LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Tables)

6 Months Ended

Jun. 30, 2025

Summary of Major Portfolio Segment and Specific Loan Class

The following schedule presents our loan and lease portfolio according to major portfolio segment and specific class:


(In millions)	June 30, 2025		December 31, 2024

Loans held for sale	$	172	$	74
Commercial:
Commercial and industrial	$	17,526	$	16,891
Owner-occupied	9,377		9,333
Municipal	4,376		4,364
Leasing	367		377
Total commercial	31,646		30,965
Commercial real estate:
Term	11,186		10,703
Construction and land development	2,425		2,774
Total commercial real estate	13,611		13,477
Consumer:
1-4 family residential	10,431		9,939
Home equity credit line	3,784		3,641
Construction and other consumer real estate	743		810
Bankcard and other revolving plans	496		457
Other	122		121
Total consumer	15,576		14,968

Total loans and leases	$	60,833	$	59,410

Loans Held For Sale

The following schedule presents loans added to, or sold from, the held for sale category during the periods presented:


	Three Months Ended June 30,				Six Months Ended June 30,
(In millions)	2025		2024		2025		2024

Loans added to held for sale	$	272	$	270	$	448	$	399
Loans sold from held for sale	211		171		350		341

Summary of Changes in the Allowance for Credit Losses

Changes in the ACL are summarized as follows:


	Three Months Ended June 30, 2025
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses
Balance at beginning of period	$	337	$	271	$	89	$	697
Provision for loan losses	31		(40)		12		3
Gross loan and lease charge-offs	12		1		3		16
Recoveries	5		—		1		6
Net loan and lease charge-offs (recoveries)	7		1		2		10
Balance at end of period	$	361	$	230	$	99	$	690
Reserve for unfunded lending commitments


Balance at beginning of period	$	28	$	10	$	8	$	46
Provision for unfunded lending commitments	(6)		2		—		(4)
Balance at end of period	$	22	$	12	$	8	$	42
Total allowance for credit losses at end of period
Allowance for loan losses	$	361	$	230	$	99	$	690
Reserve for unfunded lending commitments	22		12		8		42
Total allowance for credit losses	$	383	$	242	$	107	$	732


	Six Months Ended June 30, 2025
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses
Balance at beginning of period	$	308	$	300	$	88	$	696
Provision for loan losses	72		(69)		17		20
Gross loan and lease charge-offs	31		1		8		40
Recoveries	12		—		2		14
Net loan and lease charge-offs (recoveries)	19		1		6		26
Balance at end of period	$	361	$	230	$	99	$	690
Reserve for unfunded lending commitments
Balance at beginning of period	$	26	$	11	$	8	$	45
Provision for unfunded lending commitments	(4)		1		—		(3)
Balance at end of period	$	22	$	12	$	8	$	42
Total allowance for credit losses at end of period
Allowance for loan losses	$	361	$	230	$	99	$	690
Reserve for unfunded lending commitments	22		12		8		42
Total allowance for credit losses	$	383	$	242	$	107	$	732


	Three Months Ended June 30, 2024
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses
Balance at beginning of period	$	296	$	299	$	104	$	699
Provision for loan losses	10		12		(10)		12
Gross loan and lease charge-offs	8		11		2		21
Recoveries	4		—		2		6
Net loan and lease charge-offs (recoveries)	4		11		—		15
Balance at end of period	$	302	$	300	$	94	$	696
Reserve for unfunded lending commitments


Balance at beginning of period	$	19	$	10	$	8	$	37
Provision for unfunded lending commitments	(3)		(3)		(1)		(7)
Balance at end of period	$	16	$	7	$	7	$	30
Total allowance for credit losses at end of period
Allowance for loan losses	$	302	$	300	$	94	$	696
Reserve for unfunded lending commitments	16		7		7		30
Total allowance for credit losses	$	318	$	307	$	101	$	726


