Zions Bancorporation, National Association (ZION) 10-Q 3 Nov 23 2023 Q3 Quarterly report Financial data

Cover

Cover - shares	9 Months Ended
	Sep. 30, 2023	Oct. 31, 2023
Document Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 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	844-8208
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		148,148,799
Amendment Flag	false
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q3
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	Sep. 30, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 700	$ 657
Money market investments:
Interest-bearing deposits	1,704	1,340
Federal funds sold and securities purchased under agreements to resell	1,427	2,426
Investment securities:
Held-to-maturity, at amortized cost (fair value: $10,049 and $11,239)	10,559	11,126
Available-for-sale, at fair value	10,148	11,915
Trading, at fair value	31	465
Total investment securities	20,738	23,506
Loans held for sale	41	8
Loans and leases, net of unearned income and fees	56,893	55,653
Less allowance for loan and lease losses	681	575
Loans held for investment, net of allowance	56,212	55,078
Other noninterest-bearing investments	929	1,130
Premises, equipment and software, net	1,410	1,408
Goodwill and intangibles	1,060	1,065
Other real estate owned	7	3
Other assets	3,041	2,924
Total assets	87,269	89,545
Deposits:
Noninterest-bearing demand	26,733	35,777
Interest-bearing:
Savings and money market	37,090	33,566
Time	11,576	2,309
Total deposits	75,399	71,652
Federal funds and other short-term borrowings	4,346	10,417
Long-term debt	540	651
Reserve for unfunded lending commitments	57	61
Other liabilities	1,612	1,871
Total liabilities	81,954	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 148,146 and 148,664 shares) and additional paid-in capital	1,726	1,754
Retained earnings	6,157	5,811
Accumulated other comprehensive income (loss)	(3,008)	(3,112)
Total shareholders’ equity	5,315	4,893
Total liabilities and shareholders’ equity	$ 87,269	$ 89,545

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Investment securities:
Held-to-maturity, Estimated fair value	$ 10,049	$ 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)	148,146,000	148,664,000
Common stock, outstanding shares (in shares)	148,146,000	148,664,000

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Interest income:
Interest and fees on loans	$ 831	$ 551	$ 2,348	$ 1,456
Interest on money market investments	35	24	140	42
Interest on securities	144	132	419	372
Total interest income	1,010	707	2,907	1,870
Interest expense:
Interest on deposits	366	19	668	32
Interest on short- and long-term borrowings	59	25	384	38
Total interest expense	425	44	1,052	70
Net interest income	585	663	1,855	1,800
Provision for credit losses:
Provision for loan and lease losses	44	60	136	70
Provision for unfunded lending commitments	(3)	11	(4)	9
Total provision for credit losses	41	71	132	79
Net interest income after provision for credit losses	544	592	1,723	1,721
Noninterest income:
Commercial account fees	43	40	131	118
Card fees	26	27	75	77
Retail and business banking fees	17	17	49	57
Loan-related fees and income	23	18	63	61
Capital markets fees	18	25	62	61
Wealth management fees	15	14	44	41
Other customer-related fees	15	15	46	46
Customer-related noninterest income	157	156	470	461
Fair value and nonhedge derivative income	7	4	5	20
Dividends and other income (loss)	12	(1)	49	8
Securities gains (losses), net	4	6	5	(10)
Total noninterest income	180	165	529	479
Noninterest expense:
Salaries and employee benefits	311	312	974	931
Technology, telecom, and information processing	62	53	175	158
Occupancy and equipment, net	42	38	122	112
Professional and legal services	16	14	45	42
Marketing and business development	10	11	35	28
Deposit insurance and regulatory expense	20	13	60	36
Credit-related expense	6	8	19	22
Other real estate expense, net	0	0	0	1
Other	29	30	86	77
Total noninterest expense	496	479	1,516	1,407
Income before income taxes	228	278	736	793
Income taxes	53	61	182	170
Net income	175	217	554	623
Preferred stock dividends	(7)	(6)	(22)	(22)
Net earnings applicable to common shareholders	$ 168	$ 211	$ 532	$ 601
Weighted average common shares outstanding during the period:
Basic shares (in shares)	147,648	149,628	147,784	150,510
Diluted shares (in shares)	147,653	149,792	147,794	150,766
Earnings Per Share [Abstract]
Basic (in dollars per share)	$ 1.13	$ 1.40	$ 3.57	$ 3.96
Diluted (in dollars per share)	$ 1.13	$ 1.40	$ 3.57	$ 3.96

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Millions		3 Months Ended		9 Months Ended
		Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Statement of Comprehensive Income [Abstract]
Net income for the period		$ 175	$ 217	$ 554	$ 623
Other comprehensive income (loss), net of tax:
Net unrealized holding gains (losses) on investment securities	[1]	(105)	(909)	(11)	(2,729)
Net unrealized gains (losses) on other noninterest-bearing investments		1	(1)	1	(2)
Net unrealized holding gains (losses) on derivative instruments		(6)	(138)	15	(322)
Reclassification adjustment for decrease (increase) in interest income recognized in earnings on derivative instruments		32	8	99	(7)
Total other comprehensive income (loss), net of tax		(78)	(1,040)	104	(3,060)
Comprehensive income (loss)		$ 97	$ (823)	$ 658	$ (2,437)
[1]For the three and nine months ended September 30, 2023, the amounts include $160 million and $169 million related to the decline in the fair value of fixed-rate AFS securities as a result of higher interest rates, offset by $55 million and $158 million in unrealized loss amortization associated with the securities transferred from AFS to HTM during the fourth quarter of 2022, respectively.

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income (Loss) (Parenthetical) - USD ($) $ in Millions	3 Months Ended	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2023
Statement of Comprehensive Income [Abstract]
Decline in fair value of fixed-rate AFS	$ 160	$ 169
Increase in amortization of discount	$ 55	$ 158

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	623					623
Other comprehensive income (loss), net of tax	(3,060)							(3,060)
Bank common stock repurchased (in shares)				(2,602,000)
Bank common stock repurchased	(151)				(151)
Net activity under employee plans and related tax benefits (in shares)				588,000
Net activity under employee plans and related tax benefits	22				22
Dividends on preferred stock	(22)					(22)
Dividends on common stock	(178)					(178)
Change in deferred compensation	(1)					(1)
Balance at end of period at Sep. 30, 2022	4,696		440	$ 0	1,799	5,597		(3,140)
Balance at end of period (in shares) at Sep. 30, 2022				149,611,000
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]
Cumulative effect adjustment, due to adoption of ASU 2022-02, net of tax	Accounting Standards Update 2022-02 [Member]
Balance at end of period at Dec. 31, 2022	$ 4,893	$ (2)	440	$ 0	1,754	5,811	$ (2)	(3,112)
Balance at end of period (in shares) at Dec. 31, 2022	148,664,000			148,664,000
Balance at beginning of period at Jun. 30, 2022	$ 5,632		440	$ 0	1,845	5,447		(2,100)
Balance at beginning of period (in shares) at Jun. 30, 2022				150,471,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income for the period	217					217
Other comprehensive income (loss), net of tax	(1,040)							(1,040)
Bank common stock repurchased (in shares)				(888,000)
Bank common stock repurchased	(50)				(50)
Net activity under employee plans and related tax benefits (in shares)				28,000
Net activity under employee plans and related tax benefits	4				4
Dividends on preferred stock	(6)					(6)
Dividends on common stock	(61)					(61)
Balance at end of period at Sep. 30, 2022	4,696		440	$ 0	1,799	5,597		(3,140)
Balance at end of period (in shares) at Sep. 30, 2022				149,611,000
Balance at beginning of period at Dec. 31, 2022	$ 4,893	$ (2)	440	$ 0	1,754	5,811	$ (2)	(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	$ 554					554
Other comprehensive income (loss), net of tax	104							104
Bank common stock repurchased (in shares)				(953,000)
Bank common stock repurchased	(50)				(50)
Net activity under employee plans and related tax benefits (in shares)				435,000
Net activity under employee plans and related tax benefits	22				22
Dividends on preferred stock	(22)					(22)
Dividends on common stock	(184)					(184)
Change in deferred compensation	(4)					(4)
Balance at end of period at Sep. 30, 2023	$ 5,315		440	$ 0	1,726	6,157		(3,008)
Balance at end of period (in shares) at Sep. 30, 2023	148,146,000			148,146,000
Balance at beginning of period at Jun. 30, 2023	$ 5,283		440	$ 0	1,722	6,051		(2,930)
Balance at beginning of period (in shares) at Jun. 30, 2023				148,144,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income for the period	175					175
Other comprehensive income (loss), net of tax	(78)							(78)
Net activity under employee plans and related tax benefits (in shares)				2,000
Net activity under employee plans and related tax benefits	4				4
Dividends on preferred stock	(7)					(7)
Dividends on common stock	(61)					(61)
Change in deferred compensation	(1)					(1)
Balance at end of period at Sep. 30, 2023	$ 5,315		$ 440	$ 0	$ 1,726	$ 6,157		$ (3,008)
Balance at end of period (in shares) at Sep. 30, 2023	148,146,000			148,146,000

Consolidated Statements of Ch_2

Consolidated Statements of Changes In Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Statement of Stockholders' Equity [Abstract]
Dividends on common stock (in dollars per share)	$ 0.41	$ 0.41	$ 1.23	$ 1.17

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 554	$ 623
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	132	79
Depreciation and amortization	108	79
Share-based compensation	28	25
Deferred income tax expense	21	15
Net decrease (increase) in trading securities	434	(154)
Net decrease (increase) in loans held for sale	(10)	51
Change in other liabilities	(260)	745
Change in other assets	74	(467)
Other, net	49	(20)
Net cash provided by operating activities	1,130	976
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease in money market investments	636	8,328
Proceeds from maturities and paydowns of investment securities held-to-maturity	811	250
Purchases of investment securities held-to-maturity	(40)	(232)
Proceeds from sales, maturities, and paydowns of investment securities available-for-sale	1,846	2,743
Purchases of investment securities available-for-sale	(484)	(5,829)
Net change in loans and leases	(1,241)	(3,026)
Purchases and sales of other noninterest-bearing investments	207	(147)
Purchases of premises and equipment	(84)	(154)
Other, net	(19)	21
Net cash provided by investing activities	1,632	1,954
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in deposits	3,747	(6,794)
Net change in short-term borrowed funds	(6,071)	4,461
Redemption of long-term debt	(128)	(290)
Proceeds from the issuance of common stock	2	8
Dividends paid on common and preferred stock	(211)	(200)
Bank common stock repurchased	(50)	(151)
Other, net	(8)	(10)
Net cash used in financing activities	(2,719)	(2,976)
Net increase (decrease) in cash and due from banks	43	(46)
Cash and due from banks at beginning of period	657	595
Cash and due from banks at end of period	700	549
Cash paid for interest	913	63
Net cash paid for income taxes	233	5
Noncash activities:
Loans held for investment reclassified to loans held for sale, net	$ 67	$ 100

Basis of Presentation

Basis of Presentation	9 Months Ended
	Sep. 30, 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 and nine months ended September 30, 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 September 30, 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. 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	9 Months Ended
	Sep. 30, 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 ASU 2022-02, Financial Instruments—Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures This ASU eliminated the recognition and measurement requirements for troubled debt restructurings (“TDRs”) for creditors that have adopted ASC 326 (“CECL”), eliminated certain TDR disclosures, and required enhanced disclosures about loan modifications for borrowers experiencing financial difficulty. The new standard also required 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 a modified retrospective basis on January 1, 2023. It did not have a material impact on our financial statements.

Fair Value

Fair Value	9 Months Ended
	Sep. 30, 2023
Fair Value Disclosures [Abstract]
FAIR VALUE	FAIR VALUE 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. Fair Value Hierarchy The following schedule presents assets and liabilities measured at fair value on a recurring basis: (In millions) September 30, 2023 Level 1 Level 2 Level 3 Total ASSETS Available-for-sale securities: U.S. Treasury, agencies, and corporations $ 460 $ 8,367 $ — $ 8,827 Municipal securities 1,297 1,297 Other debt securities 24 24 Total available-for-sale 460 9,688 — 10,148 Trading securities 31 31 Other noninterest-bearing investments: Bank-owned life insurance 551 551 Private equity investments 1 3 89 92 Other assets: Agriculture loan servicing 17 17 Deferred compensation plan assets 116 116 Derivatives 628 628 Total assets $ 579 $ 10,898 $ 106 $ 11,583 LIABILITIES Securities sold, not yet purchased $ 34 $ — $ — $ 34 Other liabilities: Derivatives 512 512 Total liabilities $ 34 $ 512 $ — $ 546 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 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 financial instruments include PEIs and agriculture loan servicing. 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 Nine Months Ended September 30, 2023 September 30, 2022 September 30, 2023 September 30, 2022 (In millions) Private equity investments Ag loan servicing Private equity investments Ag loan servicing Private equity investments Ag loan servicing Private equity investments Ag loan servicing Balance at beginning of period $ 84 $ 17 $ 77 $ 12 $ 81 $ 14 $ 66 $ 12 Unrealized securities gains (losses), net 2 — 2 — (1) — 7 — Other noninterest income (expense) — — — — — 4 — — Purchases 3 — 2 — 9 (1) 11 — Cost of investments sold — — — — — — (3) — Transfers out 1 — — — — — — — — Balance at end of period $ 89 $ 17 $ 81 $ 12 $ 89 $ 17 $ 81 $ 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 Nine Months Ended September 30, 2023 September 30, 2022 September 30, 2023 September 30, 2022 Securities gains (losses), net $ — $ — $ — $ (2) Nonrecurring Fair Value Measurements Certain assets and liabilities may be measured 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 September 30, 2023, we had $1 million of collateral-dependent loans classified in Level 2, and we recognized $2 million of losses from fair value changes related to these loans. At December 31, 2022, we had an insignificant amount 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: September 30, 2023 December 31, 2022 (In millions) Carrying Fair value Level Carrying Fair value Level Financial assets: Held-to-maturity investment securities $ 10,559 $ 10,049 2 $ 11,126 $ 11,239 2 Loans and leases (including loans held for sale), net of allowance 56,253 53,372 3 55,086 53,093 3 Financial liabilities: Time deposits 11,576 11,519 2 2,309 2,269 2 Long-term debt 540 475 2 651 635 2 The previous schedule 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	9 Months Ended
	Sep. 30, 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. September 30, 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 $ 1,427 $ — $ 1,427 $ — $ — $ 1,427 Derivatives (included in other assets) 628 — 628 (2) (621) 5 Total assets $ 2,055 $ — $ 2,055 $ (2) $ (621) $ 1,432 Liabilities: Federal funds and other short-term borrowings $ 4,346 $ — $ 4,346 $ — $ — $ 4,346 Derivatives (included in other liabilities) 512 — 512 (2) (1) 509 Total liabilities $ 4,858 $ — $ 4,858 $ (2) $ (1) $ 4,855 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	9 Months Ended
	Sep. 30, 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 measured 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 either a premium or discount to the amortized cost basis of the HTM securities. The amortization of unrealized losses reported in accumulated other comprehensive income (“AOCI”) will offset the effect of the amortization of the premium or discount in interest income that is created by the transfer. AFS securities are measured 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 measured 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 $60 million and $75 million at September 30, 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. 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. 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 attributable to these securities. The amortization of the unrealized losses will offset the effect of the accretion of the discount created by the transfer. At September 30, 2023, the unamortized discount on the HTM securities totaled approximately $2.2 billion ($1.6 billion after tax). The following schedule presents the amortized cost and estimated fair values of our HTM and AFS securities: September 30, 2023 (In millions) Amortized Gross unrealized gains 1 Gross unrealized losses Estimated Held-to-maturity U.S. Government agencies and corporations: Agency securities $ 94 $ — $ 8 $ 86 Agency guaranteed mortgage-backed securities 10,106 — 469 9,637 Municipal securities 359 — 33 326 Total held-to-maturity 10,559 — 510 10,049 Available-for-sale U.S. Treasury securities 585 — 125 460 U.S. Government agencies and corporations: Agency securities 692 — 47 645 Agency guaranteed mortgage-backed securities 8,739 — 1,595 7,144 Small Business Administration loan-backed securities 606 — 28 578 Municipal securities 1,431 — 134 1,297 Other debt securities 25 — 1 24 Total available-for-sale 12,078 — 1,930 10,148 Total HTM and AFS investment securities $ 22,637 $ — $ 2,440 $ 20,197 1 Gross unrealized gains for the respective security categories were individually less than $1 million. 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 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 Maturities The following schedule presents the amortized cost and weighted average yields of debt securities by contractual maturity of principal payments at September 30, 2023. This schedule does not reflect the duration of the portfolio, which would incorporate amortization, expected prepayments, interest rate resets, and fair value hedges; the effects of which result in measured durations shorter than contractual maturities. September 30, 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 $ 94 3.54 % $ — — % $ — — % $ — — % $ 94 3.54 % Agency guaranteed mortgage-backed securities 10,106 1.85 — — — — 46 1.95 10,060 1.85 Municipal securities 1 359 3.17 26 2.77 129 2.96 169 3.40 35 3.10 Total held-to-maturity securities 10,559 1.91 26 2.77 129 2.96 215 3.09 10,189 1.87 Available-for-sale U.S. Treasury securities 585 3.28 184 5.31 — — — — 401 2.35 U.S. Government agencies and corporations: Agency securities 692 2.66 111 0.95 184 3.13 210 2.70 187 3.15 Agency guaranteed mortgage-backed securities 8,739 2.01 4 3.09 199 1.57 1,459 2.12 7,077 2.00 Small Business Administration loan-backed securities 606 5.37 1 3.96 28 6.08 141 4.35 436 5.66 Municipal securities 1 1,431 2.18 125 2.50 469 2.61 698 1.84 139 2.10 Other debt securities 25 8.74 — — — — 10 9.50 15 8.23 Total available-for-sale securities 12,078 2.31 425 3.32 880 2.59 2,518 2.24 8,255 2.25 Total HTM and AFS investment securities $ 22,637 2.12 % $ 451 3.29 % $ 1,009 2.64 % $ 2,733 2.31 % $ 18,444 2.04 % 1 The yields on tax-exempt securities are calculated on a tax-equivalent basis. The following schedule presents gross unrealized losses for AFS securities and the estimated fair value by length of time the securities have been in an unrealized loss position. September 30, 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 $ — $ — $ 125 $ 276 $ 125 $ 276 U.S. Government agencies and corporations: Agency securities — 1 47 621 47 622 Agency guaranteed mortgage-backed securities 89 305 1,506 6,779 1,595 7,084 Small Business Administration loan-backed securities — 24 28 490 28 514 Municipal securities 6 229 128 1,050 134 1,279 Other — — 1 14 1 14 Total available-for-sale investment securities $ 95 $ 559 $ 1,835 $ 9,230 $ 1,930 $ 9,789 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 September 30, 2023 and December 31, 2022, approximately 3,129 and 3,562 AFS investment securities were in an unrealized loss position, respectively. Impairment On a quarterly basis, we review our investment securities portfolio for the presence of impairment on an individual security basis. 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 nine 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 September 30, 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 measured at amortized cost. At September 30, 2023, the ACL on HTM securities was less than $1 million, all HTM securities were risk-graded as “ Pass ” in terms of credit quality, and none were considered past due. Securities Gains and Losses Recognized in Income The following schedule presents securities gains and losses recognized in the consolidated income statement. Three Months Ended September 30, Nine Months Ended September 30, 2023 2022 2023 2022 (In millions) Gross gains Gross losses Gross gains Gross losses Gross gains Gross losses Gross gains Gross losses Available-for-sale $ — $ — $ — $ — $ 72 $ 73 $ — $ — Trading 1 1 — — 11 10 — — Other noninterest-bearing investments 6 2 6 — 19 14 10 20 Total gains 7 3 6 — 102 97 10 20 Net gains (losses) 1 $ 4 $ 6 $ 5 $ (10) 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 September 30, 2023 2022 (In millions) Taxable Nontaxable Total Taxable Nontaxable Total Investment securities: Held-to-maturity $ 58 $ 1 $ 59 $ 2 $ 1 $ 3 Available-for-sale 76 9 85 115 11 126 Trading — — — — 3 3 Total securities $ 134 $ 10 $ 144 $ 117 $ 15 $ 132 Nine Months Ended September 30, 2023 2022 (In millions) Taxable Nontaxable Total Taxable Nontaxable Total Investment securities: Held-to-maturity $ 178 $ 3 $ 181 $ 7 $ 3 $ 10 Available-for-sale 214 23 237 320 30 350 Trading — 1 1 — 12 12 Total securities $ 392 $ 27 $ 419 $ 327 $ 45 $ 372

