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LOANS AND LEASES (Tables) | 12 Months Ended
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Dec. 31, 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 5.1
December 31 | 2025 |  | 2024
(in millions) |  |  |
Commercial real estate | $ | 12,274 |  |  | $ | 12,705 |
Commercial and industrial | 7,718 |  |  | 7,550 |
Commercial leases | 791 |  |  | 765 |
Other | 141 |  |  | 144 |
Total commercial loans and leases | 20,924 |  |  | 21,164 |
Direct installment | 2,678 |  |  | 2,676 |
Residential mortgages | 8,882 |  |  | 7,986 |
Indirect installment | 767 |  |  | 739 |
Consumer lines of credit | 1,526 |  |  | 1,374 |
Total consumer loans | 13,853 |  |  | 12,775 |
Total loans and leases, net of unearned income | $ | 34,777 |  |  | $ | 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 5.2
December 31 | 2025 |  | 2024
Commercial real estate: |  |  |
Percent owner-occupied | 30.9 | % |  | 29.0 | %
Percent non-owner-occupied | 69.1 |  |  | 71.0 |
Schedule of Loans to Related Parties | Following is a summary of the activity for these related-party loans during 2025: TABLE 5.3
(in millions) |
Balance at beginning of period | $ | 6 |
New loans | 4 |
Repayments | (2) |
Other | (1) |
Balance at end of period | $ | 7 |
Schedule of Loan, Credit Quality Indicators | We use an internal risk rating assigned to a commercial loan or lease at origination, summarized below. TABLE 5.4
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 5.5
(in millions) | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total
December 31, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
COMMERCIAL |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,438 |  |  | $ | 1,336 |  |  | $ | 1,654 |  |  | $ | 1,587 |  |  | $ | 1,686 |  |  | $ | 3,637 |  |  | $ | 195 |  |  | $ | 11,533 |
Special Mention | 5 |  |  | 17 |  |  | 18 |  |  | 135 |  |  | 94 |  |  | 147 |  |  | 6 |  |  | 422 |
Substandard | 1 |  |  | 11 |  |  | 10 |  |  | 59 |  |  | 37 |  |  | 195 |  |  | 6 |  |  | 319 |
Total commercial real estate | 1,444 |  |  | 1,364 |  |  | 1,682 |  |  | 1,781 |  |  | 1,817 |  |  | 3,979 |  |  | 207 |  |  | 12,274 |
Commercial real estate gross charge-offs | — |  |  | — |  |  | 0.4 |  |  | 5.4 |  |  | 3.9 |  |  | 20.3 |  |  | — |  |  | 30.0 |
Commercial and Industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 1,799 |  |  | 1,011 |  |  | 787 |  |  | 616 |  |  | 360 |  |  | 835 |  |  | 1,835 |  |  | 7,243 |
Special Mention | 35 |  |  | 11 |  |  | 12 |  |  | 5 |  |  | 3 |  |  | 72 |  |  | 148 |  |  | 286 |
Substandard | 2 |  |  | 14 |  |  | 45 |  |  | 11 |  |  | 7 |  |  | 22 |  |  | 88 |  |  | 189 |
Total commercial and industrial | 1,836 |  |  | 1,036 |  |  | 844 |  |  | 632 |  |  | 370 |  |  | 929 |  |  | 2,071 |  |  | 7,718 |
Commercial and industrial gross charge-offs | 0.1 |  |  | 1.5 |  |  | 1.0 |  |  | 3.5 |  |  | 7.0 |  |  | 24.8 |  |  | — |  |  | 37.9 |
Commercial Leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 262 |  |  | 222 |  |  | 140 |  |  | 73 |  |  | 41 |  |  | 37 |  |  | — |  |  | 775 |
