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Loan and Lease Financings (Tables) | 9 Months Ended
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Sep. 30, 2025
Receivables [Abstract] |
Schedule of amortized cost of loans and leases, segregated by portfolio segment, credit quality rating and year of origination | The following table shows the amortized cost of loans and leases, segregated by portfolio segment, credit quality rating and year of origination, as of September 30, 2025, and gross charge-offs for the nine months ended September 30, 2025.
| Term Loans and Leases by Origination Year |  |  |
(Dollars in thousands) | 2025 | 2024 | 2023 | 2022 | 2021 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total
Commercial and agricultural |  |  |  |  |  |  |  |  |
Grades 1-6 | $ | 131,344 |  | $ | 99,053 |  | $ | 77,309 |  | $ | 52,156 |  | $ | 24,416 |  | $ | 19,348 |  | $ | 311,409 |  | $ | — |  | $ | 715,035 |
Grades 7-12 | 2,221 |  | 316 |  | 4,626 |  | 1,596 |  | 1,671 |  | 2,130 |  | 31,572 |  | — |  | 44,132 |
Total commercial and agricultural | 133,565 |  | 99,369 |  | 81,935 |  | 53,752 |  | 26,087 |  | 21,478 |  | 342,981 |  | — |  | 759,167 |
Current period gross charge-offs | 199 |  | 32 |  | 159 |  | 146 |  | 9 |  | — |  | 1,578 |  | — |  | 2,123 |
Renewable energy |  |  |  |  |  |  |  |  |
Grades 1-6 | 224,680 |  | 129,668 |  | 83,192 |  | 23,561 |  | 58,227 |  | 84,387 |  | — |  | — |  | 603,715 |
Grades 7-12 | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total renewable energy | 224,680 |  | 129,668 |  | 83,192 |  | 23,561 |  | 58,227 |  | 84,387 |  | — |  | — |  | 603,715 |
Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Auto and light truck |  |  |  |  |  |  |  |  |
Grades 1-6 | 368,029 |  | 255,366 |  | 125,228 |  | 51,242 |  | 12,657 |  | 6,711 |  | — |  | — |  | 819,233 |
Grades 7-12 | 8,313 |  | 45,084 |  | 49,536 |  | 2,357 |  | 28 |  | 441 |  | — |  | — |  | 105,759 |
Total auto and light truck | 376,342 |  | 300,450 |  | 174,764 |  | 53,599 |  | 12,685 |  | 7,152 |  | — |  | — |  | 924,992 |
Current period gross charge-offs | — |  | 2,010 |  | 129 |  | 226 |  | 1 |  | — |  | — |  | — |  | 2,366 |
Medium and heavy duty truck |  |  |  |  |  |  |  |  |
Grades 1-6 | 79,273 |  | 64,743 |  | 55,907 |  | 50,483 |  | 13,822 |  | 5,801 |  | — |  | 561 |  | 270,590 |
Grades 7-12 | 348 |  | — |  | 1,606 |  | 5,797 |  | 1,961 |  | — |  | — |  | — |  | 9,712 |
Total medium and heavy duty truck | 79,621 |  | 64,743 |  | 57,513 |  | 56,280 |  | 15,783 |  | 5,801 |  | — |  | 561 |  | 280,302 |
Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Aircraft |  |  |  |  |  |  |  |  |