Loans, Leases, and Allowance fo

Loans, Leases, and Allowance for Credit Losses	9 Months Ended
	Sep. 30, 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) September 30, December 31, Loans held for sale $ 41 $ 8 Commercial: Commercial and industrial 1 $ 16,341 $ 16,377 Leasing 373 386 Owner-occupied 9,273 9,371 Municipal 4,221 4,361 Total commercial 30,208 30,495 Commercial real estate: Construction and land development 2,575 2,513 Term 10,565 10,226 Total commercial real estate 13,140 12,739 Consumer: Home equity credit line 3,313 3,377 1-4 family residential 8,116 7,286 Construction and other consumer real estate 1,510 1,161 Bankcard and other revolving plans 475 471 Other 131 124 Total consumer 13,545 12,419 Total loans and leases $ 56,893 $ 55,653 1 Commercial and industrial loan balances include Paycheck Protection Program (“PPP”) loans of $106 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 $34 million and $49 million at September 30, 2023 and December 31, 2022, respectively. Amortized cost basis does not include accrued interest receivables of $290 million and $247 million at September 30, 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 $205 million at September 30, 2023 and $262 million at December 31, 2022. Loans with a carrying value of $37.2 billion at September 30, 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. At the time of origination, we determine the classification of loans as either held for investment or held for sale. Loans held for sale are measured at fair value or the lower of cost or fair value and primarily consist of (1) commercial real estate (“CRE”) loans that are sold into securitization entities, and (2) conforming residential mortgages that are generally sold to U.S. government agencies. The following schedule presents loans added to, or sold from, the held for sale category during the periods presented. Three Months Ended Nine Months Ended (In millions) 2023 2022 2023 2022 Loans added to held for sale $ 183 $ 96 $ 489 $ 583 Loans sold from held for sale 204 112 480 635 Occasionally, we have continuing involvement in the sold loans in the form of servicing rights or guarantees. The principal balance of sold loans for which we retain servicing was $3.4 billion and $3.5 billion at September 30, 2023 and December 31, 2022, respectively. During the third quarter of 2023, we sold the servicing rights related to $3.0 billion of mortgage loans, but retained sub-servicing through October 2023. Income from sold loans, excluding servicing, was $8 million and $15 million for the three and nine months ended September 30, 2023, and $2 million and $12 million for the three and nine months ended September 30, 2022, respectively. The increase in income from sold loans during the third quarter of 2023 was primarily due to a $4 million gain on the sale of certain mortgage servicing rights. 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 measured 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 September 30, 2023 (In millions) Commercial Commercial Consumer Total Allowance for loan losses Balance at beginning of period $ 323 $ 181 $ 147 $ 651 Provision for loan losses 3 44 (3) 44 Gross loan and lease charge-offs 12 3 5 20 Recoveries 5 — 1 6 Net loan and lease charge-offs (recoveries) 7 3 4 14 Balance at end of period $ 319 $ 222 $ 140 $ 681 Reserve for unfunded lending commitments Balance at beginning of period $ 20 $ 29 $ 11 $ 60 Provision for unfunded lending commitments 1 (1) (3) (3) Balance at end of period $ 21 $ 28 $ 8 $ 57 Total allowance for credit losses at end of period Allowance for loan losses $ 319 $ 222 $ 140 $ 681 Reserve for unfunded lending commitments 21 28 8 57 Total allowance for credit losses $ 340 $ 250 $ 148 $ 738 Nine Months Ended September 30, 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 37 73 26 136 Gross loan and lease charge-offs 35 3 11 49 Recoveries 17 — 5 22 Net loan and lease charge-offs (recoveries) 18 3 6 27 Balance at end of period $ 319 $ 222 $ 140 $ 681 Reserve for unfunded lending commitments Balance at beginning of period $ 16 $ 33 $ 12 $ 61 Provision for unfunded lending commitments 5 (5) (4) (4) Balance at end of period $ 21 $ 28 $ 8 $ 57 Total allowance for credit losses at end of period Allowance for loan losses $ 319 $ 222 $ 140 $ 681 Reserve for unfunded lending commitments 21 28 8 57 Total allowance for credit losses $ 340 $ 250 $ 148 $ 738 Three Months Ended September 30, 2022 (In millions) Commercial Commercial real estate Consumer Total Allowance for loan losses Balance at beginning of period $ 286 $ 114 $ 108 $ 508 Provision for loan losses 41 17 2 60 Gross loan and lease charge-offs 37 — 1 38 Recoveries 6 — 5 11 Net loan and lease charge-offs (recoveries) 31 — (4) 27 Balance at end of period $ 296 $ 131 $ 114 $ 541 Reserve for unfunded lending commitments Balance at beginning of period $ 13 $ 15 $ 10 $ 38 Provision for unfunded lending commitments 3 7 1 11 Balance at end of period $ 16 $ 22 $ 11 $ 49 Total allowance for credit losses at end of period Allowance for loan losses $ 296 $ 131 $ 114 $ 541 Reserve for unfunded lending commitments 16 22 11 49 Total allowance for credit losses $ 312 $ 153 $ 125 $ 590 Nine Months Ended September 30, 2022 (In millions) Commercial Commercial Consumer Total Allowance for loan losses Balance at beginning of period $ 311 $ 107 $ 95 $ 513 Provision for loan losses 29 24 17 70 Gross loan and lease charge-offs 65 — 8 73 Recoveries 21 — 10 31 Net loan and lease charge-offs (recoveries) 44 — (2) 42 Balance at end of period $ 296 $ 131 $ 114 $ 541 Reserve for unfunded lending commitments Balance at beginning of period $ 19 $ 11 $ 10 $ 40 Provision for unfunded lending commitments (3) 11 1 9 Balance at end of period $ 16 $ 22 $ 11 $ 49 Total allowance for credit losses at end of period Allowance for loan losses $ 296 $ 131 $ 114 $ 541 Reserve for unfunded lending commitments 16 22 11 49 Total allowance for credit losses $ 312 $ 153 $ 125 $ 590 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: September 30, 2023 Amortized cost basis Total amortized cost basis (In millions) with no allowance with allowance Related allowance Loans held for sale $ 17 $ — $ 17 $ — Commercial: Commercial and industrial $ 9 $ 50 $ 59 $ 16 Owner-occupied 18 9 27 1 Total commercial 27 59 86 17 Commercial real estate: Construction and land development 22 — 22 — Term 30 10 40 3 Total commercial real estate 52 10 62 3 Consumer: Home equity credit line 1 15 16 7 1-4 family residential 5 30 35 6 Total consumer loans 6 45 51 13 Total $ 85 $ 114 $ 199 $ 33 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 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 collectability 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 and nine months ended September 30, 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 Nine Months Ended (In millions) 2023 2022 2023 2022 Commercial $ 2 $ 3 $ 7 $ 11 Commercial real estate 2 1 2 1 Consumer — — 1 — Total $ 4 $ 4 $ 10 $ 12 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: September 30, 2023 (In millions) Current 30-89 days 90+ days Total Total Accruing Nonaccrual loans that are current 1 Commercial: Commercial and industrial $ 16,282 $ 45 $ 14 $ 59 $ 16,341 $ 3 $ 40 Leasing 373 — — — 373 — — Owner-occupied 9,254 6 13 19 9,273 11 24 Municipal 4,214 7 — 7 4,221 — — Total commercial 30,123 58 27 85 30,208 14 64 Commercial real estate: Construction and land development 2,568 5 2 7 2,575 — 21 Term 10,521 42 2 44 10,565 1 12 Total commercial real estate 13,089 47 4 51 13,140 1 33 Consumer: Home equity credit line 3,300 7 6 13 3,313 — 8 1-4 family residential 8,085 11 20 31 8,116 — 12 Construction and other consumer real estate 1,510 — — — 1,510 — — Bankcard and other revolving plans 472 2 1 3 475 1 — Other 130 1 — 1 131 — — Total consumer loans 13,497 21 27 48 13,545 1 20 Total $ 56,709 $ 126 $ 58 $ 184 $ 56,893 $ 16 $ 117 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 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 September 30, 2023 and December 31, 2022. For consumer loans and for 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. September 30, 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 $ 1,955 $ 2,775 $ 1,402 $ 681 $ 552 $ 639 $ 7,727 $ 177 $ 15,908 Special Mention 4 12 13 6 1 47 90 1 174 Accruing Substandard 2 64 7 2 19 8 96 2 200 Nonaccrual 4 5 2 2 11 2 31 2 59 Total commercial and industrial 1,965 2,856 1,424 691 583 696 7,944 182 16,341 Gross charge-offs 1 4 — — — — 7 — 12 Leasing Pass 62 140 52 35 50 32 — — 371 Special Mention — — — — — — — — — Accruing Substandard — 2 — — — — — — 2 Nonaccrual — — — — — — — — — Total leasing 62 142 52 35 50 32 — — 373 Gross charge-offs — — — — — — — — — Owner-occupied Pass 835 2,006 2,031 1,029 738 2,041 199 53 8,932 Special Mention 3 8 60 4 17 14 2 — 108 Accruing Substandard 4 39 41 18 18 81 5 — 206 Nonaccrual 1 — 1 12 3 10 — — 27 Total owner-occupied 843 2,053 2,133 1,063 776 2,146 206 53 9,273 Gross charge-offs — — — — — — — — — Municipal Pass 320 1,067 1,174 657 395 548 4 — 4,165 Special Mention 7 31 — — — — — — 38 Accruing Substandard — 7 6 3 1 1 — — 18 Nonaccrual — — — — — — — — — Total municipal 327 1,105 1,180 660 396 549 4 — 4,221 Gross charge-offs — — — — — — — — — Total commercial 3,197 6,156 4,789 2,449 1,805 3,423 8,154 235 30,208 Total commercial gross charge-offs 1 4 — — — — 7 — 12 Commercial real estate: Construction and land development Pass 431 787 469 171 8 5 465 121 2,457 Special Mention 6 — 52 — — — 11 — 69 Accruing Substandard — 10 — 17 — — — — 27 Nonaccrual — — — — 21 — 1 — 22 Total construction and land development 437 797 521 188 29 5 477 121 2,575 Gross charge-offs — — — — 1 — — — 1 Term Pass 1,303 2,511 1,975 1,569 854 1,569 235 165 10,181 Special Mention 55 56 12 42 46 8 4 — 223 Accruing Substandard 59 18 3 12 5 24 — — 121 Nonaccrual — 26 — — 3 11 — — 40 Total term 1,417 2,611 1,990 1,623 908 1,612 239 165 10,565 Gross charge-offs — 2 — — — — — — 2 Total commercial real estate 1,854 3,408 2,511 1,811 937 1,617 716 286 13,140 Total commercial real estate gross charge-offs — 2 — — 1 — — — 3 September 30, 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 — — — — — — 3,195 97 3,292 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 5 — 5 Nonaccrual — — — — — — 14 2 16 Total home equity credit line — — — — — — 3,214 99 3,313 Gross charge-offs — — — — — — 3 — 3 1-4 family residential Pass 722 2,083 1,719 1,002 605 1,948 — — 8,079 Special Mention — — — — — — — — — Accruing Substandard — — — — — 2 — — 2 Nonaccrual — 2 2 3 3 25 — — 35 Total 1-4 family residential 722 2,085 1,721 1,005 608 1,975 — — 8,116 Gross charge-offs — — — — — — — — — Construction and other consumer real estate Pass 140 1,016 314 22 10 7 — — 1,509 Special Mention — — — — — — — — — Accruing Substandard — — — — — 1 — — 1 Nonaccrual — — — — — — — — — Total construction and other consumer real estate 140 1,016 314 22 10 8 — — 1,510 Gross charge-offs — — — — — — — — — Bankcard and other revolving plans Pass — — — — — — 471 2 473 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 2 — 2 Nonaccrual — — — — — — — — — Total bankcard and other revolving plans — — — — — — 473 2 475 Gross charge-offs — — — — — — 2 — 2 Other consumer Pass 54 42 20 7 5 3 — — 131 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total other consumer 54 42 20 7 5 3 — — 131 Gross charge-offs — — — — — — — — — Total consumer 916 3,143 2,055 1,034 623 1,986 3,687 101 13,545 Total consumer gross charge-offs — — — — — — 5 — 5 Total loans $ 5,967 $ 12,707 $ 9,355 $ 5,294 $ 3,365 $ 7,026 $ 12,557 $ 622 $ 56,893 Total gross charge-offs $ 1 $ 6 $ — $ — $ 1 $ — $ 12 $ — $ 20 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 did not have a 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 generally remain on nonaccrual 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 on nonaccrual. There were less than $1 million of loans to borrowers experiencing financial difficulty that had a payment default during the three and nine months ended September 30, 2023, which were still in default at period end, and were within 12 months or less of being modified. 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: Three Months Ended September 30, 2023 Amortized cost associated with Interest Maturity Principal Payment Multiple modification types 1 Total 2 Percentage of total loans 3 Commercial: Commercial and industrial $ — $ 35 $ — $ 1 $ — $ 36 0.2 % Owner-occupied — 3 — — — 3 — Total commercial — 38 — 1 — 39 0.1 Commercial real estate: Construction and land development — — — — — — — Term — 83 — — — 83 0.8 Total commercial real estate — 83 — — — 83 0.6 Consumer: 1-4 family residential — — — — 1 1 — Bankcard and other revolving plans — — — — — — — Total consumer loans — — — — 1 1 — Total $ — $ 121 $ — $ 1 $ 1 $ 123 0.2 % Nine Months Ended September 30, 2023 Amortized cost associated with (Dollar amounts in millions) Interest Maturity Principal Payment Multiple modification types 1 Total 2 Percentage of total loans 3 Commercial: Commercial and industrial $ — $ 63 $ — $ 1 $ — $ 64 0.4 % Owner-occupied 4 8 — — — 12 0.1 Total commercial 4 71 — 1 — 76 0.3 Commercial real estate: Construction and land development — 23 — — — 23 0.9 Term — 141 — — — 141 1.3 Total commercial real estate — 164 — — — 164 1.2 Consumer: 1-4 family residential — — 1 — 1 2 — Bankcard and other revolving plans — 1 — — — 1 0.2 Total consumer loans — 1 1 — 1 3 — Total $ 4 $ 236 $ 1 $ 1 $ 1 $ 243 0.4 % 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 $10 million at September 30, 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 and nine months ended September 30, 2023, is summarized in the following schedule: Three Months Ended Nine Months Ended Weighted-average term extension Weighted-average interest rate reduction (in percentage points) Weighted-average term extension Commercial: Commercial and industrial 16 — % 12 Owner-occupied 2 4.4 13 Total commercial 14 4.4 12 Commercial real estate: Construction and land development 0 — 5 Term 21 — 17 Total commercial real estate 21 — 16 Consumer: 1 1-4 family residential 217 — 153 Bankcard and other revolving plans 0 — 63 Total consumer loans 217 — 117 Total weighted average financial impact 19 4.4 % 16 1 Primarily relates to a small number of loans within each consumer loan class. Loan modifications to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2023, resulted in less than $1 million of principal forgiveness for the total loan portfolio for both periods. 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 September 30, 2023, presented by portfolio segment and loan class. September 30, 2023 (In millions) Current 30-89 days 90+ days Total Total Commercial: Commercial and industrial $ 64 $ — $ — $ — $ 64 Owner-occupied 9 3 — 3 12 Total commercial 73 3 — 3 76 Commercial real estate: Construction and land development 23 — — — 23 Term 128 13 — 13 141 Total commercial real estate 151 13 — 13 164 Consumer: 1-4 family residential 2 — — — 2 Bankcard and other revolving plans 1 — — — 1 Total consumer loans 3 — — — 3 Total $ 227 $ 16 $ — $ 16 $ 243 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 related to 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

Derivative Instruments and Hedg

Derivative Instruments and Hedging Activities	9 Months Ended
	Sep. 30, 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. Cash receipts and payments from derivatives designated in qualifying hedging relationships are classified in the same category as the cash flows from the items being hedged in the statement of cash flows, and cash flows from undesignated derivatives are classified as operating activities. 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 – During the second quarter of 2023, we terminated our remaining receive-fixed interest rate swap with a notional amount of $500 million that had been designated in a qualifying fair value hedge relationship of fixed-rate debt. The receive-fixed interest rate swap effectively converted the interest on our fixed-rate debt to floating until it was terminated. Prior to termination, 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 on the following pages. The unamortized hedge basis adjustments resulting from the terminated hedging relationship will be amortized over the remaining life of the fixed-rate debt. Fair Value Hedges of Assets – During the third quarter of 2023, we entered into new hedges of a defined portfolio of fixed-rate commercial loans using pay-fixed, receive-floating swaps with an aggregate notional amount of $1.0 billion that were designated as fair value hedges under the portfolio layer method described in ASU 2022-01, Derivatives and Hedging (Topic 815): Fair Value Hedging—Portfolio Layer Method . At September 30, 2023, we also had pay-fixed, receive-floating interest rate swaps with an aggregate notional amount of $1.1 billion designated as fair value hedges of specifically identified AFS securities. Fair value hedges of fixed-rate assets effectively convert the fixed interest income to a floating rate on the hedged portion of the assets. Changes in fair value of derivatives designated as fair value hedges of fixed-rate financial assets were largely offset by changes in the value of the hedged assets, as shown in the schedules on the following pages. We had an additional $2.5 billion in aggregate notional amount of pay-fixed swaps designated under the portfolio layer method as fair value hedges of a defined portfolio of fixed-rate AFS securities. Cash Flow Hedges – At September 30, 2023, we had receive-fixed interest rate swaps with an aggregate notional amount of $2.6 billion designated as cash flow hedges of pools of floating-rate commercial loans. At September 30, 2023, there was $201 million of losses deferred in AOCI related to terminated cash flow hedges that are expected to be fully amortized by October 2027. Additionally, at September 30, 2023, we had one pay-fixed interest rate swap with a notional amount of $500 million designated as a cash flow hedge of the variability in the interest payments on certain FHLB advances. 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 or payments 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 more information on how we incorporate counterparty credit risk in derivative valuations, see Note 3 of our 2022 Form 10-K. For additional discussion of collateral and the associated 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, counterparties have not generally demanded that additional collateral be pledged when provided for by the contractual terms. At September 30, 2023, the fair value of our derivative liabilities was $512 million, for which we were required to pledge cash collateral of $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 September 30, 2023, there would likely be no additional collateral required to be pledged. Derivative Amounts The following schedule presents information regarding notional amounts and recorded gross fair values at September 30, 2023 and December 31, 2022, and the related gain (loss) of derivative instruments. September 30, 2023 December 31, 2022 Notional amount 1 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 $ 2,550 $ — $ — $ 7,633 $ — $ 1 Cash flow hedges of floating-rate liabilities: Pay-fixed interest rate swaps 500 — — — — — Fair value hedges: Debt hedges: Receive-fixed interest rate swaps — — — 500 — — Asset hedges: Pay-fixed interest rate swaps 4,571 108 — 1,228 84 — Total derivatives designated as hedging instruments 7,621 108 — 9,361 84 1 Derivatives not designated as hedging instruments: Customer interest rate derivatives 1 13,835 515 510 13,670 296 443 Other interest rate derivatives 985 2 — 862 — — Foreign exchange derivatives 234 3 2 605 6 7 Purchased credit derivatives — — — — — — Total derivatives not designated as hedging instruments 15,054 520 512 15,137 302 450 Total derivatives $ 22,675 $ 628 $ 512 $ 24,498 $ 386 $ 451 1 Customer interest rate derivatives include both customer-facing derivative as well as offsetting derivatives facing other dealer banks. The fair value of these derivatives include a net credit valuation adjustment (“CVA”) of $17 million, reducing the fair value of the liability at September 30, 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 were deferred in other comprehensive income (“OCI”) or recognized in earnings for the three and nine months ended September 30, 2023 and 2022 is presented in the schedules below. Three Months Ended September 30, 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 Hedge ineffectiveness/AOCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ — $ — $ — Received-fixed interest rate swaps 7 (41) — — Cash flow hedges of floating-rate liabilities: Pay-fixed interest rate swaps (3) 2 — — Fair value hedges: — Debt hedges: Receive-fixed interest rate swaps — — — — Basis amortization on terminated hedges 2 — — (2) — Asset hedges: Pay-fixed interest rate swaps — — 20 (1) Basis amortization on terminated asset hedges 3 — — — — Total derivatives designated as hedging instruments $ 4 $ (39) $ 18 $ (1) Nine Months Ended September 30, 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 Hedge ineffectiveness/AOCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ — $ — $ — Received-fixed interest rate swaps 24 (131) — — Cash flow hedges of floating-rate liabilities: Pay-fixed interest rate swaps 8 3 — — Fair value hedges: Debt hedges: Receive-fixed interest rate swaps — — (5) — Basis amortization on terminated debt hedges 2 — — (3) — Asset hedges: Pay-fixed interest rate swaps — — 36 (1) Basis amortization on terminated asset hedges 3 — — — — Total derivatives designated as hedging instruments $ 32 $ (128) $ 28 $ (1) Three Months Ended September 30, 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 Hedge ineffectiveness/AOCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ — $ — $ — Interest rate swaps (183) (11) — — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — (1) — Basis amortization on terminated hedges 2 — — — — Fair value hedges of assets: Pay-fixed interest rate swaps — — 1 — Basis amortization on terminated hedges 2 — — — — Total derivatives designated as hedging instruments $ (183) $ (11) $ — $ — Nine Months Ended September 30, 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 Hedge ineffectiveness/AOCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ 2 $ — $ — Interest rate swaps (427) 7 — $ — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — 2 — Basis amortization on terminated hedges 2, 3 — — 1 — Fair value hedges of assets: Pay-fixed interest rate swaps — — (1) $ — Basis amortization on terminated hedges 2, 3 — — — $ — Total derivatives designated as hedging instruments $ (427) $ 9 $ 2 $ — 1 For the 12 months following September 30, 2023, we estimate that $133 million of losses will be reclassified from AOCI into interest income, compared with an estimate of $173 million of losses at September 30, 2022. 2 At September 30, 2023, the total cumulative unamortized basis adjustment for terminated fair value hedges of debt was $48 million. We did not have any cumulative unamortized basis adjustment for terminated hedges of debt at September 30, 2022. We had $3 million and $10 million of cumulative unamortized basis adjustments from terminated fair value hedges of assets at September 30, 2023 and 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 September 30, 2023 Nine Months Ended September 30, 2023 Three Months Ended September 30, 2022 Nine Months Ended September 30, 2022 Derivatives not designated as hedging instruments: Customer-facing interest rate derivatives $ 11 $ 22 $ 11 $ 42 Other interest rate derivatives 1 4 — — Foreign exchange derivatives 8 22 8 21 Purchased credit derivatives — (1) — — Total derivatives not designated as hedging instruments $ 20 $ 47 $ 19 $ 63 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 September 30, 2023 Three Months Ended September 30, 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 $ — $ — $ — $ (25) $ 25 $ — Assets: Pay-fixed interest rate swaps 1, 2 144 (145) (1) 67 (67) — Gain/(loss) recorded in income Nine Months Ended September 30, 2023 Nine Months Ended September 30, 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 $ 14 $ (14) $ — $ (75) $ 75 $ — Assets: Pay-fixed interest rate swaps 1, 2 171 (172) (1) 217 (217) — 1 Consists of hedges of benchmark interest rate risk of fixed-rate long-term debt, fixed-rate AFS securities, and fixed-rate commercial loans. 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) September 30, 2023 December 31, 2022 September 30, 2023 December 31, 2022 September 30, 2023 December 31, 2022 Long-term fixed-rate debt 2 $ — $ (500) $ — $ (435) $ — $ 65 Fixed-rate assets 3 12,550 1,228 12,176 962 (374) (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. 2 We terminated the remaining fair value hedge of debt during the second quarter of 2023. The remaining hedge basis adjustments will be amortized over the life of the associated debt. 3 These amounts include the amortized cost basis of defined portfolios of AFS securities and commercial loans used to designate hedging relationships in which the hedged item is the stated amount of assets in the defined portfolio anticipated to be outstanding for the designated hedged period. At September 30, 2023, the amortized cost basis of the defined portfolios used in these hedging relationships was $11.5 billion; the cumulative basis adjustment associated with these hedging relationships was $103.9 million; and the notional amounts of the designated hedging instruments were $3.5 billion.

Leases

Leases	9 Months Ended
	Sep. 30, 2023
Leases [Abstract]
LEASES	LEASES We have operating and finance leases for branches, corporate offices, and data centers. At September 30, 2023, we had 409 branches, of which 277 are owned and 132 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) September 30, December 31, 2022 Operating leases ROU assets, net of amortization $ 170 $ 173 Lease liabilities 197 198 Finance leases ROU assets, net of amortization 3 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.4 8.4 Finance leases 16.7 17.4 Weighted average discount rate Operating leases 3.2 % 2.9 % Finance leases 3.1 % 3.1 % Additional information related to lease expense is presented in the following schedule. Three Months Ended September 30, Nine Months Ended September 30, (In millions) 2023 2022 2023 2022 Lease expense: Operating lease expense $ 11 $ 11 $ 32 $ 35 Other expenses associated with operating leases 1 16 13 46 38 Total lease expense $ 27 $ 24 $ 78 $ 73 Related cash disbursements from operating leases $ 11 $ 12 $ 36 $ 37 1 Other expenses primarily include 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 $ 12 2024 43 2025 34 2026 29 2027 21 Thereafter 91 Total $ 230 1 Contractual maturities for the three 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 third quarter of 2023 and 2022, and $11 million and $10 million for the first nine months of 2023 and 2022, respectively. We originated equipment leases, considered to be sales-type leases or direct financing leases, totaling $374 million and $386 million at September 30, 2023 and December 31, 2022, respectively. We recorded income of $4 million a nd $3 million on these leases for the third quarter of 2023 and 2022, respectively, and $12 million and $9 million for the first nine months of 2023 and 2022, respectively.
LEASES	LEASES We have operating and finance leases for branches, corporate offices, and data centers. At September 30, 2023, we had 409 branches, of which 277 are owned and 132 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) September 30, December 31, 2022 Operating leases ROU assets, net of amortization $ 170 $ 173 Lease liabilities 197 198 Finance leases ROU assets, net of amortization 3 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.4 8.4 Finance leases 16.7 17.4 Weighted average discount rate Operating leases 3.2 % 2.9 % Finance leases 3.1 % 3.1 % Additional information related to lease expense is presented in the following schedule. Three Months Ended September 30, Nine Months Ended September 30, (In millions) 2023 2022 2023 2022 Lease expense: Operating lease expense $ 11 $ 11 $ 32 $ 35 Other expenses associated with operating leases 1 16 13 46 38 Total lease expense $ 27 $ 24 $ 78 $ 73 Related cash disbursements from operating leases $ 11 $ 12 $ 36 $ 37 1 Other expenses primarily include 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 $ 12 2024 43 2025 34 2026 29 2027 21 Thereafter 91 Total $ 230 1 Contractual maturities for the three 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 third quarter of 2023 and 2022, and $11 million and $10 million for the first nine months of 2023 and 2022, respectively. We originated equipment leases, considered to be sales-type leases or direct financing leases, totaling $374 million and $386 million at September 30, 2023 and December 31, 2022, respectively. We recorded income of $4 million a nd $3 million on these leases for the third quarter of 2023 and 2022, respectively, and $12 million and $9 million for the first nine months of 2023 and 2022, respectively.
LEASES	. LEASES We have operating and finance leases for branches, corporate offices, and data centers. At September 30, 2023, we had 409 branches, of which 277 are owned and 132 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) September 30, December 31, 2022 Operating leases ROU assets, net of amortization $ 170 $ 173 Lease liabilities 197 198 Finance leases ROU assets, net of amortization 3 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.4 8.4 Finance leases 16.7 17.4 Weighted average discount rate Operating leases 3.2 % 2.9 % Finance leases 3.1 % 3.1 % Additional information related to lease expense is presented in the following schedule. Three Months Ended September 30, Nine Months Ended September 30, (In millions) 2023 2022 2023 2022 Lease expense: Operating lease expense $ 11 $ 11 $ 32 $ 35 Other expenses associated with operating leases 1 16 13 46 38 Total lease expense $ 27 $ 24 $ 78 $ 73 Related cash disbursements from operating leases $ 11 $ 12 $ 36 $ 37 1 Other expenses primarily include 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 $ 12 2024 43 2025 34 2026 29 2027 21 Thereafter 91 Total $ 230 1 Contractual maturities for the three 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 third quarter of 2023 and 2022, and $11 million and $10 million for the first nine months of 2023 and 2022, respectively. We originated equipment leases, considered to be sales-type leases or direct financing leases, totaling $374 million and $386 million at September 30, 2023 and December 31, 2022, respectively. We recorded income of $4 million a nd $3 million on these leases for the third quarter of 2023 and 2022, respectively, and $12 million and $9 million for the first nine months of 2023 and 2022, respectively.
LEASES	. LEASES We have operating and finance leases for branches, corporate offices, and data centers. At September 30, 2023, we had 409 branches, of which 277 are owned and 132 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) September 30, December 31, 2022 Operating leases ROU assets, net of amortization $ 170 $ 173 Lease liabilities 197 198 Finance leases ROU assets, net of amortization 3 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.4 8.4 Finance leases 16.7 17.4 Weighted average discount rate Operating leases 3.2 % 2.9 % Finance leases 3.1 % 3.1 % Additional information related to lease expense is presented in the following schedule. Three Months Ended September 30, Nine Months Ended September 30, (In millions) 2023 2022 2023 2022 Lease expense: Operating lease expense $ 11 $ 11 $ 32 $ 35 Other expenses associated with operating leases 1 16 13 46 38 Total lease expense $ 27 $ 24 $ 78 $ 73 Related cash disbursements from operating leases $ 11 $ 12 $ 36 $ 37 1 Other expenses primarily include 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 $ 12 2024 43 2025 34 2026 29 2027 21 Thereafter 91 Total $ 230 1 Contractual maturities for the three 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 third quarter of 2023 and 2022, and $11 million and $10 million for the first nine months of 2023 and 2022, respectively. We originated equipment leases, considered to be sales-type leases or direct financing leases, totaling $374 million and $386 million at September 30, 2023 and December 31, 2022, respectively. We recorded income of $4 million a nd $3 million on these leases for the third quarter of 2023 and 2022, respectively, and $12 million and $9 million for the first nine months of 2023 and 2022, respectively.
LEASES	. LEASES We have operating and finance leases for branches, corporate offices, and data centers. At September 30, 2023, we had 409 branches, of which 277 are owned and 132 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) September 30, December 31, 2022 Operating leases ROU assets, net of amortization $ 170 $ 173 Lease liabilities 197 198 Finance leases ROU assets, net of amortization 3 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.4 8.4 Finance leases 16.7 17.4 Weighted average discount rate Operating leases 3.2 % 2.9 % Finance leases 3.1 % 3.1 % Additional information related to lease expense is presented in the following schedule. Three Months Ended September 30, Nine Months Ended September 30, (In millions) 2023 2022 2023 2022 Lease expense: Operating lease expense $ 11 $ 11 $ 32 $ 35 Other expenses associated with operating leases 1 16 13 46 38 Total lease expense $ 27 $ 24 $ 78 $ 73 Related cash disbursements from operating leases $ 11 $ 12 $ 36 $ 37 1 Other expenses primarily include 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 $ 12 2024 43 2025 34 2026 29 2027 21 Thereafter 91 Total $ 230 1 Contractual maturities for the three 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 third quarter of 2023 and 2022, and $11 million and $10 million for the first nine months of 2023 and 2022, respectively. We originated equipment leases, considered to be sales-type leases or direct financing leases, totaling $374 million and $386 million at September 30, 2023 and December 31, 2022, respectively. We recorded income of $4 million a nd $3 million on these leases for the third quarter of 2023 and 2022, respectively, and $12 million and $9 million for the first nine months of 2023 and 2022, respectively.

Long-Term Debt and Shareholders

Long-Term Debt and Shareholders' Equity	9 Months Ended
	Sep. 30, 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 presented in the consolidated balance sheet 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. The following schedule presents the components of our long-term debt. LONG-TERM DEBT (In millions) September 30, December 31, 2022 Subordinated notes 1 $ 536 $ 519 Senior notes — 128 Finance lease obligations 4 4 Total $ 540 $ 651 1 The change in the subordinated notes balance is primarily due to a fair value hedge accounting adjustment. See also Note 7. The decrease in long-term debt was primarily due to the redemption of $128 million, 4.50% matured senior notes during the second quarter of 2023. Shareholders' Equity Our common stock is traded on the National Association of Securities Dealers Automated Quotations (“NASDAQ”) Global Select Market. At September 30, 2023, there were 148.1 million shares of $0.001 par value common stock outstanding. Common stock and additional paid-in capital decreased $28 million, or 2%, to $1.7 billion at September 30, 2023, from December 31, 2022, primarily due to common stock repurchases during the first quarter of 2023. As the macroeconomic environment remained uncertain, we did not repurchase common shares during the second or third quarters of 2023, nor do we expect to repurchase common shares during the fourth quarter of 2023. AOCI was a $3.0 billion loss at September 30, 2023. The following schedule presents the changes in AOCI by major component. (In millions) Net unrealized gains/(losses) on investment securities Net unrealized gains/(losses) on derivatives and other Pension and post-retirement Total Nine Months Ended September 30, 2023 Balance at December 31, 2022 $ (2,800) $ (311) $ (1) $ (3,112) OCI (loss) before reclassifications, net of tax 1 (11) 16 — 5 Amounts reclassified from AOCI, net of tax — 99 — 99 Other comprehensive income (loss) (11) 115 — 104 Balance at September 30, 2023 $ (2,811) $ (196) $ (1) $ (3,008) Income tax expense (benefit) included in OCI (loss) $ (4) $ 38 $ — $ 34 Nine Months Ended September 30, 2022 Balance at December 31, 2021 $ (78) $ — $ (2) $ (80) OCI (loss) before reclassifications, net of tax (2,729) (324) — (3,053) Amounts reclassified from AOCI, net of tax — (7) — (7) Other comprehensive loss (2,729) (331) — (3,060) Balance at September 30, 2022 $ (2,807) $ (331) $ (2) $ (3,140) Income tax benefit included in OCI (loss) $ (884) $ (107) $ — $ (991) 1 For the nine months ended September 30, 2023, the amounts include $169 million related to the decline in the fair value of fixed-rate AFS securities as a result of higher interest rates, offset by $158 million in unrealized loss amortization associated with the securities transferred from AFS to HTM during the fourth quarter of 2022, respectively. Amounts reclassified from AOCI 1 Statement of income (SI) (In millions) Three Months Ended Nine Months Ended Details about AOCI components 2023 2022 2023 2022 Affected line item Net unrealized gains (losses) on derivative instruments $ (42) $ (11) $ (131) $ 9 SI Interest and fees on loans Less: Income tax expense (benefit) (10) (3) (32) 2 Amounts reclassified from AOCI $ (32) $ (8) $ (99) $ 7 1 Positive reclassification amounts indicate increases to earnings in the income statement.