	Six Months Ended June 30, 2024
(In millions)	Commercial		Commercial real estate		Consumer		Total
Allowance for loan losses
Balance at beginning of period	$	302	$	241	$	141	$	684
Provision for loan losses	8		69		(44)		33
Gross loan and lease charge-offs	18		11		6		35
Recoveries	10		1		3		14
Net loan and lease charge-offs (recoveries)	8		10		3		21
Balance at end of period	$	302	$	300	$	94	$	696
Reserve for unfunded lending commitments
Balance at beginning of period	$	19	$	17	$	9	$	45
Provision for unfunded lending commitments	(3)		(10)		(2)		(15)
Balance at end of period	$	16	$	7	$	7	$	30
Total allowance for credit losses at end of period
Allowance for loan losses	$	302	$	300	$	94	$	696
Reserve for unfunded lending commitments	16		7		7		30
Total allowance for credit losses	$	318	$	307	$	101	$	726

Summary of Nonaccrual Loans

The following schedule presents the amortized cost basis of loans on nonaccrual:


	June 30, 2025
	Amortized cost basis				Total amortized cost basis
(In millions)	with no allowance		with allowance				Related allowance


Commercial:
Commercial and industrial	$	10	$	103	$	113	$	14
Owner-occupied	11		28		39		2
Municipal	—		5		5		2
Leasing	—		2		2		—
Total commercial	21		138		159		18
Commercial real estate:
Term	3		57		60		3

Total commercial real estate	3		57		60		3
Consumer:
1-4 family residential	8		50		58		5
Home equity credit line	1		29		30		8

Bankcard and other revolving plans	—		1		1		1

Total consumer	9		80		89		14
Total	$	33	$	275	$	308	$	35


	December 31, 2024
	Amortized cost basis				Total amortized cost basis
(In millions)	with no allowance		with allowance				Related allowance



Commercial:
Commercial and industrial	$	45	$	69	$	114	$	19
Owner-occupied	18		13		31		1
Municipal	5		6		11		2
Leasing	—		2		2		1
Total commercial	68		90		158		23
Commercial real estate:
Term	27		32		59		4

Total commercial real estate	27		32		59		4
Consumer:
1-4 family residential	12		37		49		4
Home equity credit line	5		25		30		5

Bankcard and other revolving plans	—		1		1		1

Total consumer	17		63		80		10
Total	$	112	$	185	$	297	$	37

The following schedule presents the amount of accrued interest receivables reversed from interest income, categorized by loan portfolio segment during the periods presented:


	Three Months Ended June 30,				Six Months Ended June 30,
(In millions)	2025		2024		2025		2024

Commercial	$	4	$	4	$	7	$	6
Commercial real estate	1		1		3		3
Consumer	1		1		2		2
Total	$	6	$	6	$	12	$	11

Summary of Past Due Loans (Accruing and Nonaccruing)

Past due loans (accruing and nonaccruing) are summarized as follows:


	June 30, 2025
(In millions)	Current		30-89 days past due		90+ days past due		Total past due		Total loans		Accruing loans 90+ days past due		Nonaccrual loans that are current 1

Commercial:
Commercial and industrial	$	17,458	$	32	$	36	$	68	$	17,526	$	2	$	75
Owner-occupied	9,350		6		21		27		9,377		—		17
Municipal	4,376		—		—		—		4,376		1		5
Leasing	365		1		1		2		367		—		—
Total commercial	31,549		39		58		97		31,646		3		97
Commercial real estate:
Term	11,151		3		32		35		11,186		—		27
Construction and land development	2,424		1		—		1		2,425		—		—
Total commercial real estate	13,575		4		32		36		13,611		—		27
Consumer:
1-4 family residential	10,382		12		37		49		10,431		—		20
Home equity credit line	3,762		12		10		22		3,784		—		16
Construction and other consumer real estate	742		1		—		1		743		—		—
Bankcard and other revolving plans	492		3		1		4		496		1		—
Other	121		1		—		1		122		—		—
Total consumer	15,499		29		48		77		15,576		1		36
Total	$	60,623	$	72	$	138	$	210	$	60,833	$	4	$	160


