138 |  |  | $ | 205 |  |  | $ | 1,265 |  |  | $ | 652 |  |  | $ | 78 |  |  | $ | 339 |  |  | $ | 38 |  |  | $ | — |  |  | $ | 2,715 |
Criticized accrual | — |  |  | 6 |  |  | 153 |  |  | 629 |  |  | 143 |  |  | 219 |  |  | 6 |  |  | — |  |  | 1,156 |
Criticized nonaccrual | — |  |  | — |  |  | — |  |  | 10 |  |  | 4 |  |  | 7 |  |  | — |  |  | — |  |  | 21 |
Total other commercial construction | $ | 138 |  |  | $ | 211 |  |  | $ | 1,418 |  |  | $ | 1,291 |  |  | $ | 225 |  |  | $ | 565 |  |  | $ | 44 |  |  | $ | — |  |  | $ | 3,892 |
Gross charge-offs three months ended September 30, 2025 | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 4 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 4 |
Gross charge-offs nine months ended September 30, 2025 | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 7 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 7 |
The following table summarizes the loan grades applied at December 31, 2024 to the various classes of the Company’s commercial and industrial loans and commercial real estate loans by origination year.
| Term Loans by Origination Year |  | Revolving Loans |  | Revolving Loans Converted to Term Loans |  |
(Dollars in millions) | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  |  |  | Total
Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 9,021 |  |  | $ | 6,454 |  |  | $ | 5,845 |  |  | $ | 3,258 |  |  | $ | 1,534 |  |  | $ | 5,147 |  |  | $ | 26,262 |  |  | $ | 79 |  |  | $ | 57,600 |
Criticized accrual | 189 |  |  | 385 |  |  | 402 |  |  | 210 |  |  | 75 |  |  | 528 |  |  | 1,359 |  |  | 37 |  |  | 3,185 |
Criticized nonaccrual | 11 |  |  | 56 |  |  | 98 |  |  | 41 |  |  | 59 |  |  | 220 |  |  | 194 |  |  | 17 |  |  | 696 |
Total commercial and industrial | $ | 9,221 |  |  | $ | 6,895 |  |  | $ | 6,345 |  |  | $ | 3,509 |  |  | $ | 1,668 |  |  | $ | 5,895 |  |  | $ | 27,815 |  |  | $ | 133 |  |  | $ | 61,481 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 674 |  |  | $ | 1,477 |  |  | $ | 1,358 |  |  | $ | 1,222 |  |  | $ | 1,774 |  |  | $ | 9,611 |  |  | $ | 413 |  |  | $ | — |  |  | $ | 16,529 |
Criticized accrual | 39 |  |  | 389 |  |  | 665 |  |  | 253 |  |  | 591 |  |  | 1,839 |  |  | 7 |  |  | — |  |  | 3,783 |
Criticized nonaccrual | 1 |  |  | 1 |  |  | 53 |  |  | 26 |  |  | 17 |  |  | 369 |  |  | 1 |  |  | — |  |  | 468 |
Total commercial real estate | $ | 714 |  |  | $ | 1,867 |  |  | $ | 2,076 |  |  | $ | 1,501 |  |  | $ | 2,382 |  |  | $ | 11,819 |  |  | $ | 421 |  |  | $ | — |  |  | $ | 20,780 |
Residential builder and developer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 380 |  |  | $ | 236 |  |  | $ | 40 |  |  | $ | 12 |  |  | $ | 4 |  |  | $ | 10 |  |  | $ | 60 |  |  | $ | — |  |  | $ | 742 |
Criticized accrual | 15 |  |  | 42 |  |  | 34 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 91 |
Criticized nonaccrual | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 2 |
Total residential builder and developer | $ | 396 |  |  | $ | 278 |  |  | $ | 74 |  |  | $ | 12 |  |  | $ | 4 |  |  | $ | 11 |  |  | $ | 60 |  |  | $ | — |  |  | $ | 835 |
Other commercial construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 108 |  |  | $ | 1,395 |  |  | $ | 1,091 |  |  | $ | 269 |  |  | $ | 175 |  |  | $ | 379 |  |  | $ | 42 |  |  | $ | — |  |  | $ | 3,459 |
Criticized accrual | 42 |  |  | 104 |  |  | 687 |  |  | 346 |  |  | 297 |  |  | 145 |  |  | 3 |  |  | — |  |  | 1,624 |
