XML 39 R28.htm IDEA: XBRL DOCUMENT
v3.25.3

Allowance for Credit Losses (Tables) | 9 Months Ended
--- | ---
Sep. 30, 2025
Receivables [Abstract] |
Economic forecast Model Variables | The Bank opted to use Moody's Analytics' August 2025 consensus economic forecast for estimating the ACL as of September 30, 2025. In the consensus scenario, the probability that the economy will perform better than this consensus is equal to the probability that it will perform worse and includes the following variables:
| 2026 |  | 2027 |  | 2028 |  | 2029
U.S. real GDP average annualized growth | 1.7 | % |  | 2.0 | % |  | 2.0 | % |  | 2.1 | %
U.S. unemployment rate average | 4.4 | % |  | 4.3 | % |  | 4.1 | % |  | 4.0 | %
Forecasted average federal funds rate | 3.4 | % |  | 3.3 | % |  | 3.4 | % |  | 3.4 | %
The Bank uses an additional scenario with the same economic variables, but with varying severity, to assess ACL sensitivity and inform qualitative adjustments. For this analysis, the Bank selected Moody's Analytics' August 2025 S2 scenario (the "S2 Scenario"), which predicts a 75% probability of better economic performance and a 25% probability of worse performance. The S2 Scenario includes the following variables:
| 2026 |  | 2027 |  | 2028 |  | 2029
U.S. real GDP average annualized growth | (0.3) | % |  | 1.9 | % |  | 2.5 | % |  | 2.6 | %
U.S. unemployment rate average | 7.0 | % |  | 5.5 | % |  | 4.4 | % |  | 4.2 | %
Forecasted average federal funds rate | 2.6 | % |  | 2.0 | % |  | 2.5 | % |  | 2.9 | %
Activity In The Non-Covered Allowance For Loan And Lease Losses | The following tables summarize activity related to the ACL by portfolio segment for the periods indicated:
|  | Three Months Ended September 30, 2025
(in millions) |  | Commercial Real Estate |  | Commercial |  | Residential |  | Consumer & Other |  | Total
Allowance for credit losses on loans and leases |  |  |  |
Balance, beginning of period |  | $ | 160 |  |  | $ | 220 |  |  | $ | 34 |  |  | $ | 7 |  |  | $ | 421 |
Initial ACL on PCD loans acquired during the period |  | 4 |  |  | 1 |  |  | — |  |  | — |  |  | 5 |
Provision for credit losses on loans and leases |  | 44 |  |  | 22 |  |  | 2 |  |  | 1 |  |  | 69 |
Charge-offs |  | (3) |  |  | (22) |  |  | — |  |  | (2) |  |  | (27) |
Recoveries |  | — |  |  | 4 |  |  | — |  |  | 1 |  |  | 5 |
Net charge-offs |  | (3) |  |  | (18) |  |  | — |  |  | (1) |  |  | (22) |
Balance, end of period |  | $ | 205 |  |  | $ | 225 |  |  | $ | 36 |  |  | $ | 7 |  |  | $ | 473 |
Reserve for unfunded commitments |  |  |  |  |  |  |  |  |  |
Balance, beginning of period |  | $ | 8 |  |  | $ | 8 |  |  | $ | 1 |  |  | $ | 1 |  |  | $ | 18 |
Provision (recapture) for credit losses on unfunded commitments |  | 2 |  |  | (1) |  |  | — |  |  | — |  |  | 1 |
Balance, end of period |  | 10 |  |  | 7 |  |  | 1 |  |  | 1 |  |  | 19 |
Total allowance for credit losses |  | $ | 215 |  |  | $ | 232 |  |  | $ | 37 |  |  | $ | 8 |  |  | $ | 492 |
|  | Nine Months Ended September 30, 2025
(in millions) |  | Commercial Real Estate |  | Commercial |  | Residential |  | Consumer & Other |  | Total
Allowance for credit losses on loans and leases |  |  |  |  |  |
Balance, beginning of period |  | $ | 154 |  |  | $ | 219 |  |  | $ | 45 |  |  | $ | 7 |  |  | $ | 425 |
Initial ACL on PCD loans acquired during the period |  | 4 |  |  | 1 |  |  | — |  |  | — |  |  | 5 |
Provision (recapture) for credit losses on loans and leases |  | 50 |  |  | 80 |  |  | (8) |  |  | 2 |  |  | 124 |
Charge-offs |  | (3) |  |  | (88) |  |  | (1) |  |  | (4) |  |  | (96) |
Recoveries |  | — |  |  | 13 |  |  | — |  |  | 2 |  |  | 15 |
Net charge-offs |  | (3) |  |  | (75) |  |  | (1) |  |  | (2) |  |  | (81) |
Balance, end of period |  | $ | 205 |  |  | $ | 225 |  |  | $ | 36 |  |  | $ | 7 |  |  | $ | 473 |
Reserve for unfunded commitments |  |  |  |  |  |  |  |  |  |
Balance, beginning of period |  | $ | 6 |  |  | $ | 7 |  |  | $ | 2 |  |  | $ | 1 |  |  | $ | 16 |
Provision (recapture) for credit losses on unfunded commitments |  | 4 |  |  | — |  |  | (1) |  |  | — |  |  | 3 |
Balance, end of period |  | 10 |  |  | 7 |  |  | 1 |  |  | 1 |  |  | 19 |
Total allowance for credit losses |  | $ | 215 |  |  | $ | 232 |  |  | $ | 37 |  |  | $ | 8 |  |  | $ | 492 |
|  | Three Months Ended September 30, 2024
(in millions) |  | Commercial Real Estate |  | Commercial |  | Residential |  | Consumer & Other |  | Total
Allowance for credit losses on loans and leases |  |  |  |  |  |  |  |
Balance, beginning of period |  | $ | 143 |  |  | $ | 220 |  |  | $ | 49 |  |  | $ | 7 |  |  | $ | 419 |
Provision (recapture) for credit losses on loans and leases |  | 15 |  |  | 17 |  |  | (2) |  |  | 1 |  |  | 31 |
Charge-offs |  | — |  |  | (33) |  |  | (1) |  |  | (1) |  |  | (35) |
Recoveries |  | — |  |  | 5 |  |  | — |  |  | — |  |  | 5 |
Net charge-offs |  | — |  |  | (28) |  |  | (1) |  |  | (1) |  |  | (30) |
Balance, end of period |  | $ | 158 |  |  | $ | 209 |  |  | $ | 46 |  |  | $ | 7 |  |  | $ | 420 |
Reserve for unfunded commitments |  |  |  |  |  |  |  |  |  |
Balance, beginning of period |  | $ | 10 |  |  | $ | 7 |  |  | $ | 2 |  |  | $ | 1 |  |  | $ | 20 |
Recapture for credit losses on unfunded commitments |  | (2) |  |  | — |  |  | — |  |  | — |  |  | (2) |
Balance, end of period |  | 8 |  |  | 7 |  |  | 2 |  |  | 1 |  |  | 18 |
