Amounts outstanding for Loans, by segment and class, are shown in the following table.


(In Millions)	JUNE 30, 2025		DECEMBER 31, 2024
Commercial
Commercial and Institutional(1)	$	9,894.0	$	10,537.1
Commercial Real Estate	5,266.0		5,314.2
Non-U.S.(1)	2,540.8		2,113.9

Other	2,384.7		2,313.6
Total Commercial	20,085.5		20,278.8
Personal
Private Client	16,290.9		15,848.8
Residential Real Estate	6,082.8		6,109.9
Non-U.S.	498.9		674.7
Other	365.3		478.4
Total Personal	23,237.9		23,111.8
Total Loans	$	43,323.4	$	43,390.6

Loan segment and class balances as of June 30, 2025 and December 31, 2024 are provided in the following table, segregated by borrower ratings into “1 to 3,” “4 to 5” and “6 to 9” (watch list, defaulted, and nonaccrual status) categories by year of origination at amortized cost basis. Loans that are held for investment are reported at the principal amount outstanding, net of unearned income.

TABLE 45: CREDIT QUALITY INDICATOR AT AMORTIZED COST BASIS BY ORIGINATION YEAR


June 30, 2025	TERM LOANS												REVOLVING LOANS		REVOLVING LOANS CONVERTED TO TERM LOANS
(In Millions)	2025		2024		2023		2022		2021		PRIOR						TOTAL
Commercial
Commercial and Institutional
Risk Rating:
1 to 3 Category	$	144.2	$	479.8	$	190.9	$	292.5	$	277.8	$	349.7	$	4,054.0	$	51.2	$	5,840.1
4 to 5 Category	281.4		721.5		426.2		326.6		248.2		155.7		1,508.7		44.6		3,712.9
6 to 9 Category	24.6		15.8		127.1		57.1		15.2		8.4		83.1		9.7		341.0
Total Commercial and Institutional	450.2		1,217.1		744.2		676.2		541.2		513.8		5,645.8		105.5		9,894.0
C&I Gross Charge-offs	—		—		—		—		—		(0.2)		—		—		(0.2)
Commercial Real Estate
Risk Rating:
1 to 3 Category	47.8		121.7		59.1		116.3		69.4		42.3		26.4		14.0		497.0
4 to 5 Category	279.9		695.8		1,598.9		981.7		527.0		276.0		254.7		5.1		4,619.1
6 to 9 Category	—		—		—		139.4		6.0		4.5		—		—		149.9
Total Commercial Real Estate	327.7		817.5		1,658.0		1,237.4		602.4		322.8		281.1		19.1		5,266.0
Commercial Real Estate Gross Charge-offs	—		—		—		(0.1)		—		—		—		—		(0.1)
Non-U.S.
Risk Rating:
1 to 3 Category	995.3		79.5		21.2		—		—		150.0		406.3		—		1,652.3
4 to 5 Category	548.4		65.9		37.1		0.8		—		165.5		57.1		—		874.8
6 to 9 Category	0.5		—		—		13.2		—		—		—		—		13.7
Total Non-U.S.	1,544.2		145.4		58.3		14.0		—		315.5		463.4		—		2,540.8







Other
Risk Rating:
1 to 3 Category	1,471.7		—		—		—		—		—		—		—		1,471.7
4 to 5 Category	913.0		—		—		—		—		—		—		—		913.0
6 to 9 Category	—		—		—		—		—		—		—		—		—
Total Other	2,384.7		—		—		—		—		—		—		—		2,384.7

Total Commercial	4,706.8		2,180.0		2,460.5		1,927.6		1,143.6		1,152.1		6,390.3		124.6		20,085.5
Commercial Gross Charge-offs	—		—		—		(0.1)		—		(0.2)		—		—		(0.3)
Personal
Private Client
Risk Rating:
1 to 3 Category	73.0		144.6		99.9		104.1		50.3		28.8		7,560.2		96.3		8,157.2
4 to 5 Category	113.7		565.1		215.0		290.6		162.1		278.2		6,021.3		450.1		8,096.1
6 to 9 Category	—		0.1		15.6		—		—		—		21.3		0.6		37.6
Total Private Client	186.7		709.8		330.5		394.7		212.4		307.0		13,602.8		547.0		16,290.9
Private Client Gross Charge-offs	—		—		—		—		—		(0.1)		—		—		(0.1)
Residential Real Estate
Risk Rating:
1 to 3 Category	159.4		173.8		143.9		365.6		405.7		1,071.0		166.8		—		2,486.2
4 to 5 Category	128.6		242.7		265.2		636.4		635.8		1,426.9		197.1		1.9		3,534.6
6 to 9 Category	—		—		—		6.6		3.1		30.6		11.5		10.2		62.0
Total Residential Real Estate	288.0		416.5		409.1		1,008.6		1,044.6		2,528.5		375.4		12.1		6,082.8

