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ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LEASES - Schedule of Changes in Allowance for Credit Losses (Details) - USD ($) $ in Millions | 3 Months Ended | 9 Months Ended | 12 Months Ended
--- | --- | --- | ---
Sep. 30, 2025 | Sep. 30, 2024 | Sep. 30, 2025 | Sep. 30, 2024 | Dec. 31, 2024
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period |  |  | $ 423.0 |  |
Charge- Offs |  |  | (64.5) |  | $ (81.8)
Provision for Credit Losses | $ 24.0 | $ 23.0 | 67.1 | $ 57.5 |
Balance at End of Period | 437.0 |  | 437.0 |  | 423.0
Unfunded loan commitment |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 21.0 | 21.8 | 21.4 | 21.5 | 21.5
Charge- Offs | 0.0 | 0.0 | 0.0 | 0.0 |
Recoveries | 0.0 | 0.0 | 0.0 | 0.0 |
Net (Charge- Offs) Recoveries | 0.0 | 0.0 | 0.0 | 0.0 |
Provision for Credit Losses | (0.9) | 0.6 | (1.3) | 0.9 |
Balance at End of Period | 20.1 | 22.4 | 20.1 | 22.4 | 21.4
Total commercial loans and leases |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 294.0 | 278.1 | 279.7 | 279.3 | 279.3
Charge- Offs | (19.8) | (25.2) | (55.2) | (46.2) |
Recoveries | 1.6 | 7.6 | 7.7 | 12.3 |
Net (Charge- Offs) Recoveries | (18.2) | (17.6) | (47.5) | (33.9) |
Provision for Credit Losses | 25.2 | 28.4 | 68.8 | 43.5 |
Balance at End of Period | 301.0 | 288.9 | 301.0 | 288.9 | 279.7
Total commercial loans and leases | Commercial real estate |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 179.5 | 157.7 | 166.9 | 166.6 | 166.6
Charge- Offs | (9.2) | (13.8) | (19.8) | (24.1) | (38.6)
Recoveries | 0.4 | 0.9 | 1.0 | 2.1 |
Net (Charge- Offs) Recoveries | (8.8) | (12.9) | (18.8) | (22.0) |
Provision for Credit Losses | 7.4 | 40.1 | 30.0 | 40.3 |
Balance at End of Period | 178.1 | 184.9 | 178.1 | 184.9 | 166.9
Total commercial loans and leases | Commercial and industrial |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 88.3 | 93.5 | 85.6 | 87.8 | 87.8
Charge- Offs | (9.2) | (10.1) | (31.6) | (18.7) | (20.9)
Recoveries | 1.0 | 6.5 | 6.0 | 9.0 |
Net (Charge- Offs) Recoveries | (8.2) | (3.6) | (25.6) | (9.7) |
Provision for Credit Losses | 14.9 | (11.5) | 35.0 | 0.3 |
Balance at End of Period | 95.0 | 78.4 | 95.0 | 78.4 | 85.6
Total commercial loans and leases | Commercial leases |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 21.6 | 22.9 | 22.9 | 21.2 | 21.2
Charge- Offs | 0.0 | (0.1) | (0.2) | (0.3) | (0.3)
Recoveries | 0.0 | 0.0 | 0.0 | 0.1 |
Net (Charge- Offs) Recoveries | 0.0 | (0.1) | (0.2) | (0.2) |
Provision for Credit Losses | 1.7 | (1.2) | 0.6 | 0.6 |
Balance at End of Period | 23.3 | 21.6 | 23.3 | 21.6 | 22.9
Total commercial loans and leases | Other |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 4.6 | 4.0 | 4.3 | 3.7 | 3.7
Charge- Offs | (1.4) | (1.2) | (3.6) | (3.1) | (4.2)
Recoveries | 0.2 | 0.2 | 0.7 | 1.1 |
Net (Charge- Offs) Recoveries | (1.2) | (1.0) | (2.9) | (2.0) |
Provision for Credit Losses | 1.2 | 1.0 | 3.2 | 2.3 |
Balance at End of Period | 4.6 | 4.0 | 4.6 | 4.0 | 4.3
Total commercial loans and leases | Unfunded loan commitment |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Provision for Credit Losses | (0.8) | 0.6 | (1.1) | 1.0 |
