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LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Tables)

9 Months Ended

Sep. 30, 2025

Receivables [Abstract]

Summary of Major Portfolio Segment and Specific Loan Class

The following schedule presents our loan and lease portfolio according to major portfolio segment and specific class:

(In millions)			September 30, 2025						December 31, 2024
Loans held for sale			$	215					$	74
Commercial:
Commercial and industrial			$	17,222					$	16,891
Owner-occupied			9,267						9,333
Municipal			4,341						4,364
Leasing			349						377
Total commercial			31,179						30,965
Commercial real estate:
Term			11,008						10,703
Construction and land development			2,469						2,774
Total commercial real estate			13,477						13,477
Consumer:
1-4 family residential			10,423						9,939
Home equity credit line			3,848						3,641
Construction and other consumer real estate			769						810
Bankcard and other revolving plans			477						457
Other			129						121
Total consumer			15,646						14,968
Total loans and leases			$	60,302					$	59,410

Loans Held For Sale

The following schedule presents loans added to, or sold from, the held for sale category during the periods presented:

			Three Months Ended September 30,												Nine Months Ended September 30,
(In millions)			2025						2024						2025						2024
Loans added to held for sale			$	267					$	289					$	715					$	688
Loans sold from held for sale			222						304						572						644

Summary of Changes in the Allowance for Credit Losses

Changes in the ACL are summarized as follows:

			Three Months Ended September 30, 2025
(In millions)			Commercial						Commercial real estate						Consumer						Total
Allowance for loan losses
Balance at beginning of period			$	361					$	230					$	99					$	690
Provision for loan losses			57						(11)						(1)						45
Gross loan and lease charge-offs			61						3						3						67
Recoveries			9						1						1						11
Net loan and lease charge-offs (recoveries)			52						2						2						56
Balance at end of period			$	366					$	217					$	96					$	679
Reserve for unfunded lending commitments
Balance at beginning of period			$	22					$	12					$	8					$	42
Provision for unfunded lending commitments			1						4						(1)						4
Balance at end of period			$	23					$	16					$	7					$	46
Total allowance for credit losses at end of period
Allowance for loan losses			$	366					$	217					$	96					$	679
Reserve for unfunded lending commitments			23						16						7						46
Total allowance for credit losses			$	389					$	233					$	103					$	725

			Nine Months Ended September 30, 2025
(In millions)			Commercial						Commercial real estate						Consumer						Total
Allowance for loan losses
Balance at beginning of period			$	308					$	300					$	88					$	696
Provision for loan losses			129						(80)						16						65
Gross loan and lease charge-offs			92						4						11						107
Recoveries			21						1						3						25
Net loan and lease charge-offs (recoveries)			71						3						8						82
Balance at end of period			$	366					$	217					$	96					$	679
Reserve for unfunded lending commitments
Balance at beginning of period			$	26					$	11					$	8					$	45
Provision for unfunded lending commitments			(3)						5						(1)						1
Balance at end of period			$	23					$	16					$	7					$	46
Total allowance for credit losses at end of period
Allowance for loan losses			$	366					$	217					$	96					$	679
Reserve for unfunded lending commitments			23						16						7						46
Total allowance for credit losses			$	389					$	233					$	103					$	725

			Three Months Ended September 30, 2024
(In millions)			Commercial						Commercial real estate						Consumer						Total
Allowance for loan losses
Balance at beginning of period			$	302					$	300					$	94					$	696
Provision for loan losses			7						(13)						7						1
Gross loan and lease charge-offs			12						—						3						15
Recoveries			9						2						1						12
Net loan and lease charge-offs (recoveries)			3						(2)						2						3
Balance at end of period			$	306					$	289					$	99					$	694
Reserve for unfunded lending commitments
Balance at beginning of period			$	16					$	7					$	7					$	30
Provision for unfunded lending commitments			4						5						3						12
Balance at end of period			$	20					$	12					$	10					$	42
Total allowance for credit losses at end of period
Allowance for loan losses			$	306					$	289					$	99					$	694
Reserve for unfunded lending commitments			20						12						10						42
Total allowance for credit losses			$	326					$	301					$	109					$	736

