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Credit Quality and the Allowance for Loan and Lease Losses (Tables) | 6 Months Ended
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Jun. 30, 2026
Receivables [Abstract] |
Summary of Transactions in the ALLL | The following tables summarize transactions in the ALLL by portfolio segment:
For the three months ended June 30, 2026 ($ in millions) | Commercial | Residential Mortgage | Consumer | Total
Balance, beginning of period | $ | 1,820 |  | 108 |  | 994 |  | 2,922 |
Losses charged-off(a) | (73) |  | (1) |  | (107) |  | (181) |
Recoveries of losses previously charged-off(a) | 9 |  | 1 |  | 36 |  | 46 |
Provision for (benefit from) loan and lease losses | 32 |  | (5) |  | 104 |  | 131 |
Allowance on PCD loans and leases at acquisition | — |  | (1) |  | — |  | (1) |
Allowance on PSLs at acquisition | — |  | 1 |  | — |  | 1 |
Balance, end of period | $ | 1,788 |  | 103 |  | 1,027 |  | 2,918 |
(a)The Bancorp recorded $3 in both losses charged-off and recoveries of losses previously charged-off related to customer defaults on point-of-sale consumer loans for which the Bancorp obtained recoveries under third-party credit enhancements.
For the three months ended June 30, 2025 ($ in millions) | Commercial | Residential Mortgage | Consumer | Total
Balance, beginning of period | $ | 1,241 |  | 139 |  | 1,004 |  | 2,384 |
Losses charged-off(a) | (90) |  | — |  | (104) |  | (194) |
Recoveries of losses previously charged-off(a) | 19 |  | 1 |  | 35 |  | 55 |
Provision for (benefit from) loan and lease losses | 123 |  | (6) |  | 50 |  | 167 |
Balance, end of period | $ | 1,293 |  | 134 |  | 985 |  | 2,412 |
(a)The Bancorp recorded $5 in both losses charged-off and recoveries of losses previously charged-off related to customer defaults on point-of-sale consumer loans for which the Bancorp obtained recoveries under third-party credit enhancements.
For the six months ended June 30, 2026 ($ in millions) | Commercial | Residential Mortgage | Consumer | Total
Balance, beginning of period | $ | 1,186 |  | 109 |  | 958 |  | 2,253 |
Losses charged off(a)(b) | (151) |  | (1) |  | (216) |  | (368) |
Recoveries of losses previously charged off(a)(b) | 18 |  | 1 |  | 70 |  | 89 |
Provision for (benefit from) loan and lease losses | 92 |  | (12) |  | 203 |  | 283 |
Allowance on PCD loans and leases at acquisition | 177 |  | 1 |  | 1 |  | 179 |
Allowance on PSLs at acquisition | 466 |  | 5 |  | 11 |  | 482 |
Balance, end of period | $ | 1,788 |  | 103 |  | 1,027 |  | 2,918 |
(a)The Bancorp recorded $7 in both losses charged-off and recoveries of losses previously charged-off related to customer defaults on point-of-sale consumer loans for which the Bancorp obtained recoveries under third-party credit enhancements. (b)Excludes net charge-offs of $111 million which were taken at the time of the Comerica acquisition.
For the six months ended June 30, 2025 ($ in millions) | Commercial | Residential Mortgage | Consumer | Total
Balance, beginning of period | $ | 1,154 |  | 146 |  | 1,052 |  | 2,352 |
Losses charged off(a) | (156) |  | (1) |  | (209) |  | (366) |
Recoveries of losses previously charged off(a) | 20 |  | 2 |  | 68 |  | 90 |
Provision for (benefit from) loan and lease losses | 275 |  | (13) |  | 74 |  | 336 |
Balance, end of period | $ | 1,293 |  | 134 |  | 985 |  | 2,412 |
(a)The Bancorp recorded $10 in both losses charged-off and recoveries of losses previously charged-off related to customer defaults on point-of-sale consumer loans for which the Bancorp obtained recoveries under third-party credit enhancements.
Summary of the ALLL and Related Loans and Leases Classified by Portfolio Segment | The following tables provide a summary of the ALLL and related loans and leases, classified by portfolio segment:
As of June 30, 2026 ($ in millions) | Commercial | Residential Mortgage | Consumer | Total
ALLL:(a) |  |  |  |
Individually evaluated | $ | 150 |  | — |  | 13 |  | 163 |
Collectively evaluated | 1,638 |  | 103 |  | 1,014 |  | 2,755 |
Total ALLL | $ | 1,788 |  | 103 |  | 1,027 |  | 2,918 |
Portfolio loans and leases:(b) |  |  |  |
Individually evaluated | $ | 522 |  | 153 |  | 106 |  | 781 |
Collectively evaluated | 124,358 |  | 19,458 |  | 33,829 |  | 177,645 |
Total portfolio loans and leases | $ | 124,880 |  | 19,611 |  | 33,935 |  | 178,426 |
(a)Includes $2 related to commercial leveraged leases at June 30, 2026. (b)Excludes $102 of residential mortgage loans measured at fair value and includes $239 of commercial leveraged leases, net of unearned income, at June 30, 2026.
As of December 31, 2025 ($ in millions) | Commercial | Residential Mortgage | Consumer | Total
ALLL:(a) |  |  |  |
Individually evaluated | $ | 178 |  | — |  | 15 |  | 193 |
Collectively evaluated | 1,008 |  | 109 |  | 943 |  | 2,060 |
Total ALLL | $ | 1,186 |  | 109 |  | 958 |  | 2,253 |
Portfolio loans and leases:(b) |  |  |  |
Individually evaluated | $ | 367 |  | 143 |  | 105 |  | 615 |
Collectively evaluated | 73,195 |  | 17,403 |  | 31,332 |  | 121,930 |
Total portfolio loans and leases | $ | 73,562 |  | 17,546 |  | 31,437 |  | 122,545 |
(a)Includes $2 related to commercial leveraged leases at December 31, 2025. (b)Excludes $106 of residential mortgage loans measured at fair value and includes $243 of commercial leveraged leases, net of unearned income, at December 31, 2025.