Criticized nonaccrual | — |  |  | — |  |  | 17 |  |  | 33 |  |  | — |  |  | 16 |  |  | — |  |  | — |  |  | 66 |
Total other commercial construction | $ | 150 |  |  | $ | 1,499 |  |  | $ | 1,795 |  |  | $ | 648 |  |  | $ | 472 |  |  | $ | 540 |  |  | $ | 45 |  |  | $ | — |  |  | $ | 5,149 |
Summary of loans in Accrual and Nonaccrual Status | A summary of loans in accrual and nonaccrual status at September 30, 2025 for the various classes of the Company’s residential real estate loans and consumer loans and gross charge-offs for those types of loans for the three-month and nine-month periods ended September 30, 2025 by origination year follows:
| Term Loans by Origination Year |  | Revolving Loans |  | Revolving Loans Converted to Term Loans |  | Total
(Dollars in millions) | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | $ | 2,985 |  |  | $ | 1,927 |  |  | $ | 1,232 |  |  | $ | 4,206 |  |  | $ | 3,517 |  |  | $ | 9,409 |  |  | $ | 119 |  |  | $ | — |  |  | $ | 23,395 |
30-89 days past due | 4 |  |  | 8 |  |  | 17 |  |  | 107 |  |  | 76 |  |  | 403 |  |  | — |  |  | — |  |  | 615 |
Accruing loans past due 90 days or more | — |  |  | 4 |  |  | 13 |  |  | 55 |  |  | 80 |  |  | 250 |  |  | — |  |  | — |  |  | 402 |
Nonaccrual | — |  |  | 2 |  |  | 5 |  |  | 37 |  |  | 18 |  |  | 187 |  |  | 1 |  |  | — |  |  | 250 |
Total residential real estate | $ | 2,989 |  |  | $ | 1,941 |  |  | $ | 1,267 |  |  | $ | 4,405 |  |  | $ | 3,691 |  |  | $ | 10,249 |  |  | $ | 120 |  |  | $ | — |  |  | $ | 24,662 |
Gross charge-offs three months ended September 30, 2025 | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |
Gross charge-offs nine months ended September 30, 2025 | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | — |  |  | $ | 3 |  |  | $ | — |  |  | $ | — |  |  | $ | 4 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines and loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | 80 |  |  | $ | 3,269 |  |  | $ | 1,272 |  |  | $ | 4,622 |
30-89 days past due | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | 30 |  |  | 31 |
Accruing loans past due 90 days or more | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Nonaccrual | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 1 |  |  | 73 |  |  | 77 |
Total home equity lines and loans | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | 84 |  |  | $ | 3,270 |  |  | $ | 1,375 |  |  | $ | 4,730 |
Gross charge-offs three months ended September 30, 2025 | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | 1 |
Gross charge-offs nine months ended September 30, 2025 | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 3 |  |  | $ | 3 |
Recreational finance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | $ | 3,597 |  |  | $ | 3,236 |  |  | $ | 1,836 |  |  | $ | 1,753 |  |  | $ | 1,419 |  |  | $ | 2,191 |  |  | $ | — |  |  | $ | — |  |  | $ | 14,032 |
30-89 days past due | 5 |  |  | 16 |  |  | 17 |  |  | 14 |  |  | 13 |  |  | 26 |  |  | — |  |  | — |  |  | 91 |
Accruing loans past due 90 days or more | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Nonaccrual | 2 |  |  | 5 |  |  | 6 |  |  | 6 |  |  | 4 |  |  | 6 |  |  | — |  |  | — |  |  | 29 |
Total recreational finance | $ | 3,604 |  |  | $ | 3,257 |  |  | $ | 1,859 |  |  | $ | 1,773 |  |  | $ | 1,436 |  |  | $ | 2,223 |  |  | $ | — |  |  | $ | — |  |  | $ | 14,152 |
