Allowance for Credit Losses

Schedule of activity in the Liability for Credit Losses for Off-Balance-Sheet Financial Instruments

Three Months Ended June 30, 2025

Commercial Lending

Residential Lending

Commercial

Home

and

Real

Lease

Residential

Equity

(dollars in thousands)

Industrial

Estate

Construction

Financing

Mortgage

Line

Consumer

Total

Reserve for unfunded commitments:

Balance at beginning of period

$

8,826

$

1,135

$

7,579

$

—

$

87

$

15,681

$

39

$

33,347

Provision

(334)

(132)

(176)

—

(66)

724

(16)

—

Balance at end of period

$

8,492

$

1,003

$

7,403

$

—

$

21

$

16,405

$

23

$

33,347


	Six Months Ended June 30, 2025
	Commercial Lending								Residential Lending
	Commercial		Commercial								Home
	and		Real				Lease		Residential		Equity
(dollars in thousands)	Industrial		Estate		Construction		Financing		Mortgage		Line		Consumer		Total
Reserve for unfunded commitments:
Balance at beginning of period	$	8,112	$	1,003	$	7,818	$	—	$	3	$	15,893	$	18	$	32,847
Provision		380		—		(415)		—		18		512		5		500
Balance at end of period	$	8,492	$	1,003	$	7,403	$	—	$	21	$	16,405	$	23	$	33,347



	Three Months Ended June 30, 2024
	Commercial Lending								Residential Lending
	Commercial		Commercial								Home
	and		Real				Lease		Residential		Equity
(dollars in thousands)	Industrial		Estate		Construction		Financing		Mortgage		Line		Consumer		Total
Reserve for unfunded commitments:
Balance at beginning of period	$	8,792	$	1,873	$	6,897	$	—	$	14	$	17,187	$	50	$	34,813
Provision		(845)		(438)		225		—		(6)		(308)		(28)		(1,400)
Balance at end of period	$	7,947	$	1,435	$	7,122	$	—	$	8	$	16,879	$	22	$	33,413


	Six Months Ended June 30, 2024
	Commercial Lending								Residential Lending
	Commercial		Commercial								Home
	and		Real				Lease		Residential		Equity
(dollars in thousands)	Industrial		Estate		Construction		Financing		Mortgage		Line		Consumer		Total
Reserve for unfunded commitments:
Balance at beginning of period	$	9,116	$	1,787	$	8,048	$	—	$	24	$	16,589	$	41	$	35,605
Provision		(1,169)		(352)		(926)		—		(16)		290		(19)		(2,192)
Balance at end of period	$	7,947	$	1,435	$	7,122	$	—	$	8	$	16,879	$	22	$	33,413

Schedule of aging analyses of past due loans and leases

June 30, 2025

Past Due

Loans and

Greater

Leases Past

Than or

Due 90 Days

30-59

60-89

Equal to

or More and

Days

90 Days

Total

Total Loans

Still Accruing

(dollars in thousands)

Past Due

Current

and Leases

Interest

Commercial and industrial

$

1,322

$

264

$

990

$

2,576

$

2,367,634

$

2,370,210

$

942

Commercial real estate

436

—

436

4,411,149

4,411,585

—

Construction

1,593

904

—

2,497

881,809

884,306

—

Lease financing

—

426,940

—

Residential mortgage

20,735

7,359

8,700

36,794

4,049,033

4,085,827

309

Home equity line

2,579

1,072

3,710

7,361

1,154,515

1,161,876

—

Consumer

13,161

3,058

3,187

19,406

991,719

1,011,125

3,187

Total

$

39,826

$

12,657

$

16,587

$

69,070

$

14,282,799

$

14,351,869

$

4,438


	December 31, 2024
	Past Due												Loans and
					Greater								Leases Past
					Than or								Due 90 Days
	30-59		60-89		Equal to								or More and
	Days		Days		90 Days		Total				Total Loans		Still Accruing
(dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current		and Leases		Interest
Commercial and industrial	$	1,481	$	563	$	1,595	$	3,639	$	2,243,789	$	2,247,428	$	1,432
Commercial real estate		—		—		153		153		4,463,839		4,463,992		—
Construction		434		1,179		536		2,149		916,177		918,326		536
Lease financing		—		—		—		—		434,650		434,650		—
Residential mortgage		19,971		7,478		9,392		36,841		4,131,313		4,168,154		1,317
Home equity line		5,647		972		3,945		10,564		1,141,175		1,151,739		—
Consumer		17,591		3,946		2,734		24,271		999,698		1,023,969		2,734
Total	$	45,124	$	14,138	$	18,355	$	77,617	$	14,330,641	$	14,408,258	$	6,019

Schedule of loans modified to borrowers experiencing financial difficulty

Interest Rate Reduction

Three Months Ended

Six Months Ended

June 30, 2025

Amortized

% of Total Class

Amortized

% of Total Class

(dollars in thousands)

Cost Basis⁽¹⁾

of Financing Receivable

Cost Basis⁽¹⁾

of Financing Receivable

Consumer

$

544

0.05

%

$

1,052

0.10

%

Total

$

544

n/m

%

$

1,052

n/m

%

n/m – Represents less than 0.01% of total class of financing receivable.

