v3.26.3
LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Tables)
 9 Months Ended
Sep. 30, 2026
Receivables [Abstract]  
Summary of Major Portfolio Segment and Specific Loan Class
The following schedule presents our loan and lease portfolio according to major portfolio segment and specific class:
(In millions)September 30,
2026		December 31,
2025
Loans held for sale$49 $201 
Commercial:
Commercial and industrial 1
$18,758 $18,111 
Owner-occupied9,357 9,274 
Municipal4,295 4,294 
Total commercial32,410 31,679 
Commercial real estate:
Term11,747 11,234 
Construction and land development2,408 2,162 
Total commercial real estate14,155 13,396 
Consumer:
1-4 family residential10,370 10,462 
Home equity credit line4,134 3,950 
Construction and other consumer real estate751 782 
Bankcard and other revolving plans539 515 
Other113 116 
Total consumer15,907 15,825 
Total loans and leases
$62,472 $60,900 
1 Effective March 31, 2026, balances previously reported as “Leasing” were reclassified to the “Commercial and industrial” loan segment. Prior period amounts have been reclassified to conform to the current presentation. At September 30, 2026 and December 31, 2025, the leasing portfolio totaled $331 million and $367 million, respectively.
Loans Held For Sale The following schedule presents loans added to, or sold from, the held for sale category during the periods presented:
Three Months Ended
September 30,		Nine Months Ended
September 30,
(In millions)2026202520262025
Loans added to held for sale$238 $267 $1,382 715
Loans sold from held for sale261 222 1,465 572
Summary of Changes in the Allowance for Credit Losses
Changes in the ACL are summarized as follows:
Three Months Ended September 30, 2026
(In millions)CommercialCommercial real estateConsumerTotal
Allowance for loan losses
Balance at beginning of period$397 $161 $104 $662 
Provision for loan losses(16)(12)14 (14)
Gross loan and lease charge-offs6 — 3 9 
Recoveries3 1 2 6 
Net loan and lease charge-offs (recoveries)3 (1)1 3 
Balance at end of period$378 $150 $117 $645 
Reserve for unfunded lending commitments
Balance at beginning of period$18 $20 $7 $45 
Provision for unfunded lending commitments(1)6 1 6 
Balance at end of period$17 $26 $8 $51 
Total allowance for credit losses at end of period
Allowance for loan losses$378 $150 $117 $645 
Reserve for unfunded lending commitments17 26 8 51 
Total allowance for credit losses$395 $176 $125 $696 
Nine Months Ended September 30, 2026
(In millions)CommercialCommercial real estateConsumerTotal
Allowance for loan losses
Balance at beginning of period$391 $185 $102 $678 
Provision for loan losses(4)(34)21 (17)
Gross loan and lease charge-offs21 3 10 34 
Recoveries12 2 4 18 
Net loan and lease charge-offs (recoveries)9 1 6 16 
Balance at end of period$378 $150 $117 $645 
Reserve for unfunded lending commitments
Balance at beginning of period$19 $19 $8 $46 
Provision for unfunded lending commitments(2)7 — 5 
Balance at end of period$17 $26 $8 $51 
Total allowance for credit losses at end of period
Allowance for loan losses$378 $150 $117 $645 
Reserve for unfunded lending commitments17 26 8 51 
Total allowance for credit losses$395 $176 $125 $696 
Three Months Ended September 30, 2025
(In millions)CommercialCommercial real estateConsumerTotal
Allowance for loan losses
Balance at beginning of period$361 $230 $99 $690 
Provision for loan losses57 (11)(1)45 
Gross loan and lease charge-offs61 3 3 67 
Recoveries9 1 1 11 
Net loan and lease charge-offs (recoveries)52 2 2 56 
Balance at end of period$366 $217 $96 $679 
Reserve for unfunded lending commitments
Balance at beginning of period$22 $12 $8 $42 
Provision for unfunded lending commitments1 4 (1)4 
Balance at end of period$23 $16 $7 $46 
Total allowance for credit losses at end of period
Allowance for loan losses$366 $217 $96 $679 
Reserve for unfunded lending commitments23 16 7 46 
Total allowance for credit losses$389 $233 $103 $725 
Nine Months Ended September 30, 2025
(In millions)CommercialCommercial real estateConsumerTotal
Allowance for loan losses
Balance at beginning of period$308 $300 $88 $696 
Provision for loan losses129 (80)16 65 
Gross loan and lease charge-offs92 4 11 107 
Recoveries21 1 3 25 
Net loan and lease charge-offs (recoveries)71 3 8 82 