Gross charge-offs three months ended September 30, 2025 | $ | 3 |  |  | $ | 7 |  |  | $ | 7 |  |  | $ | 6 |  |  | $ | 5 |  |  | $ | 8 |  |  | $ | — |  |  | $ | — |  |  | $ | 36 |
Gross charge-offs nine months ended September 30, 2025 | $ | 4 |  |  | $ | 18 |  |  | $ | 21 |  |  | $ | 19 |  |  | $ | 17 |  |  | $ | 30 |  |  | $ | — |  |  | $ | — |  |  | $ | 109 |
Automobile: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | $ | 1,555 |  |  | $ | 1,868 |  |  | $ | 633 |  |  | $ | 547 |  |  | $ | 409 |  |  | $ | 145 |  |  | $ | — |  |  | $ | — |  |  | $ | 5,157 |
30-89 days past due | 6 |  |  | 14 |  |  | 13 |  |  | 11 |  |  | 8 |  |  | 4 |  |  | — |  |  | — |  |  | 56 |
Accruing loans past due 90 days or more | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Nonaccrual | 1 |  |  | 3 |  |  | 1 |  |  | 1 |  |  | 3 |  |  | 1 |  |  | — |  |  | — |  |  | 10 |
Total automobile | $ | 1,562 |  |  | $ | 1,885 |  |  | $ | 647 |  |  | $ | 559 |  |  | $ | 420 |  |  | $ | 150 |  |  | $ | — |  |  | $ | — |  |  | $ | 5,223 |
Gross charge-offs three months ended September 30, 2025 | $ | 2 |  |  | $ | 5 |  |  | $ | 3 |  |  | $ | 2 |  |  | $ | 1 |  |  | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | 14 |
Gross charge-offs nine months ended September 30, 2025 | $ | 2 |  |  | $ | 12 |  |  | $ | 8 |  |  | $ | 8 |  |  | $ | 4 |  |  | $ | 3 |  |  | $ | — |  |  | $ | — |  |  | $ | 37 |
Other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | $ | 270 |  |  | $ | 176 |  |  | $ | 103 |  |  | $ | 65 |  |  | $ | 50 |  |  | $ | 24 |  |  | $ | 1,551 |  |  | $ | 1 |  |  | $ | 2,240 |
30-89 days past due | 2 |  |  | 2 |  |  | 2 |  |  | 1 |  |  | — |  |  | — |  |  | 14 |  |  | 1 |  |  | 22 |
Accruing loans past due 90 days or more | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 8 |  |  | — |  |  | 8 |
Nonaccrual | 2 |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | 4 |
Total other | $ | 274 |  |  | $ | 178 |  |  | $ | 106 |  |  | $ | 66 |  |  | $ | 50 |  |  | $ | 24 |  |  | $ | 1,574 |  |  | $ | 2 |  |  | $ | 2,274 |
Gross charge-offs three months ended September 30, 2025 | $ | 5 |  |  | $ | 3 |  |  | $ | 2 |  |  | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | 16 |  |  | $ | — |  |  | $ | 27 |
Gross charge-offs nine months ended September 30, 2025 | $ | 12 |  |  | $ | 11 |  |  | $ | 7 |  |  | $ | 3 |  |  | $ | 1 |  |  | $ | 1 |  |  | $ | 53 |  |  | $ | — |  |  | $ | 88 |
Total loans at September 30, 2025 | $ | 18,344 |  |  | $ | 15,460 |  |  | $ | 12,360 |  |  | $ | 15,149 |  |  | $ | 9,759 |  |  | $ | 30,693 |  |  | $ | 33,680 |  |  | $ | 1,529 |  |  | $ | 136,974 |
Total gross charge-offs for the three months ended September 30, 2025 | $ | 13 |  |  | $ | 36 |  |  | $ | 24 |  |  | $ | 30 |  |  | $ | 8 |  |  | $ | 20 |  |  | $ | 58 |  |  | $ | 1 |  |  | $ | 190 |
Total gross charge-offs for the nine months ended September 30, 2025 | $ | 25 |  |  | $ | 70 |  |  | $ | 67 |  |  | $ | 72 |  |  | $ | 28 |  |  | $ | 96 |  |  | $ | 145 |  |  | $ | 3 |  |  | $ | 506 |
A summary of loans in accrual and nonaccrual status at December 31, 2024 for the various classes of the Company’s residential real estate loans and consumer loans by origination year follows:
| Term Loans by Origination Year |  | Revolving Loans |  | Revolving Loans Converted to Term Loans |  | Total
(Dollars in millions) | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | $ | 2,264 |  |  | $ | 1,354 |  |  | $ | 4,394 |  |  | $ | 3,488 |  |  | $ | 2,376 |  |  | $ | 7,874 |  |  | $ | 103 |  |  | $ | — |  |  | $ | 21,853 |
