v3.26.1
Loans And The Allowance For Credit Losses
 3 Months Ended
Mar. 31, 2026
Receivables [Abstract]  
Loans And The Allowance For Credit Losses
NOTE 4. LOANS AND THE ALLOWANCE FOR CREDIT LOSSES
LOANS
The following table presents the distribution of Regions' loan portfolio by segment and class, net of unearned income:
March 31, 2026December 31, 2025
 (In millions)
Commercial and industrial$50,824 $48,790 
Commercial real estate mortgage—owner-occupied5,004 4,845 
Commercial real estate construction—owner-occupied261 263 
Total commercial56,089 53,898 
Commercial investor real estate mortgage7,706 7,172 
Commercial investor real estate construction1,938 1,934 
Total investor real estate9,644 9,106 
Residential first mortgage19,621 19,765 
Home equity lines3,210 3,232 
Home equity loans2,287 2,324 
Consumer credit card1,472 1,519 
Other consumer5,603 5,793 
Total consumer32,193 32,633 
Total loans, net of unearned income$97,926 $95,637 
ALLOWANCE FOR CREDIT LOSSES
Regions determines the appropriate level of the allowance on a quarterly basis. Refer to Note 1 "Summary of Significant Accounting Policies" in the Annual Report on Form 10-K for the year ended December 31, 2025 for a description of the methodology.
ROLLFORWARD OF ALLOWANCE FOR CREDIT LOSSES
The following tables present analyses of the allowance for credit losses by portfolio segment for the three months ended March 31, 2026 and 2025.
Three Months Ended March 31, 2026
 
CommercialInvestor Real
Estate		ConsumerTotal
 (In millions)
Allowance for loan losses, January 1, 2026$755 $120 $681 $1,556 
Provision for (benefit from) loan losses105 (12)8 101 
Loan losses:
Charge-offs(88)— (63)(151)
Recoveries9 — 12 21 
Net loan losses(79)— (51)(130)
Allowance for loan losses, March 31, 2026781 108 638 1,527 
Reserve for unfunded credit commitments, January 1, 202695 15 20 130 
Provision for (benefit from) unfunded credit commitments(8)(1)(1)(10)
Reserve for unfunded credit commitments, March 31, 202687 14 19 120 
Allowance for credit losses, March 31, 2026$868 $122 $657 $1,647 
 Three Months Ended March 31, 2025
 CommercialInvestor Real
Estate		ConsumerTotal
 (In millions)
Allowance for loan losses, January 1, 2025$743 $240 $630 $1,613 
Provision for loan losses49 18 56 123 
Loan losses:
Charge-offs(59)(22)(64)(145)
Recoveries12 — 10 22 
Net loan losses(47)(22)(54)(123)
Allowance for loan losses, March 31, 2025745 236 632 1,613 
Reserve for unfunded credit commitments January 1, 202591 7 18 116 
Provision for unfunded credit commitments— 1 — 1 
Reserve for unfunded credit commitments, March 31, 202591 8 18 117 
Allowance for credit losses, March 31, 2025$836 $244 $650 $1,730 
PORTFOLIO SEGMENT RISK FACTORS
Regions' portfolio segments are commercial, investor real estate, and consumer. Classes within each segment present unique credit risks. Refer to Note 5 "Allowance for Credit Losses" in the Annual Report on Form 10-K for the year ended December 31, 2025 for information regarding Regions' portfolio segments and related classes, as well as the risks specific to each.
CREDIT QUALITY INDICATORS
The commercial and investor real estate portfolio segments' primary credit quality indicator is internal risk ratings which are detailed by categories related to underlying credit quality and probability of default. Regions assigns these risk ratings at loan origination and reviews the relationship utilizing a risk-based approach on, at minimum, an annual basis or at any time management becomes aware of information affecting the borrowers' ability to fulfill their obligations. Both quantitative and qualitative factors are considered in this review process. Refer to Note 5 "Allowance for Credit Losses" in the Annual Report on Form 10-K for the year ended December 31, 2025 for information regarding commercial risk ratings.
