Loans Receivable (Tables)

6 Months Ended

Jun. 30, 2026

The following tables excludes loans held for sale. The following table shows a summary of our loans receivable at amortized cost basis at June 30, 2026 and December 31, 2025 (in thousands):


	June 30, 2026		December 31, 2025

Personal Banking:

Residential mortgage loans	$	3,001,908	3,100,780
Home equity loans	1,497,157		1,507,532
Vehicle loans	2,700,189		2,426,636
Consumer loans	142,869		137,254
Total Personal Banking	7,342,123		7,172,202

Commercial Banking:
Commercial real estate loans	2,610,861		2,915,696
Commercial real estate loans - owner occupied	377,376		381,206
Commercial and industrial loans	2,898,867		2,538,212
Total Commercial Banking	5,887,104		5,835,114
Total loans receivable, gross	13,229,227		13,007,316

Allowance for credit losses	(149,321)		(150,212)
Total loans receivable, net (1)	$	13,079,906	12,857,104

(1) Includes $22 million and $8 million of net unearned income costs at June 30, 2026 and December 31, 2025, respectively.

Schedule of the changes in the allowance for losses on loans receivable

The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the quarter ended June 30, 2026 (in thousands):


	Balance as of June 30, 2026		Current period provision	Charge-offs	Recoveries	Balance as of March 31, 2026
Allowance for Credit Losses
Personal Banking:
Residential mortgage loans	$	10,174	566	(465)	178	9,895
Home equity loans	6,211		35	(383)	219	6,340
Vehicle loans	24,744		232	(2,426)	592	26,346
Consumer loans	4,294		571	(1,695)	396	5,022
Total Personal Banking	45,423		1,404	(4,969)	1,385	47,603

Commercial Banking:
Commercial real estate loans	54,091		(1,790)	(889)	166	56,604
Commercial real estate loans - owner occupied	5,016		(16)	—	2	5,030
Commercial and industrial loans	44,791		4,682	(945)	246	40,808
Total Commercial Banking	103,898		2,876	(1,834)	414	102,442
Total	$	149,321	4,280	(6,803)	1,799	150,045

Allowance for Credit Losses - off-balance sheet exposure
Personal Banking:
Residential mortgage loans	$	1	1	—	—	—
Home equity loans	80		(6)	—	—	86

Total Personal Banking	81		(5)	—	—	86

Commercial Banking:
Commercial real estate loans	2,192		464	—	—	1,728
Commercial real estate loans - owner occupied	468		332	—	—	136
Commercial and industrial loans	11,715		1,566	—	—	10,149
Total Commercial Banking	14,375		2,362	—	—	12,013
Total off-balance sheet exposure	$	14,456	2,357	—	—	12,099

The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the quarter ended June 30, 2025 (in thousands):


	Balance as of June 30, 2025		Current period provision	Charge-offs	Recoveries	Balance as of March 31, 2025
Allowance for Credit Losses
Personal Banking:
Residential mortgage loans	$	12,089	(1,079)	(273)	166	13,275
Home equity loans	4,216		(228)	(413)	233	4,624
Vehicle loans	21,234		448	(2,150)	481	22,455
Consumer loans	2,266		1,028	(1,181)	422	1,997
Total Personal Banking	39,805		169	(4,017)	1,302	42,351

Commercial Banking:
Commercial real estate loans	53,624		7,432	(293)	902	45,583
Commercial real estate loans - owner occupied	4,130		(130)	—	73	4,187
Commercial and industrial loans	31,600		3,985	(3,597)	524	30,688
Total Commercial Banking	89,354		11,287	(3,890)	1,499	80,458
Total	$	129,159	11,456	(7,907)	2,801	122,809

Allowance for Credit Losses - off-balance sheet exposure
Personal Banking:

Home equity loans	$	65	4	—	—	61

Total Personal Banking	65		4	—	—	61

Commercial Banking:
Commercial real estate loans	1,897		(1,059)	—	—	2,956
Commercial real estate loans - owner occupied	260		124	—	—	136
Commercial and industrial loans	8,670		(1,781)	—	—	10,451
Total Commercial Banking	10,827		(2,716)	—	—	13,543
Total off-balance sheet exposure	$	10,892	(2,712)	—	—	13,604

