Zions Bancorporation, National Association (ZION) 10-K 23 Feb 23 2022 FY Annual report Financial data

Cover

Cover - USD ($)	12 Months Ended
	Dec. 31, 2022	Feb. 06, 2023	Jun. 30, 2022
Document Information [Line Items]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2022
Current Fiscal Year End Date	--12-31
Document Transition Report	false
Entity File Number	001-12307
Entity Registrant Name	ZIONS BANCORPORATION, NATIONAL ASSOCIATION
Entity Incorporation, State or Country Code	X1
Entity Tax Identification Number	87-0189025
Entity Address, Address Line One	One South Main
Entity Address, City or Town	Salt Lake City,
Entity Address, State or Province	UT
Entity Address, Postal Zip Code	84133-1109
City Area Code	801
Local Phone Number	844-7637
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 7,517,099,541
Entity Common Stock, Shares Outstanding		148,649,012
Documents Incorporated by Reference	Documents Incorporated by Reference: Part III: Items 10-14 — Proxy Statement for the 2023 Annual Meeting of Shareholders to be held May 5, 2023.
Amendment Flag	false
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	FY
Entity Central Index Key	0000109380
Common stock
Document Information [Line Items]
Title of 12(b) Security	Common Stock, par value $0.001
Trading Symbol	ZION
Security Exchange Name	NASDAQ
Series A Floating-Rate Non-Cumulative Perpetual Preferred Stock
Document Information [Line Items]
Title of 12(b) Security	Series A Floating-Rate Non-Cumulative Perpetual Preferred Stock
Trading Symbol	ZIONP
Security Exchange Name	NASDAQ
Series G Fixed/Floating-Rate Non-Cumulative Perpetual Preferred Stock
Document Information [Line Items]
Title of 12(b) Security	Series G Fixed/Floating-Rate Non-Cumulative Perpetual Preferred Stock
Trading Symbol	ZIONO
Security Exchange Name	NASDAQ
6.95% Fixed-to-Floating Rate Subordinated Notes due September 15, 2028
Document Information [Line Items]
Title of 12(b) Security	6.95% Fixed-to-Floating Rate Subordinated Notes due September 15, 2028
Trading Symbol	ZIONL
Security Exchange Name	NASDAQ

Audit Information

Audit Information	12 Months Ended
	Dec. 31, 2022
Audit Information [Abstract]
Auditor Name	Ernst & Young LLP
Auditor Location	Salt Lake City, Utah
Auditor Firm ID	42

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks	$ 657	$ 595
Money market investments:
Interest-bearing deposits	1,340	10,283
Federal funds sold and securities purchased under agreements to resell	2,426	2,133
Investment securities:
Total debt securities	11,126	441
Available-for-sale, at fair value	11,915	24,048
Trading account, at fair value	465	372
Total investment securities	23,506	24,861
Loans held for sale	8	83
Loans, net of allowance
Loans and leases, net of unearned income and fees	55,653	50,851
Less allowance for loan and lease losses	575	513
Loans, net of allowance	55,078	50,338
Other noninterest-bearing investments	1,130	851
Premises, equipment and software, net	1,408	1,319
Goodwill and intangibles	1,065	1,015
Other real estate owned	3	8
Other assets	2,924	1,714
Total assets	89,545	93,200
LIABILITIES AND SHAREHOLDERS’ EQUITY
Noninterest-bearing demand	35,777	41,053
Interest-bearing:
Savings and money market	33,566	40,114
Time	2,309	1,622
Total deposits	71,652	82,789
Federal funds and other short-term borrowings	10,417	903
Long-term debt	651	1,012
Reserve for unfunded lending commitments	61	40
Other liabilities	1,871	993
Total liabilities	84,652	85,737
Shareholders’ equity:
Preferred stock, without par value; authorized 4,400 shares	440	440
Common stock ($0.001 par value; authorized 350,000 shares; issued and outstanding 148,664 and 151,625 shares and additional paid-in capital)	1,754	1,928
Retained earnings	5,811	5,175
Accumulated other comprehensive income	(3,112)	(80)
Total shareholders’ equity	4,893	7,463
Total liabilities and shareholders’ equity	$ 89,545	$ 93,200

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021
Investment securities:
Held-to-maturity investment securities	$ 11,239	$ 443
Shareholders’ equity:
Preferred stock, authorized shares (in shares)	4,400,000	4,400,000
Common stock, par value (in dollars per share)	$ 0.001	$ 0.001
Common stock, authorized shares (in shares)	350,000,000	350,000,000
Common stock, issued shares (in shares)	148,664,000	151,625,000
Common stock, outstanding shares (in shares)	148,664,000	151,625,000

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Interest income:
Interest and fees on loans	$ 2,112	$ 1,935	$ 2,050
Interest on money market investments	81	21	14
Interest on securities	512	311	304
Total interest income	2,705	2,267	2,368
Interest expense:
Interest on deposits	70	30	105
Interest on short- and long-term borrowings	115	29	47
Total interest expense	185	59	152
Net interest income	2,520	2,208	2,216
Provision for loan losses	101	(258)	385
Provision for unfunded lending commitments	21	(18)	29
Total provision for credit losses	122	(276)	414
Net interest income after provision for credit losses	2,398	2,484	1,802
Noninterest income:
Commercial account fees	159	137	132
Card fees	104	95	82
Retail and business banking fees	73	74	68
Loan-related fees and income	80	95	109
Capital markets and foreign exchange fees	83	70	70
Wealth management fees	55	50	44
Other customer-related fees	60	54	44
Customer-related noninterest income	614	575	549
Fair value and nonhedge derivative income (loss)	16	14	(6)
Dividends and other income	17	43	24
Securities gains (losses), net	(15)	71	7
Total noninterest income	632	703	574
Noninterest expense:
Salaries and employee benefits	1,235	1,127	1,087
Technology, telecom, and information processing	209	199	192
Occupancy and equipment, net	152	153	151
Professional and legal services	57	72	57
Marketing and business development	39	43	61
Deposit insurance and regulatory expense	50	34	33
Credit-related expense	30	26	22
Other real estate expense, net	1	0	1
Other	105	87	100
Total noninterest expense	1,878	1,741	1,704
Income before income taxes	1,152	1,446	672
Income taxes	245	317	133
Net income	907	1,129	539
Preferred stock dividends	(29)	(29)	(34)
Net earnings applicable to common shareholders	$ 878	$ 1,100	$ 505
Weighted average common shares outstanding during the year:
Basic shares (in shares)	150,064	159,913	163,737
Diluted shares (in shares)	150,271	160,234	165,613
Net earnings per common share:
Basic (in dollars per share)	$ 5.80	$ 6.80	$ 3.06
Diluted (in dollars per share)	$ 5.79	$ 6.79	$ 3.02

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Statement of Comprehensive Income [Abstract]
Net income	$ 907	$ 1,129	$ 539
Other comprehensive income (loss), net of tax:
Net unrealized holding gains (losses) on investment securities	(2,722)	(336)	229
Net unrealized gains (losses) on other noninterest-bearing investments	(2)	3	1
Net unrealized holding gains (losses) on derivative instruments	(330)	(26)	76
Reclassification adjustment for decrease (increase) in interest income recognized in earnings on derivative instruments	21	(46)	(36)
Pension and post-retirement	1	0	12
Other comprehensive income (loss), net of tax	(3,032)	(405)	282
Comprehensive income (loss)	$ (2,125)	$ 724	$ 821

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Millions	Total	Cumulative Effect, Period of Adoption, Adjustment	Preferred stock	Common stock	Accumulated paid-in capital	Retained earnings	Retained earnings Cumulative Effect, Period of Adoption, Adjustment	Accumulated other comprehensive income (loss)
Beginning balance at Dec. 31, 2019	$ 7,353	$ 20	$ 566	$ 0	$ 2,735	$ 4,009	$ 20	$ 43
Beginning balance (in shares) at Dec. 31, 2019				165,057,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	539					539
Other comprehensive income (loss), net of tax	282							282
Bank common stock repurchased (in shares)				(1,686,000)
Bank common stock repurchased	(76)				(76)
Net shares issued from stock warrant exercises (in shares)				1,000
Net activity under employee plans and related tax benefits (in shares)				718,000
Net activity under employee plans and related tax benefits	27				27
Dividends on preferred stock	(34)					(34)
Dividends on common stock	(225)					(225)
Ending balance at Dec. 31, 2020	7,886		566	$ 0	2,686	4,309		325
Ending balance (in shares) at Dec. 31, 2020				164,090,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	1,129					1,129
Other comprehensive income (loss), net of tax	$ (405)							(405)
Bank common stock repurchased (in shares)	(13,500,000)			(13,521,000)
Bank common stock repurchased	$ (800)				(800)
Preferred stock redemption	(126)		(126)		3	(3)
Net activity under employee plans and related tax benefits (in shares)				1,056,000
Net activity under employee plans and related tax benefits	39				39
Dividends on preferred stock	(29)					(29)
Dividends on common stock	(232)					(232)
Change in deferred compensation	1					1
Ending balance at Dec. 31, 2021	$ 7,463		440	$ 0	1,928	5,175		(80)
Ending balance (in shares) at Dec. 31, 2021	151,625,000			151,625,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 907					907
Other comprehensive income (loss), net of tax	$ (3,032)							(3,032)
Bank common stock repurchased (in shares)	(3,600,000)			(3,581,000)
Bank common stock repurchased	$ (202)				(202)
Net activity under employee plans and related tax benefits (in shares)				620,000
Net activity under employee plans and related tax benefits	28				28
Dividends on preferred stock	(29)					(29)
Dividends on common stock	(240)					(240)
Change in deferred compensation	(2)					(2)
Ending balance at Dec. 31, 2022	$ 4,893		$ 440	$ 0	$ 1,754	$ 5,811		$ (3,112)
Ending balance (in shares) at Dec. 31, 2022	148,664,000			148,664,000

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Statement of Stockholders' Equity [Abstract]
Dividends on common stock (in dollars per share)	$ 1.58	$ 1.44	$ 1.36

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 907	$ 1,129	$ 539
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	122	(276)	414
Depreciation and amortization	110	(14)	86
Share-based compensation	30	28	26
Deferred income tax expense (benefit)	(43)	32	(58)
Net increase in trading securities	(93)	(107)	(83)
Net decrease (increase) in loans held for sale	48	14	(10)
Change in other liabilities	892	13	57
Change in other assets	(457)	(78)	(223)
Other, net	(46)	(112)	(29)
Net cash provided by operating activities	1,470	629	719
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease (increase) in money market investments	8,650	(5,577)	(5,611)
Proceeds from maturities and paydowns of investment securities held-to-maturity	445	457	386
Purchases of investment securities held-to-maturity	(399)	(262)	(430)
Proceeds from sales, maturities, and paydowns of investment securities available-for-sale	3,309	4,748	4,339
Purchases of investment securities available-for-sale	(5,829)	(13,647)	(6,151)
Net change in loans and leases	(4,628)	2,814	(4,687)
Purchases and sales of other noninterest-bearing investments	(298)	63	79
Purchases of premises and equipment	(190)	(206)	(171)
Acquisition of Nevada branches, net of cash acquired	318	0	0
Other, net	27	31	42
Net cash provided by (used in) investing activities	1,405	(11,579)	(12,204)
CASH FLOWS FROM FINANCING ACTIVITIES
Net (decrease) increase in deposits	(11,567)	13,136	12,568
Net change in short-term funds borrowed	9,514	(669)	(481)
Cash paid for preferred stock redemption	0	(126)	0
Redemption of long-term debt	(290)	(286)	(429)
Bank common stock repurchased	(202)	(800)	(76)
Proceeds from the issuance of common stock	9	21	8
Dividends paid on common and preferred stock	(269)	(261)	(259)
Other, net	(8)	(13)	(8)
Net cash provided by (used in) financing activities	(2,813)	11,002	11,323
Net increase (decrease) in cash and due from banks	62	52	(162)
Cash and due from banks at beginning of year	595	543	705
Cash and due from banks at end of year	657	595	543
Cash paid for interest	160	81	195
Net cash paid for income taxes	21	442	169
Noncash activities:
Loans held for investment transferred to other real estate owned	0	25	4
Loans held for investment reclassified to loans held for sale, net	114	120	(11)
Investment securities available-for-sale transferred to held-to-maturity, at amortized cost (fair value $10,691)	13,097	0	0
Deposits acquired in purchase of Nevada branches	430	0	0
Loans acquired in purchase of Nevada branches, net	$ 95	$ 0	$ 0

Consolidated Statements of Ca_2

Consolidated Statements of Cash Flows (Parenthetical) (Details) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2022
Statement of Cash Flows [Abstract]
Transfer from available for sale to held-to-maturity, fair value	$ 10,700	$ 10,691

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2022
Accounting Policies [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Business Zions Bancorporation, National Association (“Zions Bancorporation, N.A.,” “the Bank,” “we,” “our,” “us”) is a bank headquartered in Salt Lake City, Utah. We provide a wide range of banking products and related services in 11 Western and Southwestern states through seven separately managed affiliates: Zions Bank in Utah, Idaho, and Wyoming; California Bank & Trust (“CB&T”); Amegy Bank (“Amegy”) in Texas; National Bank of Arizona (“NBAZ”); Nevada State Bank (“NSB”); Vectra Bank Colorado (“Vectra”) in Colorado and New Mexico; and The Commerce Bank of Washington (“TCBW”) which operates under that name in Washington and under The Commerce Bank of Oregon in Oregon. Basis of Financial Statement Presentation and Principles of Consolidation The consolidated financial statements include our accounts and those of our majority-owned, consolidated subsidiaries. Unconsolidated investments where we have the ability to exercise significant influence over the operating and financial policies of the respective investee are accounted for using the equity method of accounting. All intercompany accounts and transactions have been eliminated in consolidation. Assets held in an agency or fiduciary capacity are not included in the consolidated financial statements. The consolidated financial statements have been prepared in accordance with United States (“U.S.”) generally accepted accounting principles (“GAAP”) and prevailing practices within the financial services industry. References to GAAP, including standards promulgated by the Financial Accounting Standards Board (“FASB”), are made according to sections of the Accounting Standards Codification (“ASC”). In preparing the consolidated financial statements, we are required to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates. Prior year amounts have been reclassified to conform with the current year presentation, where applicable. These reclassifications did not affect net income or shareholders’ equity. Effective for the first quarter of 2022, we made certain financial reporting changes and reclassifications to noninterest expense in our Consolidated Statements of Income. These financial reporting changes were made primarily to improve the presentation and disclosure of certain expenses related to our ongoing technology initiatives. Other noninterest expense line items were impacted by these changes and reclassifications. These changes and reclassifications (1) were adopted retrospectively to January 1, 2020, (2) reflect changes only to noninterest expense in the Consolidated Statements of Income, and (3) do not impact net income, net interest income, or noninterest income. Subsequent Events We evaluated events that occurred between December 31, 2022 and the date the accompanying financial statements were issued, and determined that there were no material events that would require adjustments to our consolidated financial statements or significant disclosure in the accompanying Notes. Variable Interest Entities A variable interest entity (“VIE”) is consolidated when we are the primary beneficiary of the VIE. Current accounting guidance requires continuous analysis to determine the primary beneficiary of a VIE. At the commencement of our involvement, and periodically thereafter, we consider our consolidation conclusions for all entities with which we are involved. At December 31, 2022, and 2021, we had no VIEs that have been consolidated in our financial statements. Statement of Cash Flows For purposes of presentation in the consolidated statements of cash flows, “cash and cash equivalents” are defined as those amounts included in cash and due from banks in the consolidated balance sheets. Fair Value Estimates We measure many of our assets and liabilities on a fair value basis. Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. To improve consistency and comparability in fair value measurements, GAAP has established a hierarchy to prioritize the valuation inputs among three levels. We prioritize quoted prices in active markets and minimize reliance on unobservable inputs when possible. When observable market prices are not available, fair value is estimated using modeling techniques requiring professional judgment to estimate the appropriate fair value. These valuation techniques use assumptions that market participants would consider in pricing the asset or the liability. Changes in market conditions may reduce the availability of quoted prices or observable data. See Note 3 for further information regarding the use of fair value estimates. Securities Purchased Under Agreements to Resell Securities purchased under agreements to resell represent overnight and term agreements with the majority maturing within 30 days. These agreements are generally treated as collateralized financing transactions and are carried at amounts at which the securities were acquired plus accrued interest. Either we, or in some instances third parties on our behalf, take possession of the underlying securities. The fair value of such securities is monitored throughout the contract term to ensure that asset values remain sufficient to protect against counterparty default. We are permitted by contract to sell or repledge certain securities that we accept as collateral for securities purchased under agreements to resell. If sold, our obligation to return the collateral is recorded as “securities sold, not yet purchased” and included as a liability in “Federal funds and other short-term borrowings.” At December 31, 2022, and 2021, we held $2.3 billion and $2.0 billion of securities for which we were permitted by contract to sell or repledge, respectively. Securities purchased under agreements to resell averaged $2.4 billion and $2.1 billion during 2022 and 2021, and the maximum amount outstanding at any month-end during those same time periods was $2.7 billion and $3.6 billion, respectively. Investment Securities We classify our investment securities according to their purpose and holding period. Gains or losses on the sale of securities are recognized using the specific identification method and recorded in noninterest income. Held-to-maturity (“HTM”) debt securities are carried at amortized cost with purchase discounts or premiums accreted or amortized into interest income over the contractual life of the security. We have the intent and ability to hold such securities until maturity. For HTM securities, the allowance for credit losses (“ACL”) is assessed consistent with the approach described in Note 6 for loans carried at amortized cost. Available-for-sale (“AFS”) securities are measured at fair value and generally consist of debt securities held for investment. Unrealized gains and losses of AFS securities, after applicable taxes, are recorded as a component of other comprehensive income (“OCI”). AFS securities in an unrealized loss position are formally reviewed on a quarterly basis for the presence of credit impairment. If we have the intent to sell an identified security, or it is more likely than not we will be required to sell the security before recovery of its amortized cost basis, we write the amortized cost down to the security's fair value at the reporting date through earnings. If we have the intent and ability to hold the securities, they are analyzed to determine whether any impairment was attributable to credit-related factors. If a credit impairment is determined to exist, then we measure the amount of credit loss and recognize an allowance for the credit loss. The process, methodology, and factors considered to evaluate securities for impairment are described further in Note 5. Transfers of debt securities into the HTM category from the AFS category are made at fair value at the transfer date. Any unrealized holding gains or losses at the transfer date are retained in other comprehensive income (loss) and in the carrying value of the HTM securities. Such amounts are amortized over the remaining life of the security. Trading securities are measured at fair value and consist of securities generally held for only a short period of time. Realized and unrealized gains and losses are recorded in trading income, which is included in “Capital markets and foreign exchange fees” line item in the income statement. See Note 3 for further information regarding the measurement of our investment securities at fair value. Leases All leases with lease terms greater than twelve months are reported as a lease liability with a corresponding right-of-use (“ROU”) asset. We present ROU assets for operating leases and finance leases on the consolidated balance sheet in “Other assets,” and “Premises, equipment and software, net,” respectively. The corresponding liabilities for those leases are presented in “Other liabilities,” and “Long-term debt.” See Note 8 for further information regarding the accounting for leases. Loans Loans are reported at their amortized cost basis, which includes the principal amount outstanding, net of unamortized purchase premiums, discounts, and deferred loan fees and costs, which are amortized into interest income over the life of the loan using the interest method. At the time of origination, we determine whether loans will be held for investment or held for sale. We may subsequently change our intent for a loan or group of loans and reclassify them accordingly. Loans held for sale are carried at the lower of aggregate cost or fair value. A valuation allowance is recorded when cost exceeds fair value based on reviews at the time of reclassification and periodically thereafter. Gains and losses are recorded in “Loan-related fees and income” in noninterest income based on the difference between sales proceeds and carrying value. We evaluate loans throughout their lives for signs of credit deterioration, which may impact the loan status, risk- grading, and potentially impact the accounting for that loan. Loan status categories include past due as to contractual payments, accruing or nonaccruing, and restructured, including troubled debt restructurings (“TDRs”), which will no longer be designated after the adoption of ASU 2022-02, Financial Instruments--Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures , beginning January 1, 2023 as discussed in Note 2. Our accounting policies for loans and our estimation of the related ACL are described further in Note 6. In the ordinary course of business, we may syndicate portions of loans or transfer portions of loans under participation agreements to manage credit risk and our portfolio concentration. We evaluate the loan participations to determine if they meet the appropriate accounting guidance to qualify as sales. Certain purchased loans require separate accounting procedures that are also described in Note 6. Allowance for Credit Losses The ACL, which consists of the allowance for loan and lease losses (“ALLL”) and the reserve for unfunded lending commitments (“RULC”), represents our estimate of current expected credit losses related to the loan and lease portfolio and unfunded lending commitments as of the balance sheet date. The ACL for debt securities is estimated separately from loans. See Note 6 for further discussion of our estimation process for the ACL. Other Noninterest-bearing Investments These investments include private equity investments (“PEIs”), venture capital securities, securities acquired for various debt and regulatory requirements, bank-owned life insurance (“BOLI”), and certain other noninterest-bearing investments. See further discussion in Note 3. Certain PEIs and venture capital securities are accounted for under the equity method when we are able to exercise significant influence over the operating and financial policies of the investee. Equity investments in PEIs that do not give us significant influence are reported at fair value, unless there is not a readily determinable fair value. We have elected to measure PEIs without readily determinable fair values at cost less impairment (if any), plus or minus observable price changes from an identical or similar investment of the same issuer, referred to as the “measurement alternative.” Periodic reviews are conducted for impairment by comparing carrying values with estimates of fair value. Changes in fair value, impairment losses, and gains and losses from sales are recognized in the “Securities gains and losses, net” line item in noninterest income. BOLI is accounted for at fair value based on the cash surrender values (“CSVs”) of the general account insurance policies. Premises, Equipment, and Software Premises, equipment, and software are reported at cost, net of accumulated depreciation and amortization. Depreciation, computed primarily on the straight-line method, is charged to operations over the estimated useful lives of the properties, generally 25 to 40 years for buildings, three three to 10 years for software, including capitalized costs related to our technology initiatives. Leasehold improvements are amortized over the terms of the respective leases (including any extension options that are reasonably certain to be exercised) or the estimated useful lives of the improvements, whichever is shorter. Premises, equipment, and software are evaluated for impairment on a periodic basis. Goodwill and Intangible Assets Goodwill is recorded at fair value at the time of its acquisition and is subsequently evaluated for impairment annually, or more frequently if conditions warrant. Business Combinations Business combinations are accounted for under the acquisition method of accounting. Upon initially obtaining control, we recognize 100% of all acquired assets and all assumed liabilities, regardless of the percentage owned. The assets and liabilities are recorded at their estimated fair values, with goodwill being recorded when such fair values are less than the cost of acquisition. Certain transaction and restructuring costs are expensed as incurred. Changes to estimated fair values from a business combination are recognized as an adjustment to goodwill over the measurement period, which cannot exceed one year from the acquisition date. Results of operations of acquired businesses are included in our statement of income from the date of acquisition. Other Real Estate Owned Other real estate owned (“OREO”) consists primarily of commercial and residential real estate acquired in partial or total satisfaction of loan obligations. Amounts are recorded initially at fair value (less estimated selling costs) based on recent property appraisals at the time of transfer and subsequently at the lower of cost or fair value (less estimated selling costs). Derivative Instruments We use derivative instruments such as swaps and purchased and sold options as an important tool used in managing our overall asset and liability sensitivities to remain within our stated interest rate risk thresholds. Their use allows us to adjust and align our mix of fixed- and floating-rate assets and liabilities to manage interest income volatility by synthetically converting variable-rate assets to fixed-rate, or synthetically converting fixed-rate funding instruments to floating rates. We also execute both interest rate and short-term foreign currency derivative instruments with our commercial banking customers to facilitate their risk management objectives. These derivatives are hedged by entering into offsetting derivatives with third parties such that we minimize our net risk exposure as a result of such transactions. We record all derivatives at fair value, and they are included on the consolidated balance sheet in “Other assets” or “Other liabilities.” The accounting for the change in value of a derivative depends on whether or not the transaction has been designated and qualifies for hedge accounting. Derivatives that are not designated as hedges are reported and measured at fair value through earnings. See Note 7 for more information. Derivatives Designated in Qualifying Hedging Relationships We apply hedge accounting to certain derivatives executed for risk management purposes, primarily interest rate risk. To qualify for hedge accounting, a derivative must be highly effective at reducing the risk associated with the exposure being hedged and the hedging relationship must be formally documented. We primarily use regression analysis to assess the effectiveness of each hedging relationship, unless the hedge qualifies for other methods of assessing effectiveness (e.g., shortcut or critical terms match), both at inception and on an ongoing basis. We designate derivatives as fair value and cash flow hedges for accounting purposes. See Note 7 for more information regarding the accounting for derivatives designated as hedging instruments. Commitments and Letters of Credit In the ordinary course of business, we enter into loan commitments, commercial letters of credit, and standby letters of credit. Such financial instruments are recorded in the financial statements when they are funded. The credit risk associated with these commitments is evaluated in a manner similar to the ALLL. The RULC is presented separately on the consolidated balance sheet in “Other liabilities.” Revenue Recognition Revenue from contracts with customers is recognized when control of the promised goods or services is transferred to our customers, in an amount that reflects the consideration we expect to be entitled to in exchange for those goods or services. See Note 17 for further information regarding how we recognize revenue for contracts with customers. Share-based Compensation Share-based compensation generally includes grants of stock options, restricted stock, restricted stock units (“RSUs”), and other awards to employees and nonemployee directors. We recognize compensation expense in the statement of income based on the grant-date value of the associated share-based awards. See further discussion in Note 19. Income Taxes Deferred tax assets (“DTAs”) and deferred tax liabilities (“DTLs”) are determined based on temporary differences between financial statement asset and liability amounts and their respective tax basis, and are measured using enacted tax laws and rates. The effect of a change in tax rates on DTAs and DTLs is recognized into income in the period that includes the enactment date. DTAs are recognized insofar that management deems it more likely than not that they will be realized. Unrecognized tax benefits for uncertain tax positions primarily relate to tax credits on technology initiatives. See Note 20 for more information about the factors that impacted our effective tax rate, significant components of our DTAs and DTLs, including our assessment regarding valuation allowances and unrecognized tax benefits for uncertain tax positions. Net Earnings Per Common Share Net earnings per common share is based on net earnings applicable to common shareholders, which is net of preferred stock dividends. Basic net earnings per common share is based on the weighted average outstanding common shares during each year. Unvested share-based awards with rights to receive nonforfeitable dividends are considered participating securities and are included in the computation of basic earnings per share. Diluted net earnings per common share is based on the weighted average outstanding common shares during each year, including common stock equivalents. Stock options, restricted stock, RSUs, and stock warrants are converted to common stock equivalents using the more dilutive of the treasury stock method or the two-class method. Diluted net earnings per common share excludes common stock equivalents whose effect is antidilutive. See further discussion in Note 21.

Recent Accounting Pronouncement

Recent Accounting Pronouncements	12 Months Ended
	Dec. 31, 2022
Accounting Policies [Abstract]
RECENT ACCOUNTING PRONOUNCEMENTS	RECENT ACCOUNTING PRONOUNCEMENTS Standard Description Date of adoption Effect on the financial statements or other significant matters Standards not yet adopted by the Bank as of December 31, 2022 ASU 2022-02, Financial Instruments—Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures This accounting standards update (“ASU”) eliminates the recognition and measurement guidance on troubled debt restructurings for creditors that have adopted ASC 326 (“CECL”), and eliminates certain existing TDR disclosures while requiring enhanced disclosures about loan modifications for borrowers experiencing financial difficulty. The new standard also requires public companies to present gross write-offs (on a year-to-date basis for interim-period disclosures) by year of origination in their vintage disclosures. The new standard is effective for calendar year-end public companies beginning January 1, 2023, with early adoption permitted. Periods beginning after December 15, 2022 We have implemented processes to capture necessary data in order to comply with the new disclosure requirements. The overall effect of this standard is not expected to have a material impact on our financial statements. We adopted the guidance in the new standard on January 1, 2023. ASU 2022-03, Fair Value Measurement (Topic 820): Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions This ASU clarifies that contractual restrictions prohibiting the sale of an equity security are not considered part of the unit of account of the equity security, and therefore, are not considered in measuring fair value. The amendments clarify that an entity cannot recognize and measure a contractual sale restriction as a separate unit of account. The amendments in this ASU also require additional qualitative and quantitative disclosures for equity securities subject to contractual sale restrictions. The new standard is effective for calendar year-end public companies beginning January 1, 2024, with early adoption permitted. Periods beginning after December 15, 2023 The requirements of this ASU are consistent with our current treatment of equity securities subject to contractual sale restrictions and are not expected to impact the fair value measurements of these securities. We are evaluating supplementary disclosure requirements and additional data needed to meet these requirements. The overall effect of this standard is not expected to have a material impact on our financial statements. We do not plan to early adopt this new standard. Standard Description Date of adoption Effect on the financial statements or other significant matters Standards adopted by the Bank in 2022 ASU 2022-06, Reference Rate Reform (Topic 848): Deferral of The Sunset Date of Topic 848 As part of reference rate reform, the London Interbank Offered Rate (“LIBOR”) is expected to be discontinued and be replaced by observable or transaction-based alternative reference rates. ASC 848, Reference Rate Reform , provided temporary optional expedients and exceptions that: (1) modify the accounting requirements for contract modifications for contracts that reference LIBOR, (2) provide for a one-time election to sell or transfer to AFS or trading certain qualifying HTM debt securities, and (3) provide various optional expedients for hedging relationships affected by reference rate reform. These practical expedients were originally set to expire on December 31, 2022. In March 2021, the Financial Conduct Authority (“FCA”) extended the cessation date of most common tenors of United States Dollar (“USD”) LIBOR to June 30, 2023, beyond the original sunset date of ASC 848. ASU 2022-06 extends the original sunset date of the practical expedients detailed in ASC 848 to December 31, 2024. December 31, 2022 We adopted ASC 848 on April 1, 2020. As of December 31, 2022, we had transitioned a significant portion of our legacy LIBOR-based contracts to alternative reference rates. The extension of the sunset date in ASC 848 will facilitate the transition of the remaining contracts away from LIBOR, but is not expected to have a material impact on the Bank. The amendments in ASU 2022-06 became effective upon issuance of the Update.

Fair Value

Fair Value	12 Months Ended
	Dec. 31, 2022
Fair Value Disclosures [Abstract]
FAIR VALUE	FAIR VALUE Fair Value Measurement Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. To measure fair value, a hierarchy has been established that requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs. This hierarchy uses the following three levels of inputs to measure the fair value of assets and liabilities: Level 1 — Quoted prices in active markets for identical assets or liabilities that we have the ability to access; Level 2 — Observable inputs other than Level 1, including quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in less active markets, observable inputs other than quoted prices that are used in the valuation of an asset or liability, and inputs that are derived principally from or corroborated by observable market data by correlation or other means; and Level 3 — Unobservable inputs supported by little or no market activity for financial instruments whose value is determined by pricing models, discounted cash flow methodologies or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. The level in the fair value hierarchy within which the fair value measurement is classified is determined based on the lowest level input that is significant to the fair value measurement in its entirety. Market activity is presumed to be orderly in the absence of evidence of forced or disorderly sales. Applicable accounting guidance precludes the use of blockage factors or liquidity adjustments due to the quantity of securities held by an entity. We measure certain assets and liabilities at fair value on a recurring basis when fair value is the primary measure for accounting. Fair value is used on a nonrecurring basis to measure certain assets, such as the application of lower of cost or fair value accounting and the recognition of impairment on assets. Fair value is also used when providing required disclosures for certain financial instruments. Fair Value Policies and Procedures We have various policies, processes, and controls in place to ensure that fair values are reasonably developed, reviewed, and approved for use. These include a Securities Valuation Committee, comprised of executive management, that reviews and approves on a quarterly basis the key components of fair value measurements, including critical valuation assumptions for Level 3 measurements. Our Model Risk Management Group conducts model validations, including internal models, and sets policies and procedures for revalidation, including the timing of revalidation. Third-party Service Providers We use a third-party pricing service to measure fair value for substantially all of our Level 2 AFS securities. Fair value measurements for other Level 2 AFS securities generally use inputs corroborated by market data and include standard discounted cash flow analysis. For Level 2 securities, the third-party pricing service provides documentation on an ongoing basis that presents market data, including detailed pricing information and market reference data. The documentation includes benchmark yields, reported trades, broker-dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, and reference data, including information from the vendor trading platform. We review, test, and validate this information on a regular basis. The following describes the hierarchy designations, valuation methodologies and key inputs to measure fair value on a recurring basis for designated financial instruments: Available-for-Sale • U.S. Treasury, Agencies and Corporations — U.S. Treasury securities measured using quoted market prices are classified in Level 1. U.S. agency and corporate securities measured using observable market inputs are classified in Level 2. • Municipal Securities — Municipal securities are measured using observable market inputs and are classified in Level 2. • Other Debt Securities — Other debt securities are measured using quoted prices for similar securities and are classified in Level 2. Trading Trading securities are measured using observable market inputs and are classified in Level 1 and Level 2. Bank-owned Life Insurance BOLI is measured according to the cash surrender value (“CSV”) of the insurance policies. Nearly all policies are general account policies with CSVs based on our claims on the assets of the insurance companies. The insurance companies’ investments include predominantly fixed-income securities consisting of investment-grade corporate bonds and various types of mortgage instruments. Management regularly reviews its BOLI investment performance, including concentrations among insurance providers and classifies BOLI balances in Level 2. Private Equity Investments PEIs carried at fair value on a recurring basis are generally classified in Level 3 because related measurements include unobservable inputs. Key assumptions and considerations include current and projected financial performance, recent financing activities, economic and market conditions, market comparable companies, market liquidity, and other factors. The majority of these PEIs are held in our Small Business Investment Company (“SBIC”) and are early-stage venture investments. These investments are reviewed at least quarterly by the Securities Valuation Committee and whenever a new round of financing occurs. Certain of these investments may be measured using multiples of operating performance. The Equity Investments Committee reviews periodic financial information for these investments, including audited financial statements when available. On occasion, PEIs may become publicly traded and are measured in Level 1. Certain restrictions apply for the redemption of these investments. See additional discussions in Note 5. Agriculture Loan Servicing We service agriculture loans approved and funded by Federal Agricultural Mortgage Corporation (“FAMC”), and provide this servicing under an agreement with FAMC for the loans it owns. The servicing assets are measured at fair value, which represents our projection of the present value of future cash flows. Because related measurements include unobservable inputs, these assets are classified in Level 3. Interest-only Strips Interest-only strips are created as a by-product of securitizing U.S. Small Business Administration (“SBA”) loan pools. When the guaranteed portions of SBA 7(a) loans are pooled, interest-only strips may be created in the pooling process. The asset’s fair value is measured using discounted cash flow methodologies that incorporate unobservable inputs, and therefore are classified in Level 3. Deferred Compensation Plan Assets Invested assets in the deferred compensation plan consist of shares of registered investment companies. These mutual funds are valued using quoted market prices, which represents the net asset value (“NAV”) of shares held by the plan at the end of the period. As such, these assets are classified in Level 1. Derivatives Exchange-traded derivatives, including foreign currency exchange contracts, are generally classified in Level 1 because they are traded in active markets. Over-the-counter derivatives, consisting primarily of interest rate swaps and options, are generally classified in Level 2 as the related fair values are obtained from third-party services that utilize observable market inputs. Observable market inputs include yield curves, foreign exchange rates, commodity prices, option volatility, counterparty credit risk, and other related data. Valuations include credit valuation adjustments (“CVAs”) to reflect nonperformance risk for both us and our counterparties. CVAs are determined generally by applying a credit spread to the total expected exposure (net of any collateral) of the derivative. Securities Sold, Not Yet Purchased Securities sold, not yet purchased, included in “Federal funds and other short-term borrowings” on the consolidated balance sheet, are measured using quoted market prices and are generally classified in Level 1. If market prices for identical securities are not available, quoted prices for similar securities are used with the related balances classified in Level 2. Quantitative Disclosure by Fair Value Hierarchy Assets and liabilities measured at fair value by class on a recurring basis are summarized as follows: (In millions) December 31, 2022 Level 1 Level 2 Level 3 Total ASSETS Investment securities: Available-for-sale: U.S. Treasury, agencies and corporations $ 393 $ 9,815 $ — $ 10,208 Municipal securities 1,634 1,634 Other debt securities 73 73 Total Available-for-sale 393 11,522 — 11,915 Trading account 395 70 465 Other noninterest-bearing investments: Bank-owned life insurance 546 546 Private equity investments 1 4 81 85 Other assets: Agriculture loan servicing and interest-only strips 14 14 Deferred compensation plan assets 114 114 Derivatives 386 386 Total Assets $ 906 $ 12,524 $ 95 $ 13,525 LIABILITIES Securities sold, not yet purchased $ 187 $ — $ — $ 187 Other liabilities: Derivatives 451 451 Total Liabilities $ 187 $ 451 $ — $ 638 1 The level 1 PEIs relate to the portion of our SBIC investments that are now publicly traded. (In millions) December 31, 2021 Level 1 Level 2 Level 3 Total ASSETS Investment securities: Available-for-sale: U.S. Treasury, agencies and corporations $ 134 $ 22,144 $ — $ 22,278 Municipal securities 1,694 1,694 Other debt securities 76 76 Total Available-for-sale 134 23,914 — 24,048 Trading account 14 358 372 Other noninterest-bearing investments: Bank-owned life insurance 537 537 Private equity investments 35 66 101 Other assets: Agriculture loan servicing and interest-only strips 12 12 Deferred compensation plan assets 138 138 Derivatives 219 219 Total Assets $ 321 $ 25,028 $ 78 $ 25,427 LIABILITIES Securities sold, not yet purchased $ 254 $ — $ — $ 254 Other liabilities: Derivatives 51 51 Total Liabilities $ 254 $ 51 $ — $ 305 Rollforward of Level 3 Fair Value Measurements The following schedule presents a rollforward of assets and liabilities that are measured at fair value on a recurring basis using Level 3 inputs: Level 3 Instruments December 31, 2022 December 31, 2021 (In millions) Private Ag loan servicing & interest-only strips Private Ag loan servicing & interest-only strips Balance at beginning of year $ 66 $ 12 $ 80 $ 16 Unrealized securities gains (losses), net 3 — 71 — Other noninterest income (expense) — 2 — (3) Purchases 16 — 17 — Cost of investments sold (3) — (24) — Redemptions and paydowns — — — (1) Transfers out 1 (1) — (78) — Balance at end of year $ 81 $ 14 $ 66 $ 12 1 Represents the transfer of SBIC investments out of Level 3 and into Level 1 because they are now publicly traded. The rollforward of Level 3 instruments includes the following realized gains and losses recognized in securities gains (losses) (In millions) Year Ended 2022 2021 Securities gains (losses), net $ (2) $ 31 Nonrecurring Fair Value Measurements Certain assets and liabilities may be recorded at fair value on a nonrecurring basis, including impaired loans that have been measured based on the fair value of the underlying collateral, OREO, and equity investments without readily determinable fair values. Nonrecurring fair value adjustments generally include changes in value resulting from observable price changes for equity investments without readily determinable fair values, write-downs of individual assets, or the application of lower of cost or fair value accounting. At December 31, 2022, we had an insignificant amount of assets or liabilities that had fair value changes measured on a nonrecurring basis. Loans that are collateral dependent were measured at the lower of amortized cost or the fair value of the collateral. OREO was measured initially at fair value based on collateral appraisals at the time of transfer and subsequently at the lower of cost or fair value (less any selling costs). Measurement of fair value for collateral-dependent loans and OREO was based on third-party appraisals that utilize one or more valuation techniques (income, market and/or cost approaches). Any adjustments to calculated fair value were made based on recently completed and validated third-party appraisals, third-party appraisal services, automated valuation services, or our informed judgment. Automated valuation services may be used primarily for residential properties when values from any of the previous methods were not available within 90 days of the balance sheet date. These services use models based on market, economic, and demographic values. Fair Value of Certain Financial Instruments The following schedule presents the carrying values and estimated fair values of certain financial instruments: December 31, 2022 December 31, 2021 (In millions) Carrying Fair value Level Carrying Fair value Level Financial assets: Held-to-maturity investment securities $ 11,126 $ 11,239 2 $ 441 $ 443 2 Loans and leases (including loans held for sale), net of allowance 55,086 53,093 3 50,421 50,619 3 Financial liabilities: Time deposits 2,309 2,269 2 1,622 1,624 2 Long-term debt 651 635 2 1,012 1,034 2 The schedule above does not include certain financial instruments that are recorded at fair value on a recurring basis, as well as certain financial assets and liabilities for which the carrying value approximates fair value, such as cash and due from banks; money market investments; demand, savings, and money market deposits; federal funds purchased and other short-term borrowings; and security repurchase agreements. The estimated fair value of demand, savings and money market deposits is the amount payable on demand at the reporting date. Carrying value is used because the accounts have no stated maturity, and the customer has the ability to withdraw funds immediately. Time and foreign deposits are measured at fair value by discounting future cash flows using the applicable yield curve to the given maturity dates. Long-term debt is measured at fair value based on actual market trades (i.e., an asset value) when available, or discounting cash flows to maturity using the applicable yield curve adjusted for credit spreads. For loans measured at amortized cost, fair value is estimated for disclosure purposes by discounting future cash flows using the applicable yield curve adjusted by a factor that is derived from analyzing recent loan originations and combined with a liquidity premium inherent in the loan. These future cash flows are then reduced by the estimated life-of-the-loan aggregate credit losses in the loan portfolio (i.e., the allowance for loan and lease losses under the CECL model). The methods used to measure fair value for HTM securities was previously described. These fair value disclosures represent our best estimates based on relevant market information. Fair value estimates are based on judgments regarding current economic conditions, future expected loss experience, risk characteristics of the various instruments, and other factors. These estimates are subjective in nature, involve uncertainties and matters of significant judgment, and cannot be determined with precision. Changes in these methodologies and assumptions would significantly affect the estimates.

Offsetting Assets and Liabiliti

Offsetting Assets and Liabilities	12 Months Ended
	Dec. 31, 2022
Offsetting [Abstract]
OFFSETTING ASSETS AND LIABILITIES	OFFSETTING ASSETS AND LIABILITIES Gross and net information for selected financial instruments in the balance sheet is as follows: December 31, 2022 (In millions) Gross amounts not offset in the balance sheet Description Gross amounts recognized Gross amounts offset in the balance sheet Net amounts presented in the balance sheet Financial instruments Cash collateral received/pledged Net amount Assets: Federal funds sold and securities purchased under agreements to resell $ 2,451 $ (25) $ 2,426 $ — $ — $ 2,426 Derivatives (included in Other assets 386 — 386 (10) (367) 9 Total assets $ 2,837 $ (25) $ 2,812 $ (10) $ (367) $ 2,435 Liabilities: Federal funds and other short-term borrowings $ 10,442 $ (25) $ 10,417 $ — $ — $ 10,417 Derivatives (included in Other liabilities 451 — 451 (10) — 441 Total liabilities $ 10,893 $ (25) $ 10,868 $ (10) $ — $ 10,858 December 31, 2021 (In millions) Gross amounts not offset in the balance sheet Description Gross amounts recognized Gross amounts offset in the balance sheet Net amounts presented in the balance sheet Financial instruments Cash collateral received/pledged Net amount Assets: Federal funds sold and securities purchased under agreements to resell $ 2,133 $ — $ 2,133 $ — $ — $ 2,133 Derivatives (included in Other assets 219 — 219 (16) (7) 196 Total assets $ 2,352 $ — $ 2,352 $ (16) $ (7) $ 2,329 Liabilities: Federal funds and other short-term borrowings $ 903 $ — $ 903 $ — $ — $ 903 Derivatives (included in Other liabilities 51 — 51 (16) (1) 34 Total liabilities $ 954 $ — $ 954 $ (16) $ (1) $ 937 Security repurchase and reverse repurchase agreements are offset, when applicable, in the balance sheet according to master netting agreements. Security repurchase agreements are included with “Federal funds and other short-term borrowings.” Derivative instruments may be offset under their master netting agreements; however, for accounting purposes, we present these items on a gross basis in our balance sheet. See Note 7 for further information regarding derivative instruments.

