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v3.25.3

Allowance for Credit Losses (Details) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2025 USD ($) item | Sep. 30, 2024 USD ($) | Sep. 30, 2025 USD ($) item | Sep. 30, 2024 USD ($)
Allowance for credit losses |  |  |  |
Number of classes existing in loan and lease portfolio | item | 9 |  | 9 |
Changes in allowance for loan and lease losses |  |  |  |
Balance at the beginning of the period | $ 163,484 | $ 150,067 | $ 155,540 | $ 147,552
Charge-offs | 2,480 | 2,629 | 7,469 | 11,047
Recoveries | 605 | 1,778 | 3,542 | 6,060
Net charge-offs (recoveries) | 1,875 | 851 | 3,927 | 4,987
Provision (recovery of provision) | (179) | 3,108 | 9,817 | 9,759
Balance at the end of the period | 161,430 | 152,324 | 161,430 | 152,324
Commercial and agricultural |  |  |  |
Changes in allowance for loan and lease losses |  |  |  |
Balance at the beginning of the period | 24,339 | 18,637 | 21,316 | 17,385
Charge-offs | 1,269 | 2,004 | 2,123 | 9,115
Recoveries | 92 | 217 | 893 | 356
Net charge-offs (recoveries) | 1,177 | 1,787 | 1,230 | 8,759
Provision (recovery of provision) | (1,730) | 2,812 | 1,346 | 11,036
Balance at the end of the period | 21,432 | 19,662 | 21,432 | 19,662
Renewable energy |  |  |  |
Changes in allowance for loan and lease losses |  |  |  |
Balance at the beginning of the period | 10,044 | 7,653 | 8,562 | 6,610
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Net charge-offs (recoveries) | 0 | 0 | 0 | 0
Provision (recovery of provision) | 583 | 304 | 2,065 | 1,347
Balance at the end of the period | 10,627 | 7,957 | 10,627 | 7,957
Auto and light truck |  |  |  |
Changes in allowance for loan and lease losses |  |  |  |
Balance at the beginning of the period | 20,865 | 17,726 | 18,437 | 16,858
Charge-offs | 526 | 302 | 2,366 | 318
Recoveries | 253 | 719 | 1,507 | 2,281
Net charge-offs (recoveries) | 273 | (417) | 859 | (1,963)
Provision (recovery of provision) | 404 | (188) | 3,418 | (866)
Balance at the end of the period | 20,996 | 17,955 | 20,996 | 17,955
Medium and heavy duty truck |  |  |  |
Changes in allowance for loan and lease losses |  |  |  |
Balance at the beginning of the period | 6,522 | 9,221 | 7,292 | 8,965
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Net charge-offs (recoveries) | 0 | 0 | 0 | 0
Provision (recovery of provision) | 180 | (559) | (590) | (303)
Balance at the end of the period | 6,702 | 8,662 | 6,702 | 8,662
Aircraft |  |  |  |
Changes in allowance for loan and lease losses |  |  |  |
Balance at the beginning of the period | 36,706 | 35,166 | 36,663 | 37,653
Charge-offs | 0 | 0 | 485 | 68
Recoveries | 150 | 214 | 565 | 1,063
Net charge-offs (recoveries) | (150) | (214) | (80) | (995)
Provision (recovery of provision) | (619) | 332 | (506) | (2,936)
Balance at the end of the period | 36,237 | 35,712 | 36,237 | 35,712
Construction equipment |  |  |  |
Changes in allowance for loan and lease losses |  |  |  |
Balance at the beginning of the period | 29,075 | 26,944 | 28,258 | 26,510
Charge-offs | 390 | 0 | 1,407 | 598
Recoveries | 10 | 28 | 307 | 1,434
Net charge-offs (recoveries) | 380 | (28) | 1,100 | (836)
Provision (recovery of provision) | 681 | 1,051 | 2,218 | 677
Balance at the end of the period | 29,376 | 28,023 | 29,376 | 28,023
Commercial real estate |  |  |  |
Changes in allowance for loan and lease losses |  |  |  |
Balance at the beginning of the period | 25,002 | 24,847 | 24,821 | 23,690
Charge-offs | 4 | 0 | 10 | 0
Recoveries | 38 | 538 | 59 | 722
Net charge-offs (recoveries) | (34) | (538) | (49) | (722)
Provision (recovery of provision) | (174) | (1,118) | (8) | (145)
Balance at the end of the period | 24,862 | 24,267 | 24,862 | 24,267
Residential real estate and home equity |  |  |  |
Changes in allowance for loan and lease losses |  |  |  |
Balance at the beginning of the period | 8,766 | 7,792 | 7,976 | 7,698
Charge-offs | 14 | 0 | 49 | 13
Recoveries | 1 | 2 | 19 | 24
Net charge-offs (recoveries) | 13 | (2) | 30 | (11)
Provision (recovery of provision) | 175 | 43 | 982 | 128
Balance at the end of the period | 8,928 | 7,837 | 8,928 | 7,837
Consumer |  |  |  |
Changes in allowance for loan and lease losses |  |  |  |
Balance at the beginning of the period | 2,165 | 2,081 | 2,215 | 2,183
Charge-offs | 277 | 323 | 1,029 | 935
Recoveries | 61 | 60 | 192 | 180
Net charge-offs (recoveries) | 216 | 263 | 837 | 755
Provision (recovery of provision) | 321 | 431 | 892 | 821
Balance at the end of the period | $ 2,270 | $ 2,249 | $ 2,270 | $ 2,249

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