Zions Bancorporation, National Association (ZION) 10-K 23 Feb 24 2023 FY Annual report Financial data

Cover

Cover - USD ($)	12 Months Ended
	Dec. 31, 2023	Feb. 05, 2024	Jun. 30, 2023
Document Information [Line Items]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2023
Current Fiscal Year End Date	--12-31
Document Transition Report	false
Entity File Number	001-12307
Entity Registrant Name	ZIONS BANCORPORATION, NATIONAL ASSOCIATION
Entity Incorporation, State or Country Code	X1
Entity Tax Identification Number	87-0189025
Entity Address, Address Line One	One South Main
Entity Address, City or Town	Salt Lake City,
Entity Address, State or Province	UT
Entity Address, Postal Zip Code	84133-1109
City Area Code	801
Local Phone Number	844-8208
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 3,892,923,377
Entity Common Stock, Shares Outstanding		148,155,311
Documents Incorporated by Reference	Documents Incorporated by Reference: Part III: Items 10-14 — Proxy Statement for the 2024 Annual Meeting of Shareholders to be held April 26, 2024.
Amendment Flag	false
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	FY
Entity Central Index Key	0000109380
Document Financial Statement Error Correction [Flag]	false
Common stock shares (in thousands)
Document Information [Line Items]
Title of 12(b) Security	Common Stock, par value $0.001
Trading Symbol	ZION
Security Exchange Name	NASDAQ
Series A Floating-Rate Non-Cumulative Perpetual Preferred Stock
Document Information [Line Items]
Title of 12(b) Security	Series A Floating-Rate Non-Cumulative Perpetual Preferred Stock
Trading Symbol	ZIONP
Security Exchange Name	NASDAQ
Series G Fixed/Floating-Rate Non-Cumulative Perpetual Preferred Stock
Document Information [Line Items]
Title of 12(b) Security	Series G Fixed/Floating-Rate Non-Cumulative Perpetual Preferred Stock
Trading Symbol	ZIONO
Security Exchange Name	NASDAQ
6.95% Fixed-to-Floating Rate Subordinated Notes due September 15, 2028
Document Information [Line Items]
Title of 12(b) Security	6.95% Fixed-to-Floating Rate Subordinated Notes due September 15, 2028
Trading Symbol	ZIONL
Security Exchange Name	NASDAQ

Audit Information

Audit Information	12 Months Ended
	Dec. 31, 2023
Audit Information [Abstract]
Auditor Name	Ernst & Young LLP
Auditor Location	Salt Lake City, Utah
Auditor Firm ID	42

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 716	$ 657
Money market investments:
Interest-bearing deposits	1,488	1,340
Federal funds sold and securities purchased under agreements to resell	937	2,426
Investment securities:
Total debt securities	10,382	11,126
Available-for-sale, at fair value	10,300	11,915
Trading account, at fair value	48	465
Total investment securities	20,730	23,506
Loans held for sale	53	8
Loans, net of allowance
Loans and leases, net of unearned income and fees	57,779	55,653
Less allowance for loan and lease losses	684	575
Loans, net of allowance	57,095	55,078
Other noninterest-bearing investments	950	1,130
Premises, equipment and software, net	1,400	1,408
Goodwill and intangibles	1,059	1,065
Other real estate owned	6	3
Other assets	2,769	2,924
Total assets	87,203	89,545
LIABILITIES AND SHAREHOLDERS’ EQUITY
Noninterest-bearing demand	26,244	35,777
Interest-bearing:
Savings and money market	38,721	33,566
Time	9,996	2,309
Total deposits	74,961	71,652
Federal funds and other short-term borrowings	4,379	10,417
Long-term debt	542	651
Reserve for unfunded lending commitments	45	61
Other liabilities	1,585	1,871
Total liabilities	81,512	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 148,153 and 148,664 shares and additional paid-in capital)	1,731	1,754
Retained earnings	6,212	5,811
Accumulated other comprehensive income	(2,692)	(3,112)
Total shareholders’ equity	5,691	4,893
Total liabilities and shareholders’ equity	$ 87,203	$ 89,545

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Investment securities:
Held-to-maturity investment securities	$ 10,466	$ 11,239
Shareholders’ equity:
Preferred stock, authorized shares (in shares)	4,400,000	4,400,000
Common stock, par value (in dollars per share)	$ 0.001	$ 0.001
Common stock, authorized shares (in shares)	350,000,000	350,000,000
Common stock, issued shares (in shares)	148,153,000	148,664,000
Common stock, outstanding shares (in shares)	148,153,000	148,664,000

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Interest income:
Interest and fees on loans	$ 3,196	$ 2,112	$ 1,935
Interest on money market investments	188	81	21
Interest on securities	563	512	311
Total interest income	3,947	2,705	2,267
Interest expense:
Interest on deposits	1,063	70	30
Interest on short- and long-term borrowings	446	115	29
Total interest expense	1,509	185	59
Net interest income	2,438	2,520	2,208
Provision for loan losses	148	101	(258)
Provision for unfunded lending commitments	(16)	21	(18)
Total provision for credit losses	132	122	(276)
Net interest income after provision for credit losses	2,306	2,398	2,484
Noninterest income:
Commercial account fees	174	159	137
Card fees	101	104	95
Retail and business banking fees	66	73	74
Loan-related fees and income	79	80	95
Capital markets fees	81	83	70
Wealth management fees	58	55	50
Other customer-related fees	61	60	54
Customer-related noninterest income	620	614	575
Fair value and nonhedge derivative income (loss)	(4)	16	14
Dividends and other income	57	17	43
Securities gains (losses), net	4	(15)	71
Total noninterest income	677	632	703
Noninterest expense:
Salaries and employee benefits	1,275	1,235	1,127
Technology, telecom, and information processing	240	209	199
Occupancy and equipment, net	160	152	153
Professional and legal services	62	57	72
Marketing and business development	46	39	43
Deposit insurance and regulatory expense	169	50	34
Credit-related expense	26	30	26
Other real estate expense, net	0	1	0
Other	119	105	87
Total noninterest expense	2,097	1,878	1,741
Income before income taxes	886	1,152	1,446
Income taxes	206	245	317
Net income	680	907	1,129
Preferred stock dividends	(32)	(29)	(29)
Net earnings applicable to common shareholders	$ 648	$ 878	$ 1,100
Weighted average common shares outstanding during the year:
Basic shares (in shares)	147,748	150,064	159,913
Diluted shares (in shares)	147,756	150,271	160,234
Net earnings per common share:
Basic (in dollars per share)	$ 4.35	$ 5.80	$ 6.80
Diluted (in dollars per share)	$ 4.35	$ 5.79	$ 6.79

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Statement of Comprehensive Income [Abstract]
Net income	$ 284	$ 680	$ 907	$ 1,129
Other comprehensive income (loss), net of tax:
Net unrealized holding gains (losses) on investment securities		66	(2,762)	(336)
Unrealized loss amortization associated with the securities transferred from AFS to HTM	$ (1,800)	208	40	0
Net unrealized gains (losses) on other noninterest-bearing investments		1	(2)	3
Net unrealized holding gains (losses) on derivative instruments		21	(330)	(26)
Reclassification adjustment for decrease (increase) in interest income recognized in earnings on derivative instruments		124	21	(46)
Pension and post-retirement		0	1	0
Other comprehensive income (loss), net of tax		420	(3,032)	(405)
Comprehensive income (loss)		$ 1,100	$ (2,125)	$ 724

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Millions	Total	Cumulative Effect, Period of Adoption, Adjustment	Preferred stock	Common stock shares (in thousands)	Accumulated paid-in capital	Retained earnings	Retained earnings Cumulative Effect, Period of Adoption, Adjustment	Accumulated other comprehensive income (loss)
Beginning balance at Dec. 31, 2020	$ 7,886		$ 566		$ 2,686	$ 4,309		$ 325
Beginning balance (in shares) at Dec. 31, 2020				164,090,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	1,129					1,129
Other comprehensive income (loss), net of tax	(405)							(405)
Bank common stock repurchased (in shares)				(13,521,000)
Bank common stock repurchased	(800)				(800)
Preferred stock redemption (in shares)			(126,000,000)
Preferred stock redemption	(126)				3	(3)
Net activity under employee plans and related tax benefits (in shares)				1,056,000
Net activity under employee plans and related tax benefits	39				39
Dividends on preferred stock	(29)					(29)
Dividends on common stock	(232)					(232)
Change in deferred compensation	1					1
Ending balance at Dec. 31, 2021	7,463		$ 440		1,928	5,175		(80)
Ending balance (in shares) at Dec. 31, 2021				151,625,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 907					907
Cumulative effect adjustment, adoption of ASU 2022-02, Financial Instruments - Credit Losses: Troubled Debt Restructurings	Accounting Standards Update 2022-02 [Member]
Other comprehensive income (loss), net of tax	$ (3,032)							(3,032)
Bank common stock repurchased (in shares)	(3,600,000)			(3,581,000)
Bank common stock repurchased	$ (202)				(202)
Net activity under employee plans and related tax benefits (in shares)				620,000
Net activity under employee plans and related tax benefits	28				28
Dividends on preferred stock	(29)					(29)
Dividends on common stock	(240)					(240)
Change in deferred compensation	(2)					(2)
Ending balance at Dec. 31, 2022	$ 4,893	$ 2	440		1,754	5,811	$ 2	(3,112)
Ending balance (in shares) at Dec. 31, 2022	148,664,000			148,664,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 680					680
Other comprehensive income (loss), net of tax	420							420
Bank common stock repurchased (in shares)				(972,000)
Bank common stock repurchased	(51)				(51)
Net activity under employee plans and related tax benefits (in shares)				461,000
Net activity under employee plans and related tax benefits	28				28
Dividends on preferred stock	(32)					(32)
Dividends on common stock	(245)					(245)
Change in deferred compensation	(4)					(4)
Ending balance at Dec. 31, 2023	$ 5,691		$ 440		$ 1,731	$ 6,212		$ (2,692)
Ending balance (in shares) at Dec. 31, 2023	148,153,000			148,153,000

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Statement of Stockholders' Equity [Abstract]
Dividends on common stock (in dollars per share)	$ 1.64	$ 1.58	$ 1.44

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 680	$ 907	$ 1,129
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	132	122	(276)
Depreciation and amortization	140	110	(14)
Share-based compensation	33	30	28
Deferred income tax expense (benefit)	(9)	(43)	32
Net decrease (increase) in trading securities	22	(93)	(107)
Net decrease (increase) in loans held for sale	(40)	48	14
Change in other liabilities	(299)	892	13
Change in other assets	169	(457)	(78)
Other, net	57	(46)	(112)
Net cash provided by operating activities	885	1,470	629
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease (increase) in money market investments	1,736	8,650	(5,577)
Proceeds from maturities and paydowns of investment securities held-to-maturity	1,052	445	457
Purchases of investment securities held-to-maturity	(41)	(399)	(262)
Proceeds from sales, maturities, and paydowns of investment securities available-for-sale	2,337	3,309	4,748
Purchases of investment securities available-for-sale	(666)	(5,829)	(13,647)
Net change in loans and leases	(2,103)	(4,628)	2,814
Purchases and sales of other noninterest-bearing investments	183	(298)	63
Purchases of premises and equipment	(113)	(190)	(206)
Acquisition of Nevada branches, net of cash acquired	0	318	0
Other, net	(15)	27	31
Net cash provided by (used in) investing activities	2,370	1,405	(11,579)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in deposits	3,309	(11,567)	13,136
Net change in short-term funds borrowed	(6,038)	9,514	(669)
Cash paid for preferred stock redemption	0	0	(126)
Redemption of long-term debt	(128)	(290)	(286)
Proceeds from the issuance of common stock	3	9	21
Dividends paid on common and preferred stock	(282)	(269)	(261)
Bank common stock repurchased	(51)	(202)	(800)
Other, net	(9)	(8)	(13)
Net cash provided by (used in) financing activities	(3,196)	(2,813)	11,002
Net increase in cash and due from banks	59	62	52
Cash and due from banks at beginning of year	657	595	543
Cash and due from banks at end of year	716	657	595
Cash paid for interest	1,368	160	81
Net cash paid for income taxes	255	21	442
Noncash activities:
Loans held for investment transferred to other real estate owned	0	0	25
Loans held for investment reclassified to loans held for sale, net	68	114	120
Trading securities reclassified to money market investments	395	0	0
Investment securities available-for-sale transferred to held-to-maturity, at amortized cost (fair value $10,691)	0	13,097	0
Deposits acquired in purchase of Nevada branches	0	430	0
Loans acquired in purchase of Nevada branches, net	$ 0	$ 95	$ 0

Consolidated Statements of Ca_2

Consolidated Statements of Cash Flows (Parenthetical) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2023
Statement of Cash Flows [Abstract]
Transfer from available for sale to held-to-maturity, fair value	$ 10,700	$ 10,691

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2023
Accounting Policies [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Business Zions Bancorporation, National Association (“Zions Bancorporation, N.A.,” “the Bank,” “we,” “our,” “us”) is a bank headquartered in Salt Lake City, Utah. We provide a wide range of banking products and related services in 11 Western and Southwestern states through seven separately managed affiliates: Zions Bank in Utah, Idaho, and Wyoming; California Bank & Trust (“CB&T”); Amegy Bank (“Amegy”) in Texas; National Bank of Arizona (“NBAZ”); Nevada State Bank (“NSB”); Vectra Bank Colorado (“Vectra”) in Colorado and New Mexico; and The Commerce Bank of Washington (“TCBW”) which operates under that name in Washington and under The Commerce Bank of Oregon in Oregon. Basis of Financial Statement Presentation and Principles of Consolidation The consolidated financial statements include our accounts and those of our majority-owned, consolidated subsidiaries. Unconsolidated investments where we have the ability to exercise significant influence over the operating and financial policies of the respective investee are accounted for using the equity method of accounting. All intercompany accounts and transactions have been eliminated in consolidation. Assets held in an agency or fiduciary capacity are not included in the consolidated financial statements. The consolidated financial statements have been prepared in accordance with United States (“U.S.”) generally accepted accounting principles (“GAAP”) and prevailing practices within the financial services industry. References to GAAP, including standards promulgated by the Financial Accounting Standards Board (“FASB”), are made according to sections of the Accounting Standards Codification (“ASC”). In preparing the consolidated financial statements, we are required to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates. Subsequent Events We evaluated events that occurred between December 31, 2023 and the date the accompanying financial statements were issued, and determined that there were no material events that would require adjustments to our consolidated financial statements or significant disclosure in the accompanying Notes. Variable Interest Entities A variable interest entity (“VIE”) is consolidated when we are the primary beneficiary of the VIE. Current accounting guidance requires continuous analysis to determine the primary beneficiary of a VIE. At the commencement of our involvement, and periodically thereafter, we consider our consolidation conclusions for all entities with which we are involved. At December 31, 2023, and 2022, we had no VIEs that have been consolidated in our financial statements. Statement of Cash Flows For purposes of presentation on the consolidated statements of cash flows, “cash and cash equivalents” are defined as those amounts included in “Cash and due from banks” on the consolidated balance sheets. Fair Value Estimates We measure many of our assets and liabilities on a fair value basis. Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. To increase consistency and comparability in fair value measurements, we prioritize valuation inputs in accordance with a three-level hierarchy. We prioritize quoted prices in active markets and minimize reliance on unobservable inputs when possible. When observable market prices are not available, fair value is estimated using modeling techniques requiring professional judgment to estimate the appropriate fair value. We believe we use assumptions that market participants would consider in pricing the asset or the liability. Changes in market conditions may reduce the availability of quoted prices or observable data. See Note 3 for further information regarding the use of fair value estimates. Securities Purchased Under Agreements to Resell Securities purchased under agreements to resell represent overnight and term agreements with the majority maturing within 30 days. These agreements are generally treated as collateralized financing transactions and are carried at amounts at which the securities were acquired plus accrued interest. We, or in some instances third parties on our behalf, take possession of the underlying securities. The fair value of such securities is monitored throughout the contract term to ensure that asset values remain sufficient to protect against counterparty default. We are permitted by contract to sell or repledge certain securities that we accept as collateral for securities purchased under agreements to resell. If sold, our obligation to return the collateral is recorded as “securities sold, not yet purchased” and included as a liability in “Federal funds and other short-term borrowings” on the consolidated balance sheet. At December 31, 2023, and 2022, we held $877 million and $2.3 billion of securities for which we were permitted by contract to sell or repledge, respectively. Securities purchased under agreements to resell averaged $1.3 billion and $2.4 billion during 2023 and 2022, and the maximum amount outstanding at any month-end during those same time periods was $2.0 billion and $2.7 billion, respectively. Investment Securities We classify our investment securities according to their purpose and holding period. Gains or losses on the sale of securities are recognized using the specific identification method and recorded in noninterest income. Held-to-maturity (“HTM”) debt securities are carried at amortized cost with purchase discounts or premiums accreted or amortized into interest income over the contractual life of the security. We have the intent and ability to hold such securities until maturity. For HTM securities, the allowance for credit losses (“ACL”) is assessed consistent with the approach described in Note 6 for loans carried at amortized cost. Available-for-sale (“AFS”) securities are measured at fair value and generally consist of debt securities held for investment. Unrealized gains and losses of AFS securities, after applicable taxes, are recorded as a component of other comprehensive income (“OCI”). AFS securities in an unrealized loss position are formally reviewed on a quarterly basis for the presence of credit impairment. If we have the intent to sell an identified security, or it is more likely than not we will be required to sell the security before recovery of its amortized cost basis, we write the amortized cost down to the security’s fair value at the reporting date through earnings. If we have the intent and ability to hold the securities, they are analyzed to determine whether any impairment was attributable to credit-related factors. If a credit impairment is determined to exist, then we measure the amount of credit loss and recognize an allowance for the credit loss. In measuring the credit loss, we generally compare the present value of cash flows expected to be collected from the security to the amortized cost basis of the security. These cash flows are credit adjusted using, among other things, assumptions for default probability and loss severity. Certain other inputs, such as prepayment rate assumptions, are also utilized. In addition, certain internal models may be utilized. To determine the credit-related portion of impairment, we use the security-specific effective interest rate when estimating the present value of cash flows. If the present value of cash flows is less than the amortized cost basis of the security, then this amount is recorded as an allowance for credit loss, limited to the amount that the fair value is less than the amortized cost basis (i.e., the credit impairment cannot result in the security being carried at an amount lower than its fair value). The process, methodology, and factors considered to evaluate securities for impairment are described further in Note 5. See also Note 3 for further information regarding the measurement of our investment securities at fair value. 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. 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 include ROU assets for operating leases and finance leases in “Other assets,” and “Premises, equipment and software, net” on the consolidated balance sheet, respectively. The corresponding liabilities for those leases are included in “Other liabilities,” and “Long-term debt” on the consolidated balance sheet, respectively. See Note 8 for further information regarding the accounting for leases. Loans Loans are reported at their amortized cost basis, which includes the principal amount outstanding, net of unamortized purchase premiums, discounts, and deferred loan fees and costs, which are amortized into interest income over the life of the loan using the interest method. At the time of origination, we generally determine whether loans are held for investment or held for sale. We may subsequently change our intent for a loan or group of loans and reclassify them accordingly. Loans held for sale are carried at the lower of aggregate cost or fair value. A valuation allowance is recorded when cost exceeds fair value based on reviews at the time of reclassification and periodically thereafter. Associated gains and losses are calculated based on the difference between sales proceeds and carrying value, and are included in “Loan-related fees and income” on the consolidated statement of income. We evaluate loans throughout their lives for indications of credit deterioration, which may impact the loan status, risk-grading, and potentially impact the accounting for that loan. Loan status categories include past due as to contractual payments, accruing or nonaccruing, and modified or restructured, including troubled debt restructurings (“TDRs”), which were no longer identified after the adoption of Accounting Standards Update (“ASU”) 2022-02, Financial Instruments—Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures , beginning January 1, 2023 as discussed in Note 2. Our accounting policies for loans and our estimation of the related ACL are described further in Note 6. In the ordinary course of business, we may syndicate portions of loans or transfer portions of loans under participation agreements to manage credit risk and our portfolio concentration. We evaluate the loan participations to determine if they meet the appropriate accounting guidance to qualify as sales. Certain purchased loans require separate accounting procedures that are also described in Note 6. We elect the fair value option for certain commercial real estate (“CRE”) loans that are intended for sale or securitization and are hedged with derivative instruments, as described further in Note 3. Allowance for Credit Losses The ACL, which consists of the allowance for loan and lease losses (“ALLL”) and the reserve for unfunded lending commitments (“RULC”), represents our estimate of current expected credit losses related to the loan and lease portfolio and unfunded lending commitments as of the balance sheet date. The ACL for debt securities is estimated separately from loans. See Note 6 for further discussion of our estimation process for the ACL. Other Noninterest-bearing Investments These investments include private equity investments (“PEIs”), venture capital securities, securities acquired for various debt and regulatory requirements, bank-owned life insurance (“BOLI”), and certain other noninterest-bearing investments. See further discussion in Note 3. Certain PEIs and venture capital securities are accounted for under the equity method when we are able to exercise significant influence over the operating and financial policies of the investee. Equity investments in PEIs that do not give us significant influence are reported at fair value, unless there is not a readily determinable fair value. We have elected to measure PEIs without readily determinable fair values at cost less impairment (if any), plus or minus observable price changes from an identical or similar investment of the same issuer, referred to as the “measurement alternative.” Periodic reviews are conducted for impairment by comparing carrying values with estimates of fair value. Changes in fair value, impairment losses, and gains and losses from sales are included in “Securities gains (losses), net” on the consolidated statement of income. BOLI is accounted for at fair value based on the cash surrender values (“CSVs”) of the general account insurance policies. Premises, Equipment, and Software Premises, equipment, and software are reported at cost, net of accumulated depreciation and amortization. Depreciation, computed primarily on the straight-line method, is charged to operations over the estimated useful lives of the properties, generally 25 to 40 years for buildings, three three to 10 years for software, including capitalized costs related to our technology initiatives. Leasehold improvements are amortized over the terms of the respective leases (including any extension options that are reasonably certain to be exercised) or the estimated useful lives of the improvements, whichever is shorter. Premises, equipment, and software are evaluated for impairment on a periodic basis. Goodwill and Intangible Assets Goodwill is recorded at fair value at the time of its acquisition and is subsequently evaluated for impairment annually, or more frequently if conditions warrant. Business Combinations Business combinations are accounted for under the acquisition method of accounting. Upon initially obtaining control, we recognize 100% of all acquired assets and all assumed liabilities, regardless of the percentage owned. The assets and liabilities are recorded at their estimated fair values, with goodwill being recorded when such fair values are less than the cost of acquisition. Certain transaction and restructuring costs are expensed as incurred. Changes to estimated fair values from a business combination are recognized as an adjustment to goodwill over the measurement period, which cannot exceed one year from the acquisition date. Results of operations of acquired businesses are included on our statement of income from the date of acquisition. Other Real Estate Owned Other real estate owned (“OREO”) consists primarily of commercial and residential real estate acquired in partial or total satisfaction of loan obligations. Amounts are recorded initially at fair value (less estimated selling costs) based on recent property appraisals at the time of transfer and subsequently at the lower of cost or fair value (less estimated selling costs). Derivative Instruments We use derivative instruments such as swaps and purchased and sold options as an important tool in managing our asset and liability sensitivities to remain within our stated interest rate risk thresholds. Their use allows us to adjust and align our mix of fixed- and floating-rate assets and liabilities to manage interest income and expense volatility, the duration of our assets and liabilities, and other metrics, such as the economic value of equity, by synthetically converting variable-rate assets to fixed-rate, or synthetically converting variable-rate assets and liabilities to fixed rate, or synthetically converting fixed-rate assets and funding instruments to floating rates. We also execute both interest rate and short-term foreign currency derivative instruments with our commercial banking customers to facilitate their risk management objectives. These derivatives are hedged by entering into offsetting derivatives with third parties such that we minimize our net risk exposure as a result of such transactions. We record all derivatives at fair value, and they are included in “Other assets” or “Other liabilities” on the consolidated balance sheet. The accounting for the change in value of a derivative depends on whether or not the transaction has been designated and qualifies for hedge accounting. Derivatives that are not designated as hedges are reported and measured at fair value through earnings. See Note 7 for more information. Derivatives Designated in Qualifying Hedging Relationships We apply hedge accounting to certain derivatives executed for risk management purposes, primarily interest rate risk. To qualify for hedge accounting, a derivative must be highly effective at reducing the risk associated with the exposure being hedged and the hedging relationship must be formally documented. We primarily use regression analysis to assess the effectiveness of each hedging relationship, unless the hedge qualifies for other methods of assessing effectiveness (e.g., shortcut or critical terms match), both at inception and on an ongoing basis. We designate derivatives as fair value and cash flow hedges for accounting purposes. See Note 7 for more information regarding the accounting for derivatives designated as hedging instruments. Commitments and Letters of Credit In the ordinary course of business, we enter into loan commitments, commercial letters of credit, and standby letters of credit. Such financial instruments are recorded in the financial statements when they are funded. The credit risk associated with these commitments is evaluated in a manner similar to the ALLL. The RULC is presented separately on the consolidated balance sheet. Revenue Recognition Revenue from contracts with customers is recognized when control of the promised goods or services is transferred to our customers, in an amount that reflects the consideration we expect to be entitled to in exchange for those goods or services. See Note 17 for further information regarding how we recognize revenue for contracts with customers. Share-based Compensation Share-based compensation generally includes grants of stock options, restricted stock, restricted stock units (“RSUs”), and other awards to employees and nonemployee directors. We record compensation expense based on the grant-date value of the associated share-based awards. See further discussion in Note 19. Income Taxes Deferred tax assets (“DTAs”) and deferred tax liabilities (“DTLs”) are determined based on temporary differences between financial statement asset and liability amounts and their respective tax basis, and are measured using enacted tax laws and rates. The effect of a change in tax rates on DTAs and DTLs is recognized into income in the period that includes the enactment date. DTAs are recognized insofar that management deems it more likely than not that they will be realized. Unrecognized tax benefits for uncertain tax positions primarily relate to tax credits on technology initiatives. See Note 20 for more information about the factors that impacted our effective tax rate, significant components of our DTAs and DTLs, including our assessment regarding valuation allowances and unrecognized tax benefits for uncertain tax positions. Net Earnings Per Common Share Net earnings per common share is based on net earnings applicable to common shareholders, which is net of preferred stock dividends. Basic net earnings per common share is based on the weighted average outstanding common shares during each year. Unvested share-based awards with rights to receive nonforfeitable dividends are considered participating securities and are included in the computation of basic earnings per share. Diluted net earnings per common share is based on the weighted average outstanding common shares during each year, including common stock equivalents. Stock options, restricted stock, RSUs, and stock warrants are converted to common stock equivalents using the more dilutive of the treasury stock method or the two-class method. Diluted net earnings per common share excludes common stock equivalents whose effect is antidilutive. See further discussion in Note 21.

Recent Accounting Pronouncement

Recent Accounting Pronouncements	12 Months Ended
	Dec. 31, 2023
Accounting Policies [Abstract]
RECENT ACCOUNTING PRONOUNCEMENTS	RECENT ACCOUNTING PRONOUNCEMENTS Standard Description Effective date Effect on the financial statements or other significant matters Standards not yet adopted by the Bank as of December 31, 2023 ASU 2022-03, Fair Value Measurement (Topic 820): Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions This ASU clarifies that contractual restrictions prohibiting the sale of an equity security are not considered part of the unit of account of the equity security, and therefore, are not considered in measuring fair value. The amendments clarify that an entity cannot recognize and measure a contractual sale restriction as a separate unit of account. The amendments in this ASU also require additional qualitative and quantitative disclosures for equity securities subject to contractual sale restrictions. January 1, 2024 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. The overall effect of this standard is not expected to have a material impact on our financial statements. 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 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 on the consolidated statement of income 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. January 1, 2024 We do not currently have any additional equity investments that are eligible for PAM under the provisions of this ASU. The overall effect of this standard is not expected to have a material impact on our financial statements. ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures This ASU expands operating segment disclosures and requires all segment disclosures to be reported in both annual and interim periods. The new standard requires disclosure of the following: • Significant segment expenses that are regularly provided to the chief operating decision maker (“CODM”) for reportable segments; • The title and position of the CODM as well as how the CODM uses the reported measure(s) of profit and loss to assess segment performance; and • “Other segment items” by reportable segment and a description of its composition. Annual periods beginning January 1, 2024; Interim periods beginning January 1, 2025 The overall effect of this standard is not expected to have a material impact on our financial statements. ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures This ASU expands tax disclosures to provide more information to better assess how an entity’s operations and related tax risks and tax planning and opportunities affect its tax rate and prospects for future cash flows. The enhancements in this ASU require that an entity disaggregate income taxes paid and income (or loss) from continuing operations before tax expense (or benefit), and income tax expense (or benefit) from continuing operations. The new standard requires disclosure of specific categories in the rate reconciliation and provide additional information for reconciling items that meet a quantitative threshold. January 1, 2025 We are evaluating the disclosure requirements. The overall effect of this standard is not expected to have a material impact on our financial statements. Standards adopted by the Bank in 2023 ASU 2022-02, Financial Instruments—Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures This ASU eliminated the recognition and measurement guidance on troubled debt restructurings for creditors that have adopted ASC 326 (“CECL”), and eliminated certain previously required TDR disclosures while expanding disclosures about loan modifications for borrowers experiencing financial difficulty. The new standard also required public companies to present gross write-offs (on a year-to-date basis for interim-period disclosures) by year of origination in their vintage disclosures. January 1, 2023 We adopted the guidance in the new standard on January 1, 2023. The adoption of this standard did not have a material effect on our financial statements.

Fair Value

Fair Value	12 Months Ended
	Dec. 31, 2023
Fair Value Disclosures [Abstract]
FAIR VALUE	FAIR VALUE Fair Value Measurement Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. To measure fair value, a hierarchy has been established that prioritizes the use of observable inputs over unobservable inputs. This hierarchy uses the following three levels of inputs to measure the fair value of assets and liabilities: • Level 1 — Quoted prices in active markets for identical assets or liabilities that we have the ability to access; • Level 2 — Observable inputs other than Level 1, including quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in less active markets, observable inputs other than quoted prices that are used in the valuation of an asset or liability, and inputs that are derived principally from or corroborated by observable market data by correlation or other means; and • Level 3 — Unobservable inputs supported by little or no market activity for financial instruments whose value is determined by pricing models, discounted cash flow methodologies or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. The level in the fair value hierarchy within which the fair value measurement is classified is determined based on the lowest level input that is significant to the fair value measurement in its entirety. Market activity is presumed to be orderly in the absence of evidence of forced or disorderly sales. Applicable accounting guidance precludes the use of blockage factors or liquidity adjustments due to the quantity of securities held by an entity. We measure certain assets and liabilities at fair value on a recurring basis when fair value is the primary measure for accounting. Fair value is used on a nonrecurring basis to measure certain assets, such as the application of lower of cost or fair value accounting and the recognition of impairment on assets. Fair value is also used when providing required disclosures for certain financial instruments. Fair Value Policies and Procedures We have various policies, processes, and controls in place to ensure that fair values are reasonably developed, reviewed, and approved for use. Our Securities Valuation Committee, comprised of executive management, reviews and approves on a quarterly basis the key components of fair value measurements, including critical valuation assumptions for Level 3 measurements. Our Model Risk Management Group conducts model validations, including internal models, and sets policies and procedures for revalidation, including the timing of revalidation. Third-party Service Providers We use a third-party pricing service to measure fair value for substantially all of our Level 2 AFS securities. Fair value measurements for other Level 2 AFS securities generally use inputs corroborated by market data and include standard discounted cash flow analyses. For Level 2 securities, the third-party pricing service provides documentation on an ongoing basis that presents market data, including detailed pricing information and market reference data. The documentation includes benchmark yields, reported trades, broker-dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, and reference data, including information from the vendor trading platform. We review, test, and validate this information on a regular basis. The following describes the hierarchy designations, valuation methodologies and key inputs to measure fair value on a recurring basis for designated financial instruments: Available-for-Sale • U.S. Treasury, Agencies and Corporations — U.S. Treasury securities measured using quoted market prices are classified in Level 1. U.S. agency and corporate securities measured using observable market inputs are classified in Level 2. • Municipal Securities — Municipal securities are measured using observable market inputs and are classified in Level 2. • Other Debt Securities — Other debt securities are measured using quoted prices for similar securities and are classified in Level 2. Trading Trading securities are measured using observable market inputs and are classified in Level 1 and Level 2. Bank-owned Life Insurance BOLI is measured according to the CSV of the insurance policies. Nearly all policies are general account policies with CSVs based on our claims on the assets of the insurance companies. The insurance companies’ investments include predominantly fixed-income securities consisting of investment-grade corporate bonds and various types of mortgage instruments. Management regularly reviews its BOLI investment performance, including concentrations among insurance providers and classifies BOLI balances in Level 2. Private Equity Investments PEIs measured at fair value on a recurring basis are generally classified in Level 3 because related measurements include unobservable inputs. Key assumptions and considerations include current and projected financial performance, recent financing activities, economic and market conditions, market comparable companies, market liquidity, and other factors. The majority of these PEIs are held in our Small Business Investment Company (“SBIC”) and are early-stage venture investments. These investments are reviewed at least quarterly by the Securities Valuation Committee and whenever a new round of financing occurs. Some of these investments may be measured using multiples of operating performance. The Equity Investments Committee reviews periodic financial information for these investments, including audited financial statements when available. On occasion, PEIs may become publicly traded and are measured in Level 1. Certain restrictions may apply for the redemption of these investments. Agriculture Loan Servicing We service agriculture loans approved and funded by Federal Agricultural Mortgage Corporation (“FAMC”), and provide this servicing under an agreement with FAMC for the loans it owns. The servicing assets are measured at fair value, which represents our projection of the present value of net future cash flows. Because related measurements include unobservable inputs, these assets are classified in Level 3. Loans held for sale We have elected the fair value option for certain commercial real estate loans that are intended for sale to a third-party conduit for securitization. These loans are measured at fair value using observable market prices for mortgage-backed securities with similar collateral. The value of the loans incorporates adjustments for differences between the securities and the value of the underlying loans due to credit quality, portfolio composition, and liquidity. Valuations of loans measured at fair value are generally classified in Level 2 in the fair value hierarchy because their pricing is largely based on observable market inputs. Deferred Compensation Plan Assets Invested assets in the deferred compensation plan consist of shares of registered investment companies. These mutual funds are valued using quoted market prices, which represents the net asset value (“NAV”) of shares held by the plan at the end of the period. As such, these assets are classified in Level 1. Derivatives Exchange-traded derivatives, including foreign currency exchange contracts, are generally classified in Level 1 because they are traded in active markets. Over-the-counter derivatives, consisting primarily of interest rate swaps and options, are generally classified in Level 2 as the related fair values are obtained from third-party services that utilize observable market inputs. Observable market inputs include yield curves, foreign exchange rates, commodity prices, option volatility, counterparty credit risk, and other related data. Valuations include credit valuation adjustments (“CVAs”) to reflect nonperformance risk for both us and our counterparties. CVAs are determined generally by applying a credit spread to the total expected exposure (net of any collateral) of the derivative. Securities Sold, Not Yet Purchased Securities sold, not yet purchased, are included in “Federal funds and other short-term borrowings” on the consolidated balance sheet, and are measured using quoted market prices and are generally classified in Level 1. If market prices for identical securities are not available, quoted prices for similar securities are used with the related balances classified in Level 2. Fair Value Hierarchy The following schedule presents assets and liabilities measured at fair value on a recurring basis: (In millions) December 31, 2023 Level 1 Level 2 Level 3 Total ASSETS Available-for-sale securities: U.S. Treasury, agencies, and corporations $ 492 $ 8,467 $ — $ 8,959 Municipal securities 1,318 1,318 Other debt securities 23 23 Total available-for-sale 492 9,808 — 10,300 Trading securities 48 48 Other noninterest-bearing investments: Bank-owned life insurance 553 553 Private equity investments 1 3 92 95 Other assets: Agriculture loan servicing 19 19 Loans held for sale 43 43 Deferred compensation plan assets 124 124 Derivatives 420 420 Total assets $ 619 $ 10,872 $ 111 $ 11,602 LIABILITIES Securities sold, not yet purchased $ 65 $ — $ — $ 65 Other liabilities: Derivatives 333 333 Total liabilities $ 65 $ 333 $ — $ 398 1 The level 1 PEIs relate to the portion of our 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. Roll-forward of Level 3 Fair Value Measurements The following schedule presents a roll-forward of assets and liabilities that are measured at fair value on a recurring basis using Level 3 inputs: Level 3 Instruments December 31, 2023 December 31, 2022 December 31, 2021 (In millions) Private Ag loan servicing Private Ag loan servicing Private Ag loan servicing Balance at beginning of year $ 81 $ 14 $ 66 $ 12 $ 80 $ 16 Unrealized securities gains (losses), net (2) — 3 — 71 — Other noninterest income (expense) 1 — 5 — 2 — (3) Purchases 14 — 16 — 17 — Cost of investments sold (1) — (3) — (24) — Redemptions and paydowns — — — — — (1) Transfers out 2 — — (1) — (78) — Balance at end of year $ 92 $ 19 $ 81 $ 14 $ 66 $ 12 1 Represents the valuation adjustments related to the agricultural loan servicing asset. 2 Represents the transfer of SBIC investments out of Level 3 and into Level 1 because they are publicly traded. The roll-forward of Level 3 instruments includes the following realized gains and losses included in “Securities gains (losses), net” on the consolidated statement of income for the periods presented: (In millions) Year Ended December 31, 2023 2022 2021 Securities gains (losses), net $ (1) $ (2) $ 31 Nonrecurring Fair Value Measurements Certain assets and liabilities may be recorded at fair value on a nonrecurring basis, including impaired loans that have been measured based on the fair value of the underlying collateral, OREO, and equity investments without readily determinable fair values. Nonrecurring fair value adjustments generally include changes in value resulting from observable price changes for equity investments without readily determinable fair values, write-downs of individual assets, or the application of lower of cost or fair value accounting. At December 31, 2023, we had an insignificant amount of assets or liabilities that had fair value changes measured on a nonrecurring basis. Loans that are collateral dependent were measured at the lower of amortized cost or the fair value of the collateral. OREO was measured initially at fair value based on collateral appraisals at the time of transfer and subsequently at the lower of cost or fair value (less any selling costs). Measurement of fair value for collateral-dependent loans and OREO was based on third-party appraisals that utilize one or more valuation techniques (income, market and/or cost approaches). Any adjustments to calculated fair value were made based on recently completed and validated third-party appraisals, third-party appraisal services, automated valuation services, or our informed judgment. Automated valuation services may be used primarily for residential properties when values from any of the previous methods were not available within 90 days of the balance sheet date. These services use models based on market, economic, and demographic values. At December 31, 2023, we had less than $1 million of collateral-dependent loans classified in Level 2, and we recognized an insignificant amount of losses from fair value changes related to these loans. Fair Value of Certain Financial Instruments The following schedule presents the carrying values and estimated fair values of certain financial instruments: December 31, 2023 December 31, 2022 (In millions) Carrying Fair value Level Carrying Fair value Level Financial assets: Held-to-maturity investment securities $ 10,382 $ 10,466 2 $ 11,126 $ 11,239 2 Loans and leases (including loans held for sale), net of allowance 57,148 54,832 3 55,086 53,093 3 Financial liabilities: Time deposits 9,996 9,964 2 2,309 2,269 2 Long-term debt 542 494 2 651 635 2 The preceding 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, such as cash and due from banks; money market investments; demand, savings, and money market deposits; federal funds purchased and other short-term borrowings; and security repurchase agreements. The estimated fair value of demand, savings and money market deposits is the amount payable on demand at the reporting date. Carrying value is used because the accounts have no stated maturity, the customer has the ability to withdraw funds immediately, and there is generally negligible credit risk. Instruments for which carrying value approximates fair value are generally classified in Level 2 in the fair value hierarchy because their pricing is largely based on observable market inputs. Time and foreign deposits are measured at fair value by discounting future cash flows using the applicable yield curve to the given maturity dates. Long-term debt is measured at fair value based on actual market trades (i.e., an asset value) when available, or discounting cash flows to maturity using the applicable yield curve adjusted for credit spreads. For loans measured at amortized cost, fair value is estimated for disclosure purposes by discounting future cash flows using the applicable yield curve adjusted by a factor that is derived from analyzing recent loan originations and combined with a liquidity premium inherent in the loan. These future cash flows are then reduced by the estimated life-of-the-loan aggregate credit losses in the loan portfolio. The methods used to measure fair value for HTM securities was previously described. These fair value disclosures represent our best estimates based on relevant market information. Fair value estimates are based on judgments regarding current economic conditions, future expected loss experience, risk characteristics of the various instruments, and other factors. These estimates are subjective in nature, involve uncertainties and matters of significant judgment, and cannot be determined with precision. Changes in these methodologies and assumptions would significantly affect the estimates. Fair Value Option for Certain Loans Held for Sale During the second quarter of 2023, we elected the fair value option for certain commercial real estate loans that are intended for sale to a third-party conduit for securitization and are hedged with derivative instruments. Electing the fair value option reduces the accounting volatility that would otherwise result from the asymmetry created by accounting for the loans held for sale at the lower of cost or fair value and the derivatives at fair value without the complexity of applying hedge accounting. These loans are included in “Loans held for sale” on the consolidated balance sheet, and associated gains and losses are included in “Capital markets fees” on the consolidated statement of income. At December 31, 2023, we had $43 million of loans measured at fair value ($43 million par value). During 2023, we recognized approximately $4 million of net gains from valuation adjustments of loans carried at fair value and the associated derivatives.

Offsetting Assets and Liabiliti

Offsetting Assets and Liabilities	12 Months Ended
	Dec. 31, 2023
Offsetting [Abstract]
OFFSETTING ASSETS AND LIABILITIES	OFFSETTING ASSETS AND LIABILITIES The following schedule presents gross and net information for selected financial instruments on the balance sheet: December 31, 2023 (In millions) Gross amounts not offset on the balance sheet Description Gross amounts recognized Gross amounts offset on the balance sheet Net amounts presented on the balance sheet Financial instruments Cash collateral received/pledged Net amount Assets: Federal funds sold and securities purchased under agreements to resell $ 1,170 $ (233) $ 937 $ — $ — $ 937 Derivatives (included in Other assets 420 — 420 (31) (357) 32 Total assets $ 1,590 $ (233) $ 1,357 $ (31) $ (357) $ 969 Liabilities: Federal funds and other short-term borrowings $ 4,612 $ (233) $ 4,379 $ — $ — $ 4,379 Derivatives (included in Other liabilities 333 — 333 (31) (1) 301 Total liabilities $ 4,945 $ (233) $ 4,712 $ (31) $ (1) $ 4,680 December 31, 2022 (In millions) Gross amounts not offset on the balance sheet Description Gross amounts recognized Gross amounts offset on the balance sheet Net amounts presented on 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, on the balance sheet according to master netting agreements. Security repurchase agreements are included in “Federal funds and other short-term borrowings.” on the consolidated balance sheet. Derivative instruments may be offset under their master netting agreements; however, for accounting purposes, we present these items on a gross basis on our balance sheet. See Note 7 for further information regarding derivative instruments.