Investments

Investments	12 Months Ended
	Dec. 31, 2022
Investments [Abstract]
INVESTMENTS	INVESTMENTS Investment Securities Investment securities are classified as HTM, AFS, or trading. HTM securities, which management has the intent and ability to hold until maturity, are carried at amortized cost. The amortized cost amounts represent the original cost of the investments, adjusted for related amortization or accretion of any purchase premiums or discounts, and for any impairment losses, including credit-related impairment. When a security is transferred from AFS to HTM, the difference between its amortized cost basis and fair value at the date of transfer is amortized as a yield adjustment through interest income, and the fair value at the date of transfer, adjusted for subsequent amortization, becomes the security’s amortized cost basis. The amortization of the unrealized losses reported in accumulated other comprehensive income (“AOCI”) will offset the effect of the accretion of the discount in interest income that is created by adjusting the amortized cost basis to the securities’ fair value on the date of the transfer. AFS securities are carried at fair value, and changes in fair value (unrealized gains and losses) are reported as net increases or decreases to AOCI, net of related taxes. Trading securities are carried at fair value with gains and losses recognized in current period earnings. The carrying values of our securities do not include accrued interest receivables of $75 million and $65 million at December 31, 2022, and 2021, respectively. These receivables are presented on the consolidated balance sheet in “Other assets.” The purchase premiums for callable debt securities classified as HTM or AFS are amortized into interest income at an effective yield to the earliest call date. The purchase premiums and discounts for all other HTM and AFS securities are recognized in interest income over the contractual life of the security using the effective yield method. As principal prepayments are received on securities, a proportionate amount of the related premium or discount is recognized in income so that the effective yield on the remaining portion of the security continues unchanged. See Note 3 for more information about the process to estimate fair value for investment securities. December 31, 2022 (In millions) Amortized Gross Gross Estimated Held-to-maturity U.S. Government agencies and corporations: Agency securities $ 100 $ — $ 7 $ 93 Agency guaranteed mortgage-backed securities 1 10,621 165 14 10,772 Municipal securities 405 — 31 374 Total held-to-maturity 11,126 165 52 11,239 Available-for-sale U.S. Treasury securities 557 — 164 393 U.S. Government agencies and corporations: Agency securities 782 — 46 736 Agency guaranteed mortgage-backed securities 9,652 — 1,285 8,367 Small Business Administration loan-backed securities 740 1 29 712 Municipal securities 1,732 1 99 1,634 Other debt securities 75 — 2 73 Total available-for-sale 13,538 2 1,625 11,915 Total HTM and AFS investment securities $ 24,664 $ 167 $ 1,677 $ 23,154 1 During the fourth quarter of 2022, we transferred approximately $10.7 billion fair value ($13.1 billion amortized cost) of mortgage-backed AFS securities to the HTM category to reflect our intent for these securities. The amortized cost basis of these securities does not include $2.4 billion of unrealized losses in AOCI that is amortized over the life of the securities. The amortization of the unrealized losses reported in AOCI will offset the effect of the accretion of the discount in interest income that is created by adjusting the amortized cost basis to the securities ’ fair value on the date of the transfer. December 31, 2021 (In millions) Amortized Gross Gross Estimated Held-to-maturity Municipal securities $ 441 $ 4 $ 2 $ 443 Available-for-sale U.S. Treasury securities 155 — 21 134 U.S. Government agencies and corporations: Agency securities 833 13 1 845 Agency guaranteed mortgage-backed securities 20,549 108 270 20,387 Small Business Administration loan-backed securities 938 2 28 912 Municipal securities 1,652 46 4 1,694 Other debt securities 75 1 — 76 Total available-for-sale 24,202 170 324 24,048 Total HTM and AFS investment securities $ 24,643 $ 174 $ 326 $ 24,491 Maturities The following schedule shows the amortized cost and weighted average yields of debt securities by contractual maturity of principal payments at December 31, 2022. Actual principal payments may differ from contractual or expected principal payments because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. December 31, 2022 Total debt securities Due in one year or less Due after one year through five years Due after five years through 10 years Due after 10 years (Dollar amounts in millions) Amortized cost Average yield Amortized cost Average yield Amortized cost Average yield Amortized cost Average yield Amortized cost Average yield Held-to-maturity U.S. Government agencies and corporations: Agency securities $ 100 3.50 % $ — — % $ — — % $ — — % $ 100 3.50 % Agency guaranteed mortgage-backed securities 10,621 1.84 — — — — 49 2.02 10,572 1.84 Municipal securities 1 405 3.05 33 3.32 130 3.13 183 3.09 59 2.61 Total held-to-maturity securities 11,126 1.90 33 3.32 130 3.13 232 2.86 10,731 1.86 Available-for-sale U.S. Treasury securities 557 2.05 — — — — — — 557 2.05 U.S. Government agencies and corporations: Agency securities 782 2.61 — — 345 2.40 230 2.49 207 3.10 Agency guaranteed mortgage-backed securities 9,652 1.92 25 4.27 305 1.53 1,625 2.03 7,697 1.91 Small Business Administration loan-backed securities 740 3.83 — — 43 4.22 154 3.66 543 3.84 Municipal securities 1 1,732 2.24 112 2.29 643 2.73 706 1.90 271 1.94 Other debt securities 75 5.39 — — 50 4.25 10 9.52 15 6.44 Total available-for-sale securities 13,538 2.13 137 2.65 1,386 2.48 2,725 2.15 9,290 2.06 Total HTM and AFS investment securities $ 24,664 2.16 % $ 170 2.78 % $ 1,516 2.54 % $ 2,957 2.21 % $ 20,021 2.06 % 1 The yields on tax-exempt securities are calculated on a tax-equivalent basis. The following schedule summarizes the amount of gross unrealized losses for debt securities and the estimated fair value by length of time the securities have been in an unrealized loss position: December 31, 2022 Less than 12 months 12 months or more Total (In millions) Gross Estimated Gross Estimated Gross Estimated Available-for-sale U.S. Treasury securities $ 94 $ 308 $ 70 $ 85 $ 164 $ 393 U.S. Government agencies and corporations: Agency securities 39 634 7 102 46 736 Agency guaranteed mortgage-backed securities 447 4,322 838 4,042 1,285 8,364 Small Business Administration loan-backed securities 8 101 21 524 29 625 Municipal securities 63 1,295 36 256 99 1,551 Other 2 13 — — 2 13 Total available-for-sale investment securities $ 653 $ 6,673 $ 972 $ 5,009 $ 1,625 $ 11,682 December 31, 2021 Less than 12 months 12 months or more Total (In millions) Gross Estimated Gross Estimated Gross Estimated Available-for-sale U.S. Treasury securities $ — $ — $ 21 $ 134 $ 21 $ 134 U.S. Government agencies and corporations: Agency securities 1 121 — 1 1 122 Agency guaranteed mortgage-backed securities 231 13,574 39 942 270 14,516 Small Business Administration loan-backed securities — 27 28 749 28 776 Municipal securities 4 327 — 8 4 335 Other — — — — — — Total available-for-sale investment securities $ 236 $ 14,049 $ 88 $ 1,834 $ 324 $ 15,883 Approximately 3,562 and 1,302 AFS investment securities were in an unrealized loss position at December 31, 2022, and 2021, respectively. Impairment Ongoing Policy We review investment securities quarterly on an individual basis for the presence of impairment. For AFS securities, when the fair value of a debt security is less than its amortized cost basis at the balance sheet date, we assess for the presence of credit impairment. When determining if the fair value of an investment is less than the amortized cost basis, we have elected to exclude accrued interest from the amortized cost basis of the investment. If we have the intent to sell an identified security, or if it is more likely than not we will be required to sell the security before recovery of its amortized cost basis, we write the amortized cost down to the security’s fair value at the reporting date through earnings. If we have the intent and ability to hold the securities, we determine whether there is any impairment attributable to credit-related factors. We analyze certain factors, primarily internal and external credit ratings, to determine if the decline in fair value below the amortized cost basis has resulted from a credit loss or other factors. If a credit impairment is determined to exist, then we measure the amount of credit loss and recognize an allowance for the credit loss. In measuring the credit loss, we generally compare the present value of cash flows expected to be collected from the security to the amortized cost basis of the security. These cash flows are credit adjusted using, among other things, assumptions for default probability and loss severity. Certain other inputs, such as prepayment rate assumptions, are also utilized. In addition, certain internal models may be utilized. To determine the credit-related portion of impairment, we use the security-specific effective interest rate when estimating the present value of cash flows. If the present value of cash flows is less than the amortized cost basis of the security, then this amount is recorded as an allowance for credit loss, limited to the amount that the fair value is less than the amortized cost basis (i.e., the credit impairment cannot result in the security being carried at an amount lower than its fair value). The assumptions used to estimate the expected cash flows depend on the particular asset class, structure, and credit rating of the security. Declines in fair value that are not recorded in the allowance are recorded in other comprehensive income, net of applicable taxes. AFS Impairment We did not recognize any credit impairment on our AFS investment securities portfolio during 2022 or 2021. Unrealized losses relate primarily to changes in interest rates subsequent to purchase and are not attributable to credit. At December 31, 2022, we had not initiated any sales of AFS securities, nor did we have the intent to sell any identified securities with unrealized losses. We do not believe it is more likely than not we would be required to sell such securities before recovery of their amortized cost basis. HTM Impairment For HTM securities, the ACL is assessed consistent with the approach described in Note 6 for loans and leases carried at amortized cost. The ACL on HTM securities was less than $1 million at December 31, 2022. All HTM securities were risk-graded as “pass” in terms of credit quality, and none were past due at December 31, 2022. The following schedule presents the amortized cost basis of HTM securities categorized by year acquired: December 31, 2022 Amortized cost basis by year acquired (In millions) 2022 2021 2020 2019 2018 Prior Total Securities Held-to-maturity $ 2,386 $ 7,222 $ 1,121 $ 81 $ 72 $ 244 $ 11,126 Securities Gains and Losses Recognized in Income The following schedule summarizes securities gains and losses recognized in the income statement: 2022 2021 2020 (In millions) Gross Gross Gross Gross Gross Gross Other noninterest-bearing investments $ 11 $ 26 $ 119 $ 48 $ 27 $ 20 Net gains (losses) 1 $ (15) $ 71 $ 7 1 Net gains (losses) were recognized in securities gains (losses) in the income statement. The following schedule presents interest income by security type: (In millions) 2022 2021 2020 Taxable Nontaxable Total Taxable Nontaxable Total Taxable Nontaxable Total Investment securities: Held-to-maturity $ 42 $ 4 $ 46 $ 10 $ 5 $ 15 $ 10 $ 10 $ 20 Available-for-sale 411 40 451 256 29 285 252 25 277 Trading — 15 15 — 11 11 — 7 7 Total securities $ 453 $ 59 $ 512 $ 266 $ 45 $ 311 $ 262 $ 42 $ 304 Investment securities with a carrying value of $7.1 billion and $3.1 billion at December 31, 2022, and 2021, respectively, were pledged to secure public and trust deposits, advances, and for other purposes as required by law. Securities are also pledged as collateral for security repurchase agreements.

Loans, Leases, and Allowance Fo

Loans, Leases, and Allowance For Credit Losses	12 Months Ended
	Dec. 31, 2022
Receivables [Abstract]
LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES	LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES Loans, Leases, and Loans Held for Sale Loans and leases are summarized as follows according to major portfolio segment and specific class: December 31, (In millions) 2022 2021 Loans held for sale $ 8 $ 83 Commercial: Commercial and industrial $ 16,180 $ 13,867 PPP 197 1,855 Leasing 386 327 Owner-occupied 9,371 8,733 Municipal 4,361 3,658 Total commercial 30,495 28,440 Commercial real estate: Construction and land development 2,513 2,757 Term 10,226 9,441 Total commercial real estate 12,739 12,198 Consumer: Home equity credit line 3,377 3,016 1-4 family residential 7,286 6,050 Construction and other consumer real estate 1,161 638 Bankcard and other revolving plans 471 396 Other 124 113 Total consumer 12,419 10,213 Total loans and leases $ 55,653 $ 50,851 Loans and leases are measured and presented at their amortized cost basis, which includes net unamortized purchase premiums, discounts, and deferred loan fees and costs totaling $49 million and $83 million at December 31, 2022, and December 31, 2021, respectively. Amortized cost basis does not include accrued interest receivables of $247 million and $161 million at December 31, 2022, and December 31, 2021, respectively. These receivables are presented on the consolidated balance sheet within the “ Other assets Municipal loans generally include loans to state and local governments (“municipalities”) with the debt service being repaid from general funds or pledged revenues of the municipal entity, or to private commercial entities or 501(c)(3) not-for-profit entities utilizing a pass-through municipal entity to achieve favorable tax treatment. Land acquisition and development loans included in the construction and land development loan portfolio were $262 million at December 31, 2022 and $160 million at December 31, 2021. Loans with a carrying value of approximately $27.6 billion at December 31, 2022, and $26.8 billion at December 31, 2021, have been pledged at the Federal Reserve and the Federal Home Loan Bank (“FHLB”) of Des Moines as collateral for current and potential borrowings. We sold loans totaling $0.7 billion in 2022, $1.7 billion in 2021, and $1.8 billion in 2020, that were classified as loans held for sale. Loans classified as loans held for sale primarily consist of conforming residential mortgages and the guaranteed portion of SBA loans that are primarily sold to U.S. government agencies or participated to third-parties. They do not include loans from the SBA’s Paycheck Protection Program (“PPP”). Occasionally, we have continuing involvement in the sold loans in the form of servicing rights or guarantees. Amounts added to loans held for sale during these same periods were $0.7 billion, $1.7 billion, and $1.8 billion, respectively. See Note 5 for further information regarding guaranteed securities. The principal balance of sold loans for which we have retained servicing was approximately $3.5 billion at December 31, 2022, and $3.3 billion at December 31, 2021. Income from loans sold, excluding servicing, was $14 million in 2022, $34 million in 2021, and $54 million in 2020. Allowance for Credit Losses The ACL, which consists of the ALLL and the RULC, represents our estimate of current expected credit losses related to the loan and lease portfolio and unfunded lending commitments as of the balance sheet date. The ACL for AFS and HTM debt securities is estimated separately from loans. For HTM securities, the ACL is assessed consistent with the approach for loans carried at amortized cost. See Note 5 for further discussion on our assessment of expected credit losses on AFS securities and disclosures related to AFS and HTM securities. The ACL reflects our best estimate of credit losses and is calculated using the loan’s amortized cost basis (principal balance, net of unamortized premiums, discounts, and deferred fees and costs). We do not estimate the ACL for accrued interest receivables because we reverse or write-off uncollectible accrued interest receivable balances in a timely manner, generally within one month. The methodologies we use to estimate the ACL depend upon the type of loan, the age and contractual term of the loan, expected payments (both contractual and assumed prepayments), credit quality indicators, economic forecasts, and the evaluation method (whether individually or collectively evaluated). Loan extensions or renewals are not considered in the ACL unless they are included in the original or modified loan contract and are not unconditionally cancellable, or we reasonably expect a related modification to result in a TDR. Losses are charged to the ACL when recognized. Generally, commercial and commercial real estate (“CRE”) loans are charged off or charged down when they are determined to be uncollectible in whole or in part, or when 180 days past due, unless the loan is well-secured and in process of collection. Consumer loans are either charged off or charged down to net realizable value no later than the month in which they become 180 days past due. Closed-end consumer loans that are not secured by residential real estate are either charged off or charged down to net realizable value no later than the month in which they become 120 days past due. We establish the amount of the ACL by analyzing the portfolio at least quarterly, and we adjust the provision for loan losses and unfunded lending commitments to ensure the ACL is at an appropriate level at the balance sheet date. The ACL is determined based on our review of loans that have similar risk characteristics, which are evaluated on a collective basis, as well as loans that do not have similar risk characteristics, which are evaluated on an individual basis. For commercial and CRE loans with commitments greater than $1 million, we assign internal risk grades using a comprehensive loan grading system based on financial and statistical models, individual credit analysis, and loan officer experience and judgment. The credit quality indicators described subsequently are based on this grading system. Estimated credit losses on all loan segments, including consumer and small commercial and CRE loans with commitments less than or equal to $1 million that are evaluated on a collective basis, are derived from statistical analyses of our historical default and loss experience since January 2008. We estimate current expected credit losses for each loan, which includes considerations of historical credit loss experience, current conditions, and reasonable and supportable forecasts about the future. We use the following two types of credit loss estimation models: • Econometric loss models, which rely on statistical analyses of our historical loss experience dependent upon economic factors and other loan-level characteristics. Statistically relevant economic factors vary depending upon the type of loan, but include variables such as unemployment, real estate price indices, energy prices, GDP, etc. The models use multiple economic scenarios that reflect optimistic, baseline, and stressed economic conditions. The results derived using these economic scenarios are probability-weighted to produce the credit loss estimate. • Loss models that are based on our long-term average historical credit loss experience since 2008, which rely on statistical analyses of our historical loss experience dependent upon loan-level characteristics. Credit loss estimates for the first 12 months of a loan’s remaining life are derived using econometric loss models. Over a subsequent 12-month reversion period, we blend the estimated credit losses from the two models on a straight-line basis. For the remaining life of the loan, the estimated credit losses are derived from the long-term average historical credit loss models. For loans that do not share risk characteristics with other loans, we estimate lifetime expected credit losses on an individual basis. These include nonaccrual loans with a balance greater than $1 million; TDR loans, including TDRs that subsequently default; a loan no longer reported as a TDR; or a loan where we reasonably expect it to become a TDR. When a loan is individually evaluated for expected credit losses, we estimate a specific reserve for the loan based on either the projected present value of the loan’s future cash flows discounted at the loan’s effective interest rate, the observable market price of the loan, or the fair value of the loan’s underlying collateral. When we base the specific reserve on the fair value of the loan’s underlying collateral, we generally charge-off the portion of the balance that is greater than fair value. For these loans, subsequent to the charge-off, if the fair value of the loan’s underlying collateral increases according to an updated appraisal, we establish a negative reserve up to the lesser of the amount of the charge-off or the updated fair value. The methodologies described previously generally rely on historical loss information to help determine our quantitative portion of the ACL. However, we also consider other qualitative and environmental factors related to current conditions and reasonable and supportable forecasts that may indicate current expected credit losses may differ from the historical information reflected in our quantitative models. Thus, after applying historical loss experience, as described above, we review the quantitative portion of ACL for each segment using qualitative criteria, and we use those criteria to determine our qualitative estimate. We monitor various risk factors that influence our judgment regarding the level of the ACL across the portfolio segments. These factors primarily include: • Actual and expected changes in international, national, regional, and local economic and business conditions and developments; • The volume and severity of past due loans, the volume of nonaccrual loans, and the volume and severity of adversely classified or graded loans; • Lending policies and procedures, including changes in underwriting standards and practices for collection, charge-off, and recovery; • The experience, ability, and depth of lending management and other relevant staff; • The nature and volume of the portfolio; • The quality of the credit review function; • The existence, growth, and effect of any concentration of credit; • The effect of other external factors such as regulatory, legal, and technological environments; fiscal and monetary actions; competition; and events such as natural disasters and pandemics. The magnitude of the impact of these factors on our qualitative assessment of the ACL changes from quarter to quarter according to changes made by management in its assessment of these factors, the extent these factors are already reflected in quantitative loss estimates, and the extent changes in these factors diverge from one to another. Management may adjust the probability weights mentioned previously to reflect management’s assessments of current conditions and reasonable and supportable forecasts. We also consider the uncertainty and imprecision inherent in the estimation process when evaluating the ACL. Off-balance Sheet Credit Exposures As previously mentioned, we estimate current expected credit losses for off-balance sheet loan commitments, including letters of credit that are not unconditionally cancellable. This estimate uses the same procedures and methodologies described previously for loans and is calculated by taking the difference between the estimated current expected credit loss and the funded balance, if greater than zero. Changes in the Allowance for Credit Losses Changes in the ACL are summarized as follows: December 31, 2022 (In millions) Commercial Commercial Consumer Total Allowance for loan and lease losses Balance at beginning of year $ 311 $ 107 $ 95 $ 513 Provision for loan losses 29 49 23 101 Gross loan and lease charge-offs 72 — 10 82 Recoveries 32 — 11 43 Net loan and lease charge-offs (recoveries) 40 — (1) 39 Balance at end of year $ 300 $ 156 $ 119 $ 575 Reserve for unfunded lending commitments Balance at beginning of year $ 19 $ 11 $ 10 $ 40 Provision for unfunded lending commitments (3) 22 2 21 Balance at end of year $ 16 $ 33 $ 12 $ 61 Total allowance for credit losses Allowance for loan and lease losses $ 300 $ 156 $ 119 $ 575 Reserve for unfunded lending commitments 16 33 12 61 Total allowance for credit losses $ 316 $ 189 $ 131 $ 636 December 31, 2021 (In millions) Commercial Commercial Consumer Total Allowance for loan and lease losses Balance at beginning of year $ 464 $ 171 $ 142 $ 777 Provision for loan losses (147) (67) (44) (258) Gross loan and lease charge-offs 35 — 13 48 Recoveries 29 3 10 42 Net loan and lease charge-offs (recoveries) 6 (3) 3 6 Balance at end of year $ 311 $ 107 $ 95 $ 513 Reserve for unfunded lending commitments Balance at beginning of year $ 30 $ 20 $ 8 $ 58 Provision for unfunded lending commitments (11) (9) 2 (18) Balance at end of year $ 19 $ 11 $ 10 $ 40 Total allowance for credit losses Allowance for loan and lease losses $ 311 $ 107 $ 95 $ 513 Reserve for unfunded lending commitments 19 11 10 40 Total allowance for credit losses $ 330 $ 118 $ 105 $ 553 Nonaccrual Loans Loans are generally placed on nonaccrual status when payment in full of principal and interest is not expected, or the loan is 90 days or more past due as to principal or interest, unless the loan is both well-secured and in the process of collection. Factors we consider in determining whether a loan is placed on nonaccrual include delinquency status, collateral-value, borrower or guarantor financial statement information, bankruptcy status, and other information which would indicate that the full and timely collection of interest and principal is uncertain. A nonaccrual loan may be returned to accrual status when (1) all delinquent interest and principal become current in accordance with the terms of the loan agreement; (2) the loan, if secured, is well-secured; (3) the borrower has paid according to the contractual terms for a minimum of six months; and (4) an analysis of the borrower indicates a reasonable assurance of the borrower's ability and willingness to maintain payments. The amortized cost basis of loans on nonaccrual status is summarized as follows: December 31, 2022 Amortized cost basis Total amortized cost basis (In millions) with no allowance with allowance Related allowance Commercial: Commercial and industrial $ 4 $ 52 $ 56 $ 26 PPP 4 3 7 1 Owner-occupied 13 11 24 1 Total commercial 21 66 87 28 Commercial real estate: Term — 14 14 2 Total commercial real estate — 14 14 2 Consumer: Home equity credit line 1 10 11 2 1-4 family residential 9 28 37 3 Total consumer loans 10 38 48 5 Total $ 31 $ 118 $ 149 $ 35 December 31, 2021 Amortized cost basis Total amortized cost basis (In millions) with no allowance with allowance Related allowance Commercial: Commercial and industrial $ 30 $ 94 $ 124 $ 34 SBA PPP 2 1 3 — Owner-occupied 37 20 57 3 Total commercial 69 115 184 37 Commercial real estate: Term 6 14 20 3 Total commercial real estate 6 14 20 3 Consumer: Home equity credit line 4 10 14 2 1-4 family residential 9 43 52 5 Bankcard and other revolving plans — 1 1 1 Total consumer loans 13 54 67 8 Total $ 88 $ 183 $ 271 $ 48 For accruing loans, interest is accrued and interest payments are recognized into interest income according to the contractual loan agreement. For nonaccruing loans, the accrual of interest is discontinued, any uncollected or accrued interest is reversed from interest income in a timely manner (generally within one month), and any payments received on these loans are not recognized into interest income, but are applied as a reduction to the principal outstanding. When the collectibility of the amortized cost basis for a nonaccrual loan is no longer in doubt, then interest payments may be recognized in interest income on a cash basis. For 2022 and 2021, there was no interest income recognized on a cash basis during the period the loans were on nonaccrual. The amount of accrued interest receivables reversed from interest income during the periods presented is summarized by loan portfolio segment as follows: Twelve Months Ended (In millions) 2022 2021 2020 Commercial $ 12 $ 15 $ 16 Commercial real estate 1 2 2 Consumer — — 1 Total $ 13 $ 17 $ 19 Past Due Loans Closed-end loans with payments scheduled monthly are reported as past due when the borrower is in arrears for two or more monthly payments. Similarly, open-end credits, such as bankcard and other revolving credit plans, are reported as past due when the minimum payment has not been made for two or more billing cycles. Other multi-payment obligations (i.e., quarterly, semi-annual, etc.), single payment, and demand notes, are reported as past due when either principal or interest is due and unpaid for a period of 30 days or more. Past-due loans (accruing and nonaccruing) are summarized as follows: December 31, 2022 (In millions) Current 30-89 days 90+ days Total Total Accruing Nonaccrual loans that are current 1 Commercial: Commercial and industrial $ 16,148 $ 18 $ 14 $ 32 $ 16,180 $ 2 $ 44 PPP 183 6 8 14 197 2 1 Leasing 386 — — — 386 — — Owner-occupied 9,344 20 7 27 9,371 1 15 Municipal 4,361 — — — 4,361 — — Total commercial 30,422 44 29 73 30,495 5 60 Commercial real estate: Construction and land development 2,511 2 — 2 2,513 — — Term 10,179 37 10 47 10,226 — 4 Total commercial real estate 12,690 39 10 49 12,739 — 4 Consumer: Home equity credit line 3,369 5 3 8 3,377 — 6 1-4 family residential 7,258 9 19 28 7,286 — 16 Construction and other consumer real estate 1,161 — — — 1,161 — Bankcard and other revolving plans 467 3 1 4 471 1 — Other 124 — — — 124 — — Total consumer loans 12,379 17 23 40 12,419 1 22 Total $ 55,491 $ 100 $ 62 $ 162 $ 55,653 $ 6 $ 86 December 31, 2021 (In millions) Current 30-89 days 90+ days Total Total Accruing Nonaccrual loans that are current 1 Commercial: Commercial and industrial $ 13,822 $ 17 $ 28 $ 45 $ 13,867 $ 2 $ 91 PPP 1,813 35 7 42 1,855 5 — Leasing 327 — — — 327 — — Owner-occupied 8,712 7 14 21 8,733 — 42 Municipal 3,658 — — — 3,658 — — Total commercial 28,332 59 49 108 28,440 7 133 Commercial real estate: Construction and land development 2,757 — — — 2,757 — — Term 9,426 10 5 15 9,441 — 15 Total commercial real estate 12,183 10 5 15 12,198 — 15 Consumer: Home equity credit line 3,008 4 4 8 3,016 — 10 1-4 family residential 6,018 6 26 32 6,050 — 24 Construction and other consumer real estate 638 — — — 638 — — Bankcard and other revolving plans 393 2 1 3 396 1 — Other 112 1 — 1 113 — — Total consumer loans 10,169 13 31 44 10,213 1 34 Total $ 50,684 $ 82 $ 85 $ 167 $ 50,851 $ 8 $ 182 1 Represents nonaccrual loans that are not past due more than 30 days; however, full payment of principal and interest is not expected. Credit Quality Indicators In addition to the nonaccrual and past due criteria, we also analyze loans using loan risk-grading systems, which vary based on the size and type of credit risk exposure. The internal risk-grades assigned to loans follow our definitions of Pass, Special Mention, Substandard, and Doubtful, which are consistent with published definitions of regulatory risk classifications. Definitions of Pass, Special Mention, Substandard, and Doubtful are summarized as follows: • Pass — A Pass asset is higher-quality and does not fit any of the other categories described below. The likelihood of loss is considered low. • Special Mention — A Special Mention asset has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in our credit position at some future date. • Substandard — A Substandard asset is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Assets so classified have well-defined weaknesses and are characterized by the distinct possibility that we may sustain some loss if deficiencies are not corrected. • Doubtful — A Doubtful asset has all the weaknesses inherent in a Substandard asset with the added characteristics that the weaknesses make collection or liquidation in full highly questionable and improbable. There were no loans classified as Doubtful at both December 31, 2022, and December 31, 2021. For commercial and CRE loans with commitments greater than $1 million, we assign one of multiple grades within the Pass classification or one of the risk classifications described previously. We confirm our internal risk-grades quarterly, or as soon as we identify information that affects the credit risk of the loan. For consumer loans and for commercial and CRE loans with commitments less than or equal to $1 million, we generally assign internal risk-grades similar to those described previously based on automated rules that depend on refreshed credit scores, payment performance, and other risk indicators. These are generally assigned either a Pass, Special Mention, or Substandard grade, and are reviewed as we identify information that might warrant a grade change. The amortized cost basis of loans and leases categorized by year of origination and by credit quality classifications as monitored by management are summarized as follows: December 31, 2022 Term Loans Revolving loans amortized cost basis Revolving loans converted to term loans amortized cost basis Amortized cost basis by year of origination (In millions) 2022 2021 2020 2019 2018 Prior Total Commercial: Commercial and industrial Pass $ 3,363 $ 1,799 $ 864 $ 876 $ 293 $ 264 $ 8,054 $ 182 $ 15,695 Special Mention 1 2 10 52 1 2 50 — 118 Accruing Substandard 26 7 17 78 30 67 84 2 311 Nonaccrual — 6 — 11 1 2 32 4 56 Total commercial and industrial 3,390 1,814 891 1,017 325 335 8,220 188 16,180 PPP Pass — 75 115 — — — — — 190 Nonaccrual — 2 5 — — — — — 7 Total PPP — 77 120 — — — — — 197 Leasing Pass 160 71 47 66 18 19 — — 381 Special Mention — — — — — — — — — Accruing Substandard — — — — — 5 — — 5 Nonaccrual — — — — — — — — — Total leasing 160 71 47 66 18 24 — — 386 Owner-occupied Pass 2,157 2,285 1,143 874 654 1,679 187 74 9,053 Special Mention 1 15 5 8 3 16 1 — 49 Accruing Substandard 16 33 48 20 55 64 9 — 245 Nonaccrual 1 1 2 4 5 10 1 — 24 Total owner-occupied 2,175 2,334 1,198 906 717 1,769 198 74 9,371 Municipal Pass 1,230 1,220 816 441 168 437 8 — 4,320 Special Mention 32 6 — — — — — — 38 Accruing Substandard — — — — — 3 — — 3 Nonaccrual — — — — — — — — — Total municipal 1,262 1,226 816 441 168 440 8 — 4,361 Total commercial 6,987 5,522 3,072 2,430 1,228 2,568 8,426 262 30,495 Commercial real estate: Construction and land development Pass 548 671 455 81 2 2 617 96 2,472 Special Mention 1 1 — — — — — — 2 Accruing Substandard 17 — — 22 — — — — 39 Nonaccrual — — — — — — — — — Total construction and land development 566 672 455 103 2 2 617 96 2,513 Term Pass 2,861 2,107 1,686 1,012 666 1,229 276 112 9,949 Special Mention 39 21 11 — 4 1 — — 76 Accruing Substandard 42 2 34 21 53 35 — — 187 Nonaccrual — — — 4 1 9 — — 14 Total term 2,942 2,130 1,731 1,037 724 1,274 276 112 10,226 Total commercial real estate 3,508 2,802 2,186 1,140 726 1,276 893 208 12,739 December 31, 2022 Term Loans Revolving loans amortized cost basis Revolving loans converted to term loans amortized cost basis Amortized cost basis by year of origination (In millions) 2022 2021 2020 2019 2018 Prior Total Consumer: Home equity credit line Pass — — — — — — 3,265 98 3,363 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 3 — 3 Nonaccrual — — — — — — 8 3 11 Total home equity credit line — — — — — — 3,276 101 3,377 1-4 family residential Pass 1,913 1,503 1,024 638 381 1,788 — — 7,247 Special Mention — — — — — — — — — Accruing Substandard — — — — — 2 — — 2 Nonaccrual — 2 2 4 3 26 — — 37 Total 1-4 family residential 1,913 1,505 1,026 642 384 1,816 — — 7,286 Construction and other consumer real estate Pass 583 485 64 19 5 5 — — 1,161 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total construction and other consumer real estate 583 485 64 19 5 5 — — 1,161 Bankcard and other revolving plans Pass — — — — — — 468 2 470 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 1 — 1 Nonaccrual — — — — — — — — — Total bankcard and other revolving plans — — — — — — 469 2 471 Other consumer Pass 68 30 12 8 4 2 — — 124 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total other consumer 68 30 12 8 4 2 — — 124 Total consumer 2,564 2,020 1,102 669 393 1,823 3,745 103 12,419 Total loans $ 13,059 $ 10,344 $ 6,360 $ 4,239 $ 2,347 $ 5,667 $ 13,064 $ 573 $ 55,653 December 31, 2021 Term Loans Revolving loans amortized cost basis Revolving loans converted to term loans amortized cost basis Amortized cost basis by year of origination (In millions) 2021 2020 2019 2018 2017 Prior Total Commercial: Commercial and industrial Pass $ 2,561 $ 1,309 $ 1,179 $ 748 $ 354 $ 239 $ 6,594 $ 121 $ 13,105 Special Mention 4 17 9 12 1 3 128 1 175 Accruing Substandard 28 22 99 53 31 65 162 3 463 Nonaccrual 14 10 6 3 1 21 51 18 124 Total commercial and industrial 2,607 1,358 1,293 816 387 328 6,935 143 13,867 PPP Pass 1,317 535 — — — — — — 1,852 Nonaccrual — 3 — — — — — — 3 Total PPP 1,317 538 — — — — — — 1,855 Leasing Pass 46 74 70 64 42 19 — — 315 Special Mention — 1 4 1 1 — — — 7 Accruing Substandard — — — — — 5 — — 5 Nonaccrual — — — — — — — — — Total leasing 46 75 74 65 43 24 — — 327 Owner-occupied Pass 2,420 1,366 1,028 868 695 1,663 177 69 8,286 Special Mention 10 13 19 32 18 50 3 3 148 Accruing Substandard 14 24 41 47 24 79 13 — 242 Nonaccrual — 4 14 9 9 20 1 — 57 Total owner-occupied 2,444 1,407 1,102 956 746 1,812 194 72 8,733 Municipal Pass 1,303 963 553 250 327 220 3 — 3,619 Special Mention — — — — — 25 — — 25 Accruing Substandard — 9 — — — 5 — — 14 Nonaccrual — — — — — — — — — Total municipal 1,303 972 553 250 327 250 3 — 3,658 Total commercial 7,717 4,350 3,022 2,087 1,503 2,414 7,132 215 28,440 Commercial real estate: Construction and land development Pass 640 736 515 94 24 2 650 64 2,725 Special Mention — — 1 — — — — — 1 Accruing Substandard — 3 28 — — — — — 31 Nonaccrual — — — — — — — — — Total construction and land development 640 739 544 94 24 2 650 64 2,757 Term Pass 2,407 1,765 1,491 1,066 529 1,401 239 179 9,077 Special Mention 22 39 10 17 8 25 — 4 125 Accruing Substandard 9 9 44 77 14 64 — 2 219 Nonaccrual — 1 5 1 — 13 — — 20 Total term 2,438 1,814 1,550 1,161 551 1,503 239 185 9,441 Total commercial real estate 3,078 2,553 2,094 1,255 575 1,505 889 249 12,198 December 31, 2021 Term Loans Revolving loans amortized cost basis Revolving loans converted to term loans amortized cost basis Amortized cost basis by year of origination (In millions) 2021 2020 2019 2018 2017 Prior Total Consumer: Home equity credit line Pass — — — — — — 2,903 96 2,999 Special Mention — — — — — — 1 — 1 Accruing Substandard — — — — — — 2 — 2 Nonaccrual — — — — — — 7 7 14 Total home equity credit line — — — — — — 2,913 103 3,016 1-4 family residential Pass 1,391 1,021 728 484 681 1,691 — — 5,996 Special Mention — — — — — — — — — Accruing Substandard — — 1 — — 1 — — 2 Nonaccrual — 3 3 3 9 34 — — 52 Total 1-4 family residential 1,391 1,024 732 487 690 1,726 — — 6,050 Construction and other consumer real estate Pass 295 232 73 27 4 7 — — 638 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total construction and other consumer real estate 295 232 73 27 4 7 — — 638 Bankcard and other revolving plans Pass — — — — — — 391 3 394 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 1 — 1 Nonaccrual — — — — — — 1 — 1 Total bankcard and other revolving plans — — — — — — 393 3 396 Other consumer Pass 58 23 17 9 4 2 — — 113 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total other consumer 58 23 17 9 4 2 — — 113 Total consumer 1,744 1,279 822 523 698 1,735 3,306 106 10,213 Total loans $ 12,539 $ 8,182 $ 5,938 $ 3,865 $ 2,776 $ 5,654 $ 11,327 $ 570 $ 50,851 Modified and Restructured Loans Loans may be modified in the normal course of business for competitive reasons or to strengthen our collateral position. Loan modifications and restructurings may also occur when the borrower experiences financial difficulty and needs temporary or permanent relief from the original contractual terms of the loan. Loans that have been modified to accommodate a borrower who is experiencing financial difficulties, and for which we have granted a concession that we would not otherwise consider, are reported as TDRs. We consider many factors in determining whether to agree to a loan modification involving concessions, and we seek a solution that will both minimize potential loss to us and attempt to help the borrower. We evaluate borrowers’ current and forecasted future cash flows, their ability and willingness to make current contractual or proposed modified payments, the value of the underlying collateral (if applicable), the possibility of obtaining additional security or guarantees, and the potential costs related to a repossession or foreclosure and the subsequent sale of the collateral. TDRs are classified as either accrual or nonaccrual loans. A loan on nonaccrual and restructured as a TDR will remain on nonaccrual status until the borrower has proven the ability to perform under the modified structure for a minimum of six months, and there is evidence that such payments can and are likely to continue as agreed. Performance prior to the restructuring, or significant events that coincide with the restructuring, are included in assessing whether the borrower can meet the new terms and may result in the loan being returned to accrual at the time of restructuring or after a shorter performance period. If the borrower’s ability to meet the revised payment schedule is uncertain, the loan remains classified as a nonaccrual loan. A TDR loan that specifies an interest rate that, at the time of the restructuring, is greater than or equal to the rate we are willing to accept for a new loan with comparable risk may not be reported as a TDR in the calendar years subsequent to the restructuring if it is in compliance with its modified terms. Loan modifications provided to borrowers experiencing financial difficulties exclusively related to the COVID-19 pandemic, in which we provide certain short-term modifications or payment deferrals, are not classified as TDRs. The TDRs disclosed subsequently do not include these loan modifications. Other loan modifications above and beyond these short-term modifications or payment deferrals were assessed for TDR classification. Information on TDRs, including their amortized cost on an accruing and nonaccruing basis by loan class, and by modification type, is summarized in the following schedules: December 31, 2022 Amortized cost basis resulting from the following modification types: (In millions) Interest Maturity Principal Payment Other 1 Multiple modification types 2 Total Accruing Commercial: Commercial and industrial $ 1 $ 12 $ — $ — $ 9 $ 28 $ 50 Owner-occupied — 1 — 2 13 12 28 Municipal — — — — — — — Total commercial 1 13 — 2 22 40 78 Commercial real estate: Construction and land development — — — — — 8 8 Term 1 27 — 27 28 1 84 Total commercial real estate 1 27 — 27 28 9 92 Consumer: Home equity credit line — 1 4 — — 1 6 1-4 family residential 2 1 2 — 1 15 21 Total consumer loans 2 2 6 — 1 16 27 Total accruing $ 4 $ 42 $ 6 $ 29 $ 51 $ 65 $ 197 Nonaccruing Commercial: Commercial and industrial $ — $ — $ — $ 3 $ 9 $ 3 $ 15 Owner-occupied 4 — — — — 4 8 Total commercial 4 — — 3 9 7 23 Commercial real estate: Term — 10 — — — — 10 Total commercial real estate — 10 — — — — 10 Consumer: Home equity credit line — — 1 — — — 1 1-4 family residential — 1 — — 1 2 4 Total consumer loans — 1 1 — 1 2 5 Total nonaccruing 4 11 1 3 10 9 38 Total $ 8 $ 53 $ 7 $ 32 $ 61 $ 74 $ 235 1 Includes TDRs that resulted from other modification types including, but not limited to, a legal judgment awarded on different terms, a bankruptcy plan confirmed on different terms, a settlement that includes the delivery of collateral in exchange for debt reduction, etc. 2 Includes TDRs that resulted from a combination of any of the previous modification types. December 31, 2021 Amortized cost basis resulting from the following modification types: (In millions) Interest Maturity Principal Payment Other 1 Multiple modification types 2 Total Accruing Commercial: Commercial and industrial $ 19 $ 1 $ — $ — $ 4 $ 7 $ 31 Owner-occupied

Derivative Instruments and Hedg

Derivative Instruments and Hedging Activities	12 Months Ended
	Dec. 31, 2022
Summary of Derivative Instruments [Abstract]
DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES	DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES Objectives for Using Derivatives Our primary objective for using derivatives is to manage risks, primarily interest rate risk. We use derivatives to manage volatility in interest income, interest expense, earnings, and capital by adjusting our interest rate sensitivity to minimize the impact of fluctuations in interest rates. Derivatives are used to stabilize forecasted interest income from variable-rate assets and to modify the coupon or the duration of fixed-rate financial assets or liabilities as we consider advisable. We also assist customers with their risk management needs through the use of derivatives. Derivatives Related to Interest Rate Risk Management — When we use derivatives as hedges, either for economic or accounting purposes, it is done only to manage identified risks. We apply hedge accounting to certain derivatives executed for risk management purposes. However, we do not apply hedge accounting to all the derivatives involved in our risk management activities. Derivatives not designated as accounting hedges are not speculative and are used to economically manage our exposure to interest rate movements, including offsetting customer-facing derivatives. These derivatives either do not require the use of hedge accounting for their economic impact to be appropriately reflected in our financial statements or they do not meet the strict hedge accounting requirements. Derivatives Related to Customers — We provide certain borrowers access to over-the-counter interest rate derivatives, which we generally offset with interest rate derivatives executed with dealers or central clearing houses. Other interest rate derivatives that we provide to customers, or use for our own purposes, include mortgage rate locks and forward sale loan commitments. We also provide commercial customers with short-term foreign currency spot trades or forward contracts with maturities that are typically 90 days or less. These trades are also largely offset by foreign currency trades with closely matching terms executed with other dealer counterparties or central clearing houses. Accounting for Derivatives We record all derivatives at fair value, and they are presented on the consolidated balance sheet in “Other assets” or “Other liabilities,” regardless of the accounting designation of each derivative. We enter into International Swaps and Derivatives Association, Inc. (“ISDA”) master netting agreements, or similar agreements, with substantially all derivative counterparties. Where legally enforceable, these master netting agreements give us, in the event of default or the triggering of other specified contingent events by the counterparty, the right to use cash or liquidate securities held as collateral and to offset receivables and payables with the same counterparty. For purposes of the Consolidated Balance Sheet, we report all derivatives on a gross fair value basis (i.e., we do not offset derivative assets and liabilities and cash collateral held with the same counterparty where we have a legally enforceable master netting agreement). Note 3 discusses the process to estimate fair value for derivatives. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative and the resulting accounting designation. Derivatives used to hedge the exposure to changes in the fair value of assets, liabilities, or firm commitments attributable to interest rates or other eligible risks, are considered fair value hedges. Derivatives used to hedge the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Changes in the fair value of derivatives that are not part of designated fair value or cash flow hedging relationships are recorded in current period earnings. Fair Value Hedges — We generally use interest rate swaps designated as fair value hedges to hedge changes in the fair value of fixed-rate assets and liabilities for specific risks (e.g., interest rate risk resulting from changes in a benchmark interest rate). We use both pay-fixed, receive-floating and received-fixed, pay-floating interest rate swaps to effectively convert the fixed-rate assets and liabilities to floating rates. In qualifying fair value hedges, changes in value of the derivative hedging instrument are recognized in current period earnings in the same line item affected by the hedged item. Similarly, the periodic changes in value of the hedged item, for the risk being hedged, are recognized in current period earnings, thereby offsetting all, or a significant majority, of the change in the value of the derivative hedging instrument. Interest accruals on both the derivative hedging instrument and the hedged item are recorded in the same line item, effectively converting the designated fixed-rate assets or liabilities to a floating rate. Generally, the designated risk being hedged in all of our fair value hedges is the change in fair value of the LIBOR (or alternative rate) benchmark swap rate component of the contractual coupon cash flows of the fixed-rate assets or liabilities. The swaps are structured to match the critical terms of the hedged items, maximizing the economic (and accounting) effectiveness of the hedging relationships and resulting in the expectation that the swaps will be highly effective as a hedging instrument. All interest rate swaps designated as fair value hedges were highly effective and met all other requirements to remain designated and part of qualifying hedge accounting relationships as of the balance sheet date. Fair Value Hedges of Liabilities — At December 31, 2022, we had one receive-fixed interest rate swap with a notional amount of $500 million designated in a qualifying fair value hedge relationship of fixed-rate debt. The receive-fixed interest rate swap effectively converts the interest on our fixed-rate debt to floating. During 2022, approximately $1 million of unamortized debt basis adjustments related to previously terminated fair value hedges of debt was amortized as a decrease to interest expense. We have no remaining unamortized debt basis adjustments from previously designated fair value hedges remaining. Fair Value Hedges of Assets — We hedge certain newly acquired fixed-rate AFS securities using pay-fixed, receive-floating interest rate swaps, effectively converting the fixed coupon to a floating-rate on the hedged portion of the securities. We have $10 million of cumulative unamortized basis adjustments from previous fair value hedging relationships, which will continue to be amortized as an adjustment to interest income through the end of 2050, thereby increasing the effective interest rate recognized on these securities. At December 31, 2022, we had qualifying fair value hedging relationships of fixed-rate AFS securities being hedged by pay-fixed, receive-floating interest rate swaps with an aggregate notional amount of $1.2 billion (inclusive of forward starting swaps). Cash Flow Hedges — For derivatives designated and qualifying as cash flow hedges, as long as the hedging relationship continues to qualify for hedge accounting, the entire change in the fair value of the hedging instrument is recorded in OCI and recognized in earnings as the hedged transaction affects earnings. Ineffectiveness is not measured or separately disclosed. Derivative amounts affecting earnings are recognized in the same line item as the hedged transactions. We may use interest rate swaps, options, or a combination of options in our cash flow hedging strategy to eliminate or reduce the variability of interest receipts on floating-rate commercial loans due to changes in any separately identifiable and reliably measurable contractual interest rate index. At December 31, 2022, we had receive-fixed interest rate swaps with an aggregate notional amount of $7.6 billion designated as cash flow hedges of the variability of interest receipts on floating-rate commercial loans due to changes in the LIBOR swap rate. At December 31, 2022, we have $410 million of net deferred losses in AOCI from active cash flow hedges. There were no amounts deferred in AOCI for terminated cash flow hedges as of December 31, 2022. Amounts deferred in AOCI from cash flow hedges are expected to be fully reclassified to interest income by the third quarter of 2027. Hedge Effectiveness — We assess the effectiveness of each hedging relationship by comparing the changes in fair value or cash flows on the derivative hedging instrument with the changes in fair value or cash flows on the designated hedged item or transactions for the risk being hedged. If a hedging relationship ceases to qualify for hedge accounting, the relationship is discontinued and future changes in the fair value of the derivative instrument are recognized in current period earnings. For a discontinued or terminated fair value hedging relationship, all remaining basis adjustments to the carrying amount of the hedged item are amortized to interest income or expense over the remaining life of the hedged item consistent with the amortization of other discounts or premiums. Previous balances deferred in AOCI from discontinued or terminated cash flow hedges are reclassified to interest income or expense as the hedged transactions affect earnings or over the originally specified term of the hedging relationship. Collateral and Credit Risk Credit risk arises from the possibility of nonperformance by counterparties. No significant losses on derivative instruments have occurred during 2022 as a result of counterparty nonperformance. We reduce our counterparty exposure for derivative contracts by centrally clearing all eligible derivatives and by executing dealer-facing derivative transactions with well-capitalized financial institutions. For those derivatives that are not centrally cleared, the counterparties are typically financial institutions or our customers. For those that are financial institutions, as noted above, we manage our credit exposure through the use of a Credit Support Annex (“CSA”) to an ISDA master agreement with each counterparty. Eligible collateral types are documented by the CSA and controlled under our general credit policies. Collateral balances are typically monitored on a daily basis. A valuation haircut policy reflects the fact that collateral may fall in value between the date the collateral is called and the date of liquidation or enforcement. At December 31, 2022, all of our collateral held as credit risk mitigation under a CSA was cash. We offer interest rate swaps to our customers to assist them in managing their exposure to changing interest rates. Upon issuance, all of these customer swaps are immediately offset through closely matching derivative contracts to minimize our interest rate risk exposure resulting from such transactions. Fee income from customer swaps is recorded in “Capital markets and foreign exchange fees” on the consolidated statement of income. We manage the credit risk associated with customer nonperformance through additional underwriting that includes modeling the credit risk exposure for the swap, shared collateral and guarantee protection applicable to the loan and credit approvals, limits, and monitoring procedures. We measure counterparty credit risk through the calculation of a CVA that captures the value of both the nonperformance risk that we have to our customers and that they have to us. Periodic changes in the net CVA are recorded in current period earnings in “Fair value and nonhedge derivative income or loss” on the consolidated statement of income. Our derivative contracts require us to pledge collateral for derivatives that are in a net liability position. Certain derivative contracts contain credit-risk-related contingent features that include the requirement to maintain a minimum debt credit rating. We may be required to pledge additional collateral if a credit-risk-related feature were triggered, such as a downgrade of our credit rating. However, in past situations, not all counterparties have demanded that additional collateral be pledged when provided for by the contractual terms. At December 31, 2022, the fair value of our derivative liabilities was $451 million, for which we were required to pledge cash collateral of approximately $152 million in the normal course of business. If our credit rating were downgraded one notch by either Standard and Poor’s (“S&P”) or Moody’s at December 31, 2022, there would likely be no additional collateral required to be pledged. Derivatives that are centrally cleared do not have credit-risk-related features that require additional collateral if our credit rating were downgraded. Derivative Amounts The following schedule presents derivative notional amounts and recorded gross fair values at December 31, 2022 and 2021. December 31, 2022 December 31, 2021 Notional Fair value Notional Fair value (In millions) Other Other Other Other Derivatives designated as hedging instruments: Cash flow hedges of floating-rate assets: Purchased interest rate floors $ — $ — $ — $ — $ — $ — Receive-fixed interest rate swaps 7,633 — 1 6,883 — — Fair value hedges: Debt hedges: Receive-fixed interest rate swaps 500 — — 500 — — Asset hedges: Pay-fixed interest rate swaps 1 1,228 84 — 479 10 — Total derivatives designated as hedging instruments 9,361 84 1 7,862 10 — Derivatives not designated as hedging instruments: Customer interest rate derivatives 2 13,670 296 443 13,174 200 48 Other interest rate derivatives 862 — — 1,286 6 1 Foreign exchange derivatives 605 6 7 288 3 2 Total derivatives not designated as hedging instruments 15,137 302 450 14,748 209 51 Total derivatives $ 24,498 $ 386 $ 451 $ 22,610 $ 219 $ 51 1 The notional amount includes forward starting swaps that are not yet effective. 2 Customer interest rate derivatives include both customer-facing derivatives and the offsetting, dealer-facing derivatives. Customer interest rate derivatives include a net CVA of $13 million and $3 million, reducing the fair value amount at December 31, 2022, and December 31, 2021, respectively. These adjustments are required to reflect both our nonperformance risk and that of the respective counterparty. The amount of derivative gains (losses) from cash flow and fair value hedges that was deferred in OCI or recognized in earnings for year ended December 31, 2022 and 2021 is shown in the schedules below. Year Ended December 31, 2022 (In millions) Effective portion of derivative gain/(loss) deferred in AOCI Excluded components deferred in AOCI (amortization approach) Amount of gain/(loss) reclassified from AOCI into income Interest on fair value hedges Hedge ineffectiveness / AOCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ — $ 2 $ — $ — Interest rate swaps (437) — (29) — — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — — (1) — Basis amortization on terminated hedges 2, 3 — — — 1 — Fair value hedges of assets: Pay-fixed interest rate swaps — — — 4 (1) Basis amortization on terminated hedges 2, 3 — — — — — Total derivatives designated as hedging instruments $ (437) $ — $ (27) $ 4 $ (1) Year Ended December 31, 2021 (In millions) Effective portion of derivative gain/(loss) deferred in AOCI Excluded components deferred in AOCI (amortization approach) Amount of gain/(loss) reclassified from AOCI into income Interest on fair value hedges Hedge ineffectiveness / AOCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ — $ 11 $ — $ — Interest rate swaps (34) — 51 — — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — — 8 — Basis amortization on terminated hedges 2, 3 — — — 10 — Fair value hedges of assets: Pay-fixed interest rate swaps — — — (3) — Basis amortization on terminated hedges 2, 3 — — — — — Total derivatives designated as hedging instruments $ (34) $ — $ 62 $ 15 $ — Note: These schedules are not intended to present at any given time our long/short position with respect to our derivative contracts. 1 For the 12 months following December 31, 2022, we estimate that $205 million of net losses will be reclassified from AOCI into interest income, compared with an estimate of $32 million at December 31, 2021. 2 Adjustment to interest income or expense resulting from the amortization of the basis adjustment from previously terminated hedging relationships. 3 The cumulative unamortized basis adjustment from previously terminated or redesignated fair value hedges at December 31, 2022 was zero and $10 million of terminated fair value debt and asset hedges, respectively, compared with $1 million and $7 million at December 31, 2021. The amortization of the cumulative unamortized basis adjustment from asset hedges is not shown in the schedules because it is not significant. The amount of gains (losses) recognized from derivatives not designated as accounting hedges is summarized as follows: Other Noninterest (In millions) 2022 2021 Derivatives not designated as hedging instruments: Customer interest rate derivatives $ 43 $ 34 Other interest rate derivatives — (12) Foreign exchange derivatives 29 27 Total derivatives not designated as hedging instruments $ 72 $ 49 The following schedule presents derivatives used in fair value hedge accounting relationships, as well as pre-tax gains/(losses) recorded on such derivatives and the related hedged items for the periods presented. Gain/(loss) recorded in income Twelve Months Ended Twelve Months Ended (In millions) Derivatives 2 Hedged items Total income statement impact Derivatives 2 Hedged items Total income statement impact Debt: Receive-fixed interest rate swaps 1,2 $ (79) $ 79 $ — $ (30) $ 30 $ — Assets: Pay-fixed interest rate swaps 1,2 224 (225) (1) 23 (23) — 1 Consists of hedges of benchmark interest rate risk of fixed-rate long-term debt and fixed-rate AFS securities. Gains and losses were recorded in interest expense or income consistent with the hedged items. 2 The income/expense for derivatives does not reflect interest income/expense from periodic accruals and payments to be consistent with the presentation of the gains/(losses) on the hedged items. The following schedule provides information regarding basis adjustments for hedged items. Par value of hedged assets/(liabilities) Carrying amount of the hedged assets/(liabilities) Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets/(liabilities) (In millions) 2022 2021 2022 2021 2022 2021 Long-term fixed-rate debt 1,2 $ (500) $ (500) $ (435) $ (507) $ 65 $ (7) Fixed-rate AFS securities 1,2 1,228 479 962 435 (266) (44) 1 Carrying amounts displayed above exclude (1) issuance and purchase discounts or premiums, (2) unamortized issuance and acquisition costs, and (3) amounts related to terminated fair value hedges.

