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LOANS AND LEASES (Tables) | 9 Months Ended
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Sep. 30, 2025
Receivables [Abstract] |
Schedule of Loans by Class | Loans by Class
dollars in millions | September 30, 2025 |  | December 31, 2024
Commercial |  |  |
Commercial construction | $ | 5,926 |  |  | $ | 5,109 |
Owner occupied commercial mortgage | 17,232 |  |  | 16,842 |
Non-owner occupied commercial mortgage | 15,645 |  |  | 16,194 |
Commercial and industrial | 41,172 |  |  | 40,737 |
Leases | 2,066 |  |  | 2,014 |
Global fund banking | 31,615 |  |  | 27,904 |
Investor dependent | 2,772 |  |  | 3,193 |
Total commercial | 116,428 |  |  | 111,993 |
Consumer |  |  |
Residential mortgage | 23,036 |  |  | 23,152 |
Revolving mortgage | 2,794 |  |  | 2,567 |
Consumer auto | 1,463 |  |  | 1,523 |
Consumer other | 1,037 |  |  | 986 |
Total consumer | 28,330 |  |  | 28,228 |
Total loans and leases | $ | 144,758 |  |  | $ | 140,221 |
Schedule of Amortized Cost of Loans | The following table presents selected components of the amortized cost of loans, including the unamortized discount on acquired loans. Components of Amortized Cost
dollars in millions | September 30, 2025 |  | December 31, 2024
Deferred fees, including unamortized costs and unearned fees on non-PCD loans | $ | (89) |  | $ | (91)
Net unamortized discount on acquired loans |  |  |
Non-PCD | $ | 1,339 |  | $ | 1,504
PCD | 44 |  | 94 |
Total net unamortized discount | $ | 1,383 |  | $ | 1,598
Schedule of Loans and Leases Delinquency Status and Nonaccrual Status | The aging and nonaccrual status of the outstanding loans and leases by class at September 30, 2025 and December 31, 2024 are provided in the tables below. Loans and leases less than 30 days past due are considered current, as various grace periods allow borrowers to make payments within a stated period after the due date and remain in compliance with the respective agreement. Loans and Leases - Delinquency and Nonaccrual Status (1) (2)
dollars in millions | September 30, 2025
| Accruing Loans |  |  |  |
| 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or Greater |  | Total Past Due |  | Current |  | Total Accruing |  | Nonaccrual Loans |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction | $ | 8 |  |  | $ | 20 |  |  | $ | 19 |  |  | $ | 47 |  |  | $ | 5,870 |  |  | $ | 5,917 |  |  | $ | 9 |  |  | $ | 5,926 |
Owner occupied commercial mortgage | 31 |  |  | 21 |  |  | — |  |  | 52 |  |  | 17,022 |  |  | 17,074 |  |  | 158 |  |  | 17,232 |
Non-owner occupied commercial mortgage | 36 |  |  | 36 |  |  | 142 |  |  | 214 |  |  | 15,066 |  |  | 15,280 |  |  | 365 |  |  | 15,645 |
Commercial and industrial | 253 |  |  | 53 |  |  | 40 |  |  | 346 |  |  | 40,250 |  |  | 40,596 |  |  | 576 |  |  | 41,172 |
Leases | 30 |  |  | 7 |  |  | — |  |  | 37 |  |  | 2,004 |  |  | 2,041 |  |  | 25 |  |  | 2,066 |
Global fund banking | — |  |  | — |  |  | — |  |  | — |  |  | 31,615 |  |  | 31,615 |  |  | — |  |  | 31,615 |
Investor dependent | 2 |  |  | 1 |  |  | — |  |  | 3 |  |  | 2,708 |  |  | 2,711 |  |  | 61 |  |  | 2,772 |
Total commercial | 360 |  |  | 138 |  |  | 201 |  |  | 699 |  |  | 114,535 |  |  | 115,234 |  |  | 1,194 |  |  | 116,428 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 116 |  |  | 36 |  |  | 6 |  |  | 158 |  |  | 22,708 |  |  | 22,866 |  |  | 170 |  |  | 23,036 |
Revolving mortgage | 16 |  |  | 3 |  |  | — |  |  | 19 |  |  | 2,742 |  |  | 2,761 |  |  | 33 |  |  | 2,794 |
Consumer auto | 10 |  |  | 2 |  |  | — |  |  | 12 |  |  | 1,443 |  |  | 1,455 |  |  | 8 |  |  | 1,463 |
Consumer other | 4 |  |  | 3 |  |  | 2 |  |  | 9 |  |  | 1,027 |  |  | 1,036 |  |  | 1 |  |  | 1,037 |
Total consumer | 146 |  |  | 44 |  |  | 8 |  |  | 198 |  |  | 27,920 |  |  | 28,118 |  |  | 212 |  |  | 28,330 |
Total loans and leases | $ | 506 |  |  | $ | 182 |  |  | $ | 209 |  |  | $ | 897 |  |  | $ | 142,455 |  |  | $ | 143,352 |  |  | $ | 1,406 |  |  | $ | 144,758 |
| December 31, 2024
| Accruing Loans |  |  |  |
| 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or Greater |  | Total Past Due |  | Current |  | Total Accruing |  | Nonaccrual Loans |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction | $ | 21 |  |  | $ | 1 |  |  | $ | 1 |  |  | $ | 23 |  |  | $ | 5,077 |  |  | $ | 5,100 |  |  | $ | 9 |  |  | $ | 5,109 |
Owner occupied commercial mortgage | 30 |  |  | 9 |  |  | 2 |  |  | 41 |  |  | 16,739 |  |  | 16,780 |  |  | 62 |  |  | 16,842 |
Non-owner occupied commercial mortgage | 43 |  |  | 27 |  |  | 78 |  |  | 148 |  |  | 15,621 |  |  | 15,769 |  |  | 425 |  |  | 16,194 |
Commercial and industrial | 170 |  |  | 40 |  |  | 16 |  |  | 226 |  |  | 40,122 |  |  | 40,348 |  |  | 389 |  |  | 40,737 |
Leases | 33 |  |  | 11 |  |  | 2 |  |  | 46 |  |  | 1,937 |  |  | 1,983 |  |  | 31 |  |  | 2,014 |
Global fund banking | — |  |  | — |  |  | — |  |  | — |  |  | 27,904 |  |  | 27,904 |  |  | — |  |  | 27,904 |
Investor dependent | 10 |  |  | 1 |  |  | — |  |  | 11 |  |  | 3,095 |  |  | 3,106 |  |  | 87 |  |  | 3,193 |
