v3.26.1
Asset Quality (Tables)
 6 Months Ended
Jun. 30, 2026
Credit Loss [Abstract]  
Schedule of Financing Receivable, Allowance for Credit Loss The changes in the ALLL by loan category for the periods indicated are as follows:
Three months ended June 30, 2026:
Dollars in millionsMarch 31, 2026ProvisionCharge-offsRecoveriesJune 30, 2026
Commercial and Industrial $767 $113 $(84)$9 $805 
Commercial real estate:
Real estate — commercial mortgage253 8 (20)1 242 
Real estate — construction51 (14)— — 37 
Total commercial real estate loans304 (6)(20)1 279 
Commercial lease financing26 (2)(1)— 23 
Total commercial loans1,097 105 (105)10 1,107 
Real estate — residential mortgage69 (2)(1)1 67 
Home equity loans51 (3)— — 48 
Other consumer loans148 5 (14)3 142 
Credit cards84 6 (11)2 81 
Total consumer loans352 6 (26)6 338 
Total ALLL — continuing operations1,449 111 
(a)
(131)16 1,445 
Discontinued operations11 (2)— — 9 
Total ALLL — including discontinued operations$1,460 $109 $(131)$16 $1,454 
(a)Excludes a credit related to reserves on lending-related commitments of $19 million.

Three months ended June 30, 2025:
Dollars in millionsMarch 31, 2025ProvisionCharge-offsRecoveriesJune 30, 2025
Commercial and Industrial $669 $84 $(94)$19 $678 
Commercial real estate:
Real estate — commercial mortgage297 27 (6)1 319 
Real estate — construction57 — — — 57 
Total commercial real estate loans354 27 (6)1 376 
Commercial lease financing34 — (2)— 32 
Total commercial loans1,057 111 (102)20 1,086 
Real estate — residential mortgage71 (4)— 1 68 
Home equity loans75 (7)— 1 69 
Other consumer loans143 9 (13)2 141 
Credit cards83 10 (12)1 82 
Total consumer loans372 8 (25)5 360 
Total ALLL — continuing operations1,429 119 
(a)
(127)25 1,446 
Discontinued operations13 — (1)— 12 
Total ALLL — including discontinued operations$1,442 $119 $(128)$25 $1,458 
(a)Excludes a provision related to reserves on lending-related commitments of $19 million.
Six months ended June 30, 2026:
Dollars in millionsDecember 31, 2025ProvisionCharge-offsRecoveriesJune 30, 2026
Commercial and Industrial $745 $215 $(174)$19 $805 
Commercial real estate:
Real estate — commercial mortgage252 10 (21)1 242 
Real estate — construction55 (18)— — 37 
Total commercial real estate loans307 (8)(21)1 279 
Commercial lease financing26 (2)(1)— 23 
Total commercial loans1,078 205 (196)20 1,107 
Real estate — residential mortgage66 — (1)2 67 
Home equity loans52 (4)(1)1 48 
Other consumer loans149 17 (29)5 142 
Credit cards82 16 (21)4 81 
Total consumer loans349 29 (52)12 338 
Total ALLL — continuing operations1,427 234 
(a)
(248)32 1,445 
Discontinued operations11 (1)(1)— 9 
Total ALLL — including discontinued operations$1,438 $233 $(249)$32 $1,454 
(a)Excludes a credit related to reserves on lending-related commitments of $36 million.

