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v3.26.1

Loans and Allowance for Credit Losses (Tables) | 6 Months Ended
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Jun. 30, 2026
Receivables [Abstract] |
Schedule of Composition of Loans | The following table summarizes the composition of our loan portfolio at the dates presented:
(dollars in thousands) | June 30, 2026 |  | December 31, 2025
Commercial real estate | $ | 2,784,318 |  |  | $ | 2,921,761 |
Commercial and industrial | 1,408,034 |  |  | 1,330,605 |
Commercial construction | 466,210 |  |  | 365,377 |
Business banking | 1,289,133 |  |  | 1,315,863 |
Consumer real estate | 2,030,605 |  |  | 2,047,071 |
Other consumer | 80,086 |  |  | 91,280 |
Total Portfolio Loans | $ | 8,058,386 |  |  | $ | 8,071,957 |
Loans held for sale | 4,695 |  |  | 1,010 |
Total Loans(1) | $ | 8,063,081 |  |  | $ | 8,072,967 |
(1)Excludes interest receivable of $32.4 million at June 30, 2026 and $33.4 million at December 31, 2025. Interest receivable is included in other assets in the Consolidated Balance Sheets.
Summary of Restructured Loans for Periods Presented | The following tables present the amortized cost of loans to borrowers experiencing financial difficulty by portfolio segment and type of modification during the periods presented:
| Three Months Ended June 30, 2026
(dollars in thousands) | Term Extension |  |  |  | Term Extension and Payment Delays |  | Total | % of Portfolio Segment
Commercial real estate | $ | — |  |  |  |  | $ | 3,520 |  |  | $ | 3,520 |  | 0.13 | %
Commercial and industrial | — |  |  |  |  | 1,883 |  |  | 1,883 |  | 0.13 | %
Consumer real estate | 231 |  |  |  |  | — |  |  | 231 |  | 0.01 | %
Total | $ | 231 |  |  |  |  | $ | 5,403 |  |  | $ | 5,634 |  | 0.07 | %
| Three Months Ended June 30, 2025
(dollars in thousands) | Term Extension |  |  |  | Term Extension and Payment Delays |  | Total | % of Portfolio Segment
Commercial and industrial | $ | 9,549 |  |  |  |  | $ | — |  |  | $ | 9,549 |  | 0.72 | %
Consumer real estate | 14 |  |  |  |  | 630 |  |  | 644 |  | 0.03 | %
Total | $ | 9,563 |  |  |  |  | $ | 630 |  |  | $ | 10,193 |  | 0.13 | %
| Six Months Ended June 30, 2026
(dollars in thousands) | Term Extension |  |  |  | Term Extension and Payment Delays |  | Total | % of Portfolio Segment
Commercial real estate | $ | — |  |  |  |  | $ | 3,520 |  |  | $ | 3,520 |  | 0.13 | %
Commercial and industrial | 4,038 |  |  |  |  | 14,032 |  |  | 18,070 |  | 1.28 | %
Business banking | 18 |  |  |  |  | — |  |  | 18 |  | — | %
Consumer real estate | 369 |  |  |  |  | — |  |  | 369 |  | 0.02 | %
Total | $ | 4,425 |  |  |  |  | $ | 17,552 |  |  | $ | 21,977 |  | 0.27 | %
| Six Months Ended June 30, 2025
(dollars in thousands) | Term Extension |  |  |  | Term Extension and Payment Delays |  | Total | % of Portfolio Segment
Commercial and industrial | $ | 9,549 |  |  |  |  | $ | 2,042 |  |  | $ | 11,591 |  | 0.88 | %
Consumer real estate | 276 |  |  |  |  | 630 |  |  | 906 |  | 0.05 | %
Total | $ | 9,825 |  |  |  |  | $ | 2,672 |  |  | $ | 12,497 |  | 0.16 | %
The following tables describe the effect of loan modifications made to borrowers experiencing financial difficulty during the periods presented:
