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LOANS AND LEASES (Tables) | 12 Months Ended
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Dec. 31, 2025
Receivables [Abstract] |
Schedule of Loans by Class | The following table summarizes loans by class: Loans by Class
dollars in millions | December 31, 2025 |  | December 31, 2024
Commercial |  |  |
Commercial and industrial | $ | 44,721 |  |  | $ | 43,559 |
Capital call lines | 31,791 |  |  | 25,501 |
Owner occupied commercial mortgage | 17,660 |  |  | 16,842 |
Investor dependent | 2,778 |  |  | 3,193 |
Commercial real estate | 23,784 |  |  | 23,282 |
Total commercial | 120,734 |  |  | 112,377 |
Consumer |  |  |
Residential mortgage | 21,861 |  |  | 22,768 |
Revolving mortgage | 2,863 |  |  | 2,567 |
Auto | 1,416 |  |  | 1,523 |
Other consumer | 1,056 |  |  | 986 |
Total consumer | 27,196 |  |  | 27,844 |
Total loans and leases | $ | 147,930 |  |  | $ | 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 | December 31, 2025 |  | December 31, 2024
Deferred fees, including unamortized costs and unearned fees on non-PCD loans | $ | (103) |  | $ | (91)
Net unamortized discount on acquired loans |  |  |
Non-PCD | $ | 1,281 |  | $ | 1,504
PCD | 45 |  | 94 |
Total net unamortized discount | $ | 1,326 |  | $ | 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 December 31, 2025 and 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)
dollars in millions | December 31, 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 (2) |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 232 |  |  | $ | 56 |  |  | $ | 63 |  |  | $ | 351 |  |  | $ | 43,914 |  |  | $ | 44,265 |  |  | $ | 456 |  |  | $ | 44,721 |
Capital call lines | — |  |  | — |  |  | — |  |  | — |  |  | 31,791 |  |  | 31,791 |  |  | — |  |  | 31,791 |
Owner occupied commercial mortgage | 78 |  |  | 19 |  |  | 1 |  |  | 98 |  |  | 17,403 |  |  | 17,501 |  |  | 159 |  |  | 17,660 |
Investor dependent | 11 |  |  | 1 |  |  | — |  |  | 12 |  |  | 2,717 |  |  | 2,729 |  |  | 49 |  |  | 2,778 |
Commercial real estate | 221 |  |  | 31 |  |  | 171 |  |  | 423 |  |  | 22,943 |  |  | 23,366 |  |  | 418 |  |  | 23,784 |
Total commercial | 542 |  |  | 107 |  |  | 235 |  |  | 884 |  |  | 118,768 |  |  | 119,652 |  |  | 1,082 |  |  | 120,734 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 168 |  |  | 42 |  |  | 7 |  |  | 217 |  |  | 21,465 |  |  | 21,682 |  |  | 179 |  |  | 21,861 |
Revolving mortgage | 25 |  |  | 4 |  |  | — |  |  | 29 |  |  | 2,799 |  |  | 2,828 |  |  | 35 |  |  | 2,863 |
Auto | 15 |  |  | 3 |  |  | — |  |  | 18 |  |  | 1,389 |  |  | 1,407 |  |  | 9 |  |  | 1,416 |
Other consumer | 5 |  |  | 3 |  |  | 2 |  |  | 10 |  |  | 1,044 |  |  | 1,054 |  |  | 2 |  |  | 1,056 |
Total consumer | 213 |  |  | 52 |  |  | 9 |  |  | 274 |  |  | 26,697 |  |  | 26,971 |  |  | 225 |  |  | 27,196 |
Total loans and leases | $ | 755 |  |  | $ | 159 |  |  | $ | 244 |  |  | $ | 1,158 |  |  | $ | 145,465 |  |  | $ | 146,623 |  |  | $ | 1,307 |  |  | $ | 147,930 |
| 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 (2) |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 203 |  |  | $ | 50 |  |  | $ | 17 |  |  | $ | 270 |  |  | $ | 42,869 |  |  | $ | 43,139 |  |  | $ | 420 |  |  | $ | 43,559 |
Capital call lines | — |  |  | — |  |  | — |  |  | — |  |  | 25,501 |  |  | 25,501 |  |  | — |  |  | 25,501 |
Owner occupied commercial mortgage | 30 |  |  | 9 |  |  | 2 |  |  | 41 |  |  | 16,739 |  |  | 16,780 |  |  | 62 |  |  | 16,842 |
Investor dependent | 11 |  |  | 1 |  |  | — |  |  | 12 |  |  | 3,094 |  |  | 3,106 |  |  | 87 |  |  | 3,193 |
Commercial real estate | 65 |  |  | 30 |  |  | 79 |  |  | 174 |  |  | 22,669 |  |  | 22,843 |  |  | 439 |  |  | 23,282 |