Balance at end of period$366 $217 $96 $679 
Reserve for unfunded lending commitments
Balance at beginning of period$26 $11 $8 $45 
Provision for unfunded lending commitments(3)5 (1)1 
Balance at end of period$23 $16 $7 $46 
Total allowance for credit losses at end of period
Allowance for loan losses$366 $217 $96 $679 
Reserve for unfunded lending commitments23 16 7 46 
Total allowance for credit losses$389 $233 $103 $725 
Summary of Nonaccrual Loans
The following schedule presents the amortized cost basis of loans on nonaccrual:
September 30, 2026
Amortized cost basisTotal amortized cost basis
(In millions)
with no allowance 1
with allowanceRelated allowance
Commercial:
Commercial and industrial$16 $114 $130 $23 
Owner-occupied30 16 46 1 
Total commercial46 130 176 24 
Commercial real estate:
Term32 8 40 — 
Consumer:
1-4 family residential7 51 58 6 
Home equity credit line1 34 35 13 
Bankcard and other revolving plans— 1 1 1 
Other— 1 1 1 
Total consumer8 87 95 21 
Total$86 $225 $311 $45 
December 31, 2025
Amortized cost basisTotal amortized cost basis
(In millions)
with no allowance 1
with allowanceRelated allowance
Commercial:
Commercial and industrial$44 $49 $93 $19 
Owner-occupied33 18 51 1 
Municipal— 2 2 — 
Total commercial77 69 146 20 
Commercial real estate:
Term 4 68 72 2 
Construction and land development— 1 1 — 
Total commercial real estate4 69 73 2 
Consumer:
1-4 family residential14 51 65 5 
Home equity credit line— 30 30 8 
Bankcard and other revolving plans— 1 1 1 
Total consumer14 82 96 14 
Total$95 $220 $315 $36 
1 Nonaccrual loans with no allowance primarily consist of loans for which a specific reserve is estimated based on the fair value of the collateral. As a result, we generally charge off the portion of the loan balance that exceeds that fair value, and no reserve or related allowance is established for these loans.
The following schedule presents the amount of accrued interest receivables reversed from interest income, categorized by loan portfolio segment during the periods presented:
Three Months Ended
September 30,		Nine Months Ended
September 30,
(In millions)2026202520262025
Commercial$5 $4 $12 $5 
Commercial real estate1 1 3 4 
Consumer1 1 3 3 
Total$7 $6 $18 $12 
Summary of Past Due Loans (Accruing and Nonaccruing)
Past due loans (accruing and nonaccruing) are summarized as follows:
September 30, 2026
(In millions)Current30-89 days
past due		90+ days
past due		Total
past due		Total
loans		Accruing
loans
90+ days
past due
Nonaccrual
loans
that are
current 1
Commercial:
Commercial and industrial$18,678 $53 $27 $80 $18,758 $2 $88 
Owner-occupied9,314 19 24 43 9,357 1 22 
Municipal4,295 — — — 4,295 — — 
Total commercial32,287 72 51 123 32,410 3 110 
Commercial real estate:
Term
11,723 20 4 24 11,747 1 30 
Construction and land development2,408 — — — 2,408 — — 
Total commercial real estate14,131 20 4 24 14,155 1 30 
Consumer:
1-4 family residential10,323 13 34 47 10,370 — 22 
Home equity credit line4,108 16 10 26 4,134 — 18 
Construction and other consumer real estate
751 — — — 751 — — 
Bankcard and other revolving plans
534 4 1 5 539 1 1 
Other112 1 — 1 113 — — 
Total consumer15,828 34 45 79 15,907 1 41 
Total$62,246 $126 $100 $226 $62,472 $5 $181 
December 31, 2025
(In millions)Current30-89 days
past due		90+ days
past due		Total
past due		Total
loans		Accruing
loans
90+ days
past due
Nonaccrual
loans
that are
current 1
Commercial:
Commercial and industrial$18,025 $75 $11 $86 $18,111 $2 $73 
Owner-occupied9,235 11 28 39 9,274 1 17 
Municipal4,293 1 — 1 4,294 — 2 
Total commercial31,553 87 39 126 31,679 3 92 
Commercial real estate:
Term
11,211 1 22 23 11,234 1 50 
Construction and land development2,161 — 1 1 2,162 — — 
Total commercial real estate13,372 1 23 24 13,396 1 50 
Consumer:
1-4 family residential10,411 10 41 51 10,462 — 21 
Home equity credit line3,920 19 11 30 3,950 — 15 
Construction and other consumer real estate
782 — — — 782 — — 
Bankcard and other revolving plans
510 3 2 5 515 1 1 
Other115 1 — 1 116 — — 
Total consumer15,738 33 54 87 15,825 1 37 
Total$60,663 $121 $116 $237 $60,900 $5 $179 
1 Represents nonaccrual loans that are not past due more than 30 days; however, full payment of principal and interest is not expected.