Six months ended June 30, 2025:
Dollars in millionsDecember 31, 2024ProvisionCharge-offsRecoveriesJune 30, 2025
Commercial and Industrial $639 $166 $(156)$29 $678 
Commercial real estate:
Real estate — commercial mortgage320 40 (42)1 319 
Real estate — construction51 6 — — 57 
Total commercial real estate loans371 46 (42)1 376 
Commercial lease financing27 7 (2)— 32 
Total commercial loans1,037 219 (200)30 1,086 
Real estate — residential mortgage90 (23)(1)2 68 
Home equity loans70 (2)(1)2 69 
Other consumer loans136 28 (27)4 141 
Credit cards76 27 (24)3 82 
Total consumer loans372 30 (53)11 360 
Total ALLL — continuing operations1,409 249 
(a)
(253)41 1,446 
Discontinued operations13 — (1)— 12 
Total ALLL — including discontinued operations$1,422 $249 $(254)$41 $1,458 
(a)Excludes a provision related to reserves on lending-related commitments of $7 million.
Schedule of Significant Macroeconomic Variables of Loan Portfolios The following table discloses key macroeconomic variables for each loan portfolio.
SegmentPortfolio
Key Macroeconomic Variables (a)
CommercialCommercial and industrialBBB corporate bond rate (spread), fixed investment, business bankruptcies, GDP, industrial production, unemployment rate, and Producer Price Index
Commercial real estateProperty & real estate price indices, unemployment rate, business bankruptcies, GDP, and SOFR
Commercial lease financingBBB corporate bond rate (spread), GDP, and unemployment rate
ConsumerReal estate — residential mortgageGDP, home price index, unemployment rate, 30 year mortgage rate and U.S. household income
Home equityHome price index, unemployment rate, and 30 year mortgage rate
Other consumerUnemployment rate, prime rate and U.S. household income
Credit cardsUnemployment rate and U.S. household income
Discontinued operationsUnemployment rate
(a)Variables include all transformations and interactions with other risk drivers. Additionally, variables may have varying impacts at different points in the economic cycle.
Schedule of Financing Receivable Credit Quality Indicators
Credit Risk Profile by Creditworthiness Category and Vintage (a)(b)
As of June 30, 2026Term LoansRevolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost Basis
Amortized Cost Basis by Origination Year and Internal Risk Rating
Dollars in millions20262025202420232022PriorTotal
Commercial and Industrial
Risk Rating:
Pass$5,938 $9,900 $5,330 $1,971 $4,180 $5,473 $26,095 $262 $59,149 
Criticized (Accruing)17 244 178 206 427 728 1,414 13 3,227 
Criticized (Nonaccruing)4 3 8 18 50 62 213 — 358 
Total commercial and industrial5,959 10,147 5,516 2,195 4,657 6,263 27,722 275 62,734 
Annual gross write-offs— 1 1 8 17 20 127 — 174 
Real estate — commercial mortgage
Risk Rating:
Pass1,232 3,028 781 474 1,527 3,890 1,649 69 12,650 
Criticized (Accruing)1 93 62 119 302 432 18 8 1,035 
Criticized (Nonaccruing)— — 53 7 127 65 4 — 256 
Total real estate — commercial mortgage
1,233 3,121 896 600 1,956 4,387 1,671 77 13,941 
Annual gross write-offs— — 6 — 10 5 — — 21 
Real estate — construction
Risk Rating:
Pass35 786 712 482 241 62 345 — 2,663 
Criticized (Accruing)— 14 2 35 — 179 — 3 233 
Criticized (Nonaccruing)— — — — — — — — — 
Total real estate — construction35 800 714 517 241 241 345 3 2,896 
Annual gross write-offs— — — — — — — — — 
Commercial lease financing
Risk Rating:
Pass145 246 207 255 366 713 — — 1,932 
Criticized (Accruing)1 4 2 18 17 17 — — 59 
Criticized (Nonaccruing)— — — 4 1 1 — — 6 
Total commercial lease financing146 250 209 277 384 731 — 1,997 
Annual gross write-offs— — — — — 1 — — 1 
Total commercial loans$7,373 $14,318 $7,335 $3,589 $7,238 $11,622 $29,738 $355 $81,568 
Total commercial loan annual gross write-offs$— $1 $7 $8 $27 $26 $127 $— $196 