Non-U.S.
Risk Rating:
1 to 3 Category	2.3		0.4		—		—		0.5		11.9		111.6		—		126.7
4 to 5 Category	8.2		14.5		12.9		14.9		22.7		10.3		272.9		7.2		363.6
6 to 9 Category	—		7.7		—		—		—		0.9		—		—		8.6
Total Non-U.S.	10.5		22.6		12.9		14.9		23.2		23.1		384.5		7.2		498.9

Other
Risk Rating:
1 to 3 Category	190.6		—		—		—		—		—		—		—		190.6
4 to 5 Category	174.6		—		—		—		—		—		—		—		174.6
6 to 9 Category	0.1		—		—		—		—		—		—		—		0.1
Total Other	365.3		—		—		—		—		—		—		—		365.3

Total Personal	850.5		1,148.9		752.5		1,418.2		1,280.2		2,858.6		14,362.7		566.3		23,237.9
Personal Gross Charge-offs	—		—		—		—		—		(0.1)		—		—		(0.1)
Total Loans	$	5,557.3	$	3,328.9	$	3,213.0	$	3,345.8	$	2,423.8	$	4,010.7	$	20,753.0	$	690.9	$	43,323.4
Total Loans Gross Charge-offs	$	—	$	—	$	—	$	(0.1)	$	—	$	(0.3)	$	—	$	—	$	(0.4)


December 31, 2024	TERM LOANS												REVOLVING LOANS		REVOLVING LOANS CONVERTED TO TERM LOANS
(In Millions)	2024		2023		2022		2021		2020		PRIOR						TOTAL
Commercial
Commercial and Institutional
Risk Rating:
1 to 3 Category	$	462.1	$	238.2	$	367.9	$	466.2	$	82.2	$	277.2	$	4,364.8	$	26.5	$	6,285.1
4 to 5 Category	708.3		506.4		392.5		428.3		82.3		144.2		1,585.1		59.7		3,906.8
6 to 9 Category	34.8		89.3		65.8		70.2		2.3		2.3		73.6		6.9		345.2
Total Commercial and Institutional	1,205.2		833.9		826.2		964.7		166.8		423.7		6,023.5		93.1		10,537.1
C&I Gross Charge-offs	—		(7.3)		(5.4)		—		—		—		—		—		(12.7)
Commercial Real Estate
Risk Rating:
1 to 3 Category	123.2		256.3		224.4		203.7		13.8		43.7		52.6		—		917.7
4 to 5 Category	610.1		1,574.2		1,070.4		424.8		173.2		174.4		198.0		5.2		4,230.3
6 to 9 Category	14.0		15.8		125.7		6.0		4.3		0.4		—		—		166.2
Total Commercial Real Estate	747.3		1,846.3		1,420.5		634.5		191.3		218.5		250.6		5.2		5,314.2
CRE Gross Charge-offs	—		—		(2.4)		—		—		—		—		—		(2.4)
Non-U.S.
Risk Rating:
1 to 3 Category	707.1		—		—		—		70.6		28.8		614.9		—		1,421.4
4 to 5 Category	480.5		83.9		0.8		25.0		—		27.9		59.9		—		678.0
6 to 9 Category	0.9		—		13.6		—		—		—		—		—		14.5
Total Non-U.S.	1,188.5		83.9		14.4		25.0		70.6		56.7		674.8		—		2,113.9
Other
Risk Rating:
1 to 3 Category	1,142.4		—		—		—		—		—		—		—		1,142.4
4 to 5 Category	1,171.2		—		—		—		—		—		—		—		1,171.2
Total Other	2,313.6		—		—		—		—		—		—		—		2,313.6
Other Gross Charge-offs	—		—		—		—		—		—		—		—		—
Total Commercial	5,454.6		2,764.1		2,261.1		1,624.2		428.7		698.9		6,948.9		98.3		20,278.8
Commercial Gross Charge-offs	—		(7.3)		(7.8)		—		—		—		—		—		(15.1)
Personal
Private Client
Risk Rating:
1 to 3 Category	251.3		33.9		84.4		37.9		7.9		44.6		6,993.2		93.3		7,546.5
4 to 5 Category	249.0		660.2		384.0		390.5		123.5		181.3		5,734.8		535.3		8,258.6
6 to 9 Category	—		16.1		—		—		—		—		27.6		—		43.7
Total Private Client	500.3		710.2		468.4		428.4		131.4		225.9		12,755.6		628.6		15,848.8
Residential Real Estate (RRE)
Risk Rating:
1 to 3 Category	197.5		150.5		436.7		375.2		325.7		743.6		114.3		—		2,343.5
4 to 5 Category	212.7		263.6		647.2		706.0		652.1		938.1		270.2		2.1		3,692.0
6 to 9 Category	1.7		—		6.8		3.9		2.3		32.5		27.2		—		74.4
Total Residential Real Estate	411.9		414.1		1,090.7		1,085.1		980.1		1,714.2		411.7		2.1		6,109.9
RRE Gross Charge-offs	—		—		—		—		—		(0.1)		—		—		(0.1)
Non-U.S.
Risk Rating:
1 to 3 Category	3.3		1.0		—		—		—		6.0		369.6		—		379.9
4 to 5 Category	19.5		16.0		15.2		39.1		—		19.6		170.3		7.2		286.9
6 to 9 Category	7.8		—		—		—		—		0.1		—		—		7.9
Total Non-U.S.	30.6		17.0		15.2		39.1		—		25.7		539.9		7.2		674.7
Other
Risk Rating:
1 to 3 Category	168.5		—		—		—		—		—		—		—		168.5
4 to 5 Category	309.9		—		—		—		—		—		—		—		309.9
Total Other	478.4		—		—		—		—		—		—		—		478.4
Other Gross Charge-offs	—		—		—		—		—		(0.3)		—		—		(0.3)
Total Personal	1,421.2		1,141.3		1,574.3		1,552.6		1,111.5		1,965.8		13,707.2		637.9		23,111.8
Personal Gross Charge-Offs	$	—	$	—	$	—	$	—	$	—	$	(0.4)	$	—	$	—	$	(0.4)
Total Loans	6,875.8		3,905.4		3,835.4		3,176.8		1,540.2		2,664.7		20,656.1		736.2		43,390.6
Total Loans Gross Charge-Offs	$	—	$	(7.3)	$	(7.8)	$	—	$	—	$	(0.4)	$	—	$	—	$	(15.5)

