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v3.26.1

Loans And Allowance For Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2026
Receivables [Abstract] |
Summary Classification Of Held For Investment Loan Portfolio | Major classifications within the Company’s held for investment loan portfolio at March 31, 2026 and December 31, 2025 are as follows:
(In thousands) | March 31, 2026 |  | December 31, 2025
Commercial: |  |  |
Business | $ | 6,750,356 |  |  | $ | 6,439,380 |
Real estate – construction and land | 1,581,789 |  |  | 1,438,012 |
Real estate – business | 4,059,539 |  |  | 3,674,567 |
Personal Banking: |  |  |
Real estate – personal | 4,407,606 |  |  | 3,053,435 |
Consumer | 2,475,353 |  |  | 2,196,822 |
Revolving home equity | 619,178 |  |  | 375,159 |
Consumer credit card | 557,733 |  |  | 589,694 |
Overdrafts | 9,510 |  |  | 4,194 |
Total loans | $ | 20,461,064 |  |  | $ | 17,771,263 |
CECL Model Inputs | Key assumptions in the Company’s allowance for credit loss model include the economic forecast, the reasonable and supportable period, forecasted macro-economic variables, prepayment assumptions and qualitative factors applied for portfolio composition changes, underwriting practices, or significant unique events or conditions. The assumptions utilized in estimating the Company’s allowance for credit losses at March 31, 2026 and December 31, 2025 are discussed below.
Key Assumption | March 31, 2026 | December 31, 2025
Overall economic forecast | •Economy expected to slow but continue to expand •Slightly increased unemployment due to reduced hiring •Inflation remains elevated •Assumes conflict in the Middle East will deescalate in the near term | •Increased GDP due to expected increases in consumer spending •Stable unemployment •Higher rates and volatility are expected to continue
Reasonable and supportable period and related reversion period | •Reasonable and supportable period of one year •Reversion to historical average loss rates within two quarters using a straight-line method | •Reasonable and supportable period of one year •Reversion to historical average loss rates within two quarters using a straight-line method
Forecasted macro-economic variables | •Unemployment rate ranges from 4.4% to 4.5% during the supportable forecast period •Real GDP growth ranges from 1.9% to 2.4% •Housing Price Index from 328.4 to 333.8 •Commercial Real Estate Price Index from 308.8 to 320.4 •CPI inflation rate from 2.8% to 3.9% | •Unemployment rate ranges from 4.3% to 4.5% during the supportable forecast period •Real GDP growth ranges from 2.1% to 2.8% •Housing Price Index from 324.9 to 329.7 •Commercial Real Estate Price Index from 292.5 to 305.6 •CPI inflation rate from 2.1% to 2.6%
Prepayment assumptions | Commercial loans •5% for most loan pools Personal banking loans •Ranging from 9.4% to 24.6% for most loan pools •Consumer credit cards 67.1% | Commercial loans •5% for most loan pools Personal banking loans •Ranging from 8.7% to 24.7% for most loan pools •Consumer credit cards 66.9%
Qualitative factors | Added qualitative factors related to: •Changes in the composition of the loan portfolios •Certain industries experiencing stress or emerging concerns within the portfolio •Loans downgraded to special mention, substandard, or non-accrual status •Auto, other vehicle and other consumer portfolios loss expectation adjustment •Certain portfolios where the model assumptions do not capture all identified loss risk | Added qualitative factors related to: •Changes in the composition of the loan portfolios •Certain industries experiencing stress or emerging concerns within the portfolio •Loans downgraded to special mention, substandard, or non-accrual status •Auto, other vehicle and other consumer portfolios loss expectation adjustment •Certain portfolios where the model assumptions do not capture all identified loss risk