Regions' consumer portfolio segment has various classes that present unique credit risks. Regions considers factors such as periodic updates of FICO scores, accrual status, days past due status, unemployment rates, home prices, and geography as credit quality indicators for the consumer loan portfolio. FICO scores are obtained at origination as part of Regions' formal underwriting process. Refreshed FICO scores are obtained by the Company quarterly for most consumer loans, including residential first mortgage loans. Current FICO data is not available for certain loans in the portfolio for various reasons; for example, if customers do not use sufficient credit, an updated score may not be available. These categories are utilized to develop the associated allowance for credit losses. The higher the FICO score the less probability of default and vice versa.
The following tables present applicable credit quality indicators for the loan portfolio segments and classes, excluding loans held for sale and gross charge-offs, by vintage year as of March 31, 2026 and December 31, 2025. Regions defines the vintage date for the purposes of disclosure as the date of the most recent credit decision. In general, renewals that are categorized as new credit decisions reflect the renewal date as the vintage date. Classes in the commercial and investor real estate portfolio segments are disclosed by risk rating. Classes in the consumer portfolio segment are disclosed by current FICO scores. Refer to Note 5 "Allowance for Credit Losses" in the Annual Report on Form 10-K for the year ended December 31, 2025 for more information regarding Regions' credit quality indicators.
March 31, 2026
Term LoansRevolving Loans Revolving Loans Converted to Amortizing
Other (1)
Total
20262025202420232022Prior
(In millions)
Commercial and industrial:
Risk rating:
   Pass$2,994 $9,471 $5,245 $2,337 $3,011 $5,017 $20,536 $— $349 $48,960 
   Special Mention6 31 39 85 130 35 239 — — 565 
   Substandard Accrual7 176 22 179 96 27 321 — — 828 
   Non-accrual34 95 49 74 31 41 147 — — 471 
Total commercial and industrial$3,041 $9,773 $5,355 $2,675 $3,268 $5,120 $21,243 $— $349 $50,824 
Commercial real estate mortgage—owner-occupied:
Risk rating:
   Pass$224 $746 $736 $547 $705 $1,534 $163 $— $(5)$4,650 
   Special Mention5 26 5 6 31 84 1 — — 158 
   Substandard Accrual11 52 13 7 18 39 3 — — 143 
   Non-accrual7 1 6 6 8 25 — — — 53 
Total commercial real estate mortgage—owner-occupied:$247 $825 $760 $566 $762 $1,682 $167 $— $(5)$5,004 
Commercial real estate construction—owner-occupied:
Risk rating:
   Pass$11 $79 $25 $15 $29 $58 $13 $— $— $230 
   Special Mention— 1 7 3 4 7 — — — 22 
   Substandard Accrual— 5 — 2 — — — — — 7 
   Non-accrual— — 1 — — 1 — — — 2 
Total commercial real estate construction—owner-occupied:$11 $85 $33 $20 $33 $66 $13 $— $— $261 
Total commercial$3,299 $10,683 $6,148 $3,261 $4,063 $6,868 $21,423 $— $344 $56,089 
Commercial investor real estate mortgage:
Risk rating:
   Pass$1,072 $2,453 $949 $699 $752 $340 $553 $— $(7)$6,811 
   Special Mention36 112 32 39 98 1 3 — — 321 
   Substandard Accrual29 153 1 42 116 60 70 — — 471 
   Non-accrual— 8 26 — 24 — 45 — — 103 
Total commercial investor real estate mortgage$1,137 $2,726 $1,008 $780 $990 $401 $671 $— $(7)$7,706 
