v3.26.3
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LEASES (Tables)
 9 Months Ended
Sep. 30, 2026
Receivables [Abstract]  
Schedule of Changes in Allowance for Credit Losses by Loan and Lease Class
Following is a summary of changes in the ACL, by loan and lease class:
TABLE 5.1
(in millions)Balance at
Beginning of
Period		Charge-
Offs		RecoveriesNet
(Charge-
Offs) Recoveries		Provision
for Credit
 Losses		Balance at
End of
Period
Three Months Ended September 30, 2026
Commercial real estate$166.9 $(4.9)$0.4 $(4.5)$1.0 $163.4 
Commercial and industrial117.1 (4.0)0.5 (3.5)6.0 119.6 
Commercial leases22.7 (0.3)0.1 (0.2)(1.2)21.3 
Other4.7 (1.4)0.3 (1.1)1.2 4.8 
Total commercial loans and leases311.4 (10.6)1.3 (9.3)7.0 309.1 
Direct installment25.2 (0.3)0.2 (0.1)0.1 25.2 
Residential mortgages94.0 (0.5)0.1 (0.4)9.6 103.2 
Indirect installment9.6 (1.6)0.5 (1.1)2.3 10.8 
Consumer lines of credit7.1 (0.2)0.1 (0.1)0.2 7.2 
Total consumer loans135.9 (2.6)0.9 (1.7)12.2 146.4 
Total allowance for credit losses on loans and leases447.3 (13.2)2.2 (11.0)19.2 455.5 
Allowance for unfunded loan commitments19.1 — — — 0.4 19.5 
Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments$466.4 $(13.2)$2.2 $(11.0)$19.6 $475.0 
Nine Months Ended September 30, 2026
Commercial real estate$175.9 $(18.4)$1.1 $(17.3)$4.8 $163.4 
Commercial and industrial98.9 (23.9)7.3 (16.6)37.3 119.6 
Commercial leases26.2 (2.3)0.1 (2.2)(2.7)21.3 
Other4.4 (3.7)1.5 (2.2)2.6 4.8 
Total commercial loans and leases305.4 (48.3)10.0 (38.3)42.0 309.1 
Direct installment25.7 (0.7)0.4 (0.3)(0.2)25.2 
Residential mortgages92.4 (2.0)— (2.0)12.8 103.2 
Indirect installment9.0 (4.5)1.4 (3.1)4.9 10.8 
Consumer lines of credit7.0 (0.6)0.4 (0.2)0.4 7.2 
Total consumer loans134.1 (7.8)2.2 (5.6)17.9 146.4 
Total allowance for credit losses on loans and leases439.5 (56.1)12.2 (43.9)59.9 455.5 
Allowance for unfunded loan commitments20.1 — — — (0.6)19.5 
Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments$459.6 $(56.1)$12.2 $(43.9)$59.3 $475.0 
(in millions)Balance at
Beginning of
Period		Charge-
Offs		RecoveriesNet
(Charge-
Offs) Recoveries		Provision
for Credit
Losses		Balance at
End of
Period
Three Months Ended September 30, 2025
Commercial real estate$179.5 $(9.2)$0.4 $(8.8)$7.4 $178.1 
Commercial and industrial88.3 (9.2)1.0 (8.2)14.9 95.0 
Commercial leases21.6 — — — 1.7 23.3 
Other4.6 (1.4)0.2 (1.2)1.2 4.6 
Total commercial loans and leases294.0 (19.8)1.6 (18.2)25.2 301.0 
Direct installment26.6 (0.1)0.1 — (0.6)26.0 
Residential mortgages95.4 (0.5)0.1 (0.4)(0.8)94.2 
Indirect installment9.3 (1.6)0.6 (1.0)0.8 9.1 
Consumer lines of credit6.8 (0.2)0.1 (0.1)0.3 7.0 
Total consumer loans138.1 (2.4)0.9 (1.5)(0.3)136.3 
Total allowance for credit losses on loans and leases432.1 (22.2)2.5 (19.7)24.9 437.3 
Allowance for unfunded loan commitments 21.0 — — — (0.9)20.1 
Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments$453.1 $(22.2)$2.5 $(19.7)$24.0 $457.4 
Nine Months Ended September 30, 2025
Commercial real estate$166.9 $(19.8)$1.0 $(18.8)$30.0 $178.1 
Commercial and industrial85.6 (31.6)6.0 (25.6)35.0 95.0 
Commercial leases22.9 (0.2)— (0.2)0.6 23.3 
Other4.3 (3.6)0.7 (2.9)3.2 4.6 
Total commercial loans and leases279.7 (55.2)7.7 (47.5)68.8 301.0 
Direct installment29.1 (0.7)0.4 (0.3)(2.8)26.0 
Residential mortgages95.9 (2.3)0.3 (2.0)0.3 94.2 
Indirect installment9.5 (5.5)1.8 (3.7)3.3 9.1 
Consumer lines of credit8.6 (0.8)0.3 (0.5)(1.1)7.0 
Total consumer loans143.1 (9.3)2.8 (6.5)(0.3)136.3 
Total allowance for credit losses on loans and leases422.8 (64.5)10.5 (54.0)68.5 437.3 
Allowance for unfunded loan commitments21.4 — — — (1.3)20.1 
Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments$444.2 $(64.5)$10.5 $(54.0)$67.2 $457.4 
Following is a summary of changes in the AULC by portfolio segment:
TABLE 5.2
Three Months Ended
September 30,		Nine Months Ended
September 30,
2026202520262025
(in millions)
Balance at beginning of period$19.1 $21.0 $20.1 $21.4 
Provision for unfunded loan commitments and letters of credit:
Commercial portfolio0.4 (0.8)(0.5)(1.1)
Consumer portfolio— (0.1)(0.1)(0.2)
Balance at end of period$19.5 $20.1 $19.5 $20.1