	December 31, 2024
(In millions)	Current		30-89 days past due		90+ days past due		Total past due		Total loans		Accruing loans 90+ days past due		Nonaccrual loans that are current 1

Commercial:
Commercial and industrial	$	16,857	$	20	$	14	$	34	$	16,891	$	1	$	98
Owner-occupied	9,309		10		14		24		9,333		3		16
Municipal	4,348		6		10		16		4,364		10		11
Leasing	377		—		—		—		377		—		2
Total commercial	30,891		36		38		74		30,965		14		127
Commercial real estate:
Term	10,667		2		34		36		10,703		3		28
Construction and land development	2,774		—		—		—		2,774		—		—
Total commercial real estate	13,441		2		34		36		13,477		3		28
Consumer:
1-4 family residential	9,896		16		27		43		9,939		—		15
Home equity credit line	3,609		20		12		32		3,641		—		13
Construction and other consumer real estate	810		—		—		—		810		—		—
Bankcard and other revolving plans	453		2		2		4		457		1		—
Other	121		—		—		—		121		—		—
Total consumer	14,889		38		41		79		14,968		1		28
Total	$	59,221	$	76	$	113	$	189	$	59,410	$	18	$	183

1 Represents nonaccrual loans that are not past due more than 30 days; however, full payment of principal and interest is not expected.

Summary of Outstanding Loan Balances (Accruing and Nonaccruing) Categorized by Credit Quality Indicators

The following schedule presents the amortized cost basis of loans and leases categorized by year of origination and by credit quality classification as monitored by management. Loans that have been modified resulting in substantially different terms than the original loan are included in the period in which the modification occurred.


	June 30, 2025
	Term loans												Revolving loans amortized cost basis		Revolving loans converted to term loans amortized cost basis
	Amortized cost basis by year of origination
(In millions)	2025		2024		2023		2022		2021		Prior						Total
Commercial:
Commercial and industrial
Pass	$	1,699	$	2,300	$	1,688	$	1,042	$	554	$	861	$	8,356	$	148	$	16,648
Special Mention	3		23		16		27		5		17		158		3		252
Accruing Substandard	1		65		47		191		17		15		166		11		513
Nonaccrual	12		3		2		27		5		24		13		27		113
Total commercial and industrial	1,715		2,391		1,753		1,287		581		917		8,693		189		17,526
Owner-occupied
Pass	637		1,291		773		1,494		1,530		2,754		241		47		8,767
Special Mention	1		66		1		19		30		29		—		1		147
Accruing Substandard	2		30		28		124		102		113		20		5		424
Nonaccrual	—		7		2		8		2		18		2		—		39
Total owner-occupied	640		1,394		804		1,645		1,664		2,914		263		53		9,377
Municipal
Pass	293		597		478		877		907		1,156		—		41		4,349
Special Mention	—		3		—		—		—		—		—		—		3
Accruing Substandard	—		—		—		—		—		19		—		—		19
Nonaccrual	—		—		—		—		5		—		—		—		5
Total municipal	293		600		478		877		912		1,175		—		41		4,376
Leasing
Pass	41		98		70		84		20		34		—		—		347
Special Mention	—		1		—		—		—		—		—		—		1
Accruing Substandard	—		2		2		10		2		1		—		—		17
Nonaccrual	—		—		1		1		—		—		—		—		2
Total leasing	41		101		73		95		22		35		—		—		367
Total commercial	2,689		4,486		3,108		3,904		3,179		5,041		8,956		283		31,646
Commercial real estate:
Term
Pass	1,139		1,485		1,283		2,089		1,147		2,169		322		155		9,789
Special Mention	—		41		—		44		—		1		—		—		86
Accruing Substandard	246		156		78		466		140		84		1		80		1,251
Nonaccrual	27		—		—		23		—		10		—		—		60
Total term	1,412		1,682		1,361		2,622		1,287		2,264		323		235		11,186
Construction and land development
Pass	161		453		563		194		1		1		745		44		2,162
Special Mention	—		—		61		32		—		—		—		—		93
Accruing Substandard	95		9		19		47		—		—		—		—		170
Nonaccrual	—		—		—		—		—		—		—		—		—
Total construction and land development	256		462		643		273		1		1		745		44		2,425
Total commercial real estate	1,668		2,144		2,004		2,895		1,288		2,265		1,068		279		13,611


