Zions Bancorporation, National Association (ZION) 10-Q 5 May 23 2023 Q1 Quarterly report Financial data

Cover

Cover - shares	3 Months Ended
	Mar. 31, 2023	Apr. 28, 2023
Document Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2023
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 Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		148,100,701
Amendment Flag	false
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q1
Current Fiscal Year End Date	--12-31
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
Fixed-to-Floating Rate Subordinated Notes
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

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 607	$ 657
Money market investments:
Interest-bearing deposits	2,727	1,340
Federal funds sold and securities purchased under agreements to resell	688	2,426
Investment securities:
Held-to-maturity, at amortized cost ($11,210 and $11,239 at fair value )	10,961	11,126
Available-for-sale, at fair value	11,594	11,915
Trading, at fair value	12	465
Total investment securities	22,567	23,506
Loans held for sale	5	8
Loans and leases, net of unearned income and fees	56,331	55,653
Less allowance for loan and lease losses	618	575
Loans held for investment, net of allowance	55,713	55,078
Other noninterest-bearing investments	1,169	1,130
Premises, equipment and software, net	1,411	1,408
Goodwill and intangibles	1,063	1,065
Other real estate owned	6	3
Other assets	2,617	2,924
Total assets	88,573	89,545
Deposits:
Noninterest-bearing demand	30,974	35,777
Interest-bearing:
Savings and money market	30,897	33,566
Time	7,337	2,309
Total deposits	69,208	71,652
Federal funds and other short-term borrowings	12,124	10,417
Long-term debt	663	651
Reserve for unfunded lending commitments	60	61
Other liabilities	1,334	1,871
Total liabilities	83,389	84,652
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 148,100 and 148,664 shares) and additional paid-in capital	1,715	1,754
Retained earnings	5,949	5,811
Accumulated other comprehensive income (loss)	(2,920)	(3,112)
Total shareholders’ equity	5,184	4,893
Total liabilities and shareholders’ equity	$ 88,573	$ 89,545

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Investment securities:
Held-to-maturity, Estimated fair value	$ 11,210	$ 11,239
Shareholders’ equity:
Preferred stock, shares authorized (in shares)	4,400,000	4,400,000
Common stock, par value (in dollars per share)	$ 0.001	$ 0.001
Common stock, shares authorized (in shares)	350,000,000	350,000,000
Common stock, shares issued (in shares)	148,100,000	148,664,000
Common stock, outstanding shares (in shares)	148,100,000	148,664,000

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Interest income:
Interest and fees on loans	$ 726	$ 437
Interest on money market investments	57	6
Interest on securities	137	112
Total interest income	920	555
Interest expense:
Interest on deposits	82	6
Interest on short- and long-term borrowings	159	5
Total interest expense	241	11
Net interest income	679	544
Provision for credit losses:
Provision for loan and lease losses	46	(29)
Provision for unfunded lending commitments	(1)	(4)
Total provision for credit losses	45	(33)
Net interest income after provision for credit losses	634	577
Noninterest income:
Commercial account fees	43	41
Card fees	24	25
Retail and business banking fees	16	20
Loan-related fees and income	21	22
Capital markets fees	17	15
Wealth management fees	15	14
Other customer-related fees	15	14
Customer-related noninterest income	151	151
Fair value and nonhedge derivative income	(3)	6
Dividends and other income (loss)	11	2
Securities gains (losses), net	1	(17)
Total noninterest income	160	142
Noninterest expense:
Salaries and employee benefits	339	312
Technology, telecom, and information processing	55	52
Occupancy and equipment, net	40	38
Professional and legal services	13	14
Marketing and business development	12	8
Deposit insurance and regulatory expense	18	10
Credit-related expense	6	7
Other real estate expense, net	0	1
Other	29	22
Total noninterest expense	512	464
Income before income taxes	282	255
Income taxes	78	52
Net income	204	203
Preferred stock dividends	(6)	(8)
Net earnings applicable to common shareholders	$ 198	$ 195
Weighted average common shares outstanding during the period:
Basic shares (in shares)	148,015	151,285
Diluted shares (in shares)	148,038	151,687
Earnings Per Share [Abstract]
Basic (in dollars per share)	$ 1.33	$ 1.27
Diluted (in dollars per share)	$ 1.33	$ 1.27

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Statement of Comprehensive Income [Abstract]
Net income for the period	$ 204	$ 203
Other comprehensive income (loss), net of tax:
Net unrealized holding gains (losses) on investment securities	126	(1,121)
Net unrealized holding gains (losses) on derivative instruments	29	(135)
Reclassification adjustment for decrease (increase) in interest income recognized in earnings on derivative instruments	37	(10)
Total other comprehensive income (loss), net of tax	192	(1,266)
Comprehensive income (loss)	$ 396	$ (1,063)

Consolidated Statements of Chan

Consolidated Statements of Changes In Shareholders' Equity - USD ($) $ in Millions	Total	Cumulative effect adjustment, due to adoption of ASU 2022-02, net of tax	Preferred stock	Common stock	Accumulated paid-in capital	Retained earnings	Retained earnings Cumulative effect adjustment, due to adoption of ASU 2022-02, net of tax	Accumulated other comprehensive income (loss)
Balance at beginning of period at Dec. 31, 2021	$ 7,463		$ 440	$ 0	$ 1,928	$ 5,175		$ (80)
Balance at beginning of period (in shares) at Dec. 31, 2021				151,625,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income for the period	203					203
Other comprehensive income (loss), net of tax	(1,266)							(1,266)
Bank common stock repurchased (in shares)				(778,000)
Bank common stock repurchased	(51)				(51)
Net activity under employee plans and related tax benefits (in shares)				501,000
Net activity under employee plans and related tax benefits	12				12
Dividends on preferred stock	(8)					(8)
Dividends on common stock	(58)					(58)
Change in deferred compensation	(1)					(1)
Balance at end of period at Mar. 31, 2022	6,294		440	$ 0	1,889	5,311		(1,346)
Balance at end of period (in shares) at Mar. 31, 2022				151,348,000
Balance at beginning of period at Dec. 31, 2022	$ 4,893		440	$ 0	1,754	5,811		(3,112)
Balance at beginning of period (in shares) at Dec. 31, 2022	148,664,000			148,664,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income for the period	$ 204					204
Other comprehensive income (loss), net of tax	$ 192							192
Bank common stock repurchased (in shares)	(900,000)			(953,000)
Bank common stock repurchased	$ (50)				(50)
Net activity under employee plans and related tax benefits (in shares)				389,000
Net activity under employee plans and related tax benefits	11				11
Dividends on preferred stock	(6)					(6)
Dividends on common stock	(61)					(61)
Change in deferred compensation	(1)					(1)
Balance at end of period at Mar. 31, 2023	$ 5,184	$ (2)	$ 440	$ 0	$ 1,715	$ 5,949	$ (2)	$ (2,920)
Balance at end of period (in shares) at Mar. 31, 2023	148,100,000			148,100,000

Consolidated Statements of Ch_2

Consolidated Statements of Changes In Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Statement of Stockholders' Equity [Abstract]
Dividends on common stock (in dollars per share)	$ 0.41	$ 0.38

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 204	$ 203
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	45	(33)
Depreciation and amortization	36	19
Share-based compensation	17	17
Deferred income tax expense	6	39
Net decrease (increase) in trading securities	77	(10)
Net decrease in loans held for sale	7	29
Change in other liabilities	(529)	127
Change in other assets	362	(116)
Other, net	(4)	13
Net cash provided by operating activities	221	288
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease in money market investments	727	4,979
Proceeds from maturities and paydowns of investment securities held-to-maturity	237	20
Purchases of investment securities held-to-maturity	(10)	(17)
Proceeds from sales, maturities, and paydowns of investment securities available-for-sale	583	1,018
Purchases of investment securities available-for-sale	(138)	(4,673)
Net change in loans and leases	(738)	(355)
Purchases and sales of other noninterest-bearing investments	(37)	8
Purchases of premises and equipment	(31)	(53)
Other, net	(2)	4
Net cash provided by investing activities	591	931
CASH FLOWS FROM FINANCING ACTIVITIES
Net decrease in deposits	(2,445)	(439)
Net change in short-term funds borrowed	1,707	(264)
Redemption of long-term debt	0	(290)
Proceeds from the issuance of common stock	2	6
Dividends paid on common and preferred stock	(69)	(66)
Bank common stock repurchased	(50)	(51)
Other, net	(7)	(10)
Net cash used in financing activities	(862)	(1,114)
Net increase (decrease) in cash and due from banks	(50)	105
Cash and due from banks at beginning of period	657	595
Cash and due from banks at end of period	607	700
Cash paid for interest	224	11
Net refunds received for income taxes	0	(1)
Noncash activities:
Loans held for investment reclassified to loans held for sale, net	$ 47	$ 34

Basis of Presentation

Basis of Presentation	3 Months Ended
	Mar. 31, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
BASIS OF PRESENTATION	BASIS OF PRESENTATION The accompanying unaudited consolidated financial statements of Zions Bancorporation, National Association and its majority-owned subsidiaries (collectively “Zions Bancorporation, N.A.,” “the Bank,” “we,” “our,” “us”) have been prepared in accordance with United States (“U.S.”) generally accepted accounting principles (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. References to GAAP, including standards promulgated by the Financial Accounting Standards Board (“FASB”), are made according to sections of the Accounting Standards Codification (“ASC”). The results of operations for the three months ended March 31, 2023 and 2022 are not necessarily indicative of the results that may be expected in future periods. 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. For further information, refer to the consolidated financial statements and accompanying footnotes included in our 2022 Form 10-K. We evaluated events that occurred between March 31, 2023 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. As referenced in Note 6 of the Notes to Consolidated Financial Statements, an additional $9.4 billion of loans were pledged as collateral for potential borrowings in April 2023. Zions Bancorporation, N.A. is a commercial 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 bank divisions, which we refer to as “affiliates,” or “affiliate banks,” each with its own local branding and management team. These include 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 name The Commerce Bank of Oregon in Oregon.

Recent Accounting Pronouncement

Recent Accounting Pronouncements	3 Months Ended
	Mar. 31, 2023
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 ASU 2023-02, Investments—Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method (a consensus of the Emerging Issues Task Force) This Accounting Standards Update (“ASU”) expands the optional use of the proportional amortization method (“PAM”), previously limited to investments in low-income housing tax credit (“LIHTC”) structures, to any eligible equity investments made primarily for the purpose of receiving income tax credit and other tax benefits when certain criteria are met. PAM results in the cost of the investment being amortized in proportion to the income tax credits and other income tax benefits received, with the amortization of the investment and the income tax credits being presented net in the income statement as a component of income tax expense (benefit). This ASU allows for an accounting policy election to apply PAM on a tax-credit-program-by-tax-credit-program basis. The ASU also includes additional disclosure requirements about equity investments accounted for using PAM. 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 We do not currently have any additional equity investments that are eligible for PAM under the provisions of this ASU. We will continue to evaluate its use for new investments. The overall effect of the guidance is not expected to have a material impact on our financial statements. We do not plan to early adopt this new standard. 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. Standards adopted by the Bank during the period ASU 2022-02, Financial Instruments—Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures This ASU eliminates the recognition and measurement requirements for troubled debt restructurings (“TDRs”) for creditors that have adopted ASC 326 (“CECL”), and eliminates certain TDR disclosures while requiring enhanced disclosures about loan modifications for borrowers experiencing financial difficulty. The new standard also requires public companies to present current period gross charge-offs (on a current year-to-date basis for interim-period disclosures) by year of origination in their vintage disclosures. Periods beginning after December 15, 2022 We adopted this ASU on January 1, 2023. It did not have a material impact on our financial statements.

Fair Value

Fair Value	3 Months Ended
	Mar. 31, 2023
Fair Value Disclosures [Abstract]
FAIR VALUE	FAIR VALUE Fair Value Measurements 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. For more information about our valuation methodologies for assets and liabilities measured at fair value and the fair value hierarchy, see Note 3 of our 2022 Form 10-K. 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) March 31, 2023 Level 1 Level 2 Level 3 Total ASSETS Available-for-sale securities: U.S. Treasury, agencies and corporations $ 511 $ 9,612 $ — $ 10,123 Municipal securities 1,447 1,447 Other debt securities 24 24 Total available-for-sale 511 11,083 — 11,594 Trading securities 12 12 Other noninterest-bearing investments: Bank-owned life insurance 547 547 Private equity investments 1 3 82 85 Other assets: Agriculture loan servicing and interest-only strips 18 18 Deferred compensation plan assets 109 109 Derivatives 369 369 Total assets $ 623 $ 12,011 $ 100 $ 12,734 LIABILITIES Securities sold, not yet purchased $ 281 $ — $ — $ 281 Other liabilities: Derivatives 353 353 Total liabilities $ 281 $ 353 $ — $ 634 1 The Level 1 private equity investments (“PEIs”) relate to the portion of our Small Business Investment Company (“SBIC”) investments that are publicly traded. (In millions) December 31, 2022 Level 1 Level 2 Level 3 Total ASSETS Available-for-sale securities: 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 securities 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 publicly traded. Level 3 Valuations Our Level 3 holdings include PEIs, agriculture loan servicing, and interest-only strips. For additional information regarding our Level 3 financial instruments, including the methods and significant assumptions used to estimate their fair value, see Note 3 of our 2022 Form 10-K. 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 Three Months Ended March 31, 2023 March 31, 2022 (In millions) Private equity investments Ag loan servicing & interest-only strips Private equity investments Ag loan servicing & interest-only strips Balance at beginning of period $ 81 $ 14 $ 66 $ 12 Unrealized securities gains (losses), net — — 5 — Other noninterest income (expense) — 4 — — Purchases 1 — 6 — Cost of investments sold — — (3) — Transfers out 1 — — — — Balance at end of period $ 82 $ 18 $ 74 $ 12 1 Represents the transfer of SBIC investments out of Level 3 and into Level 1 because they are publicly traded. The rollforward of Level 3 instruments includes the following realized gains and losses recognized in securities gains (losses) on the consolidated statement of income for the periods presented: (In millions) Three Months Ended March 31, 2023 March 31, 2022 Securities gains (losses), net $ — $ (2) 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, other real estate owned (“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 March 31, 2023, and December 31, 2022, we had insignificant amounts of assets or liabilities that had fair value changes measured on a nonrecurring basis. For additional information regarding the measurement of fair value for impaired loans, collateral-dependent loans, and OREO, see Note 3 of our 2022 Form 10-K. Fair Value of Certain Financial Instruments The following schedule presents the carrying values and estimated fair values of certain financial instruments: March 31, 2023 December 31, 2022 (In millions) Carrying Fair value Level Carrying Fair value Level Financial assets: Held-to-maturity investment securities $ 10,961 $ 11,210 2 $ 11,126 $ 11,239 2 Loans and leases (including loans held for sale), net of allowance 55,718 53,226 3 55,086 53,093 3 Financial liabilities: Time deposits 7,337 7,319 2 2,309 2,269 2 Long-term debt 663 577 2 651 635 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. For additional information regarding the financial instruments within the scope of this disclosure, and the methods and significant assumptions used to estimate their fair value, see Note 3 of our 2022 Form 10-K.

Offsetting Assets and Liabiliti

Offsetting Assets and Liabilities	3 Months Ended
	Mar. 31, 2023
Offsetting [Abstract]
OFFSETTING ASSETS AND LIABILITIES	OFFSETTING ASSETS AND LIABILITIES The following schedules present gross and net information for selected financial instruments on the balance sheet. March 31, 2023 Gross amounts not offset in the balance sheet (In millions) 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 $ 688 $ — $ 688 $ — $ — $ 688 Derivatives (included in other assets) 369 — 369 (23) (326) 20 Total assets $ 1,057 $ — $ 1,057 $ (23) $ (326) $ 708 Liabilities: Federal funds and other short-term borrowings $ 12,124 $ — $ 12,124 $ — $ — $ 12,124 Derivatives (included in other liabilities) 353 — 353 (23) — 330 Total liabilities $ 12,477 $ — $ 12,477 $ (23) $ — $ 12,454 December 31, 2022 Gross amounts not offset in the balance sheet (In millions) 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 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	3 Months Ended
	Mar. 31, 2023
Investments [Abstract]
INVESTMENTS	INVESTMENTS Investment Securities Investment securities are classified as held-to-maturity (“HTM”), available-for-sale (“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 results in a discount to the amortized cost basis of the HTM securities. 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 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 $65 million and $75 million at March 31, 2023 and December 31, 2022, respectively. These receivables are presented on the consolidated balance sheet in “Other assets.” See Notes 3 and 5 of our 2022 Form 10-K for more information regarding our process to estimate the fair value and accounting for our investment securities, respectively. The following schedule summarizes the amortized cost and estimated fair values of our HTM and AFS securities: March 31, 2023 (In millions) Amortized Gross unrealized gains Gross unrealized losses Estimated Held-to-maturity U.S. Government agencies and corporations: Agency securities $ 98 $ — $ 6 $ 92 Agency guaranteed mortgage-backed securities 1 10,471 281 2 10,750 Municipal securities 392 — 24 368 Total held-to-maturity 10,961 281 32 11,210 Available-for-sale U.S. Treasury securities 656 — 145 511 U.S. Government agencies and corporations: Agency securities 753 — 37 716 Agency guaranteed mortgage-backed securities 9,423 — 1,203 8,220 Small Business Administration loan-backed securities 701 1 26 676 Municipal securities 1,517 — 70 1,447 Other debt securities 25 — 1 24 Total available-for-sale 13,075 1 1,482 11,594 Total HTM and AFS investment securities $ 24,036 $ 282 $ 1,514 $ 22,804 December 31, 2022 (In millions) Amortized Gross unrealized gains Gross unrealized losses 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 transfer of these securities from AFS to HTM at fair value resulted in a discount to the amortized cost basis of the HTM securities equivalent to the $2.4 billion ($1.8 billion after-tax) of unrealized losses in AOCI. The amortization of the unrealized losses will offset the effect of the accretion of the discount created by the transfer. Maturities The following schedule shows the amortized cost and weighted average yields of debt securities by contractual maturity of principal payments at March 31, 2023. Actual principal payments and maturities may differ from contractual or expected principal payments and maturities because borrowers have the right to call or prepay obligations with or without call or prepayment penalties. March 31, 2023 Total Due in one year or less Due after one year through five years Due after five years through ten years Due after ten 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 $ 98 3.51 % $ — — % $ — — % $ — — % $ 98 3.51 % Agency guaranteed mortgage-backed securities 10,471 1.84 — — — — 48 2.00 10,423 1.84 Municipal securities 1 392 3.17 34 3.36 135 3.06 180 3.31 43 2.80 Total held-to-maturity securities 10,961 1.90 34 3.36 135 3.06 228 3.04 10,564 1.86 Available-for-sale U.S. Treasury securities 656 2.43 99 4.56 — — — — 557 2.05 U.S. Government agencies and corporations: Agency securities 753 2.63 18 5.22 313 2.23 224 2.54 198 3.12 Agency guaranteed mortgage-backed securities 9,423 1.96 24 4.32 268 1.55 1,559 2.06 7,572 1.94 Small Business Administration loan-backed securities 701 4.80 — — 39 5.31 151 4.14 511 4.96 Municipal securities 1 1,517 2.19 119 2.49 517 2.62 680 1.86 201 2.05 Other debt securities 25 8.27 — — — — 10 9.50 15 7.45 Total available-for-sale securities 13,075 2.21 260 3.63 1,137 2.35 2,624 2.20 9,054 2.16 Total HTM and AFS investment securities $ 24,036 2.07 % $ 294 3.60 % $ 1,272 2.43 % $ 2,852 2.26 % $ 19,618 2.00 % 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 AFS securities and the estimated fair value by length of time the securities have been in an unrealized loss position. March 31, 2023 Less than 12 months 12 months or more Total (In millions) Gross Estimated Gross Estimated Gross Estimated Available-for-sale U.S. Treasury securities $ — $ — $ 145 $ 412 $ 145 $ 412 U.S. Government agencies and corporations: Agency securities 11 216 26 500 37 716 Agency guaranteed mortgage-backed securities 58 1,118 1,145 7,074 1,203 8,192 Small Business Administration loan-backed securities 6 102 20 494 26 596 Municipal securities 4 509 66 873 70 1,382 Other — — 1 14 1 14 Total available-for-sale investment securities $ 79 $ 1,945 $ 1,403 $ 9,367 $ 1,482 $ 11,312 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 At March 31, 2023 and December 31, 2022, approximately 3,240 and 3,562 AFS investment securities were in an unrealized loss position, respectively. Impairment We review investment securities quarterly on an individual security basis for the presence of impairment. For additional information on our policy and impairment evaluation process for investment securities, see Note 5 of our 2022 Form 10-K. AFS Impairment We did not recognize any impairment on our AFS investment securities portfolio during the first three months of 2023. Unrealized losses primarily relate to changes in interest rates subsequent to purchase and are not attributable to credit; as such, absent any future sales, we would expect to receive the full principal value at maturity. At March 31, 2023, we had not initiated any sales of AFS securities, nor did we have an intent to sell any identified securities with unrealized losses. We do not believe it is more likely than not that we would be required to sell such securities before recovery of their amortized cost basis. HTM Impairment For HTM securities, the allowance for credit losses (“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 March 31, 2023. All HTM securities were risk-graded as “ Pass ” in terms of credit quality, and none were past due at March 31, 2023. Securities Gains and Losses Recognized in Income The following schedule summarizes securities gains and losses recognized in the income statement. Three Months Ended March 31, 2023 2022 (In millions) Gross gains Gross losses Gross gains Gross losses Available-for-sale $ 1 $ 1 $ — $ — Trading 3 3 — — Other noninterest-bearing investments 4 3 3 20 Total gains 8 7 3 20 Net gains (losses) 1 $ 1 $ (17) 1 Net gains (losses) were recognized in securities gains (losses) in the income statement. The following schedule presents interest income by security type. Three Months Ended March 31, 2023 2022 (In millions) Taxable Nontaxable Total Taxable Nontaxable Total Investment securities: Held-to-maturity $ 60 $ 1 $ 61 $ 2 $ 1 $ 3 Available-for-sale 69 6 75 96 8 104 Trading 1 — 1 — 5 5 Total securities $ 130 $ 7 $ 137 $ 98 $ 14 $ 112

