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LOANS AND LEASES (Tables)
 9 Months Ended
Sep. 30, 2025
Receivables [Abstract]  
Schedule of Loans and Leases, Net of Unearned Income
Following is a summary of total loans and leases, net of unearned income:
TABLE 4.1
(in millions)September 30, 2025December 31, 2024
Commercial real estate$12,568 $12,705 
Commercial and industrial7,590 7,550 
Commercial leases829 765 
Other153 144 
Total commercial loans and leases21,140 21,164 
Direct installment2,678 2,676 
Residential mortgages8,888 7,986 
Indirect installment767 739 
Consumer lines of credit1,484 1,374 
Total consumer loans13,817 12,775 
Total loans and leases, net of unearned income$34,957 $33,939 
Schedule of Certain Information Relating to Commercial Real Estate Loans
The following table shows occupancy information relating to commercial real estate loans:
TABLE 4.2
September 30,
2025		December 31,
2024
Commercial real estate:
Percent owner-occupied30.2 %29.0 %
Percent non-owner-occupied69.8 71.0 
Schedule of Loan, Credit Quality Indicators We use an internal risk rating assigned to a commercial loan or lease at origination, summarized below.
TABLE 4.3
Rating CategoryDefinition
Passin general, the condition of the borrower and the performance of the loan is satisfactory or better
Special Mentionin general, the condition of the borrower has deteriorated, requiring an increased level of monitoring
Substandardin general, the condition of the borrower has significantly deteriorated and the performance of the loan could further deteriorate if deficiencies are not corrected
Doubtfulin general, the condition of the borrower has significantly deteriorated and the collection in full of both principal and interest is highly questionable or improbable
Schedule of Financing Receivables, Originated Year
The following table summarizes the designated loan rating category by loan class including term loans on an amortized cost basis by origination year and year-to-date gross charge-offs by originating year:
TABLE 4.4
(in millions)20252024202320222021PriorRevolving Loans Amortized Cost BasisTotal
September 30, 2025
COMMERCIAL
Commercial Real Estate:
Risk Rating:
   Pass$1,007 $1,362 $1,673 $1,870 $1,706 $3,858 $210 $11,686 
   Special Mention5 16 21 179 103 206 3 533 
   Substandard— 6 9 57 52 217 8 349 
Total commercial real estate1,012 1,384 1,703 2,106 1,861 4,281 221 12,568 
Commercial real estate gross charge-offs — — 0.1 3.9 3.6 12.2 — 19.8 
Commercial and Industrial:
Risk Rating:
   Pass1,415 1,048 871 727 411 880 1,760 7,112 
   Special Mention14 9 19 14 33 75 92 256 
   Substandard3 12 48 10 10 40 99 222 
Total commercial and industrial1,432 1,069 938 751 454 995 1,951 7,590 
Commercial and industrial gross charge-offs0.1 1.1 0.6 3.3 6.5 20.0 — 31.6 
Commercial Leases:
Risk Rating:
   Pass293 197 148 80 45 42 — 805 
   Special Mention1 4 5 1 1 4 — 16 
   Substandard— — 5 1 2 — — 8 
Total commercial leases294 201 158 82 48 46 — 829 
Commercial leases gross charge-offs— — — — — 0.2 — 0.2 
Other Commercial:
Risk Rating:
   Pass9 — 65 — — 4 75 153 
Total other commercial9 — 65 — — 4 75 153 
Other commercial gross charge-offs— — — — — 3.6 — 3.6 
Total commercial loans and leases2,747 2,654 2,864 2,939 2,363 5,326 2,247 21,140 
(in millions)20252024202320222021PriorRevolving Loans Amortized Cost BasisTotal
September 30, 2025
CONSUMER
Direct Installment:
   Current336 292 231 558 615 635 — 2,667 
   Past due— 1 2 1 1 6 — 11 
Total direct installment336 293 233 559 616 641 — 2,678 
