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Loans And The Allowance For Credit Losses (Tables)

6 Months Ended

Jun. 30, 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:

			June 30, 2025						December 31, 2024
			(In millions)
Commercial and industrial			$	49,586					$	49,671
Commercial real estate mortgage—owner-occupied			4,890						4,841
Commercial real estate construction—owner-occupied			275						333
Total commercial			54,751						54,845
Commercial investor real estate mortgage			6,949						6,567
Commercial investor real estate construction			2,149						2,143
Total investor real estate			9,098						8,710
Residential first mortgage			20,020						20,094
Home equity lines			3,184						3,150
Home equity loans			2,352						2,390
Consumer credit card			1,415						1,445
Other consumer (1)			5,903						6,093
Total consumer			32,874						33,172
Total loans, net of unearned income			$	96,723					$	96,727

______

(1) Starting in 2025, other consumer loans also includes exit portfolios, which were previously presented separately. The portfolio 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 June 30, 2025
			Commercial						Investor Real Estate						Consumer						Total
			(In millions)
Allowance for loan losses, April 1, 2025			$	745					$	236					$	632					$	1,613
Provision for loan losses			62						—						50						112
Loan losses:
Charge-offs			(70)						(2)						(61)						(133)
Recoveries			10						—						10						20
Net loan losses			(60)						(2)						(51)						(113)
Allowance for loan losses, June 30, 2025			747						234						631						1,612
Reserve for unfunded credit commitments, April 1, 2025			91						8						18						117
Provision for unfunded credit commitments			8						5						1						14
Reserve for unfunded credit commitments, June 30, 2025			99						13						19						131
Allowance for credit losses, June 30, 2025			$	846					$	247					$	650					$	1,743

			Three Months Ended June 30, 2024
			Commercial						Investor Real Estate						Consumer						Total
			(In millions)
Allowance for loan losses, April 1, 2024			$	756					$	211					$	650					$	1,617
Provision for loan losses			31						21						53						105
Loan losses:
Charge-offs			(61)						—						(62)						(123)
Recoveries			10						1						11						22
Net loan (losses) recoveries			(51)						1						(51)						(101)
Allowance for loan losses, June 30, 2024			736						233						652						1,621
Reserve for unfunded credit commitments, April 1, 2024			87						10						17						114
Provision for (benefit from) unfunded credit commitments			(2)						(2)						1						(3)
Reserve for unfunded credit commitments, June 30, 2024			85						8						18						111
Allowance for credit losses, June 30, 2024			$	821					$	241					$	670					$	1,732

			Six Months Ended June 30, 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			111						18						106						235
Loan losses:
Charge-offs			(129)						(24)						(125)						(278)
Recoveries			22						—						20						42
Net loan losses			(107)						(24)						(105)						(236)
Allowance for loan losses, June 30, 2025			747						234						631						1,612
Reserve for unfunded credit commitments, January 1, 2025			91						7						18						116
Provision for (benefit from) unfunded credit losses			8						6						1						15
Reserve for unfunded credit commitments, June 30, 2025			99						13						19						131
Allowance for credit losses, June 30, 2025			$	846					$	247					$	650					$	1,743

			Six Months Ended June 30, 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			119						44						104						267
Loan losses:
Charge-offs			(123)						(5)						(136)						(264)
Recoveries			18						2						22						42
Net loan (losses) recoveries			(105)						(3)						(114)						(222)
Allowance for loan losses, June 30, 2024			736						233						652						1,621
Reserve for unfunded credit commitments, January 1, 2024			92						13						19						124
Provision for (benefit from) unfunded credit losses			(7)						(5)						(1)						(13)
Reserve for unfunded credit commitments, June 30, 2024			85						8						18						111
Allowance for credit losses, June 30, 2024			$	821					$	241					$	670					$	1,732

