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v3.25.2

LOANS AND LEASES (Tables) | 6 Months Ended
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Jun. 30, 2025
Receivables [Abstract] |
Schedule of Loans and Leases, Net of Unearned Income | Following is a summary of total loans and leases, net of unearned income: TABLE 4.1
(in millions) | June 30, 2025 |  | December 31, 2024
Commercial real estate | $ | 12,686 |  |  | $ | 12,705 |
Commercial and industrial | 7,556 |  |  | 7,550 |
Commercial leases | 774 |  |  | 765 |
Other | 182 |  |  | 144 |
Total commercial loans and leases | 21,198 |  |  | 21,164 |
Direct installment | 2,671 |  |  | 2,676 |
Residential mortgages | 8,595 |  |  | 7,986 |
Indirect installment | 780 |  |  | 739 |
Consumer lines of credit | 1,435 |  |  | 1,374 |
Total consumer loans | 13,481 |  |  | 12,775 |
Total loans and leases, net of unearned income | $ | 34,679 |  |  | $ | 33,939 |
Schedule of Certain Information Relating to Commercial Real Estate Loans | The following table shows occupancy information relating to commercial real estate loans: TABLE 4.2
| June 30, 2025 |  | December 31, 2024
Commercial real estate: |  |  |
Percent owner-occupied | 30.0 | % |  | 29.0 | %
Percent non-owner-occupied | 70.0 |  |  | 71.0 |
Schedule of Loan, Credit Quality Indicators | We use an internal risk rating assigned to a commercial loan or lease at origination, summarized below. TABLE 4.3
Rating Category | Definition
Pass | in general, the condition of the borrower and the performance of the loan is satisfactory or better
Special Mention | in general, the condition of the borrower has deteriorated, requiring an increased level of monitoring
Substandard | in general, the condition of the borrower has significantly deteriorated and the performance of the loan could further deteriorate if deficiencies are not corrected
Doubtful | in general, the condition of the borrower has significantly deteriorated and the collection in full of both principal and interest is highly questionable or improbable
Schedule of Financing Receivables, Originated Year | The following table summarizes the designated loan rating category by loan class including term loans on an amortized cost basis by origination year and year-to-date gross charge-offs by originating year: TABLE 4.4
(in millions) | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total
June 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
COMMERCIAL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 634 |  |  | $ | 1,373 |  |  | $ | 1,714 |  |  | $ | 1,948 |  |  | $ | 1,749 |  |  | $ | 4,099 |  |  | $ | 196 |  |  | $ | 11,713 |
Special Mention | 53 |  |  | 13 |  |  | 18 |  |  | 194 |  |  | 129 |  |  | 219 |  |  | 3 |  |  | 629 |
Substandard | — |  |  | 2 |  |  | 8 |  |  | 58 |  |  | 52 |  |  | 221 |  |  | 3 |  |  | 344 |
Total commercial real estate | 687 |  |  | 1,388 |  |  | 1,740 |  |  | 2,200 |  |  | 1,930 |  |  | 4,539 |  |  | 202 |  |  | 12,686 |
Commercial real estate gross charge-offs | — |  |  | — |  |  | 0.1 |  |  | 3.9 |  |  | 3.6 |  |  | 3.0 |  |  | — |  |  | 10.6 |
Commercial and Industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 813 |  |  | 1,144 |  |  | 927 |  |  | 925 |  |  | 509 |  |  | 1,015 |  |  | 1,719 |  |  | 7,052 |
