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v3.25.4

ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LEASES (Tables) | 12 Months Ended
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Dec. 31, 2025
Receivables [Abstract] |
Schedule of Changes in Allowance for Credit Losses by Loan and Lease Class | Following is a summary of changes in the ACL, by loan and lease class: TABLE 6.1
(in millions) | Balance at Beginning of Year |  | Charge- Offs |  | Recoveries |  | Net Charge- Offs |  | Provision for Credit Losses |  |  |  | Balance at End of Year
Year Ended December 31, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 166.9 |  |  | $ | (30.0) |  |  | $ | 1.3 |  |  | $ | (28.7) |  |  | $ | 37.7 |  |  |  |  | $ | 175.9 |
Commercial and industrial | 85.6 |  |  | (37.9) |  |  | 8.1 |  |  | (29.8) |  |  | 43.1 |  |  |  |  | 98.9 |
Commercial leases | 22.9 |  |  | (0.2) |  |  | — |  |  | (0.2) |  |  | 3.5 |  |  |  |  | 26.2 |
Other | 4.3 |  |  | (4.7) |  |  | 1.0 |  |  | (3.7) |  |  | 3.8 |  |  |  |  | 4.4 |
Total commercial loans and leases | 279.7 |  |  | (72.8) |  |  | 10.4 |  |  | (62.4) |  |  | 88.1 |  |  |  |  | 305.4 |
Direct installment | 29.1 |  |  | (0.9) |  |  | 0.7 |  |  | (0.2) |  |  | (3.2) |  |  |  |  | 25.7 |
Residential mortgages | 95.9 |  |  | (2.4) |  |  | 0.5 |  |  | (1.9) |  |  | (1.6) |  |  |  |  | 92.4 |
Indirect installment | 9.5 |  |  | (7.6) |  |  | 2.2 |  |  | (5.4) |  |  | 4.9 |  |  |  |  | 9.0 |
Consumer lines of credit | 8.6 |  |  | (1.0) |  |  | 0.4 |  |  | (0.6) |  |  | (1.0) |  |  |  |  | 7.0 |
Total consumer loans | 143.1 |  |  | (11.9) |  |  | 3.8 |  |  | (8.1) |  |  | (0.9) |  |  |  |  | 134.1 |
Total allowance for credit losses on loans and leases | 422.8 |  |  | (84.7) |  |  | 14.2 |  |  | (70.5) |  |  | 87.2 |  |  |  |  | 439.5 |
Allowance for unfunded loan commitments | 21.4 |  |  | — |  |  | — |  |  | — |  |  | (1.3) |  |  |  |  | 20.1 |
Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments | $ | 444.2 |  |  | $ | (84.7) |  |  | $ | 14.2 |  |  | $ | (70.5) |  |  | $ | 85.9 |  |  |  |  | $ | 459.6 |
(in millions) | Balance at Beginning of Year |  | Charge- Offs |  | Recoveries |  | Net Charge- Offs |  | Provision for Credit Losses |  |  |  |  |  | Balance at End of Year
Year Ended December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 166.6 |  |  | $ | (38.6) |  |  | $ | 2.5 |  |  | $ | (36.1) |  |  | $ | 36.4 |  |  |  |  |  |  | $ | 166.9 |
Commercial and industrial | 87.8 |  |  | (20.9) |  |  | 9.3 |  |  | (11.6) |  |  | 9.4 |  |  |  |  |  |  | 85.6 |
Commercial leases | 21.2 |  |  | (0.3) |  |  | 0.1 |  |  | (0.2) |  |  | 1.9 |  |  |  |  |  |  | 22.9 |
Other | 3.7 |  |  | (4.2) |  |  | 1.4 |  |  | (2.8) |  |  | 3.4 |  |  |  |  |  |  | 4.3 |
Total commercial loans and leases | 279.3 |  |  | (64.0) |  |  | 13.3 |  |  | (50.7) |  |  | 51.1 |  |  |  |  |  |  | 279.7 |
Direct installment | 33.8 |  |  | (1.8) |  |  | 1.1 |  |  | (0.7) |  |  | (4.0) |  |  |  |  |  |  | 29.1 |
Residential mortgages | 70.5 |  |  | (2.6) |  |  | 1.2 |  |  | (1.4) |  |  | 26.8 |  |  |  |  |  |  | 95.9 |
