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v3.25.3

Business Segments (Tables) | 9 Months Ended
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Sep. 30, 2025
Segment Reporting [Abstract] |
Schedule of Operating Results and Key Financial Measures by Operating Segments | The following tables present the operating results and other key financial measures for the individual operating segments as of and for the three and nine months ended September 30, 2025 and 2024:
($ in thousands) |  | Consumer and Business Banking |  | Commercial Banking |  | Treasury and Other |  | Total
Three Months Ended September 30, 2025 |  |  |  |  |  |  |  |
Net interest income before provision for (reversal of) credit losses |  | $ | 275,389 |  |  | $ | 265,935 |  |  | $ | 136,206 |  |  | $ | 677,530 |
Noninterest income |  | 31,191 |  |  | 57,983 |  |  | 11,343 |  |  | 100,517 |
Total revenue before provision for (reversal of ) credit losses |  | 306,580 |  |  | 323,918 |  |  | 147,549 |  |  | 778,047 |
Provision for (reversal of) credit losses |  | 16,679 |  |  | 35,580 |  |  | (16,259) |  |  | 36,000 |
Compensation and employee benefits |  | 60,471 |  |  | 62,282 |  |  | 52,832 |  |  | 175,585 |
Other noninterest expense (1) |  | 57,695 |  |  | 36,413 |  |  | 7,230 |  |  | 101,338 |
Total noninterest expense |  | 118,166 |  |  | 98,695 |  |  | 60,062 |  |  | 276,923 |
Segment income before income taxes |  | 171,735 |  |  | 189,643 |  |  | 103,746 |  |  | 465,124 |
Segment net income |  | $ | 123,347 |  |  | $ | 136,267 |  |  | $ | 108,780 |  |  | $ | 368,394 |
Average balances: |  |  |  |  |  |  |  |
Loans |  | $ | 20,500,553 |  |  | $ | 34,408,431 |  |  | $ | 299,594 |  |  | $ | 55,208,578 |
Deposits |  | $ | 33,883,506 |  |  | $ | 28,027,523 |  |  | $ | 4,278,738 |  |  | $ | 66,189,767 |
As of September 30, 2025 |  |  |  |  |  |  |  |
Segment assets |  | $ | 21,078,748 |  |  | $ | 36,867,668 |  |  | $ | 21,723,115 |  |  | $ | 79,669,531 |
($ in thousands) |  | Consumer and Business Banking |  | Commercial Banking |  | Treasury and Other |  | Total
Three Months Ended September 30, 2024 |  |  |  |  |  |  |  |
Net interest income (loss) before provision for (reversal of) credit losses |  | $ | 290,884 |  |  | $ | 288,704 |  |  | $ | (6,866) |  |  | $ | 572,722 |
Noninterest income |  | 27,970 |  |  | 45,577 |  |  | 10,848 |  |  | 84,395 |
Total revenue before provision for (reversal of ) credit losses |  | 318,854 |  |  | 334,281 |  |  | 3,982 |  |  | 657,117 |
Provision for (reversal of) credit losses |  | 5,927 |  |  | 36,934 |  |  | (861) |  |  | 42,000 |
Compensation and employee benefits |  | 53,865 |  |  | 57,582 |  |  | 24,017 |  |  | 135,464 |
Other noninterest expense (1) |  | 58,141 |  |  | 36,020 |  |  | (3,825) |  |  | 90,336 |
Total noninterest expense |  | 112,006 |  |  | 93,602 |  |  | 20,192 |  |  | 225,800 |
Segment income (loss) before income taxes |  | 200,921 |  |  | 203,745 |  |  | (15,349) |  |  | 389,317 |
Segment net income |  | $ | 141,532 |  |  | $ | 143,218 |  |  | $ | 14,416 |  |  | $ | 299,166 |
Average balances: |  |  |  |  |  |  |  |
Loans |  | $ | 19,048,831 |  |  | $ | 32,975,235 |  |  | $ | 396,450 |  |  | $ | 52,420,516 |
Deposits |  | $ | 31,462,739 |  |  | $ | 26,310,972 |  |  | $ | 2,811,545 |  |  | $ | 60,585,256 |
As of September 30, 2024 |  |  |  |  |  |  |  |
Segment assets |  | $ | 19,650,183 |  |  | $ | 35,714,691 |  |  | $ | 19,118,846 |  |  | $ | 74,483,720 |
($ in thousands) |  | Consumer and Business Banking |  | Commercial Banking |  | Treasury and Other |  | Total
Nine Months Ended September 30, 2025 |  |  |  |  |  |  |  |