Summary Of Activity In The Allowance For Credit Losses | A summary of the activity in the allowance for credit losses on loans and the liability for unfunded lending commitments for the three months ended March 31, 2026 and 2025, respectively, follows:
|  |  | For the Three Months Ended March 31, 2026
(In thousands) |  |  |  |  | Commercial | Personal Banking | Total
ALLOWANCE FOR CREDIT LOSSES ON LOANS |  |  |  |  |  |  |
Balance at end of prior period |  |  |  |  | $ | 116,865 |  | $ | 62,603 |  | $ | 179,468 |
Initial allowance for credit losses on purchased credit deteriorated loans at acquisition |  |  |  |  | 1,533 |  | 1,424 |  | 2,957 |
Initial allowance for credit losses on purchased seasoned loans at acquisition |  |  |  |  | 7,722 |  | 12,149 |  | 19,871 |
Provision for credit losses on loans |  |  |  |  | 4,763 |  | 6,520 |  | 11,283 |
Deductions: |  |  |  |  |  |  |
Loans charged off |  |  |  |  | 5,799 |  | 11,418 |  | 17,217 |
Less recoveries on loans |  |  |  |  | 153 |  | 2,090 |  | 2,243 |
Net loan charge-offs (recoveries) |  |  |  |  | 5,646 |  | 9,328 |  | 14,974 |
Balance March 31, 2026 |  |  |  |  | $ | 125,237 |  | $ | 73,368 |  | $ | 198,605 |
LIABILITY FOR UNFUNDED LENDING COMMITMENTS |  |  |  |  |  |  |
Balance at end of prior period |  |  |  |  | $ | 16,539 |  | $ | 1,121 |  | $ | 17,660 |
Initial allowance for credit loss at acquisition |  |  |  |  | 362 |  | — |  | 362 |
Provision for credit losses on unfunded lending commitments |  |  |  |  | (335) |  | 12 |  | (323) |
Balance March 31, 2026 |  |  |  |  | $ | 16,566 |  | $ | 1,133 |  | $ | 17,699 |
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LIABILITY FOR UNFUNDED LENDING COMMITMENTS |  |  |  |  | $ | 141,803 |  | $ | 74,501 |  | $ | 216,304 |
|  |  | For the Three Months Ended March 31, 2025
(In thousands) |  |  |  |  | Commercial | Personal Banking | Total
ALLOWANCE FOR CREDIT LOSSES ON LOANS |  |  |  |  |  |  |
Balance at beginning of period |  |  |  |  | $ | 106,769 |  | $ | 55,973 |  | $ | 162,742 |
Provision for credit losses on loans |  |  |  |  | 354 |  | 14,741 |  | 15,095 |
Deductions: |  |  |  |  |  |  |
Loans charged off |  |  |  |  | 726 |  | 12,567 |  | 13,293 |
Less recoveries on loans |  |  |  |  | 303 |  | 2,184 |  | 2,487 |
Net loan charge-offs (recoveries) |  |  |  |  | 423 |  | 10,383 |  | 10,806 |
Balance March 31, 2025 |  |  |  |  | $ | 106,700 |  | $ | 60,331 |  | $ | 167,031 |
LIABILITY FOR UNFUNDED LENDING COMMITMENTS |  |  |  |  |  |  |
Balance at beginning of period |  |  |  |  | $ | 17,887 |  | $ | 1,048 |  | $ | 18,935 |
Provision for credit losses on unfunded lending commitments |  |  |  |  | (840) |  | 232 |  | (608) |
Balance March 31, 2025 |  |  |  |  | $ | 17,047 |  | $ | 1,280 |  | $ | 18,327 |
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LIABILITY FOR UNFUNDED LENDING COMMITMENTS |  |  |  |  | $ | 123,747 |  | $ | 61,611 |  | $ | 185,358 |
Aging Information On Past Due And Nonaccrual Loans | The following table provides aging information on the Company’s past due and accruing loans, in addition to the balances of loans on non-accrual status, at March 31, 2026 and December 31, 2025.
(In thousands) | Current or Less Than 30 Days Past Due | 30 – 89 Days Past Due | 90 Days Past Due and Still Accruing | Non-accrual | Total
March 31, 2026 |  |  |  |  |
Commercial: |  |  |  |  |
Business | $ | 6,745,956 |  | $ | 3,640 |  | $ | 559 |  | $ | 201 |  | $ | 6,750,356 |
Real estate – construction and land | 1,581,250 |  | 361 |  | 178 |  | — |  | 1,581,789 |
Real estate – business | 4,045,538 |  | 4,435 |  | 197 |  | 9,369 |  | 4,059,539 |
Personal Banking: |  |  |  |  |
Real estate – personal | 4,376,280 |  | 20,721 |  | 9,289 |  | 1,316 |  | 4,407,606 |
Consumer | 2,452,149 |  | 20,337 |  | 2,867 |  | — |  | 2,475,353 |
Revolving home equity | 614,338 |  | 3,453 |  | 1,353 |  | 34 |  | 619,178 |
Consumer credit card | 542,359 |  | 6,993 |  | 8,381 |  | — |  | 557,733 |
Overdrafts | 9,212 |  | 298 |  | — |  | — |  | 9,510 |