Special Mention | 1 |  |  | 3 |  |  | 1 |  |  | — |  |  | 1 |  |  | 3 |  |  | — |  |  | 9 |
Substandard | — |  |  | — |  |  | 4 |  |  | 1 |  |  | 2 |  |  | — |  |  | — |  |  | 7 |
Total commercial leases | 263 |  |  | 225 |  |  | 145 |  |  | 74 |  |  | 44 |  |  | 40 |  |  | — |  |  | 791 |
Commercial leases gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 0.2 |  |  | — |  |  | 0.2 |
Other Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 9 |  |  | — |  |  | 58 |  |  | — |  |  | — |  |  | 4 |  |  | 70 |  |  | 141 |
Total other commercial | 9 |  |  | — |  |  | 58 |  |  | — |  |  | — |  |  | 4 |  |  | 70 |  |  | 141 |
Other commercial gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4.7 |  |  | — |  |  | 4.7 |
Total commercial loans and leases | 3,552 |  |  | 2,625 |  |  | 2,729 |  |  | 2,487 |  |  | 2,231 |  |  | 4,952 |  |  | 2,348 |  |  | 20,924 |
(in millions) | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total
December 31, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CONSUMER |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct Installment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 446 |  |  | 273 |  |  | 218 |  |  | 535 |  |  | 592 |  |  | 601 |  |  | — |  |  | 2,665 |
Past due | — |  |  | 1 |  |  | 1 |  |  | 3 |  |  | 2 |  |  | 6 |  |  | — |  |  | 13 |
Total direct installment | 446 |  |  | 274 |  |  | 219 |  |  | 538 |  |  | 594 |  |  | 607 |  |  | — |  |  | 2,678 |
Direct installment gross charge-offs | 0.1 |  |  | 0.2 |  |  | 0.2 |  |  | 0.2 |  |  | — |  |  | 0.2 |  |  | — |  |  | 0.9 |
Residential Mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 1,741 |  |  | 1,464 |  |  | 1,245 |  |  | 1,468 |  |  | 1,317 |  |  | 1,579 |  |  | — |  |  | 8,814 |
Past due | 6 |  |  | 11 |  |  | 11 |  |  | 7 |  |  | 5 |  |  | 28 |  |  | — |  |  | 68 |
Total residential mortgages | 1,747 |  |  | 1,475 |  |  | 1,256 |  |  | 1,475 |  |  | 1,322 |  |  | 1,607 |  |  | — |  |  | 8,882 |
Residential mortgages gross charge-offs | 0.1 |  |  | 0.3 |  |  | 0.5 |  |  | 0.1 |  |  | 0.1 |  |  | 1.3 |  |  | — |  |  | 2.4 |
Indirect Installment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 311 |  |  | 272 |  |  | 16 |  |  | 41 |  |  | 69 |  |  | 43 |  |  | — |  |  | 752 |
Past due | 1 |  |  | 3 |  |  | 2 |  |  | 4 |  |  | 4 |  |  | 1 |  |  | — |  |  | 15 |
Total indirect installment | 312 |  |  | 275 |  |  | 18 |  |  | 45 |  |  | 73 |  |  | 44 |  |  | — |  |  | 767 |
Indirect installment gross charge-offs | 0.4 |  |  | 1.0 |  |  | 0.9 |  |  | 2.5 |  |  | 2.0 |  |  | 0.8 |  |  | — |  |  | 7.6 |
Consumer Lines of Credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current | 4 |  |  | 6 |  |  | 19 |  |  | 39 |  |  | 12 |  |  | 139 |  |  | 1,295 |  |  | 1,514 |
Past due | — |  |  | — |  |  | 1 |  |  | 1 |  |  | — |  |  | 8 |  |  | 2 |  |  | 12 |
Total consumer lines of credit | 4 |  |  | 6 |  |  | 20 |  |  | 40 |  |  | 12 |  |  | 147 |  |  | 1,297 |  |  | 1,526 |
Consumer lines of credit gross charge-offs | — |  |  | — |  |  | 0.1 |  |  | 0.1 |  |  | — |  |  | 0.8 |  |  | — |  |  | 1.0 |
