LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)
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6 Months Ended |
Jun. 30, 2026 |
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| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
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| Schedule of segments of the company's loan portfolio |
| | | | | | | | | June 30, | | December 31, | (000’s omitted) | | 2026 | | 2025 | CRE – multifamily | | $ | 951,856 | | $ | 917,586 | CRE – owner occupied | | | 892,342 | | | 871,801 | CRE – non-owner occupied | | | 1,848,158 | | | 1,670,451 | Commercial & industrial and other business loans | | | 1,348,263 | | | 1,274,029 | Consumer mortgage | | | 3,629,301 | | | 3,617,186 | Consumer indirect | | | 1,871,343 | | | 1,859,354 | Consumer direct | | | 202,387 | | | 205,595 | Home equity | | | 539,174 | | | 533,755 | Gross loans, including deferred origination costs | | | 11,282,824 | | | 10,949,757 | Allowance for credit losses | | | (91,696) | | | (87,921) | Loans, net of allowance for credit losses | | $ | 11,191,128 | | $ | 10,861,836 |
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| Schedule of aging of the amortized cost basis |
| | | | | | | | | | | | | | | | | | | | | Past Due | | 90+ Days Past | | | | | | | | | | | | | (000’s omitted) | | 30 – 89 | | Due and | | | | | Total | | | | | | | June 30, 2026 | | Days | | Still Accruing | | Nonaccrual | | Past Due | | Current | | Total Loans | CRE – multifamily | | $ | 333 | | $ | 0 | | $ | 437 | | $ | 770 | | $ | 951,086 | | $ | 951,856 | CRE – owner occupied | | | 2,171 | | | 0 | | | 4,286 | | | 6,457 | | | 885,885 | | | 892,342 | CRE – non-owner occupied | | | 587 | | | 0 | | | 1,795 | | | 2,382 | | | 1,845,776 | | | 1,848,158 | Commercial & industrial and other business loans | | | 2,993 | | | 0 | | | 11,109 | | | 14,102 | | | 1,334,161 | | | 1,348,263 | Consumer mortgage | | | 30,620 | | | 4,917 | | | 29,590 | | | 65,127 | | | 3,564,174 | | | 3,629,301 | Consumer indirect | | | 19,459 | | | 859 | | | 0 | | | 20,318 | | | 1,851,025 | | | 1,871,343 | Consumer direct | | | 1,839 | | | 153 | | | 0 | | | 1,992 | | | 200,395 | | | 202,387 | Home equity | | | 3,080 | | | 1,183 | | | 2,473 | | | 6,736 | | | 532,438 | | | 539,174 | Total | | $ | 61,082 | | $ | 7,112 | | $ | 49,690 | | $ | 117,884 | | $ | 11,164,940 | | $ | 11,282,824 |
| | | | | | | | | | | | | | | | | | | | | Past Due | | 90+ Days Past | | | | | | | | | | | | | (000’s omitted) | | 30 – 89 | | Due and | | | | | Total | | | | | | | December 31, 2025 | | Days | | Still Accruing | | Nonaccrual | | Past Due | | Current | | Total Loans | CRE – multifamily | | $ | 861 | | $ | 0 | | $ | 437 | | $ | 1,298 | | $ | 916,288 | | $ | 917,586 | CRE – owner occupied | | | 1,050 | | | 0 | | | 6,687 | | | 7,737 | | | 864,064 | | | 871,801 | CRE – non-owner occupied | | | 399 | | | 0 | | | 87 | | | 486 | | | 1,669,965 | | | 1,670,451 | Commercial & industrial and other business loans | | | 3,372 | | | 0 | | | 12,533 | | | 15,905 | | | 1,258,124 | | | 1,274,029 | Consumer mortgage | | | 28,206 | | | 4,497 | | | 27,686 | | | 60,389 | | | 3,556,797 | | | 3,617,186 | Consumer indirect | | | 24,052 | | | 1,052 | | | 0 | | | 25,104 | | | 1,834,250 | | | 1,859,354 | Consumer direct | | | 2,123 | | | 393 | | | 0 | | | 2,516 | | | 203,079 | | | 205,595 | Home equity | | | 3,861 | | | 1,006 | | | 2,079 | | | 6,946 | | | 526,809 | | | 533,755 | Total | | $ | 63,924 | | $ | 6,948 | | $ | 49,509 | | $ | 120,381 | | $ | 10,829,376 | | $ | 10,949,757 |
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| Schedule of individually assessed loans |