Commitments, Guarantees, and Co

Commitments, Guarantees, and Contingent Liabilities	9 Months Ended
	Sep. 30, 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) September 30, December 31, Unfunded lending commitments 1 $ 29,693 $ 29,628 Standby letters of credit: Financial 549 667 Performance 180 184 Commercial letters of credit 20 11 Mortgage-backed security purchase agreements 2 59 23 Total unfunded commitments $ 30,501 $ 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 or governmental inquiries, 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 September 30, 2023, we were subject to the following material litigation: • 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 discovery phases. Trial has not been scheduled in either case. • 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. This case is in the discovery phase and trial has been scheduled for late spring 2024. 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 September 30, 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

Revenue Recognition

Revenue Recognition	9 Months Ended
	Sep. 30, 2023
Revenue Recognition and Deferred Revenue [Abstract]
REVENUE RECOGNITION	REVENUE RECOGNITIONWe derive our revenue primarily from interest income on loans and securities, which represented approximately 82% of our total revenue in the third 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 September 30, 2023 and 2022. Zions Bank CB&T Amegy (In millions) 2023 2022 2023 2022 2023 2022 Commercial account fees $ 14 $ 13 $ 8 $ 7 $ 14 $ 12 Card fees 13 14 5 5 8 8 Retail and business banking fees 5 5 3 3 3 4 Capital markets fees — — — — — — Wealth management fees 7 5 1 1 4 4 Other customer-related fees 2 2 2 2 2 2 Total noninterest income from contracts with customers (ASC 606) 41 39 19 18 31 30 Other noninterest income (non-ASC 606 customer-related) 6 4 7 9 12 11 Total customer-related noninterest income 47 43 26 27 43 41 Other noncustomer-related noninterest income 2 1 2 1 3 — Total noninterest income 49 44 28 28 46 41 Net interest income 167 197 143 154 107 137 Total net revenue $ 216 $ 241 $ 171 $ 182 $ 153 $ 178 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 4 3 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 11 7 6 Other noninterest income (non-ASC 606 customer-related) 1 2 1 1 1 2 Total customer-related noninterest income 10 11 12 12 8 8 Other noncustomer-related noninterest income — 1 — — — — Total noninterest income 10 12 12 12 8 8 Net interest income 66 64 46 50 36 41 Total net revenue $ 76 $ 76 $ 58 $ 62 $ 44 $ 49 TCBW Other Consolidated Bank (In millions) 2023 2022 2023 2022 2023 2022 Commercial account fees $ 1 $ 1 $ (1) $ — $ 43 $ 40 Card fees 1 — (1) 1 37 38 Retail and business banking fees — — — (1) 17 17 Capital markets fees — — 1 1 1 1 Wealth management fees — — — — 14 12 Other customer-related fees — — 7 8 14 15 Total noninterest income from contracts with customers (ASC 606) 2 1 6 9 126 123 Other noninterest income (non-ASC 606 customer-related) — 1 3 3 31 33 Total customer-related noninterest income 2 2 9 12 157 156 Other noncustomer-related noninterest income — — 16 6 23 9 Total noninterest income 2 2 25 18 180 165 Net interest income 15 17 5 3 585 663 Total net revenue $ 17 $ 19 $ 30 $ 21 $ 765 $ 828 The schedule below presents net revenue by our operating business segments for the nine months ended September 30, 2023 and 2022. Zions Bank CB&T Amegy (In millions) 2023 2022 2023 2022 2023 2022 Commercial account fees $ 42 $ 40 $ 24 $ 21 $ 42 $ 33 Card fees 39 41 15 15 24 24 Retail and business banking fees 14 17 8 10 10 12 Capital markets fees — — — — — — Wealth management fees 19 17 3 3 13 12 Other customer-related fees 6 6 6 4 5 5 Total noninterest income from contracts with customers (ASC 606) 120 121 56 53 94 86 Other noninterest income (non-ASC 606 customer-related) 19 15 26 23 29 33 Total customer-related noninterest income 139 136 82 76 123 119 Other noncustomer-related noninterest income 9 3 5 3 20 — Total noninterest income 148 139 87 79 143 119 Net interest income 530 523 454 425 346 369 Total net revenue $ 678 $ 662 $ 541 $ 504 $ 489 $ 488 NBAZ NSB Vectra (In millions) 2023 2022 2023 2022 2023 2022 Commercial account fees $ 7 $ 7 $ 9 $ 8 $ 5 $ 6 Card fees 11 11 12 11 7 7 Retail and business banking fees 6 7 7 8 3 3 Capital markets fees — — — — — — Wealth management fees 3 2 4 4 1 1 Other customer-related fees 1 1 1 1 3 2 Total noninterest income from contracts with customers (ASC 606) 28 28 33 32 19 19 Other noninterest income (non-ASC 606 customer-related) 2 4 1 5 2 5 Total customer-related noninterest income 30 32 34 37 21 24 Other noncustomer-related noninterest income 1 2 — — — — Total noninterest income 31 34 34 37 21 24 Net interest income 194 170 145 126 115 109 Total net revenue $ 225 $ 204 $ 179 $ 163 $ 136 $ 133 TCBW Other Consolidated Bank (In millions) 2023 2022 2023 2022 2023 2022 Commercial account fees $ 2 $ 1 $ — $ 2 $ 131 $ 118 Card fees 1 1 1 — 110 110 Retail and business banking fees — — 1 (1) 49 56 Capital markets fees — — 2 3 2 3 Wealth management fees — — (2) — 41 39 Other customer-related fees 1 1 22 25 45 45 Total noninterest income from contracts with customers (ASC 606) 4 3 24 29 378 371 Other noninterest income (non-ASC 606 customer-related) 1 2 12 3 92 90 Total customer-related noninterest income 5 5 36 32 470 461 Other noncustomer-related noninterest income — — 24 10 59 18 Total noninterest income 5 5 60 42 529 479 Net interest income 46 46 25 32 1,855 1,800 Total net revenue $ 51 $ 51 $ 85 $ 74 $ 2,384 $ 2,279

Income Taxes

Income Taxes	9 Months Ended
	Sep. 30, 2023
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES The effective income tax rate was 23.2% for the third quarter of 2023, compared with 21.9% for the third quarter of 2022. The effective tax rates for the first nine months of 2023 and 2022 were 24.7% and 21.4%, respectively. 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 nine months 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 first quarter of 2023 . At both September 30, 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 September 30, 2023 and December 31, 2022.

Net Earnings Per Common Share

Net Earnings Per Common Share	9 Months Ended
	Sep. 30, 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 Nine Months Ended (In millions, except shares and per share amounts) 2023 2022 2023 2022 Basic: Net income $ 175 $ 217 $ 554 $ 623 Less common and preferred dividends 68 68 206 199 Undistributed earnings 107 149 348 424 Less undistributed earnings applicable to nonvested shares 1 1 3 4 Undistributed earnings applicable to common shares 106 148 345 420 Distributed earnings applicable to common shares 61 61 182 176 Total earnings applicable to common shares $ 167 $ 209 $ 527 $ 596 Weighted average common shares outstanding (in thousands) 147,648 149,628 147,784 150,510 Net earnings per common share $ 1.13 $ 1.40 $ 3.57 $ 3.96 Diluted: Total earnings applicable to common shares $ 167 $ 209 $ 527 $ 596 Weighted average common shares outstanding (in thousands) 147,648 149,628 147,784 150,510 Dilutive effect of stock options (in thousands) 5 164 10 256 Weighted average diluted common shares outstanding (in thousands) 147,653 149,792 147,794 150,766 Net earnings per common share $ 1.13 $ 1.40 $ 3.57 $ 3.96 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 Nine Months Ended (In thousands) 2023 2022 2023 2022 Restricted stock and restricted stock units 1,398 1,245 1,385 1,274 Stock options 1,441 305 1,401 170

Operating Segment Information

Operating Segment Information	9 Months Ended
	Sep. 30, 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 September 30, 2023, Zions Bank operated 95 branches in Utah, 25 branches in Idaho, and one branch in Wyoming. CB&T operated 75 branches in California. Amegy operated 75 branches in Texas. NBAZ operated 56 branches in Arizona. NSB operated 45 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 September 30, 2023 and 2022: Zions Bank CB&T Amegy (In millions) 2023 2022 2023 2022 2023 2022 SELECTED INCOME STATEMENT DATA Net interest income $ 167 $ 197 $ 143 $ 154 $ 107 $ 137 Provision for credit losses 1 35 24 19 7 15 Net interest income after provision for credit losses 166 162 119 135 100 122 Noninterest income 49 44 28 28 46 41 Noninterest expense 130 125 91 86 93 90 Income (loss) before income taxes $ 85 $ 81 $ 56 $ 77 $ 53 $ 73 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 14,382 $ 13,448 $ 14,195 $ 13,100 $ 12,892 $ 12,176 Total average deposits 20,041 23,634 14,335 16,096 13,997 15,531 NBAZ NSB Vectra (In millions) 2023 2022 2023 2022 2023 2022 SELECTED INCOME STATEMENT DATA Net interest income $ 66 $ 64 $ 46 $ 50 $ 36 $ 41 Provision for credit losses 3 — 7 1 (1) 2 Net interest income after provision for credit losses 63 64 39 49 37 39 Noninterest income 10 12 12 12 8 8 Noninterest expense 44 44 40 39 32 31 Income (loss) before income taxes $ 29 $ 32 $ 11 $ 22 $ 13 $ 16 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 5,364 $ 4,913 $ 3,420 $ 3,052 $ 4,011 $ 3,722 Total average deposits 7,002 8,090 7,059 7,479 3,463 4,100 TCBW Other Consolidated Bank (In millions) 2023 2022 2023 2022 2023 2022 SELECTED INCOME STATEMENT DATA Net interest income $ 15 $ 17 $ 5 $ 3 $ 585 $ 663 Provision for credit losses 2 — (2) (1) 41 71 Net interest income after provision for credit losses 13 17 7 4 544 592 Noninterest income 2 2 25 18 180 165 Noninterest expense 6 6 60 58 496 479 Income (loss) before income taxes $ 9 $ 13 $ (28) $ (36) $ 228 $ 278 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 1,697 $ 1,633 $ 1,007 $ 909 $ 56,968 $ 52,953 Total average deposits 1,138 1,585 8,608 948 75,643 77,463 The following schedule presents selected operating segment information for the nine months ended September 30, 2023 and 2022: Zions Bank CB&T Amegy (In millions) 2023 2022 2023 2022 2023 2022 SELECTED INCOME STATEMENT DATA Net interest income $ 530 $ 523 $ 454 $ 425 $ 346 $ 369 Provision for credit losses 32 35 39 40 30 (7) Net interest income after provision for credit losses 498 488 415 385 316 376 Noninterest income 148 139 87 79 143 119 Noninterest expense 403 373 277 254 291 264 Income (loss) before income taxes $ 243 $ 254 $ 225 $ 210 $ 168 $ 231 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 14,205 $ 13,130 $ 14,122 $ 12,948 $ 12,872 $ 11,970 Total average deposits 20,058 24,920 14,103 16,407 13,055 16,062 NBAZ NSB Vectra (In millions) 2023 2022 2023 2022 2023 2022 SELECTED INCOME STATEMENT DATA Net interest income $ 194 $ 170 $ 145 $ 126 $ 115 $ 109 Provision for credit losses 7 2 18 1 5 8 Net interest income after provision for credit losses 187 168 127 125 110 101 Noninterest income 31 34 34 37 21 24 Noninterest expense 136 125 123 113 99 90 Income (loss) before income taxes $ 82 $ 77 $ 38 $ 49 $ 32 $ 35 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 5,253 $ 4,859 $ 3,392 $ 2,929 $ 3,997 $ 3,550 Total average deposits 7,018 8,164 6,887 7,487 3,479 4,195 TCBW Other Consolidated Bank (In millions) 2023 2022 2023 2022 2023 2022 SELECTED INCOME STATEMENT DATA Net interest income $ 46 $ 46 $ 25 $ 32 $ 1,855 $ 1,800 Provision for credit losses 4 — (3) — 132 79 Net interest income after provision for credit losses 42 46 28 32 1,723 1,721 Noninterest income 5 5 60 42 529 479 Noninterest expense 18 18 169 170 1,516 1,407 Income (loss) before income taxes $ 29 $ 33 $ (81) $ (96) $ 736 $ 793 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 1,699 $ 1,601 $ 1,063 $ 910 $ 56,603 $ 51,897 Total average deposits 1,206 1,571 6,030 1,164 71,836 79,970

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Pay vs Performance Disclosure
Net income	$ 175	$ 217	$ 554	$ 623

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Sep. 30, 2023
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Recent Accounting Pronounceme_2

Recent Accounting Pronouncements (Policies)	9 Months Ended
	Sep. 30, 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 ASU 2022-02, Financial Instruments—Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures This ASU eliminated the recognition and measurement requirements for troubled debt restructurings (“TDRs”) for creditors that have adopted ASC 326 (“CECL”), eliminated certain TDR disclosures, and required enhanced disclosures about loan modifications for borrowers experiencing financial difficulty. The new standard also required 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 a modified retrospective basis 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 measured 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)	9 Months Ended
	Sep. 30, 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 ASU 2022-02, Financial Instruments—Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures This ASU eliminated the recognition and measurement requirements for troubled debt restructurings (“TDRs”) for creditors that have adopted ASC 326 (“CECL”), eliminated certain TDR disclosures, and required enhanced disclosures about loan modifications for borrowers experiencing financial difficulty. The new standard also required 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 a modified retrospective basis on January 1, 2023. It did not have a material impact on our financial statements.

Fair Value (Tables)

Fair Value (Tables)	9 Months Ended
	Sep. 30, 2023
Fair Value Disclosures [Abstract]
Schedule of Assets and Liabilities Measured at Fair Value by Class on a Recurring Basis	The following schedule presents assets and liabilities measured at fair value on a recurring basis: (In millions) September 30, 2023 Level 1 Level 2 Level 3 Total ASSETS Available-for-sale securities: U.S. Treasury, agencies, and corporations $ 460 $ 8,367 $ — $ 8,827 Municipal securities 1,297 1,297 Other debt securities 24 24 Total available-for-sale 460 9,688 — 10,148 Trading securities 31 31 Other noninterest-bearing investments: Bank-owned life insurance 551 551 Private equity investments 1 3 89 92 Other assets: Agriculture loan servicing 17 17 Deferred compensation plan assets 116 116 Derivatives 628 628 Total assets $ 579 $ 10,898 $ 106 $ 11,583 LIABILITIES Securities sold, not yet purchased $ 34 $ — $ — $ 34 Other liabilities: Derivatives 512 512 Total liabilities $ 34 $ 512 $ — $ 546 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 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 Nine Months Ended September 30, 2023 September 30, 2022 September 30, 2023 September 30, 2022 (In millions) Private equity investments Ag loan servicing Private equity investments Ag loan servicing Private equity investments Ag loan servicing Private equity investments Ag loan servicing Balance at beginning of period $ 84 $ 17 $ 77 $ 12 $ 81 $ 14 $ 66 $ 12 Unrealized securities gains (losses), net 2 — 2 — (1) — 7 — Other noninterest income (expense) — — — — — 4 — — Purchases 3 — 2 — 9 (1) 11 — Cost of investments sold — — — — — — (3) — Transfers out 1 — — — — — — — — Balance at end of period $ 89 $ 17 $ 81 $ 12 $ 89 $ 17 $ 81 $ 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 Nine Months Ended September 30, 2023 September 30, 2022 September 30, 2023 September 30, 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: September 30, 2023 December 31, 2022 (In millions) Carrying Fair value Level Carrying Fair value Level Financial assets: Held-to-maturity investment securities $ 10,559 $ 10,049 2 $ 11,126 $ 11,239 2 Loans and leases (including loans held for sale), net of allowance 56,253 53,372 3 55,086 53,093 3 Financial liabilities: Time deposits 11,576 11,519 2 2,309 2,269 2 Long-term debt 540 475 2 651 635 2

Offsetting Assets and Liabili_2

Offsetting Assets and Liabilities (Tables)	9 Months Ended
	Sep. 30, 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. September 30, 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 $ 1,427 $ — $ 1,427 $ — $ — $ 1,427 Derivatives (included in other assets) 628 — 628 (2) (621) 5 Total assets $ 2,055 $ — $ 2,055 $ (2) $ (621) $ 1,432 Liabilities: Federal funds and other short-term borrowings $ 4,346 $ — $ 4,346 $ — $ — $ 4,346 Derivatives (included in other liabilities) 512 — 512 (2) (1) 509 Total liabilities $ 4,858 $ — $ 4,858 $ (2) $ (1) $ 4,855 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. September 30, 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 $ 1,427 $ — $ 1,427 $ — $ — $ 1,427 Derivatives (included in other assets) 628 — 628 (2) (621) 5 Total assets $ 2,055 $ — $ 2,055 $ (2) $ (621) $ 1,432 Liabilities: Federal funds and other short-term borrowings $ 4,346 $ — $ 4,346 $ — $ — $ 4,346 Derivatives (included in other liabilities) 512 — 512 (2) (1) 509 Total liabilities $ 4,858 $ — $ 4,858 $ (2) $ (1) $ 4,855 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)	9 Months Ended
	Sep. 30, 2023
Investments [Abstract]
Summary of Investment Securities	The following schedule presents the amortized cost and estimated fair values of our HTM and AFS securities: September 30, 2023 (In millions) Amortized Gross unrealized gains 1 Gross unrealized losses Estimated Held-to-maturity U.S. Government agencies and corporations: Agency securities $ 94 $ — $ 8 $ 86 Agency guaranteed mortgage-backed securities 10,106 — 469 9,637 Municipal securities 359 — 33 326 Total held-to-maturity 10,559 — 510 10,049 Available-for-sale U.S. Treasury securities 585 — 125 460 U.S. Government agencies and corporations: Agency securities 692 — 47 645 Agency guaranteed mortgage-backed securities 8,739 — 1,595 7,144 Small Business Administration loan-backed securities 606 — 28 578 Municipal securities 1,431 — 134 1,297 Other debt securities 25 — 1 24 Total available-for-sale 12,078 — 1,930 10,148 Total HTM and AFS investment securities $ 22,637 $ — $ 2,440 $ 20,197 1 Gross unrealized gains for the respective security categories were individually less than $1 million. 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 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
Contractual Maturities Debt Securities	The following schedule presents the amortized cost and weighted average yields of debt securities by contractual maturity of principal payments at September 30, 2023. This schedule does not reflect the duration of the portfolio, which would incorporate amortization, expected prepayments, interest rate resets, and fair value hedges; the effects of which result in measured durations shorter than contractual maturities. September 30, 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 $ 94 3.54 % $ — — % $ — — % $ — — % $ 94 3.54 % Agency guaranteed mortgage-backed securities 10,106 1.85 — — — — 46 1.95 10,060 1.85 Municipal securities 1 359 3.17 26 2.77 129 2.96 169 3.40 35 3.10 Total held-to-maturity securities 10,559 1.91 26 2.77 129 2.96 215 3.09 10,189 1.87 Available-for-sale U.S. Treasury securities 585 3.28 184 5.31 — — — — 401 2.35 U.S. Government agencies and corporations: Agency securities 692 2.66 111 0.95 184 3.13 210 2.70 187 3.15 Agency guaranteed mortgage-backed securities 8,739 2.01 4 3.09 199 1.57 1,459 2.12 7,077 2.00 Small Business Administration loan-backed securities 606 5.37 1 3.96 28 6.08 141 4.35 436 5.66 Municipal securities 1 1,431 2.18 125 2.50 469 2.61 698 1.84 139 2.10 Other debt securities 25 8.74 — — — — 10 9.50 15 8.23 Total available-for-sale securities 12,078 2.31 425 3.32 880 2.59 2,518 2.24 8,255 2.25 Total HTM and AFS investment securities $ 22,637 2.12 % $ 451 3.29 % $ 1,009 2.64 % $ 2,733 2.31 % $ 18,444 2.04 % 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 presents gross unrealized losses for AFS securities and the estimated fair value by length of time the securities have been in an unrealized loss position. September 30, 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 $ — $ — $ 125 $ 276 $ 125 $ 276 U.S. Government agencies and corporations: Agency securities — 1 47 621 47 622 Agency guaranteed mortgage-backed securities 89 305 1,506 6,779 1,595 7,084 Small Business Administration loan-backed securities — 24 28 490 28 514 Municipal securities 6 229 128 1,050 134 1,279 Other — — 1 14 1 14 Total available-for-sale investment securities $ 95 $ 559 $ 1,835 $ 9,230 $ 1,930 $ 9,789 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 presents securities gains and losses recognized in the consolidated income statement. Three Months Ended September 30, Nine Months Ended September 30, 2023 2022 2023 2022 (In millions) Gross gains Gross losses Gross gains Gross losses Gross gains Gross losses Gross gains Gross losses Available-for-sale $ — $ — $ — $ — $ 72 $ 73 $ — $ — Trading 1 1 — — 11 10 — — Other noninterest-bearing investments 6 2 6 — 19 14 10 20 Total gains 7 3 6 — 102 97 10 20 Net gains (losses) 1 $ 4 $ 6 $ 5 $ (10) 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 September 30, 2023 2022 (In millions) Taxable Nontaxable Total Taxable Nontaxable Total Investment securities: Held-to-maturity $ 58 $ 1 $ 59 $ 2 $ 1 $ 3 Available-for-sale 76 9 85 115 11 126 Trading — — — — 3 3 Total securities $ 134 $ 10 $ 144 $ 117 $ 15 $ 132 Nine Months Ended September 30, 2023 2022 (In millions) Taxable Nontaxable Total Taxable Nontaxable Total Investment securities: Held-to-maturity $ 178 $ 3 $ 181 $ 7 $ 3 $ 10 Available-for-sale 214 23 237 320 30 350 Trading — 1 1 — 12 12 Total securities $ 392 $ 27 $ 419 $ 327 $ 45 $ 372

