v3.26.1
CREDIT QUALITY AND THE ALLOWANCE FOR CREDIT LOSSES (Tables)
 6 Months Ended
Jun. 30, 2026
Receivables [Abstract]  
Schedule of changes in the allowance for credit losses
The following table presents a summary of changes in the ACL for the three and six months ended June 30, 2026:
Three Months Ended June 30, 2026Six Months Ended June 30, 2026
(dollars in millions)CommercialRetailTotalCommercialRetailTotal
Allowance for loan and lease losses, beginning of period$1,115 $843 $1,958 $1,058 $885 $1,943 
Charge-offs(76)(90)(166)(167)(182)(349)
Recoveries5 26 31 23 53 76 
Net charge-offs(71)(64)(135)(144)(129)(273)
Provision expense (benefit) for loans and leases72 74 146 202 97 299 
Allowance for loan and lease losses, end of period1,116 853 1,969 1,116 853 1,969 
Allowance for unfunded lending commitments, beginning of period189 38 227 194 46 240 
Provision expense (benefit) for unfunded lending commitments(12)— (12)(17)(8)(25)
Allowance for unfunded lending commitments, end of period177 38 215 177 38 215 
Total allowance for credit losses, end of period$1,293 $891 $2,184 $1,293 $891 $2,184 
The following table presents a summary of changes in the ACL for the three and six months ended June 30, 2025:
Three Months Ended June 30, 2025Six Months Ended June 30, 2025
(dollars in millions)CommercialRetailTotalCommercialRetailTotal
Allowance for loan and lease losses, beginning of period$1,148 $866 $2,014 $1,140 $921 $2,061 
Charge-offs
(93)(108)(201)(178)(257)(435)
Recoveries1 33 34 5 63 68 
Net charge-offs(92)(75)(167)(173)(194)(367)
Provision expense (benefit) for loans and leases
50 111 161 139 175 314 
Allowance for loan and lease losses, end of period1,106 902 2,008 1,106 902 2,008 
Allowance for unfunded lending commitments, beginning of period164 34 198 155 43 198 
Provision expense (benefit) for unfunded lending commitments(1)4 3 8 (5)3 
Allowance for unfunded lending commitments, end of period163 38 201 163 38 201 
Total allowance for credit losses, end of period$1,269 $940 $2,209 $1,269 $940 $2,209 
The following tables present gross charge-offs by vintage date for the Company’s loan and lease portfolios:
Six Months Ended June 30, 2026
Term Loans and Leases by Origination Year
Revolving Loans
(dollars in millions)20262025202420232022Prior to 2022Within the Revolving PeriodConverted to TermTotal
Commercial and industrial
$— $2 $8 $23 $4 $2 $62 $— $101 
Commercial real estate
— — — 12 10 44 — — 66 
Total commercial
— 2 8 35 14 46 62 — 167 
Residential mortgages— — — — — 2 — — 2 
Home equity— — — — — 2 9 — 11 
Automobile— — — 2 8 7 — — 17 
Education— 3 3 6 8 28 — — 48 
Other retail13 11 4 4 3 4 65 — 104 
Total retail13 14 7 12 19 43 74 — 182 
Total loans and leases$13 $16 $15 $47 $33 $89 $136 $— $349 
Six Months Ended June 30, 2025
Term Loans and Leases by Origination Year
Revolving Loans
(dollars in millions)20252024202320222021Prior to 2021Within the Revolving PeriodConverted to TermTotal
Commercial and industrial
$— $— $1 $24 $22 $4 $22 $— $73 
Commercial real estate
— — 3 21 5 76 — — 105 
Total commercial
— — 4 45 27 80 22 — 178 
Residential mortgages— — — — — 1 — — 1 
Home equity— — — 1 — 1 7 — 9 
Automobile— — 3 14 12 5 — — 34 
Education— 2 4 10 18 48 — — 82 
Other retail14 25 14 7 4 5 62 — 131 
Total retail14 27 21 32 34 60 69 — 257 
Total loans and leases$14 $27 $25 $77 $61 $140 $91 $— $435 
Schedule of classes of loans and leases, amortized cost basis by credit quality indicator
