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Accumulated Other Comprehensive Income | 6 Months Ended
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Jun. 30, 2026
Equity [Abstract] |
Accumulated Other Comprehensive Income | Accumulated Other Comprehensive Income The tables below present the activity of the components of OCI and AOCI for the three months ended:
| Total OCI | Total AOCI
June 30, 2026 ($ in millions) | Pre-tax Activity | Tax Effect | Net Activity | Beginning Balance | Net Activity | Ending Balance
Unrealized holding losses on available-for-sale debt securities arising during period | $ | (97) |  | 22 |  | (75) |  |  |  |
Reclassification adjustment for net losses on available-for-sale debt securities included in net income | 17 |  | (4) |  | 13 |  |  |  |
Net unrealized losses on available-for-sale debt securities | (80) |  | 18 |  | (62) |  | (2,331) |  | (62) |  | (2,393) |
Amortization of unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities included in net income | 30 |  | (6) |  | 24 |  |  |  |
Net unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities | 30 |  | (6) |  | 24 |  | (565) |  | 24 |  | (541) |
Unrealized holding losses on cash flow hedge derivatives arising during period | (118) |  | 28 |  | (90) |  |  |  |
Reclassification adjustment for net losses on cash flow hedge derivatives included in net income | 21 |  | (5) |  | 16 |  |  |  |
Net unrealized losses on cash flow hedge derivatives | (97) |  | 23 |  | (74) |  | (321) |  | (74) |  | (395) |
Net actuarial gain arising during period | 83 |  | (19) |  | 64 |  |  |  |
Reclassification of amounts to net periodic benefit costs | (5) |  | 1 |  | (4) |  |  |  |
Defined benefit pension plans, net | 78 |  | (18) |  | 60 |  | (15) |  | 60 |  | 45 |
Other | — |  | — |  | — |  | (2) |  | — |  | (2) |
Total | $ | (69) |  | 17 |  | (52) |  | (3,234) |  | (52) |  | (3,286) |
| Total OCI | Total AOCI
June 30, 2025 ($ in millions) | Pre-tax Activity | Tax Effect | Net Activity | Beginning Balance | Net Activity | Ending Balance
Unrealized holding gains on available-for-sale debt securities arising during period | $ | 237 |  | (58) |  | 179 |  |  |  |
Reclassification adjustment for net losses on available-for-sale debt securities included in net income | — |  | — |  | — |  |  |  |
Net unrealized losses on available-for-sale debt securities | 237 |  | (58) |  | 179 |  | (2,799) |  | 179 |  | (2,620) |
Amortization of unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities included in net income | 28 |  | (6) |  | 22 |  |  |  |
Net unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities | 28 |  | (6) |  | 22 |  | (659) |  | 22 |  | (637) |
Unrealized holding gains on cash flow hedge derivatives arising during period | 144 |  | (34) |  | 110 |  |  |  |
Reclassification adjustment for net losses on cash flow hedge derivatives included in net income | 50 |  | (12) |  | 38 |  |  |  |
Net unrealized losses on cash flow hedge derivatives | 194 |  | (46) |  | 148 |  | (419) |  | 148 |  | (271) |
Defined benefit pension plans, net | — |  | — |  | — |  | (16) |  | — |  | (16) |
Other | — |  | — |  | — |  | (2) |  | — |  | (2) |
Total | $ | 459 |  | (110) |  | 349 |  | (3,895) |  | 349 |  | (3,546) |
The tables below present the activity of the components of OCI and AOCI for the six months ended:
| Total OCI | Total AOCI
June 30, 2026 ($ in millions) | Pre-tax Activity | Tax Effect | Net Activity | Beginning Balance | Net Activity | Ending Balance
Unrealized holding losses on available-for-sale debt securities arising during period | $ | (227) |  | 51 |  | (176) |  |  |  |
Reclassification adjustment for net losses on available-for-sale debt securities included in net income | 18 |  | (4) |  | 14 |  |  |  |
Net unrealized losses on available-for-sale debt securities | (209) |  | 47 |  | (162) |  | (2,231) |  | (162) |  | (2,393) |
Amortization of unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities included in net income | 57 |  | (11) |  | 46 |  |  |  |
Net unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities | 57 |  | (11) |  | 46 |  | (587) |  | 46 |  | (541) |
