v3.25.2
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LEASES (Tables)
 6 Months Ended
Jun. 30, 2025
Receivables [Abstract]  
Schedule of Changes in Allowance for Credit Losses by Loan and Lease Class
Following is a summary of changes in the ACL, by loan and lease class:
TABLE 5.1
(in millions)Balance at
Beginning of
Period		Charge-
Offs		RecoveriesNet
(Charge-
Offs) Recoveries		Provision for Credit LossesBalance at
End of
Period
Three Months Ended June 30, 2025
Commercial real estate$173.4 $(3.0)$0.2 $(2.8)$8.9 $179.5 
Commercial and industrial88.6 (18.1)2.5 (15.6)15.3 88.3 
Commercial leases22.8 (0.1)— (0.1)(1.1)21.6 
Other4.4 (1.1)0.2 (0.9)1.1 4.6 
Total commercial loans and leases289.2 (22.3)2.9 (19.4)24.2 294.0 
Direct installment28.1 (0.2)0.2 — (1.5)26.6 
Residential mortgages94.1 (1.4)0.1 (1.3)2.6 95.4 
Indirect installment9.2 (1.7)0.8 (0.9)1.0 9.3 
Consumer lines of credit8.3 (0.3)0.1 (0.2)(1.3)6.8 
Total consumer loans139.7 (3.6)1.2 (2.4)0.8 138.1 
Total allowance for credit losses on loans and leases428.9 (25.9)4.1 (21.8)25.0 432.1 
Allowance for unfunded loan commitments20.3 — — — 0.7 21.0 
Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments$449.2 $(25.9)$4.1 $(21.8)$25.7 $453.1 
Six Months Ended June 30, 2025
Commercial real estate$166.9 $(10.6)$0.6 $(10.0)$22.6 $179.5 
Commercial and industrial85.6 (22.4)5.0 (17.4)20.1 88.3 
Commercial leases22.9 (0.2)— (0.2)(1.1)21.6 
Other4.3 (2.2)0.5 (1.7)2.0 4.6 
Total commercial loans and leases279.7 (35.4)6.1 (29.3)43.6 294.0 
Direct installment29.1 (0.6)0.3 (0.3)(2.2)26.6 
Residential mortgages95.9 (1.8)0.2 (1.6)1.1 95.4 
Indirect installment9.5 (3.9)1.2 (2.7)2.5 9.3 
Consumer lines of credit8.6 (0.6)0.2 (0.4)(1.4)6.8 
Total consumer loans143.1 (6.9)1.9 (5.0)— 138.1 
Total allowance for credit losses on loans and leases422.8 (42.3)8.0 (34.3)43.6 432.1 
Allowance for unfunded loan commitments21.4 — — — (0.4)21.0 
Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments$444.2 $(42.3)$8.0 $(34.3)$43.2 $453.1 
(in millions)Balance at
Beginning of
Period		Charge-
Offs		RecoveriesNet
(Charge-
Offs) Recoveries		Provision
for Credit
Losses		Balance at
End of
Period
Three Months Ended June 30, 2024
Commercial real estate$161.9 $(3.2)$0.8 $(2.4)$(1.8)$157.7 
Commercial and industrial86.9 (4.7)1.7 (3.0)9.6 93.5 
Commercial leases22.4 — 0.1 0.1 0.4 22.9 
Other4.1 (1.0)0.6 (0.4)0.3 4.0 
Total commercial loans and leases275.3 (8.9)3.2 (5.7)8.5 278.1 
Direct installment30.6 (0.4)0.2 (0.2)0.5 30.9 
Residential mortgages79.3 (0.2)0.1 (0.1)9.0 88.2 
Indirect installment12.5 (2.5)0.9 (1.6)2.2 13.1 
Consumer lines of credit8.6 (0.3)0.1 (0.2)0.1 8.5 
Total consumer loans131.0 (3.4)1.3 (2.1)11.8 140.7 
Total allowance for credit losses on loans and leases406.3 (12.3)4.5 (7.8)20.3 418.8 
Allowance for unfunded loan commitments 21.9 — — — (0.1)21.8 
Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments$428.2 $(12.3)$4.5 $(7.8)$20.2 $440.6 
Six Months Ended June 30, 2024
Commercial real estate$166.6 $(10.3)$1.2 $(9.1)$0.2 $157.7 
Commercial and industrial87.8 (8.6)2.5 (6.1)11.8 93.5 
Commercial leases21.2 (0.2)0.1 (0.1)1.8 22.9 
Other3.7 (1.9)0.9 (1.0)1.3 4.0 
Total commercial loans and leases279.3 (21.0)4.7 (16.3)15.1 278.1 
Direct installment33.8 (0.6)0.4 (0.2)(2.7)30.9 
Residential mortgages70.5 (0.2)0.1 (0.1)17.8 88.2 
Indirect installment12.8 (5.4)1.5 (3.9)4.2 13.1 
Consumer lines of credit9.2 (0.6)0.5 (0.1)(0.6)8.5 
Total consumer loans126.3 (6.8)2.5 (4.3)18.7 140.7 
Total allowance for credit losses on loans and leases405.6 (27.8)7.2 (20.6)33.8 418.8 
Allowance for unfunded loan commitments21.5 — — — 0.3 21.8 
Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments$427.1 $(27.8)$7.2 $(20.6)$34.1 $440.6 
Following is a summary of changes in the AULC by portfolio segment:
TABLE 5.2
Three Months Ended
June 30,		Six Months Ended
June 30,
2025202420252024
(in millions)
Balance at beginning of period$20.3 $21.9 $21.4 $21.5 
Provision for unfunded loan commitments and letters of credit:
Commercial portfolio0.8 (0.1)(0.3)0.4 
Consumer portfolio(0.1)— (0.1)(0.1)
Balance at end of period$21.0 $21.8 $21.0 $21.8