As of September 30, 2026, the ACL was $480 million, a decrease of $5 million from the December 31, 2025 balance of $485 million. The decrease in the ACL primarily reflects lower loan balances, partially offset by the impact of credit migration trends and changes in the economic assumptions incorporated into the Company's credit loss models. The Company estimates expected credit losses using internally developed models that project PD and LGD for loans and leases, incorporating forecasted economic conditions and relevant macroeconomic variables. Management evaluates multiple economic scenarios at each measurement date and selects the scenario determined to be most probable based on current economic conditions. Forecast assumptions are updated periodically and incorporated into the ACL calculation. Changes in projected macroeconomic variables over the forecast period may materially impact the ACL, with uncertainty increasing over longer projection horizons.

Management reviewed the results derived from the economic scenarios and sensitivity analyses of changes in macroeconomic variables and considered these factors in evaluating qualitative adjustments. Along with the quantitative results produced by the models, management also considers prepayment speeds and other qualitative factors when determining the ACL. Qualitative adjustments are applied to address risks and uncertainties that may not be fully reflected in the modeled estimate, including changes in economic conditions, portfolio trends, concentrations of credit risk, and other internal and external factors that could affect expected credit losses. This approach helps ensure that the allowance remains appropriately resilient and responsive to emerging risks, thereby supporting the resilience of the Bank's credit portfolio. These qualitative adjustments supplement the modeled estimate and reflect management's assessment of risks and uncertainties that may not be fully captured by the quantitative analysis. As of September 30, 2026, the Company evaluated qualitative factors and applied a net upward adjustment to the quantitative results for the ACL as set forth above, reflecting risks and uncertainties similar to those considered as of December 31, 2025.

The following tables summarize activity related to the ACL by portfolio segment for the periods indicated:


	Three Months Ended September 30, 2026
(in millions)	Commercial Real Estate		Commercial		Residential		Consumer & Other		Total
Allowance for credit losses on loans and leases
Balance, beginning of period	$	217	$	214	$	21	$	6	$	458

Provision (recapture) for credit losses on loans and leases	2		28		(1)		3		32
Charge-offs	—		(33)		—		(3)		(36)
Recoveries	1		7		—		—		8
Net charge-offs	1		(26)		—		(3)		(28)
Balance, end of period	$	220	$	216	$	20	$	6	$	462
Reserve for unfunded commitments
Balance, beginning of period	$	9	$	6	$	1	$	1	$	17

Provision of credit losses on unfunded commitments	1		—		—		—		1
Balance, end of period	10		6		1		1		18
Total allowance for credit losses	$	230	$	222	$	21	$	7	$	480

	Nine Months Ended September 30, 2026
(in millions)	Commercial Real Estate		Commercial		Residential		Consumer & Other		Total
Allowance for credit losses on loans and leases
Balance, beginning of period	$	198	$	226	$	34	$	8	$	466

Provision (recapture) for credit losses on loans and leases	22		79		(14)		2		89
Charge-offs	(1)		(104)		—		(6)		(111)
Recoveries	1		15		—		2		18
Net charge-offs	—		(89)		—		(4)		(93)
Balance, end of period	$	220	$	216	$	20	$	6	$	462
Reserve for unfunded commitments
Balance, beginning of period	$	10	$	7	$	1	$	1	$	19

Recapture for credit losses on unfunded commitments	—		(1)		—		—		(1)
Balance, end of period	10		6		1		1		18
Total allowance for credit losses	$	230	$	222	$	21	$	7	$	480


	Three Months Ended September 30, 2025
(in millions)	Commercial Real Estate		Commercial		Residential		Consumer & Other		Total
Allowance for credit losses on loans and leases
Balance, beginning of period	$	160	$	220	$	34	$	7	$	421
Initial ACL on PCD loans acquired during the period	4		1		—		—		$	5
Provision for credit losses on loans and leases	44		22		2		1		69
Charge-offs	(3)		(22)		—		(2)		(27)
Recoveries	—		4		—		1		5
Net charge-offs	(3)		(18)		—		(1)		(22)
Balance, end of period	$	205	$	225	$	36	$	7	$	473
Reserve for unfunded commitments
Balance, beginning of period	$	8	$	8	$	1	$	1	$	18
Provision (recapture) for credit losses on unfunded commitments	2		(1)		—		—		1
Balance, end of period	10		7		1		1		19
Total allowance for credit losses	$	215	$	232	$	37	$	8	$	492