Total commercial | 307 |  |  | 89 |  |  | 99 |  |  | 495 |  |  | 110,495 |  |  | 110,990 |  |  | 1,003 |  |  | 111,993 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 172 |  |  | 27 |  |  | 7 |  |  | 206 |  |  | 22,798 |  |  | 23,004 |  |  | 148 |  |  | 23,152 |
Revolving mortgage | 20 |  |  | 4 |  |  | — |  |  | 24 |  |  | 2,519 |  |  | 2,543 |  |  | 24 |  |  | 2,567 |
Consumer auto | 12 |  |  | 3 |  |  | — |  |  | 15 |  |  | 1,500 |  |  | 1,515 |  |  | 8 |  |  | 1,523 |
Consumer other | 5 |  |  | 3 |  |  | 3 |  |  | 11 |  |  | 974 |  |  | 985 |  |  | 1 |  |  | 986 |
Total consumer | 209 |  |  | 37 |  |  | 10 |  |  | 256 |  |  | 27,791 |  |  | 28,047 |  |  | 181 |  |  | 28,228 |
Total loans and leases | $ | 516 |  |  | $ | 126 |  |  | $ | 109 |  |  | $ | 751 |  |  | $ | 138,286 |  |  | $ | 139,037 |  |  | $ | 1,184 |  |  | $ | 140,221 |
(1) Accrued interest that was reversed when the loan went to nonaccrual status was $14 million for the nine months ended September 30, 2025 and $14 million for the year ended December 31, 2024. (2) Nonaccrual loans for which there was no related ALLL totaled $411 million at September 30, 2025 and $303 million at December 31, 2024. The following tables present the amortized cost and performance of loans to borrowers experiencing financial difficulties for which the terms of the loan were modified during the referenced periods. The period of delinquency is based on the number of days the scheduled payment is contractually past due. Modified Loans Payment Status (twelve months ended September 30, 2025)
dollars in millions | Current |  | 30–59 Days Past Due |  | 60–89 Days Past Due |  | 90 Days or Greater Past Due |  | Total
Commercial |  |  |  |  |  |  |  |  |
Commercial construction | $ | 22 |  |  | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | 23 |
Owner occupied commercial mortgage | 74 |  |  | 1 |  |  | — |  |  | 9 |  |  | 84 |
Non-owner occupied commercial mortgage | 241 |  |  | 4 |  |  | 1 |  |  | 60 |  |  | 306 |
Commercial and industrial | 404 |  |  | 2 |  |  | 1 |  |  | 24 |  |  | 431 |
Investor dependent | 90 |  |  | — |  |  | — |  |  | 1 |  |  | 91 |
Total commercial | 831 |  |  | 8 |  |  | 2 |  |  | 94 |  |  | 935 |
Consumer |  |  |  |  |  |  |  |  |
Residential mortgage | 35 |  |  | 3 |  |  | 3 |  |  | 6 |  |  | 47 |
Revolving mortgage | 7 |  |  | — |  |  | — |  |  | — |  |  | 7 |
Total consumer | 42 |  |  | 3 |  |  | 3 |  |  | 6 |  |  | 54 |
Total loans and leases | $ | 873 |  |  | $ | 11 |  |  | $ | 5 |  |  | $ | 100 |  |  | $ | 989 |
Modified Loans Payment Status (twelve months ended September 30, 2024)
dollars in millions | Current |  | 30–59 Days Past Due |  | 60–89 Days Past Due |  | 90 Days or Greater Past Due |  | Total
Commercial |  |  |  |  |  |  |  |  |
Commercial construction | $ | 3 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 3 |
Owner occupied commercial mortgage | 50 |  |  | — |  |  | 9 |  |  | 2 |  |  | 61 |
Non-owner occupied commercial mortgage | 156 |  |  | 1 |  |  | — |  |  | 16 |  |  | 173 |
Commercial and industrial | 346 |  |  | 1 |  |  | — |  |  | 2 |  |  | 349 |
Investor dependent | 127 |  |  | — |  |  | — |  |  | 1 |  |  | 128 |
Total commercial | 682 |  |  | 2 |  |  | 9 |  |  | 21 |  |  | 714 |
Consumer |  |  |  |  |  |  |  |  |
Residential mortgage | 9 |  |  | 1 |  |  | 2 |  |  | 4 |  |  | 16 |
Revolving mortgage | 6 |  |  | — |  |  | — |  |  | — |  |  | 6 |
Total consumer | 15 |  |  | 1 |  |  | 2 |  |  | 4 |  |  | 22 |
Total loans and leases | $ | 697 |  |  | $ | 3 |  |  | $ | 11 |  |  | $ | 25 |  |  | $ | 736 |
Schedule of Loans Disaggregated by Year of Origination and by Risk Rating | The following tables summarize the commercial loans disaggregated by year of origination and by risk rating. The consumer loan delinquency status by year of origination is also presented below. The tables reflect the amortized cost of the loans and include purchased credit deteriorated (“PCD”) loans. Commercial Loans - Risk Classifications by Class
September 30, 2025
Risk Classification: | Term Loans by Origination Year |  |  |  | Revolving Converted to Term Loans |  |
dollars in millions | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 & Prior |  | Revolving |  |  | Total
Commercial construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,488 |  |  | $ | 1,672 |  |  | $ | 1,453 |  |  | $ | 590 |  |  | $ | 84 |  |  | $ | 79 |  |  | $ | 362 |  |  | $ | — |  |  | $ | 5,728 |
Special Mention | 7 |  |  | 4 |  |  | 56 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 67 |
Substandard | 5 |  |  | 15 |  |  | 4 |  |  | 85 |  |  | 15 |  |  | 4 |  |  | — |  |  | — |  |  | 128 |
Doubtful | 3 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial construction | 1,503 |  |  | 1,691 |  |  | 1,513 |  |  | 675 |  |  | 99 |  |  | 83 |  |  | 362 |  |  | — |  |  | 5,926 |
Owner occupied commercial mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 1,806 |  |  | 2,703 |  |  | 2,345 |  |  | 2,463 |  |  | 2,355 |  |  | 4,253 |  |  | 215 |  |  | 28 |  |  | 16,168 |
Special Mention | 47 |  |  | 32 |  |  | 47 |  |  | 106 |  |  | 40 |  |  | 51 |  |  | 2 |  |  | — |  |  | 325 |
