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Premises, Equipment and Leases (Tables)

12 Months Ended

Dec. 31, 2025

Property, Plant and Equipment and Lease Commitments [Abstract]

Schedule of Property, Plant and Equipment

Useful lives for premises and equipment are generally estimated as follows:

Premises and Equipment						Useful Lives
Buildings and improvements						5-39 years
Furniture and equipment						3-10 years
Computer software						3 years
Leasehold improvements						Lesser of the useful life or the remaining lease term

The following table presents our premises and equipment as of December 31, 2025 and 2024.

Table 8.1 Components of Premises and Equipment

(Dollars in millions)						December 31, 2025						December 31, 2024
Land						$	330					$	303
Buildings and improvements						4,591						4,276
Furniture and equipment						1,830						1,751
Computer software						4,902						3,357
In progress						550						426
Total premises and equipment, gross						12,203						10,113
Less: Accumulated depreciation and amortization						(6,601)						(5,602)
Total premises and equipment, net						$	5,602					$	4,511

Schedule of Lease Cost

The following tables present information about our operating lease portfolio and the related lease costs as of and for the years ended December 31, 2025 and 2024.

Table 8.2 Operating Lease Portfolio

(Dollars in millions)						December 31, 2025						December 31, 2024
Right-of-use assets						$	977					$	974
Lease liabilities						1,259						1,265
Weighted-average remaining lease term						7.3 years						7.9 years
Weighted-average discount rate						3.5		%				3.3		%

Table 8.3 Total Operating Lease Expense and Other Information

												Year Ended December 31,
(Dollars in millions)												2025						2024
Operating lease cost												$	252					$	224
Variable lease cost												41						48
Total lease cost												293						272
Sublease income												(13)						(14)
Net lease cost												$	280					$	258
Cash paid for amounts included in the measurement of lease liabilities												$	270					$	261
Right-of-use assets obtained in exchange for lease liabilities												150						145

Schedule of Future Minimum Lease Payments

The following table presents a maturity analysis of our operating leases and a reconciliation of the undiscounted cash flows to our lease liabilities as of December 31, 2025.

Table 8.4 Maturities of Operating Leases and Reconciliation to Lease Liabilities

(Dollars in millions)						December 31, 2025
2026						$	254
2027						233
2028						215
2029						195
2030						166
Thereafter						405
Total undiscounted lease payments						1,468
Less: Imputed interest						209
Total lease liabilities						$	1,259

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- Definition

Property, Plant and Equipment and Lease Commitments [Abstract]

+ References

No definition available.

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- Definition

Tabular disclosure of lessee's lease cost. Includes, but is not limited to, interest expense for finance lease, amortization of right-of-use asset for finance lease, operating lease cost, short-term lease cost, variable lease cost and sublease income.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 842
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478964/842-20-50-4

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Tabular disclosure of undiscounted cash flows of lessee's operating lease liability. Includes, but is not limited to, reconciliation of undiscounted cash flows to operating lease liability recognized in statement of financial position.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 842
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478964/842-20-50-6

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- Definition

Tabular disclosure of physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, balances by class of assets, depreciation and depletion expense and method used, including composite depreciation, and accumulated deprecation.

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Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-SubTopic 10
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