|  |  | Three Months Ended June 30, 2026 |  |  | Six Months Ended June 30, 2026
|  |  | Weighted-Average Term Extension (in months) |  |  |  |  |  | Weighted-Average Term Extension and Payment Delays (in months) |  |  |  | Weighted-Average Term Extension (in months) |  |  |  |  |  | Weighted-Average Term Extension and Payment Delays (in months) |
Commercial real estate |  |  | — |  |  |  |  |  |  | 14 |  |  |  | — |  |  |  |  |  |  | 14 |
Commercial and industrial |  |  | — |  |  |  |  |  |  | 6 |  |  |  | 12 |  |  |  |  |  | 4 |
Business banking |  |  | — |  |  |  |  |  |  | — |  |  |  |  | 12 |  |  |  |  |  | — |  |
Consumer real estate |  |  | 276 |  |  |  |  |  | — |  |  |  |  | 303 |  |  |  |  |  | — |  |
|  |  | Three Months Ended June 30, 2025 |  | Six Months Ended June 30, 2025 |
|  |  | Weighted-Average Term Extension (in months) |  |  |  |  | Weighted-Average Term Extension and Payment Delays (in months) |  |  | Weighted-Average Term Extension (in months) |  |  |  |  |  | Weighted-Average Term Extension and Payment Delays (in months) |
Commercial and industrial |  |  | 7 |  |  |  |  |  | — |  |  |  | 7 |  |  |  |  |  |  | 13 |
Consumer real estate |  |  | 96 |  |  |  |  |  | 13 |  |  | 121 |  |  |  |  |  |  | 13 |
Summary of Aging Analysis of Modifications | The following tables present an aging analysis since the date of modification for loans to borrowers experiencing financial difficulty that were modified in the last 12 months as of the dates presented:
| June 30, 2026 |  |
(dollars in thousands) | Current |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90+ Days Past Due |  | Total |  |
Commercial real estate | $ | 3,538 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 3,538 |  |  |
Commercial and industrial | 22,372 |  |  | — |  |  | — |  |  | 10,189 |  |  | 32,561 |  |  |
Consumer real estate | 537 |  |  | — |  |  | — |  |  | 135 |  |  | 672 |  |  |
Total | $ | 26,447 |  |  | $ | — |  |  | $ | — |  |  | $ | 10,324 |  |  | $ | 36,771 |  |  |
| June 30, 2025
(dollars in thousands) | Current |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90+ Days Past Due |  |  |  | Total
Commercial real estate | $ | 541 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  |  |  | $ | 541 |
Commercial and industrial | 11,591 |  |  | — |  |  | — |  |  | — |  |  |  |  | 11,591 |
Consumer real estate | 995 |  |  | 117 |  |  | 98 |  |  | 75 |  |  |  |  | 1,285 |
Total | $ | 13,127 |  |  | $ | 117 |  |  | $ | 98 |  |  | $ | 75 |  |  |  |  | $ | 13,417 |
Schedule of Loans Credit Quality Indicators | The following tables present loan balances by year of origination and internally assigned risk rating for our portfolio segments at the dates presented:
| June 30, 2026
| Risk Rating by Year of Origination
(dollars in thousands) | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 and Prior | Revolving | Revolving-Term | Total
Commercial Real Estate |  |  |  |  |  |  |  |  |
Pass | $ | 136,999 |  | $ | 474,872 |  | $ | 333,754 |  | $ | 288,371 |  | $ | 267,047 |  | $ | 1,160,002 |  | $ | 36,559 |  | $ | — |  | $ | 2,697,604 |
Special mention | — |  | 4,275 |  | 2,569 |  | 4,539 |  | 8,262 |  | 43,159 |  | 1,330 |  | — |  | 64,134 |