Commercial investor real estate construction:
Risk rating:
   Pass$105 $336 $335 $187 $54 $1 $693 $— $(13)$1,698 
   Special Mention2 43 — 29 71 — 38 — — 183 
   Substandard Accrual— — — — 45 — 12 — — 57 
   Non-accrual— — — — — — — — — — 
Total commercial investor real estate construction$107 $379 $335 $216 $170 $1 $743 $— $(13)$1,938 
Total investor real estate$1,244 $3,105 $1,343 $996 $1,160 $402 $1,414 $— $(20)$9,644 
March 31, 2026
Term LoansRevolving Loans Revolving Loans Converted to Amortizing
Other (1)
Total
20262025202420232022Prior
(In millions)
Residential first mortgage:
FICO scores:
   Above 720$313 $1,294 $1,072 $1,639 $2,438 $9,379 $— $— $— $16,135 
   681-72025 103 82 135 195 690 — — — 1,230 
   620-6807 48 46 79 122 493 — — — 795 
   Below 620— 24 54 103 166 711 — — — 1,058 
   Data not available18 47 26 14 12 118 3 — 165 403 
Total residential first mortgage$363 $1,516 $1,280 $1,970 $2,933 $11,391 $3 $— $165 $19,621 
Home equity lines:
FICO scores:
   Above 720$— $— $— $— $— $— $2,418 $57 — $2,475 
   681-720— — — — — — 341 14 — 355 
   620-680— — — — — — 202 13 — 215 
   Below 620— — — — — — 120 10 — 130 
   Data not available— — — — — — — — 35 35 
Total home equity lines$— $— $— $— $— $— $3,081 $94 $35 $3,210 
Home equity loans:
FICO scores:
   Above 720$63 $313 $236 $191 $244 $711 $— $— $— $1,758 
   681-72014 49 43 29 34 84 — — — 253 
   620-6805 21 21 19 21 67 — — — 154 
   Below 620— 5 13 14 17 57 — — — 106 
   Data not available— — — — — — — — 16 16 
Total home equity loans$82 $388 $313 $253 $316 $919 $— $— $16 $2,287 
Consumer credit card:
FICO scores:
Above 720$— $— $— $— $— $— $822 $— $— $822 
681-720— — — — — — 283 — — 283 
620-680— — — — — — 247 — — 247 
Below 620— — — — — — 137 — — 137 
Data not available— — — — — — 5 — (22)(17)
Total consumer credit card$— $— $— $— $— $— $1,494 $— $(22)$1,472 
Other consumer(2):
FICO scores:
   Above 720$143 $659 $557 $756 $1,096 $648 $107 $— $— $3,966 
   681-72020 119 93 122 195 114 60 — — 723 
   620-68010 66 56 74 144 84 48 — — 482 
   Below 6201 23 29 44 100 57 32 — — 286 
   Data not available56 3 2 4 9 138 — — (66)146 
Total other consumer$230 $870 $737 $1,000 $1,544 $1,041 $247 $— $(66)$5,603 
Total consumer loans$675 $2,774 $2,330 $3,223 $4,793 $13,351 $4,825 $94 $128 $32,193 
Total Loans$5,218 $16,562 $9,821 $7,480 $10,016 $20,621 $27,662 $94 $452 $97,926 
December 31, 2025
Term LoansRevolving Loans Revolving Loans Converted to Amortizing
Other (1)
Total
20252024202320222021Prior
(In millions)
Commercial and industrial:
Risk rating:
   Pass$9,993 $5,700 $2,683 $3,593 $1,866 $3,540 $19,167 $— $254 $46,796 
   Special Mention70 29 107 133 40 9 190 — — 578 
   Substandard Accrual159 30 184 137 5 13 414 — — 942 
   Non-accrual49 88 118 36 17 27 139 — — 474 
Total commercial and industrial$10,271 $5,847 $3,092 $3,899 $1,928 $3,589 $19,910 $— $254 $48,790 
Commercial real estate mortgage—owner-occupied:
Risk rating:
   Pass$756 $706 $589 $735 $662 $1,000 $112 $— $(5)$4,555 
   Special Mention4 18 7 28 29 18 1 — — 105 
   Substandard Accrual39 13 14 15 30 27 2 — — 140 
   Non-accrual1 4 2 10 12 16 — — — 45 
Total commercial real estate mortgage—owner-occupied:$800 $741 $612 $788 $733 $1,061 $115 $— $(5)$4,845 
