v3.26.1
Loans and Allowance for Credit Losses (Tables)
 6 Months Ended
Jun. 30, 2026
Receivables [Abstract]  
Schedule of Accounts, Notes, Loans and Financing Receivable
The following table provides a summary of the Company’s loan portfolio as of the dates indicated:
June 30, 2026December 31, 2025
(In thousands)
Commercial and industrial$4,690,914 $4,324,615 
Commercial real estate9,390,773 9,529,071 
Commercial construction544,546 567,597 
Business banking1,561,530 1,603,489 
Residential real estate5,442,043 5,516,114 
Consumer home equity1,824,835 1,758,099 
Other consumer258,458 275,511 
Gross loans before unearned discounts and deferred fees, net23,713,099 23,574,496 
Allowance for loan losses (1)
(325,354)(331,841)
Unearned discounts and deferred fees, net(431,698)(489,431)
Loans after the allowance for loan losses and net unearned discounts and deferred fees$22,956,047 $22,753,224 
(1)The balance of accrued interest receivable excluded from amortized cost and the calculation of the allowance for loan losses amounted to $81.1 million and $81.9 million as of June 30, 2026 and December 31, 2025, respectively, and is included within other assets on the Consolidated Balance Sheets.
Schedule of Financing Receivable, Allowance for Credit Loss
The following tables summarize the changes in the allowance for loan losses by loan category for the periods indicated:
For the Three Months Ended June 30, 2026
Commercial
and
Industrial		Commercial
Real Estate		Commercial
Construction		Business
Banking		Residential
Real Estate		Consumer
Home
Equity		Other
Consumer		Total
(In thousands)
Allowance for loan losses:
Beginning balance$59,508 $178,826 $11,123 $22,159 $42,641 $9,627 $4,008 $327,892 
Initial reserve on purchased seasoned loans487 — — — — — — 487 
Charge-offs(816)(9,202)— (2,040)(68)(3)(802)(12,931)
Recoveries794 946 — 1,213 40 1 157 3,151 
Provision (release)3,236 1,769 1,128 1,839 (2,028)695 116 6,755 
Ending balance$63,209 $172,339 $12,251 $23,171 $40,585 $10,320 $3,479 $325,354 
For the Three Months Ended June 30, 2025
Commercial
and
Industrial		Commercial
Real Estate		Commercial
Construction		Business
Banking		Residential
Real Estate		Consumer
Home Equity		Other
Consumer		Total
(In thousands)
Allowance for loan losses:
Beginning balance$46,490 $106,634 $8,514 $20,315 $31,096 $6,891 $4,370 $224,310 
Charge-offs(82)(1,790)— (999)— — (529)(3,400)
Recoveries7 2,368 — 942 36 5 245 3,603 
Provision (release)7,695 (2,122)812 427 349 184 255 7,600 
Ending balance$54,110 $105,090 $9,326 $20,685 $31,481 $7,080 $4,341 $232,113 
For the Six Months Ended June 30, 2026
Commercial
and
Industrial		Commercial
Real Estate		Commercial
Construction		Business
Banking		Residential
Real Estate		Consumer
Home Equity		Other
Consumer		Total
(In thousands)
Allowance for loan losses:
Beginning balance$65,768 $164,376 $21,058 $22,921 $44,177 $9,171 $4,370 $331,841 
Initial reserve on purchased seasoned loans487 — — — — — — 487 
Charge-offs(7,316)(12,790)— (4,254)(68)(7)(1,414)(25,849)
Recoveries1,588 946 — 3,343 72 64 351 6,364 
Provision (release)2,682 19,807 (8,807)1,161 (3,596)1,092 172 12,511 
Ending balance$63,209 $172,339 $12,251 $23,171 $40,585 $10,320 $3,479 $325,354 
For the Six Months Ended June 30, 2025
Commercial
and
Industrial		Commercial
Real Estate		Commercial
Construction		Business
Banking		Residential
Real Estate		Consumer
Home Equity		Other
Consumer		Total
(In thousands)
Allowance for loan losses:
Beginning balance$41,090 $116,175 $8,462 $19,899 $32,291 $7,472 $3,563 $228,952 
Charge-offs(82)(13,377)— (1,341)— — (1,087)(15,887)
Recoveries18 3,062 — 1,264 75 5 424 4,848 
Provision (release)13,084 (770)864 863 (885)(397)1,441 14,200 
Ending balance$54,110 $105,090 $9,326 $20,685 $31,481 $7,080 $4,341 $232,113 