Special Mention | 9 |  |  | 6 |  |  | 24 |  |  | 25 |  |  | 32 |  |  | 74 |  |  | 129 |  |  | 299 |
Substandard | 1 |  |  | 7 |  |  | 50 |  |  | 12 |  |  | 18 |  |  | 43 |  |  | 74 |  |  | 205 |
Total commercial and industrial | 823 |  |  | 1,157 |  |  | 1,001 |  |  | 962 |  |  | 559 |  |  | 1,132 |  |  | 1,922 |  |  | 7,556 |
Commercial and industrial gross charge-offs | 0.1 |  |  | 0.5 |  |  | 0.3 |  |  | 3.1 |  |  | 0.7 |  |  | 17.7 |  |  | — |  |  | 22.4 |
Commercial Leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 169 |  |  | 234 |  |  | 160 |  |  | 88 |  |  | 50 |  |  | 46 |  |  | — |  |  | 747 |
Special Mention | 1 |  |  | 5 |  |  | 6 |  |  | — |  |  | — |  |  | 5 |  |  | — |  |  | 17 |
Substandard | — |  |  | — |  |  | 5 |  |  | 2 |  |  | 3 |  |  | — |  |  | — |  |  | 10 |
Total commercial leases | 170 |  |  | 239 |  |  | 171 |  |  | 90 |  |  | 53 |  |  | 51 |  |  | — |  |  | 774 |
Commercial leases gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 0.2 |  |  | — |  |  | 0.2 |
Other Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 11 |  |  | — |  |  | 63 |  |  | — |  |  | — |  |  | 5 |  |  | 103 |  |  | 182 |
Total other commercial | 11 |  |  | — |  |  | 63 |  |  | — |  |  | — |  |  | 5 |  |  | 103 |  |  | 182 |
Other commercial gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2.2 |  |  | — |  |  | 2.2 |
Total commercial loans and leases | 1,691 |  |  | 2,784 |  |  | 2,975 |  |  | 3,252 |  |  | 2,542 |  |  | 5,727 |  |  | 2,227 |  |  | 21,198 |
(in millions) | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total
June 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CONSUMER |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 216 |  |  | 312 |  |  | 247 |  |  | 580 |  |  | 638 |  |  | 669 |  |  | — |  |  | 2,662 |
Past due | — |  |  | 1 |  |  | 1 |  |  | 1 |  |  | 1 |  |  | 5 |  |  | — |  |  | 9 |
Total direct installment | 216 |  |  | 313 |  |  | 248 |  |  | 581 |  |  | 639 |  |  | 674 |  |  | — |  |  | 2,671 |
Direct installment gross charge-offs | — |  |  | 0.1 |  |  | 0.2 |  |  | 0.1 |  |  | — |  |  | 0.2 |  |  | — |  |  | 0.6 |
Residential Mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 872 |  |  | 1,691 |  |  | 1,391 |  |  | 1,542 |  |  | 1,369 |  |  | 1,677 |  |  | — |  |  | 8,542 |
Past due | 2 |  |  | 7 |  |  | 10 |  |  | 5 |  |  | 5 |  |  | 24 |  |  | — |  |  | 53 |
Total residential mortgages | 874 |  |  | 1,698 |  |  | 1,401 |  |  | 1,547 |  |  | 1,374 |  |  | 1,701 |  |  | — |  |  | 8,595 |
Residential mortgages gross charge-offs | — |  |  | 0.2 |  |  | 0.3 |  |  | 0.1 |  |  | 0.2 |  |  | 1.0 |  |  | — |  |  | 1.8 |
Indirect Installment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 193 |  |  | 332 |  |  | 21 |  |  | 54 |  |  | 103 |  |  | 63 |  |  | — |  |  | 766 |
Past due | 1 |  |  | 2 |  |  | 1 |  |  | 5 |  |  | 4 |  |  | 1 |  |  | — |  |  | 14 |
Total indirect installment | 194 |  |  | 334 |  |  | 22 |  |  | 59 |  |  | 107 |  |  | 64 |  |  | — |  |  | 780 |
Indirect installment gross charge-offs | — |  |  | 0.4 |  |  | 0.6 |  |  | 1.2 |  |  | 1.2 |  |  | 0.5 |  |  | — |  |  | 3.9 |
Consumer Lines of Credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 4 |  |  | 7 |  |  | 24 |  |  | 46 |  |  | 12 |  |  | 133 |  |  | 1,198 |  |  | 1,424 |