Total commercial | 309 |  |  | 90 |  |  | 98 |  |  | 497 |  |  | 110,872 |  |  | 111,369 |  |  | 1,008 |  |  | 112,377 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 172 |  |  | 25 |  |  | 7 |  |  | 204 |  |  | 22,421 |  |  | 22,625 |  |  | 143 |  |  | 22,768 |
Revolving mortgage | 20 |  |  | 4 |  |  | — |  |  | 24 |  |  | 2,519 |  |  | 2,543 |  |  | 24 |  |  | 2,567 |
Auto | 12 |  |  | 3 |  |  | — |  |  | 15 |  |  | 1,500 |  |  | 1,515 |  |  | 8 |  |  | 1,523 |
Other consumer | 5 |  |  | 3 |  |  | 3 |  |  | 11 |  |  | 974 |  |  | 985 |  |  | 1 |  |  | 986 |
Total consumer | 209 |  |  | 35 |  |  | 10 |  |  | 254 |  |  | 27,414 |  |  | 27,668 |  |  | 176 |  |  | 27,844 |
Total loans and leases | $ | 518 |  |  | $ | 125 |  |  | $ | 108 |  |  | $ | 751 |  |  | $ | 138,286 |  |  | $ | 139,037 |  |  | $ | 1,184 |  |  | $ | 140,221 |
(1) Accrued interest that was deducted from interest income when the loan was moved to nonaccrual status was approximately $17 million for the year ended December 31, 2025, and approximately $14 million for the year ended December 31, 2024. (2) Nonaccrual loans for which there was no related ALLL totaled $415 million at December 31, 2025 and $303 million at December 31, 2024. Refer to Note 1—Significant Accounting Policies and Basis of Presentation for discussion of loans individually evaluated to determine the ALLL. 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 (year ended December 31, 2025)
dollars in millions | Current |  | 30–59 Days Past Due |  | 60–89 Days Past Due |  | 90 Days or Greater Past Due |  | Total
Commercial |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 551 |  |  | $ | 15 |  |  | $ | 1 |  |  | $ | 30 |  |  | $ | 597 |
Capital call lines | — |  |  | — |  |  | — |  |  | — |  |  | — |
Owner occupied commercial mortgage | 59 |  |  | 2 |  |  | 3 |  |  | 2 |  |  | 66 |
Investor dependent | 60 |  |  | 17 |  |  | — |  |  | — |  |  | 77 |
Commercial real estate | 246 |  |  | 17 |  |  | — |  |  | 80 |  |  | 343 |
Total commercial | 916 |  |  | 51 |  |  | 4 |  |  | 112 |  |  | 1,083 |
Consumer |  |  |  |  |  |  |  |  |
Residential mortgage | 30 |  |  | 3 |  |  | 6 |  |  | 7 |  |  | 46 |
Revolving mortgage | 6 |  |  | — |  |  | — |  |  | — |  |  | 6 |
Auto | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other consumer | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total consumer | 36 |  |  | 3 |  |  | 6 |  |  | 7 |  |  | 52 |
Total loans and leases | $ | 952 |  |  | $ | 54 |  |  | $ | 10 |  |  | $ | 119 |  |  | $ | 1,135 |
Modified Loans Payment Status (year ended December 31, 2024)
dollars in millions | Current |  | 30–59 Days Past Due |  | 60–89 Days Past Due |  | 90 Days or Greater Past Due |  | Total
Commercial |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 252 |  |  | $ | 1 |  |  | $ | 1 |  |  | $ | 33 |  |  | $ | 287 |
Capital call lines | — |  |  | — |  |  | — |  |  | — |  |  | — |
Owner occupied commercial mortgage | 51 |  |  | 2 |  |  | — |  |  | — |  |  | 53 |
Investor dependent | 87 |  |  | 11 |  |  | — |  |  | — |  |  | 98 |
Commercial real estate | 233 |  |  | 6 |  |  | — |  |  | — |  |  | 239 |
Total commercial | 623 |  |  | 20 |  |  | 1 |  |  | 33 |  |  | 677 |
Consumer |  |  |  |  |  |  |  |  |
Residential mortgage | 8 |  |  | 2 |  |  | 1 |  |  | 3 |  |  | 14 |
Revolving mortgage | 9 |  |  | — |  |  | — |  |  | 1 |  |  | 10 |
Auto | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other consumer | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total consumer | 17 |  |  | 2 |  |  | 1 |  |  | 4 |  |  | 24 |
Total loans and leases | $ | 640 |  |  | $ | 22 |  |  | $ | 2 |  |  | $ | 37 |  |  | $ | 701 |
Modified Loans Payment Status (year ended December 31, 2023)
dollars in millions | Current |  | 30–59 Days Past Due |  | 60–89 Days Past Due |  | 90 Days or Greater Past Due |  | Total
Commercial |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 147 |  |  | $ | 3 |  |  | $ | 1 |  |  | $ | 41 |  |  | $ | 192 |