	Nine Months Ended September 30, 2025
(in millions)	Commercial Real Estate		Commercial		Residential		Consumer & Other		Total
Allowance for credit losses on loans and leases
Balance, beginning of period	$	154	$	219	$	45	$	7	$	425
Initial ACL on PCD loans acquired during the period	4		1		—		—		5
Provision (recapture) for credit losses on loans and leases	50		80		(8)		2		124
Charge-offs	(3)		(88)		(1)		(4)		(96)
Recoveries	—		13		—		2		15
Net charge-offs	(3)		(75)		(1)		(2)		(81)
Balance, end of period	$	205	$	225	$	36	$	7	$	473
Reserve for unfunded commitments
Balance, beginning of period	$	6	$	7	$	2	$	1	$	16
Provision (recapture) for credit losses on unfunded commitments	4		—		(1)		—		3
Balance, end of period	10		7		1		1		19
Total allowance for credit losses	$	215	$	232	$	37	$	8	$	492

The Bank actively manages asset quality and controls credit risk through diversification of the loan and lease portfolio and the application of policies designed to promote sound underwriting and loan and lease monitoring practices. The Bank's Credit Quality Administration department is charged with monitoring asset quality, establishing credit policies and procedures, and enforcing the consistent application of these policies and procedures across the Bank. The Bank conducts ongoing reviews of non-performing, past due loans and leases and larger credits, designed to identify potential charges to the ACL, and to determine the adequacy of the ACL. These reviews incorporate a variety of factors, including the financial strength of borrowers, collateral valuations, loan and lease loss experience, estimated loan and lease losses, growth in the loan and lease portfolio, prevailing economic conditions, and other relevant factors.

Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Loans are placed on non-accrual status when, in management's opinion, the borrower may be unable to meet payment obligations as they become due, as well as when required by regulatory provisions. As of September 30, 2026, there were no non-accrual loans and leases without a related ACL, compared to $2 million as of December 31, 2025. This excludes collateral-dependent loans and leases that had been written down to net realizable value, and therefore did not require an associated ACL, which totaled $79 million and $67 million, at September 30, 2026 and December 31, 2025, respectively. The remaining non-accrual loan balances were substantially covered by government guarantees. The Company recognized no interest income on non-accrual loans and leases during the three and nine months ended September 30, 2026 and 2025.

The following tables present the carrying value of the loans and leases past due, by loan and lease class, as of the dates presented:


	September 30, 2026
(in millions)	Greater than 30 to 59 Days Past Due		60 to 89 Days Past Due		90 Days or More and Accruing (2)		Total Past Due		Non-Accrual (2)		Current and Other		Total Loans and Leases
Commercial real estate
Non-owner occupied term	$	8	$	—	$	—	$	8	$	28	$	7,302	$	7,338
Owner occupied term	10		1		1		12		56		7,151		7,219
Multifamily	2		4		—		6		—		9,931		9,937
Construction & development	—		—		—		—		—		1,642		1,642
Residential development	—		—		—		—		—		361		361
Commercial
Term	2		2		—		4		25		7,068		7,097
Lines of credit & other	8		2		13		23		30		4,002		4,055
Leases & equipment finance	14		15		3		32		18		1,568		1,618
Residential
Mortgage (1)	—		14		72		86		—		5,227		5,313
Home equity loans & lines	9		3		8		20		—		2,159		2,179
Consumer & other	1		—		—		1		—		155		156
Total, net of deferred fees and costs	$	54	$	41	$	97	$	192	$	157	$	46,566	$	46,915