Past due | — |  |  | — |  |  | — |  |  | 1 |  |  | 1 |  |  | 7 |  |  | 2 |  |  | 11 |
Total consumer lines of credit | 4 |  |  | 7 |  |  | 24 |  |  | 47 |  |  | 13 |  |  | 140 |  |  | 1,200 |  |  | 1,435 |
Consumer lines of credit gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 0.6 |  |  | — |  |  | 0.6 |
Total consumer loans | 1,288 |  |  | 2,352 |  |  | 1,695 |  |  | 2,234 |  |  | 2,133 |  |  | 2,579 |  |  | 1,200 |  |  | 13,481 |
Total loans and leases | $ | 2,979 |  |  | $ | 5,136 |  |  | $ | 4,670 |  |  | $ | 5,486 |  |  | $ | 4,675 |  |  | $ | 8,306 |  |  | $ | 3,427 |  |  | $ | 34,679 |
Total charge-offs | $ | 0.1 |  |  | $ | 1.2 |  |  | $ | 1.5 |  |  | $ | 8.4 |  |  | $ | 5.7 |  |  | $ | 25.4 |  |  | $ | — |  |  | $ | 42.3 |
(in millions) | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
COMMERCIAL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,405 |  |  | $ | 1,661 |  |  | $ | 2,025 |  |  | $ | 1,984 |  |  | $ | 1,200 |  |  | $ | 3,235 |  |  | $ | 197 |  |  | $ | 11,707 |
Special Mention | 1 |  |  | 10 |  |  | 177 |  |  | 52 |  |  | 107 |  |  | 181 |  |  | 37 |  |  | 565 |
Substandard | 2 |  |  | 16 |  |  | 119 |  |  | 43 |  |  | 55 |  |  | 195 |  |  | 3 |  |  | 433 |
Total commercial real estate | 1,408 |  |  | 1,687 |  |  | 2,321 |  |  | 2,079 |  |  | 1,362 |  |  | 3,611 |  |  | 237 |  |  | 12,705 |
Commercial real estate gross charge-offs | — |  |  | 0.8 |  |  | 1.0 |  |  | 15.0 |  |  | 10.5 |  |  | 11.3 |  |  | — |  |  | 38.6 |
Commercial and Industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 1,241 |  |  | 1,079 |  |  | 1,074 |  |  | 647 |  |  | 461 |  |  | 669 |  |  | 1,861 |  |  | 7,032 |
Special Mention | 6 |  |  | 20 |  |  | 57 |  |  | 74 |  |  | 12 |  |  | 63 |  |  | 41 |  |  | 273 |
Substandard | 4 |  |  | 50 |  |  | 11 |  |  | 33 |  |  | 8 |  |  | 59 |  |  | 80 |  |  | 245 |
Total commercial and industrial | 1,251 |  |  | 1,149 |  |  | 1,142 |  |  | 754 |  |  | 481 |  |  | 791 |  |  | 1,982 |  |  | 7,550 |
Commercial and industrial gross charge-offs | 0.1 |  |  | 3.9 |  |  | 1.5 |  |  | 1.8 |  |  | 6.0 |  |  | 7.6 |  |  | — |  |  | 20.9 |
Commercial Leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 331 |  |  | 184 |  |  | 106 |  |  | 60 |  |  | 26 |  |  | 39 |  |  | — |  |  | 746 |
Special Mention | — |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  | 2 |
Substandard | — |  |  | 6 |  |  | 2 |  |  | 4 |  |  | 5 |  |  | — |  |  | — |  |  | 17 |
Total commercial leases | 331 |  |  | 191 |  |  | 108 |  |  | 64 |  |  | 31 |  |  | 40 |  |  | — |  |  | 765 |
Commercial leases gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 0.3 |  |  | — |  |  | 0.3 |
Other Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 12 |  |  | 62 |  |  | — |  |  | — |  |  | — |  |  | 5 |  |  | 65 |  |  | 144 |
Total other commercial | 12 |  |  | 62 |  |  | — |  |  | — |  |  | — |  |  | 5 |  |  | 65 |  |  | 144 |
Other commercial gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4.2 |  |  | — |  |  | 4.2 |
Total commercial loans and leases | 3,002 |  |  | 3,089 |  |  | 3,571 |  |  | 2,897 |  |  | 1,874 |  |  | 4,447 |  |  | 2,284 |  |  | 21,164 |