Grades 1-6 | 237,695 |  | 261,866 |  | 155,190 |  | 238,892 |  | 118,048 |  | 54,786 |  | 6,607 |  | — |  | 1,073,084 |
Grades 7-12 | 2,567 |  | 4,818 |  | 5,061 |  | 6,768 |  | — |  | 3,125 |  | — |  | — |  | 22,339 |
Total aircraft | 240,262 |  | 266,684 |  | 160,251 |  | 245,660 |  | 118,048 |  | 57,911 |  | 6,607 |  | — |  | 1,095,423 |
Current period gross charge-offs | — |  | — |  | 485 |  | — |  | — |  | — |  | — |  | — |  | 485 |
Construction equipment |  |  |  |  |  |  |  |  |
Grades 1-6 | 351,017 |  | 377,138 |  | 234,545 |  | 128,319 |  | 33,987 |  | 18,081 |  | 29,008 |  | 1,578 |  | 1,173,673 |
Grades 7-12 | 2,883 |  | 5,405 |  | 5,243 |  | 9,265 |  | 1,150 |  | 9,827 |  | — |  | — |  | 33,773 |
Total construction equipment | 353,900 |  | 382,543 |  | 239,788 |  | 137,584 |  | 35,137 |  | 27,908 |  | 29,008 |  | 1,578 |  | 1,207,446 |
Current period gross charge-offs | — |  | 201 |  | 1,206 |  | — |  | — |  | — |  | — |  | — |  | 1,407 |
Commercial real estate |  |  |  |  |  |  |  |  |
Grades 1-6 | 169,586 |  | 263,313 |  | 284,164 |  | 202,080 |  | 117,440 |  | 187,005 |  | 56 |  | — |  | 1,223,644 |
Grades 7-12 | 90 |  | 480 |  | 9,621 |  | 3,974 |  | 4,055 |  | 2,442 |  | — |  | — |  | 20,662 |
Total commercial real estate | 169,676 |  | 263,793 |  | 293,785 |  | 206,054 |  | 121,495 |  | 189,447 |  | 56 |  | — |  | 1,244,306 |
Current period gross charge-offs | — |  | 5 |  | — |  | — |  | — |  | 5 |  | — |  | — |  | 10 |
Residential real estate and home equity |  |  |  |  |  |  |  |  |
Performing | 74,705 |  | 79,851 |  | 59,204 |  | 85,563 |  | 74,906 |  | 146,195 |  | 195,015 |  | 7,648 |  | 723,087 |
Nonperforming | — |  | — |  | 466 |  | 612 |  | 214 |  | 735 |  | 1,381 |  | 90 |  | 3,498 |
Total residential real estate and home equity | 74,705 |  | 79,851 |  | 59,670 |  | 86,175 |  | 75,120 |  | 146,930 |  | 196,396 |  | 7,738 |  | 726,585 |
Current period gross charge-offs | — |  | — |  | — |  | 12 |  | — |  | 5 |  | 30 |  | 2 |  | 49 |
Consumer |  |  |  |  |  |  |  |  |
Performing | 31,357 |  | 30,609 |  | 21,534 |  | 16,872 |  | 5,010 |  | 1,429 |  | 14,930 |  | — |  | 121,741 |
Nonperforming | 28 |  | 26 |  | 333 |  | 257 |  | 84 |  | 49 |  | — |  | — |  | 777 |
Total consumer | 31,385 |  | 30,635 |  | 21,867 |  | 17,129 |  | 5,094 |  | 1,478 |  | 14,930 |  | — |  | 122,518 |
Current period gross charge-offs | $ | 434 |  | $ | 216 |  | $ | 131 |  | $ | 177 |  | $ | 44 |  | $ | 6 |  | $ | 21 |  | $ | — |  | $ | 1,029 |
The following table shows the amortized cost of loans and leases, segregated by portfolio segment, credit quality rating and year of origination, as of December 31, 2024 and gross charge-offs for the year ended December 31, 2024.
