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LOANS AND LEASES (Tables)
 12 Months Ended
Dec. 31, 2025
Receivables [Abstract]  
Schedule of Loans by Class
The following table summarizes loans by class:

Loans by Class
dollars in millionsDecember 31, 2025December 31, 2024
Commercial
Commercial and industrial$44,721 $43,559 
Capital call lines31,791 25,501 
Owner occupied commercial mortgage17,660 16,842 
Investor dependent2,778 3,193 
Commercial real estate23,784 23,282 
Total commercial120,734 112,377 
Consumer
Residential mortgage21,861 22,768 
Revolving mortgage2,863 2,567 
Auto1,416 1,523 
Other consumer1,056 986 
Total consumer27,196 27,844 
Total loans and leases$147,930 $140,221 
Schedule of Amortized Cost of Loans
The following table presents selected components of the amortized cost of loans, including the unamortized discount on acquired loans.

Components of Amortized Cost
dollars in millionsDecember 31, 2025December 31, 2024
Deferred fees, including unamortized costs and unearned fees on non-PCD loans$(103)$(91)
Net unamortized discount on acquired loans
Non-PCD$1,281$1,504
PCD4594 
Total net unamortized discount$1,326$1,598
Schedule of Loans and Leases Delinquency Status and Nonaccrual Status
The aging and nonaccrual status of the outstanding loans and leases by class at December 31, 2025 and 2024 are provided in the tables below. Loans and leases less than 30 days past due are considered current, as various grace periods allow borrowers to make payments within a stated period after the due date and remain in compliance with the respective agreement.