Summary of Outstanding Loan Balances (Accruing and Nonaccruing) Categorized by Credit Quality Indicators
The following schedules present the amortized cost of loans and leases by vintage year and by the credit quality classifications used by management in monitoring portfolio risk. Vintage year generally reflects the year of origination or, when applicable, the year of a subsequent modification that is accounted for as a new loan.
September 30, 2026
Term loansRevolving loans amortized cost basisRevolving loans converted to term loans amortized cost basis
Amortized cost basis by year of origination
(In millions)
2026
2025
2024
2023
2022
PriorTotal
Commercial:
Commercial and industrial
Pass$1,962 $2,548 $1,427 $985 $887 $1,160 $8,788 $125 $17,882 
Special Mention1 7 14 18 39 69 51 2 201 
Accruing Substandard— 118 74 92 26 76 151 8 545 
Nonaccrual— 4 24 8 32 24 22 16 130 
Total commercial and industrial1,963 2,677 1,539 1,103 984 1,329 9,012 151 18,758 
Owner-occupied
Pass817 907 1,126 675 1,265 3,793 266 54 8,903 
Special Mention— 1 13 11 11 28 3 5 72 
Accruing Substandard2 22 43 40 76 122 31 — 336 
Nonaccrual— 6 — 4 9 24 3 — 46 
Total owner-occupied819 936 1,182 730 1,361 3,967 303 59 9,357 
Municipal
Pass378 367 518 357 783 1,824 3 30 4,260 
Special Mention— — — — — 3 — — 3 
Accruing Substandard— — — 14 — 18 — — 32 
Nonaccrual— — — — — — — — — 
Total municipal378 367 518 371 783 1,845 3 30 4,295 
Total commercial3,160 3,980 3,239 2,204 3,128 7,141 9,318 240 32,410 
Commercial real estate:
Term
Pass1,602 1,223 1,025 970 1,475 3,882 385 90 10,652 
Special Mention— — 41 27 35 80 25 — 208 
Accruing Substandard— 17 37 198 370 191 1 33 847 
Nonaccrual— — — — 1 39 — — 40 
Total term1,602 1,240 1,103 1,195 1,881 4,192 411 123 11,747 
Construction and land development
Pass177 904 327 139 38 12 696 46 2,339 
Special Mention— — 12 — — — 7 — 19 
Accruing Substandard— — 36 9 — — 5 — 50 
Nonaccrual— — — — — — — — — 
Total construction and land development177 904 375 148 38 12 708 46 2,408 
Total commercial real estate1,779 2,144 1,478 1,343 1,919 4,204 1,119 169 14,155 
September 30, 2026
Term loansRevolving loans amortized cost basisRevolving loans converted to term loans amortized cost basis
Amortized cost basis by year of origination
(In millions)
2026
2025
2024
2023
2022
PriorTotal
Consumer:
1-4 family residential
Pass$904 $732 $709 $688 $3,038 $4,238 $— $— $10,309 
Special Mention— — — — — — — — — 
Accruing Substandard— — 1 — 1 1 — — 3 
Nonaccrual— 1 3 7 13 34 — — 58 
Total 1-4 family residential904 733 713 695 3,052 4,273 — — 10,370 
Home equity credit line
Pass— — — — — — 3,959 133 4,092 
Special Mention— — — — — — — — — 
Accruing Substandard— — — — — — 7 — 7 
Nonaccrual— — — — — — 30 5 35 
Total home equity credit line— — — — — — 3,996 138 4,134 
Construction and other consumer real estate
Pass106 439 157 26 19 3 — — 750 
Special Mention— — — — — — — — — 
Accruing Substandard— 1 — — — — — — 1 
Nonaccrual— — — — — — — — — 
Total construction and other consumer real estate106 440 157 26 19 3 — — 751 
Bankcard and other revolving plans
Pass— — — — — — 536 — 536 
Special Mention— — — — — — — — — 
Accruing Substandard— — — — — — 2 — 2 