Substandard | 39 |  |  | 59 |  |  | 115 |  |  | 187 |  |  | 94 |  |  | 221 |  |  | 9 |  |  | 1 |  |  | 725 |
Doubtful | — |  |  | 4 |  |  | 10 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 14 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total owner occupied commercial mortgage | 1,892 |  |  | 2,798 |  |  | 2,517 |  |  | 2,756 |  |  | 2,489 |  |  | 4,525 |  |  | 226 |  |  | 29 |  |  | 17,232 |
Non-owner occupied commercial mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 1,977 |  |  | 2,606 |  |  | 3,235 |  |  | 2,241 |  |  | 1,375 |  |  | 2,575 |  |  | 93 |  |  | 3 |  |  | 14,105 |
Special Mention | 128 |  |  | 53 |  |  | 114 |  |  | 51 |  |  | 1 |  |  | 24 |  |  | — |  |  | — |  |  | 371 |
Substandard | 354 |  |  | 243 |  |  | 141 |  |  | 107 |  |  | 35 |  |  | 199 |  |  | 1 |  |  | — |  |  | 1,080 |
Doubtful | 42 |  |  | 21 |  |  | — |  |  | 15 |  |  | — |  |  | 11 |  |  | — |  |  | — |  |  | 89 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total non-owner occupied commercial mortgage | 2,501 |  |  | 2,923 |  |  | 3,490 |  |  | 2,414 |  |  | 1,411 |  |  | 2,809 |  |  | 94 |  |  | 3 |  |  | 15,645 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 9,018 |  |  | 8,274 |  |  | 4,151 |  |  | 3,307 |  |  | 1,717 |  |  | 1,803 |  |  | 9,082 |  |  | 75 |  |  | 37,427 |
Special Mention | 188 |  |  | 234 |  |  | 105 |  |  | 122 |  |  | 193 |  |  | 47 |  |  | 116 |  |  | — |  |  | 1,005 |
Substandard | 410 |  |  | 207 |  |  | 387 |  |  | 454 |  |  | 316 |  |  | 58 |  |  | 502 |  |  | 4 |  |  | 2,338 |
Doubtful | 10 |  |  | 11 |  |  | 31 |  |  | 80 |  |  | 10 |  |  | 1 |  |  | 108 |  |  | — |  |  | 251 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 151 |  |  | — |  |  | 151 |
Total commercial and industrial | 9,626 |  |  | 8,726 |  |  | 4,674 |  |  | 3,963 |  |  | 2,236 |  |  | 1,909 |  |  | 9,959 |  |  | 79 |  |  | 41,172 |
Leases |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 620 |  |  | 591 |  |  | 375 |  |  | 179 |  |  | 79 |  |  | 62 |  |  | — |  |  | — |  |  | 1,906 |
Special Mention | 14 |  |  | 16 |  |  | 13 |  |  | 20 |  |  | 2 |  |  | — |  |  | — |  |  | — |  |  | 65 |
Substandard | 19 |  |  | 22 |  |  | 19 |  |  | 9 |  |  | 7 |  |  | 10 |  |  | — |  |  | — |  |  | 86 |
Doubtful | 2 |  |  | 2 |  |  | 2 |  |  | 2 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 9 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total leases | 655 |  |  | 631 |  |  | 409 |  |  | 210 |  |  | 89 |  |  | 72 |  |  | — |  |  | — |  |  | 2,066 |
Global fund banking |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 983 |  |  | 778 |  |  | 57 |  |  | 104 |  |  | 11 |  |  | 16 |  |  | 29,516 |  |  | 148 |  |  | 31,613 |
Special Mention | — |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | 1 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total global fund banking | 983 |  |  | 779 |  |  | 57 |  |  | 104 |  |  | 11 |  |  | 16 |  |  | 29,517 |  |  | 148 |  |  | 31,615 |
Investor dependent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 798 |  |  | 776 |  |  | 183 |  |  | 108 |  |  | — |  |  | — |  |  | 290 |  |  | — |  |  | 2,155 |
Special Mention | 1 |  |  | 48 |  |  | 7 |  |  | 5 |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | 62 |
Substandard | 65 |  |  | 190 |  |  | 140 |  |  | 46 |  |  | 7 |  |  | — |  |  | 47 |  |  | — |  |  | 495 |
Doubtful | 10 |  |  | 24 |  |  | 16 |  |  | 6 |  |  | — |  |  | — |  |  | 4 |  |  | — |  |  | 60 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total investor dependent | 874 |  |  | 1,038 |  |  | 346 |  |  | 165 |  |  | 7 |  |  | — |  |  | 342 |  |  | — |  |  | 2,772 |
Total commercial | $ | 18,034 |  |  | $ | 18,586 |  |  | $ | 13,006 |  |  | $ | 10,287 |  |  | $ | 6,342 |  |  | $ | 9,414 |  |  | $ | 40,500 |  |  | $ | 259 |  |  | $ | 116,428 |
Consumer Loans - Delinquency Status by Class
September 30, 2025
Days Past Due: | Term Loans by Origination Year |  |  |  | Revolving Converted to Term Loans |  |
dollars in millions | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 & Prior |  | Revolving |  |  | Total
Residential mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | $ | 1,558 |  |  | $ | 2,219 |  |  | $ | 2,671 |  |  | $ | 4,912 |  |  | $ | 4,815 |  |  | $ | 6,574 |  |  | $ | 5 |  |  | $ | — |  |  | $ | 22,754 |
30-59 days | 1 |  |  | 5 |  |  | 15 |  |  | 18 |  |  | 14 |  |  | 81 |  |  | — |  |  | — |  |  | 134 |
60-89 days | 1 |  |  | 2 |  |  | 2 |  |  | 7 |  |  | 4 |  |  | 39 |  |  | — |  |  | — |  |  | 55 |
90 days or greater | — |  |  | 1 |  |  | 5 |  |  | 8 |  |  | 8 |  |  | 71 |  |  | — |  |  | — |  |  | 93 |
Total residential mortgage | 1,560 |  |  | 2,227 |  |  | 2,693 |  |  | 4,945 |  |  | 4,841 |  |  | 6,765 |  |  | 5 |  |  | — |  |  | 23,036 |
Revolving mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,629 |  |  | 125 |  |  | 2,754 |
30-59 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 11 |  |  | 9 |  |  | 20 |
60-89 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 5 |  |  | 6 |
90 days or greater | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 11 |  |  | 14 |