Schedule of details the internal risk-rating categories for the Company's commercial and industrial, commercial real estate, commercial construction and business banking portfolios
The following table details the amortized cost balances of the Company’s loan portfolios, presented by credit quality indicator and origination year as of June 30, 2026, and gross charge-offs for the six-month period then ended:
20262025202420232022PriorRevolving Loans
Revolving Loans Converted to Term Loans (1)
Total
(In thousands)
Commercial and industrial
Pass$685,284 $684,236 $266,786 $256,675 $385,399 $1,337,869 $868,520 $— $4,484,769 
Special Mention— 3,427 2,302 1,024 2,356 2,260 22,803 — 34,172 
Substandard— 3,074 24 38,956 19,439 17,379 71,074 — 149,946 
Doubtful— — — 3,128 — 8 — — 3,136 
Loss— — — — — — — — — 
Total commercial and industrial685,284 690,737 269,112 299,783 407,194 1,357,516 962,397 — 4,672,023 
Current period gross charge-offs— — — 6,498 818 — — — 7,316 
Commercial real estate
Pass446,367 919,644 596,530 698,678 2,130,242 3,870,418 86,492 2,386 8,750,757 
Special Mention— — — 30,538 89,767 147,595 — — 267,900 
Substandard— 14,197 — 54,695 76,083 71,373 — — 216,348 
Doubtful— — — 3,477 35,250 27,019 — — 65,746 
Loss— — — — — — — — — 
Total commercial real estate446,367 933,841 596,530 787,388 2,331,342 4,116,405 86,492 2,386 9,300,751 
Current period gross charge-offs— — — — 9,290 3,500 — — 12,790 
Commercial construction
Pass29,661 197,663 202,310 87,990 13,788 — 4,013 — 535,425 
Special Mention— — — — — — — — — 
Substandard— — — — 8,133 — — — 8,133 
Doubtful— — — — — — — — — 
Loss— — — — — — — — — 
Total commercial construction29,661 197,663 202,310 87,990 21,921 — 4,013 — 543,558 
Current period gross charge-offs— — — — — — — — — 
Business banking
Pass69,635 176,676 164,726 127,261 163,536 686,198 116,496 4,004 1,508,532 
Special Mention— 2,967 4,820 1,050 1,338 5,341 432 1,574 17,522 
Substandard— 1,552 3,448 4,998 3,150 12,731 844 250 26,973 
Doubtful— — — — — 930 — — 930 
Loss— — — — — — — — — 
Total business banking69,635 181,195 172,994 133,309 168,024 705,200 117,772 5,828 1,553,957 
Current period gross charge-offs— 314 920 684 304 1,888 — 144 4,254 
Residential real estate
Current and accruing187,116 413,205 218,348 356,708 1,196,126 2,750,936 — — 5,122,439 
30-89 days past due and accruing427 1,984 2,112 1,887 6,367 14,008 — — 26,785 
Loans 90 days or more past due and still accruing— — — — — — — — — 
Non-accrual231 1,195 243 1,050 6,184 13,040 — — 21,943 
Total residential real estate187,774 416,384 220,703 359,645 1,208,677 2,777,984 — — 5,171,167 
Current period gross charge-offs— — — — 68 — — — 68 
Consumer home equity
Current and accruing1,293 6,888 10,114 21,850 57,452 92,022 1,598,403 13,297 1,801,319 
30-89 days past due and accruing— — 48 103 386 1,871 11,337 483 14,228 
Loans 90 days or more past due and still accruing— — — — — — — — — 
Non-accrual— — — — 47 1,513 4,821 60 6,441 
Total consumer home equity1,293 6,888 10,162 21,953 57,885 95,406 1,614,561 13,840 1,821,988 
Current period gross charge-offs— — — — — 7 — — 7 
Other consumer
Current and accruing21,716 33,400 40,186 42,438 16,553 20,136 42,559 119 217,107 
30-89 days past due and accruing54 127 135 188 36 44 98 — 682 
Loans 90 days or more past due and still accruing— — — — — — — — — 
Non-accrual20 20 10 31 25 — 62 — 168 
Total other consumer21,790 33,547 40,331 42,657 16,614 20,180 42,719 119 217,957 
Current period gross charge-offs810 101 172 56 78 78 119 — 1,414 
Total$1,441,804 $2,460,255 $1,512,142 $1,732,725 $4,211,657 $9,072,691 $2,827,954 $22,173 $23,281,401 
(1)The amounts presented represent the amortized cost as of June 30, 2026 of revolving loans that were converted to term loans during the six months ended June 30, 2026.