Substandard | — |  | — |  | — |  | — |  | 730 |  | 21,850 |  | — |  | — |  | 22,580 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total Commercial Real Estate | 136,999 |  | 479,147 |  | 336,323 |  | 292,910 |  | 276,039 |  | 1,225,011 |  | 37,889 |  | — |  | 2,784,318 |
Year-to-date Gross Charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Commercial and Industrial |  |  |  |  |  |  |  |  |
Pass | 142,993 |  | 152,649 |  | 87,518 |  | 100,038 |  | 113,176 |  | 218,578 |  | 477,506 |  | — |  | 1,292,458 |
Special mention | — |  | 1,275 |  | 784 |  | 4,733 |  | 6,109 |  | 14,207 |  | 43,502 |  | — |  | 70,610 |
Substandard | — |  | — |  | — |  | 1,814 |  | — |  | 21,227 |  | 19,504 |  | — |  | 42,545 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | 2,421 |  | — |  | 2,421 |
Total Commercial and Industrial | 142,993 |  | 153,924 |  | 88,302 |  | 106,585 |  | 119,285 |  | 254,012 |  | 542,933 |  |  | 1,408,034 |
Year-to-date Gross Charge-offs | — |  | — |  | — |  | 198 |  | — |  | — |  | 555 |  | — |  | 753 |
Commercial Construction |  |  |  |  |  |  |  |  |
Pass | 61,703 |  | 257,445 |  | 91,356 |  | 35,260 |  | 9,314 |  | 2,795 |  | 8,337 |  | — |  | 466,210 |
Special mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total Commercial Construction | 61,703 |  | 257,445 |  | 91,356 |  | 35,260 |  | 9,314 |  | 2,795 |  | 8,337 |  | — |  | 466,210 |
Year-to-date Gross Charge-offs | — |  | — |  | 69 |  | — |  | — |  | — |  | — |  | — |  | 69 |
Business Banking |  |  |  |  |  |  |  |  |
Pass | 56,851 |  | 173,803 |  | 121,302 |  | 182,080 |  | 187,915 |  | 448,349 |  | 92,927 |  | 333 |  | 1,263,560 |
Special mention | — |  | — |  | 794 |  | 1,768 |  | 1,733 |  | 3,481 |  | 242 |  | 112 |  | 8,130 |
Substandard | — |  | — |  | 434 |  | 4,315 |  | 2,387 |  | 9,737 |  | 67 |  | 503 |  | 17,443 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total Business Banking | 56,851 |  | 173,803 |  | 122,530 |  | 188,163 |  | 192,035 |  | 461,567 |  | 93,236 |  | 948 |  | 1,289,133 |
Year-to-date Gross Charge-offs | — |  | 296 |  | — |  | 414 |  | 21 |  | 76 |  | 10 |  | — |  | 817 |
Consumer Real Estate |  |  |  |  |  |  |  |  |
Pass | 39,081 |  | 160,032 |  | 208,214 |  | 278,803 |  | 293,321 |  | 362,658 |  | 639,579 |  | 34,599 |  | 2,016,287 |
Special mention | — |  | — |  | — |  | — |  | — |  | 76 |  | — |  | — |  | 76 |
Substandard | — |  | 287 |  | 832 |  | 3,051 |  | 716 |  | 4,333 |  | 1,730 |  | 3,293 |  | 14,242 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total Consumer Real Estate | 39,081 |  | 160,319 |  | 209,046 |  | 281,854 |  | 294,037 |  | 367,067 |  | 641,309 |  | 37,892 |  | 2,030,605 |
Year-to-date Gross Charge-offs |  | — |  | 28 |  | 281 |  | — |  | 51 |  | 45 |  | 97 |  | 502 |
Other Consumer |  |  |  |  |  |  |  |  |
Pass | 3,458 |  | 5,315 |  | 4,070 |  | 2,771 |  | 2,619 |  | 1,182 |  | 45,309 |  | 15,182 |  | 79,906 |
Special mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Substandard | — |  | — |  | — |  | 20 |  | — |  | 145 |  | — |  | 15 |  | 180 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total Other Consumer | 3,458 |  | 5,315 |  | 4,070 |  | 2,791 |  | 2,619 |  | 1,327 |  | 45,309 |  | 15,197 |  | 80,086 |
