| Schedule of segment reporting information by segment |
| | | | | | | | | | | | | | | | | | | | | Employee | | | | | Wealth | | | | | | Banking and | | Benefit | | Insurance | | Management | | | | (000’s omitted) | | Corporate | | Services | | Services | | Services | | Total | Three Months Ended June 30, 2026 | | | | | | | | | | | | | | | | Net interest income (expense) from external customers | | $ | 139,089 | | $ | 139 | | $ | 0 | | $ | (84) | | $ | 139,144 | Noninterest revenues from external customers | | | 21,239 | | | 34,885 | | | 13,195 | | | 10,445 | | | 79,764 | Revenues from external customers | | | 160,328 | | | 35,024 | | | 13,195 | | | 10,361 | | | 218,908 | Equity in net loss of investees accounted for by the equity method | | | 0 | | | 0 | | | (463) | | | 0 | | | (463) | Intersegment revenues | | | (902) | | | 1,336 | | | 79 | | | 857 | | | 1,370 | | | | 159,426 | | | 36,360 | | | 12,811 | | | 11,218 | | | 219,815 | | | | | | | | | | | | | | | | | Reconciliation of revenues (segment operating revenues): | | | | | | | | | | | | | | | | Elimination of intersegment revenues | | | | | | | | | | | | | | | (1,370) | Other revenues (a) | | | | | | | | | | | | | | | 4,710 | Total consolidated revenues | | | | | | | | | | | | | | $ | 223,155 | | | | | | | | | | | | | | | | | Less segment expenses: (b) | | | | | | | | | | | | | | | | Provision for credit losses | | | 4,607 | | | 0 | | | 0 | | | 0 | | | | Salaries and employee benefits | | | 52,003 | | | 16,182 | | | 8,638 | | | 6,439 | | | | Data processing and communications | | | 16,640 | | | 1,254 | | | 947 | | | 845 | | | | Occupancy and equipment | | | 12,383 | | | 987 | | | 412 | | | 129 | | | | Legal and professional fees | | | 2,513 | | | 1,812 | | | 88 | | | 88 | | | | Business development and marketing | | | 2,036 | | | 159 | | | 272 | | | 89 | | | | Other segment items (c) | | | 7,556 | | | 2,125 | | | 449 | | | 186 | | | | Segment adjusted income before income taxes | | $ | 61,688 | | $ | 13,841 | | $ | 2,005 | | $ | 3,442 | | $ | 80,976 | | | | | | | | | | | | | | | | | Reconciliation of profit or loss (segment adjusted income before income taxes): | | | | | | | | | | | | | | | | Gain on equity securities | | | | | | | | | | | | | | | 4,710 | Amortization of intangible assets | | | | | | | | | | | | | | | (4,408) | Litigation accrual | | | | | | | | | | | | | | | (335) | Acquisition-related contingent consideration adjustments | | | | | | | | | | | | | | | 103 | Acquisition expenses | | | | | | | | | | | | | | | (231) | Total consolidated income before income taxes | | | | | | | | | | | | | | $ | 80,815 | | | | | | | | | | | | | | | | | Other segment disclosures: | | | | | | | | | | | | | | | | Interest income | | $ | 184,178 | | $ | 831 | | $ | 54 | | $ | 481 | | $ | 185,544 | | | | | | | | | | | | | | | | | Reconciliation of interest income: | | | | | | | | | | | | | | | | Elimination of intersegment interest income | | | | | | | | | | | | | | | (1,192) | Total consolidated interest income | | | | | | | | | | | | | | $ | 184,352 | | | | | | | | | | | | | | | | | Interest expense | | $ | 46,280 | | $ | 0 | | $ | 0 | | $ | 120 | | $ | 46,400 | | | | | | | | | | | | | | | | | Reconciliation of interest expense: | | | | | | | | | | | | | | | | Elimination of intersegment interest expense | | | | | | | | | | | | | | | (1,192) | Total consolidated interest expense | | | | | | | | | | | | | | $ | 45,208 | | | | | | | | | | | | | | | | | Depreciation (d) | | $ | 5,707 | | $ | 235 | | $ | 85 | | $ | 59 | | $ | 6,086 | Amortization of intangible assets | | | 1,057 | | | 1,827 | | | 1,191 | | | 333 | | | 4,408 | Goodwill | | | 764,714 | | | 91,046 | | | 30,816 | | | 14,074 | | | 900,650 | Core deposit intangibles, net | | | 12,689 | | | 0 | | | 0 | | | 3,043 | | | 15,732 | Other intangibles, net | | | 435 | | | 16,445 | | | 21,167 | | | 9,265 | | | 47,312 | Segment assets | | | 17,436,748 | | | 228,872 | | | 114,278 | | | 204,383 | | | 17,984,281 | | | | | | | | | | | | | | | | | Reconciliation of segment assets: | | | | | | | | | | | | | | | | Elimination of intersegment cash and deposits | | | | | | | | | | | | | | | (220,511) | Total consolidated assets | | | | | | | | | | | | | | $ | 17,763,770 |
