Allowance for Credit Losses

Schedule of activity in the Liability for Credit Losses for Off-Balance-Sheet Financial Instruments

Three Months Ended June 30, 2026

Commercial Lending

Residential Lending

Commercial

Home

and

Real

Lease

Residential

Equity

(dollars in thousands)

Industrial

Estate

Construction

Financing

Mortgage

Line

Consumer

Total

Reserve for unfunded commitments:

Balance at beginning of period

$

7,299

$

1,120

$

10,022

$

—

$

37

$

16,431

$

38

$

34,947

Provision (benefit)

591

244

2,033

—

(24)

(102)

(17)

2,725

Balance at end of period

$

7,890

$

1,364

$

12,055

$

—

$

13

$

16,329

$

21

$

37,672

Six Months Ended June 30, 2026

Commercial Lending

Residential Lending

Commercial

Home

and

Real

Lease

Residential

Equity

(dollars in thousands)

Industrial

Estate

Construction

Financing

Mortgage

Line

Consumer

Total

Reserve for unfunded commitments:

Balance at beginning of period

$

7,859

$

1,220

$

9,772

$

—

$

44

$

16,771

$

31

$

35,697

Provision (benefit)

31

144

2,283

—

(31)

(442)

(10)

1,975

Balance at end of period

$

7,890

$

1,364

$

12,055

$

—

$

13

$

16,329

$

21

$

37,672


	Three Months Ended June 30, 2025
	Commercial Lending								Residential Lending
	Commercial		Commercial								Home
	and		Real				Lease		Residential		Equity
(dollars in thousands)	Industrial		Estate		Construction		Financing		Mortgage		Line		Consumer		Total
Reserve for unfunded commitments:
Balance at beginning of period	$	8,826	$	1,135	$	7,579	$	—	$	87	$	15,681	$	39	$	33,347
Provision (benefit)		(334)		(132)		(176)		—		(66)		724		(16)		—
Balance at end of period	$	8,492	$	1,003	$	7,403	$	—	$	21	$	16,405	$	23	$	33,347


	Six Months Ended June 30, 2025
	Commercial Lending								Residential Lending
	Commercial		Commercial								Home
	and		Real				Lease		Residential		Equity
(dollars in thousands)	Industrial		Estate		Construction		Financing		Mortgage		Line		Consumer		Total
Reserve for unfunded commitments:
Balance at beginning of period	$	8,112	$	1,003	$	7,818	$	—	$	3	$	15,893	$	18	$	32,847
Provision (benefit)		380		—		(415)		—		18		512		5		500
Balance at end of period	$	8,492	$	1,003	$	7,403	$	—	$	21	$	16,405	$	23	$	33,347

Schedule of aging analyses of past due loans and leases

June 30, 2026

Past Due

Loans and

Greater

Leases Past

Than or

Due 90 Days

30-59

60-89

Equal to

or More and

Days

90 Days

Total

Total Loans

Still Accruing

(dollars in thousands)

Past Due

Current

and Leases

Interest

Commercial and industrial

$

8,313

$

1,070

$

3,393

$

12,776

$

2,327,106

$

2,339,882

$

249

Commercial real estate

752

2,941

628

4,321

4,778,809

4,783,130

—

Construction

160

1,420

904

2,484

729,282

731,766

—

Lease financing

—

565

449,892

450,457

—

Residential mortgage

14,804

4,890

12,119

31,813

4,012,394

4,044,207

771

Home equity line

3,565

2,444

5,839

11,848

1,169,548

1,181,396

—

Consumer

12,476

5,690

3,073

21,239

1,025,222

1,046,461

3,073

Total

$

40,070

$

18,455

$

26,521

$

85,046

$

14,492,253

$

14,577,299

$

4,093


	December 31, 2025
	Past Due												Loans and
					Greater								Leases Past
					Than or								Due 90 Days
	30-59		60-89		Equal to								or More and
	Days		Days		90 Days		Total				Total Loans		Still Accruing
(dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current		and Leases		Interest
Commercial and industrial	$	3,009	$	7,756	$	685	$	11,450	$	2,159,883	$	2,171,333	$	318
Commercial real estate		798		18		436		1,252		4,589,074		4,590,326		—
Construction		2,420		—		1,065		3,485		804,790		808,275		—
Lease financing		135		30		570		735		441,195		441,930		—
Residential mortgage		18,387		6,522		8,133		33,042		4,063,258		4,096,300		55
Home equity line		5,928		1,642		4,878		12,448		1,166,079		1,178,527		—
Consumer		13,935		3,995		2,984		20,914		1,004,924		1,025,838		2,984
Total	$	44,612	$	19,963	$	18,751	$	83,326	$	14,229,203	$	14,312,529	$	3,357

Schedule of loans modified to borrowers experiencing financial difficulty

Interest Rate Reduction

Three Months Ended

Six Months Ended

June 30, 2026

Amortized

% of Total Class

Amortized

% of Total Class

(dollars in thousands)

Cost Basis⁽¹⁾

of Financing Receivable

Cost Basis⁽¹⁾

of Financing Receivable

Consumer

$

414

0.04

%

$

771

0.07

%

Total

$

414

n/m

%

$

771

n/m

%

n/m – Represents less than 0.01% of total class of financing receivable.