Loans, Leases, and Allowance _2

Loans, Leases, and Allowance for Credit Losses (Tables)	9 Months Ended
	Sep. 30, 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) September 30, December 31, Loans held for sale $ 41 $ 8 Commercial: Commercial and industrial 1 $ 16,341 $ 16,377 Leasing 373 386 Owner-occupied 9,273 9,371 Municipal 4,221 4,361 Total commercial 30,208 30,495 Commercial real estate: Construction and land development 2,575 2,513 Term 10,565 10,226 Total commercial real estate 13,140 12,739 Consumer: Home equity credit line 3,313 3,377 1-4 family residential 8,116 7,286 Construction and other consumer real estate 1,510 1,161 Bankcard and other revolving plans 475 471 Other 131 124 Total consumer 13,545 12,419 Total loans and leases $ 56,893 $ 55,653 1 Commercial and industrial loan balances include Paycheck Protection Program (“PPP”) loans of $106 million and $197 million for the respective periods presented.
Loans Held For Sale	The following schedule presents loans added to, or sold from, the held for sale category during the periods presented. Three Months Ended Nine Months Ended (In millions) 2023 2022 2023 2022 Loans added to held for sale $ 183 $ 96 $ 489 $ 583 Loans sold from held for sale 204 112 480 635
Summary of Changes in the Allowance for Credit Losses	Changes in the ACL are summarized as follows: Three Months Ended September 30, 2023 (In millions) Commercial Commercial Consumer Total Allowance for loan losses Balance at beginning of period $ 323 $ 181 $ 147 $ 651 Provision for loan losses 3 44 (3) 44 Gross loan and lease charge-offs 12 3 5 20 Recoveries 5 — 1 6 Net loan and lease charge-offs (recoveries) 7 3 4 14 Balance at end of period $ 319 $ 222 $ 140 $ 681 Reserve for unfunded lending commitments Balance at beginning of period $ 20 $ 29 $ 11 $ 60 Provision for unfunded lending commitments 1 (1) (3) (3) Balance at end of period $ 21 $ 28 $ 8 $ 57 Total allowance for credit losses at end of period Allowance for loan losses $ 319 $ 222 $ 140 $ 681 Reserve for unfunded lending commitments 21 28 8 57 Total allowance for credit losses $ 340 $ 250 $ 148 $ 738 Nine Months Ended September 30, 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 37 73 26 136 Gross loan and lease charge-offs 35 3 11 49 Recoveries 17 — 5 22 Net loan and lease charge-offs (recoveries) 18 3 6 27 Balance at end of period $ 319 $ 222 $ 140 $ 681 Reserve for unfunded lending commitments Balance at beginning of period $ 16 $ 33 $ 12 $ 61 Provision for unfunded lending commitments 5 (5) (4) (4) Balance at end of period $ 21 $ 28 $ 8 $ 57 Total allowance for credit losses at end of period Allowance for loan losses $ 319 $ 222 $ 140 $ 681 Reserve for unfunded lending commitments 21 28 8 57 Total allowance for credit losses $ 340 $ 250 $ 148 $ 738 Three Months Ended September 30, 2022 (In millions) Commercial Commercial real estate Consumer Total Allowance for loan losses Balance at beginning of period $ 286 $ 114 $ 108 $ 508 Provision for loan losses 41 17 2 60 Gross loan and lease charge-offs 37 — 1 38 Recoveries 6 — 5 11 Net loan and lease charge-offs (recoveries) 31 — (4) 27 Balance at end of period $ 296 $ 131 $ 114 $ 541 Reserve for unfunded lending commitments Balance at beginning of period $ 13 $ 15 $ 10 $ 38 Provision for unfunded lending commitments 3 7 1 11 Balance at end of period $ 16 $ 22 $ 11 $ 49 Total allowance for credit losses at end of period Allowance for loan losses $ 296 $ 131 $ 114 $ 541 Reserve for unfunded lending commitments 16 22 11 49 Total allowance for credit losses $ 312 $ 153 $ 125 $ 590 Nine Months Ended September 30, 2022 (In millions) Commercial Commercial Consumer Total Allowance for loan losses Balance at beginning of period $ 311 $ 107 $ 95 $ 513 Provision for loan losses 29 24 17 70 Gross loan and lease charge-offs 65 — 8 73 Recoveries 21 — 10 31 Net loan and lease charge-offs (recoveries) 44 — (2) 42 Balance at end of period $ 296 $ 131 $ 114 $ 541 Reserve for unfunded lending commitments Balance at beginning of period $ 19 $ 11 $ 10 $ 40 Provision for unfunded lending commitments (3) 11 1 9 Balance at end of period $ 16 $ 22 $ 11 $ 49 Total allowance for credit losses at end of period Allowance for loan losses $ 296 $ 131 $ 114 $ 541 Reserve for unfunded lending commitments 16 22 11 49 Total allowance for credit losses $ 312 $ 153 $ 125 $ 590
Summary of Nonaccrual Loans	The amortized cost basis of nonaccrual loans is summarized as follows: September 30, 2023 Amortized cost basis Total amortized cost basis (In millions) with no allowance with allowance Related allowance Loans held for sale $ 17 $ — $ 17 $ — Commercial: Commercial and industrial $ 9 $ 50 $ 59 $ 16 Owner-occupied 18 9 27 1 Total commercial 27 59 86 17 Commercial real estate: Construction and land development 22 — 22 — Term 30 10 40 3 Total commercial real estate 52 10 62 3 Consumer: Home equity credit line 1 15 16 7 1-4 family residential 5 30 35 6 Total consumer loans 6 45 51 13 Total $ 85 $ 114 $ 199 $ 33 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 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 Nine Months Ended (In millions) 2023 2022 2023 2022 Commercial $ 2 $ 3 $ 7 $ 11 Commercial real estate 2 1 2 1 Consumer — — 1 — Total $ 4 $ 4 $ 10 $ 12
Summary of Past Due Loans (Accruing and Nonaccruing)	Past due loans (accruing and nonaccruing) are summarized as follows: September 30, 2023 (In millions) Current 30-89 days 90+ days Total Total Accruing Nonaccrual loans that are current 1 Commercial: Commercial and industrial $ 16,282 $ 45 $ 14 $ 59 $ 16,341 $ 3 $ 40 Leasing 373 — — — 373 — — Owner-occupied 9,254 6 13 19 9,273 11 24 Municipal 4,214 7 — 7 4,221 — — Total commercial 30,123 58 27 85 30,208 14 64 Commercial real estate: Construction and land development 2,568 5 2 7 2,575 — 21 Term 10,521 42 2 44 10,565 1 12 Total commercial real estate 13,089 47 4 51 13,140 1 33 Consumer: Home equity credit line 3,300 7 6 13 3,313 — 8 1-4 family residential 8,085 11 20 31 8,116 — 12 Construction and other consumer real estate 1,510 — — — 1,510 — — Bankcard and other revolving plans 472 2 1 3 475 1 — Other 130 1 — 1 131 — — Total consumer loans 13,497 21 27 48 13,545 1 20 Total $ 56,709 $ 126 $ 58 $ 184 $ 56,893 $ 16 $ 117 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 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. September 30, 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 $ 1,955 $ 2,775 $ 1,402 $ 681 $ 552 $ 639 $ 7,727 $ 177 $ 15,908 Special Mention 4 12 13 6 1 47 90 1 174 Accruing Substandard 2 64 7 2 19 8 96 2 200 Nonaccrual 4 5 2 2 11 2 31 2 59 Total commercial and industrial 1,965 2,856 1,424 691 583 696 7,944 182 16,341 Gross charge-offs 1 4 — — — — 7 — 12 Leasing Pass 62 140 52 35 50 32 — — 371 Special Mention — — — — — — — — — Accruing Substandard — 2 — — — — — — 2 Nonaccrual — — — — — — — — — Total leasing 62 142 52 35 50 32 — — 373 Gross charge-offs — — — — — — — — — Owner-occupied Pass 835 2,006 2,031 1,029 738 2,041 199 53 8,932 Special Mention 3 8 60 4 17 14 2 — 108 Accruing Substandard 4 39 41 18 18 81 5 — 206 Nonaccrual 1 — 1 12 3 10 — — 27 Total owner-occupied 843 2,053 2,133 1,063 776 2,146 206 53 9,273 Gross charge-offs — — — — — — — — — Municipal Pass 320 1,067 1,174 657 395 548 4 — 4,165 Special Mention 7 31 — — — — — — 38 Accruing Substandard — 7 6 3 1 1 — — 18 Nonaccrual — — — — — — — — — Total municipal 327 1,105 1,180 660 396 549 4 — 4,221 Gross charge-offs — — — — — — — — — Total commercial 3,197 6,156 4,789 2,449 1,805 3,423 8,154 235 30,208 Total commercial gross charge-offs 1 4 — — — — 7 — 12 Commercial real estate: Construction and land development Pass 431 787 469 171 8 5 465 121 2,457 Special Mention 6 — 52 — — — 11 — 69 Accruing Substandard — 10 — 17 — — — — 27 Nonaccrual — — — — 21 — 1 — 22 Total construction and land development 437 797 521 188 29 5 477 121 2,575 Gross charge-offs — — — — 1 — — — 1 Term Pass 1,303 2,511 1,975 1,569 854 1,569 235 165 10,181 Special Mention 55 56 12 42 46 8 4 — 223 Accruing Substandard 59 18 3 12 5 24 — — 121 Nonaccrual — 26 — — 3 11 — — 40 Total term 1,417 2,611 1,990 1,623 908 1,612 239 165 10,565 Gross charge-offs — 2 — — — — — — 2 Total commercial real estate 1,854 3,408 2,511 1,811 937 1,617 716 286 13,140 Total commercial real estate gross charge-offs — 2 — — 1 — — — 3 September 30, 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 — — — — — — 3,195 97 3,292 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 5 — 5 Nonaccrual — — — — — — 14 2 16 Total home equity credit line — — — — — — 3,214 99 3,313 Gross charge-offs — — — — — — 3 — 3 1-4 family residential Pass 722 2,083 1,719 1,002 605 1,948 — — 8,079 Special Mention — — — — — — — — — Accruing Substandard — — — — — 2 — — 2 Nonaccrual — 2 2 3 3 25 — — 35 Total 1-4 family residential 722 2,085 1,721 1,005 608 1,975 — — 8,116 Gross charge-offs — — — — — — — — — Construction and other consumer real estate Pass 140 1,016 314 22 10 7 — — 1,509 Special Mention — — — — — — — — — Accruing Substandard — — — — — 1 — — 1 Nonaccrual — — — — — — — — — Total construction and other consumer real estate 140 1,016 314 22 10 8 — — 1,510 Gross charge-offs — — — — — — — — — Bankcard and other revolving plans Pass — — — — — — 471 2 473 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 2 — 2 Nonaccrual — — — — — — — — — Total bankcard and other revolving plans — — — — — — 473 2 475 Gross charge-offs — — — — — — 2 — 2 Other consumer Pass 54 42 20 7 5 3 — — 131 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total other consumer 54 42 20 7 5 3 — — 131 Gross charge-offs — — — — — — — — — Total consumer 916 3,143 2,055 1,034 623 1,986 3,687 101 13,545 Total consumer gross charge-offs — — — — — — 5 — 5 Total loans $ 5,967 $ 12,707 $ 9,355 $ 5,294 $ 3,365 $ 7,026 $ 12,557 $ 622 $ 56,893 Total gross charge-offs $ 1 $ 6 $ — $ — $ 1 $ — $ 12 $ — $ 20 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: Three Months Ended September 30, 2023 Amortized cost associated with Interest Maturity Principal Payment Multiple modification types 1 Total 2 Percentage of total loans 3 Commercial: Commercial and industrial $ — $ 35 $ — $ 1 $ — $ 36 0.2 % Owner-occupied — 3 — — — 3 — Total commercial — 38 — 1 — 39 0.1 Commercial real estate: Construction and land development — — — — — — — Term — 83 — — — 83 0.8 Total commercial real estate — 83 — — — 83 0.6 Consumer: 1-4 family residential — — — — 1 1 — Bankcard and other revolving plans — — — — — — — Total consumer loans — — — — 1 1 — Total $ — $ 121 $ — $ 1 $ 1 $ 123 0.2 % Nine Months Ended September 30, 2023 Amortized cost associated with (Dollar amounts in millions) Interest Maturity Principal Payment Multiple modification types 1 Total 2 Percentage of total loans 3 Commercial: Commercial and industrial $ — $ 63 $ — $ 1 $ — $ 64 0.4 % Owner-occupied 4 8 — — — 12 0.1 Total commercial 4 71 — 1 — 76 0.3 Commercial real estate: Construction and land development — 23 — — — 23 0.9 Term — 141 — — — 141 1.3 Total commercial real estate — 164 — — — 164 1.2 Consumer: 1-4 family residential — — 1 — 1 2 — Bankcard and other revolving plans — 1 — — — 1 0.2 Total consumer loans — 1 1 — 1 3 — Total $ 4 $ 236 $ 1 $ 1 $ 1 $ 243 0.4 % 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 $10 million at September 30, 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 and nine months ended September 30, 2023, is summarized in the following schedule: Three Months Ended Nine Months Ended Weighted-average term extension Weighted-average interest rate reduction (in percentage points) Weighted-average term extension Commercial: Commercial and industrial 16 — % 12 Owner-occupied 2 4.4 13 Total commercial 14 4.4 12 Commercial real estate: Construction and land development 0 — 5 Term 21 — 17 Total commercial real estate 21 — 16 Consumer: 1 1-4 family residential 217 — 153 Bankcard and other revolving plans 0 — 63 Total consumer loans 217 — 117 Total weighted average financial impact 19 4.4 % 16 1 Primarily relates to a small number of loans 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 September 30, 2023, presented by portfolio segment and loan class. September 30, 2023 (In millions) Current 30-89 days 90+ days Total Total Commercial: Commercial and industrial $ 64 $ — $ — $ — $ 64 Owner-occupied 9 3 — 3 12 Total commercial 73 3 — 3 76 Commercial real estate: Construction and land development 23 — — — 23 Term 128 13 — 13 141 Total commercial real estate 151 13 — 13 164 Consumer: 1-4 family residential 2 — — — 2 Bankcard and other revolving plans 1 — — — 1 Total consumer loans 3 — — — 3 Total $ 227 $ 16 $ — $ 16 $ 243 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: September 30, 2023 (Dollar amounts in millions) Amortized cost Major types of collateral Weighted average LTV 1 Commercial: Commercial and industrial $ 3 Accounts receivable, Inventory 25% Owner-occupied 12 Hospital 29% Total commercial 15 Commercial real estate: Construction and land development 1 Land 56% Term 4 Hotel, Office building 57% Total commercial real estate 5 Total $ 20 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)	9 Months Ended
	Sep. 30, 2023
Summary of Derivative Instruments [Abstract]
Schedule of Derivative Amounts	The following schedule presents information regarding notional amounts and recorded gross fair values at September 30, 2023 and December 31, 2022, and the related gain (loss) of derivative instruments. September 30, 2023 December 31, 2022 Notional amount 1 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 $ 2,550 $ — $ — $ 7,633 $ — $ 1 Cash flow hedges of floating-rate liabilities: Pay-fixed interest rate swaps 500 — — — — — Fair value hedges: Debt hedges: Receive-fixed interest rate swaps — — — 500 — — Asset hedges: Pay-fixed interest rate swaps 4,571 108 — 1,228 84 — Total derivatives designated as hedging instruments 7,621 108 — 9,361 84 1 Derivatives not designated as hedging instruments: Customer interest rate derivatives 1 13,835 515 510 13,670 296 443 Other interest rate derivatives 985 2 — 862 — — Foreign exchange derivatives 234 3 2 605 6 7 Purchased credit derivatives — — — — — — Total derivatives not designated as hedging instruments 15,054 520 512 15,137 302 450 Total derivatives $ 22,675 $ 628 $ 512 $ 24,498 $ 386 $ 451 1 Customer interest rate derivatives include both customer-facing derivative as well as offsetting derivatives facing other dealer banks. The fair value of these derivatives include a net credit valuation adjustment (“CVA”) of $17 million, reducing the fair value of the liability at September 30, 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 were deferred in other comprehensive income (“OCI”) or recognized in earnings for the three and nine months ended September 30, 2023 and 2022 is presented in the schedules below. Three Months Ended September 30, 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 Hedge ineffectiveness/AOCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ — $ — $ — Received-fixed interest rate swaps 7 (41) — — Cash flow hedges of floating-rate liabilities: Pay-fixed interest rate swaps (3) 2 — — Fair value hedges: — Debt hedges: Receive-fixed interest rate swaps — — — — Basis amortization on terminated hedges 2 — — (2) — Asset hedges: Pay-fixed interest rate swaps — — 20 (1) Basis amortization on terminated asset hedges 3 — — — — Total derivatives designated as hedging instruments $ 4 $ (39) $ 18 $ (1) Nine Months Ended September 30, 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 Hedge ineffectiveness/AOCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ — $ — $ — Received-fixed interest rate swaps 24 (131) — — Cash flow hedges of floating-rate liabilities: Pay-fixed interest rate swaps 8 3 — — Fair value hedges: Debt hedges: Receive-fixed interest rate swaps — — (5) — Basis amortization on terminated debt hedges 2 — — (3) — Asset hedges: Pay-fixed interest rate swaps — — 36 (1) Basis amortization on terminated asset hedges 3 — — — — Total derivatives designated as hedging instruments $ 32 $ (128) $ 28 $ (1) Three Months Ended September 30, 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 Hedge ineffectiveness/AOCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ — $ — $ — Interest rate swaps (183) (11) — — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — (1) — Basis amortization on terminated hedges 2 — — — — Fair value hedges of assets: Pay-fixed interest rate swaps — — 1 — Basis amortization on terminated hedges 2 — — — — Total derivatives designated as hedging instruments $ (183) $ (11) $ — $ — Nine Months Ended September 30, 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 Hedge ineffectiveness/AOCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ 2 $ — $ — Interest rate swaps (427) 7 — $ — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — 2 — Basis amortization on terminated hedges 2, 3 — — 1 — Fair value hedges of assets: Pay-fixed interest rate swaps — — (1) $ — Basis amortization on terminated hedges 2, 3 — — — $ — Total derivatives designated as hedging instruments $ (427) $ 9 $ 2 $ — 1 For the 12 months following September 30, 2023, we estimate that $133 million of losses will be reclassified from AOCI into interest income, compared with an estimate of $173 million of losses at September 30, 2022. 2 At September 30, 2023, the total cumulative unamortized basis adjustment for terminated fair value hedges of debt was $48 million. We did not have any cumulative unamortized basis adjustment for terminated hedges of debt at September 30, 2022. We had $3 million and $10 million of cumulative unamortized basis adjustments from terminated fair value hedges of assets at September 30, 2023 and 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 September 30, 2023 Nine Months Ended September 30, 2023 Three Months Ended September 30, 2022 Nine Months Ended September 30, 2022 Derivatives not designated as hedging instruments: Customer-facing interest rate derivatives $ 11 $ 22 $ 11 $ 42 Other interest rate derivatives 1 4 — — Foreign exchange derivatives 8 22 8 21 Purchased credit derivatives — (1) — — Total derivatives not designated as hedging instruments $ 20 $ 47 $ 19 $ 63
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 September 30, 2023 Three Months Ended September 30, 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 $ — $ — $ — $ (25) $ 25 $ — Assets: Pay-fixed interest rate swaps 1, 2 144 (145) (1) 67 (67) — Gain/(loss) recorded in income Nine Months Ended September 30, 2023 Nine Months Ended September 30, 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 $ 14 $ (14) $ — $ (75) $ 75 $ — Assets: Pay-fixed interest rate swaps 1, 2 171 (172) (1) 217 (217) — 1 Consists of hedges of benchmark interest rate risk of fixed-rate long-term debt, fixed-rate AFS securities, and fixed-rate commercial loans. 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) September 30, 2023 December 31, 2022 September 30, 2023 December 31, 2022 September 30, 2023 December 31, 2022 Long-term fixed-rate debt 2 $ — $ (500) $ — $ (435) $ — $ 65 Fixed-rate assets 3 12,550 1,228 12,176 962 (374) (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. 2 We terminated the remaining fair value hedge of debt during the second quarter of 2023. The remaining hedge basis adjustments will be amortized over the life of the associated debt. 3 These amounts include the amortized cost basis of defined portfolios of AFS securities and commercial loans used to designate hedging relationships in which the hedged item is the stated amount of assets in the defined portfolio anticipated to be outstanding for the designated hedged period. At September 30, 2023, the amortized cost basis of the defined portfolios used in these hedging relationships was $11.5 billion; the cumulative basis adjustment associated with these hedging relationships was $103.9 million; and the notional amounts of the designated hedging instruments were $3.5 billion.

Leases (Tables)

Leases (Tables)	9 Months Ended
	Sep. 30, 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) September 30, December 31, 2022 Operating leases ROU assets, net of amortization $ 170 $ 173 Lease liabilities 197 198 Finance leases ROU assets, net of amortization 3 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.4 8.4 Finance leases 16.7 17.4 Weighted average discount rate Operating leases 3.2 % 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 September 30, Nine Months Ended September 30, (In millions) 2023 2022 2023 2022 Lease expense: Operating lease expense $ 11 $ 11 $ 32 $ 35 Other expenses associated with operating leases 1 16 13 46 38 Total lease expense $ 27 $ 24 $ 78 $ 73 Related cash disbursements from operating leases $ 11 $ 12 $ 36 $ 37 1 Other expenses primarily include 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 $ 12 2024 43 2025 34 2026 29 2027 21 Thereafter 91 Total $ 230 1 Contractual maturities for the three months remaining in 2023.

Long-Term Debt and Shareholde_2

Long-Term Debt and Shareholders' Equity (Tables)	9 Months Ended
	Sep. 30, 2023
Debt And Equity [Abstract]
Schedule of Long-term Debt	The following schedule presents the components of our long-term debt. LONG-TERM DEBT (In millions) September 30, December 31, 2022 Subordinated notes 1 $ 536 $ 519 Senior notes — 128 Finance lease obligations 4 4 Total $ 540 $ 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 presents the changes in AOCI by major component. (In millions) Net unrealized gains/(losses) on investment securities Net unrealized gains/(losses) on derivatives and other Pension and post-retirement Total Nine Months Ended September 30, 2023 Balance at December 31, 2022 $ (2,800) $ (311) $ (1) $ (3,112) OCI (loss) before reclassifications, net of tax 1 (11) 16 — 5 Amounts reclassified from AOCI, net of tax — 99 — 99 Other comprehensive income (loss) (11) 115 — 104 Balance at September 30, 2023 $ (2,811) $ (196) $ (1) $ (3,008) Income tax expense (benefit) included in OCI (loss) $ (4) $ 38 $ — $ 34 Nine Months Ended September 30, 2022 Balance at December 31, 2021 $ (78) $ — $ (2) $ (80) OCI (loss) before reclassifications, net of tax (2,729) (324) — (3,053) Amounts reclassified from AOCI, net of tax — (7) — (7) Other comprehensive loss (2,729) (331) — (3,060) Balance at September 30, 2022 $ (2,807) $ (331) $ (2) $ (3,140) Income tax benefit included in OCI (loss) $ (884) $ (107) $ — $ (991) 1 For the nine months ended September 30, 2023, the amounts include $169 million related to the decline in the fair value of fixed-rate AFS securities as a result of higher interest rates, offset by $158 million in unrealized loss amortization associated with the securities transferred from AFS to HTM during the fourth quarter of 2022, respectively.
Reclassification out of Accumulated Other Comprehensive Income	Amounts reclassified from AOCI 1 Statement of income (SI) (In millions) Three Months Ended Nine Months Ended Details about AOCI components 2023 2022 2023 2022 Affected line item Net unrealized gains (losses) on derivative instruments $ (42) $ (11) $ (131) $ 9 SI Interest and fees on loans Less: Income tax expense (benefit) (10) (3) (32) 2 Amounts reclassified from AOCI $ (32) $ (8) $ (99) $ 7 1 Positive reclassification amounts indicate increases to earnings in the income statement.

Commitments, Guarantees, and _2

Commitments, Guarantees, and Contingent Liabilities (Tables)	9 Months Ended
	Sep. 30, 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) September 30, December 31, Unfunded lending commitments 1 $ 29,693 $ 29,628 Standby letters of credit: Financial 549 667 Performance 180 184 Commercial letters of credit 20 11 Mortgage-backed security purchase agreements 2 59 23 Total unfunded commitments $ 30,501 $ 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)	9 Months Ended
	Sep. 30, 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 September 30, 2023 and 2022. Zions Bank CB&T Amegy (In millions) 2023 2022 2023 2022 2023 2022 Commercial account fees $ 14 $ 13 $ 8 $ 7 $ 14 $ 12 Card fees 13 14 5 5 8 8 Retail and business banking fees 5 5 3 3 3 4 Capital markets fees — — — — — — Wealth management fees 7 5 1 1 4 4 Other customer-related fees 2 2 2 2 2 2 Total noninterest income from contracts with customers (ASC 606) 41 39 19 18 31 30 Other noninterest income (non-ASC 606 customer-related) 6 4 7 9 12 11 Total customer-related noninterest income 47 43 26 27 43 41 Other noncustomer-related noninterest income 2 1 2 1 3 — Total noninterest income 49 44 28 28 46 41 Net interest income 167 197 143 154 107 137 Total net revenue $ 216 $ 241 $ 171 $ 182 $ 153 $ 178 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 4 3 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 11 7 6 Other noninterest income (non-ASC 606 customer-related) 1 2 1 1 1 2 Total customer-related noninterest income 10 11 12 12 8 8 Other noncustomer-related noninterest income — 1 — — — — Total noninterest income 10 12 12 12 8 8 Net interest income 66 64 46 50 36 41 Total net revenue $ 76 $ 76 $ 58 $ 62 $ 44 $ 49 TCBW Other Consolidated Bank (In millions) 2023 2022 2023 2022 2023 2022 Commercial account fees $ 1 $ 1 $ (1) $ — $ 43 $ 40 Card fees 1 — (1) 1 37 38 Retail and business banking fees — — — (1) 17 17 Capital markets fees — — 1 1 1 1 Wealth management fees — — — — 14 12 Other customer-related fees — — 7 8 14 15 Total noninterest income from contracts with customers (ASC 606) 2 1 6 9 126 123 Other noninterest income (non-ASC 606 customer-related) — 1 3 3 31 33 Total customer-related noninterest income 2 2 9 12 157 156 Other noncustomer-related noninterest income — — 16 6 23 9 Total noninterest income 2 2 25 18 180 165 Net interest income 15 17 5 3 585 663 Total net revenue $ 17 $ 19 $ 30 $ 21 $ 765 $ 828 The schedule below presents net revenue by our operating business segments for the nine months ended September 30, 2023 and 2022. Zions Bank CB&T Amegy (In millions) 2023 2022 2023 2022 2023 2022 Commercial account fees $ 42 $ 40 $ 24 $ 21 $ 42 $ 33 Card fees 39 41 15 15 24 24 Retail and business banking fees 14 17 8 10 10 12 Capital markets fees — — — — — — Wealth management fees 19 17 3 3 13 12 Other customer-related fees 6 6 6 4 5 5 Total noninterest income from contracts with customers (ASC 606) 120 121 56 53 94 86 Other noninterest income (non-ASC 606 customer-related) 19 15 26 23 29 33 Total customer-related noninterest income 139 136 82 76 123 119 Other noncustomer-related noninterest income 9 3 5 3 20 — Total noninterest income 148 139 87 79 143 119 Net interest income 530 523 454 425 346 369 Total net revenue $ 678 $ 662 $ 541 $ 504 $ 489 $ 488 NBAZ NSB Vectra (In millions) 2023 2022 2023 2022 2023 2022 Commercial account fees $ 7 $ 7 $ 9 $ 8 $ 5 $ 6 Card fees 11 11 12 11 7 7 Retail and business banking fees 6 7 7 8 3 3 Capital markets fees — — — — — — Wealth management fees 3 2 4 4 1 1 Other customer-related fees 1 1 1 1 3 2 Total noninterest income from contracts with customers (ASC 606) 28 28 33 32 19 19 Other noninterest income (non-ASC 606 customer-related) 2 4 1 5 2 5 Total customer-related noninterest income 30 32 34 37 21 24 Other noncustomer-related noninterest income 1 2 — — — — Total noninterest income 31 34 34 37 21 24 Net interest income 194 170 145 126 115 109 Total net revenue $ 225 $ 204 $ 179 $ 163 $ 136 $ 133 TCBW Other Consolidated Bank (In millions) 2023 2022 2023 2022 2023 2022 Commercial account fees $ 2 $ 1 $ — $ 2 $ 131 $ 118 Card fees 1 1 1 — 110 110 Retail and business banking fees — — 1 (1) 49 56 Capital markets fees — — 2 3 2 3 Wealth management fees — — (2) — 41 39 Other customer-related fees 1 1 22 25 45 45 Total noninterest income from contracts with customers (ASC 606) 4 3 24 29 378 371 Other noninterest income (non-ASC 606 customer-related) 1 2 12 3 92 90 Total customer-related noninterest income 5 5 36 32 470 461 Other noncustomer-related noninterest income — — 24 10 59 18 Total noninterest income 5 5 60 42 529 479 Net interest income 46 46 25 32 1,855 1,800 Total net revenue $ 51 $ 51 $ 85 $ 74 $ 2,384 $ 2,279

Net Earnings Per Common Share (

Net Earnings Per Common Share (Tables)	9 Months Ended
	Sep. 30, 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 Nine Months Ended (In millions, except shares and per share amounts) 2023 2022 2023 2022 Basic: Net income $ 175 $ 217 $ 554 $ 623 Less common and preferred dividends 68 68 206 199 Undistributed earnings 107 149 348 424 Less undistributed earnings applicable to nonvested shares 1 1 3 4 Undistributed earnings applicable to common shares 106 148 345 420 Distributed earnings applicable to common shares 61 61 182 176 Total earnings applicable to common shares $ 167 $ 209 $ 527 $ 596 Weighted average common shares outstanding (in thousands) 147,648 149,628 147,784 150,510 Net earnings per common share $ 1.13 $ 1.40 $ 3.57 $ 3.96 Diluted: Total earnings applicable to common shares $ 167 $ 209 $ 527 $ 596 Weighted average common shares outstanding (in thousands) 147,648 149,628 147,784 150,510 Dilutive effect of stock options (in thousands) 5 164 10 256 Weighted average diluted common shares outstanding (in thousands) 147,653 149,792 147,794 150,766 Net earnings per common share $ 1.13 $ 1.40 $ 3.57 $ 3.96
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 Nine Months Ended (In thousands) 2023 2022 2023 2022 Restricted stock and restricted stock units 1,398 1,245 1,385 1,274 Stock options 1,441 305 1,401 170