Financing Receivable Credit Quality Indicators

			June 30, 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			$	4,815		$	7,082		$	3,662		$	5,010		$	2,537		$	4,181					$	19,665					$	—					$	101					$	47,053
Special Mention			32			93			235			70			50			26						315						—						—						821
Substandard Accrual			43			112			271			231			32			76						556						—						—						1,321
Non-accrual			30			56			71			75			35			10						114						—						—						391
Total commercial and industrial			$	4,920		$	7,343		$	4,239		$	5,386		$	2,654		$	4,293					$	20,650					$	—					$	101					$	49,586
Commercial real estate mortgage—owner-occupied:
Risk rating:
Pass			$	356		$	794		$	650		$	751		$	718		$	1,138					$	103					$	—					$	(5)					$	4,505
Special Mention			2			9			18			63			36			64						2						—						—						194
Substandard Accrual			34			23			7			16			27			33						6						—						—						146
Non-accrual			1			1			1			5			16			21						—						—						—						45
Total commercial real estate mortgage—owner-occupied:			$	393		$	827		$	676		$	835		$	797		$	1,256					$	111					$	—					$	(5)					$	4,890
Commercial real estate construction—owner-occupied:
Risk rating:
Pass			$	48		$	50		$	28		$	32		$	22		$	48					$	8					$	—					$	—					$	236
Special Mention			1			18			6			8			1			—						—						—						—						34
Substandard Accrual			1			1			—			—			—			2						—						—						—						4
Non-accrual			—			—			—			—			—			1						—						—						—						1
Total commercial real estate construction—owner-occupied:			$	50		$	69		$	34		$	40		$	23		$	51					$	8					$	—					$	—					$	275
Total commercial			$	5,363		$	8,239		$	4,949		$	6,261		$	3,474		$	5,600					$	20,769					$	—					$	96					$	54,751
Commercial investor real estate mortgage:
Risk rating:
Pass			$	1,503		$	1,124		$	381		$	1,391		$	474		$	224					$	411					$	—					$	(4)					$	5,504
Special Mention			236			28			75			230			1			—						31						—						—						601
Substandard Accrual			142			46			—			184			99			30						60						—						—						561
Non-accrual			—			164			34			51			—			10						24						—						—						283
Total commercial investor real estate mortgage			$	1,881		$	1,362		$	490		$	1,856		$	574		$	264					$	526					$	—					$	(4)					$	6,949
Commercial investor real estate construction:
Risk rating:
Pass			$	43		$	480		$	482		$	216		$	—		$	2					$	732					$	—					$	(12)					$	1,943
Special Mention			59			13			—			126			—			—						8						—						—						206
Substandard Accrual			—			—			—			—			—			—						—						—						—						—
Non-accrual			—			—			—			—			—			—						—						—						—						—
Total commercial investor real estate construction			$	102		$	493		$	482		$	342		$	—		$	2					$	740					$	—					$	(12)					$	2,149
Total investor real estate			$	1,983		$	1,855		$	972		$	2,198		$	574		$	266					$	1,266					$	—					$	(16)					$	9,098
Residential first mortgage:
FICO scores:
Above 720			$	620		$	1,212		$	1,870		$	2,643		$	3,890		$	6,350					$	—					$	—					$	—					$	16,585
681-720			48			99			169			212			255			477						—						—						—						1,260
620-680			20			47			83			135			144			389						—						—						—						818
Below 620			4			33			88			157			158			531						—						—						—						971
Data not available			19			27			23			15			32			95						2						—						173						386
Total residential first mortgage			$	711		$	1,418		$	2,233		$	3,162		$	4,479		$	7,842					$	2					$	—					$	173					$	20,020

