Company: WAL-PA
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0001628280-25-047883
Chunk: 165

Company: WESTERN ALLIANCE BANCORPORATION
Filing Date: 2025-11-03
Form: 10-Q
Item: Part I, Item 1
Chunk 165
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 consisted of term extensions, payment delays, and interest rate reductions. Certain of these loans were repooled or resold after modification and are no longer included in the pool of loan modifications being monitored for future performance. As of September 30, 2025, modified EBO loans consisted of $94 million in loans that were current to 89 days delinquent and $33 million in loans 90 days or more delinquent. As of December 31, 2024, modified EBO loans consisted of $29 million in loans that were current to 89 days delinquent and $11 million in loans 90 days or more delinquent.

78

Allowance for Credit Losses on Loans HFI

The ACL consists of an ACL on loans and on unfunded loan commitments. The ACL on AFS and HTM securities is estimated separately from loans and is discussed within the Investment Securities section. 

The following table summarizes the allocation of the ACL on loans HFI by loan portfolio segment: 

September 30, 2025December 31, 2024Allowance for credit lossesPercent of total allowance for credit lossesPercent of loan type to total loans HFIAllowance for credit lossesPercent of total allowance for credit lossesPercent of loan type to total loans HFI(dollars in millions)Mortgage finance$5.0 1.1 %11.6 %$4.8 1.3 %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