Year-to-date Gross Charge-offs | 377 |  | — |  | 29 |  | 12 |  | 32 |  | 19 |  | — |  | 561 |  | 1,030 |
Pass | 441,085 |  | 1,224,116 |  | 846,214 |  | 887,323 |  | 873,392 |  | 2,193,564 |  | 1,300,217 |  | 50,114 |  | 7,816,025 |
Special mention | — |  | 5,550 |  | 4,147 |  | 11,040 |  | 16,104 |  | 60,923 |  | 45,074 |  | 112 |  | 142,950 |
Substandard | — |  | 287 |  | 1,266 |  | 9,200 |  | 3,833 |  | 57,292 |  | 21,301 |  | 3,811 |  | 96,990 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | 2,421 |  | — |  | 2,421 |
Total Loan Balance | $ | 441,085 |  | $ | 1,229,953 |  | $ | 851,627 |  | $ | 907,563 |  | $ | 893,329 |  | $ | 2,311,779 |  | $ | 1,369,013 |  | $ | 54,037 |  | $ | 8,058,386 |
Year-to-date Gross Charge-offs | $ | 377 |  | $ | 296 |  | $ | 126 |  | $ | 905 |  | $ | 53 |  | $ | 146 |  | $ | 610 |  | $ | 658 |  | $ | 3,171 |
| December 31, 2025
| Risk Rating by Year of Origination
(dollars in thousands) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 and Prior | Revolving | Revolving-Term | Total
Commercial Real Estate |  |  |  |  |  |  |  |  |
Pass | $ | 480,967 |  | $ | 312,777 |  | $ | 322,165 |  | $ | 311,087 |  | $ | 328,936 |  | $ | 1,047,543 |  | $ | 42,300 |  | $ | — |  | $ | 2,845,775 |
Special mention | — |  | 2,907 |  | — |  | 6,865 |  | 3,148 |  | 25,805 |  | 254 |  | — |  | 38,979 |
Substandard | — |  | — |  | 3,883 |  | 1,700 |  | 11,642 |  | 19,782 |  | — |  | — |  | 37,007 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total Commercial Real Estate | 480,967 |  | 315,684 |  | 326,048 |  | 319,652 |  | 343,726 |  | 1,093,130 |  | 42,554 |  | — |  | 2,921,761 |
Year-to-date Gross Charge-offs | — |  | — |  | — |  | 4,907 |  | — |  | 2,432 |  | — |  | — |  | 7,339 |
Commercial and Industrial |  |  |  |  |  |  |  |  |
Pass | 161,634 |  | 95,715 |  | 111,222 |  | 138,390 |  | 75,406 |  | 165,633 |  | 501,472 |  | — |  | 1,249,472 |
Special mention | — |  | 350 |  | 2,423 |  | 1,394 |  | 3 |  | 13,611 |  | 8,179 |  | — |  | 25,960 |
Substandard | — |  | — |  | 1,914 |  | — |  | 18,152 |  | 5,644 |  | 27,853 |  | — |  | 53,563 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | 1,610 |  | — |  | 1,610 |
Total Commercial and Industrial | 161,634 |  | 96,065 |  | 115,559 |  | 139,784 |  | 93,561 |  | 184,888 |  | 539,114 |  | — |  | 1,330,605 |
Year-to-date Gross Charge-offs | 256 |  | — |  | 4,014 |  | 172 |  | — |  | 2,089 |  | 192 |  | — |  | 6,723 |
Commercial Construction |  |  |  |  |  |  |  |  |
Pass | 172,822 |  | 118,952 |  | 43,093 |  | 18,762 |  | 2,520 |  | 1,260 |  | 7,099 |  | — |  | 364,508 |
Special mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Substandard | — |  | 869 |  | — |  | — |  | — |  | — |  | — |  | — |  | 869 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total Commercial Construction | 172,822 |  | 119,821 |  | 43,093 |  | 18,762 |  | 2,520 |  | 1,260 |  | 7,099 |  | — |  | 365,377 |
Year-to-date Gross Charge-offs | — |  | — |  | — |  | 118 |  | — |  | — |  | — |  | — |  | 118 |
Business Banking |  |  |  |  |  |  |  |  |
Pass | 182,401 |  | 132,196 |  | 201,106 |  | 197,145 |  | 157,792 |  | 328,135 |  | 93,701 |  | 453 |  | 1,292,929 |