	June 30, 2025
	Term loans												Revolving loans amortized cost basis		Revolving loans converted to term loans amortized cost basis
	Amortized cost basis by year of origination
(In millions)	2025		2024		2023		2022		2021		Prior						Total














Consumer:
1-4 family residential
Pass	$	462	$	1,010	$	919	$	3,115	$	1,872	$	2,992	$	—	$	—	$	10,370
Special Mention	—		—		—		—		—		—		—		—		—
Accruing Substandard	—		—		—		—		1		2		—		—		3
Nonaccrual	—		1		4		11		12		30		—		—		58
Total 1-4 family residential	462		1,011		923		3,126		1,885		3,024		—		—		10,431
Home equity credit line
Pass	—		—		—		—		—		—		3,643		104		3,747
Special Mention	—		—		—		—		—		—		—		—		—
Accruing Substandard	—		—		—		—		—		—		7		—		7
Nonaccrual	—		—		—		—		—		—		25		5		30
Total home equity credit line	—		—		—		—		—		—		3,675		109		3,784
Construction and other consumer real estate
Pass	66		281		136		241		16		3		—		—		743
Special Mention	—		—		—		—		—		—		—		—		—
Accruing Substandard	—		—		—		—		—		—		—		—		—
Nonaccrual	—		—		—		—		—		—		—		—		—
Total construction and other consumer real estate	66		281		136		241		16		3		—		—		743
Bankcard and other revolving plans
Pass	—		—		—		—		—		—		492		1		493
Special Mention	—		—		—		—		—		—		—		—		—
Accruing Substandard	—		—		—		—		—		—		2		—		2
Nonaccrual	—		—		—		—		—		—		1		—		1
Total bankcard and other revolving plans	—		—		—		—		—		—		495		1		496
Other consumer
Pass	39		34		25		16		6		2		—		—		122
Special Mention	—		—		—		—		—		—		—		—		—
Accruing Substandard	—		—		—		—		—		—		—		—		—
Nonaccrual	—		—		—		—		—		—		—		—		—
Total other consumer	39		34		25		16		6		2		—		—		122
Total consumer	567		1,326		1,084		3,383		1,907		3,029		4,170		110		15,576
Total loans	$	4,924	$	7,956	$	6,196	$	10,182	$	6,374	$	10,335	$	14,194	$	672	$	60,833