Total | $ | 20,367,082 |  | $ | 60,238 |  | $ | 22,824 |  | $ | 10,920 |  | $ | 20,461,064 |
December 31, 2025 |  |  |  |  |
Commercial: |  |  |  |  |
Business | $ | 6,437,476 |  | $ | 1,241 |  | $ | 540 |  | $ | 123 |  | $ | 6,439,380 |
Real estate – construction and land | 1,437,727 |  | 285 |  | — |  | — |  | 1,438,012 |
Real estate – business | 3,636,517 |  | 23,265 |  | — |  | 14,785 |  | 3,674,567 |
Personal Banking: |  |  |  |  |
Real estate – personal | 3,021,212 |  | 19,450 |  | 11,931 |  | 842 |  | 3,053,435 |
Consumer | 2,165,109 |  | 28,269 |  | 3,444 |  | — |  | 2,196,822 |
Revolving home equity | 373,245 |  | 1,493 |  | 421 |  | — |  | 375,159 |
Consumer credit card | 573,698 |  | 7,673 |  | 8,323 |  | — |  | 589,694 |
Overdrafts | 3,787 |  | 407 |  | — |  | — |  | 4,194 |
Total | $ | 17,648,771 |  | $ | 82,083 |  | $ | 24,659 |  | $ | 15,750 |  | $ | 17,771,263 |
Risk Category of Loans in Commercial Portfolio | The risk category of loans in the Commercial portfolio as of March 31, 2026 and December 31, 2025 are as follows:
| Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2026 | 2025 | 2024 | 2023 | 2022 | Prior | Revolving Loans Amortized Cost Basis | Total
March 31, 2026 |  |  |  |  |  |  |  |
Business |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |
Pass | $ | 440,569 |  | $ | 1,543,502 |  | $ | 805,900 |  | $ | 543,237 |  | $ | 398,031 |  | $ | 548,931 |  | $ | 2,254,771 |  | $ | 6,534,941 |
Special mention | — |  | 10,239 |  | 24 |  | 698 |  | 130 |  | 400 |  | 40,163 |  | 51,654 |
Substandard | — |  | 22,070 |  | 19,481 |  | 3,867 |  | 14,975 |  | 3,480 |  | 99,687 |  | 163,560 |
Non-accrual | — |  | 50 |  | 36 |  | 114 |  | — |  | 1 |  | — |  | 201 |
Total Business: | $ | 440,569 |  | $ | 1,575,861 |  | $ | 825,441 |  | $ | 547,916 |  | $ | 413,136 |  | $ | 552,812 |  | $ | 2,394,621 |  | $ | 6,750,356 |
Gross write-offs for the three months ended March 31, 2026 | $ | — |  | $ | — |  | $ | — |  | $ | 32 |  | $ | 55 |  | $ | 24 |  | $ | 272 |  | $ | 383 |
Real estate-construction |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |
Pass | $ | 156,781 |  | $ | 548,196 |  | $ | 325,625 |  | $ | 252,478 |  | $ | 171,259 |  | $ | 6,032 |  | $ | 23,424 |  | $ | 1,483,795 |
Special mention | — |  | 13,942 |  | — |  | 55,816 |  | — |  | — |  | — |  | 69,758 |
Substandard | — |  | — |  | — |  | 2,340 |  | 25,896 |  | — |  | — |  | 28,236 |
Total Real estate-construction: | $ | 156,781 |  | $ | 562,138 |  | $ | 325,625 |  | $ | 310,634 |  | $ | 197,155 |  | $ | 6,032 |  | $ | 23,424 |  | $ | 1,581,789 |
Gross write-offs for the three months ended March 31, 2026 | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |
Real estate-business |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |
Pass | $ | 329,613 |  | $ | 1,323,163 |  | $ | 424,020 |  | $ | 332,634 |  | $ | 527,246 |  | $ | 783,918 |  | $ | 166,110 |  | $ | 3,886,704 |
Special mention | — |  | 43,408 |  | 9,899 |  | 1,403 |  | 2,382 |  | 66 |  | 3,832 |  | 60,990 |
Substandard | — |  | 390 |  | 973 |  | 11,228 |  | 31,131 |  | 52,377 |  | 6,377 |  | 102,476 |
Non-accrual | — |  | — |  | — |  | — |  | 124 |  | 9,245 |  | — |  | 9,369 |
Total Real estate-business: | $ | 329,613 |  | $ | 1,366,961 |  | $ | 434,892 |  | $ | 345,265 |  | $ | 560,883 |  | $ | 845,606 |  | $ | 176,319 |  | $ | 4,059,539 |
Gross write-offs for the three months ended March 31, 2026 | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 5,416 |  | $ | — |  | $ | 5,416 |
Commercial loans |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |
Pass | $ | 926,963 |  | $ | 3,414,861 |  | $ | 1,555,545 |  | $ | 1,128,349 |  | $ | 1,096,536 |  | $ | 1,338,881 |  | $ | 2,444,305 |  | $ | 11,905,440 |
Special mention | — |  | 67,589 |  | 9,923 |  | 57,917 |  | 2,512 |  | 466 |  | 43,995 |  | 182,402 |
Substandard | — |  | 22,460 |  | 20,454 |  | 17,435 |  | 72,002 |  | 55,857 |  | 106,064 |  | 294,272 |
