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LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 6 Months Ended
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Jun. 30, 2025
Receivables [Abstract] |
Summary of Major Portfolio Segment and Specific Loan Class | The following schedule presents our loan and lease portfolio according to major portfolio segment and specific class:
(In millions) | June 30, 2025 |  | December 31, 2024
Loans held for sale | $ | 172 |  |  | $ | 74 |
Commercial: |  |  |
Commercial and industrial | $ | 17,526 |  |  | $ | 16,891 |
Owner-occupied | 9,377 |  |  | 9,333 |
Municipal | 4,376 |  |  | 4,364 |
Leasing | 367 |  |  | 377 |
Total commercial | 31,646 |  |  | 30,965 |
Commercial real estate: |  |  |
Term | 11,186 |  |  | 10,703 |
Construction and land development | 2,425 |  |  | 2,774 |
Total commercial real estate | 13,611 |  |  | 13,477 |
Consumer: |  |  |
1-4 family residential | 10,431 |  |  | 9,939 |
Home equity credit line | 3,784 |  |  | 3,641 |
Construction and other consumer real estate | 743 |  |  | 810 |
Bankcard and other revolving plans | 496 |  |  | 457 |
Other | 122 |  |  | 121 |
Total consumer | 15,576 |  |  | 14,968 |
Total loans and leases | $ | 60,833 |  |  | $ | 59,410 |
Loans Held For Sale | The following schedule presents loans added to, or sold from, the held for sale category during the periods presented:
| Three Months Ended June 30, |  | Six Months Ended June 30,
(In millions) | 2025 |  | 2024 |  | 2025 |  | 2024
Loans added to held for sale | $ | 272 |  |  | $ | 270 |  |  | $ | 448 |  |  | $ | 399 |
Loans sold from held for sale | 211 |  |  | 171 |  |  | 350 |  |  | 341 |
Summary of Changes in the Allowance for Credit Losses | Changes in the ACL are summarized as follows:
| Three Months Ended June 30, 2025
(In millions) | Commercial |  | Commercial real estate |  | Consumer |  | Total
Allowance for loan losses |  |  |  |  |  |  |
Balance at beginning of period | $ | 337 |  |  | $ | 271 |  |  | $ | 89 |  |  | $ | 697 |
Provision for loan losses | 31 |  |  | (40) |  |  | 12 |  |  | 3 |
Gross loan and lease charge-offs | 12 |  |  | 1 |  |  | 3 |  |  | 16 |
Recoveries | 5 |  |  | — |  |  | 1 |  |  | 6 |
Net loan and lease charge-offs (recoveries) | 7 |  |  | 1 |  |  | 2 |  |  | 10 |
Balance at end of period | $ | 361 |  |  | $ | 230 |  |  | $ | 99 |  |  | $ | 690 |
Reserve for unfunded lending commitments |  |  |  |  |  |  |
Balance at beginning of period | $ | 28 |  |  | $ | 10 |  |  | $ | 8 |  |  | $ | 46 |
Provision for unfunded lending commitments | (6) |  |  | 2 |  |  | — |  |  | (4) |
Balance at end of period | $ | 22 |  |  | $ | 12 |  |  | $ | 8 |  |  | $ | 42 |
Total allowance for credit losses at end of period |  |  |  |  |  |  |
Allowance for loan losses | $ | 361 |  |  | $ | 230 |  |  | $ | 99 |  |  | $ | 690 |
Reserve for unfunded lending commitments | 22 |  |  | 12 |  |  | 8 |  |  | 42 |
Total allowance for credit losses | $ | 383 |  |  | $ | 242 |  |  | $ | 107 |  |  | $ | 732 |
| Six Months Ended June 30, 2025
(In millions) | Commercial |  | Commercial real estate |  | Consumer |  | Total
Allowance for loan losses |  |  |  |  |  |  |
Balance at beginning of period | $ | 308 |  |  | $ | 300 |  |  | $ | 88 |  |  | $ | 696 |
Provision for loan losses | 72 |  |  | (69) |  |  | 17 |  |  | 20 |
Gross loan and lease charge-offs | 31 |  |  | 1 |  |  | 8 |  |  | 40 |
Recoveries | 12 |  |  | — |  |  | 2 |  |  | 14 |
Net loan and lease charge-offs (recoveries) | 19 |  |  | 1 |  |  | 6 |  |  | 26 |
Balance at end of period | $ | 361 |  |  | $ | 230 |  |  | $ | 99 |  |  | $ | 690 |
Reserve for unfunded lending commitments |  |  |  |  |  |  |
Balance at beginning of period | $ | 26 |  |  | $ | 11 |  |  | $ | 8 |  |  | $ | 45 |
Provision for unfunded lending commitments | (4) |  |  | 1 |  |  | — |  |  | (3) |
Balance at end of period | $ | 22 |  |  | $ | 12 |  |  | $ | 8 |  |  | $ | 42 |
Total allowance for credit losses at end of period |  |  |  |  |  |  |
Allowance for loan losses | $ | 361 |  |  | $ | 230 |  |  | $ | 99 |  |  | $ | 690 |
Reserve for unfunded lending commitments | 22 |  |  | 12 |  |  | 8 |  |  | 42 |
Total allowance for credit losses | $ | 383 |  |  | $ | 242 |  |  | $ | 107 |  |  | $ | 732 |
| Three Months Ended June 30, 2024
(In millions) | Commercial |  | Commercial real estate |  | Consumer |  | Total
Allowance for loan losses |  |  |  |  |  |  |
Balance at beginning of period | $ | 296 |  |  | $ | 299 |  |  | $ | 104 |  |  | $ | 699 |
Provision for loan losses | 10 |  |  | 12 |  |  | (10) |  |  | 12 |
Gross loan and lease charge-offs | 8 |  |  | 11 |  |  | 2 |  |  | 21 |
Recoveries | 4 |  |  | — |  |  | 2 |  |  | 6 |
Net loan and lease charge-offs (recoveries) | 4 |  |  | 11 |  |  | — |  |  | 15 |
Balance at end of period | $ | 302 |  |  | $ | 300 |  |  | $ | 94 |  |  | $ | 696 |
Reserve for unfunded lending commitments |  |  |  |  |  |  |
Balance at beginning of period | $ | 19 |  |  | $ | 10 |  |  | $ | 8 |  |  | $ | 37 |
Provision for unfunded lending commitments | (3) |  |  | (3) |  |  | (1) |  |  | (7) |
Balance at end of period | $ | 16 |  |  | $ | 7 |  |  | $ | 7 |  |  | $ | 30 |
Total allowance for credit losses at end of period |  |  |  |  |  |  |