Capital call lines | — |  |  | — |  |  | — |  |  | — |  |  | — |
Owner occupied commercial mortgage | 17 |  |  | — |  |  | — |  |  | — |  |  | 17 |
Investor dependent | 58 |  |  | 1 |  |  | — |  |  | 4 |  |  | 63 |
Commercial real estate | 309 |  |  | — |  |  | — |  |  | 1 |  |  | 310 |
Total commercial | 531 |  |  | 4 |  |  | 1 |  |  | 46 |  |  | 582 |
Consumer |  |  |  |  |  |  |  |  |
Residential mortgage | 12 |  |  | — |  |  | 1 |  |  | 1 |  |  | 14 |
Revolving mortgage | 3 |  |  | — |  |  | — |  |  | — |  |  | 3 |
Auto | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other consumer | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total consumer | 15 |  |  | — |  |  | 1 |  |  | 1 |  |  | 17 |
Total loans and leases | $ | 546 |  |  | $ | 4 |  |  | $ | 2 |  |  | $ | 47 |  |  | $ | 599 |
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 PCD loans. Commercial Loans - Risk Classifications by Class
December 31, 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 and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 13,484 |  |  | $ | 7,906 |  |  | $ | 3,552 |  |  | $ | 2,963 |  |  | $ | 1,428 |  |  | $ | 1,539 |  |  | $ | 10,143 |  |  | $ | 76 |  |  | $ | 41,091 |
Special Mention | 213 |  |  | 264 |  |  | 113 |  |  | 97 |  |  | 143 |  |  | 60 |  |  | 181 |  |  | — |  |  | 1,071 |
Substandard | 451 |  |  | 296 |  |  | 215 |  |  | 475 |  |  | 347 |  |  | 65 |  |  | 416 |  |  | 5 |  |  | 2,270 |
Doubtful | 18 |  |  | 24 |  |  | 27 |  |  | 35 |  |  | 10 |  |  | — |  |  | 32 |  |  | — |  |  | 146 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 143 |  |  | — |  |  | 143 |
Total commercial and industrial | 14,166 |  |  | 8,490 |  |  | 3,907 |  |  | 3,570 |  |  | 1,928 |  |  | 1,664 |  |  | 10,915 |  |  | 81 |  |  | 44,721 |
Capital call lines |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 31,758 |  |  | 33 |  |  | 31,791 |
Total capital call lines | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 31,758 |  |  | 33 |  |  | 31,791 |
Owner occupied commercial mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 2,816 |  |  | 2,739 |  |  | 2,177 |  |  | 2,430 |  |  | 2,290 |  |  | 3,954 |  |  | 248 |  |  | 28 |  |  | 16,682 |
Special Mention | 26 |  |  | 34 |  |  | 49 |  |  | 78 |  |  | 24 |  |  | 27 |  |  | 2 |  |  | — |  |  | 240 |
Substandard | 41 |  |  | 55 |  |  | 128 |  |  | 179 |  |  | 88 |  |  | 222 |  |  | 8 |  |  | 3 |  |  | 724 |
Doubtful | — |  |  | 4 |  |  | 10 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 14 |
Total owner occupied commercial mortgage | 2,883 |  |  | 2,832 |  |  | 2,364 |  |  | 2,687 |  |  | 2,402 |  |  | 4,203 |  |  | 258 |  |  | 31 |  |  | 17,660 |
Investor dependent |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 981 |  |  | 648 |  |  | 110 |  |  | 67 |  |  | — |  |  | — |  |  | 326 |  |  | — |  |  | 2,132 |
Special Mention | 29 |  |  | 78 |  |  | 1 |  |  | 19 |  |  | — |  |  | — |  |  | 19 |  |  | — |  |  | 146 |
Substandard | 104 |  |  | 164 |  |  | 117 |  |  | 14 |  |  | 4 |  |  | — |  |  | 50 |  |  | — |  |  | 453 |
Doubtful | 13 |  |  | 11 |  |  | 16 |  |  | 5 |  |  | — |  |  | — |  |  | 2 |  |  | — |  |  | 47 |
Total Investor dependent | 1,127 |  |  | 901 |  |  | 244 |  |  | 105 |  |  | 4 |  |  | — |  |  | 397 |  |  | — |  |  | 2,778 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 5,005 |  |  | 4,720 |  |  | 4,512 |  |  | 2,791 |  |  | 1,614 |  |  | 2,631 |  |  | 732 |  |  | — |  |  | 22,005 |
Special Mention | 202 |  |  | 19 |  |  | 139 |  |  | 25 |  |  | 2 |  |  | 31 |  |  | — |  |  | — |  |  | 418 |
Substandard | 409 |  |  | 249 |  |  | 221 |  |  | 145 |  |  | 70 |  |  | 193 |  |  | 1 |  |  | — |  |  | 1,288 |
Doubtful | 29 |  |  | 3 |  |  | — |  |  | 18 |  |  | 1 |  |  | 22 |  |  | — |  |  | — |  |  | 73 |
Total commercial real estate | 5,645 |  |  | 4,991 |  |  | 4,872 |  |  | 2,979 |  |  | 1,687 |  |  | 2,877 |  |  | 733 |  |  | — |  |  | 23,784 |