As of December 31, 2025Term LoansRevolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost Basis
Amortized Cost Basis by Origination Year and Internal Risk Rating
Dollars in millions20252024202320222021PriorTotal
Commercial and Industrial
Risk Rating:
Pass$9,473 $5,864 $2,263 $5,313 $2,648 $4,115 $24,267 $174 $54,117 
Criticized (Accruing)139 218 171 463 259 493 1,535 37 3,315 
Criticized (Nonaccruing)1 14 18 54 21 33 115 — 256 
Total commercial and industrial9,613 6,096 2,452 5,830 2,928 4,641 25,917 211 57,688 
Annual gross write-offs13 27 22 27 8 28 187 — 312 
Real estate — commercial mortgage
Risk Rating:
Pass3,246 826 651 1,911 1,519 2,997 1,366 29 12,545 
Criticized (Accruing)8 99 60 326 237 246 20 9 1,005 
Criticized (Nonaccruing)— 16 3 95 31 9 3 — 157 
Total real estate — commercial mortgage
3,254 941 714 2,332 1,787 3,252 1,389 38 13,707 
Annual gross write-offs19 14 1 18 29 10 3 — 94 
Real estate — construction
Risk Rating:
Pass468 565 771 262 130 72 296 2 2,566 
Criticized (Accruing)— — 20 95 36 127 — — 278 
Criticized (Nonaccruing)— — — — — — — — — 
Total real estate — construction468 565 791 357 166 199 296 2 2,844 
Annual gross write-offs— — — — — — — — — 
Commercial lease financing
Risk Rating:
Pass322 228 293 433 249 609 — — 2,134 
Criticized (Accruing)5 4 26 55 18 21 — — 129 
Criticized (Nonaccruing)— — 5 2 — — — — 7 
Total commercial lease financing327 232 324 490 267 630 — — 2,270 
Annual gross write-offs— — 3 1 — 2 — — 6 
Total commercial loans$13,662 $7,834 $4,281 $9,009 $5,148 $8,722 $27,602 $251 $76,509 
Total commercial loan annual gross write-offs$32 $41 $26 $46 $37 $40 $190 $— $412 
(a)Accrued interest of $338 million and $338 million as of June 30, 2026, and December 31, 2025, respectively, presented in “Accrued income and other assets” on the Consolidated Balance Sheets, was excluded from the amortized cost basis disclosed in these tables.
(b)Gross write-off information is presented on a year-to-date basis for the six months ended June 30, 2026 and the twelve months ended December 31, 2025.
Consumer Credit Exposure
Credit Risk Profile by FICO Score and Vintage (a)(b)
As of June 30, 2026Term LoansRevolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost Basis
Amortized Cost Basis by Origination Year and FICO Score
Dollars in millions20262025202420232022PriorTotal
Real estate — residential mortgage
FICO Score:
750 and above$228 $315 $165 $539 $5,028 $9,506 $— $— $15,781 
660 to 74956 55 34 92 567 1,187 — — 1,991 
Less than 6602 6 13 26 104 240 — — 391 
No Score— 2 2 1 1 7 2 — 15 
Total real estate — residential mortgage286 378 214 658 5,700 10,940 2 — 18,178 
Annual gross write-offs— — — — — 1 — — 1 
Home equity loans
FICO Score:
750 and above16 40 22 19 108 1,714 1,736 153 3,808 
660 to 7495 16 12 11 36 375 664 49 1,168 
Less than 660— 2 3 5 15 140 241 19 425 
No Score— 1 — — — 1 5 — 7 
Total home equity loans21 59 37 35 159 2,230 2,646 221 5,408 
Annual gross write-offs— — — — — — 1 — 1 
Other consumer loans
FICO Score:
750 and above83 144 59 87 906 1,474 78 — 2,831 
660 to 74950 92 40 59 198 353 160 — 952 
Less than 6605 19 10 20 49 87 50 — 240 
No Score2 5 7 5 9 9 289 — 326 
Total consumer direct loans140 260 116 171 1,162 1,923 577 — 4,349 
Annual gross write-offs— 3 2 3 5 10 6 — 29 
Credit cards
FICO Score:
750 and above— — — — — — 471 — 471 
660 to 749— — — — — — 351 — 351 
Less than 660— — — — — — 104 — 104 
No Score— — — — — — 1 — 1 
Total credit cards— — — — — — 927 — 927 
Annual gross write-offs— — — — — — 21 — 21 
Total consumer loans$447 $697 $367 $864 $7,021 $15,093 $4,152 $221 $28,862 
Total consumer loan annual gross write-offs$— $3 $2 $3 $5 $11 $28 $— $52 
As of December 31, 2025Term LoansRevolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost Basis
Amortized Cost Basis by Origination Year and FICO Score
Dollars in millions20252024202320222021PriorTotal
Real estate — residential mortgage
FICO Score:
750 and above$358 $224 $607 $5,342 $6,738 $3,403 $— $— $16,672 
660 to 74969 36 86 504 582 420 — — 1,697 
Less than 6602 11 23 87 73 149 — — 345 
No Score2 2 2 1 — 9 2 — 18 
Total real estate — residential mortgage431 273 718 5,934 7,393 3,981 2 — 18,732 
Annual gross write-offs— — — — — 2 — — 2 
Home equity loans
FICO Score:
750 and above43 26 23 117 676 1,164 1,749 179 3,977 
660 to 74918 13 13 41 149 258 718 58 1,268 
Less than 6602 3 5 15 44 109 253 21 452 
No Score— — — — — 1 5 — 6 
Total home equity loans63 42 41 173 869 1,532 2,725 258 5,703 
Annual gross write-offs— — — — — — 2 — 2 
Other consumer loans
FICO Score:
750 and above175 73 104 986 1,032 595 81 — 3,046 
660 to 749112 48 74 220 218 179 172 — 1,023 
Less than 66017 12 21 54 52 46 54 — 256 
No Score12 8 5 10 13 6 265 — 319 
Total consumer direct loans316 141 204 1,270 1,315 826 572 — 4,644 
Annual gross write-offs4 5 7 9 9 7 15 — 56 
Credit cards
FICO Score:
750 and above— — — — — — 479 — 479 
660 to 749— — — — — — 364 — 364 
Less than 660— — — — — — 108 — 108 
No Score— — — — — — 2 — 2 
Total credit cards— — — — — — 953 — 953 
Annual gross write-offs— — — — — — 45 — 45 
Total consumer loans$810 $456 $963 $7,377 $9,577 $6,339 $4,252 $258 $30,032 
Total consumer annual gross write-offs$4 $5 $7 $9 $9 $9 $62 $— $105 
(a)Accrued interest of $114 million and $121 million as of June 30, 2026, and December 31, 2025, respectively, presented in “Accrued income and other assets” on the Consolidated Balance Sheets, was excluded from the amortized cost basis disclosed in this table.
(b)Gross write-off information is presented on a year-to-date basis for the six months ended June 30, 2026 and the twelve months ended December 31, 2025.
Schedule of Past Due Loans Including Current Loans
The following aging analysis of past due and current loans as of June 30, 2026, and December 31, 2025, provides further information regarding Key’s credit exposure.