| Term Loans and Leases by Origination Year |  |  |
(Dollars in thousands) | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total
Commercial and agricultural |  |  |  |  |  |  |  |  |
Grades 1-6 | $ | 136,888 |  | $ | 115,508 |  | $ | 66,696 |  | $ | 36,315 |  | $ | 19,677 |  | $ | 18,369 |  | $ | 331,282 |  | $ | — |  | $ | 724,735 |
Grades 7-12 | 438 |  | 4,079 |  | 7,769 |  | 2,426 |  | 194 |  | 2,325 |  | 31,008 |  | — |  | 48,239 |
Total commercial and agricultural | 137,326 |  | 119,587 |  | 74,465 |  | 38,741 |  | 19,871 |  | 20,694 |  | 362,290 |  | — |  | 772,974 |
Current period gross charge-offs | — |  | 276 |  | 117 |  | 550 |  | — |  | — |  | 8,882 |  | — |  | 9,825 |
Renewable energy |  |  |  |  |  |  |  |  |
Grades 1-6 | 150,951 |  | 145,126 |  | 22,110 |  | 70,606 |  | 22,329 |  | 76,144 |  | — |  | — |  | 487,266 |
Grades 7-12 | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total renewable energy | 150,951 |  | 145,126 |  | 22,110 |  | 70,606 |  | 22,329 |  | 76,144 |  | — |  | — |  | 487,266 |
Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Auto and light truck |  |  |  |  |  |  |  |  |
Grades 1-6 | 443,033 |  | 276,295 |  | 106,199 |  | 25,535 |  | 10,018 |  | 6,677 |  | — |  | — |  | 867,757 |
Grades 7-12 | 26,131 |  | 48,319 |  | 4,754 |  | 99 |  | 1,210 |  | 165 |  | — |  | — |  | 80,678 |
Total auto and light truck | 469,164 |  | 324,614 |  | 110,953 |  | 25,634 |  | 11,228 |  | 6,842 |  | — |  | — |  | 948,435 |
Current period gross charge-offs | — |  | 165 |  | 448 |  | 6 |  | — |  | 111 |  | — |  | — |  | 730 |
Medium and heavy duty truck |  |  |  |  |  |  |  |  |
Grades 1-6 | 88,395 |  | 72,816 |  | 81,238 |  | 25,726 |  | 11,298 |  | 5,493 |  | — |  | — |  | 284,966 |
Grades 7-12 | — |  | 1,524 |  | 1,623 |  | 690 |  | — |  | 13 |  | — |  | 807 |  | 4,657 |
Total medium and heavy duty truck | 88,395 |  | 74,340 |  | 82,861 |  | 26,416 |  | 11,298 |  | 5,506 |  | — |  | 807 |  | 289,623 |
Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Aircraft |  |  |  |  |  |  |  |  |
Grades 1-6 | 347,099 |  | 190,776 |  | 285,677 |  | 151,194 |  | 82,208 |  | 32,326 |  | 7,773 |  | — |  | 1,097,053 |
Grades 7-12 | 2,882 |  | 7,704 |  | 10,920 |  | 1,846 |  | 3,392 |  | — |  | — |  | — |  | 26,744 |
Total aircraft | 349,981 |  | 198,480 |  | 296,597 |  | 153,040 |  | 85,600 |  | 32,326 |  | 7,773 |  | — |  | 1,123,797 |
Current period gross charge-offs | — |  | — |  | — |  | 15 |  | — |  | 53 |  | — |  | — |  | 68 |
Construction equipment |  |  |  |  |  |  |  |  |
Grades 1-6 | 488,870 |  | 325,443 |  | 208,114 |  | 70,258 |  | 33,095 |  | 10,890 |  | 25,916 |  | 1,966 |  | 1,164,552 |
Grades 7-12 | 2,716 |  | 10,650 |  | 11,686 |  | 1,679 |  | 12,629 |  | — |  | — |  | — |  | 39,360 |
Total construction equipment | 491,586 |  | 336,093 |  | 219,800 |  | 71,937 |  | 45,724 |  | 10,890 |  | 25,916 |  | 1,966 |  | 1,203,912 |
Current period gross charge-offs | 46 |  | 989 |  | 390 |  | 267 |  | — |  | — |  | — |  | — |  | 1,692 |
Commercial real estate |  |  |  |  |  |  |  |  |
Grades 1-6 | 258,988 |  | 303,717 |  | 237,103 |  | 126,129 |  | 82,249 |  | 177,798 |  | 264 |  | — |  | 1,186,248 |
Grades 7-12 | 145 |  | 14,580 |  | 5,846 |  | 6,386 |  | 27 |  | 2,033 |  | — |  | — |  | 29,017 |
Total commercial real estate | 259,133 |  | 318,297 |  | 242,949 |  | 132,515 |  | 82,276 |  | 179,831 |  | 264 |  | — |  | 1,215,265 |
Current period gross charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Residential real estate and home equity |  |  |  |  |  |  |  |  |
Performing | 87,045 |  | 69,439 |  | 94,441 |  | 81,345 |  | 79,575 |  | 85,333 |  | 173,876 |  | 6,210 |  | 677,264 |