Subsequent to December 31, 2025 and issuance of the 2025 10-K, the Company refined loan origination date information for certain acquired loans following system conversion. This refinement resulted in reclassification among origination year vintages, but did not affect total loans, credit quality classifications, the allowance for credit losses, or results of operations. The following table details the amortized cost balances of the Company’s loan portfolios, presented by credit quality indicator and origination year as of December 31, 2025, and reflects such reclassifications:
20252024202320222021PriorRevolving Loans
Revolving Loans Converted to Term Loans (1)
Total
(In thousands)
Commercial and industrial
Pass$835,431 $310,569 $296,116 $422,850 $378,622 $1,090,152 $792,359 $165 $4,126,264 
Special Mention948 2,399 6,716 133 1,314 2,795 12,990 — 27,295 
Substandard4,093 10,974 31,539 22,819 2,806 4,893 53,495 — 130,619 
Doubtful— — 9,628 — — 1,049 847 — 11,524 
Loss— — — — — — — — — 
Total commercial and industrial840,472 323,942 343,999 445,802 382,742 1,098,889 859,691 165 4,295,702 
Commercial real estate
Pass903,311 616,073 750,447 2,297,477 1,285,420 2,892,767 102,016 2,747 8,850,258 
Special Mention— 865 30,585 28,104 90,528 73,987 994 — 225,063 
Substandard14,027 — 54,833 85,591 13,408 65,778 — — 233,637 
Doubtful— — 20,852 55,698 2,381 26,472 — — 105,403 
Loss— — — — — — — — — 
Total commercial real estate917,338 616,938 856,717 2,466,870 1,391,737 3,059,004 103,010 2,747 9,414,361 
Commercial construction
Pass134,110 209,193 103,355 65,595 14,263 712 8,117 — 535,345 
Special Mention— 423 — 4,671 — — 1,033 — 6,127 
Substandard— — — 5,646 — — — — 5,646 
Doubtful— — — 14,888 — 1,479 — — 16,367 
Loss— — — — — — — — — 
Total commercial construction134,110 209,616 103,355 90,800 14,263 2,191 9,150 — 563,485 
Business banking
Pass182,967 175,785 139,676 180,091 210,893 549,839 114,235 5,762 1,559,248 
Special Mention— 5,505 1,444 820 4,453 3,298 165 264 15,949 
Substandard1,525 3,412 3,482 2,845 1,765 3,769 197 493 17,488 
Doubtful— — 412 352 28 3 196 18 1,009 
Loss— — — — — — — — — 
Total business banking184,492 184,702 145,014 184,108 217,139 556,909 114,793 6,537 1,593,694 
Residential real estate
Current and accruing433,413 239,268 394,753 1,242,550 1,323,273 1,544,328 — — 5,177,585 
30-89 days past due and accruing1,045 2,625 2,130 6,121 5,801 17,654 — — 35,376 
Loans 90 days or more past due and still accruing— — — — — — — — — 
Non-accrual184 — 721 5,686 1,948 10,680 — — 19,219 
Total residential real estate434,642 241,893 397,604 1,254,357 1,331,022 1,572,662 — — 5,232,180 
Consumer home equity
Current and accruing32,940 43,175 53,426 104,417 31,698 117,896 1,332,194 20,341 1,736,087 
30-89 days past due and accruing248 58 233 251 — 1,716 8,269 655 11,430 
Loans 90 days or more past due and still accruing— — — — — — — — — 
Non-accrual— — 95 — — 1,126 4,555 317 6,093 
Total consumer home equity33,188 43,233 53,754 104,668 31,698 120,738 1,345,018 21,313 1,753,610 
Other consumer
Current and accruing44,301 46,109 49,860 20,675 11,399 15,976 42,750 117 231,187 
30-89 days past due and accruing10 98 75 52 31 36 62 30 394 
Loans 90 days or more past due and still accruing— — — — — — — — — 
Non-accrual48 4 13 30 — 12 84 261 452 
Total other consumer44,359 46,211 49,948 20,757 11,430 16,024 42,896 408 232,033 
Total$2,588,601 $1,666,535 $1,950,391 $4,567,362 $3,380,031 $6,426,417 $2,474,558 $31,170 $23,085,065 
(1)The amounts presented represent the amortized cost as of December 31, 2025 of revolving loans that were converted to term loans during the year ended December 31, 2025.
