AddedRisk Factors
•increased collateral requirements including those driven by a decline in the market value of the financial instruments;
The 10-K against last year's
416 changes: 38 added, 52 removed, 322 reworded, 4 quiet changes
10-K 0000035527-26-000124 (2026-02-24) vs 10-K 0000035527-25-000079 (2025-02-24)
The redline
The paragraph that changed most in each section
Marked against last year's 10-K:
cut words struck through, new words highlighted and underlined.
Risk Factors 315 words changed in this paragraph; it is 45% similar to last year's version.
Fifth Third’s income and cash flows depend to a great extent on the difference between the interest rates earned on interest-earning assets such as loans and investment securities and the interest rates paid on interest-bearing liabilities such as deposits and borrowings. These rates are highly sensitive to many factors that are beyond Fifth Third’s control, including general economic conditions in the U.S. or abroad and the policies of various governmental and regulatory agencies (in particular, the FRB). Changes in monetary policy, including changes in interest rates and inflation, could influence the origination of loans, the prepayment speed of loans, the purchase of investments, the generation of deposits and the rates received on loans and investment securities and paid on deposits or other sources of funding as well as customers’ ability to repay loans. For example, a tightening of the money supply by the FRB could reduce the demand for a borrower’s products and services. This could adversely affect the borrower’s earnings and ability to repay a loan, which could have a material adverse effect on Fifth Third’s financial condition and results of operations. The impact of these changes may be magnified if Fifth Third does not effectively manage the relative sensitivity of its assets and liabilities to changes in market interest rates. Fluctuations in these areas may adversely affect Fifth Third, its customers and its shareholders. Throughout 2022 and 2023, the Federal Reserve raised the federal funds rate to between 5.25% and 5.5% in an effort to curb inflation. Although the FRB reduced benchmark rates in the second half of 2024, they remain higher than in previous years, and the inflationary outlook in the U.S. is currently uncertain. To the extent inflation increases and market interest rates rise, the value of Fifth Third’s investment securities, particularly those that have fixed rates or longer maturities, could decrease. Persistent or increasing inflation could lead to the FRB reversing recent reductions in interest rates. Increasing rates would also increase debt service requirements for some of Fifth Third’s borrowers and may adversely affect those borrowers’ ability to pay as contractually obligated and could result in additional delinquencies or charge-offs. Further, any increase in market interest rates is likely to reduce Fifth Third’s loan origination volume, particularly refinance volume, and/or reduce its interest rate spread, which could have an adverse effect on Fifth Third’s profitability and results of operations. Conversely, a lowering in interest rates would likely further reduce the interest Fifth Third earns on loans and other earning assets. Fifth Third cannot predict the nature or timing of future changes in monetary policies or the precise effects that they may have on Fifth Third’s activities and financial results.
Source: Item 1A, 10-K 0000035527-26-000124 vs Item 1A, 10-K 0000035527-25-000079
Legal Proceedings 259 words changed in this paragraph; it is 75% similar to last year's version.
In April 2006, the Bancorp was added as a defendant in a consolidated antitrust class action lawsuit originally filed against Visa®, MasterCard® and several other major financial institutions in the United States District Court for the Eastern District of New York (In re: Payment Card Interchange Fee and Merchant Discount Antitrust Litigation, Case No. 5-MD-1720). The plaintiffs, merchants operating commercial businesses throughout the U.S. and trade associations, claimed that the interchange fees charged by card-issuing banks were unreasonable and sought injunctive relief and unspecified damages. In addition to being a named defendant, the Bancorp is currently also subject to a possible indemnification obligation of Visa as discussed in Note 18 and has also entered into judgment and loss sharing agreements with Visa, MasterCard and certain other named defendants. In October 2012, the parties to the litigation entered into a settlement agreement that was initially approved by the trial court but reversed by the U.S. Second Circuit Court of Appeals and remanded to the district court for further proceedings. More than 500 of the merchants who requested exclusion from the class filed separate federal lawsuits against Visa, MasterCard and certain other defendants alleging similar antitrust violations. These individual federal lawsuits were transferred to the United States District Court for the Eastern District of New York. While York, and the Bancorp is only named as a defendant in one of the individual federal lawsuits, it may have obligations in these matters pursuant to indemnification arrangements and/or the judgment or loss sharing agreements noted above. On September 17, 2018, the