			June 30, 2025
			Term Loans																					Revolving Loans						Revolving Loans Converted to Amortizing						Other (1)						Total
			2025			2024			2023			2022			2021			Prior
			(In millions)
			Home equity lines:
FICO scores:
Above 720			$	—		$	—		$	—		$	—		$	—		$	—					$	2,416					$	58					—						$	2,474
681-720			—			—			—			—			—			—						339						11			$	—		—						350
620-680			—			—			—			—			—			—						191						13						—						204
Below 620			—			—			—			—			—			—						117						9						—						126
Data not available			—			—			—			—			—			—						1						—						29						30
Total home equity lines			$	—		$	—		$	—		$	—		$	—		$	—					$	3,064					$	91					$	29					$	3,184
Home equity loans:
FICO scores:
Above 720			$	158		$	297		$	231		$	282		$	301		$	566					$	—					$	—					$	—					$	1,835
681-720			31			45			39			43			37			66						—						—						—						261
620-680			9			21			18			22			21			57						—						—						—						148
Below 620			1			6			11			17			14			43						—						—						—						92
Data not available			—			—			—			—			—			—						—						—						16						16
Total home equity loans			$	199		$	369		$	299		$	364		$	373		$	732					$	—					$	—					$	16					$	2,352
Consumer credit card:
FICO scores:
Above 720			$	—		$	—		$	—		$	—		$	—		$	—					$	835					$	—					$	—					$	835
681-720			—			—			—			—			—			—						273						—						—						273
620-680			—			—			—			—			—			—						228						—						—						228
Below 620			—			—			—			—			—			—						114						—						—						114
Data not available			—			—			—			—			—			—						5						—						(40)						(35)
Total consumer credit card			$	—		$	—		$	—		$	—		$	—		$	—					$	1,455					$	—					$	(40)					$	1,415
Other consumer(2):
FICO scores:
Above 720			$	387		$	750		$	895		$	1,224		$	371		$	387					$	112					$	—					$	—					$	4,126
681-720			53			136			160			245			84			73						61						—						—						812
620-680			27			74			93			170			58			50						47						—						—						519
Below 620			5			25			48			111			36			30						32						—						—						287
Data not available			76			4			4			9			6			149						—						—						(89)						159
Total other consumer			$	548		$	989		$	1,200		$	1,759		$	555		$	689					$	252					$	—					$	(89)					$	5,903
Total consumer loans			$	1,458		$	2,776		$	3,732		$	5,285		$	5,407		$	9,263					$	4,773					$	91					$	89					$	32,874
Total Loans			$	8,804		$	12,870		$	9,653		$	13,744		$	9,455		$	15,129					$	26,808					$	91					$	169					$	96,723

			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 also includes exit portfolios, which were previously presented separately. The portfolio 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 six months ended June 30, 2025 and 2024.

			Six Months Ended June 30, 2025
			Term Loans																					Revolving Loans						Total
			2025			2024			2023			2022			2021			Prior
			(In millions)
Commercial and industrial			$	—		$	16		$	19		$	38		$	5		$	2					$	47					$	127
Commercial real estate mortgage—owner-occupied			—			—			—			—			1			1						—						2
Total commercial			—			16			19			38			6			3						47						129
Commercial investor real estate mortgage			—			8			12			—			—			4						—						24
Total investor real estate			—			8			12			—			—			4						—						24
Residential first mortgage			—			—			—			1			—			—						—						1
Home equity lines			—			—			—			—			—			—						1						1
Consumer credit card			—			—			—			—			—			—						34						34
Other consumer(1)			14			15			14			23			9			9						5						89
Total consumer			14			15			14			24			9			9						40						125
Total gross charge-offs			$	14		$	39		$	45		$	62		$	15		$	16					$	87					$	278

			Six Months Ended June 30, 2024
			Term Loans																					Revolving Loans						Total
			2024			2023			2022			2021			2020			Prior
			(In millions)
Commercial and industrial			$	5		$	33		$	36		$	8		$	4		$	8					$	28					$	122
Commercial real estate mortgage—owner-occupied			—			—			—			1			—			—						—						1
Total commercial			5			33			36			9			4			8						28						123
Commercial investor real estate mortgage			—			—			—			5			—			—						—						5
Total investor real estate			—			—			—			5			—			—						—						5
Residential first mortgage			—			—			—			—			—			1						—						1
Home equity lines			—			—			—			—			—			—						2						2
Consumer credit card			—			—			—			—			—			—						31						31
Other consumer(1)			17			23			34			11			5			8						4						102
Total consumer			17			23			34			11			5			9						37						136
Total gross charge-offs			$	22		$	56		$	70		$	25		$	9		$	17					$	65					$	264

______

(1)Other consumer class includes overdraft gross charge-offs. The majority of overdraft gross charge-offs for the six months ended June 30, 2025 and 2024 are included in the current vintage year. Starting in 2025, other consumer loans also includes exit portfolios, which were previously presented separately. The portfolio 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 June 30, 2025 and December 31, 2024. Loans on non-accrual status with no related allowance totaled $107 million and $119 million and were comprised of commercial and investor real estate loans at June 30, 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.