			Nine Months Ended September 30, 2024
(In millions)			Commercial						Commercial real estate						Consumer						Total
Allowance for loan losses
Balance at beginning of period			$	302					$	241					$	141					$	684
Provision for loan losses			15						56						(37)						34
Gross loan and lease charge-offs			30						11						9						50
Recoveries			19						3						4						26
Net loan and lease charge-offs (recoveries)			11						8						5						24
Balance at end of period			$	306					$	289					$	99					$	694
Reserve for unfunded lending commitments
Balance at beginning of period			$	19					$	17					$	9					$	45
Provision for unfunded lending commitments			1						(5)						1						(3)
Balance at end of period			$	20					$	12					$	10					$	42
Total allowance for credit losses at end of period
Allowance for loan losses			$	306					$	289					$	99					$	694
Reserve for unfunded lending commitments			20						12						10						42
Total allowance for credit losses			$	326					$	301					$	109					$	736

Summary of Nonaccrual Loans

The following schedule presents the amortized cost basis of loans on nonaccrual:

			September 30, 2025
			Amortized cost basis												Total amortized cost basis
(In millions)			with no allowance						with allowance												Related allowance
Commercial:
Commercial and industrial			$	50					$	57					$	107					$	22
Owner-occupied			13						27						40						2
Municipal			—						2						2						—
Leasing			—						4						4						1
Total commercial			63						90						153						25
Commercial real estate:
Term			1						69						70						3
Total commercial real estate			1						69						70						3
Consumer:
1-4 family residential			11						52						63						4
Home equity credit line			—						32						32						7
Bankcard and other revolving plans			—						1						1						1
Total consumer			11						85						96						12
Total			$	75					$	244					$	319					$	40

			December 31, 2024
			Amortized cost basis												Total amortized cost basis
(In millions)			with no allowance						with allowance												Related allowance
Commercial:
Commercial and industrial			$	45					$	69					$	114					$	19
Owner-occupied			18						13						31						1
Municipal			5						6						11						2
Leasing			—						2						2						1
Total commercial			68						90						158						23
Commercial real estate:
Term			27						32						59						4
Total commercial real estate			27						32						59						4
Consumer:
1-4 family residential			12						37						49						4
Home equity credit line			5						25						30						5
Bankcard and other revolving plans			—						1						1						1
Total consumer			17						63						80						10
Total			$	112					$	185					$	297					$	37

The following schedule presents the amount of accrued interest receivables reversed from interest income, categorized by loan portfolio segment during the periods presented:

			Three Months Ended September 30,												Nine Months Ended September 30,
(In millions)			2025						2024						2025						2024
Commercial			$	4					$	5					$	5					$	10
Commercial real estate			1						1						4						4
Consumer			1						1						3						3
Total			$	6					$	7					$	12					$	17

Summary of Past Due Loans (Accruing and Nonaccruing)

Past due loans (accruing and nonaccruing) are summarized as follows:

			September 30, 2025
(In millions)			Current						30-89 days past due						90+ days past due						Total past due						Total loans						Accruing loans 90+ days past due						Nonaccrual loans that are current 1
Commercial:
Commercial and industrial			$	17,188					$	18					$	16					$	34					$	17,222					$	3					$	92
Owner-occupied			9,231						17						19						36						9,267						—						15
Municipal			4,341						—						—						—						4,341						—						2
Leasing			347						1						1						2						349						—						2
Total commercial			31,107						36						36						72						31,179						3						111
Commercial real estate:
Term			10,941						35						32						67						11,008						1						23
Construction and land development			2,469						—						—						—						2,469						—						—
Total commercial real estate			13,410						35						32						67						13,477						1						23
Consumer:
1-4 family residential			10,374						12						37						49						10,423						—						23
Home equity credit line			3,820						16						12						28						3,848						—						15
Construction and other consumer real estate			768						1						—						1						769						—						—
Bankcard and other revolving plans			473						3						1						4						477						1						—
Other			129						—						—						—						129						—						1
Total consumer			15,564						32						50						82						15,646						1						39
Total			$	60,081					$	103					$	118					$	221					$	60,302					$	5					$	173