Total revolving mortgage | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,644 |  |  | 150 |  |  | 2,794 |
Consumer auto |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 422 |  |  | 454 |  |  | 248 |  |  | 183 |  |  | 94 |  |  | 45 |  |  | — |  |  | — |  |  | 1,446 |
30-59 days | 1 |  |  | 3 |  |  | 3 |  |  | 3 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | 12 |
60-89 days | — |  |  | 1 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3 |
90 days or greater | — |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |
Total consumer auto | 423 |  |  | 459 |  |  | 253 |  |  | 187 |  |  | 95 |  |  | 46 |  |  | — |  |  | — |  |  | 1,463 |
Consumer other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 89 |  |  | 112 |  |  | 92 |  |  | 55 |  |  | 18 |  |  | 8 |  |  | 655 |  |  | — |  |  | 1,029 |
30-59 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | — |  |  | 3 |
60-89 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | — |  |  | 2 |
90 days or greater | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | — |  |  | 3 |
Total consumer other | 89 |  |  | 112 |  |  | 92 |  |  | 55 |  |  | 18 |  |  | 8 |  |  | 663 |  |  | — |  |  | 1,037 |
Total consumer | $ | 2,072 |  |  | $ | 2,798 |  |  | $ | 3,038 |  |  | $ | 5,187 |  |  | $ | 4,954 |  |  | $ | 6,819 |  |  | $ | 3,312 |  |  | $ | 150 |  |  | $ | 28,330 |
The following tables represent current credit quality indicators by origination year as of December 31, 2024: Commercial Loans - Risk Classifications by Class
December 31, 2024
Risk Classification: | Term Loans by Origination Year |  |  |  | Revolving Converted to Term Loans |  |
dollars in millions | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 & Prior |  | Revolving |  |  | Total
Commercial construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,095 |  |  | $ | 1,854 |  |  | $ | 1,276 |  |  | $ | 287 |  |  | $ | 152 |  |  | $ | 52 |  |  | $ | 148 |  |  | $ | — |  |  | $ | 4,864 |
Special Mention | — |  |  | 80 |  |  | 35 |  |  | — |  |  | 7 |  |  | 24 |  |  | — |  |  | — |  |  | 146 |
Substandard | — |  |  | 8 |  |  | 47 |  |  | 20 |  |  | 7 |  |  | 17 |  |  | — |  |  | — |  |  | 99 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial construction | 1,095 |  |  | 1,942 |  |  | 1,358 |  |  | 307 |  |  | 166 |  |  | 93 |  |  | 148 |  |  | — |  |  | 5,109 |
Owner occupied commercial mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 2,721 |  |  | 2,445 |  |  | 2,747 |  |  | 2,581 |  |  | 2,199 |  |  | 2,988 |  |  | 223 |  |  | 29 |  |  | 15,933 |
Special Mention | 22 |  |  | 46 |  |  | 70 |  |  | 58 |  |  | 32 |  |  | 61 |  |  | 9 |  |  | — |  |  | 298 |
Substandard | 30 |  |  | 34 |  |  | 136 |  |  | 82 |  |  | 73 |  |  | 245 |  |  | 10 |  |  | 1 |  |  | 611 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total owner occupied commercial mortgage | 2,773 |  |  | 2,525 |  |  | 2,953 |  |  | 2,721 |  |  | 2,304 |  |  | 3,294 |  |  | 242 |  |  | 30 |  |  | 16,842 |
Non-owner occupied commercial mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 2,879 |  |  | 3,082 |  |  | 2,744 |  |  | 2,041 |  |  | 1,598 |  |  | 2,134 |  |  | 119 |  |  | 3 |  |  | 14,600 |
Special Mention | — |  |  | 66 |  |  | 293 |  |  | 43 |  |  | 4 |  |  | 86 |  |  | — |  |  | — |  |  | 492 |
Substandard | 12 |  |  | 15 |  |  | 171 |  |  | 39 |  |  | 116 |  |  | 653 |  |  | — |  |  | — |  |  | 1,006 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | 20 |  |  | 76 |  |  | — |  |  | — |  |  | 96 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total non-owner occupied commercial mortgage | 2,891 |  |  | 3,163 |  |  | 3,208 |  |  | 2,123 |  |  | 1,738 |  |  | 2,949 |  |  | 119 |  |  | 3 |  |  | 16,194 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 11,813 |  |  | 6,295 |  |  | 4,622 |  |  | 2,389 |  |  | 1,221 |  |  | 1,408 |  |  | 9,033 |  |  | 67 |  |  | 36,848 |
Special Mention | 145 |  |  | 236 |  |  | 255 |  |  | 302 |  |  | 29 |  |  | 69 |  |  | 203 |  |  | — |  |  | 1,239 |
Substandard | 155 |  |  | 347 |  |  | 614 |  |  | 332 |  |  | 195 |  |  | 207 |  |  | 454 |  |  | 4 |  |  | 2,308 |
Doubtful | 5 |  |  | 23 |  |  | 42 |  |  | 15 |  |  | 1 |  |  | 18 |  |  | 103 |  |  | — |  |  | 207 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 135 |  |  | — |  |  | 135 |
Total commercial and industrial | 12,118 |  |  | 6,901 |  |  | 5,533 |  |  | 3,038 |  |  | 1,446 |  |  | 1,702 |  |  | 9,928 |  |  | 71 |  |  | 40,737 |
Leases |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 739 |  |  | 506 |  |  | 300 |  |  | 147 |  |  | 96 |  |  | 46 |  |  | — |  |  | — |  |  | 1,834 |
Special Mention | 13 |  |  | 17 |  |  | 29 |  |  | 5 |  |  | 4 |  |  | — |  |  | — |  |  | — |  |  | 68 |
Substandard | 21 |  |  | 29 |  |  | 23 |  |  | 13 |  |  | 9 |  |  | 8 |  |  | — |  |  | — |  |  | 103 |
Doubtful | 1 |  |  | 3 |  |  | 2 |  |  | 2 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 9 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total leases | 774 |  |  | 555 |  |  | 354 |  |  | 167 |  |  | 110 |  |  | 54 |  |  | — |  |  | — |  |  | 2,014 |