Net interest income before provision for (reversal of) credit losses |  | $ | 818,195 |  |  | $ | 773,080 |  |  | $ | 303,530 |  |  | $ | 1,894,805 |
Noninterest income |  | 91,205 |  |  | 161,313 |  |  | 26,279 |  |  | 278,797 |
Total revenue before provision for (reversal of ) credit losses |  | 909,400 |  |  | 934,393 |  |  | 329,809 |  |  | 2,173,602 |
Provision for (reversal of) credit losses |  | 31,139 |  |  | 115,083 |  |  | (16,222) |  |  | 130,000 |
Compensation and employee benefits |  | 180,585 |  |  | 181,061 |  |  | 105,215 |  |  | 466,861 |
Other noninterest expense (1) |  | 172,140 |  |  | 114,784 |  |  | 31,306 |  |  | 318,230 |
Total noninterest expense |  | 352,725 |  |  | 295,845 |  |  | 136,521 |  |  | 785,091 |
Segment income before income taxes |  | 525,536 |  |  | 523,465 |  |  | 209,510 |  |  | 1,258,511 |
Segment net income |  | $ | 374,730 |  |  | $ | 373,499 |  |  | $ | 220,688 |  |  | $ | 968,917 |
Average balances: |  |  |  |  |  |  |  |
Loans |  | $ | 20,151,497 |  |  | $ | 33,800,162 |  |  | $ | 331,101 |  |  | $ | 54,282,760 |
Deposits |  | $ | 32,992,699 |  |  | $ | 26,832,722 |  |  | $ | 4,355,985 |  |  | $ | 64,181,406 |
As of September 30, 2025 |  |  |  |  |  |  |  |
Segment assets |  | $ | 21,078,748 |  |  | $ | 36,867,668 |  |  | $ | 21,723,115 |  |  | $ | 79,669,531 |
($ in thousands) |  | Consumer and Business Banking |  | Commercial Banking |  | Treasury and Other |  | Total
Nine Months Ended September 30, 2024 |  |  |  |  |  |  |  |
Net interest income (loss) before provision for (reversal of) credit losses |  | $ | 880,316 |  |  | $ | 855,607 |  |  | $ | (44,833) |  |  | $ | 1,691,090 |
Noninterest income |  | 80,288 |  |  | 141,634 |  |  | 25,131 |  |  | 247,053 |
Total revenue (loss) before provision for (reversal of) credit losses |  | 960,604 |  |  | 997,241 |  |  | (19,702) |  |  | 1,938,143 |
Provision for (reversal of) credit losses |  | 5,246 |  |  | 99,996 |  |  | (1,242) |  |  | 104,000 |
Compensation and employee benefits |  | 161,557 |  |  | 175,881 |  |  | 73,426 |  |  | 410,864 |
Other noninterest expense (1) |  | 176,279 |  |  | 120,371 |  |  | 592 |  |  | 297,242 |
Total noninterest expense |  | 337,836 |  |  | 296,252 |  |  | 74,018 |  |  | 708,106 |
Segment income (loss) before income taxes |  | 617,522 |  |  | 600,993 |  |  | (92,478) |  |  | 1,126,037 |
Segment net income |  | $ | 434,992 |  |  | $ | 423,407 |  |  | $ | 14,072 |  |  | $ | 872,471 |
Average balances: |  |  |  |  |  |  |  |
Loans |  | $ | 18,817,573 |  |  | $ | 32,854,843 |  |  | $ | 416,845 |  |  | $ | 52,089,261 |
Deposits |  | $ | 30,406,431 |  |  | $ | 25,667,059 |  |  | $ | 2,835,470 |  |  | $ | 58,908,960 |
As of September 30, 2024 |  |  |  |  |  |  |  |
Segment assets |  | $ | 19,650,183 |  |  | $ | 35,714,691 |  |  | $ | 19,118,846 |  |  | $ | 74,483,720 |
(1)The Consumer and Business Banking segment's other noninterest expense is primarily comprised of corporate overhead allocated expenses, occupancy and equipment expense, and other operating expenses. The Commercial Banking segment’s other noninterest expense is primarily comprised of corporate overhead allocated expenses, deposit account expense, and other operating expenses. The Treasury and Other segment's other noninterest expense is primarily comprised of amortization of tax credit and CRA investments, and other operating expenses, net of any corporate overhead expenses allocated to other segments.

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- 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 + Details
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