REGULATORY CAPITAL (Tables)

12 Months Ended

Dec. 31, 2024

Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]

Schedule of Compliance with Regulatory Capital Requirements

The following table includes the Basel III requirements for regulatory capital ratios.

	Basel III Minimums		Basel III Conservation Buffers		Basel III Requirements
Regulatory capital ratios
Total risk-based capital	8.00	%	2.50	%	10.50	%
Tier 1 risk-based capital	6.00		2.50		8.50
Common equity Tier 1	4.50		2.50		7.00
Tier 1 leverage	4.00		—		4.00

The regulatory capital ratios for BancShares and FCB exceed the Basel III requirements and the PCA well capitalized thresholds as of December 31, 2024 and 2023 as summarized in the following table.

dollars in millions					December 31, 2024				December 31, 2023
	Basel III Requirements		PCA Well Capitalized Thresholds		Amount		Ratio		Amount		Ratio
BancShares
Total risk-based capital	10.50	%	10.00	%	$	24,610	15.04	%	$	23,891	15.75	%
Tier 1 risk-based capital	8.50		8.00		22,137		13.53		21,150		13.94
Common equity Tier 1	7.00		6.50		21,256		12.99		20,270		13.36
Tier 1 leverage	4.00		5.00		22,137		9.90		21,150		9.83
FCB
Total risk-based capital	10.50	%	10.00	%	$	23,975	14.66	%	$	23,600	15.56	%
Tier 1 risk-based capital	8.50		8.00		21,852		13.37		21,227		13.99
Common equity Tier 1	7.00		6.50		21,852		13.37		21,227		13.99
Tier 1 leverage	4.00		5.00		21,852		9.78		21,227		9.88