Schedule of age analysis of past due loans
The following tables show the age analysis of past due loans as of the dates indicated:
As of June 30, 2026
30-59
Days Past
Due		60-89
Days Past
Due		90 or More
Days Past
Due		Total Past
Due		CurrentTotal
Loans
(In thousands)
Commercial and industrial$4,381 $— $3,134 $7,515 $4,664,508 $4,672,023 
Commercial real estate3,572 13,984 3,477 21,033 9,279,718 9,300,751 
Commercial construction— — — — 543,558 543,558 
Business banking8,830 4,268 9,101 22,199 1,531,758 1,553,957 
Residential real estate19,622 7,516 20,291 47,429 5,123,738 5,171,167 
Consumer home equity10,837 3,569 5,816 20,222 1,801,766 1,821,988 
Other consumer471 211 143 825 217,132 217,957 
Total$47,713 $29,548 $41,962 $119,223 $23,162,178 $23,281,401 
As of December 31, 2025
30-59
Days Past
Due		60-89
Days Past
Due		90 or More
Days Past
Due		Total Past
Due		CurrentTotal
Loans
(In thousands)
Commercial and industrial$5,368 $164 $1,591 $7,123 $4,288,579 $4,295,702 
Commercial real estate5,992 994 14,174 21,160 9,393,201 9,414,361 
Commercial construction— — 1,033 1,033 562,452 563,485 
Business banking16,673 3,530 8,994 29,197 1,564,497 1,593,694 
Residential real estate26,493 10,361 16,543 53,397 5,178,783 5,232,180 
Consumer home equity9,929 2,141 5,321 17,391 1,736,219 1,753,610 
Other consumer284 114 417 815 231,218 232,033 
Total$64,739 $17,304 $48,073 $130,116 $22,954,949 $23,085,065 
Schedule of pertaining to the breakdown of the Company's nonaccrual loans
The following table presents information regarding non-accrual loans as of the dates indicated:
As of June 30, 2026As of December 31, 2025
Non-Accrual Loans With ACL
Non-Accrual Loans Without ACL (1)
Total Non-Accrual LoansNon-Accrual Loans With ACL
Non-Accrual Loans Without ACL (1)
Total Non-Accrual Loans
(In thousands)
Commercial and industrial$271 $3,098 $3,369 $8,810 $3,284 $12,094 
Commercial real estate58,731 7,836 66,567 70,010 35,402 105,412 
Commercial construction— — — 17,400 — 17,400 
Business banking10,451 442 10,893 11,319 350 11,669 
Residential real estate21,943 — 21,943 19,219 — 19,219 
Consumer home equity6,441 — 6,441 6,093 — 6,093 
Other consumer168 — 168 452 — 452 
Total non-accrual loans$98,005 $11,376 $109,381 $133,303 $39,036 $172,339 
(1)The loans on non-accrual status and without an ACL, as of both June 30, 2026 and December 31, 2025, were primarily comprised of collateral dependent loans for which the fair value of the underlying loan collateral exceeded the loan carrying value.
Schedule of the modifications which occurred during the periods and the change in the recorded investment subsequent to the modifications occurring
The following table shows the amortized cost balance as of June 30, 2026 of loans modified during the three and six month periods then ended to borrowers experiencing financial difficulty by the type of concession granted:
Three Months Ended June 30, 2026Six Months Ended June 30, 2026
Amortized Cost Balance% of Total PortfolioAmortized Cost Balance% of Total Portfolio
(Dollars in thousands)
Interest Rate Reduction:
Business banking$— — %$76 0.00 %
Total interest rate reduction$— — %$76 0.00 %
Other-than-Insignificant Delay in Repayment:
Commercial and industrial$5,522 0.12 %$5,522 0.12 %
Business banking897 0.06 %3,416 0.22 %
Residential real estate470 0.01 %470 0.01 %
Consumer home equity— — %150 0.01 %
Total other-than-insignificant delay in repayment$6,889 0.03 %$9,558 0.04 %
Term Extension:
Commercial and industrial$2,203 0.05 %$2,203 0.05 %
Commercial real estate7,077 0.08 %21,062 0.23 %
Business banking265 0.02 %951 0.06 %
Residential real estate— — %132 0.00 %
Total term extension$9,545 0.04 %$24,348 0.10 %
Combination—Interest Rate Reduction & Other-than-Insignificant-Delay in Repayment:
Business banking$23 0.00 %$2,222 0.14 %
Total combination—interest rate reduction & other-than-insignificant delay in repayment$23 0.00 %$2,222 0.01 %
Combination—Interest Rate Reduction, Term Extension & Other-than-Insignificant Delay in Repayment:
Business banking$70 0.00 %$70 0.00 %
Total combination—interest rate reduction, term extension & other-than-insignificant delay in repayment$70 0.00 %$70 0.00 %