Direct installment gross charge-offs— 0.1 0.2 0.1 — 0.3 — 0.7 
Residential Mortgages:
   Current1,327 1,687 1,346 1,502 1,342 1,626 — 8,830 
   Past due2 10 11 5 5 25 — 58 
Total residential mortgages1,329 1,697 1,357 1,507 1,347 1,651 — 8,888 
Residential mortgages gross charge-offs— 0.3 0.5 0.1 0.2 1.2 — 2.3 
Indirect Installment:
   Current251 301 18 48 84 51 — 753 
   Past due— 2 2 5 4 1 — 14 
Total indirect installment251 303 20 53 88 52 — 767 
Indirect installment gross charge-offs0.2 0.6 0.7 1.6 1.7 0.7 — 5.5 
Consumer Lines of Credit:
   Current4 6 22 43 12 139 1,245 1,471 
   Past due— — — 1 1 9 2 13 
Total consumer lines of credit4 6 22 44 13 148 1,247 1,484 
Consumer lines of credit gross charge-offs— 0.1 — — — 0.7 — 0.8 
Total consumer loans1,920 2,299 1,632 2,163 2,064 2,492 1,247 13,817 
Total loans and leases$4,667 $4,953 $4,496 $5,102 $4,427 $7,818 $3,494 $34,957 
Total charge-offs$0.3 $2.2 $2.1 $9.0 $12.0 $38.9 $— $64.5 
(in millions)20242023202220212020PriorRevolving Loans Amortized Cost BasisTotal
December 31, 2024
COMMERCIAL
Commercial Real Estate:
Risk Rating:
   Pass$1,405 $1,661 $2,025 $1,984 $1,200 $3,235 $197 $11,707 
   Special Mention1 10 177 52 107 181 37 565 
   Substandard2 16 119 43 55 195 3 433 
Total commercial real estate1,408 1,687 2,321 2,079 1,362 3,611 237 12,705 
Commercial real estate gross charge-offs— 0.8 1.0 15.0 10.5 11.3 — 38.6 
Commercial and Industrial:
Risk Rating:
   Pass1,241 1,079 1,074 647 461 669 1,861 7,032 
   Special Mention6 20 57 74 12 63 41 273 
   Substandard4 50 11 33 8 59 80 245 
Total commercial and industrial1,251 1,149 1,142 754 481 791 1,982 7,550 
Commercial and industrial gross charge-offs0.1 3.9 1.5 1.8 6.0 7.6 — 20.9 
Commercial Leases:
Risk Rating:
   Pass331 184 106 60 26 39 — 746 
   Special Mention— 1 — — — 1 — 2 
   Substandard— 6 2 4 5 — — 17 
Total commercial leases331 191 108 64 31 40 — 765 
Commercial leases gross charge-offs— — — — — 0.3 — 0.3 
Other Commercial:
Risk Rating:
   Pass12 62 — — — 5 65 144 
Total other commercial12 62 — — — 5 65 144 
Other commercial gross charge-offs— — — — — 4.2 — 4.2 
Total commercial loans and leases3,002 3,089 3,571 2,897 1,874 4,447 2,284 21,164 
(in millions)20242023202220212020PriorRevolving Loans Amortized Cost BasisTotal
December 31, 2024
CONSUMER
Direct Installment:
   Current346 277 621 683 341 396 — 2,664 
   Past due— 1 3 1 1 6 — 12 
Total direct installment346 278 624 684 342 402 — 2,676 
Direct installment gross charge-offs— 0.2 0.3 0.2 — 1.1 — 1.8 
Residential Mortgages:
   Current1,663 1,478 1,598 1,417 728 1,048 — 7,932 
   Past due2 15 6 5 1 25 — 54 
Total residential mortgages1,665 1,493 1,604 1,422 729 1,073 — 7,986 
Residential mortgages gross charge-offs0.1 0.6 0.3 0.2 — 1.4 — 2.6 
Indirect Installment:
   Current396 24 67 142 49 42 — 720 
   Past due1 3 6 6 2 1 — 19 
Total indirect installment397 27 73 148 51 43 — 739 
Indirect installment gross charge-offs0.2 1.8 4.5 3.2 0.5 1.6 — 11.8 
Consumer Lines of Credit:
   Current8 29 51 13 1 117 1,141 1,360 
   Past due— — 1 1 — 10 2 14 
Total consumer lines of credit8 29 52 14 1 127 1,143 1,374 
Consumer lines of credit gross charge-offs— 0.1 0.1 0.1 — 1.3 — 1.6 
Total consumer loans2,416 1,827 2,353 2,268 1,123 1,645 1,143 12,775 
Total loans and leases$5,418 $4,916 $5,924 $5,165 $2,997 $6,092 $3,427 $33,939 
Total charge-offs$0.4 $7.4 $7.7 $20.5 $17.0 $28.8 $— $81.8 
Schedule of Age Analysis of Past Due Loans, by Class
The following table provides an analysis of the aging of loans by class.