Total commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 22,286 |  |  | 16,013 |  |  | 10,351 |  |  | 8,251 |  |  | 5,332 |  |  | 8,124 |  |  | 43,207 |  |  | 137 |  |  | 113,701 |
Special Mention | 470 |  |  | 395 |  |  | 302 |  |  | 219 |  |  | 169 |  |  | 118 |  |  | 202 |  |  | — |  |  | 1,875 |
Substandard | 1,005 |  |  | 764 |  |  | 681 |  |  | 813 |  |  | 509 |  |  | 480 |  |  | 475 |  |  | 8 |  |  | 4,735 |
Doubtful | 60 |  |  | 42 |  |  | 53 |  |  | 58 |  |  | 11 |  |  | 22 |  |  | 34 |  |  | — |  |  | 280 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 143 |  |  | — |  |  | 143 |
Total commercial | $ | 23,821 |  |  | $ | 17,214 |  |  | $ | 11,387 |  |  | $ | 9,341 |  |  | $ | 6,021 |  |  | $ | 8,744 |  |  | $ | 44,061 |  |  | $ | 145 |  |  | $ | 120,734 |
Consumer Loans - Delinquency Status by Class
December 31, 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 | $ | 1,601 |  |  | $ | 1,609 |  |  | $ | 2,512 |  |  | $ | 4,783 |  |  | $ | 4,715 |  |  | $ | 6,295 |  |  | $ | 2 |  |  | $ | — |  |  | $ | 21,517 |
30-59 days | 3 |  |  | 4 |  |  | 12 |  |  | 32 |  |  | 32 |  |  | 94 |  |  | 2 |  |  | — |  |  | 179 |
60-89 days | — |  |  | 1 |  |  | 3 |  |  | 9 |  |  | 3 |  |  | 38 |  |  | — |  |  | — |  |  | 54 |
90 days or greater | 1 |  |  | 5 |  |  | 6 |  |  | 10 |  |  | 7 |  |  | 82 |  |  | — |  |  | — |  |  | 111 |
Total residential mortgage | 1,605 |  |  | 1,619 |  |  | 2,533 |  |  | 4,834 |  |  | 4,757 |  |  | 6,509 |  |  | 4 |  |  | — |  |  | 21,861 |
Revolving mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,686 |  |  | 125 |  |  | 2,811 |
30-59 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 20 |  |  | 9 |  |  | 29 |
60-89 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 6 |  |  | 6 |
90 days or greater | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 14 |  |  | 17 |
Total revolving mortgage | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,709 |  |  | 154 |  |  | 2,863 |
Auto |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 504 |  |  | 405 |  |  | 217 |  |  | 157 |  |  | 77 |  |  | 33 |  |  | — |  |  | — |  |  | 1,393 |
30-59 days | 3 |  |  | 4 |  |  | 3 |  |  | 3 |  |  | 2 |  |  | 1 |  |  | — |  |  | — |  |  | 16 |
60-89 days | — |  |  | 1 |  |  | 1 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 4 |
90 days or greater | — |  |  | 1 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3 |
Total consumer auto | 507 |  |  | 411 |  |  | 222 |  |  | 162 |  |  | 80 |  |  | 34 |  |  | — |  |  | — |  |  | 1,416 |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 176 |  |  | 100 |  |  | 65 |  |  | 53 |  |  | 15 |  |  | 6 |  |  | 630 |  |  | — |  |  | 1,045 |
30-59 days | 1 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4 |  |  | — |  |  | 6 |
60-89 days | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | — |  |  | 2 |
90 days or greater | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | — |  |  | 3 |
Total consumer other | 178 |  |  | 101 |  |  | 65 |  |  | 53 |  |  | 15 |  |  | 6 |  |  | 638 |  |  | — |  |  | 1,056 |
Total consumer | $ | 2,290 |  |  | $ | 2,131 |  |  | $ | 2,820 |  |  | $ | 5,049 |  |  | $ | 4,852 |  |  | $ | 6,549 |  |  | $ | 3,351 |  |  | $ | 154 |  |  | $ | 27,196 |
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 and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 13,235 |  |  | $ | 6,531 |  |  | $ | 4,814 |  |  | $ | 2,329 |  |  | $ | 1,242 |  |  | $ | 1,394 |  |  | $ | 9,898 |  |  | $ | 69 |  |  | $ | 39,512 |
Special Mention | 157 |  |  | 253 |  |  | 281 |  |  | 302 |  |  | 33 |  |  | 68 |  |  | 203 |  |  | — |  |  | 1,297 |
Substandard | 177 |  |  | 371 |  |  | 621 |  |  | 353 |  |  | 205 |  |  | 231 |  |  | 461 |  |  | 4 |  |  | 2,423 |