Loan and Leases Balances by Credit Quality Indicator | The following tables present the amortized cost basis of the Bancorp’s commercial portfolio segment, by class and vintage, disaggregated by credit risk rating:
As of June 30, 2026 ($ in millions) | Term Loans and Leases by Origination Year | Revolving and Other Loans |  |
2026 | 2025 | 2024 | 2023 | 2022 | Prior | Total
Commercial and industrial loans: |  |  |  |  |  |  |  |  |
Pass | $ | 4,100 |  | 6,120 |  | 3,777 |  | 1,611 |  | 2,167 |  | 1,940 |  | 61,322 |  |  | 81,037 |
Special mention | 85 |  | 149 |  | 88 |  | 53 |  | 107 |  | 27 |  | 1,401 |  |  | 1,910 |
Substandard | 29 |  | 98 |  | 252 |  | 155 |  | 94 |  | 155 |  | 1,899 |  |  | 2,682 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | 107 |  |  | 107 |
Total commercial and industrial loans | $ | 4,214 |  | 6,367 |  | 4,117 |  | 1,819 |  | 2,368 |  | 2,122 |  | 64,729 |  |  | 85,736 |
Commercial mortgage owner-occupied loans: |  |  |  |  |  |  |  |  |
Pass | $ | 1,193 |  | 1,682 |  | 1,052 |  | 954 |  | 1,298 |  | 1,852 |  | 3,365 |  |  | 11,396 |
Special mention | 14 |  | 26 |  | 16 |  | 29 |  | 40 |  | 55 |  | 96 |  |  | 276 |
Substandard | 26 |  | 159 |  | 51 |  | 41 |  | 69 |  | 75 |  | 128 |  |  | 549 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total commercial mortgage owner-occupied loans | $ | 1,233 |  | 1,867 |  | 1,119 |  | 1,024 |  | 1,407 |  | 1,982 |  | 3,589 |  |  | 12,221 |
Commercial mortgage nonowner-occupied loans: |  |  |  |  |  |  |  |  |
Pass | $ | 622 |  | 1,464 |  | 891 |  | 806 |  | 1,047 |  | 1,416 |  | 7,373 |  |  | 13,619 |
Special mention | 4 |  | — |  | 26 |  | 1 |  | 69 |  | 23 |  | 493 |  |  | 616 |
Substandard | 25 |  | 19 |  | 52 |  | 12 |  | 51 |  | 24 |  | 557 |  |  | 740 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total commercial mortgage nonowner-occupied loans | $ | 651 |  | 1,483 |  | 969 |  | 819 |  | 1,167 |  | 1,463 |  | 8,423 |  |  | 14,975 |
Commercial construction loans: |  |  |  |  |  |  |  |  |
Pass | $ | 14 |  | 60 |  | — |  | — |  | — |  | 10 |  | 7,412 |  |  | 7,496 |
Special mention | — |  | — |  | — |  | — |  | — |  | — |  | 532 |  |  | 532 |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | 431 |  |  | 431 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total commercial construction loans | $ | 14 |  | 60 |  | — |  | — |  | — |  | 10 |  | 8,375 |  |  | 8,459 |
Commercial leases: |  |  |  |  |  |  |  |  |
Pass | $ | 621 |  | 1,077 |  | 766 |  | 240 |  | 159 |  | 554 |  | — |  |  | 3,417 |
Special mention | — |  | 7 |  | 13 |  | — |  | — |  | — |  | — |  |  | 20 |
Substandard | 3 |  | 6 |  | 16 |  | 17 |  | 4 |  | 6 |  | — |  |  | 52 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total commercial leases | $ | 624 |  | 1,090 |  | 795 |  | 257 |  | 163 |  | 560 |  | — |  |  | 3,489 |
Total commercial loans and leases: |  |  |  |  |  |  |  |  |
Pass | $ | 6,550 |  | 10,403 |  | 6,486 |  | 3,611 |  | 4,671 |  | 5,772 |  | 79,472 |  |  | 116,965 |
Special mention | 103 |  | 182 |  | 143 |  | 83 |  | 216 |  | 105 |  | 2,522 |  |  | 3,354 |
Substandard | 83 |  | 282 |  | 371 |  | 225 |  | 218 |  | 260 |  | 3,015 |  |  | 4,454 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | 107 |  |  | 107 |
Total commercial loans and leases | $ | 6,736 |  | 10,867 |  | 7,000 |  | 3,919 |  | 5,105 |  | 6,137 |  | 85,116 |  |  | 124,880 |
As of December 31, 2025 ($ in millions) | Term Loans and Leases by Origination Year | Revolving and Other Loans |  |
2025 | 2024 | 2023 | 2022 | 2021 | Prior | Total
Commercial and industrial loans: |  |  |  |  |  |  |  |  |
Pass | $ | 3,359 |  | 2,040 |  | 861 |  | 1,829 |  | 832 |  | 553 |  | 40,015 |  |  | 49,489 |
Special mention | 23 |  | 51 |  | 10 |  | 7 |  | 13 |  | 10 |  | 839 |  |  | 953 |
Substandard | 57 |  | 89 |  | 92 |  | 138 |  | 42 |  | 28 |  | 1,743 |  |  | 2,189 |
Doubtful | — |  | 1 |  | — |  | — |  | 6 |  | — |  | 111 |  |  | 118 |
Total commercial and industrial loans | $ | 3,439 |  | 2,181 |  | 963 |  | 1,974 |  | 893 |  | 591 |  | 42,708 |  |  | 52,749 |
Commercial mortgage owner-occupied loans: |  |  |  |  |  |  |  |  |
Pass | $ | 1,136 |  | 615 |  | 572 |  | 648 |  | 537 |  | 406 |  | 1,712 |  |  | 5,626 |
Special mention | 24 |  | 4 |  | 28 |  | 16 |  | 14 |  | 3 |  | 72 |  |  | 161 |
Substandard | 69 |  | 44 |  | 38 |  | 33 |  | 27 |  | 12 |  | 132 |  |  | 355 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total commercial mortgage owner-occupied loans | $ | 1,229 |  | 663 |  | 638 |  | 697 |  | 578 |  | 421 |  | 1,916 |  |  | 6,142 |
Commercial mortgage nonowner-occupied loans: |  |  |  |  |  |  |  |  |
Pass | $ | 824 |  | 542 |  | 486 |  | 638 |  | 109 |  | 419 |  | 2,628 |  |  | 5,646 |
Special mention | 1 |  | — |  | — |  | 19 |  | — |  | — |  | 111 |  |  | 131 |
Substandard | 20 |  | 63 |  | 16 |  | 42 |  | — |  | 24 |  | 144 |  |  | 309 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total commercial mortgage nonowner-occupied loans | $ | 845 |  | 605 |  | 502 |  | 699 |  | 109 |  | 443 |  | 2,883 |  |  | 6,086 |
Commercial construction loans: |  |  |  |  |  |  |  |  |