Operating Segment Information (

Operating Segment Information (Tables)	9 Months Ended
	Sep. 30, 2023
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment	The following schedule presents selected operating segment information for the three months ended September 30, 2023 and 2022: Zions Bank CB&T Amegy (In millions) 2023 2022 2023 2022 2023 2022 SELECTED INCOME STATEMENT DATA Net interest income $ 167 $ 197 $ 143 $ 154 $ 107 $ 137 Provision for credit losses 1 35 24 19 7 15 Net interest income after provision for credit losses 166 162 119 135 100 122 Noninterest income 49 44 28 28 46 41 Noninterest expense 130 125 91 86 93 90 Income (loss) before income taxes $ 85 $ 81 $ 56 $ 77 $ 53 $ 73 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 14,382 $ 13,448 $ 14,195 $ 13,100 $ 12,892 $ 12,176 Total average deposits 20,041 23,634 14,335 16,096 13,997 15,531 NBAZ NSB Vectra (In millions) 2023 2022 2023 2022 2023 2022 SELECTED INCOME STATEMENT DATA Net interest income $ 66 $ 64 $ 46 $ 50 $ 36 $ 41 Provision for credit losses 3 — 7 1 (1) 2 Net interest income after provision for credit losses 63 64 39 49 37 39 Noninterest income 10 12 12 12 8 8 Noninterest expense 44 44 40 39 32 31 Income (loss) before income taxes $ 29 $ 32 $ 11 $ 22 $ 13 $ 16 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 5,364 $ 4,913 $ 3,420 $ 3,052 $ 4,011 $ 3,722 Total average deposits 7,002 8,090 7,059 7,479 3,463 4,100 TCBW Other Consolidated Bank (In millions) 2023 2022 2023 2022 2023 2022 SELECTED INCOME STATEMENT DATA Net interest income $ 15 $ 17 $ 5 $ 3 $ 585 $ 663 Provision for credit losses 2 — (2) (1) 41 71 Net interest income after provision for credit losses 13 17 7 4 544 592 Noninterest income 2 2 25 18 180 165 Noninterest expense 6 6 60 58 496 479 Income (loss) before income taxes $ 9 $ 13 $ (28) $ (36) $ 228 $ 278 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 1,697 $ 1,633 $ 1,007 $ 909 $ 56,968 $ 52,953 Total average deposits 1,138 1,585 8,608 948 75,643 77,463 The following schedule presents selected operating segment information for the nine months ended September 30, 2023 and 2022: Zions Bank CB&T Amegy (In millions) 2023 2022 2023 2022 2023 2022 SELECTED INCOME STATEMENT DATA Net interest income $ 530 $ 523 $ 454 $ 425 $ 346 $ 369 Provision for credit losses 32 35 39 40 30 (7) Net interest income after provision for credit losses 498 488 415 385 316 376 Noninterest income 148 139 87 79 143 119 Noninterest expense 403 373 277 254 291 264 Income (loss) before income taxes $ 243 $ 254 $ 225 $ 210 $ 168 $ 231 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 14,205 $ 13,130 $ 14,122 $ 12,948 $ 12,872 $ 11,970 Total average deposits 20,058 24,920 14,103 16,407 13,055 16,062 NBAZ NSB Vectra (In millions) 2023 2022 2023 2022 2023 2022 SELECTED INCOME STATEMENT DATA Net interest income $ 194 $ 170 $ 145 $ 126 $ 115 $ 109 Provision for credit losses 7 2 18 1 5 8 Net interest income after provision for credit losses 187 168 127 125 110 101 Noninterest income 31 34 34 37 21 24 Noninterest expense 136 125 123 113 99 90 Income (loss) before income taxes $ 82 $ 77 $ 38 $ 49 $ 32 $ 35 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 5,253 $ 4,859 $ 3,392 $ 2,929 $ 3,997 $ 3,550 Total average deposits 7,018 8,164 6,887 7,487 3,479 4,195 TCBW Other Consolidated Bank (In millions) 2023 2022 2023 2022 2023 2022 SELECTED INCOME STATEMENT DATA Net interest income $ 46 $ 46 $ 25 $ 32 $ 1,855 $ 1,800 Provision for credit losses 4 — (3) — 132 79 Net interest income after provision for credit losses 42 46 28 32 1,723 1,721 Noninterest income 5 5 60 42 529 479 Noninterest expense 18 18 169 170 1,516 1,407 Income (loss) before income taxes $ 29 $ 33 $ (81) $ (96) $ 736 $ 793 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 1,699 $ 1,601 $ 1,063 $ 910 $ 56,603 $ 51,897 Total average deposits 1,206 1,571 6,030 1,164 71,836 79,970

Basis of Presentation (Details)

Basis of Presentation (Details)	9 Months Ended
	Sep. 30, 2023 segment state
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Number of states in which entity operates | state	11
Number of bank operating segments | segment	7

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	Sep. 30, 2023	Dec. 31, 2022
ASSETS
Investment securities, available-for-sale	$ 10,148	$ 11,915
Trading securities	31	465
Total assets	11,583	13,525
LIABILITIES
Securities sold, not yet purchased	34	187
Total liabilities	546	638
U.S. Treasury, agencies, and corporations
ASSETS
Investment securities, available-for-sale	8,827	10,208
Municipal securities
ASSETS
Investment securities, available-for-sale	1,297	1,634
Other debt securities
ASSETS
Investment securities, available-for-sale	24	73
Bank-owned life insurance
ASSETS
Other noninterest-bearing investments	551	546
Private equity investments
ASSETS
Other noninterest-bearing investments	92	85
Agriculture loan servicing
ASSETS
Other assets	17	14
Derivatives
ASSETS
Other assets	628	386
LIABILITIES
Other liabilities	512	451
Level 1
ASSETS
Investment securities, available-for-sale	460	393
Trading securities		395
Total assets	579	906
LIABILITIES
Securities sold, not yet purchased	34	187
Total liabilities	34	187
Level 1 | U.S. Treasury, agencies, and corporations
ASSETS
Investment securities, available-for-sale	460	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
ASSETS
Other assets
Level 1 | Derivatives
ASSETS
Other assets
LIABILITIES
Other liabilities
Level 2
ASSETS
Investment securities, available-for-sale	9,688	11,522
Trading securities	31	70
Total assets	10,898	12,524
LIABILITIES
Securities sold, not yet purchased	0	0
Total liabilities	512	451
Level 2 | U.S. Treasury, agencies, and corporations
ASSETS
Investment securities, available-for-sale	8,367	9,815
Level 2 | Municipal securities
ASSETS
Investment securities, available-for-sale	1,297	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	551	546
Level 2 | Private equity investments
ASSETS
Other noninterest-bearing investments
Level 2 | Agriculture loan servicing
ASSETS
Other assets
Level 2 | Derivatives
ASSETS
Other assets	628	386
LIABILITIES
Other liabilities	512	451
Level 3
ASSETS
Investment securities, available-for-sale	0	0
Trading securities
Total assets	106	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	89	81
Level 3 | Agriculture loan servicing
ASSETS
Other assets	17	14
Level 3 | Derivatives
ASSETS
Other assets
LIABILITIES
Other liabilities
Deferred compensation plan assets | Deferred compensation plan assets
ASSETS
Other assets	116	114
Deferred compensation plan assets | Level 1 | Deferred compensation plan assets
ASSETS
Other assets	116	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		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Private equity investments
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair value of assets, Beginning balance	$ 84	$ 77	$ 81	$ 66
Unrealized securities gains (losses), net	2	2	(1)	7
Other noninterest income (expense)	0	0	0	0
Purchases	3	2	9	11
Cost of investments sold	0	0	0	(3)
Transfers out	0	0	0	0
Fair value of assets, Ending balance	89	81	89	81
Ag loan servicing
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair value of assets, Beginning balance	17	12	14	12
Unrealized securities gains (losses), net	0	0	0	0
Other noninterest income (expense)	0	0	4	0
Purchases	0	0	(1)	0
Cost of investments sold	0	0	0	0
Transfers out	0	0	0	0
Fair value of assets, Ending balance	$ 17	$ 12	$ 17	$ 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		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Level 3
Fair Value, Measured on Recurring Basis, Gain (Loss) Included in Earnings [Line Items]
Securities gains (losses), net	$ 0	$ 0	$ 0	$ (2)

Fair Value (Narrative) (Details

Fair Value (Narrative) (Details) - USD ($) $ in Millions	9 Months Ended	12 Months Ended
	Sep. 30, 2023	Dec. 31, 2022
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Total assets	$ 11,583	$ 13,525
Level 2
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Total assets	10,898	12,524
Level 2 | Fair Value, Nonrecurring | Collateral Dependent Loans
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Total assets	1
Gains (losses) from fair value changes	$ 2	$ 0

Fair Value (Schedule of Carryin

Fair Value (Schedule of Carrying Values and Estimated Fair Values of Financial Instruments) (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Held-to-maturity investment securities	$ 10,049	$ 11,239
Time deposits	11,576	2,309
Long-term debt	540	651
Level 2 | Carrying value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Held-to-maturity investment securities	10,559	11,126
Time deposits	11,576	2,309
Long-term debt	540	651
Level 2 | Fair value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Held-to-maturity investment securities	10,049	11,239
Time deposits	11,519	2,269
Long-term debt	475	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	56,253	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	$ 53,372	$ 53,093

Offsetting Assets and Liabili_3

Offsetting Assets and Liabilities (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Gross amounts recognized
Federal funds sold and securities purchased under agreements to resell	$ 1,427	$ 2,451
Derivatives (included in other assets)	628	386
Total assets	2,055	2,837
Federal funds and other short-term borrowings	4,346	10,442
Derivatives (included in other liabilities)	512	451
Total liabilities	4,858	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	1,427	2,426
Derivatives (included in other assets)	628	386
Total assets	2,055	2,812
Federal funds and other short-term borrowings	4,346	10,417
Derivatives (included in other liabilities)	512	451
Total liabilities	4,858	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)	(2)	(10)
Total assets	(2)	(10)
Federal funds and other short-term borrowings	0	0
Derivatives (included in other liabilities)	(2)	(10)
Total liabilities	(2)	(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)	(621)	(367)
Total assets	(621)	(367)
Federal funds and other short-term borrowings	0	0
Derivatives (included in other liabilities)	(1)	0
Total liabilities	(1)	0
Net amount
Federal funds sold and securities purchased under agreements to resell	1,427	2,426
Derivatives (included in other assets)	5	9
Total assets	1,432	2,435
Federal funds and other short-term borrowings	4,346	10,417
Derivatives (included in other liabilities)	509	441
Total liabilities	$ 4,855	$ 10,858

Investments (Narrative) (Detail

Investments (Narrative) (Details) $ in Millions	Sep. 30, 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
Unamortized discount of held-to-maturity securities	2,200
Unamortized discount of held-to-maturity securities, after tax	$ 1,600
Number of AFS investment securities in an unrealized loss position | security	3,129	3,562
Allowance for credit loss on HTM securities (less than)	$ 1
Available-for-sale, at fair value	10,148	$ 11,915
Securities Investment
Debt and Equity Securities, FV-NI [Line Items]
Accrued interest receivable	$ 60	$ 75

Investments (Summary of Investm

Investments (Summary of Investment Securities) (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Amortized cost
Held-to-maturity	$ 10,559	$ 11,126
Available-for-sale	12,078	13,538
Total HTM and AFS investment securities	22,637	24,664
Gross unrealized gains 1
Held-to-maturity	0	165
Available-for-sale	0	2
Total HTM and AFS investment securities	0	167
Gross unrealized losses
Held-to-maturity	510	52
Available-for-sale	1,930	1,625
Estimated fair value
Held-to-maturity, Estimated fair value	10,049	11,239
Available-for-sale	10,148	11,915
Total HTM and AFS investment securities	20,197	23,154
Total HTM and AFS investment securities	2,440	1,677
Agency securities
Amortized cost
Held-to-maturity	94	100
Available-for-sale	692	782
Gross unrealized gains 1
Held-to-maturity	0	0
Available-for-sale	0	0
Gross unrealized losses
Held-to-maturity	8	7
Available-for-sale	47	46
Estimated fair value
Held-to-maturity, Estimated fair value	86	93
Available-for-sale	645	736
Agency guaranteed mortgage-backed securities
Amortized cost
Held-to-maturity	10,106	10,621
Available-for-sale	8,739	9,652
Gross unrealized gains 1
Held-to-maturity	0	165
Available-for-sale	0	0
Gross unrealized losses
Held-to-maturity	469	14
Available-for-sale	1,595	1,285
Estimated fair value
Held-to-maturity, Estimated fair value	9,637	10,772
Available-for-sale	7,144	8,367
Municipal securities
Amortized cost
Held-to-maturity	359	405
Available-for-sale	1,431	1,732
Gross unrealized gains 1
Held-to-maturity	0	0
Available-for-sale	0	1
Gross unrealized losses
Held-to-maturity	33	31
Available-for-sale	134	99
Estimated fair value
Held-to-maturity, Estimated fair value	326	374
Available-for-sale	1,297	1,634
U.S. Treasury securities
Amortized cost
Available-for-sale	585	557
Gross unrealized gains 1
Available-for-sale	0	0
Gross unrealized losses
Available-for-sale	125	164
Estimated fair value
Available-for-sale	460	393
Small Business Administration loan-backed securities
Amortized cost
Available-for-sale	606	740
Gross unrealized gains 1
Available-for-sale	0	1
Gross unrealized losses
Available-for-sale	28	29
Estimated fair value
Available-for-sale	578	712
Other debt securities
Amortized cost
Available-for-sale	25	75
Gross unrealized gains 1
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	Sep. 30, 2023	Dec. 31, 2022
Amortized cost
Total debt securities	$ 10,559
Due in one year or less	26
Due after one year through five years	129
Due after five years through ten years	215
Due after ten years	$ 10,189
Average yield
Total debt securities	1.91%
Due in one year or less	2.77%
Due after one year through five years	2.96%
Due after five years through ten years	3.09%
Due after ten years	1.87%
Amortized cost
Available-for-sale	$ 12,078	$ 13,538
Due in one year or less	425
Due after one year through five years	880
Due after five years through ten years	2,518
Due after ten years	$ 8,255
Average yield
Total debt securities	2.31%
Due in one year or less	3.32%
Due after one year through five years	2.59%
Due after five years through ten years	2.24%
Due after ten years	2.25%
Amortized cost
Total HTM and AFS investment securities	$ 22,637	24,664
Due in one year or less	451
Due after one year through five years	1,009
Due after five years through ten years	2,733
Due after ten years	$ 18,444
Average yield
Total debt securities	2.12%
Due in one year or less	3.29%
Due after one year through five years	2.64%
Due after five years through ten years	2.31%
Due after ten years	2.04%
Agency securities
Amortized cost
Total debt securities	$ 94
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	$ 94
Average yield
Total debt securities	3.54%
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	3.54%
Amortized cost
Available-for-sale	$ 692	782
Due in one year or less	111
Due after one year through five years	184
Due after five years through ten years	210
Due after ten years	$ 187
Average yield
Total debt securities	2.66%
Due in one year or less	0.95%
Due after one year through five years	3.13%
Due after five years through ten years	2.70%
Due after ten years	3.15%
Agency guaranteed mortgage-backed securities
Amortized cost
Total debt securities	$ 10,106
Due in one year or less	0
Due after one year through five years	0
Due after five years through ten years	46
Due after ten years	$ 10,060
Average yield
Total debt securities	1.85%
Due in one year or less	0%
Due after one year through five years	0%
Due after five years through ten years	1.95%
Due after ten years	1.85%
Amortized cost
Available-for-sale	$ 8,739	9,652
Due in one year or less	4
Due after one year through five years	199
Due after five years through ten years	1,459
Due after ten years	$ 7,077
Average yield
Total debt securities	2.01%
Due in one year or less	3.09%
Due after one year through five years	1.57%
Due after five years through ten years	2.12%
Due after ten years	2%
Municipal securities
Amortized cost
Total debt securities	$ 359
Due in one year or less	26
Due after one year through five years	129
Due after five years through ten years	169
Due after ten years	$ 35
Average yield
Total debt securities	3.17%
Due in one year or less	2.77%
Due after one year through five years	2.96%
Due after five years through ten years	3.40%
Due after ten years	3.10%
Amortized cost
Available-for-sale	$ 1,431	1,732
Due in one year or less	125
Due after one year through five years	469
Due after five years through ten years	698
Due after ten years	$ 139
Average yield
Total debt securities	2.18%
Due in one year or less	2.50%
Due after one year through five years	2.61%
Due after five years through ten years	1.84%
Due after ten years	2.10%
Small Business Administration loan-backed securities
Amortized cost
Available-for-sale	$ 606	740
Due in one year or less	1
Due after one year through five years	28
Due after five years through ten years	141
Due after ten years	$ 436
Average yield
Total debt securities	5.37%
Due in one year or less	3.96%
Due after one year through five years	6.08%
Due after five years through ten years	4.35%
Due after ten years	5.66%
U.S. Treasury securities
Amortized cost
Available-for-sale	$ 585	557
Due in one year or less	184
Due after one year through five years	0
Due after five years through ten years	0
Due after ten years	$ 401
Average yield
Total debt securities	3.28%
Due in one year or less	5.31%
Due after one year through five years	0%
Due after five years through ten years	0%
Due after ten years	2.35%
Other debt securities
Amortized cost
Available-for-sale	$ 25	$ 75
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	8.74%
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	8.23%

Investments (Summary of Amount

Investments (Summary of Amount of Gross Unrealized Losses for Debt Securities and Estimated Fair Value) (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Gross unrealized losses
Total investment securities, less than 12 months	$ 95	$ 653
Total investment securities, 12 months or more	1,835	972
Total investment securities, total	1,930	1,625
Estimated fair value
Total investment securities, less than 12 months	559	6,673
Total investment securities, 12 months or more	9,230	5,009
Total investment securities, total	9,789	11,682
Municipal securities
Gross unrealized losses
Available-for-sale, less than 12 Months	6	63
Available-for-sale, 12 Months or more	128	36
Available-for-sale, total	134	99
Estimated fair value
Available-for-sale, less than 12 Months	229	1,295
Available-for-sale, 12 months or more	1,050	256
Available-for-sale, total	1,279	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	125	70
Available-for-sale, total	125	164
Estimated fair value
Available-for-sale, less than 12 Months	0	308
Available-for-sale, 12 months or more	276	85
Available-for-sale, total	276	393
Agency securities
Gross unrealized losses
Available-for-sale, less than 12 Months	0	39
Available-for-sale, 12 Months or more	47	7
Available-for-sale, total	47	46
Estimated fair value
Available-for-sale, less than 12 Months	1	634
Available-for-sale, 12 months or more	621	102
Available-for-sale, total	622	736
Agency guaranteed mortgage-backed securities
Gross unrealized losses
Available-for-sale, less than 12 Months	89	447
Available-for-sale, 12 Months or more	1,506	838
Available-for-sale, total	1,595	1,285
Estimated fair value
Available-for-sale, less than 12 Months	305	4,322
Available-for-sale, 12 months or more	6,779	4,042
Available-for-sale, total	7,084	8,364
Small Business Administration loan-backed securities
Gross unrealized losses
Available-for-sale, less than 12 Months	0	8
Available-for-sale, 12 Months or more	28	21
Available-for-sale, total	28	29
Estimated fair value
Available-for-sale, less than 12 Months	24	101
Available-for-sale, 12 months or more	490	524
Available-for-sale, total	514	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		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Investments [Abstract]
Available-for-sale, gross gains	$ 0	$ 0	$ 72	$ 0
Available-for-sale, gross losses	0	0	73	0
Trading, gross gains	1	0	11	0
Trading, gross losses	1	0	10	0
Other noninterest-bearing investments, Nonmarketable equity securities, Gross gains	6	6	19	10
Other noninterest-bearing investments, Nonmarketable equity securities, Gross losses	2	0	14	20
Gross gains	7	6	102	10
Gross losses	3	0	97	20
Securities gains (losses), net	$ 4	$ 6	$ 5	$ (10)

Investments (Rollforward of Tot

Investments (Rollforward of Total Amount of Credit-Related OTTI) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Net Investment Income [Line Items]
Held-to-maturity	$ 59	$ 3	$ 181	$ 10
Available-for-sale	85	126	237	350
Trading	0	3	1	12
Total securities	144	132	419	372
Taxable
Net Investment Income [Line Items]
Held-to-maturity	58	2	178	7
Available-for-sale	76	115	214	320
Trading	0	0	0	0
Total securities	134	117	392	327
Nontaxable
Net Investment Income [Line Items]
Held-to-maturity	1	1	3	3
Available-for-sale	9	11	23	30
Trading	0	3	1	12
Total securities	$ 10	$ 15	$ 27	$ 45

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	Sep. 30, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans held for sale	$ 41	$ 8
Total loans and leases	56,893	55,653
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	30,208	30,495
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	16,341	16,377
Commercial | Leasing
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	373	386
Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	9,273	9,371
Commercial | Municipal
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	4,221	4,361
Commercial | PPP
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	106	197
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	13,140	12,739
Commercial real estate | Construction and land development
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	2,575	2,513
Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	10,565	10,226
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	13,545	12,419
Consumer | Home equity credit line
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	3,313	3,377
Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	8,116	7,286
Consumer | Construction and other consumer real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	1,510	1,161
Consumer | Bankcard and other revolving plans
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	475	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		9 Months Ended		12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Financing Receivable, Allowance for Credit Losses [Line Items]
Net unamortized purchase premiums, discounts, and deferred loan fees and cost	$ 34,000,000		$ 34,000,000		$ 49,000,000
Accrued interest receivable	$ 290,000,000		$ 290,000,000		$ 247,000,000
Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Other assets		Other assets		Other assets
Total loans	$ 56,893,000,000		$ 56,893,000,000		$ 55,653,000,000
Loans held for sale	41,000,000		41,000,000		8,000,000
Principal balance of loans sold, serviced loans	3,400,000,000		3,400,000,000		3,500,000,000
Total income from loans sold	8,000,000	$ 2,000,000	15,000,000	$ 12,000,000
Interest income	0	$ 0	0	$ 0
Financing receivable, commitments threshold for evaluating collectively or individually	1,000,000		1,000,000
Amortized cost basis	123,000,000		243,000,000		235,000,000
Unfunded lending commitments on troubled debt restructuring	10,000,000		10,000,000		7,000,000
Loans and leases, net of unearned income and fees	56,893,000,000		56,893,000,000		55,653,000,000
Financing receivable, modifications, subsequent default, recorded investment					10,000,000
Real estate acquired through foreclosure	0		0		0
Mortgage loans in process of foreclosure	11,000,000		11,000,000		10,000,000
Principal forgiveness
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis	1,000,000		1,000,000		7,000,000
Interest Rate Below Market Reduction
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost of TDRs					63,000,000
Asset Pledged as Collateral without Right
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans held for sale	37,200,000,000		37,200,000,000		27,600,000,000
Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis					38,000,000
Nonaccruing | Principal forgiveness
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis					1,000,000
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	30,208,000,000		30,208,000,000		30,495,000,000
Amortized cost basis	39,000,000		76,000,000
Commercial | Principal forgiveness
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis			0
Commercial | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis					23,000,000
Commercial | Nonaccruing | Principal forgiveness
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis					0
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	13,140,000,000		13,140,000,000		12,739,000,000
Amortized cost basis	83,000,000		164,000,000
Commercial real estate | Principal forgiveness
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis			0
Commercial real estate | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis					10,000,000
Commercial real estate | Nonaccruing | Principal forgiveness
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis					0
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	13,545,000,000		13,545,000,000		12,419,000,000
Amortized cost basis	1,000,000		3,000,000
Consumer | Principal forgiveness
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis			1,000,000
Consumer | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis					5,000,000
Consumer | Nonaccruing | Principal forgiveness
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis					1,000,000
Commercial Mortgage-Backed Securities
Financing Receivable, Allowance for Credit Losses [Line Items]
Principal balance of loans sold, serviced loans	3,000,000,000		3,000,000,000
Total income from loans sold	4,000,000
Land Acquisition and Development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	205,000,000		205,000,000		262,000,000
Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	16,341,000,000		16,341,000,000		16,377,000,000
Amortized cost basis	$ 36,000,000		64,000,000
Commercial and industrial | Commercial | Principal forgiveness
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis			$ 0
Commercial and industrial | Commercial | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis					15,000,000
Commercial and industrial | Commercial | Nonaccruing | Principal forgiveness
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis					$ 0

Loans, Leases, and Allowance _5

Loans, Leases, and Allowance for Credit Losses (Loans Held For Sale) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Receivables [Abstract]
Loans added to held for sale	$ 183	$ 96	$ 489	$ 583
Loans sold from held for sale	$ 204	$ 112	$ 480	$ 635

Loans, Leases, and Allowance _6

Loans, Leases, and Allowance for Credit Losses (Summary of Changes in the Allowance for Credit Losses) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Allowance for loan losses
Balance at beginning of period	$ 651	$ 508	$ 575	$ 513
Provision for loan and lease losses	44	60	136	70
Total	20	38	49	73
Recoveries	6	11	22	31
Net loan and lease charge-offs (recoveries)	14	27	27	42
Balance at end of period	681	541	681	541
Reserve for unfunded lending commitments
Balance at beginning of period	60	38	61	40
Provision for unfunded lending commitments	(3)	11	(4)	9
Balance at end of period	57	49	57	49
Total allowance for credit losses	738	590	738	590
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	323	286	300	311
Provision for loan and lease losses	3	41	37	29
Total	12	37	35	65
Recoveries	5	6	17	21
Net loan and lease charge-offs (recoveries)	7	31	18	44
Balance at end of period	319	296	319	296
Reserve for unfunded lending commitments
Balance at beginning of period	20	13	16	19
Provision for unfunded lending commitments	1	3	5	(3)
Balance at end of period	21	16	21	16
Total allowance for credit losses	340	312	340	312
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	181	114	156	107
Provision for loan and lease losses	44	17	73	24
Total	3	0	3	0
Recoveries	0	0	0	0
Net loan and lease charge-offs (recoveries)	3	0	3	0
Balance at end of period	222	131	222	131
Reserve for unfunded lending commitments
Balance at beginning of period	29	15	33	11
Provision for unfunded lending commitments	(1)	7	(5)	11
Balance at end of period	28	22	28	22
Total allowance for credit losses	250	153	250	153
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	147	108	119	95
Provision for loan and lease losses	(3)	2	26	17
Total	5	1	11	8
Recoveries	1	5	5	10
Net loan and lease charge-offs (recoveries)	4	(4)	6	(2)
Balance at end of period	140	114	140	114
Reserve for unfunded lending commitments
Balance at beginning of period	11	10	12	10
Provision for unfunded lending commitments	(3)	1	(4)	1
Balance at end of period	8	11	8	11
Total allowance for credit losses	$ 148	$ 125	148	$ 125
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 _7