Loans, Leases, and Allowance fo

Loans, Leases, and Allowance for Credit Losses	3 Months Ended
	Mar. 31, 2023
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 loan class: (In millions) March 31, December 31, Loans held for sale $ 5 $ 8 Commercial: Commercial and industrial 1 $ 16,500 $ 16,377 Leasing 385 386 Owner-occupied 9,317 9,371 Municipal 4,374 4,361 Total commercial 30,576 30,495 Commercial real estate: Construction and land development 2,313 2,513 Term 10,585 10,226 Total commercial real estate 12,898 12,739 Consumer: Home equity credit line 3,276 3,377 1-4 family residential 7,692 7,286 Construction and other consumer real estate 1,299 1,161 Bankcard and other revolving plans 459 471 Other 131 124 Total consumer 12,857 12,419 Total loans and leases $ 56,331 $ 55,653 1 Commercial and industrial loan balances include Paycheck Protection Program (“PPP”) loans of $159 million and $197 million for the respective periods presented. 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 $43 million and $49 million at March 31, 2023 and December 31, 2022, respectively. Amortized cost basis does not include accrued interest receivables of $254 million and $247 million at March 31, 2023 and December 31, 2022, respectively. These receivables are presented in 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 $226 million at March 31, 2023 and $262 million at December 31, 2022. Loans with a carrying value of $30.2 billion at March 31, 2023 and $27.6 billion at December 31, 2022 have been pledged at the Federal Reserve (“FRB”) and the Federal Home Loan Bank (“FHLB”) of Des Moines as collateral for current and potential borrowings. In April 2023, an additional $9.4 billion of loans were pledged as collateral for potential borrowings. We sold loans totaling $89 million for the three months ended March 31, 2023, and $336 million for the three months ended March 31, 2022, 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 Small Business Administration (“SBA”) loans that are primarily sold to U.S. government agencies or participated to third parties. 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 $86 million for the three months ended March 31, 2023, and $297 million for the three months ended March 31, 2022, respectively. See Note 5 of the Notes to Consolidated Financial Statements for further information regarding guaranteed securities. The principal balance of sold loans for which we retain servicing was $3.4 billion at March 31, 2023, and $3.5 billion at December 31, 2022. Income from loans sold, excluding servicing, was $5 million for the three months ended March 31, 2023, and $6 million for the three months ended March 31, 2022, respectively. Allowance for Credit Losses The allowance for credit losses (“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. For additional information regarding our policies and methodologies used to estimate the ACL, see Note 6 of our 2022 Form 10-K. The ACL for AFS and HTM debt securities is estimated separately from loans. For HTM securities, the ACL is estimated consistent with the approach for loans carried at amortized cost. See Note 5 of our 2022 Form 10-K for further discussion of our methodology used to estimate the ACL on AFS and HTM debt securities. Changes in the ACL are summarized as follows: Three Months Ended March 31, 2023 (In millions) Commercial Commercial Consumer Total Allowance for loan losses Balance at December 31, 2022 $ 300 $ 156 $ 119 $ 575 Adjustment for change in accounting standard — (4) 1 (3) Balance at beginning of period 300 152 120 572 Provision for loan losses 10 8 28 46 Gross loan and lease charge-offs 3 — 4 7 Recoveries 6 — 1 7 Net loan and lease charge-offs (recoveries) (3) — 3 — Balance at end of period $ 313 $ 160 $ 145 $ 618 Reserve for unfunded lending commitments Balance at beginning of period $ 16 $ 33 $ 12 $ 61 Provision for unfunded lending commitments 3 (5) 1 (1) Balance at end of period $ 19 $ 28 $ 13 $ 60 Total allowance for credit losses at end of period Allowance for loan losses $ 313 $ 160 $ 145 $ 618 Reserve for unfunded lending commitments 19 28 13 60 Total allowance for credit losses $ 332 $ 188 $ 158 $ 678 Three Months Ended March 31, 2022 (In millions) Commercial Commercial real estate Consumer Total Allowance for loan losses Balance at beginning of period $ 311 $ 107 $ 95 $ 513 Provision for loan losses (24) (5) — (29) Gross loan and lease charge-offs 13 — 4 17 Recoveries 8 — 3 11 Net loan and lease charge-offs (recoveries) 5 — 1 6 Balance at end of period $ 282 $ 102 $ 94 $ 478 Reserve for unfunded lending commitments Balance at beginning of period $ 19 $ 11 $ 10 $ 40 Provision for unfunded lending commitments (5) 1 — (4) Balance at end of period $ 14 $ 12 $ 10 $ 36 Total allowance for credit losses at end of period Allowance for loan losses $ 282 $ 102 $ 94 $ 478 Reserve for unfunded lending commitments 14 12 10 36 Total allowance for credit losses $ 296 $ 114 $ 104 $ 514 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 nonaccrual loans is summarized as follows: March 31, 2023 Amortized cost basis Total amortized cost basis (In millions) with no allowance with allowance Related allowance Commercial: Commercial and industrial $ 8 $ 69 $ 77 $ 45 Owner-occupied 20 13 33 1 Total commercial 28 82 110 46 Commercial real estate: Term 4 12 16 3 Total commercial real estate 4 12 16 3 Consumer: Home equity credit line — 11 11 3 1-4 family residential 5 29 34 5 Total consumer loans 5 40 45 8 Total $ 37 $ 134 $ 171 $ 57 December 31, 2022 Amortized cost basis Total amortized cost basis (In millions) with no allowance with allowance Related allowance Commercial: Commercial and industrial $ 8 $ 55 $ 63 $ 27 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 Bankcard and other revolving plans — — — — Total consumer loans 10 38 48 5 Total $ 31 $ 118 $ 149 $ 35 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 the three months ended March 31, 2023 and 2022, 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: Three Months Ended (In millions) 2023 2022 Commercial $ 2 $ 4 Commercial real estate 1 — Consumer — — Total $ 3 $ 4 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: March 31, 2023 (In millions) Current 30-89 days 90+ days Total Total Accruing Nonaccrual loans that are current 1 Commercial: Commercial and industrial $ 16,436 $ 53 $ 11 $ 64 $ 16,500 $ 1 $ 64 Leasing 385 — — — 385 — 1 Owner-occupied 9,305 9 3 12 9,317 — 28 Municipal 4,374 — — — 4,374 — — Total commercial 30,500 62 14 76 30,576 1 93 Commercial real estate: Construction and land development 2,308 5 — 5 2,313 — — Term 10,582 1 2 3 10,585 — 14 Total commercial real estate 12,890 6 2 8 12,898 — 14 Consumer: Home equity credit line 3,265 8 3 11 3,276 — 5 1-4 family residential 7,665 14 13 27 7,692 — 14 Construction and other consumer real estate 1,299 — — — 1,299 — — Bankcard and other revolving plans 455 3 1 4 459 1 — Other 130 1 — 1 131 — — Total consumer loans 12,814 26 17 43 12,857 1 19 Total $ 56,204 $ 94 $ 33 $ 127 $ 56,331 $ 2 $ 126 December 31, 2022 (In millions) Current 30-89 days 90+ days Total Total Accruing Nonaccrual loans that are current 1 Commercial: Commercial and industrial $ 16,331 $ 24 $ 22 $ 46 $ 16,377 $ 4 $ 45 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 1 Represents nonaccrual loans that are not past due more than 30 days; however, full payment of principal and interest is still 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 definition of Pass, Special Mention, Substandard, and Doubtful, which are consistent with published definitions of regulatory risk classifications. • 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 March 31, 2023 and December 31, 2022. For consumer loans and for commercial and CRE loans with commitments greater than $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 following schedule presents the amortized cost basis of loans and leases categorized by year of origination and by credit quality classification as monitored by management. The schedule also summarizes the current period gross charge-offs by year of origination. March 31, 2023 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) 2023 2022 2021 2020 2019 Prior Total Commercial: Commercial and industrial Pass $ 678 $ 3,181 $ 1,689 $ 899 $ 751 $ 577 $ 8,050 $ 186 $ 16,011 Special Mention — 3 3 6 39 2 63 — 116 Accruing Substandard 4 27 6 13 87 67 90 2 296 Nonaccrual — 1 8 5 10 2 47 4 77 Total commercial and industrial 682 3,212 1,706 923 887 648 8,250 192 16,500 Gross charge-offs — — — — — 1 2 — 3 Leasing Pass 25 155 64 42 61 34 — — 381 Special Mention — — — — — — — — — Accruing Substandard — — — — — 4 — — 4 Nonaccrual — — — — — — — — — Total leasing 25 155 64 42 61 38 — — 385 Gross charge-offs — — — — — — — — — Owner-occupied Pass 390 2,079 2,182 1,098 808 2,227 165 48 8,997 Special Mention 1 4 20 3 8 18 — — 54 Accruing Substandard 4 28 44 31 18 104 4 — 233 Nonaccrual — — 2 14 3 12 2 — 33 Total owner-occupied 395 2,111 2,248 1,146 837 2,361 171 48 9,317 Gross charge-offs — — — — — — — — — Municipal Pass 129 1,187 1,203 799 418 591 9 — 4,336 Special Mention — 32 6 — — — — — 38 Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total municipal 129 1,219 1,209 799 418 591 9 — 4,374 Gross charge-offs — — — — — — — — — Total commercial 1,231 6,697 5,227 2,910 2,203 3,638 8,430 240 30,576 Total commercial gross charge-offs — — — — — 1 2 — 3 Commercial real estate: Construction and land development Pass 115 616 607 219 39 3 571 105 2,275 Special Mention — 5 — — — — — 5 Accruing Substandard — 10 1 — 22 — — — 33 Nonaccrual — — — — — — — — — Total construction and land development 115 626 613 219 61 3 571 105 2,313 Gross charge-offs — — — — — — — — — Term Pass 714 2,723 2,002 1,697 1,026 1,777 191 175 10,305 Special Mention 19 17 — 41 — 5 — — 82 Accruing Substandard 13 44 9 46 26 42 2 — 182 Nonaccrual — — — — 4 12 — — 16 Total term 746 2,784 2,011 1,784 1,056 1,836 193 175 10,585 Gross charge-offs — — — — — — — — — Total commercial real estate 861 3,410 2,624 2,003 1,117 1,839 764 280 12,898 Total commercial real estate gross charge-offs — — — — — — — — — March 31, 2023 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) 2023 2022 2021 2020 2019 Prior Total Consumer: Home equity credit line Pass — — — — — — 3,167 95 3,262 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 3 — 3 Nonaccrual — — — — — — 9 2 11 Total home equity credit line — — — — — — 3,179 97 3,276 Gross charge-offs — — — — — — — — — 1-4 family residential Pass 381 1,916 1,594 1,034 628 2,103 — — 7,656 Special Mention — — — — — — — — — Accruing Substandard — — — — — 2 — — 2 Nonaccrual — 2 2 2 5 23 — — 34 Total 1-4 family residential 381 1,918 1,596 1,036 633 2,128 — — 7,692 Gross charge-offs — — — — — 2 — — 2 Construction and other consumer real estate Pass 22 775 440 35 18 9 — — 1,299 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total construction and other consumer real estate 22 775 440 35 18 9 — — 1,299 Gross charge-offs — — — — — — — — — Bankcard and other revolving plans Pass — — — — — — 455 1 456 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 2 1 3 Nonaccrual — — — — — — — — — Total bankcard and other revolving plans — — — — — — 457 2 459 Gross charge-offs — — — — — — 2 — 2 Other consumer Pass 30 54 27 9 7 4 — — 131 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total other consumer 30 54 27 9 7 4 — — 131 Gross charge-offs — — — — — — — — — Total consumer 433 2,747 2,063 1,080 658 2,141 3,636 99 12,857 Total consumer gross charge-offs — — — — — 2 2 — 4 Total loans $ 2,525 $ 12,854 $ 9,914 $ 5,993 $ 3,978 $ 7,618 $ 12,830 $ 619 $ 56,331 Total gross charge-offs $ — $ — $ — $ — $ — $ 3 $ 4 $ — $ 7 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 $ 1,874 $ 979 $ 876 $ 293 $ 264 $ 8,054 $ 182 $ 15,885 Special Mention 1 2 10 52 1 2 50 — 118 Accruing Substandard 26 7 17 78 30 67 84 2 311 Nonaccrual — 8 5 11 1 2 32 4 63 Total commercial and industrial 3,390 1,891 1,011 1,017 325 335 8,220 188 16,377 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 Loan Modifications On January 1, 2023, we adopted ASU 2022-02, Financial Instruments—Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures, which eliminated the recognition and measurement of troubled debt restructurings (“TDRs”) and their related disclosures. As a result, we no longer separately measure an allowance for credit losses for TDRs, relying instead on our credit loss estimation models. The adoption of this guidance had no material impact on our financial statements. ASU 2022-02 requires enhanced disclosures for loan modifications to borrowers experiencing financial difficulty. Loans may be modified in the normal course of business for competitive reasons or to strengthen our collateral position. Loan modifications may also occur when the borrower experiences financial difficulty and needs temporary or permanent relief from the original contractual terms of the loan. For loans that have been modified with a borrower experiencing financial difficulty, we use the same credit loss estimation methods that we use for the rest of the loan portfolio. These methods incorporate the post-modification loan terms, as well as defaults and charge-offs associated with historical modified loans. All nonaccruing loans more than $1 million are evaluated individually, regardless of modification. We consider many factors in determining whether to agree to a loan modification 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. A modified loan on nonaccrual 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 modification, or significant events that coincide with the modification, 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 modification 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. The amortized cost of loans to borrowers experiencing financial difficulty that were modified during the period, by loan class and modification type, is summarized in the following schedule: March 31, 2023 Amortized cost associated with the following modification types: (In millions) Interest Maturity Multiple modification types 1 Total 2 Percentage of total loans 3 Commercial: Commercial and industrial $ — $ 36 $ — $ 36 0.2 % Owner-occupied 4 6 — 10 0.1 Total commercial 4 42 — 46 0.2 Commercial real estate: Term — 49 — 49 0.5 Total commercial real estate — 49 — 49 0.4 Consumer: 1-4 family residential — — 1 1 — Bankcard and other revolving plans — 1 — 1 0.2 Total consumer loans — 1 1 2 — Total $ 4 $ 92 $ 1 $ 97 0.2 % 1 Includes modifications that resulted from a combination of interest rate reduction, maturity or term extension, principal forgiveness, and payment deferral modifications. 2 Unfunded lending commitments related to loans modified to borrowers experiencing financial difficulty totaled $8 million at March 31, 2023. 3 Amounts less than 0.05% are rounded to zero. The financial impact of loan modifications to borrowers experiencing financial difficulty during the three months ended March 31, 2023, is summarized in the following schedule: Three Months Ended March 31, 2023 (In millions) Weighted-average interest rate reduction (in percentage points) Weighted-average term extension Commercial: Commercial and industrial — % 10 Owner-occupied 4.4 5 Total commercial 4.4 9 Commercial real estate: Construction and land development — 6 Term — 9 Total commercial real estate — 9 Consumer: 1 1-4 family residential 1.3 110 Bankcard and other revolving plans — 65 Total consumer loans 1.3 84 Total weighted average financial impact 4.0 % 10 1 Primarily relates to one loan within each consumer loan class. Loan modifications to borrowers experiencing financial difficulty during the three months ended March 31, 2023, did not result in principal forgiveness for any class of loans. The following schedule presents the aging of loans to borrowers experiencing financial difficulty that were modified on or after January 1, 2023 (the date we adopted ASU 2022-02) through March 31, 2023, presented by portfolio segment and loan class. March 31, 2023 (In millions) Current 30-89 days 90+ days Total Total Commercial: Commercial and industrial $ 20 $ 16 $ — $ 16 $ 36 Owner-occupied 10 — — — 10 Total commercial 30 16 — 16 46 Commercial real estate: Term 49 — — — 49 Total commercial real estate 49 — — — 49 Consumer: 1-4 family residential — 1 — 1 1 Bankcard and other revolving plans 1 — — — 1 Total consumer loans 1 1 — 1 2 Total $ 80 $ 17 $ — $ 17 $ 97 Troubled Debt Restructuring Disclosures Prior to Our Adoption of ASU 2022-02 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 considered TDRs. For further discussion of our policies and processes regarding TDRs, see Note 6 of our 2022 Form 10-K. Information on TDRs, including the amortized cost on an accruing and nonaccruing basis by loan class and modification type is summarized in the following schedules: December 31, 2022 Amortized cost 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 the previous modification types reflected in the schedule. Unfunded lending commitments on TDRs totaled $7 million at December 31, 2022. The total amortized cost of all TDRs in which interest rates were modified below market was $63 million at December 31, 2022. These loans are included in the previous schedule in the columns for interest rate below market and multiple modification types. The net financial impact on interest income due to interest rate modifications below market for accruing TDRs for the year ended December 31, 2022 was not significant. On an ongoing basis, we monitor the performance of all TDRs according to their restructured terms. Subsequent payment default is defined in terms of delinquency, when principal or interest payments are past due 90 days or more for commercial loans, or 60 days or more for consumer loans. The amortized cost of TDRs that had a payment default during the year ended December 31, 2022, which were still in default at period end, and were within 12 months or less of being modified as TDRs was approximately $10 million. Collateral-Dependent Loans When a loan is individually evaluated for expected credit losses, we estimate a specific reserve for the loan based on 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. Select information on loans for which the borrower is experiencing financial difficulties and repayment is expected to be provided substantially through the operation or sale of the underlying collateral, including the type of collateral and the extent to which the collateral secures the loans, is summarized as follows: March 31, 2023 (Dollar amounts in millions) Amortized cost Major types of collateral Weighted average LTV 1 Commercial: Owner-occupied $ 12 Hospital 30% Commercial real estate: Term 5 Hotel, Multi-family 64% Total $ 17 December 31, 2022 (Dollar amounts 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 1 The fair value is based on the most recent appraisal or other collateral evaluation . Foreclosed Residential Real Estate At March 31, 2023 and December 31, 2022, we did not have any foreclosed residential real estate property. The amortized cost basis of consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure was $5 million and $10 million for the same periods, respectively.