Pass | $ | 44 |  | — |  | — |  | — |  | 27 |  | — |  | 4,404 |  |  | 4,475 |
Special mention | — |  | — |  | — |  | — |  | — |  | — |  | 548 |  |  | 548 |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | 293 |  |  | 293 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total commercial construction loans | $ | 44 |  | — |  | — |  | — |  | 27 |  | — |  | 5,245 |  |  | 5,316 |
Commercial leases: |  |  |  |  |  |  |  |  |
Pass | $ | 1,255 |  | 858 |  | 266 |  | 198 |  | 173 |  | 472 |  | — |  |  | 3,222 |
Special mention | 2 |  | 6 |  | — |  | — |  | 1 |  | — |  | — |  |  | 9 |
Substandard | 1 |  | 15 |  | 11 |  | 3 |  | 5 |  | 3 |  | — |  |  | 38 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total commercial leases | $ | 1,258 |  | 879 |  | 277 |  | 201 |  | 179 |  | 475 |  | — |  |  | 3,269 |
Total commercial loans and leases: |  |  |  |  |  |  |  |  |
Pass | $ | 6,618 |  | 4,055 |  | 2,185 |  | 3,313 |  | 1,678 |  | 1,850 |  | 48,759 |  |  | 68,458 |
Special mention | 50 |  | 61 |  | 38 |  | 42 |  | 28 |  | 13 |  | 1,570 |  |  | 1,802 |
Substandard | 147 |  | 211 |  | 157 |  | 216 |  | 74 |  | 67 |  | 2,312 |  |  | 3,184 |
Doubtful | — |  | 1 |  | — |  | — |  | 6 |  | — |  | 111 |  |  | 118 |
Total commercial loans and leases | $ | 6,815 |  | 4,328 |  | 2,380 |  | 3,571 |  | 1,786 |  | 1,930 |  | 52,752 |  |  | 73,562 |
The following tables summarize the Bancorp’s gross charge-offs within the commercial portfolio segment, by class and vintage:
For the six months ended June 30, 2026 ($ in millions) | Term Loans and Leases by Origination Year | Revolving and Other Loans |
2026 | 2025 | 2024 | 2023 | 2022 | Prior | Total
Commercial loans and leases: |  |  |  |  |  |  |  |
Commercial and industrial loans | $ | 2 |  | 2 |  | 2 |  | 1 |  | — |  | 6 |  | 138 |  | 151 |
Commercial mortgage owner-occupied loans | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Commercial leases | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total commercial loans and leases | $ | 2 |  | 2 |  | 2 |  | 1 |  | — |  | 6 |  | 138 |  | 151 |
For the six months ended June 30, 2025 ($ in millions) | Term Loans and Leases by Origination Year | Revolving and Other Loans |  |
2025 | 2024 | 2023 | 2022 | 2021 | Prior | Total
Commercial loans and leases: |  |  |  |  |  |  |  |  |
Commercial and industrial loans | $ | — |  | 8 |  | 22 |  | 5 |  | 3 |  | 1 |  | 98 |  |  | 137 |
Commercial mortgage owner-occupied loans | — |  | — |  | — |  | — |  | 3 |  | 11 |  | 1 |  |  | 15 |
Commercial leases | — |  | — |  | 1 |  | 1 |  | — |  | 2 |  | — |  |  | 4 |
Total commercial loans and leases | $ | — |  | 8 |  | 23 |  | 6 |  | 6 |  | 14 |  | 99 |  |  | 156 |
The following tables present the amortized cost basis of the Bancorp’s residential mortgage and consumer portfolio segments, by class and vintage, disaggregated by both delinquency and performing versus nonperforming status:
As of June 30, 2026 ($ in millions) | Term Loans by Origination Year | Revolving Loans | Revolving Loans Converted to Term Loans |
2026 | 2025 | 2024 | 2023 | 2022 | Prior | Total
Residential mortgage loans: |  |  |  |  |  |  |  |  |
Performing: |  |  |  |  |  |  |  |  |
Current(a) | $ | 1,159 |  | 2,167 |  | 1,998 |  | 1,042 |  | 2,758 |  | 10,259 |  | — |  | — |  | 19,383 |
30-89 days past due | 1 |  | 2 |  | 10 |  | 2 |  | 5 |  | 27 |  | — |  | — |  | 47 |
90 days or more past due | — |  | 1 |  | 3 |  | — |  | 1 |  | 5 |  | — |  | — |  | 10 |
Nonperforming | — |  | 1 |  | 8 |  | 7 |  | 16 |  | 139 |  | — |  | — |  | 171 |
Total residential mortgage loans(b) | $ | 1,160 |  | 2,171 |  | 2,019 |  | 1,051 |  | 2,780 |  | 10,430 |  | — |  | — |  | 19,611 |
Home equity: |  |  |  |  |  |  |  |  |
Performing: |  |  |  |  |  |  |  |  |
Current | $ | 96 |  | 176 |  | 120 |  | 42 |  | 25 |  | 61 |  | 6,073 |  | 173 |  | 6,766 |
30-89 days past due | — |  | — |  | — |  | — |  | — |  | 1 |  | 29 |  | 2 |  | 32 |
90 days or more past due | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Nonperforming | — |  | — |  | — |  | 1 |  | — |  | 9 |  | 111 |  | 10 |  | 131 |
Total home equity | $ | 96 |  | 176 |  | 120 |  | 43 |  | 25 |  | 71 |  | 6,213 |  | 185 |  | 6,929 |
Indirect secured consumer loans: |  |  |  |  |  |  |  |  |
Performing: |  |  |  |  |  |  |  |  |
Current | $ | 4,023 |  | 6,347 |  | 3,474 |  | 1,503 |  | 1,586 |  | 1,083 |  | — |  | — |  | 18,016 |
30-89 days past due | 5 |  | 23 |  | 23 |  | 20 |  | 23 |  | 14 |  | — |  | — |  | 108 |
90 days or more past due | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Nonperforming | 1 |  | 7 |  | 11 |  | 13 |  | 17 |  | 13 |  | — |  | — |  | 62 |
Total indirect secured consumer loans | $ | 4,029 |  | 6,377 |  | 3,508 |  | 1,536 |  | 1,626 |  | 1,110 |  | — |  | — |  | 18,186 |
Credit card: |  |  |  |  |  |  |  |  |
Performing: |  |  |  |  |  |  |  |  |
Current | $ | — |  | — |  | — |  | — |  | — |  | — |  | 1,623 |  | — |  | 1,623 |
30-89 days past due | — |  | — |  | — |  | — |  | — |  | — |  | 15 |  | — |  | 15 |
90 days or more past due | — |  | — |  | — |  | — |  | — |  | — |  | 16 |  | — |  | 16 |
