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Loans And The Allowance For Credit Losses (Tables)

3 Months Ended

Mar. 31, 2025

Receivables [Abstract]

Schedule Of Loan Portfolio, Net Of Unearned Income

The following table presents the distribution of Regions' loan portfolio by segment and class, net of unearned income:

			March 31, 2025						December 31, 2024
			(In millions)
Commercial and industrial			$	48,879					$	49,671
Commercial real estate mortgage—owner-occupied			4,849						4,841
Commercial real estate construction—owner-occupied			316						333
Total commercial			54,044						54,845
Commercial investor real estate mortgage			6,376						6,567
Commercial investor real estate construction			2,457						2,143
Total investor real estate			8,833						8,710
Residential first mortgage			20,000						20,094
Home equity lines			3,130						3,150
Home equity loans			2,371						2,390
Consumer credit card			1,384						1,445
Other consumer (1)			5,971						6,093
Total consumer			32,856						33,172
Total loans, net of unearned income			$	95,733					$	96,727

______

(1) Starting in 2025, other consumer loans include exit portfolios, which consists primarily of indirect auto loans, and presentation of prior periods has been conformed accordingly.

Analysis Of The Allowance For Credit Losses By Portfolio Segment

			Three Months Ended March 31, 2025
			Commercial						Investor Real Estate						Consumer						Total
			(In millions)
Allowance for loan losses, January 1, 2025			$	743					$	240					$	630					$	1,613
Provision for loan losses			49						18						56						123
Loan losses:
Charge-offs			(59)						(22)						(64)						(145)
Recoveries			12						—						10						22
Net loan losses			(47)						(22)						(54)						(123)
Allowance for loan losses, March 31, 2025			745						236						632						1,613
Reserve for unfunded credit commitments, January 1, 2025			91						7						18						116
Provision for unfunded credit commitments			—						1						—						1
Reserve for unfunded credit commitments, March 31, 2025			91						8						18						117
Allowance for credit losses, March 31, 2025			$	836					$	244					$	650					$	1,730

			Three Months Ended March 31, 2024
			Commercial						Investor Real Estate						Consumer						Total
			(In millions)
Allowance for loan losses, January 1, 2024			$	722					$	192					$	662					$	1,576
Provision for loan losses			88						23						51						162
Loan losses:
Charge-offs			(62)						(5)						(74)						(141)
Recoveries			8						1						11						20
Net loan losses			(54)						(4)						(63)						(121)
Allowance for loan losses, March 31, 2024			756						211						650						1,617
Reserve for unfunded credit commitments, January 1, 2024			92						13						19						124
Provision for (benefit from) unfunded credit commitments			(5)						(3)						(2)						(10)
Reserve for unfunded credit commitments, March 31, 2024			87						10						17						114
Allowance for credit losses, March 31, 2024			$	843					$	221					$	667					$	1,731

