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Loans and Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2024

Receivables [Abstract]

Schedule of Current, Accruing Past Due, and Non-accrual Loans

The following tables provide a summary of current, accruing past due, and non-accrual loans by portfolio class as of June 30, 2024 and December 31, 2023.

			June 30, 2024
(in thousands)			Current						Accruing 30-89 Days Past Due						Accruing 90 Days or Greater Past Due						Total Accruing Past Due						Non-accrual with an ALL						Non-accrual without an ALL						Total
Commercial, financial and agricultural			$	14,386,965					$	10,292					$	2,244					$	12,536					$	82,602					$	37,505					$	14,519,608
Owner-occupied			7,961,449						4,578						—						4,578						30,004						20,973						8,017,004
Total commercial and industrial(1)			22,348,414						14,870						2,244						17,114						112,606						58,478						22,536,612
Investment properties			11,238,010						78,115						356						78,471						10,004						1,564						11,328,049
1-4 family properties			548,220						1,267						—						1,267						2,878						182						552,547
Land and development			332,087						1,895						—						1,895						909						—						334,891
Total commercial real estate			12,118,317						81,277						356						81,633						13,791						1,746						12,215,487
Consumer mortgages			5,316,899						5,913						—						5,913						48,352						—						5,371,164
Home equity			1,787,853						10,107						33						10,140						14,947						—						1,812,940
Credit cards			175,418						1,665						1,806						3,471						—						—						178,889
Other consumer loans			960,631						11,467						21						11,488						6,186						—						978,305
Total consumer			8,240,801						29,152						1,860						31,012						69,485						—						8,341,298
Loans, net of deferred fees and costs(2)			$	42,707,532					$	125,299					$	4,460					$	129,759					$	195,882					$	60,224					$	43,093,397

                                                                                                                                                                                                                                                                                                                                                                        

			December 31, 2023
(in thousands)			Current						Accruing 30-89 Days Past Due						Accruing 90 Days or Greater Past Due						Total Accruing Past Due						Non-accrual with an ALL						Non-accrual without an ALL						Total
Commercial, financial and agricultural			$	14,355,414					$	12,264					$	1,797					$	14,061					$	66,400					$	23,470					$	14,459,345
Owner-occupied			8,041,573						6,056						149						6,205						70,784						20,586						8,139,148
Total commercial and industrial(1)			22,396,987						18,320						1,946						20,266						137,184						44,056						22,598,493
Investment properties			11,322,516						740						278						1,018						12,796						26,974						11,363,304
1-4 family properties			595,359						87						—						87						2,605						451						598,502
Land and development			353,477						671						—						671						804						—						354,952
Total commercial real estate			12,271,352						1,498						278						1,776						16,205						27,425						12,316,758
Consumer mortgages			5,359,153						6,462						—						6,462						46,108						—						5,411,723
Home equity			1,785,836						10,374						716						11,090						10,473						—						1,807,399
Credit cards			190,299						1,818						2,024						3,842						—						—						194,141
Other consumer loans			1,053,587						15,574						89						15,663						6,697						29						1,075,976
Total consumer			8,388,875						34,228						2,829						37,057						63,278						29						8,489,239
Loans, net of deferred fees and costs(2)			$	43,057,214					$	54,046					$	5,053					$	59,099					$	216,667					$	71,510					$	43,404,490

(1) Includes senior housing loans of $3.02 billion and $3.28 billion at June 30, 2024 and December 31, 2023, respectively, which are primarily classified as owner-occupied in accordance with our underwriting process.

(2) The amortized cost basis of loans, net of deferred fees and costs excludes accrued interest receivable of $249.9 million and $256.3 million at June 30, 2024 and December 31, 2023, respectively, which is presented as a component of other assets on the consolidated balance sheets.

Schedule of Loan Portfolio Credit Exposure

The following table summarizes each loan portfolio class by risk grade and origination year as of June 30, 2024 and December 31, 2023 as required under CECL.