Investments

Investments	12 Months Ended
	Dec. 31, 2023
Investments [Abstract]
INVESTMENTS	INVESTMENTS Investment Securities Investment securities are classified as HTM, AFS, or trading. HTM securities, which management has the intent and ability to hold until maturity, are carried at amortized cost. The amortized cost amounts represent the original cost of the investments, adjusted for related amortization or accretion of any purchase premiums or discounts, and for any impairment losses, including credit-related impairment. AFS securities are carried at fair value, and changes in fair value (unrealized gains and losses) are reported as net increases or decreases to AOCI, net of related taxes. Trading securities are 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 $65 million and $75 million at December 31, 2023, and 2022, respectively. These receivables are included in “Other assets” on the consolidated balance sheet. The purchase premiums for callable debt securities classified as HTM or AFS are amortized into interest income at an effective yield to the earliest call date. The purchase premiums and discounts for all other HTM and AFS securities are recorded as interest income over the contractual life of the security using the effective yield method. As principal prepayments are received on securities, a proportionate amount of the related premium or discount is recognized in income so that the effective yield on the remaining portion of the security continues unchanged. See Note 3 for more information about the process to estimate fair value for investment securities. 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 gains or losses reported in AOCI will offset the effect of the amortization of the premium or discount in interest income that is created by the transfer. The following schedules present the amortized cost and estimated fair values of our HTM and AFS securities: December 31, 2023 (In millions) Amortized Gross unrealized gains 1 Gross Estimated Held-to-maturity U.S. Government agencies and corporations: Agency securities $ 93 $ — $ 6 $ 87 Agency guaranteed mortgage-backed securities 9,935 156 50 10,041 Municipal securities 354 — 16 338 Total held-to-maturity 10,382 156 72 10,466 Available-for-sale U.S. Treasury securities 585 — 93 492 U.S. Government agencies and corporations: Agency securities 663 — 33 630 Agency guaranteed mortgage-backed securities 8,530 — 1,239 7,291 Small Business Administration loan-backed securities 571 — 25 546 Municipal securities 1,385 — 67 1,318 Other 25 — 2 23 Total available-for-sale 11,759 — 1,459 10,300 Total HTM and AFS investment securities $ 22,141 $ 156 $ 1,531 $ 20,766 1 Gross unrealized gains for the respective AFS 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 1 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 1 75 — 2 73 Total available-for-sale 13,538 2 1,625 11,915 Total HTM and AFS investment securities $ 24,664 $ 167 $ 1,677 $ 23,154 1 Gross unrealized gains for these security categories were less than $1 million. 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 HTM. The transfer of these securities 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 December 31, 2023, the unamortized discount on the HTM securities totaled approximately $2.1 billion ($1.5 billion after tax) . Maturities The following schedule presents the amortized cost and weighted average yields of debt securities by contractual maturity of principal payments at December 31, 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. December 31, 2023 Total debt securities 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 $ 93 3.55 % $ — — % $ — — % $ — — % $ 93 3.55 % Agency guaranteed mortgage-backed securities 9,935 1.85 — — — — 45 1.94 9,890 1.85 Municipal securities 1 354 3.15 26 2.70 127 3.00 166 3.36 35 3.08 Total held-to-maturity securities 10,382 1.91 26 2.70 127 3.00 211 3.06 10,018 1.87 Available-for-sale U.S. Treasury securities 585 3.26 184 5.24 — — — — 401 2.35 U.S. Government agencies and corporations: Agency securities 663 2.63 116 0.93 154 3.16 207 2.73 186 3.15 Agency guaranteed mortgage-backed securities 8,530 2.01 3 1.40 174 1.63 1,459 2.11 6,894 2.00 Small Business Administration loan-backed securities 571 5.54 1 5.33 22 6.33 141 4.40 407 5.89 Municipal securities 1 1,385 2.18 138 2.54 432 2.63 717 1.84 98 2.22 Other debt securities 25 8.77 — — — — 10 9.50 15 8.28 Total available-for-sale securities 11,759 2.32 442 3.24 782 2.61 2,534 2.24 8,001 2.26 Total HTM and AFS investment securities $ 22,141 2.13 % $ 468 3.21 % $ 909 2.67 % $ 2,745 2.30 % $ 18,019 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: December 31, 2023 Less than 12 months 12 months or more Total (In millions) Gross Estimated Gross Estimated Gross Estimated Available-for-sale U.S. Treasury securities $ — $ — $ 93 $ 308 $ 93 $ 308 U.S. Government agencies and corporations: Agency securities — 5 33 605 33 610 Agency guaranteed mortgage-backed securities 71 312 1,168 6,902 1,239 7,214 Small Business Administration loan-backed securities — 4 25 484 25 488 Municipal securities 2 229 65 1,061 67 1,290 Other — — 2 13 2 13 Total available-for-sale investment securities $ 73 $ 550 $ 1,386 $ 9,373 $ 1,459 $ 9,923 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 December 31, 2023, and 2022, approximately 2,998 and 3,562 AFS investment securities were in an unrealized loss position, respectively. Impairment Ongoing Policy On a quarterly basis, we review our investment securities portfolio for the presence of impairment on an individual security basis. For AFS securities, when the fair value of a debt security is less than its amortized cost basis at the balance sheet date, we assess for the presence of credit impairment. When determining if the fair value of an investment is less than the amortized cost basis, we have elected to exclude accrued interest from the amortized cost basis of the investment. If we have the intent to sell an identified security, or if it is more likely than not we will be required to sell the security before recovery of its amortized cost basis, we write the amortized cost down to the security’s fair value at the reporting date through earnings. If we have the intent and ability to hold the securities, we determine whether there is any impairment attributable to credit-related factors. We analyze certain factors, primarily internal and external credit ratings, to determine if the decline in fair value below the amortized cost basis has resulted from a credit loss or other factors. If a credit impairment is determined to exist, then we measure the amount of credit loss and recognize an allowance for the credit loss. In measuring the credit loss, we generally compare the present value of cash flows expected to be collected from the security to the amortized cost basis of the security. These cash flows are credit adjusted using, among other things, assumptions for default probability and loss severity. Certain other inputs, such as prepayment rate assumptions, are also utilized. In addition, certain internal models may be utilized. To determine the credit-related portion of impairment, we use the security-specific effective interest rate when estimating the present value of cash flows. If the present value of cash flows is less than the amortized cost basis of the security, then this amount is recorded as an allowance for credit loss, limited to the amount that the fair value is less than the amortized cost basis (i.e., the credit impairment cannot result in the security being carried at an amount lower than its fair value). The assumptions used to estimate the expected cash flows depend on the particular asset class, structure, and credit rating of the security. Declines in fair value that are not recorded in the allowance are recorded in other comprehensive income, net of applicable taxes. AFS Impairment We did not recognize any impairment on our AFS investment securities portfolio during 2023 or 2022. 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 December 31, 2023, we had not initiated any sales of AFS securities, nor did we have an intent to sell any identified securities with unrealized losses. We do not believe it is more likely than not that we would be required to sell such securities before recovery of their amortized cost basis. HTM Impairment For HTM securities, the ACL is assessed consistent with the approach described in Note 6 for loans and leases measured at amortized cost. At December 31, 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 income: 2023 2022 2021 (In millions) Gross Gross Gross Gross Gross Gross Available-for-sale 72 72 — — — — Trading 13 11 — — — — Other noninterest-bearing investments $ 27 $ 25 $ 11 $ 26 $ 119 $ 48 Total 112 108 11 26 119 48 Net gains (losses) 1 $ 4 $ (15) $ 71 1 Net gains (losses) are included in “S ecurities gains (losses), net ” on the consolidated statement of income. The following schedule presents interest income by security type: (In millions) 2023 2022 2021 Taxable Nontaxable Total Taxable Nontaxable Total Taxable Nontaxable Total Investment securities: Held-to-maturity $ 236 $ 3 $ 239 $ 42 $ 4 $ 46 $ 10 $ 5 $ 15 Available-for-sale 291 31 322 411 40 451 256 29 285 Trading — 2 2 — 15 15 — 11 11 Total securities $ 527 $ 36 $ 563 $ 453 $ 59 $ 512 $ 266 $ 45 $ 311

Loans, Leases, and Allowance Fo

Loans, Leases, and Allowance For Credit Losses	12 Months Ended
	Dec. 31, 2023
Receivables [Abstract]
LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES	LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES Loans, Leases, and Loans Held for Sale Loans and leases are summarized as follows according to major portfolio segment and specific class: December 31, (In millions) 2023 2022 Loans held for sale $ 53 $ 8 Commercial: Commercial and industrial 1 $ 16,684 $ 16,377 Leasing 383 386 Owner-occupied 9,219 9,371 Municipal 4,302 4,361 Total commercial 30,588 30,495 Commercial real estate: Construction and land development 2,669 2,513 Term 10,702 10,226 Total commercial real estate 13,371 12,739 Consumer: Home equity credit line 3,356 3,377 1-4 family residential 8,415 7,286 Construction and other consumer real estate 1,442 1,161 Bankcard and other revolving plans 474 471 Other 133 124 Total consumer 13,820 12,419 Total loans and leases $ 57,779 $ 55,653 1 Commercial and industrial loan balances include Paycheck Protection Program (“PPP”) loans of $77 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 $37 million and $49 million at December 31, 2023, and December 31, 2022, respectively. Amortized cost basis does not include accrued interest receivables of $299 million and $247 million at December 31, 2023, and December 31, 2022, respectively. These receivables are included in “ 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 $219 million at December 31, 2023 and $262 million at December 31, 2022. Loans with a carrying value of approximately $36.3 billion at December 31, 2023, and $27.6 billion at December 31, 2022, have been pledged at the Federal Reserve 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 individually at fair value or the lower of cost or fair value and primarily consist of (1) 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: Twelve Months Ended (In millions) 2023 2022 2021 Loans added to held for sale $ 678 $ 659 $ 1,700 Loans sold from held for sale 632 716 1,683 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 have retained servicing was approximately $0.4 billion at December 31, 2023, and $3.5 billion at December 31, 2022. During the third quarter of 2023, we sold the servicing rights related to $3.0 billion of mortgage loans. Income from loans sold, excluding servicing, was $16 million in 2023, $14 million in 2022, and $34 million in 2021. Allowance for Credit Losses The ACL, which consists of the ALLL and the RULC, represents our estimate of current expected credit losses related to the loan and lease portfolio and unfunded lending commitments as of the balance sheet date. The ACL for AFS and HTM debt securities is estimated separately from loans. For HTM securities, the ACL is assessed consistent with the approach for loans carried at amortized cost. See Note 5 for further discussion on our assessment of expected credit losses on AFS securities and disclosures related to AFS and HTM securities. The ACL reflects our best estimate of credit losses and is calculated using the loan’s amortized cost basis (principal balance, net of unamortized premiums, discounts, and deferred fees and costs). We do not estimate the ACL for accrued interest receivables because we reverse or write-off uncollectible accrued interest receivable balances in a timely manner, generally within one month. The methodologies we use to estimate the ACL depend upon the type of loan, the age and contractual term of the loan, expected payments (both contractual and estimated prepayments), credit quality indicators, economic forecasts, and the evaluation method (whether individually or collectively evaluated). Loan extensions or renewals are not considered in the ACL unless they are included in the original or modified loan contract and are not unconditionally cancellable. Losses are charged to the ACL when recognized. Generally, commercial and CRE loans are charged off or charged down when they are determined to be uncollectible in whole or in part, or when 180 days past due, unless the loan is well-secured and in process of collection. Consumer loans are either charged off or charged down to net realizable value no later than the month in which they become 180 days past due. Closed-end consumer loans that are not secured by residential real estate are either charged off or charged down to net realizable value no later than the month in which they become 120 days past due. We establish the amount of the ACL by analyzing the portfolio at least quarterly, and we adjust the provision for loan losses and unfunded lending commitments to ensure the ACL is at an appropriate level at the balance sheet date. The ACL is determined based on our review of loans that have similar risk characteristics, which are evaluated on a collective basis, as well as loans that do not have similar risk characteristics, which are evaluated on an individual basis. For commercial and CRE loans with commitments greater than $1 million, we assign internal risk grades using a comprehensive loan grading system based on financial and statistical models, individual credit analysis, and loan officer experience and judgment. The credit quality indicators described subsequently are based on this grading system. Estimated credit losses on all loan segments, including consumer and small commercial and CRE loans with commitments less than or equal to $1 million that are evaluated on a collective basis, are derived from statistical analyses of our historical default and loss experience since January 2008. We estimate current expected credit losses for each loan, which includes considerations of historical credit loss experience, current conditions, and reasonable and supportable forecasts about the future. We use the following two types of credit loss estimation models: • Econometric loss models, which rely on statistical analyses of our historical loss experience dependent upon economic factors and other loan-level characteristics. Statistically relevant economic factors vary depending upon the type of loan, but include variables such as unemployment, real estate price indices, energy prices, gross domestic product (“GDP”), etc. The models use multiple economic scenarios that reflect optimistic, baseline, and stressed economic conditions. The results derived using these economic scenarios are weighted to produce the credit loss estimate. Management may adjust the weights to reflect management’s assessment of current conditions and reasonable and supportable forecasts. • Loss models that are based on our long-term average historical credit loss experience since 2008, which rely on statistical analyses of our historical loss experience dependent upon loan-level characteristics. Credit loss estimates for the first 12 months of a loan’s remaining life are derived using econometric loss models. Over a subsequent 12-month reversion period, we blend the estimated credit losses from the two models on a straight-line basis. For the remaining life of the loan, the estimated credit losses are derived from the long-term average historical credit loss models. For loans that do not share risk characteristics with other loans, we estimate lifetime expected credit losses on an individual basis. These include nonaccrual loans with a balance greater than $1 million. When a loan is individually evaluated for expected credit losses, we estimate a specific reserve for the loan based on either the projected present value of the loan’s future cash flows discounted at the loan’s effective interest rate, the observable market price of the loan, or the fair value of the loan’s underlying collateral. When we base the specific reserve on the fair value of the loan’s underlying collateral, we generally charge-off the portion of the balance that is greater than fair value. For these loans, subsequent to the charge-off, if the fair value of the loan’s underlying collateral increases according to an updated appraisal, we establish a negative reserve up to the lesser of the amount of the charge-off or the updated fair value. The methodologies described previously generally rely on historical loss information to help determine our quantitative portion of the ACL. However, we also consider other qualitative and environmental factors related to current conditions and reasonable and supportable forecasts that may indicate current expected credit losses may differ from the historical information reflected in our quantitative models. Thus, after applying historical loss experience, as described above, we review the quantitative portion of ACL for each segment. We monitor various risk factors that influence our judgment regarding the level of the ACL across the portfolio segments. These factors primarily include: • Actual and expected changes in international, national, regional, and local economic and business conditions and developments; • The volume and severity of past due loans, the volume of nonaccrual loans, and the volume and severity of adversely classified or graded loans; • Lending policies and procedures, including changes in underwriting standards and practices for collection, charge-off, and recovery; • The experience, ability, and depth of lending management and other relevant staff; • The nature and volume of the portfolio; • The quality of the credit review function; • The existence, growth, and effect of any concentration of credit; • The effect of other external factors such as regulatory, legal, and technological environments; fiscal and monetary actions; competition; and events such as natural disasters and pandemics. The magnitude of the impact of these factors on our qualitative assessment of the ACL changes from quarter to quarter according to changes made by management in its assessment of these factors, the extent these factors are already reflected in quantitative loss estimates, and the extent changes in these factors diverge from one to another. We also consider the uncertainty and imprecision inherent in the estimation process when evaluating the ACL. Off-balance Sheet Credit Exposures As previously mentioned, we estimate current expected credit losses for off-balance sheet loan commitments, including letters of credit that are not unconditionally cancellable. This estimate uses the same procedures and methodologies described previously for loans and is calculated by taking the difference between the estimated current expected credit loss and the funded balance, if greater than zero. Changes in the Allowance for Credit Losses Changes in the ACL are summarized as follows: December 31, 2023 (In millions) Commercial Commercial Consumer Total Allowance for loan and lease losses Balance at December 31, 2022 $ 300 $ 156 $ 119 $ 575 Adjustment for change in accounting standard — (4) 1 (3) Balance at beginning of year $ 300 $ 152 $ 120 $ 572 Provision for loan losses 27 92 29 148 Gross loan and lease charge-offs 45 3 14 62 Recoveries 20 — 6 26 Net loan and lease charge-offs (recoveries) 25 3 8 36 Balance at end of year $ 302 $ 241 $ 141 $ 684 Reserve for unfunded lending commitments Balance at beginning of year $ 16 $ 33 $ 12 $ 61 Provision for unfunded lending commitments 3 (16) (3) (16) Balance at end of year $ 19 $ 17 $ 9 $ 45 Total allowance for credit losses Allowance for loan and lease losses $ 302 $ 241 $ 141 $ 684 Reserve for unfunded lending commitments 19 17 9 45 Total allowance for credit losses $ 321 $ 258 $ 150 $ 729 December 31, 2022 (In millions) Commercial Commercial Consumer Total Allowance for loan and lease losses Balance at beginning of year $ 311 $ 107 $ 95 $ 513 Provision for loan losses 29 49 23 101 Gross loan and lease charge-offs 72 — 10 82 Recoveries 32 — 11 43 Net loan and lease charge-offs (recoveries) 40 — (1) 39 Balance at end of year $ 300 $ 156 $ 119 $ 575 Reserve for unfunded lending commitments Balance at beginning of year $ 19 $ 11 $ 10 $ 40 Provision for unfunded lending commitments (3) 22 2 21 Balance at end of year $ 16 $ 33 $ 12 $ 61 Total allowance for credit losses Allowance for loan and lease losses $ 300 $ 156 $ 119 $ 575 Reserve for unfunded lending commitments 16 33 12 61 Total allowance for credit losses $ 316 $ 189 $ 131 $ 636 Nonaccrual Loans Loans are generally placed on nonaccrual status when payment in full of principal and interest is not expected, or the loan is 90 days or more past due as to principal or interest, unless the loan is both well-secured and in the process of collection. Factors we consider in determining whether a loan is placed on nonaccrual include delinquency status, collateral value, borrower or guarantor financial statement information, bankruptcy status, and other information which would indicate that the full and timely collection of interest and principal is uncertain. A nonaccrual loan may be returned to accrual status when (1) all delinquent interest and principal become current in accordance with the terms of the loan agreement; (2) the loan, if secured, is well-secured; (3) the borrower has paid according to the contractual terms for a minimum of six months; and (4) an analysis of the borrower indicates a reasonable assurance of the borrower ’ s ability and willingness to maintain payments. The amortized cost basis of loans on nonaccrual status is summarized as follows: December 31, 2023 Amortized cost basis Total amortized cost basis (In millions) with no allowance with allowance Related allowance Commercial: Commercial and industrial $ 11 $ 71 $ 82 $ 30 Leasing — 2 2 1 Owner-occupied 12 8 20 1 Total commercial 23 81 104 32 Commercial real estate: Construction and land development 22 — 22 — Term 37 2 39 1 Total commercial real estate 59 2 61 1 Consumer: Home equity credit line 1 16 17 5 1-4 family residential 8 32 40 5 Total consumer loans 9 48 57 10 Total $ 91 $ 131 $ 222 $ 43 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 collectibility of the amortized cost basis for a nonaccrual loan is no longer in doubt, then interest payments may be recognized in interest income on a cash basis. For 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: Twelve Months Ended (In millions) 2023 2022 2021 Commercial $ 10 $ 12 $ 15 Commercial real estate 3 1 2 Consumer 2 — — Total $ 15 $ 13 $ 17 Past Due Loans Closed-end loans with payments scheduled monthly are reported as past due when the borrower is in arrears for two or more monthly payments. Similarly, open-end credits, such as bankcard and other revolving credit plans, are reported as past due when the minimum payment has not been made for two or more billing cycles. Other multi-payment obligations (i.e., quarterly, semi-annual, etc.), single payment, and demand notes, are reported as past due when either principal or interest is due and unpaid for a period of 30 days or more. Past-due loans (accruing and nonaccruing) are summarized as follows: December 31, 2023 (In millions) Current 30-89 days 90+ days Total Total Accruing Nonaccrual loans that are current 1 Commercial: Commercial and industrial $ 16,631 $ 38 $ 15 $ 53 $ 16,684 $ 1 $ 65 Leasing 381 2 — 2 383 — — Owner-occupied 9,206 11 2 13 9,219 1 18 Municipal 4,301 1 — 1 4,302 — — Total commercial 30,519 52 17 69 30,588 2 83 Commercial real estate: Construction and land development 2,645 2 22 24 2,669 — — Term 10,661 14 27 41 10,702 — 3 Total commercial real estate 13,306 16 49 65 13,371 — 3 Consumer: Home equity credit line 3,334 17 5 22 3,356 — 9 1-4 family residential 8,375 17 23 40 8,415 — 13 Construction and other consumer real estate 1,442 — — — 1,442 — Bankcard and other revolving plans 468 5 1 6 474 1 — Other 132 1 — 1 133 — — Total consumer loans 13,751 40 29 69 13,820 1 22 Total $ 57,576 $ 108 $ 95 $ 203 $ 57,779 $ 3 $ 108 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 definitions of Pass, Special Mention, Substandard, and Doubtful, which are consistent with published definitions of regulatory risk classifications. Definitions of Pass, Special Mention, Substandard, and Doubtful are summarized as follows: • Pass — A Pass asset is higher-quality and does not fit any of the other categories described below. The likelihood of loss is considered low. • Special Mention — A Special Mention asset has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in our credit position at some future date. • Substandard — A Substandard asset is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Assets so classified have well-defined weaknesses and are characterized by the distinct possibility that we may sustain some loss if deficiencies are not corrected. • Doubtful — A Doubtful asset has all the weaknesses inherent in a Substandard asset with the added characteristics that the weaknesses make collection or liquidation in full highly questionable and improbable. There were no loans classified as Doubtful at both December 31, 2023, and December 31, 2022. For commercial and CRE loans with commitments greater than $1 million, we assign one of multiple grades within the Pass classification or one of the risk classifications described previously. We assess our internal risk-grades quarterly, or as soon as we identify information that affects the credit risk of the loan. For consumer loans and for commercial and CRE loans with commitments less than or equal to $1 million, we generally assign internal risk-grades similar to those described previously based on automated rules that depend on refreshed credit scores, payment performance, and other risk indicators. These are generally assigned either a Pass, Special Mention, or Substandard grade, and are reviewed as we identify information that might warrant a grade change. The following schedule presents the amortized cost basis of loans and leases categorized by year of origination and by credit quality classifications as monitored by management, as well as year-to-date gross charge-offs: December 31, 2023 Term Loans Revolving loans amortized cost basis Revolving loans converted to term loans amortized cost basis Amortized cost basis by year of origination (In millions) 2023 2022 2021 2020 2019 Prior Total Commercial: Commercial and industrial Pass $ 2,654 $ 2,420 $ 1,204 $ 639 $ 494 $ 598 $ 7,973 $ 151 $ 16,133 Special Mention 8 98 34 2 20 37 103 — 302 Accruing Substandard 11 18 7 2 19 8 99 3 167 Nonaccrual 5 36 1 2 11 1 21 5 82 Total commercial and industrial 2,678 2,572 1,246 645 544 644 8,196 159 16,684 Gross charge-offs 1 10 6 — — 2 24 2 45 Leasing Pass 104 125 47 29 45 18 — — 368 Special Mention 2 9 1 1 — — — — 13 Accruing Substandard — — — — — — — — — Nonaccrual — 2 — — — — — — 2 Total leasing 106 136 48 30 45 18 — — 383 Gross charge-offs — — — — — — — — — Owner-occupied Pass 1,080 1,945 2,020 1,002 721 1,907 212 52 8,939 Special Mention 2 5 17 5 17 15 — — 61 Accruing Substandard 10 31 29 21 16 90 2 — 199 Nonaccrual — 1 1 7 3 8 — — 20 Total owner-occupied 1,092 1,982 2,067 1,035 757 2,020 214 52 9,219 Gross charge-offs — — — — — — — — — Municipal Pass 601 1,080 1,069 623 382 512 — 3 4,270 Special Mention 7 — — — — 6 — — 13 Accruing Substandard 8 — 6 3 1 1 — — 19 Nonaccrual — — — — — — — — — Total municipal 616 1,080 1,075 626 383 519 — 3 4,302 Gross charge-offs — — — — — — — — — Total commercial 4,492 5,770 4,436 2,336 1,729 3,201 8,410 214 30,588 Total commercial gross charge-offs 1 10 6 — — 2 24 2 45 Commercial real estate: Construction and land development Pass 553 938 355 56 7 4 518 127 2,558 Special Mention — — 29 30 — — — — 59 Accruing Substandard 23 2 — 5 — — — — 30 Nonaccrual — — — — 21 — 1 — 22 Total construction and land development 576 940 384 91 28 4 519 127 2,669 Gross charge-offs — — — — 1 — — — 1 Term Pass 1,861 2,385 1,833 1,449 804 1,438 238 110 10,118 Special Mention 55 108 65 78 44 6 — — 356 Accruing Substandard 79 18 12 16 5 24 — 35 189 Nonaccrual — 26 — — 3 10 — — 39 Total term 1,995 2,537 1,910 1,543 856 1,478 238 145 10,702 Gross charge-offs — 2 — — — — — — 2 Total commercial real estate 2,571 3,477 2,294 1,634 884 1,482 757 272 13,371 Total commercial real estate gross charge-offs — 2 — — 1 — — — 3 December 31, 2023 Term Loans Revolving loans amortized cost basis Revolving loans converted to term loans amortized cost basis Amortized cost basis by year of origination (In millions) 2023 2022 2021 2020 2019 Prior Total Consumer: Home equity credit line Pass — — — — — — 3,237 97 3,334 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 4 1 5 Nonaccrual — — — — — — 15 2 17 Total home equity credit line — — — — — — 3,256 100 3,356 Gross charge-offs — — — — — — 3 — 3 1-4 family residential Pass 814 2,264 1,823 988 594 1,891 — — 8,374 Special Mention — — — — — — — — — Accruing Substandard — — — — — 1 — — 1 Nonaccrual — 3 3 3 4 27 — — 40 Total 1-4 family residential 814 2,267 1,826 991 598 1,919 — — 8,415 Gross charge-offs — — — — — 2 — — 2 Construction and other consumer real estate Pass 212 1,002 200 15 7 6 — — 1,442 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total construction and other consumer real estate 212 1,002 200 15 7 6 — — 1,442 Gross charge-offs — — — — — — — — — Bankcard and other revolving plans Pass — — — — — — 471 1 472 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 2 — 2 Nonaccrual — — — — — — — — — Total bankcard and other revolving plans — — — — — — 473 1 474 Gross charge-offs — — — — — — 9 — 9 Other consumer Pass 66 37 18 6 4 2 — — 133 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total other consumer 66 37 18 6 4 2 — — 133 Gross charge-offs — — — — — — — — — Total consumer 1,092 3,306 2,044 1,012 609 1,927 3,729 101 13,820 Total consumer gross charge-offs — — — — — 2 12 — 14 Total loans $ 8,155 $ 12,553 $ 8,774 $ 4,982 $ 3,222 $ 6,610 $ 12,896 $ 587 $ 57,779 Total gross charge-offs $ 1 $ 12 $ 6 $ — $ 1 $ 4 $ 36 $ 2 $ 62 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 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 twelve months ended December 31, 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: Twelve Months Ended December 31, 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 $ — $ 46 $ — $ 1 $ — $ 47 0.3 % Owner-occupied 4 9 — 1 — 14 0.2 Municipal — 8 — — — 8 0.2 Total commercial 4 63 — 2 — 69 0.2 Commercial real estate: Construction and land development — 27 — — — 27 1.0 Term — 165 — — — 165 1.5 Total commercial real estate — 192 — — — 192 1.4 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 $ 256 $ 1 $ 2 $ 1 $ 264 0.5 % 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 $22 million at December 31, 2023. 3 Amounts less than 0.05% are rounded to zero. The financial impact of loan modifications to borro

Derivative Instruments and Hedg

Derivative Instruments and Hedging Activities	12 Months Ended
	Dec. 31, 2023
Summary of Derivative Instruments [Abstract]
DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES	DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES Objectives for Using Derivatives Our primary objective for using derivatives is to manage risks, primarily interest rate risk. We use derivatives to manage volatility in interest income, interest expense, earnings, and capital by adjusting our interest rate sensitivity to minimize the impact of fluctuations in interest rates. Derivatives are used to stabilize forecasted interest income from variable-rate assets and to modify the coupon or the duration of fixed-rate financial assets or liabilities as we consider advisable. We also assist customers with their risk management needs through the use of derivatives. Derivatives Related to Interest Rate Risk Management — When we use derivatives as hedges, either for economic or accounting purposes, it is done only to manage identified risks. We apply hedge accounting to certain derivatives executed for risk management purposes. However, we do not apply hedge accounting to all the derivatives involved in our risk management activities. Derivatives not designated as accounting hedges are not speculative and are used to economically manage our exposure to interest rate movements, including offsetting customer-facing derivatives. These derivatives either do not require the use of hedge accounting for their economic impact to be appropriately reflected in our financial statements or they do not meet the strict hedge accounting requirements. Derivatives Related to Customers — We provide certain borrowers access to over-the-counter interest rate derivatives, which we generally offset with interest rate derivatives executed with dealers or central clearing houses. Other interest rate derivatives that we provide to customers, or use for our own purposes, include mortgage rate locks and forward sale loan commitments. We also provide commercial customers with short-term foreign currency spot trades or forward contracts with maturities that are typically 90 days or less. These trades are also largely offset by foreign currency trades with closely matching terms executed with other dealer counterparties or central clearing houses. Accounting for Derivatives We record all derivatives at fair value, and they are included in “Other assets” or “Other liabilities” on the consolidated balance sheet, regardless of the accounting designation of each derivative. We enter into International Swaps and Derivatives Association, Inc. (“ISDA”) master netting agreements, or similar agreements, with substantially all derivative counterparties. Where legally enforceable, these master netting agreements give us, in the event of default or the triggering of other specified contingent events by the counterparty, the right to use cash or liquidate securities held as collateral and to offset receivables and payables with the same counterparty. For purposes of the consolidated balance sheet, we report all derivatives on a gross fair value basis (i.e., we do not offset derivative assets and liabilities and cash collateral held with the same counterparty where we have a legally enforceable master netting agreement). Note 3 discusses the process to estimate fair value for derivatives. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative and the resulting accounting designation. Derivatives used to hedge the exposure to changes in the fair value of assets, liabilities, or firm commitments attributable to interest rates or other eligible risks, are considered fair value hedges. Derivatives used to hedge the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Changes in the fair value of derivatives that are not part of designated fair value or cash flow hedging relationships are recorded in current period earnings. Fair Value Hedges — We generally use interest rate swaps designated as fair value hedges to hedge changes in the fair value of fixed-rate assets and liabilities for specific risks (e.g., interest rate risk resulting from changes in a benchmark interest rate). We use both pay-fixed, receive-floating and received-fixed, pay-floating interest rate swaps to effectively convert certain fixed-rate assets and liabilities to floating rates. In qualifying fair value hedges, changes in value of the derivative hedging instrument are recognized in current period earnings in the same line item affected by the hedged item. Similarly, the periodic changes in value of the hedged item, for the risk being hedged, are recognized in current period earnings, thereby offsetting all, or a significant majority, of the change in the value of the derivative hedging instrument. Interest accruals on both the derivative hedging instrument and the hedged item are recorded in the same line item, effectively converting the designated fixed-rate assets or liabilities to a floating rate. Generally, the designated risk being hedged in all of our fair value hedges is the change in fair value of the secured overnight financing rate (“SOFR”) (or alternative rate) benchmark swap rate component of the contractual coupon cash flows of the fixed-rate assets or liabilities. The swaps are structured to match the critical terms of the hedged items, maximizing the economic (and accounting) effectiveness of the hedging relationships and resulting in the expectation that the swaps will be highly effective as a hedging instrument. All interest rate swaps designated as fair value hedges were highly effective and met all other requirements to remain designated and part of qualifying hedge accounting relationships as of the balance sheet date. Fair Value Hedges of Liabilities — 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, which matures in 2029. 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 . 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. At December 31, 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 certain 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 presented in the schedules on the following pages. Cash Flow Hedges — For derivatives designated and qualifying as cash flow hedges, as long as the hedging relationship continues to qualify for hedge accounting, the entire change in the fair value of the hedging instrument is recorded in OCI and recognized in earnings as the hedged transaction affects earnings. Ineffectiveness is not measured or separately disclosed. Gains or losses on derivatives designated as cash flow hedges are recognized in the same financial statement line item as the hedged transactions. We may use interest rate swaps, options, or a combination of options in our cash flow hedging strategy to eliminate or reduce the variability of interest receipts on floating-rate commercial loans and interest payments on floating rate debt due to changes in any separately identifiable and reliably measurable contractual interest rate index. At December 31, 2023, we had receive-fixed interest rate swaps with an aggregate notional amount of $1.5 billion designated as cash flow hedges of the variability of interest receipts on floating-rate commercial loans. During 2023, we terminated receive-fixed swaps with an aggregate notional amount of $5.0 billion. At December 31, 2023, we had $201 million of net losses deferred in AOCI related to terminated cash flow hedges. Amounts deferred in AOCI from terminated cash flow hedges will be amortized into interest income on a straight-line basis through the original maturity dates of the hedges as long as the hedged forecasted transactions continue to be expected to occur. Amounts deferred in AOCI related to terminated cash flow hedges will be fully reclassified to interest income by the fourth quarter of 2027. Additionally, at December 31, 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. Hedge Effectiveness — We assess the effectiveness of each hedging relationship by comparing the changes in fair value or cash flows on the derivative hedging instrument with the changes in fair value or cash flows on the designated hedged item or transactions for the risk being hedged. If a hedging relationship ceases to qualify for hedge accounting, the relationship is discontinued and future changes in the fair value of the derivative instrument are recognized in current period earnings. For a discontinued or terminated fair value hedging relationship, all remaining basis adjustments to the carrying amount of the hedged item are amortized to interest income or expense over the remaining life of the hedged item consistent with the amortization of other discounts or premiums. Previous balances deferred in AOCI from discontinued or terminated cash flow hedges are reclassified to interest income or expense as the hedged transactions affect earnings or over the originally specified term of the hedging relationship. Collateral and Credit Risk Credit risk arises from the possibility of nonperformance by counterparties. No significant losses on derivative instruments have occurred during 2023 as a result of counterparty nonperformance. We reduce our counterparty exposure for derivative contracts by centrally clearing all eligible derivatives and by executing dealer-facing derivative transactions with well-capitalized financial institutions. For those derivatives that are not centrally cleared, the counterparties are typically financial institutions or our customers. For those that are financial institutions, as noted above, we manage our credit exposure through the use of a Credit Support Annex (“CSA”) to an ISDA master agreement with each counterparty. Eligible collateral types are documented by the CSA and controlled under our general credit policies. Collateral balances are typically monitored on a daily basis. A valuation haircut policy reflects the fact that collateral may fall in value between the date the collateral is called and the date of liquidation or enforcement. At December 31, 2023, all of our collateral held as credit risk mitigation under a CSA was cash. We offer interest rate swaps to our customers to assist them in managing their exposure to changing interest rates. Upon issuance, all of these customer swaps are offset through closely matching derivative contracts to minimize our interest rate risk exposure resulting from such transactions. Fee income from customer swaps is included in “Capital markets fees” on the consolidated statement of income. We manage the credit risk associated with customer nonperformance through additional underwriting that includes modeling the credit risk exposure for the swap, shared collateral and guarantee protection applicable to the loan and credit approvals, limits, and monitoring procedures. We measure counterparty credit risk through the calculation of a CVA that captures the value of both the nonperformance risk that we have to our customers and that they have to us. Periodic changes in the net CVA are recorded in current period earnings and included in “Fair value and nonhedge derivative income or loss” on the consolidated statement of income. Our derivative contracts require us to pledge collateral for derivatives that are in a net liability position. Certain derivative contracts contain credit-risk-related contingent features that include the requirement to maintain a minimum debt credit rating. We may be required to pledge additional collateral if a credit-risk-related feature were triggered, such as a downgrade of our credit rating. However, in past situations, not all counterparties have demanded that additional collateral be pledged when provided for by the contractual terms. At December 31, 2023, the fair value of our derivative liabilities was $333 million, for which we were required to pledge cash collateral of approximately $2 million in the normal course of business. If our credit rating were downgraded one notch by either Standard and Poor’s (“S&P”) or Moody’s at December 31, 2023, there would likely be no additional collateral required to be pledged. Derivatives that are centrally cleared do not have credit-risk-related features that require additional collateral if our credit rating were downgraded. Derivative Amounts The following schedule presents derivative notional amounts and recorded gross fair values at December 31, 2023 and 2022: December 31, 2023 December 31, 2022 Notional Fair value Notional Fair value (In millions) Other Other Other Other Derivatives designated as hedging instruments: Cash flow hedges of floating-rate assets: Receive-fixed interest rate swaps 1,450 — — 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 1 4,571 78 — 1,228 84 — Total derivatives designated as hedging instruments 6,521 78 — 9,361 84 1 Derivatives not designated as hedging instruments: Customer interest rate derivatives 2 14,375 337 330 13,670 296 443 Other interest rate derivatives 1,001 1 — 862 — — Foreign exchange derivatives 216 3 3 605 6 7 Purchased credit derivatives 35 1 — — — — Total derivatives not designated as hedging instruments 15,627 342 333 15,137 302 450 Total derivatives $ 22,148 $ 420 $ 333 $ 24,498 $ 386 $ 451 1 The notional amount includes forward starting swaps that are not yet effective. 2 Customer interest rate derivatives include both customer-facing derivatives and the offsetting, dealer-facing derivatives. Customer interest rate derivatives include a net CVA of $9 million and $13 million, reducing the fair value amount at December 31, 2023, and December 31, 2022, respectively. These adjustments are required to reflect both our nonperformance risk and that of the respective counterparty. The following schedules present the amount of gains (losses) from derivative instruments designated as cash flow and fair value hedges that were deferred in OCI or recognized in earnings for years ended December 31, 2023 and 2022: Year Ended December 31, 2023 (In millions) Effective portion of derivative gain/(loss) deferred in AOCI Amount of gain/(loss) reclassified from AOCI into income Net interest income or expense 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 31 (170) — — Cash flow hedges of floating-rate liabilities: Pay-fixed interest rate swaps 4 5 — — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — (5) — Basis amortization on terminated hedges 2, 3 — — (4) — Fair value hedges of assets: Pay-fixed interest rate swaps — — 57 — Basis amortization on terminated hedges 2, 3 — — 1 — Total derivatives designated as hedging instruments $ 35 $ (165) $ 49 $ — Year Ended December 31, 2022 (In millions) Effective portion of derivative gain/(loss) deferred in AOCI Amount of gain/(loss) reclassified from AOCI into income Net interest income or expense on fair value hedges Hedge ineffectiveness / AOCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ 2 $ — $ — Interest rate swaps (437) (29) — — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — (1) — Basis amortization on terminated hedges 2, 3 — — 1 — Fair value hedges of assets: Pay-fixed interest rate swaps — — 4 (1) Basis amortization on terminated hedges 2, 3 — — — — Total derivatives designated as hedging instruments $ (437) $ (27) $ 4 $ (1) 1 For the 12 months following December 31, 2023, we estimate that $118 million of net losses from active and terminated cash flow hedges will be reclassified from AOCI into interest income/expense, compared with an estimate of $205 million at December 31, 2022. 2 Adjustment to interest income or expense resulting from the amortization of the basis adjustment from previously terminated hedging relationships. 3 The cumulative unamortized basis adjustment from previously terminated or redesignated fair value hedges at December 31, 2023 was $46 million and $3 million of terminated fair value debt and asset hedges, respectively, compared with zero and $10 million at December 31, 2022. The following schedule presents the amount of gains (losses) recognized from derivatives not designated as accounting hedges: Other Noninterest (In millions) 2023 2022 Derivatives not designated as hedging instruments: Customer interest rate derivatives $ 17 $ 43 Other interest rate derivatives 4 — Foreign exchange derivatives 29 29 Purchased credit derivatives (1) — Total derivatives not designated as hedging instruments $ 49 $ 72 The following schedule presents derivatives used in fair value hedge accounting relationships, as well as pre-tax gains/(losses) recorded on such derivatives and the related hedged items for the periods presented: Gain/(loss) recorded in income Twelve Months Ended Twelve Months Ended (In millions) Derivatives 2 Hedged items Total income statement impact Derivatives 2 Hedged items Total income statement impact Debt: Receive-fixed interest rate swaps 1,2 $ 14 $ (14) $ — $ (79) $ 79 $ — Assets: Pay-fixed interest rate swaps 1,2 (22) 22 — 224 (225) (1) 1 Consists of hedges of benchmark interest rate risk of fixed-rate long-term debt and fixed-rate AFS securities. Gains and losses were recorded in interest expense or income consistent with the hedged items. 2 The income/expense for derivatives does not reflect interest income/expense from periodic accruals and payments to be consistent with the presentation of the gains/(losses) on the hedged items. Periodic interest income/expense for fair value hedges is shown in a separate schedule above. The following schedule provides information regarding basis adjustments for hedged items: Par value of hedged assets/(liabilities) Carrying amount of the hedged assets/(liabilities) Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets/(liabilities) (In millions) 2023 2022 2023 2022 2023 2022 Long-term fixed-rate debt 1,2 $ — $ (500) $ — $ (435) $ — $ 65 Fixed-rate AFS securities 1,3 12,389 1,228 12,209 962 (180) (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 December 31, 2023, the amortized cost basis of the defined portfolios used in these hedging relationships was $11.3 billion; the cumulative basis adjustment associated with these hedging relationships was $16 million, and the notional amounts of the designated hedging instruments were $3.5 billion.

Leases

Leases	12 Months Ended
	Dec. 31, 2023
Leases [Abstract]
LEASES	LEASES We have operating and finance leases for branches, corporate offices, and data centers. At December 31, 2023, we had 407 branches, of which 278 are owned and 129 are leased. We lease our headquarters in Salt Lake City, Utah. The remaining maturities of our lease commitments range from the year 2024 to 2062, and some lease arrangements include options to extend or terminate the leases. All leases with lease terms greater than twelve months are reported as a lease liability with a corresponding ROU asset. We include ROU assets for operating leases and finance leases in “ Other assets Premises, equipment and software, net Other liabilities Long-term debt ROU assets and related lease liabilities reflect the present value of the future minimum lease payments over the lease term at commencement date. Because most of our leases do not provide an implicit rate, we use our secured incremental borrowing rate that is commensurate with the lease term when calculating the present value of future payments. The ROU asset also reflects any lease prepayments, initial direct costs, amortization, and certain nonlease components, such as maintenance, utilities, or tax payments. Our lease terms incorporate options to extend or terminate the lease when it is reasonably certain that we will exercise these options. The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate: December 31, (Dollar amounts in millions) 2023 2022 Operating leases ROU assets, net of amortization $ 172 $ 173 Lease liabilities 198 198 Finance leases ROU assets, net of amortization 3 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.7 8.4 Finance leases 16.5 17.4 Weighted average discount rate Operating leases 3.4 % 2.9 % Finance leases 3.1 % 3.1 % The following schedule presents additional information related to lease expense: Year Ended December 31, (In millions) 2023 2022 2021 Lease expense: Operating lease expense $ 43 $ 46 $ 47 Other expenses associated with operating leases 1 60 51 50 Total lease expense $ 103 $ 97 $ 97 Related cash disbursements for operating leases $ 49 $ 50 $ 50 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 2024 $ 43 2025 36 2026 31 2027 22 2028 17 Thereafter 85 Total lease payments $ 234 Less imputed interest 36 Total $ 198 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 totaled $14 million during both 2023 and 2022, and $13 million during 2021. We originated equipment leases, considered to be sales-type leases or direct-financing leases, totaling $383 million and $386 million at December 31, 2023 and 2022, respectively. We recorded income of $16 million, $12 million, and $11 million on these leases during 2023, 2022, and 2021, respectively.
LEASES	LEASES We have operating and finance leases for branches, corporate offices, and data centers. At December 31, 2023, we had 407 branches, of which 278 are owned and 129 are leased. We lease our headquarters in Salt Lake City, Utah. The remaining maturities of our lease commitments range from the year 2024 to 2062, and some lease arrangements include options to extend or terminate the leases. All leases with lease terms greater than twelve months are reported as a lease liability with a corresponding ROU asset. We include ROU assets for operating leases and finance leases in “ Other assets Premises, equipment and software, net Other liabilities Long-term debt ROU assets and related lease liabilities reflect the present value of the future minimum lease payments over the lease term at commencement date. Because most of our leases do not provide an implicit rate, we use our secured incremental borrowing rate that is commensurate with the lease term when calculating the present value of future payments. The ROU asset also reflects any lease prepayments, initial direct costs, amortization, and certain nonlease components, such as maintenance, utilities, or tax payments. Our lease terms incorporate options to extend or terminate the lease when it is reasonably certain that we will exercise these options. The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate: December 31, (Dollar amounts in millions) 2023 2022 Operating leases ROU assets, net of amortization $ 172 $ 173 Lease liabilities 198 198 Finance leases ROU assets, net of amortization 3 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.7 8.4 Finance leases 16.5 17.4 Weighted average discount rate Operating leases 3.4 % 2.9 % Finance leases 3.1 % 3.1 % The following schedule presents additional information related to lease expense: Year Ended December 31, (In millions) 2023 2022 2021 Lease expense: Operating lease expense $ 43 $ 46 $ 47 Other expenses associated with operating leases 1 60 51 50 Total lease expense $ 103 $ 97 $ 97 Related cash disbursements for operating leases $ 49 $ 50 $ 50 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 2024 $ 43 2025 36 2026 31 2027 22 2028 17 Thereafter 85 Total lease payments $ 234 Less imputed interest 36 Total $ 198 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 totaled $14 million during both 2023 and 2022, and $13 million during 2021. We originated equipment leases, considered to be sales-type leases or direct-financing leases, totaling $383 million and $386 million at December 31, 2023 and 2022, respectively. We recorded income of $16 million, $12 million, and $11 million on these leases during 2023, 2022, and 2021, respectively.
LEASES	LEASES We have operating and finance leases for branches, corporate offices, and data centers. At December 31, 2023, we had 407 branches, of which 278 are owned and 129 are leased. We lease our headquarters in Salt Lake City, Utah. The remaining maturities of our lease commitments range from the year 2024 to 2062, and some lease arrangements include options to extend or terminate the leases. All leases with lease terms greater than twelve months are reported as a lease liability with a corresponding ROU asset. We include ROU assets for operating leases and finance leases in “ Other assets Premises, equipment and software, net Other liabilities Long-term debt ROU assets and related lease liabilities reflect the present value of the future minimum lease payments over the lease term at commencement date. Because most of our leases do not provide an implicit rate, we use our secured incremental borrowing rate that is commensurate with the lease term when calculating the present value of future payments. The ROU asset also reflects any lease prepayments, initial direct costs, amortization, and certain nonlease components, such as maintenance, utilities, or tax payments. Our lease terms incorporate options to extend or terminate the lease when it is reasonably certain that we will exercise these options. The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate: December 31, (Dollar amounts in millions) 2023 2022 Operating leases ROU assets, net of amortization $ 172 $ 173 Lease liabilities 198 198 Finance leases ROU assets, net of amortization 3 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.7 8.4 Finance leases 16.5 17.4 Weighted average discount rate Operating leases 3.4 % 2.9 % Finance leases 3.1 % 3.1 % The following schedule presents additional information related to lease expense: Year Ended December 31, (In millions) 2023 2022 2021 Lease expense: Operating lease expense $ 43 $ 46 $ 47 Other expenses associated with operating leases 1 60 51 50 Total lease expense $ 103 $ 97 $ 97 Related cash disbursements for operating leases $ 49 $ 50 $ 50 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 2024 $ 43 2025 36 2026 31 2027 22 2028 17 Thereafter 85 Total lease payments $ 234 Less imputed interest 36 Total $ 198 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 totaled $14 million during both 2023 and 2022, and $13 million during 2021. We originated equipment leases, considered to be sales-type leases or direct-financing leases, totaling $383 million and $386 million at December 31, 2023 and 2022, respectively. We recorded income of $16 million, $12 million, and $11 million on these leases during 2023, 2022, and 2021, respectively.