30-89 days past due | 12 |  |  | 9 |  |  | 111 |  |  | 77 |  |  | 38 |  |  | 472 |  |  | — |  |  | — |  |  | 719 |
Accruing loans past due 90 days or more | 1 |  |  | 7 |  |  | 39 |  |  | 47 |  |  | 20 |  |  | 201 |  |  | — |  |  | — |  |  | 315 |
Nonaccrual | — |  |  | 2 |  |  | 27 |  |  | 16 |  |  | 5 |  |  | 226 |  |  | 3 |  |  | — |  |  | 279 |
Total residential real estate | $ | 2,277 |  |  | $ | 1,372 |  |  | $ | 4,571 |  |  | $ | 3,628 |  |  | $ | 2,439 |  |  | $ | 8,773 |  |  | $ | 106 |  |  | $ | — |  |  | $ | 23,166 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines and loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2 |  |  | $ | 2 |  |  | $ | 91 |  |  | $ | 3,085 |  |  | $ | 1,302 |  |  | $ | 4,482 |
30-89 days past due | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | — |  |  | 27 |  |  | 29 |
Accruing loans past due 90 days or more | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Nonaccrual | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | — |  |  | 79 |  |  | 81 |
Total home equity lines and loans | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2 |  |  | $ | 2 |  |  | $ | 95 |  |  | $ | 3,085 |  |  | $ | 1,408 |  |  | $ | 4,592 |
Recreational finance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | $ | 3,918 |  |  | $ | 2,203 |  |  | $ | 2,044 |  |  | $ | 1,661 |  |  | $ | 1,100 |  |  | $ | 1,503 |  |  | $ | — |  |  | $ | — |  |  | $ | 12,429 |
30-89 days past due | 13 |  |  | 18 |  |  | 15 |  |  | 20 |  |  | 15 |  |  | 23 |  |  | — |  |  | — |  |  | 104 |
Accruing loans past due 90 days or more | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Nonaccrual | 3 |  |  | 6 |  |  | 6 |  |  | 5 |  |  | 4 |  |  | 7 |  |  | — |  |  | — |  |  | 31 |
Total recreational finance | $ | 3,934 |  |  | $ | 2,227 |  |  | $ | 2,065 |  |  | $ | 1,686 |  |  | $ | 1,119 |  |  | $ | 1,533 |  |  | $ | — |  |  | $ | — |  |  | $ | 12,564 |
Automobile: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | $ | 2,264 |  |  | $ | 775 |  |  | $ | 740 |  |  | $ | 632 |  |  | $ | 220 |  |  | $ | 93 |  |  | $ | — |  |  | $ | — |  |  | $ | 4,724 |
30-89 days past due | 11 |  |  | 13 |  |  | 13 |  |  | 12 |  |  | 5 |  |  | 4 |  |  | — |  |  | — |  |  | 58 |
Accruing loans past due 90 days or more | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Nonaccrual | 2 |  |  | 2 |  |  | 3 |  |  | 2 |  |  | 1 |  |  | 2 |  |  | — |  |  | — |  |  | 12 |
Total automobile | $ | 2,277 |  |  | $ | 790 |  |  | $ | 756 |  |  | $ | 646 |  |  | $ | 226 |  |  | $ | 99 |  |  | $ | — |  |  | $ | — |  |  | $ | 4,794 |
Other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | $ | 259 |  |  | $ | 152 |  |  | $ | 102 |  |  | $ | 71 |  |  | $ | 16 |  |  | $ | 18 |  |  | $ | 1,515 |  |  | $ | 1 |  |  | $ | 2,134 |
30-89 days past due | 4 |  |  | 2 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | 14 |  |  | 1 |  |  | 23 |
Accruing loans past due 90 days or more | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 8 |  |  | — |  |  | 8 |
Nonaccrual | 2 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 51 |  |  | — |  |  | 55 |
Total other | $ | 265 |  |  | $ | 155 |  |  | $ | 104 |  |  | $ | 72 |  |  | $ | 16 |  |  | $ | 18 |  |  | $ | 1,588 |  |  | $ | 2 |  |  | $ | 2,220 |