Loans and Leases - Delinquency and Nonaccrual Status (1)
dollars in millionsDecember 31, 2025
Accruing Loans
30-59 Days
Past Due		60-89 Days
Past Due		90 Days or
Greater		Total
Past Due		CurrentTotal Accruing
Nonaccrual Loans (2)
Total
Commercial
Commercial and industrial$232 $56 $63 $351 $43,914 $44,265 $456 $44,721 
Capital call lines— — — — 31,791 31,791 — 31,791 
Owner occupied commercial mortgage78 19 1 98 17,403 17,501 159 17,660 
Investor dependent11 1 — 12 2,717 2,729 49 2,778 
Commercial real estate221 31 171 423 22,943 23,366 418 23,784 
Total commercial542 107 235 884 118,768 119,652 1,082 120,734 
Consumer
Residential mortgage168 42 7 217 21,465 21,682 179 21,861 
Revolving mortgage25 4 — 29 2,799 2,828 35 2,863 
Auto15 3 — 18 1,389 1,407 9 1,416 
Other consumer5 3 2 10 1,044 1,054 2 1,056 
Total consumer213 52 9 274 26,697 26,971 225 27,196 
Total loans and leases$755 $159 $244 $1,158 $145,465 $146,623 $1,307 $147,930 
December 31, 2024
Accruing Loans
30-59 Days
Past Due
60-89 Days
Past Due
90 Days or
Greater
Total
Past Due
Current
Total Accruing
Nonaccrual Loans (2)
Total
Commercial
Commercial and industrial$203 $50 $17 $270 $42,869 $43,139 $420 $43,559 
Capital call lines— — — — 25,501 25,501 — 25,501 
Owner occupied commercial mortgage30 9 2 41 16,739 16,780 62 16,842 
Investor dependent11 1 — 12 3,094 3,106 87 3,193 
Commercial real estate65 30 79 174 22,669 22,843 439 23,282 
Total commercial309 90 98 497 110,872 111,369 1,008 112,377 
Consumer
Residential mortgage172 25 7 204 22,421 22,625 143 22,768 
Revolving mortgage20 4 — 24 2,519 2,543 24 2,567 
Auto12 3 — 15 1,500 1,515 8 1,523 
Other consumer5 3 3 11 974 985 1 986 
Total consumer209 35 10 254 27,414 27,668 176 27,844 
Total loans and leases$518 $125 $108 $751 $138,286 $139,037 $1,184 $140,221 
(1)    Accrued interest that was deducted from interest income when the loan was moved to nonaccrual status was approximately $17 million for the year ended December 31, 2025, and approximately $14 million for the year ended December 31, 2024.
(2)    Nonaccrual loans for which there was no related ALLL totaled $415 million at December 31, 2025 and $303 million at December 31, 2024. Refer to Note 1—Significant Accounting Policies and Basis of Presentation for discussion of loans individually evaluated to determine the ALLL.
The following tables present the amortized cost and performance of loans to borrowers experiencing financial difficulties for which the terms of the loan were modified during the referenced periods. The period of delinquency is based on the number of days the scheduled payment is contractually past due.
Modified Loans Payment Status (year ended December 31, 2025)
dollars in millionsCurrent30–59 Days Past Due60–89 Days Past Due90 Days or Greater Past DueTotal
Commercial
Commercial and industrial$551 $15 $1 $30 $597 
Capital call lines— — — — — 
Owner occupied commercial mortgage59 2 3 2 66 
Investor dependent60 17 — — 77 
Commercial real estate246 17 — 80 343 
Total commercial916 51 4 112 1,083 
Consumer
Residential mortgage30 3 6 7 46 
Revolving mortgage6 — — — 6 
Auto— — — — — 
Other consumer— — — — — 
Total consumer36 3 6 7 52 
Total loans and leases
$952 $54 $10 $119 $1,135 
Modified Loans Payment Status (year ended December 31, 2024)
dollars in millionsCurrent30–59 Days Past Due60–89 Days Past Due90 Days or Greater Past DueTotal
Commercial
Commercial and industrial$252 $1 $1 $33 $287 
Capital call lines— — — — — 
Owner occupied commercial mortgage51 2 — — 53 
Investor dependent87 11 — — 98 
Commercial real estate233 6 — — 239 
Total commercial623 20 1 33 677 
Consumer
Residential mortgage8 2 1 3 14 
Revolving mortgage9 — — 1 10 
Auto— — — — — 
Other consumer— — — — — 
Total consumer17 2 1 4 24 
Total loans and leases
$640 $22 $2 $37 $701 
Modified Loans Payment Status (year ended December 31, 2023)
dollars in millionsCurrent30–59 Days Past Due60–89 Days Past Due90 Days or Greater Past DueTotal
Commercial
Commercial and industrial$147 $3 $1 $41 $192 
Capital call lines— — — — — 
Owner occupied commercial mortgage17 — — — 17 
Investor dependent58 1 — 4 63 
Commercial real estate309 — — 1 310 
Total commercial531 4 1 46 582 
Consumer
Residential mortgage12 — 1 1 14 
Revolving mortgage3 — — — 3 
Auto— — — — — 
Other consumer— — — — — 
Total consumer15 — 1 1 17 
Total loans and leases
$546 $4 $2 $47 $599 
Schedule of Loans Disaggregated by Year of Origination and by Risk Rating
The following tables summarize the commercial loans disaggregated by year of origination and by risk rating. The consumer loan delinquency status by year of origination is also presented below. The tables reflect the amortized cost of the loans and include PCD loans.