defendants in the consolidated class action signed a second settlement agreement (the “Amended Settlement Agreement”) resolving the claims seeking monetary damages by the proposed plaintiffs’ class (the “Plaintiff Damages Class”) and superseding the original Class”). The settlement agreement entered into in October 2012. The Amended Settlement Agreement included, among other terms, a release from participating class members for liability for claims that accrue no later than five years after the Amended Settlement Agreement becomes final. The Amended Settlement Agreement provided for a total payment by all defendants of approximately $ 6.24 billion, composed of approximately $ 5.34 billion held in escrow plus an additional $ 900 million in new funds. Pursuant to the terms of the Settlement Agreement, $ 700 million of the additional $ 900 million has been returned to the defendants due to the level of opt-outs from the class. The Bancorp’s allocated share of the settlement is within existing reserves, including funds maintained in escrow. billion. On December 13, 2019, the Court entered an order granting final approval for the settlement, and on March 15, 2023, the Second Circuit affirmed that order. The settlement does not resolve the claims of the separate proposed plaintiffs’ class seeking injunctive relief or the claims of merchants who have opted out of the proposed class settlement and are pursuing, or may in the future decide to pursue, private lawsuits. Several of the remaining opt-out cases have now been set for a trial scheduled to commence on October April 20, 2025 2026 in the matter of Target Corp. et al. v. Visa Inc. et al., Case No. 13 Civ. 3477 (AKH) (S.D.N.Y.). On September 27, 2021, the Court overseeing the class litigation entered an order certifying a class of merchants pursuing claims for injunctive relief. On March 26, In June 2024, Plaintiffs filed a motion seeking the Court denied preliminary approval of a proposed settlement that would resolve class of the injunctive relief claims. On November 10, 2025, defendants submitted to the Court a revised proposed settlement of the claims for injunctive relief. On June 13, 2024, the Court held a hearing on Plaintiffs’ motion for preliminary approval of the injunctive relief settlement, and on June 25, 2024, the Court issued an order denying the request for preliminary approval of the settlement. The ultimate outcome in this matter, including the timing of resolution, remains uncertain. Refer to Note 18 for further information.
Source: Item 3, via Note 19 – Legal and Regulatory Proceedings, 10-K 0000035527-26-000124 vs Item 3, via Note 19 – Legal and Regulatory Proceedings, 10-K 0000035527-25-000079
MD&A 217 words changed in this paragraph; it is 33% similar to last year's version.
Source: Item 7, 10-K 0000035527-26-000124 vs Item 7, 10-K 0000035527-25-000079
Accounting Policies 148 words changed in this paragraph; it is 60% similar to last year's version.
The fair value of a reporting unit is the price that would be received to sell the unit as a whole in an orderly transaction between market participants at the measurement date. As none of the Bancorp’s reporting units are publicly traded, individual reporting unit fair value determinations cannot be directly correlated to the Bancorp’s stock price. The determination of the fair value of a reporting unit is a subjective process that involves the use of estimates and judgments, particularly related to cash flows, the appropriate discount rates and an applicable control premium. The determination of the fair value of the Bancorp’s reporting units includes both an income-based approach and a market-based approach. The income-based approach utilizes the reporting unit’s forecasted cash flows (including a terminal value approach to estimate cash flows beyond the final year of the forecast) and the reporting unit’s estimated cost of equity as the discount rate. Significant management judgment is necessary in the preparation of each reporting unit’s forecasted cash flows surrounding expectations for earnings projections, growth and credit loss expectations and actual results may differ from forecasted results. Additionally, the Bancorp determines its market capitalization based on the average of the closing price of the Bancorp’s stock during the period beginning September 1 and ending on the measurement date, incorporating an additional control premium, and compares this market-based fair value measurement to the aggregate fair value of the Bancorp’s reporting units in order to corroborate the results of the income approach. Refer to Note 10 for further information regarding the Bancorp’s goodwill.
Source: 10-K text, Note 1 – Summary of Significant Accounting and Reporting Policies, 10-K 0000035527-26-000124 vs 10-K text, Note 1 – Summary of Significant Accounting and Reporting Policies, 10-K 0000035527-25-000079
Every change, by type
Sentences and paragraphs added, removed or reworded
Sentences and paragraphs of FITB's Risk Factors and MD&A, 10-K 2026-02-24 against 10-K 2025-02-24. Each links to the text at sec.gov.
Quiet changes are sentences kept from last year with one to four words changed, at least one of them a hedge, a modal or a qualifier (may, could, will, not, significant, material…). A year or date rolling forward is not counted.
