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Loans And Allowance For Credit Losses (Tables)
 9 Months Ended
Sep. 30, 2025
Receivables [Abstract]  
Summary Classification Of Held For Investment Loan Portfolio
Major classifications within the Company’s held for investment loan portfolio at September 30, 2025 and December 31, 2024 are as follows:

(In thousands)
September 30, 2025December 31, 2024
Commercial:
Business$6,414,792 $6,053,820 
Real estate – construction and land1,433,652 1,409,901 
Real estate – business3,745,000 3,661,218 
Personal Banking:
Real estate – personal3,070,980 3,058,195 
Consumer2,171,599 2,073,123 
Revolving home equity364,241 356,650 
Consumer credit card575,317 595,930 
Overdrafts11,186 11,266 
Total loans$17,786,767 $17,220,103 
CECL Model Inputs
Key assumptions in the Company’s allowance for credit loss model include the economic forecast, the reasonable and supportable period, forecasted macro-economic variables, prepayment assumptions and qualitative factors applied for portfolio composition changes, underwriting practices, or significant unique events or conditions. The assumptions utilized in estimating the Company’s allowance for credit losses at September 30, 2025 and June 30, 2025 are discussed below.

Key AssumptionSeptember 30, 2025December 31, 2024
Overall economic forecast
•The US economy faces significant downside risks, including a softer labor market
•Includes an expected 25 basis point Federal Reserve rate cut in December and an additional three 25 basis point cuts in 2026
•Economy expected to expand by 2% in 2026
•The United States economy will grow
•Expansionary fiscal policy and less immigration cause the labor market to tighten, pushing the unemployment rate lower
Reasonable and supportable period and related reversion period
•Reasonable and supportable period of one year
•Reversion to historical average loss rates within two quarters using a straight-line method
•Reasonable and supportable period of one year
•Reversion to historical average loss rates within two quarters using a straight-line method
Forecasted macro-economic variables
•Unemployment rate of 4.4% during the supportable forecast period
•Real GDP growth ranges from 1.6% to 2.2%
•BBB corporate yield from 5.5% to 5.6%
•Housing Price Index from 324.0 to 327.9
•Unemployment rate ranges from 4.2% to 4.3% during the supportable forecast period
•Real GDP growth ranges from 2.5% to 2.7%
•BBB corporate yield from 5.2% to 5.3%
•Housing Price Index from 324.8 to 335.4
Prepayment assumptions
Commercial loans
•5% for most loan pools
Personal banking loans
•Ranging from 8.2% to 23.8% for most loan pools
•Consumer credit cards 66.8%
Commercial loans
•5% for most loan pools
Personal banking loans
•Ranging from 8.9% to 23.1% for most loan pools
•Consumer credit cards 66.5%
Qualitative factors
Added qualitative factors related to:
•Changes in the composition of the loan portfolios
•Certain industries experiencing stress or emerging concerns within the portfolio
•Loans downgraded to special mention, substandard, or non-accrual status
•Consumer credit card, auto, other vehicle and other consumer portfolios loss expectation adjustment
•Certain portfolios where the model assumptions do not capture all identified loss risk
Added qualitative factors related to:
•Changes in the composition of the loan portfolios
•Certain industries experiencing stress or emerging concerns within the portfolio
•Loans downgraded to special mention, substandard, or non-accrual status
•Consumer auto portfolio
•Certain portfolios where the model assumptions do not capture all identified loss risk
Summary Of Activity In The Allowance For Credit Losses
A summary of the activity in the allowance for credit losses on loans and the liability for unfunded lending commitments for the three and nine months ended September 30, 2025 and 2024, respectively, follows:

For the Three Months Ended September 30, 2025
For the Nine Months Ended September 30, 2025
(In thousands)CommercialPersonal Banking