	December 31, 2024
	Term loans												Revolving loans amortized cost basis		Revolving loans converted to term loans amortized cost basis
	Amortized cost basis by year of origination
(In millions)	2024		2023		2022		2021		2020		Prior						Total
Commercial:
Commercial and industrial
Pass	$	2,479	$	1,951	$	1,504	$	759	$	387	$	679	$	8,043	$	150	$	15,952
Special Mention	37		24		47		8		2		34		85		5		242
Accruing Substandard	53		43		200		26		28		21		200		12		583
Nonaccrual	7		13		31		17		1		4		38		3		114
Total commercial and industrial	2,576		2,031		1,782		810		418		738		8,366		170		16,891
Owner-occupied
Pass	1,346		907		1,606		1,657		900		2,097		234		47		8,794
Special Mention	38		—		38		31		2		18		18		1		146
Accruing Substandard	23		28		75		66		25		133		7		5		362
Nonaccrual	5		1		4		1		—		15		5		—		31
Total owner-occupied	1,412		936		1,723		1,755		927		2,263		264		53		9,333
Municipal
Pass	604		498		939		960		553		753		—		29		4,336
Special Mention	—		—		—		—		—		—		—		—		—
Accruing Substandard	10		4		—		—		—		3		—		—		17
Nonaccrual	3		—		—		5		—		3		—		—		11
Total municipal	617		502		939		965		553		759		—		29		4,364
Leasing
Pass	109		79		94		26		12		36		—		—		356
Special Mention	—		—		2		—		—		—		—		—		2
Accruing Substandard	1		3		10		2		1		—		—		—		17
Nonaccrual	—		1		1		—		—		—		—		—		2
Total leasing	110		83		107		28		13		36		—		—		377
Total commercial	4,715		3,552		4,551		3,558		1,911		3,796		8,630		252		30,965
Commercial real estate:
Term
Pass	1,687		1,198		2,093		1,278		1,053		1,608		254		175		9,346
Special Mention	48		—		87		—		—		5		—		—		140
Accruing Substandard	298		105		443		144		13		102		27		26		1,158
Nonaccrual	—		—		23		—		—		10		—		26		59
Total term	2,033		1,303		2,646		1,422		1,066		1,725		281		227		10,703
Construction and land development
Pass	361		701		445		4		1		9		680		52		2,253
Special Mention	—		22		21		17		—		—		—		25		85
Accruing Substandard	57		52		249		78		—		—		—		—		436
Nonaccrual	—		—		—		—		—		—		—		—		—
Total construction and land development	418		775		715		99		1		9		680		77		2,774
Total commercial real estate	2,451		2,078		3,361		1,521		1,067		1,734		961		304		13,477


	December 31, 2024
	Term loans												Revolving loans amortized cost basis		Revolving loans converted to term loans amortized cost basis
	Amortized cost basis by year of origination
(In millions)	2024		2023		2022		2021		2020		Prior						Total














Consumer:
1-4 family residential
Pass	$	1,062	$	870	$	2,959	$	1,877	$	925	$	2,197	$	—	$	—	$	9,890
Special Mention	—		—		—		—		—		—		—		—		—
Accruing Substandard	—		—		—		—		—		—		—		—		—
Nonaccrual	—		3		8		9		2		27		—		—		49
Total 1-4 family residential	1,062		873		2,967		1,886		927		2,224		—		—		9,939
Home equity credit line
Pass	—		—		—		—		—		—		3,506		99		3,605
Special Mention	—		—		—		—		—		—		—		—		—
Accruing Substandard	—		—		—		—		—		—		6		—		6
Nonaccrual	—		—		—		—		—		—		22		8		30
Total home equity credit line	—		—		—		—		—		—		3,534		107		3,641
Construction and other consumer real estate
Pass	157		191		420		34		5		3		—		—		810
Special Mention	—		—		—		—		—		—		—		—		—
Accruing Substandard	—		—		—		—		—		—		—		—		—
Nonaccrual	—		—		—		—		—		—		—		—		—
Total construction and other consumer real estate	157		191		420		34		5		3		—		—		810
Bankcard and other revolving plans
Pass	—		—		—		—		—		—		453		1		454
Special Mention	—		—		—		—		—		—		—		—		—
Accruing Substandard	—		—		—		—		—		—		2		—		2
Nonaccrual	—		—		—		—		—		—		1		—		1
Total bankcard and other revolving plans	—		—		—		—		—		—		456		1		457
Other consumer
Pass	52		35		22		8		2		2		—		—		121
Special Mention	—		—		—		—		—		—		—		—		—
Accruing Substandard	—		—		—		—		—		—		—		—		—
Nonaccrual	—		—		—		—		—		—		—		—		—
Total other consumer	52		35		22		8		2		2		—		—		121
Total consumer	1,271		1,099		3,409		1,928		934		2,229		3,990		108		14,968
Total loans	$	8,437	$	6,729	$	11,321	$	7,007	$	3,912	$	7,759	$	13,581	$	664	$	59,410

The following schedules present gross charge-offs by year of loan origination for the periods presented.