Financing Receivable Credit Quality Indicators

			March 31, 2025
			Term Loans																					Revolving Loans						Revolving Loans Converted to Amortizing						Other (1)						Total
			2025			2024			2023			2022			2021			Prior
			(In millions)
			Commercial and industrial:
Risk rating:
Pass			$	1,871		$	7,721		$	4,135		$	5,742		$	2,967		$	4,698					$	19,267					$	—					$	(359)					$	46,042
Special Mention			30			93			274			90			58			15						553						—						—						1,113
Substandard Accrual			1			100			266			264			45			96						534						—						—						1,306
Non-accrual			3			50			97			94			38			11						125						—						—						418
Total commercial and industrial			$	1,905		$	7,964		$	4,772		$	6,190		$	3,108		$	4,820					$	20,479					$	—					$	(359)					$	48,879
Commercial real estate mortgage—owner-occupied:
Risk rating:
Pass			$	177		$	738		$	676		$	769		$	758		$	1,243					$	89					$	—					$	(5)					$	4,445
Special Mention			—			44			26			61			36			74						8						—						—						249
Substandard Accrual			1			19			5			35			20			34						1						—						—						115
Non-accrual			2			1			1			4			15			16						1						—						—						40
Total commercial real estate mortgage—owner-occupied:			$	180		$	802		$	708		$	869		$	829		$	1,367					$	99					$	—					$	(5)					$	4,849
Commercial real estate construction—owner-occupied:
Risk rating:
Pass			$	14		$	116		$	34		$	36		$	29		$	56					$	8					$	—					$	—					$	293
Special Mention			—			10			6			2			—			—						—						—						—						18
Substandard Accrual			1			—			—			2			—			1						—						—						—						4
Non-accrual			—			—			—			—			—			1						—						—						—						1
Total commercial real estate construction—owner-occupied:			$	15		$	126		$	40		$	40		$	29		$	58					$	8					$	—					$	—					$	316
Total commercial			$	2,100		$	8,892		$	5,520		$	7,099		$	3,966		$	6,245					$	20,586					$	—					$	(364)					$	54,044
Commercial investor real estate mortgage:
Risk rating:
Pass			$	515		$	1,346		$	464		$	1,488		$	641		$	373					$	289					$	—					$	(2)					$	5,114
Special Mention			86			124			—			221			23			48						—						—						—						502
Substandard Accrual			47			111			—			123			39			29						84						—						—						433
Non-accrual			—			123			79			77			—			48						—						—						—						327
Total commercial investor real estate mortgage			$	648		$	1,704		$	543		$	1,909		$	703		$	498					$	373					$	—					$	(2)					$	6,376
Commercial investor real estate construction:
Risk rating:
Pass			$	11		$	371		$	466		$	412		$	—		$	2					$	817					$	—					$	(14)					$	2,065
Special Mention			94			27			—			211			—			—						56						—						—						388
Substandard Accrual			—			—			—			—			—			—						4						—						—						4

			March 31, 2025
			Term Loans																					Revolving Loans						Revolving Loans Converted to Amortizing						Other (1)						Total
			2025			2024			2023			2022			2021			Prior
			(In millions)
			Non-accrual			—			—			—			—			—			—						—						—						—						—
Total commercial investor real estate construction			$	105		$	398		$	466		$	623		$	—		$	2					$	877					$	—					$	(14)					$	2,457
Total investor real estate			$	753		$	2,102		$	1,009		$	2,532		$	703		$	500					$	1,250					$	—					$	(16)					$	8,833
Residential first mortgage:
FICO scores:
Above 720			$	203		$	1,171		$	1,930		$	2,689		$	3,981		$	6,560					$	—					$	—					$	—					$	16,534
681-720			25			96			171			230			274			497						—						—						—						1,293
620-680			8			57			92			134			133			385						—						—						—						809
Below 620			—			26			82			161			165			546						—						—						—						980
Data not available			7			31			26			17			34			98						2						—						169						384
Total residential first mortgage			$	243		$	1,381		$	2,301		$	3,231		$	4,587		$	8,086					$	2					$	—					$	169					$	20,000
Home equity lines:
FICO scores:
Above 720			$	—		$	—		$	—		$	—		$	—		$	—					$	2,357					$	52					$	—					$	2,409
681-720			—			—			—			—			—			—						347						13						—						360
620-680			—			—			—			—			—			—						196						12						—						208
Below 620			—			—			—			—			—			—						113						8						—						121
Data not available			—			—			—			—			—			—						—						—						32						32
Total home equity lines			$	—		$	—		$	—		$	—		$	—		$	—					$	3,013					$	85					$	32					$	3,130
Home equity loans:
FICO scores:
Above 720			$	74		$	320		$	244		$	296		$	317		$	604					$	—					$	—					$	—					$	1,855
681-720			17			45			42			45			40			72						—						—						—						261
620-680			5			20			21			24			21			59						—						—						—						150
Below 620			—			4			9			15			14			47						—						—						—						89
Data not available			—			—			—			—			—			—						—						—						16						16
Total home equity loans			$	96		$	389		$	316		$	380		$	392		$	782					$	—					$	—					$	16					$	2,371
Consumer credit card:
FICO scores:
Above 720			$	—		$	—		$	—		$	—		$	—		$	—					$	806					$	—					$	—					$	806
681-720			—			—			—			—			—			—						273						—						—						273
620-680			—			—			—			—			—			—						227						—						—						227
Below 620			—			—			—			—			—			—						111						—						—						111
Data not available			—			—			—			—			—			—						5						—						(38)						(33)
Total consumer credit card			$	—		$	—		$	—		$	—		$	—		$	—					$	1,422					$	—					$	(38)					$	1,384
Other consumer(2):
FICO scores:
Above 720			$	175		$	826		$	944		$	1,272		$	392		$	415					$	112					$	—					$	—					$	4,136
681-720			21			154			181			266			90			82						61						—						—						855
620-680			11			83			103			179			61			52						50						—						—						539
Below 620			1			21			47			116			40			32						31						—						—						288
Data not available			56			21			4			10			5			154						—						—						(97)						153
Total other consumer			$	264		$	1,105		$	1,279		$	1,843		$	588		$	735					$	254					$	—					$	(97)					$	5,971
Total consumer loans			$	603		$	2,875		$	3,896		$	5,454		$	5,567		$	9,603					$	4,691					$	85					$	82					$	32,856
Total Loans			$	3,456		$	13,869		$	10,425		$	15,085		$	10,236		$	16,348					$	26,527					$	85					$	(298)					$	95,733