Total loans at December 31, 2024 | $ | 19,234 |  |  | $ | 15,083 |  |  | $ | 17,786 |  |  | $ | 11,704 |  |  | $ | 8,328 |  |  | $ | 28,783 |  |  | $ | 33,120 |  |  | $ | 1,543 |  |  | $ | 135,581 |
Changes in Allowance for Credit Losses | Changes in the allowance for loan losses and the reserve for unfunded credit commitments for the three-month and nine-month periods ended September 30, 2025 and 2024 were as follows:
| Allowance for Loan Losses |  |
| Commercial and Industrial |  | Real Estate |  |  |  |  |  | Reserve for Unfunded Credit Commitments (a)
(Dollars in millions) |  | Commercial |  | Residential |  | Consumer |  | Total |
Three Months Ended September 30, 2025 |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 793 |  |  | $ | 544 |  |  | $ | 110 |  |  | $ | 750 |  |  | $ | 2,197 |  |  | $ | 80 |
Provision for credit losses | 82 |  |  | (47) |  |  | (3) |  |  | 78 |  |  | 110 |  |  | 15 |
Net charge-offs: |  |  |  |  |  |  |  |  |  |  |
Charge-offs | (89) |  |  | (22) |  |  | (1) |  |  | (78) |  |  | (190) |  |  | — |
Recoveries | 17 |  |  | 1 |  |  | 1 |  |  | 25 |  |  | 44 |  |  | — |
Net charge-offs | (72) |  |  | (21) |  |  | — |  |  | (53) |  |  | (146) |  |  | — |
Ending balance | $ | 803 |  |  | $ | 476 |  |  | $ | 107 |  |  | $ | 775 |  |  | $ | 2,161 |  |  | $ | 95 |
Three Months Ended September 30, 2024 |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 790 |  |  | $ | 658 |  |  | $ | 110 |  |  | $ | 646 |  |  | $ | 2,204 |  |  | $ | 60 |
Provision for credit losses | 52 |  |  | 1 |  |  | (5) |  |  | 72 |  |  | 120 |  |  | — |
Net charge-offs: |  |  |  |  |  |  |  |  |  |  |
Charge-offs | (64) |  |  | (24) |  |  | (1) |  |  | (65) |  |  | (154) |  |  | — |
Recoveries | 14 |  |  | 4 |  |  | 1 |  |  | 15 |  |  | 34 |  |  | — |
Net charge-offs | (50) |  |  | (20) |  |  | — |  |  | (50) |  |  | (120) |  |  | — |
Ending balance | $ | 792 |  |  | $ | 639 |  |  | $ | 105 |  |  | $ | 668 |  |  | $ | 2,204 |  |  | $ | 60 |
Nine Months Ended September 30, 2025 |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 769 |  |  | $ | 599 |  |  | $ | 108 |  |  | $ | 708 |  |  | $ | 2,184 |  |  | $ | 60 |
Provision for credit losses | 173 |  |  | (60) |  |  | (1) |  |  | 233 |  |  | 345 |  |  | 35 |
Net charge-offs: |  |  |  |  |  |  |  |  |  |  |
Charge-offs | (196) |  |  | (69) |  |  | (4) |  |  | (237) |  |  | (506) |  |  | — |
Recoveries | 57 |  |  | 6 |  |  | 4 |  |  | 71 |  |  | 138 |  |  | — |
Net charge-offs | (139) |  |  | (63) |  |  | — |  |  | (166) |  |  | (368) |  |  | — |
Ending balance | $ | 803 |  |  | $ | 476 |  |  | $ | 107 |  |  | $ | 775 |  |  | $ | 2,161 |  |  | $ | 95 |
Nine Months Ended September 30, 2024 |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 620 |  |  | $ | 764 |  |  | $ | 116 |  |  | $ | 629 |  |  | $ | 2,129 |  |  | $ | 60 |
Provision for credit losses | 365 |  |  | (60) |  |  | (11) |  |  | 176 |  |  | 470 |  |  | — |
Net charge-offs: |  |  |  |  |  |  |  |  |  |  |
Charge-offs | (220) |  |  | (92) |  |  | (4) |  |  | (181) |  |  | (497) |  |  | — |
Recoveries | 27 |  |  | 27 |  |  | 4 |  |  | 44 |  |  | 102 |  |  | — |
Net charge-offs | (193) |  |  | (65) |  |  | — |  |  | (137) |  |  | (395) |  |  | — |
Ending balance | $ | 792 |  |  | $ | 639 |  |  | $ | 105 |  |  | $ | 668 |  |  | $ | 2,204 |  |  | $ | 60 |
__________________________________________________________________________________ (a)Further information about unfunded credit commitments is included in note 14.