Non-accrual | — |  | 50 |  | 36 |  | 114 |  | 124 |  | 9,246 |  | — |  | 9,570 |
Total Commercial loans: | $ | 926,963 |  | $ | 3,504,960 |  | $ | 1,585,958 |  | $ | 1,203,815 |  | $ | 1,171,174 |  | $ | 1,404,450 |  | $ | 2,594,364 |  | $ | 12,391,684 |
Gross write-offs for the three months ended March 31, 2026 | $ | — |  | $ | — |  | $ | — |  | $ | 32 |  | $ | 55 |  | $ | 5,440 |  | $ | 272 |  | $ | 5,799 |
| Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Revolving Loans Amortized Cost Basis | Total
December 31, 2025 |  |  |  |  |  |  |  |
Business |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |
Pass | $ | 1,704,299 |  | $ | 847,973 |  | $ | 568,361 |  | $ | 416,732 |  | $ | 252,398 |  | $ | 336,662 |  | $ | 2,129,247 |  | $ | 6,255,672 |
Special mention | 13,410 |  | 4,149 |  | 2,661 |  | 1,536 |  | 893 |  | 1,375 |  | 47,568 |  | 71,592 |
Substandard | 96 |  | 619 |  | 4,713 |  | 15,957 |  | 4,016 |  | 519 |  | 86,073 |  | 111,993 |
Non-accrual | — |  | 49 |  | 32 |  | 42 |  | — |  | — |  | — |  | 123 |
Total Business: | $ | 1,717,805 |  | $ | 852,790 |  | $ | 575,767 |  | $ | 434,267 |  | $ | 257,307 |  | $ | 338,556 |  | $ | 2,262,888 |  | $ | 6,439,380 |
Gross write-offs for the year ended December 31, 2025 | $ | — |  | $ | 389 |  | $ | 116 |  | $ | 165 |  | $ | 2 |  | $ | 10 |  | $ | 1,423 |  | $ | 2,105 |
Real estate-construction |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |
Pass | $ | 450,046 |  | $ | 283,778 |  | $ | 379,456 |  | $ | 239,314 |  | $ | 3,857 |  | $ | 2,860 |  | $ | 18,109 |  | $ | 1,377,420 |
Special mention | 14,104 |  | — |  | — |  | — |  | — |  | — |  | — |  | 14,104 |
Substandard | — |  | — |  | 2,365 |  | 25,875 |  | 18,248 |  | — |  | — |  | 46,488 |
Total Real estate-construction: | $ | 464,150 |  | $ | 283,778 |  | $ | 381,821 |  | $ | 265,189 |  | $ | 22,105 |  | $ | 2,860 |  | $ | 18,109 |  | $ | 1,438,012 |
Gross write-offs for the year ended December 31, 2025 | $ | — |  | $ | 40 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 40 |
Real estate- business |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |
Pass | $ | 1,334,661 |  | $ | 426,130 |  | $ | 309,409 |  | $ | 462,953 |  | $ | 359,933 |  | $ | 389,275 |  | $ | 166,209 |  | $ | 3,448,570 |
Special mention | 58,905 |  | 27,423 |  | 3,572 |  | 12,221 |  | 965 |  | 1,965 |  | 31 |  | 105,082 |
Substandard | — |  | 1,884 |  | 6,646 |  | 26,960 |  | 13,423 |  | 50,821 |  | 6,396 |  | 106,130 |
Non-accrual | — |  | — |  | — |  | 124 |  | 153 |  | 14,508 |  | — |  | 14,785 |
Total Real-estate business: | $ | 1,393,566 |  | $ | 455,437 |  | $ | 319,627 |  | $ | 502,258 |  | $ | 374,474 |  | $ | 456,569 |  | $ | 172,636 |  | $ | 3,674,567 |
Gross write-offs for the year ended December 31, 2025 | $ | — |  | $ | — |  | $ | 400 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 400 |
Commercial loans |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |
Pass | $ | 3,489,006 |  | $ | 1,557,881 |  | $ | 1,257,226 |  | $ | 1,118,999 |  | $ | 616,188 |  | $ | 728,797 |  | $ | 2,313,565 |  | $ | 11,081,662 |
Special mention | 86,419 |  | 31,572 |  | 6,233 |  | 13,757 |  | 1,858 |  | 3,340 |  | 47,599 |  | 190,778 |
Substandard | 96 |  | 2,503 |  | 13,724 |  | 68,792 |  | 35,687 |  | 51,340 |  | 92,469 |  | 264,611 |
Non-accrual | — |  | 49 |  | 32 |  | 166 |  | 153 |  | 14,508 |  | — |  | 14,908 |
Total Commercial loans: | $ | 3,575,521 |  | $ | 1,592,005 |  | $ | 1,277,215 |  | $ | 1,201,714 |  | $ | 653,886 |  | $ | 797,985 |  | $ | 2,453,633 |  | $ | 11,551,959 |
Gross write-offs for the year ended December 31, 2025 | $ | — |  | $ | 429 |  | $ | 516 |  | $ | 165 |  | $ | 2 |  | $ | 10 |  | $ | 1,423 |  | $ | 2,545 |
Risk Category of Loans in Personal Banking Portfolio | The credit quality of Personal Banking loans is monitored primarily on the basis of aging/delinquency, and this information is provided as of March 31, 2026 and December 31, 2025 below.
| Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2026 | 2025 | 2024 | 2023 | 2022 | Prior | Revolving Loans Amortized Cost Basis | Total
March 31, 2026 |  |  |  |  |  |  |  |
Real estate-personal |  |  |  |  |  |  |  |
Current to 90 days past due | $ | 153,432 |  | $ | 630,463 |  | $ | 427,638 |  | $ | 462,502 |  | $ | 611,820 |  | $ | 2,100,252 |  | $ | 10,894 |  | $ | 4,397,001 |
Over 90 days past due | — |  | — |  | 480 |  | 1,610 |  | 2,614 |  | 4,585 |  | — |  | 9,289 |
Non-accrual | — |  | — |  | 3 |  | — |  | — |  | 1,313 |  | — |  | 1,316 |
Total Real estate-personal: | $ | 153,432 |  | $ | 630,463 |  | $ | 428,121 |  | $ | 464,112 |  | $ | 614,434 |  | $ | 2,106,150 |  | $ | 10,894 |  | $ | 4,407,606 |
Gross write-offs for the three months ended March 31, 2026 | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 7 |  | $ | — |  | $ | 7 |
Consumer |  |  |  |  |  |  |  |
Current to 90 days past due | $ | 136,277 |  | $ | 492,593 |  | $ | 212,510 |  | $ | 218,205 |  | $ | 122,293 |  | $ | 141,885 |  | $ | 1,148,723 |  | $ | 2,472,486 |
Over 90 days past due | — |  | 266 |  | 304 |  | 306 |  | 146 |  | 214 |  | 1,631 |  | 2,867 |
Total Consumer: | $ | 136,277 |  | $ | 492,859 |  | $ | 212,814 |  | $ | 218,511 |  | $ | 122,439 |  | $ | 142,099 |  | $ | 1,150,354 |  | $ | 2,475,353 |
Gross write-offs for the three months ended March 31, 2026 | $ | — |  | $ | 412 |  | $ | 593 |  | $ | 580 |  | $ | 256 |  | $ | 138 |  | $ | 584 |  | $ | 2,563 |
Revolving home equity |  |  |  |  |  |  |  |
Current to 90 days past due | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 617,791 |  | $ | 617,791 |
Over 90 days past due | — |  | — |  | — |  | — |  | — |  | — |  | 1,353 |  | 1,353 |
Total Revolving home equity: | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 619,178 |  | $ | 619,178 |
Gross write-offs for the three months ended March 31, 2026 | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 7 |  | $ | 7 |
Consumer credit card |  |  |  |  |  |  |  |
Current to 90 days past due | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 549,352 |  | $ | 549,352 |
Over 90 days past due | — |  | — |  | — |  | — |  | — |  | — |  | 8,381 |  | 8,381 |
Total Consumer credit card: | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 557,733 |  | $ | 557,733 |
Gross write-offs for the three months ended March 31, 2026 | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 8,214 |  | $ | 8,214 |
Overdrafts |  |  |  |  |  |  |  |
Current to 90 days past due | $ | 9,510 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 9,510 |
Total Overdrafts: | $ | 9,510 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 9,510 |
Gross write-offs for the three months ended March 31, 2026 | $ | 628 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 628 |
Personal banking loans |  |  |  |  |  |  |  |
Current to 90 days past due | $ | 299,219 |  | $ | 1,123,056 |  | $ | 640,148 |  | $ | 680,707 |  | $ | 734,113 |  | $ | 2,242,137 |  | $ | 2,326,760 |  | $ | 8,046,140 |
Over 90 days past due | — |  | 266 |  | 784 |  | 1,916 |  | 2,760 |  | 4,799 |  | 11,365 |  | 21,890 |
Non-accrual | — |  | — |  | 3 |  | — |  | — |  | 1,313 |  | 34 |  | 1,350 |
Total Personal banking loans: | $ | 299,219 |  | $ | 1,123,322 |  | $ | 640,935 |  | $ | 682,623 |  | $ | 736,873 |  | $ | 2,248,249 |  | $ | 2,338,159 |  | $ | 8,069,380 |
Gross write-offs for the three months ended March 31, 2026 | $ | 628 |  | $ | 412 |  | $ | 593 |  | $ | 580 |  | $ | 256 |  | $ | 145 |  | $ | 8,805 |  | $ | 11,419 |
| Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Revolving Loans Amortized Cost Basis | Total