Leases

Leases	12 Months Ended
	Dec. 31, 2022
Leases [Abstract]
LEASES	LEASES We have operating and finance leases for branches, corporate offices, and data centers. At December 31, 2022, we had 416 branches, of which 277 are owned and 139 are leased. We lease our headquarters in Salt Lake City, Utah. The remaining maturities of our lease commitments range from the year 2023 to 2062, and some lease arrangements include options to extend or terminate the leases. All leases with lease terms greater than twelve months are reported as a lease liability with a corresponding ROU asset. We present ROU assets for operating leases and finance leases on the consolidated balance sheet in “ Other assets Premises, equipment and software, net Other liabilities Long-term debt ROU assets and related lease liabilities reflect the present value of the future minimum lease payments over the lease term at commencement date. Because most of our leases do not provide an implicit rate, we use our secured incremental borrowing rate that is commensurate with the lease term when calculating the present value of future payments. The ROU asset also reflects any lease prepayments, initial direct costs, amortization, and certain nonlease components, such as maintenance, utilities or tax payments. Our lease terms incorporate options to extend or terminate the lease when it is reasonably certain that we will exercise these options. The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate: December 31, (Dollar amounts in millions) 2022 2021 Operating leases ROU assets, net of amortization $ 173 $ 195 Lease liabilities 198 222 Finance leases ROU assets, net of amortization 4 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.4 8.5 Finance leases 17.4 18.3 Weighted average discount rate Operating leases 2.9 % 2.8 % Finance leases 3.1 % 3.1 % Additional information related to lease expense is presented below: Year Ended December 31, (In millions) 2022 2021 2020 Lease expense: Operating lease expense $ 46 $ 47 $ 49 Other expenses associated with operating leases 1 51 50 49 Total lease expense $ 97 $ 97 98 Related cash disbursements for operating leases $ 50 $ 50 $ 51 1 Other expenses primarily relate to property taxes and building and property maintenance. ROU assets related to new leases totaled $7 million and $1 million at December 31, 2022 and 2021, respectively. The following schedule presents the total contractual undiscounted lease payments for operating lease liabilities by expected due date for each of the next five years: (In millions) Total undiscounted lease payments 2023 $ 47 2024 39 2025 29 2026 24 2027 15 Thereafter 75 Total $ 229 We enter into certain lease agreements where we are the lessor of real estate. Real estate leases are made from bank-owned and subleased property to generate cash flow from the property, including from leasing vacant suites in which we occupy portions of the building. Operating lease income was $14 million , $13 million, and $12 million during 2022, 2021, and 2020, respectively. We originated equipment leases, considered to be sales-type leases or direct-financing leases, totaling $386 million and $327 million at December 31, 2022 and 2021, respectively. We recorded income of $12 million , $11 million, and $13 million on these leases during 2022, 2021, and 2020, respectively.
LEASES	LEASES We have operating and finance leases for branches, corporate offices, and data centers. At December 31, 2022, we had 416 branches, of which 277 are owned and 139 are leased. We lease our headquarters in Salt Lake City, Utah. The remaining maturities of our lease commitments range from the year 2023 to 2062, and some lease arrangements include options to extend or terminate the leases. All leases with lease terms greater than twelve months are reported as a lease liability with a corresponding ROU asset. We present ROU assets for operating leases and finance leases on the consolidated balance sheet in “ Other assets Premises, equipment and software, net Other liabilities Long-term debt ROU assets and related lease liabilities reflect the present value of the future minimum lease payments over the lease term at commencement date. Because most of our leases do not provide an implicit rate, we use our secured incremental borrowing rate that is commensurate with the lease term when calculating the present value of future payments. The ROU asset also reflects any lease prepayments, initial direct costs, amortization, and certain nonlease components, such as maintenance, utilities or tax payments. Our lease terms incorporate options to extend or terminate the lease when it is reasonably certain that we will exercise these options. The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate: December 31, (Dollar amounts in millions) 2022 2021 Operating leases ROU assets, net of amortization $ 173 $ 195 Lease liabilities 198 222 Finance leases ROU assets, net of amortization 4 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.4 8.5 Finance leases 17.4 18.3 Weighted average discount rate Operating leases 2.9 % 2.8 % Finance leases 3.1 % 3.1 % Additional information related to lease expense is presented below: Year Ended December 31, (In millions) 2022 2021 2020 Lease expense: Operating lease expense $ 46 $ 47 $ 49 Other expenses associated with operating leases 1 51 50 49 Total lease expense $ 97 $ 97 98 Related cash disbursements for operating leases $ 50 $ 50 $ 51 1 Other expenses primarily relate to property taxes and building and property maintenance. ROU assets related to new leases totaled $7 million and $1 million at December 31, 2022 and 2021, respectively. The following schedule presents the total contractual undiscounted lease payments for operating lease liabilities by expected due date for each of the next five years: (In millions) Total undiscounted lease payments 2023 $ 47 2024 39 2025 29 2026 24 2027 15 Thereafter 75 Total $ 229 We enter into certain lease agreements where we are the lessor of real estate. Real estate leases are made from bank-owned and subleased property to generate cash flow from the property, including from leasing vacant suites in which we occupy portions of the building. Operating lease income was $14 million , $13 million, and $12 million during 2022, 2021, and 2020, respectively. We originated equipment leases, considered to be sales-type leases or direct-financing leases, totaling $386 million and $327 million at December 31, 2022 and 2021, respectively. We recorded income of $12 million , $11 million, and $13 million on these leases during 2022, 2021, and 2020, respectively.
LEASES	LEASES We have operating and finance leases for branches, corporate offices, and data centers. At December 31, 2022, we had 416 branches, of which 277 are owned and 139 are leased. We lease our headquarters in Salt Lake City, Utah. The remaining maturities of our lease commitments range from the year 2023 to 2062, and some lease arrangements include options to extend or terminate the leases. All leases with lease terms greater than twelve months are reported as a lease liability with a corresponding ROU asset. We present ROU assets for operating leases and finance leases on the consolidated balance sheet in “ Other assets Premises, equipment and software, net Other liabilities Long-term debt ROU assets and related lease liabilities reflect the present value of the future minimum lease payments over the lease term at commencement date. Because most of our leases do not provide an implicit rate, we use our secured incremental borrowing rate that is commensurate with the lease term when calculating the present value of future payments. The ROU asset also reflects any lease prepayments, initial direct costs, amortization, and certain nonlease components, such as maintenance, utilities or tax payments. Our lease terms incorporate options to extend or terminate the lease when it is reasonably certain that we will exercise these options. The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate: December 31, (Dollar amounts in millions) 2022 2021 Operating leases ROU assets, net of amortization $ 173 $ 195 Lease liabilities 198 222 Finance leases ROU assets, net of amortization 4 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.4 8.5 Finance leases 17.4 18.3 Weighted average discount rate Operating leases 2.9 % 2.8 % Finance leases 3.1 % 3.1 % Additional information related to lease expense is presented below: Year Ended December 31, (In millions) 2022 2021 2020 Lease expense: Operating lease expense $ 46 $ 47 $ 49 Other expenses associated with operating leases 1 51 50 49 Total lease expense $ 97 $ 97 98 Related cash disbursements for operating leases $ 50 $ 50 $ 51 1 Other expenses primarily relate to property taxes and building and property maintenance. ROU assets related to new leases totaled $7 million and $1 million at December 31, 2022 and 2021, respectively. The following schedule presents the total contractual undiscounted lease payments for operating lease liabilities by expected due date for each of the next five years: (In millions) Total undiscounted lease payments 2023 $ 47 2024 39 2025 29 2026 24 2027 15 Thereafter 75 Total $ 229 We enter into certain lease agreements where we are the lessor of real estate. Real estate leases are made from bank-owned and subleased property to generate cash flow from the property, including from leasing vacant suites in which we occupy portions of the building. Operating lease income was $14 million , $13 million, and $12 million during 2022, 2021, and 2020, respectively. We originated equipment leases, considered to be sales-type leases or direct-financing leases, totaling $386 million and $327 million at December 31, 2022 and 2021, respectively. We recorded income of $12 million , $11 million, and $13 million on these leases during 2022, 2021, and 2020, respectively.

Premises, Equipment and Softwar

Premises, Equipment and Software	12 Months Ended
	Dec. 31, 2022
Property, Plant and Equipment [Abstract]
PREMISES, EQUIPMENT AND SOFTWARE, NET	PREMISES, EQUIPMENT, AND SOFTWARE Net premises, equipment, and software are summarized as follows: (In millions) December 31, 2022 2021 Land $ 264 $ 265 Buildings 943 868 Furniture and equipment 346 378 Leasehold improvements 151 168 Software 730 664 Total premises, equipment, and software 1 2,434 2,343 Less accumulated depreciation and amortization 1,026 1,024 Net book value $ 1,408 $ 1,319 1 The totals for 2022 and 2021 include $298 million and $348 million, respectively, of costs that have been capitalized, but are not yet depreciating because the respective assets have not been placed in service.

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	12 Months Ended
	Dec. 31, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND OTHER INTANGIBLE ASSETS	GOODWILL AND OTHER INTANGIBLE ASSETS Goodwill is recorded at fair value at the time of its acquisition and is subsequently evaluated for impairment annually as of October 1, or more frequently if events or circumstances indicate that impairment may exist. Based on the annual impairment evaluation conducted in 2022 and 2021, there was no goodwill impairment present in any of our operating segments. The following schedule presents the carrying amount of goodwill for our business segments with goodwill, as well as the balance of our core deposits and other intangible assets, net of related accumulated amortization: December 31, (In millions) 2022 2021 Goodwill: Amegy $ 615 $ 615 CB&T 379 379 Zions Bank 20 20 Nevada State Bank 13 — Total goodwill $ 1,027 $ 1,014 Core deposits and other intangibles, net of accumulated amortization 38 1 Total goodwill and intangibles $ 1,065 $ 1,015 The increase in goodwill is due to the NSB purchase of three Northern Nevada City National Bank branches and their associated deposit, credit card, and loan accounts in July 2022. The increase in other intangible assets was driven largely from an acquisition of intellectual property from one of our operating partners that offers compliance and other support services to pharmacies and healthcare providers.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2022
Deposits [Abstract]
DEPOSITS	DEPOSITS The following schedule presents our deposits by category: December 31, (Dollar amounts in millions) 2022 2021 Noninterest-bearing demand $ 35,777 $ 41,053 Interest-bearing: Savings and money market 33,566 40,114 Time 2,309 1,622 Total deposits $ 71,652 $ 82,789 At December 31, 2022, the aggregate amount of all time deposits by maturity were as follows: (In millions) Amount 2023 $ 2,038 2024 145 2025 64 2026 36 2027 25 Thereafter 1 Total $ 2,309 The scheduled maturities of time deposits that exceed $250,000 were as follows: (In millions) December 31, 2022 Three months or less $ 106 After three months through six months 87 After six months through twelve months 263 After twelve months 71 Total $ 527 Nonbrokered time deposits that meet or do not exceed the current Federal Deposit Insurance Corporation (“FDIC”) insurance limit of $250,000 were $1.8 billion and $1.0 billion at December 31, 2022 and 2021, respectively. Deposit overdrafts reclassified as loan balances were $21 million and $8 million at December 31, 2022 and 2021 , respectively.

Short-Term Borrowings

Short-Term Borrowings	12 Months Ended
	Dec. 31, 2022
Short-Term Debt [Abstract]
SHORT-TERM BORROWINGS	SHORT-TERM BORROWINGS The following schedule presents selected information for FHLB advances and other short-term borrowings: (Dollar amounts in millions) 2022 2021 Federal Home Loan Bank advances Average amount outstanding $ 1,257 $ — Average rate 3.67 % — % Highest month-end balance $ 7,100 $ — Year-end balance 7,100 — Average rate on outstanding advances at year-end 4.43 % — % Other short-term borrowings, year-end balances Federal funds purchased $ 232 $ 421 Security repurchase agreements 2,898 228 Securities sold, not yet purchased 187 254 Total federal funds and other short-term borrowings $ 10,417 $ 903 We may borrow from the FHLB under lines of credit that are secured by blanket pledge arrangements. We maintain unencumbered collateral with carrying amounts adjusted for the types of collateral pledged, equal to at least 100% of the outstanding advances. At December 31, 2022, the amount of collateral pledged and available for FHLB borrowings was approximately $9.4 billion . We may also borrow from the Federal Reserve based on the amount of collateral pledged. At December 31, 2022, the amount of collateral pledged and available for Federal Reserve borrowings was approximately $4.0 billion . Federal funds purchased and security repurchase agreements generally mature in less than 30 days. We execute overnight repurchase agreements with sweep accounts in conjunction with a master repurchase agreement. When this occurs, securities under our control are pledged and interest is paid on the collected balance of the customers’ accounts. For the nonsweep overnight and term repurchase agreements, securities are transferred to the applicable counterparty. In certain instances, the counterparty is contractually entitled to sell or repledge securities accepted as collateral. Of the total security repurchase agreements at December 31, 2022, nearly all were overnight term accounts.

Long-Term Debt

Long-Term Debt	12 Months Ended
	Dec. 31, 2022
Long-Term Debt, Unclassified [Abstract]
LONG-TERM DEBT	LONG-TERM DEBT Long-term debt is summarized as follows: December 31, (In millions) 2022 2021 Subordinated notes $ 519 $ 590 Senior notes 128 418 Finance lease obligations 4 4 Total $ 651 $ 1,012 The carrying values presented above include the par value of the debt, adjusted for any unamortized premium or discount, unamortized debt issuance costs, and fair value hedge basis adjustments. The overall decrease in long-term debt from the prior year was primarily due to the redemption of $290 million of senior notes during the first quarter of 2022. During 2020, we terminated two receive-fixed interest rate swaps designated as hedges on senior notes, resulting in one outstanding receive-fixed interest rate swap designated as a hedge on a $500 million subordinated note with an interest rate of 3.25% at December 31, 2022. The outstanding swap constitutes a qualifying fair value hedging relationship. The terminated interest rate swaps adjusted the carrying value of the notes and this adjustment is amortized into earnings until the original maturity date. See Note 7 for more information on derivatives designated as qualifying hedges. Subordinated Notes The following schedule presents our subordinated notes outstanding at December 31, 2022 : (Dollar amounts in millions) Subordinated notes Coupon rate Balance Par amount Maturity 6.95% $ 88 $ 88 September 2028 3.25% 431 500 October 2029 Total $ 519 $ 588 The 6.95% subordinated notes are unsecured, with interest payable quarterly; the earliest redemption date for these notes is September 15, 2023, after which the interest rate changes to an annual floating rate equal to 3mL+3.89%. The 3.25% subordinated notes are unsecured, interest is payable semi-annually, and the earliest redemption date is July 29, 2029. Senior Notes The following schedule presents our senior notes outstanding at December 31, 2022 : (Dollar amounts in millions) Senior notes Coupon rate Balance Par amount Maturity 4.50% $ 128 $ 128 June 2023 The senior notes are unsecured, with interest payable semi-annually. They were issued under a shelf registration filed with the Securities and Exchange Commission (“SEC”). In February 2022, we redeemed $290 million of the 4-year, 3.35% senior notes on the contractual call date one month prior to final maturity. Maturities of Long-term Debt The following schedule presents our long-term debt by maturity for each of the next five years: (In millions) Amount 1 2023 $ 128 2024 — 2025 — 2026 — 2027 — Thereafter 587 Total $ 715 1 Does not include basis adjustments related to terminated or active fair value hedges.

Shareholders' Equity

Shareholders' Equity	12 Months Ended
	Dec. 31, 2022
Equity [Abstract]
SHAREHOLDERS' EQUITY	SHAREHOLDERS’ EQUITY Preferred Stock We have 4.4 million authorized shares of preferred stock without par value and with a liquidation preference of $1,000 per share, or $25 per depositary share. Except for Series I and J, all preferred shares were issued in the form of depositary shares, with each depositary share representing a 1/40 th ownership interest in a share of the preferred stock. All preferred shares are registered with the SEC. In addition, Series A and G preferred shares are listed and traded on the NASDAQ Global Select Market. Preferred shareholders generally receive asset distributions before common shareholders; however, preferred shareholders have only limited voting rights. Preferred stock dividends reduce earnings applicable to common shareholders and are paid on the 15th day of the months indicated in the following schedule. Dividends are approved by the Board. The preferred shares are redeemable at our option after the expiration of any applicable redemption restrictions. The redemption amount is computed at the per share liquidation preference plus any declared but unpaid dividends. Redemptions are subject to certain regulatory provisions including satisfying well-capitalized minimum requirements. During the second quarter of 2021, we redeemed the outstanding shares of our 5.75% Series H Non-Cumulative Perpetual Preferred Stock at par value, resulting in a $126 million decrease of preferred stock. There were no additional fees or premium paid associated with the redemption. The following schedule summarizes key aspects of our preferred stock: (Dollar amounts in millions) Carrying value at Shares at Dividends payable Earliest Rate following earliest redemption date Dividends payable after rate change 2022 2021 Authorized Outstanding Rate (when applicable) Series A $ 67 $ 67 140,000 66,139 > of 4.0% or 3mL+0.52% Qtrly Mar, Jun, Sep, Dec Dec 15, 2011 Series G 138 138 200,000 138,390 6.3% Qtrly Mar, Jun, Sep, Dec Mar 15, 2023 annual float-ing rate = 3mL+4.24% Series I 99 99 300,893 98,555 5.8% Semi-annually Jun, Dec Jun 15, 2023 annual float-ing rate = 3mL+3.8% Qtrly Mar, Jun, Sep, Dec Series J 136 136 195,152 136,368 7.2% Semi-annually Mar, Sep Sep 15, 2023 annual float-ing rate = 3mL+4.44% Qtrly Mar, Jun, Sep, Dec Total $ 440 $ 440 Common Stock Our common stock is traded on the NASDAQ Global Select Market. At December 31, 2022 , there were 148.7 million shares of $0.001 par common stock outstanding. The balance of common stock and additional paid-in-capital was $1.8 billion at December 31, 2022 , and decreased $174 million , or 9% , primarily as a result of common stock repurchases. During 2022, we repurchased 3.6 million shares of common shares outstanding with a fair value of $200 million at an average price of $56.13 per share. During 2021, we repurchased 13.5 million shares of common shares outstanding with a fair value of $800 million at an average price of $59.27 per share. In February 2023, we repurchased 946,644 common shares outstanding for $50 million at an average price of $52.82. Accumulated Other Comprehensive Income AOCI decreased $3.0 billion to a loss of $3.1 billion at December 31, 2022, primarily due to the decline in the fair value of AFS securities as a result of increases in benchmark interest rates. During the fourth quarter of 2022, we transferred approximately $10.7 billion fair value ($13.1 billion amortized cost) of mortgage-backed AFS securities to the HTM category to reflect our intent for these securities. The amortized cost basis of these securities does not include $2.4 billion of unrealized losses in AOCI that is amortized over the life of the securities. The amortization of the unrealized losses reported in AOCI will offset the effect of the accretion of the discount in interest income that is created by adjusting the amortized cost basis to the securities’ fair value on the date of the transfer. Changes in AOCI by component are as follows: (In millions) Net unrealized gains (losses) on investment securities Net unrealized gains (losses) on derivatives and other Pension and post-retirement Total 2022 Balance at December 31, 2021 $ (78) $ — $ (2) $ (80) Other comprehensive loss before reclassifications, net of tax (2,722) (332) 1 (3,053) Amounts reclassified from AOCI, net of tax — 21 — 21 Other comprehensive loss (2,722) (311) 1 (3,032) Balance at December 31, 2022 $ (2,800) $ (311) $ (1) $ (3,112) Income tax benefit included in other comprehensive loss $ (888) $ (101) $ — $ (989) 2021 Balance at December 31, 2020 $ 258 $ 69 $ (2) $ 325 Other comprehensive loss before reclassifications, net of tax (336) (23) — (359) Amounts reclassified from AOCI, net of tax — (46) — (46) Other comprehensive loss (336) (69) — (405) Balance at December 31, 2021 $ (78) $ — $ (2) $ (80) Income tax benefit included in other comprehensive loss $ (109) $ (22) $ — $ (131) Statement of Income (SI) (In millions) Amounts reclassified from AOCI 1 Details about AOCI components 2022 2021 2020 Affected line item Net unrealized gains (losses) on derivative instruments $ (27) $ 61 $ 47 SI Interest and fees on loans Income tax expense (benefit) (6) 15 11 $ (21) $ 46 $ 36 Amortization of net actuarial loss 2 $ — $ — $ (28) SI Other noninterest expense Income tax expense (benefit) — — (7) $ — $ — $ (21) 1 Positive reclassification amounts indicate increases to earnings in the statement of income. 2 There was no amortization of net actuarial loss in 2021 and 2022 due to the termination of pension plan in 2020. Deferred Compensation Deferred compensation consists of invested assets, including our common stock, which are held in rabbi trusts for certain employees and directors. The cost of our common stock was approximately $14 million and $13 million at December 31, 2022 and 2021, respectively. We consolidate the rabbi trust assets and liabilities and include them in “Other assets” and “Other liabilities” on the consolidated balance sheet. At December 31, 2022 and 2021, total invested assets were approximately $114 million and $138 million, and total obligations were approximately $128 million and $151 million, respectively.

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2022
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
REGULATORY MATTERS	REGULATORY MATTERSWe are subject to various regulatory capital requirements administered by federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory — and possibly additional discretionary — actions by regulators that, if undertaken, could have a direct material effect on our financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, we must meet specific capital guidelines that involve quantitative measures of our assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. Required capital levels are also subject to judgmental review by regulators. At December 31, 2022 and 2021, we exceeded all capital adequacy requirements under the Basel III capital rules. Quantitative measures established by regulation to ensure capital adequacy require us to maintain minimum amounts and ratios of Total capital, Tier 1 capital (as defined in the regulations), and common equity Tier 1 (“CET1”) to risk-weighted assets, and Tier 1 capital to average assets (Tier 1 leverage ratio). “Well-capitalized” levels are also published as a guideline to evaluate capital positions. At December 31, 2022 and 2021, all of our capital ratios exceeded the “well-capitalized” levels under the regulatory framework for prompt corrective action. Dividends declared by us may not exceed specified criteria unless otherwise approved by our regulators. When determining dividends, we consider current and historical earning levels, retained earnings, and risk-based and other regulatory capital requirements and limitations. Our internal stress tests seek to comprehensively measure all risks to which we are exposed, the losses that could result from those risk exposures under adverse scenarios, and our resulting capital levels. These stress tests have both a qualitative and a quantitative component. The qualitative component evaluates our risk identification processes, stress risk modeling, policies, capital planning, governance processes, and other components of a capital adequacy process. The quantitative process subjects our balance sheet and other risk characteristics to stress testing by using our own models. Our capital amounts and ratios under Basel III at December 31, 2022 and 2021 are as follows: (Dollar amounts in millions) December 31, 2022 To be well-capitalized Amount Ratio Amount Ratio Basel III Regulatory Capital Amounts and Ratios Common equity tier 1 capital (to risk-weighted assets) $ 6,481 9.8 % $ 4,297 6.5 % Tier 1 capital (to risk-weighted assets) 6,921 10.5 5,289 8.0 Total capital (to risk-weighted assets) 8,077 12.2 6,611 10.0 Tier 1 leverage ratio 6,921 7.7 4,472 5.0 December 31, 2021 To be well-capitalized (Dollar amounts in millions) Amount Ratio Amount Ratio Basel III Regulatory Capital Amounts and Ratios Common equity tier 1 capital (to risk-weighted assets) $ 6,068 10.2 % $ 3,874 6.5 % Tier 1 capital (to risk-weighted assets) 6,508 10.9 4,768 8.0 Total capital (to risk-weighted assets) 7,652 12.8 5,960 10.0 Tier 1 leverage ratio 6,508 7.2 4,546 5.0 The Basel III capital rules require us to maintain certain minimum capital ratios, as well as a 2.5% “capital conservation buffer,” which is designed to absorb losses during periods of economic stress, composed entirely of CET1, and in excess of the minimum risk-based capital ratios. The following schedule presents the minimum capital ratios and capital conservation buffer requirements, compared with our capital ratios at December 31, 2022. December 31, 2022 Minimum capital requirement Capital conservation buffer Minimum capital ratio requirement with capital conservation buffer Current capital CET1 to risk-weighted assets 4.5 % 2.5 % 7.0 % 9.8 % Tier 1 capital (i.e., CET1 plus additional Tier 1 capital) to risk-weighted assets 6.0 2.5 8.5 10.5 Total capital (i.e., Tier 1 capital plus Tier 2 capital) to risk-weighted assets 8.0 2.5 10.5 12.2 Financial institutions with a ratio of CET1 to risk-weighted assets above the minimum but below the capital conservation buffer may face constraints on dividends, equity repurchases, and compensation based on the amount of the shortfall. Our internal triggers and limits under actual conditions and baseline projections are more restrictive than the capital conservation buffer requirements.

Commitments, Guarantees, Contin

Commitments, Guarantees, Contingent Liabilities, and Related Parties	12 Months Ended
	Dec. 31, 2022
Guarantees, Commitments And Contingencies [Abstract]
COMMITMENTS, GUARANTEES, CONTINGENT LIABILITIES, AND RELATED PARTIES	COMMITMENTS, GUARANTEES, CONTINGENT LIABILITIES, AND RELATED PARTIES Commitments and Guarantees We use certain financial instruments, including derivative instruments, in the normal course of business to meet the financing needs of our customers, to reduce our own exposure to fluctuations in interest rates, and to make a market in U.S. government, agency, corporate, and municipal securities. These financial instruments involve, to varying degrees, elements of credit, liquidity, and interest rate risk in excess of the amounts recognized in the balance sheet. See Notes 3 and 7 for more information on derivative instruments. Contractual amounts related to off-balance sheet financial instruments used to meet the financing needs of our customers are as follows: December 31, (In millions) 2022 2021 Unfunded lending commitments 1 $ 29,628 $ 25,797 Standby letters of credit: Financial 667 597 Performance 184 245 Commercial letters of credit 11 22 Mortgage-backed security purchase agreements 2 23 1 Total unfunded commitments $ 30,513 $ 26,662 1 Net of participations. 2 Represents agreements with Farmer Mac to purchase securities backed by certain agricultural mortgage loans. Loan commitments are agreements to lend to a customer subject to specified conditions. Commitments generally have fixed expiration dates or other termination clauses and may require the payment of a fee. The amount of collateral obtained, if deemed necessary by us upon extension of credit, is based on our initial credit evaluation of the counterparty. Types of collateral vary, but may include accounts receivable, inventory, property, plant and equipment, and income-producing properties. While making loan commitments creates credit risk, a significant portion of such commitments is expected to expire without being drawn upon. At December 31, 2022, we had $7.7 billion of commitments scheduled to expire in 2023. We use the same credit policies and procedures in making loan commitments and conditional obligations as we do for on-balance sheet instruments. These policies and procedures include credit approvals, limits, and ongoing monitoring. We issue standby and commercial letters of credit as conditional commitments generally to guarantee the performance of a customer to a third party. The guarantees are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing, and similar transactions. Standby letters of credit include commitments of $851 million expiring in 2023. The credit risk involved in issuing letters of credit is equivalent to the risk involved in extending credit to customers. We generally hold marketable securities and cash equivalents as collateral. Certain mortgage loans sold have limited recourse provisions for periods ranging from three months to one year. The amount of losses resulting from the exercise of these provisions has not been significant. Legal Matters We are subject to litigation in court and arbitral proceedings, as well as investigations, examinations and other actions brought or considered by governmental and self-regulatory agencies. Litigation may relate to lending, deposit and other customer relationships, vendor and contractual issues, employee matters, intellectual property matters, personal injuries and torts, regulatory and legal compliance, and other matters. While most matters relate to individual claims, we are also subject to putative class action claims and similar broader claims. Proceedings, investigations, examinations and other actions brought or considered by governmental and self-regulatory agencies may relate to our banking, investment advisory, trust, securities, and other products and services; our customers’ involvement in money laundering, fraud, securities violations and other illicit activities or our policies and practices relating to such customer activities; and our compliance with the broad range of banking, securities and other laws and regulations applicable to us. At any given time, we may be in the process of responding to subpoenas, requests for documents, data and testimony relating to such matters and engaging in discussions to resolve the matters. At December 31, 2022, we were subject to the following material litigation or governmental inquiries: • Two civil cases, Lifescan Inc. and Johnson & Johnson Health Care Services v. Jeffrey C. Smith, et. al. , brought against us in the United States District Court for the District of New Jersey in December 2017, and Roche Diagnostics and Roche Diabetes Care Inc. v. Jeffrey C. Smith, et. al. , brought against us in the United States District Court for the District of New Jersey in March 2019. In these cases, certain manufacturers and distributors of medical products seek to hold us liable for allegedly fraudulent practices of a borrower of the Bank who filed for bankruptcy protection in 2017. The cases are in early phases, with initial motion practice and discovery underway in the Lifescan case. Trial has not been scheduled in either case. • Five civil class action cases have been filed against us by the same plaintiffs’ attorney, seeking to hold the Bank liable for practices relating to, and disclosures in, its deposit agreement pertaining to fees. Four of the five cases have been dismissed, and the following case remains pending and is in early phases of litigation: Sipple v. Zions Bancorporation, N.A. , brought against us in the District Court of Clark County, Nevada in February 2021 with respect to foreign transaction fees. • In addition, two class action lawsuits, Evans v. CB&T, and Gregory, et. al. v. Zions Bancorporation , were settled in principle earlier in 2022. The settlement in the Evans case was completed in December 2022 and did not have a significant financial impact on the Bank. The parties to the Gregory case are undertaking the procedural and administrative actions, including court approvals of the settlement, necessary to complete the settlement. There can be no assurance that the proposed settlement will receive court approvals or that the conditions to settlement will be met. If completed, this settlement is not expected to have a significant financial impact on the Bank. At least quarterly, we review outstanding and new legal matters, utilizing then available information. In accordance with applicable accounting guidance, if we determine that a loss from a matter is probable and the amount of the loss can be reasonably estimated, we establish an accrual for the loss. In the absence of such a determination, no accrual is made. Once established, accruals are adjusted to reflect developments relating to the matters. In our review, we also assess whether we can determine the range of reasonably possible losses for significant matters in which we are unable to determine that the likelihood of a loss is remote. Because of the difficulty of predicting the outcome of legal matters, discussed subsequently, we are able to meaningfully estimate such a range only for a limited number of matters. Based on information available at December 31, 2022, we estimated that the aggregate range of reasonably possible losses for those matters to be from zero to approximately $5 million in excess of amounts accrued. The matters underlying the estimated range will change from time to time, and actual results may vary significantly from this estimate. Those matters for which a meaningful estimate is not possible are not included within this estimated range and, therefore, this estimated range does not represent our maximum loss exposure. Based on our current knowledge, we believe that our current estimated liability for litigation and other legal actions and claims, reflected in our accruals and determined in accordance with applicable accounting guidance, is adequate and that liabilities in excess of the amounts currently accrued, if any, arising from litigation and other legal actions and claims for which an estimate as previously described is possible, will not have a material impact on our financial condition, results of operations, or cash flows. However, in light of the significant uncertainties involved in these matters, and the very large or indeterminate damages sought in some of these matters, an adverse outcome in one or more of these matters could be material to our financial condition, results of operations, or cash flows for any given reporting period. Any estimate or determination relating to the future resolution of litigation, arbitration, governmental or self-regulatory examinations, investigations or actions or similar matters is inherently uncertain and involves significant judgment. This is particularly true in the early stages of a legal matter, when legal issues and facts have not been well articulated, reviewed, analyzed, and vetted through discovery, preparation for trial or hearings, substantive and productive mediation or settlement discussions, or other actions. It is also particularly true with respect to class action and similar claims involving multiple defendants, matters with complex procedural requirements or substantive issues or novel legal theories, and examinations, investigations and other actions conducted or brought by governmental and self-regulatory agencies, in which the normal adjudicative process is not applicable. Accordingly, we usually are unable to determine whether a favorable or unfavorable outcome is remote, reasonably likely, or probable, or to estimate the amount or range of a probable or reasonably likely loss, until relatively late in the course of a legal matter, sometimes not until a number of years have elapsed. Accordingly, our judgments and estimates relating to claims will change from time to time in light of developments, and actual outcomes will differ from our estimates. These differences may be material. Related Party Transactions We have no material related party transactions requiring disclosure. In the ordinary course of business, we extend credit to related parties, including executive officers, directors, principal shareholders, and their associates and related interests. These related party loans are made in compliance with applicable banking regulations.

Revenue Recognition

Revenue Recognition	12 Months Ended
	Dec. 31, 2022
Revenue Recognition and Deferred Revenue [Abstract]
REVENUE RECOGNITION	REVENUE RECOGNITION We derive our revenue primarily from interest income on loans and securities, which represented approximately 79% of our total revenue in 2022. Noninterest income and revenue from contracts with customers is recognized when control of the promised goods or services is transferred to our customers, in an amount that reflects the consideration we expect to be entitled to in exchange for those goods or services. We recognize the incremental cost of obtaining a contract as an expense, when incurred, if the amortization period of the asset that we would have recognized is one year or less. For performance obligations satisfied over time, if we have a right to consideration from a customer in an amount that corresponds directly with the value to the customer of our performance completed to date, we will generally recognize revenue in the amount to which we have a right to invoice. We do not generally disclose information about our remaining performance obligations for those performance obligations that have an original expected duration of one year or less, or where we recognize revenue in the amount to which we have a right to invoice. The following is a description of revenue from contracts with customers: Commercial Account Fees Commercial account fee income is comprised of account analysis fees, merchant fees, and payroll services income. Revenue is recognized as the services are rendered or upon completion of services. Card Fees Our card fee income includes interchange income from credit and debit cards, net fees earned from processing card transactions for merchants, and automated teller machine (“ATM”) services. Card income is recognized as earned. Reward program costs are recorded when the rewards are earned by the customer and presented as a reduction to interchange income. Retail and Business Banking Fees Retail and business banking fees typically consist of fees charged for providing customers with deposit services. These fees are primarily comprised of insufficient funds fees, noncustomer ATM charges, and other various fees on deposit accounts. Service charges on deposit accounts include fees earned in lieu of compensating balances, and fees earned for performing cash management services and other deposit account services. Service charges on deposit accounts in this revenue category are recognized over the period in which the related service is provided. Treasury Management fees are billed monthly based on services rendered for the month. Capital Markets and Foreign Exchange Fees Capital markets and foreign exchange fees primarily consist of municipal advisory services, customer swap fees, loan syndication fees, and foreign exchange services provided to customers. Revenue is recognized as the services are rendered or upon completion of services. Wealth Management Fees Wealth management fees are primarily comprised of wealth management commissions, but also are made up of other products such as portfolio services and advisory services. Revenue is recognized as the services are rendered or upon completion of services. Financial planning, fiduciary, and estate services typically have performance obligations that are greater than 12 months, although the amount of future performance obligations are not significant. Other Customer-related Fees Other customer-related fees generally consist of miscellaneous income sources, including fees associated with compliance and other support services to pharmacies and healthcare providers; corporate trust fees; other advisory and referral fees; and fees associated with claims and inventory management services for certain customers. Revenue is recognized as the services are rendered or upon completion of services. Disaggregation of Revenue The schedule below presents net revenue by our operating business segments. Certain prior period amounts have been reclassified to conform with the current period presentation, where applicable. These reclassifications did not affect net income or shareholders’ equity. Zions Bank CB&T Amegy (In millions) 2022 2021 2020 2022 2021 2020 2022 2021 2020 Commercial account fees $ 53 $ 46 $ 43 $ 28 $ 25 $ 23 $ 46 $ 40 $ 42 Card fees 55 58 50 20 17 13 33 29 24 Retail and business banking fees 22 22 21 12 12 11 16 15 15 Capital markets and foreign exchange fees — — (2) — — — — — — Wealth management fees 22 21 17 4 5 4 15 13 10 Other customer-related fees 8 7 7 6 4 5 7 6 7 Total noninterest income from contracts with customers (ASC 606) 160 154 136 70 63 56 117 103 98 Other noninterest income (non-ASC 606 customer-related) 19 21 23 34 34 36 40 36 34 Total customer-related noninterest income 179 175 159 104 97 92 157 139 132 Other noncustomer-related noninterest income 5 10 (1) 4 5 3 1 2 1 Total noninterest income 184 185 158 108 102 95 158 141 133 Other real estate owned gain from sale — — — — — 1 — — — Net interest income 741 633 650 595 536 512 513 462 485 Total net revenue $ 925 $ 818 $ 808 $ 703 $ 638 $ 608 $ 671 $ 603 $ 618 NBAZ NSB Vectra (In millions) 2022 2021 2020 2022 2021 2020 2022 2021 2020 Commercial account fees $ 9 $ 7 $ 7 $ 11 $ 9 $ 8 $ 8 $ 7 $ 6 Card fees 15 11 10 15 12 10 9 6 5 Retail and business banking fees 9 9 8 10 10 9 4 4 4 Capital markets and foreign exchange fees — — — — — — — — — Wealth management fees 3 3 2 5 4 3 1 2 1 Other customer-related fees 2 1 1 1 1 1 3 2 3 Total noninterest income from contracts with customers (ASC 606) 38 31 28 42 36 31 25 21 19 Other noninterest income (non-ASC 606 customer-related) 8 13 12 6 14 12 6 12 13 Total customer-related noninterest income 46 44 40 48 50 43 31 33 32 Other noncustomer-related noninterest income 2 2 1 — — — — — — Total noninterest income 48 46 41 48 50 43 31 33 32 Other real estate owned gain from sale — — — — — — — — — Net interest income 241 204 216 183 146 146 153 136 135 Total net revenue $ 289 $ 250 $ 257 $ 231 $ 196 $ 189 $ 184 $ 169 $ 167 TCBW Other Consolidated Bank (In millions) 2022 2021 2020 2022 2021 2020 2022 2021 2020 Commercial account fees $ 2 $ 2 $ 1 $ 2 $ 1 $ 2 $ 159 $ 137 $ 132 Card fees 2 1 1 — 1 — 149 135 113 Retail and business banking fees — — — — 1 — 73 73 68 Capital markets and foreign exchange fees — — — 4 6 7 4 6 5 Wealth management fees — — — 1 (2) 1 51 46 38 Other customer-related fees 1 1 1 31 30 21 59 52 46 Total noninterest income from contracts with customers (ASC 606) 5 4 3 38 37 31 495 449 402 Other noninterest income (non-ASC 606 customer-related) 2 2 2 4 (6) 15 119 126 147 Total customer-related noninterest income 7 6 5 42 31 46 614 575 549 Other noncustomer-related noninterest income — — — 6 109 21 18 128 25 Total noninterest income 7 6 5 48 140 67 632 703 574 Other real estate owned gain from sale — — — — — — — — 1 Net interest income 63 53 52 31 38 20 2,520 2,208 2,216 Total net revenue $ 70 $ 59 $ 57 $ 79 $ 178 $ 87 $ 3,152 $ 2,911 $ 2,791 Revenue from contracts with customers did not generate significant contract assets and liabilities. Contract receivables are included in “Other assets” on the consolidated balance sheet. Payment terms vary by services offered, and the timing between completion of performance obligations and payment is generally not significant.

Retirement Plans

Retirement Plans	12 Months Ended
	Dec. 31, 2022
Defined Benefit Plans and Other Postretirement Benefit Plans Disclosures [Abstract]
Retirement Plans	RETIREMENT PLANS Defined Benefit Plans Pension Plan — In June 2020, we terminated our pension plan and incurred a one-time $28 million expense, which was recognized in other noninterest expense. Supplemental Retirement Plans — These unfunded, nonqualified plans are for certain current and former employees. Each year, our contributions to these plans are made in amounts sufficient to meet benefit payments to plan participants. Our liability for these plans totaled approximately $10 million and $12 million at December 31, 2022, and 2021, respectively. Post-retirement Plan — This unfunded health care and life insurance plan provides post-retirement benefits to certain former full-time employees who meet minimum age and service requirements. Our contribution toward the retiree medical premium has been permanently frozen at an amount that does not increase in any future year. Each year, our contributions to the plan are made in amounts sufficient to meet the portion of the premiums that are our responsibility. Our liability for this plan was less than $1 million at December 31, 2022 and 2021. The liability for supplemental retirement and post-retirement benefits is included in “Other liabilities” on the consolidated balance sheet. Defined Contribution Plan We offer a 401(k) and employee stock ownership plan under which employees select from several investment alternatives. Employees can contribute up to 80% of their earnings subject to the annual maximum allowed contribution. We match 100% of the first 3% of employee contributions and 50% of the next 3% of employee contributions. Matching contributions to participants amounted to $33 million, $32 million, and $31 million in 2022 , 2021, and 2020 respectively. The 401(k) plan also has a noncontributory profit-sharing feature that is discretionary and may range from 0% to 3.5% of eligible compensation based upon our performance according to a formula approved annually by the Board. The profit-sharing expense was $19 million, $24 million, and $7 million in 2022 , 2021 , and 2020, respectively. The profit-sharing contribution to participants consisted of shares of our common stock purchased in the open market.