			June 30, 2024
			Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans
(in thousands)			2024						2023						2022						2021						2020						Prior						Amortized Cost Basis						Converted to Term Loans						Total
Commercial, financial and agricultural
Pass			$	626,567					$	1,098,785					$	911,677					$	1,320,817					$	730,590					$	1,728,030					$	7,468,133					$	62,057					$	13,946,656
Special Mention			333						8,268						5,942						17,953						858						10,710						143,327						1,807						189,198
Substandard			22,334						20,633						44,640						18,700						37,393						23,669						191,115						3,737						362,221
Doubtful			—						—						—						9,911						390						—						10,684						—						20,985
Loss			—						—						—						—						—						—						548						—						548
Total commercial, financial and agricultural			649,234						1,127,686						962,259						1,367,381						769,231						1,762,409						7,813,807						67,601						14,519,608
Current YTD Period:
Gross charge-offs			1,479						16,013						2,861						8,447						715						2,597						32,293						—						64,405
Owner-occupied
Pass			314,814						947,696						1,545,933						1,369,707						906,405						1,909,641						653,228						—						7,647,424
Special Mention			1,110						1,839						5,249						21,824						34,531						58,147						—						—						122,700
Substandard			193						4,939						39,397						29,460						48,691						71,850						35,944						—						230,474
Doubtful			—						—						—						—						—						—						16,406						—						16,406
Total owner-occupied			316,117						954,474						1,590,579						1,420,991						989,627						2,039,638						705,578						—						8,017,004
Current YTD Period:
Gross charge-offs			—						76						—						—						1,538						6,303						—						—						7,917
Total commercial and industrial			965,351						2,082,160						2,552,838						2,788,372						1,758,858						3,802,047						8,519,385						67,601						22,536,612
Current YTD Period:
Gross charge-offs			$	1,479					$	16,089					$	2,861					$	8,447					$	2,253					$	8,900					$	32,293					$	—					$	72,322
Investment properties
Pass			233,067						697,423						3,391,129						2,691,967						933,578						2,628,003						206,596						—						10,781,763
Special Mention			4						285						71,813						137,073						44,224						70,128						—						—						323,527
Substandard			—						2,975						16,159						135,707						2,054						65,859						—						—						222,754
Loss			—						—						—						—						—						5						—						—						5
Total investment properties			233,071						700,683						3,479,101						2,964,747						979,856						2,763,995						206,596						—						11,328,049
Current YTD Period:
Gross charge-offs			—						—						—						—						—						3,738						—						—						3,738
1-4 family properties
Pass			67,911						115,810						109,798						109,112						30,592						66,683						46,728						—						546,634
Special Mention			—						—						711						491						179						92						—						—						1,473
Substandard			—						749						51						944						285						2,366						45						—						4,440
Total 1-4 family properties			67,911						116,559						110,560						110,547						31,056						69,141						46,773						—						552,547
Current YTD Period:
Gross charge-offs			—						103						—						—						—						133						—						—						236

			June 30, 2024
			Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans
(in thousands)			2024						2023						2022						2021						2020						Prior						Amortized Cost Basis						Converted to Term Loans						Total
Land and development
Pass			52,343						95,588						66,267						28,699						8,969						66,360						12,802						—						331,028
Special Mention			—						—						483						29						—						1,165						—						—						1,677
Substandard			—						561						—						—						195						1,430						—						—						2,186
Total land and development			52,343						96,149						66,750						28,728						9,164						68,955						12,802						—						334,891
Current YTD Period:
Gross charge-offs			—						—						—						—						—						—						—						—						—
Total commercial real estate			353,325						913,391						3,656,411						3,104,022						1,020,076						2,902,091						266,171						—						12,215,487
Current YTD Period:
Gross charge-offs			$	—					$	103					$	—					$	—					$	—					$	3,871					$	—					$	—					$	3,974
Consumer mortgages
Pass			246,139						739,069						725,131						993,128						1,164,849						1,438,748						592						—						5,307,656
Substandard			287						1,880						3,521						6,332						17,396						34,060						—						—						63,476
Loss			—						—						—						—						—						32						—						—						32
Total consumer mortgages			246,426						740,949						728,652						999,460						1,182,245						1,472,840						592						—						5,371,164
Current YTD Period:
Gross charge-offs			—						—						—						—						25						109						—						—						134
Home equity
Pass			—						—						—						—						—						—						1,338,972						455,684						1,794,656
Substandard			—						—						—						—						—						—						11,874						6,161						18,035
Loss			—						—						—						—						—						—						165						84						249
Total home equity			—						—						—						—						—						—						1,351,011						461,929						1,812,940
Current YTD Period:
Gross charge-offs			—						—						—						—						—						—						—						32						32
Credit cards
Pass			—						—						—						—						—						—						177,086						—						177,086
Substandard			—						—						—						—						—						—						524						—						524
Loss			—						—						—						—						—						—						1,279						—						1,279
Total credit cards			—						—						—						—						—						—						178,889						—						178,889
Current YTD Period:
Gross charge-offs			—						—						—						—						—						—						3,892						—						3,892
Other consumer loans
Pass			75,143						98,329						146,434						176,291						94,170						111,612						268,946						—						970,925
Substandard			—						680						1,301						3,382						1,274						636						68						—						7,341
Loss			—						—						12						—						—						—						27						—						39
Total other consumer loans			75,143						99,009						147,747						179,673						95,444						112,248						269,041						—						978,305
Current YTD Period:
Gross charge-offs			19						1,464						2,675						4,267						1,277						1,501						1,302						—						12,505
Total consumer			321,569						839,958						876,399						1,179,133						1,277,689						1,585,088						1,799,533						461,929						8,341,298
Current YTD Period:
Gross charge-offs			$	19					$	1,464					$	2,675					$	4,267					$	1,302					$	1,610					$	5,194					$	32					$	16,563
Loans, net of deferred fees and costs			$	1,640,245					$	3,835,509					$	7,085,648					$	7,071,527					$	4,056,623					$	8,289,226					$	10,585,089					$	529,530					$	43,093,397
Current YTD Period:
Gross charge-offs			$	1,498					$	17,656					$	5,536					$	12,714					$	3,555					$	14,381					$	37,487					$	32					$	92,859