The following table presents the amortized cost basis of commercial loans and leases by vintage date and internal risk rating as of June 30, 2026:
Term Loans and Leases by Origination Year
Revolving Loans
(dollars in millions)20262025202420232022Prior to 2022Within the Revolving PeriodConverted to TermTotal
Commercial and industrial
Pass$4,611 $7,840 $3,260 $965 $1,427 $2,409 $30,602 $175 $51,289 
Special Mention— 45 14 24 8 76 539 4 710 
Substandard Accrual
— 44 28 106 70 285 669 22 1,224 
Nonaccrual
4 1 3 9 41 107 70 9 244 
Total commercial and industrial4,615 7,930 3,305 1,104 1,546 2,877 31,880 210 53,467 
Commercial real estate
Pass3,394 3,699 1,482 449 2,796 7,303 1,614 4 20,741 
Special Mention35 58 2 7 438 353 71 — 964 
Substandard Accrual
— 2 57 21 461 967 30 — 1,538 
Nonaccrual
— — — 4 183 385 1 1 574 
Total commercial real estate3,429 3,759 1,541 481 3,878 9,008 1,716 5 23,817 
Total commercial
Pass8,005 11,539 4,742 1,414 4,223 9,712 32,216 179 72,030 
Special Mention35 103 16 31 446 429 610 4 1,674 
Substandard Accrual
— 46 85 127 531 1,252 699 22 2,762 
Nonaccrual
4 1 3 13 224 492 71 10 818 
Total commercial$8,044 $11,689 $4,846 $1,585 $5,424 $11,885 $33,596 $215 $77,284 
The following table presents the amortized cost basis of commercial loans and leases by vintage date and internal risk rating as of December 31, 2025:
Term Loans and Leases by Origination Year
Revolving Loans
(dollars in millions)20252024202320222021Prior to 2021Within the Revolving PeriodConverted to TermTotal
Commercial and industrial
Pass$8,889 $3,985 $1,196 $2,415 $1,174 $1,966 $26,951 $77 $46,653 
Special Mention13 5 42 141 174 124 359 4 862 
Substandard Accrual
13 16 104 132 145 258 752 20 1,440 
Nonaccrual
— 4 15 57 17 72 107 5 277 
Total commercial and industrial8,915 4,010 1,357 2,745 1,510 2,420 28,169 106 49,232 
Commercial real estate
Pass4,769 1,827 722 3,712 3,680 4,805 1,346 4 20,865 
Special Mention— 2 7 729 294 166 73 — 1,271 
Substandard Accrual
— — 34 577 167 915 27 106 1,826 
Nonaccrual
— — 3 127 41 442 1 4 618 
Total commercial real estate4,769 1,829 766 5,145 4,182 6,328 1,447 114 24,580 
Total commercial
Pass13,658 5,812 1,918 6,127 4,854 6,771 28,297 81 67,518 
Special Mention13 7 49 870 468 290 432 4 2,133 
Substandard Accrual
13 16 138 709 312 1,173 779 126 3,266 
Nonaccrual
— 4 18 184 58 514 108 9 895 
Total commercial$13,684 $5,839 $2,123 $7,890 $5,692 $8,748 $29,616 $220 $73,812 
The following table presents the amortized cost basis of retail loans by vintage date and current FICO score as of June 30, 2026:
Term Loans by Origination YearRevolving Loans
(dollars in millions)20262025202420232022Prior to 2022Within the Revolving PeriodConverted to TermTotal
Residential mortgages
800+$1,131 $2,647 $1,544 $1,214 $3,274 $10,768 $— $— $20,578 
740-7991,580 1,768 837 588 1,266 4,506 — — 10,545 
680-739331 467 237 226 460 1,655 — — 3,376 
620-67948 49 50 63 132 597 — — 939 
<620— 13 16 101 110 684 — — 924 
No FICO available(1)
— — — — 2 10 — — 12 
Total residential mortgages3,090 4,944 2,684 2,192 5,244 18,220 — — 36,374 
Home equity
800+— 2 4 5 7 66 7,329 188 7,601 
740-799— 2 4 3 4 44 6,504 216 6,777 
680-739— 1 3 3 3 28 3,615 197 3,850 
620-679— — — 1 2 13 935 160 1,111 
<620— — — 3 1 14 596 317 931 
No FICO available(1)
— 2 — — 1 2 1 — 6 
Total home equity— 7 11 15 18 167 18,980 1,078 20,276 
Automobile
800+— — — 36 157 215 — — 408 
740-799— — — 43 160 182 — — 385 
680-739— — — 38 123 124 — — 285 
620-679— — — 24 77 75 — — 176 