			December 31, 2024
(In millions)			Current						30-89 days past due						90+ days past due						Total past due						Total loans						Accruing loans 90+ days past due						Nonaccrual loans that are current 1
Commercial:
Commercial and industrial			$	16,857					$	20					$	14					$	34					$	16,891					$	1					$	98
Owner-occupied			9,309						10						14						24						9,333						3						16
Municipal			4,348						6						10						16						4,364						10						11
Leasing			377						—						—						—						377						—						2
Total commercial			30,891						36						38						74						30,965						14						127
Commercial real estate:
Term			10,667						2						34						36						10,703						3						28
Construction and land development			2,774						—						—						—						2,774						—						—
Total commercial real estate			13,441						2						34						36						13,477						3						28
Consumer:
1-4 family residential			9,896						16						27						43						9,939						—						15
Home equity credit line			3,609						20						12						32						3,641						—						13
Construction and other consumer real estate			810						—						—						—						810						—						—
Bankcard and other revolving plans			453						2						2						4						457						1						—
Other			121						—						—						—						121						—						—
Total consumer			14,889						38						41						79						14,968						1						28
Total			$	59,221					$	76					$	113					$	189					$	59,410					$	18					$	183

1 Represents nonaccrual loans that are not past due more than 30 days; however, full payment of principal and interest is not expected.

Summary of Outstanding Loan Balances (Accruing and Nonaccruing) Categorized by Credit Quality Indicators

The following schedule presents the amortized cost basis of loans and leases categorized by year of origination and by credit quality classification as monitored by management. Loans that have been modified resulting in substantially different terms than the original loan are included in the period in which the modification occurred.

			September 30, 2025
			Term loans																		Revolving loans amortized cost basis			Revolving loans converted to term loans amortized cost basis
			Amortized cost basis by year of origination
(In millions)			2025			2024			2023			2022			2021			Prior									Total
Commercial:
Commercial and industrial
Pass			$	2,491		$	2,136		$	1,453		$	1,014		$	434		$	749		$	8,082		$	149		$	16,508
Special Mention			10			58			7			2			11			14			87			5			194
Accruing Substandard			1			60			59			70			19			31			162			11			413
Nonaccrual			4			4			3			39			3			6			21			27			107
Total commercial and industrial			2,506			2,258			1,522			1,125			467			800			8,352			192			17,222
Owner-occupied
Pass			809			1,323			757			1,457			1,506			2,651			237			50			8,790
Special Mention			2			2			—			11			12			24			—			1			52
Accruing Substandard			11			24			17			112			93			101			24			3			385
Nonaccrual			6			7			2			6			2			15			2			—			40
Total owner-occupied			828			1,356			776			1,586			1,613			2,791			263			54			9,267
Municipal
Pass			350			624			422			869			886			1,124			2			41			4,318
Special Mention			—			3			—			—			—			—			—			—			3
Accruing Substandard			—			—			—			—			—			18			—			—			18
Nonaccrual			—			—			—			—			2			—			—			—			2
Total municipal			350			627			422			869			888			1,142			2			41			4,341
Leasing
Pass			46			95			63			78			18			30			—			—			330
Special Mention			—			—			—			—			—			—			—			—			—
Accruing Substandard			—			1			2			10			1			1			—			—			15
Nonaccrual			—			1			1			2			—			—			—			—			4
Total leasing			46			97			66			90			19			31			—			—			349
Total commercial			3,730			4,338			2,786			3,670			2,987			4,764			8,617			287			31,179
Commercial real estate:
Term
Pass			1,954			1,301			1,174			1,788			1,102			1,951			268			154			9,692
Special Mention			9			13			10			99			—			1			—			—			132
Accruing Substandard			270			101			135			388			78			61			27			54			1,114
Nonaccrual			22			—			16			22			—			10			—			—			70
Total term			2,255			1,415			1,335			2,297			1,180			2,023			295			208			11,008
Construction and land development
Pass			293			530			513			127			1			2			739			41			2,246
Special Mention			—			1			36			32			—			—			—			—			69
Accruing Substandard			51			8			47			48			—			—			—			—			154
Nonaccrual			—			—			—			—			—			—			—			—			—
Total construction and land development			344			539			596			207			1			2			739			41			2,469
Total commercial real estate			2,599			1,954			1,931			2,504			1,181			2,025			1,034			249			13,477

