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SEGMENT INFORMATION (Tables) | 9 Months Ended
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Sep. 30, 2025
Segment Reporting [Abstract] |
Schedule of Segment Reporting Information | The following tables present the condensed income statements by segment and include the significant segment expenses and measure of segment profit or loss.
dollars in millions | Three Months Ended September 30, 2025
| General Bank |  | Commercial Bank |  | SVB Commercial |  | Rail |  | Corporate (1) |  | BancShares (2)
Net interest income (expense) | $ | 846 |  |  | $ | 303 |  |  | $ | 493 |  |  | $ | (55) |  |  | $ | 147 |  |  | $ | 1,734 |
Rental income on operating lease equipment | — |  |  | 54 |  |  | — |  |  | 219 |  |  | — |  |  | 273 |
All other noninterest income | 166 |  |  | 101 |  |  | 135 |  |  | 2 |  |  | 22 |  |  | 426 |
Total noninterest income | 166 |  |  | 155 |  |  | 135 |  |  | 221 |  |  | 22 |  |  | 699 |
Total revenue | 1,012 |  |  | 458 |  |  | 628 |  |  | 166 |  |  | 169 |  |  | 2,433 |
Depreciation on operating lease equipment | — |  |  | 43 |  |  | — |  |  | 55 |  |  | — |  |  | 98 |
Maintenance and other operating lease expenses | — |  |  | — |  |  | — |  |  | 67 |  |  | — |  |  | 67 |
Personnel cost | 213 |  |  | 74 |  |  | 106 |  |  | 6 |  |  | 418 |  |  | 817 |
Acquisition-related expenses | — |  |  | — |  |  | — |  |  | — |  |  | 28 |  |  | 28 |
All other noninterest expense (3) | 369 |  |  | 149 |  |  | 267 |  |  | 16 |  |  | (320) |  |  | 481 |
Total noninterest expense | 582 |  |  | 266 |  |  | 373 |  |  | 144 |  |  | 126 |  |  | 1,491 |
Provision for credit losses | 1 |  |  | 168 |  |  | 22 |  |  | — |  |  | — |  |  | 191 |
Income before income taxes | 429 |  |  | 24 |  |  | 233 |  |  | 22 |  |  | 43 |  |  | 751 |
Income tax expense | 109 |  |  | 6 |  |  | 58 |  |  | 5 |  |  | 5 |  |  | 183 |
Net income | $ | 320 |  |  | $ | 18 |  |  | $ | 175 |  |  | $ | 17 |  |  | $ | 38 |  |  | $ | 568 |
Select Period End Balances |  |  |  |  |  |  |  |  |  |  |
Loans and leases | $ | 65,225 |  |  | $ | 38,841 |  |  | $ | 40,629 |  |  | $ | 63 |  |  | $ | — |  |  | $ | 144,758 |
Operating lease equipment, net | — |  |  | 737 |  |  | — |  |  | 8,709 |  |  | — |  |  | 9,446 |
Deposits | 74,596 |  |  | 2,978 |  |  | 39,891 |  |  | 2 |  |  | 45,723 |  |  | 163,190 |
| Three Months Ended September 30, 2024
| General Bank |  | Commercial Bank |  | SVB Commercial |  | Rail |  | Corporate (1) |  | BancShares (2)
Net interest income (expense) | $ | 760 |  |  | $ | 305 |  |  | $ | 560 |  |  | $ | (48) |  |  | $ | 219 |  |  | $ | 1,796 |
Rental income on operating lease equipment | — |  |  | 57 |  |  | — |  |  | 205 |  |  | — |  |  | 262 |
All other noninterest income | 149 |  |  | 79 |  |  | 137 |  |  | 2 |  |  | 21 |  |  | 388 |
Total noninterest income | 149 |  |  | 136 |  |  | 137 |  |  | 207 |  |  | 21 |  |  | 650 |
Total revenue | 909 |  |  | 441 |  |  | 697 |  |  | 159 |  |  | 240 |  |  | 2,446 |
Depreciation on operating lease equipment | — |  |  | 47 |  |  | — |  |  | 52 |  |  | — |  |  | 99 |
Maintenance and other operating lease expenses | — |  |  | — |  |  | — |  |  | 59 |  |  | — |  |  | 59 |
