COMMERCE BANCSHARES INC /MO/, 10-Q filed on 11/10/2025
Quarterly Report
v3.25.3
Document and Entity Information Document - shares
 9 Months Ended
Sep. 30, 2025
Nov. 06, 2025
Cover [Abstract]    
Document Type 10-Q  
Document Quarterly Report true  
Document Period End Date Sep. 30, 2025  
Document Transition Report false  
Entity File Number 001-36502  
Entity Registrant Name COMMERCE BANCSHARES, INC.  
Entity Incorporation, State or Country Code MO  
Entity Tax Identification Number 43-0889454  
Entity Address, Address Line One 1000 Walnut  
Entity Address, City or Town Kansas City,  
Entity Address, State or Province MO  
Entity Address, Postal Zip Code 64106  
City Area Code 816  
Local Phone Number 234-2000  
Title of 12(b) Security $5 Par Value Common Stock  
Trading Symbol CBSH  
Security Exchange Name NASDAQ  
Entity Current Reporting Status Yes  
Entity Interactive Data Current Yes  
Entity Filer Category Large Accelerated Filer  
Entity Small Business false  
Entity Emerging Growth Company false  
Entity Shell Company false  
Entity Common Stock, Shares Outstanding   132,414,687
Entity Central Index Key 0000022356  
Document Fiscal Year Focus --12-31  
Document Fiscal Year Focus 2025  
Document Fiscal Period Focus Q3  
Amendment Flag false  
v3.25.3
Consolidated Balance Sheets - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
ASSETS    
Total $ 17,786,767 $ 17,220,103
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest (175,671) (162,742)
Net loans 17,611,096 17,057,361
Loans held for sale 2,538 3,242
Investment securities:    
Available for sale debt securities 8,998,586 9,136,853
Debt Securities, Trading 56,282 38,034
Equity Securities 53,193 57,442
Other 227,430 230,051
Investments, Total 9,335,491 9,462,380
Federal Funds Sold 0 3,000
Securities purchased under agreements to resell 850,000 625,000
Interest earning deposits with banks 2,477,668 2,624,553
Cash and due from banks 476,441 748,357
Premises and equipment, net 483,000 475,275
Goodwill 146,539 146,539
Other intangible assets, net 13,329 13,632
Other assets 892,586 837,288
Total assets 32,288,688 31,996,627
Deposits:    
Non-interest bearing 7,489,645 8,150,669
Savings, interest checking and money market 15,551,799 14,754,571
Certificates of deposit of less than $100,000 1,002,640 996,721
Certificates of deposit of $100,000 and over 1,413,965 1,391,683
Total deposits 25,458,049 25,293,644
Federal funds purchased and securities sold under agreements to repurchase 2,473,065 2,926,758
Other borrowings 9,270 56
Other liabilities 555,257 443,694
Total liabilities 28,495,641 28,664,152
Commerce Bancshares, Inc. stockholders' equity:    
Common stock 676,054 676,054
Capital surplus 3,390,526 3,395,645
Retained earnings 360,723 45,494
Treasury stock, at cost (121,972) (48,401)
Accumulated Other Comprehensive Income (Loss) (533,666) (758,911)
Total Commerce Bancshares, Inc. stockholders' equity 3,771,665 3,309,881
Non-controlling interest 21,382 22,594
Total equity 3,793,047 3,332,475
Total liabilities and equity $ 32,288,688 $ 31,996,627
v3.25.3
Consolidated Balance Sheets (Parenthetical) - USD ($)
Sep. 30, 2025
Dec. 31, 2024
Statement of Financial Position [Abstract]    
Mortgages Held-for-sale, Fair Value Disclosure $ 2,163,000 $ 2,981,000
Debt Securities, Available-for-sale, Amortized Cost 9,687,084,000 10,127,426,000
Allowance for Credit Losses $ 0 $ 0
Common stock, par value $ 5 $ 5
Common Stock, Shares Authorized 190,000,000 190,000,000
Common stock, shares issued 135,210,812 135,210,812
Treasury Stock, Common, Shares 1,947,967 784,203
v3.25.3
Consolidated Statements Of Income - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
INTEREST INCOME        
Interest and fees on loans $ 263,855 $ 270,086 $ 778,493 $ 802,226
Interest and fees on loans held for sale 36 39 99 125
Interest on investment securities 74,469 62,694 230,919 199,398
Interest on federal funds sold and short-term securities purchased under agreements to resell 0 0 31 37
Interest on Long-Term Securities Purchased Under Agreements To Resell 8,578 4,215 24,512 8,270
Interest on deposits with banks 27,167 35,034 76,052 90,096
Total interest income 374,105 372,068 1,110,106 1,100,152
INTEREST EXPENSE        
Savings, interest checking and money market 53,357 58,177 157,595 170,586
Certificates of deposit of less than $100,000 8,337 11,073 25,714 31,787
Certificates of deposit of $100,000 and over 13,258 16,603 39,491 51,591
Interest Expense, Federal Funds Purchased 1,428 2,792 4,228 10,780
Interest Expense, Securities Sold under Agreements to Repurchase 18,260 21,066 54,337 61,797
Interest on other borrowings 8 6 35 12
Total interest expense 94,648 109,717 281,400 326,553
Net interest income 279,457 262,351 828,706 773,599
Provision for credit losses 20,061 9,140 40,145 19,395
Net interest income after credit losses 259,396 253,211 788,561 754,204
NON-INTEREST INCOME        
Trust fee revenue 58,412 54,689 170,575 158,085
Bank card transaction fees 45,551 47,570 137,506 141,977
Deposit account charges and other fees 27,427 25,380 80,297 74,856
Capital market fees 5,138 5,995 16,425 14,647
Consumer brokerage services 6,698 4,619 16,866 13,505
Loan fees and sales 3,465 3,444 10,288 10,016
Other 14,820 17,328 54,116 47,031
Total non-interest income 161,511 159,025 486,073 460,117
INVESTMENT SECURITIES GAINS (LOSSES), NET        
INVESTMENT SECURITIES GAINS (LOSSES), NET 7,885 3,872 731 [1] 6,846 [1]
NON-INTEREST EXPENSE        
Salaries and employee benefits 157,461 153,122 465,564 454,043
Data processing and software 33,555 32,194 98,697 94,876
Net occupancy 13,474 13,411 41,148 39,529
Professional and other services 11,284 8,830 34,283 26,095
Marketing 6,670 7,278 18,487 16,670
Equipment 5,421 5,286 15,826 15,387
Supplies and communication 4,837 4,963 14,845 14,343
Deposit insurance 3,074 2,930 10,130 13,301
Other 8,242 9,586 27,851 41,267
Total non-interest expense 244,018 237,600 726,831 715,511
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest 184,774 178,508 548,534 505,656
Less income taxes 41,152 38,245 120,516 108,499
Net income 143,622 140,263 428,018 397,157
Less non-controlling interest expense (income) 2,104 2,256 2,429 6,934
Net income attributable to Commerce Bancshares, Inc. $ 141,518 $ 138,007 $ 425,589 $ 390,223
Net income per common share — basic $ 1.06 $ 1.02 $ 3.18 $ 2.87
Net income per common share — diluted $ 1.06 $ 1.01 $ 3.18 $ 2.86
[1] Available for sale debt securities, equity securities, and other securities.
v3.25.3
Consolidated Statements Of Comprehensive Income - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Statement of Comprehensive Income [Abstract]        
Net income $ 143,622 $ 140,263 $ 428,018 $ 397,157
Other comprehensive income (loss)        
Net unrealized gains (losses) on available for sale debt securities 56,893 215,550 226,555 325,225
Change in pension loss 34 100 377 453
Unrealized gains (losses) on cash flow hedge derivatives (9,544) 15,263 (1,687) (11,170)
Current period other comprehensive income (loss), net of tax 47,383 230,913 225,245 314,508
Comprehensive income (loss) 191,005 371,176 653,263 711,665
Less non-controlling interest (income) expense 2,104 2,256 2,429 6,934
Comprehensive income (loss) attributable to Commerce Bancshares, Inc. $ 188,901 $ 368,920 $ 650,834 $ 704,731
v3.25.3
Consolidated Statements Of Changes In Equity - USD ($)
$ in Thousands
Total
Common Stock [Member]
Capital Surplus [Member]
Retained Earnings [Member]
Treasury Stock, Common
Accumulated Other Comprehensive Income (Loss) [Member]
Non-Controlling Interest [Member]
Balance at Dec. 31, 2023 $ 2,964,230 $ 655,322 $ 3,162,622 $ 53,183 $ (35,599) $ (891,412) $ 20,114
Net income 397,157     390,223     6,934
Other comprehensive income (loss) 314,508         314,508  
Distributions to non-controlling interest (5,590)           (5,590)
Purchase of treasury stock (124,603)       (124,603)    
Stock Issued During Period RSAs and SARs 0   (21,053)   21,053    
Stock-based compensation 12,731   12,731        
Cash dividends per share, Common Stock, Cash (104,894)     (104,894)      
Balance at Sep. 30, 2024 $ 3,453,539 655,322 3,154,300 338,512 (139,149) (576,904) 21,458
Common Stock, Dividends, Per Share, Cash Paid $ 0.771            
Balance at Jun. 30, 2024 $ 3,158,335 655,322 3,153,107 235,299 (98,176) (807,817) 20,600
Net income 140,263     138,007     2,256
Other comprehensive income (loss) 230,913         230,913  
Distributions to non-controlling interest (1,398)           (1,398)
Purchase of treasury stock (44,060)       (44,060)    
Stock Issued During Period RSAs and SARs 0   (3,087)   3,087    
Stock-based compensation 4,280   4,280        
Cash dividends per share, Common Stock, Cash (34,794)     (34,794)      
Balance at Sep. 30, 2024 $ 3,453,539 655,322 3,154,300 338,512 (139,149) (576,904) 21,458
Common Stock, Dividends, Per Share, Cash Paid $ 0.257            
Balance at Dec. 31, 2024 $ 3,332,475 676,054 3,395,645 45,494 (48,401) (758,911) 22,594
Net income 428,018     425,589     2,429
Other comprehensive income (loss) 225,245         225,245  
Distributions to non-controlling interest (3,641)           (3,641)
Purchase of treasury stock (91,544)       (91,544)    
Stock Issued During Period RSAs and SARs (4)   (17,977)   17,973    
Stock-based compensation 12,858   12,858        
Cash dividends per share, Common Stock, Cash (110,360)     (110,360)      
Balance at Sep. 30, 2025 $ 3,793,047 676,054 3,390,526 360,723 (121,972) (533,666) 21,382
Common Stock, Dividends, Per Share, Cash Paid $ 0.825            
Balance at Jun. 30, 2025 $ 3,660,114 676,054 3,386,218 255,938 (96,589) (581,049) 19,542
Net income 143,622     141,518     2,104
Other comprehensive income (loss) 47,383         47,383  
Distributions to non-controlling interest (264)           (264)
Purchase of treasury stock (25,468)       (25,468)    
Stock Issued During Period RSAs and SARs 0   (85)   85    
Stock-based compensation 4,393   4,393        
Cash dividends per share, Common Stock, Cash (36,733)     (36,733)      
Balance at Sep. 30, 2025 $ 3,793,047 $ 676,054 $ 3,390,526 $ 360,723 $ (121,972) $ (533,666) $ 21,382
Common Stock, Dividends, Per Share, Cash Paid $ 0.275            
v3.25.3
Consolidated Statements Of Changes In Equity (Parenthetical) - $ / shares
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Statement of Stockholders' Equity [Abstract]        
Common Stock, Dividends, Per Share, Cash Paid $ 0.275 $ 0.257 $ 0.825 $ 0.771
v3.25.3
Consolidated Statements Of Cash Flows - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
OPERATING ACTIVITIES:    
Net income $ 428,018 $ 397,157
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for credit losses 40,145 19,395
Provision for depreciation and amortization 41,756 40,513
Amortization (accretion) of investment security premiums (discounts), net (13,113) 2,781
Investment securities (gains) losses, net (A) [1] (731) (6,846)
Net (gains) losses on sales of loans held for sale (2,082) (1,823)
Originations of loans held for sale (90,432) (73,502)
Proceeds from sales of loans held for sale 92,578 77,468
Net (increase) decrease in trading debt securities, excluding unsettled transactions (26,588) (25,771)
Stock-based compensation 12,858 12,731
(Increase) decrease in interest receivable (4,889) (4,878)
Increase (decrease) in interest payable 6,149 (2,564)
Increase (decrease) in income taxes payable (21,405) 16,791
Other changes, net (83,448) 263,062
Net cash provided by (used in) operating activities 378,816 714,514
INVESTING ACTIVITIES:    
Proceeds from sales of investment securities (A) [1] 46,628 1,272,927
Proceeds from maturities/pay downs of investment securities (A) [1] 1,417,157 1,753,061
Purchases of investment securities (A) [1] (1,001,256) (2,095,180)
Net (increase) decrease in loans (598,897) 86,128
Securities purchased under agreements to resell (350,000) (350,000)
Repayments of securities purchased under agreements to resell 125,000 325,000
Purchases of premises and equipment (39,011) (32,114)
Sales of premises and equipment 100 8,858
Net cash provided by (used in) investing activities (400,279) 968,680
FINANCING ACTIVITIES:    
Net increase (decrease) in non-interest bearing, savings, interest checking and money market deposits 222,245 (17,928)
Net increase (decrease) in certificates of deposit 28,201 (250,608)
Net increase (decrease) in federal funds purchased and securities sold under agreements to repurchase (453,693) (726,586)
Net increase (decrease) in other borrowings 9,214 8,797
Purchases of treasury stock (92,270) (123,558)
Payments of Dividends (114,001) (110,484)
Proceeds from (Payment for) Other Financing Activity (4) 0
Net cash provided by (used in) financing activities (400,308) (1,220,367)
Increase (decrease) in cash, cash equivalents and restricted cash (421,771) 462,827
Cash, cash equivalents and restricted cash at beginning of year 3,375,992 2,687,283
Cash, cash equivalents and restricted cash at September 30 2,954,221 3,150,110
Supplemental Cash Flow Information:    
Income tax payments, net 134,228 86,048
Interest paid on deposits and borrowings 275,251 329,117
Loans transferred to foreclosed real estate $ 1,409 $ 1,138
[1] Available for sale debt securities, equity securities, and other securities.
v3.25.3
Consolidated Statements Of Cash Flows Cash Flow Additional Information - USD ($)
$ in Thousands
Sep. 30, 2025
Sep. 30, 2024
Additional Cash Flow Elements and Supplemental Cash Flow Information [Abstract]    
Restricted Cash and Cash Equivalent $ 112 $ 111
Cash, cash equivalents and restricted cash at September 30 $ 2,954,221 $ 3,150,110
v3.25.3
Principles Of Consolidation And Presentation
 9 Months Ended
Sep. 30, 2025
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Principles Of Consolidation And Presentation Principles of Consolidation and Presentation
The accompanying consolidated financial statements include the accounts of Commerce Bancshares, Inc. and all majority-owned subsidiaries (the Company). Most of the Company's operations are conducted by its subsidiary bank, Commerce Bank (the Bank). The consolidated financial statements in this report have not been audited by an independent registered public accounting firm, but in the opinion of management, all adjustments necessary to present fairly the financial position and the results of operations for the interim periods have been made. All such adjustments are of a normal recurring nature. All significant intercompany accounts and transactions have been eliminated. Certain reclassifications were made to 2024 data to conform to current year presentation. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheets and revenues and expenses for the periods. Actual results could differ significantly from those estimates. Management has evaluated subsequent events for potential recognition or disclosure. The results of operations for the nine month period ended September 30, 2025 are not necessarily indicative of results to be attained for the full year or any other interim period.

The consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States (GAAP) for interim financial information and with the instructions to Form 10-Q adopted by the Securities and Exchange Commission. Accordingly, the financial statements do not include all of the information and footnotes required by GAAP for complete financial statements and should be read in conjunction with the Company's most recent Annual Report on Form 10-K, containing the latest audited consolidated financial statements and notes thereto.
v3.25.3
Loans And Allowance For Credit Losses
 9 Months Ended
Sep. 30, 2025
Receivables [Abstract]  
Financing Receivables Loans and Allowance for Credit Losses
Major classifications within the Company’s held for investment loan portfolio at September 30, 2025 and December 31, 2024 are as follows:

(In thousands)
September 30, 2025December 31, 2024
Commercial:
Business$6,414,792 $6,053,820 
Real estate – construction and land1,433,652 1,409,901 
Real estate – business3,745,000 3,661,218 
Personal Banking:
Real estate – personal3,070,980 3,058,195 
Consumer2,171,599 2,073,123 
Revolving home equity364,241 356,650 
Consumer credit card575,317 595,930 
Overdrafts11,186 11,266 
Total loans$17,786,767 $17,220,103 

Accrued interest receivable totaled $73.7 million and $70.6 million at September 30, 2025 and December 31, 2024, respectively, and was included within other assets on the consolidated balance sheets. For the three months ended September 30, 2025, the Company wrote-off accrued interest by reversing interest income of $63 thousand and $1.5 million in the Commercial and Personal Banking portfolios, respectively. Similarly, for the nine months ended September 30, 2025, the Company wrote off accrued interest of $266 thousand and $4.8 million in the Commercial and Personal Banking portfolios, respectively. For the three months ended September 30, 2024, the Company reversed $56 thousand and $1.5 million in the Commercial and Personal Banking portfolios, respectively, and in the nine months ended September 30, 2024, reversed $491 thousand and $4.6 million in the Commercial and Personal Banking portfolios.

At September 30, 2025, loans of $3.5 billion were pledged at the Federal Home Loan Bank as collateral for borrowings and letters of credit obtained to secure public deposits. Additional loans of $2.7 billion were pledged at the Federal Reserve Bank as collateral for discount window borrowings.
Allowance for credit losses
The allowance for credit losses is measured using an average historical loss model which incorporates relevant information about past events (including historical credit loss experience on loans with similar risk characteristics), current conditions, and reasonable and supportable forecasts that affect the collectability of the remaining cash flows over the contractual term of the loans. The allowance for credit losses is measured on a collective (pool) basis. Loans are aggregated into pools based on similar risk characteristics including borrower type, collateral type and expected credit loss patterns. Loans that do not share similar risk characteristics, primarily large loans on non-accrual status, are evaluated on an individual basis.

For loans evaluated for credit losses on a collective basis, average historical loss rates are calculated for each pool using the Company’s historical net charge-offs (combined charge-offs and recoveries by observable historical reporting period) and outstanding loan balances during a lookback period. Lookback periods can be different based on the individual pool and represent management’s credit expectations for the pool of loans over the remaining contractual life. In certain loan pools, if the Company’s own historical loss rate is not reflective of the loss expectations, the historical loss rate is augmented by industry and peer data. The calculated average net charge-off rate is then adjusted for current conditions and reasonable and supportable forecasts. These adjustments increase or decrease the average historical loss rate to reflect expectations of future losses given a single path economic forecast of key macroeconomic variables including GDP, disposable income, various interest rates, unemployment rate, consumer price index (CPI) inflation rate, housing price index (HPI), commercial real estate price index (CREPI) and market volatility. The adjustments are based on results from various regression models projecting the impact of the macroeconomic variables to loss rates. The forecast is used for a reasonable and supportable period before reverting back to historical averages using a straight-line method. The forecast-adjusted loss rate is applied to the amortized cost of loans over the remaining contractual lives, adjusted for expected prepayments. The contractual term excludes expected extensions (except for contractual extensions at the option of the customer), renewals and modifications. Credit cards and certain similar consumer lines of credit do not have stated maturities and therefore, for these loan classes, remaining contractual lives are determined by estimating future cash flows expected to be received from customers until payments have been fully allocated to outstanding balances. Additionally, the allowance for credit losses considers other qualitative factors not included in historical loss rates or macroeconomic forecast such as changes in portfolio composition, underwriting practices, or significant unique events or conditions.
Key assumptions in the Company’s allowance for credit loss model include the economic forecast, the reasonable and supportable period, forecasted macro-economic variables, prepayment assumptions and qualitative factors applied for portfolio composition changes, underwriting practices, or significant unique events or conditions. The assumptions utilized in estimating the Company’s allowance for credit losses at September 30, 2025 and June 30, 2025 are discussed below.

Key AssumptionSeptember 30, 2025December 31, 2024
Overall economic forecast
•The US economy faces significant downside risks, including a softer labor market
•Includes an expected 25 basis point Federal Reserve rate cut in December and an additional three 25 basis point cuts in 2026
•Economy expected to expand by 2% in 2026
•The United States economy will grow
•Expansionary fiscal policy and less immigration cause the labor market to tighten, pushing the unemployment rate lower
Reasonable and supportable period and related reversion period
•Reasonable and supportable period of one year
•Reversion to historical average loss rates within two quarters using a straight-line method
•Reasonable and supportable period of one year
•Reversion to historical average loss rates within two quarters using a straight-line method
Forecasted macro-economic variables
•Unemployment rate of 4.4% during the supportable forecast period
•Real GDP growth ranges from 1.6% to 2.2%
•BBB corporate yield from 5.5% to 5.6%
•Housing Price Index from 324.0 to 327.9
•Unemployment rate ranges from 4.2% to 4.3% during the supportable forecast period
•Real GDP growth ranges from 2.5% to 2.7%
•BBB corporate yield from 5.2% to 5.3%
•Housing Price Index from 324.8 to 335.4
Prepayment assumptions
Commercial loans
•5% for most loan pools
Personal banking loans
•Ranging from 8.2% to 23.8% for most loan pools
•Consumer credit cards 66.8%
Commercial loans
•5% for most loan pools
Personal banking loans
•Ranging from 8.9% to 23.1% for most loan pools
•Consumer credit cards 66.5%
Qualitative factors
Added qualitative factors related to:
•Changes in the composition of the loan portfolios
•Certain industries experiencing stress or emerging concerns within the portfolio
•Loans downgraded to special mention, substandard, or non-accrual status
•Consumer credit card, auto, other vehicle and other consumer portfolios loss expectation adjustment
•Certain portfolios where the model assumptions do not capture all identified loss risk
Added qualitative factors related to:
•Changes in the composition of the loan portfolios
•Certain industries experiencing stress or emerging concerns within the portfolio
•Loans downgraded to special mention, substandard, or non-accrual status
•Consumer auto portfolio
•Certain portfolios where the model assumptions do not capture all identified loss risk

The liability for unfunded lending commitments utilizes the same model as the allowance for credit losses on loans, however, the liability for unfunded lending commitments incorporates an assumption for the portion of unfunded commitments that are expected to be funded.

Sensitivity in the Allowance for Credit Loss model
The allowance for credit losses is an estimate that requires significant judgment including projections of the macro-economic environment. The forecasted macro-economic environment continuously changes which can cause fluctuations in the estimate of expected credit losses.

The current forecast includes projections on inflation, labor market trends, Federal Reserve monetary policy, and business growth. Economic, political, and social developments regionally, nationally, and even globally could significantly modify economic projections used in the estimation of the allowance for credit losses. Uncertainty around increased unemployment and other negative economic trends is heightened.

Potential changes in any one economic variable may or may not affect the overall allowance because a variety of economic variables and inputs are considered in estimating the allowance, and changes in those variables and inputs may not occur at the same rate, may not be consistent across product types, and may have offsetting impacts to other changing variables and inputs.
A summary of the activity in the allowance for credit losses on loans and the liability for unfunded lending commitments for the three and nine months ended September 30, 2025 and 2024, respectively, follows:

For the Three Months Ended September 30, 2025
For the Nine Months Ended September 30, 2025
(In thousands)CommercialPersonal Banking

Total
CommercialPersonal Banking

Total
ALLOWANCE FOR CREDIT LOSSES ON LOANS
Balance at beginning of period$106,854 $58,406 $165,260 $106,769 $55,973 $162,742 
Provision for credit losses on loans6,873 13,866 20,739 7,412 36,341 43,753 
Deductions:
   Loans charged off889 11,739 12,628 2,110 35,836 37,946 
   Less recoveries on loans86 2,214 2,300 853 6,269 7,122 
Net loan charge-offs (recoveries)803 9,525 10,328 1,257 29,567 30,824 
Balance September 30, 2025$112,924 $62,747 $175,671 $112,924 $62,747 $175,671 
LIABILITY FOR UNFUNDED LENDING COMMITMENTS
Balance at beginning of period$14,771 $1,234 $16,005 $17,887 $1,048 $18,935 
Provision for credit losses on unfunded lending commitments(756)78 (678)(3,872)264 (3,608)
Balance September 30, 2025$14,015 $1,312 $15,327 $14,015 $1,312 $15,327 
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LIABILITY FOR UNFUNDED LENDING COMMITMENTS$126,939 $64,059 $190,998 $126,939 $64,059 $190,998 

For the Three Months Ended September 30, 2024
For the Nine Months Ended September 30, 2024
(In thousands)CommercialPersonal Banking

Total
CommercialPersonal Banking

Total
ALLOWANCE FOR CREDIT LOSSES ON LOANS
Balance at beginning of period$107,217 $51,340 $158,557 $108,201 $54,194 $162,395 
Provision for credit losses on loans(63)11,924 11,861 (551)27,208 26,657 
Deductions:
   Loans charged off362 11,395 11,757 1,528 33,262 34,790 
   Less recoveries on loans255 1,923 2,178 925 5,652 6,577 
Net loan charge-offs (recoveries)107 9,472 9,579 603 27,610 28,213 
Balance September 30, 2024$107,047 $53,792 $160,839 $107,047 $53,792 $160,839 
LIABILITY FOR UNFUNDED LENDING COMMITMENTS
Balance at beginning of period$19,363 $1,342 $20,705 $23,909 $1,337 $25,246 
Provision for credit losses on unfunded lending commitments(2,715)(6)(2,721)(7,261)(1)(7,262)
Balance September 30, 2024$16,648 $1,336 $17,984 $16,648 $1,336 $17,984 
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LIABILITY FOR UNFUNDED LENDING COMMITMENTS$123,695 $55,128 $178,823 $123,695 $55,128 $178,823 
Delinquent and non-accrual loans
The Company considers loans past due on the day following the contractual repayment date, if the contractual repayment was not received by the Company as of the end of the business day. The following table provides aging information on the Company’s past due and accruing loans, in addition to the balances of loans on non-accrual status, at September 30, 2025 and December 31, 2024.




(In thousands)
Current or Less Than 30 Days Past Due

30 – 89
Days Past Due
90 Days Past Due and Still AccruingNon-accrual



Total
September 30, 2025
Commercial:
Business$6,407,415 $6,323 $799 $255 $6,414,792 
Real estate – construction and land1,433,078 383 — 191 1,433,652 
Real estate – business3,727,793 2,267 — 14,940 3,745,000 
Personal Banking:
Real estate – personal 3,054,874 5,573 9,666 867 3,070,980 
Consumer2,140,052 28,754 2,793 — 2,171,599 
Revolving home equity362,863 760 618 — 364,241 
Consumer credit card560,209 7,448 7,660 — 575,317 
Overdrafts10,952 234 — — 11,186 
Total $17,697,236 $51,742 $21,536 $16,253 $17,786,767 
December 31, 2024
Commercial:
Business$6,051,654 $1,501 $564 $101 $6,053,820 
Real estate – construction and land1,409,681 — — 220 1,409,901 
Real estate – business3,640,643 5,621 — 14,954 3,661,218 
Personal Banking:
Real estate – personal 3,021,017 25,267 10,885 1,026 3,058,195 
Consumer2,029,115 40,398 3,610 — 2,073,123 
Revolving home equity351,056 2,798 819 1,977 356,650 
Consumer credit card579,670 7,622 8,638 — 595,930 
Overdrafts10,953 313 — — 11,266 
Total $17,093,789 $83,520 $24,516 $18,278 $17,220,103 

At September 30, 2025, the Company had no non-accrual loans that had no allowance for credit loss, compared to $2.0 million in non-accrual loans that had no allowance for credit loss at December 31, 2024. The Company did not record any interest income on non-accrual loans during the nine months ended September 30, 2025 and 2024, respectively.

Credit quality indicators
The following table provides information about the credit quality of the Commercial loan portfolio. The Company utilizes an internal risk rating system comprised of a series of grades to categorize loans according to perceived risk associated with the expectation of debt repayment based on borrower specific information including, but not limited to, current financial information, historical payment experience, industry information, collateral levels and collateral types. The “pass” category consists of a range of loan grades that reflect increasing, though still acceptable, risk. A loan is assigned the risk rating at origination and then monitored throughout the contractual term for possible risk rating changes. Movement of risk through the various grade levels in the “pass” category is monitored for early identification of credit deterioration. The “special mention” rating is applied to loans where the borrower exhibits negative financial trends due to borrower specific or systemic conditions that, if left uncorrected, threaten its capacity to meet its debt obligations. The borrower is believed to have sufficient financial flexibility to react to and resolve its negative financial situation. It is a transitional grade that is closely monitored for improvement or deterioration. The “substandard” rating is applied to loans where the borrower exhibits well-defined weaknesses that jeopardize its continued performance and are of a severity that the distinct possibility of default exists. Loans are placed on “non-accrual” when management does not expect to collect payments consistent with acceptable and agreed upon terms of repayment.

All loans are analyzed for risk rating updates annually. For larger loans, rating assessments may be more frequent if relevant information is obtained earlier through debt covenant monitoring or overall relationship management. Smaller loans
are monitored as identified by the loan officer based on the risk profile of the individual borrower or if the loan becomes past due related to credit issues. Loans rated special mention, substandard or non-accrual are subject to quarterly review and monitoring processes. In addition to the regular monitoring performed by the lending personnel and credit committees, loans are subject to review by a credit review department which verifies the appropriateness of the risk ratings for the loans chosen as part of its risk-based review plan.

The risk category of loans in the Commercial portfolio as of September 30, 2025 and December 31, 2024 are as follows:

Term Loans Amortized Cost Basis by Origination Year
(In thousands)20252024202320222021PriorRevolving Loans Amortized Cost BasisTotal
September 30, 2025
Business
    Risk Rating:
       Pass$1,319,194 $974,365 $624,134 $441,379 $275,042 $380,683 $2,176,145 $6,190,942 
       Special mention6,442 4,184 5,587 3,955 1,301 1,738 85,100 108,307 
       Substandard318 1,775 4,341 17,268 8,053 967 82,566 115,288 
       Non-accrual— 93 161 — — 1 — 255 
   Total Business:$1,325,954 $980,417 $634,223 $462,602 $284,396 $383,389 $2,343,811 $6,414,792 
Gross write-offs for the nine months ended September 30, 2025
$— $344 $116 $165 $— $10 $1,051 $1,686 
Real estate-construction
    Risk Rating:
       Pass$318,318 $328,321 $398,141 $297,506 $4,069 $3,090 $23,294 $1,372,739 
       Special mention14,181 — — 25,854 — — — 40,035 
       Substandard— — 2,439 — 18,248 — — 20,687 
       Non-accrual— 191 — — — — — 191 
    Total Real estate-construction:$332,499 $328,512 $400,580 $323,360 $22,317 $3,090 $23,294 $1,433,652 
Gross write-offs for the nine months ended September 30, 2025
$— $24 $— $— $— $— $— $24 
Real estate-business
    Risk Rating:
       Pass$965,802 $558,063 $394,876 $592,924 $384,769 $486,977 $119,098 $3,502,509 
       Special mention23,926 46,146 2,821 12,860 980 2,423 13 89,169 
       Substandard— 999 25,295 27,177 13,560 64,397 6,954 138,382 
       Non-accrual— — 144 124 164 14,508 — 14,940 
   Total Real estate-business:$989,728 $605,208 $423,136 $633,085 $399,473 $568,305 $126,065 $3,745,000 
Gross write-offs for the nine months ended September 30, 2025
$— $— $400 $— $— $— $— $400 
Commercial loans
    Risk Rating:
       Pass$2,603,314 $1,860,749 $1,417,151 $1,331,809 $663,880 $870,750 $2,318,537 $11,066,190 
       Special mention44,549 50,330 8,408 42,669 2,281 4,161 85,113 237,511 
       Substandard318 2,774 32,075 44,445 39,861 65,364 89,520 274,357 
       Non-accrual— 284 305 124 164 14,509 — 15,386 
   Total Commercial loans:$2,648,181 $1,914,137 $1,457,939 $1,419,047 $706,186 $954,784 $2,493,170 $11,593,444 
Gross write-offs for the nine months ended September 30, 2025
$— $368 $516 $165 $— $10 $1,051 $2,110 
Term Loans Amortized Cost Basis by Origination Year
(In thousands)20242023202220212020PriorRevolving Loans Amortized Cost BasisTotal
December 31, 2024
Business
    Risk Rating:
       Pass$1,505,299 $956,449 $596,681 $405,669 $148,483 $350,106 $1,887,596 $5,850,283 
       Special mention13,576 7,978 8,941 4,155 263 2,065 34,997 71,975 
       Substandard2,218 5,596 19,145 5,069 928 10,086 88,419 131,461 
       Non-accrual1 47 1 — — 52 — 101 
   Total Business:$1,521,094 $970,070 $624,768 $414,893 $149,674 $362,309 $2,011,012 $6,053,820 
Gross write-offs for the year ended December 31, 2024$200 $275 $40 $53 $— $18 $1,387 $1,973 
Real estate-construction
    Risk Rating:
       Pass$419,562 $442,720 $451,606 $53,462 $3,143 $2,450 $34,075 $1,407,018 
       Special mention— — — — — — — — 
       Substandard— 2,663 — — — — — 2,663 
       Non-accrual220 — — — — — — 220 
    Total Real estate-construction:$419,782 $445,383 $451,606 $53,462 $3,143 $2,450 $34,075 $1,409,901 
Gross write-offs for the year ended December 31, 2024$— $— $— $— $— $— $— $— 
Real estate- business
    Risk Rating:
       Pass$755,498 $604,936 $753,023 $448,041 $363,717 $368,350 $129,868 $3,423,433 
       Special mention324 — 12,383 12,524 1,643 298 — 27,172 
       Substandard1,280 23,420 36,657 18,429 4,416 104,382 7,075 195,659 
       Non-accrual— — 170 — 14,668 116 — 14,954 
   Total Real-estate business:$757,102 $628,356 $802,233 $478,994 $384,444 $473,146 $136,943 $3,661,218 
Gross write-offs for the year ended December 31, 2024$— $— $— $— $— $62 $— $62 
Commercial loans
    Risk Rating:
       Pass$2,680,359 $2,004,105 $1,801,310 $907,172 $515,343 $720,906 $2,051,539 $10,680,734 
       Special mention13,900 7,978 21,324 16,679 1,906 2,363 34,997 99,147 
       Substandard3,498 31,679 55,802 23,498 5,344 114,468 95,494 329,783 
       Non-accrual221 47 171 — 14,668 168 — 15,275 
   Total Commercial loans:$2,697,978 $2,043,809 $1,878,607 $947,349 $537,261 $837,905 $2,182,030 $11,124,939 
Gross write-offs for the year ended December 31, 2024$200 $275 $40 $53 $— $80 $1,387 $2,035 
The credit quality of Personal Banking loans is monitored primarily on the basis of aging/delinquency, and this information is provided as of September 30, 2025 and December 31, 2024 below.

Term Loans Amortized Cost Basis by Origination Year
(In thousands)20252024202320222021PriorRevolving Loans Amortized Cost BasisTotal
September 30, 2025
Real estate-personal
       Current to 90 days past due$300,852 $334,177 $353,865 $375,031 $449,366 $1,238,685 $8,471 $3,060,447 
       Over 90 days past due— 150 635 1,993 1,582 5,306 — 9,666 
       Non-accrual— — — — 104 763 — 867 
   Total Real estate-personal:$300,852 $334,327 $354,500 $377,024 $451,052 $1,244,754 $8,471 $3,070,980 
Gross write-offs for the nine months ended September 30, 2025
$— $47 $65 $228 $48 $29 $— $417 
Consumer
       Current to 90 days past due$403,858 $285,987 $271,178 $149,318 $104,175 $72,581 $881,709 $2,168,806 
       Over 90 days past due90 414 177 184 123 225 1,580 2,793 
    Total Consumer:$403,948 $286,401 $271,355 $149,502 $104,298 $72,806 $883,289 $2,171,599 
Gross write-offs for the nine months ended September 30, 2025
$325 $2,884 $2,428 $1,414 $589 $280 $1,508 $9,428 
Revolving home equity
       Current to 90 days past due$— $— $— $— $— $— $363,623 $363,623 
       Over 90 days past due— — — — — — 618 618 
   Total Revolving home equity:$— $— $— $— $— $— $364,241 $364,241 
Gross write-offs for the nine months ended September 30, 2025
$— $— $— $— $— $— $15 $15 
Consumer credit card
       Current to 90 days past due$— $— $— $— $— $— $567,657 $567,657 
       Over 90 days past due— — — — — — 7,660 7,660 
   Total Consumer credit card:$— $— $— $— $— $— $575,317 $575,317 
Gross write-offs for the nine months ended September 30, 2025
$— $— $— $— $— $— $24,102 $24,102 
Overdrafts
       Current to 90 days past due$11,186 $— $— $— $— $— $— $11,186 
    Total Overdrafts:$11,186 $— $— $— $— $— $— $11,186 
Gross write-offs for the nine months ended September 30, 2025
$1,874 $— $— $— $— $— $— $1,874 
Personal banking loans
       Current to 90 days past due$715,896 $620,164 $625,043 $524,349 $553,541 $1,311,266 $1,821,460 $6,171,719 
       Over 90 days past due90 564 812 2,177 1,705 5,531 9,858 20,737 
       Non-accrual— — — — 104 763 — 867 
   Total Personal banking loans:$715,986 $620,728 $625,855 $526,526 $555,350 $1,317,560 $1,831,318 $6,193,323 
Gross write-offs for the nine months ended September 30, 2025
$2,199 $2,931 $2,493 $1,642 $637 $309 $25,625 $35,836 
Term Loans Amortized Cost Basis by Origination Year
(In thousands)20242023202220212020PriorRevolving Loans Amortized Cost BasisTotal
December 31, 2024
Real estate-personal
       Current to 90 days past due$387,119 $387,486 $404,680 $482,733 $637,115 $736,217 $10,934 $3,046,284 
       Over 90 days past due665 892 1,431 1,890 3,180 2,827 — 10,885 
       Non-accrual— 8 — 108 — 910 — 1,026 
   Total Real estate-personal:$387,784 $388,386 $406,111 $484,731 $640,295 $739,954 $10,934 $3,058,195 
Gross write-offs for the year ended December 31, 2024$— $82 $115 $83 $— $22 $— $302 
Consumer
       Current to 90 days past due$418,902 $369,855 $228,189 $165,030 $72,314 $49,890 $765,333 $2,069,513 
       Over 90 days past due465 584 406 213 47 367 1,528 3,610 
    Total Consumer:$419,367 $370,439 $228,595 $165,243 $72,361 $50,257 $766,861 $2,073,123 
Gross write-offs for the year ended December 31, 2024$1,438 $3,109 $2,859 $1,308 $540 $255 $2,309 $11,818 
Revolving home equity
       Current to 90 days past due$— $— $— $— $— $— $353,854 $353,854 
       Over 90 days past due— — — — — — 819 819 
       Non-accrual— — — — — — 1,977 $1,977 
   Total Revolving home equity:$— $— $— $— $— $— $356,650 $356,650 
Gross write-offs for the year ended December 31, 2024$— $— $— $— $— $— $— $— 
Consumer credit card
       Current to 90 days past due$— $— $— $— $— $— $587,292 $587,292 
       Over 90 days past due— — — — — — 8,638 8,638 
   Total Consumer credit card:$— $— $— $— $— $— $595,930 $595,930 
Gross write-offs for the year ended December 31, 2024$— $— $— $— $— $— $30,427 $30,427 
Overdrafts
       Current to 90 days past due$11,266 $— $— $— $— $— $— $11,266 
    Total Overdrafts:$11,266 $— $— $— $— $— $— $11,266 
Gross write-offs for the year ended December 31, 2024$2,689 $— $— $— $— $— $— $2,689 
Personal banking loans
       Current to 90 days past due$817,287 $757,341 $632,869 $647,763 $709,429 $786,107 $1,717,413 $6,068,209 
       Over 90 days past due1,130 1,476 1,837 2,103 3,227 3,194 10,985 23,952 
       Non-accrual— 8 — 108 — 910 1,977 3,003 
   Total Personal banking loans:$818,417 $758,825 $634,706 $649,974 $712,656 $790,211 $1,730,375 $6,095,164 
Gross write-offs for the year ended December 31, 2024$4,127 $3,191 $2,974 $1,391 $540 $277 $32,736 $45,236 
Collateral-dependent loans
The Company's collateral-dependent loans are comprised of large loans on non-accrual status. The Company requires that collateral-dependent loans are either over-collateralized or carry collateral equal to the amortized cost of the loan. The following table presents the amortized cost basis of collateral-dependent loans as of September 30, 2025 and December 31, 2024.

(In thousands)Real EstateTotal
September 30, 2025
Commercial:
  Real estate - business$14,508 $14,508 
Total$14,508 $14,508 
December 31, 2024
Commercial:
Real estate - business$14,667 $14,667 
Personal Banking:
Revolving home equity1,977 1,977 
Total$16,644 $16,644 

Modifications for borrowers experiencing financial difficulty
When borrowers are experiencing financial difficulty, the Company may agree to modify the contractual terms of a loan to a borrower in order to assist the borrower in repaying principal and interest owed to the Company.

The Company's modifications of loans to borrowers experiencing financial difficulty are generally in the form of term extensions, repayment plans, payment deferrals, forbearance agreements, interest rate reductions, forgiveness of interest and/or fees, or any combination thereof. Commercial loans modified to borrowers experiencing financial difficulty are primarily loans that are substandard or non-accrual, where the maturity date was extended. Modifications on personal real estate loans are primarily those placed on forbearance plans, repayment plans, or deferral plans where monthly payments are suspended for a period of time or past due amounts are paid off over a certain period of time in the future or set up as a balloon payment at maturity. Modifications to certain credit card and other small consumer loans are often modified under debt counseling programs that can reduce the contractual rate or, in certain instances, forgive certain fees and interest charges. Other consumer loans modified to borrowers experiencing financial difficulty consist of various other workout arrangements with consumer customers.
The following tables present the amortized cost at September 30, 2025 of loans that were modified during the three and nine months ended September 30, 2025 and the amortized cost at September 30, 2024 of loans that were modified during the three and nine months ended September 30, 2024.

For the Three Months Ended September 30, 2025



(Dollars in thousands)
Term ExtensionPayment DelayInterest Rate ReductionTotal% of Total Loan Category
September 30, 2025
Commercial:
Business$42,047 $— $— $42,047 0.7 %
Real estate – business19,253 — — 19,253 0.5 
Personal Banking:
Real estate – personal 31 1,869 — 1,900 0.1 
Consumer— — 19 19 — 
Consumer credit card— — 973 973 0.2 
Total $61,331 $1,869 $992 $64,192 0.4 %
For the Nine Months Ended September 30, 2025
September 30, 2025
Commercial:
Business$60,984 $— $— $60,984 1.0 %
Real estate – business96,549 — — 96,549 2.6 
Personal Banking:
Real estate – personal31 8,249 — 8,280 0.3 
Consumer— 35 79 114 — 
Consumer credit card— — 2,389 2,389 0.4 
Total$157,564 $8,284 $2,468 $168,316 0.9 %


For the Three Months Ended September 30, 2024



(Dollars in thousands)
Term ExtensionPayment DelayInterest Rate Reduction
Other
Total% of Total Loan Category
September 30, 2024
Commercial:
Business$36,892 $— $— $— $36,892 0.6 %
Real estate – construction and land1,915 — — — 1,915 0.1 
Real estate – business70,091 — — — 70,091 2.0 
Personal Banking:
Real estate – personal 42 4,024 — — 4,066 0.1 
Consumer— 720 30 — 750 — 
Consumer credit card— — 931 — 931 0.2 
Total $108,940 $4,744 $961 $— $114,645 0.7 %
For the Nine Months Ended September 30, 2024
September 30, 2024
Commercial:
Business$54,608 $— $— $— $54,608 0.9 %
Real estate – construction and land1,915 — — — 1,915 0.1 
Real estate – business117,718 — — — 117,718 3.3 
Personal Banking:
Real estate – personal42 6,586 — — 6,628 0.2 
Consumer— 720 84 44 848 — 
Consumer credit card— — 2,642 — 2,642 0.5 
Total$174,283 $7,306 $2,726 $44 $184,359 1.1 %
The estimate of lifetime expected losses utilized in the allowance for credit losses model is developed using average historical experience on loans with similar risk characteristics, which includes losses from modifications of loans to borrowers experiencing financial difficulty. As a result, a change to the allowance for credit losses is generally not recorded upon modification. For modifications to loans made to borrowers experiencing financial difficulty that are placed on non-accrual status, the Company determines the allowance for credit losses on an individual evaluation, using the same process that it utilizes for other loans on non-accrual status. Modifications made to commercial loans which are not on non-accrual status for borrowers experiencing financial difficulty are collectively evaluated based on internal risk rating, loan type, delinquency, historical experience, and current economic factors. Modifications made to borrowers experiencing financial difficulty for personal banking loans which are not on non-accrual status are collectively evaluated based on loan type, delinquency, historical experience, and current economic factors.

If a loan to a borrower experiencing financial difficulty is modified and subsequently deemed uncollectible, the allowance for credit losses continues to be based on individual evaluation, if that loan is already on non-accrual status. For those loans, the allowance for credit losses is estimated using discounted expected cash flows or the fair value of collateral. If an accruing loan made to a borrower experiencing financial difficulty is modified and subsequently deemed uncollectible, the loan's risk rating is downgraded to non-accrual status and the loan's related allowance for credit losses is determined based on individual evaluation, or if necessary, the loan is charged off and collection efforts begin.

The following tables summarize the financial impact of loan modifications and payment deferrals during the three and nine months ended September 30, 2025 and September 30, 2024.

Term Extension
Three Months Ended September 30, 2025Three Months Ended September 30, 2024
Commercial:
Business
Extended maturity by a weighted average of 5 months.
Extended maturity by a weighted average of 5 months.
Real estate – construction and land—
Extended maturity by a weighted average of 2 months.
Real estate – business
Extended maturity by a weighted average of 6 months.
Extended maturity by a weighted average of 11 months.
Personal Banking:
Real estate – personal
Extended maturity by a weighted average of 9 months.
Extended maturity by a weighted average of 2 months.
Nine Months Ended September 30, 2025Nine Months Ended September 30, 2024
Commercial:
Business
Extended maturity by a weighted average of 10 months.
Extended maturity by a weighted average of 5 months.
Real estate – construction and land—
Extended maturity by a weighted average of 2 months.
Real estate – business
Extended maturity by a weighted average of 15 months.
Extended maturity by a weighted average of 11 months.
Personal Banking:
Real estate – personal
Extended maturity by a weighted average of 9 months.
Extended maturity by a weighted average of 5 months.
Payment Delay
Three Months Ended September 30, 2025Three Months Ended September 30, 2024
Personal Banking:
Real estate – personal
Deferred certain payments by a weighted average of 25 years.
Deferred certain payments by a weighted average of 15 years.
Consumer—
Deferred certain payments by a weighted average of 19 years.
Nine Months Ended September 30, 2025Nine Months Ended September 30, 2024
Personal Banking:
Real estate – personal
Deferred certain payments by a weighted average of 24 years.
Deferred certain payments by a weighted average of 10 years.
Consumer
Deferred certain payments by a weighted average of 8 years.
Deferred certain payments by a weighted average of 19 years.


Interest Rate Reduction
Three Months Ended September 30, 2025Three Months Ended September 30, 2024
Personal Banking:
ConsumerReduced contractual interest rate from average 22% to 6%.Reduced contractual interest rate from average 21% to 6%.
Consumer credit cardReduced contractual interest rate from average 22% to 6%.Reduced contractual interest rate from average 21% to 6%.
Nine Months Ended September 30, 2025Nine Months Ended September 30, 2024
Personal Banking:
ConsumerReduced contractual interest rate from average 22% to 6%.Reduced contractual interest rate from average 21% to 6%.
Consumer credit cardReduced contractual interest rate from average 22% to 6%.Reduced contractual interest rate from average 21% to 6%.


The Company had commitments of $13.0 million and $14.9 million at September 30, 2025 and December 31, 2024, respectively, to lend additional funds to borrowers experiencing financial difficulty and for whom the Company has modified the terms of loans in the form of an interest rate reduction; an other-than-insignificant payment delay; forgiveness of principal, interest, or fees; or a term extension during the current reporting period.

The following tables provide the amortized cost basis at September 30, 2025 of loans to borrowers experiencing financial difficulty that had a payment default during the three and nine months ended September 30, 2025 and were modified within the 12 months preceding the payment default, as well as the amortized cost basis at September 30, 2024 of loans to borrowers experiencing financial difficulty that had a payment default during the three and nine months ended September 30, 2024 and had been modified within the 12 months preceding the payment default. For purposes of this disclosure, the Company considers "default" to mean 90 days or more past due as to interest or principal.
For the Three Months Ended September 30, 2025For the Nine Months Ended September 30, 2025


(Dollars in thousands)		Term ExtensionPayment DelayInterest Rate ReductionInterest/Fees ForgivenTotalTerm ExtensionPayment DelayInterest Rate ReductionInterest/Fees ForgivenTotal
September 30, 2025
Commercial:
Business$45 $— $— $— $45 $45 $— $— $— $45 
Real estate – business14,632 — — — 14,632 14,632 — — — 14,632 
Personal Banking:
Real estate – personal — 761 — — 761 — 2,276 — — 2,276 
Consumer— — 1 — 1 — — 25 — 25 
Consumer credit card— — 257 — 257 — — 451 — 451 
Total $14,677 $761 $258 $— $15,696 $14,677 $2,276 $476 $— $17,429 
For the Three Months Ended September 30, 2024For the Nine Months Ended September 30, 2024


(Dollars in thousands)
Term ExtensionPayment DelayInterest Rate ReductionInterest/Fees ForgivenTotalTerm ExtensionPayment DelayInterest Rate ReductionInterest/Fees ForgivenTotal
September 30, 2024
Commercial:
Business$14,872 $— $— $— $14,872 $14,872 $— $— $— $14,872 
Personal Banking:
Real estate – personal $— $2,600 $— $— $2,600 $— $3,728 $— $— $3,728 
Consumer— — 13 — 13 — — 24 — 24 
Consumer credit card— — 251 — 251 — — 536 20 556 
Total $14,872 $2,600 $264 $— $17,736 $14,872 $3,728 $560 $20 $19,180 


The following tables present the amortized cost basis at September 30, 2025 of loans to borrowers experiencing financial difficulty that had been modified within the previous 12 months as well as the amortized cost basis at September 30, 2024 of loans to borrowers experiencing financial difficulty that had been modified within the 12 months preceding September 30, 2024.



(In thousands)
Current
30-89 Days Past Due
90 Days Past DueTotal
September 30, 2025
Commercial:
Business$88,589 $— $45 $88,634 
Real estate – business88,961 — 14,632 103,593 
Personal Banking:
Real estate – personal 8,701 917 761 10,379 
Consumer99 35 1 135 
Consumer credit card2,319 405 257 2,981 
Total $188,669 $1,357 $15,696 $205,722 


(In thousands)
Current
30-89 Days Past Due
90 Days Past DueTotal
September 30, 2024
Commercial:
Business$56,517 $86 $— $56,603 
Real estate – construction and land1,915 — — 1,915 
Real estate – business102,846 — 14,872 117,718 
Personal Banking:
Real estate – personal 3,220 1,151 2,601 6,972 
Consumer844 18 12 874 
Consumer credit card2,380 510 237 3,127 
Total $167,722 $1,765 $17,722 $187,209 


Loans held for sale
The Company designates certain long-term fixed rate personal real estate loans as held for sale, and the Company has elected the fair value option for these loans. The election of the fair value option aligns the accounting for these loans with the related economic hedges discussed in Note 11. The loans are primarily sold to Federal Home Loan Mortgage Corporation (FHLMC) and Federal National Mortgage Association (FNMA). At September 30, 2025, the fair value of these loans was $2.2 million, and the unpaid principal balance was $2.1 million.

At September 30, 2025, none of the loans held for sale were on non-accrual status or 90 days past due and still accruing interest.
Foreclosed real estate/repossessed assets
The Company’s holdings of foreclosed real estate totaled $790 thousand and $343 thousand at September 30, 2025 and December 31, 2024, respectively, and included in those amounts were $790 thousand and $343 thousand at September 30, 2025 and December 31, 2024, respectively, of foreclosed residential real estate properties held as a result of obtaining physical possession. Personal property acquired in repossession, generally autos, totaled $2.6 million and $2.2 million at September 30, 2025 and December 31, 2024. Upon acquisition, these assets are recorded at fair value less estimated selling costs at the date of foreclosure, establishing a new cost basis. They are subsequently carried at the lower of this cost basis or fair value less estimated selling costs.
v3.25.3
Investment Securities
 9 Months Ended
Sep. 30, 2025
Investment Securities [Abstract]  
Investment Securities Investment Securities
Investment securities consisted of the following at September 30, 2025 and December 31, 2024.

(In thousands)September 30, 2025December 31, 2024
Available for sale debt securities$8,998,586 $9,136,853 
Trading debt securities56,282 38,034 
Equity securities:
Readily determinable fair value43,365 48,359 
No readily determinable fair value9,828 9,083 
Other:
Federal Reserve Bank stock35,822 35,545 
Federal Home Loan Bank stock10,103 10,120 
Private equity investments181,505 184,386 
Total investment securities (1)
$9,335,491 $9,462,380 
(1)Accrued interest receivable totaled $36.1 million and $35.0 million at September 30, 2025 and December 31, 2024, respectively, and was included within other assets on the consolidated balance sheets.

Most of the Company’s investment securities are classified as available for sale debt securities, and this portfolio is discussed in more detail below. The Company’s equity securities are also discussed below. Other investment securities include Federal Reserve Bank (FRB) stock, Federal Home Loan Bank (FHLB) stock, and investments in portfolio concerns held by the Company’s private equity subsidiary. FRB stock and FHLB stock are held for liquidity management and regulatory purposes. Investment in FRB stock is based on the capital structure of the investing bank, and investment in FHLB stock is tied to the
asset size of the borrowing bank and the level of borrowings from the FHLB. These holdings are carried at cost. The Company’s private equity investments are carried at estimated fair value.

Equity Securities
The Company’s equity securities portfolio includes mutual funds, common stock, and preferred stock with readily determinable fair values as well as equity securities with no readily determinable fair value. The Company has elected to measure equity securities with no readily determinable fair value at cost minus impairment, if any, plus or minus changes resulting from observable price changes for the identical or similar investment of the same issuer. At March 31, 2024, this portfolio included the Company’s 823,447 shares of Visa Inc. (“Visa”) Class B-1 common stock (formerly Class B common stock), which were held by Commerce Bancshares, Inc. The Company’s Visa Class B-1 shares had a carrying value of zero at March 31, 2024, as there had not been observable price changes in orderly transactions for identical or similar investments of the same issuer.

On April 8, 2024, Visa announced the commencement of a public offering to permit the exchange of its Class B-1 common stock for a combination of shares of its Class B-2 common stock and its Class C common stock (“Exchange Offer”). The Company tendered all of its Visa Class B-1 shares pursuant to the Exchange Offer. On May 3, 2024, the Exchange Offer closed, and in exchange for its 823,447 shares of Visa Class B-1 common stock, the Company received 411,723 shares of Visa Class B-2 common stock (which will be convertible under certain circumstances, as further described below, into Visa’s publicly traded Class A common stock at an initial rate of 1.5875 shares of Class A common for each share of Class B-2 common stock, subject to adjustment) and 163,404 shares of Visa Class C common stock which automatically convert into four shares of Visa's Class A common stock (subject to future adjustments for any stock splits, recapitalizations or similar transactions) upon any transfer to a person other than a Visa member or an affiliate of a Visa member.

As a condition of participating in the exchange, the Company entered into a Makewhole Agreement with Visa that provides for cash payments to Visa to the extent (if any) that future adjustments to the conversion ratio for the Visa Class B-2 common stock to Class A common stock cause such ratio to fall below zero. Changes to the conversion ratio occur when Visa deposits funds to a litigation escrow established by Visa to pay settlements for certain covered litigation that pre-dated Visa’s initial public offering, for which Visa has been effectively indemnified by Visa USA members through reductions to the conversion ratio for its Class B-1 common stock. The purpose of the Makewhole Agreement is to preserve the economic benefit of these adjustments to the Class B-1 conversion ratio for the benefit of Visa’s Class A and Class C common stockholders following the exchange. As further described in Visa’s related Issuer Tender Offer Statement on Schedule TO and Prospectus, each dated April 8, 2024, publicly filed with the U. S. Securities and Exchange Commission, both the Makewhole Agreement and the related escrow fund and transfer restrictions on Visa’s Class B-1 common stock and the new Class B-2 common stock will terminate whenever the covered litigation is ultimately resolved, at which future date outstanding shares of Visa Class B-2 common stock will be convertible into shares of its Class A common stock at the then-applicable conversion ratio.

As a result of the exchange, the Company elected the measurement alternative approach for its Visa Class C common stock and marked the stock to fair value, recording a gain based on the conversion privilege of the Visa Class C common stock and the closing price of Visa Class A common stock. During the second quarter of 2024, the Company sold 436 thousand shares of Visa Class A common stock at an average price of $274.91, resulting in proceeds of $119.8 million. During the third quarter of 2024, the Company sold 218 thousand Visa Class A shares at an average price of $260.56, resulting of proceeds of $56.8 million. The Company sold all of the Visa Class C shares during the second and third quarters of 2024. The Company’s Visa Class B-2 common stock will continue to be carried at cost of $0 as the Company elected the measurement alternative approach for these shares as well, and there are not observable price changes in orderly transactions for identical or similar investments of the same issuer for the Visa Class B-2 shares held by the Company.

Changes in equity investments with no readily determinable fair value for each period of 2024 were as follows:
Three Months Ended September 30Nine Months Ended September 30
(In thousands)20242024
Balance at beginning of period$65,780 $6,978 
Observable upward price adjustments— 178,227 
Observable downward price adjustments(416)(416)
Impairment charges— — 
Sales of securities and other activity(56,511)(175,936)
Balance at end of period$8,853 $8,853 
Net gains and losses for the Company's equity securities portfolio for the nine months ended September 30, 2024 were as follows:
Nine Months Ended September 30
(In thousands)2024
Net gains (losses) recognized during the period on equity securities$178,098 
Less: Net (gains) losses recognized during the period on equity securities sold during the period(176,755)
Net unrealized gains (losses) recognized during the reporting period on equity securities still held at the reporting date$1,343 

Available for sale debt securities portfolio
The majority of the Company’s investment portfolio is comprised of available for sale debt securities, which are carried at fair value with changes in fair value reported in accumulated other comprehensive income (AOCI). A summary of the available for sale debt securities by maturity groupings as of September 30, 2025 is shown below. The investment portfolio includes agency mortgage-backed securities, which are guaranteed by agencies such as FHLMC, FNMA, and Government National Mortgage Association (GNMA), in addition to non-agency mortgage-backed securities, which have no guarantee but are collateralized by commercial and residential mortgages. Also included are certain other asset-backed securities, which are primarily collateralized by credit cards, automobiles, student loans, and commercial loans. These securities differ from traditional debt securities primarily in that they may have uncertain maturity dates and are priced based on estimated prepayment rates on the underlying collateral.
(In thousands)Amortized
Cost		Fair
Value
U.S. government and federal agency obligations:
Within 1 year$414,722 $415,573 
After 1 but within 5 years1,382,147 1,394,173 
After 5 but within 10 years1,000,182 1,007,653 
After 10 years106,535 107,839 
Total U.S. government and federal agency obligations2,903,586 2,925,238 
Government-sponsored enterprise obligations:
After 5 but within 10 years35,139 30,492 
After 10 years19,820 14,254 
Total government-sponsored enterprise obligations54,959 44,746 
State and municipal obligations:
Within 1 year65,048 64,649 
After 1 but within 5 years415,803 397,106 
After 5 but within 10 years158,341 141,696 
After 10 years109,378 92,247 
Total state and municipal obligations748,570 695,698 
Mortgage and asset-backed securities:
  Agency mortgage-backed securities3,883,052 3,291,338 
  Non-agency mortgage-backed securities487,070 452,424 
  Asset-backed securities1,409,706 1,395,349 
Total mortgage and asset-backed securities5,779,828 5,139,111 
Other debt securities:
Within 1 year14,432 14,291 
After 1 but within 5 years74,130 69,564 
After 5 but within 10 years86,832 85,388 
After 10 years24,747 24,550 
Total other debt securities200,141 193,793 
Total available for sale debt securities$9,687,084 $8,998,586 
Investments in U.S. government and federal agency obligations include U.S. Treasury inflation-protected securities, which totaled $419.3 million, at fair value, at September 30, 2025. Interest earned on these securities increases with inflation and decreases with deflation, as measured by the non-seasonally adjusted Consumer Price Index (CPI-U). At maturity, the principal paid is the greater of an inflation-adjusted principal or the original principal.

Allowance for credit losses on available for sale debt securities
Securities for which fair value is less than amortized cost are reviewed for impairment. Special emphasis is placed on securities whose credit rating has fallen below Baa3 (Moody's) or BBB- (Standard & Poor's), whose fair values have fallen more than 20% below purchase price, or those which have been identified based on management’s judgment. These securities are placed on a watch list and cash flow analyses are prepared on an individual security basis. Certain securities are analyzed using a projected cash flow model, discounted to present value, and compared to the current amortized cost bases of the securities. The model uses input factors such as cash flow projections, contractual payments required, expected delinquency rates, credit support from other tranches, prepayment speeds, collateral loss severity rates (including loan to values), and various other information related to the underlying collateral. Securities not analyzed using the cash flow model are analyzed by reviewing credit ratings, credit support agreements, and industry knowledge to project future cash flows and any possible credit impairment.

At September 30, 2025, the fair value of securities on this watch list was $969.4 million compared to $1.6 billion at December 31, 2024. Almost all of the securities included on the Company's watch list in the current quarter were experiencing unrealized loss positions due to the increase in interest rates since their purchase and were analyzed outside of the cash flow model. At September 30, 2025, the securities on the Company's watch list that were not deemed to be solely related to increasing interest rates were securities backed by government-guaranteed student loans and are expected to perform as contractually required. As of September 30, 2025, the Company did not identify any securities for which a credit loss exists, and for the nine months ended September 30, 2025 and 2024, the Company did not recognize a credit loss expense on any available for sale debt securities.
The table below summarizes debt securities available for sale in an unrealized loss position, aggregated by length of loss period, for which an allowance for credit losses has not been recorded at September 30, 2025 and December 31, 2024. Unrealized losses on these available for sale securities have not been recognized into income because after review, the securities were deemed not to be impaired. The unrealized losses on these securities are primarily attributable to changes in interest rates and current market conditions. At September 30, 2025, the Company does not intend to sell the securities, nor is it anticipated that it would be required to sell any of these securities at a loss.

Less than 12 months12 months or longerTotal
 
(In thousands)
   Fair ValueUnrealized
Losses		Fair ValueUnrealized
Losses		Fair ValueUnrealized
Losses
September 30, 2025
U.S. government and federal agency obligations$308,226 $1,294 $572,602 $8,336 $880,828 $9,630 
Government-sponsored enterprise obligations — — 44,746 10,213 44,746 10,213 
State and municipal obligations10,231 173 654,343 52,750 664,574 52,923 
Mortgage and asset-backed securities:
   Agency mortgage-backed securities1,556 5 3,235,669 592,554 3,237,225 592,559 
   Non-agency mortgage-backed securities— — 436,921 35,079 436,921 35,079 
   Asset-backed securities34,845 86 646,644 23,322 681,489 23,408 
Total mortgage and asset-backed securities36,401 91 4,319,234 650,955 4,355,635 651,046 
Other debt securities— — 117,248 7,568 117,248 7,568 
Total $354,858 $1,558 $5,708,173 $729,822 $6,063,031 $731,380 
December 31, 2024
U.S. government and federal agency obligations$1,492,875 $24,662 $353,129 $17,197 $1,846,004 $41,859 
Government-sponsored enterprise obligations— — 42,848 12,576 42,848 12,576 
State and municipal obligations14,860 230 724,587 79,685 739,447 79,915 
Mortgage and asset-backed securities:
   Agency mortgage-backed securities3,882 42 3,409,405 750,664 3,413,287 750,706 
   Non-agency mortgage-backed securities10 — 564,637 56,986 564,647 56,986 
   Asset-backed securities219,414 2,371 1,083,938 36,824 1,303,352 39,195 
Total mortgage and asset-backed securities223,306 2,413 5,057,980 844,474 5,281,286 846,887 
Other debt securities26,390 579 198,936 12,718 225,326 13,297 
Total $1,757,431 $27,884 $6,377,480 $966,650 $8,134,911 $994,534 

The entire available for sale debt portfolio included $6.1 billion of securities that were in a loss position at September 30, 2025, compared to $8.1 billion at December 31, 2024.  The total amount of unrealized loss on these securities was $731.4 million at September 30, 2025, a decrease of $263.2 million compared to the unrealized loss at December 31, 2024.  Securities with significant unrealized losses are discussed in the "Allowance for credit losses on available for sale debt securities" section above.
For debt securities classified as available for sale, the following table shows the amortized cost, fair value, and allowance for credit losses of securities available for sale at September 30, 2025 and December 31, 2024, and the corresponding amounts of gross unrealized gains and losses (pre-tax) in AOCI, by security type.

 
 
(In thousands)
Amortized CostGross
Unrealized
Gains		Gross
Unrealized
Losses		Allowance for Credit Losses
Fair Value
September 30, 2025
U.S. government and federal agency obligations$2,903,586 $31,282 $(9,630)$— $2,925,238 
Government-sponsored enterprise obligations54,959 — (10,213)— 44,746 
State and municipal obligations748,570 51 (52,923)— 695,698 
Mortgage and asset-backed securities:
  Agency mortgage-backed securities3,883,052 845 (592,559)— 3,291,338 
  Non-agency mortgage-backed securities487,070 433 (35,079)— 452,424 
  Asset-backed securities1,409,706 9,051 (23,408)— 1,395,349 
Total mortgage and asset-backed securities5,779,828 10,329 (651,046)— 5,139,111 
Other debt securities200,141 1,220 (7,568)— 193,793 
Total$9,687,084 $42,882 $(731,380)$— $8,998,586 
December 31, 2024
U.S. government and federal agency obligations$2,594,130 $2,981 $(41,859)$— $2,555,252 
Government-sponsored enterprise obligations55,425 — (12,576)— 42,849 
State and municipal obligations822,790 16 (79,915)— 742,891 
Mortgage and asset-backed securities:
  Agency mortgage-backed securities4,195,182 415 (750,706)— 3,444,891 
  Non-agency mortgage-backed securities625,539 136 (56,986)— 568,689 
  Asset-backed securities1,595,797 413 (39,195)— 1,557,015 
Total mortgage and asset-backed securities6,416,518 964 (846,887)— 5,570,595 
Other debt securities238,563 — (13,297)— 225,266 
Total$10,127,426 $3,961 $(994,534)$— $9,136,853 

The following table presents proceeds from sales of securities and the components of investment securities gains and losses which have been recognized in earnings.

For the Nine Months Ended September 30
(In thousands)20252024
Proceeds from sales of securities:
Available for sale debt securities
$36,065 $1,057,589 
Equity securities
— 176,780 
Other investments
10,563 38,558 
Total proceeds
$46,628 $1,272,927 
Investment securities gains (losses), net:
Available for sale debt securities:
Gains realized on sales$4 $— 
Losses realized on sales(4,218)(192,938)
Equity securities:
 Gains (losses) on equity securities, net1,666 178,098 
Other:
 Gains realized on sales
1,172 3,082 
 Losses realized on sales
(1,735)(1,601)
Fair value adjustments, net 3,842 20,205 
Total investment securities gains (losses), net$731 $6,846 
Net gains on investment securities for the nine months ended September 30, 2025 were mainly comprised of net gains in fair value of $3.8 million on private equity investments and net gains of $1.7 million on equity investments. These gains were largely offset by net losses of $4.2 million on sales of available for sale securities.

During 2024, the Company executed a plan to to reposition a portion of its available for sale debt securities portfolio through the sale of securities with an amortized cost of $1.2 billion. The securities that the Company sold had a yield of approximately 2.1%, which resulted in a loss of $179.1 million, and the Company reinvested $928.8 million of the proceeds into U.S. Treasury securities yielding approximately 4.6%.

Pledged securities
At September 30, 2025, securities totaling $6.7 billion in fair value were pledged to secure public fund deposits, securities sold under agreements to repurchase, trust funds, and borrowings at the FRB and FHLB, compared to $6.9 billion at December 31, 2024. Excluding obligations of various government-sponsored enterprises such as FNMA, FHLB and FHLMC, no investment in a single issuer exceeded 10% of stockholders’ equity.
v3.25.3
Goodwill And Other Intangible Assets
 9 Months Ended
Sep. 30, 2025
Goodwill and Intangible Assets Disclosure [Abstract]  
Goodwill And Other Intangible Assets Goodwill and Other Intangible Assets
The following table presents information about the Company's intangible assets which have estimable useful lives.

September 30, 2025December 31, 2024
 
 
(In thousands)
Gross Carrying AmountAccumulated AmortizationValuation AllowanceNet AmountGross Carrying AmountAccumulated AmortizationValuation AllowanceNet Amount
Amortizable intangible assets:
Core deposit premium$5,550 $(5,400)$— $150 $5,550 $(5,286)$— $264 
Mortgage servicing rights13,704 (4,125)— 9,579 13,673 (3,905)— 9,768 
Total $19,254 $(9,525)$— $9,729 $19,223 $(9,191)$— $10,032 

Aggregate amortization expense on intangible assets was $310 thousand and $318 thousand for the three month periods ended September 30, 2025 and 2024, respectively and was $954 thousand and $969 thousand for the nine months ended September 30, 2025 and 2024, respectively. The following table shows the estimated annual amortization expense for the next five fiscal years. This expense is based on existing asset balances and the interest rate environment as of September 30, 2025. The Company’s actual amortization expense in any given period may be different from the estimated amounts depending upon the acquisition of intangible assets, changes in mortgage interest rates, prepayment rates and other market conditions.

 (In thousands)
2025$1,271 
20261,192 
20271,024 
2028885 
2029791 

Changes in the carrying amount of goodwill and other intangible assets for the nine month period ended September 30, 2025 are as follows:

(In thousands)GoodwillEasementCore Deposit PremiumMortgage Servicing Rights
Balance January 1, 2025
$146,539 $3,600 $264 $9,768 
Originations, net of disposals— — — 651 
Amortization— — (114)(840)
Balance September 30, 2025$146,539 $3,600 $150 $9,579 

Goodwill allocated to the Company’s operating segments at September 30, 2025 and December 31, 2024 is shown below.

(In thousands)September 30, 2025December 31, 2024
Consumer segment$70,721 $70,721 
Commercial segment75,072 75,072 
Wealth segment746 746 
Total goodwill$146,539 $146,539 
v3.25.3
Guarantees
 9 Months Ended
Sep. 30, 2025
Guarantees [Abstract]  
Guarantees Guarantees
The Company, as a provider of financial services, routinely issues financial guarantees in the form of financial and performance standby letters of credit. Standby letters of credit are contingent commitments issued by the Company generally to guarantee the payment or performance obligation of a customer to a third party. While these represent a potential outlay by the Company, a significant amount of the commitments may expire without being drawn upon. The Company has recourse against the customer for any amount it is required to pay to a third party under a standby letter of credit. The letters of credit are subject to the same credit policies, underwriting standards and approval process as loans made by the Company. Most of the standby letters of credit are secured, and in the event of nonperformance by customers, the Company has rights to the underlying collateral, which could include commercial real estate, physical plant and property, inventory, receivables, cash and marketable securities.

Upon issuance of standby letters of credit, the Company recognizes a liability for the fair value of the obligation undertaken, which is estimated to be equivalent to the amount of fees received from the customer over the life of the agreement. At September 30, 2025, that net liability was $4.2 million, which will be accreted into income over the remaining life of the respective commitments. The contractual amount of these letters of credit, which represents the maximum potential future payments guaranteed by the Company, was $643.6 million at September 30, 2025.
The Company periodically enters into credit risk participation agreements (RPAs) as a guarantor to other financial institutions, in order to mitigate those institutions’ credit risk associated with interest rate swaps with third parties. The RPA stipulates that, in the event of default by the third party on the interest rate swap, the Company will reimburse a portion of the loss borne by the financial institution. These interest rate swaps are normally collateralized (generally with real property, inventories and equipment) by the third party, which limits the credit risk associated with the Company’s RPAs. The third parties usually have other borrowing relationships with the Company. The Company monitors overall borrower collateral and at September 30, 2025, believes sufficient collateral is available to cover potential swap losses. The RPAs are carried at fair value throughout their term with all changes in fair value, including those due to a change in the third party’s creditworthiness, recorded in current earnings. The terms of the RPAs, which correspond to the terms of the underlying swaps, range from 2 to 15 years. At September 30, 2025, the fair value of the Company's guarantee liabilities for RPAs was $94 thousand, and the notional amount of the underlying swaps was $274.1 million. The maximum potential future payment guaranteed by the Company cannot be readily estimated but is dependent upon the fair value of the interest rate swaps at the time of default.
v3.25.3
Leases
 9 Months Ended
Sep. 30, 2025
Leases [Abstract]  
Leases Leases
The Company has net investments in direct financing and sales-type leases to commercial, industrial, and tax-exempt entities. These leases are included within business loans on the Company's consolidated balance sheets. The Company primarily leases various types of equipment, trucks and trailers, and office furniture and fixtures. Lease agreements may include options for the lessee to renew or purchase the leased equipment at the end of the lease term. The Company has elected to adopt the lease component expedient in which the lease and nonlease components are combined into the total lease receivable. The Company also leases office space to third parties, and these leases are classified as operating leases. The leases may include options to renew or expand the leased space, and currently the leases have remaining terms of 1 month to 13 years.

The following table provides the components of lease income.

For the Three Months Ended September 30For the Nine Months Ended September 30
(in thousands)2025202420252024
Direct financing and sales-type leases$10,114 $9,409 $29,809 $27,464 
Operating leases(a)
4,842 4,249 13,327 12,641 
Total lease income$14,956 $13,658 $43,136 $40,105 
(a) Includes rent from Tower Properties Company, a related party, of $0 and $20 thousand for the three month periods ended September 30, 2025 and 2024, respectively, and $0 and $58 thousand for the nine month periods ended September 30, 2025 and 2024, respectively. Tower Properties Company was no longer a lessee of the Company as of January 1, 2025.
v3.25.3
Pension
 9 Months Ended
Sep. 30, 2025
Pension [Abstract]  
Pension Pension
The amount of net pension cost is shown in the table below:

For the Three Months Ended September 30For the Nine Months Ended September 30
(In thousands)2025202420252024
Service cost$139 $97 $410 $290 
Interest cost on projected benefit obligation1,094 1,062 3,241 3,287 
Expected return on plan assets(994)(1,066)(2,954)(3,104)
Amortization of prior service cost— (45)— (136)
Amortization of unrecognized net loss (gain)44 177 502 739 
Net periodic pension cost $283 $225 $1,199 $1,076 
All benefits accrued under the Company’s defined benefit pension plan have been frozen since January 1, 2011. During the first nine months of 2025, the Company made no funding contributions to its defined benefit pension plan and made minimal funding contributions to a supplemental executive retirement plan (the CERP), which carries no segregated assets.
v3.25.3
Common Stock
 9 Months Ended
Sep. 30, 2025
Common Stock [Abstract]  
Common Stock Common Stock *
Presented below is a summary of the components used to calculate basic and diluted income per share. The Company applies the two-class method of computing income per share, as nonvested share-based awards that pay nonforfeitable common stock dividends are considered securities which participate in undistributed earnings with common stock. The two-class method requires the calculation of separate income per share amounts for the nonvested share-based awards and for common stock. Income per share attributable to common stock is shown in the table below. Nonvested share-based awards are further discussed in Note 13.

For the Three Months Ended September 30For the Nine Months Ended September 30
(In thousands, except per share data)2025202420252024
Basic income per common share:
Net income attributable to Commerce Bancshares, Inc.$141,518 $138,007 $425,589 $390,223 
Less income allocated to nonvested restricted stock1,338 1,289 4,058 3,646 
  Net income allocated to common stock$140,180 $136,718 $421,531 $386,577 
Weighted average common shares outstanding132,338 134,217 132,568 134,862 
    Basic income per common share$1.06 $1.02 $3.18 $2.87 
Diluted income per common share:
Net income attributable to Commerce Bancshares, Inc.$141,518 $138,007 $425,589 $390,223 
Less income allocated to nonvested restricted stock1,337 1,288 4,055 3,643 
  Net income allocated to common stock$140,181 $136,719 $421,534 $386,580 
Weighted average common shares outstanding132,338 134,217 132,568 134,862 
Net effect of the assumed exercise of stock-based awards - based on the treasury stock method using the average market price for the respective periods125 178 136 163 
Weighted average diluted common shares outstanding132,463 134,395 132,704 135,025 
    Diluted income per common share$1.06 $1.01 $3.18 $2.86 

Unexercised stock appreciation rights of 237 thousand and 378 thousand for the three month periods ended September 30, 2025 and 2024, respectively, and 230 thousand and 410 thousand for the six month periods ended September 30, 2025 and 2024, respectively, were excluded from the computation of diluted income per common share because their inclusion would have been anti-dilutive.

* All prior year share and per share amounts in this note have been restated for the 5% common stock dividend distributed in December 2024.
v3.25.3
Accumulated Other Comprehensive Income
 9 Months Ended
Sep. 30, 2025
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]  
Accumulated Other Comprehensive Income (Loss) Accumulated Other Comprehensive Income
The table below shows the activity and accumulated balances for components of other comprehensive income. Information about unrealized gains and losses on securities can be found in Note 3, and information about unrealized gains and losses on cash flow hedge derivatives is located in Note 11.

Unrealized Gains (Losses) on Securities (1)Pension Loss Unrealized Gains (Losses) on Cash Flow Hedge Derivatives (2)Total Accumulated Other Comprehensive Income (Loss)
(In thousands)
Balance January 1, 2025
$(742,926)$(12,059)$(3,926)$(758,911)
Other comprehensive income (loss) before reclassifications to current earnings297,859 — 4,833 302,692 
Amounts reclassified to current earnings from accumulated other comprehensive income 4,214 502 (7,082)(2,366)
 Current period other comprehensive income (loss), before tax302,073 502 (2,249)300,326 
Income tax (expense) benefit(75,518)(125)562 (75,081)
 Current period other comprehensive income (loss), net of tax226,555 377 (1,687)225,245 
Balance September 30, 2025
$(516,371)$(11,682)$(5,613)$(533,666)
Balance January 1, 2024
$(915,001)$(13,596)$37,185 $(891,412)
Other comprehensive income (loss) before reclassifications to current earnings240,695 — (6,199)234,496 
Amounts reclassified to current earnings from accumulated other comprehensive income192,938 603 (8,693)184,848 
 Current period other comprehensive income (loss), before tax433,633 603 (14,892)419,344 
Income tax (expense) benefit(108,408)(150)3,722 (104,836)
 Current period other comprehensive income (loss), net of tax325,225 453 (11,170)314,508 
Balance September 30, 2024
$(589,776)$(13,143)$26,015 $(576,904)
(1) The pre-tax amounts reclassified from accumulated other comprehensive income to current earnings are included in "investment securities gains (losses), net" in the consolidated statements of income.
(2) The pre-tax amounts reclassified from accumulated other comprehensive income to current earnings are included in "interest and fees on loans" in the consolidated statements of income.
v3.25.3
Segments
 9 Months Ended
Sep. 30, 2025
Segment Reporting [Abstract]  
Segments Segments
The Company segregates financial information for use in assessing its performance and allocating resources among three operating segments: Consumer, Commercial and Wealth. The Consumer segment consists of various consumer loan and deposit products offered through its retail branch network of approximately 140 locations.  This segment also includes residential mortgage, indirect and other consumer loan financing businesses, along with debit and credit card loan and fee businesses.  The Commercial segment provides corporate lending (including the Small Business Banking product line within the branch network), leasing, and international services, along with business and governmental deposit products and commercial cash management services.  This segment also includes both merchant and commercial bank card products as well as the Commercial Tradable Products division, which sells fixed income securities, underwrites municipal bonds, and provides securities safekeeping and accounting services to its business and correspondent bank customers.  The Wealth segment provides traditional trust and estate planning, advisory and discretionary investment management, and brokerage services.  This segment also provides various loan and deposit related services to its private banking customers.
The Company’s chief executive officer is its chief operating decision maker ("CODM"). The CODM is the primary individual in control of resource allocation, and the allocation determinations are made in consultation with the Company’s executive management committee, of which the CODM is a member. The Company’s CODM primarily utilizes net income before taxes to evaluate each segment’s performance and allocate resources (including employees, financial, or capital resources), primarily through the Company’s annual budgeting process and periodic segment performance reviews. To manage operations and make decisions regarding resource allocations, the CODM is regularly provided and reviews total non-interest expense at a consolidated level and total non-interest expense for each segment.
The following table presents selected financial information by segment and reconciliations of combined segment totals to consolidated totals. There were no material intersegment revenues between the three segments. Management periodically makes changes to methods of assigning costs and income to its business segments to better reflect operating results. If appropriate, these changes are reflected in prior year information presented below.


(In thousands)
ConsumerCommercialWealthOther/EliminationConsolidated Totals
Three Months Ended September 30, 2025
Net interest income$126,606 $132,575 $22,534 $(2,258)$279,457 
Provision for credit losses(9,422)(908)1 (9,732)(20,061)
Non-interest income25,364 66,408 68,100 1,639 161,511 
Investment securities gains (losses), net— — — 7,885 7,885 
Non-interest expense(84,886)(107,201)(42,254)(9,677)(244,018)
Income before income taxes$57,662 $90,874 $48,381 $(12,143)$184,774 
Nine Months Ended September 30, 2025
Net interest income$378,958 $393,453 $67,729 $(11,434)$828,706 
Provision for credit losses(29,241)(1,548)(17)(9,339)(40,145)
Non-interest income73,055 211,388 195,985 5,645 486,073 
Investment securities gains (losses), net— — — 731 731 
Non-interest expense(250,968)(319,258)(124,356)(32,249)(726,831)
Income before income taxes$171,804 $284,035 $139,341 $(46,646)$548,534 
Three Months Ended September 30, 2024
Net interest income$128,904 $128,253 $20,966 $(15,772)$262,351 
Provision for loan losses(9,526)(186)146 426 (9,140)
Non-interest income25,517 65,287 61,841 6,380 159,025 
Investment securities gains (losses), net— — — 3,872 3,872 
Non-interest expense(85,121)(102,614)(40,059)(9,806)(237,600)
Income before income taxes$59,774 $90,740 $42,894 $(14,900)$178,508 
Nine Months Ended September 30, 2024
Net interest income$384,278 $380,476 $66,390 $(57,545)$773,599 
Provision for credit losses(27,451)(952)150 8,858 (19,395)
Non-interest income74,424 195,669 179,840 10,184 460,117 
Investment securities gains (losses), net— — — 6,846 6,846 
Non-interest expense(245,834)(303,959)(118,512)(47,206)(715,511)
Income before income taxes$185,417 $271,234 $127,868 $(78,863)$505,656 

Non-interest expense for the Consumer, Commercial, and Wealth segments above is primarily comprised of salaries, incentives, benefits, and allocated overhead costs for service and support. Non-interest expense for the segments also includes expense for data processing and software, occupancy, and professional and other services.

The information presented above was derived from the internal profitability reporting system used by management to monitor and manage the financial performance of the Company. This information is based on internal management accounting procedures and methods, which have been developed to reflect the underlying economics of the businesses. The methodologies are applied in connection with funds transfer pricing and assignment of overhead costs among segments. Funds transfer pricing was used in the determination of net interest income by assigning a standard cost (credit) for funds used (provided by) assets and liabilities based on their maturity, prepayment and/or repricing characteristics.

The segment activity, as shown above, includes both direct and allocated items. Amounts in the “Other/Elimination” column include activity not related to the segments, such as that relating to administrative functions, the investment securities portfolio, and the effect of certain expense allocations to the segments. The provision for credit losses in this category contains the difference between net loan charge-offs assigned directly to the segments and the recorded provision for credit loss expense. Included in this category’s net interest income are earnings of the investment portfolio, which are not allocated to a segment. Additionally, interest expense on the Company's brokered certificates of deposit is included in this column, as the Company's brokered certificates of deposit are not allocated to a segment.
The performance measurement of the operating segments is based on the management structure of the Company and is not necessarily comparable with similar information for any other financial institution. The information is also not necessarily indicative of the segments' financial condition and results of operations if they were independent entities.
v3.25.3
Derivative Instruments
 9 Months Ended
Sep. 30, 2025
Derivative Instrument Detail [Abstract]  
Derivative Instruments Derivative Instruments
The notional amounts of the Company’s derivative instruments are shown in the table below. These contractual amounts, along with other terms of the derivative, are used to determine amounts to be exchanged between counterparties and are not a measure of loss exposure. The Company's derivatives are not accounted for as accounting hedges except for the interest rate floors, as discussed below.


(In thousands)
September 30, 2025December 31, 2024
Interest rate swaps$2,012,179 $2,065,400 
Interest rate floors2,000,000 2,000,000 
Interest rate caps94,219 37,488 
Credit risk participation agreements467,339 503,196 
Foreign exchange contracts19,562 16,978 
 Mortgage loan commitments
6,930 3,060 
Mortgage loan forward sale contracts362 1,759 
Forward TBA contracts7,000 3,500 
Total notional amount$4,607,591 $4,631,381 

Interest rate swap contracts are sold to commercial customers who wish to modify their interest rate sensitivity. The customers are engaged in a variety of businesses, including real estate, manufacturing, retail product distribution, education, and retirement communities. These interest rate swap contracts with customers are offset by matching interest rate swap contracts purchased by the Company from other financial institutions (dealers). Contracts with dealers that require central clearing are novated to a clearing agency who becomes the Company's counterparty. Because of the matching terms of the offsetting contracts, in addition to collateral provisions which mitigate the impact of non-performance risk, changes in fair value subsequent to initial recognition have a minimal effect on earnings.

Many of the Company’s interest rate swap contracts with large financial institutions contain contingent features relating to debt ratings or capitalization levels. Under these provisions, if the Company’s debt rating falls below investment grade or if the Company ceases to be “well-capitalized” under risk-based capital guidelines, certain counterparties can require immediate and ongoing collateralization on interest rate swaps in net liability positions or instant settlement of the contracts. The Company maintains debt ratings and capital well above these minimum requirements.

As of September 30, 2025, the Company held four interest rate floors indexed to 1-month SOFR to hedge the risk of declining interest rates on certain floating rate commercial loans. The floors have a combined notional value of $2.0 billion. Each of the four interest rate floors has a six-year term and a notional amount of $500.0 million. In the event that the index rate falls below zero, the maximum rate that the Company can earn on the notional amount of each floor is limited to the strike rate. Information about the floors is provided in the table below.

Strike RateEffective DateMaturity Date
3.50 %July 1, 2024July 1, 2030
3.25 %November 1, 2024November 1, 2030
3.00 %March 1, 2025March 1, 2031
2.75 %July 1, 2025July 1, 2031

The premium paid for the floors totaled $90.2 million. At September 30, 2025, the maximum length of time over which the Company is hedging its exposure to lower rates is approximately 5.8 years. These interest rate floors qualified and were designated as cash flow hedges and were assessed for effectiveness using regression analysis. The change in the fair value of these interest rate floors is recorded in AOCI, net of the amortization of the premiums paid, which are recorded against interest and fees on loans in the consolidated statements of income. As of September 30, 2025, net deferred losses on the interest rate floors totaled $21.3 million (pre-tax) and were recorded in AOCI in the consolidated balance sheet. As of September 30, 2025,
it is expected that $11.6 million (pre-tax) interest rate floor premium amortization will be reclassified from AOCI into earnings over the next 12 months for the outstanding interest rate floors.

During the year ended December 31, 2020, the Company monetized three interest rate floors that were previously classified as cash flow hedges with a combined notional balance of $1.5 billion and an asset fair value of $163.2 million. As of September 30, 2025, the total realized gains on the monetized cash flow hedges remaining in AOCI was $13.8 million (pre-tax), which will be reclassified into interest income over the next 1.2 years. The estimated amount of net gains related to the cash flow hedges remaining in AOCI at September 30, 2025 that is expected to be reclassified into income within the next 12 months is $12.5 million.

The Company also contracts with other financial institutions, as a guarantor or beneficiary, to share credit risk associated with certain interest rate swaps through risk participation agreements. The Company’s risks and responsibilities as guarantor are further discussed in Note 5 on Guarantees. In addition, the Company enters into foreign exchange contracts, which are mainly comprised of contracts with customers to purchase or deliver specific foreign currencies at specific future dates.

Under its program to sell residential mortgage loans in the secondary market, the Company designates certain newly-originated residential mortgage loans as held for sale. Derivative instruments arising from this activity include mortgage loan commitments and forward loan sale contracts. Changes in the fair values of the loan commitments and funded loans prior to sale that are due to changes in interest rates are economically hedged with forward contracts to sell residential mortgage-backed securities in the to-be-announced (TBA) market. These forward TBA contracts are also considered to be derivatives and are settled in cash at the security settlement date.

The fair values of the Company's derivative instruments, whose notional amounts are listed above, are shown in the table below. Information about the valuation methods used to determine fair value is provided in Note 15 on Fair Value Measurements.

The Company's policy is to present its derivative assets and derivative liabilities on a gross basis on its consolidated balance sheets, and these are reported in other assets and other liabilities. In prior years, certain collateral posted to and from the Company's clearing counterparty has been applied to the fair values of the cleared swap. There was no reduction to positive or negative fair values of cleared swaps at September 30, 2025 and December 31, 2024.

 Asset DerivativesLiability Derivatives
Sept. 30, 2025Dec. 31, 2024Sept. 30, 2025Dec. 31, 2024
(In thousands)    
  Fair Value  Fair Value
Derivatives designated as hedging instruments:
   Interest rate floors$40,376 $35,544 $— $— 
Total derivatives designated as hedging instruments$40,376 $35,544 $— $— 
Derivative instruments not designated as hedging instruments:
   Interest rate swaps$20,703 $26,759 $(20,703)$(26,759)
   Interest rate caps3 44 (3)(44)
   Credit risk participation agreements76 35 (94)(58)
   Foreign exchange contracts459 179 (435)(101)
   Mortgage loan commitments118 58 (11)— 
   Mortgage loan forward sale contracts2 14 — — 
   Forward TBA contracts23 15 (2)(1)
Total derivatives not designated as hedging instruments$21,384 $27,104 $(21,248)$(26,963)
Total$61,760 $62,648 $(21,248)$(26,963)
The Company made an election to exclude the initial premiums paid on the interest rate floors from the hedge effectiveness measurement. Those initial premiums are amortized over the periods between the premium payment month and the contract maturity month. The pre-tax effects of the gains and losses (both the included and excluded amounts for hedge effectiveness assessment) recognized in the other comprehensive income from the cash flow hedging instruments and the amounts reclassified from accumulated other comprehensive income into income (both included and excluded amounts for hedge effectiveness measurement) are shown in the table below.



Amount of Gain or (Loss) Recognized in OCI
Location of Gain (Loss) Reclassified from AOCI into IncomeAmount of Gain (Loss) Reclassified from AOCI into Income
(In thousands)TotalIncluded ComponentExcluded ComponentTotalIncluded ComponentExcluded Component
For the Three Months Ended September 30, 2025
Derivatives in cash flow hedging relationships:
Interest rate floors$(10,548)$(346)$(10,202)Interest and fees on loans$2,177 $6,433 $(4,256)
Total$(10,548)$(346)$(10,202)Total$2,177 $6,433 $(4,256)
For the Nine Months Ended September 30, 2025
Derivatives in cash flow hedging relationships:
Interest rate floors$4,833 $5,688 $(855)Interest and fees on loans$7,082 $19,712 $(12,630)
Total$4,833 $5,688 $(855)Total$7,082 $19,712 $(12,630)
For the Three Months Ended September 30, 2024
Derivatives in cash flow hedging relationships:
Interest rate floors$23,168 $13,673 $9,495 Interest and fees on loans$2,816 $7,072 $(4,256)
Total$23,168 $13,673 $9,495 Total$2,816 $7,072 $(4,256)
For the Nine Months Ended September 30, 2024
Derivatives in cash flow hedging relationships:
Interest rate floors$(6,199)$3,565 $(9,764)Interest and fees on loans$8,693 $21,369 $(12,676)
Total$(6,199)$3,565 $(9,764)Total$8,693 $21,369 $(12,676)

The gain and loss recognized through various derivative instruments on the consolidated statements of income are shown in the table below.



Location of Gain or (Loss) Recognized in Consolidated Statements of Income Amount of Gain or (Loss) Recognized in Income on Derivatives

For the Three Months Ended September 30For the Nine Months Ended September 30
(In thousands)2025202420252024
Derivative instruments:
  Interest rate swapsOther non-interest income$393 $239 $1,140 $1,562 
  Credit risk participation agreementsOther non-interest income(39)— 139 (214)
  Foreign exchange contractsOther non-interest income162 (42)(54)(21)
  Mortgage loan commitmentsLoan fees and sales(146)52 49 105 
  Mortgage loan forward sale contractsLoan fees and sales— 1 (11)1 
  Forward TBA contractsLoan fees and sales(69)(141)(169)(127)
Total$301 $109 $1,094 $1,306 

The following table shows the extent to which assets and liabilities relating to derivative instruments have been offset in the consolidated balance sheets. It also provides information about these instruments which are subject to an enforceable master netting arrangement, irrespective of whether they are offset, and the extent to which the instruments could potentially be offset. Also shown is collateral received or pledged in the form of other financial instruments, which is generally cash or marketable securities. The collateral amounts in this table are limited to the outstanding balances of the related asset or liability (after netting is applied); thus, amounts of excess collateral are not shown. Most of the derivatives in the following table were transacted under master netting arrangements that contain a conditional right of offset, such as close-out netting, upon default.
While the Company is party to master netting arrangements with most of its swap derivative counterparties, the Company does not offset derivative assets and liabilities under these agreements on its consolidated balance sheets. Collateral exchanged between the Company and dealer bank counterparties is generally subject to thresholds and transfer minimums, and usually consists of marketable securities. By contract, these may be sold or re-pledged by the secured party until recalled at a subsequent valuation date by the pledging party. For those swap transactions requiring central clearing, the Company posts cash or securities to its clearing agent. Collateral positions are valued daily, and adjustments to amounts received and pledged by the Company are made as appropriate to maintain proper collateralization for these transactions. Swap derivative transactions with customers are generally secured by rights to non-financial collateral, such as real and personal property, which is not shown in the table below.

Gross Amounts Not Offset in the Balance Sheet
(In thousands)Gross Amount RecognizedGross Amounts Offset in the Balance SheetNet Amounts Presented in the Balance SheetFinancial Instruments Available for OffsetCollateral
Received/
Pledged		Net Amount
September 30, 2025
Assets:
Derivatives subject to master netting agreements
$61,555 $— $61,555 $(11,563)$(38,078)$11,914 
Derivatives not subject to master netting agreements
205 — 205 
Total derivatives$61,760 $— $61,760 
Liabilities:
Derivatives subject to master netting agreements
$20,814 $— $20,814 $(11,563)$— $9,251 
Derivatives not subject to master netting agreements
434 — 434 
Total derivatives$21,248 $— $21,248 
December 31, 2024
Assets:
Derivatives subject to master netting agreements
$62,437 $— $62,437 $(3,780)$(54,620)$4,037 
Derivatives not subject to master netting agreements
211 — 211 
Total derivatives$62,648 $— $62,648 
Liabilities:
Derivatives subject to master netting agreements
$26,848 $— $26,848 $(3,780)$— $23,068 
Derivatives not subject to master netting agreements
115 — 115 
Total derivatives$26,963 $— $26,963 
v3.25.3
Resale and Repurchase Agreements
 9 Months Ended
Sep. 30, 2025
Resale and Repurchase Agreements [Abstract]  
Resale and Repurchase Agreements [Text Block] Resale and Repurchase Agreements
The Company regularly enters into resale and repurchase agreement transactions with other financial institutions and with its own customers. Resale and repurchase agreements are agreements to purchase/sell securities subject to an obligation to resell/repurchase the same or similar securities. They are accounted for as secured lending and collateralized borrowing (e.g. financing transactions), not as true sales and purchases of the underlying collateral securities. Some of the resale and repurchase agreements were transacted under master netting arrangements that contain a conditional right of offset, such as close-out netting, upon default. The security collateral accepted or pledged in resale and repurchase agreements with other financial institutions may be sold or re-pledged by the secured party, but is usually delivered to and held by third party trustees. The Company generally retains custody of securities pledged for repurchase agreements with its customers.
The following table shows the extent to which resale agreement assets and repurchase agreement liabilities with the same counterparty have been offset on the consolidated balance sheets, in addition to the extent to which they could potentially be offset. Also shown is collateral received or pledged, which consists of marketable securities. The collateral amounts in the table are limited to the outstanding balances of the related asset or liability (after offsetting is applied); thus amounts of excess collateral are not shown.

Gross Amounts Not Offset in the Balance Sheet
(In thousands)Gross Amount RecognizedGross Amounts Offset in the Balance SheetNet Amounts Presented in the Balance SheetFinancial Instruments Available for OffsetSecurities Collateral Received/PledgedUnsecured Amount
September 30, 2025
Total resale agreements, subject to master netting arrangements
$850,000 $— $850,000 $— $(850,000)$— 
Total repurchase agreements, subject to master netting arrangements
2,335,405 — 2,335,405 — (2,335,405)— 
December 31, 2024
Total resale agreements, subject to master netting arrangements
$625,000 $— $625,000 $— $(625,000)$— 
Total repurchase agreements, subject to master netting arrangements
2,803,043 — 2,803,043 — (2,803,043)— 
The table below shows the remaining contractual maturities of repurchase agreements outstanding at September 30, 2025 and December 31, 2024, in addition to the various types of marketable securities that have been pledged by the Company as collateral for these borrowings.

Remaining Contractual Maturity of the Agreements
(In thousands)Overnight and continuousUp to 90 daysGreater than 90 daysTotal
September 30, 2025
Repurchase agreements, secured by:
  U.S. government and federal agency obligations$276,573 $— $— $276,573 
  Government-sponsored enterprise obligations10,823 — — 10,823 
  Agency mortgage-backed securities1,402,280 4,600 26,750 1,433,630 
  Non-agency mortgage-backed securities22,203 — — 22,203 
  Asset-backed securities412,891 18,706 31,604 463,201 
  Other debt securities128,975 — — 128,975 
   Total repurchase agreements, gross amount recognized$2,253,745 $23,306 $58,354 $2,335,405 
December 31, 2024
Repurchase agreements, secured by:
  U.S. government and federal agency obligations$518,937 $— $— $518,937 
  Government-sponsored enterprise obligations9,969 — — 9,969 
  Agency mortgage-backed securities1,641,156 9,600 22,250 1,673,006 
  Non-agency mortgage-backed securities24,273 — — 24,273 
  Asset-backed securities462,841 30,623 18,227 511,691 
  Other debt securities65,167 — — 65,167 
   Total repurchase agreements, gross amount recognized$2,722,343 $40,223 $40,477 $2,803,043 
v3.25.3
Stock-Based Compensation
 9 Months Ended
Sep. 30, 2025
Share-Based Payment Arrangement, Noncash Expense [Abstract]  
Stock-Based Compensation Stock-Based Compensation
The Company issues stock-based compensation in the form of nonvested restricted stock and stock appreciation rights (SARs). Historically, most of the awards have been issued during the first quarter of each year. The stock-based compensation expense charged against income was $4.4 million and $4.3 million in the three months ended September 30, 2025 and 2024 respectively, and $12.9 million and $12.7 million in the nine months ended September 30, 2025 and 2024, respectively.

Nonvested stock awards granted generally vest in 4 to 7 years and contain restrictions as to transferability, sale, pledging, or assigning, among others, prior to the end of the vesting period. Dividend and voting rights are conferred upon grant. A summary of the status of the Company’s nonvested share awards as of September 30, 2025, and changes during the nine month period then ended, is presented below.

 
 
 

Shares Weighted Average Grant Date Fair Value
Nonvested at January 1, 20251,252,653 $55.41
Granted295,082 65.18
Vested(251,027)55.02
Forfeited(38,590)57.29
Nonvested at September 30, 20251,258,118 $57.73

SARs are granted with exercise prices equal to the market price of the Company’s stock at the date of grant. SARs vest ratably over 4 years of continuous service and have contractual terms of 10 years. All SARs must be settled in stock under provisions of the plan. In determining compensation cost, the Black-Scholes option-pricing model is used to estimate the fair value of SARs on date of grant. The current year per share average fair value and the model assumptions are shown in the table below.

Weighted per share average fair value at grant date$19.72 
Assumptions:
Dividend yield
1.7%
Volatility
29.6%
Risk-free interest rate
4.1%
Expected term
6.0 years

A summary of SAR activity during the first nine months of 2025 is presented below.

 
 
 
 
(Dollars in thousands, except per share data)
Rights
Weighted Average Exercise Price
Weighted Average Remaining Contractual Term
Aggregate Intrinsic Value
Outstanding at January 1, 2025841,962 $48.90 
Granted38,770 64.93 
Forfeited(2,533)55.07 
Expired(1,631)54.87 
Exercised(63,088)39.50 
Outstanding at September 30, 2025
813,480 $50.36 5.0 years$8,057 
v3.25.3
Revenue from Contract with Customer
 9 Months Ended
Sep. 30, 2025
Revenue from Contract with Customer [Abstract]  
Revenue from Contract with Customer [Text Block] Revenue from Contracts with Customers
Revenue from contracts with customers, Accounting Standard Codification 606 ("ASC 606"), requires revenue recognition for the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. For the nine months ended September 30, 2025, approximately 63% of the Company’s total revenue was comprised of net interest income, which is not within the scope of this guidance. Of the remaining revenue, those items that were subject to this guidance mainly included fees for bank card, trust, deposit account services and consumer brokerage services.

The following table disaggregates revenue from contracts with customers by major product line.

Three Months Ended September 30Nine Months Ended September 30
(In thousands)2025202420252024
Trust fees$58,412 $54,689 $170,575 $158,085 
Bank card transaction fees45,551 47,570 137,506 141,977 
Deposit account charges and other fees27,427 25,380 80,297 74,856 
Consumer brokerage services6,698 4,619 16,866 13,505 
Other non-interest income10,659 14,496 43,867 37,337 
Total non-interest income from contracts with customers148,747 146,754 449,111 425,760 
Other non-interest income (1)
12,764 12,271 36,962 34,357 
Total non-interest income$161,511 $159,025 $486,073 $460,117 
(1) This revenue is not within the scope of ASC 606, and includes fees relating to bond trading activities, loan fees and sales, derivative instruments, standby letters of credit and various other transactions.

For bank card transaction fees, nearly all debit and credit card fees were earned in the Consumer segment, while corporate card and merchant fees were earned in the Commercial segment. The Consumer and Commercial segments contributed approximately 28% and 71%, respectively, of the Company's deposit account charge revenue. All trust fees and nearly all consumer brokerage services income were earned in the Wealth segment.    

The following table presents the opening and closing receivable balances for the nine month periods ended September 30, 2025 and 2024 for the Company’s significant revenue from contracts with customers.

(In thousands)September 30, 2025December 31, 2024September 30, 2024December 31, 2023
Bank card transaction fees$14,100 $17,754 $15,701 $18,069 
Trust fees2,174 2,165 2,198 1,764 
Deposit account charges and other fees7,693 7,897 6,813 6,588 
Consumer brokerage services— — — 8 

For these revenue categories, none of the transaction price has been allocated to performance obligations that are unsatisfied as of the end of a reporting period.
v3.25.3
Fair Value Measurements
 9 Months Ended
Sep. 30, 2025
Fair Value Measurements [Abstract]  
Fair Value Measurements Fair Value Measurements
The Company uses fair value measurements to record fair value adjustments to certain financial and nonfinancial assets and liabilities and to determine fair value disclosures. Various financial instruments such as available for sale debt securities, equity securities, trading debt securities, certain investments relating to private equity activities, and derivatives are recorded at fair value on a recurring basis. Additionally, from time to time, the Company may be required to record at fair value other assets and liabilities on a nonrecurring basis, such as mortgage servicing rights and certain other investment securities. These nonrecurring fair value adjustments typically involve lower of cost or fair value accounting or write-downs of individual assets.

Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Depending on the nature of the asset or liability, the Company uses various valuation techniques and assumptions when estimating fair value. For accounting disclosure purposes, a three-level valuation hierarchy of fair value measurements has been established. The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date. The three levels are defined as follows:
•Level 1 – inputs to the valuation methodology are quoted prices for identical assets or liabilities in active markets.
•Level 2 – inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, quoted prices for identical or similar assets and liabilities in markets that are not active, and inputs that are observable for the assets or liabilities, either directly or indirectly (such as interest rates, yield curves, and prepayment speeds).
•Level 3 – inputs to the valuation methodology are unobservable and significant to the fair value. These may be internally developed, using the Company’s best information and assumptions that a market participant would consider.
The valuation methodologies for assets and liabilities measured at fair value on a recurring and non-recurring basis are described in the Fair Value Measurements note in the Company's 2024 Annual Report on Form 10-K. There have been no significant changes in these methodologies since then.
Instruments Measured at Fair Value on a Recurring Basis
The table below presents the September 30, 2025 and December 31, 2024 carrying values of assets and liabilities measured at fair value on a recurring basis. There were no transfers among levels during the first nine months of 2025 or the year ended December 31, 2024.

Fair Value Measurements Using
(In thousands)Total Fair ValueQuoted Prices in Active Markets for Identical Assets
(Level 1)		Significant Other Observable Inputs
(Level 2)		Significant Unobservable Inputs
(Level 3)
September 30, 2025
Assets:
  Residential mortgage loans held for sale$2,163 $— $2,163 $— 
  Available for sale debt securities:
     U.S. government and federal agency obligations2,925,238 2,925,238 — — 
     Government-sponsored enterprise obligations44,746 — 44,746 — 
     State and municipal obligations695,698 — 694,738 960 
     Agency mortgage-backed securities3,291,338 — 3,291,338 — 
     Non-agency mortgage-backed securities452,424 — 452,424 — 
     Asset-backed securities1,395,349 — 1,395,349 — 
     Other debt securities193,793 — 193,793 — 
  Trading debt securities56,282 13,082 43,200 — 
  Equity securities43,365 43,365 — — 
  Private equity investments181,505 — — 181,505 
  Derivatives *61,760 — 61,566 194 
  Assets held in trust for deferred compensation plan22,789 22,789 — — 
  Total assets9,366,450 3,004,474 6,179,317 182,659 
Liabilities:
  Derivatives *
21,248 — 21,143 105 
Liabilities held in trust for deferred compensation plan
22,789 22,789 — — 
  Total liabilities$44,037 $22,789 $21,143 $105 
December 31, 2024
Assets:
  Residential mortgage loans held for sale$2,981 $— $2,981 $— 
  Available for sale debt securities:
     U.S. government and federal agency obligations2,555,252 2,555,252 — — 
     Government-sponsored enterprise obligations42,849 — 42,849 — 
     State and municipal obligations742,891 — 741,927 964 
     Agency mortgage-backed securities3,444,891 — 3,444,891 — 
     Non-agency mortgage-backed securities568,689 — 568,689 — 
     Asset-backed securities1,557,015 — 1,557,015 — 
     Other debt securities225,266 — 225,266 — 
  Trading debt securities38,034 10,219 27,815 — 
  Equity securities48,359 48,359 — — 
  Private equity investments184,386 — — 184,386 
  Derivatives *62,648 — 62,555 93 
  Assets held in trust for deferred compensation plan21,849 21,849 — — 
  Total assets9,495,110 2,635,679 6,673,988 185,443 
Liabilities:
  Derivatives *
26,963 — 26,905 58 
Liabilities held in trust for deferred compensation plan
21,849 21,849 — — 
  Total liabilities$48,812 $21,849 $26,905 $58 
* The fair value of each class of derivative is shown in Note 11.

The changes in the Company's Level 3 assets and liabilities measured at fair value on a recurring basis are summarized as follows:

Fair Value Measurements Using
Significant Unobservable Inputs
(Level 3)


(In thousands)
State and Municipal Obligations
Private Equity
Investments
Total
For the three months ended September 30, 2025
Balance June 30, 2025
$950 $174,070 $175,020 
Total gains (losses) realized/unrealized:
Included in earnings— 7,953 7,953 
Included in other comprehensive income *10 — 10 
Purchases of private equity investments— 560 560 
Sale/pay down of private equity investments— (1,096)(1,096)
Capitalized interest/dividends— 18 18 
Balance September 30, 2025$960 $181,505 $182,465 
Total gains (losses) for the three months included in earnings attributable to the change in unrealized gains or losses relating to assets still held at September 30, 2025
$— $7,953 $7,953 
*Total gains (losses) for the three months included in other comprehensive income attributable to the change in unrealized gains or losses relating to assets still held at September 30, 2025
$10 $— $10 
For the nine months ended September 30, 2025
Balance January 1, 2025
$964 $184,386 $185,350 
Total gains (losses) realized/unrealized:
Included in earnings— 3,842 3,842 
Included in other comprehensive income *(6)— (6)
Discount accretion2 — 2 
Purchases of private equity investments— 6,986 6,986 
Sale/pay down of private equity investments— (13,761)(13,761)
Capitalized interest/dividends— 52 52 
Balance September 30, 2025$960 $181,505 $182,465 
Total gains (losses) for the nine months included in earnings attributable to the change in unrealized gains or losses relating to assets still held at September 30, 2025
$— $4,641 $4,641 
*Total gains (losses) for the nine months included in other comprehensive income attributable to the change in unrealized gains or losses relating to assets still held at September 30, 2025
$(6)$— $(6)
Fair Value Measurements Using
Significant Unobservable Inputs
(Level 3)


(In thousands)
State and Municipal Obligations
Private Equity
Investments
Total
For the three months ended September 30, 2024
Balance June 30, 2024
$953 $178,321 $179,274 
Total gains (losses) realized/unrealized:
Included in earnings— 7,428 7,428 
Included in other comprehensive income *(2)— (2)
Purchases of private equity investments— 375 375 
Sale/pay down of private equity investments— (15,139)(15,139)
Capitalized interest/dividends— (12)(12)
Balance at September 30, 2024$951 $170,973 $171,924 
Total gains (losses) for the three months included in earnings attributable to the change in unrealized gains or losses relating to assets still held at September 30, 2024
$— $7,428 $7,428 
*Total gains (losses) for the three months included in other comprehensive income attributable to the change in unrealized gains or losses relating to assets still held at September 30, 2024
$(2)$— $(2)
For the nine months ended September 30, 2024
Balance January 1, 2024
$947 $176,667 $177,614 
Total gains (losses) realized/unrealized:
Included in earnings— 20,205 20,205 
Included in other comprehensive income *3 — 3 
Discount accretion1 — 1 
Purchases of private equity investments— 11,322 11,322 
Sale/pay down of private equity investments— (37,103)(37,103)
Capitalized interest/dividends— (118)(118)
Balance at September 30, 2024$951 $170,973 $171,924 
Total gains (losses) for the nine months included in earnings attributable to the change in unrealized gains or losses relating to assets still held at September 30, 2024
$— $10,480 $10,480 
*Total gains (losses) for the nine months included in other comprehensive income attributable to the change in unrealized gains or losses relating to assets still held at September 30, 2024
$3 $— $3 
* Included in "net unrealized gains (losses) on available for sale debt securities" in the consolidated statements of comprehensive income.

Gains and losses included in earnings for the Company's Level 3 assets and liabilities in the previous table are reported in the following line items in the consolidated statements of income:

(In thousands)Investment Securities Gains (Losses), Net
For the three months ended September 30, 2025
Total gains or losses included in earnings$7,953 
Change in unrealized gains or losses relating to assets still held at September 30, 2025
$7,953 
For the nine months ended September 30, 2025
Total gains or losses included in earnings $3,842 
Change in unrealized gains or losses relating to assets still held at September 30, 2025
$4,641 
For the three months ended September 30, 2024
Total gains or losses included in earnings $7,428 
Change in unrealized gains or losses relating to assets still held at September 30, 2024
$7,428 
For the nine months ended September 30, 2024
Total gains or losses included in earnings$20,205 
Change in unrealized gains or losses relating to assets still held at September 30, 2024
$10,480 
Level 3 Inputs
The Company's Level 3 measurements at September 30, 2025, which employ unobservable inputs that are readily quantifiable, pertain to investments in portfolio concerns held by the Company's private equity subsidiaries. Information about these inputs is presented in the table below.

Quantitative Information about Level 3 Fair Value MeasurementsWeighted
Valuation TechniqueUnobservable InputRangeAverage*
Private equity investmentsMarket comparable companiesEBITDA multiple3.8-6.05.0
* Unobservable inputs were weighted by the relative fair value of the instruments.

Instruments Measured at Fair Value on a Nonrecurring Basis
For assets measured at fair value on a nonrecurring basis during the first nine months of 2025 and 2024, and still held as of September 30, 2025 and 2024, the following table provides the adjustments to fair value recognized during the respective periods, the level of valuation inputs used to determine each adjustment, and the carrying value of the related individual assets or portfolios at September 30, 2025 and 2024.

Fair Value Measurements Using
(In thousands)

Fair Value
Quoted Prices in Active Markets for Identical Assets
(Level 1)
Significant Other Observable Inputs
(Level 2)
Significant Unobservable Inputs
(Level 3)
Total Gains (Losses) Recognized During the Nine Months Ended September 30
September 30, 2025
Collateral dependent loans$249 $— $— $249 $(435)
 Long-lived assets301 — — 301 (99)
September 30, 2024
Collateral dependent loans$14,872 $— $— $14,872 $(2,646)
v3.25.3
Fair Value Of Financial Instruments
 9 Months Ended
Sep. 30, 2025
Fair Value Of Financial Instruments [Abstract]  
Fair Value of Financial Instruments Fair Value of Financial Instruments
The carrying amounts and estimated fair values of financial instruments held by the Company are set forth below. Fair value estimates are made at a specific point in time based on relevant market information. They do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for many of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, risk characteristics and economic conditions. These estimates are subjective, involve uncertainties, and cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

The estimated fair values of the Company’s financial instruments and the classification of their fair value measurement within the valuation hierarchy are as follows at September 30, 2025 and December 31, 2024:

Carrying Amount
Estimated Fair Value at September 30, 2025

(In thousands)

Level 1Level 2Level 3Total
Financial Assets
Loans:
Business$6,414,792 $— $— $6,342,647 $6,342,647 
Real estate - construction and land
1,433,652 — — 1,410,678 1,410,678 
Real estate - business
3,745,000 — — 3,693,145 3,693,145 
Real estate - personal
3,070,980 — — 2,810,106 2,810,106 
Consumer
2,171,599 — — 2,160,896 2,160,896 
Revolving home equity364,241 — — 361,245 361,245 
Consumer credit card575,317 — — 520,076 520,076 
Overdrafts
11,186 — — 11,070 11,070 
Total loans17,786,767 — — 17,309,863 17,309,863 
Loans held for sale2,538 — 2,538 — 2,538 
Investment securities9,325,663 2,981,685 6,115,588 228,390 9,325,663 
Securities purchased under agreements to resell850,000 — — 872,979 872,979 
Interest earning deposits with banks2,477,668 2,477,668 — — 2,477,668 
Cash and due from banks476,441 476,441 — — 476,441 
Derivative instruments61,760 — 61,566 194 61,760 
Assets held in trust for deferred compensation plan22,789 22,789 — — 22,789 
       Total$31,003,626 $5,958,583 $6,179,692 $18,411,426 $30,549,701 
Financial Liabilities
Non-interest bearing deposits$7,489,645 $7,489,645 $— $— $7,489,645 
Savings, interest checking and money market deposits15,551,799 15,551,799 — — 15,551,799 
Certificates of deposit2,416,605 — — 2,444,873 2,444,873 
Federal funds purchased137,660 137,660 — — 137,660 
Securities sold under agreements to repurchase2,335,405 — — 2,338,259 2,338,259 
Other borrowings9,203 7,908 1,295 — 9,203 
Derivative instruments21,248 — 21,143 105 21,248 
Liabilities held in trust for deferred compensation plan22,789 22,789 — — 22,789 
       Total$27,984,354 $23,209,801 $22,438 $4,783,237 $28,015,476 
Carrying Amount
Estimated Fair Value at December 31, 2024

(In thousands)
Level 1Level 2Level 3Total
Financial Assets
Loans:
Business$6,053,820 $— $— $5,943,565 $5,943,565 
Real estate - construction and land
1,409,901 — — 1,384,029 1,384,029 
Real estate - business
3,661,218 — — 3,558,862 3,558,862 
Real estate - personal
3,058,195 — — 2,738,880 2,738,880 
Consumer
2,073,123 — — 2,053,191 2,053,191 
Revolving home equity356,650 — — 353,731 353,731 
Consumer credit card595,930 — — 549,874 549,874 
Overdrafts
11,266 — — 11,120 11,120 
Total loans17,220,103 — — 16,593,252 16,593,252 
Loans held for sale3,242 — 3,242 — 3,242 
Investment securities9,453,297 2,613,830 6,608,452 231,015 9,453,297 
Federal funds sold3,000 3,000 — — 3,000 
Securities purchased under agreements to resell625,000 — — 622,021 622,021 
Interest earning deposits with banks2,624,553 2,624,553 — — 2,624,553 
Cash and due from banks748,357 748,357 — — 748,357 
Derivative instruments62,648 — 62,555 93 62,648 
Assets held in trust for deferred compensation plan21,849 21,849 — — 21,849 
       Total$30,762,049 $6,011,589 $6,674,249 $17,446,381 $30,132,219 
Financial Liabilities
Non-interest bearing deposits$8,150,669 $8,150,669 $— $— $8,150,669 
Savings, interest checking and money market deposits14,754,571 14,754,571 — — 14,754,571 
Certificates of deposit2,388,404 — — 2,409,537 2,409,537 
Federal funds purchased123,715 123,715 — — 123,715 
Securities sold under agreements to repurchase2,803,043 — — 2,806,428 2,806,428 
Derivative instruments26,963 — 26,905 58 26,963 
Liabilities held in trust for deferred compensation plan21,849 21,849 — — 21,849 
       Total$28,269,214 $23,050,804 $26,905 $5,216,023 $28,293,732 
v3.25.3
Legal and Regulatory Proceedings
 9 Months Ended
Sep. 30, 2025
Legal Proceedings [Abstract]  
Legal Matters and Contingencies [Text Block] Legal and Regulatory Proceedings
The Company has various legal proceedings pending at September 30, 2025, arising in the normal course of business. While some matters pending against the Company specify damages claimed by plaintiffs, others do not seek a specified amount of damages or are at early stages of the legal process. The Company records a loss accrual for all legal and regulatory matters for which it deems a loss is probable and can be reasonably estimated. Some matters, which are in the early stages, have not yet progressed to the point where a loss amount can be determined to be probable and estimable.
v3.25.3
Insider Trading Arrangements
 3 Months Ended
Sep. 30, 2025
Trading Arrangements, by Individual  
Rule 10b5-1 Arrangement Adopted false
Non-Rule 10b5-1 Arrangement Adopted false
Rule 10b5-1 Arrangement Terminated false
Non-Rule 10b5-1 Arrangement Terminated false
v3.25.3
Loans And Allowance For Credit Losses (Tables)
 9 Months Ended
Sep. 30, 2025
Receivables [Abstract]  
Summary Classification Of Held For Investment Loan Portfolio
Major classifications within the Company’s held for investment loan portfolio at September 30, 2025 and December 31, 2024 are as follows:

(In thousands)
September 30, 2025December 31, 2024
Commercial:
Business$6,414,792 $6,053,820 
Real estate – construction and land1,433,652 1,409,901 
Real estate – business3,745,000 3,661,218 
Personal Banking:
Real estate – personal3,070,980 3,058,195 
Consumer2,171,599 2,073,123 
Revolving home equity364,241 356,650 
Consumer credit card575,317 595,930 
Overdrafts11,186 11,266 
Total loans$17,786,767 $17,220,103 
CECL Model Inputs
Key assumptions in the Company’s allowance for credit loss model include the economic forecast, the reasonable and supportable period, forecasted macro-economic variables, prepayment assumptions and qualitative factors applied for portfolio composition changes, underwriting practices, or significant unique events or conditions. The assumptions utilized in estimating the Company’s allowance for credit losses at September 30, 2025 and June 30, 2025 are discussed below.

Key AssumptionSeptember 30, 2025December 31, 2024
Overall economic forecast
•The US economy faces significant downside risks, including a softer labor market
•Includes an expected 25 basis point Federal Reserve rate cut in December and an additional three 25 basis point cuts in 2026
•Economy expected to expand by 2% in 2026
•The United States economy will grow
•Expansionary fiscal policy and less immigration cause the labor market to tighten, pushing the unemployment rate lower
Reasonable and supportable period and related reversion period
•Reasonable and supportable period of one year
•Reversion to historical average loss rates within two quarters using a straight-line method
•Reasonable and supportable period of one year
•Reversion to historical average loss rates within two quarters using a straight-line method
Forecasted macro-economic variables
•Unemployment rate of 4.4% during the supportable forecast period
•Real GDP growth ranges from 1.6% to 2.2%
•BBB corporate yield from 5.5% to 5.6%
•Housing Price Index from 324.0 to 327.9
•Unemployment rate ranges from 4.2% to 4.3% during the supportable forecast period
•Real GDP growth ranges from 2.5% to 2.7%
•BBB corporate yield from 5.2% to 5.3%
•Housing Price Index from 324.8 to 335.4
Prepayment assumptions
Commercial loans
•5% for most loan pools
Personal banking loans
•Ranging from 8.2% to 23.8% for most loan pools
•Consumer credit cards 66.8%
Commercial loans
•5% for most loan pools
Personal banking loans
•Ranging from 8.9% to 23.1% for most loan pools
•Consumer credit cards 66.5%
Qualitative factors
Added qualitative factors related to:
•Changes in the composition of the loan portfolios
•Certain industries experiencing stress or emerging concerns within the portfolio
•Loans downgraded to special mention, substandard, or non-accrual status
•Consumer credit card, auto, other vehicle and other consumer portfolios loss expectation adjustment
•Certain portfolios where the model assumptions do not capture all identified loss risk
Added qualitative factors related to:
•Changes in the composition of the loan portfolios
•Certain industries experiencing stress or emerging concerns within the portfolio
•Loans downgraded to special mention, substandard, or non-accrual status
•Consumer auto portfolio
•Certain portfolios where the model assumptions do not capture all identified loss risk
Summary Of Activity In The Allowance For Credit Losses
A summary of the activity in the allowance for credit losses on loans and the liability for unfunded lending commitments for the three and nine months ended September 30, 2025 and 2024, respectively, follows:

For the Three Months Ended September 30, 2025
For the Nine Months Ended September 30, 2025
(In thousands)CommercialPersonal Banking

Total
CommercialPersonal Banking

Total
ALLOWANCE FOR CREDIT LOSSES ON LOANS
Balance at beginning of period$106,854 $58,406 $165,260 $106,769 $55,973 $162,742 
Provision for credit losses on loans6,873 13,866 20,739 7,412 36,341 43,753 
Deductions:
   Loans charged off889 11,739 12,628 2,110 35,836 37,946 
   Less recoveries on loans86 2,214 2,300 853 6,269 7,122 
Net loan charge-offs (recoveries)803 9,525 10,328 1,257 29,567 30,824 
Balance September 30, 2025$112,924 $62,747 $175,671 $112,924 $62,747 $175,671 
LIABILITY FOR UNFUNDED LENDING COMMITMENTS
Balance at beginning of period$14,771 $1,234 $16,005 $17,887 $1,048 $18,935 
Provision for credit losses on unfunded lending commitments(756)78 (678)(3,872)264 (3,608)
Balance September 30, 2025$14,015 $1,312 $15,327 $14,015 $1,312 $15,327 
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LIABILITY FOR UNFUNDED LENDING COMMITMENTS$126,939 $64,059 $190,998 $126,939 $64,059 $190,998 

For the Three Months Ended September 30, 2024
For the Nine Months Ended September 30, 2024
(In thousands)CommercialPersonal Banking

Total
CommercialPersonal Banking

Total
ALLOWANCE FOR CREDIT LOSSES ON LOANS
Balance at beginning of period$107,217 $51,340 $158,557 $108,201 $54,194 $162,395 
Provision for credit losses on loans(63)11,924 11,861 (551)27,208 26,657 
Deductions:
   Loans charged off362 11,395 11,757 1,528 33,262 34,790 
   Less recoveries on loans255 1,923 2,178 925 5,652 6,577 
Net loan charge-offs (recoveries)107 9,472 9,579 603 27,610 28,213 
Balance September 30, 2024$107,047 $53,792 $160,839 $107,047 $53,792 $160,839 
LIABILITY FOR UNFUNDED LENDING COMMITMENTS
Balance at beginning of period$19,363 $1,342 $20,705 $23,909 $1,337 $25,246 
Provision for credit losses on unfunded lending commitments(2,715)(6)(2,721)(7,261)(1)(7,262)
Balance September 30, 2024$16,648 $1,336 $17,984 $16,648 $1,336 $17,984 
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LIABILITY FOR UNFUNDED LENDING COMMITMENTS$123,695 $55,128 $178,823 $123,695 $55,128 $178,823 
Aging Information On Past Due And Nonaccrual Loans The following table provides aging information on the Company’s past due and accruing loans, in addition to the balances of loans on non-accrual status, at September 30, 2025 and December 31, 2024.



(In thousands)
Current or Less Than 30 Days Past Due

30 – 89
Days Past Due
90 Days Past Due and Still AccruingNon-accrual



Total
September 30, 2025
Commercial:
Business$6,407,415 $6,323 $799 $255 $6,414,792 
Real estate – construction and land1,433,078 383 — 191 1,433,652 
Real estate – business3,727,793 2,267 — 14,940 3,745,000 
Personal Banking:
Real estate – personal 3,054,874 5,573 9,666 867 3,070,980 
Consumer2,140,052 28,754 2,793 — 2,171,599 
Revolving home equity362,863 760 618 — 364,241 
Consumer credit card560,209 7,448 7,660 — 575,317 
Overdrafts10,952 234 — — 11,186 
Total $17,697,236 $51,742 $21,536 $16,253 $17,786,767 
December 31, 2024
Commercial:
Business$6,051,654 $1,501 $564 $101 $6,053,820 
Real estate – construction and land1,409,681 — — 220 1,409,901 
Real estate – business3,640,643 5,621 — 14,954 3,661,218 
Personal Banking:
Real estate – personal 3,021,017 25,267 10,885 1,026 3,058,195 
Consumer2,029,115 40,398 3,610 — 2,073,123 
Revolving home equity351,056 2,798 819 1,977 356,650 
Consumer credit card579,670 7,622 8,638 — 595,930 
Overdrafts10,953 313 — — 11,266 
Total $17,093,789 $83,520 $24,516 $18,278 $17,220,103 
Risk Category of Loans in Commercial Portfolio
The risk category of loans in the Commercial portfolio as of September 30, 2025 and December 31, 2024 are as follows:

Term Loans Amortized Cost Basis by Origination Year
(In thousands)20252024202320222021PriorRevolving Loans Amortized Cost BasisTotal
September 30, 2025
Business
    Risk Rating:
       Pass$1,319,194 $974,365 $624,134 $441,379 $275,042 $380,683 $2,176,145 $6,190,942 
       Special mention6,442 4,184 5,587 3,955 1,301 1,738 85,100 108,307 
       Substandard318 1,775 4,341 17,268 8,053 967 82,566 115,288 
       Non-accrual— 93 161 — — 1 — 255 
   Total Business:$1,325,954 $980,417 $634,223 $462,602 $284,396 $383,389 $2,343,811 $6,414,792 
Gross write-offs for the nine months ended September 30, 2025
$— $344 $116 $165 $— $10 $1,051 $1,686 
Real estate-construction
    Risk Rating:
       Pass$318,318 $328,321 $398,141 $297,506 $4,069 $3,090 $23,294 $1,372,739 
       Special mention14,181 — — 25,854 — — — 40,035 
       Substandard— — 2,439 — 18,248 — — 20,687 
       Non-accrual— 191 — — — — — 191 
    Total Real estate-construction:$332,499 $328,512 $400,580 $323,360 $22,317 $3,090 $23,294 $1,433,652 
Gross write-offs for the nine months ended September 30, 2025
$— $24 $— $— $— $— $— $24 
Real estate-business
    Risk Rating:
       Pass$965,802 $558,063 $394,876 $592,924 $384,769 $486,977 $119,098 $3,502,509 
       Special mention23,926 46,146 2,821 12,860 980 2,423 13 89,169 
       Substandard— 999 25,295 27,177 13,560 64,397 6,954 138,382 
       Non-accrual— — 144 124 164 14,508 — 14,940 
   Total Real estate-business:$989,728 $605,208 $423,136 $633,085 $399,473 $568,305 $126,065 $3,745,000 
Gross write-offs for the nine months ended September 30, 2025
$— $— $400 $— $— $— $— $400 
Commercial loans
    Risk Rating:
       Pass$2,603,314 $1,860,749 $1,417,151 $1,331,809 $663,880 $870,750 $2,318,537 $11,066,190 
       Special mention44,549 50,330 8,408 42,669 2,281 4,161 85,113 237,511 
       Substandard318 2,774 32,075 44,445 39,861 65,364 89,520 274,357 
       Non-accrual— 284 305 124 164 14,509 — 15,386 
   Total Commercial loans:$2,648,181 $1,914,137 $1,457,939 $1,419,047 $706,186 $954,784 $2,493,170 $11,593,444 
Gross write-offs for the nine months ended September 30, 2025
$— $368 $516 $165 $— $10 $1,051 $2,110 
Term Loans Amortized Cost Basis by Origination Year
(In thousands)20242023202220212020PriorRevolving Loans Amortized Cost BasisTotal
December 31, 2024
Business
    Risk Rating:
       Pass$1,505,299 $956,449 $596,681 $405,669 $148,483 $350,106 $1,887,596 $5,850,283 
       Special mention13,576 7,978 8,941 4,155 263 2,065 34,997 71,975 
       Substandard2,218 5,596 19,145 5,069 928 10,086 88,419 131,461 
       Non-accrual1 47 1 — — 52 — 101 
   Total Business:$1,521,094 $970,070 $624,768 $414,893 $149,674 $362,309 $2,011,012 $6,053,820 
Gross write-offs for the year ended December 31, 2024$200 $275 $40 $53 $— $18 $1,387 $1,973 
Real estate-construction
    Risk Rating:
       Pass$419,562 $442,720 $451,606 $53,462 $3,143 $2,450 $34,075 $1,407,018 
       Special mention— — — — — — — — 
       Substandard— 2,663 — — — — — 2,663 
       Non-accrual220 — — — — — — 220 
    Total Real estate-construction:$419,782 $445,383 $451,606 $53,462 $3,143 $2,450 $34,075 $1,409,901 
Gross write-offs for the year ended December 31, 2024$— $— $— $— $— $— $— $— 
Real estate- business
    Risk Rating:
       Pass$755,498 $604,936 $753,023 $448,041 $363,717 $368,350 $129,868 $3,423,433 
       Special mention324 — 12,383 12,524 1,643 298 — 27,172 
       Substandard1,280 23,420 36,657 18,429 4,416 104,382 7,075 195,659 
       Non-accrual— — 170 — 14,668 116 — 14,954 
   Total Real-estate business:$757,102 $628,356 $802,233 $478,994 $384,444 $473,146 $136,943 $3,661,218 
Gross write-offs for the year ended December 31, 2024$— $— $— $— $— $62 $— $62 
Commercial loans
    Risk Rating:
       Pass$2,680,359 $2,004,105 $1,801,310 $907,172 $515,343 $720,906 $2,051,539 $10,680,734 
       Special mention13,900 7,978 21,324 16,679 1,906 2,363 34,997 99,147 
       Substandard3,498 31,679 55,802 23,498 5,344 114,468 95,494 329,783 
       Non-accrual221 47 171 — 14,668 168 — 15,275 
   Total Commercial loans:$2,697,978 $2,043,809 $1,878,607 $947,349 $537,261 $837,905 $2,182,030 $11,124,939 
Gross write-offs for the year ended December 31, 2024$200 $275 $40 $53 $— $80 $1,387 $2,035 
Risk Category of Loans in Personal Banking Portfolio
The credit quality of Personal Banking loans is monitored primarily on the basis of aging/delinquency, and this information is provided as of September 30, 2025 and December 31, 2024 below.

Term Loans Amortized Cost Basis by Origination Year
(In thousands)20252024202320222021PriorRevolving Loans Amortized Cost BasisTotal
September 30, 2025
Real estate-personal
       Current to 90 days past due$300,852 $334,177 $353,865 $375,031 $449,366 $1,238,685 $8,471 $3,060,447 
       Over 90 days past due— 150 635 1,993 1,582 5,306 — 9,666 
       Non-accrual— — — — 104 763 — 867 
   Total Real estate-personal:$300,852 $334,327 $354,500 $377,024 $451,052 $1,244,754 $8,471 $3,070,980 
Gross write-offs for the nine months ended September 30, 2025
$— $47 $65 $228 $48 $29 $— $417 
Consumer
       Current to 90 days past due$403,858 $285,987 $271,178 $149,318 $104,175 $72,581 $881,709 $2,168,806 
       Over 90 days past due90 414 177 184 123 225 1,580 2,793 
    Total Consumer:$403,948 $286,401 $271,355 $149,502 $104,298 $72,806 $883,289 $2,171,599 
Gross write-offs for the nine months ended September 30, 2025
$325 $2,884 $2,428 $1,414 $589 $280 $1,508 $9,428 
Revolving home equity
       Current to 90 days past due$— $— $— $— $— $— $363,623 $363,623 
       Over 90 days past due— — — — — — 618 618 
   Total Revolving home equity:$— $— $— $— $— $— $364,241 $364,241 
Gross write-offs for the nine months ended September 30, 2025
$— $— $— $— $— $— $15 $15 
Consumer credit card
       Current to 90 days past due$— $— $— $— $— $— $567,657 $567,657 
       Over 90 days past due— — — — — — 7,660 7,660 
   Total Consumer credit card:$— $— $— $— $— $— $575,317 $575,317 
Gross write-offs for the nine months ended September 30, 2025
$— $— $— $— $— $— $24,102 $24,102 
Overdrafts
       Current to 90 days past due$11,186 $— $— $— $— $— $— $11,186 
    Total Overdrafts:$11,186 $— $— $— $— $— $— $11,186 
Gross write-offs for the nine months ended September 30, 2025
$1,874 $— $— $— $— $— $— $1,874 
Personal banking loans
       Current to 90 days past due$715,896 $620,164 $625,043 $524,349 $553,541 $1,311,266 $1,821,460 $6,171,719 
       Over 90 days past due90 564 812 2,177 1,705 5,531 9,858 20,737 
       Non-accrual— — — — 104 763 — 867 
   Total Personal banking loans:$715,986 $620,728 $625,855 $526,526 $555,350 $1,317,560 $1,831,318 $6,193,323 
Gross write-offs for the nine months ended September 30, 2025
$2,199 $2,931 $2,493 $1,642 $637 $309 $25,625 $35,836 
Term Loans Amortized Cost Basis by Origination Year
(In thousands)20242023202220212020PriorRevolving Loans Amortized Cost BasisTotal
December 31, 2024
Real estate-personal
       Current to 90 days past due$387,119 $387,486 $404,680 $482,733 $637,115 $736,217 $10,934 $3,046,284 
       Over 90 days past due665 892 1,431 1,890 3,180 2,827 — 10,885 
       Non-accrual— 8 — 108 — 910 — 1,026 
   Total Real estate-personal:$387,784 $388,386 $406,111 $484,731 $640,295 $739,954 $10,934 $3,058,195 
Gross write-offs for the year ended December 31, 2024$— $82 $115 $83 $— $22 $— $302 
Consumer
       Current to 90 days past due$418,902 $369,855 $228,189 $165,030 $72,314 $49,890 $765,333 $2,069,513 
       Over 90 days past due465 584 406 213 47 367 1,528 3,610 
    Total Consumer:$419,367 $370,439 $228,595 $165,243 $72,361 $50,257 $766,861 $2,073,123 
Gross write-offs for the year ended December 31, 2024$1,438 $3,109 $2,859 $1,308 $540 $255 $2,309 $11,818 
Revolving home equity
       Current to 90 days past due$— $— $— $— $— $— $353,854 $353,854 
       Over 90 days past due— — — — — — 819 819 
       Non-accrual— — — — — — 1,977 $1,977 
   Total Revolving home equity:$— $— $— $— $— $— $356,650 $356,650 
Gross write-offs for the year ended December 31, 2024$— $— $— $— $— $— $— $— 
Consumer credit card
       Current to 90 days past due$— $— $— $— $— $— $587,292 $587,292 
       Over 90 days past due— — — — — — 8,638 8,638 
   Total Consumer credit card:$— $— $— $— $— $— $595,930 $595,930 
Gross write-offs for the year ended December 31, 2024$— $— $— $— $— $— $30,427 $30,427 
Overdrafts
       Current to 90 days past due$11,266 $— $— $— $— $— $— $11,266 
    Total Overdrafts:$11,266 $— $— $— $— $— $— $11,266 
Gross write-offs for the year ended December 31, 2024$2,689 $— $— $— $— $— $— $2,689 
Personal banking loans
       Current to 90 days past due$817,287 $757,341 $632,869 $647,763 $709,429 $786,107 $1,717,413 $6,068,209 
       Over 90 days past due1,130 1,476 1,837 2,103 3,227 3,194 10,985 23,952 
       Non-accrual— 8 — 108 — 910 1,977 3,003 
   Total Personal banking loans:$818,417 $758,825 $634,706 $649,974 $712,656 $790,211 $1,730,375 $6,095,164 
Gross write-offs for the year ended December 31, 2024$4,127 $3,191 $2,974 $1,391 $540 $277 $32,736 $45,236 
Amortized Cost Basis of Collateral-Dependent Loans The following table presents the amortized cost basis of collateral-dependent loans as of September 30, 2025 and December 31, 2024.
(In thousands)Real EstateTotal
September 30, 2025
Commercial:
  Real estate - business$14,508 $14,508 
Total$14,508 $14,508 
December 31, 2024
Commercial:
Real estate - business$14,667 $14,667 
Personal Banking:
Revolving home equity1,977 1,977 
Total$16,644 $16,644 
Outstanding Balance Of Modified Loans to Borrowers Experiencing Financial Difficulty
The following tables present the amortized cost at September 30, 2025 of loans that were modified during the three and nine months ended September 30, 2025 and the amortized cost at September 30, 2024 of loans that were modified during the three and nine months ended September 30, 2024.

For the Three Months Ended September 30, 2025



(Dollars in thousands)
Term ExtensionPayment DelayInterest Rate ReductionTotal% of Total Loan Category
September 30, 2025
Commercial:
Business$42,047 $— $— $42,047 0.7 %
Real estate – business19,253 — — 19,253 0.5 
Personal Banking:
Real estate – personal 31 1,869 — 1,900 0.1 
Consumer— — 19 19 — 
Consumer credit card— — 973 973 0.2 
Total $61,331 $1,869 $992 $64,192 0.4 %
For the Nine Months Ended September 30, 2025
September 30, 2025
Commercial:
Business$60,984 $— $— $60,984 1.0 %
Real estate – business96,549 — — 96,549 2.6 
Personal Banking:
Real estate – personal31 8,249 — 8,280 0.3 
Consumer— 35 79 114 — 
Consumer credit card— — 2,389 2,389 0.4 
Total$157,564 $8,284 $2,468 $168,316 0.9 %


For the Three Months Ended September 30, 2024



(Dollars in thousands)
Term ExtensionPayment DelayInterest Rate Reduction
Other
Total% of Total Loan Category
September 30, 2024
Commercial:
Business$36,892 $— $— $— $36,892 0.6 %
Real estate – construction and land1,915 — — — 1,915 0.1 
Real estate – business70,091 — — — 70,091 2.0 
Personal Banking:
Real estate – personal 42 4,024 — — 4,066 0.1 
Consumer— 720 30 — 750 — 
Consumer credit card— — 931 — 931 0.2 
Total $108,940 $4,744 $961 $— $114,645 0.7 %
For the Nine Months Ended September 30, 2024
September 30, 2024
Commercial:
Business$54,608 $— $— $— $54,608 0.9 %
Real estate – construction and land1,915 — — — 1,915 0.1 
Real estate – business117,718 — — — 117,718 3.3 
Personal Banking:
Real estate – personal42 6,586 — — 6,628 0.2 
Consumer— 720 84 44 848 — 
Consumer credit card— — 2,642 — 2,642 0.5 
Total$174,283 $7,306 $2,726 $44 $184,359 1.1 %
Financing receivable, financial impacts of loan modifications and payment deferrals
The following tables summarize the financial impact of loan modifications and payment deferrals during the three and nine months ended September 30, 2025 and September 30, 2024.

Term Extension
Three Months Ended September 30, 2025Three Months Ended September 30, 2024
Commercial:
Business
Extended maturity by a weighted average of 5 months.
Extended maturity by a weighted average of 5 months.
Real estate – construction and land—
Extended maturity by a weighted average of 2 months.
Real estate – business
Extended maturity by a weighted average of 6 months.
Extended maturity by a weighted average of 11 months.
Personal Banking:
Real estate – personal
Extended maturity by a weighted average of 9 months.
Extended maturity by a weighted average of 2 months.
Nine Months Ended September 30, 2025Nine Months Ended September 30, 2024
Commercial:
Business
Extended maturity by a weighted average of 10 months.
Extended maturity by a weighted average of 5 months.
Real estate – construction and land—
Extended maturity by a weighted average of 2 months.
Real estate – business
Extended maturity by a weighted average of 15 months.
Extended maturity by a weighted average of 11 months.
Personal Banking:
Real estate – personal
Extended maturity by a weighted average of 9 months.
Extended maturity by a weighted average of 5 months.
Payment Delay
Three Months Ended September 30, 2025Three Months Ended September 30, 2024
Personal Banking:
Real estate – personal
Deferred certain payments by a weighted average of 25 years.
Deferred certain payments by a weighted average of 15 years.
Consumer—
Deferred certain payments by a weighted average of 19 years.
Nine Months Ended September 30, 2025Nine Months Ended September 30, 2024
Personal Banking:
Real estate – personal
Deferred certain payments by a weighted average of 24 years.
Deferred certain payments by a weighted average of 10 years.
Consumer
Deferred certain payments by a weighted average of 8 years.
Deferred certain payments by a weighted average of 19 years.


Interest Rate Reduction
Three Months Ended September 30, 2025Three Months Ended September 30, 2024
Personal Banking:
ConsumerReduced contractual interest rate from average 22% to 6%.Reduced contractual interest rate from average 21% to 6%.
Consumer credit cardReduced contractual interest rate from average 22% to 6%.Reduced contractual interest rate from average 21% to 6%.
Nine Months Ended September 30, 2025Nine Months Ended September 30, 2024
Personal Banking:
ConsumerReduced contractual interest rate from average 22% to 6%.Reduced contractual interest rate from average 21% to 6%.
Consumer credit cardReduced contractual interest rate from average 22% to 6%.Reduced contractual interest rate from average 21% to 6%.
Financing Receivable, Modified, Subsequent Default
The following tables provide the amortized cost basis at September 30, 2025 of loans to borrowers experiencing financial difficulty that had a payment default during the three and nine months ended September 30, 2025 and were modified within the 12 months preceding the payment default, as well as the amortized cost basis at September 30, 2024 of loans to borrowers experiencing financial difficulty that had a payment default during the three and nine months ended September 30, 2024 and had been modified within the 12 months preceding the payment default. For purposes of this disclosure, the Company considers "default" to mean 90 days or more past due as to interest or principal.
For the Three Months Ended September 30, 2025For the Nine Months Ended September 30, 2025


(Dollars in thousands)		Term ExtensionPayment DelayInterest Rate ReductionInterest/Fees ForgivenTotalTerm ExtensionPayment DelayInterest Rate ReductionInterest/Fees ForgivenTotal
September 30, 2025
Commercial:
Business$45 $— $— $— $45 $45 $— $— $— $45 
Real estate – business14,632 — — — 14,632 14,632 — — — 14,632 
Personal Banking:
Real estate – personal — 761 — — 761 — 2,276 — — 2,276 
Consumer— — 1 — 1 — — 25 — 25 
Consumer credit card— — 257 — 257 — — 451 — 451 
Total $14,677 $761 $258 $— $15,696 $14,677 $2,276 $476 $— $17,429 
For the Three Months Ended September 30, 2024For the Nine Months Ended September 30, 2024


(Dollars in thousands)
Term ExtensionPayment DelayInterest Rate ReductionInterest/Fees ForgivenTotalTerm ExtensionPayment DelayInterest Rate ReductionInterest/Fees ForgivenTotal
September 30, 2024
Commercial:
Business$14,872 $— $— $— $14,872 $14,872 $— $— $— $14,872 
Personal Banking:
Real estate – personal $— $2,600 $— $— $2,600 $— $3,728 $— $— $3,728 
Consumer— — 13 — 13 — — 24 — 24 
Consumer credit card— — 251 — 251 — — 536 20 556 
Total $14,872 $2,600 $264 $— $17,736 $14,872 $3,728 $560 $20 $19,180 
Financing Receivable, Modified, Past Due
The following tables present the amortized cost basis at September 30, 2025 of loans to borrowers experiencing financial difficulty that had been modified within the previous 12 months as well as the amortized cost basis at September 30, 2024 of loans to borrowers experiencing financial difficulty that had been modified within the 12 months preceding September 30, 2024.



(In thousands)
Current
30-89 Days Past Due
90 Days Past DueTotal
September 30, 2025
Commercial:
Business$88,589 $— $45 $88,634 
Real estate – business88,961 — 14,632 103,593 
Personal Banking:
Real estate – personal 8,701 917 761 10,379 
Consumer99 35 1 135 
Consumer credit card2,319 405 257 2,981 
Total $188,669 $1,357 $15,696 $205,722 


(In thousands)
Current
30-89 Days Past Due
90 Days Past DueTotal
September 30, 2024
Commercial:
Business$56,517 $86 $— $56,603 
Real estate – construction and land1,915 — — 1,915 
Real estate – business102,846 — 14,872 117,718 
Personal Banking:
Real estate – personal 3,220 1,151 2,601 6,972 
Consumer844 18 12 874 
Consumer credit card2,380 510 237 3,127 
Total $167,722 $1,765 $17,722 $187,209 
v3.25.3
Investment Securities (Tables)
 9 Months Ended
Sep. 30, 2025
Investment Securities [Abstract]  
Summary Investment Holdings
Investment securities consisted of the following at September 30, 2025 and December 31, 2024.

(In thousands)September 30, 2025December 31, 2024
Available for sale debt securities$8,998,586 $9,136,853 
Trading debt securities56,282 38,034 
Equity securities:
Readily determinable fair value43,365 48,359 
No readily determinable fair value9,828 9,083 
Other:
Federal Reserve Bank stock35,822 35,545 
Federal Home Loan Bank stock10,103 10,120 
Private equity investments181,505 184,386 
Total investment securities (1)
$9,335,491 $9,462,380 
(1)Accrued interest receivable totaled $36.1 million and $35.0 million at September 30, 2025 and December 31, 2024, respectively, and was included within other assets on the consolidated balance sheets.
Equity Securities without Readily Determinable Fair Value
Changes in equity investments with no readily determinable fair value for each period of 2024 were as follows:
Three Months Ended September 30Nine Months Ended September 30
(In thousands)20242024
Balance at beginning of period$65,780 $6,978 
Observable upward price adjustments— 178,227 
Observable downward price adjustments(416)(416)
Impairment charges— — 
Sales of securities and other activity(56,511)(175,936)
Balance at end of period$8,853 $8,853 
Gain (Loss) on Securities
Net gains and losses for the Company's equity securities portfolio for the nine months ended September 30, 2024 were as follows:
Nine Months Ended September 30
(In thousands)2024
Net gains (losses) recognized during the period on equity securities$178,098 
Less: Net (gains) losses recognized during the period on equity securities sold during the period(176,755)
Net unrealized gains (losses) recognized during the reporting period on equity securities still held at the reporting date$1,343 
Summary Of Available For Sale Investment Securities By Maturity Groupings A summary of the available for sale debt securities by maturity groupings as of September 30, 2025 is shown below. The investment portfolio includes agency mortgage-backed securities, which are guaranteed by agencies such as FHLMC, FNMA, and Government National Mortgage Association (GNMA), in addition to non-agency mortgage-backed securities, which have no guarantee but are collateralized by commercial and residential mortgages. Also included are certain other asset-backed securities, which are primarily collateralized by credit cards, automobiles, student loans, and commercial loans. These securities differ from traditional debt securities primarily in that they may have uncertain maturity dates and are priced based on estimated prepayment rates on the underlying collateral.
(In thousands)Amortized
Cost		Fair
Value
U.S. government and federal agency obligations:
Within 1 year$414,722 $415,573 
After 1 but within 5 years1,382,147 1,394,173 
After 5 but within 10 years1,000,182 1,007,653 
After 10 years106,535 107,839 
Total U.S. government and federal agency obligations2,903,586 2,925,238 
Government-sponsored enterprise obligations:
After 5 but within 10 years35,139 30,492 
After 10 years19,820 14,254 
Total government-sponsored enterprise obligations54,959 44,746 
State and municipal obligations:
Within 1 year65,048 64,649 
After 1 but within 5 years415,803 397,106 
After 5 but within 10 years158,341 141,696 
After 10 years109,378 92,247 
Total state and municipal obligations748,570 695,698 
Mortgage and asset-backed securities:
  Agency mortgage-backed securities3,883,052 3,291,338 
  Non-agency mortgage-backed securities487,070 452,424 
  Asset-backed securities1,409,706 1,395,349 
Total mortgage and asset-backed securities5,779,828 5,139,111 
Other debt securities:
Within 1 year14,432 14,291 
After 1 but within 5 years74,130 69,564 
After 5 but within 10 years86,832 85,388 
After 10 years24,747 24,550 
Total other debt securities200,141 193,793 
Total available for sale debt securities$9,687,084 $8,998,586 
Securities With Unrealized Losses and Length of Impairment Period
The table below summarizes debt securities available for sale in an unrealized loss position, aggregated by length of loss period, for which an allowance for credit losses has not been recorded at September 30, 2025 and December 31, 2024. Unrealized losses on these available for sale securities have not been recognized into income because after review, the securities were deemed not to be impaired. The unrealized losses on these securities are primarily attributable to changes in interest rates and current market conditions. At September 30, 2025, the Company does not intend to sell the securities, nor is it anticipated that it would be required to sell any of these securities at a loss.

Less than 12 months12 months or longerTotal
 
(In thousands)
   Fair ValueUnrealized
Losses		Fair ValueUnrealized
Losses		Fair ValueUnrealized
Losses
September 30, 2025
U.S. government and federal agency obligations$308,226 $1,294 $572,602 $8,336 $880,828 $9,630 
Government-sponsored enterprise obligations — — 44,746 10,213 44,746 10,213 
State and municipal obligations10,231 173 654,343 52,750 664,574 52,923 
Mortgage and asset-backed securities:
   Agency mortgage-backed securities1,556 5 3,235,669 592,554 3,237,225 592,559 
   Non-agency mortgage-backed securities— — 436,921 35,079 436,921 35,079 
   Asset-backed securities34,845 86 646,644 23,322 681,489 23,408 
Total mortgage and asset-backed securities36,401 91 4,319,234 650,955 4,355,635 651,046 
Other debt securities— — 117,248 7,568 117,248 7,568 
Total $354,858 $1,558 $5,708,173 $729,822 $6,063,031 $731,380 
December 31, 2024
U.S. government and federal agency obligations$1,492,875 $24,662 $353,129 $17,197 $1,846,004 $41,859 
Government-sponsored enterprise obligations— — 42,848 12,576 42,848 12,576 
State and municipal obligations14,860 230 724,587 79,685 739,447 79,915 
Mortgage and asset-backed securities:
   Agency mortgage-backed securities3,882 42 3,409,405 750,664 3,413,287 750,706 
   Non-agency mortgage-backed securities10 — 564,637 56,986 564,647 56,986 
   Asset-backed securities219,414 2,371 1,083,938 36,824 1,303,352 39,195 
Total mortgage and asset-backed securities223,306 2,413 5,057,980 844,474 5,281,286 846,887 
Other debt securities26,390 579 198,936 12,718 225,326 13,297 
Total $1,757,431 $27,884 $6,377,480 $966,650 $8,134,911 $994,534 
Available For Sale Securities Unrealized Gains And Losses By Security Type
For debt securities classified as available for sale, the following table shows the amortized cost, fair value, and allowance for credit losses of securities available for sale at September 30, 2025 and December 31, 2024, and the corresponding amounts of gross unrealized gains and losses (pre-tax) in AOCI, by security type.

 
 
(In thousands)
Amortized CostGross
Unrealized
Gains		Gross
Unrealized
Losses		Allowance for Credit Losses
Fair Value
September 30, 2025
U.S. government and federal agency obligations$2,903,586 $31,282 $(9,630)$— $2,925,238 
Government-sponsored enterprise obligations54,959 — (10,213)— 44,746 
State and municipal obligations748,570 51 (52,923)— 695,698 
Mortgage and asset-backed securities:
  Agency mortgage-backed securities3,883,052 845 (592,559)— 3,291,338 
  Non-agency mortgage-backed securities487,070 433 (35,079)— 452,424 
  Asset-backed securities1,409,706 9,051 (23,408)— 1,395,349 
Total mortgage and asset-backed securities5,779,828 10,329 (651,046)— 5,139,111 
Other debt securities200,141 1,220 (7,568)— 193,793 
Total$9,687,084 $42,882 $(731,380)$— $8,998,586 
December 31, 2024
U.S. government and federal agency obligations$2,594,130 $2,981 $(41,859)$— $2,555,252 
Government-sponsored enterprise obligations55,425 — (12,576)— 42,849 
State and municipal obligations822,790 16 (79,915)— 742,891 
Mortgage and asset-backed securities:
  Agency mortgage-backed securities4,195,182 415 (750,706)— 3,444,891 
  Non-agency mortgage-backed securities625,539 136 (56,986)— 568,689 
  Asset-backed securities1,595,797 413 (39,195)— 1,557,015 
Total mortgage and asset-backed securities6,416,518 964 (846,887)— 5,570,595 
Other debt securities238,563 — (13,297)— 225,266 
Total$10,127,426 $3,961 $(994,534)$— $9,136,853 
Proceeds From Sales Of Securities And Components Of Investment Securities Gains And Losses
The following table presents proceeds from sales of securities and the components of investment securities gains and losses which have been recognized in earnings.
For the Nine Months Ended September 30
(In thousands)20252024
Proceeds from sales of securities:
Available for sale debt securities
$36,065 $1,057,589 
Equity securities
— 176,780 
Other investments
10,563 38,558 
Total proceeds
$46,628 $1,272,927 
Investment securities gains (losses), net:
Available for sale debt securities:
Gains realized on sales$4 $— 
Losses realized on sales(4,218)(192,938)
Equity securities:
 Gains (losses) on equity securities, net1,666 178,098 
Other:
 Gains realized on sales
1,172 3,082 
 Losses realized on sales
(1,735)(1,601)
Fair value adjustments, net 3,842 20,205 
Total investment securities gains (losses), net$731 $6,846 
v3.25.3
Goodwill And Other Intangible Assets (Tables)
 9 Months Ended
Sep. 30, 2025
Goodwill and Intangible Assets Disclosure [Abstract]  
Schedule Of Intangible Assets With Estimable Useful Lives
The following table presents information about the Company's intangible assets which have estimable useful lives.

September 30, 2025December 31, 2024
 
 
(In thousands)
Gross Carrying AmountAccumulated AmortizationValuation AllowanceNet AmountGross Carrying AmountAccumulated AmortizationValuation AllowanceNet Amount
Amortizable intangible assets:
Core deposit premium$5,550 $(5,400)$— $150 $5,550 $(5,286)$— $264 
Mortgage servicing rights13,704 (4,125)— 9,579 13,673 (3,905)— 9,768 
Total $19,254 $(9,525)$— $9,729 $19,223 $(9,191)$— $10,032 
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense The following table shows the estimated annual amortization expense for the next five fiscal years. This expense is based on existing asset balances and the interest rate environment as of September 30, 2025. The Company’s actual amortization expense in any given period may be different from the estimated amounts depending upon the acquisition of intangible assets, changes in mortgage interest rates, prepayment rates and other market conditions.
 (In thousands)
2025$1,271 
20261,192 
20271,024 
2028885 
2029791 
Schedule Of Changes In Carrying Amount Of Goodwill And Net Other Intangible Assets
Changes in the carrying amount of goodwill and other intangible assets for the nine month period ended September 30, 2025 are as follows:

(In thousands)GoodwillEasementCore Deposit PremiumMortgage Servicing Rights
Balance January 1, 2025
$146,539 $3,600 $264 $9,768 
Originations, net of disposals— — — 651 
Amortization— — (114)(840)
Balance September 30, 2025$146,539 $3,600 $150 $9,579 
Schedule Of Goodwill Allocated By Operating Segments
Goodwill allocated to the Company’s operating segments at September 30, 2025 and December 31, 2024 is shown below.

(In thousands)September 30, 2025December 31, 2024
Consumer segment$70,721 $70,721 
Commercial segment75,072 75,072 
Wealth segment746 746 
Total goodwill$146,539 $146,539 
v3.25.3
Leases (Tables)
 9 Months Ended
Sep. 30, 2025
Leases [Abstract]  
Lessor, Components of Lease Income [Table Text Block]
The following table provides the components of lease income.

For the Three Months Ended September 30For the Nine Months Ended September 30
(in thousands)2025202420252024
Direct financing and sales-type leases$10,114 $9,409 $29,809 $27,464 
Operating leases(a)
4,842 4,249 13,327 12,641 
Total lease income$14,956 $13,658 $43,136 $40,105 
(a) Includes rent from Tower Properties Company, a related party, of $0 and $20 thousand for the three month periods ended September 30, 2025 and 2024, respectively, and $0 and $58 thousand for the nine month periods ended September 30, 2025 and 2024, respectively. Tower Properties Company was no longer a lessee of the Company as of January 1, 2025.
v3.25.3
Pension (Tables)
 9 Months Ended
Sep. 30, 2025
Pension [Abstract]  
Components of the Net Pension Costs
The amount of net pension cost is shown in the table below:

For the Three Months Ended September 30For the Nine Months Ended September 30
(In thousands)2025202420252024
Service cost$139 $97 $410 $290 
Interest cost on projected benefit obligation1,094 1,062 3,241 3,287 
Expected return on plan assets(994)(1,066)(2,954)(3,104)
Amortization of prior service cost— (45)— (136)
Amortization of unrecognized net loss (gain)44 177 502 739 
Net periodic pension cost $283 $225 $1,199 $1,076 
v3.25.3
Common Stock (Tables)
 9 Months Ended
Sep. 30, 2025
Common Stock [Abstract]  
Summary Of Components Used To Calculate Basic And Diluted Income Per Share
Presented below is a summary of the components used to calculate basic and diluted income per share. The Company applies the two-class method of computing income per share, as nonvested share-based awards that pay nonforfeitable common stock dividends are considered securities which participate in undistributed earnings with common stock. The two-class method requires the calculation of separate income per share amounts for the nonvested share-based awards and for common stock. Income per share attributable to common stock is shown in the table below. Nonvested share-based awards are further discussed in Note 13.

For the Three Months Ended September 30For the Nine Months Ended September 30
(In thousands, except per share data)2025202420252024
Basic income per common share:
Net income attributable to Commerce Bancshares, Inc.$141,518 $138,007 $425,589 $390,223 
Less income allocated to nonvested restricted stock1,338 1,289 4,058 3,646 
  Net income allocated to common stock$140,180 $136,718 $421,531 $386,577 
Weighted average common shares outstanding132,338 134,217 132,568 134,862 
    Basic income per common share$1.06 $1.02 $3.18 $2.87 
Diluted income per common share:
Net income attributable to Commerce Bancshares, Inc.$141,518 $138,007 $425,589 $390,223 
Less income allocated to nonvested restricted stock1,337 1,288 4,055 3,643 
  Net income allocated to common stock$140,181 $136,719 $421,534 $386,580 
Weighted average common shares outstanding132,338 134,217 132,568 134,862 
Net effect of the assumed exercise of stock-based awards - based on the treasury stock method using the average market price for the respective periods125 178 136 163 
Weighted average diluted common shares outstanding132,463 134,395 132,704 135,025 
    Diluted income per common share$1.06 $1.01 $3.18 $2.86 
v3.25.3
Accumulated Other Comprehensive Income (Tables)
 9 Months Ended
Sep. 30, 2025
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]  
Components of Accumulated Other Comprehensive Income (Loss)
The table below shows the activity and accumulated balances for components of other comprehensive income. Information about unrealized gains and losses on securities can be found in Note 3, and information about unrealized gains and losses on cash flow hedge derivatives is located in Note 11.

Unrealized Gains (Losses) on Securities (1)Pension Loss Unrealized Gains (Losses) on Cash Flow Hedge Derivatives (2)Total Accumulated Other Comprehensive Income (Loss)
(In thousands)
Balance January 1, 2025
$(742,926)$(12,059)$(3,926)$(758,911)
Other comprehensive income (loss) before reclassifications to current earnings297,859 — 4,833 302,692 
Amounts reclassified to current earnings from accumulated other comprehensive income 4,214 502 (7,082)(2,366)
 Current period other comprehensive income (loss), before tax302,073 502 (2,249)300,326 
Income tax (expense) benefit(75,518)(125)562 (75,081)
 Current period other comprehensive income (loss), net of tax226,555 377 (1,687)225,245 
Balance September 30, 2025
$(516,371)$(11,682)$(5,613)$(533,666)
Balance January 1, 2024
$(915,001)$(13,596)$37,185 $(891,412)
Other comprehensive income (loss) before reclassifications to current earnings240,695 — (6,199)234,496 
Amounts reclassified to current earnings from accumulated other comprehensive income192,938 603 (8,693)184,848 
 Current period other comprehensive income (loss), before tax433,633 603 (14,892)419,344 
Income tax (expense) benefit(108,408)(150)3,722 (104,836)
 Current period other comprehensive income (loss), net of tax325,225 453 (11,170)314,508 
Balance September 30, 2024
$(589,776)$(13,143)$26,015 $(576,904)
(1) The pre-tax amounts reclassified from accumulated other comprehensive income to current earnings are included in "investment securities gains (losses), net" in the consolidated statements of income.
(2) The pre-tax amounts reclassified from accumulated other comprehensive income to current earnings are included in "interest and fees on loans" in the consolidated statements of income.
v3.25.3
Segments (Tables)
 9 Months Ended
Sep. 30, 2025
Segment Reporting [Abstract]  
Schedule Of Financial Information By Segment
The following table presents selected financial information by segment and reconciliations of combined segment totals to consolidated totals. There were no material intersegment revenues between the three segments. Management periodically makes changes to methods of assigning costs and income to its business segments to better reflect operating results. If appropriate, these changes are reflected in prior year information presented below.


(In thousands)
ConsumerCommercialWealthOther/EliminationConsolidated Totals
Three Months Ended September 30, 2025
Net interest income$126,606 $132,575 $22,534 $(2,258)$279,457 
Provision for credit losses(9,422)(908)1 (9,732)(20,061)
Non-interest income25,364 66,408 68,100 1,639 161,511 
Investment securities gains (losses), net— — — 7,885 7,885 
Non-interest expense(84,886)(107,201)(42,254)(9,677)(244,018)
Income before income taxes$57,662 $90,874 $48,381 $(12,143)$184,774 
Nine Months Ended September 30, 2025
Net interest income$378,958 $393,453 $67,729 $(11,434)$828,706 
Provision for credit losses(29,241)(1,548)(17)(9,339)(40,145)
Non-interest income73,055 211,388 195,985 5,645 486,073 
Investment securities gains (losses), net— — — 731 731 
Non-interest expense(250,968)(319,258)(124,356)(32,249)(726,831)
Income before income taxes$171,804 $284,035 $139,341 $(46,646)$548,534 
Three Months Ended September 30, 2024
Net interest income$128,904 $128,253 $20,966 $(15,772)$262,351 
Provision for loan losses(9,526)(186)146 426 (9,140)
Non-interest income25,517 65,287 61,841 6,380 159,025 
Investment securities gains (losses), net— — — 3,872 3,872 
Non-interest expense(85,121)(102,614)(40,059)(9,806)(237,600)
Income before income taxes$59,774 $90,740 $42,894 $(14,900)$178,508 
Nine Months Ended September 30, 2024
Net interest income$384,278 $380,476 $66,390 $(57,545)$773,599 
Provision for credit losses(27,451)(952)150 8,858 (19,395)
Non-interest income74,424 195,669 179,840 10,184 460,117 
Investment securities gains (losses), net— — — 6,846 6,846 
Non-interest expense(245,834)(303,959)(118,512)(47,206)(715,511)
Income before income taxes$185,417 $271,234 $127,868 $(78,863)$505,656 
v3.25.3
Derivative Instruments (Tables)
 9 Months Ended
Sep. 30, 2025
Derivative Instrument Detail [Abstract]  
Schedule Of Notional Amounts Of Derivative Instruments
The notional amounts of the Company’s derivative instruments are shown in the table below. These contractual amounts, along with other terms of the derivative, are used to determine amounts to be exchanged between counterparties and are not a measure of loss exposure. The Company's derivatives are not accounted for as accounting hedges except for the interest rate floors, as discussed below.


(In thousands)
September 30, 2025December 31, 2024
Interest rate swaps$2,012,179 $2,065,400 
Interest rate floors2,000,000 2,000,000 
Interest rate caps94,219 37,488 
Credit risk participation agreements467,339 503,196 
Foreign exchange contracts19,562 16,978 
 Mortgage loan commitments
6,930 3,060 
Mortgage loan forward sale contracts362 1,759 
Forward TBA contracts7,000 3,500 
Total notional amount$4,607,591 $4,631,381 
Interest Rate Floor Summary Information about the floors is provided in the table below.
Strike RateEffective DateMaturity Date
3.50 %July 1, 2024July 1, 2030
3.25 %November 1, 2024November 1, 2030
3.00 %March 1, 2025March 1, 2031
2.75 %July 1, 2025July 1, 2031
Schedule Of Fair Values Of Derivative Instruments
The fair values of the Company's derivative instruments, whose notional amounts are listed above, are shown in the table below. Information about the valuation methods used to determine fair value is provided in Note 15 on Fair Value Measurements.

The Company's policy is to present its derivative assets and derivative liabilities on a gross basis on its consolidated balance sheets, and these are reported in other assets and other liabilities. In prior years, certain collateral posted to and from the Company's clearing counterparty has been applied to the fair values of the cleared swap. There was no reduction to positive or negative fair values of cleared swaps at September 30, 2025 and December 31, 2024.

 Asset DerivativesLiability Derivatives
Sept. 30, 2025Dec. 31, 2024Sept. 30, 2025Dec. 31, 2024
(In thousands)    
  Fair Value  Fair Value
Derivatives designated as hedging instruments:
   Interest rate floors$40,376 $35,544 $— $— 
Total derivatives designated as hedging instruments$40,376 $35,544 $— $— 
Derivative instruments not designated as hedging instruments:
   Interest rate swaps$20,703 $26,759 $(20,703)$(26,759)
   Interest rate caps3 44 (3)(44)
   Credit risk participation agreements76 35 (94)(58)
   Foreign exchange contracts459 179 (435)(101)
   Mortgage loan commitments118 58 (11)— 
   Mortgage loan forward sale contracts2 14 — — 
   Forward TBA contracts23 15 (2)(1)
Total derivatives not designated as hedging instruments$21,384 $27,104 $(21,248)$(26,963)
Total$61,760 $62,648 $(21,248)$(26,963)
Schedule of Derivative Instruments, Effect on Other Comprehensive Income (Loss)
The Company made an election to exclude the initial premiums paid on the interest rate floors from the hedge effectiveness measurement. Those initial premiums are amortized over the periods between the premium payment month and the contract maturity month. The pre-tax effects of the gains and losses (both the included and excluded amounts for hedge effectiveness assessment) recognized in the other comprehensive income from the cash flow hedging instruments and the amounts reclassified from accumulated other comprehensive income into income (both included and excluded amounts for hedge effectiveness measurement) are shown in the table below.



Amount of Gain or (Loss) Recognized in OCI
Location of Gain (Loss) Reclassified from AOCI into IncomeAmount of Gain (Loss) Reclassified from AOCI into Income
(In thousands)TotalIncluded ComponentExcluded ComponentTotalIncluded ComponentExcluded Component
For the Three Months Ended September 30, 2025
Derivatives in cash flow hedging relationships:
Interest rate floors$(10,548)$(346)$(10,202)Interest and fees on loans$2,177 $6,433 $(4,256)
Total$(10,548)$(346)$(10,202)Total$2,177 $6,433 $(4,256)
For the Nine Months Ended September 30, 2025
Derivatives in cash flow hedging relationships:
Interest rate floors$4,833 $5,688 $(855)Interest and fees on loans$7,082 $19,712 $(12,630)
Total$4,833 $5,688 $(855)Total$7,082 $19,712 $(12,630)
For the Three Months Ended September 30, 2024
Derivatives in cash flow hedging relationships:
Interest rate floors$23,168 $13,673 $9,495 Interest and fees on loans$2,816 $7,072 $(4,256)
Total$23,168 $13,673 $9,495 Total$2,816 $7,072 $(4,256)
For the Nine Months Ended September 30, 2024
Derivatives in cash flow hedging relationships:
Interest rate floors$(6,199)$3,565 $(9,764)Interest and fees on loans$8,693 $21,369 $(12,676)
Total$(6,199)$3,565 $(9,764)Total$8,693 $21,369 $(12,676)
Summary Of The Effects Of Derivative Instruments On Consolidated Statements Of Income
The gain and loss recognized through various derivative instruments on the consolidated statements of income are shown in the table below.



Location of Gain or (Loss) Recognized in Consolidated Statements of Income Amount of Gain or (Loss) Recognized in Income on Derivatives

For the Three Months Ended September 30For the Nine Months Ended September 30
(In thousands)2025202420252024
Derivative instruments:
  Interest rate swapsOther non-interest income$393 $239 $1,140 $1,562 
  Credit risk participation agreementsOther non-interest income(39)— 139 (214)
  Foreign exchange contractsOther non-interest income162 (42)(54)(21)
  Mortgage loan commitmentsLoan fees and sales(146)52 49 105 
  Mortgage loan forward sale contractsLoan fees and sales— 1 (11)1 
  Forward TBA contractsLoan fees and sales(69)(141)(169)(127)
Total$301 $109 $1,094 $1,306 
Balance Sheet Offsetting, Derivatives [Table Text Block]
Gross Amounts Not Offset in the Balance Sheet
(In thousands)Gross Amount RecognizedGross Amounts Offset in the Balance SheetNet Amounts Presented in the Balance SheetFinancial Instruments Available for OffsetCollateral
Received/
Pledged		Net Amount
September 30, 2025
Assets:
Derivatives subject to master netting agreements
$61,555 $— $61,555 $(11,563)$(38,078)$11,914 
Derivatives not subject to master netting agreements
205 — 205 
Total derivatives$61,760 $— $61,760 
Liabilities:
Derivatives subject to master netting agreements
$20,814 $— $20,814 $(11,563)$— $9,251 
Derivatives not subject to master netting agreements
434 — 434 
Total derivatives$21,248 $— $21,248 
December 31, 2024
Assets:
Derivatives subject to master netting agreements
$62,437 $— $62,437 $(3,780)$(54,620)$4,037 
Derivatives not subject to master netting agreements
211 — 211 
Total derivatives$62,648 $— $62,648 
Liabilities:
Derivatives subject to master netting agreements
$26,848 $— $26,848 $(3,780)$— $23,068 
Derivatives not subject to master netting agreements
115 — 115 
Total derivatives$26,963 $— $26,963 
v3.25.3
Resale and Repurchase Agreements (Tables)
 9 Months Ended
Sep. 30, 2025
Resale and Repurchase Agreements [Abstract]  
Resale and Repurchase Agreements [Table Text Block]
The following table shows the extent to which resale agreement assets and repurchase agreement liabilities with the same counterparty have been offset on the consolidated balance sheets, in addition to the extent to which they could potentially be offset. Also shown is collateral received or pledged, which consists of marketable securities. The collateral amounts in the table are limited to the outstanding balances of the related asset or liability (after offsetting is applied); thus amounts of excess collateral are not shown.

Gross Amounts Not Offset in the Balance Sheet
(In thousands)Gross Amount RecognizedGross Amounts Offset in the Balance SheetNet Amounts Presented in the Balance SheetFinancial Instruments Available for OffsetSecurities Collateral Received/PledgedUnsecured Amount
September 30, 2025
Total resale agreements, subject to master netting arrangements
$850,000 $— $850,000 $— $(850,000)$— 
Total repurchase agreements, subject to master netting arrangements
2,335,405 — 2,335,405 — (2,335,405)— 
December 31, 2024
Total resale agreements, subject to master netting arrangements
$625,000 $— $625,000 $— $(625,000)$— 
Total repurchase agreements, subject to master netting arrangements
2,803,043 — 2,803,043 — (2,803,043)— 
Schedule of Underlying Assets of Repurchase Agreements [Table Text Block]
The table below shows the remaining contractual maturities of repurchase agreements outstanding at September 30, 2025 and December 31, 2024, in addition to the various types of marketable securities that have been pledged by the Company as collateral for these borrowings.

Remaining Contractual Maturity of the Agreements
(In thousands)Overnight and continuousUp to 90 daysGreater than 90 daysTotal
September 30, 2025
Repurchase agreements, secured by:
  U.S. government and federal agency obligations$276,573 $— $— $276,573 
  Government-sponsored enterprise obligations10,823 — — 10,823 
  Agency mortgage-backed securities1,402,280 4,600 26,750 1,433,630 
  Non-agency mortgage-backed securities22,203 — — 22,203 
  Asset-backed securities412,891 18,706 31,604 463,201 
  Other debt securities128,975 — — 128,975 
   Total repurchase agreements, gross amount recognized$2,253,745 $23,306 $58,354 $2,335,405 
December 31, 2024
Repurchase agreements, secured by:
  U.S. government and federal agency obligations$518,937 $— $— $518,937 
  Government-sponsored enterprise obligations9,969 — — 9,969 
  Agency mortgage-backed securities1,641,156 9,600 22,250 1,673,006 
  Non-agency mortgage-backed securities24,273 — — 24,273 
  Asset-backed securities462,841 30,623 18,227 511,691 
  Other debt securities65,167 — — 65,167 
   Total repurchase agreements, gross amount recognized$2,722,343 $40,223 $40,477 $2,803,043 
v3.25.3
Stock-Based Compensation (Tables)
 9 Months Ended
Sep. 30, 2025
Share-Based Payment Arrangement, Noncash Expense [Abstract]  
Summary Of The Status Of Nonvested Share Awards A summary of the status of the Company’s nonvested share awards as of September 30, 2025, and changes during the nine month period then ended, is presented below.
 
 
 

Shares Weighted Average Grant Date Fair Value
Nonvested at January 1, 20251,252,653 $55.41
Granted295,082 65.18
Vested(251,027)55.02
Forfeited(38,590)57.29
Nonvested at September 30, 20251,258,118 $57.73
Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions The current year per share average fair value and the model assumptions are shown in the table below.
Weighted per share average fair value at grant date$19.72 
Assumptions:
Dividend yield
1.7%
Volatility
29.6%
Risk-free interest rate
4.1%
Expected term
6.0 years
Summary Of SAR Activity
A summary of SAR activity during the first nine months of 2025 is presented below.

 
 
 
 
(Dollars in thousands, except per share data)
Rights
Weighted Average Exercise Price
Weighted Average Remaining Contractual Term
Aggregate Intrinsic Value
Outstanding at January 1, 2025841,962 $48.90 
Granted38,770 64.93 
Forfeited(2,533)55.07 
Expired(1,631)54.87 
Exercised(63,088)39.50 
Outstanding at September 30, 2025
813,480 $50.36 5.0 years$8,057 
v3.25.3
Revenue from Contracts with Customers (Tables)
 9 Months Ended
Sep. 30, 2025
Revenue from Contract with Customer [Abstract]  
Disaggregation of Revenue [Table Text Block]
The following table disaggregates revenue from contracts with customers by major product line.

Three Months Ended September 30Nine Months Ended September 30
(In thousands)2025202420252024
Trust fees$58,412 $54,689 $170,575 $158,085 
Bank card transaction fees45,551 47,570 137,506 141,977 
Deposit account charges and other fees27,427 25,380 80,297 74,856 
Consumer brokerage services6,698 4,619 16,866 13,505 
Other non-interest income10,659 14,496 43,867 37,337 
Total non-interest income from contracts with customers148,747 146,754 449,111 425,760 
Other non-interest income (1)
12,764 12,271 36,962 34,357 
Total non-interest income$161,511 $159,025 $486,073 $460,117 
(1) This revenue is not within the scope of ASC 606, and includes fees relating to bond trading activities, loan fees and sales, derivative instruments, standby letters of credit and various other transactions.
Contract with Customer, Asset and Liability [Table Text Block]
The following table presents the opening and closing receivable balances for the nine month periods ended September 30, 2025 and 2024 for the Company’s significant revenue from contracts with customers.

(In thousands)September 30, 2025December 31, 2024September 30, 2024December 31, 2023
Bank card transaction fees$14,100 $17,754 $15,701 $18,069 
Trust fees2,174 2,165 2,198 1,764 
Deposit account charges and other fees7,693 7,897 6,813 6,588 
Consumer brokerage services— — — 8 
v3.25.3
Fair Value Measurements (Tables)
 9 Months Ended
Sep. 30, 2025
Fair Value Measurements [Abstract]  
Summary Of Assets And Liabilities Measured At Fair Value On A Recurring Basis
The table below presents the September 30, 2025 and December 31, 2024 carrying values of assets and liabilities measured at fair value on a recurring basis. There were no transfers among levels during the first nine months of 2025 or the year ended December 31, 2024.

Fair Value Measurements Using
(In thousands)Total Fair ValueQuoted Prices in Active Markets for Identical Assets
(Level 1)		Significant Other Observable Inputs
(Level 2)		Significant Unobservable Inputs
(Level 3)
September 30, 2025
Assets:
  Residential mortgage loans held for sale$2,163 $— $2,163 $— 
  Available for sale debt securities:
     U.S. government and federal agency obligations2,925,238 2,925,238 — — 
     Government-sponsored enterprise obligations44,746 — 44,746 — 
     State and municipal obligations695,698 — 694,738 960 
     Agency mortgage-backed securities3,291,338 — 3,291,338 — 
     Non-agency mortgage-backed securities452,424 — 452,424 — 
     Asset-backed securities1,395,349 — 1,395,349 — 
     Other debt securities193,793 — 193,793 — 
  Trading debt securities56,282 13,082 43,200 — 
  Equity securities43,365 43,365 — — 
  Private equity investments181,505 — — 181,505 
  Derivatives *61,760 — 61,566 194 
  Assets held in trust for deferred compensation plan22,789 22,789 — — 
  Total assets9,366,450 3,004,474 6,179,317 182,659 
Liabilities:
  Derivatives *
21,248 — 21,143 105 
Liabilities held in trust for deferred compensation plan
22,789 22,789 — — 
  Total liabilities$44,037 $22,789 $21,143 $105 
December 31, 2024
Assets:
  Residential mortgage loans held for sale$2,981 $— $2,981 $— 
  Available for sale debt securities:
     U.S. government and federal agency obligations2,555,252 2,555,252 — — 
     Government-sponsored enterprise obligations42,849 — 42,849 — 
     State and municipal obligations742,891 — 741,927 964 
     Agency mortgage-backed securities3,444,891 — 3,444,891 — 
     Non-agency mortgage-backed securities568,689 — 568,689 — 
     Asset-backed securities1,557,015 — 1,557,015 — 
     Other debt securities225,266 — 225,266 — 
  Trading debt securities38,034 10,219 27,815 — 
  Equity securities48,359 48,359 — — 
  Private equity investments184,386 — — 184,386 
  Derivatives *62,648 — 62,555 93 
  Assets held in trust for deferred compensation plan21,849 21,849 — — 
  Total assets9,495,110 2,635,679 6,673,988 185,443 
Liabilities:
  Derivatives *
26,963 — 26,905 58 
Liabilities held in trust for deferred compensation plan
21,849 21,849 — — 
  Total liabilities$48,812 $21,849 $26,905 $58 
* The fair value of each class of derivative is shown in Note 11.
Summary Of Changes In Level 3 Assets And Liabilities Measured At Fair Value On A Recurring Basis
The changes in the Company's Level 3 assets and liabilities measured at fair value on a recurring basis are summarized as follows:

Fair Value Measurements Using
Significant Unobservable Inputs
(Level 3)


(In thousands)
State and Municipal Obligations
Private Equity
Investments
Total
For the three months ended September 30, 2025
Balance June 30, 2025
$950 $174,070 $175,020 
Total gains (losses) realized/unrealized:
Included in earnings— 7,953 7,953 
Included in other comprehensive income *10 — 10 
Purchases of private equity investments— 560 560 
Sale/pay down of private equity investments— (1,096)(1,096)
Capitalized interest/dividends— 18 18 
Balance September 30, 2025$960 $181,505 $182,465 
Total gains (losses) for the three months included in earnings attributable to the change in unrealized gains or losses relating to assets still held at September 30, 2025
$— $7,953 $7,953 
*Total gains (losses) for the three months included in other comprehensive income attributable to the change in unrealized gains or losses relating to assets still held at September 30, 2025
$10 $— $10 
For the nine months ended September 30, 2025
Balance January 1, 2025
$964 $184,386 $185,350 
Total gains (losses) realized/unrealized:
Included in earnings— 3,842 3,842 
Included in other comprehensive income *(6)— (6)
Discount accretion2 — 2 
Purchases of private equity investments— 6,986 6,986 
Sale/pay down of private equity investments— (13,761)(13,761)
Capitalized interest/dividends— 52 52 
Balance September 30, 2025$960 $181,505 $182,465 
Total gains (losses) for the nine months included in earnings attributable to the change in unrealized gains or losses relating to assets still held at September 30, 2025
$— $4,641 $4,641 
*Total gains (losses) for the nine months included in other comprehensive income attributable to the change in unrealized gains or losses relating to assets still held at September 30, 2025
$(6)$— $(6)
Fair Value Measurements Using
Significant Unobservable Inputs
(Level 3)


(In thousands)
State and Municipal Obligations
Private Equity
Investments
Total
For the three months ended September 30, 2024
Balance June 30, 2024
$953 $178,321 $179,274 
Total gains (losses) realized/unrealized:
Included in earnings— 7,428 7,428 
Included in other comprehensive income *(2)— (2)
Purchases of private equity investments— 375 375 
Sale/pay down of private equity investments— (15,139)(15,139)
Capitalized interest/dividends— (12)(12)
Balance at September 30, 2024$951 $170,973 $171,924 
Total gains (losses) for the three months included in earnings attributable to the change in unrealized gains or losses relating to assets still held at September 30, 2024
$— $7,428 $7,428 
*Total gains (losses) for the three months included in other comprehensive income attributable to the change in unrealized gains or losses relating to assets still held at September 30, 2024
$(2)$— $(2)
For the nine months ended September 30, 2024
Balance January 1, 2024
$947 $176,667 $177,614 
Total gains (losses) realized/unrealized:
Included in earnings— 20,205 20,205 
Included in other comprehensive income *3 — 3 
Discount accretion1 — 1 
Purchases of private equity investments— 11,322 11,322 
Sale/pay down of private equity investments— (37,103)(37,103)
Capitalized interest/dividends— (118)(118)
Balance at September 30, 2024$951 $170,973 $171,924 
Total gains (losses) for the nine months included in earnings attributable to the change in unrealized gains or losses relating to assets still held at September 30, 2024
$— $10,480 $10,480 
*Total gains (losses) for the nine months included in other comprehensive income attributable to the change in unrealized gains or losses relating to assets still held at September 30, 2024
$3 $— $3 
* Included in "net unrealized gains (losses) on available for sale debt securities" in the consolidated statements of comprehensive income.
Summary Of Gains And Losses On Level 3 Assets And Liabilities
Gains and losses included in earnings for the Company's Level 3 assets and liabilities in the previous table are reported in the following line items in the consolidated statements of income:

(In thousands)Investment Securities Gains (Losses), Net
For the three months ended September 30, 2025
Total gains or losses included in earnings$7,953 
Change in unrealized gains or losses relating to assets still held at September 30, 2025
$7,953 
For the nine months ended September 30, 2025
Total gains or losses included in earnings $3,842 
Change in unrealized gains or losses relating to assets still held at September 30, 2025
$4,641 
For the three months ended September 30, 2024
Total gains or losses included in earnings $7,428 
Change in unrealized gains or losses relating to assets still held at September 30, 2024
$7,428 
For the nine months ended September 30, 2024
Total gains or losses included in earnings$20,205 
Change in unrealized gains or losses relating to assets still held at September 30, 2024
$10,480 
Summary Of Quantitative Information About Level 3 Fair Value Measurements
The Company's Level 3 measurements at September 30, 2025, which employ unobservable inputs that are readily quantifiable, pertain to investments in portfolio concerns held by the Company's private equity subsidiaries. Information about these inputs is presented in the table below.

Quantitative Information about Level 3 Fair Value MeasurementsWeighted
Valuation TechniqueUnobservable InputRangeAverage*
Private equity investmentsMarket comparable companiesEBITDA multiple3.8-6.05.0
* Unobservable inputs were weighted by the relative fair value of the instruments.
Schedule Of Fair Value Disclosures Measured On Nonrecurring Basis [Table Text Block]
For assets measured at fair value on a nonrecurring basis during the first nine months of 2025 and 2024, and still held as of September 30, 2025 and 2024, the following table provides the adjustments to fair value recognized during the respective periods, the level of valuation inputs used to determine each adjustment, and the carrying value of the related individual assets or portfolios at September 30, 2025 and 2024.

Fair Value Measurements Using
(In thousands)

Fair Value
Quoted Prices in Active Markets for Identical Assets
(Level 1)
Significant Other Observable Inputs
(Level 2)
Significant Unobservable Inputs
(Level 3)
Total Gains (Losses) Recognized During the Nine Months Ended September 30
September 30, 2025
Collateral dependent loans$249 $— $— $249 $(435)
 Long-lived assets301 — — 301 (99)
September 30, 2024
Collateral dependent loans$14,872 $— $— $14,872 $(2,646)
v3.25.3
Fair Value Of Financial Instruments (Tables)
 9 Months Ended
Sep. 30, 2025
Fair Value Of Financial Instruments [Abstract]  
Fair value of financial instruments [Table Text Block]
The estimated fair values of the Company’s financial instruments and the classification of their fair value measurement within the valuation hierarchy are as follows at September 30, 2025 and December 31, 2024:

Carrying Amount
Estimated Fair Value at September 30, 2025

(In thousands)

Level 1Level 2Level 3Total
Financial Assets
Loans:
Business$6,414,792 $— $— $6,342,647 $6,342,647 
Real estate - construction and land
1,433,652 — — 1,410,678 1,410,678 
Real estate - business
3,745,000 — — 3,693,145 3,693,145 
Real estate - personal
3,070,980 — — 2,810,106 2,810,106 
Consumer
2,171,599 — — 2,160,896 2,160,896 
Revolving home equity364,241 — — 361,245 361,245 
Consumer credit card575,317 — — 520,076 520,076 
Overdrafts
11,186 — — 11,070 11,070 
Total loans17,786,767 — — 17,309,863 17,309,863 
Loans held for sale2,538 — 2,538 — 2,538 
Investment securities9,325,663 2,981,685 6,115,588 228,390 9,325,663 
Securities purchased under agreements to resell850,000 — — 872,979 872,979 
Interest earning deposits with banks2,477,668 2,477,668 — — 2,477,668 
Cash and due from banks476,441 476,441 — — 476,441 
Derivative instruments61,760 — 61,566 194 61,760 
Assets held in trust for deferred compensation plan22,789 22,789 — — 22,789 
       Total$31,003,626 $5,958,583 $6,179,692 $18,411,426 $30,549,701 
Financial Liabilities
Non-interest bearing deposits$7,489,645 $7,489,645 $— $— $7,489,645 
Savings, interest checking and money market deposits15,551,799 15,551,799 — — 15,551,799 
Certificates of deposit2,416,605 — — 2,444,873 2,444,873 
Federal funds purchased137,660 137,660 — — 137,660 
Securities sold under agreements to repurchase2,335,405 — — 2,338,259 2,338,259 
Other borrowings9,203 7,908 1,295 — 9,203 
Derivative instruments21,248 — 21,143 105 21,248 
Liabilities held in trust for deferred compensation plan22,789 22,789 — — 22,789 
       Total$27,984,354 $23,209,801 $22,438 $4,783,237 $28,015,476 
Carrying Amount
Estimated Fair Value at December 31, 2024

(In thousands)
Level 1Level 2Level 3Total
Financial Assets
Loans:
Business$6,053,820 $— $— $5,943,565 $5,943,565 
Real estate - construction and land
1,409,901 — — 1,384,029 1,384,029 
Real estate - business
3,661,218 — — 3,558,862 3,558,862 
Real estate - personal
3,058,195 — — 2,738,880 2,738,880 
Consumer
2,073,123 — — 2,053,191 2,053,191 
Revolving home equity356,650 — — 353,731 353,731 
Consumer credit card595,930 — — 549,874 549,874 
Overdrafts
11,266 — — 11,120 11,120 
Total loans17,220,103 — — 16,593,252 16,593,252 
Loans held for sale3,242 — 3,242 — 3,242 
Investment securities9,453,297 2,613,830 6,608,452 231,015 9,453,297 
Federal funds sold3,000 3,000 — — 3,000 
Securities purchased under agreements to resell625,000 — — 622,021 622,021 
Interest earning deposits with banks2,624,553 2,624,553 — — 2,624,553 
Cash and due from banks748,357 748,357 — — 748,357 
Derivative instruments62,648 — 62,555 93 62,648 
Assets held in trust for deferred compensation plan21,849 21,849 — — 21,849 
       Total$30,762,049 $6,011,589 $6,674,249 $17,446,381 $30,132,219 
Financial Liabilities
Non-interest bearing deposits$8,150,669 $8,150,669 $— $— $8,150,669 
Savings, interest checking and money market deposits14,754,571 14,754,571 — — 14,754,571 
Certificates of deposit2,388,404 — — 2,409,537 2,409,537 
Federal funds purchased123,715 123,715 — — 123,715 
Securities sold under agreements to repurchase2,803,043 — — 2,806,428 2,806,428 
Derivative instruments26,963 — 26,905 58 26,963 
Liabilities held in trust for deferred compensation plan21,849 21,849 — — 21,849 
       Total$28,269,214 $23,050,804 $26,905 $5,216,023 $28,293,732 
v3.25.3
Loans And Allowance For Credit Losses (Narrative) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Dec. 31, 2024
Financing Receivable, Allowance for Credit Loss [Line Items]          
Pledged Financial Instruments, Not Separately Reported, Loans Receivable, for Federal Home Loan Bank Debt $ 3,500,000   $ 3,500,000    
Pledged Financial Instruments, Not Separately Reported, Loans Receivable, for Federal Reserve Bank Debt 2,700,000   2,700,000    
Financing Receivable, Nonaccrual, No Allowance 0   0   $ 2,000
Commitments to lend additional funds to customers with restructured loans 13,000   $ 13,000   14,900
Period after which loans are deemed in default (in days)     90 days    
Residential mortgage loans held for sale 2,163   $ 2,163   2,981
Unpaid Principal Balance on Personal Real Estate Loans Held for Sale 2,100   2,100    
HFS Loans on non accrual status 0   0    
HFS loans 90 days past due and still accruing 0   0    
Foreclosed real estate 790   790   343
Residential Real Estate Acquired Through Foreclosure through Obtaining Physical Possession 790   790   343
Personal property acquired in repossession 2,600   2,600   2,200
Loans Receivable          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Accrued Interest Receivable 73,700   73,700   70,600
Accrued Interest Receivable 73,700   73,700   $ 70,600
Commercial Portfolio Segment [Member]          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Financing Receivable, Accrued Interest, Writeoff 63 $ 56 266 $ 491  
Personal Banking Portfolio Segment [Member]          
Financing Receivable, Allowance for Credit Loss [Line Items]          
Financing Receivable, Accrued Interest, Writeoff $ 1,500 $ 1,500 $ 4,800 $ 4,600  
v3.25.3
Loans And Allowance For Credit Losses (Summary Classification Of Held To Maturity Loan Portfolio) (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Loans And Allowance For Loan Losses [Line Items]    
Total $ 17,786,767 $ 17,220,103
Commercial Portfolio Segment [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Total 11,593,444 11,124,939
Personal Banking Portfolio Segment [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Total 6,193,323 6,095,164
Business Loan [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Total 6,414,792 6,053,820
Business Loan [Member] | Commercial Portfolio Segment [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Total 6,414,792 6,053,820
Real estate - construction and land    
Loans And Allowance For Loan Losses [Line Items]    
Total 1,433,652 1,409,901
Real estate - construction and land | Commercial Portfolio Segment [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Total 1,433,652 1,409,901
Business Real Estate Loan [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Total 3,745,000 3,661,218
Business Real Estate Loan [Member] | Commercial Portfolio Segment [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Total 3,745,000 3,661,218
Personal Real Estate Loan [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Total 3,070,980 3,058,195
Personal Real Estate Loan [Member] | Personal Banking Portfolio Segment [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Total 3,070,980 3,058,195
Consumer Loan [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Total 2,171,599 2,073,123
Consumer Loan [Member] | Personal Banking Portfolio Segment [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Total 2,171,599 2,073,123
Revolving home equity    
Loans And Allowance For Loan Losses [Line Items]    
Total 364,241 356,650
Revolving home equity | Personal Banking Portfolio Segment [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Total 364,241 356,650
Credit Card Receivable [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Total 575,317 595,930
Credit Card Receivable [Member] | Personal Banking Portfolio Segment [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Total 575,317 595,930
Overdrafts    
Loans And Allowance For Loan Losses [Line Items]    
Total 11,186 11,266
Overdrafts | Personal Banking Portfolio Segment [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Total $ 11,186 $ 11,266
v3.25.3
Loans And Allowance For Credit Losses (Summary of Activity in the Allowance for Credit Losses) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Allowance for Credit Loss, Beginning Balance $ 165,260 $ 158,557 $ 162,742 $ 162,395
Provision for credit losses on loans 20,739 11,861 43,753 26,657
Loans charged off 12,628 11,757 37,946 34,790
Recoveries on Loans 2,300 2,178 7,122 6,577
Net loan charge-offs (recoveries) 10,328 9,579 30,824 28,213
Allowance for Credit Loss, Ending Balance 175,671 160,839 175,671 160,839
Liability for Unfunded Lending Commitments, Beginning Balance 16,005 20,705 18,935 25,246
Provision for credit losses on unfunded lending commitments (678) (2,721) (3,608) (7,262)
Liability for Unfunded Lending Commitments, Ending Balance 15,327 17,984 15,327 17,984
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LIABILITY FOR UNFUNDED LENDING COMMITMENTS 190,998 178,823 190,998 178,823
Commercial Portfolio Segment [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Allowance for Credit Loss, Beginning Balance 106,854 107,217 106,769 108,201
Provision for credit losses on loans 6,873 (63) 7,412 (551)
Loans charged off 889 362 2,110 1,528
Recoveries on Loans 86 255 853 925
Net loan charge-offs (recoveries) 803 107 1,257 603
Allowance for Credit Loss, Ending Balance 112,924 107,047 112,924 107,047
Liability for Unfunded Lending Commitments, Beginning Balance 14,771 19,363 17,887 23,909
Provision for credit losses on unfunded lending commitments (756) (2,715) (3,872) (7,261)
Liability for Unfunded Lending Commitments, Ending Balance 14,015 16,648 14,015 16,648
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LIABILITY FOR UNFUNDED LENDING COMMITMENTS 126,939 123,695 126,939 123,695
Personal Banking Portfolio Segment [Member]        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Allowance for Credit Loss, Beginning Balance 58,406 51,340 55,973 54,194
Provision for credit losses on loans 13,866 11,924 36,341 27,208
Loans charged off 11,739 11,395 35,836 33,262
Recoveries on Loans 2,214 1,923 6,269 5,652
Net loan charge-offs (recoveries) 9,525 9,472 29,567 27,610
Allowance for Credit Loss, Ending Balance 62,747 53,792 62,747 53,792
Liability for Unfunded Lending Commitments, Beginning Balance 1,234 1,342 1,048 1,337
Provision for credit losses on unfunded lending commitments 78 (6) 264 (1)
Liability for Unfunded Lending Commitments, Ending Balance 1,312 1,336 1,312 1,336
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LIABILITY FOR UNFUNDED LENDING COMMITMENTS $ 64,059 $ 55,128 $ 64,059 $ 55,128
v3.25.3
Loans And Allowance For Credit Losses (Aging Information On Past Due And Accruing Loans) (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Loans And Allowance For Loan Losses [Line Items]    
Current or Less than 30 Days Past Due $ 17,697,236 $ 17,093,789
30 - 89 Days Past Due 51,742 83,520
90 Days Past Due and Still Accruing 21,536 24,516
Non-accrual loans 16,253 18,278
Total 17,786,767 17,220,103
Business Loan [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Total 6,414,792 6,053,820
Real estate - construction and land    
Loans And Allowance For Loan Losses [Line Items]    
Total 1,433,652 1,409,901
Business Real Estate Loan [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Total 3,745,000 3,661,218
Personal Real Estate Loan [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Total 3,070,980 3,058,195
Consumer Loan [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Total 2,171,599 2,073,123
Revolving home equity    
Loans And Allowance For Loan Losses [Line Items]    
Total 364,241 356,650
Credit Card Receivable [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Total 575,317 595,930
Overdrafts    
Loans And Allowance For Loan Losses [Line Items]    
Total 11,186 11,266
Commercial Portfolio Segment [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Total 11,593,444 11,124,939
Commercial Portfolio Segment [Member] | Business Loan [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Current or Less than 30 Days Past Due 6,407,415 6,051,654
30 - 89 Days Past Due 6,323 1,501
90 Days Past Due and Still Accruing 799 564
Non-accrual loans 255 101
Total 6,414,792 6,053,820
Commercial Portfolio Segment [Member] | Real estate - construction and land    
Loans And Allowance For Loan Losses [Line Items]    
Current or Less than 30 Days Past Due 1,433,078 1,409,681
30 - 89 Days Past Due 383 0
90 Days Past Due and Still Accruing 0 0
Non-accrual loans 191 220
Total 1,433,652 1,409,901
Commercial Portfolio Segment [Member] | Business Real Estate Loan [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Current or Less than 30 Days Past Due 3,727,793 3,640,643
30 - 89 Days Past Due 2,267 5,621
90 Days Past Due and Still Accruing 0 0
Non-accrual loans 14,940 14,954
Total 3,745,000 3,661,218
Personal Banking Portfolio Segment [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Total 6,193,323 6,095,164
Personal Banking Portfolio Segment [Member] | Personal Real Estate Loan [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Current or Less than 30 Days Past Due 3,054,874 3,021,017
30 - 89 Days Past Due 5,573 25,267
90 Days Past Due and Still Accruing 9,666 10,885
Non-accrual loans 867 1,026
Total 3,070,980 3,058,195
Personal Banking Portfolio Segment [Member] | Consumer Loan [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Current or Less than 30 Days Past Due 2,140,052 2,029,115
30 - 89 Days Past Due 28,754 40,398
90 Days Past Due and Still Accruing 2,793 3,610
Non-accrual loans 0 0
Total 2,171,599 2,073,123
Personal Banking Portfolio Segment [Member] | Revolving home equity    
Loans And Allowance For Loan Losses [Line Items]    
Current or Less than 30 Days Past Due 362,863 351,056
30 - 89 Days Past Due 760 2,798
90 Days Past Due and Still Accruing 618 819
Non-accrual loans 0 1,977
Total 364,241 356,650
Personal Banking Portfolio Segment [Member] | Credit Card Receivable [Member]    
Loans And Allowance For Loan Losses [Line Items]    
Current or Less than 30 Days Past Due 560,209 579,670
30 - 89 Days Past Due 7,448 7,622
90 Days Past Due and Still Accruing 7,660 8,638
Non-accrual loans 0 0
Total 575,317 595,930
Personal Banking Portfolio Segment [Member] | Overdrafts    
Loans And Allowance For Loan Losses [Line Items]    
Current or Less than 30 Days Past Due 10,952 10,953
30 - 89 Days Past Due 234 313
90 Days Past Due and Still Accruing 0 0
Non-accrual loans 0 0
Total $ 11,186 $ 11,266
v3.25.3
Loans And Allowance For Credit Losses (Credit Quality Indicators Commercial Loan Portfolio) (Details) - USD ($)
$ in Thousands
 9 Months Ended 12 Months Ended
Sep. 30, 2025
Dec. 31, 2024
Credit Quality Indicator [Line Items]    
Total $ 17,786,767 $ 17,220,103
Business Loan [Member]    
Credit Quality Indicator [Line Items]    
Total 6,414,792 6,053,820
Real estate - construction and land    
Credit Quality Indicator [Line Items]    
Total 1,433,652 1,409,901
Business Real Estate Loan [Member]    
Credit Quality Indicator [Line Items]    
Total 3,745,000 3,661,218
Commercial Portfolio Segment [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 2,648,181 2,697,978
Fiscal Year before Current Fiscal Year 1,914,137 2,043,809
Two Years before Current Fiscal Year 1,457,939 1,878,607
Three Years before Current Fiscal Year 1,419,047 947,349
Four Years before Current Fiscal Year 706,186 537,261
Prior 954,784 837,905
Revolving Loans Amortized Cost Basis 2,493,170 2,182,030
Total 11,593,444 11,124,939
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff 0 200
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 368 275
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 516 40
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 165 53
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 10 80
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 1,051 1,387
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff 2,110 2,035
Commercial Portfolio Segment [Member] | Business Loan [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 1,325,954 1,521,094
Fiscal Year before Current Fiscal Year 980,417 970,070
Two Years before Current Fiscal Year 634,223 624,768
Three Years before Current Fiscal Year 462,602 414,893
Four Years before Current Fiscal Year 284,396 149,674
Prior 383,389 362,309
Revolving Loans Amortized Cost Basis 2,343,811 2,011,012
Total 6,414,792 6,053,820
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff 0 200
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 344 275
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 116 40
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 165 53
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 10 18
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 1,051 1,387
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff 1,686 1,973
Commercial Portfolio Segment [Member] | Real estate - construction and land    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 332,499 419,782
Fiscal Year before Current Fiscal Year 328,512 445,383
Two Years before Current Fiscal Year 400,580 451,606
Three Years before Current Fiscal Year 323,360 53,462
Four Years before Current Fiscal Year 22,317 3,143
Prior 3,090 2,450
Revolving Loans Amortized Cost Basis 23,294 34,075
Total 1,433,652 1,409,901
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 24 0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff 24 0
Commercial Portfolio Segment [Member] | Business Real Estate Loan [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 989,728 757,102
Fiscal Year before Current Fiscal Year 605,208 628,356
Two Years before Current Fiscal Year 423,136 802,233
Three Years before Current Fiscal Year 633,085 478,994
Four Years before Current Fiscal Year 399,473 384,444
Prior 568,305 473,146
Revolving Loans Amortized Cost Basis 126,065 136,943
Total 3,745,000 3,661,218
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 400 0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 0 62
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff 400 62
Commercial Portfolio Segment [Member] | Pass [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 2,603,314 2,680,359
Fiscal Year before Current Fiscal Year 1,860,749 2,004,105
Two Years before Current Fiscal Year 1,417,151 1,801,310
Three Years before Current Fiscal Year 1,331,809 907,172
Four Years before Current Fiscal Year 663,880 515,343
Prior 870,750 720,906
Revolving Loans Amortized Cost Basis 2,318,537 2,051,539
Total 11,066,190 10,680,734
Commercial Portfolio Segment [Member] | Pass [Member] | Business Loan [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 1,319,194 1,505,299
Fiscal Year before Current Fiscal Year 974,365 956,449
Two Years before Current Fiscal Year 624,134 596,681
Three Years before Current Fiscal Year 441,379 405,669
Four Years before Current Fiscal Year 275,042 148,483
Prior 380,683 350,106
Revolving Loans Amortized Cost Basis 2,176,145 1,887,596
Total 6,190,942 5,850,283
Commercial Portfolio Segment [Member] | Pass [Member] | Real estate - construction and land    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 318,318 419,562
Fiscal Year before Current Fiscal Year 328,321 442,720
Two Years before Current Fiscal Year 398,141 451,606
Three Years before Current Fiscal Year 297,506 53,462
Four Years before Current Fiscal Year 4,069 3,143
Prior 3,090 2,450
Revolving Loans Amortized Cost Basis 23,294 34,075
Total 1,372,739 1,407,018
Commercial Portfolio Segment [Member] | Pass [Member] | Business Real Estate Loan [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 965,802 755,498
Fiscal Year before Current Fiscal Year 558,063 604,936
Two Years before Current Fiscal Year 394,876 753,023
Three Years before Current Fiscal Year 592,924 448,041
Four Years before Current Fiscal Year 384,769 363,717
Prior 486,977 368,350
Revolving Loans Amortized Cost Basis 119,098 129,868
Total 3,502,509 3,423,433
Commercial Portfolio Segment [Member] | Special Mention [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 44,549 13,900
Fiscal Year before Current Fiscal Year 50,330 7,978
Two Years before Current Fiscal Year 8,408 21,324
Three Years before Current Fiscal Year 42,669 16,679
Four Years before Current Fiscal Year 2,281 1,906
Prior 4,161 2,363
Revolving Loans Amortized Cost Basis 85,113 34,997
Total 237,511 99,147
Commercial Portfolio Segment [Member] | Special Mention [Member] | Business Loan [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 6,442 13,576
Fiscal Year before Current Fiscal Year 4,184 7,978
Two Years before Current Fiscal Year 5,587 8,941
Three Years before Current Fiscal Year 3,955 4,155
Four Years before Current Fiscal Year 1,301 263
Prior 1,738 2,065
Revolving Loans Amortized Cost Basis 85,100 34,997
Total 108,307 71,975
Commercial Portfolio Segment [Member] | Special Mention [Member] | Real estate - construction and land    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 14,181 0
Fiscal Year before Current Fiscal Year 0 0
Two Years before Current Fiscal Year 0 0
Three Years before Current Fiscal Year 25,854 0
Four Years before Current Fiscal Year 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 0 0
Total 40,035 0
Commercial Portfolio Segment [Member] | Special Mention [Member] | Business Real Estate Loan [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 23,926 324
Fiscal Year before Current Fiscal Year 46,146 0
Two Years before Current Fiscal Year 2,821 12,383
Three Years before Current Fiscal Year 12,860 12,524
Four Years before Current Fiscal Year 980 1,643
Prior 2,423 298
Revolving Loans Amortized Cost Basis 13 0
Total 89,169 27,172
Commercial Portfolio Segment [Member] | Substandard [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 318 3,498
Fiscal Year before Current Fiscal Year 2,774 31,679
Two Years before Current Fiscal Year 32,075 55,802
Three Years before Current Fiscal Year 44,445 23,498
Four Years before Current Fiscal Year 39,861 5,344
Prior 65,364 114,468
Revolving Loans Amortized Cost Basis 89,520 95,494
Total 274,357 329,783
Commercial Portfolio Segment [Member] | Substandard [Member] | Business Loan [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 318 2,218
Fiscal Year before Current Fiscal Year 1,775 5,596
Two Years before Current Fiscal Year 4,341 19,145
Three Years before Current Fiscal Year 17,268 5,069
Four Years before Current Fiscal Year 8,053 928
Prior 967 10,086
Revolving Loans Amortized Cost Basis 82,566 88,419
Total 115,288 131,461
Commercial Portfolio Segment [Member] | Substandard [Member] | Real estate - construction and land    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 0 0
Fiscal Year before Current Fiscal Year 0 2,663
Two Years before Current Fiscal Year 2,439 0
Three Years before Current Fiscal Year 0 0
Four Years before Current Fiscal Year 18,248 0
Prior 0 0
Revolving Loans Amortized Cost Basis 0 0
Total 20,687 2,663
Commercial Portfolio Segment [Member] | Substandard [Member] | Business Real Estate Loan [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 0 1,280
Fiscal Year before Current Fiscal Year 999 23,420
Two Years before Current Fiscal Year 25,295 36,657
Three Years before Current Fiscal Year 27,177 18,429
Four Years before Current Fiscal Year 13,560 4,416
Prior 64,397 104,382
Revolving Loans Amortized Cost Basis 6,954 7,075
Total 138,382 195,659
Commercial Portfolio Segment [Member] | Non-Accrual [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 0 221
Fiscal Year before Current Fiscal Year 284 47
Two Years before Current Fiscal Year 305 171
Three Years before Current Fiscal Year 124 0
Four Years before Current Fiscal Year 164 14,668
Prior 14,509 168
Revolving Loans Amortized Cost Basis 0 0
Total 15,386 15,275
Commercial Portfolio Segment [Member] | Non-Accrual [Member] | Business Loan [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 0 1
Fiscal Year before Current Fiscal Year 93 47
Two Years before Current Fiscal Year 161 1
Three Years before Current Fiscal Year 0 0
Four Years before Current Fiscal Year 0 0
Prior 1 52
Revolving Loans Amortized Cost Basis 0 0
Total 255 101
Commercial Portfolio Segment [Member] | Non-Accrual [Member] | Real estate - construction and land    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 0 220
Fiscal Year before Current Fiscal Year 191 0
Two Years before Current Fiscal Year 0 0
Three Years before Current Fiscal Year 0 0
Four Years before Current Fiscal Year 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 0 0
Total 191 220
Commercial Portfolio Segment [Member] | Non-Accrual [Member] | Business Real Estate Loan [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 0 0
Fiscal Year before Current Fiscal Year 0 0
Two Years before Current Fiscal Year 144 170
Three Years before Current Fiscal Year 124 0
Four Years before Current Fiscal Year 164 14,668
Prior 14,508 116
Revolving Loans Amortized Cost Basis 0 0
Total $ 14,940 $ 14,954
v3.25.3
Loans And Allowance for Credit Losses (Credit Quality Indicators Personal Banking Loan Portfolio) (Details) - USD ($)
$ in Thousands
 9 Months Ended 12 Months Ended
Sep. 30, 2025
Dec. 31, 2024
Credit Quality Indicator [Line Items]    
Total $ 17,786,767 $ 17,220,103
Personal Real Estate Loan [Member]    
Credit Quality Indicator [Line Items]    
Total 3,070,980 3,058,195
Consumer Loan [Member]    
Credit Quality Indicator [Line Items]    
Total 2,171,599 2,073,123
Revolving home equity    
Credit Quality Indicator [Line Items]    
Total 364,241 356,650
Credit Card Receivable [Member]    
Credit Quality Indicator [Line Items]    
Total 575,317 595,930
Overdrafts    
Credit Quality Indicator [Line Items]    
Total 11,186 11,266
Personal Banking Portfolio Segment [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 715,986 818,417
Fiscal Year before Current Fiscal Year 620,728 758,825
Two Years before Current Fiscal Year 625,855 634,706
Three Years before Current Fiscal Year 526,526 649,974
Four Years before Current Fiscal Year 555,350 712,656
Prior 1,317,560 790,211
Revolving Loans Amortized Cost Basis 1,831,318 1,730,375
Total 6,193,323 6,095,164
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff 2,199 4,127
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 2,931 3,191
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 2,493 2,974
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 1,642 1,391
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 637 540
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 309 277
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 25,625 32,736
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff 35,836 45,236
Personal Banking Portfolio Segment [Member] | Personal Real Estate Loan [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 300,852 387,784
Fiscal Year before Current Fiscal Year 334,327 388,386
Two Years before Current Fiscal Year 354,500 406,111
Three Years before Current Fiscal Year 377,024 484,731
Four Years before Current Fiscal Year 451,052 640,295
Prior 1,244,754 739,954
Revolving Loans Amortized Cost Basis 8,471 10,934
Total 3,070,980 3,058,195
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 47 82
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 65 115
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 228 83
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 48 0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 29 22
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff 417 302
Personal Banking Portfolio Segment [Member] | Consumer Loan [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 403,948 419,367
Fiscal Year before Current Fiscal Year 286,401 370,439
Two Years before Current Fiscal Year 271,355 228,595
Three Years before Current Fiscal Year 149,502 165,243
Four Years before Current Fiscal Year 104,298 72,361
Prior 72,806 50,257
Revolving Loans Amortized Cost Basis 883,289 766,861
Total 2,171,599 2,073,123
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff 325 1,438
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 2,884 3,109
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 2,428 2,859
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 1,414 1,308
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 589 540
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 280 255
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 1,508 2,309
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff 9,428 11,818
Personal Banking Portfolio Segment [Member] | Revolving home equity    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 0 0
Fiscal Year before Current Fiscal Year 0 0
Two Years before Current Fiscal Year 0 0
Three Years before Current Fiscal Year 0 0
Four Years before Current Fiscal Year 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 364,241 356,650
Total 364,241 356,650
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 15 0
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff 15 0
Personal Banking Portfolio Segment [Member] | Credit Card Receivable [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 0 0
Fiscal Year before Current Fiscal Year 0 0
Two Years before Current Fiscal Year 0 0
Three Years before Current Fiscal Year 0 0
Four Years before Current Fiscal Year 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 575,317 595,930
Total 575,317 595,930
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 24,102 30,427
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff 24,102 30,427
Personal Banking Portfolio Segment [Member] | Overdrafts    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 11,186 11,266
Fiscal Year before Current Fiscal Year 0 0
Two Years before Current Fiscal Year 0 0
Three Years before Current Fiscal Year 0 0
Four Years before Current Fiscal Year 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 0 0
Total 11,186 11,266
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff 1,874 2,689
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 0 0
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff 1,874 2,689
Personal Banking Portfolio Segment [Member] | Current to 90 Days Past Due    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 715,896 817,287
Fiscal Year before Current Fiscal Year 620,164 757,341
Two Years before Current Fiscal Year 625,043 632,869
Three Years before Current Fiscal Year 524,349 647,763
Four Years before Current Fiscal Year 553,541 709,429
Prior 1,311,266 786,107
Revolving Loans Amortized Cost Basis 1,821,460 1,717,413
Total 6,171,719 6,068,209
Personal Banking Portfolio Segment [Member] | Current to 90 Days Past Due | Personal Real Estate Loan [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 300,852 387,119
Fiscal Year before Current Fiscal Year 334,177 387,486
Two Years before Current Fiscal Year 353,865 404,680
Three Years before Current Fiscal Year 375,031 482,733
Four Years before Current Fiscal Year 449,366 637,115
Prior 1,238,685 736,217
Revolving Loans Amortized Cost Basis 8,471 10,934
Total 3,060,447 3,046,284
Personal Banking Portfolio Segment [Member] | Current to 90 Days Past Due | Consumer Loan [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 403,858 418,902
Fiscal Year before Current Fiscal Year 285,987 369,855
Two Years before Current Fiscal Year 271,178 228,189
Three Years before Current Fiscal Year 149,318 165,030
Four Years before Current Fiscal Year 104,175 72,314
Prior 72,581 49,890
Revolving Loans Amortized Cost Basis 881,709 765,333
Total 2,168,806 2,069,513
Personal Banking Portfolio Segment [Member] | Current to 90 Days Past Due | Revolving home equity    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 0 0
Fiscal Year before Current Fiscal Year 0 0
Two Years before Current Fiscal Year 0 0
Three Years before Current Fiscal Year 0 0
Four Years before Current Fiscal Year 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 363,623 353,854
Total 363,623 353,854
Personal Banking Portfolio Segment [Member] | Current to 90 Days Past Due | Credit Card Receivable [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 0 0
Fiscal Year before Current Fiscal Year 0 0
Two Years before Current Fiscal Year 0 0
Three Years before Current Fiscal Year 0 0
Four Years before Current Fiscal Year 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 567,657 587,292
Total 567,657 587,292
Personal Banking Portfolio Segment [Member] | Current to 90 Days Past Due | Overdrafts    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 11,186 11,266
Fiscal Year before Current Fiscal Year 0 0
Two Years before Current Fiscal Year 0 0
Three Years before Current Fiscal Year 0 0
Four Years before Current Fiscal Year 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 0 0
Total 11,186 11,266
Personal Banking Portfolio Segment [Member] | Over 90 days past due    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 90 1,130
Fiscal Year before Current Fiscal Year 564 1,476
Two Years before Current Fiscal Year 812 1,837
Three Years before Current Fiscal Year 2,177 2,103
Four Years before Current Fiscal Year 1,705 3,227
Prior 5,531 3,194
Revolving Loans Amortized Cost Basis 9,858 10,985
Total 20,737 23,952
Personal Banking Portfolio Segment [Member] | Over 90 days past due | Personal Real Estate Loan [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 0 665
Fiscal Year before Current Fiscal Year 150 892
Two Years before Current Fiscal Year 635 1,431
Three Years before Current Fiscal Year 1,993 1,890
Four Years before Current Fiscal Year 1,582 3,180
Prior 5,306 2,827
Revolving Loans Amortized Cost Basis 0 0
Total 9,666 10,885
Personal Banking Portfolio Segment [Member] | Over 90 days past due | Consumer Loan [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 90 465
Fiscal Year before Current Fiscal Year 414 584
Two Years before Current Fiscal Year 177 406
Three Years before Current Fiscal Year 184 213
Four Years before Current Fiscal Year 123 47
Prior 225 367
Revolving Loans Amortized Cost Basis 1,580 1,528
Total 2,793 3,610
Personal Banking Portfolio Segment [Member] | Over 90 days past due | Revolving home equity    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 0 0
Fiscal Year before Current Fiscal Year 0 0
Two Years before Current Fiscal Year 0 0
Three Years before Current Fiscal Year 0 0
Four Years before Current Fiscal Year 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 618 819
Total 618 819
Personal Banking Portfolio Segment [Member] | Over 90 days past due | Credit Card Receivable [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 0 0
Fiscal Year before Current Fiscal Year 0 0
Two Years before Current Fiscal Year 0 0
Three Years before Current Fiscal Year 0 0
Four Years before Current Fiscal Year 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 7,660 8,638
Total 7,660 8,638
Personal Banking Portfolio Segment [Member] | Non-Accrual [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 0 0
Fiscal Year before Current Fiscal Year 0 8
Two Years before Current Fiscal Year 0 0
Three Years before Current Fiscal Year 0 108
Four Years before Current Fiscal Year 104 0
Prior 763 910
Revolving Loans Amortized Cost Basis 0 1,977
Total 867 3,003
Personal Banking Portfolio Segment [Member] | Non-Accrual [Member] | Personal Real Estate Loan [Member]    
Credit Quality Indicator [Line Items]    
Current Fiscal Year 0 0
Fiscal Year before Current Fiscal Year 0 8
Two Years before Current Fiscal Year 0 0
Three Years before Current Fiscal Year 0 108
Four Years before Current Fiscal Year 104 0
Prior 763 910
Revolving Loans Amortized Cost Basis 0 0
Total $ 867 1,026
Personal Banking Portfolio Segment [Member] | Non-Accrual [Member] | Revolving home equity    
Credit Quality Indicator [Line Items]    
Current Fiscal Year   0
Fiscal Year before Current Fiscal Year   0
Two Years before Current Fiscal Year   0
Three Years before Current Fiscal Year   0
Four Years before Current Fiscal Year   0
Prior   0
Revolving Loans Amortized Cost Basis   1,977
Total   $ 1,977
v3.25.3
Loans And Allowance for Credit Losses (Collateral-Dependent Loans) (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Credit Quality Indicator [Line Items]    
Collateral Dependent Loans, Amortized Cost $ 14,508 $ 16,644
Real Estate    
Credit Quality Indicator [Line Items]    
Collateral Dependent Loans, Amortized Cost 14,508 16,644
Commercial Portfolio Segment [Member] | Business Real Estate Loan [Member]    
Credit Quality Indicator [Line Items]    
Collateral Dependent Loans, Amortized Cost 14,508 14,667
Commercial Portfolio Segment [Member] | Real Estate | Business Real Estate Loan [Member]    
Credit Quality Indicator [Line Items]    
Collateral Dependent Loans, Amortized Cost $ 14,508 14,667
Personal Banking Portfolio Segment [Member] | Revolving home equity    
Credit Quality Indicator [Line Items]    
Collateral Dependent Loans, Amortized Cost   1,977
Personal Banking Portfolio Segment [Member] | Real Estate | Revolving home equity    
Credit Quality Indicator [Line Items]    
Collateral Dependent Loans, Amortized Cost   $ 1,977
v3.25.3
Loans And Allowance For Credit Losses (Financial Impacts of Loan Modifications) (Details)
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Commercial Portfolio Segment [Member] | Business Loan [Member]        
Financial Impacts of Loan Modifications and Deferrals [Line Items]        
Financing Receivable, Modified, Weighted Average Term Increase from Modification 5 months 5 months 10 months 5 months
Commercial Portfolio Segment [Member] | Business Real Estate Loan [Member]        
Financial Impacts of Loan Modifications and Deferrals [Line Items]        
Financing Receivable, Modified, Weighted Average Term Increase from Modification 6 months 11 months 15 months 11 months
Personal Banking Portfolio Segment [Member] | Personal Real Estate Loan [Member]        
Financial Impacts of Loan Modifications and Deferrals [Line Items]        
Financing Receivable, Modified, Weighted Average Term Increase from Modification 9 months 2 months 9 months 5 months
Financing Receivable, Modified, Payment Deferral 25 years 15 years 24 years 10 years
Personal Banking Portfolio Segment [Member] | Consumer Loan [Member]        
Financial Impacts of Loan Modifications and Deferrals [Line Items]        
Financing Receivable, Modified, Payment Deferral   19 years 8 years 19 years
Financing Receivable, Interest Rate Decrease from Modification Reduced contractual interest rate from average 22% to 6%. Reduced contractual interest rate from average 21% to 6%. Reduced contractual interest rate from average 22% to 6%. Reduced contractual interest rate from average 21% to 6%.
Personal Banking Portfolio Segment [Member] | Credit Card Receivable [Member]        
Financial Impacts of Loan Modifications and Deferrals [Line Items]        
Financing Receivable, Interest Rate Decrease from Modification Reduced contractual interest rate from average 22% to 6%. Reduced contractual interest rate from average 21% to 6%. Reduced contractual interest rate from average 22% to 6%. Reduced contractual interest rate from average 21% to 6%.
v3.25.3
Loans And Allowance For Credit Losses (Modified Amortized Cost) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount $ 64,192 $ 114,645 $ 168,316 $ 184,359
Financing Receivable, Modified in Period, to Total Financing Receivables, Percentage 0.40% 0.70% 0.90% 1.10%
Extended Maturity        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount $ 61,331 $ 108,940 $ 157,564 $ 174,283
Payment Deferral        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount 1,869 4,744 8,284 7,306
Interest Rate Below Market Reduction        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount 992 961 2,468 2,726
Other Loan Restructuring        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount   0   44
Commercial Portfolio Segment [Member] | Business Loan [Member]        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount $ 42,047 $ 36,892 $ 60,984 $ 54,608
Financing Receivable, Modified in Period, to Total Financing Receivables, Percentage 0.70% 0.60% 1.00% 0.90%
Commercial Portfolio Segment [Member] | Business Loan [Member] | Extended Maturity        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount $ 42,047 $ 36,892 $ 60,984 $ 54,608
Commercial Portfolio Segment [Member] | Business Loan [Member] | Payment Deferral        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount 0 0 0 0
Commercial Portfolio Segment [Member] | Business Loan [Member] | Interest Rate Below Market Reduction        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount 0 0 0 0
Commercial Portfolio Segment [Member] | Business Loan [Member] | Other Loan Restructuring        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount   0   0
Commercial Portfolio Segment [Member] | Business Real Estate Loan [Member]        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount $ 19,253 $ 70,091 $ 96,549 $ 117,718
Financing Receivable, Modified in Period, to Total Financing Receivables, Percentage 0.50% 2.00% 2.60% 3.30%
Commercial Portfolio Segment [Member] | Business Real Estate Loan [Member] | Extended Maturity        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount $ 19,253 $ 70,091 $ 96,549 $ 117,718
Commercial Portfolio Segment [Member] | Business Real Estate Loan [Member] | Payment Deferral        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount 0 0 0 0
Commercial Portfolio Segment [Member] | Business Real Estate Loan [Member] | Interest Rate Below Market Reduction        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount 0 0 0 0
Commercial Portfolio Segment [Member] | Business Real Estate Loan [Member] | Other Loan Restructuring        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount   0   0
Personal Banking Portfolio Segment [Member] | Personal Real Estate Loan [Member]        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount $ 1,900 $ 4,066 $ 8,280 $ 6,628
Financing Receivable, Modified in Period, to Total Financing Receivables, Percentage 0.10% 0.10% 0.30% 0.20%
Personal Banking Portfolio Segment [Member] | Personal Real Estate Loan [Member] | Extended Maturity        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount $ 31 $ 42 $ 31 $ 42
Personal Banking Portfolio Segment [Member] | Personal Real Estate Loan [Member] | Payment Deferral        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount 1,869 4,024 8,249 6,586
Personal Banking Portfolio Segment [Member] | Personal Real Estate Loan [Member] | Interest Rate Below Market Reduction        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount 0 0 0 0
Personal Banking Portfolio Segment [Member] | Personal Real Estate Loan [Member] | Other Loan Restructuring        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount   0   0
Personal Banking Portfolio Segment [Member] | Consumer Loan [Member]        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount $ 19 $ 750 $ 114 $ 848
Financing Receivable, Modified in Period, to Total Financing Receivables, Percentage 0.00% 0.00% 0.00% 0.00%
Personal Banking Portfolio Segment [Member] | Consumer Loan [Member] | Extended Maturity        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount $ 0 $ 0 $ 0 $ 0
Personal Banking Portfolio Segment [Member] | Consumer Loan [Member] | Payment Deferral        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount 0 720 35 720
Personal Banking Portfolio Segment [Member] | Consumer Loan [Member] | Interest Rate Below Market Reduction        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount 19 30 79 84
Personal Banking Portfolio Segment [Member] | Consumer Loan [Member] | Other Loan Restructuring        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount   0   44
Personal Banking Portfolio Segment [Member] | Credit Card Receivable [Member]        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount $ 973 $ 931 $ 2,389 $ 2,642
Financing Receivable, Modified in Period, to Total Financing Receivables, Percentage 0.20% 0.20% 0.40% 0.50%
Personal Banking Portfolio Segment [Member] | Credit Card Receivable [Member] | Extended Maturity        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount $ 0 $ 0 $ 0 $ 0
Personal Banking Portfolio Segment [Member] | Credit Card Receivable [Member] | Payment Deferral        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount 0 0 0 0
Personal Banking Portfolio Segment [Member] | Credit Card Receivable [Member] | Interest Rate Below Market Reduction        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount $ 973 931 $ 2,389 2,642
Personal Banking Portfolio Segment [Member] | Credit Card Receivable [Member] | Other Loan Restructuring        
Financing Receivable, Troubled Debt Restructuring [Line Items]        
Financing Receivable, Modified in Period, Amount   $ 0   $ 0
v3.25.3
Loans And Allowance For Credit Losses (Amortized Cost Basis of Loans to Borrowers with Financial Difficulty with a Payment Default) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default $ 15,696 $ 17,736 $ 17,429 $ 19,180
Extended Maturity        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 14,677 14,872 14,677 14,872
Payment Deferral        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 761 2,600 2,276 3,728
Interest Rate Below Market Reduction        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 258 264 476 560
Interest/Fees Forgiven        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 0 0 0 20
Commercial Portfolio Segment [Member] | Business Loan [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 45 14,872 45 14,872
Commercial Portfolio Segment [Member] | Business Loan [Member] | Extended Maturity        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 45 14,872 45 14,872
Commercial Portfolio Segment [Member] | Business Loan [Member] | Payment Deferral        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 0 0 0 0
Commercial Portfolio Segment [Member] | Business Loan [Member] | Interest Rate Below Market Reduction        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 0 0 0 0
Commercial Portfolio Segment [Member] | Business Loan [Member] | Interest/Fees Forgiven        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 0 0 0 0
Commercial Portfolio Segment [Member] | Business Real Estate Loan [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 14,632   14,632  
Commercial Portfolio Segment [Member] | Business Real Estate Loan [Member] | Extended Maturity        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 14,632   14,632  
Commercial Portfolio Segment [Member] | Business Real Estate Loan [Member] | Payment Deferral        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 0   0  
Commercial Portfolio Segment [Member] | Business Real Estate Loan [Member] | Interest Rate Below Market Reduction        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 0   0  
Commercial Portfolio Segment [Member] | Business Real Estate Loan [Member] | Interest/Fees Forgiven        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 0   0  
Personal Banking Portfolio Segment [Member] | Personal Real Estate Loan [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 761 2,600 2,276 3,728
Personal Banking Portfolio Segment [Member] | Personal Real Estate Loan [Member] | Extended Maturity        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 0 0 0 0
Personal Banking Portfolio Segment [Member] | Personal Real Estate Loan [Member] | Payment Deferral        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 761 2,600 2,276 3,728
Personal Banking Portfolio Segment [Member] | Personal Real Estate Loan [Member] | Interest Rate Below Market Reduction        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 0 0 0 0
Personal Banking Portfolio Segment [Member] | Personal Real Estate Loan [Member] | Interest/Fees Forgiven        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 0 0 0 0
Personal Banking Portfolio Segment [Member] | Consumer Loan [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 1 13 25 24
Personal Banking Portfolio Segment [Member] | Consumer Loan [Member] | Extended Maturity        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 0 0 0 0
Personal Banking Portfolio Segment [Member] | Consumer Loan [Member] | Payment Deferral        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 0 0 0 0
Personal Banking Portfolio Segment [Member] | Consumer Loan [Member] | Interest Rate Below Market Reduction        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 1 13 25 24
Personal Banking Portfolio Segment [Member] | Consumer Loan [Member] | Interest/Fees Forgiven        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 0 0 0 0
Personal Banking Portfolio Segment [Member] | Credit Card Receivable [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 257 251 451 556
Personal Banking Portfolio Segment [Member] | Credit Card Receivable [Member] | Extended Maturity        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 0 0 0 0
Personal Banking Portfolio Segment [Member] | Credit Card Receivable [Member] | Payment Deferral        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 0 0 0 0
Personal Banking Portfolio Segment [Member] | Credit Card Receivable [Member] | Interest Rate Below Market Reduction        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default 257 251 451 536
Personal Banking Portfolio Segment [Member] | Credit Card Receivable [Member] | Interest/Fees Forgiven        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Financing Receivable, Modified, Subsequent Default $ 0 $ 0 $ 0 $ 20
v3.25.3
Loans And Allowance For Credit Losses (Amortized Cost Basis of Loans Modified After Adoption of ASU 2022-02) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Current $ 188,669 $ 167,722 $ 188,669 $ 167,722
Financing Receivable, Modified in Period, Thirty to Eighty Nine Days Past Due 1,357 1,765 1,357 1,765
Financing Receivable, Modified in Period, Ninety Days Past Due 15,696 17,722 15,696 17,722
Financing Receivable, Modified in Period, Amount 205,722 187,209 205,722 187,209
Financing Receivable, Modified in Period, Amount $ 64,192 $ 114,645 $ 168,316 $ 184,359
Financing Receivable, Modified in Period, to Total Financing Receivables, Percentage 0.40% 0.70% 0.90% 1.10%
Extended Maturity        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount $ 61,331 $ 108,940 $ 157,564 $ 174,283
Payment Deferral        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount 1,869 4,744 8,284 7,306
Interest Rate Below Market Reduction        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount 992 961 2,468 2,726
Other Loan Restructuring        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount   0   44
Commercial Portfolio Segment [Member] | Business Loan [Member]        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Current 88,589 56,517 88,589 56,517
Financing Receivable, Modified in Period, Thirty to Eighty Nine Days Past Due 0 86 0 86
Financing Receivable, Modified in Period, Ninety Days Past Due 45 0 45 0
Financing Receivable, Modified in Period, Amount 88,634 56,603 88,634 56,603
Financing Receivable, Modified in Period, Amount $ 42,047 $ 36,892 $ 60,984 $ 54,608
Financing Receivable, Modified in Period, to Total Financing Receivables, Percentage 0.70% 0.60% 1.00% 0.90%
Commercial Portfolio Segment [Member] | Business Loan [Member] | Extended Maturity        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount $ 42,047 $ 36,892 $ 60,984 $ 54,608
Commercial Portfolio Segment [Member] | Business Loan [Member] | Payment Deferral        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount 0 0 0 0
Commercial Portfolio Segment [Member] | Business Loan [Member] | Interest Rate Below Market Reduction        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount 0 0 0 0
Commercial Portfolio Segment [Member] | Business Loan [Member] | Other Loan Restructuring        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount   0   0
Commercial Portfolio Segment [Member] | Business Real Estate Loan [Member]        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Current 88,961 102,846 88,961 102,846
Financing Receivable, Modified in Period, Thirty to Eighty Nine Days Past Due 0 0 0 0
Financing Receivable, Modified in Period, Ninety Days Past Due 14,632 14,872 14,632 14,872
Financing Receivable, Modified in Period, Amount 103,593 117,718 103,593 117,718
Financing Receivable, Modified in Period, Amount $ 19,253 $ 70,091 $ 96,549 $ 117,718
Financing Receivable, Modified in Period, to Total Financing Receivables, Percentage 0.50% 2.00% 2.60% 3.30%
Commercial Portfolio Segment [Member] | Business Real Estate Loan [Member] | Extended Maturity        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount $ 19,253 $ 70,091 $ 96,549 $ 117,718
Commercial Portfolio Segment [Member] | Business Real Estate Loan [Member] | Payment Deferral        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount 0 0 0 0
Commercial Portfolio Segment [Member] | Business Real Estate Loan [Member] | Interest Rate Below Market Reduction        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount 0 0 0 0
Commercial Portfolio Segment [Member] | Business Real Estate Loan [Member] | Other Loan Restructuring        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount   0   0
Commercial Portfolio Segment [Member] | Real Estate - construction and land [Member]        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Current   1,915   1,915
Financing Receivable, Modified in Period, Thirty to Eighty Nine Days Past Due   0   0
Financing Receivable, Modified in Period, Ninety Days Past Due   0   0
Financing Receivable, Modified in Period, Amount   1,915   1,915
Financing Receivable, Modified in Period, Amount   $ 1,915   $ 1,915
Financing Receivable, Modified in Period, to Total Financing Receivables, Percentage   0.10%   0.10%
Commercial Portfolio Segment [Member] | Real Estate - construction and land [Member] | Extended Maturity        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount   $ 1,915   $ 1,915
Commercial Portfolio Segment [Member] | Real Estate - construction and land [Member] | Payment Deferral        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount   0   0
Commercial Portfolio Segment [Member] | Real Estate - construction and land [Member] | Interest Rate Below Market Reduction        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount   0   0
Commercial Portfolio Segment [Member] | Real Estate - construction and land [Member] | Other Loan Restructuring        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount   0   0
Personal Banking Portfolio Segment [Member] | Personal Real Estate Loan [Member]        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Current 8,701 3,220 8,701 3,220
Financing Receivable, Modified in Period, Thirty to Eighty Nine Days Past Due 917 1,151 917 1,151
Financing Receivable, Modified in Period, Ninety Days Past Due 761 2,601 761 2,601
Financing Receivable, Modified in Period, Amount 10,379 6,972 10,379 6,972
Financing Receivable, Modified in Period, Amount $ 1,900 $ 4,066 $ 8,280 $ 6,628
Financing Receivable, Modified in Period, to Total Financing Receivables, Percentage 0.10% 0.10% 0.30% 0.20%
Personal Banking Portfolio Segment [Member] | Personal Real Estate Loan [Member] | Extended Maturity        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount $ 31 $ 42 $ 31 $ 42
Personal Banking Portfolio Segment [Member] | Personal Real Estate Loan [Member] | Payment Deferral        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount 1,869 4,024 8,249 6,586
Personal Banking Portfolio Segment [Member] | Personal Real Estate Loan [Member] | Interest Rate Below Market Reduction        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount 0 0 0 0
Personal Banking Portfolio Segment [Member] | Personal Real Estate Loan [Member] | Other Loan Restructuring        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount   0   0
Personal Banking Portfolio Segment [Member] | Consumer Loan [Member]        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Current 99 844 99 844
Financing Receivable, Modified in Period, Thirty to Eighty Nine Days Past Due 35 18 35 18
Financing Receivable, Modified in Period, Ninety Days Past Due 1 12 1 12
Financing Receivable, Modified in Period, Amount 135 874 135 874
Financing Receivable, Modified in Period, Amount $ 19 $ 750 $ 114 $ 848
Financing Receivable, Modified in Period, to Total Financing Receivables, Percentage 0.00% 0.00% 0.00% 0.00%
Personal Banking Portfolio Segment [Member] | Consumer Loan [Member] | Extended Maturity        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount $ 0 $ 0 $ 0 $ 0
Personal Banking Portfolio Segment [Member] | Consumer Loan [Member] | Payment Deferral        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount 0 720 35 720
Personal Banking Portfolio Segment [Member] | Consumer Loan [Member] | Interest Rate Below Market Reduction        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount 19 30 79 84
Personal Banking Portfolio Segment [Member] | Consumer Loan [Member] | Other Loan Restructuring        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount   0   44
Personal Banking Portfolio Segment [Member] | Credit Card Receivable [Member]        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Current 2,319 2,380 2,319 2,380
Financing Receivable, Modified in Period, Thirty to Eighty Nine Days Past Due 405 510 405 510
Financing Receivable, Modified in Period, Ninety Days Past Due 257 237 257 237
Financing Receivable, Modified in Period, Amount 2,981 3,127 2,981 3,127
Financing Receivable, Modified in Period, Amount $ 973 $ 931 $ 2,389 $ 2,642
Financing Receivable, Modified in Period, to Total Financing Receivables, Percentage 0.20% 0.20% 0.40% 0.50%
Personal Banking Portfolio Segment [Member] | Credit Card Receivable [Member] | Extended Maturity        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount $ 0 $ 0 $ 0 $ 0
Personal Banking Portfolio Segment [Member] | Credit Card Receivable [Member] | Payment Deferral        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount 0 0 0 0
Personal Banking Portfolio Segment [Member] | Credit Card Receivable [Member] | Interest Rate Below Market Reduction        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount $ 973 931 $ 2,389 2,642
Personal Banking Portfolio Segment [Member] | Credit Card Receivable [Member] | Other Loan Restructuring        
Financing Receivable, Modified, Past Due [Line Items]        
Financing Receivable, Modified in Period, Amount   $ 0   $ 0
v3.25.3
Investment Securities (Narrative) (Details)
 3 Months Ended 9 Months Ended
Sep. 30, 2024
USD ($)
$ / shares
shares
Jun. 30, 2024
USD ($)
$ / shares
shares
Sep. 30, 2025
USD ($)
Sep. 30, 2024
USD ($)
$ / shares
shares
Dec. 31, 2024
USD ($)
Rate
May 03, 2024
USD ($)
shares
Mar. 31, 2024
USD ($)
shares
Dec. 31, 2023
USD ($)
Debt Securities, Available-for-sale [Line Items]                
Equity Securities without Readily Determinable Fair Value, Amount $ 8,853,000 $ 65,780,000 $ 9,828,000 $ 8,853,000 $ 9,083,000     $ 6,978,000
Percentage decrease requiring a review for impairment     20.00%          
Fair value of securities on impairment watch list     $ 969,400,000   1,600,000,000      
Debt Securities, Available-for-sale, Unrealized Loss Position     6,063,031,000   8,134,911,000      
Unrealized Loss on AFS Debt Securities     731,380,000   994,534,000      
AFS securities in loss position at period-end, change in unrealized loss     (263,200,000)          
Debt Securities, Available-for-Sale, Planned Sale, Amortized Cost         $ 1,200,000,000      
Debt Securities, Available-for-Sale, Planned Sale, Yield | Rate         2.10%      
Loss on Available for Sale debt securities portfolio repositioning         $ 179,100,000      
Debt Securities, Available-for-Sale, Planned Sale, Reinvestment         $ 928,800,000      
Debt Securities, Available-for-Sale, Planned Sale, Yield of Reinvestment | Rate         4.60%      
Securities pledged as collateral     $ 6,700,000,000   $ 6,900,000,000      
Number of investments in a single issuer that exceed 10% of stockholder's equity     0          
No investment in a single issuer exceeds this percentage of stockholder's equity     10.00%          
U.S. government and federal agency obligations                
Debt Securities, Available-for-sale [Line Items]                
U.S. Treasury inflation-protected securities held, at fair value     $ 419,300,000          
Debt Securities, Available-for-sale, Unrealized Loss Position     880,828,000   1,846,004,000      
Unrealized Loss on AFS Debt Securities     9,630,000   $ 41,859,000      
Available-for-sale Securities [Member]                
Debt Securities, Available-for-sale [Line Items]                
Available-for-sale Securities, Losses realized on sales     (4,218,000) 192,938,000        
Equity Securities [Member]                
Debt Securities, Available-for-sale [Line Items]                
Equity Securities, FV-NI, Gain (Loss)     1,666,000 $ 178,098,000        
Visa Class B-1 Shares                
Debt Securities, Available-for-sale [Line Items]                
Equity Securities without Readily Determinable Fair Value, Shares | shares             823,447  
Equity Securities without Readily Determinable Fair Value, Carrying Value             $ 0  
Exchange Offer, Original Shares Held | shares             823,447  
Visa Class B-2 Shares                
Debt Securities, Available-for-sale [Line Items]                
Exchange Offer, Common Shares Received | shares           411,723    
Equity Securities without Readily Determinable Fair Value, Amount           $ 0    
Visa Class A Shares                
Debt Securities, Available-for-sale [Line Items]                
Exchange Offer, Conversion Rate of Common Stock           1.5875    
Equity Securities Sold, Shares | shares 218,000 436,000   218,000        
Equity Securities Sold, Average Price | $ / shares $ 260.56 $ 274.91   $ 260.56        
Proceeds from Sale of Equity Securities $ 56,800,000 $ 119,800,000            
Visa Class C Shares                
Debt Securities, Available-for-sale [Line Items]                
Exchange Offer, Common Shares Received | shares           163,404    
Private Equity Securities                
Debt Securities, Available-for-sale [Line Items]                
Fair value other securities adjustments, net     $ 3,800,000          
v3.25.3
Investment Securities (Investment Securities, At Fair Value) (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Sep. 30, 2024
Jun. 30, 2024
Dec. 31, 2023
Investment Securities [Abstract]          
Available for sale debt securities $ 8,998,586 $ 9,136,853      
Trading debt securities 56,282 38,034      
Equity securities with a readily determinable fair value 43,365 48,359      
Equity Securities without Readily Determinable Fair Value, Amount 9,828 9,083 $ 8,853 $ 65,780 $ 6,978
Federal Reserve Bank Stock 35,822 35,545      
Federal Home Loan Bank Stock 10,103 10,120      
Private equity investments 181,505 184,386      
Total investment securities [1] 9,335,491 9,462,380      
Interest Receivable, Current $ 36,100 $ 35,000      
[1]
(1)Accrued interest receivable totaled $36.1 million and $35.0 million at September 30, 2025 and December 31, 2024, respectively, and was included within other assets on the consolidated balance sheets.
v3.25.3
Investment Securities (Equity Securities without Readily Determinable Fair Value) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2024
Sep. 30, 2024
Sep. 30, 2025
Dec. 31, 2024
Jun. 30, 2024
Dec. 31, 2023
Equity Securities without Readily Determinable Fair Value [Line Items]            
Equity Securities without Readily Determinable Fair Value, Amount $ 8,853 $ 8,853 $ 9,828 $ 9,083 $ 65,780 $ 6,978
Equity Securities without Readily Determinable Fair Value, Upward Price Adjustment, Annual Amount 0 178,227        
Equity Securities without Readily Determinable Fair Value, Downward Price Adjustment, Annual Amount (416) (416)        
Equity Securities without Readily Determinable Fair Value, Impairment Loss, Annual Amount 0 0        
Sales of Equity Securities Without Readily Determinable Fair Value $ (56,511) $ (175,936)        
v3.25.3
Investment Securities (Gain (Loss) on Securities) (Details) - Equity Securities [Member] - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Gain (Loss) on Securities [Line Items]    
Equity Securities, FV-NI, Gain (Loss) $ 1,666 $ 178,098
Equity Securities, FV-NI, Realized Gain (Loss)   (176,755)
Equity Securities, FV-NI, Unrealized Gain (Loss)   $ 1,343
v3.25.3
Investment Securities (Summary Of Available For Sale Investment Securities By Maturity Groupings) (Details) - USD ($)
Sep. 30, 2025
Dec. 31, 2024
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost $ 9,687,084,000 $ 10,127,426,000
Fair Value 8,998,586,000 9,136,853,000
U.S. government and federal agency obligations    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 2,903,586,000 2,594,130,000
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Amortized Cost 414,722,000  
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Amortized Cost 1,382,147,000  
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after 5 through 10 Years, Amortized Cost 1,000,182,000  
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Amortized Cost 106,535,000  
Fair Value 2,925,238,000 2,555,252,000
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Fair Value 415,573,000  
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Fair Value 1,394,173,000  
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after 5 through 10 Years, Fair Value 1,007,653,000  
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Fair Value 107,839,000  
Government-sponsored enterprise obligations    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 54,959,000 55,425,000
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after 5 through 10 Years, Amortized Cost 35,139,000  
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Amortized Cost 19,820,000  
Fair Value 44,746,000 42,849,000
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after 5 through 10 Years, Fair Value 30,492,000  
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Fair Value 14,254,000  
State and municipal obligations [Member]    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 748,570,000 822,790,000
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Amortized Cost 65,048,000  
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Amortized Cost 415,803,000  
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after 5 through 10 Years, Amortized Cost 158,341,000  
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Amortized Cost 109,378,000  
Fair Value 695,698,000 742,891,000
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Fair Value 64,649,000  
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Fair Value 397,106,000  
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after 5 through 10 Years, Fair Value 141,696,000  
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Fair Value 92,247,000  
Agency mortgage-backed securities    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 3,883,052,000 4,195,182,000
Fair Value 3,291,338,000 3,444,891,000
Non-Agency Mortgage-Backed Securities [Member]    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 487,070,000 625,539,000
Fair Value 452,424,000 568,689,000
Asset-backed securities    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 1,409,706,000 1,595,797,000
Fair Value 1,395,349,000 1,557,015,000
Total Mortgage And Asset-Backed Securities [Member]    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 5,779,828,000 6,416,518,000
Fair Value 5,139,111,000 5,570,595,000
Other debt securities    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 200,141,000 238,563,000
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Amortized Cost 14,432,000  
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Amortized Cost 74,130,000  
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after 5 through 10 Years, Amortized Cost 86,832,000  
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Amortized Cost 24,747,000  
Fair Value 193,793,000 $ 225,266,000
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Fair Value 14,291,000  
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Fair Value 69,564,000  
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after 5 through 10 Years, Fair Value 85,388,000  
Debt Securities, Available-for-Sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Fair Value $ 24,550,000  
v3.25.3
Investment Securities (Securities With Unrealized Losses And Length Of Impairment Period) (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Debt Securities, Available-for-sale [Line Items]    
Fair Value, Less than 12 months $ 354,858 $ 1,757,431
Unrealized Loss, Less than 12 months 1,558 27,884
Fair Value, Greater than 12 months 5,708,173 6,377,480
Unrealized Loss, Greater than 12 months 729,822 966,650
Debt Securities, Available-for-sale, Unrealized Loss Position 6,063,031 8,134,911
Unrealized Loss on AFS Debt Securities 731,380 994,534
U.S. government and federal agency obligations    
Debt Securities, Available-for-sale [Line Items]    
Fair Value, Less than 12 months 308,226 1,492,875
Unrealized Loss, Less than 12 months 1,294 24,662
Fair Value, Greater than 12 months 572,602 353,129
Unrealized Loss, Greater than 12 months 8,336 17,197
Debt Securities, Available-for-sale, Unrealized Loss Position 880,828 1,846,004
Unrealized Loss on AFS Debt Securities 9,630 41,859
Government-sponsored enterprise obligations    
Debt Securities, Available-for-sale [Line Items]    
Fair Value, Less than 12 months 0 0
Unrealized Loss, Less than 12 months 0 0
Fair Value, Greater than 12 months 44,746 42,848
Unrealized Loss, Greater than 12 months 10,213 12,576
Debt Securities, Available-for-sale, Unrealized Loss Position 44,746 42,848
Unrealized Loss on AFS Debt Securities 10,213 12,576
State and municipal obligations [Member]    
Debt Securities, Available-for-sale [Line Items]    
Fair Value, Less than 12 months 10,231 14,860
Unrealized Loss, Less than 12 months 173 230
Fair Value, Greater than 12 months 654,343 724,587
Unrealized Loss, Greater than 12 months 52,750 79,685
Debt Securities, Available-for-sale, Unrealized Loss Position 664,574 739,447
Unrealized Loss on AFS Debt Securities 52,923 79,915
Agency mortgage-backed securities    
Debt Securities, Available-for-sale [Line Items]    
Fair Value, Less than 12 months 1,556 3,882
Unrealized Loss, Less than 12 months 5 42
Fair Value, Greater than 12 months 3,235,669 3,409,405
Unrealized Loss, Greater than 12 months 592,554 750,664
Debt Securities, Available-for-sale, Unrealized Loss Position 3,237,225 3,413,287
Unrealized Loss on AFS Debt Securities 592,559 750,706
Non-Agency Mortgage-Backed Securities [Member]    
Debt Securities, Available-for-sale [Line Items]    
Fair Value, Less than 12 months 0 10
Unrealized Loss, Less than 12 months 0 0
Fair Value, Greater than 12 months 436,921 564,637
Unrealized Loss, Greater than 12 months 35,079 56,986
Debt Securities, Available-for-sale, Unrealized Loss Position 436,921 564,647
Unrealized Loss on AFS Debt Securities 35,079 56,986
Asset-backed securities    
Debt Securities, Available-for-sale [Line Items]    
Fair Value, Less than 12 months 34,845 219,414
Unrealized Loss, Less than 12 months 86 2,371
Fair Value, Greater than 12 months 646,644 1,083,938
Unrealized Loss, Greater than 12 months 23,322 36,824
Debt Securities, Available-for-sale, Unrealized Loss Position 681,489 1,303,352
Unrealized Loss on AFS Debt Securities 23,408 39,195
Total Mortgage And Asset-Backed Securities [Member]    
Debt Securities, Available-for-sale [Line Items]    
Fair Value, Less than 12 months 36,401 223,306
Unrealized Loss, Less than 12 months 91 2,413
Fair Value, Greater than 12 months 4,319,234 5,057,980
Unrealized Loss, Greater than 12 months 650,955 844,474
Debt Securities, Available-for-sale, Unrealized Loss Position 4,355,635 5,281,286
Unrealized Loss on AFS Debt Securities 651,046 846,887
Debt Securities [Member]    
Debt Securities, Available-for-sale [Line Items]    
Fair Value, Less than 12 months 0 26,390
Unrealized Loss, Less than 12 months 0 579
Fair Value, Greater than 12 months 117,248 198,936
Unrealized Loss, Greater than 12 months 7,568 12,718
Debt Securities, Available-for-sale, Unrealized Loss Position 117,248 225,326
Unrealized Loss on AFS Debt Securities $ 7,568 $ 13,297
v3.25.3
Investment Securities (Available For Sale Securities Unrealized Gains And Losses, By Security Type) (Details) - USD ($)
Sep. 30, 2025
Dec. 31, 2024
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost $ 9,687,084,000 $ 10,127,426,000
Gross Unrealized Gains 42,882,000 3,961,000
Gross Unrealized Losses (731,380,000) (994,534,000)
Allowance for Credit Losses 0 0
Fair Value 8,998,586,000 9,136,853,000
U.S. government and federal agency obligations    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 2,903,586,000 2,594,130,000
Gross Unrealized Gains 31,282,000 2,981,000
Gross Unrealized Losses (9,630,000) (41,859,000)
Allowance for Credit Losses 0 0
Fair Value 2,925,238,000 2,555,252,000
Government-sponsored enterprise obligations    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 54,959,000 55,425,000
Gross Unrealized Gains 0 0
Gross Unrealized Losses (10,213,000) (12,576,000)
Allowance for Credit Losses 0 0
Fair Value 44,746,000 42,849,000
State and municipal obligations [Member]    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 748,570,000 822,790,000
Gross Unrealized Gains 51,000 16,000
Gross Unrealized Losses (52,923,000) (79,915,000)
Allowance for Credit Losses 0 0
Fair Value 695,698,000 742,891,000
Agency mortgage-backed securities    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 3,883,052,000 4,195,182,000
Gross Unrealized Gains 845,000 415,000
Gross Unrealized Losses (592,559,000) (750,706,000)
Allowance for Credit Losses 0 0
Fair Value 3,291,338,000 3,444,891,000
Non-Agency Mortgage-Backed Securities [Member]    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 487,070,000 625,539,000
Gross Unrealized Gains 433,000 136,000
Gross Unrealized Losses (35,079,000) (56,986,000)
Allowance for Credit Losses 0 0
Fair Value 452,424,000 568,689,000
Asset-backed securities    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 1,409,706,000 1,595,797,000
Gross Unrealized Gains 9,051,000 413,000
Gross Unrealized Losses (23,408,000) (39,195,000)
Allowance for Credit Losses 0 0
Fair Value 1,395,349,000 1,557,015,000
Total Mortgage And Asset-Backed Securities [Member]    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 5,779,828,000 6,416,518,000
Gross Unrealized Gains 10,329,000 964,000
Gross Unrealized Losses (651,046,000) (846,887,000)
Allowance for Credit Losses 0 0
Fair Value 5,139,111,000 5,570,595,000
Other debt securities    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 200,141,000 238,563,000
Gross Unrealized Gains 1,220,000 0
Gross Unrealized Losses (7,568,000) (13,297,000)
Allowance for Credit Losses 0 0
Fair Value $ 193,793,000 $ 225,266,000
v3.25.3
Investment Securities (Proceeds From Sales Of Securities And Components Of Investment Securities Gains And Losses) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Debt Securities, Available-for-sale [Line Items]        
Proceeds from sales of debt securities, available for sale, including pending trades     $ 36,065 $ 1,057,589
Proceeds from Sale of Equity Securities, FV-NI     0 176,780
Proceeds from sales of other investments, including pending trades     10,563 38,558
Proceeds from sale of investments, total, including pending trades     46,628 1,272,927
INVESTMENT SECURITIES GAINS (LOSSES), NET $ 7,885 $ 3,872 731 [1] 6,846 [1]
Available-for-sale Securities [Member]        
Debt Securities, Available-for-sale [Line Items]        
Available-for-sale Securities, Gains realized on sales     4 0
Available-for-sale Securities, Losses realized on sales     (4,218) 192,938
Equity Securities [Member]        
Debt Securities, Available-for-sale [Line Items]        
Equity Securities, FV-NI, Gain (Loss)     1,666 178,098
Other Investments [Member]        
Debt Securities, Available-for-sale [Line Items]        
Other Securities, Gains realized on sales     1,172 3,082
Other Securities, Loss realized on sales     (1,735) (1,601)
Fair value other securities adjustments, net     $ 3,842 $ 20,205
[1] Available for sale debt securities, equity securities, and other securities.
v3.25.3
Goodwill And Other Intangible Assets (Narrative) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Goodwill and Intangible Assets Disclosure [Abstract]        
Amortization of Intangible Assets $ 310 $ 318 $ 954 $ 969
v3.25.3
Goodwill And Other Intangible Assets (Schedule Of Intangible Assets With Estimable Useful Lives) (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Finite-Lived Intangible Assets [Line Items]    
Gross Carrying Amount $ 19,254 $ 19,223
Accumulated Amortization (9,525) (9,191)
Valuation Allowance 0 0
Net Amount 9,729 10,032
Core Deposit Premium    
Finite-Lived Intangible Assets [Line Items]    
Gross Carrying Amount 5,550 5,550
Accumulated Amortization (5,400) (5,286)
Valuation Allowance 0 0
Net Amount 150 264
Mortgage Servicing Rights    
Finite-Lived Intangible Assets [Line Items]    
Gross Carrying Amount 13,704 13,673
Accumulated Amortization (4,125) (3,905)
Valuation Allowance 0 0
Net Amount $ 9,579 $ 9,768
v3.25.3
Goodwill And Other Intangible Assets (Schedule Of Estimated Annual Amortization Expense) (Details)
$ in Thousands
Sep. 30, 2025
USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]  
2025 $ 1,271
2026 1,192
2027 1,024
2028 885
2029 $ 791
v3.25.3
Goodwill And Other Intangible Assets (Schedule Of Changes In Carrying Amount Of Goodwill And Net Other Intangible Assets) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Goodwill and Intangible Assets [Roll Forward]        
Amortization $ 310 $ 318 $ 954 $ 969
Goodwill        
Goodwill and Intangible Assets [Roll Forward]        
Balance January 1     146,539  
Originations     0  
Amortization     0  
Balance September 30, 2025 146,539   146,539  
Easement        
Goodwill and Intangible Assets [Roll Forward]        
Balance January 1     3,600  
Originations     0  
Amortization     0  
Balance September 30, 2025 3,600   3,600  
Core Deposit Premium        
Goodwill and Intangible Assets [Roll Forward]        
Balance January 1     264  
Originations     0  
Amortization     (114)  
Balance September 30, 2025 150   150  
Mortgage Servicing Rights        
Goodwill and Intangible Assets [Roll Forward]        
Balance January 1     9,768  
Originations     651  
Amortization     (840)  
Balance September 30, 2025 $ 9,579   $ 9,579  
v3.25.3
Goodwill And Other Intangible Assets (Schedule Of Goodwill Allocated By Operating Segments) (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Goodwill [Line Items]    
Goodwill $ 146,539 $ 146,539
Consumer segment    
Goodwill [Line Items]    
Goodwill 70,721 70,721
Commercial segment    
Goodwill [Line Items]    
Goodwill 75,072 75,072
Wealth segment    
Goodwill [Line Items]    
Goodwill $ 746 $ 746
v3.25.3
Guarantees (Details) - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2025
Dec. 31, 2024
Guarantor Obligations [Line Items]    
Derivative Liabilities [1] $ 21,248 $ 26,963
Notional amount of underlying interest rate swaps associated with risk participation agreements 4,607,591 $ 4,631,381
Financial Standby Letter Of Credit [Member]    
Guarantor Obligations [Line Items]    
Standby letters of credit, net liability 4,200  
Contractual amount of letters of credit, guaranteed maximum potential future payments 643,600  
Risk Participation Agreement [Member] | Indirect Guarantee Of Indebtedness [Member]    
Guarantor Obligations [Line Items]    
Derivative Liabilities 94  
Notional amount of underlying interest rate swaps associated with risk participation agreements $ 274,100  
Minimum [Member] | Risk Participation Agreement [Member]    
Guarantor Obligations [Line Items]    
Term, in years 2 years  
Maximum [Member] | Risk Participation Agreement [Member]    
Guarantor Obligations [Line Items]    
Term, in years 15 years  
[1]
* The fair value of each class of derivative is shown in Note 11.
v3.25.3
Leases (Narrative) (Details)
Sep. 30, 2025
Minimum [Member]  
Lessor, Lease, Description [Line Items]  
Lessor, Operating Lease, Term of Contract 1 month
Maximum [Member]  
Lessor, Lease, Description [Line Items]  
Lessor, Operating Lease, Term of Contract 13 years
v3.25.3
Leases (Components of Lease Income) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Operating Lease Income [Line Items]        
Direct financing and sales-type leases $ 10,114 $ 9,409 $ 29,809 $ 27,464
Operating leases(a) [1] 4,842 4,249 13,327 12,641
Total lease income 14,956 13,658 43,136 40,105
Operating Lease Income from Related Party [Member]        
Operating Lease Income [Line Items]        
Operating leases(a) $ 0 $ 20 $ 0 $ 58
[1]
(a) Includes rent from Tower Properties Company, a related party, of $0 and $20 thousand for the three month periods ended September 30, 2025 and 2024, respectively, and $0 and $58 thousand for the nine month periods ended September 30, 2025 and 2024, respectively. Tower Properties Company was no longer a lessee of the Company as of January 1, 2025.
v3.25.3
Pension (Narrative) (Details)
 9 Months Ended
Sep. 30, 2025
USD ($)
Pension (Narrative) [Abstract]  
Defined Benefit Plan, Plan Assets, Contributions by Employer $ 0
v3.25.3
Pension (Net Pension Cost) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Pension [Abstract]        
Service cost - benefits earned during the period $ 139 $ 97 $ 410 $ 290
Interest cost on projected benefit obligation 1,094 1,062 3,241 3,287
Expected Return on Plan Assets (994) (1,066) (2,954) (3,104)
Amortization of Prior Service Cost 0 (45) 0 (136)
Defined Benefit Plan, Amortization of (Gain) Loss 44 177 502 739
Net periodic pension cost $ 283 $ 225 $ 1,199 $ 1,076
v3.25.3
Common Stock (Summary Of Components Used To Calculate Basic And Diluted Income Per Share) (Details) - USD ($)
$ / shares in Units, shares in Thousands, $ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]        
Basic income per common share $ 1.06 $ 1.02 $ 3.18 $ 2.87
Diluted income per common share $ 1.06 $ 1.01 $ 3.18 $ 2.86
Basic income per common share:        
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]        
Net income attributable to Commerce Bancshares, Inc. $ 141,518 $ 138,007 $ 425,589 $ 390,223
Less income allocated to nonvested restricted stock 1,338 1,289 4,058 3,646
Net income allocated to common stock $ 140,180 $ 136,718 $ 421,531 $ 386,577
Weighted average common shares outstanding 132,338 134,217 132,568 134,862
Basic income per common share $ 1.06 $ 1.02 $ 3.18 $ 2.87
Diluted income per common share:        
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]        
Net income attributable to Commerce Bancshares, Inc. $ 141,518 $ 138,007 $ 425,589 $ 390,223
Less income allocated to nonvested restricted stock 1,337 1,288 4,055 3,643
Net income allocated to common stock $ 140,181 $ 136,719 $ 421,534 $ 386,580
Weighted average common shares outstanding 132,338 134,217 132,568 134,862
Net effect of the assumed exercise of stock-based awards - based on the treasury stock method using the average market price for the respective periods 125 178 136 163
Weighted average diluted common shares outstanding 132,463 134,395 132,704 135,025
Diluted income per common share $ 1.06 $ 1.01 $ 3.18 $ 2.86
v3.25.3
Common Stock (AntiDilutive Securities Excluded from Computation of Earnings per Share) (Details) - shares
shares in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Common Stock nonprint [Abstract]        
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount 237 378 230 410
v3.25.3
Accumulated Other Comprehensive Income (Schedule Of Accumulated Other Comprehensive Income) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Accumulated Other Comprehensive Income (Loss) [Line Items]        
Beginning balance     $ (758,911) $ (891,412)
Other comprehensive income (loss) before reclassifications to current earnings     302,692 234,496
Amounts reclassified to current earnings from accumulated other comprehensive income     (2,366) 184,848
Current period other comprehensive income (loss), before tax     300,326 419,344
Income tax (expense) benefit     (75,081) (104,836)
Current period other comprehensive income (loss), net of tax $ 47,383 $ 230,913 225,245 314,508
Ending balance (533,666) (576,904) (533,666) (576,904)
Unrealized Gains (Losses) on Securities (1)        
Accumulated Other Comprehensive Income (Loss) [Line Items]        
Beginning balance [1]     (742,926) (915,001)
Other comprehensive income (loss) before reclassifications to current earnings [1]     297,859 240,695
Amounts reclassified to current earnings from accumulated other comprehensive income [1]     4,214 192,938
Current period other comprehensive income (loss), before tax [1]     302,073 433,633
Income tax (expense) benefit [1]     (75,518) (108,408)
Current period other comprehensive income (loss), net of tax [1]     226,555 325,225
Ending balance [1] (516,371) (589,776) (516,371) (589,776)
Pension Loss        
Accumulated Other Comprehensive Income (Loss) [Line Items]        
Beginning balance     (12,059) (13,596)
Other comprehensive income (loss) before reclassifications to current earnings     0 0
Amounts reclassified to current earnings from accumulated other comprehensive income     502 603
Current period other comprehensive income (loss), before tax     502 603
Income tax (expense) benefit     (125) (150)
Current period other comprehensive income (loss), net of tax     377 453
Ending balance (11,682) (13,143) (11,682) (13,143)
Unrealized Gains (Losses) on Cash Flow Hedge Derivatives (2)        
Accumulated Other Comprehensive Income (Loss) [Line Items]        
Beginning balance [2]     (3,926) 37,185
Other comprehensive income (loss) before reclassifications to current earnings [2]     4,833 (6,199)
Amounts reclassified to current earnings from accumulated other comprehensive income [2]     (7,082) (8,693)
Current period other comprehensive income (loss), before tax [2]     (2,249) (14,892)
Income tax (expense) benefit [2]     562 3,722
Current period other comprehensive income (loss), net of tax [2]     (1,687) (11,170)
Ending balance [2] $ (5,613) $ 26,015 $ (5,613) $ 26,015
[1] The pre-tax amounts reclassified from accumulated other comprehensive income to current earnings are included in "investment securities gains (losses), net" in the consolidated statements of income.
[2] The pre-tax amounts reclassified from accumulated other comprehensive income to current earnings are included in "interest and fees on loans" in the consolidated statements of income.
v3.25.3
Segments (Narrative) (Details)
 3 Months Ended 9 Months Ended
Sep. 30, 2025
USD ($)
Locations
Sep. 30, 2024
USD ($)
Sep. 30, 2025
USD ($)
Operating_Segments
Locations
Sep. 30, 2024
USD ($)
Segments [Abstract]        
Number of Operating Segments | Operating_Segments     3  
Number Of Locations | Locations 140   140  
Segment Reporting Information, Intersegment Revenue | $ $ 0 $ 0 $ 0 $ 0
v3.25.3
Segments (Schedule Of Financial Information By Segment) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Segment Reporting Information [Line Items]        
Net interest income $ 279,457 $ 262,351 $ 828,706 $ 773,599
Provision for credit losses (20,061) (9,140) (40,145) (19,395)
Non-interest income 161,511 159,025 486,073 460,117
INVESTMENT SECURITIES GAINS (LOSSES), NET 7,885 3,872 731 [1] 6,846 [1]
Non-interest expense (244,018) (237,600) (726,831) (715,511)
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest 184,774 178,508 548,534 505,656
Corporate, Non-Segment        
Segment Reporting Information [Line Items]        
Net interest income (2,258) (15,772) (11,434) (57,545)
Provision for credit losses (9,732) 426 (9,339) 8,858
Non-interest income 1,639 6,380 5,645 10,184
INVESTMENT SECURITIES GAINS (LOSSES), NET 7,885 3,872 731 6,846
Non-interest expense (9,677) (9,806) (32,249) (47,206)
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest (12,143) (14,900) (46,646) (78,863)
Consumer segment | Operating Segments        
Segment Reporting Information [Line Items]        
Net interest income 126,606 128,904 378,958 384,278
Provision for credit losses (9,422) (9,526) (29,241) (27,451)
Non-interest income 25,364 25,517 73,055 74,424
INVESTMENT SECURITIES GAINS (LOSSES), NET 0 0 0 0
Non-interest expense (84,886) (85,121) (250,968) (245,834)
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest 57,662 59,774 171,804 185,417
Commercial segment | Operating Segments        
Segment Reporting Information [Line Items]        
Net interest income 132,575 128,253 393,453 380,476
Provision for credit losses (908) (186) (1,548) (952)
Non-interest income 66,408 65,287 211,388 195,669
INVESTMENT SECURITIES GAINS (LOSSES), NET 0 0 0 0
Non-interest expense (107,201) (102,614) (319,258) (303,959)
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest 90,874 90,740 284,035 271,234
Wealth segment | Operating Segments        
Segment Reporting Information [Line Items]        
Net interest income 22,534 20,966 67,729 66,390
Provision for credit losses 1 146 (17) 150
Non-interest income 68,100 61,841 195,985 179,840
INVESTMENT SECURITIES GAINS (LOSSES), NET 0 0 0 0
Non-interest expense (42,254) (40,059) (124,356) (118,512)
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $ 48,381 $ 42,894 $ 139,341 $ 127,868
[1] Available for sale debt securities, equity securities, and other securities.
v3.25.3
Derivative Instruments (Narrative) (Details) - USD ($)
 9 Months Ended
Sep. 30, 2025
Dec. 31, 2024
Dec. 31, 2020
Derivative [Line Items]      
Derivative, Notional Amount $ 4,607,591,000 $ 4,631,381,000  
Derivative Asset [1] $ 61,760,000 62,648,000  
Interest Rate Floor [Member]      
Derivative [Line Items]      
Derivative, Description of Terms As of September 30, 2025, the Company held four interest rate floors indexed to 1-month SOFR to hedge the risk of declining interest rates on certain floating rate commercial loans. The floors have a combined notional value of $2.0 billion. Each of the four interest rate floors has a six-year term and a notional amount of $500.0 million. In the event that the index rate falls below zero, the maximum rate that the Company can earn on the notional amount of each floor is limited to the strike rate.    
Derivative, Premium Paid $ 90,200,000    
Maximum Length of Time Hedged in Interest Rate Cash Flow Hedge 5 years 9 months 18 days    
Unrealized gain (loss) on interest rate cash flow hedges, pretax, amount recorded in accumulated other comprehensive income $ 21,300,000    
Cash Flow Hedge Gain (Loss) to be Reclassified within Twelve Months 11,600,000    
Derivative, Notional Amount 2,000,000,000 2,000,000,000  
Monetized Interest Rate Floor [Member]      
Derivative [Line Items]      
Cash Flow Hedge Gain (Loss) to be Reclassified within Twelve Months 12,500,000    
Derivative, Notional Amount     $ 1,500,000,000
Derivative Asset     $ 163,200,000
Derivative Instruments, Gain (Loss) Reclassification from Accumulated OCI to Income, Estimated Net Amount to be Transferred $ 13,800,000    
Derivative Instruments, Gain (Loss) Reclassification from Accumulated OCI to Income, Estimate of Time to Transfer 1 year 2 months 12 days    
Interest rate swaps      
Derivative [Line Items]      
Derivative, Notional Amount $ 2,012,179,000 $ 2,065,400,000  
Variation Margin Impact to Positive Fair Values of Cleared Swaps $ 0    
[1]
* The fair value of each class of derivative is shown in Note 11.
v3.25.3
Derivative Instruments (Schedule Of Notional Amounts Of Derivative Instruments) (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Derivative [Line Items]    
Derivative, Notional Amount $ 4,607,591 $ 4,631,381
Interest rate swaps    
Derivative [Line Items]    
Derivative, Notional Amount 2,012,179 2,065,400
Interest Rate Floor    
Derivative [Line Items]    
Derivative, Notional Amount 2,000,000 2,000,000
Interest rate caps    
Derivative [Line Items]    
Derivative, Notional Amount 94,219 37,488
Credit risk participation agreements    
Derivative [Line Items]    
Derivative, Notional Amount 467,339 503,196
Foreign exchange contracts    
Derivative [Line Items]    
Derivative, Notional Amount 19,562 16,978
Mortgage loan commitments    
Derivative [Line Items]    
Derivative, Notional Amount 6,930 3,060
Mortgage loan forward sale contracts    
Derivative [Line Items]    
Derivative, Notional Amount 362 1,759
Forward TBA contracts    
Derivative [Line Items]    
Derivative, Notional Amount $ 7,000 $ 3,500
v3.25.3
Derivative Instruments (Interest Rate Floor Summary) (Details) - Interest Rate Floor [Member]
 9 Months Ended
Sep. 30, 2025
Rate
February 23, 2023  
Derivative [Line Items]  
Derivative, Floor Interest Rate 3.50%
Derivative, Effective Date Jul. 01, 2024
Derivative, Maturity Date Jul. 01, 2030
August 7, 2023  
Derivative [Line Items]  
Derivative, Floor Interest Rate 3.25%
Derivative, Effective Date Nov. 01, 2024
Derivative, Maturity Date Nov. 01, 2030
August 3, 2023 Floor 1  
Derivative [Line Items]  
Derivative, Floor Interest Rate 3.00%
Derivative, Effective Date Mar. 01, 2025
Derivative, Maturity Date Mar. 01, 2031
August 3, 2023 Floor 2  
Derivative [Line Items]  
Derivative, Floor Interest Rate 2.75%
Derivative, Effective Date Jul. 01, 2025
Derivative, Maturity Date Jul. 01, 2031
v3.25.3
Derivative Instruments (Schedule Of Fair Values Of Derivative Instruments) (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Derivatives, Fair Value [Line Items]    
Derivative Asset [1] $ 61,760 $ 62,648
Derivative Liabilities [1] (21,248) (26,963)
Designated as Hedging Instrument [Member]    
Derivatives, Fair Value [Line Items]    
Derivative Asset 40,376 35,544
Derivative Liabilities 0 0
Not Designated as Hedging Instrument [Member]    
Derivatives, Fair Value [Line Items]    
Derivative Asset 21,384 27,104
Derivative Liabilities (21,248) (26,963)
Interest rate swaps | Not Designated as Hedging Instrument [Member]    
Derivatives, Fair Value [Line Items]    
Derivative Asset 20,703 26,759
Derivative Liabilities (20,703) (26,759)
Interest Rate Floor [Member] | Designated as Hedging Instrument [Member]    
Derivatives, Fair Value [Line Items]    
Derivative Asset 40,376 35,544
Derivative Liabilities 0 0
Interest rate caps | Not Designated as Hedging Instrument [Member]    
Derivatives, Fair Value [Line Items]    
Derivative Asset 3 44
Derivative Liabilities (3) (44)
Credit risk participation agreements | Not Designated as Hedging Instrument [Member]    
Derivatives, Fair Value [Line Items]    
Derivative Asset 76 35
Derivative Liabilities (94) (58)
Foreign exchange contracts | Not Designated as Hedging Instrument [Member]    
Derivatives, Fair Value [Line Items]    
Derivative Asset 459 179
Derivative Liabilities (435) (101)
Mortgage loan commitments | Not Designated as Hedging Instrument [Member]    
Derivatives, Fair Value [Line Items]    
Derivative Asset 118 58
Derivative Liabilities (11) 0
Mortgage loan forward sale contracts | Not Designated as Hedging Instrument [Member]    
Derivatives, Fair Value [Line Items]    
Derivative Asset 2 14
Derivative Liabilities 0 0
Forward TBA contracts | Not Designated as Hedging Instrument [Member]    
Derivatives, Fair Value [Line Items]    
Derivative Asset 23 15
Derivative Liabilities $ (2) $ (1)
[1]
* The fair value of each class of derivative is shown in Note 11.
v3.25.3
Derivative Instruments (Summary of Cash Flow Hedge Activity) (Details) - Designated as Hedging Instrument [Member] - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Summary of Cash Flow Hedge Activity [Line Items]        
OCI Derivative Instruments GainLossBeforeReclassificationAndTaxEffectivePortion $ (10,548) $ 23,168 $ 4,833 $ (6,199)
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification and Tax (346) 13,673 5,688 3,565
Other Comprehensive Income (Loss), Derivative, Excluded Component, Increase (Decrease), before Adjustments and Tax (10,202) 9,495 (855) (9,764)
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax 6,433 7,072 19,712 21,369
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI on Derivatives, before Tax (4,256) (4,256) (12,630) (12,676)
Reclassification from Accumulated Other Comprehensive Income, Current Period, before Tax 2,177 2,816 7,082 8,693
Interest Rate Floor [Member]        
Summary of Cash Flow Hedge Activity [Line Items]        
OCI Derivative Instruments GainLossBeforeReclassificationAndTaxEffectivePortion (10,548) 23,168 4,833 (6,199)
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification and Tax (346) 13,673 5,688 3,565
Other Comprehensive Income (Loss), Derivative, Excluded Component, Increase (Decrease), before Adjustments and Tax (10,202) 9,495 (855) (9,764)
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax 6,433 7,072 19,712 21,369
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI on Derivatives, before Tax (4,256) (4,256) (12,630) (12,676)
Reclassification from Accumulated Other Comprehensive Income, Current Period, before Tax $ 2,177 $ 2,816 $ 7,082 $ 8,693
v3.25.3
Derivative Instruments (Summary Of The Effects Of Derivative Instruments On Consolidated Statements Of Income) (Details) - Not Designated as Hedging Instrument [Member] - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Derivative Instruments, Gain (Loss) [Line Items]        
Amount of Gain or (Loss) Recognized in Income on Derivatives $ 301 $ 109 $ 1,094 $ 1,306
Other non-interest income | Interest rate swaps        
Derivative Instruments, Gain (Loss) [Line Items]        
Amount of Gain or (Loss) Recognized in Income on Derivatives 393 239 1,140 1,562
Other non-interest income | Credit risk participation agreements        
Derivative Instruments, Gain (Loss) [Line Items]        
Amount of Gain or (Loss) Recognized in Income on Derivatives (39) 0 139 (214)
Other non-interest income | Foreign exchange contracts        
Derivative Instruments, Gain (Loss) [Line Items]        
Amount of Gain or (Loss) Recognized in Income on Derivatives 162 (42) (54) (21)
Loan fees and sales | Mortgage loan commitments        
Derivative Instruments, Gain (Loss) [Line Items]        
Amount of Gain or (Loss) Recognized in Income on Derivatives (146) 52 49 105
Loan fees and sales | Mortgage loan forward sale contracts        
Derivative Instruments, Gain (Loss) [Line Items]        
Amount of Gain or (Loss) Recognized in Income on Derivatives 0 1 (11) 1
Loan fees and sales | Forward TBA contracts        
Derivative Instruments, Gain (Loss) [Line Items]        
Amount of Gain or (Loss) Recognized in Income on Derivatives $ (69) $ (141) $ (169) $ (127)
v3.25.3
Derivative Instruments (Balance Sheet Offsetting) (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Derivative Asset, Gross Asset Including Not Subject to Master Netting Arrangement $ 61,760 $ 62,648
Derivative Asset, Amount Offset by Liabiilty 0 0
Derivative Assets [1] 61,760 62,648
Derivative Liability, Gross Liability Including Not Subject to Master Netting Arrangement 21,248 26,963
Derivative Liability, Amount Offset by Asset 0 0
Derivative Liabilities [1] 21,248 26,963
Derivatives subject to master netting agreements    
Derivative Asset, Fair Value, Gross Asset 61,555 62,437
Derivative Asset, Amount Offset by Liabiilty 0 0
Derivative Asset, Net Amount Presented in the Balance Sheet 61,555 62,437
Derivative Asset, Not Offset, Policy Election Deduction (11,563) (3,780)
Derivative Asset, Fair Value of Collateral (38,078) (54,620)
Derivative Asset, Fair Value, Amount Offset Against Collateral 11,914 4,037
Derivative Liability, Fair Value, Gross Liability 20,814 26,848
Derivative Liability, Amount Offset by Asset 0 0
Derivative Liability, Net Amount Presented in the Balance Sheet 20,814 26,848
Derivative Liability, Not Offset, Policy Election Deduction (11,563) (3,780)
Derivative Liability, Fair Value of Collateral 0 0
Derivative Liability, Fair Value, Amount Offset Against Collateral 9,251 23,068
Derivatives not subject to master netting agreements    
Derivative Asset, Fair Value, Gross Asset 205 211
Derivative Asset, Amount Offset by Liabiilty 0 0
Derivative Asset, Not Subject to Master Netting Arrangement 205 211
Derivative Liability, Fair Value, Gross Liability 434 115
Derivative Liability, Amount Offset by Asset 0 0
Derivative Liability, Not Subject to Master Netting Arrangement $ 434 $ 115
[1]
* The fair value of each class of derivative is shown in Note 11.
v3.25.3
Resale and Repurchase Agreements (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Balance Sheet Offsetting [Line Items]    
Securities purchased under agreements to resell $ 850,000 $ 625,000
Total resale agreements, subject to master netting arrangements    
Balance Sheet Offsetting [Line Items]    
Securities Purchased under Agreements to Resell, Gross 850,000 625,000
Securities Purchased under Agreements to Resell, Liability 0 0
Securities purchased under agreements to resell 850,000 625,000
Securities Purchased under Agreements to Resell, Not Subject to Master Netting Arrangement 0 0
Securities Purchased under Agreements to Resell, Collateral, Obligation to Return Securities (850,000) (625,000)
Securities Purchased under Agreements to Resell, Amount Offset Against Collateral 0 0
Total repurchase agreements, subject to master netting arrangements    
Balance Sheet Offsetting [Line Items]    
Securities Sold under Agreements to Repurchase, Gross 2,335,405 2,803,043
Securities Sold under Agreements to Repurchase, Asset 0 0
Securities Sold under Agreements to Repurchase 2,335,405 2,803,043
Securities Sold under Agreements to Repurchase, Not Subject to Master Netting Arrangement 0 0
Securities Sold under Agreements to Repurchase, Collateral, Right to Reclaim Securities (2,335,405) (2,803,043)
Securities Sold under Agreements to Repurchase, Amount Offset Against Collateral $ 0 $ 0
v3.25.3
Resale and Repurchase Agreements Remaining Contractual Maturities of Repurchase Agreements (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
U.S. government and federal agency obligations    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability $ 276,573 $ 518,937
U.S. government and federal agency obligations | Overnight and continuous    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 276,573 518,937
U.S. government and federal agency obligations | Up to 90 days    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 0 0
U.S. government and federal agency obligations | Greater than 90 days    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 0 0
Government-sponsored enterprise obligations    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 10,823 9,969
Government-sponsored enterprise obligations | Overnight and continuous    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 10,823 9,969
Government-sponsored enterprise obligations | Up to 90 days    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 0 0
Government-sponsored enterprise obligations | Greater than 90 days    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 0 0
Agency mortgage-backed securities    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 1,433,630 1,673,006
Agency mortgage-backed securities | Overnight and continuous    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 1,402,280 1,641,156
Agency mortgage-backed securities | Up to 90 days    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 4,600 9,600
Agency mortgage-backed securities | Greater than 90 days    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 26,750 22,250
Non-agency mortgage-backed securities    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 22,203 24,273
Non-agency mortgage-backed securities | Overnight and continuous    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 22,203 24,273
Non-agency mortgage-backed securities | Up to 90 days    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 0 0
Non-agency mortgage-backed securities | Greater than 90 days    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 0 0
Asset-backed securities    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 463,201 511,691
Asset-backed securities | Overnight and continuous    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 412,891 462,841
Asset-backed securities | Up to 90 days    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 18,706 30,623
Asset-backed securities | Greater than 90 days    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 31,604 18,227
Other debt securities    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 128,975 65,167
Other debt securities | Overnight and continuous    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 128,975 65,167
Other debt securities | Up to 90 days    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 0 0
Other debt securities | Greater than 90 days    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 0 0
Total repurchase agreements, gross amount recognized    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 2,335,405 2,803,043
Total repurchase agreements, gross amount recognized | Overnight and continuous    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 2,253,745 2,722,343
Total repurchase agreements, gross amount recognized | Up to 90 days    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability 23,306 40,223
Total repurchase agreements, gross amount recognized | Greater than 90 days    
Assets Sold under Agreements to Repurchase [Line Items]    
Assets Sold under Agreements to Repurchase, Repurchase Liability $ 58,354 $ 40,477
v3.25.3
Stock-Based Compensation (Narrative) (Details) - USD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]        
Share-based Payment Arrangement, Expense $ 4.4 $ 4.3 $ 12.9 $ 12.7
Stock Appreciation Rights (SARs) [Member]        
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]        
Vesting period (in years)     4 years  
Contractual terms of stock options granted (in years)     10 years  
Restricted Stock | Minimum [Member]        
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]        
Vesting period (in years)     4 years  
Restricted Stock | Maximum [Member]        
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]        
Vesting period (in years)     7 years  
v3.25.3
Stock-Based Compensation (Summary Of The Status Of Nonvested Share Awards) (Details) - $ / shares
 9 Months Ended
Sep. 30, 2025
Dec. 31, 2024
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]    
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number 1,258,118 1,252,653
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period 295,082  
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period (251,027)  
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Forfeited in Period (38,590)  
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value $ 57.73 $ 55.41
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value 65.18  
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value 55.02  
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value $ 57.29  
v3.25.3
Stock-Based Compensation Stock-Based Compensation (Current Year Per Share Average Fair Value and Valuation Model Assumptions) (Details)
 9 Months Ended
Sep. 30, 2025
$ / shares
Current Year Per Share Average Fair Value and Valuation Model Assumptions [Abstract]  
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value $ 19.72
Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Expected Dividend Rate 1.70%
Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Expected Volatility Rate 29.60%
Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Risk Free Interest Rate 4.10%
Share-Based Compensation Arrangement by Share-Based Payment Award, Fair Value Assumptions, Expected Term 6 years
v3.25.3
Stock-Based Compensation (Summary Of SAR Activity) (Details) - USD ($)
$ / shares in Units, $ in Thousands
 9 Months Ended
Sep. 30, 2025
Dec. 31, 2024
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]    
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Number 813,480 841,962
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Grants in Period, Gross 38,770  
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Nonvested Options Forfeited, Number of Shares (2,533)  
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Expirations in Period (1,631)  
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercises in Period (63,088)  
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Weighted Average Exercise Price $ 50.36 $ 48.90
Share-Based Compensation Arrangements by Share-Based Payment Award, Options, Grants in Period, Weighted Average Exercise Price 64.93  
Share-Based Compensation Arrangements by Share-Based Payment Award, Options, Forfeitures in Period, Weighted Average Exercise Price 55.07  
Share-Based Compensation Arrangements by Share-Based Payment Award, Options, Expirations in Period, Weighted Average Exercise Price 54.87  
Share-Based Compensation Arrangements by Share-Based Payment Award, Options, Exercises in Period, Weighted Average Exercise Price $ 39.50  
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term 5 years  
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Intrinsic Value $ 8,057  
v3.25.3
Revenue from Contracts with Customers (Narrative) (Details)
 9 Months Ended
Sep. 30, 2025
Revenue from Contract with Customer [Abstract]  
Percent of Revenue not in scope of ASC 606 63.00%
Consumer segment  
Revenue, Major Customer [Line Items]  
Deposit fee revenue by segment 28.00%
Commercial segment  
Revenue, Major Customer [Line Items]  
Deposit fee revenue by segment 71.00%
v3.25.3
Revenue from Contracts with Customers (Schedule of Disaggregation of Revenue) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Disaggregation of Revenue [Line Items]        
Non-interest income $ 161,511 $ 159,025 $ 486,073 $ 460,117
Total non-interest income from contracts with customers        
Disaggregation of Revenue [Line Items]        
Non-interest income 148,747 146,754 449,111 425,760
Total non-interest income from contracts with customers | Trust fees        
Disaggregation of Revenue [Line Items]        
Non-interest income 58,412 54,689 170,575 158,085
Total non-interest income from contracts with customers | Bank card transaction fees        
Disaggregation of Revenue [Line Items]        
Non-interest income 45,551 47,570 137,506 141,977
Total non-interest income from contracts with customers | Deposit account charges and other fees        
Disaggregation of Revenue [Line Items]        
Non-interest income 27,427 25,380 80,297 74,856
Total non-interest income from contracts with customers | Consumer brokerage services        
Disaggregation of Revenue [Line Items]        
Non-interest income 6,698 4,619 16,866 13,505
Total non-interest income from contracts with customers | Other non-interest income        
Disaggregation of Revenue [Line Items]        
Non-interest income 10,659 14,496 43,867 37,337
Other non-interest income (1)        
Disaggregation of Revenue [Line Items]        
Non-interest income [1] $ 12,764 $ 12,271 $ 36,962 $ 34,357
[1] This revenue is not within the scope of ASC 606, and includes fees relating to bond trading activities, loan fees and sales, derivative instruments, standby letters of credit and various other transactions.
v3.25.3
Revenue from Contracts with Customers (Schedule of Contract with Customer, Asset and Liability) (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Sep. 30, 2024
Dec. 31, 2023
Bank card transaction fees        
Contract with Customer, Asset and Liability [Line Items]        
Contract with Customer, Receivable $ 14,100 $ 17,754 $ 15,701 $ 18,069
Trust fees        
Contract with Customer, Asset and Liability [Line Items]        
Contract with Customer, Receivable 2,174 2,165 2,198 1,764
Deposit account charges and other fees        
Contract with Customer, Asset and Liability [Line Items]        
Contract with Customer, Receivable 7,693 7,897 6,813 6,588
Consumer brokerage services        
Contract with Customer, Asset and Liability [Line Items]        
Contract with Customer, Receivable $ 0 $ 0 $ 0 $ 8
v3.25.3
Fair Value Measurements (Summary Of Assets And Liabilities Measured At Fair Value On A Recurring Basis) (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Fair Value Measurements [Line Items]    
Residential mortgage loans held for sale $ 2,163 $ 2,981
U.S. government and federal agency obligations 2,925,238 2,555,252
Government-sponsored enterprise obligations 44,746 42,849
State and municipal obligations 695,698 742,891
Agency mortgage-backed securities 3,291,338 3,444,891
Non-agency mortgage-backed securities 452,424 568,689
Asset-backed securities 1,395,349 1,557,015
Other debt securities 193,793 225,266
Trading debt securities 56,282 38,034
Equity securities 43,365 48,359
Private equity investments 181,505 184,386
Derivative Asset [1] 61,760 62,648
Assets held in trust for deferred compensation plan 22,789 21,849
Total assets 9,366,450 9,495,110
Derivative Liabilities [1] 21,248 26,963
Liabilities held in trust for deferred compensation plan 22,789 21,849
Total Liabilities 44,037 48,812
Quoted Prices in Active Markets for Identical Assets (Level 1)    
Fair Value Measurements [Line Items]    
Residential mortgage loans held for sale 0 0
U.S. government and federal agency obligations 2,925,238 2,555,252
Government-sponsored enterprise obligations 0 0
State and municipal obligations 0 0
Agency mortgage-backed securities 0 0
Non-agency mortgage-backed securities 0 0
Asset-backed securities 0 0
Other debt securities 0 0
Trading debt securities 13,082 10,219
Equity securities 43,365 48,359
Private equity investments 0 0
Derivative Asset [1] 0 0
Assets held in trust for deferred compensation plan 22,789 21,849
Total assets 3,004,474 2,635,679
Derivative Liabilities [1] 0 0
Liabilities held in trust for deferred compensation plan 22,789 21,849
Total Liabilities 22,789 21,849
Significant Other Observable Inputs (Level 2)    
Fair Value Measurements [Line Items]    
Residential mortgage loans held for sale 2,163 2,981
U.S. government and federal agency obligations 0 0
Government-sponsored enterprise obligations 44,746 42,849
State and municipal obligations 694,738 741,927
Agency mortgage-backed securities 3,291,338 3,444,891
Non-agency mortgage-backed securities 452,424 568,689
Asset-backed securities 1,395,349 1,557,015
Other debt securities 193,793 225,266
Trading debt securities 43,200 27,815
Equity securities 0 0
Private equity investments 0 0
Derivative Asset [1] 61,566 62,555
Assets held in trust for deferred compensation plan 0 0
Total assets 6,179,317 6,673,988
Derivative Liabilities [1] 21,143 26,905
Liabilities held in trust for deferred compensation plan 0 0
Total Liabilities 21,143 26,905
Significant Unobservable Inputs (Level 3)    
Fair Value Measurements [Line Items]    
Residential mortgage loans held for sale 0 0
U.S. government and federal agency obligations 0 0
Government-sponsored enterprise obligations 0 0
State and municipal obligations 960 964
Agency mortgage-backed securities 0 0
Non-agency mortgage-backed securities 0 0
Asset-backed securities 0 0
Other debt securities 0 0
Trading debt securities 0 0
Equity securities 0 0
Private equity investments 181,505 184,386
Derivative Asset [1] 194 93
Assets held in trust for deferred compensation plan 0 0
Total assets 182,659 185,443
Derivative Liabilities [1] 105 58
Liabilities held in trust for deferred compensation plan 0 0
Total Liabilities $ 105 $ 58
[1]
* The fair value of each class of derivative is shown in Note 11.
v3.25.3
Fair Value Measurements (Summary Of Changes In Level 3 Assets And Liabilities Measured At Fair Value On A Recurring Basis) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Fair Value Assets Measured on Recurring Basis [Roll Forward]        
Beginning balance $ 175,020 $ 179,274 $ 185,350 $ 177,614
Total gains (losses) (realized/unrealized), included in earnings 7,953 7,428 3,842 20,205
Total gains (losses) (realized/unrealized), included in other comprehensive income [1] 10 (2) (6) 3
Discount accretion 0 0 2 1
Purchase of private equity securities 560 375 6,986 11,322
Sales And Repayments Of Private Equity Securities (1,096) (15,139) (13,761) (37,103)
Capitalized interest/dividends 18 (12) 52 (118)
Ending balance 182,465 171,924 182,465 171,924
Total gains (losses) for the annual period included in earnings attributable to the change in unrealized gains or losses relating to assets still held at period end 7,953 7,428 4,641 10,480
Gains (Losses) included in OCI Attributable to Change in Unrealized Gains (Losses) Relating to Assets Still Held, Total 10 (2) $ (6) $ 3
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]     INVESTMENT SECURITIES GAINS (LOSSES), NET INVESTMENT SECURITIES GAINS (LOSSES), NET
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Asset, Gain (Loss), Statement of Other Comprehensive Income or Comprehensive Income [Extensible Enumeration]     Net unrealized gains (losses) on available for sale debt securities Net unrealized gains (losses) on available for sale debt securities
State and municipal obligations [Member]        
Fair Value Assets Measured on Recurring Basis [Roll Forward]        
Beginning balance 950 953 $ 964 $ 947
Total gains (losses) (realized/unrealized), included in earnings 0 0 0 0
Total gains (losses) (realized/unrealized), included in other comprehensive income [1] 10 (2) (6) 3
Discount accretion 0 0 2 1
Purchase of private equity securities 0 0 0 0
Sales And Repayments Of Private Equity Securities 0 0 0 0
Capitalized interest/dividends 0 0 0 0
Ending balance 960 951 960 951
Total gains (losses) for the annual period included in earnings attributable to the change in unrealized gains or losses relating to assets still held at period end 0 0 0 0
Gains (Losses) included in OCI Attributable to Change in Unrealized Gains (Losses) Relating to Assets Still Held, Total 10 (2) (6) 3
Private Equity Investments [Member]        
Fair Value Assets Measured on Recurring Basis [Roll Forward]        
Beginning balance 174,070 178,321 184,386 176,667
Total gains (losses) (realized/unrealized), included in earnings 7,953 7,428 3,842 20,205
Total gains (losses) (realized/unrealized), included in other comprehensive income [1] 0 0 0 0
Discount accretion 0 0 0 0
Purchase of private equity securities 560 375 6,986 11,322
Sales And Repayments Of Private Equity Securities (1,096) (15,139) (13,761) (37,103)
Capitalized interest/dividends 18 (12) 52 (118)
Ending balance 181,505 170,973 181,505 170,973
Total gains (losses) for the annual period included in earnings attributable to the change in unrealized gains or losses relating to assets still held at period end 7,953 7,428 4,641 10,480
Gains (Losses) included in OCI Attributable to Change in Unrealized Gains (Losses) Relating to Assets Still Held, Total $ 0 $ 0 $ 0 $ 0
[1]
* Included in "net unrealized gains (losses) on available for sale debt securities" in the consolidated statements of comprehensive income.
v3.25.3
Fair Value Measurements (Summary Of Gains And Losses On Level 3 Assets And Liabilities) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Gains and Losses included in earnings for Level 3 assets & liabilities [Line Items]        
Change in unrealized gains or losses relating to assets still held at period end $ 7,953 $ 7,428 $ 4,641 $ 10,480
Investment Securities Gains (Losses), Net        
Gains and Losses included in earnings for Level 3 assets & liabilities [Line Items]        
Total gains or losses included in earnings 7,953 7,428 3,842 20,205
Change in unrealized gains or losses relating to assets still held at period end $ 7,953 $ 7,428 $ 4,641 $ 10,480
v3.25.3
Fair Value Measurements (Summary Of Quantitative Information About Level 3 Fair Value Measurements) (Details) - Private Equity Investments [Member]
 9 Months Ended
Sep. 30, 2025
Fair Value Assets Measured on Recurring Basis [Line Items]  
Valuation Technique Market comparable companies
Minimum [Member]  
Fair Value Assets Measured on Recurring Basis [Line Items]  
EBITDA multiple 3.8
Maximum [Member]  
Fair Value Assets Measured on Recurring Basis [Line Items]  
EBITDA multiple 6.0
Weighted Average [Member]  
Fair Value Assets Measured on Recurring Basis [Line Items]  
EBITDA multiple 5.0 [1]
[1]
* Unobservable inputs were weighted by the relative fair value of the instruments.
v3.25.3
Fair Value Measurements (Schedule of Fair Value Disclosures Measured On Nonrecurring Basis) (Details) - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Fair Value, Concentration of Risk, Financial Statement Captions [Line Items]    
Collateral Dependent Loans $ 249 $ 14,872
Loans Nonrecurring Basis Gains (Losses) (435) (2,646)
Long-lived assets 301 0
Long Lived Assets Nonrecurring Basis Gains Losses (99) 0
Quoted Prices in Active Markets for Identical Assets (Level 1)    
Fair Value, Concentration of Risk, Financial Statement Captions [Line Items]    
Collateral Dependent Loans 0 0
Long-lived assets 0 0
Significant Other Observable Inputs (Level 2)    
Fair Value, Concentration of Risk, Financial Statement Captions [Line Items]    
Collateral Dependent Loans 0 0
Long-lived assets 0 0
Significant Unobservable Inputs (Level 3)    
Fair Value, Concentration of Risk, Financial Statement Captions [Line Items]    
Collateral Dependent Loans 249 14,872
Long-lived assets $ 301 $ 0
v3.25.3
Fair Value Of Financial Instruments (Schedule Of Estimated Fair Value Of Financial Instruments) (Details) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Carrying Amount    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans $ 17,786,767 $ 17,220,103
Loans held for sale 2,538 3,242
Investment securities 9,325,663 9,453,297
Federal Funds Sold 0 3,000
Securities purchased under agreements to resell 850,000 625,000
Interest earning deposits with banks 2,477,668 2,624,553
Cash and due from banks 476,441 748,357
Derivative Asset 61,760 62,648
Assets held in trust for deferred compensation plan 22,789 21,849
Assets, Fair Value Financial Instruments 31,003,626 30,762,049
Non-interest bearing deposits 7,489,645 8,150,669
Savings, interest checking and money market deposits 15,551,799 14,754,571
Certificates of deposits 2,416,605 2,388,404
Federal funds purchased 137,660 123,715
Securities sold under agreements to repurchase 2,335,405 2,803,043
Other borrowings 9,203 0
Derivative Liabilities 21,248 26,963
Liabilities held in trust for deferred compensation plan 22,789 21,849
Financial Liabilities Fair Value Disclosure 27,984,354 28,269,214
Carrying Amount | Business Loan [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 6,414,792 6,053,820
Carrying Amount | Real estate - construction and land    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 1,433,652 1,409,901
Carrying Amount | Business Real Estate Loan [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 3,745,000 3,661,218
Carrying Amount | Personal Real Estate Loan [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 3,070,980 3,058,195
Carrying Amount | Consumer Loan [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 2,171,599 2,073,123
Carrying Amount | Revolving home equity    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 364,241 356,650
Carrying Amount | Credit Card Receivable [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 575,317 595,930
Carrying Amount | Overdrafts    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 11,186 11,266
Estimate of Fair Value Measurement [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 17,309,863 16,593,252
Loans held for sale 2,538 3,242
Investment securities 9,325,663 9,453,297
Federal Funds Sold 0 3,000
Securities purchased under agreements to resell 872,979 622,021
Interest earning deposits with banks 2,477,668 2,624,553
Cash and due from banks 476,441 748,357
Derivative Asset 61,760 62,648
Assets held in trust for deferred compensation plan 22,789 21,849
Assets, Fair Value Financial Instruments 30,549,701 30,132,219
Non-interest bearing deposits 7,489,645 8,150,669
Savings, interest checking and money market deposits 15,551,799 14,754,571
Certificates of deposits 2,444,873 2,409,537
Federal funds purchased 137,660 123,715
Securities sold under agreements to repurchase 2,338,259 2,806,428
Other borrowings 9,203 0
Derivative Liabilities 21,248 26,963
Liabilities held in trust for deferred compensation plan 22,789 21,849
Financial Liabilities Fair Value Disclosure 28,015,476 28,293,732
Estimate of Fair Value Measurement [Member] | Business Loan [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 6,342,647 5,943,565
Estimate of Fair Value Measurement [Member] | Real estate - construction and land    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 1,410,678 1,384,029
Estimate of Fair Value Measurement [Member] | Business Real Estate Loan [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 3,693,145 3,558,862
Estimate of Fair Value Measurement [Member] | Personal Real Estate Loan [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 2,810,106 2,738,880
Estimate of Fair Value Measurement [Member] | Consumer Loan [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 2,160,896 2,053,191
Estimate of Fair Value Measurement [Member] | Revolving home equity    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 361,245 353,731
Estimate of Fair Value Measurement [Member] | Credit Card Receivable [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 520,076 549,874
Estimate of Fair Value Measurement [Member] | Overdrafts    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 11,070 11,120
Estimate of Fair Value Measurement [Member] | Level 1    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 0 0
Loans held for sale 0 0
Investment securities 2,981,685 2,613,830
Federal Funds Sold 0 3,000
Securities purchased under agreements to resell 0 0
Interest earning deposits with banks 2,477,668 2,624,553
Cash and due from banks 476,441 748,357
Derivative Asset 0 0
Assets held in trust for deferred compensation plan 22,789 21,849
Assets, Fair Value Financial Instruments 5,958,583 6,011,589
Non-interest bearing deposits 7,489,645 8,150,669
Savings, interest checking and money market deposits 15,551,799 14,754,571
Certificates of deposits 0 0
Federal funds purchased 137,660 123,715
Securities sold under agreements to repurchase 0 0
Other borrowings 7,908 0
Derivative Liabilities 0 0
Liabilities held in trust for deferred compensation plan 22,789 21,849
Financial Liabilities Fair Value Disclosure 23,209,801 23,050,804
Estimate of Fair Value Measurement [Member] | Level 1 | Business Loan [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 0 0
Estimate of Fair Value Measurement [Member] | Level 1 | Real estate - construction and land    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 0 0
Estimate of Fair Value Measurement [Member] | Level 1 | Business Real Estate Loan [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 0 0
Estimate of Fair Value Measurement [Member] | Level 1 | Personal Real Estate Loan [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 0 0
Estimate of Fair Value Measurement [Member] | Level 1 | Consumer Loan [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 0 0
Estimate of Fair Value Measurement [Member] | Level 1 | Revolving home equity    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 0 0
Estimate of Fair Value Measurement [Member] | Level 1 | Credit Card Receivable [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 0 0
Estimate of Fair Value Measurement [Member] | Level 1 | Overdrafts    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 0 0
Estimate of Fair Value Measurement [Member] | Level 2    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 0 0
Loans held for sale 2,538 3,242
Investment securities 6,115,588 6,608,452
Federal Funds Sold 0 0
Securities purchased under agreements to resell 0 0
Interest earning deposits with banks 0 0
Cash and due from banks 0 0
Derivative Asset 61,566 62,555
Assets held in trust for deferred compensation plan 0 0
Assets, Fair Value Financial Instruments 6,179,692 6,674,249
Non-interest bearing deposits 0 0
Savings, interest checking and money market deposits 0 0
Certificates of deposits 0 0
Federal funds purchased 0 0
Securities sold under agreements to repurchase 0 0
Other borrowings 1,295 0
Derivative Liabilities 21,143 26,905
Liabilities held in trust for deferred compensation plan 0 0
Financial Liabilities Fair Value Disclosure 22,438 26,905
Estimate of Fair Value Measurement [Member] | Level 2 | Business Loan [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 0 0
Estimate of Fair Value Measurement [Member] | Level 2 | Real estate - construction and land    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 0 0
Estimate of Fair Value Measurement [Member] | Level 2 | Business Real Estate Loan [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 0 0
Estimate of Fair Value Measurement [Member] | Level 2 | Personal Real Estate Loan [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 0 0
Estimate of Fair Value Measurement [Member] | Level 2 | Consumer Loan [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 0 0
Estimate of Fair Value Measurement [Member] | Level 2 | Revolving home equity    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 0 0
Estimate of Fair Value Measurement [Member] | Level 2 | Credit Card Receivable [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 0 0
Estimate of Fair Value Measurement [Member] | Level 2 | Overdrafts    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 0 0
Estimate of Fair Value Measurement [Member] | Significant Unobservable Inputs (Level 3)    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 17,309,863 16,593,252
Loans held for sale 0 0
Investment securities 228,390 231,015
Federal Funds Sold 0 0
Securities purchased under agreements to resell 872,979 622,021
Interest earning deposits with banks 0 0
Cash and due from banks 0 0
Derivative Asset 194 93
Assets held in trust for deferred compensation plan 0 0
Assets, Fair Value Financial Instruments 18,411,426 17,446,381
Non-interest bearing deposits 0 0
Savings, interest checking and money market deposits 0 0
Certificates of deposits 2,444,873 2,409,537
Federal funds purchased 0 0
Securities sold under agreements to repurchase 2,338,259 2,806,428
Other borrowings 0 0
Derivative Liabilities 105 58
Liabilities held in trust for deferred compensation plan 0 0
Financial Liabilities Fair Value Disclosure 4,783,237 5,216,023
Estimate of Fair Value Measurement [Member] | Significant Unobservable Inputs (Level 3) | Business Loan [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 6,342,647 5,943,565
Estimate of Fair Value Measurement [Member] | Significant Unobservable Inputs (Level 3) | Real estate - construction and land    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 1,410,678 1,384,029
Estimate of Fair Value Measurement [Member] | Significant Unobservable Inputs (Level 3) | Business Real Estate Loan [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 3,693,145 3,558,862
Estimate of Fair Value Measurement [Member] | Significant Unobservable Inputs (Level 3) | Personal Real Estate Loan [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 2,810,106 2,738,880
Estimate of Fair Value Measurement [Member] | Significant Unobservable Inputs (Level 3) | Consumer Loan [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 2,160,896 2,053,191
Estimate of Fair Value Measurement [Member] | Significant Unobservable Inputs (Level 3) | Revolving home equity    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 361,245 353,731
Estimate of Fair Value Measurement [Member] | Significant Unobservable Inputs (Level 3) | Credit Card Receivable [Member]    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 520,076 549,874
Estimate of Fair Value Measurement [Member] | Significant Unobservable Inputs (Level 3) | Overdrafts    
Fair Value, Balance Sheet Grouping [Line Items]    
Loans 11,070 11,120
Federal Funds Sold 0 3,000
Securities purchased under agreements to resell 850,000 625,000
Interest earning deposits with banks 2,477,668 2,624,553
Cash and due from banks 476,441 748,357
Derivative Asset [1] 61,760 62,648
Assets held in trust for deferred compensation plan 22,789 21,849
Non-interest bearing deposits 7,489,645 8,150,669
Savings, interest checking and money market deposits 15,551,799 14,754,571
Other borrowings 9,270 56
Derivative Liabilities [1] 21,248 26,963
Liabilities held in trust for deferred compensation plan 22,789 21,849
Level 1    
Fair Value, Balance Sheet Grouping [Line Items]    
Derivative Asset [1] 0 0
Assets held in trust for deferred compensation plan 22,789 21,849
Derivative Liabilities [1] 0 0
Liabilities held in trust for deferred compensation plan 22,789 21,849
Level 2    
Fair Value, Balance Sheet Grouping [Line Items]    
Derivative Asset [1] 61,566 62,555
Assets held in trust for deferred compensation plan 0 0
Derivative Liabilities [1] 21,143 26,905
Liabilities held in trust for deferred compensation plan 0 0
Significant Unobservable Inputs (Level 3)    
Fair Value, Balance Sheet Grouping [Line Items]    
Derivative Asset [1] 194 93
Assets held in trust for deferred compensation plan 0 0
Derivative Liabilities [1] 105 58
Liabilities held in trust for deferred compensation plan $ 0 $ 0
[1]
* The fair value of each class of derivative is shown in Note 11.