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LOAN SERVICING (Tables) - Mortgage Servicing Rights | 12 Months Ended
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Dec. 31, 2025
Servicing Assets at Fair Value [Line Items] |
Schedule of Servicing Asset at Amortized Cost | The unpaid principal balance of mortgage loans serviced for others is listed below: TABLE 7.1
December 31 | 2025 |  | 2024
(in millions) |  |  |
Mortgage loans sold with servicing retained | $ | 7,062 |  |  | $ | 6,429 |
The following table summarizes activity relating to mortgage loans sold with servicing retained: TABLE 7.2
Year Ended December 31 | 2025 |  | 2024 |  | 2023
(in millions) |  |  |  |  |
Mortgage loans sold with servicing retained | $ | 1,382 |  |  | $ | 1,280 |  |  | $ | 980 |
Pre-tax net gains (losses) resulting from above loan sales (1) | 22 |  |  | 21 |  |  | 3 |
Mortgage servicing fees (1) | 17 |  |  | 15 |  |  | 14 |
(1) Recorded in mortgage banking operations on the Consolidated Statements of Income. Following is a summary of activity relating to MSRs: TABLE 7.3
Year Ended December 31 | 2025 |  | 2024 |  | 2023
(in millions) |  |  |  |  |
Balance at beginning of period | $ | 70.5 |  |  | $ | 59.5 |  |  | $ | 52.8 |
Additions | 14.5 |  |  | 16.6 |  |  | 11.3 |
Payoffs and curtailments | (5.2) |  |  | (3.4) |  |  | (2.2) |
Impairment (charge) / recovery | — |  |  | 0.1 |  |  | (0.2) |
Amortization / other | (6.3) |  |  | (2.3) |  |  | (2.2) |
Balance at end of period | $ | 73.5 |  |  | $ | 70.5 |  |  | $ | 59.5 |
Fair value, beginning of period | $ | 86.3 |  |  | $ | 71.8 |  |  | $ | 68.6 |
Fair value, end of period | 88.2 |  |  | 86.3 |  |  | 71.8 |
Schedule of Assumptions for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement | Following is a summary of the sensitivity of the fair value of MSRs to changes in key assumptions: TABLE 7.4
December 31 | 2025 |  | 2024
(dollars in millions) |  |  |
Weighted average life (months) | 89 |  | 96
Constant prepayment rate (annualized) | 8.6 | % |  | 7.6 | %
Discount rate | 10.1 | % |  | 10.3 | %
Effect on fair value due to change in interest rates: |  |  |
+2.00% | $ | 13 |  |  | $ | 6 |
+1.00% | 10 |  |  | 5 |
+0.50% | 7 |  |  | 3 |
+0.25% | 4 |  |  | 2 |
-0.25% | (4) |  |  | (2) |
-0.50% | (8) |  |  | (5) |
-1.00% | (14) |  |  | (11) |
-2.00% | (24) |  |  | (20) |
-3.00% | (42) |  |  | (34) |

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