Total consumer loans |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 138.1 | 140.7 | 143.1 | 126.3 | 126.3
Charge- Offs | (2.4) | (4.9) | (9.3) | (11.7) |
Recoveries | 0.9 | 1.0 | 2.8 | 3.5 |
Net (Charge- Offs) Recoveries | (1.5) | (3.9) | (6.5) | (8.2) |
Provision for Credit Losses | (0.3) | (5.5) | (0.3) | 13.2 |
Balance at End of Period | 136.3 | 131.3 | 136.3 | 131.3 | 143.1
Total consumer loans | Direct installment |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 26.6 | 30.9 | 29.1 | 33.8 | 33.8
Charge- Offs | (0.1) | (0.2) | (0.7) | (0.8) | (1.8)
Recoveries | 0.1 | 0.2 | 0.4 | 0.6 |
Net (Charge- Offs) Recoveries | 0.0 | 0.0 | (0.3) | (0.2) |
Provision for Credit Losses | (0.6) | (1.7) | (2.8) | (4.4) |
Balance at End of Period | 26.0 | 29.2 | 26.0 | 29.2 | 29.1
Total consumer loans | Residential mortgages |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 95.4 | 88.2 | 95.9 | 70.5 | 70.5
Charge- Offs | (0.5) | (0.1) | (2.3) | (0.3) | (2.6)
Recoveries | 0.1 | 0.1 | 0.3 | 0.2 |
Net (Charge- Offs) Recoveries | (0.4) | 0.0 | (2.0) | (0.1) |
Provision for Credit Losses | (0.8) | (4.0) | 0.3 | 13.8 |
Balance at End of Period | 94.2 | 84.2 | 94.2 | 84.2 | 95.9
Total consumer loans | Indirect installment |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 9.3 | 13.1 | 9.5 | 12.8 | 12.8
Charge- Offs | (1.6) | (4.2) | (5.5) | (9.6) | (11.8)
Recoveries | 0.6 | 0.6 | 1.8 | 2.1 |
Net (Charge- Offs) Recoveries | (1.0) | (3.6) | (3.7) | (7.5) |
Provision for Credit Losses | 0.8 | (0.5) | 3.3 | 3.7 |
Balance at End of Period | 9.1 | 9.0 | 9.1 | 9.0 | 9.5
Total consumer loans | Consumer lines of credit |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 6.8 | 8.5 | 8.6 | 9.2 | 9.2
Charge- Offs | (0.2) | (0.4) | (0.8) | (1.0) | (1.6)
Recoveries | 0.1 | 0.1 | 0.3 | 0.6 |
Net (Charge- Offs) Recoveries | (0.1) | (0.3) | (0.5) | (0.4) |
Provision for Credit Losses | 0.3 | 0.7 | (1.1) | 0.1 |
Balance at End of Period | 7.0 | 8.9 | 7.0 | 8.9 | 8.6
Total consumer loans | Unfunded loan commitment |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Provision for Credit Losses | (0.1) | 0.0 | (0.2) | (0.1) |
Allowance for credit losses on loans and leases |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 432.1 | 418.8 | 422.8 | 405.6 | 405.6
Charge- Offs | (22.2) | (30.1) | (64.5) | (57.9) |
Recoveries | 2.5 | 8.6 | 10.5 | 15.8 |
Net (Charge- Offs) Recoveries | (19.7) | (21.5) | (54.0) | (42.1) |
Provision for Credit Losses | 24.9 | 22.9 | 68.5 | 56.7 |
Balance at End of Period | 437.3 | 420.2 | 437.3 | 420.2 | 422.8
Allowance for credit losses on loans and leases and allowance for unfunded loan commitments |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Balance at Beginning of Period | 453.1 | 440.6 | 444.2 | 427.1 | 427.1
Charge- Offs | (22.2) | (30.1) | (64.5) | (57.9) |
Recoveries | 2.5 | 8.6 | 10.5 | 15.8 |
Net (Charge- Offs) Recoveries | (19.7) | (21.5) | (54.0) | (42.1) |
Provision for Credit Losses | 24.0 | 23.5 | 67.2 | 57.6 |
Balance at End of Period | $ 457.4 | $ 442.6 | $ 457.4 | $ 442.6 | $ 444.2

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