Share-Based Compensation

Share-Based Compensation	12 Months Ended
	Dec. 31, 2022
Share-Based Payment Arrangement [Abstract]
SHARE-BASED COMPENSATION	SHARE-BASED COMPENSATION We have a share-based compensation incentive plan that allows us to grant stock options, restricted stock, RSUs, and other awards to employees and nonemployee directors. Total shares authorized under the plan at December 31, 2022 were 4,300,000 , of which 3,683,780 were available for future grants. All share-based payments to employees, including grants of employee stock options, are recognized as compensation expense in the statement of income based on their grant date values with consideration of service and performance vesting requirements. The value of an equity award is estimated on the grant date using a fair value model without regard to service or performance vesting conditions, but does consider post-vesting restrictions. We classify all share-based awards as equity instruments. Compensation expense is included in salaries and employee benefits in the statement of income, and the corresponding equity effect is included in additional paid-in capital. We account for forfeitures of share-based compensation awards as they occur. Substantially all share-based awards of stock options, restricted stock, and RSUs have graded vesting that is recognized on a straight-line basis over the vesting period. The following schedule presents compensation expense and the related tax benefit for all share-based awards: (In millions) 2022 2021 2020 Compensation expense $ 30 $ 28 $ 26 Reduction of income tax expense 11 11 8 At December 31, 2022, compensation expense not yet recognized for nonvested share-based awards was approximately $31 million, which is expected to be recognized over a weighted average period of 2.4 years. Stock Options Stock options granted to employees generally vest at the rate of one third each year and expire seven years after the date of grant. For all stock options granted in 2022, 2021, and 2020, we used the Black-Scholes option pricing model to estimate the grant date value of stock options in determining compensation expense. The following summarizes the weighted average value at grant date and the significant assumptions used in applying the Black-Scholes model for options granted: 2022 2021 2020 Weighted average value for options granted $ 15.16 $ 7.86 $ 8.18 Weighted average assumptions used: Expected dividend yield 2.3 % 2.5 % 3.0 % Expected volatility 27.0 % 25.0 % 27.0 % Risk-free interest rate 1.98 % 0.47 % 1.38 % Expected life (in years) 5.0 5.0 5.0 The assumptions for expected dividend yield, expected volatility, and expected life reflect management’s judgment and include consideration of historical experience. Expected volatility is based in part on historical volatility. The risk-free interest rate is based on the U.S. Treasury yield curve in effect at the time of grant for periods corresponding with the expected life of the option. The following summarizes our stock option activity for the three years ended December 31, 2022: Number of shares Weighted average exercise price Balance at December 31, 2019 1,676,778 $ 34.77 Granted 320,913 45.61 Exercised (285,954) 26.48 Expired (22,685) 30.17 Forfeited (5,395) 51.34 Balance at December 31, 2020 1,683,657 38.26 Granted 345,636 48.65 Exercised (686,894) 31.08 Expired (7,910) 42.16 Forfeited (6,345) 48.04 Balance at December 31, 2021 1,328,144 44.60 Granted 201,932 73.02 Exercised (256,004) 36.79 Expired (8,912) 37.58 Forfeited (2,794) 57.75 Balance at December 31, 2022 1,262,366 50.75 Outstanding stock options exercisable as of: December 31, 2022 729,411 $ 46.02 December 31, 2021 693,883 41.54 December 31, 2020 1,137,596 33.42 We issue new authorized common shares for the exercise of stock options. The total intrinsic value of stock options exercised was approximately $7 million in 2022, $16 million in 2021, and $3 million in 2020. Cash received from the exercise of stock options was $8 million in 2022, $20 million in 2021, and $7 million in 2020. The following schedule presents additional selected information on stock options at December 31, 2022: Outstanding stock options Exercisable stock options Exercise price range Number of shares Weighted average exercise price Weighted average remaining contractual life (years) Number of shares Weighted average exercise price $4.15 to $19.99 5,223 $ 6.41 1 0 5,223 $ 6.41 $20.00 to $24.99 75,598 20.99 0.1 75,598 20.99 $25.00 to $29.99 452 29.12 4.8 226 29.12 $40.00 to $44.99 84,913 44.23 1.2 84,664 44.24 $45.00 to $49.99 585,877 47.30 4.6 254,209 46.77 $50.00 to $59.99 311,062 52.67 2.6 309,491 52.67 $60.00 to $73.22 199,241 73.19 6.1 — — 1,262,366 50.75 1 3.8 729,411 46.02 1 The weighted average remaining contractual life excludes 5,223 stock options without a fixed expiration date that were assumed with the Amegy acquisition. They expire between the date of termination and one year from the date of termination, depending upon certain circumstances. The aggregate intrinsic value of outstanding stock options at December 31, 2022 and 2021 was $4 million and $25 million, respectively, while the aggregate intrinsic value of exercisable options was $3 million and $15 million at the same respective dates. For exercisable options, the weighted average remaining contractual life was 2.8 years and 2.6 years at December 31, 2022 and 2021, respectively, excluding the stock options previously noted without a fixed expiration date. At December 31, 2022, 532,955 stock options with a weighted average exercise price of $57.23 , a weighted average remaining life of 5.2 years, and an aggregate intrinsic value of $490 thousand , were expected to vest. Restricted Stock and Restricted Stock Units Restricted stock is common stock with certain restrictions that relate to trading and the possibility of forfeiture. Generally, restricted stock vests over four years. Holders of restricted stock have full voting rights and receive dividend equivalents during the vesting period. In addition, holders of restricted stock can make an election to be subject to income tax on the grant date rather than the vesting date. RSUs represent rights to one share of common stock for each unit and generally vest over four years. Holders of RSUs receive dividend equivalents during the vesting period, but do not have voting rights. Compensation expense is determined based on the number of restricted shares or RSUs granted and the market price of our common stock at the issue date. During 2022, 2021, and 2020, we granted 16,722 , 16,938, and 28,992 RSUs, respectively, to nonemployee directors. The RSUs vested immediately upon grant. The following schedule summarizes our restricted stock activity for the three years ended December 31, 2022: Number of shares Weighted average fair value Nonvested restricted shares at December 31, 2019 50,457 $ 39.50 Issued 27,798 45.65 Vested (20,859) 34.77 Nonvested restricted shares at December 31, 2020 57,396 44.20 Issued 26,083 39.16 Vested (18,663) 43.89 Nonvested restricted shares at December 31, 2021 64,816 42.26 Issued 21,038 60.21 Vested (25,105) 42.66 Nonvested restricted shares at December 31, 2022 60,749 48.31 The following schedule summarizes our RSU activity for the three years ended December 31, 2022: Number of restricted stock units Weighted average fair value Restricted stock units at December 31, 2019 1,294,070 $ 43.59 Granted 586,302 42.75 Vested (593,375) 37.56 Forfeited (44,676) 47.78 Restricted stock units at December 31, 2020 1,242,321 46.31 Granted 578,056 47.02 Vested (505,690) 46.51 Forfeited (40,604) 47.97 Restricted stock units at December 31, 2021 1,274,083 46.49 Granted 433,674 68.07 Vested (504,358) 47.83 Forfeited (34,306) 56.58 Restricted stock units at December 31, 2022 1,169,093 53.62 The total value at grant date of restricted stock and RSUs vested during the year was $25 million in 2022, $24 million in 2021, and $23 million in 2020. At December 31, 2022, 60,749 shares of restricted stock and 775,833 RSUs were expected to vest with an aggregate intrinsic value of $3 million and $38 million , respectively.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2022
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES The following schedule presents the major components of our income tax expense: (In millions) 2022 2021 2020 Federal: Current $ 236 $ 230 $ 153 Deferred (38) 27 (47) Total Federal 198 257 106 State: Current 52 55 38 Deferred (5) 5 (11) Total State 47 60 27 Total income tax expense $ 245 $ 317 $ 133 Income tax expense computed at the statutory federal income tax rate of 21% reconciles to actual income tax expense as follows: (In millions) 2022 2021 2020 Income tax expense at statutory federal rate $ 242 $ 304 $ 141 State income taxes including credits, net 38 48 21 Other nondeductible expenses 13 8 8 Nontaxable income (40) (36) (32) Share-based compensation (4) (3) (1) Tax credits and other taxes (4) (4) (4) Total income tax expense $ 245 $ 317 $ 133 On the consolidated balance sheet, the net DTA is included in “Other assets.” The tax effects of temporary differences that give rise to significant portions of DTAs and DTLs are presented below: (In millions) December 31, 2022 2021 Gross deferred tax assets: Book loan loss deduction in excess of tax $ 157 $ 136 Pension and postretirement — 1 Deferred compensation 83 77 Security investments and derivative fair value adjustments 1,011 26 Lease liabilities 49 55 Capitalized costs 82 54 Other 29 30 Total deferred tax assets before valuation allowance 1,411 379 Valuation allowance — — Total deferred tax assets 1,411 379 Gross deferred tax liabilities: Premises and equipment, due to differences in depreciation (99) (88) Federal Home Loan Bank stock dividends (2) (2) Leasing operations (49) (44) Prepaid expenses (5) (8) Prepaid pension reserves (3) (6) Mortgage servicing (12) (10) Deferred loan costs (34) (30) ROU assets (44) (49) Qualified opportunity fund deferred gains (26) (26) Equity investments (9) (20) Total deferred tax liabilities (283) (283) Net deferred tax assets (liabilities) $ 1,128 $ 96 We have certain fixed-rate AFS securities whose fair value has declined due to increases in benchmark interest rates, resulting in large unrealized losses in the AFS portfolio and a significant DTA. The sale of these securities could result in significant realized losses, which would require future earnings to utilize the deferred tax assets. We have the ability and intent to hold these securities to recovery. We evaluate DTAs on a regular basis to determine whether a valuation allowance is required. In conducting this evaluation, we consider all available evidence, both positive and negative, based on the more-likely-than-not criteria that such assets will be realized. This evaluation includes, but is not limited to, the following: • Future reversals of existing DTLs — These DTLs have a reversal pattern generally consistent with DTAs, and are used to realize the DTAs. • Tax planning strategies — We have considered prudent and feasible tax planning strategies that we would implement to preserve the value of the DTAs, if necessary. • Future projected taxable income — We expect future taxable income will offset the reversal of remaining net DTAs. Based on this evaluation, we concluded that a valuation allowance was not required at December 31, 2022 and 2021. At December 31, 2022, the tax effect of remaining net operating loss and tax credit carryforwards was less than $1 million, expiring through 2039. We have a liability for unrecognized tax benefits relating to uncertain tax positions for tax credits on technology initiatives. The following schedule presents a rollforward of gross unrecognized tax benefits: (In millions) 2022 2021 2020 Balance at beginning of year $ 14 $ 11 $ 14 Tax positions related to current year: Additions 2 2 2 Tax positions related to prior years: Additions — 1 — Reductions (1) — (5) Lapses in statutes of limitations (2) — — Balance at end of year $ 13 $ 14 $ 11 At both December 31, 2022 and 2021, the liability for unrecognized tax benefits included approximately $12 million (net of the federal tax benefit on state taxes) that, if recognized, would affect the effective tax rate. The amount of gross unrecognized tax benefits related to tax credits on technology initiatives that may increase or decrease during the 12 months subsequent to December 31, 2022 is dependent on the timing and outcome of various ongoing federal and state examinations. For tax years not currently under examination, the gross unrecognized tax benefits on technology initiatives may decrease by approximately $5 million. Interest and penalties related to unrecognized tax benefits are included in income tax expense in the statement of income. At both December 31, 2022 and 2021, accrued interest and penalties recognized in the balance sheet, net of any federal and state tax benefits, totaled approximately $1 million. We file income tax returns in U.S. federal and various state jurisdictions, and we are no longer subject to income tax examinations for years prior to 2013 for federal and certain state returns.

Net Earnings Per Common Share

Net Earnings Per Common Share	12 Months Ended
	Dec. 31, 2022
Earnings Per Share [Abstract]
NET EARNINGS PER COMMON SHARE	NET EARNINGS PER COMMON SHARE Basic and diluted net earnings per common share based on the weighted average outstanding shares are summarized as follows: (In millions, except shares and per share amounts) 2022 2021 2020 Basic: Net income $ 907 $ 1,129 $ 539 Less common and preferred dividends 269 261 259 Less impact from redemption of preferred stock — 3 — Undistributed earnings 638 865 280 Less undistributed earnings applicable to nonvested shares 5 7 2 Undistributed earnings applicable to common shares 633 858 278 Distributed earnings applicable to common shares 237 230 223 Total earnings applicable to common shares $ 870 $ 1,088 $ 501 Weighted average common shares outstanding (in thousands) 150,064 159,913 163,737 Net earnings per common share $ 5.80 $ 6.80 $ 3.06 Diluted: Total earnings applicable to common shares $ 870 $ 1,088 $ 501 Weighted average common shares outstanding (in thousands) 150,064 159,913 163,737 Dilutive effect of common stock warrants (in thousands) — — 1,641 Dilutive effect of stock options (in thousands) 207 321 235 Weighted average diluted common shares outstanding (in thousands) 150,271 160,234 165,613 Net earnings per common share $ 5.79 $ 6.79 $ 3.02 The following schedule presents the weighted average stock awards that were anti-dilutive and not included in the calculation of diluted earnings per share. (In thousands) 2022 2021 2020 Restricted stock and restricted stock units $ 1,265 $ 1,374 $ 1,338 Stock options 178 74 889

Operating Segment Information

Operating Segment Information	12 Months Ended
	Dec. 31, 2022
Segment Reporting [Abstract]
OPERATING SEGMENT INFORMATION	OPERATING SEGMENT INFORMATION We manage our operations with a primary focus on geographic area. We conduct our operations primarily through seven separately managed affiliate banks, each with its own local branding and management team, including Zions Bank, Amegy Bank, California Bank & Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington. These affiliate banks comprise our primary business segments. Performance assessment and resource allocation are based upon this geographic structure. Our affiliate banks are supported by an enterprise operating segment (referred to as the “Other” segment) that provides governance and risk management, allocates capital, establishes strategic objectives, and includes centralized technology, back-office functions, and certain lines of business not operated through our affiliate banks. We allocate the cost of centrally provided services to the business segments based upon estimated or actual usage of those services. We also allocate capital based on the risk-weighted assets held at each business segment. We use an internal funds transfer pricing (“FTP”) allocation process to report results of operations for business segments. This process is subject to change and refinement over time. In the third quarter of 2020, we began allocating the net interest income associated with our Treasury department to the business segments. Historically, this amount was presented in the “Other” segment. Prior period amounts have been revised to reflect the impact of these changes had they been instituted for the periods presented. Total average loans and deposits presented for the business segments include insignificant intercompany amounts between business segments and may also include deposits with the “Other” segment. At December 31, 2022, Zions Bank operated 95 branches in Utah, 25 branches in Idaho, and one branch in Wyoming. CB&T operated 80 branches in California. Amegy operated 75 branches in Texas. NBAZ operated 56 branches in Arizona. NSB operated 46 branches in Nevada. Vectra operated 34 branches in Colorado and one branch in New Mexico. TCBW operated two branches in Washington and one branch in Oregon. In July 2022, NSB completed the purchase of three Northern Nevada City National Bank branches and their associated deposit, credit card, and loan accounts. We acquired approximately $430 million in deposits and $95 million in commercial and consumer loans at the time of the purchase. Transactions between business segments are primarily conducted at fair value, resulting in profits that are eliminated for reporting consolidated results of operations. The following schedule presents average loans, average deposits, and income before income taxes because we use these metrics when evaluating performance and making decisions pertaining to the business segments. The condensed statement of income identifies the components of income and expense which affect the operating amounts presented in the “Other” segment. The following schedule presents selected operating segment information: (In millions) Zions Bank CB&T Amegy 2022 2021 2020 2022 2021 2020 2022 2021 2020 SELECTED INCOME STATEMENT DATA Net interest income $ 741 $ 633 $ 650 $ 595 $ 536 $ 512 $ 513 $ 462 $ 485 Provision for credit losses 43 (26) 67 49 (78) 120 5 (96) 111 Net interest income after provision for credit losses 698 659 583 546 614 392 508 558 374 Noninterest income 184 185 158 108 102 95 158 141 133 Noninterest expense 495 464 446 340 311 305 355 337 329 Income (loss) before income taxes $ 387 $ 380 $ 295 $ 314 $ 405 $ 182 $ 311 $ 362 $ 178 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 13,277 $ 13,198 $ 13,845 $ 13,129 $ 12,892 $ 12,366 $ 12,110 $ 12,189 $ 13,114 Total average deposits 24,317 23,588 18,370 16,160 15,796 13,763 15,735 15,496 12,970 (In millions) NBAZ NSB Vectra 2022 2021 2020 2022 2021 2020 2022 2021 2020 SELECTED INCOME STATEMENT DATA Net interest income $ 241 $ 204 $ 216 $ 183 $ 146 $ 146 $ 153 $ 136 $ 135 Provision for credit losses 11 (27) 35 4 (35) 37 9 (12) 34 Net interest income after provision for credit losses 230 231 181 179 181 109 144 148 101 Noninterest income 48 46 41 48 50 43 31 33 32 Noninterest expense 167 151 147 151 142 141 120 114 109 Income (loss) before income taxes $ 111 $ 126 $ 75 $ 76 $ 89 $ 11 $ 55 $ 67 $ 24 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 4,911 $ 4,849 $ 5,099 $ 2,987 $ 3,015 $ 3,102 $ 3,632 $ 3,414 $ 3,401 Total average deposits 8,035 7,288 5,771 7,436 6,691 5,427 4,109 4,386 3,637 (In millions) TCBW Other Consolidated Bank 2022 2021 2020 2022 2021 2020 2022 2021 2020 SELECTED INCOME STATEMENT DATA Net interest income $ 63 $ 53 $ 52 $ 31 $ 38 $ 20 $ 2,520 $ 2,208 $ 2,216 Provision for credit losses 1 (3) 7 — 1 3 122 (276) 414 Net interest income after provision for credit losses 62 56 45 31 37 17 2,398 2,484 1,802 Noninterest income 7 6 5 48 140 67 632 703 574 Noninterest expense 24 21 22 226 201 205 1,878 1,741 1,704 Income (loss) before income taxes $ 45 $ 41 $ 28 $ (147) $ (24) $ (121) $ 1,152 $ 1,446 $ 672 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 1,630 $ 1,569 $ 1,460 $ 922 $ 857 $ 629 $ 52,598 $ 51,983 $ 53,016 Total average deposits 1,571 1,537 1,256 1,166 1,475 2,495 78,529 76,257 63,689

Quarterly Financial Information

Quarterly Financial Information (Unaudited)	12 Months Ended
	Dec. 31, 2022
Quarterly Financial Information Disclosure [Abstract]
Quarterly Financial Information (Unaudited)	QUARTERLY FINANCIAL INFORMATION (UNAUDITED) Quarterly financial information for 2022 and 2021 is presented below. Prior period amounts have been reclassified to conform with the current year presentation, where applicable. These reclassifications did not affect net income. See related discussion in Note 1. (In millions, except per share amounts) Fourth Quarter Third Quarter Second Quarter First Quarter 2022 Total interest income $ 835 $ 707 $ 608 $ 555 Net interest income 720 663 593 544 Provision for credit losses 43 71 41 (33) Noninterest income 153 165 172 142 Noninterest expense 471 479 464 464 Income before income taxes 359 278 260 255 Net income 284 217 203 203 Preferred stock dividends 7 6 8 8 Net earnings applicable to common shareholders 277 211 195 195 Net earnings per common share: Basic 1.84 1.40 1.29 1.27 Diluted 1.84 1.40 1.29 1.27 2021 Total interest income $ 566 $ 569 $ 570 $ 562 Net interest income 553 555 555 545 Provision for credit losses 25 (46) (123) (132) Noninterest income 190 139 205 169 Noninterest expense 449 429 428 435 Income before income taxes 269 311 455 411 Net income 213 240 354 322 Preferred stock dividends 6 6 9 8 Net earnings applicable to common shareholders 207 234 345 314 Net earnings per common share: Basic 1.34 1.45 2.08 1.90 Diluted 1.34 1.45 2.08 1.90

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policy)	12 Months Ended
	Dec. 31, 2022
Accounting Policies [Abstract]
Basis of Financial Statement Presentation and Principles of Consolidation	Basis of Financial Statement Presentation and Principles of Consolidation The consolidated financial statements include our accounts and those of our majority-owned, consolidated subsidiaries. Unconsolidated investments where we have the ability to exercise significant influence over the operating and financial policies of the respective investee are accounted for using the equity method of accounting. All intercompany accounts and transactions have been eliminated in consolidation. Assets held in an agency or fiduciary capacity are not included in the consolidated financial statements. The consolidated financial statements have been prepared in accordance with United States (“U.S.”) generally accepted accounting principles (“GAAP”) and prevailing practices within the financial services industry. References to GAAP, including standards promulgated by the Financial Accounting Standards Board (“FASB”), are made according to sections of the Accounting Standards Codification (“ASC”).
Reclassification Policy	Prior year amounts have been reclassified to conform with the current year presentation, where applicable. These reclassifications did not affect net income or shareholders’ equity.Effective for the first quarter of 2022, we made certain financial reporting changes and reclassifications to noninterest expense in our Consolidated Statements of Income. These financial reporting changes were made primarily to improve the presentation and disclosure of certain expenses related to our ongoing technology initiatives. Other noninterest expense line items were impacted by these changes and reclassifications. These changes and reclassifications (1) were adopted retrospectively to January 1, 2020, (2) reflect changes only to noninterest expense in the Consolidated Statements of Income, and (3) do not impact net income, net interest income, or noninterest income.
Subsequent Events	Subsequent Events We evaluated events that occurred between December 31, 2022 and the date the accompanying financial statements were issued, and determined that there were no material events that would require adjustments to our consolidated financial statements or significant disclosure in the accompanying Notes.
Variable Interest Entities	Variable Interest EntitiesA variable interest entity (“VIE”) is consolidated when we are the primary beneficiary of the VIE. Current accounting guidance requires continuous analysis to determine the primary beneficiary of a VIE. At the commencement of our involvement, and periodically thereafter, we consider our consolidation conclusions for all entities with which we are involved.
Statement of Cash Flows	Statement of Cash Flows For purposes of presentation in the consolidated statements of cash flows, “cash and cash equivalents” are defined as those amounts included in cash and due from banks in the consolidated balance sheets.
Fair Value Estimates	Fair Value EstimatesWe measure many of our assets and liabilities on a fair value basis. Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. To improve consistency and comparability in fair value measurements, GAAP has established a hierarchy to prioritize the valuation inputs among three levels. We prioritize quoted prices in active markets and minimize reliance on unobservable inputs when possible. When observable market prices are not available, fair value is estimated using modeling techniques requiring professional judgment to estimate the appropriate fair value. These valuation techniques use assumptions that market participants would consider in pricing the asset or the liability. Changes in market conditions may reduce the availability of quoted prices or observable data. Fair Value Measurement Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. To measure fair value, a hierarchy has been established that requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs. This hierarchy uses the following three levels of inputs to measure the fair value of assets and liabilities: Level 1 — Quoted prices in active markets for identical assets or liabilities that we have the ability to access; Level 2 — Observable inputs other than Level 1, including quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in less active markets, observable inputs other than quoted prices that are used in the valuation of an asset or liability, and inputs that are derived principally from or corroborated by observable market data by correlation or other means; and Level 3 — Unobservable inputs supported by little or no market activity for financial instruments whose value is determined by pricing models, discounted cash flow methodologies or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. The level in the fair value hierarchy within which the fair value measurement is classified is determined based on the lowest level input that is significant to the fair value measurement in its entirety. Market activity is presumed to be orderly in the absence of evidence of forced or disorderly sales. Applicable accounting guidance precludes the use of blockage factors or liquidity adjustments due to the quantity of securities held by an entity. We measure certain assets and liabilities at fair value on a recurring basis when fair value is the primary measure for accounting. Fair value is used on a nonrecurring basis to measure certain assets, such as the application of lower of cost or fair value accounting and the recognition of impairment on assets. Fair value is also used when providing required disclosures for certain financial instruments. Fair Value Policies and Procedures We have various policies, processes, and controls in place to ensure that fair values are reasonably developed, reviewed, and approved for use. These include a Securities Valuation Committee, comprised of executive management, that reviews and approves on a quarterly basis the key components of fair value measurements, including critical valuation assumptions for Level 3 measurements. Our Model Risk Management Group conducts model validations, including internal models, and sets policies and procedures for revalidation, including the timing of revalidation. Third-party Service Providers We use a third-party pricing service to measure fair value for substantially all of our Level 2 AFS securities. Fair value measurements for other Level 2 AFS securities generally use inputs corroborated by market data and include standard discounted cash flow analysis. For Level 2 securities, the third-party pricing service provides documentation on an ongoing basis that presents market data, including detailed pricing information and market reference data. The documentation includes benchmark yields, reported trades, broker-dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, and reference data, including information from the vendor trading platform. We review, test, and validate this information on a regular basis. The following describes the hierarchy designations, valuation methodologies and key inputs to measure fair value on a recurring basis for designated financial instruments: Available-for-Sale • U.S. Treasury, Agencies and Corporations — U.S. Treasury securities measured using quoted market prices are classified in Level 1. U.S. agency and corporate securities measured using observable market inputs are classified in Level 2. • Municipal Securities — Municipal securities are measured using observable market inputs and are classified in Level 2. • Other Debt Securities — Other debt securities are measured using quoted prices for similar securities and are classified in Level 2. Trading Trading securities are measured using observable market inputs and are classified in Level 1 and Level 2. Bank-owned Life Insurance BOLI is measured according to the cash surrender value (“CSV”) of the insurance policies. Nearly all policies are general account policies with CSVs based on our claims on the assets of the insurance companies. The insurance companies’ investments include predominantly fixed-income securities consisting of investment-grade corporate bonds and various types of mortgage instruments. Management regularly reviews its BOLI investment performance, including concentrations among insurance providers and classifies BOLI balances in Level 2. Private Equity Investments PEIs carried at fair value on a recurring basis are generally classified in Level 3 because related measurements include unobservable inputs. Key assumptions and considerations include current and projected financial performance, recent financing activities, economic and market conditions, market comparable companies, market liquidity, and other factors. The majority of these PEIs are held in our Small Business Investment Company (“SBIC”) and are early-stage venture investments. These investments are reviewed at least quarterly by the Securities Valuation Committee and whenever a new round of financing occurs. Certain of these investments may be measured using multiples of operating performance. The Equity Investments Committee reviews periodic financial information for these investments, including audited financial statements when available. On occasion, PEIs may become publicly traded and are measured in Level 1. Certain restrictions apply for the redemption of these investments. See additional discussions in Note 5. Agriculture Loan Servicing We service agriculture loans approved and funded by Federal Agricultural Mortgage Corporation (“FAMC”), and provide this servicing under an agreement with FAMC for the loans it owns. The servicing assets are measured at fair value, which represents our projection of the present value of future cash flows. Because related measurements include unobservable inputs, these assets are classified in Level 3. Interest-only Strips Interest-only strips are created as a by-product of securitizing U.S. Small Business Administration (“SBA”) loan pools. When the guaranteed portions of SBA 7(a) loans are pooled, interest-only strips may be created in the pooling process. The asset’s fair value is measured using discounted cash flow methodologies that incorporate unobservable inputs, and therefore are classified in Level 3. Deferred Compensation Plan Assets Invested assets in the deferred compensation plan consist of shares of registered investment companies. These mutual funds are valued using quoted market prices, which represents the net asset value (“NAV”) of shares held by the plan at the end of the period. As such, these assets are classified in Level 1. Derivatives Exchange-traded derivatives, including foreign currency exchange contracts, are generally classified in Level 1 because they are traded in active markets. Over-the-counter derivatives, consisting primarily of interest rate swaps and options, are generally classified in Level 2 as the related fair values are obtained from third-party services that utilize observable market inputs. Observable market inputs include yield curves, foreign exchange rates, commodity prices, option volatility, counterparty credit risk, and other related data. Valuations include credit valuation adjustments (“CVAs”) to reflect nonperformance risk for both us and our counterparties. CVAs are determined generally by applying a credit spread to the total expected exposure (net of any collateral) of the derivative. Securities Sold, Not Yet Purchased Securities sold, not yet purchased, included in “Federal funds and other short-term borrowings” on the consolidated balance sheet, are measured using quoted market prices and are generally classified in Level 1. If market prices for identical securities are not available, quoted prices for similar securities are used with the related balances classified in Level 2.
Securities Purchased Under Agreements to Resell	Securities Purchased Under Agreements to ResellSecurities purchased under agreements to resell represent overnight and term agreements with the majority maturing within 30 days. These agreements are generally treated as collateralized financing transactions and are carried at amounts at which the securities were acquired plus accrued interest. Either we, or in some instances third parties on our behalf, take possession of the underlying securities. The fair value of such securities is monitored throughout the contract term to ensure that asset values remain sufficient to protect against counterparty default. We are permitted by contract to sell or repledge certain securities that we accept as collateral for securities purchased under agreements to resell. If sold, our obligation to return the collateral is recorded as “securities sold, not yet purchased” and included as a liability in “Federal funds and other short-term borrowings.”
Investment Securities	Investment Securities We classify our investment securities according to their purpose and holding period. Gains or losses on the sale of securities are recognized using the specific identification method and recorded in noninterest income. Held-to-maturity (“HTM”) debt securities are carried at amortized cost with purchase discounts or premiums accreted or amortized into interest income over the contractual life of the security. We have the intent and ability to hold such securities until maturity. For HTM securities, the allowance for credit losses (“ACL”) is assessed consistent with the approach described in Note 6 for loans carried at amortized cost. Available-for-sale (“AFS”) securities are measured at fair value and generally consist of debt securities held for investment. Unrealized gains and losses of AFS securities, after applicable taxes, are recorded as a component of other comprehensive income (“OCI”). AFS securities in an unrealized loss position are formally reviewed on a quarterly basis for the presence of credit impairment. If we have the intent to sell an identified security, or it is more likely than not we will be required to sell the security before recovery of its amortized cost basis, we write the amortized cost down to the security's fair value at the reporting date through earnings. If we have the intent and ability to hold the securities, they are analyzed to determine whether any impairment was attributable to credit-related factors. If a credit impairment is determined to exist, then we measure the amount of credit loss and recognize an allowance for the credit loss. The process, methodology, and factors considered to evaluate securities for impairment are described further in Note 5. Transfers of debt securities into the HTM category from the AFS category are made at fair value at the transfer date. Any unrealized holding gains or losses at the transfer date are retained in other comprehensive income (loss) and in the carrying value of the HTM securities. Such amounts are amortized over the remaining life of the security. Investment Securities Investment securities are classified as HTM, AFS, or trading. HTM securities, which management has the intent and ability to hold until maturity, are carried at amortized cost. The amortized cost amounts represent the original cost of the investments, adjusted for related amortization or accretion of any purchase premiums or discounts, and for any impairment losses, including credit-related impairment. When a security is transferred from AFS to HTM, the difference between its amortized cost basis and fair value at the date of transfer is amortized as a yield adjustment through interest income, and the fair value at the date of transfer, adjusted for subsequent amortization, becomes the security’s amortized cost basis. The amortization of the unrealized losses reported in accumulated other comprehensive income (“AOCI”) will offset the effect of the accretion of the discount in interest income that is created by adjusting the amortized cost basis to the securities’ fair value on the date of the transfer. AFS securities are carried at fair value, and changes in fair value (unrealized gains and losses) are reported as net increases or decreases to AOCI, net of related taxes. Trading securities are carried at fair value with gains and losses recognized in current period earnings. The carrying values of our securities do not include accrued interest receivables of $75 million and $65 million at December 31, 2022, and 2021, respectively. These receivables are presented on the consolidated balance sheet in “Other assets.”
Leases	LeasesAll leases with lease terms greater than twelve months are reported as a lease liability with a corresponding right-of-use (“ROU”) asset. We present ROU assets for operating leases and finance leases on the consolidated balance sheet in “Other assets,” and “Premises, equipment and software, net,” respectively. The corresponding liabilities for those leases are presented in “Other liabilities,” and “Long-term debt.”
Loans	Loans Loans are reported at their amortized cost basis, which includes the principal amount outstanding, net of unamortized purchase premiums, discounts, and deferred loan fees and costs, which are amortized into interest income over the life of the loan using the interest method. At the time of origination, we determine whether loans will be held for investment or held for sale. We may subsequently change our intent for a loan or group of loans and reclassify them accordingly. Loans held for sale are carried at the lower of aggregate cost or fair value. A valuation allowance is recorded when cost exceeds fair value based on reviews at the time of reclassification and periodically thereafter. Gains and losses are recorded in “Loan-related fees and income” in noninterest income based on the difference between sales proceeds and carrying value. We evaluate loans throughout their lives for signs of credit deterioration, which may impact the loan status, risk- grading, and potentially impact the accounting for that loan. Loan status categories include past due as to contractual payments, accruing or nonaccruing, and restructured, including troubled debt restructurings (“TDRs”), which will no longer be designated after the adoption of ASU 2022-02, Financial Instruments--Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures , beginning January 1, 2023 as discussed in Note 2. Our accounting policies for loans and our estimation of the related ACL are described further in Note 6. In the ordinary course of business, we may syndicate portions of loans or transfer portions of loans under participation agreements to manage credit risk and our portfolio concentration. We evaluate the loan participations to determine if they meet the appropriate accounting guidance to qualify as sales. Certain purchased loans require separate accounting procedures that are also described in Note 6. Allowance for Credit Losses The ACL, which consists of the allowance for loan and lease losses (“ALLL”) and the reserve for unfunded lending commitments (“RULC”), represents our estimate of current expected credit losses related to the loan and lease portfolio and unfunded lending commitments as of the balance sheet date. The ACL for debt securities is estimated separately from loans. See Note 6 for further discussion of our estimation process for the ACL.
Other Noninterest-bearing Investments	Other Noninterest-bearing Investments These investments include private equity investments (“PEIs”), venture capital securities, securities acquired for various debt and regulatory requirements, bank-owned life insurance (“BOLI”), and certain other noninterest-bearing investments. See further discussion in Note 3. Certain PEIs and venture capital securities are accounted for under the equity method when we are able to exercise significant influence over the operating and financial policies of the investee. Equity investments in PEIs that do not give us significant influence are reported at fair value, unless there is not a readily determinable fair value. We have elected to measure PEIs without readily determinable fair values at cost less impairment (if any), plus or minus observable price changes from an identical or similar investment of the same issuer, referred to as the “measurement alternative.” Periodic reviews are conducted for impairment by comparing carrying values with estimates of fair value. Changes in fair value, impairment losses, and gains and losses from sales are recognized in the “Securities gains and losses, net” line item in noninterest income. BOLI is accounted for at fair value based on the cash surrender values (“CSVs”) of the general account insurance policies.
Premises, Equipment, and Software	Premises, Equipment, and Software Premises, equipment, and software are reported at cost, net of accumulated depreciation and amortization. Depreciation, computed primarily on the straight-line method, is charged to operations over the estimated useful lives of the properties, generally 25 to 40 years for buildings, three three to 10 years for software, including capitalized costs related to our technology initiatives. Leasehold improvements are amortized over the terms of the respective leases (including any extension options that are reasonably certain to be exercised) or the estimated useful lives of the improvements, whichever is shorter. Premises, equipment, and software are evaluated for impairment on a periodic basis.
Goodwill and Intangible Assets	Goodwill and Intangible Assets Goodwill is recorded at fair value at the time of its acquisition and is subsequently evaluated for impairment annually, or more frequently if conditions warrant.
Business Combinations	Business Combinations Business combinations are accounted for under the acquisition method of accounting. Upon initially obtaining control, we recognize 100% of all acquired assets and all assumed liabilities, regardless of the percentage owned. The assets and liabilities are recorded at their estimated fair values, with goodwill being recorded when such fair values are less than the cost of acquisition. Certain transaction and restructuring costs are expensed as incurred. Changes to estimated fair values from a business combination are recognized as an adjustment to goodwill over the measurement period, which cannot exceed one year from the acquisition date. Results of operations of acquired businesses are included in our statement of income from the date of acquisition.
Other Real Estate Owned	Other Real Estate Owned Other real estate owned (“OREO”) consists primarily of commercial and residential real estate acquired in partial or total satisfaction of loan obligations. Amounts are recorded initially at fair value (less estimated selling costs) based on recent property appraisals at the time of transfer and subsequently at the lower of cost or fair value (less estimated selling costs).
Derivative Instruments	Derivative Instruments We use derivative instruments such as swaps and purchased and sold options as an important tool used in managing our overall asset and liability sensitivities to remain within our stated interest rate risk thresholds. Their use allows us to adjust and align our mix of fixed- and floating-rate assets and liabilities to manage interest income volatility by synthetically converting variable-rate assets to fixed-rate, or synthetically converting fixed-rate funding instruments to floating rates. We also execute both interest rate and short-term foreign currency derivative instruments with our commercial banking customers to facilitate their risk management objectives. These derivatives are hedged by entering into offsetting derivatives with third parties such that we minimize our net risk exposure as a result of such transactions. We record all derivatives at fair value, and they are included on the consolidated balance sheet in “Other assets” or “Other liabilities.”
Derivatives Designated in Qualifying Hedging Relationships	Derivatives Designated in Qualifying Hedging RelationshipsWe apply hedge accounting to certain derivatives executed for risk management purposes, primarily interest rate risk. To qualify for hedge accounting, a derivative must be highly effective at reducing the risk associated with the exposure being hedged and the hedging relationship must be formally documented. We primarily use regression analysis to assess the effectiveness of each hedging relationship, unless the hedge qualifies for other methods of assessing effectiveness (e.g., shortcut or critical terms match), both at inception and on an ongoing basis. We designate derivatives as fair value and cash flow hedges for accounting purposes.
Commitments and Letters of Credit	Commitments and Letters of Credit In the ordinary course of business, we enter into loan commitments, commercial letters of credit, and standby letters of credit. Such financial instruments are recorded in the financial statements when they are funded. The credit risk associated with these commitments is evaluated in a manner similar to the ALLL. The RULC is presented separately on the consolidated balance sheet in “Other liabilities.”
Revenue Recognition	Revenue RecognitionRevenue from contracts with customers is recognized when control of the promised goods or services is transferred to our customers, in an amount that reflects the consideration we expect to be entitled to in exchange for those goods or services.
Share-based Compensation	Share-based CompensationShare-based compensation generally includes grants of stock options, restricted stock, restricted stock units (“RSUs”), and other awards to employees and nonemployee directors. We recognize compensation expense in the statement of income based on the grant-date value of the associated share-based awards.
Income Taxes	Income TaxesDeferred tax assets (“DTAs”) and deferred tax liabilities (“DTLs”) are determined based on temporary differences between financial statement asset and liability amounts and their respective tax basis, and are measured using enacted tax laws and rates. The effect of a change in tax rates on DTAs and DTLs is recognized into income in the period that includes the enactment date. DTAs are recognized insofar that management deems it more likely than not that they will be realized. Unrecognized tax benefits for uncertain tax positions primarily relate to tax credits on technology initiatives.
Net Earnings Per Common Share	Net Earnings Per Common ShareNet earnings per common share is based on net earnings applicable to common shareholders, which is net of preferred stock dividends. Basic net earnings per common share is based on the weighted average outstanding common shares during each year. Unvested share-based awards with rights to receive nonforfeitable dividends are considered participating securities and are included in the computation of basic earnings per share. Diluted net earnings per common share is based on the weighted average outstanding common shares during each year, including common stock equivalents. Stock options, restricted stock, RSUs, and stock warrants are converted to common stock equivalents using the more dilutive of the treasury stock method or the two-class method. Diluted net earnings per common share excludes common stock equivalents whose effect is antidilutive.
Fair Value Measurement	Fair Value EstimatesWe measure many of our assets and liabilities on a fair value basis. Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. To improve consistency and comparability in fair value measurements, GAAP has established a hierarchy to prioritize the valuation inputs among three levels. We prioritize quoted prices in active markets and minimize reliance on unobservable inputs when possible. When observable market prices are not available, fair value is estimated using modeling techniques requiring professional judgment to estimate the appropriate fair value. These valuation techniques use assumptions that market participants would consider in pricing the asset or the liability. Changes in market conditions may reduce the availability of quoted prices or observable data. Fair Value Measurement Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. To measure fair value, a hierarchy has been established that requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs. This hierarchy uses the following three levels of inputs to measure the fair value of assets and liabilities: Level 1 — Quoted prices in active markets for identical assets or liabilities that we have the ability to access; Level 2 — Observable inputs other than Level 1, including quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in less active markets, observable inputs other than quoted prices that are used in the valuation of an asset or liability, and inputs that are derived principally from or corroborated by observable market data by correlation or other means; and Level 3 — Unobservable inputs supported by little or no market activity for financial instruments whose value is determined by pricing models, discounted cash flow methodologies or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. The level in the fair value hierarchy within which the fair value measurement is classified is determined based on the lowest level input that is significant to the fair value measurement in its entirety. Market activity is presumed to be orderly in the absence of evidence of forced or disorderly sales. Applicable accounting guidance precludes the use of blockage factors or liquidity adjustments due to the quantity of securities held by an entity. We measure certain assets and liabilities at fair value on a recurring basis when fair value is the primary measure for accounting. Fair value is used on a nonrecurring basis to measure certain assets, such as the application of lower of cost or fair value accounting and the recognition of impairment on assets. Fair value is also used when providing required disclosures for certain financial instruments. Fair Value Policies and Procedures We have various policies, processes, and controls in place to ensure that fair values are reasonably developed, reviewed, and approved for use. These include a Securities Valuation Committee, comprised of executive management, that reviews and approves on a quarterly basis the key components of fair value measurements, including critical valuation assumptions for Level 3 measurements. Our Model Risk Management Group conducts model validations, including internal models, and sets policies and procedures for revalidation, including the timing of revalidation. Third-party Service Providers We use a third-party pricing service to measure fair value for substantially all of our Level 2 AFS securities. Fair value measurements for other Level 2 AFS securities generally use inputs corroborated by market data and include standard discounted cash flow analysis. For Level 2 securities, the third-party pricing service provides documentation on an ongoing basis that presents market data, including detailed pricing information and market reference data. The documentation includes benchmark yields, reported trades, broker-dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, and reference data, including information from the vendor trading platform. We review, test, and validate this information on a regular basis. The following describes the hierarchy designations, valuation methodologies and key inputs to measure fair value on a recurring basis for designated financial instruments: Available-for-Sale • U.S. Treasury, Agencies and Corporations — U.S. Treasury securities measured using quoted market prices are classified in Level 1. U.S. agency and corporate securities measured using observable market inputs are classified in Level 2. • Municipal Securities — Municipal securities are measured using observable market inputs and are classified in Level 2. • Other Debt Securities — Other debt securities are measured using quoted prices for similar securities and are classified in Level 2. Trading Trading securities are measured using observable market inputs and are classified in Level 1 and Level 2. Bank-owned Life Insurance BOLI is measured according to the cash surrender value (“CSV”) of the insurance policies. Nearly all policies are general account policies with CSVs based on our claims on the assets of the insurance companies. The insurance companies’ investments include predominantly fixed-income securities consisting of investment-grade corporate bonds and various types of mortgage instruments. Management regularly reviews its BOLI investment performance, including concentrations among insurance providers and classifies BOLI balances in Level 2. Private Equity Investments PEIs carried at fair value on a recurring basis are generally classified in Level 3 because related measurements include unobservable inputs. Key assumptions and considerations include current and projected financial performance, recent financing activities, economic and market conditions, market comparable companies, market liquidity, and other factors. The majority of these PEIs are held in our Small Business Investment Company (“SBIC”) and are early-stage venture investments. These investments are reviewed at least quarterly by the Securities Valuation Committee and whenever a new round of financing occurs. Certain of these investments may be measured using multiples of operating performance. The Equity Investments Committee reviews periodic financial information for these investments, including audited financial statements when available. On occasion, PEIs may become publicly traded and are measured in Level 1. Certain restrictions apply for the redemption of these investments. See additional discussions in Note 5. Agriculture Loan Servicing We service agriculture loans approved and funded by Federal Agricultural Mortgage Corporation (“FAMC”), and provide this servicing under an agreement with FAMC for the loans it owns. The servicing assets are measured at fair value, which represents our projection of the present value of future cash flows. Because related measurements include unobservable inputs, these assets are classified in Level 3. Interest-only Strips Interest-only strips are created as a by-product of securitizing U.S. Small Business Administration (“SBA”) loan pools. When the guaranteed portions of SBA 7(a) loans are pooled, interest-only strips may be created in the pooling process. The asset’s fair value is measured using discounted cash flow methodologies that incorporate unobservable inputs, and therefore are classified in Level 3. Deferred Compensation Plan Assets Invested assets in the deferred compensation plan consist of shares of registered investment companies. These mutual funds are valued using quoted market prices, which represents the net asset value (“NAV”) of shares held by the plan at the end of the period. As such, these assets are classified in Level 1. Derivatives Exchange-traded derivatives, including foreign currency exchange contracts, are generally classified in Level 1 because they are traded in active markets. Over-the-counter derivatives, consisting primarily of interest rate swaps and options, are generally classified in Level 2 as the related fair values are obtained from third-party services that utilize observable market inputs. Observable market inputs include yield curves, foreign exchange rates, commodity prices, option volatility, counterparty credit risk, and other related data. Valuations include credit valuation adjustments (“CVAs”) to reflect nonperformance risk for both us and our counterparties. CVAs are determined generally by applying a credit spread to the total expected exposure (net of any collateral) of the derivative. Securities Sold, Not Yet Purchased Securities sold, not yet purchased, included in “Federal funds and other short-term borrowings” on the consolidated balance sheet, are measured using quoted market prices and are generally classified in Level 1. If market prices for identical securities are not available, quoted prices for similar securities are used with the related balances classified in Level 2.
Investment Securities, Impairment	Ongoing Policy We review investment securities quarterly on an individual basis for the presence of impairment. For AFS securities, when the fair value of a debt security is less than its amortized cost basis at the balance sheet date, we assess for the presence of credit impairment. When determining if the fair value of an investment is less than the amortized cost basis, we have elected to exclude accrued interest from the amortized cost basis of the investment. If we have the intent to sell an identified security, or if it is more likely than not we will be required to sell the security before recovery of its amortized cost basis, we write the amortized cost down to the security’s fair value at the reporting date through earnings. If we have the intent and ability to hold the securities, we determine whether there is any impairment attributable to credit-related factors. We analyze certain factors, primarily internal and external credit ratings, to determine if the decline in fair value below the amortized cost basis has resulted from a credit loss or other factors. If a credit impairment is determined to exist, then we measure the amount of credit loss and recognize an allowance for the credit loss. In measuring the credit loss, we generally compare the present value of cash flows expected to be collected from the security to the amortized cost basis of the security. These cash flows are credit adjusted using, among other things, assumptions for default probability and loss severity. Certain other inputs, such as prepayment rate assumptions, are also utilized. In addition, certain internal models may be utilized. To determine the credit-related portion of impairment, we use the security-specific effective interest rate when estimating the present value of cash flows. If the present value of cash flows is less than the amortized cost basis of the security, then this amount is recorded as an allowance for credit loss, limited to the amount that the fair value is less than the amortized cost basis (i.e., the credit impairment cannot result in the security being carried at an amount lower than its fair value). The assumptions used to estimate the expected cash flows depend on the particular asset class, structure, and credit rating of the security. Declines in fair value that are not recorded in the allowance are recorded in other comprehensive income, net of applicable taxes.
Recent Accounting Pronouncements	Standard Description Date of adoption Effect on the financial statements or other significant matters Standards not yet adopted by the Bank as of December 31, 2022 ASU 2022-02, Financial Instruments—Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures This accounting standards update (“ASU”) eliminates the recognition and measurement guidance on troubled debt restructurings for creditors that have adopted ASC 326 (“CECL”), and eliminates certain existing TDR disclosures while requiring enhanced disclosures about loan modifications for borrowers experiencing financial difficulty. The new standard also requires public companies to present gross write-offs (on a year-to-date basis for interim-period disclosures) by year of origination in their vintage disclosures. The new standard is effective for calendar year-end public companies beginning January 1, 2023, with early adoption permitted. Periods beginning after December 15, 2022 We have implemented processes to capture necessary data in order to comply with the new disclosure requirements. The overall effect of this standard is not expected to have a material impact on our financial statements. We adopted the guidance in the new standard on January 1, 2023. ASU 2022-03, Fair Value Measurement (Topic 820): Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions This ASU clarifies that contractual restrictions prohibiting the sale of an equity security are not considered part of the unit of account of the equity security, and therefore, are not considered in measuring fair value. The amendments clarify that an entity cannot recognize and measure a contractual sale restriction as a separate unit of account. The amendments in this ASU also require additional qualitative and quantitative disclosures for equity securities subject to contractual sale restrictions. The new standard is effective for calendar year-end public companies beginning January 1, 2024, with early adoption permitted. Periods beginning after December 15, 2023 The requirements of this ASU are consistent with our current treatment of equity securities subject to contractual sale restrictions and are not expected to impact the fair value measurements of these securities. We are evaluating supplementary disclosure requirements and additional data needed to meet these requirements. The overall effect of this standard is not expected to have a material impact on our financial statements. We do not plan to early adopt this new standard. Standard Description Date of adoption Effect on the financial statements or other significant matters Standards adopted by the Bank in 2022 ASU 2022-06, Reference Rate Reform (Topic 848): Deferral of The Sunset Date of Topic 848 As part of reference rate reform, the London Interbank Offered Rate (“LIBOR”) is expected to be discontinued and be replaced by observable or transaction-based alternative reference rates. ASC 848, Reference Rate Reform , provided temporary optional expedients and exceptions that: (1) modify the accounting requirements for contract modifications for contracts that reference LIBOR, (2) provide for a one-time election to sell or transfer to AFS or trading certain qualifying HTM debt securities, and (3) provide various optional expedients for hedging relationships affected by reference rate reform. These practical expedients were originally set to expire on December 31, 2022. In March 2021, the Financial Conduct Authority (“FCA”) extended the cessation date of most common tenors of United States Dollar (“USD”) LIBOR to June 30, 2023, beyond the original sunset date of ASC 848. ASU 2022-06 extends the original sunset date of the practical expedients detailed in ASC 848 to December 31, 2024. December 31, 2022 We adopted ASC 848 on April 1, 2020. As of December 31, 2022, we had transitioned a significant portion of our legacy LIBOR-based contracts to alternative reference rates. The extension of the sunset date in ASC 848 will facilitate the transition of the remaining contracts away from LIBOR, but is not expected to have a material impact on the Bank. The amendments in ASU 2022-06 became effective upon issuance of the Update.