December 31, 2025 |  |  |  |  |  |  |  |
Real estate-personal |  |  |  |  |  |  |  |
Current to 90 days past due | $ | 386,816 |  | $ | 312,902 |  | $ | 335,950 |  | $ | 360,793 |  | $ | 438,586 |  | $ | 1,196,850 |  | $ | 8,765 |  | $ | 3,040,662 |
Over 90 days past due | — |  | 570 |  | 1,581 |  | 3,581 |  | 1,820 |  | 4,379 |  | — |  | 11,931 |
Non-accrual | — |  | — |  | — |  | — |  | 102 |  | 740 |  | — |  | 842 |
Total Real estate-personal: | $ | 386,816 |  | $ | 313,472 |  | $ | 337,531 |  | $ | 364,374 |  | $ | 440,508 |  | $ | 1,201,969 |  | $ | 8,765 |  | $ | 3,053,435 |
Gross write-offs for the year ended December 31, 2025 | $ | — |  | $ | 47 |  | $ | 65 |  | $ | 416 |  | $ | 48 |  | $ | 29 |  | $ | — |  | $ | 605 |
Consumer |  |  |  |  |  |  |  |
Current to 90 days past due | $ | 520,170 |  | $ | 242,791 |  | $ | 237,779 |  | $ | 132,942 |  | $ | 93,343 |  | $ | 62,726 |  | $ | 903,627 |  | $ | 2,193,378 |
Over 90 days past due | 187 |  | 387 |  | 406 |  | 276 |  | 117 |  | 195 |  | 1,876 |  | 3,444 |
Total Consumer: | $ | 520,357 |  | $ | 243,178 |  | $ | 238,185 |  | $ | 133,218 |  | $ | 93,460 |  | $ | 62,921 |  | $ | 905,503 |  | $ | 2,196,822 |
Gross write-offs for the year ended December 31, 2025 | $ | 894 |  | $ | 3,862 |  | $ | 2,948 |  | $ | 1,705 |  | $ | 720 |  | $ | 359 |  | $ | 2,032 |  | $ | 12,520 |
Revolving home equity |  |  |  |  |  |  |  |
Current to 90 days past due | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 374,738 |  | $ | 374,738 |
Over 90 days past due | — |  | — |  | — |  | — |  | — |  | — |  | 421 |  | 421 |
Total Revolving home equity: | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 375,159 |  | $ | 375,159 |
Gross write-offs for the year ended December 31, 2025 | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 15 |  | $ | 15 |
Consumer credit card |  |  |  |  |  |  |  |
Current to 90 days past due | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 581,371 |  | $ | 581,371 |
Over 90 days past due | — |  | — |  | — |  | — |  | — |  | — |  | 8,323 |  | 8,323 |
Total Consumer credit card: | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 589,694 |  | $ | 589,694 |
Gross write-offs for the year ended December 31, 2025 | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 31,833 |  | $ | 31,833 |
Overdrafts |  |  |  |  |  |  |  |
Current to 90 days past due | $ | 4,194 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 4,194 |
Total Overdrafts: | $ | 4,194 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 4,194 |
Gross write-offs for the year ended December 31, 2025 | $ | 2,522 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 2,522 |
Personal banking loans |  |  |  |  |  |  |  |
Current to 90 days past due | $ | 911,180 |  | $ | 555,693 |  | $ | 573,729 |  | $ | 493,735 |  | $ | 531,929 |  | $ | 1,259,576 |  | $ | 1,868,501 |  | $ | 6,194,343 |
Over 90 days past due | 187 |  | 957 |  | 1,987 |  | 3,857 |  | 1,937 |  | 4,574 |  | 10,620 |  | 24,119 |
Non-accrual | — |  | — |  | — |  | — |  | 102 |  | 740 |  | — |  | 842 |
Total Personal banking loans: | $ | 911,367 |  | $ | 556,650 |  | $ | 575,716 |  | $ | 497,592 |  | $ | 533,968 |  | $ | 1,264,890 |  | $ | 1,879,121 |  | $ | 6,219,304 |
Gross write-offs for the year ended December 31, 2025 | $ | 3,416 |  | $ | 3,909 |  | $ | 3,013 |  | $ | 2,121 |  | $ | 768 |  | $ | 388 |  | $ | 33,880 |  | $ | 47,495 |
Amortized Cost Basis of Collateral-Dependent Loans | The following table presents the amortized cost basis of collateral-dependent loans as of March 31, 2026 and December 31, 2025.