<620— — — 30 100 98 — — 228 
No FICO available(1)
— — — — — — — — — 
Total automobile— — — 171 617 694 — — 1,482 
Education
800+94 362 251 280 487 2,572 — — 4,046 
740-799136 425 245 240 340 1,160 — — 2,546 
680-73954 165 110 106 141 441 — — 1,017 
620-6795 29 30 32 42 149 — — 287 
<6201 8 10 12 19 73 — — 123 
No FICO available(1)
— — — — — 25 — — 25 
Total education290 989 646 670 1,029 4,420 — — 8,044 
Other retail
800+15 90 33 25 31 15 518 — 727 
740-79920 84 45 31 31 24 817 — 1,052 
680-73917 56 33 25 30 26 737 — 924 
620-67913 31 16 14 23 16 264 — 377 
<6204 14 12 11 30 17 168 — 256 
No FICO available(1)
13 1 — — — 1 680 — 695 
Total other retail82 276 139 106 145 99 3,184 — 4,031 
Total retail
800+1,240 3,101 1,832 1,560 3,956 13,636 7,847 188 33,360 
740-7991,736 2,279 1,131 905 1,801 5,916 7,321 216 21,305 
680-739402 689 383 398 757 2,274 4,352 197 9,452 
620-67966 109 96 134 276 850 1,199 160 2,890 
<6205 35 38 157 260 886 764 317 2,462 
No FICO available(1)
13 3 — — 3 38 681 — 738 
Total retail$3,462 $6,216 $3,480 $3,154 $7,053 $23,600 $22,164 $1,078 $70,207 
(1) Represents loans for which an updated FICO score was unavailable (e.g., due to recent profile changes).
The following table presents the amortized cost basis of retail loans by vintage date and current FICO score as of December 31, 2025:
Term Loans by Origination YearRevolving Loans
(dollars in millions)20252024202320222021Prior to 2021Within the Revolving PeriodConverted to TermTotal
Residential mortgages
800+$2,075 $1,664 $1,290 $3,276 $4,919 $6,099 $— $— $19,323 
740-7992,377 960 656 1,375 2,004 2,759 — — 10,131 
680-739621 324 239 483 646 1,136 — — 3,449 
620-67974 74 80 141 169 491 — — 1,029 
<6206 18 135 130 184 605 — — 1,078 
No FICO available(1)
— — — 3 1 10 — — 14 
Total residential mortgages5,153 3,040 2,400 5,408 7,923 11,100 — — 35,024 
Home equity
800+— 2 3 5 6 66 6,686 193 6,961 
740-799— 4 3 4 3 49 6,148 217 6,428 
680-739— 3 3 4 3 36 3,453 193 3,695 
620-679— — 2 2 2 16 900 162 1,084 
<620— — 4 2 2 14 554 321 897 
No FICO available(1)
— 1 — — — 2 1 — 4 
Total home equity— 10 15 17 16 183 17,742 1,086 19,069 
Automobile
800+— — 47 224 316 63 — — 650 
740-799— — 58 233 266 61 — — 618 
680-739— — 53 180 175 41 — — 449 
620-679— — 30 107 98 25 — — 260 
<620— — 39 133 127 34 — — 333 
No FICO available(1)
— — — — — — — — — 
Total automobile— — 227 877 982 224 — — 2,310 
Education
800+287 271 311 517 1,002 1,817 — — 4,205 
740-799393 268 268 385 459 886 — — 2,659 
680-739160 125 120 161 160 335 — — 1,061 
620-67923 40 42 48 46 119 — — 318 
<6205 13 17 25 23 61 — — 144 
No FICO available(1)
2 — — — — 27 — — 29 
Total education870 717 758 1,136 1,690 3,245 — — 8,416 
Other retail
800+127 60 31 31 9 9 508 — 775 
740-799132 82 43 33 9 19 793 — 1,111 
680-73993 62 36 30 8 20 733 1 983 
620-67954 30 20 22 6 11 271 — 414 
<62016 21 17 29 8 10 190 — 291 
No FICO available(1)
4 — — — — 2 481 — 487 
Total other retail426 255 147 145 40 71 2,976 1 4,061 
Total retail
800+2,489 1,997 1,682 4,053 6,252 8,054 7,194 193 31,914 
740-7992,902 1,314 1,028 2,030 2,741 3,774 6,941 217 20,947 
680-739874 514 451 858 992 1,568 4,186 194 9,637 
620-679151 144 174 320 321 662 1,171 162 3,105 
<62027 52 212 319 344 724 744 321 2,743 
No FICO available(1)
6 1 — 3 1 41 482 — 534 
Total retail$6,449 $4,022 $3,547 $7,583 $10,651 $14,823 $20,718 $1,087 $68,880 
(1) Represents loans for which an updated FICO score was unavailable (e.g., due to recent profile changes).