Derivative Instruments and Hedg

Derivative Instruments and Hedging Activities	3 Months Ended
	Mar. 31, 2023
Summary of Derivative Instruments [Abstract]
DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES	DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES Objectives and Accounting Our primary objective for using derivatives is to manage interest rate risk. We use derivatives to stabilize forecasted interest income from variable-rate assets and to modify the coupon or the duration of fixed-rate financial assets or liabilities. We also assist clients with their risk management needs through the use of derivatives. For a more detailed discussion of the use of and accounting policies regarding derivative instruments, see Note 7 of our 2022 Form 10-K. Fair Value Hedges of Liabilities – At March 31, 2023, 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. Changes in the fair value of derivatives designated as fair value hedges of debt were offset by changes in the fair value of the hedged debt instruments as shown in the schedules below. Fair Value Hedges of Assets – At March 31, 2023, we had pay-fixed, receive-floating interest rate swaps with an aggregate notional amount of $1.2 billion designated as fair value hedges of certain AFS securities. These swaps effectively convert the fixed interest income to a floating rate on the hedged portion of the securities. Changes in fair value of derivatives designated as fair value hedges of fixed-rate AFS securities were offset by changes in the value of the hedged securities, as shown in the schedules below. Cash Flow Hedges – At March 31, 2023, we had receive-fixed interest rate swaps with an aggregate notional amount of $4.4 billion designated as cash flow hedges of pools of floating-rate commercial loans. During the first quarter of 2023, swaps designated as cash flow hedges with an aggregate notional amount of $300 million matured. Additionally, during the first quarter of 2023, we terminated cash flow hedging relationships with an aggregate notional amount of $2.9 billion. At March 31, 2023, there was $153 million of losses deferred in AOCI related to the terminated cash flow hedges that is expected to be fully amortized by October 2027. Changes in the fair value of qualifying cash flow hedges during the quarter were recorded in AOCI as shown in the schedule below. The amounts deferred in AOCI are reclassified into earnings in the periods in which the hedged interest receipts occur (i.e., when the hedged forecasted transactions affect earnings). Collateral and Credit Risk Exposure to credit risk arises from the possibility of nonperformance by counterparties. No significant losses on derivative instruments have occurred as a result of counterparty nonperformance. For a more detailed discussion of collateral and credit-risk-related to our derivative contracts, see Note 7 of our 2022 Form 10-K. Our derivative contracts require us to pledge collateral for derivatives that are in a net liability position at a given balance sheet date. Certain of these 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. In past situations, not all counterparties have demanded that additional collateral be pledged when provided for by the contractual terms. At March 31, 2023, the fair value of our derivative liabilities was $353 million, for which we were required to pledge cash collateral of less than $1 million in the normal course of business. If our credit rating were downgraded one notch by either Standard & Poor’s (“S&P”) or Moody’s at March 31, 2023, there would likely be no additional collateral required to be pledged. Derivative Amounts Certain information with respect to notional amounts and recorded gross fair values at March 31, 2023 and December 31, 2022, and the related gain (loss) of derivative instruments is summarized as follows: March 31, 2023 December 31, 2022 Notional Fair value Notional Fair value (In millions) Other Other Other Other Derivatives designated as hedging instruments: Cash flow hedges of floating-rate assets: Receive-fixed interest rate swaps $ 4,433 $ — $ — $ 7,633 $ — $ 1 Fair value hedges: Debt hedges: Receive-fixed interest rate swaps 500 — — 500 — — Asset hedges: Pay-fixed interest rate swaps 1,227 69 — 1,228 84 — Total derivatives designated as hedging instruments 6,160 69 — 9,361 84 1 Derivatives not designated as hedging instruments: Customer interest rate derivatives 1 13,804 295 349 13,670 296 443 Other interest rate derivatives 2,417 1 — 862 — — Foreign exchange derivatives 258 4 4 605 6 7 Total derivatives not designated as hedging instruments 16,479 300 353 15,137 302 450 Total derivatives $ 22,639 $ 369 $ 353 $ 24,498 $ 386 $ 451 1 Customer interest rate derivatives include a net credit valuation adjustment (“CVA”) of $9 million, reducing the fair value of the liability at March 31, 2023, and $13 million, reducing the fair value of the liability at December 31, 2022. The amount of derivative gains (losses) from cash flow and fair value hedges that was deferred in other comprehensive income (“OCI”) or recognized in earnings for the three months ended March 31, 2023 and 2022 is shown in the schedules below. Three Months Ended March 31, 2023 (In millions) Effective portion of derivative gain/(loss) deferred in AOCI Amount of gain/(loss) reclassified from AOCI into income Interest on fair value hedges Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ — $ — Interest rate swaps 38 (49) — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — 4 Basis amortization on terminated hedges 2, 3 — — — Fair value hedges of assets: Pay-fixed interest rate swaps — — 6 Basis amortization on terminated hedges 3 — — — Total derivatives designated as hedging instruments $ 38 $ (49) $ 10 Three Months Ended March 31, 2022 (In millions) Effective portion of derivative gain/(loss) deferred in AOCI Amount of gain/(loss) reclassified from AOCI into income Interest on fair value hedges Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ 2 $ — Interest rate swaps (178) 12 — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — 2 Basis amortization on terminated hedges 2 — — 1 Fair value hedges of assets: Pay-fixed interest rate swaps — — (1) Basis amortization on terminated hedges 2 — — — Total derivatives designated as hedging instruments $ (178) $ 14 $ 2 1 For the 12 months following March 31, 2023, we estimate that $156 million of losses will be reclassified from AOCI into interest income, compared with an estimate of $205 million of losses as of March 31, 2022. 2 There was no remaining cumulative unamortized basis adjustment for terminated or redesignated fair value hedges of debt at March 31, 2023 and March 31, 2022. There was $10 million and $7 million of cumulative unamortized basis adjustments from terminated or redesignated fair value hedges of assets at March 31, 2023 and March 31, 2022, respectively. The amount of gains (losses) recognized from derivatives not designated as accounting hedges is summarized as follows: Other Noninterest Income/(Expense) (In millions) Three Months Ended March 31, 2023 Three Months Ended March 31, 2022 Derivatives not designated as hedging instruments: Customer-facing interest rate derivatives $ 1 $ 13 Other interest rate derivatives 1 1 Foreign exchange derivatives 7 6 Total derivatives not designated as hedging instruments $ 9 $ 20 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 Three Months Ended March 31, 2023 Three Months Ended March 31, 2022 (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 $ 12 $ (12) $ — $ (32) $ 32 $ — Assets: Pay-fixed interest rate swaps 1, 2 40 (40) — 53 (53) — 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 net 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) 1 Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged item (In millions) March 31, 2023 December 31, 2022 March 31, 2023 December 31, 2022 March 31, 2023 December 31, 2022 Long-term fixed-rate debt $ (500) $ (500) $ (447) $ (435) $ 53 $ 65 Fixed-rate AFS securities 1,227 1228 1,001 962 (227) (266) 1 Carrying amounts 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	3 Months Ended
	Mar. 31, 2023
Leases [Abstract]
LEASES	LEASES We have operating and finance leases for branches, corporate offices, and data centers. At March 31, 2023, we had 412 branches, of which 277 are owned and 135 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 right-of-use (“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 The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate. (Dollar amounts in millions) March 31, December 31, 2022 Operating leases ROU assets, net of amortization $ 174 $ 173 Lease liabilities 199 198 Finance leases ROU assets, net of amortization 3 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.6 8.4 Finance leases 17.1 17.4 Weighted average discount rate Operating leases 3.0 % 2.9 % Finance leases 3.1 % 3.1 % Additional information related to lease expense is presented in the following schedule. Three Months Ended March 31, (In millions) 2023 2022 Lease expense: Operating lease expense $ 11 $ 12 Other expenses associated with operating leases 1 15 12 Total lease expense $ 26 $ 24 Related cash disbursements from operating leases $ 12 $ 12 1 Other expenses primarily relate to property taxes and building and property maintenance. 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 1 $ 35 2024 39 2025 31 2026 26 2027 17 Thereafter 85 Total $ 233 1 Contractual maturities for the nine months remaining in 2023. 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 $3 million for both the first quarter of 2023 and 2022. We originated equipment leases, considered to be sales-type leases or direct financing leases, totaling $385 million and $386 million at March 31, 2023 and December 31, 2022, respectively. We recorded income of $4 million a nd $3 million on these leases for the first three months of 2023 and 2022, respectively.
LEASES	LEASES We have operating and finance leases for branches, corporate offices, and data centers. At March 31, 2023, we had 412 branches, of which 277 are owned and 135 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 right-of-use (“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 The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate. (Dollar amounts in millions) March 31, December 31, 2022 Operating leases ROU assets, net of amortization $ 174 $ 173 Lease liabilities 199 198 Finance leases ROU assets, net of amortization 3 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.6 8.4 Finance leases 17.1 17.4 Weighted average discount rate Operating leases 3.0 % 2.9 % Finance leases 3.1 % 3.1 % Additional information related to lease expense is presented in the following schedule. Three Months Ended March 31, (In millions) 2023 2022 Lease expense: Operating lease expense $ 11 $ 12 Other expenses associated with operating leases 1 15 12 Total lease expense $ 26 $ 24 Related cash disbursements from operating leases $ 12 $ 12 1 Other expenses primarily relate to property taxes and building and property maintenance. 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 1 $ 35 2024 39 2025 31 2026 26 2027 17 Thereafter 85 Total $ 233 1 Contractual maturities for the nine months remaining in 2023. 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 $3 million for both the first quarter of 2023 and 2022. We originated equipment leases, considered to be sales-type leases or direct financing leases, totaling $385 million and $386 million at March 31, 2023 and December 31, 2022, respectively. We recorded income of $4 million a nd $3 million on these leases for the first three months of 2023 and 2022, respectively.
LEASES	. LEASES We have operating and finance leases for branches, corporate offices, and data centers. At March 31, 2023, we had 412 branches, of which 277 are owned and 135 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 right-of-use (“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 The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate. (Dollar amounts in millions) March 31, December 31, 2022 Operating leases ROU assets, net of amortization $ 174 $ 173 Lease liabilities 199 198 Finance leases ROU assets, net of amortization 3 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.6 8.4 Finance leases 17.1 17.4 Weighted average discount rate Operating leases 3.0 % 2.9 % Finance leases 3.1 % 3.1 % Additional information related to lease expense is presented in the following schedule. Three Months Ended March 31, (In millions) 2023 2022 Lease expense: Operating lease expense $ 11 $ 12 Other expenses associated with operating leases 1 15 12 Total lease expense $ 26 $ 24 Related cash disbursements from operating leases $ 12 $ 12 1 Other expenses primarily relate to property taxes and building and property maintenance. 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 1 $ 35 2024 39 2025 31 2026 26 2027 17 Thereafter 85 Total $ 233 1 Contractual maturities for the nine months remaining in 2023. 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 $3 million for both the first quarter of 2023 and 2022. We originated equipment leases, considered to be sales-type leases or direct financing leases, totaling $385 million and $386 million at March 31, 2023 and December 31, 2022, respectively. We recorded income of $4 million a nd $3 million on these leases for the first three months of 2023 and 2022, respectively.
LEASES	. LEASES We have operating and finance leases for branches, corporate offices, and data centers. At March 31, 2023, we had 412 branches, of which 277 are owned and 135 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 right-of-use (“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 The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate. (Dollar amounts in millions) March 31, December 31, 2022 Operating leases ROU assets, net of amortization $ 174 $ 173 Lease liabilities 199 198 Finance leases ROU assets, net of amortization 3 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.6 8.4 Finance leases 17.1 17.4 Weighted average discount rate Operating leases 3.0 % 2.9 % Finance leases 3.1 % 3.1 % Additional information related to lease expense is presented in the following schedule. Three Months Ended March 31, (In millions) 2023 2022 Lease expense: Operating lease expense $ 11 $ 12 Other expenses associated with operating leases 1 15 12 Total lease expense $ 26 $ 24 Related cash disbursements from operating leases $ 12 $ 12 1 Other expenses primarily relate to property taxes and building and property maintenance. 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 1 $ 35 2024 39 2025 31 2026 26 2027 17 Thereafter 85 Total $ 233 1 Contractual maturities for the nine months remaining in 2023. 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 $3 million for both the first quarter of 2023 and 2022. We originated equipment leases, considered to be sales-type leases or direct financing leases, totaling $385 million and $386 million at March 31, 2023 and December 31, 2022, respectively. We recorded income of $4 million a nd $3 million on these leases for the first three months of 2023 and 2022, respectively.
LEASES	. LEASES We have operating and finance leases for branches, corporate offices, and data centers. At March 31, 2023, we had 412 branches, of which 277 are owned and 135 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 right-of-use (“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 The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate. (Dollar amounts in millions) March 31, December 31, 2022 Operating leases ROU assets, net of amortization $ 174 $ 173 Lease liabilities 199 198 Finance leases ROU assets, net of amortization 3 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.6 8.4 Finance leases 17.1 17.4 Weighted average discount rate Operating leases 3.0 % 2.9 % Finance leases 3.1 % 3.1 % Additional information related to lease expense is presented in the following schedule. Three Months Ended March 31, (In millions) 2023 2022 Lease expense: Operating lease expense $ 11 $ 12 Other expenses associated with operating leases 1 15 12 Total lease expense $ 26 $ 24 Related cash disbursements from operating leases $ 12 $ 12 1 Other expenses primarily relate to property taxes and building and property maintenance. 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 1 $ 35 2024 39 2025 31 2026 26 2027 17 Thereafter 85 Total $ 233 1 Contractual maturities for the nine months remaining in 2023. 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 $3 million for both the first quarter of 2023 and 2022. We originated equipment leases, considered to be sales-type leases or direct financing leases, totaling $385 million and $386 million at March 31, 2023 and December 31, 2022, respectively. We recorded income of $4 million a nd $3 million on these leases for the first three months of 2023 and 2022, respectively.

Long-Term Debt and Shareholders

Long-Term Debt and Shareholders' Equity	3 Months Ended
	Mar. 31, 2023
Debt And Equity [Abstract]
LONG-TERM DEBT AND SHAREHOLDERS' EQUITY	LONG-TERM DEBT AND SHAREHOLDERS’ EQUITY Long-Term Debt The long-term debt carrying values in the following schedule represent the par value of the debt, adjusted for any unamortized premium or discount, unamortized debt issuance costs, and basis adjustments for interest rate swaps designated as fair value hedges. LONG-TERM DEBT (In millions) March 31, December 31, 2022 Subordinated notes 1 $ 531 $ 519 Senior notes 128 128 Finance lease obligations 4 4 Total $ 663 $ 651 1 The change in the subordinated notes balance is primarily due to a fair value hedge accounting adjustment. See also Note 7. Shareholders' Equity Our common stock is traded on the National Association of Securities Dealers Automated Quotations (“NASDAQ”) Global Select Market. At March 31, 2023, there were 148.1 million shares of $0.001 par value common stock outstanding. Common stock and additional paid-in capital decreased $39 million, or 2%, to $1.7 billion at March 31, 2023, from December 31, 2022, primarily due to common stock repurchases. During the first three months of 2023, we repurchased 0.9 million common shares outstanding for $50 million at an average price of $52.82 per share. AOCI was $2.9 billion at March 31, 2023, and reflects the decline in the fair value of fixed-rate available-for-sale securities as a result of changes in interest rates. The following schedule summarizes the changes in AOCI by component. (In millions) Net unrealized gains/(losses) on investment securities Net unrealized gains/(losses) on derivatives and other Pension and post-retirement Total Three Months Ended March 31, 2023 Balance at December 31, 2022 $ (2,800) $ (311) $ (1) $ (3,112) OCI before reclassifications, net of tax 126 29 — 155 Amounts reclassified from AOCI, net of tax — 37 — 37 Other comprehensive income 126 66 — 192 Balance at March 31, 2023 $ (2,674) $ (245) $ (1) $ (2,920) Income tax expense included in OCI $ 41 $ 22 $ — $ 63 Three Months Ended March 31, 2022 Balance at December 31, 2021 $ (78) $ — $ (2) $ (80) OCI (loss) before reclassifications, net of tax (1,121) (135) — (1,256) Amounts reclassified from AOCI, net of tax — (10) — (10) Other comprehensive loss (1,121) (145) — (1,266) Balance at March 31, 2022 $ (1,199) $ (145) $ (2) $ (1,346) Income tax benefit included in OCI (loss) $ (363) $ (47) $ — $ (410) Amounts reclassified from AOCI 1 Statement of income (SI) (In millions) Three Months Ended Details about AOCI components 2023 2022 Affected line item Net unrealized gains (losses) on derivative instruments $ (49) $ 14 SI Interest and fees on loans Less: Income tax expense (benefit) (12) 4 Amounts reclassified from AOCI $ (37) $ 10 1 Positive reclassification amounts indicate increases to earnings in the income statement.

Commitments, Guarantees, and Co

Commitments, Guarantees, and Contingent Liabilities	3 Months Ended
	Mar. 31, 2023
Commitments, Guarantees, and Contingent Liabilities [Abstract]
COMMITMENTS, GUARANTEES AND CONTINGENT LIABILITIES	COMMITMENTS, GUARANTEES, AND CONTINGENT LIABILITIES Commitments and Guarantees The following schedule presents the contractual amounts related to off-balance sheet financial instruments used to meet the financing needs of our customers. (In millions) March 31, December 31, Unfunded lending commitments 1 $ 29,907 $ 29,628 Standby letters of credit: Financial 633 667 Performance 169 184 Commercial letters of credit 14 11 Mortgage-backed security purchase agreements 2 47 23 Total unfunded commitments $ 30,770 $ 30,513 1 Net of participations. 2 Represents agreements with Farmer Mac to purchase securities backed by certain agricultural mortgage loans. For more information about these commitments and guarantees including their terms and collateral requirements, see Note 16 of our 2022 Form 10-K. Legal Matters We are involved in various legal proceedings, which may include 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 March 31, 2023, we were subject to the following material litigation or governmental inquiries: • Two civil cases, Lifescan Inc. and Johnson & Johnson Health Care Services v. Jeffrey 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. • Two class action lawsuits, Evans v. CB&T, and Gregory, et. al. v. Zions Bancorporation , were settled in principle 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 sought and obtained final court approval of the settlement on April 24, 2023, with payment to occur in June 2023. 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 March 31, 2023, 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.

Revenue Recognition

Revenue Recognition	3 Months Ended
	Mar. 31, 2023
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 80% of our total revenue in the first quarter of 2023. Only noninterest income is considered to be revenue from contracts with customers in scope of ASC 606. For more information about our revenue recognition from contracts, see Note 17 of our 2022 Form 10-K. Disaggregation of Revenue The schedule below presents net revenue by our operating business segments for the three months ended March 31, 2023 and 2022. Zions Bank CB&T Amegy (In millions) 2023 2022 2023 2022 2023 2022 Commercial account fees $ 14 $ 15 $ 7 $ 7 $ 14 $ 11 Card fees 13 13 5 5 8 8 Retail and business banking fees 5 6 3 3 3 4 Capital markets fees — — — — — — Wealth management fees 6 6 1 1 4 4 Other customer-related fees 2 2 1 1 2 1 Total noninterest income from contracts with customers (ASC 606) 40 42 17 17 31 28 Other noninterest income (non-ASC 606 customer-related) 7 4 5 6 8 9 Total customer-related noninterest income 47 46 22 23 39 37 Other noncustomer-related noninterest income 3 — 2 1 2 — Total noninterest income 50 46 24 24 41 37 Net interest income 185 157 160 129 124 112 Total net revenue $ 235 $ 203 $ 184 $ 153 $ 165 $ 149 NBAZ NSB Vectra (In millions) 2023 2022 2023 2022 2023 2022 Commercial account fees $ 2 $ 2 $ 3 $ 3 $ 2 $ 2 Card fees 4 4 4 3 2 2 Retail and business banking fees 2 2 3 3 1 1 Capital markets fees — — — — — — Wealth management fees 1 1 1 1 — — Other customer-related fees — — — — 1 1 Total noninterest income from contracts with customers (ASC 606) 9 9 11 10 6 6 Other noninterest income (non-ASC 606 customer-related) 1 1 — 2 1 2 Total customer-related noninterest income 10 10 11 12 7 8 Other noncustomer-related noninterest income — 1 — — — — Total noninterest income 10 11 11 12 7 8 Net interest income 64 51 51 37 41 33 Total net revenue $ 74 $ 62 $ 62 $ 49 $ 48 $ 41 TCBW Other Consolidated Bank (In millions) 2023 2022 2023 2022 2023 2022 Commercial account fees $ 1 $ 1 $ — $ — $ 43 $ 41 Card fees 1 — (1) 1 36 36 Retail and business banking fees — — (1) — 16 19 Capital markets fees — — 1 1 1 1 Wealth management fees — — — — 13 13 Other customer-related fees — — 9 9 15 14 Total noninterest income from contracts with customers (ASC 606) 2 1 8 11 124 124 Other noninterest income (non-ASC 606 customer-related) — — 5 3 27 27 Total customer-related noninterest income 2 1 13 14 151 151 Other noncustomer-related noninterest income — — 2 (11) 9 (9) Total noninterest income 2 1 15 3 160 142 Net interest income 16 14 38 11 679 544 Total net revenue $ 18 $ 15 $ 53 $ 14 $ 839 $ 686 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.

Income Taxes

Income Taxes	3 Months Ended
	Mar. 31, 2023
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES The effective income tax rate was 27.7% for the first quarter of 2023, compared with 20.4% for the first quarter of 2022. The tax rates during both periods were reduced by nontaxable municipal interest income and nontaxable income from certain bank-owned life insurance (“BOLI”), and were increased by the non-deductibility of Federal Deposit Insurance Corporation (“FDIC”) premiums, certain executive compensation plans, and other fringe benefits. The tax rate for the first quarter of 2023 was higher relative to the same prior year period, primarily as a result of a discrete item that affected the reserve for uncertain tax positions during the current quarter. Discrete items accounted for a four percentage point increase to the effective tax rate during the first quarter of 2023, compared with a two percentage point decrease in the prior year quarter. At both March 31, 2023 and December 31, 2022, we had a net deferred tax asset (“DTA”) totaling $1.1 billion. On the consolidated balance sheet, the net DTA is included in “Other assets.” 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 deferred tax liabilities (“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 both March 31, 2023 and December 31, 2022.

Net Earnings Per Common Share

Net Earnings Per Common Share	3 Months Ended
	Mar. 31, 2023
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: Three Months Ended (In millions, except shares and per share amounts) 2023 2022 Basic: Net income $ 204 $ 203 Less common and preferred dividends 67 66 Undistributed earnings 137 137 Less undistributed earnings applicable to nonvested shares 1 1 Undistributed earnings applicable to common shares 136 136 Distributed earnings applicable to common shares 61 57 Total earnings applicable to common shares $ 197 $ 193 Weighted average common shares outstanding (in thousands) 148,015 151,285 Net earnings per common share $ 1.33 $ 1.27 Diluted: Total earnings applicable to common shares $ 197 $ 193 Weighted average common shares outstanding (in thousands) 148,015 151,285 Dilutive effect of stock options (in thousands) 23 402 Weighted average diluted common shares outstanding (in thousands) 148,038 151,687 Net earnings per common share $ 1.33 $ 1.27 The following schedule presents the weighted average stock awards that were anti-dilutive and not included in the calculation of diluted earnings per share: Three Months Ended (In thousands) 2023 2022 Restricted stock and restricted stock units 1,334 1,339 Stock options 1,230 109

Operating Segment Information

Operating Segment Information	3 Months Ended
	Mar. 31, 2023
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, California Bank & Trust, Amegy Bank, 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. 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 March 31, 2023, Zions Bank operated 95 branches in Utah, 25 branches in Idaho, and one branch in Wyoming. CB&T operated 77 branches in California. Amegy operated 75 branches in Texas. NBAZ operated 56 branches in Arizona. NSB operated 46 branches in Nevada. Vectra operated 33 branches in Colorado and one branch in New Mexico. TCBW operated two branches in Washington and one branch in Oregon. 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 for the three months ended March 31, 2023 and 2022: Zions Bank CB&T Amegy (In millions) 2023 2022 2023 2022 2023 2022 SELECTED INCOME STATEMENT DATA Net interest income $ 185 $ 157 $ 160 $ 129 $ 124 $ 112 Provision for credit losses 24 (2) — 6 11 (27) Net interest income after provision for credit losses 161 159 160 123 113 139 Noninterest income 50 46 24 24 41 37 Noninterest expense 135 123 92 84 98 86 Income (loss) before income taxes $ 76 $ 82 $ 92 $ 63 $ 56 $ 90 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 13,978 $ 12,817 $ 14,016 $ 12,845 $ 12,844 $ 11,795 Total average deposits 20,953 26,120 14,644 16,468 13,287 16,413 NBAZ NSB Vectra (In millions) 2023 2022 2023 2022 2023 2022 SELECTED INCOME STATEMENT DATA Net interest income $ 64 $ 51 $ 51 $ 37 $ 41 $ 33 Provision for credit losses (1) (4) 4 (3) 3 (4) Net interest income after provision for credit losses 65 55 47 40 38 37 Noninterest income 10 11 11 12 7 8 Noninterest expense 47 40 41 37 33 30 Income (loss) before income taxes $ 28 $ 26 $ 17 $ 15 $ 12 $ 15 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 5,150 $ 4,774 $ 3,327 $ 2,817 $ 3,983 $ 3,398 Total average deposits 7,179 7,953 6,972 7,437 3,707 4,298 TCBW Other Consolidated Bank (In millions) 2023 2022 2023 2022 2023 2022 SELECTED INCOME STATEMENT DATA Net interest income $ 16 $ 14 $ 38 $ 11 $ 679 $ 544 Provision for credit losses 2 — 2 1 45 (33) Net interest income after provision for credit losses 14 14 36 10 634 577 Noninterest income 2 1 15 3 160 142 Noninterest expense 6 6 60 58 512 464 Income (loss) before income taxes $ 10 $ 9 $ (9) $ (45) $ 282 $ 255 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 1,711 $ 1,591 $ 1,144 $ 896 $ 56,153 $ 50,933 Total average deposits 1,383 1,581 2,031 1,335 70,156 81,605

Recent Accounting Pronounceme_2

Recent Accounting Pronouncements (Policies)	3 Months Ended
	Mar. 31, 2023
Accounting Policies [Abstract]
Recent Accounting Pronouncements and Developments	Standard Description Date of adoption Effect on the financial statements or other significant matters Standards not yet adopted by the Bank ASU 2023-02, Investments—Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method (a consensus of the Emerging Issues Task Force) This Accounting Standards Update (“ASU”) expands the optional use of the proportional amortization method (“PAM”), previously limited to investments in low-income housing tax credit (“LIHTC”) structures, to any eligible equity investments made primarily for the purpose of receiving income tax credit and other tax benefits when certain criteria are met. PAM results in the cost of the investment being amortized in proportion to the income tax credits and other income tax benefits received, with the amortization of the investment and the income tax credits being presented net in the income statement as a component of income tax expense (benefit). This ASU allows for an accounting policy election to apply PAM on a tax-credit-program-by-tax-credit-program basis. The ASU also includes additional disclosure requirements about equity investments accounted for using PAM. 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 We do not currently have any additional equity investments that are eligible for PAM under the provisions of this ASU. We will continue to evaluate its use for new investments. The overall effect of the guidance is not expected to have a material impact on our financial statements. We do not plan to early adopt this new standard. 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. Standards adopted by the Bank during the period ASU 2022-02, Financial Instruments—Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures This ASU eliminates the recognition and measurement requirements for troubled debt restructurings (“TDRs”) for creditors that have adopted ASC 326 (“CECL”), and eliminates certain TDR disclosures while requiring enhanced disclosures about loan modifications for borrowers experiencing financial difficulty. The new standard also requires public companies to present current period gross charge-offs (on a current year-to-date basis for interim-period disclosures) by year of origination in their vintage disclosures. Periods beginning after December 15, 2022 We adopted this ASU on January 1, 2023. It did not have a material impact on our financial statements.
Allowance for Credit Losses	Allowance for Credit Losses The allowance for credit losses (“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. For additional information regarding our policies and methodologies used to estimate the ACL, see Note 6 of our 2022 Form 10-K. The ACL for AFS and HTM debt securities is estimated separately from loans. For HTM securities, the ACL is estimated consistent with the approach for loans carried at amortized cost. See Note 5 of our 2022 Form 10-K for further discussion of our methodology used to estimate the ACL on AFS and HTM debt securities.

Recent Accounting Pronounceme_3

Recent Accounting Pronouncements (Tables)	3 Months Ended
	Mar. 31, 2023
Accounting Policies [Abstract]
Accounting Standards Update and Change in Accounting Principle	Standard Description Date of adoption Effect on the financial statements or other significant matters Standards not yet adopted by the Bank ASU 2023-02, Investments—Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method (a consensus of the Emerging Issues Task Force) This Accounting Standards Update (“ASU”) expands the optional use of the proportional amortization method (“PAM”), previously limited to investments in low-income housing tax credit (“LIHTC”) structures, to any eligible equity investments made primarily for the purpose of receiving income tax credit and other tax benefits when certain criteria are met. PAM results in the cost of the investment being amortized in proportion to the income tax credits and other income tax benefits received, with the amortization of the investment and the income tax credits being presented net in the income statement as a component of income tax expense (benefit). This ASU allows for an accounting policy election to apply PAM on a tax-credit-program-by-tax-credit-program basis. The ASU also includes additional disclosure requirements about equity investments accounted for using PAM. 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 We do not currently have any additional equity investments that are eligible for PAM under the provisions of this ASU. We will continue to evaluate its use for new investments. The overall effect of the guidance is not expected to have a material impact on our financial statements. We do not plan to early adopt this new standard. 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. Standards adopted by the Bank during the period ASU 2022-02, Financial Instruments—Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures This ASU eliminates the recognition and measurement requirements for troubled debt restructurings (“TDRs”) for creditors that have adopted ASC 326 (“CECL”), and eliminates certain TDR disclosures while requiring enhanced disclosures about loan modifications for borrowers experiencing financial difficulty. The new standard also requires public companies to present current period gross charge-offs (on a current year-to-date basis for interim-period disclosures) by year of origination in their vintage disclosures. Periods beginning after December 15, 2022 We adopted this ASU on January 1, 2023. It did not have a material impact on our financial statements.