			December 31, 2024
			Term Loans																					Revolving Loans						Revolving Loans Converted to Amortizing						Other (1)						Total
			2024			2023			2022			2021			2020			Prior
			(In millions)
			Commercial and industrial:
Risk rating:
Pass			$	8,285		$	4,798		$	6,295		$	3,284		$	1,526		$	3,446					$	19,165					$	—					$	114					$	46,913
Special Mention			59			309			173			61			3			41						460						—						—						1,106
Substandard Accrual			81			179			255			79			32			84						534						—						—						1,244
Non-accrual			48			90			124			37			5			6						98						—						—						408
Total commercial and industrial			$	8,473		$	5,376		$	6,847		$	3,461		$	1,566		$	3,577					$	20,257					$	—					$	114					$	49,671
Commercial real estate mortgage—owner-occupied:
Risk rating:
Pass			$	794		$	695		$	796		$	785		$	522		$	808					$	87					$	—					$	(5)					$	4,482
Special Mention			5			21			57			33			9			57						2						—						—						184
Substandard Accrual			4			6			37			40			15			33						3						—						—						138
Non-accrual			2			2			5			14			4			9						1						—						—						37
Total commercial real estate mortgage—owner-occupied:			$	805		$	724		$	895		$	872		$	550		$	907					$	93					$	—					$	(5)					$	4,841
Commercial real estate construction—owner-occupied:
Risk rating:
Pass			$	131		$	54		$	38		$	30		$	20		$	37					$	7					$	—					$	—					$	317
Special Mention			—			6			1			—			—			—						—						—						—						7
Substandard Accrual			—			—			3			—			1			—						—						—						—						4
Non-accrual			—			—			—			—			1			4						—						—						—						5
Total commercial real estate construction—owner-occupied:			$	131		$	60		$	42		$	30		$	22		$	41					$	7					$	—					$	—					$	333
Total commercial			$	9,409		$	6,160		$	7,784		$	4,363		$	2,138		$	4,525					$	20,357					$	—					$	109					$	54,845
Commercial investor real estate mortgage:
Risk rating:
Pass			$	1,598		$	464		$	1,753		$	747		$	322		$	125					$	314					$	—					$	(2)					$	5,321
Special Mention			173			12			209			30			11			1						4						—						—						440
Substandard Accrual			76			—			131			39			28			2						107						—						—						383
Non-accrual			167			93			113			—			—			50						—						—						—						423
Total commercial investor real estate mortgage			$	2,014		$	569		$	2,206		$	816		$	361		$	178					$	425					$	—					$	(2)					$	6,567
Commercial investor real estate construction:
Risk rating:
Pass			$	300		$	380		$	443		$	—		$	—		$	2					$	694					$	—					$	(13)					$	1,806
Special Mention			—			32			218			—			—			—						76						—						—						326
Substandard Accrual			—			—			—			—			—			—						11						—						—						11
Non-accrual			—			—			—			—			—			—						—						—						—						—
Total commercial investor real estate construction			$	300		$	412		$	661		$	—		$	—		$	2					$	781					$	—					$	(13)					$	2,143
Total investor real estate			$	2,314		$	981		$	2,867		$	816		$	361		$	180					$	1,206					$	—					$	(15)					$	8,710
Residential first mortgage:
FICO scores:
Above 720			$	1,111		$	1,967		$	2,742		$	4,055		$	4,004		$	2,730					$	—					$	—					$	—					$	16,609
681-720			107			185			253			289			222			305						—						—						—						1,361
620-680			56			87			141			136			99			283						—						—						—						802
Below 620			15			73			138			150			100			419						—						—						—						895
Data not available			29			31			16			41			46			90						2						—						172						427
Total residential first mortgage			$	1,318		$	2,343		$	3,290		$	4,671		$	4,471		$	3,827					$	2					$	—					$	172					$	20,094