Global fund banking |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 892 |  |  | 179 |  |  | 147 |  |  | 20 |  |  | 14 |  |  | 12 |  |  | 26,588 |  |  | 36 |  |  | 27,888 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | 5 |  |  | 8 |  |  | 2 |  |  | — |  |  | 1 |  |  | — |  |  | 16 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total global fund banking | 892 |  |  | 179 |  |  | 152 |  |  | 28 |  |  | 16 |  |  | 12 |  |  | 26,589 |  |  | 36 |  |  | 27,904 |
Investor dependent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 1,135 |  |  | 640 |  |  | 352 |  |  | 37 |  |  | — |  |  | — |  |  | 315 |  |  | 3 |  |  | 2,482 |
Special Mention | 17 |  |  | 28 |  |  | 6 |  |  | — |  |  | — |  |  | — |  |  | 26 |  |  | — |  |  | 77 |
Substandard | 122 |  |  | 173 |  |  | 164 |  |  | 31 |  |  | 1 |  |  | — |  |  | 61 |  |  | — |  |  | 552 |
Doubtful | 26 |  |  | 19 |  |  | 28 |  |  | 5 |  |  | — |  |  | — |  |  | 4 |  |  | — |  |  | 82 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total investor dependent | 1,300 |  |  | 860 |  |  | 550 |  |  | 73 |  |  | 1 |  |  | — |  |  | 406 |  |  | 3 |  |  | 3,193 |
Total commercial | $ | 21,843 |  |  | $ | 16,125 |  |  | $ | 14,108 |  |  | $ | 8,457 |  |  | $ | 5,781 |  |  | $ | 8,104 |  |  | $ | 37,432 |  |  | $ | 143 |  |  | $ | 111,993 |
Consumer Loans - Delinquency Status by Class
December 31, 2024
Days Past Due: | Term Loans by Origination Year |  |  |  | Revolving Converted to Term Loans |  |
dollars in millions | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 & Prior |  | Revolving |  |  | Total
Residential mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | $ | 2,178 |  |  | $ | 2,968 |  |  | $ | 5,264 |  |  | $ | 5,148 |  |  | $ | 2,913 |  |  | $ | 4,353 |  |  | $ | 4 |  |  | $ | — |  |  | $ | 22,828 |
30-59 days | 3 |  |  | 13 |  |  | 19 |  |  | 23 |  |  | 31 |  |  | 95 |  |  | — |  |  | — |  |  | 184 |
60-89 days | 1 |  |  | 3 |  |  | 5 |  |  | 2 |  |  | 2 |  |  | 28 |  |  | — |  |  | — |  |  | 41 |
90 days or greater | — |  |  | 4 |  |  | 6 |  |  | 7 |  |  | 9 |  |  | 73 |  |  | — |  |  | — |  |  | 99 |
Total residential mortgage | 2,182 |  |  | 2,988 |  |  | 5,294 |  |  | 5,180 |  |  | 2,955 |  |  | 4,549 |  |  | 4 |  |  | — |  |  | 23,152 |
Revolving mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,420 |  |  | 108 |  |  | 2,528 |
30-59 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 16 |  |  | 6 |  |  | 22 |
60-89 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 5 |  |  | 6 |
90 days or greater | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 8 |  |  | 11 |
Total revolving mortgage | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,440 |  |  | 127 |  |  | 2,567 |
Consumer auto |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 617 |  |  | 358 |  |  | 277 |  |  | 155 |  |  | 68 |  |  | 27 |  |  | — |  |  | — |  |  | 1,502 |
30-59 days | 3 |  |  | 3 |  |  | 3 |  |  | 2 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | 13 |
60-89 days | 1 |  |  | 1 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4 |
90 days or greater | 1 |  |  | 1 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4 |
Total consumer auto | 622 |  |  | 363 |  |  | 282 |  |  | 159 |  |  | 69 |  |  | 28 |  |  | — |  |  | — |  |  | 1,523 |
Consumer other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 147 |  |  | 144 |  |  | 99 |  |  | 30 |  |  | 6 |  |  | 18 |  |  | 531 |  |  | — |  |  | 975 |
30-59 days | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 3 |  |  | — |  |  | 5 |
60-89 days | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | — |  |  | 3 |
90 days or greater | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 2 |  |  | — |  |  | 3 |
Total consumer other | 148 |  |  | 144 |  |  | 100 |  |  | 30 |  |  | 6 |  |  | 20 |  |  | 538 |  |  | — |  |  | 986 |
Total consumer | $ | 2,952 |  |  | $ | 3,495 |  |  | $ | 5,676 |  |  | $ | 5,369 |  |  | $ | 3,030 |  |  | $ | 4,597 |  |  | $ | 2,982 |  |  | $ | 127 |  |  | $ | 28,228 |
Schedule of Troubled Debt Restructuring | Gross charge-off disclosures by origination year and loan class are summarized in the following tables:
Nine Months Ended September 30, 2025
| Term Loans by Origination Year |  |  |  | Revolving Converted to Term Loans |  |
dollars in millions | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 & Prior |  | Revolving |  |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |
Owner occupied commercial mortgage | — |  |  | 2 |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 3 |
Non-owner occupied commercial mortgage | 4 |  |  | 23 |  |  | 3 |  |  | 20 |  |  | — |  |  | 32 |  |  | — |  |  | — |  |  | 82 |
Commercial and industrial | 28 |  |  | 20 |  |  | 51 |  |  | 44 |  |  | 9 |  |  | 3 |  |  | 191 |  |  | 1 |  |  | 347 |
Leases | 2 |  |  | 3 |  |  | 3 |  |  | 3 |  |  | 1 |  |  | 3 |  |  | — |  |  | — |  |  | 15 |
Investor dependent | — |  |  | 14 |  |  | 30 |  |  | 28 |  |  | 7 |  |  | 4 |  |  | 9 |  |  | — |  |  | 92 |
Total commercial | 34 |  |  | 62 |  |  | 87 |  |  | 96 |  |  | 17 |  |  | 43 |  |  | 200 |  |  | 1 |  |  | 540 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 6 |  |  | — |  |  | — |  |  | 6 |