	Three Months Ended June 30, 2025
	Term loans												Revolving loans gross charge-offs		Revolving loans converted to term loans gross charge-offs
	Gross charge-offs by year of loan origination
(In millions)	2025		2024		2023		2022		2021		Prior						Total
Commercial:
Commercial and industrial	$	—	$	1	$	1	$	1	$	2	$	1	$	6	$	—	$	12




Commercial real estate:
Term	1		—		—		—		—		—		—		—		1


Consumer:
1-4 family residential	—		—		—		—		—		1		—		—		1


Bankcard and other revolving plans	—		—		—		—		—		—		2		—		2

Total consumer	—		—		—		—		—		1		2		—		3
Total gross charge-offs	$	1	$	1	$	1	$	1	$	2	$	2	$	8	$	—	$	16

	Six Months Ended June 30, 2025
	Term loans												Revolving loans gross charge-offs		Revolving loans converted to term loans gross charge-offs
	Gross charge-offs by year of loan origination
(In millions)	2025		2024		2023		2022		2021		Prior						Total
Commercial:
Commercial and industrial	$	—	$	1	$	2	$	1	$	3	$	11	$	13	$	—	$	31




Commercial real estate:
Term	1		—		—		—		—		—		—		—		1


Consumer:
1-4 family residential	—		—		—		—		1		2		—		—		3
Home equity credit line	—		—		—		—		—		—		1		—		1

Bankcard and other revolving plans	—		—		—		—		—		—		4		—		4

Total consumer	—		—		—		—		1		2		5		—		8
Total gross charge-offs	$	1	$	1	$	2	$	1	$	4	$	13	$	18	$	—	$	40


	Three Months Ended June 30, 2024
	Term loans												Revolving loans gross charge-offs		Revolving loans converted to term loans gross charge-offs
	Gross charge-offs by year of loan origination
(In millions)	2024		2023		2022		2021		2020		Prior						Total
Commercial:
Commercial and industrial	$	—	$	1	$	1	$	1	$	—	$	3	$	2	$	—	$	8




Commercial real estate:
Term	—		7		4		—		—		—		—		—		11


Consumer:



Bankcard and other revolving plans	—		—		—		—		—		—		2		—		2


Total gross charge-offs	$	—	$	8	$	5	$	1	$	—	$	3	$	4	$	—	$	21

	Six Months Ended June 30, 2024
	Term loans												Revolving loans gross charge-offs		Revolving loans converted to term loans gross charge-offs
	Gross charge-offs by year of loan origination
(In millions)	2024		2023		2022		2021		2020		Prior						Total
Commercial:
Commercial and industrial	$	—	$	2	$	4	$	2	$	—	$	3	$	6	$	1	$	18




Commercial real estate:
Term	—		7		4		—		—		—		—		—		11


Consumer:
1-4 family residential	—		—		—		—		—		1		—		—		1


Bankcard and other revolving plans	—		—		—		—		—		—		4		—		4
Other	—		—		—		—		—		1		—		—		1
Total consumer	—		—		—		—		—		2		4		—		6
Total gross charge-offs	$	—	$	9	$	8	$	2	$	—	$	5	$	10	$	1	$	35

Summary of TDRs (Accruing and Nonaccruing) Categorized by Loan Class and Modification Type

The amortized cost of loans to borrowers experiencing financial difficulty that were modified during the period, by loan class and modification type, is summarized in the following schedule:


	Three Months Ended June 30, 2025
	Amortized cost associated with the following modification types:
(Dollar amounts in millions)	Interest rate reduction		Maturity or term extension		Principal forgiveness		Payment deferral		Multiple modification types 1		Total 2		Percentage of total loans 3
Commercial:
Commercial and industrial	$	—	$	45	$	—	$	—	$	—	$	45	0.3	%
Owner-occupied	—		1		—		—		—		1		—