			December 31, 2024
			Term Loans																					Revolving Loans						Revolving Loans Converted to Amortizing						Other (1)						Total
			2024			2023			2022			2021			2020			Prior
			(In millions)
			Home equity lines:
FICO scores:
Above 720			$	—		$	—		$	—		$	—		$	—		$	—					$	2,341					$	48					$	—					$	2,389
681-720			—			—			—			—			—			—						339						12						—						351
620-680			—			—			—			—			—			—						176						11						—						187
Below 620			—			—			—			—			—			—						96						7						—						103
Data not available			—			—			—			—			—			—						81						5						34						120
Total home equity lines			$	—		$	—		$	—		$	—		$	—		$	—					$	3,033					$	83					$	34					$	3,150
Home equity loans:
FICO scores:
Above 720			$	328		$	263		$	308		$	329		$	163		$	472					$	—					$	—					$	—					$	1,863
681-720			51			40			49			39			16			56						—						—						—						251
620-680			18			19			23			21			9			48						—						—						—						138
Below 620			3			7			14			13			5			37						—						—						—						79
Data not available			1			1			4			7			4			26						—						—						16						59
Total home equity loans			$	401		$	330		$	398		$	409		$	197		$	639					$	—					$	—					$	16					$	2,390
Consumer credit card:
FICO scores:
Above 720			$	—		$	—		$	—		$	—		$	—		$	—					$	847					$	—					$	—					$	847
681-720			—			—			—			—			—			—						270												—						270
620-680			—			—			—			—			—			—						224						—						—						224
Below 620			—			—			—			—			—			—						108						—						—						108
Data not available			—			—			—			—			—			—						18						—						(22)						(4)
Total consumer credit card			$	—		$	—		$	—		$	—		$	—		$	—					$	1,467					$	—					$	(22)					$	1,445
Other consumer(2):
FICO scores:
Above 720			$	898		$	1,016		$	1,337		$	417		$	232		$	213					$	117					$	—					$	—					$	4,230
681-720			160			191			275			97			49			40						62						—						—						874
620-680			82			111			191			64			31			25						50						—						—						554
Below 620			16			47			117			43			19			17						31						—						—						290
Data not available			71			4			10			6			5			155						2						—						(108)						145
Total other consumer			$	1,227		$	1,369		$	1,930		$	627		$	336		$	450					$	262					$	—					$	(108)					$	6,093
Total consumer loans			$	2,946		$	4,042		$	5,618		$	5,707		$	5,004		$	4,916					$	4,764					$	83					$	92					$	33,172
Total Loans			$	14,669		$	11,183		$	16,269		$	10,886		$	7,503		$	9,621					$	26,327					$	83					$	186					$	96,727

________

(1)Other consists of amounts that are not accounted for at the loan level.