The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the six months ended June 30, 2026 (in thousands):


	Balance June 30, 2026		Current period provision	Charge-offs	Recoveries	Balance December 31, 2025
Allowance for Credit Losses
Personal Banking:
Residential mortgage loans	$	10,174	786	(1,466)	308	10,546
Home equity loans	6,211		369	(674)	367	6,149
Vehicle loans	24,744		3,036	(5,356)	1,119	25,945
Consumer loans	4,294		1,968	(3,296)	805	4,817
Total Personal Banking	45,423		6,159	(10,792)	2,599	47,457

Commercial Banking:
Commercial real estate loans	54,091		(3,798)	(1,143)	798	58,234
Commercial real estate loans - owner occupied	5,016		332	—	5	4,679
Commercial and industrial loans	44,791		6,541	(2,100)	508	39,842
Total Commercial Banking	103,898		3,075	(3,243)	1,311	102,755
Total	$	149,321	9,234	(14,035)	3,910	150,212

Allowance for Credit Losses - off-balance sheet exposure
Personal Banking:
Residential mortgage loans	$	1	1			—
Home equity loans	80		(11)			91

Total Personal Banking	81		(10)	—	—	91

Commercial Banking:
Commercial real estate loans	2,192		266			1,926
Commercial real estate loans - owner occupied	468		303			165
Commercial and industrial loans	11,715		1,213			10,502
Total Commercial Banking	14,375		1,782	—	—	12,593
Total off-balance sheet exposure	$	14,456	1,772	—	—	12,684

The following table provides information related to the allowance for credit losses by portfolio segment and by class of financing receivable for the six months ended June 30, 2025 (in thousands):


	Balance as of June 30, 2025		Current period provision	Charge-offs	Recoveries	Balance as of December 31, 2024
Allowance for Credit Losses
Personal Banking:
Residential mortgage loans	$	12,089	(1,672)	(861)	275	14,347
Home equity loans	4,216		(378)	(686)	435	4,845
Vehicle loans	21,234		2,263	(4,451)	1,033	22,389
Consumer loans	2,266		2,289	(2,685)	779	1,883
Total Personal Banking	39,805		2,502	(8,683)	2,522	43,464

Commercial Banking:
Commercial real estate loans	53,624		7,281	(409)	2,424	44,328
Commercial real estate loans - owner occupied	4,130		168	—	80	3,882
Commercial and industrial loans	31,600		9,761	(4,168)	862	25,145
Total Commercial Banking	89,354		17,210	(4,577)	3,366	73,355
Total	$	129,159	19,712	(13,260)	5,888	116,819

Allowance for Credit Losses - off-balance sheet exposure
Personal Banking:

Home equity loans	65		3	—	—	62

Total Personal Banking	65		3	—	—	62

Commercial Banking:
Commercial real estate loans	1,897		(2,257)	—	—	4,154
Commercial real estate loans - owner occupied	260		100	—	—	160
Commercial and industrial loans	8,670		(903)	—	—	9,573
Total Commercial Banking	10,827		(3,060)	—	—	13,887
Total off-balance sheet exposure	$	10,892	(3,057)	—	—	13,949

Schedule of loan portfolio by portfolio segment and by class of financing receivable

The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable at June 30, 2026 (in thousands):


	Total loans receivable		Allowance for credit losses	Nonaccrual loans	Loans 90 days past due and accruing
Personal Banking:
Residential mortgage loans	$	3,001,908	10,174	11,766	—
Home equity loans	1,497,157		6,211	5,370	—
Vehicle loans	2,700,189		24,744	4,649	—
Consumer loans	142,869		4,294	142	477
Total Personal Banking	7,342,123		45,423	21,927	477

Commercial Banking:
Commercial real estate loans	2,610,861		54,091	45,920	—
Commercial real estate loans - owner occupied	377,376		5,016	1,520	—
Commercial and industrial loans	2,898,867		44,791	21,984	96
Total Commercial Banking	5,887,104		103,898	69,424	96