Allowance for loan losses | $ | 302 |  |  | $ | 300 |  |  | $ | 94 |  |  | $ | 696 |
Reserve for unfunded lending commitments | 16 |  |  | 7 |  |  | 7 |  |  | 30 |
Total allowance for credit losses | $ | 318 |  |  | $ | 307 |  |  | $ | 101 |  |  | $ | 726 |
| Six Months Ended June 30, 2024
(In millions) | Commercial |  | Commercial real estate |  | Consumer |  | Total
Allowance for loan losses |  |  |  |  |  |  |
Balance at beginning of period | $ | 302 |  |  | $ | 241 |  |  | $ | 141 |  |  | $ | 684 |
Provision for loan losses | 8 |  |  | 69 |  |  | (44) |  |  | 33 |
Gross loan and lease charge-offs | 18 |  |  | 11 |  |  | 6 |  |  | 35 |
Recoveries | 10 |  |  | 1 |  |  | 3 |  |  | 14 |
Net loan and lease charge-offs (recoveries) | 8 |  |  | 10 |  |  | 3 |  |  | 21 |
Balance at end of period | $ | 302 |  |  | $ | 300 |  |  | $ | 94 |  |  | $ | 696 |
Reserve for unfunded lending commitments |  |  |  |  |  |  |
Balance at beginning of period | $ | 19 |  |  | $ | 17 |  |  | $ | 9 |  |  | $ | 45 |
Provision for unfunded lending commitments | (3) |  |  | (10) |  |  | (2) |  |  | (15) |
Balance at end of period | $ | 16 |  |  | $ | 7 |  |  | $ | 7 |  |  | $ | 30 |
Total allowance for credit losses at end of period |  |  |  |  |  |  |
Allowance for loan losses | $ | 302 |  |  | $ | 300 |  |  | $ | 94 |  |  | $ | 696 |
Reserve for unfunded lending commitments | 16 |  |  | 7 |  |  | 7 |  |  | 30 |
Total allowance for credit losses | $ | 318 |  |  | $ | 307 |  |  | $ | 101 |  |  | $ | 726 |
Summary of Nonaccrual Loans | The following schedule presents the amortized cost basis of loans on nonaccrual:
| June 30, 2025
| Amortized cost basis |  | Total amortized cost basis |  |
(In millions) | with no allowance |  | with allowance |  |  | Related allowance
Commercial: |  |  |  |  |  |  |
Commercial and industrial | $ | 10 |  |  | $ | 103 |  |  | $ | 113 |  |  | $ | 14 |
Owner-occupied | 11 |  |  | 28 |  |  | 39 |  |  | 2 |
Municipal | — |  |  | 5 |  |  | 5 |  |  | 2 |
Leasing | — |  |  | 2 |  |  | 2 |  |  | — |
Total commercial | 21 |  |  | 138 |  |  | 159 |  |  | 18 |
Commercial real estate: |  |  |  |  |  |  |
Term | 3 |  |  | 57 |  |  | 60 |  |  | 3 |
Total commercial real estate | 3 |  |  | 57 |  |  | 60 |  |  | 3 |
Consumer: |  |  |  |  |  |  |
1-4 family residential | 8 |  |  | 50 |  |  | 58 |  |  | 5 |
Home equity credit line | 1 |  |  | 29 |  |  | 30 |  |  | 8 |
Bankcard and other revolving plans | — |  |  | 1 |  |  | 1 |  |  | 1 |
Total consumer | 9 |  |  | 80 |  |  | 89 |  |  | 14 |
Total | $ | 33 |  |  | $ | 275 |  |  | $ | 308 |  |  | $ | 35 |
| December 31, 2024
| Amortized cost basis |  | Total amortized cost basis |  |
(In millions) | with no allowance |  | with allowance |  |  | Related allowance
Commercial: |  |  |  |  |  |  |
Commercial and industrial | $ | 45 |  |  | $ | 69 |  |  | $ | 114 |  |  | $ | 19 |
Owner-occupied | 18 |  |  | 13 |  |  | 31 |  |  | 1 |
Municipal | 5 |  |  | 6 |  |  | 11 |  |  | 2 |
Leasing | — |  |  | 2 |  |  | 2 |  |  | 1 |
Total commercial | 68 |  |  | 90 |  |  | 158 |  |  | 23 |
Commercial real estate: |  |  |  |  |  |  |
Term | 27 |  |  | 32 |  |  | 59 |  |  | 4 |
Total commercial real estate | 27 |  |  | 32 |  |  | 59 |  |  | 4 |
Consumer: |  |  |  |  |  |  |
1-4 family residential | 12 |  |  | 37 |  |  | 49 |  |  | 4 |
Home equity credit line | 5 |  |  | 25 |  |  | 30 |  |  | 5 |
Bankcard and other revolving plans | — |  |  | 1 |  |  | 1 |  |  | 1 |
Total consumer | 17 |  |  | 63 |  |  | 80 |  |  | 10 |
Total | $ | 112 |  |  | $ | 185 |  |  | $ | 297 |  |  | $ | 37 |
The following schedule presents the amount of accrued interest receivables reversed from interest income, categorized by loan portfolio segment during the periods presented:
| Three Months Ended June 30, |  | Six Months Ended June 30,
(In millions) | 2025 |  | 2024 |  | 2025 |  | 2024
Commercial | $ | 4 |  |  | $ | 4 |  |  | $ | 7 |  |  | $ | 6 |
Commercial real estate | 1 |  |  | 1 |  |  | 3 |  |  | 3 |
Consumer | 1 |  |  | 1 |  |  | 2 |  |  | 2 |
Total | $ | 6 |  |  | $ | 6 |  |  | $ | 12 |  |  | $ | 11 |
Summary of Past Due Loans (Accruing and Nonaccruing) | Past due loans (accruing and nonaccruing) are summarized as follows:
| June 30, 2025
(In millions) | Current |  | 30-89 days past due |  | 90+ days past due |  | Total past due |  | Total loans |  | Accruing loans 90+ days past due |  | Nonaccrual loans that are current 1
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 17,458 |  |  | $ | 32 |  |  | $ | 36 |  |  | $ | 68 |  |  | $ | 17,526 |  |  | $ | 2 |  |  | $ | 75 |
Owner-occupied | 9,350 |  |  | 6 |  |  | 21 |  |  | 27 |  |  | 9,377 |  |  | — |  |  | 17 |
Municipal | 4,376 |  |  | — |  |  | — |  |  | — |  |  | 4,376 |  |  | 1 |  |  | 5 |
Leasing | 365 |  |  | 1 |  |  | 1 |  |  | 2 |  |  | 367 |  |  | — |  |  | — |
Total commercial | 31,549 |  |  | 39 |  |  | 58 |  |  | 97 |  |  | 31,646 |  |  | 3 |  |  | 97 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Term | 11,151 |  |  | 3 |  |  | 32 |  |  | 35 |  |  | 11,186 |  |  | — |  |  | 27 |
Construction and land development | 2,424 |  |  | 1 |  |  | — |  |  | 1 |  |  | 2,425 |  |  | — |  |  | — |
