Company: WAL-PA
Filing Date: 2025-08-01
Form Type: 10-Q
Source: 0001212545-25-000214
Chunk: 301

Company: WESTERN ALLIANCE BANCORPORATION
Filing Date: 2025-08-01
Form: 10-Q
Item: Part I, Item 8
Chunk 301
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7 8.4 Other2.0 0.5 0.2 3.3 0.9 0.3 Total$394.7 100.0 %100.0 %$373.8 100.0 %100.0 %

During the three months ended June 30, 2025 and 2024, annualized net loan charge-offs to average loans outstanding were 0.22% and 0.18%, 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 $39.2 million and $39.5 million at June 30, 2025 and December 31, 2024, respectively, and is included in Other liabilities on the Consolidated Balance Sheet. 

79

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: 

June 30, 2025Number of LoansProblem Loan BalancePercent of Problem Loan BalancePercent of Total Loans HFI(dollars in millions)Other commercial and industrial102 $345 31.9 %0.62 %CRE - owner occupied15 26 2.4 0.05 Hotel franchise finance4 169 15.6 0.30 Other CRE - non-owner occupied16 360 33.2 0.64 Residential86 53 4.9 0.10 Construction and land development5 128 11.8 0.23 Other32 2 0.2 0.00 Total260 $1,083 100.0 %1.94 %

December 31, 2024Number of LoansProblem Loan BalancePercent of Problem Loan BalancePercent of Total Loans HFI(dollars in millions)Municipal & nonprofit2 $18 3.7 %0.03 %Other commercial and industrial89 121 24.8 0.23 CRE - owner occupied9 7 1.4 0.01 Hotel franchise finance8 112 22.9 0.21 Other CRE - non-owner occupied9 136 27.8