Company: FITBI
Filing Date: 2025-11-04
Form Type: 10-Q
Source: 0000035527-25-000212
Chunk: 214

Company: FIFTH THIRD BANCORP
Filing Date: 2025-11-04
Form: 10-Q
Item: Item 1
Chunk 214
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, 2025 ($ in millions)OutstandingExposureNonaccrualBy State: Florida$1,462 2,393 —  Texas1,099 1,826 —  Ohio808 1,295 —  Michigan751 983 —  California736 1,175 —  Illinois705 921 1  North Carolina462 717 —  Georgia457 804 —  South Carolina330 386 —  New York307 353 2 All other states3,495 4,658 3 Total$10,612 15,511 6 

(a)Included in commercial mortgage loans and commercial construction loans in the Loans and Leases subsection of the Balance Sheet Analysis section of MD&A.

36

Table of ContentsManagement’s Discussion and Analysis of Financial Condition and Results of Operations (continued)

TABLE 32:  Nonowner-Occupied Commercial Real Estate (excluding loans held for sale)(a)As of December 31, 2024 ($ in millions)OutstandingExposureNonaccrualBy State: Florida$1,543 2,526 —  Texas905 1,714 2  Ohio835 1,231 1  Michigan775 926 —  California1,080 1,714 —  Illinois1,123 1,275 2  North Carolina572 782 —  Georgia429 842 —  South Carolina699 763 —  New York468 524 — All other states2,801 3,929 — Total$11,230 16,226 5 

(a)Included in commercial mortgage loans and commercial construction loans in the Loans and Leases subsection of the Balance Sheet Analysis section of MD&A.

Net charge-offs on nonowner-occupied commercial real estate loans were immaterial for both the three and nine months ended September 30, 2025 and 2024.

Consumer Portfolio

The Bancorp’s consumer portfolio is materially comprised of six categories of loans: residential mortgage loans, home equity, indirect secured consumer loans, credit card, solar energy installation loans and other consumer loans. The Bancorp has identified certain credit characteristics within these six categories of loans which it believes represent a higher level of risk compared to the rest of the consumer loan portfolio. The Bancorp does not update LTVs for the