Schedule of nonaccrual loans and leases and loans accruing and 90 days or more past due
The following tables present an aging analysis of accruing and nonaccrual loans and leases:
June 30, 2026
Days Past Due and Accruing
(dollars in millions)Current30-5960-89 90+Nonaccrual TotalNonaccrual with no related ACL
Commercial and industrial$53,190 $21 $9 $3 $244 $53,467 $24 
Commercial real estate23,179 4 54 6 574 23,817 44 
Total commercial76,369 25 63 9 818 77,284 68 
Residential mortgages
35,873 71 38 172 220 36,374 128 
Home equity19,841 91 28 — 316 20,276 205 
Automobile1,405 41 15 — 21 1,482 3 
Education7,973 31 17 2 21 8,044 2 
Other retail3,950 25 17 — 39 4,031 — 
Total retail69,042 259 115 174 617 70,207 338 
Total$145,411 $284 $178 $183 $1,435 $147,491 $406 
Guaranteed residential mortgages(1)
$725 $28 $18 $172 $— $943 $— 
December 31, 2025
Days Past Due and Accruing
(dollars in millions)Current30-5960-8990+Nonaccrual TotalNonaccrual with no related ACL
Commercial and industrial$48,873 $63 $14 $5 $277 $49,232 $34 
Commercial real estate23,700 184 58 20 618 24,580 85 
Total commercial72,573 247 72 25 895 73,812 119 
Residential mortgages
34,547 93 47 141 196 35,024 155 
Home equity18,626 95 28 1 319 19,069 215 
Automobile2,203 59 20 — 28 2,310 4 
Education8,342 36 16 2 20 8,416 2 
Other retail3,957 35 23 — 46 4,061 1 
Total retail67,675 318 134 144 609 68,880 377 
Total$140,248 $565 $206 $169 $1,504 $142,692 $496 
Guaranteed residential mortgages(1)
$743 $53 $27 $141 $— $964 $— 
(1) Guaranteed residential mortgages represent loans fully or partially guaranteed or insured by the FHA, VA, and USDA, and are included in the amounts presented for Residential mortgages.
Troubled debt restructurings on financing receivables
The following tables present the period-end amortized cost of loans to borrowers experiencing financial difficulty that were modified during the three and six months ended June 30, 2026 and 2025, disaggregated by class of financing receivable and modification type. The modification type reflects the cumulative effect of all FDMs received during the indicated period.