Nonaccrual— — — — — — 1 — 1 
Total bankcard and other revolving plans— — — — — — 539 — 539 
Other consumer
Pass45 32 16 11 6 2 — — 112 
Special Mention— — — — — — — — — 
Accruing Substandard— — — — — — — — — 
Nonaccrual— — — 1 — — — — 1 
Total other consumer45 32 16 12 6 2 — — 113 
Total consumer1,055 1,205 886 733 3,077 4,278 4,535 138 15,907 
Total loans$5,994 $7,329 $5,603 $4,280 $8,124 $15,623 $14,972 $547 $62,472 
December 31, 2025
Term loansRevolving loans amortized cost basisRevolving loans converted to term loans amortized cost basis
Amortized cost basis by year of origination
(In millions)
2025
2024
2023
2022
2021PriorTotal
Commercial:
Commercial and industrial
Pass$3,746 $2,058 $1,143 $898 $350 $698 $8,141 $197 $17,231 
Special Mention14 29 13 16 28 30 99 1 230 
Accruing Substandard60 140 82 41 18 30 177 9 557 
Nonaccrual4 5 4 37 3 3 14 23 93 
Total commercial and industrial3,824 2,232 1,242 992 399 761 8,431 230 18,111 
Owner-occupied
Pass1,112 1,234 727 1,414 1,492 2,515 227 67 8,788 
Special Mention3 28 — 9 9 30 1 — 80 
Accruing Substandard4 37 15 111 71 89 24 4 355 
Nonaccrual6 8 2 6 3 19 7 — 51 
Total owner-occupied1,125 1,307 744 1,540 1,575 2,653 259 71 9,274 
Municipal
Pass542 614 409 745 849 1,070 1 41 4,271 
Special Mention— 3 — — — — — — 3 
Accruing Substandard— — — — — 18 — — 18 
Nonaccrual— — — — 2 — — — 2 
Total municipal542 617 409 745 851 1,088 1 41 4,294 
Total commercial5,491 4,156 2,395 3,277 2,825 4,502 8,691 342 31,679 
Commercial real estate:
Term
Pass2,643 1,223 1,167 1,741 956 1,747 318 140 9,935 
Special Mention51 — 35 71 — 1 — — 158 
Accruing Substandard328 43 142 426 53 36 26 15 1,069 
Nonaccrual21 — 16 1 — 5 — 29 72 
Total term3,043 1,266 1,360 2,239 1,009 1,789 344 184 11,234 
Construction and land development
Pass446 540 375 47 1 1 624 49 2,083 
Special Mention— 8 5 — — — — — 13 
Accruing Substandard53 6 — — — — 6 — 65 
Nonaccrual— — 1 — — — — — 1 
Total construction and land development499 554 381 47 1 1 630 49 2,162 
Total commercial real estate3,542 1,820 1,741 2,286 1,010 1,790 974 233 13,396 
December 31, 2025
Term loansRevolving loans amortized cost basisRevolving loans converted to term loans amortized cost basis
Amortized cost basis by year of origination
(In millions)
2025
2024
2023
2022
2021PriorTotal
Consumer:
1-4 family residential
Pass$917 $847 $867 $3,144 $1,808 $2,812 $— $— $10,395 
Special Mention— — — — — — — — — 
Accruing Substandard— 1 — — — 1 — — 2 
Nonaccrual1 4 5 15 13 27 — — 65 
Total 1-4 family residential918 852 872 3,159 1,821 2,840 — — 10,462 
Home equity credit line
Pass— — — — — — 3,799 111 3,910 
Special Mention— — — — — — — — — 
Accruing Substandard— — — — — — 10 — 10 
Nonaccrual— — — — — — 26 4 30 
Total home equity credit line— — — — — — 3,835 115 3,950 
Construction and other consumer real estate
Pass246 351 87 91 5 2 — — 782 
Special Mention— — — — — — — — — 
Accruing Substandard— — — — — — — — — 
Nonaccrual— — — — — — — — — 
Total construction and other consumer real estate246 351 87 91 5 2 — — 782 
Bankcard and other revolving plans
Pass— — — — — — 511 1 512 
Special Mention— — — — — — — — — 
Accruing Substandard— — — — — — 2 — 2 