Special mention | — |  | 394 |  | — |  | 427 |  | 137 |  | 2,871 |  | 4 |  | 161 |  | 3,994 |
Substandard | — |  | — |  | 5,175 |  | 2,208 |  | 3,364 |  | 7,574 |  | 151 |  | 468 |  | 18,940 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total Business Banking | 182,401 |  | 132,590 |  | 206,281 |  | 199,780 |  | 161,293 |  | 338,580 |  | 93,856 |  | 1,082 |  | 1,315,863 |
Year-to-date Gross Charge-offs | — |  | 19 |  | 132 |  | 39 |  | 225 |  | 699 |  | — |  | — |  | 1,114 |
Consumer Real Estate |  |  |  |  |  |  |  |  |
Pass | 161,896 |  | 220,705 |  | 297,533 |  | 306,440 |  | 119,775 |  | 277,507 |  | 618,767 |  | 29,868 |  | 2,032,491 |
Special mention | — |  | — |  | — |  | — |  | — |  | 84 |  | — |  | — |  | 84 |
Substandard | — |  | 583 |  | 2,927 |  | 522 |  | 186 |  | 4,399 |  | 2,006 |  | 3,873 |  | 14,496 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total Consumer Real Estate | 161,896 |  | 221,288 |  | 300,460 |  | 306,962 |  | 119,961 |  | 281,990 |  | 620,773 |  | 33,741 |  | 2,047,071 |
Year-to-date Gross Charge-offs | 5 |  | 35 |  | 134 |  | 2 |  | — |  | 156 |  | 31 |  | 465 |  | 828 |
Other Consumer |  |  |  |  |  |  |  |  |
Pass | 7,016 |  | 5,253 |  | 3,919 |  | 3,869 |  | 1,090 |  | 984 |  | 59,304 |  | 9,640 |  | 91,075 |
Special mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Substandard | — |  | — |  | 13 |  | — |  | 10 |  | 143 |  | — |  | 39 |  | 205 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total Other Consumer | 7,016 |  | 5,253 |  | 3,932 |  | 3,869 |  | 1,100 |  | 1,127 |  | 59,304 |  | 9,679 |  | 91,280 |
Year-to-date Gross Charge-offs | 1,027 |  | 35 |  | 36 |  | 73 |  | 30 |  | 58 |  | 1 |  | 693 |  | 1,953 |
Pass | 1,166,736 |  | 885,598 |  | 979,038 |  | 975,693 |  | 685,519 |  | 1,821,062 |  | 1,322,643 |  | 39,961 |  | 7,876,250 |
Special mention | — |  | 3,651 |  | 2,423 |  | 8,686 |  | 3,288 |  | 42,371 |  | 8,437 |  | 161 |  | 69,017 |
Substandard | — |  | 1,452 |  | 13,912 |  | 4,430 |  | 33,354 |  | 37,542 |  | 30,010 |  | 4,380 |  | 125,080 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | 1,610 |  | — |  | 1,610 |
Total Loan Balance | $ | 1,166,736 |  | $ | 890,701 |  | $ | 995,373 |  | $ | 988,809 |  | $ | 722,161 |  | $ | 1,900,975 |  | $ | 1,362,700 |  | $ | 44,502 |  | $ | 8,071,957 |
Year-to-date Gross Charge-offs | $ | 1,288 |  | $ | 89 |  | $ | 4,316 |  | $ | 5,311 |  | $ | 255 |  | $ | 5,434 |  | $ | 224 |  | $ | 1,158 |  | $ | 18,075 |
The following tables present loans that are individually evaluated and collateral-dependent at the dates presented:
| June 30, 2026
| Type of Collateral
(dollars in thousands) | Real Estate |  | Business Assets |  |  |
Commercial real estate | $ | 6,937 |  | $ | — |  |  |
Commercial and industrial | — |  | 13,761 |  |  |
Business banking | 2,281 |  | — |  |  |
Total | $ | 9,218 |  | $ | 13,761 |  |  |
| December 31, 2025
| Type of Collateral
(dollars in thousands) | Real Estate |  | Business Assets |  |  |
Commercial real estate | $ | 14,936 |  | $ | — |  |  |
Commercial and industrial | — |  | 24,835 |  |  |
Total | $ | 14,936 |  | $ | 24,835 |  |  |
Schedule of Age Analysis of Past Due Loans Segregated by Class of Loans | The following tables present the aging analysis of past due loans segregated by class of loans at the dates presented:
| June 30, 2026
(dollars in thousands) | Current |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  |  |  |  |  | Nonaccrual |  | Total Past Due Loans |  | Total Loans
Commercial real estate | $ | 2,773,080 |  |  | $ | — |  |  | $ | 4,301 |  |  |  |  |  |  | $ | 6,937 |  |  | $ | 11,238 |  |  | $ | 2,784,318 |
Commercial and industrial | 1,391,791 |  |  | — |  |  | — |  |  |  |  |  |  | 16,243 |  |  | 16,243 |  |  | 1,408,034 |
Commercial construction | 466,210 |  |  | — |  |  | — |  |  |  |  |  |  | — |  |  | — |  |  | 466,210 |
Business banking | 1,281,110 |  |  | 711 |  |  | 2,294 |  |  |  |  |  |  | 5,018 |  |  | 8,023 |  |  | 1,289,133 |
Consumer real estate | 2,013,568 |  |  | 2,697 |  |  | 2,462 |  |  |  |  |  |  | 11,878 |  |  | 17,037 |  |  | 2,030,605 |
Other consumer | 78,900 |  |  | 1,029 |  |  | 17 |  |  |  |  |  |  | 140 |  |  | 1,186 |  |  | 80,086 |
Total | $ | 8,004,659 |  |  | $ | 4,437 |  |  | $ | 9,074 |  |  |  |  |  |  | $ | 40,216 |  |  | $ | 53,727 |  |  | $ | 8,058,386 |
| December 31, 2025 |  |
(dollars in thousands) | Current |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  |  |  | Nonaccrual |  | Total Past Due Loans |  | Total Loans |  |
Commercial real estate | $ | 2,906,576 |  |  | $ | — |  |  | $ | — |  |  |  |  | $ | 15,185 |  |  | $ | 15,185 |  |  | $ | 2,921,761 |  |  |
Commercial and industrial | 1,305,388 |  |  | 311 |  |  | — |  |  |  |  | 24,906 |  |  | 25,217 |  |  | 1,330,605 |  |  |
Commercial construction | 364,508 |  |  | — |  |  | — |  |  |  |  | 869 |  |  | 869 |  |  | 365,377 |  |  |
Business banking | 1,308,368 |  |  | 999 |  |  | 2,920 |  |  |  |  | 3,576 |  |  | 7,495 |  |  | 1,315,863 |  |  |
Consumer real estate | 2,028,472 |  |  | 3,281 |  |  | 4,454 |  |  |  |  | 10,864 |  |  | 18,599 |  |  | 2,047,071 |  |  |
Other consumer | 90,503 |  |  | 604 |  |  | 15 |  |  |  |  | 158 |  |  | 777 |  |  | 91,280 |  |  |
Total | $ | 8,003,815 |  |  | $ | 5,195 |  |  | $ | 7,389 |  |  |  |  | $ | 55,558 |  |  | $ | 68,142 |  |  | $ | 8,071,957 |  |  |
Schedule of Loans on Nonaccrual Status and Loans Past Due 90 days Or More | The following tables present loans on nonaccrual status by class of loan for the year-to-date periods presented:
| June 30, 2026 |  |
(dollars in thousands) | Beginning of Period Nonaccrual |  | End of Period Nonaccrual |  | Nonaccrual With No Related Allowance |  |  |  |  |  | Interest Income Recognized on Nonaccrual(1) |  |
Commercial Real Estate | $ | 15,185 |  |  | $ | 6,937 |  |  | $ | 6,937 |  |  |  |  |  |  | $ | 169 |  |  |
Commercial and industrial | 24,906 |  |  | 16,243 |  |  | 3,325 |  |  |  |  |  |  | 192 |  |  |
Commercial construction | 869 |  |  | — |  |  | — |  |  |  |  |  |  | 4 |  |  |
Business banking | 3,576 |  |  | 5,018 |  |  | 2,281 |  |  |  |  |  |  | 63 |  |  |
Consumer real estate | 10,864 |  |  | 11,878 |  |  | — |  |  |  |  |  |  | 221 |  |  |
Other consumer | 158 |  |  | 140 |  |  | — |  |  |  |  |  |  | 1 |  |  |
Total | $ | 55,558 |  |  | $ | 40,216 |  |  | $ | 12,543 |  |  |  |  |  |  | $ | 650 |  |  |
(1) Represents only cash payments received and applied to interest on nonaccrual loans.