| | | | | | | | | | | | | | | | | | | | | June 30, 2026 | | December 31, 2025 | | | | | | | Specifically | | | | | | Specifically | | | Carrying | | Contractual | | Allocated | | Carrying | | Contractual | | Allocated | (000’s omitted) | | Balance | | Balance | | Allowance | | Balance | | Balance | | Allowance | Loans with allowance allocation: | | | | | | | | | | | | | | | | | | | CRE – non-owner occupied | | $ | 1,607 | | $ | 1,607 | | $ | 782 | | $ | 0 | | $ | 0 | | $ | 0 | Commercial & industrial and other business loans | | | 4,258 | | | 4,269 | | | 3,264 | | | 3,669 | | | 4,000 | | | 1,403 | Total | | $ | 5,865 | | $ | 5,876 | | $ | 4,046 | | $ | 3,669 | | $ | 4,000 | | $ | 1,403 | | | | | | | | | | | | | | | | | | | | Loans without allowance allocation: | | | | | | | | | | | | | | | | | | | CRE – owner occupied | | $ | 3,968 | | $ | 4,366 | | $ | 0 | | $ | 6,369 | | $ | 6,735 | | $ | 0 | Commercial & industrial and other business loans | | | 5,412 | | | 8,640 | | | 0 | | | 7,686 | | | 10,345 | | | 0 | Total | | $ | 9,380 | | $ | 13,006 | | $ | 0 | | $ | 14,055 | | $ | 17,080 | | $ | 0 |
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| Schedule of amortized cost basis of each class of financing receivable |
| | | | | | | | | | | | Amortized Cost | | | | | | | | | | Combination - | | | | | | | | | | Other Payment | | Total Class of | | | | Term | | | Delay and Term | | Financing | | | | Extension | | | Extension | | Receivable | | Three Months Ended June 30, 2026 | | | | | | | | | | CRE - non-owner occupied | | $ | 0 | | $ | 5,432 | | 0.29 | % | Consumer mortgage | | | 267 | | | 0 | | 0.01 | % | Total | | $ | 267 | | $ | 5,432 | | 0.05 | % | | | | | | | | | | | Three Months Ended June 30, 2025 | | | | | | | | | | Commercial & industrial and other business loans | | $ | 5,716 | | $ | 0 | | 0.46 | % | Total | | $ | 5,716 | | $ | 0 | | 0.05 | % |
| | | | | | | | | | | | Amortized Cost | | | | | | | | | | Combination - | | | | | | | | | | Other Payment | | Total Class of | | | | Term | | | Delay and Term | | Financing | | | | Extension | | | Extension | | Receivable | | Six months ended June 30, 2026 | | | | | | | | | | CRE - non-owner occupied | | $ | 0 | | $ | 5,432 | | 0.29 | % | Consumer mortgage | | | 267 | | | 0 | | 0.01 | % | Total | | $ | 267 | | $ | 5,432 | | 0.05 | % | | | | | | | | | | | Six months ended June 30, 2025 | | | | | | | | | | Commercial & industrial and other business loans | | $ | 5,716 | | $ | 0 | | 0.46 | % | Consumer mortgage | | | 449 | | | 0 | | 0.01 | % | Total | | $ | 6,165 | | $ | 0 | | 0.06 | % |
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| Schedule of performance of modified loans |
| | | | | | | | | | | | | | | | | | June 30, 2026 | | | | | | | | | 90+ Days Past | | | | | | | | | | | Past Due 30 – | | Due and Still | | | | | (000's omitted) | | Current | | 89 Days | | Accruing | | Non-Accrual | | Total | CRE - non-owner occupied | | $ | 5,432 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 5,432 | Consumer mortgage | | | 51 | | | 0 | | | 0 | | | 335 | | | 386 | Total | | $ | 5,483 | | $ | 0 | | $ | 0 | | $ | 335 | | $ | 5,818 |
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| Schedule of finance receivable modified past due |
| | | | | Weighted-Average Term Extension | | | (Years) | Three months ended June 30, 2026 | | | CRE - non-owner occupied | | 2.0 | Consumer mortgage | | 8.0 | Total | | 2.3 | | | | Six months ended June 30, 2026 | | | CRE - non-owner occupied | | 2.0 | Consumer mortgage | | 8.0 | Total | | 2.3 |
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| Schedule of allowance for loan losses by class |