Doubtful | 6 |  |  | 26 |  |  | 44 |  |  | 17 |  |  | 2 |  |  | 1 |  |  | 97 |  |  | — |  |  | 193 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 134 |  |  | — |  |  | 134 |
Total Commercial and industrial | 13,575 |  |  | 7,181 |  |  | 5,760 |  |  | 3,001 |  |  | 1,482 |  |  | 1,694 |  |  | 10,793 |  |  | 73 |  |  | 43,559 |
Capital call lines |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 25,467 |  |  | 34 |  |  | 25,501 |
Total capital call lines | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 25,467 |  |  | 34 |  |  | 25,501 |
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 |
Total owner occupied commercial mortgage | 2,773 |  |  | 2,525 |  |  | 2,953 |  |  | 2,721 |  |  | 2,304 |  |  | 3,294 |  |  | 242 |  |  | 30 |  |  | 16,842 |
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 |
Total investor dependent | 1,300 |  |  | 860 |  |  | 550 |  |  | 73 |  |  | 1 |  |  | — |  |  | 406 |  |  | 3 |  |  | 3,193 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 4,336 |  |  | 5,528 |  |  | 4,337 |  |  | 2,569 |  |  | 1,842 |  |  | 2,258 |  |  | 526 |  |  | 3 |  |  | 21,399 |
Special Mention | — |  |  | 147 |  |  | 331 |  |  | 49 |  |  | 11 |  |  | 111 |  |  | — |  |  | — |  |  | 649 |
Substandard | 13 |  |  | 27 |  |  | 241 |  |  | 58 |  |  | 143 |  |  | 741 |  |  | — |  |  | — |  |  | 1,223 |
Doubtful | — |  |  | 2 |  |  | — |  |  | 1 |  |  | 2 |  |  | 6 |  |  | — |  |  | — |  |  | 11 |
Total commercial real estate | 4,349 |  |  | 5,704 |  |  | 4,909 |  |  | 2,677 |  |  | 1,998 |  |  | 3,116 |  |  | 526 |  |  | 3 |  |  | 23,282 |
Total commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 21,427 |  |  | 15,144 |  |  | 12,250 |  |  | 7,516 |  |  | 5,283 |  |  | 6,640 |  |  | 36,429 |  |  | 138 |  |  | 104,827 |
Special Mention | 196 |  |  | 474 |  |  | 688 |  |  | 409 |  |  | 76 |  |  | 240 |  |  | 238 |  |  | — |  |  | 2,321 |
Substandard | 342 |  |  | 605 |  |  | 1,162 |  |  | 524 |  |  | 422 |  |  | 1,217 |  |  | 532 |  |  | 5 |  |  | 4,809 |
Doubtful | 32 |  |  | 47 |  |  | 72 |  |  | 23 |  |  | 4 |  |  | 7 |  |  | 101 |  |  | — |  |  | 286 |
Ungraded | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 134 |  |  | — |  |  | 134 |
Total commercial | $ | 21,997 |  |  | $ | 16,270 |  |  | $ | 14,172 |  |  | $ | 8,472 |  |  | $ | 5,785 |  |  | $ | 8,104 |  |  | $ | 37,434 |  |  | $ | 143 |  |  | $ | 112,377 |
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 | $ | 2,024 |  |  | $ | 2,824 |  |  | $ | 5,202 |  |  | $ | 5,135 |  |  | $ | 2,910 |  |  | $ | 4,353 |  |  | $ | 4 |  |  | $ | — |  |  | $ | 22,452 |
30-59 days | 2 |  |  | 13 |  |  | 18 |  |  | 23 |  |  | 31 |  |  | 95 |  |  | — |  |  | — |  |  | 182 |
60-89 days | 1 |  |  | 2 |  |  | 4 |  |  | 2 |  |  | 1 |  |  | 28 |  |  | — |  |  | — |  |  | 38 |
90 days or greater | — |  |  | 2 |  |  | 6 |  |  | 6 |  |  | 9 |  |  | 73 |  |  | — |  |  | — |  |  | 96 |
Total residential mortgage | 2,027 |  |  | 2,841 |  |  | 5,230 |  |  | 5,166 |  |  | 2,951 |  |  | 4,549 |  |  | 4 |  |  | — |  |  | 22,768 |
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 |
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 |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 | $ | 2,797 |  |  | $ | 3,348 |  |  | $ | 5,612 |  |  | $ | 5,355 |  |  | $ | 3,026 |  |  | $ | 4,597 |  |  | $ | 2,982 |  |  | $ | 127 |  |  | $ | 27,844 |
Schedule of Troubled Debt Restructuring | Gross charge-off disclosures by origination year and loan class are summarized in the following tables:
Year Ended December 31, 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 and industrial | $ | 33 |  |  | $ | 36 |  |  | $ | 66 |  |  | $ | 57 |  |  | $ | 12 |  |  | $ | 7 |  |  | $ | 240 |  |  | $ | 2 |  |  | $ | 453 |
Capital call lines | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Owner occupied commercial mortgage | — |  |  | 3 |  |  | — |  |  | — |  |  | 3 |  |  | 1 |  |  | — |  |  | — |  |  | 7 |