Total allowance for credit losses |  | $ | 166 |  |  | $ | 216 |  |  | $ | 48 |  |  | $ | 8 |  |  | $ | 438 |
|  | Nine Months Ended September 30, 2024
(in millions) |  | Commercial Real Estate |  | Commercial |  | Residential |  | Consumer & Other |  | Total
Allowance for credit losses on loans and leases |  |  |  |  |  |  |  |
Balance, beginning of period |  | $ | 126 |  |  | $ | 245 |  |  | $ | 62 |  |  | $ | 8 |  |  | $ | 441 |
Provision (recapture) for credit losses on loans and leases |  | 32 |  |  | 63 |  |  | (15) |  |  | 3 |  |  | 83 |
Charge-offs |  | (1) |  |  | (113) |  |  | (2) |  |  | (5) |  |  | (121) |
Recoveries |  | 1 |  |  | 14 |  |  | 1 |  |  | 1 |  |  | 17 |
Net charge-offs |  | — |  |  | (99) |  |  | (1) |  |  | (4) |  |  | (104) |
Balance, end of period |  | $ | 158 |  |  | $ | 209 |  |  | $ | 46 |  |  | $ | 7 |  |  | $ | 420 |
Reserve for unfunded commitments |  |  |  |  |  |  |  |  |  |
Balance, beginning of period |  | $ | 11 |  |  | $ | 8 |  |  | $ | 3 |  |  | $ | 1 |  |  | $ | 23 |
Recapture for credit losses on unfunded commitments |  | (3) |  |  | (1) |  |  | (1) |  |  | — |  |  | (5) |
Balance, end of period |  | 8 |  |  | 7 |  |  | 2 |  |  | 1 |  |  | 18 |
Total allowance for credit losses |  | $ | 166 |  |  | $ | 216 |  |  | $ | 48 |  |  | $ | 8 |  |  | $ | 438 |
Loans and Leases Past Due and Non-Accrual Loans and Leases | The following tables present the carrying value of the loans and leases past due, by loan and lease class, as of the dates presented:
| September 30, 2025
(in millions) | Greater than 30 to 59 Days Past Due |  | 60 to 89 Days Past Due |  | 90 Days or More and Accruing (2) |  | Total Past Due |  | Non-Accrual (2) |  | Current and Other |  | Total Loans and Leases
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied term | $ | 8 |  |  | $ | 2 |  |  | $ | — |  |  | $ | 10 |  |  | $ | 38 |  |  | $ | 8,396 |  |  | $ | 8,444 |
Owner occupied term | 3 |  |  | — |  |  | — |  |  | 3 |  |  | 15 |  |  | 7,343 |  |  | 7,361 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10,377 |  |  | 10,377 |
Construction & development | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,071 |  |  | 2,071 |
Residential development | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 367 |  |  | 367 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |
Term | 4 |  |  | 5 |  |  | — |  |  | 9 |  |  | 26 |  |  | 6,555 |  |  | 6,590 |
Lines of credit & other | 4 |  |  | 3 |  |  | — |  |  | 7 |  |  | 24 |  |  | 3,551 |  |  | 3,582 |
Leases & equipment finance | 15 |  |  | 15 |  |  | 5 |  |  | 35 |  |  | 17 |  |  | 1,562 |  |  | 1,614 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage (1) | — |  |  | 12 |  |  | 65 |  |  | 77 |  |  | — |  |  | 5,645 |  |  | 5,722 |
Home equity loans & lines | 9 |  |  | 4 |  |  | 8 |  |  | 21 |  |  | — |  |  | 2,132 |  |  | 2,153 |
Consumer & other | 1 |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | 180 |  |  | 181 |
Total, net of deferred fees and costs | $ | 44 |  |  | $ | 41 |  |  | $ | 78 |  |  | $ | 163 |  |  | $ | 120 |  |  | $ | 48,179 |  |  | $ | 48,462 |
(1) Includes government guaranteed mortgage loans that the Bank has the right but not the obligation to repurchase that are past due 90 days or more, totaling $2 million at September 30, 2025. (2) Includes government guaranteed portion of $33 million and $37 million for 90 days or more and non-accrual loans, respectively.
| December 31, 2024
(in millions) | Greater than 30 to 59 Days Past Due |  | 60 to 89 Days Past Due |  | 90 Days or More and Accruing (2) |  | Total Past Due |  | Non-Accrual (2) |  | Current and Other |  | Total Loans and Leases
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied term | $ | 28 |  |  | $ | — |  |  | $ | — |  |  | $ | 28 |  |  | $ | 14 |  |  | $ | 6,236 |  |  | $ | 6,278 |
Owner occupied term | 1 |  |  | — |  |  | — |  |  | 1 |  |  | 25 |  |  | 5,244 |  |  | 5,270 |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5,804 |  |  | 5,804 |
Construction & development | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,983 |  |  | 1,983 |
Residential development | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 232 |  |  | 232 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |
Term | 2 |  |  | 1 |  |  | — |  |  | 3 |  |  | 29 |  |  | 5,506 |  |  | 5,538 |
Lines of credit & other | 5 |  |  | 6 |  |  | — |  |  | 11 |  |  | 7 |  |  | 2,752 |  |  | 2,770 |
Leases & equipment finance | 15 |  |  | 17 |  |  | 5 |  |  | 37 |  |  | 21 |  |  | 1,603 |  |  | 1,661 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage (1) | — |  |  | 18 |  |  | 61 |  |  | 79 |  |  | — |  |  | 5,854 |  |  | 5,933 |
Home equity loans & lines | 6 |  |  | 5 |  |  | 7 |  |  | 18 |  |  | — |  |  | 2,014 |  |  | 2,032 |
Consumer & other | 1 |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | 179 |  |  | 180 |
Total, net of deferred fees and costs | $ | 58 |  |  | $ | 47 |  |  | $ | 73 |  |  | $ | 178 |  |  | $ | 96 |  |  | $ | 37,407 |  |  | $ | 37,681 |
(1) Includes government guaranteed mortgage loans the Bank has the right but not the obligation to repurchase that are past due 90 days or more, totaling $2 million at December 31, 2024. (2) Includes government guaranteed portion of $32 million and $41 million for 90 days or more and non-accrual loans, respectively.