Total commercial real estate | 13,575 |  |  | 4 |  |  | 32 |  |  | 36 |  |  | 13,611 |  |  | — |  |  | 27 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential | 10,382 |  |  | 12 |  |  | 37 |  |  | 49 |  |  | 10,431 |  |  | — |  |  | 20 |
Home equity credit line | 3,762 |  |  | 12 |  |  | 10 |  |  | 22 |  |  | 3,784 |  |  | — |  |  | 16 |
Construction and other consumer real estate | 742 |  |  | 1 |  |  | — |  |  | 1 |  |  | 743 |  |  | — |  |  | — |
Bankcard and other revolving plans | 492 |  |  | 3 |  |  | 1 |  |  | 4 |  |  | 496 |  |  | 1 |  |  | — |
Other | 121 |  |  | 1 |  |  | — |  |  | 1 |  |  | 122 |  |  | — |  |  | — |
Total consumer | 15,499 |  |  | 29 |  |  | 48 |  |  | 77 |  |  | 15,576 |  |  | 1 |  |  | 36 |
Total | $ | 60,623 |  |  | $ | 72 |  |  | $ | 138 |  |  | $ | 210 |  |  | $ | 60,833 |  |  | $ | 4 |  |  | $ | 160 |
| December 31, 2024
(In millions) | Current |  | 30-89 days past due |  | 90+ days past due |  | Total past due |  | Total loans |  | Accruing loans 90+ days past due |  | Nonaccrual loans that are current 1
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 16,857 |  |  | $ | 20 |  |  | $ | 14 |  |  | $ | 34 |  |  | $ | 16,891 |  |  | $ | 1 |  |  | $ | 98 |
Owner-occupied | 9,309 |  |  | 10 |  |  | 14 |  |  | 24 |  |  | 9,333 |  |  | 3 |  |  | 16 |
Municipal | 4,348 |  |  | 6 |  |  | 10 |  |  | 16 |  |  | 4,364 |  |  | 10 |  |  | 11 |
Leasing | 377 |  |  | — |  |  | — |  |  | — |  |  | 377 |  |  | — |  |  | 2 |
Total commercial | 30,891 |  |  | 36 |  |  | 38 |  |  | 74 |  |  | 30,965 |  |  | 14 |  |  | 127 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Term | 10,667 |  |  | 2 |  |  | 34 |  |  | 36 |  |  | 10,703 |  |  | 3 |  |  | 28 |
Construction and land development | 2,774 |  |  | — |  |  | — |  |  | — |  |  | 2,774 |  |  | — |  |  | — |
Total commercial real estate | 13,441 |  |  | 2 |  |  | 34 |  |  | 36 |  |  | 13,477 |  |  | 3 |  |  | 28 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential | 9,896 |  |  | 16 |  |  | 27 |  |  | 43 |  |  | 9,939 |  |  | — |  |  | 15 |
Home equity credit line | 3,609 |  |  | 20 |  |  | 12 |  |  | 32 |  |  | 3,641 |  |  | — |  |  | 13 |
Construction and other consumer real estate | 810 |  |  | — |  |  | — |  |  | — |  |  | 810 |  |  | — |  |  | — |
Bankcard and other revolving plans | 453 |  |  | 2 |  |  | 2 |  |  | 4 |  |  | 457 |  |  | 1 |  |  | — |
Other | 121 |  |  | — |  |  | — |  |  | — |  |  | 121 |  |  | — |  |  | — |
Total consumer | 14,889 |  |  | 38 |  |  | 41 |  |  | 79 |  |  | 14,968 |  |  | 1 |  |  | 28 |
Total | $ | 59,221 |  |  | $ | 76 |  |  | $ | 113 |  |  | $ | 189 |  |  | $ | 59,410 |  |  | $ | 18 |  |  | $ | 183 |
1 Represents nonaccrual loans that are not past due more than 30 days; however, full payment of principal and interest is not expected.
Summary of Outstanding Loan Balances (Accruing and Nonaccruing) Categorized by Credit Quality Indicators | The following schedule presents the amortized cost basis of loans and leases categorized by year of origination and by credit quality classification as monitored by management. Loans that have been modified resulting in substantially different terms than the original loan are included in the period in which the modification occurred.
| June 30, 2025
| Term loans | Revolving loans amortized cost basis | Revolving loans converted to term loans amortized cost basis |
| Amortized cost basis by year of origination |
(In millions) | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Total
Commercial: |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |
Pass | $ | 1,699 |  | $ | 2,300 |  | $ | 1,688 |  | $ | 1,042 |  | $ | 554 |  | $ | 861 |  | $ | 8,356 |  | $ | 148 |  | $ | 16,648 |
Special Mention | 3 |  | 23 |  | 16 |  | 27 |  | 5 |  | 17 |  | 158 |  | 3 |  | 252 |
Accruing Substandard | 1 |  | 65 |  | 47 |  | 191 |  | 17 |  | 15 |  | 166 |  | 11 |  | 513 |
Nonaccrual | 12 |  | 3 |  | 2 |  | 27 |  | 5 |  | 24 |  | 13 |  | 27 |  | 113 |
Total commercial and industrial | 1,715 |  | 2,391 |  | 1,753 |  | 1,287 |  | 581 |  | 917 |  | 8,693 |  | 189 |  | 17,526 |
Owner-occupied |  |  |  |  |  |  |  |  |
Pass | 637 |  | 1,291 |  | 773 |  | 1,494 |  | 1,530 |  | 2,754 |  | 241 |  | 47 |  | 8,767 |
Special Mention | 1 |  | 66 |  | 1 |  | 19 |  | 30 |  | 29 |  | — |  | 1 |  | 147 |
Accruing Substandard | 2 |  | 30 |  | 28 |  | 124 |  | 102 |  | 113 |  | 20 |  | 5 |  | 424 |
Nonaccrual | — |  | 7 |  | 2 |  | 8 |  | 2 |  | 18 |  | 2 |  | — |  | 39 |
Total owner-occupied | 640 |  | 1,394 |  | 804 |  | 1,645 |  | 1,664 |  | 2,914 |  | 263 |  | 53 |  | 9,377 |
Municipal |  |  |  |  |  |  |  |  |
Pass | 293 |  | 597 |  | 478 |  | 877 |  | 907 |  | 1,156 |  | — |  | 41 |  | 4,349 |
Special Mention | — |  | 3 |  | — |  | — |  | — |  | — |  | — |  | — |  | 3 |
Accruing Substandard | — |  | — |  | — |  | — |  | — |  | 19 |  | — |  | — |  | 19 |
Nonaccrual | — |  | — |  | — |  | — |  | 5 |  | — |  | — |  | — |  | 5 |
Total municipal | 293 |  | 600 |  | 478 |  | 877 |  | 912 |  | 1,175 |  | — |  | 41 |  | 4,376 |
Leasing |  |  |  |  |  |  |  |  |
Pass | 41 |  | 98 |  | 70 |  | 84 |  | 20 |  | 34 |  | — |  | — |  | 347 |
Special Mention | — |  | 1 |  | — |  | — |  | — |  | — |  | — |  | — |  | 1 |
Accruing Substandard | — |  | 2 |  | 2 |  | 10 |  | 2 |  | 1 |  | — |  | — |  | 17 |
Nonaccrual | — |  | — |  | 1 |  | 1 |  | — |  | — |  | — |  | — |  | 2 |