(2)Other consumer class includes overdrafts which are included in the current vintage year. Starting in 2025, other consumer loans include exit portfolios, which consists primarily of indirect auto loans, and presentation of prior periods has been conformed accordingly.

The following tables present gross charge-offs by vintage year for the three months ended March 31, 2025 and 2024.

			March 31, 2025
			Term Loans																					Revolving Loans						Total
			2025			2024			2023			2022			2021			Prior
			(In millions)
Commercial and industrial			$	—		$	3		$	7		$	13		$	3		$	1					$	30					$	57
Commercial real estate mortgage—owner-occupied			—			—			—			—			1			1						—						2
Total commercial			—			3			7			13			4			2						30						59
Commercial investor real estate mortgage			—			8			12			—			—			2						—						22
Total investor real estate			—			8			12			—			—			2						—						22
Consumer credit card			—			—			—			—			—			—						17						17
Other consumer(1)			3			11			7			13			5			5						3						47
Total consumer			3			11			7			13			5			5						20						64
Total gross charge-offs			$	3		$	22		$	26		$	26		$	9		$	9					$	50					$	145

			March 31, 2024
			Term Loans																					Revolving Loans						Total
			2024			2023			2022			2021			2020			Prior
			(In millions)
Commercial and industrial			$	5		$	23		$	17		$	5		$	2		$	7					$	3					$	62
Total commercial			5			23			17			5			2			7						3						62
Commercial investor real estate mortgage			—			—			—			5			—			—						—						5
Total investor real estate			—			—			—			5			—			—						—						5
Residential first mortgage			—			—			—			—			—			1						—						1
Home equity lines			—			—			—			—			—			—						1						1
Consumer credit card			—			—			—			—			—			—						16						16
Other consumer(1)			6			16			20			6			3			5						—						56
Total consumer			6			16			20			6			3			6						17						74
Total gross charge-offs			$	11		$	39		$	37		$	16		$	5		$	13					$	20					$	141

______

(1)Other consumer class includes overdraft gross charge-offs. The majority of overdraft gross charge-offs for the three months ended March 31, 2025 and 2024 are included in the current vintage year. Starting in 2025, other consumer loans include exit portfolios, which consists primarily of indirect auto loans, and presentation of prior periods has been conformed accordingly.

Past Due Financing Receivables

The following tables include an aging analysis of DPD and loans on non-accrual status for each portfolio segment and class as of March 31, 2025 and December 31, 2024. Loans on non-accrual status with no related allowance totaled $150 million and $119 million and were comprised of commercial and investor real estate loans at March 31, 2025 and December 31, 2024, respectively. Non–accrual loans with no related allowance typically include loans where the underlying collateral is deemed sufficient to recover all remaining principal. Loans that have been fully charged-off do not appear in the tables below.