Total consumer loans | 2,509 |  |  | 2,030 |  |  | 1,513 |  |  | 2,098 |  |  | 2,001 |  |  | 2,405 |  |  | 1,297 |  |  | 13,853 |
Total loans and leases | $ | 6,061 |  |  | $ | 4,655 |  |  | $ | 4,242 |  |  | $ | 4,585 |  |  | $ | 4,232 |  |  | $ | 7,357 |  |  | $ | 3,645 |  |  | $ | 34,777 |
Total charge-offs | $ | 0.7 |  |  | $ | 3.0 |  |  | $ | 3.1 |  |  | $ | 11.8 |  |  | $ | 13.0 |  |  | $ | 53.1 |  |  | $ | — |  |  | $ | 84.7 |
(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 5.6
(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, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 10 |  |  | $ | — |  |  | $ | 45 |  |  | $ | 55 |  |  | $ | 12,219 |  |  | $ | 12,274 |  |  | $ | 18 |
Commercial and industrial | 10 |  |  | — |  |  | 35 |  |  | 45 |  |  | 7,673 |  |  | 7,718 |  |  | 15 |
Commercial leases | — |  |  | — |  |  | 3 |  |  | 3 |  |  | 788 |  |  | 791 |  |  | — |
Other | 34 |  |  | 1 |  |  | 2 |  |  | 37 |  |  | 104 |  |  | 141 |  |  | — |
Total commercial loans and leases | 54 |  |  | 1 |  |  | 85 |  |  | 140 |  |  | 20,784 |  |  | 20,924 |  |  | 33 |
Direct installment | 8 |  |  | 1 |  |  | 4 |  |  | 13 |  |  | 2,665 |  |  | 2,678 |  |  | — |
Residential mortgages | 47 |  |  | 9 |  |  | 12 |  |  | 68 |  |  | 8,814 |  |  | 8,882 |  |  | 1 |
Indirect installment | 14 |  |  | — |  |  | 1 |  |  | 15 |  |  | 752 |  |  | 767 |  |  | — |
Consumer lines of credit | 7 |  |  | 2 |  |  | 3 |  |  | 12 |  |  | 1,514 |  |  | 1,526 |  |  | — |
Total consumer loans | 76 |  |  | 12 |  |  | 20 |  |  | 108 |  |  | 13,745 |  |  | 13,853 |  |  | 1 |
Total loans and leases | $ | 130 |  |  | $ | 13 |  |  | $ | 105 |  |  | $ | 248 |  |  | $ | 34,529 |  |  | $ | 34,777 |  |  | $ | 34 |
(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 5.7
December 31 | 2025 |  | 2024
(dollars in millions) |  |  |
Non-accrual loans | $ | 105 |  |  | $ | 159 |
Total non-performing loans and leases | 105 |  |  | 159 |
Other real estate owned | 3 |  |  | 3 |
Total non-performing assets | $ | 108 |  |  | $ | 162 |
Asset quality ratios: |  |  |
Non-performing loans and leases / total loans and leases | 0.30 | % |  | 0.47 | %
Non-performing assets plus 90 days or more past due / total loans and leases plus OREO | 0.35 |  |  | 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 5.8
(dollars in millions) | Amortized Cost Basis |  | % of Total Class of Financing Receivable |  | Financial Effect
Twelve Months Ended December 31, 2025 |  |  |
Term Extension |  |  |  |  |
Commercial real estate | $ | 2.3 |  |  | 0.02 | % |  | The modified loans had an average increase in term of 6 months, extending the maturity date.
Commercial and industrial | 1.2 |  |  | 0.02 |  |  | The modified loans had an average increase in term of 21 months, extending the maturity date.
Direct installment | 2.7 |  |  | 0.10 |  |  | The modified loans had an average increase in term of 77 months, extending the maturity date.
Residential mortgages | 6.0 |  |  | 0.07 |  |  | The modified loans had an average increase in term of 37 months, extending the maturity date.