			December 31, 2023
			Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans
(in thousands)			2023						2022						2021						2020						2019						Prior						Amortized Cost Basis						Converted to Term Loans						Total
Commercial, financial and agricultural
Pass			$	1,078,790					$	1,040,742					$	1,408,178					$	782,069					$	636,341					$	1,236,433					$	7,623,255					$	46,908					$	13,852,716
Special Mention			5,298						8,276						20,027						1,950						2,552						8,412						141,580						—						188,095
Substandard			36,557						14,742						35,744						37,186						88,940						21,032						182,069						1,685						417,955
Loss			—						—						—						—						—						355						224						—						579
Total commercial, financial and agricultural			1,120,645						1,063,760						1,463,949						821,205						727,833						1,266,232						7,947,128						48,593						14,459,345
Current YTD Period:
Gross charge-offs			9,367						3,436						8,175						19,532						1,165						2,071						30,696						203						74,645
Owner-occupied
Pass			859,887						1,521,469						1,501,405						958,620						710,634						1,401,416						782,180						—						7,735,611
Special Mention			1,709						9,114						22,562						2,593						4,689						48,640						79,031						—						168,338
Substandard			4,388						24,760						13,616						59,478						17,702						87,306						27,949						—						235,199
Total owner-occupied			865,984						1,555,343						1,537,583						1,020,691						733,025						1,537,362						889,160						—						8,139,148
Current YTD Period:
Gross charge-offs			—						—						433						6,836						1,544						2,862						—						—						11,675
Total commercial and industrial			1,986,629						2,619,103						3,001,532						1,841,896						1,460,858						2,803,594						8,836,288						48,593						22,598,493
Current YTD Period:
Gross charge-offs			$	9,367					$	3,436					$	8,608					$	26,368					$	2,709					$	4,933					$	30,696					$	203					$	86,320
Investment properties
Pass			593,540						3,140,041						2,863,327						1,161,697						1,052,638						1,900,744						261,737						—						10,973,724
Special Mention			—						1,616						169,550						—						48,429						33,903						—						—						253,498
Substandard			2,083						4,070						41,278						1,455						1,622						75,850						—						—						126,358
Doubtful			—						—						—						—						—						9,714						—						—						9,714
Loss			—						—						—						—						—						10						—						—						10
Total investment properties			595,623						3,145,727						3,074,155						1,163,152						1,102,689						2,020,221						261,737						—						11,363,304
Current YTD Period:
Gross charge-offs(1)			546						7,685						5,668						3,801						1,893						22,647						3,109						—						45,349
1-4 family properties
Pass			167,729						142,930						119,054						31,928						29,740						55,243						42,099						—						588,723
Special Mention			3,104						947						—						184						—						311						1						—						4,547
Substandard			1,721						822						643						465						324						1,212						45						—						5,232
Total 1-4 family properties			172,554						144,699						119,697						32,577						30,064						56,766						42,145						—						598,502
Current YTD Period:
Gross charge-offs			—						—						—						—						—						24						—						—						24
Land and development
Pass			105,609						84,962						35,993						16,131						18,616						59,605						888						—						321,804
Special Mention			—						496						—						—						—						774						—						—						1,270
Substandard			29,204						411						74						—						593						1,596						—						—						31,878
Total land and development			134,813						85,869						36,067						16,131						19,209						61,975						888						—						354,952
Current YTD Period:
Gross charge-offs			—						—						—						77						—						—						—						—						77
Total commercial real estate			902,990						3,376,295						3,229,919						1,211,860						1,151,962						2,138,962						304,770						—						12,316,758
Current YTD Period:
Gross charge-offs			$	546					$	7,685					$	5,668					$	3,878					$	1,893					$	22,671					$	3,109					$	—					$	45,450