Total by portfolio segment
Commercial and industrial$7,725 0.17 %$7,725 0.17 %
Commercial real estate7,077 0.08 %21,062 0.23 %
Business banking1,255 0.08 %6,735 0.43 %
Residential real estate4700.01 %602 0.01 %
Consumer home equity— — %150 0.01 %
Total$16,527 0.07 %$36,274 0.16 %
The following table shows the amortized cost balance as of June 30, 2025 of loans modified during the three and six month periods then ended to borrowers experiencing financial difficulty by the type of concession granted:
Three Months Ended June 30, 2025Six Months Ended June 30, 2025
Amortized Cost Balance% of Total PortfolioAmortized Cost Balance% of Total Portfolio
(Dollars in thousands)
Interest Rate Reduction:
Business banking$— — %$37 0.00 %
Residential real estate122 0.00 %122 0.00 %
Consumer home equity72 0.00 %152 0.01 %
Total interest rate reduction$194 0.00 %$311 0.00 %
Other-than-Insignificant Delay in Repayment:
Business banking$1,263 0.09 %$1,384 0.10 %
Residential real estate364 0.01 %364 0.01 %
Consumer home equity150 0.01 %150 0.01 %
Total other-than-insignificant delay in repayment$1,777 0.01 %$1,898 0.01 %
Term Extension:
Commercial and industrial$— — %$2,682 0.07 %
Business banking3 0.00 %3 0.00 %
Total term extension$3 0.00 %$2,685 0.01 %
Combination—Term Extension & Other-than-Insignificant Delay in Repayment:
Commercial real estate$9,066 0.13 %$9,066 0.13 %
Business Banking— — %268 0.02 %
Total combination—term extension & other-than-insignificant delay in repayment$9,066 0.05 %$9,334 0.05 %
Total by portfolio segment
Commercial and industrial$— — %$2,682 0.07 %
Commercial real estate9,066 0.13 %9,066 0.13 %
Business banking1,266 0.09 %1,692 0.12 %
Residential real estate4860.01 %486 0.01 %
Consumer home equity222 0.02 %302 0.02 %
Total$11,040 0.06 %$14,228 0.08 %
The following tables describe the financial effect of the modifications made during the periods indicated to borrowers experiencing financial difficulty. Loans that were modified in more than one manner are included in each modification type corresponding to the types of modifications performed.
Three Months Ended June 30, 2026
Loan TypeFinancial Effect
Interest Rate Reduction
Business banking
Reduced weighted-average contractual interest rate from 12.5% to 7.8%.
Other-than-Insignificant Delay in Repayment
Commercial and industrial
Interest-only period of 6 months for one borrower. Principal deferred to the end of the loan life.
Business banking
Deferred a weighted average of 5 payments. For interest-only deferrals, interest accrued at the time of the modification was added to the end of the loan life.
Residential real estate
Deferred 6 principal and interest payments, which were added to the end of the loan life.
Term Extension
Commercial and industrial
Added a weighted-average of 4 months to the life of the loans, which reduced monthly payment amounts for the borrowers.
Commercial real estate
Added 4 months to the life of the loan, which reduced monthly payment amount for the borrower.
Business banking
Added a weighted average of 5 months to the life of the loans, which reduced monthly payment amounts for the borrowers.
Six Months Ended June 30, 2026
Loan TypeFinancial Effect
Interest Rate Reduction
Business banking
Reduced weighted-average contractual interest rate from 10.6% to 7.5%.
Other-than-Insignificant Delay in Repayment
Commercial and industrial
Interest-only period of 6 months. Principal deferred to the end of the loan life.
Business banking
Deferred a weighted average of 8 payments. The loans were re-amortized over an extended payment period, resulting in reduced monthly payment amounts for the borrowers.
Residential real estate
Deferred 6 principal and interest payments, which were added to the end of the loan life.
Consumer home equity
Deferred 9 principal and interest payments, which were added to the end of the loan life.
Term Extension
Commercial and industrial
Added a weighted-average of 4 months to the life of the loans, which reduced the monthly payment amounts for the borrowers.
Commercial real estate
Added a weighted-average of 4 months to the life of the loans, which reduced monthly payment amounts for the borrowers.