(1)	The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.


	Interest Rate Reduction
		Three Months Ended				Six Months Ended
		June 30, 2025				June 30, 2025
		Amortized	% of Total Class			Amortized	% of Total Class
(dollars in thousands)		Cost Basis⁽¹⁾	of Financing Receivable			Cost Basis⁽¹⁾	of Financing Receivable
Consumer	$	544	0.05	%	$	1,052	0.10	%
Total	$	544	n/m	%	$	1,052	n/m	%

n/m – Represents less than 0.01% of total class of financing receivable.

(1)	The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.

Term Extension

Three Months Ended

Six Months Ended

June 30, 2026

Amortized

% of Total Class

Amortized

% of Total Class

(dollars in thousands)

Cost Basis⁽¹⁾

of Financing Receivable

Cost Basis⁽¹⁾

of Financing Receivable

Commercial and industrial

$

74

n/m

%

$

238

0.01

%

Residential mortgage

—

253

n/m

Consumer

71

n/m

141

0.01

Total

$

145

n/m

%

$

632

n/m

%

n/m – Represents less than 0.01% of total class of financing receivable.

(1)	The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.


	Term Extension
		Three Months Ended				Six Months Ended
		June 30, 2025				June 30, 2025
		Amortized	% of Total Class			Amortized	% of Total Class
(dollars in thousands)		Cost Basis⁽¹⁾	of Financing Receivable			Cost Basis⁽¹⁾	of Financing Receivable
Commercial and industrial	$	731	0.03	%	$	9,620	0.41	%
Commercial real estate		940	0.02			1,138	0.03
Construction		904	0.10			904	0.10
Residential mortgage		714	0.02			714	0.02
Consumer		500	0.05			579	0.06
Total	$	3,789	0.03	%	$	12,955	0.09	%

(1)	The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.


	Other-Than-Insignificant Payment Delay
		Three Months Ended				Six Months Ended
		June 30, 2025				June 30, 2025
		Amortized	% of Total Class			Amortized	% of Total Class
(dollars in thousands)		Cost Basis⁽¹⁾	of Financing Receivable			Cost Basis⁽¹⁾	of Financing Receivable
Commercial real estate	$	—	—	%	$	1,005	0.02	%
Residential mortgage		1,184	0.03			1,184	0.03
Total	$	1,184	n/m	%	$	2,189	0.02	%

n/m – Represents less than 0.01% of total class of financing receivable.

(1)	The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.

Schedule of financing receivables to borrowers experiencing financial difficulty modified within the previous 12 months and for which there was a payment default

Amortized Cost Basis of Modified Loans That Subsequently Defaulted⁽¹⁾

Three Months Ended June 30, 2026

Six Months Ended June 30, 2026

(dollars in thousands)

Interest Rate Reduction

Term Extension

Other-Than-Insignificant Payment Delay

Interest Rate Reduction

Term Extension

Other-Than-Insignificant Payment Delay

Commercial and industrial

$

—

$

570

$

—

$

—

$

594

$

—

Residential mortgage

—

253

—

Consumer

238

—

347

—

Total

$

238

$

570

$

—

$

347

$

847

$

—

(1)	The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.


	Amortized Cost Basis of Modified Loans That Subsequently Defaulted⁽¹⁾
	Three Months Ended June 30, 2025						Six Months Ended June 30, 2025
(dollars in thousands)	Interest Rate Reduction		Term Extension			Other-Than-Insignificant Payment Delay	Interest Rate Reduction		Term Extension		Other-Than-Insignificant Payment Delay
Commercial and industrial	$	—	$	57	$	—	$	—	$	128	$	—
Construction		—		904		—		—		904		—
Residential mortgage		—		299		549		—		608		549
Home equity line		—		—		—		—		—		—
Consumer		410		4		—		501		20		—
Total	$	410	$	1,264	$	549	$	501	$	1,660	$	549

(1)	The amortized cost basis reflects all partial paydowns and charge-offs since the modification date and do not include loans modified to borrowers experiencing financial difficulty that have been fully paid off, charged off, or foreclosed upon by the end of the period.