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INCOME TAXES - Effective Tax Rate Reconciliation (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Amount      
Statutory federal tax rate $ 141    
State and local income taxes, net of federal income tax effect 10    
Tax credits:      
Renewable energy investment tax credits (37)    
LIHTC (21)    
Other tax credits (5)    
Non-taxable or non-deductible items:      
Tax-exempt interest (9)    
Cash surrender value on BOLI (4)    
Tax credit cost amortization, net of tax benefits 20    
FDIC premium disallowance 7    
Other non-taxable or non-deductible items 3    
Other (1)    
Total income taxes $ 104 $ 90 $ 99
Percent      
Statutory federal tax rate 21.00% 21.00% 21.00%
State taxes, net of federal benefit 1.60% 1.50% 1.90%
Tax credits:      
Renewable energy investment tax credits (5.60%)    
LIHTC (3.20%)    
Other tax credits (0.70%)    
Non-taxable or non-deductible items:      
Tax-exempt interest (1.30%) (1.50%) (1.60%)
Cash surrender value on BOLI (0.60%) (0.60%) (0.50%)
Tax credit cost amortization, net of tax benefits 2.90% 3.20% 2.30%
Tax credits   (9.00%) (7.30%)
FDIC premium disallowance 1.10% 1.30% 1.00%
Other non-taxable or non-deductible items 0.40%    
Other items (0.10%) 0.40% 0.10%
Effective tax rate 15.50% 16.30% 16.90%