TABLE 4.5
(in millions)30-89 Days
Past Due
> 90 Days
Past Due
and Still
Accruing
Non-
Accrual		Total
Past Due		CurrentTotal
Loans and
Leases		Non-accrual with No ACL
September 30, 2025
Commercial real estate$10 $— $59 $69 $12,499 $12,568 $13 
Commercial and industrial10 — 44 54 7,536 7,590 19 
Commercial leases2 — 3 5 824 829 — 
Other1 — 2 3 150 153 — 
Total commercial loans and leases23 — 108 131 21,009 21,140 32 
Direct installment7 1 3 11 2,667 2,678 — 
Residential mortgages39 10 9 58 8,830 8,888 2 
Indirect installment12 1 1 14 753 767 — 
Consumer lines of credit8 1 4 13 1,471 1,484 — 
Total consumer loans66 13 17 96 13,721 13,817 2 
Total loans and leases$89 $13 $125 $227 $34,730 $34,957 $34 

(in millions)30-89 Days
Past Due
> 90 Days
Past Due
and Still
Accruing
Non-
Accrual		Total
Past Due 		CurrentTotal
Loans and
Leases		Non-accrual with No ACL
December 31, 2024
Commercial real estate$26 $— $88 $114 $12,591 $12,705 $24 
Commercial and industrial10 — 52 62 7,488 7,550 19 
Commercial leases1 — 2 3 762 765 — 
Other1 — 2 3 141 144 — 
Total commercial loans and leases38 — 144 182 20,982 21,164 43 
Direct installment8 2 2 12 2,664 2,676 — 
Residential mortgages38 9 7 54 7,932 7,986 — 
Indirect installment16 1 2 19 720 739 — 
Consumer lines of credit8 2 4 14 1,360 1,374 — 
Total consumer loans70 14 15 99 12,676 12,775 — 
Total loans and leases$108 $14 $159 $281 $33,658 $33,939 $43 
Schedule of Non-Performing Assets
Following is a summary of non-performing assets:
TABLE 4.6
(dollars in millions)September 30,
2025		December 31,
2024
Non-accrual loans$125 $159 
Total non-performing loans and leases125 159 
Other real estate owned 3 3 
Total non-performing assets$128 $162 
Asset quality ratios:
Non-performing loans and leases / total loans and leases0.36 %0.47 %
Non-performing assets plus 90 days or more past due / total loans and leases plus OREO
0.40 0.52 
Schedule of Financing Receivable, Modified
The following table shows the amortized cost basis at the end of the reporting period of the loans modified during the period to borrowers experiencing financial difficulty, disaggregated by class of financing receivable, type of concession granted and the financial effect of the modifications made to borrowers experiencing financial difficulty:
TABLE 4.7
(dollars in millions)Amortized Cost Basis% of Total Class of Financing ReceivableFinancial Effect
Three Months Ended September 30, 2025
Term Extension
Commercial real estate$1.0 0.01 %
The modified loans had an average increase in term of 10 months,
extending the maturity date.
Commercial and industrial0.3 — 
The modified loans had an average increase in term of 72 months, extending the maturity date.
Direct installment0.4 0.01 
The modified loans had an average increase in term of 36 months extending the maturity date.
Residential mortgages0.7 0.01 
The modified loans had an average increase in term of 117 months extending the maturity date.
Consumer lines of credit0.2 0.01 
The modified loans had an average increase in term of 129 months extending the maturity date.
Total2.6 
Term Extension and Rate Reduction
Residential mortgages0.7 0.01 Multiple modifications were made with no material financial effect.
Total0.7 
Other
Commercial real estate0.8 0.01 Multiple modifications were made with no material financial effect.
Commercial and industrial1.3 0.02 Multiple modifications were made with no material financial effect.
Total2.1 
Total Outstanding Modified$5.4 
(dollars in millions)Amortized Cost Basis% of Total Class of Financing ReceivableFinancial Effect
Nine Months Ended September 30, 2025
Term Extension
Commercial real estate$2.7 0.02 %
The modified loans had an average increase in term of 5 months,
extending the maturity date.
Commercial and industrial1.2 0.02 
The modified loans had an average increase in term of 41 months, extending the maturity date.
Direct installment1.9 0.07 
The modified loans had an average increase in term of 26 months, extending the maturity date.
Residential mortgages3.6 0.04 
The modified loans had an average increase in term of 44 months, extending the maturity date.
Consumer lines of credit0.6 0.04 
The modified loans had an average increase in term of 165 months, extending the maturity date.
Total10.0 
Term Extension and Rate Reduction
Commercial and industrial0.1 — Multiple modifications were made with no material financial effect.
Residential mortgages1.9 0.02 
The term was extended, with weighted average yield reductions of 100 basis points to 475 basis points with extensions up to 28 years.
Total2.0 
Other
Commercial real estate2.2 0.02 
The majority resulted in a 3-month deferral on principal payments.
Commercial and industrial2.2 0.03 
The majority resulted in a 3-month deferral on principal payments.
Total4.4 
Total Outstanding Modified$16.4 
(dollars in millions)Amortized Cost Basis% of Total Class of Financing ReceivableFinancial Effect
Three Months Ended September 30, 2024
Term Extension
Commercial real estate$0.3 — %
The modified loans had an average increase in term of 7 months, extending the maturity date.
Direct installment0.1 — 
The modified loans had an average increase in term of 19 months, extending the maturity date.
Residential mortgages1.0 0.01 
The modified loans had an average increase in term of 20 months, extending the maturity date.
Consumer lines of credit0.1 0.01 
The modified loans had an average increase in term of 181 months extending the maturity date.
Total1.5 
Term Extension and Rate Reduction
Residential mortgages0.1 — Multiple modifications were made with no material financial effect.
Total0.1 
Balloon Payment
Commercial real estate0.1 — Modifications were made with no material financial effect.
Total0.1 
Other
Commercial real estate0.5 — Reduction of cash flow due to lower payments.
Total0.5 
Total Outstanding Modified$2.2 
(dollars in millions)Amortized Cost Basis% of Total Class of Financing ReceivableFinancial Effect
Nine Months Ended September 30, 2024
Term Extension
Commercial real estate$0.3 — %
The modified loans had an average increase in term of 7 months, extending the maturity date.
Commercial and industrial0.1 — 
The modified loans had an average increase in term of 3 months, extending the maturity date.
Direct installment1.0 0.04 
The modified loans had an average increase in term of 51 months, extending the maturity date.
Residential mortgages5.1 0.07 
The modified loans had an average increase in term of 31 months, extending the maturity date.
Consumer lines of credit1.0 0.07 
The modified loans had an average increase in term of 206 months, extending the maturity date.
Total7.5 
Rate Reduction
Residential mortgages0.1 — 
The term was extended, with a weighted average yield reduction of 100 basis points.
