Loans Receivable (Tables)

9 Months Ended

Sep. 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 September 30, 2026 and December 31, 2025 (in thousands):


	September 30, 2026		December 31, 2025

Personal Banking:

Residential mortgage loans	$	2,984,204	3,100,780
Home equity loans	1,496,559		1,507,532
Vehicle loans	2,779,278		2,426,636
Consumer loans	138,805		137,254
Total Personal Banking	7,398,846		7,172,202

Commercial Banking:
Commercial real estate loans	2,559,351		2,915,696
Commercial real estate loans - owner occupied	372,250		381,206
Commercial and industrial loans	3,062,849		2,538,212
Total Commercial Banking	5,994,450		5,835,114
Total loans receivable, gross	13,393,296		13,007,316

Allowance for credit losses	(149,626)		(150,212)
Total loans receivable, net (1)	$	13,243,670	12,857,104

(1) Includes $25 million and $8 million of net unearned income costs at September 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 September 30, 2026 (in thousands):


	Balance as of September 30, 2026		Current period provision	Charge-offs	Recoveries	Balance as of June 30, 2026
Allowance for Credit Losses
Personal Banking:
Residential mortgage loans	$	10,309	521	(617)	231	10,174
Home equity loans	6,488		378	(199)	98	6,211
Vehicle loans	25,009		1,743	(2,108)	630	24,744
Consumer loans	4,144		837	(1,435)	448	4,294
Total Personal Banking	45,950		3,479	(4,359)	1,407	45,423

Commercial Banking:
Commercial real estate loans	47,640		(5,991)	(1,393)	933	54,091
Commercial real estate loans - owner occupied	4,790		70	(301)	5	5,016
Commercial and industrial loans	51,246		7,662	(1,565)	358	44,791
Total Commercial Banking	103,676		1,741	(3,259)	1,296	103,898
Total	$	149,626	5,220	(7,618)	2,703	149,321

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

Total Personal Banking	81		—	—	—	81

Commercial Banking:
Commercial real estate loans	3,335		1,143	—	—	2,192
Commercial real estate loans - owner occupied	364		(104)	—	—	468
Commercial and industrial loans	14,572		2,857	—	—	11,715
Total Commercial Banking	18,271		3,896	—	—	14,375
Total off-balance sheet exposure	$	18,352	3,896	—	—	14,456

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 September 30, 2025 (in thousands):


	Balance as of September 30, 2025		Current period provision (1)	Charge-offs (2)	Recoveries	Initial ACL on loans purchased with credit deterioration	Balance as of June 30, 2025
Allowance for Credit Losses
Personal Banking:
Residential mortgage loans	$	11,592	(909)	(137)	278	271	12,089
Home equity loans	7,375		2,189	(336)	315	991	4,216
Vehicle loans	26,498		6,021	(2,115)	473	885	21,234
Consumer loans	2,703		1,921	(1,879)	394	1	2,266
Total Personal Banking	48,168		9,222	(4,467)	1,460	2,148	39,805

Commercial Banking:
Commercial real estate loans	69,515		16,036	(3,976)	343	3,488	53,624
Commercial real estate loans - owner occupied	5,022		1,226	(336)	2	—	4,130
Commercial and industrial loans	34,691		4,910	(2,395)	183	393	31,600
Total Commercial Banking	109,228		22,172	(6,707)	528	3,881	89,354
Total	$	157,396	31,394	(11,174)	1,988	6,029	129,159

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

Home equity loans	$	102	37	—	—	—	65

Total Personal Banking	102		37	—	—	—	65

Commercial Banking:
Commercial real estate loans	2,288		391	—	—	—	1,897
Commercial real estate loans - owner occupied	325		65	—	—	—	260
Commercial and industrial loans	7,988		(682)	—	—	—	8,670
Total Commercial Banking	10,601		(226)	—	—	—	10,827
Total off-balance sheet exposure	$	10,703	(189)	—	—	—	10,892

(1) Includes initial day 1 allowance on non-PCD loans acquired from Penns Woods of $20.6 million

(2) Net charge-offs and associated metrics for the quarter ended September 30, 2025 exclude $18.1 million of charge-offs recognized immediately upon completion of the Penns Woods acquisition and related to required purchase accounting treatment

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


	Balance September 30, 2026		Current period provision	Charge-offs	Recoveries	Balance December 31, 2025
Allowance for Credit Losses
Personal Banking:
Residential mortgage loans	$	10,309	1,307	(2,083)	539	10,546
Home equity loans	6,488		747	(873)	465	6,149
Vehicle loans	25,009		4,779	(7,464)	1,749	25,945
Consumer loans	4,144		2,805	(4,731)	1,253	4,817
Total Personal Banking	45,950		9,638	(15,151)	4,006	47,457