			September 30, 2025
			Term loans																		Revolving loans amortized cost basis			Revolving loans converted to term loans amortized cost basis
			Amortized cost basis by year of origination
(In millions)			2025			2024			2023			2022			2021			Prior									Total
Consumer:
1-4 family residential
Pass			$	595		$	966		$	921		$	3,135		$	1,844		$	2,898		$	—		$	—		$	10,359
Special Mention			—			—			—			—			—			—			—			—			—
Accruing Substandard			—			—			—			—			—			1			—			—			1
Nonaccrual			1			2			5			13			14			28			—			—			63
Total 1-4 family residential			596			968			926			3,148			1,858			2,927			—			—			10,423
Home equity credit line
Pass			—			—			—			—			—			—			3,702			106			3,808
Special Mention			—			—			—			—			—			—			—			—			—
Accruing Substandard			—			—			—			—			—			—			8			—			8
Nonaccrual			—			—			—			—			—			—			28			4			32
Total home equity credit line			—			—			—			—			—			—			3,738			110			3,848
Construction and other consumer real estate
Pass			147			336			108			170			6			2			—			—			769
Special Mention			—			—			—			—			—			—			—			—			—
Accruing Substandard			—			—			—			—			—			—			—			—			—
Nonaccrual			—			—			—			—			—			—			—			—			—
Total construction and other consumer real estate			147			336			108			170			6			2			—			—			769
Bankcard and other revolving plans
Pass			—			—			—			—			—			—			474			—			474
Special Mention			—			—			—			—			—			—			—			—			—
Accruing Substandard			—			—			—			—			—			—			2			—			2
Nonaccrual			—			—			—			—			—			—			1			—			1
Total bankcard and other revolving plans			—			—			—			—			—			—			477			—			477
Other consumer
Pass			58			30			22			13			4			2			—			—			129
Special Mention			—			—			—			—			—			—			—			—			—
Accruing Substandard			—			—			—			—			—			—			—			—			—
Nonaccrual			—			—			—			—			—			—			—			—			—
Total other consumer			58			30			22			13			4			2			—			—			129
Total consumer			801			1,334			1,056			3,331			1,868			2,931			4,215			110			15,646
Total loans			$	7,130		$	7,626		$	5,773		$	9,505		$	6,036		$	9,720		$	13,866		$	646		$	60,302

			December 31, 2024
			Term loans																		Revolving loans amortized cost basis			Revolving loans converted to term loans amortized cost basis
			Amortized cost basis by year of origination
(In millions)			2024			2023			2022			2021			2020			Prior									Total
Commercial:
Commercial and industrial
Pass			$	2,479		$	1,951		$	1,504		$	759		$	387		$	679		$	8,043		$	150		$	15,952
Special Mention			37			24			47			8			2			34			85			5			242
Accruing Substandard			53			43			200			26			28			21			200			12			583
Nonaccrual			7			13			31			17			1			4			38			3			114
Total commercial and industrial			2,576			2,031			1,782			810			418			738			8,366			170			16,891
Owner-occupied
Pass			1,346			907			1,606			1,657			900			2,097			234			47			8,794
Special Mention			38			—			38			31			2			18			18			1			146
Accruing Substandard			23			28			75			66			25			133			7			5			362
Nonaccrual			5			1			4			1			—			15			5			—			31
Total owner-occupied			1,412			936			1,723			1,755			927			2,263			264			53			9,333
Municipal
Pass			604			498			939			960			553			753			—			29			4,336
Special Mention			—			—			—			—			—			—			—			—			—
Accruing Substandard			10			4			—			—			—			3			—			—			17
Nonaccrual			3			—			—			5			—			3			—			—			11
Total municipal			617			502			939			965			553			759			—			29			4,364
Leasing
Pass			109			79			94			26			12			36			—			—			356
Special Mention			—			—			2			—			—			—			—			—			2
Accruing Substandard			1			3			10			2			1			—			—			—			17
Nonaccrual			—			1			1			—			—			—			—			—			2
Total leasing			110			83			107			28			13			36			—			—			377
Total commercial			4,715			3,552			4,551			3,558			1,911			3,796			8,630			252			30,965
Commercial real estate:
Term
Pass			1,687			1,198			2,093			1,278			1,053			1,608			254			175			9,346
Special Mention			48			—			87			—			—			5			—			—			140
Accruing Substandard			298			105			443			144			13			102			27			26			1,158
Nonaccrual			—			—			23			—			—			10			—			26			59
Total term			2,033			1,303			2,646			1,422			1,066			1,725			281			227			10,703
Construction and land development
Pass			361			701			445			4			1			9			680			52			2,253
Special Mention			—			22			21			17			—			—			—			25			85
Accruing Substandard			57			52			249			78			—			—			—			—			436
Nonaccrual			—			—			—			—			—			—			—			—			—
Total construction and land development			418			775			715			99			1			9			680			77			2,774
Total commercial real estate			2,451			2,078			3,361			1,521			1,067			1,734			961			304			13,477