Total	$	13,229,227	149,321	91,351	573

The following table provides information related to the loan portfolio by portfolio segment and by class of financing receivable at December 31, 2025 (in thousands):


	Total loans receivable		Allowance for credit losses	Nonaccrual loans	Loans 90 days past due and accruing
Personal Banking:
Residential mortgage loans	$	3,100,780	10,546	12,247	—
Home equity loans	1,507,532		6,149	3,755	—
Vehicle loans	2,426,636		25,945	5,493	—
Consumer loans	137,254		4,817	218	602
Total Personal Banking	7,172,202		47,457	21,713	602

Commercial Banking:
Commercial real estate loans	2,915,696		58,234	56,223	—
Commercial real estate loans - owner occupied	381,206		4,679	1,262	—
Commercial and industrial loans	2,538,212		39,842	28,085	44
Total Commercial Banking	5,835,114		102,755	85,570	44

Total	$	13,007,316	150,212	107,283	646

Schedule of the composition of nonaccrual loans by portfolio segment and by class of financing receivable

The following table presents the amortized cost of our loans on nonaccrual status as of the beginning and end of the period ended June 30, 2026 (in thousands):


			June 30, 2026
	Nonaccrual loans at January 1, 2026		Nonaccrual loans with an allowance	Nonaccrual loans with no allowance	Total nonaccrual loans at the end of the period
Personal Banking:
Residential mortgage loans	$	12,247	8,891	2,875	11,766
Home equity loans	3,755		4,599	771	5,370
Vehicle loans	5,493		3,684	965	4,649
Consumer loans	218		4	138	142
Total Personal Banking	21,713		17,178	4,749	21,927

Commercial Banking:
Commercial real estate loans	56,223		26,370	19,550	45,920
Commercial real estate loans - owner occupied	1,262		539	981	1,520
Commercial and industrial loans	28,085		18,100	3,884	21,984
Total Commercial Banking	85,570		45,009	24,415	69,424

Total	$	107,283	62,187	29,164	91,351

The following table presents the amortized cost of our loans on nonaccrual status as of the beginning and end of the year ended December 31, 2025 (in thousands):


			December 31, 2025
	Nonaccrual loans at January 1, 2025		Nonaccrual loans with an allowance	Nonaccrual loans with no allowance	Total nonaccrual loans at the end of the period
Personal Banking:
Residential mortgage loans	$	6,951	9,158	3,089	12,247
Home equity loans	3,332		3,017	738	3,755
Vehicle loans	4,829		4,563	930	5,493
Consumer loans	199		218	—	218
Total Personal Banking	15,311		16,956	4,757	21,713

Commercial Banking:
Commercial real estate loans	36,183		24,186	32,037	56,223
Commercial real estate loans - owner occupied	784		275	987	1,262
Commercial and industrial loans	9,123		22,114	5,971	28,085
Total Commercial Banking	46,090		46,575	38,995	85,570

Total	$	61,401	63,531	43,752	107,283

The following table presents the amortized cost basis of collateral-dependent loans by class of loans and collateral type as of as of June 30, 2026 (in thousands):


	Real estate		Equipment	Other	Total







Commercial Banking:
Commercial real estate loans	$	28,252	—	—	28,252

Commercial and industrial loans	2,264		7,052	1,642	10,958
Total Commercial Banking	30,516		7,052	1,642	39,210

Total	$	30,516	7,052	1,642	39,210

The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2025 (in thousands):


	Real estate		Equipment	Other	Total







Commercial Banking:
Commercial real estate loans	$	40,086	50	—	40,136

Commercial and industrial loans	5,821		9,425	2,352	17,598
Total Commercial Banking	45,907		9,475	2,352	57,734

Total	$	45,907	9,475	2,352	57,734

Schedule of troubled debt restructurings (including re-modified TDRs) by portfolio segment and by class of financing receivable

The following table presents the amortized cost basis of loans for the periods indicated that were both experiencing financial difficulty and modified during the respective period, by class and by type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financial receivable is also presented below (dollars in thousands).