Nonaccrual— — — — — — 1 — 1 
Total bankcard and other revolving plans— — — — — — 514 1 515 
Other consumer
Pass55 26 19 11 4 1 — — 116 
Special Mention— — — — — — — — — 
Accruing Substandard— — — — — — — — — 
Nonaccrual— — — — — — — — — 
Total other consumer55 26 19 11 4 1 — — 116 
Total consumer1,219 1,229 978 3,261 1,830 2,843 4,349 116 15,825 
Total loans$10,252 $7,205 $5,114 $8,824 $5,665 $9,135 $14,014 $691 $60,900 
The following schedules present gross charge-offs categorized by year of loan origination for the periods presented:
Three Months Ended September 30, 2026
Term loansRevolving loans
gross charge-offs		Revolving loans converted to term loans gross charge-offs
Gross charge-offs by year of loan origination
(In millions)20262025202420232022PriorTotal
Commercial:
Commercial and industrial$— $— $1 $— $— $1 $3 $1 $6 
Consumer:
Bankcard and other revolving plans— — — — — — 2 — 2 
Other— — — — — 1 — — 1 
Total consumer— — — — — 1 2 — 3 
Total gross charge-offs$— $— $1 $— $— $2 $5 $1 $9 
Nine Months Ended September 30, 2026
Term loansRevolving loans
gross charge-offs		Revolving loans converted to term loans gross charge-offs
Gross charge-offs by year of loan origination
(In millions)20262025202420232022PriorTotal
Commercial:
Commercial and industrial$— $4 $3 $— $— $3 $8 $2 $20 
Owner occupied— — — — — — 1 — 1 
Total commercial— 4 3 — — 3 9 2 21 
Commercial real estate:
Term— — — — — 3 — — 3 
Consumer:
Bankcard and other revolving plans— — — — — — 7 — 7 
Other— — — — — 3 — — 3 
Total consumer— — — — — 3 7 — 10 
Total gross charge-offs$— $4 $3 $— $— $9 $16 $2 $34 
Three Months Ended September 30, 2025
Term loansRevolving loans
gross charge-offs		Revolving loans converted to term loans gross charge-offs
Gross charge-offs by year of loan origination
(In millions)20252024202320222021PriorTotal
Commercial:
Commercial and industrial$— $1 $— $1 $— $1 $55 $— $58 
Municipal— — — — 3 — — — 3 
Total commercial— 1 — 1 3 1 55 — 61 
Commercial real estate:
Term— — 3 — — — — — 3 
Consumer:
Bankcard and other revolving plans— — — — — — 2 — 2 
Other— — — — — 1 — — 1 
Total consumer— — — — — 1 2 — 3 
Total gross charge-offs$— $1 $3 $1 $3 $2 $57 $— $67 
Nine Months Ended September 30, 2025
Term loansRevolving loans
gross charge-offs		Revolving loans converted to term loans gross charge-offs
Gross charge-offs by year of loan origination
(In millions)20252024202320222021PriorTotal
Commercial:
Commercial and industrial$— $2 $2 $2 $3 $12 $68 $— $89 
Municipal— — — — 3 — — — 3 
Total commercial— 2 2 2 6 12 68 — 92 
Commercial real estate:
Term1 — 3 — — — — — 4 
Consumer:
1-4 family residential— — — — 1 2 — — 3 
Home equity credit line— — — — — — 1 — 1 
Bankcard and other revolving plans— — — — — — 6 — 6 
Other— — — — — 1 — — 1 
Total consumer— — — — 1 3 7 — 11 
Total gross charge-offs$1 $2 $5 $2 $7 $15 $75 $— $107 
Summary of TDRs (Accruing and Nonaccruing) Categorized by Loan Class and Modification Type
The amortized cost of loans to borrowers experiencing financial difficulty that were modified during the period, by loan class and modification type, is summarized in the following schedule:
Three Months Ended September 30, 2026