			December 31, 2023
			Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans
(in thousands)			2023						2022						2021						2020						2019						Prior						Amortized Cost Basis						Converted to Term Loans						Total
Consumer mortgages
Pass			$	757,485					$	784,898					$	1,044,442					$	1,219,397					$	410,511					$	1,136,541					$	35					$	—					$	5,353,309
Substandard			564						2,810						5,517						15,913						9,478						23,662						—						—						57,944
Loss			—						—						—						—						—						470						—						—						470
Total consumer mortgages			758,049						787,708						1,049,959						1,235,310						419,989						1,160,673						35						—						5,411,723
Current YTD Period:
Gross charge-offs			—						108						251						403						402						965						5						—						2,134
Home equity
Pass			—						—						—						—						—						—						1,308,934						482,679						1,791,613
Substandard			—						—						—						—						—						—						10,231						5,297						15,528
Loss			—						—						—						—						—						—						174						84						258
Total home equity			—						—						—						—						—						—						1,319,339						488,060						1,807,399
Current YTD Period:
Gross charge-offs			—						—						—						—						—						79						819						229						1,127
Credit cards
Pass			—						—						—						—						—						—						192,217						—						192,217
Substandard			—						—						—						—						—						—						702						—						702
Loss			—						—						—						—						—						—						1,222						—						1,222
Total credit cards			—						—						—						—						—						—						194,141						—						194,141
Current YTD Period:
Gross charge-offs			—						—						—						—						—						—						7,165						—						7,165
Other consumer loans
Pass			134,969						181,455						219,415						114,006						28,256						112,724						277,368						—						1,068,193
Substandard			573						963						3,811						1,182						568						494						192						—						7,783
Total other consumer loans			135,542						182,418						223,226						115,188						28,824						113,218						277,560						—						1,075,976
Current YTD Period:
Gross charge-offs(1)			627						6,040						24,231						3,625						1,971						2,026						2,358						—						40,878
Total consumer			893,591						970,126						1,273,185						1,350,498						448,813						1,273,891						1,791,075						488,060						8,489,239
Current YTD Period:
Gross charge-offs			$	627					$	6,148					$	24,482					$	4,028					$	2,373					$	3,070					$	10,347					$	229					$	51,304
Loans, net of deferred fees and costs			$	3,783,210					$	6,965,524					$	7,504,636					$	4,404,254					$	3,061,633					$	6,216,447					$	10,932,133					$	536,653					$	43,404,490
Current YTD Period:
Gross charge-offs			$	10,540					$	17,269					$	38,758					$	34,274					$	6,975					$	30,674					$	44,152					$	432					$	183,074

(1)    Includes $31.3 million in gross charge-offs related to the transfer of certain loans to held for sale that sold during 2023.

Schedule of Financing Receivable, Allowance for Credit Loss

The following tables detail the changes in the ALL by loan segment for the three and six months ended June 30, 2024 and 2023. During the three and six months ended June 30, 2024, Synovus had no significant transfers to loans held for sale. During the three and six months ended June 30, 2023, Synovus charged-off $1.3 million and $7.9 million in previously established reserves for credit losses associated with the transfer of $3.8 million and $427.9 million, respectively, in certain third-party consumer loans to held for sale as part of our overall balance sheet management strategy.