Consumer auto | — |  |  | 2 |  |  | 2 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 6 |
Consumer other | — |  |  | 1 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | 12 |  |  | — |  |  | 15 |
Total consumer | — |  |  | 3 |  |  | 3 |  |  | 2 |  |  | 1 |  |  | 6 |  |  | 12 |  |  | — |  |  | 27 |
Total loans and leases | $ | 34 |  |  | $ | 65 |  |  | $ | 90 |  |  | $ | 98 |  |  | $ | 18 |  |  | $ | 49 |  |  | $ | 212 |  |  | $ | 1 |  |  | $ | 567 |
Nine Months Ended September 30, 2024
| Term Loans by Origination Year |  |  |  | Revolving Converted to Term Loans |  |
dollars in millions | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 & Prior |  | Revolving |  |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied commercial mortgage | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 8 |  |  | $ | — |  |  | $ | — |  |  | $ | 8 |
Non-owner occupied commercial mortgage | — |  |  | — |  |  | — |  |  | — |  |  | 19 |  |  | 70 |  |  | — |  |  | — |  |  | 89 |
Commercial and industrial | 8 |  |  | 35 |  |  | 65 |  |  | 15 |  |  | 4 |  |  | 10 |  |  | 50 |  |  | 1 |  |  | 188 |
Leases | 1 |  |  | 4 |  |  | 4 |  |  | 4 |  |  | 2 |  |  | 2 |  |  | — |  |  | — |  |  | 17 |
Investor dependent | — |  |  | 37 |  |  | 63 |  |  | 27 |  |  | 3 |  |  | 4 |  |  | 7 |  |  | — |  |  | 141 |
Total commercial | 9 |  |  | 76 |  |  | 132 |  |  | 46 |  |  | 28 |  |  | 94 |  |  | 57 |  |  | 1 |  |  | 443 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 1 |
Consumer auto | — |  |  | 2 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4 |
Consumer other | — |  |  | 1 |  |  | 1 |  |  | 1 |  |  | — |  |  | 1 |  |  | 12 |  |  | — |  |  | 16 |
Total consumer | — |  |  | 3 |  |  | 2 |  |  | 2 |  |  | — |  |  | 2 |  |  | 12 |  |  | — |  |  | 21 |
Total loans and leases | $ | 9 |  |  | $ | 79 |  |  | $ | 134 |  |  | $ | 48 |  |  | $ | 28 |  |  | $ | 96 |  |  | $ | 69 |  |  | $ | 1 |  |  | $ | 464 |
The following tables present the amortized cost of loan modifications made to debtors experiencing financial difficulty, disaggregated by class and type of loan modification. The tables also provide financial effects by type of such loan modifications for the respective loan class. Loan modifications for principal forgiveness round to less than $1 million for all loan classes in all periods presented and are not presented in the following tables. Amortized Cost of Loans Modified during the three months ended September 30, 2025
dollars in millions | Term Extension (1) |  | Payment Delay |  | Interest Rate Reduction |  | Term Extension (1) and Interest Rate Reduction |  | Term Extension (1) and Payment Delay |  | Other Combinations (2) |  | Total |  | Percent of Total Loan Class
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction | $ | 8 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 7 |  |  | $ | — |  |  | $ | 15 |  |  | 0.24 | %
Owner occupied commercial mortgage | 8 |  |  | 3 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 11 |  |  | 0.07 |
Non-owner occupied commercial mortgage | 61 |  |  | 9 |  |  | — |  |  | 45 |  |  | — |  |  | — |  |  | 115 |  |  | 0.74 |
Commercial and industrial | 233 |  |  | 48 |  |  | — |  |  | 14 |  |  | 4 |  |  | 1 |  |  | 300 |  |  | 0.73 |
Investor dependent | 9 |  |  | 40 |  |  | — |  |  | — |  |  | 4 |  |  | — |  |  | 53 |  |  | 1.92 |
Total commercial | 319 |  |  | 100 |  |  | — |  |  | 59 |  |  | 15 |  |  | 1 |  |  | 494 |  |  | 0.42 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 7 |  |  | — |  |  | 1 |  |  | — |  |  | 2 |  |  | — |  |  | 10 |  |  | 0.04 |
Total consumer | 7 |  |  | — |  |  | 1 |  |  | — |  |  | 2 |  |  | — |  |  | 10 |  |  | 0.04 |
Total loans and leases | $ | 326 |  |  | $ | 100 |  |  | $ | 1 |  |  | $ | 59 |  |  | $ | 17 |  |  | $ | 1 |  |  | $ | 504 |  |  | 0.35 | %
(1) Term extensions include modifications in which the balloon principal payment was deferred to a later date or the loan amortization period was extended. (2) Consists of $1 million of commercial and industrial loans modified with a term extension, payment delay, and interest rate reduction. Amortized Cost of Loans Modified during the three months ended September 30, 2024
dollars in millions | Term Extension (1) |  | Payment Delay |  | Interest Rate Reduction |  | Term Extension (1) and Interest Rate Reduction |  | Term Extension (1) and Payment Delay |  |  |  | Total |  | Percent of Total Loan Class
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied commercial mortgage | $ | 15 |  |  | $ | 1 |  |  | $ | — |  |  | $ | 8 |  |  | $ | — |  |  |  |  | $ | 24 |  |  | 0.15 | %
Non-owner occupied commercial mortgage | 30 |  |  | 6 |  |  | — |  |  | — |  |  | — |  |  |  |  | 36 |  |  | 0.22 |
Commercial and industrial | 140 |  |  | — |  |  | — |  |  | 3 |  |  | 1 |  |  |  |  | 144 |  |  | 0.36 |
Investor dependent | 6 |  |  | 34 |  |  | — |  |  | — |  |  | 8 |  |  |  |  | 48 |  |  | 1.37 |
Total commercial | 191 |  |  | 41 |  |  | — |  |  | 11 |  |  | 9 |  |  |  |  | 252 |  |  | 0.23 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 1 |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  |  |  | 2 |  |  | 0.01 |
