Company: WAL-PA
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0001628280-25-047883
Chunk: 166

Company: WESTERN ALLIANCE BANCORPORATION
Filing Date: 2025-11-03
Form: 10-Q
Item: Part I, Item 1
Chunk 166
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.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 30, 2025Number of LoansProblem Loan BalancePercent of Problem Loan BalancePercent of Total Loans HFI(dollars in millions)Other commercial and industrial126 $321 40.8 %0.57 %CRE - owner occupied16 18 2.3 0.03 Hotel franchise finance2 90 11.4 0.16 Other CRE - non-owner occupied13 276 35.1 0.49 Residential74 47 6.0 0.08 Construction and land development3 32 4.1 0.06 Other31 2 0.3 0.00 Total265 $786 100.0 %1.39 %

79

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