(In thousands) |  |  | Real Estate |  | Total
March 31, 2026 |  |  |  |  |
Commercial: |  |  |  |  |
Real estate - business |  |  | $ | 9,092 |  |  | $ | 9,092 |
Total |  |  | $ | 9,092 |  |  | $ | 9,092 |
December 31, 2025 |  |  |  |  |
Commercial: |  |  |  |  |
Real estate - business |  |  | $ | 14,508 |  |  | $ | 14,508 |
Total |  |  | $ | 14,508 |  |  | $ | 14,508 |
Outstanding Balance Of Modified Loans to Borrowers Experiencing Financial Difficulty | The following tables present the amortized cost at March 31, 2026 of loans that were modified during the three months ended March 31, 2026 and the amortized cost at March 31, 2025 of loans that were modified during the three months ended March 31, 2025.
| For the Three Months Ended March 31, 2026
(Dollars in thousands) | Term Extension | Payment Delay | Interest Rate Reduction |  |  | Total | % of Total Loan Category
March 31, 2026 |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |
Business | $ | 62,272 |  | $ | — |  | $ | — |  |  |  | $ | 62,272 |  | 0.9 | %
Real estate – construction and land | 2,340 |  | — |  | — |  |  |  | 2,340 |  | 0.1 |
Real estate – business | 533 |  | — |  | — |  |  |  | 533 |  | — |
Personal Banking: |  |  |  |  |  |  |
Real estate – personal | — |  | 801 |  | — |  |  |  | 801 |  | — |
Consumer | — |  | — |  | 22 |  |  |  | 22 |  | — |
Consumer credit card | — |  | — |  | 902 |  |  |  | 902 |  | 0.2 |
Total | $ | 65,145 |  | $ | 801 |  | $ | 924 |  |  |  | $ | 66,870 |  | 0.3 | %
| For the Three Months Ended March 31, 2025
(Dollars in thousands) | Term Extension | Payment Delay | Interest Rate Reduction |  |  | Total | % of Total Loan Category
March 31, 2025 |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |
Business | $ | 54,539 |  | $ | — |  | $ | — |  |  |  | $ | 54,539 |  | 0.9 | %
Real estate – business | 76,958 |  | — |  | — |  |  |  | 76,958 |  | 2.1 |
Personal Banking: |  |  |  |  |  |  |
Real estate – personal | — |  | 3,884 |  | — |  |  |  | 3,884 |  | 0.1 |
Consumer | — |  | — |  | 67 |  |  |  | 67 |  | — |
Consumer credit card | — |  | — |  | 880 |  |  |  | 880 |  | 0.2 |
Total | $ | 131,497 |  | $ | 3,884 |  | $ | 947 |  |  |  | $ | 136,328 |  | 0.8 | %
Financing receivable, financial impacts of loan modifications and payment deferrals | The following tables summarize the financial impact of loan modifications and payment deferrals during the three months ended March 31, 2026 and March 31, 2025.
| Term Extension
| Three Months Ended March 31, 2026 | Three Months Ended March 31, 2025
Commercial: |  |
Business | Extended maturity by a weighted average of 11 months. | Extended maturity by a weighted average of 7 months.
Real estate – construction and land | Extended maturity by a weighted average of 11 months. | ---
Real estate – business | Extended maturity by a weighted average of 8 months. | Extended maturity by a weighted average of 18 months.
| Payment Delay
| Three Months Ended March 31, 2026 | Three Months Ended March 31, 2025
Personal Banking: |  |
Real estate – personal | Deferred certain payments by a weighted average of 26 years. | Deferred certain payments by a weighted average of 16 years.
Consumer | Deferred certain payments by a weighted average of 26 years. | ---
| Interest Rate Reduction
| Three Months Ended March 31, 2026 | Three Months Ended March 31, 2025
Personal Banking: |  |
Consumer | Reduced contractual interest rate from average 22% to 6%. | Reduced contractual interest rate from average 21% to 6%.