The following table provides balances and delinquency status of accrual and nonaccrual loans by segment and class, as well as the other real estate owned and nonaccrual asset balances, as of June 30, 2025 and December 31, 2024.

TABLE 46: DELINQUENCY STATUS


	ACCRUAL														NONACCRUAL WITH NO ALLOWANCE
(In Millions)	CURRENT		30 – 59 DAYS PAST DUE		60 – 89 DAYS PAST DUE		90 DAYS OR MORE PAST DUE		TOTAL ACCRUAL		NONACCRUAL		TOTAL LOANS
June 30, 2025
Commercial
Commercial and Institutional	$	9,807.9	$	36.7	$	—	$	5.3	$	9,849.9	$	44.1	$	9,894.0	$	21.4
Commercial Real Estate	5,223.3		21.7		6.0		9.4		5,260.4		5.6		5,266.0		—
Non-U.S.	2,540.3		—		—		—		2,540.3		0.5		2,540.8		—

Other	2,384.7		—		—		—		2,384.7		—		2,384.7		—
Total Commercial	19,956.2		58.4		6.0		14.7		20,035.3		50.2		20,085.5		21.4
Personal
Private Client	16,049.5		110.5		98.1		21.1		16,279.2		11.7		16,290.9		5.0
Residential Real Estate	6,048.6		—		2.8		0.5		6,051.9		30.9		6,082.8		26.1
Non-U.S.	494.2		1.1		—		3.6		498.9		—		498.9		—
Other	365.3		—		—		—		365.3		—		365.3		—
Total Personal	22,957.6		111.6		100.9		25.2		23,195.3		42.6		23,237.9		31.1
Total Loans	$	42,913.8	$	170.0	$	106.9	$	39.9	$	43,230.6	$	92.8	$	43,323.4	$	52.5


	ACCRUAL														NONACCRUAL WITH NO ALLOWANCE
(In Millions)	CURRENT		30 – 59 DAYS PAST DUE		60 – 89 DAYS PAST DUE		90 DAYS OR MORE PAST DUE		TOTAL ACCRUAL		NONACCRUAL		TOTAL LOANS
December 31, 2024
Commercial
Commercial and Institutional	$	10,486.9	$	12.8	$	0.7	$	6.9	$	10,507.3	$	29.8	$	10,537.1	$	10.5
Commercial Real Estate	5,304.9		3.3		—		0.4		5,308.6		5.6		5,314.2		5.6
Non-U.S.	2,113.0		—		0.4		—		2,113.4		0.5		2,113.9		—
Other	2,313.6		—		—		—		2,313.6		—		2,313.6		—
Total Commercial	20,218.4		16.1		1.1		7.3		20,242.9		35.9		20,278.8		16.1
Personal
Private Client	15,677.6		87.7		15.2		66.0		15,846.5		2.3		15,848.8		0.7
Residential Real Estate	6,063.4		17.2		2.5		9.0		6,092.1		17.8		6,109.9		17.8
Non-U.S	673.1		1.6		—		—		674.7		—		674.7		—
Other	478.4		—		—		—		478.4		—		478.4		—
Total Personal	22,892.5		106.5		17.7		75.0		23,091.7		20.1		23,111.8		18.5
Total Loans	$	43,110.9	$	122.6	$	18.8	$	82.3	$	43,334.6	$	56.0	$	43,390.6	$	34.6