Recent Accounting Pronounceme_2

Recent Accounting Pronouncements (Tables)	12 Months Ended
	Dec. 31, 2022
Accounting Policies [Abstract]
Schedule of Recent Accounting Pronouncements	Standard Description Date of adoption Effect on the financial statements or other significant matters Standards not yet adopted by the Bank as of December 31, 2022 ASU 2022-02, Financial Instruments—Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures This accounting standards update (“ASU”) eliminates the recognition and measurement guidance on troubled debt restructurings for creditors that have adopted ASC 326 (“CECL”), and eliminates certain existing TDR disclosures while requiring enhanced disclosures about loan modifications for borrowers experiencing financial difficulty. The new standard also requires public companies to present gross write-offs (on a year-to-date basis for interim-period disclosures) by year of origination in their vintage disclosures. The new standard is effective for calendar year-end public companies beginning January 1, 2023, with early adoption permitted. Periods beginning after December 15, 2022 We have implemented processes to capture necessary data in order to comply with the new disclosure requirements. The overall effect of this standard is not expected to have a material impact on our financial statements. We adopted the guidance in the new standard on January 1, 2023. ASU 2022-03, Fair Value Measurement (Topic 820): Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions This ASU clarifies that contractual restrictions prohibiting the sale of an equity security are not considered part of the unit of account of the equity security, and therefore, are not considered in measuring fair value. The amendments clarify that an entity cannot recognize and measure a contractual sale restriction as a separate unit of account. The amendments in this ASU also require additional qualitative and quantitative disclosures for equity securities subject to contractual sale restrictions. The new standard is effective for calendar year-end public companies beginning January 1, 2024, with early adoption permitted. Periods beginning after December 15, 2023 The requirements of this ASU are consistent with our current treatment of equity securities subject to contractual sale restrictions and are not expected to impact the fair value measurements of these securities. We are evaluating supplementary disclosure requirements and additional data needed to meet these requirements. The overall effect of this standard is not expected to have a material impact on our financial statements. We do not plan to early adopt this new standard. Standard Description Date of adoption Effect on the financial statements or other significant matters Standards adopted by the Bank in 2022 ASU 2022-06, Reference Rate Reform (Topic 848): Deferral of The Sunset Date of Topic 848 As part of reference rate reform, the London Interbank Offered Rate (“LIBOR”) is expected to be discontinued and be replaced by observable or transaction-based alternative reference rates. ASC 848, Reference Rate Reform , provided temporary optional expedients and exceptions that: (1) modify the accounting requirements for contract modifications for contracts that reference LIBOR, (2) provide for a one-time election to sell or transfer to AFS or trading certain qualifying HTM debt securities, and (3) provide various optional expedients for hedging relationships affected by reference rate reform. These practical expedients were originally set to expire on December 31, 2022. In March 2021, the Financial Conduct Authority (“FCA”) extended the cessation date of most common tenors of United States Dollar (“USD”) LIBOR to June 30, 2023, beyond the original sunset date of ASC 848. ASU 2022-06 extends the original sunset date of the practical expedients detailed in ASC 848 to December 31, 2024. December 31, 2022 We adopted ASC 848 on April 1, 2020. As of December 31, 2022, we had transitioned a significant portion of our legacy LIBOR-based contracts to alternative reference rates. The extension of the sunset date in ASC 848 will facilitate the transition of the remaining contracts away from LIBOR, but is not expected to have a material impact on the Bank. The amendments in ASU 2022-06 became effective upon issuance of the Update.

Fair Value (Tables)

Fair Value (Tables)	12 Months Ended
	Dec. 31, 2022
Fair Value Disclosures [Abstract]
Schedule of Assets and Liabilities Measured at Fair Value by Class on a Recurring Basis	Assets and liabilities measured at fair value by class on a recurring basis are summarized as follows: (In millions) December 31, 2022 Level 1 Level 2 Level 3 Total ASSETS Investment securities: Available-for-sale: U.S. Treasury, agencies and corporations $ 393 $ 9,815 $ — $ 10,208 Municipal securities 1,634 1,634 Other debt securities 73 73 Total Available-for-sale 393 11,522 — 11,915 Trading account 395 70 465 Other noninterest-bearing investments: Bank-owned life insurance 546 546 Private equity investments 1 4 81 85 Other assets: Agriculture loan servicing and interest-only strips 14 14 Deferred compensation plan assets 114 114 Derivatives 386 386 Total Assets $ 906 $ 12,524 $ 95 $ 13,525 LIABILITIES Securities sold, not yet purchased $ 187 $ — $ — $ 187 Other liabilities: Derivatives 451 451 Total Liabilities $ 187 $ 451 $ — $ 638 1 The level 1 PEIs relate to the portion of our SBIC investments that are now publicly traded. (In millions) December 31, 2021 Level 1 Level 2 Level 3 Total ASSETS Investment securities: Available-for-sale: U.S. Treasury, agencies and corporations $ 134 $ 22,144 $ — $ 22,278 Municipal securities 1,694 1,694 Other debt securities 76 76 Total Available-for-sale 134 23,914 — 24,048 Trading account 14 358 372 Other noninterest-bearing investments: Bank-owned life insurance 537 537 Private equity investments 35 66 101 Other assets: Agriculture loan servicing and interest-only strips 12 12 Deferred compensation plan assets 138 138 Derivatives 219 219 Total Assets $ 321 $ 25,028 $ 78 $ 25,427 LIABILITIES Securities sold, not yet purchased $ 254 $ — $ — $ 254 Other liabilities: Derivatives 51 51 Total Liabilities $ 254 $ 51 $ — $ 305
Schedule of Assets and Liabilities Measured At Fair Value By Class on a Recurring Basis Using Level 3 Inputs	The following schedule presents a rollforward of assets and liabilities that are measured at fair value on a recurring basis using Level 3 inputs: Level 3 Instruments December 31, 2022 December 31, 2021 (In millions) Private Ag loan servicing & interest-only strips Private Ag loan servicing & interest-only strips Balance at beginning of year $ 66 $ 12 $ 80 $ 16 Unrealized securities gains (losses), net 3 — 71 — Other noninterest income (expense) — 2 — (3) Purchases 16 — 17 — Cost of investments sold (3) — (24) — Redemptions and paydowns — — — (1) Transfers out 1 (1) — (78) — Balance at end of year $ 81 $ 14 $ 66 $ 12 1 Represents the transfer of SBIC investments out of Level 3 and into Level 1 because they are now publicly traded.
Schedule of Realized Gain (Loss)	The rollforward of Level 3 instruments includes the following realized gains and losses recognized in securities gains (losses) (In millions) Year Ended 2022 2021 Securities gains (losses), net $ (2) $ 31
Schedule of Carrying Values and Estimated Fair Values of Financial Instruments	The following schedule presents the carrying values and estimated fair values of certain financial instruments: December 31, 2022 December 31, 2021 (In millions) Carrying Fair value Level Carrying Fair value Level Financial assets: Held-to-maturity investment securities $ 11,126 $ 11,239 2 $ 441 $ 443 2 Loans and leases (including loans held for sale), net of allowance 55,086 53,093 3 50,421 50,619 3 Financial liabilities: Time deposits 2,309 2,269 2 1,622 1,624 2 Long-term debt 651 635 2 1,012 1,034 2

Offsetting Assets and Liabili_2

Offsetting Assets and Liabilities (Tables)	12 Months Ended
	Dec. 31, 2022
Offsetting [Abstract]
Schedule of Offsetting Assets and Liabilities	Gross and net information for selected financial instruments in the balance sheet is as follows: December 31, 2022 (In millions) Gross amounts not offset in the balance sheet Description Gross amounts recognized Gross amounts offset in the balance sheet Net amounts presented in the balance sheet Financial instruments Cash collateral received/pledged Net amount Assets: Federal funds sold and securities purchased under agreements to resell $ 2,451 $ (25) $ 2,426 $ — $ — $ 2,426 Derivatives (included in Other assets 386 — 386 (10) (367) 9 Total assets $ 2,837 $ (25) $ 2,812 $ (10) $ (367) $ 2,435 Liabilities: Federal funds and other short-term borrowings $ 10,442 $ (25) $ 10,417 $ — $ — $ 10,417 Derivatives (included in Other liabilities 451 — 451 (10) — 441 Total liabilities $ 10,893 $ (25) $ 10,868 $ (10) $ — $ 10,858 December 31, 2021 (In millions) Gross amounts not offset in the balance sheet Description Gross amounts recognized Gross amounts offset in the balance sheet Net amounts presented in the balance sheet Financial instruments Cash collateral received/pledged Net amount Assets: Federal funds sold and securities purchased under agreements to resell $ 2,133 $ — $ 2,133 $ — $ — $ 2,133 Derivatives (included in Other assets 219 — 219 (16) (7) 196 Total assets $ 2,352 $ — $ 2,352 $ (16) $ (7) $ 2,329 Liabilities: Federal funds and other short-term borrowings $ 903 $ — $ 903 $ — $ — $ 903 Derivatives (included in Other liabilities 51 — 51 (16) (1) 34 Total liabilities $ 954 $ — $ 954 $ (16) $ (1) $ 937
Schedule of Offsetting Assets and Liabilities	Gross and net information for selected financial instruments in the balance sheet is as follows: December 31, 2022 (In millions) Gross amounts not offset in the balance sheet Description Gross amounts recognized Gross amounts offset in the balance sheet Net amounts presented in the balance sheet Financial instruments Cash collateral received/pledged Net amount Assets: Federal funds sold and securities purchased under agreements to resell $ 2,451 $ (25) $ 2,426 $ — $ — $ 2,426 Derivatives (included in Other assets 386 — 386 (10) (367) 9 Total assets $ 2,837 $ (25) $ 2,812 $ (10) $ (367) $ 2,435 Liabilities: Federal funds and other short-term borrowings $ 10,442 $ (25) $ 10,417 $ — $ — $ 10,417 Derivatives (included in Other liabilities 451 — 451 (10) — 441 Total liabilities $ 10,893 $ (25) $ 10,868 $ (10) $ — $ 10,858 December 31, 2021 (In millions) Gross amounts not offset in the balance sheet Description Gross amounts recognized Gross amounts offset in the balance sheet Net amounts presented in the balance sheet Financial instruments Cash collateral received/pledged Net amount Assets: Federal funds sold and securities purchased under agreements to resell $ 2,133 $ — $ 2,133 $ — $ — $ 2,133 Derivatives (included in Other assets 219 — 219 (16) (7) 196 Total assets $ 2,352 $ — $ 2,352 $ (16) $ (7) $ 2,329 Liabilities: Federal funds and other short-term borrowings $ 903 $ — $ 903 $ — $ — $ 903 Derivatives (included in Other liabilities 51 — 51 (16) (1) 34 Total liabilities $ 954 $ — $ 954 $ (16) $ (1) $ 937

Investments (Tables)

Investments (Tables)	12 Months Ended
	Dec. 31, 2022
Investments [Abstract]
Summary of Investment Securities	December 31, 2022 (In millions) Amortized Gross Gross Estimated Held-to-maturity U.S. Government agencies and corporations: Agency securities $ 100 $ — $ 7 $ 93 Agency guaranteed mortgage-backed securities 1 10,621 165 14 10,772 Municipal securities 405 — 31 374 Total held-to-maturity 11,126 165 52 11,239 Available-for-sale U.S. Treasury securities 557 — 164 393 U.S. Government agencies and corporations: Agency securities 782 — 46 736 Agency guaranteed mortgage-backed securities 9,652 — 1,285 8,367 Small Business Administration loan-backed securities 740 1 29 712 Municipal securities 1,732 1 99 1,634 Other debt securities 75 — 2 73 Total available-for-sale 13,538 2 1,625 11,915 Total HTM and AFS investment securities $ 24,664 $ 167 $ 1,677 $ 23,154 1 During the fourth quarter of 2022, we transferred approximately $10.7 billion fair value ($13.1 billion amortized cost) of mortgage-backed AFS securities to the HTM category to reflect our intent for these securities. The amortized cost basis of these securities does not include $2.4 billion of unrealized losses in AOCI that is amortized over the life of the securities. The amortization of the unrealized losses reported in AOCI will offset the effect of the accretion of the discount in interest income that is created by adjusting the amortized cost basis to the securities ’ fair value on the date of the transfer. December 31, 2021 (In millions) Amortized Gross Gross Estimated Held-to-maturity Municipal securities $ 441 $ 4 $ 2 $ 443 Available-for-sale U.S. Treasury securities 155 — 21 134 U.S. Government agencies and corporations: Agency securities 833 13 1 845 Agency guaranteed mortgage-backed securities 20,549 108 270 20,387 Small Business Administration loan-backed securities 938 2 28 912 Municipal securities 1,652 46 4 1,694 Other debt securities 75 1 — 76 Total available-for-sale 24,202 170 324 24,048 Total HTM and AFS investment securities $ 24,643 $ 174 $ 326 $ 24,491
Contractual Maturities Debt Securities	The following schedule shows the amortized cost and weighted average yields of debt securities by contractual maturity of principal payments at December 31, 2022. Actual principal payments may differ from contractual or expected principal payments because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. December 31, 2022 Total debt securities Due in one year or less Due after one year through five years Due after five years through 10 years Due after 10 years (Dollar amounts in millions) Amortized cost Average yield Amortized cost Average yield Amortized cost Average yield Amortized cost Average yield Amortized cost Average yield Held-to-maturity U.S. Government agencies and corporations: Agency securities $ 100 3.50 % $ — — % $ — — % $ — — % $ 100 3.50 % Agency guaranteed mortgage-backed securities 10,621 1.84 — — — — 49 2.02 10,572 1.84 Municipal securities 1 405 3.05 33 3.32 130 3.13 183 3.09 59 2.61 Total held-to-maturity securities 11,126 1.90 33 3.32 130 3.13 232 2.86 10,731 1.86 Available-for-sale U.S. Treasury securities 557 2.05 — — — — — — 557 2.05 U.S. Government agencies and corporations: Agency securities 782 2.61 — — 345 2.40 230 2.49 207 3.10 Agency guaranteed mortgage-backed securities 9,652 1.92 25 4.27 305 1.53 1,625 2.03 7,697 1.91 Small Business Administration loan-backed securities 740 3.83 — — 43 4.22 154 3.66 543 3.84 Municipal securities 1 1,732 2.24 112 2.29 643 2.73 706 1.90 271 1.94 Other debt securities 75 5.39 — — 50 4.25 10 9.52 15 6.44 Total available-for-sale securities 13,538 2.13 137 2.65 1,386 2.48 2,725 2.15 9,290 2.06 Total HTM and AFS investment securities $ 24,664 2.16 % $ 170 2.78 % $ 1,516 2.54 % $ 2,957 2.21 % $ 20,021 2.06 % 1 The yields on tax-exempt securities are calculated on a tax-equivalent basis.
Summary of Amount of Gross Unrealized Losses for Debt Securities and Estimated Fair Value	The following schedule summarizes the amount of gross unrealized losses for debt securities and the estimated fair value by length of time the securities have been in an unrealized loss position: December 31, 2022 Less than 12 months 12 months or more Total (In millions) Gross Estimated Gross Estimated Gross Estimated Available-for-sale U.S. Treasury securities $ 94 $ 308 $ 70 $ 85 $ 164 $ 393 U.S. Government agencies and corporations: Agency securities 39 634 7 102 46 736 Agency guaranteed mortgage-backed securities 447 4,322 838 4,042 1,285 8,364 Small Business Administration loan-backed securities 8 101 21 524 29 625 Municipal securities 63 1,295 36 256 99 1,551 Other 2 13 — — 2 13 Total available-for-sale investment securities $ 653 $ 6,673 $ 972 $ 5,009 $ 1,625 $ 11,682 December 31, 2021 Less than 12 months 12 months or more Total (In millions) Gross Estimated Gross Estimated Gross Estimated Available-for-sale U.S. Treasury securities $ — $ — $ 21 $ 134 $ 21 $ 134 U.S. Government agencies and corporations: Agency securities 1 121 — 1 1 122 Agency guaranteed mortgage-backed securities 231 13,574 39 942 270 14,516 Small Business Administration loan-backed securities — 27 28 749 28 776 Municipal securities 4 327 — 8 4 335 Other — — — — — — Total available-for-sale investment securities $ 236 $ 14,049 $ 88 $ 1,834 $ 324 $ 15,883
Debt Securities, Held-to-maturity	The following schedule presents the amortized cost basis of HTM securities categorized by year acquired: December 31, 2022 Amortized cost basis by year acquired (In millions) 2022 2021 2020 2019 2018 Prior Total Securities Held-to-maturity $ 2,386 $ 7,222 $ 1,121 $ 81 $ 72 $ 244 $ 11,126
Gains and Losses, Including OTTI, Recognized in Statement of Income	The following schedule summarizes securities gains and losses recognized in the income statement: 2022 2021 2020 (In millions) Gross Gross Gross Gross Gross Gross Other noninterest-bearing investments $ 11 $ 26 $ 119 $ 48 $ 27 $ 20 Net gains (losses) 1 $ (15) $ 71 $ 7 1 Net gains (losses) were recognized in securities gains (losses) in the income statement.
Interest Income by Security Type	The following schedule presents interest income by security type: (In millions) 2022 2021 2020 Taxable Nontaxable Total Taxable Nontaxable Total Taxable Nontaxable Total Investment securities: Held-to-maturity $ 42 $ 4 $ 46 $ 10 $ 5 $ 15 $ 10 $ 10 $ 20 Available-for-sale 411 40 451 256 29 285 252 25 277 Trading — 15 15 — 11 11 — 7 7 Total securities $ 453 $ 59 $ 512 $ 266 $ 45 $ 311 $ 262 $ 42 $ 304

Loans, Leases, and Allowance _2

Loans, Leases, and Allowance For Credit Losses (Tables)	12 Months Ended
	Dec. 31, 2022
Receivables [Abstract]
Summary of Major Portfolio Segment and Specific Loan Class	Loans and leases are summarized as follows according to major portfolio segment and specific class: December 31, (In millions) 2022 2021 Loans held for sale $ 8 $ 83 Commercial: Commercial and industrial $ 16,180 $ 13,867 PPP 197 1,855 Leasing 386 327 Owner-occupied 9,371 8,733 Municipal 4,361 3,658 Total commercial 30,495 28,440 Commercial real estate: Construction and land development 2,513 2,757 Term 10,226 9,441 Total commercial real estate 12,739 12,198 Consumer: Home equity credit line 3,377 3,016 1-4 family residential 7,286 6,050 Construction and other consumer real estate 1,161 638 Bankcard and other revolving plans 471 396 Other 124 113 Total consumer 12,419 10,213 Total loans and leases $ 55,653 $ 50,851
Summary of Changes in the Allowance for Credit Losses	Changes in the ACL are summarized as follows: December 31, 2022 (In millions) Commercial Commercial Consumer Total Allowance for loan and lease losses Balance at beginning of year $ 311 $ 107 $ 95 $ 513 Provision for loan losses 29 49 23 101 Gross loan and lease charge-offs 72 — 10 82 Recoveries 32 — 11 43 Net loan and lease charge-offs (recoveries) 40 — (1) 39 Balance at end of year $ 300 $ 156 $ 119 $ 575 Reserve for unfunded lending commitments Balance at beginning of year $ 19 $ 11 $ 10 $ 40 Provision for unfunded lending commitments (3) 22 2 21 Balance at end of year $ 16 $ 33 $ 12 $ 61 Total allowance for credit losses Allowance for loan and lease losses $ 300 $ 156 $ 119 $ 575 Reserve for unfunded lending commitments 16 33 12 61 Total allowance for credit losses $ 316 $ 189 $ 131 $ 636 December 31, 2021 (In millions) Commercial Commercial Consumer Total Allowance for loan and lease losses Balance at beginning of year $ 464 $ 171 $ 142 $ 777 Provision for loan losses (147) (67) (44) (258) Gross loan and lease charge-offs 35 — 13 48 Recoveries 29 3 10 42 Net loan and lease charge-offs (recoveries) 6 (3) 3 6 Balance at end of year $ 311 $ 107 $ 95 $ 513 Reserve for unfunded lending commitments Balance at beginning of year $ 30 $ 20 $ 8 $ 58 Provision for unfunded lending commitments (11) (9) 2 (18) Balance at end of year $ 19 $ 11 $ 10 $ 40 Total allowance for credit losses Allowance for loan and lease losses $ 311 $ 107 $ 95 $ 513 Reserve for unfunded lending commitments 19 11 10 40 Total allowance for credit losses $ 330 $ 118 $ 105 $ 553
Summary of Nonaccrual Loans	The amortized cost basis of loans on nonaccrual status is summarized as follows: December 31, 2022 Amortized cost basis Total amortized cost basis (In millions) with no allowance with allowance Related allowance Commercial: Commercial and industrial $ 4 $ 52 $ 56 $ 26 PPP 4 3 7 1 Owner-occupied 13 11 24 1 Total commercial 21 66 87 28 Commercial real estate: Term — 14 14 2 Total commercial real estate — 14 14 2 Consumer: Home equity credit line 1 10 11 2 1-4 family residential 9 28 37 3 Total consumer loans 10 38 48 5 Total $ 31 $ 118 $ 149 $ 35 December 31, 2021 Amortized cost basis Total amortized cost basis (In millions) with no allowance with allowance Related allowance Commercial: Commercial and industrial $ 30 $ 94 $ 124 $ 34 SBA PPP 2 1 3 — Owner-occupied 37 20 57 3 Total commercial 69 115 184 37 Commercial real estate: Term 6 14 20 3 Total commercial real estate 6 14 20 3 Consumer: Home equity credit line 4 10 14 2 1-4 family residential 9 43 52 5 Bankcard and other revolving plans — 1 1 1 Total consumer loans 13 54 67 8 Total $ 88 $ 183 $ 271 $ 48 The amount of accrued interest receivables reversed from interest income during the periods presented is summarized by loan portfolio segment as follows: Twelve Months Ended (In millions) 2022 2021 2020 Commercial $ 12 $ 15 $ 16 Commercial real estate 1 2 2 Consumer — — 1 Total $ 13 $ 17 $ 19
Summary of Past Due Loans (Accruing and Nonaccruing)	Past-due loans (accruing and nonaccruing) are summarized as follows: December 31, 2022 (In millions) Current 30-89 days 90+ days Total Total Accruing Nonaccrual loans that are current 1 Commercial: Commercial and industrial $ 16,148 $ 18 $ 14 $ 32 $ 16,180 $ 2 $ 44 PPP 183 6 8 14 197 2 1 Leasing 386 — — — 386 — — Owner-occupied 9,344 20 7 27 9,371 1 15 Municipal 4,361 — — — 4,361 — — Total commercial 30,422 44 29 73 30,495 5 60 Commercial real estate: Construction and land development 2,511 2 — 2 2,513 — — Term 10,179 37 10 47 10,226 — 4 Total commercial real estate 12,690 39 10 49 12,739 — 4 Consumer: Home equity credit line 3,369 5 3 8 3,377 — 6 1-4 family residential 7,258 9 19 28 7,286 — 16 Construction and other consumer real estate 1,161 — — — 1,161 — Bankcard and other revolving plans 467 3 1 4 471 1 — Other 124 — — — 124 — — Total consumer loans 12,379 17 23 40 12,419 1 22 Total $ 55,491 $ 100 $ 62 $ 162 $ 55,653 $ 6 $ 86 December 31, 2021 (In millions) Current 30-89 days 90+ days Total Total Accruing Nonaccrual loans that are current 1 Commercial: Commercial and industrial $ 13,822 $ 17 $ 28 $ 45 $ 13,867 $ 2 $ 91 PPP 1,813 35 7 42 1,855 5 — Leasing 327 — — — 327 — — Owner-occupied 8,712 7 14 21 8,733 — 42 Municipal 3,658 — — — 3,658 — — Total commercial 28,332 59 49 108 28,440 7 133 Commercial real estate: Construction and land development 2,757 — — — 2,757 — — Term 9,426 10 5 15 9,441 — 15 Total commercial real estate 12,183 10 5 15 12,198 — 15 Consumer: Home equity credit line 3,008 4 4 8 3,016 — 10 1-4 family residential 6,018 6 26 32 6,050 — 24 Construction and other consumer real estate 638 — — — 638 — — Bankcard and other revolving plans 393 2 1 3 396 1 — Other 112 1 — 1 113 — — Total consumer loans 10,169 13 31 44 10,213 1 34 Total $ 50,684 $ 82 $ 85 $ 167 $ 50,851 $ 8 $ 182 1 Represents nonaccrual loans that are not past due more than 30 days; however, full payment of principal and interest is not expected.
Summary of Outstanding Loan Balances (Accruing and Nonaccruing) Categorized by Credit Quality Indicators	The amortized cost basis of loans and leases categorized by year of origination and by credit quality classifications as monitored by management are summarized as follows: December 31, 2022 Term Loans Revolving loans amortized cost basis Revolving loans converted to term loans amortized cost basis Amortized cost basis by year of origination (In millions) 2022 2021 2020 2019 2018 Prior Total Commercial: Commercial and industrial Pass $ 3,363 $ 1,799 $ 864 $ 876 $ 293 $ 264 $ 8,054 $ 182 $ 15,695 Special Mention 1 2 10 52 1 2 50 — 118 Accruing Substandard 26 7 17 78 30 67 84 2 311 Nonaccrual — 6 — 11 1 2 32 4 56 Total commercial and industrial 3,390 1,814 891 1,017 325 335 8,220 188 16,180 PPP Pass — 75 115 — — — — — 190 Nonaccrual — 2 5 — — — — — 7 Total PPP — 77 120 — — — — — 197 Leasing Pass 160 71 47 66 18 19 — — 381 Special Mention — — — — — — — — — Accruing Substandard — — — — — 5 — — 5 Nonaccrual — — — — — — — — — Total leasing 160 71 47 66 18 24 — — 386 Owner-occupied Pass 2,157 2,285 1,143 874 654 1,679 187 74 9,053 Special Mention 1 15 5 8 3 16 1 — 49 Accruing Substandard 16 33 48 20 55 64 9 — 245 Nonaccrual 1 1 2 4 5 10 1 — 24 Total owner-occupied 2,175 2,334 1,198 906 717 1,769 198 74 9,371 Municipal Pass 1,230 1,220 816 441 168 437 8 — 4,320 Special Mention 32 6 — — — — — — 38 Accruing Substandard — — — — — 3 — — 3 Nonaccrual — — — — — — — — — Total municipal 1,262 1,226 816 441 168 440 8 — 4,361 Total commercial 6,987 5,522 3,072 2,430 1,228 2,568 8,426 262 30,495 Commercial real estate: Construction and land development Pass 548 671 455 81 2 2 617 96 2,472 Special Mention 1 1 — — — — — — 2 Accruing Substandard 17 — — 22 — — — — 39 Nonaccrual — — — — — — — — — Total construction and land development 566 672 455 103 2 2 617 96 2,513 Term Pass 2,861 2,107 1,686 1,012 666 1,229 276 112 9,949 Special Mention 39 21 11 — 4 1 — — 76 Accruing Substandard 42 2 34 21 53 35 — — 187 Nonaccrual — — — 4 1 9 — — 14 Total term 2,942 2,130 1,731 1,037 724 1,274 276 112 10,226 Total commercial real estate 3,508 2,802 2,186 1,140 726 1,276 893 208 12,739 December 31, 2022 Term Loans Revolving loans amortized cost basis Revolving loans converted to term loans amortized cost basis Amortized cost basis by year of origination (In millions) 2022 2021 2020 2019 2018 Prior Total Consumer: Home equity credit line Pass — — — — — — 3,265 98 3,363 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 3 — 3 Nonaccrual — — — — — — 8 3 11 Total home equity credit line — — — — — — 3,276 101 3,377 1-4 family residential Pass 1,913 1,503 1,024 638 381 1,788 — — 7,247 Special Mention — — — — — — — — — Accruing Substandard — — — — — 2 — — 2 Nonaccrual — 2 2 4 3 26 — — 37 Total 1-4 family residential 1,913 1,505 1,026 642 384 1,816 — — 7,286 Construction and other consumer real estate Pass 583 485 64 19 5 5 — — 1,161 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total construction and other consumer real estate 583 485 64 19 5 5 — — 1,161 Bankcard and other revolving plans Pass — — — — — — 468 2 470 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 1 — 1 Nonaccrual — — — — — — — — — Total bankcard and other revolving plans — — — — — — 469 2 471 Other consumer Pass 68 30 12 8 4 2 — — 124 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total other consumer 68 30 12 8 4 2 — — 124 Total consumer 2,564 2,020 1,102 669 393 1,823 3,745 103 12,419 Total loans $ 13,059 $ 10,344 $ 6,360 $ 4,239 $ 2,347 $ 5,667 $ 13,064 $ 573 $ 55,653 December 31, 2021 Term Loans Revolving loans amortized cost basis Revolving loans converted to term loans amortized cost basis Amortized cost basis by year of origination (In millions) 2021 2020 2019 2018 2017 Prior Total Commercial: Commercial and industrial Pass $ 2,561 $ 1,309 $ 1,179 $ 748 $ 354 $ 239 $ 6,594 $ 121 $ 13,105 Special Mention 4 17 9 12 1 3 128 1 175 Accruing Substandard 28 22 99 53 31 65 162 3 463 Nonaccrual 14 10 6 3 1 21 51 18 124 Total commercial and industrial 2,607 1,358 1,293 816 387 328 6,935 143 13,867 PPP Pass 1,317 535 — — — — — — 1,852 Nonaccrual — 3 — — — — — — 3 Total PPP 1,317 538 — — — — — — 1,855 Leasing Pass 46 74 70 64 42 19 — — 315 Special Mention — 1 4 1 1 — — — 7 Accruing Substandard — — — — — 5 — — 5 Nonaccrual — — — — — — — — — Total leasing 46 75 74 65 43 24 — — 327 Owner-occupied Pass 2,420 1,366 1,028 868 695 1,663 177 69 8,286 Special Mention 10 13 19 32 18 50 3 3 148 Accruing Substandard 14 24 41 47 24 79 13 — 242 Nonaccrual — 4 14 9 9 20 1 — 57 Total owner-occupied 2,444 1,407 1,102 956 746 1,812 194 72 8,733 Municipal Pass 1,303 963 553 250 327 220 3 — 3,619 Special Mention — — — — — 25 — — 25 Accruing Substandard — 9 — — — 5 — — 14 Nonaccrual — — — — — — — — — Total municipal 1,303 972 553 250 327 250 3 — 3,658 Total commercial 7,717 4,350 3,022 2,087 1,503 2,414 7,132 215 28,440 Commercial real estate: Construction and land development Pass 640 736 515 94 24 2 650 64 2,725 Special Mention — — 1 — — — — — 1 Accruing Substandard — 3 28 — — — — — 31 Nonaccrual — — — — — — — — — Total construction and land development 640 739 544 94 24 2 650 64 2,757 Term Pass 2,407 1,765 1,491 1,066 529 1,401 239 179 9,077 Special Mention 22 39 10 17 8 25 — 4 125 Accruing Substandard 9 9 44 77 14 64 — 2 219 Nonaccrual — 1 5 1 — 13 — — 20 Total term 2,438 1,814 1,550 1,161 551 1,503 239 185 9,441 Total commercial real estate 3,078 2,553 2,094 1,255 575 1,505 889 249 12,198 December 31, 2021 Term Loans Revolving loans amortized cost basis Revolving loans converted to term loans amortized cost basis Amortized cost basis by year of origination (In millions) 2021 2020 2019 2018 2017 Prior Total Consumer: Home equity credit line Pass — — — — — — 2,903 96 2,999 Special Mention — — — — — — 1 — 1 Accruing Substandard — — — — — — 2 — 2 Nonaccrual — — — — — — 7 7 14 Total home equity credit line — — — — — — 2,913 103 3,016 1-4 family residential Pass 1,391 1,021 728 484 681 1,691 — — 5,996 Special Mention — — — — — — — — — Accruing Substandard — — 1 — — 1 — — 2 Nonaccrual — 3 3 3 9 34 — — 52 Total 1-4 family residential 1,391 1,024 732 487 690 1,726 — — 6,050 Construction and other consumer real estate Pass 295 232 73 27 4 7 — — 638 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total construction and other consumer real estate 295 232 73 27 4 7 — — 638 Bankcard and other revolving plans Pass — — — — — — 391 3 394 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 1 — 1 Nonaccrual — — — — — — 1 — 1 Total bankcard and other revolving plans — — — — — — 393 3 396 Other consumer Pass 58 23 17 9 4 2 — — 113 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total other consumer 58 23 17 9 4 2 — — 113 Total consumer 1,744 1,279 822 523 698 1,735 3,306 106 10,213 Total loans $ 12,539 $ 8,182 $ 5,938 $ 3,865 $ 2,776 $ 5,654 $ 11,327 $ 570 $ 50,851
Summary of TDRs (Accruing and Nonaccruing) Categorized by Loan Class and Modification Type	Information on TDRs, including their amortized cost on an accruing and nonaccruing basis by loan class, and by modification type, is summarized in the following schedules: December 31, 2022 Amortized cost basis resulting from the following modification types: (In millions) Interest Maturity Principal Payment Other 1 Multiple modification types 2 Total Accruing Commercial: Commercial and industrial $ 1 $ 12 $ — $ — $ 9 $ 28 $ 50 Owner-occupied — 1 — 2 13 12 28 Municipal — — — — — — — Total commercial 1 13 — 2 22 40 78 Commercial real estate: Construction and land development — — — — — 8 8 Term 1 27 — 27 28 1 84 Total commercial real estate 1 27 — 27 28 9 92 Consumer: Home equity credit line — 1 4 — — 1 6 1-4 family residential 2 1 2 — 1 15 21 Total consumer loans 2 2 6 — 1 16 27 Total accruing $ 4 $ 42 $ 6 $ 29 $ 51 $ 65 $ 197 Nonaccruing Commercial: Commercial and industrial $ — $ — $ — $ 3 $ 9 $ 3 $ 15 Owner-occupied 4 — — — — 4 8 Total commercial 4 — — 3 9 7 23 Commercial real estate: Term — 10 — — — — 10 Total commercial real estate — 10 — — — — 10 Consumer: Home equity credit line — — 1 — — — 1 1-4 family residential — 1 — — 1 2 4 Total consumer loans — 1 1 — 1 2 5 Total nonaccruing 4 11 1 3 10 9 38 Total $ 8 $ 53 $ 7 $ 32 $ 61 $ 74 $ 235 1 Includes TDRs that resulted from other modification types including, but not limited to, a legal judgment awarded on different terms, a bankruptcy plan confirmed on different terms, a settlement that includes the delivery of collateral in exchange for debt reduction, etc. 2 Includes TDRs that resulted from a combination of any of the previous modification types. December 31, 2021 Amortized cost basis resulting from the following modification types: (In millions) Interest Maturity Principal Payment Other 1 Multiple modification types 2 Total Accruing Commercial: Commercial and industrial $ 19 $ 1 $ — $ — $ 4 $ 7 $ 31 Owner-occupied 5 4 — 8 14 12 43 Municipal — 10 — — — — 10 Total commercial 24 15 — 8 18 19 84 Commercial real estate: Term 1 29 — 27 41 8 106 Total commercial real estate 1 29 — 27 41 8 106 Consumer: Home equity credit line — 1 5 — — 2 8 1-4 family residential 5 1 2 — 1 14 23 Total consumer loans 5 2 7 — 1 16 31 Total accruing $ 30 $ 46 $ 7 $ 35 $ 60 $ 43 $ 221 Nonaccruing Commercial: Commercial and industrial $ 1 $ 4 $ — $ 2 $ 8 $ 49 $ 64 Owner-occupied 5 — — 2 — 13 20 Total commercial 6 4 — 4 8 62 84 Commercial real estate: Term — — — 11 2 3 16 Total commercial real estate — — — 11 2 3 16 Consumer: Home equity credit line — — 1 — — — 1 1-4 family residential — 1 — — 3 — 4 Total consumer loans — 1 1 — 3 — 5 Total nonaccruing 6 5 1 15 13 65 105 Total $ 36 $ 51 $ 8 $ 50 $ 73 $ 108 $ 326 1 Includes TDRs that resulted from other modification types including, but not limited to, a legal judgment awarded on different terms, a bankruptcy plan confirmed on different terms, a settlement that includes the delivery of collateral in exchange for debt reduction, etc. 2 Includes TDRs that resulted from a combination of any of the previous modification types.
Summary of Collateral-Dependent Loans	Select information on loans for which the repayment is expected to be provided substantially through the operation or sale of the underlying collateral and the borrower is experiencing financial difficulties, including the type of collateral and the extent to which the collateral secures the loans, is summarized as follows: December 31, 2022 (In millions) Amortized Cost Major Types of Collateral Weighted Average LTV 1 Commercial: Owner-occupied $ 2 Land, Warehouse 29% Commercial real estate: Term 1 Multi-family 55% Consumer: Home equity credit line 1 Single family residential 13% 1-4 family residential 3 Single family residential 41% Total $ 7 December 31, 2021 (In millions) Amortized Cost Major Types of Collateral Weighted Average LTV 1 Commercial: Commercial and industrial $ 27 Corporate assets, Single family residential 55% Owner-occupied 11 Office building 40% Commercial real estate: Term 2 Multi-family, Retail 28% Consumer: Home equity credit line 5 Single family residential 45% 1-4 family residential 2 Single family residential 35% Total $ 47 1 The fair value is based on the most recent appraisal or other collateral evaluation.

Derivative Instruments and He_2

Derivative Instruments and Hedging Activities (Tables)	12 Months Ended
	Dec. 31, 2022
Summary of Derivative Instruments [Abstract]
Schedule of Derivative Amounts	The following schedule presents derivative notional amounts and recorded gross fair values at December 31, 2022 and 2021. December 31, 2022 December 31, 2021 Notional Fair value Notional Fair value (In millions) Other Other Other Other Derivatives designated as hedging instruments: Cash flow hedges of floating-rate assets: Purchased interest rate floors $ — $ — $ — $ — $ — $ — Receive-fixed interest rate swaps 7,633 — 1 6,883 — — Fair value hedges: Debt hedges: Receive-fixed interest rate swaps 500 — — 500 — — Asset hedges: Pay-fixed interest rate swaps 1 1,228 84 — 479 10 — Total derivatives designated as hedging instruments 9,361 84 1 7,862 10 — Derivatives not designated as hedging instruments: Customer interest rate derivatives 2 13,670 296 443 13,174 200 48 Other interest rate derivatives 862 — — 1,286 6 1 Foreign exchange derivatives 605 6 7 288 3 2 Total derivatives not designated as hedging instruments 15,137 302 450 14,748 209 51 Total derivatives $ 24,498 $ 386 $ 451 $ 22,610 $ 219 $ 51 1 The notional amount includes forward starting swaps that are not yet effective. 2 Customer interest rate derivatives include both customer-facing derivatives and the offsetting, dealer-facing derivatives. Customer interest rate derivatives include a net CVA of $13 million and $3 million, reducing the fair value amount at December 31, 2022, and December 31, 2021, respectively. These adjustments are required to reflect both our nonperformance risk and that of the respective counterparty.
Schedule of Derivative Gains (Losses) Deferred in OCI or Recognized in Earnings	The amount of derivative gains (losses) from cash flow and fair value hedges that was deferred in OCI or recognized in earnings for year ended December 31, 2022 and 2021 is shown in the schedules below. Year Ended December 31, 2022 (In millions) Effective portion of derivative gain/(loss) deferred in AOCI Excluded components deferred in AOCI (amortization approach) Amount of gain/(loss) reclassified from AOCI into income Interest on fair value hedges Hedge ineffectiveness / AOCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ — $ 2 $ — $ — Interest rate swaps (437) — (29) — — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — — (1) — Basis amortization on terminated hedges 2, 3 — — — 1 — Fair value hedges of assets: Pay-fixed interest rate swaps — — — 4 (1) Basis amortization on terminated hedges 2, 3 — — — — — Total derivatives designated as hedging instruments $ (437) $ — $ (27) $ 4 $ (1) Year Ended December 31, 2021 (In millions) Effective portion of derivative gain/(loss) deferred in AOCI Excluded components deferred in AOCI (amortization approach) Amount of gain/(loss) reclassified from AOCI into income Interest on fair value hedges Hedge ineffectiveness / AOCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ — $ 11 $ — $ — Interest rate swaps (34) — 51 — — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — — 8 — Basis amortization on terminated hedges 2, 3 — — — 10 — Fair value hedges of assets: Pay-fixed interest rate swaps — — — (3) — Basis amortization on terminated hedges 2, 3 — — — — — Total derivatives designated as hedging instruments $ (34) $ — $ 62 $ 15 $ — Note: These schedules are not intended to present at any given time our long/short position with respect to our derivative contracts. 1 For the 12 months following December 31, 2022, we estimate that $205 million of net losses will be reclassified from AOCI into interest income, compared with an estimate of $32 million at December 31, 2021. 2 Adjustment to interest income or expense resulting from the amortization of the basis adjustment from previously terminated hedging relationships. 3 The cumulative unamortized basis adjustment from previously terminated or redesignated fair value hedges at December 31, 2022 was zero and $10 million of terminated fair value debt and asset hedges, respectively, compared with $1 million and $7 million at December 31, 2021. The amortization of the cumulative unamortized basis adjustment from asset hedges is not shown in the schedules because it is not significant.
Schedule of Gains (Losses) Recognized From Derivatives Not Designated As Accounting Hedges	The amount of gains (losses) recognized from derivatives not designated as accounting hedges is summarized as follows: Other Noninterest (In millions) 2022 2021 Derivatives not designated as hedging instruments: Customer interest rate derivatives $ 43 $ 34 Other interest rate derivatives — (12) Foreign exchange derivatives 29 27 Total derivatives not designated as hedging instruments $ 72 $ 49
Schedule of Fair Value Hedges	The following schedule presents derivatives used in fair value hedge accounting relationships, as well as pre-tax gains/(losses) recorded on such derivatives and the related hedged items for the periods presented. Gain/(loss) recorded in income Twelve Months Ended Twelve Months Ended (In millions) Derivatives 2 Hedged items Total income statement impact Derivatives 2 Hedged items Total income statement impact Debt: Receive-fixed interest rate swaps 1,2 $ (79) $ 79 $ — $ (30) $ 30 $ — Assets: Pay-fixed interest rate swaps 1,2 224 (225) (1) 23 (23) — 1 Consists of hedges of benchmark interest rate risk of fixed-rate long-term debt and fixed-rate AFS securities. Gains and losses were recorded in interest expense or income consistent with the hedged items. 2 The income/expense for derivatives does not reflect interest income/expense from periodic accruals and payments to be consistent with the presentation of the gains/(losses) on the hedged items.
Schedule of Basis Adjustments for Hedged Items	The following schedule provides information regarding basis adjustments for hedged items. Par value of hedged assets/(liabilities) Carrying amount of the hedged assets/(liabilities) Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets/(liabilities) (In millions) 2022 2021 2022 2021 2022 2021 Long-term fixed-rate debt 1,2 $ (500) $ (500) $ (435) $ (507) $ 65 $ (7) Fixed-rate AFS securities 1,2 1,228 479 962 435 (266) (44) 1 Carrying amounts displayed above exclude (1) issuance and purchase discounts or premiums, (2) unamortized issuance and acquisition costs, and (3) amounts related to terminated fair value hedges.