Nonperforming | — |  | 171 |  | 624 |  | 346 |  | 103 |  | 340 |  | 1,138 |  | 85 |  | 2,807 |
Total residential real estate and home equity | 87,045 |  | 69,610 |  | 95,065 |  | 81,691 |  | 79,678 |  | 85,673 |  | 175,014 |  | 6,295 |  | 680,071 |
Current period gross charge-offs | — |  | 3 |  | — |  | 32 |  | — |  | — |  | 30 |  | 1 |  | 66 |
Consumer |  |  |  |  |  |  |  |  |
Performing | 43,692 |  | 33,063 |  | 28,594 |  | 10,092 |  | 2,398 |  | 983 |  | 13,823 |  | — |  | 132,645 |
Nonperforming | 22 |  | 352 |  | 336 |  | 57 |  | 33 |  | 20 |  | — |  | — |  | 820 |
Total consumer | 43,714 |  | 33,415 |  | 28,930 |  | 10,149 |  | 2,431 |  | 1,003 |  | 13,823 |  | — |  | 133,465 |
Current period gross charge-offs | $ | 565 |  | $ | 230 |  | $ | 276 |  | $ | 118 |  | $ | 16 |  | $ | 22 |  | $ | 122 |  | $ | — |  | $ | 1,349 |
Schedule of amortized cost of loans and leases, segregated by portfolio segment, with delinquency aging and nonaccrual status | The following table shows the amortized cost of loans and leases, segregated by portfolio segment, with delinquency aging and nonaccrual status.
(Dollars in thousands) |  | Current |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or More Past Due and Accruing |  | Total Accruing |  | Total Nonaccrual |  | Nonaccrual with No Allowance for Credit Loss |  | Total
September 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and agricultural |  | $ | 752,157 |  |  | $ | 1,025 |  |  | $ | 3,637 |  |  | $ | — |  |  | $ | 756,819 |  |  | $ | 2,348 |  |  | $ | 1,320 |  |  | $ | 759,167 |
Renewable energy |  | 603,715 |  |  | — |  |  | — |  |  | — |  |  | 603,715 |  |  | — |  |  | — |  |  | 603,715 |
Auto and light truck |  | 845,587 |  |  | 39,755 |  |  | — |  |  | — |  |  | 885,342 |  |  | 39,650 |  |  | 11,022 |  |  | 924,992 |
Medium and heavy duty truck |  | 278,611 |  |  | 85 |  |  | — |  |  | — |  |  | 278,696 |  |  | 1,606 |  |  | — |  |  | 280,302 |
Aircraft |  | 1,094,311 |  |  | 1,112 |  |  | — |  |  | — |  |  | 1,095,423 |  |  | — |  |  | — |  |  | 1,095,423 |
Construction equipment |  | 1,193,473 |  |  | 535 |  |  | — |  |  | — |  |  | 1,194,008 |  |  | 13,438 |  |  | 12,870 |  |  | 1,207,446 |
Commercial real estate |  | 1,240,260 |  |  | 944 |  |  | 1,837 |  |  | — |  |  | 1,243,041 |  |  | 1,265 |  |  | 714 |  |  | 1,244,306 |
Residential real estate and home equity |  | 720,088 |  |  | 1,937 |  |  | 1,063 |  |  | 305 |  |  | 723,393 |  |  | 3,192 |  |  | — |  |  | 726,585 |
Consumer |  | 120,735 |  |  | 917 |  |  | 89 |  |  | 12 |  |  | 121,753 |  |  | 765 |  |  | — |  |  | 122,518 |
Total |  | $ | 6,848,937 |  |  | $ | 46,310 |  |  | $ | 6,626 |  |  | $ | 317 |  |  | $ | 6,902,190 |  |  | $ | 62,264 |  |  | $ | 25,926 |  |  | $ | 6,964,454 |
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and agricultural |  | $ | 767,942 |  |  | $ | 275 |  |  | $ | 42 |  |  | $ | — |  |  | $ | 768,259 |  |  | $ | 4,715 |  |  | $ | 3,167 |  |  | $ | 772,974 |
Renewable energy |  | 487,266 |  |  | — |  |  | — |  |  | — |  |  | 487,266 |  |  | — |  |  | — |  |  | 487,266 |
Auto and light truck |  | 943,403 |  |  | 2,226 |  |  | — |  |  | — |  |  | 945,629 |  |  | 2,806 |  |  | 939 |  |  | 948,435 |
Medium and heavy duty truck |  | 289,623 |  |  | — |  |  | — |  |  | — |  |  | 289,623 |  |  | — |  |  | — |  |  | 289,623 |
Aircraft |  | 1,123,797 |  |  | — |  |  | — |  |  | — |  |  | 1,123,797 |  |  | — |  |  | — |  |  | 1,123,797 |
Construction equipment |  | 1,185,936 |  |  | — |  |  | — |  |  | — |  |  | 1,185,936 |  |  | 17,976 |  |  | 17,404 |  |  | 1,203,912 |
Commercial real estate |  | 1,203,967 |  |  | 9,703 |  |  | — |  |  | — |  |  | 1,213,670 |  |  | 1,595 |  |  | 1,055 |  |  | 1,215,265 |