(a)Other revenues includes $4,710 of gain on equity securities. (b) | The significant expense categories and amounts align with the segment-level information that is regularly provided to the CODM. Intersegment expenses are included within the amounts shown. |
(c)Other segment items for each reportable segment includes: Banking and Corporate – FDIC insurance expense, office supplies and postage expense, fraud losses and other writedowns, education, recruiting and travel expense and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension. Employee Benefit Services – Certain intersegment technology and rent related overhead expense allocations, education, recruiting and travel expense, office supplies and postage expense and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension. Insurance Services – Education, recruiting and travel expense, certain intersegment technology and rent related overhead expense allocations and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension. Wealth Management Services – Education, recruiting and travel expense, certain intersegment technology and rent related overhead expense allocations and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension. (d)The amount of depreciation disclosed by reportable segment is included within the data processing and communications and occupancy and equipment expense captions. | | | | | | | | | | | | | | | | | | | | | Employee | | | | | Wealth | | | | | | Banking and | | Benefit | | Insurance | | Management | | | | (000’s omitted) | | Corporate | | Services | | Services | | Services | | Total | Three Months Ended June 30, 2025 | | | | | | | | | | | | | | | | Net interest income from external customers | | $ | 124,615 | | $ | 133 | | $ | 0 | | $ | 0 | | $ | 124,748 | Noninterest revenues from external customers | | | 19,728 | | | 32,681 | | | 13,388 | | | 8,712 | | | 74,509 | Revenues from external customers | | | 144,343 | | | 32,814 | | | 13,388 | | | 8,712 | | | 199,257 | Intersegment revenues | | | (421) | | | 1,078 | | | 76 | | | 507 | | | 1,240 | | | | 143,922 | | | 33,892 | | | 13,464 | | | 9,219 | | | 200,497 | | | | | | | | | | | | | | | | | Reconciliation of revenues (segment operating revenues): | | | | | | | | | | | | | | | | Elimination of intersegment revenues | | | | | | | | | | | | | | | (1,240) | Other revenues (a) | | | | | | | | | | | | | | | (1) | Total consolidated revenues | | | | | | | | | | | | | | $ | 199,256 | | | | | | | | | | | | | | | | | Less segment expenses: (b) | | | | | | | | | | | | | | | | Provision for credit losses | | | 4,117 | | | 0 | | | 0 | | | 0 | | | | Salaries and employee benefits | | | 48,647 | | | 16,574 | | | 8,884 | | | 5,699 | | | | Data processing and communications | | | 13,953 | | | 1,196 | | | 855 | | | 694 | | | | Occupancy and equipment | | | 10,107 | | | 881 | | | 391 | | | 133 | | | | Legal and professional fees | | | 2,600 | | | 1,570 | | | 179 | | | 202 | | | | Business development and marketing | | | 3,644 | | | 71 | | | 260 | | | 27 | | | | Other segment items (c) | | | 6,362 | | | 1,689 | | | 648 | | | 115 | | | | Segment adjusted income before income taxes | | $ | 54,492 | | $ | 11,911 | | $ | 2,247 | | $ | 2,349 | | $ | 70,999 | | | | | | | | | | | | | | | | | Reconciliation of profit or loss (segment adjusted income before income taxes): | | | | | | | | | | | | | | | | Loss on equity securities | | | | | | | | | | | | | | | (1) | Amortization of intangible assets | | | | | | | | | | | | | | | (3,369) | Restructuring expenses | | | | | | | | | | | | | | | (1,525) | Acquisition expenses | | | | | | | | | | | | | | | (67) | Total consolidated income before income taxes | | | | | | | | | | | | | | $ | 66,037 | | | | | | | | | | | | | | | | | Other segment disclosures: | | | | | | | | | | | | | | | | Interest income | | $ | 172,745 | | $ | 595 | | $ | 50 | | $ | 130 | | $ | 173,520 | | | | | | | | | | | | | | | | | Reconciliation of interest income: | | | | | | | | | | | | | | | | Elimination of intersegment interest income | | | | | | | | | | | | | | | (642) | Total consolidated interest income | | | | | | | | | | | | | | $ | 172,878 | | | | | | | | | | | | | | | | | Interest expense | | $ | 48,772 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 48,772 | | | | | | | | | | | | | | | | | Reconciliation of interest expense: | | | | | | | | | | | | | | | | Elimination of intersegment interest expense | | | | | | | | | | | | | | | (642) | Total consolidated interest expense | | | | | | | | | | | | | | $ | 48,130 | | | | | | | | | | | | | | | | | Depreciation (d) | | $ | 3,328 | | $ | 176 | | $ | 102 | | $ | 51 | | $ | 3,657 | Amortization of intangible assets | | | 585 | | | 1,774 | | | 883 | | | 127 | | | 3,369 | Goodwill | | | 732,598 | | | 90,959 | | | 27,822 | | | 3,438 | | | 854,817 | Core deposit intangibles, net | | | 3,963 | | | 0 | | | 0 | | | 0 | | | 3,963 | Other intangibles, net | | | 621 | | | 21,992 | | | 16,082 | | | 906 | | | 39,601 | Segment assets | | | 16,429,774 | | | 223,464 | | | 72,623 | | | 39,132 | | | 16,764,993 | | | | | | | | | | | | | | | | | Reconciliation of segment assets: | | | | | | | | | | | | | | | | Elimination of intersegment cash and deposits | | | | | | | | | | | | | | | (99,975) | Total consolidated assets | | | | | | | | | | | | | | $ | 16,665,018 |
(a)Other revenues includes $1 of loss on equity securities. (b) | The significant expense categories and amounts align with the segment-level information that is regularly provided to the CODM. Intersegment expenses are included within the amounts shown. |
(c)Other segment items for each reportable segment includes: Banking and Corporate – FDIC insurance expense, office supplies and postage expense, fraud losses and other writedowns, education, recruiting and travel expense and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension. Employee Benefit Services – Certain intersegment technology and rent related overhead expense allocations, education, recruiting and travel expense, office supplies and postage expense and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension. Insurance Services – Education, recruiting and travel expense, certain intersegment technology and rent related overhead expense allocations and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension. Wealth Management Services – Education, recruiting and travel expense, certain intersegment technology and rent related overhead expense allocations and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension. (d)The amount of depreciation disclosed by reportable segment is included within the data processing and communications and occupancy and equipment expense captions. | | | | | | | | | | | | | | | | | | | | | Employee | | | | | Wealth | | | | | | Banking and | | Benefit | | Insurance | | Management | | | | (000’s omitted) | | Corporate | | Services | | Services | | Services | | Total | Six Months Ended June 30, 2026 | | | | | | | | | | | | | | | | Net interest income (expense) from external customers | | $ | 273,668 | | $ | 272 | | $ | 0 | | $ | (84) | | $ | 273,856 | Noninterest revenues from external customers | | | 42,991 | | | 69,476 | | | 25,781 | | | 20,817 | | | 159,065 | Revenues from external customers | | | 316,659 | | | 69,748 | | | 25,781 | | | 20,733 | | | 432,921 | Equity in net loss of investees accounted for by the equity method | | | 0 | | | 0 | | | (789) | | | 0 | | | (789) | Intersegment revenues | | | (1,702) | | | 2,923 | | | 150 | | | 1,548 | | | 2,919 | | | | 314,957 | | | 72,671 | | | 25,142 | | | 22,281 | | | 435,051 | | | | | | | | | | | | | | | | | Reconciliation of revenues (segment operating revenues): | | | | | | | | | | | | | | | | Elimination of intersegment revenues | | | | | | | | | | | | | | | (2,919) | Other revenues (a) | | | | | | | | | | | | | | | 4,309 | Total consolidated revenues | | | | | | | | | | | | | | $ | 436,441 | | | | | | | | | | | | | | | | | Less segment expenses: (b) | | | | | | | | | | | | | | | | Provision for credit losses | | | 10,243 | | | 0 | | | 0 | | | 0 | | | | Salaries and employee benefits | | | 102,133 | | | 32,828 | | | 17,220 | | | 12,360 | | | | Data processing and communications | | | 31,588 | | | 2,471 | | | 1,918 | | | 1,580 | | | | Occupancy