Commercial real estate construction—owner-occupied:
Risk rating:
   Pass$75 $24 $29 $29 $23 $45 $14 $— $— $239 
   Special Mention— 7 — 7 — 2 — — — 16 
   Substandard Accrual6 — — — — — — — — 6 
   Non-accrual— 1 — — — 1 — — — 2 
Total commercial real estate construction—owner-occupied:$81 $32 $29 $36 $23 $48 $14 $— $— $263 
Total commercial$11,152 $6,620 $3,733 $4,723 $2,684 $4,698 $20,039 $— $249 $53,898 
Commercial investor real estate mortgage:
Risk rating:
   Pass$2,802 $806 $637 $960 $309 $180 $531 $— $(6)$6,219 
   Special Mention144 — 59 135 1 1 — — — 340 
   Substandard Accrual251 — 22 109 93 — 17 — — 492 
   Non-accrual— 49 — 27 — 4 41 — — 121 
Total commercial investor real estate mortgage$3,197 $855 $718 $1,231 $403 $185 $589 $— $(6)$7,172 
Commercial investor real estate construction:
Risk rating:
   Pass$321 $446 $276 $162 $— $1 $660 $— $(13)$1,853 
   Special Mention2 4 — — — — 18 — — 24 
   Substandard Accrual— — — 42 — — 15 — — 57 
   Non-accrual— — — — — — — — — — 
Total commercial investor real estate construction$323 $450 $276 $204 $— $1 $693 $— $(13)$1,934 
Total investor real estate$3,520 $1,305 $994 $1,435 $403 $186 $1,282 $— $(19)$9,106 
Residential first mortgage:
FICO scores:
   Above 720$1,270 $1,161 $1,734 $2,507 $3,690 $5,934 $— $— $— $16,296 
   681-72094 85 147 203 243 469 — — — 1,241 
   620-68044 47 74 122 149 359 — — — 795 
   Below 62013 46 104 164 163 545 — — — 1,035 
   Data not available49 26 15 13 33 92 2 — 168 398 
Total residential first mortgage$1,470 $1,365 $2,074 $3,009 $4,278 $7,399 $2 $— $168 $19,765 
December 31, 2025
Term LoansRevolving Loans Revolving Loans Converted to Amortizing
Other (1)
Total
20252024202320222021Prior
Home equity lines:
FICO scores:
   Above 720$— $— $— $— $— $— $2,443 $61 — $2,504 
   681-720— — — — — — 346 14 — 360 
   620-680— — — — — — 198 12 — 210 
   Below 620— — — — — — 117 9 — 126 
   Data not available— — — — — — — — 32 32 
Total home equity lines$— $— $— $— $— $— $3,104 $96 $32 $3,232 
Home equity loans:
FICO scores:
   Above 720$326 $254 $204 $255 $272 $488 $— $— $— $1,799 
   681-72053 46 32 39 31 57 — — — 258 
   620-68019 22 18 21 21 50 — — — 151 
   Below 6203 9 14 16 16 43 — — — 101 
   Data not available— — — — — — — — 15 15 
Total home equity loans$401 $331 $268 $331 $340 $638 $— $— $15 $2,324 
Consumer credit card:
FICO scores:
Above 720$— $— $— $— $— $— $874 $— $— $874 
681-720— — — — — — 286 — — 286 
620-680— — — — — — 246 — — 246 
Below 620— — — — — — 125 — — 125 
Data not available— — — — — — 6 — (18)(12)
Total consumer credit card$— $— $— $— $— $— $1,537 $— $(18)$1,519 
Other consumer(2):
FICO scores:
   Above 720$717 $611 $802 $1,133 $340 $346 $113 $— $— $4,062 
   681-720123 103 133 210 66 57 62 — — 754 
   620-68065 61 79 152 50 40 49 — — 496 
   Below 62016 27 46 104 33 26 31 — — 283 
   Data not available112 2 4 11 6 138 — — (75)198 
Total other consumer$1,033 $804 $1,064 $1,610 $495 $607 $255 $— $(75)$5,793 
Total consumer loans$2,904 $2,500 $3,406 $4,950 $5,113 $8,644 $4,898 $96 $122 $32,633 
Total Loans$17,576 $10,425 $8,133 $11,108 $8,200 $13,528 $26,219 $96 $352 $95,637 
________
(1)Other consists of amounts that are not accounted for at the loan level.