| | | | | | | | | | | | | | | | | | Three Months Ended June 30, 2026 | | | Beginning | | Charge- | | | | | | | | Ending | (000’s omitted) | | balance | | offs | | Recoveries | | Provision | | balance | Business lending | | $ | 49,952 | | $ | (1,101) | | $ | 213 | | $ | 1,891 | | $ | 50,955 | Consumer mortgage | | | 12,583 | | | (45) | | | 0 | | | 80 | | | 12,618 | Consumer indirect | | | 20,690 | | | (3,190) | | | 2,076 | | | 1,008 | | | 20,584 | Consumer direct(1) | | | 4,456 | | | (1,896) | | | 678 | | | 1,701 | | | 4,939 | Home equity | | | 1,512 | | | (32) | | | 0 | | | 120 | | | 1,600 | Unallocated | | | 1,000 | | | 0 | | | 0 | | | 0 | | | 1,000 | Allowance for credit losses – loans | | | 90,193 | | | (6,264) | | | 2,967 | | | 4,800 | | | 91,696 | Liability for off-balance sheet credit exposures | | | 1,453 | | | 0 | | | 0 | | | (193) | | | 1,260 | Total allowance for credit losses and liability for off-balance sheet credit exposures | | $ | 91,646 | | $ | (6,264) | | $ | 2,967 | | $ | 4,607 | | $ | 92,956 |
| (1) | Includes overdraft charge-offs and recoveries. |
| | | | | | | | | | | | | | | | | | Three Months Ended June 30, 2025 | | | Beginning | | Charge- | | | | | | | | Ending | (000’s omitted) | | balance | | offs | | Recoveries | | Provision | | balance | Business lending | | $ | 42,988 | | $ | (4,897) | | $ | 350 | | $ | 2,713 | | $ | 41,154 | Consumer mortgage | | | 13,679 | | | (18) | | | 5 | | | 530 | | | 14,196 | Consumer indirect | | | 19,746 | | | (2,620) | | | 2,414 | | | 345 | | | 19,885 | Consumer direct | | | 4,033 | | | (657) | | | 324 | | | 433 | | | 4,133 | Home equity | | | 1,394 | | | (16) | | | 1 | | | 104 | | | 1,483 | Unallocated | | | 1,000 | | | 0 | | | 0 | | | 0 | | | 1,000 | Allowance for credit losses – loans | | | 82,840 | | | (8,208) | | | 3,094 | | | 4,125 | | | 81,851 | Liability for off-balance sheet credit exposures | | | 867 | | | 0 | | | 0 | | | (8) | | | 859 | Total allowance for credit losses and liability for off-balance sheet credit exposures | | $ | 83,707 | | $ | (8,208) | | $ | 3,094 | | $ | 4,117 | | $ | 82,710 |
| | | | | | | | | | | | | | | | | | | | | Six Months Ended June 30, 2026 | | | | | | | | | | | | Acquisition | | | | | | | | | Beginning | | Charge- | | | | | Allowance | | | | | Ending | (000’s omitted) | | balance | | offs | | Recoveries | | Adjustment | | Provision | | balance | Business lending | | $ | 46,155 | | $ | (1,456) | | $ | 379 | | $ | 4 | | $ | 5,873 | | $ | 50,955 | Consumer mortgage | | | 14,005 | | | (94) | | | 2 | | | 3 | | | (1,298) | | | 12,618 | Consumer indirect | | | 20,914 | | | (6,647) | | | 4,307 | | | 0 | | | 2,010 | | | 20,584 | Consumer direct(1) | | | 4,257 | | | (4,131) | | | 1,412 | | | 0 | | | 3,401 | | | 4,939 | Home equity | | | 1,590 | | | (41) | | | 0 | | | (21) | | | 72 | | | 1,600 | Unallocated | | | 1,000 | | | 0 | | | 0 | | | 0 | | | 0 | | | 1,000 | Allowance for credit losses – loans | | | 87,921 | | | (12,369) | | | 6,100 | | | (14) | | | 10,058 | | | 91,696 | Liability for off-balance sheet credit exposures | | | 1,075 | | | 0 | | | 0 | | | 0 | | | 185 | | | 1,260 | Total allowance for credit losses and liability for off-balance sheet credit exposures | | $ | 88,996 | | $ | (12,369) | | $ | 6,100 | | $ | (14) | | $ | 10,243 | | $ | 92,956 |
| (1) | Includes overdraft charge-offs and recoveries. |