Consumer credit card | Reduced contractual interest rate from average 22% to 6%. | Reduced contractual interest rate from average 21% to 6%.
Financing Receivable, Modified, Subsequent Default | The following tables provide the amortized cost basis at March 31, 2026 of loans to borrowers experiencing financial difficulty that had a payment default during the three months ended March 31, 2026 and were modified within the 12 months preceding the payment default, as well as the amortized cost basis at March 31, 2025 of loans to borrowers experiencing financial difficulty that had a payment default during the three months ended March 31, 2025 and had been modified within the 12 months preceding the payment default. For purposes of this disclosure, the Company considers "default" to mean 90 days or more past due as to interest or principal.
|  |  | For the Three Months Ended March 31, 2026
(Dollars in thousands) |  |  |  |  |  |  |  | Term Extension | Payment Delay | Interest Rate Reduction | Interest/Fees Forgiven |  | Total
March 31, 2026 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate – business |  |  |  |  |  |  |  | $ | 9,093 |  | $ | — |  | $ | — |  | $ | — |  |  | $ | 9,093 |
Personal Banking: |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate – personal |  |  |  |  |  |  |  | — |  | 144 |  | — |  | — |  |  | 144 |
Consumer |  |  |  |  |  |  |  | — |  | 34 |  | 8 |  | — |  |  | 42 |
Consumer credit card |  |  |  |  |  |  |  | — |  | — |  | 276 |  | — |  |  | 276 |
Total |  |  |  |  |  |  |  | $ | 9,093 |  | $ | 178 |  | $ | 284 |  | $ | — |  |  | $ | 9,555 |
|  |  | For the Three Months Ended March 31, 2025
(Dollars in thousands) |  |  |  |  |  |  |  | Term Extension | Payment Delay | Interest Rate Reduction | Interest/Fees Forgiven |  | Total
March 31, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate – business |  |  |  |  |  |  |  | $ | 14,667 |  | $ | — |  | $ | — |  | $ | — |  |  | $ | 14,667 |
Personal Banking: |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate – personal |  |  |  |  |  |  |  | — |  | 1,762 |  | — |  | — |  |  | 1,762 |
Consumer |  |  |  |  |  |  |  | — |  | — |  | 33 |  | — |  |  | 33 |
Consumer credit card |  |  |  |  |  |  |  | — |  | — |  | 218 |  | — |  |  | 218 |
Total |  |  |  |  |  |  |  | $ | 14,667 |  | $ | 1,762 |  | $ | 251 |  | $ | — |  |  | $ | 16,680 |
Financing Receivable, Modified, Past Due | The following tables present the amortized cost basis at March 31, 2026 of loans to borrowers experiencing financial difficulty that had been modified within the previous 12 months as well as the amortized cost basis at March 31, 2025 of loans to borrowers experiencing financial difficulty that had been modified within the 12 months preceding March 31, 2025.
(In thousands) | Current | 30-89 Days Past Due | 90 Days Past Due | Total
March 31, 2026 |  |  |  |
Commercial: |  |  |  |
Business | $ | 90,748 |  | $ | 200 |  | $ | — |  | $ | 90,948 |
Real estate – construction and land | 2,340 |  | — |  | — |  | 2,340 |
Real estate – business | 2,260 |  | — |  | 9,092 |  | 11,352 |
Personal Banking: |  |  |  |
Real estate – personal | 5,808 |  | 1,705 |  | 144 |  | 7,657 |
Consumer | 93 |  | 4 |  | 45 |  | 142 |
Consumer credit card | 2,368 |  | 420 |  | 274 |  | 3,062 |
Total | $ | 103,617 |  | $ | 2,329 |  | $ | 9,555 |  | $ | 115,501 |
(In thousands) | Current | 30-89 Days Past Due | 90 Days Past Due | Total
March 31, 2025 |  |  |  |
Commercial: |  |  |  |
Business | $ | 89,831 |  | $ | 44 |  | $ | — |  | $ | 89,875 |
Real estate – business | 124,311 |  | 124 |  | 14,667 |  | 139,102 |
Personal Banking: |  |  |  |
Real estate – personal | 7,008 |  | 2,762 |  | 1,763 |  | 11,533 |
Consumer | 852 |  | 17 |  | 33 |  | 902 |
Consumer credit card | 2,418 |  | 445 |  | 218 |  | 3,081 |
Total | $ | 224,420 |  | $ | 3,392 |  | $ | 16,681 |  | $ | 244,493 |

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