Amortized cost associated with
the following modification types:
(Dollar amounts in millions)Interest
rate reduction		Maturity
or term
extension		Principal
forgiveness		Payment
deferral
Multiple modification types 1
Total 2
Percentage of total loans 3
Commercial:
Commercial and industrial$— $53 $— $— $— $53 0.3 %
Owner-occupied— 24 — — — 24 0.3 
Total commercial— 77 — — — 77 0.2 
Commercial real estate:
Term
— 89 — — 10 99 0.8 
Construction and land development
— 22 — — — 22 0.9 
Total commercial real estate— 111 — — 10 121 0.9 
Total$— $188 $— $— $10 $198 0.3 
Nine Months Ended September 30, 2026
Amortized cost associated with
the following modification types:
(Dollar amounts in millions)Interest
rate reduction		Maturity
or term
extension		Principal
forgiveness		Payment
deferral
Multiple modification types 1
Total 2
Percentage of total loans 3
Commercial:
Commercial and industrial$— $84 $— $— $4 $88 0.5 %
Owner-occupied— 38 — — — 38 0.4 
Total commercial— 122 — — 4 126 0.4 
Commercial real estate:
Term
— 225 — — 77 302 2.6 
Construction and land development
— 32 — — — 32 1.3 
Total commercial real estate— 257 — — 77 334 2.4 
Consumer:
1-4 family residential— — — — 1 1 — 
Total$— $379 $— $— $82 $461 0.7 
Three Months Ended September 30, 2025
Amortized cost associated with
the following modification types:
(Dollar amounts in millions)Interest
rate reduction		Maturity
or term
extension		Principal
forgiveness		Payment
deferral
Multiple modification types 1
Total 2
Percentage of total loans 3
Commercial:
Commercial and industrial$— $58 $— $— $— $58 0.3 %
Owner-occupied— 23 — — — 23 0.2 
Total commercial— 81 — — — 81 0.3 
Commercial real estate:
Term
— 128 — — — 128 1.2 
Construction and land development
— 1 — — — 1 — 
Total commercial real estate— 129 — — — 129 1.0 
Consumer:
1-4 family residential— — 2 — 4 6 0.1 
Total$— $210 $2 $— $4 $216 0.4 
Nine Months Ended September 30, 2025
Amortized cost associated with
the following modification types:
(Dollar amounts in millions)Interest
rate reduction		Maturity
or term
extension		Principal
forgiveness		Payment
deferral
Multiple modification types 1
Total 2
Percentage of total loans 3
Commercial:
Commercial and industrial$— $106 $— $— $— $106 0.6 %
Owner-occupied— 25 — — — 25 0.3 
Total commercial— 131 — — — 131 0.4 
Commercial real estate:
Term
— 322 — 8 7 337 3.1 
Construction and land development
— 26 — — — 26 1.1 
Total commercial real estate— 348 — 8 7 363 2.7 
Consumer:
1-4 family residential— — 2 — 7 9 0.1 
Home equity credit line— — — — 1 1 — 
Total consumer— — 2 — 8 10 0.1 
Total$— $479 $2 $8 $15 $504 0.8 
1 Includes modifications that resulted from a combination of interest rate reduction, maturity or term extension, principal forgiveness, and payment deferral modifications. During the three and nine months ended September 30, 2026, modified loans totaling $10 million and $78 million, respectively, included both interest rate reductions and maturity or term extensions.
2 Unfunded lending commitments related to loans modified to borrowers experiencing financial difficulty totaled $26 million and
$29 million at September 30, 2026 and September 30, 2025, respectively.