| | | | | | | | | | | | | | | | | | Six Months Ended June 30, 2025 | | | Beginning | | Charge- | | | | | | | | Ending | (000’s omitted) | | balance | | offs | | Recoveries | | Provision | | balance | Business lending | | $ | 37,201 | | $ | (5,620) | | $ | 449 | | $ | 9,124 | | $ | 41,154 | Consumer mortgage | | | 15,017 | | | (23) | | | 11 | | | (809) | | | 14,196 | Consumer indirect | | | 20,895 | | | (6,585) | | | 4,108 | | | 1,467 | | | 19,885 | Consumer direct | | | 3,453 | | | (1,217) | | | 556 | | | 1,341 | | | 4,133 | Home equity | | | 1,548 | | | (23) | | | 1 | | | (43) | | | 1,483 | Unallocated | | | 1,000 | | | 0 | | | 0 | | | 0 | | | 1,000 | Allowance for credit losses – loans | | | 79,114 | | | (13,468) | | | 5,125 | | | 11,080 | | | 81,851 | Liability for off-balance sheet credit exposures | | | 1,132 | | | 0 | | | 0 | | | (273) | | | 859 | Total allowance for credit losses and liability for off-balance sheet credit exposures | | $ | 80,246 | | $ | (13,468) | | $ | 5,125 | | $ | 10,807 | | $ | 82,710 |
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| Business lending |
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| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
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| Schedule of loans by credit quality indicator |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | Revolving | | | | | | | | | | | | | | | | | | | | | | | | Loans | | Loans | | | | (000’s omitted) | | Term Loans Amortized Cost Basis by Origination Year | | Amortized | | Converted | | | | June 30, 2026 | | 2026 | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 & Prior | | Cost Basis | | to Term | | Total | CRE – multifamily: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Risk rating | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 28,917 | | $ | 146,543 | | $ | 10,540 | | $ | 88,803 | | $ | 127,902 | | $ | 155,335 | | $ | 153,482 | | $ | 201,261 | | $ | 912,783 | Special mention | | | 0 | | | 0 | | | 0 | | | 0 | | | 3,559 | | | 9,056 | | | 0 | | | 1,076 | | | 13,691 | Substandard | | | 0 | | | 0 | | | 0 | | | 8,805 | | | 0 | | | 13,588 | | | 97 | | | 2,892 | | | 25,382 | Doubtful | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | Total CRE – multifamily | | $ | 28,917 | | $ | 146,543 | | $ | 10,540 | | $ | 97,608 | | $ | 131,461 | | $ | 177,979 | | $ | 153,579 | | $ | 205,229 | | $ | 951,856 | Current period gross charge-offs(1) | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | CRE – owner occupied: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Risk rating | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 62,090 | | $ | 98,070 | | $ | 82,212 | | $ | 34,915 | | $ | 55,518 | | $ | 253,112 | | $ | 56,778 | | $ | 200,099 | | $ | 842,794 | Special mention | | | 3,133 | | | 1,298 | | | 1,043 | | | 4,678 | | | 3,562 | | | 2,959 | | | 470 | | | 11,996 | | | 29,139 | Substandard | | | 0 | | | 1,562 | | | 1,783 | | | 0 | | | 4,662 | | | 9,948 | | | 316 | | | 2,138 | | | 20,409 | Doubtful | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | Total CRE – owner occupied | | $ | 65,223 | | $ | 100,930 | | $ | 85,038 | | $ | 39,593 | | $ | 63,742 | | $ | 266,019 | | $ | 57,564 | | $ | 214,233 | | $ | 892,342 | Current period gross charge-offs(1) | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 134 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 134 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | CRE – non-owner occupied: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Risk rating | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 177,019 | | $ | 173,575 | | $ | 66,630 | | $ | 73,904 | | $ | 174,673 | | $ | 372,123 | | $ | 429,740 | | $ | 217,234 | | $ | 1,684,898 | Special mention | | | 0 | | | 0 | | | 1,395 | | | 8,421 | | | 2,087 | | | 23,082 | | | 14,790 | | | 24,798 | | | 74,573 | Substandard | | | 0 | | | 0 | | | 79 | | | 9,398 | | | 46,175 | | | 10,877 | | | 5,460 | | | 15,910 | | | 87,899 | Doubtful | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 788 | | | 0 | | | 0 | | | 788 | Total CRE – non-owner occupied | | $ | 177,019 | | $ | 173,575 | | $ | 68,104 | | $ | 91,723 | | $ | 222,935 | | $ | 406,870 | | $ | 449,990 | | $ | 257,942 | | $ | 1,848,158 | Current period gross charge-offs(1) | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial & industrial and other business loans: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Risk rating | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 120,323 | | $ | 200,667 | | $ | 128,243 | | $ | 42,499 | | $ | 45,544 | | $ | 107,244 | | $ | 516,855 | | $ | 94,288 | | $ | 1,255,663 | Special mention | | | 3,715 | | | 1,530 | | | 6,600 | | | 1,012 | | | 2,242 | | | 1,255 | | | 24,316 | | | 6,674 | | | 47,344 | Substandard | | | 36 | | | 2,045 | | | 3,204 | | | 2,133 | | | 2,662 | | | 6,206 | | | 21,101 | | | 4,611 | | | 41,998 | Doubtful | | | 0 | | | 1,532 | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 1,726 | | | 3,258 | Total commercial & industrial and other business loans | | $ | 124,074 | | $ | 205,774 | | $ | 138,047 | | $ | 45,644 | | $ | 50,448 | | $ | 114,705 | | $ | 562,272 | | $ | 107,299 | | $ | 1,348,263 | Current period gross charge-offs(1) | | $ | 0 | | $ | 0 | | $ | 777 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 243 | | $ | 302 | | $ | 1,322 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total business lending: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Risk rating | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 388,349 | | $ | 618,855 | | $ | 287,625 | | $ | 240,121 | | $ | 403,637 | | $ | 887,814 | | $ | 1,156,855 | | $ | 712,882 | | $ | 4,696,138 | Special mention | | | 6,848 | | | 2,828 | | | 9,038 | | | 14,111 | | | 11,450 | | | 36,352 | | | 39,576 | | | 44,544 | | | 164,747 | Substandard | | | 36 | | | 3,607 | | | 5,066 | | | 20,336 | | | 53,499 | | | 40,619 | | | 26,974 | | | 25,551 | | | 175,688 | Doubtful | | | 0 | | | 1,532 | | | 0 | | | 0 | | | 0 | | | 788 | | | 0 | | | 1,726 | | | 4,046 | Total business lending | | $ | 395,233 | | $ | 626,822 | | $ | 301,729 | | $ | 274,568 | | $ | 468,586 | | $ | 965,573 | | $ | 1,223,405 | | $ | 784,703 | | $ | 5,040,619 | Current period gross charge-offs(1) | | $ | 0 | | $ | 0 | | $ | 777 | | $ | 134 | | $ | 0 | | $ | 0 | | $ | 243 | | $ | 302 | | $ | 1,456 |
(1)For the six months ended June 30, 2026. | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | Revolving | | | | | | | | | | | | | | | | | | | | | | | | Loans | | Loans | | | | (000’s omitted) | | Term Loans Amortized Cost Basis by Origination Year | | Amortized | | Converted | | | | December 31, 2025 | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | 2020 & Prior | | Cost Basis | | to Term | | Total | CRE – multifamily: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Risk rating | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 138,662 | | $ | 13,544 | | $ | 90,834 | | $ | 125,581 | | $ | 38,245 | | $ | 130,435 | | $ | 131,129 | | $ | 173,234 | | $ | 841,664 | Special mention | | | 0 | | | 0 | | | 8,522 | | | 9,317 | | | 9,019 | | | 5,089 | | | 4,979 | | | 24,825 | | | 61,751 | Substandard | | | 0 | | | 0 | | | 0 | | | 387 | | | 1,084 | | | 8,109 | | | 1,647 | | | 2,944 | | | 14,171 | Doubtful | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | Total CRE – multifamily | | $ | 138,662 | | $ | 13,544 | | $ | 99,356 | | $ | 135,285 | | $ | 48,348 | | $ | 143,633 | | $ | 137,755 | | $ | 201,003 | | $ | 917,586 | Current period gross charge-offs(1) | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 19 | | $ | 82 | | $ | 428 | | $ | 0 | | $ | 529 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | CRE – owner occupied: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Risk rating | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 119,369 | | $ | 87,429 | | $ | 39,911 | | $ | 60,476 | | $ | 47,869 | | $ | 228,439 | | $ | 20,295 | | $ | 192,919 | | $ | 796,707 | Special mention | | | 1,310 | | | 6,357 | | | 3,082 | | | 751 | | | 0 | | | 4,995 | | | 339 | | | 28,113 | | | 44,947 | Substandard | | | 1,449 | | | 1,571 | | | 1,024 | | | 7,066 | | | 3,073 | | | 9,895 | | | 337 | | | 5,732 | | | 30,147 | Doubtful | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | Total CRE – owner occupied | | $ | 122,128 | | $ | 95,357 | | $ | 44,017 | | $ | 68,293 | | $ | 50,942 | | $ | 243,329 | | $ | 20,971 | | $ | 226,764 | | $ | 871,801 | Current period gross charge-offs(1) | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 47 | | $ | 0 | | $ | 9 | | $ | 0 | | $ | 0 | | $ | 56 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | CRE – non-owner occupied: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Risk rating | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 182,535 | | $ | 67,569 | | $ | 97,829 | | $ | 189,423 | | $ | 97,178 | | $ | 311,706 | | $ | 351,501 | | $ | 218,249 | | $ | 1,515,990 | Special mention | | | 3,067 | | | 1,407 | | | 4,748 | | | 0 | | | 2,593 | | | 19,642 | | | 19,024 | | | 24,679 | | | 75,160 | Substandard | | | 0 | | | 86 | | | 7,958 | | | 45,008 | | | 1,621 | | | 6,319 | | | 6,292 | | | 12,017 | | | 79,301 | Doubtful | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | Total CRE – non-owner occupied | | $ | 185,602 | | $ | 69,062 | | $ | 110,535 | | $ | 234,431 | | $ | 101,392 | | $ | 337,667 | | $ | 376,817 | | $ | 254,945 | | $ | 1,670,451 | Current period gross charge-offs(1) | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 1,111 | | $ | 0 | | $ | 0 | | $ | 3,198 | | $ | 4,309 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial & industrial and other business loans: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Risk rating | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 244,969 | | $ | 149,911 | | $ | 48,679 | | $ | 59,557 | | $ | 47,301 | | $ | 86,492 | | $ | 441,487 | | $ | 85,982 | | $ | 1,164,378 | Special mention | | | 2,175 | | | 10,772 | | | 1,289 | | | 2,810 | | | 1,342 | | | 860 | | | 35,197 | | | 8,109 | | | 62,554 | Substandard | | | 3,223 | | | 2,348 | | | 4,420 | | | 3,236 | | | 2,091 | | | 5,176 | | | 21,029 | | | 3,996 | | | 45,519 | Doubtful | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 1,578 | | | 0 | | | 1,578 | Total commercial & industrial and other business loans | | $ | 250,367 | | $ | 163,031 | | $ | 54,388 | | $ | 65,603 | | $ | 50,734 | | $ | 92,528 | | $ | 499,291 | | $ | 98,087 | | $ | 1,274,029 | Current period gross charge-offs(1) | | $ | 0 | | $ | 0 | | $ | 235 | | $ | 209 | | $ | 150 | | $ | 50 | | $ | 303 | | $ | 1,293 | | $ | 2,240 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Total business lending: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Risk rating | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 685,535 | | $ | 318,453 | | $ | 277,253 | | $ | 435,037 | | $ | 230,593 | | $ | 757,072 | | $ | 944,412 | | $ | 670,384 | | $ | 4,318,739 | Special mention | | | 6,552 | | | 18,536 | | | 17,641 | | | 12,878 | | | 12,954 | | | 30,586 | | | 59,539 | | | 85,726 | | | 244,412 | Substandard | | | 4,672 | | | 4,005 | | | 13,402 | | | 55,697 | | | 7,869 | | | 29,499 | | | 29,305 | | | 24,689 | | | 169,138 | Doubtful | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 0 | | | 1,578 | | | 0 | | | 1,578 | Total business lending | | $ | 696,759 | | $ | 340,994 | | $ | 308,296 | | $ | 503,612 | | $ | 251,416 | | $ | 817,157 | | $ | 1,034,834 | | $ | 780,799 | | $ | 4,733,867 | Current period gross charge-offs(1) | | $ | 0 | | $ | 0 | | $ | 235 | | $ | 256 | | $ | 1,280 | | $ | 141 | | $ | 731 | | $ | 4,491 | | $ | 7,134 |
(1)For the year ended December 31, 2025.
