Zions Bancorporation, National Association (ZION) 10-K 25 Feb 25 2024 FY Annual report Financial data

Cover

Cover - USD ($)	12 Months Ended
	Dec. 31, 2024	Feb. 03, 2025	Jun. 30, 2024
Document Information [Line Items]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2024
Current Fiscal Year End Date	--12-31
Document Transition Report	false
Entity File Number	001-12307
Entity Registrant Name	ZIONS BANCORPORATION, NATIONAL ASSOCIATION
Entity Incorporation, State or Country Code	X1
Entity Tax Identification Number	87-0189025
Entity Address, Address Line One	One South Main
Entity Address, City or Town	Salt Lake City,
Entity Address, State or Province	UT
Entity Address, Postal Zip Code	84133-1109
City Area Code	801
Local Phone Number	844-8208
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 6,277,918,765
Entity Common Stock, Shares Outstanding		147,891,781
Documents Incorporated by Reference	Part III: Items 10-14 — Proxy Statement for the 2025 Annual Meeting of Shareholders to be held May 2, 2025.
Amendment Flag	false
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	FY
Entity Central Index Key	0000109380
Document Financial Statement Error Correction [Flag]	false
Common Stock, par value $0.001
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

Audit Information

Audit Information	12 Months Ended
	Dec. 31, 2024
Audit Information [Abstract]
Auditor Name	Ernst & Young LLP
Auditor Location	Salt Lake City, Utah
Auditor Firm ID	42

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 651	$ 716
Money market investments:
Interest-bearing deposits	2,850	1,488
Federal funds sold and securities purchased under agreements to resell	1,453	937
Trading securities, at fair value	35	48
Investment securities:
Available-for-sale, at fair value	9,095	10,300
Held-to-maturity, at amortized cost (fair value $9,382 and $10,466)	9,669	10,382
Total investment securities	18,764	20,682
Loans held for sale (includes $25 and $43 of loans carried at fair value)	74	53
Loans held for investment, net of allowance
Loans and leases, net of unearned income and fees	59,410	57,779
Less allowance for loan and lease losses	696	684
Loans held for investment, net of allowance	58,714	57,095
Other noninterest-bearing investments	1,020	950
Premises, equipment, and software, net	1,366	1,400
Goodwill and intangibles	1,052	1,059
Other real estate owned	1	6
Other assets	2,795	2,769
Total assets	88,775	87,203
Deposits [Abstract]
Noninterest-bearing demand	24,704	26,244
Interest-bearing:
Savings and money market	40,037	38,721
Time	11,482	9,996
Total deposits	76,223	74,961
Federal funds and other short-term borrowings	3,832	4,379
Long-term debt	950	542
Reserve for unfunded lending commitments	45	45
Other liabilities	1,601	1,585
Total liabilities	82,651	81,512
Shareholders’ equity:
Preferred stock, without par value; authorized 4,400 shares	66	440
Common stock ($0.001 par value; authorized 350,000 shares; issued and outstanding 147,871 and 148,153 shares) and additional paid-in capital	1,737	1,731
Retained earnings	6,701	6,212
Accumulated other comprehensive income (loss)	(2,380)	(2,692)
Total shareholders’ equity	6,124	5,691
Total liabilities and shareholders’ equity	$ 88,775	$ 87,203

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) shares in Thousands, $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Investment securities:
Held-to-maturity investment securities	$ 9,382	$ 10,466
Loans held for sale	$ 25	$ 43
Shareholders’ equity:
Preferred stock, authorized shares (in shares)	4,400	4,400
Common stock, par value (in dollars per share)	$ 0.001	$ 0.001
Common stock, authorized shares (in shares)	350,000	350,000
Common stock, issued shares (in shares)	147,871	148,153
Common stock, outstanding shares (in shares)	147,871	148,153

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) shares in Thousands, $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Interest income:
Interest and fees on loans	$ 3,514	$ 3,196	$ 2,112
Interest on money market investments	230	188	81
Interest on securities	549	563	512
Total interest income	4,293	3,947	2,705
Interest expense:
Interest on deposits	1,540	1,063	70
Interest on short- and long-term borrowings	323	446	115
Total interest expense	1,863	1,509	185
Net interest income	2,430	2,438	2,520
Provision for loan and lease losses	72	148	101
Provision for unfunded lending commitments	0	(16)	21
Total provision for credit losses	72	132	122
Net interest income after provision for credit losses	2,358	2,306	2,398
Noninterest income:
Commercial account fees	182	174	159
Card fees	96	101	104
Retail and business banking fees	67	66	73
Loan-related fees and income	70	79	80
Capital markets fees	110	81	83
Wealth management fees	58	58	55
Other customer-related fees	56	61	60
Customer-related noninterest income	639	620	614
Fair value and nonhedge derivative income (loss)	0	(4)	16
Dividends and other income	42	57	17
Securities gains (losses), net	19	4	(15)
Total noninterest income	700	677	632
Noninterest expense:
Salaries and employee benefits	1,287	1,275	1,235
Technology, telecom, and information processing	260	240	209
Occupancy and equipment, net	161	160	152
Professional and legal services	64	62	57
Marketing and business development	45	46	39
Deposit insurance and regulatory expense	91	169	50
Credit-related expense	25	26	30
Other real estate expense, net	(1)	0	1
Other	114	119	105
Total noninterest expense	2,046	2,097	1,878
Income before income taxes	1,012	886	1,152
Income taxes	228	206	245
Net income	784	680	907
Preferred stock dividends	(41)	(32)	(29)
Preferred stock redemption	(6)	0	0
Net earnings applicable to common shareholders	$ 737	$ 648	$ 878
Weighted average common shares outstanding during the year:
Basic shares (in shares)	147,210	147,748	150,064
Diluted shares (in shares)	147,215	147,756	150,271
Net earnings per common share:
Basic (in dollars per share)	$ 4.95	$ 4.35	$ 5.80
Diluted (in dollars per share)	$ 4.95	$ 4.35	$ 5.79

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Statement of Comprehensive Income [Abstract]
Net income	$ 784	$ 680	$ 907
Other comprehensive income (loss), net of tax:
Net unrealized holding gains (losses) on investment securities	31	66	(2,762)
Unrealized loss amortization associated with the securities transferred from AFS to HTM	194	208	40
Net unrealized gains (losses) on other noninterest-bearing investments	1	1	(2)
Net unrealized holding gains (losses) on derivative instruments	(3)	21	(330)
Reclassification adjustment for decrease in interest income recognized in earnings on derivative instruments	89	124	21
Pension and post-retirement	0	0	1
Other comprehensive income (loss), net of tax	312	420	(3,032)
Comprehensive income (loss)	$ 1,096	$ 1,100	$ (2,125)

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY - USD ($) $ in Millions	Total	Cumulative Effect, Period of Adoption, Adjustment	Preferred stock	Common stock shares (in thousands)	Common stock and accumulated paid-in capital	Retained earnings	Retained earnings Cumulative Effect, Period of Adoption, Adjustment	Accumulated other comprehensive income (loss)
Beginning balance at Dec. 31, 2021	$ 7,463		$ 440		$ 1,928	$ 5,175		$ (80)
Beginning balance (in shares) at Dec. 31, 2021				151,625,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 907					907
Cumulative effect adjustment, adoption of ASU 2022-02, Financial Instruments - Credit Losses: Troubled Debt Restructurings	Accounting Standards Update 2022-02 [Member]
Other comprehensive (loss) income, net of tax	$ (3,032)							(3,032)
Bank common stock repurchased (in shares)				(3,581,000)
Bank common stock repurchased	(202)				(202)
Net activity under employee plans and related tax benefits (in shares)				620,000
Net activity under employee plans and related tax benefits	28				28
Dividends on preferred stock	(29)					(29)
Dividends on common stock	(240)					(240)
Change in deferred compensation	(2)					(2)
Ending balance at Dec. 31, 2022	4,893	$ 2	440		1,754	5,811	$ 2	(3,112)
Ending balance (in shares) at Dec. 31, 2022				148,664,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	680					680
Other comprehensive (loss) income, net of tax	$ 420							420
Bank common stock repurchased (in shares)	(900,000)			(972,000)
Bank common stock repurchased	$ (51)				(51)
Net activity under employee plans and related tax benefits (in shares)				461,000
Net activity under employee plans and related tax benefits	28				28
Dividends on preferred stock	(32)					(32)
Dividends on common stock	(245)					(245)
Change in deferred compensation	(4)					(4)
Ending balance at Dec. 31, 2023	$ 5,691		440		1,731	6,212		(2,692)
Ending balance (in shares) at Dec. 31, 2023	148,153,000			148,153,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 784					784
Other comprehensive (loss) income, net of tax	312							312
Bank common stock repurchased (in shares)				(900,000)
Bank common stock repurchased	(36)				(36)
Preferred stock redemption	(374)		(374)		6	(6)
Net activity under employee plans and related tax benefits (in shares)				618,000
Net activity under employee plans and related tax benefits	36				36
Dividends on preferred stock	(41)					(41)
Dividends on common stock	(248)					(248)
Ending balance at Dec. 31, 2024	$ 6,124		$ 66		$ 1,737	$ 6,701		$ (2,380)
Ending balance (in shares) at Dec. 31, 2024	147,871,000			147,871,000

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Statement of Stockholders' Equity [Abstract]
Dividends on common stock (in dollars per share)	$ 1.66	$ 1.64	$ 1.58
Cumulative effect adjustment, adoption of ASU 2022-02, Financial Instruments - Credit Losses: Troubled Debt Restructurings			Accounting Standards Update 2022-02 [Member]

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 784	$ 680	$ 907
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	72	132	122
Depreciation and amortization	124	140	110
Share-based compensation	33	33	30
Deferred income tax benefit	(7)	(9)	(43)
Net decrease (increase) in trading securities	13	22	(93)
Net decrease (increase) in loans held for sale	67	(40)	48
Change in other liabilities	3	(299)	892
Change in other assets	94	169	(457)
Other, net	(35)	57	(46)
Net cash provided by operating activities	1,148	885	1,470
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease (increase) in money market investments	(1,878)	1,736	8,650
Proceeds from maturities and paydowns of investment securities held-to-maturity	1,024	1,052	445
Purchases of investment securities held-to-maturity	(62)	(41)	(399)
Proceeds from sales, maturities, and paydowns of investment securities available-for-sale	2,028	2,337	3,309
Purchases of investment securities available-for-sale	(907)	(666)	(5,829)
Net change in loans and leases	(1,714)	(2,103)	(4,628)
Purchases and sales of other noninterest-bearing investments	(46)	183	(298)
Purchases of premises and equipment	(97)	(113)	(190)
Acquisition of Nevada branches, net of cash acquired	0	0	318
Other, net	12	(15)	27
Net cash provided by (used in) investing activities	(1,640)	2,370	1,405
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in deposits	1,262	3,309	(11,567)
Net change in short-term funds borrowed	(547)	(6,038)	9,514
Cash paid for preferred stock redemption	(374)	0	0
Proceeds from the issuance of long-term debt	496	0	0
Redemption of long-term debt	(88)	(128)	(290)
Proceeds from the issuance of common stock	10	3	9
Dividends paid on common and preferred stock	(289)	(282)	(269)
Bank common stock repurchased	(36)	(51)	(202)
Other, net	(7)	(9)	(8)
Net cash provided by (used in) financing activities	427	(3,196)	(2,813)
Net increase (decrease) in cash and due from banks	(65)	59	62
Cash and due from banks at beginning of year	716	657	595
Cash and due from banks at end of year	651	716	657
Cash paid for interest	1,905	1,368	160
Net cash paid for income taxes	192	255	21
Noncash activities:
Loans held for investment reclassified to loans held for sale, net	223	68	114
Trading securities reclassified to money market investments	0	395	0
Investment securities available-for-sale transferred to held-to-maturity, at amortized cost (fair value $10,691)	0	0	13,097
Deposits acquired in purchase of Nevada branches	0	0	430
Loans acquired in purchase of Nevada branches, net	$ 0	$ 0	$ 95

CONSOLIDATED STATEMENTS OF CA_2

CONSOLIDATED STATEMENTS OF CASH FLOWS (Parenthetical) $ in Millions	12 Months Ended
	Dec. 31, 2022 USD ($)
Statement of Cash Flows [Abstract]
Transfer from available for sale to held-to-maturity, fair value	$ 10,691

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Business Zions Bancorporation, National Association (“Zions Bancorporation, N.A.,” “the Bank,” “we,” “our,” “us”) is a bank headquartered in Salt Lake City, Utah. We provide a wide range of banking products and related services in 11 Western and Southwestern states through seven separately managed affiliates: Zions Bank in Utah, Idaho, and Wyoming; California Bank & Trust (“CB&T”); Amegy Bank (“Amegy”) in Texas; National Bank of Arizona (“NBAZ”); Nevada State Bank (“NSB”); Vectra Bank Colorado (“Vectra”) in Colorado and New Mexico; and The Commerce Bank of Washington (“TCBW”) which operates under that name in Washington and under The Commerce Bank of Oregon in Oregon. Basis of Financial Statement Presentation and Principles of Consolidation The consolidated financial statements include our accounts and those of our majority-owned, consolidated subsidiaries. This also includes our wholly-owned subsidiaries, such as ZMFU II, Inc., which is utilized for our municipal lending business, and Zions Direct, Inc., a registered broker-dealer under the Exchange Act, among other subsidiaries. Investments in which we have the ability to exercise significant influence over the operating and financial policies of the investee are accounted for using the equity method. All intercompany accounts and transactions have been eliminated in consolidation. Assets held in an agency or fiduciary capacity are excluded from the consolidated financial statements. The consolidated financial statements have been prepared in accordance with United States (“U.S.”) generally accepted accounting principles (“GAAP”) and prevailing practices within the financial services industry. References to GAAP, including standards issued by the Financial Accounting Standards Board (“FASB”), are made according to sections of the Accounting Standards Codification (“ASC”). In preparing the consolidated financial statements, we make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results may differ from these estimates. Subsequent Events We evaluated events that occurred between December 31, 2024, and the date the accompanying financial statements were issued. We determined that there were no material events requiring adjustments to our consolidated financial statements or significant disclosure in the accompanying notes. Variable Interest Entities A variable interest entity (“VIE”) is consolidated when we are identified as the primary beneficiary of the VIE. Current accounting guidance requires continuous analysis to determine the primary beneficiary of a VIE. At the start of our involvement, and periodically thereafter, we reassess our consolidation conclusions for all entities with which we are involved. At December 31, 2024, and 2023, we had no VIEs consolidated in our financial statements. Statement of Cash Flows For purposes of presentation on the consolidated statements of cash flows, “cash and cash equivalents” are defined as those amounts included in “Cash and due from banks” on the consolidated balance sheets. Securities Purchased Under Agreements to Resell Securities purchased under agreements to resell consist of overnight and term agreements, with the majority maturing within 50 days. These agreements are generally classified as collateralized financing transactions and are carried at the acquisition cost plus accrued interest. We, or third parties on our behalf, take possession of the underlying securities. The fair value of such securities is continuously monitored throughout the contract term to ensure asset values remain sufficient to mitigate counterparty default risk. Contractual provisions allow us to sell or repledge certain securities accepted as collateral for securities purchased under agreements to resell. At December 31, 2024, and 2023, we held $1.4 billion and $0.9 billion, respectively, of securities for which we were permitted by contract to sell or repledge. The average balance of securities purchased under agreements to resell was $2.2 billion and $1.3 billion in 2024 and 2023, and the maximum amount outstanding at any month-end during these same periods was $3.0 billion and $2.0 billion, respectively. If sold, our obligation to return the collateral is recorded as “securities sold, not yet purchased” and included as a liability in “Federal funds and other short-term borrowings” on the consolidated balance sheet. Other Noninterest-bearing Investments Other noninterest-bearing investments include private equity investments (“PEIs”), venture capital securities, securities acquired for various debt and regulatory requirements, bank-owned life insurance (“BOLI”), and certain other noninterest-bearing investments. See Note 3 for further information. Certain PEIs and venture capital securities are accounted for under the equity method of accounting when we can exercise significant influence over the investee's operating and financial policies. Equity investments in PEIs that do not grant significant influence are reported at fair value, unless a readily determinable fair value in unavailable. In such cases, we have elected to measure PEIs at cost, less impairment (if any), plus or minus observable price changes from identical or similar investments of the same issuer, referred to as the “measurement alternative.” Periodic impairment reviews are conducted by comparing carrying values with fair value estimates. Changes in fair value, impairment losses, and gains and losses from sales are included in “Securities gains (losses), net” on the consolidated statement of income. BOLI is accounted for at fair value based on the cash surrender values (“CSVs”) of the general account insurance policies. Business Combinations Business combinations are accounted for under the acquisition method of accounting. Upon initially obtaining control, we recognize 100% of all acquired assets and assumed liabilities, regardless of the ownership percentage. These assets and liabilities are recorded at their estimated fair values, with goodwill recognized when such net fair values are less than the acquisition cost. Certain transaction and restructuring costs are expensed as incurred. Changes to estimated fair values from a business combination are recognized as adjustments to goodwill during the measurement period, which cannot exceed one year from the acquisition date. The results of operations of acquired businesses are included on our consolidated statement of income from the date of acquisition. Other Real Estate Owned Other real estate owned (“OREO”) consists primarily of commercial and residential real estate acquired in partial or full satisfaction of loan obligations. These properties are initially recorded at fair value, less estimated selling costs, based on recent property appraisals at the time of transfer. Subsequently, they are recorded at the lower of cost or fair value, less estimated selling costs. Significant Accounting Policies The following schedule references other significant accounting policies and the Note and page where a description of each policy can be found: Fair value Note 3 page 98 Goodwill and other intangible assets Note 10 page 133 Offsetting assets and liabilities Note 4 page 104 Long-term debt Note 13 page 135 Investment securities Note 5 page 104 Commitments, guarantees, contingent liabilities, and related parties Note 16 page 140 Loans and allowance for credit losses Note 6 page 109 Revenue from contracts with customers Note 17 page 142 Derivative instruments and hedging activities Note 7 page 125 Share-based compensation Note 19 page 145 Leases Note 8 page 131 Income taxes Note 20 page 148 Premises, equipment, and software Note 9 page 132 Net earnings per common share Note 21 page 150

RECENT ACCOUNTING PRONOUNCEMENT

RECENT ACCOUNTING PRONOUNCEMENTS	12 Months Ended
	Dec. 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 December 31, 2024 ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures This accounting standards update (“ASU”) requires additional detailed information to improve the usefulness of income tax disclosures. This includes providing detailed annual disclosures on rate reconciliation and income taxes paid for specific categories and when certain quantitative thresholds are met. January 1, 2025 The overall effect of this standard is not expected to have a material impact on our financial statements. ASU 2024-03, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40) This ASU requires additional disclosures of certain costs and expenses in both interim and annual reporting periods, including: • Amounts of employee compensation, depreciation, and intangible asset amortization included in certain expense lines presented on the face of the income statement within continuing operations. • A qualitative description of the amounts remaining in relevant expense captions that are not separately disaggregated quantitatively. • The Bank's definition and amount of selling costs. Annual periods beginning January 1, 2027; Interim periods beginning January 1, 2028 We are evaluating the new disclosure requirements. The overall effect of this standard is not expected to have a material impact on our financial statements. Standards adopted by the Bank in 2024 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 application of the proportional amortization method (“PAM”), which was previously limited to investments in low-income housing tax credit (“LIHTC”) structures. It now includes any eligible equity investments primarily made to receive income tax credits and other tax benefits, provided certain criteria are met. Under PAM, the investment cost is amortized in proportion to the income tax credits and other income tax benefits received. The amortization of the investment and the income tax credits are presented net on the consolidated statement of income as a component of income tax expense (benefit). This ASU allows for an accounting policy election to apply PAM on a tax-credit-program-by-tax-credit-program basis. The ASU also includes additional disclosure requirements for 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. Standards adopted by the Bank in 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 included in the unit of account of the equity security, and therefore, are not considered when measuring fair value. The amendments specify that the Bank cannot recognize and measure a contractual sale restriction as a separate unit of account. Additionally, the ASU requires further 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 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures This ASU expands operating segment disclosures and requires all segment disclosures to be reported in both annual and interim periods. The new standard requires disclosure of the following: • Significant segment expenses that are regularly provided to the chief operating decision maker (“CODM”) for reportable segments; • The title and position of the CODM as well as how the CODM uses the reported measure(s) of profit and loss to assess segment performance; and • “Other segment items” by reportable segment and a description of its composition. Annual periods beginning January 1, 2024; Interim periods beginning January 1, 2025 We adopted the new standard on January 1, 2024. The adoption of this standard did not have a material effect on our financial statements. See Note 22 of the Notes to Consolidated Financial Statements.

FAIR VALUE

FAIR VALUE	12 Months Ended
	Dec. 31, 2024
Fair Value Disclosures [Abstract]
FAIR VALUE	FAIR VALUE Fair Value Measurement We measure many of our assets and liabilities at fair value. Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. To enhance consistency and comparability in fair value measurements, we prioritize valuation inputs following a three-level hierarchy, as described below. We prioritize quoted prices in active markets and minimize reliance on unobservable inputs. When observable market prices are unavailable, fair value is estimated using modeling techniques, employing assumptions that align with those that market participants would consider in pricing the asset or liability. Changes in market conditions may reduce the availability of quoted prices or observable data. The following fair value hierarchy prioritizes the use of observable inputs over unobservable inputs when measuring the fair value of assets and liabilities: • Level 1 — Quoted prices in active markets for identical assets or liabilities that we have the ability to access; • Level 2 — Observable inputs other than Level 1, including quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in less active markets, observable inputs other than quoted prices used in the valuation of an asset or liability, and inputs derived principally from or corroborated by observable market data through correlation or other means; and • Level 3 — Unobservable inputs supported by minimal or no market activity for financial instruments whose value is determined by pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. The classification of a fair value measurement within the fair value hierarchy is based on the lowest level input that is significant to the measurement. Market activity is presumed to be orderly in the absence of evidence of forced or disorderly sales. Applicable accounting guidance precludes the use of blockage factors or liquidity adjustments due to the quantity of securities held by the Bank. We measure certain assets and liabilities at fair value on a recurring basis when fair value is the primary measure for accounting. Fair value is also used on a nonrecurring basis for certain assets or liabilities to determine any impairment, apply lower of cost or fair value accounting, or for disclosure purposes of certain financial instruments. Fair Value Policies and Procedures We have established various policies, processes, and controls to ensure that fair values are reasonably estimated, reviewed, and approved for use. Our Securities Valuation Committee, comprised of executive management, reviews and approves the key components of fair value measurements on a quarterly basis, including critical valuation assumptions for Level 3 measurements. Our Model Risk Management Group conducts model validations, including internal models, and sets policies and procedures for revalidation, including the timing of revalidation. Third-party Service Providers We utilize a third-party pricing service to measure fair value of substantially all of our Level 2 available-for-sale (“AFS”) securities. Fair value measurements for other Level 2 AFS securities generally rely on inputs corroborated by market data and include discounted cash flow analyses. For Level 2 securities, the third-party pricing service provides ongoing documentation that includes market data, detailed pricing information and market reference data. This documentation includes benchmark yields, reported trades, broker-dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, and reference data from the vendor trading platform. We regularly review, test, and validate this information. The following describes the hierarchy designations, valuation methodologies, and key inputs used to measure fair value on a recurring basis for designated financial instruments: Trading securities Trading securities are measured using observable market inputs and are classified in Level 1 and Level 2. Available-for-Sale investment securities • U.S. Treasury, Agencies and Corporations — U.S. Treasury securities measured using quoted market prices are classified in Level 1. U.S. agency and corporate securities measured using observable market inputs are classified in Level 2. • Municipal Securities — Municipal securities are measured using observable market inputs and are classified in Level 2. • Other Debt Securities — Other debt securities are measured using quoted prices for similar securities and are classified in Level 2. Loans held for sale We have elected the fair value option for certain commercial real estate (“CRE”) loans designated for sale to a third-party conduit for securitization. These loans are measured at fair value using observable market prices for mortgage-backed securities with similar collateral, and are therefore generally classified in Level 2. The valuation of these loans incorporates adjustments for differences between the securities and the underlying loans, considering factors such as credit quality, portfolio composition, and liquidity. Bank-owned Life Insurance BOLI is measured according to the CSV of the insurance policies. Nearly all policies are general account policies with CSVs based on our claims on the assets of the insurance companies. The insurance companies’ investments predominantly include fixed-income securities, such as investment-grade corporate bonds and various types of mortgage instruments. Management regularly reviews the performance of its BOLI investments, including concentrations among insurance providers, and classifies BOLI balances in Level 2 in the fair value hierarchy. Private Equity Investments PEIs measured at fair value on a recurring basis are generally classified in Level 3 due to the inclusion of unobservable inputs in their valuation. Key assumptions and considerations include current and projected financial performance, recent financing activities, economic and market conditions, market comparable companies, market liquidity, and other relevant factors. The majority of these PEIs are held in our Small Business Investment Company (“SBIC”) and consist of early-stage venture investments. These investments are reviewed at least quarterly by the Securities Valuation Committee and whenever a new round of financing occurs. Some of these investments may be valued using multiples of operating performance. Occasionally, PEIs may become publicly traded and are then measured in Level 1. Certain restrictions may apply to the redemption of these investments. Agriculture Loan Servicing We service agriculture loans approved and funded by the Federal Agricultural Mortgage Corporation (“FAMC”) under an agreement for the loans it owns. The servicing assets are measured at fair value, representing our projection of the present value of net future servicing cash flows. Due to the inclusion of unobservable inputs in these measurements, these assets are classified in Level 3. Deferred Compensation Plan Assets Invested assets in the deferred compensation plan consist of shares of registered investment companies. These mutual funds are valued using quoted market prices, representing the net asset value (“NAV”) of shares held by the plan at the end of the period. Consequently, these assets are classified in Level 1. Derivatives Exchange-traded derivatives, such as foreign currency exchange contracts, are generally classified in Level 1 due to their trading in active markets. Conversely, over-the-counter derivatives, which primarily include interest rate swaps, forwards, options, and purchased credit default swaps, are generally classified in Level 2. This classification arises because their fair values are derived from third-party services that utilize observable market inputs. These inputs include yield curves, foreign exchange rates, commodity prices, option volatility, counterparty credit risk, and other related data. Valuations incorporate credit valuation adjustments (“CVAs”) to account for nonperformance risk associated with both our counterparties and us. CVAs are generally determined by applying a credit spread to the total expected exposure, net of any collateral, of the derivative. Securities Sold, Not Yet Purchased Securities sold, not yet purchased, are included in “Federal funds and other short-term borrowings” on the consolidated balance sheet. They are measured using quoted market prices and are generally classified in Level 1. In cases where market prices for identical securities are unavailable, quoted prices for similar securities are utilized, with the related balances classified in Level 2. Fair Value Hierarchy The following schedule presents assets and liabilities measured at fair value on a recurring basis: December 31, 2024 (In millions) Level 1 Level 2 Level 3 Total ASSETS Trading securities $ — $ 35 $ — $ 35 Available-for-sale securities: U.S. Treasury, agencies, and corporations 662 7,300 7,962 Municipal securities 1,108 1,108 Other debt securities 25 25 Total available-for-sale 662 8,433 — 9,095 Loans held for sale 25 25 Other noninterest-bearing investments: Bank-owned life insurance 562 562 Private equity investments 1 3 105 108 Other assets: Agriculture loan servicing 20 20 Deferred compensation plan assets 149 149 Derivatives 446 446 Total assets $ 814 $ 9,501 $ 125 $ 10,440 LIABILITIES Fed funds and other short-term borrowings: Securities sold, not yet purchased $ 21 $ — $ — $ 21 Other liabilities: Derivatives 350 350 Total liabilities $ 21 $ 350 $ — $ 371 December 31, 2023 (In millions) Level 1 Level 2 Level 3 Total ASSETS Trading securities $ — $ 48 $ — $ 48 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 Loans held for sale 43 43 Other noninterest-bearing investments: Bank-owned life insurance 553 553 Private equity investments 1 3 92 95 Other assets: Agriculture loan servicing 19 19 Deferred compensation plan assets 124 124 Derivatives 420 420 Total assets $ 619 $ 10,872 $ 111 $ 11,602 LIABILITIES Fed funds and other short-term borrowings: Securities sold, not yet purchased $ 65 $ — $ — $ 65 Other liabilities: Derivatives 333 333 Total liabilities $ 65 $ 333 $ — $ 398 1 The level 1 PEIs generally relate to the portion of our SBIC investments and other similar investments that are publicly traded. Fair Value Option for Certain Loans Held for Sale We have elected the fair value option for certain commercial real estate loans designated for sale to a third-party conduit for securitization and hedged with derivative instruments. This election mitigates the accounting volatility that would otherwise arise from the asymmetry of accounting for loans held for sale at the lower of cost or fair value and derivatives at fair value, without the complexity of applying hedge accounting. These loans are included in “Loans held for sale” on the consolidated balance sheet. Associated fair value gains and losses are included in “Capital markets fees” on the consolidated statement of income, while accrued interest is included in “Interest and fees on loans.” At December 31, 2024 and 2023, we had $25 million and $43 million of loans measured at fair value, with an unpaid principal balance of $26 million and $43 million, respectively. During 2024 and 2023, we recognized approximately $14 million and $4 million of net gains from loan sales and valuation adjustments of loans measured at fair value and the associated derivatives, respectively. Level 3 Valuations Roll-forward of Level 3 Fair Value Measurements The following schedule presents a roll-forward of assets and liabilities that are measured at fair value on a recurring basis using Level 3 inputs: Level 3 Instruments December 31, 2024 December 31, 2023 December 31, 2022 (In millions) Private Ag loan servicing Private Ag loan servicing Private Ag loan servicing Balance at beginning of year $ 92 $ 19 $ 81 $ 14 $ 66 $ 12 Unrealized securities gains (losses), net 9 — (2) — 3 — Other noninterest income — 1 — 5 — 2 Purchases 11 — 14 — 16 — Cost of investments sold (7) — (1) — (3) — Redemptions and paydowns — — — — — — Transfers out — — — — (1) — Balance at end of year $ 105 $ 20 $ 92 $ 19 $ 81 $ 14 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) Year Ended December 31, 2024 2023 2022 Securities gains (losses), net $ 1 $ (1) $ (2) Nonrecurring Fair Value Measurements Certain assets and liabilities may be measured at fair value on a nonrecurring basis. These include impaired loans measured at the fair value of the underlying collateral, OREO, and equity investments without readily determinable fair values. Nonrecurring fair value adjustments generally include changes in value resulting from observable price changes for equity investments without readily determinable fair values, write-downs of individual assets, or the application of lower of cost or fair value accounting. Collateral-dependent loans were measured at the lower of amortized cost or the fair value of the collateral. OREO was initially measured at fair value based on collateral appraisals at the time of transfer and subsequently at the lower of cost or fair value (less any selling costs). The fair value measurement for collateral-dependent loans and OREO was based on third-party appraisals utilizing one or more valuation techniques (income, market, and cost approaches). Adjustments to calculated fair values were made based on recently completed and validated third-party appraisals, third-party appraisal services, automated valuation services, or our informed judgment. Automated valuation services, which use models based on market, economic, and demographic values, may be primarily used for residential properties when values from any of the previous methods were not available within 90 days of the balance sheet date. At December 31, 2024, we had no collateral-dependent loans marked to fair value, and during 2024, we recognized no losses from fair value changes related to these loans. Fair Value of Certain Financial Instruments The following schedule presents the carrying values and estimated fair values of certain financial instruments: December 31, 2024 December 31, 2023 (In millions) Carrying Fair value Level Carrying Fair value Level Financial assets: Held-to-maturity investment securities $ 9,669 $ 9,382 2 $ 10,382 $ 10,466 2 Loans and leases (including loans held for sale), net of allowance 58,788 57,130 3 57,148 54,832 3 Financial liabilities: Time deposits 11,482 11,468 2 9,996 9,964 2 Long-term debt 950 950 2 542 494 2 The preceding schedule excludes certain financial instruments recorded at fair value on a recurring basis, as well as certain financial assets and liabilities for which the carrying value approximates fair value. These include cash and due from banks, money market investments, demand, savings, and money market deposits, federal funds purchased and other short-term borrowings, and security repurchase agreements. The estimated fair value of demand, savings, and money market deposits is the amount payable on demand at the reporting date. Carrying value is used because these accounts have no stated maturity, customers can withdraw funds immediately, and there is generally negligible credit risk. Instruments for which carrying value approximates fair value are generally classified in Level 2 in the fair value hierarchy, as their pricing is largely based on observable market inputs. Time and foreign deposits are measured at fair value by discounting future cash flows using the applicable yield curve to the given maturity dates. Long-term debt is measured at fair value based on actual market trades (i.e., an asset value) when available, or by discounting cash flows to maturity using the applicable yield curve adjusted for credit spreads. For loans measured at amortized cost, fair value is estimated for disclosure purposes by discounting future cash flows using the applicable yield curve, adjusted by a factor derived from analyzing recent loan originations and incorporating a liquidity premium inherent in the loan. These future cash flows are then reduced by the estimated aggregate credit losses over the life of the loan portfolio. The fair value for held-to-maturity (“HTM”) securities is estimated using a third-party pricing service or an internal model, which utilizes observable market yields as inputs. These fair value disclosures represent our best estimates based on relevant market information and judgments regarding current economic conditions, future expected loss experience, risk characteristics of the various instruments, and other factors. These estimates are inherently subjective, involve uncertainties and significant judgment, and cannot be determined with precision. Changes in methodologies and assumptions would significantly affect these estimates.

OFFSETTING ASSETS AND LIABILITI

OFFSETTING ASSETS AND LIABILITIES	12 Months Ended
	Dec. 31, 2024
Offsetting [Abstract]
OFFSETTING ASSETS AND LIABILITIES	OFFSETTING ASSETS AND LIABILITIES The following schedule presents gross and net information for selected financial instruments on the balance sheet: December 31, 2024 (In millions) Gross amounts not offset on the balance sheet Description Gross amounts recognized Gross amounts offset on the balance sheet Net amounts presented on the balance sheet Financial instruments Cash collateral received/pledged Net amount Assets: Federal funds sold and securities purchased under agreements to resell $ 1,453 $ — $ 1,453 $ — $ — $ 1,453 Derivatives (included in Other assets 446 — 446 (19) (404) 23 Total assets $ 1,899 $ — $ 1,899 $ (19) $ (404) $ 1,476 Liabilities: Federal funds and other short-term borrowings $ 3,832 $ — $ 3,832 $ — $ — $ 3,832 Derivatives (included in Other liabilities 350 — 350 (19) (3) 328 Total liabilities $ 4,182 $ — $ 4,182 $ (19) $ (3) $ 4,160 December 31, 2023 (In millions) Gross amounts not offset on the balance sheet Description Gross amounts recognized Gross amounts offset on the balance sheet Net amounts presented on the balance sheet Financial instruments Cash collateral received/pledged Net amount Assets: Federal funds sold and securities purchased under agreements to resell $ 1,170 $ (233) $ 937 $ — $ — $ 937 Derivatives (included in Other assets 420 — 420 (31) (357) 32 Total assets $ 1,590 $ (233) $ 1,357 $ (31) $ (357) $ 969 Liabilities: Federal funds and other short-term borrowings $ 4,612 $ (233) $ 4,379 $ — $ — $ 4,379 Derivatives (included in Other liabilities 333 — 333 (31) (1) 301 Total liabilities $ 4,945 $ (233) $ 4,712 $ (31) $ (1) $ 4,680 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.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	12 Months Ended
	Dec. 31, 2024
Investments [Abstract]
INVESTMENT SECURITIES	INVESTMENT SECURITIES Investment Securities We classify our investment securities as either available-for-sale (“AFS”) or held-to-maturity (“HTM”), according to their purpose and holding period. Gains or losses on the sale of investment securities are recognized using the specific identification method and are recorded in noninterest income. AFS securities are measured at fair value and consist of debt securities used to manage liquidity and interest rate risk and to generate interest income. Unrealized gains and losses from AFS securities, after applicable taxes, are recorded as a component of other comprehensive income (“OCI”). HTM securities, which management has the intent and ability to hold until maturity, are carried at amortized cost. The amortized cost represents the original investment cost, adjusted for related amortization or accretion of any purchase premiums or discounts, and for any impairment losses, including credit-related impairment. The carrying values of our investment securities do not include accrued interest receivables of $60 million and $65 million at December 31, 2024, and 2023, respectively. These receivables are included in “Other assets” on the consolidated balance sheet. The purchase premiums for callable debt securities classified as AFS or HTM are amortized into interest income at an effective yield to the earliest call date. The purchase premiums and discounts for all other AFS and HTM securities are recorded as interest income over the contractual life of the security using the effective yield method. As principal prepayments are received on securities, a proportionate amount of the related premium or discount is recognized in income so that the effective yield on the remaining portion of the security continues unchanged. See Note 3 for more information about the process to estimate fair value for investment securities. When a security is transferred from AFS to HTM, the difference between its amortized cost basis and fair value at the date of transfer is amortized as a yield adjustment through interest income. 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 accumulated other comprehensive income (“AOCI”) will offset the effect of the amortization of the premium or discount in interest income created by the transfer. The discount associated with securities previously transferred from AFS to HTM was $1.8 billion ($1.4 billion after tax) at December 31, 2024, compared with $2.1 billion ($1.5 billion after tax) at December 31, 2023. The following schedule presents the amortized cost and estimated fair values of our AFS and HTM securities: December 31, 2024 (In millions) Amortized Gross unrealized gains 1 Gross Estimated Available-for-sale U.S. Treasury securities $ 781 $ — $ 119 $ 662 U.S. Government agencies and corporations: Agency securities 441 — 26 415 Agency guaranteed mortgage-backed securities 7,713 1 1,263 6,451 Small Business Administration loan-backed securities 455 — 21 434 Municipal securities 1,186 — 78 1,108 Other debt securities 25 — — 25 Total available-for-sale 10,601 1 1,507 9,095 Held-to-maturity U.S. Government agencies and corporations: Agency securities 148 — 8 140 Agency guaranteed mortgage-backed securities 9,202 2 263 8,941 Municipal securities 319 — 18 301 Total held-to-maturity 9,669 2 289 9,382 Total investment securities $ 20,270 $ 3 $ 1,796 $ 18,477 December 31, 2023 (In millions) Amortized Gross unrealized gains 1 Gross Estimated 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 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 Total 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 remaining contractual maturity of principal payments at December 31, 2024. It does not incorporate interest rate resets and fair value hedges. The remaining contractual principal maturities do not reflect the duration of the portfolio, which includes amortization and expected prepayments; these effects result in measured durations shorter than contractual maturities. December 31, 2024 Total debt securities Due in one year or less Due after one year through five years Due after five years through ten years Due after ten years (Dollar amounts in millions) Amortized cost Average yield Amortized cost Average yield Amortized cost Average yield Amortized cost Average yield Amortized cost Average yield Available-for-sale U.S. Treasury securities $ 781 3.28 % $ 179 4.41 % $ 101 4.00 % $ 100 4.23 % $ 401 2.35 % U.S. Government agencies and corporations: Agency securities 441 3.09 74 2.99 44 3.83 195 2.92 128 3.14 Agency guaranteed mortgage-backed securities 7,713 2.02 18 1.25 105 2.04 1,390 2.09 6,200 2.00 Small Business Administration loan-backed securities 455 4.78 1 7.46 13 5.74 122 3.91 319 5.07 Municipal securities 1 1,186 2.27 176 3.27 315 2.53 674 1.89 21 2.30 Other debt securities 25 8.34 — — 10 9.51 — — 15 7.56 Total available-for-sale securities 10,601 2.32 448 3.61 588 2.98 2,481 2.28 7,084 2.20 Held-to-maturity U.S. Government agencies and corporations: Agency securities 148 4.18 — — — — — — 148 4.18 Agency guaranteed mortgage-backed securities 9,202 1.84 — — — — 41 1.89 9,161 1.84 Municipal securities 1 319 3.22 34 3.49 132 2.93 140 3.32 13 4.25 Total held-to-maturity securities 9,669 1.92 34 3.49 132 2.93 181 3.00 9,322 1.88 Total investment securities $ 20,270 2.13 $ 482 3.60 $ 720 2.97 $ 2,662 2.33 $ 16,406 2.02 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, categorized by the length of time the securities have been in an unrealized loss position: December 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 $ 3 $ 198 $ 116 $ 285 $ 119 $ 483 U.S. Government agencies and corporations: Agency securities — 3 26 403 26 406 Agency guaranteed mortgage-backed securities — 86 1,263 6,171 1,263 6,257 Small Business Administration loan-backed securities — 35 21 387 21 422 Municipal securities — 68 78 984 78 1,052 Other — — — — — — Total available-for-sale investment securities $ 3 $ 390 $ 1,504 $ 8,230 $ 1,507 $ 8,620 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 December 31, 2024, and 2023, approximately 2,534 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 AFS securities, when the fair value of a debt security is less than its amortized cost basis at the balance sheet date, we assess for credit impairment. When determining if the fair value of an investment is less than the amortized cost basis, we exclude accrued interest from the amortized cost basis of the investment. If we intend to sell an identified security, or if it is more likely than not we will be required to sell the security before recovering its amortized cost basis, we write the amortized cost down to the security’s fair value at the reporting date through earnings. If we have the intent and ability to hold the securities, we determine whether any impairment is attributable to credit-related factors. We analyze certain factors, primarily internal and external credit ratings, to determine if the decline in fair value below the amortized cost basis results from a credit loss or other factors. If a credit impairment is identified, we measure the amount of credit loss and recognize an allowance for it. To measure the credit loss, we generally compare the present value of expected cash flows from the security to its amortized cost basis. These cash flows are adjusted for credit using assumptions for default probability and loss severity, among other factors. Additional inputs, such as prepayment rate assumptions, are also utilized, and certain internal models may be employed. To determine the credit-related portion of impairment, we use the security-specific effective interest rate to estimate the present value of cash flows. If the present value of cash flows is less than the amortized cost basis of the security, this amount is recorded as an allowance for credit loss, limited to the amount by which the fair value is less than the amortized cost basis (i.e., the credit impairment cannot result in the security being carried at an amount lower than its fair value). The assumptions used to estimate expected cash flows depend on the asset class, structure, and credit rating of the security. Declines in fair value not recorded in the allowance are recorded in other comprehensive income, net of applicable taxes. The process, methodology, and factors considered to evaluate securities for impairment are described below. See also Note 3 for additional information regarding the measurement of our investment securities at fair value. AFS Impairment We did not recognize any impairment on our AFS investment securities portfolio during 2024 and 2023. Unrealized losses primarily relate to higher interest rates subsequent to the purchase of securities and are not attributable to credit. Therefore, absent any future sales, we expect to receive the full principal value at maturity. At December 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 recovering 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 December 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. Investment Securities Gains and Losses Recognized in Income The following schedule presents investment securities gains and losses recognized in income: 2024 2023 2022 (In millions) Gross Gross Gross Gross Gross Gross Available-for-sale $ — $ — $ 72 $ 72 $ — $ — The following schedule presents interest income categorized by investment security type: (In millions) 2024 2023 2022 Taxable Nontaxable Total Taxable Nontaxable Total Taxable Nontaxable Total Available-for-sale $ 294 $ 31 $ 325 $ 291 $ 31 $ 322 $ 411 $ 40 $ 451 Held-to-maturity 218 4 222 236 3 239 42 4 46 Total investment securities $ 512 $ 35 $ 547 $ 527 $ 34 $ 561 $ 453 $ 44 $ 497

LOANS, LEASES, AND ALLOWANCE FO

LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES	12 Months Ended
	Dec. 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 At the time of origination, loans are classified as either held for investment or held for sale based on our intended purpose. We may subsequently change our intent for a loan or group of loans and reclassify them accordingly. Loans held for sale are carried at the lower of cost or fair value. A valuation allowance is recorded when cost exceeds fair value, based on reviews at the time of reclassification and periodically thereafter. Associated gains and losses are calculated based on the difference between sales proceeds and carrying value, and are included in “Loan-related fees and income” on the consolidated statement of income. In the ordinary course of business, we may syndicate portions of loans or transfer portions of loans under participation agreements to manage credit risk and portfolio concentration. We evaluate loan participations to ensure they comply with the relevant accounting guidance to qualify as sales. We elect the fair value option for certain CRE loans designated for sale or securitization and are hedged with derivative instruments, as described further in Note 3. Gains and losses on the sale of these loans are included in “Capital markets fees” on the consolidated statement of income. The following schedule presents our loan and lease portfolio according to major portfolio segment and specific class: December 31, (In millions) 2024 2023 Loans held for sale $ 74 $ 53 Commercial: Commercial and industrial $ 16,891 $ 16,684 Leasing 377 383 Owner-occupied 9,333 9,219 Municipal 4,364 4,302 Total commercial 30,965 30,588 Commercial real estate: Construction and land development 2,774 2,669 Term 10,703 10,702 Total commercial real estate 13,477 13,371 Consumer: Home equity credit line 3,641 3,356 1-4 family residential 9,939 8,415 Construction and other consumer real estate 810 1,442 Bankcard and other revolving plans 457 474 Other 121 133 Total consumer 14,968 13,820 Total loans and leases $ 59,410 $ 57,779 Loans and leases classified as held for investment are measured and presented at their amortized cost basis, which includes net unamortized purchase premiums, discounts, and deferred loan fees and costs totaling $43 million and $37 million at December 31, 2024, and December 31, 2023, respectively. These unamortized amounts are amortized into interest income over the life of the loan using the interest method. The amortized cost basis of the loans does not include accrued interest receivables of $281 million and $299 million at December 31, 2024, and December 31, 2023, respectively. These receivables are included in “ Other assets Municipal loans generally include loans to state and local governments (“municipalities”), with the debt service being repaid from general funds or pledged revenues of the municipal entity, or to private commercial entities or 501(c)(3) not-for-profit entities utilizing a pass-through municipal entity to achieve favorable tax treatment. Land acquisition and development loans included in the construction and land development loan portfolio totaled $260 million at December 31, 2024 and $219 million at December 31, 2023. Loans with a carrying value of approximately $40.4 billion at December 31, 2024, and $36.3 billion at December 31, 2023, have been pledged at the Federal Reserve and the Federal Home Loan Bank (“FHLB”) of Des Moines as collateral for current and potential borrowings. Loans held for sale are measured individually at fair value or the lower of cost or fair value and primarily consist of CRE loans sold into securitization entities and conforming residential mortgages generally sold to U.S. government agencies. The following schedule presents loans added to, or sold from, the held for sale category during the periods presented: Twelve Months Ended (In millions) 2024 2023 Loans added to held for sale $ 922 $ 678 Loans sold from held for sale 899 632 Occasionally, we retain continuing involvement in sold loans through servicing rights or guarantees. The principal balance of sold loans for which we have retained servicing was approximately $615 million at December 31, 2024, and $431 million at December 31, 2023. Income from loans sold, excluding servicing, was $8 million in 2024, $16 million in 2023, and $14 million in 2022. Allowance for Credit Losses We evaluate loans throughout their lifecycle for indications of credit deterioration, which may affect the loan status, risk grading, and potentially the accounting for that loan. Loan status categories include accruing or nonaccruing, past due as to contractual payments, and modified. The ACL, which consists of the allowance for loan and lease losses (“ALLL”) and the reserve for unfunded lending commitments (“RULC”), represents our estimate of current expected credit losses related to the loan and lease portfolio and unfunded lending commitments as of the balance sheet date. The ACL for AFS and HTM debt securities is estimated separately from loans. For HTM securities, the ACL is estimated consistent with the approach for loans carried at amortized cost. See Note 5 for further discussion on our assessment of expected credit losses on AFS securities and disclosures related to AFS and HTM securities. The ACL is calculated using the loan’s amortized cost basis, which includes the principal balance, net of unamortized premiums, discounts, and deferred fees and costs. We do not estimate the ACL for accrued interest receivables, as we reverse or write off uncollectible accrued interest receivable balances in a timely manner, generally within one month. The methodologies we use to estimate the ACL depend on various factors, including the type of loan, the age and contractual term of the loan, expected payments (both contractual and estimated prepayments), credit quality indicators, economic forecasts, and the evaluation method (whether individually or collectively evaluated). Loan extensions or renewals are not considered in the ACL unless they are included in the original or modified loan contract and are not unconditionally cancellable. Losses are charged to the ACL when recognized. Generally, commercial and CRE loans are charged off or charged down when they are determined to be uncollectible in whole or in part, or when 180 days past due, unless the loan is well secured and in process of collection. Consumer loans are either charged off or charged down to net realizable value no later than the month in which they become 180 days past due. Closed-end consumer loans that are not secured by residential real estate are either charged off or charged down to net realizable value no later than the month in which they become 120 days past due. We establish the amount of the ACL by analyzing the portfolio at least quarterly, and we adjust the provision for loan losses and unfunded lending commitments to ensure the ACL is at an appropriate level at the balance sheet date. The ACL is determined based on our review of loans with similar risk characteristics, which are evaluated on a collective basis, as well as loans without similar risk characteristics, which are evaluated on an individual basis. For commercial and CRE loans with commitments greater than $1 million, we assign internal risk grades using a comprehensive loan grading system based on financial and statistical models, individual credit analysis, and loan officer experience and judgment. The credit quality indicators described subsequently are based on this grading system. Estimated credit losses on all loan segments, including consumer and small commercial and CRE loans with commitments less than or equal to $1 million that are evaluated on a collective basis, are derived from statistical analyses of our historical default and loss experience since January 2008. We estimate current expected credit losses for each loan by considering historical credit loss experience, current conditions, and reasonable and supportable forecasts about the future. We use the following two types of credit loss estimation models: • Econometric loss models, which rely on statistical analyses of our historical loss experience, dependent on economic factors and other loan-level characteristics. Statistically relevant economic factors vary depending on the type of loan, but include variables such as unemployment, real estate price indices, energy prices, and gross domestic product (“GDP”). The models use multiple economic scenarios that reflect optimistic, baseline, and stressed economic conditions. The results derived using these economic scenarios are weighted to produce the credit loss estimate. Management may adjust the weights to reflect their assessment of current conditions and reasonable and supportable forecasts. • Loss models based on our long-term average historical credit loss experience since 2008, which rely on statistical analyses of our historical loss experience, dependent upon loan-level characteristics. Credit loss estimates for the first 12 months of a loan’s remaining life are derived using econometric loss models. Over a subsequent 12-month reversion period, we blend the estimated credit losses from the two model types on a straight-line basis. For the remaining life of the loan, the estimated credit losses are derived from the long-term average historical credit loss models. For loans that do not share risk characteristics with other loans, we estimate lifetime expected credit losses on an individual basis. These include nonaccrual loans with a balance greater than $1 million. When a loan is individually evaluated for expected credit losses, we estimate a specific reserve for the loan based on either the projected present value of the loan’s future cash flows discounted at the loan’s effective interest rate, the observable market price of the loan, or the fair value of the loan’s underlying collateral. When we base the specific reserve on the fair value of the loan’s underlying collateral, we generally charge off the portion of the balance that exceeds the fair value. For these loans, subsequent to the charge-off, if the fair value of the loan’s underlying collateral increases according to an updated appraisal, we establish a negative reserve up to the lesser of the amount of the charge-off or the updated fair value. The methodologies described previously generally rely on historical loss information to help determine the quantitative portion of the ACL. We also consider other qualitative and environmental factors related to current conditions and reasonable and supportable forecasts that may indicate current expected credit losses could differ from the historical information reflected in our quantitative models. Thus, after applying historical loss experience, we review the quantitative portion of ACL for each portfolio segment. We then monitor various qualitative risk factors that influence our judgment regarding the level of the ACL across the portfolio segments. These factors primarily include: • Actual and expected changes in international, national, regional, and local economic and business conditions and developments; • The volume and severity of past due loans, the volume of nonaccrual loans, and the volume and severity of adversely classified or graded loans; • Lending policies and procedures, including changes in underwriting standards and practices for collection, charge-off, and recovery; • The experience, ability, and depth of lending management and other relevant staff; • The nature and volume of the portfolio; • The quality of the credit review function; • The existence, growth, and effect of any concentration of credit; • The effect of other external factors such as regulatory, legal, and technological environments; fiscal and monetary actions; competition; and events such as natural disasters and pandemics. The magnitude of the impact of these factors on our qualitative assessment of the ACL changes from quarter to quarter based on management's assessment of these factors, the extent to which these factors are already reflected in quantitative loss estimates, and the extent to which changes in these factors diverge from one to another. We also consider the uncertainty and imprecision inherent in the estimation process when evaluating the ACL. Off-balance Sheet Credit Exposures We estimate current expected credit losses for off-balance sheet loan commitments, including letters of credit that are not unconditionally cancellable. This estimate uses the same procedures and methodologies described previously for loans and is calculated as the difference between the estimated current expected credit loss and the funded balance, if greater than zero. Changes in the Allowance for Credit Losses The following schedule presents a roll forward of the ACL categorized by loan portfolio segment: December 31, 2024 (In millions) Commercial Commercial Consumer Total Allowance for loan and lease losses Balance at beginning of year $ 302 $ 241 $ 141 $ 684 Provision for loan losses 51 67 (46) 72 Gross loan and lease charge-offs 68 11 12 91 Recoveries 23 3 5 31 Net loan and lease charge-offs (recoveries) 45 8 7 60 Balance at end of year $ 308 $ 300 $ 88 $ 696 Reserve for unfunded lending commitments Balance at beginning of year $ 19 $ 17 $ 9 $ 45 Provision for unfunded lending commitments 7 (6) (1) — Balance at end of year $ 26 $ 11 $ 8 $ 45 Total allowance for credit losses Allowance for loan and lease losses $ 308 $ 300 $ 88 $ 696 Reserve for unfunded lending commitments 26 11 8 45 Total allowance for credit losses $ 334 $ 311 $ 96 $ 741 December 31, 2023 (In millions) Commercial Commercial Consumer Total Allowance for loan and lease losses Balance at beginning of year $ 300 $ 152 $ 120 $ 572 Provision for loan losses 27 92 29 148 Gross loan and lease charge-offs 45 3 14 62 Recoveries 20 — 6 26 Net loan and lease charge-offs (recoveries) 25 3 8 36 Balance at end of year $ 302 $ 241 $ 141 $ 684 Reserve for unfunded lending commitments Balance at beginning of year $ 16 $ 33 $ 12 $ 61 Provision for unfunded lending commitments 3 (16) (3) (16) Balance at end of year $ 19 $ 17 $ 9 $ 45 Total allowance for credit losses Allowance for loan and lease losses $ 302 $ 241 $ 141 $ 684 Reserve for unfunded lending commitments 19 17 9 45 Total allowance for credit losses $ 321 $ 258 $ 150 $ 729 Nonaccrual Loans Loans are generally placed on nonaccrual when payment in full of principal and interest is not expected, or the loan is 90 days or more past due on principal or interest, unless it is both well secured and in the process of collection. The determination to place a loan on nonaccrual status considers factors such as delinquency status, collateral value, financial statements of the borrower or guarantor, bankruptcy status, and other indicators that suggest uncertainty in the full and timely collection of principal and interest. A nonaccrual loan may be restored to accrual status when the following conditions are met: (1) all delinquent principal and interest are brought current in accordance with the loan agreement; (2) the loan, if secured, is well secured; (3) the borrower has made payments according to the contractual terms for a minimum of six months; and (4) an analysis of the borrower indicates a reasonable assurance of their ability and willingness to continue making payments. The following schedule presents the amortized cost basis of loans on nonaccrual: December 31, 2024 Amortized cost basis Total amortized cost basis (In millions) with no allowance with allowance Related allowance Commercial: Commercial and industrial $ 45 $ 69 $ 114 $ 19 Leasing — 2 2 1 Owner-occupied 18 13 31 1 Municipal 5 6 11 2 Total commercial 68 90 158 23 Commercial real estate: Term 27 32 59 4 Total commercial real estate 27 32 59 4 Consumer: Home equity credit line 5 25 30 5 1-4 family residential 12 37 49 4 Bankcard and other revolving plans — 1 1 1 Total consumer loans 17 63 80 10 Total $ 112 $ 185 $ 297 $ 37 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 as interest income in accordance with the contractual loan agreement. For nonaccruing loans, the accrual of interest is discontinued, and any uncollected or accrued interest is promptly reversed from interest income, generally within one month. Payments received on nonaccruing loans are not recognized as interest income, but are applied to reduce the outstanding principal balance. When the collectibility of the amortized cost basis of a nonaccrual loan is no longer in doubt, interest payments may be recognized as interest income on a cash basis. During 2024 and 2023, no interest income was recognized on a cash basis while the loans were on nonaccrual. The following schedule presents the amount of accrued interest receivables reversed from interest income categorized by loan portfolio segment during the periods presented: Twelve Months Ended (In millions) 2024 2023 2022 Commercial $ 16 $ 10 $ 12 Commercial real estate 5 3 1 Consumer 4 2 — Total $ 25 $ 15 $ 13 Past Due Loans Closed-end loans with monthly payments 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 (e.g., quarterly, semi-annual), single payment, and demand notes are reported as past due when either principal or interest is due and unpaid for 30 days or more. The following schedules present loans categorized by their past-due or delinquency status: December 31, 2024 (In millions) Current 30-89 days 90+ days Total Total Accruing Nonaccrual loans that are current 1 Commercial: Commercial and industrial $ 16,857 $ 20 $ 14 $ 34 $ 16,891 $ 1 $ 98 Leasing 377 — — — 377 — 2 Owner-occupied 9,309 10 14 24 9,333 3 16 Municipal 4,348 6 10 16 4,364 10 11 Total commercial 30,891 36 38 74 30,965 14 127 Commercial real estate: Construction and land development 2,774 — — — 2,774 — — Term 10,667 2 34 36 10,703 3 28 Total commercial real estate 13,441 2 34 36 13,477 3 28 Consumer: Home equity credit line 3,609 20 12 32 3,641 — 13 1-4 family residential 9,896 16 27 43 9,939 — 15 Construction and other consumer real estate 810 — — — 810 — Bankcard and other revolving plans 453 2 2 4 457 1 — Other 121 — — — 121 — — Total consumer loans 14,889 38 41 79 14,968 1 28 Total $ 59,221 $ 76 $ 113 $ 189 $ 59,410 $ 18 $ 183 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 definitions of Pass, Special Mention, Substandard, and Doubtful, which align with published regulatory risk classifications. Definitions of Pass, Special Mention, Substandard, and Doubtful are summarized as follows: • Pass — A Pass asset is higher-quality and does not fit any of the other categories described below. The likelihood of loss is considered low. • Special Mention — A Special Mention asset has potential weaknesses that warrant management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or 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 the collateral pledged, if any. Assets classified as Substandard 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 amount of loans classified as Doubtful totaled $14 million at December 31, 2024. There were no loans classified as Doubtful at December 31, 2023. For commercial and CRE loans with commitments greater than $1 million, we assign one of multiple grades within the Pass classification or one of the previously described risk classifications. We assess our internal risk grades quarterly, or as soon as we identify information that affects the credit risk of the loan. For consumer loans and for commercial and CRE loans with commitments of $1 million or less, we generally assign internal risk grades similar to those previously described based on automated rules that consider refreshed credit scores, payment performance, and other risk indicators. These loans 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 schedules present the amortized cost of loans and leases categorized by year of origination and by credit quality classifications as monitored by management: December 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 $ 2,479 $ 1,951 $ 1,504 $ 759 $ 387 $ 679 $ 8,043 $ 150 $ 15,952 Special Mention 37 24 47 8 2 34 85 5 242 Accruing Substandard 53 43 200 26 28 21 200 12 583 Nonaccrual 7 13 31 17 1 4 38 3 114 Total commercial and industrial 2,576 2,031 1,782 810 418 738 8,366 170 16,891 Leasing Pass 109 79 94 26 12 36 — — 356 Special Mention — — 2 — — — — — 2 Accruing Substandard 1 3 10 2 1 — — — 17 Nonaccrual — 1 1 — — — — — 2 Total leasing 110 83 107 28 13 36 — — 377 Owner-occupied Pass 1,346 907 1,606 1,657 900 2,097 234 47 8,794 Special Mention 38 — 38 31 2 18 18 1 146 Accruing Substandard 23 28 75 66 25 133 7 5 362 Nonaccrual 5 1 4 1 — 15 5 — 31 Total owner-occupied 1,412 936 1,723 1,755 927 2,263 264 53 9,333 Municipal Pass 604 498 939 960 553 753 — 29 4,336 Special Mention — — — — — — — — Accruing Substandard 10 4 — — — 3 — — 17 Nonaccrual 3 — — 5 — 3 — — 11 Total municipal 617 502 939 965 553 759 — 29 4,364 Total commercial 4,715 3,552 4,551 3,558 1,911 3,796 8,630 252 30,965 December 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 real estate: Construction and land development Pass 361 701 445 4 1 9 680 52 2,253 Special Mention — 22 21 17 — — — 25 85 Accruing Substandard 57 52 249 78 — — — — 436 Nonaccrual — — — — — — — — — Total construction and land development 418 775 715 99 1 9 680 77 2,774 Term Pass 1,687 1,198 2,093 1,278 1,053 1,608 254 175 9,346 Special Mention 48 — 87 — — 5 — — 140 Accruing Substandard 298 105 443 144 13 102 27 26 1,158 Nonaccrual — — 23 — — 10 — 26 59 Total term 2,033 1,303 2,646 1,422 1,066 1,725 281 227 10,703 Total commercial real estate 2,451 2,078 3,361 1,521 1,067 1,734 961 304 13,477 Consumer: Home equity credit line Pass — — — — — — 3,506 99 3,605 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 6 — 6 Nonaccrual — — — — — — 22 8 30 Total home equity credit line — — — — — — 3,534 107 3,641 1-4 family residential Pass 1,062 870 2,959 1,877 925 2,197 — — 9,890 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — 3 8 9 2 27 — — 49 Total 1-4 family residential 1,062 873 2,967 1,886 927 2,224 — — 9,939 Construction and other consumer real estate Pass 157 191 420 34 5 3 — — 810 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total construction and other consumer real estate 157 191 420 34 5 3 — — 810 Bankcard and other revolving plans Pass — — — — — — 453 1 454 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 2 — 2 Nonaccrual — — — — — — 1 — 1 Total bankcard and other revolving plans — — — — — — 456 1 457 Other consumer Pass 52 35 22 8 2 2 — — 121 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total other consumer 52 35 22 8 2 2 — — 121 Total consumer 1,271 1,099 3,409 1,928 934 2,229 3,990 108 14,968 Total loans $ 8,437 $ 6,729 $ 11,321 $ 7,007 $ 3,912 $ 7,759 $ 13,581 $ 664 $ 59,410 December 31, 2023 Term Loans Revolving loans amortized cost basis Revolving loans converted to term loans amortized cost basis Amortized cost basis by year of origination (In millions) 2023 2022 2021 2020 2019 Prior Total Commercial: Commercial and industrial Pass $ 2,654 $ 2,420 $ 1,204 $ 639 $ 494 $ 598 $ 7,973 $ 151 $ 16,133 Special Mention 8 98 34 2 20 37 103 — 302 Accruing Substandard 11 18 7 2 19 8 99 3 167 Nonaccrual 5 36 1 2 11 1 21 5 82 Total commercial and industrial 2,678 2,572 1,246 645 544 644 8,196 159 16,684 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 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 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 Total commercial 4,492 5,770 4,436 2,336 1,729 3,201 8,410 214 30,588 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 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 Total commercial real estate 2,571 3,477 2,294 1,634 884 1,482 757 272 13,371 December 31, 2023 Term Loans Revolving loans amortized cost basis Revolving loans converted to term loans amortized cost basis Amortized cost basis by year of origination (In millions) 2023 2022 2021 2020 2019 Prior Total Consumer: Home equity credit line Pass — — — — — — 3,237 97 3,334 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 4 1 5 Nonaccrual — — — — — — 15 2 17 Total home equity credit line — — — — — — 3,256 100 3,356 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 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 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 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 Total consumer 1,092 3,306 2,044 1,012 609 1,927 3,729 101 13,820 Total loans $ 8,155 $ 12,553 $ 8,774 $ 4,982 $ 3,222 $ 6,610 $ 12,896 $ 587 $ 57,779 The following schedules present gross charge-offs categorized by year of loan origination for the periods presented: December 31, 2024 Term loans Revolving loans Revolving loans converted to term loans gross charge-offs Gross charge-offs by year of loan origination (In millions) 2024 2023 2022 2021 2020 Prior Total Commercial: Commercial and industrial $ — $ 3 $ 19 $ 2 $ — $ 9 $ 30 $ 4 $ 67 Owner-occupied — — 1 — — — — — 1 Total commercial — 3 20 2 — 9 30 4 68 Commercial real estate: Term — 7 4 — — — — — 11 Consumer: Home equity credit line — — — — — — 1 — 1 1-4 family residential — — — — — 1 — — 1 Bankcard and other revolving plans — — — — — — 8 — 8 Other — — — — — 2 — — 2 Total consumer — — — — — 3 9 — 12 Total gross charge-offs $ — $ 10 $ 24 $ 2 $ — $ 12 $ 39 $ 4 $ 91 December 31, 2023 Term loans Revolving loans Revolving loans converted to term loans gross charge-offs Gross charge-offs by year of loan origination (In millions) 2023 2022 2021 2020 2019 Prior Total Commercial: Commercial and industrial $ 1 $ 10 $ 6 $ — $ — $ 2 $ 24 $ 2 $ 45 Commercial real estate: Construction and land development — — — — 1 — — — 1 Term — 2 — — — — — — 2 Total commercial real estate — 2 — — 1 — — — 3 Consumer: Home equity credit line — — — — — — 3 — 3 1-4 family residential — — — — — 2 — — 2 Bankcard and other revolving plans — — — — — — 9 — 9 Total consumer — — — — — 2 12 — 14 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. Modifications may also occur when the borrower experiences financial difficulty and requires temporary or permanent relief from the original contractual terms. For loans modified due to a borrower experiencing financial difficulty, we apply the same credit loss estimation methods used for the rest of the loan portfolio. These methods incorporate the post-modification loan terms, as well as defaults and charge-offs associated with historically modified loans. All nonaccruing loans greater than $1 million are evaluated individually, regardless of the type of modification. We consider various factors when determining whether to agree to a loan modification, aiming to minimize potential loss while helping the borrower. Our evaluation includes the 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 sponsors 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 demonstrated the ability to perform under the modified terms 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 considered 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. We continuously monitor the performance of all modified loans according

DERIVATIVE INSTRUMENTS AND HEDG

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES	12 Months Ended
	Dec. 31, 2024
Summary of Derivative Instruments [Abstract]
DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES	DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES Objectives for Using Derivatives Our primary objective for using derivatives is to manage interest rate risk. We utilize derivatives to manage volatility in interest income, interest expense, earnings, and capital by adjusting our interest rate sensitivity to minimize the impact of interest rate fluctuations. Derivatives are employed to stabilize forecasted interest income from variable-rate assets and to modify the coupon or duration of fixed-rate financial assets or liabilities as deemed advisable. Additionally, we assist customers with their risk management needs through the use of derivatives. Derivatives Related to Interest Rate Risk Management — We apply hedge accounting to certain derivatives executed for risk management purposes. However, not all derivatives involved in our risk management activities are designated for hedge accounting. Derivatives not designated as accounting hedges are used to economically manage our exposure to interest rate movements, including offsetting customer-facing derivatives. These derivatives are not used for speculative purposes. These derivatives either do not require hedge accounting for their economic impact to be appropriately reflected in our financial statements or they do not meet the strict hedge accounting requirements. Derivatives Related to Customers — We provide certain borrowers with access to over-the-counter interest rate derivatives, which we generally offset with interest rate derivatives executed with dealers or central clearing houses. Other interest rate derivatives that we offer to customers, or use for our own purposes, include mortgage rate locks and forward sale loan commitments. Additionally, we provide commercial customers with short-term foreign currency spot trades or forward contracts, typically with maturities of 90 days or less. These trades are largely offset by foreign currency trades with closely matching terms executed with other dealer counterparties or central clearing houses. Accounting for Derivatives We record all derivatives at fair value, and include them in “Other assets” or “Other liabilities” on the consolidated balance sheet, regardless of their accounting designation. We enter into International Swaps and Derivatives Association, Inc. (“ISDA”) master netting agreements, or similar agreements, with substantially all derivative counterparties. Where legally enforceable, these agreements grant us the right, in the event of default or other specified contingent events by the counterparty, to use cash or liquidate securities held as collateral and to offset receivables and payables with the same counterparty. For the consolidated balance sheet, we report all derivatives on a gross fair value basis, meaning we do not offset derivative assets, liabilities, and cash collateral held with the same counterparty, even where we have a legally enforceable master netting agreement. Note 3 discusses the process for estimating fair value for derivatives. The accounting for changes in the fair value of derivatives depends on their intended use and resulting accounting designation. Derivatives Designated in Qualifying Hedging Relationships We apply hedge accounting to certain derivatives executed for risk management purposes, primarily interest rate risk. To qualify for hedge accounting, a derivative must be highly effective at reducing the risk associated with the exposure being hedged, and the hedging relationship must be formally documented. We primarily use regression analysis to assess the effectiveness of each hedging relationship, unless the hedge qualifies for other methods of assessing effectiveness (e.g., shortcut or critical terms match), both at inception and on an ongoing basis. We designate derivatives as fair value and cash flow hedges for accounting purposes. Derivatives designated as accounting hedges are formally documented at the inception of the hedging relationship. This documentation includes the relationship between the hedging instrument and the hedged items or transactions, the risk management objective and strategy, and the methodology that will be used at inception and on an ongoing basis to assess the effectiveness of the hedging relationship. This ensures the hedge remains highly effective at offsetting changes in fair value or cash flows of the hedged items or transactions. If a hedging relationship is determined to no longer be highly effective, hedge accounting is discontinued prospectively. Derivatives used to hedge the exposure to changes in the fair value of assets, liabilities, or firm commitments attributable to interest rates or other eligible risks, are considered fair value hedges. Derivatives used to hedge the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Changes in the fair value of derivatives that are not part of designated fair value or cash flow hedging relationships are recorded in current period earnings. Fair Value Hedges — We generally use interest rate swaps designated as fair value hedges to mitigate changes in the fair value of fixed-rate assets and liabilities for specific risks, such as interest rate risk resulting from changes in a benchmark interest rate. We employ both pay-fixed, receive-floating and received-fixed, pay-floating interest rate swaps to effectively convert certain fixed-rate assets and liabilities to floating rates. In qualifying fair value hedges, changes in value of the derivative hedging instrument are recognized in current period earnings in the same line item affected by the hedged item. Similarly, the periodic changes in value of the hedged item, for the risk being hedged, are recognized in current period earnings, thereby offsetting all, or a significant majority, of the change in the value of the derivative hedging instrument. Interest accruals on both the derivative hedging instrument and the hedged item are recorded in the same line item, effectively converting the designated fixed-rate assets or liabilities to a floating rate. Generally, the designated risk being hedged in all of our fair value hedges is the change in fair value of the secured overnight financing rate (“SOFR”) (or an alternative rate) benchmark swap rate component of the contractual coupon cash flows of the fixed-rate assets or liabilities. The swaps are structured to match the critical terms of the hedged items, maximizing the economic and accounting effectiveness of the hedging relationships and resulting in the expectation that the swaps will be highly effective as hedging instruments. All interest rate swaps designated as fair value hedges were highly effective and met all other requirements to remain designated and part of qualifying hedge accounting relationships as of the balance sheet date. Fair Value Hedges of Liabilities — During the fourth quarter of 2024, we entered into a receive-fixed, pay-floating interest rate swap with a notional amount of $500 million to hedge the interest rate risk of a fixed-rate subordinated debt issuance. The receive-fixed interest rate swap effectively converts the interest on our fixed-rate debt to floating through the term of the hedging relationship. Changes in the fair value of the derivative designated as a fair value hedge of our fixed-rate debt were generally offset by changes in the fair value of the hedged debt instruments. We continue to have unamortized basis adjustments related to a previously terminated fair value hedge of fixed-rate debt as discussed in the schedule below. The unamortized basis adjustments from the previously terminated fair value hedge will be amortized over the remaining life of the fixed-rate debt, which matures in 2029. See Note 13 for more information on the hedged debt. Fair Value Hedges of Assets — At December 31, 2024, we had $1.0 billion in aggregate notional amount of pay-fixed, receive-floating interest rate swaps designated as a fair value hedge of a defined portfolio of fixed-rate commercial loans. These swaps were designated in accordance with the portfolio layer method described in ASU 2022-01, Derivatives and Hedging (Topic 815): Fair Value Hedging—Portfolio Layer Method. Additionally, we had $2.5 billion in aggregate notional amount of pay-fixed swaps designated under the portfolio layer method as fair value hedges of a defined portfolio of fixed-rate AFS securities. At December 31, 2024, we also had pay-fixed, receive-floating interest rate swaps with an aggregate notional amount of $1.2 billion designated as fair value hedges of specifically identified AFS securities. Fair value hedges of fixed-rate assets effectively convert certain fixed-rate financial assets to a floating rate on the hedged portion of the assets. Changes in fair value of derivatives designated as fair value hedges of fixed-rate financial assets were largely offset by changes in the value of the hedged assets, as presented in the schedules below. Cash Flow Hedges — For derivatives designated and qualifying as cash flow hedges, as long as the hedging relationship continues to qualify for hedge accounting, the entire change in the fair value of the hedging instrument is recorded in OCI and recognized in earnings, as the hedged transaction affects earnings. Ineffectiveness is not measured or separately disclosed. Gains or losses on derivatives designated as cash flow hedges are recognized in the same financial statement line item as the hedged transactions. We may use interest rate swaps, options, or a combination of options in our cash flow hedging strategy to eliminate or reduce the variability of interest receipts on floating-rate commercial loans and interest payments on floating-rate debt due to changes in any separately identifiable and reliably measurable contractual interest rate index. At December 31, 2024, we had receive-fixed interest rate swaps with an aggregate notional amount of $550 million designated as cash flow hedges of the variability of interest receipts on floating-rate commercial loans. At December 31, 2024, we had $94 million of net losses deferred in AOCI related to terminated cash flow hedges. Amounts deferred in AOCI from terminated cash flow hedges will be amortized into interest income on a straight-line basis through the original maturity dates of the hedges, provided the hedged forecasted transactions continue to be expected to occur. These amounts will be fully reclassified to interest income by the fourth quarter of 2027. Additionally, at December 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 interest payments on certain FHLB advances. Hedge Effectiveness — We assess the effectiveness of each hedging relationship by comparing the changes in fair value or cash flows on the derivative hedging instrument with the changes in fair value or cash flows on the designated hedged item or transactions for the risk being hedged. If a hedging relationship ceases to qualify for hedge accounting, the relationship is discontinued, and future changes in the fair value of the derivative instrument are recognized in current period earnings. For a discontinued or terminated fair value hedging relationship, all remaining basis adjustments to the carrying amount of the hedged item are amortized into interest income or expense over the remaining life of the hedged item, consistent with the amortization of other discounts or premiums. Previous balances deferred in AOCI from discontinued or terminated cash flow hedges are reclassified into interest income or expense as the hedged transactions affect earnings or over the originally specified term of the hedging relationship. Collateral and Credit Risk Credit risk arises from the possibility of nonperformance by counterparties. No significant losses on derivative instruments occurred during 2024 as a result of counterparty nonperformance. We manage our counterparty exposure for derivative contracts by centrally clearing all eligible derivatives and by executing dealer-facing derivative transactions with well-capitalized financial institutions. For derivatives that are not centrally cleared, the counterparties are typically financial institutions or our customers. For financial institution counterparties, we manage our credit exposure through the use of a Credit Support Annex (“CSA”) to an ISDA master agreement with each counterparty. Eligible collateral types are documented by the CSA and controlled under our general credit policies. Collateral and derivative exposure balances are typically monitored on a daily basis. At December 31, 2024, all variation margin posted or received pursuant to the collateral terms of a CSA was in cash. We generally satisfy initial margin requirements by posting securities when permitted by the terms of the CSA. We provide interest rate swaps to our customers to help them manage their exposure to fluctuations in interest rates. Upon issuance, these customer swaps are offset with closely matching derivative contracts to mitigate our interest rate risk exposure. The fee income from these customer swaps is included in “Capital markets fees” on the consolidated statement of income. We manage the credit risk associated with customer nonperformance through additional underwriting processes. These processes include modeling the credit risk exposure for the swap, utilizing shared collateral and guarantee protection applicable to the loan, and implementing credit approvals, limits, and monitoring procedures. We measure counterparty credit risk by calculating a CVA, which captures the value of nonperformance risk for both our customers and ourselves. Periodic changes in the net CVA are recorded in current period earnings and included in “Fair value and nonhedge derivative income or loss” on the consolidated statement of income. Our derivative contracts require us to pledge collateral for derivatives in a net liability position. Certain derivative contracts include credit risk-related contingent features, such as the requirement to maintain a minimum debt credit rating. If a credit risk-related feature were triggered, such as a downgrade of our credit rating, we may be required to pledge additional collateral. Historically, not all counterparties have demanded additional collateral when contractually permitted. At December 31, 2024, the fair value of our derivative liabilities was $350 million, for which we pledged approximately $3 million in cash collateral in the normal course of business to satisfy variation margin requirements. Additionally, we pledged $180 million in U.S. Treasuries to satisfy initial margin requirements with certain dealer counterparties and central clearing houses. If our credit rating were downgraded one notch by either Standard and Poor’s (“S&P”) or Moody’s at December 31, 2024, it is unlikely that additional collateral would be required to be pledged. Derivatives that are centrally cleared do not have credit risk-related features requiring additional collateral in the event of a credit rating downgrade. Derivative Amounts The following schedule presents derivative notional amounts and recorded gross fair values at December 31, 2024 and 2023: December 31, 2024 December 31, 2023 Notional Fair value Notional Fair value (In millions) Other Other Other Other Derivatives designated as hedging instruments: Cash flow hedges of floating-rate assets: Receive-fixed interest rate swaps $ 550 $ — $ 2 $ 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 500 — — — — — Asset hedges: Pay-fixed interest rate swaps 1 4,668 93 — 4,571 78 — Total derivatives designated as hedging instruments 6,218 93 2 6,521 78 — Derivatives not designated as hedging instruments: Customer interest rate derivatives 2 16,833 348 346 14,375 337 330 Other interest rate derivatives 1,105 1 — 1,001 1 — Foreign exchange derivatives 373 4 2 216 3 3 Purchased credit derivatives 24 — — 35 1 — Total derivatives not designated as hedging instruments 18,335 353 348 15,627 342 333 Total derivatives $ 24,553 $ 446 $ 350 $ 22,148 $ 420 $ 333 1 The notional amount includes forward-starting swaps that are not yet effective. 2 Customer interest rate derivatives include both customer-facing and offsetting dealer-facing derivatives. These derivatives include a net CVA of $9 million at both December 31, 2024 and December 31, 2023, which reduces the fair value. These adjustments are necessary to reflect our nonperformance risk as well as that of the respective counterparty. The following schedules present the amount of gains (losses) from derivative instruments designated as cash flow and fair value hedges that were deferred in AOCI or recognized in earnings for years ended December 31, 2024 and 2023: Year Ended December 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 Hedge ineffectiveness / AOCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Receive-fixed interest rate swaps $ (8) $ (126) $ — $ — Cash flow hedges of floating-rate liabilities: Pay-fixed interest rate swaps 4 8 — — Fair value hedges: 2 Debt hedges: Receive-fixed interest rate swaps — — (8) — Asset hedges: Pay-fixed interest rate swaps — — 88 (1) Total derivatives designated as hedging instruments $ (4) $ (118) $ 80 $ (1) Year Ended December 31, 2023 (In millions) Effective portion of derivative gain/(loss) deferred in AOCI Amount of gain/(loss) reclassified from AOCI into income Interest on fair value hedges Hedge ineffectiveness / AOCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Receive-fixed interest rate swaps $ 31 $ (170) $ — $ — Cash flow hedges of floating-rate liabilities: Pay-fixed interest rate swaps 4 5 — — Fair value hedges: 2 Debt hedges: Receive-fixed interest rate swaps — — (9) — Asset hedges: Pay-fixed interest rate swaps — — 58 — Total derivatives designated as hedging instruments $ 35 $ (165) $ 49 $ — 1 For the 12 months following December 31, 2024, we estimate that $63 million of net losses from active and terminated cash flow hedges will be reclassified from AOCI into interest income/expense, compared with an estimate of $118 million at December 31, 2023. 2 We had cumulative unamortized basis adjustments from terminated fair value hedges of debt totaling $39 million and $46 million at December 31, 2024 and 2023, respectively. Additionally, we had $3 million of cumulative unamortized basis adjustments from terminated fair value hedges of assets at both December 31, 2024 and 2023. Interest on fair value hedges presented above includes the amortization of the remaining unamortized basis adjustments. The following schedule presents the amount of gains (losses) recognized from derivatives not designated as accounting hedges: Other Noninterest (In millions) 2024 2023 Derivatives not designated as hedging instruments: Customer interest rate derivatives $ 30 $ 17 Other interest rate derivatives 1 4 Foreign exchange derivatives 29 29 Purchased credit derivatives — (1) Total derivatives not designated as hedging instruments $ 60 $ 49 The following schedule presents derivatives used in fair value hedge accounting relationships, along with the pre-tax gains/(losses) recorded on these derivatives and the related hedged items for the periods presented: Gain/(loss) recorded in income Twelve Months Ended Twelve Months Ended (In millions) Derivatives 2 Hedged items Total income statement impact Derivatives 2 Hedged items Total income statement impact Fair value hedges: Debt: Receive-fixed interest rate swaps 1,2 $ (7) $ 7 $ — $ 14 $ (14) $ — Assets: Pay-fixed interest rate swaps 1,2 108 (109) (1) (22) 22 — 1 Includes hedges of benchmark interest rate risk for fixed-rate long-term debt, fixed-rate AFS securities and fixed-rate commercial loans. Gains and losses were recorded in interest expense or income consistent with the hedged items. 2 The income/expense for derivatives does not reflect interest income/expense from periodic accruals and payments, to maintain consistency with the presentation of the gains/(losses) on the hedged items. Periodic interest income/expense for fair value hedges is shown in a separate schedule above. The following schedule presents information regarding basis adjustments for hedged items in fair value hedging relationships: Par value of hedged assets/(liabilities) Carrying amount of the hedged assets/(liabilities) Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets/(liabilities) (In millions) 2024 2023 2024 2023 2024 2023 Fair value hedges: Debt: Receive-fixed interest rate swaps 1 $ (500) $ — $ (493) $ — $ 7 $ — Assets: Pay-fixed interest rate swaps 1,2 11,388 12,389 11,099 12,209 (289) (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 Includes the amortized cost basis of defined portfolios of AFS securities and commercial loans used to designate hedging relationships, where the hedged item is the stated amount of assets in the defined portfolio anticipated to be outstanding for the designated hedged period. At December 31, 2024, the amortized cost basis of the defined portfolios used in these hedging relationships was $10.2 billion; the cumulative basis adjustment associated with these hedging relationships was $41 million, and the notional amounts of the designated hedging instruments were $3.5 billion.

LEASES

LEASES	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
LEASES	LEASES We have operating and finance leases for branches, data centers, and corporate offices, including our headquarters in Salt Lake City, Utah. At December 31, 2024, we had 404 branches, with 275 owned and 129 leased. The remaining maturities of our lease commitments range from the year 2025 to 2062, with some lease arrangements including 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 include ROU assets for operating leases and finance leases in “ Other assets Premises, equipment and software, net Other liabilities Long-term debt, ROU assets and related lease liabilities reflect the present value of the future minimum lease payments over the lease term at commencement date. Since most of our leases do not provide an implicit rate, we use our secured incremental borrowing rate, which is commensurate with the lease term, to calculate the present value of future payments. The ROU asset also includes any lease prepayments, initial direct costs, amortization, and certain nonlease components, such as maintenance, utilities, or tax payments. Our lease terms incorporate options to extend or terminate the lease when it is reasonably certain that we will exercise these options. The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate: December 31, (Dollar amounts in millions) 2024 2023 Operating leases ROU assets, net of amortization $ 188 $ 172 Lease liabilities 240 198 Finance leases ROU assets, net of amortization 3 3 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 9.9 8.7 Finance leases 15.6 16.5 Weighted average discount rate Operating leases 3.8 % 3.4 % Finance leases 3.1 % 3.1 % The following schedule presents additional information related to lease expense: Year Ended December 31, (In millions) 2024 2023 2022 Lease expense: Operating lease expense $ 40 $ 43 $ 46 Other expenses associated with operating leases 1 62 60 51 Total lease expense $ 102 $ 103 $ 97 Related cash disbursements for operating leases $ 43 $ 49 $ 50 1 Other expenses primarily include property taxes and building and property maintenance. The following schedule presents the total contractual undiscounted lease payments for operating lease liabilities by expected due date for each of the next five years: (In millions) Total undiscounted lease payments 2025 $ 40 2026 36 2027 27 2028 28 2029 25 Thereafter 140 Total lease payments 296 Less imputed interest 56 Total $ 240 We enter into certain lease agreements where we are the lessor of real estate. These leases involve bank-owned and subleased properties to generate cash flow, including leasing vacant suites within buildings we partially occupy. Operating lease income totaled $13 million in 2024, and $14 million in both 2023 and 2022. We originated equipment leases, classified as sales-type leases or direct-financing leases, totaling $377 million and $383 million at December 31, 2024 and 2023, respectively. We recorded income of $18 million , $16 million, and $12 million from these leases during 2024, 2023, and 2022, respectively.
LEASES	LEASES We have operating and finance leases for branches, data centers, and corporate offices, including our headquarters in Salt Lake City, Utah. At December 31, 2024, we had 404 branches, with 275 owned and 129 leased. The remaining maturities of our lease commitments range from the year 2025 to 2062, with some lease arrangements including 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 include ROU assets for operating leases and finance leases in “ Other assets Premises, equipment and software, net Other liabilities Long-term debt, ROU assets and related lease liabilities reflect the present value of the future minimum lease payments over the lease term at commencement date. Since most of our leases do not provide an implicit rate, we use our secured incremental borrowing rate, which is commensurate with the lease term, to calculate the present value of future payments. The ROU asset also includes any lease prepayments, initial direct costs, amortization, and certain nonlease components, such as maintenance, utilities, or tax payments. Our lease terms incorporate options to extend or terminate the lease when it is reasonably certain that we will exercise these options. The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate: December 31, (Dollar amounts in millions) 2024 2023 Operating leases ROU assets, net of amortization $ 188 $ 172 Lease liabilities 240 198 Finance leases ROU assets, net of amortization 3 3 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 9.9 8.7 Finance leases 15.6 16.5 Weighted average discount rate Operating leases 3.8 % 3.4 % Finance leases 3.1 % 3.1 % The following schedule presents additional information related to lease expense: Year Ended December 31, (In millions) 2024 2023 2022 Lease expense: Operating lease expense $ 40 $ 43 $ 46 Other expenses associated with operating leases 1 62 60 51 Total lease expense $ 102 $ 103 $ 97 Related cash disbursements for operating leases $ 43 $ 49 $ 50 1 Other expenses primarily include property taxes and building and property maintenance. The following schedule presents the total contractual undiscounted lease payments for operating lease liabilities by expected due date for each of the next five years: (In millions) Total undiscounted lease payments 2025 $ 40 2026 36 2027 27 2028 28 2029 25 Thereafter 140 Total lease payments 296 Less imputed interest 56 Total $ 240 We enter into certain lease agreements where we are the lessor of real estate. These leases involve bank-owned and subleased properties to generate cash flow, including leasing vacant suites within buildings we partially occupy. Operating lease income totaled $13 million in 2024, and $14 million in both 2023 and 2022. We originated equipment leases, classified as sales-type leases or direct-financing leases, totaling $377 million and $383 million at December 31, 2024 and 2023, respectively. We recorded income of $18 million , $16 million, and $12 million from these leases during 2024, 2023, and 2022, respectively.
LEASES	LEASES We have operating and finance leases for branches, data centers, and corporate offices, including our headquarters in Salt Lake City, Utah. At December 31, 2024, we had 404 branches, with 275 owned and 129 leased. The remaining maturities of our lease commitments range from the year 2025 to 2062, with some lease arrangements including 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 include ROU assets for operating leases and finance leases in “ Other assets Premises, equipment and software, net Other liabilities Long-term debt, ROU assets and related lease liabilities reflect the present value of the future minimum lease payments over the lease term at commencement date. Since most of our leases do not provide an implicit rate, we use our secured incremental borrowing rate, which is commensurate with the lease term, to calculate the present value of future payments. The ROU asset also includes any lease prepayments, initial direct costs, amortization, and certain nonlease components, such as maintenance, utilities, or tax payments. Our lease terms incorporate options to extend or terminate the lease when it is reasonably certain that we will exercise these options. The following schedule presents ROU assets and lease liabilities with associated weighted average remaining life and discount rate: December 31, (Dollar amounts in millions) 2024 2023 Operating leases ROU assets, net of amortization $ 188 $ 172 Lease liabilities 240 198 Finance leases ROU assets, net of amortization 3 3 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 9.9 8.7 Finance leases 15.6 16.5 Weighted average discount rate Operating leases 3.8 % 3.4 % Finance leases 3.1 % 3.1 % The following schedule presents additional information related to lease expense: Year Ended December 31, (In millions) 2024 2023 2022 Lease expense: Operating lease expense $ 40 $ 43 $ 46 Other expenses associated with operating leases 1 62 60 51 Total lease expense $ 102 $ 103 $ 97 Related cash disbursements for operating leases $ 43 $ 49 $ 50 1 Other expenses primarily include property taxes and building and property maintenance. The following schedule presents the total contractual undiscounted lease payments for operating lease liabilities by expected due date for each of the next five years: (In millions) Total undiscounted lease payments 2025 $ 40 2026 36 2027 27 2028 28 2029 25 Thereafter 140 Total lease payments 296 Less imputed interest 56 Total $ 240 We enter into certain lease agreements where we are the lessor of real estate. These leases involve bank-owned and subleased properties to generate cash flow, including leasing vacant suites within buildings we partially occupy. Operating lease income totaled $13 million in 2024, and $14 million in both 2023 and 2022. We originated equipment leases, classified as sales-type leases or direct-financing leases, totaling $377 million and $383 million at December 31, 2024 and 2023, respectively. We recorded income of $18 million , $16 million, and $12 million from these leases during 2024, 2023, and 2022, respectively.

PREMISES, EQUIPMENT AND SOFTWAR

PREMISES, EQUIPMENT AND SOFTWARE	12 Months Ended
	Dec. 31, 2024
Property, Plant and Equipment [Abstract]
PREMISES, EQUIPMENT AND SOFTWARE	PREMISES, EQUIPMENT, AND SOFTWARE Premises, equipment, and software are reported at cost, net of accumulated depreciation and amortization. Depreciation, primarily calculated using the straight-line method, is allocated to operations over the estimated useful lives of the assets: generally 25 to 40 years for buildings, three three The following schedule presents the components of our premises, equipment, and software, including the accumulated depreciation and amortization: (In millions) December 31, 2024 2023 Land $ 284 $ 269 Buildings 980 959 Furniture and equipment 337 336 Leasehold improvements 139 137 Software 585 749 Total premises, equipment, and software 1 2,325 2,450 Less accumulated depreciation and amortization 959 1,050 Net book value $ 1,366 $ 1,400 1 The totals for 2024 and 2023 include $51 million and $40 million, respectively, of capitalized costs that are not yet depreciating, as the respective assets have not been placed in service.

GOODWILL AND OTHER INTANGIBLE A

GOODWILL AND OTHER INTANGIBLE ASSETS	12 Months Ended
	Dec. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND OTHER INTANGIBLE ASSETS	GOODWILL AND OTHER INTANGIBLE ASSETS Goodwill is recorded upon the completion of a business combination as the difference between the purchase price and the fair value of the net assets acquired. We perform an evaluation annually as of October 1, or more frequently if events or circumstances indicate that the carrying value exceeds fair value. We may elect to perform a qualitative analysis to determine if it is more likely than not that the fair value of our reporting unit is less than its carrying amount. If the carrying amount is more likely than not to exceed its fair value, additional quantitative analysis is performed to determine the amount of goodwill impairment. If the fair value is less than the carrying value, an impairment is recorded for the difference. During the fourth quarter of 2024, we performed our annual goodwill impairment evaluation utilizing a qualitative analysis. During the fourth quarter of 2023, we performed a full quantitative analysis. Based on our evaluations conducted in 2024 and 2023, the goodwill at our reporting units was not impaired. The following schedule presents the carrying amount of goodwill for our business segments with goodwill, as well as the balance of our core deposits and other intangible assets, net of related accumulated amortization: December 31, (In millions) 2024 2023 Goodwill: Amegy $ 615 $ 615 CB&T 379 379 Zions Bank 20 20 Nevada State Bank 13 13 Total goodwill 1,027 1,027 Core deposits and other intangibles, net of accumulated amortization 25 32 Total goodwill and intangibles $ 1,052 $ 1,059

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2024
Deposits [Abstract]
DEPOSITS	DEPOSITS The following schedule presents the composition of our deposits: December 31, (Dollar amounts in millions) 2024 2023 Noninterest-bearing demand $ 24,704 $ 26,244 Interest-bearing: Savings and money market 40,037 38,721 Time 11,482 9,996 Total deposits $ 76,223 $ 74,961 The following schedule presents the aggregate amount of all time deposits by maturity at December 31, 2024: (In millions) December 31, 2024 2025 $ 11,327 2026 88 2027 29 2028 18 2029 19 Thereafter 1 Total $ 11,482 The following schedule presents the amount of time deposits that exceed $250,000 by scheduled maturity at December 31, 2024: (In millions) December 31, 2024 Three months or less $ 1,287 After three months through six months 1,160 After six months through twelve months 391 After twelve months 47 Total $ 2,885 Deposit overdrafts reclassified as loans totaled $8 million and $11 million at December 31, 2024 and 2023, respectively.

SHORT-TERM BORROWINGS

SHORT-TERM BORROWINGS	12 Months Ended
	Dec. 31, 2024
Short-Term Debt [Abstract]
SHORT-TERM BORROWINGS	SHORT-TERM BORROWINGS The following schedule presents selected information for FHLB advances and other short-term borrowings: (Dollar amounts in millions) 2024 2023 Federal Home Loan Bank advances Average amount outstanding $ 1,665 $ 4,208 Average rate 4.89 % 5.73 % Highest month-end balance $ 2,525 $ 11,525 Year-end balance 2,525 1,525 Average rate on outstanding advances at year-end 4.78 % 5.59 % Other short-term borrowings, year-end balances Federal funds purchased $ 108 $ 597 Security repurchase agreements 764 1,814 Securities sold, not yet purchased 20 65 Swap margin collateral received 415 378 Total federal funds and other short-term borrowings $ 3,832 $ 4,379 We pledge loans and investment securities as collateral for current and potential borrowings. We may borrow from the FHLB under lines of credit secured by blanket pledge arrangements. We maintain collateral with carrying amounts adjusted for the types of collateral pledged, ensuring they equal at least 100% of the outstanding advances. Additionally, we may borrow from the Federal Reserve Board (“FRB”) based on the amount of collateral pledged. A significant portion of these pledged assets are unencumbered, but are pledged to provide immediate access to contingency sources of funds. At December 31, 2024, our remaining FHLB and FRB collateralized borrowing capacity was $12.0 billion and $17.7 billion, respectively, compared with $15.0 billion and $9.8 billion at December 31, 2023. Federal funds purchased and security repurchase agreements generally mature in less than 30 days. We execute overnight repurchase agreements with sweep accounts in conjunction with a master repurchase agreement. In such cases, securities under our control are pledged, and interest is paid on the collected balance of the customers’ accounts. For nonsweep overnight and term repurchase agreements, securities are transferred to the applicable counterparty. In certain instances, the counterparty is contractually entitled to sell or repledge securities accepted as collateral. At December 31, 2024, nearly all security repurchase agreements were overnight term accounts.

LONG-TERM DEBT

LONG-TERM DEBT	12 Months Ended
	Dec. 31, 2024
Long-Term Debt, Unclassified [Abstract]
LONG-TERM DEBT	LONG-TERM DEBT The following schedule presents the components of our long-term debt: December 31, (In millions) 2024 2023 Subordinated notes $ 946 $ 538 Finance lease obligations 4 4 Total $ 950 $ 542 Long-term debt carrying values include the par value of the debt, adjusted for any unamortized premium or discount, unamortized debt issuance costs, and fair value hedge basis adjustments. The increase in long-term debt from the prior year was primarily due to the issuance of $500 million of 6.82% Fixed-to-Floating Subordinated Notes due 2035, partially offset by the redemption of $88 million of 6.95% Fixed-to-Floating Subordinated Notes due 2028, during the fourth quarter of 2024. During the fourth quarter of 2024, we entered into a receive-fixed interest rate swap designated as a hedge of the $500 million subordinated notes maturing in November 2035. In 2023, we terminated a receive-fixed interest rate swap designated as a hedge of the $500 million subordinated notes maturing in October 2029. The remaining unamortized hedge basis adjustment from the terminated hedging relationship is amortized into earnings through the contractual maturity date of the hedged notes. The carrying values include any unamortized hedge basis adjustments. See Note 7 for more information on derivatives designated as qualifying hedges. Subordinated Notes The following schedule presents our subordinated notes outstanding at December 31, 2024: (Dollar amounts in millions) Subordinated notes Coupon rate Carrying value Par amount Maturity 3.25% $ 458 $ 500 October 2029 6.82% 488 500 November 2035 Total $ 946 $ 1,000 The 3.25% subordinated notes are unsecured, interest is payable semi-annually, and the earliest redemption date is July 29, 2029. The 6.82% subordinated notes are unsecured, with interest payable semi-annually during the fixed-rate period ; the earliest redemption date for these notes is November 19, 2034, after which the interest rate changes to an annual floating rate equal to compounded SOFR + 2.83%, payable quarterly. Maturities of Long-term Debt The following schedule presents the carrying value of our long-term debt by maturity for each of the next five years: December 31, 2024 (In millions) 2025 2026 2027 2028 2029 Thereafter Total Subordinated notes $ — $ — $ — $ — $ 458 $ 488 $ 946 Finance lease obligations — — — — — 4 4 Total $ — $ — $ — $ — $ 458 $ 492 $ 950

SHAREHOLDERS' EQUITY

SHAREHOLDERS' EQUITY	12 Months Ended
	Dec. 31, 2024
Equity [Abstract]
SHAREHOLDERS' EQUITY	SHAREHOLDERS’ EQUITY Preferred Stock We have 4.4 million authorized shares of preferred stock without par value, each with a liquidation preference of $1,000 per share, or $25 per depositary share. Except for Series I and J, all preferred shares were issued in the form of depositary shares, with each depositary share representing a 1/40 th ownership interest in a share of the preferred stock. All outstanding preferred shares are registered with the Securities and Exchange Commission (“SEC”). Additionally, Series A preferred shares are listed and traded on the National Association of Securities Dealers Automated Quotations (“NASDAQ”) Global Select Market. Preferred shareholders generally receive asset distributions before common shareholders; however, they have only limited voting rights. Preferred stock dividends reduce earnings applicable to common shareholders and are paid on the 15th day of the months indicated in the following schedule, subject to Board approval. The preferred shares are redeemable at our option after the expiration of any applicable redemption restrictions. The redemption amount is calculated at the per share liquidation preference plus any declared but unpaid dividends. Redemptions are subject to certain regulatory provisions, including satisfying well-capitalized minimum requirements. The following schedule presents the components of our preferred stock: (Dollar amounts in millions) Carrying value at Shares at Dividends payable Earliest 2024 2023 Authorized Outstanding Rate Series A $ 66 $ 66 140,000 66,139 > of 4.0% or 3M Term SOFR + 0.78% Qtrly Mar, Jun, Sep, Dec Dec 15, 2011 Series G — 139 200,000 — annual floating rate = 3M Term SOFR + 4.50% Qtrly Mar, Jun, Sep, Dec N/A Series I — 99 300,893 — annual floating rate = 3M Term SOFR + 4.06% Qtrly Mar, Jun, Sep, Dec N/A Series J — 136 195,152 — annual floating rate = 3M Term SOFR + 4.70% Qtrly Mar, Jun, Sep, Dec N/A Total $ 66 $ 440 Preferred Stock Redemption In December 2024, we fully redeemed the outstanding shares of our Series G, I, and J preferred stock. The redemption resulted in a one-time reduction to net earnings applicable to common shareholders of approximately $6 million, arising from the recognition of capitalized preferred stock issuance costs. At December 31, 2024, 66,139 shares of Series A preferred stock were outstanding. At December 31, 2023, 66,139, 138,390, 98,555, and 136,368 of preferred shares series A, G, I, and J respectively, were outstanding. Common Stock Our common stock is traded on the NASDAQ Global Select Market. At December 31, 2024, we had 147.9 million shares of $0.001 par common stock outstanding. The balance of common stock and additional paid-in-capital was $1.7 billion at December 31, 2024, and increased $6 million , or less than 1% , from the prior year. 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. We did not repurchase common shares during the second, third, or fourth quarters of 2024. In 2023, we repurchased 0.9 million common shares outstanding for $50 million at an average price of $52.82. These repurchased amounts do not include certain insignificant balances related to the common shares acquired in connection with our stock compensation plan, which were acquired from employees to cover their payroll taxes and stock option exercise costs upon the exercise of stock options. In February 2025, we received the necessary approvals to repurchase up to $40 million of common shares outstanding during the fiscal year 2025. Accumulated Other Comprehensive Income The AOCI balance was a loss of $2.4 billion at December 31, 2024, an improvement of $312 million when compared with December 31, 2023, and largely reflects a decline in the fair value of fixed-rate AFS securities as a result of changes in interest rates. The following schedule presents the changes in AOCI: (In millions) Net unrealized gains (losses) on investment securities Net unrealized gains (losses) on derivatives and other Pension and post-retirement Total 2024 Balance at December 31, 2023 $ (2,526) $ (165) $ (1) $ (2,692) Other comprehensive income before reclassifications, net of tax 31 (2) — 29 Amounts reclassified from AOCI, net of tax 194 89 — 283 Other comprehensive income 225 87 — 312 Balance at December 31, 2024 $ (2,301) $ (78) $ (1) $ (2,380) Income tax expense included in other comprehensive income $ 74 $ 28 $ — $ 102 2023 Balance at December 31, 2022 $ (2,800) $ (311) $ (1) $ (3,112) Other comprehensive income before reclassifications, net of tax 66 22 — 88 Amounts reclassified from AOCI, net of tax 208 124 — 332 Other comprehensive income 274 146 — 420 Balance at December 31, 2023 $ (2,526) $ (165) $ (1) $ (2,692) Income tax expense included in other comprehensive income $ 90 $ 47 $ — $ 137 (In millions) Amounts reclassified from AOCI Affected line item AOCI components 2024 2023 2022 Net unrealized losses on investment securities $ (257) $ (276) $ (53) Securities gains (losses), net Less: Income tax expense benefit (63) (68) (13) $ (194) $ (208) $ (40) Net unrealized losses on derivative instruments $ (118) $ (165) $ (27) Interest and fees on loans; Interest on short- and long-term borrowings Less: Income tax benefit (29) (41) (6) $ (89) $ (124) $ (21) Deferred Compensation Deferred compensation consists of invested assets, including our common stock, held in rabbi trusts for certain employees and directors. The fair value of our common stock was approximately $19 million at both December 31, 2024 and 2023. We consolidate the rabbi trust assets and liabilities and include them in “Other assets” and “Other liabilities” on the consolidated balance sheet, respectively. At December 31, 2024 and 2023, associated trust assets totaled approximately $149 million and $124 million , and trust liabilities totaled approximately $168 million and $143 million, respectively.

REGULATORY MATTERS

REGULATORY MATTERS	12 Months Ended
	Dec. 31, 2024
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
REGULATORY MATTERS	REGULATORY MATTERS We are subject to various regulatory capital requirements administered by federal banking agencies. Failure to meet these minimum capital requirements can initiate certain mandatory, and possibly additional discretionary, actions by regulators that could materially impact our financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, we must adhere to specific capital guidelines involving quantitative measures of our assets, liabilities, and certain off-balance sheet items, as calculated under regulatory accounting practices. At December 31, 2024 and 2023, we exceeded all capital adequacy requirements under the Basel III capital rules. Regulatory measures for capital adequacy require us to maintain minimum amounts and ratios of common equity Tier 1 (“CET1”) to risk-weighted assets, Tier 1 capital (as defined in the regulations), total capital, and Tier 1 capital to average assets (Tier 1 leverage ratio). “Well-capitalized” levels are also published as benchmarks for evaluating capital positions. At December 31, 2024 and 2023, all of our capital amounts and ratios exceeded the “well-capitalized” levels under the regulatory framework for prompt corrective action. Dividends declared by us may not exceed specified criteria unless otherwise approved by our regulators. When determining dividends, we consider current and historical earnings levels, retained earnings, and risk-based and other regulatory capital requirements and limitations. Our internal stress tests seek to comprehensively measure all risks to which we are exposed, the potential losses from those risk exposures under adverse scenarios, and our resulting capital levels. These stress tests subject our balance sheet and other risk characteristics to thorough analysis using our own models. The following schedule presents our capital amounts and ratios and the minimum requirements to be well capitalized under Basel III at December 31, 2024 and 2023: (Dollar amounts in millions) December 31, 2024 Minimum requirement to be “well capitalized” Amount Ratio Amount Ratio Basel III Regulatory Capital Amounts and Ratios Common equity Tier 1 capital (to risk-weighted assets) $ 7,363 10.9 % $ 4,400 6.5 % Tier 1 risk-based capital (to risk-weighted assets) 7,430 11.0 5,415 8.0 Total risk-based capital (to risk-weighted assets) 9,026 13.3 6,769 10.0 Tier 1 leverage ratio 7,430 8.3 4,454 5.0 December 31, 2023 Minimum requirement to be “well capitalized” (Dollar amounts in millions) Amount Ratio Amount Ratio Basel III Regulatory Capital Amounts and Ratios Common equity Tier 1 capital (to risk-weighted assets) $ 6,863 10.3 % $ 4,351 6.5 % Tier 1 risk-based capital (to risk-weighted assets) 7,303 10.9 5,355 8.0 Total risk-based capital (to risk-weighted assets) 8,553 12.8 6,693 10.0 Tier 1 leverage ratio 7,303 8.3 4,379 5.0 The Basel III capital rules require us to maintain certain minimum capital ratios, as well as a 2.5% “capital conservation buffer,” designed to absorb losses during periods of economic stress. This buffer is composed entirely of CET1. The following schedule presents the minimum capital ratios and capital conservation buffer requirements, compared with our capital ratios at December 31, 2024: December 31, 2024 Minimum capital requirement Capital conservation buffer Minimum capital ratio requirement with capital conservation buffer Current capital CET1 to risk-weighted assets 4.5% 2.5% 7.0% 10.9% Tier 1 risk-based capital (i.e., CET1 plus additional Tier 1 capital) to risk-weighted assets 6.0% 2.5% 8.5% 11.0% Total risk-based capital (i.e., Tier 1 capital plus Tier 2 capital) to risk-weighted assets 8.0% 2.5% 10.5% 13.3% Tier 1 leverage ratio 4.0% N/A 4.0% 8.3% Financial institutions with a CET1 to risk-weighted assets ratio above the minimum, but below the capital conservation buffer, face constraints on dividends, equity repurchases, and compensation based on the amount of the shortfall. Our internal triggers and limits, both under actual conditions and baseline projections, are more stringent than the capital conservation buffer requirements.

COMMITMENTS, GUARANTEES, CONTIN

COMMITMENTS, GUARANTEES, CONTINGENT LIABILITIES, AND RELATED PARTIES	12 Months Ended
	Dec. 31, 2024
Guarantees, Commitments And Contingencies [Abstract]
COMMITMENTS, GUARANTEES, CONTINGENT LIABILITIES, AND RELATED PARTIES	COMMITMENTS, GUARANTEES, CONTINGENT LIABILITIES, AND RELATED PARTIES Commitments and Guarantees We utilize various financial instruments, including loan commitments, commercial letters of credit, and standby letters of credit, to meet our customers’ financing needs. They involve varying degrees of credit, liquidity, and interest rate risk beyond the amounts presented on the consolidated balance sheet. The credit risk associated with these commitments is assessed similarly to the ALLL. The RULC is presented separately on the consolidated balance sheet. The following schedule presents the contractual amounts related to off-balance sheet financial instruments used to meet our customers’ financing needs: December 31, (In millions) 2024 2023 Unfunded lending commitments 1 $ 28,767 $ 28,940 Standby letters of credit: Financial 574 548 Performance 262 206 Commercial letters of credit 15 22 Mortgage-backed security purchase agreements 2 — 66 Total unfunded commitments $ 29,618 $ 29,782 1 Net of participations. 2 Represents agreements with Farmer Mac to purchase securities backed by certain agricultural mortgage loans. Loan commitments are agreements to lend to a customer subject to specified conditions. These commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. The amount of collateral obtained, if deemed necessary upon extension of credit, is based on our initial credit evaluation of the counterparty. Types of collateral vary and may include accounts receivable, inventory, property, plant and equipment, and income-producing properties. While making loan commitments exposes us to credit risk, a significant portion of such commitments is expected to expire without being drawn upon. At December 31, 2024, we had $8.2 billion of commitments scheduled to expire in 2025. We apply the same credit policies and procedures to loan commitments and conditional obligations as we do for on-balance sheet instruments, including credit approvals, limits, and ongoing monitoring. We issue standby and commercial letters of credit as conditional commitments to guarantee a customer's performance to a third party. These guarantees primarily support public and private borrowing arrangements, such as commercial paper, bond financing, and similar transactions. At December 31, 2024, standby letters of credit totaled $836 million, and are set to expire in 2025. The credit risk involved in issuing letters of credit is equivalent to that of extending credit to customers, and we generally hold marketable securities and cash equivalents as collateral. Certain mortgage loans sold have limited recourse provisions for periods ranging from three months to one year. The losses resulting from the exercise of these provisions have not been significant. Legal Matters We are involved in various legal proceedings or governmental inquiries, which may include litigation in court, arbitral proceedings, investigations, examinations, and other actions initiated or considered by governmental and self-regulatory agencies. Litigation may pertain to lending, deposit and other customer relationships, supplier and contractual issues, employee matters, intellectual property matters, personal injuries and torts, regulatory and legal compliance, and other matters. While most matters involve individual claims, we are also subject to putative class action claims and similar broader claims. Proceedings, investigations, examinations, and other actions initiated 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 concerning such customer activities. Additionally, these actions may pertain to our compliance with the broad range of banking, securities and other applicable laws and regulations. At any given time, we may be responding to subpoenas, requests for documents, data, and testimony relating to these matters and engaging in discussions to resolve them. At December 31, 2024, we were subject to the following material litigation: • Two civil cases, Lifescan Inc. and Johnson & Johnson Health Care Services v. Jeffrey C. Smith, et. al. , brought against us in the United States District Court for the District of New Jersey in December 2017, and Roche Diagnostics and Roche Diabetes Care Inc. v. Jeffrey C. Smith, et. al. , brought against us in the United States District Court for the District of New Jersey in March 2019. In these cases, certain manufacturers and distributors of medical products seek to hold us liable for allegedly fraudulent practices of a borrower of the Bank who filed for bankruptcy protection in 2017. During 2024, discovery was substantially completed for most parties in both cases. However, rulings on certain dispositive motions remain outstanding, and other dispositive motions have yet to be filed or ruled upon. No trial dates have been set for either case. • In the matter of Streck and Ariza v. Zions Bancorporation, N.A. , an arbitration matter pending before the American Arbitration Association, related to an employment dispute brought by two former employees alleging damages arising from claims of alleged gender discrimination, retaliation, and constructive discharge. The case is in the final hearing phase. At least quarterly, we review both outstanding and new legal matters utilizing the latest information available. If we determine that a loss from a matter is probable and can be reasonably estimated, we establish an accrual for the best estimate of the loss. If no amount within a range of probable losses is a better estimate than any other amount within the range, we establish an accrual for the minimum amount in that range. For matters where a loss is not probable, we do not establish an accrual. Once established, accruals are adjusted to reflect any developments related to the matters. In our review, we also assess whether we can determine the range of reasonably possible losses for significant matters where the likelihood of a loss is not remote. Due to the difficulty of predicting the outcome of legal matters, discussed subsequently, we can meaningfully estimate such a range for only a limited number of cases. Based on information available at December 31, 2024, we estimated that the aggregate range of reasonably possible losses for these matters is between zero and approximately $10 million in excess of amounts accrued. The matters underlying this estimated range will change over time, and actual results may vary significantly from this estimate. Matters for which a meaningful estimate is not possible are not included within this estimated range; 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, as reflected in our accruals and determined in accordance with applicable accounting guidance, is adequate. We also believe that any liabilities in excess of the amounts currently accrued, if any, arising from litigation and other legal actions and claims for which an estimate is possible, will not have a material impact on our financial condition, results of operations, or cash flows. However, given the significant uncertainties involved in these matters, and the potentially large or indeterminate damages sought in some cases, an adverse outcome in one or more of these matters could materially affect our financial condition, results of operations, or cash flows for any given reporting period. Any estimate or determination regarding the future resolution of litigation, arbitration, governmental or self-regulatory examinations, investigations, 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 fully articulated, reviewed, analyzed, and vetted through discovery, trial or hearing preparation, substantive and productive mediation or settlement discussions, or other actions. It is also especially true for class actions and similar claims involving multiple defendants, matters with complex procedural requirements or substantive issues, novel legal theories, and examinations, investigations, and other actions conducted or brought by governmental and self-regulatory agencies, where the normal adjudicative process is not applicable. As a result, we are often 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. Consequently, our judgments and estimates relating to claims will change over time in light of developments, and actual outcomes will differ from our estimates. These differences may be material. Related Party Transactions We have no material related party transactions requiring disclosure. In the ordinary course of business, we extend credit to related parties, including executive officers, directors, principal shareholders, and their associates and related interests. These related party loans are made in compliance with applicable banking regulations.

REVENUE RECOGNITION

REVENUE RECOGNITION	12 Months Ended
	Dec. 31, 2024
Revenue Recognition and Deferred Revenue [Abstract]
REVENUE RECOGNITION	REVENUE FROM CONTRACTS WITH CUSTOMERS Noninterest income and revenue from contracts with customers are recognized when control of the promised goods or services is transferred to our customers, in an amount that reflects the consideration to which we expect to be entitled in exchange for those goods or services. The incremental cost of obtaining a contract is recorded as an expense when incurred, provided the amortization period of the related asset is one year or less. For performance obligations satisfied over time, if we have the right to consideration from a customer that corresponds directly with the value of our performance completed to date, we generally recognize revenue in the amount to which we have the right to invoice. We generally do not disclose information about our remaining performance obligations for those obligations with an original expected duration of one year or less, or where revenue is recognized in the amount to which we have a right to invoice. The following describes our revenue from contracts with customers: Commercial Account Fees Commercial account fee income consists primarily of account analysis fees, merchant fees, and payroll services income. Revenue is recognized as the services are rendered or upon their completion. Card Fees Card fee income primarily includes interchange fees from credit and debit cards, net fees earned from processing card transactions for merchants, and automated teller machine (“ATM”) services. Revenue from card fees is recognized as it is earned. Retail and Business Banking Fees Retail and business banking fees generally consist of fees for providing customers with deposit services. These fees primarily include insufficient funds fees, noncustomer ATM charges, and various other fees on deposit accounts. Service charges on deposit accounts include fees earned in lieu of compensating balances, as well as fees for performing cash management and other deposit account services. These service charges are recognized over the period in which the related service is provided. Treasury management fees are billed monthly based on services rendered during the month. Capital Markets Fees Capital markets fees primarily include fees associated with municipal advisory, securities underwriting, and investment banking advisory services provided to customers. Revenue is recognized either as the services are rendered or upon their completion. Wealth Management Fees Wealth management fees primarily consist of wealth management commissions, along with other portfolio and advisory services. Revenue is recognized as the services are rendered or upon their completion. Financial planning, fiduciary, and estate services generally have performance obligations extending beyond 12 months, although the amount of future performance obligations is not significant. Other Customer-related Fees Other customer-related fees generally include miscellaneous income sources, including fees associated with compliance and support services to pharmacies and healthcare providers, corporate trust fees, other advisory and referral fees, and fees for claims and inventory management services for certain customers. Revenue is recognized as the services are rendered or upon their completion. Disaggregation of Revenue The following schedule presents revenue from contracts with customers and provides a reconciliation to total noninterest income by operating business segment. Customer-related noninterest income from other sources represents revenue from customers that falls outside the scope of the applicable accounting guidance for revenue from contracts with customers. Zions Bank CB&T Amegy (In millions) 2024 2023 2022 2024 2023 2022 2024 2023 2022 Commercial account fees $ 57 $ 55 $ 53 $ 31 $ 32 $ 28 $ 59 $ 56 $ 46 Card fees 1 50 52 55 19 21 20 31 31 33 Retail and business banking fees 19 19 22 11 11 12 14 14 16 Capital markets fees 2 1 — — 1 — — 3 — — Wealth management fees 21 23 22 4 4 4 18 17 15 Other customer-related fees 9 8 8 8 7 6 6 7 7 Total noninterest income from contracts with customers 157 157 160 74 75 70 131 125 117 Customer-related noninterest income from other sources 24 24 19 39 35 34 34 37 40 Total customer-related noninterest income 181 181 179 113 110 104 165 162 157 Noncustomer-related noninterest income 6 11 5 8 6 4 10 22 1 Total noninterest income $ 187 $ 192 $ 184 $ 121 $ 116 $ 108 $ 175 $ 184 $ 158 NBAZ NSB Vectra (In millions) 2024 2023 2022 2024 2023 2022 2024 2023 2022 Commercial account fees $ 11 $ 10 $ 9 $ 13 $ 12 $ 11 $ 7 $ 7 $ 8 Card fees 1 15 15 15 16 16 15 10 9 9 Retail and business banking fees 9 8 9 10 10 10 3 4 4 Capital markets fees 2 — — — — — — — — — Wealth management fees 3 3 3 6 5 5 2 1 1 Other customer-related fees 1 1 2 1 1 1 5 4 3 Total noninterest income from contracts with customers 39 37 38 46 44 42 27 25 25 Customer-related noninterest income from other sources 4 2 8 2 1 6 2 3 6 Total customer-related noninterest income 43 39 46 48 45 48 29 28 31 Noncustomer-related noninterest income — 1 2 4 — — — — — Total noninterest income $ 43 $ 40 $ 48 $ 52 $ 45 $ 48 $ 29 $ 28 $ 31 TCBW Other Consolidated Bank (In millions) 2024 2023 2022 2024 2023 2022 2024 2023 2022 Commercial account fees $ 2 $ 2 $ 2 $ 2 $ — $ 2 $ 182 $ 174 $ 159 Card fees 1 2 2 2 1 — — 144 146 149 Retail and business banking fees 1 — — — — — 67 66 73 Capital markets fees 2 — — — 6 4 4 11 4 4 Wealth management fees — 1 — — (1) 1 54 53 51 Other customer-related fees 1 1 1 24 31 31 55 60 59 Total noninterest income from contracts with customers 6 6 5 33 34 38 513 503 495 Customer-related noninterest income from other sources 2 1 2 19 14 4 126 117 119 Total customer-related noninterest income 8 7 7 52 48 42 639 620 614 Noncustomer-related noninterest income — — — 33 17 6 61 57 18 Total noninterest income $ 8 $ 7 $ 7 $ 85 $ 65 $ 48 $ 700 $ 677 $ 632 1 Card fees exclude costs associated with reward programs that are netted against interchange fees, as these costs are not within the scope of applicable accounting guidance for revenue from contracts with customers. 2 Capital markets fees exclude revenue associated with real estate capital markets, swaps, loan syndications, and foreign exchange activities, as the related fees are not within the scope of applicable accounting guidance for revenue from contracts with customers. Revenue from contracts with customers did not result in 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 the completion of performance obligations and payment is generally not significant.

RETIREMENT PLANS

RETIREMENT PLANS	12 Months Ended
	Dec. 31, 2024
Defined Benefit Plans and Other Postretirement Benefit Plans Disclosures [Abstract]
RETIREMENT PLANS	RETIREMENT PLANS Defined Contribution Plan We offer a 401(k) and employee stock ownership plan under which employees select from a number of investment alternatives. Employees can contribute up to 80% of their earnings subject to the annual maximum allowed contribution. We match 100% of the first 3% of employee contributions and 50% of the next 3% of employee contributions. Matching contributions to participants totaled $35 million in 2024 and 2023, and $33 million in 2022. The 401(k) plan also has a noncontributory profit-sharing feature that is discretionary and may range from 0% to 3.5% of eligible compensation based upon our performance according to a formula approved annually by the Board. The profit-sharing expense was $14 million, $16 million, and $19 million in 2024 , 2023 , and 2022, respectively. The profit-sharing contribution to participants consisted of shares of our common stock purchased in the open market. Defined Benefit Plans Supplemental Retirement Plans — These unfunded, nonqualified plans are for certain current and former employees. Each year, our contributions to these plans are made in amounts sufficient to meet benefit payments to plan participants. Our liability for these plans totaled approximately $9 million at both December 31, 2024 and 2023. Post-retirement Plan — This unfunded health care and life insurance plan provides post-retirement benefits to certain former full-time employees who meet minimum age and service requirements. Our contribution toward the retiree medical premium has been permanently frozen at an amount that does not increase in any future year. Each year, our contributions to the plan are made in amounts sufficient to meet the portion of the premiums that are our responsibility. Our liability for this plan was less than $1 million at both December 31, 2024 and 2023. The liability for supplemental retirement and post-retirement benefits is included in “Other liabilities” on the consolidated balance sheet.

SHARE-BASED COMPENSATION

SHARE-BASED COMPENSATION	12 Months Ended
	Dec. 31, 2024
Share-Based Payment Arrangement [Abstract]
SHARE-BASED COMPENSATION	SHARE-BASED COMPENSATION We maintain a share-based compensation incentive plan that permits the granting of stock options, restricted stock, restricted stock units (“RSUs”), and other awards to employees and nonemployee directors. At December 31, 2024, the total shares authorized under the plan were 4,300,000, with 1,965,994 available for future grants. All share-based payments to employees, including grants of employee stock options, are recorded as compensation expense based on their grant date values, taking into account service and performance vesting requirements. The value of an equity award is estimated on the grant date using a fair value model, which considers post-vesting restrictions, but does not account for service or performance vesting conditions. We classify all share-based awards as equity instruments. Compensation expense is included in “Salaries and employee benefits” on the consolidated statement of income, with the corresponding equity effect included in shareholders ’ equity. Forfeitures of share-based compensation awards are accounted for as they occur. Substantially all share-based awards, including stock options, restricted stock, and RSUs, feature graded vesting, which is recognized on a straight-line basis over the vesting period. The following schedule presents compensation expense and the related tax benefit for all share-based awards: (In millions) 2024 2023 2022 Compensation expense $ 31 $ 33 $ 30 Reduction of income tax expense 7 9 11 At December 31, 2024, the unrecognized compensation expense for nonvested share-based awards was approximately $35 million. This amount is expected to be recognized over a weighted average period of 2.4 years. Stock Options Stock options granted to employees generally vest at a rate of one-third per year and expire seven years after the grant date. No stock options were granted in 2024. For stock options granted in 2023 and 2022, the Black-Scholes option pricing model was used to estimate the grant date value for determining compensation expense. The following schedule presents the weighted average grant date value and the significant assumptions applied in the Black-Scholes model for these options: 2024 2023 2022 Weighted average value for options granted $ — $ 11.23 $ 15.16 Weighted average assumptions used: Expected dividend yield — % 3.0 % 2.3 % Expected volatility — % 27.0 % 27.0 % Risk-free interest rate — % 4.00 % 1.98 % Expected life (in years) 0.0 4.5 5.0 The assumptions for expected dividend yield, expected volatility, and expected life reflect management’s judgment and take into account historical experience. Expected volatility is partially based on historical volatility. The risk-free interest rate is derived from the U.S. Treasury yield curve in effect at the time of grant, corresponding to the expected life of the option. The following schedule presents our stock option activity for the three years ended December 31, 2024: Number of shares Weighted average exercise price Balance at December 31, 2021 1,328,144 $ 44.60 Granted 201,932 73.02 Exercised (256,004) 36.79 Expired (8,912) 37.58 Forfeited (2,794) 57.75 Balance at December 31, 2022 1,262,366 50.75 Granted 291,005 52.90 Exercised (95,207) 29.67 Expired (27,948) 35.41 Forfeited (9,838) 57.07 Balance at December 31, 2023 1,420,378 52.83 Granted — — Exercised (191,602) 50.05 Expired (103,008) 46.84 Forfeited (2,112) 56.94 Balance at December 31, 2024 1,123,656 53.85 Outstanding stock options exercisable as of: December 31, 2024 869,716 52.61 December 31, 2023 891,884 50.36 December 31, 2022 729,411 46.02 We issue new authorized common shares upon the exercise of stock options. The total intrinsic value of stock options exercised was approximately $2 million in both 2024 and 2023, and $7 million in 2022. Cash received from the exercise of stock options totaled $9 million in 2024, $2 million in 2023, and $8 million in 2022. The following schedule presents additional selected information on stock options at December 31, 2024 : Outstanding stock options Exercisable stock options Exercise price range Number of shares Weighted average exercise price Weighted average remaining contractual life (years) Number of shares Weighted average exercise price $4.15 to $19.99 5,223 $ 6.41 1 0 5,223 $ 6.41 $40.00 to $44.99 1,974 43.07 1.4 1,974 43.07 $45.00 to $49.99 440,807 47.33 2.6 440,807 47.33 $50.00 to $59.99 481,220 52.56 3.2 292,172 52.34 $60.00 to $73.22 194,432 73.19 4.0 129,540 73.19 1,123,656 53.85 1 3.1 869,716 52.61 1 The weighted average remaining contractual life excludes 5,223 stock options without a fixed expiration date, which were assumed during the Amegy acquisition. These options expire one year after the employee's termination date, depending on certain circumstances. The aggregate intrinsic value of outstanding stock options was $4 million at December 31, 2024, and less than $1 million at December 31, 2023. Similarly, the aggregate intrinsic value of exercisable options was $4 million and less than $1 million at the same respective dates. For exercisable options, the weighted average remaining contractual life was 2.6 years at December 31, 2024, and 2.7 years at December 31, 2023, excluding the stock options previously noted without a fixed expiration date. At December 31, 2024, there were 253,940 unvested stock options outstanding, with a weighted average exercise price of $58.08 , a weighted average remaining life of 4.7 years, and an aggregate intrinsic value of $255 thousand . Restricted Stock and Restricted Stock Units Restricted stock is common stock that carries certain restrictions related to trading and the potential for forfeiture. Typically, restricted stock vests over a four-year period. Holders of restricted stock possess full voting rights and receive dividend equivalents during the vesting period. Additionally, holders can elect to be subject to income tax on the grant date rather than the vesting date. RSUs represent the right to receive one share of common stock per unit and generally vest over a four-year period. Holders of RSUs receive dividend equivalents during the vesting period, but do not possess voting rights. Compensation expense is determined based on the number of restricted shares or RSUs granted and the market price of our common stock at the grant date. During 2024, 2023, and 2022, we granted 25,866 , 39,771, and 16,722 RSUs, respectively, to nonemployee directors. These RSUs vested immediately upon grant. The following schedule presents our restricted stock activity for the three years ended December 31, 2024: Number of shares Weighted average fair value Nonvested restricted shares at December 31, 2021 64,816 $ 42.26 Issued 21,038 60.21 Vested (25,105) 42.66 Nonvested restricted shares at December 31, 2022 60,749 48.31 Issued — — Vested (24,978) 46.31 Nonvested restricted shares at December 31, 2023 35,771 49.71 Issued 49,019 41.24 Vested (18,731) 47.48 Nonvested restricted shares at December 31, 2024 66,059 44.06 The following schedule presents our RSU activity for the three years ended December 31, 2024: Number of restricted stock units Weighted average fair value Restricted stock units at December 31, 2021 1,274,083 $ 46.49 Granted 433,674 68.07 Vested (504,358) 47.83 Forfeited (34,306) 56.58 Restricted stock units at December 31, 2022 1,169,093 53.62 Granted 727,019 48.85 Vested (522,163) 48.71 Forfeited (44,004) 56.19 Restricted stock units at December 31, 2023 1,329,945 52.88 Granted 872,274 39.53 Vested (544,095) 50.55 Forfeited (34,621) 48.78 Restricted stock units at December 31, 2024 1,623,503 46.57 The total grant date value of restricted stock and RSUs vested during the year was $28 million in 2024, $27 million in 2023, and $25 million in 2022. At December 31, 2024, 66,059 shares of restricted stock and 1,108,442 RSUs were expected to vest according to their respective schedules, with an aggregate intrinsic value of $4 million and $60 million , respectively.

INCOME TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES The following schedule presents the major components of our income tax expense: (In millions) 2024 2023 2022 Federal: Current $ 194 $ 168 $ 236 Deferred (9) — (38) Total federal 185 168 198 State: Current 41 47 52 Deferred 2 (9) (5) Total state 43 38 47 Total income tax expense $ 228 $ 206 $ 245 The following schedule presents a reconciliation of income tax expense calculated at the statutory federal income tax rate of 21% with the actual income tax expense: (In millions) 2024 2023 2022 Income tax expense at statutory federal rate $ 213 $ 186 $ 242 State income taxes including credits, net 34 31 38 Other nondeductible expenses 32 29 13 Nontaxable income (46) (41) (40) Share-based compensation 1 (1) (4) Other (6) 2 (4) Total income tax expense $ 228 $ 206 $ 245 Deferred tax assets (“DTAs”) and deferred tax liabilities (“DTLs”) are calculated based on temporary differences between the financial statement values of assets and liabilities and their respective tax basis, using enacted tax laws and rates. Any changes in tax rates affecting DTAs and DTLs are recognized in income during the period that includes the enactment date. DTAs are recognized to the extent that management considers it more likely than not that they will be realized. Unrecognized tax benefits for uncertain tax positions primarily relate to tax credits on technology initiatives. The net DTA or DTL is included in “Other assets” and “Other liabilities” on the consolidated balance sheet, respectively. The following schedule presents the tax effects of temporary differences that result in significant portions of DTAs and DTLs: (In millions) December 31, 2024 2023 Gross deferred tax assets: Book loan loss deduction in excess of tax $ 183 $ 181 Deferred compensation 81 81 Investment securities and derivative fair value adjustments 775 879 Lease liabilities 60 50 Capitalized costs 30 37 Other 47 48 Total deferred tax assets before valuation allowance 1,176 1,276 Valuation allowance — — Total deferred tax assets 1,176 1,276 Gross deferred tax liabilities: Premises and equipment, due to differences in depreciation (90) (101) Federal Home Loan Bank stock dividends (3) (3) Leasing operations (43) (49) Prepaid expenses (8) (5) Mortgage servicing (6) (5) Deferred loan costs (36) (34) ROU assets (47) (43) Qualified opportunity fund deferred gains (26) (27) Equity investments (13) (10) Total deferred tax liabilities (272) (277) Net deferred tax assets (liabilities) $ 904 $ 999 We have certain fixed-rate AFS investment securities whose fair value has declined due to increases in benchmark interest rates, resulting in unrealized losses in the AFS portfolio and a corresponding DTA. The sale of these securities could result in significant realized losses, requiring future earnings to utilize the DTAs. However, as previously discussed in Note 5, we have both the intent and ability to hold these securities until their value recovers. We regularly evaluate DTAs to determine whether a valuation allowance is required. This evaluation is based on the more-likely-than-not criteria that such assets will be realized, considering all available evidence, both positive and negative. This evaluation includes, but is not limited to, the following factors: • Future reversals of existing DTLs — These DTLs generally have a reversal pattern consistent with DTAs and are used to realize the DTAs. • Tax planning strategies — We consider 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 to offset the reversal of remaining net DTAs. Based on this evaluation, we concluded that a valuation allowance was not required at December 31, 2024 and December 31, 2023. At December 31, 2024, the tax effect of remaining net operating loss and tax credit carryforwards was less than $1 million, expiring through 2039. We have a liability for unrecognized tax benefits related to uncertain tax positions for tax credits on technology initiatives. The following schedule presents a roll forward of gross unrecognized tax benefits: (In millions) 2024 2023 2022 Balance at beginning of year $ 15 $ 13 $ 14 Tax positions related to current year: Additions — 2 2 Tax positions related to prior years: Additions — 10 — Reductions — — (1) Settlements with taxing authorities — (3) — Lapses in statutes of limitations (8) (7) (2) Balance at end of year $ 7 $ 15 $ 13 At December 31, 2024 and 2023, our liability for unrecognized tax benefits included approximately $7 million and $13 million, respectively (net of the federal tax benefit on state taxes) that, if recognized, would affect the effective tax rate. The amount of gross unrecognized tax benefits related to tax credits on technology initiatives that may decrease during the 12 months following December 31, 2024 is approximately $3 million. Interest and penalties related to unrecognized tax benefits are included in “Income tax expense” on the consolidated statement of income. At December 31, 2024 and 2023, accrued interest and penalties included in “Other liabilities” on the consolidated balance sheet, net of any federal and state tax benefits, totaled approximately $1 million and $2 million, respectively. We file income tax returns in U.S. federal and various state jurisdictions and are no longer subject to income tax examinations for years prior to 2021 for federal and certain state returns.

NET EARNINGS PER COMMON SHARE

NET EARNINGS PER COMMON SHARE	12 Months Ended
	Dec. 31, 2024
Earnings Per Share [Abstract]
NET EARNINGS PER COMMON SHARE	NET EARNINGS PER COMMON SHARE Net earnings per common share are based on net earnings applicable to common shareholders, net of preferred stock dividends. Basic net earnings per common share are calculated using the weighted average number of outstanding common shares during each year. Unvested share-based awards with rights to receive nonforfeitable dividends are considered participating securities and included in the computation of basic earnings per share. Diluted net earnings per common share are based on the weighted average number of outstanding common shares during each year, including common stock equivalents. Stock options, restricted stock, RSUs, and stock warrants are converted to common stock equivalents using the more dilutive of the treasury stock method or the two-class method. Diluted net earnings per common share exclude common stock equivalents whose effect is antidilutive. The following schedule presents basic and diluted net earnings per common share based on the weighted average outstanding shares: (In millions, except shares and per share amounts) 2024 2023 2022 Basic: Net income $ 784 $ 680 $ 907 Less common and preferred dividends 289 277 269 Less impact from redemption of preferred stock 6 — — Undistributed earnings 489 403 638 Less undistributed earnings applicable to nonvested shares 5 4 5 Undistributed earnings applicable to common shares 484 399 633 Distributed earnings applicable to common shares 245 243 237 Total earnings applicable to common shares $ 729 $ 642 $ 870 Weighted average common shares outstanding (in thousands) 147,210 147,748 150,064 Net earnings per common share $ 4.95 $ 4.35 $ 5.80 Diluted: Total earnings applicable to common shares $ 729 $ 642 $ 870 Weighted average common shares outstanding (in thousands) 147,210 147,748 150,064 Dilutive effect of stock options (in thousands) 5 8 207 Weighted average diluted common shares outstanding (in thousands) 147,215 147,756 150,271 Net earnings per common share $ 4.95 $ 4.35 $ 5.79 The following schedule presents the weighted average stock awards that were anti-dilutive and not included in the calculation of diluted earnings per share: (In thousands) 2024 2023 2022 Restricted stock and restricted stock units $ 1,663 $ 1,383 $ 1,265 Stock options 1,110 1,409 178

OPERATING SEGMENT INFORMATION

OPERATING SEGMENT INFORMATION	12 Months Ended
	Dec. 31, 2024
Segment Reporting [Abstract]
OPERATING SEGMENT INFORMATION	OPERATING SEGMENT INFORMATION We manage our operations with a primary focus on geographic area, primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. We conduct our operations primarily through seven separately managed affiliate banks, each with its own local branding and management team, including Zions Bank, Amegy Bank, California Bank & Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington. These affiliate banks comprise our primary operating segments. We emphasize local authority, responsibility, pricing, and customization of certain products that are designed to maximize customer satisfaction, strengthen community relations, and improve profitability and shareholder returns. At December 31, 2024, Zions Bank operated 92 branches in Utah, 25 branches in Idaho, and one branch in Wyoming. CB&T operated 75 branches in California. Amegy operated 75 branches in Texas. NBAZ operated 56 branches in Arizona. NSB operated 43 branches in Nevada. Vectra operated 33 branches in Colorado and one branch in New Mexico. TCBW operated two branches in Washington and one branch in Oregon. In 2024, all of the Bank’s assets, revenues, and expenses were located in or derived from operations within the United States. On September 23, 2024, we announced that we entered into an agreement to purchase four FirstBank Coachella Valley, California branches and their associated deposit and loan accounts. These branches will be operated by our CB&T affiliate bank. In addition to the four branches, the purchase includes approximately $700 million in deposits and $400 million in commercial and consumer loans. These amounts are subject to change. The transaction is expected to be completed in the first quarter of 2025, subject to customary closing conditions. We focus on serving customers in the communities in which we operate. Each of our operating segments provide a wide range of banking products and related services, delivered digitally or by other means, including primarily commercial and small business banking, capital markets and investment banking, commercial real estate lending, retail banking, and wealth management. Our affiliate banks are supported by an enterprise operating segment, referred to as the “Other” segment, which 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. The cost of centrally provided services are allocated to the operating segments based on estimated or actual usage of those services. Capital is allocated according to the risk-weighted assets held by each operating segment. We employ an internal funds transfer pricing (“FTP”) allocation process to report the results of operations for operating segments. This process is subject to ongoing changes and refinements. The total average loans and deposits presented for the operating segments include minor intercompany amounts and may also include deposits with the “Other” segment. Transactions between operating segments are primarily conducted at fair value, with profits eliminated for consolidated reporting purposes. We evaluate performance and allocate resources primarily based on income or loss from operations before income taxes. The accounting policies of the operating segments align with those in the Notes to Consolidated Financial Statements. The chief operating decision maker (“CODM”) is our Chairman and Chief Executive Officer. The CODM regularly receives certain segment information, including net interest income, noninterest income, significant noninterest expenses, and income or loss from operations before income taxes. This information is used to evaluate performance and allocate resources for each segment. The following schedule presents selected operating segment information that is regularly provided to the CODM to evaluate performance and allocate resources: (In millions) Zions Bank CB&T Amegy 2024 2023 2022 2024 2023 2022 2024 2023 2022 SELECTED INCOME STATEMENT DATA Net interest income 1 $ 692 $ 698 $ 726 $ 584 $ 602 $ 592 $ 496 $ 457 $ 505 Provision for credit losses (8) 20 43 42 44 49 22 15 5 Net interest income after provision for credit losses 700 678 683 542 558 543 474 442 500 Noninterest income 187 192 186 121 116 114 175 184 165 Noninterest expense: Salaries and employee benefits 141 142 137 126 126 121 112 107 105 Technology, telecom, and information processing 14 16 14 5 5 4 8 8 8 Occupancy and equipment, net 27 27 24 33 34 33 33 28 28 Other direct expenses 2 71 96 60 42 58 33 56 70 40 Indirect/allocated expenses 318 301 263 197 188 149 247 240 174 Total noninterest expense 571 582 498 403 411 340 456 453 355 Income (loss) before income taxes $ 316 $ 288 $ 371 $ 260 $ 263 $ 317 $ 193 $ 173 $ 310 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 14,799 $ 14,296 $ 13,272 $ 14,286 $ 14,128 $ 13,129 $ 13,398 $ 12,851 $ 12,110 Total average deposits 21,151 20,233 24,316 14,582 14,253 16,160 14,792 13,569 15,735 (In millions) NBAZ NSB Vectra 2024 2023 2022 2024 2023 2022 2024 2023 2022 SELECTED INCOME STATEMENT DATA Net interest income 1 $ 245 $ 249 $ 242 $ 197 $ 192 $ 185 $ 148 $ 151 $ 153 Provision for credit losses 17 4 11 (11) 42 4 3 7 9 Net interest income after provision for credit losses 228 245 231 208 150 181 145 144 144 Noninterest income 43 40 48 52 45 48 29 28 31 Noninterest expense: Salaries and employee benefits 54 55 51 46 45 44 41 41 39 Technology, telecom, and information processing 4 4 4 6 5 6 2 3 3 Occupancy and equipment, net 11 10 10 11 12 11 11 12 8 Other direct expenses 2 26 29 17 21 27 16 14 18 10 Indirect/allocated expenses 101 96 85 93 85 74 69 67 60 Total noninterest expense 196 194 167 177 174 151 137 141 120 Income (loss) before income taxes $ 75 $ 91 $ 112 $ 83 $ 21 $ 78 $ 37 $ 31 $ 55 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 5,683 $ 5,318 $ 4,911 $ 3,555 $ 3,392 $ 2,987 $ 4,063 $ 4,004 $ 3,632 Total average deposits 6,933 7,008 8,035 7,169 6,964 7,436 3,505 3,482 4,109 (In millions) TCBW Other Consolidated Bank 2024 2023 2022 2024 2023 2022 2024 2023 2022 SELECTED INCOME STATEMENT DATA Net interest income 1 $ 63 $ 61 $ 63 $ 5 $ 28 $ 54 $ 2,430 $ 2,438 $ 2,520 Provision for credit losses 9 2 1 (2) (2) — 72 132 122 Net interest income after provision for credit losses 54 59 62 7 30 54 2,358 2,306 2,398 Noninterest income 8 7 7 85 65 33 700 677 632 Noninterest expense: Salaries and employee benefits 12 13 12 755 746 726 1,287 1,275 1,235 Technology, telecom, and information processing 2 2 2 219 197 168 260 240 209 Occupancy and equipment, net 3 2 3 32 35 35 161 160 152 Other direct expenses 2 5 7 4 103 117 102 338 422 282 Indirect/allocated expenses 11 11 3 (1,036) (988) (808) — — — Total noninterest expense 33 35 24 73 107 223 2,046 2,097 1,878 Income (loss) before income taxes $ 29 $ 31 $ 45 $ 19 $ (12) $ (136) $ 1,012 $ 886 $ 1,152 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 1,805 $ 1,705 $ 1,630 $ 958 $ 1,046 $ 927 $ 58,547 $ 56,740 $ 52,598 Total average deposits 1,144 1,196 1,571 5,484 6,161 1,167 74,760 72,866 78,529 1 Interest income is shown net of interest expense consistent with the information regularly provided to the CODM and used to evaluate segment performance. 2 Includes expenses such as professional and legal services, marketing and business development, deposit insurance and regulatory expense, credit-related expense, other real estate expense, and other noninterest expense.

QUARTERLY FINANCIAL INFORMATION

QUARTERLY FINANCIAL INFORMATION (UNAUDITED)	12 Months Ended
	Dec. 31, 2024
Quarterly Financial Information Disclosure [Abstract]
QUARTERLY FINANCIAL INFORMATION (UNAUDITED)	QUARTERLY FINANCIAL INFORMATION (UNAUDITED) The following schedule presents quarterly financial information for 2024 and 2023: (In millions, except per share amounts) Fourth Quarter Third Quarter Second Quarter First Quarter 2024 Total interest income $ 1,062 $ 1,104 $ 1,073 $ 1,054 Net interest income 627 620 597 586 Provision for credit losses 41 13 5 13 Noninterest income 193 172 179 156 Noninterest expense 509 502 509 526 Income before income taxes 270 277 262 203 Net income 216 214 201 153 Preferred stock dividends (10) (10) (11) (10) Preferred stock redemption (6) — — — Net earnings applicable to common shareholders 200 204 190 143 Net earnings per common share: Basic 1.34 1.37 1.28 0.96 Diluted 1.34 1.37 1.28 0.96 2023 Total interest income $ 1,040 $ 1,010 $ 977 $ 920 Net interest income 583 585 591 679 Provision for credit losses — 41 46 45 Noninterest income 148 180 189 160 Noninterest expense 581 496 508 512 Income before income taxes 150 228 226 282 Net income 126 175 175 204 Preferred stock dividends (10) (7) (9) (6) Net earnings applicable to common shareholders 116 168 166 198 Net earnings per common share: Basic 0.78 1.13 1.11 1.33 Diluted 0.78 1.13 1.11 1.33

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2024	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Pay vs Performance Disclosure
Net Income (Loss) Attributable to Parent	$ 216	$ 214	$ 201	$ 153	$ 126	$ 175	$ 175	$ 204	$ 784	$ 680	$ 907

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Dec. 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

Insider Trading Policies and Pr

Insider Trading Policies and Procedures	12 Months Ended
	Dec. 31, 2024
Insider Trading Policies and Procedures [Line Items]
Insider Trading Policies and Procedures Adopted	true

Cybersecurity Risk Management a

Cybersecurity Risk Management and Strategy Disclosure	12 Months Ended
	Dec. 31, 2024
Cybersecurity Risk Management, Strategy, and Governance [Line Items]
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]	Cybersecurity risk is overseen by the Board and the Bank’s multiple lines of defense, including front-line bankers, operations teams, Enterprise Risk Management (“ERM”), and internal audit. Information security risk is managed in accordance with an established ERM framework, which includes elements such as key risk indicators, enterprise standards, controls, and self-assessments that comply with established ERM policies. These elements are regularly assessed, measured, and reported to Board-level and Bank senior management-level risk committees, and those committees review such reports. We engage multiple independent third parties and cyber experts to assess our information security programs and practices. These assessments include, but are not limited to, framework maturity assessments, blind penetration testing, technology health checks, cyber skill and staffing assessments, externally facilitated tabletop exercises, external cyber legal counsel briefings, and strategic assessments. Findings from these assessments are regularly reviewed with management and the ROC. Additionally, we participate in various cybersecurity industry forums and have access to law enforcement analysis regarding current threats. Our supply chain risk management practices include risk assessments of suppliers, particularly regarding cybersecurity. We monitor our suppliers using commercially available services that provide real-time security scoring of supplier technology services, threat intelligence, financial intelligence, geopolitical risk intelligence, and other cybersecurity-related considerations. Regular reviews are performed to monitor changes in our suppliers’ cybersecurity risk posture. Continuous threat intelligence monitoring is also conducted to identify potential cybersecurity incidents involving third parties. We strive to negotiate appropriate cybersecurity provisions in our contracts with suppliers. Upon the occurrence of a cybersecurity incident, whether identified internally or through third-party cybersecurity notifications, we assess the incident’s criticality and potential materiality and disclosure. This evaluation considers various factors, including service availability, operational impact, reputational consequences, regulatory and legal implications, data sensitivity, and direct financial impact. The CISO continuously monitors these criteria to determine the incident's potential impact, individually or in aggregate. We have established escalation procedures to promptly inform senior and executive management, the Board (or relevant subcommittees), and regulators, based on the incident's criticality and materiality. At December 31, 2024, risks from cybersecurity threats, including those arising from any previous cybersecurity incidents, have not materially impacted our business strategy, results of operations, or financial condition. Management has evaluated known cybersecurity incidents for potential materiality and disclosure using formal, documented processes and has determined that there have been no material cybersecurity incidents, either individually or in aggregate. We acknowledge that future cybersecurity incidents could potentially have a material adverse effect on our organization, despite our efforts to prevent or mitigate such events.
Cybersecurity Risk Management Processes Integrated [Flag]	true
Cybersecurity Risk Management Processes Integrated [Text Block]	Cybersecurity risk is overseen by the Board and the Bank’s multiple lines of defense, including front-line bankers, operations teams, Enterprise Risk Management (“ERM”), and internal audit. Information security risk is managed in accordance with an established ERM framework, which includes elements such as key risk indicators, enterprise standards, controls, and self-assessments that comply with established ERM policies. These elements are regularly assessed, measured, and reported to Board-level and Bank senior management-level risk committees, and those committees review such reports.
Cybersecurity Risk Management Third Party Engaged [Flag]	true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]	true
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]	false
Cybersecurity Risk Board of Directors Oversight [Text Block]	The ROC is responsible for reviewing reports from management related to enterprise-wide risk management efforts, including cybersecurity risks. As part of this oversight, the ROC conducts an annual review and approval of information security policies and programs, and receives regular updates on key risk indicators, threat trends, risk remediation activities, and operational events. The ROC regularly reports on this oversight, including cybersecurity, to the Board. Management employs multiple real-time and interval-based monitoring and reporting mechanisms to detect and respond to cybersecurity incidents, and may also engage third parties to assist in these efforts. Documented escalation procedures are regularly tested through tabletop exercises and other activities, including notification to executive management during qualifying cybersecurity incidents. Management directly responsible for assessing, measuring, and managing cybersecurity risks include the Chief Information Security Officer (“CISO”) and the Chief Technology and Operations Officer (“CTOO”). The current CISO has more than 20 years of technology leadership experience, including significant direct involvement in cybersecurity efforts, and holds multiple industry certifications. The current CTOO has more than 25 years of experience in audit, risk, operations, and technology leadership, including previous roles as Chief Audit Executive and Director of Bank Operations. The CISO and CTOO regularly report cybersecurity risk information to the Board or a Board committee.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]	The ROC is responsible for reviewing reports from management related to enterprise-wide risk management efforts, including cybersecurity risks.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]	The ROC is responsible for reviewing reports from management related to enterprise-wide risk management efforts, including cybersecurity risks. As part of this oversight, the ROC conducts an annual review and approval of information security policies and programs, and receives regular updates on key risk indicators, threat trends, risk remediation activities, and operational events. The ROC regularly reports on this oversight, including cybersecurity, to the Board. Management employs multiple real-time and interval-based monitoring and reporting mechanisms to detect and respond to cybersecurity incidents, and may also engage third parties to assist in these efforts. Documented escalation procedures are regularly tested through tabletop exercises and other activities, including notification to executive management during qualifying cybersecurity incidents.
Cybersecurity Risk Role of Management [Text Block]	Cybersecurity risk is overseen by the Board and the Bank’s multiple lines of defense, including front-line bankers, operations teams, Enterprise Risk Management (“ERM”), and internal audit. Information security risk is managed in accordance with an established ERM framework, which includes elements such as key risk indicators, enterprise standards, controls, and self-assessments that comply with established ERM policies. These elements are regularly assessed, measured, and reported to Board-level and Bank senior management-level risk committees, and those committees review such reports. The ROC is responsible for reviewing reports from management related to enterprise-wide risk management efforts, including cybersecurity risks. As part of this oversight, the ROC conducts an annual review and approval of information security policies and programs, and receives regular updates on key risk indicators, threat trends, risk remediation activities, and operational events. The ROC regularly reports on this oversight, including cybersecurity, to the Board. Management employs multiple real-time and interval-based monitoring and reporting mechanisms to detect and respond to cybersecurity incidents, and may also engage third parties to assist in these efforts. Documented escalation procedures are regularly tested through tabletop exercises and other activities, including notification to executive management during qualifying cybersecurity incidents. Management directly responsible for assessing, measuring, and managing cybersecurity risks include the Chief Information Security Officer (“CISO”) and the Chief Technology and Operations Officer (“CTOO”). The current CISO has more than 20 years of technology leadership experience, including significant direct involvement in cybersecurity efforts, and holds multiple industry certifications. The current CTOO has more than 25 years of experience in audit, risk, operations, and technology leadership, including previous roles as Chief Audit Executive and Director of Bank Operations. The CISO and CTOO regularly report cybersecurity risk information to the Board or a Board committee.
Cybersecurity Risk Management Positions or Committees Responsible [Flag]	true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block]	Management directly responsible for assessing, measuring, and managing cybersecurity risks include the Chief Information Security Officer (“CISO”) and the Chief Technology and Operations Officer (“CTOO”).
Cybersecurity Risk Management Expertise of Management Responsible [Text Block]	The current CISO has more than 20 years of technology leadership experience, including significant direct involvement in cybersecurity efforts, and holds multiple industry certifications. The current CTOO has more than 25 years of experience in audit, risk, operations, and technology leadership, including previous roles as Chief Audit Executive and Director of Bank Operations.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]	The CISO and CTOO regularly report cybersecurity risk information to the Board or a Board committee.
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]	true

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policy)	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Basis of Financial Statement Presentation and Principles of Consolidation	The consolidated financial statements include our accounts and those of our majority-owned, consolidated subsidiaries. This also includes our wholly-owned subsidiaries, such as ZMFU II, Inc., which is utilized for our municipal lending business, and Zions Direct, Inc., a registered broker-dealer under the Exchange Act, among other subsidiaries. Investments in which we have the ability to exercise significant influence over the operating and financial policies of the investee are accounted for using the equity method. All intercompany accounts and transactions have been eliminated in consolidation. Assets held in an agency or fiduciary capacity are excluded from the consolidated financial statements. The consolidated financial statements have been prepared in accordance with United States (“U.S.”) generally accepted accounting principles (“GAAP”) and prevailing practices within the financial services industry. References to GAAP, including standards issued by the Financial Accounting Standards Board (“FASB”), are made according to sections of the Accounting Standards Codification (“ASC”). In preparing the consolidated financial statements, we make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results may differ from these estimates.
Subsequent Events	We evaluated events that occurred between December 31, 2024, and the date the accompanying financial statements were issued. We determined that there were no material events requiring adjustments to our consolidated financial statements or significant disclosure in the accompanying notes.
Variable Interest Entities	A variable interest entity (“VIE”) is consolidated when we are identified as the primary beneficiary of the VIE. Current accounting guidance requires continuous analysis to determine the primary beneficiary of a VIE. At the start of our involvement, and periodically thereafter, we reassess our consolidation conclusions for all entities with which we are involved.
Statement of Cash Flows	For purposes of presentation on the consolidated statements of cash flows, “cash and cash equivalents” are defined as those amounts included in “Cash and due from banks” on the consolidated balance sheets.
Securities Purchased Under Agreements to Resell	Securities purchased under agreements to resell consist of overnight and term agreements, with the majority maturing within 50 days. These agreements are generally classified as collateralized financing transactions and are carried at the acquisition cost plus accrued interest. We, or third parties on our behalf, take possession of the underlying securities. The fair value of such securities is continuously monitored throughout the contract term to ensure asset values remain sufficient to mitigate counterparty default risk. Contractual provisions allow us to sell or
Other Noninterest-bearing Investments	Other noninterest-bearing investments include private equity investments (“PEIs”), venture capital securities, securities acquired for various debt and regulatory requirements, bank-owned life insurance (“BOLI”), and certain other noninterest-bearing investments. See Note 3 for further information. Certain PEIs and venture capital securities are accounted for under the equity method of accounting when we can exercise significant influence over the investee's operating and financial policies. Equity investments in PEIs that do not grant significant influence are reported at fair value, unless a readily determinable fair value in unavailable. In such cases, we have elected to measure PEIs at cost, less impairment (if any), plus or minus observable price changes from identical or similar investments of the same issuer, referred to as the “measurement alternative.” Periodic impairment reviews are conducted by comparing carrying values with fair value estimates. Changes in fair value, impairment losses, and gains and losses from sales are included in “Securities gains (losses), net” on the consolidated statement of income. BOLI is accounted for at fair value based on the cash surrender values (“CSVs”) of the general account insurance policies.
Business Combinations	Business combinations are accounted for under the acquisition method of accounting. Upon initially obtaining control, we recognize 100% of all acquired assets and assumed liabilities, regardless of the ownership percentage. These assets and liabilities are recorded at their estimated fair values, with goodwill recognized when such net fair values are less than the acquisition cost. Certain transaction and restructuring costs are expensed as incurred. Changes to estimated fair values from a business combination are recognized as adjustments to goodwill during the measurement period, which cannot exceed one year from the acquisition date. The results of operations of acquired businesses are included on our consolidated statement of income from the date of acquisition.
Other Real Estate Owned	Other real estate owned (“OREO”) consists primarily of commercial and residential real estate acquired in partial or full satisfaction of loan obligations. These properties are initially recorded at fair value, less estimated selling costs, based on recent property appraisals at the time of transfer. Subsequently, they are recorded at the lower of cost or fair value, less estimated selling costs.
Recent Accounting Pronouncements	Standard Description Effective date Effect on the financial statements or other significant matters Standards not yet adopted by the Bank as of December 31, 2024 ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures This accounting standards update (“ASU”) requires additional detailed information to improve the usefulness of income tax disclosures. This includes providing detailed annual disclosures on rate reconciliation and income taxes paid for specific categories and when certain quantitative thresholds are met. January 1, 2025 The overall effect of this standard is not expected to have a material impact on our financial statements. ASU 2024-03, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40) This ASU requires additional disclosures of certain costs and expenses in both interim and annual reporting periods, including: • Amounts of employee compensation, depreciation, and intangible asset amortization included in certain expense lines presented on the face of the income statement within continuing operations. • A qualitative description of the amounts remaining in relevant expense captions that are not separately disaggregated quantitatively. • The Bank's definition and amount of selling costs. Annual periods beginning January 1, 2027; Interim periods beginning January 1, 2028 We are evaluating the new disclosure requirements. The overall effect of this standard is not expected to have a material impact on our financial statements. Standards adopted by the Bank in 2024 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 application of the proportional amortization method (“PAM”), which was previously limited to investments in low-income housing tax credit (“LIHTC”) structures. It now includes any eligible equity investments primarily made to receive income tax credits and other tax benefits, provided certain criteria are met. Under PAM, the investment cost is amortized in proportion to the income tax credits and other income tax benefits received. The amortization of the investment and the income tax credits are presented net on the consolidated statement of income as a component of income tax expense (benefit). This ASU allows for an accounting policy election to apply PAM on a tax-credit-program-by-tax-credit-program basis. The ASU also includes additional disclosure requirements for 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. Standards adopted by the Bank in 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 included in the unit of account of the equity security, and therefore, are not considered when measuring fair value. The amendments specify that the Bank cannot recognize and measure a contractual sale restriction as a separate unit of account. Additionally, the ASU requires further 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 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures This ASU expands operating segment disclosures and requires all segment disclosures to be reported in both annual and interim periods. The new standard requires disclosure of the following: • Significant segment expenses that are regularly provided to the chief operating decision maker (“CODM”) for reportable segments; • The title and position of the CODM as well as how the CODM uses the reported measure(s) of profit and loss to assess segment performance; and • “Other segment items” by reportable segment and a description of its composition. Annual periods beginning January 1, 2024; Interim periods beginning January 1, 2025 We adopted the new standard on January 1, 2024. The adoption of this standard did not have a material effect on our financial statements. See Note 22 of the Notes to Consolidated Financial Statements.
Fair Value Measurement	We measure many of our assets and liabilities at fair value. Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. To enhance consistency and comparability in fair value measurements, we prioritize valuation inputs following a three-level hierarchy, as described below. We prioritize quoted prices in active markets and minimize reliance on unobservable inputs. When observable market prices are unavailable, fair value is estimated using modeling techniques, employing assumptions that align with those that market participants would consider in pricing the asset or liability. Changes in market conditions may reduce the availability of quoted prices or observable data. The following fair value hierarchy prioritizes the use of observable inputs over unobservable inputs when measuring the fair value of assets and liabilities: • Level 1 — Quoted prices in active markets for identical assets or liabilities that we have the ability to access; • Level 2 — Observable inputs other than Level 1, including quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in less active markets, observable inputs other than quoted prices used in the valuation of an asset or liability, and inputs derived principally from or corroborated by observable market data through correlation or other means; and • Level 3 — Unobservable inputs supported by minimal or no market activity for financial instruments whose value is determined by pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. The classification of a fair value measurement within the fair value hierarchy is based on the lowest level input that is significant to the measurement. Market activity is presumed to be orderly in the absence of evidence of forced or disorderly sales. Applicable accounting guidance precludes the use of blockage factors or liquidity adjustments due to the quantity of securities held by the Bank. We measure certain assets and liabilities at fair value on a recurring basis when fair value is the primary measure for accounting. Fair value is also used on a nonrecurring basis for certain assets or liabilities to determine any impairment, apply lower of cost or fair value accounting, or for disclosure purposes of certain financial instruments. Fair Value Policies and Procedures We have established various policies, processes, and controls to ensure that fair values are reasonably estimated, reviewed, and approved for use. Our Securities Valuation Committee, comprised of executive management, reviews and approves the key components of fair value measurements on a quarterly basis, including critical valuation assumptions for Level 3 measurements. Our Model Risk Management Group conducts model validations, including internal models, and sets policies and procedures for revalidation, including the timing of revalidation. Third-party Service Providers We utilize a third-party pricing service to measure fair value of substantially all of our Level 2 available-for-sale (“AFS”) securities. Fair value measurements for other Level 2 AFS securities generally rely on inputs corroborated by market data and include discounted cash flow analyses. For Level 2 securities, the third-party pricing service provides ongoing documentation that includes market data, detailed pricing information and market reference data. This documentation includes benchmark yields, reported trades, broker-dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, and reference data from the vendor trading platform. We regularly review, test, and validate this information. The following describes the hierarchy designations, valuation methodologies, and key inputs used to measure fair value on a recurring basis for designated financial instruments: Trading securities Trading securities are measured using observable market inputs and are classified in Level 1 and Level 2. Available-for-Sale investment securities • U.S. Treasury, Agencies and Corporations — U.S. Treasury securities measured using quoted market prices are classified in Level 1. U.S. agency and corporate securities measured using observable market inputs are classified in Level 2. • Municipal Securities — Municipal securities are measured using observable market inputs and are classified in Level 2. • Other Debt Securities — Other debt securities are measured using quoted prices for similar securities and are classified in Level 2. Loans held for sale We have elected the fair value option for certain commercial real estate (“CRE”) loans designated for sale to a third-party conduit for securitization. These loans are measured at fair value using observable market prices for mortgage-backed securities with similar collateral, and are therefore generally classified in Level 2. The valuation of these loans incorporates adjustments for differences between the securities and the underlying loans, considering factors such as credit quality, portfolio composition, and liquidity. Bank-owned Life Insurance BOLI is measured according to the CSV of the insurance policies. Nearly all policies are general account policies with CSVs based on our claims on the assets of the insurance companies. The insurance companies’ investments predominantly include fixed-income securities, such as investment-grade corporate bonds and various types of mortgage instruments. Management regularly reviews the performance of its BOLI investments, including concentrations among insurance providers, and classifies BOLI balances in Level 2 in the fair value hierarchy. Private Equity Investments PEIs measured at fair value on a recurring basis are generally classified in Level 3 due to the inclusion of unobservable inputs in their valuation. Key assumptions and considerations include current and projected financial performance, recent financing activities, economic and market conditions, market comparable companies, market liquidity, and other relevant factors. The majority of these PEIs are held in our Small Business Investment Company (“SBIC”) and consist of early-stage venture investments. These investments are reviewed at least quarterly by the Securities Valuation Committee and whenever a new round of financing occurs. Some of these investments may be valued using multiples of operating performance. Occasionally, PEIs may become publicly traded and are then measured in Level 1. Certain restrictions may apply to the redemption of these investments. Agriculture Loan Servicing We service agriculture loans approved and funded by the Federal Agricultural Mortgage Corporation (“FAMC”) under an agreement for the loans it owns. The servicing assets are measured at fair value, representing our projection of the present value of net future servicing cash flows. Due to the inclusion of unobservable inputs in these measurements, these assets are classified in Level 3. Deferred Compensation Plan Assets Invested assets in the deferred compensation plan consist of shares of registered investment companies. These mutual funds are valued using quoted market prices, representing the net asset value (“NAV”) of shares held by the plan at the end of the period. Consequently, these assets are classified in Level 1. Derivatives Exchange-traded derivatives, such as foreign currency exchange contracts, are generally classified in Level 1 due to their trading in active markets. Conversely, over-the-counter derivatives, which primarily include interest rate swaps, forwards, options, and purchased credit default swaps, are generally classified in Level 2. This classification arises because their fair values are derived from third-party services that utilize observable market inputs. These inputs include yield curves, foreign exchange rates, commodity prices, option volatility, counterparty credit risk, and other related data. Valuations incorporate credit valuation adjustments (“CVAs”) to account for nonperformance risk associated with both our counterparties and us. CVAs are generally determined by applying a credit spread to the total expected exposure, net of any collateral, of the derivative. Securities Sold, Not Yet Purchased Securities sold, not yet purchased, are included in “Federal funds and other short-term borrowings” on the consolidated balance sheet. They are measured using quoted market prices and are generally classified in Level 1. In cases where market prices for identical securities are unavailable, quoted prices for similar securities are utilized, with the related balances classified in Level 2.
Investment Securities	Investment Securities We classify our investment securities as either available-for-sale (“AFS”) or held-to-maturity (“HTM”), according to their purpose and holding period. Gains or losses on the sale of investment securities are recognized using the specific identification method and are recorded in noninterest income. AFS securities are measured at fair value and consist of debt securities used to manage liquidity and interest rate risk and to generate interest income. Unrealized gains and losses from AFS securities, after applicable taxes, are recorded as a component of other comprehensive income (“OCI”). HTM securities, which management has the intent and ability to hold until maturity, are carried at amortized cost. The amortized cost represents the original investment cost, adjusted for related amortization or accretion of any purchase premiums or discounts, and for any impairment losses, including credit-related impairment.
Investment Securities, Impairment	On a quarterly basis, we review our investment securities portfolio for the presence of impairment on an individual security basis. For AFS securities, when the fair value of a debt security is less than its amortized cost basis at the balance sheet date, we assess for credit impairment. When determining if the fair value of an investment is less than the amortized cost basis, we exclude accrued interest from the amortized cost basis of the investment. If we intend to sell an identified security, or if it is more likely than not we will be required to sell the security before recovering its amortized cost basis, we write the amortized cost down to the security’s fair value at the reporting date through earnings. If we have the intent and ability to hold the securities, we determine whether any impairment is attributable to credit-related factors. We analyze certain factors, primarily internal and external credit ratings, to determine if the decline in fair value below the amortized cost basis results from a credit loss or other factors. If a credit impairment is identified, we measure the amount of credit loss and recognize an allowance for it. To measure the credit loss, we generally compare the present value of expected cash flows from the security to its amortized cost basis. These cash flows are adjusted for credit using assumptions for default probability and loss severity, among other factors. Additional inputs, such as prepayment rate assumptions, are also utilized, and certain internal models may be employed. To determine the credit-related portion of impairment, we use the security-specific effective interest rate to estimate the present value of cash flows. If the present value of cash flows is less than the amortized cost basis of the security, this amount is recorded as an allowance for credit loss, limited to the amount by which the fair value is less than the amortized cost basis (i.e., the credit impairment cannot result in the security being carried at an amount lower than its fair value).
Loans	At the time of origination, loans are classified as either held for investment or held for sale based on our intended purpose. We may subsequently change our intent for a loan or group of loans and reclassify them accordingly. Loans held for sale are carried at the lower of cost or fair value. A valuation allowance is recorded when cost exceeds fair value, based on reviews at the time of reclassification and periodically thereafter. Associated gains and losses are calculated based on the difference between sales proceeds and carrying value, and are included in “Loan-related fees and income” on the consolidated statement of income. In the ordinary course of business, we may syndicate portions of loans or transfer portions of loans under participation agreements to manage credit risk and portfolio concentration. We evaluate loan participations to ensure they comply with the relevant accounting guidance to qualify as sales. We elect the fair value option for certain CRE loans designated for sale or securitization and are hedged with derivative instruments, as described further in Note 3. Gains and losses on the sale of these loans are included in “Capital markets fees” on the consolidated statement of income. We evaluate loans throughout their lifecycle for indications of credit deterioration, which may affect the loan status, risk grading, and potentially the accounting for that loan. Loan status categories include accruing or nonaccruing, past due as to contractual payments, and modified. The ACL, which consists of the allowance for loan and lease losses (“ALLL”) and the reserve for unfunded lending commitments (“RULC”), represents our estimate of current expected credit losses related to the loan and lease portfolio and unfunded lending commitments as of the balance sheet date. The ACL for AFS and HTM debt securities is estimated separately from loans. For HTM securities, the ACL is estimated consistent with the approach for loans carried at amortized cost. See Note 5 for further discussion on our assessment of expected credit losses on AFS securities and disclosures related to AFS and HTM securities. The ACL is calculated using the loan’s amortized cost basis, which includes the principal balance, net of unamortized premiums, discounts, and deferred fees and costs. We do not estimate the ACL for accrued interest receivables, as we reverse or write off uncollectible accrued interest receivable balances in a timely manner, generally within one month. The methodologies we use to estimate the ACL depend on various factors, including the type of loan, the age and contractual term of the loan, expected payments (both contractual and estimated prepayments), credit quality indicators, economic forecasts, and the evaluation method (whether individually or collectively evaluated). Loan extensions or renewals are not considered in the ACL unless they are included in the original or modified loan contract and are not unconditionally cancellable. Losses are charged to the ACL when recognized. Generally, commercial and CRE loans are charged off or charged down when they are determined to be uncollectible in whole or in part, or when 180 days past due, unless the loan is well secured and in process of collection. Consumer loans are either charged off or charged down to net realizable value no later than the month in which they become 180 days past due. Closed-end consumer loans that are not secured by residential real estate are either charged off or charged down to net realizable value no later than the month in which they become 120 days past due. We establish the amount of the ACL by analyzing the portfolio at least quarterly, and we adjust the provision for loan losses and unfunded lending commitments to ensure the ACL is at an appropriate level at the balance sheet date. The ACL is determined based on our review of loans with similar risk characteristics, which are evaluated on a collective basis, as well as loans without similar risk characteristics, which are evaluated on an individual basis. For commercial and CRE loans with commitments greater than $1 million, we assign internal risk grades using a comprehensive loan grading system based on financial and statistical models, individual credit analysis, and loan officer experience and judgment. The credit quality indicators described subsequently are based on this grading system. Estimated credit losses on all loan segments, including consumer and small commercial and CRE loans with commitments less than or equal to $1 million that are evaluated on a collective basis, are derived from statistical analyses of our historical default and loss experience since January 2008. We estimate current expected credit losses for each loan by considering historical credit loss experience, current conditions, and reasonable and supportable forecasts about the future. We use the following two types of credit loss estimation models: • Econometric loss models, which rely on statistical analyses of our historical loss experience, dependent on economic factors and other loan-level characteristics. Statistically relevant economic factors vary depending on the type of loan, but include variables such as unemployment, real estate price indices, energy prices, and gross domestic product (“GDP”). The models use multiple economic scenarios that reflect optimistic, baseline, and stressed economic conditions. The results derived using these economic scenarios are weighted to produce the credit loss estimate. Management may adjust the weights to reflect their assessment of current conditions and reasonable and supportable forecasts. • Loss models based on our long-term average historical credit loss experience since 2008, which rely on statistical analyses of our historical loss experience, dependent upon loan-level characteristics. Credit loss estimates for the first 12 months of a loan’s remaining life are derived using econometric loss models. Over a subsequent 12-month reversion period, we blend the estimated credit losses from the two model types on a straight-line basis. For the remaining life of the loan, the estimated credit losses are derived from the long-term average historical credit loss models. For loans that do not share risk characteristics with other loans, we estimate lifetime expected credit losses on an individual basis. These include nonaccrual loans with a balance greater than $1 million. When a loan is individually evaluated for expected credit losses, we estimate a specific reserve for the loan based on either the projected present value of the loan’s future cash flows discounted at the loan’s effective interest rate, the observable market price of the loan, or the fair value of the loan’s underlying collateral. When we base the specific reserve on the fair value of the loan’s underlying collateral, we generally charge off the portion of the balance that exceeds the fair value. For these loans, subsequent to the charge-off, if the fair value of the loan’s underlying collateral increases according to an updated appraisal, we establish a negative reserve up to the lesser of the amount of the charge-off or the updated fair value. The methodologies described previously generally rely on historical loss information to help determine the quantitative portion of the ACL. We also consider other qualitative and environmental factors related to current conditions and reasonable and supportable forecasts that may indicate current expected credit losses could differ from the historical information reflected in our quantitative models. Thus, after applying historical loss experience, we review the quantitative portion of ACL for each portfolio segment. We then monitor various qualitative risk factors that influence our judgment regarding the level of the ACL across the portfolio segments. These factors primarily include: • Actual and expected changes in international, national, regional, and local economic and business conditions and developments; • The volume and severity of past due loans, the volume of nonaccrual loans, and the volume and severity of adversely classified or graded loans; • Lending policies and procedures, including changes in underwriting standards and practices for collection, charge-off, and recovery; • The experience, ability, and depth of lending management and other relevant staff; • The nature and volume of the portfolio; • The quality of the credit review function; • The existence, growth, and effect of any concentration of credit; • The effect of other external factors such as regulatory, legal, and technological environments; fiscal and monetary actions; competition; and events such as natural disasters and pandemics. The magnitude of the impact of these factors on our qualitative assessment of the ACL changes from quarter to quarter based on management's assessment of these factors, the extent to which these factors are already reflected in quantitative loss estimates, and the extent to which changes in these factors diverge from one to another. We also consider the uncertainty and imprecision inherent in the estimation process when evaluating the ACL. Off-balance Sheet Credit Exposures We estimate current expected credit losses for off-balance sheet loan commitments, including letters of credit that are not unconditionally cancellable. This estimate uses the same procedures and methodologies described previously for loans and is calculated as the difference between the estimated current expected credit loss and the funded balance, if greater than zero.
Derivative Instruments	Objectives for Using Derivatives Our primary objective for using derivatives is to manage interest rate risk. We utilize derivatives to manage volatility in interest income, interest expense, earnings, and capital by adjusting our interest rate sensitivity to minimize the impact of interest rate fluctuations. Derivatives are employed to stabilize forecasted interest income from variable-rate assets and to modify the coupon or duration of fixed-rate financial assets or liabilities as deemed advisable. Additionally, we assist customers with their risk management needs through the use of derivatives. Derivatives Related to Interest Rate Risk Management — We apply hedge accounting to certain derivatives executed for risk management purposes. However, not all derivatives involved in our risk management activities are designated for hedge accounting. Derivatives not designated as accounting hedges are used to economically manage our exposure to interest rate movements, including offsetting customer-facing derivatives. These derivatives are not used for speculative purposes. These derivatives either do not require hedge accounting for their economic impact to be appropriately reflected in our financial statements or they do not meet the strict hedge accounting requirements. Derivatives Related to Customers — We provide certain borrowers with access to over-the-counter interest rate derivatives, which we generally offset with interest rate derivatives executed with dealers or central clearing houses. Other interest rate derivatives that we offer to customers, or use for our own purposes, include mortgage rate locks and forward sale loan commitments. Additionally, we provide commercial customers with short-term foreign currency spot trades or forward contracts, typically with maturities of 90 days or less. These trades are largely offset by foreign currency trades with closely matching terms executed with other dealer counterparties or central clearing houses. Accounting for Derivatives We record all derivatives at fair value, and include them in “Other assets” or “Other liabilities” on the consolidated balance sheet, regardless of their accounting designation. We enter into International Swaps and Derivatives Association, Inc. (“ISDA”) master netting agreements, or similar agreements, with substantially all derivative counterparties. Where legally enforceable, these agreements grant us the right, in the event of default or other specified contingent events by the counterparty, to use cash or liquidate securities held as collateral and to offset receivables and payables with the same counterparty. For the consolidated balance sheet, we report all derivatives on a gross fair value basis, meaning we do not offset derivative assets, liabilities, and cash collateral held with the same counterparty, even where we have a legally enforceable master netting agreement. Note 3 discusses the process for estimating fair value for derivatives. The accounting for changes in the fair value of derivatives depends on their intended use and resulting accounting designation. Collateral and Credit Risk Credit risk arises from the possibility of nonperformance by counterparties. No significant losses on derivative instruments occurred during 2024 as a result of counterparty nonperformance. We manage our counterparty exposure for derivative contracts by centrally clearing all eligible derivatives and by executing dealer-facing derivative transactions with well-capitalized financial institutions. For derivatives that are not centrally cleared, the counterparties are typically financial institutions or our customers. For financial institution counterparties, we manage our credit exposure through the use of a Credit Support Annex (“CSA”) to an ISDA master agreement with each counterparty. Eligible collateral types are documented by the CSA and controlled under our general credit policies. Collateral and derivative exposure balances are typically monitored on a daily basis. At December 31, 2024, all variation margin posted or received pursuant to the collateral terms of a CSA was in cash. We generally satisfy initial margin requirements by posting securities when permitted by the terms of the CSA. We provide interest rate swaps to our customers to help them manage their exposure to fluctuations in interest rates. Upon issuance, these customer swaps are offset with closely matching derivative contracts to mitigate our interest rate risk exposure. The fee income from these customer swaps is included in “Capital markets fees” on the consolidated statement of income. We manage the credit risk associated with customer nonperformance through additional underwriting processes. These processes include modeling the credit risk exposure for the swap, utilizing shared collateral and guarantee protection applicable to the loan, and implementing credit approvals, limits, and monitoring procedures. We measure counterparty credit risk by calculating a CVA, which captures the value of nonperformance risk for both our customers and ourselves. Periodic changes in the net CVA are recorded in current period earnings and included in “Fair value and nonhedge derivative income or loss” on the consolidated statement of income. Our derivative contracts require us to pledge collateral for derivatives in a net liability position. Certain derivative contracts include credit risk-related contingent features, such as the requirement to maintain a minimum debt credit rating. If a credit risk-related feature were triggered, such as a downgrade of our credit rating, we may be required to pledge additional collateral. Historically, not all counterparties have demanded additional collateral when contractually permitted. At December 31, 2024, the fair value of our derivative liabilities was $350 million, for which we pledged approximately $3 million in cash collateral in the normal course of business to satisfy variation margin requirements. Additionally, we pledged $180 million in U.S. Treasuries to satisfy initial margin requirements with certain dealer counterparties and central clearing houses. If our credit rating were downgraded one notch by either Standard and Poor’s (“S&P”) or Moody’s at December 31, 2024, it is unlikely that additional collateral would be required to be pledged. Derivatives that are centrally cleared do not have credit risk-related features requiring additional collateral in the event of a credit rating downgrade.
Derivatives Designated in Qualifying Hedging Relationships	We apply hedge accounting to certain derivatives executed for risk management purposes, primarily interest rate risk. To qualify for hedge accounting, a derivative must be highly effective at reducing the risk associated with the exposure being hedged, and the hedging relationship must be formally documented. We primarily use regression analysis to assess the effectiveness of each hedging relationship, unless the hedge qualifies for other methods of assessing effectiveness (e.g., shortcut or critical terms match), both at inception and on an ongoing basis. We designate derivatives as fair value and cash flow hedges for accounting purposes. Derivatives designated as accounting hedges are formally documented at the inception of the hedging relationship. This documentation includes the relationship between the hedging instrument and the hedged items or transactions, the risk management objective and strategy, and the methodology that will be used at inception and on an ongoing basis to assess the effectiveness of the hedging relationship. This ensures the hedge remains highly effective at offsetting changes in fair value or cash flows of the hedged items or transactions. If a hedging relationship is determined to no longer be highly effective, hedge accounting is discontinued prospectively. Derivatives used to hedge the exposure to changes in the fair value of assets, liabilities, or firm commitments attributable to interest rates or other eligible risks, are considered fair value hedges. Derivatives used to hedge the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Changes in the fair value of derivatives that are not part of designated fair value or cash flow hedging relationships are recorded in current period earnings. Fair Value Hedges — We generally use interest rate swaps designated as fair value hedges to mitigate changes in the fair value of fixed-rate assets and liabilities for specific risks, such as interest rate risk resulting from changes in a benchmark interest rate. We employ both pay-fixed, receive-floating and received-fixed, pay-floating interest rate swaps to effectively convert certain fixed-rate assets and liabilities to floating rates. In qualifying fair value hedges, changes in value of the derivative hedging instrument are recognized in current period earnings in the same line item affected by the hedged item. Similarly, the periodic changes in value of the hedged item, for the risk being hedged, are recognized in current period earnings, thereby offsetting all, or a significant majority, of the change in the value of the derivative hedging instrument. Interest accruals on both the derivative hedging instrument and the hedged item are recorded in the same line item, effectively converting the designated fixed-rate assets or liabilities to a floating rate. Generally, the designated risk being hedged in all of our fair value hedges is the change in fair value of the secured overnight financing rate (“SOFR”) (or an alternative rate) benchmark swap rate component of the contractual coupon cash flows of the fixed-rate assets or liabilities. The swaps are structured to match the critical terms of the hedged items, maximizing the economic and accounting effectiveness of the hedging relationships and resulting in the expectation that the swaps will be highly effective as hedging instruments. All interest rate swaps designated as fair value hedges were highly effective and met all other requirements to remain designated and part of qualifying hedge accounting relationships as of the balance sheet date. Fair Value Hedges of Liabilities — During the fourth quarter of 2024, we entered into a receive-fixed, pay-floating interest rate swap with a notional amount of $500 million to hedge the interest rate risk of a fixed-rate subordinated debt issuance. The receive-fixed interest rate swap effectively converts the interest on our fixed-rate debt to floating through the term of the hedging relationship. Changes in the fair value of the derivative designated as a fair value hedge of our fixed-rate debt were generally offset by changes in the fair value of the hedged debt instruments. We continue to have unamortized basis adjustments related to a previously terminated fair value hedge of fixed-rate debt as discussed in the schedule below. The unamortized basis adjustments from the previously terminated fair value hedge will be amortized over the remaining life of the fixed-rate debt, which matures in 2029. See Note 13 for more information on the hedged debt. Fair Value Hedges of Assets — At December 31, 2024, we had $1.0 billion in aggregate notional amount of pay-fixed, receive-floating interest rate swaps designated as a fair value hedge of a defined portfolio of fixed-rate commercial loans. These swaps were designated in accordance with the portfolio layer method described in ASU 2022-01, Derivatives and Hedging (Topic 815): Fair Value Hedging—Portfolio Layer Method. Additionally, we had $2.5 billion in aggregate notional amount of pay-fixed swaps designated under the portfolio layer method as fair value hedges of a defined portfolio of fixed-rate AFS securities. At December 31, 2024, we also had pay-fixed, receive-floating interest rate swaps with an aggregate notional amount of $1.2 billion designated as fair value hedges of specifically identified AFS securities. Fair value hedges of fixed-rate assets effectively convert certain fixed-rate financial assets to a floating rate on the hedged portion of the assets. Changes in fair value of derivatives designated as fair value hedges of fixed-rate financial assets were largely offset by changes in the value of the hedged assets, as presented in the schedules below. Cash Flow Hedges — For derivatives designated and qualifying as cash flow hedges, as long as the hedging relationship continues to qualify for hedge accounting, the entire change in the fair value of the hedging instrument is recorded in OCI and recognized in earnings, as the hedged transaction affects earnings. Ineffectiveness is not measured or separately disclosed. Gains or losses on derivatives designated as cash flow hedges are recognized in the same financial statement line item as the hedged transactions. We may use interest rate swaps, options, or a combination of options in our cash flow hedging strategy to eliminate or reduce the variability of interest receipts on floating-rate commercial loans and interest payments on floating-rate debt due to changes in any separately identifiable and reliably measurable contractual interest rate index. At December 31, 2024, we had receive-fixed interest rate swaps with an aggregate notional amount of $550 million designated as cash flow hedges of the variability of interest receipts on floating-rate commercial loans. At December 31, 2024, we had $94 million of net losses deferred in AOCI related to terminated cash flow hedges. Amounts deferred in AOCI from terminated cash flow hedges will be amortized into interest income on a straight-line basis through the original maturity dates of the hedges, provided the hedged forecasted transactions continue to be expected to occur. These amounts will be fully reclassified to interest income by the fourth quarter of 2027. Additionally, at December 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 interest payments on certain FHLB advances. Hedge Effectiveness — We assess the effectiveness of each hedging relationship by comparing the changes in fair value or cash flows on the derivative hedging instrument with the changes in fair value or cash flows on the designated hedged item or transactions for the risk being hedged. If a hedging relationship ceases to qualify for hedge accounting, the relationship is discontinued, and future changes in the fair value of the derivative instrument are recognized in current period earnings. For a discontinued or terminated fair value hedging relationship, all remaining basis adjustments to the carrying amount of the hedged item are amortized into interest income or expense over the remaining life of the hedged item, consistent with the amortization of other discounts or premiums. Previous balances deferred in AOCI from discontinued or terminated cash flow hedges are reclassified into interest income or expense as the hedged transactions affect earnings or over the originally specified term of the hedging relationship.
Leases	All leases with lease terms greater than twelve months are reported as a lease liability with a corresponding right-of-use (“ROU”) asset. We include ROU assets for operating leases and finance leases in “ Other assets Premises, equipment and software, net Other liabilities Long-term debt, ROU assets and related lease liabilities reflect the present value of the future minimum lease payments over the lease term at commencement date. Since most of our leases do not provide an implicit rate, we use our secured incremental borrowing rate, which is commensurate with the lease term, to calculate the present value of future payments. The ROU asset also includes any lease prepayments, initial direct costs, amortization, and certain nonlease components, such as maintenance, utilities, or tax payments. Our lease terms incorporate options to extend or terminate the lease when it is reasonably certain that we will exercise these options.
Premises, Equipment, and Software, Net	Premises, equipment, and software are reported at cost, net of accumulated depreciation and amortization. Depreciation, primarily calculated using the straight-line method, is allocated to operations over the estimated useful lives of the assets: generally 25 to 40 years for buildings, three three
Goodwill	Goodwill is recorded upon the completion of a business combination as the difference between the purchase price and the fair value of the net assets acquired. We perform an evaluation annually as of October 1, or more frequently if events or circumstances indicate that the carrying value exceeds fair value. We may elect to perform a qualitative analysis to determine if it is more likely than not that the fair value of our reporting unit is less than its carrying amount. If the carrying amount is more likely than not to exceed its fair value, additional quantitative analysis is performed to determine the amount of goodwill impairment. If the fair value is less than the carrying value, an impairment is recorded for the difference.
Commitments and Guarantees	We utilize various financial instruments, including loan commitments, commercial letters of credit, and standby letters of credit, to meet our customers’ financing needs. They involve varying degrees of credit, liquidity, and interest rate risk beyond the amounts presented on the consolidated balance sheet. The credit risk associated with these commitments is assessed similarly to the ALLL. The RULC is presented separately on the consolidated balance sheet.
Revenue from Contract with Customer	Noninterest income and revenue from contracts with customers are recognized when control of the promised goods or services is transferred to our customers, in an amount that reflects the consideration to which we expect to be entitled in exchange for those goods or services. The incremental cost of obtaining a contract is recorded as an expense when incurred, provided the amortization period of the related asset is one year or less. For performance obligations satisfied over time, if we have the right to consideration from a customer that corresponds directly with the value of our performance completed to date, we generally recognize revenue in the amount to which we have the right to invoice. We generally do not disclose information about our remaining performance obligations for those obligations with an original expected duration of one year or less, or where revenue is recognized in the amount to which we have a right to invoice. The following describes our revenue from contracts with customers: Commercial Account Fees Commercial account fee income consists primarily of account analysis fees, merchant fees, and payroll services income. Revenue is recognized as the services are rendered or upon their completion. Card Fees Card fee income primarily includes interchange fees from credit and debit cards, net fees earned from processing card transactions for merchants, and automated teller machine (“ATM”) services. Revenue from card fees is recognized as it is earned. Retail and Business Banking Fees Retail and business banking fees generally consist of fees for providing customers with deposit services. These fees primarily include insufficient funds fees, noncustomer ATM charges, and various other fees on deposit accounts. Service charges on deposit accounts include fees earned in lieu of compensating balances, as well as fees for performing cash management and other deposit account services. These service charges are recognized over the period in which the related service is provided. Treasury management fees are billed monthly based on services rendered during the month. Capital Markets Fees Capital markets fees primarily include fees associated with municipal advisory, securities underwriting, and investment banking advisory services provided to customers. Revenue is recognized either as the services are rendered or upon their completion. Wealth Management Fees Wealth management fees primarily consist of wealth management commissions, along with other portfolio and advisory services. Revenue is recognized as the services are rendered or upon their completion. Financial planning, fiduciary, and estate services generally have performance obligations extending beyond 12 months, although the amount of future performance obligations is not significant. Other Customer-related Fees Other customer-related fees generally include miscellaneous income sources, including fees associated with compliance and support services to pharmacies and healthcare providers, corporate trust fees, other advisory and referral fees, and fees for claims and inventory management services for certain customers. Revenue is recognized as the services are rendered or upon their completion.
Share-based Compensation	All share-based payments to employees, including grants of employee stock options, are recorded as compensation expense based on their grant date values, taking into account service and performance vesting requirements. The value of an equity award is estimated on the grant date using a fair value model, which considers post-vesting restrictions, but does not account for service or performance vesting conditions. We classify all share-based awards as equity instruments. Compensation expense is included in “Salaries and employee benefits” on the consolidated statement of income, with the corresponding equity effect included in shareholders ’ equity. Forfeitures of share-based compensation awards are accounted for as they occur. Substantially all share-based awards, including stock options, restricted stock, and RSUs, feature graded vesting, which is recognized on a straight-line basis over the vesting period.
Income Taxes	Deferred tax assets (“DTAs”) and deferred tax liabilities (“DTLs”) are calculated based on temporary differences between the financial statement values of assets and liabilities and their respective tax basis, using enacted tax laws and rates. Any changes in tax rates affecting DTAs and DTLs are recognized in income during the period that includes the enactment date. DTAs are recognized to the extent that management considers it more likely than not that they will be realized. Unrecognized tax benefits for uncertain tax positions primarily relate to tax credits on technology initiatives.
Net Earnings Per Common Share	Net earnings per common share are based on net earnings applicable to common shareholders, net of preferred stock dividends. Basic net earnings per common share are calculated using the weighted average number of outstanding common shares during each year. Unvested share-based awards with rights to receive nonforfeitable dividends are considered participating securities and included in the computation of basic earnings per share. Diluted net earnings per common share are based on the weighted average number of outstanding common shares during each year, including common stock equivalents. Stock options, restricted stock, RSUs, and stock warrants are converted to common stock equivalents using the more dilutive of the treasury stock method or the two-class method. Diluted net earnings per common share exclude common stock equivalents whose effect is antidilutive.

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Schedule of Significant Accounting Policy Footnote Locations	The following schedule references other significant accounting policies and the Note and page where a description of each policy can be found: Fair value Note 3 page 98 Goodwill and other intangible assets Note 10 page 133 Offsetting assets and liabilities Note 4 page 104 Long-term debt Note 13 page 135 Investment securities Note 5 page 104 Commitments, guarantees, contingent liabilities, and related parties Note 16 page 140 Loans and allowance for credit losses Note 6 page 109 Revenue from contracts with customers Note 17 page 142 Derivative instruments and hedging activities Note 7 page 125 Share-based compensation Note 19 page 145 Leases Note 8 page 131 Income taxes Note 20 page 148 Premises, equipment, and software Note 9 page 132 Net earnings per common share Note 21 page 150

RECENT ACCOUNTING PRONOUNCEME_2

RECENT ACCOUNTING PRONOUNCEMENTS (Tables)	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Schedule of Recent Accounting Pronouncements	Standard Description Effective date Effect on the financial statements or other significant matters Standards not yet adopted by the Bank as of December 31, 2024 ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures This accounting standards update (“ASU”) requires additional detailed information to improve the usefulness of income tax disclosures. This includes providing detailed annual disclosures on rate reconciliation and income taxes paid for specific categories and when certain quantitative thresholds are met. January 1, 2025 The overall effect of this standard is not expected to have a material impact on our financial statements. ASU 2024-03, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40) This ASU requires additional disclosures of certain costs and expenses in both interim and annual reporting periods, including: • Amounts of employee compensation, depreciation, and intangible asset amortization included in certain expense lines presented on the face of the income statement within continuing operations. • A qualitative description of the amounts remaining in relevant expense captions that are not separately disaggregated quantitatively. • The Bank's definition and amount of selling costs. Annual periods beginning January 1, 2027; Interim periods beginning January 1, 2028 We are evaluating the new disclosure requirements. The overall effect of this standard is not expected to have a material impact on our financial statements. Standards adopted by the Bank in 2024 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 application of the proportional amortization method (“PAM”), which was previously limited to investments in low-income housing tax credit (“LIHTC”) structures. It now includes any eligible equity investments primarily made to receive income tax credits and other tax benefits, provided certain criteria are met. Under PAM, the investment cost is amortized in proportion to the income tax credits and other income tax benefits received. The amortization of the investment and the income tax credits are presented net on the consolidated statement of income as a component of income tax expense (benefit). This ASU allows for an accounting policy election to apply PAM on a tax-credit-program-by-tax-credit-program basis. The ASU also includes additional disclosure requirements for 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. Standards adopted by the Bank in 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 included in the unit of account of the equity security, and therefore, are not considered when measuring fair value. The amendments specify that the Bank cannot recognize and measure a contractual sale restriction as a separate unit of account. Additionally, the ASU requires further 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 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures This ASU expands operating segment disclosures and requires all segment disclosures to be reported in both annual and interim periods. The new standard requires disclosure of the following: • Significant segment expenses that are regularly provided to the chief operating decision maker (“CODM”) for reportable segments; • The title and position of the CODM as well as how the CODM uses the reported measure(s) of profit and loss to assess segment performance; and • “Other segment items” by reportable segment and a description of its composition. Annual periods beginning January 1, 2024; Interim periods beginning January 1, 2025 We adopted the new standard on January 1, 2024. The adoption of this standard did not have a material effect on our financial statements. See Note 22 of the Notes to Consolidated Financial Statements.

FAIR VALUE (Tables)

FAIR VALUE (Tables)	12 Months Ended
	Dec. 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: December 31, 2024 (In millions) Level 1 Level 2 Level 3 Total ASSETS Trading securities $ — $ 35 $ — $ 35 Available-for-sale securities: U.S. Treasury, agencies, and corporations 662 7,300 7,962 Municipal securities 1,108 1,108 Other debt securities 25 25 Total available-for-sale 662 8,433 — 9,095 Loans held for sale 25 25 Other noninterest-bearing investments: Bank-owned life insurance 562 562 Private equity investments 1 3 105 108 Other assets: Agriculture loan servicing 20 20 Deferred compensation plan assets 149 149 Derivatives 446 446 Total assets $ 814 $ 9,501 $ 125 $ 10,440 LIABILITIES Fed funds and other short-term borrowings: Securities sold, not yet purchased $ 21 $ — $ — $ 21 Other liabilities: Derivatives 350 350 Total liabilities $ 21 $ 350 $ — $ 371 December 31, 2023 (In millions) Level 1 Level 2 Level 3 Total ASSETS Trading securities $ — $ 48 $ — $ 48 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 Loans held for sale 43 43 Other noninterest-bearing investments: Bank-owned life insurance 553 553 Private equity investments 1 3 92 95 Other assets: Agriculture loan servicing 19 19 Deferred compensation plan assets 124 124 Derivatives 420 420 Total assets $ 619 $ 10,872 $ 111 $ 11,602 LIABILITIES Fed funds and other short-term borrowings: Securities sold, not yet purchased $ 65 $ — $ — $ 65 Other liabilities: Derivatives 333 333 Total liabilities $ 65 $ 333 $ — $ 398 1 The level 1 PEIs generally relate to the portion of our SBIC investments and other similar investments that are publicly traded.
Schedule of Assets and Liabilities Measured At Fair Value By Class on a Recurring Basis Using Level 3 Inputs	The following schedule presents a roll-forward of assets and liabilities that are measured at fair value on a recurring basis using Level 3 inputs: Level 3 Instruments December 31, 2024 December 31, 2023 December 31, 2022 (In millions) Private Ag loan servicing Private Ag loan servicing Private Ag loan servicing Balance at beginning of year $ 92 $ 19 $ 81 $ 14 $ 66 $ 12 Unrealized securities gains (losses), net 9 — (2) — 3 — Other noninterest income — 1 — 5 — 2 Purchases 11 — 14 — 16 — Cost of investments sold (7) — (1) — (3) — Redemptions and paydowns — — — — — — Transfers out — — — — (1) — Balance at end of year $ 105 $ 20 $ 92 $ 19 $ 81 $ 14
Schedule of Realized Gain (Loss)	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) Year Ended December 31, 2024 2023 2022 Securities gains (losses), net $ 1 $ (1) $ (2)
Schedule of Carrying Values and Estimated Fair Values of Financial Instruments	The following schedule presents the carrying values and estimated fair values of certain financial instruments: December 31, 2024 December 31, 2023 (In millions) Carrying Fair value Level Carrying Fair value Level Financial assets: Held-to-maturity investment securities $ 9,669 $ 9,382 2 $ 10,382 $ 10,466 2 Loans and leases (including loans held for sale), net of allowance 58,788 57,130 3 57,148 54,832 3 Financial liabilities: Time deposits 11,482 11,468 2 9,996 9,964 2 Long-term debt 950 950 2 542 494 2

OFFSETTING ASSETS AND LIABILI_2

OFFSETTING ASSETS AND LIABILITIES (Tables)	12 Months Ended
	Dec. 31, 2024
Offsetting [Abstract]
Schedule of Offsetting Assets and Liabilities	The following schedule presents gross and net information for selected financial instruments on the balance sheet: December 31, 2024 (In millions) Gross amounts not offset on the balance sheet Description Gross amounts recognized Gross amounts offset on the balance sheet Net amounts presented on the balance sheet Financial instruments Cash collateral received/pledged Net amount Assets: Federal funds sold and securities purchased under agreements to resell $ 1,453 $ — $ 1,453 $ — $ — $ 1,453 Derivatives (included in Other assets 446 — 446 (19) (404) 23 Total assets $ 1,899 $ — $ 1,899 $ (19) $ (404) $ 1,476 Liabilities: Federal funds and other short-term borrowings $ 3,832 $ — $ 3,832 $ — $ — $ 3,832 Derivatives (included in Other liabilities 350 — 350 (19) (3) 328 Total liabilities $ 4,182 $ — $ 4,182 $ (19) $ (3) $ 4,160 December 31, 2023 (In millions) Gross amounts not offset on the balance sheet Description Gross amounts recognized Gross amounts offset on the balance sheet Net amounts presented on the balance sheet Financial instruments Cash collateral received/pledged Net amount Assets: Federal funds sold and securities purchased under agreements to resell $ 1,170 $ (233) $ 937 $ — $ — $ 937 Derivatives (included in Other assets 420 — 420 (31) (357) 32 Total assets $ 1,590 $ (233) $ 1,357 $ (31) $ (357) $ 969 Liabilities: Federal funds and other short-term borrowings $ 4,612 $ (233) $ 4,379 $ — $ — $ 4,379 Derivatives (included in Other liabilities 333 — 333 (31) (1) 301 Total liabilities $ 4,945 $ (233) $ 4,712 $ (31) $ (1) $ 4,680
Schedule of Offsetting Assets and Liabilities	The following schedule presents gross and net information for selected financial instruments on the balance sheet: December 31, 2024 (In millions) Gross amounts not offset on the balance sheet Description Gross amounts recognized Gross amounts offset on the balance sheet Net amounts presented on the balance sheet Financial instruments Cash collateral received/pledged Net amount Assets: Federal funds sold and securities purchased under agreements to resell $ 1,453 $ — $ 1,453 $ — $ — $ 1,453 Derivatives (included in Other assets 446 — 446 (19) (404) 23 Total assets $ 1,899 $ — $ 1,899 $ (19) $ (404) $ 1,476 Liabilities: Federal funds and other short-term borrowings $ 3,832 $ — $ 3,832 $ — $ — $ 3,832 Derivatives (included in Other liabilities 350 — 350 (19) (3) 328 Total liabilities $ 4,182 $ — $ 4,182 $ (19) $ (3) $ 4,160 December 31, 2023 (In millions) Gross amounts not offset on the balance sheet Description Gross amounts recognized Gross amounts offset on the balance sheet Net amounts presented on the balance sheet Financial instruments Cash collateral received/pledged Net amount Assets: Federal funds sold and securities purchased under agreements to resell $ 1,170 $ (233) $ 937 $ — $ — $ 937 Derivatives (included in Other assets 420 — 420 (31) (357) 32 Total assets $ 1,590 $ (233) $ 1,357 $ (31) $ (357) $ 969 Liabilities: Federal funds and other short-term borrowings $ 4,612 $ (233) $ 4,379 $ — $ — $ 4,379 Derivatives (included in Other liabilities 333 — 333 (31) (1) 301 Total liabilities $ 4,945 $ (233) $ 4,712 $ (31) $ (1) $ 4,680

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2024
Investments [Abstract]
Summary of Investment Securities	The following schedule presents the amortized cost and estimated fair values of our AFS and HTM securities: December 31, 2024 (In millions) Amortized Gross unrealized gains 1 Gross Estimated Available-for-sale U.S. Treasury securities $ 781 $ — $ 119 $ 662 U.S. Government agencies and corporations: Agency securities 441 — 26 415 Agency guaranteed mortgage-backed securities 7,713 1 1,263 6,451 Small Business Administration loan-backed securities 455 — 21 434 Municipal securities 1,186 — 78 1,108 Other debt securities 25 — — 25 Total available-for-sale 10,601 1 1,507 9,095 Held-to-maturity U.S. Government agencies and corporations: Agency securities 148 — 8 140 Agency guaranteed mortgage-backed securities 9,202 2 263 8,941 Municipal securities 319 — 18 301 Total held-to-maturity 9,669 2 289 9,382 Total investment securities $ 20,270 $ 3 $ 1,796 $ 18,477 December 31, 2023 (In millions) Amortized Gross unrealized gains 1 Gross Estimated 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 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 Total 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 remaining contractual maturity of principal payments at December 31, 2024. It does not incorporate interest rate resets and fair value hedges. The remaining contractual principal maturities do not reflect the duration of the portfolio, which includes amortization and expected prepayments; these effects result in measured durations shorter than contractual maturities. December 31, 2024 Total debt securities Due in one year or less Due after one year through five years Due after five years through ten years Due after ten years (Dollar amounts in millions) Amortized cost Average yield Amortized cost Average yield Amortized cost Average yield Amortized cost Average yield Amortized cost Average yield Available-for-sale U.S. Treasury securities $ 781 3.28 % $ 179 4.41 % $ 101 4.00 % $ 100 4.23 % $ 401 2.35 % U.S. Government agencies and corporations: Agency securities 441 3.09 74 2.99 44 3.83 195 2.92 128 3.14 Agency guaranteed mortgage-backed securities 7,713 2.02 18 1.25 105 2.04 1,390 2.09 6,200 2.00 Small Business Administration loan-backed securities 455 4.78 1 7.46 13 5.74 122 3.91 319 5.07 Municipal securities 1 1,186 2.27 176 3.27 315 2.53 674 1.89 21 2.30 Other debt securities 25 8.34 — — 10 9.51 — — 15 7.56 Total available-for-sale securities 10,601 2.32 448 3.61 588 2.98 2,481 2.28 7,084 2.20 Held-to-maturity U.S. Government agencies and corporations: Agency securities 148 4.18 — — — — — — 148 4.18 Agency guaranteed mortgage-backed securities 9,202 1.84 — — — — 41 1.89 9,161 1.84 Municipal securities 1 319 3.22 34 3.49 132 2.93 140 3.32 13 4.25 Total held-to-maturity securities 9,669 1.92 34 3.49 132 2.93 181 3.00 9,322 1.88 Total investment securities $ 20,270 2.13 $ 482 3.60 $ 720 2.97 $ 2,662 2.33 $ 16,406 2.02 1 The yields on tax-exempt securities are calculated on a tax-equivalent basis.
Debt Securities, Available-for-Sale	The following schedule presents gross unrealized losses for AFS securities and the estimated fair value, categorized by the length of time the securities have been in an unrealized loss position: December 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 $ 3 $ 198 $ 116 $ 285 $ 119 $ 483 U.S. Government agencies and corporations: Agency securities — 3 26 403 26 406 Agency guaranteed mortgage-backed securities — 86 1,263 6,171 1,263 6,257 Small Business Administration loan-backed securities — 35 21 387 21 422 Municipal securities — 68 78 984 78 1,052 Other — — — — — — Total available-for-sale investment securities $ 3 $ 390 $ 1,504 $ 8,230 $ 1,507 $ 8,620 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 investment securities gains and losses recognized in income: 2024 2023 2022 (In millions) Gross Gross Gross Gross Gross Gross Available-for-sale $ — $ — $ 72 $ 72 $ — $ —
Interest Income by Security Type	The following schedule presents interest income categorized by investment security type: (In millions) 2024 2023 2022 Taxable Nontaxable Total Taxable Nontaxable Total Taxable Nontaxable Total Available-for-sale $ 294 $ 31 $ 325 $ 291 $ 31 $ 322 $ 411 $ 40 $ 451 Held-to-maturity 218 4 222 236 3 239 42 4 46 Total investment securities $ 512 $ 35 $ 547 $ 527 $ 34 $ 561 $ 453 $ 44 $ 497

LOANS, LEASES, AND ALLOWANCE _2

LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Tables)	12 Months Ended
	Dec. 31, 2024
Receivables [Abstract]
Summary of Major Portfolio Segment and Specific Loan Class	The following schedule presents our loan and lease portfolio according to major portfolio segment and specific class: December 31, (In millions) 2024 2023 Loans held for sale $ 74 $ 53 Commercial: Commercial and industrial $ 16,891 $ 16,684 Leasing 377 383 Owner-occupied 9,333 9,219 Municipal 4,364 4,302 Total commercial 30,965 30,588 Commercial real estate: Construction and land development 2,774 2,669 Term 10,703 10,702 Total commercial real estate 13,477 13,371 Consumer: Home equity credit line 3,641 3,356 1-4 family residential 9,939 8,415 Construction and other consumer real estate 810 1,442 Bankcard and other revolving plans 457 474 Other 121 133 Total consumer 14,968 13,820 Total loans and leases $ 59,410 $ 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: Twelve Months Ended (In millions) 2024 2023 Loans added to held for sale $ 922 $ 678 Loans sold from held for sale 899 632
Summary of Changes in the Allowance for Credit Losses	The following schedule presents a roll forward of the ACL categorized by loan portfolio segment: December 31, 2024 (In millions) Commercial Commercial Consumer Total Allowance for loan and lease losses Balance at beginning of year $ 302 $ 241 $ 141 $ 684 Provision for loan losses 51 67 (46) 72 Gross loan and lease charge-offs 68 11 12 91 Recoveries 23 3 5 31 Net loan and lease charge-offs (recoveries) 45 8 7 60 Balance at end of year $ 308 $ 300 $ 88 $ 696 Reserve for unfunded lending commitments Balance at beginning of year $ 19 $ 17 $ 9 $ 45 Provision for unfunded lending commitments 7 (6) (1) — Balance at end of year $ 26 $ 11 $ 8 $ 45 Total allowance for credit losses Allowance for loan and lease losses $ 308 $ 300 $ 88 $ 696 Reserve for unfunded lending commitments 26 11 8 45 Total allowance for credit losses $ 334 $ 311 $ 96 $ 741 December 31, 2023 (In millions) Commercial Commercial Consumer Total Allowance for loan and lease losses Balance at beginning of year $ 300 $ 152 $ 120 $ 572 Provision for loan losses 27 92 29 148 Gross loan and lease charge-offs 45 3 14 62 Recoveries 20 — 6 26 Net loan and lease charge-offs (recoveries) 25 3 8 36 Balance at end of year $ 302 $ 241 $ 141 $ 684 Reserve for unfunded lending commitments Balance at beginning of year $ 16 $ 33 $ 12 $ 61 Provision for unfunded lending commitments 3 (16) (3) (16) Balance at end of year $ 19 $ 17 $ 9 $ 45 Total allowance for credit losses Allowance for loan and lease losses $ 302 $ 241 $ 141 $ 684 Reserve for unfunded lending commitments 19 17 9 45 Total allowance for credit losses $ 321 $ 258 $ 150 $ 729
Summary of Nonaccrual Loans	The following schedule presents the amortized cost basis of loans on nonaccrual: December 31, 2024 Amortized cost basis Total amortized cost basis (In millions) with no allowance with allowance Related allowance Commercial: Commercial and industrial $ 45 $ 69 $ 114 $ 19 Leasing — 2 2 1 Owner-occupied 18 13 31 1 Municipal 5 6 11 2 Total commercial 68 90 158 23 Commercial real estate: Term 27 32 59 4 Total commercial real estate 27 32 59 4 Consumer: Home equity credit line 5 25 30 5 1-4 family residential 12 37 49 4 Bankcard and other revolving plans — 1 1 1 Total consumer loans 17 63 80 10 Total $ 112 $ 185 $ 297 $ 37 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 following schedule presents the amount of accrued interest receivables reversed from interest income categorized by loan portfolio segment during the periods presented: Twelve Months Ended (In millions) 2024 2023 2022 Commercial $ 16 $ 10 $ 12 Commercial real estate 5 3 1 Consumer 4 2 — Total $ 25 $ 15 $ 13
Summary of Past Due Loans (Accruing and Nonaccruing)	The following schedules present loans categorized by their past-due or delinquency status: December 31, 2024 (In millions) Current 30-89 days 90+ days Total Total Accruing Nonaccrual loans that are current 1 Commercial: Commercial and industrial $ 16,857 $ 20 $ 14 $ 34 $ 16,891 $ 1 $ 98 Leasing 377 — — — 377 — 2 Owner-occupied 9,309 10 14 24 9,333 3 16 Municipal 4,348 6 10 16 4,364 10 11 Total commercial 30,891 36 38 74 30,965 14 127 Commercial real estate: Construction and land development 2,774 — — — 2,774 — — Term 10,667 2 34 36 10,703 3 28 Total commercial real estate 13,441 2 34 36 13,477 3 28 Consumer: Home equity credit line 3,609 20 12 32 3,641 — 13 1-4 family residential 9,896 16 27 43 9,939 — 15 Construction and other consumer real estate 810 — — — 810 — Bankcard and other revolving plans 453 2 2 4 457 1 — Other 121 — — — 121 — — Total consumer loans 14,889 38 41 79 14,968 1 28 Total $ 59,221 $ 76 $ 113 $ 189 $ 59,410 $ 18 $ 183 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 schedules present the amortized cost of loans and leases categorized by year of origination and by credit quality classifications as monitored by management: December 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 $ 2,479 $ 1,951 $ 1,504 $ 759 $ 387 $ 679 $ 8,043 $ 150 $ 15,952 Special Mention 37 24 47 8 2 34 85 5 242 Accruing Substandard 53 43 200 26 28 21 200 12 583 Nonaccrual 7 13 31 17 1 4 38 3 114 Total commercial and industrial 2,576 2,031 1,782 810 418 738 8,366 170 16,891 Leasing Pass 109 79 94 26 12 36 — — 356 Special Mention — — 2 — — — — — 2 Accruing Substandard 1 3 10 2 1 — — — 17 Nonaccrual — 1 1 — — — — — 2 Total leasing 110 83 107 28 13 36 — — 377 Owner-occupied Pass 1,346 907 1,606 1,657 900 2,097 234 47 8,794 Special Mention 38 — 38 31 2 18 18 1 146 Accruing Substandard 23 28 75 66 25 133 7 5 362 Nonaccrual 5 1 4 1 — 15 5 — 31 Total owner-occupied 1,412 936 1,723 1,755 927 2,263 264 53 9,333 Municipal Pass 604 498 939 960 553 753 — 29 4,336 Special Mention — — — — — — — — Accruing Substandard 10 4 — — — 3 — — 17 Nonaccrual 3 — — 5 — 3 — — 11 Total municipal 617 502 939 965 553 759 — 29 4,364 Total commercial 4,715 3,552 4,551 3,558 1,911 3,796 8,630 252 30,965 December 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 real estate: Construction and land development Pass 361 701 445 4 1 9 680 52 2,253 Special Mention — 22 21 17 — — — 25 85 Accruing Substandard 57 52 249 78 — — — — 436 Nonaccrual — — — — — — — — — Total construction and land development 418 775 715 99 1 9 680 77 2,774 Term Pass 1,687 1,198 2,093 1,278 1,053 1,608 254 175 9,346 Special Mention 48 — 87 — — 5 — — 140 Accruing Substandard 298 105 443 144 13 102 27 26 1,158 Nonaccrual — — 23 — — 10 — 26 59 Total term 2,033 1,303 2,646 1,422 1,066 1,725 281 227 10,703 Total commercial real estate 2,451 2,078 3,361 1,521 1,067 1,734 961 304 13,477 Consumer: Home equity credit line Pass — — — — — — 3,506 99 3,605 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 6 — 6 Nonaccrual — — — — — — 22 8 30 Total home equity credit line — — — — — — 3,534 107 3,641 1-4 family residential Pass 1,062 870 2,959 1,877 925 2,197 — — 9,890 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — 3 8 9 2 27 — — 49 Total 1-4 family residential 1,062 873 2,967 1,886 927 2,224 — — 9,939 Construction and other consumer real estate Pass 157 191 420 34 5 3 — — 810 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total construction and other consumer real estate 157 191 420 34 5 3 — — 810 Bankcard and other revolving plans Pass — — — — — — 453 1 454 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 2 — 2 Nonaccrual — — — — — — 1 — 1 Total bankcard and other revolving plans — — — — — — 456 1 457 Other consumer Pass 52 35 22 8 2 2 — — 121 Special Mention — — — — — — — — — Accruing Substandard — — — — — — — — — Nonaccrual — — — — — — — — — Total other consumer 52 35 22 8 2 2 — — 121 Total consumer 1,271 1,099 3,409 1,928 934 2,229 3,990 108 14,968 Total loans $ 8,437 $ 6,729 $ 11,321 $ 7,007 $ 3,912 $ 7,759 $ 13,581 $ 664 $ 59,410 December 31, 2023 Term Loans Revolving loans amortized cost basis Revolving loans converted to term loans amortized cost basis Amortized cost basis by year of origination (In millions) 2023 2022 2021 2020 2019 Prior Total Commercial: Commercial and industrial Pass $ 2,654 $ 2,420 $ 1,204 $ 639 $ 494 $ 598 $ 7,973 $ 151 $ 16,133 Special Mention 8 98 34 2 20 37 103 — 302 Accruing Substandard 11 18 7 2 19 8 99 3 167 Nonaccrual 5 36 1 2 11 1 21 5 82 Total commercial and industrial 2,678 2,572 1,246 645 544 644 8,196 159 16,684 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 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 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 Total commercial 4,492 5,770 4,436 2,336 1,729 3,201 8,410 214 30,588 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 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 Total commercial real estate 2,571 3,477 2,294 1,634 884 1,482 757 272 13,371 December 31, 2023 Term Loans Revolving loans amortized cost basis Revolving loans converted to term loans amortized cost basis Amortized cost basis by year of origination (In millions) 2023 2022 2021 2020 2019 Prior Total Consumer: Home equity credit line Pass — — — — — — 3,237 97 3,334 Special Mention — — — — — — — — — Accruing Substandard — — — — — — 4 1 5 Nonaccrual — — — — — — 15 2 17 Total home equity credit line — — — — — — 3,256 100 3,356 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 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 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 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 Total consumer 1,092 3,306 2,044 1,012 609 1,927 3,729 101 13,820 Total loans $ 8,155 $ 12,553 $ 8,774 $ 4,982 $ 3,222 $ 6,610 $ 12,896 $ 587 $ 57,779 The following schedules present gross charge-offs categorized by year of loan origination for the periods presented: December 31, 2024 Term loans Revolving loans Revolving loans converted to term loans gross charge-offs Gross charge-offs by year of loan origination (In millions) 2024 2023 2022 2021 2020 Prior Total Commercial: Commercial and industrial $ — $ 3 $ 19 $ 2 $ — $ 9 $ 30 $ 4 $ 67 Owner-occupied — — 1 — — — — — 1 Total commercial — 3 20 2 — 9 30 4 68 Commercial real estate: Term — 7 4 — — — — — 11 Consumer: Home equity credit line — — — — — — 1 — 1 1-4 family residential — — — — — 1 — — 1 Bankcard and other revolving plans — — — — — — 8 — 8 Other — — — — — 2 — — 2 Total consumer — — — — — 3 9 — 12 Total gross charge-offs $ — $ 10 $ 24 $ 2 $ — $ 12 $ 39 $ 4 $ 91 December 31, 2023 Term loans Revolving loans Revolving loans converted to term loans gross charge-offs Gross charge-offs by year of loan origination (In millions) 2023 2022 2021 2020 2019 Prior Total Commercial: Commercial and industrial $ 1 $ 10 $ 6 $ — $ — $ 2 $ 24 $ 2 $ 45 Commercial real estate: Construction and land development — — — — 1 — — — 1 Term — 2 — — — — — — 2 Total commercial real estate — 2 — — 1 — — — 3 Consumer: Home equity credit line — — — — — — 3 — 3 1-4 family residential — — — — — 2 — — 2 Bankcard and other revolving plans — — — — — — 9 — 9 Total consumer — — — — — 2 12 — 14 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 following schedule presents the amortized cost of loans to borrowers experiencing financial difficulty that were modified during the period, categorized by loan class and modification type: Twelve Months Ended December 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 $ 19 $ 37 $ — $ 1 $ 48 $ 105 0.6 % Owner-occupied — 12 — — — 12 0.1 Municipal — 11 — — — 11 0.3 Total commercial 19 60 — 1 48 128 0.4 Commercial real estate: Construction and land development — 18 — — 25 43 1.6 Term — 179 — — 110 289 2.7 Total commercial real estate — 197 — — 135 332 2.5 Consumer: Home equity credit line — — 1 — 1 2 0.1 1-4 family residential — — 2 — 5 7 0.1 Bankcard and other revolving plans — — — — 1 1 0.2 Total consumer loans — — 3 — 7 10 0.1 Total $ 19 $ 257 $ 3 $ 1 $ 190 $ 470 0.8 Twelve Months Ended December 31, 2023 Amortized cost associated with (Dollar amounts in millions) Interest Maturity Principal Payment Multiple modification types 1 Total 2 Percentage of total loans 3 Commercial: Commercial and industrial $ — $ 46 $ — $ 1 $ — $ 47 0.3 % Owner-occupied 4 9 — 1 — 14 0.2 Municipal — 8 — — — 8 0.2 Total commercial 4 63 — 2 — 69 0.2 Commercial real estate: Construction and land development — 27 — — — 27 1.0 Term — 165 — — — 165 1.5 Total commercial real estate — 192 — — — 192 1.4 Consumer: 1-4 family residential — — 1 — 1 2 — Bankcard and other revolving plans — 1 — — — 1 0.2 Total consumer loans — 1 1 — 1 3 — Total $ 4 $ 256 $ 1 $ 2 $ 1 $ 264 0.5 1 Includes modifications that resulted from a combination of interest rate reduction, maturity or term extension, principal forgiveness, and payment deferral modifications. At December 31, 2024, $185 million included in multiple modification types were both interest rate reductions and maturity or term extensions. 2 Unfunded lending commitments related to loans modified to borrowers experiencing financial difficulty totaled $11 million and $22 million at December 31, 2024 and 2023, respectively. 3 Amounts less than 0.05% are rounded to zero. The following schedule presents the financial impact of loan modifications to borrowers experiencing financial difficulty during the twelve months ended December 31, 2024 and 2023: Twelve Months Ended Twelve 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 0.7 % 7 — % 13 Owner-occupied 1 — 12 4.4 18 Municipal — 19 — 12 Total commercial 0.7 9 4.4 14 Commercial real estate: Construction and land development 0.2 9 — 8 Term 0.6 9 — 18 Total commercial real estate 0.5 9 — 16 Consumer: 1 Home equity credit line 5.6 39 — 0 1-4 family residential 1.7 36 — 103 Bankcard and other revolving plans 0.3 3 — 50 Total consumer loans 2.7 32 — 82 Total weighted average financial impact 0.6 10 4.4 16 1 Primarily relates to a small number of loans within each respective loan class. The following schedule presents the aging of loans to borrowers experiencing financial difficulty that were modified on or after January 1, 2023 (the date we adopted ASU 2022-02) through December 31, 2024, categorized by portfolio segment and loan class. December 31, 2024 (In millions) Current 30-89 days 90+ days Total Total Commercial: Commercial and industrial $ 102 $ 2 $ 1 $ 3 $ 105 Owner-occupied 11 1 — 1 12 Municipal 3 — 8 8 11 Total commercial 116 3 9 12 128 Commercial real estate: Construction and land development 43 — — — 43 Term 289 — — — 289 Total commercial real estate 332 — — — 332 Consumer: Home equity credit line 2 — — — 2 1-4 family residential 6 1 — 1 7 Bankcard and other revolving plans 1 — — — 1 Total consumer loans 9 1 — 1 10 Total $ 457 $ 4 $ 9 $ 13 $ 470 December 31, 2023 (In millions) Current 30-89 days 90+ days Total Total Commercial: Commercial and industrial $ 44 $ 3 $ — $ 3 $ 47 Owner-occupied 13 1 — 1 14 Municipal 8 — — — 8 Total commercial 65 4 — 4 69 Commercial real estate: Construction and land development 27 — — — 27 Term 156 9 — 9 165 Total commercial real estate 183 9 — 9 192 Consumer: 1-4 family residential 2 — — — 2 Bankcard and other revolving plans 1 — — — 1 Total consumer loans 3 — — — 3 Total $ 251 $ 13 $ — $ 13 $ 264
Summary of Collateral-Dependent Loans	The following schedules present select information on loans for which the repayment is expected to be provided substantially through the operation or sale of the underlying collateral and the borrower is experiencing financial difficulties, including the type of collateral and the extent to which the collateral secures the loans: December 31, 2024 (In millions) Amortized Cost Major Types of Collateral Weighted Average LTV 1 Commercial: Owner occupied $ 6 Retail Facility 64% Municipal 5 Multifamily Apartments 174% Commercial real estate: Term 49 Office Building 98% Consumer: Home equity credit line 3 Single Family Residential 38% 1-4 family residential 3 Single Family Residential 29% Total $ 66 December 31, 2023 (In millions) Amortized Cost Major Types of Collateral Weighted Average LTV 1 Commercial: Owner-occupied $ 7 Hospital 17% Commercial real estate: Construction and land development 22 Office Building 92% Term 28 Office Building 87% Total $ 57 1 The fair value is based on the most recent appraisal or other collateral evaluation.

DERIVATIVE INSTRUMENTS AND HE_2

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES (Tables)	12 Months Ended
	Dec. 31, 2024
Summary of Derivative Instruments [Abstract]
Schedule of Derivative Amounts	The following schedule presents derivative notional amounts and recorded gross fair values at December 31, 2024 and 2023: December 31, 2024 December 31, 2023 Notional Fair value Notional Fair value (In millions) Other Other Other Other Derivatives designated as hedging instruments: Cash flow hedges of floating-rate assets: Receive-fixed interest rate swaps $ 550 $ — $ 2 $ 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 500 — — — — — Asset hedges: Pay-fixed interest rate swaps 1 4,668 93 — 4,571 78 — Total derivatives designated as hedging instruments 6,218 93 2 6,521 78 — Derivatives not designated as hedging instruments: Customer interest rate derivatives 2 16,833 348 346 14,375 337 330 Other interest rate derivatives 1,105 1 — 1,001 1 — Foreign exchange derivatives 373 4 2 216 3 3 Purchased credit derivatives 24 — — 35 1 — Total derivatives not designated as hedging instruments 18,335 353 348 15,627 342 333 Total derivatives $ 24,553 $ 446 $ 350 $ 22,148 $ 420 $ 333 1 The notional amount includes forward-starting swaps that are not yet effective. 2 Customer interest rate derivatives include both customer-facing and offsetting dealer-facing derivatives. These derivatives include a net CVA of $9 million at both December 31, 2024 and December 31, 2023, which reduces the fair value. These adjustments are necessary to reflect our nonperformance risk as well as that of the respective counterparty.
Schedule of Derivative Gains (Losses) Deferred in OCI or Recognized in Earnings	The following schedules present the amount of gains (losses) from derivative instruments designated as cash flow and fair value hedges that were deferred in AOCI or recognized in earnings for years ended December 31, 2024 and 2023: Year Ended December 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 Hedge ineffectiveness / AOCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Receive-fixed interest rate swaps $ (8) $ (126) $ — $ — Cash flow hedges of floating-rate liabilities: Pay-fixed interest rate swaps 4 8 — — Fair value hedges: 2 Debt hedges: Receive-fixed interest rate swaps — — (8) — Asset hedges: Pay-fixed interest rate swaps — — 88 (1) Total derivatives designated as hedging instruments $ (4) $ (118) $ 80 $ (1) Year Ended December 31, 2023 (In millions) Effective portion of derivative gain/(loss) deferred in AOCI Amount of gain/(loss) reclassified from AOCI into income Interest on fair value hedges Hedge ineffectiveness / AOCI reclass due to missed forecast Cash flow hedges of floating-rate assets: 1 Receive-fixed interest rate swaps $ 31 $ (170) $ — $ — Cash flow hedges of floating-rate liabilities: Pay-fixed interest rate swaps 4 5 — — Fair value hedges: 2 Debt hedges: Receive-fixed interest rate swaps — — (9) — Asset hedges: Pay-fixed interest rate swaps — — 58 — Total derivatives designated as hedging instruments $ 35 $ (165) $ 49 $ — 1 For the 12 months following December 31, 2024, we estimate that $63 million of net losses from active and terminated cash flow hedges will be reclassified from AOCI into interest income/expense, compared with an estimate of $118 million at December 31, 2023. 2 We had cumulative unamortized basis adjustments from terminated fair value hedges of debt totaling $39 million and $46 million at December 31, 2024 and 2023, respectively. Additionally, we had $3 million of cumulative unamortized basis adjustments from terminated fair value hedges of assets at both December 31, 2024 and 2023. Interest on fair value hedges presented above includes the amortization of the remaining unamortized basis adjustments.
Schedule of Gains (Losses) Recognized From Derivatives Not Designated As Accounting Hedges	The following schedule presents the amount of gains (losses) recognized from derivatives not designated as accounting hedges: Other Noninterest (In millions) 2024 2023 Derivatives not designated as hedging instruments: Customer interest rate derivatives $ 30 $ 17 Other interest rate derivatives 1 4 Foreign exchange derivatives 29 29 Purchased credit derivatives — (1) Total derivatives not designated as hedging instruments $ 60 $ 49
Schedule of Fair Value Hedges	The following schedule presents derivatives used in fair value hedge accounting relationships, along with the pre-tax gains/(losses) recorded on these derivatives and the related hedged items for the periods presented: Gain/(loss) recorded in income Twelve Months Ended Twelve Months Ended (In millions) Derivatives 2 Hedged items Total income statement impact Derivatives 2 Hedged items Total income statement impact Fair value hedges: Debt: Receive-fixed interest rate swaps 1,2 $ (7) $ 7 $ — $ 14 $ (14) $ — Assets: Pay-fixed interest rate swaps 1,2 108 (109) (1) (22) 22 — 1 Includes hedges of benchmark interest rate risk for fixed-rate long-term debt, fixed-rate AFS securities and fixed-rate commercial loans. Gains and losses were recorded in interest expense or income consistent with the hedged items. 2 The income/expense for derivatives does not reflect interest income/expense from periodic accruals and payments, to maintain consistency with the presentation of the gains/(losses) on the hedged items. Periodic interest income/expense for fair value hedges is shown in a separate schedule above.
Schedule of Basis Adjustments for Hedged Items	The following schedule presents information regarding basis adjustments for hedged items in fair value hedging relationships: Par value of hedged assets/(liabilities) Carrying amount of the hedged assets/(liabilities) Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets/(liabilities) (In millions) 2024 2023 2024 2023 2024 2023 Fair value hedges: Debt: Receive-fixed interest rate swaps 1 $ (500) $ — $ (493) $ — $ 7 $ — Assets: Pay-fixed interest rate swaps 1,2 11,388 12,389 11,099 12,209 (289) (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 Includes the amortized cost basis of defined portfolios of AFS securities and commercial loans used to designate hedging relationships, where the hedged item is the stated amount of assets in the defined portfolio anticipated to be outstanding for the designated hedged period. At December 31, 2024, the amortized cost basis of the defined portfolios used in these hedging relationships was $10.2 billion; the cumulative basis adjustment associated with these hedging relationships was $41 million, and the notional amounts of the designated hedging instruments were $3.5 billion.

LEASES (Tables)

LEASES (Tables)	12 Months Ended
	Dec. 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: December 31, (Dollar amounts in millions) 2024 2023 Operating leases ROU assets, net of amortization $ 188 $ 172 Lease liabilities 240 198 Finance leases ROU assets, net of amortization 3 3 Lease liabilities 4 4 Weighted average remaining lease term (years) Operating leases 9.9 8.7 Finance leases 15.6 16.5 Weighted average discount rate Operating leases 3.8 % 3.4 % Finance leases 3.1 % 3.1 %
Lease Expense	The following schedule presents additional information related to lease expense: Year Ended December 31, (In millions) 2024 2023 2022 Lease expense: Operating lease expense $ 40 $ 43 $ 46 Other expenses associated with operating leases 1 62 60 51 Total lease expense $ 102 $ 103 $ 97 Related cash disbursements for operating leases $ 43 $ 49 $ 50 1 Other expenses primarily include property taxes and building and property maintenance.
Lease Maturity Analysis	The following schedule presents the total contractual undiscounted lease payments for operating lease liabilities by expected due date for each of the next five years: (In millions) Total undiscounted lease payments 2025 $ 40 2026 36 2027 27 2028 28 2029 25 Thereafter 140 Total lease payments 296 Less imputed interest 56 Total $ 240

PREMISES, EQUIPMENT AND SOFTW_2

PREMISES, EQUIPMENT AND SOFTWARE (Tables)	12 Months Ended
	Dec. 31, 2024
Property, Plant and Equipment [Abstract]
Schedule of Premises, Equipment and Software, Net	The following schedule presents the components of our premises, equipment, and software, including the accumulated depreciation and amortization: (In millions) December 31, 2024 2023 Land $ 284 $ 269 Buildings 980 959 Furniture and equipment 337 336 Leasehold improvements 139 137 Software 585 749 Total premises, equipment, and software 1 2,325 2,450 Less accumulated depreciation and amortization 959 1,050 Net book value $ 1,366 $ 1,400 1 The totals for 2024 and 2023 include $51 million and $40 million, respectively, of capitalized costs that are not yet depreciating, as the respective assets have not been placed in service.

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)	12 Months Ended
	Dec. 31, 2024
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Goodwill	The following schedule presents the carrying amount of goodwill for our business segments with goodwill, as well as the balance of our core deposits and other intangible assets, net of related accumulated amortization: December 31, (In millions) 2024 2023 Goodwill: Amegy $ 615 $ 615 CB&T 379 379 Zions Bank 20 20 Nevada State Bank 13 13 Total goodwill 1,027 1,027 Core deposits and other intangibles, net of accumulated amortization 25 32 Total goodwill and intangibles $ 1,052 $ 1,059

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2024
Deposits [Abstract]
Deposits By Category	The following schedule presents the composition of our deposits: December 31, (Dollar amounts in millions) 2024 2023 Noninterest-bearing demand $ 24,704 $ 26,244 Interest-bearing: Savings and money market 40,037 38,721 Time 11,482 9,996 Total deposits $ 76,223 $ 74,961
Schedule of Maturities of All Time Deposits	The following schedule presents the aggregate amount of all time deposits by maturity at December 31, 2024: (In millions) December 31, 2024 2025 $ 11,327 2026 88 2027 29 2028 18 2029 19 Thereafter 1 Total $ 11,482 The following schedule presents the amount of time deposits that exceed $250,000 by scheduled maturity at December 31, 2024: (In millions) December 31, 2024 Three months or less $ 1,287 After three months through six months 1,160 After six months through twelve months 391 After twelve months 47 Total $ 2,885

SHORT-TERM BORROWINGS (Tables)

SHORT-TERM BORROWINGS (Tables)	12 Months Ended
	Dec. 31, 2024
Short-Term Debt [Abstract]
Summary of Short-Term Borrowings	The following schedule presents selected information for FHLB advances and other short-term borrowings: (Dollar amounts in millions) 2024 2023 Federal Home Loan Bank advances Average amount outstanding $ 1,665 $ 4,208 Average rate 4.89 % 5.73 % Highest month-end balance $ 2,525 $ 11,525 Year-end balance 2,525 1,525 Average rate on outstanding advances at year-end 4.78 % 5.59 % Other short-term borrowings, year-end balances Federal funds purchased $ 108 $ 597 Security repurchase agreements 764 1,814 Securities sold, not yet purchased 20 65 Swap margin collateral received 415 378 Total federal funds and other short-term borrowings $ 3,832 $ 4,379

LONG-TERM DEBT (Tables)

LONG-TERM DEBT (Tables)	12 Months Ended
	Dec. 31, 2024
Long-Term Debt, Unclassified [Abstract]
Schedule of Long-Term Debt	The following schedule presents the components of our long-term debt: December 31, (In millions) 2024 2023 Subordinated notes $ 946 $ 538 Finance lease obligations 4 4 Total $ 950 $ 542
Schedule of Subordinated Notes	The following schedule presents our subordinated notes outstanding at December 31, 2024: (Dollar amounts in millions) Subordinated notes Coupon rate Carrying value Par amount Maturity 3.25% $ 458 $ 500 October 2029 6.82% 488 500 November 2035 Total $ 946 $ 1,000
Schedule of Maturities of Long-term Debt	The following schedule presents the carrying value of our long-term debt by maturity for each of the next five years: December 31, 2024 (In millions) 2025 2026 2027 2028 2029 Thereafter Total Subordinated notes $ — $ — $ — $ — $ 458 $ 488 $ 946 Finance lease obligations — — — — — 4 4 Total $ — $ — $ — $ — $ 458 $ 492 $ 950

SHAREHOLDERS' EQUITY (Tables)

SHAREHOLDERS' EQUITY (Tables)	12 Months Ended
	Dec. 31, 2024
Equity [Abstract]
Summary of Preferred Stock	The following schedule presents the components of our preferred stock: (Dollar amounts in millions) Carrying value at Shares at Dividends payable Earliest 2024 2023 Authorized Outstanding Rate Series A $ 66 $ 66 140,000 66,139 > of 4.0% or 3M Term SOFR + 0.78% Qtrly Mar, Jun, Sep, Dec Dec 15, 2011 Series G — 139 200,000 — annual floating rate = 3M Term SOFR + 4.50% Qtrly Mar, Jun, Sep, Dec N/A Series I — 99 300,893 — annual floating rate = 3M Term SOFR + 4.06% Qtrly Mar, Jun, Sep, Dec N/A Series J — 136 195,152 — annual floating rate = 3M Term SOFR + 4.70% Qtrly Mar, Jun, Sep, Dec N/A Total $ 66 $ 440
Schedule of Changes in Accumulated Other Comprehensive Income	The following schedule presents the changes in AOCI: (In millions) Net unrealized gains (losses) on investment securities Net unrealized gains (losses) on derivatives and other Pension and post-retirement Total 2024 Balance at December 31, 2023 $ (2,526) $ (165) $ (1) $ (2,692) Other comprehensive income before reclassifications, net of tax 31 (2) — 29 Amounts reclassified from AOCI, net of tax 194 89 — 283 Other comprehensive income 225 87 — 312 Balance at December 31, 2024 $ (2,301) $ (78) $ (1) $ (2,380) Income tax expense included in other comprehensive income $ 74 $ 28 $ — $ 102 2023 Balance at December 31, 2022 $ (2,800) $ (311) $ (1) $ (3,112) Other comprehensive income before reclassifications, net of tax 66 22 — 88 Amounts reclassified from AOCI, net of tax 208 124 — 332 Other comprehensive income 274 146 — 420 Balance at December 31, 2023 $ (2,526) $ (165) $ (1) $ (2,692) Income tax expense included in other comprehensive income $ 90 $ 47 $ — $ 137
Schedule of Reclassification out of Accumulated Other Comprehensive Income	(In millions) Amounts reclassified from AOCI Affected line item AOCI components 2024 2023 2022 Net unrealized losses on investment securities $ (257) $ (276) $ (53) Securities gains (losses), net Less: Income tax expense benefit (63) (68) (13) $ (194) $ (208) $ (40) Net unrealized losses on derivative instruments $ (118) $ (165) $ (27) Interest and fees on loans; Interest on short- and long-term borrowings Less: Income tax benefit (29) (41) (6) $ (89) $ (124) $ (21)

REGULATORY MATTERS (Tables)

REGULATORY MATTERS (Tables)	12 Months Ended
	Dec. 31, 2024
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Summary of Actual Capital Amounts and Capital Ratios	The following schedule presents our capital amounts and ratios and the minimum requirements to be well capitalized under Basel III at December 31, 2024 and 2023: (Dollar amounts in millions) December 31, 2024 Minimum requirement to be “well capitalized” Amount Ratio Amount Ratio Basel III Regulatory Capital Amounts and Ratios Common equity Tier 1 capital (to risk-weighted assets) $ 7,363 10.9 % $ 4,400 6.5 % Tier 1 risk-based capital (to risk-weighted assets) 7,430 11.0 5,415 8.0 Total risk-based capital (to risk-weighted assets) 9,026 13.3 6,769 10.0 Tier 1 leverage ratio 7,430 8.3 4,454 5.0 December 31, 2023 Minimum requirement to be “well capitalized” (Dollar amounts in millions) Amount Ratio Amount Ratio Basel III Regulatory Capital Amounts and Ratios Common equity Tier 1 capital (to risk-weighted assets) $ 6,863 10.3 % $ 4,351 6.5 % Tier 1 risk-based capital (to risk-weighted assets) 7,303 10.9 5,355 8.0 Total risk-based capital (to risk-weighted assets) 8,553 12.8 6,693 10.0 Tier 1 leverage ratio 7,303 8.3 4,379 5.0 December 31, 2024 Minimum capital requirement Capital conservation buffer Minimum capital ratio requirement with capital conservation buffer Current capital CET1 to risk-weighted assets 4.5% 2.5% 7.0% 10.9% Tier 1 risk-based capital (i.e., CET1 plus additional Tier 1 capital) to risk-weighted assets 6.0% 2.5% 8.5% 11.0% Total risk-based capital (i.e., Tier 1 capital plus Tier 2 capital) to risk-weighted assets 8.0% 2.5% 10.5% 13.3% Tier 1 leverage ratio 4.0% N/A 4.0% 8.3%

COMMITMENTS, GUARANTEES, CONT_2

COMMITMENTS, GUARANTEES, CONTINGENT LIABILITIES, AND RELATED PARTIES (Tables)	12 Months Ended
	Dec. 31, 2024
Guarantees, Commitments And Contingencies [Abstract]
Schedule of Off-Balance Sheet Financial Instruments	The following schedule presents the contractual amounts related to off-balance sheet financial instruments used to meet our customers’ financing needs: December 31, (In millions) 2024 2023 Unfunded lending commitments 1 $ 28,767 $ 28,940 Standby letters of credit: Financial 574 548 Performance 262 206 Commercial letters of credit 15 22 Mortgage-backed security purchase agreements 2 — 66 Total unfunded commitments $ 29,618 $ 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)	12 Months Ended
	Dec. 31, 2024
Revenue Recognition and Deferred Revenue [Abstract]
Disaggregation of Revenue	The following schedule presents revenue from contracts with customers and provides a reconciliation to total noninterest income by operating business segment. Customer-related noninterest income from other sources represents revenue from customers that falls outside the scope of the applicable accounting guidance for revenue from contracts with customers. Zions Bank CB&T Amegy (In millions) 2024 2023 2022 2024 2023 2022 2024 2023 2022 Commercial account fees $ 57 $ 55 $ 53 $ 31 $ 32 $ 28 $ 59 $ 56 $ 46 Card fees 1 50 52 55 19 21 20 31 31 33 Retail and business banking fees 19 19 22 11 11 12 14 14 16 Capital markets fees 2 1 — — 1 — — 3 — — Wealth management fees 21 23 22 4 4 4 18 17 15 Other customer-related fees 9 8 8 8 7 6 6 7 7 Total noninterest income from contracts with customers 157 157 160 74 75 70 131 125 117 Customer-related noninterest income from other sources 24 24 19 39 35 34 34 37 40 Total customer-related noninterest income 181 181 179 113 110 104 165 162 157 Noncustomer-related noninterest income 6 11 5 8 6 4 10 22 1 Total noninterest income $ 187 $ 192 $ 184 $ 121 $ 116 $ 108 $ 175 $ 184 $ 158 NBAZ NSB Vectra (In millions) 2024 2023 2022 2024 2023 2022 2024 2023 2022 Commercial account fees $ 11 $ 10 $ 9 $ 13 $ 12 $ 11 $ 7 $ 7 $ 8 Card fees 1 15 15 15 16 16 15 10 9 9 Retail and business banking fees 9 8 9 10 10 10 3 4 4 Capital markets fees 2 — — — — — — — — — Wealth management fees 3 3 3 6 5 5 2 1 1 Other customer-related fees 1 1 2 1 1 1 5 4 3 Total noninterest income from contracts with customers 39 37 38 46 44 42 27 25 25 Customer-related noninterest income from other sources 4 2 8 2 1 6 2 3 6 Total customer-related noninterest income 43 39 46 48 45 48 29 28 31 Noncustomer-related noninterest income — 1 2 4 — — — — — Total noninterest income $ 43 $ 40 $ 48 $ 52 $ 45 $ 48 $ 29 $ 28 $ 31 TCBW Other Consolidated Bank (In millions) 2024 2023 2022 2024 2023 2022 2024 2023 2022 Commercial account fees $ 2 $ 2 $ 2 $ 2 $ — $ 2 $ 182 $ 174 $ 159 Card fees 1 2 2 2 1 — — 144 146 149 Retail and business banking fees 1 — — — — — 67 66 73 Capital markets fees 2 — — — 6 4 4 11 4 4 Wealth management fees — 1 — — (1) 1 54 53 51 Other customer-related fees 1 1 1 24 31 31 55 60 59 Total noninterest income from contracts with customers 6 6 5 33 34 38 513 503 495 Customer-related noninterest income from other sources 2 1 2 19 14 4 126 117 119 Total customer-related noninterest income 8 7 7 52 48 42 639 620 614 Noncustomer-related noninterest income — — — 33 17 6 61 57 18 Total noninterest income $ 8 $ 7 $ 7 $ 85 $ 65 $ 48 $ 700 $ 677 $ 632 1 Card fees exclude costs associated with reward programs that are netted against interchange fees, as these costs are not within the scope of applicable accounting guidance for revenue from contracts with customers. 2 Capital markets fees exclude revenue associated with real estate capital markets, swaps, loan syndications, and foreign exchange activities, as the related fees are not within the scope of applicable accounting guidance for revenue from contracts with customers.

SHARE-BASED COMPENSATION (Table

SHARE-BASED COMPENSATION (Tables)	12 Months Ended
	Dec. 31, 2024
Share-Based Payment Arrangement [Abstract]
Compensation Expense and Related Tax Benefit for All Share-Based Awards	The following schedule presents compensation expense and the related tax benefit for all share-based awards: (In millions) 2024 2023 2022 Compensation expense $ 31 $ 33 $ 30 Reduction of income tax expense 7 9 11
Summary of Weighted Average Value at Grant Date and the Significant Assumptions Used in Applying the Black-Scholes Model for Options Granted	The following schedule presents the weighted average grant date value and the significant assumptions applied in the Black-Scholes model for these options: 2024 2023 2022 Weighted average value for options granted $ — $ 11.23 $ 15.16 Weighted average assumptions used: Expected dividend yield — % 3.0 % 2.3 % Expected volatility — % 27.0 % 27.0 % Risk-free interest rate — % 4.00 % 1.98 % Expected life (in years) 0.0 4.5 5.0
Summary of Stock Option Activity	The following schedule presents our stock option activity for the three years ended December 31, 2024: Number of shares Weighted average exercise price Balance at December 31, 2021 1,328,144 $ 44.60 Granted 201,932 73.02 Exercised (256,004) 36.79 Expired (8,912) 37.58 Forfeited (2,794) 57.75 Balance at December 31, 2022 1,262,366 50.75 Granted 291,005 52.90 Exercised (95,207) 29.67 Expired (27,948) 35.41 Forfeited (9,838) 57.07 Balance at December 31, 2023 1,420,378 52.83 Granted — — Exercised (191,602) 50.05 Expired (103,008) 46.84 Forfeited (2,112) 56.94 Balance at December 31, 2024 1,123,656 53.85 Outstanding stock options exercisable as of: December 31, 2024 869,716 52.61 December 31, 2023 891,884 50.36 December 31, 2022 729,411 46.02
Summary of Additional Selected Information on Stock Options	The following schedule presents additional selected information on stock options at December 31, 2024 : Outstanding stock options Exercisable stock options Exercise price range Number of shares Weighted average exercise price Weighted average remaining contractual life (years) Number of shares Weighted average exercise price $4.15 to $19.99 5,223 $ 6.41 1 0 5,223 $ 6.41 $40.00 to $44.99 1,974 43.07 1.4 1,974 43.07 $45.00 to $49.99 440,807 47.33 2.6 440,807 47.33 $50.00 to $59.99 481,220 52.56 3.2 292,172 52.34 $60.00 to $73.22 194,432 73.19 4.0 129,540 73.19 1,123,656 53.85 1 3.1 869,716 52.61 1 The weighted average remaining contractual life excludes 5,223 stock options without a fixed expiration date, which were assumed during the Amegy acquisition. These options expire one year after the employee's termination date, depending on certain circumstances.
Summary of Nonvested Restricted Stock Activity	The following schedule presents our restricted stock activity for the three years ended December 31, 2024: Number of shares Weighted average fair value Nonvested restricted shares at December 31, 2021 64,816 $ 42.26 Issued 21,038 60.21 Vested (25,105) 42.66 Nonvested restricted shares at December 31, 2022 60,749 48.31 Issued — — Vested (24,978) 46.31 Nonvested restricted shares at December 31, 2023 35,771 49.71 Issued 49,019 41.24 Vested (18,731) 47.48 Nonvested restricted shares at December 31, 2024 66,059 44.06
Summary of RSU Activity	The following schedule presents our RSU activity for the three years ended December 31, 2024: Number of restricted stock units Weighted average fair value Restricted stock units at December 31, 2021 1,274,083 $ 46.49 Granted 433,674 68.07 Vested (504,358) 47.83 Forfeited (34,306) 56.58 Restricted stock units at December 31, 2022 1,169,093 53.62 Granted 727,019 48.85 Vested (522,163) 48.71 Forfeited (44,004) 56.19 Restricted stock units at December 31, 2023 1,329,945 52.88 Granted 872,274 39.53 Vested (544,095) 50.55 Forfeited (34,621) 48.78 Restricted stock units at December 31, 2024 1,623,503 46.57

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Schedule of Income Tax Expense (Benefit)	The following schedule presents the major components of our income tax expense: (In millions) 2024 2023 2022 Federal: Current $ 194 $ 168 $ 236 Deferred (9) — (38) Total federal 185 168 198 State: Current 41 47 52 Deferred 2 (9) (5) Total state 43 38 47 Total income tax expense $ 228 $ 206 $ 245
Schedule of Statutory Federal Income Tax Rate Reconciles to Actual Income Tax Expense (Benefit)	The following schedule presents a reconciliation of income tax expense calculated at the statutory federal income tax rate of 21% with the actual income tax expense: (In millions) 2024 2023 2022 Income tax expense at statutory federal rate $ 213 $ 186 $ 242 State income taxes including credits, net 34 31 38 Other nondeductible expenses 32 29 13 Nontaxable income (46) (41) (40) Share-based compensation 1 (1) (4) Other (6) 2 (4) Total income tax expense $ 228 $ 206 $ 245
Schedule of Tax Effects of Deferred Tax Assets and Deferred Tax Liabilities	The following schedule presents the tax effects of temporary differences that result in significant portions of DTAs and DTLs: (In millions) December 31, 2024 2023 Gross deferred tax assets: Book loan loss deduction in excess of tax $ 183 $ 181 Deferred compensation 81 81 Investment securities and derivative fair value adjustments 775 879 Lease liabilities 60 50 Capitalized costs 30 37 Other 47 48 Total deferred tax assets before valuation allowance 1,176 1,276 Valuation allowance — — Total deferred tax assets 1,176 1,276 Gross deferred tax liabilities: Premises and equipment, due to differences in depreciation (90) (101) Federal Home Loan Bank stock dividends (3) (3) Leasing operations (43) (49) Prepaid expenses (8) (5) Mortgage servicing (6) (5) Deferred loan costs (36) (34) ROU assets (47) (43) Qualified opportunity fund deferred gains (26) (27) Equity investments (13) (10) Total deferred tax liabilities (272) (277) Net deferred tax assets (liabilities) $ 904 $ 999
Schedule of Reconciliation of Gross Unrecognized Tax Benefits	The following schedule presents a roll forward of gross unrecognized tax benefits: (In millions) 2024 2023 2022 Balance at beginning of year $ 15 $ 13 $ 14 Tax positions related to current year: Additions — 2 2 Tax positions related to prior years: Additions — 10 — Reductions — — (1) Settlements with taxing authorities — (3) — Lapses in statutes of limitations (8) (7) (2) Balance at end of year $ 7 $ 15 $ 13

NET EARNINGS PER COMMON SHARE (

NET EARNINGS PER COMMON SHARE (Tables)	12 Months Ended
	Dec. 31, 2024
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Diluted, by Common Class, Including Two Class Method	The following schedule presents basic and diluted net earnings per common share based on the weighted average outstanding shares: (In millions, except shares and per share amounts) 2024 2023 2022 Basic: Net income $ 784 $ 680 $ 907 Less common and preferred dividends 289 277 269 Less impact from redemption of preferred stock 6 — — Undistributed earnings 489 403 638 Less undistributed earnings applicable to nonvested shares 5 4 5 Undistributed earnings applicable to common shares 484 399 633 Distributed earnings applicable to common shares 245 243 237 Total earnings applicable to common shares $ 729 $ 642 $ 870 Weighted average common shares outstanding (in thousands) 147,210 147,748 150,064 Net earnings per common share $ 4.95 $ 4.35 $ 5.80 Diluted: Total earnings applicable to common shares $ 729 $ 642 $ 870 Weighted average common shares outstanding (in thousands) 147,210 147,748 150,064 Dilutive effect of stock options (in thousands) 5 8 207 Weighted average diluted common shares outstanding (in thousands) 147,215 147,756 150,271 Net earnings per common share $ 4.95 $ 4.35 $ 5.79
Schedule of Weighted Average Number of Shares	The following schedule presents the weighted average stock awards that were anti-dilutive and not included in the calculation of diluted earnings per share: (In thousands) 2024 2023 2022 Restricted stock and restricted stock units $ 1,663 $ 1,383 $ 1,265 Stock options 1,110 1,409 178

OPERATING SEGMENT INFORMATION (

OPERATING SEGMENT INFORMATION (Tables)	12 Months Ended
	Dec. 31, 2024
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment	The following schedule presents selected operating segment information that is regularly provided to the CODM to evaluate performance and allocate resources: (In millions) Zions Bank CB&T Amegy 2024 2023 2022 2024 2023 2022 2024 2023 2022 SELECTED INCOME STATEMENT DATA Net interest income 1 $ 692 $ 698 $ 726 $ 584 $ 602 $ 592 $ 496 $ 457 $ 505 Provision for credit losses (8) 20 43 42 44 49 22 15 5 Net interest income after provision for credit losses 700 678 683 542 558 543 474 442 500 Noninterest income 187 192 186 121 116 114 175 184 165 Noninterest expense: Salaries and employee benefits 141 142 137 126 126 121 112 107 105 Technology, telecom, and information processing 14 16 14 5 5 4 8 8 8 Occupancy and equipment, net 27 27 24 33 34 33 33 28 28 Other direct expenses 2 71 96 60 42 58 33 56 70 40 Indirect/allocated expenses 318 301 263 197 188 149 247 240 174 Total noninterest expense 571 582 498 403 411 340 456 453 355 Income (loss) before income taxes $ 316 $ 288 $ 371 $ 260 $ 263 $ 317 $ 193 $ 173 $ 310 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 14,799 $ 14,296 $ 13,272 $ 14,286 $ 14,128 $ 13,129 $ 13,398 $ 12,851 $ 12,110 Total average deposits 21,151 20,233 24,316 14,582 14,253 16,160 14,792 13,569 15,735 (In millions) NBAZ NSB Vectra 2024 2023 2022 2024 2023 2022 2024 2023 2022 SELECTED INCOME STATEMENT DATA Net interest income 1 $ 245 $ 249 $ 242 $ 197 $ 192 $ 185 $ 148 $ 151 $ 153 Provision for credit losses 17 4 11 (11) 42 4 3 7 9 Net interest income after provision for credit losses 228 245 231 208 150 181 145 144 144 Noninterest income 43 40 48 52 45 48 29 28 31 Noninterest expense: Salaries and employee benefits 54 55 51 46 45 44 41 41 39 Technology, telecom, and information processing 4 4 4 6 5 6 2 3 3 Occupancy and equipment, net 11 10 10 11 12 11 11 12 8 Other direct expenses 2 26 29 17 21 27 16 14 18 10 Indirect/allocated expenses 101 96 85 93 85 74 69 67 60 Total noninterest expense 196 194 167 177 174 151 137 141 120 Income (loss) before income taxes $ 75 $ 91 $ 112 $ 83 $ 21 $ 78 $ 37 $ 31 $ 55 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 5,683 $ 5,318 $ 4,911 $ 3,555 $ 3,392 $ 2,987 $ 4,063 $ 4,004 $ 3,632 Total average deposits 6,933 7,008 8,035 7,169 6,964 7,436 3,505 3,482 4,109 (In millions) TCBW Other Consolidated Bank 2024 2023 2022 2024 2023 2022 2024 2023 2022 SELECTED INCOME STATEMENT DATA Net interest income 1 $ 63 $ 61 $ 63 $ 5 $ 28 $ 54 $ 2,430 $ 2,438 $ 2,520 Provision for credit losses 9 2 1 (2) (2) — 72 132 122 Net interest income after provision for credit losses 54 59 62 7 30 54 2,358 2,306 2,398 Noninterest income 8 7 7 85 65 33 700 677 632 Noninterest expense: Salaries and employee benefits 12 13 12 755 746 726 1,287 1,275 1,235 Technology, telecom, and information processing 2 2 2 219 197 168 260 240 209 Occupancy and equipment, net 3 2 3 32 35 35 161 160 152 Other direct expenses 2 5 7 4 103 117 102 338 422 282 Indirect/allocated expenses 11 11 3 (1,036) (988) (808) — — — Total noninterest expense 33 35 24 73 107 223 2,046 2,097 1,878 Income (loss) before income taxes $ 29 $ 31 $ 45 $ 19 $ (12) $ (136) $ 1,012 $ 886 $ 1,152 SELECTED AVERAGE BALANCE SHEET DATA Total average loans $ 1,805 $ 1,705 $ 1,630 $ 958 $ 1,046 $ 927 $ 58,547 $ 56,740 $ 52,598 Total average deposits 1,144 1,196 1,571 5,484 6,161 1,167 74,760 72,866 78,529 1 Interest income is shown net of interest expense consistent with the information regularly provided to the CODM and used to evaluate segment performance. 2 Includes expenses such as professional and legal services, marketing and business development, deposit insurance and regulatory expense, credit-related expense, other real estate expense, and other noninterest expense.

QUARTERLY FINANCIAL INFORMATI_2

QUARTERLY FINANCIAL INFORMATION (UNAUDITED) (Tables)	12 Months Ended
	Dec. 31, 2024
Quarterly Financial Information Disclosure [Abstract]
Schedule of Financial Information by Quarter	The following schedule presents quarterly financial information for 2024 and 2023: (In millions, except per share amounts) Fourth Quarter Third Quarter Second Quarter First Quarter 2024 Total interest income $ 1,062 $ 1,104 $ 1,073 $ 1,054 Net interest income 627 620 597 586 Provision for credit losses 41 13 5 13 Noninterest income 193 172 179 156 Noninterest expense 509 502 509 526 Income before income taxes 270 277 262 203 Net income 216 214 201 153 Preferred stock dividends (10) (10) (11) (10) Preferred stock redemption (6) — — — Net earnings applicable to common shareholders 200 204 190 143 Net earnings per common share: Basic 1.34 1.37 1.28 0.96 Diluted 1.34 1.37 1.28 0.96 2023 Total interest income $ 1,040 $ 1,010 $ 977 $ 920 Net interest income 583 585 591 679 Provision for credit losses — 41 46 45 Noninterest income 148 180 189 160 Noninterest expense 581 496 508 512 Income before income taxes 150 228 226 282 Net income 126 175 175 204 Preferred stock dividends (10) (7) (9) (6) Net earnings applicable to common shareholders 116 168 166 198 Net earnings per common share: Basic 0.78 1.13 1.11 1.33 Diluted 0.78 1.13 1.11 1.33

SUMMARY OF SIGNIFICANT ACCOUN_4

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) $ in Billions	12 Months Ended
	Dec. 31, 2024 USD ($) state segment	Dec. 31, 2023 USD ($)
Repurchase Agreement Counterparty [Line Items]
Number of states in which entity operates | state	11
Number of bank operating segments | segment	7
Securities for which entity has right to sell or repledge	$ 1.4	$ 0.9
Security resell agreements average amount	2.2	1.3
Security resell agreements maximum amount, outstanding	$ 3	$ 2
Percentage of acquired assets and all assumed liabilities recognized in business combination	100%
Maximum
Repurchase Agreement Counterparty [Line Items]
Security resell agreements maturity (in days)	50 days

FAIR VALUE (Schedule of Assets

FAIR VALUE (Schedule of Assets and Liabilities Measured at Fair Value by Class on a Recurring Basis) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
ASSETS
Trading securities	$ 35	$ 48
Available-for-sale securities:
Investment securities, available-for-sale	9,095	10,300
Loans held for sale	25	43
Other assets:
Agriculture loan servicing	20	19
Total assets	10,440	11,602
Fed funds and other short-term borrowings:
Securities sold, not yet purchased	21	65
Other liabilities:
Total liabilities	371	398
U.S. Treasury, agencies, and corporations
Available-for-sale securities:
Investment securities, available-for-sale	7,962	8,959
Municipal securities
Available-for-sale securities:
Investment securities, available-for-sale	1,108	1,318
Other debt securities
Available-for-sale securities:
Investment securities, available-for-sale	25	23
Loans held for sale
Available-for-sale securities:
Loans held for sale	25	43
Bank-owned life insurance
Other noninterest-bearing investments:
Other noninterest-bearing investments	562	553
Private equity investments
Other noninterest-bearing investments:
Other noninterest-bearing investments	108	95
Derivatives
Other assets:
Other assets	446	420
Other liabilities:
Other liabilities	350	333
Level 1
ASSETS
Trading securities	0	0
Available-for-sale securities:
Investment securities, available-for-sale	662	492
Other assets:
Total assets	814	619
Fed funds and other short-term borrowings:
Securities sold, not yet purchased	21	65
Other liabilities:
Total liabilities	21	65
Level 1 | U.S. Treasury, agencies, and corporations
Available-for-sale securities:
Investment securities, available-for-sale	662	492
Level 1 | Private equity investments
Other noninterest-bearing investments:
Other noninterest-bearing investments	3	3
Level 2
ASSETS
Trading securities	35	48
Available-for-sale securities:
Investment securities, available-for-sale	8,433	9,808
Other assets:
Total assets	9,501	10,872
Fed funds and other short-term borrowings:
Securities sold, not yet purchased	0	0
Other liabilities:
Total liabilities	350	333
Level 2 | U.S. Treasury, agencies, and corporations
Available-for-sale securities:
Investment securities, available-for-sale	7,300	8,467
Level 2 | Municipal securities
Available-for-sale securities:
Investment securities, available-for-sale	1,108	1,318
Level 2 | Other debt securities
Available-for-sale securities:
Investment securities, available-for-sale	25	23
Level 2 | Loans held for sale
Available-for-sale securities:
Loans held for sale	25	43
Level 2 | Bank-owned life insurance
Other noninterest-bearing investments:
Other noninterest-bearing investments	562	553
Level 2 | Derivatives
Other assets:
Other assets	446	420
Other liabilities:
Other liabilities	350	333
Level 3
ASSETS
Trading securities	0	0
Available-for-sale securities:
Investment securities, available-for-sale	0	0
Other assets:
Agriculture loan servicing	20	19
Total assets	125	111
Fed funds and other short-term borrowings:
Securities sold, not yet purchased	0	0
Other liabilities:
Total liabilities	0	0
Level 3 | Private equity investments
Other noninterest-bearing investments:
Other noninterest-bearing investments	105	92
Deferred compensation plan assets
Other assets:
Other assets	149	124
Deferred compensation plan assets | Level 1
Other assets:
Other assets	$ 149	$ 124

FAIR VALUE (Narrative) (Details

FAIR VALUE (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Derivatives, Fair Value [Line Items]
Loans held for sale	$ 25,000,000	$ 43,000,000
Loans held for sale, par value	26,000,000	43,000,000
Net gain on loan sales	14,000,000	4,000,000
Assets, fair value	10,440,000,000	11,602,000,000
Level 2
Derivatives, Fair Value [Line Items]
Assets, fair value	9,501,000,000	$ 10,872,000,000
Level 2 | Fair Value, Nonrecurring | Collateral dependent loans
Derivatives, Fair Value [Line Items]
Assets, fair value	0
Losses from fair value changes	$ 0

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	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Private equity investments
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at beginning of year	$ 92	$ 81	$ 66
Unrealized securities gains (losses), net	9	(2)	3
Other noninterest income	0	0	0
Purchases	11	14	16
Cost of investments sold	(7)	(1)	(3)
Redemptions and paydowns	0	0	0
Transfers out	0	0	(1)
Balance at end of year	105	92	81
Ag loan servicing
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at beginning of year	19	14	12
Unrealized securities gains (losses), net	0	0	0
Other noninterest income	1	5	2
Purchases	0	0	0
Cost of investments sold	0	0	0
Redemptions and paydowns	0	0	0
Transfers out	0	0	0
Balance at end of year	$ 20	$ 19	$ 14

FAIR VALUE (Schedule of Realize

FAIR VALUE (Schedule of Realized Gains (Losses) Using Level 3 Inputs) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Level 3
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities gains (losses), net	$ 1	$ (1)	$ (2)

FAIR VALUE (Schedule of Carryin

FAIR VALUE (Schedule of Carrying Values and Estimated Fair Values of Financial Instruments) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held-to-maturity investment securities	$ 9,382	$ 10,466
Time deposits	11,482	9,996
Long-term debt	946
Level 2 | Fair value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held-to-maturity investment securities	9,382	10,466
Time deposits	11,468	9,964
Long-term debt	950	494
Level 2 | Carrying value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held-to-maturity investment securities	9,669	10,382
Time deposits	11,482	9,996
Long-term debt	950	542
Level 3 | Fair value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans and leases (including loans held for sale), net of allowance	57,130	54,832
Level 3 | Carrying value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans and leases (including loans held for sale), net of allowance	$ 58,788	$ 57,148

OFFSETTING ASSETS AND LIABILI_3

OFFSETTING ASSETS AND LIABILITIES (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Gross amounts recognized
Federal funds sold and securities purchased under agreements to resell	$ 1,453,000	$ 1,170,000
Derivatives (included in Other assets)	446,000	420,000
Total assets	1,899,000	1,590,000
Federal funds and other short-term borrowings	3,832,000	4,612,000
Derivatives (included in Other liabilities)	350,000	333,000
Total liabilities	4,182,000	4,945,000
Gross amounts offset on the balance sheet
Federal funds sold and securities purchased under agreements to resell	0	(233,000)
Derivatives (included in Other assets)	0	0
Total assets	0	(233,000)
Federal funds and other short-term borrowings	0	(233,000)
Derivatives (included in Other liabilities)	0	0
Total liabilities	0	(233,000)
Net amounts presented on the balance sheet
Federal funds sold and securities purchased under agreements to resell	1,453,000	937,000
Derivatives (included in Other assets)	446,000	420,000
Total assets	1,899,000	1,357,000
Federal funds and other short-term borrowings	3,832,000	4,379,000
Derivatives (included in Other liabilities)	350,000	333,000
Total liabilities	4,182,000	4,712,000
Gross amounts not offset in the balance sheet, Financial Instruments
Federal funds sold and securities purchased under agreements to resell	0	0
Derivatives (included in Other assets)	(19,000)	(31,000)
Total assets	(19,000)	(31,000)
Federal funds and other short-term borrowings	0	0
Derivatives (included in Other liabilities)	(19,000)	(31,000)
Total liabilities	(19,000)	(31,000)
Gross amounts not offset in the balance sheet, Cash collateral received/ pledged
Federal funds sold and securities purchased under agreements to resell	0	0
Derivatives (included in Other assets)	(404,000)	(357,000)
Total assets	(404,000)	(357,000)
Federal funds and other short-term borrowings	0	0
Derivatives (included in Other liabilities)	(3,000)	(1,000)
Total liabilities	$ (3,000)	$ (1,000)
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities	Other liabilities
Net amount
Federal funds sold and securities purchased under agreements to resell	$ 1,453,000	$ 937,000
Derivatives (included in Other assets)	23,000	32,000
Total assets	1,476,000	969,000
Federal funds and other short-term borrowings	3,832,000	4,379,000
Derivatives (included in Other liabilities)	328,000	301,000
Total liabilities	$ 4,160,000	$ 4,680,000

INVESTMENT SECURITIES (Narrativ

INVESTMENT SECURITIES (Narrative) (Details) $ in Millions	Dec. 31, 2024 USD ($) security	Dec. 31, 2023 USD ($) security
Investments [Abstract]
Accrued interest receivable	$ 60	$ 65
Unrealized loss unamortized over the life of security	1,800	2,100
Unrealized loss unamortized over the life of security, after tax	$ 1,400	$ 1,500
Number of AFS investment securities in an unrealized loss position | security	2,534	2,998
Allowance for credit loss on HTM securities (less than)	$ 1

INVESTMENT SECURITIES (Summary

INVESTMENT SECURITIES (Summary of Investment Securities) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Amortized cost
Total available-for-sale	$ 10,601	$ 11,759
Held-to-maturity	9,669	10,382
Total investment securities	20,270	22,141
Gross unrealized gains
Available-for-sale	1	0
Held-to-maturity	2	156
Total investment securities	3	156
Gross unrealized losses
Available-for-sale	1,507	1,459
Held-to-maturity	289	72
Total investment securities	1,796	1,531
Estimated fair value
Available-for-sale	9,095	10,300
Held-to-maturity	9,382	10,466
Total investment securities	18,477	20,766
U.S. Treasury securities
Amortized cost
Total available-for-sale	781	585
Gross unrealized gains
Available-for-sale	0	0
Gross unrealized losses
Available-for-sale	119	93
Estimated fair value
Available-for-sale	662	492
Agency securities
Amortized cost
Total available-for-sale	441	663
Held-to-maturity	148	93
Gross unrealized gains
Available-for-sale	0	0
Held-to-maturity	0	0
Gross unrealized losses
Available-for-sale	26	33
Held-to-maturity	8	6
Estimated fair value
Available-for-sale	415	630
Held-to-maturity	140	87
Agency guaranteed mortgage-backed securities
Amortized cost
Total available-for-sale	7,713	8,530
Held-to-maturity	9,202	9,935
Gross unrealized gains
Available-for-sale	1	0
Held-to-maturity	2	156
Gross unrealized losses
Available-for-sale	1,263	1,239
Held-to-maturity	263	50
Estimated fair value
Available-for-sale	6,451	7,291
Held-to-maturity	8,941	10,041
Small Business Administration loan-backed securities
Amortized cost
Total available-for-sale	455	571
Gross unrealized gains
Available-for-sale	0	0
Gross unrealized losses
Available-for-sale	21	25
Estimated fair value
Available-for-sale	434	546
Municipal securities
Amortized cost
Total available-for-sale	1,186	1,385
Held-to-maturity	319	354
Gross unrealized gains
Available-for-sale	0	0
Held-to-maturity	0	0
Gross unrealized losses
Available-for-sale	78	67
Held-to-maturity	18	16
Estimated fair value
Available-for-sale	1,108	1,318
Held-to-maturity	301	338
Other debt securities
Amortized cost
Total available-for-sale	25	25
Gross unrealized gains
Available-for-sale	0	0
Gross unrealized losses
Available-for-sale	0	2
Estimated fair value
Available-for-sale	$ 25	23
Unrealized gains
Gross unrealized gains
Available-for-sale		$ 1

INVESTMENT SECURITIES (Contract

INVESTMENT SECURITIES (Contractual Maturities Debt Securities) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Available-for-sale, Amortized cost
Total debt securities	$ 10,601	$ 11,759
Due in one year or less	448
Due after one year through five years	588
Due after five years through ten years	2,481
Due after ten years	$ 7,084
Available-for-sale, Weighted average yield
Total debt securities	2.32%
Due in one year or less	3.61%
Due after one year through five years	2.98%
Due after five years through ten years	2.28%
Due after ten years	2.20%
Held-to-maturity, Amortized cost
Total debt securities	$ 9,669	10,382
Due in one year or less	34
Due after one year through five years	132
Due after five years through ten years	181
Due after ten years	$ 9,322
Held-to-maturity, Weighted average yield
Total debt securities	1.92%
Due in one year or less	3.49%
Due after one year through five years	2.93%
Due after five years through ten years	3%
Due after ten years	1.88%
Total investment securities, Amortized cost
Total investment securities	$ 20,270	22,141
Due in one year or less	482
Due after one year through five years	720
Due after five years through ten years	2,662
Due after ten years	$ 16,406
Total investment securities, Weighted average yield
Total debt securities	2.13%
Due in one year or less	3.60%
Due after one year through five years	2.97%
Due after five years through ten years	2.33%
Due after ten years	2.02%
U.S. Treasury securities
Available-for-sale, Amortized cost
Total debt securities	$ 781	585
Due in one year or less	179
Due after one year through five years	101
Due after five years through ten years	100
Due after ten years	$ 401
Available-for-sale, Weighted average yield
Total debt securities	3.28%
Due in one year or less	4.41%
Due after one year through five years	4%
Due after five years through ten years	4.23%
Due after ten years	2.35%
Agency securities
Available-for-sale, Amortized cost
Total debt securities	$ 441	663
Due in one year or less	74
Due after one year through five years	44
Due after five years through ten years	195
Due after ten years	$ 128
Available-for-sale, Weighted average yield
Total debt securities	3.09%
Due in one year or less	2.99%
Due after one year through five years	3.83%
Due after five years through ten years	2.92%
Due after ten years	3.14%
Held-to-maturity, Amortized cost
Total debt securities	$ 148	93
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	$ 148
Held-to-maturity, Weighted average yield
Total debt securities	4.18%
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	4.18%
Agency guaranteed mortgage-backed securities
Available-for-sale, Amortized cost
Total debt securities	$ 7,713	8,530
Due in one year or less	18
Due after one year through five years	105
Due after five years through ten years	1,390
Due after ten years	$ 6,200
Available-for-sale, Weighted average yield
Total debt securities	2.02%
Due in one year or less	1.25%
Due after one year through five years	2.04%
Due after five years through ten years	2.09%
Due after ten years	2%
Held-to-maturity, Amortized cost
Total debt securities	$ 9,202	9,935
Due in one year or less	0
Due after one year through five years	0
Due after five years through ten years	41
Due after ten years	$ 9,161
Held-to-maturity, Weighted average yield
Total debt securities	1.84%
Due in one year or less	0%
Due after one year through five years	0%
Due after five years through ten years	1.89%
Due after ten years	1.84%
Small Business Administration loan-backed securities
Available-for-sale, Amortized cost
Total debt securities	$ 455	571
Due in one year or less	1
Due after one year through five years	13
Due after five years through ten years	122
Due after ten years	$ 319
Available-for-sale, Weighted average yield
Total debt securities	4.78%
Due in one year or less	7.46%
Due after one year through five years	5.74%
Due after five years through ten years	3.91%
Due after ten years	5.07%
Municipal securities
Available-for-sale, Amortized cost
Total debt securities	$ 1,186	1,385
Due in one year or less	176
Due after one year through five years	315
Due after five years through ten years	674
Due after ten years	$ 21
Available-for-sale, Weighted average yield
Total debt securities	2.27%
Due in one year or less	3.27%
Due after one year through five years	2.53%
Due after five years through ten years	1.89%
Due after ten years	2.30%
Held-to-maturity, Amortized cost
Total debt securities	$ 319	354
Due in one year or less	34
Due after one year through five years	132
Due after five years through ten years	140
Due after ten years	$ 13
Held-to-maturity, Weighted average yield
Total debt securities	3.22%
Due in one year or less	3.49%
Due after one year through five years	2.93%
Due after five years through ten years	3.32%
Due after ten years	4.25%
Other debt securities
Available-for-sale, Amortized cost
Total debt securities	$ 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
Available-for-sale, Weighted average yield
Total debt securities	8.34%
Due in one year or less	0%
Due after one year through five years	9.51%
Due after five years through ten years	0%
Due after ten years	7.56%

INVESTMENT SECURITIES (Summar_2

INVESTMENT SECURITIES (Summary of Amount of Gross Unrealized Losses for Debt Securities and Estimated Fair Value) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Gross unrealized losses
Available-for-sale, Less than 12 months	$ 3	$ 73
Available-for-sale, 12 months or more	1,504	1,386
Available-for-sale, Total	1,507	1,459
Estimated fair value
Available-for-sale, less than 12 Months	390	550
Available-for-sale, 12 months or more	8,230	9,373
Available-for-sale, Total	8,620	9,923
U.S. Treasury securities
Gross unrealized losses
Available-for-sale, Less than 12 months	3	0
Available-for-sale, 12 months or more	116	93
Available-for-sale, Total	119	93
Estimated fair value
Available-for-sale, less than 12 Months	198	0
Available-for-sale, 12 months or more	285	308
Available-for-sale, Total	483	308
Agency securities
Gross unrealized losses
Available-for-sale, Less than 12 months	0	0
Available-for-sale, 12 months or more	26	33
Available-for-sale, Total	26	33
Estimated fair value
Available-for-sale, less than 12 Months	3	5
Available-for-sale, 12 months or more	403	605
Available-for-sale, Total	406	610
Agency guaranteed mortgage-backed securities
Gross unrealized losses
Available-for-sale, Less than 12 months	0	71
Available-for-sale, 12 months or more	1,263	1,168
Available-for-sale, Total	1,263	1,239
Estimated fair value
Available-for-sale, less than 12 Months	86	312
Available-for-sale, 12 months or more	6,171	6,902
Available-for-sale, Total	6,257	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	21	25
Available-for-sale, Total	21	25
Estimated fair value
Available-for-sale, less than 12 Months	35	4
Available-for-sale, 12 months or more	387	484
Available-for-sale, Total	422	488
Municipal securities
Gross unrealized losses
Available-for-sale, Less than 12 months	0	2
Available-for-sale, 12 months or more	78	65
Available-for-sale, Total	78	67
Estimated fair value
Available-for-sale, less than 12 Months	68	229
Available-for-sale, 12 months or more	984	1,061
Available-for-sale, Total	1,052	1,290
Other
Gross unrealized losses
Available-for-sale, Less than 12 months	0	0
Available-for-sale, 12 months or more	0	2
Available-for-sale, Total	0	2
Estimated fair value
Available-for-sale, less than 12 Months	0	0
Available-for-sale, 12 months or more	0	13
Available-for-sale, Total	$ 0	$ 13

INVESTMENT SECURITIES (Securiti

INVESTMENT SECURITIES (Securities Gains and Losses Recognized in Income) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Investments [Abstract]
Available-for-sale, gross gains	$ 0	$ 72	$ 0
Available-for-sale, gross losses	$ 0	$ 72	$ 0

INVESTMENT SECURITIES (Tax and

INVESTMENT SECURITIES (Tax and Nontaxable Income by Investment Type) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Net Investment Income [Line Items]
Available-for-sale	$ 325	$ 322	$ 451
Held-to-maturity	222	239	46
Interest on securities	547	561	497
Taxable
Net Investment Income [Line Items]
Available-for-sale	294	291	411
Held-to-maturity	218	236	42
Interest on securities	512	527	453
Nontaxable
Net Investment Income [Line Items]
Available-for-sale	31	31	40
Held-to-maturity	4	3	4
Interest on securities	$ 35	$ 34	$ 44

LOANS, LEASES, AND ALLOWANCE _3

LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Summary of Major Portfolio Segment and Specific Loan Class) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans held for sale (includes $25 and $43 of loans carried at fair value)	$ 74	$ 53
Total loans and leases	59,410	57,779
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	30,965	30,588
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	16,891	16,684
Commercial | Leasing
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	377	383
Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	9,333	9,219
Commercial | Municipal
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	4,364	4,302
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	13,477	13,371
Commercial real estate | Construction and land development
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	2,774	2,669
Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	10,703	10,702
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	14,968	13,820
Consumer | Home equity credit line
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	3,641	3,356
Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	9,939	8,415
Consumer | Construction and other consumer real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	810	1,442
Consumer | Bankcard and other revolving plans
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	457	474
Consumer | Other
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans and leases	$ 121	$ 133

LOANS, LEASES, AND ALLOWANCE _4

LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Losses [Line Items]
Net unamortized purchase premiums, discounts, and deferred loan fees and cost	$ 43,000,000	$ 37,000,000
Accrued interest receivable	$ 281,000,000	$ 299,000,000
Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Loans and leases, net of unearned income and fees	$ 59,410,000,000	$ 57,779,000,000
Loans held for sale (includes $25 and $43 of loans carried at fair value)	74,000,000	53,000,000
Principal balance of loans sold, serviced loans	615,000,000	431,000,000
Income from loans sold	8,000,000	16,000,000	$ 14,000,000
Financing receivable, commitments threshold for evaluating collectively or individually	1,000,000
Nonaccruing loan threshold for evaluating individually	1,000,000
Real estate acquired through foreclosure (less than)	1,000,000	1,000,000
Mortgage loans in process of foreclosure	14,000,000	11,000,000
Asset Pledged as Collateral without Right
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans held for sale (includes $25 and $43 of loans carried at fair value)	40,400,000,000	36,300,000,000
Doubtful
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	14,000,000	0
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	$ 13,477,000,000	13,371,000,000
Financing receivable, period once past due, charged off or charged down (in days)	180 days
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	$ 14,968,000,000	13,820,000,000
Financing receivable, period once past due, charged off or charged down (in days)	180 days
Payment deferral
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, modifications, subsequent default, recorded investment (prior year less than)	$ 1,000,000	1,000,000
Principal forgiveness
Financing Receivable, Allowance for Credit Losses [Line Items]
Loan modifications to borrowers experiencing financial difficulty, principal amount forgiven (less than)	1,000,000	1,000,000
Land Acquisition and Development | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	$ 260,000,000	$ 219,000,000
Closed-End Consumer Loans | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Financing receivable, period once past due, charged off or charged down (in days)	120 days

LOANS, LEASES, AND ALLOWANCE _5

LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Loans Held For Sale) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Receivables [Abstract]
Payments for origination and purchases of loans held-for-sale	$ 922	$ 678
Held-for-sale loans sold	$ 899	$ 632

LOANS, LEASES, AND ALLOWANCE _6

LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Summary of Changes in the Allowance for Credit Losses) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Allowance for loan and lease losses
Balance at beginning of period	$ 684	$ 572
Provision for loan losses	72	148	$ 101
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff	91	62
Recoveries	31	26
Net loan and lease charge-offs (recoveries)	60	36
Balance at ending of period	696	684	572
Reserve for unfunded lending commitments
Balance at beginning of period	45	61
Provision for unfunded lending commitments	0	(16)	21
Balance at end of period	45	45	61
Total allowance for credit losses	741	729
Commercial
Allowance for loan and lease losses
Balance at beginning of period	302	300
Provision for loan losses	51	27
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff	68	45
Recoveries	23	20
Net loan and lease charge-offs (recoveries)	45	25
Balance at ending of period	308	302	300
Reserve for unfunded lending commitments
Balance at beginning of period	19	16
Provision for unfunded lending commitments	7	3
Balance at end of period	26	19	16
Total allowance for credit losses	334	321
Commercial real estate
Allowance for loan and lease losses
Balance at beginning of period	241	152
Provision for loan losses	67	92
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff	11	3
Recoveries	3	0
Net loan and lease charge-offs (recoveries)	8	3
Balance at ending of period	300	241	152
Reserve for unfunded lending commitments
Balance at beginning of period	17	33
Provision for unfunded lending commitments	(6)	(16)
Balance at end of period	11	17	33
Total allowance for credit losses	311	258
Consumer
Allowance for loan and lease losses
Balance at beginning of period	141	120
Provision for loan losses	(46)	29
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff	12	14
Recoveries	5	6
Net loan and lease charge-offs (recoveries)	7	8
Balance at ending of period	88	141	120
Reserve for unfunded lending commitments
Balance at beginning of period	9	12
Provision for unfunded lending commitments	(1)	(3)
Balance at end of period	8	9	$ 12
Total allowance for credit losses	$ 96	$ 150

LOANS, LEASES, AND ALLOWANCE _7

LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Summary of Nonaccrual Loans) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	$ 112	$ 91
Amortized cost basis with allowance	185	131
Total amortized cost basis	297	222
Related allowance	37	43
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	68	23
Amortized cost basis with allowance	90	81
Total amortized cost basis	158	104
Related allowance	23	32
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	45	11
Amortized cost basis with allowance	69	71
Total amortized cost basis	114	82
Related allowance	19	30
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
Total amortized cost basis	2	2
Related allowance	1	1
Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	18	12
Amortized cost basis with allowance	13	8
Total amortized cost basis	31	20
Related allowance	1	1
Commercial | Municipal
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	5
Amortized cost basis with allowance	6
Total amortized cost basis	11
Related allowance	2
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	27	59
Amortized cost basis with allowance	32	2
Total amortized cost basis	59	61
Related allowance	4	1
Commercial real estate | Construction and land development
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance		22
Amortized cost basis with allowance		0
Total amortized cost basis		22
Related allowance		0
Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	27	37
Amortized cost basis with allowance	32	2
Total amortized cost basis	59	39
Related allowance	4	1
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	17	9
Amortized cost basis with allowance	63	48
Total amortized cost basis	80	57
Related allowance	10	10
Consumer | Home equity credit line
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	5	1
Amortized cost basis with allowance	25	16
Total amortized cost basis	30	17
Related allowance	5	5
Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized cost basis with no allowance	12	8
Amortized cost basis with allowance	37	32
Total amortized cost basis	49	40
Related allowance	4	$ 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
Total amortized cost basis	1
Related allowance	$ 1

LOANS, LEASES, AND ALLOWANCE _8

LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Summary of Accrued Interest Receivables Reversed) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Past Due [Line Items]
Accrued interest receivable written off	$ 25	$ 15	$ 13
Commercial
Financing Receivable, Past Due [Line Items]
Accrued interest receivable written off	16	10	12
Commercial real estate
Financing Receivable, Past Due [Line Items]
Accrued interest receivable written off	5	3	1
Consumer
Financing Receivable, Past Due [Line Items]
Accrued interest receivable written off	$ 4	$ 2	$ 0

LOANS, LEASES, AND ALLOWANCE _9

LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Summary of Past Due Loans (Accruing and Nonaccruing)) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	$ 59,410	$ 57,779
Accruing loans 90+ days past due	18	3
Nonaccrual loans that are current	297	222
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	30,965	30,588
Accruing loans 90+ days past due	14	2
Nonaccrual loans that are current	158	104
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	16,891	16,684
Accruing loans 90+ days past due	1	1
Nonaccrual loans that are current	114	82
Commercial | Leasing
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	377	383
Accruing loans 90+ days past due	0	0
Nonaccrual loans that are current	2	2
Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	9,333	9,219
Accruing loans 90+ days past due	3	1
Nonaccrual loans that are current	31	20
Commercial | Municipal
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	4,364	4,302
Accruing loans 90+ days past due	10	0
Nonaccrual loans that are current	11
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	13,477	13,371
Accruing loans 90+ days past due	3	0
Nonaccrual loans that are current	59	61
Commercial real estate | Construction and land development
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	2,774	2,669
Accruing loans 90+ days past due	0	0
Nonaccrual loans that are current		22
Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	10,703	10,702
Accruing loans 90+ days past due	3	0
Nonaccrual loans that are current	59	39
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	14,968	13,820
Accruing loans 90+ days past due	1	1
Nonaccrual loans that are current	80	57
Consumer | Home equity credit line
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	3,641	3,356
Accruing loans 90+ days past due	0	0
Nonaccrual loans that are current	30	17
Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	9,939	8,415
Accruing loans 90+ days past due	0	0
Nonaccrual loans that are current	49	40
Consumer | Construction and other consumer real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	810	1,442
Accruing loans 90+ days past due		0
Consumer | Bankcard and other revolving plans
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	457	474
Accruing loans 90+ days past due	1	1
Nonaccrual loans that are current	1
Consumer | Other
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	121	133
Accruing loans 90+ days past due	0	0
Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	59,221	57,576
Current | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	30,891	30,519
Current | Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	16,857	16,631
Current | Commercial | Leasing
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	377	381
Current | Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	9,309	9,206
Current | Commercial | Municipal
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	4,348	4,301
Current | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	13,441	13,306
Current | Commercial real estate | Construction and land development
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	2,774	2,645
Current | Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	10,667	10,661
Current | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	14,889	13,751
Current | Consumer | Home equity credit line
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	3,609	3,334
Current | Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	9,896	8,375
Current | Consumer | Construction and other consumer real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	810	1,442
Current | Consumer | Bankcard and other revolving plans
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	453	468
Current | Consumer | Other
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	121	132
Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	189	203
Total past due | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	74	69
Total past due | Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	34	53
Total past due | Commercial | Leasing
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	2
Total past due | Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	24	13
Total past due | Commercial | Municipal
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	16	1
Total past due | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	36	65
Total past due | Commercial real estate | Construction and land development
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	24
Total past due | Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	36	41
Total past due | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	79	69
Total past due | Consumer | Home equity credit line
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	32	22
Total past due | Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	43	40
Total past due | Consumer | Construction and other consumer real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	0
Total past due | Consumer | Bankcard and other revolving plans
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	4	6
Total past due | Consumer | Other
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	1
30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	76	108
30-89 days past due | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	36	52
30-89 days past due | Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	20	38
30-89 days past due | Commercial | Leasing
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	2
30-89 days past due | Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	10	11
30-89 days past due | Commercial | Municipal
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	6	1
30-89 days past due | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	2	16
30-89 days past due | Commercial real estate | Construction and land development
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	2
30-89 days past due | Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	2	14
30-89 days past due | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	38	40
30-89 days past due | Consumer | Home equity credit line
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	20	17
30-89 days past due | Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	16	17
30-89 days past due | Consumer | Construction and other consumer real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	0
30-89 days past due | Consumer | Bankcard and other revolving plans
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	2	5
30-89 days past due | Consumer | Other
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	1
90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	113	95
90+ days past due | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	38	17
90+ days past due | Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	14	15
90+ days past due | Commercial | Leasing
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	0
90+ days past due | Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	14	2
90+ days past due | Commercial | Municipal
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	10	0
90+ days past due | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	34	49
90+ days past due | Commercial real estate | Construction and land development
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	22
90+ days past due | Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	34	27
90+ days past due | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	41	29
90+ days past due | Consumer | Home equity credit line
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	12	5
90+ days past due | Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	27	23
90+ days past due | Consumer | Construction and other consumer real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	0
90+ days past due | Consumer | Bankcard and other revolving plans
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	2	1
90+ days past due | Consumer | Other
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases, net of unearned income and fees	0	0
Nonaccrual loans that are current
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	183	108
Nonaccrual loans that are current | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	127	83
Nonaccrual loans that are current | Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	98	65
Nonaccrual loans that are current | Commercial | Leasing
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	2	0
Nonaccrual loans that are current | Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	16	18
Nonaccrual loans that are current | Commercial | Municipal
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	11	0
Nonaccrual loans that are current | Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	28	3
Nonaccrual loans that are current | Commercial real estate | Construction and land development
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	0	0
Nonaccrual loans that are current | Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	28	3
Nonaccrual loans that are current | Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	28	22
Nonaccrual loans that are current | Consumer | Home equity credit line
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	13	9
Nonaccrual loans that are current | Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	15	13
Nonaccrual loans that are current | Consumer | Construction and other consumer real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	0	0
Nonaccrual loans that are current | Consumer | Bankcard and other revolving plans
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	0	0
Nonaccrual loans that are current | Consumer | Other
Financing Receivable, Allowance for Credit Losses [Line Items]
Nonaccrual loans that are current	$ 0	$ 0

LOANS, LEASES, AND ALLOWANCE_10

LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Summary of Outstanding Loan Balances (Accruing and Nonaccruing) Categorized by Credit Quality Indicators - Current Year) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Total loans
2024	$ 8,437	$ 8,155
2023	6,729	12,553
2022	11,321	8,774
2021	7,007	4,982
2020	3,912	3,222
Prior	7,759	6,610
Revolving loans amortized cost basis	13,581	12,896
Revolving loans converted to term loans amortized cost basis	664	587
Total loans	(59,410)	(57,779)
Commercial
Total loans
2024	4,715	4,492
2023	3,552	5,770
2022	4,551	4,436
2021	3,558	2,336
2020	1,911	1,729
Prior	3,796	3,201
Revolving loans amortized cost basis	8,630	8,410
Revolving loans converted to term loans amortized cost basis	252	214
Total loans	(30,965)	(30,588)
Commercial real estate
Total loans
2024	2,451	2,571
2023	2,078	3,477
2022	3,361	2,294
2021	1,521	1,634
2020	1,067	884
Prior	1,734	1,482
Revolving loans amortized cost basis	961	757
Revolving loans converted to term loans amortized cost basis	304	272
Total loans	(13,477)	(13,371)
Consumer
Total loans
2024	1,271	1,092
2023	1,099	3,306
2022	3,409	2,044
2021	1,928	1,012
2020	934	609
Prior	2,229	1,927
Revolving loans amortized cost basis	3,990	3,729
Revolving loans converted to term loans amortized cost basis	108	101
Total loans	(14,968)	(13,820)
Commercial and industrial | Commercial
Total loans
2024	2,576	2,678
2023	2,031	2,572
2022	1,782	1,246
2021	810	645
2020	418	544
Prior	738	644
Revolving loans amortized cost basis	8,366	8,196
Revolving loans converted to term loans amortized cost basis	170	159
Total loans	(16,891)	(16,684)
Leasing | Commercial
Total loans
2024	110	106
2023	83	136
2022	107	48
2021	28	30
2020	13	45
Prior	36	18
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	(377)	(383)
Owner-occupied | Commercial
Total loans
2024	1,412	1,092
2023	936	1,982
2022	1,723	2,067
2021	1,755	1,035
2020	927	757
Prior	2,263	2,020
Revolving loans amortized cost basis	264	214
Revolving loans converted to term loans amortized cost basis	53	52
Total loans	(9,333)	(9,219)
Municipal | Commercial
Total loans
2024	617	616
2023	502	1,080
2022	939	1,075
2021	965	626
2020	553	383
Prior	759	519
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	29	3
Total loans	(4,364)	(4,302)
Construction and land development | Commercial real estate
Total loans
2024	418	576
2023	775	940
2022	715	384
2021	99	91
2020	1	28
Prior	9	4
Revolving loans amortized cost basis	680	519
Revolving loans converted to term loans amortized cost basis	77	127
Total loans	(2,774)	(2,669)
Term | Commercial real estate
Total loans
2024	2,033	1,995
2023	1,303	2,537
2022	2,646	1,910
2021	1,422	1,543
2020	1,066	856
Prior	1,725	1,478
Revolving loans amortized cost basis	281	238
Revolving loans converted to term loans amortized cost basis	227	145
Total loans	(10,703)	(10,702)
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	3,534	3,256
Revolving loans converted to term loans amortized cost basis	107	100
Total loans	(3,641)	(3,356)
1-4 family residential | Consumer
Total loans
2024	1,062	814
2023	873	2,267
2022	2,967	1,826
2021	1,886	991
2020	927	598
Prior	2,224	1,919
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	(9,939)	(8,415)
Construction and other consumer real estate | Consumer
Total loans
2024	157	212
2023	191	1,002
2022	420	200
2021	34	15
2020	5	7
Prior	3	6
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	(810)	(1,442)
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	456	473
Revolving loans converted to term loans amortized cost basis	1	1
Total loans	(457)	(474)
Other | Consumer
Total loans
2024	52	66
2023	35	37
2022	22	18
2021	8	6
2020	2	4
Prior	2	2
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	(121)	(133)
Pass | Commercial and industrial | Commercial
Total loans
2024	2,479	2,654
2023	1,951	2,420
2022	1,504	1,204
2021	759	639
2020	387	494
Prior	679	598
Revolving loans amortized cost basis	8,043	7,973
Revolving loans converted to term loans amortized cost basis	150	151
Total loans	(15,952)	(16,133)
Pass | Leasing | Commercial
Total loans
2024	109	104
2023	79	125
2022	94	47
2021	26	29
2020	12	45
Prior	36	18
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	(356)	(368)
Pass | Owner-occupied | Commercial
Total loans
2024	1,346	1,080
2023	907	1,945
2022	1,606	2,020
2021	1,657	1,002
2020	900	721
Prior	2,097	1,907
Revolving loans amortized cost basis	234	212
Revolving loans converted to term loans amortized cost basis	47	52
Total loans	(8,794)	(8,939)
Pass | Municipal | Commercial
Total loans
2024	604	601
2023	498	1,080
2022	939	1,069
2021	960	623
2020	553	382
Prior	753	512
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	29	3
Total loans	(4,336)	(4,270)
Pass | Construction and land development | Commercial real estate
Total loans
2024	361	553
2023	701	938
2022	445	355
2021	4	56
2020	1	7
Prior	9	4
Revolving loans amortized cost basis	680	518
Revolving loans converted to term loans amortized cost basis	52	127
Total loans	(2,253)	(2,558)
Pass | Term | Commercial real estate
Total loans
2024	1,687	1,861
2023	1,198	2,385
2022	2,093	1,833
2021	1,278	1,449
2020	1,053	804
Prior	1,608	1,438
Revolving loans amortized cost basis	254	238
Revolving loans converted to term loans amortized cost basis	175	110
Total loans	(9,346)	(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	3,506	3,237
Revolving loans converted to term loans amortized cost basis	99	97
Total loans	(3,605)	(3,334)
Pass | 1-4 family residential | Consumer
Total loans
2024	1,062	814
2023	870	2,264
2022	2,959	1,823
2021	1,877	988
2020	925	594
Prior	2,197	1,891
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	(9,890)	(8,374)
Pass | Construction and other consumer real estate | Consumer
Total loans
2024	157	212
2023	191	1,002
2022	420	200
2021	34	15
2020	5	7
Prior	3	6
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	(810)	(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	453	471
Revolving loans converted to term loans amortized cost basis	1	1
Total loans	(454)	(472)
Pass | Other | Consumer
Total loans
2024	52	66
2023	35	37
2022	22	18
2021	8	6
2020	2	4
Prior	2	2
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	(121)	(133)
Special Mention | Commercial and industrial | Commercial
Total loans
2024	37	8
2023	24	98
2022	47	34
2021	8	2
2020	2	20
Prior	34	37
Revolving loans amortized cost basis	85	103
Revolving loans converted to term loans amortized cost basis	5	0
Total loans	(242)	(302)
Special Mention | Leasing | Commercial
Total loans
2024	0	2
2023	0	9
2022	2	1
2021	0	1
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)	(13)
Special Mention | Owner-occupied | Commercial
Total loans
2024	38	2
2023	0	5
2022	38	17
2021	31	5
2020	2	17
Prior	18	15
Revolving loans amortized cost basis	18	0
Revolving loans converted to term loans amortized cost basis	1	0
Total loans	(146)	(61)
Special Mention | Municipal | Commercial
Total loans
2024	0	7
2023		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	22	0
2022	21	29
2021	17	30
2020	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	25	0
Total loans	(85)	(59)
Special Mention | Term | Commercial real estate
Total loans
2024	48	55
2023	0	108
2022	87	65
2021	0	78
2020	0	44
Prior	5	6
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	(140)	(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	53	11
2023	43	18
2022	200	7
2021	26	2
2020	28	19
Prior	21	8
Revolving loans amortized cost basis	200	99
Revolving loans converted to term loans amortized cost basis	12	3
Total loans	(583)	(167)
Accruing Substandard | Leasing | Commercial
Total loans
2024	1	0
2023	3	0
2022	10	0
2021	2	0
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	(17)	0
Accruing Substandard | Owner-occupied | Commercial
Total loans
2024	23	10
2023	28	31
2022	75	29
2021	66	21
2020	25	16
Prior	133	90
Revolving loans amortized cost basis	7	2
Revolving loans converted to term loans amortized cost basis	5	0
Total loans	(362)	(199)
Accruing Substandard | Municipal | Commercial
Total loans
2024	10	8
2023	4	0
2022	0	6
2021	0	3
2020	0	1
Prior	3	1
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	(17)	(19)
Accruing Substandard | Construction and land development | Commercial real estate
Total loans
2024	57	23
2023	52	2
2022	249	0
2021	78	5
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	(436)	(30)
Accruing Substandard | Term | Commercial real estate
Total loans
2024	298	79
2023	105	18
2022	443	12
2021	144	16
2020	13	5
Prior	102	24
Revolving loans amortized cost basis	27	0
Revolving loans converted to term loans amortized cost basis	26	35
Total loans	(1,158)	(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	6	4
Revolving loans converted to term loans amortized cost basis	0	1
Total loans	(6)	(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	7	5
2023	13	36
2022	31	1
2021	17	2
2020	1	11
Prior	4	1
Revolving loans amortized cost basis	38	21
Revolving loans converted to term loans amortized cost basis	3	5
Total loans	(114)	(82)
Nonaccrual | Leasing | Commercial
Total loans
2024	0	0
2023	1	2
2022	1	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	5	0
2023	1	1
2022	4	1
2021	1	7
2020	0	3
Prior	15	8
Revolving loans amortized cost basis	5	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	(31)	(20)
Nonaccrual | Municipal | Commercial
Total loans
2024	3	0
2023	0	0
2022	0	0
2021	5	0
2020	0	0
Prior	3	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	(11)	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	0	1
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	(22)
Nonaccrual | Term | Commercial real estate
Total loans
2024	0	0
2023	0	26
2022	23	0
2021	0	0
2020	0	3
Prior	10	10
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	26	0
Total loans	(59)	(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	22	15
Revolving loans converted to term loans amortized cost basis	8	2
Total loans	(30)	(17)
Nonaccrual | 1-4 family residential | Consumer
Total loans
2024	0	0
2023	3	3
2022	8	3
2021	9	3
2020	2	4
Prior	27	27
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	(49)	(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	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

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	Dec. 31, 2024	Dec. 31, 2023
Total loans
2023	$ 8,437	$ 8,155
2022	6,729	12,553
2021	11,321	8,774
2020	7,007	4,982
2019	3,912	3,222
Prior	7,759	6,610
Revolving loans amortized cost basis	13,581	12,896
Revolving loans converted to term loans amortized cost basis	664	587
Total loans	59,410	57,779
Commercial
Total loans
2023	4,715	4,492
2022	3,552	5,770
2021	4,551	4,436
2020	3,558	2,336
2019	1,911	1,729
Prior	3,796	3,201
Revolving loans amortized cost basis	8,630	8,410
Revolving loans converted to term loans amortized cost basis	252	214
Total loans	30,965	30,588
Commercial real estate
Total loans
2023	2,451	2,571
2022	2,078	3,477
2021	3,361	2,294
2020	1,521	1,634
2019	1,067	884
Prior	1,734	1,482
Revolving loans amortized cost basis	961	757
Revolving loans converted to term loans amortized cost basis	304	272
Total loans	13,477	13,371
Consumer
Total loans
2023	1,271	1,092
2022	1,099	3,306
2021	3,409	2,044
2020	1,928	1,012
2019	934	609
Prior	2,229	1,927
Revolving loans amortized cost basis	3,990	3,729
Revolving loans converted to term loans amortized cost basis	108	101
Total loans	14,968	13,820
Commercial and industrial | Commercial
Total loans
2023	2,576	2,678
2022	2,031	2,572
2021	1,782	1,246
2020	810	645
2019	418	544
Prior	738	644
Revolving loans amortized cost basis	8,366	8,196
Revolving loans converted to term loans amortized cost basis	170	159
Total loans	16,891	16,684
Leasing | Commercial
Total loans
2023	110	106
2022	83	136
2021	107	48
2020	28	30
2019	13	45
Prior	36	18
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	377	383
Owner-occupied | Commercial
Total loans
2023	1,412	1,092
2022	936	1,982
2021	1,723	2,067
2020	1,755	1,035
2019	927	757
Prior	2,263	2,020
Revolving loans amortized cost basis	264	214
Revolving loans converted to term loans amortized cost basis	53	52
Total loans	9,333	9,219
Municipal | Commercial
Total loans
2023	617	616
2022	502	1,080
2021	939	1,075
2020	965	626
2019	553	383
Prior	759	519
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	29	3
Total loans	4,364	4,302
Construction and land development | Commercial real estate
Total loans
2023	418	576
2022	775	940
2021	715	384
2020	99	91
2019	1	28
Prior	9	4
Revolving loans amortized cost basis	680	519
Revolving loans converted to term loans amortized cost basis	77	127
Total loans	2,774	2,669
Term | Commercial real estate
Total loans
2023	2,033	1,995
2022	1,303	2,537
2021	2,646	1,910
2020	1,422	1,543
2019	1,066	856
Prior	1,725	1,478
Revolving loans amortized cost basis	281	238
Revolving loans converted to term loans amortized cost basis	227	145
Total loans	10,703	10,702
Home equity credit line | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	3,534	3,256
Revolving loans converted to term loans amortized cost basis	107	100
Total loans	3,641	3,356
1-4 family residential | Consumer
Total loans
2023	1,062	814
2022	873	2,267
2021	2,967	1,826
2020	1,886	991
2019	927	598
Prior	2,224	1,919
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	9,939	8,415
Construction and other consumer real estate | Consumer
Total loans
2023	157	212
2022	191	1,002
2021	420	200
2020	34	15
2019	5	7
Prior	3	6
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	810	1,442
Bankcard and other revolving plans | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	456	473
Revolving loans converted to term loans amortized cost basis	1	1
Total loans	457	474
Other | Consumer
Total loans
2023	52	66
2022	35	37
2021	22	18
2020	8	6
2019	2	4
Prior	2	2
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	121	133
Pass | Commercial and industrial | Commercial
Total loans
2023	2,479	2,654
2022	1,951	2,420
2021	1,504	1,204
2020	759	639
2019	387	494
Prior	679	598
Revolving loans amortized cost basis	8,043	7,973
Revolving loans converted to term loans amortized cost basis	150	151
Total loans	15,952	16,133
Pass | Leasing | Commercial
Total loans
2023	109	104
2022	79	125
2021	94	47
2020	26	29
2019	12	45
Prior	36	18
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	356	368
Pass | Owner-occupied | Commercial
Total loans
2023	1,346	1,080
2022	907	1,945
2021	1,606	2,020
2020	1,657	1,002
2019	900	721
Prior	2,097	1,907
Revolving loans amortized cost basis	234	212
Revolving loans converted to term loans amortized cost basis	47	52
Total loans	8,794	8,939
Pass | Municipal | Commercial
Total loans
2023	604	601
2022	498	1,080
2021	939	1,069
2020	960	623
2019	553	382
Prior	753	512
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	29	3
Total loans	4,336	4,270
Pass | Construction and land development | Commercial real estate
Total loans
2023	361	553
2022	701	938
2021	445	355
2020	4	56
2019	1	7
Prior	9	4
Revolving loans amortized cost basis	680	518
Revolving loans converted to term loans amortized cost basis	52	127
Total loans	2,253	2,558
Pass | Term | Commercial real estate
Total loans
2023	1,687	1,861
2022	1,198	2,385
2021	2,093	1,833
2020	1,278	1,449
2019	1,053	804
Prior	1,608	1,438
Revolving loans amortized cost basis	254	238
Revolving loans converted to term loans amortized cost basis	175	110
Total loans	9,346	10,118
Pass | Home equity credit line | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	3,506	3,237
Revolving loans converted to term loans amortized cost basis	99	97
Total loans	3,605	3,334
Pass | 1-4 family residential | Consumer
Total loans
2023	1,062	814
2022	870	2,264
2021	2,959	1,823
2020	1,877	988
2019	925	594
Prior	2,197	1,891
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	9,890	8,374
Pass | Construction and other consumer real estate | Consumer
Total loans
2023	157	212
2022	191	1,002
2021	420	200
2020	34	15
2019	5	7
Prior	3	6
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	810	1,442
Pass | Bankcard and other revolving plans | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	453	471
Revolving loans converted to term loans amortized cost basis	1	1
Total loans	454	472
Pass | Other | Consumer
Total loans
2023	52	66
2022	35	37
2021	22	18
2020	8	6
2019	2	4
Prior	2	2
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	121	133
Special Mention | Commercial and industrial | Commercial
Total loans
2023	37	8
2022	24	98
2021	47	34
2020	8	2
2019	2	20
Prior	34	37
Revolving loans amortized cost basis	85	103
Revolving loans converted to term loans amortized cost basis	5	0
Total loans	242	302
Special Mention | Leasing | Commercial
Total loans
2023	0	2
2022	0	9
2021	2	1
2020	0	1
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	2	13
Special Mention | Owner-occupied | Commercial
Total loans
2023	38	2
2022	0	5
2021	38	17
2020	31	5
2019	2	17
Prior	18	15
Revolving loans amortized cost basis	18	0
Revolving loans converted to term loans amortized cost basis	1	0
Total loans	146	61
Special Mention | Municipal | Commercial
Total loans
2023	0	7
2022		0
2021	0	0
2020	0	0
2019	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	22	0
2021	21	29
2020	17	30
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	25	0
Total loans	85	59
Special Mention | Term | Commercial real estate
Total loans
2023	48	55
2022	0	108
2021	87	65
2020	0	78
2019	0	44
Prior	5	6
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	140	356
Special Mention | Home equity credit line | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Special Mention | 1-4 family residential | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Special Mention | Construction and other consumer real estate | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Special Mention | Bankcard and other revolving plans | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Special Mention | Other | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Accruing Substandard | Commercial and industrial | Commercial
Total loans
2023	53	11
2022	43	18
2021	200	7
2020	26	2
2019	28	19
Prior	21	8
Revolving loans amortized cost basis	200	99
Revolving loans converted to term loans amortized cost basis	12	3
Total loans	583	167
Accruing Substandard | Leasing | Commercial
Total loans
2023	1	0
2022	3	0
2021	10	0
2020	2	0
2019	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	17	0
Accruing Substandard | Owner-occupied | Commercial
Total loans
2023	23	10
2022	28	31
2021	75	29
2020	66	21
2019	25	16
Prior	133	90
Revolving loans amortized cost basis	7	2
Revolving loans converted to term loans amortized cost basis	5	0
Total loans	362	199
Accruing Substandard | Municipal | Commercial
Total loans
2023	10	8
2022	4	0
2021	0	6
2020	0	3
2019	0	1
Prior	3	1
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	17	19
Accruing Substandard | Construction and land development | Commercial real estate
Total loans
2023	57	23
2022	52	2
2021	249	0
2020	78	5
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	436	30
Accruing Substandard | Term | Commercial real estate
Total loans
2023	298	79
2022	105	18
2021	443	12
2020	144	16
2019	13	5
Prior	102	24
Revolving loans amortized cost basis	27	0
Revolving loans converted to term loans amortized cost basis	26	35
Total loans	1,158	189
Accruing Substandard | Home equity credit line | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	6	4
Revolving loans converted to term loans amortized cost basis	0	1
Total loans	6	5
Accruing Substandard | 1-4 family residential | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	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
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Accruing Substandard | Bankcard and other revolving plans | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	2	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
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Nonaccrual | Commercial and industrial | Commercial
Total loans
2023	7	5
2022	13	36
2021	31	1
2020	17	2
2019	1	11
Prior	4	1
Revolving loans amortized cost basis	38	21
Revolving loans converted to term loans amortized cost basis	3	5
Total loans	114	82
Nonaccrual | Leasing | Commercial
Total loans
2023	0	0
2022	1	2
2021	1	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	2	2
Nonaccrual | Owner-occupied | Commercial
Total loans
2023	5	0
2022	1	1
2021	4	1
2020	1	7
2019	0	3
Prior	15	8
Revolving loans amortized cost basis	5	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	31	20
Nonaccrual | Municipal | Commercial
Total loans
2023	3	0
2022	0	0
2021	0	0
2020	5	0
2019	0	0
Prior	3	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	11	0
Nonaccrual | Construction and land development | Commercial real estate
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	21
Prior	0	0
Revolving loans amortized cost basis	0	1
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	22
Nonaccrual | Term | Commercial real estate
Total loans
2023	0	0
2022	0	26
2021	23	0
2020	0	0
2019	0	3
Prior	10	10
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	26	0
Total loans	59	39
Nonaccrual | Home equity credit line | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	22	15
Revolving loans converted to term loans amortized cost basis	8	2
Total loans	30	17
Nonaccrual | 1-4 family residential | Consumer
Total loans
2023	0	0
2022	3	3
2021	8	3
2020	9	3
2019	2	4
Prior	27	27
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	49	40
Nonaccrual | Construction and other consumer real estate | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	0	0
Nonaccrual | Bankcard and other revolving plans | Consumer
Total loans
2023	0	0
2022	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	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	0	0
2021	0	0
2020	0	0
2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Revolving loans converted to term loans amortized cost basis	0	0
Total loans	$ 0	$ 0

LOANS, LEASES, AND ALLOWANCE_12

LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Summary of Gross Charge-offs by Loan Origination Year) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Gross charge-offs
2024/2023	$ 0	$ 1
2023/2022	10	12
2022/2021	24	6
2021/2020	2	0
2020/2019	0	1
Prior	12	4
Revolving loans gross charge-offs	39	36
Revolving loans converted to term loans gross charge-offs	4	2
Total	91	62
Commercial
Gross charge-offs
2024/2023	0
2023/2022	3
2022/2021	20
2021/2020	2
2020/2019	0
Prior	9
Revolving loans gross charge-offs	30
Revolving loans converted to term loans gross charge-offs	4
Total	68	45
Commercial | Commercial and industrial
Gross charge-offs
2024/2023	0	1
2023/2022	3	10
2022/2021	19	6
2021/2020	2	0
2020/2019	0	0
Prior	9	2
Revolving loans gross charge-offs	30	24
Revolving loans converted to term loans gross charge-offs	4	2
Total	67	45
Commercial | Owner-occupied
Gross charge-offs
2024/2023	0
2023/2022	0
2022/2021	1
2021/2020	0
2020/2019	0
Prior	0
Revolving loans gross charge-offs	0
Revolving loans converted to term loans gross charge-offs	0
Total	1
Commercial real estate
Gross charge-offs
2024/2023		0
2023/2022		2
2022/2021		0
2021/2020		0
2020/2019		1
Prior		0
Revolving loans gross charge-offs		0
Revolving loans converted to term loans gross charge-offs		0
Total	11	3
Commercial real estate | Construction and land development
Gross charge-offs
2024/2023		0
2023/2022		0
2022/2021		0
2021/2020		0
2020/2019		1
Prior		0
Revolving loans gross charge-offs		0
Revolving loans converted to term loans gross charge-offs		0
Total		1
Commercial real estate | Term
Gross charge-offs
2024/2023	0	0
2023/2022	7	2
2022/2021	4	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans gross charge-offs	0	0
Revolving loans converted to term loans gross charge-offs	0	0
Total	11	2
Consumer
Gross charge-offs
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	3	2
Revolving loans gross charge-offs	9	12
Revolving loans converted to term loans gross charge-offs	0	0
Total	12	14
Consumer | Home equity credit line
Gross charge-offs
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans gross charge-offs	1	3
Revolving loans converted to term loans gross charge-offs	0	0
Total	1	3
Consumer | 1-4 family residential
Gross charge-offs
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	1	2
Revolving loans gross charge-offs	0	0
Revolving loans converted to term loans gross charge-offs	0	0
Total	1	2
Consumer | Bankcard and other revolving plans
Gross charge-offs
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans gross charge-offs	8	9
Revolving loans converted to term loans gross charge-offs	0	0
Total	8	$ 9
Consumer | Other
Gross charge-offs
2024/2023	0
2023/2022	0
2022/2021	0
2021/2020	0
2020/2019	0
Prior	2
Revolving loans gross charge-offs	0
Revolving loans converted to term loans gross charge-offs	0
Total	$ 2

LOANS, LEASES, AND ALLOWANCE_13

LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Summary of Selected Information on Modified Loans) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	$ 470	$ 264
Percentage of total loans	0.80%	0.50%
Unfunded lending commitments	$ 11	$ 22
Interest rate reduction
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	19	4
Maturity or term extension
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	257	256
Principal forgiveness
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	3	1
Payment deferral
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	1	2
Multiple modification types
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	190	1
Extended Maturity and Interest Rate Reduction
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty		185
Commercial
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	$ 128	$ 69
Percentage of total loans	0.40%	0.20%
Commercial | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	$ 19	$ 4
Commercial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	60	63
Commercial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	0	0
Commercial | Payment deferral
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	1	2
Commercial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	48	0
Commercial | Commercial and industrial
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	$ 105	$ 47
Percentage of total loans	0.60%	0.30%
Commercial | Commercial and industrial | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	$ 19	$ 0
Commercial | Commercial and industrial | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	37	46
Commercial | Commercial and industrial | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	0	0
Commercial | Commercial and industrial | Payment deferral
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	1	1
Commercial | Commercial and industrial | Multiple modification types
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	48	0
Commercial | Owner-occupied
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	$ 12	$ 14
Percentage of total loans	0.10%	0.20%
Commercial | Owner-occupied | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	$ 0	$ 4
Commercial | Owner-occupied | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	12	9
Commercial | Owner-occupied | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	0	0
Commercial | Owner-occupied | Payment deferral
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	0	1
Commercial | Owner-occupied | Multiple modification types
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	0	0
Commercial | Municipal
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	$ 11	$ 8
Percentage of total loans	0.30%	0.20%
Commercial | Municipal | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	$ 0	$ 0
Commercial | Municipal | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	11	8
Commercial | Municipal | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	0	0
Commercial | Municipal | Payment deferral
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	0	0
Commercial | Municipal | Multiple modification types
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	0	0
Commercial real estate
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	$ 332	$ 192
Percentage of total loans	2.50%	1.40%
Commercial real estate | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	$ 0	$ 0
Commercial real estate | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	197	192
Commercial real estate | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	0	0
Commercial real estate | Payment deferral
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	0	0
Commercial real estate | Multiple modification types
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	135	0
Commercial real estate | Construction and land development
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	$ 43	$ 27
Percentage of total loans	1.60%	1%
Commercial real estate | Construction and land development | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	$ 0	$ 0
Commercial real estate | Construction and land development | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	18	27
Commercial real estate | Construction and land development | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	0	0
Commercial real estate | Construction and land development | Payment deferral
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	0	0
Commercial real estate | Construction and land development | Multiple modification types
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	25	0
Commercial real estate | Term
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	$ 289	$ 165
Percentage of total loans	2.70%	1.50%
Commercial real estate | Term | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	$ 0	$ 0
Commercial real estate | Term | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	179	165
Commercial real estate | Term | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	0	0
Commercial real estate | Term | Payment deferral
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	0	0
Commercial real estate | Term | Multiple modification types
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	110	0
Consumer
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	$ 10	$ 3
Percentage of total loans	0.10%	0%
Consumer | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	$ 0	$ 0
Consumer | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	0	1
Consumer | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	3	1
Consumer | Payment deferral
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	0	0
Consumer | Multiple modification types
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	7	1
Consumer | Home equity credit line
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	$ 2
Percentage of total loans	0.10%
Consumer | Home equity credit line | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	$ 0
Consumer | Home equity credit line | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	0
Consumer | Home equity credit line | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	1
Consumer | Home equity credit line | Payment deferral
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	0
Consumer | Home equity credit line | Multiple modification types
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	1
Consumer | 1-4 family residential
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	$ 7	$ 2
Percentage of total loans	0.10%	0%
Consumer | 1-4 family residential | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	$ 0	$ 0
Consumer | 1-4 family residential | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	0	0
Consumer | 1-4 family residential | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	2	1
Consumer | 1-4 family residential | Payment deferral
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	0	0
Consumer | 1-4 family residential | Multiple modification types
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	5	1
Consumer | Bankcard and other revolving plans
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	$ 1	$ 1
Percentage of total loans	0.20%	0.20%
Consumer | Bankcard and other revolving plans | Interest rate reduction
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	$ 0	$ 0
Consumer | Bankcard and other revolving plans | Maturity or term extension
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	0	1
Consumer | Bankcard and other revolving plans | Principal forgiveness
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	0	0
Consumer | Bankcard and other revolving plans | Payment deferral
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	0	0
Consumer | Bankcard and other revolving plans | Multiple modification types
Financing Receivable, Modifications [Line Items]
Loan modifications to borrowers experiencing financial difficulty	$ 1	$ 0

LOANS, LEASES, AND ALLOWANCE_14

LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Summary of Financial Impact of Loan Modifications) (Details)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Interest rate reduction
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	0.60%	4.40%
Maturity or term extension
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average term extension (in months)	10 months	16 months
Commercial | Interest rate reduction
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	0.70%	4.40%
Commercial | Maturity or term extension
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average term extension (in months)	9 months	14 months
Commercial | Commercial and industrial | Interest rate reduction
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	0.70%
Commercial | Commercial and industrial | Maturity or term extension
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average term extension (in months)	7 months	13 months
Commercial | Owner-occupied | Interest rate reduction
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	0%	4.40%
Commercial | Owner-occupied | Maturity or term extension
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average term extension (in months)	12 months	18 months
Commercial | Municipal | Interest rate reduction
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	0%	0%
Commercial | Municipal | Maturity or term extension
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average term extension (in months)	19 months	12 months
Commercial real estate | Interest rate reduction
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	0.50%	0%
Commercial real estate | Maturity or term extension
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average term extension (in months)	9 months	16 months
Commercial real estate | Construction and land development | Interest rate reduction
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	0.20%	0%
Commercial real estate | Construction and land development | Maturity or term extension
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average term extension (in months)	9 months	8 months
Commercial real estate | Term | Interest rate reduction
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	0.60%	0%
Commercial real estate | Term | Maturity or term extension
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average term extension (in months)	9 months	18 months
Consumer | Interest rate reduction
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	2.70%	0%
Consumer | Maturity or term extension
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average term extension (in months)	32 months	82 months
Consumer | Home equity credit line | Interest rate reduction
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	5.60%	0%
Consumer | Home equity credit line | Maturity or term extension
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average term extension (in months)	39 months	0 months
Consumer | 1-4 family residential | Interest rate reduction
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	1.70%	0%
Consumer | 1-4 family residential | Maturity or term extension
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average term extension (in months)	36 months	103 months
Consumer | Bankcard and other revolving plans | Interest rate reduction
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average interest rate reduction (in percentage points)	0.30%	0%
Consumer | Bankcard and other revolving plans | Maturity or term extension
Financing Receivable, Allowance for Credit Losses [Line Items]
Weighted-average term extension (in months)	3 months	50 months

LOANS, LEASES, AND ALLOWANCE_15

LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Summary Aging Analysis, Modified) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	$ 470	$ 264
Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	457	251
Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	13	13
30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	4	13
90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	9	0
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	128	69
Commercial | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	116	65
Commercial | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	12	4
Commercial | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	3	4
Commercial | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	9	0
Commercial | Commercial and industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	105	47
Commercial | Commercial and industrial | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	102	44
Commercial | Commercial and industrial | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	3	3
Commercial | Commercial and industrial | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	2	3
Commercial | Commercial and industrial | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	1	0
Commercial | Owner-occupied
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	12	14
Commercial | Owner-occupied | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	11	13
Commercial | Owner-occupied | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	1	1
Commercial | Owner-occupied | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	1	1
Commercial | Owner-occupied | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	0
Commercial | Municipal
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	11	8
Commercial | Municipal | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	3	8
Commercial | Municipal | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	8	0
Commercial | Municipal | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	0
Commercial | Municipal | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	8	0
Commercial real estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	332	192
Commercial real estate | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	332	183
Commercial real estate | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	9
Commercial real estate | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	9
Commercial real estate | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	0
Commercial real estate | Construction and land development
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	43	27
Commercial real estate | Construction and land development | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	43	27
Commercial real estate | Construction and land development | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	0
Commercial real estate | Construction and land development | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	0
Commercial real estate | Construction and land development | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	0
Commercial real estate | Term
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	289	165
Commercial real estate | Term | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	289	156
Commercial real estate | Term | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	9
Commercial real estate | Term | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	9
Commercial real estate | Term | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	0
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	10	3
Consumer | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	9	3
Consumer | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	1	0
Consumer | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	1	0
Consumer | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	0
Consumer | Home equity credit line
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	2
Consumer | Home equity credit line | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	2
Consumer | Home equity credit line | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Consumer | Home equity credit line | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Consumer | Home equity credit line | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0
Consumer | 1-4 family residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	7	2
Consumer | 1-4 family residential | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	6	2
Consumer | 1-4 family residential | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	1	0
Consumer | 1-4 family residential | 30-89 days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	1	0
Consumer | 1-4 family residential | 90+ days past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	0
Consumer | Bankcard and other revolving plans
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	1	1
Consumer | Bankcard and other revolving plans | Current
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	1	1
Consumer | Bankcard and other revolving plans | Total past due
Financing Receivable, Allowance for Credit Losses [Line Items]
Total	0	0
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

LOANS, LEASES, AND ALLOWANCE_16

LOANS, LEASES, AND ALLOWANCE FOR CREDIT LOSSES (Collateral-Dependent Loans) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized Cost	$ 66	$ 57
Owner-occupied | Commercial | Retail Facility
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized Cost	$ 6
Weighted Average LTV	64%
Owner-occupied | Commercial | Hospital
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized Cost		$ 7
Weighted Average LTV		17%
Municipal | Commercial | Multifamily Apartments
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized Cost	$ 5
Weighted Average LTV	174%
Construction and land development | Commercial real estate | Office Building
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized Cost		$ 22
Weighted Average LTV		92%
Term | Commercial real estate | Office Building
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized Cost	$ 49	$ 28
Weighted Average LTV	98%	87%
Home equity credit line | Consumer | Single Family Residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized Cost	$ 3
Weighted Average LTV	38%
1-4 family residential | Consumer | Single Family Residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Amortized Cost	$ 3
Weighted Average LTV	29%

DERIVATIVE INSTRUMENTS AND HE_3

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023	Sep. 30, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	$ 24,553	$ 22,148
Deferred loss in OCI	94
Derivative liability, fair value	350	333
Debt securities available for sale	10,601	11,759
U.S. Treasury, agencies, and corporations
Derivative Instruments, Gain (Loss) [Line Items]
Debt securities available for sale	781	585
Asset Pledged as Collateral | Security repurchase agreements
Derivative Instruments, Gain (Loss) [Line Items]
Cash	3
Asset Pledged as Collateral | Security repurchase agreements | U.S. Treasury, agencies, and corporations
Derivative Instruments, Gain (Loss) [Line Items]
Debt securities available for sale	180
Derivatives designated as hedges
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	6,218	6,521
Fair Value Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Debt securities available for sale	10,200
Fair Value Hedging | Derivatives designated as hedges | Pay-Fixed Interest Rate Swap
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	1,000
Fair Value Hedging | Derivatives designated as hedges | Asset Hedge, Pay-Fixed, Receive Floating Interest Rate Swap
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	1,200
Cash Flow Hedging | Derivatives designated as hedges | Pay-Fixed Interest Rate Swap
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount			$ 2,500
Cash Flow Hedging | Derivatives designated as hedges | Pay-Fixed, Receive-Floating Swap
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	500
Cash Flow Hedging | Derivatives designated as hedges | Receive-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivative, notional amount	$ 550	$ 1,450

DERIVATIVE INSTRUMENTS AND HE_4

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES (Notional and Recorded Fair Values) (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Derivative [Line Items]
Notional amount	$ 24,553,000	$ 22,148,000
Derivative asset, fair value	446,000	420,000
Derivative liability, fair value	350,000	333,000
Net credit valuation adjustment reducing fair value	9,000	9,000
Other assets
Derivative [Line Items]
Derivative asset, fair value	446,000	420,000
Other liabilities
Derivative [Line Items]
Derivative liability, fair value	350,000	333,000
Derivatives designated as hedging instruments
Derivative [Line Items]
Notional amount	6,218,000	6,521,000
Derivatives designated as hedging instruments | Other assets
Derivative [Line Items]
Derivative asset, fair value	93,000	78,000
Derivatives designated as hedging instruments | Other liabilities
Derivative [Line Items]
Derivative liability, fair value	2,000	0
Derivatives designated as hedging instruments | Receive-fixed interest rate swaps | Cash Flow Hedging
Derivative [Line Items]
Notional amount	550,000	1,450,000
Derivatives designated as hedging instruments | Receive-fixed interest rate swaps | Other assets | Cash Flow Hedging
Derivative [Line Items]
Derivative asset, fair value	0	0
Derivatives designated as hedging instruments | Receive-fixed interest rate swaps | Other liabilities | Cash Flow Hedging
Derivative [Line Items]
Derivative liability, fair value	2,000	0
Derivatives designated as hedging instruments | Pay-fixed interest rate swaps | Cash Flow Hedging
Derivative [Line Items]
Notional amount	500,000	500,000
Derivatives designated as hedging instruments | Pay-fixed interest rate swaps | Other assets | Cash Flow Hedging
Derivative [Line Items]
Derivative asset, fair value	0	0
Derivatives designated as hedging instruments | Pay-fixed interest rate swaps | Other liabilities | Cash Flow Hedging
Derivative [Line Items]
Derivative liability, fair value	0	0
Derivatives designated as hedging instruments | Debt hedges: Receive-fixed interest rate swaps | Fair Value Hedging
Derivative [Line Items]
Notional amount	500,000	0
Derivatives designated as hedging instruments | Debt hedges: Receive-fixed interest rate swaps | Other assets | Fair Value Hedging
Derivative [Line Items]
Derivative asset, fair value	0	0
Derivatives designated as hedging instruments | Debt hedges: Receive-fixed interest rate swaps | Other liabilities | Fair Value Hedging
Derivative [Line Items]
Derivative liability, fair value	0	0
Derivatives designated as hedging instruments | Asset hedges: Pay-fixed interest rate swaps | Fair Value Hedging
Derivative [Line Items]
Notional amount	4,668,000	4,571,000
Derivatives designated as hedging instruments | Asset hedges: Pay-fixed interest rate swaps | Other assets | Fair Value Hedging
Derivative [Line Items]
Derivative asset, fair value	93,000	78,000
Derivatives designated as hedging instruments | Asset hedges: Pay-fixed interest rate swaps | Other liabilities | Fair Value Hedging
Derivative [Line Items]
Derivative liability, fair value	0	0
Derivatives not designated as hedging instruments
Derivative [Line Items]
Notional amount	18,335,000	15,627,000
Derivatives not designated as hedging instruments | Other assets
Derivative [Line Items]
Derivative asset, fair value	353,000	342,000
Derivatives not designated as hedging instruments | Other liabilities
Derivative [Line Items]
Derivative liability, fair value	348,000	333,000
Derivatives not designated as hedging instruments | Customer interest rate derivatives
Derivative [Line Items]
Notional amount	16,833,000	14,375,000
Derivatives not designated as hedging instruments | Customer interest rate derivatives | Other assets
Derivative [Line Items]
Derivative asset, fair value	348,000	337,000
Derivatives not designated as hedging instruments | Customer interest rate derivatives | Other liabilities
Derivative [Line Items]
Derivative liability, fair value	346,000	330,000
Derivatives not designated as hedging instruments | Other interest rate derivatives
Derivative [Line Items]
Notional amount	1,105,000	1,001,000
Derivatives not designated as hedging instruments | Other interest rate derivatives | Other assets
Derivative [Line Items]
Derivative asset, fair value	1,000	1,000
Derivatives not designated as hedging instruments | Other interest rate derivatives | Other liabilities
Derivative [Line Items]
Derivative liability, fair value	0	0
Derivatives not designated as hedging instruments | Foreign exchange derivatives
Derivative [Line Items]
Notional amount	373,000	216,000
Derivatives not designated as hedging instruments | Foreign exchange derivatives | Other assets
Derivative [Line Items]
Derivative asset, fair value	4,000	3,000
Derivatives not designated as hedging instruments | Foreign exchange derivatives | Other liabilities
Derivative [Line Items]
Derivative liability, fair value	2,000	3,000
Derivatives not designated as hedging instruments | Purchased credit derivatives
Derivative [Line Items]
Notional amount	24,000	35,000
Derivatives not designated as hedging instruments | Purchased credit derivatives | Other assets
Derivative [Line Items]
Derivative asset, fair value	0	1,000
Derivatives not designated as hedging instruments | Purchased credit derivatives | Other liabilities
Derivative [Line Items]
Derivative liability, fair value	$ 0	$ 0

DERIVATIVE INSTRUMENTS AND HE_5

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES (Derivative gain (loss) recognized/reclassified) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Derivative Instruments, Gain (Loss) [Line Items]
Amount of gain/(loss) reclassified from AOCI into income	$ (89)	$ (124)	$ (21)
Gains to be reclassified within the next 12 months into interest income	63	118
Derivatives designated as hedges
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	(4)	35
Amount of gain/(loss) reclassified from AOCI into income	(118)	(165)
Interest on fair value hedges	80	49
Hedge ineffectiveness / AOCI reclass due to missed forecast	(1)	0
Derivatives designated as hedges | Cash Flow Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Terminated or redesignated, unamortized basis adjustments	3	3
Derivatives designated as hedges | Cash Flow Hedging | Receive-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	(8)	31
Amount of gain/(loss) reclassified from AOCI into income	(126)	(170)
Interest on fair value hedges	0	0
Hedge ineffectiveness / AOCI reclass due to missed forecast	0	0
Derivatives designated as hedges | Cash Flow Hedging | Pay-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Effective portion of derivative gain/(loss) deferred in AOCI	4	4
Amount of gain/(loss) reclassified from AOCI into income	8	5
Interest on fair value hedges	0	0
Hedge ineffectiveness / AOCI reclass due to missed forecast	0	0
Derivatives designated as hedges | Fair Value Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Terminated or redesignated, unamortized basis adjustments	39	46
Derivatives designated as hedges | 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	(8)	(9)
Hedge ineffectiveness / AOCI reclass due to missed forecast	0	0
Derivatives designated as hedges | 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	88	58
Hedge ineffectiveness / AOCI reclass due to missed forecast	$ (1)	$ 0

DERIVATIVE INSTRUMENTS AND HE_6

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES (Derivatives Not Designated As Hedges) (Details) - Derivatives not designated as hedging instruments - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	$ 60	$ 49
Customer interest rate derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	30	17
Other interest rate derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	1	4
Foreign exchange derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	29	29
Purchased credit derivatives
Derivative Instruments, Gain (Loss) [Line Items]
Other Noninterest Income/(Expense)	$ 0	$ (1)

DERIVATIVE INSTRUMENTS AND HE_7

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES (Gain (loss) recorded in income) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Derivative Instruments, Gain (Loss) [Line Items]
Total income statement impact	$ 0	$ (4)	$ 16
Fair Value Hedging | Debt hedges: Receive-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives	(7)	14
Hedged items	7	(14)
Total income statement impact	0	0
Fair Value Hedging | Asset hedges: Pay-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Derivatives	108	(22)
Hedged items	(109)	22
Total income statement impact	$ (1)	$ 0

DERIVATIVE INSTRUMENTS AND HE_8

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES (Long-term debt hedged items) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets	$ 41
Total debt securities	10,601	$ 11,759
Derivative, Amount of Hedged Item	3,500
Fair Value Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Total debt securities	10,200
Fair Value Hedging | Debt hedges: Receive-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Par value of hedged liabilities	(500)	0
Carrying amount of hedged liabilities	(493)	0
Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged liabilities	(7)	0
Fair Value Hedging | Asset hedges: Pay-fixed interest rate swaps
Derivative Instruments, Gain (Loss) [Line Items]
Par value of hedged assets	11,388	12,389
Carrying amount of hedged assets	11,099	12,209
Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets	$ (289)	$ (180)

LEASES (Narrative) (Details)

LEASES (Narrative) (Details) $ in Millions	12 Months Ended
	Dec. 31, 2024 USD ($) branch	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Leases [Abstract]
Number of branches | branch	404
Number of branches owned | branch	275
Number of branches leased | branch	129
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Other assets	Other assets
Finance Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Premises, equipment, and software, net	Premises, equipment, and software, net
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other liabilities	Other liabilities
Finance Lease, Liability, Statement of Financial Position [Extensible List]	Long-term debt	Long-term debt
Operating lease income | $	$ 13	$ 14	$ 14
Sales-type or direct financing leases | $	377	383
Sales-type or direct financing leases income | $	$ 18	$ 16	$ 12

LEASES (Assets and Liabilities)

LEASES (Assets and Liabilities) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Operating leases
ROU assets, net of amortization	$ 188	$ 172
Lease liabilities	240	198
Finance leases
ROU assets, net of amortization	3	3
Lease liabilities	$ 4	$ 4
Weighted average remaining lease term (years)
Operating leases	9 years 10 months 24 days	8 years 8 months 12 days
Finance leases	15 years 7 months 6 days	16 years 6 months
Weighted average discount rate
Operating leases	3.80%	3.40%
Finance leases	3.10%	3.10%

LEASES (Components of Lease Exp

LEASES (Components of Lease Expense) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Leases [Abstract]
Operating lease expense	$ 40	$ 43	$ 46
Other expenses associated with operating leases	62	60	51
Total lease expense	102	103	97
Related cash disbursements for operating leases	$ 43	$ 49	$ 50

LEASES (Maturities Analysis) (D

LEASES (Maturities Analysis) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Leases [Abstract]
2023	$ 40
2024	36
2025	27
2026	28
2027	25
Thereafter	140
Total lease payments	296
Less imputed interest	56
Lease liabilities	$ 240	$ 198

PREMISES, EQUIPMENT AND SOFTW_3

PREMISES, EQUIPMENT AND SOFTWARE (Narrative) (Details)	Dec. 31, 2024
Minimum | Building
Property, Plant and Equipment [Line Items]
Estimated useful lives of properties (in years)	25 years
Minimum | Furniture and Equipment
Property, Plant and Equipment [Line Items]
Estimated useful lives of properties (in years)	3 years
Minimum | Software
Property, Plant and Equipment [Line Items]
Estimated useful lives of properties (in years)	3 years
Maximum | Building
Property, Plant and Equipment [Line Items]
Estimated useful lives of properties (in years)	40 years
Maximum | Furniture and Equipment
Property, Plant and Equipment [Line Items]
Estimated useful lives of properties (in years)	10 years
Maximum | Software
Property, Plant and Equipment [Line Items]
Estimated useful lives of properties (in years)	10 years

PREMISES, EQUIPMENT AND SOFTW_4

PREMISES, EQUIPMENT AND SOFTWARE (Schedule of Premises, Equipment and Software, Net) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Property, Plant and Equipment [Abstract]
Land	$ 284	$ 269
Buildings	980	959
Furniture and equipment	337	336
Leasehold improvements	139	137
Software	585	749
Total	2,325	2,450
Less accumulated depreciation and amortization	959	1,050
Net book value	1,366	1,400
Capitalized costs not yet depreciating	$ 51	$ 40

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLE ASSETS (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill impairment loss	$ 0	$ 0

GOODWILL AND OTHER INTANGIBLE_4

GOODWILL AND OTHER INTANGIBLE ASSETS (Schedule Of Goodwill) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Goodwill [Line Items]
Goodwill	$ 1,027	$ 1,027
Core deposits and other intangibles, net of accumulated amortization	25	32
Goodwill and intangibles	1,052	1,059
Amegy
Goodwill [Line Items]
Goodwill	615	615
CB&T
Goodwill [Line Items]
Goodwill	379	379
Zions Bank
Goodwill [Line Items]
Goodwill	20	20
Nevada State Bank
Goodwill [Line Items]
Goodwill	$ 13	$ 13

DEPOSITS (Categories) (Details)

DEPOSITS (Categories) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Other Liabilities Disclosure [Abstract]
Noninterest-bearing demand	$ 24,704	$ 26,244
Savings and money market	40,037	38,721
Time	11,482	9,996
Total deposits	$ 76,223	$ 74,961

DEPOSITS (Scheduled Maturities

DEPOSITS (Scheduled Maturities Of All Time Deposits) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Deposits [Abstract]
2025	$ 11,327
2026	88
2027	29
2028	18
2029	19
Thereafter	1
Total	$ 11,482	$ 9,996

DEPOSITS (Schedule of Contractu

DEPOSITS (Schedule of Contractual Maturities of Time Deposits With a Denomination of $100,000 and Over) (Details) $ in Millions	Dec. 31, 2024 USD ($)
Deposits [Abstract]
Three months or less	$ 1,287
After three months through six months	1,160
After six months through twelve months	391
After twelve months	47
Total	$ 2,885

DEPOSITS (Narrative) (Details)

DEPOSITS (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Deposits [Abstract]
Deposit overdrafts reclassified as loan balances	$ 8	$ 11

SHORT-TERM BORROWINGS (Summary

SHORT-TERM BORROWINGS (Summary of Short-Term Borrowings) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Short-term Debt [Line Items]
Year-end balance	$ 3,832	$ 4,379
Securities sold, not yet purchased	20	65
Total federal funds and other short-term borrowings	3,832	4,379
Federal Home Loan Bank advances
Short-term Debt [Line Items]
Average amount outstanding	$ 1,665	$ 4,208
Average rate	4.89%	5.73%
Highest month-end balance	$ 2,525	$ 11,525
Year-end balance	$ 2,525	$ 1,525
Average rate on outstanding advances at year-end	4.78%	5.59%
Total federal funds and other short-term borrowings	$ 2,525	$ 1,525
Federal funds purchased
Short-term Debt [Line Items]
Other short-term borrowings, year-end balances	108	597
Security repurchase agreements
Short-term Debt [Line Items]
Other short-term borrowings, year-end balances	764	1,814
Swap Margin Collateral
Short-term Debt [Line Items]
Other short-term borrowings, year-end balances	$ 415	$ 378

SHORT-TERM BORROWINGS (Narrativ

SHORT-TERM BORROWINGS (Narrative) (Details) - USD ($) $ in Billions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Short-term Debt [Line Items]
Percentage of outstanding advance for unencumbered collateral	100%
Federal Reserve Bank Advances
Short-term Debt [Line Items]
Amount available for FHLB advances	$ 17.7	$ 9.8
Federal Funds Purchased and Securities Sold under Agreements to Repurchase
Short-term Debt [Line Items]
Maturity period	30 days
Federal Home Loan Bank advances
Short-term Debt [Line Items]
Amount available for FHLB advances	$ 12	$ 15

LONG-TERM DEBT (Schedule of Lon

LONG-TERM DEBT (Schedule of Long-Term Debt) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Long-Term Debt, Unclassified [Abstract]
Subordinated notes	$ 946	$ 538
Finance lease obligations	4	4
Total	$ 950	$ 542

LONG-TERM DEBT (Narrative) (Det

LONG-TERM DEBT (Narrative) (Details) - USD ($) $ in Millions		3 Months Ended
	Nov. 19, 2034	Dec. 31, 2024	Sep. 30, 2024
Debt Instrument [Line Items]
Subordinated notes, par amount		$ 1,000
Subordinated Notes, Interest Rate 3.25%
Debt Instrument [Line Items]
Subordinated notes, par amount		$ 500
Subordinated Notes, Interest Rate 3.25% | Subordinated Debt
Debt Instrument [Line Items]
Debt interest rate		3.25%
Subordinated Notes Interest Rate 6.82%
Debt Instrument [Line Items]
Subordinated notes, par amount		$ 500
Subordinated notes, par amount, redeemed during period		$ 88
Subordinated Notes Interest Rate 6.82% | Subordinated Debt
Debt Instrument [Line Items]
Debt interest rate		6.82%	6.95%
Subordinated Notes Interest Rate 6.82% | Subordinated Debt | Forecast
Debt Instrument [Line Items]
Annual floating rate basis spread on variable rate	2.83%

LONG-TERM DEBT (Schedule of Sub

LONG-TERM DEBT (Schedule of Subordinated Notes) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Sep. 30, 2024	Dec. 31, 2023
Subordinated Borrowing [Line Items]
Subordinated notes	$ 946		$ 538
Subordinated notes, par amount	1,000
Subordinated Notes, Interest Rate 3.25%
Subordinated Borrowing [Line Items]
Subordinated notes	458
Subordinated notes, par amount	$ 500
Subordinated Notes, Interest Rate 3.25% | Subordinated Debt
Subordinated Borrowing [Line Items]
Coupon rate	3.25%
Subordinated Notes Interest Rate 6.82%
Subordinated Borrowing [Line Items]
Subordinated notes	$ 488
Subordinated notes, par amount	$ 500
Subordinated Notes Interest Rate 6.82% | Subordinated Debt
Subordinated Borrowing [Line Items]
Coupon rate	6.82%	6.95%

LONG-TERM DEBT (Schedule of Mat

LONG-TERM DEBT (Schedule of Maturities on Long-Term Debt and Finance Lease Obligations) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Subordinated Debt [Abstract]
2025	$ 0
2026	0
2027	0
2028	0
2029	458
Thereafter	488
Total	946
Finance Lease, Liability [Abstract]
2025	0
2026	0
2027	0
2028	0
2029	0
Thereafter	4
Total	4
2025	0
2026	0
2027	0
2028	0
2029	458
Thereafter	492
Total	$ 950	$ 542

SHAREHOLDERS' EQUITY (Narrative

SHAREHOLDERS' EQUITY (Narrative) (Details) - USD ($) $ / shares in Units, $ in Millions	3 Months Ended				12 Months Ended
	Dec. 31, 2024	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Feb. 25, 2025	Dec. 31, 2021
Schedule of Equity Method Investments [Line Items]
Preferred stock, authorized shares (in shares)	4,400,000				4,400,000	4,400,000
Preferred stock, liquidation preference per depositary share (in dollars per share)	$ 25				$ 25
Depositary share, preferred stock ownership interest					0.025%
Preferred stock redemption	$ (6)	$ 0	$ 0	$ 0	$ (6)	$ 0	$ 0
Shares outstanding (in shares)	147,900,000				147,900,000
Common stock, par value (in dollars per share)	$ 0.001				$ 0.001	$ 0.001
Common stock and additional paid-in capital	$ 1,700				$ 1,700
Common stock and additional paid-in capital increase	$ 6				$ 6
Common stock and additional paid-in capital decrease (as a percent)	1%				1%
Common stock repurchased (in shares)	0	0	0	900,000		900,000
Fair value of stock repurchased				$ 35		$ 50
Average price per share of stock repurchased (in dollars per share)				$ 39.32		$ 52.82
AOCI loss	$ 6,124				$ 6,124	$ 5,691	4,893		$ 7,463
Other comprehensive income, net of tax					312	420	(3,032)
Common stock held in trust	19				19	19
Total invested assets of trusts	149				149	124
Total obligations of trusts	$ 168				$ 168	$ 143
Subsequent Event
Schedule of Equity Method Investments [Line Items]
Share repurchase program, authorized, amount								$ 40
Series A
Schedule of Equity Method Investments [Line Items]
Preferred stock, authorized shares (in shares)	140,000,000				140,000,000
Liquidation preference of preferred stock (per share)	$ 1,000				$ 1,000
Preferred stock, outstanding (in shares)	66,139				66,139	66,139
Accumulated other comprehensive income (loss)
Schedule of Equity Method Investments [Line Items]
AOCI loss	$ (2,380)				$ (2,380)	$ (2,692)	(3,112)		$ (80)
Other comprehensive income, net of tax					$ 312	$ 420	$ (3,032)

SHAREHOLDERS' EQUITY (Preferred

SHAREHOLDERS' EQUITY (Preferred Stock) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Schedule of Equity Method Investments [Line Items]
Carrying value, Preferred stock	$ 66	$ 440
Preferred stock, Authorized (in shares)	4,400,000	4,400,000
Series A
Schedule of Equity Method Investments [Line Items]
Carrying value, Preferred stock	$ 66	$ 66
Preferred stock, Authorized (in shares)	140,000,000
Preferred stock outstanding (in shares)	66,139	66,139
Preferred stock dividend rate	4%
Preferred stock dividend rate basis spread on variable rate	0.78%
Earliest redemption date	Dec. 15, 2011
Series G
Schedule of Equity Method Investments [Line Items]
Carrying value, Preferred stock	$ 0	$ 139
Preferred stock, Authorized (in shares)	200,000,000
Preferred stock outstanding (in shares)	0	138,390
Preferred stock dividend rate basis spread on variable rate	4.50%
Series I
Schedule of Equity Method Investments [Line Items]
Carrying value, Preferred stock	$ 0	$ 99
Preferred stock, Authorized (in shares)	300,893,000
Preferred stock outstanding (in shares)	0	98,555
Preferred stock dividend rate basis spread on variable rate	4.06%
Series J
Schedule of Equity Method Investments [Line Items]
Carrying value, Preferred stock	$ 0	$ 136
Preferred stock, Authorized (in shares)	195,152,000
Preferred stock outstanding (in shares)	0	136,368
Preferred stock dividend rate basis spread on variable rate	4.70%

SHAREHOLDERS' EQUITY (Summary O

SHAREHOLDERS' EQUITY (Summary Of Changes In Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	$ 5,691	$ 4,893	$ 7,463
Other comprehensive income before reclassifications, net of tax	29	88
Amounts reclassified from AOCI, net of tax	283	332
Other comprehensive income (loss), net of tax	312	420	(3,032)
Ending balance	6,124	5,691	4,893
Income tax expense included in other comprehensive income	102	137
Total
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(2,692)	(3,112)	(80)
Ending balance	(2,380)	(2,692)	(3,112)
Net unrealized gains (losses) on investment securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(2,526)	(2,800)
Other comprehensive income before reclassifications, net of tax	31	66
Amounts reclassified from AOCI, net of tax	194	208
Other comprehensive income (loss), net of tax	225	274
Ending balance	(2,301)	(2,526)	(2,800)
Income tax expense included in other comprehensive income	74	90
Net unrealized gains (losses) on derivatives and other
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(165)	(311)
Other comprehensive income before reclassifications, net of tax	(2)	22
Amounts reclassified from AOCI, net of tax	89	124
Other comprehensive income (loss), net of tax	87	146
Ending balance	(78)	(165)	(311)
Income tax expense included in other comprehensive income	28	47
Pension and post-retirement
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance	(1)	(1)
Other comprehensive income before reclassifications, net of tax	0	0
Amounts reclassified from AOCI, net of tax	0	0
Other comprehensive income (loss), net of tax	0	0
Ending balance	(1)	(1)	$ (1)
Income tax expense included in other comprehensive income	$ 0	$ 0

SHAREHOLDERS' EQUITY (Amounts R

SHAREHOLDERS' EQUITY (Amounts Reclassified from AOCI) (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2024	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Accumulated other comprehensive income [Line Items]
Securities gains (losses), net									$ 19	$ 4	$ (15)
Interest and fees on loans									3,514	3,196	2,112
Less: Income tax benefit									228	206	245
Net income	$ 216	$ 214	$ 201	$ 153	$ 126	$ 175	$ 175	$ 204	784	680	907
Net unrealized losses on derivative instruments | Amounts reclassified from AOCI
Accumulated other comprehensive income [Line Items]
Interest and fees on loans									(118)	(165)	(27)
Less: Income tax benefit									(29)	(41)	(6)
Net income									(89)	(124)	(21)
Net unrealized gains (losses) on investment securities | Amounts reclassified from AOCI
Accumulated other comprehensive income [Line Items]
Securities gains (losses), net									(257)	(276)	(53)
Less: Income tax benefit									(63)	(68)	(13)
Net income									$ (194)	$ (208)	$ (40)

REGULATORY MATTERS (Summary of

REGULATORY MATTERS (Summary of Actual Capital Amounts and Ratios for the Company and Its Three Largest Subsidiary Banks) (Details) $ in Millions	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Common equity tier 1 capital (to risk-weighted assets), Actual Amount	$ 7,363	$ 6,863
Common equity tier 1 capital (to risk-weighted assets), Capital Ratio	0.109	0.103
Common equity tier 1 capital (to risk-weighted assets), To be well capitalized, Amount	$ 4,400	$ 4,351
Common equity tier 1 capital (to risk-weighted assets), To be well capitalized, Ratio	0.065	0.065
Tier 1 capital (to risk-weighted assets), Actual Amount	$ 7,430	$ 7,303
Tier 1 risk-based capital (to risk-weighted assets), Capital Ratio	0.110	0.109
Tier 1 capital (to risk-weighted assets), To be well capitalized, Amount	$ 5,415	$ 5,355
Tier 1 capital (to risk-weighted assets), To be well capitalized, Ratio	0.080	0.080
Total risk-based capital (to risk-weighted assets), Actual Amount	$ 9,026	$ 8,553
Total risk-based capital (to risk-weighted assets), Capital Ratio	0.133	0.128
Total risk-based capital (to risk-weighted assets), To be well capitalized, Amount	$ 6,769	$ 6,693
Total risk-based capital (to risk-weighted assets), To be well capitalized, Ratio	0.100	0.100
Tier 1 capital (to average assets), Actual Amount	$ 7,430	$ 7,303
Tier 1 capital (to average assets), Actual Ratio	0.083	0.083
Tier 1 capital (to average assets), To be well capitalized, Amount	$ 4,454	$ 4,379
Tier 1 capital (to average assets), To be well capitalized, Ratio	0.050	0.050

REGULATORY MATTERS (Capital Rat

REGULATORY MATTERS (Capital Ratios) (Details)	Dec. 31, 2024	Dec. 31, 2023
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
CETI to risk-weighted assets, Minimum capital requirement	0.045
CETI to risk-weighted assets, Capital conservation buffer	0.025
CETI to risk-weighted assets, Minimum capital ratio requirement with capital conservation buffer	0.070
CETI to risk-weighted assets, Capital ratio	0.109	0.103
Tier 1 risk-based capital CETI plus additional Tier 1 capital) to risk-weighted assets, Minimum capital requirement	0.060
Tier 1 risk-based capital CETI plus additional Tier 1 capital) to risk-weighted assets, Capital conservation buffer	0.025
Tier 1 risk-based capital CETI plus additional Tier 1 capital) to risk-weighted assets, Minimum capital ratio requirement with capital conservation buffer	0.085
Tier 1 risk-based capital CETI plus additional Tier 1 capital) to risk-weighted assets, Capital ratio	0.110	0.109
Total risk-based capital (Tier 1 capital plus Tier 2 capital) to risk-weighted assets, Minimum capital requirements	0.080
Total risk-based capital (Tier 1 capital plus Tier 2 capital) to risk-weighted assets, Capital conversion buffer	0.025
Total risk-based capital (Tier 1 capital plus Tier 2 capital) to risk-weighted assets, Minimum capital ratio requirement with capital conservation buffer	0.105
Total risk-based capital (Tier 1 capital plus Tier 2 capital) to risk-weighted assets, Capital ratio	0.133	0.128
Tier 1 leverage ration (Tier 1 risk-based capital) to average consolidated assets, Minimum capital requirement	0.040
Tier 1 leverage ration (Tier 1 risk-based capital), Minimum capital requirement with buffer	4%
Tier 1 leverage ration (Tier 1 risk-based capital), Capital ratio	0.083	0.083

COMMITMENTS, GUARANTEES, CONT_3

COMMITMENTS, GUARANTEES, CONTINGENT LIABILITIES, AND RELATED PARTIES (Schedule of Off-Balance Sheet Financial Instruments) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Guarantor Obligations [Line Items]
Net unfunded commitments to extend credit	$ 28,767	$ 28,940
Commercial letters of credit	15	22
Mortgage-backed security purchase agreement	0	66
Total unfunded commitments	29,618	29,782
Financial
Guarantor Obligations [Line Items]
Standby letters of credit	574	548
Performance
Guarantor Obligations [Line Items]
Standby letters of credit	$ 262	$ 206

COMMITMENTS, GUARANTEES, CONT_4

COMMITMENTS, GUARANTEES, CONTINGENT LIABILITIES, AND RELATED PARTIES (Narrative) (Details)	12 Months Ended
	Dec. 31, 2024 USD ($) case
Guarantor Obligations [Line Items]
Commitments to extend credit expiring in one year	$ 8,200,000,000
Standby letters of credit expiring in one year	$ 836,000,000
Number of civil cases | case	2
Minimum
Guarantor Obligations [Line Items]
Limited recourse provision, period	3 months
Estimate of possible losses	$ 0
Maximum
Guarantor Obligations [Line Items]
Limited recourse provision, period	1 year
Estimate of possible losses	$ 10,000,000

REVENUE RECOGNITION (Details)

REVENUE RECOGNITION (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2024	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									$ 513	$ 503	$ 495
Customer-related noninterest income from other sources									126	117	119
Total customer-related noninterest income									639	620	614
Noncustomer-related noninterest income									61	57	18
Noninterest income	$ 193	$ 172	$ 179	$ 156	$ 148	$ 180	$ 189	$ 160	700	677	632
Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									182	174	159
Card fees 1
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									144	146	149
Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									67	66	73
Capital markets fees 2
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									11	4	4
Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									54	53	51
Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									55	60	59
Other
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									33	34	38
Customer-related noninterest income from other sources									19	14	4
Total customer-related noninterest income									52	48	42
Noncustomer-related noninterest income									33	17	6
Noninterest income									85	65	48
Other | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									2	0	2
Other | Card fees 1
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									1	0	0
Other | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									0	0	0
Other | Capital markets fees 2
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									6	4	4
Other | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									0	(1)	1
Other | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									24	31	31
Zions Bank | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									157	157	160
Customer-related noninterest income from other sources									24	24	19
Total customer-related noninterest income									181	181	179
Noncustomer-related noninterest income									6	11	5
Noninterest income									187	192	184
Zions Bank | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									57	55	53
Zions Bank | Operating Segments | Card fees 1
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									50	52	55
Zions Bank | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									19	19	22
Zions Bank | Operating Segments | Capital markets fees 2
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									1	0	0
Zions Bank | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									21	23	22
Zions Bank | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									9	8	8
CB&T | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									74	75	70
Customer-related noninterest income from other sources									39	35	34
Total customer-related noninterest income									113	110	104
Noncustomer-related noninterest income									8	6	4
Noninterest income									121	116	108
CB&T | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									31	32	28
CB&T | Operating Segments | Card fees 1
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									19	21	20
CB&T | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									11	11	12
CB&T | Operating Segments | Capital markets fees 2
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									1	0	0
CB&T | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									4	4	4
CB&T | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									8	7	6
Amegy | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									131	125	117
Customer-related noninterest income from other sources									34	37	40
Total customer-related noninterest income									165	162	157
Noncustomer-related noninterest income									10	22	1
Noninterest income									175	184	158
Amegy | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									59	56	46
Amegy | Operating Segments | Card fees 1
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									31	31	33
Amegy | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									14	14	16
Amegy | Operating Segments | Capital markets fees 2
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									3	0	0
Amegy | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									18	17	15
Amegy | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									6	7	7
NBAZ | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									39	37	38
Customer-related noninterest income from other sources									4	2	8
Total customer-related noninterest income									43	39	46
Noncustomer-related noninterest income									0	1	2
Noninterest income									43	40	48
NBAZ | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									11	10	9
NBAZ | Operating Segments | Card fees 1
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									15	15	15
NBAZ | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									9	8	9
NBAZ | Operating Segments | Capital markets fees 2
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									0	0	0
NBAZ | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									3	3	3
NBAZ | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									1	1	2
NSB | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									46	44	42
Customer-related noninterest income from other sources									2	1	6
Total customer-related noninterest income									48	45	48
Noncustomer-related noninterest income									4	0	0
Noninterest income									52	45	48
NSB | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									13	12	11
NSB | Operating Segments | Card fees 1
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									16	16	15
NSB | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									10	10	10
NSB | Operating Segments | Capital markets fees 2
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									0	0	0
NSB | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									6	5	5
NSB | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									1	1	1
Vectra | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									27	25	25
Customer-related noninterest income from other sources									2	3	6
Total customer-related noninterest income									29	28	31
Noncustomer-related noninterest income									0	0	0
Noninterest income									29	28	31
Vectra | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									7	7	8
Vectra | Operating Segments | Card fees 1
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									10	9	9
Vectra | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									3	4	4
Vectra | Operating Segments | Capital markets fees 2
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									0	0	0
Vectra | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									2	1	1
Vectra | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									5	4	3
TCBW | Operating Segments
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									6	6	5
Customer-related noninterest income from other sources									2	1	2
Total customer-related noninterest income									8	7	7
Noncustomer-related noninterest income									0	0	0
Noninterest income									8	7	7
TCBW | Operating Segments | Commercial account fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									2	2	2
TCBW | Operating Segments | Card fees 1
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									2	2	2
TCBW | Operating Segments | Retail and business banking fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									1	0	0
TCBW | Operating Segments | Capital markets fees 2
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									0	0	0
TCBW | Operating Segments | Wealth management fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									0	1	0
TCBW | Operating Segments | Other customer-related fees
Segment Reporting, Revenue Reconciling Item [Line Items]
Total noninterest income from contracts with customers									$ 1	$ 1	$ 1

RETIREMENT PLANS (Narrative) (D

RETIREMENT PLANS (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Defined Benefit Plan Disclosure [Line Items]
Defined contribution plan, maximum annual contributions per employee, percent	80%
Defined contribution plan, employer discretionary contribution amount	$ 35	$ 35	$ 33
Defined contribution plan, cost	$ 14	16	$ 19
Minimum
Defined Benefit Plan Disclosure [Line Items]
Defined contribution plan, employer discretionary noncontributory amount, percent	0%
Maximum
Defined Benefit Plan Disclosure [Line Items]
Defined contribution plan, employer discretionary noncontributory amount, percent	3.50%
Defined Contribution Plan, Matching Tranche One
Defined Benefit Plan Disclosure [Line Items]
Defined contribution plan, employer matching contribution, percent of match	100%
Defined contribution plan, employer matching contribution, percent of employees' contributions	3%
Defined Contribution Plan, Matching Tranche Two
Defined Benefit Plan Disclosure [Line Items]
Defined contribution plan, employer matching contribution, percent of match	50%
Defined contribution plan, employer matching contribution, percent of employees' contributions	3%
Supplemental Employee Retirement Plan
Defined Benefit Plan Disclosure [Line Items]
Benefit liability	$ 9	9
Postretirement Benefits Plan
Defined Benefit Plan Disclosure [Line Items]
Benefit liability	$ 1	$ 1

SHARE-BASED COMPENSATION (Narra

SHARE-BASED COMPENSATION (Narrative) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total shares authorized under stock option and incentive plan (in shares)	4,300,000
Number of shares available for future grants of stock options or restricted stock (in shares)	1,965,994
Compensation expense not yet recognized for nonvested share-based awards	$ 35,000
Nonvested share-based awards, expected weighted average period to be recognized (in years)	2 years 4 months 24 days
Grants in period (in shares)	0
Total intrinsic value of stock options exercised	$ 2,000	$ 2,000	$ 7,000
Cash received from the exercise of stock options	9,000	2,000	8,000
Aggregate intrinsic value of outstanding stock options (prior year less than)	4,000	1,000
Aggregate intrinsic value of exercisable options (prior year less than)	$ 4,000	$ 1,000
Outstanding stock options, weighted average remaining contractual life, excluding options without fixed expiration date (in years)	2 years 7 months 6 days	2 years 8 months 12 days
Stock options expected to vest (in shares)	253,940
Stock options expected to vest, weighted average exercise price (in dollars per share)	$ 58.08
Stock options expected to vest, weighted average remaining life (in years)	4 years 8 months 12 days
Stock options expected to vest, aggregate intrinsic value	$ 255
Total fair value at grant date of restricted stock and RSUs vested	$ 28,000	$ 27,000	$ 25,000
Stock options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expiration period	7 years
Restricted Stock Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted stock vesting period	4 years
Ratio of common stock to share based payment award (shares)	1
Granted (in shares)	872,274	727,019	433,674
Expected to vest (in shares)	1,108,442
Expected to vest, aggregate intrinsic value	$ 60,000
Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted stock vesting period	4 years
Expected to vest (in shares)	66,059
Expected to vest, aggregate intrinsic value	$ 4,000
Director | Restricted Stock Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)	25,866	39,771	16,722

SHARE-BASED COMPENSATION (Compe

SHARE-BASED COMPENSATION (Compensation Expense And Related Tax Benefit For All Share-Based Awards) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share-Based Payment Arrangement [Abstract]
Compensation expense	$ 31	$ 33	$ 30
Reduction of income tax expense	$ 7	$ 9	$ 11

SHARE-BASED COMPENSATION (Weigh

SHARE-BASED COMPENSATION (Weighted Average Of Fair Value And Significant Assumptions Used In Applying Black-Scholes Model For Options Granted) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share-Based Payment Arrangement [Abstract]
Weighted average value for options granted (in dollars per share)	$ 0	$ 11.23	$ 15.16
Expected dividend yield	0%	3%	2.30%
Expected volatility	0%	27%	27%
Risk-free interest rate	0%	4%	1.98%
Expected life (in years)	0 years	4 years 6 months	5 years

SHARE-BASED COMPENSATION (Summa

SHARE-BASED COMPENSATION (Summary of Stock Option Activity) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Number of shares
Beginning balance (in shares)	1,420,378	1,262,366	1,328,144
Granted (in shares)	0	291,005	201,932
Exercised (in shares)	(191,602)	(95,207)	(256,004)
Expired (in shares)	(103,008)	(27,948)	(8,912)
Forfeited (in shares)	(2,112)	(9,838)	(2,794)
Ending balance (in shares)	1,123,656	1,420,378	1,262,366
Weighted average exercise price
Beginning balance (in dollars per share)	$ 52.83	$ 50.75	$ 44.60
Granted (in dollars per share)	0	52.90	73.02
Exercised (in dollars per share)	50.05	29.67	36.79
Expired (in dollars per share)	46.84	35.41	37.58
Forfeited (in dollars per share)	56.94	57.07	57.75
Ending balance (in dollars per share)	$ 53.85	$ 52.83	$ 50.75
Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]
Number of shares, Outstanding stock options exercisable (in shares)	869,716	891,884	729,411
Weighted average exercise price, Outstanding stock options exercisable (in dollars per share)	$ 52.61	$ 50.36	$ 46.02

SHARE-BASED COMPENSATION (Sched

SHARE-BASED COMPENSATION (Schedule of Additional Selected Information on Stock Options) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Outstanding stock options, Number of shares (in shares)	1,123,656	1,420,378	1,262,366	1,328,144
Outstanding stock options, Weighted average exercise price (in dollars per share)	$ 53.85	$ 52.83	$ 50.75	$ 44.60
Outstanding stock options, weighted average remaining contractual life (in years)	3 years 1 month 6 days
Exercisable stock options, Number of shares (in shares)	869,716	891,884	729,411
Exercisable stock options, Weighted average exercise price (in dollars per share)	$ 52.61	$ 50.36	$ 46.02
Stock options without a fixed expiration date (in shares)	5,223
$4.15 to $19.99
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise price range, lower range limit (in dollars per share)	$ 4.15
Exercise price range, upper range limit (in dollars per share)	$ 19.99
Outstanding stock options, Number of shares (in shares)	5,223
Outstanding stock options, Weighted average exercise price (in dollars per share)	$ 6.41
Outstanding stock options, weighted average remaining contractual life (in years)	0 years
Exercisable stock options, Number of shares (in shares)	5,223
Exercisable stock options, Weighted average exercise price (in dollars per share)	$ 6.41
$40.00 to $44.99
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise price range, lower range limit (in dollars per share)	40
Exercise price range, upper range limit (in dollars per share)	$ 44.99
Outstanding stock options, Number of shares (in shares)	1,974
Outstanding stock options, Weighted average exercise price (in dollars per share)	$ 43.07
Outstanding stock options, weighted average remaining contractual life (in years)	1 year 4 months 24 days
Exercisable stock options, Number of shares (in shares)	1,974
Exercisable stock options, Weighted average exercise price (in dollars per share)	$ 43.07
$45.00 to $49.99
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise price range, lower range limit (in dollars per share)	45
Exercise price range, upper range limit (in dollars per share)	$ 49.99
Outstanding stock options, Number of shares (in shares)	440,807
Outstanding stock options, Weighted average exercise price (in dollars per share)	$ 47.33
Outstanding stock options, weighted average remaining contractual life (in years)	2 years 7 months 6 days
Exercisable stock options, Number of shares (in shares)	440,807
Exercisable stock options, Weighted average exercise price (in dollars per share)	$ 47.33
$50.00 to $59.99
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise price range, lower range limit (in dollars per share)	50
Exercise price range, upper range limit (in dollars per share)	$ 59.99
Outstanding stock options, Number of shares (in shares)	481,220
Outstanding stock options, Weighted average exercise price (in dollars per share)	$ 52.56
Outstanding stock options, weighted average remaining contractual life (in years)	3 years 2 months 12 days
Exercisable stock options, Number of shares (in shares)	292,172
Exercisable stock options, Weighted average exercise price (in dollars per share)	$ 52.34
$60.00 to $73.22
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise price range, lower range limit (in dollars per share)	60
Exercise price range, upper range limit (in dollars per share)	$ 73.22
Outstanding stock options, Number of shares (in shares)	194,432
Outstanding stock options, Weighted average exercise price (in dollars per share)	$ 73.19
Outstanding stock options, weighted average remaining contractual life (in years)	4 years
Exercisable stock options, Number of shares (in shares)	129,540
Exercisable stock options, Weighted average exercise price (in dollars per share)	$ 73.19

SHARE-BASED COMPENSATION (Sum_2

SHARE-BASED COMPENSATION (Summary of Restricted Stock Activity) (Details) - Restricted Stock - $ / shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Number of shares
Beginning balance (in shares)	35,771	60,749	64,816
Issued (in shares)	49,019	0	21,038
Vested (in shares)	(18,731)	(24,978)	(25,105)
Ending balance (in shares)	66,059	35,771	60,749
Weighted average fair value
Beginning balance (in dollars per share)	$ 49.71	$ 48.31	$ 42.26
Issued (in dollars per share)	41.24	0	60.21
Vested (in dollars per share)	47.48	46.31	42.66
Ending balance (in dollars per share)	$ 44.06	$ 49.71	$ 48.31

SHARE-BASED COMPENSATION (Sum_3

SHARE-BASED COMPENSATION (Summary of Restricted Stock Unit Activity) (Details) - Restricted Stock Units - $ / shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Number of shares
Beginning balance (in shares)	1,329,945	1,169,093	1,274,083
Granted (in shares)	872,274	727,019	433,674
Vested (in shares)	(544,095)	(522,163)	(504,358)
Forfeited (in shares)	(34,621)	(44,004)	(34,306)
Ending balance (in shares)	1,623,503	1,329,945	1,169,093
Weighted average fair value
Beginning balance (in dollars per share)	$ 52.88	$ 53.62	$ 46.49
Issued (in dollars per share)	39.53	48.85	68.07
Vested (in dollars per share)	50.55	48.71	47.83
Forfeited (in dollars per share)	48.78	56.19	56.58
Ending balance (in dollars per share)	$ 46.57	$ 52.88	$ 53.62

INCOME TAXES (Schedule of Incom

INCOME TAXES (Schedule of Income Tax Expense (Benefit)) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Federal:
Current	$ 194	$ 168	$ 236
Deferred	(9)	0	(38)
Total federal	185	168	198
State:
Current	41	47	52
Deferred	2	(9)	(5)
Total state	43	38	47
Total income tax expense	$ 228	$ 206	$ 245

INCOME TAXES (Schedule of Statu

INCOME TAXES (Schedule of Statutory Federal Income Tax Rate Reconciles to Actual Income Tax Expense (Benefit)) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Income tax expense at statutory federal rate	$ 213	$ 186	$ 242
State income taxes including credits, net	34	31	38
Other nondeductible expenses	32	29	13
Nontaxable income	(46)	(41)	(40)
Share-based compensation	1	(1)	(4)
Other	(6)	2	(4)
Total income tax expense	$ 228	$ 206	$ 245

INCOME TAXES (Schedule of Tax E

INCOME TAXES (Schedule of Tax Effects of Deferred Tax Assets and Deferred Tax Liabilities) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Gross deferred tax assets:
Book loan loss deduction in excess of tax	$ 183	$ 181
Deferred compensation	81	81
Investment securities and derivative fair value adjustments	775	879
Lease liabilities	60	50
Capitalized costs	30	37
Other	47	48
Total deferred tax assets before valuation allowance	1,176	1,276
Valuation allowance	0	0
Total deferred tax assets	1,176	1,276
Gross deferred tax liabilities:
Premises and equipment, due to differences in depreciation	(90)	(101)
Federal Home Loan Bank stock dividends	(3)	(3)
Leasing operations	(43)	(49)
Prepaid expenses	(8)	(5)
Mortgage servicing	(6)	(5)
Deferred loan costs	(36)	(34)
ROU assets	(47)	(43)
Qualified opportunity fund deferred gains	(26)	(27)
Equity investments	(13)	(10)
Total deferred tax liabilities	(272)	(277)
Net deferred tax assets (liabilities)	$ 904	$ 999

INCOME TAXES (Narrative) (Detai

INCOME TAXES (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2024	Dec. 31, 2023
Income Tax Contingency [Line Items]
Unrecognized tax benefits that would impact effective tax rate	$ 7	$ 13
Unrecognized tax benefit on technology initiatives	3
Income tax penalties and interest accrued	1	$ 2
Maximum
Income Tax Contingency [Line Items]
Tax effect of remaining net operating loss and tax credit carryforward	$ 1

INCOME TAXES (Schedule of Recon

INCOME TAXES (Schedule of Reconciliation of Gross Unrecognized Tax Benefits) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Unrecognized Tax Benefits [Roll Forward]
Balance at beginning of year	$ 15	$ 13	$ 14
Tax positions related to current year, Additions	0	2	2
Tax positions related to prior years, Additions	0	10	0
Tax positions related to prior years, Reductions	0	0	(1)
Settlements with taxing authorities	0	(3)	0
Lapses in statutes of limitations	(8)	(7)	(2)
Balance at end of year	$ 7	$ 15	$ 13

NET EARNINGS PER COMMON SHARE_2

NET EARNINGS PER COMMON SHARE (Basic And Diluted Net Earnings Per Common Share Based On The Weighted Average Outstanding Shares) (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2024	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Basic:
Net income	$ 216	$ 214	$ 201	$ 153	$ 126	$ 175	$ 175	$ 204	$ 784	$ 680	$ 907
Less common and preferred dividends									289	277	269
Less impact from redemption of preferred stock									6	0	0
Undistributed earnings									489	403	638
Less undistributed earnings applicable to nonvested shares									5	4	5
Undistributed earnings applicable to common shares									484	399	633
Distributed earnings applicable to common shares									245	243	237
Total earnings applicable to common shares									$ 729	$ 642	$ 870
Weighted average common shares outstanding (in shares)									147,210	147,748	150,064
Net earnings per common share (in dollars per share)	$ 1.34	$ 1.37	$ 1.28	$ 0.96	$ 0.78	$ 1.13	$ 1.11	$ 1.33	$ 4.95	$ 4.35	$ 5.80
Diluted:
Dilutive effect of stock options (in shares)									5	8	207
Weighted average diluted common shares outstanding (in shares)									147,215	147,756	150,271
Net earnings per common share (in dollars per share)	$ 1.34	$ 1.37	$ 1.28	$ 0.96	$ 0.78	$ 1.13	$ 1.11	$ 1.33	$ 4.95	$ 4.35	$ 5.79

NET EARNINGS PER COMMON SHARE_3

NET EARNINGS PER COMMON SHARE (Stock Awards That Were Anti-Dilutive) (Details) - shares shares in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Restricted stock and restricted stock units
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share (in shares)	1,663	1,383	1,265
Stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share (in shares)	1,110	1,409	178

OPERATING SEGMENT INFORMATION_2

OPERATING SEGMENT INFORMATION (Narrative) (Details) $ in Millions	12 Months Ended
	Dec. 31, 2024 branch segment	Sep. 23, 2024 USD ($) branch
Segment Reporting Information [Line Items]
Number of bank operating segments | segment	7
Number of branches	404
CB&T
Segment Reporting Information [Line Items]
Number of branches to be acquired		4
Deposits acquired | $		$ 700
Loans acquired | $		$ 400
Utah | Zions Bank
Segment Reporting Information [Line Items]
Number of branches	92
Idaho | Zions Bank
Segment Reporting Information [Line Items]
Number of branches	25
Wyoming | Zions Bank
Segment Reporting Information [Line Items]
Number of branches	1
California | CB&T
Segment Reporting Information [Line Items]
Number of branches	75
Texas | Amegy
Segment Reporting Information [Line Items]
Number of branches	75
Arizona | NBAZ
Segment Reporting Information [Line Items]
Number of branches	56
Nevada | NSB
Segment Reporting Information [Line Items]
Number of branches	43
Colorado | Vectra
Segment Reporting Information [Line Items]
Number of branches	33
New Mexico | Vectra
Segment Reporting Information [Line Items]
Number of branches	1
Washington | TCBW
Segment Reporting Information [Line Items]
Number of branches	2
Oregon | TCBW
Segment Reporting Information [Line Items]
Number of branches	1

OPERATING SEGMENT INFORMATION_3

OPERATING SEGMENT INFORMATION (Schedule Of Segment Information) (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2024	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Segment Reporting Information [Line Items]
Net interest income	$ 627	$ 620	$ 597	$ 586	$ 583	$ 585	$ 591	$ 679	$ 2,430	$ 2,438	$ 2,520
Provision for credit losses	41	13	5	13	0	41	46	45	72	132	122
Net interest income after provision for credit losses									2,358	2,306	2,398
Noninterest income									700	677	632
Salaries and employee benefits									1,287	1,275	1,235
Technology, telecom, and information processing									260	240	209
Occupancy and equipment, net									161	160	152
Other direct expenses									338	422	282
Indirect/allocated expenses									0	0	0
Total noninterest expense	509	502	509	526	581	496	508	512	2,046	2,097	1,878
Income (loss) before income taxes	$ 270	$ 277	$ 262	$ 203	$ 150	$ 228	$ 226	$ 282	1,012	886	1,152
Total average loans									58,547	56,740	52,598
Total average deposits									74,760	72,866	78,529
Other
Segment Reporting Information [Line Items]
Net interest income									5	28	54
Provision for credit losses									(2)	(2)	0
Net interest income after provision for credit losses									7	30	54
Noninterest income									85	65	33
Salaries and employee benefits									755	746	726
Technology, telecom, and information processing									219	197	168
Occupancy and equipment, net									32	35	35
Other direct expenses									103	117	102
Indirect/allocated expenses									(1,036)	(988)	(808)
Total noninterest expense									73	107	223
Income (loss) before income taxes									19	(12)	(136)
Total average loans									958	1,046	927
Total average deposits									5,484	6,161	1,167
Zions Bank | Operating Segments
Segment Reporting Information [Line Items]
Net interest income									692	698	726
Provision for credit losses									(8)	20	43
Net interest income after provision for credit losses									700	678	683
Noninterest income									187	192	186
Salaries and employee benefits									141	142	137
Technology, telecom, and information processing									14	16	14
Occupancy and equipment, net									27	27	24
Other direct expenses									71	96	60
Indirect/allocated expenses									318	301	263
Total noninterest expense									571	582	498
Income (loss) before income taxes									316	288	371
Total average loans									14,799	14,296	13,272
Total average deposits									21,151	20,233	24,316
CB&T | Operating Segments
Segment Reporting Information [Line Items]
Net interest income									584	602	592
Provision for credit losses									42	44	49
Net interest income after provision for credit losses									542	558	543
Noninterest income									121	116	114
Salaries and employee benefits									126	126	121
Technology, telecom, and information processing									5	5	4
Occupancy and equipment, net									33	34	33
Other direct expenses									42	58	33
Indirect/allocated expenses									197	188	149
Total noninterest expense									403	411	340
Income (loss) before income taxes									260	263	317
Total average loans									14,286	14,128	13,129
Total average deposits									14,582	14,253	16,160
Amegy | Operating Segments
Segment Reporting Information [Line Items]
Net interest income									496	457	505
Provision for credit losses									22	15	5
Net interest income after provision for credit losses									474	442	500
Noninterest income									175	184	165
Salaries and employee benefits									112	107	105
Technology, telecom, and information processing									8	8	8
Occupancy and equipment, net									33	28	28
Other direct expenses									56	70	40
Indirect/allocated expenses									247	240	174
Total noninterest expense									456	453	355
Income (loss) before income taxes									193	173	310
Total average loans									13,398	12,851	12,110
Total average deposits									14,792	13,569	15,735
NBAZ | Operating Segments
Segment Reporting Information [Line Items]
Net interest income									245	249	242
Provision for credit losses									17	4	11
Net interest income after provision for credit losses									228	245	231
Noninterest income									43	40	48
Salaries and employee benefits									54	55	51
Technology, telecom, and information processing									4	4	4
Occupancy and equipment, net									11	10	10
Other direct expenses									26	29	17
Indirect/allocated expenses									101	96	85
Total noninterest expense									196	194	167
Income (loss) before income taxes									75	91	112
Total average loans									5,683	5,318	4,911
Total average deposits									6,933	7,008	8,035
NSB | Operating Segments
Segment Reporting Information [Line Items]
Net interest income									197	192	185
Provision for credit losses									(11)	42	4
Net interest income after provision for credit losses									208	150	181
Noninterest income									52	45	48
Salaries and employee benefits									46	45	44
Technology, telecom, and information processing									6	5	6
Occupancy and equipment, net									11	12	11
Other direct expenses									21	27	16
Indirect/allocated expenses									93	85	74
Total noninterest expense									177	174	151
Income (loss) before income taxes									83	21	78
Total average loans									3,555	3,392	2,987
Total average deposits									7,169	6,964	7,436
Vectra | Operating Segments
Segment Reporting Information [Line Items]
Net interest income									148	151	153
Provision for credit losses									3	7	9
Net interest income after provision for credit losses									145	144	144
Noninterest income									29	28	31
Salaries and employee benefits									41	41	39
Technology, telecom, and information processing									2	3	3
Occupancy and equipment, net									11	12	8
Other direct expenses									14	18	10
Indirect/allocated expenses									69	67	60
Total noninterest expense									137	141	120
Income (loss) before income taxes									37	31	55
Total average loans									4,063	4,004	3,632
Total average deposits									3,505	3,482	4,109
TCBW | Operating Segments
Segment Reporting Information [Line Items]
Net interest income									63	61	63
Provision for credit losses									9	2	1
Net interest income after provision for credit losses									54	59	62
Noninterest income									8	7	7
Salaries and employee benefits									12	13	12
Technology, telecom, and information processing									2	2	2
Occupancy and equipment, net									3	2	3
Other direct expenses									5	7	4
Indirect/allocated expenses									11	11	3
Total noninterest expense									33	35	24
Income (loss) before income taxes									29	31	45
Total average loans									1,805	1,705	1,630
Total average deposits									$ 1,144	$ 1,196	$ 1,571

QUARTERLY FINANCIAL INFORMATI_3

QUARTERLY FINANCIAL INFORMATION (UNAUDITED) (Financial Information by Quarter) (Details) - USD ($) $ / shares in Units, $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2024	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Quarterly Financial Information Disclosure [Abstract]
Total interest income	$ 1,062	$ 1,104	$ 1,073	$ 1,054	$ 1,040	$ 1,010	$ 977	$ 920	$ 4,293	$ 3,947	$ 2,705
Net interest income	627	620	597	586	583	585	591	679	2,430	2,438	2,520
Provision for credit losses	41	13	5	13	0	41	46	45	72	132	122
Noninterest income	193	172	179	156	148	180	189	160	700	677	632
Noninterest expense	509	502	509	526	581	496	508	512	2,046	2,097	1,878
Income (loss) before income taxes	270	277	262	203	150	228	226	282	1,012	886	1,152
Net income	216	214	201	153	126	175	175	204	784	680	907
Preferred stock dividends	(10)	(10)	(11)	(10)	(10)	(7)	(9)	(6)	(41)	(32)	(29)
Preferred stock redemption	(6)	0	0	0					(6)	0	0
Net earnings applicable to common shareholders	$ 200	$ 204	$ 190	$ 143	$ 116	$ 168	$ 166	$ 198	$ 737	$ 648	$ 878
Net earnings per common share:
Basic (in dollars per share)	$ 1.34	$ 1.37	$ 1.28	$ 0.96	$ 0.78	$ 1.13	$ 1.11	$ 1.33	$ 4.95	$ 4.35	$ 5.80
Diluted (in dollars per share)	$ 1.34	$ 1.37	$ 1.28	$ 0.96	$ 0.78	$ 1.13	$ 1.11	$ 1.33	$ 4.95	$ 4.35	$ 5.79