Residential real estate and home equity |  | 675,669 |  |  | 1,010 |  |  | 585 |  |  | 96 |  |  | 677,360 |  |  | 2,711 |  |  | — |  |  | 680,071 |
Consumer |  | 131,585 |  |  | 852 |  |  | 208 |  |  | 10 |  |  | 132,655 |  |  | 810 |  |  | — |  |  | 133,465 |
Total |  | $ | 6,809,188 |  |  | $ | 14,066 |  |  | $ | 835 |  |  | $ | 106 |  |  | $ | 6,824,195 |  |  | $ | 30,613 |  |  | $ | 22,565 |  |  | $ | 6,854,808 |
Schedule of amortized cost of collateral - dependent loans which are individually evaluated for impairment by collateral type. | The following table shows the amortized cost basis of collateral-dependent loans, segregated by portfolio segment, which are individually evaluated to determine credit losses.
(Dollars in thousands) | Real Estate | Equipment | General Business Assets | Total | Allowance on Collateral Dependent Loans and Leases
September 30, 2025 |  |  |  |  |
Commercial and agricultural | $ | — |  | $ | — |  | $ | 1,320 |  | $ | 1,320 |  | $ | — |
Auto and light truck | — |  | 39,073 |  | — |  | 39,073 |  | 823 |
Medium and heavy duty truck | — |  | 1,606 |  | — |  | 1,606 |  | 296 |
Construction equipment | — |  | 13,152 |  | — |  | 13,152 |  | 39 |
Commercial real estate | 714 |  | — |  | — |  | 714 |  | — |
Total | $ | 714 |  | $ | 53,831 |  | $ | 1,320 |  | $ | 55,865 |  | $ | 1,158 |
December 31, 2024 |  |  |  |  |
Commercial and agricultural | $ | — |  | $ | — |  | $ | 4,102 |  | $ | 4,102 |  | $ | 209 |
Auto and light truck | — |  | 939 |  | — |  | 939 |  | — |
Construction equipment | — |  | 17,404 |  | — |  | 17,404 |  | — |
Commercial real estate | 1,055 |  | — |  | — |  | 1,055 |  | — |
Total | $ | 1,055 |  | $ | 18,343 |  | $ | 4,102 |  | $ | 23,500 |  | $ | 209 |
Schedule of amortized cost of loans and leases that were both experiencing financial difficulty and modified, segregated by portfolio segment and type of modification. | The following table shows the amortized cost of loans and leases over $250,000 at September 30, 2025, and September 30, 2024, respectively, that were both experiencing financial difficulty and modified during the three months ended September 30, 2025, and September 30, 2024, respectively, segregated by portfolio segment and type of modification. The percentage of the amortized cost of loans and leases that were modified to borrowers in financial distress as compared to the amortized cost of each segment of financial receivable is also presented below.
(Dollars in thousands) | Payment Delay | Term Extension | Interest Rate Reduction | Combination Payment Delay and Term Extension | % of Total Segment Financing Receivables
Three Months Ended September 30, 2025 |  |  |  |  |
Commercial and agricultural | $ | — |  | $ | — |  | $ | — |  | $ | 300 |  | 0.04 | %
Total | $ | — |  | $ | — |  | $ | — |  | $ | 300 |  | — | %
Three Months Ended September 30, 2024 |  |  |  |  |
Commercial and agricultural | $ | 1,052 |  | $ | 10 |  | $ | — |  | $ | — |  | 0.15 | %
Commercial real estate | 988 |  | — |  | — |  | — |  | 0.09 |
Total | $ | 2,040 |  | $ | 10 |  | $ | — |  | $ | — |  | 0.03 | %
The following table shows the amortized cost of loans and leases over $250,000 at September 30, 2025, and September 30, 2024, respectively, that were both experiencing financial difficulty and modified during the nine months ended September 30, 2025, and September 30, 2024, respectively, segregated by portfolio segment and type of modification. The percentage of the amortized cost of loans and leases that were modified to borrowers in financial distress as compared to the amortized cost of each segment of financial receivable is also presented below.
