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SEGMENT INFORMATION (Tables)

12 Months Ended

Dec. 31, 2025

Segment Reporting [Abstract]

Schedule of Segment Reporting Information

The following tables present the condensed income statements by segment and include the significant segment expenses and measure of segment profit or loss.

dollars in millions			Year Ended December 31, 2025
			General Bank						Commercial Bank												Rail						Corporate (1)						BancShares (2)
Net interest income (expense)			$	3,299					$	3,205											$	(213)					$	523					$	6,814
Rental income on operating lease equipment			—						219												877						—						1,096
All other noninterest income			664						906												16						45						1,631
Total noninterest income			664						1,125												893						45						2,727
Total revenue			3,963						4,330												680						568						9,541
Depreciation on operating lease equipment			—						175												223						—						398
Maintenance and other operating lease expenses			—						—												244						—						244
Personnel cost			838						737												26						1,693						3,294
Acquisition-related expenses			—						—												—						141						141
All other noninterest expense (3)			1,493						1,686												72						(1,272)						1,979
Total noninterest expense			2,331						2,598												565						562						6,056
Provision for credit losses			77						437												—						—						514
Income before income taxes			1,555						1,295												115						6						2,971
Income tax expense			380						320												28						37						765
Net income (loss)			$	1,175					$	975											$	87					$	(31)					$	2,206
Select Period End Balances
Loans and leases			$	64,958					$	82,910											$	62					$	—					$	147,930
Operating lease equipment, net			—						739												8,882						—						9,621
Investment securities			—						—												—						41,564						41,564
Deposits			74,796						41,532												2						45,248						161,578
(1) Corporate includes all other financial information that is not included in the reportable segments.
(2) In the segment reporting table above, there are no reconciling differences between BancShares and the aggregate of all reportable segments and Corporate.
(3) All other noninterest expense represents “other segment items” under ASC 280 and primarily includes Allocated Expenses, net occupancy expense, equipment expense, professional fees, third-party processing fees, FDIC insurance expense, marketing expense, and intangible amortization. All other noninterest expense is presented net of Allocated Expenses in the segment reporting table above, resulting in Contra Expense for Corporate as further discussed above.

			Year Ended December 31, 2024
			General Bank						Commercial Bank												Rail						Corporate (1)						BancShares (2)
Net interest income (expense)			$	2,951					$	3,403											$	(186)					$	975					$	7,143
Rental income on operating lease equipment			—						227												821						—						1,048
All other noninterest income			612						882												14						59						1,567
Total noninterest income			612						1,109												835						59						2,615
Total revenue			3,563						4,512												649						1,034						9,758
Depreciation on operating lease equipment			—						185												209						—						394
Maintenance and other operating lease expenses			—						—												219						—						219
Personnel cost			783						741												25						1,529						3,078
Acquisition-related expenses			—						—												—						210						210
All other noninterest expense (3)			1,342						1,626												59						(1,193)						1,834
Total noninterest expense			2,125						2,552												512						546						5,735
Provision for credit losses			135						296												—						—						431
Income before income taxes			1,303						1,664												137						488						3,592
Income tax expense			362						442												36						(25)						815
Net income			$	941					$	1,222											$	101					$	513					$	2,777
Select Period End Balances
Loans and leases			$	64,887					$	75,272											$	62					$	—					$	140,221
Operating lease equipment, net			—						750												8,573						—						9,323
Investment securities			—						—												—						44,090						44,090
Deposits			72,956						40,026												18						42,229						155,229
dollars in millions			Year Ended December 31, 2023
			General Bank						Commercial Bank												Rail						Corporate (1)						BancShares (2)
Net interest income (expense)			$	2,560					$	2,682											$	(141)					$	1,611					$	6,712
Rental income on operating lease equipment			—						231												740						—						971
All other noninterest income			526						756												5						9,817						11,104
Total noninterest income			526						987												745						9,817						12,075
Total revenue			3,086						3,669												604						11,428						18,787
Depreciation on operating lease equipment			—						179												192						—						371
Maintenance and other operating lease expenses			—						—												222						—						222
Personnel cost			734						599												22						1,281						2,636
Acquisition-related expenses			—						—												—						470						470
All other noninterest expense (3)			1,259						1,468												50						(1,141)						1,636
Total noninterest expense			1,993						2,246												486						610						5,335
Provision for credit losses			53						606												—						716						1,375
Income before income taxes			1,040						817												118						10,102						12,077
Income tax expense			279						213												31						88						611
Net income			$	761					$	604											$	87					$	10,014					$	11,466
Select Period End Balances
Loans and leases			$	61,245					$	72,034											$	23					$	—					$	133,302
Operating lease equipment, net			—						780												7,966						—						8,746
Investment securities			—						—												—						29,999						29,999
Deposits			68,507						38,179												13						39,155						145,854
(1) Corporate includes all other financial information that is not included in the reportable segments.
(2) In the segment reporting table above, there are no reconciling differences between BancShares and the aggregate of all reportable segments and Corporate.
(3) All other noninterest expense represents “other segment items” under ASC 280 and primarily includes Allocated Expenses, net occupancy expense, equipment expense, professional fees, third-party processing fees, FDIC insurance expense, marketing expense, and intangible amortization. All other noninterest expense is presented net of Allocated Expenses in the segment reporting table above, resulting in Contra Expense for Corporate as further discussed above.

X

- Definition

Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 25
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-25

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 22
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 30
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-30

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- References

No definition available.

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