Total
CommercialPersonal Banking

Total
ALLOWANCE FOR CREDIT LOSSES ON LOANS
Balance at beginning of period$106,854 $58,406 $165,260 $106,769 $55,973 $162,742 
Provision for credit losses on loans6,873 13,866 20,739 7,412 36,341 43,753 
Deductions:
   Loans charged off889 11,739 12,628 2,110 35,836 37,946 
   Less recoveries on loans86 2,214 2,300 853 6,269 7,122 
Net loan charge-offs (recoveries)803 9,525 10,328 1,257 29,567 30,824 
Balance September 30, 2025$112,924 $62,747 $175,671 $112,924 $62,747 $175,671 
LIABILITY FOR UNFUNDED LENDING COMMITMENTS
Balance at beginning of period$14,771 $1,234 $16,005 $17,887 $1,048 $18,935 
Provision for credit losses on unfunded lending commitments(756)78 (678)(3,872)264 (3,608)
Balance September 30, 2025$14,015 $1,312 $15,327 $14,015 $1,312 $15,327 
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LIABILITY FOR UNFUNDED LENDING COMMITMENTS$126,939 $64,059 $190,998 $126,939 $64,059 $190,998 

For the Three Months Ended September 30, 2024
For the Nine Months Ended September 30, 2024
(In thousands)CommercialPersonal Banking

Total
CommercialPersonal Banking

Total
ALLOWANCE FOR CREDIT LOSSES ON LOANS
Balance at beginning of period$107,217 $51,340 $158,557 $108,201 $54,194 $162,395 
Provision for credit losses on loans(63)11,924 11,861 (551)27,208 26,657 
Deductions:
   Loans charged off362 11,395 11,757 1,528 33,262 34,790 
   Less recoveries on loans255 1,923 2,178 925 5,652 6,577 
Net loan charge-offs (recoveries)107 9,472 9,579 603 27,610 28,213 
Balance September 30, 2024$107,047 $53,792 $160,839 $107,047 $53,792 $160,839 
LIABILITY FOR UNFUNDED LENDING COMMITMENTS
Balance at beginning of period$19,363 $1,342 $20,705 $23,909 $1,337 $25,246 
Provision for credit losses on unfunded lending commitments(2,715)(6)(2,721)(7,261)(1)(7,262)
Balance September 30, 2024$16,648 $1,336 $17,984 $16,648 $1,336 $17,984 
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LIABILITY FOR UNFUNDED LENDING COMMITMENTS$123,695 $55,128 $178,823 $123,695 $55,128 $178,823 
Aging Information On Past Due And Nonaccrual Loans The following table provides aging information on the Company’s past due and accruing loans, in addition to the balances of loans on non-accrual status, at September 30, 2025 and December 31, 2024.



(In thousands)
Current or Less Than 30 Days Past Due

30 – 89
Days Past Due
90 Days Past Due and Still AccruingNon-accrual



Total
September 30, 2025
Commercial:
Business$6,407,415 $6,323 $799 $255 $6,414,792 
Real estate – construction and land1,433,078 383 — 191 1,433,652 
Real estate – business3,727,793 2,267 — 14,940 3,745,000 
Personal Banking:
Real estate – personal 3,054,874 5,573 9,666 867 3,070,980 
Consumer2,140,052 28,754 2,793 — 2,171,599 
Revolving home equity362,863 760 618 — 364,241 
Consumer credit card560,209 7,448 7,660 — 575,317 
Overdrafts10,952 234 — — 11,186 
Total $17,697,236 $51,742 $21,536 $16,253 $17,786,767 
December 31, 2024
Commercial:
Business$6,051,654 $1,501 $564 $101 $6,053,820 
Real estate – construction and land1,409,681 — — 220 1,409,901 
Real estate – business3,640,643 5,621 — 14,954 3,661,218 
Personal Banking:
Real estate – personal 3,021,017 25,267 10,885 1,026 3,058,195 
Consumer2,029,115 40,398 3,610 — 2,073,123 
Revolving home equity351,056 2,798 819 1,977 356,650 
Consumer credit card579,670 7,622 8,638 — 595,930 
Overdrafts10,953 313 — — 11,266 
Total $17,093,789 $83,520 $24,516 $18,278 $17,220,103 
Risk Category of Loans in Commercial Portfolio
The risk category of loans in the Commercial portfolio as of September 30, 2025 and December 31, 2024 are as follows:

Term Loans Amortized Cost Basis by Origination Year
(In thousands)20252024202320222021PriorRevolving Loans Amortized Cost BasisTotal
September 30, 2025
Business
    Risk Rating:
       Pass$1,319,194 $974,365 $624,134 $441,379 $275,042 $380,683 $2,176,145 $6,190,942 
       Special mention6,442 4,184 5,587 3,955 1,301 1,738 85,100 108,307 
       Substandard318 1,775 4,341 17,268 8,053 967 82,566 115,288 
       Non-accrual— 93 161 — — 1 — 255 
   Total Business:$1,325,954 $980,417 $634,223 $462,602 $284,396 $383,389 $2,343,811 $6,414,792 
Gross write-offs for the nine months ended September 30, 2025
$— $344 $116 $165 $— $10 $1,051 $1,686 
Real estate-construction
    Risk Rating:
       Pass$318,318 $328,321 $398,141 $297,506 $4,069 $3,090 $23,294 $1,372,739 
       Special mention14,181 — — 25,854 — — — 40,035 
       Substandard— — 2,439 — 18,248 — — 20,687 
       Non-accrual— 191 — — — — — 191 
    Total Real estate-construction:$332,499 $328,512 $400,580 $323,360 $22,317 $3,090 $23,294 $1,433,652 
Gross write-offs for the nine months ended September 30, 2025
$— $24 $— $— $— $— $— $24 
Real estate-business
    Risk Rating:
       Pass$965,802 $558,063 $394,876 $592,924 $384,769 $486,977 $119,098 $3,502,509 
       Special mention23,926 46,146 2,821 12,860 980 2,423 13 89,169 
       Substandard— 999 25,295 27,177 13,560 64,397 6,954 138,382 
       Non-accrual— — 144 124 164 14,508 — 14,940 
   Total Real estate-business:$989,728 $605,208 $423,136 $633,085 $399,473 $568,305 $126,065 $3,745,000 
Gross write-offs for the nine months ended September 30, 2025
$— $— $400 $— $— $— $— $400 
Commercial loans
    Risk Rating:
       Pass$2,603,314 $1,860,749 $1,417,151 $1,331,809 $663,880 $870,750 $2,318,537 $11,066,190 
       Special mention44,549 50,330 8,408 42,669 2,281 4,161 85,113 237,511 
       Substandard318 2,774 32,075 44,445 39,861 65,364 89,520 274,357 
       Non-accrual— 284 305 124 164 14,509 — 15,386 
   Total Commercial loans:$2,648,181 $1,914,137 $1,457,939 $1,419,047 $706,186 $954,784 $2,493,170 $11,593,444 
Gross write-offs for the nine months ended September 30, 2025
$— $368 $516 $165 $— $10 $1,051 $2,110 
Term Loans Amortized Cost Basis by Origination Year
(In thousands)20242023202220212020PriorRevolving Loans Amortized Cost BasisTotal
December 31, 2024
Business
    Risk Rating:
       Pass$1,505,299 $956,449 $596,681 $405,669 $148,483 $350,106 $1,887,596 $5,850,283 
       Special mention13,576 7,978 8,941 4,155 263 2,065 34,997 71,975 
       Substandard2,218 5,596 19,145 5,069 928 10,086 88,419 131,461 
       Non-accrual1 47 1 — — 52 — 101 
   Total Business:$1,521,094 $970,070 $624,768 $414,893 $149,674 $362,309 $2,011,012 $6,053,820 
Gross write-offs for the year ended December 31, 2024$200 $275 $40 $53 $— $18 $1,387 $1,973 
Real estate-construction
    Risk Rating:
       Pass$419,562 $442,720 $451,606 $53,462 $3,143 $2,450 $34,075 $1,407,018 
       Special mention— — — — — — — — 
       Substandard— 2,663 — — — — — 2,663 
       Non-accrual220 — — — — — — 220 
    Total Real estate-construction:$419,782 $445,383 $451,606 $53,462 $3,143 $2,450 $34,075 $1,409,901 
Gross write-offs for the year ended December 31, 2024$— $— $— $— $— $— $— $— 
Real estate- business
    Risk Rating:
       Pass$755,498 $604,936 $753,023 $448,041 $363,717 $368,350 $129,868 $3,423,433 
       Special mention324 — 12,383 12,524 1,643 298 — 27,172 
       Substandard1,280 23,420 36,657 18,429 4,416 104,382 7,075 195,659 
       Non-accrual— — 170 — 14,668 116 — 14,954 
   Total Real-estate business:$757,102 $628,356 $802,233 $478,994 $384,444 $473,146 $136,943 $3,661,218 
Gross write-offs for the year ended December 31, 2024$— $— $— $— $— $62 $— $62 
Commercial loans
    Risk Rating:
       Pass$2,680,359 $2,004,105 $1,801,310 $907,172 $515,343 $720,906 $2,051,539 $10,680,734 
       Special mention13,900 7,978 21,324 16,679 1,906 2,363 34,997 99,147 
       Substandard3,498 31,679 55,802 23,498 5,344 114,468 95,494 329,783 
       Non-accrual221 47 171 — 14,668 168 — 15,275 
   Total Commercial loans:$2,697,978 $2,043,809 $1,878,607 $947,349 $537,261 $837,905 $2,182,030 $11,124,939 
Gross write-offs for the year ended December 31, 2024$200 $275 $40 $53 $— $80 $1,387 $2,035 
Risk Category of Loans in Personal Banking Portfolio
The credit quality of Personal Banking loans is monitored primarily on the basis of aging/delinquency, and this information is provided as of September 30, 2025 and December 31, 2024 below.

