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Credit Quality and the Allowance for Loan and Lease Losses (Tables)

6 Months Ended

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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