First Citizens BancShares (FCNCO) 10-K 23 Feb 24 2023 FY Annual report Financial data

Cover

Cover - USD ($)	12 Months Ended
	Dec. 31, 2023	Feb. 16, 2024	Jun. 30, 2023
Document Information [Line Items]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2023
Document Transition Report	false
Entity File Number	001-16715
Entity Registrant Name	FIRST CITIZENS BANCSHARES INC /DE/
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	56-1528994
Entity Address, Address Line One	4300 Six Forks Road
Entity Address, City or Town	Raleigh
Entity Address, State or Province	NC
Entity Address, Postal Zip Code	27609
City Area Code	(919)
Local Phone Number	716-7000
Title of 12(g) Security	Class B Common Stock, Par Value $1
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction [Flag]	false
Entity Shell Company	false
Entity Public Float			$ 14,258,285,207
Entity Central Index Key	0000798941
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	FY
Amendment Flag	false
Documents Incorporated by Reference	DOCUMENTS INCORPORATED BY REFERENCE Portions of the Registrant’s definitive Proxy Statement for the 2024 Annual Meeting of Stockholders are incorporated by reference into Part III of this report.
Class A Common Stock, Par Value $1
Document Information [Line Items]
Title of 12(b) Security	Class A Common Stock, Par Value $1
Trading Symbol	FCNCA
Security Exchange Name	NASDAQ
Entity Common Stock, Shares Outstanding		13,519,430
Depositary Shares, Each Representing a 1/40th Interest in a Share of 5.375% Non-Cumulative Perpetual Preferred Stock, Series A
Document Information [Line Items]
Title of 12(b) Security	Depositary Shares, Each Representing a 1/40th Interest in a Share of 5.375% Non-Cumulative Perpetual Preferred Stock, Series A
Trading Symbol	FCNCP
Security Exchange Name	NASDAQ
5.625% Non-Cumulative Perpetual Preferred Stock, Series C
Document Information [Line Items]
Title of 12(b) Security	5.625% Non-Cumulative Perpetual Preferred Stock, Series C
Trading Symbol	FCNCO
Security Exchange Name	NASDAQ
Class B
Document Information [Line Items]
Entity Common Stock, Shares Outstanding		1,005,185

Audit Information

Audit Information	12 Months Ended
	Dec. 31, 2023
Auditor Information [Abstract]
Auditor Name	KPMG LLP
Auditor Location	Raleigh, NC
Auditor Firm ID	185

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Assets
Cash and due from banks	$ 908	$ 518
Interest-earning deposits at banks	33,609	5,025
Securities purchased under agreements to resell	473	0
Investment in marketable equity securities (cost of $75 at December 31, 2023 and $75 at December 31, 2022)	84	95
Investment securities available for sale (cost of $20,688 at December 31, 2023 and $9,967 at December 31, 2022), net of allowance for credit losses	19,936	8,995
Investment securities held to maturity (fair value of $8,503 at December 31, 2023 and $8,795 at December 31, 2022)	9,979	10,279
Assets held for sale	76	60
Loans and leases	133,302	70,781
Allowance for loan and lease losses	(1,747)	(922)
Loans and leases, net of allowance for loan and lease losses	131,555	69,859
Operating lease equipment, net	8,746	8,156
Premises and equipment, net	1,877	1,456
Goodwill	346	346
Other intangible assets, net	312	140
Other assets	5,857	4,369
Total assets	213,758	109,298
Deposits:
Noninterest-bearing	39,799	24,922
Interest-bearing	106,055	64,486
Total deposits	145,854	89,408
Credit balances of factoring clients	1,089	995
Borrowings:
Short-term borrowings	485	2,186
Long-term borrowings	37,169	4,459
Total borrowings	37,654	6,645
Other liabilities	7,906	2,588
Total liabilities	192,503	99,636
Stockholders’ equity
Preferred stock - $0.01 par value (20,000,000 and 10,000,000 shares authorized at December 31, 2023 and December 31, 2022, respectively)	881	881
Additional paid in capital	4,108	4,109
Retained earnings	16,742	5,392
Accumulated other comprehensive loss	(491)	(735)
Total stockholders’ equity	21,255	9,662
Total liabilities and stockholders’ equity	213,758	109,298
Class A
Stockholders’ equity
Common stock:	14	14
Class B
Stockholders’ equity
Common stock:	$ 1	$ 1

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Investment in marketable equity securities at cost	$ 75	$ 75
Investment securities available for sale at cost	20,688	9,967
Investment securities held to maturity at fair value	$ 8,503	$ 8,795
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	20,000,000	10,000,000
Class A
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, shares authorized (in shares)	32,000,000	16,000,000
Common stock, shares issued (in shares)	13,514,933	13,501,017
Common stock, shares outstanding (in shares)	13,514,933	13,501,017
Class B
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, shares authorized (in shares)	2,000,000	2,000,000
Common stock, shares issued (in shares)	1,005,185	1,005,185
Common stock, shares outstanding (in shares)	1,005,185	1,005,185

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Interest income
Interest and fees on loans	$ 8,187	$ 2,953	$ 1,295
Interest on investment securities	648	354	145
Interest on deposits at banks	1,556	106	11
Total interest income	10,391	3,413	1,451
Interest expense
Deposits	2,497	335	33
Borrowings	1,182	132	28
Total interest expense	3,679	467	61
Net interest income	6,712	2,946	1,390
Provision (benefit) for credit losses	1,375	645	(37)
Net interest income after provision for credit losses	5,337	2,301	1,427
Noninterest income
Rental income on operating lease equipment	971	864	0
Realized (loss) gain on sale of investment securities available for sale, net	(26)	0	33
Fair value adjustment on marketable equity securities, net	(11)	(3)	34
Bank-owned life insurance	8	32	3
Gain on sale of leasing equipment, net	20	15	0
Gain on acquisition	9,808	431	0
Gain on extinguishment of debt	0	7	0
Other noninterest income	120	97	36
Total noninterest income	12,075	2,136	508
Noninterest expense
Depreciation on operating lease equipment	371	345	0
Maintenance and other operating lease expenses	222	189	0
Salaries and benefits	2,636	1,408	759
Net occupancy expense	244	191	117
Equipment expense	422	216	119
Professional fees	73	45	20
Third-party processing fees	203	103	60
FDIC insurance expense	158	31	14
Marketing expense	102	53	10
Acquisition-related expenses	470	231	29
Intangible asset amortization	57	23	12
Other noninterest expense	377	240	94
Total noninterest expense	5,335	3,075	1,234
Income before income taxes	12,077	1,362	701
Income tax expense	611	264	154
Net income	11,466	1,098	547
Preferred stock dividends	59	50	18
Net income available to common stockholders, basic	11,407	1,048	529
Net income available to common shareholders, diluted	$ 11,407	$ 1,048	$ 529
Earnings per common share
Basic (in dollars per share)	$ 785.14	$ 67.47	$ 53.88
Diluted (in dollars per share)	$ 784.51	$ 67.40	$ 53.88
Weighted average common shares outstanding
Basic (in shares)	14,527,902	15,531,924	9,816,405
Diluted (in shares)	14,539,613	15,549,944	9,816,405
Fee income and other service charges
Noninterest income
Noninterest income	$ 268	$ 155	$ 35
Client investment fees
Noninterest income
Noninterest income	157	0	0
Wealth management services
Noninterest income
Noninterest income	188	142	129
International fees
Noninterest income
Noninterest income	93	10	7
Service charges on deposit accounts
Noninterest income
Noninterest income	156	98	95
Factoring commissions
Noninterest income
Noninterest income	82	104	0
Cardholder services, net
Noninterest income
Noninterest income	139	102	87
Merchant services, net
Noninterest income
Noninterest income	48	35	33
Insurance commissions
Noninterest income
Noninterest income	$ 54	$ 47	$ 16

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Statement of Comprehensive Income [Abstract]
Net income	$ 11,466	$ 1,098	$ 547
Other comprehensive income (loss), net of tax
Net unrealized gain (loss) on securities available for sale	162	(730)	(88)
Net change in unrealized gain (loss) on securities available for sale transferred to securities held to maturity	1	1	(11)
Net change in defined benefit pension items	81	(16)	97
Other comprehensive income (loss), net of tax	244	(745)	(2)
Total comprehensive income	$ 11,710	$ 353	$ 545

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Millions	Total	Class A	Class B	Series A	Series B	Series C	Preferred Stock	Preferred Stock Series B	Preferred Stock Series C	Common Stock Class A	Common Stock Class B	Additional Paid in Capital	Additional Paid in Capital Class A	Retained Earnings	Retained Earnings Class A	Retained Earnings Class B	Retained Earnings Series A	Retained Earnings Series B	Retained Earnings Series C	Accumulated Other Comprehensive Income (Loss)
Beginning balance, shareholders' equity at Dec. 31, 2020	$ 4,229						$ 340			$ 9	$ 1	$ 0		$ 3,867						$ 12
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	547													547
Other comprehensive income (loss), net of tax	(2)																			(2)
Cash dividends declared		$ (16)	$ (2)												$ (16)	$ (2)
Preferred stock dividends declared	(18)													(18)
Ending balance, shareholders' equity at Dec. 31, 2021	4,738						340			9	1	0		4,378						10
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	1,098													1,098
Other comprehensive income (loss), net of tax	(745)																			(745)
Issued in CIT Merger	5,279				$ 334	$ 207		$ 334	$ 207	6		5,273
Stock based compensation	75											75
Repurchased shares of Class A common stock		(1,240)								(1)			$ (1,239)
Cash dividends declared		(32)	(2)												(32)	(2)
Preferred stock dividends declared				$ (19)	(20)	(11)											$ (19)	$ (20)	$ (11)
Ending balance, shareholders' equity at Dec. 31, 2022	9,662						881			14	1	4,109		5,392						(735)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	11,466													11,466
Other comprehensive income (loss), net of tax	244																			244
Stock based compensation	(1)											(1)
Cash dividends declared		$ (53)	$ (4)												$ (53)	$ (4)
Preferred stock dividends declared				$ (18)	$ (30)	$ (11)											$ (18)	$ (30)	$ (11)
Ending balance, shareholders' equity at Dec. 31, 2023	$ 21,255						$ 881			$ 14	$ 1	$ 4,108		$ 16,742						$ (491)

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Statement of Stockholders' Equity [Abstract]
Common share cash dividends declared (in dollars per share)	$ 3.89	$ 2.16	$ 1.88
Repurchased number of shares of Class A common stock (in shares)		1,500,000

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 11,466	$ 1,098	$ 547
Adjustments to reconcile net income to cash provided by operating activities:
Provision (benefit) for credit losses	1,375	645	(37)
Deferred tax (benefit) expense	(165)	206	(8)
Depreciation, amortization, and accretion, net	(57)	533	143
Stock based compensation expense	5	19	0
Realized loss (gain) on sale of investment securities available for sale, net	26	0	(33)
Fair value adjustment on marketable equity securities, net	11	3	(34)
Loss (gain) on sale of loans, net	2	(22)	(33)
Gain on sale of operating lease equipment, net	(20)	(15)	0
Loss on sale of premises and equipment, net	0	5	0
Gain on other real estate owned, net	(4)	(14)	(1)
Gain on acquisition	(9,808)	(431)	0
Gain on extinguishment of debt	0	(7)	0
Origination of loans held for sale	(740)	(499)	(1,123)
Proceeds from sale of loans held for sale	693	562	1,036
Impairment of premises and equipment and other assets	70	0	0
Net change in other assets	206	484	(733)
Net change in other liabilities	(379)	260	5
Other operating activities	(21)	(36)	(13)
Net cash provided by (used in) operating activities	2,660	2,791	(284)
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease (increase) in interest-earning deposits at banks	5,416	6,965	(4,767)
Purchase of marketable equity securities	0	0	(2)
Proceeds from sales of investments in marketable equity securities	0	0	30
Purchases of investment securities available for sale	(12,839)	(1,985)	(6,375)
Proceeds from maturities of investment securities available for sale	2,084	1,237	2,455
Proceeds from sales of investment securities available for sale	495	2	1,367
Purchases of investment securities held to maturity	(213)	(755)	(1,401)
Proceeds from maturities of investment securities held to maturity	545	835	809
Net increase in securities purchased under agreements to resell	(473)	0	0
Net decrease (increase) in loans	6,057	(5,344)	423
Proceeds from sales of loans	317	245	0
Net increase (decrease) in credit balances of factoring clients	94	(538)	0
Purchases of operating lease equipment	(1,023)	(771)	0
Proceeds from sales of operating lease equipment	243	95	0
Purchases of premises and equipment	(405)	(155)	(107)
Proceeds from sales of premises and equipment	0	13	1
Proceeds from sales of other real estate owned	19	48	41
Cash acquired, net of cash paid as consideration for acquisition	810	134	0
Proceeds from surrender of bank-owned life insurance policies	1,094	157	0
Other investing activities	208	(108)	(42)
Net cash provided by (used in) investing activities	2,429	75	(7,568)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in time deposits	5,634	568	(406)
Net (decrease) increase in demand and other interest-bearing deposits	(5,369)	(2,259)	8,382
Net change in securities sold under customer repurchase agreements	39	(153)	(52)
Repayment of short-term borrowings	(2,250)	(1,355)	0
Proceeds from issuance of short-term borrowings	500	3,105	0
Repayment of long-term borrowings	(13,120)	(5,099)	(54)
Proceeds from issuance of long-term borrowings	9,991	3,854	0
Repurchase of Class A common stock	0	(1,240)	0
Cash dividends paid	(117)	(83)	(42)
Other financing activities	(7)	(24)	0
Net cash (used in) provided by financing activities	(4,699)	(2,686)	7,828
Change in cash and due from banks	390	180	(24)
Cash and due from banks at beginning of period	518	338	362
Cash and due from banks at end of period	908	518	338
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION
Interest	3,686	525	62
Income taxes	514	(551)	870
Significant non-cash investing and financing activities:
Transfers of loans to other real estate	20	14	14
Transfers of premises and equipment to other real estate	6	19	14
Transfer of investment securities available for sale (from) to held to maturity	0	0	452
Dividends declared but not paid	0	1	0
Transfer of assets from held for investment to held for sale	336	188	88
Transfer of assets from held for sale to held for investment	14	21	4
Loans held for sale exchanged for investment securities	0	38	231
Commitments extended during the period on affordable housing investment credits	224	110	15
Purchase Money Note as consideration for SVBB Acquisition	35,808	0	0
Common Stock | Issued for Acquisition
Significant non-cash investing and financing activities:
Issuance of stock	0	5,279	0
Common Stock | Issued for Stock Based Compensation
Significant non-cash investing and financing activities:
Issuance of stock	0	81	0
Preferred Stock | Issued for Acquisition
Significant non-cash investing and financing activities:
Issuance of stock	$ 0	$ 541	$ 0

Significant Accounting Policies

Significant Accounting Policies and Basis of Presentation	12 Months Ended
	Dec. 31, 2023
Accounting Policies [Abstract]
SIGNIFICANT ACCOUNTING POLICIES AND BASIS OF PRESENTATION	NOTE 1 — SIGNIFICANT ACCOUNTING POLICIES AND BASIS OF PRESENTATION Nature of Operations First Citizens BancShares, Inc. (the “Parent Company” and, when including all of its subsidiaries on a consolidated basis, “we,” “us,” “our,” “BancShares”) is a financial holding company organized under the laws of Delaware that conducts operations through its banking subsidiary, First-Citizens Bank & Trust Company (“FCB”), which is headquartered in Raleigh, North Carolina. BancShares and its subsidiaries operate a network of branches and offices, predominantly located in the Southeast, Mid-Atlantic, Midwest and Western United States. BancShares provides various types of commercial and consumer banking services, including lending, leasing and wealth management services. Deposit services include checking, savings, money market and time deposit accounts. BASIS OF PRESENTATION Principles of Consolidation and Basis of Presentation The accounting and reporting policies of BancShares are in accordance with United States generally accepted accounting principles (“GAAP”) and general practices within the banking industry. The consolidated financial statements of BancShares include the accounts of BancShares and its subsidiaries, certain partnership interests and variable interest entities (“VIEs”) where BancShares is the primary beneficiary, if applicable. All significant intercompany accounts and transactions are eliminated upon consolidation. Assets held in agency or fiduciary capacity are not included in the consolidated financial statements. VIEs are legal entities that either do not have sufficient equity to finance their activities without the support from other parties or whose equity investors lack a controlling financial interest. BancShares has investments in certain partnerships and limited liability entities that have been evaluated and determined to be VIEs. Consolidation of a VIE is appropriate if a reporting entity holds a controlling financial interest in the VIE and is the primary beneficiary. BancShares is not the primary beneficiary and does not hold a controlling interest in the VIEs as we do not have the power to direct the activities that most significantly impact the VIEs’ economic performance. As such, assets and liabilities of these entities are not consolidated into the financial statements of BancShares. The recorded investment in these entities is reported within other assets. See Note 10—Variable Interest Entities and Note 11—Other Assets for additional information. Reclassifications In certain instances, amounts reported in the 2022 and 2021 consolidated financial statements have been reclassified to conform to the current financial statement presentation. Such reclassifications had no effect on previously reported stockholders’ equity or net income. Use of Estimates in the Preparation of Financial Statements The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions based on available information. These estimates and assumptions impact the amounts reported in the consolidated financial statements and accompanying notes and the disclosures provided, and actual results could differ from those estimates. The significant estimates related to the determination of the allowance for loan and lease losses (“ALLL”) and fair values of loans acquired in and the core deposit intangibles associated with a business combination are considered critical accounting estimates. Business Combinations BancShares accounts for business combinations using the acquisition method of accounting. Under this method, acquired assets and assumed liabilities are included with the acquirer’s accounts at their estimated fair value as of the date of acquisition, with any excess of purchase price over the fair values of the net assets acquired and any finite-lived intangible assets established in connection with the business combination recognized as goodwill. To the extent the fair value of identifiable net assets acquired exceeds the purchase price, a gain on acquisition is recognized. Acquisition-related costs are recognized as period expenses as incurred. On March 27, 2023 (the “SVBB Acquisition Date”), FCB acquired substantially all loans and certain other assets and assumed all customer deposits and certain other liabilities of Silicon Valley Bridge Bank, N.A. (“SVBB”) from the Federal Deposit Insurance Corporation (the “FDIC”) pursuant to the terms of a purchase and assumption agreement (the “SVBB Purchase Agreement”) by and among FCB, the FDIC, and the FDIC, as receiver of SVBB (the “SVBB Acquisition”). On January 3, 2022 (the “CIT Merger Date”), BancShares completed its merger (the “CIT Merger”) with CIT Group Inc. (“CIT”), pursuant to an Agreement and Plan of Merger, dated as of October 15, 2020, as amended by Amendment No. 1, dated as of September 30, 2021 (as amended, the “CIT Merger Agreement”) . Refer to Note 2—Business Combinations for additional information. Reportable Segments As of December 31, 2022, BancShares managed its business and reported its financial results in General Banking, Commercial Banking, and Rail segments. All other financial information is included in the “Corporate” component of segment disclosures. In conjunction with the SVBB Acquisition, BancShares added the Silicon Valley Banking segment (the “SVB segment”), which includes the assets acquired, liabilities assumed and related operations from the SVBB Acquisition. See Note 23—Business Segment Information for additional information. SIGNIFICANT ACCOUNTING POLICIES Interest-Earning Deposits at Banks Interest-earning deposits at banks are primarily comprised of interest-bearing deposits with the Federal Reserve Bank (“FRB”) and other banks. Interest-earning deposits at banks have maturities of three months or less. The carrying value of interest-earning deposits at banks approximates its fair value due to its short-term nature. Securities Purchased Under Agreement to Resell Securities purchased under agreement to resell are accounted for as collateralized financing transactions as the terms of such purchase agreements do not qualify for sale accounting and are therefore recorded at the amount of cash advanced. The securities purchased under agreement to resell were collateralized by U.S. Treasury and U.S. agency mortgage-backed securities. Accrued interest receivables are recorded in other assets. Interest earned is recorded in interest income. Investments Debt Securities BancShares classifies debt securities as held to maturity or available for sale. Debt securities are classified as held to maturity when BancShares has the intent and ability to hold the securities to maturity. held to maturity securities are reported at amortized cost. Debt securities classified as available for sale are reported at estimated fair value, with unrealized gains and losses, net of income taxes, reported in Accumulated Other Comprehensive Income (“AOCI”). Amortization of premiums and accretion of discounts for debt securities are recorded in interest income. Realized gains and losses from the sale of debt securities are included in noninterest income. BancShares performs pre-purchase due diligence and evaluates the credit risk of available for sale and held to maturity debt securities purchased directly into BancShares' portfolio or via acquisition. If securities have evidence of more than insignificant credit deterioration since issuance, they are designated as purchased credit deteriorated (“PCD”). For available for sale debt securities, management performs a quarterly analysis of the investment portfolio to evaluate securities currently in an unrealized loss position for potential credit-related impairment. If BancShares intends to sell a security, or does not have the intent and ability to hold a security before recovering the amortized cost, the entirety of the unrealized loss is immediately recorded in earnings to the extent that it exceeds the associated allowance for credit losses previously established. For the remaining securities, an analysis is performed to determine if any portion of the unrealized loss recorded relates to credit impairment. If credit-related impairment exists, the amount is recorded through the allowance for credit losses and related provision. This review includes indicators such as changes in credit rating, delinquency, bankruptcy or other significant events impacting the issuer. Debt securities are also classified as past due when the payment of principal and interest based upon contractual terms is 30 days delinquent or greater. Management reviews all debt securities with delinquent interest and immediately charges off any accrued interest determined to be uncollectible. See Note 3—Investment Securities for additional information. Equity Securities Investments in equity securities having readily determinable fair values are stated at fair value. Realized and unrealized gains and losses on these securities are included in noninterest income. Dividends on marketable equity securities are included in interest on investment securities. Nonmarketable equity securities that do not meet the criteria to be accounted for under the equity method and that do not have readily determinable fair values are measured at cost under the measurement alternative with adjustments for impairment and observable price changes if applicable. Dividends from these investments are included in noninterest income. See Note 11—Other Assets for amounts of nonmarketable equity securities at December 31, 2023 and 2022. BancShares evaluates its equity securities for impairment and recoverability of the recorded investment based on analysis of the facts and circumstances of each investment, including the profitability and asset quality of the issuer, dividend payment history and recent redemption experience. Impairment is assessed at each reporting period and if identified, is recognized in noninterest income. Other Securities Membership in the Federal Home Loan Bank (“FHLB”) network requires ownership of FHLB restricted stock. This stock is restricted as it may only be sold to the FHLB and all sales must be at par. Accordingly, the FHLB restricted stock is carried at cost, less any applicable impairment charges and is recorded within other assets. Additionally, BancShares holds shares of Visa Inc. (“Visa”) Class B common stock. See Note 3—Investment Securities and Note 11—Other Assets for additional information. Affordable Housing Tax Credit and Other Unconsolidated Investments Affordable Housing Tax Credit Investments BancShares has investments in qualified affordable housing projects primarily for the purposes of fulfilling Community Reinvestment Act of 1977 (“CRA”) requirements and obtaining tax credits. These investments are accounted for using the proportional amortization method if certain conditions are met. Under the proportional amortization method, the initial cost of the investment is amortized in proportion to the tax credits and other tax benefits received, and the net investment performance is recognized in the income statement as a component of income tax expense. All of our investments in qualified affordable housing projects are accounted for under the proportional amortization method. Equity Method Investments Under the equity method, we record our proportionate share of the profits or losses of the investment entity as an adjustment to the carrying value of the investment and as a component of other noninterest income. Dividends and distributions from these investments are recorded as reductions to the carrying value of the investments. These investments are evaluated for impairment, with impairment recorded when there is an other-than-temporary decline in value. See Note 10—Variable Interest Entities and Note 11—Other Assets for additional information. Assets Held for Sale Assets held for sale (“AHFS”) primarily consists of commercial loans carried at the lower of the cost or fair value (“LOCOM”) and residential mortgage loans carried at fair value, as BancShares elected to apply the fair value option for mortgage loans originated with the intent to sell. AHFS also includes operating lease equipment held for sale, which is carried at LOCOM. Loans and Leases Originated loans for which management has the intent and ability to hold for the foreseeable future are classified as held for investment and carried at the principal amount outstanding net of any unearned income, charge-offs and unamortized fees and costs. Nonrefundable fees collected and certain direct costs incurred related to loan originations are deferred and recorded as an adjustment to loans outstanding. The net amount of the nonrefundable fees and costs is amortized to interest income over the contractual lives as an adjustment to yield using methods that approximate a constant yield, as applicable, or the straight-line method for revolving lines of credit. BancShares extends credit to commercial customers through a variety of financing arrangements including term loans, revolving credit facilities, finance leases and operating leases. BancShares also extends credit through consumer loans, including residential mortgages and auto loans. Our loan classes as of December 31, 2023 are described below. Commercial Loans and Leases Commercial Construction – Commercial construction consists of loans to finance land for commercial development of real property and construction of multifamily apartments or other commercial properties. These loans are highly dependent on the supply and demand for commercial real estate (“CRE”) as well as the demand for newly constructed residential homes and lots acquired for development. Deterioration in demand could result in decreased collateral values, which could make repayments of outstanding loans difficult. Owner Occupied Commercial Mortgage – Owner occupied commercial mortgage consists of loans to purchase or refinance owner occupied nonresidential properties. This includes office buildings, other commercial facilities and farmland. Commercial mortgages secured by owner occupied properties are primarily dependent on the ability of borrowers to achieve business results consistent with those projected at loan origination. While these loans are collateralized by real property in an effort to mitigate risk, it is possible the liquidation of collateral will not fully satisfy the obligation. Non-owner Occupied Commercial Mortgage – Non-owner occupied commercial mortgage consists of loans to purchase or refinance investment nonresidential properties. This includes office buildings and other facilities rented or leased to unrelated parties, as well as farmland and multifamily properties. The primary risk associated with income producing commercial mortgage loans is the ability of the income-producing property that collateralizes the loan to produce adequate cash flow to service the debt. While these loans are collateralized by real property in an effort to mitigate risk, it is possible the liquidation of collateral will not fully satisfy the obligation. Commercial and Industrial – Commercial and industrial (“C&I”) loans consist of loans or lines of credit to finance accounts receivable, inventory or other general business needs, and business credit cards. The primary risk associated with C&I loans is the ability of borrowers to achieve business results consistent with those projected at origination. Failure to achieve these projections presents risk that the borrower will be unable to service the debt consistent with the contractual terms of the loan. Factoring – We provide factoring, receivable management, and secured financing to businesses (our clients, who are generally manufacturers or importers of goods) that operate in several industries, including apparel, textile, furniture, home furnishings and consumer electronics. Factoring entails the assumption of credit risk with respect to trade accounts receivable arising from the sale of goods by our clients to their customers (generally retailers) that have been factored (i.e., sold or assigned to the factor). The most prevalent risk in factoring transactions is customer credit risk, which relates to the financial inability of a customer to pay undisputed factored trade accounts receivable. Factoring receivables are primarily included in the C&I loan class. Leases – Leases consists of finance lease arrangements for technology and office equipment and large and small industrial, medical, and transportation equipment. Consumer Loans Residential Mortgage – Consumer mortgage consists of loans to purchase, construct, or refinance the borrower’s primary dwelling, secondary residence or vacation home and are often secured by 1-4 family residential properties or undeveloped or partially developed land in anticipation of completing construction of a 1-4 family residential property. Significant and rapid declines in real estate values can result in borrowers having debt levels in excess of the current market value of the collateral. Delays in construction and development projects can cause cost overruns exceeding the borrower’s financial ability to complete the project. Such cost overruns can result in foreclosure of partially completed and unmarketable collateral. Revolving Mortgage – Revolving mortgage consists of home equity lines of credit and other lines of credit or loans secured by first or second liens on the borrower’s primary residence. These loans are secured by both senior and junior liens on the residential real estate and are particularly susceptible to declining collateral values. This risk is elevated for loans secured by junior liens as a substantial decline in value could render the junior lien position effectively unsecured. Consumer Auto – Consumer auto loans consist of installment loans to finance purchases of vehicles. These loans include direct auto loans originated in bank branches, as well as indirect auto loans originated through agreements with auto dealerships. The value of the underlying collateral within this class is at risk of potential rapid depreciation, which could result in unpaid balances in excess of the collateral, if any. Consumer Other – Other consumer loans consist of loans to finance unsecured home improvements, student loans, and revolving lines of credit that can be secured or unsecured, including personal credit cards. The value of the underlying collateral within this class is at risk of potential rapid depreciation, which could result in unpaid balances in excess of the collateral. SVB Loan Classes SVB loan classes were added to reflect the loans acquired in the SVBB Acquisition. The SVB loan classes are described below. Global Fund Banking – Global fund banking is the largest class of SVB loans and consists of capital call lines of credit, the repayment of which is dependent on the payment of capital calls by the underlying limited partner investors in funds managed by certain private equity and venture capital firms. Investor Dependent – The investor dependent class includes loans made primarily to technology and life science/healthcare companies. These borrowers typically have modest or negative cash flows and rarely have an established record of profitable operations. Repayment of these loans may be dependent upon receipt by borrowers of additional equity financing from venture capital firms or other investors, or in some cases, a successful sale to a third-party or an initial public offering. The investor dependent loans are disaggregated into two classes: • Early Stage – These include loans to pre-revenue, development-stage companies and companies that are in the early phases of commercialization, with revenues of up to $5 million. • Growth Stage – These include loans to growth stage enterprises. Companies with revenues between $5 million and $15 million, or pre-revenue clinical-stage biotechnology companies, are considered to be mid-stage, and companies with revenues in excess of $15 million are considered to be later-stage. Cash Flow Dependent and Innovation C&I – Cash flow dependent and innovation C&I loans are made primarily to technology and life science/healthcare companies that are not investor dependent. Repayment of these loans is not dependent on additional equity financing, a successful sale or an initial public offering. • Cash Flow Dependent – Cash flow dependent loans are typically used to assist a select group of private equity sponsors with the acquisition of businesses, are larger in size and repayment is generally dependent upon the cash flows of the combined entities. Acquired companies are typically established, later-stage businesses of scale, and characterized by reasonable levels of leverage with loan structures that include meaningful financial covenants. The sponsor’s equity contribution is often 50 percent or more of the acquisition price. • Innovation C&I – These include loans in innovation sectors such as technology and life science/healthcare industries. Innovation C&I loans are dependent on either the borrower’s cash flows or balance sheet for repayment. Cash flow dependent loans require the borrower to maintain cash flow from operations that is sufficient to service all debt. Borrowers must demonstrate normalized cash flow in excess of all fixed charges associated with operating the business. Balance sheet dependent loans include asset-backed loans and are structured to require constant current asset coverage (e.g., cash, cash equivalents, accounts receivable and, to a much lesser extent, inventory) in an amount that exceeds the outstanding debt. The repayment of these arrangements is dependent on the financial condition, and payment ability, of third parties with whom our clients do business. Private Bank – Private banking includes loans to clients who are primarily private equity or venture capital professionals and executives in the innovation companies, as well as high net worth clients. We offer a customized suite of private banking services, including mortgages, home equity lines of credit, restricted and private stock loans, personal capital call lines of credit, lines of credit against liquid assets and other secured and unsecured lending products. In addition, we provide owner occupied commercial mortgages and real estate secured loans. Commercial Real Estate – CRE consists generally of acquisition financing loans for commercial properties such as office buildings, retail properties, apartment buildings and industrial/warehouse space. Other – The remaining smaller acquired portfolios are aggregated into this category. These include other C&I, premium wine and other acquired portfolios. • Other C&I loans include working capital and revolving lines of credit, as well as term loans for equipment and fixed assets. These loans are primarily to clients that are not in the technology and life sciences/healthcare industries. Additionally, other C&I loans contain commercial tax-exempt loans to not-for-profit private schools, colleges, public charter schools and other not-for-profit organizations. • Premium wine loans are made to wine producers, vineyards and wine industry or hospitality businesses across the Western United States. A large portion of these loans are secured by real estate collateral such as vineyards and wineries. ▪ Other acquired portfolios consist primarily of construction and land loans for financing new developments as well as financing for improvements to existing buildings. These also include community development loans made as part of our responsibilities under CRA. Acquired Loans and Leases BancShares’ accounting methods for acquired loans and leases depends on whether or not the loans reflect more than insignificant credit deterioration since origination at the date of acquisition. Non-Purchased Credit Deteriorated Loans and Leases Non-Purchased Credit Deteriorated (“Non-PCD”) loans and leases do not reflect more than insignificant credit deterioration since origination at the date of acquisition. These loans are recorded at fair value and an increase to the ALLL is recorded with a corresponding increase to the provision for credit losses at the date of acquisition. The difference between fair value and the unpaid principal balance (“UPB”) at the acquisition date is amortized or accreted to interest income over the contractual life of the loan using the effective interest method. Purchased Credit Deteriorated Loans and Leases Purchased loans and leases that reflect a more than insignificant credit deterioration since origination at the date of acquisition are classified as PCD loans and leases. PCD loans and leases are recorded at acquisition date amortized cost, which is the purchase price or fair value in a business combination, plus BancShares' initial ALLL, which results in a gross up of the loan balance (the “PCD Gross-Up”). The initial ALLL for PCD loans and leases (the “Initial PCD ALLL”) is established through the PCD Gross-Up and there is no corresponding increase to the provision for credit losses. The difference between the UPB and the acquisition date amortized cost resulting from the PCD Gross-Up is amortized or accreted to interest income over the contractual life of the loan using the effective interest method. Refer to Note 5—Allowance for Loan and Lease Losses for additional information. Past Due and Non-Accrual Loans and Leases Loans and leases are classified as past due when the payment of principal and interest based upon contractual terms is 30 days or greater delinquent. Loans and leases are generally placed on nonaccrual when principal or interest becomes 90 days past due or when it is probable the principal or interest is not fully collectible. When loans are placed on nonaccrual, previously uncollected accrued interest is reversed from interest income and the ongoing accrual of interest is discontinued. All payments received thereafter are applied as a reduction of the outstanding balance until the account is collected, charged-off or returned to accrual status. Loans and leases are generally removed from nonaccrual status when they become current for a sustained period of time and there is no longer concern as to the collectability of principal and interest. Troubled Debt Restructurings and Loan Modifications When a Borrower is Experiencing Financial Difficulty Refer to discussion in the “Newly Adopted Accounting Standards” section of Note 1—Significant Accounting Policies and Basis of Presentation. Loan Charge-Offs and Recoveries Loan charge-offs are recorded after considering such factors as the borrower’s financial condition, the value of underlying collateral, guarantees, and the status of collection activities. Loan balances considered uncollectible are charged-off against the ALLL and deducted from the carrying value of the related loans. Consumer loans are subject to mandatory charge-off at specified delinquency dates in accordance with regulatory guidelines. The value of the underlying collateral for consumer loans is considered when determining the charge-off amount if repossession is reasonably assured and in process. See Note 4—Loans and Leases for additional information. Realized recoveries of amounts previously charged-off are credited to the ALLL. Allowance for Loan and Lease Losses The ALLL represents management’s best estimate of credit losses expected over the life of the loan or lease, adjusted for expected contractual payments and the impact of prepayment expectations. Estimates for loan and lease losses are determined by analyzing quantitative and qualitative components present as of the evaluation date using the current expected credit loss (“CECL”) methodology in accordance with Financial Accounting Standards Board Accounting Standard Codification (“ASC”) 326 Financial Instruments- Credit Losses . Adjustments to the ALLL are recorded with a corresponding entry to the provision or benefit for credit losses. The ALLL is calculated based on a variety of considerations, including, but not limited to actual net loss history of the various loan and lease pools, delinquency trends, changes in forecasted economic conditions, loan growth, estimated loan life, and changes in portfolio credit quality. Loans and leases are segregated into pools with similar risk characteristics and each have a model that is utilized to estimate the ALLL. These ALLL models estimate the probability of obligor default (“PD”) and loss given default (“LGD”) for individual loans and leases within each risk pool based on historical loss experience, borrower characteristics, collateral type, forecasts of future economic conditions, expected future recoveries and other factors. The loan and lease level, undiscounted ALLL is calculated by applying the modeled PD and LGD to monthly forecasted loan and lease balances which are adjusted for contractual payments, prior defaults, and prepayments. Prepayment assumptions were developed through a review of BancShares’ historical prepayment activity and considered forecasts of future economic conditions. Forecasted LGDs are adjusted for expected recoveries. Model outputs may be adjusted through a qualitative assessment to reflect trends not captured within the models, which could include economic conditions, credit quality, concentrations, and significant policy and underwriting changes. Risk pools for estimating the ALLL are aggregated into commercial, consumer and SVB loan portfolios for reporting purposes in Note 5—Allowance for Loan and Lease Losses. The ALLL models utilize economic variables, including unemployment, gross domestic product, home price index, CRE index, corporate profits, and credit spreads. These economic variables are based on macroeconomic scenario forecasts with a forecast horizon that covers the lives of the loan portfolios. Due to the inherent uncertainty in the macroeconomic forecasts, BancShares utilizes baseline, upside, and downside macroeconomic scenarios and weights the scenarios based on review of variable forecasts for each scenario and comparison to expectations. When loans do not share risk characteristics similar to others in the pool, the ALLL is evaluated on an individual basis. Given that BancShares' CECL models are loan level models, the number of loans individually evaluated is not significant and consists primarily of loans greater than $500 thousand. A specific ALLL is established, or charge-off is recorded, for the difference between the excess amortized cost of loan and the estimated fair value of the loan, less estimated costs to sell. Accrued Interest Receivable BancShares' accounting policies and credit monitoring provide that uncollectible accrued interest is reversed or written off against interest income in a timely manner. Therefore, BancShares elected to not measure an ALLL for accrued interest receivable. Accrued interest receivable is recorded in other assets Unfunded Commitments A reserve for off-balance sheet exposures is established for unfunded commitments such as unfunded balances for existing lines of credit, deferred purchase agreements (“DPAs”), commitments to extend future credit, as well as both standby and commercial letters of credit, when there is a contractual obligation to extend credit and when this extension of credit is not unconditionally cancellable (i.e. commitment cannot be canceled at any time). We do not recognize an ALLL for commitments that are unconditionally cancellable at our discretion. These unfunded commitments are assessed to determine both the probability of funding as well as the expectation of future losses. BancShares estimates the expected funding amounts and applies its PD and LGD models to those expected funding amounts to estimate the reserve for off-balance sheet exposures. See Note 5—Allowance for Loan and Lease Losses for the provision for off-balance sheet credit exposure and Note 15—Other Liabilities for ending balances for the reserve for off-balance sheet credit exposure. Leases Lessor Arrangements Operating lease equipment is carried at cost less accumulated depreciation. Operating lease equipment is depreciated to its estimated residual value using the straight-line method over the lease term or estimated useful life of the asset. Rail equipment has estimated useful lives of 40-50 years and the useful lives of other equipment are generally 3-10 years. Where management’s intent is to sell the operating lease equipment and provided specific AHFS accounting criteria are met, the equipment is marked to LOCOM and classified as AHFS and depreciation is no longer recognized. Equipment received at the end of the lease to be sold is m