	For the quarter ended June 30,
	2026				2025
	Payment delay		Term extension	Combination term extension and interest rate reduction	Total class of financing receivable		Payment delay		Term extension	Combination term extension and interest rate reduction	Total class of financing receivable
Personal Banking:
Residential mortgage loans	$	—	134	659	0.03	%	$	—	276	—	0.01	%
Home equity loans	—		27	—	0.00	%	—		—	—	0.00	%


Total Personal Banking	—		161	659	0.01	%	—		276	—	0.00	%

Commercial Banking:
Commercial real estate loans	269		39,604	17,457	2.20	%	43		3,183	91	0.14	%
Commercial real estate loans - owner occupied	—		—	—	—	%	—		3,542	—	0.97	%
Commercial and industrial loans	34		634	—	0.02	%	—		—	—	0.00	%
Total Commercial Banking	303		40,238	17,457	0.99	%	43		6,725	91	0.14	%

Total	$	303	40,399	18,116	0.44	%	$	43	7,001	91	0.06	%


	For the six months ended June 30,
	2026				2025
	Payment delay		Term extension	Combination term extension and interest rate reduction	Total class of financing receivable		Payment delay		Term extension	Combination term extension and interest rate reduction	Total class of financing receivable
Personal Banking:
Residential mortgage loans	$	—	134	659	0.03	%	$	—	305	—	0.01	%
Home equity loans	—		30	—	—	%	—		78	—	0.01	%


Total Personal Banking	—		164	659	0.01	%	—		383	—	0.01	%

Commercial Banking:
Commercial real estate loans	269		39,689	17,457	2.20	%	70		5,831	91	0.25	%
Commercial real estate loans - owner occupied	—		—	2,935	0.78	%	—		3,542	—	0.97	%
Commercial and industrial loans	34		634	—	0.02	%	1,785		8	9	0.08	%
Total Commercial Banking	303		40,323	20,392	1.04	%	1,855		9,381	100	0.23	%

Total	$	303	40,487	21,051	0.47	%	$	1,855	9,764	100	0.10	%

The following tables present the effect of the loan modifications presented above to borrowers experiencing financial difficulty for the periods indicated:


	For the quarter ended June 30,
	2026				2025
	Weighted-average interest rate reduction		Weighted-average term extension in months	Weighted-average payment deferral in years	Weighted-average interest rate reduction		Weighted-average term extension in months	Weighted-average payment deferral in years
Personal Banking:
Residential mortgage loans	1	%	109	0	—	%	117	0
Home equity loans	—	%	40	0	—	%	0	0


Total Personal Banking	1	%	107	0	—	%	117	0

Commercial Banking:
Commercial real estate loans	2	%	8	0.5	1	%	11	0.5
Commercial real estate loans - owner occupied	—	%	0	0.0	—	%	6	0
Commercial and industrial loans	—	%	6	0.5	—	%	0	0.0
Total Commercial Banking	2	%	8	0.5	1	%	9	0.5
Total loans	2	%	9	0.5	1	%	13	0.5


	For the six months ended June 30,
	2026				2025
	Weighted-average interest rate reduction		Weighted-average term extension in months	Weighted-average payment deferral in years	Weighted-average interest rate reduction		Weighted-average term extension in months	Weighted-average payment deferral in years
Personal Banking:
Residential mortgage loans	1	%	109	0	—	%	118	0
Home equity loans	—	%	38	0	—	%	131	0


Total Personal Banking	1	%	106	0	—	%	121	0

Commercial Banking:
Commercial real estate loans	2	%	8	0.5	1	%	8	0.5
Commercial real estate loans - owner occupied	4	%	17	0	—	%	6	0
Commercial and industrial loans	—	%	6	0.5	1	%	85	0.8
Total Commercial Banking	2	%	8	0.5	1	%	7	0.8
Total loans	2	%	10	0.5	1	%	12	0.8

The following table presents the performance of loans that such loans have been modified within the previous twelve months of June 30, 2026 (in thousands):


	Current		30-59 days delinquent	60-89 days delinquent	90 days or greater delinquent
Personal Banking:
Residential mortgage loans	$	1,323	—	—	183
Home equity loans	362		30	—	—
Vehicle loans	—		—	3	—
Consumer loans	5		—	—	—
Total Personal Banking	1,690		30	3	183