(2)Other consumer class includes overdrafts which are included in the current vintage year.

The following tables present gross charge-offs by vintage year for the three months ended March 31, 2026 and 2025.
March 31, 2026
Term LoansRevolving LoansTotal
20262025202420232022Prior
(In millions)
Commercial and industrial$5 $10 $15 $35 $5 $1 $17 $88 
Total commercial5 10 15 35 5 1 17 88 
Home equity lines— — — — — — 1 1 
Consumer credit card— — — — — — 18 18 
Other consumer(1)
4 10 4 5 11 7 3 44 
Total consumer4 10 4 5 11 7 22 63 
Total gross charge-offs$9 $20 $19 $40 $16 $8 $39 $151 
March 31, 2025
Term LoansRevolving LoansTotal
20252024202320222021Prior
(In millions)
Commercial and industrial$— $3 $7 $13 $3 $1 $30 $57 
Commercial real estate mortgage—owner-occupied— — — — 1 1 — 2 
Total commercial— 3 7 13 4 2 30 59 
Commercial investor real estate mortgage— 8 12 — — 2 — 22 
Total investor real estate— 8 12 — — 2 — 22 
Consumer credit card— — — — — — 17 17 
Other consumer(1)
3 11 7 13 5 5 3 47 
Total consumer3 11 7 13 5 5 20 64 
Total gross charge-offs$3 $22 $26 $26 $9 $9 $50 $145 
______
(1)Other consumer class includes overdraft gross charge-offs. The majority of overdraft gross charge-offs for the three months ended March 31, 2026 and 2025 are included in the current vintage year.
AGING AND NON-ACCRUAL ANALYSIS
The following tables include an aging analysis of DPD and loans on non-accrual status for each portfolio segment and class as of March 31, 2026 and December 31, 2025. Loans on non-accrual status with no related allowance totaled $100 million at March 31, 2026 and were comprised of commercial and investor real estate loans, and totaled $109 million at December 31, 2025 and were comprised of commercial loans. Non–accrual loans with no related allowance typically include loans where the underlying collateral is deemed sufficient to recover all remaining principal. Loans that have been fully charged-off do not appear in the tables below.
 March 31, 2026
 Accrual Loans   
 30-59 DPD60-89 DPD90+ DPDTotal
30+ DPD		Total
Accrual		Non-accrualTotal
 (In millions)
Commercial and industrial$32 $18 $5 $55 $50,353 $471 $50,824 
Commercial real estate mortgage—owner-occupied4 — 1 5 4,951 53 5,004 
Commercial real estate construction—owner-occupied— — — — 259 2 261 
Total commercial36 18 6 60 55,563 526 56,089 
Commercial investor real estate mortgage— 1 — 1 7,603 103 7,706 
Commercial investor real estate construction— — — — 1,938 — 1,938 
Total investor real estate— 1 — 1 9,541 103 9,644 
Residential first mortgage121 68 194 383 19,591 30 19,621 
Home equity lines14 8 14 36 3,185 25 3,210 
Home equity loans9 4 8 21 2,279 8 2,287 
Consumer credit card12 9 22 43 1,472 — 1,472 
Other consumer47 19 20 86 5,603 — 5,603 
Total consumer203 108 258 569 32,130 63 32,193 
$239 $127 $264 $630 $97,234 $692 $97,926 
 
 December 31, 2025
 Accrual Loans   
 30-59 DPD60-89 DPD90+ DPDTotal
30+ DPD		Total
Accrual		Non-accrualTotal
 (In millions)
Commercial and industrial$39 $16 $6 $61 $48,316 $474 $48,790 
Commercial real estate mortgage—owner-occupied4 2 — 6 4,800 45 4,845 
Commercial real estate construction—owner-occupied— — — — 261 2 263 
Total commercial43 18 6 67 53,377 521 53,898 
Commercial investor real estate mortgage— — — — 7,051 121 7,172 
Commercial investor real estate construction— — — — 1,934 — 1,934 
Total investor real estate— — — — 8,985 121 9,106 
Residential first mortgage128 82 184 394 19,740 25 19,765 