			March 31, 2025
			Accrual Loans
			30-59 DPD						60-89 DPD						90+ DPD						Total 30+ DPD						Total Accrual						Non-accrual						Total
			(In millions)
Commercial and industrial			$	47					$	21					$	22					$	90					$	48,461					$	418					$	48,879
Commercial real estate mortgage—owner-occupied			2						1						1						4						4,809						40						4,849
Commercial real estate construction—owner-occupied			—						—						—						—						315						1						316
Total commercial			49						22						23						94						53,585						459						54,044
Commercial investor real estate mortgage			10						10						—						20						6,049						327						6,376
Commercial investor real estate construction			—						—						—						—						2,457						—						2,457
Total investor real estate			10						10						—						20						8,506						327						8,833
Residential first mortgage			116						55						146						317						19,975						25						20,000
Home equity lines			15						8						13						36						3,104						26						3,130
Home equity loans			9						4						6						19						2,365						6						2,371
Consumer credit card			11						8						21						40						1,384						—						1,384
Other consumer(1)			46						22						23						91						5,971						—						5,971
Total consumer			197						97						209						503						32,799						57						32,856
			$	256					$	129					$	232					$	617					$	94,890					$	843					$	95,733

			December 31, 2024
			Accrual Loans
			30-59 DPD						60-89 DPD						90+ DPD						Total 30+ DPD						Total Accrual						Non-accrual						Total
			(In millions)
Commercial and industrial			$	51					$	18					$	7					$	76					$	49,263					$	408					$	49,671
Commercial real estate mortgage—owner-occupied			4						1						1						6						4,804						37						4,841
Commercial real estate construction—owner-occupied			—						—						—						—						328						5						333
Total commercial			55						19						8						82						54,395						450						54,845
Commercial investor real estate mortgage			—						—						—						—						6,144						423						6,567
Commercial investor real estate construction			—						—						—						—						2,143						—						2,143
Total investor real estate			—						—						—						—						8,287						423						8,710
Residential first mortgage			139						78						143						360						20,071						23						20,094
Home equity lines			15						9						16						40						3,124						26						3,150
Home equity loans			11						6						7						24						2,384						6						2,390
Consumer credit card			11						9						20						40						1,445						—						1,445
Other consumer(1)			51						26						27						104						6,093						—						6,093
Total consumer			227						128						213						568						33,117						55						33,172
			$	282					$	147					$	221					$	650					$	95,799					$	928					$	96,727

_____

(1) Starting in 2025, other consumer loans include exit portfolios, which consists primarily of indirect auto loans, and presentation of prior periods has been conformed accordingly.

Modifications by class and segment

For each portfolio segment and class, the following tables present the end of period balances of new modifications to troubled borrowers and the related percentage of the loan portfolio period-end balance by the type of modification in the three months ended March 31, 2025 and 2024.

									Three Months Ended March 31, 2025
									Term Extension									Interest Rate Reduction									Payment Deferral															Term Extension and Interest Rate Modification																					Total
												$			%(1)						$			%(1)						$			%(1)															$			%(1)																								$			%(1)
									(Dollars in millions)
Commercial and industrial												$	57		0.12		%				$	3		0.01		%				$	—		—		%													$	—		—		%																						$	60		0.12		%
Commercial real estate mortgage—owner-occupied												2			0.03		%				—			—		%				—			—		%													—			—		%																						2			0.03		%
Total commercial												59			0.11		%				3			0.01		%				—			—		%													—			—		%																						62			0.12		%
Commercial investor real estate mortgage												24			0.37		%				—			—		%				—			—		%													—			—		%																						24			0.37		%
Total investor real estate												24			0.27		%				—			—		%				—			—		%													—			—		%																						24			0.27		%
Residential first mortgage												58			0.29		%				—			—		%				1			—		%													6			0.03		%																						65			0.32		%
Home equity lines												—			0.02		%				—			—		%				—			—		%													2			0.06		%																						2			0.08		%
Home equity loans												1			0.03		%				—			—		%				—			—		%													1			0.07		%																						2			0.10		%
Total consumer												59			0.18		%				—			—		%				1			—		%													9			0.03		%																						69			0.21		%
Total												$	142		0.15		%				$	3		—		%				$	1		—		%													$	9		0.01		%																						$	155		0.16		%