Aging Analysis of Loan Portfolio(a)
As of June 30, 2026
Current (b)(c)
30-59
Days Past
Due (b)
60-89
Days Past
Due (b)
90 and
Greater
Days Past
Due (b)
Non-performing
Loans
Total Past
Due and
Non-performing
Loans (b)
Total
Loans (d)
Dollars in millions
LOAN TYPE
Commercial and industrial$62,303 $24 $13 $36 $358 $431 $62,734 
Commercial real estate:
Commercial mortgage13,648 7 22 8 256 293 13,941 
Construction2,895 — — 1 — 1 2,896 
Total commercial real estate loans16,543 7 22 9 256 294 16,837 
Commercial lease financing1,990 — — 1 6 7 1,997 
Total commercial loans$80,836 $31 $35 $46 $620 $732 $81,568 
Real estate — residential mortgage$18,052 $12 $5 $9 $100 $126 $18,178 
Home equity loans5,302 19 5 3 79 106 5,408 
Other consumer loans4,304 14 9 18 4 45 4,349 
Credit cards904 5 3 9 6 23 927 
Total consumer loans$28,562 $50 $22 $39 $189 $300 $28,862 
Total loans$109,398 $81 $57 $85 $809 $1,032 $110,430 
(a)Amounts in table represent amortized cost and exclude loans held for sale.
(b)Accrued interest of $453 million presented in “Accrued income and other assets” on the Consolidated Balance Sheets is excluded from the amortized cost basis disclosed in this table.
(c)Includes balances of $54 million in Commercial mortgage and $5 million in Real estate - residential mortgage associated with loans sold to GNMA that are 90 days or more past due where Key has the right but not the obligation to repurchase and whose payments are insured by the Federal Housing Administration or guaranteed by the United States Department of Veteran Affairs.
(d)Net of unearned income, net of deferred fees and costs, and unamortized discounts and premiums.