Home equity lines19 6 15 40 3,208 24 3,232 
Home equity loans11 4 8 23 2,317 7 2,324 
Consumer credit card12 10 22 44 1,519 — 1,519 
Other consumer51 24 24 99 5,793 — 5,793 
Total consumer221 126 253 600 32,577 56 32,633 
$264 $144 $259 $667 $94,939 $698 $95,637 
At March 31, 2026 and December 31, 2025, the Company had collateral-dependent commercial loans of $313 million and $337 million, respectively. At March 31, 2026 and December 31, 2025, the Company had collateral-dependent investor real estate loans of $98 million and $121 million, respectively. The collateral for commercial and investor real estate loans generally consists of all business assets including real estate, receivables and equipment. At March 31, 2026 and December 31, 2025, the Company had collateral-dependent residential mortgage and home equity loans and lines totaling $143 million and $127 million, respectively. The collateral for these loans are secured by residential real estate. Refer to Note 1 "Summary of Significant Accounting Policies" in the Annual Report on Form 10-K for the year ended December 31, 2025 for additional details for the criteria of collateral-dependent loans.
MODIFICATIONS TO BORROWERS EXPERIENCING FINANCIAL DIFFICULTY
Modifications to troubled borrowers are loans where the borrower is experiencing financial difficulty at the time of modification and are undertaken in order to improve the likelihood of repayment. Refer to Note 1 "Summary of Significant Accounting Policies" in the Annual Report on Form 10-K for the year ended December 31, 2025 for additional information.
For each portfolio segment and class, the following tables present the end of period balances of new modifications to troubled borrowers and the related percentage of the loan portfolio period-end balance by the type of modification in the three months ended March 31, 2026 and 2025.
Three Months Ended March 31, 2026
Term ExtensionTerm Extension and Interest Rate ModificationTerm Extension and Payment DeferralOtherTotal
$
%(1)
$
%(1)
$
%(1)
$
%(1)
$
%(1)
(Dollars in millions)
Commercial and industrial$7 0.01 %$— — %$19 0.04 %$— — %$26 0.05 %
Commercial real estate mortgage—owner-occupied21 0.42 %— — %— — %3 0.07 %24 0.49 %
Total commercial28 0.05 %— — %19 0.03 %3 0.01 %50 0.09 %
Residential first mortgage27 0.13 %6 0.03 %— — %— — %33 0.17 %
Home equity lines— — %1 0.04 %— — %— — %1 0.04 %
Home equity loans1 0.04 %2 0.07 %— — %— — %3 0.11 %
Total consumer28 0.09 %9 0.03 %— — %— — %37 0.12 %
Total$56 0.06 %$9 0.01 %$19 0.02 %$3 — %$87 0.09 %
Three Months Ended March 31, 2025
Term ExtensionInterest Rate ReductionPayment DeferralTerm Extension and Interest Rate ModificationTotal
$
%(1)
$
%(1)
$
%(1)
$
%(1)
$
%(1)
(Dollars in millions)
Commercial and industrial$57 0.12 %$3 0.01 %$— — %$— — %$60 0.12 %
Commercial real estate mortgage—owner-occupied2 0.03 %— — %— — %— — %2 0.03 %
Total commercial59 0.11 %3 0.01 %— — %— — %62 0.12 %
Commercial investor real estate mortgage24 0.37 %— — %— — %— — %24 0.37 %
Total investor real estate24 0.27 %— — %— — %— — %24 0.27 %
Residential first mortgage58 0.29 %— — %1 — %6 0.03 %65 0.32 %
Home equity lines— 0.02 %— — %— — %2 0.06 %2 0.08 %
Home equity loans1 0.03 %— — %— — %1 0.07 %2 0.10 %
Total consumer59 0.18 %— — %1 — %9 0.03 %69 0.21 %
Total$142 0.15 %$3 — %$1 — %$9 0.01 %$155 0.16 %
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(1) Amounts calculated based upon whole dollar values.