(in millions) | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CONSUMER |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 346 |  |  | 277 |  |  | 621 |  |  | 683 |  |  | 341 |  |  | 396 |  |  | — |  |  | 2,664 |
Past due | — |  |  | 1 |  |  | 3 |  |  | 1 |  |  | 1 |  |  | 6 |  |  | — |  |  | 12 |
Total direct installment | 346 |  |  | 278 |  |  | 624 |  |  | 684 |  |  | 342 |  |  | 402 |  |  | — |  |  | 2,676 |
Direct installment gross charge-offs | — |  |  | 0.2 |  |  | 0.3 |  |  | 0.2 |  |  | — |  |  | 1.1 |  |  | — |  |  | 1.8 |
Residential Mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 1,663 |  |  | 1,478 |  |  | 1,598 |  |  | 1,417 |  |  | 728 |  |  | 1,048 |  |  | — |  |  | 7,932 |
Past due | 2 |  |  | 15 |  |  | 6 |  |  | 5 |  |  | 1 |  |  | 25 |  |  | — |  |  | 54 |
Total residential mortgages | 1,665 |  |  | 1,493 |  |  | 1,604 |  |  | 1,422 |  |  | 729 |  |  | 1,073 |  |  | — |  |  | 7,986 |
Residential mortgages gross charge-offs | 0.1 |  |  | 0.6 |  |  | 0.3 |  |  | 0.2 |  |  | — |  |  | 1.4 |  |  | — |  |  | 2.6 |
Indirect Installment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 396 |  |  | 24 |  |  | 67 |  |  | 142 |  |  | 49 |  |  | 42 |  |  | — |  |  | 720 |
Past due | 1 |  |  | 3 |  |  | 6 |  |  | 6 |  |  | 2 |  |  | 1 |  |  | — |  |  | 19 |
Total indirect installment | 397 |  |  | 27 |  |  | 73 |  |  | 148 |  |  | 51 |  |  | 43 |  |  | — |  |  | 739 |
Indirect installment gross charge-offs | 0.2 |  |  | 1.8 |  |  | 4.5 |  |  | 3.2 |  |  | 0.5 |  |  | 1.6 |  |  | — |  |  | 11.8 |
Consumer Lines of Credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 8 |  |  | 29 |  |  | 51 |  |  | 13 |  |  | 1 |  |  | 117 |  |  | 1,141 |  |  | 1,360 |
Past due | — |  |  | — |  |  | 1 |  |  | 1 |  |  | — |  |  | 10 |  |  | 2 |  |  | 14 |
Total consumer lines of credit | 8 |  |  | 29 |  |  | 52 |  |  | 14 |  |  | 1 |  |  | 127 |  |  | 1,143 |  |  | 1,374 |
Consumer lines of credit gross charge-offs | — |  |  | 0.1 |  |  | 0.1 |  |  | 0.1 |  |  | — |  |  | 1.3 |  |  | — |  |  | 1.6 |
Total consumer loans | 2,416 |  |  | 1,827 |  |  | 2,353 |  |  | 2,268 |  |  | 1,123 |  |  | 1,645 |  |  | 1,143 |  |  | 12,775 |
Total loans and leases | $ | 5,418 |  |  | $ | 4,916 |  |  | $ | 5,924 |  |  | $ | 5,165 |  |  | $ | 2,997 |  |  | $ | 6,092 |  |  | $ | 3,427 |  |  | $ | 33,939 |
Total charge-offs | $ | 0.4 |  |  | $ | 7.4 |  |  | $ | 7.7 |  |  | $ | 20.5 |  |  | $ | 17.0 |  |  | $ | 28.8 |  |  | $ | — |  |  | $ | 81.8 |
Schedule of Age Analysis of Past Due Loans, by Class | The following table provides an analysis of the aging of loans by class. TABLE 4.5
(in millions) | 30-89 Days Past Due |  | > 90 Days Past Due and Still Accruing |  | Non- Accrual |  | Total Past Due |  | Current |  | Total Loans and Leases |  | Non-accrual with No ACL
June 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 8 |  |  | $ | — |  |  | $ | 47 |  |  | $ | 55 |  |  | $ | 12,631 |  |  | $ | 12,686 |  |  | $ | 15 |
Commercial and industrial | 14 |  |  | — |  |  | 53 |  |  | 67 |  |  | 7,489 |  |  | 7,556 |  |  | 20 |
Commercial leases | — |  |  | — |  |  | 3 |  |  | 3 |  |  | 771 |  |  | 774 |  |  | — |
Other | 1 |  |  | 1 |  |  | 2 |  |  | 4 |  |  | 178 |  |  | 182 |  |  | — |
Total commercial loans and leases | 23 |  |  | 1 |  |  | 105 |  |  | 129 |  |  | 21,069 |  |  | 21,198 |  |  | 35 |