			December 31, 2024
			Term loans																		Revolving loans amortized cost basis			Revolving loans converted to term loans amortized cost basis
			Amortized cost basis by year of origination
(In millions)			2024			2023			2022			2021			2020			Prior									Total
Consumer:
1-4 family residential
Pass			$	1,062		$	870		$	2,959		$	1,877		$	925		$	2,197		$	—		$	—		$	9,890
Special Mention			—			—			—			—			—			—			—			—			—
Accruing Substandard			—			—			—			—			—			—			—			—			—
Nonaccrual			—			3			8			9			2			27			—			—			49
Total 1-4 family residential			1,062			873			2,967			1,886			927			2,224			—			—			9,939
Home equity credit line
Pass			—			—			—			—			—			—			3,506			99			3,605
Special Mention			—			—			—			—			—			—			—			—			—
Accruing Substandard			—			—			—			—			—			—			6			—			6
Nonaccrual			—			—			—			—			—			—			22			8			30
Total home equity credit line			—			—			—			—			—			—			3,534			107			3,641
Construction and other consumer real estate
Pass			157			191			420			34			5			3			—			—			810
Special Mention			—			—			—			—			—			—			—			—			—
Accruing Substandard			—			—			—			—			—			—			—			—			—
Nonaccrual			—			—			—			—			—			—			—			—			—
Total construction and other consumer real estate			157			191			420			34			5			3			—			—			810
Bankcard and other revolving plans
Pass			—			—			—			—			—			—			453			1			454
Special Mention			—			—			—			—			—			—			—			—			—
Accruing Substandard			—			—			—			—			—			—			2			—			2
Nonaccrual			—			—			—			—			—			—			1			—			1
Total bankcard and other revolving plans			—			—			—			—			—			—			456			1			457
Other consumer
Pass			52			35			22			8			2			2			—			—			121
Special Mention			—			—			—			—			—			—			—			—			—
Accruing Substandard			—			—			—			—			—			—			—			—			—
Nonaccrual			—			—			—			—			—			—			—			—			—
Total other consumer			52			35			22			8			2			2			—			—			121
Total consumer			1,271			1,099			3,409			1,928			934			2,229			3,990			108			14,968
Total loans			$	8,437		$	6,729		$	11,321		$	7,007		$	3,912		$	7,759		$	13,581		$	664		$	59,410

The following schedules present gross charge-offs by year of loan origination for the periods presented.