Total leasing | 41 |  | 101 |  | 73 |  | 95 |  | 22 |  | 35 |  | — |  | — |  | 367 |
Total commercial | 2,689 |  | 4,486 |  | 3,108 |  | 3,904 |  | 3,179 |  | 5,041 |  | 8,956 |  | 283 |  | 31,646 |
Commercial real estate: |  |  |  |  |  |  |  |  |
Term |  |  |  |  |  |  |
Pass | 1,139 |  | 1,485 |  | 1,283 |  | 2,089 |  | 1,147 |  | 2,169 |  | 322 |  | 155 |  | 9,789 |
Special Mention | — |  | 41 |  | — |  | 44 |  | — |  | 1 |  | — |  | — |  | 86 |
Accruing Substandard | 246 |  | 156 |  | 78 |  | 466 |  | 140 |  | 84 |  | 1 |  | 80 |  | 1,251 |
Nonaccrual | 27 |  | — |  | — |  | 23 |  | — |  | 10 |  | — |  | — |  | 60 |
Total term | 1,412 |  | 1,682 |  | 1,361 |  | 2,622 |  | 1,287 |  | 2,264 |  | 323 |  | 235 |  | 11,186 |
Construction and land development |  |  |  |  |  |  |  |
Pass | 161 |  | 453 |  | 563 |  | 194 |  | 1 |  | 1 |  | 745 |  | 44 |  | 2,162 |
Special Mention | — |  | — |  | 61 |  | 32 |  | — |  | — |  | — |  | — |  | 93 |
Accruing Substandard | 95 |  | 9 |  | 19 |  | 47 |  | — |  | — |  | — |  | — |  | 170 |
Nonaccrual | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total construction and land development | 256 |  | 462 |  | 643 |  | 273 |  | 1 |  | 1 |  | 745 |  | 44 |  | 2,425 |
Total commercial real estate | 1,668 |  | 2,144 |  | 2,004 |  | 2,895 |  | 1,288 |  | 2,265 |  | 1,068 |  | 279 |  | 13,611 |
| June 30, 2025
| Term loans | Revolving loans amortized cost basis | Revolving loans converted to term loans amortized cost basis |
| Amortized cost basis by year of origination |
(In millions) | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Total
Consumer: |  |  |  |  |  |  |  |  |
1-4 family residential |  |  |  |  |  |  |  |  |
Pass | $ | 462 |  | $ | 1,010 |  | $ | 919 |  | $ | 3,115 |  | $ | 1,872 |  | $ | 2,992 |  | $ | — |  | $ | — |  | $ | 10,370 |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Accruing Substandard | — |  | — |  | — |  | — |  | 1 |  | 2 |  | — |  | — |  | 3 |
Nonaccrual | — |  | 1 |  | 4 |  | 11 |  | 12 |  | 30 |  | — |  | — |  | 58 |
Total 1-4 family residential | 462 |  | 1,011 |  | 923 |  | 3,126 |  | 1,885 |  | 3,024 |  | — |  | — |  | 10,431 |
Home equity credit line |  |  |  |  |  |  |  |  |
Pass | — |  | — |  | — |  | — |  | — |  | — |  | 3,643 |  | 104 |  | 3,747 |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Accruing Substandard | — |  | — |  | — |  | — |  | — |  | — |  | 7 |  | — |  | 7 |
Nonaccrual | — |  | — |  | — |  | — |  | — |  | — |  | 25 |  | 5 |  | 30 |
Total home equity credit line | — |  | — |  | — |  | — |  | — |  | — |  | 3,675 |  | 109 |  | 3,784 |
Construction and other consumer real estate |  |  |  |  |  |  |
Pass | 66 |  | 281 |  | 136 |  | 241 |  | 16 |  | 3 |  | — |  | — |  | 743 |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Accruing Substandard | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Nonaccrual | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total construction and other consumer real estate | 66 |  | 281 |  | 136 |  | 241 |  | 16 |  | 3 |  | — |  | — |  | 743 |
Bankcard and other revolving plans |  |  |  |  |  |  |  |
Pass | — |  | — |  | — |  | — |  | — |  | — |  | 492 |  | 1 |  | 493 |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Accruing Substandard | — |  | — |  | — |  | — |  | — |  | — |  | 2 |  | — |  | 2 |
Nonaccrual | — |  | — |  | — |  | — |  | — |  | — |  | 1 |  | — |  | 1 |
Total bankcard and other revolving plans | — |  | — |  | — |  | — |  | — |  | — |  | 495 |  | 1 |  | 496 |
Other consumer |  |  |  |  |  |  |  |  |
Pass | 39 |  | 34 |  | 25 |  | 16 |  | 6 |  | 2 |  | — |  | — |  | 122 |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Accruing Substandard | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Nonaccrual | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total other consumer | 39 |  | 34 |  | 25 |  | 16 |  | 6 |  | 2 |  | — |  | — |  | 122 |
Total consumer | 567 |  | 1,326 |  | 1,084 |  | 3,383 |  | 1,907 |  | 3,029 |  | 4,170 |  | 110 |  | 15,576 |
Total loans | $ | 4,924 |  | $ | 7,956 |  | $ | 6,196 |  | $ | 10,182 |  | $ | 6,374 |  | $ | 10,335 |  | $ | 14,194 |  | $ | 672 |  | $ | 60,833 |
| December 31, 2024
| Term loans | Revolving loans amortized cost basis | Revolving loans converted to term loans amortized cost basis |
| Amortized cost basis by year of origination |
(In millions) | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Total
Commercial: |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |
Pass | $ | 2,479 |  | $ | 1,951 |  | $ | 1,504 |  | $ | 759 |  | $ | 387 |  | $ | 679 |  | $ | 8,043 |  | $ | 150 |  | $ | 15,952 |
Special Mention | 37 |  | 24 |  | 47 |  | 8 |  | 2 |  | 34 |  | 85 |  | 5 |  | 242 |
Accruing Substandard | 53 |  | 43 |  | 200 |  | 26 |  | 28 |  | 21 |  | 200 |  | 12 |  | 583 |
Nonaccrual | 7 |  | 13 |  | 31 |  | 17 |  | 1 |  | 4 |  | 38 |  | 3 |  | 114 |
Total commercial and industrial | 2,576 |  | 2,031 |  | 1,782 |  | 810 |  | 418 |  | 738 |  | 8,366 |  | 170 |  | 16,891 |
Owner-occupied |  |  |  |  |  |  |  |  |
Pass | 1,346 |  | 907 |  | 1,606 |  | 1,657 |  | 900 |  | 2,097 |  | 234 |  | 47 |  | 8,794 |
Special Mention | 38 |  | — |  | 38 |  | 31 |  | 2 |  | 18 |  | 18 |  | 1 |  | 146 |
