Loans Loans (Tables)

3 Months Ended

Mar. 31, 2026

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

The period end loan composition was as follows:


(in thousands)	Mar 31, 2026		Dec 31, 2025


Commercial and industrial	$	12,339,597	$	11,799,757
Commercial real estate — owner occupied	1,193,778		1,186,324
Commercial and business lending	13,533,375		12,986,081
Commercial real estate — investor	5,266,584		5,246,030
Real estate construction	2,117,479		1,994,642
Commercial real estate lending	7,384,063		7,240,672
Total commercial	20,917,438		20,226,753
Residential mortgage	6,727,734		6,793,957
Auto finance	3,136,334		3,106,498
Home equity	706,075		713,271
Other consumer	310,583		323,135
Total consumer	10,880,726		10,936,861
Total loans	$	31,798,164	$	31,163,614

Financing Receivable Credit Quality Indicators [Table Text Block]

The following table presents loans by credit quality indicator by origination year at March 31, 2026:


					Term Loans Amortized Cost Basis by Origination Year(a)
(in thousands)	Rev Loans Converted to Term(a)		Rev Loans Amortized Cost Basis		YTD 2026		2025		2024		2023		2022		Prior		Total














Commercial and industrial:
Risk rating:
Pass	$	15	$	2,136,241	$	907,033	$	3,857,825	$	1,968,939	$	1,064,273	$	1,056,185	$	845,774	$	11,836,270
Special mention	—		3,485		48		2,965		13,876		6,244		4,133		34,931		65,682
Substandard	470		46,270		3,622		58,367		74,361		13,745		145,901		75,773		418,039
Nonaccrual	4,412		—		193		—		5,304		4,468		—		9,641		19,606
Commercial and industrial	$	4,897	$	2,185,996	$	910,896	$	3,919,157	$	2,062,480	$	1,088,730	$	1,206,219	$	966,119	$	12,339,597
Commercial real estate - owner occupied:
Risk rating:
Pass	$	—	$	3,075	$	34,703	$	239,903	$	182,647	$	145,269	$	164,509	$	344,437	$	1,114,543
Special mention	—		94		—		—		9,142		—		—		—		9,236
Substandard	—		7,280		44		7,090		14,156		15,470		1,682		24,243		69,965
Nonaccrual	—		—		—		—		—		—		—		34		34
Commercial real estate - owner occupied	$	—	$	10,449	$	34,747	$	246,993	$	205,945	$	160,739	$	166,191	$	368,714	$	1,193,778
Commercial and business lending:
Risk rating:
Pass	$	15	$	2,139,316	$	941,736	$	4,097,728	$	2,151,586	$	1,209,542	$	1,220,694	$	1,190,211	$	12,950,813
Special mention	—		3,579		48		2,965		23,018		6,244		4,133		34,931		74,918
Substandard	470		53,550		3,666		65,457		88,517		29,215		147,583		100,016		488,004
Nonaccrual	4,412		—		193		—		5,304		4,468		—		9,675		19,640
Commercial and business lending	$	4,897	$	2,196,445	$	945,643	$	4,166,150	$	2,268,425	$	1,249,469	$	1,372,410	$	1,334,833	$	13,533,375
Commercial real estate - investor:
Risk rating:
Pass	$	—	$	186,359	$	330,533	$	1,773,563	$	727,844	$	483,401	$	666,331	$	835,849	$	5,003,880
Special mention	—		—		—		39,938		—		14,730		81,330		32,454		168,452
Substandard	—		—		—		17,571		10,953		5,129		41,183		11,338		86,174
Nonaccrual	—		—		—		—		—		—		8,078		—		8,078
Commercial real estate - investor	$	—	$	186,359	$	330,533	$	1,831,072	$	738,797	$	503,260	$	796,922	$	879,641	$	5,266,584
Real estate construction:
Risk rating:
Pass	$	—	$	25,335	$	26,855	$	470,524	$	803,327	$	153,221	$	122,501	$	7,313	$	1,609,076
Special mention	—		—		—		—		—		1,773		23,650		—		25,423
Substandard	—		—		49,624		143,464		17,702		79,101		193,064		—		482,955
Nonaccrual	—		—		—		—		—		—		—		25		25
Real estate construction	$	—	$	25,335	$	76,479	$	613,988	$	821,029	$	234,095	$	339,215	$	7,338	$	2,117,479
Commercial real estate lending:
Risk rating:
Pass	$	—	$	211,694	$	357,388	$	2,244,087	$	1,531,171	$	636,622	$	788,832	$	843,162	$	6,612,956
Special mention	—		—		—		39,938		—		16,503		104,980		32,454		193,875
Substandard	—		—		49,624		161,035		28,655		84,230		234,247		11,338		569,129
Nonaccrual	—		—		—		—		—		—		8,078		25		8,103
Commercial real estate lending	$	—	$	211,694	$	407,012	$	2,445,060	$	1,559,826	$	737,355	$	1,136,137	$	886,979	$	7,384,063
Total commercial:
Risk rating:
Pass	$	15	$	2,351,010	$	1,299,124	$	6,341,815	$	3,682,757	$	1,846,164	$	2,009,526	$	2,033,373	$	19,563,769
Special mention	—		3,579		48		42,903		23,018		22,747		109,113		67,385		268,793
Substandard	470		53,550		53,290		226,492		117,172		113,445		381,830		111,354		1,057,133
Nonaccrual	4,412		—		193		—		5,304		4,468		8,078		9,700		27,743
Total commercial	$	4,897	$	2,408,139	$	1,352,655	$	6,611,210	$	3,828,251	$	1,986,824	$	2,508,547	$	2,221,812	$	20,917,438


					Term Loans Amortized Cost Basis by Origination Year(a)
(in thousands)	Rev Loans Converted to Term(a)		Rev Loans Amortized Cost Basis		YTD 2026		2025		2024		2023		2022		Prior		Total
Residential mortgage:
Risk rating:
Pass	$	—	$	—	$	64,436	$	259,990	$	249,460	$	450,109	$	1,465,780	$	4,164,383	$	6,654,158
Special mention	—		—		—		—		—		—		—		32		32
Substandard	—		—		—		—		576		5,655		127		296		6,654
Nonaccrual	—		—		—		2,056		3,591		5,136		11,344		44,763		66,890
Residential mortgage	$	—	$	—	$	64,436	$	262,046	$	253,627	$	460,900	$	1,477,251	$	4,209,474	$	6,727,734
Auto finance:
Risk rating:
Pass	$	—	$	—	$	339,662	$	1,186,673	$	757,889	$	486,428	$	332,417	$	22,052	$	3,125,121
Special mention	—		—		—		496		511		697		553		57		2,314
Substandard	—		—		—		—		—		11		—		—		11
Nonaccrual	—		—		—		1,055		1,671		3,015		2,839		308		8,888
Auto finance	$	—	$	—	$	339,662	$	1,188,224	$	760,071	$	490,151	$	335,809	$	22,417	$	3,136,334
Home equity:
Risk rating:
Pass	$	5,547	$	618,030	$	60	$	1,149	$	1,989	$	3,489	$	20,088	$	53,737	$	698,542
Special mention	205		43		—		—		216		40		—		284		583

Nonaccrual	238		269		—		160		245		281		1,049		4,946		6,950
Home equity	$	5,990	$	618,342	$	60	$	1,309	$	2,450	$	3,810	$	21,137	$	58,967	$	706,075
Other consumer:
Risk rating:
Pass	$	215	$	244,002	$	2,959	$	11,753	$	3,442	$	1,856	$	675	$	42,941	$	307,628
Special mention	—		801		—		33		—		2		4		—		840
Substandard	—		2,005		—		—		—		—		—		—		2,005
Nonaccrual(b)	—		60		—		10		2		7		31		—		110
Other consumer	$	215	$	246,868	$	2,959	$	11,796	$	3,444	$	1,865	$	710	$	42,941	$	310,583
Total consumer:
Risk rating:
Pass	$	5,762	$	862,032	$	407,117	$	1,459,565	$	1,012,780	$	941,882	$	1,818,960	$	4,283,113	$	10,785,449
Special mention	205		844		—		529		727		739		557		373		3,769
Substandard	—		2,005		—		—		576		5,666		127		296		8,670
Nonaccrual(b)	238		329		—		3,281		5,509		8,439		15,263		50,017		82,838
Total consumer	$	6,205	$	865,210	$	407,117	$	1,463,375	$	1,019,592	$	956,726	$	1,834,907	$	4,333,799	$	10,880,726
Total loans:
Risk rating:
Pass	$	5,777	$	3,213,042	$	1,706,241	$	7,801,380	$	4,695,537	$	2,788,046	$	3,828,486	$	6,316,486	$	30,349,218
Special mention	205		4,423		48		43,432		23,745		23,486		109,670		67,758		272,562
Substandard	470		55,555		53,290		226,492		117,748		119,111		381,957		111,650		1,065,803
Nonaccrual	4,650		329		193		3,281		10,813		12,907		23,341		59,717		110,581
Total loans	$	11,102	$	3,273,349	$	1,759,772	$	8,074,585	$	4,847,843	$	2,943,550	$	4,343,454	$	6,555,611	$	31,798,164

(a) Revolving loans converted to term loans are those converted during the reporting period and are also reported in their year of origination.

(b) Excluding guaranteed portion of student loans

The following table presents loans by credit quality indicator by origination year at December 31, 2025:


					Term Loans Amortized Cost Basis by Origination Year(a)
(in thousands)	Rev Loans Converted to Term(a)		Rev Loans Amortized Cost Basis		2025		2024		2023		2022		2021		Prior		Total







Commercial and industrial:
Risk rating:
Pass	$	503	$	1,920,351	$	3,886,880	$	2,097,760	$	1,133,873	$	1,238,941	$	521,793	$	471,834	$	11,271,432
Special mention	—		11,139		3,024		311		13,774		5,849		24,971		293		59,361
Substandard	7,290		65,451		60,593		78,773		22,126		162,841		70,231		1,771		461,786
Nonaccrual	1,473		—		25		7,153		—		—		—		—		7,178
Commercial and industrial	$	9,266	$	1,996,941	$	3,950,522	$	2,183,997	$	1,169,773	$	1,407,631	$	616,995	$	473,898	$	11,799,757
Commercial real estate - owner occupied:
Risk rating:
Pass	$	—	$	2,957	$	241,141	$	180,867	$	141,254	$	167,496	$	157,837	$	201,588	$	1,093,140
Special mention	—		—		—		11,620		5,432		—		—		1,242		18,294
Substandard	—		13,445		7,478		14,001		15,635		1,691		11,929		10,508		74,687
Nonaccrual	—		—		203		—		—		—		—		—		203
Commercial real estate - owner occupied	$	—	$	16,402	$	248,822	$	206,488	$	162,321	$	169,187	$	169,766	$	213,338	$	1,186,324
Commercial and business lending:
Risk rating:
Pass	$	503	$	1,923,308	$	4,128,021	$	2,278,627	$	1,275,127	$	1,406,437	$	679,630	$	673,422	$	12,364,572
Special mention	—		11,139		3,024		11,931		19,206		5,849		24,971		1,535		77,655
Substandard	7,290		78,896		68,071		92,774		37,761		164,532		82,160		12,279		536,473
Nonaccrual	1,473		—		228		7,153		—		—		—		—		7,381
Commercial and business lending	$	9,266	$	2,013,343	$	4,199,344	$	2,390,485	$	1,332,094	$	1,576,818	$	786,761	$	687,236	$	12,986,081
Commercial real estate - investor:
Risk rating:
Pass	$	3,195	$	185,825	$	1,842,395	$	776,187	$	503,511	$	711,947	$	432,442	$	503,468	$	4,955,775
Special mention	—		—		40,067		11,135		14,809		58,523		26,964		5,007		156,505
Substandard	—		—		24,090		1,446		7,741		70,608		17,633		3,921		125,439
Nonaccrual	—		—		—		546		—		7,765		—		—		8,311
Commercial real estate - investor	$	3,195	$	185,825	$	1,906,552	$	789,314	$	526,061	$	848,843	$	477,039	$	512,396	$	5,246,030
Real estate construction:
Risk rating:
Pass	$	—	$	33,847	$	359,610	$	720,429	$	223,239	$	175,056	$	2,991	$	5,768	$	1,520,940
Special mention	—		—		20,611		—		—		51,262		—		—		71,873
Substandard	—		—		122,320		42,511		48,980		187,874		—		—		401,685
Nonaccrual	—		—		—		—		—		—		—		144		144
Real estate construction	$	—	$	33,847	$	502,541	$	762,940	$	272,219	$	414,192	$	2,991	$	5,912	$	1,994,642
Commercial real estate lending:
Risk rating:
Pass	$	3,195	$	219,672	$	2,202,005	$	1,496,616	$	726,750	$	887,003	$	435,433	$	509,236	$	6,476,715
Special mention	—		—		60,678		11,135		14,809		109,785		26,964		5,007		228,378
Substandard	—		—		146,410		43,957		56,721		258,482		17,633		3,921		527,124
Nonaccrual	—		—		—		546		—		7,765		—		144		8,455
Commercial real estate lending	$	3,195	$	219,672	$	2,409,093	$	1,552,254	$	798,280	$	1,263,035	$	480,030	$	518,308	$	7,240,672


					Term Loans Amortized Cost Basis by Origination Year(a)
(in thousands)	Rev Loans Converted to Term(a)		Rev Loans Amortized Cost Basis		2025		2024		2023		2022		2021		Prior		Total
Total commercial:
Risk rating:
Pass	$	3,698	$	2,142,980	$	6,330,026	$	3,775,243	$	2,001,877	$	2,293,440	$	1,115,063	$	1,182,658	$	18,841,287
Special mention	—		11,139		63,702		23,066		34,015		115,634		51,935		6,542		306,033
Substandard	7,290		78,896		214,481		136,731		94,482		423,014		99,793		16,200		1,063,597
Nonaccrual	1,473		—		228		7,699		—		7,765		—		144		15,836
Total commercial	$	12,461	$	2,233,015	$	6,608,437	$	3,942,739	$	2,130,374	$	2,839,853	$	1,266,791	$	1,205,544	$	20,226,753
Residential mortgage:
Risk rating:
Pass	$	—	$	—	$	253,364	$	238,787	$	480,076	$	1,488,335	$	1,499,223	$	2,764,379	$	6,724,164

Substandard	—		—		—		580		292		129		300		—		1,301
Nonaccrual	—		—		2,425		3,102		5,101		13,141		8,985		35,738		68,492
Residential mortgage	$	—	$	—	$	255,789	$	242,469	$	485,469	$	1,501,605	$	1,508,508	$	2,800,117	$	6,793,957
Auto finance:
Risk rating:
Pass	$	—	$	—	$	1,287,267	$	842,838	$	551,549	$	388,064	$	26,402	$	2	$	3,096,122
Special mention	—		—		295		325		814		621		50		—		2,105

Nonaccrual	—		—		559		1,356		2,811		3,255		290		—		8,271
Auto finance	$	—	$	—	$	1,288,121	$	844,519	$	555,174	$	391,940	$	26,742	$	2	$	3,106,498
Home equity:
Risk rating:
Pass	$	15,259	$	623,853	$	855	$	2,188	$	2,728	$	20,514	$	4,733	$	49,793	$	704,664
Special mention	315		52		—		119		190		104		—		368		833

Nonaccrual	1,038		173		2		221		333		1,016		414		5,615		7,774
Home equity	$	16,612	$	624,078	$	857	$	2,528	$	3,251	$	21,634	$	5,147	$	55,776	$	713,271
Other consumer:
Risk rating:
Pass	$	529	$	255,490	$	13,159	$	4,070	$	1,990	$	958	$	264	$	43,575	$	319,506
Special mention	12		1,139		27		—		5		9		—		20		1,200
Substandard	—		2,374		—		—		—		—		—		—		2,374
Nonaccrual(b)	2		35		—		3		12		—		2		3		55
Other consumer	$	543	$	259,038	$	13,186	$	4,073	$	2,007	$	967	$	266	$	43,598	$	323,135
Total consumer:
Risk rating:
Pass	$	15,788	$	879,343	$	1,554,645	$	1,087,883	$	1,036,343	$	1,897,871	$	1,530,622	$	2,857,749	$	10,844,456
Special mention	327		1,191		322		444		1,009		734		50		388		4,138
Substandard	—		2,374		—		580		292		129		300		—		3,675
Nonaccrual(b)	1,040		208		2,986		4,682		8,257		17,412		9,691		41,356		84,592
Total consumer	$	17,155	$	883,116	$	1,557,953	$	1,093,589	$	1,045,901	$	1,916,146	$	1,540,663	$	2,899,493	$	10,936,861
Total loans:
Risk rating:
Pass	$	19,486	$	3,022,323	$	7,884,671	$	4,863,126	$	3,038,220	$	4,191,311	$	2,645,685	$	4,040,407	$	29,685,743
Special mention	327		12,330		64,024		23,510		35,024		116,368		51,985		6,930		310,171
Substandard	7,290		81,270		214,481		137,311		94,774		423,143		100,093		16,200		1,067,272
Nonaccrual	2,513		208		3,214		12,381		8,257		25,177		9,691		41,500		100,428
Total loans	$	29,616	$	3,116,131	$	8,166,390	$	5,036,328	$	3,176,275	$	4,755,999	$	2,807,454	$	4,105,037	$	31,163,614

(a) Revolving loans converted to term loans are those converted during the reporting period and are also reported in their year of origination.

(b) Excluding guaranteed portion of student loans

The following table presents gross charge offs by origination year for the three months ended March 31, 2026:


			Gross Charge Offs by Origination Year
(in thousands)	Rev Loans Amortized Cost Basis		2026		2025		2024		2023		2022		Prior		Total
Commercial and industrial	$	1,730	$	—	$	61	$	135	$	690	$	390	$	—	$	3,006
Commercial real estate-owner occupied	—		—		—		—		—		—		—		—
Commercial and business lending	1,730		—		61		135		690		390		—		3,006
Commercial real estate-investor	—		—		—		—		—		—		—		—
Real estate construction	—		—		—		—		—		—		—		—
Commercial real estate lending	—		—		—		—		—		—		—		—
Total commercial	1,730		—		61		135		690		390		—		3,006
Residential mortgage	—		—		6		27		21		24		60		138
Auto finance	—		—		493		536		759		972		10		2,770
Home equity	1		—		2		—		—		—		—		3
Other consumer	2,170		—		5		8		5		5		100		2,293
Total consumer	2,171		—		506		571		785		1,001		170		5,204
Total gross charge offs	$	3,901	$	—	$	567	$	706	$	1,475	$	1,391	$	170	$	8,210

The following table presents gross charge offs by origination year for the year ended December 31, 2025:


			Gross Charge Offs by Origination Year
(in thousands)	Rev Loans Amortized Cost Basis		2025		2024		2023		2022		2021		Prior		Total
Commercial and industrial	$	5,424	$	831	$	627	$	3,555	$	3,799	$	379	$	—	$	14,615
Commercial real estate-owner occupied	—		—		—		113		—		—		—		113
Commercial and business lending	5,424		831		627		3,668		3,799		379		—		14,728
Commercial real estate-investor	—		—		8,356		184		12,666		—		—		21,206
Real estate construction	—		—		—		—		—		—		—		—
Commercial real estate lending	—		—		8,356		184		12,666		—		—		21,206
Total commercial	5,424		831		8,983		3,852		16,465		379		—		35,934
Residential mortgage	—		—		115		209		320		74		430		1,148
Auto finance	—		432		1,699		2,804		3,384		433		—		8,752
Home equity	—		—		—		26		5		5		380		416
Other consumer	8,194		18		85		63		63		224		56		8,703
Total consumer	8,194		450		1,899		3,102		3,772		736		866		19,019
Total gross charge offs	$	13,618	$	1,281	$	10,882	$	6,954	$	20,237	$	1,115	$	866	$	54,953

Financing Receivable, Past Due [Table Text Block]

The following table presents loans by past due status at March 31, 2026:


	Accruing
(in thousands)	Current		30-59 Days Past Due		60-89 Days Past Due		90+ Days Past Due		Nonaccrual(a)(b)		Total


Commercial and industrial	$	12,295,353	$	24,050	$	203	$	385	$	19,606	$	12,339,597
Commercial real estate - owner occupied	1,193,399		345		—		—		34		1,193,778
Commercial and business lending	13,488,752		24,395		203		385		19,640		13,533,375
Commercial real estate - investor	5,225,019		33,012		475		—		8,078		5,266,584
Real estate construction	2,117,454		—		—		—		25		2,117,479
Commercial real estate lending	7,342,473		33,012		475		—		8,103		7,384,063
Total commercial	20,831,225		57,407		678		385		27,743		20,917,438
Residential mortgage	6,653,089		7,723		32		—		66,890		6,727,734
Auto finance	3,112,886		12,235		2,314		11		8,888		3,136,334
Home equity	696,383		2,159		583		—		6,950		706,075
Other consumer(c)	306,206		1,297		876		2,094		110		310,583
Total consumer	10,768,564		23,414		3,805		2,105		82,838		10,880,726
Total loans	$	31,599,789	$	80,821	$	4,483	$	2,490	$	110,581	$	31,798,164

(a) Of the total nonaccrual loans, $45.6 million, or 41%, were current with respect to payment at March 31, 2026.

(b) No interest income was recognized on nonaccrual loans for the three months ended March 31, 2026. In addition, there were $13.2 million of nonaccrual loans for which there was no related ACLL at March 31, 2026.

The following table presents loans by past due status at December 31, 2025:


	Accruing
(in thousands)	Current		30-59 Days Past Due		60-89 Days Past Due		90+ Days Past Due		Nonaccrual(a)(b)		Total


Commercial and industrial	$	11,789,526	$	2,153	$	530	$	370	$	7,178	$	11,799,757
Commercial real estate - owner occupied	1,186,087		—		34		—		203		1,186,324
Commercial and business lending	12,975,613		2,153		564		370		7,381		12,986,081
Commercial real estate - investor	5,218,314		14,148		5,257		—		8,311		5,246,030
Real estate construction	1,994,381		117		—		—		144		1,994,642
Commercial real estate lending	7,212,695		14,265		5,257		—		8,455		7,240,672
Total commercial	20,188,308		16,418		5,821		370		15,836		20,226,753
Residential mortgage	6,712,330		13,135		—		—		68,492		6,793,957
Auto finance	3,081,782		14,340		2,105		—		8,271		3,106,498
Home equity	701,719		2,945		833		—		7,774		713,271
Other consumer(c)	317,932		1,473		1,231		2,444		55		323,135
Total consumer	10,813,763		31,893		4,169		2,444		84,592		10,936,861
Total loans	$	31,002,071	$	48,311	$	9,990	$	2,814	$	100,428	$	31,163,614

(a) Of the total nonaccrual loans, $31.2 million, or 31%, were current with respect to payment at December 31, 2025.

(b) No interest income was recognized on nonaccrual loans for the year ended December 31, 2025. In addition, there were $14.6 million of nonaccrual loans for which there was no related ACLL at December 31, 2025

Financing Receivable, Modified [Table Text Block]

The following tables show the composition of loan modifications made to borrowers experiencing financial difficulty by the loan portfolio and type of concessions granted. Each of the types of concessions granted comprised less than 1% of their respective classes of loan portfolios at March 31, 2026 and March 31, 2025.


	Interest Rate Concession
	Amortized Cost
	Three Months Ended Mar 31,
(in thousands)	2026		2025
Commercial and industrial	$	153	$	176



Other consumer	704		887
Total loans modified	$	857	$	1,063


	Term Extension
	Amortized Cost
	Three Months Ended Mar 31,
(in thousands)	2026		2025

Residential mortgage	$	510	$	—


		Combination - Interest Rate Concession and Term Extension
		Amortized Cost
	Three Months Ended Mar 31,
(in thousands)		2026		2025

Residential mortgage		$	2,330	$	1,644
Home equity		54		61

Total loans modified		$	2,384	$	1,704

The following tables summarize, by loan portfolio, the financial effect of the Corporation's loan modifications on the modified loans.


	Interest Rate Concession
	Financial Effect, Weighted Average Contractual Interest Rate (Decrease) Increase(a)
	Three Months Ended Mar 31,
Loan Type	2026		2025
Commercial and industrial	(22)	%	(25)	%
Residential mortgage	1	%	1	%

Home equity	(3)	%	(4)	%
Other consumer	(21)	%	(21)	%
Weighted average of total loans modified	(5)	%	(8)	%

(a) Some interest rate concessions may involve an increase in rate that was lower in comparison to prevailing market rates.

Term Extension

Financial Effect, Weighted Average Term Increase(a)

Three Months Ended Mar 31,

Loan Type

2026

2025

Residential mortgage

102 months

145 months

Home equity

60 months

Weighted average of total loans modified

101 months

141 months

(a) During the three months ended March 31, 2026 and March 31, 2025, term extensions changed the weighted average term on modified loans from 308 to 409 months and 258 to 399 months, respectively.

Financing Receivable, Modified, Past Due [Table Text Block]

The following table depicts the performance of loans that have been modified in the twelve months ended March 31, 2026:


	Payment Status (Amortized Cost Basis)
(in thousands)	Current		30-89 Days Past Due		90+ Days Past Due
Commercial and industrial	$	461	$	—	$	—
Residential mortgage	5,759		1,365		716

Home equity	267		—		27
Other consumer	2,139		—		—
Total loans modified	$	8,626	$	1,365	$	743

The following table depicts the performance of loans that have been modified in the twelve months ended March 31, 2025:


	Payment Status (Amortized Cost Basis)
(in thousands)	Current		30-89 Days Past Due		90+ Days Past Due
Commercial and industrial	$	459	$	—	$	—
Residential mortgage	3,037		346		572
Auto finance	1		—		—
Home equity	267		—		—
Other consumer	2,421		—		—
Total loans modified	$	6,184	$	346	$	572

Financing Receivable, Modified, Subsequent Default [Table Text Block]

The following table provides the amortized cost of loan modifications by loan portfolio and type of concession for loans that were modified in the previous twelve months and subsequently had a payment default during the three months ended March 31, 2026:


	Amortized Cost of Loan Modifications that Subsequently Defaulted
(in thousands)	Interest Rate Concession		Term Extension		Combination Interest Rate Reduction and Term Extension
Residential mortgage	$	—	$	—	$	304


Total loans modified	$	—	$	—	$	304

None of the loans modified in the previous twelve months subsequently had a payment default during the three months ended March 31, 2025.

Financing Receivable, Allowance for Credit Loss [Table Text Block]

The following table presents a summary of the changes in the ACLL by portfolio segment for the three months ended March 31, 2026:


(in thousands)	Dec 31, 2025		Charge offs		Recoveries		Net (Charge offs) Recoveries		Provision for Credit Losses		Mar 31, 2026		ACLL / Loans
Allowance for loan losses


Commercial and industrial	$	168,636	$	(3,006)	$	270	$	(2,736)	$	15,231	$	181,131
Commercial real estate — owner occupied	11,327		—		—		—		(635)		10,692
Commercial and business lending	179,963		(3,006)		270		(2,736)		14,596		191,823
Commercial real estate — investor	58,243		—		500		500		(5,110)		53,633
Real estate construction	46,595		—		2		2		4,493		51,090
Commercial real estate lending	104,838		—		502		502		(617)		104,723
Total commercial	284,801		(3,006)		772		(2,234)		13,979		296,546
Residential mortgage	33,644		(138)		286		148		(1,053)		32,739
Auto finance	27,470		(2,770)		927		(1,843)		1,169		26,796
Home equity	16,343		(3)		442		439		(1,504)		15,278
Other consumer	15,810		(2,293)		471		(1,822)		409		14,397
Total consumer	93,267		(5,204)		2,126		(3,078)		(979)		89,210
Total loans	$	378,068	$	(8,210)	$	2,898	$	(5,312)	$	13,000	$	385,756
Allowance for unfunded commitments


Commercial and industrial	$	18,698	$	—	$	—	$	—	$	(2,512)	$	16,186
Commercial real estate — owner occupied	132		—		—		—		67		199
Commercial and business lending	18,830		—		—		—		(2,445)		16,385
Commercial real estate — investor	499		—		—		—		(233)		266
Real estate construction	17,947		—		—		—		773		18,720
Commercial real estate lending	18,446		—		—		—		540		18,986
Total commercial	37,276		—		—		—		(1,905)		35,371


Home equity	2,406		—		—		—		(130)		2,276
Other consumer	1,594		—		—		—		35		1,629
Total consumer	4,000		—		—		—		(95)		3,905
Total loans	$	41,276	$	—	$	—	$	—	$	(2,000)	$	39,276
Allowance for credit losses on loans