Direct installment | 6 |  |  | 1 |  |  | 2 |  |  | 9 |  |  | 2,662 |  |  | 2,671 |  |  | — |
Residential mortgages | 39 |  |  | 10 |  |  | 4 |  |  | 53 |  |  | 8,542 |  |  | 8,595 |  |  | 1 |
Indirect installment | 12 |  |  | — |  |  | 2 |  |  | 14 |  |  | 766 |  |  | 780 |  |  | — |
Consumer lines of credit | 6 |  |  | 1 |  |  | 4 |  |  | 11 |  |  | 1,424 |  |  | 1,435 |  |  | — |
Total consumer loans | 63 |  |  | 12 |  |  | 12 |  |  | 87 |  |  | 13,394 |  |  | 13,481 |  |  | 1 |
Total loans and leases | $ | 86 |  |  | $ | 13 |  |  | $ | 117 |  |  | $ | 216 |  |  | $ | 34,463 |  |  | $ | 34,679 |  |  | $ | 36 |
(in millions) | 30-89 Days Past Due |  | > 90 Days Past Due and Still Accruing |  | Non- Accrual |  | Total Past Due |  | Current |  | Total Loans and Leases |  | Non-accrual with No ACL
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 26 |  |  | $ | — |  |  | $ | 88 |  |  | $ | 114 |  |  | $ | 12,591 |  |  | $ | 12,705 |  |  | $ | 24 |
Commercial and industrial | 10 |  |  | — |  |  | 52 |  |  | 62 |  |  | 7,488 |  |  | 7,550 |  |  | 19 |
Commercial leases | 1 |  |  | — |  |  | 2 |  |  | 3 |  |  | 762 |  |  | 765 |  |  | — |
Other | 1 |  |  | — |  |  | 2 |  |  | 3 |  |  | 141 |  |  | 144 |  |  | — |
Total commercial loans and leases | 38 |  |  | — |  |  | 144 |  |  | 182 |  |  | 20,982 |  |  | 21,164 |  |  | 43 |
Direct installment | 8 |  |  | 2 |  |  | 2 |  |  | 12 |  |  | 2,664 |  |  | 2,676 |  |  | — |
Residential mortgages | 38 |  |  | 9 |  |  | 7 |  |  | 54 |  |  | 7,932 |  |  | 7,986 |  |  | — |
Indirect installment | 16 |  |  | 1 |  |  | 2 |  |  | 19 |  |  | 720 |  |  | 739 |  |  | — |
Consumer lines of credit | 8 |  |  | 2 |  |  | 4 |  |  | 14 |  |  | 1,360 |  |  | 1,374 |  |  | — |
Total consumer loans | 70 |  |  | 14 |  |  | 15 |  |  | 99 |  |  | 12,676 |  |  | 12,775 |  |  | — |
Total loans and leases | $ | 108 |  |  | $ | 14 |  |  | $ | 159 |  |  | $ | 281 |  |  | $ | 33,658 |  |  | $ | 33,939 |  |  | $ | 43 |
Schedule of Non-Performing Assets | Following is a summary of non-performing assets: TABLE 4.6
(dollars in millions) | June 30, 2025 |  | December 31, 2024
Non-accrual loans | $ | 117 |  |  | $ | 159 |
Total non-performing loans and leases | 117 |  |  | 159 |
Other real estate owned | 2 |  |  | 3 |
Total non-performing assets | $ | 119 |  |  | $ | 162 |
Asset quality ratios: |  |  |
Non-performing loans and leases / total loans and leases | 0.34 | % |  | 0.47 | %
Non-performing assets plus 90 days or more past due / total loans and leases plus OREO | 0.38 |  |  | 0.52 |
Schedule of Financing Receivable, Modified | The following table shows the amortized cost basis at the end of the reporting period of the loans modified during the period to borrowers experiencing financial difficulty, disaggregated by class of financing receivable, type of concession granted and the financial effect of the modifications made to borrowers experiencing financial difficulty: TABLE 4.7
(dollars in millions) | Amortized Cost Basis |  | % of Total Class of Financing Receivable |  | Financial Effect
Three Months Ended June 30, 2025 |  |  |
Term Extension |  |  |  |  |
Commercial and industrial | $ | 0.8 |  |  | 0.01 | % |  | The modified loans had an average increase in term of 29 months, extending the maturity date.