Loan and Leases Considered Nonaccrual and Interest Income Recognized on Loans | Information with respect to loans that were considered nonaccrual at the beginning and end of the reporting period and the interest income recognized on such loans for the three-month and nine-month periods ended September 30, 2025 and 2024 follows:
| Amortized Cost with Allowance |  | Amortized Cost without Allowance |  | Total |  | Amortized Cost |  | Interest Income Recognized
(Dollars in millions) | September 30, 2025 |  | June 30, 2025 |  | January 1, 2025 |  | Three Months Ended September 30, 2025 |  | Nine Months Ended September 30, 2025
Commercial and industrial | $ | 652 |  |  | $ | 108 |  |  | $ | 760 |  |  | $ | 787 |  |  | $ | 696 |  |  | $ | 8 |  |  | $ | 20 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial | 217 |  |  | 144 |  |  | 361 |  |  | 376 |  |  | 468 |  |  | 11 |  |  | 28 |
Residential builder and developer | — |  |  | — |  |  | — |  |  | 1 |  |  | 2 |  |  | — |  |  | — |
Other commercial construction | 13 |  |  | 8 |  |  | 21 |  |  | 23 |  |  | 66 |  |  | 2 |  |  | 2 |
Residential | 105 |  |  | 145 |  |  | 250 |  |  | 265 |  |  | 279 |  |  | 4 |  |  | 11 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines and loans | 37 |  |  | 40 |  |  | 77 |  |  | 75 |  |  | 81 |  |  | 2 |  |  | 6 |
Recreational finance | 20 |  |  | 9 |  |  | 29 |  |  | 25 |  |  | 31 |  |  | — |  |  | — |
Automobile | 8 |  |  | 2 |  |  | 10 |  |  | 9 |  |  | 12 |  |  | — |  |  | — |
Other | 4 |  |  | — |  |  | 4 |  |  | 12 |  |  | 55 |  |  | — |  |  | — |
Total | $ | 1,056 |  |  | $ | 456 |  |  | $ | 1,512 |  |  | $ | 1,573 |  |  | $ | 1,690 |  |  | $ | 27 |  |  | $ | 67 |
| September 30, 2024 |  | June 30, 2024 |  | January 1, 2024 |  | Three Months Ended September 30, 2024 |  | Nine Months Ended September 30, 2024
Commercial and industrial | $ | 610 |  |  | $ | 200 |  |  | $ | 810 |  |  | $ | 805 |  |  | $ | 670 |  |  | $ | 5 |  |  | $ | 14 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial | 348 |  |  | 230 |  |  | 578 |  |  | 707 |  |  | 869 |  |  | 5 |  |  | 31 |
Residential builder and developer | 2 |  |  | — |  |  | 2 |  |  | 2 |  |  | 3 |  |  | 1 |  |  | 1 |
Other commercial construction | 21 |  |  | 63 |  |  | 84 |  |  | 77 |  |  | 171 |  |  | — |  |  | 3 |
Residential | 135 |  |  | 141 |  |  | 276 |  |  | 260 |  |  | 270 |  |  | 4 |  |  | 11 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines and loans | 39 |  |  | 43 |  |  | 82 |  |  | 79 |  |  | 81 |  |  | 2 |  |  | 4 |
Recreational finance | 17 |  |  | 11 |  |  | 28 |  |  | 25 |  |  | 36 |  |  | — |  |  | — |
Automobile | 8 |  |  | 3 |  |  | 11 |  |  | 11 |  |  | 14 |  |  | — |  |  | — |
Other | 55 |  |  | — |  |  | 55 |  |  | 58 |  |  | 52 |  |  | — |  |  | — |
Total | $ | 1,235 |  |  | $ | 691 |  |  | $ | 1,926 |  |  | $ | 2,024 |  |  | $ | 2,166 |  |  | $ | 17 |  |  | $ | 64 |
Loan Modification Activities to Borrowers Experiencing Financial Difficulty on Financing Receivables | The table that follows summarizes the Company’s loan modification activities to borrowers experiencing financial difficulty for the three-month and nine-month periods ended September 30, 2025 and 2024:
| Amortized Cost
(Dollars in millions) | Term Extension |  | Other (a) |  | Combination of Modification Types (b) |  | Total (c) (d) |  | Percent of Total Loan Class
Three Months Ended September 30, 2025 |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 12 |  |  | $ | 85 |  |  | $ | 3 |  |  | $ | 100 |  |  | .16 | %
Real estate: |  |  |  |  |  |  |  |  |
Commercial | 130 |  |  | — |  |  | 26 |  |  | 156 |  |  | .77 |
Residential builder and developer | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other commercial construction | 52 |  |  | — |  |  | — |  |  | 52 |  |  | 1.33 |
Residential | 36 |  |  | — |  |  | 10 |  |  | 46 |  |  | .18 |
Consumer: |  |  |  |  |  |  |  |  |
Home equity lines and loans | — |  |  | — |  |  | 1 |  |  | 1 |  |  | — |
Recreational finance | 1 |  |  | — |  |  | — |  |  | 1 |  |  | — |