Accruing Substandard | 23 |  | 28 |  | 75 |  | 66 |  | 25 |  | 133 |  | 7 |  | 5 |  | 362 |
Nonaccrual | 5 |  | 1 |  | 4 |  | 1 |  | — |  | 15 |  | 5 |  | — |  | 31 |
Total owner-occupied | 1,412 |  | 936 |  | 1,723 |  | 1,755 |  | 927 |  | 2,263 |  | 264 |  | 53 |  | 9,333 |
Municipal |  |  |  |  |  |  |  |  |
Pass | 604 |  | 498 |  | 939 |  | 960 |  | 553 |  | 753 |  | — |  | 29 |  | 4,336 |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Accruing Substandard | 10 |  | 4 |  | — |  | — |  | — |  | 3 |  | — |  | — |  | 17 |
Nonaccrual | 3 |  | — |  | — |  | 5 |  | — |  | 3 |  | — |  | — |  | 11 |
Total municipal | 617 |  | 502 |  | 939 |  | 965 |  | 553 |  | 759 |  | — |  | 29 |  | 4,364 |
Leasing |  |  |  |  |  |  |  |  |
Pass | 109 |  | 79 |  | 94 |  | 26 |  | 12 |  | 36 |  | — |  | — |  | 356 |
Special Mention | — |  | — |  | 2 |  | — |  | — |  | — |  | — |  | — |  | 2 |
Accruing Substandard | 1 |  | 3 |  | 10 |  | 2 |  | 1 |  | — |  | — |  | — |  | 17 |
Nonaccrual | — |  | 1 |  | 1 |  | — |  | — |  | — |  | — |  | — |  | 2 |
Total leasing | 110 |  | 83 |  | 107 |  | 28 |  | 13 |  | 36 |  | — |  | — |  | 377 |
Total commercial | 4,715 |  | 3,552 |  | 4,551 |  | 3,558 |  | 1,911 |  | 3,796 |  | 8,630 |  | 252 |  | 30,965 |
Commercial real estate: |  |  |  |  |  |  |  |  |
Term |  |  |  |  |  |  |
Pass | 1,687 |  | 1,198 |  | 2,093 |  | 1,278 |  | 1,053 |  | 1,608 |  | 254 |  | 175 |  | 9,346 |
Special Mention | 48 |  | — |  | 87 |  | — |  | — |  | 5 |  | — |  | — |  | 140 |
Accruing Substandard | 298 |  | 105 |  | 443 |  | 144 |  | 13 |  | 102 |  | 27 |  | 26 |  | 1,158 |
Nonaccrual | — |  | — |  | 23 |  | — |  | — |  | 10 |  | — |  | 26 |  | 59 |
Total term | 2,033 |  | 1,303 |  | 2,646 |  | 1,422 |  | 1,066 |  | 1,725 |  | 281 |  | 227 |  | 10,703 |
Construction and land development |  |  |  |  |  |  |  |
Pass | 361 |  | 701 |  | 445 |  | 4 |  | 1 |  | 9 |  | 680 |  | 52 |  | 2,253 |
Special Mention | — |  | 22 |  | 21 |  | 17 |  | — |  | — |  | — |  | 25 |  | 85 |
Accruing Substandard | 57 |  | 52 |  | 249 |  | 78 |  | — |  | — |  | — |  | — |  | 436 |
Nonaccrual | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total construction and land development | 418 |  | 775 |  | 715 |  | 99 |  | 1 |  | 9 |  | 680 |  | 77 |  | 2,774 |
Total commercial real estate | 2,451 |  | 2,078 |  | 3,361 |  | 1,521 |  | 1,067 |  | 1,734 |  | 961 |  | 304 |  | 13,477 |
| December 31, 2024
| Term loans | Revolving loans amortized cost basis | Revolving loans converted to term loans amortized cost basis |
| Amortized cost basis by year of origination |
(In millions) | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Total
Consumer: |  |  |  |  |  |  |  |  |
1-4 family residential |  |  |  |  |  |  |  |  |
Pass | $ | 1,062 |  | $ | 870 |  | $ | 2,959 |  | $ | 1,877 |  | $ | 925 |  | $ | 2,197 |  | $ | — |  | $ | — |  | $ | 9,890 |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Accruing Substandard | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Nonaccrual | — |  | 3 |  | 8 |  | 9 |  | 2 |  | 27 |  | — |  | — |  | 49 |
Total 1-4 family residential | 1,062 |  | 873 |  | 2,967 |  | 1,886 |  | 927 |  | 2,224 |  | — |  | — |  | 9,939 |
Home equity credit line |  |  |  |  |  |  |  |  |
Pass | — |  | — |  | — |  | — |  | — |  | — |  | 3,506 |  | 99 |  | 3,605 |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Accruing Substandard | — |  | — |  | — |  | — |  | — |  | — |  | 6 |  | — |  | 6 |
Nonaccrual | — |  | — |  | — |  | — |  | — |  | — |  | 22 |  | 8 |  | 30 |
Total home equity credit line | — |  | — |  | — |  | — |  | — |  | — |  | 3,534 |  | 107 |  | 3,641 |
Construction and other consumer real estate |  |  |  |  |  |  |
Pass | 157 |  | 191 |  | 420 |  | 34 |  | 5 |  | 3 |  | — |  | — |  | 810 |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Accruing Substandard | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Nonaccrual | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total construction and other consumer real estate | 157 |  | 191 |  | 420 |  | 34 |  | 5 |  | 3 |  | — |  | — |  | 810 |
Bankcard and other revolving plans |  |  |  |  |  |  |  |
Pass | — |  | — |  | — |  | — |  | — |  | — |  | 453 |  | 1 |  | 454 |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Accruing Substandard | — |  | — |  | — |  | — |  | — |  | — |  | 2 |  | — |  | 2 |
Nonaccrual | — |  | — |  | — |  | — |  | — |  | — |  | 1 |  | — |  | 1 |
Total bankcard and other revolving plans | — |  | — |  | — |  | — |  | — |  | — |  | 456 |  | 1 |  | 457 |
Other consumer |  |  |  |  |  |  |  |  |
Pass | 52 |  | 35 |  | 22 |  | 8 |  | 2 |  | 2 |  | — |  | — |  | 121 |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Accruing Substandard | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Nonaccrual | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total other consumer | 52 |  | 35 |  | 22 |  | 8 |  | 2 |  | 2 |  | — |  | — |  | 121 |
Total consumer | 1,271 |  | 1,099 |  | 3,409 |  | 1,928 |  | 934 |  | 2,229 |  | 3,990 |  | 108 |  | 14,968 |
Total loans | $ | 8,437 |  | $ | 6,729 |  | $ | 11,321 |  | $ | 7,007 |  | $ | 3,912 |  | $ | 7,759 |  | $ | 13,581 |  | $ | 664 |  | $ | 59,410 |
The following schedules present gross charge-offs by year of loan origination for the periods presented.