Term Loans Amortized Cost Basis by Origination Year
(In thousands)20252024202320222021PriorRevolving Loans Amortized Cost BasisTotal
September 30, 2025
Real estate-personal
       Current to 90 days past due$300,852 $334,177 $353,865 $375,031 $449,366 $1,238,685 $8,471 $3,060,447 
       Over 90 days past due— 150 635 1,993 1,582 5,306 — 9,666 
       Non-accrual— — — — 104 763 — 867 
   Total Real estate-personal:$300,852 $334,327 $354,500 $377,024 $451,052 $1,244,754 $8,471 $3,070,980 
Gross write-offs for the nine months ended September 30, 2025
$— $47 $65 $228 $48 $29 $— $417 
Consumer
       Current to 90 days past due$403,858 $285,987 $271,178 $149,318 $104,175 $72,581 $881,709 $2,168,806 
       Over 90 days past due90 414 177 184 123 225 1,580 2,793 
    Total Consumer:$403,948 $286,401 $271,355 $149,502 $104,298 $72,806 $883,289 $2,171,599 
Gross write-offs for the nine months ended September 30, 2025
$325 $2,884 $2,428 $1,414 $589 $280 $1,508 $9,428 
Revolving home equity
       Current to 90 days past due$— $— $— $— $— $— $363,623 $363,623 
       Over 90 days past due— — — — — — 618 618 
   Total Revolving home equity:$— $— $— $— $— $— $364,241 $364,241 
Gross write-offs for the nine months ended September 30, 2025
$— $— $— $— $— $— $15 $15 
Consumer credit card
       Current to 90 days past due$— $— $— $— $— $— $567,657 $567,657 
       Over 90 days past due— — — — — — 7,660 7,660 
   Total Consumer credit card:$— $— $— $— $— $— $575,317 $575,317 
Gross write-offs for the nine months ended September 30, 2025
$— $— $— $— $— $— $24,102 $24,102 
Overdrafts
       Current to 90 days past due$11,186 $— $— $— $— $— $— $11,186 
    Total Overdrafts:$11,186 $— $— $— $— $— $— $11,186 
Gross write-offs for the nine months ended September 30, 2025
$1,874 $— $— $— $— $— $— $1,874 
Personal banking loans
       Current to 90 days past due$715,896 $620,164 $625,043 $524,349 $553,541 $1,311,266 $1,821,460 $6,171,719 
       Over 90 days past due90 564 812 2,177 1,705 5,531 9,858 20,737 
       Non-accrual— — — — 104 763 — 867 
   Total Personal banking loans:$715,986 $620,728 $625,855 $526,526 $555,350 $1,317,560 $1,831,318 $6,193,323 
Gross write-offs for the nine months ended September 30, 2025
$2,199 $2,931 $2,493 $1,642 $637 $309 $25,625 $35,836 
Term Loans Amortized Cost Basis by Origination Year
(In thousands)20242023202220212020PriorRevolving Loans Amortized Cost BasisTotal
December 31, 2024
Real estate-personal
       Current to 90 days past due$387,119 $387,486 $404,680 $482,733 $637,115 $736,217 $10,934 $3,046,284 
       Over 90 days past due665 892 1,431 1,890 3,180 2,827 — 10,885 
       Non-accrual— 8 — 108 — 910 — 1,026 
