F.N.B. (FNB) 10-Q 6 Aug 24 2024 Q2 Quarterly report Financial data

Cover Page

Cover Page - shares	6 Months Ended
	Jun. 30, 2024	Jul. 31, 2024
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2024
Document Transition Report	false
Entity File Number	001-31940
Entity Registrant Name	FNB CORP/PA/
Entity Incorporation, State or Country Code	PA
Entity Tax Identification Number	25-1255406
Entity Address, Address Line One	One North Shore Center,
Entity Address, Address Line Two	12 Federal Street,
Entity Address, City or Town	Pittsburgh,
Entity Address, State or Province	PA
Entity Address, Postal Zip Code	15212
City Area Code	800
Local Phone Number	555-5455
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	FNB
Security Exchange Name	NYSE
Entity Common Stock, Shares Outstanding		359,571,111
Amendment Flag	false
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q2
Entity Central Index Key	0000037808
Current Fiscal Year End Date	--12-31

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Millions		Jun. 30, 2024	Dec. 31, 2023
Assets
Cash and due from banks		$ 448	$ 447
Interest-bearing deposits with banks		1,432	1,129
Cash and Cash Equivalents		1,880	1,576
Debt securities available for sale (amortized cost of $3,585 and $3,460; allowance for credit losses of $0 and $0)		3,364	3,254
Debt securities held to maturity (fair value of $3,532 and $3,593; allowance for credit losses of $0 and $0)		3,893	3,911
Loans held for sale (includes $128 and $150 measured at fair value)	[1]	132	488
Loans and leases, net of unearned income of $100 and $91 (includes $47 and $45 measured at fair value)	[1]	33,757	32,323
Allowance for credit losses on loans and leases		(419)	(406)
Net Loans and Leases		33,338	31,917
Premises and equipment, net		489	461
Goodwill		2,477	2,477
Core deposit and other intangible assets, net		60	69
Bank owned life insurance		667	660
Other assets		1,415	1,345
Total Assets		47,715	46,158
Liabilities
Non-interest-bearing demand		10,062	10,222
Interest-bearing demand		14,697	14,809
Savings		3,348	3,465
Certificates and other time deposits		6,887	6,215
Total Deposits		34,994	34,711
Short-term borrowings		3,616	2,506
Long-term borrowings		2,016	1,971
Other liabilities		999	920
Total Liabilities		41,625	40,108
Stockholders’ Equity
Preferred stock - Issued – 0 and 110,877 shares - $0.01 par value		0	107
Common stock - $0.01 par value Authorized – 500,000,000 shares Issued – 374,982,366 and 374,939,537 shares		4	4
Additional paid-in capital		4,690	4,692
Retained earnings		1,820	1,669
Accumulated other comprehensive loss		(243)	(235)
Treasury stock – 15,424,340 and 16,110,120 shares at cost		(181)	(187)
Total Stockholders’ Equity		6,090	6,050
Total Liabilities and Stockholders’ Equity		$ 47,715	$ 46,158
[1] Amount represents loans for which we have elected the fair value option. See Note 18.

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($)	Jun. 30, 2024	Dec. 31, 2023
Statement of Financial Position [Abstract]
Debt securities available for sale, amortized cost	$ 3,585,000,000	$ 3,460,000,000
Debt securities available for sale, allowance for credit losses	0	0
Debt securities held-to-maturity, fair value	3,532,000,000	3,593,000,000
Debt securities held to maturity, allowance for credit losses	270,000	280,000
Loans held for sale, fair value	128,000,000	150,000,000	[1]
Loans and leases, unearned income	100,000,000	91,000,000
Loans and leases, unearned income fair value	$ 47,000,000	$ 45,000,000
Preferred stock, shares issued (in shares)	0	110,877
Preferred stock, liquidation preference per share (USD per share)	$ 0.01	$ 0.01
Common stock, par value (USD per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	500,000,000	500,000,000
Common stock, shares issued (in shares)	374,982,366	374,939,537
Treasury stock, shares (in shares)	15,424,340	16,110,120
[1] Amount represents loans for which we have elected the fair value option. See Note 18.

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Interest Income
Loans and leases, including fees	$ 494	$ 429	$ 975	$ 823
Securities:
Taxable	48	35	94	71
Tax-exempt	7	7	14	14
Other	8	13	17	20
Total Interest Income	557	484	1,100	928
Interest Expense
Deposits	180	112	350	196
Short-term borrowings	32	22	60	32
Long-term borrowings	29	21	55	34
Total Interest Expense	241	155	465	262
Net Interest Income	316	329	635	666
Provision for credit losses	20.2	18.5	34.1	32.6
Net Interest Income After Provision for Credit Losses	296	310	601	633
Non-Interest Income
Service charges	23	20	44	40
Interchange and card transaction fees	13	14	26	26
Trust services	12	10	23	21
Insurance commissions and fees	6	6	13	14
Securities commissions and fees	8	7	16	14
Capital markets income	5	6	11	13
Mortgage banking operations	7	5	15	10
Dividends on non-marketable equity securities	7	6	13	10
Bank owned life insurance	4	3	7	6
Other	3	4	8	6
Total Non-Interest Income	88	81	176	160
Non-Interest Expense
Salaries and employee benefits	121	114	250	234
Net occupancy	19	17	39	34
Equipment	24	21	48	43
Amortization of intangibles	5	5	9	10
Outside services	23	20	46	40
Marketing	4	4	9	8
FDIC insurance	10	8	23	15
Bank shares and franchise taxes	4	4	8	8
Merger-related	0	0	0	2
Other	17	19	32	38
Total Non-Interest Expense	227	212	464	432
Income Before Income Taxes	157	179	313	361
Income taxes	34	37	68	72
Net Income	123	142	245	289
Preferred stock dividends	0	2	6	4
Net income available to common stockholders	123	140	239	285
Net income available to common stockholders	$ 123	$ 140	$ 239	$ 285
Earnings per Common Share
Basic (USD per share)	$ 0.34	$ 0.39	$ 0.66	$ 0.79
Diluted (USD per share)	$ 0.34	$ 0.39	$ 0.66	$ 0.78

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Statement of Comprehensive Income [Abstract]
Net income	$ 123	$ 142	$ 245	$ 289
Securities available for sale:
Unrealized gains (losses) arising during the period, net of tax expense (benefit) of $1, $(9), $(3) and $1	2	(31)	(11)	4
Derivative instruments:
Unrealized gains (losses) arising during the period, net of tax expense (benefit) of $0, $(4), $(3) and $(3)	(3)	(14)	(12)	(10)
Reclassification adjustment for gains included in net income, net of tax expense of $2, $1, $4 and $2	8	4	15	7
Pension and postretirement benefit obligations:
Unrealized gains arising during the period, net of tax expense of $0, $0, $0 and $0	0	1	0	1
Other Comprehensive Income (Loss)	7	(40)	(8)	2
Comprehensive Income	$ 130	$ 102	$ 237	$ 291

CONSOLIDATED STATEMENTS OF CO_2

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (Parenthetical) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Statement of Comprehensive Income [Abstract]
Unrealized gains (losses) arising during the period, tax expense (benefit)	$ 1	$ (9)	$ (3)	$ 1
Unrealized gains (losses) arising during the period, tax expense (benefit)	0	(4)	(3)	(3)
Reclassification adjustment for gains included in net income, tax expense	2	1	4	2
Unrealized gains arising during the period, tax expense	$ 0	$ 0	$ 0	$ 0

CONSOLIDATED STATEMENTS OF STOC

CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY - USD ($) $ in Millions	Total	Adoption of new accounting standard	Preferred Stock	Common Stock	Additional Paid-In Capital	Retained Earnings	Retained Earnings Adoption of new accounting standard	Accumulated Other Comprehensive Income (Loss)	Treasury Stock
Balance at beginning of period at Dec. 31, 2022	$ 5,653		$ 107	$ 4	$ 4,696	$ 1,370		$ (357)	$ (167)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Comprehensive income (loss)	291					289		2
Dividends declared:
Preferred stock	(4)					(4)
Common stock	(87)					(87)
Issuance of common stock	(10)				(22)	(4)			16
Repurchase of common stock	(37)								(37)
Restricted stock compensation	12				12
Balance at end of period at Jun. 30, 2023	5,818		107	4	4,686	1,564		(355)	(188)
Balance at beginning of period at Dec. 31, 2022	5,653		107	4	4,696	1,370		(357)	(167)
Balance at end of period at Dec. 31, 2023	$ 6,050	$ (1)	107	4	4,692	1,669	$ (0.5)	(235)	(187)
Dividends declared:
Accounting Standards Update [Extensible Enumeration]	Accounting Standards Update 2023-02 [Member]
Balance at beginning of period at Mar. 31, 2023	$ 5,788		107	4	4,693	1,471		(315)	(172)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Comprehensive income (loss)	102					142		(40)
Dividends declared:
Preferred stock	(2)					(2)
Common stock	(43)					(43)
Issuance of common stock	(4)				(9)	(4)			9
Repurchase of common stock	(25)								(25)
Restricted stock compensation	2				2
Balance at end of period at Jun. 30, 2023	5,818		107	4	4,686	1,564		(355)	(188)
Balance at beginning of period at Dec. 31, 2023	6,050	$ (1)	107	4	4,692	1,669	$ (0.5)	(235)	(187)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Comprehensive income (loss)	237					245		(8)
Dividends declared:
Preferred stock	(2)					(2)
Common stock	(87)					(87)
Redemption of preferred stock	(111)		(107)			(4)
Issuance of common stock	(5)				(14)				9
Repurchase of common stock	(3)								(3)
Restricted stock compensation	12				12
Balance at end of period at Jun. 30, 2024	6,090		0	4	4,690	1,820		(243)	(181)
Balance at beginning of period at Mar. 31, 2024	6,006		0	4	4,694	1,740		(250)	(182)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Comprehensive income (loss)	130					123		7
Dividends declared:
Common stock	(43)					(43)
Issuance of common stock	(2)				(6)				4
Repurchase of common stock	(3)								(3)
Restricted stock compensation	2				2
Balance at end of period at Jun. 30, 2024	$ 6,090		$ 0	$ 4	$ 4,690	$ 1,820		$ (243)	$ (181)

CONSOLIDATED STATEMENTS OF ST_2

CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Statement of Stockholders' Equity [Abstract]
Preferred stock dividends per share (USD per share)		$ 18.13	$ 18.13	$ 36.26
Common stock dividends per share (USD per share)	$ 0.12	$ 0.12	$ 0.24	$ 0.24

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Operating Activities
Net income	$ 245	$ 289
Adjustments to reconcile net income to net cash flows provided by (used in) operating activities:
Depreciation, amortization and accretion	32	42
Provision for credit losses	34.1	32.6
Deferred tax expense (benefit)	16	(3)
Loans originated for sale	(681)	(458)
Loans sold	702	459
Net (gain) loss on sale of loans	(9)	3
Net change in:
Interest receivable	(17)	(11)
Interest payable	4	24
Bank owned life insurance, excluding purchases	(6)	(5)
Other, net	10	(224)
Net cash flows provided by operating activities	330	149
Investing Activities
Net change in loans and leases, excluding sales and transfers	(1,449)	(1,092)
Debt securities available for sale:
Purchases	(725)	(135)
Maturities/payments	603	234
Debt securities held to maturity:
Purchases	(173)	(75)
Maturities/payments	194	175
Increase in premises and equipment	(59)	(60)
Net proceeds from sales of portfolio loans	345	0
Net cash flows provided by (used in) investing activities	(1,264)	(953)
Financing Activities
Demand (non-interest-bearing and interest-bearing) and savings accounts	(389)	(2,668)
Time deposits	670	1,721
Short-term borrowings	1,110	1,019
Proceeds from issuance of long-term borrowings	271	1,220
Repayment of long-term borrowings	(227)	(332)
Redemption of preferred stock	(111)	0
Repurchases of common stock	(3)	(37)
Cash dividends paid:
Preferred stock	(2)	(4)
Common stock	(87)	(87)
Other, net	6	2
Net cash flows provided by (used in) financing activities	1,238	834
Net Increase (Decrease) in Cash and Cash Equivalents	304	30
Cash and cash equivalents at beginning of period	1,576	1,674
Cash and Cash Equivalents at End of Period	$ 1,880	$ 1,704

NATURE OF OPERATIONS

NATURE OF OPERATIONS	6 Months Ended
	Jun. 30, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
NATURE OF OPERATIONS	NATURE OF OPERATIONS F.N.B. Corporation, headquartered in Pittsburgh, Pennsylvania, is a diversified financial services company operating in seven states and the District of Columbia. Our market coverage spans several major metropolitan areas including: Pittsburgh, Pennsylvania; Baltimore, Maryland; Cleveland, Ohio; Washington, D.C.; Charlotte, Raleigh, Durham and the Piedmont Triad (Winston-Salem, Greensboro and High Point) in North Carolina; and Charleston, South Carolina. As of June 30, 2024, we had 345 branches throughout Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington D.C. and Virginia. We provide a full range of commercial banking, consumer banking and wealth management solutions through our subsidiary network which is led by our largest affiliate, FNBPA, founded in 1864. Commercial banking solutions include corporate banking, small business banking, investment real estate financing, government banking, business credit, capital markets and lease financing. Consumer banking provides a full line of consumer banking products and services, including deposit products, mortgage lending, consumer lending and a complete suite of mobile and online banking services. Wealth management services include asset management, private banking and insurance.

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	6 Months Ended
	Jun. 30, 2024
Accounting Policies [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Basis of Presentation Our accompanying Consolidated Financial Statements and these Notes to Consolidated Financial Statements (unaudited) include subsidiaries in which we have a controlling financial interest. We own and operate FNBPA, First National Trust Company, First National Investment Services Company, LLC, F.N.B. Investment Advisors, Inc., First National Insurance Agency, LLC, Bank Capital Services, LLC, F.N.B. Capital Corporation, LLC and Waubank Securities, LLC, and include results for each of these entities in the accompanying Consolidated Financial Statements. Companies in which we hold a controlling financial interest, or are a VIE in which we have the power to direct the activities of an entity that most significantly impact the entity’s economic performance and have an obligation to absorb losses or the right to receive benefits which could potentially be significant to the VIE, are consolidated. For a voting interest entity, a controlling financial interest is generally where we hold more than 50% of the outstanding voting shares. VIEs in which we do not hold the power to direct the activities of the entity that most significantly impact the entity’s economic performance or an obligation to absorb losses or the right to receive benefits which could potentially be significant to the VIE are not consolidated. Investments in companies that are not consolidated are accounted for using the equity method when we have the ability to exert significant influence or the cost method when we do not have the ability to exert significant influence. Investments in private investment partnerships that are accounted for under the equity method or the cost method are included in other assets and our proportional interest in the equity investments’ earnings are included in other non-interest income. Investment interests accounted for under the cost and equity methods are periodically evaluated for impairment. The accompanying interim unaudited Consolidated Financial Statements include all adjustments that are necessary, in the opinion of management, to fairly reflect our financial position and results of operations in accordance with GAAP. All significant intercompany balances and transactions have been eliminated. Certain prior period amounts have been reclassified to the current period presentation. Such reclassifications had no impact on our net income and stockholders' equity. Events occurring subsequent to June 30, 2024 have been evaluated for potential recognition or disclosure in the Consolidated Financial Statements through the date of the filing of the Consolidated Financial Statements with the SEC. Certain information and Note disclosures normally included in Consolidated Financial Statements prepared in accordance with GAAP have been condensed or omitted pursuant to the rules and regulations of the SEC. The interim operating results are not necessarily indicative of operating results we expect for the full year. These interim unaudited Consolidated Financial Statements should be read in conjunction with the audited Consolidated Financial Statements and Notes thereto included in our 2023 Annual Report on Form 10-K filed with the SEC on February 26, 2024. Use of Estimates Our accounting and reporting policies conform with GAAP. The preparation of financial statements in conformity with GAAP requires us to make estimates and assumptions that affect the amounts reported in the Consolidated Financial Statements and accompanying Notes to Consolidated Financial Statements (unaudited). Actual results could materially differ from those estimates. Material estimates that are particularly susceptible to significant changes include the ACL, fair value of financial instruments, goodwill and other intangible assets and income taxes and deferred tax assets, which are listed in the critical accounting estimates. For a detailed description of our significant accounting policies and critical accounting estimates, see Note 1, "Summary of Significant Accounting Policies" and the "Application of Critical Accounting Policies" section in the MD&A, both in our 2023 Annual Report on Form 10-K . Adoption of New Accounting Standards Effective January 1, 2024, we adopted the provision of ASU 2023-02, Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method , which permits reporting entities to make an accounting policy election to account for tax equity investments using the proportional amortization method if certain conditions are met. The election is to be made on a tax-credit-program-by-tax-credit-program basis and should be applied consistently to all investments within an elected tax credit program. Upon the adoption of ASU 2023-02, we elected to apply the proportional amortization method of accounting to our qualifying historic and new market tax credit investments. The proportional amortization method recognizes the amortized cost of the investment as a component of income tax expense on the consolidated statements of income and as a component of operating activities within other assets and other liabilities on the consolidated statements of cash flows. We historically applied proportional amortization to the majority of our LIHTC investments. LIHTCs that do not meet the requirements of the proportional amortization method are recognized using the equity method. See Note 8, "Variable Interest Entities" for additional information.

NEW ACCOUNTING STANDARDS

NEW ACCOUNTING STANDARDS	6 Months Ended
	Jun. 30, 2024
Accounting Changes and Error Corrections [Abstract]
NEW ACCOUNTING STANDARDS	NEW ACCOUNTING STANDARDS The following table summarizes accounting pronouncements issued by the FASB that we recently adopted or will be adopting in the future. TABLE 2.1 Standard Description Financial Statements Impact Income Taxes ASU 2023-09, Income Taxes: Improvements to Income Tax Disclosures This Update requires public business entities to disclose additional categories of information about federal, state, and foreign income taxes in the tabular rate reconciliation table. Additionally, entities must provide more details regarding reconciling items in some categories if the items are equal to or greater than a specified quantitative threshold. This Update also requires all entities to annually disclose income taxes paid, net of refunds received, disaggregated by federal, state, and foreign taxes and further disaggregated by jurisdiction based on a specified quantitative threshold. This Update is to be applied using a prospective method with an option to apply it retrospectively for each period presented and will be effective as of January 1, 2025. Early adoption is permitted. We are currently evaluating the effect this Update will have on our consolidated financial statements, the related disclosures and our processes, systems, and controls related to disclosures. Standard Description Financial Statements Impact Segment Reporting ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosure This Update requires all public entities to disclose significant segment expenses and other segment items on an annual and interim basis and to provide in interim periods all disclosures about a reportable segment’s profit or loss and assets that are currently required in annual disclosures. This Update is to be applied using a retrospective method to all prior periods presented and is effective for annual periods beginning on January 1, 2024, and will be effective for interim periods beginning on January 1, 2025. Early adoption is permitted. We do not expect the adoption of this Update to materially impact our consolidated financial statements and we are currently evaluating the effect this Update will have on the related disclosures. Tax Equity Investments ASU 2023-02, Investments – Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method This Update expands the use of the proportional amortization method of accounting, previously only allowable for LIHTC investments, to equity investments in other tax credit structures that meet certain criteria. The Update also removed the specialized guidance for LIHTC investments that are not accounted for using the proportional amortization method or equity method and require that those investments are accounted for using Topic 321 regarding equity investments. This Update is to be applied using either a modified retrospective or a retrospective method and is effective as of January 1, 2024. Early adoption of this Update is permitted. We adopted this Update on January 1, 2024 on a modified retrospective basis for tax credit programs that are eligible to apply proportional amortization. As a result, we recorded a reduction of $0.5 million in retained earnings for the cumulative effect of the adoption.

SECURITIES

SECURITIES	6 Months Ended
	Jun. 30, 2024
Investments, Debt and Equity Securities [Abstract]
SECURITIES	SECURITIES The amortized cost and fair value of AFS debt securities are presented in the table below. There was no ACL associated with the AFS portfolio at June 30, 2024 and December 31, 2023. Accrued interest receivable on AFS debt securities totaled $13.3 million at June 30, 2024 and $9.6 million at December 31, 2023, and is excluded from the estimate of credit losses and assessed separately in other assets in the Consolidated Balance Sheets. Accordingly, we have excluded accrued interest receivable from both the fair value and amortized cost basis of AFS debt securities. TABLE 3.1 (in millions) Amortized Gross Gross Fair Debt Securities AFS: June 30, 2024 U.S. Treasury $ 199 $ — $ (2) $ 197 U.S. government agencies 67 — — 67 U.S. government-sponsored entities 301 1 (4) 298 Residential MBS: Agency MBS 951 — (65) 886 Agency collateralized mortgage obligations 871 — (113) 758 Agency commercial MBS 1,127 3 (38) 1,092 States of the U.S. and political subdivisions (municipals) 28 — (2) 26 Other debt securities 41 — (1) 40 Total debt securities AFS $ 3,585 $ 4 $ (225) $ 3,364 (in millions) Amortized Gross Gross Fair Debt Securities AFS: December 31, 2023 U.S. Treasury $ 422 $ — $ (2) $ 420 U.S. government agencies 78 1 — 79 U.S. government-sponsored entities 227 — (4) 223 Residential MBS: Agency MBS 814 — (62) 752 Agency collateralized mortgage obligations 946 — (114) 832 Agency commercial MBS 905 9 (30) 884 States of the U.S. and political subdivisions (municipals) 30 — (3) 27 Other debt securities 38 — (1) 37 Total debt securities AFS $ 3,460 $ 10 $ (216) $ 3,254 The amortized cost and fair value of HTM debt securities are presented in the following table. The ACL for the HTM portfolio was $0.27 million and $0.28 million at June 30, 2024 and December 31, 2023, respectively. Accrued interest receivable on HTM debt securities totaled $14.1 million and $14.7 million at June 30, 2024 and December 31, 2023, respectively, and is excluded from the estimate of credit losses and assessed separately in other assets in the Consolidated Balance Sheets. Accordingly, we have excluded accrued interest receivable from both the fair value and amortized cost basis of HTM debt securities. TABLE 3.2 (in millions) Amortized Gross Gross Fair Debt Securities HTM: June 30, 2024 U.S. Treasury $ 1 $ — $ — $ 1 U.S. government agencies 1 — — 1 U.S. government-sponsored entities 28 — — 28 Residential MBS: Agency MBS 977 1 (106) 872 Agency collateralized mortgage obligations 769 — (108) 661 Agency commercial MBS 1,094 2 (50) 1,046 States of the U.S. and political subdivisions (municipals) 1,007 — (98) 909 Other debt securities 16 — (2) 14 Total debt securities HTM $ 3,893 $ 3 $ (364) $ 3,532 (in millions) Amortized Gross Gross Fair Debt Securities HTM: December 31, 2023 U.S. government agencies $ 1 $ — $ — $ 1 U.S. government-sponsored entities 68 — — 68 Residential MBS: Agency MBS 1,057 2 (101) 958 Agency collateralized mortgage obligations 824 — (104) 720 Agency commercial MBS 929 4 (43) 890 States of the U.S. and political subdivisions (municipals) 1,017 2 (77) 942 Other debt securities 15 — (1) 14 Total debt securities HTM $ 3,911 $ 8 $ (326) $ 3,593 There were no significant gross gains or gross losses realized on securities during the six months ended June 30, 2024 or 2023. In the fourth quarter of 2023, we sold $648.7 million of AFS securities resulting in a realized loss of $67.4 million as part of a proactive balance sheet management strategy. Unrealized losses on the AFS and HTM portfolios are due to the increase in market interest rates with 85.0% of these securities backed or sponsored by the U.S. government as of June 30, 2024. As of June 30, 2024, the amortized cost and fair value of debt securities, by contractual maturities, were as follows: TABLE 3.3 Available for Sale Held to Maturity (in millions) Amortized Fair Amortized Fair Due in one year or less $ 112 $ 110 $ 3 $ 3 Due after one year but within five years 461 456 86 82 Due after five years but within ten years 33 32 224 207 Due after ten years 30 30 740 661 636 628 1,053 953 Residential MBS: Agency MBS 951 886 977 872 Agency collateralized mortgage obligations 871 758 769 661 Agency commercial MBS 1,127 1,092 1,094 1,046 Total debt securities $ 3,585 $ 3,364 $ 3,893 $ 3,532 Actual maturities may differ from contractual terms because security issuers may have the right to call or prepay obligations with or without penalties. Periodic principal payments are received on residential MBS based on the payment patterns of the underlying collateral. Following is information relating to securities pledged: TABLE 3.4 (dollars in millions) June 30, December 31, Securities pledged (carrying value): To secure public deposits, trust deposits and for other purposes as required by law $ 5,805 $ 6,190 As collateral for short-term borrowings 225 250 Securities pledged as a percent of total securities 83.1 % 89.9 % Following are summaries of the fair values of AFS debt securities in an unrealized loss position for which an ACL has not been recorded, segregated by security type and length of time in a continuous loss position: TABLE 3.5 Less than 12 Months 12 Months or More Total (dollars in millions) # Fair Unrealized # Fair Unrealized # Fair Unrealized Debt Securities AFS June 30, 2024 U.S. Treasury 1 $ 49 $ — 2 $ 74 $ (2) 3 $ 123 $ (2) U.S. government agencies — — — 13 31 — 13 31 — U.S. government-sponsored entities 3 74 — 7 123 (4) 10 197 (4) Residential MBS: Agency MBS 6 179 (1) 104 659 (64) 110 838 (65) Agency collateralized mortgage obligations — — — 69 758 (113) 69 758 (113) Agency commercial MBS 16 494 (5) 20 361 (33) 36 855 (38) States of the U.S. and political subdivisions (municipals) — — — 12 26 (2) 12 26 (2) Other debt securities 1 5 — 7 18 (1) 8 23 (1) Total 27 $ 801 $ (6) 234 $ 2,050 $ (219) 261 $ 2,851 $ (225) Less than 12 Months 12 Months or More Total (dollars in millions) # Fair Unrealized # Fair Unrealized # Fair Unrealized Debt Securities AFS December 31, 2023 U.S. Treasury — $ — $ — 2 $ 73 $ (2) 2 $ 73 $ (2) U.S. government agencies 2 4 — 12 36 — 14 40 — U.S. government-sponsored entities 1 25 — 7 123 (4) 8 148 (4) Residential MBS: Agency MBS — — — 104 750 (62) 104 750 (62) Agency collateralized mortgage obligations — — — 71 832 (114) 71 832 (114) Agency commercial MBS 1 32 — 20 377 (30) 21 409 (30) States of the U.S. and political subdivisions (municipals) — — — 13 27 (3) 13 27 (3) Other debt securities 2 9 — 7 17 (1) 9 26 (1) Total 6 $ 70 $ — 236 $ 2,235 $ (216) 242 $ 2,305 $ (216) We evaluated the AFS debt securities that were in an unrealized loss position at June 30, 2024. Based on the credit ratings and implied government guarantee for these securities, we concluded the loss position is temporary and caused by the significant movement of interest rates since 2022 and does not reflect any expected credit losses. We do not intend to sell these AFS debt securities and it is not more likely than not that we will be required to sell these securities before the recovery of their amortized cost basis. Credit Quality Indicators We use credit ratings and the most recent financial information to help evaluate the credit quality of our credit-related AFS and HTM securities portfolios. Management reviews the credit profile of each issuer on an annual basis, and more frequently as needed. Based on the nature of the issuers and current conditions, we have determined that securities backed by the UST, Fannie Mae, Freddie Mac, FHLB, Ginnie Mae, and the SBA have zero expected credit loss. Our municipal bond portfolio, with a carrying amount of $1.0 billion as of June 30, 2024 is highly rated with an average rating of AA and over 99% of the portfolio rated A or better. All of the securities in the municipal portfolio are general obligation bonds. Geographically, municipal bonds support our primary footprint as 60% of the securities are from municipalities located in the primary states within which we conduct business. The average holding size of the securities in the municipal bond portfolio is $2.5 million. In addition to the strong stand-alone ratings, 61% of the municipal bonds have some formal credit enhancement (e.g., insurance) that strengthens the creditworthiness of the bond. The ACL on the HTM municipal bond portfolio is calculated on each bond using: • The bond’s underlying credit rating, time to maturity and exposure amount; • Credit enhancements that improve the bond’s credit rating (e.g., insurance); and • Moody’s U.S. Bond Defaults and Recoveries, 1970-2022 study. By using these components, we derive the expected credit loss on the HTM general obligation municipal bond portfolio. We further refine the expected credit loss by factoring in economic forecast data using our Commercial and Industrial Non-Manufacturing loan portfolio forecast adjustment as derived through our assessment of the loan portfolio as a proxy for our municipal bond portfolio. Our corporate bond portfolio, with a carrying amount of $56.1 million as of June 30, 2024 primarily consists of subordinated debentures of banks within our footprint. The average holding size of the securities in the corporate bond portfolio is $3.1 million. The ACL on the HTM corporate bond portfolio is calculated using: • The bond’s credit rating, time to maturity and exposure amount; • Moody’s Annual Default Study, 02/26/2024; and • The most recent financial statements. By using these components, we derive the expected credit loss on the HTM corporate bond portfolio. We further refine the expected credit loss by factoring in economic forecast data using our bank-wide loan portfolio forecast adjustment as derived through our assessment of FNBPA's loan portfolio as a proxy for our corporate bond portfolio. For the year-to-date periods ending June 30, 2024 and 2023, we had no significant provision expense and no charge-offs or recoveries for the securities portfolio. The ACL on the HTM portfolio was $0.27 million, consisting of $0.06 million relating to the municipal bond portfolio and $0.21 million relating to other debt securities, as of June 30, 2024, and $0.06 million relating to the municipal bond portfolio and $0.22 million relating to other debt securities as of December 31, 2023. The AFS securities portfolios did not have an ACL at June 30, 2024 or December 31, 2023 and there were no securities that were past due or on non-accrual at either date.

LOANS AND LEASES

LOANS AND LEASES	6 Months Ended
	Jun. 30, 2024
Receivables [Abstract]
LOANS AND LEASES	LOANS AND LEASES Accrued interest receivable on loans and leases, which totaled $141.6 million at June 30, 2024 and $128.6 million at December 31, 2023, is excluded from the estimate of credit losses and assessed separately in other assets in the Consolidated Balance Sheets for both periods and is not included in the following tables. Loans and Leases by Portfolio Segment Following is a summary of total loans and leases, net of unearned income: TABLE 4.1 (in millions) June 30, 2024 December 31, 2023 Commercial real estate $ 12,664 $ 12,305 Commercial and industrial 7,597 7,482 Commercial leases 683 599 Other 145 110 Total commercial loans and leases 21,089 20,496 Direct installment 2,700 2,741 Residential mortgages 7,459 6,640 Indirect installment 1,188 1,149 Consumer lines of credit 1,321 1,297 Total consumer loans 12,668 11,827 Total loans and leases, net of unearned income $ 33,757 $ 32,323 The remaining accretable discount included in the amortized cost of acquired loans was $35.8 million and $42.6 million at June 30, 2024 and December 31, 2023, respectively. The loans and leases portfolio categories are comprised of the following types of loans, where in each case the LGD is dependent on the nature and value of the respective collateral: • Commercial real estate includes both owner-occupied and non-owner-occupied loans, including construction loans, secured by commercial properties where operational cash flows on owner-occupied properties, including rents paid by stand-alone business customers, or rents received by our borrowers from their tenant(s) on both a property and global basis are the primary default risk drivers; • Commercial and industrial includes loans to businesses that are not secured by real estate where the borrower's leverage and cash flows from operations are the primary default risk drivers; • Commercial leases consist of leases for new or used equipment where the borrower's cash flow from operations is the primary default risk driver; • Other is comprised primarily of credit cards and mezzanine loans where the borrower's cash flow from operations is the primary default risk driver; • Direct installment is comprised of fixed-rate, closed-end consumer loans for personal, family or household use, such as home equity loans and automobile loans where the primary default risk driver is the borrower's employment status and income; • Residential mortgages consist of conventional and jumbo mortgage loans, including construction loans, for 1-4 family properties where the primary default risk driver is the borrower's employment status and income; • Indirect installment is comprised of loans originated by approved third parties and underwritten by us, primarily automobile loans where the primary default risk driver is the borrower's employment status and income; and • Consumer lines of credit include home equity lines of credit and consumer lines of credit that are either unsecured or secured by collateral other than home equity where the primary default risk driver is the borrower's employment status and income. The loans and leases portfolio consists principally of loans to individuals and small- and medium-sized businesses within our primary market in seven states and the District of Columbia. Our primary market coverage spans several major metropolitan areas including: Pittsburgh, Pennsylvania; Baltimore, Maryland; Cleveland, Ohio; Washington, D.C.; Charlotte, Raleigh, Durham and the Piedmont Triad (Winston-Salem, Greensboro and High Point) in North Carolina; and Charleston, South Carolina. The following table shows occupancy information relating to commercial real estate loans: TABLE 4.2 (dollars in millions) June 30, December 31, Commercial real estate: Percent owner-occupied 29.5 % 29.0 % Percent non-owner-occupied 70.5 71.0 Credit Quality We monitor the credit quality of our loan portfolio using several performance measures based on payment activity and borrower performance. We use an internal risk rating assigned to a commercial loan or lease at origination, summarized below. TABLE 4.3 Rating Category Definition Pass in general, the condition of the borrower and the performance of the loan is satisfactory or better Special Mention in general, the condition of the borrower has deteriorated, requiring an increased level of monitoring Substandard in general, the condition of the borrower has significantly deteriorated and the performance of the loan could further deteriorate if deficiencies are not corrected Doubtful in general, the condition of the borrower has significantly deteriorated and the collection in full of both principal and interest is highly questionable or improbable The use of these internally assigned credit quality categories within the commercial loan and lease portfolio permits our use of transition matrices to establish a basis which is then impacted by quantitative inputs from our econometric model forecasts over the R&S period. Our internal credit risk grading system is based on past experiences with similarly graded loans and leases and conforms to regulatory categories. In general, loan and lease risk ratings within each category are reviewed on an ongoing basis according to our policy for each class of loans and leases. Each quarter, we analyze the resulting ratings, as well as other external statistics and factors such as delinquency, to track the migration performance of the commercial loan and lease portfolio. Loans and leases within the Pass credit category or that migrate toward the Pass credit category generally have a lower risk of loss compared to loans and leases that migrate toward the Substandard or Doubtful credit categories. Accordingly, we apply higher risk factors to Substandard and Doubtful credit categories. The following table summarizes the designated loan rating category by loan class including term loans on an amortized cost basis by origination year and year-to-date gross charge-offs by originating year: TABLE 4.4 June 30, 2024 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Total (in millions) COMMERCIAL Commercial Real Estate: Risk Rating: Pass $ 708 $ 1,570 $ 2,133 $ 2,187 $ 1,338 $ 3,515 $ 176 $ 11,627 Special Mention 1 14 155 81 140 241 35 667 Substandard 6 16 56 73 20 196 3 370 Total commercial real estate 715 1,600 2,344 2,341 1,498 3,952 214 12,664 Commercial real estate current period gross charge-offs — 0.3 0.6 0.3 0.1 9.0 — 10.3 Commercial and Industrial: Risk Rating: Pass 490 1,360 1,169 671 466 753 2,061 6,970 Special Mention 1 31 37 119 14 70 36 308 Substandard 1 43 20 50 6 81 118 319 Total commercial and industrial 492 1,434 1,226 840 486 904 2,215 7,597 Commercial and industrial current period gross charge-offs — 0.5 1.0 1.0 0.9 5.2 — 8.6 Commercial Leases: Risk Rating: Pass 179 207 121 69 36 48 — 660 Special Mention — 1 — — — 1 — 2 Substandard — 7 2 5 6 1 — 21 Total commercial leases 179 215 123 74 42 50 — 683 Commercial leases current period gross charge-offs — — — — — 0.2 — 0.2 Other Commercial: Risk Rating: Pass 8 54 — — — 6 77 145 Total other commercial 8 54 — — — 6 77 145 Other commercial current period gross charge-offs — — — — — 1.9 — 1.9 Total commercial loans and leases 1,394 3,303 3,693 3,255 2,026 4,912 2,506 21,089 June 30, 2024 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Total (in millions) CONSUMER Direct Installment: Current 165 310 667 732 366 447 — 2,687 Past due — 1 1 1 1 9 — 13 Total direct installment 165 311 668 733 367 456 — 2,700 Direct installment current period gross charge-offs — 0.1 0.1 0.1 — 0.3 — 0.6 Residential Mortgages: Current 918 1,499 1,642 1,469 763 1,109 1 7,401 Past due 1 8 6 6 3 34 — 58 Total residential mortgages 919 1,507 1,648 1,475 766 1,143 1 7,459 Residential mortgages current period gross charge-offs — 0.1 — — — 0.1 — 0.2 Indirect Installment: Current 256 269 323 188 72 60 — 1,168 Past due — 3 7 7 2 1 — 20 Total indirect installment 256 272 330 195 74 61 — 1,188 Indirect installment current period gross charge-offs — 0.8 2.5 1.6 0.3 0.2 — 5.4 Consumer Lines of Credit: Current 5 34 56 13 3 117 1,078 1,306 Past due — — 1 1 — 11 2 15 Total consumer lines of credit 5 34 57 14 3 128 1,080 1,321 Consumer lines of credit current period gross charge-offs — — 0.1 — — 0.5 — 0.6 Total consumer loans 1,345 2,124 2,703 2,417 1,210 1,788 1,081 12,668 Total loans and leases $ 2,739 $ 5,427 $ 6,396 $ 5,672 $ 3,236 $ 6,700 $ 3,587 $ 33,757 Total charge-offs $ — $ 1.8 $ 4.3 $ 3.0 $ 1.3 $ 17.4 $ — $ 27.8 December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total (in millions) COMMERCIAL Commercial Real Estate: Risk Rating: Pass $ 1,508 $ 2,133 $ 2,298 $ 1,449 $ 1,131 $ 2,711 $ 230 $ 11,460 Special Mention 10 66 76 136 105 197 5 595 Substandard 5 27 27 13 59 104 15 250 Total commercial real estate 1,523 2,226 2,401 1,598 1,295 3,012 250 12,305 Commercial real estate current period gross charge-offs 0.2 0.4 0.4 0.7 0.2 10.5 — 12.4 Commercial and Industrial: Risk Rating: Pass 1,509 1,369 844 575 370 585 1,773 7,025 Special Mention 12 3 56 2 12 35 35 155 Substandard 34 26 62 9 24 58 89 302 Total commercial and industrial 1,555 1,398 962 586 406 678 1,897 7,482 Commercial and industrial current period gross charge-offs 0.1 0.3 1.0 1.0 2.2 46.6 — 51.2 Commercial Leases: Risk Rating: Pass 247 134 82 47 24 41 — 575 Special Mention — 1 — — — 1 — 2 Substandard 7 3 4 7 1 — — 22 Total commercial leases 254 138 86 54 25 42 — 599 Commercial leases current period gross charge-offs — — — — — — — — Other Commercial: Risk Rating: Pass 39 — — — — 8 63 110 Total other commercial 39 — — — — 8 63 110 Other commercial current period gross charge-offs — — — — — 4.5 — 4.5 Total commercial loans and leases 3,371 3,762 3,449 2,238 1,726 3,740 2,210 20,496 December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total (in millions) CONSUMER Direct Installment: Current 340 712 784 392 136 364 — 2,728 Past due — 1 — 1 1 10 — 13 Total direct installment 340 713 784 393 137 374 — 2,741 Direct installment current period gross charge-offs — 0.2 0.1 0.1 — 0.2 — 0.6 Residential Mortgages: Current 1,421 1,686 1,516 799 343 819 1 6,585 Past due 3 6 5 3 3 35 — 55 Total residential mortgages 1,424 1,692 1,521 802 346 854 1 6,640 Residential mortgages current period gross charge-offs — — — — — 0.7 — 0.7 Indirect Installment: Current 311 387 238 100 42 49 — 1,127 Past due 2 8 8 2 1 1 — 22 Total indirect installment 313 395 246 102 43 50 — 1,149 Indirect installment current period gross charge-offs 0.4 4.3 3.7 0.6 0.3 1.4 — 10.7 Consumer Lines of Credit: Current 38 61 14 2 3 117 1,044 1,279 Past due — 1 1 — — 13 3 18 Total consumer lines of credit 38 62 15 2 3 130 1,047 1,297 Consumer lines of credit current period gross charge-offs 0.1 — — — — 0.9 — 1.0 Total consumer loans 2,115 2,862 2,566 1,299 529 1,408 1,048 11,827 Total loans and leases $ 5,486 $ 6,624 $ 6,015 $ 3,537 $ 2,255 $ 5,148 $ 3,258 $ 32,323 Total charge-offs $ 0.8 $ 5.2 $ 5.2 $ 2.4 $ 2.7 $ 64.8 $ — $ 81.1 We use delinquency transition matrices within the consumer and other loan classes to establish the basis for the R&S forecast portion of the credit risk. Each month, management analyzes payment and volume activity, FICO scores and Debt-to-Income (DTI) scores and other external factors such as unemployment, to determine how consumer loans are performing. Non-Performing and Past Due The following table provides an analysis of the aging of loans by class. TABLE 4.5 (in millions) 30-89 Days > 90 Days Past Due and Still Accruing Non- Total Current Total Non-accrual with No ACL June 30, 2024 Commercial real estate $ 10 $ — $ 33 $ 43 $ 12,621 $ 12,664 $ 19 Commercial and industrial 9 — 45 54 7,543 7,597 19 Commercial leases 2 — 3 5 678 683 — Other 3 1 2 6 139 145 — Total commercial loans and leases 24 1 83 108 20,981 21,089 38 Direct installment 7 1 5 13 2,687 2,700 — Residential mortgages 39 7 12 58 7,401 7,459 — Indirect installment 18 — 2 20 1,168 1,188 — Consumer lines of credit 7 2 6 15 1,306 1,321 — Total consumer loans 71 10 25 106 12,562 12,668 — Total loans and leases $ 95 $ 11 $ 108 $ 214 $ 33,543 $ 33,757 $ 38 (in millions) 30-89 Days > 90 Days Past Due and Still Accruing Non- Total Current Total Non-accrual with No ACL December 31, 2023 Commercial real estate $ 21 $ — $ 42 $ 63 $ 12,242 $ 12,305 $ 18 Commercial and industrial 9 — 39 48 7,434 7,482 7 Commercial leases 2 — 3 5 594 599 — Other 1 1 — 2 108 110 — Total commercial loans and leases 33 1 84 118 20,378 20,496 25 Direct installment 7 1 5 13 2,728 2,741 — Residential mortgages 38 7 10 55 6,585 6,640 — Indirect installment 19 1 2 22 1,127 1,149 — Consumer lines of credit 10 2 6 18 1,279 1,297 — Total consumer loans 74 11 23 108 11,719 11,827 — Total loans and leases $ 107 $ 12 $ 107 $ 226 $ 32,097 $ 32,323 $ 25 Following is a summary of non-performing assets: TABLE 4.6 (dollars in millions) June 30, December 31, Non-accrual loans $ 108 $ 107 Total non-performing loans and leases 108 107 Other real estate owned 3 3 Total non-performing assets $ 111 $ 110 Asset quality ratios: Non-performing loans and leases / total loans and leases 0.32 % 0.33 % Non-performing assets plus 90 days or more past due / total loans and leases plus OREO 0.36 0.38 The carrying value of residential-secured consumer OREO held as a result of obtaining physical possession upon completion of a foreclosure or through completion of a deed in lieu of foreclosure amounted to $1.2 million at both June 30, 2024 and December 31, 2023. The recorded investment of residential-secured consumer OREO for which formal foreclosure proceedings are in process at June 30, 2024 and December 31, 2023 totaled $12.9 million and $9.4 million, respectively. Approximately $65.6 million of commercial loans are collateral dependent at June 30, 2024. Repayment is expected to be substantially made through the operation or sale of the collateral on the loan. These loans are primarily secured by business assets or commercial real estate. Loan Modifications During the period, there are loans whose contractual terms have been modified in a manner that grants a concession to a borrower experiencing financial difficulties. These modifications typically result from loss mitigation activities and could include a term extension, interest rate reduction, principal forgiveness and other actions intended to minimize the economic loss and to avoid foreclosure or repossession of collateral. Accrued interest receivable on loan modifications totaled $0.05 million and $0.08 million at June 30, 2024 and June 30, 2023, respectively, and is excluded from the amortized cost of loan modifications in the tables that follow. The following table shows the amortized cost basis at the end of the reporting period of the loans modified during the period to borrowers experiencing financial difficulty, disaggregated by class of financing receivable, type of concession granted and the financial effect of the modifications made to borrowers experiencing financial difficulty: TABLE 4.7 (dollars in millions) Amortized Cost Basis % of Total Class of Financing Receivable Financial Effect Three Months Ended June 30, 2024 Term Extension Direct installment $ 0.7 0.03 % The modified loans had an average increase in term of 41 months extending the maturity date. Residential mortgages 3.4 0.05 The modified loans had an average increase in term of 24 months extending the maturity date. Consumer lines of credit 0.5 0.04 The modified loans had an average increase in term of 162 months extending the maturity date. Total 4.6 Term Extension and Rate Reduction Residential mortgages 0.2 — Multiple modifications were made with no material financial effect. Consumer lines of credit 0.2 0.02 Multiple modifications were made with no material financial effect. Total 0.4 Other Commercial real estate 0.1 — 3 to 9 month payment deferrals with no income being earned on these loans. Total 0.1 Total Outstanding Modified $ 5.1 (dollars in millions) Amortized Cost Basis % of Total Class of Financing Receivable Financial Effect Six Months Ended June 30, 2024 Term Extension Direct installment $ 0.8 0.03 % The modified loans had an average increase in term of 61 months, extending the maturity date. Residential mortgages 4.1 0.05 The modified loans had an average increase in term of 28 months, extending the maturity date. Consumer lines of credit 1.0 0.08 The modified loans had an average increase in term of 208 months, extending the maturity date. Total 5.9 Rate Reduction Residential mortgages 0.1 — The term was extended, with a weighted average yield reduction of 100 basis points. Total 0.1 Term Extension and Rate Reduction Commercial real estate 0.9 0.01 Multiple modifications were made with no material financial effect. Residential mortgages 0.8 0.01 Multiple modifications were made with no material financial effect. Consumer lines of credit 0.2 0.02 Multiple modifications were made with no material financial effect. Total 1.9 Balloon Payment Commercial real estate 0.6 — Multiple modifications were made with no material financial effect. Total 0.6 Other Commercial real estate 4.2 0.03 3 to 12 month payment deferrals with no income being earned on these loans. Commercial and industrial 0.6 0.01 Multiple modifications were made with no material financial effect. Total 4.8 Total Outstanding Modified $ 13.3 (dollars in millions) Amortized Cost Basis % of Total Class of Financing Receivable Financial Effect Three Months Ended June 30, 2023 Term Extension Commercial real estate $ 11.2 0.10 % The modified loans had an average increase in term of 22 months, extending the maturity date. Direct installment 0.3 0.01 The repayment on the loans modified were extended, lowering the monthly repayment. Residential mortgages 1.5 0.02 The modified loans had an average increase in term of 138 months, extending the maturity date. Total 13.0 Term Extension and Rate Reduction Commercial and industrial 0.1 — The term was extended, with a weighted average yield reduction of 487 basis points. Direct installment 0.2 0.01 The modified loans had an average increase in term of 445 months, extending the maturity date. Residential mortgages 0.4 0.01 The modified loans had an average increase in term of 151 months, extending the maturity date. Consumer lines of credit 0.6 0.05 The term was extended, with a weighted average yield reduction of 326 basis points. Total 1.3 Other Consumer lines of credit 0.2 0.02 Multiple modifications were made with no material financial effect. Total 0.2 Total Outstanding Modified $ 14.5 (dollars in millions) Amortized Cost Basis % of Total Class of Financing Receivable Financial Effect Six Months Ended June 30, 2023 Term Extension Commercial real estate $ 11.5 0.10 % The modified loans had an average increase in term of 22 months, extending the maturity date. Commercial and industrial 2.3 0.03 The modified loans had an average increase in term of 12 months, extending the maturity date. Direct installment 0.4 0.01 The repayment on the loans modified were extended, lowering the monthly repayment. Residential mortgages 1.6 0.03 The modified loans had an average increase in term of 141 months, extending the maturity date. Consumer lines of credit 0.2 0.02 The repayment on the loans modified was extended, lowering the monthly repayment. Total 16.0 Term Extension and Rate Reduction Commercial and industrial 0.2 — The term was extended, with a weighted average yield reduction of 487 basis points. Direct installment 0.3 0.01 The modified loans had an average increase in term of 363 months, extending the maturity date. Residential mortgages 0.7 0.01 The term was extended, with a weighted average yield reduction of 278 basis points. Consumer lines of credit 0.6 0.05 The term was extended, with a weighted average yield reduction of 326 basis points. Total 1.8 Other Commercial real estate 0.3 — Multiple modifications were made with no material financial effect. Residential mortgages 0.1 — Multiple modifications were made with no material financial effect. Consumer lines of credit 0.2 0.02 Multiple modifications were made with no material financial effect. Total 0.6 Total Outstanding Modified $ 18.4 Some loan modifications may not ultimately result in the full collection of principal and interest, as modified, and may result in potential incremental losses which are factored into the ACL. There were no additional funds committed to borrowers whose loans were modified during the first six months of 2024. Commercial loans over $1.0 million whose terms have been modified may be placed on non-accrual, individually analyzed and measured based on the fair value of the underlying collateral. Our ACL includes specific reserves for commercial loans modified. There were $0.5 million and $5.3 million in specific reserves for commercial loans modified at June 30, 2024 and December 31, 2023, respectively, and pooled reserves for individual loans of $1.9 million and $2.0 million for those same periods, respectively, based on loan segment LGD. Upon default, the amount of the recorded investment of the modified loan balance in excess of the fair value of the collateral, less estimated selling costs, is generally considered a confirmed loss and is charged-off against the ACL. All other classes of loans whose terms have been modified are pooled and measured based on the loan segment LGD. Our ACL included pooled reserves for these classes of loans of $4.1 million and $3.8 million as of June 30, 2024 and December 31, 2023, respectively. Upon default of an individual loan, our charge-off policy is followed for that class of loan. Following is a summary of loans modified in a manner that grants a concession to a borrower experiencing financial difficulties, by class, for which there was a payment default, excluding loans that have been paid off and/or sold. Default occurs when a loan is 90 days or more past due or in non-accrual and is within 12 months of restructuring. TABLE 4.8 Amortized cost basis of modified financing receivables that subsequently defaulted: (in millions) Term Extension Term Extension and Rate Reduction Balloon Payment Other Total Outstanding Modified Three Months Ended June 30, 2024 Commercial real estate $ 0.4 $ — $ — $ 0.2 $ 0.6 Commercial and industrial — — — 0.9 0.9 Total commercial loans and leases 0.4 — — 1.1 1.5 Residential mortgages 1.5 — — — 1.5 Total consumer loans 1.5 — — — 1.5 Total $ 1.9 $ — $ — $ 1.1 $ 3.0 Six Months Ended June 30, 2024 Commercial real estate $ 0.7 $ 0.9 $ 0.6 $ 8.8 $ 11.0 Commercial and industrial 20.3 0.2 — 1.6 22.1 Total commercial loans and leases 21.0 1.1 0.6 10.4 33.1 Residential mortgages 1.7 — — — 1.7 Total consumer loans 1.7 — — — 1.7 Total $ 22.7 $ 1.1 $ 0.6 $ 10.4 $ 34.8 (in millions) Term Extension Term Extension and Rate Reduction Other Total Outstanding Modified Three Months Ended June 30, 2023 Commercial real estate $ 0.4 $ — $ 0.1 $ 0.5 Commercial and industrial — 0.1 — 0.1 Total commercial loans and leases 0.4 0.1 0.1 0.6 Total $ 0.4 $ 0.1 $ 0.1 $ 0.6 Six Months Ended June 30, 2023 Commercial real estate $ 0.4 $ — $ 0.7 $ 1.1 Commercial and industrial 1.5 0.2 — 1.7 Total commercial loans and leases 1.9 0.2 0.7 2.8 Residential mortgages — 0.3 — 0.3 Consumer lines of credit 0.1 — — 0.1 Total consumer loans 0.1 0.3 — 0.4 Total $ 2.0 $ 0.5 $ 0.7 $ 3.2 We closely monitor the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of our modification efforts. The following table depicts the performance of loans that have been modified in the last 12 months: TABLE 4.9 Payment status - amortization cost basis: (in millions) Current 30-89 Days Past Due 90+ Days Past Due June 30, 2024 Commercial real estate $ 14.8 $ — $ — Commercial and industrial 18.5 — — Total commercial loans and leases 33.3 — — Direct installment 1.3 0.8 — Residential mortgages 3.3 2.9 1.2 Consumer lines of credit 1.6 0.4 — Total consumer loans 6.2 4.1 1.2 Total $ 39.5 $ 4.1 $ 1.2 (in millions) Current 30-89 Days Past Due 90+ Days Past Due June 30, 2023 Commercial real estate $ 11.9 $ — $ — Commercial and industrial 1.7 0.8 — Total commercial loans and leases 13.6 0.8 — Direct installment 0.6 0.1 — Residential mortgages 1.8 0.5 — Consumer lines of credit 1.0 — — Total consumer loans 3.4 0.6 — Total $ 17.0 $ 1.4 $ —

ALLOWANCE FOR CREDIT LOSSES ON

ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LEASES	6 Months Ended
	Jun. 30, 2024
Receivables [Abstract]
ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LEASES	ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LEASES The ACL is maintained for credit losses expected in the existing loan and lease portfolio and is presented as a reserve against loans and leases on the Consolidated Balance Sheets. Loan and lease losses are charged off against the ACL, with recoveries of amounts previously charged off credited to the ACL. Provisions for credit losses are charged to operations based on management’s periodic evaluation of the appropriate level of the ACL. Following is a summary of changes in the ACL, by loan and lease class: TABLE 5.1 (in millions) Balance at Charge- Recoveries Net Provision for Credit Losses Balance at Three Months Ended June 30, 2024 Commercial real estate $ 161.9 $ (3.2) $ 0.8 $ (2.4) $ (1.8) $ 157.7 Commercial and industrial 86.9 (4.7) 1.7 (3.0) 9.6 93.5 Commercial leases 22.4 — 0.1 0.1 0.4 22.9 Other 4.1 (1.0) 0.6 (0.4) 0.3 4.0 Total commercial loans and leases 275.3 (8.9) 3.2 (5.7) 8.5 278.1 Direct installment 30.6 (0.4) 0.2 (0.2) 0.5 30.9 Residential mortgages 79.3 (0.2) 0.1 (0.1) 9.0 88.2 Indirect installment 12.5 (2.5) 0.9 (1.6) 2.2 13.1 Consumer lines of credit 8.6 (0.3) 0.1 (0.2) 0.1 8.5 Total consumer loans 131.0 (3.4) 1.3 (2.1) 11.8 140.7 Total allowance for credit losses on loans and leases 406.3 (12.3) 4.5 (7.8) 20.3 418.8 Allowance for unfunded loan commitments 21.9 — — — (0.1) 21.8 Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments $ 428.2 $ (12.3) $ 4.5 $ (7.8) $ 20.2 $ 440.6 Six Months Ended June 30, 2024 Commercial real estate $ 166.6 $ (10.3) $ 1.2 $ (9.1) $ 0.2 $ 157.7 Commercial and industrial 87.8 (8.6) 2.5 (6.1) 11.8 93.5 Commercial leases 21.2 (0.2) 0.1 (0.1) 1.8 22.9 Other 3.7 (1.9) 0.9 (1.0) 1.3 4.0 Total commercial loans and leases 279.3 (21.0) 4.7 (16.3) 15.1 278.1 Direct installment 33.8 (0.6) 0.4 (0.2) (2.7) 30.9 Residential mortgages 70.5 (0.2) 0.1 (0.1) 17.8 88.2 Indirect installment 12.8 (5.4) 1.5 (3.9) 4.2 13.1 Consumer lines of credit 9.2 (0.6) 0.5 (0.1) (0.6) 8.5 Total consumer loans 126.3 (6.8) 2.5 (4.3) 18.7 140.7 Total allowance for credit losses on loans and leases 405.6 (27.8) 7.2 (20.6) 33.8 418.8 Allowance for unfunded loan commitments 21.5 — — — 0.3 21.8 Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments $ 427.1 $ (27.8) $ 7.2 $ (20.6) $ 34.1 $ 440.6 (in millions) Balance at Charge- Recoveries Net Provision Balance at Three Months Ended June 30, 2023 Commercial real estate $ 159.2 $ (1.8) $ 1.3 $ (0.5) $ (4.5) $ 154.2 Commercial and industrial 101.7 (5.5) 0.7 (4.8) 17.4 114.3 Commercial leases 14.8 — — — 0.4 15.2 Other 4.0 (1.6) 0.2 (1.4) 1.2 3.8 Total commercial loans and leases 279.7 (8.9) 2.2 (6.7) 14.5 287.5 Direct installment 36.2 (0.1) 0.1 — (0.6) 35.6 Residential mortgages 60.4 (0.2) — (0.2) 3.2 63.4 Indirect installment 16.6 (2.2) 0.5 (1.7) 1.7 16.6 Consumer lines of credit 10.5 (0.3) 0.2 (0.1) (0.8) 9.6 Total consumer loans 123.7 (2.8) 0.8 (2.0) 3.5 125.2 Total allowance for credit losses on loans and leases 403.4 (11.7) 3.0 (8.7) 18.0 412.7 Allowance for unfunded loan commitments 20.5 — — — 0.5 21.0 Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments $ 423.9 $ (11.7) $ 3.0 $ (8.7) $ 18.5 $ 433.7 Six Months Ended June 30, 2023 Commercial real estate $ 162.1 $ (8.3) $ 2.3 $ (6.0) $ (1.9) $ 154.2 Commercial and industrial 102.1 (11.3) 1.6 (9.7) 21.9 114.3 Commercial leases 13.5 — — — 1.7 15.2 Other 4.0 (2.4) 0.5 (1.9) 1.7 3.8 Total commercial loans and leases 281.7 (22.0) 4.4 (17.6) 23.4 287.5 Direct installment 35.9 (0.4) 0.3 (0.1) (0.2) 35.6 Residential mortgages 55.5 (0.6) 0.2 (0.4) 8.3 63.4 Indirect installment 17.3 (4.8) 1.1 (3.7) 3.0 16.6 Consumer lines of credit 11.3 (0.6) 0.5 (0.1) (1.6) 9.6 Total consumer loans 120.0 (6.4) 2.1 (4.3) 9.5 125.2 Total allowance for credit losses on loans and leases 401.7 (28.4) 6.5 (21.9) 32.9 412.7 Allowance for unfunded loan commitments 21.4 — — — (0.4) 21.0 Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments $ 423.1 $ (28.4) $ 6.5 $ (21.9) $ 32.5 $ 433.7 Following is a summary of changes in the AULC by portfolio segment: TABLE 5.2 Three Months Ended Six Months Ended 2024 2023 2024 2023 (in millions) Balance at beginning of period $ 21.9 $ 20.5 $ 21.5 $ 21.4 Provision for unfunded loan commitments and letters of credit: Commercial portfolio (0.1) 0.5 0.4 (0.4) Consumer portfolio — — (0.1) — Balance at end of period $ 21.8 $ 21.0 $ 21.8 $ 21.0 The model used to calculate the ACL is dependent on the portfolio composition and credit quality, as well as historical experience, current conditions and forecasts of economic conditions and interest rates. Specifically, the following considerations are incorporated into the ACL calculation: • a third-party macroeconomic forecast scenario; • a 24-month R&S forecast period for macroeconomic factors with a reversion to the historical mean on a straight-line basis over a 12-month period; and • the historical through-the-cycle mean was calculated using an expanded period to include a prior recessionary period. At June 30, 2024 and December 31, 2023, we utilized a third-party consensus macroeconomic forecast reflecting the current and projected macroeconomic environment. For our ACL calculation at June 30, 2024, the macroeconomic variables that we utilized included, but were not limited to: (i) the purchase only Housing Price Index, which increases 7.2% over our R&S forecast period, (ii) a Commercial Real Estate Price Index, which increases 5.9% over our R&S forecast period, (iii) S&P Volatility, which increases 12.3% in 2024 and decreases 0.8% in 2025 and (iv) personal and business bankruptcies, which increase steadily over the R&S forecast period but average below the historical through the cycle period. Macroeconomic variables that we utilized for our ACL calculation as of December 31, 2023 included, but were not limited to: (i) the purchase only Housing Price Index, which increases 5.3% over our R&S forecast period, (ii) a Commercial Real Estate Price Index, which increases 0.1% over our R&S forecast period, (iii) S&P Volatility, which decreases 4.0% in 2024 and 2.9% in 2025 and (iv) bankruptcies, which increase steadily over the R&S forecast period but average below the historical through the cycle period. The ACL on loans and leases of $418.8 million at June 30, 2024 increased $13.2 million, or 3.3%, from December 31, 2023. Our ending ACL coverage ratio at June 30, 2024 was 1.24%, compared to 1.25% at December 31, 2023. Total provision for credit losses for the three months ended June 30, 2024 was $20.2 million compared to $18.5 million for the same period of 2023 which included a $13 million specific reserve established for a single $32 million commercial and industrial loan downgraded to non-performing status during the second quarter of 2023. The second quarter of 2024 reflected net charge-offs of $7.8 million, or 0.09% annualized of average total loans, compared to $8.7 million, or 0.11% annualized, in the second quarter of 2023. Total provision for credit losses for the six months ended June 30, 2024 was $34.1 million compared to $32.6 million for the same period of 2023. Net charge-offs were $20.6 million, or 0.13% annualized of average total loans, during the six months ended June 30, 2024, compared to $21.9 million, or 0.14% annualized, for the same period of 2023.

LOAN SERVICING

LOAN SERVICING	6 Months Ended
	Jun. 30, 2024
Transfers and Servicing [Abstract]
LOAN SERVICING	LOAN SERVICING Mortgage Loan Servicing We retain the servicing rights on certain mortgage loans sold. The unpaid principal balance of mortgage loans serviced for others is listed below: TABLE 6.1 (in millions) June 30, December 31, Mortgage loans sold with servicing retained $ 6,095 $ 5,729 The following table summarizes activity relating to mortgage loans sold with servicing retained: TABLE 6.2 Three Months Ended Six Months Ended (in millions) 2024 2023 2024 2023 Mortgage loans sold with servicing retained $ 306 $ 261 $ 622 $ 459 Pre-tax net gains (losses) resulting from above loan sales (1) 5 1 11 1 Mortgage servicing fees (1) 3 4 7 7 (1) Recorded in mortgage banking operations on the Consolidated Statements of Income. Following is a summary of activity relating to MSRs: TABLE 6.3 Three Months Ended Six Months Ended (in millions) 2024 2023 2024 2023 Balance at beginning of period $ 62.5 $ 54.3 $ 59.5 $ 52.8 Additions 3.9 2.7 7.8 5.2 Payoffs and curtailments (0.8) — (1.3) (0.3) Impairment (charge) / recovery — — 0.2 — Amortization / other (0.5) (1.3) (1.1) (2.0) Balance at end of period $ 65.1 $ 55.7 $ 65.1 $ 55.7 Fair value, beginning of period $ 75.2 $ 67.8 $ 71.8 $ 68.6 Fair value, end of period 78.0 72.1 78.0 72.1 There was no valuation allowance for MSRs at June 30, 2024 and the valuation allowance for MSRs as of December 31, 2023 was $0.2 million. The fair value of MSRs is highly sensitive to changes in assumptions and is determined by estimating the present value of the asset’s future cash flows utilizing market-based prepayment rates, discount rates and other assumptions validated through comparison to trade information, industry surveys and the use of independent third-party valuations. Changes in prepayment speed assumptions have the most significant impact on the fair value of MSRs. Generally, as interest rates decline, mortgage loan prepayments accelerate due to increased refinance activity, which results in a decrease in the fair value of MSRs and as interest rates increase, mortgage loan prepayments decline, which results in an increase in the fair value of MSRs. Measurement of fair value is limited to the conditions existing and the assumptions utilized as of a particular point in time, and those assumptions may not be appropriate if they are applied at a different point in time. Following is a summary of the sensitivity of the fair value of MSRs to changes in key assumptions: TABLE 6.4 (dollars in millions) June 30, December 31, Weighted average life (months) 92 92 Constant prepayment rate (annualized) 8.1 % 7.9 % Discount rate 10.2 % 10.2 % Effect on fair value due to change in interest rates: +2.00% $ 8 $ 7 +1.00% 6 5 +0.50% 4 3 +0.25% 2 2 -0.25% (2) (2) -0.50% (5) (4) -1.00% (10) (8) -2.00% (19) (21) -3.00% (36) (42) The sensitivity calculations above are hypothetical and should not be considered to be predictive of future performance. Changes in fair value based on adverse changes in assumptions generally cannot be extrapolated because the relationship of the changes in assumptions to fair value may not be linear. Also, in this table, the effects of an adverse variation in a particular assumption on the fair value of MSRs is calculated without changing any other assumptions, while, in reality, changes in one factor may result in changing another, which may magnify or contract the effect of the change.

LEASES

LEASES	6 Months Ended
	Jun. 30, 2024
Leases [Abstract]
LEASES	LEASES We have operating leases primarily for certain branches, office space, land and office equipment. We have finance leases for certain branches. Our operating leases expire at various dates through the year 2046 and generally include one or more options to renew. Our finance leases expire at various dates through the year 2051 and generally include one or more options to renew. The exercise of lease renewal options is at our sole discretion. As of June 30, 2024, we had operating lease right-of-use assets and operating lease liabilities of $199.3 million and $240.4 million, respectively. We have finance lease right-of-use assets and finance lease liabilities of $34.6 million and $36.2 million, respectively. Our operating lease agreements do not contain any material residual value guarantees or material restrictive covenants. As of June 30, 2024, we have certain operating lease agreements, primarily for administrative office space, that have not yet commenced. At commencement, it is expected that these leases will add approximately $8.0 million in right-of-use assets and $8.3 million in other liabilities. These operating leases are currently expected to commence in 2024 and 2025 with lease terms of up to 20 years. These operating leases include the lease, with a related party, of the future new FNB headquarters building in Pittsburgh, Pennsylvania. Beginning in 2023, several floors of the FNB headquarters building have been made available to FNB for the purpose of constructing our office spaces, and we commenced the lease of those floors. The related party operating lease is accounted for in a manner consistent with all other leases on the basis of the legally enforceable terms and conditions of the lease and the related party represents a VIE for which we are not the primary beneficiary. The components of lease expense were as follows: TABLE 7.1 Three Months Ended Six Months Ended (dollars in millions) 2024 2023 2024 2023 Operating lease cost $ 9 $ 8 $ 19 $ 16 Variable lease cost 2 1 3 2 Finance lease cost 1 1 2 2 Total lease cost $ 12 $ 10 $ 24 $ 20 Other information related to leases is as follows: TABLE 7.2 Six Months Ended (dollars in millions) 2024 2023 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 15 $ 7 Operating cash flows from finance leases $ 1 $ — Right-of-use assets obtained in exchange for lease obligations: Operating leases $ 25 $ — Finance leases $ 4 $ — Weighted average remaining lease term (years): Operating leases 11.00 9.11 Finance leases 19.00 19.97 Weighted average discount rate: Operating leases 3.8 % 2.7 % Finance leases 3.4 % 3.1 % Future cash flows of lease liabilities are as follows: TABLE 7.3 (in millions) Operating Leases Finance Leases Total Leases June 30, 2024 0 - 12 months $ 35 $ 2 $ 37 13 - 24 months 30 2 32 25 - 36 months 27 2 29 37 - 48 months 25 3 28 49 - 60 months 23 3 26 Later years 164 37 201 Total lease payments 304 49 353 Less: imputed interest (64) (13) (77) Present value of lease liabilities $ 240 $ 36 $ 276 As a lessor we offer commercial leasing services to customers in need of new or used equipment primarily within our market areas of Pennsylvania, Ohio, Maryland, North Carolina, South Carolina and West Virginia. Additional information relating to commercial leasing is provided in Note 4, “Loans and Leases” in the Notes to Consolidated Financial Statements.
LEASES	LEASES We have operating leases primarily for certain branches, office space, land and office equipment. We have finance leases for certain branches. Our operating leases expire at various dates through the year 2046 and generally include one or more options to renew. Our finance leases expire at various dates through the year 2051 and generally include one or more options to renew. The exercise of lease renewal options is at our sole discretion. As of June 30, 2024, we had operating lease right-of-use assets and operating lease liabilities of $199.3 million and $240.4 million, respectively. We have finance lease right-of-use assets and finance lease liabilities of $34.6 million and $36.2 million, respectively. Our operating lease agreements do not contain any material residual value guarantees or material restrictive covenants. As of June 30, 2024, we have certain operating lease agreements, primarily for administrative office space, that have not yet commenced. At commencement, it is expected that these leases will add approximately $8.0 million in right-of-use assets and $8.3 million in other liabilities. These operating leases are currently expected to commence in 2024 and 2025 with lease terms of up to 20 years. These operating leases include the lease, with a related party, of the future new FNB headquarters building in Pittsburgh, Pennsylvania. Beginning in 2023, several floors of the FNB headquarters building have been made available to FNB for the purpose of constructing our office spaces, and we commenced the lease of those floors. The related party operating lease is accounted for in a manner consistent with all other leases on the basis of the legally enforceable terms and conditions of the lease and the related party represents a VIE for which we are not the primary beneficiary. The components of lease expense were as follows: TABLE 7.1 Three Months Ended Six Months Ended (dollars in millions) 2024 2023 2024 2023 Operating lease cost $ 9 $ 8 $ 19 $ 16 Variable lease cost 2 1 3 2 Finance lease cost 1 1 2 2 Total lease cost $ 12 $ 10 $ 24 $ 20 Other information related to leases is as follows: TABLE 7.2 Six Months Ended (dollars in millions) 2024 2023 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 15 $ 7 Operating cash flows from finance leases $ 1 $ — Right-of-use assets obtained in exchange for lease obligations: Operating leases $ 25 $ — Finance leases $ 4 $ — Weighted average remaining lease term (years): Operating leases 11.00 9.11 Finance leases 19.00 19.97 Weighted average discount rate: Operating leases 3.8 % 2.7 % Finance leases 3.4 % 3.1 % Future cash flows of lease liabilities are as follows: TABLE 7.3 (in millions) Operating Leases Finance Leases Total Leases June 30, 2024 0 - 12 months $ 35 $ 2 $ 37 13 - 24 months 30 2 32 25 - 36 months 27 2 29 37 - 48 months 25 3 28 49 - 60 months 23 3 26 Later years 164 37 201 Total lease payments 304 49 353 Less: imputed interest (64) (13) (77) Present value of lease liabilities $ 240 $ 36 $ 276 As a lessor we offer commercial leasing services to customers in need of new or used equipment primarily within our market areas of Pennsylvania, Ohio, Maryland, North Carolina, South Carolina and West Virginia. Additional information relating to commercial leasing is provided in Note 4, “Loans and Leases” in the Notes to Consolidated Financial Statements.

VARIABLE INTEREST ENTITIES

VARIABLE INTEREST ENTITIES	6 Months Ended
	Jun. 30, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
VARIABLE INTEREST ENTITIES	VARIABLE INTEREST ENTITIES We evaluate our interest in certain entities to determine if these entities meet the definition of a VIE and whether we are the primary beneficiary and required to consolidate the entity based on the variable interest we held both at inception and when there is a change in circumstances that requires a reconsideration. Unconsolidated VIEs The following table provides a summary of the assets and liabilities included in our Consolidated Financial Statements, as well as the maximum exposure to losses, associated with our interests related to VIEs for which we hold an interest, but are not the primary beneficiary. TABLE 8.1 (in millions) Total Assets Total Liabilities Maximum Exposure to Loss June 30, 2024 Trust preferred securities (1) $ 3 $ 73 $ — Tax credit partnerships 174 81 174 Other investments 28 — 28 Total $ 205 $ 154 $ 202 December 31, 2023 Trust preferred securities (1) $ 3 $ 73 $ — Tax credit partnerships 143 62 143 Other investments 40 6 40 Total $ 186 $ 141 $ 183 (1) Represents our investment in unconsolidated subsidiaries. Trust-Preferred Securities We have certain wholly-owned trusts whose assets, liabilities, equity, income and expenses are not included within our Consolidated Financial Statements. These trusts have been formed for the sole purpose of issuing TPS, from which the proceeds are then invested in our junior subordinated debentures, which are reflected in our Consolidated Balance Sheets as junior subordinated debt. The TPS are the obligations of the trusts, and as such, are not consolidated within our Consolidated Financial Statements. For additional information relating to our TPS, see Note 9, “Borrowings” in the Notes to Consolidated Financial Statements. Each issue of the junior subordinated debentures has an interest rate equal to the corresponding TPS distribution rate. We have the right to defer payment of interest on the debentures at any time, or from time-to-time for a period not exceeding five years provided that no extension period may extend beyond the stated maturity of the related debentures. During any such extension period, distributions to the TPS will also be deferred and our ability to pay dividends on our common stock will be restricted. Periodic cash payments and payments upon liquidation or redemption with respect to TPS are guaranteed by us to the extent of funds held by the trusts. The guarantee ranks subordinate and junior in right of payment to all our indebtedness to the same extent as the junior subordinated debt. The guarantee does not place a limitation on the amount of additional indebtedness that may be incurred by us. Affordable Housing, Historic and New Market Tax Credit Partnerships We make equity investments as a limited partner in various partnerships of affordable housing (LIHTC), historic tax credit (HTC) and new market tax credit (NMTC) programs pursuant to Sections 42, 47 and 45d of the Internal Revenue Code, respectively. The purpose of many of these investments is to support initiatives associated with the Community Reinvestment Act while earning a satisfactory return. The activities of the LIHTC partnerships include the development and operation of multi-family housing that is leased to qualifying residential tenants. HTC partnerships allow us to make investments in projects that involve the rehabilitation of historic structures, often combining our investments with bank financing. NMTC partnerships are designed to channel investments into distressed communities, fostering community development and stimulating economic growth. These tax credit partnerships are generally located in communities where we have a banking presence and meet the definition of a VIE; however, we are not the primary beneficiary of the entities, as the general partner or managing member has both the power to direct the activities that most significantly impact the economic performance of the entities and the obligation to absorb losses beyond our own equity investment. We apply the proportional amortization method of accounting for our investments in LIHTC partnerships. Effective January 1, 2024, upon the adoption of ASU 2023-02, Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method , we also began applying the proportional amortization method of accounting to our investments in HTC and NMTC partnerships. The proportional amortization method recognizes the amortized cost of the investments in these tax credit partnerships as a component of income tax expense on the Consolidated Statements of Income. Prior to the adoption of ASU 2023-02, we applied the equity method of accounting to the investments in HTC and NMTC partnerships. The adoption of ASU 2023-02 did not have a material impact on our consolidated financial statements. We record our investment in tax credit partnerships as a component of other assets. The following table presents the balances of our LIHTC, HTC and NMTC investments and related unfunded commitments: TABLE 8.2 (in millions) June 30, December 31, Tax credit investments included in other assets $ 93 $ 81 Unfunded tax credit investments 81 62 In the first quarter of 2024, we adopted ASU 2023-02, resulting in the amortization of HTC and NMTC investments being recognized in the provision for income taxes as of the adoption of this standard. These activities were previously recognized in non-interest expense. The following table summarizes the impact of these tax credit investments on the provision for income taxes in our Consolidated Statements of Income: TABLE 8.3 Three Months Ended Six Months Ended (in millions) 2024 2023 2024 2023 Provision for income taxes: Amortization of tax credit investments under proportional method $ 6 $ 4 $ 11 $ 8 Tax credits from tax credit investments (6) (4) (11) (8) Other tax benefits related to tax credit investments (1) — (2) (1) Total impact on provision for income taxes $ (1) $ — $ (2) $ (1) Other Investments Other investments we also consider to be unconsolidated VIEs include investments in Small Business Investment Companies and other equity method investments.

BORROWINGS

BORROWINGS	6 Months Ended
	Jun. 30, 2024
Debt Disclosure [Abstract]
BORROWINGS	BORROWINGS Following is a summary of short-term borrowings: TABLE 9.1 (in millions) June 30, December 31, Securities sold under repurchase agreements $ 201 $ 233 Federal Home Loan Bank advances 2,990 1,900 Federal funds purchased 298 260 Subordinated notes 127 113 Total short-term borrowings $ 3,616 $ 2,506 Borrowings with original maturities of one year or less are classified as short-term. Securities sold under repurchase agreements are comprised of customer repurchase agreements, which are sweep accounts with next-day maturities utilized by larger commercial customers to earn interest on their funds. Securities are pledged to these customers in an amount at least equal to the outstanding balance. Of the total short-term FHLB advances, $840.0 million, or 28.1%, had overnight maturities as of June 30, 2024. We had $450.0 million, or 23.7%, of short-term FHLB advances with overnight maturities as of December 31, 2023. At June 30, 2024, $200.0 million, or 6.7%, of the short-term FHLB advances were swapped to fixed rates with various maturities through 2024. This compares to $400.0 million, or 21.1%, as of December 31, 2023. Federal funds purchased are overnight funds borrowed from other financial institutions. Subordinated notes are unsecured and subordinated to our other indebtedness. The short-term subordinated notes mature within one year. Following is a summary of long-term borrowings: TABLE 9.2 (in millions) June 30, December 31, Federal Home Loan Bank advances $ 1,250 $ 1,200 Senior notes 349 349 Subordinated notes 77 82 Junior subordinated debt 73 73 Other subordinated debt 267 267 Total long-term borrowings $ 2,016 $ 1,971 Our banking affiliate has available credit with the FHLB of $11.6 billion, of which $4.2 billion was utilized and included in short-term and long-term borrowings and $450.0 million was utilized for a letter of credit for pledging of public funds as of June 30, 2024. These advances are secured by loans collateralized by residential mortgages, home equity lines of credit, commercial real estate and FHLB stock. The short-term borrowings are scheduled to mature in various amounts periodically during 2024 while the long-term borrowings are scheduled to mature periodically through 2027. Effective interest rates paid on fixed rate long-term FHLB advances ranged from 4.23% to 4.88% for both the three months ended June 30, 2024 and for the year ended December 31, 2023. The effective interest rate paid on variable rate long-term FHLB advances was Overnight SOFR The following table provides information relating to our senior notes and other subordinated debt as of June 30, 2024. The subordinated notes are eligible for treatment as tier 2 capital for regulatory capital purposes. TABLE 9.3 (dollars in millions) Aggregate Principal Amount Issued Net Proceeds (5) Carrying Value Stated Maturity Date Interest Senior Notes: 5.150% Senior Notes due August 25, 2025 $ 350 $ 347 $ 349 8/25/2025 5.150 % Total senior notes 350 347 349 Other Subordinated Debt: 7.984% Fixed-To-Floating Rate Subordinated Notes due 2029 (1) 120 118 119 2/14/2029 7.984 % 4.875% Subordinated Notes due 2025 100 98 100 10/2/2025 4.875 % 8.620% Fixed-To-Floating Rate Subordinated Notes due December 6, 2028 (2) (4) 25 26 24 12/6/2028 8.620 % 5.000% Fixed-To-Floating Rate Subordinated Note due May 29, 2030 (3) (4) 25 24 24 5/29/2030 5.000 % Total other subordinated debt 270 266 267 Total $ 620 $ 613 $ 616 (1) Floating rate effective February 14, 2024, determined by the Benchmark Replacement (three-month CME term SOFR (2) Floating rate effective December 6, 2023, determined by the Benchmark Replacement (three-month CME term SOFR (3) Fixed rate until May 29, 2025, at which time it converts to a floating rate determined by three-month SOFR (4) Assumed from an acquisition and adjusted to fair value at the time of acquisition. (5) After deducting underwriting discounts and commissions and offering costs. For the debt assumed from acquisitions, this is the fair value of the debt at the time of the acquisition. The junior subordinated debt is comprised of the debt securities issued by FNB, or companies we acquired, in relation to our four unconsolidated subsidiary trusts (collectively, the Trusts), which are unconsolidated VIEs, and are included on the Consolidated Balance Sheets in long-term borrowings. Since third-party investors are the primary beneficiaries, the Trusts are not consolidated in our Financial Statements. We record the distributions on the junior subordinated debt issued to the Trusts as interest expense. The following table provides information relating to the Trusts as of June 30, 2024: TABLE 9.4 (dollars in millions) Trust Common Junior Stated Interest Rate Rate Reset Factor F.N.B. Statutory Trust II $ 22 $ 1 $ 22 6/15/2036 7.25 % SOFR Yadkin Valley Statutory Trust I 25 1 23 12/15/2037 6.92 % SOFR FNB Financial Services Capital Trust I 25 1 23 9/30/2035 7.05 % SOFR Patapsco Statutory Trust I 5 — 5 12/15/2035 7.08 % SOFR Total $ 77 $ 3 $ 73 The SOFR rate used for the rate reset factors in the above table is the Benchmark Replacement (three-month CME term SOFR Other Credit Availability Our banking affiliate has additional unused other wholesale credit availability of $7.9 billion as of June 30, 2024.

DERIVATIVE INSTRUMENTS AND HEDG

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES	6 Months Ended
	Jun. 30, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES	DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES We are exposed to certain risks arising from both our business operations and economic conditions. We principally manage our exposures to a wide variety of business and operational risks through management of our core business activities. We manage economic risks, including interest rate risk, primarily by managing the amount, source, and duration of our assets and liabilities, and through the use of derivative instruments. Derivative instruments are used to reduce the effects that changes in interest rates may have on net income and cash flows. We also use derivative instruments to facilitate transactions on behalf of our customers. All derivatives are carried on the Consolidated Balance Sheets at fair value and do not take into account the effects of master netting arrangements we have with other financial institutions. Credit risk is included in the determination of the estimated fair value of derivatives. Derivative assets are reported in the Consolidated Balance Sheets in other assets and derivative liabilities are reported in other liabilities. Cash flow activity relating to derivative assets and derivative liabilities is reported in the other, net line in operating activities on the Consolidated Statements of Cash Flows. Changes in fair value are recognized in earnings except for certain changes related to derivative instruments designated as part of a cash flow hedging relationship, which are recognized in other comprehensive income. The following table presents notional amounts and gross fair values of our derivative assets and derivative liabilities which are not offset in the Consolidated Balance Sheets: TABLE 10.1 June 30, 2024 December 31, 2023 Notional Fair Value Notional Fair Value (in millions) Amount Asset Liability Amount Asset Liability Gross Derivatives Subject to master netting arrangements: Interest rate contracts – designated $ 1,600 $ — $ 3 $ 1,800 $ 1 $ — Interest rate swaps – not designated 5,806 104 16 5,660 74 35 Total subject to master netting arrangements 7,406 104 19 7,460 75 35 Not subject to master netting arrangements: Interest rate swaps – not designated 5,806 16 336 5,660 35 289 Interest rate lock commitments – not designated 323 3 — 239 5 — Forward delivery commitments – not designated 366 1 1 294 1 4 Credit risk contracts – not designated 762 — — 629 — — Total not subject to master netting arrangements 7,257 20 337 6,822 41 293 Total $ 14,663 $ 124 $ 356 $ 14,282 $ 116 $ 328 Certain derivative exchanges have enacted a rule change which in effect results in the legal characterization of variation margin payments for certain derivative contracts as settlement of the derivatives mark-to-market exposure and not collateral. Accordingly, we have changed our reporting of certain derivatives to record variation margin on trades cleared through these exchanges as settled. The daily settlement of the derivative exposure does not change or reset the contractual terms of the instrument. We adopted Reference Rate Reform (RRR) on October 1, 2020, and the guidance will be followed until the Update terminates on December 31, 2024. As of October 16, 2020, we changed our valuation methodology to reflect changes made by central clearinghouses that changed the discounting methodology and interest calculation of cash migration from overnight index swap (OIS) to SOFR for U.S. dollar cleared interest rate swaps to better reflect prices obtainable in the markets in which we transact. Certain of these valuation methodology changes were applied to eligible hedging relationships. Accordingly, we have updated our hedge documentation to reflect the election of certain expedients and exceptions related to our cash flow hedging programs. The change in valuation methodology was applied prospectively as a change in accounting estimate and did not have a material impact on our consolidated financial position or results of operations. Derivatives Designated as Hedging Instruments under GAAP Interest Rate Contracts. We entered into interest rate derivative agreements to modify the interest rate characteristics of certain commercial loans and certain of our FHLB advances from variable rate to fixed rate in order to reduce the impact of changes in future cash flows due to market interest rate changes. These agreements are designated as cash flow hedges, in the form of interest rate swaps and collars, hedging the exposure to variability in expected future cash flows. The derivative’s gain or loss, including any ineffectiveness, is initially reported as a component of other comprehensive income and subsequently reclassified into earnings in the same line item associated with the forecasted transaction when the forecasted transaction affects earnings. The following table shows amounts reclassified from AOCI: TABLE 10.2 Amount of Gain (Loss) Recognized in OCI on Derivatives Location of Gain (Loss) Reclassified from AOCI into Income Amount of Gain (Loss) Reclassified from AOCI into Income Six Months Ended Six Months Ended (in millions) 2024 2023 2024 2023 Derivatives in cash flow hedging relationships: Interest rate contracts $ (15) $ (13) Interest income (expense) $ (19) $ (9) Other income — — The following table represents gains (losses) recognized in the Consolidated Statements of Income on cash flow hedging relationships: TABLE 10.3 Six months ended June 30, 2024 2023 (in millions) Interest Income - Loans and Leases Interest Expense - Short-Term Borrowings Interest Income - Loans and Leases Interest Expense - Short-Term Borrowings Total amounts of income and expense line items presented in the Consolidated Statements of Income (the effects of cash flow hedges are included in these line items) $ 975 $ 60 $ 823 $ 32 The effects of cash flow hedging: Gain (loss) on cash flow hedging relationships: Interest rate contracts: Amount of gain (loss) reclassified from AOCI into net income (25) 6 (21) 12 As of June 30, 2024, the maximum length of time over which forecasted interest cash flows are hedged is 1.8 years. In the twelve months that follow June 30, 2024, we expect to reclassify from the amount currently reported in AOCI net derivative losses of $35.9 million ($27.8 million net of tax), in association with interest on the hedged loans and FHLB advances. This amount could differ from amounts actually recognized due to changes in interest rates, hedge de-designations, and the addition of other hedges subsequent to June 30, 2024. There were no components of derivative gains or losses excluded from the assessment of hedge effectiveness related to these cash flow hedges. Also, during the six months ended June 30, 2024 and 2023, there were no gains or losses from cash flow hedge derivatives reclassified to earnings because it became probable that the original forecasted transactions would not occur. Derivatives Not Designated as Hedging Instruments under GAAP A description of interest rate swaps, interest rate lock commitments, forward delivery commitments and credit risk contracts can be found in Note 16, "Derivative Instruments and Hedging Activities" in the Consolidated Financial Statements included in our 2023 Annual Report on Form 10-K filed with the SEC on February 26, 2024. Interest rate swap agreements with loan customers and with the offsetting counterparties are reported at fair value in other assets and other liabilities on the Consolidated Balance Sheets with any resulting gain or loss recorded in current period earnings as other income or other expense. Risk participation agreements sold with notional amounts totaling $603.9 million as of June 30, 2024 have remaining terms ranging from one month to seventeen years. Under these agreements, our maximum exposure assuming a customer defaults on their obligation to perform under certain derivative swap contracts with third parties would be $0.1 million at both June 30, 2024 and December 31, 2023. The fair values of risk participation agreements purchased and sold were $0.1 million and $0.1 million, respectively, at June 30, 2024 and $0.2 million and $0.1 million, respectively at December 31, 2023. The following table presents the effect of certain derivative financial instruments on the Consolidated Statements of Income: TABLE 10.4 Six Months Ended (in millions) Consolidated Statements of Income Location 2024 2023 Interest rate swaps Non-interest income - other $ — $ — Interest rate lock commitments Mortgage banking operations — — Forward delivery contracts Mortgage banking operations 4 3 Credit risk contracts Non-interest income - other — — Counterparty Credit Risk We are party to master netting arrangements with most of our swap derivative dealer counterparties. Collateral, usually marketable securities and/or cash, is exchanged between FNB and our counterparties, and is generally subject to thresholds and transfer minimums. For swap transactions that require central clearing, we post cash and securities to our clearing agency. Collateral positions are settled or valued daily, and adjustments to amounts received and pledged by us are made as appropriate to maintain proper collateralization for these transactions. Certain master netting agreements contain provisions that, if violated, could cause the counterparties to request immediate settlement or demand full collateralization under the derivative instrument. If we had breached our agreements with our derivative counterparties we would be required to settle our obligations under the agreements at the termination value and would be required to pay nothing as of June 30, 2024 or December 31, 2023, in excess of amounts previously posted as collateral with the respective counterparty. The following table presents a reconciliation of the net amounts of derivative assets and derivative liabilities presented in the Consolidated Balance Sheets to the net amounts that would result in the event of offset: TABLE 10.5 Amount Not Offset in the (in millions) Net Amount Financial Cash Net June 30, 2024 Derivative Assets Interest rate contracts: Not designated $ 104 $ — $ 103 $ 1 Total $ 104 $ — $ 103 $ 1 Derivative Liabilities Interest rate contracts: Designated $ 3 $ — $ 3 $ — Not designated 16 — 16 — Total $ 19 $ — $ 19 $ — December 31, 2023 Derivative Assets Interest rate contracts: Designated $ 1 $ — $ 1 $ — Not designated 74 — 74 — Total $ 75 $ — $ 75 $ — Derivative Liabilities Interest rate contracts: Not designated $ 35 $ — $ 35 $ — Total $ 35 $ — $ 35 $ —

COMMITMENTS, CREDIT RISK AND CO

COMMITMENTS, CREDIT RISK AND CONTINGENCIES	6 Months Ended
	Jun. 30, 2024
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS, CREDIT RISK AND CONTINGENCIES	COMMITMENTS, CREDIT RISK AND CONTINGENCIES We have commitments to extend credit and standby letters of credit that involve certain elements of credit risk in excess of the amount stated in the Consolidated Balance Sheets. Our exposure to credit loss in the event of non-performance by the customer is represented by the contractual amount of those instruments. The credit risk associated with commitments to extend credit and standby letters of credit is essentially the same as that involved in extending loans and leases to customers and is subject to normal credit policies. Since many of these commitments expire without being drawn upon, the total commitment amounts do not necessarily represent future cash flow requirements. Following is a summary of off-balance sheet credit risk information: TABLE 11.1 (in millions) June 30, December 31, Commitments to extend credit $ 14,103 $ 13,656 Standby letters of credit 253 257 At June 30, 2024, funding of 76.8% of the commitments to extend credit was dependent on the financial condition of the customer. We have the ability to withdraw such commitments at our discretion. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Based on management’s credit evaluation of the customer, collateral may be deemed necessary. Collateral requirements vary and may include accounts receivable, inventory, property, plant and equipment and income-producing commercial properties. Standby letters of credit are conditional commitments issued by us that may require payment at a future date. The credit risk involved in issuing letters of credit is actively monitored through review of the historical performance of our portfolios. Our AULC for commitments that are not unconditionally cancellable, which is included in other liabilities on the Consolidated Balance Sheets, was $21.8 million at June 30, 2024 and $21.5 million at December 31, 2023. Additional information relating to the AULC is provided in Note 5, "Allowance for Credit Losses on Loans and Leases" in the Notes to Consolidated Financial Statements. In addition to the above commitments, subordinated notes issued by FNB Financial Services, LP, a wholly-owned finance subsidiary, are fully and unconditionally guaranteed by FNB. These subordinated notes are included in the summaries of short-term borrowings and long-term borrowings in Note 9, “Borrowings” in the Notes to Consolidated Financial Statements. Other Legal Proceedings In the ordinary course of business, we may assert claims in legal proceedings against another party or parties, and likewise may be named as defendants in, or made parties to, pending and potential legal actions. Also, as regulated entities, we are subject to governmental and regulatory examinations, information-gathering requests, and may be subject to investigations and proceedings (both formal and informal). Such asserted or threatened claims, litigation, investigations, inquiries, regulatory and administrative proceedings typically entail matters that are considered incidental to the normal conduct of business. Claims for significant monetary damages may be asserted in many of these types of legal actions, while claims for disgorgement, reimbursement, restitution, penalties and/or other remedial actions or sanctions may be sought in regulatory matters. In these instances, if we determine that we have meritorious defenses, we will engage in an aggressive defense. However, if management determines, in consultation with counsel, that settlement of a matter is in the best interest of FNB and our shareholders, we may do so. It is inherently difficult to predict the eventual outcomes of such matters given their complexity and the particular facts and circumstances at issue in each of these matters. However, on the basis of our current knowledge and understanding, and advice of counsel, we do not believe that judgments, sanctions, settlement resolutions, regulatory actions, investigations, inquiries, settlements or orders, if any, that have arisen or may arise from these matters (either individually or in the aggregate, after giving effect to applicable reserves and insurance coverage) will have a material adverse effect on our financial position or liquidity, although they could potentially have a material effect on net income in a given period. In view of the inherent unpredictability of outcomes in litigation and governmental and regulatory matters, particularly where (i) the damages sought are indeterminate, (ii) the proceedings are in the early stages, or (iii) the matters involve novel legal theories or a large number of parties, as a matter of course, there is considerable uncertainty surrounding the timing or ultimate resolution of litigation and governmental and regulatory matters, including a possible eventual loss, financial or other commitments, fine, restitution, penalty, business or adverse reputational impact, if any, associated with each such matter. In accordance with applicable accounting guidance, we establish accruals for litigation and governmental and regulatory matters when those matters proceed to a stage where they present loss contingencies that are both probable and reasonably estimable. In such cases, there may be a possible exposure to loss in excess of any amounts accrued. We will continue to monitor such matters, including ongoing reviews, examinations, and investigations by banking regulatory agencies and other government authorities, for developments that could affect the amount of the accrual, and will adjust the accrual amount as appropriate. If the loss contingency in question is not both probable and reasonably estimable, we do not establish an accrual and the matter will continue to be monitored for any developments that would make the loss contingency both probable and reasonably estimable. We believe that our accruals for legal proceedings are appropriate and, in the aggregate, are not material to our consolidated financial position, although future accruals could have a material effect on net income in a given period. On February 5, 2024, we announced that Yadkin Bank and its successor by merger, FNBPA, reached a settlement with the DOJ and the State of North Carolina to resolve their fair lending concerns, which FNBPA disputes, related to the assessment of mortgage lending activities during a four-year period in the Winston-Salem and Charlotte, North Carolina markets that began prior to Yadkin’s merger with FNBPA in March 2017. The settlement includes FNBPA's commitment to provide $11.75 million in subsidies on mortgages and home equity loans originated in the Charlotte and Winston-Salem, North Carolina markets beginning in 2024, continuing until the full amount has been deployed. This subsidy amount is part of our existing, previously announced commitment to underserved communities, including the Winston-Salem and Charlotte markets. The settlement was not initiated through a referral by a federal bank regulatory agency or consumer complaint, and included no civil money penalties levied against FNBPA.

STOCK INCENTIVE PLANS

STOCK INCENTIVE PLANS	6 Months Ended
	Jun. 30, 2024
Share-Based Payment Arrangement [Abstract]
STOCK INCENTIVE PLANS	STOCK INCENTIVE PLANS Restricted Stock We issue restricted stock awards to key employees under our Incentive Compensation Plan (Plan). We issue time-based awards and performance-based awards under this Plan, both of which are based on a three-year vesting period. The grant date fair value of the time-based awards is equal to the price of our common stock on the grant date. The fair value of the performance-based awards is based on a Monte-Carlo simulation valuation of our common stock as of the grant date. The assumptions used for this valuation include stock price volatility, risk-free interest rate and dividend yield. We granted 1,249,783 and 1,354,017 restricted stock units during the six months ended June 30, 2024 and 2023, respectively, including 331,182 and 282,106 performance-based restricted stock units during those same periods, respectively. We have shareholder approval under the Plan to issue up to 14,000,000 shares of common stock, including 8,000,000 shares registered during the second quarter of 2024. As of June 30, 2024, we had 9,106,891 remaining shares available for awards under the Plan. The unvested restricted stock unit awards are eligible to receive cash dividends or dividend equivalents which are ultimately used to purchase additional shares of stock and are subject to forfeiture if the requisite service period is not completed or the specified performance criteria are not met. These awards are subject to certain accelerated vesting provisions upon retirement, death, disability or in the event of a change in control as defined in the award agreements. The following table summarizes the activity relating to restricted stock units during the periods indicated: TABLE 12.1 Six Months Ended June 30, 2024 2023 Units Weighted Units Weighted Unvested units outstanding at beginning of period 3,502,598 $ 12.89 4,821,182 $ 10.30 Granted 1,249,783 14.04 1,354,017 12.74 Net adjustment 341,857 — 306,917 8.43 Vested (1,499,097) 12.76 (2,303,266) 7.99 Forfeited/expired/canceled (27,777) 12.25 (578,493) 8.13 Dividend reinvestment — — 74,505 12.16 Unvested units outstanding at end of period 3,567,364 13.36 3,674,862 12.87 The following table provides certain information related to restricted stock units: TABLE 12.2 (in millions) Six Months Ended 2024 2023 Stock-based compensation expense $ 12 $ 13 Tax benefit related to stock-based compensation expense 3 3 Fair value of units vested 19 30 As of June 30, 2024, there was $15.6 million of unrecognized compensation cost related to unvested restricted stock units. The components of the restricted stock units as of June 30, 2024 are as follows: TABLE 12.3 (dollars in millions) Service- Performance- Total Unvested restricted stock units 2,614,032 953,332 3,567,364 Unrecognized compensation expense $ 15 $ 1 $ 16 Intrinsic value $ 36 $ 13 $ 49 Weighted average remaining life (in years) 1.96 1.72 1.89

INCOME TAXES

INCOME TAXES	6 Months Ended
	Jun. 30, 2024
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES Income Tax Expense Federal and state income tax expense and the statutory tax rate and the actual effective tax rate consist of the following: TABLE 13.1 Three Months Ended Six Months Ended (dollars in millions) 2024 2023 2024 2023 Current income taxes: Federal taxes $ 30 $ 36 $ 47 $ 67 State taxes 2 3 4 5 Total current income taxes 32 39 51 72 Deferred income taxes: Federal taxes 1 (3) 14 (1) State taxes 1 1 3 1 Total deferred income taxes 2 (2) 17 — Total income taxes $ 34 $ 37 $ 68 $ 72 Statutory federal tax rate 21.0 % 21.0 % 21.0 % 21.0 % Effective tax rate 21.6 20.5 21.6 20.0 Income tax expense was lower for the six months ended June 30, 2024 due to lower pre-tax earnings, partially offset by lower stock compensation vesting deductions, higher disallowance of FDIC premium deductions and higher levels of proportional amortization for certain tax credit investments resulting from the adoption of FASB ASU 2023-02 on January 1, 2024. The effective tax rate increased for the three months ended June 30, 2024 as a result of these offsetting items. Deferred Income Taxes Deferred income taxes reflect the net tax effects of temporary differences between the carrying amounts of assets and liabilities for financial reporting purposes and tax purposes. Deferred tax assets and liabilities are measured based on the enacted tax rates that will apply in the years in which the temporary differences are expected to be recovered or paid. Net deferred tax assets were $107.4 million and $120.8 million at June 30, 2024 and December 31, 2023, respectively.

OTHER COMPREHENSIVE INCOME (LOS

OTHER COMPREHENSIVE INCOME (LOSS)	6 Months Ended
	Jun. 30, 2024
Equity [Abstract]
OTHER COMPREHENSIVE INCOME (LOSS)	OTHER COMPREHENSIVE INCOME (LOSS) The following table presents changes in AOCI, net of tax, by component: TABLE 14.1 (in millions) Unrealized Unrealized Unrecognized Total Six Months Ended June 30, 2024 Balance at beginning of period $ (160) $ (33) $ (42) $ (235) Other comprehensive (loss) income before reclassifications (11) (12) — (23) Amounts reclassified from AOCI — 15 — 15 Net current period other comprehensive (loss) income (11) 3 — (8) Balance at end of period $ (171) $ (30) $ (42) $ (243) The amounts reclassified from AOCI related to debt securities AFS are included in net securities gains (losses) on the Consolidated Statements of Income, while the amounts reclassified from AOCI related to derivative instruments in cash flow hedge programs are generally included in interest income on loans and leases on the Consolidated Statements of Income. The tax (benefit) expense amounts reclassified from AOCI in connection with the debt securities AFS and derivative instruments reclassifications are included in income taxes on the Consolidated Statements of Income.

EARNINGS PER COMMON SHARE

EARNINGS PER COMMON SHARE	6 Months Ended
	Jun. 30, 2024
Earnings Per Share [Abstract]
EARNINGS PER COMMON SHARE	EARNINGS PER COMMON SHARE Basic earnings per common share is calculated by dividing net income available to common stockholders by the weighted average number of shares of common stock outstanding net of unvested shares of restricted stock. Diluted earnings per common share is calculated by dividing net income available to common stockholders by the weighted average number of shares of common stock outstanding, adjusted for the dilutive effect of potential common shares issuable for stock options and restricted shares, as calculated using the treasury stock method. Adjustments to the weighted average number of shares of common stock outstanding are made only when such adjustments dilute earnings per common share. The following table sets forth the computation of basic and diluted earnings per common share: TABLE 15.1 Three Months Ended Six Months Ended ( dollars in millions, except per share data) 2024 2023 2024 2023 Net income $ 123 $ 142 $ 245 $ 289 Less: Preferred stock dividends — 2 6 4 Net income available to common stockholders $ 123 $ 140 $ 239 $ 285 Basic weighted average common shares outstanding 361,754,312 360,124,415 361,500,357 360,489,630 Net effect of dilutive stock options and restricted stock 946,921 2,501,767 1,159,902 3,286,929 Diluted weighted average common shares outstanding 362,701,233 362,626,182 362,660,259 363,776,559 Earnings per common share: Basic $ 0.34 $ 0.39 $ 0.66 $ 0.79 Diluted $ 0.34 $ 0.39 $ 0.66 $ 0.78

CASH FLOW INFORMATION

CASH FLOW INFORMATION	6 Months Ended
	Jun. 30, 2024
Supplemental Cash Flow Elements [Abstract]
CASH FLOW INFORMATION	CASH FLOW INFORMATION Following is a summary of supplemental cash flow information: TABLE 16.1 Six Months Ended (in millions) 2024 2023 Interest paid on deposits and other borrowings $ 461 $ 238 Income taxes paid 26 67 Transfers of loans to other real estate owned 1 1 Loans transferred to portfolio from held for sale 12 26 We did not have any restricted cash as of June 30, 2024 and 2023.

BUSINESS SEGMENTS

BUSINESS SEGMENTS	6 Months Ended
	Jun. 30, 2024
Segment Reporting [Abstract]
BUSINESS SEGMENTS	BUSINESS SEGMENTS We operate in three reportable segments: Community Banking, Wealth Management and Insurance. • The Community Banking segment provides commercial and consumer banking services. Commercial banking solutions include corporate banking, small business banking, investment real estate financing, business credit, capital markets and lease financing. Consumer banking products and services include deposit products, mortgage lending, consumer lending and a complete suite of mobile and online banking services. • The Wealth Management segment provides a broad range of personal and corporate fiduciary services including the administration of decedent and trust estates. In addition, it offers various alternative products, including securities brokerage (under a third-party arrangement) and investment advisory services, mutual funds and annuities. • The Insurance segment includes a full-service insurance brokerage service offering all lines of commercial and personal insurance through major carriers. The Insurance segment also includes a reinsurer. The following table provides financial information for these segments of FNB. The information provided under the caption “Parent and Other” represents operations not considered to be reportable segments and/or general operating expenses of FNB, and includes the parent company, other non-bank subsidiaries and eliminations and adjustments to reconcile to the Consolidated Financial Statements. TABLE 17.1 (in millions) Community Wealth Insurance Parent and Consolidated At or for the Three Months Ended June 30, 2024 Interest income $ 555 $ — $ — $ 2 $ 557 Interest expense 233 — — 8 241 Net interest income 322 — — (6) 316 Provision for credit losses 20 — — — 20 Non-interest income 65 20 6 (3) 88 Non-interest expense (1) 199 14 6 3 222 Amortization of intangibles 5 — — — 5 Income tax expense (benefit) 36 1 — (3) 34 Net income (loss) 127 5 — (9) 123 Total assets 47,421 42 36 216 47,715 Total intangibles 2,503 9 25 — 2,537 At or for the Three Months Ended June 30, 2023 Interest income $ 483 $ — $ — $ 1 $ 484 Interest expense 147 — — 8 155 Net interest income 336 — — (7) 329 Provision for credit losses 19 — — — 19 Non-interest income 57 18 7 (1) 81 Non-interest expense (1) 187 13 5 2 207 Amortization of intangibles 5 — — — 5 Income tax expense (benefit) 39 1 1 (4) 37 Net income (loss) 143 4 1 (6) 142 Total assets 44,629 39 32 78 44,778 Total intangibles 2,521 9 26 — 2,556 (1) Excludes amortization of intangibles, which is presented separately. (in millions) Community Wealth Insurance Parent and Consolidated At or for the Six Months Ended June 30, 2024 Interest income $ 1,097 $ — $ — $ 3 $ 1,100 Interest expense 451 — — 14 465 Net interest income 646 — — (11) 635 Provision for credit losses 34 — — — 34 Non-interest income 127 40 13 (4) 176 Non-interest expense (1) 410 27 10 8 455 Amortization of intangibles 9 — — — 9 Income tax expense (benefit) 70 3 1 (6) 68 Net income (loss) 250 10 2 (17) 245 Total assets 47,421 42 36 216 47,715 Total intangibles 2,503 9 25 — 2,537 At or for the Six Months Ended June 30, 2023 Interest income $ 925 $ — $ — $ 3 $ 928 Interest expense 245 — — 17 262 Net interest income 680 — — (14) 666 Provision for credit losses 33 — — — 33 Non-interest income 112 36 14 (2) 160 Non-interest expense (1) 382 26 9 5 422 Amortization of intangibles 10 — — — 10 Income tax expense (benefit) 77 2 1 (8) 72 Net income (loss) 290 8 4 (13) 289 Total assets 44,629 39 32 78 44,778 Total intangibles 2,521 9 26 — 2,556 (1) Excludes amortization of intangibles, which is presented separately.

FAIR VALUE MEASUREMENTS

FAIR VALUE MEASUREMENTS	6 Months Ended
	Jun. 30, 2024
Fair Value Disclosures [Abstract]
FAIR VALUE MEASUREMENTS	FAIR VALUE MEASUREMENTS Refer to Note 26, "Fair Value Measurements" to the Consolidated Financial Statements included in our 2023 Annual Report on Form 10-K filed with the SEC on February 26, 2024 for a description of additional valuation methodologies for assets and liabilities measured at fair value on a recurring and non-recurring basis. The following table presents the balances of assets and liabilities measured at fair value on a recurring basis: TABLE 18.1 (in millions) Level 1 Level 2 Level 3 Total June 30, 2024 Assets Measured at Fair Value Debt securities available for sale U.S. Treasury $ 197 $ — $ — $ 197 U.S. government agencies — 67 — 67 U.S. government-sponsored entities — 298 — 298 Residential MBS: Agency MBS — 886 — 886 Agency collateralized mortgage obligations — 758 — 758 Agency commercial MBS — 1,092 — 1,092 States of the U.S. and political subdivisions (municipals) — 26 — 26 Other debt securities — 40 — 40 Total debt securities available for sale 197 3,167 — 3,364 Loans held for sale — 128 — 128 Loans receivable — — 47 47 Derivative financial instruments Trading — 120 — 120 Not for trading — 1 3 4 Total derivative financial instruments — 121 3 124 Total assets measured at fair value on a recurring basis $ 197 $ 3,416 $ 50 $ 3,663 Liabilities Measured at Fair Value Derivative financial instruments Trading $ — $ 353 $ — $ 353 Not for trading — 3 — 3 Total derivative financial instruments — 356 — 356 Total liabilities measured at fair value on a recurring basis $ — $ 356 $ — $ 356 (in millions) Level 1 Level 2 Level 3 Total December 31, 2023 Assets Measured at Fair Value Debt securities available for sale U.S. Treasury $ 420 $ — $ — $ 420 U.S. government agencies — 79 — 79 U.S. government-sponsored entities — 223 — 223 Residential MBS: Agency MBS — 752 — 752 Agency collateralized mortgage obligations — 832 — 832 Agency commercial MBS — 884 — 884 States of the U.S. and political subdivisions (municipals) — 27 — 27 Other debt securities — 37 — 37 Total debt securities available for sale 420 2,834 — 3,254 Loans held for sale — 150 — 150 Derivative financial instruments Trading — 109 — 109 Not for trading — 2 5 7 Total derivative financial instruments — 111 5 116 Total assets measured at fair value on a recurring basis $ 420 $ 3,095 $ 5 $ 3,520 Liabilities Measured at Fair Value Derivative financial instruments Trading $ — $ 324 $ — $ 324 Not for trading — 4 — 4 Total derivative financial instruments — 328 — 328 Total liabilities measured at fair value on a recurring basis $ — $ 328 $ — $ 328 The following table presents additional information about assets measured at fair value on a recurring basis and for which we have utilized Level 3 inputs to determine fair value: TABLE 18.2 (in millions) Other Loans Receivable Interest Total Six Months Ended June 30, 2024 Balance at beginning of period $ — $ — $ 5 $ 5 Purchases, issuances, sales and settlements: Issuances — — 3 3 Settlements — — (5) (5) Transfers into Level 3 — 47 — 47 Balance at end of period $ — $ 47 $ 3 $ 50 Year Ended December 31, 2023 Balance at beginning of period $ — $ — $ — $ — Purchases, issuances, sales and settlements: Issuances — — 6 6 Settlements — — (1) (1) Balance at end of period $ — $ — $ 5 $ 5 We review fair value hierarchy classifications on a quarterly basis. Changes in the observability of the valuation attributes may result in reclassification of certain financial assets or liabilities. Such reclassifications are reported as transfers in/out of Level 3 at fair value at the beginning of the period in which the changes occur. During the first six months of 2024, $47.3 million in loans receivable were measured using the fair value option at Level 3 on a recurring basis. There were no transfers of assets or liabilities between the hierarchy levels during the first six months of 2023. From time to time, we measure certain assets at fair value on a non-recurring basis. These adjustments to fair value usually result from the application of the lower of cost or fair value accounting or write-downs of individual assets. Valuation methodologies used to measure these fair value adjustments were described in Note 26, "Fair Value Measurements" to the Consolidated Financial Statements included in 2023 Annual Report on Form 10-K . For assets measured at fair value on a non-recurring basis still held at the Balance Sheet date, the following table provides the hierarchy level and the fair value of the related assets or portfolios: TABLE 18.3 (in millions) Level 1 Level 2 Level 3 Total June 30, 2024 Collateral dependent loans $ — $ — $ 35 $ 35 Other assets - MSRs — — 1 1 December 31, 2023 Collateral dependent loans $ — $ — $ 35 $ 35 Indirect installment loans held for sale — — 338 338 Other assets - MSRs — — 12 12 Other assets - SBA servicing asset — — 1 1 Other real estate owned — — 2 2 The fair value amounts for collateral dependent loans and OREO in the table above were estimated at a date during the six months or twelve months ended June 30, 2024 and December 31, 2023, respectively. Consequently, the fair value information presented is not necessarily as of the period’s end. Collateral dependent loans measured or re-measured at fair value on a non-recurring basis during the six months ended June 30, 2024 had a carrying amount of $34.8 million, which includes an allocated ACL of $7.3 million. The ACL includes a provision applicable to the current period fair value measurements of $7.1 million, which was included in provision for credit losses for the six months ended June 30, 2024. MSRs measured at fair value on a non-recurring basis had a carrying value of $0.7 million, and there was no valuation allowance as of June 30, 2024. The valuation allowance includes a provision of $0.2 million included in earnings for 2024. Fair Value of Financial Instruments Refer to Note 26, "Fair Value Measurements" to the Consolidated Financial Statements included in our 2023 Annual Report on Form 10-K filed with the SEC on February 26, 2024 for a description of methods and assumptions that were used to estimate the fair value of each financial instrument. The fair values of our financial instruments are as follows: TABLE 18.4 Fair Value Measurements (in millions) Carrying Fair Level 1 Level 2 Level 3 June 30, 2024 Financial Assets Cash and cash equivalents $ 1,880 $ 1,880 $ 1,880 $ — $ — Debt securities available for sale 3,364 3,364 197 3,167 — Debt securities held to maturity 3,893 3,532 — 3,532 — Net loans and leases, including loans held for sale 33,470 31,998 — 128 31,870 Loan servicing rights 67 79 — — 79 Derivative assets 124 124 — 121 3 Accrued interest receivable 178 178 178 — — Financial Liabilities Deposits 34,994 34,938 28,107 6,831 — Short-term borrowings 3,616 3,633 3,633 — — Long-term borrowings 2,016 2,043 — 1,274 769 Derivative liabilities 356 356 — 356 — Accrued interest payable 73 73 73 — — December 31, 2023 Financial Assets Cash and cash equivalents $ 1,576 $ 1,576 $ 1,576 $ — $ — Debt securities available for sale 3,254 3,254 420 2,834 — Debt securities held to maturity 3,911 3,593 — 3,593 — Net loans and leases, including loans held for sale 32,405 30,641 — 150 30,491 Loan servicing rights 61 73 — — 73 Derivative assets 116 116 — 111 5 Accrued interest receivable 160 160 160 — — Financial Liabilities Deposits 34,711 34,654 28,496 6,158 — Short-term borrowings 2,506 2,505 2,505 — — Long-term borrowings 1,971 1,928 — 1,192 736 Derivative liabilities 328 328 — 328 — Accrued interest payable 69 69 69 — —

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Pay vs Performance Disclosure
Net income	$ 123	$ 142	$ 245	$ 289

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Jun. 30, 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

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	6 Months Ended
	Jun. 30, 2024
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation Our accompanying Consolidated Financial Statements and these Notes to Consolidated Financial Statements (unaudited) include subsidiaries in which we have a controlling financial interest. We own and operate FNBPA, First National Trust Company, First National Investment Services Company, LLC, F.N.B. Investment Advisors, Inc., First National Insurance Agency, LLC, Bank Capital Services, LLC, F.N.B. Capital Corporation, LLC and Waubank Securities, LLC, and include results for each of these entities in the accompanying Consolidated Financial Statements. Companies in which we hold a controlling financial interest, or are a VIE in which we have the power to direct the activities of an entity that most significantly impact the entity’s economic performance and have an obligation to absorb losses or the right to receive benefits which could potentially be significant to the VIE, are consolidated. For a voting interest entity, a controlling financial interest is generally where we hold more than 50% of the outstanding voting shares. VIEs in which we do not hold the power to direct the activities of the entity that most significantly impact the entity’s economic performance or an obligation to absorb losses or the right to receive benefits which could potentially be significant to the VIE are not consolidated. Investments in companies that are not consolidated are accounted for using the equity method when we have the ability to exert significant influence or the cost method when we do not have the ability to exert significant influence. Investments in private investment partnerships that are accounted for under the equity method or the cost method are included in other assets and our proportional interest in the equity investments’ earnings are included in other non-interest income. Investment interests accounted for under the cost and equity methods are periodically evaluated for impairment. The accompanying interim unaudited Consolidated Financial Statements include all adjustments that are necessary, in the opinion of management, to fairly reflect our financial position and results of operations in accordance with GAAP. All significant intercompany balances and transactions have been eliminated. Certain prior period amounts have been reclassified to the current period presentation. Such reclassifications had no impact on our net income and stockholders' equity. Events occurring subsequent to June 30, 2024 have been evaluated for potential recognition or disclosure in the Consolidated Financial Statements through the date of the filing of the Consolidated Financial Statements with the SEC. Certain information and Note disclosures normally included in Consolidated Financial Statements prepared in accordance with GAAP have been condensed or omitted pursuant to the rules and regulations of the SEC. The interim operating results are not necessarily indicative of operating results we expect for the full year. These interim unaudited Consolidated Financial Statements should be read in conjunction with the audited Consolidated Financial Statements and Notes thereto included in our 2023 Annual Report on Form 10-K filed with the SEC on February 26, 2024.
Use of Estimates	Use of Estimates Our accounting and reporting policies conform with GAAP. The preparation of financial statements in conformity with GAAP requires us to make estimates and assumptions that affect the amounts reported in the Consolidated Financial Statements and accompanying Notes to Consolidated Financial Statements (unaudited). Actual results could materially differ from those estimates. Material estimates that are particularly susceptible to significant changes include the ACL, fair value of financial instruments, goodwill and other intangible assets and income taxes and deferred tax assets, which are listed in the critical accounting estimates. For a detailed description of our significant accounting policies and critical accounting estimates, see Note 1, "Summary of Significant Accounting Policies" and the "Application of Critical Accounting Policies" section in the MD&A, both in our 2023 Annual Report on Form 10-K .
Adoption of New Accounting Standards	Adoption of New Accounting Standards Effective January 1, 2024, we adopted the provision of ASU 2023-02, Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method , which permits reporting entities to make an accounting policy election to account for tax equity investments using the proportional amortization method if certain conditions are met. The election is to be made on a tax-credit-program-by-tax-credit-program basis and should be applied consistently to all investments within an elected tax credit program. Upon the adoption of ASU 2023-02, we elected to apply the proportional amortization method of accounting to our qualifying historic and new market tax credit investments. The proportional amortization method recognizes the amortized cost of the investment as a component of income tax expense on the consolidated statements of income and as a component of operating activities within other assets and other liabilities on the consolidated statements of cash flows. We historically applied proportional amortization to the majority of our LIHTC investments. LIHTCs that do not meet the requirements of the proportional amortization method are recognized using the equity method. See Note 8, "Variable Interest Entities" for additional information. The following table summarizes accounting pronouncements issued by the FASB that we recently adopted or will be adopting in the future. TABLE 2.1 Standard Description Financial Statements Impact Income Taxes ASU 2023-09, Income Taxes: Improvements to Income Tax Disclosures This Update requires public business entities to disclose additional categories of information about federal, state, and foreign income taxes in the tabular rate reconciliation table. Additionally, entities must provide more details regarding reconciling items in some categories if the items are equal to or greater than a specified quantitative threshold. This Update also requires all entities to annually disclose income taxes paid, net of refunds received, disaggregated by federal, state, and foreign taxes and further disaggregated by jurisdiction based on a specified quantitative threshold. This Update is to be applied using a prospective method with an option to apply it retrospectively for each period presented and will be effective as of January 1, 2025. Early adoption is permitted. We are currently evaluating the effect this Update will have on our consolidated financial statements, the related disclosures and our processes, systems, and controls related to disclosures. Standard Description Financial Statements Impact Segment Reporting ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosure This Update requires all public entities to disclose significant segment expenses and other segment items on an annual and interim basis and to provide in interim periods all disclosures about a reportable segment’s profit or loss and assets that are currently required in annual disclosures. This Update is to be applied using a retrospective method to all prior periods presented and is effective for annual periods beginning on January 1, 2024, and will be effective for interim periods beginning on January 1, 2025. Early adoption is permitted. We do not expect the adoption of this Update to materially impact our consolidated financial statements and we are currently evaluating the effect this Update will have on the related disclosures. Tax Equity Investments ASU 2023-02, Investments – Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method This Update expands the use of the proportional amortization method of accounting, previously only allowable for LIHTC investments, to equity investments in other tax credit structures that meet certain criteria. The Update also removed the specialized guidance for LIHTC investments that are not accounted for using the proportional amortization method or equity method and require that those investments are accounted for using Topic 321 regarding equity investments. This Update is to be applied using either a modified retrospective or a retrospective method and is effective as of January 1, 2024. Early adoption of this Update is permitted. We adopted this Update on January 1, 2024 on a modified retrospective basis for tax credit programs that are eligible to apply proportional amortization. As a result, we recorded a reduction of $0.5 million in retained earnings for the cumulative effect of the adoption.

NEW ACCOUNTING STANDARDS (Table

NEW ACCOUNTING STANDARDS (Tables)	6 Months Ended
	Jun. 30, 2024
Accounting Changes and Error Corrections [Abstract]
Schedule of New Accounting Pronouncements and Changes in Accounting Principles	The following table summarizes accounting pronouncements issued by the FASB that we recently adopted or will be adopting in the future. TABLE 2.1 Standard Description Financial Statements Impact Income Taxes ASU 2023-09, Income Taxes: Improvements to Income Tax Disclosures This Update requires public business entities to disclose additional categories of information about federal, state, and foreign income taxes in the tabular rate reconciliation table. Additionally, entities must provide more details regarding reconciling items in some categories if the items are equal to or greater than a specified quantitative threshold. This Update also requires all entities to annually disclose income taxes paid, net of refunds received, disaggregated by federal, state, and foreign taxes and further disaggregated by jurisdiction based on a specified quantitative threshold. This Update is to be applied using a prospective method with an option to apply it retrospectively for each period presented and will be effective as of January 1, 2025. Early adoption is permitted. We are currently evaluating the effect this Update will have on our consolidated financial statements, the related disclosures and our processes, systems, and controls related to disclosures. Standard Description Financial Statements Impact Segment Reporting ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosure This Update requires all public entities to disclose significant segment expenses and other segment items on an annual and interim basis and to provide in interim periods all disclosures about a reportable segment’s profit or loss and assets that are currently required in annual disclosures. This Update is to be applied using a retrospective method to all prior periods presented and is effective for annual periods beginning on January 1, 2024, and will be effective for interim periods beginning on January 1, 2025. Early adoption is permitted. We do not expect the adoption of this Update to materially impact our consolidated financial statements and we are currently evaluating the effect this Update will have on the related disclosures. Tax Equity Investments ASU 2023-02, Investments – Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method This Update expands the use of the proportional amortization method of accounting, previously only allowable for LIHTC investments, to equity investments in other tax credit structures that meet certain criteria. The Update also removed the specialized guidance for LIHTC investments that are not accounted for using the proportional amortization method or equity method and require that those investments are accounted for using Topic 321 regarding equity investments. This Update is to be applied using either a modified retrospective or a retrospective method and is effective as of January 1, 2024. Early adoption of this Update is permitted. We adopted this Update on January 1, 2024 on a modified retrospective basis for tax credit programs that are eligible to apply proportional amortization. As a result, we recorded a reduction of $0.5 million in retained earnings for the cumulative effect of the adoption.

SECURITIES (Tables)

SECURITIES (Tables)	6 Months Ended
	Jun. 30, 2024
Investments, Debt and Equity Securities [Abstract]
Schedule of Amortized Cost and Fair Value of Securities Available for Sale	The amortized cost and fair value of AFS debt securities are presented in the table below. There was no ACL associated with the AFS portfolio at June 30, 2024 and December 31, 2023. Accrued interest receivable on AFS debt securities totaled $13.3 million at June 30, 2024 and $9.6 million at December 31, 2023, and is excluded from the estimate of credit losses and assessed separately in other assets in the Consolidated Balance Sheets. Accordingly, we have excluded accrued interest receivable from both the fair value and amortized cost basis of AFS debt securities. TABLE 3.1 (in millions) Amortized Gross Gross Fair Debt Securities AFS: June 30, 2024 U.S. Treasury $ 199 $ — $ (2) $ 197 U.S. government agencies 67 — — 67 U.S. government-sponsored entities 301 1 (4) 298 Residential MBS: Agency MBS 951 — (65) 886 Agency collateralized mortgage obligations 871 — (113) 758 Agency commercial MBS 1,127 3 (38) 1,092 States of the U.S. and political subdivisions (municipals) 28 — (2) 26 Other debt securities 41 — (1) 40 Total debt securities AFS $ 3,585 $ 4 $ (225) $ 3,364 (in millions) Amortized Gross Gross Fair Debt Securities AFS: December 31, 2023 U.S. Treasury $ 422 $ — $ (2) $ 420 U.S. government agencies 78 1 — 79 U.S. government-sponsored entities 227 — (4) 223 Residential MBS: Agency MBS 814 — (62) 752 Agency collateralized mortgage obligations 946 — (114) 832 Agency commercial MBS 905 9 (30) 884 States of the U.S. and political subdivisions (municipals) 30 — (3) 27 Other debt securities 38 — (1) 37 Total debt securities AFS $ 3,460 $ 10 $ (216) $ 3,254
Schedule of Amortized Cost and Fair Value of Securities Held to Maturity	The amortized cost and fair value of HTM debt securities are presented in the following table. The ACL for the HTM portfolio was $0.27 million and $0.28 million at June 30, 2024 and December 31, 2023, respectively. Accrued interest receivable on HTM debt securities totaled $14.1 million and $14.7 million at June 30, 2024 and December 31, 2023, respectively, and is excluded from the estimate of credit losses and assessed separately in other assets in the Consolidated Balance Sheets. Accordingly, we have excluded accrued interest receivable from both the fair value and amortized cost basis of HTM debt securities. TABLE 3.2 (in millions) Amortized Gross Gross Fair Debt Securities HTM: June 30, 2024 U.S. Treasury $ 1 $ — $ — $ 1 U.S. government agencies 1 — — 1 U.S. government-sponsored entities 28 — — 28 Residential MBS: Agency MBS 977 1 (106) 872 Agency collateralized mortgage obligations 769 — (108) 661 Agency commercial MBS 1,094 2 (50) 1,046 States of the U.S. and political subdivisions (municipals) 1,007 — (98) 909 Other debt securities 16 — (2) 14 Total debt securities HTM $ 3,893 $ 3 $ (364) $ 3,532 (in millions) Amortized Gross Gross Fair Debt Securities HTM: December 31, 2023 U.S. government agencies $ 1 $ — $ — $ 1 U.S. government-sponsored entities 68 — — 68 Residential MBS: Agency MBS 1,057 2 (101) 958 Agency collateralized mortgage obligations 824 — (104) 720 Agency commercial MBS 929 4 (43) 890 States of the U.S. and political subdivisions (municipals) 1,017 2 (77) 942 Other debt securities 15 — (1) 14 Total debt securities HTM $ 3,911 $ 8 $ (326) $ 3,593
Schedule of Amortized Cost and Fair Value of Securities, by Contractual Maturities	As of June 30, 2024, the amortized cost and fair value of debt securities, by contractual maturities, were as follows: TABLE 3.3 Available for Sale Held to Maturity (in millions) Amortized Fair Amortized Fair Due in one year or less $ 112 $ 110 $ 3 $ 3 Due after one year but within five years 461 456 86 82 Due after five years but within ten years 33 32 224 207 Due after ten years 30 30 740 661 636 628 1,053 953 Residential MBS: Agency MBS 951 886 977 872 Agency collateralized mortgage obligations 871 758 769 661 Agency commercial MBS 1,127 1,092 1,094 1,046 Total debt securities $ 3,585 $ 3,364 $ 3,893 $ 3,532
Schedule of Securities Pledged as Collateral	Following is information relating to securities pledged: TABLE 3.4 (dollars in millions) June 30, December 31, Securities pledged (carrying value): To secure public deposits, trust deposits and for other purposes as required by law $ 5,805 $ 6,190 As collateral for short-term borrowings 225 250 Securities pledged as a percent of total securities 83.1 % 89.9 %
Schedule of Fair Values and Unrealized Losses of Impaired Securities, Segregated by Length of Impairment	Following are summaries of the fair values of AFS debt securities in an unrealized loss position for which an ACL has not been recorded, segregated by security type and length of time in a continuous loss position: TABLE 3.5 Less than 12 Months 12 Months or More Total (dollars in millions) # Fair Unrealized # Fair Unrealized # Fair Unrealized Debt Securities AFS June 30, 2024 U.S. Treasury 1 $ 49 $ — 2 $ 74 $ (2) 3 $ 123 $ (2) U.S. government agencies — — — 13 31 — 13 31 — U.S. government-sponsored entities 3 74 — 7 123 (4) 10 197 (4) Residential MBS: Agency MBS 6 179 (1) 104 659 (64) 110 838 (65) Agency collateralized mortgage obligations — — — 69 758 (113) 69 758 (113) Agency commercial MBS 16 494 (5) 20 361 (33) 36 855 (38) States of the U.S. and political subdivisions (municipals) — — — 12 26 (2) 12 26 (2) Other debt securities 1 5 — 7 18 (1) 8 23 (1) Total 27 $ 801 $ (6) 234 $ 2,050 $ (219) 261 $ 2,851 $ (225) Less than 12 Months 12 Months or More Total (dollars in millions) # Fair Unrealized # Fair Unrealized # Fair Unrealized Debt Securities AFS December 31, 2023 U.S. Treasury — $ — $ — 2 $ 73 $ (2) 2 $ 73 $ (2) U.S. government agencies 2 4 — 12 36 — 14 40 — U.S. government-sponsored entities 1 25 — 7 123 (4) 8 148 (4) Residential MBS: Agency MBS — — — 104 750 (62) 104 750 (62) Agency collateralized mortgage obligations — — — 71 832 (114) 71 832 (114) Agency commercial MBS 1 32 — 20 377 (30) 21 409 (30) States of the U.S. and political subdivisions (municipals) — — — 13 27 (3) 13 27 (3) Other debt securities 2 9 — 7 17 (1) 9 26 (1) Total 6 $ 70 $ — 236 $ 2,235 $ (216) 242 $ 2,305 $ (216)

LOANS AND LEASES (Tables)

LOANS AND LEASES (Tables)	6 Months Ended
	Jun. 30, 2024
Receivables [Abstract]
Schedule of Loans and Leases, Net of Unearned Income	Following is a summary of total loans and leases, net of unearned income: TABLE 4.1 (in millions) June 30, 2024 December 31, 2023 Commercial real estate $ 12,664 $ 12,305 Commercial and industrial 7,597 7,482 Commercial leases 683 599 Other 145 110 Total commercial loans and leases 21,089 20,496 Direct installment 2,700 2,741 Residential mortgages 7,459 6,640 Indirect installment 1,188 1,149 Consumer lines of credit 1,321 1,297 Total consumer loans 12,668 11,827 Total loans and leases, net of unearned income $ 33,757 $ 32,323
Schedule of Certain Information Relating to Commercial Real Estate Loans	The following table shows occupancy information relating to commercial real estate loans: TABLE 4.2 (dollars in millions) June 30, December 31, Commercial real estate: Percent owner-occupied 29.5 % 29.0 % Percent non-owner-occupied 70.5 71.0
Schedule of Loan, Credit Quality Indicators	We use an internal risk rating assigned to a commercial loan or lease at origination, summarized below. TABLE 4.3 Rating Category Definition Pass in general, the condition of the borrower and the performance of the loan is satisfactory or better Special Mention in general, the condition of the borrower has deteriorated, requiring an increased level of monitoring Substandard in general, the condition of the borrower has significantly deteriorated and the performance of the loan could further deteriorate if deficiencies are not corrected Doubtful in general, the condition of the borrower has significantly deteriorated and the collection in full of both principal and interest is highly questionable or improbable
Schedule of Financing Receivables, Originated Year	The following table summarizes the designated loan rating category by loan class including term loans on an amortized cost basis by origination year and year-to-date gross charge-offs by originating year: TABLE 4.4 June 30, 2024 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Total (in millions) COMMERCIAL Commercial Real Estate: Risk Rating: Pass $ 708 $ 1,570 $ 2,133 $ 2,187 $ 1,338 $ 3,515 $ 176 $ 11,627 Special Mention 1 14 155 81 140 241 35 667 Substandard 6 16 56 73 20 196 3 370 Total commercial real estate 715 1,600 2,344 2,341 1,498 3,952 214 12,664 Commercial real estate current period gross charge-offs — 0.3 0.6 0.3 0.1 9.0 — 10.3 Commercial and Industrial: Risk Rating: Pass 490 1,360 1,169 671 466 753 2,061 6,970 Special Mention 1 31 37 119 14 70 36 308 Substandard 1 43 20 50 6 81 118 319 Total commercial and industrial 492 1,434 1,226 840 486 904 2,215 7,597 Commercial and industrial current period gross charge-offs — 0.5 1.0 1.0 0.9 5.2 — 8.6 Commercial Leases: Risk Rating: Pass 179 207 121 69 36 48 — 660 Special Mention — 1 — — — 1 — 2 Substandard — 7 2 5 6 1 — 21 Total commercial leases 179 215 123 74 42 50 — 683 Commercial leases current period gross charge-offs — — — — — 0.2 — 0.2 Other Commercial: Risk Rating: Pass 8 54 — — — 6 77 145 Total other commercial 8 54 — — — 6 77 145 Other commercial current period gross charge-offs — — — — — 1.9 — 1.9 Total commercial loans and leases 1,394 3,303 3,693 3,255 2,026 4,912 2,506 21,089 June 30, 2024 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Total (in millions) CONSUMER Direct Installment: Current 165 310 667 732 366 447 — 2,687 Past due — 1 1 1 1 9 — 13 Total direct installment 165 311 668 733 367 456 — 2,700 Direct installment current period gross charge-offs — 0.1 0.1 0.1 — 0.3 — 0.6 Residential Mortgages: Current 918 1,499 1,642 1,469 763 1,109 1 7,401 Past due 1 8 6 6 3 34 — 58 Total residential mortgages 919 1,507 1,648 1,475 766 1,143 1 7,459 Residential mortgages current period gross charge-offs — 0.1 — — — 0.1 — 0.2 Indirect Installment: Current 256 269 323 188 72 60 — 1,168 Past due — 3 7 7 2 1 — 20 Total indirect installment 256 272 330 195 74 61 — 1,188 Indirect installment current period gross charge-offs — 0.8 2.5 1.6 0.3 0.2 — 5.4 Consumer Lines of Credit: Current 5 34 56 13 3 117 1,078 1,306 Past due — — 1 1 — 11 2 15 Total consumer lines of credit 5 34 57 14 3 128 1,080 1,321 Consumer lines of credit current period gross charge-offs — — 0.1 — — 0.5 — 0.6 Total consumer loans 1,345 2,124 2,703 2,417 1,210 1,788 1,081 12,668 Total loans and leases $ 2,739 $ 5,427 $ 6,396 $ 5,672 $ 3,236 $ 6,700 $ 3,587 $ 33,757 Total charge-offs $ — $ 1.8 $ 4.3 $ 3.0 $ 1.3 $ 17.4 $ — $ 27.8 December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total (in millions) COMMERCIAL Commercial Real Estate: Risk Rating: Pass $ 1,508 $ 2,133 $ 2,298 $ 1,449 $ 1,131 $ 2,711 $ 230 $ 11,460 Special Mention 10 66 76 136 105 197 5 595 Substandard 5 27 27 13 59 104 15 250 Total commercial real estate 1,523 2,226 2,401 1,598 1,295 3,012 250 12,305 Commercial real estate current period gross charge-offs 0.2 0.4 0.4 0.7 0.2 10.5 — 12.4 Commercial and Industrial: Risk Rating: Pass 1,509 1,369 844 575 370 585 1,773 7,025 Special Mention 12 3 56 2 12 35 35 155 Substandard 34 26 62 9 24 58 89 302 Total commercial and industrial 1,555 1,398 962 586 406 678 1,897 7,482 Commercial and industrial current period gross charge-offs 0.1 0.3 1.0 1.0 2.2 46.6 — 51.2 Commercial Leases: Risk Rating: Pass 247 134 82 47 24 41 — 575 Special Mention — 1 — — — 1 — 2 Substandard 7 3 4 7 1 — — 22 Total commercial leases 254 138 86 54 25 42 — 599 Commercial leases current period gross charge-offs — — — — — — — — Other Commercial: Risk Rating: Pass 39 — — — — 8 63 110 Total other commercial 39 — — — — 8 63 110 Other commercial current period gross charge-offs — — — — — 4.5 — 4.5 Total commercial loans and leases 3,371 3,762 3,449 2,238 1,726 3,740 2,210 20,496 December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total (in millions) CONSUMER Direct Installment: Current 340 712 784 392 136 364 — 2,728 Past due — 1 — 1 1 10 — 13 Total direct installment 340 713 784 393 137 374 — 2,741 Direct installment current period gross charge-offs — 0.2 0.1 0.1 — 0.2 — 0.6 Residential Mortgages: Current 1,421 1,686 1,516 799 343 819 1 6,585 Past due 3 6 5 3 3 35 — 55 Total residential mortgages 1,424 1,692 1,521 802 346 854 1 6,640 Residential mortgages current period gross charge-offs — — — — — 0.7 — 0.7 Indirect Installment: Current 311 387 238 100 42 49 — 1,127 Past due 2 8 8 2 1 1 — 22 Total indirect installment 313 395 246 102 43 50 — 1,149 Indirect installment current period gross charge-offs 0.4 4.3 3.7 0.6 0.3 1.4 — 10.7 Consumer Lines of Credit: Current 38 61 14 2 3 117 1,044 1,279 Past due — 1 1 — — 13 3 18 Total consumer lines of credit 38 62 15 2 3 130 1,047 1,297 Consumer lines of credit current period gross charge-offs 0.1 — — — — 0.9 — 1.0 Total consumer loans 2,115 2,862 2,566 1,299 529 1,408 1,048 11,827 Total loans and leases $ 5,486 $ 6,624 $ 6,015 $ 3,537 $ 2,255 $ 5,148 $ 3,258 $ 32,323 Total charge-offs $ 0.8 $ 5.2 $ 5.2 $ 2.4 $ 2.7 $ 64.8 $ — $ 81.1
Schedule of Age Analysis of Past Due Loans, by Class	The following table provides an analysis of the aging of loans by class. TABLE 4.5 (in millions) 30-89 Days > 90 Days Past Due and Still Accruing Non- Total Current Total Non-accrual with No ACL June 30, 2024 Commercial real estate $ 10 $ — $ 33 $ 43 $ 12,621 $ 12,664 $ 19 Commercial and industrial 9 — 45 54 7,543 7,597 19 Commercial leases 2 — 3 5 678 683 — Other 3 1 2 6 139 145 — Total commercial loans and leases 24 1 83 108 20,981 21,089 38 Direct installment 7 1 5 13 2,687 2,700 — Residential mortgages 39 7 12 58 7,401 7,459 — Indirect installment 18 — 2 20 1,168 1,188 — Consumer lines of credit 7 2 6 15 1,306 1,321 — Total consumer loans 71 10 25 106 12,562 12,668 — Total loans and leases $ 95 $ 11 $ 108 $ 214 $ 33,543 $ 33,757 $ 38 (in millions) 30-89 Days > 90 Days Past Due and Still Accruing Non- Total Current Total Non-accrual with No ACL December 31, 2023 Commercial real estate $ 21 $ — $ 42 $ 63 $ 12,242 $ 12,305 $ 18 Commercial and industrial 9 — 39 48 7,434 7,482 7 Commercial leases 2 — 3 5 594 599 — Other 1 1 — 2 108 110 — Total commercial loans and leases 33 1 84 118 20,378 20,496 25 Direct installment 7 1 5 13 2,728 2,741 — Residential mortgages 38 7 10 55 6,585 6,640 — Indirect installment 19 1 2 22 1,127 1,149 — Consumer lines of credit 10 2 6 18 1,279 1,297 — Total consumer loans 74 11 23 108 11,719 11,827 — Total loans and leases $ 107 $ 12 $ 107 $ 226 $ 32,097 $ 32,323 $ 25
Schedule of Non-Performing Assets	Following is a summary of non-performing assets: TABLE 4.6 (dollars in millions) June 30, December 31, Non-accrual loans $ 108 $ 107 Total non-performing loans and leases 108 107 Other real estate owned 3 3 Total non-performing assets $ 111 $ 110 Asset quality ratios: Non-performing loans and leases / total loans and leases 0.32 % 0.33 % Non-performing assets plus 90 days or more past due / total loans and leases plus OREO 0.36 0.38
Schedule of Financing Receivable, Modified	The following table shows the amortized cost basis at the end of the reporting period of the loans modified during the period to borrowers experiencing financial difficulty, disaggregated by class of financing receivable, type of concession granted and the financial effect of the modifications made to borrowers experiencing financial difficulty: TABLE 4.7 (dollars in millions) Amortized Cost Basis % of Total Class of Financing Receivable Financial Effect Three Months Ended June 30, 2024 Term Extension Direct installment $ 0.7 0.03 % The modified loans had an average increase in term of 41 months extending the maturity date. Residential mortgages 3.4 0.05 The modified loans had an average increase in term of 24 months extending the maturity date. Consumer lines of credit 0.5 0.04 The modified loans had an average increase in term of 162 months extending the maturity date. Total 4.6 Term Extension and Rate Reduction Residential mortgages 0.2 — Multiple modifications were made with no material financial effect. Consumer lines of credit 0.2 0.02 Multiple modifications were made with no material financial effect. Total 0.4 Other Commercial real estate 0.1 — 3 to 9 month payment deferrals with no income being earned on these loans. Total 0.1 Total Outstanding Modified $ 5.1 (dollars in millions) Amortized Cost Basis % of Total Class of Financing Receivable Financial Effect Six Months Ended June 30, 2024 Term Extension Direct installment $ 0.8 0.03 % The modified loans had an average increase in term of 61 months, extending the maturity date. Residential mortgages 4.1 0.05 The modified loans had an average increase in term of 28 months, extending the maturity date. Consumer lines of credit 1.0 0.08 The modified loans had an average increase in term of 208 months, extending the maturity date. Total 5.9 Rate Reduction Residential mortgages 0.1 — The term was extended, with a weighted average yield reduction of 100 basis points. Total 0.1 Term Extension and Rate Reduction Commercial real estate 0.9 0.01 Multiple modifications were made with no material financial effect. Residential mortgages 0.8 0.01 Multiple modifications were made with no material financial effect. Consumer lines of credit 0.2 0.02 Multiple modifications were made with no material financial effect. Total 1.9 Balloon Payment Commercial real estate 0.6 — Multiple modifications were made with no material financial effect. Total 0.6 Other Commercial real estate 4.2 0.03 3 to 12 month payment deferrals with no income being earned on these loans. Commercial and industrial 0.6 0.01 Multiple modifications were made with no material financial effect. Total 4.8 Total Outstanding Modified $ 13.3 (dollars in millions) Amortized Cost Basis % of Total Class of Financing Receivable Financial Effect Three Months Ended June 30, 2023 Term Extension Commercial real estate $ 11.2 0.10 % The modified loans had an average increase in term of 22 months, extending the maturity date. Direct installment 0.3 0.01 The repayment on the loans modified were extended, lowering the monthly repayment. Residential mortgages 1.5 0.02 The modified loans had an average increase in term of 138 months, extending the maturity date. Total 13.0 Term Extension and Rate Reduction Commercial and industrial 0.1 — The term was extended, with a weighted average yield reduction of 487 basis points. Direct installment 0.2 0.01 The modified loans had an average increase in term of 445 months, extending the maturity date. Residential mortgages 0.4 0.01 The modified loans had an average increase in term of 151 months, extending the maturity date. Consumer lines of credit 0.6 0.05 The term was extended, with a weighted average yield reduction of 326 basis points. Total 1.3 Other Consumer lines of credit 0.2 0.02 Multiple modifications were made with no material financial effect. Total 0.2 Total Outstanding Modified $ 14.5 (dollars in millions) Amortized Cost Basis % of Total Class of Financing Receivable Financial Effect Six Months Ended June 30, 2023 Term Extension Commercial real estate $ 11.5 0.10 % The modified loans had an average increase in term of 22 months, extending the maturity date. Commercial and industrial 2.3 0.03 The modified loans had an average increase in term of 12 months, extending the maturity date. Direct installment 0.4 0.01 The repayment on the loans modified were extended, lowering the monthly repayment. Residential mortgages 1.6 0.03 The modified loans had an average increase in term of 141 months, extending the maturity date. Consumer lines of credit 0.2 0.02 The repayment on the loans modified was extended, lowering the monthly repayment. Total 16.0 Term Extension and Rate Reduction Commercial and industrial 0.2 — The term was extended, with a weighted average yield reduction of 487 basis points. Direct installment 0.3 0.01 The modified loans had an average increase in term of 363 months, extending the maturity date. Residential mortgages 0.7 0.01 The term was extended, with a weighted average yield reduction of 278 basis points. Consumer lines of credit 0.6 0.05 The term was extended, with a weighted average yield reduction of 326 basis points. Total 1.8 Other Commercial real estate 0.3 — Multiple modifications were made with no material financial effect. Residential mortgages 0.1 — Multiple modifications were made with no material financial effect. Consumer lines of credit 0.2 0.02 Multiple modifications were made with no material financial effect. Total 0.6 Total Outstanding Modified $ 18.4 We closely monitor the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of our modification efforts. The following table depicts the performance of loans that have been modified in the last 12 months: TABLE 4.9 Payment status - amortization cost basis: (in millions) Current 30-89 Days Past Due 90+ Days Past Due June 30, 2024 Commercial real estate $ 14.8 $ — $ — Commercial and industrial 18.5 — — Total commercial loans and leases 33.3 — — Direct installment 1.3 0.8 — Residential mortgages 3.3 2.9 1.2 Consumer lines of credit 1.6 0.4 — Total consumer loans 6.2 4.1 1.2 Total $ 39.5 $ 4.1 $ 1.2 (in millions) Current 30-89 Days Past Due 90+ Days Past Due June 30, 2023 Commercial real estate $ 11.9 $ — $ — Commercial and industrial 1.7 0.8 — Total commercial loans and leases 13.6 0.8 — Direct installment 0.6 0.1 — Residential mortgages 1.8 0.5 — Consumer lines of credit 1.0 — — Total consumer loans 3.4 0.6 — Total $ 17.0 $ 1.4 $ —
Schedule of Financing Receivable, Modified, Subsequent Default	Following is a summary of loans modified in a manner that grants a concession to a borrower experiencing financial difficulties, by class, for which there was a payment default, excluding loans that have been paid off and/or sold. Default occurs when a loan is 90 days or more past due or in non-accrual and is within 12 months of restructuring. TABLE 4.8 Amortized cost basis of modified financing receivables that subsequently defaulted: (in millions) Term Extension Term Extension and Rate Reduction Balloon Payment Other Total Outstanding Modified Three Months Ended June 30, 2024 Commercial real estate $ 0.4 $ — $ — $ 0.2 $ 0.6 Commercial and industrial — — — 0.9 0.9 Total commercial loans and leases 0.4 — — 1.1 1.5 Residential mortgages 1.5 — — — 1.5 Total consumer loans 1.5 — — — 1.5 Total $ 1.9 $ — $ — $ 1.1 $ 3.0 Six Months Ended June 30, 2024 Commercial real estate $ 0.7 $ 0.9 $ 0.6 $ 8.8 $ 11.0 Commercial and industrial 20.3 0.2 — 1.6 22.1 Total commercial loans and leases 21.0 1.1 0.6 10.4 33.1 Residential mortgages 1.7 — — — 1.7 Total consumer loans 1.7 — — — 1.7 Total $ 22.7 $ 1.1 $ 0.6 $ 10.4 $ 34.8 (in millions) Term Extension Term Extension and Rate Reduction Other Total Outstanding Modified Three Months Ended June 30, 2023 Commercial real estate $ 0.4 $ — $ 0.1 $ 0.5 Commercial and industrial — 0.1 — 0.1 Total commercial loans and leases 0.4 0.1 0.1 0.6 Total $ 0.4 $ 0.1 $ 0.1 $ 0.6 Six Months Ended June 30, 2023 Commercial real estate $ 0.4 $ — $ 0.7 $ 1.1 Commercial and industrial 1.5 0.2 — 1.7 Total commercial loans and leases 1.9 0.2 0.7 2.8 Residential mortgages — 0.3 — 0.3 Consumer lines of credit 0.1 — — 0.1 Total consumer loans 0.1 0.3 — 0.4 Total $ 2.0 $ 0.5 $ 0.7 $ 3.2

ALLOWANCE FOR CREDIT LOSSES O_2

ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LEASES (Tables)	6 Months Ended
	Jun. 30, 2024
Receivables [Abstract]
Schedule of Changes in Allowance for Credit Losses by Loan and Lease Class	Following is a summary of changes in the ACL, by loan and lease class: TABLE 5.1 (in millions) Balance at Charge- Recoveries Net Provision for Credit Losses Balance at Three Months Ended June 30, 2024 Commercial real estate $ 161.9 $ (3.2) $ 0.8 $ (2.4) $ (1.8) $ 157.7 Commercial and industrial 86.9 (4.7) 1.7 (3.0) 9.6 93.5 Commercial leases 22.4 — 0.1 0.1 0.4 22.9 Other 4.1 (1.0) 0.6 (0.4) 0.3 4.0 Total commercial loans and leases 275.3 (8.9) 3.2 (5.7) 8.5 278.1 Direct installment 30.6 (0.4) 0.2 (0.2) 0.5 30.9 Residential mortgages 79.3 (0.2) 0.1 (0.1) 9.0 88.2 Indirect installment 12.5 (2.5) 0.9 (1.6) 2.2 13.1 Consumer lines of credit 8.6 (0.3) 0.1 (0.2) 0.1 8.5 Total consumer loans 131.0 (3.4) 1.3 (2.1) 11.8 140.7 Total allowance for credit losses on loans and leases 406.3 (12.3) 4.5 (7.8) 20.3 418.8 Allowance for unfunded loan commitments 21.9 — — — (0.1) 21.8 Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments $ 428.2 $ (12.3) $ 4.5 $ (7.8) $ 20.2 $ 440.6 Six Months Ended June 30, 2024 Commercial real estate $ 166.6 $ (10.3) $ 1.2 $ (9.1) $ 0.2 $ 157.7 Commercial and industrial 87.8 (8.6) 2.5 (6.1) 11.8 93.5 Commercial leases 21.2 (0.2) 0.1 (0.1) 1.8 22.9 Other 3.7 (1.9) 0.9 (1.0) 1.3 4.0 Total commercial loans and leases 279.3 (21.0) 4.7 (16.3) 15.1 278.1 Direct installment 33.8 (0.6) 0.4 (0.2) (2.7) 30.9 Residential mortgages 70.5 (0.2) 0.1 (0.1) 17.8 88.2 Indirect installment 12.8 (5.4) 1.5 (3.9) 4.2 13.1 Consumer lines of credit 9.2 (0.6) 0.5 (0.1) (0.6) 8.5 Total consumer loans 126.3 (6.8) 2.5 (4.3) 18.7 140.7 Total allowance for credit losses on loans and leases 405.6 (27.8) 7.2 (20.6) 33.8 418.8 Allowance for unfunded loan commitments 21.5 — — — 0.3 21.8 Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments $ 427.1 $ (27.8) $ 7.2 $ (20.6) $ 34.1 $ 440.6 (in millions) Balance at Charge- Recoveries Net Provision Balance at Three Months Ended June 30, 2023 Commercial real estate $ 159.2 $ (1.8) $ 1.3 $ (0.5) $ (4.5) $ 154.2 Commercial and industrial 101.7 (5.5) 0.7 (4.8) 17.4 114.3 Commercial leases 14.8 — — — 0.4 15.2 Other 4.0 (1.6) 0.2 (1.4) 1.2 3.8 Total commercial loans and leases 279.7 (8.9) 2.2 (6.7) 14.5 287.5 Direct installment 36.2 (0.1) 0.1 — (0.6) 35.6 Residential mortgages 60.4 (0.2) — (0.2) 3.2 63.4 Indirect installment 16.6 (2.2) 0.5 (1.7) 1.7 16.6 Consumer lines of credit 10.5 (0.3) 0.2 (0.1) (0.8) 9.6 Total consumer loans 123.7 (2.8) 0.8 (2.0) 3.5 125.2 Total allowance for credit losses on loans and leases 403.4 (11.7) 3.0 (8.7) 18.0 412.7 Allowance for unfunded loan commitments 20.5 — — — 0.5 21.0 Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments $ 423.9 $ (11.7) $ 3.0 $ (8.7) $ 18.5 $ 433.7 Six Months Ended June 30, 2023 Commercial real estate $ 162.1 $ (8.3) $ 2.3 $ (6.0) $ (1.9) $ 154.2 Commercial and industrial 102.1 (11.3) 1.6 (9.7) 21.9 114.3 Commercial leases 13.5 — — — 1.7 15.2 Other 4.0 (2.4) 0.5 (1.9) 1.7 3.8 Total commercial loans and leases 281.7 (22.0) 4.4 (17.6) 23.4 287.5 Direct installment 35.9 (0.4) 0.3 (0.1) (0.2) 35.6 Residential mortgages 55.5 (0.6) 0.2 (0.4) 8.3 63.4 Indirect installment 17.3 (4.8) 1.1 (3.7) 3.0 16.6 Consumer lines of credit 11.3 (0.6) 0.5 (0.1) (1.6) 9.6 Total consumer loans 120.0 (6.4) 2.1 (4.3) 9.5 125.2 Total allowance for credit losses on loans and leases 401.7 (28.4) 6.5 (21.9) 32.9 412.7 Allowance for unfunded loan commitments 21.4 — — — (0.4) 21.0 Total allowance for credit losses on loans and leases and allowance for unfunded loan commitments $ 423.1 $ (28.4) $ 6.5 $ (21.9) $ 32.5 $ 433.7 Following is a summary of changes in the AULC by portfolio segment: TABLE 5.2 Three Months Ended Six Months Ended 2024 2023 2024 2023 (in millions) Balance at beginning of period $ 21.9 $ 20.5 $ 21.5 $ 21.4 Provision for unfunded loan commitments and letters of credit: Commercial portfolio (0.1) 0.5 0.4 (0.4) Consumer portfolio — — (0.1) — Balance at end of period $ 21.8 $ 21.0 $ 21.8 $ 21.0

LOAN SERVICING (Tables)

LOAN SERVICING (Tables) - Mortgage Servicing Rights	6 Months Ended
	Jun. 30, 2024
Servicing Assets at Fair Value [Line Items]
Schedule of Servicing Asset at Amortized Cost	The unpaid principal balance of mortgage loans serviced for others is listed below: TABLE 6.1 (in millions) June 30, December 31, Mortgage loans sold with servicing retained $ 6,095 $ 5,729 The following table summarizes activity relating to mortgage loans sold with servicing retained: TABLE 6.2 Three Months Ended Six Months Ended (in millions) 2024 2023 2024 2023 Mortgage loans sold with servicing retained $ 306 $ 261 $ 622 $ 459 Pre-tax net gains (losses) resulting from above loan sales (1) 5 1 11 1 Mortgage servicing fees (1) 3 4 7 7 (1) Recorded in mortgage banking operations on the Consolidated Statements of Income. Following is a summary of activity relating to MSRs: TABLE 6.3 Three Months Ended Six Months Ended (in millions) 2024 2023 2024 2023 Balance at beginning of period $ 62.5 $ 54.3 $ 59.5 $ 52.8 Additions 3.9 2.7 7.8 5.2 Payoffs and curtailments (0.8) — (1.3) (0.3) Impairment (charge) / recovery — — 0.2 — Amortization / other (0.5) (1.3) (1.1) (2.0) Balance at end of period $ 65.1 $ 55.7 $ 65.1 $ 55.7 Fair value, beginning of period $ 75.2 $ 67.8 $ 71.8 $ 68.6 Fair value, end of period 78.0 72.1 78.0 72.1
Schedule of Assumptions for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement	Following is a summary of the sensitivity of the fair value of MSRs to changes in key assumptions: TABLE 6.4 (dollars in millions) June 30, December 31, Weighted average life (months) 92 92 Constant prepayment rate (annualized) 8.1 % 7.9 % Discount rate 10.2 % 10.2 % Effect on fair value due to change in interest rates: +2.00% $ 8 $ 7 +1.00% 6 5 +0.50% 4 3 +0.25% 2 2 -0.25% (2) (2) -0.50% (5) (4) -1.00% (10) (8) -2.00% (19) (21) -3.00% (36) (42)

LEASES (Tables)

LEASES (Tables)	6 Months Ended
	Jun. 30, 2024
Leases [Abstract]
Schedule of Lease, Cost	The components of lease expense were as follows: TABLE 7.1 Three Months Ended Six Months Ended (dollars in millions) 2024 2023 2024 2023 Operating lease cost $ 9 $ 8 $ 19 $ 16 Variable lease cost 2 1 3 2 Finance lease cost 1 1 2 2 Total lease cost $ 12 $ 10 $ 24 $ 20
Schedule of Leases, Other Information	Other information related to leases is as follows: TABLE 7.2 Six Months Ended (dollars in millions) 2024 2023 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 15 $ 7 Operating cash flows from finance leases $ 1 $ — Right-of-use assets obtained in exchange for lease obligations: Operating leases $ 25 $ — Finance leases $ 4 $ — Weighted average remaining lease term (years): Operating leases 11.00 9.11 Finance leases 19.00 19.97 Weighted average discount rate: Operating leases 3.8 % 2.7 % Finance leases 3.4 % 3.1 %
Schedule of Lessee, Operating Lease, Liability, Maturity	Future cash flows of lease liabilities are as follows: TABLE 7.3 (in millions) Operating Leases Finance Leases Total Leases June 30, 2024 0 - 12 months $ 35 $ 2 $ 37 13 - 24 months 30 2 32 25 - 36 months 27 2 29 37 - 48 months 25 3 28 49 - 60 months 23 3 26 Later years 164 37 201 Total lease payments 304 49 353 Less: imputed interest (64) (13) (77) Present value of lease liabilities $ 240 $ 36 $ 276
Schedule of Finance Lease, Liability, Fiscal Year Maturity	Future cash flows of lease liabilities are as follows: TABLE 7.3 (in millions) Operating Leases Finance Leases Total Leases June 30, 2024 0 - 12 months $ 35 $ 2 $ 37 13 - 24 months 30 2 32 25 - 36 months 27 2 29 37 - 48 months 25 3 28 49 - 60 months 23 3 26 Later years 164 37 201 Total lease payments 304 49 353 Less: imputed interest (64) (13) (77) Present value of lease liabilities $ 240 $ 36 $ 276

VARIABLE INTEREST ENTITIES (Tab

VARIABLE INTEREST ENTITIES (Tables)	6 Months Ended
	Jun. 30, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Schedule of Variable Interest Entities, Assets and Liabilities	The following table provides a summary of the assets and liabilities included in our Consolidated Financial Statements, as well as the maximum exposure to losses, associated with our interests related to VIEs for which we hold an interest, but are not the primary beneficiary. TABLE 8.1 (in millions) Total Assets Total Liabilities Maximum Exposure to Loss June 30, 2024 Trust preferred securities (1) $ 3 $ 73 $ — Tax credit partnerships 174 81 174 Other investments 28 — 28 Total $ 205 $ 154 $ 202 December 31, 2023 Trust preferred securities (1) $ 3 $ 73 $ — Tax credit partnerships 143 62 143 Other investments 40 6 40 Total $ 186 $ 141 $ 183 (1) Represents our investment in unconsolidated subsidiaries.
Schedule of Affordable Housing, Historic And New Market Tax Credit Partnerships	The following table presents the balances of our LIHTC, HTC and NMTC investments and related unfunded commitments: TABLE 8.2 (in millions) June 30, December 31, Tax credit investments included in other assets $ 93 $ 81 Unfunded tax credit investments 81 62
Schedule of Low Income Housing Tax Credits, Income Statement Effect	The following table summarizes the impact of these tax credit investments on the provision for income taxes in our Consolidated Statements of Income: TABLE 8.3 Three Months Ended Six Months Ended (in millions) 2024 2023 2024 2023 Provision for income taxes: Amortization of tax credit investments under proportional method $ 6 $ 4 $ 11 $ 8 Tax credits from tax credit investments (6) (4) (11) (8) Other tax benefits related to tax credit investments (1) — (2) (1) Total impact on provision for income taxes $ (1) $ — $ (2) $ (1)

BORROWINGS (Tables)

BORROWINGS (Tables)	6 Months Ended
	Jun. 30, 2024
Debt Disclosure [Abstract]
Schedule of Short-Term Borrowings	Following is a summary of short-term borrowings: TABLE 9.1 (in millions) June 30, December 31, Securities sold under repurchase agreements $ 201 $ 233 Federal Home Loan Bank advances 2,990 1,900 Federal funds purchased 298 260 Subordinated notes 127 113 Total short-term borrowings $ 3,616 $ 2,506
Schedule of Long-term Borrowings	Following is a summary of long-term borrowings: TABLE 9.2 (in millions) June 30, December 31, Federal Home Loan Bank advances $ 1,250 $ 1,200 Senior notes 349 349 Subordinated notes 77 82 Junior subordinated debt 73 73 Other subordinated debt 267 267 Total long-term borrowings $ 2,016 $ 1,971
Schedule of Senior and Other Subordinated Debt	The following table provides information relating to our senior notes and other subordinated debt as of June 30, 2024. The subordinated notes are eligible for treatment as tier 2 capital for regulatory capital purposes. TABLE 9.3 (dollars in millions) Aggregate Principal Amount Issued Net Proceeds (5) Carrying Value Stated Maturity Date Interest Senior Notes: 5.150% Senior Notes due August 25, 2025 $ 350 $ 347 $ 349 8/25/2025 5.150 % Total senior notes 350 347 349 Other Subordinated Debt: 7.984% Fixed-To-Floating Rate Subordinated Notes due 2029 (1) 120 118 119 2/14/2029 7.984 % 4.875% Subordinated Notes due 2025 100 98 100 10/2/2025 4.875 % 8.620% Fixed-To-Floating Rate Subordinated Notes due December 6, 2028 (2) (4) 25 26 24 12/6/2028 8.620 % 5.000% Fixed-To-Floating Rate Subordinated Note due May 29, 2030 (3) (4) 25 24 24 5/29/2030 5.000 % Total other subordinated debt 270 266 267 Total $ 620 $ 613 $ 616 (1) Floating rate effective February 14, 2024, determined by the Benchmark Replacement (three-month CME term SOFR (2) Floating rate effective December 6, 2023, determined by the Benchmark Replacement (three-month CME term SOFR (3) Fixed rate until May 29, 2025, at which time it converts to a floating rate determined by three-month SOFR (4) Assumed from an acquisition and adjusted to fair value at the time of acquisition. (5) After deducting underwriting discounts and commissions and offering costs. For the debt assumed from acquisitions, this is the fair value of the debt at the time of the acquisition.
Schedule of Junior Subordinated Debt Trusts	The following table provides information relating to the Trusts as of June 30, 2024: TABLE 9.4 (dollars in millions) Trust Common Junior Stated Interest Rate Rate Reset Factor F.N.B. Statutory Trust II $ 22 $ 1 $ 22 6/15/2036 7.25 % SOFR Yadkin Valley Statutory Trust I 25 1 23 12/15/2037 6.92 % SOFR FNB Financial Services Capital Trust I 25 1 23 9/30/2035 7.05 % SOFR Patapsco Statutory Trust I 5 — 5 12/15/2035 7.08 % SOFR Total $ 77 $ 3 $ 73

DERIVATIVE INSTRUMENTS AND HE_2

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES (Tables)	6 Months Ended
	Jun. 30, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Notional Amounts and Gross Fair Values of Derivative Assets and Derivative Liabilities	The following table presents notional amounts and gross fair values of our derivative assets and derivative liabilities which are not offset in the Consolidated Balance Sheets: TABLE 10.1 June 30, 2024 December 31, 2023 Notional Fair Value Notional Fair Value (in millions) Amount Asset Liability Amount Asset Liability Gross Derivatives Subject to master netting arrangements: Interest rate contracts – designated $ 1,600 $ — $ 3 $ 1,800 $ 1 $ — Interest rate swaps – not designated 5,806 104 16 5,660 74 35 Total subject to master netting arrangements 7,406 104 19 7,460 75 35 Not subject to master netting arrangements: Interest rate swaps – not designated 5,806 16 336 5,660 35 289 Interest rate lock commitments – not designated 323 3 — 239 5 — Forward delivery commitments – not designated 366 1 1 294 1 4 Credit risk contracts – not designated 762 — — 629 — — Total not subject to master netting arrangements 7,257 20 337 6,822 41 293 Total $ 14,663 $ 124 $ 356 $ 14,282 $ 116 $ 328
Schedule of Amounts Reclassified from Accumulated Other Comprehensive Income (AOCI)	The following table shows amounts reclassified from AOCI: TABLE 10.2 Amount of Gain (Loss) Recognized in OCI on Derivatives Location of Gain (Loss) Reclassified from AOCI into Income Amount of Gain (Loss) Reclassified from AOCI into Income Six Months Ended Six Months Ended (in millions) 2024 2023 2024 2023 Derivatives in cash flow hedging relationships: Interest rate contracts $ (15) $ (13) Interest income (expense) $ (19) $ (9) Other income — —
Schedule of Cash Flow Hedges Included in Accumulated Other Comprehensive Income (Loss)	The following table represents gains (losses) recognized in the Consolidated Statements of Income on cash flow hedging relationships: TABLE 10.3 Six months ended June 30, 2024 2023 (in millions) Interest Income - Loans and Leases Interest Expense - Short-Term Borrowings Interest Income - Loans and Leases Interest Expense - Short-Term Borrowings Total amounts of income and expense line items presented in the Consolidated Statements of Income (the effects of cash flow hedges are included in these line items) $ 975 $ 60 $ 823 $ 32 The effects of cash flow hedging: Gain (loss) on cash flow hedging relationships: Interest rate contracts: Amount of gain (loss) reclassified from AOCI into net income (25) 6 (21) 12
Schedule of Derivative Financial Instruments on the Consolidated Statements of Income	The following table presents the effect of certain derivative financial instruments on the Consolidated Statements of Income: TABLE 10.4 Six Months Ended (in millions) Consolidated Statements of Income Location 2024 2023 Interest rate swaps Non-interest income - other $ — $ — Interest rate lock commitments Mortgage banking operations — — Forward delivery contracts Mortgage banking operations 4 3 Credit risk contracts Non-interest income - other — —
Schedule of Offsetting Assets and Liabilities	The following table presents a reconciliation of the net amounts of derivative assets and derivative liabilities presented in the Consolidated Balance Sheets to the net amounts that would result in the event of offset: TABLE 10.5 Amount Not Offset in the (in millions) Net Amount Financial Cash Net June 30, 2024 Derivative Assets Interest rate contracts: Not designated $ 104 $ — $ 103 $ 1 Total $ 104 $ — $ 103 $ 1 Derivative Liabilities Interest rate contracts: Designated $ 3 $ — $ 3 $ — Not designated 16 — 16 — Total $ 19 $ — $ 19 $ — December 31, 2023 Derivative Assets Interest rate contracts: Designated $ 1 $ — $ 1 $ — Not designated 74 — 74 — Total $ 75 $ — $ 75 $ — Derivative Liabilities Interest rate contracts: Not designated $ 35 $ — $ 35 $ — Total $ 35 $ — $ 35 $ —

COMMITMENTS, CREDIT RISK AND _2

COMMITMENTS, CREDIT RISK AND CONTINGENCIES (Tables)	6 Months Ended
	Jun. 30, 2024
Commitments and Contingencies Disclosure [Abstract]
Schedule of Off-Balance Sheet Credit Risk Information	Following is a summary of off-balance sheet credit risk information: TABLE 11.1 (in millions) June 30, December 31, Commitments to extend credit $ 14,103 $ 13,656 Standby letters of credit 253 257

STOCK INCENTIVE PLANS (Tables)

STOCK INCENTIVE PLANS (Tables)	6 Months Ended
	Jun. 30, 2024
Share-Based Payment Arrangement [Abstract]
Schedule of Activity Relating to Restricted Stock Units	The following table summarizes the activity relating to restricted stock units during the periods indicated: TABLE 12.1 Six Months Ended June 30, 2024 2023 Units Weighted Units Weighted Unvested units outstanding at beginning of period 3,502,598 $ 12.89 4,821,182 $ 10.30 Granted 1,249,783 14.04 1,354,017 12.74 Net adjustment 341,857 — 306,917 8.43 Vested (1,499,097) 12.76 (2,303,266) 7.99 Forfeited/expired/canceled (27,777) 12.25 (578,493) 8.13 Dividend reinvestment — — 74,505 12.16 Unvested units outstanding at end of period 3,567,364 13.36 3,674,862 12.87
Schedule of Certain Information Related to Restricted Stock Units	The following table provides certain information related to restricted stock units: TABLE 12.2 (in millions) Six Months Ended 2024 2023 Stock-based compensation expense $ 12 $ 13 Tax benefit related to stock-based compensation expense 3 3 Fair value of units vested 19 30
Schedule of Components of Restricted Stock Units	The components of the restricted stock units as of June 30, 2024 are as follows: TABLE 12.3 (dollars in millions) Service- Performance- Total Unvested restricted stock units 2,614,032 953,332 3,567,364 Unrecognized compensation expense $ 15 $ 1 $ 16 Intrinsic value $ 36 $ 13 $ 49 Weighted average remaining life (in years) 1.96 1.72 1.89

INCOME TAXES (Tables)

INCOME TAXES (Tables)	6 Months Ended
	Jun. 30, 2024
Income Tax Disclosure [Abstract]
Schedule of Components of Income Tax Expense	Federal and state income tax expense and the statutory tax rate and the actual effective tax rate consist of the following: TABLE 13.1 Three Months Ended Six Months Ended (dollars in millions) 2024 2023 2024 2023 Current income taxes: Federal taxes $ 30 $ 36 $ 47 $ 67 State taxes 2 3 4 5 Total current income taxes 32 39 51 72 Deferred income taxes: Federal taxes 1 (3) 14 (1) State taxes 1 1 3 1 Total deferred income taxes 2 (2) 17 — Total income taxes $ 34 $ 37 $ 68 $ 72 Statutory federal tax rate 21.0 % 21.0 % 21.0 % 21.0 % Effective tax rate 21.6 20.5 21.6 20.0

OTHER COMPREHENSIVE INCOME (L_2

OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	6 Months Ended
	Jun. 30, 2024
Equity [Abstract]
Schedule of Changes in AOCI, Net of Tax, by Component	The following table presents changes in AOCI, net of tax, by component: TABLE 14.1 (in millions) Unrealized Unrealized Unrecognized Total Six Months Ended June 30, 2024 Balance at beginning of period $ (160) $ (33) $ (42) $ (235) Other comprehensive (loss) income before reclassifications (11) (12) — (23) Amounts reclassified from AOCI — 15 — 15 Net current period other comprehensive (loss) income (11) 3 — (8) Balance at end of period $ (171) $ (30) $ (42) $ (243)

EARNINGS PER COMMON SHARE (Tabl

EARNINGS PER COMMON SHARE (Tables)	6 Months Ended
	Jun. 30, 2024
Earnings Per Share [Abstract]
Schedule of Computation of Basic and Diluted Earnings Per Common Share	The following table sets forth the computation of basic and diluted earnings per common share: TABLE 15.1 Three Months Ended Six Months Ended ( dollars in millions, except per share data) 2024 2023 2024 2023 Net income $ 123 $ 142 $ 245 $ 289 Less: Preferred stock dividends — 2 6 4 Net income available to common stockholders $ 123 $ 140 $ 239 $ 285 Basic weighted average common shares outstanding 361,754,312 360,124,415 361,500,357 360,489,630 Net effect of dilutive stock options and restricted stock 946,921 2,501,767 1,159,902 3,286,929 Diluted weighted average common shares outstanding 362,701,233 362,626,182 362,660,259 363,776,559 Earnings per common share: Basic $ 0.34 $ 0.39 $ 0.66 $ 0.79 Diluted $ 0.34 $ 0.39 $ 0.66 $ 0.78

CASH FLOW INFORMATION (Tables)

CASH FLOW INFORMATION (Tables)	6 Months Ended
	Jun. 30, 2024
Supplemental Cash Flow Elements [Abstract]
Schedule of Supplemental Cash Flow Information	Following is a summary of supplemental cash flow information: TABLE 16.1 Six Months Ended (in millions) 2024 2023 Interest paid on deposits and other borrowings $ 461 $ 238 Income taxes paid 26 67 Transfers of loans to other real estate owned 1 1 Loans transferred to portfolio from held for sale 12 26

BUSINESS SEGMENTS (Tables)

BUSINESS SEGMENTS (Tables)	6 Months Ended
	Jun. 30, 2024
Segment Reporting [Abstract]
Schedule of Financial Information for Segments of FNB	The following table provides financial information for these segments of FNB. The information provided under the caption “Parent and Other” represents operations not considered to be reportable segments and/or general operating expenses of FNB, and includes the parent company, other non-bank subsidiaries and eliminations and adjustments to reconcile to the Consolidated Financial Statements. TABLE 17.1 (in millions) Community Wealth Insurance Parent and Consolidated At or for the Three Months Ended June 30, 2024 Interest income $ 555 $ — $ — $ 2 $ 557 Interest expense 233 — — 8 241 Net interest income 322 — — (6) 316 Provision for credit losses 20 — — — 20 Non-interest income 65 20 6 (3) 88 Non-interest expense (1) 199 14 6 3 222 Amortization of intangibles 5 — — — 5 Income tax expense (benefit) 36 1 — (3) 34 Net income (loss) 127 5 — (9) 123 Total assets 47,421 42 36 216 47,715 Total intangibles 2,503 9 25 — 2,537 At or for the Three Months Ended June 30, 2023 Interest income $ 483 $ — $ — $ 1 $ 484 Interest expense 147 — — 8 155 Net interest income 336 — — (7) 329 Provision for credit losses 19 — — — 19 Non-interest income 57 18 7 (1) 81 Non-interest expense (1) 187 13 5 2 207 Amortization of intangibles 5 — — — 5 Income tax expense (benefit) 39 1 1 (4) 37 Net income (loss) 143 4 1 (6) 142 Total assets 44,629 39 32 78 44,778 Total intangibles 2,521 9 26 — 2,556 (1) Excludes amortization of intangibles, which is presented separately. (in millions) Community Wealth Insurance Parent and Consolidated At or for the Six Months Ended June 30, 2024 Interest income $ 1,097 $ — $ — $ 3 $ 1,100 Interest expense 451 — — 14 465 Net interest income 646 — — (11) 635 Provision for credit losses 34 — — — 34 Non-interest income 127 40 13 (4) 176 Non-interest expense (1) 410 27 10 8 455 Amortization of intangibles 9 — — — 9 Income tax expense (benefit) 70 3 1 (6) 68 Net income (loss) 250 10 2 (17) 245 Total assets 47,421 42 36 216 47,715 Total intangibles 2,503 9 25 — 2,537 At or for the Six Months Ended June 30, 2023 Interest income $ 925 $ — $ — $ 3 $ 928 Interest expense 245 — — 17 262 Net interest income 680 — — (14) 666 Provision for credit losses 33 — — — 33 Non-interest income 112 36 14 (2) 160 Non-interest expense (1) 382 26 9 5 422 Amortization of intangibles 10 — — — 10 Income tax expense (benefit) 77 2 1 (8) 72 Net income (loss) 290 8 4 (13) 289 Total assets 44,629 39 32 78 44,778 Total intangibles 2,521 9 26 — 2,556 (1) Excludes amortization of intangibles, which is presented separately.

FAIR VALUE MEASUREMENTS (Tables

FAIR VALUE MEASUREMENTS (Tables)	6 Months Ended
	Jun. 30, 2024
Fair Value Disclosures [Abstract]
Schedule of Balances of Assets and Liabilities Measured at Fair Value on Recurring Basis	The following table presents the balances of assets and liabilities measured at fair value on a recurring basis: TABLE 18.1 (in millions) Level 1 Level 2 Level 3 Total June 30, 2024 Assets Measured at Fair Value Debt securities available for sale U.S. Treasury $ 197 $ — $ — $ 197 U.S. government agencies — 67 — 67 U.S. government-sponsored entities — 298 — 298 Residential MBS: Agency MBS — 886 — 886 Agency collateralized mortgage obligations — 758 — 758 Agency commercial MBS — 1,092 — 1,092 States of the U.S. and political subdivisions (municipals) — 26 — 26 Other debt securities — 40 — 40 Total debt securities available for sale 197 3,167 — 3,364 Loans held for sale — 128 — 128 Loans receivable — — 47 47 Derivative financial instruments Trading — 120 — 120 Not for trading — 1 3 4 Total derivative financial instruments — 121 3 124 Total assets measured at fair value on a recurring basis $ 197 $ 3,416 $ 50 $ 3,663 Liabilities Measured at Fair Value Derivative financial instruments Trading $ — $ 353 $ — $ 353 Not for trading — 3 — 3 Total derivative financial instruments — 356 — 356 Total liabilities measured at fair value on a recurring basis $ — $ 356 $ — $ 356 (in millions) Level 1 Level 2 Level 3 Total December 31, 2023 Assets Measured at Fair Value Debt securities available for sale U.S. Treasury $ 420 $ — $ — $ 420 U.S. government agencies — 79 — 79 U.S. government-sponsored entities — 223 — 223 Residential MBS: Agency MBS — 752 — 752 Agency collateralized mortgage obligations — 832 — 832 Agency commercial MBS — 884 — 884 States of the U.S. and political subdivisions (municipals) — 27 — 27 Other debt securities — 37 — 37 Total debt securities available for sale 420 2,834 — 3,254 Loans held for sale — 150 — 150 Derivative financial instruments Trading — 109 — 109 Not for trading — 2 5 7 Total derivative financial instruments — 111 5 116 Total assets measured at fair value on a recurring basis $ 420 $ 3,095 $ 5 $ 3,520 Liabilities Measured at Fair Value Derivative financial instruments Trading $ — $ 324 $ — $ 324 Not for trading — 4 — 4 Total derivative financial instruments — 328 — 328 Total liabilities measured at fair value on a recurring basis $ — $ 328 $ — $ 328
Schedule of Additional Information about Assets Measured at Fair Value on Recurring Basis	The following table presents additional information about assets measured at fair value on a recurring basis and for which we have utilized Level 3 inputs to determine fair value: TABLE 18.2 (in millions) Other Loans Receivable Interest Total Six Months Ended June 30, 2024 Balance at beginning of period $ — $ — $ 5 $ 5 Purchases, issuances, sales and settlements: Issuances — — 3 3 Settlements — — (5) (5) Transfers into Level 3 — 47 — 47 Balance at end of period $ — $ 47 $ 3 $ 50 Year Ended December 31, 2023 Balance at beginning of period $ — $ — $ — $ — Purchases, issuances, sales and settlements: Issuances — — 6 6 Settlements — — (1) (1) Balance at end of period $ — $ — $ 5 $ 5
Schedule of Additional Information about Assets Measured at Fair Value on Non-Recurring Basis	For assets measured at fair value on a non-recurring basis still held at the Balance Sheet date, the following table provides the hierarchy level and the fair value of the related assets or portfolios: TABLE 18.3 (in millions) Level 1 Level 2 Level 3 Total June 30, 2024 Collateral dependent loans $ — $ — $ 35 $ 35 Other assets - MSRs — — 1 1 December 31, 2023 Collateral dependent loans $ — $ — $ 35 $ 35 Indirect installment loans held for sale — — 338 338 Other assets - MSRs — — 12 12 Other assets - SBA servicing asset — — 1 1 Other real estate owned — — 2 2
Schedule of Fair Values of Financial Instruments	The fair values of our financial instruments are as follows: TABLE 18.4 Fair Value Measurements (in millions) Carrying Fair Level 1 Level 2 Level 3 June 30, 2024 Financial Assets Cash and cash equivalents $ 1,880 $ 1,880 $ 1,880 $ — $ — Debt securities available for sale 3,364 3,364 197 3,167 — Debt securities held to maturity 3,893 3,532 — 3,532 — Net loans and leases, including loans held for sale 33,470 31,998 — 128 31,870 Loan servicing rights 67 79 — — 79 Derivative assets 124 124 — 121 3 Accrued interest receivable 178 178 178 — — Financial Liabilities Deposits 34,994 34,938 28,107 6,831 — Short-term borrowings 3,616 3,633 3,633 — — Long-term borrowings 2,016 2,043 — 1,274 769 Derivative liabilities 356 356 — 356 — Accrued interest payable 73 73 73 — — December 31, 2023 Financial Assets Cash and cash equivalents $ 1,576 $ 1,576 $ 1,576 $ — $ — Debt securities available for sale 3,254 3,254 420 2,834 — Debt securities held to maturity 3,911 3,593 — 3,593 — Net loans and leases, including loans held for sale 32,405 30,641 — 150 30,491 Loan servicing rights 61 73 — — 73 Derivative assets 116 116 — 111 5 Accrued interest receivable 160 160 160 — — Financial Liabilities Deposits 34,711 34,654 28,496 6,158 — Short-term borrowings 2,506 2,505 2,505 — — Long-term borrowings 1,971 1,928 — 1,192 736 Derivative liabilities 328 328 — 328 — Accrued interest payable 69 69 69 — —

NATURE OF OPERATIONS (Details)

NATURE OF OPERATIONS (Details)	Jun. 30, 2024 state branch
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Number of states, company operating financial services | state	7
Number of branches | branch	345

NEW ACCOUNTING STANDARDS (Detai

NEW ACCOUNTING STANDARDS (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Jun. 30, 2024	Mar. 31, 2024	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Accounting Standards Update [Extensible Enumeration]	Accounting Standards Update 2023-02 [Member]
Stockholders' equity attributable to parent	$ 6,050	$ 6,090	$ 6,006	$ 5,818	$ 5,788	$ 5,653
Adoption of new accounting standard
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Stockholders' equity attributable to parent	(1)
Retained Earnings
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Stockholders' equity attributable to parent	1,669	$ 1,820	$ 1,740	$ 1,564	$ 1,471	$ 1,370
Retained Earnings | Adoption of new accounting standard
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Stockholders' equity attributable to parent	$ (0.5)

SECURITIES - Additional Informa

SECURITIES - Additional Information (Details) - USD ($)	3 Months Ended	6 Months Ended
	Dec. 31, 2023	Jun. 30, 2024	Jun. 30, 2023
Schedule Of Securities [Line Items]
Debt securities available for sale, allowance for credit losses	$ 0	$ 0
Debt securities, available-for-sale, accrued interest, after allowance for credit loss	9,600,000	13,300,000
Debt securities held to maturity, allowance for credit losses	280,000	270,000
Debt securities, held-to-maturity, accrued interest, after allowance for credit loss	14,700,000	14,100,000
Debt securities, available-for-sale, realized loss (gain)	67,400,000	0	$ 0
Debt securities, available for sale, sold	648,700,000
Municipal bond portfolio, value		$ 1,000,000,000
Percentage of formal credit enhancement insurance of municipalities		61%
Corporate bond portfolio, at carrying value		$ 56,100,000
Municipal Bonds | Weighted Average
Schedule Of Securities [Line Items]
Average holding size of securities in bond portfolio		$ 2,500,000
Municipal Bonds | Credit Concentration Risk | General Obligation Bonds | A Rating or Better | Minimum
Schedule Of Securities [Line Items]
Percentage of portfolio		99%
Municipal Bonds | Geographic Concentration Risk | Pennsylvania, Ohio and Maryland
Schedule Of Securities [Line Items]
Percentage of portfolio		60%
Corporate Bond | Weighted Average
Schedule Of Securities [Line Items]
Average holding size of securities in bond portfolio		$ 3,100,000
US government
Schedule Of Securities [Line Items]
Unrealized loss on debt securities, available-for-sale and held-to-maturity, backed or sponsored percentage		85%
States of the U.S. and political subdivisions (municipals)
Schedule Of Securities [Line Items]
Debt securities held to maturity, allowance for credit losses	60,000	$ 60,000
Other debt securities
Schedule Of Securities [Line Items]
Debt securities held to maturity, allowance for credit losses	$ 220,000	$ 210,000

SECURITIES - Schedule of Amorti

SECURITIES - Schedule of Amortized Cost and Fair Value of Securities Available for Sale (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 3,585	$ 3,460
Gross Unrealized Gains	4	10
Gross Unrealized Losses	(225)	(216)
Fair  Value	3,364	3,254
U.S. Treasury
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	199	422
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(2)	(2)
Fair  Value	197	420
U.S. government agencies
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	67	78
Gross Unrealized Gains	0	1
Gross Unrealized Losses	0	0
Fair  Value	67	79
U.S. government-sponsored entities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	301	227
Gross Unrealized Gains	1	0
Gross Unrealized Losses	(4)	(4)
Fair  Value	298	223
Agency MBS
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	951	814
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(65)	(62)
Fair  Value	886	752
Agency collateralized mortgage obligations
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	871	946
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(113)	(114)
Fair  Value	758	832
Agency commercial MBS
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	1,127	905
Gross Unrealized Gains	3	9
Gross Unrealized Losses	(38)	(30)
Fair  Value	1,092	884
States of the U.S. and political subdivisions (municipals)
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	28	30
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(2)	(3)
Fair  Value	26	27
Other debt securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	41	38
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(1)	(1)
Fair  Value	$ 40	$ 37

SECURITIES - Schedule of Amor_2

SECURITIES - Schedule of Amortized Cost and Fair Value of Securities Held to Maturity (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Investment Securities Held To Maturity [Line Items]
Amortized Cost	$ 3,893	$ 3,911
Gross Unrealized Gains	3	8
Gross Unrealized Losses	(364)	(326)
Fair  Value	3,532	3,593
U.S. Treasury
Investment Securities Held To Maturity [Line Items]
Amortized Cost	1
Gross Unrealized Gains	0
Gross Unrealized Losses	0
Fair  Value	1
U.S. government agencies
Investment Securities Held To Maturity [Line Items]
Amortized Cost	1	1
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Fair  Value	1	1
U.S. government-sponsored entities
Investment Securities Held To Maturity [Line Items]
Amortized Cost	28	68
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Fair  Value	28	68
Agency MBS
Investment Securities Held To Maturity [Line Items]
Amortized Cost	977	1,057
Gross Unrealized Gains	1	2
Gross Unrealized Losses	(106)	(101)
Fair  Value	872	958
Agency collateralized mortgage obligations
Investment Securities Held To Maturity [Line Items]
Amortized Cost	769	824
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(108)	(104)
Fair  Value	661	720
Agency commercial MBS
Investment Securities Held To Maturity [Line Items]
Amortized Cost	1,094	929
Gross Unrealized Gains	2	4
Gross Unrealized Losses	(50)	(43)
Fair  Value	1,046	890
States of the U.S. and political subdivisions (municipals)
Investment Securities Held To Maturity [Line Items]
Amortized Cost	1,007	1,017
Gross Unrealized Gains	0	2
Gross Unrealized Losses	(98)	(77)
Fair  Value	909	942
Other debt securities
Investment Securities Held To Maturity [Line Items]
Amortized Cost	16	15
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(2)	(1)
Fair  Value	$ 14	$ 14

SECURITIES - Schedule of Amor_3

SECURITIES - Schedule of Amortized Cost and Fair Value of Securities, by Contractual Maturities (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Schedule Of Securities [Line Items]
Available for sale, due in one year or less, amortized cost	$ 112
Available for sale, due after one year but within five years, amortized cost	461
Available for sale, due after five years but within ten years, amortized cost	33
Available for sale, due after ten years, amortized cost	30
Available for sale, with contractual maturities, amortized cost	636
Amortized Cost	3,585	$ 3,460
Available for sale, due in one year or less, fair value	110
Available for sale, due after one year but within five years, fair value	456
Available for sale, due after five years but within ten years, fair value	32
Available for sale, due after ten years, fair value	30
Available for sale, with contractual maturities, fair value	628
Fair Value	3,364	3,254
Held to maturity, due in one year or less, amortized cost	3
Held to maturity, due after one year but within five years, amortized cost	86
Held to maturity, due after five years but within ten years, amortized cost	224
Held to maturity, due after ten years, amortized cost	740
Held to maturity, with contractual maturities, amortized cost	1,053
Amortized Cost	3,893	3,911
Held to maturity, due in one year or less, fair value	3
Held to maturity, due after one year but within five years, fair value	82
Held to maturity, due after five years but within ten years, fair value	207
Held to maturity, due after ten years, fair value	661
Held to maturity, with contractual maturities, fair value	953
Fair Value	3,532	3,593
Agency MBS
Schedule Of Securities [Line Items]
Available-for-sale, amortized cost	951
Amortized Cost	951	814
Available for sale, fair value	886
Fair Value	886	752
Held to maturity, amortized cost	977
Amortized Cost	977	1,057
Held to maturity, fair value	872
Fair Value	872	958
Agency collateralized mortgage obligations
Schedule Of Securities [Line Items]
Available-for-sale, amortized cost	871
Amortized Cost	871	946
Available for sale, fair value	758
Fair Value	758	832
Held to maturity, amortized cost	769
Amortized Cost	769	824
Held to maturity, fair value	661
Fair Value	661	720
Agency commercial MBS
Schedule Of Securities [Line Items]
Available-for-sale, amortized cost	1,127
Amortized Cost	1,127	905
Available for sale, fair value	1,092
Fair Value	1,092	884
Held to maturity, amortized cost	1,094
Amortized Cost	1,094	929
Held to maturity, fair value	1,046
Fair Value	$ 1,046	$ 890

SECURITIES - Schedule of Securi

SECURITIES - Schedule of Securities Pledged as Collateral (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Investments, Debt and Equity Securities [Abstract]
Securities pledged (carrying value), to secure public deposits, trust deposits and for other purposes as required by law	$ 5,805	$ 6,190
Securities pledged (carrying value), as collateral for short-term borrowings	$ 225	$ 250
Securities pledged as a percent of total securities	83.10%	89.90%

SECURITIES - Schedule of Fair V

SECURITIES - Schedule of Fair Values and Unrealized Losses of Impaired Securities, by Length of Impairment (Details) $ in Millions	Jun. 30, 2024 USD ($) security	Dec. 31, 2023 USD ($) security
Schedule Of Securities [Line Items]
Debt securities, available-for-sale, less than 12 months, number of positions | security	27	6
Debt securities, available-for-sale, 12 months or longer, number of positions | security	234	236
Debt securities, available-for-sale, number of positions | security	261	242
Debt securities, available-for-sale, less than 12 months, fair value	$ 801	$ 70
Debt securities, available-for-sale, 12 months or longer, fair value	2,050	2,235
Debt securities, available-for-sale, fair value	2,851	2,305
Debt securities, available-for-sale, less than 12 months, unrealized losses	(6)	0
Debt securities, available-for-sale, 12 months or longer, unrealized losses	(219)	(216)
Debt securities, available-for-sale, unrealized losses	$ (225)	$ (216)
U.S. Treasury
Schedule Of Securities [Line Items]
Debt securities, available-for-sale, less than 12 months, number of positions | security	1	0
Debt securities, available-for-sale, 12 months or longer, number of positions | security	2	2
Debt securities, available-for-sale, number of positions | security	3	2
Debt securities, available-for-sale, less than 12 months, fair value	$ 49	$ 0
Debt securities, available-for-sale, 12 months or longer, fair value	74	73
Debt securities, available-for-sale, fair value	123	73
Debt securities, available-for-sale, less than 12 months, unrealized losses	0	0
Debt securities, available-for-sale, 12 months or longer, unrealized losses	(2)	(2)
Debt securities, available-for-sale, unrealized losses	$ (2)	$ (2)
U.S. government agencies
Schedule Of Securities [Line Items]
Debt securities, available-for-sale, less than 12 months, number of positions | security	0	2
Debt securities, available-for-sale, 12 months or longer, number of positions | security	13	12
Debt securities, available-for-sale, number of positions | security	13	14
Debt securities, available-for-sale, less than 12 months, fair value	$ 0	$ 4
Debt securities, available-for-sale, 12 months or longer, fair value	31	36
Debt securities, available-for-sale, fair value	31	40
Debt securities, available-for-sale, less than 12 months, unrealized losses	0	0
Debt securities, available-for-sale, 12 months or longer, unrealized losses	0	0
Debt securities, available-for-sale, unrealized losses	$ 0	$ 0
U.S. government-sponsored entities
Schedule Of Securities [Line Items]
Debt securities, available-for-sale, less than 12 months, number of positions | security	3	1
Debt securities, available-for-sale, 12 months or longer, number of positions | security	7	7
Debt securities, available-for-sale, number of positions | security	10	8
Debt securities, available-for-sale, less than 12 months, fair value	$ 74	$ 25
Debt securities, available-for-sale, 12 months or longer, fair value	123	123
Debt securities, available-for-sale, fair value	197	148
Debt securities, available-for-sale, less than 12 months, unrealized losses	0	0
Debt securities, available-for-sale, 12 months or longer, unrealized losses	(4)	(4)
Debt securities, available-for-sale, unrealized losses	$ (4)	$ (4)
Agency MBS
Schedule Of Securities [Line Items]
Debt securities, available-for-sale, less than 12 months, number of positions | security	6	0
Debt securities, available-for-sale, 12 months or longer, number of positions | security	104	104
Debt securities, available-for-sale, number of positions | security	110	104
Debt securities, available-for-sale, less than 12 months, fair value	$ 179	$ 0
Debt securities, available-for-sale, 12 months or longer, fair value	659	750
Debt securities, available-for-sale, fair value	838	750
Debt securities, available-for-sale, less than 12 months, unrealized losses	(1)	0
Debt securities, available-for-sale, 12 months or longer, unrealized losses	(64)	(62)
Debt securities, available-for-sale, unrealized losses	$ (65)	$ (62)
Agency collateralized mortgage obligations
Schedule Of Securities [Line Items]
Debt securities, available-for-sale, less than 12 months, number of positions | security	0	0
Debt securities, available-for-sale, 12 months or longer, number of positions | security	69	71
Debt securities, available-for-sale, number of positions | security	69	71
Debt securities, available-for-sale, less than 12 months, fair value	$ 0	$ 0
Debt securities, available-for-sale, 12 months or longer, fair value	758	832
Debt securities, available-for-sale, fair value	758	832
Debt securities, available-for-sale, less than 12 months, unrealized losses	0	0
Debt securities, available-for-sale, 12 months or longer, unrealized losses	(113)	(114)
Debt securities, available-for-sale, unrealized losses	$ (113)	$ (114)
Agency commercial MBS
Schedule Of Securities [Line Items]
Debt securities, available-for-sale, less than 12 months, number of positions | security	16	1
Debt securities, available-for-sale, 12 months or longer, number of positions | security	20	20
Debt securities, available-for-sale, number of positions | security	36	21
Debt securities, available-for-sale, less than 12 months, fair value	$ 494	$ 32
Debt securities, available-for-sale, 12 months or longer, fair value	361	377
Debt securities, available-for-sale, fair value	855	409
Debt securities, available-for-sale, less than 12 months, unrealized losses	(5)	0
Debt securities, available-for-sale, 12 months or longer, unrealized losses	(33)	(30)
Debt securities, available-for-sale, unrealized losses	$ (38)	$ (30)
States of the U.S. and political subdivisions (municipals)
Schedule Of Securities [Line Items]
Debt securities, available-for-sale, less than 12 months, number of positions | security	0	0
Debt securities, available-for-sale, 12 months or longer, number of positions | security	12	13
Debt securities, available-for-sale, number of positions | security	12	13
Debt securities, available-for-sale, less than 12 months, fair value	$ 0	$ 0
Debt securities, available-for-sale, 12 months or longer, fair value	26	27
Debt securities, available-for-sale, fair value	26	27
Debt securities, available-for-sale, less than 12 months, unrealized losses	0	0
Debt securities, available-for-sale, 12 months or longer, unrealized losses	(2)	(3)
Debt securities, available-for-sale, unrealized losses	$ (2)	$ (3)
Other debt securities
Schedule Of Securities [Line Items]
Debt securities, available-for-sale, less than 12 months, number of positions | security	1	2
Debt securities, available-for-sale, 12 months or longer, number of positions | security	7	7
Debt securities, available-for-sale, number of positions | security	8	9
Debt securities, available-for-sale, less than 12 months, fair value	$ 5	$ 9
Debt securities, available-for-sale, 12 months or longer, fair value	18	17
Debt securities, available-for-sale, fair value	23	26
Debt securities, available-for-sale, less than 12 months, unrealized losses	0	0
Debt securities, available-for-sale, 12 months or longer, unrealized losses	(1)	(1)
Debt securities, available-for-sale, unrealized losses	$ (1)	$ (1)

LOANS AND LEASES - Additional I

LOANS AND LEASES - Additional Information (Details)	6 Months Ended		12 Months Ended
	Jun. 30, 2024 USD ($) state	Jun. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accrued interest receivable	$ 141,600,000		$ 128,600,000
Discount remaining	$ 35,800,000		42,600,000
Number of states, company operating financial services | state	7
Loan modification, accrued interest receivable	$ 50,000	$ 80,000
Loan modification, additional funds	0
Pooled reserves for all other classes of loans	$ 4,100,000		3,800,000
Minimum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past due period for loan to be in default	90 days
Maximum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past due period for loan to be in default	12 months
Total commercial loans and leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans modified, specific reserves	$ 500,000		5,300,000
Loans modified, pooled reserves	1,900,000		2,000,000
Total commercial loans and leases | Commercial loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, collateral dependent	65,600,000
Threshold for loans whose terms have been modified in a trouble debt restructuring, non accrual	1,000,000
Residential Mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying value of OREO through foreclosure	1,200,000		1,200,000
Mortgage loans on real estate, foreclosure	$ 12,900,000		$ 9,400,000

LOANS AND LEASES - Schedule of

LOANS AND LEASES - Schedule of Net of Unearned Income (Details) - USD ($) $ in Millions		Jun. 30, 2024	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized cost loans and leases, carrying amount	[1]	$ 33,757	$ 32,323
Total commercial loans and leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized cost loans and leases, carrying amount		21,089	20,496
Total commercial loans and leases | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized cost loans and leases, carrying amount		12,664	12,305
Total commercial loans and leases | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized cost loans and leases, carrying amount		7,597	7,482
Total commercial loans and leases | Commercial leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized cost loans and leases, carrying amount		683	599
Total commercial loans and leases | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized cost loans and leases, carrying amount		145	110
Total consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized cost loans and leases, carrying amount		12,668	11,827
Total consumer loans | Direct installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized cost loans and leases, carrying amount		2,700	2,741
Total consumer loans | Residential mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized cost loans and leases, carrying amount		7,459	6,640
Total consumer loans | Indirect installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized cost loans and leases, carrying amount		1,188	1,149
Total consumer loans | Consumer lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized cost loans and leases, carrying amount		$ 1,321	$ 1,297
[1] Amount represents loans for which we have elected the fair value option. See Note 18.

LOANS AND LEASES - Schedule o_2

LOANS AND LEASES - Schedule of Commercial Real Estate Loans (Details) - Commercial real estate - Loan Portfolio Diversification Risk	6 Months Ended	12 Months Ended
	Jun. 30, 2024	Dec. 31, 2023
Percent owner-occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Percent of total loans and leases	29.50%	29%
Percent non-owner-occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Percent of total loans and leases	70.50%	71%

LOANS AND LEASES - Schedule o_3

LOANS AND LEASES - Schedule of Origination Year (Details) - USD ($) $ in Millions		3 Months Ended		6 Months Ended		12 Months Ended
		Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		$ 2,739		$ 2,739		$ 5,486
Fiscal year before current fiscal year		5,427		5,427		6,624
Two years before current fiscal year		6,396		6,396		6,015
Three years before current fiscal year		5,672		5,672		3,537
Four years before current fiscal year		3,236		3,236		2,255
Prior		6,700		6,700		5,148
Revolving Loans Amortized Cost Basis		3,587		3,587		3,258
Total Loans and Leases	[1]	33,757		33,757		32,323
Current fiscal year, charge-off				0		0.8
Fiscal year before current fiscal year, charge-off				1.8		5.2
Two years before current fiscal year, charge-off				4.3		5.2
Three years before current fiscal year, charge-off				3		2.4
Four years before current fiscal year, charge-off				1.3		2.7
Prior, charge-off				17.4		64.8
Revolving Loans Amortized Cost Basis, charge-off				0		0
Total Loans and Leases, charge-off				27.8		81.1
Current
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans and Leases		33,543		33,543		32,097
Past due
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans and Leases		214		214		226
Total commercial loans and leases
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		1,394		1,394		3,371
Fiscal year before current fiscal year		3,303		3,303		3,762
Two years before current fiscal year		3,693		3,693		3,449
Three years before current fiscal year		3,255		3,255		2,238
Four years before current fiscal year		2,026		2,026		1,726
Prior		4,912		4,912		3,740
Revolving Loans Amortized Cost Basis		2,506		2,506		2,210
Total Loans and Leases		21,089		21,089		20,496
Total Loans and Leases, charge-off		8.9	$ 8.9	21	$ 22
Total commercial loans and leases | Current
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans and Leases		20,981		20,981		20,378
Total commercial loans and leases | Past due
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans and Leases		108		108		118
Total commercial loans and leases | Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		715		715		1,523
Fiscal year before current fiscal year		1,600		1,600		2,226
Two years before current fiscal year		2,344		2,344		2,401
Three years before current fiscal year		2,341		2,341		1,598
Four years before current fiscal year		1,498		1,498		1,295
Prior		3,952		3,952		3,012
Revolving Loans Amortized Cost Basis		214		214		250
Total Loans and Leases		12,664		12,664		12,305
Current fiscal year, charge-off				0		0.2
Fiscal year before current fiscal year, charge-off				0.3		0.4
Two years before current fiscal year, charge-off				0.6		0.4
Three years before current fiscal year, charge-off				0.3		0.7
Four years before current fiscal year, charge-off				0.1		0.2
Prior, charge-off				9		10.5
Revolving Loans Amortized Cost Basis, charge-off				0		0
Total Loans and Leases, charge-off		3.2	1.8	10.3	8.3	12.4
Total commercial loans and leases | Commercial real estate | Current
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans and Leases		12,621		12,621		12,242
Total commercial loans and leases | Commercial real estate | Past due
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans and Leases		43		43		63
Total commercial loans and leases | Commercial real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		708		708		1,508
Fiscal year before current fiscal year		1,570		1,570		2,133
Two years before current fiscal year		2,133		2,133		2,298
Three years before current fiscal year		2,187		2,187		1,449
Four years before current fiscal year		1,338		1,338		1,131
Prior		3,515		3,515		2,711
Revolving Loans Amortized Cost Basis		176		176		230
Total Loans and Leases		11,627		11,627		11,460
Total commercial loans and leases | Commercial real estate | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		1		1		10
Fiscal year before current fiscal year		14		14		66
Two years before current fiscal year		155		155		76
Three years before current fiscal year		81		81		136
Four years before current fiscal year		140		140		105
Prior		241		241		197
Revolving Loans Amortized Cost Basis		35		35		5
Total Loans and Leases		667		667		595
Total commercial loans and leases | Commercial real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		6		6		5
Fiscal year before current fiscal year		16		16		27
Two years before current fiscal year		56		56		27
Three years before current fiscal year		73		73		13
Four years before current fiscal year		20		20		59
Prior		196		196		104
Revolving Loans Amortized Cost Basis		3		3		15
Total Loans and Leases		370		370		250
Total commercial loans and leases | Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		492		492		1,555
Fiscal year before current fiscal year		1,434		1,434		1,398
Two years before current fiscal year		1,226		1,226		962
Three years before current fiscal year		840		840		586
Four years before current fiscal year		486		486		406
Prior		904		904		678
Revolving Loans Amortized Cost Basis		2,215		2,215		1,897
Total Loans and Leases		7,597		7,597		7,482
Current fiscal year, charge-off				0		0.1
Fiscal year before current fiscal year, charge-off				0.5		0.3
Two years before current fiscal year, charge-off				1		1
Three years before current fiscal year, charge-off				1		1
Four years before current fiscal year, charge-off				0.9		2.2
Prior, charge-off				5.2		46.6
Revolving Loans Amortized Cost Basis, charge-off				0		0
Total Loans and Leases, charge-off		4.7	5.5	8.6	11.3	51.2
Total commercial loans and leases | Commercial and industrial | Current
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans and Leases		7,543		7,543		7,434
Total commercial loans and leases | Commercial and industrial | Past due
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans and Leases		54		54		48
Total commercial loans and leases | Commercial and industrial | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		490		490		1,509
Fiscal year before current fiscal year		1,360		1,360		1,369
Two years before current fiscal year		1,169		1,169		844
Three years before current fiscal year		671		671		575
Four years before current fiscal year		466		466		370
Prior		753		753		585
Revolving Loans Amortized Cost Basis		2,061		2,061		1,773
Total Loans and Leases		6,970		6,970		7,025
Total commercial loans and leases | Commercial and industrial | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		1		1		12
Fiscal year before current fiscal year		31		31		3
Two years before current fiscal year		37		37		56
Three years before current fiscal year		119		119		2
Four years before current fiscal year		14		14		12
Prior		70		70		35
Revolving Loans Amortized Cost Basis		36		36		35
Total Loans and Leases		308		308		155
Total commercial loans and leases | Commercial and industrial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		1		1		34
Fiscal year before current fiscal year		43		43		26
Two years before current fiscal year		20		20		62
Three years before current fiscal year		50		50		9
Four years before current fiscal year		6		6		24
Prior		81		81		58
Revolving Loans Amortized Cost Basis		118		118		89
Total Loans and Leases		319		319		302
Total commercial loans and leases | Commercial leases
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		179		179		254
Fiscal year before current fiscal year		215		215		138
Two years before current fiscal year		123		123		86
Three years before current fiscal year		74		74		54
Four years before current fiscal year		42		42		25
Prior		50		50		42
Revolving Loans Amortized Cost Basis		0		0		0
Total Loans and Leases		683		683		599
Current fiscal year, charge-off				0		0
Fiscal year before current fiscal year, charge-off				0		0
Two years before current fiscal year, charge-off				0		0
Three years before current fiscal year, charge-off				0		0
Four years before current fiscal year, charge-off				0		0
Prior, charge-off				0.2		0
Revolving Loans Amortized Cost Basis, charge-off				0		0
Total Loans and Leases, charge-off		0	0	0.2	0	0
Total commercial loans and leases | Commercial leases | Current
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans and Leases		678		678		594
Total commercial loans and leases | Commercial leases | Past due
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans and Leases		5		5		5
Total commercial loans and leases | Commercial leases | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		179		179		247
Fiscal year before current fiscal year		207		207		134
Two years before current fiscal year		121		121		82
Three years before current fiscal year		69		69		47
Four years before current fiscal year		36		36		24
Prior		48		48		41
Revolving Loans Amortized Cost Basis		0		0		0
Total Loans and Leases		660		660		575
Total commercial loans and leases | Commercial leases | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		0		0		0
Fiscal year before current fiscal year		1		1		1
Two years before current fiscal year		0		0		0
Three years before current fiscal year		0		0		0
Four years before current fiscal year		0		0		0
Prior		1		1		1
Revolving Loans Amortized Cost Basis		0		0		0
Total Loans and Leases		2		2		2
Total commercial loans and leases | Commercial leases | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		0		0		7
Fiscal year before current fiscal year		7		7		3
Two years before current fiscal year		2		2		4
Three years before current fiscal year		5		5		7
Four years before current fiscal year		6		6		1
Prior		1		1		0
Revolving Loans Amortized Cost Basis		0		0		0
Total Loans and Leases		21		21		22
Total commercial loans and leases | Other
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		8		8		39
Fiscal year before current fiscal year		54		54		0
Two years before current fiscal year		0		0		0
Three years before current fiscal year		0		0		0
Four years before current fiscal year		0		0		0
Prior		6		6		8
Revolving Loans Amortized Cost Basis		77		77		63
Total Loans and Leases		145		145		110
Current fiscal year, charge-off				0		0
Fiscal year before current fiscal year, charge-off				0		0
Two years before current fiscal year, charge-off				0		0
Three years before current fiscal year, charge-off				0		0
Four years before current fiscal year, charge-off				0		0
Prior, charge-off				1.9		4.5
Revolving Loans Amortized Cost Basis, charge-off				0		0
Total Loans and Leases, charge-off		1	1.6	1.9	2.4	4.5
Total commercial loans and leases | Other | Current
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans and Leases		139		139		108
Total commercial loans and leases | Other | Past due
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans and Leases		6		6		2
Total commercial loans and leases | Other | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		8		8		39
Fiscal year before current fiscal year		54		54		0
Two years before current fiscal year		0		0		0
Three years before current fiscal year		0		0		0
Four years before current fiscal year		0		0		0
Prior		6		6		8
Revolving Loans Amortized Cost Basis		77		77		63
Total Loans and Leases		145		145		110
Total consumer loans
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		1,345		1,345		2,115
Fiscal year before current fiscal year		2,124		2,124		2,862
Two years before current fiscal year		2,703		2,703		2,566
Three years before current fiscal year		2,417		2,417		1,299
Four years before current fiscal year		1,210		1,210		529
Prior		1,788		1,788		1,408
Revolving Loans Amortized Cost Basis		1,081		1,081		1,048
Total Loans and Leases		12,668		12,668		11,827
Total Loans and Leases, charge-off		3.4	2.8	6.8	6.4
Total consumer loans | Current
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans and Leases		12,562		12,562		11,719
Total consumer loans | Past due
Financing Receivable, Credit Quality Indicator [Line Items]
Total Loans and Leases		106		106		108
Total consumer loans | Direct installment
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		165		165		340
Fiscal year before current fiscal year		311		311		713
Two years before current fiscal year		668		668		784
Three years before current fiscal year		733		733		393
Four years before current fiscal year		367		367		137
Prior		456		456		374
Revolving Loans Amortized Cost Basis		0		0		0
Total Loans and Leases		2,700		2,700		2,741
Current fiscal year, charge-off				0		0
Fiscal year before current fiscal year, charge-off				0.1		0.2
Two years before current fiscal year, charge-off				0.1		0.1
Three years before current fiscal year, charge-off				0.1		0.1
Four years before current fiscal year, charge-off				0		0
Prior, charge-off				0.3		0.2
Revolving Loans Amortized Cost Basis, charge-off				0		0
Total Loans and Leases, charge-off		0.4	0.1	0.6	0.4	0.6
Total consumer loans | Direct installment | Current
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		165		165		340
Fiscal year before current fiscal year		310		310		712
Two years before current fiscal year		667		667		784
Three years before current fiscal year		732		732		392
Four years before current fiscal year		366		366		136
Prior		447		447		364
Revolving Loans Amortized Cost Basis		0		0		0
Total Loans and Leases		2,687		2,687		2,728
Total consumer loans | Direct installment | Past due
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		0		0		0
Fiscal year before current fiscal year		1		1		1
Two years before current fiscal year		1		1		0
Three years before current fiscal year		1		1		1
Four years before current fiscal year		1		1		1
Prior		9		9		10
Revolving Loans Amortized Cost Basis		0		0		0
Total Loans and Leases		13		13		13
Total consumer loans | Residential mortgages
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		919		919		1,424
Fiscal year before current fiscal year		1,507		1,507		1,692
Two years before current fiscal year		1,648		1,648		1,521
Three years before current fiscal year		1,475		1,475		802
Four years before current fiscal year		766		766		346
Prior		1,143		1,143		854
Revolving Loans Amortized Cost Basis		1		1		1
Total Loans and Leases		7,459		7,459		6,640
Current fiscal year, charge-off				0		0
Fiscal year before current fiscal year, charge-off				0.1		0
Two years before current fiscal year, charge-off				0		0
Three years before current fiscal year, charge-off				0		0
Four years before current fiscal year, charge-off				0		0
Prior, charge-off				0.1		0.7
Revolving Loans Amortized Cost Basis, charge-off				0		0
Total Loans and Leases, charge-off		0.2	0.2	0.2	0.6	0.7
Total consumer loans | Residential mortgages | Current
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		918		918		1,421
Fiscal year before current fiscal year		1,499		1,499		1,686
Two years before current fiscal year		1,642		1,642		1,516
Three years before current fiscal year		1,469		1,469		799
Four years before current fiscal year		763		763		343
Prior		1,109		1,109		819
Revolving Loans Amortized Cost Basis		1		1		1
Total Loans and Leases		7,401		7,401		6,585
Total consumer loans | Residential mortgages | Past due
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		1		1		3
Fiscal year before current fiscal year		8		8		6
Two years before current fiscal year		6		6		5
Three years before current fiscal year		6		6		3
Four years before current fiscal year		3		3		3
Prior		34		34		35
Revolving Loans Amortized Cost Basis		0		0		0
Total Loans and Leases		58		58		55
Total consumer loans | Indirect installment
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		256		256		313
Fiscal year before current fiscal year		272		272		395
Two years before current fiscal year		330		330		246
Three years before current fiscal year		195		195		102
Four years before current fiscal year		74		74		43
Prior		61		61		50
Revolving Loans Amortized Cost Basis		0		0		0
Total Loans and Leases		1,188		1,188		1,149
Current fiscal year, charge-off				0		0.4
Fiscal year before current fiscal year, charge-off				0.8		4.3
Two years before current fiscal year, charge-off				2.5		3.7
Three years before current fiscal year, charge-off				1.6		0.6
Four years before current fiscal year, charge-off				0.3		0.3
Prior, charge-off				0.2		1.4
Revolving Loans Amortized Cost Basis, charge-off				0		0
Total Loans and Leases, charge-off		2.5	2.2	5.4	4.8	10.7
Total consumer loans | Indirect installment | Current
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		256		256		311
Fiscal year before current fiscal year		269		269		387
Two years before current fiscal year		323		323		238
Three years before current fiscal year		188		188		100
Four years before current fiscal year		72		72		42
Prior		60		60		49
Revolving Loans Amortized Cost Basis		0		0		0
Total Loans and Leases		1,168		1,168		1,127
Total consumer loans | Indirect installment | Past due
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		0		0		2
Fiscal year before current fiscal year		3		3		8
Two years before current fiscal year		7		7		8
Three years before current fiscal year		7		7		2
Four years before current fiscal year		2		2		1
Prior		1		1		1
Revolving Loans Amortized Cost Basis		0		0		0
Total Loans and Leases		20		20		22
Total consumer loans | Consumer lines of credit
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		5		5		38
Fiscal year before current fiscal year		34		34		62
Two years before current fiscal year		57		57		15
Three years before current fiscal year		14		14		2
Four years before current fiscal year		3		3		3
Prior		128		128		130
Revolving Loans Amortized Cost Basis		1,080		1,080		1,047
Total Loans and Leases		1,321		1,321		1,297
Current fiscal year, charge-off				0		0.1
Fiscal year before current fiscal year, charge-off				0		0
Two years before current fiscal year, charge-off				0.1		0
Three years before current fiscal year, charge-off				0		0
Four years before current fiscal year, charge-off				0		0
Prior, charge-off				0.5		0.9
Revolving Loans Amortized Cost Basis, charge-off				0		0
Total Loans and Leases, charge-off		0.3	$ 0.3	0.6	$ 0.6	1
Total consumer loans | Consumer lines of credit | Current
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		5		5		38
Fiscal year before current fiscal year		34		34		61
Two years before current fiscal year		56		56		14
Three years before current fiscal year		13		13		2
Four years before current fiscal year		3		3		3
Prior		117		117		117
Revolving Loans Amortized Cost Basis		1,078		1,078		1,044
Total Loans and Leases		1,306		1,306		1,279
Total consumer loans | Consumer lines of credit | Past due
Financing Receivable, Credit Quality Indicator [Line Items]
Current fiscal year		0		0		0
Fiscal year before current fiscal year		0		0		1
Two years before current fiscal year		1		1		1
Three years before current fiscal year		1		1		0
Four years before current fiscal year		0		0		0
Prior		11		11		13
Revolving Loans Amortized Cost Basis		2		2		3
Total Loans and Leases		$ 15		$ 15		$ 18
[1] Amount represents loans for which we have elected the fair value option. See Note 18.

LOANS AND LEASES - Schedule o_4

LOANS AND LEASES - Schedule of Age Analysis of Past Due Loans (Details) - USD ($) $ in Millions		Jun. 30, 2024	Dec. 31, 2023
Financing Receivable, Past Due [Line Items]
Total Loans and Leases	[1]	$ 33,757	$ 32,323
90 Days Past Due and Still Accruing		11	12
Non-accrual loans		108	107
Non-accrual with No ACL		38	25
30-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		95	107
Past due
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		214	226
Current
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		33,543	32,097
Total commercial loans and leases
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		21,089	20,496
90 Days Past Due and Still Accruing		1	1
Non-accrual loans		83	84
Non-accrual with No ACL		38	25
Total commercial loans and leases | 30-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		24	33
Total commercial loans and leases | Past due
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		108	118
Total commercial loans and leases | Current
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		20,981	20,378
Total commercial loans and leases | Commercial real estate
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		12,664	12,305
90 Days Past Due and Still Accruing		0	0
Non-accrual loans		33	42
Non-accrual with No ACL		19	18
Total commercial loans and leases | Commercial real estate | 30-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		10	21
Total commercial loans and leases | Commercial real estate | Past due
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		43	63
Total commercial loans and leases | Commercial real estate | Current
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		12,621	12,242
Total commercial loans and leases | Commercial and industrial
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		7,597	7,482
90 Days Past Due and Still Accruing		0	0
Non-accrual loans		45	39
Non-accrual with No ACL		19	7
Total commercial loans and leases | Commercial and industrial | 30-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		9	9
Total commercial loans and leases | Commercial and industrial | Past due
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		54	48
Total commercial loans and leases | Commercial and industrial | Current
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		7,543	7,434
Total commercial loans and leases | Commercial leases
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		683	599
90 Days Past Due and Still Accruing		0	0
Non-accrual loans		3	3
Non-accrual with No ACL		0	0
Total commercial loans and leases | Commercial leases | 30-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		2	2
Total commercial loans and leases | Commercial leases | Past due
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		5	5
Total commercial loans and leases | Commercial leases | Current
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		678	594
Total commercial loans and leases | Other
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		145	110
90 Days Past Due and Still Accruing		1	1
Non-accrual loans		2	0
Non-accrual with No ACL		0	0
Total commercial loans and leases | Other | 30-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		3	1
Total commercial loans and leases | Other | Past due
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		6	2
Total commercial loans and leases | Other | Current
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		139	108
Total consumer loans
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		12,668	11,827
90 Days Past Due and Still Accruing		10	11
Non-accrual loans		25	23
Non-accrual with No ACL		0	0
Total consumer loans | 30-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		71	74
Total consumer loans | Past due
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		106	108
Total consumer loans | Current
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		12,562	11,719
Total consumer loans | Direct installment
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		2,700	2,741
90 Days Past Due and Still Accruing		1	1
Non-accrual loans		5	5
Non-accrual with No ACL		0	0
Total consumer loans | Direct installment | 30-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		7	7
Total consumer loans | Direct installment | Past due
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		13	13
Total consumer loans | Direct installment | Current
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		2,687	2,728
Total consumer loans | Residential mortgages
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		7,459	6,640
90 Days Past Due and Still Accruing		7	7
Non-accrual loans		12	10
Non-accrual with No ACL		0	0
Total consumer loans | Residential mortgages | 30-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		39	38
Total consumer loans | Residential mortgages | Past due
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		58	55
Total consumer loans | Residential mortgages | Current
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		7,401	6,585
Total consumer loans | Indirect installment
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		1,188	1,149
90 Days Past Due and Still Accruing		0	1
Non-accrual loans		2	2
Non-accrual with No ACL		0	0
Total consumer loans | Indirect installment | 30-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		18	19
Total consumer loans | Indirect installment | Past due
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		20	22
Total consumer loans | Indirect installment | Current
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		1,168	1,127
Total consumer loans | Consumer lines of credit
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		1,321	1,297
90 Days Past Due and Still Accruing		2	2
Non-accrual loans		6	6
Non-accrual with No ACL		0	0
Total consumer loans | Consumer lines of credit | 30-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		7	10
Total consumer loans | Consumer lines of credit | Past due
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		15	18
Total consumer loans | Consumer lines of credit | Current
Financing Receivable, Past Due [Line Items]
Total Loans and Leases		$ 1,306	$ 1,279
[1] Amount represents loans for which we have elected the fair value option. See Note 18.

LOANS AND LEASES - Schedule o_5

LOANS AND LEASES - Schedule of Non-Performing Assets (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	$ 108	$ 107
Non-Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	108	107
Total non-performing loans and leases	108	107
Other real estate owned	3	3
Total non-performing assets	$ 111	$ 110
Non-performing loans and leases / total loans and leases	0.32%	0.33%
Non-performing assets plus 90 days or more past due / total loans and leases plus OREO	0.36%	0.38%
Past due	90 days	90 days

LOANS AND LEASES - Schedule o_6

LOANS AND LEASES - Schedule of Loan Modifications (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 5.1	$ 14.5	$ 13.3	$ 18.4
Term Extension
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	4.6	13	5.9	16
Rate Reduction
Financing Receivable, Modified [Line Items]
Amortized Cost Basis			0.1
Term Extension and Rate Reduction
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	0.4	1.3	1.9	1.8
Balloon Payment
Financing Receivable, Modified [Line Items]
Amortized Cost Basis			0.6
Other
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	0.1	0.2	4.8	0.6
Direct installment | Term Extension
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 0.7	$ 0.3	$ 0.8	$ 0.4
% of Total Class of Financing Receivable	0.03%	0.01%	0.03%	0.01%
Term increase from modification	41 months		61 months
Direct installment | Term Extension and Rate Reduction
Financing Receivable, Modified [Line Items]
Amortized Cost Basis		$ 0.2		$ 0.3
% of Total Class of Financing Receivable		0.01%		0.01%
Term increase from modification		445 months		363 months
Residential mortgages | Term Extension
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 3.4	$ 1.5	$ 4.1	$ 1.6
% of Total Class of Financing Receivable	0.05%	0.02%	0.05%	0.03%
Term increase from modification	24 months	138 months	28 months	141 months
Residential mortgages | Rate Reduction
Financing Receivable, Modified [Line Items]
Amortized Cost Basis			$ 0.1
% of Total Class of Financing Receivable			0%
Term reduction from modification			1%
Residential mortgages | Term Extension and Rate Reduction
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 0.2	$ 0.4	$ 0.8	$ 0.7
% of Total Class of Financing Receivable	0%	0.01%	0.01%	0.01%
Term increase from modification		151 months
Term reduction from modification				2.78%
Residential mortgages | Other
Financing Receivable, Modified [Line Items]
Amortized Cost Basis				$ 0.1
% of Total Class of Financing Receivable				0%
Consumer lines of credit | Term Extension
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 0.5		$ 1	$ 0.2
% of Total Class of Financing Receivable	0.04%		0.08%	0.02%
Term increase from modification	162 months		208 months
Consumer lines of credit | Term Extension and Rate Reduction
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 0.2	$ 0.6	$ 0.2	$ 0.6
% of Total Class of Financing Receivable	0.02%	0.05%	0.02%	0.05%
Term reduction from modification		3.26%		3.26%
Consumer lines of credit | Other
Financing Receivable, Modified [Line Items]
Amortized Cost Basis		$ 0.2		$ 0.2
% of Total Class of Financing Receivable		0.02%		0.02%
Commercial real estate | Term Extension
Financing Receivable, Modified [Line Items]
Amortized Cost Basis		$ 11.2		$ 11.5
% of Total Class of Financing Receivable		0.10%		0.10%
Term increase from modification		22 months		22 months
Commercial real estate | Term Extension and Rate Reduction
Financing Receivable, Modified [Line Items]
Amortized Cost Basis			$ 0.9
% of Total Class of Financing Receivable			0.01%
Commercial real estate | Balloon Payment
Financing Receivable, Modified [Line Items]
Amortized Cost Basis			$ 0.6
% of Total Class of Financing Receivable			0%
Commercial real estate | Other
Financing Receivable, Modified [Line Items]
Amortized Cost Basis	$ 0.1		$ 4.2	$ 0.3
% of Total Class of Financing Receivable	0%		0.03%	0%
Commercial real estate | Other | Minimum
Financing Receivable, Modified [Line Items]
Term for payment deferrals	3 months		3 months
Commercial real estate | Other | Maximum
Financing Receivable, Modified [Line Items]
Term for payment deferrals	9 months		12 months
Commercial and industrial | Term Extension
Financing Receivable, Modified [Line Items]
Amortized Cost Basis				$ 2.3
% of Total Class of Financing Receivable				0.03%
Term increase from modification				12 months
Commercial and industrial | Term Extension and Rate Reduction
Financing Receivable, Modified [Line Items]
Amortized Cost Basis		$ 0.1		$ 0.2
% of Total Class of Financing Receivable		0%		0%
Term reduction from modification		4.87%		4.87%
Commercial and industrial | Other
Financing Receivable, Modified [Line Items]
Amortized Cost Basis			$ 0.6
% of Total Class of Financing Receivable			0.01%

LOANS AND LEASES - Schedule o_7

LOANS AND LEASES - Schedule of Loan Modifications, Subsequently Defaulted (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	$ 3	$ 0.6	$ 34.8	$ 3.2
Term Extension
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	1.9	0.4	22.7	2
Term Extension and Rate Reduction
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	0	0.1	1.1	0.5
Balloon Payment
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	0		0.6
Other
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	1.1	0.1	10.4	0.7
Total commercial loans and leases
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	1.5	0.6	33.1	2.8
Total commercial loans and leases | Term Extension
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	0.4	0.4	21	1.9
Total commercial loans and leases | Term Extension and Rate Reduction
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	0	0.1	1.1	0.2
Total commercial loans and leases | Balloon Payment
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	0		0.6
Total commercial loans and leases | Other
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	1.1	0.1	10.4	0.7
Total commercial loans and leases | Commercial real estate
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	0.6	0.5	11	1.1
Total commercial loans and leases | Commercial real estate | Term Extension
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	0.4	0.4	0.7	0.4
Total commercial loans and leases | Commercial real estate | Term Extension and Rate Reduction
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	0	0	0.9	0
Total commercial loans and leases | Commercial real estate | Balloon Payment
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	0		0.6
Total commercial loans and leases | Commercial real estate | Other
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	0.2	0.1	8.8	0.7
Total commercial loans and leases | Commercial and industrial
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	0.9	0.1	22.1	1.7
Total commercial loans and leases | Commercial and industrial | Term Extension
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	0	0	20.3	1.5
Total commercial loans and leases | Commercial and industrial | Term Extension and Rate Reduction
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	0	0.1	0.2	0.2
Total commercial loans and leases | Commercial and industrial | Balloon Payment
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	0		0
Total commercial loans and leases | Commercial and industrial | Other
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	0.9	$ 0	1.6	0
Total consumer loans
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	1.5		1.7	0.4
Total consumer loans | Term Extension
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	1.5		1.7	0.1
Total consumer loans | Term Extension and Rate Reduction
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	0		0	0.3
Total consumer loans | Balloon Payment
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	0		0
Total consumer loans | Other
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	0		0	0
Total consumer loans | Residential mortgages
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	1.5		1.7	0.3
Total consumer loans | Residential mortgages | Term Extension
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	1.5		1.7	0
Total consumer loans | Residential mortgages | Term Extension and Rate Reduction
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	0		0	0.3
Total consumer loans | Residential mortgages | Balloon Payment
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	0		0
Total consumer loans | Residential mortgages | Other
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted	$ 0		$ 0	0
Total consumer loans | Consumer lines of credit
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted				0.1
Total consumer loans | Consumer lines of credit | Term Extension
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted				0.1
Total consumer loans | Consumer lines of credit | Term Extension and Rate Reduction
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted				0
Total consumer loans | Consumer lines of credit | Other
Financing Receivable, Modified [Line Items]
Total loans that subsequently defaulted				$ 0

LOANS AND LEASES - Schedule o_8

LOANS AND LEASES - Schedule of Loan Modifications, Aging Analysis (Details) - USD ($) $ in Millions	Jun. 30, 2024	Jun. 30, 2023
Current
Financing Receivable, Modified [Line Items]
Total	$ 39.5	$ 17
30-89 Days Past Due
Financing Receivable, Modified [Line Items]
Total	4.1	1.4
90+ Days Past Due
Financing Receivable, Modified [Line Items]
Total	1.2	0
Total commercial loans and leases | Current
Financing Receivable, Modified [Line Items]
Total	33.3	13.6
Total commercial loans and leases | 30-89 Days Past Due
Financing Receivable, Modified [Line Items]
Total	0	0.8
Total commercial loans and leases | 90+ Days Past Due
Financing Receivable, Modified [Line Items]
Total	0	0
Total commercial loans and leases | Commercial real estate | Current
Financing Receivable, Modified [Line Items]
Total	14.8	11.9
Total commercial loans and leases | Commercial real estate | 30-89 Days Past Due
Financing Receivable, Modified [Line Items]
Total	0	0
Total commercial loans and leases | Commercial real estate | 90+ Days Past Due
Financing Receivable, Modified [Line Items]
Total	0	0
Total commercial loans and leases | Commercial and industrial | Current
Financing Receivable, Modified [Line Items]
Total	18.5	1.7
Total commercial loans and leases | Commercial and industrial | 30-89 Days Past Due
Financing Receivable, Modified [Line Items]
Total	0	0.8
Total commercial loans and leases | Commercial and industrial | 90+ Days Past Due
Financing Receivable, Modified [Line Items]
Total	0	0
Total consumer loans | Current
Financing Receivable, Modified [Line Items]
Total	6.2	3.4
Total consumer loans | 30-89 Days Past Due
Financing Receivable, Modified [Line Items]
Total	4.1	0.6
Total consumer loans | 90+ Days Past Due
Financing Receivable, Modified [Line Items]
Total	1.2	0
Total consumer loans | Direct installment | Current
Financing Receivable, Modified [Line Items]
Total	1.3	0.6
Total consumer loans | Direct installment | 30-89 Days Past Due
Financing Receivable, Modified [Line Items]
Total	0.8	0.1
Total consumer loans | Direct installment | 90+ Days Past Due
Financing Receivable, Modified [Line Items]
Total	0	0
Total consumer loans | Residential mortgages | Current
Financing Receivable, Modified [Line Items]
Total	3.3	1.8
Total consumer loans | Residential mortgages | 30-89 Days Past Due
Financing Receivable, Modified [Line Items]
Total	2.9	0.5
Total consumer loans | Residential mortgages | 90+ Days Past Due
Financing Receivable, Modified [Line Items]
Total	1.2	0
Total consumer loans | Consumer lines of credit | Current
Financing Receivable, Modified [Line Items]
Total	1.6	1
Total consumer loans | Consumer lines of credit | 30-89 Days Past Due
Financing Receivable, Modified [Line Items]
Total	0.4	0
Total consumer loans | Consumer lines of credit | 90+ Days Past Due
Financing Receivable, Modified [Line Items]
Total	$ 0	$ 0

ALLOWANCE FOR CREDIT LOSSES O_3

ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LEASES - Schedule of Changes in Allowance for Credit Losses (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Allowance for Loan and Lease Losses [Roll Forward]
Balance at Beginning of Period			$ 406
Charge- Offs			(27.8)		$ (81.1)
Provision for Credit Losses	$ 20.2	$ 18.5	34.1	$ 32.6
Balance at End of Period	419		419		406
Commercial and industrial
Allowance for Loan and Lease Losses [Roll Forward]
Provision for Credit Losses		32
Unfunded loan commitment
Allowance for Loan and Lease Losses [Roll Forward]
Balance at Beginning of Period	21.9	20.5	21.5	21.4	21.4
Charge- Offs	0	0	0	0
Recoveries	0	0	0	0
Net (Charge- Offs) Recoveries	0	0	0	0
Provision for Credit Losses	(0.1)	0.5	0.3	(0.4)
Balance at End of Period	21.8	21	21.8	21	21.5
Total commercial loans and leases
Allowance for Loan and Lease Losses [Roll Forward]
Balance at Beginning of Period	275.3	279.7	279.3	281.7	281.7
Charge- Offs	(8.9)	(8.9)	(21)	(22)
Recoveries	3.2	2.2	4.7	4.4
Net (Charge- Offs) Recoveries	(5.7)	(6.7)	(16.3)	(17.6)
Provision for Credit Losses	8.5	14.5	15.1	23.4
Balance at End of Period	278.1	287.5	278.1	287.5	279.3
Total commercial loans and leases | Commercial real estate
Allowance for Loan and Lease Losses [Roll Forward]
Balance at Beginning of Period	161.9	159.2	166.6	162.1	162.1
Charge- Offs	(3.2)	(1.8)	(10.3)	(8.3)	(12.4)
Recoveries	0.8	1.3	1.2	2.3
Net (Charge- Offs) Recoveries	(2.4)	(0.5)	(9.1)	(6)
Provision for Credit Losses	(1.8)	(4.5)	0.2	(1.9)
Balance at End of Period	157.7	154.2	157.7	154.2	166.6
Total commercial loans and leases | Commercial and industrial
Allowance for Loan and Lease Losses [Roll Forward]
Balance at Beginning of Period	86.9	101.7	87.8	102.1	102.1
Charge- Offs	(4.7)	(5.5)	(8.6)	(11.3)	(51.2)
Recoveries	1.7	0.7	2.5	1.6
Net (Charge- Offs) Recoveries	(3)	(4.8)	(6.1)	(9.7)
Provision for Credit Losses	9.6	17.4	11.8	21.9
Balance at End of Period	93.5	114.3	93.5	114.3	87.8
Total commercial loans and leases | Commercial leases
Allowance for Loan and Lease Losses [Roll Forward]
Balance at Beginning of Period	22.4	14.8	21.2	13.5	13.5
Charge- Offs	0	0	(0.2)	0	0
Recoveries	0.1	0	0.1	0
Net (Charge- Offs) Recoveries	0.1	0	(0.1)	0
Provision for Credit Losses	0.4	0.4	1.8	1.7
Balance at End of Period	22.9	15.2	22.9	15.2	21.2
Total commercial loans and leases | Other
Allowance for Loan and Lease Losses [Roll Forward]
Balance at Beginning of Period	4.1	4	3.7	4	4
Charge- Offs	(1)	(1.6)	(1.9)	(2.4)	(4.5)
Recoveries	0.6	0.2	0.9	0.5
Net (Charge- Offs) Recoveries	(0.4)	(1.4)	(1)	(1.9)
Provision for Credit Losses	0.3	1.2	1.3	1.7
Balance at End of Period	4	3.8	4	3.8	3.7
Total commercial loans and leases | Unfunded loan commitment
Allowance for Loan and Lease Losses [Roll Forward]
Provision for Credit Losses	(0.1)	0.5	0.4	(0.4)
Total consumer loans
Allowance for Loan and Lease Losses [Roll Forward]
Balance at Beginning of Period	131	123.7	126.3	120	120
Charge- Offs	(3.4)	(2.8)	(6.8)	(6.4)
Recoveries	1.3	0.8	2.5	2.1
Net (Charge- Offs) Recoveries	(2.1)	(2)	(4.3)	(4.3)
Provision for Credit Losses	11.8	3.5	18.7	9.5
Balance at End of Period	140.7	125.2	140.7	125.2	126.3
Total consumer loans | Direct installment
Allowance for Loan and Lease Losses [Roll Forward]
Balance at Beginning of Period	30.6	36.2	33.8	35.9	35.9
Charge- Offs	(0.4)	(0.1)	(0.6)	(0.4)	(0.6)
Recoveries	0.2	0.1	0.4	0.3
Net (Charge- Offs) Recoveries	(0.2)	0	(0.2)	(0.1)
Provision for Credit Losses	0.5	(0.6)	(2.7)	(0.2)
Balance at End of Period	30.9	35.6	30.9	35.6	33.8
Total consumer loans | Residential mortgages
Allowance for Loan and Lease Losses [Roll Forward]
Balance at Beginning of Period	79.3	60.4	70.5	55.5	55.5
Charge- Offs	(0.2)	(0.2)	(0.2)	(0.6)	(0.7)
Recoveries	0.1	0	0.1	0.2
Net (Charge- Offs) Recoveries	(0.1)	(0.2)	(0.1)	(0.4)
Provision for Credit Losses	9	3.2	17.8	8.3
Balance at End of Period	88.2	63.4	88.2	63.4	70.5
Total consumer loans | Indirect installment
Allowance for Loan and Lease Losses [Roll Forward]
Balance at Beginning of Period	12.5	16.6	12.8	17.3	17.3
Charge- Offs	(2.5)	(2.2)	(5.4)	(4.8)	(10.7)
Recoveries	0.9	0.5	1.5	1.1
Net (Charge- Offs) Recoveries	(1.6)	(1.7)	(3.9)	(3.7)
Provision for Credit Losses	2.2	1.7	4.2	3
Balance at End of Period	13.1	16.6	13.1	16.6	12.8
Total consumer loans | Consumer lines of credit
Allowance for Loan and Lease Losses [Roll Forward]
Balance at Beginning of Period	8.6	10.5	9.2	11.3	11.3
Charge- Offs	(0.3)	(0.3)	(0.6)	(0.6)	(1)
Recoveries	0.1	0.2	0.5	0.5
Net (Charge- Offs) Recoveries	(0.2)	(0.1)	(0.1)	(0.1)
Provision for Credit Losses	0.1	(0.8)	(0.6)	(1.6)
Balance at End of Period	8.5	9.6	8.5	9.6	9.2
Total consumer loans | Unfunded loan commitment
Allowance for Loan and Lease Losses [Roll Forward]
Provision for Credit Losses	0	0	(0.1)	0
Allowance for credit losses on loans and leases
Allowance for Loan and Lease Losses [Roll Forward]
Balance at Beginning of Period	406.3	403.4	405.6	401.7	401.7
Charge- Offs	(12.3)	(11.7)	(27.8)	(28.4)
Recoveries	4.5	3	7.2	6.5
Net (Charge- Offs) Recoveries	(7.8)	(8.7)	(20.6)	(21.9)
Provision for Credit Losses	20.3	18	33.8	32.9
Balance at End of Period	418.8	412.7	418.8	412.7	405.6
Allowance for credit losses on loans and leases and allowance for unfunded loan commitments
Allowance for Loan and Lease Losses [Roll Forward]
Balance at Beginning of Period	428.2	423.9	427.1	423.1	423.1
Charge- Offs	(12.3)	(11.7)	(27.8)	(28.4)
Recoveries	4.5	3	7.2	6.5
Net (Charge- Offs) Recoveries	(7.8)	(8.7)	(20.6)	(21.9)
Provision for Credit Losses	20.2	18.5	34.1	32.5
Balance at End of Period	$ 440.6	$ 433.7	$ 440.6	$ 433.7	$ 427.1

ALLOWANCE FOR CREDIT LOSSES O_4

ALLOWANCE FOR CREDIT LOSSES ON LOANS AND LEASES - Additional Information (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Line Items]
Percentage of increase, housing price index	7.20%		7.20%			5.30%
Percentage of increase, commercial real estate price index	5.90%		5.90%			0.10%
Percentage of increase (decline), S&P volatility in next fiscal year	12.30%		12.30%			(4.00%)
Percentage of decline, S&P volatility in next second year	0.80%		0.80%			2.90%
Allowance for credit loss	$ 419		$ 419			$ 406
Financing receivable, provision for credit losses	20.2	$ 18.5	34.1	$ 32.6
Financing receivable, allowance for credit loss, specific reserves		13
Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing receivable, provision for credit losses		32
Allowance for credit losses on loans and leases
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit loss	$ 418.8	412.7	418.8	412.7	$ 406.3	$ 405.6	$ 403.4	$ 401.7
Financing receivable, allowance for credit loss, period increase			$ 13.2
Financing receivable, allowance for credit loss, period decrease, percentage			3.30%
Financing receivable, allowance for credit loss, ratio	1.24%		1.24%			1.25%
Financing receivable, provision for credit losses	$ 20.3	18	$ 33.8	32.9
Financing receivable, allowance for credit loss, net charge-offs (recovery)	$ 7.8	$ 8.7	$ 20.6	$ 21.9
Financing receivable, allowance for credit loss, net charge-offs (recovery), percentage	0.09%	0.11%	0.13%	0.14%

LOAN SERVICING - Schedule of Ac

LOAN SERVICING - Schedule of Activity in MSR (Details) - Mortgage Servicing Rights - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Servicing Assets at Fair Value [Line Items]
Mortgage loans sold with servicing retained	$ 6,095,000,000		$ 6,095,000,000		$ 5,729,000,000
Mortgage loans sold with servicing retained	306,000,000	$ 261,000,000	622,000,000	$ 459,000,000
Pre-tax net gains (losses) resulting from above loan sales	5,000,000	1,000,000	11,000,000	1,000,000
Mortgage servicing fees	3,000,000	4,000,000	7,000,000	7,000,000
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Balance at beginning of period	62,500,000	54,300,000	59,500,000	52,800,000
Additions	3,900,000	2,700,000	7,800,000	5,200,000
Payoffs and curtailments	(800,000)	0	(1,300,000)	(300,000)
Impairment (charge) / recovery	0	0	200,000	0
Amortization / other	(500,000)	(1,300,000)	(1,100,000)	(2,000,000)
Balance at end of period	65,100,000	55,700,000	65,100,000	55,700,000
Fair value, beginning of period	75,200,000	67,800,000	71,800,000	68,600,000
Fair value, end of period	78,000,000	$ 72,100,000	78,000,000	$ 72,100,000
Valuation allowance for servicing rights	$ 0		$ 0		$ 200,000

LOAN SERVICING - Schedule of Se

LOAN SERVICING - Schedule of Sensitivity of Fair Value to Changes in Key Assumptions (Details) - Mortgage Servicing Rights - USD ($) $ in Millions	6 Months Ended	12 Months Ended
	Jun. 30, 2024	Dec. 31, 2023
Assumption for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Line Items]
Weighted average life (months)	92 months	92 months
Constant prepayment rate (annualized)	8.10%	7.90%
Discount rate	10.20%	10.20%
Sensitivity analysis of fair value, change in interest rates, plus 2.00%	$ 8	$ 7
Sensitivity analysis of fair value, change in interest rates, plus 1.00%	6	5
Sensitivity analysis of fair value, change in interest rates, plus 0.50%	4	3
Sensitivity analysis of fair value, change in interest rates, plus 0.25%	2	2
Sensitivity analysis of fair value, change in interest rates, minus 0.25%	(2)	(2)
Sensitivity analysis of fair value, change in interest rates, minus 0.50%	(5)	(4)
Sensitivity analysis of fair value, change in interest rates, minus 1.00%	(10)	(8)
Sensitivity analysis of fair value, change in interest rates, minus 2.00%	(19)	(21)
Sensitivity analysis of fair value, change in interest rates, minus 3.00%	$ (36)	$ (42)

LEASES - Additional Information

LEASES - Additional Information (Details) $ in Millions	Jun. 30, 2024 USD ($) option
Lessee, Lease, Description [Line Items]
Operating lease, right-of-use asset	$ 199.3
Operating lease, liability	240.4
Finance lease right-of-use asset	34.6
Finance lease liability	36.2
Operating Lease, Lease Not yet Commenced
Lessee, Lease, Description [Line Items]
Lessee, operating lease, lease not yet commenced, right-of-use asset	8
Lessee, operating lease, lease not yet commenced, liability	$ 8.3
Minimum
Lessee, Lease, Description [Line Items]
Lessee, operating lease, number of options to renew | option	1
Lessee, finance lease, number of options to renew | option	1
Maximum
Lessee, Lease, Description [Line Items]
Lessee, operating lease, lease not yet commenced, term of contract	20 years

LEASES - Schedule of Lease Expe

LEASES - Schedule of Lease Expense (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Leases [Abstract]
Operating lease cost	$ 9	$ 8	$ 19	$ 16
Variable lease cost	2	1	3	2
Finance lease cost	1	1	2	2
Total lease cost	$ 12	$ 10	$ 24	$ 20

LEASES - Schedule of Other Info

LEASES - Schedule of Other Information (Details) - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$ 15	$ 7
Operating cash flows from finance leases	1	0
Right-of-use assets obtained in exchange for lease obligations:
Operating leases	25	0
Finance leases	$ 4	$ 0
Weighted average remaining lease term (years):
Operating leases	11 years	9 years 1 month 9 days
Finance leases	19 years	19 years 11 months 19 days
Weighted average discount rate:
Operating leases	3.80%	2.70%
Finance leases	3.40%	3.10%

LEASES - Schedule of Future Cas

LEASES - Schedule of Future Cash Flow of Lease Liabilities (Details) $ in Millions	Jun. 30, 2024 USD ($)
Operating Leases
0 - 12 months	$ 35
13 - 24 months	30
25 - 36 months	27
37 - 48 months	25
49 - 60 months	23
Later years	164
Total lease payments	304
Less: imputed interest	(64)
Present value of lease liabilities	240.4
Finance Leases
0 - 12 months	2
13 - 24 months	2
25 - 36 months	2
37 - 48 months	3
49 - 60 months	3
Later years	37
Total lease payments	49
Less: imputed interest	(13)
Present value of lease liabilities	36.2
Total Leases
0 - 12 months	37
13 - 24 months	32
25 - 36 months	29
37 - 48 months	28
49 - 60 months	26
Later years	201
Total lease payments	353
Less: imputed interest	(77)
Present value of lease liabilities	$ 276

VARIABLE INTEREST ENTITIES - Sc

VARIABLE INTEREST ENTITIES - Schedule of Assets and Liabilities (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023	Jun. 30, 2023
Variable Interest Entity [Line Items]
Total Assets	$ 47,715	$ 46,158	$ 44,778
Total Liabilities	41,625	40,108
Variable Interest Entity, Primary Beneficiary
Variable Interest Entity [Line Items]
Total Assets	205	186
Total Liabilities	154	141
Maximum Exposure to Loss	202	183
Variable Interest Entity, Primary Beneficiary | Trust preferred securities
Variable Interest Entity [Line Items]
Total Assets	3	3
Total Liabilities	73	73
Maximum Exposure to Loss	0	0
Variable Interest Entity, Primary Beneficiary | Tax credit partnerships
Variable Interest Entity [Line Items]
Total Assets	174	143
Total Liabilities	81	62
Maximum Exposure to Loss	174	143
Variable Interest Entity, Primary Beneficiary | Other investments
Variable Interest Entity [Line Items]
Total Assets	28	40
Total Liabilities	0	6
Maximum Exposure to Loss	$ 28	$ 40

VARIABLE INTEREST ENTITIES - _2

VARIABLE INTEREST ENTITIES - Schedule of Trust-Preferred Securities (Details)	6 Months Ended
	Jun. 30, 2024
Trust Preferred Securities | Maximum
Variable Interest Entity [Line Items]
Deferral period for payment of interest	5 years

VARIABLE INTEREST ENTITIES - _3

VARIABLE INTEREST ENTITIES - Schedule of Affordable Housing, Historic And New Market Tax Credit Partnerships (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Tax credit investments included in other assets	$ 93	$ 81
Unfunded tax credit investments	$ 81	$ 62

VARIABLE INTEREST ENTITIES - _4

VARIABLE INTEREST ENTITIES - Schedule of Income Statement Effect (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Provision for income taxes:
Amortization of tax credit investments under proportional method	$ 6	$ 4	$ 11	$ 8
Tax credits from tax credit investments	(6)	(4)	(11)	(8)
Other tax benefits related to tax credit investments	(1)	0	(2)	(1)
Total impact on provision for income taxes	$ (1)	$ 0	$ (2)	$ (1)

BORROWINGS - Schedule of Short-

BORROWINGS - Schedule of Short-Term Borrowings (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Debt Disclosure [Abstract]
Securities sold under repurchase agreements	$ 201	$ 233
Federal Home Loan Bank advances	2,990	1,900
Federal funds purchased	298	260
Subordinated notes	127	113
Total short-term borrowings	$ 3,616	$ 2,506

BORROWINGS - Additional Informa

BORROWINGS - Additional Information (Details) $ in Millions	3 Months Ended	6 Months Ended
	Jun. 30, 2024 USD ($) trust	Jun. 30, 2024 USD ($) trust	Dec. 31, 2023 USD ($)
Debt Instrument [Line Items]
Short-term advances	$ 200	$ 200	$ 400
Short-term advances, overnight maturities, percentage	6.70%	6.70%	21.10%
Federal home loan bank, advances, interest rate	0.331%	0.331%
Number of unconsolidated subsidiary trusts | trust	4	4
Trust Preferred Securities
Debt Instrument [Line Items]
Basis points, interest rate, type [Extensible Enumeration]		Secured Overnight Financing Rate (SOFR) [Member]
Tenor spread adjustment		0.0026
FHLB
Debt Instrument [Line Items]
Credit available with FHLB	$ 11,600	$ 11,600
Credit with FHLB utilized	4,200	4,200
FHLB | Letter of Credit
Debt Instrument [Line Items]
Credit with FHLB utilized	450	450
Other Wholesale Credit
Debt Instrument [Line Items]
Remaining borrowing capacity	$ 7,900	$ 7,900
Maximum | FHLB
Debt Instrument [Line Items]
Effective interest rates	4.88%	4.88%	4.88%
Minimum | FHLB
Debt Instrument [Line Items]
Effective interest rates	4.23%	4.23%	4.23%
FHLB
Debt Instrument [Line Items]
Short-term advances	$ 840	$ 840	$ 450
Short-term advances, overnight maturities, percentage	28.10%	28.10%	23.70%
Basis points, interest rate, type [Extensible Enumeration]	Secured Overnight Financing Rate (SOFR) [Member]
Other Subordinated Debt | Maximum
Debt Instrument [Line Items]
Debt term		1 year

BORROWINGS - Schedule of Long-T

BORROWINGS - Schedule of Long-Term Borrowings (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Debt Disclosure [Abstract]
Federal Home Loan Bank advances	$ 1,250	$ 1,200
Senior notes	349	349
Subordinated notes	77	82
Junior subordinated debt	73	73
Other subordinated debt	267	267
Total long-term borrowings	$ 2,016	$ 1,971

BORROWINGS - Schedule of Subord

BORROWINGS - Schedule of Subordinated Debt (Details) $ in Millions	6 Months Ended
	Jun. 30, 2024 USD ($)
Debt Instrument [Line Items]
Aggregate Principal Amount Issued	$ 620
Net Proceeds	613
Carrying Value	616
Senior Notes
Debt Instrument [Line Items]
Aggregate Principal Amount Issued	350
Net Proceeds	347
Carrying Value	349
Other Subordinated Debt
Debt Instrument [Line Items]
Aggregate Principal Amount Issued	270
Net Proceeds	266
Carrying Value	$ 267
5.150% Senior Notes due August 25, 2025 | Senior Notes
Debt Instrument [Line Items]
Interest Rate	5.15%
Aggregate Principal Amount Issued	$ 350
Net Proceeds	347
Carrying Value	$ 349
7.968% Fixed-To-Floating Rate Subordinated Notes due 2029 | Other Subordinated Debt
Debt Instrument [Line Items]
Interest Rate	7.984%
Aggregate Principal Amount Issued	$ 120
Net Proceeds	118
Carrying Value	$ 119
Basis points, interest rate, type [Extensible Enumeration]	Secured Overnight Financing Rate (SOFR) [Member]
Basis points, tenor spread adjustment	0.0026
Basis points, spread	2.40%
4.875% Subordinated Notes due 2025 | Other Subordinated Debt
Debt Instrument [Line Items]
Interest Rate	4.875%
Aggregate Principal Amount Issued	$ 100
Net Proceeds	98
Carrying Value	$ 100
8.605% Fixed-To-Floating Rate Subordinated Notes due December 6, 2028 | Other Subordinated Debt
Debt Instrument [Line Items]
Interest Rate	8.62%
Aggregate Principal Amount Issued	$ 25
Net Proceeds	26
Carrying Value	$ 24
Basis points, interest rate, type [Extensible Enumeration]	Secured Overnight Financing Rate (SOFR) [Member]
Basis points, tenor spread adjustment	0.0026
Basis points, spread	3.02%
5.000% Fixed-To-Floating Rate Subordinated Note due May 29, 2030 | Other Subordinated Debt
Debt Instrument [Line Items]
Interest Rate	5%
Aggregate Principal Amount Issued	$ 25
Net Proceeds	24
Carrying Value	$ 24
Basis points, interest rate, type [Extensible Enumeration]	Secured Overnight Financing Rate (SOFR) [Member]
Basis points, spread	4.64%

BORROWINGS - Schedule of Junior

BORROWINGS - Schedule of Junior Subordinated Debt Trusts (Details) - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2024	Dec. 31, 2023
Subordinated Borrowing [Line Items]
Junior subordinated debt	$ 73	$ 73
Trust Preferred Securities
Subordinated Borrowing [Line Items]
Junior subordinated debt	$ 77
Basis points, interest rate, type [Extensible Enumeration]	Secured Overnight Financing Rate (SOFR) [Member]
Common Securities
Subordinated Borrowing [Line Items]
Junior subordinated debt	$ 3
F.N.B. Statutory Trust II
Subordinated Borrowing [Line Items]
Junior subordinated debt	$ 22
Interest Rate	7.25%
Basis points, interest rate, type [Extensible Enumeration]	Secured Overnight Financing Rate (SOFR) [Member]
Basis points	1.65%
F.N.B. Statutory Trust II | Trust Preferred Securities
Subordinated Borrowing [Line Items]
Junior subordinated debt	$ 22
F.N.B. Statutory Trust II | Common Securities
Subordinated Borrowing [Line Items]
Junior subordinated debt	1
Yadkin Valley Statutory Trust I
Subordinated Borrowing [Line Items]
Junior subordinated debt	$ 23
Interest Rate	6.92%
Basis points, interest rate, type [Extensible Enumeration]	Secured Overnight Financing Rate (SOFR) [Member]
Basis points	1.32%
Yadkin Valley Statutory Trust I | Trust Preferred Securities
Subordinated Borrowing [Line Items]
Junior subordinated debt	$ 25
Yadkin Valley Statutory Trust I | Common Securities
Subordinated Borrowing [Line Items]
Junior subordinated debt	1
FNB Financial Services Capital Trust I
Subordinated Borrowing [Line Items]
Junior subordinated debt	$ 23
Interest Rate	7.05%
Basis points, interest rate, type [Extensible Enumeration]	Secured Overnight Financing Rate (SOFR) [Member]
Basis points	1.46%
FNB Financial Services Capital Trust I | Trust Preferred Securities
Subordinated Borrowing [Line Items]
Junior subordinated debt	$ 25
FNB Financial Services Capital Trust I | Common Securities
Subordinated Borrowing [Line Items]
Junior subordinated debt	1
Patapsco Statutory Trust I
Subordinated Borrowing [Line Items]
Junior subordinated debt	$ 5
Interest Rate	7.08%
Basis points, interest rate, type [Extensible Enumeration]	Secured Overnight Financing Rate (SOFR) [Member]
Basis points	1.48%
Patapsco Statutory Trust I | Trust Preferred Securities
Subordinated Borrowing [Line Items]
Junior subordinated debt	$ 5
Patapsco Statutory Trust I | Common Securities
Subordinated Borrowing [Line Items]
Junior subordinated debt	$ 0

DERIVATIVE INSTRUMENTS AND HE_3

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES - Schedule of Notional Amounts and Gross Fair Values (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Derivatives, Fair Value [Line Items]
Notional amount	$ 14,663	$ 14,282
Derivative asset, not offset against collateral	104	75
Derivative liability, not offset against collateral	19	35
Derivative asset, not subject to master netting arrangement	20	41
Derivative liability, not subject to master netting arrangement	337	293
Fair value, asset	124	116
Fair value, liability	356	328
Interest rate contracts – designated
Derivatives, Fair Value [Line Items]
Derivative asset, not offset against collateral	0	1
Derivative liability, not offset against collateral	3	0
Interest rate swaps – not designated
Derivatives, Fair Value [Line Items]
Derivative asset, not offset against collateral	104	74
Derivative liability, not offset against collateral	16	35
Derivative asset, not subject to master netting arrangement	16	35
Derivative liability, not subject to master netting arrangement	336	289
Interest rate lock commitments – not designated
Derivatives, Fair Value [Line Items]
Derivative asset, not subject to master netting arrangement	3	5
Derivative liability, not subject to master netting arrangement	0	0
Forward delivery commitments – not designated
Derivatives, Fair Value [Line Items]
Derivative asset, not subject to master netting arrangement	1	1
Derivative liability, not subject to master netting arrangement	1	4
Credit risk contracts – not designated
Derivatives, Fair Value [Line Items]
Notional amount	603.9
Derivative asset, not subject to master netting arrangement	0	0
Derivative liability, not subject to master netting arrangement	0	0
Subject to master netting arrangements:
Derivatives, Fair Value [Line Items]
Notional amount	7,406	7,460
Subject to master netting arrangements: | Interest rate contracts – designated
Derivatives, Fair Value [Line Items]
Notional amount	1,600	1,800
Subject to master netting arrangements: | Interest rate swaps – not designated
Derivatives, Fair Value [Line Items]
Notional amount	5,806	5,660
Not subject to master netting arrangements:
Derivatives, Fair Value [Line Items]
Notional amount	7,257	6,822
Not subject to master netting arrangements: | Interest rate swaps – not designated
Derivatives, Fair Value [Line Items]
Notional amount	5,806	5,660
Not subject to master netting arrangements: | Interest rate lock commitments – not designated
Derivatives, Fair Value [Line Items]
Notional amount	323	239
Not subject to master netting arrangements: | Forward delivery commitments – not designated
Derivatives, Fair Value [Line Items]
Notional amount	366	294
Not subject to master netting arrangements: | Credit risk contracts – not designated
Derivatives, Fair Value [Line Items]
Notional amount	$ 762	$ 629

DERIVATIVE INSTRUMENTS AND HE_4

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES - Schedule of Amounts Reclassified from AOCI (Details) - Interest rate contracts - USD ($)	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Amount of Gain (Loss) Recognized in OCI on Derivatives	$ (15,000,000)	$ (13,000,000)
Amount of Gain (Loss) Reclassified from AOCI into Income	0	0
Interest income (expense)
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Amount of Gain (Loss) Reclassified from AOCI into Income	(19,000,000)	(9,000,000)
Other income
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Amount of Gain (Loss) Reclassified from AOCI into Income	$ 0	$ 0

DERIVATIVE INSTRUMENTS AND HE_5

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES - Schedule of Effect of Cash Flow Hedging on Income Statement (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Derivative [Line Items]
Interest Income - Loans and Leases	$ 494,000,000	$ 429,000,000	$ 975,000,000	$ 823,000,000
Interest Expense - Short-Term Borrowings	$ 32,000,000	$ 22,000,000	60,000,000	32,000,000
Interest rate contracts
Derivative [Line Items]
Amount of gain (loss) reclassified from AOCI into net income			0	0
Interest rate contracts | Interest Income - Loans and Leases
Derivative [Line Items]
Amount of gain (loss) reclassified from AOCI into net income			(25,000,000)	(21,000,000)
Interest rate contracts | Interest Expense - Short-Term Borrowings
Derivative [Line Items]
Amount of gain (loss) reclassified from AOCI into net income			$ 6,000,000	$ 12,000,000

DERIVATIVE INSTRUMENTS AND HE_6

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES - Additional Information (Details) - USD ($)	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Derivative [Line Items]
Notional amount	$ 14,663,000,000		$ 14,282,000,000
Additional amount in excess of posted collateral required in case of breached agreements	$ 0		0
Interest rate contracts
Derivative [Line Items]
Maximum length of time hedged in interest rate cash flow hedge	1 year 9 months 18 days
Period to reclassification of cash flow hedge gain loss	12 months
Derivative loss to be reclassified within twelve months	$ 35,900,000
Derivative loss to be reclassified within twelve months, net of tax	27,800,000
Derivative gain or losses excluded from assessment of hedge effectiveness	0
Amount of gain (loss) reclassified from AOCI into net income	0	$ 0
Credit risk contracts
Derivative [Line Items]
Notional amount	603,900,000
Maximum exposure under credit risk agreement assuming customer default	100,000		100,000
Credit risk derivatives, purchased at fair value	100,000		200,000
Credit risk derivatives, sold at fair value	$ 100,000		$ 100,000
Credit risk contracts | Minimum
Derivative [Line Items]
Risk participation agreements, term	1 month
Credit risk contracts | Maximum
Derivative [Line Items]
Risk participation agreements, term	17 years

DERIVATIVE INSTRUMENTS AND HE_7

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES - Schedule of Effect of Derivative Financial Instruments on Income Statement (Details) - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Interest rate swaps
Derivative [Line Items]
Derivative financial instrument, net	$ 0	$ 0
Interest rate lock commitments
Derivative [Line Items]
Derivative financial instrument, net	0	0
Forward delivery contracts
Derivative [Line Items]
Derivative financial instrument, net	4	3
Credit risk contracts
Derivative [Line Items]
Derivative financial instrument, net	$ 0	$ 0

DERIVATIVE INSTRUMENTS AND HE_8

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES - Schedule of Derivative Assets (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Derivative [Line Items]
Net Amount Presented in the Consolidated Balance Sheets	$ 104	$ 75
Financial Instruments	0	0
Cash Collateral	103	75
Net Amount	1	0
Interest rate contracts – designated
Derivative [Line Items]
Net Amount Presented in the Consolidated Balance Sheets	0	1
Financial Instruments		0
Cash Collateral		1
Net Amount		0
Interest rate swaps – not designated
Derivative [Line Items]
Net Amount Presented in the Consolidated Balance Sheets	104	74
Financial Instruments	0	0
Cash Collateral	103	74
Net Amount	$ 1	$ 0

DERIVATIVE INSTRUMENTS AND HE_9

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES - Schedule of Derivative Liabilities (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Derivative [Line Items]
Net Amount Presented in the Consolidated Balance Sheets	$ 19	$ 35
Financial Instruments	0	0
Cash Collateral	19	35
Net Amount	0	0
Interest rate contracts – designated
Derivative [Line Items]
Net Amount Presented in the Consolidated Balance Sheets	3	0
Financial Instruments	0
Cash Collateral	3
Net Amount	0
Interest rate swaps – not designated
Derivative [Line Items]
Net Amount Presented in the Consolidated Balance Sheets	16	35
Financial Instruments	0	0
Cash Collateral	16	35
Net Amount	$ 0	$ 0

COMMITMENTS, CREDIT RISK AND _3

COMMITMENTS, CREDIT RISK AND CONTINGENCIES - Schedule of Off-Balance Sheet Credit Risk Information (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Standby letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Extended credit and standby letters of credit	$ 253	$ 257
Commitments to extend credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Extended credit and standby letters of credit	$ 14,103	$ 13,656

COMMITMENTS, CREDIT RISK AND _4

COMMITMENTS, CREDIT RISK AND CONTINGENCIES - Additional Information (Details) - USD ($) $ in Thousands	Feb. 05, 2024	Jun. 30, 2024	Dec. 31, 2023
Loss Contingencies [Line Items]
Percentage of commitments to extend credit dependent upon the financial condition of the customers		76.80%
Allowance for credit losses on loan commitments that are not unconditionally cancellable		$ 21,800	$ 21,500
Parent Company | Settled Litigation | Subsidies in mortgage loan and home equity loans
Loss Contingencies [Line Items]
Period under investigation	4 years
Settlement amount	$ 11,750

STOCK INCENTIVE PLANS - Additio

STOCK INCENTIVE PLANS - Additional Information (Details) - USD ($) $ in Millions	3 Months Ended	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2024	Jun. 30, 2023
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common stock shares available up to (in shares)	14,000,000	14,000,000
Shares registered during period (in shares)	8,000,000
Common stock shares remaining available for awards under plan (in shares)	9,106,891	9,106,891
Unrecognized compensation expense	$ 16	$ 16
Performance- Based Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation expense	1	$ 1
Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period of units issued		3 years
Restricted stock awards issued (in shares)		1,249,783	1,354,017
Unrecognized compensation expense	$ 15.6	$ 15.6
Restricted Stock | Performance- Based Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted stock awards issued (in shares)		331,182	282,106

STOCK INCENTIVE PLANS - Schedul

STOCK INCENTIVE PLANS - Schedule of Restricted Stock Units Activity (Details) - $ / shares	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Units
Shares, unvested units outstanding at end of period (in shares)	3,567,364
Restricted Stock
Units
Shares, unvested units outstanding at beginning of period (in shares)	3,502,598	4,821,182
Shares, granted (in shares)	1,249,783	1,354,017
Shares, net adjustment (in shares)	341,857	306,917
Shares, vested (in shares)	(1,499,097)	(2,303,266)
Shares, forfeited/expired/canceled (in shares)	(27,777)	(578,493)
Shares, dividend reinvestment (in shares)	0	74,505
Shares, unvested units outstanding at end of period (in shares)	3,567,364	3,674,862
Weighted Average Grant Price per Share
Weighted average grant price, invested units outstanding at beginning of period (USD per share)	$ 12.89	$ 10.30
Weighted average grant price, granted (USD per share)	14.04	12.74
Weighted average grant price, net adjusted (USD per share)	0	8.43
Weighted average grant price, vested (USD per share)	12.76	7.99
Weighted average grant price, forfeited/expired/canceled (USD per share)	12.25	8.13
Weighted average grant price, dividend reinvestment (USD per share)	0	12.16
Weighted average grant price, invested units outstanding at end of period (USD per share)	$ 13.36	$ 12.87

STOCK INCENTIVE PLANS - Sched_2

STOCK INCENTIVE PLANS - Schedule of Certain Information Related to Restricted Stock Units (Details) - Restricted Stock - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based compensation expense	$ 12	$ 13
Tax benefit related to stock-based compensation expense	3	3
Fair value of units vested	$ 19	$ 30

STOCK INCENTIVE PLANS - Sched_3

STOCK INCENTIVE PLANS - Schedule of Components of Restricted Stock Units (Details) $ in Millions	6 Months Ended
	Jun. 30, 2024 USD ($) shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unvested restricted stock units (in shares) | shares	3,567,364
Unrecognized compensation expense	$ 16
Intrinsic value	$ 49
Weighted average remaining life (in years)	1 year 10 months 20 days
Service- Based Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unvested restricted stock units (in shares) | shares	2,614,032
Unrecognized compensation expense	$ 15
Intrinsic value	$ 36
Weighted average remaining life (in years)	1 year 11 months 15 days
Performance- Based Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unvested restricted stock units (in shares) | shares	953,332
Unrecognized compensation expense	$ 1
Intrinsic value	$ 13
Weighted average remaining life (in years)	1 year 8 months 19 days

INCOME TAXES - Schedule of Inco

INCOME TAXES - Schedule of Income Tax Expense (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Current income taxes:
Federal taxes	$ 30	$ 36	$ 47	$ 67
State taxes	2	3	4	5
Total current income taxes	32	39	51	72
Deferred income taxes:
Federal taxes	1	(3)	14	(1)
State taxes	1	1	3	1
Total deferred income taxes	2	(2)	17	0
Total income taxes	$ 34	$ 37	$ 68	$ 72
Statutory federal tax rate	21%	21%	21%	21%
Effective tax rate	21.60%	20.50%	21.60%	20%

INCOME TAXES - Additional Infor

INCOME TAXES - Additional Information (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Income Tax Disclosure [Abstract]
Deferred tax assets	$ 107.4	$ 120.8

OTHER COMPREHENSIVE INCOME (L_3

OTHER COMPREHENSIVE INCOME (LOSS) (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	$ 6,006	$ 5,788	$ 6,050	$ 5,653
Other comprehensive (loss) income before reclassifications			(23)
Amounts reclassified from AOCI			15
Other Comprehensive Income (Loss)	7	(40)	(8)	2
Balance at end of period	6,090	5,818	6,090	5,818
Unrealized Net Gains (Losses) on Debt Securities Available for Sale
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period			(160)
Other comprehensive (loss) income before reclassifications			(11)
Amounts reclassified from AOCI			0
Other Comprehensive Income (Loss)			(11)
Balance at end of period	(171)		(171)
Unrealized Net Gains (Losses) on Derivative Instruments
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period			(33)
Other comprehensive (loss) income before reclassifications			(12)
Amounts reclassified from AOCI			15
Other Comprehensive Income (Loss)			3
Balance at end of period	(30)		(30)
Unrecognized Pension and Postretirement Obligations
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period			(42)
Other comprehensive (loss) income before reclassifications			0
Amounts reclassified from AOCI			0
Other Comprehensive Income (Loss)			0
Balance at end of period	(42)		(42)
Accumulated Other Comprehensive Income (Loss)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	(250)	(315)	(235)	(357)
Balance at end of period	$ (243)	$ (355)	$ (243)	$ (355)

EARNINGS PER COMMON SHARE (Deta

EARNINGS PER COMMON SHARE (Details) - USD ($) $ / shares in Units, $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Earnings Per Share [Abstract]
Net income	$ 123	$ 142	$ 245	$ 289
Less: Preferred stock dividends	0	2	6	4
Net income available to common stockholders	123	140	239	285
Net income available to common stockholders	$ 123	$ 140	$ 239	$ 285
Basic weighted average common shares outstanding (in shares)	361,754,312	360,124,415	361,500,357	360,489,630
Net effect of dilutive stock options and restricted stock (in shares)	946,921	2,501,767	1,159,902	3,286,929
Diluted weighted average common shares outstanding (in shares)	362,701,233	362,626,182	362,660,259	363,776,559
Earnings per common share:
Basic (USD per share)	$ 0.34	$ 0.39	$ 0.66	$ 0.79
Diluted (USD per share)	$ 0.34	$ 0.39	$ 0.66	$ 0.78
Average shares excluded from the diluted earnings per common share calculation (in shares)			0	0

CASH FLOW INFORMATION - Summary

CASH FLOW INFORMATION - Summary of Supplemental Cash Flow Information (Details) - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Supplemental Cash Flow Elements [Abstract]
Interest paid on deposits and other borrowings	$ 461	$ 238
Income taxes paid	26	67
Transfers of loans to other real estate owned	1	1
Loans transferred to portfolio from held for sale	$ 12	$ 26

CASH FLOW INFORMATION - Additio

CASH FLOW INFORMATION - Additional Information (Details) - USD ($)	Jun. 30, 2024	Jun. 30, 2023
Supplemental Cash Flow Elements [Abstract]
Restricted cash	$ 0	$ 0

BUSINESS SEGMENTS - Additional

BUSINESS SEGMENTS - Additional Information (Details)	6 Months Ended
	Jun. 30, 2024 segment
Segment Reporting [Abstract]
Number of reportable segments	3

BUSINESS SEGMENTS - Schedule of

BUSINESS SEGMENTS - Schedule of Financial Information for Segments (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Segment Reporting Information [Line Items]
Interest income	$ 557	$ 484	$ 1,100	$ 928
Interest expense	241	155	465	262
Net Interest Income	316	329	635	666
Provision for credit losses	20.2	18.5	34.1	32.6
Non-interest income	88	81	176	160
Non-interest expense	222	207	455	422
Amortization of intangibles	5	5	9	10
Income tax expense (benefit)	34	37	68	72
Net income (loss)	123	142	245	289
Total Assets	47,715	44,778	47,715	44,778	$ 46,158
Total intangibles	2,537	2,556	2,537	2,556
Operating Segments | Community Banking
Segment Reporting Information [Line Items]
Interest income	555	483	1,097	925
Interest expense	233	147	451	245
Net Interest Income	322	336	646	680
Provision for credit losses	20	19	34	33
Non-interest income	65	57	127	112
Non-interest expense	199	187	410	382
Amortization of intangibles	5	5	9	10
Income tax expense (benefit)	36	39	70	77
Net income (loss)	127	143	250	290
Total Assets	47,421	44,629	47,421	44,629
Total intangibles	2,503	2,521	2,503	2,521
Operating Segments | Wealth Management
Segment Reporting Information [Line Items]
Interest income	0	0	0	0
Interest expense	0	0	0	0
Net Interest Income	0	0	0	0
Provision for credit losses	0	0	0	0
Non-interest income	20	18	40	36
Non-interest expense	14	13	27	26
Amortization of intangibles	0	0	0	0
Income tax expense (benefit)	1	1	3	2
Net income (loss)	5	4	10	8
Total Assets	42	39	42	39
Total intangibles	9	9	9	9
Operating Segments | Insurance
Segment Reporting Information [Line Items]
Interest income	0	0	0	0
Interest expense	0	0	0	0
Net Interest Income	0	0	0	0
Provision for credit losses	0	0	0	0
Non-interest income	6	7	13	14
Non-interest expense	6	5	10	9
Amortization of intangibles	0	0	0	0
Income tax expense (benefit)	0	1	1	1
Net income (loss)	0	1	2	4
Total Assets	36	32	36	32
Total intangibles	25	26	25	26
Parent and Other
Segment Reporting Information [Line Items]
Interest income	2	1	3	3
Interest expense	8	8	14	17
Net Interest Income	(6)	(7)	(11)	(14)
Provision for credit losses	0	0	0	0
Non-interest income	(3)	(1)	(4)	(2)
Non-interest expense	3	2	8	5
Amortization of intangibles	0	0	0	0
Income tax expense (benefit)	(3)	(4)	(6)	(8)
Net income (loss)	(9)	(6)	(17)	(13)
Total Assets	216	78	216	78
Total intangibles	$ 0	$ 0	$ 0	$ 0

FAIR VALUE MEASUREMENTS - Sched

FAIR VALUE MEASUREMENTS - Schedule of Assets and Liabilities on Recurring Basis (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	$ 3,364	$ 3,254
Loans held for sale	128	150	[1]
Loans receivable	47	45
Derivative financial instruments	124	116
Derivative financial instruments	356	328
U.S. Treasury
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	197	420
U.S. government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	67	79
U.S. government-sponsored entities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	298	223
Agency MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	886	752
Agency collateralized mortgage obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	758	832
Agency commercial MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	1,092	884
States of the U.S. and political subdivisions (municipals)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	26	27
Other debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	40	37
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	197	420
Loans receivable	0	0
Derivative financial instruments	0	0
Derivative financial instruments	0	0
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	3,167	2,834
Loans receivable	128	150
Derivative financial instruments	121	111
Derivative financial instruments	356	328
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	0	0
Loans receivable	31,870	30,491
Derivative financial instruments	3	5
Derivative financial instruments	0	0
Fair Value, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	3,364	3,254
Loans held for sale	128	150
Loans receivable	47
Derivative financial instruments	124	116
Total assets measured at fair value on a recurring basis	3,663	3,520
Derivative financial instruments	356	328
Total liabilities measured at fair value on a recurring basis	356	328
Fair Value, Recurring | U.S. Treasury
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	197	420
Fair Value, Recurring | U.S. government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	67	79
Fair Value, Recurring | U.S. government-sponsored entities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	298	223
Fair Value, Recurring | Agency MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	886	752
Fair Value, Recurring | Agency collateralized mortgage obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	758	832
Fair Value, Recurring | Agency commercial MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	1,092	884
Fair Value, Recurring | States of the U.S. and political subdivisions (municipals)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	26	27
Fair Value, Recurring | Other debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	40	37
Fair Value, Recurring | Trading
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	353	324
Fair Value, Recurring | Not for trading
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	3	4
Fair Value, Recurring | Trading
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	120	109
Fair Value, Recurring | Not for trading
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	4	7
Fair Value, Recurring | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	197	420
Loans held for sale	0	0
Loans receivable	0
Derivative financial instruments	0	0
Total assets measured at fair value on a recurring basis	197	420
Derivative financial instruments	0	0
Total liabilities measured at fair value on a recurring basis	0	0
Fair Value, Recurring | Level 1 | U.S. Treasury
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	197	420
Fair Value, Recurring | Level 1 | U.S. government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	0	0
Fair Value, Recurring | Level 1 | U.S. government-sponsored entities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	0	0
Fair Value, Recurring | Level 1 | Agency MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	0	0
Fair Value, Recurring | Level 1 | Agency collateralized mortgage obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	0	0
Fair Value, Recurring | Level 1 | Agency commercial MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	0	0
Fair Value, Recurring | Level 1 | States of the U.S. and political subdivisions (municipals)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	0	0
Fair Value, Recurring | Level 1 | Other debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	0	0
Fair Value, Recurring | Level 1 | Trading
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	0	0
Fair Value, Recurring | Level 1 | Not for trading
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	0	0
Fair Value, Recurring | Level 1 | Trading
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	0	0
Fair Value, Recurring | Level 1 | Not for trading
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	0	0
Fair Value, Recurring | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	3,167	2,834
Loans held for sale	128	150
Loans receivable	0
Derivative financial instruments	121	111
Total assets measured at fair value on a recurring basis	3,416	3,095
Derivative financial instruments	356	328
Total liabilities measured at fair value on a recurring basis	356	328
Fair Value, Recurring | Level 2 | U.S. Treasury
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	0	0
Fair Value, Recurring | Level 2 | U.S. government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	67	79
Fair Value, Recurring | Level 2 | U.S. government-sponsored entities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	298	223
Fair Value, Recurring | Level 2 | Agency MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	886	752
Fair Value, Recurring | Level 2 | Agency collateralized mortgage obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	758	832
Fair Value, Recurring | Level 2 | Agency commercial MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	1,092	884
Fair Value, Recurring | Level 2 | States of the U.S. and political subdivisions (municipals)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	26	27
Fair Value, Recurring | Level 2 | Other debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	40	37
Fair Value, Recurring | Level 2 | Trading
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	353	324
Fair Value, Recurring | Level 2 | Not for trading
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	3	4
Fair Value, Recurring | Level 2 | Trading
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	120	109
Fair Value, Recurring | Level 2 | Not for trading
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	1	2
Fair Value, Recurring | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	0	0
Loans held for sale	0	0
Loans receivable	47
Derivative financial instruments	3	5
Total assets measured at fair value on a recurring basis	50	5
Derivative financial instruments	0	0
Total liabilities measured at fair value on a recurring basis	0	0
Fair Value, Recurring | Level 3 | U.S. Treasury
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	0	0
Fair Value, Recurring | Level 3 | U.S. government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	0	0
Fair Value, Recurring | Level 3 | U.S. government-sponsored entities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	0	0
Fair Value, Recurring | Level 3 | Agency MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	0	0
Fair Value, Recurring | Level 3 | Agency collateralized mortgage obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	0	0
Fair Value, Recurring | Level 3 | Agency commercial MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	0	0
Fair Value, Recurring | Level 3 | States of the U.S. and political subdivisions (municipals)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	0	0
Fair Value, Recurring | Level 3 | Other debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available for sale	0	0
Fair Value, Recurring | Level 3 | Trading
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	0	0
Fair Value, Recurring | Level 3 | Not for trading
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	0	0
Fair Value, Recurring | Level 3 | Trading
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	0	0
Fair Value, Recurring | Level 3 | Not for trading
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative financial instruments	$ 3	$ 5
[1] Amount represents loans for which we have elected the fair value option. See Note 18.

FAIR VALUE MEASUREMENTS - Sch_2

FAIR VALUE MEASUREMENTS - Schedule of Rollforward on Recurring Basis (Details) - Fair Value, Recurring - USD ($) $ in Millions	6 Months Ended	12 Months Ended
	Jun. 30, 2024	Dec. 31, 2023
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at beginning of period	$ 5	$ 0
Purchases, issuances, sales and settlements:
Issuances	3	6
Settlements	(5)	(1)
Transfers into Level 3	47
Balance at end of period	50	5
Other Debt Securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at beginning of period	0	0
Purchases, issuances, sales and settlements:
Issuances	0	0
Settlements	0	0
Transfers into Level 3	0
Balance at end of period	0	0
Loans Receivable
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at beginning of period	0	0
Purchases, issuances, sales and settlements:
Issuances	0	0
Settlements	0	0
Transfers into Level 3	47
Balance at end of period	47	0
Interest Rate Lock Commitments
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at beginning of period	5	0
Purchases, issuances, sales and settlements:
Issuances	3	6
Settlements	(5)	(1)
Transfers into Level 3	0
Balance at end of period	$ 3	$ 5

FAIR VALUE MEASUREMENTS - Addit

FAIR VALUE MEASUREMENTS - Additional Information (Details) - USD ($)	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Fair Value Measurements Disclosure [Line Items]
Collateral dependent loans, allowance for credit loss	$ 7,300,000
Provision for fair value measurements included in allowance for loan losses	7,100,000
Fair Value, Recurring
Fair Value Measurements Disclosure [Line Items]
Transfer into (from) level 3	47,300,000	$ 0
Fair Value, Nonrecurring
Fair Value Measurements Disclosure [Line Items]
Collateral dependent loans carrying value	34,800,000
Fair Value, Nonrecurring | Mortgage Servicing Rights
Fair Value Measurements Disclosure [Line Items]
Loan servicing rights	700,000
Valuation allowance for impairment of recognized servicing assets	0
Fair Value, Nonrecurring | Mortgage Servicing Rights | Provision Expense
Fair Value Measurements Disclosure [Line Items]
Valuation allowance for impairment of recognized servicing assets, provision	$ 200,000

FAIR VALUE MEASUREMENTS - Sch_3

FAIR VALUE MEASUREMENTS - Schedule of Non-Recurring Basis Assets (Details) - USD ($) $ in Millions	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022
Mortgage Servicing Rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other assets	$ 78	$ 75.2	$ 71.8	$ 72.1	$ 67.8	$ 68.6
Fair Value, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent loans	35		35
Indirect installment loans held for sale			338
Other real estate owned			2
Fair Value, Nonrecurring | Mortgage Servicing Rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other assets	1		12
Fair Value, Nonrecurring | SBA-Guaranteed Loan Servicing
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other assets			1
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other assets	0		0
Level 1 | Fair Value, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent loans	0		0
Indirect installment loans held for sale			0
Other real estate owned			0
Level 1 | Fair Value, Nonrecurring | Mortgage Servicing Rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other assets	0		0
Level 1 | Fair Value, Nonrecurring | SBA-Guaranteed Loan Servicing
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other assets			0
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other assets	0		0
Level 2 | Fair Value, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent loans	0		0
Indirect installment loans held for sale			0
Other real estate owned			0
Level 2 | Fair Value, Nonrecurring | Mortgage Servicing Rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other assets	0		0
Level 2 | Fair Value, Nonrecurring | SBA-Guaranteed Loan Servicing
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other assets			0
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other assets	79		73
Level 3 | Fair Value, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent loans	35		35
Indirect installment loans held for sale			338
Other real estate owned			2
Level 3 | Fair Value, Nonrecurring | Mortgage Servicing Rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other assets	$ 1		12
Level 3 | Fair Value, Nonrecurring | SBA-Guaranteed Loan Servicing
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other assets			$ 1

FAIR VALUE MEASUREMENTS - Sch_4

FAIR VALUE MEASUREMENTS - Schedule of Financial Instruments (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt securities available for sale	$ 3,364	$ 3,254
Debt securities held to maturity	3,532	3,593
Net loans and leases, including loans held for sale	47	45
Derivative assets	124	116
Long-term borrowings	616
Derivative liabilities	356	328
Level 1
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	1,880	1,576
Debt securities available for sale	197	420
Debt securities held to maturity	0	0
Net loans and leases, including loans held for sale	0	0
Loan servicing rights	0	0
Derivative assets	0	0
Accrued interest receivable	178	160
Deposits	28,107	28,496
Short-term borrowings	3,633	2,505
Long-term borrowings	0	0
Derivative liabilities	0	0
Accrued interest payable	73	69
Level 2
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	0	0
Debt securities available for sale	3,167	2,834
Debt securities held to maturity	3,532	3,593
Net loans and leases, including loans held for sale	128	150
Loan servicing rights	0	0
Derivative assets	121	111
Accrued interest receivable	0	0
Deposits	6,831	6,158
Short-term borrowings	0	0
Long-term borrowings	1,274	1,192
Derivative liabilities	356	328
Accrued interest payable	0	0
Level 3
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	0	0
Debt securities available for sale	0	0
Debt securities held to maturity	0	0
Net loans and leases, including loans held for sale	31,870	30,491
Loan servicing rights	79	73
Derivative assets	3	5
Accrued interest receivable	0	0
Deposits	0	0
Short-term borrowings	0	0
Long-term borrowings	769	736
Derivative liabilities	0	0
Accrued interest payable	0	0
Carrying Amount
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	1,880	1,576
Debt securities available for sale	3,364	3,254
Debt securities held to maturity	3,893	3,911
Net loans and leases, including loans held for sale	33,470	32,405
Loan servicing rights	67	61
Derivative assets	124	116
Accrued interest receivable	178	160
Deposits	34,994	34,711
Short-term borrowings	3,616	2,506
Long-term borrowings	2,016	1,971
Derivative liabilities	356	328
Accrued interest payable	73	69
Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	1,880	1,576
Debt securities available for sale	3,364	3,254
Debt securities held to maturity	3,532	3,593
Net loans and leases, including loans held for sale	31,998	30,641
Loan servicing rights	79	73
Derivative assets	124	116
Accrued interest receivable	178	160
Deposits	34,938	34,654
Short-term borrowings	3,633	2,505
Long-term borrowings	2,043	1,928
Derivative liabilities	356	328
Accrued interest payable	$ 73	$ 69