| Three Months Ended June 30, 2025
| Term loans | Revolving loans gross charge-offs | Revolving loans converted to term loans gross charge-offs |
| Gross charge-offs by year of loan origination |
(In millions) | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Total
Commercial: |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  | $ | 1 |  | $ | 1 |  | $ | 1 |  | $ | 2 |  | $ | 1 |  | $ | 6 |  | $ | — |  | $ | 12 |
Commercial real estate: |  |  |  |  |  |  |  |  |
Term | 1 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | 1 |
Consumer: |  |  |  |  |  |  |  |  |
1-4 family residential | — |  | — |  | — |  | — |  | — |  | 1 |  | — |  | — |  | 1 |
Bankcard and other revolving plans | — |  | — |  | — |  | — |  | — |  | — |  | 2 |  | — |  | 2 |
Total consumer | — |  | — |  | — |  | — |  | — |  | 1 |  | 2 |  | — |  | 3 |
Total gross charge-offs | $ | 1 |  | $ | 1 |  | $ | 1 |  | $ | 1 |  | $ | 2 |  | $ | 2 |  | $ | 8 |  | $ | — |  | $ | 16 |
| Six Months Ended June 30, 2025
| Term loans | Revolving loans gross charge-offs | Revolving loans converted to term loans gross charge-offs |
| Gross charge-offs by year of loan origination |
(In millions) | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Total
Commercial: |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  | $ | 1 |  | $ | 2 |  | $ | 1 |  | $ | 3 |  | $ | 11 |  | $ | 13 |  | $ | — |  | $ | 31 |
Commercial real estate: |  |  |  |  |  |  |  |  |
Term | 1 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | 1 |
Consumer: |  |  |  |  |  |  |  |  |
1-4 family residential | — |  | — |  | — |  | — |  | 1 |  | 2 |  | — |  | — |  | 3 |
Home equity credit line | — |  | — |  | — |  | — |  | — |  | — |  | 1 |  | — |  | 1 |
Bankcard and other revolving plans | — |  | — |  | — |  | — |  | — |  | — |  | 4 |  | — |  | 4 |
Total consumer | — |  | — |  | — |  | — |  | 1 |  | 2 |  | 5 |  | — |  | 8 |
Total gross charge-offs | $ | 1 |  | $ | 1 |  | $ | 2 |  | $ | 1 |  | $ | 4 |  | $ | 13 |  | $ | 18 |  | $ | — |  | $ | 40 |
| Three Months Ended June 30, 2024
| Term loans | Revolving loans gross charge-offs | Revolving loans converted to term loans gross charge-offs |
| Gross charge-offs by year of loan origination |
(In millions) | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Total
Commercial: |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  | $ | 1 |  | $ | 1 |  | $ | 1 |  | $ | — |  | $ | 3 |  | $ | 2 |  | $ | — |  | $ | 8 |
Commercial real estate: |  |  |  |  |  |  |  |  |
Term | — |  | 7 |  | 4 |  | — |  | — |  | — |  | — |  | — |  | 11 |
Consumer: |  |  |  |  |  |  |  |  |
Bankcard and other revolving plans | — |  | — |  | — |  | — |  | — |  | — |  | 2 |  | — |  | 2 |
Total gross charge-offs | $ | — |  | $ | 8 |  | $ | 5 |  | $ | 1 |  | $ | — |  | $ | 3 |  | $ | 4 |  | $ | — |  | $ | 21 |
| Six Months Ended June 30, 2024
| Term loans | Revolving loans gross charge-offs | Revolving loans converted to term loans gross charge-offs |
| Gross charge-offs by year of loan origination |
(In millions) | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Total
Commercial: |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  | $ | 2 |  | $ | 4 |  | $ | 2 |  | $ | — |  | $ | 3 |  | $ | 6 |  | $ | 1 |  | $ | 18 |
Commercial real estate: |  |  |  |  |  |  |  |  |
Term | — |  | 7 |  | 4 |  | — |  | — |  | — |  | — |  | — |  | 11 |
Consumer: |  |  |  |  |  |  |  |  |
1-4 family residential | — |  | — |  | — |  | — |  | — |  | 1 |  | — |  | — |  | 1 |
Bankcard and other revolving plans | — |  | — |  | — |  | — |  | — |  | — |  | 4 |  | — |  | 4 |
Other | — |  | — |  | — |  | — |  | — |  | 1 |  | — |  | — |  | 1 |
Total consumer | — |  | — |  | — |  | — |  | — |  | 2 |  | 4 |  | — |  | 6 |
Total gross charge-offs | $ | — |  | $ | 9 |  | $ | 8 |  | $ | 2 |  | $ | — |  | $ | 5 |  | $ | 10 |  | $ | 1 |  | $ | 35 |
Summary of TDRs (Accruing and Nonaccruing) Categorized by Loan Class and Modification Type | The amortized cost of loans to borrowers experiencing financial difficulty that were modified during the period, by loan class and modification type, is summarized in the following schedule:
| Three Months Ended June 30, 2025
| Amortized cost associated with the following modification types: |  |  |  |
(Dollar amounts in millions) | Interest rate reduction |  | Maturity or term extension |  | Principal forgiveness |  | Payment deferral |  |  |  | Multiple modification types 1 |  | Total 2 |  | Percentage of total loans 3
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  |  | $ | 45 |  |  | $ | — |  |  | $ | — |  |  |  |  | $ | — |  |  | $ | 45 |  |  | 0.3 | %
Owner-occupied | — |  |  | 1 |  |  | — |  |  | — |  |  |  |  | — |  |  | 1 |  |  | — |
Total commercial | — |  |  | 46 |  |  | — |  |  | — |  |  |  |  | — |  |  | 46 |  |  | 0.1 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Term | — |  |  | 180 |  |  | — |  |  | — |  |  |  |  | 7 |  |  | 187 |  |  | 1.7 |
Construction and land development | — |  |  | 25 |  |  | — |  |  | — |  |  |  |  | — |  |  | 25 |  |  | 1.0 |
Total commercial real estate | — |  |  | 205 |  |  | — |  |  | — |  |  |  |  | 7 |  |  | 212 |  |  | 1.6 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential | — |  |  | — |  |  | — |  |  | — |  |  |  |  | 1 |  |  | 1 |  |  | — |