Collateral Dependent Loans and Leases | The following tables summarize the amortized cost basis of the collateral-dependent loans and leases by the type of collateral securing the assets as of the periods indicated:
|  | September 30, 2025
(in millions) |  | Residential Real Estate |  | Commercial Real Estate |  | General Business Assets |  |  |  | Total
Commercial real estate |  |  |  |  |  |  |  |  |  |
Non-owner occupied term |  | $ | — |  |  | $ | 35 |  |  | $ | — |  |  |  |  | $ | 35 |
Owner occupied term |  | — |  |  | 11 |  |  | — |  |  |  |  | 11 |
Commercial |  |  |  |  |  |  |  |  |  |
Term |  | — |  |  | 1 |  |  | 17 |  |  |  |  | 18 |
Lines of credit & other |  | — |  |  | 2 |  |  | 20 |  |  |  |  | 22 |
Leases & equipment finance |  | — |  |  | — |  |  | 17 |  |  |  |  | 17 |
Residential |  |  |  |  |  |  |  |  |  |
Mortgage |  | 66 |  |  | — |  |  | — |  |  |  |  | 66 |
Home equity loans & lines |  | 2 |  |  | — |  |  | — |  |  |  |  | 2 |
Total, net of deferred fees and costs |  | $ | 68 |  |  | $ | 49 |  |  | $ | 54 |  |  |  |  | $ | 171 |
|  | December 31, 2024
(in millions) |  | Residential Real Estate |  | Commercial Real Estate |  | General Business Assets |  |  |  | Total
Commercial real estate |  |  |  |  |  |  |  |  |  |
Non-owner occupied term |  | $ | — |  |  | $ | 13 |  |  | $ | — |  |  |  |  | $ | 13 |
Owner occupied term |  | — |  |  | 20 |  |  | — |  |  |  |  | 20 |
Commercial |  |  |  |  |  |  |  |  |  |
Term |  | 2 |  |  | 3 |  |  | 16 |  |  |  |  | 21 |
Lines of credit & other |  | — |  |  | 2 |  |  | 4 |  |  |  |  | 6 |
Leases & equipment finance |  | — |  |  | — |  |  | 21 |  |  |  |  | 21 |
Residential |  |  |  |  |  |  |  |  |  |
Mortgage |  | 79 |  |  | — |  |  | — |  |  |  |  | 79 |
Home equity loans & lines |  | 2 |  |  | — |  |  | — |  |  |  |  | 2 |
Total, net of deferred fees and costs |  | $ | 83 |  |  | $ | 38 |  |  | $ | 41 |  |  |  |  | $ | 162 |
Loan and Lease Modifications Made to Borrowers Experiencing Financial Difficulty | The following tables present the amortized cost basis of loans and leases that were both experiencing financial difficulty and modified during the three and nine months ended September 30, 2025 and 2024, by class and type of modification. The percentage of the amortized cost basis of loans and leases to borrowers in financial distress that were modified as compared to the amortized cost basis of each class of financing receivable is also presented below.
|  | Three Months Ended September 30, 2025
(in millions) |  |  |  |  | Term Extension |  | Other -Than-Insignificant Payment Delay |  | Combo - Interest Rate Reduction and Term Extension |  |  |  | Combo - Term Extension and Other-than-Insignificant Payment Delay |  |  |  | Total |  | % of Total Class of Financing Receivable
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied term |  |  |  |  | $ | 4 |  |  | $ | — |  |  | $ | — |  |  |  |  | $ | — |  |  |  |  | $ | 4 |  |  | 0.05 | %
Owner occupied term |  |  |  |  | 7 |  |  | — |  |  | 1 |  |  |  |  | — |  |  |  |  | 8 |  |  | 0.11 | %
Construction & development |  |  |  |  | 3 |  |  | — |  |  | 15 |  |  |  |  | — |  |  |  |  | 18 |  |  | 0.87 | %
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Term |  |  |  |  | — |  |  | — |  |  | 1 |  |  |  |  | — |  |  |  |  | 1 |  |  | 0.02 | %
Lines of credit & other |  |  |  |  | 4 |  |  | — |  |  | — |  |  |  |  | — |  |  |  |  | 4 |  |  | 0.11 | %
Leases & equipment finance |  |  |  |  | 1 |  |  | — |  |  | — |  |  |  |  | — |  |  |  |  | 1 |  |  | 0.06 | %
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  |  |  | — |  |  | 6 |  |  | — |  |  |  |  | 3 |  |  |  |  | 9 |  |  | 0.16 | %
Total modified loans and leases experiencing financial difficulty |  |  |  |  | $ | 19 |  |  | $ | 6 |  |  | $ | 17 |  |  |  |  | $ | 3 |  |  |  |  | $ | 45 |  |  | 0.09 | %
|  |  |  |  | Nine Months Ended September 30, 2025
(in millions) |  |  |  |  | Term Extension |  | Other -Than-Insignificant Payment Delay |  | Combo - Interest Rate Reduction and Term Extension |  |  |  |  |  | Combo - Term Extension and Other than Insignificant Payment Delay |  |  |  | Total |  | % of Total Class of Financing Receivable
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied term |  |  |  |  | $ | 4 |  |  | $ | — |  |  | $ | 21 |  |  |  |  |  |  | $ | — |  |  |  |  | $ | 25 |  |  | 0.30 | %
Owner occupied term |  |  |  |  | 9 |  |  | 11 |  |  | 1 |  |  |  |  |  |  | — |  |  |  |  | 21 |  |  | 0.29 | %
Construction & development |  |  |  |  | 3 |  |  | — |  |  | 15 |  |  |  |  |  |  | — |  |  |  |  | 18 |  |  | 0.87 | %
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Term |  |  |  |  | 1 |  |  | 7 |  |  | 11 |  |  |  |  |  |  | — |  |  |  |  | 19 |  |  | 0.29 | %
Lines of credit & other |  |  |  |  | 11 |  |  | 1 |  |  | — |  |  |  |  |  |  | 1 |  |  |  |  | 13 |  |  | 0.36 | %
Leases & equipment finance |  |  |  |  | 3 |  |  | — |  |  | — |  |  |  |  |  |  | — |  |  |  |  | 3 |  |  | 0.19 | %
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  |  |  | — |  |  | 18 |  |  | — |  |  |  |  |  |  | 5 |  |  |  |  | 23 |  |  | 0.40 | %
Total modified loans and leases experiencing financial difficulty |  |  |  |  | $ | 31 |  |  | $ | 37 |  |  | $ | 48 |  |  |  |  |  |  | $ | 6 |  |  |  |  | $ | 122 |  |  | 0.25 | %
|  |  |  |  |  | Three Months Ended September 30, 2024
(in millions) |  |  |  |  |  | Term Extension |  | Other -Than-Insignificant Payment Delay |  |  |  |  |  |  |  |  |  | Total |  | % of Total Class of Financing Receivable
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction & development |  |  |  |  |  | $ | 2 |  |  | $ | — |  |  |  |  |  |  |  |  |  |  | $ | 2 |  |  | 0.10 | %
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Term |  |  |  |  |  | 2 |  |  | — |  |  |  |  |  |  |  |  |  |  | 2 |  |  | 0.04 | %
Lines of credit & other |  |  |  |  |  | 6 |  |  | — |  |  |  |  |  |  |  |  |  |  | 6 |  |  | 0.23 | %
Leases & equipment finance |  |  |  |  |  | 1 |  |  | — |  |  |  |  |  |  |  |  |  |  | 1 |  |  | 0.06 | %
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  |  |  |  | 2 |  |  | 2 |  |  |  |  |  |  |  |  |  |  | 4 |  |  | 0.07 | %
Total modified loans and leases experiencing financial difficulty |  |  |  |  |  | $ | 13 |  |  | $ | 2 |  |  |  |  |  |  |  |  |  |  | $ | 15 |  |  | 0.04 | %