Investor dependent | 4 |  |  | 31 |  |  | 31 |  |  | 37 |  |  | 7 |  |  | 6 |  |  | 9 |  |  | — |  |  | 125 |
Commercial real estate | 26 |  |  | 41 |  |  | 3 |  |  | 21 |  |  | — |  |  | 32 |  |  | — |  |  | — |  |  | 123 |
Total commercial | 63 |  |  | 111 |  |  | 100 |  |  | 115 |  |  | 22 |  |  | 46 |  |  | 249 |  |  | 2 |  |  | 708 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 7 |  |  | — |  |  | — |  |  | 7 |
Revolving mortgage | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Auto | — |  |  | 2 |  |  | 2 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5 |
Other consumer | — |  |  | 2 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | 17 |  |  | — |  |  | 21 |
Total consumer | — |  |  | 4 |  |  | 3 |  |  | 2 |  |  | — |  |  | 7 |  |  | 17 |  |  | — |  |  | 33 |
Total loans and leases | $ | 63 |  |  | $ | 115 |  |  | $ | 103 |  |  | $ | 117 |  |  | $ | 22 |  |  | $ | 53 |  |  | $ | 266 |  |  | $ | 2 |  |  | $ | 741 |
Year Ended December 31, 2024
| Term Loans by Origination Year |  |  |  | Revolving Converted to Term Loans |  |
dollars in millions | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 & Prior |  | Revolving |  |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 19 |  |  | $ | 54 |  |  | $ | 88 |  |  | $ | 26 |  |  | $ | 8 |  |  | $ | 23 |  |  | $ | 75 |  |  | $ | 1 |  |  | $ | 294 |
Capital call lines | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Owner occupied commercial mortgage | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 12 |  |  | — |  |  | — |  |  | 12 |
Investor dependent | — |  |  | 55 |  |  | 103 |  |  | 28 |  |  | 3 |  |  | 6 |  |  | 9 |  |  | — |  |  | 204 |
Commercial real estate | — |  |  | — |  |  | — |  |  | — |  |  | 36 |  |  | 81 |  |  | — |  |  | — |  |  | 117 |
Total commercial | 19 |  |  | 109 |  |  | 191 |  |  | 54 |  |  | 47 |  |  | 122 |  |  | 84 |  |  | 1 |  |  | 627 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 1 |
Revolving mortgage | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 1 |
Auto | 1 |  |  | 2 |  |  | 2 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 6 |
Other consumer | — |  |  | 2 |  |  | 1 |  |  | 1 |  |  | — |  |  | 1 |  |  | 17 |  |  | — |  |  | 22 |
Total consumer | 1 |  |  | 4 |  |  | 3 |  |  | 2 |  |  | — |  |  | 2 |  |  | 17 |  |  | 1 |  |  | 30 |
Total loans and leases | $ | 20 |  |  | $ | 113 |  |  | $ | 194 |  |  | $ | 56 |  |  | $ | 47 |  |  | $ | 124 |  |  | $ | 101 |  |  | $ | 2 |  |  | $ | 657 |
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 year ended December 31, 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 and industrial | $ | 434 |  |  | $ | 85 |  |  | $ | — |  |  | $ | 19 |  |  | $ | 27 |  |  | $ | 32 |  |  | $ | 597 |  |  | 1.34 | %
Owner occupied commercial mortgage | 15 |  |  | 7 |  |  | — |  |  | 18 |  |  | 26 |  |  | — |  |  | 66 |  |  | 0.38 |
Investor dependent | 13 |  |  | 53 |  |  | — |  |  | — |  |  | 11 |  |  | — |  |  | 77 |  |  | 2.77 |
Commercial real estate | 169 |  |  | 9 |  |  | 16 |  |  | 109 |  |  | 40 |  |  | — |  |  | 343 |  |  | 1.44 |
Total commercial | 631 |  |  | 154 |  |  | 16 |  |  | 146 |  |  | 104 |  |  | 32 |  |  | 1,083 |  |  | 0.90 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 15 |  |  | — |  |  | 1 |  |  | 3 |  |  | 25 |  |  | 2 |  |  | 46 |  |  | 0.21 |
Revolving mortgage | 5 |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 6 |  |  | 0.22 |
Auto | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 0.03 |
Other consumer | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 0.03 |
Total consumer | 20 |  |  | — |  |  | 1 |  |  | 4 |  |  | 25 |  |  | 2 |  |  | 52 |  |  | 0.19 |
Total loans and leases | $ | 651 |  |  | $ | 154 |  |  | $ | 17 |  |  | $ | 150 |  |  | $ | 129 |  |  | $ | 34 |  |  | $ | 1,135 |  |  | 0.77 | %