			As Of and For the Three Months Ended June 30, 2024
(in thousands)			Commercial & Industrial						Commercial Real Estate						Consumer						Total
Allowance for loan losses:
Beginning balance at March 31, 2024			$	213,482					$	152,627					$	126,552					$	492,661
Charge-offs			(34,379)						(263)						(7,649)						(42,291)
Recoveries			4,589						462						2,755						7,806
Provision for (reversal of) loan losses			37,038						(11,146)						1,033						26,925
Ending balance at June 30, 2024			$	220,730					$	141,680					$	122,691					$	485,101
			As Of and For the Three Months Ended June 30, 2023
(in thousands)			Commercial & Industrial						Commercial Real Estate						Consumer						Total
Allowance for loan losses:
Beginning balance at March 31, 2023			$	158,688					$	160,392					$	137,930					$	457,010
Charge-offs			(22,841)						(5)						(13,410)						(36,256)
Recoveries			6,402						378						3,080						9,860
Provision for (reversal of) loan losses			17,738						8,961						13,925						40,624
Ending balance at June 30, 2023			$	159,987					$	169,726					$	141,525					$	471,238
			As Of and For the Six Months Ended June 30, 2024
(in thousands)			Commercial & Industrial						Commercial Real Estate						Consumer						Total
Allowance for loan losses:
Beginning balance at December 31, 2023			$	218,970					$	133,758					$	126,657					$	479,385
Charge-offs			(72,322)						(3,974)						(16,563)						(92,859)
Recoveries			7,877						1,229						4,912						14,018
Provision for (reversal of) loan losses			66,205						10,667						7,685						84,557
Ending balance at June 30, 2024			$	220,730					$	141,680					$	122,691					$	485,101
			As Of and For the Six Months Ended June 30, 2023
(in thousands)			Commercial & Industrial						Commercial Real Estate						Consumer						Total
Allowance for loan losses:
Beginning balance at December 31, 2022			$	161,550					$	143,575					$	138,299					$	443,424
Charge-offs			(30,714)						(101)						(30,776)						(61,591)
Recoveries			9,878						662						6,105						16,645
Provision for (reversal of) loan losses			19,273						25,590						27,897						72,760
Ending balance at June 30, 2023			$	159,987					$	169,726					$	141,525					$	471,238

Schedule of Amortized Cost Basis of Loans by Loan Portfolio Class

The following tables present the amortized cost of FDM loans by loan portfolio class that were modified during the three and six months ended June 30, 2024 and 2023.

			Three Months Ended June 30, 2024
(in thousands)			Interest Rate Reduction						Term Extension												Payment Delay																		Total						Percentage of Total by Financing Class
Commercial, financial and agricultural			$	—					$	9,109											$	—																	$	9,109					0.1		%
Total commercial and industrial			—						9,109												—																		9,109						—
Total commercial real estate			—						—												—																		—						—
Other consumer loans			58						211												—																		269						—
Total consumer			58						211												—																		269						—
Total FDMs			$	58					$	9,320											$	—																	$	9,378					—		%
			Six Months Ended June 30, 2024
(in thousands)			Interest Rate Reduction						Term Extension												Payment Delay																		Total						Percentage of Total by Financing Class
Commercial, financial and agricultural			$	—					$	11,638											$	—																	$	11,638					0.1		%
Owner-occupied			—						193												—																		193						—
Total commercial and industrial			—						11,831												—																		11,831						0.1
Investment properties			—						2,236												—																		2,236						—
Total commercial real estate			—						2,236												—																		2,236						—
Consumer mortgages			123						—												210																		333						—
Other consumer loans			179						463												—																		642						0.1
Total consumer			302						463												210																		975						—
Total FDMs			$	302					$	14,530											$	210																	$	15,042					—		%

			Three Months Ended June 30, 2023
(in thousands)			Interest Rate Reduction						Term Extension						Principal Forgiveness and Term Extensions												Interest Rate Reduction and Term Extension												Total						Percentage of Total by Financing Class
Commercial, financial and agricultural			$	1,972					$	7,464					$	13,401											$	1,187											$	24,024					0.2		%
Owner-occupied			—						388						—												—												388						—
Total commercial and industrial			1,972						7,852						13,401												1,187												24,412						0.1
Investment properties			—						660						—												—												660						—
1-4 family properties			—						1,680						—												382												2,062						0.3
Land and development			—						—						—												—												—						—
Total commercial real estate			—						2,340						—												382												2,722						—
Consumer mortgages			695						—						—												—												695						—
Home equity			—						339						—												276												615						—
Credit cards			—						—						—												—												—						—
Other consumer loans			2						314						—												256												572						—
Total consumer			697						653						—												532												1,882						—
Total FDMs			$	2,669					$	10,845					$	13,401											$	2,101											$	29,016					0.1		%
			Six Months Ended June 30, 2023
(in thousands)			Interest Rate Reduction						Term Extension						Principal Forgiveness and Term Extensions												Interest Rate Reduction and Term Extension												Total						Percentage of Total by Financing Class
Commercial, financial and agricultural			$	1,972					$	22,297					$	13,401											$	1,428											$	39,098					0.3		%
Owner-occupied			—						1,828						—												41,259												43,087						0.5
Total commercial and industrial			1,972						24,125						13,401												42,687												82,185						0.4
Investment properties			—						660						—												—												660						—
1-4 family properties			—						3,006						—												382												3,388						0.6
Land and development			—						—						—												—												—						—
Total commercial real estate			—						3,666						—												382												4,048						—
Consumer mortgages			807						—						—												—												807						—
Home equity			—						426						—												290												716						—
Credit cards			—						—						—												—												—						—
Other consumer loans			2						450						—												482												934						0.1
Total consumer			809						876						—												772												2,457						—
Total FDMs			$	2,781					$	28,667					$	13,401											$	43,841											$	88,690					0.2		%

