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ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LEASES (Tables)
12 Months Ended
Dec. 31, 2025
Receivables [Abstract]  
Schedule of Changes in Allowance for Credit Losses by Loan and Lease Class
Following is a summary of changes in the ACL, by loan and lease class:
TABLE 6.1
(in millions)Balance at
Beginning
of Year
Charge-
Offs
RecoveriesNet
Charge-
Offs
Provision
for Credit
Losses
Balance at
End of
Year
Year Ended December 31, 2025
Commercial real estate$166.9 $(30.0)$1.3 $(28.7)$37.7 $175.9 
Commercial and industrial85.6 (37.9)8.1 (29.8)43.1 98.9 
Commercial leases22.9 (0.2) (0.2)3.5 26.2 
Other4.3 (4.7)1.0 (3.7)3.8 4.4 
Total commercial loans and leases279.7 (72.8)10.4 (62.4)88.1 305.4 
Direct installment29.1 (0.9)0.7 (0.2)(3.2)25.7 
Residential mortgages95.9 (2.4)0.5 (1.9)(1.6)92.4 
Indirect installment9.5 (7.6)2.2 (5.4)4.9 9.0 
Consumer lines of credit8.6 (1.0)0.4 (0.6)(1.0)7.0 
Total consumer loans143.1 (11.9)3.8 (8.1)(0.9)134.1 
Total allowance for credit losses on loans and leases422.8 (84.7)14.2 (70.5)87.2 439.5 
Allowance for unfunded loan commitments21.4    (1.3)20.1 
Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments$444.2 $(84.7)$14.2 $(70.5)$85.9 $459.6 
(in millions)Balance at
Beginning
of Year
Charge-
Offs
RecoveriesNet
Charge-
Offs
Provision
for Credit
Losses
Balance at
End of
Year
Year Ended December 31, 2024
Commercial real estate$166.6 $(38.6)$2.5 $(36.1)$36.4 $166.9 
Commercial and industrial87.8 (20.9)9.3 (11.6)9.4 85.6 
Commercial leases21.2 (0.3)0.1 (0.2)1.9 22.9 
Other3.7 (4.2)1.4 (2.8)3.4 4.3 
Total commercial loans and leases279.3 (64.0)13.3 (50.7)51.1 279.7 
Direct installment33.8 (1.8)1.1 (0.7)(4.0)29.1 
Residential mortgages70.5 (2.6)1.2 (1.4)26.8 95.9 
Indirect installment12.8 (11.8)2.6 (9.2)5.9 9.5 
Consumer lines of credit9.2 (1.6)0.9 (0.7)0.1 8.6 
Total consumer loans126.3 (17.8)5.8 (12.0)28.8 143.1 
Total allowance for credit losses on loans and leases405.6 (81.8)19.1 (62.7)79.9 422.8 
Allowance for unfunded loan commitments21.5 — — — (0.1)21.4 
Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments$427.1 $(81.8)$19.1 $(62.7)$79.8 $444.2 
(in millions)Balance at
Beginning of
Period
Charge-
Offs
RecoveriesNet
Charge-
Offs
Provision
for Credit
Losses
Balance at
End of
Period
Year Ended December 31, 2023
Commercial real estate$162.1 $(12.4)$4.4 $(8.0)$12.5 $166.6 
Commercial and industrial102.1 (51.2)3.8 (47.4)33.1 87.8 
Commercial leases13.5 — — — 7.7 21.2 
Other4.0 (4.5)1.0 (3.5)3.2 3.7 
Total commercial loans and leases281.7 (68.1)9.2 (58.9)56.5 279.3 
Direct installment35.9 (0.6)0.6 — (2.1)33.8 
Residential mortgages55.5 (0.7)0.5 (0.2)15.2 70.5 
Indirect installment17.3 (10.7)2.3 (8.4)3.9 12.8 
Consumer lines of credit11.3 (1.0)0.8 (0.2)(1.9)9.2 
Total consumer loans120.0 (13.0)4.2 (8.8)15.1 126.3 
Total allowance for credit losses on loans and leases401.7 (81.1)13.4 (67.7)71.6 405.6 
Allowance for unfunded loan commitments21.4 — — — 0.1 21.5 
Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments$423.1 $(81.1)$13.4 $(67.7)$71.7 $427.1 
Following is a summary of changes in the AULC by portfolio segment:
TABLE 6.2
Year Ended December 31202520242023
(in millions)
Balance at beginning of period$21.4 $21.5 $21.4 
Provision for unfunded loan commitments and letters of credit:
Commercial portfolio(1.1)0.1 0.3 
Consumer portfolio(0.2)(0.2)(0.2)
Balance at end of period$20.1 $21.4 $21.5