The end of period balance of unfunded commitments related to modifications to troubled borrowers was immaterial at March 31, 2026 and totaled $124 million at December 31, 2025.
The following tables present the financial impact of modifications to troubled borrowers during the three months ended March 31, 2026 and 2025 by class of financing receivable and the type of modification. The tables include new modifications to troubled borrowers, as well as renewals of existing modifications to troubled borrowers.
Three Months Ended March 31, 2026 (1)
Term ExtensionTerm Extension and Interest Rate Modification
Term Extension and Payment Deferral
Weighted-Average Term Extension Weighted-Average Term Extension Weighted-Average Reduction in Interest RateWeighted-Average Term ExtensionWeighted-Average Payment Deferral
(In years, except for percentage data)
Commercial and industrial0.42— — 24
Commercial real estate mortgage—owner-occupied0.75— — — — 
Residential first mortgage741 %— — 
Home equity lines— 232 %— — 
Home equity loans8183 %— — 
____
(1) During the three months ended March 31, 2026, the Company had an other modification in commercial real estate mortgage which had an immaterial financial effect.
Three Months Ended March 31, 2025
Interest Rate Reduction
Term ExtensionPayment Deferral
Term Extension and Interest Rate Reduction
Weighted-Average Term ExtensionWeighted-Average Term Extension Weighted-Average Payment Deferral Weighted-Average Term Extension Weighted-Average Reduction in Interest Rate
(In years, except for percentage data)
Commercial and industrialless than 1%0.42— — — 
Commercial real estate mortgage—owner-occupied— 1.92— — — 
Commercial investor real estate mortgage— 0.67— — — 
Residential first mortgage— 70.672less than 1%
Home equity lines— 30— 232 %
Home equity loans— 13— 212 %
The following tables include the end of period balances of aging and non-accrual performance for modifications to troubled borrowers modified in the previous twelve-month period by portfolio segment and class as of March 31, 2026 and 2025.
March 31, 2026
Current30-89 DPD90+ DPD
Non-Performing Loans
Total
(In millions)
Commercial and industrial$39 $— $— $93 $132 
Commercial real estate mortgage—owner-occupied22 — — 3 25 
Total commercial61 — — 96 157 
Commercial investor real estate mortgage28 — — 26 54 
Total investor real estate28 — — 26 54 
Residential first mortgage126 30 25 7 188 
Home equity lines4 — — 1 5 
Home equity loans8 — — 2 10 
Total consumer138 30 25 10 203 
$227 $30 $25 $132 $414 
March 31, 2025
Current30-89 DPD90+ DPDNon-Performing LoansTotal
(In millions)
Commercial and industrial$72 $3 $— $18 $93 
Commercial real estate mortgage—owner-occupied2 — — 1 3 
Total commercial74 3 — 19 96 
Commercial investor real estate mortgage64 — — 54 118 
Total investor real estate64 — — 54 118 
Residential first mortgage138 25 15 7 185 
Home equity lines10 — — 1 11 
Home equity loans8 1 — 2 11 
Total consumer156 26 15 10 207 
$294 $29 $15 $83 $421 
For modifications to troubled borrowers, a subsequent payment default is defined in terms of delinquency, when a principal or interest payment is 90 days past due or classified as non-accrual status during the reporting period. Subsequent defaults of the loans restructured as a modification to a troubled borrower during the three months ended March 31, 2026 and March 31, 2025 that were restructured as modifications to troubled borrowers during the previous twelve months had period-end balances of $38 million and $24 million, respectively.