|  | Nine Months Ended September 30, 2024
(in millions) |  | Interest Rate Reduction |  |  |  | Term Extension |  | Other -Than-Insignificant Payment Delay |  |  |  |  |  |  |  |  |  | Total |  | % of Total Class of Financing Receivable
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied term |  | $ | — |  |  |  |  | $ | — |  |  | $ | 18 |  |  |  |  |  |  |  |  |  |  | $ | 18 |  |  | 0.28 | %
Owner occupied term |  | 4 |  |  |  |  | — |  |  | 1 |  |  |  |  |  |  |  |  |  |  | 5 |  |  | 0.10 | %
Construction & development |  | — |  |  |  |  | 2 |  |  | — |  |  |  |  |  |  |  |  |  |  | 2 |  |  | 0.10 | %
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Term |  | 1 |  |  |  |  | 7 |  |  | 1 |  |  |  |  |  |  |  |  |  |  | 9 |  |  | 0.17 | %
Lines of credit & other |  | — |  |  |  |  | 12 |  |  | — |  |  |  |  |  |  |  |  |  |  | 12 |  |  | 0.45 | %
Leases & equipment finance |  | — |  |  |  |  | 2 |  |  | — |  |  |  |  |  |  |  |  |  |  | 2 |  |  | 0.12 | %
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  | — |  |  |  |  | 4 |  |  | 15 |  |  |  |  |  |  |  |  |  |  | 19 |  |  | 0.32 | %
Total modified loans and leases experiencing financial difficulty |  | $ | 5 |  |  |  |  | $ | 27 |  |  | $ | 35 |  |  |  |  |  |  |  |  |  |  | $ | 67 |  |  | 0.18 | %
The following tables present the financial effect of loan modifications made to borrowers experiencing financial difficulty during the periods presented:
|  | Three Months Ended September 30, 2025
|  | Interest Rate Reduction |  | Term Extension |  | Other-Than-Insignificant Payment Delay
(in millions) |  | Weighted-Average Interest Rate Reduction |  | Weighted-Average Term Extension |  | Deferral Amount
Commercial real estate |  |  |  |  |  |
Non-owner occupied term |  | — |  |  | 9 months |  | — |
Owner occupied term |  | 0.80 | % |  | 3 months |  | — |
Construction & development |  | 8.20 | % |  | 4 months |  | — |
Commercial |  |  |  |  |  |
Term |  | 3.00 | % |  | 2.3 years |  | — |
Lines of credit & other |  | — |  |  | 8 months |  | — |
Leases & equipment finance |  | — |  |  | 1.0 year |  | — |
Residential |  |  |  |  |  |
Mortgage |  | — |  |  | 13.0 years |  | $ | 1 |
|  | Nine Months Ended September 30, 2025
|  | Interest Rate Modification |  | Term Extension |  | Other-Than-Insignificant Payment Delay
(in millions) |  | Weighted-Average Interest Rate Reduction |  | Weighted-Average Term Extension |  | Deferral Amount
Commercial real estate |  |  |  |  |  |
Non-owner occupied term |  | 3.54 | % |  | 1.7 years |  | — |
Owner occupied term |  | 0.80 | % |  | 4 months |  | $ | 1 |
Construction & development |  | 8.20 | % |  | 4 months |  | — |
Commercial |  |  |  |  |  |
Term |  | 3.41 | % |  | 1.9 years |  | $ | 1 |
Lines of credit & other |  | — |  |  | 8 months |  | $ | 3 |
Leases & equipment finance |  | — |  |  | 1.1 years |  | — |
Residential |  |  |  |  |  |
Mortgage |  | — |  |  | 11.9 years |  | $ | 2 |
|  |  | Three Months Ended September 30, 2024
|  |  |  | Term Extension |  |
(in millions) |  |  |  | Weighted-Average Term Extension |  |
Commercial real estate |  |  |  |  |  |
Construction & development |  |  |  | 7 months |  |
Commercial |  |  |  |  |  |
Term |  |  |  | 1.8 years |  |
Lines of credit & other |  |  |  | 7 months |  |
Leases & equipment finance |  |  |  | 1 year |  |
Residential |  |  |  |  |  |
Mortgage |  |  |  | 7.3 years |  |
|  | Nine Months Ended September 30, 2024
|  | Interest Rate Modification |  | Term Extension |  | Other-Than-Insignificant Payment Delay
(in millions) |  | Weighted-Average Interest Rate Reduction |  | Weighted-Average Term Extension |  | Deferral Amount
Commercial real estate |  |  |  |  |  |
Non-owner occupied term, net |  | — |  |  | — |  |  | $ | 4 |
Owner occupied term |  | 3.79 | % |  | — |  |  | — |
Construction & development |  | — |  |  | 7 months |  | — |
Commercial |  |  |  |  |  |
Term |  | 5.00 | % |  | 11 months |  | — |
Lines of credit & other |  | — |  |  | 8 months |  | — |
Leases & equipment finance |  | — |  |  | 11 months |  | — |
Residential |  |  |  |  |  |
Mortgage |  | — |  |  | 7.5 years |  | $ | 1 |
The Company closely monitors the performance of loans and leases to borrowers experiencing financial difficulty that are modified to understand the effectiveness of its modification efforts. Loans and leases are considered to be in payment default at 90 or more days past due. The following tables present the amortized cost basis of modified loans that, within twelve months of the modification date, experienced a subsequent default during the periods presented:
|  |  |  |  | Three Months Ended September 30, 2025
(in millions) |  |  |  |  |  | Term Extension |  | Other-Than-Insignificant Payment Delay |  |  |  |  |  | Combination - Term Extension and Other-than-Insignificant Payment Delay |  |  |  | Total |  |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  |  |  |  | $ | 1 |  |  | $ | 4 |  |  |  |  |  |  | $ | 1 |  |  |  |  | $ | 6 |  |  |
Total loans and leases experiencing financial difficulty with a subsequent default |  |  |  |  |  | $ | 1 |  |  | $ | 4 |  |  |  |  |  |  | $ | 1 |  |  |  |  | $ | 6 |  |  |
|  |  |  |  |  | Nine Months Ended September 30, 2025
(in millions) |  |  |  |  |  | Term Extension |  | Other-Than-Insignificant Payment Delay |  |  |  |  |  | Combo - Term Extension and Other-than-Insignificant Payment Delay |  |  |  |  |  | Total
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied term |  |  |  |  |  | $ | — |  |  | $ | 1 |  |  |  |  |  |  | $ | — |  |  |  |  |  |  | $ | 1 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Lines of credit & other |  |  |  |  |  | 1 |  |  | — |  |  |  |  |  |  | 1 |  |  |  |  |  |  | 2 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  |  |  |  | 1 |  |  | 5 |  |  |  |  |  |  | 1 |  |  |  |  |  |  | 7 |
Total loans and leases experiencing financial difficulty with a subsequent default |  |  |  |  |  | $ | 2 |  |  | $ | 6 |  |  |  |  |  |  | $ | 2 |  |  |  |  |  |  | $ | 10 |
|  |  |  |  |  |  |  | Three Months Ended September 30, 2024