Loans, Leases, and Allowance for Credit Losses (Summary of Nonaccrual Loans) (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans held for sale, Amortized cost basis with no allowance	$ 17
Loans held for sale, Amortized cost basis with allowance	0
Loans held for sale, Total amortized cost basis	17
Loans held for sale, Related allowance	0
Amortized cost basis with no allowance	85	$ 31
Amortized cost basis with allowance	114	118
Nonaccrual loans that are current	199	149
Related allowance	33	35
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	27	21
Amortized cost basis with allowance	59	66
Nonaccrual loans that are current	86	87
Related allowance	17	28
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	9	8
Amortized cost basis with allowance	50	55
Nonaccrual loans that are current	59	63
Related allowance	16	27
Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	18	13
Amortized cost basis with allowance	9	11
Nonaccrual loans that are current	27	24
Related allowance	1	1
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	52	0
Amortized cost basis with allowance	10	14
Nonaccrual loans that are current	62	14
Related allowance	3	2
Commercial real estate | Construction and land development
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	22
Amortized cost basis with allowance	0
Nonaccrual loans that are current	22
Related allowance	0
Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	30	0
Amortized cost basis with allowance	10	14
Nonaccrual loans that are current	40	14
Related allowance	3	2
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	6	10
Amortized cost basis with allowance	45	38
Nonaccrual loans that are current	51	48
Related allowance	13	5
Consumer | Home equity credit line
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	1	1
Amortized cost basis with allowance	15	10
Nonaccrual loans that are current	16	11
Related allowance	7	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	30	28
Nonaccrual loans that are current	35	37
Related allowance	$ 6	$ 3

Loans, Leases, and Allowance _8

Loans, Leases, and Allowance for Credit Losses (Summary of Accrued Interest Receivables Reversed) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Financing Receivable, Past Due [Line Items]
Accrued interest receivable written off	$ 4	$ 4	$ 10	$ 12
Amortized cost basis	123		243		$ 235
Interest rate reduction
Financing Receivable, Past Due [Line Items]
Amortized cost basis	0		4
Maturity or term extension
Financing Receivable, Past Due [Line Items]
Amortized cost basis	121		236
Multiple modification types
Financing Receivable, Past Due [Line Items]
Amortized cost basis	1		1		$ 74
Commercial
Financing Receivable, Past Due [Line Items]
Accrued interest receivable written off	2	3	7	11
Amortized cost basis	39		76
Commercial | Interest rate reduction
Financing Receivable, Past Due [Line Items]
Amortized cost basis	0		4
Commercial | Maturity or term extension
Financing Receivable, Past Due [Line Items]
Amortized cost basis	38		71
Commercial | Multiple modification types
Financing Receivable, Past Due [Line Items]
Amortized cost basis	0		0
Commercial | Commercial and industrial
Financing Receivable, Past Due [Line Items]
Amortized cost basis	36		64
Commercial | Commercial and industrial | Interest rate reduction
Financing Receivable, Past Due [Line Items]
Amortized cost basis	0		0
Commercial | Commercial and industrial | Maturity or term extension
Financing Receivable, Past Due [Line Items]
Amortized cost basis	35		63
Commercial | Commercial and industrial | Multiple modification types
Financing Receivable, Past Due [Line Items]
Amortized cost basis	0		0
Commercial real estate
Financing Receivable, Past Due [Line Items]
Accrued interest receivable written off	2	1	2	1
Amortized cost basis	83		164
Commercial real estate | Interest rate reduction
Financing Receivable, Past Due [Line Items]
Amortized cost basis	0		0
Commercial real estate | Maturity or term extension
Financing Receivable, Past Due [Line Items]
Amortized cost basis	83		164
Commercial real estate | Multiple modification types
Financing Receivable, Past Due [Line Items]
Amortized cost basis	0		0
Consumer
Financing Receivable, Past Due [Line Items]
Accrued interest receivable written off	0	$ 0	1	$ 0
Amortized cost basis	1		3
Consumer | Interest rate reduction
Financing Receivable, Past Due [Line Items]
Amortized cost basis	0		0
Consumer | Maturity or term extension
Financing Receivable, Past Due [Line Items]
Amortized cost basis	0		1
Consumer | Multiple modification types
Financing Receivable, Past Due [Line Items]
Amortized cost basis	$ 1		$ 1

Loans, Leases, and Allowance _9

Loans, Leases, and Allowance for Credit Losses (Summary of Past Due Loans (Accruing and Nonaccruing)) (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	$ 56,893	$ 55,653
90+ days past due	16	6
Nonaccrual loans that are current	199	149
Loans and leases, net of unearned income and fees	56,893	55,653
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	30,208	30,495
90+ days past due	14	5
Nonaccrual loans that are current	86	87
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	13,140	12,739
90+ days past due	1	0
Nonaccrual loans that are current	62	14
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	13,545	12,419
90+ days past due	1	1
Nonaccrual loans that are current	51	48
Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	16,341	16,377
90+ days past due	3	4
Nonaccrual loans that are current	59	63
Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	373	386
90+ days past due	0	0
Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	9,273	9,371
90+ days past due	11	1
Nonaccrual loans that are current	27	24
Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	4,221	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	2,575	2,513
90+ days past due	0	0
Nonaccrual loans that are current	22
Loans and leases, net of unearned income and fees	23
Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	10,565	10,226
90+ days past due	1	0
Nonaccrual loans that are current	40	14
Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	3,313	3,377
90+ days past due	0	0
Nonaccrual loans that are current	16	11
1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	8,116	7,286
90+ days past due	0	0
Nonaccrual loans that are current	35	37
Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1,510	1,161
90+ days past due	0	0
Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	475	471
90+ days past due	1	1
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	56,709	55,491
Current | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	30,123	30,422
Current | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	13,089	12,690
Current | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	13,497	12,379
Current | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	16,282	16,331
Current | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	373	386
Current | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	9,254	9,344
Current | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	4,214	4,361
Current | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	2,568	2,511
Loans and leases, net of unearned income and fees	23
Current | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	10,521	10,179
Current | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	3,300	3,369
Current | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	8,085	7,258
Current | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1,510	1,161
Current | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	472	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	184	162
Total past due | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	85	73
Total past due | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	51	49
Total past due | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	48	40
Total past due | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	59	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	19	27
Total past due | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	7	0
Total past due | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	7	2
Loans and leases, net of unearned income and fees	0
Total past due | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	44	47
Total past due | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	13	8
Total past due | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	31	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	3	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	126	100
30-89 days past due | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	58	44
30-89 days past due | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	47	39
30-89 days past due | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	21	17
30-89 days past due | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	45	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	6	20
30-89 days past due | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	7	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
Loans and leases, net of unearned income and fees	0
30-89 days past due | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	42	37
30-89 days past due | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	7	5
30-89 days past due | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	11	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	2	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	58	62
90+ days past due | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	27	29
90+ days past due | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	4	10
90+ days past due | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	27	23
90+ days past due | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	14	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	13	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	2	0
Loans and leases, net of unearned income and fees	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	6	3
90+ days past due | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	20	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	117	86
Nonaccrual loans that are current | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	64	60
Nonaccrual loans that are current | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	33	4
Nonaccrual loans that are current | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	20	22
Nonaccrual loans that are current | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	40	45
Nonaccrual loans that are current | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	0	0
Nonaccrual loans that are current | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	24	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	21	0
Nonaccrual loans that are current | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	12	4
Nonaccrual loans that are current | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	8	6
Nonaccrual loans that are current | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	12	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_10

Loans, Leases, and Allowance for Credit Losses (Summary of Outstanding Loan Balances (Accruing and Nonaccruing) Categorized by Credit Quality Indicators - Current Year) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Total loans
2023	$ 5,967		$ 5,967		$ 13,059
2022	12,707		12,707		10,344
2021	9,355		9,355		6,360
2020	5,294		5,294		4,239
2019	3,365		3,365		2,347
Prior	7,026		7,026		5,667
Revolving loans amortized cost basis	12,557		12,557		13,064
Revolving loans converted to term loans amortized cost basis	622		622		573
Total loans	56,893		56,893		55,653
Gross charge-offs
2023	1
2022	6
2021	0
2020	0
2019	1
Prior	0
Revolving loans amortized cost basis	12
Revolving loans converted to term loans amortized cost basis	0
Total	20	$ 38	49	$ 73
Commercial
Total loans
2023	3,197		3,197		6,987
2022	6,156		6,156		5,522
2021	4,789		4,789		3,072
2020	2,449		2,449		2,430
2019	1,805		1,805		1,228
Prior	3,423		3,423		2,568
Revolving loans amortized cost basis	8,154		8,154		8,426
Revolving loans converted to term loans amortized cost basis	235		235		262
Total loans	30,208		30,208		30,495
Gross charge-offs
2023	1
2022	4
2021	0
2020	0
2019	0
Prior	0
Revolving loans amortized cost basis	7
Revolving loans converted to term loans amortized cost basis	0
Total	12	37	35	65
Commercial real estate
Total loans
2023	1,854		1,854		3,508
2022	3,408		3,408		2,802
2021	2,511		2,511		2,186
2020	1,811		1,811		1,140
2019	937		937		726
Prior	1,617		1,617		1,276
Revolving loans amortized cost basis	716		716		893
Revolving loans converted to term loans amortized cost basis	286		286		208
Total loans	13,140		13,140		12,739
Gross charge-offs
2023	0
2022	2
2021	0
2020	0
2019	1
Prior	0
Revolving loans amortized cost basis	0
Revolving loans converted to term loans amortized cost basis	0
Total	3	0	3	0
Consumer
Total loans
2023	916		916		2,564
2022	3,143		3,143		2,020
2021	2,055		2,055		1,102
2020	1,034		1,034		669
2019	623		623		393
Prior	1,986		1,986		1,823
Revolving loans amortized cost basis	3,687		3,687		3,745
Revolving loans converted to term loans amortized cost basis	101		101		103
Total loans	13,545		13,545		12,419
Gross charge-offs
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving loans amortized cost basis	5
Revolving loans converted to term loans amortized cost basis	0
Total	5	$ 1	11	$ 8
Commercial and industrial | Commercial
Total loans
2023	1,965		1,965		3,390
2022	2,856		2,856		1,891
2021	1,424		1,424		1,011
2020	691		691		1,017
2019	583		583		325
Prior	696		696		335
Revolving loans amortized cost basis	7,944		7,944		8,220
Revolving loans converted to term loans amortized cost basis	182		182		188
Total loans	16,341		16,341		16,377
Gross charge-offs
2023	1
2022	4
2021	0
2020	0
2019	0
Prior	0
Revolving loans amortized cost basis	7
Revolving loans converted to term loans amortized cost basis	0
Total	12
Leasing | Commercial
Total loans
2023	62		62		160
2022	142		142		71
2021	52		52		47
2020	35		35		66
2019	50		50		18
Prior	32		32		24
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	373		373		386
Gross charge-offs
2023	0
2022	0
2021	0
2020	0
2019	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	843		843		2,175
2022	2,053		2,053		2,334
2021	2,133		2,133		1,198
2020	1,063		1,063		906
2019	776		776		717
Prior	2,146		2,146		1,769
Revolving loans amortized cost basis	206		206		198
Revolving loans converted to term loans amortized cost basis	53		53		74
Total loans	9,273		9,273		9,371
Gross charge-offs
2023	0
2022	0
2021	0
2020	0
2019	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	327		327		1,262
2022	1,105		1,105		1,226
2021	1,180		1,180		816
2020	660		660		441
2019	396		396		168
Prior	549		549		440
Revolving loans amortized cost basis	4		4		8
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	4,221		4,221		4,361
Gross charge-offs
2023	0
2022	0
2021	0
2020	0
2019	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	437		437		566
2022	797		797		672
2021	521		521		455
2020	188		188		103
2019	29		29		2
Prior	5		5		2
Revolving loans amortized cost basis	477		477		617
Revolving loans converted to term loans amortized cost basis	121		121		96
Total loans	2,575		2,575		2,513
Gross charge-offs
2023	0
2022	0
2021	0
2020	0
2019	1
Prior	0
Revolving loans amortized cost basis	0
Revolving loans converted to term loans amortized cost basis	0
Total	1
Term | Commercial real estate
Total loans
2023	1,417		1,417		2,942
2022	2,611		2,611		2,130
2021	1,990		1,990		1,731
2020	1,623		1,623		1,037
2019	908		908		724
Prior	1,612		1,612		1,274
Revolving loans amortized cost basis	239		239		276
Revolving loans converted to term loans amortized cost basis	165		165		112
Total loans	10,565		10,565		10,226
Gross charge-offs
2023	0
2022	2
2021	0
2020	0
2019	0
Prior	0
Revolving loans amortized cost basis	0
Revolving loans converted to term loans amortized cost basis	0
Total	2
Home equity credit line | Consumer
Total loans
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	3,214		3,214		3,276
Revolving loans converted to term loans amortized cost basis	99		99		101
Total loans	3,313		3,313		3,377
Gross charge-offs
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving loans amortized cost basis	3
Revolving loans converted to term loans amortized cost basis	0
Total	3
1-4 family residential | Consumer
Total loans
2023	722		722		1,913
2022	2,085		2,085		1,505
2021	1,721		1,721		1,026
2020	1,005		1,005		642
2019	608		608		384
Prior	1,975		1,975		1,816
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	8,116		8,116		7,286
Gross charge-offs
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving loans amortized cost basis	0
Revolving loans converted to term loans amortized cost basis	0
Total	0
Construction and other consumer real estate | Consumer
Total loans
2023	140		140		583
2022	1,016		1,016		485
2021	314		314		64
2020	22		22		19
2019	10		10		5
Prior	8		8		5
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	1,510		1,510		1,161
Gross charge-offs
2023	0
2022	0
2021	0
2020	0
2019	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	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	473		473		469
Revolving loans converted to term loans amortized cost basis	2		2		2
Total loans	475		475		471
Gross charge-offs
2023	0
2022	0
2021	0
2020	0
2019	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	54		54		68
2022	42		42		30
2021	20		20		12
2020	7		7		8
2019	5		5		4
Prior	3		3		2
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	131		131		124
Gross charge-offs
2023	0
2022	0
2021	0
2020	0
2019	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	1,955		1,955		3,363
2022	2,775		2,775		1,874
2021	1,402		1,402		979
2020	681		681		876
2019	552		552		293
Prior	639		639		264
Revolving loans amortized cost basis	7,727		7,727		8,054
Revolving loans converted to term loans amortized cost basis	177		177		182
Total loans	15,908		15,908		15,885
Pass | Leasing | Commercial
Total loans
2023	62		62		160
2022	140		140		71
2021	52		52		47
2020	35		35		66
2019	50		50		18
Prior	32		32		19
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	371		371		381
Pass | Owner-occupied | Commercial
Total loans
2023	835		835		2,157
2022	2,006		2,006		2,285
2021	2,031		2,031		1,143
2020	1,029		1,029		874
2019	738		738		654
Prior	2,041		2,041		1,679
Revolving loans amortized cost basis	199		199		187
Revolving loans converted to term loans amortized cost basis	53		53		74
Total loans	8,932		8,932		9,053
Pass | Municipal | Commercial
Total loans
2023	320		320		1,230
2022	1,067		1,067		1,220
2021	1,174		1,174		816
2020	657		657		441
2019	395		395		168
Prior	548		548		437
Revolving loans amortized cost basis	4		4		8
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	4,165		4,165		4,320
Pass | Construction and land development | Commercial real estate
Total loans
2023	431		431		548
2022	787		787		671
2021	469		469		455
2020	171		171		81
2019	8		8		2
Prior	5		5		2
Revolving loans amortized cost basis	465		465		617
Revolving loans converted to term loans amortized cost basis	121		121		96
Total loans	2,457		2,457		2,472
Pass | Term | Commercial real estate
Total loans
2023	1,303		1,303		2,861
2022	2,511		2,511		2,107
2021	1,975		1,975		1,686
2020	1,569		1,569		1,012
2019	854		854		666
Prior	1,569		1,569		1,229
Revolving loans amortized cost basis	235		235		276
Revolving loans converted to term loans amortized cost basis	165		165		112
Total loans	10,181		10,181		9,949
Pass | Home equity credit line | Consumer
Total loans
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	3,195		3,195		3,265
Revolving loans converted to term loans amortized cost basis	97		97		98
Total loans	3,292		3,292		3,363
Pass | 1-4 family residential | Consumer
Total loans
2023	722		722		1,913
2022	2,083		2,083		1,503
2021	1,719		1,719		1,024
2020	1,002		1,002		638
2019	605		605		381
Prior	1,948		1,948		1,788
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	8,079		8,079		7,247
Pass | Construction and other consumer real estate | Consumer
Total loans
2023	140		140		583
2022	1,016		1,016		485
2021	314		314		64
2020	22		22		19
2019	10		10		5
Prior	7		7		5
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	1,509		1,509		1,161
Pass | Bankcard and other revolving plans | Consumer
Total loans
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	471		471		468
Revolving loans converted to term loans amortized cost basis	2		2		2
Total loans	473		473		470
Pass | Other | Consumer
Total loans
2023	54		54		68
2022	42		42		30
2021	20		20		12
2020	7		7		8
2019	5		5		4
Prior	3		3		2
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	131		131		124
Special Mention | Commercial and industrial | Commercial
Total loans
2023	4		4		1
2022	12		12		2
2021	13		13		10
2020	6		6		52
2019	1		1		1
Prior	47		47		2
Revolving loans amortized cost basis	90		90		50
Revolving loans converted to term loans amortized cost basis	1		1		0
Total loans	174		174		118
Special Mention | Leasing | Commercial
Total loans
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	0		0		0
Special Mention | Owner-occupied | Commercial
Total loans
2023	3		3		1
2022	8		8		15
2021	60		60		5
2020	4		4		8
2019	17		17		3
Prior	14		14		16
Revolving loans amortized cost basis	2		2		1
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	108		108		49
Special Mention | Municipal | Commercial
Total loans
2023	7		7		32
2022	31		31		6
2021	0		0		0
2020	0		0		0
2019	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	38		38		38
Special Mention | Construction and land development | Commercial real estate
Total loans
2023	6		6		1
2022	0		0		1
2021	52		52		0
2020	0		0		0
2019	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	11		11		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	69		69		2
Special Mention | Term | Commercial real estate
Total loans
2023	55		55		39
2022	56		56		21
2021	12		12		11
2020	42		42		0
2019	46		46		4
Prior	8		8		1
Revolving loans amortized cost basis	4		4		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	223		223		76
Special Mention | Home equity credit line | Consumer
Total loans
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	0		0		0
Special Mention | 1-4 family residential | Consumer
Total loans
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	0		0		0
Special Mention | Construction and other consumer real estate | Consumer
Total loans
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	0		0		0
Special Mention | Bankcard and other revolving plans | Consumer
Total loans
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	0		0		0
Special Mention | Other | Consumer
Total loans
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	0		0		0
Accruing Substandard | Commercial and industrial | Commercial
Total loans
2023	2		2		26
2022	64		64		7
2021	7		7		17
2020	2		2		78
2019	19		19		30
Prior	8		8		67
Revolving loans amortized cost basis	96		96		84
Revolving loans converted to term loans amortized cost basis	2		2		2
Total loans	200		200		311
Accruing Substandard | Leasing | Commercial
Total loans
2023	0		0		0
2022	2		2		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
Prior	0		0		5
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	2		2		5
Accruing Substandard | Owner-occupied | Commercial
Total loans
2023	4		4		16
2022	39		39		33
2021	41		41		48
2020	18		18		20
2019	18		18		55
Prior	81		81		64
Revolving loans amortized cost basis	5		5		9
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	206		206		245
Accruing Substandard | Municipal | Commercial
Total loans
2023	0		0		0
2022	7		7		0
2021	6		6		0
2020	3		3		0
2019	1		1		0
Prior	1		1		3
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	18		18		3
Accruing Substandard | Construction and land development | Commercial real estate
Total loans
2023	0		0		17
2022	10		10		0
2021	0		0		0
2020	17		17		22
2019	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	27		27		39
Accruing Substandard | Term | Commercial real estate
Total loans
2023	59		59		42
2022	18		18		2
2021	3		3		34
2020	12		12		21
2019	5		5		53
Prior	24		24		35
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	121		121		187
Accruing Substandard | Home equity credit line | Consumer
Total loans
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	5		5		3
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	5		5		3
Accruing Substandard | 1-4 family residential | Consumer
Total loans
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
Prior	2		2		2
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	2		2		2
Accruing Substandard | Construction and other consumer real estate | Consumer
Total loans
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
Prior	1		1		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	1		1		0
Accruing Substandard | Bankcard and other revolving plans | Consumer
Total loans
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	2		2		1
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	2		2		1
Accruing Substandard | Other | Consumer
Total loans
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	0		0		0
Nonaccrual | Commercial and industrial | Commercial
Total loans
2023	4		4		0
2022	5		5		8
2021	2		2		5
2020	2		2		11
2019	11		11		1
Prior	2		2		2
Revolving loans amortized cost basis	31		31		32
Revolving loans converted to term loans amortized cost basis	2		2		4
Total loans	59		59		63
Nonaccrual | Leasing | Commercial
Total loans
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	0		0		0
Nonaccrual | Owner-occupied | Commercial
Total loans
2023	1		1		1
2022	0		0		1
2021	1		1		2
2020	12		12		4
2019	3		3		5
Prior	10		10		10
Revolving loans amortized cost basis	0		0		1
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	27		27		24
Nonaccrual | Municipal | Commercial
Total loans
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	0		0		0
Nonaccrual | Construction and land development | Commercial real estate
Total loans
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	21		21		0
Prior	0		0		0
Revolving loans amortized cost basis	1		1		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	22		22		0
Nonaccrual | Term | Commercial real estate
Total loans
2023	0		0		0
2022	26		26		0
2021	0		0		0
2020	0		0		4
2019	3		3		1
Prior	11		11		9
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	40		40		14
Nonaccrual | Home equity credit line | Consumer
Total loans
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	14		14		8
Revolving loans converted to term loans amortized cost basis	2		2		3
Total loans	16		16		11
Nonaccrual | 1-4 family residential | Consumer
Total loans
2023	0		0		0
2022	2		2		2
2021	2		2		2
2020	3		3		4
2019	3		3		3
Prior	25		25		26
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	35		35		37
Nonaccrual | Construction and other consumer real estate | Consumer
Total loans
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	0		0		0
Nonaccrual | Bankcard and other revolving plans | Consumer
Total loans
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	0		0		0
Nonaccrual | Other | Consumer
Total loans
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	$ 0		$ 0		$ 0