Personnel cost | 212 |  |  | 68 |  |  | 112 |  |  | 6 |  |  | 390 |  |  | 788 |
Acquisition-related expenses | — |  |  | — |  |  | — |  |  | — |  |  | 46 |  |  | 46 |
All other noninterest expense (3) | 341 |  |  | 150 |  |  | 272 |  |  | 14 |  |  | (313) |  |  | 464 |
Total noninterest expense | 553 |  |  | 265 |  |  | 384 |  |  | 131 |  |  | 123 |  |  | 1,456 |
Provision for credit losses | 55 |  |  | 11 |  |  | 51 |  |  | — |  |  | — |  |  | 117 |
Income before income taxes | 301 |  |  | 165 |  |  | 262 |  |  | 28 |  |  | 117 |  |  | 873 |
Income tax expense | 99 |  |  | 41 |  |  | 75 |  |  | 8 |  |  | 11 |  |  | 234 |
Net income | $ | 202 |  |  | $ | 124 |  |  | $ | 187 |  |  | $ | 20 |  |  | $ | 106 |  |  | $ | 639 |
Select Period End Balances |  |  |  |  |  |  |  |  |  |  |
Loans and leases | $ | 64,254 |  |  | $ | 37,281 |  |  | $ | 37,098 |  |  | $ | 62 |  |  | $ | — |  |  | $ | 138,695 |
Operating lease equipment, net | — |  |  | 767 |  |  | — |  |  | 8,419 |  |  | — |  |  | 9,186 |
Deposits | 71,898 |  |  | 3,126 |  |  | 35,844 |  |  | 14 |  |  | 40,692 |  |  | 151,574 |
(1) Corporate includes all other financial information that is not included in the reportable segments.
(2) In the segment reporting table above, there are no reconciling differences between BancShares and the aggregate of all reportable segments and Corporate.
(3) All other noninterest expense represents “other segment items” under Accounting Standards Codification (“ASC”) 280 and primarily includes Allocated Expenses, net occupancy expense, equipment expense, professional fees, third-party processing fees, FDIC insurance expense, marketing expense, and intangible amortization. All other noninterest expense is presented net of Allocated Expenses in the segment reporting table above, resulting in Contra Expense for Corporate as further discussed above.
dollars in millions | Nine Months Ended September 30, 2025
| General Bank |  | Commercial Bank |  | SVB Commercial |  | Rail |  | Corporate (1) |  | BancShares (2)
Net interest income (expense) | $ | 2,458 |  |  | $ | 895 |  |  | $ | 1,476 |  |  | $ | (160) |  |  | $ | 423 |  |  | $ | 5,092 |
Rental income on operating lease equipment | — |  |  | 164 |  |  | — |  |  | 651 |  |  | — |  |  | 815 |
All other noninterest income | 494 |  |  | 268 |  |  | 397 |  |  | 7 |  |  | 31 |  |  | 1,197 |
Total noninterest income | 494 |  |  | 432 |  |  | 397 |  |  | 658 |  |  | 31 |  |  | 2,012 |
Total revenue | 2,952 |  |  | 1,327 |  |  | 1,873 |  |  | 498 |  |  | 454 |  |  | 7,104 |
Depreciation on operating lease equipment | — |  |  | 131 |  |  | — |  |  | 165 |  |  | — |  |  | 296 |
Maintenance and other operating lease expenses | — |  |  | — |  |  | — |  |  | 180 |  |  | — |  |  | 180 |
Personnel cost | 637 |  |  | 215 |  |  | 330 |  |  | 20 |  |  | 1,243 |  |  | 2,445 |
Acquisition-related expenses | — |  |  | — |  |  | — |  |  | — |  |  | 108 |  |  | 108 |
All other noninterest expense (3) | 1,090 |  |  | 462 |  |  | 804 |  |  | 56 |  |  | (957) |  |  | 1,455 |
Total noninterest expense | 1,727 |  |  | 808 |  |  | 1,134 |  |  | 421 |  |  | 394 |  |  | 4,484 |
