Company: CMA
Filing Date: 2025-10-28
Form Type: 10-Q
Source: 0000028412-25-000235
Chunk: 181

Company: COMERICA INC
Filing Date: 2025-10-28
Form: 10-Q
Item: Part I, Item 8
Chunk 181
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 million, respectively, on nonaccrual loans.(in millions)Nonaccrual Loans with No Related AllowanceNonaccrual Loans with Related AllowanceTotal Nonaccrual LoansSeptember 30, 2025Business loans:Commercial$9 $107 $116 Real estate construction:Commercial Real Estate business line (a)— 12 12 Total real estate construction— 12 12 Commercial mortgage:Commercial Real Estate business line (a)— 8 8 Other business lines (b)4 55 59 Total commercial mortgage4 63 67 Total business loans13 182 195 Retail loans:Residential mortgage34 — 34 Consumer:Home equity29 — 29 Total retail loans63 — 63 Total nonaccrual loans$76 $182 $258 December 31, 2024Business loans:Commercial$9 $116 $125 Commercial mortgage:Commercial Real Estate business line (a)— 49 49 Other business lines (b)7 62 69 Total commercial mortgage7 111 118 Lease financing— 1 1 Total business loans16 228 244 Retail loans:Residential mortgage37 — 37 Consumer:Home equity27 — 27 Total consumer27 — 27 Total retail loans64 — 64 Total nonaccrual loans$80 $228 $308 (a)Primarily loans to real estate developers.(b)Primarily loans secured by owner-occupied real estate.16

Table of ContentsNotes to Consolidated Financial Statements (unaudited)Comerica Incorporated and SubsidiariesForeclosed PropertiesForeclosed properties were $2 million at September 30, 2025 and insignificant at December 31, 2024. Retail loans secured by residential real estate properties in process of foreclosure included in nonaccrual loans were $3 million at September 30, 2025 and $4 million at December 31, 2024.Loan Modifications Made to Borrowers Experiencing Financial Difficulty As part of its loss mitigation efforts, the Corporation may modify loans to borrowers experiencing financial difficulty in a manner resulting in an interest rate reduction, other-than-insignificant payment delay, a term extension, principal forgiveness or a combination thereof (collectively referred to as Financially Distressed Modifications, or FDMs).The following table displays the amortized cost