Premises, Equipment and Softwar

Premises, Equipment and Software	12 Months Ended
	Dec. 31, 2023
Property, Plant and Equipment [Abstract]
PREMISES, EQUIPMENT AND SOFTWARE, NET	PREMISES, EQUIPMENT, AND SOFTWARE Net premises, equipment, and software are summarized as follows: (In millions) December 31, 2023 2022 Land $ 269 $ 264 Buildings 959 943 Furniture and equipment 336 346 Leasehold improvements 137 151 Software 749 730 Total premises, equipment, and software 1 2,450 2,434 Less accumulated depreciation and amortization 1,050 1,026 Net book value $ 1,400 $ 1,408 1 The totals for 2023 and 2022 include $40 million and $298 million, respectively, of costs that have been capitalized, but are not yet depreciating because the respective assets have not been placed in service.

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	12 Months Ended
	Dec. 31, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND OTHER INTANGIBLE ASSETS	GOODWILL AND OTHER INTANGIBLE ASSETS Goodwill is recorded at fair value at the time of its acquisition and is subsequently evaluated for impairment annually as of October 1, or more frequently if events or circumstances indicate that impairment may exist. Based on the annual impairment evaluation conducted in 2023 and 2022, there was no goodwill impairment in any of our business segments. The following schedule presents the carrying amount of goodwill for our business segments with goodwill, as well as the balance of our core deposits and other intangible assets, net of related accumulated amortization: December 31, (In millions) 2023 2022 Goodwill: Amegy $ 615 $ 615 CB&T 379 379 Zions Bank 20 20 Nevada State Bank 13 13 Total goodwill $ 1,027 $ 1,027 Core deposits and other intangibles, net of accumulated amortization 32 38 Total goodwill and intangibles $ 1,059 $ 1,065

Deposits

Deposits	12 Months Ended
	Dec. 31, 2023
Deposits [Abstract]
DEPOSITS	DEPOSITS The following schedule presents the composition of our deposits: December 31, (Dollar amounts in millions) 2023 2022 Noninterest-bearing demand $ 26,244 $ 35,777 Interest-bearing: Savings and money market 38,721 33,566 Time 9,996 2,309 Total deposits $ 74,961 $ 71,652 At December 31, 2023, the aggregate amount of all time deposits by maturity were as follows: (In millions) Amount 2024 $ 9,798 2025 117 2026 38 2027 22 2028 20 Thereafter 1 Total $ 9,996 The scheduled maturities of time deposits that exceed $250,000 were as follows: (In millions) December 31, 2023 Three months or less $ 576 After three months through six months 1,033 After six months through twelve months 745 After twelve months 57 Total $ 2,411 Deposit overdrafts reclassified as loan balances were $11 million and $21 million at December 31, 2023 and 2022, respectively.

Short-Term Borrowings

Short-Term Borrowings	12 Months Ended
	Dec. 31, 2023
Short-Term Debt [Abstract]
SHORT-TERM BORROWINGS	SHORT-TERM BORROWINGS The following schedule presents selected information for FHLB advances and other short-term borrowings: (Dollar amounts in millions) 2023 2022 Federal Home Loan Bank advances Average amount outstanding $ 4,208 $ 1,257 Average rate 5.73 % 3.67 % Highest month-end balance $ 11,525 $ 7,100 Year-end balance 1,525 7,100 Average rate on outstanding advances at year-end 5.59 % 4.43 % Other short-term borrowings, year-end balances Federal funds purchased $ 597 $ 232 Security repurchase agreements 1,814 2,898 Securities sold, not yet purchased 65 187 Swap margin collateral received 1 378 — Total federal funds and other short-term borrowings $ 4,379 $ 10,417 1 At December 31, 2022, swap margin collateral received totaled $368 million and was included in “Other liabilities” on the consolidated balance sheet. Beginning in 2023, these balances were included in “Federal funds and other short-term borrowings” on the consolidated balance sheet. We pledge loans and investment securities as collateral for current and potential borrowings. We may borrow from the FHLB under lines of credit that are secured by blanket pledge arrangements. We maintain collateral with carrying amounts adjusted for the types of collateral pledged, equal to at least 100% of the outstanding advances. We may also borrow from the Federal Reserve Board (“FRB”) based on the amount of collateral pledged. A large portion of these pledged assets are unencumbered, but are pledged to provide immediate access to contingency sources of funds. At December 31, 2023, our remaining FHLB and FRB collateralized borrowing capacity was $15.0 billion and $9.8 billion, respectively, compared with $9.4 billion and $4.0 billion at December 31, 2022. Federal funds purchased and security repurchase agreements generally mature in less than 30 days. We execute overnight repurchase agreements with sweep accounts in conjunction with a master repurchase agreement. When this occurs, securities under our control are pledged and interest is paid on the collected balance of the customers’ accounts. For the nonsweep overnight and term repurchase agreements, securities are transferred to the applicable counterparty. In certain instances, the counterparty is contractually entitled to sell or repledge securities accepted as collateral. Of the total security repurchase agreements at December 31, 2023, nearly all were overnight term accounts.

Long-Term Debt

Long-Term Debt	12 Months Ended
	Dec. 31, 2023
Long-Term Debt, Unclassified [Abstract]
LONG-TERM DEBT	LONG-TERM DEBT Long-term debt is summarized as follows: December 31, (In millions) 2023 2022 Subordinated notes $ 538 $ 519 Senior notes — 128 Finance lease obligations 4 4 Total $ 542 $ 651 The carrying values presented above include the par value of the debt, adjusted for any unamortized premium or discount, unamortized debt issuance costs, and fair value hedge basis adjustments. The decrease in long-term debt from the prior year was primarily due to the maturity of $128 million , 4.50% senior notes during the second quarter of 2023. During 2023, we terminated the remaining receive-fixed interest rate swap designated as a hedge of the $500 million subordinated notes due in October 2029. The remaining unamortized hedge basis adjustment from the terminated hedging relationship is amortized into earnings through the contractual maturity date of the hedged notes. See Note 7 for more information on derivatives designated as qualifying hedges. Subordinated Notes The following schedule presents our subordinated notes outstanding at December 31, 2023: (Dollar amounts in millions) Subordinated notes Coupon rate Balance Par amount Maturity 6.95% $ 88 $ 88 September 2028 3.25% 450 500 October 2029 Total $ 538 $ 588 The 6.95% subordinated notes are unsecured, with interest payable quarterly; the earliest redemption date for these notes was September 15, 2023, after which the interest rate changed to an annual floating rate equal to 3-month Term SOFR + 4.15%. The 3.25% subordinated notes are unsecured, interest is payable semi-annually, and the earliest redemption date is July 29, 2029. Senior Notes The senior notes are unsecured, with interest payable semi-annually. They were issued under a shelf registration filed with the Securities and Exchange Commission (“SEC”). Maturities of Long-term Debt The following schedule presents our long-term debt by maturity for each of the next five years: (In millions) Par amount 1 2024 $ — 2025 — 2026 — 2027 — 2028 88 Thereafter 500 Total $ 588 1 Does not include basis adjustments related to terminated or active fair value hedges.

Shareholders' Equity

Shareholders' Equity	12 Months Ended
	Dec. 31, 2023
Equity [Abstract]
SHAREHOLDERS' EQUITY	SHAREHOLDERS’ EQUITY Preferred Stock We have 4.4 million authorized shares of preferred stock without par value and with a liquidation preference of $1,000 per share, or $25 per depositary share. Except for Series I and J, all preferred shares were issued in the form of depositary shares, with each depositary share representing a 1/40 th ownership interest in a share of the preferred stock. All preferred shares are registered with the SEC. In addition, Series A and G preferred shares are listed and traded on the National Association of Securities Dealers Automated Quotations (“NASDAQ”) Global Select Market. Preferred shareholders generally receive asset distributions before common shareholders; however, preferred shareholders have only limited voting rights. Preferred stock dividends reduce earnings applicable to common shareholders and are paid on the 15th day of the months indicated in the following schedule. Dividends are subject to approval by the Board. The preferred shares are redeemable at our option after the expiration of any applicable redemption restrictions. The redemption amount is computed at the per share liquidation preference plus any declared but unpaid dividends. Redemptions are subject to certain regulatory provisions including satisfying well-capitalized minimum requirements. The following schedule summarizes key aspects of our preferred stock: (Dollar amounts in millions) Carrying value at Shares at Dividends payable Earliest 2023 2022 Authorized Outstanding Rate Series A $ 67 $ 67 140,000 66,139 > of 4.0% or 3M Term SOFR + 0.78% Qtrly Mar, Jun, Sep, Dec Dec 15, 2011 Series G 138 138 200,000 138,390 annual floating rate = 3M Term SOFR + 4.50% Qtrly Mar, Jun, Sep, Dec Mar 15, 2023 Series I 99 99 300,893 98,555 annual floating rate = 3M Term SOFR + 4.06% Qtrly Mar, Jun, Sep, Dec Jun 15, 2023 Series J 136 136 195,152 136,368 annual floating rate = 3M Term SOFR + 4.70% Qtrly Mar, Jun, Sep, Dec Sep 15, 2023 Total $ 440 $ 440 Common Stock Our common stock is traded on the NASDAQ Global Select Market. At December 31, 2023, we had 148.2 million shares of $0.001 par common stock outstanding. The balance of common stock and additional paid-in-capital was $1.7 billion at December 31, 2023, and decreased $23 million, or 1%, from the prior year, primarily as a result of common stock repurchases during the first quarter of 2023. During the first quarter of 2023, we repurchased 0.9 million common shares outstanding for $50 million at an average price of $52.82 per share. As the macroeconomic environment remained uncertain, we suspended our share repurchase program and did not repurchase common shares during the second, third, or fourth quarters of 2023. During 2022, we repurchased 3.6 million common shares outstanding for $200 million at an average price of $56.13 per share. In February 2024, the Board approved a plan to repurchase up to $35 million of common shares outstanding during the fiscal year 2024. In February 2024, we repurchased 0.9 million common shares outstanding for $35 million at an average price of $39.32. Accumulated Other Comprehensive Income The AOCI loss was $2.7 billion at December 31, 2023, and primarily reflects declines in the fair value of fixed-rate available-for-sale securities as a result of changes in interest rates. During the fourth quarter of 2022, we transferred approximately $10.7 billion fair value ($13.1 billion amortized cost) of mortgage-backed AFS securities to the HTM category to reflect our intent for these securities. The amortized cost basis of these securities does not include $2.4 billion of unrealized losses in AOCI that is amortized over the life of the securities. The amortization of the unrealized losses reported in AOCI will offset the effect of the accretion of the discount in interest income that is created by adjusting the amortized cost basis to the securities’ fair value on the date of the transfer. At December 31, 2023, the unamortized discount on the HTM securities totaled approximately $2.1 billion ($1.5 billion after tax). The following schedule presents the changes in AOCI: (In millions) Net unrealized gains (losses) on investment securities Net unrealized gains (losses) on derivatives and other Pension and post-retirement Total 2023 Balance at December 31, 2022 $ (2,800) $ (311) $ (1) $ (3,112) Other comprehensive income before reclassifications, net of tax 66 22 — 88 Amounts reclassified from AOCI, net of tax 208 124 — 332 Other comprehensive income 274 146 — 420 Balance at December 31, 2023 $ (2,526) $ (165) $ (1) $ (2,692) Income tax expense included in other comprehensive income $ 90 $ 47 $ — $ 137 2022 Balance at December 31, 2021 $ (78) $ — $ (2) $ (80) Other comprehensive loss before reclassifications, net of tax (2,762) (332) 1 (3,093) Amounts reclassified from AOCI, net of tax 40 21 — 61 Other comprehensive income (loss) (2,722) (311) 1 (3,032) Balance at December 31, 2022 $ (2,800) $ (311) $ (1) $ (3,112) Income tax benefit included in other comprehensive loss $ (888) $ (101) $ — $ (989) (In millions) Amounts reclassified from AOCI 1 Affected line item AOCI components 2023 2022 2021 Net unrealized gains (losses) on investment securities $ (276) $ (53) $ — Securities gains (losses), net Less: Income tax expense (benefit) (68) (13) — $ (208) $ (40) $ — Net unrealized gains (losses) on derivative instruments $ (165) $ (27) $ 61 Interest and fees on loans; Interest on short- and long-term borrowings Less: Income tax expense (benefit) (41) (6) 15 $ (124) $ (21) $ 46 1 Positive reclassification amounts indicate increases to earnings on the statement of income. Deferred Compensation Deferred compensation consists of invested assets, including our common stock, which are held in rabbi trusts for certain employees and directors. The fair value of our common stock was approximately $19 million and $14 million at December 31, 2023 and 2022, respectively. We consolidate the rabbi trust assets and liabilities and include them in “Other assets” and “Other liabilities” on the consolidated balance sheet, respectively. At December 31, 2023 and 2022, associated trust assets totaled approximately $124 million and $114 million, and trust liabilities totaled approximately $143 million and $128 million, respectively.

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2023
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
REGULATORY MATTERS	REGULATORY MATTERS We are subject to various regulatory capital requirements administered by federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory — and possibly additional discretionary — actions by regulators that, if undertaken, could have a direct material effect on our financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, we must meet specific capital guidelines that involve quantitative measures of our assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. At December 31, 2023 and 2022, we exceeded all capital adequacy requirements under the Basel III capital rules. Quantitative measures established by regulation to ensure capital adequacy require us to maintain minimum amounts and ratios of common equity Tier 1 (“CET1”) to risk-weighted assets, Tier 1 capital (as defined in the regulations), Total capital, and Tier 1 capital to average assets (Tier 1 leverage ratio). “Well-capitalized” levels are also published as a guideline to evaluate capital positions. At December 31, 2023 and 2022, all of our capital ratios exceeded the “well-capitalized” levels under the regulatory framework for prompt corrective action. Dividends declared by us may not exceed specified criteria unless otherwise approved by our regulators. When determining dividends, we consider current and historical earning levels, retained earnings, and risk-based and other regulatory capital requirements and limitations. Our internal stress tests seek to comprehensively measure all risks to which we are exposed, the losses that could result from those risk exposures under adverse scenarios, and our resulting capital levels. These stress tests have both a qualitative and a quantitative component. The qualitative component evaluates our risk identification processes, stress risk modeling, policies, capital planning, governance processes, and other components of a capital adequacy process. The quantitative process subjects our balance sheet and other risk characteristics to stress testing by using our own models. The following schedule presents our capital amounts and ratios and the minimum requirements to be well-capitalized under Basel III at December 31, 2023 and 2022: (Dollar amounts in millions) December 31, 2023 Minimum requirement to be “well-capitalized” Amount Ratio Amount Ratio Basel III Regulatory Capital Amounts and Ratios Common equity Tier 1 capital (to risk-weighted assets) $ 6,863 10.3 % $ 4,351 6.5 % Tier 1 capital (to risk-weighted assets) 7,303 10.9 5,355 8.0 Total capital (to risk-weighted assets) 8,553 12.8 6,693 10.0 Tier 1 leverage ratio 7,303 8.3 4,379 5.0 December 31, 2022 Minimum requirement to be “well-capitalized” (Dollar amounts in millions) Amount Ratio Amount Ratio Basel III Regulatory Capital Amounts and Ratios Common equity Tier 1 capital (to risk-weighted assets) $ 6,481 9.8 % $ 4,297 6.5 % Tier 1 capital (to risk-weighted assets) 6,921 10.5 5,289 8.0 Total capital (to risk-weighted assets) 8,077 12.2 6,611 10.0 Tier 1 leverage ratio 6,921 7.7 4,472 5.0 The Basel III capital rules require us to maintain certain minimum capital ratios, as well as a 2.5% “capital conservation buffer,” which is designed to absorb losses during periods of economic stress, composed entirely of CET1, and in excess of the minimum risk-based capital ratios. The following schedule presents the minimum capital ratios and capital conservation buffer requirements, compared with our capital ratios at December 31, 2023: December 31, 2023 Minimum capital requirement Capital conservation buffer Minimum capital ratio requirement with capital conservation buffer Current capital CET1 to risk-weighted assets 4.5 % 2.5 % 7.0 % 10.3 % Tier 1 capital (i.e., CET1 plus additional Tier 1 capital) to risk-weighted assets 6.0 2.5 8.5 10.9 Total capital (i.e., Tier 1 capital plus Tier 2 capital) to risk-weighted assets 8.0 2.5 10.5 12.8 Tier 1 capital to average consolidated assets (known as the “Tier 1 leverage ratio”) 4.0 N/A 4.0 8.3 Financial institutions with a ratio of CET1 to risk-weighted assets above the minimum but below the capital conservation buffer may face constraints on dividends, equity repurchases, and compensation based on the amount of the shortfall. Our internal triggers and limits under actual conditions and baseline projections are more restrictive than the capital conservation buffer requirements.

Commitments, Guarantees, Contin

Commitments, Guarantees, Contingent Liabilities, and Related Parties	12 Months Ended
	Dec. 31, 2023
Guarantees, Commitments And Contingencies [Abstract]
COMMITMENTS, GUARANTEES, CONTINGENT LIABILITIES, AND RELATED PARTIES	COMMITMENTS, GUARANTEES, CONTINGENT LIABILITIES, AND RELATED PARTIES Commitments and Guarantees We use certain financial instruments, including derivative instruments, in the normal course of business to meet the financing needs of our customers, to reduce our own exposure to fluctuations in interest rates, and to make a market in U.S. government, agency, corporate, and municipal securities. These financial instruments involve, to varying degrees, elements of credit, liquidity, and interest rate risk in excess of the amounts presented on the consolidated balance sheet. See Notes 3 and 7 for more information on derivative instruments. The following schedule presents the contractual amounts related to off-balance sheet financial instruments used to meet the financing needs of our customers: December 31, (In millions) 2023 2022 Unfunded lending commitments 1 $ 28,940 $ 29,628 Standby letters of credit: Financial 548 667 Performance 206 184 Commercial letters of credit 22 11 Mortgage-backed security purchase agreements 2 66 23 Total unfunded commitments $ 29,782 $ 30,513 1 Net of participations. 2 Represents agreements with Farmer Mac to purchase securities backed by certain agricultural mortgage loans. Loan commitments are agreements to lend to a customer subject to specified conditions. Commitments generally have fixed expiration dates or other termination clauses and may require the payment of a fee. The amount of collateral obtained, if deemed necessary by us upon extension of credit, is based on our initial credit evaluation of the counterparty. Types of collateral vary, but may include accounts receivable, inventory, property, plant and equipment, and income-producing properties. While making loan commitments creates credit risk, a significant portion of such commitments is expected to expire without being drawn upon. At December 31, 2023, we had $8.0 billion of commitments scheduled to expire in 2024. We use the same credit policies and procedures in making loan commitments and conditional obligations as we do for on-balance sheet instruments. These policies and procedures include credit approvals, limits, and ongoing monitoring. We issue standby and commercial letters of credit as conditional commitments generally to guarantee the performance of a customer to a third party. The guarantees are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing, and similar transactions. Standby letters of credit include commitments of $754 million expiring in 2024. The credit risk involved in issuing letters of credit is equivalent to the risk involved in extending credit to customers. We generally hold marketable securities and cash equivalents as collateral. Certain mortgage loans sold have limited recourse provisions for periods ranging from three months to one year. The amount of losses resulting from the exercise of these provisions has not been significant. Legal Matters We are 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 December 31, 2023, we were subject to the following material litigation: • Two civil cases, Lifescan Inc. and Johnson & Johnson Health Care Services v. Jeffrey C. Smith, et. al. , brought against us in the United States District Court for the District of New Jersey in December 2017, and Roche Diagnostics and Roche Diabetes Care Inc. v. Jeffrey C. Smith, et. al. , brought against us in the United States District Court for the District of New Jersey in March 2019. In these cases, certain manufacturers and distributors of medical products seek to hold us liable for allegedly fraudulent practices of a borrower of the Bank who filed for bankruptcy protection in 2017. The cases are in discovery phases. Trial for the two cases has been scheduled for November 2024, but may be rescheduled to a later date. • 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 October 2024. The parties are currently engaged in settlement discussions. At least quarterly, we review outstanding and new legal matters, utilizing then available information. In accordance with applicable accounting guidance, if we determine that a loss from a matter is probable and the amount of the loss can be reasonably estimated, we establish an accrual for the loss. In the absence of such a determination, no accrual is made. Once established, accruals are adjusted to reflect developments relating to the matters. In our review, we also assess whether we can determine the range of reasonably possible losses for significant matters in which we are unable to determine that the likelihood of a loss is remote. Because of the difficulty of predicting the outcome of legal matters, discussed subsequently, we are able to meaningfully estimate such a range only for a limited number of matters. Based on information available at December 31, 2023, we estimated that the aggregate range of reasonably possible losses for those matters to be from zero to approximately $10 million in excess of amounts accrued. The matters underlying the estimated range will change from time to time, and actual results may vary significantly from this estimate. Those matters for which a meaningful estimate is not possible are not included within this estimated range and, therefore, this estimated range does not represent our maximum loss exposure. Based on our current knowledge, we believe that our current estimated liability for litigation and other legal actions and claims, reflected in our accruals and determined in accordance with applicable accounting guidance, is adequate and that liabilities in excess of the amounts currently accrued, if any, arising from litigation and other legal actions and claims for which an estimate as previously described is possible, will not have a material impact on our financial condition, results of operations, or cash flows. However, in light of the significant uncertainties involved in these matters, and the very large or indeterminate damages sought in some of these matters, an adverse outcome in one or more of these matters could be material to our financial condition, results of operations, or cash flows for any given reporting period. Any estimate or determination relating to the future resolution of litigation, arbitration, governmental or self-regulatory examinations, investigations or actions or similar matters is inherently uncertain and involves significant judgment. This is particularly true in the early stages of a legal matter, when legal issues and facts have not been well articulated, reviewed, analyzed, and vetted through discovery, preparation for trial or hearings, substantive and productive mediation or settlement discussions, or other actions. It is also particularly true with respect to class action and similar claims involving multiple defendants, matters with complex procedural requirements or substantive issues or novel legal theories, and examinations, investigations and other actions conducted or brought by governmental and self-regulatory agencies, in which the normal adjudicative process is not applicable. Accordingly, we are usually unable to determine whether a favorable or unfavorable outcome is remote, reasonably likely, or probable, or to estimate the amount or range of a probable or reasonably likely loss, until relatively late in the course of a legal matter, sometimes not until a number of years have elapsed. Accordingly, our judgments and estimates relating to claims will change from time to time in light of developments, and actual outcomes will differ from our estimates. These differences may be material. Related Party Transactions We have no material related party transactions requiring disclosure. In the ordinary course of business, we extend credit to related parties, including executive officers, directors, principal shareholders, and their associates and related interests. These related party loans are made in compliance with applicable banking regulations.

Revenue Recognition

Revenue Recognition	12 Months Ended
	Dec. 31, 2023
Revenue Recognition and Deferred Revenue [Abstract]
REVENUE RECOGNITION	REVENUE RECOGNITION We derive our revenue primarily from interest and fees on loans and interest income on securities, which combined represented approximately 81% of our total revenue (interest income plus noninterest income) in 2023. Noninterest income and revenue from contracts with customers is recognized when control of the promised goods or services is transferred to our customers, in an amount that reflects the consideration we expect to be entitled to in exchange for those goods or services. We recognize the incremental cost of obtaining a contract as an expense, when incurred, if the amortization period of the asset that we would have recognized is one year or less. For performance obligations satisfied over time, if we have a right to consideration from a customer in an amount that corresponds directly with the value to the customer of our performance completed to date, we will generally recognize revenue in the amount to which we have a right to invoice. We do not generally disclose information about our remaining performance obligations for those performance obligations that have an original expected duration of one year or less, or where we recognize revenue in the amount to which we have a right to invoice. The following is a description of revenue from contracts with customers: Commercial Account Fees Commercial account fee income is comprised of account analysis fees, merchant fees, and payroll services income. Revenue is recognized as the services are rendered or upon completion of services. Card Fees Card fee income includes interchange fees from credit and debit cards, net fees earned from processing card transactions for merchants, and automated teller machine (“ATM”) services. Card fee income is recognized as earned. Reward program costs are recorded when the rewards are earned by the customer and as a reduction to interchange income. Retail and Business Banking Fees Retail and business banking fees typically consist of fees charged for providing customers with deposit services. These fees are primarily comprised of insufficient funds fees, noncustomer ATM charges, and other various fees on deposit accounts. Service charges on deposit accounts include fees earned in lieu of compensating balances, and fees earned for performing cash management services and other deposit account services. Service charges on deposit accounts are recognized over the period in which the related service is provided. Treasury management fees are billed monthly based on services rendered for the month. Capital Markets Fees Capital markets fees primarily consist of municipal advisory services, customer swap fees, loan syndication fees, and foreign exchange services provided to customers. Revenue is recognized as the services are rendered or upon completion of services. Wealth Management Fees Wealth management fees are primarily comprised of wealth management commissions, as well as other portfolio and advisory services. Revenue is recognized as the services are rendered or upon completion of services. Financial planning, fiduciary, and estate services typically have performance obligations that are greater than 12 months, although the amount of future performance obligations are not significant. Other Customer-related Fees Other customer-related fees generally consist of miscellaneous income sources, including fees associated with compliance and other support services to pharmacies and healthcare providers; corporate trust fees; other advisory and referral fees; and fees associated with claims and inventory management services for certain customers. Revenue is recognized as the services are rendered or upon completion of services. Disaggregation of Revenue The following schedule presents total net revenue by operating business segment: Zions Bank CB&T Amegy (In millions) 2023 2022 2021 2023 2022 2021 2023 2022 2021 Commercial account fees $ 55 $ 53 $ 46 $ 32 $ 28 $ 25 $ 56 $ 46 $ 40 Card fees 52 55 58 21 20 17 31 33 29 Retail and business banking fees 19 22 22 11 12 12 14 16 15 Capital markets fees — — — — — — — — — Wealth management fees 23 22 21 4 4 5 17 15 13 Other customer-related fees 8 8 7 7 6 4 7 7 6 Total noninterest income from contracts with customers (ASC 606) 157 160 154 75 70 63 125 117 103 Other noninterest income (non-ASC 606 customer-related) 24 19 21 35 34 34 37 40 36 Total customer-related noninterest income 181 179 175 110 104 97 162 157 139 Other noncustomer-related noninterest income 11 5 10 6 4 5 22 1 2 Total noninterest income 192 184 185 116 108 102 184 158 141 Net interest income 696 741 633 598 595 536 453 513 462 Total net revenue $ 888 $ 925 $ 818 $ 714 $ 703 $ 638 $ 637 $ 671 $ 603 NBAZ NSB Vectra (In millions) 2023 2022 2021 2023 2022 2021 2023 2022 2021 Commercial account fees $ 10 $ 9 $ 7 $ 12 $ 11 $ 9 $ 7 $ 8 $ 7 Card fees 15 15 11 16 15 12 9 9 6 Retail and business banking fees 8 9 9 10 10 10 4 4 4 Capital markets fees — — — — — — — — — Wealth management fees 3 3 3 5 5 4 1 1 2 Other customer-related fees 1 2 1 1 1 1 4 3 2 Total noninterest income from contracts with customers (ASC 606) 37 38 31 44 42 36 25 25 21 Other noninterest income (non-ASC 606 customer-related) 2 8 13 1 6 14 3 6 12 Total customer-related noninterest income 39 46 44 45 48 50 28 31 33 Other noncustomer-related noninterest income 1 2 2 — — — — — — Total noninterest income 40 48 46 45 48 50 28 31 33 Net interest income 260 241 204 191 183 146 150 153 136 Total net revenue $ 300 $ 289 $ 250 $ 236 $ 231 $ 196 $ 178 $ 184 $ 169 TCBW Other Consolidated Bank (In millions) 2023 2022 2021 2023 2022 2021 2023 2022 2021 Commercial account fees $ 2 $ 2 $ 2 $ — $ 2 $ 1 $ 174 $ 159 $ 137 Card fees 2 2 1 — — 1 146 149 135 Retail and business banking fees — — — — — 1 66 73 73 Capital markets fees — — — 4 4 6 4 4 6 Wealth management fees 1 — — (1) 1 (2) 53 51 46 Other customer-related fees 1 1 1 31 31 30 60 59 52 Total noninterest income from contracts with customers (ASC 606) 6 5 4 34 38 37 503 495 449 Other noninterest income (non-ASC 606 customer-related) 1 2 2 14 4 (6) 117 119 126 Total customer-related noninterest income 7 7 6 48 42 31 620 614 575 Other noncustomer-related noninterest income — — — 17 6 109 57 18 128 Total noninterest income 7 7 6 65 48 140 677 632 703 Net interest income 60 63 53 30 31 38 2,438 2,520 2,208 Total net revenue $ 67 $ 70 $ 59 $ 95 $ 79 $ 178 $ 3,115 $ 3,152 $ 2,911 Revenue from contracts with customers did not generate significant contract assets and liabilities. Contract receivables are included in “Other assets” on the consolidated balance sheet. Payment terms vary by services offered, and the timing between completion of performance obligations and payment is generally not significant.

Retirement Plans

Retirement Plans	12 Months Ended
	Dec. 31, 2023
Defined Benefit Plans and Other Postretirement Benefit Plans Disclosures [Abstract]
Retirement Plans	RETIREMENT PLANS Defined Benefit Plans Supplemental Retirement Plans — These unfunded, nonqualified plans are for certain current and former employees. Each year, our contributions to these plans are made in amounts sufficient to meet benefit payments to plan participants. Our liability for these plans totaled approximately $9 million and $10 million at December 31, 2023, and 2022, respectively. Post-retirement Plan — This unfunded health care and life insurance plan provides post-retirement benefits to certain former full-time employees who meet minimum age and service requirements. Our contribution toward the retiree medical premium has been permanently frozen at an amount that does not increase in any future year. Each year, our contributions to the plan are made in amounts sufficient to meet the portion of the premiums that are our responsibility. Our liability for this plan was less than $1 million at December 31, 2023 and 2022. The liability for supplemental retirement and post-retirement benefits is included in “Other liabilities” on the consolidated balance sheet. Defined Contribution Plan We offer a 401(k) and employee stock ownership plan under which employees select from several investment alternatives. Employees can contribute up to 80% of their earnings subject to the annual maximum allowed contribution. We match 100% of the first 3% of employee contributions and 50% of the next 3% of employee contributions. Matching contributions to participants totaled $35 million, $33 million, and $32 million in 2023 , 2022, and 2021, respectively. The 401(k) plan also has a noncontributory profit-sharing feature that is discretionary and may range from 0% to 3.5% of eligible compensation based upon our performance according to a formula approved annually by the Board. The profit-sharing expense was $16 million, $19 million, and $24 million in 2023 , 2022 , and 2021, respectively. The profit-sharing contribution to participants consisted of shares of our common stock purchased in the open market.

Share-Based Compensation

Share-Based Compensation	12 Months Ended
	Dec. 31, 2023
Share-Based Payment Arrangement [Abstract]
SHARE-BASED COMPENSATION	SHARE-BASED COMPENSATION We have a share-based compensation incentive plan that allows us to grant stock options, restricted stock, RSUs, and other awards to employees and nonemployee directors. Total shares authorized under the plan at December 31, 2023 were 4,300,000, of which 2,747,546 were available for future grants. All share-based payments to employees, including grants of employee stock options, are recorded as compensation expense based on their grant date values with consideration of service and performance vesting requirements. The value of an equity award is estimated on the grant date using a fair value model without regard to service or performance vesting conditions, but does consider post-vesting restrictions. We classify all share-based awards as equity instruments. Compensation expense is included in “Salaries and employee benefits” on the consolidated statement of income, and the corresponding equity effect is included in shareholders ’ equity. We account for forfeitures of share-based compensation awards as they occur. Substantially all share-based awards of stock options, restricted stock, and RSUs have graded vesting that is recognized on a straight-line basis over the vesting period. The following schedule presents compensation expense and the related tax benefit for all share-based awards: (In millions) 2023 2022 2021 Compensation expense $ 33 $ 30 $ 28 Reduction of income tax expense 9 11 11 At December 31, 2023, compensation expense not yet recognized for nonvested share-based awards was approximately $34 million, which is expected to be recognized over a weighted average period of 2.4 years. Stock Options Stock options granted to employees generally vest at the rate of one third each year and expire seven years after the date of grant. For all stock options granted in 2023, 2022, and 2021, we used the Black-Scholes option pricing model to estimate the grant date value of stock options in determining compensation expense. The following schedule summarizes the weighted average value at grant date and the significant assumptions used in applying the Black-Scholes model for options granted: 2023 2022 2021 Weighted average value for options granted $ 11.23 $ 15.16 $ 7.86 Weighted average assumptions used: Expected dividend yield 3.0 % 2.3 % 2.5 % Expected volatility 27.0 % 27.0 % 25.0 % Risk-free interest rate 4.00 % 1.98 % 0.47 % Expected life (in years) 4.5 5.0 5.0 The assumptions for expected dividend yield, expected volatility, and expected life reflect management’s judgment and include consideration of historical experience. Expected volatility is based in part on historical volatility. The risk-free interest rate is based on the U.S. Treasury yield curve in effect at the time of grant for periods corresponding with the expected life of the option. The following schedule summarizes our stock option activity for the three years ended December 31, 2023: Number of shares Weighted average exercise price Balance at December 31, 2020 1,683,657 $ 38.26 Granted 345,636 48.65 Exercised (686,894) 31.08 Expired (7,910) 42.16 Forfeited (6,345) 48.04 Balance at December 31, 2021 1,328,144 44.60 Granted 201,932 73.02 Exercised (256,004) 36.79 Expired (8,912) 37.58 Forfeited (2,794) 57.75 Balance at December 31, 2022 1,262,366 50.75 Granted 291,005 52.90 Exercised (95,207) 29.67 Expired (27,948) 35.41 Forfeited (9,838) 57.07 Balance at December 31, 2023 1,420,378 52.83 Outstanding stock options exercisable as of: December 31, 2023 891,884 $ 50.36 December 31, 2022 729,411 46.02 December 31, 2021 693,883 41.54 We issue new authorized common shares for the exercise of stock options. The total intrinsic value of stock options exercised was approximately $2 million in 2023, $7 million in 2022, and $16 million in 2021. Cash received from the exercise of stock options was $2 million in 2023, $8 million in 2022, and $20 million in 2021. The following schedule presents additional selected information on stock options at December 31, 2023: Outstanding stock options Exercisable stock options Exercise price range Number of shares Weighted average exercise price Weighted average remaining contractual life (years) Number of shares Weighted average exercise price $4.15 to $19.99 5,223 $ 6.41 1 0 5,223 $ 6.41 $25.00 to $29.99 452 29.12 3.8 452 29.12 $40.00 to $44.99 73,077 44.18 0.2 73,077 44.18 $45.00 to $49.99 558,629 47.34 3.6 446,660 47.01 $50.00 to $59.99 587,155 52.78 3.8 301,194 52.67 $60.00 to $73.22 195,842 73.19 5.0 65,278 73.19 1,420,378 52.83 1 3.7 891,884 50.36 1 The weighted average remaining contractual life excludes 5,223 stock options without a fixed expiration date that were assumed with the Amegy acquisition. They expire between the date of termination and one year from the date of termination, depending upon certain circumstances. The aggregate intrinsic value of outstanding stock options at December 31, 2023 and 2022 was less than $1 million and $4 million, respectively, while the aggregate intrinsic value of exercisable options was less than $1 million and $3 million at the same respective dates. For exercisable options, the weighted average remaining contractual life was 2.7 years and 2.8 years at December 31, 2023 and 2022, respectively, excluding the stock options previously noted without a fixed expiration date. At December 31, 2023, 528,192 stock options with a weighted average exercise price of $57.01, and a weighted average remaining life of 5.4 years, were expected to vest according to their respective schedules with an aggregate intrinsic value of $0. Restricted Stock and Restricted Stock Units Restricted stock is common stock with certain restrictions that relate to trading and the possibility of forfeiture. Generally, restricted stock vests over four years. Holders of restricted stock have full voting rights and receive dividend equivalents during the vesting period. In addition, holders of restricted stock can make an election to be subject to income tax on the grant date rather than the vesting date. RSUs represent rights to one share of common stock for each unit and generally vest over four years. Holders of RSUs receive dividend equivalents during the vesting period, but do not have voting rights. Compensation expense is determined based on the number of restricted shares or RSUs granted and the market price of our common stock at the issue date. During 2023, 2022, and 2021, we granted 39,771, 16,722, and 16,938 RSUs, respectively, to nonemployee directors. The RSUs vested immediately upon grant. The following schedule summarizes our restricted stock activity for the three years ended December 31, 2023: Number of shares Weighted average fair value Nonvested restricted shares at December 31, 2020 57,396 $ 44.20 Issued 26,083 39.16 Vested (18,663) 43.89 Nonvested restricted shares at December 31, 2021 64,816 42.26 Issued 21,038 60.21 Vested (25,105) 42.66 Nonvested restricted shares at December 31, 2022 60,749 48.31 Issued — — Vested (24,978) 46.31 Nonvested restricted shares at December 31, 2023 35,771 49.71 The following schedule summarizes our RSU activity for the three years ended December 31, 2023: Number of restricted stock units Weighted average fair value Restricted stock units at December 31, 2020 1,242,321 $ 46.31 Granted 578,056 47.02 Vested (505,690) 46.51 Forfeited (40,604) 47.97 Restricted stock units at December 31, 2021 1,274,083 46.49 Granted 433,674 68.07 Vested (504,358) 47.83 Forfeited (34,306) 56.58 Restricted stock units at December 31, 2022 1,169,093 53.62 Granted 727,019 48.85 Vested (522,163) 48.71 Forfeited (44,004) 56.19 Restricted stock units at December 31, 2023 1,329,945 52.88 The total value at grant date of restricted stock and RSUs vested during the year was $27 million in 2023, $25 million in 2022, and $24 million in 2021. At December 31, 2023, 35,771 shares of restricted stock and 881,923 RSUs were expected to vest according to their respective schedules with an aggregate intrinsic value of $2 million and $39 million, respectively.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2023
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES The following schedule presents the major components of our income tax expense: (In millions) 2023 2022 2021 Federal: Current $ 168 $ 236 $ 230 Deferred — (38) 27 Total Federal 168 198 257 State: Current 47 52 55 Deferred (9) (5) 5 Total State 38 47 60 Total income tax expense $ 206 $ 245 $ 317 The following schedule presents a reconciliation of income tax expense computed at the statutory federal income tax rate of 21% and the actual income tax expense: (In millions) 2023 2022 2021 Income tax expense at statutory federal rate $ 186 $ 242 $ 304 State income taxes including credits, net 31 38 48 Other nondeductible expenses 29 13 8 Nontaxable income (41) (40) (36) Share-based compensation (1) (4) (3) Other 2 (4) (4) Total income tax expense $ 206 $ 245 $ 317 The net DTA or DTL is included in either “Other assets” or “Other liabilities” on the consolidated balance sheet. The following schedule presents the tax effects of temporary differences that give rise to significant portions of DTAs and DTLs: (In millions) December 31, 2023 2022 Gross deferred tax assets: Book loan loss deduction in excess of tax $ 181 $ 157 Deferred compensation 81 83 Security investments and derivative fair value adjustments 879 1,011 Lease liabilities 50 49 Capitalized costs 37 82 Other 48 29 Total deferred tax assets before valuation allowance 1,276 1,411 Valuation allowance — — Total deferred tax assets 1,276 1,411 Gross deferred tax liabilities: Premises and equipment, due to differences in depreciation (101) (99) Federal Home Loan Bank stock dividends (3) (2) Leasing operations (49) (49) Prepaid expenses (5) (5) Prepaid pension reserves — (3) Mortgage servicing (5) (12) Deferred loan costs (34) (34) ROU assets (43) (44) Qualified opportunity fund deferred gains (27) (26) Equity investments (10) (9) Total deferred tax liabilities (277) (283) Net deferred tax assets (liabilities) $ 999 $ 1,128 We have certain fixed-rate AFS securities whose fair value has declined due to increases in benchmark interest rates, resulting in unrealized losses in the AFS portfolio and a corresponding DTA. The sale of these securities could result in significant realized losses, which would require future earnings to utilize the deferred tax assets. We have the ability and intent to hold these securities to recovery. We evaluate DTAs on a regular basis to determine whether a valuation allowance is required. In conducting this evaluation, we consider all available evidence, both positive and negative, based on the more-likely-than-not criteria that such assets will be realized. This evaluation includes, but is not limited to, the following: • Future reversals of existing DTLs — These DTLs have a reversal pattern generally consistent with DTAs, and are used to realize the DTAs. • Tax planning strategies — We have considered prudent and feasible tax planning strategies that we would implement to preserve the value of the DTAs, if necessary. • Future projected taxable income — We expect future taxable income will offset the reversal of remaining net DTAs. Based on this evaluation, we concluded that a valuation allowance was not required at December 31, 2023 and December 31, 2022. At December 31, 2023, the tax effect of remaining net operating loss and tax credit carryforwards was less than $1 million, expiring through 2039. We have a liability for unrecognized tax benefits relating to uncertain tax positions for tax credits on technology initiatives. The following schedule presents a roll-forward of gross unrecognized tax benefits: (In millions) 2023 2022 2021 Balance at beginning of year $ 13 $ 14 $ 11 Tax positions related to current year: Additions 2 2 2 Tax positions related to prior years: Additions 10 — 1 Reductions — (1) — Settlements with taxing authorities (3) — — Lapses in statutes of limitations (7) (2) — Balance at end of year $ 15 $ 13 $ 14 At December 31, 2023 and 2022, the liability for unrecognized tax benefits included approximately $13 million and $12 million (net of the federal tax benefit on state taxes) that, if recognized, would affect the effective tax rate. The amount of gross unrecognized tax benefits related to tax credits on technology initiatives that may increase or decrease during the 12 months subsequent to December 31, 2023 is dependent on the timing and outcome of various ongoing federal and state examinations. For tax years not currently under examination, the gross unrecognized tax benefits on technology initiatives may decrease by approximately $8 million. Interest and penalties related to unrecognized tax benefits are included in “Income tax expense” on the statement of income. At December 31, 2023 and 2022, accrued interest and penalties included in “Other liabilities” on the consolidated balance sheet, net of any federal and state tax benefits, totaled approximately $2 million and $1 million, respectively. We file income tax returns in U.S. federal and various state jurisdictions, and we are no longer subject to income tax examinations for years prior to 2013 for federal and certain state returns.

