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INCOME TAXES - Schedule of Income Tax Expense (Details) - USD ($)
$ in Millions
3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Current income taxes:        
Federal taxes $ 29 $ 27 $ 82 $ 74
State taxes 3 2 8 6
Total current income taxes 32 29 90 80
Deferred income taxes:        
Federal taxes 8 1 16 15
State taxes 0 0 1 3
Total deferred income taxes 8 1 17 18
Total income taxes $ 40 $ 30 $ 107 $ 98
Statutory federal tax rate 21.00% 21.00% 21.00% 21.00%
Effective tax rate 21.30% 21.40% 21.20% 21.50%