(1)	The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.


	Interest Rate Reduction
		Three Months Ended				Six Months Ended
		June 30, 2024				June 30, 2024
		Amortized	% of Total Class			Amortized	% of Total Class
(dollars in thousands)		Cost Basis⁽¹⁾	of Financing Receivable			Cost Basis⁽¹⁾	of Financing Receivable
Consumer	$	473	0.05	%	$	1,043	0.10	%
Total	$	473	n/m	%	$	1,043	n/m	%

n/m – Represents less than 0.01% of total class of financing receivable.

(1)	The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.

Term Extension

Three Months Ended

Six Months Ended

June 30, 2025

Amortized

% of Total Class

Amortized

% of Total Class

(dollars in thousands)

Cost Basis⁽¹⁾

of Financing Receivable

Cost Basis⁽¹⁾

of Financing Receivable

Commercial and industrial

$

731

0.03

%

$

9,620

0.41

%

Commercial real estate

940

0.02

1,138

0.03

Construction

904

0.10

904

0.10

Residential mortgage

714

0.02

714

0.02

Consumer

500

0.05

579

0.06

Total

$

3,789

0.03

%

$

12,955

0.09

%

(1)	The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.


	Term Extension
		Three Months Ended				Six Months Ended
		June 30, 2024				June 30, 2024
		Amortized	% of Total Class			Amortized	% of Total Class
(dollars in thousands)		Cost Basis⁽¹⁾	of Financing Receivable			Cost Basis⁽¹⁾	of Financing Receivable
Commercial and industrial	$	83	n/m	%	$	273	0.01	%
Commercial real estate		1,184	0.03			1,184	0.03
Residential mortgage		792	0.02			1,099	0.03
Consumer		15	n/m			129	0.01
Total	$	2,074	0.01	%	$	2,685	0.02	%

n/m – Represents less than 0.01% of total class of financing receivable.

(1)	The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.

Other-Than-Insignificant Payment Delay

Three Months Ended

Six Months Ended

June 30, 2025

Amortized

% of Total Class

Amortized

% of Total Class

(dollars in thousands)

Cost Basis⁽¹⁾

of Financing Receivable

Cost Basis⁽¹⁾

of Financing Receivable

Commercial real estate

$

—

%

$

1,005

0.02

%

Residential mortgage

1,184

0.03

1,184

0.03

Total

$

1,184

n/m

%

$

2,189

0.02

%

n/m – Represents less than 0.01% of total class of financing receivable.

(1)	The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.


	Other-Than-Insignificant Payment Delay
		Three Months Ended				Six Months Ended
		June 30, 2024				June 30, 2024
		Amortized	% of Total Class			Amortized	% of Total Class
(dollars in thousands)		Cost Basis⁽¹⁾	of Financing Receivable			Cost Basis⁽¹⁾	of Financing Receivable
Residential mortgage	$	—	—	%	$	1,226	0.03	%
Total	$	—	—	%	$	1,226	n/m	%

n/m – Represents less than 0.01% of total class of financing receivable.

(1)	The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.

Tabular disclosure of financing receivables to borrowers experiencing financial difficulty modified within the previous 12 months and for which there was a payment default


	Amortized Cost Basis of Modified Loans That Subsequently Defaulted⁽¹⁾
	Three Months Ended June 30, 2025						Six Months Ended June 30, 2025
(dollars in thousands)	Interest Rate Reduction		Term Extension			Other-Than-Insignificant Payment Delay	Interest Rate Reduction		Term Extension		Other-Than-Insignificant Payment Delay
Commercial and industrial	$	—	$	57	$	—	$	—	$	128	$	—
Construction		—		904		—		—		904		—
Residential mortgage		—		299		549		—		608		549
Consumer		410		4	$	—		501		20		—
Total	$	410	$	1,264	$	549	$	501	$	1,660	$	549

(1)	The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.


	Amortized Cost Basis of Modified Loans That Subsequently Defaulted⁽¹⁾
	Three Months Ended June 30, 2024				Six Months Ended June 30, 2024
(dollars in thousands)	Interest Rate Reduction		Term Extension		Interest Rate Reduction		Term Extension
Commercial and industrial	$	—	$	74	$	—	$	74
Consumer		397		20		467		20
Total	$	397	$	94	$	467	$	94

(1)	The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.