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ACCUMULATED OTHER COMPREHENSIVE (LOSS) INCOME

12 Months Ended

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

X

- Definition

The entire disclosure for comprehensive income, which includes, but is not limited to, 1) the amount of income tax expense or benefit allocated to each component of other comprehensive income, including reclassification adjustments, 2) the reclassification adjustments for each classification of other comprehensive income and 3) the ending accumulated balances for each component of comprehensive income.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 944
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04(19))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03(21))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04(23))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1

Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 220
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org/220/tableOfContent

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X

- References

No definition available.

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