Commercial Loans - Risk Classifications by Class
December 31, 2025
Risk Classification:Term Loans by Origination YearRevolving Converted to Term Loans
dollars in millions202520242023202220212020 & PriorRevolvingTotal
Commercial and industrial
Pass$13,484 $7,906 $3,552 $2,963 $1,428 $1,539 $10,143 $76 $41,091 
Special Mention213 264 113 97 143 60 181 — 1,071 
Substandard451 296 215 475 347 65 416 5 2,270 
Doubtful18 24 27 35 10 — 32 — 146 
Ungraded— — — — — — 143 — 143 
Total commercial and industrial14,166 8,490 3,907 3,570 1,928 1,664 10,915 81 44,721 
Capital call lines
Pass— — — — — — 31,758 33 31,791 
Total capital call lines— — — — — — 31,758 33 31,791 
Owner occupied commercial mortgage
Pass2,816 2,739 2,177 2,430 2,290 3,954 248 28 16,682 
Special Mention26 34 49 78 24 27 2 — 240 
Substandard41 55 128 179 88 222 8 3 724 
Doubtful— 4 10 — — — — — 14 
Total owner occupied commercial mortgage2,883 2,832 2,364 2,687 2,402 4,203 258 31 17,660 
Investor dependent
Pass981 648 110 67 — — 326 — 2,132 
Special Mention29 78 1 19 — — 19 — 146 
Substandard104 164 117 14 4 — 50 — 453 
Doubtful13 11 16 5 — — 2 — 47 
Total Investor dependent1,127 901 244 105 4 — 397 — 2,778 
Commercial real estate
Pass5,005 4,720 4,512 2,791 1,614 2,631 732 — 22,005 
Special Mention202 19 139 25 2 31 — — 418 
Substandard409 249 221 145 70 193 1 — 1,288 
Doubtful29 3 — 18 1 22 — — 73 
Total commercial real estate5,645 4,991 4,872 2,979 1,687 2,877 733 — 23,784 
Total commercial
Pass22,286 16,013 10,351 8,251 5,332 8,124 43,207 137 113,701 
Special Mention470 395 302 219 169 118 202 — 1,875 
Substandard1,005 764 681 813 509 480 475 8 4,735 
Doubtful60 42 53 58 11 22 34 — 280 
Ungraded— — — — — — 143 — 143 
Total commercial$23,821 $17,214 $11,387 $9,341 $6,021 $8,744 $44,061 $145 $120,734 
Consumer Loans - Delinquency Status by Class
December 31, 2025
Days Past Due:Term Loans by Origination YearRevolving Converted to Term Loans
dollars in millions202520242023202220212020 & PriorRevolvingTotal
Residential mortgage
Current$1,601 $1,609 $2,512 $4,783 $4,715 $6,295 $2 $— $21,517 
30-59 days3 4 12 32 32 94 2 — 179 
60-89 days— 1 3 9 3 38 — — 54 
90 days or greater1 5 6 10 7 82 — — 111 
Total residential mortgage1,605 1,619 2,533 4,834 4,757 6,509 4 — 21,861 
Revolving mortgage
Current— — — — — — 2,686 125 2,811 
30-59 days— — — — — — 20 9 29 
60-89 days— — — — — — — 6 6 
90 days or greater— — — — — — 3 14 17 
Total revolving mortgage— — — — — — 2,709 154 2,863 
Auto
Current504 405 217 157 77 33 — — 1,393 
30-59 days3 4 3 3 2 1 — — 16 
60-89 days— 1 1 1 1 — — — 4 
90 days or greater— 1 1 1 — — — — 3 
Total consumer auto507 411 222 162 80 34 — — 1,416 
Other consumer
Current176 100 65 53 15 6 630 — 1,045 
30-59 days1 1 — — — — 4 — 6 
60-89 days— — — — — — 2 — 2 
90 days or greater1 — — — — — 2 — 3 
Total consumer other178 101 65 53 15 6 638 — 1,056 
Total consumer$2,290 $2,131 $2,820 $5,049 $4,852 $6,549 $3,351 $154 $27,196 
 
The following tables represent current credit quality indicators by origination year as of December 31, 2024:

Commercial Loans - Risk Classifications by Class
December 31, 2024
Risk Classification:Term Loans by Origination YearRevolving Converted to Term Loans
dollars in millions202420232022202120202019 & PriorRevolvingTotal
Commercial and industrial
Pass$13,235 $6,531 $4,814 $2,329 $1,242 $1,394 $9,898 $69 $39,512 
Special Mention157 253 281 302 33 68 203 — 1,297 
Substandard177 371 621 353 205 231 461 4 2,423 
Doubtful6 26 44 17 2 1 97 — 193 
Ungraded— — — — — — 134 — 134 
Total Commercial and industrial13,575 7,181 5,760 3,001 1,482 1,694 10,793 73 43,559 
Capital call lines
Pass— — — — — — 25,467 34 25,501 
Total capital call lines— — — — — — 25,467 34 25,501 
Owner occupied commercial mortgage
Pass2,721 2,445 2,747 2,581 2,199 2,988 223 29 15,933 
Special Mention22 46 70 58 32 61 9 — 298 
Substandard30 34 136 82 73 245 10 1 611 
Total owner occupied commercial mortgage2,773 2,525 2,953 2,721 2,304 3,294 242 30 16,842 
Investor dependent
Pass1,135 640 352 37 — — 315 3 2,482 
Special Mention17 28 6 — — — 26 — 77 
Substandard122 173 164 31 1 — 61 — 552 
Doubtful26 19 28 5 — — 4 — 82 
Total investor dependent1,300 860 550 73 1 — 406 3 3,193 
Commercial real estate
Pass4,336 5,528 4,337 2,569 1,842 2,258 526 3 21,399 
Special Mention— 147 331 49 11 111 — — 649 
Substandard13 27 241 58 143 741 — — 1,223 
Doubtful— 2 — 1 2 6 — — 11 
Total commercial real estate4,349 5,704 4,909 2,677 1,998 3,116 526 3 23,282 
Total commercial
Pass21,427 15,144 12,250 7,516 5,283 6,640 36,429 138 104,827 
Special Mention196 474 688 409 76 240 238 — 2,321 
Substandard342 605 1,162 524 422 1,217 532 5 4,809 
Doubtful32 47 72 23 4 7 101 — 286 
Ungraded— — — — — — 134 — 134 
Total commercial$21,997 $16,270 $14,172 $8,472 $5,785 $8,104 $37,434 $143 $112,377 
Consumer Loans - Delinquency Status by Class
December 31, 2024
Days Past Due:Term Loans by Origination YearRevolving Converted to Term Loans
dollars in millions202420232022202120202019 & PriorRevolvingTotal
Residential mortgage
Current$2,024 $2,824 $5,202 $5,135 $2,910 $4,353 $4 $— $22,452 
30-59 days2 13 18 23 31 95 — — 182 
60-89 days1 2 4 2 1 28 — — 38 
90 days or greater— 2 6 6 9 73 — — 96 
Total residential mortgage2,027 2,841 5,230 5,166 2,951 4,549 4 — 22,768 
Revolving mortgage
Current— — — — — — 2,420 108 2,528 
30-59 days— — — — — — 16 6 22 
60-89 days— — — — — — 1 5 6 
90 days or greater— — — — — — 3 8 11 
Total revolving mortgage— — — — — — 2,440 127 2,567 
Auto
Current617 358 277 155 68 27 — — 1,502 
30-59 days3 3 3 2 1 1 — — 13 
60-89 days1 1 1 1 — — — — 4 
90 days or greater1 1 1 1 — — — — 4 
Total consumer auto622 363 282 159 69 28 — — 1,523 
Other consumer
Current147 144 99 30 6 18 531 — 975 
30-59 days1 — — — — 1 3 — 5 
60-89 days— — 1 — — — 2 — 3 
90 days or greater— — — — — 1 2 — 3 
Total consumer other148 144 100 30 6 20 538 — 986 
Total consumer$2,797 $3,348 $5,612 $5,355 $3,026 $4,597 $2,982 $127 $27,844 
Schedule of Troubled Debt Restructuring
Gross charge-off disclosures by origination year and loan class are summarized in the following tables:

Year Ended December 31, 2025
Term Loans by Origination YearRevolving Converted to Term Loans
dollars in millions202520242023202220212020 & PriorRevolvingTotal
Commercial
Commercial and industrial$33 $36 $66 $57 $12 $7 $240 $2 $453 
Capital call lines— — — — — — — — — 
Owner occupied commercial mortgage— 3 — — 3 1 — — 7 
Investor dependent4 31 31 37 7 6 9 — 125 
Commercial real estate26 41 3 21 — 32 — — 123 
Total commercial63 111 100 115 22 46 249 2 708 
Consumer
Residential mortgage— — — — — 7 — — 7 
Revolving mortgage— — — — — — — — — 
Auto— 2 2 1 — — — — 5 
Other consumer— 2 1 1 — — 17 — 21 
Total consumer— 4 3 2 — 7 17 — 33 
Total loans and leases$63 $115 $103 $117 $22 $53 $266 $2 $741 