Nonperforming | — |  | — |  | — |  | — |  | — |  | — |  | 29 |  | — |  | 29 |
Total credit card | $ | — |  | — |  | — |  | — |  | — |  | — |  | 1,683 |  | — |  | 1,683 |
Solar energy installation loans: |  |  |  |  |  |  |  |  |
Performing: |  |  |  |  |  |  |  |  |
Current | $ | 67 |  | 700 |  | 666 |  | 1,824 |  | 983 |  | 27 |  | — |  | — |  | 4,267 |
30-89 days past due | — |  | 2 |  | 5 |  | 11 |  | 6 |  | — |  | — |  | — |  | 24 |
90 days or more past due | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Nonperforming | 3 |  | 4 |  | 2 |  | 8 |  | 6 |  | — |  | — |  | — |  | 23 |
Total solar energy installation loans | $ | 70 |  | 706 |  | 673 |  | 1,843 |  | 995 |  | 27 |  | — |  | — |  | 4,314 |
Other consumer loans: |  |  |  |  |  |  |  |  |
Performing: |  |  |  |  |  |  |  |  |
Current | $ | 295 |  | 278 |  | 152 |  | 252 |  | 374 |  | 418 |  | 1,017 |  | 18 |  | 2,804 |
30-89 days past due | — |  | 2 |  | 1 |  | 2 |  | 4 |  | 3 |  | 1 |  | — |  | 13 |
90 days or more past due | — |  | — |  | — |  | — |  | — |  | 1 |  | — |  | — |  | 1 |
Nonperforming | — |  | 1 |  | — |  | 1 |  | 2 |  | 1 |  | — |  | — |  | 5 |
Total other consumer loans | $ | 295 |  | 281 |  | 153 |  | 255 |  | 380 |  | 423 |  | 1,018 |  | 18 |  | 2,823 |
Total residential mortgage and consumer loans: |  |  |  |  |  |  |  |  |
Performing: |  |  |  |  |  |  |  |  |
Current | $ | 5,640 |  | 9,668 |  | 6,410 |  | 4,663 |  | 5,726 |  | 11,848 |  | 8,713 |  | 191 |  | 52,859 |
30-89 days past due | 6 |  | 29 |  | 39 |  | 35 |  | 38 |  | 45 |  | 45 |  | 2 |  | 239 |
90 days or more past due | — |  | 1 |  | 3 |  | — |  | 1 |  | 6 |  | 16 |  | — |  | 27 |
Nonperforming | 4 |  | 13 |  | 21 |  | 30 |  | 41 |  | 162 |  | 140 |  | 10 |  | 421 |
Total residential mortgage and consumer loans(b) | $ | 5,650 |  | 9,711 |  | 6,473 |  | 4,728 |  | 5,806 |  | 12,061 |  | 8,914 |  | 203 |  | 53,546 |
(a)Information includes advances made pursuant to servicing agreements for GNMA mortgage pools whose repayments are insured by the FHA or guaranteed by the VA. As of June 30, 2026, $70 of these loans were 30-89 days past due and $266 were 90 days or more past due. The Bancorp recognized losses of an immaterial amount during both the three and six months ended June 30, 2026 due to claim denials and curtailments associated with these insured or guaranteed loans. (b)Excludes $102 of residential mortgage loans measured at fair value at June 30, 2026, including $1 of 30-89 days past due loans, $1 of 90 days or more past due loans and $5 of nonperforming loans.
As of December 31, 2025 ($ in millions) | Term Loans by Origination Year | Revolving Loans | Revolving Loans Converted to Term Loans |
2025 | 2024 | 2023 | 2022 | 2021 | Prior | Total
Residential mortgage loans: |  |  |  |  |  |  |  |  |
Performing: |  |  |  |  |  |  |  |  |
Current(a) | $ | 1,871 |  | 2,047 |  | 897 |  | 2,649 |  | 4,095 |  | 5,800 |  | — |  | — |  | 17,359 |
30-89 days past due | — |  | 4 |  | 2 |  | 3 |  | 8 |  | 15 |  | — |  | — |  | 32 |
90 days or more past due | — |  | 2 |  | 1 |  | — |  | 3 |  | 4 |  | — |  | — |  | 10 |
Nonperforming | — |  | 3 |  | 7 |  | 14 |  | 17 |  | 104 |  | — |  | — |  | 145 |
Total residential mortgage loans(b) | $ | 1,871 |  | 2,056 |  | 907 |  | 2,666 |  | 4,123 |  | 5,923 |  | — |  | — |  | 17,546 |
Home equity: |  |  |  |  |  |  |  |  |
Performing: |  |  |  |  |  |  |  |  |
Current | $ | 194 |  | 137 |  | 50 |  | 27 |  | 1 |  | 76 |  | 4,182 |  | 83 |  | 4,750 |
30-89 days past due | — |  | — |  | — |  | — |  | — |  | 1 |  | 23 |  | 1 |  | 25 |
90 days or more past due | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Nonperforming | — |  | — |  | 1 |  | — |  | — |  | 5 |  | 61 |  | 4 |  | 71 |
Total home equity | $ | 194 |  | 137 |  | 51 |  | 27 |  | 1 |  | 82 |  | 4,266 |  | 88 |  | 4,846 |
Indirect secured consumer loans: |  |  |  |  |  |  |  |  |
Performing: |  |  |  |  |  |  |  |  |
Current | $ | 7,854 |  | 4,387 |  | 1,881 |  | 2,004 |  | 1,213 |  | 435 |  | — |  | — |  | 17,774 |
30-89 days past due | 23 |  | 26 |  | 24 |  | 31 |  | 17 |  | 8 |  | — |  | — |  | 129 |
90 days or more past due | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Nonperforming | 4 |  | 10 |  | 12 |  | 19 |  | 11 |  | 5 |  | — |  | — |  | 61 |
Total indirect secured consumer loans | $ | 7,881 |  | 4,423 |  | 1,917 |  | 2,054 |  | 1,241 |  | 448 |  | — |  | — |  | 17,964 |
Credit card: |  |  |  |  |  |  |  |  |
Performing: |  |  |  |  |  |  |  |  |
Current | $ | — |  | — |  | — |  | — |  | — |  | — |  | 1,683 |  | — |  | 1,683 |
30-89 days past due | — |  | — |  | — |  | — |  | — |  | — |  | 18 |  | — |  | 18 |
90 days or more past due | — |  | — |  | — |  | — |  | — |  | — |  | 17 |  | — |  | 17 |
Nonperforming | — |  | — |  | — |  | — |  | — |  | — |  | 29 |  | — |  | 29 |
Total credit card | $ | — |  | — |  | — |  | — |  | — |  | — |  | 1,747 |  | — |  | 1,747 |
Solar energy installation loans: |  |  |  |  |  |  |  |  |
Performing: |  |  |  |  |  |  |  |  |
Current | $ | 814 |  | 724 |  | 1,914 |  | 1,030 |  | 1 |  | 29 |  | — |  | — |  | 4,512 |