Consumer lines of credit | 0.7 |  |  | 0.05 |  |  | The modified loans had an average increase in term of 169 months, extending the maturity date.
Total | 12.9 |  |  |  |  |
Term Extension and Rate Reduction |  |  |  |  |
Residential mortgages | 3.2 |  |  | 0.04 |  |  | The term was extended, with weighted average yield reductions of 32 basis points to 475 basis points with extensions up to 28 years.
Total | 3.2 |  |  |  |  |
Other |  |  |  |  |
Commercial real estate | 1.5 |  |  | 0.01 |  |  | The majority resulted in a 3 to 6 month deferral on principal payments.
Commercial and industrial | 0.7 |  |  | 0.01 |  |  | The majority resulted in a 3-month deferral on principal payments
Total | 2.2 |  |  |  |  |
Total Outstanding Modified | $ | 18.3 |  |  |  |  |
(dollars in millions) | Amortized Cost Basis |  | % of Total Class of Financing Receivable |  | Financial Effect
Twelve Months Ended December 31, 2024 |  |  |
Term Extension |  |  |  |  |
Commercial real estate | $ | 0.3 |  |  | — | % |  | The modified loans had an average increase in term of 7 months, extending the maturity date.
Commercial and industrial | 0.1 |  |  | — |  |  | Modifications were made with no material financial effect.
Direct installment | 1.5 |  |  | 0.06 |  |  | The modified loans had an average increase in term of 65 months, extending the maturity date.
Residential mortgages | 7.3 |  |  | 0.09 |  |  | The modified loans had an average increase in term of 70 months, extending the maturity date.
Consumer lines of credit | 1.3 |  |  | 0.09 |  |  | The modified loans had an average increase in term of 221 months, extending the maturity date.
Total | 10.5 |  |  |  |  |
Rate Reduction |  |  |  |  |
Residential mortgages | 0.1 |  |  | — |  |  | Modifications were made with no material financial effect.
Total | 0.1 |  |  |  |  |
Term Extension and Rate Reduction |  |  |  |  |
Commercial real estate | 17.6 |  |  | 0.14 |  |  | The terms were extended, with a weighted average yield reduction of 190 basis points.
Commercial and industrial | 15.5 |  |  | 0.21 |  |  | The modified loans had an average increase in term of 6 months, at a reduced rate.
Residential mortgages | 1.3 |  |  | 0.02 |  |  | Modifications were made with no material financial effect.
Consumer lines of credit | 0.2 |  |  | 0.01 |  |  | Modifications were made with no material financial effect.
Total | 34.6 |  |  |  |  |
Balloon Payment |  |  |  |  |
Commercial real estate | 0.7 |  |  | 0.01 |  |  | Modifications were made with no material financial effect.
Consumer lines of credit | 0.2 |  |  | 0.03 |  |  | Modifications were made with no material financial effect.
Total | 0.9 |  |  |  |  |
Other |  |  |  |  |
Commercial real estate | 2.0 |  |  | 0.02 |  |  | 3 to 12 month payment deferrals with no income being earned on these loans.
Commercial and industrial | 5.2 |  |  | 0.07 |  |  | Temporarily lowered monthly payments, 3 to 9 month payment deferral or temporary interest only payments while borrowers were in work-out.
Total | 7.2 |  |  |  |  |
Total Outstanding Modified | $ | 53.3 |  |  |  |  |
(dollars in millions) | Amortized Cost Basis |  | % of Total Class of Financing Receivable |  | Financial Effect
Twelve Months Ended December 31, 2023 |  |  |
Term Extension |  |  |  |  |
Commercial real estate | $ | 21.5 |  |  | 0.17 | % |  | The modified loans had an average increase in term of 15 months, extending the maturity date.
Commercial and industrial | 20.6 |  |  | 0.28 |  |  | The modified loans had an average increase in term of 34 months, extending the maturity date.