Provision for credit losses | 60 |  |  | 300 |  |  | 100 |  |  | — |  |  | — |  |  | 460 |
Income before income taxes | 1,165 |  |  | 219 |  |  | 639 |  |  | 77 |  |  | 60 |  |  | 2,160 |
Income tax expense (benefit) | 298 |  |  | 56 |  |  | 162 |  |  | 19 |  |  | (1) |  |  | 534 |
Net income | $ | 867 |  |  | $ | 163 |  |  | $ | 477 |  |  | $ | 58 |  |  | $ | 61 |  |  | $ | 1,626 |
| Nine Months Ended September 30, 2024
| General Bank |  | Commercial Bank |  | SVB Commercial |  | Rail |  | Corporate (1) |  | BancShares (2)
Net interest income (expense) | $ | 2,174 |  |  | $ | 916 |  |  | $ | 1,636 |  |  | $ | (136) |  |  | $ | 844 |  |  | $ | 5,434 |
Rental income on operating lease equipment | — |  |  | 172 |  |  | — |  |  | 604 |  |  | — |  |  | 776 |
All other noninterest income | 446 |  |  | 239 |  |  | 405 |  |  | 8 |  |  | 42 |  |  | 1,140 |
Total noninterest income | 446 |  |  | 411 |  |  | 405 |  |  | 612 |  |  | 42 |  |  | 1,916 |
Total revenue | 2,620 |  |  | 1,327 |  |  | 2,041 |  |  | 476 |  |  | 886 |  |  | 7,350 |
Depreciation on operating lease equipment | — |  |  | 141 |  |  | — |  |  | 152 |  |  | — |  |  | 293 |
Maintenance and other operating lease expenses | — |  |  | — |  |  | — |  |  | 164 |  |  | — |  |  | 164 |
Personnel cost | 604 |  |  | 205 |  |  | 354 |  |  | 20 |  |  | 1,094 |  |  | 2,277 |
Acquisition-related expenses | — |  |  | — |  |  | — |  |  | — |  |  | 148 |  |  | 148 |
All other noninterest expense (3) | 978 |  |  | 425 |  |  | 765 |  |  | 43 |  |  | (875) |  |  | 1,336 |
Total noninterest expense | 1,582 |  |  | 771 |  |  | 1,119 |  |  | 379 |  |  | 367 |  |  | 4,218 |
Provision for credit losses | 113 |  |  | 70 |  |  | 93 |  |  | — |  |  | — |  |  | 276 |
Income before income taxes | 925 |  |  | 486 |  |  | 829 |  |  | 97 |  |  | 519 |  |  | 2,856 |
Income tax expense | 270 |  |  | 127 |  |  | 235 |  |  | 27 |  |  | 120 |  |  | 779 |
Net income | $ | 655 |  |  | $ | 359 |  |  | $ | 594 |  |  | $ | 70 |  |  | $ | 399 |  |  | $ | 2,077 |
(1) Corporate includes all other financial information that is not included in the reportable segments.
(2) In the segment reporting table above, there are no reconciling differences between BancShares and the aggregate of all reportable segments and Corporate.
(3) All other noninterest expense represents “other segment items” under ASC 280 and primarily includes Allocated Expenses, net occupancy expense, equipment expense, professional fees, third-party processing fees, FDIC insurance expense, marketing expense, and intangible amortization. All other noninterest expense is presented net of Allocated Expenses in the segment reporting table above, resulting in Contra Expense for Corporate as further discussed above.

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- Definition Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 25 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-25 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 22 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 30 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-30 + Details
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