The following tables present the financial effect of loan modifications made to borrowers experiencing financial difficulty during the three and six months ended June 30, 2024 and 2023.

									Three Months Ended June 30, 2024																		Six Months Ended June 30, 2024
(dollars in thousands)									Weighted Average Interest Rate Reduction						Weighted Average Term Extension (in months)																		Weighted Average Interest Rate Reduction						Weighted Average Term Extension (in months)						Weighted Average Payment Delay (in months)
Commercial, financial and agricultural									—		%				20																		—		%				19						—
Owner-occupied									—						—																		—						60						—
Investment properties									—						—																		—						12						—
Consumer mortgages									—						—																		2.3						—						7
Other consumer loans									7.5						66																		4.0						71						—

			Three Months Ended June 30, 2023																		Six Months Ended June 30, 2023
(dollars in thousands)			Principal Forgiveness and Term Extensions						Weighted Average Interest Rate Reduction						Weighted Average Term Extension (in months)												Principal Forgiveness and Term Extensions						Weighted Average Interest Rate Reduction						Weighted Average Term Extension (in months)
Commercial, financial and agricultural			$	1,200					1.1		%				41												$	1,200					1.2		%				28
Owner-occupied			—						—						17												—						1.7						9
Investment properties			—						—						30												—						—						30
1-4 family properties			—						0.3						12												—						0.3						12
Consumer mortgages			—						1.9						—												—						1.6						—
Home equity			—						0.4						250												—						0.5						262
Other consumer loans			—						2.7						61												—						3.1						64

The following table provides a summary of current, accruing past due, and non-accrual loans on an amortized cost basis by loan portfolio class that have been modified during the 12 months prior to June 30, 2024.

			As of June 30, 2024
(in thousands)			Current						Accruing 30-89 Days Past Due						Accruing 90 Days or Greater Past Due												Non-accrual						Total
Commercial, financial and agricultural			$	40,022					$	1,287					$	—											$	4,487					$	45,796
Owner-occupied			31,892						317						—												260						32,469
Total commercial and industrial			71,914						1,604						—												4,747						78,265
Investment properties			2,544						—						—												—						2,544
1-4 family properties			33						—						—												—						33
Land and development			1,100						—						—												—						1,100
Total commercial real estate			3,677						—						—												—						3,677
Consumer mortgages			542						—						—												1,553						2,095
Home equity			—						—						—												—						—
Credit cards			—						—						—												—						—
Other consumer loans			854						174						—												332						1,360
Total consumer			1,396						174						—												1,885						3,455
Total FDMs			$	76,987					$	1,778					$	—											$	6,632					$	85,397

The following table provides a summary of current, accruing past due, and non-accrual loans on an amortized cost basis by loan portfolio class that were modified on or after January 1, 2023, the date Synovus adopted ASU 2022-02, through June 30, 2023.

			As of June 30, 2023
(in thousands)			Current						Accruing 30-89 Days Past Due						Accruing 90 Days or Greater Past Due												Non-accrual (1)						Total
Commercial, financial and agricultural			$	25,697					$	—					$	—											$	13,401					$	39,098
Owner-occupied			43,087						—						—												—						43,087
Total commercial and industrial			68,784						—						—												13,401						82,185
Investment properties			660						—						—												—						660
1-4 family properties			1,708						—						—												1,680						3,388
Land and development			—						—						—												—						—
Total commercial real estate			2,368						—						—												1,680						4,048
Consumer mortgages			—						—						—												807						807
Home equity			716						—						—												—						716
Credit cards			—						—						—												—						—
Other consumer loans			386						—						—												548						934
Total consumer			1,102						—						—												1,355						2,457
Total FDMs			$	72,254					$	—					$	—											$	16,436					$	88,690

(1)    Loans were on non-accrual when modified and subsequently classified as FDMs.

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