Fair Value (Tables)

Fair Value (Tables)	3 Months Ended
	Mar. 31, 2023
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) March 31, 2023 Level 1 Level 2 Level 3 Total ASSETS Available-for-sale securities: U.S. Treasury, agencies and corporations $ 511 $ 9,612 $ — $ 10,123 Municipal securities 1,447 1,447 Other debt securities 24 24 Total available-for-sale 511 11,083 — 11,594 Trading securities 12 12 Other noninterest-bearing investments: Bank-owned life insurance 547 547 Private equity investments 1 3 82 85 Other assets: Agriculture loan servicing and interest-only strips 18 18 Deferred compensation plan assets 109 109 Derivatives 369 369 Total assets $ 623 $ 12,011 $ 100 $ 12,734 LIABILITIES Securities sold, not yet purchased $ 281 $ — $ — $ 281 Other liabilities: Derivatives 353 353 Total liabilities $ 281 $ 353 $ — $ 634 1 The Level 1 private equity investments (“PEIs”) relate to the portion of our Small Business Investment Company (“SBIC”) investments that are publicly traded. (In millions) December 31, 2022 Level 1 Level 2 Level 3 Total ASSETS Available-for-sale securities: 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 securities 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 publicly traded.
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 Three Months Ended March 31, 2023 March 31, 2022 (In millions) Private equity investments Ag loan servicing & interest-only strips Private equity investments Ag loan servicing & interest-only strips Balance at beginning of period $ 81 $ 14 $ 66 $ 12 Unrealized securities gains (losses), net — — 5 — Other noninterest income (expense) — 4 — — Purchases 1 — 6 — Cost of investments sold — — (3) — Transfers out 1 — — — — Balance at end of period $ 82 $ 18 $ 74 $ 12 1 Represents the transfer of SBIC investments out of Level 3 and into Level 1 because they are publicly traded.
Schedule of Rollforward of Level 3 Fair Value Measurements Including Realized Gains and Losses in the Income Statement	The rollforward of Level 3 instruments includes the following realized gains and losses recognized in securities gains (losses) on the consolidated statement of income for the periods presented: (In millions) Three Months Ended March 31, 2023 March 31, 2022 Securities gains (losses), net $ — $ (2)
Schedule of Carrying Values and Estimated Fair Values	The following schedule presents the carrying values and estimated fair values of certain financial instruments: March 31, 2023 December 31, 2022 (In millions) Carrying Fair value Level Carrying Fair value Level Financial assets: Held-to-maturity investment securities $ 10,961 $ 11,210 2 $ 11,126 $ 11,239 2 Loans and leases (including loans held for sale), net of allowance 55,718 53,226 3 55,086 53,093 3 Financial liabilities: Time deposits 7,337 7,319 2 2,309 2,269 2 Long-term debt 663 577 2 651 635 2

Offsetting Assets and Liabili_2

Offsetting Assets and Liabilities (Tables)	3 Months Ended
	Mar. 31, 2023
Offsetting [Abstract]
Schedule of Offsetting Assets and Liabilities	The following schedules present gross and net information for selected financial instruments on the balance sheet. March 31, 2023 Gross amounts not offset in the balance sheet (In millions) 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 $ 688 $ — $ 688 $ — $ — $ 688 Derivatives (included in other assets) 369 — 369 (23) (326) 20 Total assets $ 1,057 $ — $ 1,057 $ (23) $ (326) $ 708 Liabilities: Federal funds and other short-term borrowings $ 12,124 $ — $ 12,124 $ — $ — $ 12,124 Derivatives (included in other liabilities) 353 — 353 (23) — 330 Total liabilities $ 12,477 $ — $ 12,477 $ (23) $ — $ 12,454 December 31, 2022 Gross amounts not offset in the balance sheet (In millions) 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
Schedule of Offsetting Assets and Liabilities	The following schedules present gross and net information for selected financial instruments on the balance sheet. March 31, 2023 Gross amounts not offset in the balance sheet (In millions) 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 $ 688 $ — $ 688 $ — $ — $ 688 Derivatives (included in other assets) 369 — 369 (23) (326) 20 Total assets $ 1,057 $ — $ 1,057 $ (23) $ (326) $ 708 Liabilities: Federal funds and other short-term borrowings $ 12,124 $ — $ 12,124 $ — $ — $ 12,124 Derivatives (included in other liabilities) 353 — 353 (23) — 330 Total liabilities $ 12,477 $ — $ 12,477 $ (23) $ — $ 12,454 December 31, 2022 Gross amounts not offset in the balance sheet (In millions) 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

Investments (Tables)

Investments (Tables)	3 Months Ended
	Mar. 31, 2023
Investments [Abstract]
Summary of Investment Securities	The following schedule summarizes the amortized cost and estimated fair values of our HTM and AFS securities: March 31, 2023 (In millions) Amortized Gross unrealized gains Gross unrealized losses Estimated Held-to-maturity U.S. Government agencies and corporations: Agency securities $ 98 $ — $ 6 $ 92 Agency guaranteed mortgage-backed securities 1 10,471 281 2 10,750 Municipal securities 392 — 24 368 Total held-to-maturity 10,961 281 32 11,210 Available-for-sale U.S. Treasury securities 656 — 145 511 U.S. Government agencies and corporations: Agency securities 753 — 37 716 Agency guaranteed mortgage-backed securities 9,423 — 1,203 8,220 Small Business Administration loan-backed securities 701 1 26 676 Municipal securities 1,517 — 70 1,447 Other debt securities 25 — 1 24 Total available-for-sale 13,075 1 1,482 11,594 Total HTM and AFS investment securities $ 24,036 $ 282 $ 1,514 $ 22,804 December 31, 2022 (In millions) Amortized Gross unrealized gains Gross unrealized losses 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 transfer of these securities from AFS to HTM at fair value resulted in a discount to the amortized cost basis of the HTM securities equivalent to the $2.4 billion ($1.8 billion after-tax) of unrealized losses in AOCI. The amortization of the unrealized losses will offset the effect of the accretion of the discount created by the transfer.
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 March 31, 2023. Actual principal payments and maturities may differ from contractual or expected principal payments and maturities because borrowers have the right to call or prepay obligations with or without call or prepayment penalties. March 31, 2023 Total Due in one year or less Due after one year through five years Due after five years through ten years Due after ten 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 $ 98 3.51 % $ — — % $ — — % $ — — % $ 98 3.51 % Agency guaranteed mortgage-backed securities 10,471 1.84 — — — — 48 2.00 10,423 1.84 Municipal securities 1 392 3.17 34 3.36 135 3.06 180 3.31 43 2.80 Total held-to-maturity securities 10,961 1.90 34 3.36 135 3.06 228 3.04 10,564 1.86 Available-for-sale U.S. Treasury securities 656 2.43 99 4.56 — — — — 557 2.05 U.S. Government agencies and corporations: Agency securities 753 2.63 18 5.22 313 2.23 224 2.54 198 3.12 Agency guaranteed mortgage-backed securities 9,423 1.96 24 4.32 268 1.55 1,559 2.06 7,572 1.94 Small Business Administration loan-backed securities 701 4.80 — — 39 5.31 151 4.14 511 4.96 Municipal securities 1 1,517 2.19 119 2.49 517 2.62 680 1.86 201 2.05 Other debt securities 25 8.27 — — — — 10 9.50 15 7.45 Total available-for-sale securities 13,075 2.21 260 3.63 1,137 2.35 2,624 2.20 9,054 2.16 Total HTM and AFS investment securities $ 24,036 2.07 % $ 294 3.60 % $ 1,272 2.43 % $ 2,852 2.26 % $ 19,618 2.00 % 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 AFS securities and the estimated fair value by length of time the securities have been in an unrealized loss position. March 31, 2023 Less than 12 months 12 months or more Total (In millions) Gross Estimated Gross Estimated Gross Estimated Available-for-sale U.S. Treasury securities $ — $ — $ 145 $ 412 $ 145 $ 412 U.S. Government agencies and corporations: Agency securities 11 216 26 500 37 716 Agency guaranteed mortgage-backed securities 58 1,118 1,145 7,074 1,203 8,192 Small Business Administration loan-backed securities 6 102 20 494 26 596 Municipal securities 4 509 66 873 70 1,382 Other — — 1 14 1 14 Total available-for-sale investment securities $ 79 $ 1,945 $ 1,403 $ 9,367 $ 1,482 $ 11,312 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
Gains and Losses, Including OTTI, Recognized in Statement of Income	The following schedule summarizes securities gains and losses recognized in the income statement. Three Months Ended March 31, 2023 2022 (In millions) Gross gains Gross losses Gross gains Gross losses Available-for-sale $ 1 $ 1 $ — $ — Trading 3 3 — — Other noninterest-bearing investments 4 3 3 20 Total gains 8 7 3 20 Net gains (losses) 1 $ 1 $ (17) 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. Three Months Ended March 31, 2023 2022 (In millions) Taxable Nontaxable Total Taxable Nontaxable Total Investment securities: Held-to-maturity $ 60 $ 1 $ 61 $ 2 $ 1 $ 3 Available-for-sale 69 6 75 96 8 104 Trading 1 — 1 — 5 5 Total securities $ 130 $ 7 $ 137 $ 98 $ 14 $ 112

Loans, Leases, and Allowance _2

Loans, Leases, and Allowance for Credit Losses (Tables)	3 Months Ended
	Mar. 31, 2023
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 loan class: (In millions) March 31, December 31, Loans held for sale $ 5 $ 8 Commercial: Commercial and industrial 1 $ 16,500 $ 16,377 Leasing 385 386 Owner-occupied 9,317 9,371 Municipal 4,374 4,361 Total commercial 30,576 30,495 Commercial real estate: Construction and land development 2,313 2,513 Term 10,585 10,226 Total commercial real estate 12,898 12,739 Consumer: Home equity credit line 3,276 3,377 1-4 family residential 7,692 7,286 Construction and other consumer real estate 1,299 1,161 Bankcard and other revolving plans 459 471 Other 131 124 Total consumer 12,857 12,419 Total loans and leases $ 56,331 $ 55,653 1 Commercial and industrial loan balances include Paycheck Protection Program (“PPP”) loans of $159 million and $197 million for the respective periods presented.
Summary of Changes in the Allowance for Credit Losses	Changes in the ACL are summarized as follows: Three Months Ended March 31, 2023 (In millions) Commercial Commercial Consumer Total Allowance for loan losses Balance at December 31, 2022 $ 300 $ 156 $ 119 $ 575 Adjustment for change in accounting standard — (4) 1 (3) Balance at beginning of period 300 152 120 572 Provision for loan losses 10 8 28 46 Gross loan and lease charge-offs 3 — 4 7 Recoveries 6 — 1 7 Net loan and lease charge-offs (recoveries) (3) — 3 — Balance at end of period $ 313 $ 160 $ 145 $ 618 Reserve for unfunded lending commitments Balance at beginning of period $ 16 $ 33 $ 12 $ 61 Provision for unfunded lending commitments 3 (5) 1 (1) Balance at end of period $ 19 $ 28 $ 13 $ 60 Total allowance for credit losses at end of period Allowance for loan losses $ 313 $ 160 $ 145 $ 618 Reserve for unfunded lending commitments 19 28 13 60 Total allowance for credit losses $ 332 $ 188 $ 158 $ 678 Three Months Ended March 31, 2022 (In millions) Commercial Commercial real estate Consumer Total Allowance for loan losses Balance at beginning of period $ 311 $ 107 $ 95 $ 513 Provision for loan losses (24) (5) — (29) Gross loan and lease charge-offs 13 — 4 17 Recoveries 8 — 3 11 Net loan and lease charge-offs (recoveries) 5 — 1 6 Balance at end of period $ 282 $ 102 $ 94 $ 478 Reserve for unfunded lending commitments Balance at beginning of period $ 19 $ 11 $ 10 $ 40 Provision for unfunded lending commitments (5) 1 — (4) Balance at end of period $ 14 $ 12 $ 10 $ 36 Total allowance for credit losses at end of period Allowance for loan losses $ 282 $ 102 $ 94 $ 478 Reserve for unfunded lending commitments 14 12 10 36 Total allowance for credit losses $ 296 $ 114 $ 104 $ 514
Summary of Nonaccrual Loans	The amortized cost basis of nonaccrual loans is summarized as follows: March 31, 2023 Amortized cost basis Total amortized cost basis (In millions) with no allowance with allowance Related allowance Commercial: Commercial and industrial $ 8 $ 69 $ 77 $ 45 Owner-occupied 20 13 33 1 Total commercial 28 82 110 46 Commercial real estate: Term 4 12 16 3 Total commercial real estate 4 12 16 3 Consumer: Home equity credit line — 11 11 3 1-4 family residential 5 29 34 5 Total consumer loans 5 40 45 8 Total $ 37 $ 134 $ 171 $ 57 December 31, 2022 Amortized cost basis Total amortized cost basis (In millions) with no allowance with allowance Related allowance Commercial: Commercial and industrial $ 8 $ 55 $ 63 $ 27 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 Bankcard and other revolving plans — — — — Total consumer loans 10 38 48 5 Total $ 31 $ 118 $ 149 $ 35 The amount of accrued interest receivables reversed from interest income during the periods presented is summarized by loan portfolio segment as follows: Three Months Ended (In millions) 2023 2022 Commercial $ 2 $ 4 Commercial real estate 1 — Consumer — — Total $ 3 $ 4
Summary of Past Due Loans (Accruing and Nonaccruing)	Past due loans (accruing and nonaccruing) are summarized as follows: March 31, 2023 (In millions) Current 30-89 days 90+ days Total Total Accruing Nonaccrual loans that are current 1 Commercial: Commercial and industrial $ 16,436 $ 53 $ 11 $ 64 $ 16,500 $ 1 $ 64 Leasing 385 — — — 385 — 1 Owner-occupied 9,305 9 3 12 9,317 — 28 Municipal 4,374 — — — 4,374 — — Total commercial 30,500 62 14 76 30,576 1 93 Commercial real estate: Construction and land development 2,308 5 — 5 2,313 — — Term 10,582 1 2 3 10,585 — 14 Total commercial real estate 12,890 6 2 8 12,898 — 14 Consumer: Home equity credit line 3,265 8 3 11 3,276 — 5 1-4 family residential 7,665 14 13 27 7,692 — 14 Construction and other consumer real estate 1,299 — — — 1,299 — — Bankcard and other revolving plans 455 3 1 4 459 1 — Other 130 1 — 1 131 — — Total consumer loans 12,814 26 17 43 12,857 1 19 Total $ 56,204 $ 94 $ 33 $ 127 $ 56,331 $ 2 $ 126 December 31, 2022 (In millions) Current 30-89 days 90+ days Total Total Accruing Nonaccrual loans that are current 1 Commercial: Commercial and industrial $ 16,331 $ 24 $ 22 $ 46 $ 16,377 $ 4 $ 45 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 1 Represents nonaccrual loans that are not past due more than 30 days; however, full payment of principal and interest is still not expected.
Summary of Outstanding Loan Balances (Accruing and Nonaccruing) Categorized by Credit Quality Indicators	The following schedule presents the amortized cost basis of loans and leases categorized by year of origination and by credit quality classification as monitored by management. The schedule also summarizes the current period gross charge-offs by year of origination. March 31, 2023 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) 2023 2022 2021 2020 2019 Prior Total Commercial: Commercial and industrial Pass $ 678 $ 3,181 $ 1,689 $ 899 $ 751 $ 577 $ 8,050 $ 186 $ 16,011 Special Mention — 3 3 6 39 2 63 — 116 Accruing Substandard 4 27 6 13 87 67 90 2 296 Nonaccrual — 1 8 5 10 2 47 4 77 Total commercial and industrial 682 3,212 1,706 923 887 648 8,250 192 16,500 Gross charge-offs — — — — — 1 2 — 3 Leasing Pass 25 155 64 42 61 34 — — 381 Special Mention — — — — — — — — — Accruing Substandard — — — — — 4 — — 4 Nonaccrual — — — — — — — — — Total leasing 25 155 64 42 61 38 — — 385 Gross charge-offs — — — — — — — — — Owner-occupied Pass 390 2,079 2,182 1,098 808 2,227 165 48 8,997 Special Mention 1 4 20 3 8 18 — — 54 Accruing Substandard 4 28 44 31 18 104 4 — 233 Nonaccrual — — 2 14 3 12 2 — 33 Total owner-occupied 395 2,111 2,248 1,146 837 2,361 171 48 9,317 Gross charge-offs — — — — — — — — — Municipal Pass 129 1,187 1,203 799 418 591 9 — 4,336 Special Mention — 32 6 — — — — — 38 Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total municipal 129 1,219 1,209 799 418 591 9 — 4,374 Gross charge-offs — — — — — — — — — Total commercial 1,231 6,697 5,227 2,910 2,203 3,638 8,430 240 30,576 Total commercial gross charge-offs — — — — — 1 2 — 3 Commercial real estate: Construction and land development Pass 115 616 607 219 39 3 571 105 2,275 Special Mention — 5 — — — — — 5 Accruing Substandard — 10 1 — 22 — — — 33 Nonaccrual — — — — — — — — — Total construction and land development 115 626 613 219 61 3 571 105 2,313 Gross charge-offs — — — — — — — — — Term Pass 714 2,723 2,002 1,697 1,026 1,777 191 175 10,305 Special Mention 19 17 — 41 — 5 — — 82 Accruing Substandard 13 44 9 46 26 42 2 — 182 Nonaccrual — — — — 4 12 — — 16 Total term 746 2,784 2,011 1,784 1,056 1,836 193 175 10,585 Gross charge-offs — — — — — — — — — Total commercial real estate 861 3,410 2,624 2,003 1,117 1,839 764 280 12,898 Total commercial real estate gross charge-offs — — — — — — — — — March 31, 2023 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) 2023 2022 2021 2020 2019 Prior Total Consumer: Home equity credit line Pass — — — — — — 3,167 95 3,262 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 3 — 3 Nonaccrual — — — — — — 9 2 11 Total home equity credit line — — — — — — 3,179 97 3,276 Gross charge-offs — — — — — — — — — 1-4 family residential Pass 381 1,916 1,594 1,034 628 2,103 — — 7,656 Special Mention — — — — — — — — — Accruing Substandard — — — — — 2 — — 2 Nonaccrual — 2 2 2 5 23 — — 34 Total 1-4 family residential 381 1,918 1,596 1,036 633 2,128 — — 7,692 Gross charge-offs — — — — — 2 — — 2 Construction and other consumer real estate Pass 22 775 440 35 18 9 — — 1,299 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total construction and other consumer real estate 22 775 440 35 18 9 — — 1,299 Gross charge-offs — — — — — — — — — Bankcard and other revolving plans Pass — — — — — — 455 1 456 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 2 1 3 Nonaccrual — — — — — — — — — Total bankcard and other revolving plans — — — — — — 457 2 459 Gross charge-offs — — — — — — 2 — 2 Other consumer Pass 30 54 27 9 7 4 — — 131 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total other consumer 30 54 27 9 7 4 — — 131 Gross charge-offs — — — — — — — — — Total consumer 433 2,747 2,063 1,080 658 2,141 3,636 99 12,857 Total consumer gross charge-offs — — — — — 2 2 — 4 Total loans $ 2,525 $ 12,854 $ 9,914 $ 5,993 $ 3,978 $ 7,618 $ 12,830 $ 619 $ 56,331 Total gross charge-offs $ — $ — $ — $ — $ — $ 3 $ 4 $ — $ 7 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 $ 1,874 $ 979 $ 876 $ 293 $ 264 $ 8,054 $ 182 $ 15,885 Special Mention 1 2 10 52 1 2 50 — 118 Accruing Substandard 26 7 17 78 30 67 84 2 311 Nonaccrual — 8 5 11 1 2 32 4 63 Total commercial and industrial 3,390 1,891 1,011 1,017 325 335 8,220 188 16,377 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
Summary of TDRs (Accruing and Nonaccruing) Categorized by Loan Class and Modification Type	The amortized cost of loans to borrowers experiencing financial difficulty that were modified during the period, by loan class and modification type, is summarized in the following schedule: March 31, 2023 Amortized cost associated with the following modification types: (In millions) Interest Maturity Multiple modification types 1 Total 2 Percentage of total loans 3 Commercial: Commercial and industrial $ — $ 36 $ — $ 36 0.2 % Owner-occupied 4 6 — 10 0.1 Total commercial 4 42 — 46 0.2 Commercial real estate: Term — 49 — 49 0.5 Total commercial real estate — 49 — 49 0.4 Consumer: 1-4 family residential — — 1 1 — Bankcard and other revolving plans — 1 — 1 0.2 Total consumer loans — 1 1 2 — Total $ 4 $ 92 $ 1 $ 97 0.2 % 1 Includes modifications that resulted from a combination of interest rate reduction, maturity or term extension, principal forgiveness, and payment deferral modifications. 2 Unfunded lending commitments related to loans modified to borrowers experiencing financial difficulty totaled $8 million at March 31, 2023. 3 Amounts less than 0.05% are rounded to zero. The financial impact of loan modifications to borrowers experiencing financial difficulty during the three months ended March 31, 2023, is summarized in the following schedule: Three Months Ended March 31, 2023 (In millions) Weighted-average interest rate reduction (in percentage points) Weighted-average term extension Commercial: Commercial and industrial — % 10 Owner-occupied 4.4 5 Total commercial 4.4 9 Commercial real estate: Construction and land development — 6 Term — 9 Total commercial real estate — 9 Consumer: 1 1-4 family residential 1.3 110 Bankcard and other revolving plans — 65 Total consumer loans 1.3 84 Total weighted average financial impact 4.0 % 10 1 Primarily relates to one loan within each consumer loan class. The following schedule presents the aging of loans to borrowers experiencing financial difficulty that were modified on or after January 1, 2023 (the date we adopted ASU 2022-02) through March 31, 2023, presented by portfolio segment and loan class. March 31, 2023 (In millions) Current 30-89 days 90+ days Total Total Commercial: Commercial and industrial $ 20 $ 16 $ — $ 16 $ 36 Owner-occupied 10 — — — 10 Total commercial 30 16 — 16 46 Commercial real estate: Term 49 — — — 49 Total commercial real estate 49 — — — 49 Consumer: 1-4 family residential — 1 — 1 1 Bankcard and other revolving plans 1 — — — 1 Total consumer loans 1 1 — 1 2 Total $ 80 $ 17 $ — $ 17 $ 97 Information on TDRs, including the amortized cost on an accruing and nonaccruing basis by loan class and modification type is summarized in the following schedules: December 31, 2022 Amortized cost 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 the previous modification types reflected in the schedule.
Summary of Collateral-Dependent Loans	Select information on loans for which the borrower is experiencing financial difficulties and repayment is expected to be provided substantially through the operation or sale of the underlying collateral, including the type of collateral and the extent to which the collateral secures the loans, is summarized as follows: March 31, 2023 (Dollar amounts in millions) Amortized cost Major types of collateral Weighted average LTV 1 Commercial: Owner-occupied $ 12 Hospital 30% Commercial real estate: Term 5 Hotel, Multi-family 64% Total $ 17 December 31, 2022 (Dollar amounts 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 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)	3 Months Ended
	Mar. 31, 2023
Summary of Derivative Instruments [Abstract]
Schedule of Derivative Amounts	Certain information with respect to notional amounts and recorded gross fair values at March 31, 2023 and December 31, 2022, and the related gain (loss) of derivative instruments is summarized as follows: March 31, 2023 December 31, 2022 Notional Fair value Notional Fair value (In millions) Other Other Other Other Derivatives designated as hedging instruments: Cash flow hedges of floating-rate assets: Receive-fixed interest rate swaps $ 4,433 $ — $ — $ 7,633 $ — $ 1 Fair value hedges: Debt hedges: Receive-fixed interest rate swaps 500 — — 500 — — Asset hedges: Pay-fixed interest rate swaps 1,227 69 — 1,228 84 — Total derivatives designated as hedging instruments 6,160 69 — 9,361 84 1 Derivatives not designated as hedging instruments: Customer interest rate derivatives 1 13,804 295 349 13,670 296 443 Other interest rate derivatives 2,417 1 — 862 — — Foreign exchange derivatives 258 4 4 605 6 7 Total derivatives not designated as hedging instruments 16,479 300 353 15,137 302 450 Total derivatives $ 22,639 $ 369 $ 353 $ 24,498 $ 386 $ 451 1 Customer interest rate derivatives include a net credit valuation adjustment (“CVA”) of $9 million, reducing the fair value of the liability at March 31, 2023, and $13 million, reducing the fair value of the liability at December 31, 2022.
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 other comprehensive income (“OCI”) or recognized in earnings for the three months ended March 31, 2023 and 2022 is shown in the schedules below. Three Months Ended March 31, 2023 (In millions) Effective portion of derivative gain/(loss) deferred in AOCI Amount of gain/(loss) reclassified from AOCI into income Interest on fair value hedges Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ — $ — Interest rate swaps 38 (49) — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — 4 Basis amortization on terminated hedges 2, 3 — — — Fair value hedges of assets: Pay-fixed interest rate swaps — — 6 Basis amortization on terminated hedges 3 — — — Total derivatives designated as hedging instruments $ 38 $ (49) $ 10 Three Months Ended March 31, 2022 (In millions) Effective portion of derivative gain/(loss) deferred in AOCI Amount of gain/(loss) reclassified from AOCI into income Interest on fair value hedges Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ 2 $ — Interest rate swaps (178) 12 — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — 2 Basis amortization on terminated hedges 2 — — 1 Fair value hedges of assets: Pay-fixed interest rate swaps — — (1) Basis amortization on terminated hedges 2 — — — Total derivatives designated as hedging instruments $ (178) $ 14 $ 2 1 For the 12 months following March 31, 2023, we estimate that $156 million of losses will be reclassified from AOCI into interest income, compared with an estimate of $205 million of losses as of March 31, 2022. 2 There was no remaining cumulative unamortized basis adjustment for terminated or redesignated fair value hedges of debt at March 31, 2023 and March 31, 2022. There was $10 million and $7 million of cumulative unamortized basis adjustments from terminated or redesignated fair value hedges of assets at March 31, 2023 and March 31, 2022, respectively.
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 Income/(Expense) (In millions) Three Months Ended March 31, 2023 Three Months Ended March 31, 2022 Derivatives not designated as hedging instruments: Customer-facing interest rate derivatives $ 1 $ 13 Other interest rate derivatives 1 1 Foreign exchange derivatives 7 6 Total derivatives not designated as hedging instruments $ 9 $ 20
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 Three Months Ended March 31, 2023 Three Months Ended March 31, 2022 (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 $ 12 $ (12) $ — $ (32) $ 32 $ — Assets: Pay-fixed interest rate swaps 1, 2 40 (40) — 53 (53) — 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 net 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) 1 Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged item (In millions) March 31, 2023 December 31, 2022 March 31, 2023 December 31, 2022 March 31, 2023 December 31, 2022 Long-term fixed-rate debt $ (500) $ (500) $ (447) $ (435) $ 53 $ 65 Fixed-rate AFS securities 1,227 1228 1,001 962 (227) (266) 1 Carrying amounts 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)	3 Months Ended
	Mar. 31, 2023
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. (Dollar amounts in millions) March 31, December 31, 2022 Operating leases ROU assets, net of amortization $ 174 $ 173 Lease liabilities 199 198 Finance leases ROU assets, net of amortization 3 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.6 8.4 Finance leases 17.1 17.4 Weighted average discount rate Operating leases 3.0 % 2.9 % Finance leases 3.1 % 3.1 %
Lease Expense	Additional information related to lease expense is presented in the following schedule. Three Months Ended March 31, (In millions) 2023 2022 Lease expense: Operating lease expense $ 11 $ 12 Other expenses associated with operating leases 1 15 12 Total lease expense $ 26 $ 24 Related cash disbursements from operating leases $ 12 $ 12 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 1 $ 35 2024 39 2025 31 2026 26 2027 17 Thereafter 85 Total $ 233 1 Contractual maturities for the nine months remaining in 2023.

