Company: WAL-PA
Filing Date: 2025-08-01
Form Type: 10-Q
Source: 0001212545-25-000214
Chunk: 31

Company: WESTERN ALLIANCE BANCORPORATION
Filing Date: 2025-08-01
Form: 10-Q
Item: Part I, Item 2
Chunk 31
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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: 

June 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)Warehouse lending$5.9 1.5 %15.3 %$6.4 1.7 %15.3 %Municipal & nonprofit11.3 2.9 2.9 14.7 3.9 3.0 Tech & innovation45.7 11.6 6.6 55.9 15.0 6.3 Equity fund resources2.2 0.6 1.5 1.6 0.4 1.7 Other commercial and industrial109.2 27.6 18.7 77.8 20.8 17.1 CRE - owner occupied3.9 1.0 2.9 3.4 0.9 3.1 Hotel franchise finance36.0 9.1 7.0 35.3 9.4 7.1 Other CRE - non-owner occupied125.0 31.7 11.7 134.4 36.0 11.8 Residential19.9 5.0 23.5 19.7 5.3 24.1 Residential - EBO— — 1.7 — — 1.8 Construction and land development33.6 8.5 8.0 21.3 5.7 8.4 Other2.0 0.5 0.2 3.3 0.9 0.3 Total$394.7 100.0 %100.0 %$373.8 100