Company: WBS-PG
Filing Date: 2025-08-11
Form Type: 10-Q
Source: 0000801337-25-000083
Chunk: 179

Company: WEBSTER FINANCIAL CORP
Filing Date: 2025-08-11
Form: 10-Q
Item: Part I, Item 2
Chunk 179
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 to determine if a borrower is experiencing financial difficulty. These considerations vary by portfolio class. The Company has identified modifications to borrowers experiencing financial difficulty that are included in its disclosures as follows: •Commercial: The Company evaluates modifications of loans to commercial borrowers that are rated substandard or worse, and includes the modifications in its disclosures to the extent that the modification is considered other-than-insignificant.•Consumer: The Company generally evaluates all modifications of loans to consumer borrowers subject to its loss mitigation program and includes them in its disclosures to the extent that the modification is considered other-than-insignificant.The following tables summarize the amortized cost basis at June 30, 2025, and 2024, of loans modified to borrowers experiencing financial difficulty, disaggregated by class and type of concession granted:Three months ended June 30, 2025Combination(Dollars in thousands)Interest Rate ReductionTerm ExtensionPayment DelayTerm Extension & Interest Rate ReductionTerm Extension & Payment DelayInterest Rate Reduction & Payment DelayTerm Extension, Interest Rate Reduction, & Payment DelayTotal% of Total Class (2)Commercial non-mortgage$—$43,425$13,161$399$51,313$—$77$108,3750.6  %Asset-based—11,487—————11,4870.9 Commercial real estate—18,978—————18,9780.1 Multi-family1,9816,340———13,241—21,5620.3 Equipment financing—3,842—————3,8420.3 Home equity———26———26— Total (1)$1,981$84,072$13,161$425$51,313$13,241$77$164,2700.3  %Six months ended June 30, 2025Combination(Dollars in thousands)Interest Rate ReductionTerm ExtensionPayment DelayTerm Extension & Interest Rate ReductionTerm Extension & Payment Delay Interest Rate Reduction & Payment DelayTerm Extension, Interest Rate Reduction, & Payment DelayTotal% of Total Class (2)Commercial non-mortgage$—$84,290$13,161$506$51,313$—$77$149,3470.8  %Asset-based—11,487—————11,4870.9 Commercial real estate—39,607512————40,1190.3 Multi-family1,9818,034———13,241—23,2560.3