Net Earnings Per Common Share

Net Earnings Per Common Share	12 Months Ended
	Dec. 31, 2023
Earnings Per Share [Abstract]
NET EARNINGS PER COMMON SHARE	NET EARNINGS PER COMMON SHARE The following schedule summarizes the basic and diluted net earnings per common share based on the weighted average outstanding shares: (In millions, except shares and per share amounts) 2023 2022 2021 Basic: Net income $ 680 $ 907 $ 1,129 Less common and preferred dividends 277 269 261 Less impact from redemption of preferred stock — — 3 Undistributed earnings 403 638 865 Less undistributed earnings applicable to nonvested shares 4 5 7 Undistributed earnings applicable to common shares 399 633 858 Distributed earnings applicable to common shares 243 237 230 Total earnings applicable to common shares $ 642 $ 870 $ 1,088 Weighted average common shares outstanding (in thousands) 147,748 150,064 159,913 Net earnings per common share $ 4.35 $ 5.80 $ 6.80 Diluted: Total earnings applicable to common shares $ 642 $ 870 $ 1,088 Weighted average common shares outstanding (in thousands) 147,748 150,064 159,913 Dilutive effect of stock options (in thousands) 8 207 321 Weighted average diluted common shares outstanding (in thousands) 147,756 150,271 160,234 Net earnings per common share $ 4.35 $ 5.79 $ 6.79 The following schedule presents the weighted average stock awards that were anti-dilutive and not included in the calculation of diluted earnings per share: (In thousands) 2023 2022 2021 Restricted stock and restricted stock units $ 1,383 $ 1,265 $ 1,374 Stock options 1,409 178 74

Operating Segment Information

Operating Segment Information	12 Months Ended
	Dec. 31, 2023
Segment Reporting [Abstract]
OPERATING SEGMENT INFORMATION	OPERATING SEGMENT INFORMATION We manage our operations with a primary focus on geographic area. We conduct our operations primarily through seven separately managed affiliate banks, each with its own local branding and management team, including Zions Bank, Amegy Bank, California Bank & Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington. These affiliate banks comprise our primary business segments. Performance assessment and resource allocation are based upon this geographic structure. Our affiliate banks are supported by an enterprise operating segment (referred to as the “Other” segment) that provides governance and risk management, allocates capital, establishes strategic objectives, and includes centralized technology, back-office functions, and certain lines of business not operated through our affiliate banks. We allocate the cost of centrally provided services to the business segments based upon estimated or actual usage of those services. We also allocate capital based on the risk-weighted assets held at each business segment. We use an internal funds transfer pricing (“FTP”) allocation process to report results of operations for business segments. This process is subject to change and refinement over time. Total average loans and deposits presented for the business segments include insignificant intercompany amounts between business segments and may also include deposits with the “Other” segment. At December 31, 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 43 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. In July 2022, NSB completed the purchase of three Northern Nevada City National Bank branches and their associated deposit, credit card, and loan accounts. We acquired approximately $430 million in deposits and $95 million in commercial and consumer loans at the time of the purchase. Transactions between business segments are primarily conducted at fair value, resulting in profits that are eliminated for reporting consolidated results of operations. The following schedule presents average loans, average deposits, and income before income taxes because we use these metrics when evaluating performance and making decisions pertaining to the business segments. The condensed statement of income identifies the components of income and expense which affect the operating amounts presented in the “Other” segment. The following schedule presents selected operating segment information: (In millions) Zions Bank CB&T Amegy 2023 2022 2021 2023 2022 2021 2023 2022 2021 SELECTED INCOME STATEMENT DATA Net interest income $ 696 $ 741 $ 633 $ 598 $ 595 $ 536 $ 453 $ 513 $ 462 Provision for credit losses 20 43 (26) 44 49 (78) 15 5 (96) Net interest income after provision for credit losses 676 698 659 554 546 614 438 508 558 Noninterest income 192 184 185 116 108 102 184 158 141 Noninterest expense 557 495 464 388 340 311 404 355 337 Income (loss) before income taxes $ 311 $ 387 $ 380 $ 282 $ 314 $ 405 $ 218 $ 311 $ 362 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 14,298 $ 13,277 $ 13,198 $ 14,128 $ 13,129 $ 12,892 $ 12,851 $ 12,110 $ 12,189 Total average deposits 20,233 24,317 23,588 14,253 16,160 15,796 13,569 15,735 15,496 (In millions) NBAZ NSB Vectra 2023 2022 2021 2023 2022 2021 2023 2022 2021 SELECTED INCOME STATEMENT DATA Net interest income $ 260 $ 241 $ 204 $ 191 $ 183 $ 146 $ 150 $ 153 $ 136 Provision for credit losses 4 11 (27) 42 4 (35) 7 9 (12) Net interest income after provision for credit losses 256 230 231 149 179 181 143 144 148 Noninterest income 40 48 46 45 48 50 28 31 33 Noninterest expense 189 167 151 171 151 142 137 120 114 Income (loss) before income taxes $ 107 $ 111 $ 126 $ 23 $ 76 $ 89 $ 34 $ 55 $ 67 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 5,318 $ 4,911 $ 4,849 $ 3,392 $ 2,987 $ 3,015 $ 4,004 $ 3,632 $ 3,414 Total average deposits 7,008 8,035 7,288 6,964 7,436 6,691 3,482 4,109 4,386 (In millions) TCBW Other Consolidated Bank 2023 2022 2021 2023 2022 2021 2023 2022 2021 SELECTED INCOME STATEMENT DATA Net interest income $ 60 $ 63 $ 53 $ 30 $ 31 $ 38 $ 2,438 $ 2,520 $ 2,208 Provision for credit losses 2 1 (3) (2) — 1 132 122 (276) Net interest income after provision for credit losses 58 62 56 32 31 37 2,306 2,398 2,484 Noninterest income 7 7 6 65 48 140 677 632 703 Noninterest expense 27 24 21 224 226 201 2,097 1,878 1,741 Income (loss) before income taxes $ 38 $ 45 $ 41 $ (127) $ (147) $ (24) $ 886 $ 1,152 $ 1,446 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 1,705 $ 1,630 $ 1,569 $ 1,044 $ 922 $ 857 $ 56,740 $ 52,598 $ 51,983 Total average deposits 1,196 1,571 1,537 6,161 1,166 1,475 72,866 78,529 76,257

Quarterly Financial Information

Quarterly Financial Information (Unaudited)	12 Months Ended
	Dec. 31, 2023
Quarterly Financial Information Disclosure [Abstract]
Quarterly Financial Information (Unaudited)	QUARTERLY FINANCIAL INFORMATION (UNAUDITED) The following schedule presents quarterly financial information for 2023 and 2022: (In millions, except per share amounts) Fourth Quarter Third Quarter Second Quarter First Quarter 2023 Total interest income $ 1,040 $ 1,010 $ 977 $ 920 Net interest income 583 585 591 679 Provision for credit losses — 41 46 45 Noninterest income 148 180 189 160 Noninterest expense 581 496 508 512 Income before income taxes 150 228 226 282 Net income 126 175 175 204 Preferred stock dividends 10 7 9 6 Net earnings applicable to common shareholders 116 168 166 198 Net earnings per common share: Basic 0.78 1.13 1.11 1.33 Diluted 0.78 1.13 1.11 1.33 2022 Total interest income $ 835 $ 707 $ 608 $ 555 Net interest income 720 663 593 544 Provision for credit losses 43 71 41 (33) Noninterest income 153 165 172 142 Noninterest expense 471 479 464 464 Income before income taxes 359 278 260 255 Net income 284 217 203 203 Preferred stock dividends 7 6 8 8 Net earnings applicable to common shareholders 277 211 195 195 Net earnings per common share: Basic 1.84 1.40 1.29 1.27 Diluted 1.84 1.40 1.29 1.27

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Pay vs Performance Disclosure
Net Income (Loss) Attributable to Parent	$ 126	$ 175	$ 175	$ 204	$ 284	$ 217	$ 203	$ 203	$ 680	$ 907	$ 1,129

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Dec. 31, 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

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policy)	12 Months Ended
	Dec. 31, 2023
Accounting Policies [Abstract]
Basis of Financial Statement Presentation and Principles of Consolidation	Basis of Financial Statement Presentation and Principles of Consolidation The consolidated financial statements include our accounts and those of our majority-owned, consolidated subsidiaries. Unconsolidated investments where we have the ability to exercise significant influence over the operating and financial policies of the respective investee are accounted for using the equity method of accounting. All intercompany accounts and transactions have been eliminated in consolidation. Assets held in an agency or fiduciary capacity are not included in the consolidated financial statements. The consolidated financial statements have been prepared in accordance with United States (“U.S.”) generally accepted accounting principles (“GAAP”) and prevailing practices within the financial services industry. References to GAAP, including standards promulgated by the Financial Accounting Standards Board (“FASB”), are made according to sections of the Accounting Standards Codification (“ASC”). 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.
Subsequent Events	Subsequent Events We evaluated events that occurred between December 31, 2023 and the date the accompanying financial statements were issued, and determined that there were no material events that would require adjustments to our consolidated financial statements or significant disclosure in the accompanying Notes.
Variable Interest Entities	Variable Interest Entities
Statement of Cash Flows	Statement of Cash Flows For purposes of presentation on the consolidated statements of cash flows, “cash and cash equivalents” are defined as those amounts included in “Cash and due from banks” on the consolidated balance sheets.
Fair Value Estimates	Fair Value Estimates We measure many of our assets and liabilities on a fair value basis. Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. To increase consistency and comparability in fair value measurements, we prioritize valuation inputs in accordance with a three-level hierarchy. We prioritize quoted prices in active markets and minimize reliance on unobservable inputs when possible. When observable market prices are not available, fair value is estimated using modeling techniques requiring professional judgment to estimate the appropriate fair value. We believe we use assumptions that market participants would consider in pricing the asset or the liability. Changes in market conditions may reduce the availability of quoted prices or observable data. See Note 3 for further information regarding the use of fair value estimates. Fair Value Measurement Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. To measure fair value, a hierarchy has been established that prioritizes the use of observable inputs over unobservable inputs. This hierarchy uses the following three levels of inputs to measure the fair value of assets and liabilities: • Level 1 — Quoted prices in active markets for identical assets or liabilities that we have the ability to access; • Level 2 — Observable inputs other than Level 1, including quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in less active markets, observable inputs other than quoted prices that are used in the valuation of an asset or liability, and inputs that are derived principally from or corroborated by observable market data by correlation or other means; and • Level 3 — Unobservable inputs supported by little or no market activity for financial instruments whose value is determined by pricing models, discounted cash flow methodologies or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. The level in the fair value hierarchy within which the fair value measurement is classified is determined based on the lowest level input that is significant to the fair value measurement in its entirety. Market activity is presumed to be orderly in the absence of evidence of forced or disorderly sales. Applicable accounting guidance precludes the use of blockage factors or liquidity adjustments due to the quantity of securities held by an entity. We measure certain assets and liabilities at fair value on a recurring basis when fair value is the primary measure for accounting. Fair value is used on a nonrecurring basis to measure certain assets, such as the application of lower of cost or fair value accounting and the recognition of impairment on assets. Fair value is also used when providing required disclosures for certain financial instruments. Fair Value Policies and Procedures We have various policies, processes, and controls in place to ensure that fair values are reasonably developed, reviewed, and approved for use. Our Securities Valuation Committee, comprised of executive management, reviews and approves on a quarterly basis the key components of fair value measurements, including critical valuation assumptions for Level 3 measurements. Our Model Risk Management Group conducts model validations, including internal models, and sets policies and procedures for revalidation, including the timing of revalidation. Third-party Service Providers We use a third-party pricing service to measure fair value for substantially all of our Level 2 AFS securities. Fair value measurements for other Level 2 AFS securities generally use inputs corroborated by market data and include standard discounted cash flow analyses. For Level 2 securities, the third-party pricing service provides documentation on an ongoing basis that presents market data, including detailed pricing information and market reference data. The documentation includes benchmark yields, reported trades, broker-dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, and reference data, including information from the vendor trading platform. We review, test, and validate this information on a regular basis. The following describes the hierarchy designations, valuation methodologies and key inputs to measure fair value on a recurring basis for designated financial instruments: Available-for-Sale • U.S. Treasury, Agencies and Corporations — U.S. Treasury securities measured using quoted market prices are classified in Level 1. U.S. agency and corporate securities measured using observable market inputs are classified in Level 2. • Municipal Securities — Municipal securities are measured using observable market inputs and are classified in Level 2. • Other Debt Securities — Other debt securities are measured using quoted prices for similar securities and are classified in Level 2. Trading Trading securities are measured using observable market inputs and are classified in Level 1 and Level 2. Bank-owned Life Insurance BOLI is measured according to the CSV of the insurance policies. Nearly all policies are general account policies with CSVs based on our claims on the assets of the insurance companies. The insurance companies’ investments include predominantly fixed-income securities consisting of investment-grade corporate bonds and various types of mortgage instruments. Management regularly reviews its BOLI investment performance, including concentrations among insurance providers and classifies BOLI balances in Level 2. Private Equity Investments PEIs measured at fair value on a recurring basis are generally classified in Level 3 because related measurements include unobservable inputs. Key assumptions and considerations include current and projected financial performance, recent financing activities, economic and market conditions, market comparable companies, market liquidity, and other factors. The majority of these PEIs are held in our Small Business Investment Company (“SBIC”) and are early-stage venture investments. These investments are reviewed at least quarterly by the Securities Valuation Committee and whenever a new round of financing occurs. Some of these investments may be measured using multiples of operating performance. The Equity Investments Committee reviews periodic financial information for these investments, including audited financial statements when available. On occasion, PEIs may become publicly traded and are measured in Level 1. Certain restrictions may apply for the redemption of these investments. Agriculture Loan Servicing We service agriculture loans approved and funded by Federal Agricultural Mortgage Corporation (“FAMC”), and provide this servicing under an agreement with FAMC for the loans it owns. The servicing assets are measured at fair value, which represents our projection of the present value of net future cash flows. Because related measurements include unobservable inputs, these assets are classified in Level 3. Loans held for sale We have elected the fair value option for certain commercial real estate loans that are intended for sale to a third-party conduit for securitization. These loans are measured at fair value using observable market prices for mortgage-backed securities with similar collateral. The value of the loans incorporates adjustments for differences between the securities and the value of the underlying loans due to credit quality, portfolio composition, and liquidity. Valuations of loans measured at fair value are generally classified in Level 2 in the fair value hierarchy because their pricing is largely based on observable market inputs. Deferred Compensation Plan Assets Invested assets in the deferred compensation plan consist of shares of registered investment companies. These mutual funds are valued using quoted market prices, which represents the net asset value (“NAV”) of shares held by the plan at the end of the period. As such, these assets are classified in Level 1. Derivatives Exchange-traded derivatives, including foreign currency exchange contracts, are generally classified in Level 1 because they are traded in active markets. Over-the-counter derivatives, consisting primarily of interest rate swaps and options, are generally classified in Level 2 as the related fair values are obtained from third-party services that utilize observable market inputs. Observable market inputs include yield curves, foreign exchange rates, commodity prices, option volatility, counterparty credit risk, and other related data. Valuations include credit valuation adjustments (“CVAs”) to reflect nonperformance risk for both us and our counterparties. CVAs are determined generally by applying a credit spread to the total expected exposure (net of any collateral) of the derivative. Securities Sold, Not Yet Purchased Securities sold, not yet purchased, are included in “Federal funds and other short-term borrowings” on the consolidated balance sheet, and are measured using quoted market prices and are generally classified in Level 1. If market prices for identical securities are not available, quoted prices for similar securities are used with the related balances classified in Level 2.
Securities Purchased Under Agreements to Resell	Securities Purchased Under Agreements to Resell
Investment Securities	Investment Securities We classify our investment securities according to their purpose and holding period. Gains or losses on the sale of securities are recognized using the specific identification method and recorded in noninterest income. Held-to-maturity (“HTM”) debt securities are carried at amortized cost with purchase discounts or premiums accreted or amortized into interest income over the contractual life of the security. We have the intent and ability to hold such securities until maturity. For HTM securities, the allowance for credit losses (“ACL”) is assessed consistent with the approach described in Note 6 for loans carried at amortized cost. Available-for-sale (“AFS”) securities are measured at fair value and generally consist of debt securities held for investment. Unrealized gains and losses of AFS securities, after applicable taxes, are recorded as a component of other comprehensive income (“OCI”). AFS securities in an unrealized loss position are formally reviewed on a quarterly basis for the presence of credit impairment. If we have the intent to sell an identified security, or it is more likely than not we will be required to sell the security before recovery of its amortized cost basis, we write the amortized cost down to the security’s fair value at the reporting date through earnings. If we have the intent and ability to hold the securities, they are analyzed to determine whether any impairment was attributable to credit-related factors. If a credit impairment is determined to exist, then we measure the amount of credit loss and recognize an allowance for the credit loss. In measuring the credit loss, we generally compare the present value of cash flows expected to be collected from the security to the amortized cost basis of the security. These cash flows are credit adjusted using, among other things, assumptions for default probability and loss severity. Certain other inputs, such as prepayment rate assumptions, are also utilized. In addition, certain internal models may be utilized. To determine the credit-related portion of impairment, we use the security-specific effective interest rate when estimating the present value of cash flows. If the present value of cash flows is less than the amortized cost basis of the security, then this amount is recorded as an allowance for credit loss, limited to the amount that the fair value is less than the amortized cost basis (i.e., the credit impairment cannot result in the security being carried at an amount lower than its fair value). The process, methodology, and factors considered to evaluate securities for impairment are described further in Note 5. See also Note 3 for further information regarding the measurement of our investment securities at fair value. 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. Investment Securities Investment securities are classified as HTM, AFS, or trading. HTM securities, which management has the intent and ability to hold until maturity, are carried at amortized cost. The amortized cost amounts represent the original cost of the investments, adjusted for related amortization or accretion of any purchase premiums or discounts, and for any impairment losses, including credit-related impairment. AFS securities are carried at fair value, and changes in fair value (unrealized gains and losses) are reported as net increases or decreases to AOCI, net of related taxes. Trading securities are measured at fair value with gains and losses recognized in current period earnings.
Leases	Leases
Loans	Loans Loans are reported at their amortized cost basis, which includes the principal amount outstanding, net of unamortized purchase premiums, discounts, and deferred loan fees and costs, which are amortized into interest income over the life of the loan using the interest method. At the time of origination, we generally determine whether loans are held for investment or held for sale. We may subsequently change our intent for a loan or group of loans and reclassify them accordingly. Loans held for sale are carried at the lower of aggregate cost or fair value. A valuation allowance is recorded when cost exceeds fair value based on reviews at the time of reclassification and periodically thereafter. Associated gains and losses are calculated based on the difference between sales proceeds and carrying value, and are included in “Loan-related fees and income” on the consolidated statement of income. We evaluate loans throughout their lives for indications of credit deterioration, which may impact the loan status, risk-grading, and potentially impact the accounting for that loan. Loan status categories include past due as to contractual payments, accruing or nonaccruing, and modified or restructured, including troubled debt restructurings (“TDRs”), which were no longer identified after the adoption of Accounting Standards Update (“ASU”) 2022-02, Financial Instruments—Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures , beginning January 1, 2023 as discussed in Note 2. Our accounting policies for loans and our estimation of the related ACL are described further in Note 6. In the ordinary course of business, we may syndicate portions of loans or transfer portions of loans under participation agreements to manage credit risk and our portfolio concentration. We evaluate the loan participations to determine if they meet the appropriate accounting guidance to qualify as sales. Certain purchased loans require separate accounting procedures that are also described in Note 6. We elect the fair value option for certain commercial real estate (“CRE”) loans that are intended for sale or securitization and are hedged with derivative instruments, as described further in Note 3. Allowance for Credit Losses The ACL, which consists of the allowance for loan and lease losses (“ALLL”) and the reserve for unfunded lending commitments (“RULC”), represents our estimate of current expected credit losses related to the loan and lease portfolio and unfunded lending commitments as of the balance sheet date. The ACL for debt securities is estimated separately from loans. See Note 6 for further discussion of our estimation process for the ACL.
Other Noninterest-bearing Investments	Other Noninterest-bearing Investments These investments include private equity investments (“PEIs”), venture capital securities, securities acquired for various debt and regulatory requirements, bank-owned life insurance (“BOLI”), and certain other noninterest-bearing investments. See further discussion in Note 3. Certain PEIs and venture capital securities are accounted for under the equity method when we are able to exercise significant influence over the operating and financial policies of the investee. Equity investments in PEIs that do not give us significant influence are reported at fair value, unless there is not a readily determinable fair value. We have elected to measure PEIs without readily determinable fair values at cost less impairment (if any), plus or minus observable price changes from an identical or similar investment of the same issuer, referred to as the “measurement alternative.” Periodic reviews are conducted for impairment by comparing carrying values with estimates of fair value. Changes in fair value, impairment losses, and gains and losses from sales are included in “Securities gains (losses), net” on the consolidated statement of income. BOLI is accounted for at fair value based on the cash surrender values (“CSVs”) of the general account insurance policies.
Premises, Equipment, and Software	Premises, Equipment, and Software Premises, equipment, and software are reported at cost, net of accumulated depreciation and amortization. Depreciation, computed primarily on the straight-line method, is charged to operations over the estimated useful lives of the properties, generally 25 to 40 years for buildings, three three to 10 years for software, including capitalized costs related to our technology initiatives. Leasehold improvements are amortized over the terms of the respective leases (including any extension options that are reasonably certain to be exercised) or the estimated useful lives of the improvements, whichever is shorter. Premises, equipment, and software are evaluated for impairment on a periodic basis.
Goodwill and Intangible Assets	Goodwill and Intangible Assets Goodwill is recorded at fair value at the time of its acquisition and is subsequently evaluated for impairment annually, or more frequently if conditions warrant.
Business Combinations	Business Combinations Business combinations are accounted for under the acquisition method of accounting. Upon initially obtaining control, we recognize 100% of all acquired assets and all assumed liabilities, regardless of the percentage owned. The assets and liabilities are recorded at their estimated fair values, with goodwill being recorded when such fair values are less than the cost of acquisition. Certain transaction and restructuring costs are expensed as incurred. Changes to estimated fair values from a business combination are recognized as an adjustment to goodwill over the measurement period, which cannot exceed one year from the acquisition date. Results of operations of acquired businesses are included on our statement of income from the date of acquisition.
Other Real Estate Owned	Other Real Estate Owned Other real estate owned (“OREO”) consists primarily of commercial and residential real estate acquired in partial or total satisfaction of loan obligations. Amounts are recorded initially at fair value (less estimated selling costs) based on recent property appraisals at the time of transfer and subsequently at the lower of cost or fair value (less estimated selling costs).
Derivative Instruments	Derivative Instruments We use derivative instruments such as swaps and purchased and sold options as an important tool in managing our asset and liability sensitivities to remain within our stated interest rate risk thresholds. Their use allows us to adjust and align our mix of fixed- and floating-rate assets and liabilities to manage interest income and expense volatility, the duration of our assets and liabilities, and other metrics, such as the economic value of equity, by synthetically converting variable-rate assets to fixed-rate, or synthetically converting variable-rate assets and liabilities to fixed rate, or synthetically converting fixed-rate assets and funding instruments to floating rates. We also execute both interest rate and short-term foreign currency derivative instruments with our commercial banking customers to facilitate their risk management objectives. These derivatives are hedged by entering into offsetting derivatives with third parties such that we minimize our net risk exposure as a result of such transactions. We record all derivatives at fair value, and they are included in “Other assets” or “Other liabilities” on the consolidated balance sheet.
Derivatives Designated in Qualifying Hedging Relationships	Derivatives Designated in Qualifying Hedging Relationships
Commitments and Letters of Credit	Commitments and Letters of Credit In the ordinary course of business, we enter into loan commitments, commercial letters of credit, and standby letters of credit. Such financial instruments are recorded in the financial statements when they are funded. The credit risk associated with these commitments is evaluated in a manner similar to the ALLL. The RULC is presented separately on the consolidated balance sheet.
Revenue Recognition	Revenue Recognition
Share-based Compensation	Share-based Compensation
Income Taxes	Income Taxes
Net Earnings Per Common Share	Net Earnings Per Common Share
Fair Value Measurement	Fair Value Estimates We measure many of our assets and liabilities on a fair value basis. Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. To increase consistency and comparability in fair value measurements, we prioritize valuation inputs in accordance with a three-level hierarchy. We prioritize quoted prices in active markets and minimize reliance on unobservable inputs when possible. When observable market prices are not available, fair value is estimated using modeling techniques requiring professional judgment to estimate the appropriate fair value. We believe we use assumptions that market participants would consider in pricing the asset or the liability. Changes in market conditions may reduce the availability of quoted prices or observable data. See Note 3 for further information regarding the use of fair value estimates. Fair Value Measurement Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. To measure fair value, a hierarchy has been established that prioritizes the use of observable inputs over unobservable inputs. This hierarchy uses the following three levels of inputs to measure the fair value of assets and liabilities: • Level 1 — Quoted prices in active markets for identical assets or liabilities that we have the ability to access; • Level 2 — Observable inputs other than Level 1, including quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in less active markets, observable inputs other than quoted prices that are used in the valuation of an asset or liability, and inputs that are derived principally from or corroborated by observable market data by correlation or other means; and • Level 3 — Unobservable inputs supported by little or no market activity for financial instruments whose value is determined by pricing models, discounted cash flow methodologies or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. The level in the fair value hierarchy within which the fair value measurement is classified is determined based on the lowest level input that is significant to the fair value measurement in its entirety. Market activity is presumed to be orderly in the absence of evidence of forced or disorderly sales. Applicable accounting guidance precludes the use of blockage factors or liquidity adjustments due to the quantity of securities held by an entity. We measure certain assets and liabilities at fair value on a recurring basis when fair value is the primary measure for accounting. Fair value is used on a nonrecurring basis to measure certain assets, such as the application of lower of cost or fair value accounting and the recognition of impairment on assets. Fair value is also used when providing required disclosures for certain financial instruments. Fair Value Policies and Procedures We have various policies, processes, and controls in place to ensure that fair values are reasonably developed, reviewed, and approved for use. Our Securities Valuation Committee, comprised of executive management, reviews and approves on a quarterly basis the key components of fair value measurements, including critical valuation assumptions for Level 3 measurements. Our Model Risk Management Group conducts model validations, including internal models, and sets policies and procedures for revalidation, including the timing of revalidation. Third-party Service Providers We use a third-party pricing service to measure fair value for substantially all of our Level 2 AFS securities. Fair value measurements for other Level 2 AFS securities generally use inputs corroborated by market data and include standard discounted cash flow analyses. For Level 2 securities, the third-party pricing service provides documentation on an ongoing basis that presents market data, including detailed pricing information and market reference data. The documentation includes benchmark yields, reported trades, broker-dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, and reference data, including information from the vendor trading platform. We review, test, and validate this information on a regular basis. The following describes the hierarchy designations, valuation methodologies and key inputs to measure fair value on a recurring basis for designated financial instruments: Available-for-Sale • U.S. Treasury, Agencies and Corporations — U.S. Treasury securities measured using quoted market prices are classified in Level 1. U.S. agency and corporate securities measured using observable market inputs are classified in Level 2. • Municipal Securities — Municipal securities are measured using observable market inputs and are classified in Level 2. • Other Debt Securities — Other debt securities are measured using quoted prices for similar securities and are classified in Level 2. Trading Trading securities are measured using observable market inputs and are classified in Level 1 and Level 2. Bank-owned Life Insurance BOLI is measured according to the CSV of the insurance policies. Nearly all policies are general account policies with CSVs based on our claims on the assets of the insurance companies. The insurance companies’ investments include predominantly fixed-income securities consisting of investment-grade corporate bonds and various types of mortgage instruments. Management regularly reviews its BOLI investment performance, including concentrations among insurance providers and classifies BOLI balances in Level 2. Private Equity Investments PEIs measured at fair value on a recurring basis are generally classified in Level 3 because related measurements include unobservable inputs. Key assumptions and considerations include current and projected financial performance, recent financing activities, economic and market conditions, market comparable companies, market liquidity, and other factors. The majority of these PEIs are held in our Small Business Investment Company (“SBIC”) and are early-stage venture investments. These investments are reviewed at least quarterly by the Securities Valuation Committee and whenever a new round of financing occurs. Some of these investments may be measured using multiples of operating performance. The Equity Investments Committee reviews periodic financial information for these investments, including audited financial statements when available. On occasion, PEIs may become publicly traded and are measured in Level 1. Certain restrictions may apply for the redemption of these investments. Agriculture Loan Servicing We service agriculture loans approved and funded by Federal Agricultural Mortgage Corporation (“FAMC”), and provide this servicing under an agreement with FAMC for the loans it owns. The servicing assets are measured at fair value, which represents our projection of the present value of net future cash flows. Because related measurements include unobservable inputs, these assets are classified in Level 3. Loans held for sale We have elected the fair value option for certain commercial real estate loans that are intended for sale to a third-party conduit for securitization. These loans are measured at fair value using observable market prices for mortgage-backed securities with similar collateral. The value of the loans incorporates adjustments for differences between the securities and the value of the underlying loans due to credit quality, portfolio composition, and liquidity. Valuations of loans measured at fair value are generally classified in Level 2 in the fair value hierarchy because their pricing is largely based on observable market inputs. Deferred Compensation Plan Assets Invested assets in the deferred compensation plan consist of shares of registered investment companies. These mutual funds are valued using quoted market prices, which represents the net asset value (“NAV”) of shares held by the plan at the end of the period. As such, these assets are classified in Level 1. Derivatives Exchange-traded derivatives, including foreign currency exchange contracts, are generally classified in Level 1 because they are traded in active markets. Over-the-counter derivatives, consisting primarily of interest rate swaps and options, are generally classified in Level 2 as the related fair values are obtained from third-party services that utilize observable market inputs. Observable market inputs include yield curves, foreign exchange rates, commodity prices, option volatility, counterparty credit risk, and other related data. Valuations include credit valuation adjustments (“CVAs”) to reflect nonperformance risk for both us and our counterparties. CVAs are determined generally by applying a credit spread to the total expected exposure (net of any collateral) of the derivative. Securities Sold, Not Yet Purchased Securities sold, not yet purchased, are included in “Federal funds and other short-term borrowings” on the consolidated balance sheet, and are measured using quoted market prices and are generally classified in Level 1. If market prices for identical securities are not available, quoted prices for similar securities are used with the related balances classified in Level 2.
Investment Securities, Impairment	Ongoing Policy On a quarterly basis, we review our investment securities portfolio for the presence of impairment on an individual security basis. For AFS securities, when the fair value of a debt security is less than its amortized cost basis at the balance sheet date, we assess for the presence of credit impairment. When determining if the fair value of an investment is less than the amortized cost basis, we have elected to exclude accrued interest from the amortized cost basis of the investment. If we have the intent to sell an identified security, or if it is more likely than not we will be required to sell the security before recovery of its amortized cost basis, we write the amortized cost down to the security’s fair value at the reporting date through earnings. If we have the intent and ability to hold the securities, we determine whether there is any impairment attributable to credit-related factors. We analyze certain factors, primarily internal and external credit ratings, to determine if the decline in fair value below the amortized cost basis has resulted from a credit loss or other factors. If a credit impairment is determined to exist, then we measure the amount of credit loss and recognize an allowance for the credit loss. In measuring the credit loss, we generally compare the present value of cash flows expected to be collected from the security to the amortized cost basis of the security. These cash flows are credit adjusted using, among other things, assumptions for default probability and loss severity. Certain other inputs, such as prepayment rate assumptions, are also utilized. In addition, certain internal models may be utilized. To determine the credit-related portion of impairment, we use the security-specific effective interest rate when estimating the present value of cash flows. If the present value of cash flows is less than the amortized cost basis of the security, then this amount is recorded as an allowance for credit loss, limited to the amount that the fair value is less than the amortized cost basis (i.e., the credit impairment cannot result in the security being carried at an amount lower than its fair value). The assumptions used to estimate the expected cash flows depend on the particular asset class, structure, and credit rating of the security. Declines in fair value that are not recorded in the allowance are recorded in other comprehensive income, net of applicable taxes.
Recent Accounting Pronouncements	Standard Description Effective date Effect on the financial statements or other significant matters Standards not yet adopted by the Bank as of December 31, 2023 ASU 2022-03, Fair Value Measurement (Topic 820): Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions This ASU clarifies that contractual restrictions prohibiting the sale of an equity security are not considered part of the unit of account of the equity security, and therefore, are not considered in measuring fair value. The amendments clarify that an entity cannot recognize and measure a contractual sale restriction as a separate unit of account. The amendments in this ASU also require additional qualitative and quantitative disclosures for equity securities subject to contractual sale restrictions. January 1, 2024 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. The overall effect of this standard is not expected to have a material impact on our financial statements. 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 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 on the consolidated statement of income 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. January 1, 2024 We do not currently have any additional equity investments that are eligible for PAM under the provisions of this ASU. The overall effect of this standard is not expected to have a material impact on our financial statements. ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures This ASU expands operating segment disclosures and requires all segment disclosures to be reported in both annual and interim periods. The new standard requires disclosure of the following: • Significant segment expenses that are regularly provided to the chief operating decision maker (“CODM”) for reportable segments; • The title and position of the CODM as well as how the CODM uses the reported measure(s) of profit and loss to assess segment performance; and • “Other segment items” by reportable segment and a description of its composition. Annual periods beginning January 1, 2024; Interim periods beginning January 1, 2025 The overall effect of this standard is not expected to have a material impact on our financial statements. ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures This ASU expands tax disclosures to provide more information to better assess how an entity’s operations and related tax risks and tax planning and opportunities affect its tax rate and prospects for future cash flows. The enhancements in this ASU require that an entity disaggregate income taxes paid and income (or loss) from continuing operations before tax expense (or benefit), and income tax expense (or benefit) from continuing operations. The new standard requires disclosure of specific categories in the rate reconciliation and provide additional information for reconciling items that meet a quantitative threshold. January 1, 2025 We are evaluating the disclosure requirements. The overall effect of this standard is not expected to have a material impact on our financial statements. Standards adopted by the Bank in 2023 ASU 2022-02, Financial Instruments—Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures This ASU eliminated the recognition and measurement guidance on troubled debt restructurings for creditors that have adopted ASC 326 (“CECL”), and eliminated certain previously required TDR disclosures while expanding disclosures about loan modifications for borrowers experiencing financial difficulty. The new standard also required public companies to present gross write-offs (on a year-to-date basis for interim-period disclosures) by year of origination in their vintage disclosures. January 1, 2023 We adopted the guidance in the new standard on January 1, 2023. The adoption of this standard did not have a material effect on our financial statements.

Recent Accounting Pronounceme_2

Recent Accounting Pronouncements (Tables)	12 Months Ended
	Dec. 31, 2023
Accounting Policies [Abstract]
Schedule of Recent Accounting Pronouncements	Standard Description Effective date Effect on the financial statements or other significant matters Standards not yet adopted by the Bank as of December 31, 2023 ASU 2022-03, Fair Value Measurement (Topic 820): Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions This ASU clarifies that contractual restrictions prohibiting the sale of an equity security are not considered part of the unit of account of the equity security, and therefore, are not considered in measuring fair value. The amendments clarify that an entity cannot recognize and measure a contractual sale restriction as a separate unit of account. The amendments in this ASU also require additional qualitative and quantitative disclosures for equity securities subject to contractual sale restrictions. January 1, 2024 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. The overall effect of this standard is not expected to have a material impact on our financial statements. 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 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 on the consolidated statement of income 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. January 1, 2024 We do not currently have any additional equity investments that are eligible for PAM under the provisions of this ASU. The overall effect of this standard is not expected to have a material impact on our financial statements. ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures This ASU expands operating segment disclosures and requires all segment disclosures to be reported in both annual and interim periods. The new standard requires disclosure of the following: • Significant segment expenses that are regularly provided to the chief operating decision maker (“CODM”) for reportable segments; • The title and position of the CODM as well as how the CODM uses the reported measure(s) of profit and loss to assess segment performance; and • “Other segment items” by reportable segment and a description of its composition. Annual periods beginning January 1, 2024; Interim periods beginning January 1, 2025 The overall effect of this standard is not expected to have a material impact on our financial statements. ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures This ASU expands tax disclosures to provide more information to better assess how an entity’s operations and related tax risks and tax planning and opportunities affect its tax rate and prospects for future cash flows. The enhancements in this ASU require that an entity disaggregate income taxes paid and income (or loss) from continuing operations before tax expense (or benefit), and income tax expense (or benefit) from continuing operations. The new standard requires disclosure of specific categories in the rate reconciliation and provide additional information for reconciling items that meet a quantitative threshold. January 1, 2025 We are evaluating the disclosure requirements. The overall effect of this standard is not expected to have a material impact on our financial statements. Standards adopted by the Bank in 2023 ASU 2022-02, Financial Instruments—Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures This ASU eliminated the recognition and measurement guidance on troubled debt restructurings for creditors that have adopted ASC 326 (“CECL”), and eliminated certain previously required TDR disclosures while expanding disclosures about loan modifications for borrowers experiencing financial difficulty. The new standard also required public companies to present gross write-offs (on a year-to-date basis for interim-period disclosures) by year of origination in their vintage disclosures. January 1, 2023 We adopted the guidance in the new standard on January 1, 2023. The adoption of this standard did not have a material effect on our financial statements.