Long-Term Debt and Shareholde_2

Long-Term Debt and Shareholders' Equity (Tables)	3 Months Ended
	Mar. 31, 2023
Debt And Equity [Abstract]
Schedule of Long-term Debt	The long-term debt carrying values in the following schedule represent the par value of the debt, adjusted for any unamortized premium or discount, unamortized debt issuance costs, and basis adjustments for interest rate swaps designated as fair value hedges. LONG-TERM DEBT (In millions) March 31, December 31, 2022 Subordinated notes 1 $ 531 $ 519 Senior notes 128 128 Finance lease obligations 4 4 Total $ 663 $ 651 1 The change in the subordinated notes balance is primarily due to a fair value hedge accounting adjustment. See also Note 7.
Schedule of Changes in Accumulated Other Comprehensive Income	The following schedule summarizes the changes in AOCI by component. (In millions) Net unrealized gains/(losses) on investment securities Net unrealized gains/(losses) on derivatives and other Pension and post-retirement Total Three Months Ended March 31, 2023 Balance at December 31, 2022 $ (2,800) $ (311) $ (1) $ (3,112) OCI before reclassifications, net of tax 126 29 — 155 Amounts reclassified from AOCI, net of tax — 37 — 37 Other comprehensive income 126 66 — 192 Balance at March 31, 2023 $ (2,674) $ (245) $ (1) $ (2,920) Income tax expense included in OCI $ 41 $ 22 $ — $ 63 Three Months Ended March 31, 2022 Balance at December 31, 2021 $ (78) $ — $ (2) $ (80) OCI (loss) before reclassifications, net of tax (1,121) (135) — (1,256) Amounts reclassified from AOCI, net of tax — (10) — (10) Other comprehensive loss (1,121) (145) — (1,266) Balance at March 31, 2022 $ (1,199) $ (145) $ (2) $ (1,346) Income tax benefit included in OCI (loss) $ (363) $ (47) $ — $ (410)
Reclassification out of Accumulated Other Comprehensive Income	Amounts reclassified from AOCI 1 Statement of income (SI) (In millions) Three Months Ended Details about AOCI components 2023 2022 Affected line item Net unrealized gains (losses) on derivative instruments $ (49) $ 14 SI Interest and fees on loans Less: Income tax expense (benefit) (12) 4 Amounts reclassified from AOCI $ (37) $ 10 1 Positive reclassification amounts indicate increases to earnings in the income statement.

Commitments, Guarantees, and _2

Commitments, Guarantees, and Contingent Liabilities (Tables)	3 Months Ended
	Mar. 31, 2023
Commitments, Guarantees, and Contingent Liabilities [Abstract]
Schedule of Off Balance Sheet Financial Instruments	The following schedule presents the contractual amounts related to off-balance sheet financial instruments used to meet the financing needs of our customers. (In millions) March 31, December 31, Unfunded lending commitments 1 $ 29,907 $ 29,628 Standby letters of credit: Financial 633 667 Performance 169 184 Commercial letters of credit 14 11 Mortgage-backed security purchase agreements 2 47 23 Total unfunded commitments $ 30,770 $ 30,513 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)	3 Months Ended
	Mar. 31, 2023
Revenue Recognition and Deferred Revenue [Abstract]
Disaggregation of Revenue	The schedule below presents net revenue by our operating business segments for the three months ended March 31, 2023 and 2022. Zions Bank CB&T Amegy (In millions) 2023 2022 2023 2022 2023 2022 Commercial account fees $ 14 $ 15 $ 7 $ 7 $ 14 $ 11 Card fees 13 13 5 5 8 8 Retail and business banking fees 5 6 3 3 3 4 Capital markets fees — — — — — — Wealth management fees 6 6 1 1 4 4 Other customer-related fees 2 2 1 1 2 1 Total noninterest income from contracts with customers (ASC 606) 40 42 17 17 31 28 Other noninterest income (non-ASC 606 customer-related) 7 4 5 6 8 9 Total customer-related noninterest income 47 46 22 23 39 37 Other noncustomer-related noninterest income 3 — 2 1 2 — Total noninterest income 50 46 24 24 41 37 Net interest income 185 157 160 129 124 112 Total net revenue $ 235 $ 203 $ 184 $ 153 $ 165 $ 149 NBAZ NSB Vectra (In millions) 2023 2022 2023 2022 2023 2022 Commercial account fees $ 2 $ 2 $ 3 $ 3 $ 2 $ 2 Card fees 4 4 4 3 2 2 Retail and business banking fees 2 2 3 3 1 1 Capital markets fees — — — — — — Wealth management fees 1 1 1 1 — — Other customer-related fees — — — — 1 1 Total noninterest income from contracts with customers (ASC 606) 9 9 11 10 6 6 Other noninterest income (non-ASC 606 customer-related) 1 1 — 2 1 2 Total customer-related noninterest income 10 10 11 12 7 8 Other noncustomer-related noninterest income — 1 — — — — Total noninterest income 10 11 11 12 7 8 Net interest income 64 51 51 37 41 33 Total net revenue $ 74 $ 62 $ 62 $ 49 $ 48 $ 41 TCBW Other Consolidated Bank (In millions) 2023 2022 2023 2022 2023 2022 Commercial account fees $ 1 $ 1 $ — $ — $ 43 $ 41 Card fees 1 — (1) 1 36 36 Retail and business banking fees — — (1) — 16 19 Capital markets fees — — 1 1 1 1 Wealth management fees — — — — 13 13 Other customer-related fees — — 9 9 15 14 Total noninterest income from contracts with customers (ASC 606) 2 1 8 11 124 124 Other noninterest income (non-ASC 606 customer-related) — — 5 3 27 27 Total customer-related noninterest income 2 1 13 14 151 151 Other noncustomer-related noninterest income — — 2 (11) 9 (9) Total noninterest income 2 1 15 3 160 142 Net interest income 16 14 38 11 679 544 Total net revenue $ 18 $ 15 $ 53 $ 14 $ 839 $ 686

Net Earnings Per Common Share (

Net Earnings Per Common Share (Tables)	3 Months Ended
	Mar. 31, 2023
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: Three Months Ended (In millions, except shares and per share amounts) 2023 2022 Basic: Net income $ 204 $ 203 Less common and preferred dividends 67 66 Undistributed earnings 137 137 Less undistributed earnings applicable to nonvested shares 1 1 Undistributed earnings applicable to common shares 136 136 Distributed earnings applicable to common shares 61 57 Total earnings applicable to common shares $ 197 $ 193 Weighted average common shares outstanding (in thousands) 148,015 151,285 Net earnings per common share $ 1.33 $ 1.27 Diluted: Total earnings applicable to common shares $ 197 $ 193 Weighted average common shares outstanding (in thousands) 148,015 151,285 Dilutive effect of stock options (in thousands) 23 402 Weighted average diluted common shares outstanding (in thousands) 148,038 151,687 Net earnings per common share $ 1.33 $ 1.27
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: Three Months Ended (In thousands) 2023 2022 Restricted stock and restricted stock units 1,334 1,339 Stock options 1,230 109

Operating Segment Information (

Operating Segment Information (Tables)	3 Months Ended
	Mar. 31, 2023
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment	The following schedule presents selected operating segment information for the three months ended March 31, 2023 and 2022: Zions Bank CB&T Amegy (In millions) 2023 2022 2023 2022 2023 2022 SELECTED INCOME STATEMENT DATA Net interest income $ 185 $ 157 $ 160 $ 129 $ 124 $ 112 Provision for credit losses 24 (2) — 6 11 (27) Net interest income after provision for credit losses 161 159 160 123 113 139 Noninterest income 50 46 24 24 41 37 Noninterest expense 135 123 92 84 98 86 Income (loss) before income taxes $ 76 $ 82 $ 92 $ 63 $ 56 $ 90 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 13,978 $ 12,817 $ 14,016 $ 12,845 $ 12,844 $ 11,795 Total average deposits 20,953 26,120 14,644 16,468 13,287 16,413 NBAZ NSB Vectra (In millions) 2023 2022 2023 2022 2023 2022 SELECTED INCOME STATEMENT DATA Net interest income $ 64 $ 51 $ 51 $ 37 $ 41 $ 33 Provision for credit losses (1) (4) 4 (3) 3 (4) Net interest income after provision for credit losses 65 55 47 40 38 37 Noninterest income 10 11 11 12 7 8 Noninterest expense 47 40 41 37 33 30 Income (loss) before income taxes $ 28 $ 26 $ 17 $ 15 $ 12 $ 15 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 5,150 $ 4,774 $ 3,327 $ 2,817 $ 3,983 $ 3,398 Total average deposits 7,179 7,953 6,972 7,437 3,707 4,298 TCBW Other Consolidated Bank (In millions) 2023 2022 2023 2022 2023 2022 SELECTED INCOME STATEMENT DATA Net interest income $ 16 $ 14 $ 38 $ 11 $ 679 $ 544 Provision for credit losses 2 — 2 1 45 (33) Net interest income after provision for credit losses 14 14 36 10 634 577 Noninterest income 2 1 15 3 160 142 Noninterest expense 6 6 60 58 512 464 Income (loss) before income taxes $ 10 $ 9 $ (9) $ (45) $ 282 $ 255 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 1,711 $ 1,591 $ 1,144 $ 896 $ 56,153 $ 50,933 Total average deposits 1,383 1,581 2,031 1,335 70,156 81,605

Basis of Presentation (Details)

Basis of Presentation (Details) $ in Millions	3 Months Ended
	Mar. 31, 2023 USD ($) state segment	Dec. 31, 2022 USD ($)
Financial Instruments Owned and Pledged as Collateral [Line Items]
Loans held for sale	$ 5	$ 8
Number of states in which entity operates | state	11
Number of bank operating segments | segment	7
Asset Pledged as Collateral without Right
Financial Instruments Owned and Pledged as Collateral [Line Items]
Loans held for sale	$ 30,200	$ 27,600

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	Mar. 31, 2023	Dec. 31, 2022
ASSETS
Investment securities, available-for-sale	$ 11,594	$ 11,915
Trading securities	12	465
Total assets	12,734	13,525
LIABILITIES
Securities sold, not yet purchased	281	187
Total liabilities	634	638
U.S. Treasury, agencies and corporations
ASSETS
Investment securities, available-for-sale	10,123	10,208
Municipal securities
ASSETS
Investment securities, available-for-sale	1,447	1,634
Other debt securities
ASSETS
Investment securities, available-for-sale	24	73
Bank-owned life insurance
ASSETS
Other noninterest-bearing investments	547	546
Private equity investments
ASSETS
Other noninterest-bearing investments	85	85
Agriculture loan servicing and interest-only strips
ASSETS
Other assets	18	14
Derivatives
ASSETS
Other assets	369	386
LIABILITIES
Other liabilities	353	451
Level 1
ASSETS
Investment securities, available-for-sale	511	393
Trading securities		395
Total assets	623	906
LIABILITIES
Securities sold, not yet purchased	281	187
Total liabilities	281	187
Level 1 | U.S. Treasury, agencies and corporations
ASSETS
Investment securities, available-for-sale	511	393
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	3	4
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	11,083	11,522
Trading securities	12	70
Total assets	12,011	12,524
LIABILITIES
Securities sold, not yet purchased	0	0
Total liabilities	353	451
Level 2 | U.S. Treasury, agencies and corporations
ASSETS
Investment securities, available-for-sale	9,612	9,815
Level 2 | Municipal securities
ASSETS
Investment securities, available-for-sale	1,447	1,634
Level 2 | Other debt securities
ASSETS
Investment securities, available-for-sale	24	73
Level 2 | Bank-owned life insurance
ASSETS
Other noninterest-bearing investments	547	546
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	369	386
LIABILITIES
Other liabilities	353	451
Level 3
ASSETS
Investment securities, available-for-sale	0	0
Trading securities
Total assets	100	95
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	82	81
Level 3 | Agriculture loan servicing and interest-only strips
ASSETS
Other assets	18	14
Level 3 | Derivatives
ASSETS
Other assets
LIABILITIES
Other liabilities
Deferred compensation plan assets | Deferred compensation plan assets
ASSETS
Other assets	109	114
Deferred compensation plan assets | Level 1 | Deferred compensation plan assets
ASSETS
Other assets	109	114
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) - Level 3 - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Private equity investments
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair value of assets, Beginning balance	$ 81	$ 66
Unrealized securities gains (losses), net	0	5
Other noninterest income (expense)	0	0
Purchases	1	6
Cost of investments sold	0	(3)
Transfers out	0	0
Fair value of assets, Ending balance	82	74
Ag loan servicing & interest-only strips
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair value of assets, Beginning balance	14	12
Unrealized securities gains (losses), net	0	0
Other noninterest income (expense)	4	0
Purchases	0	0
Cost of investments sold	0	0
Transfers out	0	0
Fair value of assets, Ending balance	$ 18	$ 12

Fair Value - (Schedule of Rollf

Fair Value - (Schedule of Rollforward of Level 3 Fair Value Measurements Including Realized Gains and Losses in the Income Statement) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Level 3
Fair Value, Measured on Recurring Basis, Gain (Loss) Included in Earnings [Line Items]
Securities gains (losses), net	$ 0	$ (2)

Fair Value (Schedule of Carryin

Fair Value (Schedule of Carrying Values and Estimated Fair Values of Financial Instruments) (Details) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Held-to-maturity investment securities	$ 11,210	$ 11,239
Time deposits	7,337	2,309
Long-term debt	663	651
Level 2 | Carrying value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Held-to-maturity investment securities	10,961	11,126
Time deposits	7,337	2,309
Long-term debt	663	651
Level 2 | Fair value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Held-to-maturity investment securities	11,210	11,239
Time deposits	7,319	2,269
Long-term debt	577	635
Level 3 | Carrying value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans and leases (including loans held for sale), net of allowance	55,718	55,086
Level 3 | Fair value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans and leases (including loans held for sale), net of allowance	$ 53,226	$ 53,093

Offsetting Assets and Liabili_3

Offsetting Assets and Liabilities (Details) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Gross amounts recognized
Federal funds sold and securities purchased under agreements to resell	$ 688	$ 2,451
Derivatives (included in other assets)	369	386
Total assets	1,057	2,837
Federal funds and other short-term borrowings	12,124	10,442
Derivatives (included in other liabilities)	353	451
Total liabilities	12,477	10,893
Gross amounts offset in the balance sheet
Federal funds sold and securities purchased under agreements to resell	0	(25)
Derivatives (included in other assets)	0	0
Total assets	0	(25)
Federal funds and other short-term borrowings	0	(25)
Derivatives (included in other liabilities)	0	0
Total liabilities	0	(25)
Net amounts presented in the balance sheet
Federal funds sold and securities purchased under agreements to resell	688	2,426
Derivatives (included in other assets)	369	386
Total assets	1,057	2,812
Federal funds and other short-term borrowings	12,124	10,417
Derivatives (included in other liabilities)	353	451
Total liabilities	12,477	10,868
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)	(23)	(10)
Total assets	(23)	(10)
Federal funds and other short-term borrowings	0	0
Derivatives (included in other liabilities)	(23)	(10)
Total liabilities	(23)	(10)
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)	(326)	(367)
Total assets	(326)	(367)
Federal funds and other short-term borrowings	0	0
Derivatives (included in other liabilities)	0	0
Total liabilities	0	0
Net amount
Federal funds sold and securities purchased under agreements to resell	688	2,426
Derivatives (included in other assets)	20	9
Total assets	708	2,435
Federal funds and other short-term borrowings	12,124	10,417
Derivatives (included in other liabilities)	330	441
Total liabilities	$ 12,454	$ 10,858

Investments (Narrative) (Detail

Investments (Narrative) (Details) $ in Millions	Mar. 31, 2023 USD ($) security	Dec. 31, 2022 USD ($) security
Debt and Equity Securities, FV-NI [Line Items]
Transfer from available for sale to held-to-maturity, amortized cost		$ 13,100
Transfer from available for sale to held-to-maturity, fair value		10,700
Amortized basis of held-to-maturity securities		2,400
Amortized basis of held-to-maturity securities, after tax		$ 1,800
Number of AFS investment securities in an unrealized loss position | security	3,240	3,562
Allowance for credit loss on HTM securities (less than)	$ 1
Available-for-sale, at fair value	11,594	$ 11,915
Securities Investment
Debt and Equity Securities, FV-NI [Line Items]
Accrued interest receivable	$ 65	$ 75

Investments (Summary of Investm

Investments (Summary of Investment Securities) (Details) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Amortized cost
Held-to-maturity	$ 10,961	$ 11,126
Available-for-sale	13,075	13,538
Total HTM and AFS investment securities	24,036	24,664
Gross unrealized gains
Held-to-maturity	281	165
Available-for-sale	1	2
Total HTM and AFS investment securities	282	167
Gross unrealized losses
Held-to-maturity	32	52
Available-for-sale	1,482	1,625
Estimated fair value
Held-to-maturity, Estimated fair value	11,210	11,239
Available-for-sale	11,594	11,915
Total HTM and AFS investment securities	22,804	23,154
Total HTM and AFS investment securities	1,514	1,677
Municipal securities
Amortized cost
Held-to-maturity	392	405
Available-for-sale	1,517	1,732
Gross unrealized gains
Held-to-maturity	0	0
Available-for-sale	0	1
Gross unrealized losses
Held-to-maturity	24	31
Available-for-sale	70	99
Estimated fair value
Held-to-maturity, Estimated fair value	368	374
Available-for-sale	1,447	1,634
U.S. Treasury securities
Amortized cost
Available-for-sale	656	557
Gross unrealized gains
Available-for-sale	0	0
Gross unrealized losses
Available-for-sale	145	164
Estimated fair value
Available-for-sale	511	393
Agency securities
Amortized cost
Held-to-maturity	98	100
Available-for-sale	753	782
Gross unrealized gains
Held-to-maturity	0	0
Available-for-sale	0	0
Gross unrealized losses
Held-to-maturity	6	7
Available-for-sale	37	46
Estimated fair value
Held-to-maturity, Estimated fair value	92	93
Available-for-sale	716	736
Agency guaranteed mortgage-backed securities
Amortized cost
Held-to-maturity	10,471	10,621
Available-for-sale	9,423	9,652
Gross unrealized gains
Held-to-maturity	281	165
Available-for-sale	0	0
Gross unrealized losses
Held-to-maturity	2	14
Available-for-sale	1,203	1,285
Estimated fair value
Held-to-maturity, Estimated fair value	10,750	10,772
Available-for-sale	8,220	8,367
Small Business Administration loan-backed securities
Amortized cost
Available-for-sale	701	740
Gross unrealized gains
Available-for-sale	1	1
Gross unrealized losses
Available-for-sale	26	29
Estimated fair value
Available-for-sale	676	712
Other debt securities
Amortized cost
Available-for-sale	25	75
Gross unrealized gains
Available-for-sale	0	0
Gross unrealized losses
Available-for-sale	1	2
Estimated fair value
Available-for-sale	$ 24	$ 73