Commercial Banking:
Commercial real estate loans	47,640		(9,789)	(2,536)	1,731	58,234
Commercial real estate loans - owner occupied	4,790		402	(301)	10	4,679
Commercial and industrial loans	51,246		14,203	(3,665)	866	39,842
Total Commercial Banking	103,676		4,816	(6,502)	2,607	102,755
Total	$	149,626	14,454	(21,653)	6,613	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	3,335		1,409			1,926
Commercial real estate loans - owner occupied	364		199			165
Commercial and industrial loans	14,572		4,070			10,502
Total Commercial Banking	18,271		5,678	—	—	12,593
Total off-balance sheet exposure	$	18,352	5,668	—	—	12,684


	Balance as of September 30, 2025		Current period provision (1)	Charge-offs (2)	Recoveries	Initial ACL on loans purchased with credit deterioration	Balance as of December 31, 2024
Allowance for Credit Losses
Personal Banking:
Residential mortgage loans	$	11,592	(2,581)	(998)	553	271	14,347
Home equity loans	7,375		1,811	(1,022)	750	991	4,845
Vehicle loans	26,498		8,284	(6,566)	1,506	885	22,389
Consumer loans	2,703		4,210	(4,564)	1,173	1	1,883
Total Personal Banking	48,168		11,724	(13,150)	3,982	2,148	43,464

Commercial Banking:
Commercial real estate loans	69,515		23,317	(4,385)	2,767	3,488	44,328
Commercial real estate loans - owner occupied	5,022		1,394	(336)	82	—	3,882
Commercial and industrial loans	34,691		14,671	(6,563)	1,045	393	25,145
Total Commercial Banking	109,228		39,382	(11,284)	3,894	3,881	73,355
Total	$	157,396	51,106	(24,434)	7,876	6,029	116,819

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

Home equity loans	102		40			—	62

Total Personal Banking	102		40	—	—	—	62

Commercial Banking:
Commercial real estate loans	2,288		(1,866)	—	—	—	4,154
Commercial real estate loans - owner occupied	325		165	—	—	—	160
Commercial and industrial loans	7,988		(1,585)	—	—	—	9,573
Total Commercial Banking	10,601		(3,286)	—	—	—	13,887
Total off-balance sheet exposure	$	10,703	(3,246)	—	—	—	13,949

(1) Includes initial day 1 allowance on non-PCD loans acquired from Penns Woods of $20.6 million

(2) Net charge-offs and associated metrics for the period ended September 30, 2025 exclude $18.1 million of charge-offs recognized immediately upon completion of the Penns Woods acquisition and related to required purchase accounting treatment

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 September 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	$	2,984,204	10,309	12,508	—
Home equity loans	1,496,559		6,488	6,245	—
Vehicle loans	2,779,278		25,009	4,913	—
Consumer loans	138,805		4,144	167	482
Total Personal Banking	7,398,846		45,950	23,833	482

Commercial Banking:
Commercial real estate loans	2,559,351		47,640	39,537	—
Commercial real estate loans - owner occupied	372,250		4,790	811	—
Commercial and industrial loans	3,062,849		51,246	34,506	2
Total Commercial Banking	5,994,450		103,676	74,854	2

Total	$	13,393,296	149,626	98,687	484

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 September 30, 2026 (in thousands):


			September 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	8,096	4,412	12,508
Home equity loans	3,755		5,041	1,204	6,245
Vehicle loans	5,493		3,962	951	4,913
Consumer loans	218		—	167	167
Total Personal Banking	21,713		17,099	6,734	23,833

Commercial Banking:
Commercial real estate loans	56,223		26,057	13,480	39,537
Commercial real estate loans - owner occupied	1,262		206	605	811
Commercial and industrial loans	28,085		29,585	4,921	34,506
Total Commercial Banking	85,570		55,848	19,006	74,854

Total	$	107,283	72,947	25,740	98,687

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 September 30, 2026 (in thousands):


	Real estate		Equipment	Other	Total







Commercial Banking:
Commercial real estate loans	$	22,223	—	—	22,223

Commercial and industrial loans	3,128		9,399	11,421	23,948
Total Commercial Banking	25,351		9,399	11,421	46,171

Total	$	25,351	9,399	11,421	46,171

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 September 30,
	2026						2025
	Term extension		Interest rate reduction	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	$	239	—	—	0.01	%		$	—	606	—	0.02	%
Home equity loans	37		—	—	0.00	%		—		164	—	0.01	%


Total Personal Banking	276		—	—	0.00	%		—		770	—	0.01	%

Commercial Banking:
Commercial real estate loans	8,359		16,224	5,204	1.16	%		8,476		76,062	—	2.73	%