Three Months Ended June 30, 2026
(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionInterest Rate Reduction and Payment DelayTerm Extension and Payment DelayInterest Rate Reduction, Term Extension, and Payment DelayTotal
Total as a % of Loan Class(1)
Commercial and industrial$1 $115 $— $1 $1 $1 $— $119 0.22 %
Commercial real estate— 357 20 — — 34 48 459 1.93 
Total commercial1 472 20 1 1 35 48 578 0.75 
Residential mortgages— 8 41 2 — 14 10 75 0.21 
Home equity1 — 6 — 3 1 1 12 0.06 
Education3 — — — — — — 3 0.04 
Other retail6 — — — — — — 6 0.15 
Total retail10 8 47 2 3 15 11 96 0.14 
Total
$11 $480 $67 $3 $4 $50 $59 $674 0.46 %
Three Months Ended June 30, 2025
(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionTerm Extension and Payment DelayInterest Rate Reduction, Term Extension, and Payment DelayTotal
Total as a % of Loan Class(1)
Commercial and industrial$— $136 $— $3 $1 $4 $144 0.32 %
Commercial real estate— 283 49 29 43 — 404 1.54 
Total commercial— 419 49 32 44 4 548 0.76 
Residential mortgages1 13 5 1 2 1 23 0.07 
Home equity2 — 4 2 — — 8 0.05 
Education3 — — — — — 3 0.04 
Other retail5 — — — — — 5 0.12 
Total retail11 13 9 3 2 1 39 0.06 
Total
$11 $432 $58 $35 $46 $5 $587 0.42 %
Six Months Ended June 30, 2026
(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionInterest Rate Reduction and Payment DelayTerm Extension and Payment Delay
Interest Rate Reduction, Term Extension, and Payment Delay
Total
Total as a % of Loan Class(1)
Commercial and industrial$3 $176 $— $1 $1 $20 $— $201 0.38 %
Commercial real estate— 399 20 — — 56 48 523 2.20 
Total commercial3 575 20 1 1 76 48 724 0.94 
Residential mortgages— 19 44 5 1 14 10 93 0.26 
Home equity1 1 8 4 3 — 1 18 0.09 
Education5 — — — — — — 5 0.06 
Other retail11 — — — — — — 11 0.27 
Total retail17 20 52 9 4 14 11 127 0.18 
Total
$20 $595 $72 $10 $5 $90 $59 $851 0.58 %
Six Months Ended June 30, 2025
(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionTerm Extension and Payment Delay
Interest Rate Reduction, Term Extension, and Payment Delay
Total
Total as a % of Loan Class(1)
Commercial and industrial$12 $218 $2 $3 $1 $4 $240 0.53 %
Commercial real estate28 409 81 29 65 — 612 2.33 
Total commercial40 627 83 32 66 4 852 1.19 
Residential mortgages2 27 8 5 2 1 45 0.13 
Home equity2 — 5 3 — — 10 0.06 
Education5 — — — — — 5 0.06 
Other retail9 — — — — — 9 0.22 
Total retail18 27 13 8 2 1 69 0.10 
Total
$58 $654 $96 $40 $68 $5 $921 0.66 %
(1) Represents the total amortized cost as of period-end divided by the period-end amortized cost of the corresponding loan class. Accrued interest receivable is excluded from amortized cost and is immaterial.
The following tables present the financial effect of loans to borrowers experiencing financial difficulty that were modified during the three and six months ended June 30, 2026 and 2025, disaggregated by class of financing receivable:
Three Months Ended June 30, 2026
(dollars in millions)
Weighted-Average Interest Rate Reduction(1)
Weighted-Average Term Extension (in Months)(1)
Weighted-Average Payment Deferral(1)
Amount of Principal Forgiven(2)
Commercial and industrial2.84 %15$— $— 
Commercial real estate0.84 82 — 
Residential mortgages0.60 113— — 
Home equity3.40 183— — 
Education4.94 — — — 
Other retail18.78 — — 4 
Three Months Ended June 30, 2025
(dollars in millions)
Weighted-Average Interest Rate Reduction(1)
Weighted-Average Term Extension (in Months)(1)
Weighted-Average Payment Deferral(1)
Amount of Principal Forgiven(2)
Commercial and industrial2.71 %19$— $— 
Commercial real estate0.90 81 — 
Residential mortgages1.09 100— — 
Home equity3.40 122— — 
Education3.97 — — — 
Other retail19.73 — — 4 
Six Months Ended June 30, 2026
(dollars in millions)
Weighted-Average Interest Rate Reduction(1)
Weighted-Average Term Extension (in Months)(1)
Weighted-Average Payment Deferral(1)
Amount of Principal Forgiven(2)
Commercial and industrial2.69 %18$2 $— 
Commercial real estate0.84 102 — 
Residential mortgages0.65 113— — 
Home equity3.16 186— — 
Education4.70 — — — 
Other retail19.04 — — 8 
Six Months Ended June 30, 2025
(dollars in millions)
Weighted-Average Interest Rate Reduction(1)
Weighted-Average Term Extension (in Months)(1)
Weighted-Average Payment Deferral(1)
Amount of Principal Forgiven(2)
Commercial and industrial1.56 %17$— $— 
Commercial real estate0.83 92 — 
Residential mortgages1.02 107— — 
Home equity3.81 98— — 
Education4.38 — — — 
Other retail19.92 — — 6 
(1) Weighted based on period-end amortized cost.