(1) Term extensions include modifications which extended the maturity date or amortization period, and modifications that deferred lump-sum principal payments to a later date. (2) Consists of $26 million of commercial and industrial loans and $2 million of residential mortgage loans modified with a payment delay, and interest rate reduction, as well as $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 year ended December 31, 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 and industrial | $ | 143 |  |  | $ | 97 |  |  | $ | 30 |  |  | $ | 14 |  |  | $ | 2 |  |  | $ | — |  |  | $ | 286 |  |  | 0.70 | %
Owner occupied commercial mortgage | 37 |  |  | 10 |  |  | 4 |  |  | 1 |  |  | 2 |  |  | — |  |  | 54 |  |  | 0.32 |
Investor dependent | 7 |  |  | 64 |  |  | — |  |  | — |  |  | 27 |  |  | 1 |  |  | 99 |  |  | 3.07 |
Commercial real estate | 195 |  |  | 8 |  |  | — |  |  | 9 |  |  | 26 |  |  | — |  |  | 238 |  |  | 1.04 |
Total commercial | 382 |  |  | 179 |  |  | 34 |  |  | 24 |  |  | 57 |  |  | 1 |  |  | 677 |  |  | 0.60 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 10 |  |  | — |  |  | 2 |  |  | 2 |  |  | — |  |  | — |  |  | 14 |  |  | 0.06 |
Revolving mortgage | 9 |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 10 |  |  | 0.38 |
Auto | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 0.01 |
Other consumer | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 0.03 |
Total consumer | 19 |  |  | — |  |  | 2 |  |  | 3 |  |  | — |  |  | — |  |  | 24 |  |  | 0.09 |
Total loans and leases | $ | 401 |  |  | $ | 179 |  |  | $ | 36 |  |  | $ | 27 |  |  | $ | 57 |  |  | $ | 1 |  |  | $ | 701 |  |  | 0.50 | %
(1) Term extensions include modifications which extended the maturity date or amortization period, and modifications that deferred lump-sum principal payments to a later date. (2) Consists of $1 million of investor dependent loans modified with a term extension, interest rate reduction, and payment delay. Amortized Cost of Loans Modified during the year ended December 31, 2023
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 and industrial | $ | 178 |  |  | $ | 2 |  |  | $ | — |  |  | $ | 5 |  |  | $ | 7 |  |  | $ | — |  |  | $ | 192 |  |  | 0.45 | %
Owner occupied commercial mortgage | 16 |  |  | — |  |  | 2 |  |  | — |  |  | — |  |  | — |  |  | 18 |  |  | 0.11 |
Investor dependent | 11 |  |  | 45 |  |  | — |  |  | — |  |  | — |  |  | 6 |  |  | 62 |  |  | 1.44 |
Commercial real estate | 262 |  |  | 8 |  |  | — |  |  | 40 |  |  | — |  |  | — |  |  | 310 |  |  | 1.54 |
Total commercial | 467 |  |  | 55 |  |  | 2 |  |  | 45 |  |  | 7 |  |  | 6 |  |  | 582 |  |  | 0.55 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 8 |  |  | — |  |  | — |  |  | 3 |  |  | — |  |  | 3 |  |  | 14 |  |  | 0.06 |
Revolving mortgage | 2 |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 3 |  |  | 0.12 |
Auto | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 0.01 |
Other consumer | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 0.02 |
Total consumer | 10 |  |  | — |  |  | — |  |  | 4 |  |  | — |  |  | 3 |  |  | 17 |  |  | 0.06 |
Total loans and leases | $ | 477 |  |  | $ | 55 |  |  | $ | 2 |  |  | $ | 49 |  |  | $ | 7 |  |  | $ | 9 |  |  | $ | 599 |  |  | 0.45 | %
(1) Term extensions include modifications which extended the maturity date or amortization period, and modifications that deferred lump-sum principal payments to a later date. (2) Consists of $6 million of Investor dependent loans modified with a term extension, interest rate reduction, and payment delay as well as $3 million of Residential mortgages modified with a payment delay and interest rate reduction. Financial Effects of Loan Modifications made during the year ended December 31, 2025
| Weighted Average Term Extension (in Months) |  | Weighted Average Interest Rate Reduction |  | Weighted Average Payment Delay (in Months) |  |
