Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2025

Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]

Schedule of the Allowance for Loan Losses by Portfolio Segment

The following table provides a rollforward of the ALLL and the reserve for unfunded lending commitments by portfolio type for the three and nine months ended September 30, 2025 and 2024.

ROLLFORWARD OF ALLL & RESERVE FOR UNFUNDED LENDING COMMITMENTS
(Dollars in millions)	Commercial, Financial, and Industrial		Commercial Real Estate		Consumer Real Estate		Credit Card and Other		Total
	Three Months Ended September 30, 2025
Allowance for loan and lease losses:
Balance as July 1, 2025	$	347	$	213	$	233	$	21	$	814
Charge-offs	(25)		(3)		(1)		(6)		(35)
Recoveries	6		—		2		1		9
Provision for loan and lease losses	6		(6)		(15)		4		(11)
Balance as of September 30, 2025	$	334	$	204	$	219	$	20	$	777
Reserve for remaining unfunded commitments:
Balance as July 1, 2025	$	68	$	10	$	9	$	—	$	87
Provision for remaining unfunded commitments	6		—		—		—		6
Balance as of September 30, 2025	74		10		9		—		93
Allowance for credit losses as of September 30, 2025	$	408	$	214	$	228	$	20	$	870
	Three Months Ended September 30, 2024
Allowance for loan and lease losses:
Balance as of July 1, 2024	$	344	$	221	$	231	$	25	$	821
Charge-offs	(12)		(15)		(1)		(5)		(33)
Recoveries	4		1		3		1		9
Provision for loan and lease losses	16		11		(3)		2		26
Balance as of September 30, 2024	$	352	$	218	$	230	$	23	$	823
Reserve for remaining unfunded commitments:
Balance as of July 1, 2024	$	44	$	10	$	12	$	—	$	66
Provision for remaining unfunded commitments	11		(2)		—		—		9
Balance as of September 30, 2024	55		8		12		—		75
Allowance for credit losses as of September 30, 2024	$	407	$	226	$	242	$	23	$	898

(Dollars in millions)	Commercial, Financial, and Industrial		Commercial Real Estate		Consumer Real Estate		Credit Card and Other		Total
	Nine Months Ended September 30, 2025
Allowance for loan and lease losses:
Balance as of January 1, 2025	$	345	$	227	$	221	$	22	$	815
Charge-offs	(86)		(14)		(3)		(16)		(119)
Recoveries	19		3		4		4		30
Provision for loan and lease losses	56		(12)		(3)		10		51
Balance as of September 30, 2025	$	334	$	204	$	219	$	20	$	777
Reserve for remaining unfunded commitments:
Balance as of January 1, 2025	$	57	$	11	$	11	$	—	$	79
Provision for remaining unfunded commitments	17		(1)		(2)		—		14
Balance as of September 30, 2025	74		10		9		—		93
Allowance for credit losses as of September 30, 2025	$	408	$	214	$	228	$	20	$	870
	Nine Months Ended September 30, 2024
Allowance for loan and lease losses:
Balance as of January 1, 2024	$	339	$	172	$	233	$	29	$	773
Charge-offs	(64)		(47)		(2)		(15)		(128)
Recoveries	19		1		6		4		30
Provision for loan and lease losses	58		92		(7)		5		148
Balance as of September 30, 2024	$	352	$	218	$	230	$	23	$	823
Reserve for remaining unfunded commitments:
Balance as of January 1, 2024	$	49	$	22	$	12	$	—	$	83
Provision for remaining unfunded commitments	6		(14)		—		—		(8)
Balance as of September 30, 2024	55		8		12		—		75
Allowance for credit losses as of September 30, 2024	$	407	$	226	$	242	$	23	$	898

Schedule of Gross Charge offs by Year of Origination

The following table presents gross charge-offs by year of origination for the nine months ended September 30, 2025 and 2024.

GROSS CHARGE-OFFS
	Nine Months Ended September 30, 2025
(Dollars in millions)	2025		2024		2023		2022		2021		Prior to 2021		Revolving Loans		Total
C&I	$	2	$	3	$	5	$	13	$	28	$	31	$	4	$	86
CRE	—		—		—		9		—		5		—		14
Consumer Real Estate	—		—		1		1		—		1		—		3
Credit Card and Other	5		—		1		1		2		1		6		16
Total	$	7	$	3	$	7	$	24	$	30	$	38	$	10	$	119

	Nine Months Ended September 30, 2024
(Dollars in millions)	2024		2023		2022		2021		2020		Prior to 2020		Revolving Loans		Total
C&I	$	—	$	13	$	13	$	23	$	1	$	11	$	3	$	64
CRE	—		—		1		—		16		30		—		47
Consumer Real Estate	—		1		—		—		—		1		—		2
Credit Card and Other	6		1		1		—		—		1		6		15
Total	$	6	$	15	$	15	$	23	$	17	$	43	$	9	$	128