(in millions) |  |  |  |  |  |  |  | Other-Than-Insignificant Payment Delay |  | Combination - Interest Rate Reduction and Term Extension |  |  |  |  |  |  |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Lines of credit & other |  |  |  |  |  |  |  | $ | — |  |  | $ | 1 |  |  |  |  |  |  |  |  | $ | 1 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  |  |  |  |  |  | 4 |  |  | — |  |  |  |  |  |  |  |  | 4 |
Total loans and leases experiencing financial difficulty with a subsequent default |  |  |  |  |  |  |  | $ | 4 |  |  | $ | 1 |  |  |  |  |  |  |  |  | $ | 5 |
|  | Nine Months Ended September 30, 2024
(in millions) |  | Interest Rate Reduction |  |  |  |  |  | Other-Than-Insignificant Payment Delay |  | Combination - Interest Rate Reduction and Term Extension |  |  |  |  |  |  |  | Total
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied term |  | $ | 3 |  |  |  |  |  |  | $ | — |  |  | $ | — |  |  |  |  |  |  |  |  | $ | 3 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Lines of credit & other |  | — |  |  |  |  |  |  | — |  |  | 1 |  |  |  |  |  |  |  |  | 1 |
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  | — |  |  |  |  |  |  | 5 |  |  | — |  |  |  |  |  |  |  |  | 5 |
Total loans and leases experiencing financial difficulty with a subsequent default |  | $ | 3 |  |  |  |  |  |  | $ | 5 |  |  | $ | 1 |  |  |  |  |  |  |  |  | $ | 9 |
The following tables present an age analysis of loans and leases as of September 30, 2025 and 2024 that have been modified within the prior twelve months:
|  | September 30, 2025
(in millions) |  | Current |  | Greater than 30 to 59 Days Past Due |  | 60 to 89 Days Past Due |  | 90 Days or Greater Past Due |  | Nonaccrual |  | Total
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied term |  | $ | 25 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 25 |
Owner occupied term |  | 21 |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 22 |
Construction & development |  | 18 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 18 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Term |  | 14 |  |  | 2 |  |  | 4 |  |  | — |  |  | 9 |  |  | 29 |
Lines of credit & other |  | 8 |  |  | 1 |  |  | — |  |  | — |  |  | 5 |  |  | 14 |
Leases & equipment finance |  | 2 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |
Residential |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  | 24 |  |  | — |  |  | 2 |  |  | 5 |  |  | — |  |  | 31 |
Total loans and leases modified |  | $ | 112 |  |  | $ | 3 |  |  | $ | 6 |  |  | $ | 5 |  |  | $ | 15 |  |  | $ | 141 |
|  | September 30, 2024
(in millions) |  | Current |  | Greater than 30 to 59 Days Past Due |  | 60 to 89 Days Past Due |  | 90 Days or Greater Past Due |  | Nonaccrual |  | Total
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied term |  | $ | 47 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 47 |
Owner occupied term |  | 2 |  |  | — |  |  | — |  |  | — |  |  | 4 |  |  | 6 |
Construction & development |  | 2 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Term |  | 10 |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 11 |
Lines of credit & other |  | 51 |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 53 |
Leases & equipment finance |  | 2 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |
Residential |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  | 22 |  |  | — |  |  | 2 |  |  | 5 |  |  | — |  |  | 29 |
Total loans and leases modified |  | $ | 136 |  |  | $ | — |  |  | $ | 2 |  |  | $ | 5 |  |  | $ | 7 |  |  | $ | 150 |
Internal Risk Rating By Loan Class | The following tables present the amortized cost basis of the loans and leases by credit classification and vintage year by loan and lease class of financing receivable, as well as gross charge-offs for the dates presented:
(in millions) |  | Term Loans Amortized Cost Basis by Origination Year |  | Revolving Loans Amortized Cost Basis |  | Revolving to Non-Revolving Loans Amortized Cost |  |  |
| September 30, 2025 |  | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  |  |  | Total |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch |  | $ | 630 |  |  | $ | 285 |  |  | $ | 536 |  |  | $ | 1,734 |  |  | $ | 1,701 |  |  | $ | 3,334 |  |  | $ | 33 |  |  | $ | — |  |  | $ | 8,253 |  |
| Special mention |  | — |  |  | 6 |  |  | — |  |  | 12 |  |  | — |  |  | 43 |  |  | — |  |  | — |  |  | 61 |  |
| Substandard |  | 27 |  |  | — |  |  | 1 |  |  | 22 |  |  | 12 |  |  | 63 |  |  | — |  |  | — |  |  | 125 |  |
| Doubtful |  | — |  |  | — |  |  | — |  |  | 2 |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 3 |  |
| Loss |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | 2 |  |
Total non-owner occupied term |  | $ | 657 |  |  | $ | 291 |  |  | $ | 537 |  |  | $ | 1,770 |  |  | $ | 1,714 |  |  | $ | 3,442 |  |  | $ | 33 |  |  | $ | — |  |  | $ | 8,444 |  |
Current YTD period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 3 |  |  | $ | — |  |  | $ | — |  |  | $ | 3 |  |
Owner occupied term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch |  | $ | 654 |  |  | $ | 506 |  |  | $ | 519 |  |  | $ | 1,370 |  |  | $ | 1,357 |  |  | $ | 2,513 |  |  | $ | 13 |  |  | $ | 65 |  |  | $ | 6,997 |  |
| Special mention |  | 5 |  |  | 54 |  |  | 2 |  |  | 62 |  |  | 63 |  |  | 57 |  |  | 11 |  |  | — |  |  | 254 |  |
| Substandard |  | 6 |  |  | 6 |  |  | 5 |  |  | 7 |  |  | 21 |  |  | 55 |  |  | — |  |  | 1 |  |  | 101 |  |
| Doubtful |  | — |  |  | 3 |  |  | — |  |  | 3 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 6 |  |
| Loss |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 2 |  |  | — |  |  | — |  |  | 3 |  |
Total owner occupied term |  | $ | 665 |  |  | $ | 569 |  |  | $ | 526 |  |  | $ | 1,442 |  |  | $ | 1,442 |  |  | $ | 2,627 |  |  | $ | 24 |  |  | $ | 66 |  |  | $ | 7,361 |  |
Current YTD period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |
Multifamily |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch |  | $ | 418 |  |  | $ | 338 |  |  | $ | 384 |  |  | $ | 2,795 |  |  | $ | 3,242 |  |  | $ | 3,045 |  |  | $ | 102 |  |  | $ | — |  |  | $ | 10,324 |  |
| Special mention |  | — |  |  | — |  |  | 14 |  |  | 10 |  |  | 2 |  |  | 22 |  |  | — |  |  | — |  |  | 48 |  |
| Substandard |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 2 |  |  | — |  |  | — |  |  | — |  |  | 5 |  |