| December 31, 2025
(dollars in thousands) | Beginning of Period Nonaccrual |  | End of Period Nonaccrual |  | Nonaccrual With No Related Allowance |  |  |  | Interest Income Recognized on Nonaccrual(1)
Commercial real estate | $ | 3,228 |  |  | $ | 15,185 |  |  | $ | 14,936 |  |  |  |  | $ | 123 |
Commercial and industrial | 11,173 |  |  | 24,906 |  |  | 12,585 |  |  |  |  | 202 |
Commercial construction | — |  |  | 869 |  |  | — |  |  |  |  | 581 |
Business banking | 2,988 |  |  | 3,576 |  |  | — |  |  |  |  | 198 |
Consumer real estate | 10,318 |  |  | 10,864 |  |  | — |  |  |  |  | 592 |
Other consumer | 230 |  |  | 158 |  |  | — |  |  |  |  | 3 |
Total | $ | 27,937 |  |  | $ | 55,558 |  |  | $ | 27,521 |  |  |  |  | $ | 1,699 |
(1) Represents only cash payments received and applied to interest on nonaccrual loans.
Schedule of Allowance for Credit Loss | The following tables present activity in the ACL for the periods presented:
| Three Months Ended June 30, 2026
(dollars in thousands) | Commercial Real Estate |  | Commercial and Industrial |  | Commercial Construction |  | Business Banking |  | Consumer Real Estate |  | Other Consumer |  | Total Loans
Allowance for credit losses on loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 28,385 |  |  | $ | 30,693 |  |  | $ | 4,653 |  |  | $ | 10,919 |  |  | $ | 16,181 |  |  | $ | 2,440 |  |  | $ | 93,271 |
Provision for credit losses on loans(1) | 190 |  |  | 722 |  |  | 715 |  |  | (120) |  |  | (84) |  |  | (379) |  |  | 1,044 |
Charge-offs | — |  |  | (555) |  |  | (69) |  |  | (263) |  |  | (201) |  |  | (148) |  |  | (1,236) |
Recoveries | 2 |  |  | 34 |  |  | — |  |  | 91 |  |  | 69 |  |  | 45 |  |  | 241 |
Net (Charge-offs) Recoveries | 2 |  |  | (521) |  |  | (69) |  |  | (172) |  |  | (132) |  |  | (103) |  |  | (995) |
Balance at End of Period | $ | 28,577 |  |  | $ | 30,894 |  |  | $ | 5,299 |  |  | $ | 10,627 |  |  | $ | 15,965 |  |  | $ | 1,958 |  |  | $ | 93,320 |
(1) Excludes the provision for credit losses for unfunded commitments. |  |  |  |  |  |  |  |  |  |
| Three Months Ended June 30, 2025
(dollars in thousands) | Commercial Real Estate |  | Commercial and Industrial |  | Commercial Construction |  | Business Banking |  | Consumer Real Estate |  | Other Consumer |  | Total Loans
Allowance for credit losses on loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 29,895 |  |  | $ | 33,414 |  |  | $ | 5,880 |  |  | $ | 11,213 |  |  | $ | 15,907 |  |  | $ | 2,701 |  |  | $ | 99,010 |
Provision for credit losses on loans(1) | 438 |  |  | (1,157) |  |  | 677 |  |  | 387 |  |  | (206) |  |  | 589 |  |  | 728 |
Charge-offs | — |  |  | (256) |  |  | (89) |  |  | (179) |  |  | (390) |  |  | (742) |  |  | (1,656) |