Automobile | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 231 |  |  | $ | 85 |  |  | $ | 40 |  |  | $ | 356 |  |  | .26 | %
Nine Months Ended September 30, 2025 |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 104 |  |  | $ | 90 |  |  | $ | 81 |  |  | $ | 275 |  |  | .44 | %
Real estate: |  |  |  |  |  |  |  |  |
Commercial | 324 |  |  | — |  |  | 26 |  |  | 350 |  |  | 1.74 |
Residential builder and developer | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other commercial construction | 272 |  |  | — |  |  | — |  |  | 272 |  |  | 6.98 |
Residential | 100 |  |  | 4 |  |  | 22 |  |  | 126 |  |  | .51 |
Consumer: |  |  |  |  |  |  |  |  |
Home equity lines and loans | — |  |  | — |  |  | 1 |  |  | 1 |  |  | .02 |
Recreational finance | 1 |  |  | — |  |  | — |  |  | 1 |  |  | — |
Automobile | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other | 10 |  |  | — |  |  | — |  |  | 10 |  |  | .43 |
Total | $ | 811 |  |  | $ | 94 |  |  | $ | 130 |  |  | $ | 1,035 |  |  | .76 | %
__________________________________________________________________________________ (a)Primarily payment deferrals. (b)Primarily term extensions combined with payment deferrals or interest rate reductions. (c)Includes approximately $40 million and $109 million of loans guaranteed by government-related entities (predominantly first lien residential mortgage loans) for the three-month and nine-month periods ended September 30, 2025, respectively. (d)Excludes unfunded commitments to extend credit totaling $53 million and $89 million for the three-month and nine-month periods ended September 30, 2025, respectively.
| Amortized Cost
(Dollars in millions) | Term Extension |  | Other (a) |  | Combination of Modification Types (b) |  | Total (c) (d) |  | Percent of Total Loan Class
Three Months Ended September 30, 2024 |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 92 |  |  | $ | 23 |  |  | $ | 2 |  |  | $ | 117 |  |  | .19 | %
Real estate: |  |  |  |  |  |  |  |  |
Commercial | 163 |  |  | 1 |  |  | — |  |  | 164 |  |  | .73 |
Residential builder and developer | 2 |  |  | — |  |  | — |  |  | 2 |  |  | .17 |
Other commercial construction | 2 |  |  | — |  |  | — |  |  | 2 |  |  | .03 |
Residential | 36 |  |  | 5 |  |  | 4 |  |  | 45 |  |  | .20 |
Consumer: |  |  |  |  |  |  |  |  |
Home equity lines and loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
Recreational finance | — |  |  | — |  |  | — |  |  | — |  |  | — |
Automobile | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 295 |  |  | $ | 29 |  |  | $ | 6 |  |  | $ | 330 |  |  | .24 | %
Nine Months Ended September 30, 2024 |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 190 |  |  | $ | 78 |  |  | $ | 2 |  |  | $ | 270 |  |  | .44 | %
Real estate: |  |  |  |  |  |  |  |  |
Commercial | 420 |  |  | 1 |  |  | 4 |  |  | 425 |  |  | 1.90 |
Residential builder and developer | 13 |  |  | — |  |  | — |  |  | 13 |  |  | 1.27 |
Other commercial construction | 139 |  |  | — |  |  | — |  |  | 139 |  |  | 2.62 |
Residential | 128 |  |  | 12 |  |  | 6 |  |  | 146 |  |  | .63 |
Consumer: |  |  |  |  |  |  |  |  |
Home equity lines and loans | 1 |  |  | — |  |  | 1 |  |  | 2 |  |  | .04 |
Recreational finance | 1 |  |  | — |  |  | — |  |  | 1 |  |  | .01 |
Automobile | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 892 |  |  | $ | 91 |  |  | $ | 13 |  |  | $ | 996 |  |  | .73 | %
__________________________________________________________________________________ (a)Predominantly payment deferrals. (b)Predominantly term extensions combined with interest rate reductions. (c)Includes approximately $33 million and $117 million of loans guaranteed by government-related entities (predominantly first lien residential mortgage loans) for the three-month and nine-month periods ended September 30, 2024, respectively. (d)Excludes unfunded commitments to extend credit totaling $8 million and $43 million for the three-month and nine-month periods ended September 30, 2024, respectively.