Commercial and industrial	$	187,334	$	(3,006)	$	270	$	(2,736)	$	12,719	$	197,317	1.60	%
Commercial real estate — owner occupied	11,459		—		—		—		(568)		10,891		0.91	%
Commercial and business lending	198,793		(3,006)		270		(2,736)		12,151		208,208		1.54	%
Commercial real estate — investor	58,742		—		500		500		(5,343)		53,899		1.02	%
Real estate construction	64,542		—		2		2		5,266		69,810		3.30	%
Commercial real estate lending	123,284		—		502		502		(77)		123,709		1.68	%
Total commercial	322,077		(3,006)		772		(2,234)		12,074		331,917		1.59	%
Residential mortgage	33,644		(138)		286		148		(1,053)		32,739		0.49	%
Auto finance	27,470		(2,770)		927		(1,843)		1,169		26,796		0.85	%
Home equity	18,749		(3)		442		439		(1,634)		17,554		2.49	%
Other consumer	17,404		(2,293)		471		(1,822)		444		16,026		5.16	%
Total consumer	97,267		(5,204)		2,126		(3,078)		(1,074)		93,115		0.86	%
Total loans	$	419,344	$	(8,210)	$	2,898	$	(5,312)	$	11,000	$	425,032	1.34	%

The following table presents a summary of the changes in the ACLL by portfolio segment for the year ended December 31, 2025:


(in thousands)	Dec 31, 2024		Charge offs		Recoveries		Net (Charge offs) Recoveries		Provision for Credit Losses		Dec 31, 2025		ACLL / Loans
Allowance for loan losses


Commercial and industrial	$	136,596	$	(14,615)	$	8,357	$	(6,258)	$	38,298	$	168,636
Commercial real estate — owner occupied	9,417		(113)		—		(113)		2,023		11,327
Commercial and business lending	146,013		(14,728)		8,357		(6,371)		40,321		179,963
Commercial real estate — investor	71,547		(21,206)		2,985		(18,221)		4,917		58,243
Real estate construction	51,499		—		154		154		(5,058)		46,595
Commercial real estate lending	123,046		(21,206)		3,139		(18,067)		(141)		104,838
Total commercial	269,060		(35,934)		11,496		(24,438)		40,180		284,801
Residential mortgage	32,576		(1,148)		615		(533)		1,601		33,644
Auto finance	28,467		(8,752)		3,029		(5,723)		4,726		27,470
Home equity	16,620		(416)		999		583		(860)		16,343
Other consumer	16,823		(8,703)		1,837		(6,866)		5,853		15,810
Total consumer	94,486		(19,019)		6,480		(12,539)		11,320		93,267
Total loans	$	363,545	$	(54,953)	$	17,976	$	(36,977)	$	51,500	$	378,068
Allowance for unfunded commitments


Commercial and industrial	$	14,456	$	—	$	—	$	—	$	4,242	$	18,698
Commercial real estate — owner occupied	151		—		—		—		(19)		132
Commercial and business lending	14,607		—		—		—		4,223		18,830
Commercial real estate — investor	578		—		—		—		(79)		499
Real estate construction	19,591		—		—		—		(1,644)		17,947
Commercial real estate lending	20,169		—		—		—		(1,723)		18,446
Total commercial	34,776		—		—		—		2,500		37,276


Home equity	2,465		—		—		—		(59)		2,406
Other consumer	1,535		—		—		—		59		1,594
Total consumer	4,000		—		—		—		—		4,000
Total loans	$	38,776	$	—	$	—	$	—	$	2,500	$	41,276
Allowance for credit losses on loans

Commercial and industrial	$	151,052	$	(14,615)	$	8,357	$	(6,258)	$	42,540	$	187,334	1.59	%
Commercial real estate — owner occupied	9,568		(113)		—		(113)		2,004		11,459		0.97	%
Commercial and business lending	160,620		(14,728)		8,357		(6,371)		44,544		198,793		1.53	%
Commercial real estate — investor	72,125		(21,206)		2,985		(18,221)		4,838		58,742		1.12	%
Real estate construction	71,090		—		154		154		(6,702)		64,542		3.24	%
Commercial real estate lending	143,215		(21,206)		3,139		(18,067)		(1,864)		123,284		1.70	%
Total commercial	303,835		(35,934)		11,496		(24,438)		42,680		322,077		1.59	%
Residential mortgage	32,576		(1,148)		615		(533)		1,601		33,644		0.50	%
Auto finance	28,467		(8,752)		3,029		(5,723)		4,726		27,470		0.88	%
Home equity	19,085		(416)		999		583		(919)		18,749		2.63	%
Other consumer	18,358		(8,703)		1,837		(6,866)		5,912		17,404		5.39	%
Total consumer	98,486		(19,019)		6,480		(12,539)		11,320		97,267		0.89	%
Total loans	$	402,322	$	(54,953)	$	17,976	$	(36,977)	$	54,000	$	419,344	1.35	%