Loans, Leases, and Allowance_11

Loans, Leases, and Allowance for Credit Losses (Summary of Outstanding Loan Balances (Accruing and Nonaccruing) Categorized by Credit Quality Indicators - Prior Year) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Total loans
2022	$ 5,967		$ 5,967		$ 13,059
2021	12,707		12,707		10,344
2020	9,355		9,355		6,360
2019	5,294		5,294		4,239
2018	3,365		3,365		2,347
Prior	7,026		7,026		5,667
Revolving loans amortized cost basis	12,557		12,557		13,064
Revolving loans converted to term loans amortized cost basis	622		622		573
Total loans	56,893		56,893		55,653
Gross charge-offs
2022	1
2021	6
2020	0
2019	0
2018	1
Prior	0
Revolving loans amortized cost basis	12
Revolving loans converted to term loans amortized cost basis	0
Total	20	$ 38	49	$ 73
Commercial
Total loans
2022	3,197		3,197		6,987
2021	6,156		6,156		5,522
2020	4,789		4,789		3,072
2019	2,449		2,449		2,430
2018	1,805		1,805		1,228
Prior	3,423		3,423		2,568
Revolving loans amortized cost basis	8,154		8,154		8,426
Revolving loans converted to term loans amortized cost basis	235		235		262
Total loans	30,208		30,208		30,495
Gross charge-offs
2022	1
2021	4
2020	0
2019	0
2018	0
Prior	0
Revolving loans amortized cost basis	7
Revolving loans converted to term loans amortized cost basis	0
Total	12	37	35	65
Commercial real estate
Total loans
2022	1,854		1,854		3,508
2021	3,408		3,408		2,802
2020	2,511		2,511		2,186
2019	1,811		1,811		1,140
2018	937		937		726
Prior	1,617		1,617		1,276
Revolving loans amortized cost basis	716		716		893
Revolving loans converted to term loans amortized cost basis	286		286		208
Total loans	13,140		13,140		12,739
Gross charge-offs
2022	0
2021	2
2020	0
2019	0
2018	1
Prior	0
Revolving loans amortized cost basis	0
Revolving loans converted to term loans amortized cost basis	0
Total	3	0	3	0
Consumer
Total loans
2022	916		916		2,564
2021	3,143		3,143		2,020
2020	2,055		2,055		1,102
2019	1,034		1,034		669
2018	623		623		393
Prior	1,986		1,986		1,823
Revolving loans amortized cost basis	3,687		3,687		3,745
Revolving loans converted to term loans amortized cost basis	101		101		103
Total loans	13,545		13,545		12,419
Gross charge-offs
2022	0
2021	0
2020	0
2019	0
2018	0
Prior	0
Revolving loans amortized cost basis	5
Revolving loans converted to term loans amortized cost basis	0
Total	5	$ 1	11	$ 8
Commercial and industrial | Commercial
Total loans
2022	1,965		1,965		3,390
2021	2,856		2,856		1,891
2020	1,424		1,424		1,011
2019	691		691		1,017
2018	583		583		325
Prior	696		696		335
Revolving loans amortized cost basis	7,944		7,944		8,220
Revolving loans converted to term loans amortized cost basis	182		182		188
Total loans	16,341		16,341		16,377
Gross charge-offs
2022	1
2021	4
2020	0
2019	0
2018	0
Prior	0
Revolving loans amortized cost basis	7
Revolving loans converted to term loans amortized cost basis	0
Total	12
Leasing | Commercial
Total loans
2022	62		62		160
2021	142		142		71
2020	52		52		47
2019	35		35		66
2018	50		50		18
Prior	32		32		24
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	373		373		386
Gross charge-offs
2022	0
2021	0
2020	0
2019	0
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
2022	843		843		2,175
2021	2,053		2,053		2,334
2020	2,133		2,133		1,198
2019	1,063		1,063		906
2018	776		776		717
Prior	2,146		2,146		1,769
Revolving loans amortized cost basis	206		206		198
Revolving loans converted to term loans amortized cost basis	53		53		74
Total loans	9,273		9,273		9,371
Gross charge-offs
2022	0
2021	0
2020	0
2019	0
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
2022	327		327		1,262
2021	1,105		1,105		1,226
2020	1,180		1,180		816
2019	660		660		441
2018	396		396		168
Prior	549		549		440
Revolving loans amortized cost basis	4		4		8
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	4,221		4,221		4,361
Gross charge-offs
2022	0
2021	0
2020	0
2019	0
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
2022	437		437		566
2021	797		797		672
2020	521		521		455
2019	188		188		103
2018	29		29		2
Prior	5		5		2
Revolving loans amortized cost basis	477		477		617
Revolving loans converted to term loans amortized cost basis	121		121		96
Total loans	2,575		2,575		2,513
Gross charge-offs
2022	0
2021	0
2020	0
2019	0
2018	1
Prior	0
Revolving loans amortized cost basis	0
Revolving loans converted to term loans amortized cost basis	0
Total	1
Term | Commercial real estate
Total loans
2022	1,417		1,417		2,942
2021	2,611		2,611		2,130
2020	1,990		1,990		1,731
2019	1,623		1,623		1,037
2018	908		908		724
Prior	1,612		1,612		1,274
Revolving loans amortized cost basis	239		239		276
Revolving loans converted to term loans amortized cost basis	165		165		112
Total loans	10,565		10,565		10,226
Gross charge-offs
2022	0
2021	2
2020	0
2019	0
2018	0
Prior	0
Revolving loans amortized cost basis	0
Revolving loans converted to term loans amortized cost basis	0
Total	2
Home equity credit line | Consumer
Total loans
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
2018	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	3,214		3,214		3,276
Revolving loans converted to term loans amortized cost basis	99		99		101
Total loans	3,313		3,313		3,377
Gross charge-offs
2022	0
2021	0
2020	0
2019	0
2018	0
Prior	0
Revolving loans amortized cost basis	3
Revolving loans converted to term loans amortized cost basis	0
Total	3
1-4 family residential | Consumer
Total loans
2022	722		722		1,913
2021	2,085		2,085		1,505
2020	1,721		1,721		1,026
2019	1,005		1,005		642
2018	608		608		384
Prior	1,975		1,975		1,816
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	8,116		8,116		7,286
Gross charge-offs
2022	0
2021	0
2020	0
2019	0
2018	0
Prior	0
Revolving loans amortized cost basis	0
Revolving loans converted to term loans amortized cost basis	0
Total	0
Construction and other consumer real estate | Consumer
Total loans
2022	140		140		583
2021	1,016		1,016		485
2020	314		314		64
2019	22		22		19
2018	10		10		5
Prior	8		8		5
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	1,510		1,510		1,161
Gross charge-offs
2022	0
2021	0
2020	0
2019	0
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
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
2018	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	473		473		469
Revolving loans converted to term loans amortized cost basis	2		2		2
Total loans	475		475		471
Gross charge-offs
2022	0
2021	0
2020	0
2019	0
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
2022	54		54		68
2021	42		42		30
2020	20		20		12
2019	7		7		8
2018	5		5		4
Prior	3		3		2
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	131		131		124
Gross charge-offs
2022	0
2021	0
2020	0
2019	0
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
2022	1,955		1,955		3,363
2021	2,775		2,775		1,874
2020	1,402		1,402		979
2019	681		681		876
2018	552		552		293
Prior	639		639		264
Revolving loans amortized cost basis	7,727		7,727		8,054
Revolving loans converted to term loans amortized cost basis	177		177		182
Total loans	15,908		15,908		15,885
Pass | Leasing | Commercial
Total loans
2022	62		62		160
2021	140		140		71
2020	52		52		47
2019	35		35		66
2018	50		50		18
Prior	32		32		19
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	371		371		381
Pass | Owner-occupied | Commercial
Total loans
2022	835		835		2,157
2021	2,006		2,006		2,285
2020	2,031		2,031		1,143
2019	1,029		1,029		874
2018	738		738		654
Prior	2,041		2,041		1,679
Revolving loans amortized cost basis	199		199		187
Revolving loans converted to term loans amortized cost basis	53		53		74
Total loans	8,932		8,932		9,053
Pass | Municipal | Commercial
Total loans
2022	320		320		1,230
2021	1,067		1,067		1,220
2020	1,174		1,174		816
2019	657		657		441
2018	395		395		168
Prior	548		548		437
Revolving loans amortized cost basis	4		4		8
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	4,165		4,165		4,320
Pass | Construction and land development | Commercial real estate
Total loans
2022	431		431		548
2021	787		787		671
2020	469		469		455
2019	171		171		81
2018	8		8		2
Prior	5		5		2
Revolving loans amortized cost basis	465		465		617
Revolving loans converted to term loans amortized cost basis	121		121		96
Total loans	2,457		2,457		2,472
Pass | Term | Commercial real estate
Total loans
2022	1,303		1,303		2,861
2021	2,511		2,511		2,107
2020	1,975		1,975		1,686
2019	1,569		1,569		1,012
2018	854		854		666
Prior	1,569		1,569		1,229
Revolving loans amortized cost basis	235		235		276
Revolving loans converted to term loans amortized cost basis	165		165		112
Total loans	10,181		10,181		9,949
Pass | Home equity credit line | Consumer
Total loans
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
2018	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	3,195		3,195		3,265
Revolving loans converted to term loans amortized cost basis	97		97		98
Total loans	3,292		3,292		3,363
Pass | 1-4 family residential | Consumer
Total loans
2022	722		722		1,913
2021	2,083		2,083		1,503
2020	1,719		1,719		1,024
2019	1,002		1,002		638
2018	605		605		381
Prior	1,948		1,948		1,788
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	8,079		8,079		7,247
Pass | Construction and other consumer real estate | Consumer
Total loans
2022	140		140		583
2021	1,016		1,016		485
2020	314		314		64
2019	22		22		19
2018	10		10		5
Prior	7		7		5
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	1,509		1,509		1,161
Pass | Bankcard and other revolving plans | Consumer
Total loans
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
2018	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	471		471		468
Revolving loans converted to term loans amortized cost basis	2		2		2
Total loans	473		473		470
Pass | Other | Consumer
Total loans
2022	54		54		68
2021	42		42		30
2020	20		20		12
2019	7		7		8
2018	5		5		4
Prior	3		3		2
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	131		131		124
Special Mention | Commercial and industrial | Commercial
Total loans
2022	4		4		1
2021	12		12		2
2020	13		13		10
2019	6		6		52
2018	1		1		1
Prior	47		47		2
Revolving loans amortized cost basis	90		90		50
Revolving loans converted to term loans amortized cost basis	1		1		0
Total loans	174		174		118
Special Mention | Leasing | Commercial
Total loans
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
2018	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	0		0		0
Special Mention | Owner-occupied | Commercial
Total loans
2022	3		3		1
2021	8		8		15
2020	60		60		5
2019	4		4		8
2018	17		17		3
Prior	14		14		16
Revolving loans amortized cost basis	2		2		1
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	108		108		49
Special Mention | Municipal | Commercial
Total loans
2022	7		7		32
2021	31		31		6
2020	0		0		0
2019	0		0		0
2018	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	38		38		38
Special Mention | Construction and land development | Commercial real estate
Total loans
2022	6		6		1
2021	0		0		1
2020	52		52		0
2019	0		0		0
2018	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	11		11		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	69		69		2
Special Mention | Term | Commercial real estate
Total loans
2022	55		55		39
2021	56		56		21
2020	12		12		11
2019	42		42		0
2018	46		46		4
Prior	8		8		1
Revolving loans amortized cost basis	4		4		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	223		223		76
Special Mention | Home equity credit line | Consumer
Total loans
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
2018	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	0		0		0
Special Mention | 1-4 family residential | Consumer
Total loans
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
2018	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	0		0		0
Special Mention | Construction and other consumer real estate | Consumer
Total loans
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
2018	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	0		0		0
Special Mention | Bankcard and other revolving plans | Consumer
Total loans
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
2018	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	0		0		0
Special Mention | Other | Consumer
Total loans
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
2018	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	0		0		0
Accruing Substandard | Commercial and industrial | Commercial
Total loans
2022	2		2		26
2021	64		64		7
2020	7		7		17
2019	2		2		78
2018	19		19		30
Prior	8		8		67
Revolving loans amortized cost basis	96		96		84
Revolving loans converted to term loans amortized cost basis	2		2		2
Total loans	200		200		311
Accruing Substandard | Leasing | Commercial
Total loans
2022	0		0		0
2021	2		2		0
2020	0		0		0
2019	0		0		0
2018	0		0		0
Prior	0		0		5
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	2		2		5
Accruing Substandard | Owner-occupied | Commercial
Total loans
2022	4		4		16
2021	39		39		33
2020	41		41		48
2019	18		18		20
2018	18		18		55
Prior	81		81		64
Revolving loans amortized cost basis	5		5		9
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	206		206		245
Accruing Substandard | Municipal | Commercial
Total loans
2022	0		0		0
2021	7		7		0
2020	6		6		0
2019	3		3		0
2018	1		1		0
Prior	1		1		3
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	18		18		3
Accruing Substandard | Construction and land development | Commercial real estate
Total loans
2022	0		0		17
2021	10		10		0
2020	0		0		0
2019	17		17		22
2018	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	27		27		39
Accruing Substandard | Term | Commercial real estate
Total loans
2022	59		59		42
2021	18		18		2
2020	3		3		34
2019	12		12		21
2018	5		5		53
Prior	24		24		35
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	121		121		187
Accruing Substandard | Home equity credit line | Consumer
Total loans
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
2018	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	5		5		3
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	5		5		3
Accruing Substandard | 1-4 family residential | Consumer
Total loans
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
2018	0		0		0
Prior	2		2		2
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	2		2		2
Accruing Substandard | Construction and other consumer real estate | Consumer
Total loans
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
2018	0		0		0
Prior	1		1		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	1		1		0
Accruing Substandard | Bankcard and other revolving plans | Consumer
Total loans
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
2018	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	2		2		1
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	2		2		1
Accruing Substandard | Other | Consumer
Total loans
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
2018	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	0		0		0
Nonaccrual | Commercial and industrial | Commercial
Total loans
2022	4		4		0
2021	5		5		8
2020	2		2		5
2019	2		2		11
2018	11		11		1
Prior	2		2		2
Revolving loans amortized cost basis	31		31		32
Revolving loans converted to term loans amortized cost basis	2		2		4
Total loans	59		59		63
Nonaccrual | Leasing | Commercial
Total loans
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
2018	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	0		0		0
Nonaccrual | Owner-occupied | Commercial
Total loans
2022	1		1		1
2021	0		0		1
2020	1		1		2
2019	12		12		4
2018	3		3		5
Prior	10		10		10
Revolving loans amortized cost basis	0		0		1
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	27		27		24
Nonaccrual | Municipal | Commercial
Total loans
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
2018	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	0		0		0
Nonaccrual | Construction and land development | Commercial real estate
Total loans
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
2018	21		21		0
Prior	0		0		0
Revolving loans amortized cost basis	1		1		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	22		22		0
Nonaccrual | Term | Commercial real estate
Total loans
2022	0		0		0
2021	26		26		0
2020	0		0		0
2019	0		0		4
2018	3		3		1
Prior	11		11		9
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	40		40		14
Nonaccrual | Home equity credit line | Consumer
Total loans
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
2018	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	14		14		8
Revolving loans converted to term loans amortized cost basis	2		2		3
Total loans	16		16		11
Nonaccrual | 1-4 family residential | Consumer
Total loans
2022	0		0		0
2021	2		2		2
2020	2		2		2
2019	3		3		4
2018	3		3		3
Prior	25		25		26
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	35		35		37
Nonaccrual | Construction and other consumer real estate | Consumer
Total loans
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
2018	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	0		0		0
Nonaccrual | Bankcard and other revolving plans | Consumer
Total loans
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
2018	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	0		0		0
Nonaccrual | Other | Consumer
Total loans
2022	0		0		0
2021	0		0		0
2020	0		0		0
2019	0		0		0
2018	0		0		0
Prior	0		0		0
Revolving loans amortized cost basis	0		0		0
Revolving loans converted to term loans amortized cost basis	0		0		0
Total loans	$ 0		$ 0		$ 0

Loans, Leases, and Allowance_12

Loans, Leases, and Allowance for Credit Losses (Summary of Selected Information on TDRs) (Details) - USD ($) $ in Millions	3 Months Ended	9 Months Ended	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2023	Dec. 31, 2022
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 123	$ 243	$ 235
Percentage of total loans	0.20%	0.40%
Unfunded lending commitments on troubled debt restructuring	$ 10	$ 10	7
Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis			197
Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	4
Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	121	236
Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	1	1	74
Multiple modification types | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis			65
Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis	1	1	32
Payment deferral | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis		1	29
Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis	1	1	7
Principal forgiveness | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0		6
Commercial
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 39	$ 76
Percentage of total loans	0.10%	0.30%
Commercial | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis			78
Commercial | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0	$ 4
Commercial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	38	71
Commercial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial | Multiple modification types | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis			40
Commercial | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		1
Commercial | Payment deferral | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis		1	2
Commercial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Commercial | Principal forgiveness | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0		0
Commercial | Commercial and industrial
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 36	$ 64
Percentage of total loans	0.20%	0.40%
Commercial | Commercial and industrial | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis			50
Commercial | Commercial and industrial | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0	$ 0
Commercial | Commercial and industrial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	35	63
Commercial | Commercial and industrial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial | Commercial and industrial | Multiple modification types | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis			28
Commercial | Commercial and industrial | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		1
Commercial | Commercial and industrial | Payment deferral | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis		1	0
Commercial | Commercial and industrial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Commercial | Commercial and industrial | Principal forgiveness | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0		0
Commercial | Owner-occupied
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 3	$ 12
Percentage of total loans	0%	0.10%
Commercial | Owner-occupied | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis			28
Commercial | Owner-occupied | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0	$ 4
Commercial | Owner-occupied | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	3	8
Commercial | Owner-occupied | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial | Owner-occupied | Multiple modification types | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis			12
Commercial | Owner-occupied | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Commercial | Owner-occupied | Payment deferral | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0	2
Commercial | Owner-occupied | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Commercial | Owner-occupied | Principal forgiveness | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0		0
Commercial real estate
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 83	$ 164
Percentage of total loans	0.60%	1.20%
Commercial real estate | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis			92
Commercial real estate | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0	$ 0
Commercial real estate | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	83	164
Commercial real estate | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial real estate | Multiple modification types | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis			9
Commercial real estate | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Commercial real estate | Payment deferral | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0	27
Commercial real estate | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Commercial real estate | Principal forgiveness | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0		0
Commercial real estate | Term
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 83	$ 141
Percentage of total loans	0.80%	1.30%
Commercial real estate | Term | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis			84
Commercial real estate | Term | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0	$ 0
Commercial real estate | Term | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	83	141
Commercial real estate | Term | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial real estate | Term | Multiple modification types | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis			1
Commercial real estate | Term | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Commercial real estate | Term | Payment deferral | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0	27
Commercial real estate | Term | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Commercial real estate | Term | Principal forgiveness | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0		0
Commercial real estate | Construction and land development
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0	$ 23
Percentage of total loans	0%	0.90%
Commercial real estate | Construction and land development | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis			8
Commercial real estate | Construction and land development | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0	$ 0
Commercial real estate | Construction and land development | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	23
Commercial real estate | Construction and land development | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial real estate | Construction and land development | Multiple modification types | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis			8
Commercial real estate | Construction and land development | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Commercial real estate | Construction and land development | Payment deferral | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0	0
Commercial real estate | Construction and land development | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Commercial real estate | Construction and land development | Principal forgiveness | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0		0
Consumer
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 1	$ 3
Percentage of total loans	0%	0%
Consumer | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis			27
Consumer | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0	$ 0
Consumer | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	1
Consumer | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	1	1
Consumer | Multiple modification types | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis			16
Consumer | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Consumer | Payment deferral | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0	0
Consumer | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis		1
Consumer | Principal forgiveness | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0		6
Consumer | 1-4 family residential
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 1	$ 2
Percentage of total loans	0%	0%
Consumer | 1-4 family residential | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis			21
Consumer | 1-4 family residential | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0	$ 0
Consumer | 1-4 family residential | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Consumer | 1-4 family residential | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	1	1
Consumer | 1-4 family residential | Multiple modification types | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis			15
Consumer | 1-4 family residential | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Consumer | 1-4 family residential | Payment deferral | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0	0
Consumer | 1-4 family residential | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis		1
Consumer | 1-4 family residential | Principal forgiveness | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0		$ 2
Consumer | Bankcard and other revolving plans
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0	$ 1
Percentage of total loans	0%	0.20%
Consumer | Bankcard and other revolving plans | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0	$ 0
Consumer | Bankcard and other revolving plans | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	1
Consumer | Bankcard and other revolving plans | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Consumer | Bankcard and other revolving plans | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Consumer | Bankcard and other revolving plans | Payment deferral | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Consumer | Bankcard and other revolving plans | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis		$ 0
Consumer | Bankcard and other revolving plans | Principal forgiveness | Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0

Loans, Leases, and Allowance_13

Loans, Leases, and Allowance for Credit Losses (Summary of Financial Impact of Loan Modifications) (Details)	3 Months Ended	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2023
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)		4.40%
Weighted-average term extension (in months)	19 months	16 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)	14 months	12 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)	16 months	12 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)	2 months	13 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)	21 months	16 months
Commercial real estate | 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)	0 months	5 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)	21 months	17 months
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)		0%
Weighted-average term extension (in months)	217 months	117 months
Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)		0%
Weighted-average term extension (in months)	217 months	153 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)	0 months	63 months

Loans, Leases, and Allowance_14

Loans, Leases, and Allowance for Credit Losses (Summary Aging Analysis, Modified) (Details) $ in Millions	Sep. 30, 2023 USD ($)
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	$ 243
Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	227
30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	16
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	16
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	76
Commercial | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	73
Commercial | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	3
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	3
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	64
Commercial | Commercial and industrial | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	64
Commercial | Commercial and industrial | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
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	0
Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	12
Commercial | Owner-occupied | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	9
Commercial | Owner-occupied | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	3
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	3
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	164
Commercial real estate | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	151
Commercial real estate | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	13
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	13
Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	141
Commercial real estate | Term | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	128
Commercial real estate | Term | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	13
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	13
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	3
Consumer | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	3
Consumer | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
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	0
Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	2
Consumer | 1-4 family residential | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	2
Consumer | 1-4 family residential | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
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	0
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_15

Loans, Leases, and Allowance for Credit Losses (Summary of Accrual and Nonaccrual) (Details) - USD ($) $ in Millions	3 Months Ended	9 Months Ended	12 Months Ended
	Sep. 30, 2023	Sep. 30, 2023	Dec. 31, 2022
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 123	$ 243	$ 235
Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis			8
Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis			53
Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis	1	1	7
Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis	1	1	32
Other
Financing Receivable, Modifications [Line Items]
Amortized cost basis			61
Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	1	1	74
Commercial
Financing Receivable, Modifications [Line Items]
Amortized cost basis	39	76
Commercial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Commercial | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		1
Commercial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial | Commercial and industrial
Financing Receivable, Modifications [Line Items]
Amortized cost basis	36	64
Commercial | Commercial and industrial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Commercial | Commercial and industrial | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		1
Commercial | Commercial and industrial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial | Owner-occupied
Financing Receivable, Modifications [Line Items]
Amortized cost basis	3	12
Commercial | Owner-occupied | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Commercial | Owner-occupied | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Commercial | Owner-occupied | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial real estate
Financing Receivable, Modifications [Line Items]
Amortized cost basis	83	164
Commercial real estate | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Commercial real estate | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Commercial real estate | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial real estate | Construction and land development
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	23
Commercial real estate | Construction and land development | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Commercial real estate | Construction and land development | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Commercial real estate | Construction and land development | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial real estate | Term
Financing Receivable, Modifications [Line Items]
Amortized cost basis	83	141
Commercial real estate | Term | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Commercial real estate | Term | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Commercial real estate | Term | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Consumer
Financing Receivable, Modifications [Line Items]
Amortized cost basis	1	3
Consumer | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis		1
Consumer | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0
Consumer | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	1	1
Consumer | 1-4 family residential
Financing Receivable, Modifications [Line Items]
Amortized cost basis	1	2
Consumer | 1-4 family residential | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis		1
Consumer | 1-4 family residential | Payment deferral
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	1
Accruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis			197
Accruing | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis			4
Accruing | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis			42
Accruing | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0		6
Accruing | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		1	29
Accruing | Other
Financing Receivable, Modifications [Line Items]
Amortized cost basis			51
Accruing | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis			65
Accruing | Commercial
Financing Receivable, Modifications [Line Items]
Amortized cost basis			78
Accruing | Commercial | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis			1
Accruing | Commercial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis			13
Accruing | Commercial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0		0
Accruing | Commercial | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		1	2
Accruing | Commercial | Other
Financing Receivable, Modifications [Line Items]
Amortized cost basis			22
Accruing | Commercial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis			40
Accruing | Commercial | Commercial and industrial
Financing Receivable, Modifications [Line Items]
Amortized cost basis			50
Accruing | Commercial | Commercial and industrial | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis			1
Accruing | Commercial | Commercial and industrial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis			12
Accruing | Commercial | Commercial and industrial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0		0
Accruing | Commercial | Commercial and industrial | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		1	0
Accruing | Commercial | Commercial and industrial | Other
Financing Receivable, Modifications [Line Items]
Amortized cost basis			9
Accruing | Commercial | Commercial and industrial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis			28
Accruing | Commercial | Owner-occupied
Financing Receivable, Modifications [Line Items]
Amortized cost basis			28
Accruing | Commercial | Owner-occupied | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Accruing | Commercial | Owner-occupied | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis			1
Accruing | Commercial | Owner-occupied | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0		0
Accruing | Commercial | Owner-occupied | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0	2
Accruing | Commercial | Owner-occupied | Other
Financing Receivable, Modifications [Line Items]
Amortized cost basis			13
Accruing | Commercial | Owner-occupied | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis			12
Accruing | Commercial | Municipal
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Accruing | Commercial | Municipal | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Accruing | Commercial | Municipal | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Accruing | Commercial | Municipal | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Accruing | Commercial | Municipal | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Accruing | Commercial | Municipal | Other
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Accruing | Commercial | Municipal | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Accruing | Commercial real estate
Financing Receivable, Modifications [Line Items]
Amortized cost basis			92
Accruing | Commercial real estate | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis			1
Accruing | Commercial real estate | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis			27
Accruing | Commercial real estate | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0		0
Accruing | Commercial real estate | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0	27
Accruing | Commercial real estate | Other
Financing Receivable, Modifications [Line Items]
Amortized cost basis			28
Accruing | Commercial real estate | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis			9
Accruing | Commercial real estate | Construction and land development
Financing Receivable, Modifications [Line Items]
Amortized cost basis			8
Accruing | Commercial real estate | Construction and land development | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Accruing | Commercial real estate | Construction and land development | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Accruing | Commercial real estate | Construction and land development | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0		0
Accruing | Commercial real estate | Construction and land development | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0	0
Accruing | Commercial real estate | Construction and land development | Other
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Accruing | Commercial real estate | Construction and land development | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis			8
Accruing | Commercial real estate | Term
Financing Receivable, Modifications [Line Items]
Amortized cost basis			84
Accruing | Commercial real estate | Term | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis			1
Accruing | Commercial real estate | Term | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis			27
Accruing | Commercial real estate | Term | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0		0
Accruing | Commercial real estate | Term | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0	27
Accruing | Commercial real estate | Term | Other
Financing Receivable, Modifications [Line Items]
Amortized cost basis			28
Accruing | Commercial real estate | Term | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis			1
Accruing | Consumer
Financing Receivable, Modifications [Line Items]
Amortized cost basis			27
Accruing | Consumer | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis			2
Accruing | Consumer | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis			2
Accruing | Consumer | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0		6
Accruing | Consumer | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		0	0
Accruing | Consumer | Other
Financing Receivable, Modifications [Line Items]
Amortized cost basis			1
Accruing | Consumer | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis			16
Accruing | Consumer | Home equity credit line
Financing Receivable, Modifications [Line Items]
Amortized cost basis			6
Accruing | Consumer | Home equity credit line | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Accruing | Consumer | Home equity credit line | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis			1
Accruing | Consumer | Home equity credit line | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis			4
Accruing | Consumer | Home equity credit line | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Accruing | Consumer | Home equity credit line | Other
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Accruing | Consumer | Home equity credit line | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis			1
Accruing | Consumer | 1-4 family residential
Financing Receivable, Modifications [Line Items]
Amortized cost basis			21
Accruing | Consumer | 1-4 family residential | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis			2
Accruing | Consumer | 1-4 family residential | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis			1
Accruing | Consumer | 1-4 family residential | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0		2
Accruing | Consumer | 1-4 family residential | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis		$ 0	0
Accruing | Consumer | 1-4 family residential | Other
Financing Receivable, Modifications [Line Items]
Amortized cost basis			1
Accruing | Consumer | 1-4 family residential | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis			15
Nonaccruing
Financing Receivable, Modifications [Line Items]
Amortized cost basis			38
Nonaccruing | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis			4
Nonaccruing | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis			11
Nonaccruing | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis			1
Nonaccruing | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis			3
Nonaccruing | Other
Financing Receivable, Modifications [Line Items]
Amortized cost basis			10
Nonaccruing | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis			9
Nonaccruing | Commercial
Financing Receivable, Modifications [Line Items]
Amortized cost basis			23
Nonaccruing | Commercial | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis			4
Nonaccruing | Commercial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Commercial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Commercial | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis			3
Nonaccruing | Commercial | Other
Financing Receivable, Modifications [Line Items]
Amortized cost basis			9
Nonaccruing | Commercial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis			7
Nonaccruing | Commercial | Commercial and industrial
Financing Receivable, Modifications [Line Items]
Amortized cost basis			15
Nonaccruing | Commercial | Commercial and industrial | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Commercial | Commercial and industrial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Commercial | Commercial and industrial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Commercial | Commercial and industrial | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis			3
Nonaccruing | Commercial | Commercial and industrial | Other
Financing Receivable, Modifications [Line Items]
Amortized cost basis			9
Nonaccruing | Commercial | Commercial and industrial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis			3
Nonaccruing | Commercial | Owner-occupied
Financing Receivable, Modifications [Line Items]
Amortized cost basis			8
Nonaccruing | Commercial | Owner-occupied | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis			4
Nonaccruing | Commercial | Owner-occupied | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Commercial | Owner-occupied | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Commercial | Owner-occupied | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Commercial | Owner-occupied | Other
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Commercial | Owner-occupied | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis			4
Nonaccruing | Commercial real estate
Financing Receivable, Modifications [Line Items]
Amortized cost basis			10
Nonaccruing | Commercial real estate | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Commercial real estate | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis			10
Nonaccruing | Commercial real estate | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Commercial real estate | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Commercial real estate | Other
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Commercial real estate | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Commercial real estate | Term
Financing Receivable, Modifications [Line Items]
Amortized cost basis			10
Nonaccruing | Commercial real estate | Term | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Commercial real estate | Term | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis			10
Nonaccruing | Commercial real estate | Term | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Commercial real estate | Term | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Commercial real estate | Term | Other
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Commercial real estate | Term | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Consumer
Financing Receivable, Modifications [Line Items]
Amortized cost basis			5
Nonaccruing | Consumer | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Consumer | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis			1
Nonaccruing | Consumer | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis			1
Nonaccruing | Consumer | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Consumer | Other
Financing Receivable, Modifications [Line Items]
Amortized cost basis			1
Nonaccruing | Consumer | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis			2
Nonaccruing | Consumer | Home equity credit line
Financing Receivable, Modifications [Line Items]
Amortized cost basis			1
Nonaccruing | Consumer | Home equity credit line | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Consumer | Home equity credit line | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Consumer | Home equity credit line | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis			1
Nonaccruing | Consumer | Home equity credit line | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Consumer | Home equity credit line | Other
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Consumer | Home equity credit line | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Consumer | 1-4 family residential
Financing Receivable, Modifications [Line Items]
Amortized cost basis			4
Nonaccruing | Consumer | 1-4 family residential | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Consumer | 1-4 family residential | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis			1
Nonaccruing | Consumer | 1-4 family residential | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Consumer | 1-4 family residential | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis			0
Nonaccruing | Consumer | 1-4 family residential | Other
Financing Receivable, Modifications [Line Items]
Amortized cost basis			1
Nonaccruing | Consumer | 1-4 family residential | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis			$ 2