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2022
Leases [Abstract]
Lease Related Assets and Liabilities	The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate: December 31, (Dollar amounts in millions) 2022 2021 Operating leases ROU assets, net of amortization $ 173 $ 195 Lease liabilities 198 222 Finance leases ROU assets, net of amortization 4 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.4 8.5 Finance leases 17.4 18.3 Weighted average discount rate Operating leases 2.9 % 2.8 % Finance leases 3.1 % 3.1 %
Lease Expense	Additional information related to lease expense is presented below: Year Ended December 31, (In millions) 2022 2021 2020 Lease expense: Operating lease expense $ 46 $ 47 $ 49 Other expenses associated with operating leases 1 51 50 49 Total lease expense $ 97 $ 97 98 Related cash disbursements for operating leases $ 50 $ 50 $ 51 1 Other expenses primarily relate to property taxes and building and property maintenance.
Lease Maturity Analysis	The following schedule presents the total contractual undiscounted lease payments for operating lease liabilities by expected due date for each of the next five years: (In millions) Total undiscounted lease payments 2023 $ 47 2024 39 2025 29 2026 24 2027 15 Thereafter 75 Total $ 229

Premises, Equipment and Softw_2

Premises, Equipment and Software (Tables)	12 Months Ended
	Dec. 31, 2022
Property, Plant and Equipment [Abstract]
Schedule of Premises, Equipment and Software, Net	Net premises, equipment, and software are summarized as follows: (In millions) December 31, 2022 2021 Land $ 264 $ 265 Buildings 943 868 Furniture and equipment 346 378 Leasehold improvements 151 168 Software 730 664 Total premises, equipment, and software 1 2,434 2,343 Less accumulated depreciation and amortization 1,026 1,024 Net book value $ 1,408 $ 1,319 1 The totals for 2022 and 2021 include $298 million and $348 million, respectively, of costs that have been capitalized, but are not yet depreciating because the respective assets have not been placed in service.

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Goodwill	The following schedule presents the carrying amount of goodwill for our business segments with goodwill, as well as the balance of our core deposits and other intangible assets, net of related accumulated amortization: December 31, (In millions) 2022 2021 Goodwill: Amegy $ 615 $ 615 CB&T 379 379 Zions Bank 20 20 Nevada State Bank 13 — Total goodwill $ 1,027 $ 1,014 Core deposits and other intangibles, net of accumulated amortization 38 1 Total goodwill and intangibles $ 1,065 $ 1,015

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2022
Deposits [Abstract]
Deposits By Category	The following schedule presents our deposits by category: December 31, (Dollar amounts in millions) 2022 2021 Noninterest-bearing demand $ 35,777 $ 41,053 Interest-bearing: Savings and money market 33,566 40,114 Time 2,309 1,622 Total deposits $ 71,652 $ 82,789
Schedule of Maturities of All Time Deposits	At December 31, 2022, the aggregate amount of all time deposits by maturity were as follows: (In millions) Amount 2023 $ 2,038 2024 145 2025 64 2026 36 2027 25 Thereafter 1 Total $ 2,309 The scheduled maturities of time deposits that exceed $250,000 were as follows: (In millions) December 31, 2022 Three months or less $ 106 After three months through six months 87 After six months through twelve months 263 After twelve months 71 Total $ 527

Short-Term Borrowings (Tables)

Short-Term Borrowings (Tables)	12 Months Ended
	Dec. 31, 2022
Short-Term Debt [Abstract]
Summary of Short-Term Borrowings	The following schedule presents selected information for FHLB advances and other short-term borrowings: (Dollar amounts in millions) 2022 2021 Federal Home Loan Bank advances Average amount outstanding $ 1,257 $ — Average rate 3.67 % — % Highest month-end balance $ 7,100 $ — Year-end balance 7,100 — Average rate on outstanding advances at year-end 4.43 % — % Other short-term borrowings, year-end balances Federal funds purchased $ 232 $ 421 Security repurchase agreements 2,898 228 Securities sold, not yet purchased 187 254 Total federal funds and other short-term borrowings $ 10,417 $ 903

Long-Term Debt (Tables)

Long-Term Debt (Tables)	12 Months Ended
	Dec. 31, 2022
Long-Term Debt, Unclassified [Abstract]
Schedule of Long-Term Debt	Long-term debt is summarized as follows: December 31, (In millions) 2022 2021 Subordinated notes $ 519 $ 590 Senior notes 128 418 Finance lease obligations 4 4 Total $ 651 $ 1,012
Schedule of Subordinated Notes	The following schedule presents our subordinated notes outstanding at December 31, 2022 : (Dollar amounts in millions) Subordinated notes Coupon rate Balance Par amount Maturity 6.95% $ 88 $ 88 September 2028 3.25% 431 500 October 2029 Total $ 519 $ 588
Schedule of Senior Notes	The following schedule presents our senior notes outstanding at December 31, 2022 : (Dollar amounts in millions) Senior notes Coupon rate Balance Par amount Maturity 4.50% $ 128 $ 128 June 2023
Schedule of Maturities of Long-term Debt	The following schedule presents our long-term debt by maturity for each of the next five years: (In millions) Amount 1 2023 $ 128 2024 — 2025 — 2026 — 2027 — Thereafter 587 Total $ 715 1 Does not include basis adjustments related to terminated or active fair value hedges.

Shareholders' Equity (Tables)

Shareholders' Equity (Tables)	12 Months Ended
	Dec. 31, 2022
Equity [Abstract]
Summary of Preferred Stock	The following schedule summarizes key aspects of our preferred stock: (Dollar amounts in millions) Carrying value at Shares at Dividends payable Earliest Rate following earliest redemption date Dividends payable after rate change 2022 2021 Authorized Outstanding Rate (when applicable) Series A $ 67 $ 67 140,000 66,139 > of 4.0% or 3mL+0.52% Qtrly Mar, Jun, Sep, Dec Dec 15, 2011 Series G 138 138 200,000 138,390 6.3% Qtrly Mar, Jun, Sep, Dec Mar 15, 2023 annual float-ing rate = 3mL+4.24% Series I 99 99 300,893 98,555 5.8% Semi-annually Jun, Dec Jun 15, 2023 annual float-ing rate = 3mL+3.8% Qtrly Mar, Jun, Sep, Dec Series J 136 136 195,152 136,368 7.2% Semi-annually Mar, Sep Sep 15, 2023 annual float-ing rate = 3mL+4.44% Qtrly Mar, Jun, Sep, Dec Total $ 440 $ 440
Schedule of Changes in Accumulated Other Comprehensive Income	Changes in AOCI by component are as follows: (In millions) Net unrealized gains (losses) on investment securities Net unrealized gains (losses) on derivatives and other Pension and post-retirement Total 2022 Balance at December 31, 2021 $ (78) $ — $ (2) $ (80) Other comprehensive loss before reclassifications, net of tax (2,722) (332) 1 (3,053) Amounts reclassified from AOCI, net of tax — 21 — 21 Other comprehensive loss (2,722) (311) 1 (3,032) Balance at December 31, 2022 $ (2,800) $ (311) $ (1) $ (3,112) Income tax benefit included in other comprehensive loss $ (888) $ (101) $ — $ (989) 2021 Balance at December 31, 2020 $ 258 $ 69 $ (2) $ 325 Other comprehensive loss before reclassifications, net of tax (336) (23) — (359) Amounts reclassified from AOCI, net of tax — (46) — (46) Other comprehensive loss (336) (69) — (405) Balance at December 31, 2021 $ (78) $ — $ (2) $ (80) Income tax benefit included in other comprehensive loss $ (109) $ (22) $ — $ (131)
Schedule of Reclassification out of Accumulated Other Comprehensive Income	Statement of Income (SI) (In millions) Amounts reclassified from AOCI 1 Details about AOCI components 2022 2021 2020 Affected line item Net unrealized gains (losses) on derivative instruments $ (27) $ 61 $ 47 SI Interest and fees on loans Income tax expense (benefit) (6) 15 11 $ (21) $ 46 $ 36 Amortization of net actuarial loss 2 $ — $ — $ (28) SI Other noninterest expense Income tax expense (benefit) — — (7) $ — $ — $ (21) 1 Positive reclassification amounts indicate increases to earnings in the statement of income. 2 There was no amortization of net actuarial loss in 2021 and 2022 due to the termination of pension plan in 2020.

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2022
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Summary of Actual Capital Amounts and Capital Ratios	Our capital amounts and ratios under Basel III at December 31, 2022 and 2021 are as follows: (Dollar amounts in millions) December 31, 2022 To be well-capitalized Amount Ratio Amount Ratio Basel III Regulatory Capital Amounts and Ratios Common equity tier 1 capital (to risk-weighted assets) $ 6,481 9.8 % $ 4,297 6.5 % Tier 1 capital (to risk-weighted assets) 6,921 10.5 5,289 8.0 Total capital (to risk-weighted assets) 8,077 12.2 6,611 10.0 Tier 1 leverage ratio 6,921 7.7 4,472 5.0 December 31, 2021 To be well-capitalized (Dollar amounts in millions) Amount Ratio Amount Ratio Basel III Regulatory Capital Amounts and Ratios Common equity tier 1 capital (to risk-weighted assets) $ 6,068 10.2 % $ 3,874 6.5 % Tier 1 capital (to risk-weighted assets) 6,508 10.9 4,768 8.0 Total capital (to risk-weighted assets) 7,652 12.8 5,960 10.0 Tier 1 leverage ratio 6,508 7.2 4,546 5.0 December 31, 2022 Minimum capital requirement Capital conservation buffer Minimum capital ratio requirement with capital conservation buffer Current capital CET1 to risk-weighted assets 4.5 % 2.5 % 7.0 % 9.8 % Tier 1 capital (i.e., CET1 plus additional Tier 1 capital) to risk-weighted assets 6.0 2.5 8.5 10.5 Total capital (i.e., Tier 1 capital plus Tier 2 capital) to risk-weighted assets 8.0 2.5 10.5 12.2

Commitments, Guarantees, Cont_2

Commitments, Guarantees, Contingent Liabilities, and Related Parties (Tables)	12 Months Ended
	Dec. 31, 2022
Guarantees, Commitments And Contingencies [Abstract]
Schedule of Off-Balance Sheet Financial Instruments	Contractual amounts related to off-balance sheet financial instruments used to meet the financing needs of our customers are as follows: December 31, (In millions) 2022 2021 Unfunded lending commitments 1 $ 29,628 $ 25,797 Standby letters of credit: Financial 667 597 Performance 184 245 Commercial letters of credit 11 22 Mortgage-backed security purchase agreements 2 23 1 Total unfunded commitments $ 30,513 $ 26,662 1 Net of participations. 2 Represents agreements with Farmer Mac to purchase securities backed by certain agricultural mortgage loans.

Revenue Recognition (Tables)

Revenue Recognition (Tables)	12 Months Ended
	Dec. 31, 2022
Revenue Recognition and Deferred Revenue [Abstract]
Disaggregation of Revenue	The schedule below presents net revenue by our operating business segments. Certain prior period amounts have been reclassified to conform with the current period presentation, where applicable. These reclassifications did not affect net income or shareholders’ equity. Zions Bank CB&T Amegy (In millions) 2022 2021 2020 2022 2021 2020 2022 2021 2020 Commercial account fees $ 53 $ 46 $ 43 $ 28 $ 25 $ 23 $ 46 $ 40 $ 42 Card fees 55 58 50 20 17 13 33 29 24 Retail and business banking fees 22 22 21 12 12 11 16 15 15 Capital markets and foreign exchange fees — — (2) — — — — — — Wealth management fees 22 21 17 4 5 4 15 13 10 Other customer-related fees 8 7 7 6 4 5 7 6 7 Total noninterest income from contracts with customers (ASC 606) 160 154 136 70 63 56 117 103 98 Other noninterest income (non-ASC 606 customer-related) 19 21 23 34 34 36 40 36 34 Total customer-related noninterest income 179 175 159 104 97 92 157 139 132 Other noncustomer-related noninterest income 5 10 (1) 4 5 3 1 2 1 Total noninterest income 184 185 158 108 102 95 158 141 133 Other real estate owned gain from sale — — — — — 1 — — — Net interest income 741 633 650 595 536 512 513 462 485 Total net revenue $ 925 $ 818 $ 808 $ 703 $ 638 $ 608 $ 671 $ 603 $ 618 NBAZ NSB Vectra (In millions) 2022 2021 2020 2022 2021 2020 2022 2021 2020 Commercial account fees $ 9 $ 7 $ 7 $ 11 $ 9 $ 8 $ 8 $ 7 $ 6 Card fees 15 11 10 15 12 10 9 6 5 Retail and business banking fees 9 9 8 10 10 9 4 4 4 Capital markets and foreign exchange fees — — — — — — — — — Wealth management fees 3 3 2 5 4 3 1 2 1 Other customer-related fees 2 1 1 1 1 1 3 2 3 Total noninterest income from contracts with customers (ASC 606) 38 31 28 42 36 31 25 21 19 Other noninterest income (non-ASC 606 customer-related) 8 13 12 6 14 12 6 12 13 Total customer-related noninterest income 46 44 40 48 50 43 31 33 32 Other noncustomer-related noninterest income 2 2 1 — — — — — — Total noninterest income 48 46 41 48 50 43 31 33 32 Other real estate owned gain from sale — — — — — — — — — Net interest income 241 204 216 183 146 146 153 136 135 Total net revenue $ 289 $ 250 $ 257 $ 231 $ 196 $ 189 $ 184 $ 169 $ 167 TCBW Other Consolidated Bank (In millions) 2022 2021 2020 2022 2021 2020 2022 2021 2020 Commercial account fees $ 2 $ 2 $ 1 $ 2 $ 1 $ 2 $ 159 $ 137 $ 132 Card fees 2 1 1 — 1 — 149 135 113 Retail and business banking fees — — — — 1 — 73 73 68 Capital markets and foreign exchange fees — — — 4 6 7 4 6 5 Wealth management fees — — — 1 (2) 1 51 46 38 Other customer-related fees 1 1 1 31 30 21 59 52 46 Total noninterest income from contracts with customers (ASC 606) 5 4 3 38 37 31 495 449 402 Other noninterest income (non-ASC 606 customer-related) 2 2 2 4 (6) 15 119 126 147 Total customer-related noninterest income 7 6 5 42 31 46 614 575 549 Other noncustomer-related noninterest income — — — 6 109 21 18 128 25 Total noninterest income 7 6 5 48 140 67 632 703 574 Other real estate owned gain from sale — — — — — — — — 1 Net interest income 63 53 52 31 38 20 2,520 2,208 2,216 Total net revenue $ 70 $ 59 $ 57 $ 79 $ 178 $ 87 $ 3,152 $ 2,911 $ 2,791

Share-Based Compensation (Table

Share-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2022
Share-Based Payment Arrangement [Abstract]
Compensation Expense and Related Tax Benefit for All Share-Based Awards	The following schedule presents compensation expense and the related tax benefit for all share-based awards: (In millions) 2022 2021 2020 Compensation expense $ 30 $ 28 $ 26 Reduction of income tax expense 11 11 8
Summary of Weighted Average Value at Grant Date and the Significant Assumptions Used in Applying the Black-Scholes Model for Options Granted	The following summarizes the weighted average value at grant date and the significant assumptions used in applying the Black-Scholes model for options granted: 2022 2021 2020 Weighted average value for options granted $ 15.16 $ 7.86 $ 8.18 Weighted average assumptions used: Expected dividend yield 2.3 % 2.5 % 3.0 % Expected volatility 27.0 % 25.0 % 27.0 % Risk-free interest rate 1.98 % 0.47 % 1.38 % Expected life (in years) 5.0 5.0 5.0
Summary of Stock Option Activity	The following summarizes our stock option activity for the three years ended December 31, 2022: Number of shares Weighted average exercise price Balance at December 31, 2019 1,676,778 $ 34.77 Granted 320,913 45.61 Exercised (285,954) 26.48 Expired (22,685) 30.17 Forfeited (5,395) 51.34 Balance at December 31, 2020 1,683,657 38.26 Granted 345,636 48.65 Exercised (686,894) 31.08 Expired (7,910) 42.16 Forfeited (6,345) 48.04 Balance at December 31, 2021 1,328,144 44.60 Granted 201,932 73.02 Exercised (256,004) 36.79 Expired (8,912) 37.58 Forfeited (2,794) 57.75 Balance at December 31, 2022 1,262,366 50.75 Outstanding stock options exercisable as of: December 31, 2022 729,411 $ 46.02 December 31, 2021 693,883 41.54 December 31, 2020 1,137,596 33.42
Summary of Additional Selected Information on Stock Options	The following schedule presents additional selected information on stock options at December 31, 2022: Outstanding stock options Exercisable stock options Exercise price range Number of shares Weighted average exercise price Weighted average remaining contractual life (years) Number of shares Weighted average exercise price $4.15 to $19.99 5,223 $ 6.41 1 0 5,223 $ 6.41 $20.00 to $24.99 75,598 20.99 0.1 75,598 20.99 $25.00 to $29.99 452 29.12 4.8 226 29.12 $40.00 to $44.99 84,913 44.23 1.2 84,664 44.24 $45.00 to $49.99 585,877 47.30 4.6 254,209 46.77 $50.00 to $59.99 311,062 52.67 2.6 309,491 52.67 $60.00 to $73.22 199,241 73.19 6.1 — — 1,262,366 50.75 1 3.8 729,411 46.02 1 The weighted average remaining contractual life excludes 5,223 stock options without a fixed expiration date that were assumed with the Amegy acquisition. They expire between the date of termination and one year from the date of termination, depending upon certain circumstances.
Summary of Nonvested Restricted Stock Activity	The following schedule summarizes our restricted stock activity for the three years ended December 31, 2022: Number of shares Weighted average fair value Nonvested restricted shares at December 31, 2019 50,457 $ 39.50 Issued 27,798 45.65 Vested (20,859) 34.77 Nonvested restricted shares at December 31, 2020 57,396 44.20 Issued 26,083 39.16 Vested (18,663) 43.89 Nonvested restricted shares at December 31, 2021 64,816 42.26 Issued 21,038 60.21 Vested (25,105) 42.66 Nonvested restricted shares at December 31, 2022 60,749 48.31
Summary of RSU Activity	The following schedule summarizes our RSU activity for the three years ended December 31, 2022: Number of restricted stock units Weighted average fair value Restricted stock units at December 31, 2019 1,294,070 $ 43.59 Granted 586,302 42.75 Vested (593,375) 37.56 Forfeited (44,676) 47.78 Restricted stock units at December 31, 2020 1,242,321 46.31 Granted 578,056 47.02 Vested (505,690) 46.51 Forfeited (40,604) 47.97 Restricted stock units at December 31, 2021 1,274,083 46.49 Granted 433,674 68.07 Vested (504,358) 47.83 Forfeited (34,306) 56.58 Restricted stock units at December 31, 2022 1,169,093 53.62

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Schedule of Income Tax Expense (Benefit)	The following schedule presents the major components of our income tax expense: (In millions) 2022 2021 2020 Federal: Current $ 236 $ 230 $ 153 Deferred (38) 27 (47) Total Federal 198 257 106 State: Current 52 55 38 Deferred (5) 5 (11) Total State 47 60 27 Total income tax expense $ 245 $ 317 $ 133
Schedule of Statutory Federal Income Tax Rate Reconciles to Actual Income Tax Expense (Benefit)	Income tax expense computed at the statutory federal income tax rate of 21% reconciles to actual income tax expense as follows: (In millions) 2022 2021 2020 Income tax expense at statutory federal rate $ 242 $ 304 $ 141 State income taxes including credits, net 38 48 21 Other nondeductible expenses 13 8 8 Nontaxable income (40) (36) (32) Share-based compensation (4) (3) (1) Tax credits and other taxes (4) (4) (4) Total income tax expense $ 245 $ 317 $ 133
Schedule of Tax Effects of Deferred Tax Assets and Deferred Tax Liabilities	The tax effects of temporary differences that give rise to significant portions of DTAs and DTLs are presented below: (In millions) December 31, 2022 2021 Gross deferred tax assets: Book loan loss deduction in excess of tax $ 157 $ 136 Pension and postretirement — 1 Deferred compensation 83 77 Security investments and derivative fair value adjustments 1,011 26 Lease liabilities 49 55 Capitalized costs 82 54 Other 29 30 Total deferred tax assets before valuation allowance 1,411 379 Valuation allowance — — Total deferred tax assets 1,411 379 Gross deferred tax liabilities: Premises and equipment, due to differences in depreciation (99) (88) Federal Home Loan Bank stock dividends (2) (2) Leasing operations (49) (44) Prepaid expenses (5) (8) Prepaid pension reserves (3) (6) Mortgage servicing (12) (10) Deferred loan costs (34) (30) ROU assets (44) (49) Qualified opportunity fund deferred gains (26) (26) Equity investments (9) (20) Total deferred tax liabilities (283) (283) Net deferred tax assets (liabilities) $ 1,128 $ 96
Schedule of Reconciliation of Gross Unrecognized Tax Benefits	The following schedule presents a rollforward of gross unrecognized tax benefits: (In millions) 2022 2021 2020 Balance at beginning of year $ 14 $ 11 $ 14 Tax positions related to current year: Additions 2 2 2 Tax positions related to prior years: Additions — 1 — Reductions (1) — (5) Lapses in statutes of limitations (2) — — Balance at end of year $ 13 $ 14 $ 11

Net Earnings Per Common Share (

Net Earnings Per Common Share (Tables)	12 Months Ended
	Dec. 31, 2022
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Diluted, by Common Class, Including Two Class Method	Basic and diluted net earnings per common share based on the weighted average outstanding shares are summarized as follows: (In millions, except shares and per share amounts) 2022 2021 2020 Basic: Net income $ 907 $ 1,129 $ 539 Less common and preferred dividends 269 261 259 Less impact from redemption of preferred stock — 3 — Undistributed earnings 638 865 280 Less undistributed earnings applicable to nonvested shares 5 7 2 Undistributed earnings applicable to common shares 633 858 278 Distributed earnings applicable to common shares 237 230 223 Total earnings applicable to common shares $ 870 $ 1,088 $ 501 Weighted average common shares outstanding (in thousands) 150,064 159,913 163,737 Net earnings per common share $ 5.80 $ 6.80 $ 3.06 Diluted: Total earnings applicable to common shares $ 870 $ 1,088 $ 501 Weighted average common shares outstanding (in thousands) 150,064 159,913 163,737 Dilutive effect of common stock warrants (in thousands) — — 1,641 Dilutive effect of stock options (in thousands) 207 321 235 Weighted average diluted common shares outstanding (in thousands) 150,271 160,234 165,613 Net earnings per common share $ 5.79 $ 6.79 $ 3.02
Schedule of Weighted Average Number of Shares	The following schedule presents the weighted average stock awards that were anti-dilutive and not included in the calculation of diluted earnings per share. (In thousands) 2022 2021 2020 Restricted stock and restricted stock units $ 1,265 $ 1,374 $ 1,338 Stock options 178 74 889

Operating Segment Information (

Operating Segment Information (Tables)	12 Months Ended
	Dec. 31, 2022
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment	The following schedule presents selected operating segment information: (In millions) Zions Bank CB&T Amegy 2022 2021 2020 2022 2021 2020 2022 2021 2020 SELECTED INCOME STATEMENT DATA Net interest income $ 741 $ 633 $ 650 $ 595 $ 536 $ 512 $ 513 $ 462 $ 485 Provision for credit losses 43 (26) 67 49 (78) 120 5 (96) 111 Net interest income after provision for credit losses 698 659 583 546 614 392 508 558 374 Noninterest income 184 185 158 108 102 95 158 141 133 Noninterest expense 495 464 446 340 311 305 355 337 329 Income (loss) before income taxes $ 387 $ 380 $ 295 $ 314 $ 405 $ 182 $ 311 $ 362 $ 178 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 13,277 $ 13,198 $ 13,845 $ 13,129 $ 12,892 $ 12,366 $ 12,110 $ 12,189 $ 13,114 Total average deposits 24,317 23,588 18,370 16,160 15,796 13,763 15,735 15,496 12,970 (In millions) NBAZ NSB Vectra 2022 2021 2020 2022 2021 2020 2022 2021 2020 SELECTED INCOME STATEMENT DATA Net interest income $ 241 $ 204 $ 216 $ 183 $ 146 $ 146 $ 153 $ 136 $ 135 Provision for credit losses 11 (27) 35 4 (35) 37 9 (12) 34 Net interest income after provision for credit losses 230 231 181 179 181 109 144 148 101 Noninterest income 48 46 41 48 50 43 31 33 32 Noninterest expense 167 151 147 151 142 141 120 114 109 Income (loss) before income taxes $ 111 $ 126 $ 75 $ 76 $ 89 $ 11 $ 55 $ 67 $ 24 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 4,911 $ 4,849 $ 5,099 $ 2,987 $ 3,015 $ 3,102 $ 3,632 $ 3,414 $ 3,401 Total average deposits 8,035 7,288 5,771 7,436 6,691 5,427 4,109 4,386 3,637 (In millions) TCBW Other Consolidated Bank 2022 2021 2020 2022 2021 2020 2022 2021 2020 SELECTED INCOME STATEMENT DATA Net interest income $ 63 $ 53 $ 52 $ 31 $ 38 $ 20 $ 2,520 $ 2,208 $ 2,216 Provision for credit losses 1 (3) 7 — 1 3 122 (276) 414 Net interest income after provision for credit losses 62 56 45 31 37 17 2,398 2,484 1,802 Noninterest income 7 6 5 48 140 67 632 703 574 Noninterest expense 24 21 22 226 201 205 1,878 1,741 1,704 Income (loss) before income taxes $ 45 $ 41 $ 28 $ (147) $ (24) $ (121) $ 1,152 $ 1,446 $ 672 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 1,630 $ 1,569 $ 1,460 $ 922 $ 857 $ 629 $ 52,598 $ 51,983 $ 53,016 Total average deposits 1,571 1,537 1,256 1,166 1,475 2,495 78,529 76,257 63,689

Quarterly Financial Informati_2

Quarterly Financial Information (Unaudited) (Tables)	12 Months Ended
	Dec. 31, 2022
Quarterly Financial Information Disclosure [Abstract]
Schedule of Financial Information by Quarter	Quarterly financial information for 2022 and 2021 is presented below. Prior period amounts have been reclassified to conform with the current year presentation, where applicable. These reclassifications did not affect net income. See related discussion in Note 1. (In millions, except per share amounts) Fourth Quarter Third Quarter Second Quarter First Quarter 2022 Total interest income $ 835 $ 707 $ 608 $ 555 Net interest income 720 663 593 544 Provision for credit losses 43 71 41 (33) Noninterest income 153 165 172 142 Noninterest expense 471 479 464 464 Income before income taxes 359 278 260 255 Net income 284 217 203 203 Preferred stock dividends 7 6 8 8 Net earnings applicable to common shareholders 277 211 195 195 Net earnings per common share: Basic 1.84 1.40 1.29 1.27 Diluted 1.84 1.40 1.29 1.27 2021 Total interest income $ 566 $ 569 $ 570 $ 562 Net interest income 553 555 555 545 Provision for credit losses 25 (46) (123) (132) Noninterest income 190 139 205 169 Noninterest expense 449 429 428 435 Income before income taxes 269 311 455 411 Net income 213 240 354 322 Preferred stock dividends 6 6 9 8 Net earnings applicable to common shareholders 207 234 345 314 Net earnings per common share: Basic 1.34 1.45 2.08 1.90 Diluted 1.34 1.45 2.08 1.90

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Details) $ in Billions	12 Months Ended
	Dec. 31, 2022 USD ($) state segment	Dec. 31, 2021 USD ($)
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Number of states in which entity operates | state	11
Number of community regional banks operating in distinct geographical areas | segment	7
Securities for which entity has right to sell or repledge	$ 2.3	$ 2
Security resell agreements average amount	2.4	2.1
Security resell agreements maximum amount, outstanding	$ 2.7	$ 3.6
Percentage of acquired assets and all assumed liabilities recognized in business combination	100%
Minimum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Security resell agreements maturity (in days)	30 days
Minimum | Building
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Estimated useful lives of properties (in years)	25 years
Minimum | Furniture and Equipment
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Estimated useful lives of properties (in years)	3 years
Minimum | Software
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Estimated useful lives of properties (in years)	3 years
Maximum | Building
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Estimated useful lives of properties (in years)	40 years
Maximum | Furniture and Equipment
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Estimated useful lives of properties (in years)	10 years
Maximum | Software
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Estimated useful lives of properties (in years)	10 years

Fair Value (Schedule of Assets

Fair Value (Schedule of Assets and Liabilities Measured at Fair Value by Class on a Recurring Basis) (Details) - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021
ASSETS
Investment securities, available-for-sale	$ 11,915	$ 24,048
Trading account	465	372
Total Assets	13,525	25,427
LIABILITIES
Securities sold, not yet purchased	187	254
Total Liabilities	638	305
U.S. Treasury, agencies and corporations
ASSETS
Investment securities, available-for-sale	10,208	22,278
Municipal securities
ASSETS
Investment securities, available-for-sale	1,634	1,694
Other debt securities
ASSETS
Investment securities, available-for-sale	73	76
Bank-owned life insurance
ASSETS
Other noninterest-bearing investments	546	537
Private equity investments
ASSETS
Other noninterest-bearing investments	85	101
Agriculture loan servicing and interest-only strips
ASSETS
Other assets	14	12
Derivatives
ASSETS
Other assets	386	219
LIABILITIES
Other liabilities	451	51
Level 1
ASSETS
Investment securities, available-for-sale	393	134
Trading account	395	14
Total Assets	906	321
LIABILITIES
Securities sold, not yet purchased	187	254
Total Liabilities	187	254
Level 1 | U.S. Treasury, agencies and corporations
ASSETS
Investment securities, available-for-sale	393	134
Level 1 | Municipal securities
ASSETS
Investment securities, available-for-sale
Level 1 | Other debt securities
ASSETS
Investment securities, available-for-sale
Level 1 | Bank-owned life insurance
ASSETS
Other noninterest-bearing investments
Level 1 | Private equity investments
ASSETS
Other noninterest-bearing investments	4	35
Level 1 | Agriculture loan servicing and interest-only strips
ASSETS
Other assets
Level 1 | Derivatives
ASSETS
Other assets
LIABILITIES
Other liabilities
Level 2
ASSETS
Investment securities, available-for-sale	11,522	23,914
Trading account	70	358
Total Assets	12,524	25,028
LIABILITIES
Securities sold, not yet purchased	0	0
Total Liabilities	451	51
Level 2 | U.S. Treasury, agencies and corporations
ASSETS
Investment securities, available-for-sale	9,815	22,144
Level 2 | Municipal securities
ASSETS
Investment securities, available-for-sale	1,634	1,694
Level 2 | Other debt securities
ASSETS
Investment securities, available-for-sale	73	76
Level 2 | Bank-owned life insurance
ASSETS
Other noninterest-bearing investments	546	537
Level 2 | Private equity investments
ASSETS
Other noninterest-bearing investments
Level 2 | Agriculture loan servicing and interest-only strips
ASSETS
Other assets
Level 2 | Derivatives
ASSETS
Other assets	386	219
LIABILITIES
Other liabilities	451	51
Level 3
ASSETS
Investment securities, available-for-sale	0	0
Trading account
Total Assets	95	78
LIABILITIES
Securities sold, not yet purchased	0	0
Total Liabilities	0	0
Level 3 | U.S. Treasury, agencies and corporations
ASSETS
Investment securities, available-for-sale	0	0
Level 3 | Municipal securities
ASSETS
Investment securities, available-for-sale
Level 3 | Other debt securities
ASSETS
Investment securities, available-for-sale
Level 3 | Bank-owned life insurance
ASSETS
Other noninterest-bearing investments
Level 3 | Private equity investments
ASSETS
Other noninterest-bearing investments	81	66
Level 3 | Agriculture loan servicing and interest-only strips
ASSETS
Other assets	14	12
Level 3 | Derivatives
ASSETS
Other assets
LIABILITIES
Other liabilities
Deferred compensation plan assets | Deferred compensation plan assets
ASSETS
Other assets	114	138
Deferred compensation plan assets | Level 1 | Deferred compensation plan assets
ASSETS
Other assets	114	138
Deferred compensation plan assets | Level 2 | Deferred compensation plan assets
ASSETS
Other assets
Deferred compensation plan assets | Level 3 | Deferred compensation plan assets
ASSETS
Other assets

Fair Value (Schedule of Asset_2

Fair Value (Schedule of Assets and Liabilities Measured at Fair Value by Class on a Recurring Basis Using Level 3 Inputs) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Securities gains (losses), net	Securities gains (losses), net
Debt And Equity Securities, Unrealized Gain (Loss)
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Securities gains (losses), net	Securities gains (losses), net
Other Noninterest Expense
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Other	Other
Level 3
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Unrealized securitites gains (losses), net and Other noninterest income (expense)	$ (2)	$ 31
Level 3 | Private equity investments
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at beginning of year	66	80
Purchases	16	17
Cost of investments sold	(3)	(24)
Redemptions and paydowns	0	0
Transfers out	(1)	(78)
Balance at end of year	81	66
Level 3 | Private equity investments | Debt And Equity Securities, Unrealized Gain (Loss)
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Unrealized securitites gains (losses), net and Other noninterest income (expense)	3	71
Level 3 | Private equity investments | Other Noninterest Expense
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Unrealized securitites gains (losses), net and Other noninterest income (expense)	0	0
Level 3 | Ag loan servicing & interest-only strips
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at beginning of year	12	16
Purchases	0	0
Cost of investments sold	0	0
Redemptions and paydowns	0	(1)
Transfers out	0	0
Balance at end of year	14	12
Level 3 | Ag loan servicing & interest-only strips | Debt And Equity Securities, Unrealized Gain (Loss)
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Unrealized securitites gains (losses), net and Other noninterest income (expense)	0	0
Level 3 | Ag loan servicing & interest-only strips | Other Noninterest Expense
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Unrealized securitites gains (losses), net and Other noninterest income (expense)	$ 2	$ (3)

Fair Value (Schedule of Realize

Fair Value (Schedule of Realized Gains (Losses) Using Level 3 Inputs) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Securities gains (losses), net	Securities gains (losses), net
Level 3
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities gains (losses), net	$ (2)	$ 31

Fair Value (Schedule of Carryin

Fair Value (Schedule of Carrying Values and Estimated Fair Values of Financial Instruments) (Details) - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held-to-maturity investment securities	$ 11,239	$ 443
Time deposits	2,309	1,622
Long-term debt	651	1,012
Level 2 | Fair value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held-to-maturity investment securities	11,239	443
Time deposits	2,269	1,624
Long-term debt	635	1,034
Level 2 | Carrying value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held-to-maturity investment securities	11,126	441
Time deposits	2,309	1,622
Long-term debt	651	1,012
Level 3 | Fair value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans and leases (including loans held for sale), net of allowance	53,093	50,619
Level 3 | Carrying value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans and leases (including loans held for sale), net of allowance	$ 55,086	$ 50,421

Offsetting Assets and Liabili_3

Offsetting Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Gross amounts recognized
Federal funds sold and securities purchased under agreements to resell	$ 2,451,000	$ 2,133,000
Derivatives (included in Other assets)	386,000	219,000
Total assets	2,837,000	2,352,000
Federal funds and other short-term borrowings	10,442,000	903,000
Derivatives (included in Other liabilities)	451,000	51,000
Total liabilities	10,893,000	954,000
Gross amounts offset in the balance sheet
Federal funds sold and securities purchased under agreements to resell	(25,000)	0
Derivatives (included in Other assets)	0	0
Total assets	(25,000)	0
Federal funds and other short-term borrowings	(25,000)	0
Derivatives (included in Other liabilities)	0	0
Total liabilities	(25,000)	0
Net amounts presented in the balance sheet
Federal funds sold and securities purchased under agreements to resell	2,426,000	2,133,000
Derivatives (included in Other assets)	386,000	219,000
Total assets	2,812,000	2,352,000
Federal funds and other short-term borrowings	10,417,000	903,000
Derivatives (included in Other liabilities)	451,000	51,000
Total liabilities	10,868,000	954,000
Gross amounts not offset in the balance sheet, Financial Instruments
Federal funds sold and securities purchased under agreements to resell	0	0
Derivatives (included in Other assets)	(10,000)	(16,000)
Total assets	(10,000)	(16,000)
Federal funds and other short-term borrowings	0	0
Derivatives (included in Other liabilities)	(10,000)	(16,000)
Total liabilities	(10,000)	(16,000)
Gross amounts not offset in the balance sheet, Cash collateral received/ pledged
Federal funds sold and securities purchased under agreements to resell	0	0
Derivatives (included in Other assets)	(367,000)	(7,000)
Total assets	(367,000)	(7,000)
Federal funds and other short-term borrowings	0	0
Derivatives (included in Other liabilities)	0	(1,000)
Total liabilities	$ 0	$ (1,000)
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities	Other liabilities
Net amount
Federal funds sold and securities purchased under agreements to resell	$ 2,426,000	$ 2,133,000
Derivatives (included in Other assets)	9,000	196,000
Total assets	2,435,000	2,329,000
Federal funds and other short-term borrowings	10,417,000	903,000
Derivatives (included in Other liabilities)	441,000	34,000
Total liabilities	$ 10,858,000	$ 937,000

Investments (Narrative) (Detail

Investments (Narrative) (Details) $ in Millions	Dec. 31, 2022 USD ($) security	Dec. 31, 2021 USD ($) security
Debt and Equity Securities, FV-NI [Line Items]
Number of AFS investment securities in an unrealized loss position | security	3,562	1,302
Allowance for credit loss on HTM securities (less than)	$ 1
Available-for-sale, at fair value	11,915	$ 24,048
Asset Pledged as Collateral without Right
Debt and Equity Securities, FV-NI [Line Items]
Available-for-sale, at fair value	7,100	3,100
Securities Investment
Debt and Equity Securities, FV-NI [Line Items]
Accrued interest receivable	$ 75	$ 65

Investments (Summary of Investm

Investments (Summary of Investment Securities) (Details) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Amortized cost
Held-to-maturity	$ 11,126	$ 11,126	$ 441
Available-for-sale	13,538	13,538	24,202
Total debt securities	24,664	24,664	24,643
Gross unrealized gains
Held-to-maturity	165	165
Available-for-sale	2	2	170
Total HTM and AFS investment securities	167	167	174
Gross unrealized losses
Held-to-maturity	52	52
Available-for-sale	1,625	1,625	324
Total HTM and AFS investment securities	1,677	1,677	326
Estimated fair value
Held-to-maturity	11,239	11,239	443
Available-for-sale	11,915	11,915	24,048
Total HTM and AFS investment securities	23,154	23,154	24,491
Transfer from available for sale to held-to-maturity, fair value	10,700	10,691
Investment securities available-for-sale transferred to held-to-maturity, at amortized cost (fair value $10,691)	13,100	13,097	0	$ 0
Unrealized loss amortized over the life of security	2,400
U.S. Treasury securities
Amortized cost
Available-for-sale	557	557	155
Gross unrealized gains
Available-for-sale	0	0	0
Gross unrealized losses
Available-for-sale	164	164	21
Estimated fair value
Available-for-sale	393	393	134
Agency securities
Amortized cost
Held-to-maturity	100	100
Available-for-sale	782	782	833
Gross unrealized gains
Held-to-maturity	0	0
Available-for-sale	0	0	13
Gross unrealized losses
Held-to-maturity	7	7
Available-for-sale	46	46	1
Estimated fair value
Held-to-maturity	93	93
Available-for-sale	736	736	845
Municipal securities
Amortized cost
Held-to-maturity	405	405	441
Available-for-sale	1,732	1,732	1,652
Gross unrealized gains
Held-to-maturity	0	0	4
Available-for-sale	1	1	46
Gross unrealized losses
Held-to-maturity	31	31	2
Available-for-sale	99	99	4
Estimated fair value
Held-to-maturity	374	374	443
Available-for-sale	1,634	1,634	1,694
Agency guaranteed mortgage-backed securities
Amortized cost
Held-to-maturity	10,621	10,621
Available-for-sale	9,652	9,652	20,549
Gross unrealized gains
Held-to-maturity	165	165
Available-for-sale	0	0	108
Gross unrealized losses
Held-to-maturity	14	14
Available-for-sale	1,285	1,285	270
Estimated fair value
Held-to-maturity	10,772	10,772
Available-for-sale	8,367	8,367	20,387
Small Business Administration loan-backed securities
Amortized cost
Available-for-sale	740	740	938
Gross unrealized gains
Available-for-sale	1	1	2
Gross unrealized losses
Available-for-sale	29	29	28
Estimated fair value
Available-for-sale	712	712	912
Other debt securities
Amortized cost
Available-for-sale	75	75	75
Gross unrealized gains
Available-for-sale	0	0	1
Gross unrealized losses
Available-for-sale	2	2	0
Estimated fair value
Available-for-sale	$ 73	$ 73	$ 76

Investments (Contractual Maturi

Investments (Contractual Maturities Debt Securities) (Details) - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021
Held-to-maturity, Amortized cost
Total debt securities	$ 11,126	$ 441
Due in one year or less	33
Due after one year through five years	130
Due after five years through 10 years	232
Due after 10 years	$ 10,731
Held-to-maturity, Weighted average yield
Total debt securities	1.90%
Due in one year or less	3.32%
Due after one year through five years	3.13%
Due after five years through 10 years	2.86%
Due after 10 years	1.86%
Available-for-sale, Amortized cost
Available-for-sale	$ 13,538	24,202
Due in one year or less	137
Due after one year through five years	1,386
Due after five years through 10 years	2,725
Due after 10 years	$ 9,290
Available-for-sale, Weighted average yield
Total debt securities	2.13%
Due in one year or less	2.65%
Due after one year through five years	2.48%
Due after five years through 10 years	2.15%
Due after 10 years	2.06%
Total investment securities, Amortized cost
Total debt securities	$ 24,664	24,643
Due in one year or less	170
Due after one year through five years	1,516
Due after five years through 10 years	2,957
Due after 10 years	$ 20,021
Total investment securities, Weighted average yield
Total debt securities	2.16%
Due in one year or less	2.78%
Due after one year through five years	2.54%
Due after five years through 10 years	2.21%
Due after 10 years	2.06%
U.S. Treasury securities
Available-for-sale, Amortized cost
Available-for-sale	$ 557	155
Due in one year or less	0
Due after one year through five years	0
Due after five years through 10 years	0
Due after 10 years	$ 557
Available-for-sale, Weighted average yield
Total debt securities	2.05%
Due in one year or less	0%
Due after one year through five years	0%
Due after five years through 10 years	0%
Due after 10 years	2.05%
Agency securities
Held-to-maturity, Amortized cost
Total debt securities	$ 100
Due in one year or less	0
Due after one year through five years	0
Due after five years through 10 years	0
Due after 10 years	$ 100
Held-to-maturity, Weighted average yield
Total debt securities	3.50%
Due in one year or less	0%
Due after one year through five years	0%
Due after five years through 10 years	0%
Due after 10 years	3.50%
Available-for-sale, Amortized cost
Available-for-sale	$ 782	833
Due in one year or less	0
Due after one year through five years	345
Due after five years through 10 years	230
Due after 10 years	$ 207
Available-for-sale, Weighted average yield
Total debt securities	2.61%
Due in one year or less	0%
Due after one year through five years	2.40%
Due after five years through 10 years	2.49%
Due after 10 years	3.10%
Agency guaranteed mortgage-backed securities
Held-to-maturity, Amortized cost
Total debt securities	$ 10,621
Due in one year or less	0
Due after one year through five years	0
Due after five years through 10 years	49
Due after 10 years	$ 10,572
Held-to-maturity, Weighted average yield
Total debt securities	1.84%
Due in one year or less	0%
Due after one year through five years	0%
Due after five years through 10 years	2.02%
Due after 10 years	1.84%
Available-for-sale, Amortized cost
Available-for-sale	$ 9,652	20,549
Due in one year or less	25
Due after one year through five years	305
Due after five years through 10 years	1,625
Due after 10 years	$ 7,697
Available-for-sale, Weighted average yield
Total debt securities	1.92%
Due in one year or less	4.27%
Due after one year through five years	1.53%
Due after five years through 10 years	2.03%
Due after 10 years	1.91%
Small Business Administration loan-backed securities
Available-for-sale, Amortized cost
Available-for-sale	$ 740	938
Due in one year or less	0
Due after one year through five years	43
Due after five years through 10 years	154
Due after 10 years	$ 543
Available-for-sale, Weighted average yield
Total debt securities	3.83%
Due in one year or less	0%
Due after one year through five years	4.22%
Due after five years through 10 years	3.66%
Due after 10 years	3.84%
Municipal securities
Held-to-maturity, Amortized cost
Total debt securities	$ 405	441
Due in one year or less	33
Due after one year through five years	130
Due after five years through 10 years	183
Due after 10 years	$ 59
Held-to-maturity, Weighted average yield
Total debt securities	3.05%
Due in one year or less	3.32%
Due after one year through five years	3.13%
Due after five years through 10 years	3.09%
Due after 10 years	2.61%
Available-for-sale, Amortized cost
Available-for-sale	$ 1,732	1,652
Due in one year or less	112
Due after one year through five years	643
Due after five years through 10 years	706
Due after 10 years	$ 271
Available-for-sale, Weighted average yield
Total debt securities	2.24%
Due in one year or less	2.29%
Due after one year through five years	2.73%
Due after five years through 10 years	1.90%
Due after 10 years	1.94%
Other debt securities
Available-for-sale, Amortized cost
Available-for-sale	$ 75	$ 75
Due in one year or less	0
Due after one year through five years	50
Due after five years through 10 years	10
Due after 10 years	$ 15
Available-for-sale, Weighted average yield
Total debt securities	5.39%
Due in one year or less	0%
Due after one year through five years	4.25%
Due after five years through 10 years	9.52%
Due after 10 years	6.44%