As of December 31, 2025
Current (b)(c)
30-59
Days Past
Due (b)
60-89
Days Past
Due (b)
90 and
Greater
Days Past
Due (b)
Non-performing
Loans
Total Past
Due and
Non-performing
Loans (b)
Total
Loans (d)
Dollars in millions
LOAN TYPE
Commercial and industrial$57,336 $38 $17 $41 $256 $352 $57,688 
Commercial real estate:
Commercial mortgage13,450 47 20 33 157 257 13,707 
Construction2,843 — — 1 — 1 2,844 
Total commercial real estate loans16,293 47 20 34 157 258 16,551 
Commercial lease financing2,260 3 — — 7 10 2,270 
Total commercial loans$75,889 $88 $37 $75 $420 $620 $76,509 
Real estate — residential mortgage$18,593 $21 $14 $— $104 $139 $18,732 
Home equity loans5,593 18 7 5 80 110 5,703 
Other consumer loans4,606 15 10 9 4 38 4,644 
Credit cards926 6 4 10 7 27 953 
Total consumer loans$29,718 $60 $35 $24 $195 $314 $30,032 
Total loans$105,607 $148 $72 $99 $615 $934 $106,541 
(a)Amounts in table represent amortized cost and exclude loans held for sale.
(b)Accrued interest of $459 million presented in “Accrued income and other assets” on the Consolidated Balance Sheets is excluded from the amortized cost basis disclosed in this table.
(c)Includes balances of $66 million in Commercial mortgage and $6 million in Real estate - residential mortgage associated with loans sold to GNMA that are 90 days or more past due where Key has the right but not the obligation to repurchase and whose payments are insured by the Federal Housing Administration or guaranteed by the United States Department of Veteran Affairs.
(d)Net of unearned income, net of deferred fees and costs, and unamortized discounts and premiums.
Schedule of Modified Financing Receivables
The following tables show the amortized cost basis at the end of the noted reporting periods of the loans modified to borrowers experiencing financial difficulty within the past 12 months of the noted periods. The tables do not include those modifications that only resulted in an insignificant payment delay. The tables do not include consumer loans that are still within a trial modification period. Trial modifications may be done for consumer borrowers where a trial payment plan period is offered in advance of a permanent loan modification. As of June 30, 2026, there were 132 loans totaling $20 million in a trial modification period. As of June 30, 2025, there were 91 loans totaling $12 million in a trial modification period.

Commitments outstanding to lend additional funds to borrowers experiencing financial difficulty whose loans were modified were $75 million and $98 million at June 30, 2026 and June 30, 2025, respectively.
As of June 30, 2026Interest Rate ReductionTerm ExtensionOther
Combination (a)
Total
Dollars in millionsAmortized Cost BasisAmortized Cost BasisAmortized Cost BasisAmortized Cost BasisAmortized Cost Basis% of Total Loan Type
LOAN TYPE
Commercial and Industrial$2 $294 $32 $60 $388 0.62 %
Commercial real estate:
Commercial mortgage— 99 19 2 120 0.86 
Total commercial real estate loans— 99 19 2 120 0.71 
Total commercial loans$2 $393 $51 $62 $508 0.62 %
Real estate — residential mortgage$3 $1 $— $6 $10 0.06 %
Home equity loans4 1 1 3 9 0.17 
Other consumer loans— 1 — 2 3 0.07 
Credit cards— — — 2 2 0.22 
Total consumer loans$7 $3 $1 $13 $24 0.08 %
Total loans$9 $396 $52 $75 $532 0.48 %

As of June 30, 2025Interest Rate ReductionTerm ExtensionOther
Combination (a)
Total
Dollars in millionsAmortized Cost BasisAmortized Cost BasisAmortized Cost BasisAmortized Cost BasisAmortized Cost Basis% of Total Loan Type
LOAN TYPE
Commercial and Industrial$— $109 $37 $19 $165 0.29 %
Commercial real estate:
Commercial mortgage— 212 17 52 281 2.03 
Construction— 34 — — 34 1.20 
Total commercial real estate loans— 246 17 52 315 1.89 
Total commercial loans$— $355 $54 $71 $480 0.64 %
Real estate — residential mortgage$2 $— $— $13 $15 0.08 %
Home equity loans4 1 2 5 12 0.18 
Other consumer loans— 3 — 2 5 0.10 
Credit cards— — — 4 4 0.43 
Total consumer loans$6 $4 $2 $24 $36 0.12 %
Total loans$6 $359 $56 $95 $516 0.49 %
(a)Combination modifications consist primarily of loans modified with both an interest rate reduction and a term extension.
The following table summarizes the financial impacts of loan modifications made to specific loans for the noted periods. For the three and six months ended June 30, 2026, the weighted-average interest rate change for commercial and industrial loans was comprised solely of modifications of commercial credit card balances.

Three months ended June 30, 2026Weighted-average Interest Rate ChangeWeighted-average Term Extension (in years)
LOAN TYPE
Commercial and Industrial(25.53)%1.08
Commercial mortgage— %1.09
Real estate — residential mortgage(2.22)%10.38
Home equity loans(1.55)%3.29
Other consumer loans(2.36)%0.61
Credit cards(20.07)%0.25