Total commercial	—		46		—		—		—		46		0.1
Commercial real estate:
Term	—		180		—		—		7		187		1.7
Construction and land development	—		25		—		—		—		25		1.0
Total commercial real estate	—		205		—		—		7		212		1.6
Consumer:
1-4 family residential	—		—		—		—		1		1		—





Total	$	—	$	251	$	—	$	—	$	8	$	259	0.4


	Six Months Ended June 30, 2025
	Amortized cost associated with the following modification types:
(Dollar amounts in millions)	Interest rate reduction		Maturity or term extension		Principal forgiveness		Payment deferral		Multiple modification types 1		Total 2		Percentage of total loans 3
Commercial:
Commercial and industrial	$	—	$	67	$	—	$	—	$	—	$	67	0.4	%
Owner-occupied	—		5		—		—		—		5		0.1

Total commercial	—		72		—		—		—		72		0.2
Commercial real estate:
Term	—		301		—		8		7		316		2.8
Construction and land development	—		25		—		—		—		25		1.0
Total commercial real estate	—		326		—		8		7		341		2.5
Consumer:
1-4 family residential	—		—		—		—		7		7		0.1





Total	$	—	$	398	$	—	$	8	$	14	$	420	0.7


	Three Months Ended June 30, 2024
	Amortized cost associated with the following modification types:
(Dollar amounts in millions)	Interest rate reduction		Maturity or term extension		Principal forgiveness		Payment deferral		Multiple modification types 1		Total 2		Percentage of total loans 3
Commercial:
Commercial and industrial	$	—	$	27	$	—	$	—	$	1	$	28	0.2	%
Owner-occupied	—		2		—		—		—		2		—

Total commercial	—		29		—		—		1		30		0.1
Commercial real estate:
Term	—		16		—		—		—		16		0.1


Consumer:
1-4 family residential	—		—		1		—		—		1		—





Total	$	—	$	45	$	1	$	—	$	1	$	47	0.1


	Six Months Ended June 30, 2024
	Amortized cost associated with the following modification types:
(Dollar amounts in millions)	Interest rate reduction		Maturity or term extension		Principal forgiveness		Payment deferral		Multiple modification types 1		Total 2		Percentage of total loans 3
Commercial:
Commercial and industrial	$	—	$	55	$	—	$	1	$	4	$	60	0.4	%
Owner-occupied	—		2		—		—		2		4		—
Municipal	—		3		—		—		—		3		0.1
Total commercial	—		60		—		1		6		67		0.2
Commercial real estate:
Term	—		103		—		—		—		103		1.0
Construction and land development	—		2		—		—		—		2		0.1
Total commercial real estate	—		105		—		—		—		105		0.8
Consumer:
1-4 family residential	—		—		2		—		2		4		—
Home equity credit line	—		—		—		—		1		1		—



Total consumer	—		—		2		—		3		5		—
Total	$	—	$	165	$	2	$	1	$	9	$	177	0.3

1 Includes modifications that resulted from a combination of interest rate reduction, maturity or term extension, principal forgiveness, and payment deferral modifications.

2 Unfunded lending commitments related to loans modified to borrowers experiencing financial difficulty totaled $38 million and $10 million at June 30, 2025 and June 30, 2024, respectively.

3 Amounts less than 0.05% are rounded to zero.

The financial impact of loan modifications to borrowers experiencing financial difficulty is summarized in the following schedules:


	Three Months Ended June 30, 2025			Six Months Ended June 30, 2025
	Weighted-average interest rate reduction (in percentage points)		Weighted-average term extension (in months)	Weighted-average interest rate reduction (in percentage points)		Weighted-average term extension (in months)
Commercial:
Commercial and industrial	—	%	15	—	%	13
Owner-occupied	—		3	—		89