Commercial and industrial loans	519		—	13,782	0.47	%		63		148	136	0.02	%
Total Commercial Banking	8,878		16,224	18,986	0.74	%		8,539		76,210	136	1.46	%

Total	$	9,154	16,224	18,986	0.33	%		$	8,539	76,980	136	0.66	%


	For the nine months ended September 30,
	2026							2025
	Payment delay		Term extension	Interest rate reduction	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	$	—	372	—	658	0.03	%		$	—	909	—	0.03	%
Home equity loans	—		64	—	—	—	%		—		241	—	0.02	%


Total Personal Banking	—		436	—	658	0.01	%		—		1,150	—	0.02	%

Commercial Banking:
Commercial real estate loans	269		36,593	16,224	5,204	2.28	%		8,544		81,905	87	2.93	%
Commercial real estate loans - owner occupied	—		—	—	2,895	0.78	%		—		3,492	—	0.87	%
Commercial and industrial loans	33		1,088	—	13,782	0.49	%		1,848		155	136	0.09	%
Total Commercial Banking	302		37,681	16,224	21,881	1.27	%		10,392		85,552	223	1.66	%

Total	$	302	38,117	16,224	22,539	0.58	%		$	10,392	86,702	223	0.75	%

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 September 30,
	2026			2025
	Weighted-average interest rate reduction		Weighted-average term extension in months		Weighted-average interest rate reduction		Weighted-average term extension in months	Weighted-average payment deferral in years
Personal Banking:
Residential mortgage loans	—	%	160		—	%	161	0
Home equity loans	—	%	222		—	%	67	0


Total Personal Banking	—	%	168		—	%	141	0

Commercial Banking:
Commercial real estate loans	2	%	8		—	%	12	0.5

Commercial and industrial loans	8	%	12		3	%	74	0.3
Total Commercial Banking	4	%	10		3	%	12	0.5
Total loans	4	%	11		3	%	13	0.5


	For the nine months ended September 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	%	121	0	—	%	147	0
Home equity loans	—	%	144	0	—	%	87	0


Total Personal Banking	1	%	122	0	—	%	134	0

Commercial Banking:
Commercial real estate loans	2	%	9	0.5	—	%	12	0.5
Commercial real estate loans - owner occupied	4	%	17	0	—	%	6	0
Commercial and industrial loans	5	%	9	0.5	3	%	73	0.75
Total Commercial Banking	5	%	9	0.5	2	%	12	0.5
Total loans	4	%	11	0.5	2	%	13	0.5

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


	Current		30-59 days delinquent	60-89 days delinquent	90 days or greater delinquent
Personal Banking:
Residential mortgage loans	$	445	—	421	275
Home equity loans	210		62	2	—
Vehicle loans	—		—	—	—
Consumer loans	4		—	—	—
Total Personal Banking	659		62	423	275

Commercial Banking:
Commercial real estate loans	61,764		—	—	—
Commercial real estate loans - owner occupied	4,387		—	—	—
Commercial and industrial loans	14,486		—	569	—
Total Commercial Banking	80,637		—	569	—
Total loans	$	81,296	62	992	275

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


	Current		30-59 days delinquent	60-89 days delinquent	90 days or greater delinquent
Personal Banking:
Residential mortgage loans	$	879	—	—	210
Home equity loans	313		—	—	—


Total Personal Banking	1,192		—	—	210

Commercial Banking:
Commercial real estate loans	85,170		5,367	—	—
Commercial real estate loans - owner occupied	3,492		—	—	—
Commercial and industrial loans	353		—	—	1,785
Total Commercial Banking	89,015		5,367	—	1,785
Total loans	$	90,207	5,367	—	1,995

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 of September 30, 2026 and September 30, 2025 to borrowers experiencing financial difficulty (in thousands):


September 30,	2026		2025
	Term extension			Term extension	Payment delay
Personal Banking:
Residential mortgage loans	$	275		31	179
Home equity loans	—			—	—


Total Personal Banking	275			31	179

Commercial Banking:
Commercial real estate loans	—			—	—

Commercial and industrial loans	—			—	1,785
Total Commercial Banking	—			—	1,785

Total	$	275		31	1,964

Schedule of loan delinquencies

The following table provides information related to the amortized cost basis of loan payment delinquencies at September 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	$	1,233	5,830	10,901	17,964	2,966,240	2,984,204
Home equity loans	6,535		1,603	5,014	13,152	1,483,407	1,496,559
Vehicle loans	12,537		4,023	3,606	20,166	2,759,112	2,779,278
Consumer loans	874		455	618	1,947	136,858	138,805
Total Personal Banking	21,179		11,911	20,139	53,229	7,345,617	7,398,846

