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Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2024

Receivables [Abstract]

Schedule of Current, Accruing Past Due, and Non-Accrual Loans by Portfolio Class

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

			December 31, 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			$	14,352,839					$	12,947					$	10,332					$	23,279					$	98,145					$	24,729					$	14,498,992
Owner-occupied			7,754,052						7,700						36,005						43,705						21,119						13,261						7,832,137
Total commercial and industrial(1)			22,106,891						20,647						46,337						66,984						119,264						37,990						22,331,129
Investment properties			11,105,168						2,006						—						2,006						74,030						—						11,181,204
1-4 family properties			541,897						1,636						—						1,636						2,385						—						545,918
Land and development			284,793						1,113						202						1,315						1,389						—						287,497
Total commercial real estate			11,931,858						4,755						202						4,957						77,804						—						12,014,619
Consumer mortgages			5,228,580						9,362						—						9,362						50,834						—						5,288,776
Home equity			1,800,614						13,131						177						13,308						17,365						—						1,831,287
Credit cards			182,435						1,573						1,863						3,436						—						—						185,871
Other consumer loans			940,608						10,818						13						10,831						5,907						—						957,346
Total consumer			8,152,237						34,884						2,053						36,937						74,106						—						8,263,280
Loans, net of deferred fees and costs(2)(3)			$	42,190,986					$	60,286					$	48,592					$	108,878					$	271,174					$	37,990					$	42,609,028

			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)(3)			$	43,057,214					$	54,046					$	5,053					$	59,099					$	216,667					$	71,510					$	43,404,490

(1)    Includes senior housing loans of $2.94 billion and $3.28 billion at December 31, 2024 and 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 $217.1 million and $256.3 million at December 31, 2024 and 2023, respectively, which is presented as a component of other assets on the consolidated balance sheets. See "Part II - Item 8. Financial Statements and Supplementary Data - Note 6 - Other Assets" in this Report for more information on other assets.

(3)    Loans are presented net of deferred loan fees and costs totaling $34.1 million and $35.9 million at December 31, 2024 and 2023, respectively.

Schedule of Loan Portfolio Class by Regulatory Risk Grade and Origination Year

The following tables summarize each loan portfolio class by regulatory risk grade and origination year as of December 31, 2024 and 2023 as required by CECL.

			December 31, 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			$	1,200,861					$	1,001,989					$	739,134					$	1,195,316					$	629,109					$	1,586,291					$	7,372,228					$	81,796					$	13,806,724
Special Mention			1,555						20,255						17,775						18,403						2,464						36,817						158,968						—						256,237
Substandard			20,920						12,397						59,487						14,694						39,482						17,028						258,070						493						422,571
Doubtful			—						—						—						5,911						—						1,869						5,145						—						12,925
Loss			—						—						—						—						—						—						535						—						535
Total commercial, financial, and agricultural			1,223,336						1,034,641						816,396						1,234,324						671,055						1,642,005						7,794,946						82,289						14,498,992
Current YTD Period:
Gross charge-offs			7,696						16,499						3,786						8,787						997						4,413						53,736						—						95,914
Owner-occupied
Pass			691,899						981,593						1,468,946						1,220,421						872,744						1,621,387						619,519						—						7,476,509
Special Mention			1,099						2,466						65,733						5,397						34,244						12,621						—						—						121,560
Substandard			2,568						5,838						34,147						20,698						49,766						65,147						55,904						—						234,068
Total owner-occupied			695,566						989,897						1,568,826						1,246,516						956,754						1,699,155						675,423						—						7,832,137
Current YTD Period:
Gross charge-offs			—						76						543						304						1,567						17,558						3,426						—						23,474
Total commercial and industrial			1,918,902						2,024,538						2,385,222						2,480,840						1,627,809						3,341,160						8,470,369						82,289						22,331,129
Current YTD Period:
Gross charge-offs			$	7,696					$	16,575					$	4,329					$	9,091					$	2,564					$	21,971					$	57,162					$	—					$	119,388
Investment properties
Pass			769,775						642,808						3,306,914						2,406,325						898,363						2,405,650						227,460						—						10,657,295
Special Mention			4,583						2,211						97,443						200,780						—						68,559						—						—						373,576
Substandard			—						1,689						10,093						83,795						1,466						13,884						—						—						110,927
Doubtful			—						—						—						39,401						—						—						—						—						39,401
Loss			—						—						—						—						—						5						—						—						5
Total investment properties			774,358						646,708						3,414,450						2,730,301						899,829						2,488,098						227,460						—						11,181,204
Current YTD Period:
Gross charge-offs			—						—						527						4,752						—						4,602						—						—						9,881
1-4 family properties
Pass			159,008						79,094						95,050						81,630						28,845						53,167						40,133						—						536,927
Special Mention			—						—						1,060						663						169						1,300						—						—						3,192
Substandard			919						840						1,618						233						287						1,857						45						—						5,799
Total 1-4 family properties			159,927						79,934						97,728						82,526						29,301						56,324						40,178						—						545,918
Current YTD Period:
Gross charge-offs			—						103						—						—						—						143						—						—						246
Land and development
Pass			55,564						87,465						54,214						26,002						4,933						41,749						14,798						—						284,725
Special Mention			—						138						—						25						—						390						—						—						553
Substandard			—						1,347						—						—						153						719						—						—						2,219
Total land and development			55,564						88,950						54,214						26,027						5,086						42,858						14,798						—						287,497
Current YTD Period:
Gross charge-offs			—						—						—						—						35						22						—						—						57
Total commercial real estate			989,849						815,592						3,566,392						2,838,854						934,216						2,587,280						282,436						—						12,014,619
Current YTD Period:
Gross charge-offs			$	—					$	103					$	527					$	4,752					$	35					$	4,767					$	—					$	—					$	10,184