Business Combinations

Business Combinations	12 Months Ended
	Dec. 31, 2023
Business Combination and Asset Acquisition [Abstract]
BUSINESS COMBINATIONS	NOTE 2 — BUSINESS COMBINATIONS Silicon Valley Bridge Bank Acquisition FCB completed the SVBB Acquisition on the SVBB Acquisition Date and acquired substantially all loans and certain other assets and assumed all customer deposits and certain other liabilities of SVBB in an FDIC-assisted transaction. BancShares has determined that the SVBB Acquisition constitutes a business combination as defined by the ASC Topic 805, Business Combinations . Accordingly, the assets acquired and liabilities assumed are presented at their estimated fair values based on preliminary valuations as of March 27, 2023. The determination of estimated fair values required management to make certain estimates about discount rates, future expected cash flows, market conditions at the time of the SVBB Acquisition and other future events that are highly subjective in nature and may require adjustments. FCB and the FDIC are awaiting conclusion of the customary final settlement process which could impact the fair value of certain other assets acquired and other liabilities assumed. We continue to review information relating to events or circumstances existing at the SVBB Acquisition Date that could impact the preliminary fair value estimates. Until management finalizes its fair value estimates for the acquired assets and assumed liabilities, the preliminary gain on acquisition can be updated for a period not to exceed one year following the SVBB Acquisition Date (the “Measurement Period”). We believe the preliminary fair value estimates of assets acquired and liabilities assumed, including the effects of Measurement Period adjustments, provide a reasonable basis for determining the preliminary fair values. The fair value measurements of certain other assets and liabilities are preliminary as we identify and assess information regarding the nature of these assets and liabilities and review the associated valuation assumptions and methodologies. The tax treatment of FDIC-assisted acquisitions is complex and subject to interpretations that may result in future adjustments of deferred taxes as of the SVBB Acquisition Date. As such, the amounts recorded for tax assets and liabilities are considered provisional as we continue to evaluate the nature and extent of permanent and temporary differences between the book and tax bases of the acquired assets and liabilities assumed, as well as the tax impact on the preliminary gain on acquisition. Pursuant to the terms of the SVBB Purchase Agreement, FCB acquired assets with an estimated total fair value of approximately $107.54 billion as of the SVBB Acquisition Date, primarily including $68.47 billion of loans, net of the initial ALLL for PCD loans, and $35.31 billion of cash and interest-earning deposits at banks. FCB also assumed liabilities with an estimated total fair value of approximately $61.42 billion, primarily including $56.01 billion of customer deposits. The deposits were acquired without a premium and the assets were acquired at a discount of approximately $16.45 billion pursuant to the terms of the SVBB Purchase Agreement. Further details regarding the fair values of the acquired assets and assumed liabilities are provided in the “Fair Value Purchase Price Allocation” table below. In connection with the SVBB Purchase Agreement, FCB also entered into a commercial shared loss agreement with the FDIC (the “Shared-Loss Agreement”). The Shared-Loss Agreement covered an estimated $60 billion of commercial loans (collectively, the “Covered Assets”) at the time of acquisition. The FDIC will reimburse FCB for 0% of losses of up to $5 billion with respect to Covered Assets and 50% of losses in excess of $5 billion with respect to Covered Assets (“FDIC Loss Sharing”) and FCB will reimburse the FDIC for 50% of recoveries related to such Covered Assets (“FCB reimbursement”). The Shared-Loss Agreement provides for FDIC Loss Sharing for five years and FCB reimbursement for eight years. The Shared-Loss Agreement extends to loans funded within one year of the SVBB Acquisition Date that were unfunded commitments to loans at the SVBB Acquisition Date. If certain conditions are met pursuant to the Shared-Loss Agreement, FCB has agreed to pay to the FDIC, 45 days after March 31, 2031 (or, if earlier, the time of disposition of all acquired assets pursuant to the Shared-Loss Agreement), a true-up amount up to $1.5 billion calculated using a formula set forth in the Shared-Loss Agreement. As noted below, preliminary estimates indicate there is no material value to attribute to the loss indemnification asset or true-up liability. In connection with the SVBB Acquisition, FCB issued a five Purchase Price Consideration for the SVBB Acquisition As consideration for the SVBB Acquisition, FCB issued the Purchase Money Note with a principal amount of $36.07 billion (fair value of $35.81 billion). FCB pledged specified assets as collateral security for the Purchase Money Note and the Advance Facility Agreement, including loans purchased from the FDIC as receiver to SVBB, the related loan documents and collections, accounts established for collections and disbursements, any items credited thereto, such additional collateral (if any) as the parties may agree to in future, and proceeds thereof. The interest rate on the Purchase Money Note accrues at a rate of 3.50% per annum. There are no scheduled principal payments under the Purchase Money Note. FCB may voluntarily prepay principal under the Purchase Money Note without premium or penalty, twice per month. The principal amount of the Purchase Money Note is based on the carrying value of net assets acquired less the asset discount of $16.45 billion pursuant to the terms of the SVBB Purchase Agreement. In addition, as part of the consideration for the SVBB Acquisition, BancShares issued a Cash Settled Value Appreciation Instrument to the FDIC (the “Value Appreciation Instrument”) in which FCB agreed to make a cash payment to the FDIC equal to the product of (i) 5 million and (ii) the excess amount by which the average volume weighted price of one share of Class A common stock, over the two The following table provides the purchase price allocation to the identifiable assets acquired and liabilities assumed at their estimated fair values as of the SVBB Acquisition Date. Fair Value Purchase Price Allocation dollars in millions Fair Value Purchase Price Allocation as of March 27, 2023 Purchase price consideration Purchase Money Note (1) $ 35,808 Value Appreciation Instrument 500 Purchase price consideration $ 36,308 Assets Cash and due from banks $ 1,310 Interest-earning deposits at banks 34,001 Investment securities available for sale 385 Loans and leases, net of the initial PCD ALLL 68,468 Affordable housing tax credit and other unconsolidated investments 1,273 Premises and equipment 308 Core deposit intangibles 230 Other assets 1,564 Total assets acquired $ 107,539 Liabilities Deposits $ 56,014 Borrowings 10 Deferred tax liabilities 3,364 Other liabilities 2,035 Total liabilities assumed $ 61,423 Fair value of net assets acquired 46,116 Preliminary gain on acquisition, after income taxes (2) $ 9,808 Preliminary gain on acquisition, before income taxes (2) $ 13,172 (1) The principal amount of the Purchase Money Note is the carrying value of net assets acquired of approximately $52.52 billion less the asset discount of $16.45 billion pursuant to the SVBB Purchase Agreement. The $35.81 billion above is net of a fair value discount of approximately $264 million. (2) The difference between the preliminary gain on acquisition before and after taxes reflects the deferred tax liabilities recorded in the SVBB Acquisition, as presented above. The preliminary gain on acquisition of $9.81 billion, net of income taxes of $3.36 billion, included in noninterest income represents the excess of the fair value of net assets acquired over the purchase price. The following is a description of the methods used to determine the estimated fair values of the Purchase Money Note and significant assets acquired and liabilities assumed, as presented above. Purchase Money Note The fair value of the Purchase Money Note was estimated based on the income approach, which includes: (i) projecting cash flows over a certain discrete projection period and (ii) discounting those projected cash flows to present value at a rate of return that considers the relative risk of the cash flows and the time value of money. Cash and interest-earning deposits at banks For financial instruments with a short-term or no stated maturity, prevailing market rates and limited credit risk, carrying amounts approximate fair value. Investment securities Fair values for securities are based on quoted market prices, where available. If quoted market prices are not available, fair value estimates are based on observable inputs including quoted market prices for similar instruments, quoted market prices that are not in an active market or other inputs that are observable in the market. In the absence of observable inputs, fair value is estimated based on pricing models and/or discounted cash flow methodologies. Loans Fair values for loans were based on a discounted cash flow methodology that considered factors including the type of loan and related collateral, classification status, fixed or variable interest rate, remaining term of loan, credit quality ratings or scores, amortization status and current discount rate. Loans with similar risk characteristics were pooled together and treated in aggregate when applying various valuation techniques. The discount rates used for loans were based on an evaluation of current market rates for new originations of comparable loans and required rates of return for market participants to purchase similar assets, including adjustments for liquidity and credit quality when necessary. BancShares’ accounting methods for acquired Non-PCD and PCD loans and leases are discussed in Note 1—Significant Accounting Policies and Basis of Presentation. The following table presents the UPB and fair value of the loans and leases acquired by BancShares in the SVBB Acquisition as of the SVBB Acquisition Date. The fair value of Non-PCD loans and leases was $66.42 billion, compared to the UPB of $68.72 billion, resulting in a discount of $2.30 billion that will be accreted into income over the contractual life of the applicable loan using the effective interest method. Loans and Leases Acquired dollars in millions Loans and Leases UPB Fair Value Non-PCD loans and leases $ 68,719 $ 66,422 PCD loans and leases 2,568 2,046 Total loans and leases, before PCD gross-up $ 71,287 $ 68,468 The following table summarizes PCD loans and leases that BancShares acquired in the SVBB Acquisition. PCD Loans and Leases dollars in millions Total PCD Loans from SVBB Acquisition UPB $ 2,568 Fair value 2,046 Total fair value discount 522 Less: discount for loans with $0 fair value at SVBB Acquisition Date 26 Less: PCD gross-up 220 Non-credit discount (1) $ 276 (1) The non-credit discount of $276 million will be accreted into income over the contractual life of the applicable loan using the effective interest method. Affordable housing tax credit investments The fair values of the affordable housing tax credit investments were determined based on discounted cash flows. The cash flow projections considered tax credits and net cash flows from operating losses and tax depreciation. The discount rate was determined using observable market data points for similar investments. Premises and equipment Fair values for furniture and fixtures, computer software and other equipment were determined using the cost approach. Core deposit intangibles The following table presents the intangible asset recorded related to the valuation of core deposits: Intangible Asset dollars in millions Fair Value Estimated Useful Life Amortization Method Core deposit intangibles $ 230 8 years Effective yield Certain core deposits were acquired as part of the SVBB Acquisition, which provide an additional source of funds for BancShares. The core deposit intangible represents the costs saved by BancShares by acquiring the core deposits rather than sourcing the funds elsewhere. This intangible was valued using the after tax cost savings method under the income approach. This method estimates the fair value by discounting to present value the favorable funding spread attributable to the core deposit balances over their estimated average remaining life. The valuation considered a dynamic approach to interest rates and alternative cost of funds. The favorable funding spread is calculated as the difference in the alternative cost of funds and the net deposit cost. Refer to further discussion in Note 8—Goodwill and Core Deposit Intangibles. Other assets The following table details other assets acquired: Other Assets dollars in millions Fair Value Accrued interest receivable $ 431 Federal Home Loan Bank stock and Federal Reserve Bank stock 320 Fair value of derivative financial instruments 458 Other 355 Total other assets $ 1,564 The fair values of the derivative assets in the table above and derivative liabilities in the table below were valued using prices of financial instruments with similar characteristics and observable inputs. The fair value of accrued interest receivable and the remaining other assets was determined to approximate book value. Refer to further discussion in Note 14—Derivative Financial Instruments and Note 16—Fair Value. Deposits Acquired deposits were essentially all transactional deposits. Thus, we determined carrying amounts approximate fair value. Deferred tax liability The SVBB Acquisition is an asset acquisition for tax purposes and is therefore considered a taxable transaction. The deferred tax liability for the SVBB Acquisition was calculated by applying FCB’s deferred tax rate to the book and tax basis differences on the SVBB Acquisition Date for acquired assets and assumed liabilities. Deferred taxes were not recorded for the affordable housing tax credit investments in accordance with the proportional amortization method. Other liabilities The following table details other liabilities assumed: dollars in millions Fair Value Commitments to fund tax credit investments $ 715 Fair value of derivative financial instruments 497 Reserve for off-balance sheet credit exposures 253 Accrued interest payable 109 Other 461 Total other liabilities $ 2,035 The fair value of the liability representing our commitment for future capital contributions to the affordable housing tax credit investments was determined based on discounted cash flows. Projected cash flows for future capital contributions were discounted at a rate that represented FCB’s cost of debt. Shared-Loss Agreement Intangibles Preliminary estimates indicate there is no material value to attribute to the loss indemnification asset or true-up liability. This is primarily based on evaluation of historical loss experience and the credit quality of the portfolio. Pro Forma Information - SVBB Acquisition SVBB was only in operation from March 10 to March 27, 2023 and does not have historical financial information on which we could base pro forma information. Additionally, we did not acquire all assets or assume all liabilities of SVBB and an essential part of the SVBB Acquisition is the federal assistance governed by the SVBB Purchase Agreement and Shared-Loss Agreement, which is not reflected in the previous operations of SVBB. Therefore, it is impracticable to provide unaudited pro forma information on revenues and earnings for the SVBB Acquisition in accordance with ASC 805-10-50-2. Net interest income, noninterest income and net income of $1.95 billion, $478 million and $530 million, respectively, from the SVB segment (see Note 23—Business Segment Information) were included in BancShares’ Consolidated Statement of Income from the SVBB Acquisition Date through December 31, 2023. CIT Group Inc. BancShares completed the CIT Merger on the CIT Merger Date. Pursuant to the CIT Merger Agreement, each share of CIT common stock, par value $0.01 per share (“CIT Common Stock”), issued and outstanding, except for certain shares of CIT Common Stock owned by CIT or BancShares, was converted into the right to receive 0.062 shares of Class A common stock, plus cash in lieu of fractional shares of Class A common stock. The Parent Company issued approximately 6.1 million shares of Class A common stock in connection with the consummation of the CIT Merger. The CIT Merger has been accounted for as a business combination under the acquisition method of accounting. Accordingly, the assets acquired and liabilities assumed were recorded at their estimated fair values as of the CIT Merger Date. The following table provides the purchase price allocation to the identifiable assets acquired and liabilities assumed at their estimated fair values as of the CIT Merger Date: Fair Value Purchase Price Allocation dollars in millions, except shares issued and price per share Fair Value Purchase Price Allocation as of January 3, 2022 Common share consideration Shares of Class A common stock issued 6,140,010 Price per share on January 3, 2022 $ 859.76 Common stock consideration $ 5,279 Preferred stock consideration 541 Stock-based compensation consideration 81 Cash in lieu of fractional shares and other consideration paid 51 Purchase price consideration $ 5,952 Assets Cash and interest-earning deposits at banks $ 3,060 Investment securities 6,561 Assets held for sale 59 Loans and leases 32,714 Operating lease equipment 7,838 Bank-owned life insurance 1,202 Intangible assets 143 Other assets 2,198 Total assets acquired $ 53,775 Liabilities Deposits $ 39,428 Borrowings 4,536 Credit balances of factoring clients 1,534 Other liabilities 1,894 Total liabilities assumed $ 47,392 Fair value of net assets acquired 6,383 Gain on acquisition $ 431 BancShares recorded a gain on acquisition of $431 million in noninterest income, representing the excess of the fair value of net assets acquired over the purchase price. The gain on acquisition was not taxable. The following is a description of the methods used to determine the estimated fair values of significant assets acquired and liabilities assumed as presented above. Cash and interest-earning deposits at banks For financial instruments with a short-term or no stated maturity, prevailing market rates and limited credit risk, carrying amounts approximate fair value. Investment securities Fair values for investment securities were based on quoted market prices, where available. If quoted market prices were not available, fair value estimates were based on observable inputs including quoted market prices for similar instruments, quoted market prices that are not in an active market or other inputs that are observable in the market. In the absence of observable inputs, fair value was estimated based on pricing models and/or discounted cash flows methodologies. Assets held for sale and loans and leases Fair values for loans were based on a discounted cash flow methodology that considered factors including the type of loan and related collateral, fixed or variable interest rate, remaining term, credit quality ratings or scores, amortization status and current discount rate. Selected larger, impaired loans were specifically reviewed to evaluate credit risk. Loans with similar risk characteristics were pooled together when applying various valuation techniques. The discount rates used for loans were based on an evaluation of current market rates for new originations of comparable loans and required rates of return for market participants to purchase similar assets, including adjustments for liquidity and credit quality when necessary. BancShares’ accounting methods for acquired loans and leases are discussed in Note 1—Significant Accounting Policies and Basis of Presentation. The following table presents the UPB and fair value of the loans and leases acquired by BancShares in the CIT Merger. The UPB for PCD loans and leases includes the PCD Gross-Up of $272 million as discussed further in Note 4 — Loans and Leases. Loans Acquired dollars in millions Loans and Leases UPB Fair Value Non-PCD loans and leases $ 29,542 $ 29,481 PCD loans and leases 3,550 3,233 Total loans and leases $ 33,092 $ 32,714 Operating Lease Equipment Operating lease equipment were comprised of two sub-groups: rail and non-rail equipment. Fair values for both were based on the cost approach where market values were not available. The sales approach was used to value rail assets where market information was available, or when replacement cost less depreciation was lower than the current market value. An intangible liability was recorded for net below market lease contracts rental rates, for which fair value was estimated using the income approach and market lease rates and other key inputs. A discount was recorded for operating lease equipment, which includes railcars, locomotives and other equipment, to reduce it to fair value. This adjustment will reduce depreciation expense over the remaining useful lives of the equipment on a straight-line basis. The intangible liability (see Note 8—Goodwill and Core Deposit Intangibles) will be amortized, thereby increasing rental income (a component of noninterest income) over the remaining term of the lease agreements on a straight-line basis. Bank Owned Life Insurance The fair values of BOLI policies were determined by the policy administrator and calculated based on the net present value of investment cash flows. Expected premium payments, death benefits and expected mortality were considered in the net present value calculation. Based upon the administrator’s analysis and management’s review of the analysis, fair value was determined to equate to book value as of the merger date. Intangible assets The following table presents the intangible asset recorded in conjunction with the CIT Merger related to the valuation of core deposits: Intangible Assets dollars in millions Fair Value Estimated Useful Life Amortization Method Core deposit intangibles $ 143 10 years Straight-line Certain core deposits were acquired as part of the CIT Merger, which provide an additional source of funds for BancShares. The core deposit intangibles represent the costs saved by BancShares by acquiring the core deposits rather than sourcing the funds elsewhere. This intangible was valued using the income approach, after-tax cost savings method. This method estimates the fair value by discounting to present value the favorable funding spread attributable to the core deposit balances over their estimated average remaining life. The favorable funding spread is calculated as the difference in the alternative cost of funds and the net deposit cost. Refer to Note 8—Goodwill and Core Deposit Intangibles for further discussion. Other assets The following table details other assets acquired: Other Assets dollars in millions Fair Value Low-income housing tax credits and other investments $ 777 Right of use assets 327 Premises and equipment 230 Fair value of derivative financial instruments 209 Counterparty receivables 133 Other 522 Total other assets $ 2,198 The fair value of the investments in unconsolidated entities was valued using the income approach. The ROU asset associated with real estate operating leases were measured at the same amount as the lease liability as adjusted to reflect favorable or unfavorable terms of the lease when compared with market terms. The lease liability was measured at the present value of the remaining lease payments, as if the acquired lease were a new lease of the acquirer at the acquisition date and using BancShares incremental borrowing rate. The lease term was determined for individual leases based on management’s assessment of the probability of exercising the existing renewal, termination and/or purchase option. Fair values for property, including leasehold improvements, furniture and fixtures, computer software and other digital equipment were determined using the cost approach. Certain tangible assets that are expected to be sold in the short term were reported at net book value. Real estate property, such as land and buildings, was valued using the sales comparison approach, where sales of comparable properties are adjusted for differences to estimate the value of each subject property. The fair values of the derivative financial instruments, as well as counterparty receivables, were valued using prices of financial instruments with similar characteristics and observable inputs. Deposits The fair values for time deposits were estimated using a discounted cash flow analysis whereby the contractual remaining cash flows were discounted using market rates currently being offered for time deposits of similar maturities. For transactional deposits, carrying amounts approximate fair value. Borrowings In connection with the CIT Merger, BancShares assumed the outstanding borrowings of CIT. The fair values of borrowings were estimated based on readily observable prices using reliable market sources. Credit balances of Factoring Clients Credit balance amounts represent short-term payables that are tied to the factoring receivables. Due to the short-term nature of these payables and given that amounts are settled at book value, it was determined that the carrying value is equivalent to fair value. Other Liabilities Other liabilities include items such as accounts payable and accrued liabilities, lease liabilities, current and deferred taxes, commitments to fund tax credit investments and other miscellaneous liabilities. The fair value of lease liabilities was measured using the present value of remaining lease payments, using BancShares’ discount rate at the merger date. The fair value of the remaining liabilities was determined to approximate book value. For all accrued liabilities and accounts payable, it was determined that the carrying value equals book value. Unaudited Pro Forma Information The amount of interest income, noninterest income and net income of $1.75 billion, $1.24 billion and $587 million, respectively, attributable to the acquisition of CIT were included in BancShares’ Consolidated Statement of Income for the year ended December 31, 2022. CIT’s interest income, noninterest income and net income noted above reflect management’s best estimates, based on information available at the reporting date. The following table presents certain unaudited pro forma financial information for illustrative purposes only, for the year ended December 31, 2022 and 2021 as if CIT had been acquired on January 1, 2021. The unaudited estimated pro forma information combines the historical results of CIT and BancShares and includes certain pro forma adjustments. The key pro forma adjustments relate to the following items that were recognized in BancShares Consolidated Statement of Income for the year ended December 31, 2022, but were reflected in 2021 for the pro forma financial information: (i) provision for credit losses of $513 million related to the Non-PCD loans and leases and unfunded commitments; (ii) acquisition-related expenses of $231 million; (iii) estimated purchase accounting adjustment accretion and amortization related to fair value adjustments and intangibles associated with the CIT Merger; and (iv) $431 million gain on acquisition. BancShares expects to achieve operating cost savings and other business synergies as a result of the acquisition that are not reflected in the pro forma amounts that follow. The pro forma information should not be relied upon as being indicative of the historical results of operations that would have occurred had the acquisition taken place on January 1, 2021. Actual results may differ from the unaudited pro forma information presented below and the differences could be significant. Selected Unaudited Pro Forma Financial Information for Consolidated BancShares dollars in millions Year Ended December 31, 2022 2021 Interest income $ 3,413 $ 2,867 Noninterest income 1,705 2,537 Net income 1,225 1,497