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| All Other Loans |
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| LOANS AND ALLOWANCE FOR CREDIT LOSSES |
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| Schedule of loans by credit quality indicator |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | Revolving | | | | | | | | | | | | | | | | | | | | | | | | Loans | | Loans | | | | (000’s omitted) | | Term Loans Amortized Cost Basis by Origination Year | | Amortized | | Converted | | | | June 30, 2026 | | 2026 | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 & Prior | | Cost Basis | | to Term | | Total | Consumer mortgage: | | | | | | | | | | | | | | | | | | | | | | | | | | | | FICO AB(1) | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | $ | 110,051 | | $ | 270,214 | | $ | 266,555 | | $ | 286,536 | | $ | 284,958 | | $ | 1,056,651 | | $ | 24,210 | | $ | 162,648 | | $ | 2,461,823 | Nonperforming | | | 0 | | | 0 | | | 848 | | | 1,353 | | | 705 | | | 3,666 | | | 0 | | | 191 | | | 6,763 | Total FICO AB | | | 110,051 | | | 270,214 | | | 267,403 | | | 287,889 | | | 285,663 | | | 1,060,317 | | | 24,210 | | | 162,839 | | | 2,468,586 | FICO CDE(2) | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | | 52,655 | | | 125,218 | | | 137,644 | | | 121,927 | | | 119,595 | | | 507,259 | | | 7,996 | | | 60,677 | | | 1,132,971 | Nonperforming | | | 0 | | | 704 | | | 3,730 | | | 3,971 | | | 5,361 | | | 12,743 | | | 152 | | | 1,083 | | | 27,744 | Total FICO CDE | | | 52,655 | | | 125,922 | | | 141,374 | | | 125,898 | | | 124,956 | | | 520,002 | | | 8,148 | | | 61,760 | | | 1,160,715 | Total consumer mortgage | | $ | 162,706 | | $ | 396,136 | | $ | 408,777 | | $ | 413,787 | | $ | 410,619 | | $ | 1,580,319 | | $ | 32,358 | | $ | 224,599 | | $ | 3,629,301 | Current period gross charge-offs(3) | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 94 | | $ | 0 | | $ | 0 | | $ | 94 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Consumer indirect: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | $ | 396,772 | | $ | 650,588 | | $ | 363,254 | | $ | 236,079 | | $ | 153,238 | | $ | 70,553 | | $ | 0 | | $ | 0 | | $ | 1,870,484 | Nonperforming | | | 0 | | | 242 | | | 170 | | | 170 | | | 205 | | | 72 | | | 0 | | | 0 | | | 859 | Total consumer indirect | | $ | 396,772 | | $ | 650,830 | | $ | 363,424 | | $ | 236,249 | | $ | 153,443 | | $ | 70,625 | | $ | 0 | | $ | 0 | | $ | 1,871,343 | Current period gross charge-offs(3) | | $ | 230 | | $ | 1,386 | | $ | 1,770 | | $ | 1,398 | | $ | 1,163 | | $ | 700 | | $ | 0 | | $ | 0 | | $ | 6,647 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Consumer direct: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | $ | 51,859 | | $ | 65,632 | | $ | 39,728 | | $ | 20,860 | | $ | 9,478 | | $ | 7,581 | | $ | 7,045 | | $ | 51 | | $ | 202,234 | Nonperforming | | | 0 | | | 43 | | | 7 | | | 8 | | | 0 | | | 58 | | | 37 | | | 0 | | | 153 | Total consumer direct | | $ | 51,859 | | $ | 65,675 | | $ | 39,735 | | $ | 20,868 | | $ | 9,478 | | $ | 7,639 | | $ | 7,082 | | $ | 51 | | $ | 202,387 | Current period gross charge-offs(3)(4) | | $ | 21 | | $ | 542 | | $ | 531 | | $ | 206 | | $ | 166 | | $ | 482 | | $ | 2,183 | | $ | 0 | | $ | 4,131 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Home equity: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | $ | 21,812 | | $ | 60,221 | | $ | 56,276 | | $ | 40,122 | | $ | 42,455 | | $ | 100,139 | | $ | 186,525 | | $ | 27,968 | | $ | 535,518 | Nonperforming | | | 0 | | | 47 | | | 538 | | | 722 | | | 482 | | | 761 | | | 928 | | | 178 | | | 3,656 | Total home equity | | $ | 21,812 | | $ | 60,268 | | $ | 56,814 | | $ | 40,844 | | $ | 42,937 | | $ | 100,900 | | $ | 187,453 | | $ | 28,146 | | $ | 539,174 | Current period gross charge-offs(3) | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 27 | | $ | 0 | | $ | 3 | | $ | 11 | | $ | 0 | | $ | 41 |