Investments (Contractual Maturi

Investments (Contractual Maturities Debt Securities) (Details) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Amortized cost
Total debt securities	$ 10,961
Due in one year or less	34
Due after one year through five years	135
Due after five years through ten years	228
Due after ten years	$ 10,564
Average yield
Total debt securities	1.90%
Due in one year or less	3.36%
Due after one year through five years	3.06%
Due after five years through ten years	3.04%
Due after ten years	1.86%
Amortized cost
Available-for-sale	$ 13,075	$ 13,538
Due in one year or less	260
Due after one year through five years	1,137
Due after five years through ten years	2,624
Due after ten years	$ 9,054
Average yield
Total debt securities	2.21%
Due in one year or less	3.63%
Due after one year through five years	2.35%
Due after five years through ten years	2.20%
Due after ten years	2.16%
Amortized cost
Total HTM and AFS investment securities	$ 24,036	$ 24,664
Due in one year or less	294
Due after one year through five years	1,272
Due after five years through ten years	2,852
Due after ten years	$ 19,618
Average yield
Total debt securities	2.07%
Due in one year or less	3.60%
Due after one year through five years	2.43%
Due after five years through ten years	2.26%
Due after ten years	2%
Municipal securities
Amortized cost
Total debt securities	$ 392
Due in one year or less	34
Due after one year through five years	135
Due after five years through ten years	180
Due after ten years	$ 43
Average yield
Total debt securities	3.17%
Due in one year or less	3.36%
Due after one year through five years	3.06%
Due after five years through ten years	3.31%
Due after ten years	2.80%
Amortized cost
Available-for-sale	$ 1,517
Due in one year or less	119
Due after one year through five years	517
Due after five years through ten years	680
Due after ten years	$ 201
Average yield
Total debt securities	2.19%
Due in one year or less	2.49%
Due after one year through five years	2.62%
Due after five years through ten years	1.86%
Due after ten years	2.05%
U.S. Treasury securities
Amortized cost
Available-for-sale	$ 656
Due in one year or less	99
Due after one year through five years	0
Due after five years through ten years	0
Due after ten years	$ 557
Average yield
Total debt securities	2.43%
Due in one year or less	4.56%
Due after one year through five years	0%
Due after five years through ten years	0%
Due after ten years	2.05%
Agency securities
Amortized cost
Total debt securities	$ 98
Due in one year or less	0
Due after one year through five years	0
Due after five years through ten years	0
Due after ten years	$ 98
Average yield
Total debt securities	3.51%
Due in one year or less	0%
Due after one year through five years	0%
Due after five years through ten years	0%
Due after ten years	3.51%
Amortized cost
Available-for-sale	$ 753
Due in one year or less	18
Due after one year through five years	313
Due after five years through ten years	224
Due after ten years	$ 198
Average yield
Total debt securities	2.63%
Due in one year or less	5.22%
Due after one year through five years	2.23%
Due after five years through ten years	2.54%
Due after ten years	3.12%
Agency guaranteed mortgage-backed securities
Amortized cost
Total debt securities	$ 10,471
Due in one year or less	0
Due after one year through five years	0
Due after five years through ten years	48
Due after ten years	$ 10,423
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 ten years	2%
Due after ten years	1.84%
Amortized cost
Available-for-sale	$ 9,423
Due in one year or less	24
Due after one year through five years	268
Due after five years through ten years	1,559
Due after ten years	$ 7,572
Average yield
Total debt securities	1.96%
Due in one year or less	4.32%
Due after one year through five years	1.55%
Due after five years through ten years	2.06%
Due after ten years	1.94%
Small Business Administration loan-backed securities
Amortized cost
Available-for-sale	$ 701
Due in one year or less	0
Due after one year through five years	39
Due after five years through ten years	151
Due after ten years	$ 511
Average yield
Total debt securities	4.80%
Due in one year or less	0%
Due after one year through five years	5.31%
Due after five years through ten years	4.14%
Due after ten years	4.96%
Other debt securities
Amortized cost
Available-for-sale	$ 25
Due in one year or less	0
Due after one year through five years	0
Due after five years through ten years	10
Due after ten years	$ 15
Average yield
Total debt securities	8.27%
Due in one year or less	0%
Due after one year through five years	0%
Due after five years through ten years	9.50%
Due after ten years	7.45%

Investments (Summary of Amount

Investments (Summary of Amount of Gross Unrealized Losses for Debt Securities and Estimated Fair Value) (Details) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Gross unrealized losses
Total investment securities, less than 12 months	$ 79	$ 653
Total investment securities, 12 months or more	1,403	972
Total investment securities, total	1,482	1,625
Estimated fair value
Total investment securities, less than 12 months	1,945	6,673
Total investment securities, 12 months or more	9,367	5,009
Total investment securities, total	11,312	11,682
Municipal securities
Gross unrealized losses
Available-for-sale, less than 12 Months	4	63
Available-for-sale, 12 Months or more	66	36
Available-for-sale, total	70	99
Estimated fair value
Available-for-sale, less than 12 Months	509	1,295
Available-for-sale, 12 months or more	873	256
Available-for-sale, total	1,382	1,551
U.S. Treasury securities
Gross unrealized losses
Available-for-sale, less than 12 Months	0	94
Available-for-sale, 12 Months or more	145	70
Available-for-sale, total	145	164
Estimated fair value
Available-for-sale, less than 12 Months	0	308
Available-for-sale, 12 months or more	412	85
Available-for-sale, total	412	393
Agency securities
Gross unrealized losses
Available-for-sale, less than 12 Months	11	39
Available-for-sale, 12 Months or more	26	7
Available-for-sale, total	37	46
Estimated fair value
Available-for-sale, less than 12 Months	216	634
Available-for-sale, 12 months or more	500	102
Available-for-sale, total	716	736
Agency guaranteed mortgage-backed securities
Gross unrealized losses
Available-for-sale, less than 12 Months	58	447
Available-for-sale, 12 Months or more	1,145	838
Available-for-sale, total	1,203	1,285
Estimated fair value
Available-for-sale, less than 12 Months	1,118	4,322
Available-for-sale, 12 months or more	7,074	4,042
Available-for-sale, total	8,192	8,364
Small Business Administration loan-backed securities
Gross unrealized losses
Available-for-sale, less than 12 Months	6	8
Available-for-sale, 12 Months or more	20	21
Available-for-sale, total	26	29
Estimated fair value
Available-for-sale, less than 12 Months	102	101
Available-for-sale, 12 months or more	494	524
Available-for-sale, total	596	625
Other
Gross unrealized losses
Available-for-sale, less than 12 Months	0	2
Available-for-sale, 12 Months or more	1	0
Available-for-sale, total	1	2
Estimated fair value
Available-for-sale, less than 12 Months	0	13
Available-for-sale, 12 months or more	14	0
Available-for-sale, total	$ 14	$ 13

Investments (Securities Gains a

Investments (Securities Gains and Losses Recognized in Income) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Investments [Abstract]
Available-for-sale, gross gains	$ 1	$ 0
Available-for-sale, gross losses	1	0
Trading, gross gains	3	0
Trading, gross losses	3	0
Other noninterest-bearing investments, Nonmarketable equity securities, Gross gains	4	3
Other noninterest-bearing investments, Nonmarketable equity securities, Gross losses	3	20
Gross gains	8	3
Gross losses	7	20
Securities gains (losses), net	$ 1	$ (17)

Investments (Rollforward of Tot

Investments (Rollforward of Total Amount of Credit-Related OTTI) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Net Investment Income [Line Items]
Held-to-maturity	$ 61	$ 3
Available-for-sale	75	104
Trading	1	5
Total securities	137	112
Taxable
Net Investment Income [Line Items]
Held-to-maturity	60	2
Available-for-sale	69	96
Trading	1	0
Total securities	130	98
Nontaxable
Net Investment Income [Line Items]
Held-to-maturity	1	1
Available-for-sale	6	8
Trading	0	5
Total securities	$ 7	$ 14

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	Mar. 31, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans held for sale	$ 5	$ 8
Total loans and leases	56,331	55,653
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	30,576	30,495
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	16,500	16,377
Commercial | Leasing
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	385	386
Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	9,317	9,371
Commercial | Municipal
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	4,374	4,361
Commercial | PPP
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	159	197
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	12,898	12,739
Commercial real estate | Construction and land development
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	2,313	2,513
Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	10,585	10,226
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	12,857	12,419
Consumer | Home equity credit line
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	3,276	3,377
Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	7,692	7,286
Consumer | Construction and other consumer real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	1,299	1,161
Consumer | Bankcard and other revolving plans
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	459	471
Consumer | Other
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	$ 131	$ 124

Loans, Leases, and Allowance _4

Loans, Leases, and Allowance for Credit Losses (Narrative) (Details) - USD ($)	3 Months Ended		12 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022	Apr. 30, 2023
Financing Receivable, Allowance for Credit Losses [Line Items]
Net unamortized purchase premiums, discounts, and deferred loan fees and cost	$ 43,000,000		$ 49,000,000
Accrued interest receivable	$ 254,000,000		$ 247,000,000
Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Other assets		Other assets
Total loans	$ 56,331,000,000		$ 55,653,000,000
Loans held for sale	5,000,000		8,000,000
Held-for-sale loans sold	89,000,000	$ 336,000,000
Payments for origination and purchases of loans held-for-sale	86,000,000	297,000,000
Principal balance of loans sold, serviced loans	3,400,000,000		3,500,000,000
Total income from loans sold	5,000,000	6,000,000
Loans and leases, net of unearned income and fees	56,331,000,000		55,653,000,000
Financing receivable, commitments threshold for evaluating collectively or individually	1,000,000
Total allowance for credit losses	678,000,000	514,000,000
Unfunded lending commitments on troubled debt restructuring	8,000,000		7,000,000
Amortized cost of TDR loans modified with interest rates below market			235,000,000
Financing receivable, modifications, subsequent default, recorded investment			10,000,000
Real estate acquired through foreclosure	0		0
Mortgage loans in process of foreclosure	5,000,000		10,000,000
Interest income	0	0
Asset Pledged as Collateral without Right
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans held for sale	30,200,000,000		27,600,000,000
Asset Pledged as Collateral without Right | Subsequent Event
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans held for sale				$ 9,400,000,000
Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost of TDR loans modified with interest rates below market			38,000,000
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	30,576,000,000		30,495,000,000
Total allowance for credit losses	332,000,000	296,000,000
Commercial | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost of TDR loans modified with interest rates below market			23,000,000
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	12,898,000,000		12,739,000,000
Total allowance for credit losses	188,000,000	114,000,000
Commercial real estate | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost of TDR loans modified with interest rates below market			10,000,000
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	12,857,000,000		12,419,000,000
Total allowance for credit losses	158,000,000	$ 104,000,000
Consumer | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost of TDR loans modified with interest rates below market			5,000,000
Land Acquisition and Development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	226,000,000		262,000,000
Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	$ 16,500,000,000		16,377,000,000
Commercial and industrial | Commercial | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost of TDR loans modified with interest rates below market			$ 15,000,000

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	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Allowance for loan losses
Balance at beginning of period	$ 575	$ 513
Provision for loan and lease losses	46	(29)
Total	7	17
Recoveries	7	11
Net loan and lease charge-offs (recoveries)	0	6
Balance at end of period	618	478
Reserve for unfunded lending commitments
Balance at beginning of period	61	40
Provision for unfunded lending commitments	(1)	(4)
Balance at end of period	60	36
Total allowance for credit losses	678	514
Adjustment for change in accounting standard
Allowance for loan losses
Balance at beginning of period	(3)
Adjusted balance
Allowance for loan losses
Balance at beginning of period	572
Commercial
Allowance for loan losses
Balance at beginning of period	300	311
Provision for loan and lease losses	10	(24)
Total	3	13
Recoveries	6	8
Net loan and lease charge-offs (recoveries)	(3)	5
Balance at end of period	313	282
Reserve for unfunded lending commitments
Balance at beginning of period	16	19
Provision for unfunded lending commitments	3	(5)
Balance at end of period	19	14
Total allowance for credit losses	332	296
Commercial | Adjustment for change in accounting standard
Allowance for loan losses
Balance at beginning of period	0
Commercial | Adjusted balance
Allowance for loan losses
Balance at beginning of period	300
Commercial real estate
Allowance for loan losses
Balance at beginning of period	156	107
Provision for loan and lease losses	8	(5)
Total	0	0
Recoveries	0	0
Net loan and lease charge-offs (recoveries)	0	0
Balance at end of period	160	102
Reserve for unfunded lending commitments
Balance at beginning of period	33	11
Provision for unfunded lending commitments	(5)	1
Balance at end of period	28	12
Total allowance for credit losses	188	114
Commercial real estate | Adjustment for change in accounting standard
Allowance for loan losses
Balance at beginning of period	(4)
Commercial real estate | Adjusted balance
Allowance for loan losses
Balance at beginning of period	152
Consumer
Allowance for loan losses
Balance at beginning of period	119	95
Provision for loan and lease losses	28	0
Total	4	4
Recoveries	1	3
Net loan and lease charge-offs (recoveries)	3	1
Balance at end of period	145	94
Reserve for unfunded lending commitments
Balance at beginning of period	12	10
Provision for unfunded lending commitments	1	0
Balance at end of period	13	10
Total allowance for credit losses	158	$ 104
Consumer | Adjustment for change in accounting standard
Allowance for loan losses
Balance at beginning of period	1
Consumer | Adjusted balance
Allowance for loan losses
Balance at beginning of period	$ 120

Loans, Leases, and Allowance _6

Loans, Leases, and Allowance for Credit Losses (Summary of Nonaccrual Loans) (Details) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	$ 37	$ 31
Amortized cost basis with allowance	134	118
Nonaccrual loans that are current	171	149
Related allowance	57	35
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	28	21
Amortized cost basis with allowance	82	66
Nonaccrual loans that are current	110	87
Related allowance	46	28
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	8	8
Amortized cost basis with allowance	69	55
Nonaccrual loans that are current	77	63
Related allowance	45	27
Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	20	13
Amortized cost basis with allowance	13	11
Nonaccrual loans that are current	33	24
Related allowance	1	1
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	4	0
Amortized cost basis with allowance	12	14
Nonaccrual loans that are current	16	14
Related allowance	3	2
Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	4	0
Amortized cost basis with allowance	12	14
Nonaccrual loans that are current	16	14
Related allowance	3	2
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	5	10
Amortized cost basis with allowance	40	38
Nonaccrual loans that are current	45	48
Related allowance	8	5
Consumer | Home equity credit line
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	0	1
Amortized cost basis with allowance	11	10
Nonaccrual loans that are current	11	11
Related allowance	3	2
Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	5	9
Amortized cost basis with allowance	29	28
Nonaccrual loans that are current	34	37
Related allowance	$ 5	3
Consumer | Bankcard and other revolving plans
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance		0
Amortized cost basis with allowance		0
Nonaccrual loans that are current		0
Related allowance		$ 0

Loans, Leases, and Allowance _7

Loans, Leases, and Allowance for Credit Losses (Summary of Accrued Interest Receivables Reversed) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Financing Receivable, Past Due [Line Items]
Accrued interest receivable written off	$ 3	$ 4
Commercial
Financing Receivable, Past Due [Line Items]
Accrued interest receivable written off	2	4
Commercial real estate
Financing Receivable, Past Due [Line Items]
Accrued interest receivable written off	1	0
Consumer
Financing Receivable, Past Due [Line Items]
Accrued interest receivable written off	$ 0	$ 0

Loans, Leases, and Allowance _8

Loans, Leases, and Allowance for Credit Losses (Summary of Past Due Loans (Accruing and Nonaccruing)) (Details) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	$ 56,331	$ 55,653
90+ days past due	2	6
Nonaccrual loans that are current	171	149
Loans and leases, net of unearned income and fees	56,331	55,653
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	30,576	30,495
90+ days past due	1	5
Nonaccrual loans that are current	110	87
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	12,898	12,739
90+ days past due	0	0
Nonaccrual loans that are current	16	14
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	12,857	12,419
90+ days past due	1	1
Nonaccrual loans that are current	45	48
Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	16,500	16,377
90+ days past due	1	4
Nonaccrual loans that are current	77	63
Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	385	386
90+ days past due	0	0
Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	9,317	9,371
90+ days past due	0	1
Nonaccrual loans that are current	33	24
Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	4,374	4,361
90+ days past due	0	0
Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	2,313	2,513
90+ days past due	0	0
Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	10,585	10,226
90+ days past due	0	0
Nonaccrual loans that are current	16	14
Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	3,276	3,377
90+ days past due	0	0
Nonaccrual loans that are current	11	11
1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	7,692	7,286
90+ days past due	0	0
Nonaccrual loans that are current	34	37
Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1,299	1,161
90+ days past due	0	0
Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	459	471
90+ days past due	1	1
Nonaccrual loans that are current		0
Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	131	124
90+ days past due	0	0
Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	56,204	55,491
Current | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	30,500	30,422
Current | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	12,890	12,690
Current | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	12,814	12,379
Current | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	16,436	16,331
Current | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	385	386
Current | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	9,305	9,344
Current | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	4,374	4,361
Current | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	2,308	2,511
Current | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	10,582	10,179
Current | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	3,265	3,369
Current | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	7,665	7,258
Current | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1,299	1,161
Current | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	455	467
Current | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	130	124
Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	127	162
Total past due | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	76	73
Total past due | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	8	49
Total past due | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	43	40
Total past due | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	64	46
Total past due | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
Total past due | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	12	27
Total past due | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
Total past due | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	5	2
Total past due | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	3	47
Total past due | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	11	8
Total past due | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	27	28
Total past due | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
Total past due | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	4	4
Total past due | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1	0
30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	94	100
30-89 days past due | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	62	44
30-89 days past due | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	6	39
30-89 days past due | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	26	17
30-89 days past due | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	53	24
30-89 days past due | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
30-89 days past due | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	9	20
30-89 days past due | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
30-89 days past due | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	5	2
30-89 days past due | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1	37
30-89 days past due | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	8	5
30-89 days past due | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	14	9
30-89 days past due | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
30-89 days past due | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	3	3
30-89 days past due | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1	0
90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	33	62
90+ days past due | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	14	29
90+ days past due | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	2	10
90+ days past due | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	17	23
90+ days past due | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	11	22
90+ days past due | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
90+ days past due | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	3	7
90+ days past due | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
90+ days past due | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
90+ days past due | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	2	10
90+ days past due | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	3	3
90+ days past due | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	13	19
90+ days past due | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
90+ days past due | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1	1
90+ days past due | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
Nonaccrual loans that are current
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	126	86
Nonaccrual loans that are current | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	93	60
Nonaccrual loans that are current | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	14	4
Nonaccrual loans that are current | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	19	22
Nonaccrual loans that are current | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	64	45
Nonaccrual loans that are current | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	1	0
Nonaccrual loans that are current | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	28	15
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	14	4
Nonaccrual loans that are current | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	5	6
Nonaccrual loans that are current | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	14	16
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 _9