The full word list
adverse, adversely, all, although, anticipate, anticipates, any, approximately, believe, believes, can, cannot, certain, could, expect, expects, generally, however, if, intend, intends, largely, likely, many, material, materially, may, might, most, must, never, no, not, possible, primarily, probable, should, significant, significantly, some, substantial, substantially, unlikely, will, wouldAddedRisk Factors
Fifth Third’s business is dependent on the availability and performance of operational and information technology systems, including those provided by third-party service providers. Interruptions or failures could materially adversely affect operations.
AddedRisk Factors
Fifth Third’s operations depend on operational and information technology systems, including financial, accounting, transaction-execution, and other operational systems, as well as devices, hardware, and networks supporting those systems, all of which may be operated by both Fifth Third and/or by third-party service providers.
AddedRisk Factors
Failure, disruption, interruption or outage to any system may cause disruptions in critical business operations such as the ability to use accounting, deposit, loan, payment and other systems. It could also cause unfavorable effects to clients and customers, including delays or other disruptions in services, limitations on Fifth Third’s ability to collect data needed for its business, inability to settle or clear transactions, the possibility that fund transfers are completed erroneously and fraudulent transactions. While Fifth Third invests in automation and emerging technologies such as AI, to prevent, detect and remedy any interruptions or failures, manual oversight remains a critical component of its risk mitigation strategy. Exception handling and control testing are employed to help identify and remediate errors that may not be captured through automated processes. Despite these controls, failures are still possible and could result in operational disruptions or financial loss.
AddedRisk Factors
Risks of operational failures, disruptions or outages in Fifth Third’s operational and information technology systems, and those provided by third-party providers, can result from a variety of factors, only some of which may be wholly or partially within the control of Fifth Third, its third-party providers or the financial services industry more generally. Such events could affect Fifth Third’s systems or limit Fifth Third’s ability to use information technology due to effects on underlying infrastructure. Although Fifth Third regularly updates and replaces systems that it depends on, financial institutions generally continue to utilize some older systems alongside newer systems. Causes of system failures, disruptions or outages may be difficult to detect. While the Bancorp believes that its current business continuity plans are adequate, there can be no assurance that such plans will fully mitigate all potential risks to Fifth Third, its customers or its clients.
AddedRisk Factors
Any failures or disruptions of Fifth Third’s systems or operations, including in connection with outages or disruptions of systems provided by third parties, could adversely affect Fifth Third’s business and results of operations by subjecting Fifth Third to losses or liability, among other negative impacts, including reputational harm, litigation, regulatory fines or penalties or losses not covered by insurance.
AddedRisk Factors
Fifth Third’s business is conducted primarily via digital and information technology systems. This includes the use of digital applications, cloud computing and third- and fourth-party providers that host and store customer, employee and operational information.
AddedRisk Factors
affects one segment of the financial services industry could also impact Fifth Third. The prospect that AI may be used to conduct attacks may make them more difficult to detect. Additionally, the growing sophistication of AI increases the risk of cyber-attacks.
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AddedRisk Factors
Further, clients and customers use their own devices to utilize mobile banking and online services. Not all of Fifth Third’s clients, customers or counterparties have appropriate controls in place to protect information exchanged between them and Fifth Third. This may create new security risks and increase the likelihood of security incidents impacting customers’ information. Customers’ information may not always be protected by third-party applications or other third-party technology used in connection with such services. This can result and has resulted in fraud.
AddedRisk Factors
For more detail on Fifth Third’s cybersecurity governance structure and practices, see Item 1C of this Annual Report.
AddedRisk Factors
New technological advancements, such as AI, may subject Fifth Third to additional risks.
AddedRisk Factors
AI may introduce Fifth Third to novel or intensified legal, regulatory, ethical, operational, reputational or other risks. AI models employed by Fifth Third or its service providers might be flawed due to improper design, implementation, or training or outputs based on data or algorithms that are incomplete, inadequate, misleading, biased or of poor quality. These flaws may not be easily identifiable. Additionally, there is no certainty that Fifth Third’s use of AI will successfully enhance its business operations or achieve its intended outcomes, and its competitors may adopt AI more swiftly or effectively than Fifth Third does.