	December 31, 2025
(in millions)	Greater than 30 to 59 Days Past Due		60 to 89 Days Past Due		90 Days or More and Accruing (2)		Total Past Due		Non-Accrual (2)		Current and Other		Total Loans and Leases
Commercial real estate
Non-owner occupied term	$	2	$	—	$	—	$	2	$	29	$	8,175	$	8,206
Owner occupied term	6		5		1		12		21		7,281		7,314
Multifamily	—		1		1		2		—		10,279		10,281
Construction & development	—		—		—		—		—		1,707		1,707
Residential development	—		—		—		—		—		362		362
Commercial
Term	2		7		2		11		25		6,677		6,713
Lines of credit & other	4		3		1		8		22		3,613		3,643
Leases & equipment finance	17		18		5		40		19		1,540		1,599
Residential
Mortgage (1)	—		16		66		82		—		5,542		5,624
Home equity loans & lines	8		5		9		22		—		2,127		2,149
Consumer & other	—		—		—		—		—		178		178
Total, net of deferred fees and costs	$	39	$	55	$	85	$	179	$	116	$	47,481	$	47,776

Loans and leases are classified as collateral-dependent when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. The following tables summarize the amortized cost basis of the collateral-dependent loans and leases by the type of collateral securing the assets as of the periods indicated:


	September 30, 2026
(in millions)	Residential Real Estate		Commercial Real Estate		General Business Assets		Total
Commercial real estate
Non-owner occupied term	$	—	$	26	$	—	$	26
Owner occupied term	—		52		—		52



Commercial
Term	1		3		14		18
Lines of credit & other	—		4		24		28
Leases & equipment finance	—		—		18		18
Residential
Mortgage	81		—		—		81
Home equity loans & lines	2		—		—		2

Total, net of deferred fees and costs	$	84	$	85	$	56	$	225


	Three Months Ended September 30, 2026
(in millions)	Interest Rate Reduction		Term Extension		Other -Than-Insignificant Payment Delay		Combo - Term Extension and Other-than-Insignificant Payment Delay		Total		% of Total Class of Financing Receivable
Commercial real estate
Non-owner occupied term	$	—	$	4	$	—	$	—	$	4	0.05	%
Owner occupied term	5		10		—		—		15		0.21	%



Commercial

Lines of credit & other	—		11		—		—		11		0.27	%
Leases & equipment finance	—		1		—		—		1		0.06	%
Residential
Mortgage	—		—		9		4		13		0.24	%


Total modified loans and leases experiencing financial difficulty	$	5	$	26	$	9	$	4	$	44	0.09	%


	Nine Months Ended September 30, 2026
(in millions)	Interest Rate Reduction		Term Extension		Other -Than-Insignificant Payment Delay		Combo - Interest Rate Reduction and Term Extension		Combo - Term Extension and Other-Than- Insignificant Payment Delay		Total		% of Total Class of Financing Receivable
Commercial real estate
Non-owner occupied term	$	13	$	4	$	—	$	—	$	—	$	17	0.23	%
Owner occupied term	5		10		28		—		—		43		0.60	%

Construction & development	—		3		—		—		—		3		0.18	%

Commercial
Term	5		3		2		—		—		10		0.14	%
Lines of credit & other	—		60		—		—		—		60		1.48	%
Leases & equipment finance	—		2		—		—		—		2		0.12	%
Residential
Mortgage	—		—		19		1		10		30		0.56	%


Total modified loans and leases experiencing financial difficulty	$	23	$	82	$	49	$	1	$	10	$	165	0.35	%


	Three Months Ended September 30, 2025
(in millions)	Term Extension		Other -Than-Insignificant Payment Delay		Combination - Interest Rate Reduction and Term Extension		Combination - Term Extension and Other-than-Insignificant Payment Delay		Total		% of Total Class of Financing Receivable
Commercial real estate
Non-owner occupied term	$	4	$	—	$	—	$	—	$	4	0.05	%
Owner occupied term	7		—		1		—		8		0.11	%

Construction & development	3		—		15		—		18		0.87	%

Commercial
Term	—		—		1		—		1		0.02	%
Lines of credit & other	4		—		—		—		4		0.11	%
Leases & equipment finance	1		—		—		—		1		0.06	%
Residential
Mortgage	—		6		—		3		9		0.16	%