Year Ended December 31, 2024
Term Loans by Origination YearRevolving Converted to Term Loans
dollars in millions202420232022202120202019 & PriorRevolvingTotal
Commercial
Commercial and industrial$19 $54 $88 $26 $8 $23 $75 $1 $294 
Capital call lines— — — — — — — — — 
Owner occupied commercial mortgage— — — — — 12 — — 12 
Investor dependent— 55 103 28 3 6 9 — 204 
Commercial real estate— — — — 36 81 — — 117 
Total commercial19 109 191 54 47 122 84 1 627 
Consumer
Residential mortgage— — — — — 1 — — 1 
Revolving mortgage— — — — — — — 1 1 
Auto1 2 2 1 — — — — 6 
Other consumer— 2 1 1 — 1 17 — 22 
Total consumer1 4 3 2 — 2 17 1 30 
Total loans and leases
$20 $113 $194 $56 $47 $124 $101 $2 $657 
The following tables present the amortized cost of loan modifications made to debtors experiencing financial difficulty, disaggregated by class and type of loan modification. The tables also provide financial effects by type of such loan modifications for the respective loan class. Loan modifications for principal forgiveness round to less than $1 million for all loan classes in all periods presented and are not presented in the following tables.


Amortized Cost of Loans Modified during the year ended December 31, 2025
dollars in millions
Term Extension (1)
Payment DelayInterest Rate Reduction
Term Extension (1) and Interest Rate Reduction
Term Extension (1) and Payment Delay
Other Combinations (2)
TotalPercent of Total Loan Class
Commercial
Commercial and industrial$434 $85 $— $19 $27 $32 $597 1.34 %
Owner occupied commercial mortgage15 7 — 18 26 — 66 0.38 
Investor dependent13 53 — — 11 — 77 2.77 
Commercial real estate169 9 16 109 40 — 343 1.44 
Total commercial631 154 16 146 104 32 1,083 0.90 
Consumer
Residential mortgage15 — 1 3 25 2 46 0.21 
Revolving mortgage5 — — 1 — — 6 0.22 
Auto— — — — — — — 0.03 
Other consumer— — — — — — — 0.03 
Total consumer20 — 1 4 25 2 52 0.19 
Total loans and leases
$651 $154 $17 $150 $129 $34 $1,135 0.77 %
(1) Term extensions include modifications which extended the maturity date or amortization period, and modifications that deferred lump-sum principal payments to a later date.
(2) Consists of $26 million of commercial and industrial loans and $2 million of residential mortgage loans modified with a payment delay, and interest rate reduction, as well as $6 million of commercial and industrial loans modified with a term extension, payment delay, and interest rate reduction.

Amortized Cost of Loans Modified during the year ended December 31, 2024
dollars in millions
Term Extension (1)
Payment DelayInterest Rate Reduction
Term Extension (1) and Interest Rate Reduction
Term Extension (1) and Payment Delay
Other Combinations (2)
TotalPercent of Total Loan Class
Commercial
Commercial and industrial$143 $97 $30 $14 $2 $— $286 0.70 %
Owner occupied commercial mortgage37 10 4 1 2 — 54 0.32 
Investor dependent7 64 — — 27 1 99 3.07 
Commercial real estate195 8 — 9 26 — 238 1.04 
Total commercial382 179 34 24 57 1 677 0.60 
Consumer
Residential mortgage10 — 2 2 — — 14 0.06 
Revolving mortgage9 — — 1 — — 10 0.38 
Auto— — — — — — — 0.01 
Other consumer— — — — — — — 0.03 
Total consumer19 — 2 3 — — 24 0.09 
Total loans and leases$401 $179 $36 $27 $57 $1 $701 0.50 %
(1) Term extensions include modifications which extended the maturity date or amortization period, and modifications that deferred lump-sum principal payments to a later date.
(2) Consists of $1 million of investor dependent loans modified with a term extension, interest rate reduction, and payment delay.
Amortized Cost of Loans Modified during the year ended December 31, 2023
dollars in millions
Term Extension (1)
Payment DelayInterest Rate Reduction
Term Extension (1) and Interest Rate Reduction
Term Extension (1) and Payment Delay
Other Combinations (2)
TotalPercent of Total Loan Class
Commercial
Commercial and industrial$178 $2 $— $5 $7 $— $192 0.45 %
Owner occupied commercial mortgage16 — 2 — — — 18 0.11 
Investor dependent11 45 — — — 6 62 1.44 
Commercial real estate262 8 — 40 — — 310 1.54 
Total commercial467 55 2 45 7 6 582 0.55 
Consumer
Residential mortgage8 — — 3 — 3 14 0.06 
Revolving mortgage2 — — 1 — — 3 0.12 
Auto— — — — — — — 0.01 
Other consumer— — — — — — — 0.02 
Total consumer10 — — 4 — 3 17 0.06 
Total loans and leases$477 $55 $2 $49 $7 $9 $599 0.45 %
(1) Term extensions include modifications which extended the maturity date or amortization period, and modifications that deferred lump-sum principal payments to a later date.
(2) Consists of $6 million of Investor dependent loans modified with a term extension, interest rate reduction, and payment delay as well as $3 million of Residential mortgages modified with a payment delay and interest rate reduction.