Direct installment | 1.7 |  |  | 0.06 |  |  | The modified loans had an average increase in term of 90 months, extending the maturity date.
Residential mortgages | 3.8 |  |  | 0.06 |  |  | The modified loans had an average increase in term of 91 months, extending the maturity date.
Consumer lines of credit | 0.5 |  |  | 0.04 |  |  | The repayment on the loans modified was extended, lowering the monthly repayment.
Total | 48.1 |  |  |  |  |
Term Extension and Rate Reduction |  |  |  |  |
Commercial and industrial | 0.1 |  |  | — |  |  | The term was extended, with a weighted average yield reduction of 462 basis points.
Direct installment | 0.4 |  |  | 0.01 |  |  | The modified loans had an average increase in term of 319 months, extending the maturity date.
Residential mortgages | 0.8 |  |  | 0.01 |  |  | The term was extended, with a weighted average yield reduction of 267 basis points.
Consumer lines of credit | 0.7 |  |  | 0.05 |  |  | The term was extended, with a weighted average yield reduction of 266 basis points.
Total | 2.0 |  |  |  |  |
Other |  |  |  |  |
Commercial real estate | 8.3 |  |  | 0.07 |  |  | The modified loans had an average increase in term of 6 months, extending the maturity date.
Direct installment | 0.1 |  |  | — |  |  | Multiple modifications were made with no material financial effect.
Residential mortgages | 0.1 |  |  | — |  |  | Multiple modifications were made with no material financial effect.
Consumer lines of credit | 0.6 |  |  | 0.05 |  |  | Primarily changed to a payment schedule with a fixed rate reduction of 508 basis points.
Total | 9.1 |  |  |  |  |
Total Outstanding Modified | $ | 59.2 |  |  |  |  |
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 5.10
Payment status - amortization cost basis:
(in millions) | Current |  | 30-89 Days Past Due |  | 90+ Days Past Due
December 31, 2025 |  |  |  |  |
Commercial real estate | $ | 3.6 |  |  | $ | — |  |  | $ | 0.2 |
Commercial and industrial | 1.4 |  |  | 0.5 |  |  | — |
Total commercial loans and leases | 5.0 |  |  | 0.5 |  |  | 0.2 |
Direct installment | 1.9 |  |  | 0.6 |  |  | 0.2 |
Residential mortgages | 5.2 |  |  | 3.0 |  |  | 1.0 |
Consumer lines of credit | 0.6 |  |  | 0.1 |  |  | — |
Total consumer loans | 7.7 |  |  | 3.7 |  |  | 1.2 |
Total | $ | 12.7 |  |  | $ | 4.2 |  |  | $ | 1.4 |
(in millions) | Current |  | 30-89 Days Past Due |  | 90+ Days Past Due
December 31, 2024 |  |  |  |  |
Commercial real estate | $ | 20.5 |  |  | $ | — |  |  | $ | — |
Commercial and industrial | 20.8 |  |  | — |  |  | — |
Total commercial loans and leases | 41.3 |  |  | — |  |  | — |
Direct installment | 1.2 |  |  | 0.3 |  |  | — |
Residential mortgages | 5.5 |  |  | 1.8 |  |  | 1.5 |
Consumer lines of credit | 1.4 |  |  | 0.3 |  |  | — |
Total consumer loans | 8.1 |  |  | 2.4 |  |  | 1.5 |
Total | $ | 49.4 |  |  | $ | 2.4 |  |  | $ | 1.5 |
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 5.9
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