Total modified loans and leases experiencing financial difficulty	$	19	$	6	$	17	$	3	$	45	0.09	%


	Nine Months Ended September 30, 2025
(in millions)	Term Extension		Other -Than-Insignificant Payment Delay		Combination - Interest Rate Reduction and Term Extension		Combo - Term Extension and Other-Than-Insignificant Payment Delay		Total		% of Total Class of Financing Receivable
Commercial real estate
Non-owner occupied term	$	4	$	—	$	21	$	—	$	25	0.30	%
Owner occupied term	9		11		1		—		21		0.29	%

Construction & development	3		—		15		—		18		0.87	%

Commercial
Term	1		7		11		—		19		0.29	%
Lines of credit & other	11		1		—		1		13		0.36	%
Leases & equipment finance	3		—		—		—		3		0.19	%
Residential
Mortgage	—		18		—		5		23		0.40	%


Total modified loans and leases experiencing financial difficulty	$	31	$	37	$	48	$	6	$	122	0.25	%

The following tables present the financial effect of loan modifications made to borrowers experiencing financial difficulty during the periods presented:


	Three Months Ended September 30, 2026
	Interest Rate Reduction		Term Extension	Other-Than-Insignificant Payment Delay
(in millions)	Weighted-Average Interest Rate Reduction		Weighted-Average Term Extension	Deferral Amount
Commercial real estate
Non-owner occupied term	—		6 months	—
Owner occupied term	4.40	%	2.5 years	—



Commercial
Term	8.62	%	—	—
Lines of credit & other	—		5 months	—
Leases & equipment finance	—		1.1 years	—
Residential
Mortgage	—		11.5 years	$	1


	Nine Months Ended September 30, 2026
	Interest Rate Modification		Term Extension	Other-Than-Insignificant Payment Delay
(in millions)	Weighted-Average Interest Rate Reduction		Weighted-Average Term Extension	Deferral Amount
Commercial real estate
Non-owner occupied term	6.41	%	5 months	—
Owner occupied term	4.40		2.5 years	$	28

Construction & development	—		7 months	—

Commercial
Term	5.00	%	9 months	—
Lines of credit & other	—		8 months	—
Leases & equipment finance	—		1.1 years	—
Residential
Mortgage	—		11.9 years	$	2


	Three Months Ended September 30, 2025
	Interest Rate Modification		Term Extension	Other-Than-Insignificant Payment Delay
(in millions)	Weighted-Average Interest Rate Reduction		Weighted-Average Term Extension	Deferral Amount
Commercial real estate
Non-owner occupied term	—		9 months	—
Owner occupied term	0.80	%	3 months	—

Construction & development	8.20	%	4 months	—

Commercial
Term	3.00	%	2.3 years	—
Lines of credit & other	—		8 months	—
Leases & equipment finance	—		1.0 year	—
Residential
Mortgage	—		13.0 years	$	1


	Nine Months Ended September 30, 2025
	Interest Rate Modification		Term Extension	Other-Than-Insignificant Payment Delay
(in millions)	Weighted-Average Interest Rate Reduction		Weighted-Average Term Extension	Deferral Amount
Commercial real estate
Non-owner occupied term	3.54	%	1.7 years	—
Owner occupied term	0.80	%	4 months	$	1

Construction & development	8.20	%	4 months	—

Commercial
Term	3.41	%	1.9 years	$	1
Lines of credit & other	—		8 months	$	3
Leases & equipment finance	—		1.1 years	—
Residential
Mortgage	—		11.9 years	$	2

The Company closely monitors the performance of loans and leases to borrowers experiencing financial difficulty that are modified to understand the effectiveness of its modification efforts. Loans and leases are considered to be in payment default at 90 or more days past due. The Company did not identify any loans modified for borrowers experiencing financial difficulty that experienced a subsequent default within twelve months of modification during the three months ended September 30, 2026. The following tables present the amortized cost basis of modified loans that, within twelve months of the modification date, experienced a subsequent default during the periods presented:

The following tables present an age analysis of loans and leases as of September 30, 2026 and 2025 that have been modified within the prior twelve months:


	September 30, 2026
(in millions)	Current		Greater than 30 to 59 Days Past Due		60 to 89 Days Past Due		90 Days or Greater Past Due		Nonaccrual		Total
Commercial real estate
Non-owner occupied term	$	4	$	1	$	—	$	—	$	13	$	18
Owner occupied term	17		—		—		—		30		47

Construction & development	3		—		—		—		—		3

Commercial
Term	13		—		—		—		—		13
Lines of credit & other	45		—		—		—		17		62
Leases & equipment finance	2		—		—		—		—		2
Residential
Mortgage	29		—		3		4		—		36


Total loans and leases modified	$	113	$	1	$	3	$	4	$	60	$	181


	September 30, 2025
(in millions)	Current		Greater than 30 to 59 Days Past Due		60 to 89 Days Past Due		90 Days or Greater Past Due		Nonaccrual		Total
Commercial real estate
Non-owner occupied term	$	25	$	—	$	—	$	—	$	—	$	25
Owner occupied term	21		—		—		—		1		22

Construction & development	18		—		—		—		—		18

Commercial
Term	14		2		4		—		9		29
Lines of credit & other	8		1		—		—		5		14
Leases & equipment finance	2		—		—		—		—		2
Residential
Mortgage	24		—		2		5		—		31


Total loans and leases modified	$	112	$	3	$	6	$	5	$	15	$	141

Management regularly reviews loans and leases in the portfolio to assess credit quality indicators and to determine appropriate loan classification and grading. The Bank separates its loans and lease portfolios into homogeneous and non-homogeneous categories. Homogeneous loans are rated based on past due status and may enter a higher risk rating scale if modified, requiring six months of timely payments to return to the lower risk rating scale. Non-homogeneous loans use a dual risk rating approach: the PD scale measures the likelihood of default, and the LGD scale measures potential loss if a default occurs. The product of PD and LGD gives the expected loss, providing a common language of credit risk across different loans. For more information about the Company's credit quality indicators, refer to Note 6 – Allowance for Credit Losses included in the Company's Annual Report on Form 10-K for the year ended December 31, 2025.

The following tables present the amortized cost basis of the loans and leases by credit classification and vintage year by loan and lease class of financing receivable, as well as gross charge-offs for the dates presented:


(in millions)		Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Revolving to Non-Revolving Loans Amortized Cost
	September 30, 2026	2026		2025		2024		2023		2022		Prior						Total
Commercial real estate:
Non-owner occupied term
Credit quality indicator:
	Pass/Watch	$	225	$	690	$	239	$	463	$	1,604	$	3,910	$	25	$	—	$	7,156
	Special mention	—		11		11		—		10		41		—		—		73
	Substandard	20		22		—		—		3		62		—		—		107

	Loss	—		—		—		—		—		2		—		—		2
Total non-owner occupied term		$	245	$	723	$	250	$	463	$	1,617	$	4,015	$	25	$	—	$	7,338
Current YTD period:
	Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	1	$	—	$	—	$	1
Owner occupied term
Credit quality indicator:
	Pass/Watch	$	637	$	826	$	494	$	500	$	1,273	$	3,122	$	28	$	—	$	6,880
	Special mention	18		36		33		5		41		34		1		1		169
	Substandard	5		34		4		9		20		93		—		—		165
	Doubtful	—		—		—		—		3		—		—		—		3
	Loss	—		—		—		—		—		2		—		—		2
Total owner occupied term		$	660	$	896	$	531	$	514	$	1,337	$	3,251	$	29	$	1	$	7,219
Current YTD period:
	Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Multifamily
Credit quality indicator:
	Pass/Watch	$	285	$	476	$	327	$	356	$	2,757	$	5,501	$	118	$	—	$	9,820
	Special mention	7		—		2		29		7		42		—		—		87
	Substandard	—		—		—		—		30		—		—		—		30


