
Dollars in millions	March 31, 2026		December 31, 2025
Commercial and industrial (b)	$	60,651	$	57,688
Commercial real estate:
Commercial mortgage	14,144		13,707
Construction	2,801		2,844
Total commercial real estate loans	16,945		16,551
Commercial lease financing	2,200		2,270
Total commercial loans	79,796		76,509

Real estate — residential mortgage	18,483		18,732
Home equity loans	5,528		5,703
Total residential loans	24,011		24,435
Other consumer loans	4,477		4,644
Credit cards	906		953

Total consumer loans	29,394		30,032
Total loans (c)	$	109,190	$	106,541

(a)Accrued interest of $443 million and $459 million at March 31, 2026, and December 31, 2025, respectively, presented in "Accrued income and other assets" on the Consolidated Balance Sheets is excluded from the amortized cost basis disclosed in this table.

(b)Loan balances include $207 million and $205 million of commercial credit card balances at March 31, 2026, and December 31, 2025, respectively.

(c)Total loans exclude loans of $194 million at March 31, 2026, and $205 million at December 31, 2025, related to the discontinued operations of the education lending business. These amounts are included within “Discontinued assets” on the Consolidated Balance Sheet.

We have access to secured borrowings from the Federal Reserve and advances from the FHLB. As of March 31, 2026 and December 31, 2025, loans and leases totaling $73.9 billion and $71.0 billion, respectively, were pledged to the FRB and FHLB for access to these contingent funding sources.