30-89 days past due | 1 |  | 4 |  | 14 |  | 7 |  | — |  | — |  | — |  | — |  | 26 |
90 days or more past due | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Nonperforming | 1 |  | 2 |  | 11 |  | 7 |  | — |  | 1 |  | — |  | — |  | 22 |
Total solar energy installation loans | $ | 816 |  | 730 |  | 1,939 |  | 1,044 |  | 1 |  | 30 |  | — |  | — |  | 4,560 |
Other consumer loans: |  |  |  |  |  |  |  |  |
Performing: |  |  |  |  |  |  |  |  |
Current | $ | 248 |  | 104 |  | 245 |  | 377 |  | 139 |  | 204 |  | 957 |  | 22 |  | 2,296 |
30-89 days past due | 1 |  | 1 |  | 3 |  | 5 |  | 2 |  | 2 |  | 1 |  | 1 |  | 16 |
90 days or more past due | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Nonperforming | — |  | — |  | 2 |  | 3 |  | — |  | — |  | 2 |  | 1 |  | 8 |
Total other consumer loans | $ | 249 |  | 105 |  | 250 |  | 385 |  | 141 |  | 206 |  | 960 |  | 24 |  | 2,320 |
Total residential mortgage and consumer loans: |  |  |  |  |  |  |  |  |
Performing: |  |  |  |  |  |  |  |  |
Current | $ | 10,981 |  | 7,399 |  | 4,987 |  | 6,087 |  | 5,449 |  | 6,544 |  | 6,822 |  | 105 |  | 48,374 |
30-89 days past due | 25 |  | 35 |  | 43 |  | 46 |  | 27 |  | 26 |  | 42 |  | 2 |  | 246 |
90 days or more past due | — |  | 2 |  | 1 |  | — |  | 3 |  | 4 |  | 17 |  | — |  | 27 |
Nonperforming | 5 |  | 15 |  | 33 |  | 43 |  | 28 |  | 115 |  | 92 |  | 5 |  | 336 |
Total residential mortgage and consumer loans(b) | $ | 11,011 |  | 7,451 |  | 5,064 |  | 6,176 |  | 5,507 |  | 6,689 |  | 6,973 |  | 112 |  | 48,983 |
(a)Information includes advances made pursuant to servicing agreements for GNMA mortgage pools whose repayments are insured by the FHA or guaranteed by the VA. As of December 31, 2025, $83 of these loans were 30-89 days past due and $195 were 90 days or more past due. The Bancorp recognized an immaterial amount and $1 of losses during the three and six months ended June 30, 2025, respectively, due to claim denials and curtailments associated with these insured or guaranteed loans. (b)Excludes $106 of residential mortgage loans measured at fair value at December 31, 2025, including $2 of 30-89 days past due loans and $4 of nonperforming loans. The following tables summarize the Bancorp’s gross charge-offs within the residential mortgage and consumer portfolio segments, by class and vintage:
For the six months ended June 30, 2026 ($ in millions) | Term Loans by Origination Year | Revolving Loans | Revolving Loans Converted to Term Loans |
2026 | 2025 | 2024 | 2023 | 2022 | Prior | Total
Residential mortgage loans | $ | — |  | — |  | — |  | — |  | — |  | 1 |  | — |  | — |  | 1 |
Consumer loans: |  |  |  |  |  |  |  |  |
Home equity | — |  | — |  | — |  | — |  | — |  | — |  | 3 |  | — |  | 3 |
Indirect secured consumer loans | — |  | 16 |  | 16 |  | 16 |  | 20 |  | 8 |  | — |  | — |  | 76 |
Credit card | — |  | — |  | — |  | — |  | — |  | — |  | 39 |  | — |  | 39 |
Solar energy installation loans | — |  | 5 |  | 9 |  | 26 |  | 15 |  | — |  | — |  | — |  | 55 |
Other consumer loans | — |  | 3 |  | 2 |  | 5 |  | 9 |  | 6 |  | 17 |  | 1 |  | 43 |
Total residential mortgage and consumer loans | $ | — |  | 24 |  | 27 |  | 47 |  | 44 |  | 15 |  | 59 |  | 1 |  | 217 |
For the six months ended June 30, 2025 ($ in millions) | Term Loans by Origination Year | Revolving Loans | Revolving Loans Converted to Term Loans |
2025 | 2024 | 2023 | 2022 | 2021 | Prior | Total
Residential mortgage loans | $ | — |  | — |  | — |  | — |  | — |  | 1 |  | — |  | — |  | 1 |
Consumer loans: |  |  |  |  |  |  |  |  |
Home equity | — |  | — |  | — |  | — |  | — |  | — |  | 3 |  | — |  | 3 |
Indirect secured consumer loans | — |  | 13 |  | 20 |  | 22 |  | 8 |  | 6 |  | — |  | — |  | 69 |
Credit card | — |  | — |  | — |  | — |  | — |  | — |  | 42 |  | — |  | 42 |
Solar energy installation loans | — |  | 6 |  | 25 |  | 13 |  | — |  | — |  | — |  | — |  | 44 |
Other consumer loans | — |  | 2 |  | 8 |  | 13 |  | 4 |  | 7 |  | 16 |  | 1 |  | 51 |
Total residential mortgage and consumer loans | $ | — |  | 21 |  | 53 |  | 48 |  | 12 |  | 14 |  | 61 |  | 1 |  | 210 |
Financing Receivable, Past Due | The following tables summarize the Bancorp’s amortized cost basis in portfolio commercial loans and leases, by age and class:
| Current Loans and Leases(a) | Past Due | Total Loans and Leases | 90 Days Past Due and Still Accruing
As of June 30, 2026 ($ in millions) | 30-89 Days(a) | 90 Days or More(a) | Total Past Due
Commercial loans and leases: |  |  |  |  |  |
Commercial and industrial loans | $ | 85,474 |  | 176 |  | 86 |  | 262 |  | 85,736 |  | 4 |
Commercial mortgage owner-occupied loans | 12,171 |  | 31 |  | 19 |  | 50 |  | 12,221 |  | — |
Commercial mortgage nonowner-occupied loans | 14,841 |  | 130 |  | 4 |  | 134 |  | 14,975 |  | 1 |
Commercial construction loans | 8,413 |  | — |  | 46 |  | 46 |  | 8,459 |  | — |
Commercial leases | 3,483 |  | 6 |  | — |  | 6 |  | 3,489 |  | — |
Total portfolio commercial loans and leases | $ | 124,382 |  | 343 |  | 155 |  | 498 |  | 124,880 |  | 5 |
(a)Includes accrual and nonaccrual loans and leases.