   Total Real estate-personal:$387,784 $388,386 $406,111 $484,731 $640,295 $739,954 $10,934 $3,058,195 
Gross write-offs for the year ended December 31, 2024$— $82 $115 $83 $— $22 $— $302 
Consumer
       Current to 90 days past due$418,902 $369,855 $228,189 $165,030 $72,314 $49,890 $765,333 $2,069,513 
       Over 90 days past due465 584 406 213 47 367 1,528 3,610 
    Total Consumer:$419,367 $370,439 $228,595 $165,243 $72,361 $50,257 $766,861 $2,073,123 
Gross write-offs for the year ended December 31, 2024$1,438 $3,109 $2,859 $1,308 $540 $255 $2,309 $11,818 
Revolving home equity
       Current to 90 days past due$— $— $— $— $— $— $353,854 $353,854 
       Over 90 days past due— — — — — — 819 819 
       Non-accrual— — — — — — 1,977 $1,977 
   Total Revolving home equity:$— $— $— $— $— $— $356,650 $356,650 
Gross write-offs for the year ended December 31, 2024$— $— $— $— $— $— $— $— 
Consumer credit card
       Current to 90 days past due$— $— $— $— $— $— $587,292 $587,292 
       Over 90 days past due— — — — — — 8,638 8,638 
   Total Consumer credit card:$— $— $— $— $— $— $595,930 $595,930 
Gross write-offs for the year ended December 31, 2024$— $— $— $— $— $— $30,427 $30,427 
Overdrafts
       Current to 90 days past due$11,266 $— $— $— $— $— $— $11,266 
    Total Overdrafts:$11,266 $— $— $— $— $— $— $11,266 
Gross write-offs for the year ended December 31, 2024$2,689 $— $— $— $— $— $— $2,689 
Personal banking loans
       Current to 90 days past due$817,287 $757,341 $632,869 $647,763 $709,429 $786,107 $1,717,413 $6,068,209 
       Over 90 days past due1,130 1,476 1,837 2,103 3,227 3,194 10,985 23,952 
       Non-accrual— 8 — 108 — 910 1,977 3,003 
   Total Personal banking loans:$818,417 $758,825 $634,706 $649,974 $712,656 $790,211 $1,730,375 $6,095,164 
Gross write-offs for the year ended December 31, 2024$4,127 $3,191 $2,974 $1,391 $540 $277 $32,736 $45,236 
Amortized Cost Basis of Collateral-Dependent Loans The following table presents the amortized cost basis of collateral-dependent loans as of September 30, 2025 and December 31, 2024.
(In thousands)Real EstateTotal
September 30, 2025
Commercial:
  Real estate - business$14,508 $14,508 
Total$14,508 $14,508 
December 31, 2024
Commercial:
Real estate - business$14,667 $14,667 
Personal Banking:
Revolving home equity1,977 1,977 
Total$16,644 $16,644 
Outstanding Balance Of Modified Loans to Borrowers Experiencing Financial Difficulty
The following tables present the amortized cost at September 30, 2025 of loans that were modified during the three and nine months ended September 30, 2025 and the amortized cost at September 30, 2024 of loans that were modified during the three and nine months ended September 30, 2024.