Direct installment | 1.0 |  |  | 0.04 |  |  | The modified loans had an average increase in term of 26 months extending the maturity date.
Residential mortgages | 0.8 |  |  | 0.01 |  |  | The modified loans had an average increase in term of 26 months extending the maturity date.
Consumer lines of credit | 0.3 |  |  | 0.02 |  |  | The modified loans had an average increase in term of 170 months extending the maturity date.
Total | 2.9 |  |  |  |  |
Other |  |  |  |  |
Commercial real estate | 1.3 |  |  | 0.01 |  |  | The majority resulted in a 3-month deferral on principal payments.
Commercial and industrial | 0.9 |  |  | 0.01 |  |  | The majority resulted in a 3-month deferral on principal payments.
Total | 2.2 |  |  |  |  |
Total Outstanding Modified | $ | 5.1 |  |  |  |  |
Six Months Ended June 30, 2025 |  |  |
Term Extension |  |  |  |  |
Commercial real estate | $ | 1.5 |  |  | 0.01 | % |  | The modified loans had an average increase in term of 2 months, extending the maturity date.
Commercial and industrial | 0.8 |  |  | 0.01 |  |  | The modified loans had an average increase in term of 29 months, extending the maturity date.
Direct installment | 1.5 |  |  | 0.06 |  |  | The modified loans had an average increase in term of 21 months, extending the maturity date.
Residential mortgages | 2.9 |  |  | 0.03 |  |  | The modified loans had an average increase in term of 27 months, extending the maturity date.
Consumer lines of credit | 0.4 |  |  | 0.03 |  |  | The modified loans had an average increase in term of 181 months, extending the maturity date.
Total | 7.1 |  |  |  |  |
Term Extension and Rate Reduction |  |  |  |  |
Residential mortgages | 1.3 |  |  | 0.02 |  |  | The term was extended, with weighted average yield reductions of 100 basis points to 450 basis points with extensions up to 27 years.
Total | 1.3 |  |  |  |  |
Other |  |  |  |  |
Commercial real estate | 1.3 |  |  | 0.01 |  |  | The majority resulted in a 3-month deferral on principal payments.
Commercial and industrial | 1.0 |  |  | 0.01 |  |  | The majority resulted in a 3-month deferral on principal payments.
Total | 2.3 |  |  |  |  |
Total Outstanding Modified | $ | 10.7 |  |  |  |  |
(dollars in millions) | Amortized Cost Basis |  | % of Total Class of Financing Receivable |  | Financial Effect
Three Months Ended June 30, 2024 |  |  |
Term Extension |  |  |  |  |
Direct installment | $ | 0.7 |  |  | 0.03 | % |  | The modified loans had an average increase in term of 41 months, extending the maturity date.
Residential mortgages | 3.4 |  |  | 0.05 |  |  | The modified loans had an average increase in term of 24 months, extending the maturity date.
Consumer lines of credit | 0.5 |  |  | 0.04 |  |  | The modified loans had an average increase in term of 162 months extending the maturity date.
Total | 4.6 |  |  |  |  |
Term Extension and Rate Reduction |  |  |  |  |
Residential mortgages | 0.2 |  |  | — |  |  | Multiple modifications were made with no material financial effect.
Consumer lines of credit | 0.2 |  |  | 0.02 |  |  | Multiple modifications were made with no material financial effect.
Total | 0.4 |  |  |  |  |
Other |  |  |  |  |
Commercial real estate | 0.1 |  |  | — |  |  | 3 to 9 month payment deferrals with no income being earned on these loans.
Total | 0.1 |  |  |  |  |
Total Outstanding Modified | $ | 5.1 |  |  |  |  |
Six Months Ended June 30, 2024 |  |  |
Term Extension |  |  |  |  |
Direct installment | $ | 0.8 |  |  | 0.03 | % |  | The modified loans had an average increase in term of 61 months, extending the maturity date.