Total commercial	—		14	—		18
Commercial real estate:
Term	0.1		10	0.1		10
Construction and land development	—		9	—		9
Total commercial real estate	0.1		9	0.1		10
Consumer:1
1-4 family residential	—		3	—		3




Total consumer	—		3	—		3
Total weighted average financial impact	0.1		10	0.1		11


	Three Months Ended June 30, 2024			Six Months Ended June 30, 2024
	Weighted-average interest rate reduction (in percentage points)		Weighted-average term extension (in months)	Weighted-average interest rate reduction (in percentage points)		Weighted-average term extension (in months)
Commercial:
Commercial and industrial	0.6	%	3	0.1	%	8
Owner-occupied	—		1	0.1		4
Municipal	—		0	—		61

Total commercial	0.6		3	0.1		10
Commercial real estate:
Term	—		3	—		11
Construction and land development	—		5	—		14
Total commercial real estate	—		3	—		11
Consumer:1
1-4 family residential	—		0	1.3		78
Home equity credit line	—		0	6.8		42


Other	—		0	—		71
Total consumer	—		0	4.8		67
Total weighted average financial impact	0.6		3	1.0		12

1 Primarily relates to a small number of loans within each consumer loan class.

The following schedule presents the aging of loans to borrowers experiencing financial difficulty that were modified on or after July 1, 2024 through June 30, 2025, presented by portfolio segment and loan class:


	June 30, 2025
(In millions)	Current		30-89 days past due		90+ days past due		Total past due		Total amortized cost of loans

Commercial:
Commercial and industrial	$	63	$	1	$	3	$	4	$	67
Owner-occupied	4		1		—		1		5


Total commercial	67		2		3		5		72
Commercial real estate:
Term	306		—		10		10		316
Construction and land development	25		—		—		—		25
Total commercial real estate	331		—		10		10		341
Consumer:
1-4 family residential	6		—		1		1		7





Total	$	404	$	2	$	14	$	16	$	420

The following schedule presents the aging of loans to borrowers experiencing financial difficulty that were modified on or after July 1, 2023 through June 30, 2024, presented by portfolio segment and loan class:


	June 30, 2024
(In millions)	Current		30-89 days past due		90+ days past due		Total past due		Total amortized cost of loans

Commercial:
Commercial and industrial	$	83	$	1	$	4	$	5	$	88
Owner-occupied	8		—		—		—		8
Municipal	11		—		—		—		11

Total commercial	102		1		4		5		107
Commercial real estate:
Term	156		26		2		28		184
Construction and land development	19		—		2		2		21
Total commercial real estate	175		26		4		30		205
Consumer:
1-4 family residential	4		—		—		—		4
Home equity credit line	1		—		—		—		1


Other	1		—		—		—		1
Total consumer	6		—		—		—		6
Total	$	283	$	27	$	8	$	35	$	318

Summary of Collateral-Dependent Loans

Select information on loans for which the borrower is experiencing financial difficulties and repayment is expected to be provided substantially through the operation or sale of the underlying collateral, including the type of collateral and the extent to which the collateral secures the loans, is summarized as follows:


	June 30, 2025
(Dollar amounts in millions)	Amortized cost		Major types of collateral	Weighted average LTV 1
Commercial:
Commercial and industrial	$	1	Equipment and machinery	101%
Owner-occupied	9		Industrial building	56%
Municipal	5		Multifamily apartments	169%


Commercial real estate:
Term	51		Office building	96%


Consumer:
1-4 family residential	3		Single family residential	48%


Total	$	69


	December 31, 2024
(Dollar amounts in millions)	Amortized cost		Major types of collateral	Weighted average LTV 1
Commercial:

Owner occupied	$	6	Retail facility	64%
Municipal	5		Multifamily apartments	174%


Commercial real estate:
Term	49		Office building	98%


Consumer:
1-4 family residential	3		Single family residential	38%
Home equity credit line	3		Single family residential	29%




Total	$	66

1 The fair value is based on the most recent appraisal or other collateral evaluation.