and equipment | | | 25,675 | | | 2,016 | | | 854 | | | 273 | | | | Legal and professional fees | | | 5,509 | | | 3,882 | | | 167 | | | 312 | | | | Business development and marketing | | | 4,259 | | | 263 | | | 412 | | | 157 | | | | Other segment items (c) | | | 14,251 | | | 3,043 | | | 717 | | | 250 | | | | Segment adjusted income before income taxes | | $ | 121,299 | | $ | 28,168 | | $ | 3,854 | | $ | 7,349 | | $ | 160,670 | | | | | | | | | | | | | | | | | Reconciliation of profit or loss (segment adjusted income before income taxes): | | | | | | | | | | | | | | | | Gain on equity securities | | | | | | | | | | | | | | | 4,309 | Amortization of intangible assets | | | | | | | | | | | | | | | (8,654) | Litigation accrual | | | | | | | | | | | | | | | (335) | Acquisition-related contingent consideration adjustments | | | | | | | | | | | | | | | 103 | Acquisition expenses | | | | | | | | | | | | | | | (664) | Total consolidated income before income taxes | | | | | | | | | | | | | | $ | 155,429 | | | | | | | | | | | | | | | | | Other segment disclosures: | | | | | | | | | | | | | | | | Interest income | | $ | 364,031 | | $ | 1,777 | | $ | 99 | | $ | 652 | | $ | 366,559 | | | | | | | | | | | | | | | | | Reconciliation of interest income: | | | | | | | | | | | | | | | | Elimination of intersegment interest income | | | | | | | | | | | | | | | (2,220) | Total consolidated interest income | | | | | | | | | | | | | | $ | 364,339 | | | | | | | | | | | | | | | | | Interest expense | | $ | 92,583 | | $ | 0 | | $ | 0 | | $ | 120 | | $ | 92,703 | | | | | | | | | | | | | | | | | Reconciliation of interest expense: | | | | | | | | | | | | | | | | Elimination of intersegment interest expense | | | | | | | | | | | | | | | (2,220) | Total consolidated interest expense | | | | | | | | | | | | | | $ | 90,483 | | | | | | | | | | | | | | | | | Depreciation (d) | | $ | 10,629 | | $ | 435 | | $ | 173 | | $ | 104 | | $ | 11,341 | Amortization of intangible assets | | | 2,152 | | | 3,661 | | | 2,379 | | | 462 | | | 8,654 |
(a)Other revenues includes $4,309 of gain on equity securities. (b) | The significant expense categories and amounts align with the segment-level information that is regularly provided to the CODM. Intersegment expenses are included within the amounts shown. |
(c)Other segment items for each reportable segment includes: Banking and Corporate – FDIC insurance expense, office supplies and postage expense, fraud losses and other writedowns, education, recruiting and travel expense and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension. Employee Benefit Services – Certain intersegment technology and rent related overhead expense allocations, education, recruiting and travel expense, office supplies and postage expense and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension. Insurance Services – Education, recruiting and travel expense, certain intersegment technology and rent related overhead expense allocations and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension. Wealth Management Services – Education, recruiting and travel expense, certain intersegment technology and rent related overhead expense allocations and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension. (d)The amount of depreciation disclosed by reportable segment is included within the data processing and communications and occupancy and equipment expense captions. | | | | | | | | | | | | | | | | | | | | | Employee | | | | | Wealth | | | | | | Banking and | | Benefit | | Insurance | | Management | | | | (000’s omitted) | | Corporate | | Services | | Services | | Services | | Total | Six Months Ended June 30, 2025 | | | | | | | | | | | | | | | | Net interest income from external customers | | $ | 244,702 | | $ | 258 | | $ | 0 | | $ | 0 | | $ | 244,960 | Noninterest revenues from external customers | | | 38,544 | | | 65,565 | | | 27,589 | | | 18,602 | | | 150,300 | Revenues from external customers | | | 283,246 | | | 65,823 | | | 27,589 | | | 18,602 | | | 395,260 | Intersegment revenues | | | (852) | | | 2,185 | | | 145 | | | 1,103 | | | 2,581 | | | | 282,394 | | | 68,008 | | | 27,734 | | | 19,705 | | | 397,841 | | | | | | | | | | | | | | | | | Reconciliation of revenues (segment operating revenues): | | | | | | | | | | | | | | | | Elimination of intersegment revenues | | | | | | | | | | | | | | | (2,581) | Other revenues (a) | | | | | | | | | | | | | | | 244 | Total consolidated revenues | | | | | | | | | | | | | | $ | 395,504 | | | | | | | | | | | | | | | | | Less segment expenses: (b) | | | | | | | | | | | | | | | | Provision for credit losses | | | 10,807 | | | 0 | | | 0 | | | 0 | | | | Salaries and employee benefits | | | 95,772 | | | 32,629 | | | 17,231 | | | 11,429 | | | | Data processing and communications | | | 27,440 | | | 2,279 | | | 1,728 | | | 1,373 | | | | Occupancy and equipment | | | 21,292 | | | 1,837 | | | 832 | | | 275 | | | | Legal and professional fees | | | 6,070 | | | 2,996 | | | 279 | | | 310 | | | | Business development and marketing | | | 6,567 | | | 87 | | | 446 | | | 31 | | | | Other segment items (c) | | | 13,681 | | | 2,829 | | | 863 | | | 303 | | | | Segment adjusted income before income taxes | | $ | 100,765 | | $ | 25,351 | | $ | 6,355 | | $ | 5,984 | | $ | 138,455 | | | | | | | | | | | | | | | | | Reconciliation of profit or loss (segment adjusted income before income taxes): | | | | | | | | | | | | | | | | Gain on equity securities | | | | | | | | | | | | | | | 244 | Amortization of intangible assets | | | | | | | | | | | | | | | (6,851) | Restructuring expenses | | | | | | | | | | | | | | | (1,525) | Acquisition expenses | | | | | | | | | | | | | | | (68) | Litigation accrual | | | | | | | | | | | | | | | 50 | Total consolidated income before income taxes | | | | | | | | | | | | | | $ | 130,305 | | | | | | | | | | | | | | | | | Other segment disclosures: | | | | | | | | | | | | | | | | Interest income | | $ | 340,267 | | $ | 1,196 | | $ | 94 | | $ | 258 | | $ | 341,815 | | | | | | | | | | | | | | | | | Reconciliation of interest income: | | | | | | | | | | | | | | | | Elimination of intersegment interest income | | | | | | | | | | | | | | | (1,290) | Total consolidated interest income | | | | | | | | | | | | | | $ | 340,525 | | | | | | | | | | | | | | | | | Interest expense | | $ | 96,855 | | $ | 0 | | $ | 0 | | $ | 0 | | $ | 96,855 | | | | | | | | | | | | | | | | | Reconciliation of interest expense: | | | | | | | | | | | | | | | | Elimination of intersegment interest expense | | | | | | | | | | | | | | | (1,290) | Total consolidated interest expense | | | | | | | | | | | | | | $ | 95,565 | | | | | | | | | | | | | | | | | Depreciation (d) | | $ | 6,628 | | $ | 364 | | $ | 208 | | $ | 101 | | $ | 7,301 | Amortization of intangible assets | | | 1,288 | | | 3,491 | | | 1,807 | | | 265 | | | 6,851 |
(a)Other revenues includes $244 of gain on equity securities. (b) | The significant expense categories and amounts align with the segment-level information that is regularly provided to the CODM. Intersegment expenses are included within the amounts shown. |
(c)Other segment items for each reportable segment includes: Banking and Corporate – FDIC insurance expense, office supplies and postage expense, fraud losses and other writedowns, education, recruiting and travel expense and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension. Employee Benefit Services – Certain intersegment technology and rent related overhead expense allocations, education, recruiting and travel expense, office supplies and postage expense and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension. Insurance Services – Education, recruiting and travel expense, certain intersegment technology and rent related overhead expense allocations and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension. Wealth Management Services – Education, recruiting and travel expense, certain intersegment technology and rent related overhead expense allocations and various miscellaneous expenses partially offset by a benefit related to the non-service related components of the Company's pension. (d)The amount of depreciation disclosed by reportable segment is included within the data processing and communications and occupancy and equipment expense captions.
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