| Current Loans and Leases(a) | Past Due | Total Loans and Leases | 90 Days Past Due and Still Accruing
As of December 31, 2025 ($ in millions) | 30-89 Days(a) | 90 Days or More(a) | Total Past Due
Commercial loans and leases: |  |  |  |  |  |
Commercial and industrial loans | $ | 52,481 |  | 173 |  | 95 |  | 268 |  | 52,749 |  | 2 |
Commercial mortgage owner-occupied loans | 6,127 |  | 3 |  | 12 |  | 15 |  | 6,142 |  | — |
Commercial mortgage nonowner-occupied loans | 6,083 |  | 1 |  | 2 |  | 3 |  | 6,086 |  | — |
Commercial construction loans | 5,315 |  | — |  | 1 |  | 1 |  | 5,316 |  | 1 |
Commercial leases | 3,258 |  | 11 |  | — |  | 11 |  | 3,269 |  | — |
Total portfolio commercial loans and leases | $ | 73,264 |  | 188 |  | 110 |  | 298 |  | 73,562 |  | 3 |
(a)Includes accrual and nonaccrual loans and leases.
Summary of the Amortized Cost Basis of the Bancorp's Collateral Dependent Loans | The following table presents the amortized cost basis of the Bancorp’s collateral-dependent loans and leases, by portfolio class, as of:
($ in millions) | June 30, 2026 | December 31, 2025
Commercial loans and leases: |  |
Commercial and industrial loans | $ | 380 |  | 322 |
Commercial mortgage owner-occupied loans | 66 |  | 19 |
Commercial mortgage nonowner-occupied loans | 10 |  | 5 |
Commercial construction loans | 62 |  | — |
Commercial leases | 4 |  | — |
Total commercial loans and leases | $ | 522 |  | 346 |
Residential mortgage loans | 153 |  | 143 |
Consumer loans: |  |
Home equity | 71 |  | 70 |
Indirect secured consumer loans | 35 |  | 35 |
Total consumer loans | $ | 106 |  | 105 |
Total portfolio loans and leases | $ | 781 |  | 594 |
Summary of the Bancorp's Nonperforming Loans and Leases by Class | The following table presents the amortized cost basis of the Bancorp’s nonaccrual loans and leases, by class, and OREO and other repossessed property as of:
| June 30, 2026 |  | December 31, 2025
($ in millions) | With an ALLL | No Related ALLL | Total |  | With an ALLL | No Related ALLL | Total
Commercial loans and leases: |  |  |  |  |  |  |
Commercial and industrial loans | $ | 377 |  | 78 |  | 455 |  |  | 350 |  | 43 |  | 393 |
Commercial mortgage owner-occupied loans | 50 |  | 33 |  | 83 |  |  | 16 |  | 13 |  | 29 |
Commercial mortgage nonowner-occupied loans | 10 |  | 1 |  | 11 |  |  | 5 |  | — |  | 5 |
Commercial construction loans | — |  | 62 |  | 62 |  |  | — |  | — |  | — |
Commercial leases | 4 |  | — |  | 4 |  |  | — |  | — |  | — |
Total nonaccrual portfolio commercial loans and leases | $ | 441 |  | 174 |  | 615 |  |  | 371 |  | 56 |  | 427 |
Residential mortgage loans | 96 |  | 80 |  | 176 |  |  | 69 |  | 80 |  | 149 |
Consumer loans: |  |  |  |  |  |  |
Home equity | 80 |  | 51 |  | 131 |  |  | 23 |  | 48 |  | 71 |
Indirect secured consumer loans | 53 |  | 9 |  | 62 |  |  | 52 |  | 9 |  | 61 |
Credit card | 29 |  | — |  | 29 |  |  | 29 |  | — |  | 29 |
Solar energy installation loans | 23 |  | — |  | 23 |  |  | 22 |  | — |  | 22 |
Other consumer loans | 5 |  | — |  | 5 |  |  | 8 |  | — |  | 8 |
Total nonaccrual portfolio consumer loans | $ | 190 |  | 60 |  | 250 |  |  | 134 |  | 57 |  | 191 |
Total nonaccrual portfolio loans and leases(a)(b) | $ | 727 |  | 314 |  | 1,041 |  |  | 574 |  | 193 |  | 767 |
OREO and other repossessed property | — |  | 34 |  | 34 |  |  | — |  | 30 |  | 30 |
Total nonperforming portfolio assets(a)(b) | $ | 727 |  | 348 |  | 1,075 |  |  | 574 |  | 223 |  | 797 |
(a)Excludes $167 and $70 of nonaccrual loans held for sale as of June 30, 2026 and December 31, 2025, respectively. (b)Includes $35 and $21 of nonaccrual government-insured commercial loans whose repayments are insured by the SBA as of June 30, 2026 and December 31, 2025, respectively.