For the Three Months Ended September 30, 2025



(Dollars in thousands)
Term ExtensionPayment DelayInterest Rate ReductionTotal% of Total Loan Category
September 30, 2025
Commercial:
Business$42,047 $— $— $42,047 0.7 %
Real estate – business19,253 — — 19,253 0.5 
Personal Banking:
Real estate – personal 31 1,869 — 1,900 0.1 
Consumer— — 19 19 — 
Consumer credit card— — 973 973 0.2 
Total $61,331 $1,869 $992 $64,192 0.4 %
For the Nine Months Ended September 30, 2025
September 30, 2025
Commercial:
Business$60,984 $— $— $60,984 1.0 %
Real estate – business96,549 — — 96,549 2.6 
Personal Banking:
Real estate – personal31 8,249 — 8,280 0.3 
Consumer— 35 79 114 — 
Consumer credit card— — 2,389 2,389 0.4 
Total$157,564 $8,284 $2,468 $168,316 0.9 %


For the Three Months Ended September 30, 2024



(Dollars in thousands)
Term ExtensionPayment DelayInterest Rate Reduction
Other
Total% of Total Loan Category
September 30, 2024
Commercial:
Business$36,892 $— $— $— $36,892 0.6 %
Real estate – construction and land1,915 — — — 1,915 0.1 
Real estate – business70,091 — — — 70,091 2.0 
Personal Banking:
Real estate – personal 42 4,024 — — 4,066 0.1 
Consumer— 720 30 — 750 — 
Consumer credit card— — 931 — 931 0.2 
Total $108,940 $4,744 $961 $— $114,645 0.7 %
For the Nine Months Ended September 30, 2024
September 30, 2024
Commercial:
Business$54,608 $— $— $— $54,608 0.9 %
Real estate – construction and land1,915 — — — 1,915 0.1 
Real estate – business117,718 — — — 117,718 3.3 
Personal Banking:
Real estate – personal42 6,586 — — 6,628 0.2 
Consumer— 720 84 44 848 — 
Consumer credit card— — 2,642 — 2,642 0.5 
Total$174,283 $7,306 $2,726 $44 $184,359 1.1 %
Financing receivable, financial impacts of loan modifications and payment deferrals
The following tables summarize the financial impact of loan modifications and payment deferrals during the three and nine months ended September 30, 2025 and September 30, 2024.

Term Extension
Three Months Ended September 30, 2025Three Months Ended September 30, 2024
Commercial:
Business
Extended maturity by a weighted average of 5 months.
Extended maturity by a weighted average of 5 months.
Real estate – construction and land—
Extended maturity by a weighted average of 2 months.
Real estate – business
Extended maturity by a weighted average of 6 months.
Extended maturity by a weighted average of 11 months.
Personal Banking:
Real estate – personal
Extended maturity by a weighted average of 9 months.
Extended maturity by a weighted average of 2 months.
Nine Months Ended September 30, 2025Nine Months Ended September 30, 2024
Commercial:
Business
Extended maturity by a weighted average of 10 months.
Extended maturity by a weighted average of 5 months.
Real estate – construction and land—
Extended maturity by a weighted average of 2 months.
Real estate – business
Extended maturity by a weighted average of 15 months.
Extended maturity by a weighted average of 11 months.
Personal Banking:
Real estate – personal
Extended maturity by a weighted average of 9 months.
Extended maturity by a weighted average of 5 months.
Payment Delay
Three Months Ended September 30, 2025Three Months Ended September 30, 2024
Personal Banking:
Real estate – personal
Deferred certain payments by a weighted average of 25 years.
Deferred certain payments by a weighted average of 15 years.
Consumer—
Deferred certain payments by a weighted average of 19 years.
Nine Months Ended September 30, 2025Nine Months Ended September 30, 2024
Personal Banking:
Real estate – personal
Deferred certain payments by a weighted average of 24 years.
Deferred certain payments by a weighted average of 10 years.
Consumer
Deferred certain payments by a weighted average of 8 years.
Deferred certain payments by a weighted average of 19 years.