Financial Effects of Loan Modifications made during the year ended December 31, 2025
Weighted Average Term Extension (in Months)Weighted Average Interest Rate ReductionWeighted Average Payment Delay (in Months)
Commercial
Commercial and industrial13 0.72 %11 
Owner occupied commercial mortgage10 1.88 3 
Investor dependent10 — 7 
Commercial real estate16 0.56 10 
Total commercial14 0.72 9 
Consumer
Residential mortgage16 2.75 6 
Revolving mortgage24 4.20 5 
Auto20 0.31 — 
Other consumer60 9.72 — 
Total consumer17 3.26 6 
Total loans and leases
14 0.81 %9 


Financial Effects of Loan Modifications made during the year ended December 31, 2024
Weighted Average Term Extension (in Months)Weighted Average Interest Rate ReductionWeighted Average Payment Delay (in Months)
Commercial
Commercial and industrial19 0.79 %11 
Owner occupied commercial mortgage30 1.42 7 
Investor dependent11 2.75 8 
Commercial real estate20 0.78 39 
Total commercial20 0.86 13 
Consumer
Residential mortgage71 1.89 11 
Revolving mortgage37 4.27 — 
Auto31 0.53 — 
Other consumer60 9.66 — 
Total consumer56 2.73 11 
Total loans and leases
21 1.00 %13 
Financial Effects of Loan Modifications made during the year ended December 31, 2023
Weighted Average Term Extension (in Months)Weighted Average Interest Rate ReductionWeighted Average Payment Delay (in Months)
Commercial
Commercial and industrial13 2.04 %6 
Owner occupied commercial mortgage17 3.52 — 
Investor dependent9 1.00 5 
Commercial real estate12 3.00 7 
Total commercial12 2.71 6 
Consumer
Residential mortgage79 4.13 6 
Revolving mortgage59 2.81 — 
Auto27 0.69 — 
Other consumer53 9.42 — 
Total consumer74 4.08 6 
Total loans and leases
14 2.89 %6 
Note: The financial effects of loan modifications for certain loan classes reported in the tables above were not reported in the preceding tables as the total amortized cost of loans modified during the period for such loan classes rounded to less than $1 million.
Schedule of Loans Pledged as Collateral
The following table provides information regarding loans pledged as collateral for borrowing capacity through the FHLB of Atlanta, the FRB and FDIC.

Loans Pledged
dollars in millionsDecember 31, 2025December 31, 2024
FHLB of Atlanta
Lendable collateral value of pledged non-PCD loans$19,225 $17,873 
Less: advances— — 
Less: letters of credit1,450 1,450 
Available borrowing capacity$17,775 $16,423 
Pledged non-PCD loans$31,713 $30,421 
FRB
Lendable collateral value of pledged non-PCD loans$12,962 $5,475 
Less: advances— — 
Available borrowing capacity$12,962 $5,475 
Pledged non-PCD loans$13,640 $6,309 
FDIC
Lendable collateral value of pledged loans$35,705 $41,282 
Less: advances— — 
Less: principal amount of the Purchase Money Note33,500 35,991 
Available borrowing capacity (1)
$— $5,291 
Pledged loans (1)
$34,465 $41,040 
(1) As discussed in Note 2—Business Combinations, the draw period for the Advance Facility Agreement ended on March 27, 2025 so there was no available borrowing capacity at December 31, 2025. Loans remain pledged as collateral for the Purchase Money Note.