Fair Value (Tables)

Fair Value (Tables)	12 Months Ended
	Dec. 31, 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) December 31, 2023 Level 1 Level 2 Level 3 Total ASSETS Available-for-sale securities: U.S. Treasury, agencies, and corporations $ 492 $ 8,467 $ — $ 8,959 Municipal securities 1,318 1,318 Other debt securities 23 23 Total available-for-sale 492 9,808 — 10,300 Trading securities 48 48 Other noninterest-bearing investments: Bank-owned life insurance 553 553 Private equity investments 1 3 92 95 Other assets: Agriculture loan servicing 19 19 Loans held for sale 43 43 Deferred compensation plan assets 124 124 Derivatives 420 420 Total assets $ 619 $ 10,872 $ 111 $ 11,602 LIABILITIES Securities sold, not yet purchased $ 65 $ — $ — $ 65 Other liabilities: Derivatives 333 333 Total liabilities $ 65 $ 333 $ — $ 398 1 The level 1 PEIs relate to the portion of our 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 roll-forward of assets and liabilities that are measured at fair value on a recurring basis using Level 3 inputs: Level 3 Instruments December 31, 2023 December 31, 2022 December 31, 2021 (In millions) Private Ag loan servicing Private Ag loan servicing Private Ag loan servicing Balance at beginning of year $ 81 $ 14 $ 66 $ 12 $ 80 $ 16 Unrealized securities gains (losses), net (2) — 3 — 71 — Other noninterest income (expense) 1 — 5 — 2 — (3) Purchases 14 — 16 — 17 — Cost of investments sold (1) — (3) — (24) — Redemptions and paydowns — — — — — (1) Transfers out 2 — — (1) — (78) — Balance at end of year $ 92 $ 19 $ 81 $ 14 $ 66 $ 12 1 Represents the valuation adjustments related to the agricultural loan servicing asset. 2 Represents the transfer of SBIC investments out of Level 3 and into Level 1 because they are publicly traded.
Schedule of Realized Gain (Loss)	The roll-forward of Level 3 instruments includes the following realized gains and losses included in “Securities gains (losses), net” on the consolidated statement of income for the periods presented: (In millions) Year Ended December 31, 2023 2022 2021 Securities gains (losses), net $ (1) $ (2) $ 31
Schedule of Carrying Values and Estimated Fair Values of Financial Instruments	The following schedule presents the carrying values and estimated fair values of certain financial instruments: December 31, 2023 December 31, 2022 (In millions) Carrying Fair value Level Carrying Fair value Level Financial assets: Held-to-maturity investment securities $ 10,382 $ 10,466 2 $ 11,126 $ 11,239 2 Loans and leases (including loans held for sale), net of allowance 57,148 54,832 3 55,086 53,093 3 Financial liabilities: Time deposits 9,996 9,964 2 2,309 2,269 2 Long-term debt 542 494 2 651 635 2

Offsetting Assets and Liabili_2

Offsetting Assets and Liabilities (Tables)	12 Months Ended
	Dec. 31, 2023
Offsetting [Abstract]
Schedule of Offsetting Assets and Liabilities	The following schedule presents gross and net information for selected financial instruments on the balance sheet: December 31, 2023 (In millions) Gross amounts not offset on the balance sheet Description Gross amounts recognized Gross amounts offset on the balance sheet Net amounts presented on the balance sheet Financial instruments Cash collateral received/pledged Net amount Assets: Federal funds sold and securities purchased under agreements to resell $ 1,170 $ (233) $ 937 $ — $ — $ 937 Derivatives (included in Other assets 420 — 420 (31) (357) 32 Total assets $ 1,590 $ (233) $ 1,357 $ (31) $ (357) $ 969 Liabilities: Federal funds and other short-term borrowings $ 4,612 $ (233) $ 4,379 $ — $ — $ 4,379 Derivatives (included in Other liabilities 333 — 333 (31) (1) 301 Total liabilities $ 4,945 $ (233) $ 4,712 $ (31) $ (1) $ 4,680 December 31, 2022 (In millions) Gross amounts not offset on the balance sheet Description Gross amounts recognized Gross amounts offset on the balance sheet Net amounts presented on 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 schedule presents gross and net information for selected financial instruments on the balance sheet: December 31, 2023 (In millions) Gross amounts not offset on the balance sheet Description Gross amounts recognized Gross amounts offset on the balance sheet Net amounts presented on the balance sheet Financial instruments Cash collateral received/pledged Net amount Assets: Federal funds sold and securities purchased under agreements to resell $ 1,170 $ (233) $ 937 $ — $ — $ 937 Derivatives (included in Other assets 420 — 420 (31) (357) 32 Total assets $ 1,590 $ (233) $ 1,357 $ (31) $ (357) $ 969 Liabilities: Federal funds and other short-term borrowings $ 4,612 $ (233) $ 4,379 $ — $ — $ 4,379 Derivatives (included in Other liabilities 333 — 333 (31) (1) 301 Total liabilities $ 4,945 $ (233) $ 4,712 $ (31) $ (1) $ 4,680 December 31, 2022 (In millions) Gross amounts not offset on the balance sheet Description Gross amounts recognized Gross amounts offset on the balance sheet Net amounts presented on 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)	12 Months Ended
	Dec. 31, 2023
Investments [Abstract]
Summary of Investment Securities	The following schedules present the amortized cost and estimated fair values of our HTM and AFS securities: December 31, 2023 (In millions) Amortized Gross unrealized gains 1 Gross Estimated Held-to-maturity U.S. Government agencies and corporations: Agency securities $ 93 $ — $ 6 $ 87 Agency guaranteed mortgage-backed securities 9,935 156 50 10,041 Municipal securities 354 — 16 338 Total held-to-maturity 10,382 156 72 10,466 Available-for-sale U.S. Treasury securities 585 — 93 492 U.S. Government agencies and corporations: Agency securities 663 — 33 630 Agency guaranteed mortgage-backed securities 8,530 — 1,239 7,291 Small Business Administration loan-backed securities 571 — 25 546 Municipal securities 1,385 — 67 1,318 Other 25 — 2 23 Total available-for-sale 11,759 — 1,459 10,300 Total HTM and AFS investment securities $ 22,141 $ 156 $ 1,531 $ 20,766 1 Gross unrealized gains for the respective AFS 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 1 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 1 75 — 2 73 Total available-for-sale 13,538 2 1,625 11,915 Total HTM and AFS investment securities $ 24,664 $ 167 $ 1,677 $ 23,154 1 Gross unrealized gains for these security categories were less than $1 million.
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 December 31, 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. December 31, 2023 Total debt securities 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 $ 93 3.55 % $ — — % $ — — % $ — — % $ 93 3.55 % Agency guaranteed mortgage-backed securities 9,935 1.85 — — — — 45 1.94 9,890 1.85 Municipal securities 1 354 3.15 26 2.70 127 3.00 166 3.36 35 3.08 Total held-to-maturity securities 10,382 1.91 26 2.70 127 3.00 211 3.06 10,018 1.87 Available-for-sale U.S. Treasury securities 585 3.26 184 5.24 — — — — 401 2.35 U.S. Government agencies and corporations: Agency securities 663 2.63 116 0.93 154 3.16 207 2.73 186 3.15 Agency guaranteed mortgage-backed securities 8,530 2.01 3 1.40 174 1.63 1,459 2.11 6,894 2.00 Small Business Administration loan-backed securities 571 5.54 1 5.33 22 6.33 141 4.40 407 5.89 Municipal securities 1 1,385 2.18 138 2.54 432 2.63 717 1.84 98 2.22 Other debt securities 25 8.77 — — — — 10 9.50 15 8.28 Total available-for-sale securities 11,759 2.32 442 3.24 782 2.61 2,534 2.24 8,001 2.26 Total HTM and AFS investment securities $ 22,141 2.13 % $ 468 3.21 % $ 909 2.67 % $ 2,745 2.30 % $ 18,019 2.04 % 1 The yields on tax-exempt securities are calculated on a tax-equivalent basis.
Debt Securities, Available-for-Sale	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: December 31, 2023 Less than 12 months 12 months or more Total (In millions) Gross Estimated Gross Estimated Gross Estimated Available-for-sale U.S. Treasury securities $ — $ — $ 93 $ 308 $ 93 $ 308 U.S. Government agencies and corporations: Agency securities — 5 33 605 33 610 Agency guaranteed mortgage-backed securities 71 312 1,168 6,902 1,239 7,214 Small Business Administration loan-backed securities — 4 25 484 25 488 Municipal securities 2 229 65 1,061 67 1,290 Other — — 2 13 2 13 Total available-for-sale investment securities $ 73 $ 550 $ 1,386 $ 9,373 $ 1,459 $ 9,923 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 income: 2023 2022 2021 (In millions) Gross Gross Gross Gross Gross Gross Available-for-sale 72 72 — — — — Trading 13 11 — — — — Other noninterest-bearing investments $ 27 $ 25 $ 11 $ 26 $ 119 $ 48 Total 112 108 11 26 119 48 Net gains (losses) 1 $ 4 $ (15) $ 71 1 Net gains (losses) are included in “S ecurities gains (losses), net ” on the consolidated statement of income.
Interest Income by Security Type	The following schedule presents interest income by security type: (In millions) 2023 2022 2021 Taxable Nontaxable Total Taxable Nontaxable Total Taxable Nontaxable Total Investment securities: Held-to-maturity $ 236 $ 3 $ 239 $ 42 $ 4 $ 46 $ 10 $ 5 $ 15 Available-for-sale 291 31 322 411 40 451 256 29 285 Trading — 2 2 — 15 15 — 11 11 Total securities $ 527 $ 36 $ 563 $ 453 $ 59 $ 512 $ 266 $ 45 $ 311

Loans, Leases, and Allowance _2

Loans, Leases, and Allowance For Credit Losses (Tables)	12 Months Ended
	Dec. 31, 2023
Receivables [Abstract]
Summary of Major Portfolio Segment and Specific Loan Class	Loans and leases are summarized as follows according to major portfolio segment and specific class: December 31, (In millions) 2023 2022 Loans held for sale $ 53 $ 8 Commercial: Commercial and industrial 1 $ 16,684 $ 16,377 Leasing 383 386 Owner-occupied 9,219 9,371 Municipal 4,302 4,361 Total commercial 30,588 30,495 Commercial real estate: Construction and land development 2,669 2,513 Term 10,702 10,226 Total commercial real estate 13,371 12,739 Consumer: Home equity credit line 3,356 3,377 1-4 family residential 8,415 7,286 Construction and other consumer real estate 1,442 1,161 Bankcard and other revolving plans 474 471 Other 133 124 Total consumer 13,820 12,419 Total loans and leases $ 57,779 $ 55,653 1 Commercial and industrial loan balances include Paycheck Protection Program (“PPP”) loans of $77 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: Twelve Months Ended (In millions) 2023 2022 2021 Loans added to held for sale $ 678 $ 659 $ 1,700 Loans sold from held for sale 632 716 1,683
Summary of Changes in the Allowance for Credit Losses	Changes in the ACL are summarized as follows: December 31, 2023 (In millions) Commercial Commercial Consumer Total Allowance for loan and lease losses Balance at December 31, 2022 $ 300 $ 156 $ 119 $ 575 Adjustment for change in accounting standard — (4) 1 (3) Balance at beginning of year $ 300 $ 152 $ 120 $ 572 Provision for loan losses 27 92 29 148 Gross loan and lease charge-offs 45 3 14 62 Recoveries 20 — 6 26 Net loan and lease charge-offs (recoveries) 25 3 8 36 Balance at end of year $ 302 $ 241 $ 141 $ 684 Reserve for unfunded lending commitments Balance at beginning of year $ 16 $ 33 $ 12 $ 61 Provision for unfunded lending commitments 3 (16) (3) (16) Balance at end of year $ 19 $ 17 $ 9 $ 45 Total allowance for credit losses Allowance for loan and lease losses $ 302 $ 241 $ 141 $ 684 Reserve for unfunded lending commitments 19 17 9 45 Total allowance for credit losses $ 321 $ 258 $ 150 $ 729 December 31, 2022 (In millions) Commercial Commercial Consumer Total Allowance for loan and lease losses Balance at beginning of year $ 311 $ 107 $ 95 $ 513 Provision for loan losses 29 49 23 101 Gross loan and lease charge-offs 72 — 10 82 Recoveries 32 — 11 43 Net loan and lease charge-offs (recoveries) 40 — (1) 39 Balance at end of year $ 300 $ 156 $ 119 $ 575 Reserve for unfunded lending commitments Balance at beginning of year $ 19 $ 11 $ 10 $ 40 Provision for unfunded lending commitments (3) 22 2 21 Balance at end of year $ 16 $ 33 $ 12 $ 61 Total allowance for credit losses Allowance for loan and lease losses $ 300 $ 156 $ 119 $ 575 Reserve for unfunded lending commitments 16 33 12 61 Total allowance for credit losses $ 316 $ 189 $ 131 $ 636
Summary of Nonaccrual Loans	The amortized cost basis of loans on nonaccrual status is summarized as follows: December 31, 2023 Amortized cost basis Total amortized cost basis (In millions) with no allowance with allowance Related allowance Commercial: Commercial and industrial $ 11 $ 71 $ 82 $ 30 Leasing — 2 2 1 Owner-occupied 12 8 20 1 Total commercial 23 81 104 32 Commercial real estate: Construction and land development 22 — 22 — Term 37 2 39 1 Total commercial real estate 59 2 61 1 Consumer: Home equity credit line 1 16 17 5 1-4 family residential 8 32 40 5 Total consumer loans 9 48 57 10 Total $ 91 $ 131 $ 222 $ 43 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: Twelve Months Ended (In millions) 2023 2022 2021 Commercial $ 10 $ 12 $ 15 Commercial real estate 3 1 2 Consumer 2 — — Total $ 15 $ 13 $ 17
Summary of Past Due Loans (Accruing and Nonaccruing)	Past-due loans (accruing and nonaccruing) are summarized as follows: December 31, 2023 (In millions) Current 30-89 days 90+ days Total Total Accruing Nonaccrual loans that are current 1 Commercial: Commercial and industrial $ 16,631 $ 38 $ 15 $ 53 $ 16,684 $ 1 $ 65 Leasing 381 2 — 2 383 — — Owner-occupied 9,206 11 2 13 9,219 1 18 Municipal 4,301 1 — 1 4,302 — — Total commercial 30,519 52 17 69 30,588 2 83 Commercial real estate: Construction and land development 2,645 2 22 24 2,669 — — Term 10,661 14 27 41 10,702 — 3 Total commercial real estate 13,306 16 49 65 13,371 — 3 Consumer: Home equity credit line 3,334 17 5 22 3,356 — 9 1-4 family residential 8,375 17 23 40 8,415 — 13 Construction and other consumer real estate 1,442 — — — 1,442 — Bankcard and other revolving plans 468 5 1 6 474 1 — Other 132 1 — 1 133 — — Total consumer loans 13,751 40 29 69 13,820 1 22 Total $ 57,576 $ 108 $ 95 $ 203 $ 57,779 $ 3 $ 108 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	he amortized cost basis of loans and leases categorized by year of origination and by credit quality classifications as monitored by management, as well as year-to-date gross charge-offs: December 31, 2023 Term Loans Revolving loans amortized cost basis Revolving loans converted to term loans amortized cost basis Amortized cost basis by year of origination (In millions) 2023 2022 2021 2020 2019 Prior Total Commercial: Commercial and industrial Pass $ 2,654 $ 2,420 $ 1,204 $ 639 $ 494 $ 598 $ 7,973 $ 151 $ 16,133 Special Mention 8 98 34 2 20 37 103 — 302 Accruing Substandard 11 18 7 2 19 8 99 3 167 Nonaccrual 5 36 1 2 11 1 21 5 82 Total commercial and industrial 2,678 2,572 1,246 645 544 644 8,196 159 16,684 Gross charge-offs 1 10 6 — — 2 24 2 45 Leasing Pass 104 125 47 29 45 18 — — 368 Special Mention 2 9 1 1 — — — — 13 Accruing Substandard — — — — — — — — — Nonaccrual — 2 — — — — — — 2 Total leasing 106 136 48 30 45 18 — — 383 Gross charge-offs — — — — — — — — — Owner-occupied Pass 1,080 1,945 2,020 1,002 721 1,907 212 52 8,939 Special Mention 2 5 17 5 17 15 — — 61 Accruing Substandard 10 31 29 21 16 90 2 — 199 Nonaccrual — 1 1 7 3 8 — — 20 Total owner-occupied 1,092 1,982 2,067 1,035 757 2,020 214 52 9,219 Gross charge-offs — — — — — — — — — Municipal Pass 601 1,080 1,069 623 382 512 — 3 4,270 Special Mention 7 — — — — 6 — — 13 Accruing Substandard 8 — 6 3 1 1 — — 19 Nonaccrual — — — — — — — — — Total municipal 616 1,080 1,075 626 383 519 — 3 4,302 Gross charge-offs — — — — — — — — — Total commercial 4,492 5,770 4,436 2,336 1,729 3,201 8,410 214 30,588 Total commercial gross charge-offs 1 10 6 — — 2 24 2 45 Commercial real estate: Construction and land development Pass 553 938 355 56 7 4 518 127 2,558 Special Mention — — 29 30 — — — — 59 Accruing Substandard 23 2 — 5 — — — — 30 Nonaccrual — — — — 21 — 1 — 22 Total construction and land development 576 940 384 91 28 4 519 127 2,669 Gross charge-offs — — — — 1 — — — 1 Term Pass 1,861 2,385 1,833 1,449 804 1,438 238 110 10,118 Special Mention 55 108 65 78 44 6 — — 356 Accruing Substandard 79 18 12 16 5 24 — 35 189 Nonaccrual — 26 — — 3 10 — — 39 Total term 1,995 2,537 1,910 1,543 856 1,478 238 145 10,702 Gross charge-offs — 2 — — — — — — 2 Total commercial real estate 2,571 3,477 2,294 1,634 884 1,482 757 272 13,371 Total commercial real estate gross charge-offs — 2 — — 1 — — — 3 December 31, 2023 Term Loans Revolving loans amortized cost basis Revolving loans converted to term loans amortized cost basis Amortized cost basis by year of origination (In millions) 2023 2022 2021 2020 2019 Prior Total Consumer: Home equity credit line Pass — — — — — — 3,237 97 3,334 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 4 1 5 Nonaccrual — — — — — — 15 2 17 Total home equity credit line — — — — — — 3,256 100 3,356 Gross charge-offs — — — — — — 3 — 3 1-4 family residential Pass 814 2,264 1,823 988 594 1,891 — — 8,374 Special Mention — — — — — — — — — Accruing Substandard — — — — — 1 — — 1 Nonaccrual — 3 3 3 4 27 — — 40 Total 1-4 family residential 814 2,267 1,826 991 598 1,919 — — 8,415 Gross charge-offs — — — — — 2 — — 2 Construction and other consumer real estate Pass 212 1,002 200 15 7 6 — — 1,442 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total construction and other consumer real estate 212 1,002 200 15 7 6 — — 1,442 Gross charge-offs — — — — — — — — — Bankcard and other revolving plans Pass — — — — — — 471 1 472 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 2 — 2 Nonaccrual — — — — — — — — — Total bankcard and other revolving plans — — — — — — 473 1 474 Gross charge-offs — — — — — — 9 — 9 Other consumer Pass 66 37 18 6 4 2 — — 133 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total other consumer 66 37 18 6 4 2 — — 133 Gross charge-offs — — — — — — — — — Total consumer 1,092 3,306 2,044 1,012 609 1,927 3,729 101 13,820 Total consumer gross charge-offs — — — — — 2 12 — 14 Total loans $ 8,155 $ 12,553 $ 8,774 $ 4,982 $ 3,222 $ 6,610 $ 12,896 $ 587 $ 57,779 Total gross charge-offs $ 1 $ 12 $ 6 $ — $ 1 $ 4 $ 36 $ 2 $ 62 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: Twelve Months Ended December 31, 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 $ — $ 46 $ — $ 1 $ — $ 47 0.3 % Owner-occupied 4 9 — 1 — 14 0.2 Municipal — 8 — — — 8 0.2 Total commercial 4 63 — 2 — 69 0.2 Commercial real estate: Construction and land development — 27 — — — 27 1.0 Term — 165 — — — 165 1.5 Total commercial real estate — 192 — — — 192 1.4 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 $ 256 $ 1 $ 2 $ 1 $ 264 0.5 % 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 $22 million at December 31, 2023. 3 Amounts less than 0.05% are rounded to zero. The financial impact of loan modifications to borrowers experiencing financial difficulty during the twelve months ended December 31, 2023, is summarized in the following schedule: Twelve Months Ended Weighted-average interest rate reduction (in percentage points) Weighted-average term extension Commercial: Commercial and industrial — % 13 Owner-occupied 1 4.4 18 Municipal — 12 Total commercial 4.4 14 Commercial real estate: Construction and land development — 8 Term — 18 Total commercial real estate — 16 Consumer: 1 1-4 family residential — 103 Bankcard and other revolving plans — 50 Total consumer loans — 82 Total weighted average financial impact 4.4 % 16 1 Primarily relates to a small number of loans within each respective 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 December 31, 2023, presented by portfolio segment and loan class. December 31, 2023 (In millions) Current 30-89 days 90+ days Total Total Commercial: Commercial and industrial $ 44 $ 3 $ — $ 3 $ 47 Owner-occupied 13 1 — 1 14 Municipal 8 — — — 8 Total commercial 65 4 — 4 69 Commercial real estate: Construction and land development 27 — — — 27 Term 156 9 — 9 165 Total commercial real estate 183 9 — 9 192 Consumer: 1-4 family residential 2 — — — 2 Bankcard and other revolving plans 1 — — — 1 Total consumer loans 3 — — — 3 Total $ 251 $ 13 $ — $ 13 $ 264 Information on TDRs, including their amortized cost on an accruing and nonaccruing basis by loan class, and by modification type, is summarized in the following schedules: December 31, 2022 Amortized cost basis resulting from the following modification types: (In millions) Interest Maturity Principal Payment Other 1 Multiple modification types 2 Total Accruing Commercial: Commercial and industrial $ 1 $ 12 $ — $ — $ 9 $ 28 $ 50 Owner-occupied — 1 — 2 13 12 28 Total commercial 1 13 — 2 22 40 78 Commercial real estate: Construction and land development — — — — — 8 8 Term 1 27 — 27 28 1 84 Total commercial real estate 1 27 — 27 28 9 92 Consumer: Home equity credit line — 1 4 — — 1 6 1-4 family residential 2 1 2 — 1 15 21 Total consumer loans 2 2 6 — 1 16 27 Total accruing $ 4 $ 42 $ 6 $ 29 $ 51 $ 65 $ 197 Nonaccruing Commercial: Commercial and industrial $ — $ — $ — $ 3 $ 9 $ 3 $ 15 Owner-occupied 4 — — — — 4 8 Total commercial 4 — — 3 9 7 23 Commercial real estate: Term — 10 — — — — 10 Total commercial real estate — 10 — — — — 10 Consumer: Home equity credit line — — 1 — — — 1 1-4 family residential — 1 — — 1 2 4 Total consumer loans — 1 1 — 1 2 5 Total nonaccruing 4 11 1 3 10 9 38 Total $ 8 $ 53 $ 7 $ 32 $ 61 $ 74 $ 235 1 Includes TDRs that resulted from other modification types including, but not limited to, a legal judgment awarded on different terms, a bankruptcy plan confirmed on different terms, a settlement that includes the delivery of collateral in exchange for debt reduction, etc. 2 Includes TDRs that resulted from a combination of any of the previous modification types.
Summary of Collateral-Dependent Loans	Select information on loans for which the repayment is expected to be provided substantially through the operation or sale of the underlying collateral and the borrower is experiencing financial difficulties, including the type of collateral and the extent to which the collateral secures the loans, is summarized as follows: December 31, 2023 (In millions) Amortized Cost Major Types of Collateral Weighted Average LTV 1 Commercial: Owner-occupied $ 7 Hospital 17% Commercial real estate: Construction and land development 22 Office Building 92% Term 28 Office Building 87% Total $ 57 December 31, 2022 (In millions) Amortized Cost Major Types of Collateral Weighted Average LTV 1 Commercial: Owner-occupied $ 2 Land, Warehouse 29% Commercial real estate: Term 1 Multi-family 55% Consumer: Home equity credit line 1 Single family residential 13% 1-4 family residential 3 Single family residential 41% Total $ 7 1 The fair value is based on the most recent appraisal or other collateral evaluation.

Derivative Instruments and He_2

Derivative Instruments and Hedging Activities (Tables)	12 Months Ended
	Dec. 31, 2023
Summary of Derivative Instruments [Abstract]
Schedule of Derivative Amounts	The following schedule presents derivative notional amounts and recorded gross fair values at December 31, 2023 and 2022: December 31, 2023 December 31, 2022 Notional Fair value Notional Fair value (In millions) Other Other Other Other Derivatives designated as hedging instruments: Cash flow hedges of floating-rate assets: Receive-fixed interest rate swaps 1,450 — — 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 1 4,571 78 — 1,228 84 — Total derivatives designated as hedging instruments 6,521 78 — 9,361 84 1 Derivatives not designated as hedging instruments: Customer interest rate derivatives 2 14,375 337 330 13,670 296 443 Other interest rate derivatives 1,001 1 — 862 — — Foreign exchange derivatives 216 3 3 605 6 7 Purchased credit derivatives 35 1 — — — — Total derivatives not designated as hedging instruments 15,627 342 333 15,137 302 450 Total derivatives $ 22,148 $ 420 $ 333 $ 24,498 $ 386 $ 451 1 The notional amount includes forward starting swaps that are not yet effective. 2 Customer interest rate derivatives include both customer-facing derivatives and the offsetting, dealer-facing derivatives. Customer interest rate derivatives include a net CVA of $9 million and $13 million, reducing the fair value amount at December 31, 2023, and December 31, 2022, respectively. These adjustments are required to reflect both our nonperformance risk and that of the respective counterparty.
Schedule of Derivative Gains (Losses) Deferred in OCI or Recognized in Earnings	The following schedules present the amount of gains (losses) from derivative instruments designated as cash flow and fair value hedges that were deferred in OCI or recognized in earnings for years ended December 31, 2023 and 2022: Year Ended December 31, 2023 (In millions) Effective portion of derivative gain/(loss) deferred in AOCI Amount of gain/(loss) reclassified from AOCI into income Net interest income or expense 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 31 (170) — — Cash flow hedges of floating-rate liabilities: Pay-fixed interest rate swaps 4 5 — — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — (5) — Basis amortization on terminated hedges 2, 3 — — (4) — Fair value hedges of assets: Pay-fixed interest rate swaps — — 57 — Basis amortization on terminated hedges 2, 3 — — 1 — Total derivatives designated as hedging instruments $ 35 $ (165) $ 49 $ — Year Ended December 31, 2022 (In millions) Effective portion of derivative gain/(loss) deferred in AOCI Amount of gain/(loss) reclassified from AOCI into income Net interest income or expense on fair value hedges Hedge ineffectiveness / AOCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Purchased interest rate floors $ — $ 2 $ — $ — Interest rate swaps (437) (29) — — Fair value hedges of liabilities: Receive-fixed interest rate swaps — — (1) — Basis amortization on terminated hedges 2, 3 — — 1 — Fair value hedges of assets: Pay-fixed interest rate swaps — — 4 (1) Basis amortization on terminated hedges 2, 3 — — — — Total derivatives designated as hedging instruments $ (437) $ (27) $ 4 $ (1) 1 For the 12 months following December 31, 2023, we estimate that $118 million of net losses from active and terminated cash flow hedges will be reclassified from AOCI into interest income/expense, compared with an estimate of $205 million at December 31, 2022. 2 Adjustment to interest income or expense resulting from the amortization of the basis adjustment from previously terminated hedging relationships. 3 The cumulative unamortized basis adjustment from previously terminated or redesignated fair value hedges at December 31, 2023 was $46 million and $3 million of terminated fair value debt and asset hedges, respectively, compared with zero and $10 million at December 31, 2022.
Schedule of Gains (Losses) Recognized From Derivatives Not Designated As Accounting Hedges	The following schedule presents the amount of gains (losses) recognized from derivatives not designated as accounting hedges: Other Noninterest (In millions) 2023 2022 Derivatives not designated as hedging instruments: Customer interest rate derivatives $ 17 $ 43 Other interest rate derivatives 4 — Foreign exchange derivatives 29 29 Purchased credit derivatives (1) — Total derivatives not designated as hedging instruments $ 49 $ 72
Schedule of Fair Value Hedges	The following schedule presents derivatives used in fair value hedge accounting relationships, as well as pre-tax gains/(losses) recorded on such derivatives and the related hedged items for the periods presented: Gain/(loss) recorded in income Twelve Months Ended Twelve Months Ended (In millions) Derivatives 2 Hedged items Total income statement impact Derivatives 2 Hedged items Total income statement impact Debt: Receive-fixed interest rate swaps 1,2 $ 14 $ (14) $ — $ (79) $ 79 $ — Assets: Pay-fixed interest rate swaps 1,2 (22) 22 — 224 (225) (1) 1 Consists of hedges of benchmark interest rate risk of fixed-rate long-term debt and fixed-rate AFS securities. Gains and losses were recorded in interest expense or income consistent with the hedged items. 2 The income/expense for derivatives does not reflect interest income/expense from periodic accruals and payments to be consistent with the presentation of the gains/(losses) on the hedged items. Periodic interest income/expense for fair value hedges is shown in a separate schedule above.
Schedule of Basis Adjustments for Hedged Items	The following schedule provides information regarding basis adjustments for hedged items: Par value of hedged assets/(liabilities) Carrying amount of the hedged assets/(liabilities) Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets/(liabilities) (In millions) 2023 2022 2023 2022 2023 2022 Long-term fixed-rate debt 1,2 $ — $ (500) $ — $ (435) $ — $ 65 Fixed-rate AFS securities 1,3 12,389 1,228 12,209 962 (180) (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 December 31, 2023, the amortized cost basis of the defined portfolios used in these hedging relationships was $11.3 billion; the cumulative basis adjustment associated with these hedging relationships was $16 million, and the notional amounts of the designated hedging instruments were $3.5 billion.

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2023
Leases [Abstract]
Lease Related Assets and Liabilities	The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate: December 31, (Dollar amounts in millions) 2023 2022 Operating leases ROU assets, net of amortization $ 172 $ 173 Lease liabilities 198 198 Finance leases ROU assets, net of amortization 3 4 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.7 8.4 Finance leases 16.5 17.4 Weighted average discount rate Operating leases 3.4 % 2.9 % Finance leases 3.1 % 3.1 %
Lease Expense	The following schedule presents additional information related to lease expense: Year Ended December 31, (In millions) 2023 2022 2021 Lease expense: Operating lease expense $ 43 $ 46 $ 47 Other expenses associated with operating leases 1 60 51 50 Total lease expense $ 103 $ 97 $ 97 Related cash disbursements for operating leases $ 49 $ 50 $ 50 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 2024 $ 43 2025 36 2026 31 2027 22 2028 17 Thereafter 85 Total lease payments $ 234 Less imputed interest 36 Total $ 198

Premises, Equipment and Softw_2

Premises, Equipment and Software (Tables)	12 Months Ended
	Dec. 31, 2023
Property, Plant and Equipment [Abstract]
Schedule of Premises, Equipment and Software, Net	Net premises, equipment, and software are summarized as follows: (In millions) December 31, 2023 2022 Land $ 269 $ 264 Buildings 959 943 Furniture and equipment 336 346 Leasehold improvements 137 151 Software 749 730 Total premises, equipment, and software 1 2,450 2,434 Less accumulated depreciation and amortization 1,050 1,026 Net book value $ 1,400 $ 1,408 1 The totals for 2023 and 2022 include $40 million and $298 million, respectively, of costs that have been capitalized, but are not yet depreciating because the respective assets have not been placed in service.

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Goodwill	The following schedule presents the carrying amount of goodwill for our business segments with goodwill, as well as the balance of our core deposits and other intangible assets, net of related accumulated amortization: December 31, (In millions) 2023 2022 Goodwill: Amegy $ 615 $ 615 CB&T 379 379 Zions Bank 20 20 Nevada State Bank 13 13 Total goodwill $ 1,027 $ 1,027 Core deposits and other intangibles, net of accumulated amortization 32 38 Total goodwill and intangibles $ 1,059 $ 1,065

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2023
Deposits [Abstract]
Deposits By Category	The following schedule presents the composition of our deposits: December 31, (Dollar amounts in millions) 2023 2022 Noninterest-bearing demand $ 26,244 $ 35,777 Interest-bearing: Savings and money market 38,721 33,566 Time 9,996 2,309 Total deposits $ 74,961 $ 71,652
Schedule of Maturities of All Time Deposits	At December 31, 2023, the aggregate amount of all time deposits by maturity were as follows: (In millions) Amount 2024 $ 9,798 2025 117 2026 38 2027 22 2028 20 Thereafter 1 Total $ 9,996 The scheduled maturities of time deposits that exceed $250,000 were as follows: (In millions) December 31, 2023 Three months or less $ 576 After three months through six months 1,033 After six months through twelve months 745 After twelve months 57 Total $ 2,411

Short-Term Borrowings (Tables)

Short-Term Borrowings (Tables)	12 Months Ended
	Dec. 31, 2023
Short-Term Debt [Abstract]
Summary of Short-Term Borrowings	The following schedule presents selected information for FHLB advances and other short-term borrowings: (Dollar amounts in millions) 2023 2022 Federal Home Loan Bank advances Average amount outstanding $ 4,208 $ 1,257 Average rate 5.73 % 3.67 % Highest month-end balance $ 11,525 $ 7,100 Year-end balance 1,525 7,100 Average rate on outstanding advances at year-end 5.59 % 4.43 % Other short-term borrowings, year-end balances Federal funds purchased $ 597 $ 232 Security repurchase agreements 1,814 2,898 Securities sold, not yet purchased 65 187 Swap margin collateral received 1 378 — Total federal funds and other short-term borrowings $ 4,379 $ 10,417 1 At December 31, 2022, swap margin collateral received totaled $368 million and was included in “Other liabilities” on the consolidated balance sheet. Beginning in 2023, these balances were included in “Federal funds and other short-term borrowings” on the consolidated balance sheet.

Long-Term Debt (Tables)

Long-Term Debt (Tables)	12 Months Ended
	Dec. 31, 2023
Long-Term Debt, Unclassified [Abstract]
Schedule of Long-Term Debt	Long-term debt is summarized as follows: December 31, (In millions) 2023 2022 Subordinated notes $ 538 $ 519 Senior notes — 128 Finance lease obligations 4 4 Total $ 542 $ 651
Schedule of Subordinated Notes	The following schedule presents our subordinated notes outstanding at December 31, 2023: (Dollar amounts in millions) Subordinated notes Coupon rate Balance Par amount Maturity 6.95% $ 88 $ 88 September 2028 3.25% 450 500 October 2029 Total $ 538 $ 588
Schedule of Maturities of Long-term Debt	The following schedule presents our long-term debt by maturity for each of the next five years: (In millions) Par amount 1 2024 $ — 2025 — 2026 — 2027 — 2028 88 Thereafter 500 Total $ 588 1 Does not include basis adjustments related to terminated or active fair value hedges.

Shareholders' Equity (Tables)

Shareholders' Equity (Tables)	12 Months Ended
	Dec. 31, 2023
Equity [Abstract]
Summary of Preferred Stock	The following schedule summarizes key aspects of our preferred stock: (Dollar amounts in millions) Carrying value at Shares at Dividends payable Earliest 2023 2022 Authorized Outstanding Rate Series A $ 67 $ 67 140,000 66,139 > of 4.0% or 3M Term SOFR + 0.78% Qtrly Mar, Jun, Sep, Dec Dec 15, 2011 Series G 138 138 200,000 138,390 annual floating rate = 3M Term SOFR + 4.50% Qtrly Mar, Jun, Sep, Dec Mar 15, 2023 Series I 99 99 300,893 98,555 annual floating rate = 3M Term SOFR + 4.06% Qtrly Mar, Jun, Sep, Dec Jun 15, 2023 Series J 136 136 195,152 136,368 annual floating rate = 3M Term SOFR + 4.70% Qtrly Mar, Jun, Sep, Dec Sep 15, 2023 Total $ 440 $ 440
Schedule of Changes in Accumulated Other Comprehensive Income	The following schedule presents the changes in AOCI: (In millions) Net unrealized gains (losses) on investment securities Net unrealized gains (losses) on derivatives and other Pension and post-retirement Total 2023 Balance at December 31, 2022 $ (2,800) $ (311) $ (1) $ (3,112) Other comprehensive income before reclassifications, net of tax 66 22 — 88 Amounts reclassified from AOCI, net of tax 208 124 — 332 Other comprehensive income 274 146 — 420 Balance at December 31, 2023 $ (2,526) $ (165) $ (1) $ (2,692) Income tax expense included in other comprehensive income $ 90 $ 47 $ — $ 137 2022 Balance at December 31, 2021 $ (78) $ — $ (2) $ (80) Other comprehensive loss before reclassifications, net of tax (2,762) (332) 1 (3,093) Amounts reclassified from AOCI, net of tax 40 21 — 61 Other comprehensive income (loss) (2,722) (311) 1 (3,032) Balance at December 31, 2022 $ (2,800) $ (311) $ (1) $ (3,112) Income tax benefit included in other comprehensive loss $ (888) $ (101) $ — $ (989)
Schedule of Reclassification out of Accumulated Other Comprehensive Income	(In millions) Amounts reclassified from AOCI 1 Affected line item AOCI components 2023 2022 2021 Net unrealized gains (losses) on investment securities $ (276) $ (53) $ — Securities gains (losses), net Less: Income tax expense (benefit) (68) (13) — $ (208) $ (40) $ — Net unrealized gains (losses) on derivative instruments $ (165) $ (27) $ 61 Interest and fees on loans; Interest on short- and long-term borrowings Less: Income tax expense (benefit) (41) (6) 15 $ (124) $ (21) $ 46 1 Positive reclassification amounts indicate increases to earnings on the statement of income.

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2023
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Summary of Actual Capital Amounts and Capital Ratios	The following schedule presents our capital amounts and ratios and the minimum requirements to be well-capitalized under Basel III at December 31, 2023 and 2022: (Dollar amounts in millions) December 31, 2023 Minimum requirement to be “well-capitalized” Amount Ratio Amount Ratio Basel III Regulatory Capital Amounts and Ratios Common equity Tier 1 capital (to risk-weighted assets) $ 6,863 10.3 % $ 4,351 6.5 % Tier 1 capital (to risk-weighted assets) 7,303 10.9 5,355 8.0 Total capital (to risk-weighted assets) 8,553 12.8 6,693 10.0 Tier 1 leverage ratio 7,303 8.3 4,379 5.0 December 31, 2022 Minimum requirement to be “well-capitalized” (Dollar amounts in millions) Amount Ratio Amount Ratio Basel III Regulatory Capital Amounts and Ratios Common equity Tier 1 capital (to risk-weighted assets) $ 6,481 9.8 % $ 4,297 6.5 % Tier 1 capital (to risk-weighted assets) 6,921 10.5 5,289 8.0 Total capital (to risk-weighted assets) 8,077 12.2 6,611 10.0 Tier 1 leverage ratio 6,921 7.7 4,472 5.0 December 31, 2023 Minimum capital requirement Capital conservation buffer Minimum capital ratio requirement with capital conservation buffer Current capital CET1 to risk-weighted assets 4.5 % 2.5 % 7.0 % 10.3 % Tier 1 capital (i.e., CET1 plus additional Tier 1 capital) to risk-weighted assets 6.0 2.5 8.5 10.9 Total capital (i.e., Tier 1 capital plus Tier 2 capital) to risk-weighted assets 8.0 2.5 10.5 12.8 Tier 1 capital to average consolidated assets (known as the “Tier 1 leverage ratio”) 4.0 N/A 4.0 8.3

Commitments, Guarantees, Cont_2

Commitments, Guarantees, Contingent Liabilities, and Related Parties (Tables)	12 Months Ended
	Dec. 31, 2023
Guarantees, Commitments And Contingencies [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: December 31, (In millions) 2023 2022 Unfunded lending commitments 1 $ 28,940 $ 29,628 Standby letters of credit: Financial 548 667 Performance 206 184 Commercial letters of credit 22 11 Mortgage-backed security purchase agreements 2 66 23 Total unfunded commitments $ 29,782 $ 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)	12 Months Ended
	Dec. 31, 2023
Revenue Recognition and Deferred Revenue [Abstract]
Disaggregation of Revenue	The following schedule presents total net revenue by operating business segment: Zions Bank CB&T Amegy (In millions) 2023 2022 2021 2023 2022 2021 2023 2022 2021 Commercial account fees $ 55 $ 53 $ 46 $ 32 $ 28 $ 25 $ 56 $ 46 $ 40 Card fees 52 55 58 21 20 17 31 33 29 Retail and business banking fees 19 22 22 11 12 12 14 16 15 Capital markets fees — — — — — — — — — Wealth management fees 23 22 21 4 4 5 17 15 13 Other customer-related fees 8 8 7 7 6 4 7 7 6 Total noninterest income from contracts with customers (ASC 606) 157 160 154 75 70 63 125 117 103 Other noninterest income (non-ASC 606 customer-related) 24 19 21 35 34 34 37 40 36 Total customer-related noninterest income 181 179 175 110 104 97 162 157 139 Other noncustomer-related noninterest income 11 5 10 6 4 5 22 1 2 Total noninterest income 192 184 185 116 108 102 184 158 141 Net interest income 696 741 633 598 595 536 453 513 462 Total net revenue $ 888 $ 925 $ 818 $ 714 $ 703 $ 638 $ 637 $ 671 $ 603 NBAZ NSB Vectra (In millions) 2023 2022 2021 2023 2022 2021 2023 2022 2021 Commercial account fees $ 10 $ 9 $ 7 $ 12 $ 11 $ 9 $ 7 $ 8 $ 7 Card fees 15 15 11 16 15 12 9 9 6 Retail and business banking fees 8 9 9 10 10 10 4 4 4 Capital markets fees — — — — — — — — — Wealth management fees 3 3 3 5 5 4 1 1 2 Other customer-related fees 1 2 1 1 1 1 4 3 2 Total noninterest income from contracts with customers (ASC 606) 37 38 31 44 42 36 25 25 21 Other noninterest income (non-ASC 606 customer-related) 2 8 13 1 6 14 3 6 12 Total customer-related noninterest income 39 46 44 45 48 50 28 31 33 Other noncustomer-related noninterest income 1 2 2 — — — — — — Total noninterest income 40 48 46 45 48 50 28 31 33 Net interest income 260 241 204 191 183 146 150 153 136 Total net revenue $ 300 $ 289 $ 250 $ 236 $ 231 $ 196 $ 178 $ 184 $ 169 TCBW Other Consolidated Bank (In millions) 2023 2022 2021 2023 2022 2021 2023 2022 2021 Commercial account fees $ 2 $ 2 $ 2 $ — $ 2 $ 1 $ 174 $ 159 $ 137 Card fees 2 2 1 — — 1 146 149 135 Retail and business banking fees — — — — — 1 66 73 73 Capital markets fees — — — 4 4 6 4 4 6 Wealth management fees 1 — — (1) 1 (2) 53 51 46 Other customer-related fees 1 1 1 31 31 30 60 59 52 Total noninterest income from contracts with customers (ASC 606) 6 5 4 34 38 37 503 495 449 Other noninterest income (non-ASC 606 customer-related) 1 2 2 14 4 (6) 117 119 126 Total customer-related noninterest income 7 7 6 48 42 31 620 614 575 Other noncustomer-related noninterest income — — — 17 6 109 57 18 128 Total noninterest income 7 7 6 65 48 140 677 632 703 Net interest income 60 63 53 30 31 38 2,438 2,520 2,208 Total net revenue $ 67 $ 70 $ 59 $ 95 $ 79 $ 178 $ 3,115 $ 3,152 $ 2,911

Share-Based Compensation (Table

Share-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2023
Share-Based Payment Arrangement [Abstract]
Compensation Expense and Related Tax Benefit for All Share-Based Awards	The following schedule presents compensation expense and the related tax benefit for all share-based awards: (In millions) 2023 2022 2021 Compensation expense $ 33 $ 30 $ 28 Reduction of income tax expense 9 11 11
Summary of Weighted Average Value at Grant Date and the Significant Assumptions Used in Applying the Black-Scholes Model for Options Granted	The following schedule summarizes the weighted average value at grant date and the significant assumptions used in applying the Black-Scholes model for options granted: 2023 2022 2021 Weighted average value for options granted $ 11.23 $ 15.16 $ 7.86 Weighted average assumptions used: Expected dividend yield 3.0 % 2.3 % 2.5 % Expected volatility 27.0 % 27.0 % 25.0 % Risk-free interest rate 4.00 % 1.98 % 0.47 % Expected life (in years) 4.5 5.0 5.0
Summary of Stock Option Activity	The following schedule summarizes our stock option activity for the three years ended December 31, 2023: Number of shares Weighted average exercise price Balance at December 31, 2020 1,683,657 $ 38.26 Granted 345,636 48.65 Exercised (686,894) 31.08 Expired (7,910) 42.16 Forfeited (6,345) 48.04 Balance at December 31, 2021 1,328,144 44.60 Granted 201,932 73.02 Exercised (256,004) 36.79 Expired (8,912) 37.58 Forfeited (2,794) 57.75 Balance at December 31, 2022 1,262,366 50.75 Granted 291,005 52.90 Exercised (95,207) 29.67 Expired (27,948) 35.41 Forfeited (9,838) 57.07 Balance at December 31, 2023 1,420,378 52.83 Outstanding stock options exercisable as of: December 31, 2023 891,884 $ 50.36 December 31, 2022 729,411 46.02 December 31, 2021 693,883 41.54
Summary of Additional Selected Information on Stock Options	The following schedule presents additional selected information on stock options at December 31, 2023: Outstanding stock options Exercisable stock options Exercise price range Number of shares Weighted average exercise price Weighted average remaining contractual life (years) Number of shares Weighted average exercise price $4.15 to $19.99 5,223 $ 6.41 1 0 5,223 $ 6.41 $25.00 to $29.99 452 29.12 3.8 452 29.12 $40.00 to $44.99 73,077 44.18 0.2 73,077 44.18 $45.00 to $49.99 558,629 47.34 3.6 446,660 47.01 $50.00 to $59.99 587,155 52.78 3.8 301,194 52.67 $60.00 to $73.22 195,842 73.19 5.0 65,278 73.19 1,420,378 52.83 1 3.7 891,884 50.36 1 The weighted average remaining contractual life excludes 5,223 stock options without a fixed expiration date that were assumed with the Amegy acquisition. They expire between the date of termination and one year from the date of termination, depending upon certain circumstances.
Summary of Nonvested Restricted Stock Activity	The following schedule summarizes our restricted stock activity for the three years ended December 31, 2023: Number of shares Weighted average fair value Nonvested restricted shares at December 31, 2020 57,396 $ 44.20 Issued 26,083 39.16 Vested (18,663) 43.89 Nonvested restricted shares at December 31, 2021 64,816 42.26 Issued 21,038 60.21 Vested (25,105) 42.66 Nonvested restricted shares at December 31, 2022 60,749 48.31 Issued — — Vested (24,978) 46.31 Nonvested restricted shares at December 31, 2023 35,771 49.71
Summary of RSU Activity	The following schedule summarizes our RSU activity for the three years ended December 31, 2023: Number of restricted stock units Weighted average fair value Restricted stock units at December 31, 2020 1,242,321 $ 46.31 Granted 578,056 47.02 Vested (505,690) 46.51 Forfeited (40,604) 47.97 Restricted stock units at December 31, 2021 1,274,083 46.49 Granted 433,674 68.07 Vested (504,358) 47.83 Forfeited (34,306) 56.58 Restricted stock units at December 31, 2022 1,169,093 53.62 Granted 727,019 48.85 Vested (522,163) 48.71 Forfeited (44,004) 56.19 Restricted stock units at December 31, 2023 1,329,945 52.88

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2023
Income Tax Disclosure [Abstract]
Schedule of Income Tax Expense (Benefit)	The following schedule presents the major components of our income tax expense: (In millions) 2023 2022 2021 Federal: Current $ 168 $ 236 $ 230 Deferred — (38) 27 Total Federal 168 198 257 State: Current 47 52 55 Deferred (9) (5) 5 Total State 38 47 60 Total income tax expense $ 206 $ 245 $ 317
Schedule of Statutory Federal Income Tax Rate Reconciles to Actual Income Tax Expense (Benefit)	The following schedule presents a reconciliation of income tax expense computed at the statutory federal income tax rate of 21% and the actual income tax expense: (In millions) 2023 2022 2021 Income tax expense at statutory federal rate $ 186 $ 242 $ 304 State income taxes including credits, net 31 38 48 Other nondeductible expenses 29 13 8 Nontaxable income (41) (40) (36) Share-based compensation (1) (4) (3) Other 2 (4) (4) Total income tax expense $ 206 $ 245 $ 317
Schedule of Tax Effects of Deferred Tax Assets and Deferred Tax Liabilities	The following schedule presents the tax effects of temporary differences that give rise to significant portions of DTAs and DTLs: (In millions) December 31, 2023 2022 Gross deferred tax assets: Book loan loss deduction in excess of tax $ 181 $ 157 Deferred compensation 81 83 Security investments and derivative fair value adjustments 879 1,011 Lease liabilities 50 49 Capitalized costs 37 82 Other 48 29 Total deferred tax assets before valuation allowance 1,276 1,411 Valuation allowance — — Total deferred tax assets 1,276 1,411 Gross deferred tax liabilities: Premises and equipment, due to differences in depreciation (101) (99) Federal Home Loan Bank stock dividends (3) (2) Leasing operations (49) (49) Prepaid expenses (5) (5) Prepaid pension reserves — (3) Mortgage servicing (5) (12) Deferred loan costs (34) (34) ROU assets (43) (44) Qualified opportunity fund deferred gains (27) (26) Equity investments (10) (9) Total deferred tax liabilities (277) (283) Net deferred tax assets (liabilities) $ 999 $ 1,128
Schedule of Reconciliation of Gross Unrecognized Tax Benefits	The following schedule presents a roll-forward of gross unrecognized tax benefits: (In millions) 2023 2022 2021 Balance at beginning of year $ 13 $ 14 $ 11 Tax positions related to current year: Additions 2 2 2 Tax positions related to prior years: Additions 10 — 1 Reductions — (1) — Settlements with taxing authorities (3) — — Lapses in statutes of limitations (7) (2) — Balance at end of year $ 15 $ 13 $ 14