Total0.1 
Term Extension and Rate Reduction
Residential mortgages0.8 0.01 Multiple modifications were made with no material financial effect.
Consumer lines of credit0.3 0.02 Multiple modifications were made with no material financial effect.
Total1.1 
Balloon Payment
Commercial real estate0.7 0.01 Multiple modifications were made with no material financial effect.
Total0.7 
Other
Commercial real estate4.8 0.04 
3 to 12 month payment deferrals with no income being earned on these loans.
Commercial and industrial0.5 0.01 Multiple modifications were made with no material financial effect.
Total5.3 
Total Outstanding Modified$14.7 
We closely monitor the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of our modification efforts. The following table depicts the performance of loans that have been modified in the last 12 months:
TABLE 4.9
Payment status - amortization cost basis:
(in millions)Current30-89 Days Past Due90+ Days Past Due
September 30, 2025
Commercial real estate$20.9 $— $1.3 
Commercial and industrial2.9 0.8 1.8 
Total commercial loans and leases23.8 0.8 3.1 
Direct installment1.8 — 0.3 
Residential mortgages5.6 1.0 0.7 
Consumer lines of credit1.0 — — 
Total consumer loans8.4 1.0 1.0 
Total$32.2 $1.8 $4.1 
(in millions)Current30-89 Days Past Due90+ Days Past Due
September 30, 2024
Commercial real estate$13.5 $— $— 
Commercial and industrial0.6 — — 
Total commercial loans and leases14.1 — — 
Direct installment1.6 0.2 — 
Residential mortgages3.3 2.7 0.6 
Consumer lines of credit1.5 0.3 — 
Total consumer loans6.4 3.2 0.6 
Total$20.5 $3.2 $0.6 
Schedule of Financing Receivable, Modified, Subsequent Default
Following is a summary of loans modified in a manner that grants a concession to a borrower experiencing financial difficulties, by class, for which there was a payment default, excluding loans that have been paid off and/or sold. Default occurs when a loan is 90 days or more past due or in non-accrual and is within 12 months of restructuring.
TABLE 4.8
Amortized cost basis of modified financing receivables that subsequently defaulted:
(in millions)Term ExtensionTerm Extension and Rate ReductionOtherTotal Outstanding Modified
Three Months Ended September 30, 2025
Commercial real estate$0.1 $— $— $0.1 
Total commercial loans and leases0.1 — — 0.1 
Total $0.1 $— $— $0.1 
Nine Months Ended September 30, 2025
Commercial real estate$1.1 $— $1.9 $3.0 
Commercial and industrial0.5 3.0 3.8 7.3 
Total commercial loans and leases1.6 3.0 5.7 10.3 
Direct installment0.4 — — 0.4 
Residential mortgages2.4 0.5 — 2.9 
Consumer lines of credit0.2 — — 0.2 
Total consumer loans3.0 0.5 — 3.5 
Total$4.6 $3.5 $5.7 $13.8 
(in millions)Term ExtensionTerm Extension and Rate ReductionBalloon PaymentOtherTotal Outstanding Modified
Three Months Ended September 30, 2024
Commercial real estate$— $— $0.1 $— $0.1 
Total commercial loans and leases— — 0.1 — 0.1 
Direct installment0.4 — — — 0.4 
Residential mortgages0.3 0.1 — — 0.4 
Total consumer loans0.7 0.1 — — 0.8 
Total$0.7 $0.1 $0.1 $— $0.9 
Nine Months Ended September 30, 2024
Commercial real estate$0.7 $— $0.7 $8.9 $10.3 
Commercial and industrial20.2 0.2 — 1.6 22.0 
Total commercial loans and leases20.9 0.2 0.7 10.5 32.3 
Direct installment0.5 — — — 0.5 
Residential mortgages1.9 0.1 — — 2.0 
Total consumer loans2.4 0.1 — — 2.5 
Total$23.3 $0.3 $0.7 $10.5 $34.8