Total multifamily		$	292	$	476	$	329	$	385	$	2,794	$	5,543	$	118	$	—	$	9,937
Current YTD period:
	Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Construction & development
Credit quality indicator:
	Pass/Watch	$	287	$	599	$	324	$	245	$	68	$	67	$	—	$	—	$	1,590
	Special mention	17		—		3		13		8		—		11		—		52



Total construction & development		$	304	$	599	$	327	$	258	$	76	$	67	$	11	$	—	$	1,642
Current YTD period:
	Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Residential development
Credit quality indicator:
	Pass/Watch	$	62	$	93	$	20	$	2	$	6	$	—	$	171	$	2	$	356
	Special mention	—		—		—		—		—		—		5		—		5



Total residential development		$	62	$	93	$	20	$	2	$	6	$	—	$	176	$	2	$	361
Current YTD period:
	Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Total commercial real estate		$	1,563	$	2,787	$	1,457	$	1,622	$	5,830	$	12,876	$	359	$	3	$	26,497


(in millions)		Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Revolving to Non-Revolving Loans Amortized Cost
	September 30, 2026	2026		2025		2024		2023		2022		Prior						Total
Commercial:
Term
Credit quality indicator:
	Pass/Watch	$	1,455	$	995	$	807	$	317	$	634	$	1,273	$	1,418	$	13	$	6,912
	Special mention	9		12		42		8		17		6		2		—		96
	Substandard	13		21		12		3		10		24		1		1		85
	Doubtful	—		—		—		—		1		—		—		—		1
	Loss	—		—		—		—		—		3		—		—		3
Total term		$	1,477	$	1,028	$	861	$	328	$	662	$	1,306	$	1,421	$	14	$	7,097
Current YTD period:
	Gross charge-offs	$	—	$	2	$	5	$	1	$	2	$	2	$	—	$	—	$	12
Lines of credit & other
Credit quality indicator:
	Pass/Watch	$	85	$	79	$	57	$	29	$	26	$	22	$	3,477	$	29	$	3,804
	Special mention	—		7		2		—		2		—		133		2		146
	Substandard	1		4		8		—		16		1		54		19		103

	Loss	—		—		1		—		1		—		—		—		2
Total lines of credit & other		$	86	$	90	$	68	$	29	$	45	$	23	$	3,664	$	50	$	4,055
Current YTD period:
	Gross charge-offs	$	—	$	—	$	5	$	1	$	—	$	1	$	5	$	29	$	41
Leases & equipment finance
Credit quality indicator:
	Pass/Watch	$	517	$	425	$	284	$	172	$	88	$	31	$	—	$	—	$	1,517
	Special mention	3		5		13		5		1		—		—		—		27
	Substandard	4		6		5		25		4		—		—		—		44
	Doubtful	3		8		8		6		3		1		—		—		29
	Loss	—		1		—		—		—		—		—		—		1
Total leases & equipment finance		$	527	$	445	$	310	$	208	$	96	$	32	$	—	$	—	$	1,618
Current YTD period:
	Gross charge-offs	$	—	$	12	$	16	$	11	$	8	$	4	$	—	$	—	$	51

Total commercial		$	2,090	$	1,563	$	1,239	$	565	$	803	$	1,361	$	5,085	$	64	$	12,770

Residential:
Mortgage
Credit quality indicator:
	Pass/Watch	$	186	$	216	$	187	$	152	$	1,517	$	2,973	$	—	$	—	$	5,231
	Special mention	2		2		1		1		—		7		—		—		13
	Substandard	1		2		2		2		5		12		—		—		24

	Loss	2		10		4		4		7		18		—		—		45
Total mortgage		$	191	$	230	$	194	$	159	$	1,529	$	3,010	$	—	$	—	$	5,313
Current YTD period:
	Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


(in millions)		Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Revolving to Non-Revolving Loans Amortized Cost
	September 30, 2026	2026		2025		2024		2023		2022		Prior						Total
Home equity loans & lines
Credit quality indicator:
	Pass/Watch	$	—	$	—	$	2	$	6	$	9	$	64	$	2,043	$	34	$	2,158
	Special mention	—		—		—		1		1		2		9		2		15