			December 31, 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
Consumer mortgages
Pass			457,176						681,844						670,652						947,395						1,119,610						1,341,463						25						—						5,218,165
Substandard			190						1,872						5,590						7,117						17,918						37,895						—						—						70,582
Loss			—						—						—						—						—						29						—						—						29
Total consumer mortgages			457,366						683,716						676,242						954,512						1,137,528						1,379,387						25						—						5,288,776
Current YTD Period:
Gross charge-offs			—						11						—						3						30						122						—						—						166
Home equity
Pass			—						—						—						—						—						—						1,386,370						424,891						1,811,261
Substandard			—						—						—						—						—						—						11,464						7,729						19,193
Loss			—						—						—						—						—						—						554						279						833
Total home equity			—						—						—						—						—						—						1,398,388						432,899						1,831,287
Current YTD Period:
Gross charge-offs			—						—						—						—						—						—						230						106						336
Credit cards
Pass			—						—						—						—						—						—						184,061						—						184,061
Substandard			—						—						—						—						—						—						701						—						701
Loss			—						—						—						—						—						—						1,109						—						1,109
Total credit cards			—						—						—						—						—						—						185,871						—						185,871
Current YTD Period:
Gross charge-offs			—						—						—						—						—						—						7,153						—						7,153
Other consumer loans
Pass			150,051						81,087						119,274						144,297						78,961						91,802						284,801						—						950,273
Substandard			310						1,046						1,298						2,692						1,132						524						59						—						7,061
Loss			—						—						—						—						—						—						12						—						12
Total other consumer loans			150,361						82,133						120,572						146,989						80,093						92,326						284,872						—						957,346
Current YTD Period:
Gross charge-offs			576						3,740						4,840						7,601						2,140						2,509						2,315						—						23,721
Total consumer			607,727						765,849						796,814						1,101,501						1,217,621						1,471,713						1,869,156						432,899						8,263,280
Current YTD Period:
Gross charge-offs			$	576					$	3,751					$	4,840					$	7,604					$	2,170					$	2,631					$	9,698					$	106					$	31,376
Loans, net of deferred fees and costs			$	3,516,478					$	3,605,979					$	6,748,428					$	6,421,195					$	3,779,646					$	7,400,153					$	10,621,961					$	515,188					$	42,609,028
Current YTD Period:
Gross charge-offs			$	8,272					$	20,429					$	9,696					$	21,447					$	4,769					$	29,369					$	66,860					$	106					$	160,948

			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
Loan, 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 Rollforward of Allowance for Loan Losses

The following tables detail the changes in the ALL by loan segment for the years ended December 31, 2024, 2023, and 2022. For the year ended December 31, 2023, Synovus charged-off $31.3 million in previously established reserves for credit losses associated with the transfer of $1.59 billion in loans to held for sale for the sales of medical office building loans and third-party consumer loans that both closed in 2023. For the years ended December 31, 2024 and 2022, Synovus had no significant transfers to loans held for sale.