Revolving mortgage | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  | 1 |  |  | 0.05 |
Total consumer | 2 |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  |  |  | 3 |  |  | 0.01 |
Total loans and leases | $ | 193 |  |  | $ | 41 |  |  | $ | — |  |  | $ | 12 |  |  | $ | 9 |  |  |  |  | $ | 255 |  |  | 0.18 | %
(1) Term extensions include modifications in which the balloon principal payment was deferred to a later date or the loan amortization period was extended. Financial Effects of Loan Modifications made during the three months ended September 30, 2025
dollars in millions | Weighted Average Term Extension (in Months) |  | Weighted Average Interest Rate Reduction |  | Weighted Average Payment Delay (in Months) |  |
Commercial |  |  |  |  |  |  |
Commercial construction | 8 |  |  | — | % |  | 7 |  |  |
Owner occupied commercial mortgage | 13 |  |  | — |  |  | 6 |  |  |
Non-owner occupied commercial mortgage | 9 |  |  | 0.52 |  |  | 36 |  |  |
Commercial and industrial | 15 |  |  | 1.05 |  |  | 12 |  |  |
Leases | 60 |  |  | — |  |  | — |  |  |
Investor dependent | 11 |  |  | — |  |  | 6 |  |  |
Total commercial | 13 |  |  | 0.65 |  |  | 11 |  |  |
Consumer |  |  |  |  |  |  |
Residential mortgage | 21 |  |  | 1.52 |  |  | 8 |  |  |
Revolving mortgage | 58 |  |  | 4.36 |  |  | — |  |  |
Consumer auto | 18 |  |  | — |  |  | — |  |  |
Consumer other | 60 |  |  | 11.41 |  |  | — |  |  |
Total consumer | 24 |  |  | 3.01 |  |  | 8 |  |  |
Total loans and leases | 13 |  |  | 0.71 | % |  | 11 |  |  |
Financial Effects of Loan Modifications made during the three months ended September 30, 2024
dollars in millions | Weighted Average Term Extension (in Months) |  | Weighted Average Interest Rate Reduction |  | Weighted Average Payment Delay (in Months) |  |
Commercial |  |  |  |  |  |  |
Commercial construction | 36 |  |  | 0.60 | % |  | — |  |  |
Owner occupied commercial mortgage | 17 |  |  | 1.82 |  |  | 6 |  |  |
Non-owner occupied commercial mortgage | 7 |  |  | — |  |  | 6 |  |  |
Commercial and industrial | 15 |  |  | 2.61 |  |  | 6 |  |  |
Leases | 11 |  |  | — |  |  | — |  |  |
Investor dependent | 9 |  |  | — |  |  | 6 |  |  |
Total commercial | 14 |  |  | 2.03 |  |  | 6 |  |  |
Consumer |  |  |  |  |  |  |
Residential mortgage | 47 |  |  | 2.07 |  |  | 11 |  |  |
Revolving mortgage | 60 |  |  | 5.42 |  |  | — |  |  |
Consumer auto | 31 |  |  | — |  |  | — |  |  |
Consumer other | 60 |  |  | 10.54 |  |  | — |  |  |
Total consumer | 52 |  |  | 3.29 |  |  | 11 |  |  |
Total loans and leases | 14 |  |  | 2.19 | % |  | 6 |  |  |
Note: The financial effects of loan modifications for certain loan classes reported in the tables above were not reported in the preceding tables as the total amortized cost of loans modified during the period for such loan classes rounded to less than $1 million. Amortized Cost of Loans Modified during the nine months ended September 30, 2025
dollars in millions | Term Extension (1) |  | Payment Delay |  | Interest Rate Reduction |  | Term Extension (1) and Interest Rate Reduction |  | Term Extension (1) and Payment Delay |  | Other Combinations (2) |  | Total |  | Percent of Total Loan Class
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction | $ | 8 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 15 |  |  | $ | — |  |  | $ | 23 |  |  | 0.38 | %
Owner occupied commercial mortgage | 11 |  |  | 5 |  |  | — |  |  | 29 |  |  | 22 |  |  | — |  |  | 67 |  |  | 0.39 |
Non-owner occupied commercial mortgage | 120 |  |  | 9 |  |  | — |  |  | 109 |  |  | 23 |  |  | — |  |  | 261 |  |  | 1.67 |
Commercial and industrial | 267 |  |  | 124 |  |  | — |  |  | 16 |  |  | 13 |  |  | 6 |  |  | 426 |  |  | 1.03 |
Investor dependent | 15 |  |  | 59 |  |  | — |  |  | — |  |  | 10 |  |  | — |  |  | 84 |  |  | 3.04 |
Total commercial | 421 |  |  | 197 |  |  | — |  |  | 154 |  |  | 83 |  |  | 6 |  |  | 861 |  |  | 0.74 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 15 |  |  | — |  |  | 1 |  |  | 2 |  |  | 25 |  |  | — |  |  | 43 |  |  | 0.18 |
Revolving mortgage | 1 |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 2 |  |  | 0.07 |
Total consumer | 16 |  |  | — |  |  | 1 |  |  | 3 |  |  | 25 |  |  | — |  |  | 45 |  |  | 0.16 |
Total loans and leases | $ | 437 |  |  | $ | 197 |  |  | $ | 1 |  |  | $ | 157 |  |  | $ | 108 |  |  | $ | 6 |  |  | $ | 906 |  |  | 0.63 | %
(1) Term extensions include modifications in which the balloon principal payment was deferred to a later date or the loan amortization period was extended. (2) Consists of $6 million of commercial and industrial loans modified with a term extension, payment delay, and interest rate reduction. Amortized Cost of Loans Modified during the nine months ended September 30, 2024
dollars in millions | Term Extension (1) |  | Payment Delay |  | Interest Rate Reduction |  | Term Extension (1) and Interest Rate Reduction |  | Term Extension (1) and Payment Delay |  | Other Combinations (2) |  | Total |  | Percent of Total Loan Class