(Dollars in thousands) | Payment Delay | Term Extension | Interest Rate Reduction | Combination Payment Delay and Term Extension | % of Total Segment Financing Receivables
Nine months ended September 30, 2025 |  |  |  |  |
Commercial and agricultural | $ | — |  | $ | 2,191 |  | $ | — |  | $ | 300 |  | 0.33 | %
Construction equipment | — |  | 463 |  | — |  | — |  | 0.04 |
Total | $ | — |  | $ | 2,654 |  | $ | — |  | $ | 300 |  | 0.04 | %
Nine months ended September 30, 2024 |  |  |  |  |
Commercial and agricultural | $ | 1,052 |  | $ | 118 |  | $ | — |  | $ | — |  | 0.16 | %
Auto and light truck | — |  | — |  | — |  | 28,847 |  | 3.04 |
Commercial real estate | 988 |  | — |  | — |  | — |  | 0.09 |
Total | $ | 2,040 |  | $ | 118 |  | $ | — |  | $ | 28,847 |  | 0.47 | %
Schedule of amortized cost of loans and leases that were both experiencing financial difficulty and modified, with delinquency status. | The Company closely monitors the performance of loans and leases that have been modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table shows the performance of such loans and leases that have been modified during the twelve months ended September 30, 2025, and September 30, 2024, respectively.
(Dollars in thousands) | Current | 30-59 Days Past Due | 60-89 Days Past Due | 90 Days or More Past Due | Total Past Due
Twelve months ended September 30, 2025 |  |  |  |  |
Commercial and agricultural | $ | 2,384 |  | $ | 107 |  | $ | — |  | $ | — |  | $ | 107 |
Auto and light truck | — |  | — |  | — |  | 4,928 |  | 4,928 |
Medium and heavy duty truck | 2,369 |  | — |  | — |  | — |  | — |
Construction equipment | 51 |  | 412 |  | — |  | — |  | 412 |
Total | $ | 4,804 |  | $ | 519 |  | $ | — |  | $ | 4,928 |  | $ | 5,447 |
Twelve months ended September 30, 2024 |  |  |  |  |
Commercial and agricultural | $ | 1,170 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |
Auto and light truck | 28,847 |  | — |  | — |  | — |  | — |
Medium and heavy duty truck | 8,645 |  | — |  | — |  | — |  | — |
Commercial real estate | 988 |  | — |  | — |  | — |  | — |
Total | $ | 39,650 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |
Schedule of the financial effect of loan and lease modifications to borrowers experiencing financial difficulties. | The following table shows the financial effect of loan and lease modifications presented above to borrowers experiencing financial difficulty for the twelve months ended September 30, 2025, and September 30, 2024, respectively.
| Weighted- Average Interest Rate Reduction | Weighted- Average Term Extension (in months) | Weighted- Average Payment Delay (in months) | Combination Weighted-Average Payment Delay and Term Extension (in months)
Twelve months ended September 30, 2025 |  |  |  |
Commercial and agricultural | — | % | 11 | 6 | 8
Auto and light truck | — |  | 0 | 0 | 3
Medium and heavy duty truck | — |  | 0 | 0 | 4
Construction equipment | — |  | 5 | 0 | 0
Commercial real estate | — |  | 0 | 6 | 0
Total | — | % | 11 | 6 | 4
Twelve months ended September 30, 2024 |  |  |  |
Commercial and agricultural | — | % | 10 | 6 | 3
Auto and light truck | — |  | 0 | 0 | 3
Medium and heavy duty truck | — |  | 0 | 0 | 6
Commercial real estate | — |  | 0 | 6 | 0
Total | — | % | 10 | 6 | 4

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