Summary of Loan Modifications | The following tables present the amortized cost basis as of June 30, 2026 and 2025 of the Bancorp’s commercial portfolio loans that were modified for borrowers experiencing financial difficulty, by portfolio class and type of modification:
For the three months ended June 30, 2026 ($ in millions) | Term Extension |  | Term Extension and Payment Delay | Payment Delay | Other | Total | % of Total Class
Commercial and industrial loans | $ | 511 |  |  | 13 |  | — |  | 1 |  | 525 |  | 0.61 |
Commercial mortgage owner-occupied loans | 77 |  |  | — |  | 2 |  | — |  | 79 |  | 0.65 |
Commercial mortgage nonowner-occupied loans | 83 |  |  | — |  | — |  | — |  | 83 |  | 0.55 |
Commercial construction loans | 33 |  |  | — |  | — |  | — |  | 33 |  | 0.39 |
Total commercial portfolio loans | $ | 704 |  |  | 13 |  | 2 |  | 1 |  | 720 |  | 0.59 |
For the three months ended June 30, 2025 ($ in millions) | Term Extension | Term Extension and Payment Delay |  | Payment Delay | Other | Total | % of Total Class
Commercial and industrial loans | $ | 80 |  | — |  |  | 163 |  | — |  | 243 |  | 0.46 |
Commercial mortgage owner-occupied loans | 48 |  | — |  |  | 1 |  | — |  | 49 |  | 0.83 |
Commercial mortgage nonowner-occupied loans | — |  | — |  |  | — |  | — |  | — |  | — |
Commercial construction loans | 41 |  | — |  |  | — |  | — |  | 41 |  | 0.74 |
Total commercial portfolio loans | $ | 169 |  | — |  |  | 164 |  | — |  | 333 |  | 0.47 |
For the six months ended June 30, 2026 ($ in millions) | Term Extension |  |  | Term Extension and Payment Delay | Payment Delay | Other | Total | % of Total Class
Commercial and industrial loans | $ | 734 |  |  |  | 21 |  | — |  | 20 |  | 775 |  | 0.90 |
Commercial mortgage owner-occupied loans | 80 |  |  |  | — |  | 2 |  | — |  | 82 |  | 0.67 |
Commercial mortgage nonowner-occupied loans | 85 |  |  |  | — |  | — |  | — |  | 85 |  | 0.57 |
Commercial construction loans | 67 |  |  |  | — |  | — |  | — |  | 67 |  | 0.79 |
Total commercial portfolio loans | $ | 966 |  |  |  | 21 |  | 2 |  | 20 |  | 1,009 |  | 0.83 |
For the six months ended June 30, 2025 ($ in millions) | Term Extension | Term Extension and Payment Delay |  | Payment Delay | Other | Total | % of Total Class
Commercial and industrial loans | $ | 116 |  | 4 |  |  | 163 |  | — |  | 283 |  | 0.53 |
Commercial mortgage owner-occupied loans | 53 |  | 23 |  |  | 1 |  | — |  | 77 |  | 1.31 |
Commercial mortgage nonowner-occupied loans | 2 |  | — |  |  | — |  | — |  | 2 |  | 0.03 |
Commercial construction loans | 50 |  | — |  |  | 43 |  | — |  | 93 |  | 1.68 |
Total commercial portfolio loans | $ | 221 |  | 27 |  |  | 207 |  | — |  | 455 |  | 0.64 |
The following tables present the financial effects of the Bancorp’s significant types of commercial portfolio loan modifications to borrowers experiencing financial difficulty, by portfolio class:
|  | For the three months ended June 30,
| Financial Effects | 2026 | 2025
Commercial and industrial loans | Weighted-average length of term extensions | 9 months | 20 months
| Weighted-average length of payment delay | 6 months | 9 months
Commercial mortgage owner-occupied loans | Weighted-average length of term extensions | 5 months | 6 months
| Weighted-average length of payment delay | 1 month | 6 months
Commercial mortgage nonowner-occupied loans | Weighted-average length of term extensions | 9 months | N/A
Commercial construction loans | Weighted-average length of term extensions | 3 months | 12 months
|  | For the six months ended June 30,
| Financial Effects | 2026 | 2025
Commercial and industrial loans | Weighted-average length of term extensions | 9 months | 16 months
| Weighted-average length of payment delay | 5 months | 9 months
Commercial mortgage owner-occupied loans | Weighted-average length of term extensions | 5 months | 7 months
| Weighted-average length of payment delay | 1 month | 10 months
Commercial mortgage nonowner-occupied loans | Weighted-average length of term extensions | 9 months | 6 months
Commercial construction loans | Weighted-average length of term extensions | 6 months | 12 months
| Weighted-average length of payment delay | N/A | 7 months
The following tables present the amortized cost basis as of June 30, 2026 and 2025 of the Bancorp’s residential mortgage portfolio loans that were modified for borrowers experiencing financial difficulty, by type of modification:
| June 30, 2026 | June 30, 2025
For the three months ended ($ in millions) | Total | % of Total Class | Total | % of Total Class
Payment delay | $ | 2 |  | 0.01 | $ | — |  | — |
Term extension and payment delay | 5 |  | 0.03 | 22 |  | 0.12 |
Term extension, interest rate reduction and payment delay | — |  | — | 12 |  | 0.07 |
Total residential mortgage portfolio loans | $ | 7 |  | 0.04 | $ | 34 |  | 0.19 |
| June 30, 2026 | June 30, 2025
For the six months ended ($ in millions) | Total | % of Total Class | Total | % of Total Class
Payment delay | $ | 2 |  | — |  | $ | — |  | — |
Term extension and payment delay | 14 |  | 0.07 | 38 |  | 0.21 |
Term extension, interest rate reduction and payment delay | 7 |  | 0.04 | 13 |  | 0.07 |
Total residential mortgage portfolio loans | $ | 23 |  | 0.12 | $ | 51 |  | 0.29 |
The following tables present the amortized cost basis as of June 30, 2026 and 2025 of the Bancorp’s consumer portfolio loans that were modified for borrowers experiencing financial difficulty, by portfolio class and type of modification:
For the three months ended June 30, 2026 ($ in millions) | Interest Rate Reduction | Payment Delay |  |  |  | Other | Total | % of Total Class
Home equity | $ | 1 |  | — |  |  |  |  | 2 |  | 3 |  | 0.04 |
Credit card | 6 |  | — |  |  |  |  | — |  | 6 |  | 0.36 |
Solar energy installation loans | — |  | — |  |  |  |  | — |  | — |  | — |
Other consumer loans | — |  | 1 |  |  |  |  | — |  | 1 |  | 0.04 |
Total consumer portfolio loans | $ | 7 |  | 1 |  |  |  |  | 2 |  | 10 |  | 0.03 |
For the three months ended June 30, 2025 ($ in millions) | Interest Rate Reduction | Payment Delay |  |  |  | Other | Total | % of Total Class
Home equity | $ | — |  | — |  |  |  |  | 3 |  | 3 |  | 0.07 |
Credit card | 5 |  | — |  |  |  |  | — |  | 5 |  | 0.29 |
Solar energy installation loans | — |  | 1 |  |  |  |  | — |  | 1 |  | 0.02 |
Other consumer loans | — |  | 1 |  |  |  |  | — |  | 1 |  | 0.04 |
Total consumer portfolio loans | $ | 5 |  | 2 |  |  |  |  | 3 |  | 10 |  | 0.03 |
For the six months ended June 30, 2026 ($ in millions) | Interest Rate Reduction | Payment Delay |  |  | Other | Total | % of Total Class
Home equity | $ | 2 |  | — |  |  |  | 6 |  | 8 |  | 0.12 |
Credit card | 11 |  | — |  |  |  | — |  | 11 |  | 0.65 |