Loans, Leases, and Allowance for Credit Losses (Summary of Outstanding Loan Balances (Accruing and Nonaccruing) Categorized by Credit Quality Indicators) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Total loans
2023/2022	$ 2,525		$ 13,059
2022/2021	12,854		10,344
2021/2020	9,914		6,360
2020/2019	5,993		4,239
2019/2018	3,978		2,347
Prior	7,618		5,667
Revolving loans amortized cost basis	12,830		13,064
Revolving loans converted to term loans amortized cost basis	619		573
Total loans	56,331		55,653
Gross charge-offs
2023/2022	0
2022/2021	0
2021/2020	0
2020/2019	0
2019/2018	0
Prior	3
Revolving loans amortized cost basis	4
Revolving loans converted to term loans amortized cost basis	0
Total	7	$ 17
Commercial
Total loans
2023/2022	1,231		6,987
2022/2021	6,697		5,522
2021/2020	5,227		3,072
2020/2019	2,910		2,430
2019/2018	2,203		1,228
Prior	3,638		2,568
Revolving loans amortized cost basis	8,430		8,426
Revolving loans converted to term loans amortized cost basis	240		262
Total loans	30,576		30,495
Gross charge-offs
2023/2022	0
2022/2021	0
2021/2020	0
2020/2019	0
2019/2018	0
Prior	1
Revolving loans amortized cost basis	2
Revolving loans converted to term loans amortized cost basis	0
Total	3	13
Commercial real estate
Total loans
2023/2022	861		3,508
2022/2021	3,410		2,802
2021/2020	2,624		2,186
2020/2019	2,003		1,140
2019/2018	1,117		726
Prior	1,839		1,276
Revolving loans amortized cost basis	764		893
Revolving loans converted to term loans amortized cost basis	280		208
Total loans	12,898		12,739
Gross charge-offs
2023/2022	0
2022/2021	0
2021/2020	0
2020/2019	0
2019/2018	0
Prior	0
Revolving loans amortized cost basis	0
Revolving loans converted to term loans amortized cost basis	0
Total	0	0
Consumer
Total loans
2023/2022	433		2,564
2022/2021	2,747		2,020
2021/2020	2,063		1,102
2020/2019	1,080		669
2019/2018	658		393
Prior	2,141		1,823
Revolving loans amortized cost basis	3,636		3,745
Revolving loans converted to term loans amortized cost basis	99		103
Total loans	12,857		12,419
Gross charge-offs
2023/2022	0
2022/2021	0
2021/2020	0
2020/2019	0
2019/2018	0
Prior	2
Revolving loans amortized cost basis	2
Revolving loans converted to term loans amortized cost basis	0
Total	4	$ 4
Commercial and industrial | Commercial
Total loans
2023/2022	682		3,390
2022/2021	3,212		1,891
2021/2020	1,706		1,011
2020/2019	923		1,017
2019/2018	887		325
Prior	648		335
Revolving loans amortized cost basis	8,250		8,220
Revolving loans converted to term loans amortized cost basis	192		188
Total loans	16,500		16,377
Gross charge-offs
2023/2022	0
2022/2021	0
2021/2020	0
2020/2019	0
2019/2018	0
Prior	1
Revolving loans amortized cost basis	2
Revolving loans converted to term loans amortized cost basis	0
Total	3
Leasing | Commercial
Total loans
2023/2022	25		160
2022/2021	155		71
2021/2020	64		47
2020/2019	42		66
2019/2018	61		18
Prior	38		24
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	385		386
Gross charge-offs
2023/2022	0
2022/2021	0
2021/2020	0
2020/2019	0
2019/2018	0
Prior	0
Revolving loans amortized cost basis	0
Revolving loans converted to term loans amortized cost basis	0
Total	0
Owner-occupied | Commercial
Total loans
2023/2022	395		2,175
2022/2021	2,111		2,334
2021/2020	2,248		1,198
2020/2019	1,146		906
2019/2018	837		717
Prior	2,361		1,769
Revolving loans amortized cost basis	171		198
Revolving loans converted to term loans amortized cost basis	48		74
Total loans	9,317		9,371
Gross charge-offs
2023/2022	0
2022/2021	0
2021/2020	0
2020/2019	0
2019/2018	0
Prior	0
Revolving loans amortized cost basis	0
Revolving loans converted to term loans amortized cost basis	0
Total	0
Municipal | Commercial
Total loans
2023/2022	129		1,262
2022/2021	1,219		1,226
2021/2020	1,209		816
2020/2019	799		441
2019/2018	418		168
Prior	591		440
Revolving loans amortized cost basis	9		8
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	4,374		4,361
Gross charge-offs
2023/2022	0
2022/2021	0
2021/2020	0
2020/2019	0
2019/2018	0
Prior	0
Revolving loans amortized cost basis	0
Revolving loans converted to term loans amortized cost basis	0
Total	0
Construction and land development | Commercial real estate
Total loans
2023/2022	115		566
2022/2021	626		672
2021/2020	613		455
2020/2019	219		103
2019/2018	61		2
Prior	3		2
Revolving loans amortized cost basis	571		617
Revolving loans converted to term loans amortized cost basis	105		96
Total loans	2,313		2,513
Gross charge-offs
2023/2022	0
2022/2021	0
2021/2020	0
2020/2019	0
2019/2018	0
Prior	0
Revolving loans amortized cost basis	0
Revolving loans converted to term loans amortized cost basis	0
Total	0
Term | Commercial real estate
Total loans
2023/2022	746		2,942
2022/2021	2,784		2,130
2021/2020	2,011		1,731
2020/2019	1,784		1,037
2019/2018	1,056		724
Prior	1,836		1,274
Revolving loans amortized cost basis	193		276
Revolving loans converted to term loans amortized cost basis	175		112
Total loans	10,585		10,226
Gross charge-offs
2023/2022	0
2022/2021	0
2021/2020	0
2020/2019	0
2019/2018	0
Prior	0
Revolving loans amortized cost basis	0
Revolving loans converted to term loans amortized cost basis	0
Total	0
Home equity credit line | Consumer
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	0		0
Prior	0		0
Revolving loans amortized cost basis	3,179		3,276
Revolving loans converted to term loans amortized cost basis	97		101
Total loans	3,276		3,377
Gross charge-offs
2023/2022	0
2022/2021	0
2021/2020	0
2020/2019	0
2019/2018	0
Prior	0
Revolving loans amortized cost basis	0
Revolving loans converted to term loans amortized cost basis	0
Total	0
1-4 family residential | Consumer
Total loans
2023/2022	381		1,913
2022/2021	1,918		1,505
2021/2020	1,596		1,026
2020/2019	1,036		642
2019/2018	633		384
Prior	2,128		1,816
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	7,692		7,286
Gross charge-offs
2023/2022	0
2022/2021	0
2021/2020	0
2020/2019	0
2019/2018	0
Prior	2
Revolving loans amortized cost basis	0
Revolving loans converted to term loans amortized cost basis	0
Total	2
Construction and other consumer real estate | Consumer
Total loans
2023/2022	22		583
2022/2021	775		485
2021/2020	440		64
2020/2019	35		19
2019/2018	18		5
Prior	9		5
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	1,299		1,161
Gross charge-offs
2023/2022	0
2022/2021	0
2021/2020	0
2020/2019	0
2019/2018	0
Prior	0
Revolving loans amortized cost basis	0
Revolving loans converted to term loans amortized cost basis	0
Total	0
Bankcard and other revolving plans | Consumer
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	0		0
Prior	0		0
Revolving loans amortized cost basis	457		469
Revolving loans converted to term loans amortized cost basis	2		2
Total loans	459		471
Gross charge-offs
2023/2022	0
2022/2021	0
2021/2020	0
2020/2019	0
2019/2018	0
Prior	0
Revolving loans amortized cost basis	2
Revolving loans converted to term loans amortized cost basis	0
Total	2
Other | Consumer
Total loans
2023/2022	30		68
2022/2021	54		30
2021/2020	27		12
2020/2019	9		8
2019/2018	7		4
Prior	4		2
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	131		124
Gross charge-offs
2023/2022	0
2022/2021	0
2021/2020	0
2020/2019	0
2019/2018	0
Prior	0
Revolving loans amortized cost basis	0
Revolving loans converted to term loans amortized cost basis	0
Total	0
Pass | Commercial and industrial | Commercial
Total loans
2023/2022	678		3,363
2022/2021	3,181		1,874
2021/2020	1,689		979
2020/2019	899		876
2019/2018	751		293
Prior	577		264
Revolving loans amortized cost basis	8,050		8,054
Revolving loans converted to term loans amortized cost basis	186		182
Total loans	16,011		15,885
Pass | Leasing | Commercial
Total loans
2023/2022	25		160
2022/2021	155		71
2021/2020	64		47
2020/2019	42		66
2019/2018	61		18
Prior	34		19
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	381		381
Pass | Owner-occupied | Commercial
Total loans
2023/2022	390		2,157
2022/2021	2,079		2,285
2021/2020	2,182		1,143
2020/2019	1,098		874
2019/2018	808		654
Prior	2,227		1,679
Revolving loans amortized cost basis	165		187
Revolving loans converted to term loans amortized cost basis	48		74
Total loans	8,997		9,053
Pass | Municipal | Commercial
Total loans
2023/2022	129		1,230
2022/2021	1,187		1,220
2021/2020	1,203		816
2020/2019	799		441
2019/2018	418		168
Prior	591		437
Revolving loans amortized cost basis	9		8
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	4,336		4,320
Pass | Construction and land development | Commercial real estate
Total loans
2023/2022	115		548
2022/2021	616		671
2021/2020	607		455
2020/2019	219		81
2019/2018	39		2
Prior	3		2
Revolving loans amortized cost basis	571		617
Revolving loans converted to term loans amortized cost basis	105		96
Total loans	2,275		2,472
Pass | Term | Commercial real estate
Total loans
2023/2022	714		2,861
2022/2021	2,723		2,107
2021/2020	2,002		1,686
2020/2019	1,697		1,012
2019/2018	1,026		666
Prior	1,777		1,229
Revolving loans amortized cost basis	191		276
Revolving loans converted to term loans amortized cost basis	175		112
Total loans	10,305		9,949
Pass | Home equity credit line | Consumer
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	0		0
Prior	0		0
Revolving loans amortized cost basis	3,167		3,265
Revolving loans converted to term loans amortized cost basis	95		98
Total loans	3,262		3,363
Pass | 1-4 family residential | Consumer
Total loans
2023/2022	381		1,913
2022/2021	1,916		1,503
2021/2020	1,594		1,024
2020/2019	1,034		638
2019/2018	628		381
Prior	2,103		1,788
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	7,656		7,247
Pass | Construction and other consumer real estate | Consumer
Total loans
2023/2022	22		583
2022/2021	775		485
2021/2020	440		64
2020/2019	35		19
2019/2018	18		5
Prior	9		5
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	1,299		1,161
Pass | Bankcard and other revolving plans | Consumer
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	0		0
Prior	0		0
Revolving loans amortized cost basis	455		468
Revolving loans converted to term loans amortized cost basis	1		2
Total loans	456		470
Pass | Other | Consumer
Total loans
2023/2022	30		68
2022/2021	54		30
2021/2020	27		12
2020/2019	9		8
2019/2018	7		4
Prior	4		2
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	131		124
Special Mention | Commercial and industrial | Commercial
Total loans
2023/2022	0		1
2022/2021	3		2
2021/2020	3		10
2020/2019	6		52
2019/2018	39		1
Prior	2		2
Revolving loans amortized cost basis	63		50
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	116		118
Special Mention | Leasing | Commercial
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	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 | Owner-occupied | Commercial
Total loans
2023/2022	1		1
2022/2021	4		15
2021/2020	20		5
2020/2019	3		8
2019/2018	8		3
Prior	18		16
Revolving loans amortized cost basis	0		1
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	54		49
Special Mention | Municipal | Commercial
Total loans
2023/2022	0		32
2022/2021	32		6
2021/2020	6		0
2020/2019	0		0
2019/2018	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	38		38
Special Mention | Construction and land development | Commercial real estate
Total loans
2023/2022			1
2022/2021	0		1
2021/2020	5		0
2020/2019	0		0
2019/2018	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	5		2
Special Mention | Term | Commercial real estate
Total loans
2023/2022	19		39
2022/2021	17		21
2021/2020	0		11
2020/2019	41		0
2019/2018	0		4
Prior	5		1
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	82		76
Special Mention | Home equity credit line | Consumer
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	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 | 1-4 family residential | Consumer
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	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
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	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
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	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
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	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
Total loans
2023/2022	4		26
2022/2021	27		7
2021/2020	6		17
2020/2019	13		78
2019/2018	87		30
Prior	67		67
Revolving loans amortized cost basis	90		84
Revolving loans converted to term loans amortized cost basis	2		2
Total loans	296		311
Accruing Substandard | Leasing | Commercial
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	0		0
Prior	4		5
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	4		5
Accruing Substandard | Owner-occupied | Commercial
Total loans
2023/2022	4		16
2022/2021	28		33
2021/2020	44		48
2020/2019	31		20
2019/2018	18		55
Prior	104		64
Revolving loans amortized cost basis	4		9
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	233		245
Accruing Substandard | Municipal | Commercial
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	0		0
Prior	0		3
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	0		3
Accruing Substandard | Construction and land development | Commercial real estate
Total loans
2023/2022	0		17
2022/2021	10		0
2021/2020	1		0
2020/2019	0		22
2019/2018	22		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	33		39
Accruing Substandard | Term | Commercial real estate
Total loans
2023/2022	13		42
2022/2021	44		2
2021/2020	9		34
2020/2019	46		21
2019/2018	26		53
Prior	42		35
Revolving loans amortized cost basis	2		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	182		187
Accruing Substandard | Home equity credit line | Consumer
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	0		0
Prior	0		0
Revolving loans amortized cost basis	3		3
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	3		3
Accruing Substandard | 1-4 family residential | Consumer
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	0		0
Prior	2		2
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
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	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
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	0		0
Prior	0		0
Revolving loans amortized cost basis	2		1
Revolving loans converted to term loans amortized cost basis	1		0
Total loans	3		1
Accruing Substandard | Other | Consumer
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	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
Total loans
2023/2022	0		0
2022/2021	1		8
2021/2020	8		5
2020/2019	5		11
2019/2018	10		1
Prior	2		2
Revolving loans amortized cost basis	47		32
Revolving loans converted to term loans amortized cost basis	4		4
Total loans	77		63
Nonaccrual | Leasing | Commercial
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	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
Total loans
2023/2022	0		1
2022/2021	0		1
2021/2020	2		2
2020/2019	14		4
2019/2018	3		5
Prior	12		10
Revolving loans amortized cost basis	2		1
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	33		24
Nonaccrual | Municipal | Commercial
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	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
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	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
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		4
2019/2018	4		1
Prior	12		9
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	16		14
Nonaccrual | Home equity credit line | Consumer
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	0		0
Prior	0		0
Revolving loans amortized cost basis	9		8
Revolving loans converted to term loans amortized cost basis	2		3
Total loans	11		11
Nonaccrual | 1-4 family residential | Consumer
Total loans
2023/2022	0		0
2022/2021	2		2
2021/2020	2		2
2020/2019	2		4
2019/2018	5		3
Prior	23		26
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	34		37
Nonaccrual | Construction and other consumer real estate | Consumer
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	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
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	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 | Other | Consumer
Total loans
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	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_10

Loans, Leases, and Allowance for Credit Losses (Summary of Selected Information on TDRs) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 97
Percentage of total loans	0.20%
Unfunded lending commitments on troubled debt restructuring	$ 8	$ 7
Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	4
Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	92
Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	1
Commercial
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 46
Percentage of total loans	0.20%
Commercial | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 4
Commercial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	42
Commercial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0
Commercial | Commercial and industrial
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 36
Percentage of total loans	0.20%
Commercial | Commercial and industrial | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0
Commercial | Commercial and industrial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	36
Commercial | Commercial and industrial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0
Commercial | Owner-occupied
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 10
Percentage of total loans	0.10%
Commercial | Owner-occupied | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 4
Commercial | Owner-occupied | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	6
Commercial | Owner-occupied | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0
Commercial real estate
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 49
Percentage of total loans	0.40%
Commercial real estate | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0
Commercial real estate | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	49
Commercial real estate | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0
Commercial real estate | Term
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 49
Percentage of total loans	0.50%
Commercial real estate | Term | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0
Commercial real estate | Term | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	49
Commercial real estate | Term | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0
Consumer
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 2
Percentage of total loans	0%
Consumer | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0
Consumer | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	1
Consumer | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	1
Consumer | 1-4 family residential
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 1
Percentage of total loans	0%
Consumer | 1-4 family residential | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0
Consumer | 1-4 family residential | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0
Consumer | 1-4 family residential | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	1
Consumer | Bankcard and other revolving plans
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 1
Percentage of total loans	0.20%
Consumer | Bankcard and other revolving plans | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0
Consumer | Bankcard and other revolving plans | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	1
Consumer | Bankcard and other revolving plans | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0

Loans, Leases, and Allowance_11

Loans, Leases, and Allowance for Credit Losses (Summary of Financial Impact of Loan Modifications) (Details)	3 Months Ended
	Mar. 31, 2023
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	4%
Weighted-average term extension (in months)	10 months
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	4.40%
Weighted-average term extension (in months)	9 months
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	0%
Weighted-average term extension (in months)	10 months
Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	4.40%
Weighted-average term extension (in months)	5 months
Commercial | Construction and land development
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	0%
Weighted-average term extension (in months)	6 months
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	0%
Weighted-average term extension (in months)	9 months
Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	0%
Weighted-average term extension (in months)	9 months
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	1.30%
Weighted-average term extension (in months)	84 months
Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	1.30%
Weighted-average term extension (in months)	110 months
Consumer | Bankcard and other revolving plans
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	0%
Weighted-average term extension (in months)	65 months

Loans, Leases, and Allowance_12

Loans, Leases, and Allowance for Credit Losses (Summary Aging Analysis, Modified) (Details) $ in Millions	Mar. 31, 2023 USD ($)
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	$ 97
Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	80
30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	17
90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	17
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	46
Commercial | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	30
Commercial | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	16
Commercial | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Commercial | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	16
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	36
Commercial | Commercial and industrial | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	20
Commercial | Commercial and industrial | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	16
Commercial | Commercial and industrial | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Commercial | Commercial and industrial | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	16
Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	10
Commercial | Owner-occupied | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	10
Commercial | Owner-occupied | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Commercial | Owner-occupied | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Commercial | Owner-occupied | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	49
Commercial real estate | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	49
Commercial real estate | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Commercial real estate | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Commercial real estate | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	49
Commercial real estate | Term | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	49
Commercial real estate | Term | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Commercial real estate | Term | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Commercial real estate | Term | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	2
Consumer | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	1
Consumer | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	1
Consumer | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Consumer | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	1
Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	1
Consumer | 1-4 family residential | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Consumer | 1-4 family residential | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	1
Consumer | 1-4 family residential | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Consumer | 1-4 family residential | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	1
Consumer | Bankcard and other revolving plans
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	1
Consumer | Bankcard and other revolving plans | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	1
Consumer | Bankcard and other revolving plans | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Consumer | Bankcard and other revolving plans | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Consumer | Bankcard and other revolving plans | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	$ 0

Loans, Leases, and Allowance_13

Loans, Leases, and Allowance for Credit Losses (Summary of Accrual and Nonaccrual) (Details) $ in Millions	12 Months Ended
	Dec. 31, 2022 USD ($)
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	$ 235
Interest rate reduction
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	8
Maturity or term extension
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	53
Principal forgiveness
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	7
Payment deferral
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	32
Other
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	61
Multiple modification types
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	74
Accruing
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	197
Accruing | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	4
Accruing | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	42
Accruing | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	6
Accruing | Payment deferral
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	29
Accruing | Other
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	51
Accruing | Multiple modification types
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	65
Accruing | Commercial
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	78
Accruing | Commercial | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	1
Accruing | Commercial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	13
Accruing | Commercial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Accruing | Commercial | Payment deferral
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	2
Accruing | Commercial | Other
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	22
Accruing | Commercial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	40
Accruing | Commercial | Commercial and industrial
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	50
Accruing | Commercial | Commercial and industrial | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	1
Accruing | Commercial | Commercial and industrial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	12
Accruing | Commercial | Commercial and industrial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Accruing | Commercial | Commercial and industrial | Payment deferral
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Accruing | Commercial | Commercial and industrial | Other
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	9
Accruing | Commercial | Commercial and industrial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	28
Accruing | Commercial | Owner-occupied
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	28
Accruing | Commercial | Owner-occupied | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Accruing | Commercial | Owner-occupied | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	1
Accruing | Commercial | Owner-occupied | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Accruing | Commercial | Owner-occupied | Payment deferral
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	2
Accruing | Commercial | Owner-occupied | Other
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	13
Accruing | Commercial | Owner-occupied | Multiple modification types
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	12
Accruing | Commercial | Municipal
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Accruing | Commercial | Municipal | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Accruing | Commercial | Municipal | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Accruing | Commercial | Municipal | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Accruing | Commercial | Municipal | Payment deferral
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Accruing | Commercial | Municipal | Other
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Accruing | Commercial | Municipal | Multiple modification types
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Accruing | Commercial real estate
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	92
Accruing | Commercial real estate | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	1
Accruing | Commercial real estate | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	27
Accruing | Commercial real estate | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Accruing | Commercial real estate | Payment deferral
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	27
Accruing | Commercial real estate | Other
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	28
Accruing | Commercial real estate | Multiple modification types
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	9
Accruing | Commercial real estate | Construction and land development
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	8
Accruing | Commercial real estate | Construction and land development | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Accruing | Commercial real estate | Construction and land development | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Accruing | Commercial real estate | Construction and land development | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Accruing | Commercial real estate | Construction and land development | Payment deferral
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Accruing | Commercial real estate | Construction and land development | Other
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Accruing | Commercial real estate | Construction and land development | Multiple modification types
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	8
Accruing | Commercial real estate | Term
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	84
Accruing | Commercial real estate | Term | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	1
Accruing | Commercial real estate | Term | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	27
Accruing | Commercial real estate | Term | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Accruing | Commercial real estate | Term | Payment deferral
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	27
Accruing | Commercial real estate | Term | Other
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	28
Accruing | Commercial real estate | Term | Multiple modification types
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	1
Accruing | Consumer
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	27
Accruing | Consumer | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	2
Accruing | Consumer | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	2
Accruing | Consumer | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	6
Accruing | Consumer | Payment deferral
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Accruing | Consumer | Other
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	1
Accruing | Consumer | Multiple modification types
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	16
Accruing | Consumer | Home equity credit line
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	6
Accruing | Consumer | Home equity credit line | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Accruing | Consumer | Home equity credit line | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	1
Accruing | Consumer | Home equity credit line | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	4
Accruing | Consumer | Home equity credit line | Payment deferral
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Accruing | Consumer | Home equity credit line | Other
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Accruing | Consumer | Home equity credit line | Multiple modification types
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	1
Accruing | Consumer | 1-4 family residential
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	21
Accruing | Consumer | 1-4 family residential | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	2
Accruing | Consumer | 1-4 family residential | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	1
Accruing | Consumer | 1-4 family residential | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	2
Accruing | Consumer | 1-4 family residential | Payment deferral
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Accruing | Consumer | 1-4 family residential | Other
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	1
Accruing | Consumer | 1-4 family residential | Multiple modification types
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	15
Nonaccruing
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	38
Nonaccruing | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	4
Nonaccruing | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	11
Nonaccruing | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	1
Nonaccruing | Payment deferral
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	3
Nonaccruing | Other
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	10
Nonaccruing | Multiple modification types
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	9
Nonaccruing | Commercial
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	23
Nonaccruing | Commercial | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	4
Nonaccruing | Commercial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Commercial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Commercial | Payment deferral
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	3
Nonaccruing | Commercial | Other
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	9
Nonaccruing | Commercial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	7
Nonaccruing | Commercial | Commercial and industrial
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	15
Nonaccruing | Commercial | Commercial and industrial | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Commercial | Commercial and industrial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Commercial | Commercial and industrial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Commercial | Commercial and industrial | Payment deferral
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	3
Nonaccruing | Commercial | Commercial and industrial | Other
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	9
Nonaccruing | Commercial | Commercial and industrial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	3
Nonaccruing | Commercial | Owner-occupied
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	8
Nonaccruing | Commercial | Owner-occupied | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	4
Nonaccruing | Commercial | Owner-occupied | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Commercial | Owner-occupied | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Commercial | Owner-occupied | Payment deferral
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Commercial | Owner-occupied | Other
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Commercial | Owner-occupied | Multiple modification types
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	4
Nonaccruing | Commercial real estate
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	10
Nonaccruing | Commercial real estate | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Commercial real estate | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	10
Nonaccruing | Commercial real estate | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Commercial real estate | Payment deferral
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Commercial real estate | Other
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Commercial real estate | Multiple modification types
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Commercial real estate | Term
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	10
Nonaccruing | Commercial real estate | Term | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Commercial real estate | Term | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	10
Nonaccruing | Commercial real estate | Term | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Commercial real estate | Term | Payment deferral
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Commercial real estate | Term | Other
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Commercial real estate | Term | Multiple modification types
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Consumer
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	5
Nonaccruing | Consumer | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Consumer | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	1
Nonaccruing | Consumer | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	1
Nonaccruing | Consumer | Payment deferral
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Consumer | Other
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	1
Nonaccruing | Consumer | Multiple modification types
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	2
Nonaccruing | Consumer | Home equity credit line
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	1
Nonaccruing | Consumer | Home equity credit line | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Consumer | Home equity credit line | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Consumer | Home equity credit line | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	1
Nonaccruing | Consumer | Home equity credit line | Payment deferral
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Consumer | Home equity credit line | Other
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Consumer | Home equity credit line | Multiple modification types
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Consumer | 1-4 family residential
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	4
Nonaccruing | Consumer | 1-4 family residential | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Consumer | 1-4 family residential | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	1
Nonaccruing | Consumer | 1-4 family residential | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Consumer | 1-4 family residential | Payment deferral
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	0
Nonaccruing | Consumer | 1-4 family residential | Other
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	1
Nonaccruing | Consumer | 1-4 family residential | Multiple modification types
Financing Receivable, Modifications [Line Items]
Financing Receivable, Modified in Period, Amount	$ 2

Loans, Leases, and Allowance_14

Loans, Leases, and Allowance for Credit Losses (Collateral-Dependent Loans) (Details) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 17	$ 7
Owner-occupied | Commercial | Hospital
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 12
Weighted average LTV	30%
Owner-occupied | Commercial | Land, Warehouse
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost		$ 2
Weighted average LTV		29%
Term | Commercial real estate | Hotel, Multi-family
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 5
Weighted average LTV	64%
Term | Commercial real estate | Multi-family
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost		$ 1
Weighted average LTV		55%
Home equity credit line | Consumer | Single family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost		$ 1
Weighted average LTV		13%
1-4 family residential | Consumer | Single family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost		$ 3
Weighted average LTV		41%