Loans, Leases, and Allowance_16

Loans, Leases, and Allowance for Credit Losses (Collateral-Dependent Loans) (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 20	$ 7
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	15
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	5
Commercial and industrial | Commercial | Accounts receivable, Inventory
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 3
Weighted average LTV	25%
Owner-occupied | Commercial | Hospital
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 12
Weighted average LTV	29%
Owner-occupied | Commercial | Land, Warehouse
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost		$ 2
Weighted average LTV		29%
Construction and land development | Commercial real estate | Land
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 1
Weighted average LTV	56%
Term | Commercial real estate | Hotel, Office building
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 4
Weighted average LTV	57%
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) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	$ 22,675	$ 24,498
AOCI, cash flow hedge, deferred losses	201
Derivatives (included in other liabilities)	512	451
Cash collateral pledged for derivative liabilities	1
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	7,621	9,361
Parent
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives (included in other liabilities)	512
Other liabilities
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives (included in other liabilities)	512	451
Other liabilities | Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives (included in other liabilities)	0	1
Fair Value Hedging | Received-fixed interest rate swaps | Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	0	500
Fair Value Hedging | Asset hedges: Pay-floating interest rate swaps | Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	1,100
Fair Value Hedging | Asset hedges: Pay-fixed interest rate swaps | Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	4,571	1,228
Fair Value Hedging | Pay-Fixed, receive-floating swap | Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	1,000
Fair Value Hedging | Other liabilities | Received-fixed 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 | Received-fixed interest rate swaps | Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	2,550	7,633
Cash Flow Hedging | Pay-Fixed Interest Rate Swap | Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	2,500
Cash Flow Hedging | Other liabilities | Received-fixed interest rate swaps | Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives (included in other liabilities)	$ 0	$ 1

Derivative Instruments and He_4

Derivative Instruments and Hedging Activities (Notional and Recorded Fair Values) (Details) - USD ($) $ in Millions	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022
Derivative [Line Items]
Notional amount	$ 22,675		$ 24,498
Other assets	628		386
Other liabilities	512		451
Net credit valuation adjustment reducing fair value	17		13
Other assets
Derivative [Line Items]
Other assets	628		386
Other liabilities
Derivative [Line Items]
Other liabilities	512		451
Derivatives designated as hedging instruments:
Derivative [Line Items]
Notional amount	7,621		9,361
Derivatives designated as hedging instruments: | Other assets
Derivative [Line Items]
Other assets	108		84
Derivatives designated as hedging instruments: | Other liabilities
Derivative [Line Items]
Other liabilities	0		1
Derivatives designated as hedging instruments: | Received-fixed interest rate swaps | Cash Flow Hedging
Derivative [Line Items]
Notional amount	2,550		7,633
Derivatives designated as hedging instruments: | Received-fixed interest rate swaps | Fair Value Hedging
Derivative [Line Items]
Notional amount	0		500
Derivatives designated as hedging instruments: | Received-fixed interest rate swaps | Other assets | Cash Flow Hedging
Derivative [Line Items]
Other assets	0		0
Derivatives designated as hedging instruments: | Received-fixed interest rate swaps | Other assets | Fair Value Hedging
Derivative [Line Items]
Other assets	0		0
Derivatives designated as hedging instruments: | Received-fixed interest rate swaps | Other liabilities | Cash Flow Hedging
Derivative [Line Items]
Other liabilities	0		1
Derivatives designated as hedging instruments: | Received-fixed interest rate swaps | Other liabilities | Fair Value Hedging
Derivative [Line Items]
Other liabilities	0		0
Derivatives designated as hedging instruments: | Pay-fixed interest rate swaps | Cash Flow Hedging
Derivative [Line Items]
Notional amount	500	$ 500	0
Derivatives designated as hedging instruments: | Pay-fixed interest rate swaps | Other assets | Cash Flow Hedging
Derivative [Line Items]
Other assets	0		0
Derivatives designated as hedging instruments: | Pay-fixed interest rate swaps | Other liabilities | Cash Flow 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	4,571		1,228
Derivatives designated as hedging instruments: | Asset hedges: Pay-fixed interest rate swaps | Other assets | Fair Value Hedging
Derivative [Line Items]
Other assets	108		84
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	15,054		15,137
Derivatives not designated as hedging instruments | Other assets
Derivative [Line Items]
Other assets	520		302
Derivatives not designated as hedging instruments | Other liabilities
Derivative [Line Items]
Other liabilities	512		450
Derivatives not designated as hedging instruments | Customer-facing interest rate derivatives
Derivative [Line Items]
Notional amount	13,835		13,670
Derivatives not designated as hedging instruments | Customer-facing interest rate derivatives | Other assets
Derivative [Line Items]
Other assets	515		296
Derivatives not designated as hedging instruments | Customer-facing interest rate derivatives | Other liabilities
Derivative [Line Items]
Other liabilities	510		443
Derivatives not designated as hedging instruments | Other interest rate derivatives
Derivative [Line Items]
Notional amount	985		862
Derivatives not designated as hedging instruments | Other interest rate derivatives | Other assets
Derivative [Line Items]
Other assets	2		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	234		605
Derivatives not designated as hedging instruments | Foreign exchange derivatives | Other assets
Derivative [Line Items]
Other assets	3		6
Derivatives not designated as hedging instruments | Foreign exchange derivatives | Other liabilities
Derivative [Line Items]
Other liabilities	2		7
Derivatives not designated as hedging instruments | Purchased credit derivatives
Derivative [Line Items]
Notional amount	0		0
Derivatives not designated as hedging instruments | Purchased credit derivatives | Other assets
Derivative [Line Items]
Other assets	0		0
Derivatives not designated as hedging instruments | Purchased credit derivatives | Other liabilities
Derivative [Line Items]
Other liabilities	$ 0		$ 0

Derivative Instruments and He_5

Derivative Instruments and Hedging Activities (Derivative Gain (Loss) Recognized/Reclassified) (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Derivative Instruments, Gain (Loss) [Line Items]
Amount of gain/(loss) reclassified from AOCI into income	$ (32,000,000)	$ (8,000,000)	$ (99,000,000)	$ 7,000,000
Loss to be reclassified within the next 12 months into interest income			133,000,000	173,000,000
Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	4,000,000	(183,000,000)	32,000,000	(427,000,000)
Amount of gain/(loss) reclassified from AOCI into income	(39,000,000)	(11,000,000)	(128,000,000)	9,000,000
Interest on fair value hedges	18,000,000	0	28,000,000	2,000,000
Hedge ineffectiveness/AOCI reclass due to missed forecast		0		0
Derivatives designated as hedging instruments: | Cash Flow Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Terminated or redesignated, unamortized basis adjustments, debt	48,000,000	0	48,000,000	0
Terminated or redesignated, unamortized basis adjustments,assets	3,000,000	10,000,000	3,000,000	10,000,000
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	0	0
Amount of gain/(loss) reclassified from AOCI into income	0	0	0	2,000,000
Interest on fair value hedges	0	0	0	0
Hedge ineffectiveness/AOCI reclass due to missed forecast	0	0	0	0
Derivatives designated as hedging instruments: | Cash Flow Hedging | Received-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	7,000,000	(183,000,000)	24,000,000	(427,000,000)
Amount of gain/(loss) reclassified from AOCI into income	(41,000,000)	(11,000,000)	(131,000,000)	7,000,000
Interest on fair value hedges	0	0	0	0
Hedge ineffectiveness/AOCI reclass due to missed forecast	0	0	0	0
Derivatives designated as hedging instruments: | Cash Flow Hedging | Pay-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Hedge ineffectiveness/AOCI reclass due to missed forecast	0		0
Derivatives designated as hedging instruments: | Fair Value Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Hedge ineffectiveness/AOCI reclass due to missed forecast	(1,000,000)		(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	(3,000,000)	0	8,000,000	0
Amount of gain/(loss) reclassified from AOCI into income	2,000,000	0	3,000,000	0
Interest on fair value hedges	0	(1,000,000)	0	2,000,000
Hedge ineffectiveness/AOCI reclass due to missed forecast		0		0
Derivatives designated as hedging instruments: | Fair Value Hedging | Debt hedges: 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	0		(5,000,000)
Hedge ineffectiveness/AOCI reclass due to missed forecast	0		0
Derivatives designated as hedging instruments: | Fair Value Hedging | Asset hedges: Pay-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	0	0	0	0
Amount of gain/(loss) reclassified from AOCI into income	0	0	0	0
Interest on fair value hedges	20,000,000	1,000,000	36,000,000	(1,000,000)
Hedge ineffectiveness/AOCI reclass due to missed forecast	(1,000,000)	0	(1,000,000)	0
Derivatives designated as hedging instruments: | Fair Value Hedging | Basis Amortization On Terminated Debt Hedges
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	0	0	0	0
Amount of gain/(loss) reclassified from AOCI into income	0	0	0	0
Interest on fair value hedges	(2,000,000)	0	(3,000,000)	1,000,000
Hedge ineffectiveness/AOCI reclass due to missed forecast	0		0
Derivatives designated as hedging instruments: | Fair Value Hedging | Basis Amortization On Terminated Asset Hedges
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	0	0	0	0
Amount of gain/(loss) reclassified from AOCI into income	0	0	0	0
Interest on fair value hedges	0	0	0	0
Hedge ineffectiveness/AOCI reclass due to missed forecast	$ 0		$ 0
Derivatives designated as hedging instruments: | Fair Value Hedging | Basis amortization on terminated hedges
Derivative Instruments, Gain (Loss) [Line Items]
Hedge ineffectiveness/AOCI reclass due to missed forecast		0		0
Derivatives designated as hedging instruments: | Fair Value Hedging | Asset hedges: Pay-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Hedge ineffectiveness/AOCI reclass due to missed forecast		$ 0		$ 0

Derivative Instruments and He_6

Derivative Instruments and Hedging Activities (Derivatives Not Designated as Hedges) (Details) - Derivatives not designated as hedging instruments - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	$ 20	$ 19	$ 47	$ 63
Customer-facing interest rate derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	11	11	22	42
Other interest rate derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	1	0	4	0
Foreign exchange derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	8	8	22	21
Purchased credit derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	$ 0	$ 0	$ (1)	$ 0

Derivative Instruments and He_7

Derivative Instruments and Hedging Activities (Gain (Loss) Recorded in Income) (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Derivative Instruments, Gain (Loss) [Line Items]
Total income statement impact	$ 7	$ 4	$ 5	$ 20
Received-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives	0	(25)	14	(75)
Hedged items	0	25	(14)	75
Total income statement impact	0	0	0	0
Asset hedges: Pay-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives	144	67	171	217
Hedged items	(145)	(67)	(172)	(217)
Total income statement impact	$ (1)	$ 0	$ (1)	$ 0

Derivative Instruments and He_8

Derivative Instruments and Hedging Activities (Basis Adjustments for Hedged Items) (Details) - USD ($)	Sep. 30, 2023	Dec. 31, 2022
Derivative Instruments, Gain (Loss) [Line Items]
Total debt securities	$ 12,078,000,000	$ 13,538,000,000
Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets	103,900,000
Amount of hedging	3,500,000,000
Fair Value Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Par value of hedged liabilities	0	(500,000,000)
Carrying amount of hedged liabilities	0	(435,000,000)
Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged liabilities	0	65,000,000
Par value of hedged assets	12,550,000,000	1,228,000,000
Carrying amount of hedged assets	12,176,000,000	962,000,000
Total debt securities	11,500,000,000
Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets	$ (374,000,000)	$ (266,000,000)

Leases (Narrative) (Details)

Leases (Narrative) (Details) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023 USD ($) branch	Sep. 30, 2022 USD ($)	Sep. 30, 2023 USD ($) branch	Sep. 30, 2022 USD ($)	Dec. 31, 2022 USD ($)
Leases [Abstract]
Number of branches | branch	409		409
Number of branches owned | branch	277		277
Number of branches leased | branch	132		132
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other assets		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		Premises, equipment and software, net
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities		Other liabilities		Other liabilities
Finance Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Long-term debt		Long-term debt		Long-term debt
Operating lease income | $	$ 3	$ 3	$ 11	$ 10
Sales-type or direct financing leases | $	374		374		$ 386
Sales-type or direct financing leases income | $	$ 4	$ 3	$ 12	$ 9

Leases (Assets and Liabilities)

Leases (Assets and Liabilities) (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Leases [Abstract]
ROU assets, net of amortization	$ 170	$ 173
Lease liabilities	197	198
ROU assets, net of amortization	3	4
Finance lease obligations	$ 4	$ 4
Weighted average remaining lease term, operating leases	8 years 4 months 24 days	8 years 4 months 24 days
Weighted average remaining lease term, finance leases	16 years 8 months 12 days	17 years 4 months 24 days
Weighted average discount rate, operating leases	3.20%	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		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Leases [Abstract]
Operating lease expense	$ 11	$ 11	$ 32	$ 35
Other expenses associated with operating leases	16	13	46	38
Total lease expense	27	24	78	73
Related cash disbursements from operating leases	$ 11	$ 12	$ 36	$ 37

Leases (Maturities Analysis) (D

Leases (Maturities Analysis) (Details) $ in Millions	Sep. 30, 2023 USD ($)
Leases [Abstract]
2023	$ 12
2024	43
2025	34
2026	29
2027	21
Thereafter	91
Total	$ 230

Long-Term Debt and Shareholde_3

Long-Term Debt and Shareholders' Equity (Long-term Debt) (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Debt And Equity [Abstract]
Subordinated notes	$ 536	$ 519
Senior notes	0	128
Finance lease obligations	4	4
Total	$ 540	$ 651

Long-Term Debt and Shareholde_4

Long-Term Debt and Shareholders' Equity (Narrative) (Details) - USD ($) $ / shares in Units, shares in Millions, $ in Millions	3 Months Ended	9 Months Ended
	Jun. 30, 2023	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Debt Instrument [Line Items]
Redemption of long-term debt		$ 128	$ 290
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 change		$ 28
Common stock and additional paid-in capital percentage change		2%
Common stock and additional paid-in capital		$ 1,700
Accumulated other comprehensive income (loss)		$ (3,008)		$ (3,112)
Senior notes | 4.5% interest rate, senior note
Debt Instrument [Line Items]
Redemption of long-term debt	$ 128
Debt interest rate	4.50%

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		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	$ 5,283	$ 5,632	$ 4,893	$ 7,463
OCI (loss) before reclassifications, net of tax 1			5	(3,053)
Amounts reclassified from AOCI, net of tax			99	(7)
Total other comprehensive income (loss), net of tax	(78)	(1,040)	104	(3,060)
Balance at end of period	5,315	4,696	5,315	4,696
Income tax expense (benefit) included in OCI (loss)			34	(991)
Decline in fair value of fixed-rate AFS	160		169
Increase in amortization of discount	55		158
Total
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	(2,930)	(2,100)	(3,112)	(80)
Balance at end of period	(3,008)	(3,140)	(3,008)	(3,140)
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 (loss) before reclassifications, net of tax 1			(11)	(2,729)
Amounts reclassified from AOCI, net of tax			0	0
Total other comprehensive income (loss), net of tax			(11)	(2,729)
Balance at end of period	(2,811)	(2,807)	(2,811)	(2,807)
Income tax expense (benefit) included in OCI (loss)			(4)	(884)
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 (loss) before reclassifications, net of tax 1			16	(324)
Amounts reclassified from AOCI, net of tax			99	(7)
Total other comprehensive income (loss), net of tax			115	(331)
Balance at end of period	(196)	(331)	(196)	(331)
Income tax expense (benefit) included in OCI (loss)			38	(107)
Pension and post-retirement
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period			(1)	(2)
OCI (loss) before reclassifications, net of tax 1			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)	(1)	(2)
Income tax expense (benefit) included in OCI (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		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Accumulated Other Comprehensive Income (Loss) [Line Items]
Interest and fees on loans	$ 831	$ 551	$ 2,348	$ 1,456
Less: Income tax expense (benefit)	53	61	182	170
Net income	175	217	554	623
Net unrealized gains/(losses) on derivatives and other | Amounts reclassified from AOCI
Accumulated Other Comprehensive Income (Loss) [Line Items]
Interest and fees on loans	(42)	(11)	(131)	9
Less: Income tax expense (benefit)	(10)	(3)	(32)	2
Net income	$ (32)	$ (8)	$ (99)	$ 7

Commitments, Guarantees, and _3

Commitments, Guarantees, and Contingent Liabilities (Schedule of Off Balance Sheet Financial Instruments) (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Unfunded lending commitments	$ 29,693	$ 29,628
Commercial letters of credit	20	11
Mortgage-backed security purchase agreement	59	23
Total unfunded lending commitments	30,501	30,513
Financial
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Standby letters of credit	549	667
Performance
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Standby letters of credit	$ 180	$ 184

Commitments, Guarantees, and _4

Commitments, Guarantees, and Contingent Liabilities (Narrative) (Details) $ in Millions	Sep. 30, 2023 USD ($) case
Guarantor Obligations [Line Items]
Number of civil cases | case	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		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	$ 126	$ 123	$ 378	$ 371
Other noninterest income (non-ASC 606 customer-related)	31	33	92	90
Total customer-related noninterest income	157	156	470	461
Other noncustomer-related noninterest income	23	9	59	18
Total noninterest income	180	165	529	479
Net interest income	585	663	1,855	1,800
Total net revenue	765	828	2,384	2,279
Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	43	40	131	118
Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	37	38	110	110
Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	17	17	49	56
Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1	2	3
Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	14	12	41	39
Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	$ 14	15	45	45
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	82%
Other
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	$ 6	9	24	29
Other noninterest income (non-ASC 606 customer-related)	3	3	12	3
Total customer-related noninterest income	9	12	36	32
Other noncustomer-related noninterest income	16	6	24	10
Total noninterest income	25	18	60	42
Net interest income	5	3	25	32
Total net revenue	30	21	85	74
Other | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	(1)	0	0	2
Other | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	(1)	1	1	0
Other | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	(1)	1	(1)
Other | Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1	2	3
Other | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0	(2)	0
Other | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	7	8	22	25
Zions Bank | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	41	39	120	121
Other noninterest income (non-ASC 606 customer-related)	6	4	19	15
Total customer-related noninterest income	47	43	139	136
Other noncustomer-related noninterest income	2	1	9	3
Total noninterest income	49	44	148	139
Net interest income	167	197	530	523
Total net revenue	216	241	678	662
Zions Bank | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	14	13	42	40
Zions Bank | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	13	14	39	41
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	5	14	17
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	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)	7	5	19	17
Zions Bank | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	2	6	6
CB&T | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	19	18	56	53
Other noninterest income (non-ASC 606 customer-related)	7	9	26	23
Total customer-related noninterest income	26	27	82	76
Other noncustomer-related noninterest income	2	1	5	3
Total noninterest income	28	28	87	79
Net interest income	143	154	454	425
Total net revenue	171	182	541	504
CB&T | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	8	7	24	21
CB&T | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	5	5	15	15
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	8	10
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	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	3	3
CB&T | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	2	6	4
Amegy | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	31	30	94	86
Other noninterest income (non-ASC 606 customer-related)	12	11	29	33
Total customer-related noninterest income	43	41	123	119
Other noncustomer-related noninterest income	3	0	20	0
Total noninterest income	46	41	143	119
Net interest income	107	137	346	369
Total net revenue	153	178	489	488
Amegy | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	14	12	42	33
Amegy | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	8	8	24	24
Amegy | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	3	4	10	12
Amegy | Operating Segments | Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0	0	0
Amegy | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	4	4	13	12
Amegy | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	2	5	5
NBAZ | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	9	9	28	28
Other noninterest income (non-ASC 606 customer-related)	1	2	2	4
Total customer-related noninterest income	10	11	30	32
Other noncustomer-related noninterest income	0	1	1	2
Total noninterest income	10	12	31	34
Net interest income	66	64	194	170
Total net revenue	76	76	225	204
NBAZ | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	2	7	7
NBAZ | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	4	4	11	11
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	6	7
NBAZ | Operating Segments | Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0	0	0
NBAZ | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1	3	2
NBAZ | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0	1	1
NSB | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	11	11	33	32
Other noninterest income (non-ASC 606 customer-related)	1	1	1	5
Total customer-related noninterest income	12	12	34	37
Other noncustomer-related noninterest income	0	0	0	0
Total noninterest income	12	12	34	37
Net interest income	46	50	145	126
Total net revenue	58	62	179	163
NSB | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	3	3	9	8
NSB | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	4	4	12	11
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	7	8
NSB | Operating Segments | Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0	0	0
NSB | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1	4	4
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	1	1
Vectra | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	7	6	19	19
Other noninterest income (non-ASC 606 customer-related)	1	2	2	5
Total customer-related noninterest income	8	8	21	24
Other noncustomer-related noninterest income	0	0	0	0
Total noninterest income	8	8	21	24
Net interest income	36	41	115	109
Total net revenue	44	49	136	133
Vectra | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	2	5	6
Vectra | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	3	2	7	7
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	3	3
Vectra | Operating Segments | Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0	0	0
Vectra | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0	1	1
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	3	2
TCBW | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	1	4	3
Other noninterest income (non-ASC 606 customer-related)	0	1	1	2
Total customer-related noninterest income	2	2	5	5
Other noncustomer-related noninterest income	0	0	0	0
Total noninterest income	2	2	5	5
Net interest income	15	17	46	46
Total net revenue	17	19	51	51
TCBW | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1	2	1
TCBW | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	0	1	1
TCBW | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0	0	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	0	0
TCBW | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0	0	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	$ 1	$ 1

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Billions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Effective income tax rate	23.20%	21.90%	24.70%	21.40%
Deferred tax assets	$ 1.1		$ 1.1		$ 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		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Basic:
Net income	$ 175	$ 217	$ 554	$ 623
Less common and preferred dividends	68	68	206	199
Undistributed earnings	107	149	348	424
Less undistributed earnings applicable to nonvested shares	1	1	3	4
Undistributed earnings applicable to common shares	106	148	345	420
Distributed earnings applicable to common shares	61	61	182	176
Total earnings applicable to common shares	$ 167	$ 209	$ 527	$ 596
Weighted average common shares outstanding (in shares)	147,648	149,628	147,784	150,510
Net earnings per common share (in dollars per share)	$ 1.13	$ 1.40	$ 3.57	$ 3.96
Diluted:
Dilutive effect of stock options (in shares)	5	164	10	256
Weighted average diluted common shares outstanding (in shares)	147,653	149,792	147,794	150,766
Net earnings per common share (in dollars per share)	$ 1.13	$ 1.40	$ 3.57	$ 3.96

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		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 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)	1,398	1,245	1,385	1,274
Stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share (in shares)	1,441	305	1,401	170

Operating Segment Information_2

Operating Segment Information (Details) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023 USD ($) branch	Sep. 30, 2022 USD ($)	Sep. 30, 2023 USD ($) branch segment	Sep. 30, 2022 USD ($)
Segment Reporting Information [Line Items]
Number of bank operating segments | segment			7
Number of branches | branch	409		409
Net interest income	$ 585	$ 663	$ 1,855	$ 1,800
Provision for credit losses	41	71	132	79
Net interest income after provision for credit losses	544	592	1,723	1,721
Total noninterest income	180	165	529	479
Total noninterest expense	496	479	1,516	1,407
Income before income taxes	228	278	736	793
Total average loans	56,968	52,953	56,603	51,897
Total average deposits	75,643	77,463	71,836	79,970
Other
Segment Reporting Information [Line Items]
Net interest income	5	3	25	32
Provision for credit losses	(2)	(1)	(3)	0
Net interest income after provision for credit losses	7	4	28	32
Total noninterest income	25	18	60	42
Total noninterest expense	60	58	169	170
Income before income taxes	(28)	(36)	(81)	(96)
Total average loans	1,007	909	1,063	910
Total average deposits	8,608	948	6,030	1,164
Zions Bank | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	167	197	530	523
Provision for credit losses	1	35	32	35
Net interest income after provision for credit losses	166	162	498	488
Total noninterest income	49	44	148	139
Total noninterest expense	130	125	403	373
Income before income taxes	85	81	243	254
Total average loans	14,382	13,448	14,205	13,130
Total average deposits	20,041	23,634	20,058	24,920
CB&T | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	143	154	454	425
Provision for credit losses	24	19	39	40
Net interest income after provision for credit losses	119	135	415	385
Total noninterest income	28	28	87	79
Total noninterest expense	91	86	277	254
Income before income taxes	56	77	225	210
Total average loans	14,195	13,100	14,122	12,948
Total average deposits	14,335	16,096	14,103	16,407
Amegy | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	107	137	346	369
Provision for credit losses	7	15	30	(7)
Net interest income after provision for credit losses	100	122	316	376
Total noninterest income	46	41	143	119
Total noninterest expense	93	90	291	264
Income before income taxes	53	73	168	231
Total average loans	12,892	12,176	12,872	11,970
Total average deposits	13,997	15,531	13,055	16,062
NBAZ | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	66	64	194	170
Provision for credit losses	3	0	7	2
Net interest income after provision for credit losses	63	64	187	168
Total noninterest income	10	12	31	34
Total noninterest expense	44	44	136	125
Income before income taxes	29	32	82	77
Total average loans	5,364	4,913	5,253	4,859
Total average deposits	7,002	8,090	7,018	8,164
NSB | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	46	50	145	126
Provision for credit losses	7	1	18	1
Net interest income after provision for credit losses	39	49	127	125
Total noninterest income	12	12	34	37
Total noninterest expense	40	39	123	113
Income before income taxes	11	22	38	49
Total average loans	3,420	3,052	3,392	2,929
Total average deposits	7,059	7,479	6,887	7,487
Vectra | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	36	41	115	109
Provision for credit losses	(1)	2	5	8
Net interest income after provision for credit losses	37	39	110	101
Total noninterest income	8	8	21	24
Total noninterest expense	32	31	99	90
Income before income taxes	13	16	32	35
Total average loans	4,011	3,722	3,997	3,550
Total average deposits	3,463	4,100	3,479	4,195
TCBW | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	15	17	46	46
Provision for credit losses	2	0	4	0
Net interest income after provision for credit losses	13	17	42	46
Total noninterest income	2	2	5	5
Total noninterest expense	6	6	18	18
Income before income taxes	9	13	29	33
Total average loans	1,697	1,633	1,699	1,601
Total average deposits	$ 1,138	$ 1,585	$ 1,206	$ 1,571
Utah | Zions Bank
Segment Reporting Information [Line Items]
Number of branches | branch	95		95
Idaho | Zions Bank
Segment Reporting Information [Line Items]
Number of branches | branch	25		25
Wyoming | Zions Bank
Segment Reporting Information [Line Items]
Number of branches | branch	1		1
Texas | Amegy
Segment Reporting Information [Line Items]
Number of branches | branch	75		75
California | CB&T
Segment Reporting Information [Line Items]
Number of branches | branch	75		75
Arizona | NBAZ
Segment Reporting Information [Line Items]
Number of branches | branch	56		56
Nevada | NSB
Segment Reporting Information [Line Items]
Number of branches | branch	45		45
Colorado | Vectra
Segment Reporting Information [Line Items]
Number of branches | branch	33		33
New Mexico | Vectra
Segment Reporting Information [Line Items]
Number of branches | branch	1		1
Washington | TCBW
Segment Reporting Information [Line Items]
Number of branches | branch	2		2
Oregon | TCBW
Segment Reporting Information [Line Items]
Number of branches | branch	1		1