Total | $ | — |  |  | $ | 251 |  |  | $ | — |  |  | $ | — |  |  |  |  | $ | 8 |  |  | $ | 259 |  |  | 0.4 |
| Six Months Ended June 30, 2025
| Amortized cost associated with the following modification types: |  |  |  |
(Dollar amounts in millions) | Interest rate reduction |  | Maturity or term extension |  | Principal forgiveness |  | Payment deferral |  | Multiple modification types 1 |  | Total 2 |  | Percentage of total loans 3
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  |  | $ | 67 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 67 |  |  | 0.4 | %
Owner-occupied | — |  |  | 5 |  |  | — |  |  | — |  |  | — |  |  | 5 |  |  | 0.1 |
Total commercial | — |  |  | 72 |  |  | — |  |  | — |  |  | — |  |  | 72 |  |  | 0.2 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Term | — |  |  | 301 |  |  | — |  |  | 8 |  |  | 7 |  |  | 316 |  |  | 2.8 |
Construction and land development | — |  |  | 25 |  |  | — |  |  | — |  |  | — |  |  | 25 |  |  | 1.0 |
Total commercial real estate | — |  |  | 326 |  |  | — |  |  | 8 |  |  | 7 |  |  | 341 |  |  | 2.5 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential | — |  |  | — |  |  | — |  |  | — |  |  | 7 |  |  | 7 |  |  | 0.1 |
Total | $ | — |  |  | $ | 398 |  |  | $ | — |  |  | $ | 8 |  |  | $ | 14 |  |  | $ | 420 |  |  | 0.7 |
| Three Months Ended June 30, 2024
| Amortized cost associated with the following modification types: |  |  |  |
(Dollar amounts in millions) | Interest rate reduction |  | Maturity or term extension |  | Principal forgiveness |  | Payment deferral |  |  |  | Multiple modification types 1 |  | Total 2 |  | Percentage of total loans 3
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  |  | $ | 27 |  |  | $ | — |  |  | $ | — |  |  |  |  | $ | 1 |  |  | $ | 28 |  |  | 0.2 | %
Owner-occupied | — |  |  | 2 |  |  | — |  |  | — |  |  |  |  | — |  |  | 2 |  |  | — |
Total commercial | — |  |  | 29 |  |  | — |  |  | — |  |  |  |  | 1 |  |  | 30 |  |  | 0.1 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Term | — |  |  | 16 |  |  | — |  |  | — |  |  |  |  | — |  |  | 16 |  |  | 0.1 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential | — |  |  | — |  |  | 1 |  |  | — |  |  |  |  | — |  |  | 1 |  |  | — |
Total | $ | — |  |  | $ | 45 |  |  | $ | 1 |  |  | $ | — |  |  |  |  | $ | 1 |  |  | $ | 47 |  |  | 0.1 |
| Six Months Ended June 30, 2024
| Amortized cost associated with the following modification types: |  |  |  |
(Dollar amounts in millions) | Interest rate reduction |  | Maturity or term extension |  | Principal forgiveness |  | Payment deferral |  | Multiple modification types 1 |  | Total 2 |  | Percentage of total loans 3
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  |  | $ | 55 |  |  | $ | — |  |  | $ | 1 |  |  | $ | 4 |  |  | $ | 60 |  |  | 0.4 | %
Owner-occupied | — |  |  | 2 |  |  | — |  |  | — |  |  | 2 |  |  | 4 |  |  | — |
Municipal | — |  |  | 3 |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 0.1 |
Total commercial | — |  |  | 60 |  |  | — |  |  | 1 |  |  | 6 |  |  | 67 |  |  | 0.2 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Term | — |  |  | 103 |  |  | — |  |  | — |  |  | — |  |  | 103 |  |  | 1.0 |
Construction and land development | — |  |  | 2 |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 0.1 |
Total commercial real estate | — |  |  | 105 |  |  | — |  |  | — |  |  | — |  |  | 105 |  |  | 0.8 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential | — |  |  | — |  |  | 2 |  |  | — |  |  | 2 |  |  | 4 |  |  | — |
Home equity credit line | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 1 |  |  | — |
Total consumer | — |  |  | — |  |  | 2 |  |  | — |  |  | 3 |  |  | 5 |  |  | — |
Total | $ | — |  |  | $ | 165 |  |  | $ | 2 |  |  | $ | 1 |  |  | $ | 9 |  |  | $ | 177 |  |  | 0.3 |
1 Includes modifications that resulted from a combination of interest rate reduction, maturity or term extension, principal forgiveness, and payment deferral modifications. 2 Unfunded lending commitments related to loans modified to borrowers experiencing financial difficulty totaled $38 million and $10 million at June 30, 2025 and June 30, 2024, respectively. 3 Amounts less than 0.05% are rounded to zero. The financial impact of loan modifications to borrowers experiencing financial difficulty is summarized in the following schedules:
| Three Months Ended June 30, 2025 |  | Six Months Ended June 30, 2025 |  |
| Weighted-average interest rate reduction (in percentage points) |  | Weighted-average term extension (in months) |  | Weighted-average interest rate reduction (in percentage points) |  | Weighted-average term extension (in months) |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | — | % |  | 15 |  | — | % |  | 13 |  |  |  |  |  |  |  |
Owner-occupied | — |  |  | 3 |  | — |  |  | 89 |  |  |  |  |  |  |  |
Total commercial | — |  |  | 14 |  | — |  |  | 18 |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Term | 0.1 |  |  | 10 |  | 0.1 |  |  | 10 |  |  |  |  |  |  |  |
Construction and land development | — |  |  | 9 |  | — |  |  | 9 |  |  |  |  |  |  |  |
Total commercial real estate | 0.1 |  |  | 9 |  | 0.1 |  |  | 10 |  |  |  |  |  |  |  |
Consumer:1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential | — |  |  | 3 |  | — |  |  | 3 |  |  |  |  |  |  |  |
