Company: WAL-PA
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0001628280-25-047883
Chunk: 88

Company: WESTERN ALLIANCE BANCORPORATION
Filing Date: 2025-11-03
Form: 10-Q
Item: Part I, Item 1
Chunk 88
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, is included in Other assets on the Consolidated Balance Sheet. In addition to the ACL on funded loans HFI, the Company maintains a separate ACL related to off-balance sheet credit exposures, including unfunded loan commitments. This allowance is included in Other liabilities on the Consolidated Balance Sheet.The below table reflects the activity in the ACL on unfunded loan commitments:Three Months Ended September 30,Nine Months Ended September 30,2025202420252024(in millions)Balance, beginning of period$39.2 $35.9 $39.5 $31.6 Provision for credit losses 3.1 1.7 2.8 6.0 Balance, end of period $42.3 $37.6 $42.3 $37.6 The following tables disaggregate the Company's ACL on funded loans HFI and loan balances by measurement methodology: September 30, 2025LoansAllowanceCollectively Evaluated for Credit LossIndividually Evaluated for Credit LossTotalCollectively Evaluated for Credit LossIndividually Evaluated for Credit LossTotal(in millions)Mortgage finance$6,574 $— $6,574 $5.0 $— $5.0 Municipal & nonprofit1,554 5 1,559 11.7 0.4 12.1 Tech & innovation3,775 43 3,818 42.8 10.3 53.1 Equity fund resources993 — 993 2.6 — 2.6 Other commercial and industrial12,803 132 12,935 107.1 38.9 146.0 CRE - owner occupied1,528 3 1,531 3.3 — 3.3 Hotel franchise finance4,006 — 4,006 38.1 — 38.1 Other CRE - non-owner occupied6,736 187 6,923 102.0 29.7 131.7 Residential13,158 — 13,158 22.1 — 22.1 Residential EBO956 — 956 — — — Construction and land development3,910 137 4,047 24.0 — 24.0 Other144 2 146 2.4 —