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A security breach in these impacting systems operated by or on behalf of Fifth Third, or the loss or corruption of confidential information such as customer data, business results, and transaction records and related information could adversely impact Fifth Third in numerous material ways, including by requiring public notification about the incident, causing financial losses, impacting Fifth Third’s ability to provide timely and accurate financial information in compliance with legal and regulatory requirements, all of which could result in sanctions from regulatory authorities, significant sanctions, litigation, reputational harm harm, monetary loss and the loss of customer confidence in Fifth Third.
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Difficulties in identifying suitable opportunities acquisition or combining the operations of acquired entities investment opportunities, integrating acquisitions, or assets with Fifth Third’s own operations evaluating or assessing the effectiveness of businesses in which Fifth Third makes entering into strategic investments or with which Fifth Third enters into strategic contractual and relationships may prevent hinder Fifth Third from achieving the expected benefits from these acquisitions, investments or relationships.
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Heightened standards under proposed and recently finalized new laws or regulations, or regulations soon to enter into force whose enforcement is yet to begin (such as, for example, capital and liquidity rules, or heightened Community Reinvestment Act standards), may result in increased obligations and compliance costs, may result in supervisory or enforcement action action, and may factor into Fifth Third’s ability to expand services and/or engage in new actions. activities.
RewordedRisk Factors
Third-party service providers with which the Bancorp Fifth Third does business both domestically and offshore, business, as well as vendors and other third parties with which the Bancorp’s Fifth Third’s customers do business, can also be sources of operational risk to the Bancorp, Fifth Third, particularly where processes are highly concentrated or in widespread use on critical Bancorp systems, or customer activities of customers are beyond the Bancorp’s Fifth Third’s security and control systems, such as through the use of the internet, personal computers, tablets, smart phones and other mobile services.
RewordedRisk Factors
Despite Fifth Third’s efforts to prevent a cyber-attack and monitoring of data flow inside and outside Fifth Third, due to the increasing sophistication of techniques used by attackers to conceal access to systems, cyber-attack, a successful cyber-attack could persist for an extended period of time before being detected, detected and, following detection, it could take considerable time for Fifth Third to obtain full and reliable information about the cybersecurity incident and the extent, amount and type of information compromised.
RewordedRisk Factors
In addition, if Fifth Third does not appropriately comply with current or future applicable legislation and regulations, especially those that apply to its consumer operations, which has been an area of heightened focus, Fifth Third may be subject to litigation, fines, penalties or judgments, or material regulatory restrictions on its businesses, which could adversely affect operations and, in turn, financial results. results, or that materially adversely affect its shareholders.
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RewordedRisk Factors
Though Fifth Third has insurance against some cybersecurity risks and attacks, it may not be sufficient to offset the impact of a material loss event. event; and, Fifth Third cannot guarantee that cybersecurity insurance policies will not deny coverage, or that existing insurance coverage will continue to be available on acceptable terms.
RewordedRisk Factors
Negative public perception can may adversely affect Fifth Third’s ability to attract and keep customers and can customers, increase the risk that it will be a target of litigation and regulatory action or experience an and raise the chance of accelerated deposits withdrawal event. withdrawals.
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Substantial legal liability or significant regulatory or other enforcement action against Fifth Third could materially adversely affect its business, financial condition or results of operations and/or cause significant reputational harm to its business.
AddedMD&A
On February 1, 2026, Fifth Third Bancorp closed the merger with Comerica Incorporated (“Comerica”) in an all-stock transaction valued at approximately $12.7 billion. Under the terms of the merger agreement, each outstanding share of Comerica’s common stock was converted into the right to receive 1.8663 shares of Fifth Third Bancorp common stock and each outstanding share of Comerica’s preferred stock was converted into the right to receive one share of a newly created series of preferred stock with comparable terms issued by the Bancorp.
AddedMD&A
On September 30, 2025, the Bancorp redeemed all 14,000 outstanding shares of its 4.500% fixed-rate reset non-cumulative perpetual preferred stock, Series L, and the corresponding depositary shares, pursuant to its terms and conditions. Prior to the redemption, the dividend rate on the Series L preferred stock was set to reach its first dividend reset date at which time the dividend would have reset to the five-year U.S. Treasury rate plus 4.215%.
AddedMD&A
During the year ended December 31, 2025, the Bancorp repurchased $525 million of common stock in accelerated share repurchase transactions.
AddedMD&A
On June 13, 2025, the Bancorp’s Board of Directors authorized management to purchase 100 million shares of the Bancorp’s common stock through the open market or in any private party transactions. This authorization superseded the prior authorization from June 2019 and did not include specific targets or an expiration date.