Commercial Banking:
Commercial real estate loans	77,574		—	—	8,102
Commercial real estate loans - owner occupied	4,453		—	—	—
Commercial and industrial loans	920		92	—	47
Total Commercial Banking	82,947		92	—	8,149
Total loans	$	84,637	122	3	8,332

The following table presents the performance of loans modified within the previous twelve months of June 30, 2025 (in thousands):


	Current		30-59 days delinquent	60-89 days delinquent	90 days or greater delinquent
Personal Banking:
Residential mortgage loans	$	755	—	32	183
Home equity loans	168		—	—	10

Consumer loans	9		—	—	—
Total Personal Banking	932		—	32	193

Commercial Banking:
Commercial real estate loans	5,993		—	—	—
Commercial real estate loans - owner occupied	3,503		39	—	—
Commercial and industrial loans	35		67	—	1,718
Total Commercial Banking	9,531		106	—	1,718
Total loans	$	10,463	106	32	1,911

Schedule of loans with payment default and modified

The following table provides the amortized cost basis of financing receivables that had a payment default during the periods indicated and were modified within the previous twelve months to borrowers experiencing financial difficulty (in thousands):


	For the quarter ended June 30,
	2026			2025
	Term extension		Payment delay	Term extension	Payment delay
Personal Banking:
Residential mortgage loans	$	183	—	—	183
Home equity loans	—		—	10	—


Total Personal Banking	183		—	10	183

Commercial Banking:
Commercial real estate loans	—		8,102	—	$	—

Commercial and industrial loans	—		47	—	1,718
Total Commercial Banking	—		8,149	—	1,718

Total	$	183	8,149	10	1,901

Schedule of loan delinquencies

The following table provides information related to the amortized cost basis of loan payment delinquencies at June 30, 2026 (in thousands):


	30-59 days delinquent		60-89 days delinquent	90 days or greater delinquent	Total delinquency	Current	Total loans receivable

Personal Banking:
Residential mortgage loans	$	1,140	7,468	10,671	19,279	2,982,629	3,001,908
Home equity loans	6,611		2,116	4,343	13,070	1,484,087	1,497,157
Vehicle loans	11,100		3,007	3,433	17,540	2,682,649	2,700,189
Consumer loans	712		501	605	1,818	141,051	142,869
Total Personal Banking	19,563		13,092	19,052	51,707	7,290,416	7,342,123

Commercial Banking:
Commercial real estate loans	4,370		2,072	28,535	34,977	2,575,884	2,610,861
Commercial real estate loans - owner occupied	—		1,136	1,305	2,441	374,935	377,376
Commercial and industrial loans	2,844		5,837	15,659	24,340	2,874,527	2,898,867
Total Commercial Banking	7,214		9,045	45,499	61,758	5,825,346	5,887,104
Total loans	$	26,777	22,137	64,551	113,465	13,115,762	13,229,227

The following table provides information related to the amortized cost basis of loan payment delinquencies at December 31, 2025 (in thousands):


	30-59 days delinquent		60-89 days delinquent	90 days or greater delinquent	Total delinquency	Current	Total loans receivable

Personal Banking:
Residential mortgage loans	$	41,180	10,934	10,001	62,115	3,038,665	3,100,780
Home equity loans	6,488		2,316	2,492	11,296	1,496,236	1,507,532
Vehicle loans	13,271		4,161	4,098	21,530	2,405,106	2,426,636
Consumer loans	792		438	795	2,025	135,229	137,254
Total Personal Banking	61,731		17,849	17,386	96,966	7,075,236	7,172,202

Commercial Banking:
Commercial real estate loans	24,379		12,736	31,723	68,838	2,846,858	2,915,696
Commercial real estate loans - owner occupied	4,266		205	1,022	5,493	375,713	381,206
Commercial and industrial loans	5,657		2,899	16,269	24,825	2,513,387	2,538,212
Total Commercial Banking	34,302		15,840	49,014	99,156	5,735,958	5,835,114
Total originated loans	$	96,033	33,689	66,400	196,122	12,811,194	13,007,316

