| Schedule of financial instruments with off-balance sheet risk |
The table below presents the Company’s financial instruments with off-balance sheet risk, as well as the activity in the allowance for off-balance sheet credit losses related to those financial instruments. | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | (in thousands) | Commercial | | Mortgage
Finance | | Commercial
Real Estate | | Consumer | | Total | | Year Ended December 31, 2025 | | | | | | | | | | | Beginning balance | $ | 47,907 | | | $ | 23 | | | $ | 5,351 | | | $ | 51 | | | $ | 53,332 | | | Provision for off-balance sheet credit losses | 10,302 | | | (7) | | | (1,372) | | | — | | | 8,923 | | | Ending balance | $ | 58,209 | | | $ | 16 | | | $ | 3,979 | | | $ | 51 | | | $ | 62,255 | | | Year Ended December 31, 2024 | | | | | | | | | | | Beginning balance | $ | 36,040 | | | $ | 6 | | | $ | 10,147 | | | $ | 169 | | | $ | 46,362 | | | Provision for off-balance sheet credit losses | 11,867 | | | 17 | | | (4,796) | | | (118) | | | 6,970 | | | Ending balance | $ | 47,907 | | | $ | 23 | | | $ | 5,351 | | | $ | 51 | | | $ | 53,332 | | | | | | | | | | | | | | | | | | | (in thousands) | | | | | | | December 31, 2025 | | December 31, 2024 | | | | | | | | | | | | Commitments to extend credit - period end balance | | | | | | | $ | 12,193,441 | | | $ | 9,694,406 | | | Standby letters of credit - period end balance | | | | | | | 610,178 | | | 538,047 | |
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