Derivative Instruments and He_3

Derivative Instruments and Hedging Activities (Narrative) (Details)	3 Months Ended
	Mar. 31, 2023 USD ($) derivative_instrument	Dec. 31, 2022 USD ($)
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	$ 22,639,000,000	$ 24,498,000,000
AOCI, cash flow hedge, deferred losses	153,000,000
Derivatives (included in other liabilities)	353,000,000	451,000,000
Cash collateral pledged for derivative liabilities	1,000,000
Additional collateral that would be required to be pledge if credit rating was downgraded by one notch	0
Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	6,160,000,000	9,361,000,000
Parent
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives (included in other liabilities)	353,000,000
Other liabilities
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives (included in other liabilities)	353,000,000	451,000,000
Other liabilities | Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives (included in other liabilities)	$ 0	1,000,000
Fair Value Hedging | Interest rate swaps | Derivatives designated as hedging instruments:
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 | Asset hedges: Pay-fixed interest rate swaps | Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	1,227,000,000	1,228,000,000
Fair Value Hedging | Other liabilities | Interest rate swaps | Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives (included in other liabilities)	0	0
Fair Value Hedging | Other liabilities | Asset hedges: Pay-fixed interest rate swaps | Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives (included in other liabilities)	0	0
Cash Flow Hedging | Interest rate swaps | Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	4,433,000,000	7,633,000,000
Derivative, matured	300,000,000
Derivative, terminated	2,900,000,000
Cash Flow Hedging | Other liabilities | Interest rate swaps | Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives (included in other liabilities)	$ 0	$ 1,000,000

Derivative Instruments and He_4

Derivative Instruments and Hedging Activities (Notional and Recorded Fair Values) (Details) - USD ($)	Mar. 31, 2023	Dec. 31, 2022
Derivative [Line Items]
Notional amount	$ 22,639,000,000	$ 24,498,000,000
Other assets	369,000,000	386,000,000
Other liabilities	353,000,000	451,000,000
Net credit valuation adjustment reducing fair value	9,000,000	13,000,000
Other assets
Derivative [Line Items]
Other assets	369,000,000	386,000,000
Other liabilities
Derivative [Line Items]
Other liabilities	353,000,000	451,000,000
Derivatives designated as hedging instruments:
Derivative [Line Items]
Notional amount	6,160,000,000	9,361,000,000
Derivatives designated as hedging instruments: | Other assets
Derivative [Line Items]
Other assets	69,000,000	84,000,000
Derivatives designated as hedging instruments: | Other liabilities
Derivative [Line Items]
Other liabilities	0	1,000,000
Derivatives designated as hedging instruments: | Interest rate swaps | Cash Flow Hedging
Derivative [Line Items]
Notional amount	4,433,000,000	7,633,000,000
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]
Other assets	0	0
Derivatives designated as hedging instruments: | Interest rate swaps | Other assets | Fair Value Hedging
Derivative [Line Items]
Other assets	0	0
Derivatives designated as hedging instruments: | Interest rate swaps | Other liabilities | Cash Flow Hedging
Derivative [Line Items]
Other liabilities	0	1,000,000
Derivatives designated as hedging instruments: | Interest rate swaps | Other liabilities | Fair Value Hedging
Derivative [Line Items]
Other liabilities	0	0
Derivatives designated as hedging instruments: | Asset hedges: Pay-fixed interest rate swaps | Fair Value Hedging
Derivative [Line Items]
Notional amount	1,227,000,000	1,228,000,000
Derivatives designated as hedging instruments: | Asset hedges: Pay-fixed interest rate swaps | Other assets | Fair Value Hedging
Derivative [Line Items]
Other assets	69,000,000	84,000,000
Derivatives designated as hedging instruments: | Asset hedges: Pay-fixed interest rate swaps | Other liabilities | Fair Value Hedging
Derivative [Line Items]
Other liabilities	0	0
Derivatives not designated as hedging instruments
Derivative [Line Items]
Notional amount	16,479,000,000	15,137,000,000
Derivatives not designated as hedging instruments | Other assets
Derivative [Line Items]
Other assets	300,000,000	302,000,000
Derivatives not designated as hedging instruments | Other liabilities
Derivative [Line Items]
Other liabilities	353,000,000	450,000,000
Derivatives not designated as hedging instruments | Customer-facing interest rate derivatives
Derivative [Line Items]
Notional amount	13,804,000,000	13,670,000,000
Derivatives not designated as hedging instruments | Customer-facing interest rate derivatives | Other assets
Derivative [Line Items]
Other assets	295,000,000	296,000,000
Derivatives not designated as hedging instruments | Customer-facing interest rate derivatives | Other liabilities
Derivative [Line Items]
Other liabilities	349,000,000	443,000,000
Derivatives not designated as hedging instruments | Other interest rate derivatives
Derivative [Line Items]
Notional amount	2,417,000,000	862,000,000
Derivatives not designated as hedging instruments | Other interest rate derivatives | Other assets
Derivative [Line Items]
Other assets	1,000,000	0
Derivatives not designated as hedging instruments | Other interest rate derivatives | Other liabilities
Derivative [Line Items]
Other liabilities	0	0
Derivatives not designated as hedging instruments | Foreign exchange derivatives
Derivative [Line Items]
Notional amount	258,000,000	605,000,000
Derivatives not designated as hedging instruments | Foreign exchange derivatives | Other assets
Derivative [Line Items]
Other assets	4,000,000	6,000,000
Derivatives not designated as hedging instruments | Foreign exchange derivatives | Other liabilities
Derivative [Line Items]
Other liabilities	$ 4,000,000	$ 7,000,000

Derivative Instruments and He_5

Derivative Instruments and Hedging Activities (Derivative Gain (Loss) Recognized/Reclassified) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Derivative Instruments, Gain (Loss) [Line Items]
Amount of gain/(loss) reclassified from AOCI into income	$ (37,000,000)	$ 10,000,000
Loss to be reclassified within the next 12 months into interest income	156,000,000	205,000,000
Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	38,000,000	(178,000,000)
Amount of gain/(loss) reclassified from AOCI into income	(49,000,000)	14,000,000
Interest on fair value hedges	10,000,000	2,000,000
Derivatives designated as hedging instruments: | Cash Flow Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Terminated or redesignated, unamortized basis adjustments	10,000,000	7,000,000
Derivatives designated as hedging instruments: | Cash Flow Hedging | Purchased interest rate floors
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	0	0
Amount of gain/(loss) reclassified from AOCI into income	0	2,000,000
Interest on fair value hedges	0	0
Derivatives designated as hedging instruments: | Cash Flow Hedging | Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	38,000,000	(178,000,000)
Amount of gain/(loss) reclassified from AOCI into income	(49,000,000)	12,000,000
Interest on fair value hedges	0	0
Derivatives designated as hedging instruments: | Fair Value Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Terminated or redesignated, unamortized basis adjustments	0	0
Derivatives designated as hedging instruments: | 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
Amount of gain/(loss) reclassified from AOCI into income	0	0
Interest on fair value hedges	4,000,000	2,000,000
Derivatives designated as hedging instruments: | Fair Value Hedging | Basis amortization on terminated hedges
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	0	0
Amount of gain/(loss) reclassified from AOCI into income	0	0
Interest on fair value hedges	0	1,000,000
Derivatives designated as hedging instruments: | 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
Amount of gain/(loss) reclassified from AOCI into income	0	0
Interest on fair value hedges	6,000,000	(1,000,000)
Derivatives designated as hedging instruments: | Fair Value Hedging | Basis amortization on terminated hedges
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	0	0
Amount of gain/(loss) reclassified from AOCI into income	0	0
Interest on fair value hedges	$ 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	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	$ 9	$ 20
Customer-facing interest rate derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	1	13
Other interest rate derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	1	1
Foreign exchange derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	$ 7	$ 6

Derivative Instruments and He_7

Derivative Instruments and Hedging Activities (Gain (Loss) Recorded in Income) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Derivative Instruments, Gain (Loss) [Line Items]
Total income statement impact	$ (3)	$ 6
Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives	12	(32)
Hedged items	(12)	32
Total income statement impact	0	0
Asset hedges: Pay-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives	40	53
Hedged items	(40)	(53)
Total income statement impact	$ 0	$ 0

Derivative Instruments and He_8

Derivative Instruments and Hedging Activities (Basis Adjustments for Hedged Items) (Details) - Fair Value Hedging - USD ($)	Mar. 31, 2023	Dec. 31, 2022
Derivative Instruments, Gain (Loss) [Line Items]
Par value of hedged liabilities	$ (500,000,000)	$ (500,000,000)
Carrying amount of hedged liabilities	(447,000,000)	(435,000,000)
Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged liabilities	53,000,000	65,000,000
Par value of hedged assets	1,227,000,000	1,228,000,000
Carrying amount of hedged assets	1,001,000,000	962,000,000
Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets	$ (227,000,000)	$ (266,000,000)

Leases (Narrative) (Details)

Leases (Narrative) (Details) $ in Millions	3 Months Ended
	Mar. 31, 2023 USD ($) branch	Mar. 31, 2022 USD ($)	Dec. 31, 2022 USD ($)
Leases [Abstract]
Number of branches | branch	412
Number of branches owned | branch	277
Number of branches leased | branch	135
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other assets		Other assets
Finance Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Premises, equipment and software, net		Premises, equipment and software, net
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities		Other liabilities
Finance Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Long-term debt		Long-term debt
Operating lease income | $	$ 3	$ 3
Sales-type or direct financing leases | $	385		$ 386
Sales-type or direct financing leases income | $	$ 4	$ 3

Leases (Assets and Liabilities)

Leases (Assets and Liabilities) (Details) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Leases [Abstract]
ROU assets, net of amortization	$ 174	$ 173
Lease liabilities	199	198
ROU assets, net of amortization	3	4
Finance lease obligations	$ 4	$ 4
Weighted average remaining lease term, operating leases	8 years 7 months 6 days	8 years 4 months 24 days
Weighted average remaining lease term, finance leases	17 years 1 month 6 days	17 years 4 months 24 days
Weighted average discount rate, operating leases	3%	2.90%
Weighted average discount rate, finance leases	3.10%	3.10%

Leases (Components of Lease Exp

Leases (Components of Lease Expense) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Leases [Abstract]
Operating lease expense	$ 11	$ 12
Other expenses associated with operating leases	15	12
Total lease expense	26	24
Related cash disbursements from operating leases	$ 12	$ 12

Leases (Maturities Analysis) (D

Leases (Maturities Analysis) (Details) $ in Millions	Mar. 31, 2023 USD ($)
Leases [Abstract]
2023	$ 35
2024	39
2025	31
2026	26
2027	17
Thereafter	85
Total	$ 233

Long-Term Debt and Shareholde_3

Long-Term Debt and Shareholders' Equity (Long-term Debt) (Details) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Debt And Equity [Abstract]
Subordinated notes 1	$ 531	$ 519
Senior notes	128	128
Finance lease obligations	4	4
Total	$ 663	$ 651

Long-Term Debt and Shareholde_4

Long-Term Debt and Shareholders' Equity (Shareholders' Equity Narrative) (Details) - USD ($) $ / shares in Units, shares in Millions, $ in Millions	3 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
Debt And Equity [Abstract]
Shares outstanding (in shares)	148.1
Common stock, par value (in dollars per share)	$ 0.001	$ 0.001
Common stock and additional paid-in capital	$ 1,700
Common stock and additional paid-in capital change	$ 39
Common stock and additional paid-in capital percentage change	2%
Common stock repurchased (in shares)	0.9
Fair value of stock repurchased	$ 50
Average price per share of stock repurchased (in dollars per share)	$ 52.82
Accumulated other comprehensive income (loss)	$ (2,920)	$ (3,112)

Long-Term Debt and Shareholde_5

Long-Term Debt and Shareholders' Equity (Changes In Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	$ 4,893	$ 7,463
OCI before reclassifications, net of tax	155	(1,256)
Amounts reclassified from AOCI, net of tax	37	(10)
Total other comprehensive income (loss), net of tax	192	(1,266)
Balance at end of period	5,184	6,294
Income tax (benefit) expense included in other comprehensive income (loss)	63	(410)
Total
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	(3,112)	(80)
Balance at end of period	(2,920)	(1,346)
Net unrealized gains/(losses) on investment securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	(2,800)	(78)
OCI before reclassifications, net of tax	126	(1,121)
Amounts reclassified from AOCI, net of tax	0	0
Total other comprehensive income (loss), net of tax	126	(1,121)
Balance at end of period	(2,674)	(1,199)
Income tax (benefit) expense included in other comprehensive income (loss)	41	(363)
Net unrealized gains/(losses) on derivatives and other
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	(311)	0
OCI before reclassifications, net of tax	29	(135)
Amounts reclassified from AOCI, net of tax	37	(10)
Total other comprehensive income (loss), net of tax	66	(145)
Balance at end of period	(245)	(145)
Income tax (benefit) expense included in other comprehensive income (loss)	22	(47)
Pension and post-retirement
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	(1)	(2)
OCI before reclassifications, net of tax	0	0
Amounts reclassified from AOCI, net of tax	0	0
Total other comprehensive income (loss), net of tax	0	0
Balance at end of period	(1)	(2)
Income tax (benefit) expense included in other comprehensive income (loss)	$ 0	$ 0

Long-Term Debt and Shareholde_6

Long-Term Debt and Shareholders' Equity (Amounts Reclassified from AOCI) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Accumulated Other Comprehensive Income (Loss) [Line Items]
Interest and fees on loans	$ 726	$ 437
Less: Income tax expense (benefit)	78	52
Net income	204	203
Net unrealized gains/(losses) on derivatives and other | Amounts reclassified from AOCI
Accumulated Other Comprehensive Income (Loss) [Line Items]
Interest and fees on loans	(49)	14
Less: Income tax expense (benefit)	(12)	4
Net income	$ (37)	$ 10

Commitments, Guarantees, and _3

Commitments, Guarantees, and Contingent Liabilities (Schedule of Off Balance Sheet Financial Instruments) (Details) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Unfunded lending commitments	$ 29,907	$ 29,628
Commercial letters of credit	14	11
Mortgage-backed security purchase agreement	47	23
Total unfunded lending commitments	30,770	30,513
Financial
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Standby letters of credit	633	667
Performance
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Standby letters of credit	$ 169	$ 184

Commitments, Guarantees, and _4

Commitments, Guarantees, and Contingent Liabilities (Narrative) (Details) $ in Millions	3 Months Ended
	Mar. 31, 2023 USD ($) case lawsuit
Guarantor Obligations [Line Items]
Number of civil cases	2
Loss contingency, new claims filed, number	5
Loss contingency, claims dismissed, number	4
Number of class action lawsuits | lawsuit	2
Minimum
Guarantor Obligations [Line Items]
Estimate of possible losses | $	$ 0
Maximum
Guarantor Obligations [Line Items]
Estimate of possible losses | $	$ 5

Revenue Recognition (Details)

Revenue Recognition (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	$ 124	$ 124
Other noninterest income (non-ASC 606 customer-related)	27	27
Total customer-related noninterest income	151	151
Other noncustomer-related noninterest income	9	(9)
Total noninterest income	160	142
Net interest income	679	544
Total net revenue	$ 839	686
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	80%
Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	$ 43	41
Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	36	36
Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	16	19
Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1
Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	13	13
Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	15	14
Other
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	8	11
Other noninterest income (non-ASC 606 customer-related)	5	3
Total customer-related noninterest income	13	14
Other noncustomer-related noninterest income	2	(11)
Total noninterest income	15	3
Net interest income	38	11
Total net revenue	53	14
Other | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0
Other | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	(1)	1
Other | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	(1)	0
Other | Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1
Other | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0
Other | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	9	9
Zions Bank | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	40	42
Other noninterest income (non-ASC 606 customer-related)	7	4
Total customer-related noninterest income	47	46
Other noncustomer-related noninterest income	3	0
Total noninterest income	50	46
Net interest income	185	157
Total net revenue	235	203
Zions Bank | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	14	15
Zions Bank | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	13	13
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)	5	6
Zions Bank | Operating Segments | Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0
Zions Bank | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	6	6
Zions Bank | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	2
CB&T | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	17	17
Other noninterest income (non-ASC 606 customer-related)	5	6
Total customer-related noninterest income	22	23
Other noncustomer-related noninterest income	2	1
Total noninterest income	24	24
Net interest income	160	129
Total net revenue	184	153
CB&T | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	7	7
CB&T | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	5	5
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)	3	3
CB&T | Operating Segments | Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	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)	1	1
CB&T | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1
Amegy | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	31	28
Other noninterest income (non-ASC 606 customer-related)	8	9
Total customer-related noninterest income	39	37
Other noncustomer-related noninterest income	2	0
Total noninterest income	41	37
Net interest income	124	112
Total net revenue	165	149
Amegy | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	14	11
Amegy | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	8	8
Amegy | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	3	4
Amegy | Operating Segments | Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0
Amegy | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	4	4
Amegy | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	1
NBAZ | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	9	9
Other noninterest income (non-ASC 606 customer-related)	1	1
Total customer-related noninterest income	10	10
Other noncustomer-related noninterest income	0	1
Total noninterest income	10	11
Net interest income	64	51
Total net revenue	74	62
NBAZ | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	2
NBAZ | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	4	4
NBAZ | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	2
NBAZ | Operating Segments | Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0
NBAZ | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1
NBAZ | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0
NSB | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	11	10
Other noninterest income (non-ASC 606 customer-related)	0	2
Total customer-related noninterest income	11	12
Other noncustomer-related noninterest income	0	0
Total noninterest income	11	12
Net interest income	51	37
Total net revenue	62	49
NSB | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	3	3
NSB | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	4	3
NSB | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	3	3
NSB | Operating Segments | Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0
NSB | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1
NSB | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0
Vectra | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	6	6
Other noninterest income (non-ASC 606 customer-related)	1	2
Total customer-related noninterest income	7	8
Other noncustomer-related noninterest income	0	0
Total noninterest income	7	8
Net interest income	41	33
Total net revenue	48	41
Vectra | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	2
Vectra | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	2
Vectra | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1
Vectra | Operating Segments | Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0
Vectra | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0
Vectra | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1
TCBW | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	1
Other noninterest income (non-ASC 606 customer-related)	0	0
Total customer-related noninterest income	2	1
Other noncustomer-related noninterest income	0	0
Total noninterest income	2	1
Net interest income	16	14
Total net revenue	18	15
TCBW | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1
TCBW | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	0
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
TCBW | Operating Segments | Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	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
TCBW | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	$ 0	$ 0

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Billions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Income Tax Disclosure [Abstract]
Effective income tax rate	27.70%	20.40%
Deferred tax assets	$ 1.1

Net Earnings Per Common Share -

Net Earnings Per Common Share - Basic and Diluted Net Earnings Per Common Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Basic:
Net income	$ 204	$ 203
Less common and preferred dividends	67	66
Undistributed earnings	137	137
Less undistributed earnings applicable to nonvested shares	1	1
Undistributed earnings applicable to common shares	136	136
Distributed earnings applicable to common shares	61	57
Total earnings applicable to common shares	$ 197	$ 193
Weighted average common shares outstanding (in shares)	148,015	151,285
Net earnings per common share (in dollars per share)	$ 1.33	$ 1.27
Diluted:
Dilutive effect of stock options (in shares)	23	402
Weighted average diluted common shares outstanding (in shares)	148,038	151,687
Net earnings per common share (in dollars per share)	$ 1.33	$ 1.27

Net Earnings Per Common Share_2

Net Earnings Per Common Share - Stock Awards that were Anti-Dilutive (Details) - shares shares in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
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)	1,334	1,339
Stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share (in shares)	1,230	109

Operating Segment Information_2

Operating Segment Information (Details) $ in Millions	3 Months Ended
	Mar. 31, 2023 USD ($) branch segment	Mar. 31, 2022 USD ($)
Segment Reporting Information [Line Items]
Number of bank operating segments | segment	7
Number of branches | branch	412
Net interest income	$ 679	$ 544
Provision for credit losses	45	(33)
Net interest income after provision for credit losses	634	577
Total noninterest income	160	142
Total noninterest expense	512	464
Income before income taxes	282	255
Total average loans	56,153	50,933
Total average deposits	70,156	81,605
Other
Segment Reporting Information [Line Items]
Net interest income	38	11
Provision for credit losses	2	1
Net interest income after provision for credit losses	36	10
Total noninterest income	15	3
Total noninterest expense	60	58
Income before income taxes	(9)	(45)
Total average loans	1,144	896
Total average deposits	2,031	1,335
Zions Bank | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	185	157
Provision for credit losses	24	(2)
Net interest income after provision for credit losses	161	159
Total noninterest income	50	46
Total noninterest expense	135	123
Income before income taxes	76	82
Total average loans	13,978	12,817
Total average deposits	20,953	26,120
CB&T | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	160	129
Provision for credit losses	0	6
Net interest income after provision for credit losses	160	123
Total noninterest income	24	24
Total noninterest expense	92	84
Income before income taxes	92	63
Total average loans	14,016	12,845
Total average deposits	14,644	16,468
Amegy | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	124	112
Provision for credit losses	11	(27)
Net interest income after provision for credit losses	113	139
Total noninterest income	41	37
Total noninterest expense	98	86
Income before income taxes	56	90
Total average loans	12,844	11,795
Total average deposits	13,287	16,413
NBAZ | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	64	51
Provision for credit losses	(1)	(4)
Net interest income after provision for credit losses	65	55
Total noninterest income	10	11
Total noninterest expense	47	40
Income before income taxes	28	26
Total average loans	5,150	4,774
Total average deposits	7,179	7,953
NSB | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	51	37
Provision for credit losses	4	(3)
Net interest income after provision for credit losses	47	40
Total noninterest income	11	12
Total noninterest expense	41	37
Income before income taxes	17	15
Total average loans	3,327	2,817
Total average deposits	6,972	7,437
Vectra | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	41	33
Provision for credit losses	3	(4)
Net interest income after provision for credit losses	38	37
Total noninterest income	7	8
Total noninterest expense	33	30
Income before income taxes	12	15
Total average loans	3,983	3,398
Total average deposits	3,707	4,298
TCBW | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	16	14
Provision for credit losses	2	0
Net interest income after provision for credit losses	14	14
Total noninterest income	2	1
Total noninterest expense	6	6
Income before income taxes	10	9
Total average loans	1,711	1,591
Total average deposits	$ 1,383	$ 1,581
Utah | Zions Bank
Segment Reporting Information [Line Items]
Number of branches | branch	95
Idaho | Zions Bank
Segment Reporting Information [Line Items]
Number of branches | branch	25
Wyoming | Zions Bank
Segment Reporting Information [Line Items]
Number of branches | branch	1
Texas | Amegy
Segment Reporting Information [Line Items]
Number of branches | branch	75
California | CB&T
Segment Reporting Information [Line Items]
Number of branches | branch	77
Arizona | NBAZ
Segment Reporting Information [Line Items]
Number of branches | branch	56
Nevada | NSB
Segment Reporting Information [Line Items]
Number of branches | branch	46
Colorado | Vectra
Segment Reporting Information [Line Items]
Number of branches | branch	33
New Mexico | Vectra
Segment Reporting Information [Line Items]
Number of branches | branch	1
Washington | TCBW
Segment Reporting Information [Line Items]
Number of branches | branch	2
Oregon | TCBW
Segment Reporting Information [Line Items]
Number of branches | branch	1