| Schedule of ACL on Unfunded Loan Commitments |
The following table summarizes the change in the ACL on loans and leases by portfolio segment: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Three months ended June 30, | | 2026 | | 2025 | | (In thousands) | Commercial Portfolio | Consumer Portfolio | Total | | Commercial Portfolio | Consumer Portfolio | Total | | ACL on loans and leases: | | | | | | | | | Balance, beginning of period | $ | 641,963 | | $ | 91,471 | | $ | 733,434 | | | $ | 649,450 | | $ | 63,871 | | $ | 713,321 | | | | | | | | | | | | | | | | | | | Provision (benefit) | 34,207 | | (1,097) | | 33,110 | | | 45,635 | | (509) | | 45,126 | | | Charge-offs | (40,896) | | (4,098) | | (44,994) | | | (39,792) | | (1,446) | | (41,238) | | | Recoveries | 1,055 | | 1,241 | | 2,296 | | | 3,250 | | 1,587 | | 4,837 | | | Balance, end of period | $ | 636,329 | | $ | 87,517 | | $ | 723,846 | | | $ | 658,543 | | $ | 63,503 | | $ | 722,046 | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Six months ended June 30, | | 2026 | | 2025 | | (In thousands) | Commercial Portfolio | Consumer Portfolio | Total | | Commercial Portfolio | Consumer Portfolio | Total | | ACL on loans and leases: | | | | | | | | | Balance, beginning of period | $ | 631,377 | | $ | 88,034 | | $ | 719,411 | | | $ | 635,871 | | $ | 53,695 | | $ | 689,566 | | | | | | | | | | | | | | | | | | | Provision | 84,001 | | 4,348 | | 88,349 | | | 113,838 | | 10,000 | | 123,838 | | | Charge-offs | (81,121) | | (8,095) | | (89,216) | | | (95,358) | | (2,498) | | (97,856) | | | Recoveries | 2,072 | | 3,230 | | 5,302 | | | 4,192 | | 2,306 | | 6,498 | | | Balance, end of period | $ | 636,329 | | $ | 87,517 | | $ | 723,846 | | | $ | 658,543 | | $ | 63,503 | | $ | 722,046 | | | Individually evaluated for credit losses | 90,020 | | 799 | | 90,819 | | | 95,323 | | 811 | | 96,134 | | | Collectively evaluated for credit losses | $ | 546,309 | | $ | 86,718 | | $ | 633,027 | | | $ | 563,220 | | $ | 62,692 | | $ | 625,912 | |
The following table summarizes the activity in the ACL on unfunded loan commitments, which is recorded under the CECL methodology and provides for the unused portion of commitments to lend that are not unconditionally cancellable by the Company: | | | | | | | | | | | | | | | | | | | | | | | | | Three months ended June 30, | | Six months ended June 30, | | (In thousands) | 2026 | | 2025 | | 2026 | | 2025 | | Balance, beginning of period | $ | 22,879 | | | $ | 21,443 | | | $ | 24,117 | | | $ | 22,593 | | | (Benefit) provision for credit losses | (1,584) | | | 1,381 | | | (2,822) | | | 231 | | | Balance, end of period | $ | 21,295 | | | $ | 22,824 | | | $ | 21,295 | | | $ | 22,824 | |
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