AddedMD&A
Generally, loans with an LTV greater than 80% are originated with either a compensating SBA guaranty or other structural credit protections.
AddedMD&A
At December 31, 2025, the Bancorp assigned an 80% probability weighting to the Baseline scenario and 10% to each of the Upside and Downside scenarios. The following table provides a range of key macroeconomic factors utilized in the Baseline, Upside and Downside scenarios as of December 31, 2025:
AddedMD&A
(a)Represents the difference between Moody’s Baa‑ rated corporate bond yields and U.S. Treasury yields.
AddedMD&A
currency volatility and potential future exposure on these contracts, counterparty credit approvals and country limits performed by independent risk management.
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(b)Quarterly average assets are a component of the leverage ratio and, for this purpose, do not include goodwill or any other assets that the U.S. banking agencies determine should be deducted from Tier 1 capital.
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Average life within one year 3 2 0.6 4.49 18 18 0.8 2.97 Average life after one year through five years 1,368 1,257 3.8 2.84 1,690 1,606 3.7 3.02 Average life after five years through ten years 4,346 3,866 6.5 3.57 7,127 6,761 6.6 4.38 Average life after ten years 743 556 11.0 2.87 303 238 11.6 2.81 Total $ 6,460 5,681 6.4 3.33% 9,138 8,623 6.2 4.07% Agency commercial mortgage-backed securities:(a) Average life within one year 706 699 0.5 3.44 955 943 0.7 2.65 Average life after one year through five years 10,277 9,524 3.2 2.64 9,765 9,318 2.9 2.66 Average life after five years through ten years 10,022 8,335 7.3 2.64 9,531 8,231 7.0 2.63 Average life after ten years 2,848 2,274 11.9 2.75 2,056 1,695 11.6 2.78 Total $ 23,853 20,832 5.9 2.68% 22,307 20,187 5.4 2.66% Non-agency commercial mortgage-backed securities:
RewordedMD&A
Compensation and benefits 882 878 828 935 895 890 Net occupancy and equipment expense 263 253 234 275 265 254 Marketing expense 91 68 70 Loan and lease expense 80 86 107 Card and processing expense 75 76 72 83 82 87 Other noninterest expense 1,172 1,222 1,148 1,207 1,209 1,255 Income before income taxes $ 2,469 3,494 1,656 2,445 2,537 3,599 Average Balance Sheet Data Consumer loans, including held for sale $ 45,597 42,783 42,933 43,049 Commercial loans 3,454 2,829 1,727 loans, including held for sale 5,109 4,168 3,515 Demand deposits 21,085 21,891 23,600 23,188 22,426 23,380 Interest checking deposits 10,872 12,325 15,191 10,840 10,941 12,389 Savings deposits 13,867 14,431 17,017 20,288 Money market deposits 30,127 25,288 22,766 32,401 31,056 26,067 Certificates of deposit 11,341 11,241 8,809 2,543
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Additional Capital Ratios ($ in millions) 2025 2024 2023 2022 Average total Bancorp shareholders’ equity as a percent of average assets 9.86% 9.12 % 8.49 9.22 Tangible equity as a percent of tangible assets(a)(b) 9.28 9.02 8.65 8.31 Tangible common equity as a percent of tangible assets(a)(b) 8.46 8.03 7.67 7.30 Regulatory capital:(c) CET1 capital $ 17,339 16,800 15,670 Tier 1 capital 19,455 18,916 17,786 Total regulatory capital 22,746 22,400 21,606 Risk-weighted assets 164,102 163,223 168,909 Regulatory capital ratios:(c) CET1 capital 10.57 % 10.29 9.28 Tier 1 risk-based capital 11.86 11.59 10.53 Total risk-based capital 13.86 13.72 12.79 Leverage 9.22 8.73 8.56
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Rollforward of Portfolio Nonaccrual Loans and Leases For the year ended December 31, 2024 2025 ($ in millions) Commercial Residential Consumer Total Mortgage Balance, beginning of period $ 326 124 199 649 456 137 230 823 Transfers to nonaccrual status 591 68 342 1,001 740 64 332 1,136 Transfers to accrual status (2) (24) (51) (77) (5) (16) (97) (118) Transfers to held for sale (13) (86) — — (13) (86) Loan paydowns/payoffs (180) (29) (67) (276) (186) (33) (93) (312) Transfers to OREO — (6) (17) (1) (7) (15) (23) Charge-offs (267) (507) — (178) (445) (168) (675) Draws/other extensions of credit 1 16 4 2 7 22 Balance, end of period $ 456 137 230 823 427 149 191 767
RewordedMD&A
Interest expense on average core deposits increased $852 decreased $666 million from the year ended December 31, 2023 2024 primarily due to an increase a decrease in the cost of average interest-bearing core deposits to 234 bps for the year ended December 31, 2025 from 287 bps for the year ended December 31, 2024 from 238 bps for the year ended December 31, 2023, as a result of a mix shift from non-interest bearing to interest-bearing deposit products, higher short-term interest rates and an increase in the average balances of interest-bearing core deposits. 2024.
