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REGULATORY CAPITAL (Tables)

12 Months Ended

Dec. 31, 2025

Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]

Schedule of Compliance with Regulatory Capital Requirements

The following table includes the Basel III requirements for regulatory capital ratios.

			Basel III Minimums						Basel III Conservation Buffers						Basel III Requirements
Regulatory capital ratios
Total risk-based capital			8.00		%				2.50		%				10.50		%
Tier 1 risk-based capital			6.00						2.50						8.50
Common equity Tier 1			4.50						2.50						7.00
Tier 1 leverage			4.00						—						4.00

The regulatory capital ratios for BancShares and FCB exceed the Basel III requirements and the PCA well capitalized thresholds as of December 31, 2025 and 2024 as summarized in the following table.

dollars in millions															December 31, 2025												December 31, 2024
			Basel III Requirements						PCA Well Capitalized Thresholds						Amount						Ratio						Amount						Ratio
BancShares
Total risk-based capital			10.50		%				10.00		%				$	24,945					13.71		%				$	24,610					15.04		%
Tier 1 risk-based capital			8.50						8.00						21,660						11.91						22,137						13.53
Common equity Tier 1			7.00						6.50						20,285						11.15						21,256						12.99
Tier 1 leverage			4.00						5.00						21,660						9.29						22,137						9.90
FCB
Total risk-based capital			10.50		%				10.00		%				$	24,739					13.62		%				$	23,975					14.66		%
Tier 1 risk-based capital			8.50						8.00						22,796						12.55						21,852						13.37
Common equity Tier 1			7.00						6.50						22,796						12.55						21,852						13.37
Tier 1 leverage			4.00						5.00						22,796						9.79						21,852						9.78

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- References

No definition available.

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- Definition

Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1B

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