Business banking
Added a weighted average of 4 months to the life of the loans, which reduced monthly payment amounts for the borrowers.
Residential real estate
Added 6 months to the life of loan, which reduced the monthly payment amount for the borrower.
Three Months Ended June 30, 2025
Loan TypeFinancial Effect
Interest Rate Reduction
Residential real estate
Reduced contractual interest rate from 7.3% to 4.5%
Consumer home equity
Reduced contractual interest rate from 7.0% to 4.0%.
Other-than-Insignificant Delay in Repayment
Commercial real estate
Deferred 12 principal payments. The loan was re-amortized over an extended payment period resulting in reduced monthly payment amount for the borrower.
Business banking
Deferred a weighted average of 5 payments. The loans were re-amortized over extended payment periods resulting in reduced monthly payment amounts for the borrowers.
Residential real estate
Deferred 10 principal and interest payments which were added to the end of the loan life.
Consumer home equity
Deferred 8 principal and interest payments which were added to the end of the loan life.
Term Extension
Commercial real estate
Added 1.0 year to the life of the loan, which reduced the monthly payment amount for the borrower.
Business banking
Added 6 months to the life of loan, which reduced the monthly payment amount for the borrower.
Six Months Ended June 30, 2025
Loan TypeFinancial Effect
Interest Rate Reduction
Business banking
Reduced contractual interest rate from 7.8% to 6.0%.
Residential real estate
Reduced contractual interest rate from 7.3% to 4.5%.
Consumer home equity
Reduced weighted-average contractual interest rate from 7.0% to 4.5%.
Other-than-Insignificant Delay in Repayment
Commercial real estate
Deferred 12 principal payments. The loan was re-amortized over an extended payment period resulting in reduced monthly payment amount for the borrower.
Business banking
Deferred a weighted average of 5 payments. The loans were re-amortized over extended payment periods resulting in reduced monthly payment amounts for the borrowers.
Residential real estate
Deferred 10 principal and interest payments which were added to the end of the loan life.
Consumer home equity
Deferred 8 principal and interest payments which were added to the end of the loan life.
Term Extension
Commercial industrial
Added 1.1 years to the life of the loan, which reduced the monthly payment amount for the borrower.
Commercial real estate
Added 1.0 year to the life of the loan, which reduced the monthly payment amount for the borrower.
Business banking
Added a weighted-average of 8 months to the life of loans, which reduced monthly payment amounts for the borrowers.
Schedule of the age analysis of past due loans to borrowers experiencing financial difficulty The following table shows the age analysis of past due loans to borrowers experiencing financial difficulty that were modified during the prior twelve months as of the dates indicated:
As of June 30, 2026
30-59
Days Past
Due		60-89
Days Past
Due		90 or More
Days Past
Due		Total Past
Due		CurrentTotal
(In thousands)
Commercial and industrial$— $— $— $— $8,706 $8,706 
Commercial real estate— 13,984 — 13,984 40,330 54,314 
Business banking239 — 506 745 7,765 8,510 
Residential real estate— — — — 1,186 1,186 
Consumer home equity— — 148 148 421 569 
Total$239 $13,984 $654 $14,877 $58,408 $73,285 
As of June 30, 2025
30-59
Days Past
Due		60-89
Days Past
Due		90 or More
Days Past
Due		Total Past
Due		CurrentTotal
(In thousands)
Commercial and industrial$— $— $— $— $3,547 $3,547 
Commercial real estate— — — — 9,066 9,066 
Business banking196 52 40 288 2,152 2,440 
Residential real estate— 95 450 545 1,131 1,676 
Consumer home equity149 — — 149 1,057 1,206 
Total$345 $147 $490 $982 $16,953 $17,935 
Schedule of the Company's loan participations
The following table summarizes the Company’s loan participations:
As of and for the Six Months Ended June 30, 2026As of and for the Year Ended December 31, 2025
BalanceNon-performing
Loan Rate
(%)		Gross
Charge-offs		BalanceNon-performing
Loan Rate
(%)		Gross
Charge-offs
(Dollars in thousands)
Commercial and industrial$1,829,088 0.17 %$6,500 $1,504,012 0.64 %$5,004 
Commercial real estate1,109,079 1.91 %3,500 1,611,130 1.84 %5,282 
Commercial construction98,276 0.00 %— 190,156 8.61 %— 
Business banking— — %— 1,072 0.00 %15 
Total loan participations$3,036,443 0.80 %$10,000 $3,306,370 1.68 %$10,301