Unrealized holding losses on cash flow hedge derivatives arising during period | (199) |  | 47 |  | (152) |  |  |  |
Reclassification adjustment for net losses on cash flow hedge derivatives included in net income | 42 |  | (10) |  | 32 |  |  |  |
Net unrealized losses on cash flow hedge derivatives | (157) |  | 37 |  | (120) |  | (275) |  | (120) |  | (395) |
Net actuarial gain arising during period | 83 |  | (19) |  | 64 |  |  |  |
Reclassification of amounts to net periodic benefit costs | (5) |  | 1 |  | (4) |  |  |  |
Defined benefit pension plans, net | 78 |  | (18) |  | 60 |  | (15) |  | 60 |  | 45 |
Other | — |  | — |  | — |  | (2) |  | — |  | (2) |
Total | $ | (231) |  | 55 |  | (176) |  | (3,110) |  | (176) |  | (3,286) |
| Total OCI | Total AOCI
June 30, 2025 ($ in millions) | Pre-tax Activity | Tax Effect | Net Activity | Beginning Balance | Net Activity | Ending Balance
Unrealized holding gains on available-for-sale debt securities arising during period | $ | 870 |  | (210) |  | 660 |  |  |  |
Reclassification adjustment for net gains on available-for-sale debt securities included in net income | — |  | — |  | — |  |  |  |
Net unrealized losses on available-for-sale debt securities | 870 |  | (210) |  | 660 |  | (3,280) |  | 660 |  | (2,620) |
Amortization of unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities included in net income | 60 |  | (13) |  | 47 |  |  |  |
Net unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities | 60 |  | (13) |  | 47 |  | (684) |  | 47 |  | (637) |
Unrealized holding gains on cash flow hedge derivatives arising during period | 399 |  | (96) |  | 303 |  |  |  |
Reclassification adjustment for net losses on cash flow hedge derivatives included in net income | 105 |  | (25) |  | 80 |  |  |  |
Net unrealized losses on cash flow hedge derivatives | 504 |  | (121) |  | 383 |  | (654) |  | 383 |  | (271) |
Defined benefit pension plans, net | — |  | — |  | — |  | (16) |  | — |  | (16) |
Other | — |  | — |  | — |  | (2) |  | — |  | (2) |
Total | $ | 1,434 |  | (344) |  | 1,090 |  | (4,636) |  | 1,090 |  | (3,546) |
The table below presents reclassifications out of AOCI:
| Condensed Consolidated Statements of Income Caption | For the three months ended June 30, | For the six months ended June 30,
($ in millions) | 2026 | 2025 | 2026 | 2025
Net unrealized losses on available-for-sale debt securities:(a) |  |  |  |  |
Net losses included in net income | Securities gains, net | $ | (17) |  | — |  | (18) |  | — |
| Income before income taxes | (17) |  | — |  | (18) |  | — |
| Applicable income tax expense | 4 |  | — |  | 4 |  | — |
| Net income | (13) |  | — |  | (14) |  | — |
Net unrealized losses on available-for-sale debt securities transferred to held-to-maturity securities:(a) |  |  |  |  |
Net losses included in net income | Interest on securities | (30) |  | (28) |  | (57) |  | (60) |
| Income before income taxes | (30) |  | (28) |  | (57) |  | (60) |
| Applicable income tax expense | 6 |  | 6 |  | 11 |  | 13 |
| Net income | (24) |  | (22) |  | (46) |  | (47) |
Net unrealized losses on cash flow hedge derivatives:(a) |  |  |  |  |
Interest rate contracts related to C&I, commercial mortgage and commercial construction loans | Interest and fees on loans and leases | (21) |  | (50) |  | (42) |  | (105) |
| Income before income taxes | (21) |  | (50) |  | (42) |  | (105) |
| Applicable income tax expense | 5 |  | 12 |  | 10 |  | 25 |
| Net income | (16) |  | (38) |  | (32) |  | (80) |
Net periodic benefit costs:(a) |  |  |  |  |
Amortization of net actuarial loss | Other noninterest expense(b) | (1) |  | — |  | (1) |  | — |
Curtailment gain | Other noninterest expense(b) | 6 |  | — |  | 6 |  | — |
| Income before income taxes | 5 |  | — |  | 5 |  | — |
| Applicable income tax expense | (1) |  | — |  | (1) |  | — |
| Net income | 4 |  | — |  | 4 |  | — |
Total reclassifications for the period | Net income | $ | (49) |  | (60) |  | (88) |  | (127) |
(a)Amounts in parentheses indicate reductions to net income. (b)This AOCI component is included in the computation of net periodic pension benefit. Refer to Note 18 for further information.

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