Company: WAL-PA
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0001628280-25-047883
Chunk: 309

Company: WESTERN ALLIANCE BANCORPORATION
Filing Date: 2025-11-03
Form: 10-Q
Item: Part I, Item 8
Chunk 309
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11.5 %Municipal & nonprofit12.1 2.8 2.8 14.7 3.9 3.0 Tech & innovation53.1 12.1 6.7 55.9 15.0 6.3 Equity fund resources2.6 0.6 1.8 1.6 0.4 1.7 Other commercial and industrial146.0 33.2 22.8 79.4 21.2 20.9 CRE - owner occupied3.3 0.7 2.7 3.4 0.9 3.1 Hotel franchise finance38.1 8.7 7.1 35.3 9.4 7.1 Other CRE - non-owner occupied131.7 29.9 12.2 134.4 36.0 11.8 Residential22.1 5.0 23.2 19.7 5.3 24.1 Residential - EBO— — 1.7 — — 1.8 Construction and land development24.0 5.4 7.1 21.3 5.7 8.4 Other2.4 0.5 0.3 3.3 0.9 0.3 Total$440.4 100.0 %100.0 %$373.8 100.0 %100.0 %

During the three months ended September 30, 2025 and 2024, annualized net loan charge-offs to average loans outstanding were 0.22% and 0.20%, respectively.

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 balance totaled $42.3 million and $39.5 million at September 30, 2025 and December 31, 2024, respectively, and is included in Other liabilities on the Consolidated Balance Sheet. 

Problem Loans

The Company classifies loans consistent with federal banking regulations using a nine category grading system. The following table presents information regarding potential and actual problem loans, consisting of loans graded as Special Mention, Substandard, Doubtful, and Loss, but which are still performing: 

September