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INVESTMENT SECURITIES (Tables)

12 Months Ended

Dec. 31, 2025

Investments [Abstract]

Schedule of Amortized Cost and Fair Value of Investment Securities

The following tables include the amortized cost and fair value of investment securities:

Amortized Cost and Fair Value - Investment Securities

dollars in millions			December 31, 2025
			Amortized Cost						Gross Unrealized Gains						Gross Unrealized Losses						Fair Value
Investment securities available for sale
U.S. Treasury			$	10,624					$	50					$	(1)					$	10,673
Government agency			44						—						(1)						43
Residential mortgage-backed securities			17,683						263						(323)						17,623
Commercial mortgage-backed securities			3,444						28						(173)						3,299
Corporate bonds			145						—						(5)						140
Municipal bonds			12						—						—						12
Total investment securities available for sale			$	31,952					$	341					$	(503)					$	31,790
Investment in marketable equity securities			$	83					$	44					$	—					$	127
Investment securities held to maturity
U.S. Treasury			$	388					$	—					$	(15)					$	373
Government agency			1,225						—						(55)						1,170
Residential mortgage-backed securities			4,450						32						(490)						3,992
Commercial mortgage-backed securities			3,337						—						(608)						2,729
Supranational securities			246						—						(20)						226
Other			1						—						—						1
Total investment securities held to maturity			$	9,647					$	32					$	(1,188)					$	8,491
Total investment securities			$	41,682					$	417					$	(1,691)					$	40,408
			December 31, 2024
			Amortized Cost						Gross Unrealized Gains						Gross Unrealized Losses						Fair Value
Investment securities available for sale
U.S. Treasury			$	13,897					$	33					$	(27)					$	13,903
Government agency			79						—						(2)						77
Residential mortgage-backed securities			16,161						41						(582)						15,620
Commercial mortgage-backed securities			3,869						7						(210)						3,666
Corporate bonds			489						—						(22)						467
Municipal bonds			17						—						—						17
Total investment securities available for sale			$	34,512					$	81					$	(843)					$	33,750
Investment in marketable equity securities			$	79					$	27					$	(5)					$	101
Investment securities held to maturity
U.S. Treasury			$	483					$	—					$	(31)					$	452
Government agency			1,489						—						(115)						1,374
Residential mortgage-backed securities			4,558						2						(682)						3,878
Commercial mortgage-backed securities			3,407						—						(678)						2,729
Supranational securities			300						—						(33)						267
Other			2						—						—						2
Total investment securities held to maturity			$	10,239					$	2					$	(1,539)					$	8,702
Total investment securities			$	44,830					$	110					$	(2,387)					$	42,553

Schedule of Investment Securities Maturity Information

The following table provides the amortized cost and fair value by contractual maturity. Expected maturities will differ from contractual maturities on certain securities because borrowers and issuers may have the right to call or prepay obligations with or without prepayment penalties. Residential and commercial mortgage-backed and government agency securities are stated separately as they are not due at a single maturity date.

Maturities - Debt Securities

dollars in millions			December 31, 2025												December 31, 2024
			Amortized Cost						Fair Value						Amortized Cost						Fair Value
Investment securities available for sale
Non-amortizing securities maturing in:
One year or less			$	4,893					$	4,914					$	5,090					$	5,086
After one through five years			5,853						5,879						8,945						8,949
After five through 10 years			23						20						346						330
After 10 years			12						12						22						22
Government agency			44						43						79						77
Residential mortgage-backed securities			17,683						17,623						16,161						15,620
Commercial mortgage-backed securities			3,444						3,299						3,869						3,666
Total investment securities available for sale			$	31,952					$	31,790					$	34,512					$	33,750
Investment securities held to maturity
Non-amortizing securities maturing in:
One year or less			$	307					$	303					$	429					$	419
After one through five years			1,434						1,360						1,299						1,208
After five through 10 years			119						107						546						468
Residential mortgage-backed securities			4,450						3,992						4,558						3,878
Commercial mortgage-backed securities			3,337						2,729						3,407						2,729
Total investment securities held to maturity			$	9,647					$	8,491					$	10,239					$	8,702

Schedule of Interest and Dividends on Investment Securities

The following table presents interest and dividend income on investment securities:

Interest and Dividends on Investment Securities

dollars in millions									Year Ended December 31,
															2025						2024						2023
Interest income - taxable investment securities (1)															$	1,687					$	1,344					$	642
Interest income - nontaxable investment securities															1						1						4
Dividend income - marketable equity securities															2						2						2
Interest on investment securities															$	1,690					$	1,347					$	648

(1) Amount includes interest income on securities purchased under agreements to resell.

Schedule of Realized Losses

The following table presents the gross realized gain and loss on sales of investment securities available for sale, and the net realized gain on sale of marketable equity securities:

Realized Gain (Loss) on Sale of Investment Securities, Net

dollars in millions									Year Ended December 31,
															2025						2024						2023
Gross realized gain on sale of investment securities available for sale															$	5					$	1					$	—
Gross realized loss on sale of investment securities available for sale															(3)						(1)						(26)
Net realized gain (loss) on sale of investment securities available for sale															2						—						(26)
Net realized gain on sale of marketable equity securities															1						6						—
Realized gain (loss) on sale of investment securities, net															$	3					$	6					$	(26)

Schedule of Unrealized Losses on Available-for-sale Securities

The following table provides information regarding investment securities available for sale with unrealized losses:

Gross Unrealized Losses on Debt Securities Available For Sale

dollars in millions			December 31, 2025
			Less than 12 months												12 months or more												Total
			Fair Value						Unrealized Losses						Fair Value						Unrealized Losses						Fair Value						Unrealized Losses
Investment securities available for sale
U.S. Treasury			$	859					$	(1)					$	—					$	—					$	859					$	(1)
Government agency			—						—						43						(1)						43						(1)
Residential mortgage-backed securities			815						(2)						3,292						(321)						4,107						(323)
Commercial mortgage-backed securities			48						—						1,129						(173)						1,177						(173)
Corporate bonds			—						—						123						(5)						123						(5)
Total			$	1,722					$	(3)					$	4,587					$	(500)					$	6,309					$	(503)
			December 31, 2024
			Less than 12 months												12 months or more												Total
			Fair Value						Unrealized Losses						Fair Value						Unrealized Losses						Fair Value						Unrealized Losses
Investment securities available for sale
U.S. Treasury			$	3,791					$	(12)					$	981					$	(15)					$	4,772					$	(27)
Government agency			—						—						77						(2)						77						(2)
Residential mortgage-backed securities			7,470						(61)						3,575						(521)						11,045						(582)
Commercial mortgage-backed securities			1,183						(8)						1,342						(202)						2,525						(210)
Corporate bonds			16						—						438						(22)						454						(22)
Total			$	12,460					$	(81)					$	6,413					$	(762)					$	18,873					$	(843)

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