Residential mortgages | 4.1 |  |  | 0.05 |  |  | The modified loans had an average increase in term of 28 months, extending the maturity date.
Consumer lines of credit | 1.0 |  |  | 0.08 |  |  | The modified loans had an average increase in term of 208 months, extending the maturity date.
Total | 5.9 |  |  |  |  |
Rate Reduction |  |  |  |  |
Residential mortgages | 0.1 |  |  | — |  |  | The term was extended, with a weighted average yield reduction of 100 basis points.
Total | 0.1 |  |  |  |  |
Term Extension and Rate Reduction |  |  |  |  |
Commercial real estate | 0.9 |  |  | 0.01 |  |  | Multiple modifications were made with no material financial effect.
Residential mortgages | 0.8 |  |  | 0.01 |  |  | Multiple modifications were made with no material financial effect.
Consumer lines of credit | 0.2 |  |  | 0.02 |  |  | Multiple modifications were made with no material financial effect.
Total | 1.9 |  |  |  |  |
Balloon Payment |  |  |  |  |
Commercial real estate | 0.6 |  |  | — |  |  | Multiple modifications were made with no material financial effect.
Total | 0.6 |  |  |  |  |
Other |  |  |  |  |
Commercial real estate | 4.2 |  |  | 0.03 |  |  | 3 to 12 month payment deferrals with no income being earned on these loans
Commercial and industrial | 0.6 |  |  | 0.01 |  |  | Multiple modifications were made with no material financial effect.
Total | 4.8 |  |  |  |  |
Total Outstanding Modified | $ | 13.3 |  |  |  |  |
We closely monitor the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of our modification efforts. The following table depicts the performance of loans that have been modified in the last 12 months: TABLE 4.9
Payment status - amortization cost basis:
(in millions) | Current |  | 30-89 Days Past Due |  | 90+ Days Past Due
June 30, 2025 |  |  |  |  |
Commercial real estate | $ | 20.6 |  |  | $ | — |  |  | $ | — |
Commercial and industrial | 7.2 |  |  | — |  |  | — |
Total commercial loans and leases | 27.8 |  |  | — |  |  | — |
Direct installment | 1.7 |  |  | 0.4 |  |  | — |
Residential mortgages | 6.1 |  |  | 0.7 |  |  | 0.2 |
Consumer lines of credit | 0.9 |  |  | 0.1 |  |  | 0.1 |
Total consumer loans | 8.7 |  |  | 1.2 |  |  | 0.3 |
Total | $ | 36.5 |  |  | $ | 1.2 |  |  | $ | 0.3 |
(in millions) | Current |  | 30-89 Days Past Due |  | 90+ Days Past Due
June 30, 2024 |  |  |  |  |
Commercial real estate | $ | 14.8 |  |  | $ | — |  |  | $ | — |
Commercial and industrial | 18.5 |  |  | — |  |  | — |
Total commercial loans and leases | 33.3 |  |  | — |  |  | — |
Direct installment | 1.3 |  |  | 0.8 |  |  | — |
Residential mortgages | 3.3 |  |  | 2.9 |  |  | 1.2 |
Consumer lines of credit | 1.6 |  |  | 0.4 |  |  | — |
Total consumer loans | 6.2 |  |  | 4.1 |  |  | 1.2 |
Total | $ | 39.5 |  |  | $ | 4.1 |  |  | $ | 1.2 |
Schedule of Financing Receivable, Modified, Subsequent Default | Following is a summary of loans modified in a manner that grants a concession to a borrower experiencing financial difficulties, by class, for which there was a payment default, excluding loans that have been paid off and/or sold. Default occurs when a loan is 90 days or more past due or in non-accrual and is within 12 months of restructuring. TABLE 4.8