Net Earnings Per Common Share (

Net Earnings Per Common Share (Tables)	12 Months Ended
	Dec. 31, 2023
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Diluted, by Common Class, Including Two Class Method	The following schedule summarizes the basic and diluted net earnings per common share based on the weighted average outstanding shares: (In millions, except shares and per share amounts) 2023 2022 2021 Basic: Net income $ 680 $ 907 $ 1,129 Less common and preferred dividends 277 269 261 Less impact from redemption of preferred stock — — 3 Undistributed earnings 403 638 865 Less undistributed earnings applicable to nonvested shares 4 5 7 Undistributed earnings applicable to common shares 399 633 858 Distributed earnings applicable to common shares 243 237 230 Total earnings applicable to common shares $ 642 $ 870 $ 1,088 Weighted average common shares outstanding (in thousands) 147,748 150,064 159,913 Net earnings per common share $ 4.35 $ 5.80 $ 6.80 Diluted: Total earnings applicable to common shares $ 642 $ 870 $ 1,088 Weighted average common shares outstanding (in thousands) 147,748 150,064 159,913 Dilutive effect of stock options (in thousands) 8 207 321 Weighted average diluted common shares outstanding (in thousands) 147,756 150,271 160,234 Net earnings per common share $ 4.35 $ 5.79 $ 6.79
Schedule of Weighted Average Number of Shares	The following schedule presents the weighted average stock awards that were anti-dilutive and not included in the calculation of diluted earnings per share: (In thousands) 2023 2022 2021 Restricted stock and restricted stock units $ 1,383 $ 1,265 $ 1,374 Stock options 1,409 178 74

Operating Segment Information (

Operating Segment Information (Tables)	12 Months Ended
	Dec. 31, 2023
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment	The following schedule presents selected operating segment information: (In millions) Zions Bank CB&T Amegy 2023 2022 2021 2023 2022 2021 2023 2022 2021 SELECTED INCOME STATEMENT DATA Net interest income $ 696 $ 741 $ 633 $ 598 $ 595 $ 536 $ 453 $ 513 $ 462 Provision for credit losses 20 43 (26) 44 49 (78) 15 5 (96) Net interest income after provision for credit losses 676 698 659 554 546 614 438 508 558 Noninterest income 192 184 185 116 108 102 184 158 141 Noninterest expense 557 495 464 388 340 311 404 355 337 Income (loss) before income taxes $ 311 $ 387 $ 380 $ 282 $ 314 $ 405 $ 218 $ 311 $ 362 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 14,298 $ 13,277 $ 13,198 $ 14,128 $ 13,129 $ 12,892 $ 12,851 $ 12,110 $ 12,189 Total average deposits 20,233 24,317 23,588 14,253 16,160 15,796 13,569 15,735 15,496 (In millions) NBAZ NSB Vectra 2023 2022 2021 2023 2022 2021 2023 2022 2021 SELECTED INCOME STATEMENT DATA Net interest income $ 260 $ 241 $ 204 $ 191 $ 183 $ 146 $ 150 $ 153 $ 136 Provision for credit losses 4 11 (27) 42 4 (35) 7 9 (12) Net interest income after provision for credit losses 256 230 231 149 179 181 143 144 148 Noninterest income 40 48 46 45 48 50 28 31 33 Noninterest expense 189 167 151 171 151 142 137 120 114 Income (loss) before income taxes $ 107 $ 111 $ 126 $ 23 $ 76 $ 89 $ 34 $ 55 $ 67 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 5,318 $ 4,911 $ 4,849 $ 3,392 $ 2,987 $ 3,015 $ 4,004 $ 3,632 $ 3,414 Total average deposits 7,008 8,035 7,288 6,964 7,436 6,691 3,482 4,109 4,386 (In millions) TCBW Other Consolidated Bank 2023 2022 2021 2023 2022 2021 2023 2022 2021 SELECTED INCOME STATEMENT DATA Net interest income $ 60 $ 63 $ 53 $ 30 $ 31 $ 38 $ 2,438 $ 2,520 $ 2,208 Provision for credit losses 2 1 (3) (2) — 1 132 122 (276) Net interest income after provision for credit losses 58 62 56 32 31 37 2,306 2,398 2,484 Noninterest income 7 7 6 65 48 140 677 632 703 Noninterest expense 27 24 21 224 226 201 2,097 1,878 1,741 Income (loss) before income taxes $ 38 $ 45 $ 41 $ (127) $ (147) $ (24) $ 886 $ 1,152 $ 1,446 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 1,705 $ 1,630 $ 1,569 $ 1,044 $ 922 $ 857 $ 56,740 $ 52,598 $ 51,983 Total average deposits 1,196 1,571 1,537 6,161 1,166 1,475 72,866 78,529 76,257

Quarterly Financial Informati_2

Quarterly Financial Information (Unaudited) (Tables)	12 Months Ended
	Dec. 31, 2023
Quarterly Financial Information Disclosure [Abstract]
Schedule of Financial Information by Quarter	The following schedule presents quarterly financial information for 2023 and 2022: (In millions, except per share amounts) Fourth Quarter Third Quarter Second Quarter First Quarter 2023 Total interest income $ 1,040 $ 1,010 $ 977 $ 920 Net interest income 583 585 591 679 Provision for credit losses — 41 46 45 Noninterest income 148 180 189 160 Noninterest expense 581 496 508 512 Income before income taxes 150 228 226 282 Net income 126 175 175 204 Preferred stock dividends 10 7 9 6 Net earnings applicable to common shareholders 116 168 166 198 Net earnings per common share: Basic 0.78 1.13 1.11 1.33 Diluted 0.78 1.13 1.11 1.33 2022 Total interest income $ 835 $ 707 $ 608 $ 555 Net interest income 720 663 593 544 Provision for credit losses 43 71 41 (33) Noninterest income 153 165 172 142 Noninterest expense 471 479 464 464 Income before income taxes 359 278 260 255 Net income 284 217 203 203 Preferred stock dividends 7 6 8 8 Net earnings applicable to common shareholders 277 211 195 195 Net earnings per common share: Basic 1.84 1.40 1.29 1.27 Diluted 1.84 1.40 1.29 1.27

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Details) $ in Millions	12 Months Ended
	Dec. 31, 2023 USD ($) state segment	Dec. 31, 2022 USD ($)
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Number of states in which entity operates | state	11
Number of community regional banks operating in distinct geographical areas | segment	7
Securities for which entity has right to sell or repledge	$ 877	$ 2,300
Security resell agreements average amount	1,300	2,400
Security resell agreements maximum amount, outstanding	$ 2,000	$ 2,700
Percentage of acquired assets and all assumed liabilities recognized in business combination	100%
Minimum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Security resell agreements maturity (in days)	30 days
Minimum | Building
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Estimated useful lives of properties (in years)	25 years
Minimum | Furniture and Equipment
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Estimated useful lives of properties (in years)	3 years
Minimum | Software
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Estimated useful lives of properties (in years)	3 years
Maximum | Building
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Estimated useful lives of properties (in years)	40 years
Maximum | Furniture and Equipment
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Estimated useful lives of properties (in years)	10 years
Maximum | Software
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Estimated useful lives of properties (in years)	10 years

Fair Value (Schedule of Assets

Fair Value (Schedule of Assets and Liabilities Measured at Fair Value by Class on a Recurring Basis) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Investment securities, available-for-sale	$ 10,300	$ 11,915
Trading securities	48	465
Agriculture loan servicing	19	14
Loans held for sale	43
Total assets	11,602	13,525
LIABILITIES
Securities sold, not yet purchased	65	187
Total liabilities	398	638
U.S. Treasury, agencies, and corporations
ASSETS
Investment securities, available-for-sale	8,959	10,208
Municipal securities
ASSETS
Investment securities, available-for-sale	1,318	1,634
Other debt securities
ASSETS
Investment securities, available-for-sale	23	73
Bank-owned life insurance
ASSETS
Other noninterest-bearing investments	553	546
Private equity investments 1
ASSETS
Other noninterest-bearing investments	95	85
Derivatives
ASSETS
Other assets	420	386
LIABILITIES
Other liabilities	333	451
Loans held for sale
ASSETS
Other assets	43
Level 1
ASSETS
Investment securities, available-for-sale	492	393
Trading securities		395
Agriculture loan servicing
Total assets	619	906
LIABILITIES
Securities sold, not yet purchased	65	187
Total liabilities	65	187
Level 1 | U.S. Treasury, agencies, and corporations
ASSETS
Investment securities, available-for-sale	492	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 1
ASSETS
Other noninterest-bearing investments	3	4
Level 1 | Derivatives
ASSETS
Other assets
LIABILITIES
Other liabilities
Level 2
ASSETS
Investment securities, available-for-sale	9,808	11,522
Trading securities	48	70
Agriculture loan servicing
Loans held for sale	43
Total assets	10,872	12,524
LIABILITIES
Securities sold, not yet purchased	0	0
Total liabilities	333	451
Level 2 | U.S. Treasury, agencies, and corporations
ASSETS
Investment securities, available-for-sale	8,467	9,815
Level 2 | Municipal securities
ASSETS
Investment securities, available-for-sale	1,318	1,634
Level 2 | Other debt securities
ASSETS
Investment securities, available-for-sale	23	73
Level 2 | Bank-owned life insurance
ASSETS
Other noninterest-bearing investments	553	546
Level 2 | Private equity investments 1
ASSETS
Other noninterest-bearing investments
Level 2 | Derivatives
ASSETS
Other assets	420	386
LIABILITIES
Other liabilities	333	451
Level 3
ASSETS
Investment securities, available-for-sale	0	0
Trading securities
Agriculture loan servicing	19	14
Total assets	111	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 1
ASSETS
Other noninterest-bearing investments	92	81
Level 3 | Derivatives
ASSETS
Other assets
LIABILITIES
Other liabilities
Deferred compensation plan assets
ASSETS
Other assets	124	114
Deferred compensation plan assets | Level 1
ASSETS
Other assets	124	114
Deferred compensation plan assets | Level 2
ASSETS
Other assets
Deferred compensation plan assets | Level 3
ASSETS
Other assets

Fair Value (Schedule of Asset_2

Fair Value (Schedule of Assets and Liabilities Measured at Fair Value by Class on a Recurring Basis Using Level 3 Inputs) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Debt And Equity Securities, Unrealized Gain (Loss)
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Securities gains (losses), net	Securities gains (losses), net
Other Noninterest Expense
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Other	Other
Level 3
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Unrealized securities gains (losses), net and Other noninterest income (expense)	$ (1)	$ (2)	$ 31
Level 3 | Private equity investments 1
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at beginning of year	81	66	80
Purchases	14	16	17
Cost of investments sold	(1)	(3)	(24)
Redemptions and paydowns	0	0	0
Transfers out	0	(1)	(78)
Balance at end of year	92	81	66
Level 3 | Private equity investments 1 | Debt And Equity Securities, Unrealized Gain (Loss)
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Unrealized securities gains (losses), net and Other noninterest income (expense)	(2)	3	71
Level 3 | Private equity investments 1 | Other Noninterest Expense
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Unrealized securities gains (losses), net and Other noninterest income (expense)	0	0	0
Level 3 | Ag loan servicing
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at beginning of year	14	12	16
Purchases	0	0	0
Cost of investments sold	0	0	0
Redemptions and paydowns	0	0	(1)
Transfers out	0	0	0
Balance at end of year	19	14	12
Level 3 | Ag loan servicing | Debt And Equity Securities, Unrealized Gain (Loss)
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Unrealized securities gains (losses), net and Other noninterest income (expense)	0	0	0
Level 3 | Ag loan servicing | Other Noninterest Expense
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Unrealized securities gains (losses), net and Other noninterest income (expense)	$ 5	$ 2	$ (3)

Fair Value (Schedule of Realize

Fair Value (Schedule of Realized Gains (Losses) Using Level 3 Inputs) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Level 3
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities gains (losses), net	$ (1)	$ (2)	$ 31

Fair Value (Narrative) (Details

Fair Value (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Derivatives, Fair Value [Line Items]
Assets, fair value	$ 11,602,000,000	$ 13,525,000,000
Fair Value, Option, Credit Risk, Gains (Losses) on Assets	4,000,000
Level 2
Derivatives, Fair Value [Line Items]
Assets, fair value	10,872,000,000	$ 12,524,000,000
Level 2 | Fair Value, Nonrecurring | Collateral dependent loans
Derivatives, Fair Value [Line Items]
Assets, fair value	1,000,000
Gain (losses) from fair value changes	$ 0

Fair Value (Schedule of Carryin

Fair Value (Schedule of Carrying Values and Estimated Fair Values of Financial Instruments) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held-to-maturity investment securities	$ 10,466	$ 11,239
Time deposits	9,996	2,309
Long-term debt	542	651
Level 2 | Fair value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held-to-maturity investment securities	10,466	11,239
Time deposits	9,964	2,269
Long-term debt	494	635
Level 2 | Carrying value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held-to-maturity investment securities	10,382	11,126
Time deposits	9,996	2,309
Long-term debt	542	651
Level 3 | Fair value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans and leases (including loans held for sale), net of allowance	54,832	53,093
Level 3 | Carrying value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans and leases (including loans held for sale), net of allowance	$ 57,148	$ 55,086

Offsetting Assets and Liabili_3

Offsetting Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Gross amounts recognized
Federal funds sold and securities purchased under agreements to resell	$ 1,170,000	$ 2,451,000
Derivatives (included in Other assets)	420,000	386,000
Total assets	1,590,000	2,837,000
Federal funds and other short-term borrowings	4,612,000	10,442,000
Derivatives (included in Other liabilities)	333,000	451,000
Total liabilities	4,945,000	10,893,000
Gross amounts offset on the balance sheet
Federal funds sold and securities purchased under agreements to resell	(233,000)	(25,000)
Derivatives (included in Other assets)	0	0
Total assets	(233,000)	(25,000)
Federal funds and other short-term borrowings	(233,000)	(25,000)
Derivatives (included in Other liabilities)	0	0
Total liabilities	(233,000)	(25,000)
Net amounts presented on the balance sheet
Federal funds sold and securities purchased under agreements to resell	937,000	2,426,000
Derivatives (included in Other assets)	420,000	386,000
Total assets	1,357,000	2,812,000
Federal funds and other short-term borrowings	4,379,000	10,417,000
Derivatives (included in Other liabilities)	333,000	451,000
Total liabilities	4,712,000	10,868,000
Gross amounts not offset in the balance sheet, Financial Instruments
Federal funds sold and securities purchased under agreements to resell	0	0
Derivatives (included in Other assets)	(31,000)	(10,000)
Total assets	(31,000)	(10,000)
Federal funds and other short-term borrowings	0	0
Derivatives (included in Other liabilities)	(31,000)	(10,000)
Total liabilities	(31,000)	(10,000)
Gross amounts not offset in the balance sheet, Cash collateral received/ pledged
Federal funds sold and securities purchased under agreements to resell	0	0
Derivatives (included in Other assets)	(357,000)	(367,000)
Total assets	(357,000)	(367,000)
Federal funds and other short-term borrowings	0	0
Derivatives (included in Other liabilities)	(1,000)	0
Total liabilities	$ (1,000)	$ 0
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities	Other liabilities
Net amount
Federal funds sold and securities purchased under agreements to resell	$ 937,000	$ 2,426,000
Derivatives (included in Other assets)	32,000	9,000
Total assets	969,000	2,435,000
Federal funds and other short-term borrowings	4,379,000	10,417,000
Derivatives (included in Other liabilities)	301,000	441,000
Total liabilities	$ 4,680,000	$ 10,858,000

Investments (Narrative) (Detail

Investments (Narrative) (Details) $ in Millions	3 Months Ended	12 Months Ended
	Dec. 31, 2022 USD ($) security	Dec. 31, 2023 USD ($) security	Dec. 31, 2022 USD ($) security	Dec. 31, 2021 USD ($)
Investments [Abstract]
Accrued interest receivable	$ 75	$ 65	$ 75
Transfer from available for sale to held-to-maturity, fair value	10,700	10,691
Investment securities available-for-sale transferred to held-to-maturity, at amortized cost (fair value $10,691)		0	$ 13,097	$ 0
Debt Securities, Held-to-Maturity, Amortized Cost, after Allowance for Credit Loss, Transfer, Amount	13,100
OCI, Debt Securities, Available-for-Sale, Transfer to Held-to-Maturity, Adjustment from AOCI for Amortization of Gain (Loss), before Tax	$ 2,400
Unrealized loss unamortized over the life of security		2,100
Unrealized loss unamortized over the life of security, after tax		$ 1,500
Number of AFS investment securities in an unrealized loss position | security	3,562	2,998	3,562
Allowance for credit loss on HTM securities (less than)		$ 1

Investments (Summary of Investm

Investments (Summary of Investment Securities) (Details) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2023
Amortized cost
Held-to-maturity	$ 11,126	$ 10,382
Total available-for-sale	13,538	11,759
Total HTM and AFS investment securities	24,664	22,141
Gross unrealized gains 1
Held-to-maturity	165	156
Available-for-sale	2	0
Total HTM and AFS investment securities	167	156
Gross unrealized losses
Held-to-maturity	52	72
Available-for-sale	1,625	1,459
Total HTM and AFS investment securities	1,677	1,531
Estimated fair value
Held-to-maturity	11,239	10,466
Available-for-sale	11,915	10,300
Total HTM and AFS investment securities	23,154	20,766
Transfer from available for sale to held-to-maturity, fair value	10,700	10,691
U.S. Treasury securities
Amortized cost
Total available-for-sale	557	585
Gross unrealized gains 1
Available-for-sale	0	0
Gross unrealized losses
Available-for-sale	164	93
Estimated fair value
Available-for-sale	393	492
Agency securities
Amortized cost
Held-to-maturity	100	93
Total available-for-sale	782	663
Gross unrealized gains 1
Held-to-maturity	0	0
Available-for-sale	0	0
Gross unrealized losses
Held-to-maturity	7	6
Available-for-sale	46	33
Estimated fair value
Held-to-maturity	93	87
Available-for-sale	736	630
Municipal securities
Amortized cost
Held-to-maturity	405	354
Total available-for-sale	1,732	1,385
Gross unrealized gains 1
Held-to-maturity	0	0
Available-for-sale	1	0
Gross unrealized losses
Held-to-maturity	31	16
Available-for-sale	99	67
Estimated fair value
Held-to-maturity	374	338
Available-for-sale	1,634	1,318
Agency guaranteed mortgage-backed securities
Amortized cost
Held-to-maturity	10,621	9,935
Total available-for-sale	9,652	8,530
Gross unrealized gains 1
Held-to-maturity	165	156
Available-for-sale	0	0
Gross unrealized losses
Held-to-maturity	14	50
Available-for-sale	1,285	1,239
Estimated fair value
Held-to-maturity	10,772	10,041
Available-for-sale	8,367	7,291
Small Business Administration loan-backed securities
Amortized cost
Total available-for-sale	740	571
Gross unrealized gains 1
Available-for-sale	1	0
Gross unrealized losses
Available-for-sale	29	25
Estimated fair value
Available-for-sale	712	546
Other debt securities
Amortized cost
Total available-for-sale	75	25
Gross unrealized gains 1
Available-for-sale	0	0
Gross unrealized losses
Available-for-sale	2	2
Estimated fair value
Available-for-sale	73	23
Unrealized gains
Gross unrealized gains 1
Available-for-sale	$ 1	$ 1

Investments (Contractual Maturi

Investments (Contractual Maturities Debt Securities) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Held-to-maturity, Amortized cost
Total debt securities	$ 10,382	$ 11,126
Due in one year or less	26
Due after one year through five years	127
Due after five years through ten years	211
Due after ten years	$ 10,018
Held-to-maturity, Weighted average yield
Total debt securities	1.91%
Due in one year or less	2.70%
Due after one year through five years	3%
Due after five years through ten years	3.06%
Due after ten years	1.87%
Available-for-sale, Amortized cost
Total debt securities	$ 11,759	13,538
Due in one year or less	442
Due after one year through five years	782
Due after five years through ten years	2,534
Due after ten years	$ 8,001
Available-for-sale, Weighted average yield
Total debt securities	2.32%
Due in one year or less	3.24%
Due after one year through five years	2.61%
Due after five years through ten years	2.24%
Due after ten years	2.26%
Total investment securities, Amortized cost
Total HTM and AFS investment securities	$ 22,141	24,664
Due in one year or less	468
Due after one year through five years	909
Due after five years through ten years	2,745
Due after ten years	$ 18,019
Total investment securities, Weighted average yield
Total debt securities	2.13%
Due in one year or less	3.21%
Due after one year through five years	2.67%
Due after five years through ten years	2.30%
Due after ten years	2.04%
U.S. Treasury securities
Available-for-sale, Amortized cost
Total debt securities	$ 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
Available-for-sale, Weighted average yield
Total debt securities	3.26%
Due in one year or less	5.24%
Due after one year through five years	0%
Due after five years through ten years	0%
Due after ten years	2.35%
Agency securities
Held-to-maturity, Amortized cost
Total debt securities	$ 93	100
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	$ 93
Held-to-maturity, Weighted average yield
Total debt securities	3.55%
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	3.55%
Available-for-sale, Amortized cost
Total debt securities	$ 663	782
Due in one year or less	116
Due after one year through five years	154
Due after five years through ten years	207
Due after ten years	$ 186
Available-for-sale, Weighted average yield
Total debt securities	2.63%
Due in one year or less	0.93%
Due after one year through five years	3.16%
Due after five years through ten years	2.73%
Due after ten years	3.15%
Agency guaranteed mortgage-backed securities
Held-to-maturity, Amortized cost
Total debt securities	$ 9,935	10,621
Due in one year or less	0
Due after one year through five years	0
Due after five years through ten years	45
Due after ten years	$ 9,890
Held-to-maturity, Weighted 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	1.94%
Due after ten years	1.85%
Available-for-sale, Amortized cost
Total debt securities	$ 8,530	9,652
Due in one year or less	3
Due after one year through five years	174
Due after five years through ten years	1,459
Due after ten years	$ 6,894
Available-for-sale, Weighted average yield
Total debt securities	2.01%
Due in one year or less	1.40%
Due after one year through five years	1.63%
Due after five years through ten years	2.11%
Due after ten years	2%
Small Business Administration loan-backed securities
Available-for-sale, Amortized cost
Total debt securities	$ 571	740
Due in one year or less	1
Due after one year through five years	22
Due after five years through ten years	141
Due after ten years	$ 407
Available-for-sale, Weighted average yield
Total debt securities	5.54%
Due in one year or less	5.33%
Due after one year through five years	6.33%
Due after five years through ten years	4.40%
Due after ten years	5.89%
Municipal securities
Held-to-maturity, Amortized cost
Total debt securities	$ 354	405
Due in one year or less	26
Due after one year through five years	127
Due after five years through ten years	166
Due after ten years	$ 35
Held-to-maturity, Weighted average yield
Total debt securities	3.15%
Due in one year or less	2.70%
Due after one year through five years	3%
Due after five years through ten years	3.36%
Due after ten years	3.08%
Available-for-sale, Amortized cost
Total debt securities	$ 1,385	1,732
Due in one year or less	138
Due after one year through five years	432
Due after five years through ten years	717
Due after ten years	$ 98
Available-for-sale, Weighted average yield
Total debt securities	2.18%
Due in one year or less	2.54%
Due after one year through five years	2.63%
Due after five years through ten years	1.84%
Due after ten years	2.22%
Other debt securities
Available-for-sale, Amortized cost
Total debt securities	$ 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
Available-for-sale, Weighted average yield
Total debt securities	8.77%
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	8.28%

Investments (Summary of Amount

Investments (Summary of Amount of Gross Unrealized Losses for Debt Securities and Estimated Fair Value) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Gross unrealized losses
Available-for-sale, Less than 12 months	$ 73	$ 653
Available-for-sale, 12 months or more	1,386	972
Available-for-sale, Total	1,459	1,625
Estimated fair value
Available-for-sale, less than 12 Months	550	6,673
Available-for-sale, 12 months or more	9,373	5,009
Available-for-sale, Total	9,923	11,682
U.S. Treasury securities
Gross unrealized losses
Available-for-sale, Less than 12 months	0	94
Available-for-sale, 12 months or more	93	70
Available-for-sale, Total	93	164
Estimated fair value
Available-for-sale, less than 12 Months	0	308
Available-for-sale, 12 months or more	308	85
Available-for-sale, Total	308	393
Agency securities
Gross unrealized losses
Available-for-sale, Less than 12 months	0	39
Available-for-sale, 12 months or more	33	7
Available-for-sale, Total	33	46
Estimated fair value
Available-for-sale, less than 12 Months	5	634
Available-for-sale, 12 months or more	605	102
Available-for-sale, Total	610	736
Agency guaranteed mortgage-backed securities
Gross unrealized losses
Available-for-sale, Less than 12 months	71	447
Available-for-sale, 12 months or more	1,168	838
Available-for-sale, Total	1,239	1,285
Estimated fair value
Available-for-sale, less than 12 Months	312	4,322
Available-for-sale, 12 months or more	6,902	4,042
Available-for-sale, Total	7,214	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	25	21
Available-for-sale, Total	25	29
Estimated fair value
Available-for-sale, less than 12 Months	4	101
Available-for-sale, 12 months or more	484	524
Available-for-sale, Total	488	625
Municipal securities
Gross unrealized losses
Available-for-sale, Less than 12 months	2	63
Available-for-sale, 12 months or more	65	36
Available-for-sale, Total	67	99
Estimated fair value
Available-for-sale, less than 12 Months	229	1,295
Available-for-sale, 12 months or more	1,061	256
Available-for-sale, Total	1,290	1,551
Other
Gross unrealized losses
Available-for-sale, Less than 12 months	0	2
Available-for-sale, 12 months or more	2	0
Available-for-sale, Total	2	2
Estimated fair value
Available-for-sale, less than 12 Months	0	13
Available-for-sale, 12 months or more	13	0
Available-for-sale, Total	$ 13	$ 13

Investments (Securities Gains a

Investments (Securities Gains and Losses Recognized in Income) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Investments [Abstract]
Available-for-sale, gross gains	$ 72	$ 0	$ 0
Available-for-sale, gross losses	72	0	0
Trading, gross gains	13	0	0
Trading, gross losses	11	0	0
Other noninterest-bearing investments, Nonmarketable equity securities, Gross gains	27	11	119
Other noninterest-bearing investments, Nonmarketable equity securities, Gross losses	25	26	48
Gross gains	112	11	119
Gross losses	108	26	48
Securities gains (losses), net	$ 4	$ (15)	$ 71

Investments (Tax and Nontaxable

Investments (Tax and Nontaxable Income by Investment Type) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Net Investment Income [Line Items]
Held-to-maturity	$ 239	$ 46	$ 15
Available-for-sale	322	451	285
Trading	2	15	11
Interest on securities	563	512	311
Taxable
Net Investment Income [Line Items]
Held-to-maturity	236	42	10
Available-for-sale	291	411	256
Trading	0	0	0
Interest on securities	527	453	266
Nontaxable
Net Investment Income [Line Items]
Held-to-maturity	3	4	5
Available-for-sale	31	40	29
Trading	2	15	11
Interest on securities	$ 36	$ 59	$ 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	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans held for sale	$ 53	$ 8
Total loans and leases	57,779	55,653
PPP
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	77	197
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	30,588	30,495
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	16,684	16,377
Commercial | Leasing
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	383	386
Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	9,219	9,371
Commercial | Municipal
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	4,302	4,361
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	13,371	12,739
Commercial real estate | Construction and land development
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	2,669	2,513
Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	10,702	10,226
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	13,820	12,419
Consumer | Home equity credit line
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	3,356	3,377
Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	8,415	7,286
Consumer | Construction and other consumer real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	1,442	1,161
Consumer | Bankcard and other revolving plans
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	474	471
Consumer | Other
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	$ 133	$ 124

Loans, Leases, and Allowance _4

Loans, Leases, and Allowance for Credit Losses (Narrative) (Details)	12 Months Ended
	Dec. 31, 2023 USD ($) mo	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Financing Receivable, Allowance for Credit Losses [Line Items]
Net unamortized purchase premiums, discounts, and deferred loan fees and cost	$ 37,000,000	$ 49,000,000
Accrued interest receivable	$ 299,000,000	$ 247,000,000
Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Loans and leases, net of unearned income and fees	$ 57,779,000,000	$ 55,653,000,000
Loans held for sale	53,000,000	8,000,000
Payments for origination and purchases of loans held-for-sale	678,000,000	659,000,000	$ 1,700,000,000
Held-for-sale loans sold	632,000,000	716,000,000	1,683,000,000
Principal balance of loans sold, serviced loans	400,000,000	3,500,000,000
Income from loans sold	16,000,000	14,000,000	$ 34,000,000
Financing receivable, commitments threshold for evaluating collectively or individually	1,000,000
Recorded investment in TDR loans modified with interest rates below market	$ 264,000,000	235,000,000
Financing receivable, minimum number of months for borrower to meet terms for TDR status | mo	6
Unfunded lending commitments	$ 22,000,000	7,000,000
Financing receivable, modifications, subsequent default, recorded investment		10,000,000
Real estate acquired through foreclosure (less than)	0	0
Mortgage loans in process of foreclosure	11,000,000	10,000,000
Asset Pledged as Collateral without Right
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans held for sale	36,300,000,000	27,600,000,000
Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment in TDR loans modified with interest rates below market		38,000,000
Doubtful
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	0
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	$ 13,371,000,000	12,739,000,000
Financing receivable, period once past due, charged off or charged down (in days)	180 days
Recorded investment in TDR loans modified with interest rates below market	$ 192,000,000
Commercial real estate | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment in TDR loans modified with interest rates below market		10,000,000
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	$ 13,820,000,000	12,419,000,000
Financing receivable, period once past due, charged off or charged down (in days)	180 days
Recorded investment in TDR loans modified with interest rates below market	$ 3,000,000
Consumer | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment in TDR loans modified with interest rates below market		5,000,000
Commercial Mortgage-Backed Securities
Financing Receivable, Allowance for Credit Losses [Line Items]
Principal balance of loans sold, serviced loans	3,000,000,000
Interest Rate Below Market Reduction
Financing Receivable, Allowance for Credit Losses [Line Items]
Accumulated modified in period		63,000,000
Payment deferral
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment in TDR loans modified with interest rates below market	2,000,000	32,000,000
Payment deferral | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment in TDR loans modified with interest rates below market	1,000,000	3,000,000
Payment deferral | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Payment deferral | Commercial real estate | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Payment deferral | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Payment deferral | Consumer | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Principal forgiveness
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment in TDR loans modified with interest rates below market	1,000,000	7,000,000
Principal forgiveness | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment in TDR loans modified with interest rates below market		1,000,000
Principal forgiveness | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Principal forgiveness | Commercial real estate | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Principal forgiveness | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment in TDR loans modified with interest rates below market	1,000,000
Principal forgiveness | Consumer | Nonaccruing
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded investment in TDR loans modified with interest rates below market		1,000,000
Land Acquisition and Development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	$ 219,000,000	$ 262,000,000
Closed-End Consumer Loans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, period once past due, charged off or charged down (in days)	120 days

Loans, Leases, and Allowance _5

Loans, Leases, and Allowance For Credit Losses (Loans Held For Sale) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Receivables [Abstract]
Payments for origination and purchases of loans held-for-sale	$ 678	$ 659	$ 1,700
Held-for-sale loans sold	$ 632	$ 716	$ 1,683

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	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Allowance for loan and lease losses
Balance at beginning of period	$ 575	$ 513
Provision for loan losses	148	101	$ (258)
Gross loan and lease charge-offs	62	82
Recoveries	26	43
Net loan and lease charge-offs (recoveries)	36	39
Balance at ending of period	684	575	513
Reserve for unfunded lending commitments
Balance at beginning of period	61	40
Provision for unfunded lending commitments	(16)	21	(18)
Balance at end of period	45	61	40
Total allowance for credit losses	729	636
Cumulative Effect, Period of Adoption, Adjusted Balance
Allowance for loan and lease losses
Balance at beginning of period	572
Balance at ending of period		572
Cumulative Effect, Period of Adoption, Adjustment
Allowance for loan and lease losses
Balance at beginning of period	(3)
Balance at ending of period		(3)
Commercial
Allowance for loan and lease losses
Balance at beginning of period	300	311
Provision for loan losses	27	29
Gross loan and lease charge-offs	45	72
Recoveries	20	32
Net loan and lease charge-offs (recoveries)	25	40
Balance at ending of period	302	300	311
Reserve for unfunded lending commitments
Balance at beginning of period	16	19
Provision for unfunded lending commitments	3	(3)
Balance at end of period	19	16	19
Total allowance for credit losses	321	316
Commercial | Cumulative Effect, Period of Adoption, Adjusted Balance
Allowance for loan and lease losses
Balance at beginning of period	300
Balance at ending of period		300
Commercial | Cumulative Effect, Period of Adoption, Adjustment
Allowance for loan and lease losses
Balance at beginning of period	0
Balance at ending of period		0
Commercial real estate
Allowance for loan and lease losses
Balance at beginning of period	156	107
Provision for loan losses	92	49
Gross loan and lease charge-offs	3	0
Recoveries	0	0
Net loan and lease charge-offs (recoveries)	3	0
Balance at ending of period	241	156	107
Reserve for unfunded lending commitments
Balance at beginning of period	33	11
Provision for unfunded lending commitments	(16)	22
Balance at end of period	17	33	11
Total allowance for credit losses	258	189
Commercial real estate | Cumulative Effect, Period of Adoption, Adjusted Balance
Allowance for loan and lease losses
Balance at beginning of period	152
Balance at ending of period		152
Commercial real estate | Cumulative Effect, Period of Adoption, Adjustment
Allowance for loan and lease losses
Balance at beginning of period	(4)
Balance at ending of period		(4)
Consumer
Allowance for loan and lease losses
Balance at beginning of period	119	95
Provision for loan losses	29	23
Gross loan and lease charge-offs	14	10
Recoveries	6	11
Net loan and lease charge-offs (recoveries)	8	(1)
Balance at ending of period	141	119	95
Reserve for unfunded lending commitments
Balance at beginning of period	12	10
Provision for unfunded lending commitments	(3)	2
Balance at end of period	9	12	$ 10
Total allowance for credit losses	150	131
Consumer | Cumulative Effect, Period of Adoption, Adjusted Balance
Allowance for loan and lease losses
Balance at beginning of period	120
Balance at ending of period		120
Consumer | Cumulative Effect, Period of Adoption, Adjustment
Allowance for loan and lease losses
Balance at beginning of period	$ 1
Balance at ending of period		$ 1

Loans, Leases, and Allowance _7

Loans, Leases, and Allowance for Credit Losses (Summary of Nonaccrual Loans) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	$ 91	$ 31
Amortized cost basis with allowance	131	118
Total amortized cost basis	222	149
Related allowance	43	35
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	23	21
Amortized cost basis with allowance	81	66
Total amortized cost basis	104	87
Related allowance	32	28
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	11	8
Amortized cost basis with allowance	71	55
Total amortized cost basis	82	63
Related allowance	30	27
Commercial | Leasing
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	0
Amortized cost basis with allowance	2
Total amortized cost basis	2
Related allowance	1
Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	12	13
Amortized cost basis with allowance	8	11
Total amortized cost basis	20	24
Related allowance	1	1
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	59	0
Amortized cost basis with allowance	2	14
Total amortized cost basis	61	14
Related allowance	1	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
Total amortized cost basis	22
Related allowance	0
Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	37	0
Amortized cost basis with allowance	2	14
Total amortized cost basis	39	14
Related allowance	1	2
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	9	10
Amortized cost basis with allowance	48	38
Total amortized cost basis	57	48
Related allowance	10	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	16	10
Total amortized cost basis	17	11
Related allowance	5	2
Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	8	9
Amortized cost basis with allowance	32	28
Total amortized cost basis	40	37
Related allowance	$ 5	$ 3

Loans, Leases, and Allowance _8

Loans, Leases, and Allowance for Credit Losses (Summary of Accrued Interest Receivables Reversed) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Past Due [Line Items]
Accrued interest receivable written off	$ 15	$ 13	$ 17
Recorded investment in TDR loans modified with interest rates below market	264	235
Interest rate reduction
Financing Receivable, Past Due [Line Items]
Recorded investment in TDR loans modified with interest rates below market	4
Maturity or term extension
Financing Receivable, Past Due [Line Items]
Recorded investment in TDR loans modified with interest rates below market	256
Multiple modification types
Financing Receivable, Past Due [Line Items]
Recorded investment in TDR loans modified with interest rates below market	1	74
Commercial
Financing Receivable, Past Due [Line Items]
Accrued interest receivable written off	10	12	15
Recorded investment in TDR loans modified with interest rates below market	69
Commercial | Interest rate reduction
Financing Receivable, Past Due [Line Items]
Recorded investment in TDR loans modified with interest rates below market	4
Commercial | Maturity or term extension
Financing Receivable, Past Due [Line Items]
Recorded investment in TDR loans modified with interest rates below market	63
Commercial | Multiple modification types
Financing Receivable, Past Due [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Commercial | Commercial and industrial
Financing Receivable, Past Due [Line Items]
Recorded investment in TDR loans modified with interest rates below market	47
Commercial | Commercial and industrial | Interest rate reduction
Financing Receivable, Past Due [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Commercial | Commercial and industrial | Maturity or term extension
Financing Receivable, Past Due [Line Items]
Recorded investment in TDR loans modified with interest rates below market	46
Commercial | Commercial and industrial | Multiple modification types
Financing Receivable, Past Due [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Commercial real estate
Financing Receivable, Past Due [Line Items]
Accrued interest receivable written off	3	1	2
Recorded investment in TDR loans modified with interest rates below market	192
Commercial real estate | Interest rate reduction
Financing Receivable, Past Due [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Commercial real estate | Maturity or term extension
Financing Receivable, Past Due [Line Items]
Recorded investment in TDR loans modified with interest rates below market	192
Commercial real estate | Multiple modification types
Financing Receivable, Past Due [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Consumer
Financing Receivable, Past Due [Line Items]
Accrued interest receivable written off	2	$ 0	$ 0
Recorded investment in TDR loans modified with interest rates below market	3
Consumer | Interest rate reduction
Financing Receivable, Past Due [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Consumer | Maturity or term extension
Financing Receivable, Past Due [Line Items]
Recorded investment in TDR loans modified with interest rates below market	1
Consumer | Multiple modification types
Financing Receivable, Past Due [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 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	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	$ 57,779	$ 55,653
Accruing loans 90+ days past due	3	6
Nonaccrual loans that are current	222	149
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	30,588	30,495
Accruing loans 90+ days past due	2	5
Nonaccrual loans that are current	104	87
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	13,371	12,739
Accruing loans 90+ days past due	0	0
Nonaccrual loans that are current	61	14
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	13,820	12,419
Accruing loans 90+ days past due	1	1
Nonaccrual loans that are current	57	48
Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	16,684	16,377
Accruing loans 90+ days past due	1	4
Nonaccrual loans that are current	82	63
Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	383	386
Accruing loans 90+ days past due	0	0
Nonaccrual loans that are current	2
Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	9,219	9,371
Accruing loans 90+ days past due	1	1
Nonaccrual loans that are current	20	24
Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	4,302	4,361
Accruing loans 90+ days past due	0	0
Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	2,669	2,513
Accruing loans 90+ days past due	0	0
Nonaccrual loans that are current	22
Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	10,702	10,226
Accruing loans 90+ days past due	0	0
Nonaccrual loans that are current	39	14
Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	3,356	3,377
Accruing loans 90+ days past due	0	0
Nonaccrual loans that are current	17	11
1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	8,415	7,286
Accruing loans 90+ days past due	0	0
Nonaccrual loans that are current	40	37
Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	1,442	1,161
Accruing loans 90+ days past due		0
Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	474	471
Accruing loans 90+ days past due	1	1
Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	133	124
Accruing loans 90+ days past due	0	0
Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	57,576	55,491
Current | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	30,519	30,422
Current | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	13,306	12,690
Current | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	13,751	12,379
Current | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	16,631	16,331
Current | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	381	386
Current | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	9,206	9,344
Current | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	4,301	4,361
Current | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	2,645	2,511
Current | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	10,661	10,179
Current | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	3,334	3,369
Current | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	8,375	7,258
Current | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	1,442	1,161
Current | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	468	467
Current | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	132	124
Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	203	162
Total past due | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	69	73
Total past due | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	65	49
Total past due | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	69	40
Total past due | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	53	46
Total past due | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	2	0
Total past due | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	13	27
Total past due | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	1	0
Total past due | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	24	2
Total past due | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	41	47
Total past due | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	22	8
Total past due | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	40	28
Total past due | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	0
Total past due | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	6	4
Total past due | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	1	0
30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	108	100
30-89 days past due | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	52	44
30-89 days past due | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	16	39
30-89 days past due | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	40	17
30-89 days past due | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	38	24
30-89 days past due | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	2	0
30-89 days past due | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	11	20
30-89 days past due | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	1	0
30-89 days past due | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	2	2
30-89 days past due | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	14	37
30-89 days past due | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	17	5
30-89 days past due | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	17	9
30-89 days past due | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	0
30-89 days past due | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	5	3
30-89 days past due | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	1	0
90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	95	62
90+ days past due | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	17	29
90+ days past due | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	49	10
90+ days past due | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	29	23
90+ days past due | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	15	22
90+ days past due | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	0
90+ days past due | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	2	7
90+ days past due | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	0
90+ days past due | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	22	0
90+ days past due | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	27	10
90+ days past due | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	5	3
90+ days past due | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	23	19
90+ days past due | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	0
90+ days past due | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	1	1
90+ days past due | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	0
Nonaccrual loans that are current
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	108	86
Nonaccrual loans that are current | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	83	60
Nonaccrual loans that are current | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	3	4
Nonaccrual loans that are current | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	22	22
Nonaccrual loans that are current | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	65	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	18	15
Nonaccrual loans that are current | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	0	0
Nonaccrual loans that are current | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	0	0
Nonaccrual loans that are current | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	3	4
Nonaccrual loans that are current | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	9	6
Nonaccrual loans that are current | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	13	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	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Total loans
2023	$ 8,155	$ 13,059
2022	12,553	10,344
2021	8,774	6,360
2020	4,982	4,239
2019	3,222	2,347
Prior	6,610	5,667
Revolving loans amortized cost basis	12,896	13,064
Revolving loans converted to term loans amortized cost basis	587	573
Total loans	57,779	55,653
Gross charge-offs
2023	1
2022	12
2021	6
2020	0
2019	1
Prior	4
Revolving loans amortized cost basis	36
Revolving loans converted to term loans amortized cost basis	2
Total	62	82
Commercial
Total loans
2023	4,492	6,987
2022	5,770	5,522
2021	4,436	3,072
2020	2,336	2,430
2019	1,729	1,228
Prior	3,201	2,568
Revolving loans amortized cost basis	8,410	8,426
Revolving loans converted to term loans amortized cost basis	214	262
Total loans	30,588	30,495
Gross charge-offs
2023	1
2022	10
2021	6
2020	0
2019	0
Prior	2
Revolving loans amortized cost basis	24
Revolving loans converted to term loans amortized cost basis	2
Total	45	72
Commercial real estate
Total loans
2023	2,571	3,508
2022	3,477	2,802
2021	2,294	2,186
2020	1,634	1,140
2019	884	726
Prior	1,482	1,276
Revolving loans amortized cost basis	757	893
Revolving loans converted to term loans amortized cost basis	272	208
Total loans	13,371	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
Consumer
Total loans
2023	1,092	2,564
2022	3,306	2,020
2021	2,044	1,102
2020	1,012	669
2019	609	393
Prior	1,927	1,823
Revolving loans amortized cost basis	3,729	3,745
Revolving loans converted to term loans amortized cost basis	101	103
Total loans	13,820	12,419
Gross charge-offs
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	2
Revolving loans amortized cost basis	12
Revolving loans converted to term loans amortized cost basis	0
Total	14	10
Commercial and industrial | Commercial
Total loans
2023	2,678	3,390
2022	2,572	1,891
2021	1,246	1,011
2020	645	1,017
2019	544	325
Prior	644	335
Revolving loans amortized cost basis	8,196	8,220
Revolving loans converted to term loans amortized cost basis	159	188
Total loans	16,684	16,377
Gross charge-offs
2023	1
2022	10
2021	6
2020	0
2019	0
Prior	2
Revolving loans amortized cost basis	24
Revolving loans converted to term loans amortized cost basis	2
Total	45
Leasing | Commercial
Total loans
2023	106	160
2022	136	71
2021	48	47
2020	30	66
2019	45	18
Prior	18	24
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	383	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	1,092	2,175
2022	1,982	2,334
2021	2,067	1,198
2020	1,035	906
2019	757	717
Prior	2,020	1,769
Revolving loans amortized cost basis	214	198
Revolving loans converted to term loans amortized cost basis	52	74
Total loans	9,219	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	616	1,262
2022	1,080	1,226
2021	1,075	816
2020	626	441
2019	383	168
Prior	519	440
Revolving loans amortized cost basis	0	8
Revolving loans converted to term loans amortized cost basis	3	0
Total loans	4,302	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	576	566
2022	940	672
2021	384	455
2020	91	103
2019	28	2
Prior	4	2
Revolving loans amortized cost basis	519	617
Revolving loans converted to term loans amortized cost basis	127	96
Total loans	2,669	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	1,995	2,942
2022	2,537	2,130
2021	1,910	1,731
2020	1,543	1,037
2019	856	724
Prior	1,478	1,274
Revolving loans amortized cost basis	238	276
Revolving loans converted to term loans amortized cost basis	145	112
Total loans	10,702	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
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	3,256	3,276
Revolving loans converted to term loans amortized cost basis	100	101
Total loans	3,356	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	814	1,913
2022	2,267	1,505
2021	1,826	1,026
2020	991	642
2019	598	384
Prior	1,919	1,816
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	8,415	7,286
Gross charge-offs
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	2
Revolving loans amortized cost basis	0
Revolving loans converted to term loans amortized cost basis	0
Total	2
Construction and other consumer real estate | Consumer
Total loans
2023	212	583
2022	1,002	485
2021	200	64
2020	15	19
2019	7	5
Prior	6	5
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	1,442	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
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	473	469
Revolving loans converted to term loans amortized cost basis	1	2
Total loans	474	471
Gross charge-offs
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving loans amortized cost basis	9
Revolving loans converted to term loans amortized cost basis	0
Total	9
Other | Consumer
Total loans
2023	66	68
2022	37	30
2021	18	12
2020	6	8
2019	4	4
Prior	2	2
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	133	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	2,654	3,363
2022	2,420	1,874
2021	1,204	979
2020	639	876
2019	494	293
Prior	598	264
Revolving loans amortized cost basis	7,973	8,054
Revolving loans converted to term loans amortized cost basis	151	182
Total loans	16,133	15,885
Pass | Leasing | Commercial
Total loans
2023	104	160
2022	125	71
2021	47	47
2020	29	66
2019	45	18
Prior	18	19
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	368	381
Pass | Owner-occupied | Commercial
Total loans
2023	1,080	2,157
2022	1,945	2,285
2021	2,020	1,143
2020	1,002	874
2019	721	654
Prior	1,907	1,679
Revolving loans amortized cost basis	212	187
Revolving loans converted to term loans amortized cost basis	52	74
Total loans	8,939	9,053
Pass | Municipal | Commercial
Total loans
2023	601	1,230
2022	1,080	1,220
2021	1,069	816
2020	623	441
2019	382	168
Prior	512	437
Revolving loans amortized cost basis	0	8
Revolving loans converted to term loans amortized cost basis	3	0
Total loans	4,270	4,320
Pass | Construction and land development | Commercial real estate
Total loans
2023	553	548
2022	938	671
2021	355	455
2020	56	81
2019	7	2
Prior	4	2
Revolving loans amortized cost basis	518	617
Revolving loans converted to term loans amortized cost basis	127	96
Total loans	2,558	2,472
Pass | Term | Commercial real estate
Total loans
2023	1,861	2,861
2022	2,385	2,107
2021	1,833	1,686
2020	1,449	1,012
2019	804	666
Prior	1,438	1,229
Revolving loans amortized cost basis	238	276
Revolving loans converted to term loans amortized cost basis	110	112
Total loans	10,118	9,949
Pass | Home equity credit line | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	3,237	3,265
Revolving loans converted to term loans amortized cost basis	97	98
Total loans	3,334	3,363
Pass | 1-4 family residential | Consumer
Total loans
2023	814	1,913
2022	2,264	1,503
2021	1,823	1,024
2020	988	638
2019	594	381
Prior	1,891	1,788
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	8,374	7,247
Pass | Construction and other consumer real estate | Consumer
Total loans
2023	212	583
2022	1,002	485
2021	200	64
2020	15	19
2019	7	5
Prior	6	5
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	1,442	1,161
Pass | Bankcard and other revolving plans | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	471	468
Revolving loans converted to term loans amortized cost basis	1	2
Total loans	472	470
Pass | Other | Consumer
Total loans
2023	66	68
2022	37	30
2021	18	12
2020	6	8
2019	4	4
Prior	2	2
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	133	124
Special Mention | Commercial and industrial | Commercial
Total loans
2023	8	1
2022	98	2
2021	34	10
2020	2	52
2019	20	1
Prior	37	2
Revolving loans amortized cost basis	103	50
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	302	118
Special Mention | Leasing | Commercial
Total loans
2023	2	0
2022	9	0
2021	1	0
2020	1	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	13	0
Special Mention | Owner-occupied | Commercial
Total loans
2023	2	1
2022	5	15
2021	17	5
2020	5	8
2019	17	3
Prior	15	16
Revolving loans amortized cost basis	0	1
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	61	49
Special Mention | Municipal | Commercial
Total loans
2023	7	32
2022	0	6
2021	0	0
2020	0	0
2019	0	0
Prior	6	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	13	38
Special Mention | Construction and land development | Commercial real estate
Total loans
2023	0	1
2022	0	1
2021	29	0
2020	30	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	59	2
Special Mention | Term | Commercial real estate
Total loans
2023	55	39
2022	108	21
2021	65	11
2020	78	0
2019	44	4
Prior	6	1
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	356	76
Special Mention | Home equity credit line | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Special Mention | 1-4 family residential | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Special Mention | Construction and other consumer real estate | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Special Mention | Bankcard and other revolving plans | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Special Mention | Other | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Accruing Substandard | Commercial and industrial | Commercial
Total loans
2023	11	26
2022	18	7
2021	7	17
2020	2	78
2019	19	30
Prior	8	67
Revolving loans amortized cost basis	99	84
Revolving loans converted to term loans amortized cost basis	3	2
Total loans	167	311
Accruing Substandard | Leasing | Commercial
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	5
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	5
Accruing Substandard | Owner-occupied | Commercial
Total loans
2023	10	16
2022	31	33
2021	29	48
2020	21	20
2019	16	55
Prior	90	64
Revolving loans amortized cost basis	2	9
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	199	245
Accruing Substandard | Municipal | Commercial
Total loans
2023	8	0
2022	0	0
2021	6	0
2020	3	0
2019	1	0
Prior	1	3
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	19	3
Accruing Substandard | Construction and land development | Commercial real estate
Total loans
2023	23	17
2022	2	0
2021	0	0
2020	5	22
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	30	39
Accruing Substandard | Term | Commercial real estate
Total loans
2023	79	42
2022	18	2
2021	12	34
2020	16	21
2019	5	53
Prior	24	35
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	35	0
Total loans	189	187
Accruing Substandard | Home equity credit line | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	4	3
Revolving loans converted to term loans amortized cost basis	1	0
Total loans	5	3
Accruing Substandard | 1-4 family residential | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	1	2
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	1	2
Accruing Substandard | Construction and other consumer real estate | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Accruing Substandard | Bankcard and other revolving plans | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	2	1
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	2	1
Accruing Substandard | Other | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Nonaccrual | Commercial and industrial | Commercial
Total loans
2023	5	0
2022	36	8
2021	1	5
2020	2	11
2019	11	1
Prior	1	2
Revolving loans amortized cost basis	21	32
Revolving loans converted to term loans amortized cost basis	5	4
Total loans	82	63
Nonaccrual | Leasing | Commercial
Total loans
2023	0	0
2022	2	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	2	0
Nonaccrual | Owner-occupied | Commercial
Total loans
2023	0	1
2022	1	1
2021	1	2
2020	7	4
2019	3	5
Prior	8	10
Revolving loans amortized cost basis	0	1
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	20	24
Nonaccrual | Municipal | Commercial
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Nonaccrual | Construction and land development | Commercial real estate
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	21	0
Prior	0	0
Revolving loans amortized cost basis	1	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	22	0
Nonaccrual | Term | Commercial real estate
Total loans
2023	0	0
2022	26	0
2021	0	0
2020	0	4
2019	3	1
Prior	10	9
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	39	14
Nonaccrual | Home equity credit line | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	15	8
Revolving loans converted to term loans amortized cost basis	2	3
Total loans	17	11
Nonaccrual | 1-4 family residential | Consumer
Total loans
2023	0	0
2022	3	2
2021	3	2
2020	3	4
2019	4	3
Prior	27	26
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	40	37
Nonaccrual | Construction and other consumer real estate | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Nonaccrual | Bankcard and other revolving plans | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Nonaccrual | Other | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	$ 0	$ 0