Twelve Months Ended December 31, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 1.1 |  |  |  |  |  |  | $ | — |  |  |  |  |  |  |  |  | $ | — |  |  | $ | 2.0 |  |  | $ | 3.1 |
Commercial and industrial | 0.9 |  |  |  |  |  |  | — |  |  |  |  |  |  |  |  | — |  |  | 1.3 |  |  | 2.2 |
Total commercial loans and leases | 2.0 |  |  |  |  |  |  | — |  |  |  |  |  |  |  |  | — |  |  | 3.3 |  |  | 5.3 |
Direct installment | 0.3 |  |  |  |  |  |  | — |  |  |  |  |  |  |  |  | — |  |  | — |  |  | 0.3 |
Residential mortgages | 1.9 |  |  |  |  |  |  | 0.6 |  |  |  |  |  |  |  |  | — |  |  | — |  |  | 2.5 |
Total consumer loans | 2.2 |  |  |  |  |  |  | 0.6 |  |  |  |  |  |  |  |  | — |  |  | — |  |  | 2.8 |
Total | $ | 4.2 |  |  |  |  |  |  | $ | 0.6 |  |  |  |  |  |  |  |  | $ | — |  |  | $ | 3.3 |  |  | $ | 8.1 |
(in millions) | Term Extension |  |  |  |  |  | Term Extension and Rate Reduction |  |  |  |  |  |  |  | Balloon Payment |  | Other |  | Total Outstanding Modified
Twelve Months Ended December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 0.3 |  |  |  |  |  |  | $ | — |  |  |  |  |  |  |  |  | $ | 0.7 |  |  | $ | 5.9 |  |  | $ | 6.9 |
Commercial and industrial | 18.4 |  |  |  |  |  |  | 15.5 |  |  |  |  |  |  |  |  | — |  |  | 5.5 |  |  | 39.4 |
Total commercial loans and leases | 18.7 |  |  |  |  |  |  | 15.5 |  |  |  |  |  |  |  |  | 0.7 |  |  | 11.4 |  |  | 46.3 |
Direct installment | 0.7 |  |  |  |  |  |  | — |  |  |  |  |  |  |  |  | — |  |  | — |  |  | 0.7 |
Residential mortgages | 4.7 |  |  |  |  |  |  | 0.4 |  |  |  |  |  |  |  |  | — |  |  | — |  |  | 5.1 |
Total consumer loans | 5.4 |  |  |  |  |  |  | 0.4 |  |  |  |  |  |  |  |  | — |  |  | — |  |  | 5.8 |
Total | $ | 24.1 |  |  |  |  |  |  | $ | 15.9 |  |  |  |  |  |  |  |  | $ | 0.7 |  |  | $ | 11.4 |  |  | $ | 52.1 |
(in millions) | Term Extension |  |  |  |  |  | Term Extension and Rate Reduction |  |  |  |  |  |  |  | Balloon Payment |  | Other |  | Total Outstanding Modified
Twelve Months Ended December 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 0.4 |  |  |  |  |  |  | $ | — |  |  |  |  |  |  |  |  | $ | — |  |  | $ | 5.2 |  |  | $ | 5.6 |
Commercial and industrial | 21.5 |  |  |  |  |  |  | 0.3 |  |  |  |  |  |  |  |  | — |  |  | — |  |  | 21.8 |
Total commercial loans and leases | 21.9 |  |  |  |  |  |  | 0.3 |  |  |  |  |  |  |  |  | — |  |  | 5.2 |  |  | 27.4 |
Direct installment | 0.1 |  |  |  |  |  |  | — |  |  |  |  |  |  |  |  | — |  |  | — |  |  | 0.1 |
Residential mortgages | 0.3 |  |  |  |  |  |  | 0.3 |  |  |  |  |  |  |  |  | — |  |  | — |  |  | 0.6 |
Consumer lines of credit | 0.1 |  |  |  |  |  |  | — |  |  |  |  |  |  |  |  | — |  |  | — |  |  | 0.1 |
Total consumer loans | 0.5 |  |  |  |  |  |  | 0.3 |  |  |  |  |  |  |  |  | — |  |  | — |  |  | 0.8 |
Total | $ | 22.4 |  |  |  |  |  |  | $ | 0.6 |  |  |  |  |  |  |  |  | $ | — |  |  | $ | 5.2 |  |  | $ | 28.2 |

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