Indirect installment | 12.8 |  |  | (11.8) |  |  | 2.6 |  |  | (9.2) |  |  | 5.9 |  |  |  |  |  |  | 9.5 |
Consumer lines of credit | 9.2 |  |  | (1.6) |  |  | 0.9 |  |  | (0.7) |  |  | 0.1 |  |  |  |  |  |  | 8.6 |
Total consumer loans | 126.3 |  |  | (17.8) |  |  | 5.8 |  |  | (12.0) |  |  | 28.8 |  |  |  |  |  |  | 143.1 |
Total allowance for credit losses on loans and leases | 405.6 |  |  | (81.8) |  |  | 19.1 |  |  | (62.7) |  |  | 79.9 |  |  |  |  |  |  | 422.8 |
Allowance for unfunded loan commitments | 21.5 |  |  | — |  |  | — |  |  | — |  |  | (0.1) |  |  |  |  |  |  | 21.4 |
Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments | $ | 427.1 |  |  | $ | (81.8) |  |  | $ | 19.1 |  |  | $ | (62.7) |  |  | $ | 79.8 |  |  |  |  |  |  | $ | 444.2 |
(in millions) | Balance at Beginning of Period |  | Charge- Offs |  | Recoveries |  | Net Charge- Offs |  | Provision for Credit Losses |  |  |  |  |  | Balance at End of Period
Year Ended December 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 162.1 |  |  | $ | (12.4) |  |  | $ | 4.4 |  |  | $ | (8.0) |  |  | $ | 12.5 |  |  |  |  |  |  | $ | 166.6 |
Commercial and industrial | 102.1 |  |  | (51.2) |  |  | 3.8 |  |  | (47.4) |  |  | 33.1 |  |  |  |  |  |  | 87.8 |
Commercial leases | 13.5 |  |  | — |  |  | — |  |  | — |  |  | 7.7 |  |  |  |  |  |  | 21.2 |
Other | 4.0 |  |  | (4.5) |  |  | 1.0 |  |  | (3.5) |  |  | 3.2 |  |  |  |  |  |  | 3.7 |
Total commercial loans and leases | 281.7 |  |  | (68.1) |  |  | 9.2 |  |  | (58.9) |  |  | 56.5 |  |  |  |  |  |  | 279.3 |
Direct installment | 35.9 |  |  | (0.6) |  |  | 0.6 |  |  | — |  |  | (2.1) |  |  |  |  |  |  | 33.8 |
Residential mortgages | 55.5 |  |  | (0.7) |  |  | 0.5 |  |  | (0.2) |  |  | 15.2 |  |  |  |  |  |  | 70.5 |
Indirect installment | 17.3 |  |  | (10.7) |  |  | 2.3 |  |  | (8.4) |  |  | 3.9 |  |  |  |  |  |  | 12.8 |
Consumer lines of credit | 11.3 |  |  | (1.0) |  |  | 0.8 |  |  | (0.2) |  |  | (1.9) |  |  |  |  |  |  | 9.2 |
Total consumer loans | 120.0 |  |  | (13.0) |  |  | 4.2 |  |  | (8.8) |  |  | 15.1 |  |  |  |  |  |  | 126.3 |
Total allowance for credit losses on loans and leases | 401.7 |  |  | (81.1) |  |  | 13.4 |  |  | (67.7) |  |  | 71.6 |  |  |  |  |  |  | 405.6 |
Allowance for unfunded loan commitments | 21.4 |  |  | — |  |  | — |  |  | — |  |  | 0.1 |  |  |  |  |  |  | 21.5 |
Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments | $ | 423.1 |  |  | $ | (81.1) |  |  | $ | 13.4 |  |  | $ | (67.7) |  |  | $ | 71.7 |  |  |  |  |  |  | $ | 427.1 |
Following is a summary of changes in the AULC by portfolio segment: TABLE 6.2
Year Ended December 31 | 2025 |  | 2024 |  | 2023
(in millions) |  |  |  |  |
Balance at beginning of period | $ | 21.4 |  |  | $ | 21.5 |  |  | $ | 21.4 |
Provision for unfunded loan commitments and letters of credit: |  |  |  |  |
Commercial portfolio | (1.1) |  |  | 0.1 |  |  | 0.3 |
Consumer portfolio | (0.2) |  |  | (0.2) |  |  | (0.2) |
Balance at end of period | $ | 20.1 |  |  | $ | 21.4 |  |  | $ | 21.5 |

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- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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