Total consumer | — |  |  | 3 |  | — |  |  | 3 |  |  |  |  |  |  |  |
Total weighted average financial impact | 0.1 |  |  | 10 |  | 0.1 |  |  | 11 |  |  |  |  |  |  |  |
| Three Months Ended June 30, 2024 |  | Six Months Ended June 30, 2024
| Weighted-average interest rate reduction (in percentage points) |  | Weighted-average term extension (in months) |  | Weighted-average interest rate reduction (in percentage points) |  | Weighted-average term extension (in months)
Commercial: |  |  |  |  |  |  |
Commercial and industrial | 0.6 | % |  | 3 |  | 0.1 | % |  | 8
Owner-occupied | — |  |  | 1 |  | 0.1 |  |  | 4
Municipal | — |  |  | 0 |  | — |  |  | 61
Total commercial | 0.6 |  |  | 3 |  | 0.1 |  |  | 10
Commercial real estate: |  |  |  |  |  |  |
Term | — |  |  | 3 |  | — |  |  | 11
Construction and land development | — |  |  | 5 |  | — |  |  | 14
Total commercial real estate | — |  |  | 3 |  | — |  |  | 11
Consumer:1 |  |  |  |  |  |  |
1-4 family residential | — |  |  | 0 |  | 1.3 |  |  | 78
Home equity credit line | — |  |  | 0 |  | 6.8 |  |  | 42
Other | — |  |  | 0 |  | — |  |  | 71
Total consumer | — |  |  | 0 |  | 4.8 |  |  | 67
Total weighted average financial impact | 0.6 |  |  | 3 |  | 1.0 |  |  | 12
1 Primarily relates to a small number of loans within each consumer loan class. The following schedule presents the aging of loans to borrowers experiencing financial difficulty that were modified on or after July 1, 2024 through June 30, 2025, presented by portfolio segment and loan class:
| June 30, 2025
(In millions) | Current |  | 30-89 days past due |  | 90+ days past due |  | Total past due |  | Total amortized cost of loans
Commercial: |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 63 |  |  | $ | 1 |  |  | $ | 3 |  |  | $ | 4 |  |  | $ | 67 |
Owner-occupied | 4 |  |  | 1 |  |  | — |  |  | 1 |  |  | 5 |
Total commercial | 67 |  |  | 2 |  |  | 3 |  |  | 5 |  |  | 72 |
Commercial real estate: |  |  |  |  |  |  |  |  |
Term | 306 |  |  | — |  |  | 10 |  |  | 10 |  |  | 316 |
Construction and land development | 25 |  |  | — |  |  | — |  |  | — |  |  | 25 |
Total commercial real estate | 331 |  |  | — |  |  | 10 |  |  | 10 |  |  | 341 |
Consumer: |  |  |  |  |  |  |  |  |
1-4 family residential | 6 |  |  | — |  |  | 1 |  |  | 1 |  |  | 7 |
Total | $ | 404 |  |  | $ | 2 |  |  | $ | 14 |  |  | $ | 16 |  |  | $ | 420 |
The following schedule presents the aging of loans to borrowers experiencing financial difficulty that were modified on or after July 1, 2023 through June 30, 2024, presented by portfolio segment and loan class:
| June 30, 2024
(In millions) | Current |  | 30-89 days past due |  | 90+ days past due |  | Total past due |  | Total amortized cost of loans
Commercial: |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 83 |  |  | $ | 1 |  |  | $ | 4 |  |  | $ | 5 |  |  | $ | 88 |
Owner-occupied | 8 |  |  | — |  |  | — |  |  | — |  |  | 8 |
Municipal | 11 |  |  | — |  |  | — |  |  | — |  |  | 11 |
Total commercial | 102 |  |  | 1 |  |  | 4 |  |  | 5 |  |  | 107 |
Commercial real estate: |  |  |  |  |  |  |  |  |
Term | 156 |  |  | 26 |  |  | 2 |  |  | 28 |  |  | 184 |
Construction and land development | 19 |  |  | — |  |  | 2 |  |  | 2 |  |  | 21 |
Total commercial real estate | 175 |  |  | 26 |  |  | 4 |  |  | 30 |  |  | 205 |
Consumer: |  |  |  |  |  |  |  |  |
1-4 family residential | 4 |  |  | — |  |  | — |  |  | — |  |  | 4 |
Home equity credit line | 1 |  |  | — |  |  | — |  |  | — |  |  | 1 |
Other | 1 |  |  | — |  |  | — |  |  | — |  |  | 1 |
Total consumer | 6 |  |  | — |  |  | — |  |  | — |  |  | 6 |
Total | $ | 283 |  |  | $ | 27 |  |  | $ | 8 |  |  | $ | 35 |  |  | $ | 318 |
Summary of Collateral-Dependent Loans | Select information on loans for which the borrower is experiencing financial difficulties and repayment is expected to be provided substantially through the operation or sale of the underlying collateral, including the type of collateral and the extent to which the collateral secures the loans, is summarized as follows:
| June 30, 2025
(Dollar amounts in millions) | Amortized cost |  | Major types of collateral |  | Weighted average LTV 1
Commercial: |  |  |  |  |
Commercial and industrial | $ | 1 |  |  | Equipment and machinery |  | 101%
Owner-occupied | 9 |  |  | Industrial building |  | 56%
Municipal | 5 |  |  | Multifamily apartments |  | 169%
Commercial real estate: |  |  |  |  |
Term | 51 |  |  | Office building |  | 96%
Consumer: |  |  |  |  |
1-4 family residential | 3 |  |  | Single family residential |  | 48%
Total | $ | 69 |  |  |  |  |
| December 31, 2024
(Dollar amounts in millions) | Amortized cost |  | Major types of collateral |  | Weighted average LTV 1
Commercial: |  |  |  |  |
Owner occupied | $ | 6 |  |  | Retail facility |  | 64%
Municipal | 5 |  |  | Multifamily apartments |  | 174%
Commercial real estate: |  |  |  |  |
Term | 49 |  |  | Office building |  | 98%
Consumer: |  |  |  |  |
1-4 family residential | 3 |  |  | Single family residential |  | 38%
Home equity credit line | 3 |  |  | Single family residential |  | 29%
Total | $ | 66 |  |  |  |  |
1 The fair value is based on the most recent appraisal or other collateral evaluation.

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