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2023
Investments [Abstract]
INVESTMENT SECURITIES	NOTE 3 — INVESTMENT SECURITIES The following tables include the amortized cost and fair value of investment securities at December 31, 2023 and 2022. Amortized Cost and Fair Value - Investment Securities dollars in millions December 31, 2023 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Investment securities available for sale U.S. Treasury $ 10,554 $ 34 $ (80) $ 10,508 Government agency 120 — (3) 117 Residential mortgage-backed securities 7,154 72 (540) 6,686 Commercial mortgage-backed securities 2,319 9 (197) 2,131 Corporate bonds 529 — (47) 482 Municipal bonds 12 — — 12 Total investment securities available for sale $ 20,688 $ 115 $ (867) $ 19,936 Investment in marketable equity securities $ 75 $ 17 $ (8) $ 84 Investment securities held to maturity U.S. Treasury $ 479 $ — $ (40) $ 439 Government agency 1,506 — (143) 1,363 Residential mortgage-backed securities 4,205 — (644) 3,561 Commercial mortgage-backed securities 3,489 — (614) 2,875 Supranational securities 298 — (35) 263 Other 2 — — 2 Total investment securities held to maturity $ 9,979 $ — $ (1,476) $ 8,503 Total investment securities $ 30,742 $ 132 $ (2,351) $ 28,523 December 31, 2022 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Investment securities available for sale U.S. Treasury $ 2,035 $ — $ (137) $ 1,898 Government agency 164 — (2) 162 Residential mortgage-backed securities 5,424 1 (630) 4,795 Commercial mortgage-backed securities 1,774 — (170) 1,604 Corporate bonds 570 — (34) 536 Total investment securities available for sale $ 9,967 $ 1 $ (973) $ 8,995 Investment in marketable equity securities $ 75 $ 21 $ (1) $ 95 Investment securities held to maturity U.S. Treasury $ 474 $ — $ (50) $ 424 Government agency 1,548 — (186) 1,362 Residential mortgage-backed securities 4,605 — (723) 3,882 Commercial mortgage-backed securities 3,355 — (484) 2,871 Supranational securities 295 — (41) 254 Other 2 — — 2 Total investment securities held to maturity $ 10,279 $ — $ (1,484) $ 8,795 Total investment securities $ 20,321 $ 22 $ (2,458) $ 17,885 U.S. Treasury investments include Treasury bills and Notes issued by the U.S. Treasury. Investments in government agency securities represent securities issued by the Small Business Association (“SBA”), FHLB and other U.S. agencies. Investments in residential and commercial mortgage-backed securities represent securities issued by the Government National Mortgage Association, Federal National Mortgage Association and Federal Home Loan Mortgage Corporation. Investments in corporate bonds represent positions in debt securities of other financial institutions. Municipal bonds are general obligation bonds. Investments in marketable equity securities represent positions in common stock of publicly traded financial institutions. Investments in supranational securities represent securities issued by the Supranational Entities and Multilateral Development Banks. Other held to maturity investments include certificates of deposit with other financial institutions. BancShares also holds approximately 354,000 shares of Visa, Inc. (“Visa”) Class B common stock (Visa Class B common stock). Until the resolution of certain litigation, at which time the Visa Class B common stock will convert to publicly traded Visa Class A common stock, or the potential exchange of Visa Class B common stock for other marketable classes of Visa common stock, these shares are only transferable to other stockholders of Visa Class B common stock. As a result, there is limited transfer activity in private transactions between buyers and sellers. Given this limited trading activity and the continuing uncertainty regarding the likelihood, ultimate timing and eventual exchange of Visa Class B common stock for shares of Visa Class A common stock or other marketable classes of Visa common stock, these shares are not considered to have a readily determinable fair value and have no carrying value. BancShares continues to monitor the trading activity in Visa Class B common stock, the status of the resolution of certain litigation matters at Visa, and other potential exchange alternatives that would trigger the conversion of the Visa Class B common stock into Visa Class A common stock or other marketable classes of Visa common stock. Accrued interest receivable for available for sale and held to maturity debt securities was excluded from the estimate for credit losses. At December 31, 2023, accrued interest receivable for available for sale and held to maturity debt securities was $87 million and $18 million, respectively. At December 31, 2022, accrued interest receivable for available for sale and held to maturity debt securities was $33 million and $19 million, respectively. During the year ended December 31, 2023 and 2022, there was no accrued interest that was deemed uncollectible and written off against interest income. The following table provides the amortized cost and fair value by contractual maturity. Expected maturities will differ from contractual maturities on certain securities because borrowers and issuers may have the right to call or prepay obligations with or without prepayment penalties. Residential and commercial mortgage-backed and government agency securities are stated separately as they are not due at a single maturity date. Maturities - Debt Securities dollars in millions December 31, 2023 December 31, 2022 Cost Fair Value Cost Fair Value Investment securities available for sale Non-amortizing securities maturing in: One year or less $ 5,674 $ 5,658 $ 37 $ 37 After one through five years 4,996 4,959 2,068 1,928 After five through 10 years 408 369 483 455 After 10 years 17 16 17 14 Government agency 120 117 164 162 Residential mortgage-backed securities 7,154 6,686 5,424 4,795 Commercial mortgage-backed securities 2,319 2,131 1,774 1,604 Total investment securities available for sale $ 20,688 $ 19,936 $ 9,967 $ 8,995 Investment securities held to maturity Non-amortizing securities maturing in: One year or less $ 27 $ 26 $ 51 $ 51 After one through five years 1,636 1,508 1,479 1,328 After five through 10 years 622 533 789 663 Residential mortgage-backed securities 4,205 3,561 4,605 3,882 Commercial mortgage-backed securities 3,489 2,875 3,355 2,871 Total investment securities held to maturity $ 9,979 $ 8,503 $ 10,279 $ 8,795 T he following table presents interest and dividend income on investment securities: Interest and Dividends on Investment Securities dollars in millions Year Ended December 31, 2023 2022 2021 Interest income - taxable investment securities $ 642 $ 352 $ 143 Interest income - nontaxable investment securities 4 — — Dividend income - marketable equity securities 2 2 2 Interest on investment securities $ 648 $ 354 $ 145 Fair value adjustment on marketable equity securities and net realized losses and gains on sales of investment securities available for sale are presented on the Consolidated Statements of Income. The following table presents the gross realized losses and gains on the sales of investment securities available for sale. Realized Losses on Debt Securities Available For Sale dollars in millions Year Ended December 31, 2023 2022 2021 Gross realized gains on sales of investment securities available for sale $ — $ — $ 33 Gross realized losses on sales of investment securities available for sale (26) — — Net realized (losses) gains on sales of investment securities available for sale $ (26) $ — $ 33 The following table provides information regarding investment securities available for sale with unrealized losses: Gross Unrealized Losses on Debt Securities Available For Sale dollars in millions December 31, 2023 Less than 12 months 12 months or more Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Investment securities available for sale U.S. Treasury $ 955 $ — $ 1,919 $ (80) $ 2,874 $ (80) Government agency 23 — 94 (3) 117 (3) Residential mortgage-backed securities 293 (3) 4,073 (537) 4,366 (540) Commercial mortgage-backed securities 157 (1) 1,386 (196) 1,543 (197) Corporate bonds 89 (9) 393 (38) 482 (47) Total $ 1,517 $ (13) $ 7,865 $ (854) $ 9,382 $ (867) December 31, 2022 Less than 12 months 12 months or more Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Investment securities available for sale U.S. Treasury $ 403 $ (27) $ 1,495 $ (110) $ 1,898 $ (137) Government agency 65 (1) 62 (1) 127 (2) Residential mortgage-backed securities 1,698 (165) 3,001 (465) 4,699 (630) Commercial mortgage-backed securities 836 (53) 752 (117) 1,588 (170) Corporate bonds 499 (30) 37 (4) 536 (34) Total $ 3,501 $ (276) $ 5,347 $ (697) $ 8,848 $ (973) As of December 31, 2023, there were 483 investment securities available for sale with continuous unrealized losses for more than 12 months, of which 416 were government sponsored enterprise-issued mortgage-backed securities, government agency securities, or U.S. treasury securities and the remaining 67 were corporate bonds. BancShares has the ability and intent to retain these securities for a period of time sufficient to recover all unrealized losses. Given the consistently strong credit rating of the U.S. Treasury, and the long history of no credit losses on debt securities issued by government agencies and government sponsored entities, as of December 31, 2023, no allowance for credit loss was required. For corporate bonds, we analyzed the changes in interest rates relative to when the investment securities were purchased or acquired, and considered other factors including changes in credit ratings, delinquencies, and other macroeconomic factors. As a result of this analysis, we determined that one corporate bond carries an insignificant credit-related loss as of December 31, 2023, which is reflected in the provision for credit losses. BancShares’ portfolio of held to maturity debt securities consists of mortgage-backed securities issued by government agencies and government sponsored entities, U.S. Treasury notes, unsecured bonds issued by government agencies and government sponsored entities, and securities issued by the Supranational Entities and Multilateral Development Banks. Given the consistently strong credit rating of the U.S. Treasury, the Supranational Entities & Multilateral Development Banks and the long history of no credit losses on debt securities issued by government agencies and government sponsored entities, as of December 31, 2023, no allowance for credit loss was required for held to maturity debt securities. Investment securities having an aggregate carrying value of $3.77 billion at December 31, 2023, and $4.23 billion at December 31, 2022, were pledged as collateral to secure public funds on deposit and certain short-term borrowings, and for other purposes as required by law. A security is considered past due once it is 30 days contractually past due under the terms of the agreement. There were no securities past due as of December 31, 2023 or 2022. There were no debt securities held to maturity on nonaccrual status as of December 31, 2023 or December 31, 2022.

Loans and Leases

Loans and Leases	12 Months Ended
	Dec. 31, 2023
Receivables [Abstract]
LOANS AND LEASES	NOTE 4 — LOANS AND LEASES Unless otherwise noted, loans held for sale are not included in the following tables. Leases in the following tables include finance leases, but exclude operating lease equipment. Refer to Note 2—Business Combinations for discussion of the loans acquired in the SVBB Acquisition. Loans by Class dollars in millions December 31, 2023 December 31, 2022 Commercial Commercial construction $ 3,465 $ 2,804 Owner occupied commercial mortgage 15,567 14,473 Non-owner occupied commercial mortgage 11,540 9,902 Commercial and industrial 27,072 24,105 Leases 2,054 2,171 Total commercial 59,698 53,455 Consumer Residential mortgage 14,422 13,309 Revolving mortgage 2,007 1,951 Consumer auto 1,442 1,414 Consumer other 720 652 Total consumer 18,591 17,326 SVB Global fund banking 25,553 — Investor dependent - early stage 1,403 — Investor dependent - growth stage 2,897 — Innovation C&I and cash flow dependent 9,658 — Private Bank 9,822 — CRE 2,698 — Other 2,982 — Total SVB 55,013 — Total loans and leases $ 133,302 $ 70,781 At December 31, 2023 and 2022, accrued interest receivable on loans included in other assets There was a discount on loans acquired in the SVBB Acquisition and CIT Merger because the fair value was lower than the UPB as further discussed in Note 2—Business Combinations. The discount on acquired loans is accreted to interest income over the contractual life of the loan using the effective interest method as further discussed in Note 1—Significant Accounting Policies and Basis of Presentation. Discount accretion income was $733 million, including $128 million for unfunded commitments, for the year ended December 31, 2023, and primarily related to the SVBB Acquisition. The following table presents selected components of the amortized cost of loans, including the unamortized discount on acquired loans. Components of Amortized Cost dollars in millions December 31, 2023 December 31, 2022 Deferred (fees) costs, including unamortized costs and unearned fees on non-PCD loans $ (72) $ 34 Net unamortized discount on acquired loans Non-PCD $ 1,860 $ 73 PCD 176 45 Total net unamortized discount $ 2,036 $ 118 The aging of the outstanding loans and leases by class at December 31, 2023 and 2022 is provided in the tables below. Loans and leases less than 30 days past due are considered current, as various grace periods allow borrowers to make payments within a stated period after the due date and remain in compliance with the respective agreement. Loans and Leases - Delinquency Status dollars in millions December 31, 2023 30-59 Days 60-89 Days 90 Days or Total Current Total Commercial Commercial construction $ 43 $ 8 $ 2 $ 53 $ 3,412 $ 3,465 Owner occupied commercial mortgage 22 10 47 79 15,488 15,567 Non-owner occupied commercial mortgage 89 160 281 530 11,010 11,540 Commercial and industrial 164 48 112 324 26,748 27,072 Leases 55 15 21 91 1,963 2,054 Total commercial 373 241 463 1,077 58,621 59,698 Consumer Residential mortgage 118 23 56 197 14,225 14,422 Revolving mortgage 14 3 11 28 1,979 2,007 Consumer auto 9 3 2 14 1,428 1,442 Consumer other 5 3 4 12 708 720 Total consumer 146 32 73 251 18,340 18,591 SVB Global fund banking — — — — 25,553 25,553 Investor dependent - early stage 10 12 9 31 1,372 1,403 Investor dependent - growth stage 5 2 7 14 2,883 2,897 Innovation C&I and cash flow dependent 27 3 40 70 9,588 9,658 Private Bank 30 11 17 58 9,764 9,822 CRE 10 28 2 40 2,658 2,698 Other 5 — 4 9 2,973 2,982 Total SVB 87 56 79 222 54,791 55,013 Total loans and leases $ 606 $ 329 $ 615 $ 1,550 $ 131,752 $ 133,302 December 31, 2022 30-59 Days 60-89 Days 90 Days or Total Current Total Commercial Commercial construction $ 50 $ — $ 1 $ 51 $ 2,753 $ 2,804 Owner occupied commercial mortgage 29 5 25 59 14,414 14,473 Non-owner occupied commercial mortgage 76 144 11 231 9,671 9,902 Commercial and industrial 173 26 53 252 23,853 24,105 Leases 59 17 16 92 2,079 2,171 Total commercial 387 192 106 685 52,770 53,455 Consumer Residential mortgage 73 16 52 141 13,168 13,309 Revolving mortgage 9 3 8 20 1,931 1,951 Consumer auto 7 1 1 9 1,405 1,414 Consumer other 4 2 3 9 643 652 Total consumer 93 22 64 179 17,147 17,326 Total loans and leases $ 480 $ 214 $ 170 $ 864 $ 69,917 $ 70,781 The amortized cost by class of loans and leases on nonaccrual status, and loans and leases greater than 90 days past due and still accruing at December 31, 2023 and 2022 are presented below. Loans on Non-Accrual Status (1) (2) dollars in millions December 31, 2023 December 31, 2022 Non-Accrual Loans Loans > Non-Accrual Loans Loans > Commercial Commercial construction $ 2 $ 1 $ 48 $ — Owner occupied commercial mortgage 61 8 41 2 Non-owner occupied commercial mortgage 354 38 228 — Commercial and industrial 193 56 184 41 Leases 31 7 28 7 Total commercial 641 110 529 50 Consumer Residential mortgage 96 1 75 10 Revolving mortgage 20 — 18 — Consumer auto 5 — 4 — Consumer other 1 3 1 3 Total consumer 122 4 98 13 SVB Global fund banking — — — — Investor dependent - early stage 37 2 — — Investor dependent - growth stage 37 — — — Innovation C&I and cash flow dependent 43 — — — Private Bank 30 3 — — CRE 58 — — — Other 1 4 — — Total SVB 206 9 — — Total loans and leases $ 969 $ 123 $ 627 $ 63 (1) Accrued interest that was reversed when the loan went to nonaccrual status was $10 million for the year ended December 31, 2023 and $4 million for the year ended December 31, 2022. (2) Nonaccrual loans for which there was no related ALLL totaled $138 million at December 31, 2023 and $63 million at December 31, 2022. OREO and repossessed assets were $62 million as of December 31, 2023 and $47 million as of December 31, 2022. Credit Quality Indicators Loans and leases are monitored for credit quality on a recurring basis. Commercial loans and leases and consumer loans have different credit quality indicators as a result of the unique characteristics of the loan classes being evaluated. The credit quality indicators for commercial loans and leases are developed through a review of individual borrowers on an ongoing basis. Commercial loans are evaluated periodically with more frequent evaluations done on criticized loans. The indicators as of the date presented are based on the most recent assessment performed and are defined below: Pass – A pass rated asset is not adversely classified because it does not display any of the characteristics for adverse classification. Special mention – A special mention asset has potential weaknesses which deserve management’s close attention. If left uncorrected, such potential weaknesses may result in deterioration of the repayment prospects or collateral position at some future date. Special mention assets are not adversely classified and do not warrant adverse classification. Substandard – A substandard asset is inadequately protected by the current net worth and paying capacity of the borrower or of the collateral pledged, if any. Assets classified as substandard generally have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. These assets are characterized by the distinct possibility of loss if the deficiencies are not corrected. Doubtful – An asset classified as doubtful has all the weaknesses inherent in an asset classified substandard with the added characteristic that the weaknesses make collection or liquidation in full highly questionable and improbable on the basis of currently existing facts, conditions and values. Loss – Assets classified as loss are considered uncollectible and of such little value it is inappropriate to be carried as an asset. This classification is not necessarily equivalent to any potential for recovery or salvage value, but rather it is not appropriate to defer a full charge-off even though partial recovery may be affected in the future. Ungraded – Ungraded loans represent loans not included in the individual credit grading process due to their relatively small balances or borrower type. The majority of ungraded loans at December 31, 2023 and 2022, relate to business credit cards. Business credit card loans are subject to automatic charge-off when they become 120 days past due in the same manner as unsecured consumer lines of credit. The credit quality indicator for consumer loans is based on delinquency status of the borrower as of the date presented. As the borrower becomes more delinquent, the likelihood of loss increases. An exemption is applied to government guaranteed loans as the principal repayments are insured by the Federal Housing Administration and U.S. Department of Veterans Affairs and thus remain on accrual status regardless of delinquency status. The following tables summarize the commercial and SVB loans disaggregated by year of origination and by risk rating. The consumer loan delinquency status by year of origination is also presented below. The tables reflect the amortized cost of the loans and include PCD loans. Commercial Loans - Risk Classifications by Class December 31, 2023 Risk Classification: Term Loans by Origination Year Revolving Converted to Term Loans dollars in millions 2023 2022 2021 2020 2019 2018 & Prior Revolving Total Commercial construction Pass $ 1,011 $ 1,318 $ 589 $ 219 $ 52 $ 55 $ 36 $ — $ 3,280 Special Mention — — 2 49 46 — — — 97 Substandard — 47 5 31 — 5 — — 88 Doubtful — — — — — — — — — Ungraded — — — — — — — — — Total commercial construction 1,011 1,365 596 299 98 60 36 — 3,465 Owner occupied commercial mortgage Pass 2,439 2,840 3,087 2,708 1,579 2,099 177 — 14,929 Special Mention 31 17 24 27 43 70 1 — 213 Substandard 8 54 95 63 41 155 9 — 425 Doubtful — — — — — — — — — Ungraded — — — — — — — — — Total owner occupied commercial mortgage 2,478 2,911 3,206 2,798 1,663 2,324 187 — 15,567 Non-owner occupied commercial mortgage Pass 2,631 2,526 1,641 1,391 883 1,181 43 — 10,296 Special Mention 8 41 33 88 168 73 9 — 420 Substandard 1 36 17 114 311 276 — — 755 Doubtful — — — — 41 28 — — 69 Ungraded — — — — — — — — — Total non-owner occupied commercial mortgage 2,640 2,603 1,691 1,593 1,403 1,558 52 — 11,540 Commercial and industrial Pass 8,069 4,573 2,945 1,395 879 937 6,033 19 24,850 Special Mention 105 134 144 89 69 21 194 — 756 Substandard 92 219 133 209 126 248 243 2 1,272 Doubtful 2 19 5 — 12 20 13 — 71 Ungraded — — — — — — 123 — 123 Total commercial and industrial 8,268 4,945 3,227 1,693 1,086 1,226 6,606 21 27,072 Leases Pass 732 499 290 209 91 35 — — 1,856 Special Mention 18 22 20 7 4 1 — — 72 Substandard 28 32 21 19 6 8 — — 114 Doubtful 3 4 3 1 1 — — — 12 Ungraded — — — — — — — — — Total leases 781 557 334 236 102 44 — — 2,054 Total commercial $ 15,178 $ 12,381 $ 9,054 $ 6,619 $ 4,352 $ 5,212 $ 6,881 $ 21 $ 59,698 SVB - Risk Classifications by Class December 31, 2023 Risk Classification: Term Loans by Origination Year Revolving Converted to Term Loans dollars in millions 2023 2022 2021 2020 2019 2018 & Prior Revolving Total Global fund banking Pass $ 453 $ 202 $ 40 $ 36 $ 14 $ 3 $ 24,702 $ 66 $ 25,516 Special Mention — — — — — — — — — Substandard — 7 9 3 — — 18 — 37 Doubtful — — — — — — — — — Ungraded — — — — — — — — — Total global fund banking 453 209 49 39 14 3 24,720 66 25,553 Investor dependent - early stage Pass 421 453 85 4 1 — 99 2 1,065 Special Mention 8 14 1 — — — — — 23 Substandard 40 138 51 3 — — 51 — 283 Doubtful 12 12 3 — — 1 4 — 32 Ungraded — — — — — — — — — Total investor dependent - early stage 481 617 140 7 1 1 154 2 1,403 Investor dependent - growth stage Pass 1,034 967 217 25 8 2 198 5 2,456 Special Mention 6 25 — — — — — — 31 Substandard 66 192 83 7 1 — 27 — 376 Doubtful — 12 20 — — — 2 — 34 Ungraded — — — — — — — — — Total investor dependent - growth stage 1,106 1,196 320 32 9 2 227 5 2,897 Innovation C&I and cash flow dependent Pass 2,370 2,238 833 293 80 44 2,598 — 8,456 Special Mention 99 103 36 66 — — 92 — 396 Substandard 51 185 254 76 25 — 175 — 766 Doubtful — — — — — 10 30 — 40 Ungraded — — — — — — — — — Total innovation C&I and cash flow dependent 2,520 2,526 1,123 435 105 54 2,895 — 9,658 Private bank Pass 1,247 2,273 2,148 1,361 750 1,114 830 10 9,733 Special Mention 5 2 1 — 1 7 7 — 23 Substandard 10 — 3 5 3 37 5 2 65 Doubtful — — — — 1 — — — 1 Ungraded — — — — — — — — — Total private bank 1,262 2,275 2,152 1,366 755 1,158 842 12 9,822 CRE Pass 506 458 257 168 195 801 51 5 2,441 Special Mention — 6 7 10 3 23 — — 49 Substandard — 14 16 10 57 57 — — 154 Doubtful — — 2 13 26 11 2 — 54 Ungraded — — — — — — — — — Total CRE 506 478 282 201 281 892 53 5 2,698 Other Pass 458 625 438 251 176 377 435 42 2,802 Special Mention — 11 12 32 — — — — 55 Substandard — 52 8 8 4 31 21 1 125 Doubtful — — — — — — — — — Ungraded — — — — — — — — — Total Other 458 688 458 291 180 408 456 43 2,982 Total SVB $ 6,786 $ 7,989 $ 4,524 $ 2,371 $ 1,345 $ 2,518 $ 29,347 $ 133 $ 55,013 Consumer Loans - Delinquency Status by Class December 31, 2023 Days Past Due: Term Loans by Origination Year Revolving Converted to Term Loans dollars in millions 2023 2022 2021 2020 2019 2018 & Prior Revolving Total Residential mortgage Current $ 2,047 $ 3,522 $ 3,488 $ 1,895 $ 694 $ 2,571 $ 8 $ — $ 14,225 30-59 days 4 13 14 6 7 74 — — 118 60-89 days 1 1 3 2 1 15 — — 23 90 days or greater 1 4 1 4 1 45 — — 56 Total residential mortgage 2,053 3,540 3,506 1,907 703 2,705 8 — 14,422 Revolving mortgage Current — — — — — — 1,903 76 1,979 30-59 days — — — — — — 10 4 14 60-89 days — — — — — — 1 2 3 90 days or greater — — — — — — 6 5 11 Total revolving mortgage — — — — — — 1,920 87 2,007 Consumer auto Current 525 427 261 131 56 28 — — 1,428 30-59 days 1 3 2 1 1 1 — — 9 60-89 days 1 1 1 — — — — — 3 90 days or greater — 1 1 — — — — — 2 Total consumer auto 527 432 265 132 57 29 — — 1,442 Consumer other Current 158 103 52 8 4 16 367 — 708 30-59 days 1 1 — — — — 3 — 5 60-89 days — — — — — 1 2 — 3 90 days or greater — — — — — 2 2 — 4 Total consumer other 159 104 52 8 4 19 374 — 720 Total consumer $ 2,739 $ 4,076 $ 3,823 $ 2,047 $ 764 $ 2,753 $ 2,302 $ 87 $ 18,591 The following tables represent current credit quality indicators by origination year as of December 31, 2022: Commercial Loans - Risk Classifications by Class December 31, 2022 Risk Classification: Term Loans by Origination Year Revolving Converted to Term Loans dollars in millions 2022 2021 2020 2019 2018 2017 & Prior Revolving Total Commercial construction Pass $ 1,140 $ 759 $ 511 $ 157 $ 27 $ 75 $ 42 $ — $ 2,711 Special Mention 4 — 18 18 — — — — 40 Substandard 2 — — 43 — 5 — — 50 Doubtful — — — 3 — — — — 3 Ungraded — — — — — — — — — Total commercial construction 1,146 759 529 221 27 80 42 — 2,804 Owner occupied commercial mortgage Pass 2,773 3,328 2,966 1,825 1,048 1,867 177 — 13,984 Special Mention 33 14 32 33 18 49 2 — 181 Substandard 24 47 41 28 47 114 6 — 307 Doubtful — — — — — 1 — — 1 Ungraded — — — — — — — — — Total owner occupied commercial mortgage 2,830 3,389 3,039 1,886 1,113 2,031 185 — 14,473 Non-owner occupied commercial mortgage Pass 2,501 1,658 1,794 1,397 680 933 48 — 9,011 Special Mention — 1 69 38 35 10 1 — 154 Substandard 3 11 68 324 58 236 — — 700 Doubtful — — — 17 — 20 — — 37 Ungraded — — — — — — — — — Total non-owner occupied commercial mortgage 2,504 1,670 1,931 1,776 773 1,199 49 — 9,902 Commercial and industrial Pass 7,695 4,145 2,035 1,533 872 845 5,252 29 22,406 Special Mention 87 153 79 63 52 23 40 — 497 Substandard 106 117 194 132 166 145 200 1 1,061 Doubtful 1 4 3 11 6 16 7 — 48 Ungraded — — — — — — 93 — 93 Total commercial and industrial 7,889 4,419 2,311 1,739 1,096 1,029 5,592 30 24,105 Leases Pass 718 466 389 216 80 108 — — 1,977 Special Mention 21 22 17 9 4 — — — 73 Substandard 32 32 27 12 7 1 — — 111 Doubtful 2 3 2 1 1 — — — 9 Ungraded — — — — — 1 — — 1 Total leases 773 523 435 238 92 110 — — 2,171 Total commercial $ 15,142 $ 10,760 $ 8,245 $ 5,860 $ 3,101 $ 4,449 $ 5,868 $ 30 $ 53,455 Consumer Loans - Delinquency Status by Class December 31, 2022 Days Past Due: Term Loans by Origination Year Revolving Converted to Term Loans dollars in millions 2022 2021 2020 2019 2018 2017 & Prior Revolving Total Residential mortgage Current $ 3,485 $ 3,721 $ 2,097 $ 805 $ 413 $ 2,625 $ 22 $ — $ 13,168 30-59 days 3 7 6 5 3 49 — — 73 60-89 days 1 1 2 — 1 11 — — 16 90 days or greater — 1 1 2 2 46 — — 52 Total residential mortgage 3,489 3,730 2,106 812 419 2,731 22 — 13,309 Revolving mortgage Current — — — — — — 1,839 92 1,931 30-59 days — — — — — — 5 4 9 60-89 days — — — — — — 2 1 3 90 days or greater — — — — — — 5 3 8 Total revolving mortgage — — — — — — 1,851 100 1,951 Consumer auto Current 599 398 216 111 59 22 — — 1,405 30-59 days 1 2 2 1 1 — — — 7 60-89 days — 1 — — — — — — 1 90 days or greater — 1 — — — — — — 1 Total consumer auto 600 402 218 112 60 22 — — 1,414 Consumer other Current 160 82 13 6 2 19 361 — 643 30-59 days — — — — — 1 3 — 4 60-89 days — — — — — 1 1 — 2 90 days or greater — — — — — 1 2 — 3 Total consumer other 160 82 13 6 2 22 367 — 652 Total consumer $ 4,249 $ 4,214 $ 2,337 $ 930 $ 481 $ 2,775 $ 2,240 $ 100 $ 17,326 Gross Charge-offs Gross charge-off vintage disclosures by origination year and loan class are summarized in the following table for the year ended December 31, 2023: Gross Charge-offs Year Ended December 31, 2023 Term Loans by Origination Year Revolving Converted to Term Loans dollars in millions 2023 2022 2021 2020 2019 2018 & Prior Revolving Total Commercial Owner occupied commercial mortgage $ — $ — $ — $ — $ — $ — $ 1 $ — $ 1 Non-owner occupied commercial mortgage — — — — 64 21 — — 85 Commercial and industrial 25 73 30 9 15 15 49 1 217 Leases 2 10 7 3 2 1 — — 25 Total commercial 27 83 37 12 81 37 50 1 328 Consumer Residential mortgage — — — — — 2 — — 2 Consumer auto 1 1 1 1 — — — — 4 Consumer other 7 1 1 — — — 13 — 22 Total consumer 8 2 2 1 — 2 13 — 28 SVB Investor dependent - early stage 2 30 29 3 — — 11 — 75 Investor dependent - growth stage 22 37 25 12 — — 1 — 97 Innovation C&I and cash flow dependent 6 — — — — — 18 — 24 CRE — — — — 2 — — — 2 Other 6 17 10 44 — 1 6 — 84 Total SVB 36 84 64 59 2 1 36 — 282 Total loans and leases $ 71 $ 169 $ 103 $ 72 $ 83 $ 40 $ 99 $ 1 $ 638 Loan Modifications for Borrowers Experiencing Financial Difficulties On January 1, 2023, we adopted ASU 2022-02 as further discussed in Note 1—Significant Accounting Policies and Basis of Presentation. The Modification Disclosures required by ASU 2022-02 are included below. As part of BancShares’ ongoing credit risk management practices, BancShares attempts to work with borrowers when necessary to extend or modify loan terms to better align with the borrowers’ current ability to repay. BancShares’ modifications granted to debtors experiencing financial difficulties typically take the form of term extensions, interest rate reductions, other-than-insignificant payment delays, principal forgiveness, or a combination thereof. Modifications are made in accordance with internal policies and guidelines to conform to regulatory guidance. The following tables present loan modifications made to debtors experiencing financial difficulty, disaggregated by class and type of loan modification. The tables also include the weighted average term extensions, as well as the modification total relative to the total period-end amortized cost basis of loans in the respective loan class. Loan Modifications Made to Borrowers Experiencing Financial Difficulty (year ended December 31, 2023) dollars in millions Term Extension (1) Other Than Insignificant Payment Delay Interest Rate Reduction Amortized Cost Weighted Average Term Extension (Months) Amortized Cost Weighted Average Payment Delay (Months) Amortized Cost Weighted Average Interest Rate Reduction Commercial Commercial construction $ 4 9 $ — — $ — — % Owner occupied commercial mortgage 17 17 — — 2 3.62 Non-owner occupied commercial mortgage 240 12 — — — — Commercial and industrial 102 20 9 7 — — Leases — 16 — — — — Total commercial 363 14 9 7 2 3.62 Consumer Residential mortgage 7 90 — — — 1.63 Revolving mortgage 2 60 — — — 1.74 Consumer auto — 24 — — — — Consumer other — 55 — — — 9.65 Total consumer 9 84 — — — 4.44 SVB Investor dependent - early stage 3 4 17 5 — — Investor dependent - growth stage 8 9 28 5 — — Innovation C&I and cash flow dependent 72 4 — — — — Private Bank 4 11 — — — — CRE 14 9 — — — — Other 4 6 1 6 — — Total SVB 105 6 46 5 — — Total loans and leases $ 477 14 $ 55 6 $ 2 3.83 % (1) Term extensions include modifications in which the balloon principal payment was deferred to a later date or the loan amortization period was extended. Loan Modifications Made to Borrowers Experiencing Financial Difficulty (continued) dollars in millions Term Extension (1) and Interest Rate Reduction Term Extension (1) and Other Than Insignificant Payment Delay Other than Insignificant Payment Delay and Interest Rate Reduction Amortized Cost Weighted Average Term Extension (Months) Weighted Average Interest Rate Reduction Amortized Cost Weighted Average Term Extension (Months) Weighted Average Payment Delay (Months) Amortized Cost Weighted Average Payment Delay (Months) Weighted Average Interest Rate Reduction Commercial Commercial construction $ — — — % $ — — — $ — — — % Owner occupied commercial mortgage — 36 2.00 — — — — — — Non-owner occupied commercial mortgage 40 12 3.00 — — — — — — Commercial and industrial 5 26 2.04 — 28 16 — — — Leases — — — — — — — — — Total commercial 45 13 2.90 — 28 16 — — — Consumer — — Residential mortgage 3 62 3.31 — — — 3 6 5.25 Revolving mortgage 1 57 2.92 — — — — — — Consumer auto — 31 0.69 — — — — — — Consumer other — 36 0.25 — — — — — — Total consumer 4 61 3.20 — — — 3 6 5.25 SVB Investor dependent - early stage — — — — 6 6 — — — Investor dependent - growth stage — — — — — — — — — Innovation C&I and cash flow dependent — — — 7 7 5 — — — Private Bank — — — — — — — — — CRE — — — — — — — — — Other — — — — 17 17 — — — Total SVB — — — 7 7 6 — — — Total loans and leases $ 49 18 2.93 % $ 7 8 6 $ 3 6 5.25 % dollars in millions Term Extension (1) , Interest Rate Reduction, and Other than Insignificant Payment Delay Total Amortized Cost Weighted Average Term Extension (Months) Weighted Average Interest Rate Reduction Weighted Average Payment Delay (Months) Amortized Cost Total as a % of Loan and Lease Class Commercial Commercial construction $ — — — % — $ 4 0.11 % Owner occupied commercial mortgage — — — — 19 0.12 Non-owner occupied commercial mortgage — — — — 280 2.43 Commercial and industrial — — — — 116 0.43 Leases — — — — — — Total commercial — — — — 419 0.70 Consumer — Residential mortgage — — — — 13 0.10 Revolving mortgage — — — — 3 0.13 Consumer auto — — — — — 0.01 Consumer other — — — — — 0.03 Total consumer — — — — 16 0.09 SVB Investor dependent - early stage 6 12 1.00 6 26 1.88 Investor dependent - growth stage — — — — 36 1.24 Innovation C&I and cash flow dependent — — — — 79 0.81 Private Bank — — — — 4 0.04 CRE — — — — 14 0.53 Other — — — — 5 0.16 Total SVB 6 12 1.00 6 164 0.30 Total loans and leases $ 6 12 1.00 % 6 $ 599 0.45 % (1) Term extensions include modifications in which the balloon principal payment was deferred to a later date or the loan amortization period was extended Borrowers experiencing financial difficulties are typically identified in our credit risk management process before loan modifications occur. An assessment of whether a borrower is experiencing financial difficulty is reassessed or performed on the date of a modification. Since the effect of most modifications made to borrowers experiencing financial difficulty is already included in the ALLL because of the measurement methodologies used to estimate the ALLL, a change to the ALLL is generally not recorded upon modification. Upon BancShares’ determination that a modified loan (or portion of a loan) has subsequently been deemed uncollectible, the loan (or a portion of the loan) is charged off. At December 31, 2023, there were $50 million of modified loans which defaulted subsequent to modification. Of this amount, $37 million related to one borrower within the Innovation C&I and cash flow dependent loan class. The following tables present the amortized cost and performance of modified loans to borrowers experiencing financial difficulties. The period of delinquency is based on the number of days the scheduled payment is contractually past due. Modified Loans Payment Status (year ended December 31, 2023) dollars in millions Current 30–59 Days Past Due 60–89 Days Past Due 90 days or greater Past Due Total Commercial Commercial construction $ 4 $ — $ — $ — $ 4 Owner occupied commercial mortgage 17 1 — 1 19 Non-owner occupied commercial mortgage 280 — — — 280 Commercial and industrial 114 — 1 1 116 Total commercial 415 1 1 2 419 Consumer Residential mortgage 11 — 1 1 13 Revolving mortgage 3 — — — 3 Total consumer 14 — 1 1 16 SVB Investor dependent - early stage 22 — — 4 26 Investor dependent - growth stage 36 — — — 36 Innovation C&I and cash flow dependent 39 — — 40 79 Private Bank 4 — — — 4 CRE 14 — — — 14 Other 2 3 — — 5 Total SVB 117 3 — 44 164 Total loans and leases $ 546 $ 4 $ 2 $ 47 $ 599 At December 31, 2023, there were $13 million of commitments to lend additional funds to debtors experiencing financial difficulty for which the terms of the loan were modified. TDRs Prior to Adoption of ASU 2022-02 The following includes TDR disclosures for historical periods prior to adoption of ASU 2022-02 as further discussed in Note 1—Significant Accounting Policies and Basis of Presentation. The following table presents amortized cost of TDRs: TDRs dollars in millions December 31, 2022 Accruing Non-Accruing Total Commercial Commercial construction $ 2 $ 1 $ 3 Owner occupied commercial mortgage 46 9 55 Non-owner occupied commercial mortgage 24 30 54 Commercial and industrial 26 8 34 Leases — 1 1 Total commercial 98 49 147 Consumer Residential mortgage 33 17 50 Revolving mortgage 17 5 22 Consumer auto 2 — 2 Consumer other — — — Total consumer 52 22 74 Total TDRs $ 150 $ 71 $ 221 The following table summarizes the loan restructurings during the year ended December 31, 2022 and 2021 that were designated as TDRs. BancShares defined payment default as movement of the TDR to nonaccrual status that was generally 90 days past due, in foreclosure or charge-off, whichever occurred first. Restructurings dollars in millions (except for number of loans) Year Ended December 31, 2022 2021 Number of Loans Amortized Cost at Period End Number of Loans Amortized Cost at Period End Loans and leases Interest only 17 $ 39 20 $ 18 Loan term extension 128 26 129 16 Below market rates 86 9 177 20 Discharge from bankruptcy 106 5 128 10 Total 337 $ 79 454 $ 64 There were $1.5 million commitments to lend additional funds to borrowers whose loan terms were modified in TDRs as of December 31, 2022. After a loan was determined to be a TDR, BancShares continued to track its performance under its most recent restructured terms. TDRs that subsequently defaulted during the year ended December 31, 2022 and 2021, and were classified as TDRs during the applicable 12-month period preceding December 31, 2022 and 2021 were as follows: TDR Defaults dollars in millions December 31, 2022 December 31, 2021 TDR Defaults $ 6 $ 8 Loans Pledged The following table provides information regarding loans pledged as collateral for borrowing capacity through the FHLB of Atlanta, the FRB and FDIC as of December 31, 2023 and 2022. Loans Pledged dollars in millions December 31, 2023 December 31, 2022 FHLB of Atlanta Lendable collateral value of pledged non-PCD loans $ 15,072 $ 14,918 Less: Advances — 4,250 Less: Letters of Credit 1,450 1,450 Available borrowing capacity $ 13,622 $ 9,218 Pledged non-PCD loans (contractual balance) $ 25,370 $ 23,491 FRB Lendable collateral value of pledged non-PCD loans $ 5,115 $ 4,203 Less: Advances — — Available borrowing capacity $ 5,115 $ 4,203 Pledged non-PCD loans (contractual balance) $ 6,273 $ 5,697 FDIC Lendable collateral value of pledged loans $ 51,179 $ — Less: Advances — — Less: Purchase Money Note 36,072 — Available borrowing capacity $ 15,107 $ — Pledged loans (contractual balance) $ 51,179 $ — As a member of the FHLB, FCB can access financing based on an evaluation of its creditworthiness, statement of financial position, size and eligibility of collateral. FCB may at any time grant a security interest in, sell, convey or otherwise dispose of any of the assets used for collateral, provided that FCB is in compliance with the collateral maintenance requirement immediately following such disposition. Under borrowing arrangements with the FRB of Richmond, BancShares has access to the FRB Discount Window on a secured basis. There were no outstanding borrowings with the FRB Discount Window at December 31, 2023 or 2022. In connection with the SVBB Acquisition, FCB and the FDIC entered into financing agreements, including the five-year Purchase Money Note of approximately $36.07 billion, and the Advance Facility Agreement, providing total advances available through March 27, 2025 of up to $70 billion. Refer to Note 2—Business Combinations for further discussion of these agreements and related collateral requirements and limits on usage.

Allowance for Loan and Lease Lo

Allowance for Loan and Lease Losses	12 Months Ended
	Dec. 31, 2023
Receivables [Abstract]
ALLOWANCE FOR LOAN AND LEASE LOSSES	NOTE 5 — ALLOWANCE FOR LOAN AND LEASE LOSSES The ALLL is reported as a separate line item on the Consolidated Balance Sheets, while the reserve for off-balance sheet credit exposure is included in other liabilities, presented in Note 15—Other Liabilities. The provision or benefit for credit losses related to (i) loans and leases (ii) off-balance sheet credit exposure, and (iii) investment securities available for sale is reported in the Consolidated Statements of Income as provision or benefit for credit losses. The Initial PCD ALLL for the SVBB Acquisition and the CIT Merger were established through a PCD Gross-Up and there were no corresponding increases to the provision for credit losses. The PCD Gross-Ups are discussed further in Note 1—Significant Accounting Policies and Basis of Presentation. The initial ALLL for Non-PCD loans and leases acquired in the SVBB Acquisition and the CIT Merger were established through corresponding increases to the provision for credit losses (the “day 2 provision for loan and lease losses”). The initial reserve for off-balance sheet credit exposure acquired in the SVBB Acquisition and the CIT Merger were established through a corresponding increase to the provision for off-balance sheet credit exposure (the “day 2 provision for off-balance sheet credit exposure”). The ALLL activity for loans and leases is summarized in the following table. Allowance for Loan and Lease Losses dollars in millions Year Ended December 31, 2023 Year Ended December 31, 2022 Commercial Consumer SVB Total Commercial Consumer SVB Total Balance at beginning of period $ 789 $ 133 $ — $ 922 $ 80 $ 98 $ — $ 178 Initial PCD ALLL — — 220 220 258 14 — 272 Day 2 provision for loan and lease losses — — 462 462 432 22 — 454 Provision (benefit) for loan and lease losses 541 27 135 703 101 (4) — 97 Total provision for loan and lease losses 541 27 597 1,165 533 18 — 551 Charge-offs (328) (28) (282) (638) (126) (20) — (146) Recoveries 44 14 20 78 44 23 — 67 Balance at end of period $ 1,046 $ 146 $ 555 $ 1,747 $ 789 $ 133 $ — $ 922 Year Ended December 31, 2021 Commercial Consumer SVB Total Balance at beginning of period $ 92 $ 133 $ — $ 225 Benefit for loan and lease losses (7) (30) — (37) Charge-offs (18) (18) — (36) Recoveries 13 13 — 26 Balance at end of period $ 80 $ 98 $ — $ 178 The following table presents the components of the provision for credit losses: Provision for Credit Losses dollars in millions Year Ended December 31, 2023 2022 2021 Day 2 provision for loan and lease losses $ 462 $ 454 $ — Provision (benefit) for loan and lease losses 703 97 (37) Total provision (benefit) for loan and lease losses 1,165 551 (37) Day 2 provision for off-balance sheet credit exposure 254 59 — (Benefit) provision for off-balance sheet credit exposure (44) 35 — Total provision for off-balance sheet credit exposure 210 94 — Benefit for investment securities available for sale credit losses — — — Provision (benefit) for credit losses $ 1,375 $ 645 $ (37)

Leases

Leases	12 Months Ended
	Dec. 31, 2023
Leases [Abstract]
LEASES	NOTE 6 — LEASES Lessee BancShares leases primarily include administrative offices and bank locations. Substantially all of our lease liabilities relate to United States real estate leases under operating lease arrangements. Our real estate leases have remaining lease terms of up to 34 years. Our lease terms may include options to extend or terminate the lease, and our operating leases have renewal terms that can extend from 1 to 25 years. The options are included in the lease term when it is determined that it is reasonably certain the option will be exercised. The following table presents supplemental balance sheet information and remaining weighted average lease terms and discount rates. Supplemental Lease Information dollars in millions Classification December 31, 2023 December 31, 2022 Lease assets: Operating lease ROU assets Other assets $ 354 $ 345 Finance leases Premises and equipment 9 7 Total lease assets $ 363 $ 352 Lease liabilities: Operating leases Other liabilities $ 396 $ 352 Finance leases Other borrowings 9 7 Total lease liabilities $ 405 $ 359 Weighted-average remaining lease terms: Operating leases 8.1 years 9.6 years Finance leases 15.4 years 4.1 years Weighted-average discount rate: Operating leases 2.70 % 2.19 % Finance leases 3.52 2.34 As of December 31, 2023, there were no leases that have not yet commenced that would have a material impact on BancShares’ consolidated financial statements. The following table presents components of lease cost: Components of Net Lease Cost dollars in millions Year Ended December 31, Classification 2023 2022 2021 Operating lease cost (1) Occupancy Expense $ 64 $ 58 $ 14 Finance lease ROU asset amortization Equipment expense 2 2 2 Variable lease cost (2) Occupancy Expense 25 12 3 Sublease income Occupancy Expense (3) (2) — Net lease cost (1), (2) $ 88 $ 70 $ 19 (1) In addition, approximately $34 million and $6 million related to subleases or closures of leased real estate were included in acquisition-related expenses in the Consolidated Statements of Income for the years ended December 31, 2023 and December 31, 2022, respectively. (2) Includes short-term lease cost, which is not significant. Operating lease cost is recognized as a single lease cost on a straight-line basis over the lease term. For finance leases, the ROU asset is amortized straight-line over the lease term as equipment expense and interest on the lease liability is recognized separately; however, interest on the lease liability was less than $1 million per year and is not presented in the table above. Variable lease cost includes common area maintenance, property taxes, utilities, and other operating expenses related to leased premises recognized in the period in which the expense was incurred. Certain of our lease agreements also include rental payments adjusted periodically for inflation. While lease liabilities are not remeasured because of these changes, these adjustments are treated as variable lease costs and recognized in the period in which the expense is incurred. Sublease income results from leasing excess building space that BancShares is no longer utilizing under operating leases, which have remaining lease terms of up to 13 years. The following table presents supplemental cash flow information related to leases: Supplemental Cash Flow Information dollars in millions Year Ended December 31, 2023 2022 2021 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 63 $ 54 $ 13 Operating cash flows from finance leases — — — Financing cash flows from finance leases 2 2 2 ROU assets obtained in exchange for new operating lease liabilities (1) 69 19 7 ROU assets obtained in exchange for new finance lease liabilities 4 5 — (1) Net of lease modification events, which resulted in a decrease of $11 million in lease liabilities and ROU assets for the year ended December 31, 2023. Reductions for lease modifications were not significant for the year ended December 31, 2022. The following table presents lease liability maturities at December 31, 2023: Maturity of Lease Liabilities dollars in millions Operating Leases Finance Leases Total 2024 $ 65 $ 2 $ 67 2025 67 2 69 2026 62 2 64 2027 52 1 53 2028 38 — 38 Thereafter 155 6 161 Total undiscounted lease payments $ 439 $ 13 $ 452 Difference between undiscounted cash flows and discounted cash flows 43 4 47 Lease liabilities, at present value $ 396 $ 9 $ 405 Lessor BancShares leases equipment to commercial end-users under operating lease and finance lease arrangements. The majority of operating lease equipment is long-lived rail equipment, which is typically leased several times over its life. We also lease technology and office equipment, and large and small industrial, medical, and transportation equipment under both operating leases and finance leases. Our Rail operating leases typically do not include purchase options. Many of our finance leases, and other equipment operating leases, offer the lessee the option to purchase the equipment at fair market value or for a nominal fixed purchase option. Many of the leases that do not have a nominal purchase option include renewal provisions resulting in some leases continuing beyond the initial contractual term. Our leases typically do not include early termination options. Continued rent payments are due if leased equipment is not returned at the end of the lease. The following table provides the net book value of operating lease equipment (net of accumulated depreciation of $658 million at December 31, 2023 and $296 million at December 31, 2022) by equipment type. Operating Lease Equipment dollars in millions December 31, 2023 December 31, 2022 Railcars and locomotives (1) $ 7,966 $ 7,433 Other equipment 780 723 Total (1) $ 8,746 $ 8,156 (1) Includes off-lease rail equipment of $253 million at December 31, 2023 and $457 million at December 31, 2022. The following table presents the components of the finance lease net investment on a discounted basis: Components of Net Investment in Finance Leases dollars in millions December 31, 2023 December 31, 2022 Lease receivables $ 1,780 $ 1,786 Unguaranteed residual assets 262 317 Total net investment in finance leases 2,042 2,103 Leveraged lease net investment (1) 13 68 Total $ 2,055 $ 2,171 (1) Leveraged leases are reported net of non-recourse debt of $5 million at December 31, 2023 and $11 million at December 31, 2022. Our leveraged lease arrangements commenced before the ASC 842, Leases, effective date of January 1, 2019, and continue to be reported under the leveraged lease accounting model. ASC 842 eliminated leveraged lease accounting for new leases and for existing leases modified on or after the standard’s effective date. The table that follows presents lease income related to BancShares’ operating and finance leases: Lease Income dollars in millions Year Ended December 31, 2023 2022 2021 Lease income – Operating leases $ 895 $ 796 $ — Variable lease income – Operating leases (1) 76 68 — Rental income on operating leases 971 864 — Interest income - Sales type and direct financing leases 171 169 18 Variable lease income included in Other noninterest income (2) 59 51 — Interest income - Leveraged leases 12 20 — Total lease income $ 1,213 $ 1,104 $ 18 (1) Primarily includes per diem railcar operating lease rental income earned on a time or mileage usage basis. (2) Includes leased equipment property tax reimbursements due from customers of $17 million for the years ended December 31, 2023 and 2022, and revenue related to insurance coverage on leased equipment of $42 million and $33 million for the years ended December 31, 2023 and 2022, respectively. There was no revenue related to property tax reimbursements due from customers or insurance coverage on leased equipment during 2021. The following tables present lease payments due on non-cancellable operating leases and lease receivables due on finance leases at December 31, 2023. Excluded from these tables are variable lease payments, including rentals calculated based on asset usage levels, rentals from future renewal and re-leasing activity, and expected sales proceeds from remarketing equipment at lease expiration, all of which are components of lease profitability. Maturity Analysis of Operating Lease Payments dollars in millions 2024 $ 786 2025 609 2026 449 2027 316 2028 189 Thereafter 408 Total $ 2,757 Maturity Analysis of Lease Receivable Payments - Sales Type and Direct Financing Leases dollars in millions 2024 $ 793 2025 579 2026 360 2027 198 2028 79 Thereafter 26 Total undiscounted lease receivables $ 2,035 Difference between undiscounted cash flows and discounted cash flows 255 Lease receivables, at present value $ 1,780
LEASES	NOTE 6 — LEASES Lessee BancShares leases primarily include administrative offices and bank locations. Substantially all of our lease liabilities relate to United States real estate leases under operating lease arrangements. Our real estate leases have remaining lease terms of up to 34 years. Our lease terms may include options to extend or terminate the lease, and our operating leases have renewal terms that can extend from 1 to 25 years. The options are included in the lease term when it is determined that it is reasonably certain the option will be exercised. The following table presents supplemental balance sheet information and remaining weighted average lease terms and discount rates. Supplemental Lease Information dollars in millions Classification December 31, 2023 December 31, 2022 Lease assets: Operating lease ROU assets Other assets $ 354 $ 345 Finance leases Premises and equipment 9 7 Total lease assets $ 363 $ 352 Lease liabilities: Operating leases Other liabilities $ 396 $ 352 Finance leases Other borrowings 9 7 Total lease liabilities $ 405 $ 359 Weighted-average remaining lease terms: Operating leases 8.1 years 9.6 years Finance leases 15.4 years 4.1 years Weighted-average discount rate: Operating leases 2.70 % 2.19 % Finance leases 3.52 2.34 As of December 31, 2023, there were no leases that have not yet commenced that would have a material impact on BancShares’ consolidated financial statements. The following table presents components of lease cost: Components of Net Lease Cost dollars in millions Year Ended December 31, Classification 2023 2022 2021 Operating lease cost (1) Occupancy Expense $ 64 $ 58 $ 14 Finance lease ROU asset amortization Equipment expense 2 2 2 Variable lease cost (2) Occupancy Expense 25 12 3 Sublease income Occupancy Expense (3) (2) — Net lease cost (1), (2) $ 88 $ 70 $ 19 (1) In addition, approximately $34 million and $6 million related to subleases or closures of leased real estate were included in acquisition-related expenses in the Consolidated Statements of Income for the years ended December 31, 2023 and December 31, 2022, respectively. (2) Includes short-term lease cost, which is not significant. Operating lease cost is recognized as a single lease cost on a straight-line basis over the lease term. For finance leases, the ROU asset is amortized straight-line over the lease term as equipment expense and interest on the lease liability is recognized separately; however, interest on the lease liability was less than $1 million per year and is not presented in the table above. Variable lease cost includes common area maintenance, property taxes, utilities, and other operating expenses related to leased premises recognized in the period in which the expense was incurred. Certain of our lease agreements also include rental payments adjusted periodically for inflation. While lease liabilities are not remeasured because of these changes, these adjustments are treated as variable lease costs and recognized in the period in which the expense is incurred. Sublease income results from leasing excess building space that BancShares is no longer utilizing under operating leases, which have remaining lease terms of up to 13 years. The following table presents supplemental cash flow information related to leases: Supplemental Cash Flow Information dollars in millions Year Ended December 31, 2023 2022 2021 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 63 $ 54 $ 13 Operating cash flows from finance leases — — — Financing cash flows from finance leases 2 2 2 ROU assets obtained in exchange for new operating lease liabilities (1) 69 19 7 ROU assets obtained in exchange for new finance lease liabilities 4 5 — (1) Net of lease modification events, which resulted in a decrease of $11 million in lease liabilities and ROU assets for the year ended December 31, 2023. Reductions for lease modifications were not significant for the year ended December 31, 2022. The following table presents lease liability maturities at December 31, 2023: Maturity of Lease Liabilities dollars in millions Operating Leases Finance Leases Total 2024 $ 65 $ 2 $ 67 2025 67 2 69 2026 62 2 64 2027 52 1 53 2028 38 — 38 Thereafter 155 6 161 Total undiscounted lease payments $ 439 $ 13 $ 452 Difference between undiscounted cash flows and discounted cash flows 43 4 47 Lease liabilities, at present value $ 396 $ 9 $ 405 Lessor BancShares leases equipment to commercial end-users under operating lease and finance lease arrangements. The majority of operating lease equipment is long-lived rail equipment, which is typically leased several times over its life. We also lease technology and office equipment, and large and small industrial, medical, and transportation equipment under both operating leases and finance leases. Our Rail operating leases typically do not include purchase options. Many of our finance leases, and other equipment operating leases, offer the lessee the option to purchase the equipment at fair market value or for a nominal fixed purchase option. Many of the leases that do not have a nominal purchase option include renewal provisions resulting in some leases continuing beyond the initial contractual term. Our leases typically do not include early termination options. Continued rent payments are due if leased equipment is not returned at the end of the lease. The following table provides the net book value of operating lease equipment (net of accumulated depreciation of $658 million at December 31, 2023 and $296 million at December 31, 2022) by equipment type. Operating Lease Equipment dollars in millions December 31, 2023 December 31, 2022 Railcars and locomotives (1) $ 7,966 $ 7,433 Other equipment 780 723 Total (1) $ 8,746 $ 8,156 (1) Includes off-lease rail equipment of $253 million at December 31, 2023 and $457 million at December 31, 2022. The following table presents the components of the finance lease net investment on a discounted basis: Components of Net Investment in Finance Leases dollars in millions December 31, 2023 December 31, 2022 Lease receivables $ 1,780 $ 1,786 Unguaranteed residual assets 262 317 Total net investment in finance leases 2,042 2,103 Leveraged lease net investment (1) 13 68 Total $ 2,055 $ 2,171 (1) Leveraged leases are reported net of non-recourse debt of $5 million at December 31, 2023 and $11 million at December 31, 2022. Our leveraged lease arrangements commenced before the ASC 842, Leases, effective date of January 1, 2019, and continue to be reported under the leveraged lease accounting model. ASC 842 eliminated leveraged lease accounting for new leases and for existing leases modified on or after the standard’s effective date. The table that follows presents lease income related to BancShares’ operating and finance leases: Lease Income dollars in millions Year Ended December 31, 2023 2022 2021 Lease income – Operating leases $ 895 $ 796 $ — Variable lease income – Operating leases (1) 76 68 — Rental income on operating leases 971 864 — Interest income - Sales type and direct financing leases 171 169 18 Variable lease income included in Other noninterest income (2) 59 51 — Interest income - Leveraged leases 12 20 — Total lease income $ 1,213 $ 1,104 $ 18 (1) Primarily includes per diem railcar operating lease rental income earned on a time or mileage usage basis. (2) Includes leased equipment property tax reimbursements due from customers of $17 million for the years ended December 31, 2023 and 2022, and revenue related to insurance coverage on leased equipment of $42 million and $33 million for the years ended December 31, 2023 and 2022, respectively. There was no revenue related to property tax reimbursements due from customers or insurance coverage on leased equipment during 2021. The following tables present lease payments due on non-cancellable operating leases and lease receivables due on finance leases at December 31, 2023. Excluded from these tables are variable lease payments, including rentals calculated based on asset usage levels, rentals from future renewal and re-leasing activity, and expected sales proceeds from remarketing equipment at lease expiration, all of which are components of lease profitability. Maturity Analysis of Operating Lease Payments dollars in millions 2024 $ 786 2025 609 2026 449 2027 316 2028 189 Thereafter 408 Total $ 2,757 Maturity Analysis of Lease Receivable Payments - Sales Type and Direct Financing Leases dollars in millions 2024 $ 793 2025 579 2026 360 2027 198 2028 79 Thereafter 26 Total undiscounted lease receivables $ 2,035 Difference between undiscounted cash flows and discounted cash flows 255 Lease receivables, at present value $ 1,780

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2023
Property, Plant and Equipment [Abstract]
PREMISES AND EQUIPMENT	NOTE 7 — PREMISES AND EQUIPMENT Major classifications of premises and equipment at December 31, 2023 and 2022 are summarized as follows: dollars in millions Useful Life (years) 2023 2022 Land indefinite $ 403 $ 352 Premises and leasehold improvements 3 - 30 1,609 1,458 Furniture, equipment and software 3 - 15 1,260 840 Total 3,272 2,650 Less accumulated depreciation and amortization 1,395 1,194 Premises and equipment, net $ 1,877 $ 1,456

Goodwill and Core Deposit Intan

Goodwill and Core Deposit Intangibles	12 Months Ended
	Dec. 31, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND CORE DEPOSIT INTANGIBLES	NOTE 8 — GOODWILL AND CORE DEPOSIT INTANGIBLES Goodwill BancShares applied the acquisition method of accounting for the SVBB Acquisition and the CIT Merger. The fair value of the net assets acquired and core deposit intangibles exceeded the purchase prices for both acquisitions. Consequently, there was a gain on acquisition (and no goodwill) as discussed further in Note 2—Business Combinations. BancShares had goodwill of $346 million at December 31, 2023 and 2022 that relates to business combinations completed prior to the SVBB Acquisition and the CIT Merger. All of the goodwill relates to the General Banking goodwill reporting unit. BancShares’ evaluates goodwill for impairment during the Annual Goodwill Impairment Test, or more frequently if events occur or circumstances change that may trigger a decline in the value of the reporting unit or otherwise indicate that a potential impairment exists. There was no goodwill impairment during the years ended December 31, 2023, 2022, or 2021. Core Deposit Intangibles Core deposit intangibles represent the estimated fair value of core deposits and other customer relationships acquired. Core deposit intangibles are being amortized over their estimated useful life. The following tables summarize the activity for core deposit intangibles during the year ended December 31, 2023 and 2022: Core Deposit Intangibles dollars in millions 2023 2022 Balance at January 1, net of accumulated amortization $ 140 $ 19 Core deposit intangibles related to the SVBB Acquisition 230 — Core deposit intangibles related to the CIT Merger — 143 Amortization for the period (58) (22) Balance at December 31, net of accumulated amortization $ 312 $ 140 The following tables summarize the accumulated amortization balance for core deposit intangibles at December 31, 2023 and 2022: Core Deposit Intangible Accumulated Amortization dollars in millions December 31, 2023 December 31, 2022 Gross balance $ 501 $ 271 Accumulated amortization (189) (131) Balance, net of accumulated amortization $ 312 $ 140 The following table summarizes the expected amortization expense as of December 31, 2023 in subsequent periods for core deposit intangibles: Core Deposit Intangible Expected Amortization dollars in millions 2024 $ 63 2025 54 2026 46 2027 39 2028 34 Thereafter 76 Balance, net of accumulated amortization $ 312 Intangible Liability An intangible liability of $52 million was recorded in other liabilities for net below market lessor lease contract rental rates related to the rail portfolio as a result of the CIT Merger. This lease intangible is being amortized on a straight-line basis over the lease term, thereby increasing rental income (a component of noninterest income) over the remaining term of the lease agreements. The following tables summarize the activity for the intangible liability during the year ended December 31, 2023 and 2022: Intangible Liability dollars in millions 2023 2022 Balance at January 1 $ 36 $ — Acquired in CIT Merger — 52 Amortization (12) (16) Balance at December 31, net of accumulated amortization $ 24 $ 36 The following tables summarize the accumulated amortization balance for the intangible liability at December 31, 2023 and 2022: Intangible Liability Accumulated Amortization dollars in millions December 31, 2023 December 31, 2022 Gross balance $ 52 $ 52 Accumulated amortization (28) (16) Balance, net of accumulated amortization $ 24 $ 36 The following table summarizes the expected amortization as of December 31, 2023 in subsequent periods for the intangible liability: Intangible Liability dollars in millions 2024 $ 6 2025 4 2026 3 2027 2 2028 2 Thereafter 7 Total $ 24

Mortgage Servicing Rights

Mortgage Servicing Rights	12 Months Ended
	Dec. 31, 2023
Transfers and Servicing of Financial Assets [Abstract]
Mortgage Servicing Rights	NOTE 9 — MORTGAGE SERVICING RIGHTS BancShares originates certain residential mortgages loans to sell in the secondary market. BancShares’ portfolio of residential mortgage loans serviced for third parties was approximately $3.45 billion and $3.69 billion at December 31, 2023 and 2022, respectively. For certain loans, the originated loans are sold to third parties on a non-recourse basis with servicing rights retained. The retained servicing rights are recorded as a servicing asset and are reported in other assets. The associated amortization expense and any changes in the valuation allowance recognized were included as a reduction of mortgage income. MSRs are initially recorded at fair value and then carried at the lower of amortized cost or fair value. Contractually specified mortgage servicing fees, late fees and ancillary fees earned are reported in mortgage income and were $9 million, $10 million, and $9 million for the year ended December 31, 2023, 2022 and 2021 respectively. The following table presents changes in the servicing asset during the year ended December 31, 2023, 2022 and 2021: Servicing Asset dollars in millions Year Ended December 31, 2023 2022 2021 Beginning balance $ 25 $ 23 $ 18 Servicing rights originated 4 4 11 Servicing rights obtained in CIT Merger — 3 — Amortization (4) (6) (9) Valuation allowance benefit — 1 3 Ending balance $ 25 $ 25 $ 23 The following table presents the activity in the servicing asset valuation allowance: Servicing Asset Valuation Allowance dollars in millions Year Ended December 31, 2023 2022 2021 Beginning balance $ — $ 1 $ 4 Valuation allowance benefit — (1) (3) Ending balance $ — $ — $ 1 MSRs valuations are performed using a pooling methodology where loans with similar risk characteristics are grouped together and evaluated using discounted cash flows to estimate the present value of future earnings. Key economic assumptions used to value MSRs were as follows: MSRs Valuation Assumptions December 31, 2023 December 31, 2022 Discount rate 10.20 % 9.62 % Weighted average constant prepayment rate 7.66 % 6.76 % Weighted average cost to service a loan $ 80 $ 81

Variable Interest Entities

Variable Interest Entities	12 Months Ended
	Dec. 31, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
VARIABLE INTEREST ENTITIES	NOTE 10 — VARIABLE INTEREST ENTITIES Variable Interest Entities Described below are the results of BancShares’ assessment of its variable interests in order to determine its current status with regard to being the VIE primary beneficiary. Refer to Note 1—Significant Accounting Policies and Basis of Presentation for additional information on accounting for VIEs and investments in qualified housing projects. Consolidated VIEs At December 31, 2023 and 2022, there were no consolidated VIEs. Unconsolidated VIEs Unconsolidated VIEs include limited partnership interests and joint ventures where BancShares’ involvement is limited to an investor interest and BancShares does not have the power to direct the activities of the VIE that most significantly impact the VIE’s economic performance or obligation to absorb losses or the right to receive benefits that could potentially be significant to the VIE. The table below provides a summary of the assets and liabilities included on the Consolidated Balance Sheets associated with unconsolidated VIEs. The table also presents our maximum exposure to loss which consists of outstanding book basis and unfunded commitments for future investments, and represents potential losses that would be incurred under hypothetical circumstances, such that the value of BancShares’ interests and any associated collateral declines to zero and assuming no recovery. BancShares believes the possibility is remote under this hypothetical scenario; accordingly, this disclosure is not an indication of expected loss. As disclosed in Note 2—Business Combinations, the following tables as of December 31, 2023 include VIEs acquired in the SVBB Acquisition. Unconsolidated VIEs Carrying Value dollars in millions December 31, 2023 December 31, 2022 Affordable housing tax credit investments $ 1,887 $ 598 Other tax credit equity investments 3 5 Total tax credit equity investments $ 1,890 $ 603 Other unconsolidated investments 162 159 Total assets (maximum loss exposure) (2) $ 2,052 $ 762 Liabilities for commitments to tax credit investments (3) $ 947 $ 295 (1) These investments provide tax benefits to investors in the form of tax deductions from operating losses and tax credits. During 2023, 2022, and 2021, BancShares recorded $169 million, $60 million, and $22 million, respectively, in tax provisions under the proportional amortization method. During 2023, 2022, and 2021, BancShares recognized total tax benefits of $176 million, $77 million, and $26 million, which included tax credits of $157 million, $60 million, and $22 million, respectively, recorded in income taxes. See Note 1 – Significant Accounting Policies and Basis of Presentation for additional information. (2) Included in other assets. (3) Represents commitments to invest in qualified affordable housing investments and other investments qualifying for community reinvestment tax credits. These commitments are payable on demand and are included in other liabilities.

Other Assets

Other Assets	12 Months Ended
	Dec. 31, 2023
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
OTHER ASSETS	NOTE 11 — OTHER ASSETS The following table includes the components of other assets. The increases from December 31, 2022 primarily reflect other assets associated with the SVBB Acquisition, as described in Note 2—Business Combinations. Other Assets dollars in millions December 31, 2023 December 31, 2022 Affordable housing tax credit and other unconsolidated investments (1) $ 2,052 $ 762 Accrued interest receivable 832 329 Fair value of derivative financial instruments 640 159 Pension assets 474 343 Right of use assets for operating leases, net 354 345 Income tax receivable 209 275 Counterparty receivables 114 98 Bank-owned life insurance 105 586 Nonmarketable equity securities 103 58 Other real estate owned 58 47 Mortgage servicing rights 25 25 Federal Home Loan Bank stock 20 197 Other (2) 871 1,145 Total other assets $ 5,857 $ 4,369 (1) Refer to Note 10—Variable Interest Entities for additional information. (2) The balance at December 31, 2022 included $607 million related to bank-owned life insurance policies that were terminated, but not cash-settled. These items cash-settled during 2023.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2023
Statistical Disclosure for Banks [Abstract]
DEPOSITS	NOTE 12 — DEPOSITS The following table provides detail on deposit types. Refer to Note 2—Business Combinations for discussion of the deposits assumed in the SVBB Acquisition. Deposit Types dollars in millions December 31, 2023 December 31, 2022 Noninterest-bearing demand $ 39,799 $ 24,922 Checking with interest 23,754 16,202 Money market 30,616 21,040 Savings 35,258 16,834 Time 16,427 10,410 Total deposits $ 145,854 $ 89,408 At December 31, 2023, the scheduled maturities of time deposits were: Deposit Maturities dollars in millions Twelve months ended December 31, 2024 $ 15,175 2025 1,126 2026 74 2027 34 2028 18 Thereafter — Total time deposits $ 16,427

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2023
Debt Disclosure [Abstract]
BORROWINGS	NOTE 13 — BORROWINGS Short-term Borrowings Short-term borrowings at December 31, 2023 and 2022 include: dollars in millions December 31, 2023 December 31, 2022 Securities sold under customer repurchase agreements $ 485 $ 436 Notes payable to FHLB of Atlanta at overnight SOFR plus spreads ranging from 0.19% to 0.20%. — 1,750 Total short-term borrowings $ 485 $ 2,186 Securities Sold under Agreements to Repurchase BancShares held $485 million and $436 million at December 31, 2023 and 2022, respectively, of securities sold under agreements to repurchase that have overnight contractual maturities and are collateralized by government agency securities. BancShares utilizes securities sold under agreements to repurchase to facilitate the needs for collateralization of commercial customers and secure wholesale funding needs. Repurchase agreements are transactions whereby BancShares offers to sell to a counterparty an undivided interest in an eligible security at an agreed upon purchase price, and which obligates BancShares to repurchase the security at an agreed upon date, repurchase price and interest rate. These agreements are recorded at the amount of cash received in connection with the transactions and are reflected as securities sold under customer repurchase agreements. BancShares monitors collateral levels on a continuous basis and maintains records of each transaction specifically describing the applicable security and the counterparty’s fractional interest in that security, and segregates the security from general assets in accordance with regulations governing custodial holdings of securities. The primary risk with repurchase agreements is market risk associated with the investments securing the transactions, as additional collateral may be required based on fair value changes of the underlying investments. Securities pledged as collateral under repurchase agreements are maintained with safekeeping agents. The carrying value of investment securities pledged as collateral under repurchase agreements was $502 million and $496 million at December 31, 2023 and 2022, respectively. Long-term Borrowings Long-term borrowings at December 31, 2023 and 2022 include: Long-term Borrowings dollars in millions Maturity December 31, 2023 December 31, 2022 Parent Company: Subordinated: Fixed-to-Floating subordinated notes at 3.375% March 2030 $ 350 $ 350 Junior subordinated debentures at 3-month LIBOR plus 2.25% (FCB/SC Capital Trust II) (2) June 2034 20 20 Junior subordinated debentures at 3-month LIBOR plus 1.75% (FCB/NC Capital Trust III) June 2036 — 88 Subsidiaries: Senior: Senior unsecured fixed-to-floating rate notes at 3.929% June 2024 — 500 Senior unsecured fixed-to-floating rate notes at 2.969% September 2025 316 315 Fixed senior unsecured notes at 6.00% April 2036 51 51 Subordinated: Fixed subordinated notes at 6.125% March 2028 404 400 Fixed-to-Fixed subordinated notes at 4.125% November 2029 100 100 Junior subordinated debentures at 3-month LIBOR plus 2.80% (Macon Capital Trust I) March 2034 — 14 Junior subordinated debentures at 3-month LIBOR plus 2.85% (SCB Capital Trust I) (2) April 2034 10 10 Secured: Notes payable to FHLB of Atlanta at overnight SOFR plus spreads ranging from 0.24% to 0.34% Maturities through September 2025 — 2,500 Purchase Money Note to FDIC fixed at 3.50% (1) March 2028 36,072 — Other secured financings Maturities through January 2024 — 18 Capital lease obligations Maturities through May 2057 9 7 Unamortized issuance costs — (1) Unamortized purchase accounting adjustments (163) 87 Total long-term borrowings $ 37,169 $ 4,459 (1) Issued in connection with the SVBB Acquisition and secured by collateral as discussed below and in Note 2—Business Combinations. (2) As of December 31, 2023, debt holders had received notice of the debt calls, but funds to settle the calls had not been disbursed. Contractual maturities of long-term borrowings (borrowings with original maturities of more than one year) at December 31, 2023 are included in the following table. Long-term Borrowings Maturities dollars in millions Year Ended December 31, (1) 2024 $ (34) 2025 282 2026 (38) 2027 (37) 2028 36,461 Thereafter 535 Total long-term borrowings $ 37,169 (1) Amounts in this table include amortization and accretion of purchase accounting adjustments based on the scheduled periods of recognition. Pledged Assets

Derivative Financial Instrument

Derivative Financial Instruments	12 Months Ended
	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVE FINANCIAL INSTRUMENTS	NOTE 14 — DERIVATIVE FINANCIAL INSTRUMENTS Our derivatives that are designated as hedging instruments include interest rate swaps that we utilize to manage our interest rate exposure on certain fixed-rate borrowings included on our Consolidated Balances Sheets. Our derivatives not designated as hedging instruments mainly include interest rate and foreign exchange contracts that our customers utilize to manage their risk management needs. We typically manage our exposure to these customer derivatives by entering into offsetting or “back-to-back” interest rate and foreign exchange contracts with third-party dealers. Derivative instruments that are cleared through certain central counterparty clearing houses are settled-to-market and reported net of collateral positions as further discussed in Note 1—Significant Accounting Policies and Basis of Presentation. The following table presents notional amounts and fair values of derivative financial instruments: Notional Amount and Fair Value of Derivative Financial Instruments dollars in millions December 31, 2023 December 31, 2022 Notional Amount Asset Fair Value Liability Fair Value Notional Amount Asset Fair Value Liability Fair Value Derivatives designated as hedging instruments (Qualifying hedges) Interest rate contracts – fair value hedges (1) (4) $ 815 $ — $ — $ — $ — $ — Derivatives not designated as hedging instruments (Non-qualifying hedges) Interest rate contracts (1) (4) $ 24,548 $ 530 $ (518) $ 18,173 $ 158 $ (482) Foreign exchange contracts (2) 9,142 104 (117) 125 1 (4) Other contracts (3) 983 6 (1) 507 — — Total derivatives not designated as hedging instruments $ 34,673 640 (636) $ 18,805 159 (486) Gross derivatives fair values presented in the Consolidated Balance Sheets 640 (636) 159 (486) Less: Gross amounts offset in the Consolidated Balance Sheets — — — — Net amount presented in other assets and other liabilities in the Consolidated Balance Sheets 640 (636) 159 (486) Less: Amounts subject to master netting agreements (5) (97) 97 (13) 13 Less: Cash collateral pledged (received) subject to master netting agreements (6) (405) 39 (124) — Total net derivative fair value $ 138 $ (500) $ 22 $ (473) (1) Fair value balances include accrued interest. (2) The foreign exchange contracts exclude foreign exchange spot contracts. The notional and net fair value amounts of these contracts were $179 million and $0 million, respectively, as of December 31, 2023, and $0 million for both notional and net fair value amounts as of December 31, 2022. (3) Other derivative contracts not designated as hedging instruments include risk participation agreements and equity warrants. (4) BancShares accounts for swap contracts cleared by the Chicago Mercantile Exchange and LCH Clearnet as “settled-to-market.” As a result, variation margin payments are characterized as settlement of the derivative exposure and variation margin balances are netted against the corresponding derivative mark-to-market balances. Gross amounts of recognized assets and liabilities were lowered by $66 million and $37 million, respectively, at December 31, 2023 which includes $4 million and $0 million relating to qualifying hedges, respectively. Gross amounts of recognized assets and liabilities were lowered by $376 million and $19 million, respectively at December 31, 2022. (5) BancShares’ derivative transactions are governed by International Swaps and Derivatives Association (“ISDA”) agreements that allow for net settlements of certain payments as well as offsetting of all contracts with a given counterparty in the event of bankruptcy or default of one of the two parties to the transaction. BancShares believes its ISDA agreements meet the definition of a master netting arrangement or similar agreement for purposes of the above disclosure. (6) In conjunction with the ISDA agreements described above, BancShares has entered into collateral arrangements with its counterparties, which provide for the exchange of cash depending on the change in the market valuation of the derivative contracts outstanding. Such collateral is available to be applied in settlement of the net balances upon an event of default of one of the counterparties. Collateral pledged or received is included in other assets or deposits, respectively. Qualifying Hedges The following table represents the impact of fair value hedges on the Consolidated Statements of Income. Gains (Losses) on Qualifying Hedges dollars in millions Year Ended December 31, Amounts Recognized 2023 2022 2021 Recognized on derivatives Interest expense - borrowings $ 4 $ — $ — Recognized on hedged item Interest expense - borrowings (5) — — Total qualifying hedges - income statement impact $ (1) $ — $ — The following table presents the carrying value of hedged items and associated cumulative hedging adjustment related to fair value hedges. dollars in millions Cumulative Fair Value Hedging Adjustment Included in the Carrying Value of Hedged Items Carrying Value of Hedged Items Currently Designated No Longer Designated December 31, 2023 Long-term borrowings $ 879 $ 5 $ — December 31, 2022 Long-term borrowings $ — $ — $ — Non-Qualifying Hedges The following table presents gains of non-qualifying hedges recognized on the Consolidated Statements of Income. Gains (Losses) on Non-Qualifying Hedges dollars in millions Year Ended December 31, Amounts Recognized 2023 2022 2021 Interest rate contracts Other noninterest income $ 32 $ 12 $ — Foreign currency forward contracts Other noninterest income (8) 20 — Other contracts Other noninterest income 1 1 — Total non-qualifying hedges - income statement impact $ 25 $ 33 $ —

Other Liabilities

Other Liabilities	12 Months Ended
	Dec. 31, 2023
Other Liabilities Disclosure [Abstract]
OTHER LIABILITIES	NOTE 15 — OTHER LIABILITIES The following table includes the components of other liabilities. Refer to Note 2—Business Combinations for discussion of the other liabilities assumed in the SVBB Acquisition. Other Liabilities dollars in millions December 31, 2023 December 31, 2022 Deferred taxes (1) $ 3,579 $ 286 Commitments to fund tax credit investments 947 295 Incentive plan liabilities 676 267 Fair value of derivative financial instruments 636 486 Accrued expenses and accounts payable 397 275 Lease liabilities 396 352 Reserve for off-balance sheet credit exposure 316 106 Accrued interest payable 137 57 Other 822 464 Total other liabilities $ 7,906 $ 2,588 (1) Components of the deferred tax liability are detailed in Note 21 - Income Taxes.

Fair Value

Fair Value	12 Months Ended
	Dec. 31, 2023
Fair Value Disclosures [Abstract]
FAIR VALUE	NOTE 16 — FAIR VALUE Fair Value Hierarchy BancShares measures certain financial assets and liabilities at fair value. Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. GAAP also establishes a fair value hierarchy, which prioritizes the inputs to valuation techniques used to measure fair value into three levels. Assets and liabilities are recorded at fair value according to a fair value hierarchy comprised of three levels. The levels are based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. The level within the fair value hierarchy for an asset or liability is based on the lowest level of input significant to the fair value measurement with Level 1 inputs considered highest and Level 3 inputs considered lowest. A brief description of each input level follows: • Level 1 inputs are quoted prices in active markets for identical assets and liabilities. • Level 2 inputs are quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active and inputs other than quoted prices observable for the assets or liabilities and market corroborated inputs. • Level 3 inputs are unobservable inputs for the asset or liability. These unobservable inputs and assumptions reflect the estimates market participants would use in pricing the asset or liability. Assets and Liabilities Measured at Fair Value on a Recurring Basis The following table summarizes BancShares’ assets and liabilities measured at estimated fair value on a recurring basis: Assets and Liabilities Measured at Fair Value - Recurring Basis dollars in millions December 31, 2023 Total Level 1 Level 2 Level 3 Assets Investment securities available for sale U.S. Treasury $ 10,508 $ — $ 10,508 $ — Government agency 117 — 117 — Residential mortgage-backed securities 6,686 — 6,686 — Commercial mortgage-backed securities 2,131 — 2,131 — Corporate bonds 482 — 325 157 Municipal bonds 12 — 12 — Total investment securities available for sale $ 19,936 $ — $ 19,779 $ 157 Marketable equity securities 84 36 48 — Loans held for sale 38 — 38 — Derivative assets (1) Interest rate contracts — qualifying hedges $ — $ — $ — $ — Interest rate contracts — non-qualifying hedges $ 530 $ — $ 529 $ 1 Foreign exchange contracts — non-qualifying hedges 104 — 104 — Other derivative contracts — non-qualifying hedges 6 — — 6 Total non-qualifying hedge assets $ 640 $ — $ 633 $ 7 Total derivative assets $ 640 $ — $ 633 $ 7 Liabilities Derivative liabilities (1) Interest rate contracts — qualifying hedges $ — $ — $ — $ — Interest rate contracts — non-qualifying hedges $ 518 $ — $ 518 $ — Foreign exchange contracts — non-qualifying hedges 117 — 117 — Other derivative contracts — non-qualifying hedges 1 — — 1 Total non-qualifying hedge liabilities $ 636 $ — $ 635 $ 1 Total derivative liabilities $ 636 $ — $ 635 $ 1 December 31, 2022 Total Level 1 Level 2 Level 3 Assets Investment securities available for sale U.S. Treasury $ 1,898 $ — $ 1,898 $ — Government agency 162 — 162 — Residential mortgage-backed securities 4,795 — 4,795 — Commercial mortgage-backed securities 1,604 — 1,604 — Corporate bonds 536 — 362 174 Total investment securities available for sale $ 8,995 $ — $ 8,821 $ 174 Marketable equity securities 95 32 63 — Loans held for sale 4 — 4 — Derivative assets (1) Interest rate contracts — non-qualifying hedges $ 158 $ — $ 158 $ — Foreign exchange contracts — non-qualifying hedges 1 — 1 — Total derivative assets $ 159 $ — $ 159 $ — Liabilities Derivative liabilities (1) Interest rate contracts — non-qualifying hedges $ 482 $ — $ 482 $ — Foreign exchange contracts — non-qualifying hedges 4 — 4 — Total derivative liabilities $ 486 $ — $ 486 $ — (1) Derivative fair values include accrued interest. The methods and assumptions used to estimate the fair value of each class of financial instruments measured at fair value on a recurring basis are as follows: Investment securities available for sale . The fair value of U.S. Treasury, government agency, mortgage-backed securities, municipal bonds, and a portion of the corporate bonds are generally estimated using a third-party pricing service. To obtain an understanding of the processes and methodologies used, management reviews correspondence from the third-party pricing service. Management also performs a price variance analysis process to corroborate the reasonableness of prices. The third-party provider evaluates securities based on comparable investments with trades and market data and will utilize pricing models which use a variety of inputs, such as benchmark yields, reported trades, issuer spreads, benchmark securities, bids and offers as needed. These securities are generally classified as Level 2. The remaining corporate bonds held are generally measured at fair value based on indicative bids from broker-dealers using inputs that are not directly observable. These securities are classified as Level 3. Marketable equity securities. Equity securities are measured at fair value using observable closing prices. The valuation also considers the amount of market activity by examining the trade volume of each security. Equity securities are classified as Level 1 if they are traded in an active market and as Level 2 if the observable closing price is from a less than active market. Loans held for sale. Certain residential real estate loans originated for sale to investors are carried at fair value based on quoted market prices for similar types of loans. Accordingly, the inputs used to calculate fair value of originated residential real estate loans held for sale are considered Level 2 inputs. Derivative Assets and Liabilities. Derivatives were valued using models that incorporate inputs depending on the type of derivative. Other than the fair value of equity warrants and credit derivatives, which were estimated using Level 3 inputs, most derivative instruments were valued using Level 2 inputs based on observed pricing for similar assets and liabilities and model-based valuation techniques for which all significant assumptions are observable in the market. See Note 14—Derivative Financial Instruments for notional amounts and fair values. The following tables summarize information about significant unobservable inputs related to BancShares’ categories of Level 3 financial assets and liabilities measured on a recurring basis: Quantitative Information About Level 3 Fair Value Measurements - Recurring Basis dollars in millions Financial Instrument Estimated Valuation Significant Unobservable Inputs December 31, 2023 Assets Corporate bonds $ 157 Indicative bid provided by broker Multiple factors, including but not limited to, current operations, financial condition, cash flows, and recently executed financing transactions related to the issuer. Interest rate & other derivative — non-qualifying hedges $ 7 Internal valuation model Multiple factors, including but not limited to, private company valuation, illiquidity discount, and estimated life of the instrument. Liabilities Interest rate & other derivative — non-qualifying hedges $ 1 Internal valuation model Not material December 31, 2022 Assets Corporate bonds $ 174 Indicative bid provided by broker Multiple factors, including but not limited to, current operations, financial condition, cash flows, and recently executed financing transactions related to the issuer. The following table summarizes the changes in estimated fair value for all assets and liabilities measured at estimated fair value on a recurring basis using significant unobservable inputs (Level 3): Changes in Estimated Fair Value of Level 3 Financial Assets and Liabilities - Recurring Basis dollars in millions Year Ended December 31, 2023 Year Ended December 31, 2022 Corporate Bonds Other Derivative Assets — Non-Qualifying Other Derivative Liabilities — Non-Qualifying Corporate Bonds Other Derivative Liabilities — Non-Qualifying Beginning balance $ 174 $ — $ — $ 207 $ — Purchases — 6 — — 1 Changes in FV included in earnings — 1 — — (1) Changes in FV included in comprehensive income (8) — — (19) — Transfers in — — 1 — — Transfers out — — — (14) — Maturity and settlements (9) — — — — Ending balance $ 157 $ 7 $ 1 $ 174 $ — Fair Value Option The following table summarizes the difference between the aggregate fair value and the UPB for residential mortgage loans originated for sale measured at fair value as of December 31, 2023 and 2022: Aggregate Fair Value and UPB - Residential Mortgage Loans dollars in millions December 31, 2023 Fair Value Unpaid Principal Balance Difference Originated loans held for sale $ 38 $ 37 $ 1 December 31, 2022 Fair Value Unpaid Principal Balance Difference Originated loans held for sale $ 4 $ 4 $ — BancShares has elected the fair value option for residential mortgage loans originated for sale. This election reduces certain timing differences in the Consolidated Statements of Income and better aligns with the management of the portfolio from a business perspective. The changes in fair value were recorded as a component of mortgage income and included $0 million and a loss of $3 million for the year ended December 31, 2023 and 2022, respectively. Interest earned on loans held for sale is recorded within interest income on loans and leases in the Consolidated Statements of Income. No originated loans held for sale were 90 or more days past due or on nonaccrual status as of December 31, 2023 or 2022. Assets Measured at Estimated Fair Value on a Non-recurring Basis Certain assets or liabilities are required to be measured at estimated fair value on a non-recurring basis subsequent to initial recognition. Generally, these adjustments are the result of LOCOM or other impairment accounting. The following table presents carrying value of assets measured at estimated fair value on a non-recurring basis for which gains and losses have been recorded in the periods. The gains and losses reflect amounts recorded for the respective periods, regardless of whether the asset is still held at period end. Assets Measured at Fair Value - Non-recurring Basis dollars in millions Fair Value Measurements Total Level 1 Level 2 Level 3 Total Gains (Losses) December 31, 2023 Assets held for sale - loans $ 12 $ — $ — $ 12 $ (4) Loans - collateral dependent loans 265 — — 265 (131) Other real estate owned 16 — — 16 4 Total $ 293 $ — $ — $ 293 $ (131) December 31, 2022 Assets held for sale - loans $ 23 $ — $ — $ 23 $ (1) Loans - collateral dependent loans 149 — — 149 (24) Other real estate owned 43 — — 43 14 Mortgage servicing rights — — — — 1 Total $ 215 $ — $ — $ 215 $ (10) Certain other assets are adjusted to their fair value on a non-recurring basis, including certain loans, OREO, and goodwill, which are periodically tested for impairment, and MSRs, which are carried at the lower of amortized cost or market. Most loans held for investment, deposits, and borrowings are not reported at fair value. The methods and assumptions used to estimate the fair value of each class of financial instruments measured at fair value on a non-recurring basis are as follows: Assets held for sale - loans. Loans held for investment subsequently transferred to held for sale are carried at the LOCOM. When available, the fair values for the transferred loans are based on quoted prices from the purchase commitments for the individual loans being transferred and are considered Level 1 inputs. The fair value of Level 2 assets was primarily estimated based on prices of recent trades of similar assets. For other loans held for sale, the fair value of Level 3 assets was primarily measured under the income approach using the discounted cash flow model based on Level 3 inputs including discount rate or the price of committed trades. Loans - collateral dependent loans. The population of Level 3 loans measured at fair value on a non-recurring basis includes collateral-dependent loans evaluated individually. Collateral values are determined using appraisals or other third-party value estimates of the subject property discounted based on estimated selling costs, and adjustments for other external factors that may impact the marketability of the collateral. Other real estate owned. OREO is carried at LOCOM. OREO asset valuations are determined by using appraisals or other third-party value estimates of the subject property with discounts, generally between 6% and 11%, applied for estimated selling costs and other external factors that may impact the marketability of the property. At December 31, 2023 and 2022, the weighted average discount applied was 8.59% and 9.31%, respectively. Changes to the value of the assets between scheduled valuation dates are monitored through continued communication with brokers and monthly reviews by the asset manager assigned to each asset. If there are any significant changes in the market or the subject property, valuations are adjusted or new appraisals are ordered to ensure the reported values reflect the most current information. Mortgage servicing rights. MSRs are initially recorded at fair value and subsequently carried at the lower of amortized cost or market. Therefore, servicing rights are carried at fair value only when fair value is less than the amortized cost. The fair value of MSRs is determined using a pooling methodology. Similar loans are pooled together and a model which relies on discount rates, estimates of prepayment rates and the weighted average cost to service the loans is used to determine the fair value. The inputs used in the fair value measurement for MSRs are considered Level 3 inputs. Financial Instruments Fair Value The table below presents the carrying values and estimated fair values for financial instruments, excluding leases and certain other assets and liabilities for which these disclosures are not required. Carrying Values and Fair Values of Financial Assets and Liabilities dollars in millions December 31, 2023 Estimated Fair Value Carrying Value Level 1 Level 2 Level 3 Total Financial Assets Cash and due from banks $ 908 $ 908 $ — $ — $ 908 Interest-earning deposits at banks 33,609 33,609 — — 33,609 Securities purchased under agreements to resell 473 — 473 — 473 Investment in marketable equity securities 84 36 48 — 84 Investment securities available for sale 19,936 — 19,779 157 19,936 Investment securities held to maturity 9,979 — 8,503 — 8,503 Loans held for sale 73 — 38 35 73 Net loans 129,545 — 1,479 125,217 126,696 Accrued interest receivable 832 — 832 — 832 Federal Home Loan Bank stock 20 — 20 — 20 Mortgage servicing rights 25 — — 42 42 Derivative assets - qualifying hedges — — — — — Derivative assets - non-qualifying hedges 640 — 633 7 640 Financial Liabilities Deposits with no stated maturity 129,427 — 129,427 — 129,427 Time deposits 16,427 — 16,416 — 16,416 Credit balances of factoring clients 1,089 — — 1,089 1,089 Securities sold under customer repurchase agreements 485 — 485 — 485 Long-term borrowings 37,160 — 36,816 — 36,816 Accrued interest payable 137 — 137 — 137 Derivative liabilities - qualifying hedges — — — — — Derivative liabilities - non-qualifying hedges 636 — 635 1 636 December 31, 2022 Estimated Fair Value Carrying Value Level 1 Level 2 Level 3 Total Financial Assets Cash and due from banks $ 518 $ 518 $ — $ — $ 518 Interest-earning deposits at banks 5,025 5,025 — — 5,025 Investment in marketable equity securities 95 32 63 — 95 Investment securities available for sale 8,995 — 8,821 174 8,995 Investment securities held to maturity 10,279 — 8,795 — 8,795 Loans held for sale 52 — 4 45 49 Net loans 67,720 — 1,679 62,633 64,312 Accrued interest receivable 329 — 329 — 329 Federal Home Loan Bank stock 197 — 197 — 197 Mortgage servicing rights 25 — — 47 47 Derivative assets - non-qualifying hedges 159 — 159 — 159 Financial Liabilities Deposits with no stated maturity 78,798 — 78,798 — 78,798 Time deposits 10,610 — 10,504 — 10,504 Credit balances of factoring clients 995 — — 995 995 Securities sold under customer repurchase agreements 436 — 436 — 436 Other short-term borrowings 1,750 — 1,750 — 1,750 Long-term borrowings 4,452 — 4,312 18 4,330 Accrued interest payable 57 — 57 — 57 Derivative liabilities - non-qualifying hedges 486 — 486 — 486 The methods and assumptions used to estimate the fair value of each class of financial instruments not discussed elsewhere are as follows: I nterest-earning Deposits at Banks. The carrying value of interest-earning deposits at banks approximates its fair value due to its short-term nature. The balance at December 31, 2023 included $211 million as a required minimum deposit under the Advanced Facility Agreement. Net loans. The carrying value of net loans is net of the ALLL. Loans are generally valued by discounting expected cash flows using market inputs with adjustments based on cohort level assumptions for certain loan types as well as internally developed estimates at a business segment level. Due to the significance of the unobservable market inputs and assumptions, as well as the absence of a liquid secondary market for most loans, these loans are classified as Level 3. Certain loans are measured based on observable market prices sourced from external data providers and classified as Level 2. Nonaccrual loans are written down and reported at their estimated recovery value which approximates their fair value and classified as Level 3. Securities Purchased Under Agreement to Resell. The fair value of securities purchased under agreement to resell equal the carrying value due to the short term nature, generally overnight, and therefore present an insignificant risk of change in fair value due to changes in market interest rate, and classified as Level 2. Investment securities held to maturity. BancShares’ portfolio of held to maturity debt securities consists of mortgage-backed securities issued by government agencies and government sponsored entities, U.S. Treasury notes, unsecured bonds issued by government agencies and government sponsored entities, and securities issued by the Supranational Entities and Multilateral Development Banks. We primarily use prices obtained from pricing services to determine the fair value of securities, which are Level 2 inputs. FHLB stock. The carrying amount of FHLB stock is a reasonable estimate of fair value, as these securities are not readily marketable and are evaluated for impairment based on the ultimate recoverability of the par value. BancShares considers positive and negative evidence, including the profitability and asset quality of the issuer, dividend payment history and recent redemption experience, when determining the ultimate recoverability of the par value. BancShares investment in FHLB stock is ultimately recoverable at par. The inputs used in the fair value measurement for the FHLB stock are considered Level 2 inputs. Deposits. The estimated fair value of deposits with no stated maturity, such as demand deposit accounts, money market accounts, and savings accounts was the amount payable on demand at the reporting date. The fair value of time deposits was estimated based on a discounted cash flow technique using Level 2 inputs appropriate to the contractual maturity. Credit balances of factoring clients. The impact of the time value of money from the unobservable discount rate for credit balances of factoring clients is inconsequential due to the short term nature of these balances, therefore, the fair value approximated carrying value, and the credit balances were classified as Level 3. Short-term borrowed funds. Includes repurchase agreements and certain other short-term borrowings. The fair value approximates carrying value and are classified as Level 2. Long-term borrowings. For certain long-term senior and subordinated unsecured borrowings, the fair values are sourced from a third-party pricing service. The fair values of other long-term borrowings are determined by discounting future cash flows using current interest rates for similar financial instruments. The inputs used in the fair value measurement for FHLB borrowings, senior and subordinated debentures, and other borrowings are classified as Level 2. The fair values of other secured borrowings are estimated based on unobservable inputs and therefore classified as Level 3. For all other financial assets and financial liabilities, the carrying value is a reasonable estimate of the fair value as of December 31, 2023 and 2022. The carrying value and fair value for these assets and liabilities are equivalent because they are relatively short-term in nature and there is no interest rate or credit risk that would cause the fair value to differ from the carrying value. Cash and due from banks, and interest-earning deposits at banks, are classified on the fair value hierarchy as Level 1. Accrued interest receivable and accrued interest payable are classified as Level 2.

Stockholders' Equity

Stockholders' Equity	12 Months Ended
	Dec. 31, 2023
Equity [Abstract]
STOCKHOLDERS' EQUITY	NOTE 17 — STOCKHOLDERS' EQUITY A roll forward of common stock activity is presented in the following table: Number of Shares of Common Stock December 31, 2023 December 31, 2022 Outstanding Outstanding Class A Class B Class A Class B Common stock - beginning of period 13,501,017 1,005,185 8,811,220 1,005,185 Common stock issuance - CIT Merger — — 6,140,010 — Restricted stock units vested, net of shares held to cover taxes 13,916 — 49,787 — Shares purchased under authorized repurchase plan — — (1,500,000) — Common stock - end of period 13,514,933 1,005,185 13,501,017 1,005,185 Common Stock The Parent Company has Class A Common Stock and Class B Common stock. Class A Common Stock have one vote per share, while shares of Class B common stock have 16 votes per share. Restricted Stock Units Refer to Note 22—Employee Benefit Plans for discussion of the BancShares RSUs. Non-Cumulative Perpetual Preferred Stock BancShares has Series A, Series B, and Series C preferred stock. On March 12, 2020, BancShares issued and sold an aggregate of 13,800,000 depositary shares, each representing a 1/40th interest in a share of 5.375% non-cumulative perpetual preferred stock, series A preferred stock (equivalent to $1,000 per share of the Series A preferred stock) for a total of $345 million. CIT Series A and CIT Series B preferred stock automatically converted into the right to receive one share of BancShares Series B preferred stock and BancShares Series C preferred stock, respectively. The following table summarizes BancShares’ non-cumulative perpetual preferred stock. Preferred Stock dollars in millions, except per share and par value data Preferred Stock Issuance Date Earliest Redemption Date Par Value Shares Authorized, Issued and Outstanding Liquidation Preference Per Share Total Liquidation Preference Dividend Series A March 12, 2020 March 15, 2025 $ 0.01 345,000 $ 1,000 $ 345 5.375% Series B (1) January 3, 2022 January 4, 2027 0.01 325,000 1,000 325 SOFR + 3.972% Series C January 3, 2022 January 4, 2027 0.01 8,000,000 25 200 5.625% (1) Beginning July 1, 2023, BancShares moved to Term SOFR plus a credit spread adjustment for its Series B Preferred Stock. The final dividend payment based on LIBOR occurred September 15, 2023. Dividends on BancShares Series A, B, and C Preferred Stock (together, “BancShares Preferred Stock”) will be paid when, as, and if declared by the Board of Directors of the Parent Company, or a duly authorized committee thereof, to the extent that the Parent Company has lawfully available funds to pay dividends. If declared, dividends with respect to the BancShares Preferred Stock will accrue and be payable quarterly in arrears on March 15, June 15, September 15, and December 15 of each year. Dividends on the BancShares Preferred Stock will not be cumulative. The Parent Company may redeem the BancShares Preferred Stock at its option, and subject to any required regulatory approval, at a redemption price equal to the “Liquidation Preference Per Share” in the table above, plus any declared and unpaid dividends to, but excluding, the redemption date, (i) in whole or in part, from time to time, on any dividend payment date on or after the “Earliest Redemption Date” in the table above, or (ii) in whole but not in part, at any time within 90 days following a regulatory capital treatment event. Authorized Shares On April 25, 2023 the Parent Company’s stockholders approved amendments to the Restated Certificate of Incorporation to increase the number of authorized shares of the Class A Common Stock from 16,000,000 shares to 32,000,000 shares and to increase the number of authorized shares of the Preferred Stock from 10,000,000 shares to 20,000,000.

Accumulated Other Comprehensive

Accumulated Other Comprehensive (Loss) Income	12 Months Ended
	Dec. 31, 2023
Equity [Abstract]
ACCUMULATED OTHER COMPREHENSIVE (LOSS) INCOME	NOTE 18 — ACCUMULATED OTHER COMPREHENSIVE (LOSS) INCOME The following table details the components of Accumulated Other Comprehensive (Loss) Income (“AOCI”): Components of Accumulated Other Comprehensive (Loss) Income dollars in millions December 31, 2023 December 31, 2022 Pretax Income Net of Income Taxes Pretax Income Net of Income Taxes Unrealized loss on securities available for sale $ (752) $ 175 $ (577) $ (972) $ 233 $ (739) Unrealized loss on securities available for sale transferred to held to maturity (7) 2 (5) (8) 2 (6) Defined benefit pension items 122 (31) 91 13 (3) 10 Total accumulated other comprehensive loss $ (637) $ 146 $ (491) $ (967) $ 232 $ (735) The following table details the changes in the components of AOCI, net of income taxes: Changes in Accumulated Other Comprehensive (Loss) Income by Component dollars in millions Unrealized (loss) gain on securities available for sale Unrealized (loss) gain on securities available for sale transferred to held to maturity Net change in defined benefit pension items Total accumulated other comprehensive (loss) income Balance as of December 31, 2022 $ (739) $ (6) $ 10 $ (735) AOCI activity before reclassifications 143 — 81 224 Amounts reclassified from AOCI to earnings 19 1 — 20 Other comprehensive (loss) income for the period 162 1 81 244 Balance as of December 31, 2023 $ (577) $ (5) $ 91 $ (491) Balance as of December 31, 2021 $ (9) $ (7) $ 26 $ 10 AOCI activity before reclassifications (730) — (25) (755) Amounts reclassified from AOCI to earnings — 1 9 10 Other comprehensive (loss) income for the period (730) 1 (16) (745) Balance as of December 31, 2022 $ (739) $ (6) $ 10 $ (735) Other Comprehensive Income The amounts included in the Condensed Consolidated Statements of Comprehensive Income are net of income taxes. The following table presents the pretax and after tax components of other comprehensive income: Other Comprehensive Income (Loss) by Component dollars in millions Year Ended December 31, 2023 2022 Pretax Income Net of Income Taxes Pretax Income Net of Income Taxes Income Statement Line Items Unrealized gain (loss) on securities available for sale: AOCI activity before reclassifications $ 194 $ (51) $ 143 $ (960) $ 230 $ (730) Amounts reclassified from AOCI to earnings 26 (7) 19 — — — $26 million realized loss on sales of investment securities available for sale Other comprehensive income (loss) on securities available for sale $ 220 $ (58) $ 162 $ (960) $ 230 $ (730) Unrealized loss on securities available for sale transferred to held to maturity: AOCI activity before reclassifications $ — $ — $ — $ — $ — $ — Amounts reclassified from AOCI to earnings 1 — 1 1 — 1 Interest on investment securities Other comprehensive income on securities available for sale transferred to held to maturity $ 1 $ — $ 1 $ 1 $ — $ 1 Defined benefit pension items: Actuarial gain (loss) $ 109 $ (28) $ 81 $ (33) $ 8 $ (25) Amounts reclassified from AOCI to earnings — — — 12 (3) 9 Other noninterest expense Other comprehensive income (loss) for defined benefit pension items $ 109 $ (28) $ 81 $ (21) $ 5 $ (16) Total other comprehensive income (loss) $ 330 $ (86) $ 244 $ (980) $ 235 $ (745)

Regulatory Capital

Regulatory Capital	12 Months Ended
	Dec. 31, 2023
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
REGULATORY CAPITAL	NOTE 19 — REGULATORY CAPITAL BancShares and FCB are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on BancShares’ Consolidated Financial Statements. Certain activities, such as the ability to undertake new business initiatives, including acquisitions, the access to and cost of funding for new business initiatives, the ability to pay dividends, the ability to repurchase shares or other capital instruments, the level of deposit insurance costs, and the level and nature of regulatory oversight, largely depend on a financial institution’s capital strength. Federal banking agencies approved regulatory capital guidelines (“Basel III”) aimed at strengthening previous capital requirements for banking organizations. The following table includes the Basel III requirements for regulatory capital ratios. Basel III Minimums Basel III Conservation Buffers Basel III Requirements Regulatory capital ratios Total risk-based capital 8.00 % 2.50 % 10.50 % Tier 1 risk-based capital 6.00 2.50 8.50 Common equity Tier 1 4.50 2.50 7.00 Tier 1 leverage 4.00 — 4.00 The FDIC also has Prompt Corrective Action (“PCA”) thresholds for regulatory capital ratios. The regulatory capital ratios for BancShares and FCB are calculated in accordance with the guidelines of the federal banking authorities. The regulatory capital ratios for BancShares and FCB exceed the Basel III requirements and the PCA well capitalized thresholds as of December 31, 2023 and 2022 as summarized in the following table. dollars in millions December 31, 2023 December 31, 2022 Basel III Requirements PCA well capitalized thresholds Amount Ratio Amount Ratio BancShares Total risk-based capital 10.50 % 10.00 % $ 23,891 15.75 % $ 11,799 13.18 % Tier 1 risk-based capital 8.50 8.00 21,150 13.94 9,902 11.06 Common equity Tier 1 7.00 6.50 20,270 13.36 9,021 10.08 Tier 1 leverage 4.00 5.00 21,150 9.83 9,902 8.99 FCB Total risk-based capital 10.50 % 10.00 % $ 23,600 15.56 % $ 11,627 12.99 % Tier 1 risk-based capital 8.50 8.00 21,227 13.99 10,186 11.38 Common equity Tier 1 7.00 6.50 21,227 13.99 10,186 11.38 Tier 1 leverage 4.00 5.00 21,227 9.88 10,186 9.25 As of December 31, 2023, BancShares and FCB had risk-based capital ratio conservation buffers of 7.75% and 7.56%, respectively, which are in excess of the Basel III conservation buffer of 2.50%. As of December 31, 2022, BancShares and FCB had risk-based capital ratio conservation buffers of 5.06% and 4.99%, respectively. The capital ratio conservation buffers represent the excess of the regulatory capital ratio as of December 31, 2023 and 2022 over the Basel III minimum for the ratio that is the binding constraint. Additional Tier 1 capital for BancShares includes preferred stock discussed further in Note 17—Stockholders' Equity. Additional Tier 2 capital for BancShares and FCB primarily consists of qualifying ALLL and qualifying subordinated debt. Dividend Restrictions Dividends paid from FCB to the Parent Company are the primary source of funds available to the Parent Company for payment of dividends to its stockholders. The Board of Directors of FCB may approve distributions, including dividends, as it deems appropriate, subject to the requirements of the FDIC and the General Statutes of North Carolina, provided that the distributions do not reduce the regulatory capital ratios below the applicable requirements. FCB could have paid additional dividends to the Parent Company in the amount of $8.43 billion while continuing to meet the requirements for well capitalized banks at December 31, 2023. Dividends declared by FCB and paid to the Parent Company amounted to $367 million for the year ended December 31, 2023.

Earnings Per Common Share

Earnings Per Common Share	12 Months Ended
	Dec. 31, 2023
Earnings Per Share [Abstract]
EARNINGS PER COMMON SHARE	NOTE 20 — EARNINGS PER COMMON SHARE The following table sets forth the computation of the basic and diluted earnings per common share: Earnings per Common Share dollars in millions, except per share data Year Ended December 31, 2023 2022 2021 Net income $ 11,466 $ 1,098 $ 547 Preferred stock dividends 59 50 18 Net income available to common stockholders $ 11,407 $ 1,048 $ 529 Weighted average common shares outstanding Basic shares outstanding 14,527,902 15,531,924 9,816,405 Stock-based awards 11,711 18,020 — Diluted shares outstanding 14,539,613 15,549,944 9,816,405 Earnings per common share Basic $ 785.14 $ 67.47 $ 53.88 Diluted $ 784.51 $ 67.40 $ 53.88 BancShares RSUs are discussed in Note 22—Employee Benefit Plans.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2023
Income Tax Disclosure [Abstract]
INCOME TAXES	NOTE 21 — INCOME TAXES The provision (benefit) for income taxes for the year ended December 31, 2023, 2022 and 2021 is comprised of the following: Provision (Benefit) for Income Taxes dollars in millions Year ended December 31 2023 2022 2021 Current U.S. federal income tax provision $ 400 $ 58 $ 140 Deferred U.S. federal income tax provision / (benefit) 46 170 (6) Total federal income tax provision 446 228 134 Current state and local income tax provision 372 4 21 Deferred state and local income tax (benefit) / provision (222) 23 (1) Total state and local income tax provision 150 27 20 Total non-U.S. income tax provision 15 9 — Total provision for income taxes $ 611 $ 264 $ 154 A reconciliation from the U.S. Federal statutory rate to BancShares’ actual effective income tax rate for the year ended December 31, 2023, 2022 and 2021 is presented below. Income tax expense (benefit) includes, if applicable, federal, state and foreign taxes. Percentage of Pretax Income dollars in millions Effective Tax Rate 2023 2022 2021 Pretax Income Income Tax Expense (Benefit) Percentage of Pretax Income Pretax Income Income Tax Expense (Benefit) Percentage of Pretax Income Pretax Income Income Tax Expense (Benefit) Percentage of Pretax Income Federal income taxes and rate $ 12,077 $ 2,536 21.0 % $ 1,362 $ 286 21.0 % $ 701 $ 147 21.0 % Increase (decrease) due to: State and local income taxes, net of federal income tax benefit 804 6.7 % 53 3.9 % 16 2.2 % Gain on acquisition (2,703) (22.4) % (105) (7.7) % — — % Domestic tax credits (26) (0.2) % (20) (1.5) % (5) (0.7) % Effect of BOLI surrender (1) — — % 48 3.5 % — — % Deferred tax liability adjustment 11 0.1 % (8) (0.6) % — — % Difference in tax rates applicable to non-U.S. earnings 1 — % 1 0.1 % — — % Repayment of claim of right income — — % — — % (2) (0.3) % Valuation allowances (40) (0.3) % (5) (0.4) % — — % Other 28 0.2 % 14 1.1 % (2) (0.2) % Provision for income taxes and effective tax rate $ 611 5.1 % $ 264 19.4 % $ 154 22.0 % (1) Includes penalty taxes. BancShares permanently reinvested eligible earnings of certain foreign subsidiaries and accordingly, does not accrue any U.S. or foreign taxes that would be due if those earnings were repatriated. As of December 31, 2023, this assertion resulted in an unrecognized net deferred tax liability of $18 million on reinvested earnings of $670 million. The tax effects of temporary differences that give rise to deferred income tax assets and liabilities at December 31, 2023 and 2022 are presented below: Components of Deferred Income Tax Assets and Liabilities dollars in millions 2023 2022 Deferred Tax Assets: Net operating loss carry forwards $ 118 $ 358 Basis difference in loans — 57 Allowance for loan and lease losses 542 252 Accrued liabilities and reserves 104 37 Deferred compensation 152 51 Lease liabilities 115 92 Domestic tax credits 21 176 Mark to market adjustments 21 28 Capitalized costs 75 15 Net unrealized loss on investment securities available for sale 235 275 Other 42 48 Total gross deferred tax assets 1,425 1,389 Deferred Tax Liabilities: Operating leases (1,729) (1,311) Basis difference in loans (2,598) — Right of use assets for operating leases (110) (86) Loans and direct financing leases (260) (43) Deferred BOLI gain — (15) Intangibles (56) (5) Nonmarketable equity securities (14) (9) Fixed assets (17) (6) Pension assets (110) (54) Prepaid expenses (14) (14) Market discount accretion (33) (35) Other (35) (27) Total deferred tax liabilities (4,976) (1,605) Total net deferred tax liability before valuation allowances (3,551) (216) Less: valuation allowances (28) (70) Net deferred tax liability after valuation allowances $ (3,579) $ (286) Net Operating Loss Carryforwards and Valuation Adjustments The SVBB Acquisition was an asset acquisition for tax purposes and is therefore considered a taxable transaction. The DTL of $3.36 billion for the SVBB Acquisition was calculated by applying FCB’s deferred tax rate to the book and tax basis differences on the SVBB Acquisition Date for acquired assets and assumed liabilities. Deferred taxes were not recorded for the affordable housing tax credit investments in accordance with the proportional amortization method. As a result of the CIT Merger, BancShares’ net deferred tax liabilities increased by approximately $300 million. That amount included an increase to DTAs primarily from net operating losses, capitalized costs and tax credits net of deferred tax liabilities, primarily from operating leases. As of December 31, 2023, BancShares has DTAs totaling $118 million on its global net operating losses (“NOLs”). This includes: (1) DTAs of $98 million relating to cumulative state NOLs of $1.73 billion, including amounts of reporting entities that file in multiple jurisdictions, and (2) DTAs of $20 million relating to cumulative non-U.S. NOLs of $85 million. The U.S. federal NOLs were expected to be fully utilized in 2023, while state NOLs will begin to expire in 2024 and non-US NOLs will begin to expire in 2041. As of December 31, 2023, BancShares has DTAs of $21 million from its domestic tax credits. This includes: (1) DTAs of $16 million from federal tax credits, which are subject to the annual limitations set forth by the Internal Revenue Code Section 382 and (2) DTAs of $5 million from state tax credits. The federal tax credits begin to expire in 2033 and the state tax credits have an indefinite carryforward. During 2023, management updated BancShares’ forecast of future U.S. state taxable income. The updated forecast continues to support a valuation allowance of $28 million on U.S. state DTAs relating to certain state NOLs as of December 31, 2023. BancShares reduced a valuation allowance against certain non-U.S. reporting entities' net DTAs to an immaterial amount at December 31, 2023 from $3 million at December 31, 2022. The decrease was mainly related to the commencement of the liquidation process for the non-US entities associated with the valuation allowance. BancShares’ ability to recognize DTAs is evaluated on a quarterly basis to determine if there are any significant events that would affect our ability to utilize existing DTAs. If events are identified that affect our ability to utilize our DTAs, the respective valuation allowance may be adjusted accordingly. Liabilities for Unrecognized Tax Benefits A reconciliation of the beginning and ending amount of unrecognized tax benefits ("UTBs") is as follows: Unrecognized Tax Benefits (1) December 31, 2023 December 31, 2022 dollars in millions Liabilities for Unrecognized Tax Benefits Interest / Penalties Total Total Balance at beginning of period $ 27 $ 3 $ 30 $ 31 Effect of CIT Merger — — — 6 Additions for tax positions related to prior years 4 1 5 1 Reductions for tax positions of prior years — — — (2) Expiration of statutes of limitations (2) — (2) (1) Settlements (1) (1) (2) (5) Balance at end of period $ 28 $ 3 $ 31 $ 30 (1) Tabular rollforward does not present the comparable data for 2021, as activity for that year was not material. BancShares recognizes tax benefits when it is more likely than not that the position will prevail, based solely on the technical merits under the tax law of the relevant jurisdiction. BancShares will recognize the tax benefit if the position meets this recognition threshold determined based on the largest amount of the benefit that is more than likely to be recognized. During the year ended December 31, 2023, BancShares recorded a net increase in UTBs, including interest and penalties. The net increase primarily related to additions for tax positions related to prior years, partially offset by the expiration of statutes of limitations and settlements. As of December 31, 2023, the accrued liability for interest and penalties is $3 million. BancShares recognizes accrued interest and penalties on UTBs in income tax expense. BancShares has UTBs relating to uncertain state tax positions in North Carolina and other state jurisdictions resulting from tax filings submitted to the states. No tax benefit has been recorded for these uncertain tax positions in the consolidated financial statements. It is reasonably possible that these uncertain tax positions may be settled or resolved in the next twelve months. No reasonable estimate of the settlement or resolution can be made. The entire $31 million of UTBs including interest and penalties at December 31, 2023, would lower BancShares’ effective tax rate, if realized. Management believes that it is reasonably possible the total potential liability before interest and penalties may be increased or decreased by $10 million within the next twelve months of the reporting date because of anticipated settlement with taxing authorities, resolution of open tax matters, and the expiration of various statutes of limitations. Income Tax Audits BancShares is subject to examinations by the U.S. Internal Revenue Service (“IRS”) and other taxing authorities in jurisdictions where BancShares has significant business operations. The tax years under examination vary by jurisdiction. BancShares does not expect completion of those audits to have a material impact on the firm’s financial condition, but it may be material to operating results for a particular period, depending, in part, on the operating results for that period. The table below presents the earliest tax years that remain subject to examination by major jurisdiction. Jurisdiction December 31, 2023 U.S. Federal 2020 New York State and City 2015 North Carolina 2019 California 2017 Canada 2016 BancShares and its subsidiaries are subject to examinations by the IRS and other taxing authorities in jurisdictions where BancShares has business operations for years ranging from 2012 through 2023. Management does not anticipate that the completion of these examinations will have a material impact on the firm’s financial condition, but it may be material to operating results for a particular period, depending, in part, on the operating results for that period.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2023
Retirement Benefits [Abstract]
EMPLOYEE BENEFIT PLANS	NOTE 22 — EMPLOYEE BENEFIT PLANS BancShares sponsors benefit plans for its qualifying employees and eligible former employees of First-Citizens Bancorporation, Inc. ("Bancorporation") and its former subsidiary, First-Citizens Bank & Trust Company, Inc. ("First-Citizens South"). Bancorporation merged with BancShares, Inc. on October 1, 2014 and First-Citizens South merged with FCB on January 1, 2015. Certain benefit plans of CIT were assumed by BancShares upon closing of the CIT Merger. CIT sponsored both funded and unfunded noncontributory defined benefit pension and postretirement plans, executive retirement plans, and a 401(k) savings plan covering certain employees as further discussed below. There were no benefit plans assumed in connection with the SVBB Acquisition. The benefit plans include noncontributory defined benefit pension plans and 401(k) savings plans, which are qualified under the Internal Revenue Code. BancShares also maintains agreements with certain executives providing supplemental benefits paid upon death or separation from service at an agreed-upon age. Retirement and Post-Retirement Plans Pension Plans BancShares sponsors three qualified noncontributory defined benefit pension plans (the “Pension Plans”), including the First-Citizens Bank & Trust Company and Adopting Related Employers Pension Plan (the “FCB Pension Plan”), the First-Citizens Bank & Trust Company, Inc. Pension Plan (the “First-Citizens South Pension Plan”), and a plan assumed upon completion of the CIT Merger (the “CIT Pension Plan”). BancShares employees who were hired prior to April 1, 2007 and qualified under length of service and other requirements are covered by the FCB Pension Plan, which was closed to new participants as of April 1, 2007. There was no discretionary contribution made to the FCB Pension Plan during 2023 or 2022. Certain legacy First-Citizens South employees that qualified under length of service and other requirements are covered by the First-Citizens South Pension Plan, which was closed to new participants as of September 1, 2007. There were no discretionary contributions made to the First-Citizens South Pension Plan during 2023 or 2022. Participants in the FCB Pension Plan and First-Citizens South Pension Plan were fully vested after five years of service. Retirement benefits are based on years of service and highest annual compensation for five BancShares makes contributions to the Pension Plans in amounts between the minimum required for funding and the maximum amount deductible for federal income tax purposes. Management evaluates the need for its contributions to these plans on a periodic basis based upon numerous factors including, but not limited to, funded status, returns on plan assets, discount rates and the current economic environment. Supplemental and Executive Retirement Plans Upon completion of the CIT Merger, BancShares assumed a frozen U.S. non-contributory supplemental retirement plan (the “Supplemental Retirement Plan”) and an additional retirement plan for certain executives (the “Executive Retirement Plan”), which had been closed to new participants since 2006 and whose participants were all inactive. There were no discretionary contributions made to the Executive Retirement Plan or the Supplemental Retirement Plan in 2023 or 2022. Accumulated balances under the Executive Retirement Plan and the Supplemental Retirement Plan continue to receive periodic interest, subject to certain government limits. The interest credit was 3.9% and 1.9%, respectively, for the years ended December 31, 2023 and 2022. Postretirement Benefit Plans Upon completion of the CIT Merger, BancShares assumed four postretirement benefit plans (the “Postretirement Plans”) that provided healthcare and life insurance benefits to eligible retired employees. For most eligible retirees, healthcare was contributory and life insurance was non-contributory. The Postretirement Plans were funded on a “pay-as-you-go” basis. Certain Postretirement Plans were terminated during the first quarter of 2022 and BancShares recognized a reduction in other noninterest expense of approximately $27 million during 2022 related to obligations previously accrued. Funding for Retirement and Postretirement Plans The funding policy for the Pension Plans is to contribute an amount each year to meet all Employee Retirement Income Security Act (“ERISA”) minimum requirements, including amounts to meet quarterly funding requirements, avoid “at-risk” status and avoid any benefit restrictions. BancShares may also contribute additional voluntary amounts each year (up to the maximum tax-deductible amount) in order to achieve certain target funding levels in the plans, with consideration also given to current and future cash flow and tax positions. No contributions are currently expected for the year ending December 31, 2024. The tables and disclosures below address the following: (i) the Pension Plans, the Supplemental Retirement Plan, and the Executive Retirement Plan (the “Retirement Plans”) and (ii) the Postretirement Plans (collectively with the Retirement Plans, the “Plans”). The Supplemental and Executive Retirement Plans are unfunded. Therefore, the tables and disclosures below regarding plan assets apply to the Pension Plans, which are funded. Obligations and Funded Status The following table provides the changes in benefit obligations, assets and the funded status of the Plans at December 31, 2023 and 2022. Obligations and Funded Status Retirement Plans Postretirement Plans (dollars in millions) 2023 2022 2023 2022 Change in benefit obligation Projected benefit obligation at January 1 $ 1,115 $ 1,056 $ — $ — Projected benefit obligation of acquired plans — 389 — 28 Service cost 9 14 — — Interest cost 61 43 — — Actuarial loss (gain) 50 (324) — — Benefits paid (66) (63) — (1) Plan termination — — — (27) Projected benefit obligation at December 31 1,169 1,115 — — Change in plan assets Fair value of plan assets at January 1 1,404 1,345 — — Fair value of plan assets of acquired plans — 386 — — Actual return (loss) on plan assets 245 (270) — — Employer contributions 6 — — — Benefits paid (66) (57) — — Fair value of plan assets at December 31 1,589 1,404 — — Funded status at December 31 $ 420 $ 289 $ — $ — Information for Retirement Plans with a benefit obligation in excess of plan assets Projected and accumulated benefit obligations $ 54 $ 54 $ — $ — Reported in Consolidated Balance Sheets Funded Pension Plans (other assets) 474 343 — — Unfunded Supplemental and Executive Retirement Plans (other liabilities) (54) (54) — — Net funded status of Retirement Plans $ 420 $ 289 $ — $ — The following table details the amounts recognized in accumulated other comprehensive income, before income taxes, at December 31, 2023 and 2022. See Note 18—Accumulated Other Comprehensive (Loss) Income for additional information. Retirement Plans Postretirement Plans (dollars in millions) 2023 2022 2023 2022 Net actuarial gain $ 122 $ 13 $ — $ — The accumulated benefit obligation for the Plans at December 31, 2023 and 2022 was $1.12 billion and $1.07 billion, respectively. The Plans use a measurement date of December 31. The following table shows the components of periodic benefit cost related to the Plans and changes in assets and benefit obligations of the Plans recognized in other comprehensive income, before income taxes, for the years ended December 31, 2023, 2022 and 2021. See Note 18—Accumulated Other Comprehensive (Loss) Income for additional information. Net Periodic Benefit Costs and Other Amounts Retirement Plans Postretirement Plans Year ended December 31 Year ended December 31 (dollars in millions) 2023 2022 2021 2023 2022 Service cost $ 9 $ 14 $ 15 $ — $ — Interest cost 61 43 30 — — Expected return on assets (85) (87) (78) — — Net prior service credit amortization — — — — (27) Amortization of net actuarial loss — 12 27 — — Total net periodic benefit (15) (18) (6) — (27) Current year actuarial (gain) loss (109) 33 (98) — — Amortization of actuarial loss — (12) (27) — — Current year amortization of prior service cost — — — — 27 Amortization of prior service cost — — — — (27) Net (gain) loss recognized in other comprehensive income (109) 21 (125) — — Total recognized in net periodic benefit cost and other comprehensive income $ (124) $ 3 $ (131) $ — $ (27) The actuarial gain in 2023 was primarily due to return on assets greater than expected, partially offset by the impact of a decreased discount rate. The actuarial loss in 2022 was primarily due to lower than expected return on assets and higher interest crediting rate, partially offset by increased discount rates. Service costs and the amortization of prior service costs are recorded in personnel expense, while interest cost, expected return on assets and the amortization of actuarial gains or losses are recorded in other noninterest expense. The assumptions used to determine the benefit obligations at December 31, 2023 and 2022 are as follows: Weighted Average Assumptions Retirement Plans Postretirement Plans 2023 2022 2023 2022 Discount rate 5.17 % 5.57 % N/A N/A Rate of compensation increase 5.60 5.60 N/A N/A Interest crediting rate (1) 4.00 4.25 N/A N/A (1) Specific to cash investments in the CIT Pension Plan. The assumptions used to determine the net periodic benefit cost for the years ended December 31, 2023, 2022 and 2021, are as follows: Weighted Average Assumptions Retirement Plans Postretirement Plans 2023 2022 2021 2023 2022 Discount rate 5.57 % 3.03 % 2.76 % 4.56 % 3.02 % Rate of compensation increase 5.60 5.60 5.60 N/A N/A Expected long-term return on plan assets 6.14 5.87 7.50 N/A N/A Interest crediting rate (1) 4.25 1.50 N/A N/A N/A (1) Specific to cash investments in the CIT Pension Plan. The estimated discount rate, which represents the interest rate that could be obtained for a suitable investment used to fund the benefit obligations, is based on a yield curve developed from high-quality corporate bonds across a full maturity spectrum. The projected cash flows of the Pension Plans are discounted based on this yield curve and a single discount rate is calculated to achieve the same present value. The increase in discount rate from the prior year is reflective of the current market conditions. The weighted average expected long-term rate of return on Pension Plans’ assets represents the average rate of return expected to be earned on the Pension Plans’ assets over the period the benefits included in the benefit obligation are to be paid. In developing the expected rate of return on the Pension Plans’ assets, historical and current returns, as well as investment allocation strategies, are considered. Assets of the Pension Plans For the Pension Plans, our primary total return objective is to achieve returns over the long term that will fund retirement liabilities and provide desired benefits of the Pension Plans in a manner that satisfies the fiduciary requirements of the ERISA. The Pension Plans’ assets have a long-term time horizon that runs concurrent with the average life expectancy of the participants. As such, the Pension Plans can assume a time horizon that extends well beyond a full market cycle and can assume a reasonable level of risk. It is expected, however, that both professional investment management and sufficient portfolio diversification will smooth volatility and help generate a consistent level of return. The investments are broadly diversified across global, economic and market risk factors in an attempt to reduce volatility and target multiple return sources. Within approved guidelines and restrictions, the investment manager has discretion over the timing and selection of individual investments. Depending on the investment type, Pension Plan assets may be held by the BancShares’ trust department or held by a third-party servicer. Equity securities are measured at fair value using observable closing prices. These securities are classified as Level 1 as they are traded in an active market. Fixed income securities are generally estimated using a third-party pricing service. The third-party provider evaluates securities based on comparable investments with trades and market data and will utilize pricing models which use a variety of inputs, such as benchmark yields, reported trades, issuer spreads, benchmark securities, bids and offers as needed. These securities are generally classified as Level 2. As of December 31, 2023, the CIT Pension Plan investments are similar to the FCB Pension Plan and First-Citizens South Pension Plan investments. As of December 31, 2022, the CIT Pension Plan assets were primarily concentrated in a common collective trust. Investments in collective investment funds, limited partnerships and common collective trusts were measured using the net asset value per share practical expedient and are not required to be classified in the fair value hierarchy. There were no direct investments in equity securities of BancShares included in the Pension Plans’ assets in any of the years presented. The following tables summarize the fair values and fair value hierarchy for the assets of the Pension Plans at December 31, 2023 and 2022. Fair Value Measurements December 31, 2023 dollars in millions Market Value Level 1 Level 2 Level 3 Not Classified (1) Weighted Average Target Allocation Pension Plans Actual % Cash and equivalents $ 31 $ 31 $ — $ — $ — —% - 5% 2 % Equity securities 25% - 65% 45 % Common and preferred stock 134 134 — — — Mutual funds 126 126 — — — Exchange traded funds 459 459 — — — Fixed income 30% - 65% 50 % U.S. government and government agency securities 17 — 17 — — Corporate bonds 15 — 15 — — Exchange traded funds 13 13 — — — Collective investment funds (fixed income) 753 — — — 753 Alternative investments —% - 30% 3 % Limited partnerships 41 — — — 41 Total pension assets $ 1,589 $ 763 $ 32 $ — $ 794 100 % December 31, 2022 Market Value Level 1 Level 2 Level 3 Not Classified (1) Weighted Average Target Allocation Pension Plans Actual % Cash and equivalents $ 25 $ 25 $ — $ — $ — —% - 5% 2 % Equity securities 25% - 60% 46 % Common and preferred stock 88 88 — — — Mutual funds 181 181 — — — Exchange traded funds 376 376 — — — Fixed income 25% - 60% 31 % U.S. government and government agency securities 198 — 198 — — Corporate bonds 233 — 233 — — Alternative investments —% - 30% 21 % Common collective trust, measured at NAV 302 — — — 302 Limited partnerships 1 — — — 1 Total pension assets $ 1,404 $ 670 $ 431 $ — $ 303 100 % (1) These investments have been measured using the net asset value per share practical expedient and are not required to be classified in the above tables. Cash Flows The following table presents estimated future benefits projected to be paid for the next ten years from the Pension Plans’ assets or from BancShares’ general assets calculated using current actuarial assumptions. Actual benefit payments may differ from projected benefit payments. Projected Benefits dollars in millions Retirement Plans 2024 $ 78 2025 81 2026 83 2027 87 2028 88 2029-2033 426 401(k) Savings Plans BancShares sponsors two qualified defined contribution plans (the “401(k) plans”), which allow employees to voluntarily defer a pre-tax and/or post-tax portion of their compensation for retirement and receive employer matching contributions on a portion of their voluntary deferrals and, under one of the plans, additional profit-sharing contributions to their accounts. Employees are eligible to participate in one of the two 401(k) plans, depending on when they were first employed and, if they were first employed before we restructured our Pension Plans and 401(k) plans during 2007, depending on elections they made at that time. Employees first hired prior to restructuring of the Pension Plans and 401(k) plans (and not rehired on or after January 1, 2015) who chose to continue to participate in their respective Pension Plan and “legacy” 401(k) plan are eligible to make deferrals and receive employer matching contributions under a legacy 401(k) plan (the “FCB Legacy 401(k) Plan”). Under the FCB Legacy 401(k) Plan, FCB matches participants’ deferrals in an amount equal to 100% of the first 3%, and 50% of the next 3%, of the participant's compensation that he or she defers, up to and including a maximum matching contribution of 4.5% of the participant’s eligible compensation. Employees first hired prior to the plan restructuring who elected to participate in an “enhanced” 401(k) plan (now, the “FCB 401(k) Plan”) and associates first hired after the plan restructuring or rehired on or after January 1, 2015 (including former CIT and Silicon Valley Bank associates) may only participate in the FCB 401(k) Plan. Under the FCB 401(k) Plan, BancShares matches participants’ deferrals in an amount equal to 100% of the first 6% of the participant’s eligible compensation. The matching contribution immediately vests. In addition, BancShares may make a discretionary profit-sharing contribution under the FCB 401(k) Plan to each eligible participant’s account, without regard to the amount of the participant’s deferrals. Historically, this profit-sharing contribution has been equal to 3% of participants’ eligible compensation. The employer nonelective contribution vests after three years of service. CIT sponsored a 401(k) plan (the “CIT 401(k) Plan”), which was assumed by BancShares upon completion of the CIT Merger. Under the CIT 401(k) Plan, BancShares matched 100% of the participants’ deferrals up to 4% of the participant’s eligible compensation. In January 2023, the CIT 401(k) Plan was merged into the FCB 401(k) Plan. BancShares recognized expense related to contributions to all 401(k) plans of $114 million, $55 million, and $36 million during 2023, 2022 and 2021, respectively. Additional Benefits for Executives, Directors, and Officers BancShares has entered into contractual agreements with certain executives providing payments for a period of no more than ten years following separation from service occurring no earlier than an agreed-upon age. These agreements also provide a death benefit in the event a participant dies prior to separation from service or during the payment period following separation from service. BancShares has also assumed liability for contractual obligations to directors and officers of previously acquired entities. The following table provides the accrued liability as of December 31, 2023 and 2022, and the changes in the accrued liability during the years then ended: dollars in millions 2023 2022 Accrued liability as of January 1 $ 36 $ 39 Accrued liability of acquired banks — 2 Discount rate adjustment — (2) Benefit expense and interest cost 2 2 Benefits paid (4) (5) Benefits forfeited — — Accrued liability as of December 31 $ 34 $ 36 Discount rate at December 31 5.09 % 4.67 % Other Compensation Plans BancShares offers various short-term and long-term incentive plans for certain employees. Compensation awarded under these plans may be based on defined formulas, performance criteria, or at the discretion of management. The incentive compensation programs were designed to motivate employees through a balanced approach of risk and reward for their contributions toward BancShares’ success. As of December 31, 2023 and 2022, the accrued liability for incentive compensation was $676 million and $267 million, respectively. CIT had compensation awards that either converted to BancShares RSUs or immediately vested at completion of the CIT Merger as further described in the “Stock-Based Compensation” discussion in Note 1 — Significant Accounting Policies and Basis of Presentation. In February 2016, CIT adopted the CIT Group Inc. 2016 Omnibus Incentive Plan (the "2016 Plan"), which provided for grants of stock-based awards to employees, executive officers, and directors. The BancShares RSUs are the only outstanding awards subject to the terms of the 2016 Plan and no further awards will be made under the 2016 Plan. Compensation expense is recognized over the vesting period or the requisite service period, which is generally three years for BancShares RSUs, under the graded vesting method, whereby each vesting tranche of the award is amortized separately as if each were a separate award. The following table presents the unvested BancShares RSUs at December 31, 2023 and 2022, which have vesting periods through 2024. There were no grants of stock-based compensation awards during 2023 or 2022. The fair value of RSUs that vested and settled in stock during 2023 and 2022 were $16 million and $64 million, respectively. Stock-Settled Awards Outstanding Stock-Settled Awards share amounts in whole dollars Number of Shares Weighted Average Grant Date Value (1) December 31, 2023 Unvested at beginning of period 42,989 $ 859.76 Forfeited / cancelled (643) 859.76 Vested / settled awards (22,091) 859.76 Unvested at end of period 20,255 $ 859.76 December 31, 2022 Unvested at beginning of period — $ — Unvested CIT RSUs converted to BancShares RSUs at Merger Date 116,958 859.76 Unvested CIT PSUs converted to RSUs at Merger Date 10,678 859.76 Forfeited / cancelled (5,194) 859.76 Vested / settled awards (79,453) 859.76 Unvested at end of period 42,989 $ 859.76 (1) Represents the share price of BancShares as of the CIT Merger Date.