Commercial Banking:
Commercial real estate loans	6,211		5,416	15,339	26,966	2,532,385	2,559,351
Commercial real estate loans - owner occupied	246		—	605	851	371,399	372,250
Commercial and industrial loans	1,297		22,661	11,945	35,903	3,026,946	3,062,849
Total Commercial Banking	7,754		28,077	27,889	63,720	5,930,730	5,994,450
Total loans	$	28,933	39,988	48,028	116,949	13,276,347	13,393,296

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 September 30, 2026 (in thousands):


	YTD September 30, 2026		2025	2024	2023	2022	Prior	Revolving loans	Revolving loans converted to term loans	Total loans receivable
Personal Banking:
Residential mortgage loans
Pass	$	132,857	61,372	36,594	192,913	562,061	1,985,900	—	—	2,971,697
Substandard	—		368	—	644	3,019	8,476	—	—	12,507
Total residential mortgage loans	132,857		61,740	36,594	193,557	565,080	1,994,376	—	—	2,984,204
Residential mortgage current period charge-offs	—		—	—	(123)	(438)	(1,522)	—	—	(2,083)
Home equity loans
Pass	97,534		82,540	22,268	39,080	61,180	304,773	823,946	58,992	1,490,313
Substandard	—		—	83	—	294	1,064	4,052	753	6,246
Total home equity loans	97,534		82,540	22,351	39,080	61,474	305,837	827,998	59,745	1,496,559
Home equity current period charge-offs	—		—	—	(14)	(49)	(192)	(471)	(147)	(873)
Vehicle loans
Pass	1,090,371		892,504	332,086	218,580	160,867	79,957	—	—	2,774,365
Substandard	132		1,410	589	1,197	747	838	—	—	4,913
Total vehicle loans	1,090,503		893,914	332,675	219,777	161,614	80,795	—	—	2,779,278
Vehicle current period charge-offs	(96)		(1,985)	(1,674)	(1,593)	(1,127)	(989)	—	—	(7,464)
Consumer loans
Pass	28,441		19,755	10,627	4,712	1,259	2,874	70,055	432	138,155
Substandard	1		23	36	28	2	2	481	77	650
Total consumer loans	28,442		19,778	10,663	4,740	1,261	2,876	70,536	509	138,805
Consumer loan current period charge-offs	(1,399)		(803)	(702)	(501)	(231)	(1,059)	(25)	(11)	(4,731)
Total Personal Banking	1,349,336		1,057,972	402,283	457,154	789,429	2,383,884	898,534	60,254	7,398,846
Commercial Banking:
Commercial real estate loans
Pass	218,485		182,018	217,478	222,227	299,143	931,938	28,359	8,165	2,107,813
Special mention	—		15,584	31,034	32,386	13,553	40,774	598	—	133,929
Substandard	3,732		5,832	17,912	35,641	79,542	171,775	2,378	797	317,609


Total commercial real estate loans	222,217		203,434	266,424	290,254	392,238	1,144,487	31,335	8,962	2,559,351
Commercial real estate current period charge-offs	—		—	—	(61)	(823)	(1,652)	—	—	(2,536)
Commercial real estate loans - owner occupied
Pass	22,823		57,834	29,751	27,962	17,240	173,502	1,473	—	330,585
Special mention	—		6,702	1,390	1,664	957	3,102	819	—	14,634
Substandard	2,895		—	6,515	1,138	4,561	5,992	5,221	709	27,031


Total commercial real estate loans - owner occupied	25,718		64,536	37,656	30,764	22,758	182,596	7,513	709	372,250
Commercial real estate - owner occupied current period charge-offs	—		—	—	—	—	(301)	—	—	(301)
Commercial and industrial loans
Pass	845,117		660,290	381,732	191,773	141,636	71,919	621,179	1,420	2,915,066
Special mention	—		4,412	14,381	7,889	1,857	75	19,155	2	47,771
Substandard	4,098		13,538	23,742	8,005	6,315	6,353	35,034	1,589	98,674
Doubtful			—	1,088	—	—	—	250	—	1,338

Total commercial and industrial loans	849,215		678,240	420,943	207,667	149,808	78,347	675,618	3,011	3,062,849
Commercial and industrial current period charge-offs	—		(116)	(645)	(900)	(786)	(485)	(664)	(69)	(3,665)
Total Commercial Banking	1,097,150		946,210	725,023	528,685	564,804	1,405,430	714,466	12,682	5,994,450

Total loans	$	2,446,486	2,004,182	1,127,306	985,839	1,354,233	3,789,314	1,613,000	72,936	13,393,296

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