Loans, Leases, and Allowance_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	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Total loans
2022/2021	$ 8,155	$ 13,059
2021/2020	12,553	10,344
2020/2019	8,774	6,360
2019/2018	4,982	4,239
2018/2017	3,222	2,347
Prior	6,610	5,667
Revolving loans amortized cost basis	12,896	13,064
Revolving loans converted to term loans amortized cost basis	587	573
Total loans	57,779	55,653
Gross charge-offs
2022	1
2021	12
2020	6
2019	0
2018	1
Prior	4
Revolving loans amortized cost basis	36
Revolving loans converted to term loans amortized cost basis	2
Total	62	82
Commercial
Total loans
2022/2021	4,492	6,987
2021/2020	5,770	5,522
2020/2019	4,436	3,072
2019/2018	2,336	2,430
2018/2017	1,729	1,228
Prior	3,201	2,568
Revolving loans amortized cost basis	8,410	8,426
Revolving loans converted to term loans amortized cost basis	214	262
Total loans	30,588	30,495
Gross charge-offs
2022	1
2021	10
2020	6
2019	0
2018	0
Prior	2
Revolving loans amortized cost basis	24
Revolving loans converted to term loans amortized cost basis	2
Total	45	72
Commercial real estate
Total loans
2022/2021	2,571	3,508
2021/2020	3,477	2,802
2020/2019	2,294	2,186
2019/2018	1,634	1,140
2018/2017	884	726
Prior	1,482	1,276
Revolving loans amortized cost basis	757	893
Revolving loans converted to term loans amortized cost basis	272	208
Total loans	13,371	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
Consumer
Total loans
2022/2021	1,092	2,564
2021/2020	3,306	2,020
2020/2019	2,044	1,102
2019/2018	1,012	669
2018/2017	609	393
Prior	1,927	1,823
Revolving loans amortized cost basis	3,729	3,745
Revolving loans converted to term loans amortized cost basis	101	103
Total loans	13,820	12,419
Gross charge-offs
2022	0
2021	0
2020	0
2019	0
2018	0
Prior	2
Revolving loans amortized cost basis	12
Revolving loans converted to term loans amortized cost basis	0
Total	14	10
Commercial and industrial | Commercial
Total loans
2022/2021	2,678	3,390
2021/2020	2,572	1,891
2020/2019	1,246	1,011
2019/2018	645	1,017
2018/2017	544	325
Prior	644	335
Revolving loans amortized cost basis	8,196	8,220
Revolving loans converted to term loans amortized cost basis	159	188
Total loans	16,684	16,377
Gross charge-offs
2022	1
2021	10
2020	6
2019	0
2018	0
Prior	2
Revolving loans amortized cost basis	24
Revolving loans converted to term loans amortized cost basis	2
Total	45
Leasing | Commercial
Total loans
2022/2021	106	160
2021/2020	136	71
2020/2019	48	47
2019/2018	30	66
2018/2017	45	18
Prior	18	24
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	383	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
2022/2021	1,092	2,175
2021/2020	1,982	2,334
2020/2019	2,067	1,198
2019/2018	1,035	906
2018/2017	757	717
Prior	2,020	1,769
Revolving loans amortized cost basis	214	198
Revolving loans converted to term loans amortized cost basis	52	74
Total loans	9,219	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
2022/2021	616	1,262
2021/2020	1,080	1,226
2020/2019	1,075	816
2019/2018	626	441
2018/2017	383	168
Prior	519	440
Revolving loans amortized cost basis	0	8
Revolving loans converted to term loans amortized cost basis	3	0
Total loans	4,302	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
2022/2021	576	566
2021/2020	940	672
2020/2019	384	455
2019/2018	91	103
2018/2017	28	2
Prior	4	2
Revolving loans amortized cost basis	519	617
Revolving loans converted to term loans amortized cost basis	127	96
Total loans	2,669	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
2022/2021	1,995	2,942
2021/2020	2,537	2,130
2020/2019	1,910	1,731
2019/2018	1,543	1,037
2018/2017	856	724
Prior	1,478	1,274
Revolving loans amortized cost basis	238	276
Revolving loans converted to term loans amortized cost basis	145	112
Total loans	10,702	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
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	3,256	3,276
Revolving loans converted to term loans amortized cost basis	100	101
Total loans	3,356	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
2022/2021	814	1,913
2021/2020	2,267	1,505
2020/2019	1,826	1,026
2019/2018	991	642
2018/2017	598	384
Prior	1,919	1,816
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	8,415	7,286
Gross charge-offs
2022	0
2021	0
2020	0
2019	0
2018	0
Prior	2
Revolving loans amortized cost basis	0
Revolving loans converted to term loans amortized cost basis	0
Total	2
Construction and other consumer real estate | Consumer
Total loans
2022/2021	212	583
2021/2020	1,002	485
2020/2019	200	64
2019/2018	15	19
2018/2017	7	5
Prior	6	5
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	1,442	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
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	473	469
Revolving loans converted to term loans amortized cost basis	1	2
Total loans	474	471
Gross charge-offs
2022	0
2021	0
2020	0
2019	0
2018	0
Prior	0
Revolving loans amortized cost basis	9
Revolving loans converted to term loans amortized cost basis	0
Total	9
Other | Consumer
Total loans
2022/2021	66	68
2021/2020	37	30
2020/2019	18	12
2019/2018	6	8
2018/2017	4	4
Prior	2	2
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	133	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
2022/2021	2,654	3,363
2021/2020	2,420	1,874
2020/2019	1,204	979
2019/2018	639	876
2018/2017	494	293
Prior	598	264
Revolving loans amortized cost basis	7,973	8,054
Revolving loans converted to term loans amortized cost basis	151	182
Total loans	16,133	15,885
Pass | Leasing | Commercial
Total loans
2022/2021	104	160
2021/2020	125	71
2020/2019	47	47
2019/2018	29	66
2018/2017	45	18
Prior	18	19
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	368	381
Pass | Owner-occupied | Commercial
Total loans
2022/2021	1,080	2,157
2021/2020	1,945	2,285
2020/2019	2,020	1,143
2019/2018	1,002	874
2018/2017	721	654
Prior	1,907	1,679
Revolving loans amortized cost basis	212	187
Revolving loans converted to term loans amortized cost basis	52	74
Total loans	8,939	9,053
Pass | Municipal | Commercial
Total loans
2022/2021	601	1,230
2021/2020	1,080	1,220
2020/2019	1,069	816
2019/2018	623	441
2018/2017	382	168
Prior	512	437
Revolving loans amortized cost basis	0	8
Revolving loans converted to term loans amortized cost basis	3	0
Total loans	4,270	4,320
Pass | Construction and land development | Commercial real estate
Total loans
2022/2021	553	548
2021/2020	938	671
2020/2019	355	455
2019/2018	56	81
2018/2017	7	2
Prior	4	2
Revolving loans amortized cost basis	518	617
Revolving loans converted to term loans amortized cost basis	127	96
Total loans	2,558	2,472
Pass | Term | Commercial real estate
Total loans
2022/2021	1,861	2,861
2021/2020	2,385	2,107
2020/2019	1,833	1,686
2019/2018	1,449	1,012
2018/2017	804	666
Prior	1,438	1,229
Revolving loans amortized cost basis	238	276
Revolving loans converted to term loans amortized cost basis	110	112
Total loans	10,118	9,949
Pass | Home equity credit line | Consumer
Total loans
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	3,237	3,265
Revolving loans converted to term loans amortized cost basis	97	98
Total loans	3,334	3,363
Pass | 1-4 family residential | Consumer
Total loans
2022/2021	814	1,913
2021/2020	2,264	1,503
2020/2019	1,823	1,024
2019/2018	988	638
2018/2017	594	381
Prior	1,891	1,788
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	8,374	7,247
Pass | Construction and other consumer real estate | Consumer
Total loans
2022/2021	212	583
2021/2020	1,002	485
2020/2019	200	64
2019/2018	15	19
2018/2017	7	5
Prior	6	5
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	1,442	1,161
Pass | Bankcard and other revolving plans | Consumer
Total loans
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	471	468
Revolving loans converted to term loans amortized cost basis	1	2
Total loans	472	470
Pass | Other | Consumer
Total loans
2022/2021	66	68
2021/2020	37	30
2020/2019	18	12
2019/2018	6	8
2018/2017	4	4
Prior	2	2
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	133	124
Special Mention | Commercial and industrial | Commercial
Total loans
2022/2021	8	1
2021/2020	98	2
2020/2019	34	10
2019/2018	2	52
2018/2017	20	1
Prior	37	2
Revolving loans amortized cost basis	103	50
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	302	118
Special Mention | Leasing | Commercial
Total loans
2022/2021	2	0
2021/2020	9	0
2020/2019	1	0
2019/2018	1	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	13	0
Special Mention | Owner-occupied | Commercial
Total loans
2022/2021	2	1
2021/2020	5	15
2020/2019	17	5
2019/2018	5	8
2018/2017	17	3
Prior	15	16
Revolving loans amortized cost basis	0	1
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	61	49
Special Mention | Municipal | Commercial
Total loans
2022/2021	7	32
2021/2020	0	6
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	6	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	13	38
Special Mention | Construction and land development | Commercial real estate
Total loans
2022/2021	0	1
2021/2020	0	1
2020/2019	29	0
2019/2018	30	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	59	2
Special Mention | Term | Commercial real estate
Total loans
2022/2021	55	39
2021/2020	108	21
2020/2019	65	11
2019/2018	78	0
2018/2017	44	4
Prior	6	1
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	356	76
Special Mention | Home equity credit line | Consumer
Total loans
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Special Mention | 1-4 family residential | Consumer
Total loans
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Special Mention | Construction and other consumer real estate | Consumer
Total loans
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Special Mention | Bankcard and other revolving plans | Consumer
Total loans
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Special Mention | Other | Consumer
Total loans
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Accruing Substandard | Commercial and industrial | Commercial
Total loans
2022/2021	11	26
2021/2020	18	7
2020/2019	7	17
2019/2018	2	78
2018/2017	19	30
Prior	8	67
Revolving loans amortized cost basis	99	84
Revolving loans converted to term loans amortized cost basis	3	2
Total loans	167	311
Accruing Substandard | Leasing | Commercial
Total loans
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	5
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	5
Accruing Substandard | Owner-occupied | Commercial
Total loans
2022/2021	10	16
2021/2020	31	33
2020/2019	29	48
2019/2018	21	20
2018/2017	16	55
Prior	90	64
Revolving loans amortized cost basis	2	9
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	199	245
Accruing Substandard | Municipal | Commercial
Total loans
2022/2021	8	0
2021/2020	0	0
2020/2019	6	0
2019/2018	3	0
2018/2017	1	0
Prior	1	3
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	19	3
Accruing Substandard | Construction and land development | Commercial real estate
Total loans
2022/2021	23	17
2021/2020	2	0
2020/2019	0	0
2019/2018	5	22
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	30	39
Accruing Substandard | Term | Commercial real estate
Total loans
2022/2021	79	42
2021/2020	18	2
2020/2019	12	34
2019/2018	16	21
2018/2017	5	53
Prior	24	35
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	35	0
Total loans	189	187
Accruing Substandard | Home equity credit line | Consumer
Total loans
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	4	3
Revolving loans converted to term loans amortized cost basis	1	0
Total loans	5	3
Accruing Substandard | 1-4 family residential | Consumer
Total loans
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	1	2
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	1	2
Accruing Substandard | Construction and other consumer real estate | Consumer
Total loans
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Accruing Substandard | Bankcard and other revolving plans | Consumer
Total loans
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	2	1
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	2	1
Accruing Substandard | Other | Consumer
Total loans
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Nonaccrual | Commercial and industrial | Commercial
Total loans
2022/2021	5	0
2021/2020	36	8
2020/2019	1	5
2019/2018	2	11
2018/2017	11	1
Prior	1	2
Revolving loans amortized cost basis	21	32
Revolving loans converted to term loans amortized cost basis	5	4
Total loans	82	63
Nonaccrual | Leasing | Commercial
Total loans
2022/2021	0	0
2021/2020	2	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	2	0
Nonaccrual | Owner-occupied | Commercial
Total loans
2022/2021	0	1
2021/2020	1	1
2020/2019	1	2
2019/2018	7	4
2018/2017	3	5
Prior	8	10
Revolving loans amortized cost basis	0	1
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	20	24
Nonaccrual | Municipal | Commercial
Total loans
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Nonaccrual | Construction and land development | Commercial real estate
Total loans
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	21	0
Prior	0	0
Revolving loans amortized cost basis	1	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	22	0
Nonaccrual | Term | Commercial real estate
Total loans
2022/2021	0	0
2021/2020	26	0
2020/2019	0	0
2019/2018	0	4
2018/2017	3	1
Prior	10	9
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	39	14
Nonaccrual | Home equity credit line | Consumer
Total loans
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	15	8
Revolving loans converted to term loans amortized cost basis	2	3
Total loans	17	11
Nonaccrual | 1-4 family residential | Consumer
Total loans
2022/2021	0	0
2021/2020	3	2
2020/2019	3	2
2019/2018	3	4
2018/2017	4	3
Prior	27	26
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	40	37
Nonaccrual | Construction and other consumer real estate | Consumer
Total loans
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Nonaccrual | Bankcard and other revolving plans | Consumer
Total loans
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Nonaccrual | Other | Consumer
Total loans
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	$ 0	$ 0

Loans, Leases, and Allowance_12

Loans, Leases, and Allowance for Credit Losses (Summary of Selected Information on TDRs) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 264	$ 235
Percentage of total loans 3	0.50%
Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		197
Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		38
Interest rate reduction
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 4
Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	256
Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	1	7
Principal forgiveness | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		6
Principal forgiveness | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		1
Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	2	32
Payment deferral | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		29
Payment deferral | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	1	3
Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	1	74
Multiple modification types | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		65
Multiple modification types | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		9
Interest rate reduction
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		8
Interest rate reduction | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		4
Interest rate reduction | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		4
Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		53
Maturity or term extension | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		42
Maturity or term extension | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		11
Other
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		61
Other | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		51
Other | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		10
Commercial
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 69
Percentage of total loans 3	0.20%
Commercial | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		78
Commercial | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		23
Commercial | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 4
Commercial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	63
Commercial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Commercial | Principal forgiveness | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial | Principal forgiveness | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	2
Commercial | Payment deferral | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		2
Commercial | Payment deferral | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		3
Commercial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Commercial | Multiple modification types | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		40
Commercial | Multiple modification types | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		7
Commercial | Interest rate reduction | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		1
Commercial | Interest rate reduction | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		4
Commercial | Maturity or term extension | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		13
Commercial | Maturity or term extension | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial | Other | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		22
Commercial | Other | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		9
Commercial | Commercial and industrial
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 47
Percentage of total loans 3	0.30%
Commercial | Commercial and industrial | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		50
Commercial | Commercial and industrial | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		15
Commercial | Commercial and industrial | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 0
Commercial | Commercial and industrial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	46
Commercial | Commercial and industrial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Commercial | Commercial and industrial | Principal forgiveness | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial | Commercial and industrial | Principal forgiveness | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial | Commercial and industrial | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	1
Commercial | Commercial and industrial | Payment deferral | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial | Commercial and industrial | Payment deferral | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		3
Commercial | Commercial and industrial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Commercial | Commercial and industrial | Multiple modification types | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		28
Commercial | Commercial and industrial | Multiple modification types | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		3
Commercial | Commercial and industrial | Interest rate reduction | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		1
Commercial | Commercial and industrial | Interest rate reduction | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial | Commercial and industrial | Maturity or term extension | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		12
Commercial | Commercial and industrial | Maturity or term extension | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial | Commercial and industrial | Other | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		9
Commercial | Commercial and industrial | Other | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		9
Commercial | Owner-occupied
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 14
Percentage of total loans 3	0.20%
Commercial | Owner-occupied | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		28
Commercial | Owner-occupied | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		8
Commercial | Owner-occupied | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 4
Commercial | Owner-occupied | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	9
Commercial | Owner-occupied | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Commercial | Owner-occupied | Principal forgiveness | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial | Owner-occupied | Principal forgiveness | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial | Owner-occupied | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	1
Commercial | Owner-occupied | Payment deferral | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		2
Commercial | Owner-occupied | Payment deferral | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial | Owner-occupied | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Commercial | Owner-occupied | Multiple modification types | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		12
Commercial | Owner-occupied | Multiple modification types | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		4
Commercial | Owner-occupied | Interest rate reduction | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial | Owner-occupied | Interest rate reduction | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		4
Commercial | Owner-occupied | Maturity or term extension | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		1
Commercial | Owner-occupied | Maturity or term extension | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial | Owner-occupied | Other | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		13
Commercial | Owner-occupied | Other | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial | Municipal
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 8
Percentage of total loans 3	0.20%
Commercial | Municipal | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 0
Commercial | Municipal | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	8
Commercial | Municipal | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Commercial | Municipal | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Commercial | Municipal | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Commercial real estate
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 192
Percentage of total loans 3	1.40%
Commercial real estate | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		92
Commercial real estate | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		10
Commercial real estate | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 0
Commercial real estate | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	192
Commercial real estate | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Commercial real estate | Principal forgiveness | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial real estate | Principal forgiveness | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial real estate | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Commercial real estate | Payment deferral | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		27
Commercial real estate | Payment deferral | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial real estate | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Commercial real estate | Multiple modification types | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		9
Commercial real estate | Multiple modification types | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial real estate | Interest rate reduction | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		1
Commercial real estate | Interest rate reduction | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial real estate | Maturity or term extension | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		27
Commercial real estate | Maturity or term extension | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		10
Commercial real estate | Other | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		28
Commercial real estate | Other | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial real estate | Construction and land development
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 27
Percentage of total loans 3	1%
Commercial real estate | Construction and land development | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		8
Commercial real estate | Construction and land development | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 0
Commercial real estate | Construction and land development | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	27
Commercial real estate | Construction and land development | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Commercial real estate | Construction and land development | Principal forgiveness | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial real estate | Construction and land development | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Commercial real estate | Construction and land development | Payment deferral | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial real estate | Construction and land development | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Commercial real estate | Construction and land development | Multiple modification types | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		8
Commercial real estate | Construction and land development | Interest rate reduction | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial real estate | Construction and land development | Maturity or term extension | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial real estate | Construction and land development | Other | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial real estate | Term
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 165
Percentage of total loans 3	1.50%
Commercial real estate | Term | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		84
Commercial real estate | Term | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		10
Commercial real estate | Term | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 0
Commercial real estate | Term | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	165
Commercial real estate | Term | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Commercial real estate | Term | Principal forgiveness | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial real estate | Term | Principal forgiveness | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial real estate | Term | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Commercial real estate | Term | Payment deferral | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		27
Commercial real estate | Term | Payment deferral | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial real estate | Term | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Commercial real estate | Term | Multiple modification types | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		1
Commercial real estate | Term | Multiple modification types | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial real estate | Term | Interest rate reduction | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		1
Commercial real estate | Term | Interest rate reduction | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Commercial real estate | Term | Maturity or term extension | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		27
Commercial real estate | Term | Maturity or term extension | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		10
Commercial real estate | Term | Other | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		28
Commercial real estate | Term | Other | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Consumer
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 3
Percentage of total loans 3	0%
Consumer | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		27
Consumer | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		5
Consumer | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 0
Consumer | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	1
Consumer | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	1
Consumer | Principal forgiveness | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		6
Consumer | Principal forgiveness | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		1
Consumer | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Consumer | Payment deferral | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Consumer | Payment deferral | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Consumer | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	1
Consumer | Multiple modification types | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		16
Consumer | Multiple modification types | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		2
Consumer | Interest rate reduction | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		2
Consumer | Interest rate reduction | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Consumer | Maturity or term extension | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		2
Consumer | Maturity or term extension | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		1
Consumer | Other | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		1
Consumer | Other | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		1
Consumer | 1-4 family residential
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 2
Percentage of total loans 3	0%
Consumer | 1-4 family residential | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		21
Consumer | 1-4 family residential | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		4
Consumer | 1-4 family residential | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 0
Consumer | 1-4 family residential | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Consumer | 1-4 family residential | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	1
Consumer | 1-4 family residential | Principal forgiveness | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		2
Consumer | 1-4 family residential | Principal forgiveness | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Consumer | 1-4 family residential | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Consumer | 1-4 family residential | Payment deferral | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Consumer | 1-4 family residential | Payment deferral | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Consumer | 1-4 family residential | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	1
Consumer | 1-4 family residential | Multiple modification types | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		15
Consumer | 1-4 family residential | Multiple modification types | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		2
Consumer | 1-4 family residential | Interest rate reduction | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		2
Consumer | 1-4 family residential | Interest rate reduction | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Consumer | 1-4 family residential | Maturity or term extension | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		1
Consumer | 1-4 family residential | Maturity or term extension | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		1
Consumer | 1-4 family residential | Other | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		1
Consumer | 1-4 family residential | Other | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		1
Consumer | Bankcard and other revolving plans
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 1
Percentage of total loans 3	0.20%
Consumer | Bankcard and other revolving plans | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 0
Consumer | Bankcard and other revolving plans | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	1
Consumer | Bankcard and other revolving plans | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Consumer | Bankcard and other revolving plans | Payment deferral
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	0
Consumer | Bankcard and other revolving plans | Multiple modification types
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market	$ 0
Consumer | Home equity credit line | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		6
Consumer | Home equity credit line | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		1
Consumer | Home equity credit line | Principal forgiveness | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		4
Consumer | Home equity credit line | Principal forgiveness | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		1
Consumer | Home equity credit line | Payment deferral | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Consumer | Home equity credit line | Payment deferral | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Consumer | Home equity credit line | Multiple modification types | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		1
Consumer | Home equity credit line | Multiple modification types | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Consumer | Home equity credit line | Interest rate reduction | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Consumer | Home equity credit line | Interest rate reduction | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Consumer | Home equity credit line | Maturity or term extension | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		1
Consumer | Home equity credit line | Maturity or term extension | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Consumer | Home equity credit line | Other | Accruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		0
Consumer | Home equity credit line | Other | Nonaccruing
Financing Receivable, Modifications [Line Items]
Recorded investment in TDR loans modified with interest rates below market		$ 0

Loans, Leases, and Allowance_13

Loans, Leases, and Allowance for Credit Losses (Summary of Financial Impact of Loan Modifications) (Details) - Interest rate reduction	12 Months Ended
	Dec. 31, 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)	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
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average term extension (in months)	13 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)	18 months
Commercial | Municipal
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	0%
Weighted-average term extension (in months)	12 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)	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)	8 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)	18 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)	82 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)	103 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)	50 months

Loans, Leases, and Allowance_14

Loans, Leases, and Allowance for Credit Losses (Summary Aging Analysis, Modified) (Details) $ in Millions	Dec. 31, 2023 USD ($)
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	$ 264
Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	251
30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	13
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	13
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	69
Commercial | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	65
Commercial | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	4
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	4
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	47
Commercial | Commercial and industrial | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	44
Commercial | Commercial and industrial | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	3
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	3
Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	14
Commercial | Owner-occupied | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	13
Commercial | Owner-occupied | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	1
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	1
Commercial | Municipal
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	8
Commercial | Municipal | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	8
Commercial | Municipal | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Commercial | Municipal | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Commercial | Municipal | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	192
Commercial real estate | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	183
Commercial real estate | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	9
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	9
Commercial real estate | Construction and land development
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	27
Commercial real estate | Construction and land development | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	27
Commercial real estate | Construction and land development | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Commercial real estate | Construction and land development | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Commercial real estate | Construction and land development | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	165
Commercial real estate | Term | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	156
Commercial real estate | Term | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	9
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	9
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 (Collateral-Dependent Loans) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized Cost	$ 57	$ 7
Owner-occupied | Commercial | Hospital
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted Average LTV	17%
Owner-occupied | Commercial | Land, Warehouse
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized Cost	$ 7	$ 2
Weighted Average LTV		29%
Construction and land development | Commercial real estate | Office Building
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized Cost	$ 22
Weighted Average LTV	92%
Term | Commercial real estate | Office Building
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted Average LTV	87%
Term | Commercial real estate | Multi-family
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized Cost	$ 28	$ 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	Dec. 31, 2023	Sep. 30, 2023	Dec. 31, 2022
Derivative Instruments, Gain (Loss) [Line Items]
Subordinated notes, Par amount	$ 588
Derivative, notional amount	22,148		$ 24,498
Deferred gain (loss) in OCI	201
Derivative liability, fair value	333		451
Cash collateral pledged for derivative liabilities	2
Additional collateral that would be required to be pledge if credit rating was downgraded by one notch	0
Subordinated Notes, Interest Rate 3.25%
Derivative Instruments, Gain (Loss) [Line Items]
Subordinated notes, Par amount	500
Other liabilities
Derivative Instruments, Gain (Loss) [Line Items]
Derivative liability, fair value	333		451
Derivatives designated as hedges
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	6,521		9,361
Derivatives designated as hedges | Other liabilities
Derivative Instruments, Gain (Loss) [Line Items]
Derivative liability, fair value	0		1
Fair Value Hedging | Derivatives designated as hedges | Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	0		500
Fair Value Hedging | Derivatives designated as hedges | Asset hedges: Pay-fixed interest rate swaps 1
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	4,571		1,228
Fair Value Hedging | Derivatives designated as hedges | Pay-Fixed, Receive-Floating Swap
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount		$ 1,000
Fair Value Hedging | Derivatives designated as hedges | Asset Hedge, Pay-Fixed, Receive Floating Interest Rate Swap
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	1,100
Fair Value Hedging | Derivatives designated as hedges | Other liabilities | Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivative liability, fair value	0		0
Fair Value Hedging | Derivatives designated as hedges | Other liabilities | Asset hedges: Pay-fixed interest rate swaps 1
Derivative Instruments, Gain (Loss) [Line Items]
Derivative liability, fair value	0		0
Cash Flow Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Subordinated notes, Par amount	5,000
Cash Flow Hedging | Derivatives designated as hedges | Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	1,450		7,633
Cash Flow Hedging | Derivatives designated as hedges | Pay-Fixed Interest Rate Swap
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount		$ 2,500
Cash Flow Hedging | Derivatives designated as hedges | Other liabilities | Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivative liability, fair value	$ 0		$ 1

Derivative Instruments and He_4

Derivative Instruments and Hedging Activities (Notional and Recorded Fair Values) (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Derivative [Line Items]
Notional amount	$ 22,148,000	$ 24,498,000
Derivative asset, fair value	420,000	386,000
Derivative liability, fair value	333,000	451,000
Net credit valuation adjustment reducing fair value	9,000	13,000
Other assets
Derivative [Line Items]
Derivative asset, fair value	420,000	386,000
Other liabilities
Derivative [Line Items]
Derivative liability, fair value	333,000	451,000
Derivatives designated as hedging instruments
Derivative [Line Items]
Notional amount	6,521,000	9,361,000
Derivatives designated as hedging instruments | Other assets
Derivative [Line Items]
Derivative asset, fair value	78,000	84,000
Derivatives designated as hedging instruments | Other liabilities
Derivative [Line Items]
Derivative liability, fair value	0	1,000
Derivatives designated as hedging instruments | Interest rate swaps | Cash Flow Hedging
Derivative [Line Items]
Notional amount	1,450,000	7,633,000
Derivatives designated as hedging instruments | Interest rate swaps | Fair Value Hedging
Derivative [Line Items]
Notional amount	0	500,000
Derivatives designated as hedging instruments | Interest rate swaps | Other assets | Cash Flow Hedging
Derivative [Line Items]
Derivative asset, fair value	0	0
Derivatives designated as hedging instruments | Interest rate swaps | Other assets | Fair Value Hedging
Derivative [Line Items]
Derivative asset, fair value	0	0
Derivatives designated as hedging instruments | Interest rate swaps | Other liabilities | Cash Flow Hedging
Derivative [Line Items]
Derivative liability, fair value	0	1,000
Derivatives designated as hedging instruments | Interest rate swaps | Other liabilities | Fair Value Hedging
Derivative [Line Items]
Derivative liability, fair value	0	0
Derivatives designated as hedging instruments | Receive-fixed interest rate swaps | Cash Flow Hedging
Derivative [Line Items]
Notional amount	500,000	0
Derivatives designated as hedging instruments | Receive-fixed interest rate swaps | Other assets | Cash Flow Hedging
Derivative [Line Items]
Derivative asset, fair value	0	0
Derivatives designated as hedging instruments | Receive-fixed interest rate swaps | Other liabilities | Cash Flow Hedging
Derivative [Line Items]
Derivative liability, fair value	0	0
Derivatives designated as hedging instruments | Asset hedges: Pay-fixed interest rate swaps 1 | Fair Value Hedging
Derivative [Line Items]
Notional amount	4,571,000	1,228,000
Derivatives designated as hedging instruments | Asset hedges: Pay-fixed interest rate swaps 1 | Other assets | Fair Value Hedging
Derivative [Line Items]
Derivative asset, fair value	78,000	84,000
Derivatives designated as hedging instruments | Asset hedges: Pay-fixed interest rate swaps 1 | Other liabilities | Fair Value Hedging
Derivative [Line Items]
Derivative liability, fair value	0	0
Derivatives not designated as hedging instruments
Derivative [Line Items]
Notional amount	15,627,000	15,137,000
Derivatives not designated as hedging instruments | Other assets
Derivative [Line Items]
Derivative asset, fair value	342,000	302,000
Derivatives not designated as hedging instruments | Other liabilities
Derivative [Line Items]
Derivative liability, fair value	333,000	450,000
Derivatives not designated as hedging instruments | Customer interest rate derivatives
Derivative [Line Items]
Notional amount	14,375,000	13,670,000
Derivatives not designated as hedging instruments | Customer interest rate derivatives | Other assets
Derivative [Line Items]
Derivative asset, fair value	337,000	296,000
Derivatives not designated as hedging instruments | Customer interest rate derivatives | Other liabilities
Derivative [Line Items]
Derivative liability, fair value	330,000	443,000
Derivatives not designated as hedging instruments | Other interest rate derivatives
Derivative [Line Items]
Notional amount	1,001,000	862,000
Derivatives not designated as hedging instruments | Other interest rate derivatives | Other assets
Derivative [Line Items]
Derivative asset, fair value	1,000	0
Derivatives not designated as hedging instruments | Other interest rate derivatives | Other liabilities
Derivative [Line Items]
Derivative liability, fair value	0	0
Derivatives not designated as hedging instruments | Foreign exchange derivatives
Derivative [Line Items]
Notional amount	216,000	605,000
Derivatives not designated as hedging instruments | Foreign exchange derivatives | Other assets
Derivative [Line Items]
Derivative asset, fair value	3,000	6,000
Derivatives not designated as hedging instruments | Foreign exchange derivatives | Other liabilities
Derivative [Line Items]
Derivative liability, fair value	3,000	7,000
Derivatives not designated as hedging instruments | Purchased credit derivatives
Derivative [Line Items]
Notional amount	35,000	0
Derivatives not designated as hedging instruments | Purchased credit derivatives | Other assets
Derivative [Line Items]
Derivative asset, fair value	1,000	0
Derivatives not designated as hedging instruments | Purchased credit derivatives | Other liabilities
Derivative [Line Items]
Derivative liability, fair value	$ 0	$ 0

Derivative Instruments and He_5

Derivative Instruments and Hedging Activities (Derivative gain (loss) recognized/reclassified) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Derivative Instruments, Gain (Loss) [Line Items]
Amount of gain/(loss) reclassified from AOCI into income	$ (124)	$ (21)	$ 46
Gains to be reclassified within the next 12 months into interest income	118	205
Derivatives designated as hedges
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	35	(437)
Amount of gain/(loss) reclassified from AOCI into income	(165)	(27)
Net interest income or expense on fair value hedges	49	4
Hedge ineffectiveness / AOCI reclass due to missed forecast	0	(1)
Derivatives designated as hedges | Cash Flow Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Terminated or redesignated, unamortized basis adjustments	3	10
Derivatives designated as hedges | Cash Flow Hedging | Purchased interest rate floors
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	0	0
Amount of gain/(loss) reclassified from AOCI into income	0	2
Net interest income or expense on fair value hedges	0	0
Hedge ineffectiveness / AOCI reclass due to missed forecast	0	0
Derivatives designated as hedges | Cash Flow Hedging | Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	31	(437)
Amount of gain/(loss) reclassified from AOCI into income	(170)	(29)
Net interest income or expense on fair value hedges	0	0
Hedge ineffectiveness / AOCI reclass due to missed forecast	0	0
Derivatives designated as hedges | Cash Flow Hedging | Receive-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	4
Amount of gain/(loss) reclassified from AOCI into income	5
Net interest income or expense on fair value hedges	0
Hedge ineffectiveness / AOCI reclass due to missed forecast	0
Derivatives designated as hedges | Fair Value Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Terminated or redesignated, unamortized basis adjustments	46	0
Derivatives designated as hedges | Fair Value Hedging | Receive-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	0	0
Amount of gain/(loss) reclassified from AOCI into income	0	0
Net interest income or expense on fair value hedges	(5)	(1)
Hedge ineffectiveness / AOCI reclass due to missed forecast	0	0
Derivatives designated as hedges | Fair Value Hedging | Basis amortization on terminated hedges, liability hedges
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	0	0
Amount of gain/(loss) reclassified from AOCI into income	0	0
Net interest income or expense on fair value hedges	(4)	1
Hedge ineffectiveness / AOCI reclass due to missed forecast	0	0
Derivatives designated as hedges | Fair Value Hedging | Pay-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	0	0
Amount of gain/(loss) reclassified from AOCI into income	0	0
Net interest income or expense on fair value hedges	57	4
Hedge ineffectiveness / AOCI reclass due to missed forecast	0	(1)
Derivatives designated as hedges | Fair Value Hedging | Basis amortization on terminated hedges, asset hedges
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	0	0
Amount of gain/(loss) reclassified from AOCI into income	0	0
Net interest income or expense on fair value hedges	1	0
Hedge ineffectiveness / AOCI reclass due to missed forecast	$ 0	$ 0

Derivative Instruments and He_6

Derivative Instruments and Hedging Activities (Derivatives Not Designated As Hedges) (Details) - Derivatives not designated as hedging instruments - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	$ 49	$ 72
Customer interest rate derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	17	43
Other interest rate derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	4	0
Foreign exchange derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	29	29
Purchased credit derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	$ (1)	$ 0

Derivative Instruments and He_7

Derivative Instruments and Hedging Activities (Gain (loss) recorded in income) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Derivative Instruments, Gain (Loss) [Line Items]
Total income statement impact	$ (4)	$ 16	$ 14
Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives	14	(79)
Hedged items	(14)	79
Total income statement impact	0	0
Asset hedges: Pay-fixed interest rate swaps 1
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives	(22)	224
Hedged items	22	(225)
Total income statement impact	$ 0	$ (1)

Derivative Instruments and He_8

Derivative Instruments and Hedging Activities (Long-term debt hedged items) (Details) - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Derivative Instruments, Gain (Loss) [Line Items]
Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets	$ 16,000,000
Total debt securities	11,759,000,000	$ 13,538,000,000
Derivative, Amount of Hedged Item	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	12,389,000,000	1,228,000,000
Carrying amount of hedged assets	12,209,000,000	962,000,000
Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets	(180,000,000)	$ (266,000,000)
Total debt securities	$ 11,300,000,000

Leases (Narrative) (Details)

Leases (Narrative) (Details) $ in Millions	12 Months Ended
	Dec. 31, 2023 USD ($) branch	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Leases [Abstract]
Number of branches | branch	407
Number of branches owned | branch	278
Number of branches leased | branch	129
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Other assets	Other assets
Finance Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Premises, equipment and software, net	Premises, equipment and software, net
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other liabilities	Other liabilities
Finance Lease, Liability, Statement of Financial Position [Extensible List]	Long-term debt	Long-term debt
Operating lease right-of-use assets	$ 172	$ 173
ROU assets, net of amortization	3	4
Operating lease income	14	14	$ 13
Sales-type or direct financing leases	383	386
Sales-type or direct financing leases income	$ 16	$ 12	$ 11

Leases (Assets and Liabilities)

Leases (Assets and Liabilities) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Leases [Abstract]
ROU assets, net of amortization	$ 172	$ 173
Lease liabilities	198	198
ROU assets, net of amortization	3	4
Finance lease obligations	$ 4	$ 4
Weighted average remaining lease term, operating leases (in years)	8 years 8 months 12 days	8 years 4 months 24 days
Weighted average remaining lease term, finance leases (in years)	16 years 6 months	17 years 4 months 24 days
Weighted average discount rate, operating leases	3.40%	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	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Leases [Abstract]
Operating lease expense	$ 43	$ 46	$ 47
Other expenses associated with operating leases 1	60	51	50
Total lease expense	103	97	97
Related cash disbursements for operating leases	$ 49	$ 50	$ 50

Leases (Maturities Analysis) (D

Leases (Maturities Analysis) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Leases [Abstract]
2023	$ 43
2024	36
2025	31
2026	22
2027	17
Thereafter	85
Total lease payments	234
Less imputed interest	36
Lease liabilities	$ 198	$ 198

Premises, Equipment and Softw_3

Premises, Equipment and Software (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Property, Plant and Equipment [Abstract]
Land	$ 269	$ 264
Buildings	959	943
Furniture and equipment	336	346
Leasehold improvements	137	151
Software	749	730
Total	2,450	2,434
Less accumulated depreciation and amortization	1,050	1,026
Net book value	1,400	1,408
Capitalized costs	$ 40	$ 298

Goodwill and Other Intangible_3

Goodwill and Other Intangible Assets (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill impairment loss	$ 0	$ 0

Goodwill and Other Intangible_4

Goodwill and Other Intangible Assets (Schedule Of Goodwill) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Goodwill [Line Items]
Goodwill	$ 1,027	$ 1,027
Core deposits and other intangibles, net of accumulated amortization	32	38
Goodwill and intangibles	1,059	1,065
Amegy
Goodwill [Line Items]
Goodwill	615	615
CB&T
Goodwill [Line Items]
Goodwill	379	379
Zions Bank
Goodwill [Line Items]
Goodwill	20	20
Nevada State Bank
Goodwill [Line Items]
Goodwill	$ 13	$ 13

Deposits - (Categories) (Detail

Deposits - (Categories) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Other Liabilities Disclosure [Abstract]
Noninterest-bearing demand	$ 26,244	$ 35,777
Savings and money market	38,721	33,566
Time	9,996	2,309
Total deposits	$ 74,961	$ 71,652

Deposits (Scheduled Maturities

Deposits (Scheduled Maturities Of All Time Deposits) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Deposits [Abstract]
2024	$ 9,798
2025	117
2026	38
2027	22
2028	20
Thereafter	1
Total	$ 9,996	$ 2,309

Deposits (Schedule of Contractu

Deposits (Schedule of Contractual Maturities of Time Deposits With a Denomination of $100,000 and Over) (Details) $ in Millions	Dec. 31, 2023 USD ($)
Deposits [Abstract]
Three months or less	$ 576
After three months through six months	1,033
After six months through twelve months	745
After twelve months	57
Total	$ 2,411

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Deposits [Abstract]
Deposit overdrafts reclassified as loan balances	$ 11	$ 21

Short-Term Borrowings (Summary

Short-Term Borrowings (Summary of Short-Term Borrowings) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Short-term Debt [Line Items]
Year-end balance	$ 4,379	$ 10,417
Securities sold, not yet purchased	65	187
Total federal funds and other short-term borrowings	4,379	10,417
Other liabilities	1,585	1,871
Federal Home Loan Bank advances
Short-term Debt [Line Items]
Average amount outstanding	$ 4,208	$ 1,257
Average rate	5.73%	3.67%
Highest month-end balance	$ 11,525	$ 7,100
Year-end balance	$ 1,525	$ 7,100
Average rate on outstanding advances at year-end	5.59%	4.43%
Total federal funds and other short-term borrowings	$ 1,525	$ 7,100
Federal funds purchased
Short-term Debt [Line Items]
Other short-term borrowings, year-end balances	597	232
Security repurchase agreements
Short-term Debt [Line Items]
Other short-term borrowings, year-end balances	1,814	2,898
Swap Margin Collateral
Short-term Debt [Line Items]
Other short-term borrowings, year-end balances	$ 378	$ 0
Swap margin collateral		368 million

Short-Term Borrowings (Narrativ

Short-Term Borrowings (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Short-term Debt [Line Items]
Percentage of outstanding advance for unencumbered collateral	100%
Federal Reserve Bank Advances
Short-term Debt [Line Items]
Amount available for FHLB advances	$ 9,800	$ 4,000
Federal Funds Purchased and Securities Sold under Agreements to Repurchase
Short-term Debt [Line Items]
Maturity period	30 days
Federal Home Loan Bank advances
Short-term Debt [Line Items]
Amount available for FHLB advances	$ 15,000	$ 9,400

Long-Term Debt (Schedule of Lon

Long-Term Debt (Schedule of Long-Term Debt) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Long-Term Debt, Unclassified [Abstract]
Subordinated notes	$ 538	$ 519
Senior notes	0	128
Finance lease obligations	4	4
Total	$ 542	$ 651

Long-Term Debt (Narrative) (Det

Long-Term Debt (Narrative) (Details) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Mar. 31, 2023	Dec. 31, 2023	Jun. 30, 2023
Debt Instrument [Line Items]
Subordinated notes, Par amount		$ 588
SOFR
Debt Instrument [Line Items]
Annual floating rate basis spread on variable rate		4.15%
Senior Notes, Interest Rate 3.50% | Senior Notes
Debt Instrument [Line Items]
Redemption of senior debt	$ 128
Subordinated Notes, Interest Rate 3.25%
Debt Instrument [Line Items]
Subordinated notes, Par amount		$ 500
Subordinated Notes, Interest Rate 3.25% | Subordinated Debt
Debt Instrument [Line Items]
Debt interest rate		3.25%
Subordinated Notes, Interest Rate 6.95%
Debt Instrument [Line Items]
Subordinated notes, Par amount		$ 88
Subordinated Notes, Interest Rate 6.95% | Subordinated Debt
Debt Instrument [Line Items]
Debt interest rate		6.95%
Senior Note, Interest Rate 4.50 | Senior Notes
Debt Instrument [Line Items]
Debt interest rate			4.50%

Long-Term Debt (Schedule of Sub

Long-Term Debt (Schedule of Subordinated Notes) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Subordinated Borrowing [Line Items]
Subordinated notes	$ 538	$ 519
Subordinated notes, Par amount	588
Subordinated Notes, Interest Rate 6.95%
Subordinated Borrowing [Line Items]
Subordinated notes	88
Subordinated notes, Par amount	$ 88
Subordinated Notes, Interest Rate 6.95% | Subordinated Debt
Subordinated Borrowing [Line Items]
Coupon rate	6.95%
Subordinated Notes, Interest Rate 3.25%
Subordinated Borrowing [Line Items]
Subordinated notes	$ 450
Subordinated notes, Par amount	$ 500
Subordinated Notes, Interest Rate 3.25% | Subordinated Debt
Subordinated Borrowing [Line Items]
Coupon rate	3.25%

Long-Term Debt (Schedule of Mat

Long-Term Debt (Schedule of Maturities on Long-Term Debt) (Details) $ in Millions	Dec. 31, 2023 USD ($)
Long-Term Debt, Unclassified [Abstract]
2023	$ 0
2024	0
2025	0
2026	0
2027	88
Thereafter	500
Total	$ 588

Shareholders' Equity (Narrative

Shareholders' Equity (Narrative) (Details) - USD ($) $ / shares in Units, $ in Millions	1 Months Ended		3 Months Ended	12 Months Ended
	Feb. 22, 2024	Feb. 23, 2023	Dec. 31, 2022	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Schedule of Equity Method Investments [Line Items]
Preferred stock, authorized shares (in shares)			4,400,000	4,400,000	4,400,000
Liquidation preference of preferred stock (per share)				$ 1,000
Preferred stock, liquidation preference per depositary share (in dollars per share)				$ 25
Depositary share, preferred stock ownership interest				0.025%
Stock redemption						$ 126
Shares outstanding (in shares)				148,200,000
Common stock, par value (in dollars per share)			$ 0.001	$ 0.001	$ 0.001
Common stock and additional paid-in capital				$ 1,700
Common stock and additional paid-in capital decrease				$ 23
Common stock and additional paid-in capital decrease (as a percent)				1%
Common stock repurchased (in shares)		900,000			3,600,000
Fair value of stock repurchased		$ 50			$ 200
Average price per share of stock repurchased (in dollars per share)		$ 52.82			$ 56.13
Other comprehensive income (loss)				$ 420	$ (3,032)	(405)
Accumulated other comprehensive income (loss)			$ (3,112)	(2,692)	(3,112)
Transfer from available for sale to held-to-maturity, fair value			10,700	10,691
Investment securities available-for-sale transferred to held-to-maturity, at amortized cost (fair value $10,691)				0	13,097	0
Unrealized loss unamortized over the life of security				2,100
Unrealized loss unamortized over the life of security, after tax				1,500
Common stock held in trust			14	19	14
Total invested assets of trusts			114	124	114
Total obligations of trusts			$ 128	143	128
Fair value of stock repurchased				$ 51	$ 202	$ 800
Subsequent Event
Schedule of Equity Method Investments [Line Items]
Common stock repurchased (in shares)	900,000
Fair value of stock repurchased	$ 35
Average price per share of stock repurchased (in dollars per share)	$ 39.32

Shareholders' Equity (Preferred

Shareholders' Equity (Preferred Stock) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Schedule of Equity Method Investments [Line Items]
Carrying value, Preferred stock	$ 440	$ 440
Preferred stock, Authorized (in shares)	4,400,000	4,400,000
Series A | SOFR
Schedule of Equity Method Investments [Line Items]
Preferred stock dividend rate basis spread on variable rate	0.78%
Series G | SOFR
Schedule of Equity Method Investments [Line Items]
Preferred stock dividend rate basis spread on variable rate	4.50%
Series I | SOFR
Schedule of Equity Method Investments [Line Items]
Preferred stock dividend rate basis spread on variable rate	4.06%
Series J | SOFR
Schedule of Equity Method Investments [Line Items]
Preferred stock dividend rate basis spread on variable rate	4.70%
Parent | Series A
Schedule of Equity Method Investments [Line Items]
Carrying value, Preferred stock	$ 67	$ 67
Preferred stock, Authorized (in shares)	140,000,000
Preferred stock, Outstanding (in shares)	66,139,000
Preferred stock dividend rate	4%
Earliest redemption date	Dec. 15, 2011
Parent | Series G
Schedule of Equity Method Investments [Line Items]
Carrying value, Preferred stock	$ 138	138
Preferred stock, Authorized (in shares)	200,000,000
Preferred stock, Outstanding (in shares)	138,390,000
Earliest redemption date	Mar. 15, 2023
Parent | Series I
Schedule of Equity Method Investments [Line Items]
Carrying value, Preferred stock	$ 99	99
Preferred stock, Authorized (in shares)	300,893,000
Preferred stock, Outstanding (in shares)	98,555,000
Earliest redemption date	Jun. 15, 2023
Parent | Series J
Schedule of Equity Method Investments [Line Items]
Carrying value, Preferred stock	$ 136	$ 136
Preferred stock, Authorized (in shares)	195,152,000
Preferred stock, Outstanding (in shares)	136,368,000
Earliest redemption date	Sep. 15, 2023

Shareholders' Equity (Summary O

Shareholders' Equity (Summary Of Changes In Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	$ 4,893	$ 7,463	$ 7,886
Other comprehensive income before reclassifications, net of tax	88	(3,093)
Amounts reclassified from AOCI, net of tax	332	61
Other comprehensive income (loss), net of tax	420	(3,032)	(405)
Ending balance	5,691	4,893	7,463
Income tax expense included in other comprehensive income	137	(989)
Total
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(3,112)	(80)	325
Ending balance	(2,692)	(3,112)	(80)
Net unrealized gains (losses) on investment securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(2,800)	(78)
Other comprehensive income before reclassifications, net of tax	66	(2,762)
Amounts reclassified from AOCI, net of tax	208	40
Other comprehensive income (loss), net of tax	274	(2,722)
Ending balance	(2,526)	(2,800)	(78)
Income tax expense included in other comprehensive income	90	(888)
Net unrealized gains (losses) on derivatives and other
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(311)	0
Other comprehensive income before reclassifications, net of tax	22	(332)
Amounts reclassified from AOCI, net of tax	124	21
Other comprehensive income (loss), net of tax	146	(311)
Ending balance	(165)	(311)	0
Income tax expense included in other comprehensive income	47	(101)
Pension and post-retirement
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(1)	(2)
Other comprehensive income before reclassifications, net of tax	0	1
Amounts reclassified from AOCI, net of tax	0	0
Other comprehensive income (loss), net of tax	0	1
Ending balance	(1)	(1)	$ (2)
Income tax expense included in other comprehensive income	$ 0	$ 0

Shareholders' Equity (Amounts R

Shareholders' Equity (Amounts Reclassified from AOCI) (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Accumulated other comprehensive income [Line Items]
Securities gains (losses), net									$ 4	$ (15)	$ 71
Interest and fees on loans									3,196	2,112	1,935
Less: Income tax expense (benefit)									206	245	317
Net income	$ 126	$ 175	$ 175	$ 204	$ 284	$ 217	$ 203	$ 203	680	907	1,129
Net unrealized gains (losses) on derivative instruments | Amounts reclassified from AOCI
Accumulated other comprehensive income [Line Items]
Interest and fees on loans									(165)	(27)	61
Less: Income tax expense (benefit)									(41)	(6)	15
Net income									(124)	(21)	46
Net unrealized gains (losses) on investment securities | Amounts reclassified from AOCI
Accumulated other comprehensive income [Line Items]
Securities gains (losses), net									(276)	(53)	0
Less: Income tax expense (benefit)									(68)	(13)	0
Net income									$ (208)	$ (40)	$ 0

Regulatory Matters (Summary of

Regulatory Matters (Summary of Actual Capital Amounts and Ratios for the Company and Its Three Largest Subsidiary Banks) (Details) $ in Millions	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Total capital (to risk-weighted assets), Actual Amount	$ 8,553	$ 8,077
Total capital (to risk-weighted assets), Capital Ratio	0.128	0.122
Total capital (to risk-weighted assets), To be well capitalized, Amount	$ 6,693	$ 6,611
Total capital (to risk-weighted assets), To be well capitalized, Ratio	0.100	0.100
Tier 1 capital (to risk-weighted assets), Actual Amount	$ 7,303	$ 6,921
Tier 1 capital (to risk-weighted assets), Capital Ratio	0.109	0.105
Tier 1 capital (to risk-weighted assets), To be well capitalized, Amount	$ 5,355	$ 5,289
Tier 1 capital (to risk-weighted assets), To be well capitalized, Ratio	0.080	0.080
Common equity tier 1 capital (to risk-weighted assets), Actual Amount	$ 6,863	$ 6,481
Common equity tier 1 capital (to risk-weighted assets), Capital Ratio	0.103	0.098
Common equity tier 1 capital (to risk-weighted assets), To be well capitalized, Amount	$ 4,351	$ 4,297
Common equity tier 1 capital (to risk-weighted assets), To be well capitalized, Ratio	0.065	0.065
Tier 1 capital (to average assets), Actual Amount	$ 7,303	$ 6,921
Tier 1 capital (to average assets), Actual Ratio	0.083	0.077
Tier 1 capital (to average assets), To be well capitalized, Amount	$ 4,379	$ 4,472
Tier 1 capital (to average assets), To be well capitalized, Ratio	0.050	0.050

Regulatory Matters (Capital Rat

Regulatory Matters (Capital Ratios) (Details)	Dec. 31, 2023	Dec. 31, 2022
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
CETI to risk-weighted assets, Minimum capital requirement	0.045
CETI to risk-weighted assets, Capital conservation buffer	0.025
CETI to risk-weighted assets, Minimum capital ratio requirement with capital conservation buffer	0.070
CETI to risk-weighted assets, Capital ratio	0.103	0.098
Tier 1 capital CETI plus additional Tier 1 capital) to risk-weighted assets, Minimum capital requirement	0.060
Tier 1 capital CETI plus additional Tier 1 capital) to risk-weighted assets, Capital conservation buffer	0.025
Tier 1 capital CETI plus additional Tier 1 capital) to risk-weighted assets, Minimum capital ratio requirement with capital conservation buffer	0.085
Tier 1 capital CETI plus additional Tier 1 capital) to risk-weighted assets, Capital ratio	0.109	0.105
Total capital (Tier 1 capital plus Tier 2 capital) to risk-weighted assets, Minimum capital requirements	0.080
Total capital (Tier 1 capital plus Tier 2 capital) to risk-weighted assets, Capital conversion buffer	0.025
Total capital (Tier 1 capital plus Tier 2 capital) to risk-weighted assets, Minimum capital ratio requirement with capital conservation buffer	0.105
Total capital (Tier 1 capital plus Tier 2 capital) to risk-weighted assets, Capital ratio	0.128	0.122
Tier 1 capital to average consolidated assets, Minimum capital requirement	0.040
Tier 1 capital to average consolidated assets, Minimum capital requirement with buffer	4%
Tier 1 capital to average consolidated assets, Capital ratio	0.083	0.077

Commitments, Guarantees, Cont_3

Commitments, Guarantees, Contingent Liabilities, and Related Parties (Schedule of Off-Balance Sheet Financial Instruments) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Guarantor Obligations [Line Items]
Net unfunded commitments to extend credit	$ 28,940	$ 29,628
Commercial letters of credit	22	11
Mortgage-backed security purchase agreement	66	23
Total unfunded commitments	29,782	30,513
Financial
Guarantor Obligations [Line Items]
Standby letters of credit	548	667
Performance
Guarantor Obligations [Line Items]
Standby letters of credit	$ 206	$ 184

Commitments, Guarantees, Cont_4

Commitments, Guarantees, Contingent Liabilities, and Related Parties (Narrative) (Details)	12 Months Ended
	Dec. 31, 2023 USD ($) case
Guarantor Obligations [Line Items]
Commitments to extend credit expiring in one year	$ 8,000,000,000
Standby letters of credit expiring in one year	$ 754,000,000
Number of civil cases | case	2
Minimum
Guarantor Obligations [Line Items]
Limited recourse provision, period	3 months
Estimate of possible losses	$ 0
Maximum
Guarantor Obligations [Line Items]
Limited recourse provision, period	1 year
Estimate of possible losses	$ 10,000,000

Revenue Recognition (Details)

Revenue Recognition (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									$ 503	$ 495	$ 449
Other noninterest income (non-ASC 606 customer-related)									117	119	126
Total customer-related noninterest income									620	614	575
Other noncustomer-related noninterest income									57	18	128
Total noninterest income	$ 148	$ 180	$ 189	$ 160	$ 153	$ 165	$ 172	$ 142	677	632	703
Net interest income	$ 583	$ 585	$ 591	$ 679	$ 720	$ 663	$ 593	$ 544	2,438	2,520	2,208
Total net revenue									$ 3,115	3,152	2,911
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									81%
Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									$ 174	159	137
Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									146	149	135
Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									66	73	73
Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									4	4	6
Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									53	51	46
Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									60	59	52
Other
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									34	38	37
Other noninterest income (non-ASC 606 customer-related)									14	4	(6)
Total customer-related noninterest income									48	42	31
Other noncustomer-related noninterest income									17	6	109
Total noninterest income									65	48	140
Net interest income									30	31	38
Total net revenue									95	79	178
Other | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									0	2	1
Other | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									0	0	1
Other | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									0	0	1
Other | Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									4	4	6
Other | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									(1)	1	(2)
Other | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									31	31	30
Zions Bank | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									157	160	154
Other noninterest income (non-ASC 606 customer-related)									24	19	21
Total customer-related noninterest income									181	179	175
Other noncustomer-related noninterest income									11	5	10
Total noninterest income									192	184	185
Net interest income									696	741	633
Total net revenue									888	925	818
Zions Bank | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									55	53	46
Zions Bank | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									52	55	58
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)									19	22	22
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
Zions Bank | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									23	22	21
Zions Bank | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									8	8	7
CB&T | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									75	70	63
Other noninterest income (non-ASC 606 customer-related)									35	34	34
Total customer-related noninterest income									110	104	97
Other noncustomer-related noninterest income									6	4	5
Total noninterest income									116	108	102
Net interest income									598	595	536
Total net revenue									714	703	638
CB&T | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									32	28	25
CB&T | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									21	20	17
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)									11	12	12
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
CB&T | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									4	4	5
CB&T | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									7	6	4
Amegy | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									125	117	103
Other noninterest income (non-ASC 606 customer-related)									37	40	36
Total customer-related noninterest income									162	157	139
Other noncustomer-related noninterest income									22	1	2
Total noninterest income									184	158	141
Net interest income									453	513	462
Total net revenue									637	671	603
Amegy | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									56	46	40
Amegy | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									31	33	29
Amegy | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									14	16	15
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
Amegy | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									17	15	13
Amegy | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									7	7	6
NBAZ | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									37	38	31
Other noninterest income (non-ASC 606 customer-related)									2	8	13
Total customer-related noninterest income									39	46	44
Other noncustomer-related noninterest income									1	2	2
Total noninterest income									40	48	46
Net interest income									260	241	204
Total net revenue									300	289	250
NBAZ | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									10	9	7
NBAZ | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									15	15	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)									8	9	9
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
NBAZ | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									3	3	3
NBAZ | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									1	2	1
NSB | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									44	42	36
Other noninterest income (non-ASC 606 customer-related)									1	6	14
Total customer-related noninterest income									45	48	50
Other noncustomer-related noninterest income									0	0	0
Total noninterest income									45	48	50
Net interest income									191	183	146
Total net revenue									236	231	196
NSB | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									12	11	9
NSB | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									16	15	12
NSB | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									10	10	10
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
NSB | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									5	5	4
NSB | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									1	1	1
Vectra | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									25	25	21
Other noninterest income (non-ASC 606 customer-related)									3	6	12
Total customer-related noninterest income									28	31	33
Other noncustomer-related noninterest income									0	0	0
Total noninterest income									28	31	33
Net interest income									150	153	136
Total net revenue									178	184	169
Vectra | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									7	8	7
Vectra | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									9	9	6
Vectra | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									4	4	4
Vectra | Operating Segments | Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									0	0	0
Vectra | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									1	1	2
Vectra | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									4	3	2
TCBW | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									6	5	4
Other noninterest income (non-ASC 606 customer-related)									1	2	2
Total customer-related noninterest income									7	7	6
Other noncustomer-related noninterest income									0	0	0
Total noninterest income									7	7	6
Net interest income									60	63	53
Total net revenue									67	70	59
TCBW | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									2	2	2
TCBW | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									2	2	1
TCBW | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									0	0	0
TCBW | Operating Segments | Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									0	0	0
TCBW | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									1	0	0
TCBW | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)									$ 1	$ 1	$ 1

Retirement Plans (Narrative) (D

Retirement Plans (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Defined Benefit Plan Disclosure [Line Items]
Rate of employee contribution from earnings	80%
Matching contribution allocation rate first time	100%
Employee contribution rate for first time matching	3%
Matching contribution allocation rate second time	50%
Employees contribution rate for second time matching	3%
Employer contribution in common stock	$ 35	$ 33	$ 32
Minimum range of eligible compensation for noncontributory profit sharing feature	0%
Maximum range of eligible compensation for noncontributory profit sharing feature	3.50%
Accrued profit sharing expense	$ 16	19	$ 24
Supplemental Employee Retirement Plan
Defined Benefit Plan Disclosure [Line Items]
Benefit liability	9	10
Postretirement Benefits Plan
Defined Benefit Plan Disclosure [Line Items]
Benefit liability	$ 1	$ 1

Share-Based Compensation (Narra

Share-Based Compensation (Narrative) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total shares authorized under stock option and incentive plan (in shares)	4,300,000
Number of shares available for future grants of stock options or restricted stock (in shares)	2,747,546
Compensation expense not yet recognized for nonvested share-based awards	$ 34,000
Nonvested share-based awards, expected weighted average period to be recognized (in years)	2 years 4 months 24 days
Total intrinsic value of stock options exercised	$ 2,000	$ 7,000	$ 16,000
Cash received from the exercise of stock options	2,000	8,000	20,000
Aggregate intrinsic value of outstanding stock options	1,000	4,000
Aggregate intrinsic value of exercisable options	$ 1,000	3,000
Outstanding stock options, Weighted average remaining contractual life (in years)	3 years 8 months 12 days
Stock options expected to vest (in shares)	528,192
Stock options expected to vest, Weighted average exercise price (in dollars per share)	$ 57.01
Stock options expected to vest, Weighted average remaining life (in years)	5 years 4 months 24 days
Stock options expected to vest, Aggregate intrinsic value	$ 0
Total fair value at grant date of restricted stock and RSUs vested	$ 27,000	$ 25,000	$ 24,000
Stock options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expiration period	7 years
Outstanding stock options, Weighted average remaining contractual life (in years)	2 years 8 months 12 days	2 years 9 months 18 days
Restricted Stock Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
restricted stock vesting period	4 years
Ratio of common stock to share based payment award (shares)	1
Granted (in shares)	727,019	433,674	578,056
Expected to vest (in shares)	881,923
Expected to vest, Aggregate intrinsic value	$ 39,000
Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
restricted stock vesting period	4 years
Expected to vest (in shares)	35,771
Expected to vest, Aggregate intrinsic value	$ 2,000
Director | Restricted Stock Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)	39,771	16,722	16,938

Share-Based Compensation (Compe

Share-Based Compensation (Compensation Expense And Related Tax Benefit For All Share-Based Awards) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Share-Based Payment Arrangement [Abstract]
Compensation expense	$ 33	$ 30	$ 28
Reduction of income tax expense	$ 9	$ 11	$ 11

Share-Based Compensation (Weigh

Share-Based Compensation (Weighted Average Of Fair Value And Significant Assumptions Used In Applying Black-Scholes Model For Options Granted) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Share-Based Payment Arrangement [Abstract]
Weighted average value for options granted (in dollars per share)	$ 11.23	$ 15.16	$ 7.86
Expected dividend yield	3%	2.30%	2.50%
Expected volatility	27%	27%	25%
Risk-free interest rate	4%	1.98%	0.47%
Expected life (in years)	4 years 6 months	5 years	5 years

Share-Based Compensation (Summa

Share-Based Compensation (Summary of Stock Option Activity) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Number of shares
Beginning balance (in shares)	1,262,366	1,328,144	1,683,657
Granted (in shares)	291,005	201,932	345,636
Exercised (in shares)	(95,207)	(256,004)	(686,894)
Expired (in shares)	(27,948)	(8,912)	(7,910)
Forfeited (in shares)	(9,838)	(2,794)	(6,345)
Ending balance (in shares)	1,420,378	1,262,366	1,328,144
Weighted average exercise price
Beginning balance (in dollars per share)	$ 50.75	$ 44.60	$ 38.26
Granted (in dollars per share)	52.90	73.02	48.65
Exercised (in dollars per share)	29.67	36.79	31.08
Expired (in dollars per share)	35.41	37.58	42.16
Forfeited (in dollars per share)	57.07	57.75	48.04
Ending balance (in dollars per share)	$ 52.83	$ 50.75	$ 44.60
Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]
Number of shares, Outstanding stock options exercisable (in shares)	891,884	729,411	693,883
Weighted average exercise price, Outstanding stock options exercisable (in dollars per share)	$ 50.36	$ 46.02	$ 41.54

Share-Based Compensation (Sched

Share-Based Compensation (Schedule of Additional Selected Information on Stock Options) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Outstanding stock options, Number of shares (in shares)	1,420,378	1,262,366	1,328,144	1,683,657
Outstanding stock options, Weighted average exercise price (in dollars per share)	$ 52.83	$ 50.75	$ 44.60	$ 38.26
Outstanding stock options, Weighted average remaining contractual life (in years)	3 years 8 months 12 days
Exercisable stock options, Number of shares (in shares)	891,884	729,411	693,883
Exercisable stock options, Weighted average exercise price (in dollars per share)	$ 50.36	$ 46.02	$ 41.54
Stock options without a fixed expiration date (in shares)	5,223
$4.15 to $19.99
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise price range, lower range limit (in dollars per share)	$ 4.15
Exercise price range, upper range limit (in dollars per share)	$ 19.99
Outstanding stock options, Number of shares (in shares)	5,223
Outstanding stock options, Weighted average exercise price (in dollars per share)	$ 6.41
Outstanding stock options, Weighted average remaining contractual life (in years)	0 years
Exercisable stock options, Number of shares (in shares)	5,223
Exercisable stock options, Weighted average exercise price (in dollars per share)	$ 6.41
$25.00 to $29.99
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise price range, lower range limit (in dollars per share)	25
Exercise price range, upper range limit (in dollars per share)	$ 29.99
Outstanding stock options, Number of shares (in shares)	452
Outstanding stock options, Weighted average exercise price (in dollars per share)	$ 29.12
Outstanding stock options, Weighted average remaining contractual life (in years)	3 years 9 months 18 days
Exercisable stock options, Number of shares (in shares)	452
Exercisable stock options, Weighted average exercise price (in dollars per share)	$ 29.12
$40.00 to $44.99
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise price range, lower range limit (in dollars per share)	40
Exercise price range, upper range limit (in dollars per share)	$ 44.99
Outstanding stock options, Number of shares (in shares)	73,077
Outstanding stock options, Weighted average exercise price (in dollars per share)	$ 44.18
Outstanding stock options, Weighted average remaining contractual life (in years)	2 months 12 days
Exercisable stock options, Number of shares (in shares)	73,077
Exercisable stock options, Weighted average exercise price (in dollars per share)	$ 44.18
$45.00 to $49.99
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise price range, lower range limit (in dollars per share)	45
Exercise price range, upper range limit (in dollars per share)	$ 49.99
Outstanding stock options, Number of shares (in shares)	558,629
Outstanding stock options, Weighted average exercise price (in dollars per share)	$ 47.34
Outstanding stock options, Weighted average remaining contractual life (in years)	3 years 7 months 6 days
Exercisable stock options, Number of shares (in shares)	446,660
Exercisable stock options, Weighted average exercise price (in dollars per share)	$ 47.01
$50.00 to $59.99
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise price range, lower range limit (in dollars per share)	50
Exercise price range, upper range limit (in dollars per share)	$ 59.99
Outstanding stock options, Number of shares (in shares)	587,155
Outstanding stock options, Weighted average exercise price (in dollars per share)	$ 52.78
Outstanding stock options, Weighted average remaining contractual life (in years)	3 years 9 months 18 days
Exercisable stock options, Number of shares (in shares)	301,194
Exercisable stock options, Weighted average exercise price (in dollars per share)	$ 52.67
$60.00 to $73.22
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise price range, lower range limit (in dollars per share)	60
Exercise price range, upper range limit (in dollars per share)	$ 73.22
Outstanding stock options, Number of shares (in shares)	195,842
Outstanding stock options, Weighted average exercise price (in dollars per share)	$ 73.19
Outstanding stock options, Weighted average remaining contractual life (in years)	5 years
Exercisable stock options, Number of shares (in shares)	65,278
Exercisable stock options, Weighted average exercise price (in dollars per share)	$ 73.19

Share-Based Compensation (Sum_2

Share-Based Compensation (Summary of Restricted Stock Activity) (Details) - Restricted Stock - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Number of shares
Beginning balance (in shares)	60,749	64,816	57,396
Issued (in shares)	0	21,038	26,083
Vested (in shares)	(24,978)	(25,105)	(18,663)
Ending balance (in shares)	35,771	60,749	64,816
Weighted average fair value
Beginning balance (in dollars per share)	$ 48.31	$ 42.26	$ 44.20
Issued (in dollars per share)	0	60.21	39.16
Vested (in dollars per share)	46.31	42.66	43.89
Ending balance (in dollars per share)	$ 49.71	$ 48.31	$ 42.26

Share Based Compensation (Summa

Share Based Compensation (Summary of Restricted Stock Unit Activity) (Details) - Restricted Stock Units - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Number of shares
Beginning balance (in shares)	1,169,093	1,274,083	1,242,321
Granted (in shares)	727,019	433,674	578,056
Vested (in shares)	(522,163)	(504,358)	(505,690)
Forfeited (in shares)	(44,004)	(34,306)	(40,604)
Ending balance (in shares)	1,329,945	1,169,093	1,274,083
Weighted average fair value
Beginning balance (in dollars per share)	$ 53.62	$ 46.49	$ 46.31
Issued (in dollars per share)	48.85	68.07	47.02
Vested (in dollars per share)	48.71	47.83	46.51
Forfeited (in dollars per share)	56.19	56.58	47.97
Ending balance (in dollars per share)	$ 52.88	$ 53.62	$ 46.49

Income Taxes (Schedule of Incom

Income Taxes (Schedule of Income Tax Expense (Benefit)) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Federal:
Current	$ 168	$ 236	$ 230
Deferred	0	(38)	27
Total Federal	168	198	257
State:
Current	47	52	55
Deferred	(9)	(5)	5
Total State	38	47	60
Total income tax expense	$ 206	$ 245	$ 317

Income Taxes (Schedule of Statu

Income Taxes (Schedule of Statutory Federal Income Tax Rate Reconciles to Actual Income Tax Expense (Benefit)) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Income tax expense at statutory federal rate	$ 186	$ 242	$ 304
State income taxes including credits, net	31	38	48
Other nondeductible expenses	29	13	8
Nontaxable income	(41)	(40)	(36)
Share-based compensation	(1)	(4)	(3)
Other	2	(4)	(4)
Total income tax expense	$ 206	$ 245	$ 317

Income Taxes (Schedule of Tax E

Income Taxes (Schedule of Tax Effects of Deferred Tax Assets and Deferred Tax Liabilities) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Gross deferred tax assets:
Book loan loss deduction in excess of tax	$ 181	$ 157
Deferred compensation	81	83
Security investments and derivative fair value adjustments	879	1,011
Lease liabilities	50	49
Capitalized costs	37	82
Other	48	29
Total deferred tax assets before valuation allowance	1,276	1,411
Valuation allowance	0	0
Total deferred tax assets	1,276	1,411
Gross deferred tax liabilities:
Premises and equipment, due to differences in depreciation	(101)	(99)
Federal Home Loan Bank stock dividends	(3)	(2)
Leasing operations	(49)	(49)
Prepaid expenses	(5)	(5)
Prepaid pension reserves	0	(3)
Mortgage servicing	(5)	(12)
Deferred loan costs	(34)	(34)
ROU assets	(43)	(44)
Qualified opportunity fund deferred gains	(27)	(26)
Equity investments	(10)	(9)
Total deferred tax liabilities	(277)	(283)
Net deferred tax assets (liabilities)	$ 999	$ 1,128

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2020
Income Tax Contingency [Line Items]
Valuation allowance	$ 0	$ 0
Unrecognized tax benefits that would impact effective tax rate	13	12
Income tax penalties and interest accrued	2	$ 1
Unrecognized tax benefit on technology initiatives			$ 8
Maximum
Income Tax Contingency [Line Items]
Tax effect of remaining net operating loss and tax credit carryforward	$ 1

Income Taxes (Schedule of Recon

Income Taxes (Schedule of Reconciliation of Gross Unrecognized Tax Benefits) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Balance at beginning of year	$ 13	$ 14	$ 11
Tax positions related to current year, Additions	2	2	2
Tax positions related to prior years, Additions	10	0	1
Settlements with taxing authorities	(3)	0	0
Tax positions related to prior years, Reductions	0	(1)	0
Lapses in statutes of limitations	(7)	(2)	0
Balance at end of year	$ 15	$ 13	$ 14

Net Earnings Per Common Share_2

Net Earnings Per Common Share (Basic And Diluted Net Earnings Per Common Share Based On The Weighted Average Outstanding Shares) (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Basic:
Net income	$ 126	$ 175	$ 175	$ 204	$ 284	$ 217	$ 203	$ 203	$ 680	$ 907	$ 1,129
Less common and preferred dividends									277	269	261
Less impact from redemption of preferred stock									0	0	3
Undistributed earnings									403	638	865
Less undistributed earnings applicable to nonvested shares									4	5	7
Undistributed earnings applicable to common shares									399	633	858
Distributed earnings applicable to common shares									243	237	230
Total earnings applicable to common shares									$ 642	$ 870	$ 1,088
Weighted average common shares outstanding (in shares)									147,748	150,064	159,913
Net earnings per common share (in dollars per share)	$ 0.78	$ 1.13	$ 1.11	$ 1.33	$ 1.84	$ 1.40	$ 1.29	$ 1.27	$ 4.35	$ 5.80	$ 6.80
Diluted:
Dilutive effect of stock options (in shares)									8	207	321
Weighted average diluted common shares outstanding (in shares)									147,756	150,271	160,234
Net earnings per common share (in dollars per share)	$ 0.78	$ 1.13	$ 1.11	$ 1.33	$ 1.84	$ 1.40	$ 1.29	$ 1.27	$ 4.35	$ 5.79	$ 6.79

Net Earnings Per Common Share_3

Net Earnings Per Common Share (Stock Awards That Were Anti-Dilutive) (Details) - shares shares in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
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)	1,383	1,265	1,374
Stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share (in shares)	1,409	178	74

Operating Segment Information_2

Operating Segment Information (Details) $ in Millions	1 Months Ended	3 Months Ended								12 Months Ended
	Jul. 31, 2022 branch	Dec. 31, 2023 USD ($) branch	Sep. 30, 2023 USD ($)	Jun. 30, 2023 USD ($)	Mar. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)	Sep. 30, 2022 USD ($)	Jun. 30, 2022 USD ($)	Mar. 31, 2022 USD ($)	Dec. 31, 2023 USD ($) branch segment	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Segment Reporting Information [Line Items]
Number of bank operating segments | segment										7
Number of branches | branch		407								407
Total deposits		$ 74,961				$ 71,652				$ 74,961	$ 71,652
Loans held for investment, net of allowance		57,095				55,078				57,095	55,078
Net interest income		583	$ 585	$ 591	$ 679	720	$ 663	$ 593	$ 544	2,438	2,520	$ 2,208
Provision for credit losses		0	41	46	45	43	71	41	(33)	132	122	(276)
Net interest income after provision for credit losses										2,306	2,398	2,484
Noninterest income		148	180	189	160	153	165	172	142	677	632	703
Noninterest expense		581	496	508	512	471	479	464	464	2,097	1,878	1,741
Income (loss) before income taxes		$ 150	$ 228	$ 226	$ 282	$ 359	$ 278	$ 260	$ 255	886	1,152	1,446
Total average loans										56,740	52,598	51,983
Total average deposits										72,866	78,529	76,257
Other
Segment Reporting Information [Line Items]
Net interest income										30	31	38
Provision for credit losses										(2)	0	1
Net interest income after provision for credit losses										32	31	37
Noninterest income										65	48	140
Noninterest expense										224	226	201
Income (loss) before income taxes										(127)	(147)	(24)
Total average loans										1,044	922	857
Total average deposits										6,161	1,166	1,475
Zions Bank | Operating Segments
Segment Reporting Information [Line Items]
Net interest income										696	741	633
Provision for credit losses										20	43	(26)
Net interest income after provision for credit losses										676	698	659
Noninterest income										192	184	185
Noninterest expense										557	495	464
Income (loss) before income taxes										311	387	380
Total average loans										14,298	13,277	13,198
Total average deposits										20,233	24,317	23,588
CB&T | Operating Segments
Segment Reporting Information [Line Items]
Net interest income										598	595	536
Provision for credit losses										44	49	(78)
Net interest income after provision for credit losses										554	546	614
Noninterest income										116	108	102
Noninterest expense										388	340	311
Income (loss) before income taxes										282	314	405
Total average loans										14,128	13,129	12,892
Total average deposits										14,253	16,160	15,796
Amegy | Operating Segments
Segment Reporting Information [Line Items]
Net interest income										453	513	462
Provision for credit losses										15	5	(96)
Net interest income after provision for credit losses										438	508	558
Noninterest income										184	158	141
Noninterest expense										404	355	337
Income (loss) before income taxes										218	311	362
Total average loans										12,851	12,110	12,189
Total average deposits										13,569	15,735	15,496
NBAZ | Operating Segments
Segment Reporting Information [Line Items]
Net interest income										260	241	204
Provision for credit losses										4	11	(27)
Net interest income after provision for credit losses										256	230	231
Noninterest income										40	48	46
Noninterest expense										189	167	151
Income (loss) before income taxes										107	111	126
Total average loans										5,318	4,911	4,849
Total average deposits										7,008	8,035	7,288
NSB | Operating Segments
Segment Reporting Information [Line Items]
Net interest income										191	183	146
Provision for credit losses										42	4	(35)
Net interest income after provision for credit losses										149	179	181
Noninterest income										45	48	50
Noninterest expense										171	151	142
Income (loss) before income taxes										23	76	89
Total average loans										3,392	2,987	3,015
Total average deposits										6,964	7,436	6,691
Vectra | Operating Segments
Segment Reporting Information [Line Items]
Net interest income										150	153	136
Provision for credit losses										7	9	(12)
Net interest income after provision for credit losses										143	144	148
Noninterest income										28	31	33
Noninterest expense										137	120	114
Income (loss) before income taxes										34	55	67
Total average loans										4,004	3,632	3,414
Total average deposits										3,482	4,109	4,386
TCBW | Operating Segments
Segment Reporting Information [Line Items]
Net interest income										60	63	53
Provision for credit losses										2	1	(3)
Net interest income after provision for credit losses										58	62	56
Noninterest income										7	7	6
Noninterest expense										27	24	21
Income (loss) before income taxes										38	45	41
Total average loans										1,705	1,630	1,569
Total average deposits										$ 1,196	$ 1,571	$ 1,537
Utah | Zions Bank
Segment Reporting Information [Line Items]
Number of branches | branch		95								95
Idaho | Zions Bank
Segment Reporting Information [Line Items]
Number of branches | branch		25								25
Wyoming | Zions Bank
Segment Reporting Information [Line Items]
Number of branches | branch		1								1
California | CB&T
Segment Reporting Information [Line Items]
Number of branches | branch		75								75
Texas | Amegy
Segment Reporting Information [Line Items]
Number of branches | branch		75								75
Arizona | NBAZ
Segment Reporting Information [Line Items]
Number of branches | branch		56								56
Nevada | NSB
Segment Reporting Information [Line Items]
Number of branches | branch		43								43
Number of Branches Purchased | branch	3
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

Quarterly Financial Informati_3

Quarterly Financial Information (Unaudited) (Financial Information by Quarter) (Details) - USD ($) $ / shares in Units, $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Quarterly Financial Information Disclosure [Abstract]
Total interest income	$ 1,040	$ 1,010	$ 977	$ 920	$ 835	$ 707	$ 608	$ 555	$ 3,947	$ 2,705	$ 2,267
Net interest income	583	585	591	679	720	663	593	544	2,438	2,520	2,208
Provision for credit losses	0	41	46	45	43	71	41	(33)	132	122	(276)
Noninterest income	148	180	189	160	153	165	172	142	677	632	703
Noninterest expense	581	496	508	512	471	479	464	464	2,097	1,878	1,741
Income (loss) before income taxes	150	228	226	282	359	278	260	255	886	1,152	1,446
Net income	126	175	175	204	284	217	203	203	680	907	1,129
Preferred stock dividends	10	7	9	6	7	6	8	8	32	29	29
Net earnings applicable to common shareholders	$ 116	$ 168	$ 166	$ 198	$ 277	$ 211	$ 195	$ 195	$ 648	$ 878	$ 1,100
Net earnings per common share:
Basic (in dollars per share)	$ 0.78	$ 1.13	$ 1.11	$ 1.33	$ 1.84	$ 1.40	$ 1.29	$ 1.27	$ 4.35	$ 5.80	$ 6.80
Diluted (in dollars per share)	$ 0.78	$ 1.13	$ 1.11	$ 1.33	$ 1.84	$ 1.40	$ 1.29	$ 1.27	$ 4.35	$ 5.79	$ 6.79

Uncategorized Items - zions-202

Label	Element	Value
Loans Assumed	us-gaap_LoansAssumed1	$ 95,000,000
Noncash Or Part Noncash Acquisition, Deposits Acquired	zions_NoncashOrPartNoncashAcquisitionDepositsAcquired	$ 430,000,000