Total multifamily |  | $ | 418 |  |  | $ | 338 |  |  | $ | 398 |  |  | $ | 2,808 |  |  | $ | 3,246 |  |  | $ | 3,067 |  |  | $ | 102 |  |  | $ | — |  |  | $ | 10,377 |  |
Current YTD period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |
Construction & development |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch |  | $ | 174 |  |  | $ | 494 |  |  | $ | 541 |  |  | $ | 450 |  |  | $ | 97 |  |  | $ | 92 |  |  | $ | 25 |  |  | $ | 2 |  |  | $ | 1,875 |  |
| Special mention |  | 41 |  |  | 20 |  |  | 31 |  |  | 50 |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | 143 |  |
| Substandard |  | 15 |  |  | — |  |  | — |  |  | 38 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 53 |  |
Total construction & development |  | $ | 230 |  |  | $ | 514 |  |  | $ | 572 |  |  | $ | 538 |  |  | $ | 97 |  |  | $ | 92 |  |  | $ | 26 |  |  | $ | 2 |  |  | $ | 2,071 |  |
Current YTD period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |
Residential development |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch |  | $ | 71 |  |  | $ | 73 |  |  | $ | 2 |  |  | $ | 7 |  |  | $ | — |  |  | $ | — |  |  | $ | 202 |  |  | $ | 2 |  |  | $ | 357 |  |
| Special mention |  | — |  |  | — |  |  | — |  |  | 3 |  |  | — |  |  | — |  |  | 7 |  |  | — |  |  | 10 |  |
Total residential development |  | $ | 71 |  |  | $ | 73 |  |  | $ | 2 |  |  | $ | 10 |  |  | $ | — |  |  | $ | — |  |  | $ | 209 |  |  | $ | 2 |  |  | $ | 367 |  |
Current YTD period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |
Total commercial real estate |  | $ | 2,041 |  |  | $ | 1,785 |  |  | $ | 2,035 |  |  | $ | 6,568 |  |  | $ | 6,499 |  |  | $ | 9,228 |  |  | $ | 394 |  |  | $ | 70 |  |  | $ | 28,620 |  |
(in millions) |  | Term Loans Amortized Cost Basis by Origination Year |  | Revolving Loans Amortized Cost Basis |  | Revolving to Non-Revolving Loans Amortized Cost |  |  |
| September 30, 2025 |  | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  |  |  | Total |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch |  | $ | 887 |  |  | $ | 1,000 |  |  | $ | 513 |  |  | $ | 937 |  |  | $ | 850 |  |  | $ | 987 |  |  | $ | 1,142 |  |  | $ | 4 |  |  | $ | 6,320 |  |
| Special mention |  | 3 |  |  | 8 |  |  | 53 |  |  | 66 |  |  | 26 |  |  | 13 |  |  | 35 |  |  | — |  |  | 204 |  |
| Substandard |  | 22 |  |  | 7 |  |  | 1 |  |  | 3 |  |  | 7 |  |  | 6 |  |  | 3 |  |  | 1 |  |  | 50 |  |
| Doubtful |  | 1 |  |  | — |  |  | — |  |  | 4 |  |  | — |  |  | 5 |  |  | — |  |  | — |  |  | 10 |  |
| Loss |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 2 |  |  | 3 |  |  | — |  |  | — |  |  | 6 |  |
Total term |  | $ | 913 |  |  | $ | 1,015 |  |  | $ | 567 |  |  | $ | 1,011 |  |  | $ | 885 |  |  | $ | 1,014 |  |  | $ | 1,180 |  |  | $ | 5 |  |  | $ | 6,590 |  |
Current YTD period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | — |  |  | $ | 1 |  |  | $ | 2 |  |  | $ | — |  |  | $ | — |  |  | $ | 4 |  |
Lines of credit & other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch |  | $ | 54 |  |  | $ | 89 |  |  | $ | 31 |  |  | $ | 52 |  |  | $ | 16 |  |  | $ | 20 |  |  | $ | 3,056 |  |  | $ | 87 |  |  | $ | 3,405 |  |
| Special mention |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 111 |  |  | 1 |  |  | 113 |  |
| Substandard |  | 4 |  |  | 17 |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 25 |  |  | 16 |  |  | 63 |  |
| Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | 1 |  |
Total lines of credit & other |  | $ | 59 |  |  | $ | 106 |  |  | $ | 31 |  |  | $ | 53 |  |  | $ | 16 |  |  | $ | 20 |  |  | $ | 3,193 |  |  | $ | 104 |  |  | $ | 3,582 |  |
Current YTD period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs |  | $ | — |  |  | $ | 15 |  |  | $ | — |  |  | $ | 1 |  |  | $ | — |  |  | $ | 1 |  |  | $ | 7 |  |  | $ | 4 |  |  | $ | 28 |  |
Leases & equipment finance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch |  | $ | 458 |  |  | $ | 462 |  |  | $ | 316 |  |  | $ | 189 |  |  | $ | 50 |  |  | $ | 38 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,513 |  |
| Special mention |  | 2 |  |  | 5 |  |  | 5 |  |  | 3 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 16 |  |
| Substandard |  | 4 |  |  | 6 |  |  | 35 |  |  | 9 |  |  | 2 |  |  | — |  |  | — |  |  | — |  |  | 56 |  |
| Doubtful |  | 1 |  |  | 7 |  |  | 9 |  |  | 8 |  |  | 3 |  |  | — |  |  | — |  |  | — |  |  | 28 |  |
| Loss |  | — |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |
Total leases & equipment finance |  | $ | 465 |  |  | $ | 481 |  |  | $ | 365 |  |  | $ | 209 |  |  | $ | 56 |  |  | $ | 38 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,614 |  |
Current YTD period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs |  | $ | — |  |  | $ | 11 |  |  | $ | 18 |  |  | $ | 18 |  |  | $ | 6 |  |  | $ | 3 |  |  | $ | — |  |  | $ | — |  |  | $ | 56 |  |
Total commercial |  | $ | 1,437 |  |  | $ | 1,602 |  |  | $ | 963 |  |  | $ | 1,273 |  |  | $ | 957 |  |  | $ | 1,072 |  |  | $ | 4,373 |  |  | $ | 109 |  |  | $ | 11,786 |  |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch |  | $ | 187 |  |  | $ | 274 |  |  | $ | 186 |  |  | $ | 1,670 |  |  | $ | 1,866 |  |  | $ | 1,464 |  |  | $ | — |  |  | $ | — |  |  | $ | 5,647 |  |
| Special mention |  | 2 |  |  | — |  |  | 1 |  |  | 2 |  |  | 2 |  |  | 5 |  |  | — |  |  | — |  |  | 12 |  |
| Substandard |  | 1 |  |  | 2 |  |  | 1 |  |  | 6 |  |  | 7 |  |  | 11 |  |  | — |  |  | — |  |  | 28 |  |
| Loss |  | 2 |  |  | 5 |  |  | 3 |  |  | 5 |  |  | 10 |  |  | 10 |  |  | — |  |  | — |  |  | 35 |  |
Total mortgage |  | $ | 192 |  |  | $ | 281 |  |  | $ | 191 |  |  | $ | 1,683 |  |  | $ | 1,885 |  |  | $ | 1,490 |  |  | $ | — |  |  | $ | — |  |  | $ | 5,722 |  |
Current YTD period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |
(in millions) |  | Term Loans Amortized Cost Basis by Origination Year |  | Revolving Loans Amortized Cost Basis |  | Revolving to Non-Revolving Loans Amortized Cost |  |  |
| September 30, 2025 |  | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  |  |  | Total |
Home equity loans & lines |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch |  | $ | 1 |  |  | $ | — |  |  | $ | 3 |  |  | $ | 6 |  |  | $ | 2 |  |  | $ | 49 |  |  | $ | 2,039 |  |  | $ | 32 |  |  | $ | 2,132 |  |