3 Amounts less than 0.05% are rounded to zero.
Loan modifications to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2026, resulted in no principal forgiveness across the total loan portfolio, compared with approximately $2 million of principal forgiveness during the corresponding periods in 2025.
The following schedule presents the financial impact of loan modifications to borrowers experiencing financial difficulty:
Three Months Ended
September 30, 2026		Nine Months Ended
September 30, 2026
Weighted-average interest rate reduction (in percentage points)Weighted-average term extension
(in months)		Weighted-average interest rate reduction (in percentage points)Weighted-average term extension
(in months)
Commercial:
Commercial and industrial— %5— %12
Owner-occupied— 4— 10
Total commercial— 4— 12
Commercial real estate:
Term
0.3 100.8 13
Construction and land development— 3— 6
Total commercial real estate0.3 90.8 13
Consumer:1
1-4 family residential— 03.1 19
Total weighted average financial impact0.3 70.8 12
Three Months Ended
September 30, 2025		Nine Months Ended
September 30, 2025
Weighted-average interest rate reduction (in percentage points)Weighted-average term extension
(in months)		Weighted-average interest rate reduction (in percentage points)Weighted-average term extension
(in months)
Commercial:
Commercial and industrial— %8— %10
Owner-occupied— 3— 19
Total commercial— 7— 11
Commercial real estate:
Term
— 80.1 12
Construction and land development— 3— 8
Total commercial real estate— 80.1 12
Consumer:1
1-4 family residential— 110.9 7
Home equity credit line— 02.8 43
Total consumer— 112.4 9
Total weighted average financial impact— 70.3 11
1 Primarily relates to a small number of loans within each consumer loan class.
The following schedule presents the aging of loans to borrowers experiencing financial difficulty that were modified on or after October 1, 2025 through September 30, 2026, categorized by portfolio segment and loan class:
September 30, 2026
(In millions)Current30-89 days
past due		90+ days
past due		Total
past due		Total
amortized cost of loans
Commercial:
Commercial and industrial$109 $2 $— $2 $111 
Owner-occupied38 — 3 3 41 
Total commercial147 2 3 5 152 
Commercial real estate:
Term395 — — — 395 
Construction and land development32 — — — 32 
Total commercial real estate427 — — — 427 
Consumer:
1-4 family residential2 — — — 2 
Home equity credit line1 — — — 1 
Total consumer3 — — — 3 
Total$577 $2 $3 $5 $582 
The following schedule presents the aging of loans to borrowers experiencing financial difficulty that were modified on or after October 1, 2024 through September 30, 2025, categorized by portfolio segment and loan class:
September 30, 2025
(In millions)Current30-89 days
past due		90+ days
past due		Total
past due		Total
amortized cost of loans
Commercial:
Commercial and industrial$104 $2 $— $2 $106 
Owner-occupied32 — 1 1 33 
Total commercial136 2 1 3 139 
Commercial real estate:
Term352 18 10 28 380 
Construction and land development26 — — — 26 
Total commercial real estate378 18 10 28 406 
Consumer:
1-4 family residential10 1 1 2 12 
Home equity credit line1 1 — 1 2 
Total consumer11 2 1 3 14 
Total$525 $22 $12 $34 $559 
Summary of Collateral-Dependent Loans
Select information on loans for which the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the underlying collateral, including the type of collateral and the extent to which the collateral secures the loans, is summarized as follows:
September 30, 2026
(Dollar amounts in millions)Amortized costMajor types of collateral
Weighted average LTV 1
Commercial:
Owner-occupied18 Agriculture production and office buildings46%
Commercial real estate:
Term28 Office and industrial buildings51%
Consumer:
1-4 family residential3 Single family residential80%
Total$49 
December 31, 2025
(Dollar amounts in millions)Amortized costMajor types of collateral
Weighted average LTV 1
Commercial:
Commercial and industrial$3 Single family residential71%
Owner occupied23 Agriculture production and industrial buildings67%
Municipal2 Multifamily apartments93%
Commercial real estate:
Term37 Office building98%
Consumer:
1-4 family residential5 Single family residential62%
Total$70 
1 The fair value is based on the most recent appraisal or other collateral evaluation.