Financing Receivable, Modified | The following table summarizes the financial effects of the modifications on the weighted-average remaining term of modified loans for the three-month and nine-month periods ended September 30, 2025 and 2024.
| Three Months Ended September 30, |  | Nine Months Ended September 30,
(In years) | 2025 |  | 2024 |  | 2025 |  | 2024
Increase to weighted-average remaining term |  |  |  |  |  |  |
Commercial and industrial | 0.3 |  | 1.3 |  | 0.7 |  | 1.0
Real estate: |  |  |  |  |  |  |
Commercial (a) | 0.7 |  | 0.6 |  | 0.8 |  | 0.8
Residential | 9.9 |  | 9.1 |  | 10.1 |  | 9.9
__________________________________________________________________________________ (a)Inclusive of residential builder and developer loans and other commercial construction loans.
Summary of Payment Status of Loans Modified | The following table summarizes the payment status, at September 30, 2025 and 2024, of loans that were modified during the twelve-month periods ended September 30, 2025 and 2024.
| Payment Status (Amortized Cost) (a)
(Dollars in millions) | Current |  | 30-89 Days Past Due |  | Past Due 90 Days or More (b) |  | Total
Twelve Months Ended September 30, 2025 |  |  |  |  |  |  |
Commercial and industrial | $ | 137 |  |  | $ | 60 |  |  | $ | 98 |  |  | $ | 295 |
Real estate: |  |  |  |  |  |  |
Commercial | 328 |  |  | 118 |  |  | 1 |  |  | 447 |
Residential builder and developer | — |  |  | — |  |  | — |  |  | — |
Other commercial construction | 337 |  |  | — |  |  | — |  |  | 337 |
Residential (c) | 76 |  |  | 43 |  |  | 44 |  |  | 163 |
Consumer: |  |  |  |  |  |  |
Home equity lines and loans | 1 |  |  | — |  |  | — |  |  | 1 |
Recreational finance | 1 |  |  | — |  |  | — |  |  | 1 |
Automobile | 1 |  |  | — |  |  | — |  |  | 1 |
Other | 10 |  |  | — |  |  | — |  |  | 10 |
Total | $ | 891 |  |  | $ | 221 |  |  | $ | 143 |  |  | $ | 1,255 |
Twelve Months Ended September 30, 2024 |  |  |  |  |  |  |
Commercial and industrial | $ | 308 |  |  | $ | 5 |  |  | $ | 4 |  |  | $ | 317 |
Real estate: |  |  |  |  |  |  |
Commercial | 422 |  |  | 84 |  |  | 9 |  |  | 515 |
Residential builder and developer | 13 |  |  | 1 |  |  | — |  |  | 14 |
Other commercial construction | 141 |  |  | 74 |  |  | — |  |  | 215 |
Residential (c) | 99 |  |  | 47 |  |  | 37 |  |  | 183 |
Consumer: |  |  |  |  |  |  |
Home equity lines and loans | 2 |  |  | — |  |  | — |  |  | 2 |
Recreational finance | 1 |  |  | — |  |  | — |  |  | 1 |
Automobile | — |  |  | — |  |  | — |  |  | — |
Other | — |  |  | — |  |  | — |  |  | — |
Total | $ | 986 |  |  | $ | 211 |  |  | $ | 50 |  |  | $ | 1,247 |
__________________________________________________________________________________ (a) At the respective period end. (b) Loan modifications predominantly comprised of payment deferrals, term extensions or term extensions combined with payment deferrals. (c) Includes loans guaranteed by government-related entities classified as 30 to 89 days past due of $37 million and $39 million and as past due 90 days or more of $41 million and $34 million at September 30, 2025 and 2024, respectively.

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