						As of and For The Year Ended December 31, 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						(119,388)						(10,184)						(31,376)						(160,948)
Recoveries						17,084						1,905						7,965						26,954
Provision for (reversal of) loan losses						93,859						8,542						39,053						141,454
Ending balance at December 31, 2024						$	210,525					$	134,021					$	142,299					$	486,845

						As of and For The Year Ended December 31, 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						(86,320)						(45,450)						(51,304)						(183,074)
Recoveries						16,664						1,273						11,795						29,732
Provision for (reversal of) loan losses						127,076						34,360						27,867						189,303
Ending balance at December 31, 2023						$	218,970					$	133,758					$	126,657					$	479,385
						As of and For The Year Ended December 31, 2022
(in thousands)						Commercial & Industrial						Commercial Real Estate						Consumer						Total
Allowance for loan losses:
Beginning balance at December 31, 2021						$	188,364					$	97,760					$	141,473					$	427,597
Charge-offs						(42,588)						(3,102)						(38,020)						(83,710)
Recoveries						14,625						1,633						14,296						30,554
Provision for (reversal of) loan losses						1,149						47,284						20,550						68,983
Ending balance at December 31, 2022						$	161,550					$	143,575					$	138,299					$	443,424

Schedule of Amortized Cost of FDM Loans by Loan Portfolio Class, Financial Effect of Loan Modifications, Current, Accruing Past Due, and Non-Accrual Loans on an Amortized Cost Basis by Loan Portfolio Class, and TDRs by Concession Type

The following tables present the amortized cost of FDM loans by loan portfolio class that were modified during the years ended December 31, 2024 and 2023.

			Year Ended December 31, 2024
(in thousands)			Interest Rate Reduction						Term Extension						Principal Forgiveness and Term Extensions						Payment Delay						Interest Rate Reduction and Term Extension												Total						Percentage of Total by Financing Class
Commercial, financial, and agricultural			$	—					$	10,606											$	—					$	—											$	10,606					0.1		%
Owner-occupied			—						183						—						—						13,686												13,869						0.2
Total commercial and industrial			—						10,789						—						—						13,686												24,475						0.1
Investment properties			74,675						2,222						—						—						—												76,897						0.7
Total commercial real estate			74,675						2,222						—						—						—												76,897						0.6
Consumer mortgages			122						—						—						1,878						—												2,000						—
Other consumer loans			179						582						—						4						23												788						0.1
Total consumer			301						582						—						1,882						23												2,788						—
Total FDMs			$	74,976					$	13,593					$	—					$	1,882					$	13,709											$	104,160					0.2		%
			Year Ended December 31, 2023
(in thousands)			Interest Rate Reduction						Term Extension						Principal Forgiveness and Term Extensions						Payment Delay						Interest Rate Reduction and Term Extension												Total						Percentage of Total by Financing Class
Commercial, financial, and agricultural			$	2,844					$	119,764					$	10,504					$	—					$	2,028											$	135,140					0.9		%
Owner-occupied			—						23,739						—						—						52,854												76,593						0.9
Total commercial and industrial			2,844						143,503						10,504						—						54,882												211,733						0.9
Investment properties			—						909						—						—						—												909						—
1-4 family properties			—						2,016						—						—						367												2,383						0.4
Land and development			—						29,760						—						—						—												29,760						8.4
Total commercial real estate			—						32,685						—						—						367												33,052						0.3
Consumer mortgages			2,110						—						—						465						—												2,575						—
Home equity			—						336						—						—						287												623						—
Other consumer loans			115						625						—						189						617												1,546						0.1
Total consumer			2,225						961						—						654						904												4,744						0.1
Total FDMs			$	5,069					$	177,149					$	10,504					$	654					$	56,153											$	249,529					0.6		%

The following presents the financial effect of loan modifications made to borrowers experiencing financial difficulty during the years ended December 31, 2024 and 2023.