Schedule of credit quality indicators

The following table presents the amortized cost basis of our loan portfolio by year of origination and credit quality indicator and the current period charge-offs by year of origination for each portfolio segment as of June 30, 2026 (in thousands):


	YTD June 30, 2026		2025	2024	2023	2022	Prior	Revolving loans	Revolving loans converted to term loans	Total loans receivable
Personal Banking:
Residential mortgage loans
Pass	$	66,537	60,367	37,804	199,709	577,292	2,048,433	—	—	2,990,142
Substandard	—		108	—	675	2,180	8,803	—	—	11,766
Total residential mortgage loans	66,537		60,475	37,804	200,384	579,472	2,057,236	—	—	3,001,908
Residential mortgage current period charge-offs	—		—	—	—	(286)	(1,180)	—	—	(1,466)
Home equity loans
Pass	61,066		88,532	23,712	42,490	64,482	324,261	829,187	58,057	1,491,787
Substandard	—		—	105	44	272	1,030	2,615	1,304	5,370
Total home equity loans	61,066		88,532	23,817	42,534	64,754	325,291	831,802	59,361	1,497,157
Home equity current period charge-offs	—		—	—	—	(49)	(99)	(389)	(137)	(674)
Vehicle loans
Pass	776,678		988,449	376,227	252,910	196,807	104,469	—	—	2,695,540
Substandard	—		1,032	966	1,145	648	—	858	—	4,649
Total vehicle loans	776,678		989,481	377,193	254,055	197,455	104,469	858	—	2,700,189
Vehicle current period charge-offs	(13)		(1,264)	(1,264)	(1,202)	(885)	(728)	—	—	(5,356)
Consumer loans
Pass	28,194		22,558	12,645	5,699	1,756	3,238	67,689	472	142,251
Substandard	20		32	26	22	2	—	480	36	618
Total consumer loans	28,214		22,590	12,671	5,721	1,758	3,238	68,169	508	142,869
Consumer loan current period charge-offs	(921)		(614)	(470)	(375)	(179)	(703)	(23)	(11)	(3,296)
Total Personal Banking	932,495		1,161,078	451,485	502,694	843,439	2,490,234	900,829	59,869	7,342,123
Commercial Banking:
Commercial real estate loans
Pass	123,532		185,371	227,563	218,108	307,628	1,005,039	27,981	10,570	2,105,792
Special mention	—		4,802	25,629	50,866	13,990	45,336	626	—	141,249
Substandard	—		5,224	29,352	36,631	81,864	206,517	2,693	1,539	363,820


Total commercial real estate loans	123,532		195,397	282,544	305,605	403,482	1,256,892	31,300	12,109	2,610,861
Commercial real estate current period charge-offs	—		—	—	(61)	(823)	(259)	—	—	(1,143)
Commercial real estate loans - owner occupied
Pass	9,224		67,303	31,766	30,442	18,347	179,457	1,559	—	338,098
Special mention	—		3,938	1,590	—	1,961	2,523	1,180	—	11,192
Substandard	2,935		—	5,877	1,043	4,739	8,442	4,201	849	28,086


Total commercial real estate loans - owner occupied	12,159		71,241	39,233	31,485	25,047	190,422	6,940	849	377,376
Commercial real estate - owner occupied current period charge-offs	—		—	—	—	—	—	—	—	—
Commercial and industrial loans
Pass	559,533		688,265	404,125	218,497	156,341	64,819	644,727	6,512	2,742,819
Special mention	—		12,539	19,000	8,410	1,085	288	4,978	1	46,301
Substandard	—		1,936	23,310	10,326	7,401	6,661	59,019	1,094	109,747


Total commercial and industrial loans	559,533		702,740	446,435	237,233	164,827	71,768	708,724	7,607	2,898,867
Commercial and industrial current period charge-offs	—		(84)	(281)	(306)	(600)	(373)	(387)	(69)	(2,100)
Total Commercial Banking	695,224		969,378	768,212	574,323	593,356	1,519,082	746,964	20,565	5,887,104

Total loans	$	1,627,719	2,130,456	1,219,697	1,077,017	1,436,795	4,009,316	1,647,793	80,434	13,229,227

