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ACCUMULATED OTHER COMPREHENSIVE (LOSS) INCOME | 12 Months Ended
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Dec. 31, 2025
Equity [Abstract] |
ACCUMULATED OTHER COMPREHENSIVE (LOSS) INCOME | NOTE 16 — ACCUMULATED OTHER COMPREHENSIVE (LOSS) INCOME The following table includes the components of AOCI: Components of Accumulated Other Comprehensive Loss
dollars in millions | December 31, 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 | $ | (162) |  |  | $ | 25 |  |  | $ | (137) |  |  | $ | (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 | 282 |  |  | (72) |  |  | 210 |  |  | 182 |  |  | (47) |  |  | 135 |
Unrealized gain on cash flow hedge derivatives | 19 |  |  | (5) |  |  | 14 |  |  | 11 |  |  | (3) |  |  | 8 |
Total accumulated other comprehensive income (loss) | $ | 134 |  |  | $ | (51) |  |  | $ | 83 |  |  | $ | (575) |  |  | $ | 130 |  |  | $ | (445) |
The following table summarizes 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) income
Balance as of December 31, 2024 | $ | (584) |  |  | $ | (4) |  |  | $ | 135 |  |  |  |  | $ | 8 |  |  | $ | (445) |
AOCI activity before reclassifications | 449 |  |  | — |  |  | 75 |  |  |  |  | 9 |  |  | 533 |
Amounts reclassified from AOCI to earnings | (2) |  |  | — |  |  | — |  |  |  |  | (3) |  |  | (5) |
Other comprehensive income for the period | 447 |  |  | — |  |  | 75 |  |  |  |  | 6 |  |  | 528 |
Balance as of December 31, 2025 | $ | (137) |  |  | $ | (4) |  |  | $ | 210 |  |  |  |  | $ | 14 |  |  | $ | 83 |
Balance as of December 31, 2023 | $ | (577) |  |  | $ | (5) |  |  | $ | 91 |  |  |  |  | $ | — |  |  | $ | (491) |
AOCI activity before reclassifications | (7) |  |  | — |  |  | 44 |  |  |  |  | 8 |  |  | 45 |
Amounts reclassified from AOCI to earnings | — |  |  | 1 |  |  | — |  |  |  |  | — |  |  | 1 |
Other comprehensive (loss) income for the period | (7) |  |  | 1 |  |  | 44 |  |  |  |  | 8 |  |  | 46 |
Balance as of December 31, 2024 | $ | (584) |  |  | $ | (4) |  |  | $ | 135 |  |  |  |  | $ | 8 |  |  | $ | (445) |
Other Comprehensive Income The amounts included in the Consolidated Statements of Comprehensive Income are net of income taxes. The following table presents the pretax and after tax components of other comprehensive income: Other Comprehensive Income (Loss) by Component
dollars in millions | Year Ended December 31, |  |
| 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: |  |  |  |  |  |  |  |  |  |  |  |  |
AOCI activity before reclassifications | $ | 603 |  |  | $ | (154) |  |  | $ | 449 |  |  | $ | (10) |  |  | $ | 3 |  |  | $ | (7) |  |  |
Amounts reclassified from AOCI to earnings | (3) |  |  | 1 |  |  | (2) |  |  | — |  |  | — |  |  | — |  |  | Realized gain on sale of investment securities, net
Other comprehensive income (loss) on securities available for sale | $ | 600 |  |  | $ | (153) |  |  | $ | 447 |  |  | $ | (10) |  |  | $ | 3 |  |  | $ | (7) |  |  |
Unrealized loss on securities available for sale transferred to held to maturity: |  |  |  |  |  |  |  |  |  |  |  |  |
Amounts reclassified from AOCI to earnings | $ | 1 |  |  | $ | (1) |  |  | $ | — |  |  | $ | 1 |  |  | $ | — |  |  | $ | 1 |  |  | Interest income on investment securities
Defined benefit pension items: |  |  |  |  |  |  |  |  |  |  |  |  |
Actuarial gain | $ | 100 |  |  | $ | (25) |  |  | $ | 75 |  |  | $ | 60 |  |  | $ | (16) |  |  | $ | 44 |  |  |
Unrealized gain on cash flow hedge derivatives: |  |  |  |  |  |  |  |  |  |  |  |  |
AOCI activity before reclassifications | $ | 12 |  |  | $ | (3) |  |  | $ | 9 |  |  | $ | 11 |  |  | $ | (3) |  |  | $ | 8 |  |  |
Amounts reclassified from AOCI to earnings | (4) |  |  | 1 |  |  | (3) |  |  | — |  |  | — |  |  | — |  |  | Interest income on loans and leases
Other comprehensive income on cash flow hedge derivatives | $ | 8 |  |  | $ | (2) |  |  | $ | 6 |  |  | $ | 11 |  |  | $ | (3) |  |  | $ | 8 |  |  |
Total other comprehensive income | $ | 709 |  |  | $ | (181) |  |  | $ | 528 |  |  | $ | 62 |  |  | $ | (16) |  |  | $ | 46 |  |  |

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