| Special mention |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 2 |  |  | 10 |  |  | 1 |  |  | 14 |  |
| Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | — |  |  | 3 |  |
| Loss |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 2 |  |  | 1 |  |  | 4 |  |
Total home equity loans & lines |  | $ | 1 |  |  | $ | — |  |  | $ | 3 |  |  | $ | 7 |  |  | $ | 3 |  |  | $ | 51 |  |  | $ | 2,054 |  |  | $ | 34 |  |  | $ | 2,153 |  |
Current YTD period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | — |  |  | $ | 1 |  |
Total residential |  | $ | 193 |  |  | $ | 281 |  |  | $ | 194 |  |  | $ | 1,690 |  |  | $ | 1,888 |  |  | $ | 1,541 |  |  | $ | 2,054 |  |  | $ | 34 |  |  | $ | 7,875 |  |
Consumer & other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch |  | $ | 16 |  |  | $ | 8 |  |  | $ | 11 |  |  | $ | 7 |  |  | $ | 3 |  |  | $ | 7 |  |  | $ | 128 |  |  | $ | — |  |  | $ | 180 |  |
| Special mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | 1 |  |
Total consumer & other |  | $ | 16 |  |  | $ | 8 |  |  | $ | 11 |  |  | $ | 7 |  |  | $ | 3 |  |  | $ | 7 |  |  | $ | 129 |  |  | $ | — |  |  | $ | 181 |  |
Current YTD period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs |  | $ | 1 |  |  | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | 1 |  |  | $ | — |  |  | $ | 4 |  |
Grand total |  | $ | 3,687 |  |  | $ | 3,676 |  |  | $ | 3,203 |  |  | $ | 9,538 |  |  | $ | 9,347 |  |  | $ | 11,848 |  |  | $ | 6,950 |  |  | $ | 213 |  |  | $ | 48,462 |  |
(in millions) |  | Term Loans Amortized Cost Basis by Origination Year |  | Revolving Loans Amortized Cost Basis |  | Revolving to Non-Revolving Loans Amortized Cost |  |
| December 31, 2024 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  |  |  | Total
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch |  | $ | 290 |  |  | $ | 564 |  |  | $ | 1,246 |  |  | $ | 1,132 |  |  | $ | 569 |  |  | $ | 2,289 |  |  | $ | 26 |  |  | $ | 12 |  |  | $ | 6,128 |
| Special mention |  | — |  |  | — |  |  | 9 |  |  | 1 |  |  | — |  |  | 21 |  |  | — |  |  | — |  |  | 31 |
| Substandard |  | 7 |  |  | 31 |  |  | 21 |  |  | — |  |  | — |  |  | 56 |  |  | — |  |  | — |  |  | 115 |
| Doubtful |  | — |  |  | — |  |  | 2 |  |  | 1 |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 4 |
Total non-owner occupied term |  | $ | 297 |  |  | $ | 595 |  |  | $ | 1,278 |  |  | $ | 1,134 |  |  | $ | 569 |  |  | $ | 2,367 |  |  | $ | 26 |  |  | $ | 12 |  |  | $ | 6,278 |
Prior Year End period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 3 |  |  | $ | — |  |  | $ | — |  |  | $ | 3 |
Owner occupied term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch |  | $ | 526 |  |  | $ | 499 |  |  | $ | 1,015 |  |  | $ | 867 |  |  | $ | 398 |  |  | $ | 1,639 |  |  | $ | 79 |  |  | $ | 5 |  |  | $ | 5,028 |
| Special mention |  | — |  |  | 1 |  |  | 23 |  |  | 81 |  |  | 18 |  |  | 39 |  |  | 2 |  |  | — |  |  | 164 |
| Substandard |  | 4 |  |  | 8 |  |  | 8 |  |  | 4 |  |  | 20 |  |  | 25 |  |  | — |  |  | — |  |  | 69 |
| Doubtful |  | 3 |  |  | — |  |  | 3 |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 7 |
| Loss |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 2 |
Total owner occupied term |  | $ | 533 |  |  | $ | 508 |  |  | $ | 1,050 |  |  | $ | 952 |  |  | $ | 436 |  |  | $ | 1,705 |  |  | $ | 81 |  |  | $ | 5 |  |  | $ | 5,270 |
Prior Year End period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |
Multifamily |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch |  | $ | 169 |  |  | $ | 254 |  |  | $ | 1,995 |  |  | $ | 1,634 |  |  | $ | 406 |  |  | $ | 1,224 |  |  | $ | 93 |  |  | $ | — |  |  | $ | 5,775 |
| Special mention |  | — |  |  | — |  |  | 4 |  |  | 7 |  |  | — |  |  | 12 |  |  | — |  |  | — |  |  | 23 |
| Substandard |  | — |  |  | — |  |  | 3 |  |  | 2 |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 6 |
Total multifamily |  | $ | 169 |  |  | $ | 254 |  |  | $ | 2,002 |  |  | $ | 1,643 |  |  | $ | 406 |  |  | $ | 1,237 |  |  | $ | 93 |  |  | $ | — |  |  | $ | 5,804 |
Prior Year End period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Construction & development |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch |  | $ | 473 |  |  | $ | 504 |  |  | $ | 747 |  |  | $ | 129 |  |  | $ | 79 |  |  | $ | 19 |  |  | $ | 14 |  |  | $ | — |  |  | $ | 1,965 |
| Special mention |  | 2 |  |  | — |  |  | 1 |  |  | 15 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 18 |
Total construction & development |  | $ | 475 |  |  | $ | 504 |  |  | $ | 748 |  |  | $ | 144 |  |  | $ | 79 |  |  | $ | 19 |  |  | $ | 14 |  |  | $ | — |  |  | $ | 1,983 |
Prior Year End period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Residential development |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch |  | $ | 62 |  |  | $ | 6 |  |  | $ | 5 |  |  | $ | 1 |  |  | $ | — |  |  | $ | 1 |  |  | $ | 154 |  |  | $ | 3 |  |  | $ | 232 |
Total residential development |  | $ | 62 |  |  | $ | 6 |  |  | $ | 5 |  |  | $ | 1 |  |  | $ | — |  |  | $ | 1 |  |  | $ | 154 |  |  | $ | 3 |  |  | $ | 232 |
Prior Year End period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Total commercial real estate |  | $ | 1,536 |  |  | $ | 1,867 |  |  | $ | 5,083 |  |  | $ | 3,874 |  |  | $ | 1,490 |  |  | $ | 5,329 |  |  | $ | 368 |  |  | $ | 20 |  |  | $ | 19,567 |
(in millions) |  | Term Loans Amortized Cost Basis by Origination Year |  | Revolving Loans Amortized Cost Basis |  | Revolving to Non-Revolving Loans Amortized Cost |  |
| December 31, 2024 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  |  |  | Total
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch |  | $ | 827 |  |  | $ | 650 |  |  | $ | 1,047 |  |  | $ | 789 |  |  | $ | 297 |  |  | $ | 619 |  |  | $ | 1,080 |  |  | $ | 21 |  |  | $ | 5,330 |
| Special mention |  | 2 |  |  | 48 |  |  | 26 |  |  | 8 |  |  | — |  |  | 14 |  |  | 37 |  |  | — |  |  | 135 |
| Substandard |  | 25 |  |  | 2 |  |  | 10 |  |  | 5 |  |  | 3 |  |  | 10 |  |  | — |  |  | — |  |  | 55 |
| Doubtful |  | 1 |  |  | 1 |  |  | 4 |  |  | 4 |  |  | 1 |  |  | 2 |  |  | — |  |  | — |  |  | 13 |
| Loss |  | — |  |  | — |  |  | 1 |  |  | 1 |  |  | 1 |  |  | 2 |  |  | — |  |  | — |  |  | 5 |
Total term |  | $ | 855 |  |  | $ | 701 |  |  | $ | 1,088 |  |  | $ | 807 |  |  | $ | 302 |  |  | $ | 647 |  |  | $ | 1,117 |  |  | $ | 21 |  |  | $ | 5,538 |