Investments (Summary of Amount

Investments (Summary of Amount of Gross Unrealized Losses for Debt Securities and Estimated Fair Value) (Details) - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021
Gross unrealized losses
Available-for-sale, Less than 12 months	$ 653	$ 236
Available-for-sale, 12 months or more	972	88
Available-for-sale, Total	1,625	324
Estimated fair value
Available-for-sale, less than 12 Months	6,673	14,049
Available-for-sale, 12 months or more	5,009	1,834
Available-for-sale, Total	11,682	15,883
U.S. Treasury securities
Gross unrealized losses
Available-for-sale, Less than 12 months	94	0
Available-for-sale, 12 months or more	70	21
Available-for-sale, Total	164	21
Estimated fair value
Available-for-sale, less than 12 Months	308	0
Available-for-sale, 12 months or more	85	134
Available-for-sale, Total	393	134
Agency securities
Gross unrealized losses
Available-for-sale, Less than 12 months	39	1
Available-for-sale, 12 months or more	7	0
Available-for-sale, Total	46	1
Estimated fair value
Available-for-sale, less than 12 Months	634	121
Available-for-sale, 12 months or more	102	1
Available-for-sale, Total	736	122
Agency guaranteed mortgage-backed securities
Gross unrealized losses
Available-for-sale, Less than 12 months	447	231
Available-for-sale, 12 months or more	838	39
Available-for-sale, Total	1,285	270
Estimated fair value
Available-for-sale, less than 12 Months	4,322	13,574
Available-for-sale, 12 months or more	4,042	942
Available-for-sale, Total	8,364	14,516
Small Business Administration loan-backed securities
Gross unrealized losses
Available-for-sale, Less than 12 months	8	0
Available-for-sale, 12 months or more	21	28
Available-for-sale, Total	29	28
Estimated fair value
Available-for-sale, less than 12 Months	101	27
Available-for-sale, 12 months or more	524	749
Available-for-sale, Total	625	776
Municipal securities
Gross unrealized losses
Available-for-sale, Less than 12 months	63	4
Available-for-sale, 12 months or more	36	0
Available-for-sale, Total	99	4
Estimated fair value
Available-for-sale, less than 12 Months	1,295	327
Available-for-sale, 12 months or more	256	8
Available-for-sale, Total	1,551	335
Other
Gross unrealized losses
Available-for-sale, Less than 12 months	2	0
Available-for-sale, 12 months or more	0	0
Available-for-sale, Total	2	0
Estimated fair value
Available-for-sale, less than 12 Months	13	0
Available-for-sale, 12 months or more	0	0
Available-for-sale, Total	$ 13	$ 0

Investments (HTM Year of Issuan

Investments (HTM Year of Issuance) (Details) - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021
Investments [Abstract]
2022	$ 2,386
2021	7,222
2020	1,121
2019	81
2018	72
Prior	244
Held-to-maturity	$ 11,126	$ 441

Investments (Gains and Losses,

Investments (Gains and Losses, Including OTTI, Recognized in Statement of Income) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Investments [Abstract]
Other noninterest-bearing investments, Nonmarketable equity securities, Gross gains	$ 11	$ 119	$ 27
Other noninterest-bearing investments, Nonmarketable equity securities, Gross losses	26	48	20
Net gains (losses)	$ (15)	$ 71	$ 7

Investments (Tax and Nontaxable

Investments (Tax and Nontaxable Income by Investment Type) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Net Investment Income [Line Items]
Held-to-maturity	$ 46	$ 15	$ 20
Available-for-sale	451	285	277
Trading	15	11	7
Interest on securities	512	311	304
Taxable
Net Investment Income [Line Items]
Held-to-maturity	42	10	10
Available-for-sale	411	256	252
Trading	0	0	0
Interest on securities	453	266	262
Nontaxable
Net Investment Income [Line Items]
Held-to-maturity	4	5	10
Available-for-sale	40	29	25
Trading	15	11	7
Interest on securities	$ 59	$ 45	$ 42

Loans, Leases, and Allowance _3

Loans, Leases, and Allowance for Credit Losses (Summary of Major Portfolio Segment and Specific Loan Class) (Details) - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans held for sale	$ 8	$ 83
Total loans and leases	55,653	50,851
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	30,495	28,440
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	16,180	13,867
Commercial | Leasing
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	386	327
Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	9,371	8,733
Commercial | Municipal
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	4,361	3,658
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	12,739	12,198
Commercial real estate | Construction and land development
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	2,513	2,757
Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	10,226	9,441
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	12,419	10,213
Consumer | Home equity credit line
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	3,377	3,016
Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	7,286	6,050
Consumer | Construction and other consumer real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	1,161	638
Consumer | Bankcard and other revolving plans
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	471	396
Consumer | Other
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	$ 124	$ 113

Loans, Leases, and Allowance _4

Loans, Leases, and Allowance for Credit Losses (Narrative) (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) mo	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Financing Receivable, Allowance for Credit Losses [Line Items]
Net unamortized purchase premiums, discounts, and deferred loan fees and cost	$ 49,000,000	$ 83,000,000
Accrued interest receivable	247,000,000	161,000,000
Loans and leases, net of unearned income and fees	$ 55,653,000,000	$ 50,851,000,000
Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Loans held for sale	$ 8,000,000	$ 83,000,000
Held-for-sale loans sold	700,000,000	1,700,000,000	$ 1,800,000,000
Payments for origination and purchases of loans held-for-sale	700,000,000	1,700,000,000	1,800,000,000
Principal balance of loans sold, serviced loans	3,500,000,000	3,300,000,000
Income from loans sold	14,000,000	34,000,000	$ 54,000,000
Financing receivable, commitments threshold for evaluating collectively or individually	$ 1,000,000
Financing receivable, minimum number of months for borrower to meet terms for TDR status | mo	6
Unfunded lending commitments	$ 7,000,000	10,000,000
Recorded investment in TDR loans modified with interest rates below market	235,000,000	326,000,000
Mortgage loans in process of foreclosure	10,000,000	10,000,000
Asset Pledged as Collateral without Right
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans held for sale	27,600,000,000	26,800,000,000
Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment in TDR loans modified with interest rates below market	38,000,000	105,000,000
Financing receivable, modifications, subsequent default, recorded investment	10,000,000	3,000,000
Doubtful
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	0
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	$ 12,739,000,000	12,198,000,000
Financing receivable, period once past due, charged off or charged down (in days)	180 days
Commercial real estate | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 10,000,000	16,000,000
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	$ 12,419,000,000	10,213,000,000
Financing receivable, period once past due, charged off or charged down (in days)	180 days
Consumer | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 5,000,000	5,000,000
Interest Rate Below Market, Including Multiple Modification Types
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment in TDR loans modified with interest rates below market	63,000,000	100,000,000
Land Acquisition and Development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	$ 262,000,000	$ 160,000,000
Closed-End Consumer Loans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, period once past due, charged off or charged down (in days)	120 days

Loans, Leases, and Allowance _5

Loans, Leases, and Allowance for Credit Losses (Summary of Changes in the Allowance for Credit Losses) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Allowance for loan and lease losses
Balance at beginning of period	$ 513	$ 777
Provision for loan losses	101	(258)	$ 385
Gross loan and lease charge-offs	82	48
Recoveries	43	42
Net loan and lease charge-offs (recoveries)	39	6
Balance at ending of period	575	513	777
Reserve for unfunded lending commitments
Balance at beginning of period	40	58
Provision for unfunded lending commitments	21	(18)	29
Balance at end of period	61	40	58
Total allowance for credit losses	636	553
Commercial
Allowance for loan and lease losses
Balance at beginning of period	311	464
Provision for loan losses	29	(147)
Gross loan and lease charge-offs	72	35
Recoveries	32	29
Net loan and lease charge-offs (recoveries)	40	6
Balance at ending of period	300	311	464
Reserve for unfunded lending commitments
Balance at beginning of period	19	30
Provision for unfunded lending commitments	(3)	(11)
Balance at end of period	16	19	30
Total allowance for credit losses	316	330
Commercial real estate
Allowance for loan and lease losses
Balance at beginning of period	107	171
Provision for loan losses	49	(67)
Gross loan and lease charge-offs	0	0
Recoveries	0	3
Net loan and lease charge-offs (recoveries)	0	(3)
Balance at ending of period	156	107	171
Reserve for unfunded lending commitments
Balance at beginning of period	11	20
Provision for unfunded lending commitments	22	(9)
Balance at end of period	33	11	20
Total allowance for credit losses	189	118
Consumer
Allowance for loan and lease losses
Balance at beginning of period	95	142
Provision for loan losses	23	(44)
Gross loan and lease charge-offs	10	13
Recoveries	11	10
Net loan and lease charge-offs (recoveries)	(1)	3
Balance at ending of period	119	95	142
Reserve for unfunded lending commitments
Balance at beginning of period	10	8
Provision for unfunded lending commitments	2	2
Balance at end of period	12	10	$ 8
Total allowance for credit losses	$ 131	$ 105

Loans, Leases, and Allowance _6

Loans, Leases, and Allowance for Credit Losses (Summary of Nonaccrual Loans) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with allowance	$ 118	$ 183
Amortized cost basis with no allowance	31	88
Total amortized cost basis	149	271
Related allowance	35	48
Accrued interest receivable written off	13	17	$ 19
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with allowance	66	115
Amortized cost basis with no allowance	21	69
Total amortized cost basis	87	184
Related allowance	28	37
Accrued interest receivable written off	12	15	16
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with allowance	52	94
Amortized cost basis with no allowance	4	30
Total amortized cost basis	56	124
Related allowance	26	34
Commercial | PPP
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with allowance	3	1
Amortized cost basis with no allowance	4	2
Total amortized cost basis	7	3
Related allowance	1	0
Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with allowance	11	20
Amortized cost basis with no allowance	13	37
Total amortized cost basis	24	57
Related allowance	1	3
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with allowance	14	14
Amortized cost basis with no allowance	0	6
Total amortized cost basis	14	20
Related allowance	2	3
Accrued interest receivable written off	1	2	2
Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with allowance	14	14
Amortized cost basis with no allowance	0	6
Total amortized cost basis	14	20
Related allowance	2	3
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with allowance	38	54
Amortized cost basis with no allowance	10	13
Total amortized cost basis	48	67
Related allowance	5	8
Accrued interest receivable written off	0	0	$ 1
Consumer | Home equity credit line
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with allowance	10	10
Amortized cost basis with no allowance	1	4
Total amortized cost basis	11	14
Related allowance	2	2
Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with allowance	28	43
Amortized cost basis with no allowance	9	9
Total amortized cost basis	37	52
Related allowance	$ 3	5
Consumer | Bankcard and other revolving plans
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with allowance		1
Amortized cost basis with no allowance		0
Total amortized cost basis		1
Related allowance		$ 1

Loans, Leases, and Allowance _7

Loans, Leases, and Allowance for Credit Losses (Summary of Past Due Loans (Accruing and Nonaccruing)) (Details) - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	$ 55,653	$ 50,851
Accruing loans 90+ days past due	6	8
Nonaccrual loans that are current	149	271
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	30,495	28,440
Accruing loans 90+ days past due	5	7
Nonaccrual loans that are current	87	184
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	12,739	12,198
Accruing loans 90+ days past due	0	0
Nonaccrual loans that are current	14	20
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	12,419	10,213
Accruing loans 90+ days past due	1	1
Nonaccrual loans that are current	48	67
Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	16,180	13,867
Accruing loans 90+ days past due	2	2
Nonaccrual loans that are current	56	124
PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	197	1,855
Accruing loans 90+ days past due	2	5
Nonaccrual loans that are current	7	3
Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	386	327
Accruing loans 90+ days past due	0	0
Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	9,371	8,733
Accruing loans 90+ days past due	1	0
Nonaccrual loans that are current	24	57
Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	4,361	3,658
Accruing loans 90+ days past due	0	0
Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	2,513	2,757
Accruing loans 90+ days past due	0	0
Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	10,226	9,441
Accruing loans 90+ days past due	0	0
Nonaccrual loans that are current	14	20
Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	3,377	3,016
Accruing loans 90+ days past due	0	0
Nonaccrual loans that are current	11	14
1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	7,286	6,050
Accruing loans 90+ days past due	0	0
Nonaccrual loans that are current	37	52
Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	1,161	638
Accruing loans 90+ days past due		0
Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	471	396
Accruing loans 90+ days past due	1	1
Nonaccrual loans that are current		1
Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	124	113
Accruing loans 90+ days past due	0	0
Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	55,491	50,684
Current | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	30,422	28,332
Current | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	12,690	12,183
Current | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	12,379	10,169
Current | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	16,148	13,822
Current | PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	183	1,813
Current | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	386	327
Current | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	9,344	8,712
Current | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	4,361	3,658
Current | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	2,511	2,757
Current | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	10,179	9,426
Current | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	3,369	3,008
Current | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	7,258	6,018
Current | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	1,161	638
Current | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	467	393
Current | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	124	112
Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	162	167
Total past due | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	73	108
Total past due | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	49	15
Total past due | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	40	44
Total past due | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	32	45
Total past due | PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	14	42
Total past due | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	0
Total past due | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	27	21
Total past due | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	0
Total past due | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	2	0
Total past due | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	47	15
Total past due | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	8	8
Total past due | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	28	32
Total past due | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	0
Total past due | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	4	3
Total past due | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	1
30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	100	82
30-89 days past due | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	44	59
30-89 days past due | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	39	10
30-89 days past due | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	17	13
30-89 days past due | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	18	17
30-89 days past due | PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	6	35
30-89 days past due | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	0
30-89 days past due | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	20	7
30-89 days past due | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	0
30-89 days past due | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	2	0
30-89 days past due | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	37	10
30-89 days past due | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	5	4
30-89 days past due | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	9	6
30-89 days past due | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	0
30-89 days past due | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	3	2
30-89 days past due | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	1
90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	62	85
90+ days past due | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	29	49
90+ days past due | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	10	5
90+ days past due | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	23	31
90+ days past due | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	14	28
90+ days past due | PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	8	7
90+ days past due | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	0
90+ days past due | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	7	14
90+ days past due | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	0
90+ days past due | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	0
90+ days past due | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	10	5
90+ days past due | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	3	4
90+ days past due | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	19	26
90+ days past due | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	0
90+ days past due | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	1	1
90+ days past due | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	0
Nonaccrual loans that are current
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	86	182
Nonaccrual loans that are current | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	60	133
Nonaccrual loans that are current | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	4	15
Nonaccrual loans that are current | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	22	34
Nonaccrual loans that are current | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	44	91
Nonaccrual loans that are current | PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	1	0
Nonaccrual loans that are current | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	0	0
Nonaccrual loans that are current | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	15	42
Nonaccrual loans that are current | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	0	0
Nonaccrual loans that are current | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	0	0
Nonaccrual loans that are current | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	4	15
Nonaccrual loans that are current | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	6	10
Nonaccrual loans that are current | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	16	24
Nonaccrual loans that are current | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	0	0
Nonaccrual loans that are current | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	0	0
Nonaccrual loans that are current | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	$ 0	$ 0

Loans, Leases, and Allowance _8

Loans, Leases, and Allowance for Credit Losses (Summary of Outstanding Loan Balances (Accruing And Nonaccruing) Categorized By Credit Quality Indicators) (Details) - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	$ 13,059	$ 12,539
2021/2020	10,344	8,182
2020/2019	6,360	5,938
2019/2018	4,239	3,865
2018/2017	2,347	2,776
Prior	5,667	5,654
Revolving loans amortized cost basis	13,064	11,327
Revolving loans converted to term loans amortized cost basis	573	570
Total loans	55,653	50,851
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	6,987	7,717
2021/2020	5,522	4,350
2020/2019	3,072	3,022
2019/2018	2,430	2,087
2018/2017	1,228	1,503
Prior	2,568	2,414
Revolving loans amortized cost basis	8,426	7,132
Revolving loans converted to term loans amortized cost basis	262	215
Total loans	30,495	28,440
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	3,508	3,078
2021/2020	2,802	2,553
2020/2019	2,186	2,094
2019/2018	1,140	1,255
2018/2017	726	575
Prior	1,276	1,505
Revolving loans amortized cost basis	893	889
Revolving loans converted to term loans amortized cost basis	208	249
Total loans	12,739	12,198
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	2,564	1,744
2021/2020	2,020	1,279
2020/2019	1,102	822
2019/2018	669	523
2018/2017	393	698
Prior	1,823	1,735
Revolving loans amortized cost basis	3,745	3,306
Revolving loans converted to term loans amortized cost basis	103	106
Total loans	12,419	10,213
Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	3,390	2,607
2021/2020	1,814	1,358
2020/2019	891	1,293
2019/2018	1,017	816
2018/2017	325	387
Prior	335	328
Revolving loans amortized cost basis	8,220	6,935
Revolving loans converted to term loans amortized cost basis	188	143
Total loans	16,180	13,867
PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	1,317
2021/2020	77	538
2020/2019	120	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	197	1,855
Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	160	46
2021/2020	71	75
2020/2019	47	74
2019/2018	66	65
2018/2017	18	43
Prior	24	24
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	386	327
Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	2,175	2,444
2021/2020	2,334	1,407
2020/2019	1,198	1,102
2019/2018	906	956
2018/2017	717	746
Prior	1,769	1,812
Revolving loans amortized cost basis	198	194
Revolving loans converted to term loans amortized cost basis	74	72
Total loans	9,371	8,733
Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	1,262	1,303
2021/2020	1,226	972
2020/2019	816	553
2019/2018	441	250
2018/2017	168	327
Prior	440	250
Revolving loans amortized cost basis	8	3
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	4,361	3,658
Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	566	640
2021/2020	672	739
2020/2019	455	544
2019/2018	103	94
2018/2017	2	24
Prior	2	2
Revolving loans amortized cost basis	617	650
Revolving loans converted to term loans amortized cost basis	96	64
Total loans	2,513	2,757
Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	2,942	2,438
2021/2020	2,130	1,814
2020/2019	1,731	1,550
2019/2018	1,037	1,161
2018/2017	724	551
Prior	1,274	1,503
Revolving loans amortized cost basis	276	239
Revolving loans converted to term loans amortized cost basis	112	185
Total loans	10,226	9,441
Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	3,276	2,913
Revolving loans converted to term loans amortized cost basis	101	103
Total loans	3,377	3,016
1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	1,913	1,391
2021/2020	1,505	1,024
2020/2019	1,026	732
2019/2018	642	487
2018/2017	384	690
Prior	1,816	1,726
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	7,286	6,050
Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	583	295
2021/2020	485	232
2020/2019	64	73
2019/2018	19	27
2018/2017	5	4
Prior	5	7
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	1,161	638
Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	469	393
Revolving loans converted to term loans amortized cost basis	2	3
Total loans	471	396
Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	68	58
2021/2020	30	23
2020/2019	12	17
2019/2018	8	9
2018/2017	4	4
Prior	2	2
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	124	113
Pass | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	3,363	2,561
2021/2020	1,799	1,309
2020/2019	864	1,179
2019/2018	876	748
2018/2017	293	354
Prior	264	239
Revolving loans amortized cost basis	8,054	6,594
Revolving loans converted to term loans amortized cost basis	182	121
Total loans	15,695	13,105
Pass | PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	1,317
2021/2020	75	535
2020/2019	115	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	190	1,852
Pass | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	160	46
2021/2020	71	74
2020/2019	47	70
2019/2018	66	64
2018/2017	18	42
Prior	19	19
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	381	315
Pass | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	2,157	2,420
2021/2020	2,285	1,366
2020/2019	1,143	1,028
2019/2018	874	868
2018/2017	654	695
Prior	1,679	1,663
Revolving loans amortized cost basis	187	177
Revolving loans converted to term loans amortized cost basis	74	69
Total loans	9,053	8,286
Pass | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	1,230	1,303
2021/2020	1,220	963
2020/2019	816	553
2019/2018	441	250
2018/2017	168	327
Prior	437	220
Revolving loans amortized cost basis	8	3
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	4,320	3,619
Pass | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	548	640
2021/2020	671	736
2020/2019	455	515
2019/2018	81	94
2018/2017	2	24
Prior	2	2
Revolving loans amortized cost basis	617	650
Revolving loans converted to term loans amortized cost basis	96	64
Total loans	2,472	2,725
Pass | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	2,861	2,407
2021/2020	2,107	1,765
2020/2019	1,686	1,491
2019/2018	1,012	1,066
2018/2017	666	529
Prior	1,229	1,401
Revolving loans amortized cost basis	276	239
Revolving loans converted to term loans amortized cost basis	112	179
Total loans	9,949	9,077
Pass | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	3,265	2,903
Revolving loans converted to term loans amortized cost basis	98	96
Total loans	3,363	2,999
Pass | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	1,913	1,391
2021/2020	1,503	1,021
2020/2019	1,024	728
2019/2018	638	484
2018/2017	381	681
Prior	1,788	1,691
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	7,247	5,996
Pass | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	583	295
2021/2020	485	232
2020/2019	64	73
2019/2018	19	27
2018/2017	5	4
Prior	5	7
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	1,161	638
Pass | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	468	391
Revolving loans converted to term loans amortized cost basis	2	3
Total loans	470	394
Pass | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	68	58
2021/2020	30	23
2020/2019	12	17
2019/2018	8	9
2018/2017	4	4
Prior	2	2
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	124	113
Special Mention | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	1	4
2021/2020	2	17
2020/2019	10	9
2019/2018	52	12
2018/2017	1	1
Prior	2	3
Revolving loans amortized cost basis	50	128
Revolving loans converted to term loans amortized cost basis	0	1
Total loans	118	175
Special Mention | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	1
2020/2019	0	4
2019/2018	0	1
2018/2017	0	1
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	7
Special Mention | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	1	10
2021/2020	15	13
2020/2019	5	19
2019/2018	8	32
2018/2017	3	18
Prior	16	50
Revolving loans amortized cost basis	1	3
Revolving loans converted to term loans amortized cost basis	0	3
Total loans	49	148
Special Mention | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	32	0
2021/2020	6	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	25
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	38	25
Special Mention | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	1	0
2021/2020	1	0
2020/2019	0	1
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	2	1
Special Mention | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	39	22
2021/2020	21	39
2020/2019	11	10
2019/2018	0	17
2018/2017	4	8
Prior	1	25
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	4
Total loans	76	125
Special Mention | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	1
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	1
Special Mention | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Special Mention | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Special Mention | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Special Mention | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Accruing Substandard | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	26	28
2021/2020	7	22
2020/2019	17	99
2019/2018	78	53
2018/2017	30	31
Prior	67	65
Revolving loans amortized cost basis	84	162
Revolving loans converted to term loans amortized cost basis	2	3
Total loans	311	463
Accruing Substandard | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	5	5
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	5	5
Accruing Substandard | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	16	14
2021/2020	33	24
2020/2019	48	41
2019/2018	20	47
2018/2017	55	24
Prior	64	79
Revolving loans amortized cost basis	9	13
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	245	242
Accruing Substandard | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	9
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	3	5
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	3	14
Accruing Substandard | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	17	0
2021/2020	0	3
2020/2019	0	28
2019/2018	22	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	39	31
Accruing Substandard | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	42	9
2021/2020	2	9
2020/2019	34	44
2019/2018	21	77
2018/2017	53	14
Prior	35	64
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	2
Total loans	187	219
Accruing Substandard | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	3	2
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	3	2
Accruing Substandard | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	1
2019/2018	0	0
2018/2017	0	0
Prior	2	1
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	2	2
Accruing Substandard | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Accruing Substandard | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	1	1
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	1	1
Accruing Substandard | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Nonaccrual | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	14
2021/2020	6	10
2020/2019	0	6
2019/2018	11	3
2018/2017	1	1
Prior	2	21
Revolving loans amortized cost basis	32	51
Revolving loans converted to term loans amortized cost basis	4	18
Total loans	56	124
Nonaccrual | PPP | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	2	3
2020/2019	5	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	7	3
Nonaccrual | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Nonaccrual | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	1	0
2021/2020	1	4
2020/2019	2	14
2019/2018	4	9
2018/2017	5	9
Prior	10	20
Revolving loans amortized cost basis	1	1
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	24	57
Nonaccrual | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Nonaccrual | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Nonaccrual | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	1
2020/2019	0	5
2019/2018	4	1
2018/2017	1	0
Prior	9	13
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	14	20
Nonaccrual | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	8	7
Revolving loans converted to term loans amortized cost basis	3	7
Total loans	11	14
Nonaccrual | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	2	3
2020/2019	2	3
2019/2018	4	3
2018/2017	3	9
Prior	26	34
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	37	52
Nonaccrual | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Nonaccrual | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	1
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	1
Nonaccrual | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	$ 0	$ 0

Loans, Leases, and Allowance _9

Loans, Leases, and Allowance for Credit Losses (Summary of Selected Information on TDRs) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	$ 235	$ 326
Interest rate below market
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	8	36
Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	53	51
Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	7	8
Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	32	50
Other
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	61	73
Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	74	108
Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	197	221
Accruing | Interest rate below market
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	4	30
Accruing | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	42	46
Accruing | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	6	7
Accruing | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	29	35
Accruing | Other
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	51	60
Accruing | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	65	43
Accruing | Commercial
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	78	84
Accruing | Commercial | Interest rate below market
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	1	24
Accruing | Commercial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	13	15
Accruing | Commercial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Accruing | Commercial | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	2	8
Accruing | Commercial | Other
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	22	18
Accruing | Commercial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	40	19
Accruing | Commercial | Commercial and industrial
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	50	31
Accruing | Commercial | Commercial and industrial | Interest rate below market
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	1	19
Accruing | Commercial | Commercial and industrial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	12	1
Accruing | Commercial | Commercial and industrial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Accruing | Commercial | Commercial and industrial | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Accruing | Commercial | Commercial and industrial | Other
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	9	4
Accruing | Commercial | Commercial and industrial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	28	7
Accruing | Commercial | Owner-occupied
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	28	43
Accruing | Commercial | Owner-occupied | Interest rate below market
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	5
Accruing | Commercial | Owner-occupied | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	1	4
Accruing | Commercial | Owner-occupied | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Accruing | Commercial | Owner-occupied | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	2	8
Accruing | Commercial | Owner-occupied | Other
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	13	14
Accruing | Commercial | Owner-occupied | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	12	12
Accruing | Commercial | Municipal
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	10
Accruing | Commercial | Municipal | Interest rate below market
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Accruing | Commercial | Municipal | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	10
Accruing | Commercial | Municipal | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Accruing | Commercial | Municipal | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Accruing | Commercial | Municipal | Other
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Accruing | Commercial | Municipal | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Accruing | Commercial real estate
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	92	106
Accruing | Commercial real estate | Interest rate below market
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	1	1
Accruing | Commercial real estate | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	27	29
Accruing | Commercial real estate | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Accruing | Commercial real estate | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	27	27
Accruing | Commercial real estate | Other
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	28	41
Accruing | Commercial real estate | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	9	8
Accruing | Commercial real estate | Construction and land development
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	8
Accruing | Commercial real estate | Construction and land development | Interest rate below market
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0
Accruing | Commercial real estate | Construction and land development | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0
Accruing | Commercial real estate | Construction and land development | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0
Accruing | Commercial real estate | Construction and land development | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0
Accruing | Commercial real estate | Construction and land development | Other
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0
Accruing | Commercial real estate | Construction and land development | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	8
Accruing | Commercial real estate | Term
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	84	106
Accruing | Commercial real estate | Term | Interest rate below market
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	1	1
Accruing | Commercial real estate | Term | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	27	29
Accruing | Commercial real estate | Term | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Accruing | Commercial real estate | Term | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	27	27
Accruing | Commercial real estate | Term | Other
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	28	41
Accruing | Commercial real estate | Term | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	1	8
Accruing | Consumer
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	27	31
Accruing | Consumer | Interest rate below market
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	2	5
Accruing | Consumer | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	2	2
Accruing | Consumer | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	6	7
Accruing | Consumer | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Accruing | Consumer | Other
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	1	1
Accruing | Consumer | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	16	16
Accruing | Consumer | Home equity credit line
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	6	8
Accruing | Consumer | Home equity credit line | Interest rate below market
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Accruing | Consumer | Home equity credit line | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	1	1
Accruing | Consumer | Home equity credit line | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	4	5
Accruing | Consumer | Home equity credit line | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Accruing | Consumer | Home equity credit line | Other
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Accruing | Consumer | Home equity credit line | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	1	2
Accruing | Consumer | 1-4 family residential
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	21	23
Accruing | Consumer | 1-4 family residential | Interest rate below market
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	2	5
Accruing | Consumer | 1-4 family residential | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	1	1
Accruing | Consumer | 1-4 family residential | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	2	2
Accruing | Consumer | 1-4 family residential | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Accruing | Consumer | 1-4 family residential | Other
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	1	1
Accruing | Consumer | 1-4 family residential | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	15	14
Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	38	105
Nonaccruing | Interest rate below market
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	4	6
Nonaccruing | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	11	5
Nonaccruing | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	1	1
Nonaccruing | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	3	15
Nonaccruing | Other
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	10	13
Nonaccruing | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	9	65
Nonaccruing | Commercial
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	23	84
Nonaccruing | Commercial | Interest rate below market
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	4	6
Nonaccruing | Commercial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	4
Nonaccruing | Commercial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Nonaccruing | Commercial | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	3	4
Nonaccruing | Commercial | Other
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	9	8
Nonaccruing | Commercial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	7	62
Nonaccruing | Commercial | Commercial and industrial
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	15	64
Nonaccruing | Commercial | Commercial and industrial | Interest rate below market
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	1
Nonaccruing | Commercial | Commercial and industrial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	4
Nonaccruing | Commercial | Commercial and industrial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Nonaccruing | Commercial | Commercial and industrial | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	3	2
Nonaccruing | Commercial | Commercial and industrial | Other
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	9	8
Nonaccruing | Commercial | Commercial and industrial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	3	49
Nonaccruing | Commercial | Owner-occupied
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	8	20
Nonaccruing | Commercial | Owner-occupied | Interest rate below market
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	4	5
Nonaccruing | Commercial | Owner-occupied | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Nonaccruing | Commercial | Owner-occupied | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Nonaccruing | Commercial | Owner-occupied | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	2
Nonaccruing | Commercial | Owner-occupied | Other
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Nonaccruing | Commercial | Owner-occupied | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	4	13
Nonaccruing | Commercial real estate
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	10	16
Nonaccruing | Commercial real estate | Interest rate below market
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Nonaccruing | Commercial real estate | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	10	0
Nonaccruing | Commercial real estate | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Nonaccruing | Commercial real estate | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	11
Nonaccruing | Commercial real estate | Other
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	2
Nonaccruing | Commercial real estate | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	3
Nonaccruing | Commercial real estate | Term
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	10	16
Nonaccruing | Commercial real estate | Term | Interest rate below market
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Nonaccruing | Commercial real estate | Term | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	10	0
Nonaccruing | Commercial real estate | Term | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Nonaccruing | Commercial real estate | Term | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	11
Nonaccruing | Commercial real estate | Term | Other
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	2
Nonaccruing | Commercial real estate | Term | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	3
Nonaccruing | Consumer
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	5	5
Nonaccruing | Consumer | Interest rate below market
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Nonaccruing | Consumer | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	1	1
Nonaccruing | Consumer | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	1	1
Nonaccruing | Consumer | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Nonaccruing | Consumer | Other
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	1	3
Nonaccruing | Consumer | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	2	0
Nonaccruing | Consumer | Home equity credit line
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	1	1
Nonaccruing | Consumer | Home equity credit line | Interest rate below market
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Nonaccruing | Consumer | Home equity credit line | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Nonaccruing | Consumer | Home equity credit line | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	1	1
Nonaccruing | Consumer | Home equity credit line | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Nonaccruing | Consumer | Home equity credit line | Other
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Nonaccruing | Consumer | Home equity credit line | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Nonaccruing | Consumer | 1-4 family residential
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	4	4
Nonaccruing | Consumer | 1-4 family residential | Interest rate below market
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Nonaccruing | Consumer | 1-4 family residential | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	1	1
Nonaccruing | Consumer | 1-4 family residential | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Nonaccruing | Consumer | 1-4 family residential | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	0	0
Nonaccruing | Consumer | 1-4 family residential | Other
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	1	3
Nonaccruing | Consumer | 1-4 family residential | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment resulting from the following modification types	$ 2	$ 0

Loans, Leases, and Allowance_10

Loans, Leases, and Allowance for Credit Losses (Collateral-Dependent Loans) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized Cost	$ 7	$ 47
Recorded investment resulting from the following modification types	235	326
Interest rate below market
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment resulting from the following modification types	8	36
Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment resulting from the following modification types	38	105
Nonaccruing | Interest rate below market
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment resulting from the following modification types	4	6
Commercial | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment resulting from the following modification types	23	84
Commercial | Nonaccruing | Interest rate below market
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment resulting from the following modification types	4	6
Commercial real estate | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment resulting from the following modification types	10	16
Commercial real estate | Nonaccruing | Interest rate below market
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment resulting from the following modification types	0	0
Consumer | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment resulting from the following modification types	5	5
Consumer | Nonaccruing | Interest rate below market
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment resulting from the following modification types	0	0
Commercial and industrial | Commercial | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment resulting from the following modification types	15	64
Commercial and industrial | Commercial | Nonaccruing | Interest rate below market
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment resulting from the following modification types	0	1
Commercial and industrial | Commercial | Corporate assets, Single family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized Cost		$ 27
Weighted Average LTV		55%
Owner-occupied | Commercial | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment resulting from the following modification types	8	$ 20
Owner-occupied | Commercial | Nonaccruing | Interest rate below market
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment resulting from the following modification types	4	5
Owner-occupied | Commercial | Land, Warehouse, Office Building
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized Cost	$ 2	$ 11
Weighted Average LTV	29%	40%
Term | Commercial real estate | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment resulting from the following modification types	$ 10	$ 16
Term | Commercial real estate | Nonaccruing | Interest rate below market
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment resulting from the following modification types	0	0
Term | Commercial real estate | Multi-family, Retail
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized Cost	$ 1	$ 2
Weighted Average LTV	55%	28%
Home equity credit line | Consumer | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment resulting from the following modification types	$ 1	$ 1
Home equity credit line | Consumer | Nonaccruing | Interest rate below market
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment resulting from the following modification types	0	0
Home equity credit line | Consumer | Single family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized Cost	$ 1	$ 5
Weighted Average LTV	13%	45%
1-4 family residential | Consumer | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment resulting from the following modification types	$ 4	$ 4
1-4 family residential | Consumer | Nonaccruing | Interest rate below market
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment resulting from the following modification types	0	0
1-4 family residential | Consumer | Single family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized Cost	$ 3	$ 2
Weighted Average LTV	41%	35%

Derivative Instruments and He_3

Derivative Instruments and Hedging Activities (Narrative) (Details)	Dec. 31, 2022 USD ($) derivative_instrument	Dec. 31, 2021 USD ($)
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	$ 24,498,000,000	$ 22,610,000,000
Redesignated swaps, unamortized basis adjustments	10,000,000
Derivative liability, fair value	451,000,000	51,000,000
Cash collateral pledged for derivative liabilities	152,000,000
Additional collateral that would be required to be pledge if credit rating was downgraded by one notch	0
Other liabilities
Derivative Instruments, Gain (Loss) [Line Items]
Derivative liability, fair value	451,000,000	51,000,000
Derivatives designated as hedges
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	9,361,000,000	7,862,000,000
Derivatives designated as hedges | Other liabilities
Derivative Instruments, Gain (Loss) [Line Items]
Derivative liability, fair value	1,000,000	0
Fair Value Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Redesignated swaps, unamortized basis adjustments	$ 1,000,000
Fair Value Hedging | Derivatives designated as hedges | Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Number of interest rate derivatives remaining | derivative_instrument	1
Derivative, notional amount	$ 500,000,000	500,000,000
Fair Value Hedging | Derivatives designated as hedges | Asset hedges: Pay-fixed interest rate swaps 1
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	1,228,000,000	479,000,000
Fair Value Hedging | Derivatives designated as hedges | Other liabilities | Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivative liability, fair value	0	0
Fair Value Hedging | Derivatives designated as hedges | Other liabilities | Asset hedges: Pay-fixed interest rate swaps 1
Derivative Instruments, Gain (Loss) [Line Items]
Derivative liability, fair value	0	0
Cash Flow Hedging | Derivatives designated as hedges
Derivative Instruments, Gain (Loss) [Line Items]
Deferred gain (loss) in OCI	410,000,000
Cash Flow Hedging | Derivatives designated as hedges | Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	7,633,000,000	6,883,000,000
Cash Flow Hedging | Derivatives designated as hedges | Other liabilities | Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivative liability, fair value	$ 1,000,000	$ 0

Derivative Instruments and He_4

Derivative Instruments and Hedging Activities (Notional and Recorded Fair Values) (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Derivative [Line Items]
Notional amount	$ 24,498,000,000	$ 22,610,000,000
Derivative asset, fair value	386,000,000	219,000,000
Derivative liability, fair value	451,000,000	51,000,000
Net credit valuation adjustment reducing fair value	13,000,000	3,000,000
Other assets
Derivative [Line Items]
Derivative asset, fair value	386,000,000	219,000,000
Other liabilities
Derivative [Line Items]
Derivative liability, fair value	451,000,000	51,000,000
Derivatives designated as hedging instruments
Derivative [Line Items]
Notional amount	9,361,000,000	7,862,000,000
Derivatives designated as hedging instruments | Other assets
Derivative [Line Items]
Derivative asset, fair value	84,000,000	10,000,000
Derivatives designated as hedging instruments | Other liabilities
Derivative [Line Items]
Derivative liability, fair value	1,000,000	0
Derivatives designated as hedging instruments | Purchased interest rate floors | Cash Flow Hedging
Derivative [Line Items]
Notional amount	0	0
Derivatives designated as hedging instruments | Purchased interest rate floors | Other assets | Cash Flow Hedging
Derivative [Line Items]
Derivative asset, fair value	0	0
Derivatives designated as hedging instruments | Purchased interest rate floors | Other liabilities | Cash Flow Hedging
Derivative [Line Items]
Derivative liability, fair value	0	0
Derivatives designated as hedging instruments | Interest rate swaps | Cash Flow Hedging
Derivative [Line Items]
Notional amount	7,633,000,000	6,883,000,000
Derivatives designated as hedging instruments | Interest rate swaps | Fair Value Hedging
Derivative [Line Items]
Notional amount	500,000,000	500,000,000
Derivatives designated as hedging instruments | Interest rate swaps | Other assets | Cash Flow Hedging
Derivative [Line Items]
Derivative asset, fair value	0	0
Derivatives designated as hedging instruments | Interest rate swaps | Other assets | Fair Value Hedging
Derivative [Line Items]
Derivative asset, fair value	0	0
Derivatives designated as hedging instruments | Interest rate swaps | Other liabilities | Cash Flow Hedging
Derivative [Line Items]
Derivative liability, fair value	1,000,000	0
Derivatives designated as hedging instruments | Interest rate swaps | Other liabilities | Fair Value Hedging
Derivative [Line Items]
Derivative liability, fair value	0	0
Derivatives designated as hedging instruments | Asset hedges: Pay-fixed interest rate swaps 1 | Fair Value Hedging
Derivative [Line Items]
Notional amount	1,228,000,000	479,000,000
Derivatives designated as hedging instruments | Asset hedges: Pay-fixed interest rate swaps 1 | Other assets | Fair Value Hedging
Derivative [Line Items]
Derivative asset, fair value	84,000,000	10,000,000
Derivatives designated as hedging instruments | Asset hedges: Pay-fixed interest rate swaps 1 | Other liabilities | Fair Value Hedging
Derivative [Line Items]
Derivative liability, fair value	0	0
Derivatives not designated as hedging instruments
Derivative [Line Items]
Notional amount	15,137,000,000	14,748,000,000
Derivatives not designated as hedging instruments | Other assets
Derivative [Line Items]
Derivative asset, fair value	302,000,000	209,000,000
Derivatives not designated as hedging instruments | Other liabilities
Derivative [Line Items]
Derivative liability, fair value	450,000,000	51,000,000
Derivatives not designated as hedging instruments | Customer interest rate derivatives
Derivative [Line Items]
Notional amount	13,670,000,000	13,174,000,000
Derivatives not designated as hedging instruments | Customer interest rate derivatives | Other assets
Derivative [Line Items]
Derivative asset, fair value	296,000,000	200,000,000
Derivatives not designated as hedging instruments | Customer interest rate derivatives | Other liabilities
Derivative [Line Items]
Derivative liability, fair value	443,000,000	48,000,000
Derivatives not designated as hedging instruments | Other interest rate derivatives
Derivative [Line Items]
Notional amount	862,000,000	1,286,000,000
Derivatives not designated as hedging instruments | Other interest rate derivatives | Other assets
Derivative [Line Items]
Derivative asset, fair value	0	6,000,000
Derivatives not designated as hedging instruments | Other interest rate derivatives | Other liabilities
Derivative [Line Items]
Derivative liability, fair value	0	1,000,000
Derivatives not designated as hedging instruments | Foreign exchange derivatives
Derivative [Line Items]
Notional amount	605,000,000	288,000,000
Derivatives not designated as hedging instruments | Foreign exchange derivatives | Other assets
Derivative [Line Items]
Derivative asset, fair value	6,000,000	3,000,000
Derivatives not designated as hedging instruments | Foreign exchange derivatives | Other liabilities
Derivative [Line Items]
Derivative liability, fair value	$ 7,000,000	$ 2,000,000

Derivative Instruments and He_5

Derivative Instruments and Hedging Activities (Derivative gain (loss) recognized/reclassified) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Derivative Instruments, Gain (Loss) [Line Items]
Amount of gain/(loss) reclassified from AOCI into income	$ (21)	$ 46	$ 36
Gains to be reclassified within the next 12 months into interest income	205	32
Derivatives designated as hedges
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	(437)	(34)
Excluded components deferred in AOCI (amortization approach)	0	0
Amount of gain/(loss) reclassified from AOCI into income	(27)	62
Interest on fair value hedges	4	15
Hedge ineffectiveness / AOCI reclass due to missed forecast	(1)	0
Derivatives designated as hedges | Cash Flow Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Terminated or redesignated, unamortized basis adjustments	10	7
Derivatives designated as hedges | Cash Flow Hedging | Purchased interest rate floors
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	0	0
Excluded components deferred in AOCI (amortization approach)	0	0
Amount of gain/(loss) reclassified from AOCI into income	2	11
Interest on fair value hedges	0	0
Hedge ineffectiveness / AOCI reclass due to missed forecast	0	0
Derivatives designated as hedges | Cash Flow Hedging | Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	(437)	(34)
Excluded components deferred in AOCI (amortization approach)	0	0
Amount of gain/(loss) reclassified from AOCI into income	(29)	51
Interest on fair value hedges	0	0
Hedge ineffectiveness / AOCI reclass due to missed forecast	0	0
Derivatives designated as hedges | Fair Value Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Terminated or redesignated, unamortized basis adjustments	0	1
Derivatives designated as hedges | Fair Value Hedging | Receive-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	0	0
Excluded components deferred in AOCI (amortization approach)	0	0
Amount of gain/(loss) reclassified from AOCI into income	0	0
Interest on fair value hedges	(1)	8
Hedge ineffectiveness / AOCI reclass due to missed forecast	0	0
Derivatives designated as hedges | Fair Value Hedging | Basis amortization on terminated hedges, liability hedges
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	0	0
Excluded components deferred in AOCI (amortization approach)	0	0
Amount of gain/(loss) reclassified from AOCI into income	0	0
Interest on fair value hedges	1	10
Hedge ineffectiveness / AOCI reclass due to missed forecast	0	0
Derivatives designated as hedges | Fair Value Hedging | Pay-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	0	0
Excluded components deferred in AOCI (amortization approach)	0	0
Amount of gain/(loss) reclassified from AOCI into income	0	0
Interest on fair value hedges	4	(3)
Hedge ineffectiveness / AOCI reclass due to missed forecast	(1)	0
Derivatives designated as hedges | Fair Value Hedging | Basis amortization on terminated hedges, asset hedges
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	0	0
Excluded components deferred in AOCI (amortization approach)	0	0
Amount of gain/(loss) reclassified from AOCI into income	0	0
Interest on fair value hedges	0	0
Hedge ineffectiveness / AOCI reclass due to missed forecast	$ 0	$ 0

Derivative Instruments and He_6

Derivative Instruments and Hedging Activities (Derivatives Not Designated As Hedges) (Details) - Derivatives not designated as hedging instruments - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	$ 72	$ 49
Customer interest rate derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	43	34
Other interest rate derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	0	(12)
Foreign exchange derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	$ 29	$ 27

Derivative Instruments and He_7

Derivative Instruments and Hedging Activities (Gain (loss) recorded in income) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Derivative Instruments, Gain (Loss) [Line Items]
Total income statement impact	$ 16	$ 14	$ (6)
Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives	(79)	(30)
Hedged items	79	30
Total income statement impact	0	0
Asset hedges: Pay-fixed interest rate swaps 1
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives	224	23
Hedged items	(225)	(23)
Total income statement impact	$ (1)	$ 0

Derivative Instruments and He_8

Derivative Instruments and Hedging Activities (Long-term debt hedged items) (Details) - Fair Value Hedging - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Derivative Instruments, Gain (Loss) [Line Items]
Par value of hedged liabilities	$ (500,000,000)	$ (500,000,000)
Carrying amount of hedged liabilities	(435,000,000)	(507,000,000)
Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged liabilities	65,000,000	(7,000,000)
Par value of hedged assets	1,228,000,000	479,000,000
Carrying amount of hedged assets	962,000,000	435,000,000
Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets	$ (266,000,000)	$ (44,000,000)

Leases (Narrative) (Details)

Leases (Narrative) (Details) $ in Millions	12 Months Ended
	Dec. 31, 2022 USD ($) branch	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Leases [Abstract]
Number of branches | branch	416
Number of branches owned | branch	277
Number of branches leased | branch	139
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Other assets	Other assets
Finance Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Premises, equipment and software, net	Premises, equipment and software, net
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other liabilities	Other liabilities
Finance Lease, Liability, Statement of Financial Position [Extensible List]	Long-term debt	Long-term debt
Operating lease right-of-use assets	$ 173	$ 195
ROU assets, net of amortization	4	4
Operating lease income	14	13	$ 12
Sales-type or direct financing leases	386	327
Sales-type or direct financing leases income	$ 12	$ 11	$ 13

Leases (Assets and Liabilities)

Leases (Assets and Liabilities) (Details) - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021
Leases [Abstract]
ROU assets, net of amortization	$ 173	$ 195
Lease liabilities	198	222
ROU assets, net of amortization	4	4
Finance lease obligations	$ 4	$ 4
Weighted average remaining lease term, operating leases (in years)	8 years 4 months 24 days	8 years 6 months
Weighted average remaining lease term, finance leases (in years)	17 years 4 months 24 days	18 years 3 months 18 days
Weighted average discount rate, operating leases	2.90%	2.80%
Weighted average discount rate, finance leases	3.10%	3.10%