			Three Months Ended September 30, 2025
			Term loans																		Revolving loans gross charge-offs			Revolving loans converted to term loans gross charge-offs
			Gross charge-offs by year of loan origination
(In millions)			2025			2024			2023			2022			2021			Prior									Total
Commercial:
Commercial and industrial			$	—		$	1		$	—		$	1		$	—		$	1		$	55		$	—		$	58
Municipal			—			—			—			—			3			—			—			—			3
Total commercial			—			1			—			1			3			1			55			—			61
Commercial real estate:
Term			—			—			3			—			—			—			—			—			3
Consumer:
Bankcard and other revolving plans			—			—			—			—			—			—			2			—			2
Other			—			—			—			—			—			1			—			—			1
Total consumer			—			—			—			—			—			1			2			—			3
Total gross charge-offs			$	—		$	1		$	3		$	1		$	3		$	2		$	57		$	—		$	67
			Nine Months Ended September 30, 2025
			Term loans																		Revolving loans gross charge-offs			Revolving loans converted to term loans gross charge-offs
			Gross charge-offs by year of loan origination
(In millions)			2025			2024			2023			2022			2021			Prior									Total
Commercial:
Commercial and industrial			$	—		$	2		$	2		$	2		$	3		$	12		$	68		$	—		$	89
Municipal			—			—			—			—			3			—			—			—			3
Leasing			—			—			—			—			—			—			—			—			—
Total commercial			—			2			2			2			6			12			68			—			92
Commercial real estate:
Term			1			—			3			—			—			—			—			—			4
Consumer:
1-4 family residential			—			—			—			—			1			2			—			—			3
Home equity credit line			—			—			—			—			—			—			1			—			1
Bankcard and other revolving plans			—			—			—			—			—			—			6			—			6
Other			—			—			—			—			—			1			—			—			1
Total consumer			—			—			—			—			1			3			7			—			11
Total gross charge-offs			$	1		$	2		$	5		$	2		$	7		$	15		$	75		$	—		$	107

			Three Months Ended September 30, 2024
			Term loans																		Revolving loans gross charge-offs			Revolving loans converted to term loans gross charge-offs
			Gross charge-offs by year of loan origination
(In millions)			2024			2023			2022			2021			2020			Prior									Total
Commercial:
Commercial and industrial			$	—		$	1		$	4		$	—		$	—		$	1		$	4		$	1		$	11
Owner-occupied			—			—			1			—			—			—			—			—			1
Total commercial			—			1			5			—			—			1			4			1			12
Consumer:
Home equity credit line			—			—			—			—			—			—			1			—			1
Bankcard and other revolving plans			—			—			—			—			—			—			2			—			2
Total consumer			—			—			—			—			—			—			3			—			3
Total gross charge-offs			$	—		$	1		$	5		$	—		$	—		$	1		$	7		$	1		$	15
			Nine Months Ended September 30, 2024
			Term loans																		Revolving loans gross charge-offs			Revolving loans converted to term loans gross charge-offs
			Gross charge-offs by year of loan origination
(In millions)			2024			2023			2022			2021			2020			Prior									Total
Commercial:
Commercial and industrial			$	—		$	3		$	8		$	2		$	—		$	4		$	10		$	2		$	29
Owner occupied			—			—			1			—			—			—			—			—			1
Total commercial			—			3			9			2			—			4			10			2			30
Commercial real estate:
Term			—			7			4			—			—			—			—			—			11
Consumer:
1-4 family residential			—			—			—			—			—			1			—			—			1
Home equity credit line			—			—			—			—			—			—			1			—			1
Bankcard and other revolving plans			—			—			—			—			—			—			6			—			6
Other			—			—			—			—			—			1			—			—			1
Total consumer			—			—			—			—			—			2			7			—			9
Total gross charge-offs			$	—		$	10		$	13		$	2		$	—		$	6		$	17		$	2		$	50

Summary of TDRs (Accruing and Nonaccruing) Categorized by Loan Class and Modification Type

The amortized cost of loans to borrowers experiencing financial difficulty that were modified during the period, by loan class and modification type, is summarized in the following schedule:

			Three Months Ended September 30, 2025
			Amortized cost associated with the following modification types:
(Dollar amounts in millions)			Interest rate reduction						Maturity or term extension						Principal forgiveness						Payment deferral												Multiple modification types 1						Total 2						Percentage of total loans 3
Commercial:
Commercial and industrial			$	—					$	58					$	—					$	—											$	—					$	58					0.3		%
Owner-occupied			—						23						—						—												—						23						0.2
Total commercial			—						81						—						—												—						81						0.3
Commercial real estate:
Term			—						128						—						—												—						128						1.2
Construction and land development			—						1						—						—												—						1						—
Total commercial real estate			—						129						—						—												—						129						1.0
Consumer:
1-4 family residential			—						—						2						—												4						6						0.1
Total			$	—					$	210					$	2					$	—											$	4					$	216					0.4

			Nine Months Ended September 30, 2025
			Amortized cost associated with the following modification types:
(Dollar amounts in millions)			Interest rate reduction						Maturity or term extension						Principal forgiveness						Payment deferral						Multiple modification types 1						Total 2						Percentage of total loans 3
Commercial:
Commercial and industrial			$	—					$	106					$	—					$	—					$	—					$	106					0.6		%
Owner-occupied			—						25						—						—						—						25						0.3
Total commercial			—						131						—						—						—						131						0.4
Commercial real estate:
Term			—						322						—						8						7						337						3.1
Construction and land development			—						26						—						—						—						26						1.1
Total commercial real estate			—						348						—						8						7						363						2.7
Consumer:
1-4 family residential			—						—						2						—						7						9						0.1
Home equity credit line			—						—						—						—						1						1						—
Total consumer			—						—						2						—						8						10						0.1
Total			$	—					$	479					$	2					$	8					$	15					$	504					0.8

			Three Months Ended September 30, 2024
			Amortized cost associated with the following modification types:
(Dollar amounts in millions)			Interest rate reduction						Maturity or term extension						Principal forgiveness						Payment deferral												Multiple modification types 1						Total 2						Percentage of total loans 3
Commercial:
Commercial and industrial			$	9					$	11					$	—					$	1											$	13					$	34					0.2		%
Commercial real estate:
Term			—						33						—						—												36						69						0.6
Construction and land development			—						5						—						—												—						5						0.2
Total commercial real estate			—						38						—						—												36						74						0.5
Total			$	9					$	49					$	—					$	1											$	49					$	108					0.2

			Nine Months Ended September 30, 2024
			Amortized cost associated with the following modification types:
(Dollar amounts in millions)			Interest rate reduction						Maturity or term extension						Principal forgiveness						Payment deferral						Multiple modification types 1						Total 2						Percentage of total loans 3
Commercial:
Commercial and industrial			$	9					$	44					$	—					$	2					$	22					$	77					0.5		%
Owner-occupied			—						1						—						—						—						1						—
Municipal			—						3						—						—						—						3						0.1
Total commercial			9						48						—						2						22						81						0.3
Commercial real estate:
Term			—						110						—						—						36						146						1.4
Construction and land development			—						7						—						—						—						7						0.2
Total commercial real estate			—						117						—						—						36						153						1.1
Consumer:
1-4 family residential			—						—						2						—						2						4						—
Home equity credit line			—						—						—						—						1						1						—
Other			—						1						—						—						—						1						0.8
Total consumer			—						1						2						—						3						6						—
Total			$	9					$	166					$	2					$	2					$	61					$	240					0.4

1 Includes modifications that resulted from a combination of interest rate reduction, maturity or term extension, principal forgiveness, and payment deferral modifications.

2 Unfunded lending commitments related to loans modified to borrowers experiencing financial difficulty totaled $29 million and $8 million at September 30, 2025 and September 30, 2024, respectively.

