| 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 | | Six Months Ended June 30, 2025 | | | | | | | | | | | Beginning balance | $ | 47,907 | | | $ | 23 | | | $ | 5,351 | | | $ | 51 | | | $ | 53,332 | | | Provision for off-balance sheet credit losses | 4,075 | | | 7 | | | (767) | | | (16) | | | 3,299 | | | Ending balance | $ | 51,982 | | | $ | 30 | | | $ | 4,584 | | | $ | 35 | | | $ | 56,631 | | | Six Months Ended June 30, 2024 | | | | | | | | | | | Beginning balance | $ | 36,040 | | | $ | 6 | | | $ | 10,147 | | | $ | 169 | | | $ | 46,362 | | | Provision for off-balance sheet credit losses | 1,222 | | | 23 | | | (2,363) | | | 75 | | | (1,043) | | | Ending balance | $ | 37,262 | | | $ | 29 | | | $ | 7,784 | | | $ | 244 | | | $ | 45,319 | | | | | | | | | | | | | | | | | | | (in thousands) | | | | | | | June 30, 2025 | | December 31, 2024 | | | | | | | | | | | | Commitments to extend credit - period end balance | | | | | | | $ | 10,488,980 | | | $ | 9,694,406 | | | Standby letters of credit - period end balance | | | | | | | 548,540 | | | 538,047 | |
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