	Loss	—		—		2		—		—		1		2		1		6
Total home equity loans & lines		$	—	$	—	$	4	$	7	$	10	$	67	$	2,054	$	37	$	2,179
Current YTD period:
	Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Total residential		$	191	$	230	$	198	$	166	$	1,539	$	3,077	$	2,054	$	37	$	7,492

Consumer & other:
Credit quality indicator:
	Pass/Watch	$	14	$	4	$	4	$	6	$	4	$	7	$	115	$	1	$	155
	Special mention	—		—		—		—		—		—		1		—		1



Total consumer & other		$	14	$	4	$	4	$	6	$	4	$	7	$	116	$	1	$	156
Current YTD period:
	Gross charge-offs	$	1	$	1	$	—	$	—	$	—	$	1	$	2	$	1	$	6

Grand total		$	3,858	$	4,584	$	2,898	$	2,359	$	8,176	$	17,321	$	7,614	$	105	$	46,915


(in millions)		Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Revolving to Non-Revolving Loans Amortized Cost
	December 31, 2025	2025		2024		2023		2022		2021		Prior						Total
Commercial real estate:
Non-owner occupied term
Credit quality indicator:
	Pass/Watch	$	815	$	280	$	506	$	1,694	$	1,603	$	3,033	$	35	$	13	$	7,979
	Special mention	2		6		—		10		20		71		—		—		109
	Substandard	27		—		—		22		12		55		—		—		116

	Loss	—		—		—		—		1		1		—		—		2
Total non-owner occupied term		$	844	$	286	$	506	$	1,726	$	1,636	$	3,160	$	35	$	13	$	8,206
Prior Year End period:
	Gross charge-offs	$	—	$	—	$	1	$	—	$	—	$	9	$	—	$	—	$	10
Owner occupied term
Credit quality indicator:
	Pass/Watch	$	921	$	510	$	466	$	1,326	$	1,325	$	2,363	$	24	$	51	$	6,986
	Special mention	20		32		6		55		22		41		—		—		176
	Substandard	4		29		2		12		41		46		—		9		143
	Doubtful	—		3		—		3		—		—		—		—		6
	Loss	—		—		—		—		1		2		—		—		3
Total owner occupied term		$	945	$	574	$	474	$	1,396	$	1,389	$	2,452	$	24	$	60	$	7,314
Prior Year End period:
	Gross charge-offs	$	—	$	—	$	—	$	1	$	—	$	—	$	—	$	—	$	1
Multifamily
Credit quality indicator:
	Pass/Watch	$	455	$	348	$	367	$	2,787	$	3,195	$	2,958	$	118	$	—	$	10,228
	Special mention	—		—		14		9		—		22		—		—		45
	Substandard	—		—		—		3		2		3		—		—		8


Total multifamily		$	455	$	348	$	381	$	2,799	$	3,197	$	2,983	$	118	$	—	$	10,281
Prior Year End period:
	Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Construction & development
Credit quality indicator:
	Pass/Watch	$	345	$	407	$	391	$	241	$	98	$	92	$	28	$	2	$	1,604
	Special mention	12		12		32		1		—		—		—		8		65
	Substandard	38		—		—		—		—		—		—		—		38


Total construction & development		$	395	$	419	$	423	$	242	$	98	$	92	$	28	$	10	$	1,707
Prior Year End period:
	Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Residential development
Credit quality indicator:
	Pass/Watch	$	99	$	57	$	2	$	8	$	—	$	—	$	194	$	2	$	362




Total residential development		$	99	$	57	$	2	$	8	$	—	$	—	$	194	$	2	$	362
Prior Year End period:
	Gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Total commercial real estate		$	2,738	$	1,684	$	1,786	$	6,171	$	6,320	$	8,687	$	399	$	85	$	27,870