									Year Ended December 31, 2024
(Dollars in thousands)									Weighted Average Interest Rate Reduction						Weighted Average Term Extension (in months)						Weighted Average Payment Delay (in months)
Commercial, financial, and agricultural									—		%				12						—
Owner-occupied									2.4						5						—
Investment properties									1.9						12						—
Consumer mortgages									2.3						—						5.5
Home equity									—						—						—
Other consumer loans									4.2						75						6

			Year Ended December 31, 2023
(Dollars in thousands)			Principal Forgiveness and Term Extensions						Weighted Average Interest Rate Reduction						Weighted Average Term Extension (in months)						Weighted Average Payment Delay (in months)
Commercial, financial, and agricultural			$	1,200					2.4		%				14						—
Owner-occupied			—						2.3						10						—
Investment properties			—						—						40						—
1-4 family properties			—						0.4						12						—
Land and development			—						—						4						—
Consumer mortgages			—						2.3						—						6
Home equity			—						0.5						249						—
Other consumer loans			—						5.7						62						2

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 year ended December 31, 2024.

			December 31, 2024
(in thousands)			Current						Accruing 30-89 Days Past Due						Accruing 90 Days or Greater Past Due												Non-accrual (1)						Total
Commercial, financial, and agricultural			$	9,896					$	540					$	—											$	170					$	10,606
Owner-occupied			13,686						—						—												183						13,869
Total commercial and industrial			23,582						540						—												353						24,475
Investment properties			44,115						—						—												32,782						76,897
Total commercial real estate			44,115						—						—												32,782						76,897
Consumer mortgages			210						—						—												1,790						2,000
Other consumer loans			397						106						—												285						788
Total consumer			607						106						—												2,075						2,788
Total FDMs			$	68,304					$	646					$	—											$	35,210					$	104,160

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

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 since January 1, 2023, the date Synovus adopted ASU 2022-02 through December 31, 2023.

			December 31, 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			$	123,843					$	—					$	—											$	11,297					$	135,140
Owner-occupied			75,859						—						—												734						76,593
Total commercial and industrial			199,702						—						—												12,031						211,733
Investment properties			604						—						—												305						909
1-4 family properties			1,174						—						—												1,209						2,383
Land and development			29,760						—						—												—						29,760
Total commercial real estate			31,538						—						—												1,514						33,052
Consumer mortgages			1,423						—						—												1,152						2,575
Home equity			623						—						—												—						623
Other consumer loans			418						372						—												756						1,546
Total consumer			2,464						372						—												1,908						4,744
Total FDMs			$	233,704					$	372					$	—											$	15,453					$	249,529

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

The following table presents, by concession

type, the post-modification balance for loans modified or renewed during the year ended December 31, 2022 that were reported as accruing or non-accruing TDRs.

TDRs by Concession Type
			Year Ended December 31, 2022
(in thousands, except contract data)			Number of Contracts						Below Market Interest Rate						Other Concessions(1)						Total
Commercial, financial, and agricultural			86						$	34,518					$	1,279					$	35,797
Owner-occupied			29						65,956						3,857						69,813
Total commercial and industrial			115						100,474						5,136						105,610
Investment properties			7						5,026						6,610						11,636
1-4 family properties			14						3,850						—						3,850
Land and development			4						3,168						—						3,168
Total commercial real estate			25						12,044						6,610						18,654
Consumer mortgages			10						1,176						266						1,442
Home equity			41						4,836						39						4,875
Other consumer loans			15						—						605						605
Total consumer			66						6,012						910						6,922
Loans, net of deferred fees and costs			206						$	118,530					$	12,656					$	131,186		(2)

(1)    Other concessions generally include term extensions, interest only payments for a period of time, or principal forgiveness, but there was no principal forgiveness for the year ended December 31, 2022.

(2)    No charge-offs were recorded during the year ended December 31, 2022 upon restructuring of these loans.

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