			June 30, 2025
			Accrual Loans
			30-59 DPD						60-89 DPD						90+ DPD						Total 30+ DPD						Total Accrual						Non-accrual						Total
			(In millions)
Commercial and industrial			$	39					$	28					$	19					$	86					$	49,195					$	391					$	49,586
Commercial real estate mortgage—owner-occupied			8						—						1						9						4,845						45						4,890
Commercial real estate construction—owner-occupied			—						—						—						—						274						1						275
Total commercial			47						28						20						95						54,314						437						54,751
Commercial investor real estate mortgage			—						—						—						—						6,666						283						6,949
Commercial investor real estate construction			1						—						—						1						2,149						—						2,149
Total investor real estate			1						—						—						1						8,815						283						9,098
Residential first mortgage			107						64						133						304						19,996						24						20,020
Home equity lines			18						7						12						37						3,158						26						3,184
Home equity loans			8						3						7						18						2,346						6						2,352
Consumer credit card			12						8						20						40						1,415						—						1,415
Other consumer(1)			41						25						23						89						5,903						—						5,903
Total consumer			186						107						195						488						32,818						56						32,874
			$	234					$	135					$	215					$	584					$	95,947					$	776					$	96,723

			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 also includes exit portfolios, which were previously presented separately. The portfolio 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 and six months ended June 30, 2025 and 2024.

												Three Months Ended June 30, 2025
									Term Extension															Payment Deferral															Term Extension and Interest Rate Modification																					Total
												$			%(1)															$			%(1)															$			%(1)																								$			%(1)
												(Dollars in millions)
Commercial and industrial												$	35		0.07		%													$	10		0.02		%													$	—		—		%																						$	45		0.09		%
Commercial real estate mortgage—owner-occupied												2			0.03		%													—			—		%													—			—		%																						2			0.03		%
Total commercial												37			0.07		%													10			0.02		%													—			—		%																						47			0.09		%
Commercial investor real estate mortgage												109			1.56		%													—			—		%													—			—		%																						109			1.56		%
Total investor real estate												109			1.19		%													—			—		%													—			—		%																						109			1.19		%
Residential first mortgage												60			0.30		%													2			0.01		%													3			0.02		%																						65			0.33		%
Home equity lines												—			0.01		%													—			—		%													1			0.04		%																						1			0.05		%
Home equity loans												1			0.06		%													—			—		%													2			0.06		%																						3			0.12		%
Total consumer												61			0.19		%													2			0.01		%													6			0.02		%																						69			0.21		%
Total												$	207		0.21		%													$	12		0.01		%													$	6		0.01		%																						$	225		0.23		%

												Three Months Ended June 30, 2024
									Term Extension															Payment Deferral															Term Extension and Interest Rate Modification																					Total
												$			%(1)															$			%(1)															$			%(1)																								$			%(1)
												(Dollars in millions)
Commercial and industrial												$	23		0.05		%													$	—		—		%													$	—		—		%																						$	23		0.05		%
Commercial real estate mortgage—owner-occupied												3			0.05		%													—			—		%													—			—		%																						3			0.05		%
Total commercial												26			0.05		%													—			—		%													—			—		%																						26			0.05		%
Residential first mortgage												43			0.21		%													1			—		%													1			—		%																						45			0.22		%
Home equity lines												—			—		%													—			—		%													1			0.05		%																						1			0.06		%
Home equity loans												1			0.05		%													—			—		%													2			0.08		%																						3			0.13		%
Total consumer												44			0.13		%													1			—		%													4			0.01		%																						49			0.15		%
Total												$	70		0.07		%													$	1		—		%													$	4		—		%																						$	75		0.08		%

			Six Months Ended June 30, 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			$	85		0.17		%				$	4		0.01		%													$	10		0.02		%													$	—		—		%																						$	99		0.20		%
Commercial real estate mortgage—owner-occupied			2			0.04		%				—			—		%													—			—		%													—			—		%																						2			0.04		%
Total commercial			87			0.16		%				4			0.01		%													10			0.02		%													—			—		%																						101			0.18		%
Commercial investor real estate mortgage			133			1.92		%				—			—		%													—			—		%													—			—		%																						133			1.92		%
Total investor real estate			133			1.46		%				—			—		%													—			—		%													—			—		%																						133			1.46		%
Residential first mortgage			117			0.58		%				—			—		%													3			0.02		%													9			0.04		%																						129			0.64		%
Home equity lines			1			0.02		%				—			—		%													—			—		%													3			0.10		%																						4			0.12		%
Home equity loans			2			0.09		%				—			—		%													—			—		%													3			0.12		%																						5			0.21		%
Total consumer			120			0.36		%				—			—		%													3			0.01		%													15			0.05		%																						138			0.42		%
Total			$	340		0.35		%				$	4		—		%													$	13		0.01		%													$	15		0.02		%																						$	372		0.38		%