Prior Year End period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs |  | $ | 1 |  |  | $ | 3 |  |  | $ | 2 |  |  | $ | 1 |  |  | $ | 1 |  |  | $ | 1 |  |  | $ | 4 |  |  | $ | — |  |  | $ | 13 |
Lines of credit & other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch |  | $ | 99 |  |  | $ | 42 |  |  | $ | 55 |  |  | $ | 19 |  |  | $ | 9 |  |  | $ | 10 |  |  | $ | 2,382 |  |  | $ | 16 |  |  | $ | 2,632 |
| Special mention |  | — |  |  | 2 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 31 |  |  | 4 |  |  | 38 |
| Substandard |  | 34 |  |  | 2 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 54 |  |  | 9 |  |  | 100 |
Total lines of credit & other |  | $ | 133 |  |  | $ | 46 |  |  | $ | 57 |  |  | $ | 19 |  |  | $ | 9 |  |  | $ | 10 |  |  | $ | 2,467 |  |  | $ | 29 |  |  | $ | 2,770 |
Prior Year End period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs |  | $ | — |  |  | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | 20 |  |  | $ | 3 |  |  | $ | 25 |
Leases & equipment finance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch |  | $ | 603 |  |  | $ | 457 |  |  | $ | 296 |  |  | $ | 102 |  |  | $ | 32 |  |  | $ | 46 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,536 |
| Special mention |  | 10 |  |  | 39 |  |  | 9 |  |  | 2 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 61 |
| Substandard |  | 5 |  |  | 9 |  |  | 9 |  |  | 3 |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | 28 |
| Doubtful |  | 4 |  |  | 10 |  |  | 14 |  |  | 5 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 34 |
| Loss |  | — |  |  | 1 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |
Total leases & equipment finance |  | $ | 622 |  |  | $ | 516 |  |  | $ | 329 |  |  | $ | 112 |  |  | $ | 35 |  |  | $ | 47 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,661 |
Prior Year End period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs |  | $ | 2 |  |  | $ | 23 |  |  | $ | 49 |  |  | $ | 19 |  |  | $ | 5 |  |  | $ | 3 |  |  | $ | — |  |  | $ | — |  |  | $ | 101 |
Total commercial |  | $ | 1,610 |  |  | $ | 1,263 |  |  | $ | 1,474 |  |  | $ | 938 |  |  | $ | 346 |  |  | $ | 704 |  |  | $ | 3,584 |  |  | $ | 50 |  |  | $ | 9,969 |
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch |  | $ | 236 |  |  | $ | 232 |  |  | $ | 1,777 |  |  | $ | 2,097 |  |  | $ | 473 |  |  | $ | 1,042 |  |  | $ | — |  |  | $ | — |  |  | $ | 5,857 |
| Special mention |  | 2 |  |  | 3 |  |  | 2 |  |  | 3 |  |  | 1 |  |  | 8 |  |  | — |  |  | — |  |  | 19 |
| Substandard |  | 3 |  |  | 5 |  |  | 5 |  |  | 11 |  |  | 2 |  |  | 16 |  |  | — |  |  | — |  |  | 42 |
| Loss |  | 1 |  |  | 2 |  |  | 4 |  |  | 4 |  |  | 1 |  |  | 3 |  |  | — |  |  | — |  |  | 15 |
Total mortgage |  | $ | 242 |  |  | $ | 242 |  |  | $ | 1,788 |  |  | $ | 2,115 |  |  | $ | 477 |  |  | $ | 1,069 |  |  | $ | — |  |  | $ | — |  |  | $ | 5,933 |
Prior Year End period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | 2 |
(in millions) |  | Term Loans Amortized Cost Basis by Origination Year |  | Revolving Loans Amortized Cost Basis |  | Revolving to Non-Revolving Loans Amortized Cost |  |
| December 31, 2024 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  |  |  | Total
Home equity loans & lines |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch |  | $ | 1 |  |  | $ | 1 |  |  | $ | 2 |  |  | $ | 1 |  |  | $ | 1 |  |  | $ | 38 |  |  | $ | 1,941 |  |  | $ | 30 |  |  | $ | 2,015 |
| Special mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 8 |  |  | 1 |  |  | 10 |
| Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 1 |  |  | 2 |
| Loss |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 2 |  |  | 2 |  |  | 5 |
Total home equity loans & lines |  | $ | 1 |  |  | $ | 1 |  |  | $ | 2 |  |  | $ | 1 |  |  | $ | 1 |  |  | $ | 40 |  |  | $ | 1,952 |  |  | $ | 34 |  |  | $ | 2,032 |
Prior Year End period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Total residential |  | $ | 243 |  |  | $ | 243 |  |  | $ | 1,790 |  |  | $ | 2,116 |  |  | $ | 478 |  |  | $ | 1,109 |  |  | $ | 1,952 |  |  | $ | 34 |  |  | $ | 7,965 |
Consumer & other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit quality indicator: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Pass/Watch |  | $ | 22 |  |  | $ | 16 |  |  | $ | 10 |  |  | $ | 5 |  |  | $ | 3 |  |  | $ | 5 |  |  | $ | 117 |  |  | $ | 1 |  |  | $ | 179 |
| Special mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | 1 |
Total consumer & other |  | $ | 22 |  |  | $ | 16 |  |  | $ | 10 |  |  | $ | 5 |  |  | $ | 3 |  |  | $ | 5 |  |  | $ | 118 |  |  | $ | 1 |  |  | $ | 180 |
Prior Year End period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Gross charge-offs |  | $ | — |  |  | $ | 3 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2 |  |  | $ | 1 |  |  | $ | 6 |
Grand total |  | $ | 3,411 |  |  | $ | 3,389 |  |  | $ | 8,357 |  |  | $ | 6,933 |  |  | $ | 2,317 |  |  | $ | 7,147 |  |  | $ | 6,022 |  |  | $ | 105 |  |  | $ | 37,681 |

X
- Definition Collateral Dependent Loans and Leases + References No definition available. + Details
Name: | colb_CollateralDependentLoansAndLeasesTableTextBlock
Namespace Prefix: | colb_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Economic forecast Model Variables + References No definition available. + Details
Name: | colb_EconomicForecastModelVariablesTableTextBlock
Namespace Prefix: | colb_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 14 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-14 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 80 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-80 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable modified for debtor experiencing financial difficulty. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 12A -Publisher FASB -URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A Reference 4: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 34 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-34 Reference 5: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 33 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-33 + Details
Name: | us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration