Zions Bancorporation, National Association (ZION) 10-Q 8 May 24 2024 Q1 Quarterly report Financial data

Cover

Cover - shares	3 Months Ended
	Mar. 31, 2024	Apr. 30, 2024
Document Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2024
Document Transition Report	false
Entity File Number	001-12307
Entity Registrant Name	ZIONS BANCORPORATION, NATIONAL ASSOCIATION
Entity Incorporation, State or Country Code	X1
Entity Tax Identification Number	87-0189025
Entity Address, Address Line One	One South Main
Entity Address, City or Town	Salt Lake City,
Entity Address, State or Province	UT
Entity Address, Postal Zip Code	84133-1109
City Area Code	801
Local Phone Number	844-8208
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		147,654,732
Amendment Flag	false
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q1
Current Fiscal Year End Date	--12-31
Entity Central Index Key	0000109380
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
Fixed-to-Floating Rate Subordinated Notes
Document Information [Line Items]
Title of 12(b) Security	6.95% Fixed-to-Floating Rate Subordinated Notes due September 15, 2028
Trading Symbol	ZIONL
Security Exchange Name	NASDAQ

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 709	$ 716
Money market investments:
Interest-bearing deposits	1,688	1,488
Federal funds sold and securities purchased under agreements to resell	894	937
Investment securities:
Held-to-maturity, at amortized cost (fair value: $10,105 and $10,466)	10,209	10,382
Available-for-sale, at fair value	9,931	10,300
Trading, at fair value	59	48
Total investment securities	20,199	20,730
Loans held for sale	12	53
Loans and leases, net of unearned income and fees	58,109	57,779
Less allowance for loan and lease losses	699	684
Loans held for investment, net of allowance	57,410	57,095
Other noninterest-bearing investments	922	950
Premises, equipment and software, net	1,396	1,400
Goodwill and intangibles	1,057	1,059
Other real estate owned	6	6
Other assets	2,767	2,769
Total assets	87,060	87,203
Deposits:
Noninterest-bearing demand	25,137	26,244
Interest-bearing:
Savings and money market	38,879	38,721
Time	10,221	9,996
Total deposits	74,237	74,961
Federal funds and other short-term borrowings	4,895	4,379
Long-term debt	544	542
Reserve for unfunded lending commitments	37	45
Other liabilities	1,518	1,585
Total liabilities	81,231	81,512
Shareholders’ equity:
Preferred stock, without par value; authorized 4,400 shares	440	440
Additional Paid in Capital	1,705	1,731
Retained earnings	6,293	6,212
Accumulated other comprehensive income (loss)	(2,609)	(2,692)
Total shareholders’ equity	5,829	5,691
Total liabilities and shareholders’ equity	$ 87,060	$ 87,203

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) shares in Thousands, $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Investment securities:
Held-to-maturity, Estimated fair value	$ 10,105	$ 10,466
Shareholders’ equity:
Preferred stock, shares authorized (in shares)	4,400	4,400
Common stock, par value (in dollars per share)	$ 0.001	$ 0.001
Common stock, shares authorized (in shares)	350,000	350,000
Common stock, shares issued (in shares)	147,653	148,153
Common stock, outstanding shares (in shares)	147,653	148,153

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest income:
Interest and fees on loans	$ 865	$ 726
Interest on money market investments	47	57
Interest on securities	142	137
Total interest income	1,054	920
Interest expense:
Interest on deposits	376	82
Interest on short- and long-term borrowings	92	159
Total interest expense	468	241
Net interest income	586	679
Provision for credit losses:
Provision for loan and lease losses	21	46
Provision for unfunded lending commitments	(8)	(1)
Total provision for credit losses	13	45
Net interest income after provision for credit losses	573	634
Noninterest income:
Commercial account fees	44	43
Card fees	23	24
Retail and business banking fees	16	16
Loan-related fees and income	15	21
Capital markets fees	24	17
Wealth management fees	15	15
Other customer-related fees	14	15
Customer-related noninterest income	151	151
Fair value and nonhedge derivative income	1	(3)
Dividends and other income (loss)	6	11
Securities gains (losses), net	(2)	1
Total noninterest income	156	160
Noninterest expense:
Salaries and employee benefits	331	339
Technology, telecom, and information processing	62	55
Occupancy and equipment, net	39	40
Professional and legal services	16	13
Marketing and business development	10	12
Deposit insurance and regulatory expense	34	18
Credit-related expense	7	6
Other	27	29
Total noninterest expense	526	512
Income before income taxes	203	282
Income taxes	50	78
Net income	153	204
Preferred stock dividends	(10)	(6)
Net earnings applicable to common shareholders	$ 143	$ 198
Weighted average common shares outstanding during the period:
Basic shares (in shares)	147,338	148,015
Diluted shares (in shares)	147,343	148,038
Earnings Per Share [Abstract]
Basic (in dollars per share)	$ 0.96	$ 1.33
Diluted (in dollars per share)	$ 0.96	$ 1.33

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Statement of Comprehensive Income [Abstract]
Net income for the period	$ 153	$ 204
Other comprehensive income, net of tax:
Net unrealized holding gains (losses) on investment securities	12	77
Unrealized loss amortization associated with the securities transferred from AFS to HTM	46	49
Net unrealized holding gains (losses) on derivative instruments	(1)	29
Reclassification adjustment for decrease in interest income recognized in earnings on derivative instruments	26	37
Other comprehensive income, net of tax	83	192
Comprehensive income	$ 236	$ 396

Consolidated Statements of Chan

Consolidated Statements of Changes In Shareholders' Equity - USD ($) shares in Thousands, $ in Millions	Total	Cumulative effect adjustment, due to adoption of ASU 2022-02, net of tax	Preferred stock	Common stock shares (in thousands)	Accumulated paid-in capital	Retained earnings	Retained earnings Cumulative effect adjustment, due to adoption of ASU 2022-02, net of tax	Accumulated other comprehensive income (loss)
Balance at beginning of period at Dec. 31, 2022	$ 4,893		$ 440		$ 1,754	$ 5,811		$ (3,112)
Balance at beginning of period (in shares) at Dec. 31, 2022				148,664
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income for the period	204					204
Other comprehensive income (loss), net of tax	192							192
Bank common stock repurchased (in shares)				(953)
Bank common stock repurchased	(50)				(50)
Net activity under employee plans and related tax benefits (in shares)				389
Net activity under employee plans and related tax benefits	11				11
Dividends on preferred stock	(6)					(6)
Dividends on common stock	(61)					(61)
Change in deferred compensation	(1)					(1)
Balance at end of period at Mar. 31, 2023	5,184	$ 2	440		1,715	5,949	$ 2	(2,920)
Balance at end of period (in shares) at Mar. 31, 2023				148,100
Balance at beginning of period at Dec. 31, 2023	$ 5,691		440		1,731	6,212		(2,692)
Balance at beginning of period (in shares) at Dec. 31, 2023	148,153			148,153
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income for the period	$ 153					153
Other comprehensive income (loss), net of tax	$ 83							83
Bank common stock repurchased (in shares)	(900)			(890)
Bank common stock repurchased	$ (35)				(35)
Net activity under employee plans and related tax benefits (in shares)				390
Net activity under employee plans and related tax benefits	9				9
Dividends on preferred stock	(10)					(10)
Dividends on common stock	(61)					(61)
Change in deferred compensation	(1)					(1)
Balance at end of period at Mar. 31, 2024	$ 5,829		$ 440		$ 1,705	$ 6,293		$ (2,609)
Balance at end of period (in shares) at Mar. 31, 2024	147,653			147,653

Consolidated Statements of Ch_2

Consolidated Statements of Changes In Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Statement of Stockholders' Equity [Abstract]
Dividends on common stock (in dollars per share)	$ 0.41	$ 0.41

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 153	$ 204
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	13	45
Depreciation and amortization	32	36
Share-based compensation	16	17
Deferred income tax expense	22	6
Net decrease (increase) in trading securities	(11)	77
Net decrease in loans held for sale	41	7
Change in other liabilities	(77)	(529)
Change in other assets	76	362
Other, net	(4)	(4)
Net cash provided by operating activities	261	221
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease (increase) in money market investments	(157)	727
Proceeds from maturities and paydowns of investment securities held-to-maturity	232	237
Purchases of investment securities held-to-maturity	0	(10)
Proceeds from sales, maturities, and paydowns of investment securities available-for-sale	480	583
Purchases of investment securities available-for-sale	(182)	(138)
Net change in loans and leases	(321)	(738)
Purchases and sales of other noninterest-bearing investments	25	(37)
Purchases of premises and equipment	(30)	(31)
Other, net	6	(2)
Net cash provided by investing activities	53	591
CASH FLOWS FROM FINANCING ACTIVITIES
Net decrease in deposits	(724)	(2,445)
Net change in short-term borrowed funds	516	1,707
Proceeds from the issuance of common stock	0	2
Dividends paid on common and preferred stock	(71)	(69)
Bank common stock repurchased	(35)	(50)
Other, net	(7)	(7)
Net cash used in financing activities	(321)	(862)
Net decrease in cash and due from banks	(7)	(50)
Cash and due from banks at beginning of period	716	657
Cash and due from banks at end of period	709	607
Cash paid for interest	491	224
Net cash paid for income taxes	0	0
Noncash activities:
Loans held for investment reclassified to loans held for sale, net	$ 12	$ 47

Basis of Presentation

Basis of Presentation	3 Months Ended
	Mar. 31, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
BASIS OF PRESENTATION	BASIS OF PRESENTATION The accompanying unaudited consolidated financial statements of Zions Bancorporation, National Association and its majority-owned subsidiaries (collectively “Zions Bancorporation, N.A.,” “the Bank,” “we,” “our,” “us”) have been prepared in accordance with United States (“U.S.”) generally accepted accounting principles (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. References to GAAP, including standards promulgated by the Financial Accounting Standards Board (“FASB”), are made according to sections of the Accounting Standards Codification (“ASC”). The results of operations for the three months ended March 31, 2024 and 2023 are not necessarily indicative of the results that may be expected in future periods. In preparing the consolidated financial statements, we are required to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying Notes. Actual results could differ from those estimates. For further information, refer to the consolidated financial statements and accompanying footnotes included in our 2023 Form 10-K. We evaluated events that occurred between March 31, 2024 and the date the accompanying financial statements were issued, and determined that there were no material events that would require adjustments to our consolidated financial statements or significant disclosure in the accompanying Notes. Zions Bancorporation, N.A. is a commercial bank headquartered in Salt Lake City, Utah. We provide a wide range of banking products and related services in 11 Western and Southwestern states through seven separately managed bank divisions, which we refer to as “affiliates,” or “affiliate banks,” each with its own local branding and management team. These include Zions Bank, in Utah, Idaho, and Wyoming; California Bank & Trust (“CB&T”); Amegy Bank (“Amegy”), in Texas; National Bank of Arizona (“NBAZ”); Nevada State Bank (“NSB”); Vectra Bank Colorado (“Vectra”), in Colorado and New Mexico; and The Commerce Bank of Washington (“TCBW”) which operates under that name in Washington and under the name The Commerce Bank of Oregon in Oregon.

Recent Accounting Pronouncement

Recent Accounting Pronouncements	3 Months Ended
	Mar. 31, 2024
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 March 31, 2024 ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures This Accounting Standards Update (“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, related tax risks, and tax planning 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 provides additional information for reconciling items that meet a quantitative threshold. January 1, 2025 The overall effect of this standard is not expected to have a material impact on our financial statements. Standards adopted by the Bank during the first quarter of 2024 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 We adopted the new standard on January 1, 2024. The adoption of this standard did not have a material effect 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 in the income statement as a component of income tax expense (benefit). This ASU allows for an accounting policy election to apply PAM on a tax-credit-program-by-tax-credit-program basis. The ASU also includes additional disclosure requirements about equity investments accounted for using PAM. January 1, 2024 We adopted the new standard on January 1, 2024. The adoption of this standard did not have a material effect on our financial statements.

Fair Value

Fair Value	3 Months Ended
	Mar. 31, 2024
Fair Value Disclosures [Abstract]
FAIR VALUE	FAIR VALUE Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. For more information about our valuation methodologies for assets and liabilities measured at fair value and the fair value hierarchy, see Note 3 of our 2023 Form 10-K. Fair Value Hierarchy The following schedule presents assets and liabilities measured at fair value on a recurring basis: (In millions) March 31, 2024 Level 1 Level 2 Level 3 Total ASSETS Available-for-sale securities: U.S. Treasury, agencies, and corporations $ 481 $ 8,167 $ — $ 8,648 Municipal securities 1,259 1,259 Other debt securities 24 24 Total available-for-sale 481 9,450 — 9,931 Trading securities 59 59 Other noninterest-bearing investments: Bank-owned life insurance 555 555 Private equity investments 1 3 98 101 Other assets: Agriculture loan servicing 19 19 Deferred compensation plan assets 130 130 Derivatives 481 481 Total assets $ 614 $ 10,545 $ 117 $ 11,276 LIABILITIES Securities sold, not yet purchased $ 76 $ — $ — $ 76 Other liabilities: Derivatives 388 388 Total liabilities $ 76 $ 388 $ — $ 464 1 The Level 1 private equity investments (“PEIs”) relate to the portion of our Small Business Investment Company (“SBIC”) investments that are publicly traded. (In millions) December 31, 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. Level 3 Valuations Our Level 3 financial instruments include PEIs and agriculture loan servicing. For additional information regarding our Level 3 financial instruments, including the methods and significant assumptions used to estimate their fair value, see Note 3 of our 2023 Form 10-K. 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 Three Months Ended March 31, 2024 March 31, 2023 (In millions) Private equity investments Ag loan servicing Private equity investments Ag loan servicing Balance at beginning of period $ 92 $ 19 $ 81 $ 14 Other noninterest income (expense) — — — 4 Purchases 7 — 1 — Cost of investments sold (1) — — — Transfers out — — — — Balance at end of period $ 98 $ 19 $ 82 $ 18 The roll-forward of Level 3 instruments includes the following realized gains and losses recognized in “Securities gains (losses), net” on the consolidated statement of income for the periods presented: (In millions) Three Months Ended March 31, 2024 March 31, 2023 Securities gains (losses), net $ 2 $ — Nonrecurring Fair Value Measurements Certain assets and liabilities may be measured at fair value on a nonrecurring basis, including impaired loans that have been measured based on the fair value of the underlying collateral, other real estate owned (“OREO”), and equity investments without readily determinable fair values. Nonrecurring fair value adjustments generally include changes in value resulting from observable price changes for equity investments without readily determinable fair values, write-downs of individual assets, or the application of lower of cost or fair value accounting. At March 31, 2024, we had $2 million of collateral-dependent loans classified in Level 2, and we recognized less than $1 million of losses from fair value changes related to these loans. For additional information regarding assets and liabilities measured at fair value on a nonrecurring basis, see Note 3 of our 2023 Form 10-K. Fair Value of Certain Financial Instruments The following schedule presents the carrying values and estimated fair values of certain financial instruments: March 31, 2024 December 31, 2023 (In millions) Carrying Fair value Level Carrying Fair value Level Financial assets: Held-to-maturity investment securities $ 10,209 $ 10,105 2 $ 10,382 $ 10,466 2 Loans and leases (including loans held for sale), net of allowance 57,422 55,502 3 57,148 54,832 3 Financial liabilities: Time deposits 10,221 10,179 2 9,996 9,964 2 Long-term debt 544 498 2 542 494 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. For additional information regarding the financial instruments within the scope of this disclosure, and the methods and significant assumptions used to estimate their fair value, see Note 3 of our 2023 Form 10-K.

Offsetting Assets and Liabiliti

Offsetting Assets and Liabilities	3 Months Ended
	Mar. 31, 2024
Offsetting [Abstract]
OFFSETTING ASSETS AND LIABILITIES	OFFSETTING ASSETS AND LIABILITIES The following schedules present gross and net information for selected financial instruments on the balance sheet: March 31, 2024 Gross amounts not offset on the balance sheet (In millions) 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 $ 1,315 $ (421) $ 894 $ — $ — $ 894 Derivatives (included in other assets) 481 — 481 (12) (455) 14 Total assets $ 1,796 $ (421) $ 1,375 $ (12) $ (455) $ 908 Liabilities: Federal funds and other short-term borrowings $ 5,316 $ (421) $ 4,895 $ — $ — $ 4,895 Derivatives (included in other liabilities) 388 — 388 (12) — 376 Total liabilities $ 5,704 $ (421) $ 5,283 $ (12) $ — $ 5,271 December 31, 2023 Gross amounts not offset on the balance sheet (In millions) 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 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	3 Months Ended
	Mar. 31, 2024
Investments [Abstract]
INVESTMENTS	INVESTMENTS Investment Securities Investment securities are classified as held-to-maturity (“HTM”), available-for-sale (“AFS”), or trading. HTM securities, which management has the intent and ability to hold until maturity, are carried at amortized cost. The amortized cost amounts represent the original cost of the investments, adjusted for related amortization or accretion of any purchase premiums or discounts, and for any impairment losses, including credit-related impairment. AFS securities are carried at fair value, and changes in fair value (unrealized gains and losses) are reported as net increases or decreases to accumulated other comprehensive income (“AOCI”), net of related taxes. Trading securities are carried at fair value with gains and losses recognized in current period earnings. The carrying values of our securities do not include accrued interest receivables of $58 million and $65 million at March 31, 2024 and December 31, 2023, respectively. These receivables are included in “Other assets” on the consolidated balance sheet. 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 discount associated with securities previously transferred from AFS to HTM was $2.0 billion ($1.5 billion after tax) at March 31, 2024. See Notes 3 and 5 of our 2023 Form 10-K for more information regarding our process to estimate the fair value and accounting for our investment securities, respectively. The following schedule presents the amortized cost and estimated fair values of our HTM and AFS securities: March 31, 2024 (In millions) Amortized Gross unrealized gains 1 Gross unrealized losses Estimated Held-to-maturity U.S. Government agencies and corporations: Agency securities $ 92 $ — $ 7 $ 85 Agency guaranteed mortgage-backed securities 9,776 17 97 9,696 Municipal securities 341 — 17 324 Total held-to-maturity 10,209 17 121 10,105 Available-for-sale U.S. Treasury securities 584 — 103 481 U.S. Government agencies and corporations: Agency securities 629 — 33 596 Agency guaranteed mortgage-backed securities 8,335 — 1,282 7,053 Small Business Administration loan-backed securities 543 — 25 518 Municipal securities 1,336 — 77 1,259 Other debt securities 25 — 1 24 Total available-for-sale 11,452 — 1,521 9,931 Total HTM and AFS investment securities $ 21,661 $ 17 $ 1,642 $ 20,036 December 31, 2023 (In millions) Amortized Gross unrealized gains 1 Gross unrealized losses 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 debt securities 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. Maturities The following schedule presents the amortized cost and weighted average yields of debt securities by contractual maturity of principal payments at March 31, 2024. 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. March 31, 2024 Total Due in one year or less Due after one year through five years Due after five years through ten years Due after ten years (Dollar amounts in millions) Amortized cost Average yield Amortized cost Average yield Amortized cost Average yield Amortized cost Average yield Amortized cost Average yield Held-to-maturity U.S. Government agencies and corporations: Agency securities $ 92 3.52 % $ — — % $ — — % $ — — % $ 92 3.52 % Agency guaranteed mortgage-backed securities 9,776 1.85 — — — — 44 1.93 9,732 1.85 Municipal securities 1 341 3.19 30 2.86 129 2.91 154 3.49 28 3.17 Total held-to-maturity securities 10,209 1.91 30 2.86 129 2.91 198 3.14 9,852 1.87 Available-for-sale U.S. Treasury securities 584 3.25 183 5.22 — — — — 401 2.35 U.S. Government agencies and corporations: Agency securities 629 2.59 142 1.55 122 2.74 202 2.84 163 3.09 Agency guaranteed mortgage-backed securities 8,335 2.02 5 1.28 150 1.70 1,412 2.12 6,768 2.01 Small Business Administration loan-backed securities 543 5.53 1 4.92 20 6.33 138 4.43 384 5.88 Municipal securities 1 1,336 2.18 147 2.72 408 2.56 713 1.85 68 2.30 Other debt securities 25 8.78 — — 10 9.52 — — 15 8.29 Total available-for-sale securities 11,452 2.32 478 3.32 710 2.61 2,465 2.23 7,799 2.26 Total HTM and AFS investment securities $ 21,661 2.12 % $ 508 3.29 % $ 839 2.66 % $ 2,663 2.30 % $ 17,651 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: March 31, 2024 Less than 12 months 12 months or more Total (In millions) Gross Estimated Gross Estimated Gross Estimated Available-for-sale U.S. Treasury securities $ — $ 10 $ 103 $ 298 $ 103 $ 308 U.S. Government agencies and corporations: Agency securities — — 33 579 33 579 Agency guaranteed mortgage-backed securities 73 312 1,209 6,665 1,282 6,977 Small Business Administration loan-backed securities — 3 25 460 25 463 Municipal securities 1 83 76 1,154 77 1,237 Other — — 1 14 1 14 Total available-for-sale investment securities $ 74 $ 408 $ 1,447 $ 9,170 $ 1,521 $ 9,578 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 At March 31, 2024 and December 31, 2023, approximately 2,940 and 2,998 AFS investment securities were in an unrealized loss position, respectively. Impairment On a quarterly basis, we review our investment securities portfolio for the presence of impairment on an individual security basis. For additional information on our policy and impairment evaluation process for investment securities, see Note 5 of our 2023 Form 10-K. AFS Impairment We did not recognize any impairment on our AFS investment securities portfolio during the first three months of 2024. Unrealized losses primarily relate to higher interest rates subsequent to the purchase of securities and are not attributable to credit; as such, absent any future sales, we would expect to receive the full principal value at maturity. At March 31, 2024, we had not initiated any sales of AFS securities, nor did we have an intent to sell any identified securities with unrealized losses. We do not believe it is more likely than not that we would be required to sell such securities before recovery of their amortized cost basis. HTM Impairment For HTM securities, the allowance for credit losses (“ACL”) is assessed consistent with the approach described in Note 6 for loans and leases measured at amortized cost. At March 31, 2024, 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: Three Months Ended March 31, 2024 2023 (In millions) Gross gains Gross losses Gross gains Gross losses Available-for-sale $ — $ — $ 1 $ 1 Trading 10 9 3 3 Other noninterest-bearing investments 6 9 4 3 Total gains 16 18 8 7 Net gains (losses) 1 $ (2) $ 1 1 Net gains (losses) were recognized in “Securities gains (losses), net” on the consolidated statement of income. The following schedule presents interest income by security type: Three Months Ended March 31, 2024 2023 (In millions) Taxable Nontaxable Total Taxable Nontaxable Total Investment securities: Held-to-maturity $ 56 $ 1 $ 57 $ 60 $ 1 $ 61 Available-for-sale 77 8 85 69 6 75 Trading — — — 1 — 1 Total securities $ 133 $ 9 $ 142 $ 130 $ 7 $ 137

Loans, Leases, and Allowance fo

Loans, Leases, and Allowance for Credit Losses	3 Months Ended
	Mar. 31, 2024
Receivables [Abstract]
LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES	LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES Loans, Leases, and Loans Held for Sale Loans and leases are summarized as follows according to major portfolio segment and specific loan class: (In millions) March 31, December 31, Loans held for sale $ 12 $ 53 Commercial: Commercial and industrial $ 16,519 $ 16,684 Leasing 388 383 Owner-occupied 9,295 9,219 Municipal 4,277 4,302 Total commercial 30,479 30,588 Commercial real estate: Construction and land development 2,686 2,669 Term 10,892 10,702 Total commercial real estate 13,578 13,371 Consumer: Home equity credit line 3,382 3,356 1-4 family residential 8,778 8,415 Construction and other consumer real estate 1,321 1,442 Bankcard and other revolving plans 439 474 Other 132 133 Total consumer 14,052 13,820 Total loans and leases $ 58,109 $ 57,779 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 $32 million and $37 million at March 31, 2024 and December 31, 2023, respectively. Amortized cost basis does not include accrued interest receivables of $300 million and $299 million at March 31, 2024 and December 31, 2023, respectively. These receivables are presented in the consolidated balance sheet within the “ Other assets Municipal loans generally include loans to state and local governments (“municipalities”) with the debt service being repaid from general funds or pledged revenues of the municipal entity, or to private commercial entities or 501(c)(3) not-for-profit entities utilizing a pass-through municipal entity to achieve favorable tax treatment. Land acquisition and development loans included in the construction and land development loan portfolio were $237 million at March 31, 2024 and $219 million at December 31, 2023. Loans with a carrying value of $38.7 billion at March 31, 2024 and $36.3 billion at December 31, 2023 have been pledged at the Federal Reserve (“FRB”) and the Federal Home Loan Bank (“FHLB”) of Des Moines as collateral for current and potential borrowings. At the time of origination, we determine the classification of loans as either held for investment or held for sale. Loans held for sale are measured at fair value or the lower of cost or fair value and primarily consist of (1) commercial real estate (“CRE”) loans that are sold into securitization entities, and (2) conforming residential mortgages that are generally sold to U.S. government agencies. The following schedule presents loans added to, or sold from, the held for sale category during the periods presented: Three Months Ended (In millions) 2024 2023 Loans added to held for sale $ 129 $ 86 Loans sold from held for sale 170 89 Occasionally, we have continuing involvement in the sold loans in the form of servicing rights or guarantees. The principal balance of sold loans for which we retain servicing was $0.5 billion and $0.4 billion at March 31, 2024 and December 31, 2023, respectively. Income from sold loans, excluding servicing, was $1 million for the three months ended March 31, 2024, and $5 million for the three months ended March 31, 2023. Other income from loans sold includes fair value adjustments on loans that are included in “Capital markets fees” on the consolidated statement of income. Allowance for Credit Losses The allowance for credit losses (“ACL”), which consists of the allowance for loan and lease losses (“ALLL”) and the reserve for unfunded lending commitments (“RULC”), represents our estimate of current expected credit losses related to the loan and lease portfolio and unfunded lending commitments as of the balance sheet date. For additional information regarding our policies and methodologies used to estimate the ACL, see Note 6 of our 2023 Form 10-K. The ACL for AFS and HTM debt securities is estimated separately from loans. For HTM securities, the ACL is estimated consistent with the approach for loans measured at amortized cost. See Note 5 of our 2023 Form 10-K for further discussion of our methodology used to estimate the ACL on AFS and HTM debt securities. Changes in the ACL are summarized as follows: Three Months Ended March 31, 2024 (In millions) Commercial Commercial Consumer Total Allowance for loan losses Balance at beginning of period $ 302 $ 241 $ 141 $ 684 Provision for loan losses (2) 57 (34) 21 Gross loan and lease charge-offs 10 — 4 14 Recoveries 6 1 1 8 Net loan and lease charge-offs (recoveries) 4 (1) 3 6 Balance at end of period $ 296 $ 299 $ 104 $ 699 Reserve for unfunded lending commitments Balance at beginning of period $ 19 $ 17 $ 9 $ 45 Provision for unfunded lending commitments — (7) (1) (8) Balance at end of period $ 19 $ 10 $ 8 $ 37 Total allowance for credit losses at end of period Allowance for loan losses $ 296 $ 299 $ 104 $ 699 Reserve for unfunded lending commitments 19 10 8 37 Total allowance for credit losses $ 315 $ 309 $ 112 $ 736 Three Months Ended March 31, 2023 (In millions) Commercial Commercial real estate Consumer Total Allowance for loan losses Balance at beginning of period $ 300 $ 152 $ 120 $ 572 Provision for loan losses 10 8 28 46 Gross loan and lease charge-offs 3 — 4 7 Recoveries 6 — 1 7 Net loan and lease charge-offs (recoveries) (3) — 3 — Balance at end of period $ 313 $ 160 $ 145 $ 618 Reserve for unfunded lending commitments Balance at beginning of period $ 16 $ 33 $ 12 $ 61 Provision for unfunded lending commitments 3 (5) 1 (1) Balance at end of period $ 19 $ 28 $ 13 $ 60 Total allowance for credit losses at end of period Allowance for loan losses $ 313 $ 160 $ 145 $ 618 Reserve for unfunded lending commitments 19 28 13 60 Total allowance for credit losses $ 332 $ 188 $ 158 $ 678 Nonaccrual Loans Loans are generally placed on nonaccrual status when payment in full of principal and interest is not expected, or the loan is 90 days or more past due as to principal or interest, unless the loan is both well-secured and in the process of collection. Factors we consider in determining whether a loan is placed on nonaccrual include delinquency status, collateral value, borrower or guarantor financial statement information, bankruptcy status, and other information which would indicate that the full and timely collection of interest and principal is uncertain. A nonaccrual loan may be returned to accrual status when (1) all delinquent interest and principal become current in accordance with the terms of the loan agreement, (2) the loan, if secured, is well-secured, (3) the borrower has paid according to the contractual terms for a minimum of six months, and (4) an analysis of the borrower indicates a reasonable assurance of the borrower's ability and willingness to maintain payments. The amortized cost basis of nonaccrual loans is summarized as follows: March 31, 2024 Amortized cost basis Total amortized cost basis (In millions) with no allowance with allowance Related allowance Commercial: Commercial and industrial $ 7 $ 103 $ 110 $ 25 Leasing — 2 2 1 Owner-occupied 13 7 20 1 Total commercial 20 112 132 27 Commercial real estate: Construction and land development — 1 1 — Term 34 8 42 1 Total commercial real estate 34 9 43 1 Consumer: Home equity credit line 4 23 27 4 1-4 family residential 8 36 44 6 Bankcard and other revolving plans — 1 1 1 Other — 1 1 — Total consumer loans 12 61 73 11 Total $ 66 $ 182 $ 248 $ 39 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 For accruing loans, interest is accrued and interest payments are recognized into interest income according to the contractual loan agreement. For nonaccruing loans, the accrual of interest is discontinued, any uncollected or accrued interest is reversed from interest income in a timely manner (generally within one month), and any payments received on these loans are not recognized into interest income, but are applied as a reduction to the principal outstanding. When the collectability of the amortized cost basis for a nonaccrual loan is no longer in doubt, then interest payments may be recognized in interest income on a cash basis. For the three months ended March 31, 2024 and 2023, there was no interest income recognized on a cash basis during the period the loans were on nonaccrual. The amount of accrued interest receivables reversed from interest income during the periods presented is summarized by loan portfolio segment as follows: Three Months Ended (In millions) 2024 2023 Commercial $ 3 $ 2 Commercial real estate 1 1 Consumer 1 — Total $ 5 $ 3 Past Due Loans Closed-end loans with payments scheduled monthly are reported as past due when the borrower is in arrears for two or more monthly payments. Similarly, open-end credits, such as bankcard and other revolving credit plans, are reported as past due when the minimum payment has not been made for two or more billing cycles. Other multi-payment obligations (i.e., quarterly, semi-annual, etc.), single payment, and demand notes, are reported as past due when either principal or interest is due and unpaid for a period of 30 days or more. Past due loans (accruing and nonaccruing) are summarized as follows: March 31, 2024 (In millions) Current 30-89 days 90+ days Total Total Accruing Nonaccrual loans that are current 1 Commercial: Commercial and industrial $ 16,480 $ 17 $ 22 $ 39 $ 16,519 $ 2 $ 87 Leasing 386 2 — 2 388 — — Owner-occupied 9,288 5 2 7 9,295 — 18 Municipal 4,276 1 — 1 4,277 — — Total commercial 30,430 25 24 49 30,479 2 105 Commercial real estate: Construction and land development 2,682 3 1 4 2,686 — — Term 10,818 44 30 74 10,892 — 3 Total commercial real estate 13,500 47 31 78 13,578 — 3 Consumer: Home equity credit line 3,361 11 10 21 3,382 — 14 1-4 family residential 8,740 15 23 38 8,778 — 16 Construction and other consumer real estate 1,321 — — — 1,321 — — Bankcard and other revolving plans 436 2 1 3 439 1 — Other 131 1 — 1 132 — 1 Total consumer loans 13,989 29 34 63 14,052 1 31 Total $ 57,919 $ 101 $ 89 $ 190 $ 58,109 $ 3 $ 139 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 1 Represents nonaccrual loans that are not past due more than 30 days; however, full payment of principal and interest is not expected. Credit Quality Indicators In addition to the nonaccrual and past due criteria, we also analyze loans using loan risk-grading systems, which vary based on the size and type of credit risk exposure. The internal risk grades assigned to loans follow our definition of Pass, Special Mention, Substandard, and Doubtful, which are consistent with published definitions of regulatory risk classifications. • Pass – A Pass asset is higher-quality and does not fit any of the other categories described below. The likelihood of loss is considered low. • Special Mention – A Special Mention asset has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in our credit position at some future date. • Substandard – A Substandard asset is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Assets so classified have well-defined weaknesses and are characterized by the distinct possibility that we may sustain some loss if deficiencies are not corrected. • Doubtful – A Doubtful asset has all the weaknesses inherent in a Substandard asset with the added characteristics that the weaknesses make collection or liquidation in full highly questionable and improbable. The balance of loans classified as Doubtful was $5 million at March 31, 2024, compared with zero at December 31, 2023. For consumer loans and for CRE loans with commitments greater than $1 million, we generally assign internal risk grades similar to those described previously based on automated rules that depend on refreshed credit scores, payment performance, and other risk indicators. These are generally assigned either a Pass, Special Mention, or Substandard grade, and are reviewed as we identify information that might warrant a grade change. The following schedule presents the amortized cost basis of loans and leases categorized by year of origination and by credit quality classification as monitored by management. The schedule also summarizes the current period gross charge-offs by year of origination. March 31, 2024 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) 2024 2023 2022 2021 2020 Prior Total Commercial: Commercial and industrial Pass $ 361 $ 2,617 $ 2,200 $ 1,133 $ 568 $ 968 $ 7,978 $ 166 $ 15,991 Special Mention — 7 90 20 3 4 72 2 198 Accruing Substandard 19 30 9 13 5 40 100 4 220 Nonaccrual — 4 32 1 2 47 18 6 110 Total commercial and industrial 380 2,658 2,331 1,167 578 1,059 8,168 178 16,519 Gross charge-offs — 1 3 1 — — 4 1 10 Leasing Pass 39 94 116 42 26 57 — — 374 Special Mention — 2 8 1 1 — — — 12 Accruing Substandard — — — — — — — — — Nonaccrual — — 2 — — — — — 2 Total leasing 39 96 126 43 27 57 — — 388 Gross charge-offs — — — — — — — — — Owner-occupied Pass 248 1,126 1,852 1,979 975 2,524 209 50 8,963 Special Mention — 5 9 21 14 25 15 5 94 Accruing Substandard 6 10 31 28 20 115 8 — 218 Nonaccrual — — 1 1 7 11 — — 20 Total owner-occupied 254 1,141 1,893 2,029 1,016 2,675 232 55 9,295 Gross charge-offs — — — — — — — — — Municipal Pass 121 598 1,056 1,014 599 855 2 3 4,248 Special Mention — — — — — — — — — Accruing Substandard — 15 — 6 3 5 — — 29 Nonaccrual — — — — — — — — — Total municipal 121 613 1,056 1,020 602 860 2 3 4,277 Gross charge-offs — — — — — — — — — Total commercial 794 4,508 5,406 4,259 2,223 4,651 8,402 236 30,479 Total commercial gross charge-offs — 1 3 1 — — 4 1 10 Commercial real estate: Construction and land development Pass 95 613 933 273 35 12 501 124 2,586 Special Mention — — 8 70 — — — — 78 Accruing Substandard — 19 1 — 1 — — — 21 Nonaccrual — — — — — — 1 — 1 Total construction and land development 95 632 942 343 36 12 502 124 2,686 Gross charge-offs — — — — — — — — — Term Pass 431 1,735 2,375 1,680 1,286 2,136 286 109 10,038 Special Mention 95 74 183 103 109 4 — 10 578 Accruing Substandard 41 69 30 12 17 30 — 35 234 Nonaccrual — 4 26 — — 12 — — 42 Total term 567 1,882 2,614 1,795 1,412 2,182 286 154 10,892 Gross charge-offs — — — — — — — — — Total commercial real estate 662 2,514 3,556 2,138 1,448 2,194 788 278 13,578 Total commercial real estate gross charge-offs — — — — — — — — — March 31, 2024 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) 2024 2023 2022 2021 2020 Prior Total Consumer: Home equity credit line Pass — — — — — — 3,256 95 3,351 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 4 — 4 Nonaccrual — — — — — — 21 6 27 Total home equity credit line — — — — — — 3,281 101 3,382 Gross charge-offs — — — — — — — — — 1-4 family residential Pass 196 819 2,448 1,890 976 2,405 — — 8,734 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — 1 4 5 2 32 — — 44 Total 1-4 family residential 196 820 2,452 1,895 978 2,437 — — 8,778 Gross charge-offs — — — — — 1 — — 1 Construction and other consumer real estate Pass 12 272 907 110 10 10 — — 1,321 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total construction and other consumer real estate 12 272 907 110 10 10 — — 1,321 Gross charge-offs — — — — — — — — — Bankcard and other revolving plans Pass — — — — — — 435 1 436 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 2 — 2 Nonaccrual — — — — — — 1 — 1 Total bankcard and other revolving plans — — — — — — 438 1 439 Gross charge-offs — — — — — — 2 — 2 Other consumer Pass 22 51 33 16 5 4 — — 131 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — 1 — — — — — — 1 Total other consumer 22 52 33 16 5 4 — — 132 Gross charge-offs — — — — — 1 — — 1 Total consumer 230 1,144 3,392 2,021 993 2,451 3,719 102 14,052 Total consumer gross charge-offs — — — — — 2 2 — 4 Total loans $ 1,686 $ 8,166 $ 12,354 $ 8,418 $ 4,664 $ 9,296 $ 12,909 $ 616 $ 58,109 Total gross charge-offs $ — $ 1 $ 3 $ 1 $ — $ 2 $ 6 $ 1 $ 14 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 2018 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 2018 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 Loan Modifications 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. On an ongoing basis, we monitor the performance of all modified loans according to their modified terms. The amortized cost of modified loans that had a payment default during the three months ended March 31, 2024 and 2023, which were still in default at period end, and were within 12 months or less of being modified was approximately $18 million, primarily commercial real estate loans, and less than $1 million, respectively. The amortized cost of loans to borrowers experiencing financial difficulty that were modified during the period, by loan class and modification type, is summarized in the following schedule: Three Months Ended March 31, 2024 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 $ — $ 26 $ — $ — $ 4 $ 30 0.2 % Owner-occupied — 3 — — — 3 — Total commercial — 29 — — 4 33 0.1 Commercial real estate: Construction and land development — 1 — — — 1 — Term — 83 — — — 83 0.8 Total commercial real estate — 84 — — — 84 0.6 Consumer: Home equity credit line — — — — 1 1 — 1-4 family residential — — 2 — 2 4 — Bankcard and other revolving plans — — — — — — — Other — 1 — — — 1 0.8 Total consumer loans — 1 2 — 3 6 — Total $ — $ 114 $ 2 $ — $ 7 $ 123 0.2 % Three Months Ended March 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 $ — $ 36 $ — $ — $ — $ 36 0.2 % Owner-occupied 4 6 — — — 10 0.1 Total commercial 4 42 — — — 46 0.2 Commercial real estate: Construction and land development — — — — — — — Term — 49 — — — 49 0.5 Total commercial real estate — 49 — — — 49 0.4 Consumer: Home equity credit line — — — — — — — 1-4 family residential — — — — 1 1 — Bankcard and other revolving plans — 1 — — — 1 0.2 Other — — — — — — — Total consumer loans — 1 — — 1 2 — Total $ 4 $ 92 $ — $ — 1 $ 97 0.2 % 1 Includes modifications that resulted from a combination of interest rate reduction, maturity or term extension, principal forgiveness, and payment deferral modifications. 2 Unfunded lending commitments related to loans modified to borrowers experiencing financial difficulty totaled $3 million and $8 million at March 31, 2024 and March 31, 2023, respectively. 3 Amounts less than 0.05% are rounded to zero. The financial impact of loan modifications to borrowers experiencing financial difficulty is summarized in the following schedules: Three Months Ended Three Months Ended Weighted-average interest rate reduction (in percentage points) Weighted-average term extension Weighted-average interest rate reduction (in percentage points) Weighted-average term extension Commercial: Commercial and industrial 0.1 % 13 — % 10 Owner-occupied — 58 4.4 5 Total commercial 0.1 17 4.4 9 Commercial real estate: Construction and land development — 14 — 6 Term — 13 — 9 Total commercial real estate — 13 — 9 Consumer: 1 Home equity credit line 6.8 38 — 0 1-4 family residential 1.3 76 1.3 110 Bankcard and other revolving plans — 0 — 65 Other — 71 — 0 Total consumer loans 4.7 64 1.3 84 Total weighted average financial impact 1.3 % 15 4.0 % 10 1 Primarily relates to a small number of loans within each consumer loan class. Loan modifications to borrowers experiencing financial difficulty during the three months ended March 31, 2024 and 2023 did not result in principal forgiveness for any class of loan for each respective period. The following schedule presents the aging of loans to borrowers experiencing financial difficulty that were modified on or after April 1, 2023 through March 31, 2024, presented by portfolio segment and loan class: March 31, 2024 (In millions) Current 30-89 days 90+ days Total Total Commercial: Commercial and industrial $ 62 $ — $ 6 $ 6 $ 68 Owner-occupied 10 — — — 10 Municipal 8 — — — 8 Total commercial 80 — 6 6 86 Commercial real estate: Construction and land development 23 1 1 2 25 Term 199 17 4 21 220 Total commercial real estate 222 18 5 23 245 Consumer: Home equity credit line 2 — — — 2 1-4 family residential 2 — 2 2 4 Bankcard and other revolving plans — — — — — Other 1 — — — 1 Total consumer loans 5 — 2 2 7 Total $ 307 $ 18 $ 13 $ 31 $ 338 The following schedule presents the aging of loans to borrowers experiencing financial difficulty that were modified on or after January 1, 2023, the date we adopted ASU 2022-02, through March 31, 2023, presented by portfolio segment and loan class: March 31, 2023 (In millions) Current 30-89 days 90+ days Total Total Commercial: Commercial and industrial $ 20 $ 16 $ — $ 16 $ 36 Owner-occupied 10 — — — 10 Municipal — — — — — Total commercial 30 16 — 16 46 Commercial real estate: Construction and land development — — — — — Term 49 — — — 49 Total commercial real estate 49 — — — 49 Consumer: Home equity credit line — — — — — 1-4 family residential — 1 — 1 1 Bankcard and other revolving plans 1 — — — 1 Other — — — — — Total consumer loans 1 1 — 1 2 Total $ 80 $ 17 $ — $ 17 $ 97 Collateral-Dependent Loans When a loan is individually evaluated for expected credit losses, we estimate a specific reserve for the loan based on (1) the projected present value of the loan’s future cash flows discounted at the loan’s effective interest rate, (2) the observable market price of the loan, or (3) the fair value of the loan’s underlying collateral. Select information on loans for which the borrower is experiencing financial difficulties and repayment is expected to be provided substantially through the operation or sale of the underlying collateral, including the type of collateral and the extent to which the collateral secures the loans, is summarized as follows: March 31, 2024 (Dollar amounts in millions) Amortized cost Major types of collateral Weighted average LTV 1 Commercial: Owner-occupied $ 7 Hospital 51% Commercial real estate: Construction and land development 1 Lots / Homes 107% Term 31 Office Building 86% Consumer: Home equity credit line 3 Residential 21% Total $ 42 December 31, 2023 (Dollar amounts 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% Consumer: Home equity credit line — Total $ 57 1 The fair value is based on the most recent appraisal or other collateral evaluation . Foreclosed Residential Real Estate The balance of foreclosed residential real estate property was less than $1 million at March 31, 2024, compared with zero at December 31, 2023. The amortized cost basis of consumer mortgage loans collateralized by residential real estate property that were in the process of foreclosure was $11 million for both periods.

Derivative Instruments and Hedg

Derivative Instruments and Hedging Activities	3 Months Ended
	Mar. 31, 2024
Summary of Derivative Instruments [Abstract]
DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES	DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES Objectives and Accounting Our primary objective for using derivatives is to manage interest rate risk. We use derivatives to stabilize forecasted interest income from variable-rate assets and to modify the coupon or the duration of fixed-rate financial assets or liabilities. We also assist clients with their risk management needs through the use of derivatives. Cash receipts and payments from derivatives designated in qualifying hedging relationships are classified in the same category as the cash flows from the items being hedged in the statement of cash flows, and cash flows from undesignated derivatives are classified as operating activities. For a more detailed discussion of the use of and accounting policies regarding derivative instruments, see Note 7 of our 2023 Form 10-K. Fair Value Hedges of Liabilities – During the second quarter of 2023, we terminated our remaining receive-fixed interest rate swap with a notional amount of $500 million that had been designated in a qualifying fair value hedge relationship of fixed-rate debt. The receive-fixed interest rate swap effectively converted the interest on our fixed-rate debt to floating until it was terminated. Prior to termination, changes in the fair value of derivatives designated as fair value hedges of debt were offset by changes in the fair value of the hedged debt instruments as shown in the schedules on the following pages. The unamortized hedge basis adjustments resulting from the terminated hedging relationship will be amortized over the remaining life of the fixed-rate debt. Fair Value Hedges of Assets – Fair value hedges of fixed-rate assets effectively convert the fixed interest income to a floating rate on the hedged portion of the assets. Changes in fair value of derivatives designated as fair value hedges of fixed-rate financial assets were largely offset by changes in the value of the hedged assets, as shown in the schedules on the following pages. At March 31, 2024, we had pay-fixed, receive-floating interest rate swaps with an aggregate notional amount of $3.6 billion designated as fair value hedges of fixed-rate AFS securities. We had an additional $1.0 billion of aggregate notional designated as hedges of fixed-rate commercial loans. Cash Flow Hedges – Cash flow hedges of variable-rate assets and liabilities effectively convert the variable interest receipts and payments to fixed. At March 31, 2024, we had receive-fixed interest rate swaps with an aggregate notional amount of $850 million designated as cash flow hedges of pools of floating-rate commercial loans. Additionally, at March 31, 2024, we had one pay-fixed interest rate swap with a notional amount of $500 million designated as a cash flow hedge of the variability in the interest payments on certain FHLB advances. Changes in the fair value of qualifying cash flow hedges during the quarter were recorded in AOCI as shown in the schedule below. The amounts deferred in AOCI are reclassified into earnings in the periods in which the hedged interest receipts or payments occur (i.e., when the hedged forecasted transactions affect earnings). At March 31, 2024, there was $173 million of losses deferred in AOCI related to terminated cash flow hedges that are expected to be fully amortized by October 2027. Collateral and Credit Risk Exposure to credit risk arises from the possibility of nonperformance by counterparties. No significant losses on derivative instruments have occurred as a result of counterparty nonperformance. For more information on how we incorporate counterparty credit risk in derivative valuations, see Note 3 of our 2023 Form 10-K. For additional discussion of collateral and the associated credit risk related to our derivative contracts, see Note 7 of our 2023 Form 10-K. Our derivative contracts require us to pledge collateral for derivatives that are in a net liability position at a given balance sheet date. Certain of these derivative contracts contain credit risk-related contingent features that include the requirement to maintain a minimum debt credit rating. We may be required to pledge additional collateral if a credit risk-related feature were triggered, such as a downgrade of our credit rating. In past situations, counterparties have not generally demanded that additional collateral be pledged when provided for by the contractual terms. At March 31, 2024, the fair value of our derivative liabilities was $388 million, for which we were required to pledge cash collateral of less than $1 million in the normal course of business. If our credit rating were downgraded one notch by either Standard & Poor’s (“S&P”) or Moody’s at March 31, 2024, there would likely be no additional collateral required to be pledged. Derivative Amounts The following schedule presents information regarding notional amounts and recorded gross fair values at March 31, 2024 and December 31, 2023, and the related gain (loss) of derivative instruments: March 31, 2024 December 31, 2023 Notional amount 1 Fair value Notional Fair value (In millions) Other Other Other Other Derivatives designated as hedging instruments: Cash flow hedges of floating-rate assets: Receive-fixed interest rate swaps $ 850 $ — $ — $ 1,450 $ — $ — Cash flow hedges of floating-rate liabilities: Pay-fixed interest rate swaps 500 — — 500 — — Fair value hedges: Debt hedges: Receive-fixed interest rate swaps — — — — — — Asset hedges: Pay-fixed interest rate swaps 4,570 89 — 4,571 78 — Total derivatives designated as hedging instruments 5,920 89 — 6,521 78 — Derivatives not designated as hedging instruments: Customer interest rate derivatives 1 14,694 389 387 14,375 337 330 Other interest rate derivatives 1,461 1 — 1,001 1 — Foreign exchange derivatives 267 2 1 216 3 3 Purchased credit derivatives — — — 35 1 — Total derivatives not designated as hedging instruments 16,422 392 388 15,627 342 333 Total derivatives $ 22,342 $ 481 $ 388 $ 22,148 $ 420 $ 333 1 Customer interest rate derivatives include both customer-facing derivatives as well as offsetting derivatives facing other dealer banks. The fair value of these derivatives include a net credit valuation adjustment of $9 million, reducing the fair value of the liability at both March 31, 2024, and December 31, 2023. The amount of derivative gains (losses) from cash flow and fair value hedges that were deferred in other comprehensive income (“OCI”) or recognized in earnings for the three and three months ended March 31, 2024 and 2023 is presented in the schedules below. Three Months Ended March 31, 2024 (In millions) Effective portion of derivative gain/(loss) deferred in AOCI Amount of gain/(loss) reclassified from AOCI into income Interest on fair value hedges Cash flow hedges of floating-rate assets: 1 Interest rate swaps (5) (36) — Cash flow hedges of floating-rate liabilities: Pay-fixed interest rate swaps 4 2 — Fair value hedges: 2 Debt hedges: Receive-fixed interest rate swaps — — (2) Asset hedges: Pay-fixed interest rate swaps — — 23 Total derivatives designated as hedging instruments $ (1) $ (34) $ 21 Three Months Ended March 31, 2023 (In millions) Effective portion of derivative gain/(loss) deferred in AOCI Amount of gain/(loss) reclassified from AOCI into income Interest on fair value hedges Cash flow hedges of floating-rate assets: 1 Interest rate swaps 38 (49) — Cash flow hedges of floating-rate liabilities: Pay-fixed interest rate swaps — — — Fair value hedges: 2 Debt hedges: Receive-fixed interest rate swaps — — 4 Asset hedges: Pay-fixed interest rate swaps — — 6 Total derivatives designated as hedging instruments $ 38 $ (49) $ 10 1 For the 12 months following March 31, 2024, we estimate that $102 million of losses will be reclassified from AOCI into interest income, compared with an estimate of $156 million of losses at March 31, 2023. 2 At March 31, 2024, the total cumulative unamortized basis adjustment for terminated fair value hedges of debt was $45 million. We did not have any cumulative unamortized basis adjustment for terminated fair value hedges of debt at March 31, 2023. We had $3 million and $10 million of cumulative unamortized basis adjustments from terminated fair value hedges of assets at March 31, 2024 and 2023, respectively. Interest on fair value hedges presented above include the amortization of the remaining unamortized basis adjustments. The amount of gains (losses) recognized from derivatives not designated as accounting hedges is summarized as follows: Other Noninterest Income/(Expense) (In millions) Three Months Ended March 31, 2024 Three Months Ended March 31, 2023 Derivatives not designated as hedging instruments: Customer-facing interest rate derivatives $ 6 $ 1 Other interest rate derivatives 1 1 Foreign exchange derivatives 7 7 Purchased credit derivatives — — Total derivatives not designated as hedging instruments $ 14 $ 9 The following schedule presents derivatives used in fair value hedge accounting relationships, as well as pre-tax gains/(losses) recorded on such derivatives and the related hedged items for the periods presented: Gain/(loss) recorded in income Three Months Ended March 31, 2024 Three Months Ended March 31, 2023 (In millions) Derivatives 2 Hedged items Total income statement impact Derivatives 2 Hedged items Total income statement impact Debt: Receive-fixed interest rate swaps 1, 2 $ — $ — $ — $ 12 $ (12) $ — Assets: Pay-fixed interest rate swaps 1, 2 98 (98) — 40 (40) — 1 Consists of hedges of benchmark interest rate risk of fixed-rate long-term debt, fixed-rate AFS securities, and fixed-rate commercial loans. Gains and losses were recorded in net interest expense or income consistent with the hedged items. 2 The income/expense for derivatives does not reflect interest income/expense from periodic accruals and payments to be consistent with the presentation of the gains/(losses) on the hedged items. The following schedule provides information regarding basis adjustments for hedged items: Par value of hedged assets/(liabilities) Carrying amount of the hedged assets/(liabilities) 1 Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged item (In millions) March 31, 2024 December 31, 2023 March 31, 2024 December 31, 2023 March 31, 2024 December 31, 2023 Fixed-rate assets 2 12,039 12,389 11,761 12,209 (278) (180) 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 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 March 31, 2024, the amortized cost basis of the defined portfolios used in these hedging relationships was $11.0 billion; the cumulative basis adjustment associated with these hedging relationships was $50.5 million; and the notional amounts of the designated hedging instruments were $3.5 billion.

Leases

Leases	3 Months Ended
	Mar. 31, 2024
Leases [Abstract]
LEASES	LEASES We have operating and finance leases for branches, corporate offices, and data centers. At March 31, 2024, we had 408 branches, of which 278 are owned and 130 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 right-of-use (“ROU”) asset. We present ROU assets for operating leases and finance leases on the consolidated balance sheet in “ Other assets Premises, equipment and software, net Other liabilities Long-term debt The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate: (Dollar amounts in millions) March 31, December 31, 2023 Operating leases ROU assets, net of amortization $ 168 $ 172 Lease liabilities 193 198 Finance leases ROU assets, net of amortization 3 3 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.6 8.7 Finance leases 16.2 16.5 Weighted average discount rate Operating leases 3.4 % 3.4 % Finance leases 3.1 % 3.1 % The following schedule presents additional information related to lease expense: Three Months Ended March 31, (In millions) 2024 2023 Lease expense: Operating lease expense $ 10 $ 11 Other expenses associated with operating leases 1 15 15 Total lease expense $ 25 $ 26 Related cash disbursements from operating leases $ 11 $ 12 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 1 $ 32 2025 38 2026 33 2027 22 2028 18 Thereafter 85 Total $ 228 1 Contractual maturities for the nine months remaining in 2024. We enter into certain lease agreements where we are the lessor of real estate. Real estate leases are made from bank-owned and subleased property to generate cash flow from the property, including from leasing vacant suites in which we occupy portions of the building. Operating lease income was $3 million for both the first quarter of 2024 and 2023. We originated equipment leases, considered to be sales-type leases or direct financing leases, totaling $388 million and $383 million at March 31, 2024 and December 31, 2023, respectively. We recorded income of $4 million on these leases for both the first quarter of 2024 and 2023.
LEASES	LEASES We have operating and finance leases for branches, corporate offices, and data centers. At March 31, 2024, we had 408 branches, of which 278 are owned and 130 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 right-of-use (“ROU”) asset. We present ROU assets for operating leases and finance leases on the consolidated balance sheet in “ Other assets Premises, equipment and software, net Other liabilities Long-term debt The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate: (Dollar amounts in millions) March 31, December 31, 2023 Operating leases ROU assets, net of amortization $ 168 $ 172 Lease liabilities 193 198 Finance leases ROU assets, net of amortization 3 3 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.6 8.7 Finance leases 16.2 16.5 Weighted average discount rate Operating leases 3.4 % 3.4 % Finance leases 3.1 % 3.1 % The following schedule presents additional information related to lease expense: Three Months Ended March 31, (In millions) 2024 2023 Lease expense: Operating lease expense $ 10 $ 11 Other expenses associated with operating leases 1 15 15 Total lease expense $ 25 $ 26 Related cash disbursements from operating leases $ 11 $ 12 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 1 $ 32 2025 38 2026 33 2027 22 2028 18 Thereafter 85 Total $ 228 1 Contractual maturities for the nine months remaining in 2024. We enter into certain lease agreements where we are the lessor of real estate. Real estate leases are made from bank-owned and subleased property to generate cash flow from the property, including from leasing vacant suites in which we occupy portions of the building. Operating lease income was $3 million for both the first quarter of 2024 and 2023. We originated equipment leases, considered to be sales-type leases or direct financing leases, totaling $388 million and $383 million at March 31, 2024 and December 31, 2023, respectively. We recorded income of $4 million on these leases for both the first quarter of 2024 and 2023.
LEASES	. LEASES We have operating and finance leases for branches, corporate offices, and data centers. At March 31, 2024, we had 408 branches, of which 278 are owned and 130 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 right-of-use (“ROU”) asset. We present ROU assets for operating leases and finance leases on the consolidated balance sheet in “ Other assets Premises, equipment and software, net Other liabilities Long-term debt The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate: (Dollar amounts in millions) March 31, December 31, 2023 Operating leases ROU assets, net of amortization $ 168 $ 172 Lease liabilities 193 198 Finance leases ROU assets, net of amortization 3 3 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.6 8.7 Finance leases 16.2 16.5 Weighted average discount rate Operating leases 3.4 % 3.4 % Finance leases 3.1 % 3.1 % The following schedule presents additional information related to lease expense: Three Months Ended March 31, (In millions) 2024 2023 Lease expense: Operating lease expense $ 10 $ 11 Other expenses associated with operating leases 1 15 15 Total lease expense $ 25 $ 26 Related cash disbursements from operating leases $ 11 $ 12 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 1 $ 32 2025 38 2026 33 2027 22 2028 18 Thereafter 85 Total $ 228 1 Contractual maturities for the nine months remaining in 2024. We enter into certain lease agreements where we are the lessor of real estate. Real estate leases are made from bank-owned and subleased property to generate cash flow from the property, including from leasing vacant suites in which we occupy portions of the building. Operating lease income was $3 million for both the first quarter of 2024 and 2023. We originated equipment leases, considered to be sales-type leases or direct financing leases, totaling $388 million and $383 million at March 31, 2024 and December 31, 2023, respectively. We recorded income of $4 million on these leases for both the first quarter of 2024 and 2023.
LEASES	. LEASES We have operating and finance leases for branches, corporate offices, and data centers. At March 31, 2024, we had 408 branches, of which 278 are owned and 130 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 right-of-use (“ROU”) asset. We present ROU assets for operating leases and finance leases on the consolidated balance sheet in “ Other assets Premises, equipment and software, net Other liabilities Long-term debt The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate: (Dollar amounts in millions) March 31, December 31, 2023 Operating leases ROU assets, net of amortization $ 168 $ 172 Lease liabilities 193 198 Finance leases ROU assets, net of amortization 3 3 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.6 8.7 Finance leases 16.2 16.5 Weighted average discount rate Operating leases 3.4 % 3.4 % Finance leases 3.1 % 3.1 % The following schedule presents additional information related to lease expense: Three Months Ended March 31, (In millions) 2024 2023 Lease expense: Operating lease expense $ 10 $ 11 Other expenses associated with operating leases 1 15 15 Total lease expense $ 25 $ 26 Related cash disbursements from operating leases $ 11 $ 12 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 1 $ 32 2025 38 2026 33 2027 22 2028 18 Thereafter 85 Total $ 228 1 Contractual maturities for the nine months remaining in 2024. We enter into certain lease agreements where we are the lessor of real estate. Real estate leases are made from bank-owned and subleased property to generate cash flow from the property, including from leasing vacant suites in which we occupy portions of the building. Operating lease income was $3 million for both the first quarter of 2024 and 2023. We originated equipment leases, considered to be sales-type leases or direct financing leases, totaling $388 million and $383 million at March 31, 2024 and December 31, 2023, respectively. We recorded income of $4 million on these leases for both the first quarter of 2024 and 2023.
LEASES	. LEASES We have operating and finance leases for branches, corporate offices, and data centers. At March 31, 2024, we had 408 branches, of which 278 are owned and 130 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 right-of-use (“ROU”) asset. We present ROU assets for operating leases and finance leases on the consolidated balance sheet in “ Other assets Premises, equipment and software, net Other liabilities Long-term debt The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate: (Dollar amounts in millions) March 31, December 31, 2023 Operating leases ROU assets, net of amortization $ 168 $ 172 Lease liabilities 193 198 Finance leases ROU assets, net of amortization 3 3 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.6 8.7 Finance leases 16.2 16.5 Weighted average discount rate Operating leases 3.4 % 3.4 % Finance leases 3.1 % 3.1 % The following schedule presents additional information related to lease expense: Three Months Ended March 31, (In millions) 2024 2023 Lease expense: Operating lease expense $ 10 $ 11 Other expenses associated with operating leases 1 15 15 Total lease expense $ 25 $ 26 Related cash disbursements from operating leases $ 11 $ 12 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 1 $ 32 2025 38 2026 33 2027 22 2028 18 Thereafter 85 Total $ 228 1 Contractual maturities for the nine months remaining in 2024. We enter into certain lease agreements where we are the lessor of real estate. Real estate leases are made from bank-owned and subleased property to generate cash flow from the property, including from leasing vacant suites in which we occupy portions of the building. Operating lease income was $3 million for both the first quarter of 2024 and 2023. We originated equipment leases, considered to be sales-type leases or direct financing leases, totaling $388 million and $383 million at March 31, 2024 and December 31, 2023, respectively. We recorded income of $4 million on these leases for both the first quarter of 2024 and 2023.

Long-Term Debt and Shareholders

Long-Term Debt and Shareholders' Equity	3 Months Ended
	Mar. 31, 2024
Debt And Equity [Abstract]
LONG-TERM DEBT AND SHAREHOLDERS' EQUITY	LONG-TERM DEBT AND SHAREHOLDERS’ EQUITY Long-Term Debt The long-term debt carrying values presented on the consolidated balance sheet represent the par value of the debt, adjusted for any unamortized premium or discount, unamortized debt issuance costs, and basis adjustments for interest rate swaps designated as fair value hedges. The following schedule presents the components of our long-term debt: LONG-TERM DEBT (In millions) March 31, December 31, 2023 Subordinated notes 1 $ 540 $ 538 Finance lease obligations 4 4 Total $ 544 $ 542 1 The change in the subordinated notes balance is primarily due to a fair value hedge accounting adjustment. See also Note 7. Shareholders' Equity Our common stock is traded on the National Association of Securities Dealers Automated Quotations (“NASDAQ”) Global Select Market. At March 31, 2024, there were 147.7 million shares of $0.001 par value common stock outstanding. Common stock and additional paid-in capital decreased $26 million, or 2%, to $1.7 billion at March 31, 2024, from December 31, 2023, primarily due to common stock repurchases. During the first quarter of 2024, we repurchased 0.9 million common shares outstanding for $35 million at an average price of $39.32 per share. The AOCI balance was a loss of $2.6 billion at March 31, 2024, and primarily reflects the decline in the fair value of fixed-rate investment securities as a result of higher interest rates, and includes $2.0 billion ($1.5 billion after tax) of unrealized losses on the securities previously transferred from AFS to HTM. The following schedule presents the changes in AOCI by major component: (In millions) Net unrealized gains/(losses) on investment securities Net unrealized gains/(losses) on derivatives and other Pension and post-retirement Total Three Months Ended March 31, 2024 Balance at December 31, 2023 $ (2,526) $ (165) $ (1) $ (2,692) Other comprehensive income (loss) before reclassifications, net of tax 12 (1) — 11 Amounts reclassified from AOCI, net of tax 46 26 — 72 Other comprehensive income 58 25 — 83 Balance at March 31, 2024 $ (2,468) $ (140) $ (1) $ (2,609) Income tax expense included in OCI $ 19 $ 8 $ — $ 27 Three Months Ended March 31, 2023 Balance at December 31, 2022 $ (2,800) $ (311) $ (1) $ (3,112) Other comprehensive income before reclassifications, net of tax 77 29 — 106 Amounts reclassified from AOCI, net of tax 49 37 — 86 Other comprehensive income 126 66 — 192 Balance at March 31, 2023 $ (2,674) $ (245) $ (1) $ (2,920) Income tax expense included in OCI $ 41 $ 22 $ — $ 63 Amounts reclassified from AOCI (In millions) Three Months Ended AOCI components 2024 2023 Affected line item on statement of income Net unrealized gains (losses) on investment securities $ (61) $ (65) Securities gains (losses), net Less: Income tax expense (benefit) (15) (16) Total $ (46) $ (49) Net unrealized gains (losses) on derivative instruments $ (34) $ (49) Interest and fees on loans; Interest on short- and long-term borrowings Less: Income tax expense (benefit) (8) (12) Total $ (26) $ (37)

Commitments, Guarantees, and Co

Commitments, Guarantees, and Contingent Liabilities	3 Months Ended
	Mar. 31, 2024
Commitments, Guarantees, and Contingent Liabilities [Abstract]
COMMITMENTS, GUARANTEES AND CONTINGENT LIABILITIES	COMMITMENTS, GUARANTEES, AND CONTINGENT LIABILITIES Commitments and Guarantees The following schedule presents the contractual amounts related to off-balance sheet financial instruments used to meet the financing needs of our customers: (In millions) March 31, December 31, Unfunded lending commitments 1 $ 28,677 $ 28,940 Standby letters of credit: Financial 576 548 Performance 218 206 Commercial letters of credit 19 22 Mortgage-backed security purchase agreements 2 67 66 Total unfunded commitments $ 29,557 $ 29,782 1 Net of participations. 2 Represents agreements with Farmer Mac to purchase securities backed by certain agricultural mortgage loans. For more information about these commitments and guarantees including their terms and collateral requirements, see Note 16 of our 2023 Form 10-K. Legal Matters We are involved in various legal proceedings or governmental inquiries, which may include litigation in court and arbitral proceedings, as well as investigations, examinations, and other actions brought or considered by governmental and self-regulatory agencies. Litigation may relate to lending, deposit and other customer relationships, vendor and contractual issues, employee matters, intellectual property matters, personal injuries and torts, regulatory and legal compliance, and other matters. While most matters relate to individual claims, we are also subject to putative class action claims and similar broader claims. Proceedings, investigations, examinations, and other actions brought or considered by governmental and self-regulatory agencies may relate to our banking, investment advisory, trust, securities, and other products and services; our customers’ involvement in money laundering, fraud, securities violations and other illicit activities or our policies and practices relating to such customer activities; and our compliance with the broad range of banking, securities and other laws and regulations applicable to us. At any given time, we may be in the process of responding to subpoenas, requests for documents, data and testimony relating to such matters and engaging in discussions to resolve the matters. At March 31, 2024, we were subject to the following material litigation: • Two civil cases, Lifescan Inc. and Johnson & Johnson Health Care Services v. Jeffrey Smith, et. al. , brought against us in the United States District Court for the District of New Jersey in December 2017, and Roche Diagnostics and Roche Diabetes Care Inc. v. Jeffrey C. Smith, et. al. , brought against us in the United States District Court for the District of New Jersey in March 2019. In these cases, certain manufacturers and distributors of medical products seek to hold us liable for allegedly fraudulent practices of a borrower of the Bank who filed for bankruptcy protection in 2017. The cases are in the late stages of discovery. No trial has been set. • 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 March 31, 2024, 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 estimated liability for litigation and other legal actions and claims, reflected in our accruals and determined in accordance with applicable accounting guidance, is adequate and that liabilities in excess of the amounts currently accrued, if any, arising from litigation and other legal actions and claims for which an estimate as previously described is possible, will not have a material impact on our financial condition, results of operations, or cash flows. However, in light of the significant uncertainties involved in these matters, and the very large or indeterminate damages sought in some of these matters, an adverse outcome in one or more of these matters could be material to our financial condition, results of operations, or cash flows for any given reporting period. Any estimate or determination relating to the future resolution of litigation, arbitration, governmental or self-regulatory examinations, investigations or actions or similar matters is inherently uncertain and involves significant judgment. This is particularly true in the early stages of a legal matter, when legal issues and facts have not been well articulated, reviewed, analyzed, and vetted through discovery, preparation for trial or hearings, substantive and productive mediation or settlement discussions, or other actions. It is also particularly true with respect to class action and similar claims involving multiple defendants, matters with complex procedural requirements or substantive issues or novel legal theories, and examinations, investigations and other actions conducted or brought by governmental and self-regulatory agencies, in which the normal adjudicative process is not applicable. Accordingly, we usually are unable to determine whether a favorable or unfavorable outcome is remote, reasonably likely, or probable, or to estimate the amount or range of a probable or reasonably likely loss, until relatively late in the course of a legal matter, sometimes not until a number of years have elapsed. Accordingly, our judgments and estimates relating to claims will change from time to time in light of developments and actual outcomes will differ from our estimates. These differences may be material.

Revenue Recognition

Revenue Recognition	3 Months Ended
	Mar. 31, 2024
Revenue Recognition and Deferred Revenue [Abstract]
REVENUE RECOGNITION	REVENUE RECOGNITION We derive our revenue primarily from interest income on loans and securities. Only noninterest income is considered to be revenue from contracts with customers in scope of ASC 606. For more information about our revenue recognition from contracts, see Note 17 of our 2023 Form 10-K. Disaggregation of Revenue The following schedule presents net revenue by operating business segment for the three months ended March 31, 2024 and 2023: Zions Bank CB&T Amegy (In millions) 2024 2023 2024 2023 2024 2023 Commercial account fees $ 13 $ 14 $ 7 $ 7 $ 15 $ 14 Card fees 12 13 5 5 8 8 Retail and business banking fees 5 5 3 3 3 3 Capital markets fees — — — — — — Wealth management fees 6 6 1 1 4 4 Other customer-related fees 2 2 2 1 2 2 Total noninterest income from contracts with customers (ASC 606) 38 40 18 17 32 31 Other noninterest income (non-ASC 606 customer-related) 4 7 6 5 7 8 Total customer-related noninterest income 42 47 24 22 39 39 Other noncustomer-related noninterest income 1 3 2 2 3 2 Total noninterest income 43 50 26 24 42 41 Net interest income 166 185 140 160 113 124 Total net revenue $ 209 $ 235 $ 166 $ 184 $ 155 $ 165 NBAZ NSB Vectra (In millions) 2024 2023 2024 2023 2024 2023 Commercial account fees $ 3 $ 2 $ 3 $ 3 $ 2 $ 2 Card fees 4 4 4 4 2 2 Retail and business banking fees 2 2 3 3 1 1 Capital markets fees — — — — — — Wealth management fees 1 1 1 1 — — Other customer-related fees — — — — 1 1 Total noninterest income from contracts with customers (ASC 606) 10 9 11 11 6 6 Other noninterest income (non-ASC 606 customer-related) — 1 1 — — 1 Total customer-related noninterest income 10 10 12 11 6 7 Other noncustomer-related noninterest income — — — — — — Total noninterest income 10 10 12 11 6 7 Net interest income 60 64 47 51 37 41 Total net revenue $ 70 $ 74 $ 59 $ 62 $ 43 $ 48 TCBW Other Consolidated Bank (In millions) 2024 2023 2024 2023 2024 2023 Commercial account fees $ 1 $ 1 $ — $ — $ 44 $ 43 Card fees 1 1 (1) (1) 35 36 Retail and business banking fees — — (1) (1) 16 16 Capital markets fees — — 1 1 1 1 Wealth management fees — — 1 — 14 13 Other customer-related fees — — 7 9 14 15 Total noninterest income from contracts with customers (ASC 606) 2 2 7 8 124 124 Other noninterest income (non-ASC 606 customer-related) — — 9 5 27 27 Total customer-related noninterest income 2 2 16 13 151 151 Other noncustomer-related noninterest income — — (1) 2 5 9 Total noninterest income 2 2 15 15 156 160 Net interest income 15 16 8 38 586 679 Total net revenue $ 17 $ 18 $ 23 $ 53 $ 742 $ 839 Revenue from contracts with customers did not generate significant contract assets and liabilities. Contract receivables are included in “Other assets” on the consolidated balance sheet. Payment terms vary by services offered, and the timing between completion of performance obligations and payment is generally not significant.

Income Taxes

Income Taxes	3 Months Ended
	Mar. 31, 2024
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES The effective income tax rate was 24.6% for the first quarter of 2024, compared with 27.7% for the first quarter of 2023. The higher effective tax rate in the first quarter of 2023 was the result of a change in a discrete item that affected the reserve for uncertain tax positions. The tax rates during both periods were reduced by nontaxable municipal interest income and nontaxable income from certain bank-owned life insurance (“BOLI”), and were increased by the nondeductibility of Federal Deposit Insurance Corporation (“FDIC”) premiums, certain executive compensation plans, and other fringe benefits. The FDIC insurance premiums are nondeductible, whereas the FDIC special assessments are tax deductible. At both March 31, 2024 and December 31, 2023, we had a net deferred tax asset (“DTA”) totaling $1.0 billion. The net DTA or DTL is included in either “Other assets” or “Other liabilities,” respectively, on the consolidated balance sheet. We evaluate DTAs on a regular basis to determine whether a valuation allowance is required. In conducting this evaluation, we consider all available evidence, both positive and negative, based on the more-likely-than-not criteria that such assets will be realized. This evaluation includes, but is not limited to, the following: • Future reversals of existing deferred tax liabilities (“DTLs”) — These DTLs have a reversal pattern generally consistent with DTAs and are used to realize the DTAs. • Tax planning strategies — We have considered prudent and feasible tax planning strategies that we would implement to preserve the value of the DTAs, if necessary. • Future projected taxable income — We expect future taxable income will offset the reversal of remaining net DTAs. Based on this evaluation, we concluded that a valuation allowance was not required at both March 31, 2024 and December 31, 2023.

Net Earnings Per Common Share

Net Earnings Per Common Share	3 Months Ended
	Mar. 31, 2024
Earnings Per Share [Abstract]
NET EARNINGS PER COMMON SHARE	NET EARNINGS PER COMMON SHARE Basic and diluted net earnings per common share based on the weighted average outstanding shares are summarized as follows: Three Months Ended (In millions, except shares and per share amounts) 2024 2023 Basic: Net income $ 153 $ 204 Less common and preferred dividends 71 67 Undistributed earnings 82 137 Less undistributed earnings applicable to nonvested shares 1 1 Undistributed earnings applicable to common shares 81 136 Distributed earnings applicable to common shares 60 61 Total earnings applicable to common shares $ 141 $ 197 Weighted average common shares outstanding (in thousands) 147,338 148,015 Net earnings per common share $ 0.96 $ 1.33 Diluted: Total earnings applicable to common shares $ 141 $ 197 Weighted average common shares outstanding (in thousands) 147,338 148,015 Dilutive effect of stock options (in thousands) 5 23 Weighted average diluted common shares outstanding (in thousands) 147,343 148,038 Net earnings per common share $ 0.96 $ 1.33 The following schedule presents the weighted average stock awards that were anti-dilutive and not included in the calculation of diluted earnings per share: Three Months Ended (In thousands) 2024 2023 Restricted stock and restricted stock units 1,543 1,334 Stock options 1,379 1,230

Operating Segment Information

Operating Segment Information	3 Months Ended
	Mar. 31, 2024
Segment Reporting [Abstract]
OPERATING SEGMENT INFORMATION	OPERATING SEGMENT INFORMATION We manage our operations with a primary focus on geographic area. We conduct our operations primarily through seven separately managed affiliate banks, each with its own local branding and management team, including Zions Bank, California Bank & Trust, Amegy Bank, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington. These affiliate banks comprise our primary business segments. Performance assessment and resource allocation are based upon this geographic structure. Our affiliate banks are supported by an enterprise operating segment (referred to as the “Other” segment) that provides governance and risk management, allocates capital, establishes strategic objectives, and includes centralized technology, back-office functions, and certain lines of business not operated through our affiliate banks. We allocate the cost of centrally provided services to the business segments based upon estimated or actual usage of those services. We also allocate capital based on the risk-weighted assets held at each business segment. We use an internal funds transfer pricing (“FTP”) allocation process to report results of operations for business segments. This process is subject to change and refinement over time. Total average loans and deposits presented for the business segments include insignificant intercompany amounts between business segments and may also include deposits with the “Other” segment. At March 31, 2024, 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 34 branches in Colorado and one branch in New Mexico. TCBW operated two branches in Washington and one branch in Oregon. Transactions between business segments are primarily conducted at fair value, resulting in profits that are eliminated for reporting consolidated results of operations. The following schedule presents average loans, average deposits, and income before income taxes because we use these metrics when evaluating performance and making decisions pertaining to the business segments. The condensed statement of income identifies the components of income and expense which affect the operating amounts presented in the “Other” segment. The following schedule presents selected operating segment information for the three months ended March 31, 2024 and 2023: Zions Bank CB&T Amegy (In millions) 2024 2023 2024 2023 2024 2023 SELECTED INCOME STATEMENT DATA Net interest income $ 166 $ 185 $ 140 $ 160 $ 113 $ 124 Provision for credit losses (11) 24 22 — 4 11 Net interest income after provision for credit losses 177 161 118 160 109 113 Noninterest income 43 50 26 24 42 41 Noninterest expense 144 135 101 92 113 98 Income (loss) before income taxes $ 76 $ 76 $ 43 $ 92 $ 38 $ 56 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 14,726 $ 13,978 $ 14,165 $ 14,016 $ 13,115 $ 12,844 Total average deposits 20,735 20,953 14,406 14,644 14,871 13,287 NBAZ NSB Vectra (In millions) 2024 2023 2024 2023 2024 2023 SELECTED INCOME STATEMENT DATA Net interest income $ 60 $ 64 $ 47 $ 51 $ 37 $ 41 Provision for credit losses 5 (1) (5) 4 (6) 3 Net interest income after provision for credit losses 55 65 52 47 43 38 Noninterest income 10 10 12 11 6 7 Noninterest expense 48 47 43 41 34 33 Income (loss) before income taxes $ 17 $ 28 $ 21 $ 17 $ 15 $ 12 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 5,651 $ 5,150 $ 3,506 $ 3,327 $ 4,039 $ 3,983 Total average deposits 6,859 7,179 7,200 6,972 3,450 3,707 TCBW Other Consolidated Bank (In millions) 2024 2023 2024 2023 2024 2023 SELECTED INCOME STATEMENT DATA Net interest income $ 15 $ 16 $ 8 $ 38 $ 586 $ 679 Provision for credit losses 4 2 — 2 13 45 Net interest income after provision for credit losses 11 14 8 36 573 634 Noninterest income 2 2 15 15 156 160 Noninterest expense 8 6 35 60 526 512 Income (loss) before income taxes $ 5 $ 10 $ (12) $ (9) $ 203 $ 282 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 1,728 $ 1,711 $ 977 $ 1,144 $ 57,907 $ 56,153 Total average deposits 1,123 1,383 4,714 2,031 73,358 70,156

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Pay vs Performance Disclosure
Net income	$ 153	$ 204

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Mar. 31, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Recent Accounting Pronounceme_2

Recent Accounting Pronouncements (Policies)	3 Months Ended
	Mar. 31, 2024
Accounting Policies [Abstract]
Recent Accounting Pronouncements and Developments	Standards adopted by the Bank during the first quarter of 2024 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 We adopted the new standard on January 1, 2024. The adoption of this standard did not have a material effect 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 in the income statement as a component of income tax expense (benefit). This ASU allows for an accounting policy election to apply PAM on a tax-credit-program-by-tax-credit-program basis. The ASU also includes additional disclosure requirements about equity investments accounted for using PAM. January 1, 2024 We adopted the new standard on January 1, 2024. The adoption of this standard did not have a material effect on our financial statements.
Allowance for Credit Losses	Allowance for Credit Losses The allowance for credit losses (“ACL”), which consists of the allowance for loan and lease losses (“ALLL”) and the reserve for unfunded lending commitments (“RULC”), represents our estimate of current expected credit losses related to the loan and lease portfolio and unfunded lending commitments as of the balance sheet date. For additional information regarding our policies and methodologies used to estimate the ACL, see Note 6 of our 2023 Form 10-K. The ACL for AFS and HTM debt securities is estimated separately from loans. For HTM securities, the ACL is estimated consistent with the approach for loans measured at amortized cost. See Note 5 of our 2023 Form 10-K for further discussion of our methodology used to estimate the ACL on AFS and HTM debt securities.

Recent Accounting Pronounceme_3

Recent Accounting Pronouncements (Tables)	3 Months Ended
	Mar. 31, 2024
Accounting Policies [Abstract]
Accounting Standards Update and Change in Accounting Principle	Standard Description Effective date Effect on the financial statements or other significant matters Standards not yet adopted by the Bank as of March 31, 2024 ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures This Accounting Standards Update (“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, related tax risks, and tax planning 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 provides additional information for reconciling items that meet a quantitative threshold. January 1, 2025 The overall effect of this standard is not expected to have a material impact on our financial statements. Standards adopted by the Bank during the first quarter of 2024 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 We adopted the new standard on January 1, 2024. The adoption of this standard did not have a material effect 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 in the income statement as a component of income tax expense (benefit). This ASU allows for an accounting policy election to apply PAM on a tax-credit-program-by-tax-credit-program basis. The ASU also includes additional disclosure requirements about equity investments accounted for using PAM. January 1, 2024 We adopted the new standard on January 1, 2024. The adoption of this standard did not have a material effect on our financial statements.

Fair Value (Tables)

Fair Value (Tables)	3 Months Ended
	Mar. 31, 2024
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) March 31, 2024 Level 1 Level 2 Level 3 Total ASSETS Available-for-sale securities: U.S. Treasury, agencies, and corporations $ 481 $ 8,167 $ — $ 8,648 Municipal securities 1,259 1,259 Other debt securities 24 24 Total available-for-sale 481 9,450 — 9,931 Trading securities 59 59 Other noninterest-bearing investments: Bank-owned life insurance 555 555 Private equity investments 1 3 98 101 Other assets: Agriculture loan servicing 19 19 Deferred compensation plan assets 130 130 Derivatives 481 481 Total assets $ 614 $ 10,545 $ 117 $ 11,276 LIABILITIES Securities sold, not yet purchased $ 76 $ — $ — $ 76 Other liabilities: Derivatives 388 388 Total liabilities $ 76 $ 388 $ — $ 464 1 The Level 1 private equity investments (“PEIs”) relate to the portion of our Small Business Investment Company (“SBIC”) investments that are publicly traded. (In millions) December 31, 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.
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 Three Months Ended March 31, 2024 March 31, 2023 (In millions) Private equity investments Ag loan servicing Private equity investments Ag loan servicing Balance at beginning of period $ 92 $ 19 $ 81 $ 14 Other noninterest income (expense) — — — 4 Purchases 7 — 1 — Cost of investments sold (1) — — — Transfers out — — — — Balance at end of period $ 98 $ 19 $ 82 $ 18
Schedule of Rollforward of Level 3 Fair Value Measurements Including Realized Gains and Losses in the Income Statement	The roll-forward of Level 3 instruments includes the following realized gains and losses recognized in “Securities gains (losses), net” on the consolidated statement of income for the periods presented: (In millions) Three Months Ended March 31, 2024 March 31, 2023 Securities gains (losses), net $ 2 $ —
Schedule of Carrying Values and Estimated Fair Values	The following schedule presents the carrying values and estimated fair values of certain financial instruments: March 31, 2024 December 31, 2023 (In millions) Carrying Fair value Level Carrying Fair value Level Financial assets: Held-to-maturity investment securities $ 10,209 $ 10,105 2 $ 10,382 $ 10,466 2 Loans and leases (including loans held for sale), net of allowance 57,422 55,502 3 57,148 54,832 3 Financial liabilities: Time deposits 10,221 10,179 2 9,996 9,964 2 Long-term debt 544 498 2 542 494 2

Offsetting Assets and Liabili_2

Offsetting Assets and Liabilities (Tables)	3 Months Ended
	Mar. 31, 2024
Offsetting [Abstract]
Schedule of Offsetting Assets and Liabilities	The following schedules present gross and net information for selected financial instruments on the balance sheet: March 31, 2024 Gross amounts not offset on the balance sheet (In millions) 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 $ 1,315 $ (421) $ 894 $ — $ — $ 894 Derivatives (included in other assets) 481 — 481 (12) (455) 14 Total assets $ 1,796 $ (421) $ 1,375 $ (12) $ (455) $ 908 Liabilities: Federal funds and other short-term borrowings $ 5,316 $ (421) $ 4,895 $ — $ — $ 4,895 Derivatives (included in other liabilities) 388 — 388 (12) — 376 Total liabilities $ 5,704 $ (421) $ 5,283 $ (12) $ — $ 5,271 December 31, 2023 Gross amounts not offset on the balance sheet (In millions) 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
Schedule of Offsetting Assets and Liabilities	The following schedules present gross and net information for selected financial instruments on the balance sheet: March 31, 2024 Gross amounts not offset on the balance sheet (In millions) 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 $ 1,315 $ (421) $ 894 $ — $ — $ 894 Derivatives (included in other assets) 481 — 481 (12) (455) 14 Total assets $ 1,796 $ (421) $ 1,375 $ (12) $ (455) $ 908 Liabilities: Federal funds and other short-term borrowings $ 5,316 $ (421) $ 4,895 $ — $ — $ 4,895 Derivatives (included in other liabilities) 388 — 388 (12) — 376 Total liabilities $ 5,704 $ (421) $ 5,283 $ (12) $ — $ 5,271 December 31, 2023 Gross amounts not offset on the balance sheet (In millions) 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

Investments (Tables)

Investments (Tables)	3 Months Ended
	Mar. 31, 2024
Investments [Abstract]
Summary of Investment Securities	The following schedule presents the amortized cost and estimated fair values of our HTM and AFS securities: March 31, 2024 (In millions) Amortized Gross unrealized gains 1 Gross unrealized losses Estimated Held-to-maturity U.S. Government agencies and corporations: Agency securities $ 92 $ — $ 7 $ 85 Agency guaranteed mortgage-backed securities 9,776 17 97 9,696 Municipal securities 341 — 17 324 Total held-to-maturity 10,209 17 121 10,105 Available-for-sale U.S. Treasury securities 584 — 103 481 U.S. Government agencies and corporations: Agency securities 629 — 33 596 Agency guaranteed mortgage-backed securities 8,335 — 1,282 7,053 Small Business Administration loan-backed securities 543 — 25 518 Municipal securities 1,336 — 77 1,259 Other debt securities 25 — 1 24 Total available-for-sale 11,452 — 1,521 9,931 Total HTM and AFS investment securities $ 21,661 $ 17 $ 1,642 $ 20,036 December 31, 2023 (In millions) Amortized Gross unrealized gains 1 Gross unrealized losses 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 debt securities 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.
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 March 31, 2024. 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. March 31, 2024 Total Due in one year or less Due after one year through five years Due after five years through ten years Due after ten years (Dollar amounts in millions) Amortized cost Average yield Amortized cost Average yield Amortized cost Average yield Amortized cost Average yield Amortized cost Average yield Held-to-maturity U.S. Government agencies and corporations: Agency securities $ 92 3.52 % $ — — % $ — — % $ — — % $ 92 3.52 % Agency guaranteed mortgage-backed securities 9,776 1.85 — — — — 44 1.93 9,732 1.85 Municipal securities 1 341 3.19 30 2.86 129 2.91 154 3.49 28 3.17 Total held-to-maturity securities 10,209 1.91 30 2.86 129 2.91 198 3.14 9,852 1.87 Available-for-sale U.S. Treasury securities 584 3.25 183 5.22 — — — — 401 2.35 U.S. Government agencies and corporations: Agency securities 629 2.59 142 1.55 122 2.74 202 2.84 163 3.09 Agency guaranteed mortgage-backed securities 8,335 2.02 5 1.28 150 1.70 1,412 2.12 6,768 2.01 Small Business Administration loan-backed securities 543 5.53 1 4.92 20 6.33 138 4.43 384 5.88 Municipal securities 1 1,336 2.18 147 2.72 408 2.56 713 1.85 68 2.30 Other debt securities 25 8.78 — — 10 9.52 — — 15 8.29 Total available-for-sale securities 11,452 2.32 478 3.32 710 2.61 2,465 2.23 7,799 2.26 Total HTM and AFS investment securities $ 21,661 2.12 % $ 508 3.29 % $ 839 2.66 % $ 2,663 2.30 % $ 17,651 2.04 % 1 The yields on tax-exempt securities are calculated on a tax-equivalent basis.
Summary of Amount of Gross Unrealized Losses for Debt Securities and Estimated Fair Value	The following schedule presents gross unrealized losses for AFS securities and the estimated fair value by length of time the securities have been in an unrealized loss position: March 31, 2024 Less than 12 months 12 months or more Total (In millions) Gross Estimated Gross Estimated Gross Estimated Available-for-sale U.S. Treasury securities $ — $ 10 $ 103 $ 298 $ 103 $ 308 U.S. Government agencies and corporations: Agency securities — — 33 579 33 579 Agency guaranteed mortgage-backed securities 73 312 1,209 6,665 1,282 6,977 Small Business Administration loan-backed securities — 3 25 460 25 463 Municipal securities 1 83 76 1,154 77 1,237 Other — — 1 14 1 14 Total available-for-sale investment securities $ 74 $ 408 $ 1,447 $ 9,170 $ 1,521 $ 9,578 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
Gains and Losses, Including OTTI, Recognized in Statement of Income	The following schedule presents securities gains and losses recognized in income: Three Months Ended March 31, 2024 2023 (In millions) Gross gains Gross losses Gross gains Gross losses Available-for-sale $ — $ — $ 1 $ 1 Trading 10 9 3 3 Other noninterest-bearing investments 6 9 4 3 Total gains 16 18 8 7 Net gains (losses) 1 $ (2) $ 1 1 Net gains (losses) were recognized in “Securities gains (losses), net” on the consolidated statement of income.
Interest Income by Security Type	The following schedule presents interest income by security type: Three Months Ended March 31, 2024 2023 (In millions) Taxable Nontaxable Total Taxable Nontaxable Total Investment securities: Held-to-maturity $ 56 $ 1 $ 57 $ 60 $ 1 $ 61 Available-for-sale 77 8 85 69 6 75 Trading — — — 1 — 1 Total securities $ 133 $ 9 $ 142 $ 130 $ 7 $ 137

Loans, Leases, and Allowance _2

Loans, Leases, and Allowance for Credit Losses (Tables)	3 Months Ended
	Mar. 31, 2024
Receivables [Abstract]
Summary of Major Portfolio Segment and Specific Loan Class	Loans and leases are summarized as follows according to major portfolio segment and specific loan class: (In millions) March 31, December 31, Loans held for sale $ 12 $ 53 Commercial: Commercial and industrial $ 16,519 $ 16,684 Leasing 388 383 Owner-occupied 9,295 9,219 Municipal 4,277 4,302 Total commercial 30,479 30,588 Commercial real estate: Construction and land development 2,686 2,669 Term 10,892 10,702 Total commercial real estate 13,578 13,371 Consumer: Home equity credit line 3,382 3,356 1-4 family residential 8,778 8,415 Construction and other consumer real estate 1,321 1,442 Bankcard and other revolving plans 439 474 Other 132 133 Total consumer 14,052 13,820 Total loans and leases $ 58,109 $ 57,779
Loans Held For Sale	The following schedule presents loans added to, or sold from, the held for sale category during the periods presented: Three Months Ended (In millions) 2024 2023 Loans added to held for sale $ 129 $ 86 Loans sold from held for sale 170 89
Summary of Changes in the Allowance for Credit Losses	Changes in the ACL are summarized as follows: Three Months Ended March 31, 2024 (In millions) Commercial Commercial Consumer Total Allowance for loan losses Balance at beginning of period $ 302 $ 241 $ 141 $ 684 Provision for loan losses (2) 57 (34) 21 Gross loan and lease charge-offs 10 — 4 14 Recoveries 6 1 1 8 Net loan and lease charge-offs (recoveries) 4 (1) 3 6 Balance at end of period $ 296 $ 299 $ 104 $ 699 Reserve for unfunded lending commitments Balance at beginning of period $ 19 $ 17 $ 9 $ 45 Provision for unfunded lending commitments — (7) (1) (8) Balance at end of period $ 19 $ 10 $ 8 $ 37 Total allowance for credit losses at end of period Allowance for loan losses $ 296 $ 299 $ 104 $ 699 Reserve for unfunded lending commitments 19 10 8 37 Total allowance for credit losses $ 315 $ 309 $ 112 $ 736 Three Months Ended March 31, 2023 (In millions) Commercial Commercial real estate Consumer Total Allowance for loan losses Balance at beginning of period $ 300 $ 152 $ 120 $ 572 Provision for loan losses 10 8 28 46 Gross loan and lease charge-offs 3 — 4 7 Recoveries 6 — 1 7 Net loan and lease charge-offs (recoveries) (3) — 3 — Balance at end of period $ 313 $ 160 $ 145 $ 618 Reserve for unfunded lending commitments Balance at beginning of period $ 16 $ 33 $ 12 $ 61 Provision for unfunded lending commitments 3 (5) 1 (1) Balance at end of period $ 19 $ 28 $ 13 $ 60 Total allowance for credit losses at end of period Allowance for loan losses $ 313 $ 160 $ 145 $ 618 Reserve for unfunded lending commitments 19 28 13 60 Total allowance for credit losses $ 332 $ 188 $ 158 $ 678
Summary of Nonaccrual Loans	The amortized cost basis of nonaccrual loans is summarized as follows: March 31, 2024 Amortized cost basis Total amortized cost basis (In millions) with no allowance with allowance Related allowance Commercial: Commercial and industrial $ 7 $ 103 $ 110 $ 25 Leasing — 2 2 1 Owner-occupied 13 7 20 1 Total commercial 20 112 132 27 Commercial real estate: Construction and land development — 1 1 — Term 34 8 42 1 Total commercial real estate 34 9 43 1 Consumer: Home equity credit line 4 23 27 4 1-4 family residential 8 36 44 6 Bankcard and other revolving plans — 1 1 1 Other — 1 1 — Total consumer loans 12 61 73 11 Total $ 66 $ 182 $ 248 $ 39 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 The amount of accrued interest receivables reversed from interest income during the periods presented is summarized by loan portfolio segment as follows: Three Months Ended (In millions) 2024 2023 Commercial $ 3 $ 2 Commercial real estate 1 1 Consumer 1 — Total $ 5 $ 3
Summary of Past Due Loans (Accruing and Nonaccruing)	Past due loans (accruing and nonaccruing) are summarized as follows: March 31, 2024 (In millions) Current 30-89 days 90+ days Total Total Accruing Nonaccrual loans that are current 1 Commercial: Commercial and industrial $ 16,480 $ 17 $ 22 $ 39 $ 16,519 $ 2 $ 87 Leasing 386 2 — 2 388 — — Owner-occupied 9,288 5 2 7 9,295 — 18 Municipal 4,276 1 — 1 4,277 — — Total commercial 30,430 25 24 49 30,479 2 105 Commercial real estate: Construction and land development 2,682 3 1 4 2,686 — — Term 10,818 44 30 74 10,892 — 3 Total commercial real estate 13,500 47 31 78 13,578 — 3 Consumer: Home equity credit line 3,361 11 10 21 3,382 — 14 1-4 family residential 8,740 15 23 38 8,778 — 16 Construction and other consumer real estate 1,321 — — — 1,321 — — Bankcard and other revolving plans 436 2 1 3 439 1 — Other 131 1 — 1 132 — 1 Total consumer loans 13,989 29 34 63 14,052 1 31 Total $ 57,919 $ 101 $ 89 $ 190 $ 58,109 $ 3 $ 139 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 1 Represents nonaccrual loans that are not past due more than 30 days; however, full payment of principal and interest is not expected.
Summary of Outstanding Loan Balances (Accruing and Nonaccruing) Categorized by Credit Quality Indicators	The following schedule presents the amortized cost basis of loans and leases categorized by year of origination and by credit quality classification as monitored by management. The schedule also summarizes the current period gross charge-offs by year of origination. March 31, 2024 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) 2024 2023 2022 2021 2020 Prior Total Commercial: Commercial and industrial Pass $ 361 $ 2,617 $ 2,200 $ 1,133 $ 568 $ 968 $ 7,978 $ 166 $ 15,991 Special Mention — 7 90 20 3 4 72 2 198 Accruing Substandard 19 30 9 13 5 40 100 4 220 Nonaccrual — 4 32 1 2 47 18 6 110 Total commercial and industrial 380 2,658 2,331 1,167 578 1,059 8,168 178 16,519 Gross charge-offs — 1 3 1 — — 4 1 10 Leasing Pass 39 94 116 42 26 57 — — 374 Special Mention — 2 8 1 1 — — — 12 Accruing Substandard — — — — — — — — — Nonaccrual — — 2 — — — — — 2 Total leasing 39 96 126 43 27 57 — — 388 Gross charge-offs — — — — — — — — — Owner-occupied Pass 248 1,126 1,852 1,979 975 2,524 209 50 8,963 Special Mention — 5 9 21 14 25 15 5 94 Accruing Substandard 6 10 31 28 20 115 8 — 218 Nonaccrual — — 1 1 7 11 — — 20 Total owner-occupied 254 1,141 1,893 2,029 1,016 2,675 232 55 9,295 Gross charge-offs — — — — — — — — — Municipal Pass 121 598 1,056 1,014 599 855 2 3 4,248 Special Mention — — — — — — — — — Accruing Substandard — 15 — 6 3 5 — — 29 Nonaccrual — — — — — — — — — Total municipal 121 613 1,056 1,020 602 860 2 3 4,277 Gross charge-offs — — — — — — — — — Total commercial 794 4,508 5,406 4,259 2,223 4,651 8,402 236 30,479 Total commercial gross charge-offs — 1 3 1 — — 4 1 10 Commercial real estate: Construction and land development Pass 95 613 933 273 35 12 501 124 2,586 Special Mention — — 8 70 — — — — 78 Accruing Substandard — 19 1 — 1 — — — 21 Nonaccrual — — — — — — 1 — 1 Total construction and land development 95 632 942 343 36 12 502 124 2,686 Gross charge-offs — — — — — — — — — Term Pass 431 1,735 2,375 1,680 1,286 2,136 286 109 10,038 Special Mention 95 74 183 103 109 4 — 10 578 Accruing Substandard 41 69 30 12 17 30 — 35 234 Nonaccrual — 4 26 — — 12 — — 42 Total term 567 1,882 2,614 1,795 1,412 2,182 286 154 10,892 Gross charge-offs — — — — — — — — — Total commercial real estate 662 2,514 3,556 2,138 1,448 2,194 788 278 13,578 Total commercial real estate gross charge-offs — — — — — — — — — March 31, 2024 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) 2024 2023 2022 2021 2020 Prior Total Consumer: Home equity credit line Pass — — — — — — 3,256 95 3,351 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 4 — 4 Nonaccrual — — — — — — 21 6 27 Total home equity credit line — — — — — — 3,281 101 3,382 Gross charge-offs — — — — — — — — — 1-4 family residential Pass 196 819 2,448 1,890 976 2,405 — — 8,734 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — 1 4 5 2 32 — — 44 Total 1-4 family residential 196 820 2,452 1,895 978 2,437 — — 8,778 Gross charge-offs — — — — — 1 — — 1 Construction and other consumer real estate Pass 12 272 907 110 10 10 — — 1,321 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total construction and other consumer real estate 12 272 907 110 10 10 — — 1,321 Gross charge-offs — — — — — — — — — Bankcard and other revolving plans Pass — — — — — — 435 1 436 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 2 — 2 Nonaccrual — — — — — — 1 — 1 Total bankcard and other revolving plans — — — — — — 438 1 439 Gross charge-offs — — — — — — 2 — 2 Other consumer Pass 22 51 33 16 5 4 — — 131 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — 1 — — — — — — 1 Total other consumer 22 52 33 16 5 4 — — 132 Gross charge-offs — — — — — 1 — — 1 Total consumer 230 1,144 3,392 2,021 993 2,451 3,719 102 14,052 Total consumer gross charge-offs — — — — — 2 2 — 4 Total loans $ 1,686 $ 8,166 $ 12,354 $ 8,418 $ 4,664 $ 9,296 $ 12,909 $ 616 $ 58,109 Total gross charge-offs $ — $ 1 $ 3 $ 1 $ — $ 2 $ 6 $ 1 $ 14 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 2018 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 2018 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
Summary of TDRs (Accruing and Nonaccruing) Categorized by Loan Class and Modification Type	The amortized cost of loans to borrowers experiencing financial difficulty that were modified during the period, by loan class and modification type, is summarized in the following schedule: Three Months Ended March 31, 2024 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 $ — $ 26 $ — $ — $ 4 $ 30 0.2 % Owner-occupied — 3 — — — 3 — Total commercial — 29 — — 4 33 0.1 Commercial real estate: Construction and land development — 1 — — — 1 — Term — 83 — — — 83 0.8 Total commercial real estate — 84 — — — 84 0.6 Consumer: Home equity credit line — — — — 1 1 — 1-4 family residential — — 2 — 2 4 — Bankcard and other revolving plans — — — — — — — Other — 1 — — — 1 0.8 Total consumer loans — 1 2 — 3 6 — Total $ — $ 114 $ 2 $ — $ 7 $ 123 0.2 % Three Months Ended March 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 $ — $ 36 $ — $ — $ — $ 36 0.2 % Owner-occupied 4 6 — — — 10 0.1 Total commercial 4 42 — — — 46 0.2 Commercial real estate: Construction and land development — — — — — — — Term — 49 — — — 49 0.5 Total commercial real estate — 49 — — — 49 0.4 Consumer: Home equity credit line — — — — — — — 1-4 family residential — — — — 1 1 — Bankcard and other revolving plans — 1 — — — 1 0.2 Other — — — — — — — Total consumer loans — 1 — — 1 2 — Total $ 4 $ 92 $ — $ — 1 $ 97 0.2 % 1 Includes modifications that resulted from a combination of interest rate reduction, maturity or term extension, principal forgiveness, and payment deferral modifications. 2 Unfunded lending commitments related to loans modified to borrowers experiencing financial difficulty totaled $3 million and $8 million at March 31, 2024 and March 31, 2023, respectively. 3 Amounts less than 0.05% are rounded to zero. The financial impact of loan modifications to borrowers experiencing financial difficulty is summarized in the following schedules: Three Months Ended Three Months Ended Weighted-average interest rate reduction (in percentage points) Weighted-average term extension Weighted-average interest rate reduction (in percentage points) Weighted-average term extension Commercial: Commercial and industrial 0.1 % 13 — % 10 Owner-occupied — 58 4.4 5 Total commercial 0.1 17 4.4 9 Commercial real estate: Construction and land development — 14 — 6 Term — 13 — 9 Total commercial real estate — 13 — 9 Consumer: 1 Home equity credit line 6.8 38 — 0 1-4 family residential 1.3 76 1.3 110 Bankcard and other revolving plans — 0 — 65 Other — 71 — 0 Total consumer loans 4.7 64 1.3 84 Total weighted average financial impact 1.3 % 15 4.0 % 10 1 Primarily relates to a small number of loans within each consumer loan class. The following schedule presents the aging of loans to borrowers experiencing financial difficulty that were modified on or after April 1, 2023 through March 31, 2024, presented by portfolio segment and loan class: March 31, 2024 (In millions) Current 30-89 days 90+ days Total Total Commercial: Commercial and industrial $ 62 $ — $ 6 $ 6 $ 68 Owner-occupied 10 — — — 10 Municipal 8 — — — 8 Total commercial 80 — 6 6 86 Commercial real estate: Construction and land development 23 1 1 2 25 Term 199 17 4 21 220 Total commercial real estate 222 18 5 23 245 Consumer: Home equity credit line 2 — — — 2 1-4 family residential 2 — 2 2 4 Bankcard and other revolving plans — — — — — Other 1 — — — 1 Total consumer loans 5 — 2 2 7 Total $ 307 $ 18 $ 13 $ 31 $ 338 The following schedule presents the aging of loans to borrowers experiencing financial difficulty that were modified on or after January 1, 2023, the date we adopted ASU 2022-02, through March 31, 2023, presented by portfolio segment and loan class: March 31, 2023 (In millions) Current 30-89 days 90+ days Total Total Commercial: Commercial and industrial $ 20 $ 16 $ — $ 16 $ 36 Owner-occupied 10 — — — 10 Municipal — — — — — Total commercial 30 16 — 16 46 Commercial real estate: Construction and land development — — — — — Term 49 — — — 49 Total commercial real estate 49 — — — 49 Consumer: Home equity credit line — — — — — 1-4 family residential — 1 — 1 1 Bankcard and other revolving plans 1 — — — 1 Other — — — — — Total consumer loans 1 1 — 1 2 Total $ 80 $ 17 $ — $ 17 $ 97
Summary of Collateral-Dependent Loans	Select information on loans for which the borrower is experiencing financial difficulties and repayment is expected to be provided substantially through the operation or sale of the underlying collateral, including the type of collateral and the extent to which the collateral secures the loans, is summarized as follows: March 31, 2024 (Dollar amounts in millions) Amortized cost Major types of collateral Weighted average LTV 1 Commercial: Owner-occupied $ 7 Hospital 51% Commercial real estate: Construction and land development 1 Lots / Homes 107% Term 31 Office Building 86% Consumer: Home equity credit line 3 Residential 21% Total $ 42 December 31, 2023 (Dollar amounts 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% Consumer: Home equity credit line — Total $ 57 1 The fair value is based on the most recent appraisal or other collateral evaluation .

Derivative Instruments and He_2

Derivative Instruments and Hedging Activities (Tables)	3 Months Ended
	Mar. 31, 2024
Summary of Derivative Instruments [Abstract]
Schedule of Derivative Amounts	The following schedule presents information regarding notional amounts and recorded gross fair values at March 31, 2024 and December 31, 2023, and the related gain (loss) of derivative instruments: March 31, 2024 December 31, 2023 Notional amount 1 Fair value Notional Fair value (In millions) Other Other Other Other Derivatives designated as hedging instruments: Cash flow hedges of floating-rate assets: Receive-fixed interest rate swaps $ 850 $ — $ — $ 1,450 $ — $ — Cash flow hedges of floating-rate liabilities: Pay-fixed interest rate swaps 500 — — 500 — — Fair value hedges: Debt hedges: Receive-fixed interest rate swaps — — — — — — Asset hedges: Pay-fixed interest rate swaps 4,570 89 — 4,571 78 — Total derivatives designated as hedging instruments 5,920 89 — 6,521 78 — Derivatives not designated as hedging instruments: Customer interest rate derivatives 1 14,694 389 387 14,375 337 330 Other interest rate derivatives 1,461 1 — 1,001 1 — Foreign exchange derivatives 267 2 1 216 3 3 Purchased credit derivatives — — — 35 1 — Total derivatives not designated as hedging instruments 16,422 392 388 15,627 342 333 Total derivatives $ 22,342 $ 481 $ 388 $ 22,148 $ 420 $ 333 1 Customer interest rate derivatives include both customer-facing derivatives as well as offsetting derivatives facing other dealer banks. The fair value of these derivatives include a net credit valuation adjustment of $9 million, reducing the fair value of the liability at both March 31, 2024, and December 31, 2023.
Schedule of Derivative Gains (Losses) Deferred in OCI or Recognized in Earnings	The amount of derivative gains (losses) from cash flow and fair value hedges that were deferred in other comprehensive income (“OCI”) or recognized in earnings for the three and three months ended March 31, 2024 and 2023 is presented in the schedules below. Three Months Ended March 31, 2024 (In millions) Effective portion of derivative gain/(loss) deferred in AOCI Amount of gain/(loss) reclassified from AOCI into income Interest on fair value hedges Cash flow hedges of floating-rate assets: 1 Interest rate swaps (5) (36) — Cash flow hedges of floating-rate liabilities: Pay-fixed interest rate swaps 4 2 — Fair value hedges: 2 Debt hedges: Receive-fixed interest rate swaps — — (2) Asset hedges: Pay-fixed interest rate swaps — — 23 Total derivatives designated as hedging instruments $ (1) $ (34) $ 21 Three Months Ended March 31, 2023 (In millions) Effective portion of derivative gain/(loss) deferred in AOCI Amount of gain/(loss) reclassified from AOCI into income Interest on fair value hedges Cash flow hedges of floating-rate assets: 1 Interest rate swaps 38 (49) — Cash flow hedges of floating-rate liabilities: Pay-fixed interest rate swaps — — — Fair value hedges: 2 Debt hedges: Receive-fixed interest rate swaps — — 4 Asset hedges: Pay-fixed interest rate swaps — — 6 Total derivatives designated as hedging instruments $ 38 $ (49) $ 10 1 For the 12 months following March 31, 2024, we estimate that $102 million of losses will be reclassified from AOCI into interest income, compared with an estimate of $156 million of losses at March 31, 2023. 2 At March 31, 2024, the total cumulative unamortized basis adjustment for terminated fair value hedges of debt was $45 million. We did not have any cumulative unamortized basis adjustment for terminated fair value hedges of debt at March 31, 2023. We had $3 million and $10 million of cumulative unamortized basis adjustments from terminated fair value hedges of assets at March 31, 2024 and 2023, respectively. Interest on fair value hedges presented above include the amortization of the remaining unamortized basis adjustments.
Schedule of Gains (Losses) Recognized From Derivatives Not Designated as Accounting Hedges	The amount of gains (losses) recognized from derivatives not designated as accounting hedges is summarized as follows: Other Noninterest Income/(Expense) (In millions) Three Months Ended March 31, 2024 Three Months Ended March 31, 2023 Derivatives not designated as hedging instruments: Customer-facing interest rate derivatives $ 6 $ 1 Other interest rate derivatives 1 1 Foreign exchange derivatives 7 7 Purchased credit derivatives — — Total derivatives not designated as hedging instruments $ 14 $ 9
Schedule of Fair Value Hedges	The following schedule presents derivatives used in fair value hedge accounting relationships, as well as pre-tax gains/(losses) recorded on such derivatives and the related hedged items for the periods presented: Gain/(loss) recorded in income Three Months Ended March 31, 2024 Three Months Ended March 31, 2023 (In millions) Derivatives 2 Hedged items Total income statement impact Derivatives 2 Hedged items Total income statement impact Debt: Receive-fixed interest rate swaps 1, 2 $ — $ — $ — $ 12 $ (12) $ — Assets: Pay-fixed interest rate swaps 1, 2 98 (98) — 40 (40) — 1 Consists of hedges of benchmark interest rate risk of fixed-rate long-term debt, fixed-rate AFS securities, and fixed-rate commercial loans. Gains and losses were recorded in net interest expense or income consistent with the hedged items. 2 The income/expense for derivatives does not reflect interest income/expense from periodic accruals and payments to be consistent with the presentation of the gains/(losses) on the hedged items.
Schedule of Basis Adjustments for Hedged Items	The following schedule provides information regarding basis adjustments for hedged items: Par value of hedged assets/(liabilities) Carrying amount of the hedged assets/(liabilities) 1 Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged item (In millions) March 31, 2024 December 31, 2023 March 31, 2024 December 31, 2023 March 31, 2024 December 31, 2023 Fixed-rate assets 2 12,039 12,389 11,761 12,209 (278) (180) 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 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 March 31, 2024, the amortized cost basis of the defined portfolios used in these hedging relationships was $11.0 billion; the cumulative basis adjustment associated with these hedging relationships was $50.5 million; and the notional amounts of the designated hedging instruments were $3.5 billion.

Leases (Tables)

Leases (Tables)	3 Months Ended
	Mar. 31, 2024
Leases [Abstract]
Lease Related Assets and Liabilities	The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate: (Dollar amounts in millions) March 31, December 31, 2023 Operating leases ROU assets, net of amortization $ 168 $ 172 Lease liabilities 193 198 Finance leases ROU assets, net of amortization 3 3 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 8.6 8.7 Finance leases 16.2 16.5 Weighted average discount rate Operating leases 3.4 % 3.4 % Finance leases 3.1 % 3.1 %
Lease Expense	dditional information related to lease expense: Three Months Ended March 31, (In millions) 2024 2023 Lease expense: Operating lease expense $ 10 $ 11 Other expenses associated with operating leases 1 15 15 Total lease expense $ 25 $ 26 Related cash disbursements from operating leases $ 11 $ 12 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 1 $ 32 2025 38 2026 33 2027 22 2028 18 Thereafter 85 Total $ 228 1 Contractual maturities for the nine months remaining in 2024.

Long-Term Debt and Shareholde_2

Long-Term Debt and Shareholders' Equity (Tables)	3 Months Ended
	Mar. 31, 2024
Debt And Equity [Abstract]
Schedule of Long-term Debt	The following schedule presents the components of our long-term debt: LONG-TERM DEBT (In millions) March 31, December 31, 2023 Subordinated notes 1 $ 540 $ 538 Finance lease obligations 4 4 Total $ 544 $ 542 1 The change in the subordinated notes balance is primarily due to a fair value hedge accounting adjustment. See also Note 7.
Schedule of Changes in Accumulated Other Comprehensive Income	The following schedule presents the changes in AOCI by major component: (In millions) Net unrealized gains/(losses) on investment securities Net unrealized gains/(losses) on derivatives and other Pension and post-retirement Total Three Months Ended March 31, 2024 Balance at December 31, 2023 $ (2,526) $ (165) $ (1) $ (2,692) Other comprehensive income (loss) before reclassifications, net of tax 12 (1) — 11 Amounts reclassified from AOCI, net of tax 46 26 — 72 Other comprehensive income 58 25 — 83 Balance at March 31, 2024 $ (2,468) $ (140) $ (1) $ (2,609) Income tax expense included in OCI $ 19 $ 8 $ — $ 27 Three Months Ended March 31, 2023 Balance at December 31, 2022 $ (2,800) $ (311) $ (1) $ (3,112) Other comprehensive income before reclassifications, net of tax 77 29 — 106 Amounts reclassified from AOCI, net of tax 49 37 — 86 Other comprehensive income 126 66 — 192 Balance at March 31, 2023 $ (2,674) $ (245) $ (1) $ (2,920) Income tax expense included in OCI $ 41 $ 22 $ — $ 63
Reclassification out of Accumulated Other Comprehensive Income	Amounts reclassified from AOCI (In millions) Three Months Ended AOCI components 2024 2023 Affected line item on statement of income Net unrealized gains (losses) on investment securities $ (61) $ (65) Securities gains (losses), net Less: Income tax expense (benefit) (15) (16) Total $ (46) $ (49) Net unrealized gains (losses) on derivative instruments $ (34) $ (49) Interest and fees on loans; Interest on short- and long-term borrowings Less: Income tax expense (benefit) (8) (12) Total $ (26) $ (37)

Commitments, Guarantees, and _2

Commitments, Guarantees, and Contingent Liabilities (Tables)	3 Months Ended
	Mar. 31, 2024
Commitments, Guarantees, and Contingent Liabilities [Abstract]
Schedule of Off Balance Sheet Financial Instruments	The following schedule presents the contractual amounts related to off-balance sheet financial instruments used to meet the financing needs of our customers: (In millions) March 31, December 31, Unfunded lending commitments 1 $ 28,677 $ 28,940 Standby letters of credit: Financial 576 548 Performance 218 206 Commercial letters of credit 19 22 Mortgage-backed security purchase agreements 2 67 66 Total unfunded commitments $ 29,557 $ 29,782 1 Net of participations. 2 Represents agreements with Farmer Mac to purchase securities backed by certain agricultural mortgage loans.

Revenue Recognition (Tables)

Revenue Recognition (Tables)	3 Months Ended
	Mar. 31, 2024
Revenue Recognition and Deferred Revenue [Abstract]
Disaggregation of Revenue	The following schedule presents net revenue by operating business segment for the three months ended March 31, 2024 and 2023: Zions Bank CB&T Amegy (In millions) 2024 2023 2024 2023 2024 2023 Commercial account fees $ 13 $ 14 $ 7 $ 7 $ 15 $ 14 Card fees 12 13 5 5 8 8 Retail and business banking fees 5 5 3 3 3 3 Capital markets fees — — — — — — Wealth management fees 6 6 1 1 4 4 Other customer-related fees 2 2 2 1 2 2 Total noninterest income from contracts with customers (ASC 606) 38 40 18 17 32 31 Other noninterest income (non-ASC 606 customer-related) 4 7 6 5 7 8 Total customer-related noninterest income 42 47 24 22 39 39 Other noncustomer-related noninterest income 1 3 2 2 3 2 Total noninterest income 43 50 26 24 42 41 Net interest income 166 185 140 160 113 124 Total net revenue $ 209 $ 235 $ 166 $ 184 $ 155 $ 165 NBAZ NSB Vectra (In millions) 2024 2023 2024 2023 2024 2023 Commercial account fees $ 3 $ 2 $ 3 $ 3 $ 2 $ 2 Card fees 4 4 4 4 2 2 Retail and business banking fees 2 2 3 3 1 1 Capital markets fees — — — — — — Wealth management fees 1 1 1 1 — — Other customer-related fees — — — — 1 1 Total noninterest income from contracts with customers (ASC 606) 10 9 11 11 6 6 Other noninterest income (non-ASC 606 customer-related) — 1 1 — — 1 Total customer-related noninterest income 10 10 12 11 6 7 Other noncustomer-related noninterest income — — — — — — Total noninterest income 10 10 12 11 6 7 Net interest income 60 64 47 51 37 41 Total net revenue $ 70 $ 74 $ 59 $ 62 $ 43 $ 48 TCBW Other Consolidated Bank (In millions) 2024 2023 2024 2023 2024 2023 Commercial account fees $ 1 $ 1 $ — $ — $ 44 $ 43 Card fees 1 1 (1) (1) 35 36 Retail and business banking fees — — (1) (1) 16 16 Capital markets fees — — 1 1 1 1 Wealth management fees — — 1 — 14 13 Other customer-related fees — — 7 9 14 15 Total noninterest income from contracts with customers (ASC 606) 2 2 7 8 124 124 Other noninterest income (non-ASC 606 customer-related) — — 9 5 27 27 Total customer-related noninterest income 2 2 16 13 151 151 Other noncustomer-related noninterest income — — (1) 2 5 9 Total noninterest income 2 2 15 15 156 160 Net interest income 15 16 8 38 586 679 Total net revenue $ 17 $ 18 $ 23 $ 53 $ 742 $ 839

Net Earnings Per Common Share (

Net Earnings Per Common Share (Tables)	3 Months Ended
	Mar. 31, 2024
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Diluted, by Common Class, Including Two Class Method	Basic and diluted net earnings per common share based on the weighted average outstanding shares are summarized as follows: Three Months Ended (In millions, except shares and per share amounts) 2024 2023 Basic: Net income $ 153 $ 204 Less common and preferred dividends 71 67 Undistributed earnings 82 137 Less undistributed earnings applicable to nonvested shares 1 1 Undistributed earnings applicable to common shares 81 136 Distributed earnings applicable to common shares 60 61 Total earnings applicable to common shares $ 141 $ 197 Weighted average common shares outstanding (in thousands) 147,338 148,015 Net earnings per common share $ 0.96 $ 1.33 Diluted: Total earnings applicable to common shares $ 141 $ 197 Weighted average common shares outstanding (in thousands) 147,338 148,015 Dilutive effect of stock options (in thousands) 5 23 Weighted average diluted common shares outstanding (in thousands) 147,343 148,038 Net earnings per common share $ 0.96 $ 1.33
Schedule of Weighted Average Number of Shares	The following schedule presents the weighted average stock awards that were anti-dilutive and not included in the calculation of diluted earnings per share: Three Months Ended (In thousands) 2024 2023 Restricted stock and restricted stock units 1,543 1,334 Stock options 1,379 1,230

Operating Segment Information (

Operating Segment Information (Tables)	3 Months Ended
	Mar. 31, 2024
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment	The following schedule presents selected operating segment information for the three months ended March 31, 2024 and 2023: Zions Bank CB&T Amegy (In millions) 2024 2023 2024 2023 2024 2023 SELECTED INCOME STATEMENT DATA Net interest income $ 166 $ 185 $ 140 $ 160 $ 113 $ 124 Provision for credit losses (11) 24 22 — 4 11 Net interest income after provision for credit losses 177 161 118 160 109 113 Noninterest income 43 50 26 24 42 41 Noninterest expense 144 135 101 92 113 98 Income (loss) before income taxes $ 76 $ 76 $ 43 $ 92 $ 38 $ 56 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 14,726 $ 13,978 $ 14,165 $ 14,016 $ 13,115 $ 12,844 Total average deposits 20,735 20,953 14,406 14,644 14,871 13,287 NBAZ NSB Vectra (In millions) 2024 2023 2024 2023 2024 2023 SELECTED INCOME STATEMENT DATA Net interest income $ 60 $ 64 $ 47 $ 51 $ 37 $ 41 Provision for credit losses 5 (1) (5) 4 (6) 3 Net interest income after provision for credit losses 55 65 52 47 43 38 Noninterest income 10 10 12 11 6 7 Noninterest expense 48 47 43 41 34 33 Income (loss) before income taxes $ 17 $ 28 $ 21 $ 17 $ 15 $ 12 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 5,651 $ 5,150 $ 3,506 $ 3,327 $ 4,039 $ 3,983 Total average deposits 6,859 7,179 7,200 6,972 3,450 3,707 TCBW Other Consolidated Bank (In millions) 2024 2023 2024 2023 2024 2023 SELECTED INCOME STATEMENT DATA Net interest income $ 15 $ 16 $ 8 $ 38 $ 586 $ 679 Provision for credit losses 4 2 — 2 13 45 Net interest income after provision for credit losses 11 14 8 36 573 634 Noninterest income 2 2 15 15 156 160 Noninterest expense 8 6 35 60 526 512 Income (loss) before income taxes $ 5 $ 10 $ (12) $ (9) $ 203 $ 282 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 1,728 $ 1,711 $ 977 $ 1,144 $ 57,907 $ 56,153 Total average deposits 1,123 1,383 4,714 2,031 73,358 70,156

Basis of Presentation (Details)

Basis of Presentation (Details)	3 Months Ended
	Mar. 31, 2024 segment state
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Number of states in which entity operates | state	11
Number of bank operating segments | segment	7

Fair Value (Schedule of Assets

Fair Value (Schedule of Assets and Liabilities Measured at Fair Value by Class on a Recurring Basis) (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Investment securities, available-for-sale	$ 9,931	$ 10,300
Trading securities	59	48
Total assets	11,276	11,602
LIABILITIES
Securities sold, not yet purchased	76	65
Total liabilities	464	398
U.S. Treasury, agencies, and corporations
ASSETS
Investment securities, available-for-sale	8,648	8,959
Municipal securities
ASSETS
Investment securities, available-for-sale	1,259	1,318
Other debt securities
ASSETS
Investment securities, available-for-sale	24	23
Bank-owned life insurance
ASSETS
Other noninterest-bearing investments	555	553
Private equity investments
ASSETS
Other noninterest-bearing investments	101	95
Agriculture loan servicing
ASSETS
Other assets	19	19
Loans held for sale
ASSETS
Other assets		43
Derivatives
ASSETS
Other assets	481	420
LIABILITIES
Other liabilities	388	333
Level 1
ASSETS
Investment securities, available-for-sale	481	492
Trading securities
Total assets	614	619
LIABILITIES
Securities sold, not yet purchased	76	65
Total liabilities	76	65
Level 1 | U.S. Treasury, agencies, and corporations
ASSETS
Investment securities, available-for-sale	481	492
Level 1 | Municipal securities
ASSETS
Investment securities, available-for-sale
Level 1 | Other debt securities
ASSETS
Investment securities, available-for-sale
Level 1 | Bank-owned life insurance
ASSETS
Other noninterest-bearing investments
Level 1 | Private equity investments
ASSETS
Other noninterest-bearing investments	3	3
Level 1 | Agriculture loan servicing
ASSETS
Other assets
Level 1 | Loans held for sale
ASSETS
Other assets
Level 1 | Derivatives
ASSETS
Other assets
LIABILITIES
Other liabilities
Level 2
ASSETS
Investment securities, available-for-sale	9,450	9,808
Trading securities	59	48
Total assets	10,545	10,872
LIABILITIES
Securities sold, not yet purchased	0	0
Total liabilities	388	333
Level 2 | U.S. Treasury, agencies, and corporations
ASSETS
Investment securities, available-for-sale	8,167	8,467
Level 2 | Municipal securities
ASSETS
Investment securities, available-for-sale	1,259	1,318
Level 2 | Other debt securities
ASSETS
Investment securities, available-for-sale	24	23
Level 2 | Bank-owned life insurance
ASSETS
Other noninterest-bearing investments	555	553
Level 2 | Private equity investments
ASSETS
Other noninterest-bearing investments
Level 2 | Agriculture loan servicing
ASSETS
Other assets
Level 2 | Loans held for sale
ASSETS
Other assets		43
Level 2 | Derivatives
ASSETS
Other assets	481	420
LIABILITIES
Other liabilities	388	333
Level 3
ASSETS
Investment securities, available-for-sale	0	0
Trading securities
Total assets	117	111
LIABILITIES
Securities sold, not yet purchased	0	0
Total liabilities	0	0
Level 3 | U.S. Treasury, agencies, and corporations
ASSETS
Investment securities, available-for-sale	0	0
Level 3 | Municipal securities
ASSETS
Investment securities, available-for-sale
Level 3 | Other debt securities
ASSETS
Investment securities, available-for-sale
Level 3 | Bank-owned life insurance
ASSETS
Other noninterest-bearing investments
Level 3 | Private equity investments
ASSETS
Other noninterest-bearing investments	98	92
Level 3 | Agriculture loan servicing
ASSETS
Other assets	19	19
Level 3 | Loans held for sale
ASSETS
Other assets
Level 3 | Derivatives
ASSETS
Other assets
LIABILITIES
Other liabilities
Deferred compensation plan assets | Deferred compensation plan assets
ASSETS
Other assets	130	124
Deferred compensation plan assets | Level 1 | Deferred compensation plan assets
ASSETS
Other assets	130	124
Deferred compensation plan assets | Level 2 | Deferred compensation plan assets
ASSETS
Other assets
Deferred compensation plan assets | Level 3 | Deferred compensation plan assets
ASSETS
Other assets

Fair Value (Schedule of Asset_2

Fair Value (Schedule of Assets and Liabilities Measured at Fair Value by Class on a Recurring Basis Using Level 3 Inputs) (Details) - Level 3 - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Private equity investments
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair value of assets, Beginning balance	$ 92	$ 81
Transfers out	0	0
Other noninterest income (expense)	0	0
Purchases	7	1
Cost of investments sold	(1)	0
Fair value of assets, Ending balance	98	82
Ag loan servicing
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Fair value of assets, Beginning balance	19	14
Transfers out	0	0
Other noninterest income (expense)	0	4
Purchases	0	0
Cost of investments sold	0	0
Fair value of assets, Ending balance	$ 19	$ 18

Fair Value - (Schedule of Rollf

Fair Value - (Schedule of Rollforward of Level 3 Fair Value Measurements Including Realized Gains and Losses in the Income Statement) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Level 3
Fair Value, Measured on Recurring Basis, Gain (Loss) Included in Earnings [Line Items]
Securities gains (losses), net	$ 2	$ 0

Fair Value (Narrative) (Details

Fair Value (Narrative) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2024	Dec. 31, 2023
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Total assets	$ 11,276,000,000	$ 11,602,000,000
Level 2
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Total assets	10,545,000,000	$ 10,872,000,000
Level 2 | Fair Value, Nonrecurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Gains (losses) from fair value changes	0
Level 2 | Fair Value, Nonrecurring | Collateral Dependent Loans
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Total assets	2,000,000
Gains (losses) from fair value changes	$ 1,000,000

Fair Value (Schedule of Carryin

Fair Value (Schedule of Carrying Values and Estimated Fair Values of Financial Instruments) (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Held-to-maturity investment securities	$ 10,105	$ 10,466
Time deposits	10,221	9,996
Long-term debt	544	542
Level 2 | Carrying value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Held-to-maturity investment securities	10,209	10,382
Time deposits	10,221	9,996
Long-term debt	544	542
Level 2 | Fair value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Held-to-maturity investment securities	10,105	10,466
Time deposits	10,179	9,964
Long-term debt	498	494
Level 3 | Carrying value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans and leases (including loans held for sale), net of allowance	57,422	57,148
Level 3 | Fair value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans and leases (including loans held for sale), net of allowance	$ 55,502	$ 54,832

Offsetting Assets and Liabili_3

Offsetting Assets and Liabilities (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Gross amounts recognized
Federal funds sold and securities purchased under agreements to resell	$ 1,315	$ 1,170
Derivatives (included in other assets)	481	420
Total assets	1,796	1,590
Federal funds and other short-term borrowings	5,316	4,612
Derivatives (included in other liabilities)	388	333
Total liabilities	5,704	4,945
Gross amounts offset on the balance sheet
Federal funds sold and securities purchased under agreements to resell	(421)	(233)
Derivatives (included in other assets)	0	0
Total assets	(421)	(233)
Federal funds and other short-term borrowings	(421)	(233)
Derivatives (included in other liabilities)	0	0
Total liabilities	(421)	(233)
Net amounts presented on the balance sheet
Federal funds sold and securities purchased under agreements to resell	894	937
Derivatives (included in other assets)	481	420
Total assets	1,375	1,357
Federal funds and other short-term borrowings	4,895	4,379
Derivatives (included in other liabilities)	388	333
Total liabilities	5,283	4,712
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)	(12)	(31)
Total assets	(12)	(31)
Federal funds and other short-term borrowings	0	0
Derivatives (included in other liabilities)	(12)	(31)
Total liabilities	(12)	(31)
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)	(455)	(357)
Total assets	(455)	(357)
Federal funds and other short-term borrowings	0	0
Derivatives (included in other liabilities)	0	(1)
Total liabilities	0	(1)
Net amount
Federal funds sold and securities purchased under agreements to resell	894	937
Derivatives (included in other assets)	14	32
Total assets	908	969
Federal funds and other short-term borrowings	4,895	4,379
Derivatives (included in other liabilities)	376	301
Total liabilities	$ 5,271	$ 4,680

Investments (Narrative) (Detail

Investments (Narrative) (Details) $ in Millions	Mar. 31, 2024 USD ($) security	Dec. 31, 2023 USD ($) security
Investments [Abstract]
Accrued interest receivable	$ 58	$ 65
Number of AFS investment securities in an unrealized loss position | security	2,940	2,998
Allowance for credit loss on HTM securities (less than)	$ 1

Investments (Summary of Investm

Investments (Summary of Investment Securities) (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Amortized cost
Held-to-maturity	$ 10,209	$ 10,382
Available-for-sale	11,452	11,759
Total HTM and AFS investment securities	21,661	22,141
Gross unrealized gains 1
Held-to-maturity	17	156
Available-for-sale	0	0
Total HTM and AFS investment securities	17	156
Gross unrealized losses
Held-to-maturity	121	72
Available-for-sale	1,521	1,459
Estimated fair value
Held-to-maturity, Estimated fair value	10,105	10,466
Available-for-sale	9,931	10,300
Total HTM and AFS investment securities	20,036	20,766
Total HTM and AFS investment securities	1,642	1,531
U.S. Treasury securities
Amortized cost
Available-for-sale	584	585
Gross unrealized gains 1
Available-for-sale	0	0
Gross unrealized losses
Available-for-sale	103	93
Estimated fair value
Available-for-sale	481	492
Agency securities
Amortized cost
Held-to-maturity	92	93
Available-for-sale	629	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	33	33
Estimated fair value
Held-to-maturity, Estimated fair value	85	87
Available-for-sale	596	630
Agency guaranteed mortgage-backed securities
Amortized cost
Held-to-maturity	9,776	9,935
Available-for-sale	8,335	8,530
Gross unrealized gains 1
Held-to-maturity	17	156
Available-for-sale	0	0
Gross unrealized losses
Held-to-maturity	97	50
Available-for-sale	1,282	1,239
Estimated fair value
Held-to-maturity, Estimated fair value	9,696	10,041
Available-for-sale	7,053	7,291
Small Business Administration loan-backed securities
Amortized cost
Available-for-sale	543	571
Gross unrealized gains 1
Available-for-sale	0	0
Gross unrealized losses
Available-for-sale	25	25
Estimated fair value
Available-for-sale	518	546
Municipal securities
Amortized cost
Held-to-maturity	341	354
Available-for-sale	1,336	1,385
Gross unrealized gains 1
Held-to-maturity	0	0
Available-for-sale	0	0
Gross unrealized losses
Held-to-maturity	17	16
Available-for-sale	77	67
Estimated fair value
Held-to-maturity, Estimated fair value	324	338
Available-for-sale	1,259	1,318
Other debt securities
Amortized cost
Available-for-sale	25	25
Gross unrealized gains 1
Available-for-sale	0	0
Gross unrealized losses
Available-for-sale	1	2
Estimated fair value
Available-for-sale	$ 24	23
Available-for-sale, Unrealized Gains, Other
Gross unrealized gains 1
Available-for-sale		$ 1

Investments (Contractual Maturi

Investments (Contractual Maturities Debt Securities) (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Amortized cost
Total debt securities	$ 10,209
Due in one year or less	30
Due after one year through five years	129
Due after five years through ten years	198
Due after ten years	$ 9,852
Average yield
Total debt securities	1.91%
Due in one year or less	2.86%
Due after one year through five years	2.91%
Due after five years through ten years	3.14%
Due after ten years	1.87%
Amortized cost
Available-for-sale	$ 11,452	$ 11,759
Due in one year or less	478
Due after one year through five years	710
Due after five years through ten years	2,465
Due after ten years	$ 7,799
Average yield
Total debt securities	2.32%
Due in one year or less	3.32%
Due after one year through five years	2.61%
Due after five years through ten years	2.23%
Due after ten years	2.26%
Amortized cost
Total HTM and AFS investment securities	$ 21,661	22,141
Due in one year or less	508
Due after one year through five years	839
Due after five years through ten years	2,663
Due after ten years	$ 17,651
Average yield
Total debt securities	2.12%
Due in one year or less	3.29%
Due after one year through five years	2.66%
Due after five years through ten years	2.30%
Due after ten years	2.04%
Agency securities
Amortized cost
Total debt securities	$ 92
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	$ 92
Average yield
Total debt securities	3.52%
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	3.52%
Amortized cost
Available-for-sale	$ 629	663
Due in one year or less	142
Due after one year through five years	122
Due after five years through ten years	202
Due after ten years	$ 163
Average yield
Total debt securities	2.59%
Due in one year or less	1.55%
Due after one year through five years	2.74%
Due after five years through ten years	2.84%
Due after ten years	3.09%
Agency guaranteed mortgage-backed securities
Amortized cost
Total debt securities	$ 9,776
Due in one year or less	0
Due after one year through five years	0
Due after five years through ten years	44
Due after ten years	$ 9,732
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	1.93%
Due after ten years	1.85%
Amortized cost
Available-for-sale	$ 8,335	8,530
Due in one year or less	5
Due after one year through five years	150
Due after five years through ten years	1,412
Due after ten years	$ 6,768
Average yield
Total debt securities	2.02%
Due in one year or less	1.28%
Due after one year through five years	1.70%
Due after five years through ten years	2.12%
Due after ten years	2.01%
Municipal securities
Amortized cost
Total debt securities	$ 341
Due in one year or less	30
Due after one year through five years	129
Due after five years through ten years	154
Due after ten years	$ 28
Average yield
Total debt securities	3.19%
Due in one year or less	2.86%
Due after one year through five years	2.91%
Due after five years through ten years	3.49%
Due after ten years	3.17%
Amortized cost
Available-for-sale	$ 1,336	1,385
Due in one year or less	147
Due after one year through five years	408
Due after five years through ten years	713
Due after ten years	$ 68
Average yield
Total debt securities	2.18%
Due in one year or less	2.72%
Due after one year through five years	2.56%
Due after five years through ten years	1.85%
Due after ten years	2.30%
Small Business Administration loan-backed securities
Amortized cost
Available-for-sale	$ 543	571
Due in one year or less	1
Due after one year through five years	20
Due after five years through ten years	138
Due after ten years	$ 384
Average yield
Total debt securities	5.53%
Due in one year or less	4.92%
Due after one year through five years	6.33%
Due after five years through ten years	4.43%
Due after ten years	5.88%
U.S. Treasury securities
Amortized cost
Available-for-sale	$ 584	585
Due in one year or less	183
Due after one year through five years	0
Due after five years through ten years	0
Due after ten years	$ 401
Average yield
Total debt securities	3.25%
Due in one year or less	5.22%
Due after one year through five years	0%
Due after five years through ten years	0%
Due after ten years	2.35%
Other debt securities
Amortized cost
Available-for-sale	$ 25	$ 25
Due in one year or less	0
Due after one year through five years	10
Due after five years through ten years	0
Due after ten years	$ 15
Average yield
Total debt securities	8.78%
Due in one year or less	0%
Due after one year through five years	9.52%
Due after five years through ten years	0%
Due after ten years	8.29%

Investments (Summary of Amount

Investments (Summary of Amount of Gross Unrealized Losses for Debt Securities and Estimated Fair Value) (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Gross unrealized losses
Total investment securities, less than 12 months	$ 74	$ 73
Total investment securities, 12 months or more	1,447	1,386
Total investment securities, total	1,521	1,459
Estimated fair value
Total investment securities, less than 12 months	408	550
Total investment securities, 12 months or more	9,170	9,373
Total investment securities, total	9,578	9,923
Municipal securities
Gross unrealized losses
Available-for-sale, less than 12 Months	1	2
Available-for-sale, 12 Months or more	76	65
Available-for-sale, total	77	67
Estimated fair value
Available-for-sale, less than 12 Months	83	229
Available-for-sale, 12 months or more	1,154	1,061
Available-for-sale, total	1,237	1,290
U.S. Treasury securities
Gross unrealized losses
Available-for-sale, less than 12 Months	0	0
Available-for-sale, 12 Months or more	103	93
Available-for-sale, total	103	93
Estimated fair value
Available-for-sale, less than 12 Months	10	0
Available-for-sale, 12 months or more	298	308
Available-for-sale, total	308	308
Agency securities
Gross unrealized losses
Available-for-sale, less than 12 Months	0	0
Available-for-sale, 12 Months or more	33	33
Available-for-sale, total	33	33
Estimated fair value
Available-for-sale, less than 12 Months	0	5
Available-for-sale, 12 months or more	579	605
Available-for-sale, total	579	610
Agency guaranteed mortgage-backed securities
Gross unrealized losses
Available-for-sale, less than 12 Months	73	71
Available-for-sale, 12 Months or more	1,209	1,168
Available-for-sale, total	1,282	1,239
Estimated fair value
Available-for-sale, less than 12 Months	312	312
Available-for-sale, 12 months or more	6,665	6,902
Available-for-sale, total	6,977	7,214
Small Business Administration loan-backed securities
Gross unrealized losses
Available-for-sale, less than 12 Months	0	0
Available-for-sale, 12 Months or more	25	25
Available-for-sale, total	25	25
Estimated fair value
Available-for-sale, less than 12 Months	3	4
Available-for-sale, 12 months or more	460	484
Available-for-sale, total	463	488
Other
Gross unrealized losses
Available-for-sale, less than 12 Months	0	0
Available-for-sale, 12 Months or more	1	2
Available-for-sale, total	1	2
Estimated fair value
Available-for-sale, less than 12 Months	0	0
Available-for-sale, 12 months or more	14	13
Available-for-sale, total	$ 14	$ 13

Investments (Securities Gains a

Investments (Securities Gains and Losses Recognized in Income) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Investments [Abstract]
Available-for-sale, gross gains	$ 0	$ 1
Available-for-sale, gross losses	0	1
Trading, gross gains	10	3
Trading, gross losses	9	3
Other noninterest-bearing investments, Nonmarketable equity securities, Gross gains	6	4
Other noninterest-bearing investments, Nonmarketable equity securities, Gross losses	9	3
Gross gains	16	8
Gross losses	18	7
Securities gains (losses), net	$ (2)	$ 1

Investments (Rollforward of Tot

Investments (Rollforward of Total Amount of Credit-Related OTTI) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Net Investment Income [Line Items]
Held-to-maturity	$ 57	$ 61
Available-for-sale	85	75
Trading	0	1
Total securities	142	137
Taxable
Net Investment Income [Line Items]
Held-to-maturity	56	60
Available-for-sale	77	69
Trading	0	1
Total securities	133	130
Nontaxable
Net Investment Income [Line Items]
Held-to-maturity	1	1
Available-for-sale	8	6
Trading	0	0
Total securities	$ 9	$ 7

Loans, Leases, and Allowance _3

Loans, Leases, and Allowance for Credit Losses (Summary of Major Portfolio Segment and Specific Loan Class) (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans held for sale	$ 12	$ 53
Total loans and leases	58,109	57,779
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	30,479	30,588
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	16,519	16,684
Commercial | Leasing
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	388	383
Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	9,295	9,219
Commercial | Municipal
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	4,277	4,302
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	13,578	13,371
Commercial real estate | Construction and land development
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	2,686	2,669
Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	10,892	10,702
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	14,052	13,820
Consumer | Home equity credit line
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	3,382	3,356
Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	8,778	8,415
Consumer | Construction and other consumer real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	1,321	1,442
Consumer | Bankcard and other revolving plans
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	439	474
Consumer | Other
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	$ 132	$ 133

Loans, Leases, and Allowance _4

Loans, Leases, and Allowance for Credit Losses (Narrative) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Financing Receivable, Allowance for Credit Losses [Line Items]
Net unamortized purchase premiums, discounts, and deferred loan fees and cost	$ 32,000,000		$ 37,000,000
Accrued interest receivable	$ 300,000,000		$ 299,000,000
Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Other assets		Other assets
Total loans	$ 58,109,000,000		$ 57,779,000,000
Loans held for sale	12,000,000		53,000,000
Principal balance of loans sold, serviced loans	500,000,000		400,000,000
Total income from loans sold	1,000,000	$ 5,000,000
Interest income	0	0
Financing receivable, commitments threshold for evaluating collectively or individually	1,000,000
Amortized cost basis	123,000,000	97,000,000
Unfunded lending commitments on troubled debt restructuring	3,000,000	8,000,000
Real estate acquired through foreclosure	1,000,000		0
Mortgage loans in process of foreclosure	11,000,000
Doubtful
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	5,000,000		0
Nonaccrual
Financing Receivable, Allowance for Credit Losses [Line Items]
Modified, still in default	1,000,000
Principal forgiveness
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis	2,000,000	0
Payment deferral
Financing Receivable, Allowance for Credit Losses [Line Items]
Modified, still in default	18,000,000	1,000,000
Amortized cost basis	0	0
Asset Pledged as Collateral without Right
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans held for sale	38,700,000,000		36,300,000,000
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	30,479,000,000		30,588,000,000
Amortized cost basis	33,000,000	46,000,000
Commercial | Principal forgiveness
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis	0	0
Commercial | Payment deferral
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis	0	0
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	13,578,000,000		13,371,000,000
Amortized cost basis	84,000,000	49,000,000
Commercial real estate | Principal forgiveness
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis	0	0
Commercial real estate | Payment deferral
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis	0	0
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	14,052,000,000		13,820,000,000
Amortized cost basis	6,000,000	2,000,000
Consumer | Principal forgiveness
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis	2,000,000	0
Consumer | Payment deferral
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis	0	0
Land Acquisition and Development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	237,000,000		219,000,000
Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	16,519,000,000		16,684,000,000
Amortized cost basis	30,000,000	36,000,000
Commercial and industrial | Commercial | Nonaccrual
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	110,000,000		$ 82,000,000
Commercial and industrial | Commercial | Principal forgiveness
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis	0	0
Commercial and industrial | Commercial | Payment deferral
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis	$ 0	$ 0

Loans, Leases, and Allowance _5

Loans, Leases, and Allowance for Credit Losses (Loans Held For Sale) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Receivables [Abstract]
Loans added to held for sale	$ 129	$ 86
Loans sold from held for sale	$ 170	$ 89

Loans, Leases, and Allowance _6

Loans, Leases, and Allowance for Credit Losses (Summary of Changes in the Allowance for Credit Losses) (Details) - USD ($) $ in Millions	3 Months Ended		12 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Allowance for loan losses
Balance at beginning of period	$ 684	$ 572	$ 572
Provision for loan and lease losses	21	46
Total	14	7	62
Recoveries	8	7
Net loan and lease charge-offs (recoveries)	6	0
Balance at end of period	699	618	684
Reserve for unfunded lending commitments
Balance at beginning of period	45	61	61
Provision for unfunded lending commitments	(8)	(1)
Balance at end of period	37	60	45
Total allowance for credit losses	736	678
Commercial
Allowance for loan losses
Balance at beginning of period	302	300	300
Provision for loan and lease losses	(2)	10
Total	10	3	45
Recoveries	6	6
Net loan and lease charge-offs (recoveries)	4	(3)
Balance at end of period	296	313	302
Reserve for unfunded lending commitments
Balance at beginning of period	19	16	16
Provision for unfunded lending commitments	0	3
Balance at end of period	19	19	19
Total allowance for credit losses	315	332
Commercial real estate
Allowance for loan losses
Balance at beginning of period	241	152	152
Provision for loan and lease losses	57	8
Total	0	0	3
Recoveries	1	0
Net loan and lease charge-offs (recoveries)	(1)	0
Balance at end of period	299	160	241
Reserve for unfunded lending commitments
Balance at beginning of period	17	33	33
Provision for unfunded lending commitments	(7)	(5)
Balance at end of period	10	28	17
Total allowance for credit losses	309	188
Consumer
Allowance for loan losses
Balance at beginning of period	141	120	120
Provision for loan and lease losses	(34)	28
Total	4	4	14
Recoveries	1	1
Net loan and lease charge-offs (recoveries)	3	3
Balance at end of period	104	145	141
Reserve for unfunded lending commitments
Balance at beginning of period	9	12	12
Provision for unfunded lending commitments	(1)	1
Balance at end of period	8	13	$ 9
Total allowance for credit losses	$ 112	$ 158

Loans, Leases, and Allowance _7

Loans, Leases, and Allowance for Credit Losses (Summary of Nonaccrual Loans) (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	$ 66	$ 91
Amortized cost basis with allowance	182	131
Nonaccrual loans that are current	248	222
Related allowance	39	43
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	20	23
Amortized cost basis with allowance	112	81
Nonaccrual loans that are current	132	104
Related allowance	27	32
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	7	11
Amortized cost basis with allowance	103	71
Nonaccrual loans that are current	110	82
Related allowance	25	30
Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	13	12
Amortized cost basis with allowance	7	8
Nonaccrual loans that are current	20	20
Related allowance	1	1
Commercial | Leasing
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	0	0
Amortized cost basis with allowance	2	2
Nonaccrual loans that are current	2
Related allowance	1	1
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	34	59
Amortized cost basis with allowance	9	2
Nonaccrual loans that are current	43	61
Related allowance	1	1
Commercial real estate | Construction and land development
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	0	22
Amortized cost basis with allowance	1	0
Nonaccrual loans that are current	1	22
Related allowance	0	0
Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	34	37
Amortized cost basis with allowance	8	2
Nonaccrual loans that are current	42	39
Related allowance	1	1
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	12	9
Amortized cost basis with allowance	61	48
Nonaccrual loans that are current	73	57
Related allowance	11	10
Consumer | Home equity credit line
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	4	1
Amortized cost basis with allowance	23	16
Nonaccrual loans that are current	27	17
Related allowance	4	5
Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	8	8
Amortized cost basis with allowance	36	32
Nonaccrual loans that are current	44	40
Related allowance	6	$ 5
Consumer | Bankcard and other revolving plans
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	0
Amortized cost basis with allowance	1
Nonaccrual loans that are current	1
Related allowance	1
Consumer | Other
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	0
Amortized cost basis with allowance	1
Nonaccrual loans that are current	1
Related allowance	$ 0

Loans, Leases, and Allowance _8

Loans, Leases, and Allowance for Credit Losses (Summary of Accrued Interest Receivables Reversed) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Financing Receivable, Past Due [Line Items]
Accrued interest receivable written off	$ 5	$ 3
Amortized cost basis	123	97
Interest rate reduction
Financing Receivable, Past Due [Line Items]
Amortized cost basis	0	4
Maturity or term extension
Financing Receivable, Past Due [Line Items]
Amortized cost basis	114	92
Multiple modification types
Financing Receivable, Past Due [Line Items]
Amortized cost basis	7	1
Commercial
Financing Receivable, Past Due [Line Items]
Accrued interest receivable written off	3	2
Amortized cost basis	33	46
Commercial | Interest rate reduction
Financing Receivable, Past Due [Line Items]
Amortized cost basis	0	4
Commercial | Maturity or term extension
Financing Receivable, Past Due [Line Items]
Amortized cost basis	29	42
Commercial | Multiple modification types
Financing Receivable, Past Due [Line Items]
Amortized cost basis	4	0
Commercial | Commercial and industrial
Financing Receivable, Past Due [Line Items]
Amortized cost basis	30	36
Commercial | Commercial and industrial | Interest rate reduction
Financing Receivable, Past Due [Line Items]
Amortized cost basis	0	0
Commercial | Commercial and industrial | Maturity or term extension
Financing Receivable, Past Due [Line Items]
Amortized cost basis	26	36
Commercial | Commercial and industrial | Multiple modification types
Financing Receivable, Past Due [Line Items]
Amortized cost basis	4	0
Commercial real estate
Financing Receivable, Past Due [Line Items]
Accrued interest receivable written off	1	1
Amortized cost basis	84	49
Commercial real estate | Interest rate reduction
Financing Receivable, Past Due [Line Items]
Amortized cost basis	0	0
Commercial real estate | Maturity or term extension
Financing Receivable, Past Due [Line Items]
Amortized cost basis	84	49
Commercial real estate | Multiple modification types
Financing Receivable, Past Due [Line Items]
Amortized cost basis	0	0
Consumer
Financing Receivable, Past Due [Line Items]
Accrued interest receivable written off	1	0
Amortized cost basis	6	2
Consumer | Interest rate reduction
Financing Receivable, Past Due [Line Items]
Amortized cost basis	0	0
Consumer | Maturity or term extension
Financing Receivable, Past Due [Line Items]
Amortized cost basis	1	1
Consumer | Multiple modification types
Financing Receivable, Past Due [Line Items]
Amortized cost basis	$ 3	$ 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	Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	$ 58,109	$ 57,779
90+ days past due	3	3
Nonaccrual loans that are current	248	222
Loans and leases, net of unearned income and fees	58,109	57,779
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	30,479	30,588
90+ days past due	2	2
Nonaccrual loans that are current	132	104
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	13,578	13,371
90+ days past due	0	0
Nonaccrual loans that are current	43	61
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	14,052	13,820
90+ days past due	1	1
Nonaccrual loans that are current	73	57
Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	16,519	16,684
90+ days past due	2	1
Nonaccrual loans that are current	110	82
Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	388	383
90+ days past due	0	0
Nonaccrual loans that are current	2
Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	9,295	9,219
90+ days past due	0	1
Nonaccrual loans that are current	20	20
Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	4,277	4,302
90+ days past due	0	0
Loans and leases, net of unearned income and fees	8		$ 0
Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	2,686	2,669
90+ days past due	0	0
Nonaccrual loans that are current	1	22
Loans and leases, net of unearned income and fees	25		0
Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	10,892	10,702
90+ days past due	0	0
Nonaccrual loans that are current	42	39
Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	3,382	3,356
90+ days past due	0	0
Nonaccrual loans that are current	27	17
Loans and leases, net of unearned income and fees	2		0
1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	8,778	8,415
90+ days past due	0	0
Nonaccrual loans that are current	44	40
Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1,321	1,442
90+ days past due	0	0
Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	439	474
90+ days past due	1	1
Nonaccrual loans that are current	1
Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	132	133
90+ days past due	0	0
Nonaccrual loans that are current	1
Loans and leases, net of unearned income and fees	1		0
Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	57,919	57,576
Current | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	30,430	30,519
Current | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	13,500	13,306
Current | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	13,989	13,751
Current | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	16,480	16,631
Current | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	386	381
Current | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	9,288	9,206
Current | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	4,276	4,301
Loans and leases, net of unearned income and fees	8		0
Current | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	2,682	2,645
Loans and leases, net of unearned income and fees	23		0
Current | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	10,818	10,661
Current | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	3,361	3,334
Loans and leases, net of unearned income and fees	2		0
Current | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	8,740	8,375
Current | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1,321	1,442
Current | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	436	468
Current | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	131	132
Loans and leases, net of unearned income and fees	1		0
Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	190	203
Total past due | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	49	69
Total past due | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	78	65
Total past due | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	63	69
Total past due | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	39	53
Total past due | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	2	2
Total past due | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	7	13
Total past due | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1	1
Loans and leases, net of unearned income and fees	0		0
Total past due | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	4	24
Loans and leases, net of unearned income and fees	2		0
Total past due | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	74	41
Total past due | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	21	22
Loans and leases, net of unearned income and fees	0		0
Total past due | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	38	40
Total past due | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
Total past due | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	3	6
Total past due | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1	1
Loans and leases, net of unearned income and fees	0		0
30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	101	108
30-89 days past due | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	25	52
30-89 days past due | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	47	16
30-89 days past due | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	29	40
30-89 days past due | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	17	38
30-89 days past due | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	2	2
30-89 days past due | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	5	11
30-89 days past due | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1	1
Loans and leases, net of unearned income and fees	0		0
30-89 days past due | Construction and land development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	3	2
Loans and leases, net of unearned income and fees	1		0
30-89 days past due | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	44	14
30-89 days past due | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	11	17
Loans and leases, net of unearned income and fees	0		0
30-89 days past due | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	15	17
30-89 days past due | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
30-89 days past due | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	2	5
30-89 days past due | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1	1
Loans and leases, net of unearned income and fees	0		0
90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	89	95
90+ days past due | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	24	17
90+ days past due | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	31	49
90+ days past due | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	34	29
90+ days past due | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	22	15
90+ days past due | Leasing | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
90+ days past due | Owner-occupied | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	2	2
90+ days past due | Municipal | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
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]
Total loans	1	22
Loans and leases, net of unearned income and fees	1		0
90+ days past due | Term | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	30	27
90+ days past due | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	10	5
Loans and leases, net of unearned income and fees	0		0
90+ days past due | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	23	23
90+ days past due | Construction and other consumer real estate | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
90+ days past due | Bankcard and other revolving plans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	1	1
90+ days past due | Other | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans	0	0
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	139	108
Nonaccrual loans that are current | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	105	83
Nonaccrual loans that are current | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	3	3
Nonaccrual loans that are current | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	31	22
Nonaccrual loans that are current | Commercial and industrial | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	87	65
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	18
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	3
Nonaccrual loans that are current | Home equity credit line | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	14	9
Nonaccrual loans that are current | 1-4 family residential | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	16	13
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	$ 1	$ 0

Loans, Leases, and Allowance_10

Loans, Leases, and Allowance for Credit Losses (Summary of Outstanding Loan Balances (Accruing and Nonaccruing) Categorized by Credit Quality Indicators - Current Year) (Details) - USD ($) $ in Millions	3 Months Ended		12 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Total loans
2024	$ 1,686		$ 8,155
2023	8,166		12,553
2022	12,354		8,774
2021	8,418		4,982
2020	4,664		3,222
Prior	9,296		6,610
Revolving loans amortized cost basis	12,909		12,896
Revolving loans converted to term loans amortized cost basis	616		587
Total loans	58,109		57,779
Gross charge-offs
2024	0		1
2023	1		12
2022	3		6
2021	1		0
2020	0		1
Prior	2		4
Revolving loans amortized cost basis	6		36
Revolving loans converted to term loans amortized cost basis	1		2
Total	14	$ 7	62
Commercial
Total loans
2024	794		4,492
2023	4,508		5,770
2022	5,406		4,436
2021	4,259		2,336
2020	2,223		1,729
Prior	4,651		3,201
Revolving loans amortized cost basis	8,402		8,410
Revolving loans converted to term loans amortized cost basis	236		214
Total loans	30,479		30,588
Gross charge-offs
2024	0		1
2023	1		10
2022	3		6
2021	1		0
2020	0		0
Prior	0		2
Revolving loans amortized cost basis	4		24
Revolving loans converted to term loans amortized cost basis	1		2
Total	10	3	45
Commercial real estate
Total loans
2024	662		2,571
2023	2,514		3,477
2022	3,556		2,294
2021	2,138		1,634
2020	1,448		884
Prior	2,194		1,482
Revolving loans amortized cost basis	788		757
Revolving loans converted to term loans amortized cost basis	278		272
Total loans	13,578		13,371
Gross charge-offs
2024	0		0
2023	0		2
2022	0		0
2021	0		0
2020	0		1
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total	0	0	3
Consumer
Total loans
2024	230		1,092
2023	1,144		3,306
2022	3,392		2,044
2021	2,021		1,012
2020	993		609
Prior	2,451		1,927
Revolving loans amortized cost basis	3,719		3,729
Revolving loans converted to term loans amortized cost basis	102		101
Total loans	14,052		13,820
Gross charge-offs
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	0		0
Prior	2		2
Revolving loans amortized cost basis	2		12
Revolving loans converted to term loans amortized cost basis	0		0
Total	4	4	14
Commercial and industrial | Commercial
Total loans
2024	380		2,678
2023	2,658		2,572
2022	2,331		1,246
2021	1,167		645
2020	578		544
Prior	1,059		644
Revolving loans amortized cost basis	8,168		8,196
Revolving loans converted to term loans amortized cost basis	178		159
Total loans	16,519		16,684
Gross charge-offs
2024	0	1
2023	1	10
2022	3	6
2021	1	0
2020	0	0
Prior	0	2
Revolving loans amortized cost basis	4	24
Revolving loans converted to term loans amortized cost basis	1	2
Total	10	45
Leasing | Commercial
Total loans
2024	39		106
2023	96		136
2022	126		48
2021	43		30
2020	27		45
Prior	57		18
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	388		383
Gross charge-offs
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total	0	$ 0
Owner-occupied | Commercial
Total loans
2024	254		1,092
2023	1,141		1,982
2022	1,893		2,067
2021	2,029		1,035
2020	1,016		757
Prior	2,675		2,020
Revolving loans amortized cost basis	232		214
Revolving loans converted to term loans amortized cost basis	55		52
Total loans	9,295		9,219
Gross charge-offs
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	0		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total	0		0
Municipal | Commercial
Total loans
2024	121		616
2023	613		1,080
2022	1,056		1,075
2021	1,020		626
2020	602		383
Prior	860		519
Revolving loans amortized cost basis	2		0
Revolving loans converted to term loans amortized cost basis	3		3
Total loans	4,277		4,302
Gross charge-offs
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	0		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total	0		0
Construction and land development | Commercial real estate
Total loans
2024	95		576
2023	632		940
2022	942		384
2021	343		91
2020	36		28
Prior	12		4
Revolving loans amortized cost basis	502		519
Revolving loans converted to term loans amortized cost basis	124		127
Total loans	2,686		2,669
Gross charge-offs
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	0		1
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total	0		1
Term | Commercial real estate
Total loans
2024	567		1,995
2023	1,882		2,537
2022	2,614		1,910
2021	1,795		1,543
2020	1,412		856
Prior	2,182		1,478
Revolving loans amortized cost basis	286		238
Revolving loans converted to term loans amortized cost basis	154		145
Total loans	10,892		10,702
Gross charge-offs
2024	0		0
2023	0		2
2022	0		0
2021	0		0
2020	0		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total	0		2
Home equity credit line | Consumer
Total loans
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	0		0
Prior	0		0
Revolving loans amortized cost basis	3,281		3,256
Revolving loans converted to term loans amortized cost basis	101		100
Total loans	3,382		3,356
Gross charge-offs
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	0		0
Prior	0		0
Revolving loans amortized cost basis	0		3
Revolving loans converted to term loans amortized cost basis	0		0
Total	0		3
1-4 family residential | Consumer
Total loans
2024	196		814
2023	820		2,267
2022	2,452		1,826
2021	1,895		991
2020	978		598
Prior	2,437		1,919
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	8,778		8,415
Gross charge-offs
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	0		0
Prior	1		2
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total	1		2
Construction and other consumer real estate | Consumer
Total loans
2024	12		212
2023	272		1,002
2022	907		200
2021	110		15
2020	10		7
Prior	10		6
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	1,321		1,442
Gross charge-offs
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	0		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total	0		0
Bankcard and other revolving plans | Consumer
Total loans
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	0		0
Prior	0		0
Revolving loans amortized cost basis	438		473
Revolving loans converted to term loans amortized cost basis	1		1
Total loans	439		474
Gross charge-offs
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	0		0
Prior	0		0
Revolving loans amortized cost basis	2		9
Revolving loans converted to term loans amortized cost basis	0		0
Total	2		9
Other | Consumer
Total loans
2024	22		66
2023	52		37
2022	33		18
2021	16		6
2020	5		4
Prior	4		2
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	132		133
Gross charge-offs
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	0		0
Prior	1		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total	1		0
Pass | Commercial and industrial | Commercial
Total loans
2024	361		2,654
2023	2,617		2,420
2022	2,200		1,204
2021	1,133		639
2020	568		494
Prior	968		598
Revolving loans amortized cost basis	7,978		7,973
Revolving loans converted to term loans amortized cost basis	166		151
Total loans	15,991		16,133
Pass | Leasing | Commercial
Total loans
2024	39		104
2023	94		125
2022	116		47
2021	42		29
2020	26		45
Prior	57		18
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	374		368
Pass | Owner-occupied | Commercial
Total loans
2024	248		1,080
2023	1,126		1,945
2022	1,852		2,020
2021	1,979		1,002
2020	975		721
Prior	2,524		1,907
Revolving loans amortized cost basis	209		212
Revolving loans converted to term loans amortized cost basis	50		52
Total loans	8,963		8,939
Pass | Municipal | Commercial
Total loans
2024	121		601
2023	598		1,080
2022	1,056		1,069
2021	1,014		623
2020	599		382
Prior	855		512
Revolving loans amortized cost basis	2		0
Revolving loans converted to term loans amortized cost basis	3		3
Total loans	4,248		4,270
Pass | Construction and land development | Commercial real estate
Total loans
2024	95		553
2023	613		938
2022	933		355
2021	273		56
2020	35		7
Prior	12		4
Revolving loans amortized cost basis	501		518
Revolving loans converted to term loans amortized cost basis	124		127
Total loans	2,586		2,558
Pass | Term | Commercial real estate
Total loans
2024	431		1,861
2023	1,735		2,385
2022	2,375		1,833
2021	1,680		1,449
2020	1,286		804
Prior	2,136		1,438
Revolving loans amortized cost basis	286		238
Revolving loans converted to term loans amortized cost basis	109		110
Total loans	10,038		10,118
Pass | Home equity credit line | Consumer
Total loans
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	0		0
Prior	0		0
Revolving loans amortized cost basis	3,256		3,237
Revolving loans converted to term loans amortized cost basis	95		97
Total loans	3,351		3,334
Pass | 1-4 family residential | Consumer
Total loans
2024	196		814
2023	819		2,264
2022	2,448		1,823
2021	1,890		988
2020	976		594
Prior	2,405		1,891
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	8,734		8,374
Pass | Construction and other consumer real estate | Consumer
Total loans
2024	12		212
2023	272		1,002
2022	907		200
2021	110		15
2020	10		7
Prior	10		6
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	1,321		1,442
Pass | Bankcard and other revolving plans | Consumer
Total loans
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	0		0
Prior	0		0
Revolving loans amortized cost basis	435		471
Revolving loans converted to term loans amortized cost basis	1		1
Total loans	436		472
Pass | Other | Consumer
Total loans
2024	22		66
2023	51		37
2022	33		18
2021	16		6
2020	5		4
Prior	4		2
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	131		133
Special Mention | Commercial and industrial | Commercial
Total loans
2024	0		8
2023	7		98
2022	90		34
2021	20		2
2020	3		20
Prior	4		37
Revolving loans amortized cost basis	72		103
Revolving loans converted to term loans amortized cost basis	2		0
Total loans	198		302
Special Mention | Leasing | Commercial
Total loans
2024	0		2
2023	2		9
2022	8		1
2021	1		1
2020	1		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	12		13
Special Mention | Owner-occupied | Commercial
Total loans
2024	0		2
2023	5		5
2022	9		17
2021	21		5
2020	14		17
Prior	25		15
Revolving loans amortized cost basis	15		0
Revolving loans converted to term loans amortized cost basis	5		0
Total loans	94		61
Special Mention | Municipal | Commercial
Total loans
2024	0		7
2023	0		0
2022	0		0
2021	0		0
2020	0		0
Prior	0		6
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	0		13
Special Mention | Construction and land development | Commercial real estate
Total loans
2024	0		0
2023	0		0
2022	8		29
2021	70		30
2020	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	78		59
Special Mention | Term | Commercial real estate
Total loans
2024	95		55
2023	74		108
2022	183		65
2021	103		78
2020	109		44
Prior	4		6
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	10		0
Total loans	578		356
Special Mention | Home equity credit line | Consumer
Total loans
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	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
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	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
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	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
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	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
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	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
2024	19		11
2023	30		18
2022	9		7
2021	13		2
2020	5		19
Prior	40		8
Revolving loans amortized cost basis	100		99
Revolving loans converted to term loans amortized cost basis	4		3
Total loans	220		167
Accruing Substandard | Leasing | Commercial
Total loans
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	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 | Owner-occupied | Commercial
Total loans
2024	6		10
2023	10		31
2022	31		29
2021	28		21
2020	20		16
Prior	115		90
Revolving loans amortized cost basis	8		2
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	218		199
Accruing Substandard | Municipal | Commercial
Total loans
2024	0		8
2023	15		0
2022	0		6
2021	6		3
2020	3		1
Prior	5		1
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	29		19
Accruing Substandard | Construction and land development | Commercial real estate
Total loans
2024	0		23
2023	19		2
2022	1		0
2021	0		5
2020	1		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	21		30
Accruing Substandard | Term | Commercial real estate
Total loans
2024	41		79
2023	69		18
2022	30		12
2021	12		16
2020	17		5
Prior	30		24
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	35		35
Total loans	234		189
Accruing Substandard | Home equity credit line | Consumer
Total loans
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	0		0
Prior	0		0
Revolving loans amortized cost basis	4		4
Revolving loans converted to term loans amortized cost basis	0		1
Total loans	4		5
Accruing Substandard | 1-4 family residential | Consumer
Total loans
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	0		0
Prior	0		1
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	0		1
Accruing Substandard | Construction and other consumer real estate | Consumer
Total loans
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	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
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	0		0
Prior	0		0
Revolving loans amortized cost basis	2		2
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	2		2
Accruing Substandard | Other | Consumer
Total loans
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	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
2024	0		5
2023	4		36
2022	32		1
2021	1		2
2020	2		11
Prior	47		1
Revolving loans amortized cost basis	18		21
Revolving loans converted to term loans amortized cost basis	6		5
Total loans	110		82
Nonaccrual | Leasing | Commercial
Total loans
2024	0		0
2023	0		2
2022	2		0
2021	0		0
2020	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		2
Nonaccrual | Owner-occupied | Commercial
Total loans
2024	0		0
2023	0		1
2022	1		1
2021	1		7
2020	7		3
Prior	11		8
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	20		20
Nonaccrual | Municipal | Commercial
Total loans
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	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
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	0		21
Prior	0		0
Revolving loans amortized cost basis	1		1
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	1		22
Nonaccrual | Term | Commercial real estate
Total loans
2024	0		0
2023	4		26
2022	26		0
2021	0		0
2020	0		3
Prior	12		10
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	42		39
Nonaccrual | Home equity credit line | Consumer
Total loans
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	0		0
Prior	0		0
Revolving loans amortized cost basis	21		15
Revolving loans converted to term loans amortized cost basis	6		2
Total loans	27		17
Nonaccrual | 1-4 family residential | Consumer
Total loans
2024	0		0
2023	1		3
2022	4		3
2021	5		3
2020	2		4
Prior	32		27
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	44		40
Nonaccrual | Construction and other consumer real estate | Consumer
Total loans
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	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
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	0		0
Prior	0		0
Revolving loans amortized cost basis	1		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	1		0
Nonaccrual | Other | Consumer
Total loans
2024	0		0
2023	1		0
2022	0		0
2021	0		0
2020	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	$ 1		$ 0

Loans, Leases, and Allowance_11

Loans, Leases, and Allowance for Credit Losses (Summary of Outstanding Loan Balances (Accruing and Nonaccruing) Categorized by Credit Quality Indicators - Prior Year) (Details) - USD ($) $ in Millions	3 Months Ended		12 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Total loans
2023	$ 1,686		$ 8,155
2022	8,166		12,553
2021	12,354		8,774
2020	8,418		4,982
2018	4,664		3,222
Prior	9,296		6,610
Revolving loans amortized cost basis	12,909		12,896
Revolving loans converted to term loans amortized cost basis	616		587
Total loans	58,109		57,779
Gross charge-offs
2023	0		1
2022	1		12
2021	3		6
2020	1		0
2018	0		1
Prior	2		4
Revolving loans amortized cost basis	6		36
Revolving loans converted to term loans amortized cost basis	1		2
Total	14	$ 7	62
Commercial
Total loans
2023	794		4,492
2022	4,508		5,770
2021	5,406		4,436
2020	4,259		2,336
2018	2,223		1,729
Prior	4,651		3,201
Revolving loans amortized cost basis	8,402		8,410
Revolving loans converted to term loans amortized cost basis	236		214
Total loans	30,479		30,588
Gross charge-offs
2023	0		1
2022	1		10
2021	3		6
2020	1		0
2018	0		0
Prior	0		2
Revolving loans amortized cost basis	4		24
Revolving loans converted to term loans amortized cost basis	1		2
Total	10	3	45
Commercial real estate
Total loans
2023	662		2,571
2022	2,514		3,477
2021	3,556		2,294
2020	2,138		1,634
2018	1,448		884
Prior	2,194		1,482
Revolving loans amortized cost basis	788		757
Revolving loans converted to term loans amortized cost basis	278		272
Total loans	13,578		13,371
Gross charge-offs
2023	0		0
2022	0		2
2021	0		0
2020	0		0
2018	0		1
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total	0	0	3
Consumer
Total loans
2023	230		1,092
2022	1,144		3,306
2021	3,392		2,044
2020	2,021		1,012
2018	993		609
Prior	2,451		1,927
Revolving loans amortized cost basis	3,719		3,729
Revolving loans converted to term loans amortized cost basis	102		101
Total loans	14,052		13,820
Gross charge-offs
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	2		2
Revolving loans amortized cost basis	2		12
Revolving loans converted to term loans amortized cost basis	0		0
Total	4	4	14
Commercial and industrial | Commercial
Total loans
2023	380		2,678
2022	2,658		2,572
2021	2,331		1,246
2020	1,167		645
2018	578		544
Prior	1,059		644
Revolving loans amortized cost basis	8,168		8,196
Revolving loans converted to term loans amortized cost basis	178		159
Total loans	16,519		16,684
Gross charge-offs
2023	0	1
2022	1	10
2021	3	6
2020	1	0
2018	0	0
Prior	0	2
Revolving loans amortized cost basis	4	24
Revolving loans converted to term loans amortized cost basis	1	2
Total	10	45
Leasing | Commercial
Total loans
2023	39		106
2022	96		136
2021	126		48
2020	43		30
2018	27		45
Prior	57		18
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	388		383
Gross charge-offs
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2018	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total	0	$ 0
Owner-occupied | Commercial
Total loans
2023	254		1,092
2022	1,141		1,982
2021	1,893		2,067
2020	2,029		1,035
2018	1,016		757
Prior	2,675		2,020
Revolving loans amortized cost basis	232		214
Revolving loans converted to term loans amortized cost basis	55		52
Total loans	9,295		9,219
Gross charge-offs
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total	0		0
Municipal | Commercial
Total loans
2023	121		616
2022	613		1,080
2021	1,056		1,075
2020	1,020		626
2018	602		383
Prior	860		519
Revolving loans amortized cost basis	2		0
Revolving loans converted to term loans amortized cost basis	3		3
Total loans	4,277		4,302
Gross charge-offs
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total	0		0
Construction and land development | Commercial real estate
Total loans
2023	95		576
2022	632		940
2021	942		384
2020	343		91
2018	36		28
Prior	12		4
Revolving loans amortized cost basis	502		519
Revolving loans converted to term loans amortized cost basis	124		127
Total loans	2,686		2,669
Gross charge-offs
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		1
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total	0		1
Term | Commercial real estate
Total loans
2023	567		1,995
2022	1,882		2,537
2021	2,614		1,910
2020	1,795		1,543
2018	1,412		856
Prior	2,182		1,478
Revolving loans amortized cost basis	286		238
Revolving loans converted to term loans amortized cost basis	154		145
Total loans	10,892		10,702
Gross charge-offs
2023	0		0
2022	0		2
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total	0		2
Home equity credit line | Consumer
Total loans
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	3,281		3,256
Revolving loans converted to term loans amortized cost basis	101		100
Total loans	3,382		3,356
Gross charge-offs
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	0		3
Revolving loans converted to term loans amortized cost basis	0		0
Total	0		3
1-4 family residential | Consumer
Total loans
2023	196		814
2022	820		2,267
2021	2,452		1,826
2020	1,895		991
2018	978		598
Prior	2,437		1,919
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	8,778		8,415
Gross charge-offs
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	1		2
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total	1		2
Construction and other consumer real estate | Consumer
Total loans
2023	12		212
2022	272		1,002
2021	907		200
2020	110		15
2018	10		7
Prior	10		6
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	1,321		1,442
Gross charge-offs
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total	0		0
Bankcard and other revolving plans | Consumer
Total loans
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	438		473
Revolving loans converted to term loans amortized cost basis	1		1
Total loans	439		474
Gross charge-offs
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	2		9
Revolving loans converted to term loans amortized cost basis	0		0
Total	2		9
Other | Consumer
Total loans
2023	22		66
2022	52		37
2021	33		18
2020	16		6
2018	5		4
Prior	4		2
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	132		133
Gross charge-offs
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	1		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total	1		0
Pass | Commercial and industrial | Commercial
Total loans
2023	361		2,654
2022	2,617		2,420
2021	2,200		1,204
2020	1,133		639
2018	568		494
Prior	968		598
Revolving loans amortized cost basis	7,978		7,973
Revolving loans converted to term loans amortized cost basis	166		151
Total loans	15,991		16,133
Pass | Leasing | Commercial
Total loans
2023	39		104
2022	94		125
2021	116		47
2020	42		29
2018	26		45
Prior	57		18
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	374		368
Pass | Owner-occupied | Commercial
Total loans
2023	248		1,080
2022	1,126		1,945
2021	1,852		2,020
2020	1,979		1,002
2018	975		721
Prior	2,524		1,907
Revolving loans amortized cost basis	209		212
Revolving loans converted to term loans amortized cost basis	50		52
Total loans	8,963		8,939
Pass | Municipal | Commercial
Total loans
2023	121		601
2022	598		1,080
2021	1,056		1,069
2020	1,014		623
2018	599		382
Prior	855		512
Revolving loans amortized cost basis	2		0
Revolving loans converted to term loans amortized cost basis	3		3
Total loans	4,248		4,270
Pass | Construction and land development | Commercial real estate
Total loans
2023	95		553
2022	613		938
2021	933		355
2020	273		56
2018	35		7
Prior	12		4
Revolving loans amortized cost basis	501		518
Revolving loans converted to term loans amortized cost basis	124		127
Total loans	2,586		2,558
Pass | Term | Commercial real estate
Total loans
2023	431		1,861
2022	1,735		2,385
2021	2,375		1,833
2020	1,680		1,449
2018	1,286		804
Prior	2,136		1,438
Revolving loans amortized cost basis	286		238
Revolving loans converted to term loans amortized cost basis	109		110
Total loans	10,038		10,118
Pass | Home equity credit line | Consumer
Total loans
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	3,256		3,237
Revolving loans converted to term loans amortized cost basis	95		97
Total loans	3,351		3,334
Pass | 1-4 family residential | Consumer
Total loans
2023	196		814
2022	819		2,264
2021	2,448		1,823
2020	1,890		988
2018	976		594
Prior	2,405		1,891
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	8,734		8,374
Pass | Construction and other consumer real estate | Consumer
Total loans
2023	12		212
2022	272		1,002
2021	907		200
2020	110		15
2018	10		7
Prior	10		6
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	1,321		1,442
Pass | Bankcard and other revolving plans | Consumer
Total loans
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	435		471
Revolving loans converted to term loans amortized cost basis	1		1
Total loans	436		472
Pass | Other | Consumer
Total loans
2023	22		66
2022	51		37
2021	33		18
2020	16		6
2018	5		4
Prior	4		2
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	131		133
Special Mention | Commercial and industrial | Commercial
Total loans
2023	0		8
2022	7		98
2021	90		34
2020	20		2
2018	3		20
Prior	4		37
Revolving loans amortized cost basis	72		103
Revolving loans converted to term loans amortized cost basis	2		0
Total loans	198		302
Special Mention | Leasing | Commercial
Total loans
2023	0		2
2022	2		9
2021	8		1
2020	1		1
2018	1		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	12		13
Special Mention | Owner-occupied | Commercial
Total loans
2023	0		2
2022	5		5
2021	9		17
2020	21		5
2018	14		17
Prior	25		15
Revolving loans amortized cost basis	15		0
Revolving loans converted to term loans amortized cost basis	5		0
Total loans	94		61
Special Mention | Municipal | Commercial
Total loans
2023	0		7
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		6
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	0		13
Special Mention | Construction and land development | Commercial real estate
Total loans
2023	0		0
2022	0		0
2021	8		29
2020	70		30
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	78		59
Special Mention | Term | Commercial real estate
Total loans
2023	95		55
2022	74		108
2021	183		65
2020	103		78
2018	109		44
Prior	4		6
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	10		0
Total loans	578		356
Special Mention | Home equity credit line | Consumer
Total loans
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	0		0
Special Mention | 1-4 family residential | Consumer
Total loans
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	0		0
Special Mention | Construction and other consumer real estate | Consumer
Total loans
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	0		0
Special Mention | Bankcard and other revolving plans | Consumer
Total loans
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	0		0
Special Mention | Other | Consumer
Total loans
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	0		0
Accruing Substandard | Commercial and industrial | Commercial
Total loans
2023	19		11
2022	30		18
2021	9		7
2020	13		2
2018	5		19
Prior	40		8
Revolving loans amortized cost basis	100		99
Revolving loans converted to term loans amortized cost basis	4		3
Total loans	220		167
Accruing Substandard | Leasing | Commercial
Total loans
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	0		0
Accruing Substandard | Owner-occupied | Commercial
Total loans
2023	6		10
2022	10		31
2021	31		29
2020	28		21
2018	20		16
Prior	115		90
Revolving loans amortized cost basis	8		2
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	218		199
Accruing Substandard | Municipal | Commercial
Total loans
2023	0		8
2022	15		0
2021	0		6
2020	6		3
2018	3		1
Prior	5		1
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	29		19
Accruing Substandard | Construction and land development | Commercial real estate
Total loans
2023	0		23
2022	19		2
2021	1		0
2020	0		5
2018	1		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	21		30
Accruing Substandard | Term | Commercial real estate
Total loans
2023	41		79
2022	69		18
2021	30		12
2020	12		16
2018	17		5
Prior	30		24
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	35		35
Total loans	234		189
Accruing Substandard | Home equity credit line | Consumer
Total loans
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	4		4
Revolving loans converted to term loans amortized cost basis	0		1
Total loans	4		5
Accruing Substandard | 1-4 family residential | Consumer
Total loans
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		1
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	0		1
Accruing Substandard | Construction and other consumer real estate | Consumer
Total loans
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	0		0
Accruing Substandard | Bankcard and other revolving plans | Consumer
Total loans
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	2		2
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	2		2
Accruing Substandard | Other | Consumer
Total loans
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	0		0
Nonaccrual | Commercial and industrial | Commercial
Total loans
2023	0		5
2022	4		36
2021	32		1
2020	1		2
2018	2		11
Prior	47		1
Revolving loans amortized cost basis	18		21
Revolving loans converted to term loans amortized cost basis	6		5
Total loans	110		82
Nonaccrual | Leasing | Commercial
Total loans
2023	0		0
2022	0		2
2021	2		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	2		2
Nonaccrual | Owner-occupied | Commercial
Total loans
2023	0		0
2022	0		1
2021	1		1
2020	1		7
2018	7		3
Prior	11		8
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	20		20
Nonaccrual | Municipal | Commercial
Total loans
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	0		0
Nonaccrual | Construction and land development | Commercial real estate
Total loans
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		21
Prior	0		0
Revolving loans amortized cost basis	1		1
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	1		22
Nonaccrual | Term | Commercial real estate
Total loans
2023	0		0
2022	4		26
2021	26		0
2020	0		0
2018	0		3
Prior	12		10
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	42		39
Nonaccrual | Home equity credit line | Consumer
Total loans
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	21		15
Revolving loans converted to term loans amortized cost basis	6		2
Total loans	27		17
Nonaccrual | 1-4 family residential | Consumer
Total loans
2023	0		0
2022	1		3
2021	4		3
2020	5		3
2018	2		4
Prior	32		27
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	44		40
Nonaccrual | Construction and other consumer real estate | Consumer
Total loans
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	0		0
Nonaccrual | Bankcard and other revolving plans | Consumer
Total loans
2023	0		0
2022	0		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	1		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	1		0
Nonaccrual | Other | Consumer
Total loans
2023	0		0
2022	1		0
2021	0		0
2020	0		0
2018	0		0
Prior	0		0
Revolving loans amortized cost basis	0		0
Revolving loans converted to term loans amortized cost basis	0		0
Total loans	$ 1		$ 0

Loans, Leases, and Allowance_12

Loans, Leases, and Allowance for Credit Losses (Summary of Selected Information on TDRs) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 123	$ 97
Percentage of total loans	0.20%	0.20%
Unfunded lending commitments on troubled debt restructuring	$ 3	$ 8
Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	4
Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	114	92
Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis	2	0
Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	7	1
Commercial
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 33	$ 46
Percentage of total loans	0.10%	0.20%
Commercial | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0	$ 4
Commercial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	29	42
Commercial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	4	0
Commercial | Commercial and industrial
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 30	$ 36
Percentage of total loans	0.20%	0.20%
Commercial | Commercial and industrial | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0	$ 0
Commercial | Commercial and industrial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	26	36
Commercial | Commercial and industrial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial | Commercial and industrial | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial | Commercial and industrial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	4	0
Commercial | Owner-occupied
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 3	$ 10
Percentage of total loans	0%	0.10%
Commercial | Owner-occupied | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0	$ 4
Commercial | Owner-occupied | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	3	6
Commercial | Owner-occupied | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial | Owner-occupied | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial | Owner-occupied | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial real estate
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 84	$ 49
Percentage of total loans	0.60%	0.40%
Commercial real estate | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0	$ 0
Commercial real estate | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	84	49
Commercial real estate | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial real estate | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial real estate | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial real estate | Term
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 83	$ 49
Percentage of total loans	0.80%	0.50%
Commercial real estate | Term | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0	$ 0
Commercial real estate | Term | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	83	49
Commercial real estate | Term | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial real estate | Term | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial real estate | Term | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial real estate | Construction and land development
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 1	$ 0
Percentage of total loans	0%	0%
Commercial real estate | Construction and land development | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0	$ 0
Commercial real estate | Construction and land development | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	1	0
Commercial real estate | Construction and land development | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial real estate | Construction and land development | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Commercial real estate | Construction and land development | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Consumer
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 6	$ 2
Percentage of total loans	0%	0%
Consumer | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0	$ 0
Consumer | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	1	1
Consumer | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis	2	0
Consumer | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Consumer | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	3	1
Consumer | 1-4 family residential
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 4	$ 1
Percentage of total loans	0%	0%
Consumer | 1-4 family residential | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0	$ 0
Consumer | 1-4 family residential | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Consumer | 1-4 family residential | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis	2	0
Consumer | 1-4 family residential | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Consumer | 1-4 family residential | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	2	1
Consumer | Bankcard and other revolving plans
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0	$ 1
Percentage of total loans	0%	0.20%
Consumer | Bankcard and other revolving plans | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0	$ 0
Consumer | Bankcard and other revolving plans | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	1
Consumer | Bankcard and other revolving plans | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Consumer | Bankcard and other revolving plans | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Consumer | Bankcard and other revolving plans | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Consumer | Home equity credit line
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 1	$ 0
Percentage of total loans	0%	0%
Consumer | Home equity credit line | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0	$ 0
Consumer | Home equity credit line | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Consumer | Home equity credit line | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Consumer | Home equity credit line | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Consumer | Home equity credit line | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	1	0
Consumer | Other
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 1	$ 0
Percentage of total loans	0.80%	0%
Consumer | Other | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0	$ 0
Consumer | Other | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Amortized cost basis	1	0
Consumer | Other | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Consumer | Other | Payment deferral
Financing Receivable, Modifications [Line Items]
Amortized cost basis	0	0
Consumer | Other | Multiple modification types
Financing Receivable, Modifications [Line Items]
Amortized cost basis	$ 0	$ 0

Loans, Leases, and Allowance_13

Loans, Leases, and Allowance for Credit Losses (Summary of Financial Impact of Loan Modifications) (Details)	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	1.30%	4%
Weighted-average term extension (in months)	15 months	10 months
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	0.10%	4.40%
Weighted-average term extension (in months)	17 months	9 months
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	0.10%	0%
Weighted-average term extension (in months)	13 months	10 months
Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	0%	4.40%
Weighted-average term extension (in months)	58 months	5 months
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	0%	0%
Weighted-average term extension (in months)	13 months	9 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%	0%
Weighted-average term extension (in months)	14 months	6 months
Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	0%	0%
Weighted-average term extension (in months)	13 months	9 months
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	4.70%	1.30%
Weighted-average term extension (in months)	64 months	84 months
Consumer | Home equity credit line
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	6.80%	0%
Weighted-average term extension (in months)	38 months	0 months
Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	1.30%	1.30%
Weighted-average term extension (in months)	76 months	110 months
Consumer | Bankcard and other revolving plans
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	0%	0%
Weighted-average term extension (in months)	0 months	65 months
Consumer | Other
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	0%	0%
Weighted-average term extension (in months)	71 months	0 months

Loans, Leases, and Allowance_14

Loans, Leases, and Allowance for Credit Losses (Summary Aging Analysis, Modified) (Details) - USD ($) $ in Millions	Mar. 31, 2024	Mar. 31, 2023
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	$ 338	$ 97
Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	307	80
30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	18	17
90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	13	0
Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	31	17
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	86	46
Commercial | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	80	30
Commercial | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	16
Commercial | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	6	0
Commercial | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	6	16
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	68	36
Commercial | Commercial and industrial | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	62	20
Commercial | Commercial and industrial | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	16
Commercial | Commercial and industrial | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	6	0
Commercial | Commercial and industrial | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	6	16
Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	10	10
Commercial | Owner-occupied | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	10	10
Commercial | Owner-occupied | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	0
Commercial | Owner-occupied | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	0
Commercial | Owner-occupied | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	0
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	245	49
Commercial real estate | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	222	49
Commercial real estate | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	18	0
Commercial real estate | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	5	0
Commercial real estate | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	23	0
Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	220	49
Commercial real estate | Term | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	199	49
Commercial real estate | Term | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	17	0
Commercial real estate | Term | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	4	0
Commercial real estate | Term | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	21	0
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	7	2
Consumer | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	5	1
Consumer | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	1
Consumer | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	2	0
Consumer | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	2	1
Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	4	1
Consumer | 1-4 family residential | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	2	0
Consumer | 1-4 family residential | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	1
Consumer | 1-4 family residential | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	2	0
Consumer | 1-4 family residential | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	2	1
Consumer | Bankcard and other revolving plans
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	1
Consumer | Bankcard and other revolving plans | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	1
Consumer | Bankcard and other revolving plans | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	0
Consumer | Bankcard and other revolving plans | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	0
Consumer | Bankcard and other revolving plans | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	$ 0	$ 0

Loans, Leases, and Allowance_15

Loans, Leases, and Allowance for Credit Losses (Collateral-Dependent Loans) (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 42	$ 57
Owner-occupied | Commercial | Hospital
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 7	$ 7
Weighted average LTV	51%	17%
Construction and land development | Commercial real estate | Lots / Homes
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 1	$ 22
Weighted average LTV	107%	92%
Term | Commercial real estate | Office Building
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 31	$ 28
Weighted average LTV	86%	87%
Home equity credit line | Consumer | Single Family Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost		$ 0
Weighted average LTV
Home equity credit line | Consumer | Residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost	$ 3
Weighted average LTV	21%

Derivative Instruments and He_3

Derivative Instruments and Hedging Activities (Narrative) (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	$ 22,342	$ 22,148
Deferred losses	173
Derivatives (included in other liabilities)	388	333
Cash collateral pledged for derivative liabilities	1
Additional collateral that would be required to be pledge if credit rating was downgraded by one notch	0
Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	5,920	6,521
Parent
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives (included in other liabilities)	388
Other liabilities
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives (included in other liabilities)	388	333
Other liabilities | Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives (included in other liabilities)	0	0
Fair Value Hedging | Interest rate swaps | Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	0	0
Fair Value Hedging | Asset hedges: Pay-fixed interest rate swaps | Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	4,570	4,571
Fair Value Hedging | Other liabilities | Interest rate swaps | Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives (included in other liabilities)	0	0
Fair Value Hedging | Other liabilities | Asset hedges: Pay-fixed interest rate swaps | Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives (included in other liabilities)	0	0
Cash Flow Hedging | Interest rate swaps | Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	850	1,450
Cash Flow Hedging | Asset hedges: Pay-fixed interest rate swaps | Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	1,000
Cash Flow Hedging | Pay-Fixed, receive-floating swap | Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	3,600
Cash Flow Hedging | Other liabilities | Interest rate swaps | Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives (included in other liabilities)	$ 0	$ 0

Derivative Instruments and He_4

Derivative Instruments and Hedging Activities (Notional and Recorded Fair Values) (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023	Jun. 30, 2023
Derivative [Line Items]
Notional amount	$ 22,342	$ 22,148
Other assets	481	420
Other liabilities	388	333
Net credit valuation adjustment reducing fair value	9	9
Other assets
Derivative [Line Items]
Other assets	481	420
Other liabilities
Derivative [Line Items]
Other liabilities	388	333
Derivatives designated as hedging instruments:
Derivative [Line Items]
Notional amount	5,920	6,521
Derivatives designated as hedging instruments: | Other assets
Derivative [Line Items]
Other assets	89	78
Derivatives designated as hedging instruments: | Other liabilities
Derivative [Line Items]
Other liabilities	0	0
Derivatives designated as hedging instruments: | Interest rate swaps | Cash Flow Hedging
Derivative [Line Items]
Notional amount	850	1,450
Derivatives designated as hedging instruments: | Interest rate swaps | Fair Value Hedging
Derivative [Line Items]
Notional amount	0	0
Derivatives designated as hedging instruments: | Interest rate swaps | Other assets | Cash Flow Hedging
Derivative [Line Items]
Other assets	0	0
Derivatives designated as hedging instruments: | Interest rate swaps | Other assets | Fair Value Hedging
Derivative [Line Items]
Other assets	0	0
Derivatives designated as hedging instruments: | Interest rate swaps | Other liabilities | Cash Flow Hedging
Derivative [Line Items]
Other liabilities	0	0
Derivatives designated as hedging instruments: | Interest rate swaps | Other liabilities | Fair Value Hedging
Derivative [Line Items]
Other liabilities	0	0
Derivatives designated as hedging instruments: | Pay-fixed interest rate swaps | Cash Flow Hedging
Derivative [Line Items]
Notional amount	500	500	$ 500
Derivatives designated as hedging instruments: | Pay-fixed interest rate swaps | Other assets | Cash Flow Hedging
Derivative [Line Items]
Other assets	0	0
Derivatives designated as hedging instruments: | Pay-fixed interest rate swaps | Other liabilities | Cash Flow Hedging
Derivative [Line Items]
Other liabilities	0	0
Derivatives designated as hedging instruments: | Asset hedges: Pay-fixed interest rate swaps | Cash Flow Hedging
Derivative [Line Items]
Notional amount	1,000
Derivatives designated as hedging instruments: | Asset hedges: Pay-fixed interest rate swaps | Fair Value Hedging
Derivative [Line Items]
Notional amount	4,570	4,571
Derivatives designated as hedging instruments: | Asset hedges: Pay-fixed interest rate swaps | Other assets | Fair Value Hedging
Derivative [Line Items]
Other assets	89	78
Derivatives designated as hedging instruments: | Asset hedges: Pay-fixed interest rate swaps | Other liabilities | Fair Value Hedging
Derivative [Line Items]
Other liabilities	0	0
Derivatives not designated as hedging instruments
Derivative [Line Items]
Notional amount	16,422	15,627
Derivatives not designated as hedging instruments | Other assets
Derivative [Line Items]
Other assets	392	342
Derivatives not designated as hedging instruments | Other liabilities
Derivative [Line Items]
Other liabilities	388	333
Derivatives not designated as hedging instruments | Customer-facing interest rate derivatives
Derivative [Line Items]
Notional amount	14,694	14,375
Derivatives not designated as hedging instruments | Customer-facing interest rate derivatives | Other assets
Derivative [Line Items]
Other assets	389	337
Derivatives not designated as hedging instruments | Customer-facing interest rate derivatives | Other liabilities
Derivative [Line Items]
Other liabilities	387	330
Derivatives not designated as hedging instruments | Other interest rate derivatives
Derivative [Line Items]
Notional amount	1,461	1,001
Derivatives not designated as hedging instruments | Other interest rate derivatives | Other assets
Derivative [Line Items]
Other assets	1	1
Derivatives not designated as hedging instruments | Other interest rate derivatives | Other liabilities
Derivative [Line Items]
Other liabilities	0	0
Derivatives not designated as hedging instruments | Foreign exchange derivatives
Derivative [Line Items]
Notional amount	267	216
Derivatives not designated as hedging instruments | Foreign exchange derivatives | Other assets
Derivative [Line Items]
Other assets	2	3
Derivatives not designated as hedging instruments | Foreign exchange derivatives | Other liabilities
Derivative [Line Items]
Other liabilities	1	3
Derivatives not designated as hedging instruments | Purchased credit derivatives
Derivative [Line Items]
Notional amount	0	35
Derivatives not designated as hedging instruments | Purchased credit derivatives | Other assets
Derivative [Line Items]
Other assets	0	1
Derivatives not designated as hedging instruments | Purchased credit derivatives | Other liabilities
Derivative [Line Items]
Other liabilities	$ 0	$ 0

Derivative Instruments and He_5

Derivative Instruments and Hedging Activities (Derivative Gain (Loss) Recognized/Reclassified) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Amount of gain/(loss) reclassified from AOCI into income	$ (26,000,000)	$ (37,000,000)
Loss to be reclassified within the next 12 months into interest income	102,000,000	156,000,000
Derivatives designated as hedging instruments:
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	(1,000,000)	38,000,000
Amount of gain/(loss) reclassified from AOCI into income	(34,000,000)	(49,000,000)
Interest on fair value hedges	21,000,000	10,000,000
Derivatives designated as hedging instruments: | Cash Flow Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Terminated or redesignated, unamortized basis adjustments, debt	45,000,000	0
Terminated or redesignated, unamortized basis adjustments, assets	3,000,000	10,000,000
Derivatives designated as hedging instruments: | Cash Flow Hedging | Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	(5,000,000)	38,000,000
Amount of gain/(loss) reclassified from AOCI into income	(36,000,000)	(49,000,000)
Interest on fair value hedges	0	0
Derivatives designated as hedging instruments: | Fair Value Hedging | Pay-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	4,000,000	0
Amount of gain/(loss) reclassified from AOCI into income	2,000,000	0
Interest on fair value hedges	0	0
Derivatives designated as hedging instruments: | Fair Value Hedging | Debt hedges: Receive-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	0	0
Amount of gain/(loss) reclassified from AOCI into income	0	0
Interest on fair value hedges	(2,000,000)	4,000,000
Derivatives designated as hedging instruments: | Fair Value Hedging | Asset hedges: Pay-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	0	0
Amount of gain/(loss) reclassified from AOCI into income	0	0
Interest on fair value hedges	$ 23,000,000	$ 6,000,000

Derivative Instruments and He_6

Derivative Instruments and Hedging Activities (Derivatives Not Designated as Hedges) (Details) - Derivatives not designated as hedging instruments - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	$ 14	$ 9
Customer-facing interest rate derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	6	1
Other interest rate derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	1	1
Foreign exchange derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	7	7
Purchased credit derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	$ 0	$ 0

Derivative Instruments and He_7

Derivative Instruments and Hedging Activities (Gain (Loss) Recorded in Income) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Total income statement impact	$ 1	$ (3)
Interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives	0	12
Hedged items	0	(12)
Total income statement impact	0	0
Asset hedges: Pay-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives	98	40
Hedged items	(98)	(40)
Total income statement impact	$ 0	$ 0

Derivative Instruments and He_8

Derivative Instruments and Hedging Activities (Basis Adjustments for Hedged Items) (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Total debt securities	$ 11,452	$ 11,759
Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets	50.5
Amount of hedging	3,500
Fair Value Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Par value of hedged assets	12,039	12,389
Carrying amount of hedged assets	11,761	12,209
Total debt securities	11,000
Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets	$ (278)	$ (180)

Leases (Narrative) (Details)

Leases (Narrative) (Details) $ in Millions	3 Months Ended
	Mar. 31, 2024 USD ($) branch	Mar. 31, 2023 USD ($)	Dec. 31, 2023 USD ($)
Leases [Abstract]
Number of branches | branch	408
Number of branches owned | branch	278
Number of branches leased | branch	130
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other assets		Other assets
Finance Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Premises, equipment and software, net		Premises, equipment and software, net
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities		Other liabilities
Finance Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Long-term debt		Long-term debt
Operating lease income | $	$ 3	$ 3
Sales-type or direct financing leases | $	388		$ 383
Sales-type or direct financing leases income | $	$ 4	$ 4

Leases (Assets and Liabilities)

Leases (Assets and Liabilities) (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Leases [Abstract]
ROU assets, net of amortization	$ 168	$ 172
Lease liabilities	193	198
ROU assets, net of amortization	3	3
Finance lease obligations	$ 4	$ 4
Weighted average remaining lease term, operating leases	8 years 7 months 6 days	8 years 8 months 12 days
Weighted average remaining lease term, finance leases	16 years 2 months 12 days	16 years 6 months
Weighted average discount rate, operating leases	3.40%	3.40%
Weighted average discount rate, finance leases	3.10%	3.10%

Leases (Components of Lease Exp

Leases (Components of Lease Expense) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Leases [Abstract]
Operating lease expense	$ 10	$ 11
Other expenses associated with operating leases	15	15
Total lease expense	25	26
Related cash disbursements from operating leases	$ 11	$ 12

Leases (Maturities Analysis) (D

Leases (Maturities Analysis) (Details) $ in Millions	Mar. 31, 2024 USD ($)
Leases [Abstract]
2023	$ 32
2024	38
2025	33
2026	22
2027	18
Thereafter	85
Total	$ 228

Long-Term Debt and Shareholde_3

Long-Term Debt and Shareholders' Equity (Long-term Debt) (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Debt And Equity [Abstract]
Subordinated notes	$ 540	$ 538
Finance lease obligations	4	4
Total	$ 544	$ 542

Long-Term Debt and Shareholde_4

Long-Term Debt and Shareholders' Equity (Narrative) (Details) - USD ($) $ / shares in Units, shares in Millions, $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Debt And Equity [Abstract]
Shares outstanding (in shares)	147.7
Common stock, par value (in dollars per share)	$ 0.001		$ 0.001
Common stock and additional paid-in capital change	$ (26)
Common stock and additional paid-in capital percentage change	2%
Common stock and additional paid-in capital	$ 1,700
Common stock repurchased (in shares)	0.9
Common stock repurchased	$ 35	$ 50
Common stock repurchased (in dollars per share)	$ 39.32
Transfer in accumulated unrecognized loss	$ 2,000
Unrealized loss, after tax	$ 1,500

Long-Term Debt and Shareholde_5

Long-Term Debt and Shareholders' Equity (Changes In Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	$ 5,691	$ 4,893
Other comprehensive income (loss) before reclassifications, net of tax	11	106
Amounts reclassified from AOCI, net of tax	72	86
Other comprehensive income, net of tax	83	192
Balance at end of period	5,829	5,184
Income tax expense included in OCI	27	63
Total
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	(2,692)	(3,112)
Balance at end of period	(2,609)	(2,920)
Net unrealized gains/(losses) on investment securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	(2,526)	(2,800)
Other comprehensive income (loss) before reclassifications, net of tax	12	77
Amounts reclassified from AOCI, net of tax	46	49
Other comprehensive income, net of tax	58	126
Balance at end of period	(2,468)	(2,674)
Income tax expense included in OCI	19	41
Net unrealized gains/(losses) on derivatives and other
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	(165)	(311)
Other comprehensive income (loss) before reclassifications, net of tax	(1)	29
Amounts reclassified from AOCI, net of tax	26	37
Other comprehensive income, net of tax	25	66
Balance at end of period	(140)	(245)
Income tax expense included in OCI	8	22
Pension and post-retirement
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	(1)	(1)
Other comprehensive income (loss) before reclassifications, net of tax	0	0
Amounts reclassified from AOCI, net of tax	0	0
Other comprehensive income, net of tax	0	0
Balance at end of period	(1)	(1)
Income tax expense included in OCI	$ 0	$ 0

Long-Term Debt and Shareholde_6

Long-Term Debt and Shareholders' Equity (Amounts Reclassified from AOCI) (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Accumulated Other Comprehensive Income (Loss) [Line Items]
Interest and fees on loans	$ 865	$ 726
Less: Income tax expense (benefit)	50	78
Net income	153	204
Net unrealized gains/(losses) on investment securities | Amounts reclassified from AOCI
Accumulated Other Comprehensive Income (Loss) [Line Items]
Interest and fees on loans	(61)	(65)
Less: Income tax expense (benefit)	(15)	(16)
Net income	(46)	(49)
Net unrealized gains/(losses) on derivatives and other | Amounts reclassified from AOCI
Accumulated Other Comprehensive Income (Loss) [Line Items]
Interest and fees on loans	(34)	(49)
Less: Income tax expense (benefit)	(8)	(12)
Net income	$ (26)	$ (37)

Commitments, Guarantees, and _3

Commitments, Guarantees, and Contingent Liabilities (Schedule of Off Balance Sheet Financial Instruments) (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Unfunded lending commitments	$ 28,677	$ 28,940
Commercial letters of credit	19	22
Mortgage-backed security purchase agreement	67	66
Total unfunded lending commitments	29,557	29,782
Financial
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Standby letters of credit	576	548
Performance
Liabilities for Guarantees on Long-Duration Contracts [Line Items]
Standby letters of credit	$ 218	$ 206

Commitments, Guarantees, and _4

Commitments, Guarantees, and Contingent Liabilities (Narrative) (Details) $ in Millions	Mar. 31, 2024 USD ($) case
Guarantor Obligations [Line Items]
Number of civil cases | case	2
Minimum
Guarantor Obligations [Line Items]
Estimate of possible losses	$ 0
Maximum
Guarantor Obligations [Line Items]
Estimate of possible losses	$ 10

Revenue Recognition (Details)

Revenue Recognition (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	$ 124	$ 124
Other noninterest income (non-ASC 606 customer-related)	27	27
Total customer-related noninterest income	151	151
Other noncustomer-related noninterest income	5	9
Total noninterest income	156	160
Net interest income	586	679
Total net revenue	742	839
Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	44	43
Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	35	36
Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	16	16
Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1
Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	14	13
Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	14	15
Other
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	7	8
Other noninterest income (non-ASC 606 customer-related)	9	5
Total customer-related noninterest income	16	13
Other noncustomer-related noninterest income	(1)	2
Total noninterest income	15	15
Net interest income	8	38
Total net revenue	23	53
Other | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0
Other | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	(1)	(1)
Other | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	(1)	(1)
Other | Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1
Other | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	0
Other | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	7	9
Zions Bank | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	38	40
Other noninterest income (non-ASC 606 customer-related)	4	7
Total customer-related noninterest income	42	47
Other noncustomer-related noninterest income	1	3
Total noninterest income	43	50
Net interest income	166	185
Total net revenue	209	235
Zions Bank | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	13	14
Zions Bank | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	12	13
Zions Bank | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	5	5
Zions Bank | Operating Segments | Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0
Zions Bank | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	6	6
Zions Bank | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	2
CB&T | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	18	17
Other noninterest income (non-ASC 606 customer-related)	6	5
Total customer-related noninterest income	24	22
Other noncustomer-related noninterest income	2	2
Total noninterest income	26	24
Net interest income	140	160
Total net revenue	166	184
CB&T | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	7	7
CB&T | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	5	5
CB&T | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	3	3
CB&T | Operating Segments | Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0
CB&T | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1
CB&T | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	1
Amegy | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	32	31
Other noninterest income (non-ASC 606 customer-related)	7	8
Total customer-related noninterest income	39	39
Other noncustomer-related noninterest income	3	2
Total noninterest income	42	41
Net interest income	113	124
Total net revenue	155	165
Amegy | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	15	14
Amegy | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	8	8
Amegy | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	3	3
Amegy | Operating Segments | Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0
Amegy | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	4	4
Amegy | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	2
NBAZ | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	10	9
Other noninterest income (non-ASC 606 customer-related)	0	1
Total customer-related noninterest income	10	10
Other noncustomer-related noninterest income	0	0
Total noninterest income	10	10
Net interest income	60	64
Total net revenue	70	74
NBAZ | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	3	2
NBAZ | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	4	4
NBAZ | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	2
NBAZ | Operating Segments | Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0
NBAZ | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1
NBAZ | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0
NSB | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	11	11
Other noninterest income (non-ASC 606 customer-related)	1	0
Total customer-related noninterest income	12	11
Other noncustomer-related noninterest income	0	0
Total noninterest income	12	11
Net interest income	47	51
Total net revenue	59	62
NSB | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	3	3
NSB | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	4	4
NSB | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	3	3
NSB | Operating Segments | Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0
NSB | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1
NSB | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0
Vectra | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	6	6
Other noninterest income (non-ASC 606 customer-related)	0	1
Total customer-related noninterest income	6	7
Other noncustomer-related noninterest income	0	0
Total noninterest income	6	7
Net interest income	37	41
Total net revenue	43	48
Vectra | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	2
Vectra | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	2
Vectra | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1
Vectra | Operating Segments | Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0
Vectra | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0
Vectra | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1
TCBW | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	2	2
Other noninterest income (non-ASC 606 customer-related)	0	0
Total customer-related noninterest income	2	2
Other noncustomer-related noninterest income	0	0
Total noninterest income	2	2
Net interest income	15	16
Total net revenue	17	18
TCBW | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	1
TCBW | Operating Segments | Card fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	1	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
TCBW | Operating Segments | Capital markets fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0
TCBW | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	0	0
TCBW | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers (ASC 606)	$ 0	$ 0

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Billions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Income Tax Disclosure [Abstract]
Effective income tax rate	24.60%	27.70%
Deferred tax assets	$ 1		$ 1

Net Earnings Per Common Share -

Net Earnings Per Common Share - Basic and Diluted Net Earnings Per Common Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Basic:
Net income	$ 153	$ 204
Less common and preferred dividends	71	67
Undistributed earnings	82	137
Less undistributed earnings applicable to nonvested shares	1	1
Undistributed earnings applicable to common shares	81	136
Distributed earnings applicable to common shares	60	61
Total earnings applicable to common shares	$ 141	$ 197
Weighted average common shares outstanding (in shares)	147,338	148,015
Net earnings per common share (in dollars per share)	$ 0.96	$ 1.33
Diluted:
Dilutive effect of stock options (in shares)	5	23
Weighted average diluted common shares outstanding (in shares)	147,343	148,038
Net earnings per common share (in dollars per share)	$ 0.96	$ 1.33

Net Earnings Per Common Share_2

Net Earnings Per Common Share - Stock Awards that were Anti-Dilutive (Details) - shares shares in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
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)	1,543	1,334
Stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share (in shares)	1,379	1,230

Operating Segment Information_2

Operating Segment Information (Details) $ in Millions	3 Months Ended
	Mar. 31, 2024 USD ($) branch segment	Mar. 31, 2023 USD ($)
Segment Reporting Information [Line Items]
Number of bank operating segments | segment	7
Number of branches | branch	408
Net interest income	$ 586	$ 679
Provision for credit losses	13	45
Net interest income after provision for credit losses	573	634
Total noninterest income	156	160
Total noninterest expense	526	512
Income before income taxes	203	282
Total average loans	57,907	56,153
Total average deposits	73,358	70,156
Other
Segment Reporting Information [Line Items]
Net interest income	8	38
Provision for credit losses	0	2
Net interest income after provision for credit losses	8	36
Total noninterest income	15	15
Total noninterest expense	35	60
Income before income taxes	(12)	(9)
Total average loans	977	1,144
Total average deposits	4,714	2,031
Zions Bank | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	166	185
Provision for credit losses	(11)	24
Net interest income after provision for credit losses	177	161
Total noninterest income	43	50
Total noninterest expense	144	135
Income before income taxes	76	76
Total average loans	14,726	13,978
Total average deposits	20,735	20,953
CB&T | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	140	160
Provision for credit losses	22	0
Net interest income after provision for credit losses	118	160
Total noninterest income	26	24
Total noninterest expense	101	92
Income before income taxes	43	92
Total average loans	14,165	14,016
Total average deposits	14,406	14,644
Amegy | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	113	124
Provision for credit losses	4	11
Net interest income after provision for credit losses	109	113
Total noninterest income	42	41
Total noninterest expense	113	98
Income before income taxes	38	56
Total average loans	13,115	12,844
Total average deposits	14,871	13,287
NBAZ | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	60	64
Provision for credit losses	5	(1)
Net interest income after provision for credit losses	55	65
Total noninterest income	10	10
Total noninterest expense	48	47
Income before income taxes	17	28
Total average loans	5,651	5,150
Total average deposits	6,859	7,179
NSB | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	47	51
Provision for credit losses	(5)	4
Net interest income after provision for credit losses	52	47
Total noninterest income	12	11
Total noninterest expense	43	41
Income before income taxes	21	17
Total average loans	3,506	3,327
Total average deposits	7,200	6,972
Vectra | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	37	41
Provision for credit losses	(6)	3
Net interest income after provision for credit losses	43	38
Total noninterest income	6	7
Total noninterest expense	34	33
Income before income taxes	15	12
Total average loans	4,039	3,983
Total average deposits	3,450	3,707
TCBW | Operating Segments
Segment Reporting Information [Line Items]
Net interest income	15	16
Provision for credit losses	4	2
Net interest income after provision for credit losses	11	14
Total noninterest income	2	2
Total noninterest expense	8	6
Income before income taxes	5	10
Total average loans	1,728	1,711
Total average deposits	$ 1,123	$ 1,383
Utah | Zions Bank
Segment Reporting Information [Line Items]
Number of branches | branch	95
Idaho | Zions Bank
Segment Reporting Information [Line Items]
Number of branches | branch	25
Wyoming | Zions Bank
Segment Reporting Information [Line Items]
Number of branches | branch	1
Texas | Amegy
Segment Reporting Information [Line Items]
Number of branches | branch	75
California | CB&T
Segment Reporting Information [Line Items]
Number of branches | branch	75
Arizona | NBAZ
Segment Reporting Information [Line Items]
Number of branches | branch	56
Nevada | NSB
Segment Reporting Information [Line Items]
Number of branches | branch	43
Colorado | Vectra
Segment Reporting Information [Line Items]
Number of branches | branch	34
New Mexico | Vectra
Segment Reporting Information [Line Items]
Number of branches | branch	1
Washington | TCBW
Segment Reporting Information [Line Items]
Number of branches | branch	2
Oregon | TCBW
Segment Reporting Information [Line Items]
Number of branches | branch	1