Solar energy installation loans | — |  | 1 |  |  |  | — |  | 1 |  | 0.02 |
Other consumer loans | — |  | 1 |  |  |  | — |  | 1 |  | 0.04 |
Total consumer portfolio loans | $ | 13 |  | 2 |  |  |  | 6 |  | 21 |  | 0.06 |
For the six months ended June 30, 2025 ($ in millions) | Interest Rate Reduction | Payment Delay |  |  | Other | Total | % of Total Class
Home equity | $ | 1 |  | — |  |  |  | 6 |  | 7 |  | 0.16 |
Credit card | 10 |  | — |  |  |  | — |  | 10 |  | 0.59 |
Solar energy installation loans | — |  | 1 |  |  |  | — |  | 1 |  | 0.02 |
Other consumer loans | — |  | 2 |  |  |  | — |  | 2 |  | 0.08 |
Total consumer portfolio loans | $ | 11 |  | 3 |  |  |  | 6 |  | 20 |  | 0.07 |
Financing Receivable, Modified, Past Due | The following tables present the amortized cost basis as of June 30, 2026 and 2025 for the Bancorp’s commercial portfolio loans that were modified during the twelve months ended June 30, 2026 and 2025, respectively, for borrowers experiencing financial difficulty, by age and portfolio class:
June 30, 2026 ($ in millions) |  | Past Due |
Current | 30-89 Days | 90 Days or More | Total
Commercial and industrial loans | $ | 801 |  | 24 |  | 9 |  | 834 |
Commercial mortgage owner-occupied loans | 84 |  | — |  | — |  | 84 |
Commercial mortgage nonowner-occupied loans | 167 |  | 2 |  | — |  | 169 |
Commercial construction loans | 97 |  | — |  | — |  | 97 |
Total commercial portfolio loans | $ | 1,149 |  | 26 |  | 9 |  | 1,184 |
June 30, 2025 ($ in millions) |  | Past Due |
Current | 30-89 Days | 90 Days or More | Total
Commercial and industrial loans | $ | 321 |  | 3 |  | 62 |  | 386 |
Commercial mortgage owner-occupied loans | 100 |  | — |  | 23 |  | 123 |
Commercial mortgage nonowner-occupied loans | 51 |  | — |  | — |  | 51 |
Commercial construction loans | 118 |  | — |  | — |  | 118 |
Total commercial portfolio loans | $ | 590 |  | 3 |  | 85 |  | 678 |
Summary of Amortized Cost Basis of Modifications to Borrowers Experiencing Financial Difficulty That Subsequently Defaulted and Were Within Twelve Months of the Modification Date | The following tables present the amortized cost basis of commercial portfolio loans as of June 30, 2026 and 2025 of the modifications for borrowers experiencing financial difficulty that subsequently defaulted during the three months ended June 30, 2026 and 2025, respectively, and were within twelve months of the modification date:
June 30, 2026 ($ in millions) | Term Extension |  | Payment Delay |  | Term Extension and Payment Delay |  | Other | Total
Commercial and industrial loans | $ | 28 |  |  | — |  |  | 8 |  |  | 19 |  | 55 |
Commercial mortgage owner-occupied loans | — |  |  | — |  |  | — |  |  | — |  | — |
Commercial construction loans | — |  |  | — |  |  | 31 |  |  | — |  | 31 |
Total commercial portfolio loans | $ | 28 |  |  | — |  |  | 39 |  |  | 19 |  | 86 |
June 30, 2025 ($ in millions) | Term Extension |  | Payment Delay |  | Term Extension and Payment Delay |  | Other | Total
Commercial and industrial loans | $ | 1 |  |  | 43 |  |  | — |  |  | — |  | 44 |
Commercial mortgage owner-occupied loans | — |  |  | — |  |  | — |  |  | — |  | — |
Commercial construction loans | — |  |  | — |  |  | — |  |  | — |  | — |
Total commercial portfolio loans | $ | 1 |  |  | 43 |  |  | — |  |  | — |  | 44 |
The following tables present the amortized cost basis as of June 30, 2026 and 2025 of the modifications for borrowers experiencing financial difficulty that subsequently defaulted during the six months ended June 30, 2026 and 2025, respectively, and were within twelve months of the modification date:
June 30, 2026 ($ in millions) | Term Extension |  | Payment Delay |  | Term Extension and Payment Delay |  | Other | Total
Commercial and industrial loans | $ | 50 |  |  | — |  |  | 8 |  |  | 19 |  | 77 |
Commercial mortgage owner-occupied loans | — |  |  | — |  |  | — |  |  | — |  | — |
Commercial construction loans | — |  |  | — |  |  | 31 |  |  | — |  | 31 |
Total commercial portfolio loans | $ | 50 |  |  | — |  |  | 39 |  |  | 19 |  | 108 |
June 30, 2025 ($ in millions) | Term Extension |  | Payment Delay |  | Term Extension and Payment Delay |  | Other | Total
Commercial and industrial loans | $ | 1 |  |  | 52 |  |  | 3 |  |  | — |  | 56 |
Commercial mortgage owner-occupied loans | — |  |  | — |  |  | 23 |  |  | — |  | 23 |
Commercial construction loans | — |  |  | — |  |  | — |  |  | — |  | — |
Total commercial portfolio loans | $ | 1 |  |  | 52 |  |  | 26 |  |  | — |  | 79 |

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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5 + Details
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- Definition Tabular disclosure of aging analysis for financing receivable modified for debtor experiencing financial difficulty. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Subparagraph (a)(3) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 12A -Publisher FASB -URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A + Details
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- Definition Tabular disclosure of financing receivable with payment default and modified within previous 12 months preceding payment default for debtor experiencing financial difficulty. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 44 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-44 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 12A -Publisher FASB -URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A + Details
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- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 14 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-14 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 80 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-80 + Details
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- Definition Tabular disclosure of financing receivable on nonaccrual status. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 16 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-16 + Details
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- Definition Tabular disclosure of financing receivable modified for debtor experiencing financial difficulty. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 12A -Publisher FASB -URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A Reference 4: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 34 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-34 Reference 5: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 33 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-33 + Details
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