Amortized cost basis of modified financing receivables that subsequently defaulted: |  |  |  |  |  |  |  |  |  |  |  |
(in millions) | Term Extension |  |  |  |  |  | Term Extension and Rate Reduction |  |  |  |  |  |  |  | Balloon Payment |  | Other |  | Total Outstanding Modified
Three Months Ended June 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer lines of credit | $ | 0.1 |  |  |  |  |  |  | $ | — |  |  |  |  |  |  |  |  | $ | — |  |  | $ | — |  |  | $ | 0.1 |
Total consumer loans | 0.1 |  |  |  |  |  |  | — |  |  |  |  |  |  |  |  | — |  |  | — |  |  | 0.1 |
Total | $ | 0.1 |  |  |  |  |  |  | $ | — |  |  |  |  |  |  |  |  | $ | — |  |  | $ | — |  |  | $ | 0.1 |
Six Months Ended June 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 0.6 |  |  |  |  |  |  | $ | — |  |  |  |  |  |  |  |  | $ | — |  |  | $ | 1.7 |  |  | $ | 2.3 |
Commercial and industrial | 0.2 |  |  |  |  |  |  | 3.0 |  |  |  |  |  |  |  |  | — |  |  | 3.3 |  |  | 6.5 |
Total commercial loans and leases | 0.8 |  |  |  |  |  |  | 3.0 |  |  |  |  |  |  |  |  | — |  |  | 5.0 |  |  | 8.8 |
Direct installment | 0.2 |  |  |  |  |  |  | — |  |  |  |  |  |  |  |  | — |  |  | — |  |  | 0.2 |
Residential mortgages | 2.0 |  |  |  |  |  |  | 0.8 |  |  |  |  |  |  |  |  | — |  |  | — |  |  | 2.8 |
Consumer lines of credit | 0.1 |  |  |  |  |  |  | — |  |  |  |  |  |  |  |  | — |  |  | — |  |  | 0.1 |
Total consumer loans | 2.3 |  |  |  |  |  |  | 0.8 |  |  |  |  |  |  |  |  | — |  |  | — |  |  | 3.1 |
Total | $ | 3.1 |  |  |  |  |  |  | $ | 3.8 |  |  |  |  |  |  |  |  | $ | — |  |  | $ | 5.0 |  |  | $ | 11.9 |
(in millions) | Term Extension |  |  |  |  |  | Term Extension and Rate Reduction |  |  |  |  |  |  |  | Balloon Payment |  | Other |  | Total Outstanding Modified
Three Months Ended June 30, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 0.4 |  |  |  |  |  |  | $ | — |  |  |  |  |  |  |  |  | $ | — |  |  | $ | 0.2 |  |  | $ | 0.6 |
Commercial and industrial | — |  |  |  |  |  |  | — |  |  |  |  |  |  |  |  | — |  |  | 0.9 |  |  | 0.9 |
Total commercial loans and leases | 0.4 |  |  |  |  |  |  | — |  |  |  |  |  |  |  |  | — |  |  | 1.1 |  |  | 1.5 |
Residential mortgages | 1.5 |  |  |  |  |  |  | — |  |  |  |  |  |  |  |  | — |  |  | — |  |  | 1.5 |
Total consumer loans | 1.5 |  |  |  |  |  |  | — |  |  |  |  |  |  |  |  | — |  |  | — |  |  | 1.5 |
Total | $ | 1.9 |  |  |  |  |  |  | $ | — |  |  |  |  |  |  |  |  | $ | — |  |  | $ | 1.1 |  |  | $ | 3.0 |
Six Months Ended June 30, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 0.7 |  |  |  |  |  |  | $ | 0.9 |  |  |  |  |  |  |  |  | $ | 0.6 |  |  | $ | 8.8 |  |  | $ | 11.0 |
Commercial and industrial | 20.3 |  |  |  |  |  |  | 0.2 |  |  |  |  |  |  |  |  | — |  |  | 1.6 |  |  | 22.1 |
Total commercial loans and leases | 21.0 |  |  |  |  |  |  | 1.1 |  |  |  |  |  |  |  |  | 0.6 |  |  | 10.4 |  |  | 33.1 |
Residential mortgages | 1.7 |  |  |  |  |  |  | — |  |  |  |  |  |  |  |  | — |  |  | — |  |  | 1.7 |
Total consumer loans | 1.7 |  |  |  |  |  |  | — |  |  |  |  |  |  |  |  | — |  |  | — |  |  | 1.7 |
Total | $ | 22.7 |  |  |  |  |  |  | $ | 1.1 |  |  |  |  |  |  |  |  | $ | 0.6 |  |  | $ | 10.4 |  |  | $ | 34.8 |

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