Three months ended June 30, 2025Weighted-average Interest Rate ChangeWeighted-average Term Extension (in years)
LOAN TYPE
Commercial and Industrial(30.00)%0.65
Commercial mortgage— %1.74
Real estate — residential mortgage(2.06)%6.10
Home equity loans(2.06)%5.96
Other consumer loans(3.25)%0.80
Credit cards(2.08)%0.25
Six months ended June 30, 2026Weighted-average Interest Rate ChangeWeighted-average Term Extension (in years)
LOAN TYPE
Commercial and Industrial(25.53)%1.09
Commercial mortgage— %0.83
Real estate — residential mortgage(2.33)%9.03
Home equity loans(3.30)%8.05
Other consumer loans(4.80)%0.75
Credit cards(20.31)%0.50

Six months ended June 30, 2025Weighted-average Interest Rate ChangeWeighted-average Term Extension (in years)
LOAN TYPE
Commercial and Industrial(20.24)%0.64
Commercial mortgage— %1.44
Construction— %0.50
Real estate — residential mortgage(1.69)%5.59
Home equity loans(2.57)%6.38
Other consumer loans(3.38)%0.73
Credit cards(5.24)%0.50
The following table presents the amortized cost of modified loans to borrowers experiencing financial difficulty that were within 12 months of their modification and subsequently defaulted within the noted periods.
Three months ended June 30, 2026
Dollars in millionsInterest Rate ReductionTerm ExtensionOtherCombinationTotal
LOAN TYPE
Commercial and Industrial$— $2 $— $— $2 
Total commercial loans— 2 — — 2 
Total loans$— $2 $— $— $2 

Three months ended June 30, 2025
Dollars in millionsInterest Rate ReductionTerm ExtensionOtherCombinationTotal
LOAN TYPE
Commercial and Industrial$— $1 $2 $— $3 
Total commercial loans— 1 2 — 3 
Credit cards— — — 1 1 
Total consumer loans$— $— $— $1 $1 
Total loans$— $1 $2 $1 $4 

Six months ended June 30, 2026
Dollars in millionsInterest Rate ReductionTerm ExtensionOtherCombinationTotal
LOAN TYPE
Commercial and Industrial$— $2 $— $— $2 
Commercial real estate
Commercial mortgage— 39 2 — 41 
Total commercial loans— 41 2 — 43 
Home equity loans— — — 1 1 
Total consumer loans$— $— $— $1 $1 
Total loans$— $41 $2 $1 $44 
Six months ended June 30, 2025
Dollars in millionsInterest Rate ReductionTerm ExtensionOtherCombinationTotal
LOAN TYPE
Commercial and Industrial$— $1 $2 $— $3 
Commercial real estate
Commercial mortgage$— $19 $— $— $19 
Total commercial real estate loans— 19 — — 19 
Total commercial loans— 20 2 — 22 
Total loans$— $20 $2 $— $22 
The following table presents the amortized cost as of June 30, 2026, of loans modified during the 12 months then ended, by aging.
As of June 30, 2026Current30-89 Days 
Past Due		90 and Greater
Days Past Due		Total
Dollars in millions
LOAN TYPE
Commercial and Industrial$365 $14 $9 $388 
Commercial real estate
Commercial mortgage76 — 44 120 
Total commercial real estate loans76 — 44 120 
Total commercial loans$441 $14 $53 $508 
Real estate — residential mortgage$9 $1 $— $10 
Home equity loans8 1 — 9 
Other consumer loans3 — — 3 
Credit cards2 — — 2 
Total consumer loans$22 $2 $— $24 
Total loans$463 $16 $53 $532 

The following table presents the amortized cost as of June 30, 2025, of loans modified during the twelve months then ended, by aging.
As of June 30, 2025Current30-89 Days 
Past Due		90 and Greater
Days Past Due		Total
Dollars in millions
LOAN TYPE
Commercial and Industrial$149 $13 $3 $165 
Commercial real estate
Commercial mortgage210 50 21 281 
Construction34 — — 34 
Total commercial real estate loans244 50 21 315 
Total commercial loans$393 $63 $24 $480 
Real estate — residential mortgage$14 $2 $— $16 
Home equity loans10 — 1 11 
Other consumer loans5 — — 5 
Credit cards4 — — 4 
Total consumer loans$33 $2 $1 $36 
Total loans$426 $65 $25 $516 
Schedule of Changes in Liability for Credit Losses on Off-Balance Sheet Exposures
Changes in the liability for credit losses on lending-related commitments are summarized as follows:

Three months ended June 30,Six months ended June 30,
Dollars in millions2026202520262025
Balance at beginning of period$296 $278 $313 $290 
Provision (credit) for losses on lending-related commitments(19)19 (36)7 
Balance at end of period$277 $297 $277 $297