The following table presents the amortized cost basis of our loan portfolio by year of origination and credit quality indicator for each portfolio segment as of December 31, 2025 (in thousands):


	2025		2024	2023	2022	2021	Prior	Revolving loans	Revolving loans converted to term loans	Total loans receivable
Personal Banking:
Residential mortgage loans
Pass	$	65,511	41,435	216,600	607,377	709,122	1,448,488	—	—	3,088,533
Substandard	—		—	729	2,363	2,760	6,395	—	—	12,247
Total residential mortgage loans	65,511		41,435	217,329	609,740	711,882	1,454,883	—	—	3,100,780
Residential mortgage current period charge-offs	—		—	(51)	(447)	(55)	(623)	(50)	—	(1,226)
Home equity loans
Pass	99,444		26,377	47,301	71,086	71,038	290,393	840,879	57,259	1,503,777
Substandard	—		—	47	255	—	1,168	1,441	844	3,755
Total home equity loans	99,444		26,377	47,348	71,341	71,038	291,561	842,320	58,103	1,507,532
Home equity current period charge-offs	—		(85)	(13)	(219)	(98)	(399)	(545)	(221)	(1,580)
Vehicle loans
Pass	1,157,146		477,435	335,622	281,604	111,302	58,034	—	—	2,421,143
Substandard	537		1,169	1,455	1,128	735	469	—	—	5,493
Total vehicle loans	1,157,683		478,604	337,077	282,732	112,037	58,503	—	—	2,426,636
Vehicle current period charge-offs	(527)		(1,663)	(2,159)	(2,129)	(1,205)	(1,145)	—	—	(8,828)
Consumer loans
Pass	34,396		17,034	8,244	3,117	1,063	3,128	68,963	489	136,434
Substandard	16		72	32	8	9	—	603	80	820
Total consumer loans	34,412		17,106	8,276	3,125	1,072	3,128	69,566	569	137,254
Consumer loan current period charge-offs	(2,488)		(872)	(805)	(500)	(313)	(1,206)	(166)	(91)	(6,441)
Total Personal Banking	1,357,050		563,522	610,030	966,938	896,029	1,808,075	911,886	58,672	7,172,202
Commercial Banking:
Commercial real estate loans
Pass	192,876		280,328	304,567	406,936	275,080	973,846	37,133	11,234	2,482,000
Special Mention	1,738		5,933	23,540	28,030	41,409	27,177	639	—	128,466
Substandard	886		29,241	22,868	81,445	55,020	112,043	1,942	1,785	305,230


Total commercial real estate loans	195,500		315,502	350,975	516,411	371,509	1,113,066	39,714	13,019	2,915,696
Commercial real estate current period charge-offs	—		(3)	(73)	(2,009)	(30)	(11,847)	(15)	(173)	(14,150)
Commercial real estate loans - owner occupied
Pass	59,948		34,150	28,382	17,798	54,818	134,942	5,764	—	335,802
Special Mention	—		—	—	—	615	2,508	—	—	3,123
Substandard	—		3,758	1,720	3,614	3,359	26,925	1,963	942	42,281


Total commercial real estate loans - owner occupied	59,948		37,908	30,102	21,412	58,792	164,375	7,727	942	381,206
Commercial real estate - owner occupied current period charge-offs	—		—	—	—	—	(336)	—	—	(336)
Commercial and industrial loans
Pass	741,190		531,151	246,591	210,899	35,114	55,116	569,922	2,847	2,392,830
Special Mention	187		21,007	7,883	976	426	107	31,262	4	61,852
Substandard	3,840		12,765	20,440	5,698	5,141	6,185	27,886	1,575	83,530


Total commercial and industrial loans	745,217		564,923	274,914	217,573	40,681	61,408	629,070	4,426	2,538,212
Commercial and industrial current period charge-offs	—		(128)	(489)	(2,986)	(230)	(1,493)	(310)	(1,459)	(7,095)
Total Commercial Banking	1,000,665		918,333	655,991	755,396	470,982	1,338,849	676,511	18,387	5,835,114

Total loans	$	2,357,715	1,481,855	1,266,021	1,722,334	1,367,011	3,146,924	1,588,397	77,059	13,007,316