												Three Months Ended March 31, 2024
									Term Extension																											Term Extension and Interest Rate Modification																					Total
												$			%(1)																																	$			%(1)																								$			%(1)
												(Dollars in millions)
Commercial and industrial												$	40		0.08		%																															$	—		—		%																						$	40		0.08		%
Commercial real estate mortgage—owner-occupied												1			0.01		%																															—			—		%																						1			0.01		%
Total commercial												41			0.07		%																															—			—		%																						41			0.07		%
Commercial investor real estate mortgage												100			1.56		%																															—			—		%																						100			1.56		%
Total investor real estate												100			1.14		%																															—			—		%																						100			1.14		%
Residential first mortgage												39			0.19		%																															1			0.01		%																						40			0.20		%
Home equity lines												—			—		%																															1			0.02		%																						1			0.03		%
Home equity loans												1			0.04		%																															2			0.08		%																						3			0.12		%
Total consumer												40			0.12		%																															4			0.01		%																						44			0.13		%
												$	181		0.19		%																															$	4		—		%																						$	185		0.19		%

____

(1) Amounts calculated based upon whole dollar values.

Financial impact of modifications to troubled borrowers

The following tables present the financial impact of modifications to troubled borrowers during the three months ended March 31, 2025 and 2024 by class of financing receivable and the type of modification. The tables include new modifications to troubled borrowers, as well as renewals of existing modifications to troubled borrowers.

			Three Months Ended March 31, 2025
			Interest Rate Reduction						Term Extension						Payment Deferral						Term Extension and Interest Rate Modification
			Weighted-Average Term Extension						Weighted-Average Term Extension						Weighted-Average Payment Deferral						Weighted-Average Term Extension						Weighted-Average Reduction in Interest Rate
			(In years, except for percentage data)
Commercial and industrial			less than 1%						0.42						—						—						—
Commercial real estate mortgage—owner-occupied			—						1.92						—						—						—
Commercial investor real estate mortgage			—						0.67						—						—						—
Residential first mortgage			—						7						0.67						2						less than 1%
Home equity lines			—						30						—						23						2		%
Home equity loans			—						13						—						21						2		%

			Three Months Ended March 31, 2024
			Term Extension												Term Extension and Interest Rate Modification
			Weighted-Average Term Extension												Weighted-Average Term Extension						Weighted-Average Reduction in Interest Rate
			(In years, except for percentage data)
Commercial and industrial			1												—						—
Commercial real estate mortgage—owner-occupied			0.67												—						—
Commercial investor real estate mortgage			0.58												—						—
Residential first mortgage			6												9						less than 1%
Home equity lines			—												19						2		%
Home equity loans			12												25						2		%

Aging and non-accrual performance for modifications to troubled borrowers

			March 31, 2025
			Current						30-89 DPD						90+ DPD						Non-Performing Loans						Total
			(In millions)
Commercial and industrial			$	72					$	3					$	—					$	18					$	93
Commercial real estate mortgage—owner-occupied			2						—						—						1						3
Commercial real estate construction—owner-occupied			—						—						—						—						—
Total commercial			74						3						—						19						96
Commercial investor real estate mortgage			64						—						—						54						118
Total investor real estate			64						—						—						54						118
Residential first mortgage			138						25						15						7						185
Home equity lines			10						—						—						1						11
Home equity loans			8						1						—						2						11
Total consumer			156						26						15						10						207
			$	294					$	29					$	15					$	83					$	421

			March 31, 2024
			Current						30-89 DPD						90+ DPD						Non-Performing Loans						Total
			(In millions)
Commercial and industrial			$	161					$	—					$	—					$	184					$	345
Commercial real estate mortgage—owner-occupied			1						—						—						1						2
Total commercial			162						—						—						185						347
Commercial investor real estate mortgage			192						—						—						108						300
Total investor real estate			192						—						—						108						300
Residential first mortgage			87						13						8						5						113
Home equity lines			4						—						—						—						4
Home equity loans			6						1						—						2						9
Total consumer			97						14						8						7						126
			$	451					$	14					$	8					$	300					$	773

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