			Six Months Ended June 30, 2024
			Term Extension																					Payment Deferral															Term Extension and Interest Rate Modification																					Total
			$			%(1)																								$			%(1)															$			%(1)																								$			%(1)
			(Dollars in millions)
Commercial and industrial			$	35		0.07		%																						$	—		—		%													$	1		—		%																						$	36		0.07		%
Commercial real estate mortgage—owner-occupied			3			0.06		%																						—			—		%													—			—		%																						3			0.06		%
Total commercial			38			0.07		%																						—			—		%													1			—		%																						39			0.07		%
Commercial investor real estate mortgage			100			1.53		%																						—			—		%													—			—		%																						100			1.53		%
Total investor real estate			100			1.14		%																						—			—		%													—			—		%																						100			1.14		%
Residential first mortgage			80			0.40		%																						1			0.01		%													2			0.01		%																						83			0.41		%
Home equity lines			1			0.01		%																						—			—		%													2			0.07		%																						3			0.08		%
Home equity loans			2			0.08		%																						—			—		%													4			0.16		%																						6			0.24		%
Total consumer			83			0.25		%																						1			—		%													8			0.02		%																						92			0.28		%
Total			$	221		0.23		%																						$	1		—		%													$	9		0.01		%																						$	231		0.24		%

____

(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 and six months ended June 30, 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 June 30, 2025
									Term Extension						Payment Deferral						Term Extension and Interest Rate Modification
									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									1.17						0.25						—						—
Commercial real estate mortgage—owner-occupied									1.58						—						—						—
Commercial investor real estate mortgage									0.67						—						—						—
Residential first mortgage									7						0.67						6						1		%
Home equity lines									—						—						29						1		%
Home equity loans									12						—						21						3		%

			Three Months Ended June 30, 2024
			Term Extension						Payment Deferral						Term Extension and Interest Rate Modification
			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			0.92						—						—						—
Commercial real estate mortgage—owner-occupied			0.67						—						—						—
Residential first mortgage			7						0.5						1						less than 1%
Home equity lines			—						—						21						2		%
Home equity loans			7						—						25						3		%

			Six Months Ended June 30, 2025
			Interest Rate Reduction						Term Extension						Payment Deferral						Term Extension and Interest Rate Reduction
			Weighted-Average Reduction in Interest Rate						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%						0.75						0.25						—						—
Commercial real estate mortgage—owner-occupied			—						2.25						—						—						—
Commercial investor real estate mortgage			—						0.67						—						—						—
Residential first mortgage			—						7						0.67						4						1		%
Home equity lines			—						30						—						26						1		%
Home equity loans			—						12						—						21						3		%

			Six Months Ended June 30, 2024
			Term Extension						Payment Deferral						Term Extension and Interest Rate Reduction
			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			1.58						—						—						—
Commercial real estate mortgage—owner-occupied			0.67						—						—						—
Commercial investor real estate mortgage			0.58						—						—						—
Residential first mortgage			7						0.5						6						less than 1%
Home equity lines			—						—						21						2		%
Home equity loans			9						—						25						2		%

Aging and non-accrual performance for modifications to troubled borrowers

			June 30, 2025
			Current						30-89 DPD						90+ DPD						Non-Performing Loans						Total
			(In millions)
Commercial and industrial			$	79					$	—					$	—					$	45					$	124
Commercial real estate mortgage—owner-occupied			2						—						—						1						3
Total commercial			81						—						—						46						127
Commercial investor real estate mortgage			111						—						—						89						200
Total investor real estate			111						—						—						89						200
Residential first mortgage			155						32						11						6						204
Home equity lines			9						1						—						1						11
Home equity loans			8						—						—						3						11
Total consumer			172						33						11						10						226
			$	364					$	33					$	11					$	145					$	553

			June 30, 2024
			Current						30-89 DPD						90+ DPD						Non-Performing Loans						Total
			(In millions)
Commercial and industrial			$	149					$	—					$	—					$	74					$	223
Commercial real estate mortgage—owner-occupied			2						—						—						1						3
Total commercial			151						—						—						75						226
Commercial investor real estate mortgage			130						—						—						136						266
Total investor real estate			130						—						—						136						266
Residential first mortgage			99						16						10						4						129
Home equity lines			4						—						—						—						4
Home equity loans			8						1						—						1						10
Total consumer			111						17						10						5						143
			$	392					$	17					$	10					$	216					$	635

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Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration