Company: WBS-PG
Filing Date: 2025-11-10
Form Type: 10-Q
Source: 0000801337-25-000104
Chunk: 128

Company: WEBSTER FINANCIAL CORP
Filing Date: 2025-11-10
Form: 10-Q
Item: Part I, Item 2
Chunk 128
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 are considered by management to be key measures of asset quality.

The following table summarizes key asset quality ratios and their underlying components:(Dollars in thousands)September 30,2025December 31, 2024Non-performing loans and leases (1) (2)$543,928 $461,326 Total loans and leases55,052,081 52,505,168 Non-performing loans and leases as a percentage of total loans and leases 0.99 %0.88 %Non-performing loans and leases (1) (2)$543,928 $461,326 Add: OREO and repossessed assets1,399 425 Total non-performing assets (1)$545,327 $461,751 Total loans and leases plus OREO and repossessed assets$55,053,480 $52,505,593 Non-performing assets as a percentage of total loans and leases plus OREO   and repossessed assets0.99 %0.88 %Non-performing assets (1)$545,327 $461,751 Total assets83,192,652 79,025,073 Non-performing assets as a percentage of total assets 0.66 %0.58 %ACL on loans and leases$727,897 $689,566 Non-performing loans and leases (1) (2)543,928 461,326 ACL on loans and leases as a percentage of non-performing loans and leases133.82 %149.47 %ACL on loans and leases$727,897 $689,566 Total loans and leases55,052,081 52,505,168 ACL on loans and leases as a percentage of total loans and leases1.32 %1.31 %ACL on loans and leases$727,897$689,566Net charge-offs (annualized)172,949166,914Ratio of ACL on loans and leases to net charge-offs (annualized)4.21x4.13x

(1)Non-performing asset balances and related asset quality ratios exclude the impact of net unamortized (discounts)/premiums and net unamortized deferred (fees)/costs on loans and leases.

(2)The change from December 31, 2024, to September 30, 2025, is primarily due to increases in non-per