3 Amounts less than 0.05% are rounded to zero.

The financial impact of loan modifications to borrowers experiencing financial difficulty is summarized in the following schedules:

			Three Months Ended September 30, 2025												Nine Months Ended September 30, 2025
			Weighted-average interest rate reduction (in percentage points)						Weighted-average term extension (in months)						Weighted-average interest rate reduction (in percentage points)						Weighted-average term extension (in months)
Commercial:
Commercial and industrial			—		%				8						—		%				10
Owner-occupied			—						3						—						19
Total commercial			—						7						—						11
Commercial real estate:
Term			—						8						0.1						12
Construction and land development			—						3						—						8
Total commercial real estate			—						8						0.1						12
Consumer:1
1-4 family residential			—						11						0.9						7
Home equity credit line			—						0						2.8						43
Total consumer			—						11						2.4						9
Total weighted average financial impact			—						7						0.3						11

			Three Months Ended September 30, 2024												Nine Months Ended September 30, 2024
			Weighted-average interest rate reduction (in percentage points)						Weighted-average term extension (in months)						Weighted-average interest rate reduction (in percentage points)						Weighted-average term extension (in months)
Commercial:
Commercial and industrial			0.3		%				5						0.4		%				7
Owner-occupied			—						0						—						3
Municipal			—						0						—						61
Total commercial			0.3						5						0.4						9
Commercial real estate:
Term			0.2						3						0.2						10
Construction and land development			—						8						—						1
Total commercial real estate			0.2						8						0.2						10
Consumer:1
1-4 family residential			—						0						1.3						78
Home equity credit line			—						0						6.8						44
Other			—						0						—						71
Total consumer			—						0						8.0						67
Total weighted average financial impact			0.3						7						0.4						11

1 Primarily relates to a small number of loans within each consumer loan class.

The following schedule presents the aging of loans to borrowers experiencing financial difficulty that were modified on or after October 1, 2024 through September 30, 2025, presented by portfolio segment and loan class:

			September 30, 2025
(In millions)			Current						30-89 days past due						90+ days past due						Total past due						Total amortized cost of loans
Commercial:
Commercial and industrial			$	104					$	2					$	—					$	2					$	106
Owner-occupied			32						—						1						1						33
Total commercial			136						2						1						3						139
Commercial real estate:
Term			352						18						10						28						380
Construction and land development			26						—						—						—						26
Total commercial real estate			378						18						10						28						406
Consumer:
1-4 family residential			10						1						1						2						12
Home equity credit line			1						1						—						1						2
Total consumer			11						2						1						3						14
Total			$	525					$	22					$	12					$	34					$	559

The following schedule presents the aging of loans to borrowers experiencing financial difficulty that were modified on or after October 1, 2023 through September 30, 2024, presented by portfolio segment and loan class:

			September 30, 2024
(In millions)			Current						30-89 days past due						90+ days past due						Total past due						Total amortized cost of loans
Commercial:
Commercial and industrial			$	76					$	4					$	3					$	7					$	83
Owner-occupied			6						—						—						—						6
Municipal			3						8						—						8						11
Total commercial			85						12						3						15						100
Commercial real estate:
Term			170						—						5						5						175
Construction and land development			24						—						2						2						26
Total commercial real estate			194						—						7						7						201
Consumer:
1-4 family residential			4						—						—						—						4
Home equity credit line			1						—						—						—						1
Other			1						—						—						—						1
Total consumer			6						—						—						—						6
Total			$	285					$	12					$	10					$	22					$	307

Summary of Collateral-Dependent Loans

Select information on loans for which the borrower is experiencing financial difficulties and repayment is expected to be provided substantially through the operation or sale of the underlying collateral, including the type of collateral and the extent to which the collateral secures the loans, is summarized as follows:

			September 30, 2025
(Dollar amounts in millions)			Amortized cost						Major types of collateral						Weighted average LTV 1
Commercial:
Commercial and industrial			$	3					Single family residential						75%
Owner-occupied			11						Industrial building						69%
Municipal			2						Multifamily apartments						97%
Commercial real estate:
Term			61						Office building						98%
Consumer:
1-4 family residential			3						Single family residential						42%
Total			$	80

			December 31, 2024
(Dollar amounts in millions)			Amortized cost						Major types of collateral						Weighted average LTV 1
Commercial:
Owner occupied			$	6					Retail facility						64%
Municipal			5						Multifamily apartments						174%
Commercial real estate:
Term			49						Office building						98%
Consumer:
1-4 family residential			3						Single family residential						38%
Home equity credit line			3						Single family residential						29%
Total			$	66

1 The fair value is based on the most recent appraisal or other collateral evaluation.

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