(1)FICO AB refers to higher tiered loans with FICO scores greater than or equal to 720. (2)FICO CDE refers to loans with FICO scores less than 720 and potentially higher risk. (3)For the six months ended June 30, 2026. (4)Includes overdraft gross charge-offs. | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Revolving | | Revolving | | | | | | | | | | | | | | | | | | | | | | | | Loans | | Loans | | | | (000’s omitted) | | Term Loans Amortized Cost Basis by Origination Year | | Amortized | | Converted | | | | December 31, 2025 | | 2025 | | 2024 | | 2023 | | 2022 | | 2021 | | 2020 & Prior | | Cost Basis | | to Term | | Total | Consumer mortgage: | | | | | | | | | | | | | | | | | | | | | | | | | | | | FICO AB(1) | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | $ | 293,599 | | $ | 279,289 | | $ | 302,498 | | $ | 298,302 | | $ | 382,256 | | $ | 736,261 | | $ | 22,665 | | $ | 148,004 | | $ | 2,462,874 | Nonperforming | | | 0 | | | 572 | | | 981 | | | 718 | | | 875 | | | 2,872 | | | 0 | | | 0 | | | 6,018 | Total FICO AB | | | 293,599 | | | 279,861 | | | 303,479 | | | 299,020 | | | 383,131 | | | 739,133 | | | 22,665 | | | 148,004 | | | 2,468,892 | FICO CDE(2) | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | | 117,026 | | | 141,528 | | | 127,586 | | | 126,599 | | | 140,660 | | | 400,453 | | | 14,422 | | | 53,855 | | | 1,122,129 | Nonperforming | | | 0 | | | 3,845 | | | 3,626 | | | 4,325 | | | 1,546 | | | 11,964 | | | 0 | | | 859 | | | 26,165 | Total FICO CDE | | | 117,026 | | | 145,373 | | | 131,212 | | | 130,924 | | | 142,206 | | | 412,417 | | | 14,422 | | | 54,714 | | | 1,148,294 | Total consumer mortgage | | $ | 410,625 | | $ | 425,234 | | $ | 434,691 | | $ | 429,944 | | $ | 525,337 | | $ | 1,151,550 | | $ | 37,087 | | $ | 202,718 | | $ | 3,617,186 | Current period gross charge-offs(3) | | $ | 0 | | $ | 0 | | $ | 21 | | $ | 5 | | $ | 0 | | $ | 30 | | $ | 0 | | $ | 0 | | $ | 56 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Consumer indirect: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | $ | 760,499 | | $ | 458,410 | | $ | 312,256 | | $ | 217,772 | | $ | 69,818 | | $ | 39,547 | | $ | 0 | | $ | 0 | | $ | 1,858,302 | Nonperforming | | | 101 | | | 279 | | | 236 | | | 223 | | | 70 | | | 143 | | | 0 | | | 0 | | | 1,052 | Total consumer indirect | | $ | 760,600 | | $ | 458,689 | | $ | 312,492 | | $ | 217,995 | | $ | 69,888 | | $ | 39,690 | | $ | 0 | | $ | 0 | | $ | 1,859,354 | Current period gross charge-offs(3) | | $ | 1,199 | | $ | 3,323 | | $ | 4,127 | | $ | 2,838 | | $ | 1,135 | | $ | 948 | | $ | 0 | | $ | 0 | | $ | 13,570 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Consumer direct: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | $ | 88,898 | | $ | 53,200 | | $ | 29,486 | | $ | 15,546 | | $ | 4,904 | | $ | 5,846 | | $ | 7,251 | | $ | 71 | | $ | 205,202 | Nonperforming | | | 39 | | | 74 | | | 65 | | | 56 | | | 4 | | | 51 | | | 97 | | | 7 | | | 393 | Total consumer direct | | $ | 88,937 | | $ | 53,274 | | $ | 29,551 | | $ | 15,602 | | $ | 4,908 | | $ | 5,897 | | $ | 7,348 | | $ | 78 | | $ | 205,595 | Current period gross charge-offs(3) | | $ | 205 | | $ | 891 | | $ | 701 | | $ | 392 | | $ | 55 | | $ | 25 | | $ | 232 | | $ | 0 | | $ | 2,501 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Home equity: | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | $ | 65,113 | | $ | 60,987 | | $ | 44,399 | | $ | 46,641 | | $ | 45,505 | | $ | 66,152 | | $ | 172,782 | | $ | 29,091 | | $ | 530,670 | Nonperforming | | | 0 | | | 290 | | | 773 | | | 543 | | | 71 | | | 704 | | | 620 | | | 84 | | | 3,085 | Total home equity | | $ | 65,113 | | $ | 61,277 | | $ | 45,172 | | $ | 47,184 | | $ | 45,576 | | $ | 66,856 | | $ | 173,402 | | $ | 29,175 | | $ | 533,755 | Current period gross charge-offs(3) | | $ | 0 | | $ | 0 | | $ | 112 | | $ | 0 | | $ | 0 | | $ | 34 | | $ | 7 | | $ | 0 | | $ | 153 |
(1)FICO AB refers to higher tiered loans with FICO scores greater than or equal to 720. (2)FICO CDE refers to loans with FICO scores less than 720 and potentially higher risk. (3)For the year ended December 31, 2025.
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