(2) Amounts are recorded as charge-offs.
The following tables present an aging analysis of the period-end amortized cost of loans to borrowers experiencing financial difficulty that were modified during the twelve-month periods ended June 30, 2026 and 2025, disaggregated by class of financing receivable. A loan in a forbearance or repayment plan is reported as past due according to its contractual terms until contractually modified. Subsequent to modification, it is reported as past due based on its restructured terms.
June 30, 2026
Days Past Due and Accruing
(dollars in millions)Current30-5960-89 90+Nonaccrual Total
Commercial and industrial$318 $1 $1 $— $57 $377 
Commercial real estate759 — 23 — 192 974 
Total commercial1,077 1 24 — 249 1,351 
Residential mortgages68 7 5 38 33 151 
Home equity11 — — — 27 38 
Education9 — — — 2 11 
Other retail15 1 1 — 2 19 
Total retail103 8 6 38 64 219 
Total$1,180 $9 $30 $38 $313 $1,570 
June 30, 2025
Days Past Due and Accruing
(dollars in millions)Current30-5960-89 90+Nonaccrual Total
Commercial and industrial$278 $— $2 $— $91 $371 
Commercial real estate495 — — 6 331 832 
Total commercial773 — 2 6 422 1,203 
Residential mortgages46 4 7 14 21 92 
Home equity11 — — — 14 25 
Education8 — — — 1 9 
Other retail13 2 1 — 1 17 
Total retail78 6 8 14 37 143 
Total$851 $6 $10 $20 $459 $1,346 
Financing receivable, modified, subsequent default
The following tables present the period-end amortized cost of loans to borrowers experiencing financial difficulty that defaulted during the period presented and were modified within the previous 12 months preceding the default, disaggregated by class of financing receivable and modification type. The modification type reflects the cumulative effect of all FDMs at the time of default. A loan is considered to be in default if, subsequent to modification, it becomes 90 or more days past due or is placed on nonaccrual status.
Three Months Ended June 30, 2026
(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayTotal
Commercial and industrial$— $83 $— $83 
Commercial real estate— 35 — 35 
Total commercial— 118 — 118 
Residential mortgages— 5 1 6 
Home equity— — — — 
Education1 — — 1 
Other retail1 — — 1 
Total retail2 5 1 8 
Total$2 $123 $1 $126 
Three Months Ended June 30, 2025
(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionTerm Extension and Payment DelayTotal
Commercial and industrial$— $26 $— $— $2 $28 
Commercial real estate— 6 2 — — 8 
Total commercial— 32 2 — 2 36 
Residential mortgages1 11 1 3 — 16 
Home equity— — 1 — — 1 
Education— — — — — — 
Other retail1 — — — — 1 
Total retail2 11 2 3 — 18 
Total$2 $43 $4 $3 $2 $54 
Six Months Ended June 30, 2026
(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionTerm Extension and Payment DelayInterest Rate Reduction, Term Extension, and Payment DelayTotal
Commercial and industrial$— $83 $— $— $— $— $83 
Commercial real estate— 84 — — — — 84 
Total commercial— 167 — — — — 167 
Residential mortgages— 12 1 2 1 1 17 
Home equity— — — 1 — — 1 
Education1 — — — — — 1 
Other retail1 — — — — — 1 
Total retail2 12 1 3 1 1 20 
Total$2 $179 $1 $3 $1 $1 $187 
Six Months Ended June 30, 2025
(dollars in millions)Interest Rate ReductionTerm ExtensionPayment DelayInterest Rate Reduction and Term ExtensionTerm Extension and Payment DelayTotal
Commercial and industrial$— $27 $— $— $2 $29 
Commercial real estate— 76 2 — — 78 
Total commercial— 103 2 — 2 107 
Residential mortgages1 14 2 5 — 22 
Home equity1 — 1 1 — 3 
Education1 — — — — 1 
Other retail1 — — — — 1 
Total retail4 14 3 6 — 27 
Total$4 $117 $5 $6 $2 $134