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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
shares in Thousands, $ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
INTEREST INCOME        
Interest and fees on loans and leases $ 619 $ 589 $ 1,736 $ 1,748
Interest and dividends on investment securities:        
Taxable 89 76 238 230
Exempt from federal income tax 8 7 22 21
Dividends 4 2 10 9
Interest on temporary investments and interest-bearing deposits 20 25 52 71
Total interest income 740 699 2,058 2,079
INTEREST EXPENSE        
Interest on deposits 195 208 552 614
Interest on securities sold under agreement to repurchase and federal funds purchased 1 1 3 4
Interest on borrowings 30 50 101 150
Interest on junior and other subordinated debentures 9 10 26 30
Total interest expense 235 269 682 798
Net interest income 505 430 1,376 1,281
PROVISION FOR CREDIT LOSSES  70 29 127 78
Net interest income after provision for credit losses 435 401 1,249 1,203
NON-INTEREST INCOME        
Residential mortgage banking revenue, net 7 7 24 17
Gain on investment securities, net 2 2 4 1
Equity Securities, FV-NI, Gain (Loss)     4 1
Loss on loan and lease sales, net 0 0 0 (1)
Gain (loss) on certain loans held for investment, at fair value 4 9 11 (3)
Bank-owned life insurance income 6 5 16 14
Other income 13 5 31 23
Total non-interest income 77 66 208 161
NON-INTEREST EXPENSE        
Salaries and employee benefits 171 147 471 447
Occupancy and equipment, net 54 45 149 135
Communications 3 4 10 11
Marketing 4 3 10 7
Services 15 13 42 39
Deposit costs 6 2 10 6
FDIC assessments 8 9 24 33
Intangible amortization 31 29 85 90
Merger and restructuring expense 87 2 109 21
Legal settlement 0 0 55 0
Other expenses 14 17 46 49
Total non-interest expense 393 271 1,011 838
Income before provision for income taxes 119 196 446 526
Provision for income taxes 23 50 111 136
Net income $ 96 $ 146 $ 335 $ 390
Earnings per common share:        
Basic (in dollars per share) $ 0.40 $ 0.70 $ 1.53 $ 1.87
Diluted (in dollars per share) $ 0.40 $ 0.70 $ 1.53 $ 1.87
Weighted average number of common shares outstanding:        
Basic (in shares) 237,838 208,545 218,694 208,435
Diluted (in shares) 238,925 209,454 219,712 209,137
Service charges on deposits        
NON-INTEREST INCOME        
Revenue from contract with customer $ 21 $ 18 $ 60 $ 53
Card-based Fees        
NON-INTEREST INCOME        
Revenue from contract with customer 15 15 42 42
Financial services and trust revenue        
NON-INTEREST INCOME        
Revenue from contract with customer $ 9 $ 5 $ 20 $ 15