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Average life after five years through ten years 4,898 4,701 4,997 4,976 8.9 3.41 3.66 Average life after ten years 26 26 10.1 3.55 Total $ 4,898 4,701 5,023 5,002 8.9 3.41% 3.66% Agency commercial mortgage-backed securities:(a) Average life within one year 38 38 0.2 3.59 8 8 0.3 3.49 Average life after one year through five years 861 847 3.6 1,127 1,142 3.3 3.84 Average life after five years through ten years 2,650 2,585 7.0 3.90 2,595 2,615 6.7 3.95 Average life after ten years 459 448 11.1 4.70 175 178 11.4 5.07 Total $ 4,008 3,918 6.7 3.98% 3,905 3,943 5.9 3.96% Asset-backed securities and other debt securities:
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Compensation and benefits 656 654 639 637 643 642 Net occupancy and equipment expense 64 70 67 62 69 Other noninterest expense 1,174 1,279 1,117 1,189 1,142 1,251 Income before income taxes (FTE) (FTE)(a) $ 1,829 3,169 2,036 1,342 1,761 3,064 Average Balance Sheet Data Commercial loans and leases, including held for sale $ 67,310 72,293 70,904 68,148 66,596 71,607 Demand deposits 18,204 23,170 35,147 16,474 16,863 21,680 Interest checking deposits 40,214 32,319 21,341 40,016 40,303 32,414 Savings deposits 123 143 183 280 Money market deposits 5,540 5,063 5,739 4,550 4,611 4,284 Certificates of deposit 31 45 62 108 Foreign office deposits 158 158 170
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Florida $ 646 6 675 16 680 16 California 552 1 562 8 565 5 Texas 525 3 501 7 457 8 Arizona 370 2 366 4 326 4 Virginia 270 — 229 1 190 Oregon 219 — 165 — Colorado 181 — 158 1 Nevada 175 — 165 1 130 — Oregon 165 — 109 — Colorado 158 1 137 1 New York 144 — 118 — 90 — Connecticut 113 1 103 3 87 3 All other states 1,365 9 1,160 23 957 22 Total $ 4,560 22 4,202 64 3,728 60
RewordedMD&A
The changes in the estimated EVE sensitivity profile from December 31, 2023 2024 were primarily related to lower market rates and changes in forward interest rate expectations, mix-shift an increase in core deposit balances, a reduction in notional outstanding of deposit composition into higher beta products, receive-fixed interest rate swaps and the impacts of shorter investment securities portfolio durations, partially offset by the impacts of an increase in fixed-rate loans and reduced wholesale funding, which was partially offset by shortening of the investment portfolio duration. funding.
RewordedMD&A
Cash Flows from Portfolio Loans and Leases Occurring After One Year Interest Rate ($ in millions) Fixed Floating or Adjustable Fixed- Rate Floating/Adjustable-Rate Commercial and industrial loans $ 4,338 36,352 5,427 35,087 Commercial mortgage loans 1,956 6,527 1,695 6,311 Commercial construction loans 123 3,277 71 3,313 Commercial leases 2,425 2,551 — Total commercial loans and leases 8,842 46,156 $ 9,744 44,711 Residential mortgage loans 12,410 4,197 11,318 5,418 Home equity 354 3,555 468 4,064 Indirect secured consumer loans 12,994 7 14,486 6 Solar energy installation loans 4,008 4,238 — Other consumer loans 1,252 240 958 193 Total consumer loans 31,018 7,999 $ 31,468 9,681 Total portfolio loans and leases $ 39,860 54,155 41,212 54,392
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These losses related to certain securities in unrealized loss positions where the Bancorp had determined that it no longer intends intended to hold the securities until the recovery of their amortized cost bases.