Condensed Consolidated Statements of (Loss) Income - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
INTEREST INCOME:
Loans and leases	$ 819	$ 1,061	$ 2,519	$ 3,421
Securities and money market investments	282	473	889	1,174
Total interest income	1,101	1,534	3,408	4,595
INTEREST EXPENSE:
Interest-bearing checking and money market accounts	151	218	480	664
Savings accounts	113	110	334	221
Certificates of deposit	255	372	850	1,000
Borrowed funds	157	324	490	1,019
Total interest expense	676	1,024	2,154	2,904
Net interest income	425	510	1,254	1,691
Provision for credit losses	38	242	181	947
Net interest income after provision for credit losses	387	268	1,073	744
NON-INTEREST INCOME:
Fee income	23	42	67	117
Bank-owned life insurance	12	10	32	32
Net gain on investment securities	22	0	22	0
Net return on mortgage servicing rights	0	34	0	74
Net gain on loan sales and securitizations	5	5	24	43
Net loan administration (loss) income	0	(8)	5	3
Bargain purchase gain	0	0	0	(121)
Other	32	30	101	88
Total non-interest income	94	113	251	236
NON-INTEREST EXPENSE:
Compensation and benefits	242	316	723	961
FDIC insurance	37	98	136	239
Occupancy and equipment	47	59	155	163
General and administrative	153	188	433	557
Total operating expense	479	661	1,447	1,920
Intangible asset amortization	26	37	81	105
Merger-related expenses	17	18	39	95
Total non-interest expense	522	716	1,567	2,120
(Loss) before income taxes	(41)	(335)	(243)	(1,140)
Income tax (benefit)	(5)	(55)	(37)	(210)
Net (loss)	(36)	(280)	(206)	(930)
Preferred stock dividends	9	9	25	27
Net (loss) attributable to common stockholders	$ (45)	$ (289)	$ (231)	$ (957)
Basic (loss) per common share (in usd per share)	$ (0.11)	$ (0.79)	$ (0.56)	$ (3.16)
Diluted (loss) per common share (in usd per share)	$ (0.11)	$ (0.79)	$ (0.56)	$ (3.16)