(in millions)		Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Revolving to Non-Revolving Loans Amortized Cost
	December 31, 2025	2025		2024		2023		2022		2021		Prior						Total
Commercial:
Term
Credit quality indicator:
	Pass/Watch	$	1,571	$	701	$	395	$	800	$	763	$	851	$	1,328	$	21	$	6,430
	Special mention	13		22		49		53		23		2		11		—		173
	Substandard	25		12		2		43		5		4		3		2		96
	Doubtful	2		—		—		4		1		2		—		—		9
	Loss	—		—		—		—		2		3		—		—		5
Total term		$	1,611	$	735	$	446	$	900	$	794	$	862	$	1,342	$	23	$	6,713
Prior Year End period:
	Gross charge-offs	$	—	$	1	$	1	$	1	$	1	$	2	$	—	$	—	$	6
Lines of credit & other
Credit quality indicator:
	Pass/Watch	$	119	$	70	$	28	$	42	$	10	$	18	$	3,052	$	106	$	3,445
	Special mention	1		—		—		—		—		—		74		5		80
	Substandard	4		15		—		1		—		—		80		15		115
	Doubtful	—		—		—		—		—		—		—		1		1
	Loss	—		—		—		—		—		—		1		1		2
Total lines of credit & other		$	124	$	85	$	28	$	43	$	10	$	18	$	3,207	$	128	$	3,643
Prior Year End period:
	Gross charge-offs	$	—	$	17	$	—	$	1	$	—	$	1	$	8	$	5	$	32
Leases & equipment finance
Credit quality indicator:
	Pass/Watch	$	585	$	399	$	268	$	160	$	35	$	34	$	—	$	—	$	1,481
	Special mention	3		16		8		3		1		—		—		—		31
	Substandard	6		7		32		7		1		—		—		—		53
	Doubtful	5		9		9		7		2		—		—		—		32
	Loss	—		1		1		—		—		—		—		—		2
Total leases & equipment finance		$	599	$	432	$	318	$	177	$	39	$	34	$	—	$	—	$	1,599
Prior Year End period:
	Gross charge-offs	$	2	$	16	$	22	$	22	$	8	$	3	$	—	$	—	$	73

Total commercial		$	2,334	$	1,252	$	792	$	1,120	$	843	$	914	$	4,549	$	151	$	11,955

Residential:
Mortgage
Credit quality indicator:
	Pass/Watch	$	242	$	230	$	174	$	1,645	$	1,828	$	1,425	$	—	$	—	$	5,544
	Special mention	3		—		2		3		3		5		—		—		16
	Substandard	2		2		1		5		8		8		—		—		26

	Loss	6		6		3		4		7		12		—		—		38
Total mortgage		$	253	$	238	$	180	$	1,657	$	1,846	$	1,450	$	—	$	—	$	5,624
Prior Year End period:
	Gross charge-offs	$	—	$	—	$	—	$	—	$	1	$	—	$	—	$	—	$	1


(in millions)		Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Revolving to Non-Revolving Loans Amortized Cost
	December 31, 2025	2025		2024		2023		2022		2021		Prior						Total
Home equity loans & lines
Credit quality indicator:
	Pass/Watch	$	1	$	1	$	2	$	6	$	2	$	45	$	2,032	$	39	$	2,128
	Special mention	—		—		—		—		—		2		8		2		12
	Substandard	—		—		—		—		—		—		1		1		2

	Loss	—		—		—		1		—		1		1		4		7
Total home equity loans & lines		$	1	$	1	$	2	$	7	$	2	$	48	$	2,042	$	46	$	2,149
Prior Year End period:
	Gross charge-offs	$	—	$	—	$	—	$	1	$	—	$	—	$	—	$	—	$	1

Total residential		$	254	$	239	$	182	$	1,664	$	1,848	$	1,498	$	2,042	$	46	$	7,773

Consumer & other:
Credit quality indicator:
	Pass/Watch	$	18	$	6	$	10	$	6	$	3	$	6	$	128	$	—	$	177
	Special mention	—		—		—		—		—		—		1		—		1



Total consumer & other		$	18	$	6	$	10	$	6	$	3	$	6	$	129	$	—	$	178
Prior Year End period:
	Gross charge-offs	$	2	$	1	$	—	$	—	$	—	$	—	$	2	$	—	$	5

Grand total		$	5,344	$	3,181	$	2,770	$	8,961	$	9,014	$	11,105	$	7,119	$	282	$	47,776