CONSOLIDATED BALANCE SHEETS - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Assets:
Cash and due from banks	$ 320.0	$ 276.0
Interest bearing deposits in other financial institutions	3,776.0	1,300.0
Cash and cash equivalents	4,096.0	1,576.0
Fair value	13,468.0	11,165.0
Amortized cost	1,510.0	1,421.0
Investment securities - equity	117.0	126.0
Investments in restricted stock, at cost	232.0	281.0
Loans HFS	2,286.0	1,402.0
Loans:
Loans HFI, net of deferred fees and costs	53,676.0	50,297.0
Less: allowance for credit losses	(373.8)	(336.7)
Net loans held for investment	53,302.0	49,960.0
Mortgage servicing rights	1,127.0	1,124.0
Premises and equipment, net	361.0	339.0
Operating lease right of use asset	128.0	145.0
Bank owned life insurance	1,011.0	186.0
Goodwill and intangible assets, net	659.0	669.0
Deferred tax assets, net	281.0	287.0
Investments in LIHTC and renewable energy	606.0	573.0
Other assets	1,750.0	1,608.0
Total assets	80,934.0	70,862.0
Deposits:
Non-interest bearing	18,846.0	14,520.0
Interest bearing	47,495.0	40,813.0
Total deposits	66,341.0	55,333.0
Other borrowings	5,573.0	7,230.0
Qualifying debt	899.0	895.0
Operating lease liability	159.0	179.0
Other liabilities	1,255.0	1,147.0
Total liabilities	74,227.0	64,784.0
Commitments and contingencies
Stockholders’ equity:
Preferred stock (par value $0.0001; 20,000,000 authorized; 30,000 shares (12,000,000 depositary shares) issued and outstanding and liquidation value per depositary share of $25 at December 31, 2024 and 2023)	295.0	295.0
Common stock (par value $0.0001; 200,000,000 authorized; 112,897,807 and 112,169,523 shares issued at December 31, 2024 and 2023, respectively) and additional paid in capital	2,245.0	2,197.0
Treasury stock, at cost (2,845,201 and 2,703,218 shares at December 31, 2024 and 2023, respectively)	(125.0)	(116.0)
Accumulated other comprehensive loss	(534.0)	(513.0)
Retained earnings	4,826.0	4,215.0
Total stockholders’ equity	6,707.5	6,078.4
Total liabilities and stockholders’ equity	$ 80,934.0	$ 70,862.0