Leases (Components of Lease Exp

Leases (Components of Lease Expense) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Leases [Abstract]
Operating lease expense	$ 46	$ 47	$ 49
Other expenses associated with operating leases 1	51	50	49
Total lease expense	97	97	98
Related cash disbursements for operating leases	50	50	$ 51
ROU assets related to new leases	$ 7	$ 1

Leases (Maturities Analysis) (D

Leases (Maturities Analysis) (Details) $ in Millions	Dec. 31, 2022 USD ($)
Leases [Abstract]
2023	$ 47
2024	39
2025	29
2026	24
2027	15
Thereafter	75
Total	$ 229

Premises, Equipment and Softw_3

Premises, Equipment and Software (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Land	$ 264	$ 265
Buildings	943	868
Furniture and equipment	346	378
Leasehold improvements	151	168
Software	730	664
Total	2,434	2,343
Less accumulated depreciation and amortization	1,026	1,024
Net book value	1,408	1,319
Capitalized costs	$ 298	$ 348

Goodwill and Other Intangible_3

Goodwill and Other Intangible Assets (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill impairment loss	$ 0	$ 0

Goodwill and Other Intangible_4

Goodwill and Other Intangible Assets (Schedule Of Goodwill) (Details) - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021
Goodwill [Line Items]
Goodwill	$ 1,027	$ 1,014
Core deposits and other intangibles, net of accumulated amortization	38	1
Goodwill and intangibles	1,065	1,015
Amegy
Goodwill [Line Items]
Goodwill	615	615
CB&T
Goodwill [Line Items]
Goodwill	379	379
Zions Bank
Goodwill [Line Items]
Goodwill	20	20
Nevada State Bank
Goodwill [Line Items]
Goodwill	$ 13	$ 0

Deposits - (Categories) (Detail

Deposits - (Categories) (Details) - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021
Other Liabilities Disclosure [Abstract]
Noninterest-bearing demand	$ 35,777	$ 41,053
Savings and money market	33,566	40,114
Time	2,309	1,622
Total deposits	$ 71,652	$ 82,789

Deposits (Scheduled Maturities

Deposits (Scheduled Maturities Of All Time Deposits) (Details) - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021
Deposits [Abstract]
2023	$ 2,038
2024	145
2025	64
2026	36
2027	25
Thereafter	1
Total	$ 2,309	$ 1,622

Deposits (Schedule of Contractu

Deposits (Schedule of Contractual Maturities of Time Deposits With a Denomination of $100,000 and Over) (Details) $ in Millions	Dec. 31, 2022 USD ($)
Deposits [Abstract]
Three months or less	$ 106
After three months through six months	87
After six months through twelve months	263
After twelve months	71
Total	$ 527

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021
Deposits [Abstract]
Time deposits, less than $250,000	$ 1,800	$ 1,000
Deposit overdrafts reclassified as loan balances	$ 21	$ 8

Short-Term Borrowings (Summary

Short-Term Borrowings (Summary of Short-Term Borrowings) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Short-term Debt [Line Items]
Year-end balance	$ 10,417	$ 903
Securities sold, not yet purchased	187	254
Total federal funds and other short-term borrowings	10,417	903
Federal Home Loan Bank advances
Short-term Debt [Line Items]
Average amount outstanding	$ 1,257	$ 0
Average rate	3.67%	0%
Highest month-end balance	$ 7,100	$ 0
Year-end balance	$ 7,100	$ 0
Average rate on outstanding advances at year-end	4.43%	0%
Total federal funds and other short-term borrowings	$ 7,100	$ 0
Federal funds purchased
Short-term Debt [Line Items]
Other short-term borrowings, year-end balances	232	421
Security repurchase agreements
Short-term Debt [Line Items]
Other short-term borrowings, year-end balances	$ 2,898	$ 228

Short-Term Borrowings (Narrativ

Short-Term Borrowings (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Short-term Debt [Line Items]
Percentage of outstanding advance for unencumbered collateral	100%
Amount available for FHLB advances	$ 9,400
Amount available for Federal Reserve borrowings	10,417	$ 903
Federal Reserve Bank Advances
Short-term Debt [Line Items]
Amount available for Federal Reserve borrowings	$ 4,000
Federal Funds Purchased and Securities Sold under Agreements to Repurchase
Short-term Debt [Line Items]
Maturity period	30 days

Long-Term Debt (Schedule of Lon

Long-Term Debt (Schedule of Long-Term Debt) (Details) - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021
Long-Term Debt, Unclassified [Abstract]
Subordinated notes	$ 519	$ 590
Senior notes	128	418
Finance lease obligations	4	4
Total	$ 651	$ 1,012

Long-Term Debt (Narrative) (Det

Long-Term Debt (Narrative) (Details)	1 Months Ended	3 Months Ended	12 Months Ended
	Feb. 28, 2022 USD ($)	Mar. 31, 2022 USD ($)	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($) derivative
Debt Instrument [Line Items]
Number of derivatives terminated | derivative					2
Redeemed amount			$ 290,000,000	$ 286,000,000	$ 429,000,000
Senior Notes, Interest Rate 3.50% | Senior Notes
Debt Instrument [Line Items]
Redemption of senior debt		$ 290,000,000
Subordinated Notes, Interest Rate 3.25% | Subordinated Debt
Debt Instrument [Line Items]
Face amount of debt					$ 500,000,000
Debt interest rate			3.25%
Subordinated Notes, Interest Rate 6.95% | London Interbank Offered Rate (LIBOR)
Debt Instrument [Line Items]
Annual floating rate basis spread on variable rate			3.89%
Subordinated Notes, Interest Rate 6.95% | Subordinated Debt
Debt Instrument [Line Items]
Debt interest rate			6.95%
Senior Notes, Interest Rate 3.35% | Senior Notes
Debt Instrument [Line Items]
Debt interest rate	3.35%
Redeemed amount	$ 290,000,000
Maturity period	4 years

Long-Term Debt (Schedule of Sub

Long-Term Debt (Schedule of Subordinated Notes) (Details) - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021
Subordinated Borrowing [Line Items]
Subordinated notes	$ 519	$ 590
Subordinated notes, Par amount	588
Subordinated Notes, Interest Rate 6.95%
Subordinated Borrowing [Line Items]
Subordinated notes	88
Subordinated notes, Par amount	$ 88
Subordinated Notes, Interest Rate 6.95% | Subordinated Debt
Subordinated Borrowing [Line Items]
Coupon rate	6.95%
Subordinated Notes, Interest Rate 3.25%
Subordinated Borrowing [Line Items]
Subordinated notes	$ 431
Subordinated notes, Par amount	$ 500
Subordinated Notes, Interest Rate 3.25% | Subordinated Debt
Subordinated Borrowing [Line Items]
Coupon rate	3.25%

Long-Term Debt (Schedule of Sen

Long-Term Debt (Schedule of Senior Notes) (Details) - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021
Debt Instrument [Line Items]
Senior notes	$ 128	$ 418
Senior Notes, Interest Rate 4.50%
Debt Instrument [Line Items]
Senior notes	128
Senior notes, Par amount	$ 128
Senior Notes, Interest Rate 4.50% | Senior Notes
Debt Instrument [Line Items]
Coupon rate	4.50%

Long-Term Debt (Schedule of Mat

Long-Term Debt (Schedule of Maturities on Long-Term Debt) (Details) $ in Millions	Dec. 31, 2022 USD ($)
Long-Term Debt, Unclassified [Abstract]
2023	$ 128
2024	0
2025	0
2026	0
2027	0
Thereafter	587
Total	$ 715

Shareholders' Equity (Narrative

Shareholders' Equity (Narrative) (Details) - USD ($) $ / shares in Units, $ in Millions	1 Months Ended	3 Months Ended		12 Months Ended
	Feb. 23, 2023	Dec. 31, 2022	Jun. 30, 2021	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Schedule of Equity Method Investments [Line Items]
Preferred stock, authorized shares (in shares)		4,400,000		4,400,000	4,400,000
Liquidation preference of preferred stock (per share)		$ 1,000		$ 1,000
Preferred stock, liquidation preference per depositary share (in dollars per share)		$ 25		$ 25
Depositary share, preferred stock ownership interest				0.025%
Stock redemption					$ 126
Shares outstanding (in shares)		148,700,000		148,700,000
Common stock, par value (in dollars per share)		$ 0.001		$ 0.001	$ 0.001
Common stock and additional paid-in capital		$ 1,800		$ 1,800
Common stock and additional paid-in capital decrease		$ 174		$ 174
Common stock and additional paid-in capital decrease (as a percent)		9%		9%
Common stock repurchased (in shares)				3,600,000	13,500,000
Fair value of stock repurchased				$ 200	$ 800
Average price per share of stock repurchased (in dollars per share)				$ 56.13	$ 59.27
Other comprehensive income (loss)				$ (3,032)	$ (405)	$ 282
Accumulated other comprehensive income (loss)		$ (3,112)		(3,112)	(80)
Transfer from available for sale to held-to-maturity, fair value		10,700		10,691
Investment securities available-for-sale transferred to held-to-maturity, at amortized cost (fair value $10,691)		13,100		13,097	0	0
Common stock held in trust		14		14	13
Total invested assets of trusts		114		114	138
Total obligations of trusts		$ 128		128	151
Fair value of stock repurchased				$ 202	$ 800	$ 76
Subsequent Event
Schedule of Equity Method Investments [Line Items]
Common stock repurchased (in shares)	946,644
Fair value of stock repurchased	$ 50
Average price per share of stock repurchased (in dollars per share)	$ 52.82
Series H Preferred Stock
Schedule of Equity Method Investments [Line Items]
Preferred stock dividend rate			5.75%
Stock redemption			$ 126

Shareholders' Equity (Preferred

Shareholders' Equity (Preferred Stock) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Schedule of Equity Method Investments [Line Items]
Carrying value, Preferred stock	$ 440	$ 440
Preferred stock, Authorized (in shares)	4,400,000	4,400,000
London Interbank Offered Rate (LIBOR)
Schedule of Equity Method Investments [Line Items]
Preferred stock dividend rate basis spread on variable rate	0.52%
Parent | Series A
Schedule of Equity Method Investments [Line Items]
Carrying value, Preferred stock	$ 67	$ 67
Preferred stock, Authorized (in shares)	140,000,000
Preferred stock, Outstanding (in shares)	66,139,000
Preferred stock dividend rate	4%
Earliest redemption date	Dec. 15, 2011
Parent | Series G
Schedule of Equity Method Investments [Line Items]
Carrying value, Preferred stock	$ 138	138
Preferred stock, Authorized (in shares)	200,000,000
Preferred stock, Outstanding (in shares)	138,390,000
Preferred stock dividend rate	6.30%
Earliest redemption date	Mar. 15, 2023
Parent | Series G | London Interbank Offered Rate (LIBOR)
Schedule of Equity Method Investments [Line Items]
Preferred stock dividend rate basis spread on variable rate	4.24%
Parent | Series I
Schedule of Equity Method Investments [Line Items]
Carrying value, Preferred stock	$ 99	99
Preferred stock, Authorized (in shares)	300,893,000
Preferred stock, Outstanding (in shares)	98,555,000
Preferred stock dividend rate	5.80%
Earliest redemption date	Jun. 15, 2023
Parent | Series I | London Interbank Offered Rate (LIBOR)
Schedule of Equity Method Investments [Line Items]
Preferred stock dividend rate basis spread on variable rate	3.80%
Parent | Series J
Schedule of Equity Method Investments [Line Items]
Carrying value, Preferred stock	$ 136	$ 136
Preferred stock, Authorized (in shares)	195,152,000
Preferred stock, Outstanding (in shares)	136,368,000
Preferred stock dividend rate	7.20%
Earliest redemption date	Sep. 15, 2023
Parent | Series J | London Interbank Offered Rate (LIBOR)
Schedule of Equity Method Investments [Line Items]
Preferred stock dividend rate basis spread on variable rate	4.44%

Shareholders' Equity (Summary O

Shareholders' Equity (Summary Of Changes In Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	$ 7,463	$ 7,886	$ 7,353
Other comprehensive loss before reclassifications, net of tax	(3,053)	(359)
Amounts reclassified from AOCI, net of tax	21	(46)
Other comprehensive income (loss), net of tax	(3,032)	(405)	282
Ending balance	4,893	7,463	7,886
Income tax benefit included in other comprehensive loss	(989)	(131)
Total
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(80)	325	43
Ending balance	(3,112)	(80)	325
Net unrealized gains (losses) on investment securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(78)	258
Other comprehensive loss before reclassifications, net of tax	(2,722)	(336)
Amounts reclassified from AOCI, net of tax	0	0
Other comprehensive income (loss), net of tax	(2,722)	(336)
Ending balance	(2,800)	(78)	258
Income tax benefit included in other comprehensive loss	(888)	(109)
Net unrealized gains (losses) on derivatives and other
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	0	69
Other comprehensive loss before reclassifications, net of tax	(332)	(23)
Amounts reclassified from AOCI, net of tax	21	(46)
Other comprehensive income (loss), net of tax	(311)	(69)
Ending balance	(311)	0	69
Income tax benefit included in other comprehensive loss	(101)	(22)
Pension and post-retirement
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(2)	(2)
Other comprehensive loss before reclassifications, net of tax	1	0
Amounts reclassified from AOCI, net of tax	0	0
Other comprehensive income (loss), net of tax	1	0
Ending balance	(1)	(2)	$ (2)
Income tax benefit included in other comprehensive loss	$ 0	$ 0

Shareholders' Equity (Amounts R

Shareholders' Equity (Amounts Reclassified from AOCI) (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Accumulated other comprehensive income [Line Items]
Interest and fees on loans									$ 2,112	$ 1,935	$ 2,050
Other noninterest expense									(105)	(87)	(100)
Income tax expense (benefit)									245	317	133
Net income	$ 284	$ 217	$ 203	$ 203	$ 213	$ 240	$ 354	$ 322	907	1,129	539
Net unrealized gains (losses) on derivative instruments | Amounts reclassified from AOCI
Accumulated other comprehensive income [Line Items]
Interest and fees on loans									(27)	61	47
Income tax expense (benefit)									(6)	15	11
Net income									(21)	46	36
Amortization of net actuarial loss 2 | Amounts reclassified from AOCI
Accumulated other comprehensive income [Line Items]
Other noninterest expense									0	0	(28)
Income tax expense (benefit)									0	0	(7)
Net income									$ 0	$ 0	$ (21)

Regulatory Matters (Summary of

Regulatory Matters (Summary of Actual Capital Amounts and Ratios for the Company and Its Three Largest Subsidiary Banks) (Details) $ in Millions	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Total capital (to risk-weighted assets), Actual Amount	$ 8,077	$ 7,652
Total capital (to risk-weighted assets), Capital Ratio	0.122	0.128
Total capital (to risk-weighted assets), To be well capitalized, Amount	$ 6,611	$ 5,960
Total capital (to risk-weighted assets), To be well capitalized, Ratio	0.100	0.100
Tier 1 capital (to risk-weighted assets), Actual Amount	$ 6,921	$ 6,508
Tier 1 capital (to risk-weighted assets), Capital Ratio	0.105	0.109
Tier 1 capital (to risk-weighted assets), To be well capitalized, Amount	$ 5,289	$ 4,768
Tier 1 capital (to risk-weighted assets), To be well capitalized, Ratio	0.080	0.080
Common equity tier 1 capital (to risk-weighted assets), Actual Amount	$ 6,481	$ 6,068
Common equity tier 1 capital (to risk-weighted assets), Capital Ratio	0.098	0.102
Common equity tier 1 capital (to risk-weighted assets), To be well capitalized, Amount	$ 4,297	$ 3,874
Common equity tier 1 capital (to risk-weighted assets), To be well capitalized, Ratio	0.065	0.065
Tier 1 capital (to average assets), Actual Amount	$ 6,921	$ 6,508
Tier 1 capital (to average assets), Actual Ratio	0.077	0.072
Tier 1 capital (to average assets), To be well capitalized, Amount	$ 4,472	$ 4,546
Tier 1 capital (to average assets), To be well capitalized, Ratio	0.050	0.050

Regulatory Matters (Capital Rat

Regulatory Matters (Capital Ratios) (Details)	Dec. 31, 2022	Dec. 31, 2021
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
CETI to risk-weighted assets, Minimum capital requirement	0.045
CETI to risk-weighted assets, Capital conservation buffer	0.025
CETI to risk-weighted assets, Minimum capital ratio requirement with capital conservation buffer	0.070
CETI to risk-weighted assets, Capital ratio	0.098	0.102
Tier 1 capital CETI plus additional Tier 1 capital) to risk-weighted assets, Minimum capital requirement	0.060
Tier 1 capital CETI plus additional Tier 1 capital) to risk-weighted assets, Capital conservation buffer	0.025
Tier 1 capital CETI plus additional Tier 1 capital) to risk-weighted assets, Minimum capital ratio requirement with capital conservation buffer	0.085
Tier 1 capital CETI plus additional Tier 1 capital) to risk-weighted assets, Capital ratio	0.105	0.109
Total capital (Tier 1 capital plus Tier 2 capital) to risk-weighted assets, Minimum capital requirements	0.080
Total capital (Tier 1 capital plus Tier 2 capital) to risk-weighted assets, Capital conversion buffer	0.025
Total capital (Tier 1 capital plus Tier 2 capital) to risk-weighted assets, Minimum capital ratio requirement with capital conservation buffer	0.105
Total capital (Tier 1 capital plus Tier 2 capital) to risk-weighted assets, Capital ratio	0.122	0.128

Commitments, Guarantees, Cont_3

Commitments, Guarantees, Contingent Liabilities, and Related Parties (Schedule of Off-Balance Sheet Financial Instruments) (Details) - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021
Guarantor Obligations [Line Items]
Net unfunded commitments to extend credit	$ 29,628	$ 25,797
Commercial letters of credit	11	22
Total unfunded commitments	30,513	26,662
Financial
Guarantor Obligations [Line Items]
Standby letters of credit	667	597
Performance
Guarantor Obligations [Line Items]
Standby letters of credit	$ 184	$ 245

Commitments, Guarantees, Cont_4

Commitments, Guarantees, Contingent Liabilities, and Related Parties (Narrative) (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) case	Dec. 31, 2021 USD ($)
Guarantor Obligations [Line Items]
Commitments to extend credit expiring in one year | $	$ 7,700,000,000
Standby letters of credit expiring in one year | $	851,000,000
Principal amount, Farmer Mac agreement | $	$ 23,000,000	$ 1,000,000
Number of civil cases | case	2
Loss contingency, new claims filed, number | case	5
Loss contingency, claims dismissed, number | case	4
Loss contingency, pending claims, number | case	5
Loss contingency, claims settled, number | case	2
Minimum
Guarantor Obligations [Line Items]
Limitied recourse provision, period	3 months
Estimate of possible losses | $	$ 0
Maximum
Guarantor Obligations [Line Items]
Limitied recourse provision, period	1 year
Estimate of possible losses | $	$ 5,000,000

Revenue Recognition (Details)

Revenue Recognition (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									$ 495	$ 449	$ 402
Other noninterest income (non-ASC 606 customer-related)									119	126	147
Total customer-related noninterest income									614	575	549
Other noncustomer-related noninterest income									18	128	25
Total noninterest income	$ 153	$ 165	$ 172	$ 142	$ 190	$ 139	$ 205	$ 169	632	703	574
Other real estate owned gain from sale									0	0	1
Net interest income	$ 720	$ 663	$ 593	$ 544	$ 553	$ 555	$ 555	$ 545	2,520	2,208	2,216
Total net revenue									$ 3,152	2,911	2,791
Interest income on loans and securities | Revenue from Contract with Customer Benchmark | Product Concentration Risk
Segment Reporting, Revenue Reconciling Item [Line Items]
Percentage of revenue									79%
Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									$ 159	137	132
Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									149	135	113
Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									73	73	68
Capital markets and foreign exchange fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									4	6	5
Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									51	46	38
Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									59	52	46
Other
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									38	37	31
Other noninterest income (non-ASC 606 customer-related)									4	(6)	15
Total customer-related noninterest income									42	31	46
Other noncustomer-related noninterest income									6	109	21
Total noninterest income									48	140	67
Other real estate owned gain from sale									0	0	0
Net interest income									31	38	20
Total net revenue									79	178	87
Other | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									2	1	2
Other | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									0	1	0
Other | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									0	1	0
Other | Capital markets and foreign exchange fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									4	6	7
Other | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									1	(2)	1
Other | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									31	30	21
Zions Bank | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									160	154	136
Other noninterest income (non-ASC 606 customer-related)									19	21	23
Total customer-related noninterest income									179	175	159
Other noncustomer-related noninterest income									5	10	(1)
Total noninterest income									184	185	158
Other real estate owned gain from sale									0	0	0
Net interest income									741	633	650
Total net revenue									925	818	808
Zions Bank | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									53	46	43
Zions Bank | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									55	58	50
Zions Bank | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									22	22	21
Zions Bank | Operating Segments | Capital markets and foreign exchange fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									0	0	(2)
Zions Bank | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									22	21	17
Zions Bank | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									8	7	7
CB&T | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									70	63	56
Other noninterest income (non-ASC 606 customer-related)									34	34	36
Total customer-related noninterest income									104	97	92
Other noncustomer-related noninterest income									4	5	3
Total noninterest income									108	102	95
Other real estate owned gain from sale									0	0	1
Net interest income									595	536	512
Total net revenue									703	638	608
CB&T | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									28	25	23
CB&T | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									20	17	13
CB&T | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									12	12	11
CB&T | Operating Segments | Capital markets and foreign exchange fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									0	0	0
CB&T | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									4	5	4
CB&T | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									6	4	5
Amegy | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									117	103	98
Other noninterest income (non-ASC 606 customer-related)									40	36	34
Total customer-related noninterest income									157	139	132
Other noncustomer-related noninterest income									1	2	1
Total noninterest income									158	141	133
Other real estate owned gain from sale									0	0	0
Net interest income									513	462	485
Total net revenue									671	603	618
Amegy | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									46	40	42
Amegy | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									33	29	24
Amegy | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									16	15	15
Amegy | Operating Segments | Capital markets and foreign exchange fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									0	0	0
Amegy | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									15	13	10
Amegy | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									7	6	7
NBAZ | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									38	31	28
Other noninterest income (non-ASC 606 customer-related)									8	13	12
Total customer-related noninterest income									46	44	40
Other noncustomer-related noninterest income									2	2	1
Total noninterest income									48	46	41
Other real estate owned gain from sale									0	0	0
Net interest income									241	204	216
Total net revenue									289	250	257
NBAZ | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									9	7	7
NBAZ | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									15	11	10
NBAZ | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									9	9	8
NBAZ | Operating Segments | Capital markets and foreign exchange fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									0	0	0
NBAZ | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									3	3	2
NBAZ | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									2	1	1
NSB | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									42	36	31
Other noninterest income (non-ASC 606 customer-related)									6	14	12
Total customer-related noninterest income									48	50	43
Other noncustomer-related noninterest income									0	0	0
Total noninterest income									48	50	43
Other real estate owned gain from sale									0	0	0
Net interest income									183	146	146
Total net revenue									231	196	189
NSB | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									11	9	8
NSB | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									15	12	10
NSB | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									10	10	9
NSB | Operating Segments | Capital markets and foreign exchange fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									0	0	0
NSB | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									5	4	3
NSB | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									1	1	1
Vectra | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									25	21	19
Other noninterest income (non-ASC 606 customer-related)									6	12	13
Total customer-related noninterest income									31	33	32
Other noncustomer-related noninterest income									0	0	0
Total noninterest income									31	33	32
Other real estate owned gain from sale									0	0	0
Net interest income									153	136	135
Total net revenue									184	169	167
Vectra | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									8	7	6
Vectra | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									9	6	5
Vectra | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									4	4	4
Vectra | Operating Segments | Capital markets and foreign exchange fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									0	0	0
Vectra | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									1	2	1
Vectra | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									3	2	3
TCBW | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									5	4	3
Other noninterest income (non-ASC 606 customer-related)									2	2	2
Total customer-related noninterest income									7	6	5
Other noncustomer-related noninterest income									0	0	0
Total noninterest income									7	6	5
Other real estate owned gain from sale									0	0	0
Net interest income									63	53	52
Total net revenue									70	59	57
TCBW | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									2	2	1
TCBW | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									2	1	1
TCBW | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									0	0	0
TCBW | Operating Segments | Capital markets and foreign exchange fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									0	0	0
TCBW | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									0	0	0
TCBW | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									$ 1	$ 1	$ 1

Retirement Plans (Narrative) (D

Retirement Plans (Narrative) (Details) - USD ($) $ in Millions	1 Months Ended	12 Months Ended
	Jun. 30, 2020	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Defined Benefit Plan Disclosure [Line Items]
Rate of employee contribution from earnings		80%
Matching contribution allocation rate first time		100%
Employee contribution rate for first time matching		3%
Matching contribution allocation rate second time		50%
Employees contribution rate for second time matching		3%
Employer contribution in common stock		$ 33	$ 32	$ 31
Minimum range of eligible compensation for noncontributory profit sharing feature		0%
Maximum range of eligible compensation for noncontributory profit sharing feature		3.50%
Accrued profit sharing expense		$ 19	24	$ 7
Pension Plan
Defined Benefit Plan Disclosure [Line Items]
One-time expense	$ 28
Supplemental Employee Retirement Plan
Defined Benefit Plan Disclosure [Line Items]
Benefit liability		10	12
Postretirement Benefits Plan
Defined Benefit Plan Disclosure [Line Items]
Benefit liability		$ 1	$ 1

Share-Based Compensation (Narra

Share-Based Compensation (Narrative) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total shares authorized under stock option and incentive plan (in shares)	4,300,000
Number of shares available for future grants of stock options or restricted stock (in shares)	3,683,780
Compensation expense not yet recognized for nonvested share-based awards	$ 31,000
Nonvested share-based awards, expected weighted average period to be recognized (in years)	2 years 4 months 24 days
Total intrinsic value of stock options exercised	$ 7,000	$ 16,000	$ 3,000
Cash received from the exercise of stock options	8,000	20,000	7,000
Aggregate intrinsic value of outstanding stock options	4,000	25,000
Aggregate intrinsic value of exercisable options	$ 3,000	15,000
Outstanding stock options, Weighted average remaining contractual life (in years)	3 years 9 months 18 days
Stock options expected to vest (in shares)	532,955
Stock options expected to vest, Weighted average exercise price (in dollars per share)	$ 57.23
Stock options expected to vest, Weighted average remaining life (in years)	5 years 2 months 12 days
Stock options expected to vest, Aggregate intrinsic value	$ 490
Total fair value at grant date of restricted stock and RSUs vested	$ 25,000	$ 24,000	$ 23,000
Stock options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expiration period	7 years
Outstanding stock options, Weighted average remaining contractual life (in years)	2 years 9 months 18 days	2 years 7 months 6 days
Restricted Stock Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
restricted stock vesting period	4 years
Ratio of common stock to share based payment award (shares)	1
Granted (in shares)	433,674	578,056	586,302
Expected to vest (in shares)	775,833
Expected to vest, Aggregate intrinsic value	$ 38,000
Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
restricted stock vesting period	4 years
Expected to vest (in shares)	60,749
Expected to vest, Aggregate intrinsic value	$ 3,000
Director | Restricted Stock Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)	16,722	16,938	28,992

Share-Based Compensation (Compe

Share-Based Compensation (Compensation Expense And Related Tax Benefit For All Share-Based Awards) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Share-Based Payment Arrangement [Abstract]
Compensation expense	$ 30	$ 28	$ 26
Reduction of income tax expense	$ 11	$ 11	$ 8

Share-Based Compensation (Weigh

Share-Based Compensation (Weighted Average Of Fair Value And Significant Assumptions Used In Applying Black-Scholes Model For Options Granted) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Share-Based Payment Arrangement [Abstract]
Weighted average value for options granted (in dollars per share)	$ 15.16	$ 7.86	$ 8.18
Expected dividend yield	2.30%	2.50%	3%
Expected volatility	27%	25%	27%
Risk-free interest rate	1.98%	0.47%	1.38%
Expected life (in years)	5 years	5 years	5 years

Share-Based Compensation (Summa

Share-Based Compensation (Summary of Stock Option Activity) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Number of shares
Beginning balance (in shares)	1,328,144	1,683,657	1,676,778
Granted (in shares)	201,932	345,636	320,913
Exercised (in shares)	(256,004)	(686,894)	(285,954)
Expired (in shares)	(8,912)	(7,910)	(22,685)
Forfeited (in shares)	(2,794)	(6,345)	(5,395)
Ending balance (in shares)	1,262,366	1,328,144	1,683,657
Weighted average exercise price
Beginning balance (in dollars per share)	$ 44.60	$ 38.26	$ 34.77
Granted (in dollars per share)	73.02	48.65	45.61
Exercised (in dollars per share)	36.79	31.08	26.48
Expired (in dollars per share)	37.58	42.16	30.17
Forfeited (in dollars per share)	57.75	48.04	51.34
Ending balance (in dollars per share)	$ 50.75	$ 44.60	$ 38.26
Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]
Number of shares, Outstanding stock options exercisable (in shares)	729,411	693,883	1,137,596
Weighted average exercise price, Outstanding stock options exercisable (in dollars per share)	$ 46.02	$ 41.54	$ 33.42

Share-Based Compensation (Sched

Share-Based Compensation (Schedule of Additional Selected Information on Stock Options) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Outstanding stock options, Number of shares (in shares)	1,262,366	1,328,144	1,683,657	1,676,778
Outstanding stock options, Weighted average exercise price (in dollars per share)	$ 50.75	$ 44.60	$ 38.26	$ 34.77
Outstanding stock options, Weighted average remaining contractual life (in years)	3 years 9 months 18 days
Exercisable stock options, Number of shares (in shares)	729,411	693,883	1,137,596
Exercisable stock options, Weighted average exercise price (in dollars per share)	$ 46.02	$ 41.54	$ 33.42
Stock options without a fixed expiration date (in shares)	5,223
$4.15 to $19.99
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise price range, lower range limit (in dollars per share)	$ 4.15
Exercise price range, upper range limit (in dollars per share)	$ 19.99
Outstanding stock options, Number of shares (in shares)	5,223
Outstanding stock options, Weighted average exercise price (in dollars per share)	$ 6.41
Outstanding stock options, Weighted average remaining contractual life (in years)	0 years
Exercisable stock options, Number of shares (in shares)	5,223
Exercisable stock options, Weighted average exercise price (in dollars per share)	$ 6.41
$20.00 to $24.99
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise price range, lower range limit (in dollars per share)	20
Exercise price range, upper range limit (in dollars per share)	$ 24.99
Outstanding stock options, Number of shares (in shares)	75,598
Outstanding stock options, Weighted average exercise price (in dollars per share)	$ 20.99
Outstanding stock options, Weighted average remaining contractual life (in years)	1 month 6 days
Exercisable stock options, Number of shares (in shares)	75,598
Exercisable stock options, Weighted average exercise price (in dollars per share)	$ 20.99
$25.00 to $29.99
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise price range, lower range limit (in dollars per share)	25
Exercise price range, upper range limit (in dollars per share)	$ 29.99
Outstanding stock options, Number of shares (in shares)	452
Outstanding stock options, Weighted average exercise price (in dollars per share)	$ 29.12
Outstanding stock options, Weighted average remaining contractual life (in years)	4 years 9 months 18 days
Exercisable stock options, Number of shares (in shares)	226
Exercisable stock options, Weighted average exercise price (in dollars per share)	$ 29.12
$40.00 to $44.99
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise price range, lower range limit (in dollars per share)	40
Exercise price range, upper range limit (in dollars per share)	$ 44.99
Outstanding stock options, Number of shares (in shares)	84,913
Outstanding stock options, Weighted average exercise price (in dollars per share)	$ 44.23
Outstanding stock options, Weighted average remaining contractual life (in years)	1 year 2 months 12 days
Exercisable stock options, Number of shares (in shares)	84,664
Exercisable stock options, Weighted average exercise price (in dollars per share)	$ 44.24
$45.00 to $49.99
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise price range, lower range limit (in dollars per share)	45
Exercise price range, upper range limit (in dollars per share)	$ 49.99
Outstanding stock options, Number of shares (in shares)	585,877
Outstanding stock options, Weighted average exercise price (in dollars per share)	$ 47.30
Outstanding stock options, Weighted average remaining contractual life (in years)	4 years 7 months 6 days
Exercisable stock options, Number of shares (in shares)	254,209
Exercisable stock options, Weighted average exercise price (in dollars per share)	$ 46.77
$50.00 to $59.99
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise price range, lower range limit (in dollars per share)	50
Exercise price range, upper range limit (in dollars per share)	$ 59.99
Outstanding stock options, Number of shares (in shares)	311,062
Outstanding stock options, Weighted average exercise price (in dollars per share)	$ 52.67
Outstanding stock options, Weighted average remaining contractual life (in years)	2 years 7 months 6 days
Exercisable stock options, Number of shares (in shares)	309,491
Exercisable stock options, Weighted average exercise price (in dollars per share)	$ 52.67
$60.00 to $73.22
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise price range, lower range limit (in dollars per share)	60
Exercise price range, upper range limit (in dollars per share)	$ 73.22
Outstanding stock options, Number of shares (in shares)	199,241
Outstanding stock options, Weighted average exercise price (in dollars per share)	$ 73.19
Outstanding stock options, Weighted average remaining contractual life (in years)	6 years 1 month 6 days
Exercisable stock options, Number of shares (in shares)	0
Exercisable stock options, Weighted average exercise price (in dollars per share)	$ 0

Share-Based Compensation (Sum_2

Share-Based Compensation (Summary of Restricted Stock Activity) (Details) - Restricted Stock - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Number of shares
Beginning balance (in shares)	64,816	57,396	50,457
Issued (in shares)	21,038	26,083	27,798
Vested (in shares)	(25,105)	(18,663)	(20,859)
Ending balance (in shares)	60,749	64,816	57,396
Weighted average fair value
Beginning balance (in dollars per share)	$ 42.26	$ 44.20	$ 39.50
Issued (in dollars per share)	60.21	39.16	45.65
Vested (in dollars per share)	42.66	43.89	34.77
Ending balance (in dollars per share)	$ 48.31	$ 42.26	$ 44.20

Share Based Compensation (Summa

Share Based Compensation (Summary of Restricted Stock Unit Activity) (Details) - Restricted Stock Units - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Number of shares
Beginning balance (in shares)	1,274,083	1,242,321	1,294,070
Granted (in shares)	433,674	578,056	586,302
Vested (in shares)	(504,358)	(505,690)	(593,375)
Forfeited (in shares)	(34,306)	(40,604)	(44,676)
Ending balance (in shares)	1,169,093	1,274,083	1,242,321
Weighted average fair value
Beginning balance (in dollars per share)	$ 46.49	$ 46.31	$ 43.59
Issued (in dollars per share)	68.07	47.02	42.75
Vested (in dollars per share)	47.83	46.51	37.56
Forfeited (in dollars per share)	56.58	47.97	47.78
Ending balance (in dollars per share)	$ 53.62	$ 46.49	$ 46.31

Income Taxes (Schedule of Incom

Income Taxes (Schedule of Income Tax Expense (Benefit)) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Federal:
Current	$ 236	$ 230	$ 153
Deferred	(38)	27	(47)
Total Federal	198	257	106
State:
Current	52	55	38
Deferred	(5)	5	(11)
Total State	47	60	27
Total income tax expense	$ 245	$ 317	$ 133

Income Taxes (Schedule of Statu

Income Taxes (Schedule of Statutory Federal Income Tax Rate Reconciles to Actual Income Tax Expense (Benefit)) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Income tax expense at statutory federal rate	$ 242	$ 304	$ 141
State income taxes including credits, net	38	48	21
Other nondeductible expenses	13	8	8
Nontaxable income	(40)	(36)	(32)
Share-based compensation	(4)	(3)	(1)
Tax credits and other taxes	(4)	(4)	(4)
Total income tax expense	$ 245	$ 317	$ 133

Income Taxes (Schedule of Tax E

Income Taxes (Schedule of Tax Effects of Deferred Tax Assets and Deferred Tax Liabilities) (Details) - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021
Gross deferred tax assets:
Book loan loss deduction in excess of tax	$ 157	$ 136
Pension and postretirement	0	1
Deferred compensation	83	77
Security investments and derivative fair value adjustments	1,011	26
Lease liabilities	49	55
Capitalized costs	82	54
Other	29	30
Total deferred tax assets before valuation allowance	1,411	379
Valuation allowance	0	0
Total deferred tax assets	1,411	379
Gross deferred tax liabilities:
Premises and equipment, due to differences in depreciation	(99)	(88)
Federal Home Loan Bank stock dividends	(2)	(2)
Leasing operations	(49)	(44)
Prepaid expenses	(5)	(8)
Prepaid pension reserves	(3)	(6)
Mortgage servicing	(12)	(10)
Deferred loan costs	(34)	(30)
ROU assets	(44)	(49)
Qualified opportunity fund deferred gains	(26)	(26)
Equity investments	(9)	(20)
Total deferred tax liabilities	(283)	(283)
Net deferred tax assets (liabilities)	$ 1,128	$ 96

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Income Tax Contingency [Line Items]
Valuation allowance	$ 0	$ 0
Unrecognized tax benefits that would impact effective tax rate	12	12	$ (5)
Income tax penalties and interest accrued	1	$ 1
Maximum
Income Tax Contingency [Line Items]
Tax effect of remaining net operating loss and tax credit carryforward	$ 1

Income Taxes (Schedule of Recon

Income Taxes (Schedule of Reconciliation of Gross Unrecognized Tax Benefits) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Balance at beginning of year	$ 14	$ 11	$ 14
Tax positions related to current year, Additions	2	2	2
Tax positions related to prior years, Additions	0	1	0
Tax positions related to prior years, Reductions	(1)	0	(5)
Lapses in statutes of limitations	(2)	0	0
Balance at end of year	$ 13	$ 14	$ 11

Net Earnings Per Common Share_2

Net Earnings Per Common Share (Basic And Diluted Net Earnings Per Common Share Based On The Weighted Average Outstanding Shares) (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Basic:
Net income	$ 284	$ 217	$ 203	$ 203	$ 213	$ 240	$ 354	$ 322	$ 907	$ 1,129	$ 539
Less common and preferred dividends									269	261	259
Less impact from redemption of preferred stock									0	3	0
Undistributed earnings									638	865	280
Less undistributed earnings applicable to nonvested shares									5	7	2
Undistributed earnings applicable to common shares									633	858	278
Distributed earnings applicable to common shares									237	230	223
Total earnings applicable to common shares									$ 870	$ 1,088	$ 501
Weighted average common shares outstanding (in shares)									150,064	159,913	163,737
Net earnings per common share (in dollars per share)	$ 1.84	$ 1.40	$ 1.29	$ 1.27	$ 1.34	$ 1.45	$ 2.08	$ 1.90	$ 5.80	$ 6.80	$ 3.06
Diluted:
Dilutive effect of common stock warrants (in shares)									0	0	1,641
Dilutive effect of stock options (in shares)									207	321	235
Weighted average diluted common shares outstanding (in shares)									150,271	160,234	165,613
Net earnings per common share (in dollars per share)	$ 1.84	$ 1.40	$ 1.29	$ 1.27	$ 1.34	$ 1.45	$ 2.08	$ 1.90	$ 5.79	$ 6.79	$ 3.02

Net Earnings Per Common Share_3

Net Earnings Per Common Share (Stock Awards That Were Anti-Dilutive) (Details) - shares shares in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Restricted stock and restricted stock units
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share (in shares)	1,265	1,374	1,338
Stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share (in shares)	178	74	889

Operating Segment Information_2

Operating Segment Information (Details) $ in Millions	1 Months Ended	3 Months Ended								12 Months Ended
	Jul. 31, 2022 branch	Dec. 31, 2022 USD ($) branch	Sep. 30, 2022 USD ($)	Jun. 30, 2022 USD ($)	Mar. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Sep. 30, 2021 USD ($)	Jun. 30, 2021 USD ($)	Mar. 31, 2021 USD ($)	Dec. 31, 2022 USD ($) branch segment	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Segment Reporting Information [Line Items]
Number of bank operating segments | segment										7
Number of branches | branch		416								416
Total deposits		$ 71,652				$ 82,789				$ 71,652	$ 82,789
Loans held for investment, net of allowance		55,078				50,338				55,078	50,338
Net interest income		720	$ 663	$ 593	$ 544	553	$ 555	$ 555	$ 545	2,520	2,208	$ 2,216
Provision for credit losses		43	71	41	(33)	25	(46)	(123)	(132)	122	(276)	414
Net interest income after provision for credit losses										2,398	2,484	1,802
Noninterest income		153	165	172	142	190	139	205	169	632	703	574
Noninterest expense		471	479	464	464	449	429	428	435	1,878	1,741	1,704
Income (loss) before income taxes		$ 359	$ 278	$ 260	$ 255	$ 269	$ 311	$ 455	$ 411	1,152	1,446	672
Total average loans										52,598	51,983	53,016
Total average deposits										78,529	76,257	63,689
Other
Segment Reporting Information [Line Items]
Net interest income										31	38	20
Provision for credit losses										0	1	3
Net interest income after provision for credit losses										31	37	17
Noninterest income										48	140	67
Noninterest expense										226	201	205
Income (loss) before income taxes										(147)	(24)	(121)
Total average loans										922	857	629
Total average deposits										1,166	1,475	2,495
Zions Bank | Operating Segments
Segment Reporting Information [Line Items]
Net interest income										741	633	650
Provision for credit losses										43	(26)	67
Net interest income after provision for credit losses										698	659	583
Noninterest income										184	185	158
Noninterest expense										495	464	446
Income (loss) before income taxes										387	380	295
Total average loans										13,277	13,198	13,845
Total average deposits										24,317	23,588	18,370
CB&T | Operating Segments
Segment Reporting Information [Line Items]
Net interest income										595	536	512
Provision for credit losses										49	(78)	120
Net interest income after provision for credit losses										546	614	392
Noninterest income										108	102	95
Noninterest expense										340	311	305
Income (loss) before income taxes										314	405	182
Total average loans										13,129	12,892	12,366
Total average deposits										16,160	15,796	13,763
Amegy | Operating Segments
Segment Reporting Information [Line Items]
Net interest income										513	462	485
Provision for credit losses										5	(96)	111
Net interest income after provision for credit losses										508	558	374
Noninterest income										158	141	133
Noninterest expense										355	337	329
Income (loss) before income taxes										311	362	178
Total average loans										12,110	12,189	13,114
Total average deposits										15,735	15,496	12,970
NBAZ | Operating Segments
Segment Reporting Information [Line Items]
Net interest income										241	204	216
Provision for credit losses										11	(27)	35
Net interest income after provision for credit losses										230	231	181
Noninterest income										48	46	41
Noninterest expense										167	151	147
Income (loss) before income taxes										111	126	75
Total average loans										4,911	4,849	5,099
Total average deposits										8,035	7,288	5,771
NSB | Operating Segments
Segment Reporting Information [Line Items]
Net interest income										183	146	146
Provision for credit losses										4	(35)	37
Net interest income after provision for credit losses										179	181	109
Noninterest income										48	50	43
Noninterest expense										151	142	141
Income (loss) before income taxes										76	89	11
Total average loans										2,987	3,015	3,102
Total average deposits										7,436	6,691	5,427
Vectra | Operating Segments
Segment Reporting Information [Line Items]
Net interest income										153	136	135
Provision for credit losses										9	(12)	34
Net interest income after provision for credit losses										144	148	101
Noninterest income										31	33	32
Noninterest expense										120	114	109
Income (loss) before income taxes										55	67	24
Total average loans										3,632	3,414	3,401
Total average deposits										4,109	4,386	3,637
TCBW | Operating Segments
Segment Reporting Information [Line Items]
Net interest income										63	53	52
Provision for credit losses										1	(3)	7
Net interest income after provision for credit losses										62	56	45
Noninterest income										7	6	5
Noninterest expense										24	21	22
Income (loss) before income taxes										45	41	28
Total average loans										1,630	1,569	1,460
Total average deposits										$ 1,571	$ 1,537	$ 1,256
Utah | Zions Bank
Segment Reporting Information [Line Items]
Number of branches | branch		95								95
Idaho | Zions Bank
Segment Reporting Information [Line Items]
Number of branches | branch		25								25
Wyoming | Zions Bank
Segment Reporting Information [Line Items]
Number of branches | branch		1								1
California | CB&T
Segment Reporting Information [Line Items]
Number of branches | branch		80								80
Texas | Amegy
Segment Reporting Information [Line Items]
Number of branches | branch		75								75
Arizona | NBAZ
Segment Reporting Information [Line Items]
Number of branches | branch		56								56
Nevada | NSB
Segment Reporting Information [Line Items]
Number of branches | branch		46								46
Number of Branches Purchased | branch	3
Colorado | Vectra
Segment Reporting Information [Line Items]
Number of branches | branch		34								34
New Mexico | Vectra
Segment Reporting Information [Line Items]
Number of branches | branch		1								1
Washington | TCBW
Segment Reporting Information [Line Items]
Number of branches | branch		2								2
Oregon | TCBW
Segment Reporting Information [Line Items]
Number of branches | branch		1								1

Quarterly Financial Informati_3

Quarterly Financial Information (Unaudited) (Financial Information by Quarter) (Details) - USD ($) $ / shares in Units, $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Quarterly Financial Information Disclosure [Abstract]
Total interest income	$ 835	$ 707	$ 608	$ 555	$ 566	$ 569	$ 570	$ 562	$ 2,705	$ 2,267	$ 2,368
Net interest income	720	663	593	544	553	555	555	545	2,520	2,208	2,216
Provision for credit losses	43	71	41	(33)	25	(46)	(123)	(132)	122	(276)	414
Noninterest income	153	165	172	142	190	139	205	169	632	703	574
Noninterest expense	471	479	464	464	449	429	428	435	1,878	1,741	1,704
Income (loss) before income taxes	359	278	260	255	269	311	455	411	1,152	1,446	672
Net income	284	217	203	203	213	240	354	322	907	1,129	539
Preferred stock dividends	7	6	8	8	6	6	9	8	29	29	34
Net earnings applicable to common shareholders	$ 277	$ 211	$ 195	$ 195	$ 207	$ 234	$ 345	$ 314	$ 878	$ 1,100	$ 505
Net earnings per common share:
Basic (in dollars per share)	$ 1.84	$ 1.40	$ 1.29	$ 1.27	$ 1.34	$ 1.45	$ 2.08	$ 1.90	$ 5.80	$ 6.80	$ 3.06
Diluted (in dollars per share)	$ 1.84	$ 1.40	$ 1.29	$ 1.27	$ 1.34	$ 1.45	$ 2.08	$ 1.90	$ 5.79	$ 6.79	$ 3.02

Uncategorized Items - zions-202

Label	Element	Value
Accounting Standards Update [Extensible Enumeration]	us-gaap_AccountingStandardsUpdateExtensibleList	Accounting Standards Update 2016-13 [Member]