Loans and ACL (Tables)

6 Months Ended

Jun. 30, 2025

Aging Analysis of Past Due Loans and Leases

The following tables present loans and leases HFI by aging category. Government guaranteed loans are not placed on nonperforming status regardless of delinquency because collection of principal and interest is reasonably assured.


	Accruing
June 30, 2025 (Dollars in millions)	Current		30-89 Days Past Due		90 Days Or More Past Due(1)		Nonperforming		Total
Commercial:
Commercial and industrial	$	161,629	$	122	$	2	$	520	$	162,273
CRE	20,108		34		—		128		20,270
Commercial construction	8,261		15		—		1		8,277

Consumer:
Residential mortgage	56,477		695		465		191		57,828
Home equity	9,424		54		6		107		9,591
Indirect auto	23,736		582		—		240		24,558
Other consumer	30,795		239		24		64		31,122

Credit card	4,758		70		49		—		4,877

Total	$	315,188	$	1,811	$	546	$	1,251	$	318,796
(1)Includes government guaranteed loans of $424 million in the residential mortgage portfolio.

	Accruing
December 31, 2024 (Dollars in millions)	Current		30-89 Days Past Due		90 Days Or More Past Due(1)		Nonperforming		Total
Commercial:
Commercial and industrial	$	154,140	$	168	$	19	$	521	$	154,848
CRE	20,004		60		1		298		20,363
Commercial construction	8,514		3		—		3		8,520

Consumer:
Residential mortgage	54,233		719		481		166		55,599
Home equity	9,457		60		9		116		9,642
Indirect auto	22,208		622		—		259		23,089
Other consumer	29,070		236		23		66		29,395

Credit card	4,792		81		54		—		4,927

Total	$	302,418	$	1,949	$	587	$	1,429	$	306,383
(1)Includes government guaranteed loans of $430 million in the residential mortgage portfolio.

Schedule of Carrying Amounts by Risk Rating

The following tables present the amortized cost basis of loans by origination year and credit quality indicator:


June 30, 2025 (Dollars in millions)	Amortized Cost Basis by Origination Year												Revolving Credit		Loans Converted to Term		Other(1)
	2025		2024		2023		2022		2021		Prior								Total
Commercial:
Commercial and industrial:
Pass	$	21,413	$	17,868	$	11,417	$	17,086	$	9,577	$	16,905	$	61,709	$	—	$	(213)	$	155,762
Special mention	227		240		179		166		294		183		849		—		—		2,138
Substandard	251		477		506		555		218		591		1,255		—		—		3,853
Nonperforming	6		99		60		58		19		30		248		—		—		520
Total	21,897		18,684		12,162		17,865		10,108		17,709		64,061		—		(213)		162,273
Gross charge-offs	6		22		42		27		11		5		109		—		—		222
CRE:
Pass	2,868		1,442		1,892		3,552		1,874		4,335		1,309		—		(63)		17,209
Special mention	1		145		48		135		242		172		15		—		—		758
Substandard	188		252		316		673		207		420		119		—		—		2,175
Nonperforming	1		1		14		27		8		77		—		—		—		128
Total	3,058		1,840		2,270		4,387		2,331		5,004		1,443		—		(63)		20,270
Gross charge-offs	—		27		28		1		—		52		—		—		—		108
Commercial construction:
Pass	427		715		1,307		1,152		304		29		1,802		—		—		5,736
Special mention	13		90		79		459		232		—		87		—		—		960
Substandard	—		171		287		1,014		67		—		41		—		—		1,580
Nonperforming	—		1		—		—		—		—		—		—		—		1
Total	440		977		1,673		2,625		603		29		1,930		—		—		8,277








Consumer:
Residential mortgage:

Current	3,998		4,404		2,643		12,294		15,018		18,120		—		—		—		56,477
30 - 89 days past due	15		20		40		58		62		500		—		—		—		695
90 days or more past due	—		19		65		50		31		300		—		—		—		465
Nonperforming	—		1		6		32		27		125		—		—		—		191
Total	4,013		4,444		2,754		12,434		15,138		19,045		—		—		—		57,828
Gross charge-offs	—		—		1		—		—		1		—		—		—		2
Home equity:

Current	—		—		—		—		—		—		6,278		3,146		—		9,424
30 - 89 days past due	—		—		—		—		—		—		39		15		—		54
90 days or more past due	—		—		—		—		—		—		4		2		—		6
Nonperforming	—		—		—		—		—		—		37		70		—		107
Total	—		—		—		—		—		—		6,358		3,233		—		9,591
Gross charge-offs	—		—		—		—		—		—		6		—		—		6
Indirect auto:

Current	6,523		7,306		2,486		4,076		2,053		1,299		—		—		(7)		23,736
30 - 89 days past due	27		105		101		149		87		113		—		—		—		582

Nonperforming	3		37		44		67		44		45		—		—		—		240
Total	6,553		7,448		2,631		4,292		2,184		1,457		—		—		(7)		24,558
Gross charge-offs	2		42		62		84		37		54		—		—		—		281
Other consumer:

Current	7,213		7,714		4,984		4,197		1,836		2,178		2,644		25		4		30,795
30 - 89 days past due	23		51		66		47		19		24		7		2		—		239
90 days or more past due	2		5		10		4		—		—		2		1		—		24
Nonperforming	2		11		15		12		11		13		—		—		—		64
Total	7,240		7,781		5,075		4,260		1,866		2,215		2,653		28		4		31,122
Gross charge-offs	19		67		83		60		27		31		13		—		—		300







Credit card:
Current	—		—		—		—		—		—		4,726		32		—		4,758
30 - 89 days past due	—		—		—		—		—		—		65		5		—		70
90 days or more past due	—		—		—		—		—		—		46		3		—		49

Total	—		—		—		—		—		—		4,837		40		—		4,877
Gross charge-offs	—		—		—		—		—		—		138		6		—		144
Total	$	43,201	$	41,174	$	26,565	$	45,863	$	32,230	$	45,459	$	81,282	$	3,301	$	(279)	$	318,796
Gross charge-offs	$	27	$	158	$	216	$	172	$	75	$	143	$	266	$	6	$	—	$	1,063


December 31, 2024 (Dollars in millions)	Amortized Cost Basis by Origination Year												Revolving Credit		Loans Converted to Term		Other(1)
	2024		2023		2022		2021		2020		Prior								Total
Commercial:
Commercial and industrial:
Pass	$	22,675	$	14,595	$	20,976	$	11,449	$	6,607	$	13,087	$	58,790	$	—	$	(199)	$	147,980
Special mention	460		302		377		407		80		254		830		—		—		2,710
Substandard	481		608		618		234		180		484		1,032		—		—		3,637
Nonperforming	28		98		64		31		11		60		229		—		—		521
Total	23,644		15,603		22,035		12,121		6,878		13,885		60,881		—		(199)		154,848
Gross charge-offs	33		126		66		14		6		42		108		—		—		395
CRE:
Pass	1,704		2,696		3,788		1,955		1,557		3,649		1,794		—		(64)		17,079
Special mention	262		65		331		197		52		29		91		—		—		1,027
Substandard	252		207		374		356		157		499		114		—		—		1,959
Nonperforming	7		134		52		7		34		64		—		—		—		298
Total	2,225		3,102		4,545		2,515		1,800		4,241		1,999		—		(64)		20,363
Gross charge-offs	14		48		111		1		32		110		—		—		—		316
Commercial construction:
Pass	721		1,603		1,521		516		37		71		1,461		—		—		5,930
Special mention	100		106		701		158		70		95		79		—		—		1,309
Substandard	54		95		752		308		—		—		69		—		—		1,278
Nonperforming	2		—		1		—		—		—		—		—		—		3
Total	877		1,804		2,975		982		107		166		1,609		—		—		8,520







Consumer:
Residential mortgage:

Current	4,174		2,754		12,743		15,471		5,298		13,793		—		—		—		54,233
30 - 89 days past due	21		30		69		70		49		480		—		—		—		719
90 or more days past due	7		53		44		31		34		312		—		—		—		481
Nonperforming	—		4		22		26		7		107		—		—		—		166
Total	4,202		2,841		12,878		15,598		5,388		14,692		—		—		—		55,599
Gross charge-offs	—		—		—		—		—		3		—		—		—		3
Home equity:

Current	—		—		—		—		—		—		6,135		3,322		—		9,457
30 - 89 days past due	—		—		—		—		—		—		42		18		—		60
90 days or more past due	—		—		—		—		—		—		6		3		—		9
Nonperforming	—		—		—		—		—		—		39		77		—		116
Total	—		—		—		—		—		—		6,222		3,420		—		9,642
Gross charge-offs	—		—		—		—		—		—		9		—		—		9
Indirect auto:

Current	8,904		3,130		5,279		2,814		1,299		791		—		—		(9)		22,208
30 - 89 days past due	80		113		177		110		58		84		—		—		—		622

Nonperforming	17		49		78		53		28		34		—		—		—		259
Total	9,001		3,292		5,534		2,977		1,385		909		—		—		(9)		23,089
Gross charge-offs	23		120		216		98		47		87		—		—		—		591
Other consumer:

Current	9,945		6,285		5,172		2,340		1,198		1,498		2,608		21		3		29,070
30 - 89 days past due	44		71		63		25		12		14		6		1		—		236
90 days or more past due	5		10		5		1		—		—		2		—		—		23
Nonperforming	5		18		16		12		5		10		—		—		—		66
Total	9,999		6,384		5,256		2,378		1,215		1,522		2,616		22		3		29,395
Gross charge-offs	90		193		159		70		35		31		28		—		—		606







Credit card:
Current	—		—		—		—		—		—		4,778		14		—		4,792
30 - 89 days past due	—		—		—		—		—		—		80		1		—		81
90 days or more past due	—		—		—		—		—		—		53		1		—		54

Total	—		—		—		—		—		—		4,911		16		—		4,927
Gross charge-offs	—		—		—		—		—		—		287		9		—		296
Total	$	49,948	$	33,026	$	53,223	$	36,571	$	16,773	$	35,415	$	78,238	$	3,458	$	(269)	$	306,383
Gross charge-offs	$	160	$	487	$	552	$	183	$	120	$	273	$	432	$	9	$	—	$	2,216

(1)Includes certain deferred fees and costs and other adjustments.

Summary of Allowance for Credit Losses

The following tables present activity in the ACL:








(Dollars in millions)	Balance at Apr 1, 2024		Charge-Offs		Recoveries		Provision (Benefit)		Other(1)		Balance at Jun 30, 2024
Commercial:
Commercial and industrial	$	1,360	$	(83)	$	14	$	46	$	1	$	1,338
CRE	663		(97)		5		90		—		661
Commercial construction	198		—		1		7		—		206

Consumer:
Residential mortgage	222		(1)		2		(18)		—		205
Home equity	90		(3)		4		(3)		—		88
Indirect auto	923		(136)		30		128		—		945
Other Consumer	959		(141)		28		112		—		958

Credit card	388		(74)		9		84		—		407

ALLL	4,803		(535)		93		446		1		4,808
RUFC	297		—		—		5		—		302
ACL	$	5,100	$	(535)	$	93	$	451	$	1	$	5,110

(Dollars in millions)	Balance at Apr 1, 2025		Charge-Offs		Recoveries		Provision (Benefit)		Other(1)		Balance at Jun 30, 2025
Commercial:
Commercial and industrial	$	1,307	$	(120)	$	31	$	96	$	(5)	$	1,309
CRE	604		(38)		3		(6)		—		563
Commercial construction	280		—		1		(22)		—		259

Consumer:
Residential mortgage	227		(1)		—		(6)		—		220
Home equity	93		(4)		4		(1)		—		92
Indirect auto	955		(127)		28		134		—		990
Other consumer	989		(146)		31		177		—		1,051

Credit card	415		(70)		12		58		—		415

ALLL	4,870		(506)		110		430		(5)		4,899
RUFC	296		—		—		58		—		354
ACL	$	5,166	$	(506)	$	110	$	488	$	(5)	$	5,253



















(Dollars in millions)	Balance at Jan 1, 2024		Charge-Offs		Recoveries		Provision (Benefit)		Other(1)		Balance at Jun 30, 2024
Commercial:
Commercial and industrial	$	1,404	$	(180)	$	46	$	68	$	—	$	1,338
CRE	616		(200)		12		233		—		661
Commercial construction	174		—		1		31		—		206

Consumer:
Residential mortgage	298		(2)		3		(94)		—		205
Home equity	89		(6)		9		(4)		—		88
Indirect auto	942		(290)		58		235		—		945
Other consumer	890		(306)		56		318		—		958

Credit card	385		(151)		18		155		—		407

ALLL	4,798		(1,135)		203		942		—		4,808
RUFC	295		—		—		9		(2)		302
ACL	$	5,093	$	(1,135)	$	203	$	951	$	(2)	$	5,110


(Dollars in millions)	Balance at Jan 1, 2025		Charge-Offs		Recoveries		Provision (Benefit)		Other(1)		Balance at Jun 30, 2025
Commercial:
Commercial and industrial	$	1,284	$	(222)	$	55	$	196	$	(4)	$	1,309
CRE	643		(108)		10		18		—		563
Commercial construction	257		—		1		1		—		259

Consumer:
Residential mortgage	204		(2)		2		16		—		220
Home equity	89		(6)		8		1		—		92
Indirect auto	955		(281)		53		263		—		990
Other consumer	994		(300)		61		296		—		1,051

Credit card	431		(144)		23		105		—		415

ALLL	4,857		(1,063)		213		896		(4)		4,899
RUFC	304		—		—		50		—		354
ACL	$	5,161	$	(1,063)	$	213	$	946	$	(4)	$	5,253

(1)Includes the amounts for the ALLL for PCD acquisitions and other activity.

Financing Receivable, Nonperforming

NPAs

The following table provides a summary of nonperforming loans and leases, excluding LHFS:


	June 30, 2025				December 31, 2024
	Recorded Investment				Recorded Investment
(Dollars in millions)	Without an ALLL		With an ALLL		Without an ALLL		With an ALLL
Commercial:
Commercial and industrial	$	76	$	444	$	52	$	469
CRE	7		121		32		266
Commercial construction	—		1		—		3

Consumer:
Residential mortgage	4		187		1		165
Home equity	1		106		1		115
Indirect auto	—		240		23		236
Other consumer	—		64		—		66


Total	$	88	$	1,163	$	109	$	1,320

Selected Information About Nonperforming Assets

The following table presents a summary of nonperforming assets and residential mortgage loans in the process of foreclosure:


(Dollars in millions)	Jun 30, 2025		Dec 31, 2024
Nonperforming loans and leases HFI	$	1,251	$	1,429
Nonperforming LHFS	12		—
Foreclosed real estate	4		3
Other foreclosed property	49		45
Total nonperforming assets	$	1,316	$	1,477
Residential mortgage loans in the process of foreclosure	$	187	$	169

Summary Of Loan Modifications

Loan Modifications

The following tables summarize the amortized cost basis and the weighted average financial effect of loans to borrowers experiencing financial difficulty that were modified during the period, disaggregated by class of financing receivable and type of modification granted.


Three Months Ended June 30, 2025 (Dollars in millions)	Renewals		Term Extensions		Interest Rate Adjustments		Capitalizations		Payment Delays		Combination - Capitalization and Term Extension		Other		Total Modified Loans		Percentage of Total Class of Financing Receivable
Commercial:
Commercial and industrial	$	359	$	—	$	—	$	—	$	—	$	—	$	20	$	379	0.23	%
CRE	278		—		—		—		—		—		—		278		1.37
Commercial construction	45		—		—		—		—		—		—		45		0.54
Consumer:					—
Residential mortgage	—		23		—		26		41		81		17		188		0.33
Home equity	—		—		—		—		—		—		2		2		0.02
Indirect auto	—		12		—		—		567		—		8		587		2.39
Other consumer	—		10		—		—		—		—		—		10		0.03
Credit card	—		—		8		—		—		—		—		8		0.16
Total	$	682	$	45	$	8	$	26	$	608	$	81	$	47	$	1,497	0.47

Six Months Ended June 30, 2025 (Dollars in millions)	Renewals		Term Extensions		Interest Rate Adjustments		Capitalizations		Payment Delays		Combination - Capitalization and Term Extension		Other		Total Modified Loans		Percentage of Total Class of Financing Receivable
Commercial:
Commercial and industrial	$	528	$	—	$	—	$	—	$	46	$	—	$	20	$	594	0.37	%
CRE	476		—		—		—		—		—		—		476		2.35
Commercial construction	73		—		—		—		—		—		—		73		0.88
Consumer:
Residential mortgage	—		39		—		61		58		162		38		358		0.62
Home equity	—		—		—		—		—		—		3		3		0.03
Indirect auto	—		17		1		—		987		—		16		1,021		4.16
Other consumer	—		19		—		—		—		—		1		20		0.06
Credit card	—		—		16		—		—		—		—		16		0.33
Total	$	1,077	$	75	$	17	$	61	$	1,091	$	162	$	78	$	2,561	0.80


Three Months Ended June 30, 2024 (Dollars in millions)	Renewals		Term Extensions		Capitalizations		Payment Delays		Combination - Capitalization and Term Extension		Other		Total Modified Loans		Percentage of Total Class of Financing Receivable
Commercial:
Commercial and industrial	$	198	$	—	$	—	$	—	$	—	$	52	$	250	0.16	%
CRE	31		—		—		—		—		—		31		0.14
Commercial construction	5		—		—		—		—		—		5		0.06
Consumer:
Residential mortgage	—		24		14		25		59		15		137		0.25
Home equity	—		1		—		—		—		2		3		0.03
Indirect auto	—		6		—		642		—		7		655		2.98
Other consumer	—		10		—		—		—		1		11		0.04
Credit card	—		—		—		—		—		10		10		0.20
Total	$	234	$	41	$	14	$	667	$	59	$	87	$	1,102	0.36

Six Months Ended June 30, 2024 (Dollars in millions)	Renewals		Term Extensions		Capitalizations		Payment Delays		Combination - Capitalization and Term Extension		Other		Total Modified Loans		Percentage of Total Class of Financing Receivable
Commercial:
Commercial and industrial	$	321	$	—	$	—	$	2	$	—	$	67	$	390	0.25	%
CRE	170		—		—		—		—		13		183		0.84
Commercial construction	45		—		—		—		—		—		45		0.58
Consumer:
Residential mortgage	—		43		26		33		112		25		239		0.44
Home equity	—		1		—		—		—		5		6		0.06
Indirect auto	—		12		—		989		—		15		1,016		4.62
Other consumer	—		19		—		1		—		2		22		0.08

Credit card	—		—		—		—		—		20		20		0.40
Total	$	536	$	75	$	26	$	1,025	$	112	$	147	$	1,921	0.63

Financing Receivable, Modified, Financial Effect

Three Months Ended June 30, 2025

Loan Type

Financial Effect

Renewals

Commercial and industrial

Extended the term by 14 months and increased the interest rate by 0.4%.

CRE

Extended the term by 13 months and increased the interest rate by 0.2%.

Commercial construction

Extended the term by 2 months.

Term Extensions

Residential mortgage

Extended the term by 90 months.

Indirect auto

Extended the term by 28 months.

Other consumer

Extended the term by 32 months.

Interest Rate Adjustments

Credit card

Decreased the interest rate by 17%.

Capitalizations

Residential mortgage

Capitalized a portion of forborne loan and other advanced payments into the outstanding loan balance.

Payment Delays

Residential mortgage

Provided 235 days of payment deferral.

Indirect auto

Provided 247 days of payment deferral.

Combination - Capitalization and Term Extension

Residential mortgage

Capitalized a portion of forborne loan and other advanced payments into the outstanding loan balance and extended the term by 94 months.

Six Months Ended June 30, 2025

Loan Type

Financial Effect

Renewals

Commercial and industrial

Extended the term by 12 months and increased the interest rate by 0.4%.

CRE

Extended the term by 15 months and increased the interest rate by 0.1%.

Commercial construction

Extended the term by 6 months.

Term Extensions

Residential mortgage

Extended the term by 96 months.

Indirect auto

Extended the term by 28 months.

Other consumer

Extended the term by 29 months.

Interest Rate Adjustments

Indirect auto

Decreased the interest rate by 7%.

Credit card

Decreased the interest rate by 17%.

Capitalizations

Residential mortgage

Capitalized a portion of forborne loan and other advanced payments into the outstanding loan balance.

Payment Delays

Commercial and industrial

Provided 180 days of payment deferral.

Residential mortgage

Provided 230 days of payment deferral.

Indirect auto

Provided 246 days of payment deferral.

Combination - Capitalization and Term Extension

Residential mortgage

Capitalized a portion of forborne loan and other advanced payments into the outstanding loan balance and extended the term by 96 months.

Three Months Ended June 30, 2024

Loan Type

Financial Effect

Renewals

Commercial and industrial

Extended the term by 28 months and increased the interest rate by 0.05%.

CRE

Extended the term by 15 months and increased the interest rate by 0.01%.

Commercial construction

Extended the term by 10 months and increased the interest rate by 0.8%.

Term Extensions

Residential mortgage

Extended the term by 103 months.

Home equity

Extended the term by 170 months.

Indirect auto

Extended the term by 26 months.

Other Consumer

Extended the term by 22 months.

Capitalizations

Residential mortgage

Capitalized a portion of forborne loan and other advanced payments into the outstanding loan balance.

Payment Delays

Residential mortgage

Provided 198 days of payment deferral.

Indirect auto

Provided 193 days of payment deferral.

Combination - Capitalization and Term Extension

Residential mortgage

Capitalized a portion of forborne loan and other advanced payments into the outstanding loan balance and extended the term by 82 months.

Six Months Ended June 30, 2024

Loan Type

Financial Effect

Renewals

Commercial and industrial

Extended the term by 22 months and increased the interest rate by 0.2%.

CRE

Extended the term by 8 months and increased the interest rate by 0.27%.

Commercial construction

Extended the term by 12 months and increased the interest rate by 0.1%.

Term Extensions

Residential mortgage

Extended the term by 105 months.

Home equity

Extended the term by 161 months.

Indirect auto

Extended the term by 26 months.

Other consumer

Extended the term by 24 months.

Capitalizations

Residential mortgage

Capitalized a portion of forborne loan and other advanced payments into the outstanding loan balance.

Payment Delays

Commercial and industrial

Provided 97 days of payment deferral.

Residential mortgage

Provided 198 days of payment deferral.

Indirect auto

Provided 186 days of payment deferral.

Other consumer

Provided 157 days of payment deferral

Combination - Capitalization and Term Extension

Residential mortgage

Capitalized a portion of forborne loan and other advanced payments into the outstanding loan balance and extended the term by 83 months.

The tables above exclude trial modifications totaling $42 million and $48 million as of June 30, 2025 and 2024, respectively. Such modifications will be included in the modification activity disclosure if the borrower successfully completes the trial period and the loan modification is finalized.

As of June 30, 2025 and December 31, 2024, Truist had $430 million and $336 million, respectively, in unfunded lending commitments to lend additional funds to borrowers experiencing financial difficulty for which Truist has modified the terms of the loans in the ways described above during the twelve months preceding June 30, 2025 and December 31, 2024, respectively.

Financing Receivable, Modified, Past Due

The following table summarizes the period-end delinquency status and amortized cost of loans that were modified in the last 12 months. The period-end delinquency status of loans that were modified are disclosed at amortized cost and reflect the impact of any paydowns, payoffs, or charge-offs that occurred subsequent to modification.


	Payment Status
June 30, 2025 (Dollars in millions)	Current		30-89 Days Past Due		90 Days or More Past Due		Total
Commercial:
Commercial and industrial	$	922	$	3	$	23	$	948
CRE	678		—		1		679
Commercial construction	143		—		—		143
Consumer:
Residential mortgage	343		111		132		586
Home equity	4		—		—		4
Indirect auto	1,021		220		32		1,273
Other consumer	31		2		1		34
Credit card	18		4		3		25
Total	$	3,160	$	340	$	192	$	3,692
Total nonaccrual loans included above	$	166	$	35	$	104	$	305

	Payment Status
December 31, 2024 (Dollars in millions)	Current		30-89 Days Past Due		90 Days or More Past Due		Total
Commercial:
Commercial and industrial	$	974	$	44	$	18	$	1,036
CRE	313		7		3		323
Commercial construction	79		—		—		79
Consumer:
Residential mortgage	279		95		102		476
Home equity	9		—		—		9
Indirect auto	1,025		213		35		1,273
Other consumer	32		3		1		36
Credit card	20		3		2		25
Total	$	2,731	$	365	$	161	$	3,257
Total nonaccrual loans included above	$	232	$	78	$	91	$	401

Financing Receivable, Modified, Subsequent Default

The following table provides the amortized cost basis of financing receivables that were modified in the last twelve months and were in payment default at period end:


June 30, 2025 (Dollars in millions)	Renewals		Term Extensions		Interest Rate Adjustments		Capitalizations		Payment Delays		Combination - Capitalization and Term Extension		Other		Total
Commercial:
Commercial and industrial	$	23	$	—	$	—	$	—	$	—	$	—	$	—	$	23
CRE	1		—		—		—		—		—		—		1

Consumer:
Residential mortgage	—		11		—		5		69		40		7		132

Indirect auto	—		1		—		—		29		—		2		32
Other consumer	—		1		—		—		—		—		—		1
Credit card	—		—		3		—		—		—		—		3
Total	$	24	$	13	$	3	$	5	$	98	$	40	$	9	$	192
















December 31, 2024 (Dollars in millions)	Renewals		Term Extensions		Interest Rate Adjustments		Capitalizations		Payment Delays		Combination - Capitalization and Term Extension		Other		Total
Commercial:
Commercial and industrial	$	18	$	—	$	—	$	—	$	—	$	—	$	—	$	18
CRE	3		—		—		—		—		—		—		3

Consumer:
Residential mortgage	—		13		—		6		44		33		6		102

Indirect auto	—		1		—		—		32		—		2		35
Other consumer	—		1		—		—		—		—		—		1
Credit card	—		—		2		—		—		—		—		2
Total	$	21	$	15	$	2	$	6	$	76	$	33	$	8	$	161

Selected Information About Loans And Leases Unearned

Unearned Income, Discounts, and Net Deferred Loan Fees and Costs

The following table presents additional information about loans and leases:


(Dollars in millions)	Jun 30, 2025		Dec 31, 2024
Unearned income, discounts, and net deferred loan fees and costs	$	526	$	595