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ACCUMULATED OTHER COMPREHENSIVE (LOSS) INCOME (Tables) | 9 Months Ended
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Sep. 30, 2025
Equity [Abstract] |
Schedule of Accumulated Other Comprehensive (Loss) Income | The following table details the components of AOCI: Components of Accumulated Other Comprehensive Loss
dollars in millions | September 30, 2025 |  | December 31, 2024
| Pretax |  | Income Taxes |  | Net of Income Taxes |  | Pretax |  | Income Taxes |  | Net of Income Taxes
Unrealized loss on securities available for sale | $ | (224) |  |  | $ | 40 |  |  | $ | (184) |  |  | $ | (762) |  |  | $ | 178 |  |  | $ | (584) |
Unrealized loss on securities available for sale transferred to held to maturity | (5) |  |  | 1 |  |  | (4) |  |  | (6) |  |  | 2 |  |  | (4) |
Defined benefit pension items | 177 |  |  | (46) |  |  | 131 |  |  | 182 |  |  | (47) |  |  | 135 |
Unrealized gain on cash flow hedge derivatives | 17 |  |  | (4) |  |  | 13 |  |  | 11 |  |  | (3) |  |  | 8 |
Total accumulated other comprehensive loss | $ | (35) |  |  | $ | (9) |  |  | $ | (44) |  |  | $ | (575) |  |  | $ | 130 |  |  | $ | (445) |
The following table details the changes in the components of AOCI, net of income taxes: Changes in Accumulated Other Comprehensive (Loss) Income by Component
dollars in millions | Unrealized loss on securities available for sale |  | Unrealized loss on securities available for sale transferred to held to maturity |  | Defined benefit pension items |  |  |  | Unrealized gain on cash flow hedge derivatives |  | Total accumulated other comprehensive loss
Balance as of December 31, 2024 | $ | (584) |  |  | $ | (4) |  |  | $ | 135 |  |  |  |  | $ | 8 |  |  | $ | (445) |
AOCI activity before reclassifications | 400 |  |  | — |  |  | (4) |  |  |  |  | 8 |  |  | 404 |
Amounts reclassified from AOCI to earnings | — |  |  | — |  |  | — |  |  |  |  | (3) |  |  | (3) |
Other comprehensive income (loss) for the period | 400 |  |  | — |  |  | (4) |  |  |  |  | 5 |  |  | 401 |
Balance as of September 30, 2025 | $ | (184) |  |  | $ | (4) |  |  | $ | 131 |  |  |  |  | $ | 13 |  |  | $ | (44) |
Balance as of December 31, 2023 | $ | (577) |  |  | $ | (5) |  |  | $ | 91 |  |  |  |  | $ | — |  |  | $ | (491) |
AOCI activity before reclassifications | 325 |  |  | — |  |  | (8) |  |  |  |  | 12 |  |  | 329 |
Amounts reclassified from AOCI to earnings | — |  |  | 1 |  |  | — |  |  |  |  | 2 |  |  | 3 |
Other comprehensive loss (income) for the period | 325 |  |  | 1 |  |  | (8) |  |  |  |  | 14 |  |  | 332 |
Balance as of September 30, 2024 | $ | (252) |  |  | $ | (4) |  |  | $ | 83 |  |  |  |  | $ | 14 |  |  | $ | (159) |
The following table presents the pretax and after tax components of other comprehensive income: Other Comprehensive Income (Loss) by Component
dollars in millions | Three Months Ended September 30, |  |
| 2025 |  | 2024 |  |
| Pretax |  | Income Taxes |  | Net of Income Taxes |  | Pretax |  | Income Taxes |  | Net of Income Taxes |  | Income Statement Line Items
Unrealized loss on securities available for sale: |  |  |  |  |  |  |  |  |  |  |  |  |
Other comprehensive income on securities available for sale | $ | 97 |  |  | $ | (25) |  |  | $ | 72 |  |  | $ | 594 |  |  | $ | (156) |  |  | $ | 438 |  |  |
Unrealized loss on securities available for sale transferred to held to maturity: |  |  |  |  |  |  |  |  |  |  |  |  |
Amounts reclassified from AOCI to earnings | $ | 1 |  |  | $ | (1) |  |  | $ | — |  |  | $ | 1 |  |  | $ | — |  |  | $ | 1 |  |  | Interest on investment securities
Defined benefit pension items: |  |  |  |  |  |  |  |  |  |  |  |  |
Other comprehensive loss for defined benefit pension items | $ | (1) |  |  | $ | — |  |  | $ | (1) |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  |
Unrealized gain on cash flow hedge derivatives: |  |  |  |  |  |  |  |  |  |  |  |  |
AOCI activity before reclassifications | $ | (2) |  |  | $ | 1 |  |  | $ | (1) |  |  | $ | 14 |  |  | $ | (4) |  |  | $ | 10 |  |  |
Amounts reclassified from AOCI to earnings | — |  |  | — |  |  | — |  |  | 2 |  |  | — |  |  | 2 |  |  | Interest and fees on loans
Other comprehensive (loss) income on cash flow hedge derivatives | $ | (2) |  |  | $ | 1 |  |  | $ | (1) |  |  | $ | 16 |  |  | $ | (4) |  |  | $ | 12 |  |  |
Total other comprehensive income | $ | 95 |  |  | $ | (25) |  |  | $ | 70 |  |  | $ | 611 |  |  | $ | (160) |  |  | $ | 451 |  |  |
dollars in millions | Nine Months Ended September 30, |  |
| 2025 |  | 2024 |  |
| Pretax |  | Income Taxes |  | Net of Income Taxes |  | Pretax |  | Income Taxes |  | Net of Income Taxes |  | Income Statement Line Items
Unrealized loss on securities available for sale: |  |  |  |  |  |  |  |  |  |  |  |  |
Other comprehensive income on securities available for sale | $ | 538 |  |  | $ | (138) |  |  | $ | 400 |  |  | $ | 440 |  |  | $ | (115) |  |  | $ | 325 |  |  |
Unrealized loss on securities available for sale transferred to held to maturity: |  |  |  |  |  |  |  |  |  |  |  |  |
Amounts reclassified from AOCI to earnings | $ | 1 |  |  | $ | (1) |  |  | $ | — |  |  | $ | 1 |  |  | $ | — |  |  | $ | 1 |  |  | Interest on investment securities
Defined benefit pension items: |  |  |  |  |  |  |  |  |  |  |  |  |
Other comprehensive loss for defined benefit pension items | $ | (5) |  |  | $ | 1 |  |  | $ | (4) |  |  | $ | (10) |  |  | $ | 2 |  |  | $ | (8) |  |  |
Unrealized gain on cash flow hedge derivatives: |  |  |  |  |  |  |  |  |  |  |  |  |
AOCI activity before reclassifications | $ | 10 |  |  | $ | (2) |  |  | $ | 8 |  |  | $ | 17 |  |  | $ | (5) |  |  | $ | 12 |  |  |
Amounts reclassified from AOCI to earnings | (4) |  |  | 1 |  |  | (3) |  |  | 2 |  |  | — |  |  | 2 |  |  | Interest and fees on loans
Other comprehensive income on cash flow hedge derivatives | $ | 6 |  |  | $ | (1) |  |  | $ | 5 |  |  | $ | 19 |  |  | $ | (5) |  |  | $ | 14 |  |  |
Total other comprehensive income | $ | 540 |  |  | $ | (139) |  |  | $ | 401 |  |  | $ | 450 |  |  | $ | (118) |  |  | $ | 332 |  |  |

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