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial construction | $ | 3 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 3 |  |  | 0.06 | %
Owner occupied commercial mortgage | 36 |  |  | 1 |  |  | 4 |  |  | 9 |  |  | 9 |  |  | — |  |  | 59 |  |  | 0.36 |
Non-owner occupied commercial mortgage | 108 |  |  | 6 |  |  | — |  |  | — |  |  | 26 |  |  | — |  |  | 140 |  |  | 0.88 |
Commercial and industrial | 191 |  |  | 91 |  |  | 31 |  |  | 12 |  |  | 1 |  |  | — |  |  | 326 |  |  | 0.81 |
Investor dependent | 7 |  |  | 78 |  |  | — |  |  | — |  |  | 33 |  |  | 1 |  |  | 119 |  |  | 3.32 |
Total commercial | 345 |  |  | 176 |  |  | 35 |  |  | 21 |  |  | 69 |  |  | 1 |  |  | 647 |  |  | 0.59 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 7 |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 8 |  |  | 0.04 |
Revolving mortgage | 4 |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 5 |  |  | 0.20 |
Total consumer | 11 |  |  | — |  |  | — |  |  | 2 |  |  | — |  |  | — |  |  | 13 |  |  | 0.05 |
Total loans and leases | $ | 356 |  |  | $ | 176 |  |  | $ | 35 |  |  | $ | 23 |  |  | $ | 69 |  |  | $ | 1 |  |  | $ | 660 |  |  | 0.48 | %
(1) Term extensions include modifications in which the balloon principal payment was deferred to a later date or the loan amortization period was extended. (2) Consists of $1 million of investor dependent loans modified with a term extension, interest rate reduction, and payment delay. Financial Effects of Loan Modifications made during the nine months ended September 30, 2025
| Weighted Average Term Extension (in Months) |  | Weighted Average Interest Rate Reduction |  | Weighted Average Payment Delay (in Months) |  |
Commercial |  |  |  |  |  |  |
Commercial construction | 7 |  |  | — | % |  | 6 |  |  |
Owner occupied commercial mortgage | 11 |  |  | 1.93 |  |  | 5 |  |  |
Non-owner occupied commercial mortgage | 17 |  |  | 0.56 |  |  | 14 |  |  |
Commercial and industrial | 14 |  |  | 1.31 |  |  | 12 |  |  |
Leases | 60 |  |  | — |  |  | — |  |  |
Investor dependent | 9 |  |  | — |  |  | 7 |  |  |
Total commercial | 15 |  |  | 0.91 |  |  | 10 |  |  |
Consumer |  |  |  |  |  |  |
Residential mortgage | 14 |  |  | 1.21 |  |  | 6 |  |  |
Revolving mortgage | 48 |  |  | 4.04 |  |  | 5 |  |  |
Consumer auto | 19 |  |  | — |  |  | — |  |  |
Consumer other | 60 |  |  | 9.93 |  |  | — |  |  |
Total consumer | 16 |  |  | 2.39 |  |  | 6 |  |  |
Total loans and leases | 15 |  |  | 0.95 | % |  | 10 |  |  |
Financial Effects of Loan Modifications made during the nine months ended September 30, 2024
| Weighted Average Term Extension (in Months) |  | Weighted Average Interest Rate Reduction |  | Weighted Average Payment Delay (in Months) |  |
Commercial |  |  |  |  |  |  |
Commercial construction | 15 |  |  | 0.60 | % |  | — |  |  |
Owner occupied commercial mortgage | 28 |  |  | 1.67 |  |  | 18 |  |  |
Non-owner occupied commercial mortgage | 20 |  |  | — |  |  | 40 |  |  |
Commercial and industrial | 15 |  |  | 0.71 |  |  | 12 |  |  |
Leases | 11 |  |  | — |  |  | 6 |  |  |
Investor dependent | 11 |  |  | 2.75 |  |  | 8 |  |  |
Total commercial | 18 |  |  | 0.96 |  |  | 14 |  |  |
Consumer |  |  |  |  |  |  |
Residential mortgage | 70 |  |  | 2.09 |  |  | 11 |  |  |
Revolving mortgage | 60 |  |  | 4.73 |  |  | — |  |  |
Consumer auto | 29 |  |  | 0.26 |  |  | — |  |  |
Consumer other | 57 |  |  | 9.65 |  |  | — |  |  |
Total consumer | 66 |  |  | 3.41 |  |  | 11 |  |  |
Total loans and leases | 19 |  |  | 1.07 | % |  | 14 |  |  |
Note: The financial effects of loan modifications for certain loan classes reported in the tables above were not reported in the preceding tables as the total amortized cost of loans modified during the period for such loan classes rounded to less than $1 million.
Schedule of Loans Pledged as Collateral | The following table provides information regarding loans pledged as collateral for borrowing capacity through the FHLB of Atlanta, the Federal Reserve Bank (“FRB”) and FDIC. Loans Pledged
dollars in millions | September 30, 2025 |  | December 31, 2024
FHLB of Atlanta |  |  |
Lendable collateral value of pledged non-PCD loans | $ | 19,472 |  |  | $ | 17,873 |
Less: advances | — |  |  | — |
Less: letters of credit | 1,450 |  |  | 1,450 |
Available borrowing capacity | $ | 18,022 |  |  | $ | 16,423 |
Pledged non-PCD loans | $ | 31,945 |  |  | $ | 30,421 |
FRB |  |  |
Lendable collateral value of pledged non-PCD loans | $ | 13,328 |  |  | $ | 5,475 |
Less: advances | — |  |  | — |
Available borrowing capacity | $ | 13,328 |  |  | $ | 5,475 |
Pledged non-PCD loans | $ | 13,804 |  |  | $ | 6,309 |
FDIC |  |  |
Lendable collateral value of pledged loans | $ | 36,228 |  |  | $ | 41,282 |
Less: advances | — |  |  | — |
Less: Purchase Money Note | 35,991 |  |  | 35,991 |
Available borrowing capacity (1) | $ | — |  |  | $ | 5,291 |
Pledged loans (1) | $ | 34,860 |  |  | $ | 41,040 |
(1) The draw period ended on March 27, 2025, therefore there is no available borrowing capacity at September 30, 2025. Loans remain pledged as collateral for the Purchase Money Note.

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