Commercial |  |  |  |  |  |  |
Commercial and industrial | 13 |  |  | 0.72 | % |  | 11 |  |  |
Owner occupied commercial mortgage | 10 |  |  | 1.88 |  |  | 3 |  |  |
Investor dependent | 10 |  |  | — |  |  | 7 |  |  |
Commercial real estate | 16 |  |  | 0.56 |  |  | 10 |  |  |
Total commercial | 14 |  |  | 0.72 |  |  | 9 |  |  |
Consumer |  |  |  |  |  |  |
Residential mortgage | 16 |  |  | 2.75 |  |  | 6 |  |  |
Revolving mortgage | 24 |  |  | 4.20 |  |  | 5 |  |  |
Auto | 20 |  |  | 0.31 |  |  | — |  |  |
Other consumer | 60 |  |  | 9.72 |  |  | — |  |  |
Total consumer | 17 |  |  | 3.26 |  |  | 6 |  |  |
Total loans and leases | 14 |  |  | 0.81 | % |  | 9 |  |  |
Financial Effects of Loan Modifications made during the year ended December 31, 2024
| Weighted Average Term Extension (in Months) |  | Weighted Average Interest Rate Reduction |  | Weighted Average Payment Delay (in Months) |  |
Commercial |  |  |  |  |  |  |
Commercial and industrial | 19 |  |  | 0.79 | % |  | 11 |  |  |
Owner occupied commercial mortgage | 30 |  |  | 1.42 |  |  | 7 |  |  |
Investor dependent | 11 |  |  | 2.75 |  |  | 8 |  |  |
Commercial real estate | 20 |  |  | 0.78 |  |  | 39 |  |  |
Total commercial | 20 |  |  | 0.86 |  |  | 13 |  |  |
Consumer |  |  |  |  |  |  |
Residential mortgage | 71 |  |  | 1.89 |  |  | 11 |  |  |
Revolving mortgage | 37 |  |  | 4.27 |  |  | — |  |  |
Auto | 31 |  |  | 0.53 |  |  | — |  |  |
Other consumer | 60 |  |  | 9.66 |  |  | — |  |  |
Total consumer | 56 |  |  | 2.73 |  |  | 11 |  |  |
Total loans and leases | 21 |  |  | 1.00 | % |  | 13 |  |  |
Financial Effects of Loan Modifications made during the year ended December 31, 2023
| Weighted Average Term Extension (in Months) |  | Weighted Average Interest Rate Reduction |  | Weighted Average Payment Delay (in Months) |  |
Commercial |  |  |  |  |  |  |
Commercial and industrial | 13 |  |  | 2.04 | % |  | 6 |  |  |
Owner occupied commercial mortgage | 17 |  |  | 3.52 |  |  | — |  |  |
Investor dependent | 9 |  |  | 1.00 |  |  | 5 |  |  |
Commercial real estate | 12 |  |  | 3.00 |  |  | 7 |  |  |
Total commercial | 12 |  |  | 2.71 |  |  | 6 |  |  |
Consumer |  |  |  |  |  |  |
Residential mortgage | 79 |  |  | 4.13 |  |  | 6 |  |  |
Revolving mortgage | 59 |  |  | 2.81 |  |  | — |  |  |
Auto | 27 |  |  | 0.69 |  |  | — |  |  |
Other consumer | 53 |  |  | 9.42 |  |  | — |  |  |
Total consumer | 74 |  |  | 4.08 |  |  | 6 |  |  |
Total loans and leases | 14 |  |  | 2.89 | % |  | 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.
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 FRB and FDIC. Loans Pledged
dollars in millions | December 31, 2025 |  | December 31, 2024
FHLB of Atlanta |  |  |
Lendable collateral value of pledged non-PCD loans | $ | 19,225 |  |  | $ | 17,873 |
Less: advances | — |  |  | — |
Less: letters of credit | 1,450 |  |  | 1,450 |
Available borrowing capacity | $ | 17,775 |  |  | $ | 16,423 |
Pledged non-PCD loans | $ | 31,713 |  |  | $ | 30,421 |
FRB |  |  |
Lendable collateral value of pledged non-PCD loans | $ | 12,962 |  |  | $ | 5,475 |
Less: advances | — |  |  | — |
Available borrowing capacity | $ | 12,962 |  |  | $ | 5,475 |
Pledged non-PCD loans | $ | 13,640 |  |  | $ | 6,309 |
FDIC |  |  |
Lendable collateral value of pledged loans | $ | 35,705 |  |  | $ | 41,282 |
Less: advances | — |  |  | — |
Less: principal amount of the Purchase Money Note | 33,500 |  |  | 35,991 |
Available borrowing capacity (1) | $ | — |  |  | $ | 5,291 |
Pledged loans (1) | $ | 34,465 |  |  | $ | 41,040 |
(1) As discussed in Note 2—Business Combinations, the draw period for the Advance Facility Agreement ended on March 27, 2025 so there was no available borrowing capacity at December 31, 2025. Loans remain pledged as collateral for the Purchase Money Note.

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