Interest Rate Reduction
Three Months Ended September 30, 2025Three Months Ended September 30, 2024
Personal Banking:
ConsumerReduced contractual interest rate from average 22% to 6%.Reduced contractual interest rate from average 21% to 6%.
Consumer credit cardReduced contractual interest rate from average 22% to 6%.Reduced contractual interest rate from average 21% to 6%.
Nine Months Ended September 30, 2025Nine Months Ended September 30, 2024
Personal Banking:
ConsumerReduced contractual interest rate from average 22% to 6%.Reduced contractual interest rate from average 21% to 6%.
Consumer credit cardReduced contractual interest rate from average 22% to 6%.Reduced contractual interest rate from average 21% to 6%.
Financing Receivable, Modified, Subsequent Default
The following tables provide the amortized cost basis at September 30, 2025 of loans to borrowers experiencing financial difficulty that had a payment default during the three and nine months ended September 30, 2025 and were modified within the 12 months preceding the payment default, as well as the amortized cost basis at September 30, 2024 of loans to borrowers experiencing financial difficulty that had a payment default during the three and nine months ended September 30, 2024 and had been modified within the 12 months preceding the payment default. For purposes of this disclosure, the Company considers "default" to mean 90 days or more past due as to interest or principal.
For the Three Months Ended September 30, 2025For the Nine Months Ended September 30, 2025


(Dollars in thousands)		Term ExtensionPayment DelayInterest Rate ReductionInterest/Fees ForgivenTotalTerm ExtensionPayment DelayInterest Rate ReductionInterest/Fees ForgivenTotal
September 30, 2025
Commercial:
Business$45 $— $— $— $45 $45 $— $— $— $45 
Real estate – business14,632 — — — 14,632 14,632 — — — 14,632 
Personal Banking:
Real estate – personal — 761 — — 761 — 2,276 — — 2,276 
Consumer— — 1 — 1 — — 25 — 25 
Consumer credit card— — 257 — 257 — — 451 — 451 
Total $14,677 $761 $258 $— $15,696 $14,677 $2,276 $476 $— $17,429 
For the Three Months Ended September 30, 2024For the Nine Months Ended September 30, 2024


(Dollars in thousands)
Term ExtensionPayment DelayInterest Rate ReductionInterest/Fees ForgivenTotalTerm ExtensionPayment DelayInterest Rate ReductionInterest/Fees ForgivenTotal
September 30, 2024
Commercial:
Business$14,872 $— $— $— $14,872 $14,872 $— $— $— $14,872 
Personal Banking:
Real estate – personal $— $2,600 $— $— $2,600 $— $3,728 $— $— $3,728 
Consumer— — 13 — 13 — — 24 — 24 
Consumer credit card— — 251 — 251 — — 536 20 556 
Total $14,872 $2,600 $264 $— $17,736 $14,872 $3,728 $560 $20 $19,180 
Financing Receivable, Modified, Past Due
The following tables present the amortized cost basis at September 30, 2025 of loans to borrowers experiencing financial difficulty that had been modified within the previous 12 months as well as the amortized cost basis at September 30, 2024 of loans to borrowers experiencing financial difficulty that had been modified within the 12 months preceding September 30, 2024.



(In thousands)
Current
30-89 Days Past Due
90 Days Past DueTotal
September 30, 2025
Commercial:
Business$88,589 $— $45 $88,634 
Real estate – business88,961 — 14,632 103,593 
Personal Banking:
Real estate – personal 8,701 917 761 10,379 
Consumer99 35 1 135 
Consumer credit card2,319 405 257 2,981 
Total $188,669 $1,357 $15,696 $205,722 


(In thousands)
Current
30-89 Days Past Due
90 Days Past DueTotal
September 30, 2024
Commercial:
Business$56,517 $86 $— $56,603 
Real estate – construction and land1,915 — — 1,915 
Real estate – business102,846 — 14,872 117,718 
Personal Banking:
Real estate – personal 3,220 1,151 2,601 6,972 
Consumer844 18 12 874 
Consumer credit card2,380 510 237 3,127 
Total $167,722 $1,765 $17,722 $187,209