Recoveries | 2 |  |  | 79 |  |  | — |  |  | 40 |  |  | 216 |  |  | 161 |  |  | 498 |
Net (Charge-offs) Recoveries | 2 |  |  | (177) |  |  | (89) |  |  | (139) |  |  | (174) |  |  | (581) |  |  | (1,158) |
Balance at End of Period | $ | 30,335 |  |  | $ | 32,080 |  |  | $ | 6,468 |  |  | $ | 11,461 |  |  | $ | 15,527 |  |  | $ | 2,709 |  |  | $ | 98,580 |
(1) Excludes the provision for credit losses for unfunded commitments. |  |  |  |  |  |  |  |  |  |
| Six Months Ended June 30, 2026
(dollars in thousands) | Commercial Real Estate |  | Commercial and Industrial |  | Commercial Construction |  | Business Banking |  | Consumer Real Estate |  | Other Consumer |  | Total Loans
Allowance for credit losses on loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 29,357 |  |  | $ | 29,142 |  |  | $ | 4,400 |  |  | $ | 11,335 |  |  | $ | 16,297 |  |  | $ | 2,647 |  |  | $ | 93,178 |
Provision for credit losses on loans(1) | (784) |  |  | 2,406 |  |  | 968 |  |  | — |  |  | 63 |  |  | 171 |  |  | 2,824 |
Charge-offs | — |  |  | (753) |  |  | (69) |  |  | (817) |  |  | (502) |  |  | (1,030) |  |  | (3,171) |
Recoveries | 4 |  |  | 99 |  |  | — |  |  | 109 |  |  | 107 |  |  | 170 |  |  | 489 |
Net (Charge-offs) Recoveries | 4 |  |  | (654) |  |  | (69) |  |  | (708) |  |  | (395) |  |  | (860) |  |  | (2,682) |
Balance at End of Period | $ | 28,577 |  |  | $ | 30,894 |  |  | $ | 5,299 |  |  | $ | 10,627 |  |  | $ | 15,965 |  |  | $ | 1,958 |  |  | $ | 93,320 |
(1) Excludes the provision for credit losses for unfunded commitments. |  |  |  |  |  |  |  |  |  |
| Six Months Ended June 30, 2025
(dollars in thousands) | Commercial Real Estate |  | Commercial and Industrial |  | Commercial Construction |  | Business Banking |  | Consumer Real Estate |  | Other Consumer |  | Total Loans
Allowance for credit losses on loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 30,254 |  |  | $ | 37,084 |  |  | $ | 4,893 |  |  | $ | 10,681 |  |  | $ | 15,776 |  |  | $ | 2,806 |  |  | $ | 101,494 |
Provision for credit losses on loans(1) | (54) |  |  | (4,800) |  |  | 1,694 |  |  | 1,037 |  |  | (47) |  |  | 387 |  |  | (1,783) |
Charge-offs | — |  |  | (428) |  |  | (119) |  |  | (322) |  |  | (552) |  |  | (1,119) |  |  | (2,540) |
Recoveries | 135 |  |  | 224 |  |  | — |  |  | 65 |  |  | 350 |  |  | 635 |  |  | 1,409 |
Net (Charge-offs) Recoveries | 135 |  |  | (204) |  |  | (119) |  |  | (257) |  |  | (202) |  |  | (484) |  |  | (1,131) |
Balance at End of Period | $ | 30,335 |  |  | $ | 32,080 |  |  | $ | 6,468 |  |  | $ | 11,461 |  |  | $ | 15,527 |  |  | $ | 2,709 |  |  | $ | 98,580 |
(1) Excludes the provision for credit losses for unfunded commitments. |  |  |  |  |  |  |  |  |  |

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