Assets
Cash and due from banks
252 223 230 203 219 215 188 199 193 165 179 177 182 180 176 173 203 174 142 138
Interest-earning deposits with banks
749 506 542 707 682 502 32 225 121 56 45 43 126 323 177 764 1,273 1,667 2,099 1,870
Securities
Trading
5 6 5 5 5 5 4 4 4 5 5 4 4 4 4 4 4 4 4 4
Equity
22 22 22 22 21 21 21 22 21 23 23 21 22 22 21 20 21 23 23 23
Debt Securities, Available-for-Sale, Excluding Accrued Interest
2,076 2,088 2,004 1,941 1,286 1,284 1,251 1,247 1,221 1,273 1,334 1,354 1,373 1,406 1,399 1,426 1,502 1,553 1,571 1,427
Held to maturity (fair value $1,117,644 and $1,190,733)
1,210 1,257 1,279 1,358 1,383 1,410 1,435 1,492 1,520 1,545 1,569 1,594 1,624 1,678 1,705 1,698 1,408 1,282 1,067 865
Total securities
3,313 3,372 3,310 3,325 2,695 2,720 2,711 2,766 2,766 2,846 2,931 2,974 3,023 3,110 3,129 3,147 2,935 2,862 2,665 2,319
Loans held for sale (at fair value)
22 17 36 17 17 9 7 16 18 11 6 4 7 1 3 5 2 6 25 34
Loans
Commercial And Industrial
4,731 4,651 4,612 4,532 3,215 3,110 3,246 1,578 1,603 1,580 2,926 1,653 1,723 1,650 1,635 1,548 1,541 1,566 1,563 1,641
Commercial Real Estate
7,944 8,181 8,275 8,241 6,525 6,651 6,840 8,162 8,152 8,109 6,696 7,896 7,813 7,820 7,760 7,678 7,792 7,898 7,992 4,221
Construction Loans
1,464 1,404 1,399 1,440 799 796 782 742 787 829 850 965 1,023 1,046 1,154 1,185 1,195 1,154 1,165 515
Small Business
301 289 282 270 269 262 252 245 237 226 219 210 206 200 193 184
Residential Real Estate
2,870 2,842 2,873 2,917 2,489 2,466 2,461 2,442 2,440 2,421 2,425 2,338 2,221 2,096 2,036 1,959 1,844 1,706 1,605 1,223
Home Equity Loan
1,343 1,308 1,298 1,284 1,168 1,144 1,140 1,130 1,117 1,101 1,098 1,096 1,095 1,091 1,089 1,087 1,066 1,026 1,040 1,000
Consumer Portfolio Segment
42 39 46 38 36 35 39 37 34 30 33 31 27 19 36 33 33 30 29 23
Total loans
18,394 18,425 18,504 18,452 14,534 14,492 14,508 14,361 14,401 14,331 14,278 14,224 14,140 13,948 13,929 13,700 13,676 13,580 13,587 8,808
Less: allowance for credit losses
Commercial And Industrial
(14) (16)
Commercial Real Estate
(83) (38)
Construction Loans
(12) (4)
Small Business
(3) (4)
Residential Real Estate
(20) (11)
Consumer Portfolio Segment
(1) (0)
Total less: allowance for credit losses
(190) (170) (142) (152) (144) (145) (147) (92)
Less: allowance for credit losses
Commercial And Industrial
(57) (49) (48) (54) (38) (37) (31) (32) (38) (35) (36) (17) (15) (37) (28) (20) (14) (14) (14) (16)
Commercial Real Estate
(79) (83) (85) (77) (61) (61) (94) (87) (67) (63) (61) (74) (78) (76) (78) (80) (83) (84) (83) (38)
Construction Loans
(14) (14) (14) (16) (8) (8) (8) (8) (8) (8) (8) (9) (9) (9) (11) (11) (12) (12) (12) (4)
Small Business
(5) (4) (4) (4) (4) (4) (4) (4) (4) (3) (3) (3) (3) (3) (4) (4)
Residential Real Estate
(32) (30) (29) (30) (25) (25) (25) (25) (25) (24) (24) (23) (21) (20) (21) (21) (20) (18) (14) (11)
Home Equity Loan
(14) (13) (12) (12) (11) (11) (11) (11) (12) (12) (13) (13) (12) (12) (12) (12) (12) (12) (18) (19)
Consumer Portfolio Segment
(1) (1) (1) (1) (1) (1) (1) (1) (1) (1) (1) (1) (1) (1) (1) (1) (1) (1) (1) (0)
Total less: allowance for credit losses
(196) (191) (190) (190) (145) (144) (170) (164) (151) (147) (142) (141) (141) (159) (152) (147) (144) (145) (147) (92)
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Net loans
18,198 18,235 18,314 18,262 14,389 14,348 14,338 14,197 14,250 14,184 14,136 14,084 13,999 13,789 13,776 13,553 13,531 13,436 13,440 8,716
Federal Home Loan Bank stock
14 18 22 22 21 26 32 30 33 46 44 44 39 40 5 5 6 11 11 9
Bank premises and equipment, net
218 218 218 221 189 190 193 192 191 193 193 192 194 196 197 198 202 199 196 124
Goodwill
1,091 1,091 1,091 1,083 985 985 985 985 985 985 985 985 985 985 985 985 985 985 985 506
Other intangible assets
120 127 134 142 10 11 12 14 15 17 18 20 22 23 25 27 29 31 33 19
Cash surrender value of life insurance policies
381 380 379 376 305 306 304 302 300 298 297 296 297 295 293 293 293 291 289 245
Other assets
616 598 639 634 537 577 570 482 539 524 513 550 527 500 528 553 522 498 539 555
Total assets
24,974 24,784 24,913 24,993 20,049 19,888 19,374 19,408 19,411 19,325 19,347 19,368 19,401 19,442 19,294 19,703 19,982 20,159 20,423 14,533
Liabilities and Stockholders’ Equity
Deposits
Non-interest-bearing demand deposits
5,710 5,633 5,601 5,636 4,526 4,410 4,391 4,519 4,419 4,470 4,567 4,796 4,861 5,084 5,442 5,622 5,562 5,537 5,480 4,590
Savings and interest checking accounts
6,504 6,311 6,483 7,112 5,279 5,280 5,208 5,188 5,241 5,196 5,299 5,398 5,525 5,639 5,898 6,094 6,348 6,248 6,350 4,484
Money market
4,929 4,898 4,775 4,128 3,368 3,277 2,960 2,970 3,058 2,944 2,818 2,852 3,066 3,094 3,344 3,444 3,419 3,580 3,556 2,400
Time certificates of deposit of $100,000 and over
412
Other time certificates of deposits
373
Time certificates of deposit
3,249 3,255 3,268 3,420 2,720 2,710 2,747 2,763 2,691 2,433 2,181 2,013 1,796 1,455 1,196 1,179 1,311 1,399 1,531
Total deposits
20,392 20,098 20,127 20,296 15,894 15,676 15,306 15,441 15,410 15,043 14,866 15,060 15,248 15,272 15,879 16,339 16,640 16,763 16,917 12,260
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Borrowings
Federal Home Loan Bank and other borrowings
217 317 417 416 401 501 639 601 631 963 1,106 888 788 880 1 1 26 26 26 26
Long-term borrowings
0 0 0 0 14 19
Long-Term Line of Credit
125 100 50 0
Junior Subordinated Notes
63 63 63 63 63 63 63 63 63 63 63 63 63 63 63 63 63 63 63 63
Subordinated Debt
297 297 296 296 296 297 0 0 0 50 50 50 50 50 50 50 50 50 50
Total borrowings
701 776 826 775 759 860 701 663 693 1,025 1,218 1,000 901 992 113 113 138 138 152 157
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Other liabilities
368 368 395 375 321 319 373 327 389 372 368 423 397 347 415 434 333 292 336 360
Total liabilities
21,462 21,242 21,347 21,446 16,974 16,855 16,380 16,431 16,492 16,440 16,452 16,483 16,546 16,611 16,407 16,886 17,111 17,194 17,405 12,777
Commitments and contingencies
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Stockholders’ equity
Preferred stock, $0.01 par value, authorized: 1,000,000 shares, outstanding: none
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Common stock, $0.01 par value, authorized: 75,000,000 shares, issued and outstanding: 47,618,626 shares at June 30, 2026 and 49,243,813 shares at December 31, 2025 (includes 283,135 and 254,359 shares of unvested participating restricted stock awards, respectively)
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Value of shares held in rabbi trust at cost: 73,303 shares at June 30, 2026 and 75,247 shares at December 31, 2025
(4) (4) (3) (4) (3) (4) (3) (3) (3) (3) (3) (3) (3) (3) (3) (3) (3) (3) (3) (3)
Deferred compensation and other retirement benefit obligations
4 4 3 4 3 4 3 3 3 3 3 3 3 3 3 3 3 3 3 3
Additional paid in capital
2,201 2,273 2,336 2,371 1,915 1,911 1,910 1,907 1,905 1,902 1,932 1,999 1,998 1,995 2,115 2,113 2,146 2,248 2,249 949
Retained earnings
1,369 1,318 1,269 1,223 1,218 1,192 1,173 1,147 1,128 1,101 1,077 1,046 1,010 971 934 883 834 796 767 788
Accumulated other comprehensive loss, net of tax
(59) (49) (40) (48) (58) (70) (90) (77) (114) (119) (115) (161) (153) (136) (163) (179) (109) (78) 2 19
Total stockholders’ equity
3,512 3,542 3,566 3,547 3,075 3,033 2,993 2,977 2,919 2,884 2,895 2,885 2,855 2,831 2,887 2,817 2,871 2,965 3,018 1,756
Total liabilities and stockholders’ equity
24,974 24,784 24,913 24,993 20,049 19,888 19,374 19,408 19,411 19,325 19,347 19,368 19,401 19,442 19,294 19,703 19,982 20,159 20,423 14,533
Debt Securities, Available-for-sale, Amortized Cost
1,606 1,627 1,647 1,584 1,425
Debt Securities, Held-to-maturity, Fair Value
1,118 1,166 1,191 1,261 1,274 1,289 1,292 1,377 1,358 1,384 1,418 1,384 1,444 1,520 1,525 1,510 1,297 1,211 1,064 875
Interest-bearing Deposit Liabilities
0
Unamortized Debt Issuance Expense
Junior Subordinated Debt
0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Subordinated Debt
3 3 4 4 4 3 0 0 0 0 0 0 0 0 0 0
Preferred Stock, Shares Authorized
0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01
Preferred Stock, Shares Outstanding
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Common Stock, Shares Authorized
75.0 75.0 75.0 75.0 75.0 75.0 75.0 75.0 75.0 75.0 75.0 75.0 75.0 75.0 75.0 75.0 75.0 75.0 75.0 75.0
Common Stock, Shares, Issued
Common Class A
47.6 48.6 49.2 49.8 42.6 42.6 42.5 42.5 42.5 42.5 42.9 44.1 44.1 44.1 45.6 45.6 46.1 47.4 47.3 33.0
Total common Stock, Shares, Issued
47.6 48.6 49.2 49.8 42.6 42.6 42.5 42.5 42.5 42.5 42.9 44.1 44.1 44.1 45.6 45.6 46.1 47.4 47.3 33.0
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number
0.3 0.3 0.3 0.3 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.1 0.1 0.1 0.1 0.1 0.1
Shares Held in Rabbi Trust at Cost
0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1
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