Business Segment Information

Business Segment Information	12 Months Ended
	Dec. 31, 2023
Segment Reporting [Abstract]
BUSINESS SEGMENT INFORMATION	NOTE 23 — BUSINESS SEGMENT INFORMATION BancShares’ segments include General Banking, Commercial Banking, Silicon Valley Banking, and Rail. All other financial information not allocated to the segments is included in the “Corporate” component of the segment disclosures. General Banking The General Banking segment delivers products and services to consumers and businesses through our extensive network of branches and various digital channels. We offer a full suite of deposit products, loans (primarily residential mortgages and business and commercial loans), cash management, wealth management, payment services, and treasury services. Our wealth management products and services to individuals and institutional clients include brokerage, investment advisory, and trust services. We offer conforming and jumbo residential mortgage loans throughout the United States which are primarily originated through branches and retail referrals, employee referrals, internet leads, direct marketing and a correspondent lending channel. The General Banking segment offers nationwide digital banking, which is largely comprised of our internet banking platform, that delivers deposit products to consumers. The General Banking segment also includes a community association bank channel that supports deposit, cash management, and lending to homeowner associations and property management companies. Revenue is generated from interest earned on loans and from fees for banking and advisory services. We primarily originate loans by utilizing our branch network and industry referrals, as well as direct digital marketing efforts. We derive our SBA loans through a network of SBA originators. We periodically purchase loans on a whole-loan basis. We also invest in community development that supports the construction of affordable housing in our communities in line with our CRA initiatives. Commercial Banking The Commercial Banking segment provides a range of lending, leasing, capital markets, asset management and other financial and advisory services, primarily to small and middle market companies in a wide range of industries including: energy; healthcare; tech media and telecom; asset-backed lending; capital finance; maritime; corporate banking; aerospace and defense; and sponsor finance. Loans offered are primarily senior secured loans collateralized by accounts receivable, inventory, machinery and equipment, transportation equipment and/or intangibles, and are often used for working capital, plant expansion, acquisitions, or recapitalizations. These loans include revolving lines of credit and term loans and, depending on the nature of the collateral, may be referred to as collateral-backed loans, asset-based loans or cash flow loans. We provide senior secured loans to developers and other CRE professionals. Additionally, we provide small business loans and leases, including both capital and operating leases, through a highly automated credit approval, documentation and funding process. We provide factoring, receivable management, and secured financing to businesses that operate in several industries. These include: apparel, textile, furniture, home furnishings, and consumer electronics. Factoring entails the assumption of credit risk with respect to trade accounts receivable arising from the sale of goods from our factoring clients to their customers that have been factored (i.e., sold or assigned to the factor). Our factoring clients, which are generally manufacturers or importers of goods, are the counterparties on factoring, financing, or receivables purchasing agreements to sell trade receivables to us. Our factoring clients’ customers, which are generally retailers, are the account debtors and obligors on trade accounts receivable that have been factored. Revenue is generated from: interest and fees on loans; rental income on operating lease equipment; fee income and other revenue from banking services and capital markets transactions; and commissions earned on factoring-related activities. We derive most of our commercial lending business through direct marketing to borrowers, lessees, manufacturers, vendors, and distributors. We also utilize referrals as a source for commercial lending business. We may periodically buy participations or syndications of loans and lines of credit and purchase loans on a whole-loan basis. Silicon Valley Banking The SVB segment offers products and services to commercial clients in key innovation markets, such as healthcare and technology industries, as well as to private equity and venture capital firms. The segment provides solutions to the financial needs of commercial clients through credit, treasury management, foreign exchange, trade finance and other services including capital call lines of credit. In addition, the segment offers private banking and wealth management and provides a range of personal financial solutions for consumers. Private banking and wealth management clients consist of private equity and venture capital professionals and executive leaders of the innovation companies they support and premium wine clients. The segment offers a customized suite of private banking services, including mortgages, home equity lines of credit, restricted and private stock loans, other secured and unsecured lending products and vineyard development loans, as well as planning-based financial strategies, wealth management, family office, financial planning, tax planning and trust services. Revenue is primarily generated from interest earned on loans, and fees and other revenue from lending activities and banking services. Deposit products include business and analysis checking accounts, money market accounts, multi-currency accounts, bank accounts, sweep accounts and positive pay services. Services are provided through online and mobile banking platforms, as well as branch locations. Rail The Rail segment offers customized leasing and financing solutions on a fleet of railcars and locomotives to railroads and shippers throughout North America. Railcar types include covered hopper cars used to ship grain and agricultural products, plastic pellets, sand, and cement; tank cars for energy products and chemicals; gondolas for coal, steel coil and mill service products; open-top hopper cars for coal and aggregates; boxcars for paper and auto parts; and centerbeams and flat cars for lumber. Revenue is generated primarily from rental income on operating lease equipment. Corporate Corporate includes all other financial information not allocated to the segments. Corporate includes interest income on investment securities and interest-earning deposits at banks; interest expense for corporate funding, including brokered deposits; funds transfer pricing allocations; gains or losses on sales of investment securities; fair value adjustments on marketable equity securities; income from bank-owned life insurance; portions of salaries and benefits expense; and acquisition-related expenses. Corporate also includes certain items related to accounting for business combinations, such as gains on acquisitions, day 2 provisions for credit losses, discount accretion income for acquired loans, and amortization of certain intangible assets. Segment Results and Select Period End Balances The following table presents the condensed income statement by segment: Year Ended December 31, 2023 General Banking Commercial Banking Silicon Valley Banking Rail Corporate Total BancShares Net interest income (expense) $ 2,433 $ 1,015 $ 1,946 $ (143) $ 1,461 $ 6,712 Provision for credit losses 71 517 71 — 716 1,375 Net interest income (expense) after provision for credit losses 2,362 498 1,875 (143) 745 5,337 Noninterest income 490 559 478 746 9,802 12,075 Noninterest expense 1,607 823 1,642 481 782 5,335 Income before income taxes 1,245 234 711 122 9,765 12,077 Income tax expense (benefit) 336 69 181 32 (7) 611 Net income $ 909 $ 165 $ 530 $ 90 $ 9,772 $ 11,466 Select Period End Balances Total assets $ 50,179 $ 31,826 $ 56,190 $ 8,199 $ 67,364 $ 213,758 Loans and leases 47,330 30,936 55,013 23 — 133,302 Operating lease equipment, net — 780 — 7,966 — 8,746 Deposits 102,647 3,228 38,477 13 1,489 145,854 Year Ended December 31, 2022 General Banking Commercial Banking Silicon Valley Banking Rail Corporate Total BancShares Net interest income (expense) $ 1,947 $ 884 $ — $ (80) $ 195 $ 2,946 Provision for credit losses 11 121 — — 513 645 Net interest income (expense) after provision for credit losses 1,936 763 — (80) (318) 2,301 Noninterest income 482 517 — 657 480 2,136 Noninterest expense 1,542 744 — 428 361 3,075 Income (loss) before income taxes 876 536 — 149 (199) 1,362 Income tax expense (benefit) 214 128 — 37 (115) 264 Net income (loss) $ 662 $ 408 $ — $ 112 $ (84) $ 1,098 Select Period End Balances Total assets $ 45,802 $ 28,235 $ — $ 7,647 $ 27,614 $ 109,298 Loans and leases 43,212 27,491 — 78 — 70,781 Operating lease equipment, net — 723 — 7,433 — 8,156 Deposits 84,369 3,219 — 15 1,805 89,408 Year Ended December 31, 2021 General Banking Commercial Banking Silicon Valley Banking Rail Corporate Total BancShares Net interest income (expense) $ 1,447 $ 17 $ — $ — $ (74) $ 1,390 Benefit for credit losses (37) — — — — (37) Net interest income (expense) after provision for credit losses 1,484 17 — — (74) 1,427 Noninterest income 433 — — — 75 508 Noninterest expense 1,179 3 — — 52 1,234 Income (loss) before income taxes 738 14 — — (51) 701 Income tax expense (benefit) 162 3 — — (11) 154 Net income (loss) $ 576 $ 11 $ — $ — $ (40) $ 547 Select Period End Balances Total assets $ 33,848 $ 552 $ — $ — $ 23,909 $ 58,309 Loans and leases 31,820 552 — — — 32,372 Deposits 51,344 62 — — — 51,406

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2023
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENCIES	NOTE 24 — COMMITMENTS AND CONTINGENCIES Commitments To meet the financing needs of its customers, BancShares and its subsidiaries have financial instruments with off-balance sheet risk. These financial instruments involve elements of credit, interest rate or liquidity risk and include commitments to extend credit and standby letters of credit. December 31, 2023 includes balances related to the SVBB Acquisition and are included in financing commitments and letters of credit. The accompanying table summarizes credit-related commitments and other purchase and funding commitments: dollars in millions December 31, 2023 December 31, 2022 Financing Commitments Financing assets (excluding leases) $ 57,567 $ 23,452 Letters of Credit Standby letters of credit 2,412 436 Other letters of credit 103 44 Deferred Purchase Agreements 2,076 2,039 Purchase and Funding Commitments (1) 685 941 (1) BancShares’ purchase and funding commitments relate to the equipment leasing businesses’ commitments to fund Rail’s railcar manufacturer purchase and upgrade commitments. Financing Commitments Commitments to extend credit are legally binding agreements to lend to customers. These commitments generally have fixed expiration dates or other termination clauses and may require payment of fees. Established credit standards control the credit risk exposure associated with these commitments. In some cases, BancShares requires collateral be pledged to secure the commitment, including cash deposits, securities and other assets. Financing commitments, referred to as loan commitments or lines of credit, primarily reflect BancShares’ agreements to lend to its customers, subject to the customers’ compliance with contractual obligations. At December 31, 2023 and 2022, substantially all undrawn financing commitments were senior facilities. The undrawn and available financing commitments are primarily in the Silicon Valley Banking and Commercial Banking segments. Financing commitments also include $66 million and $66 million at December 31, 2023 and 2022, respectively, related to off-balance sheet commitments to fund equity investments. Commitments to fund equity investments are contingent on events that have yet to occur and may be subject to change. As financing commitments may not be fully drawn, may expire unused, may be reduced or canceled at the customer’s request, and may require the customer to be in compliance with certain conditions, commitment amounts do not necessarily reflect actual future cash flow requirements. The table above excludes uncommitted revolving credit facilities extended by Commercial Services to its clients for working capital purposes. In connection with these facilities, Commercial Services has the sole discretion throughout the duration of these facilities to determine the amount of credit that may be made available to its clients at any time and whether to honor any specific advance requests made by its clients under these credit facilities. Letters of Credit Standby letters of credit are commitments to pay the beneficiary thereof if drawn upon by the beneficiary upon satisfaction of the terms of the letter of credit. Those commitments are primarily issued to support public and private borrowing arrangements. To mitigate its risk, BancShares’ credit policies govern the issuance of standby letters of credit. The credit risk related to the issuance of these letters of credit is essentially the same as in extending loans to clients and, therefore, these letters of credit are collateralized when necessary. These financial instruments generate fees and involve, to varying degrees, elements of credit risk in excess of amounts recognized in the Consolidated Balance Sheets. Deferred Purchase Agreements A DPA is provided in conjunction with factoring, whereby a client is provided with credit protection for trade receivables without purchasing the receivables. The trade receivables terms generally require payment in 90 days or less. If the client’s customer is unable to pay an undisputed receivable solely as the result of credit risk, BancShares is then required to purchase the receivable from the client, less any borrowings for such client based on such defaulted receivable. The outstanding amount in the table above, less $143 million and $186 million at December 31, 2023 and 2022, respectively, of borrowings for such clients, is the maximum amount that BancShares would be required to pay under all DPAs. This maximum amount would only occur if all receivables subject to DPAs default in the manner described above, thereby requiring BancShares to purchase all such receivables from the DPA clients. The table above includes $1.92 billion and $1.90 billion of DPA exposures at December 31, 2023 and 2022, respectively, related to receivables on which BancShares has assumed the credit risk. The table also includes $161 million and $138 million available under DPA credit line agreements provided at December 31, 2023 and 2022, respectively. The DPA credit line agreements specify a contractually committed amount of DPA credit protection and are cancellable by us only after a notice period, which is typically 90 days or less. Litigation and Other Contingencies The Parent Company and certain of its subsidiaries have been named as a defendant in legal actions arising from its normal business activities in which damages in various amounts are claimed. BancShares is also exposed to litigation risk relating to the prior business activities of banks from which assets were acquired and liabilities assumed. BancShares is involved, and from time to time in the future may be involved, in a number of pending and threatened judicial, regulatory, and arbitration proceedings as well as proceedings, investigations, examinations and other actions brought or considered by governmental and self-regulatory agencies. These matters arise in connection with the ordinary conduct of BancShares’ business. At any given time, BancShares may also be in the process of responding to subpoenas, requests for documents, data and testimony relating to such matters and engaging in discussions to resolve the matters (all of the foregoing collectively being referred to as “Litigation”). While most Litigation relates to individual claims, BancShares may be subject to putative class action claims and similar broader claims and indemnification obligations. In light of the inherent difficulty of predicting the outcome of Litigation matters and indemnification obligations, particularly when such matters are in their early stages or where the claimants seek indeterminate damages, BancShares cannot state with confidence what the eventual outcome of the pending Litigation will be, what the timing of the ultimate resolution of these matters will be, or what the eventual loss, fines, or penalties related to each pending matter will be, if any. In accordance with applicable accounting guidance, BancShares’ establishes reserves for Litigation when those matters present loss contingencies as to which it is both probable that a loss will occur and the amount of such loss can reasonably be estimated. Based on currently available information, BancShares believes that the outcome of Litigation that is currently pending will not have a material adverse effect on BancShares’ financial condition, but may be material to BancShares’ operating results or cash flows for any particular period, depending in part on its operating results for that period. The actual results of resolving such matters may be substantially higher than the amounts reserved. For certain Litigation matters in which BancShares is involved, BancShares is able to estimate a range of reasonably possible losses in excess of established reserves and insurance. For other matters for which a loss is probable or reasonably possible, such an estimate cannot be determined. For Litigation and other matters where losses are reasonably possible, management currently estimates an aggregate range of reasonably possible losses of up to $10 million in excess of any established reserves and any insurance we reasonably believe we will collect related to those matters. This estimate represents reasonably possible losses (in excess of established reserves and insurance) over the life of such Litigation, which may span a currently indeterminable number of years, and is based on information currently available as of December 31, 2023. The Litigation matters underlying the estimated range will change from time to time, and actual results may vary significantly from this estimate. Those Litigation matters for which an estimate is not reasonably possible or as to which a loss does not appear to be reasonably possible, based on current information, are not included within this estimated range and, therefore, this estimated range does not represent BancShares’ maximum loss exposure. The foregoing statements about BancShares’ Litigation are based on BancShares’ judgments, assumptions, and estimates and are necessarily subjective and uncertain. In the event of unexpected future developments, it is possible that the ultimate resolution of these cases, matters, and proceedings, if unfavorable, may be material to BancShares’ consolidated financial position in a particular period.

Certain Relationships and Relat

Certain Relationships and Related Transactions	12 Months Ended
	Dec. 31, 2023
Related Party Transactions [Abstract]
CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS	NOTE 25 — CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS CIT Northbridge Credit LLC (“Northbridge”) is an asset-based-lending joint venture between FCB and Allstate Insurance Company (“Allstate”) that extends credit in asset-based lending middle-market loans. FCB holds a 20% equity investment in Northbridge, and First Citizens Institutional Asset Management LLC, a subsidiary of FCB, acts as an investment advisor and servicer of the loan portfolio. Allstate is an 80% equity investor. FCB’s investment was $38 million and $43 million at December 31, 2023 and 2022, respectively, with the expectation of additional investment as the joint venture grows. Management fees were earned on loans under management. BancShares accounts for Northbridge under the equity method and recognized $6 million and $4 million in the Consolidated Statement of Income for the years ended December 31, 2023 and 2022, respectively, for its proportion of Northbridge’s net income. BancShares has investments in qualified affordable housing projects primarily for the purposes of fulfilling CRA requirements and obtaining tax credits. These investments are accounted for using the proportional amortization method. BancShares also has investments in various trusts, partnerships, and limited liability corporations established in conjunction with structured financing transactions of equipment, power and infrastructure projects and workout transactions. BancShares’ interests in these entities were entered into in the ordinary course of business that are accounted for under the equity or cost methods. Refer to Note 10—Variable Interest Entities and Note 11—Other Assets for additional information. The combination of investments in and loans to unconsolidated entities represents BancShares’ maximum exposure to loss, as BancShares does not provide guarantees or other forms of indemnification to unconsolidated entities. BancShares has, and expects to have in the future, banking transactions in the ordinary course of business with directors, officers and their associates (“Related Persons”) and entities controlled by Related Persons. For those identified as Related Persons as of December 31, 2023, the following table provides an analysis of changes in the loans outstanding during 2023 and 2022: Year ended December 31 dollars in thousands 2023 2022 Balance at January 1 $ 171 $ 122 New loans 1,657 61 Repayments (59) (12) Balance at December 31 $ 1,769 $ 171 Unfunded loan commitments available to Related Persons were $2.3 million and $2.6 million as of December 31, 2023 and 2022, respectively.

Parent Company Financial Statem

Parent Company Financial Statements	12 Months Ended
	Dec. 31, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
PARENT COMPANY FINANCIAL STATEMENTS	NOTE 26 — PARENT COMPANY FINANCIAL STATEMENTS Parent Company Condensed Balance Sheets dollars in millions December 31, 2023 December 31, 2022 Assets Cash and due from banks $ 200 $ 119 Interest-earning deposits at banks 5 3 Investment in marketable equity securities 82 93 Investment in banking subsidiary 21,324 9,935 Investment in other subsidiaries 50 34 Other assets 60 48 Total assets $ 21,721 $ 10,232 Liabilities and Stockholders' Equity Subordinated debt $ 367 $ 454 Borrowings due to banking subsidiary 45 60 Other liabilities 54 56 Total liabilities 466 570 Stockholders’ equity 21,255 9,662 Total liabilities and stockholders’ equity $ 21,721 $ 10,232 Parent Company Condensed Statements of Income Year ended December 31 dollars in millions 2023 2022 2021 Income Dividends from banking subsidiary $ 367 $ 1,410 $ 173 Other (loss) income (8) (2) 36 Total income 359 1,408 209 Expenses Interest expense 22 19 17 Other expenses 40 26 11 Total expenses 62 45 28 Income before income taxes and equity in undistributed net income of subsidiaries 297 1,363 181 Income tax (benefit) expense (14) 44 2 Income before equity in undistributed net income of subsidiaries 311 1,319 179 Equity in undistributed (distributed) net income of subsidiaries 11,155 (221) 368 Net income 11,466 1,098 547 Preferred stock dividends 59 50 18 Net income available to common stockholders $ 11,407 $ 1,048 $ 529 Parent Company Condensed Statements of Cash Flows Year ended December 31 dollars in millions 2023 2022 2021 OPERATING ACTIVITIES Net income $ 11,466 $ 1,098 $ 547 Adjustments to reconcile net income to cash provided by operating activities: (Undistributed) distributed net income of subsidiaries (11,155) 221 (368) Deferred tax expense (5) 48 — Net amortization of premiums and discounts — 1 1 Fair value adjustment on marketable equity securities, net 11 6 (34) Stock based compensation expense 5 19 — Net change in due to or from subsidiaries — — 4 Net change in other assets (17) (3) 7 Net change in other liabilities 3 (2) 3 Net cash provided by operating activities 308 1,388 160 INVESTING ACTIVITIES Net (increase) decrease in interest-earning deposits at banks (2) 3 (4) Purchase of marketable equity securities — — (2) Proceeds from sales of marketable equity securities — — 30 Proceeds from sales, calls, and maturities of investment securities — — 2 Net cash paid in acquisition — (51) — Net cash (used in) provided by investing activities (2) (48) 26 FINANCING ACTIVITIES Repayment of other borrowings — (68) (20) Repayment of subordinated debt (87) — — (Repayment) proceeds for borrowings due to banking subsidiary (15) 20 — Repurchase of Class A common stock — (1,240) — Cash dividends paid (117) (83) (42) Other financing activities (6) (24) — Net cash used in financing activities (225) (1,395) (62) Net change in cash and due from banks 81 (55) 124 Cash and due from banks at beginning of year 119 174 50 Cash and due from banks at end of year $ 200 $ 119 $ 174 CASH PAYMENTS (REFUNDS) FOR: Interest $ 23 $ 18 $ 17 Income taxes 470 (536) 810

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Pay vs Performance Disclosure
Net income	$ 11,466	$ 1,098	$ 547

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Dec. 31, 2023
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Significant Accounting Polici_2

Significant Accounting Policies and Basis of Presentation (Policies)	12 Months Ended
	Dec. 31, 2023
Accounting Policies [Abstract]
Basis of Presentation	Principles of Consolidation and Basis of Presentation The accounting and reporting policies of BancShares are in accordance with United States generally accepted accounting principles (“GAAP”) and general practices within the banking industry. The consolidated financial statements of BancShares include the accounts of BancShares and its subsidiaries, certain partnership interests and variable interest entities (“VIEs”) where BancShares is the primary beneficiary, if applicable. All significant intercompany accounts and transactions are eliminated upon consolidation. Assets held in agency or fiduciary capacity are not included in the consolidated financial statements. VIEs are legal entities that either do not have sufficient equity to finance their activities without the support from other parties or whose equity investors lack a controlling financial interest. BancShares has investments in certain partnerships and limited liability entities that have been evaluated and determined to be VIEs. Consolidation of a VIE is appropriate if a reporting entity holds a controlling financial interest in the VIE and is the primary beneficiary. BancShares is not the primary beneficiary and does not hold a controlling interest in the VIEs as we do not have the power to direct the activities that most significantly impact the VIEs’ economic performance. As such, assets and liabilities of these entities are not consolidated into the financial statements of BancShares. The recorded investment in these entities is reported within other assets. See Note 10—Variable Interest Entities and Note 11—Other Assets for additional information.
Principles of Consolidation	Principles of Consolidation and Basis of Presentation The accounting and reporting policies of BancShares are in accordance with United States generally accepted accounting principles (“GAAP”) and general practices within the banking industry. The consolidated financial statements of BancShares include the accounts of BancShares and its subsidiaries, certain partnership interests and variable interest entities (“VIEs”) where BancShares is the primary beneficiary, if applicable. All significant intercompany accounts and transactions are eliminated upon consolidation. Assets held in agency or fiduciary capacity are not included in the consolidated financial statements. VIEs are legal entities that either do not have sufficient equity to finance their activities without the support from other parties or whose equity investors lack a controlling financial interest. BancShares has investments in certain partnerships and limited liability entities that have been evaluated and determined to be VIEs. Consolidation of a VIE is appropriate if a reporting entity holds a controlling financial interest in the VIE and is the primary beneficiary. BancShares is not the primary beneficiary and does not hold a controlling interest in the VIEs as we do not have the power to direct the activities that most significantly impact the VIEs’ economic performance. As such, assets and liabilities of these entities are not consolidated into the financial statements of BancShares. The recorded investment in these entities is reported within other assets. See Note 10—Variable Interest Entities and Note 11—Other Assets for additional information.
Reclassifications	Reclassifications
Use of Estimates in the Preparation of Financial Statements	Use of Estimates in the Preparation of Financial Statements The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions based on available information. These estimates and assumptions impact the amounts reported in the consolidated financial statements and accompanying notes and the disclosures provided, and actual results could differ from those estimates. The significant estimates related to the determination of the allowance for loan and lease losses (“ALLL”) and fair values of loans acquired in and the core deposit intangibles associated with a business combination are considered critical accounting estimates.
Business Combinations	Business Combinations BancShares accounts for business combinations using the acquisition method of accounting. Under this method, acquired assets and assumed liabilities are included with the acquirer’s accounts at their estimated fair value as of the date of acquisition, with any excess of purchase price over the fair values of the net assets acquired and any finite-lived intangible assets established in connection with the business combination recognized as goodwill. To the extent the fair value of identifiable net assets acquired exceeds the purchase price, a gain on acquisition is recognized. Acquisition-related costs are recognized as period expenses as incurred. On March 27, 2023 (the “SVBB Acquisition Date”), FCB acquired substantially all loans and certain other assets and assumed all customer deposits and certain other liabilities of Silicon Valley Bridge Bank, N.A. (“SVBB”) from the Federal Deposit Insurance Corporation (the “FDIC”) pursuant to the terms of a purchase and assumption agreement (the “SVBB Purchase Agreement”) by and among FCB, the FDIC, and the FDIC, as receiver of SVBB (the “SVBB Acquisition”). On January 3, 2022 (the “CIT Merger Date”), BancShares completed its merger (the “CIT Merger”) with CIT Group Inc. (“CIT”), pursuant to an Agreement and Plan of Merger, dated as of October 15, 2020, as amended by Amendment No. 1, dated as of September 30, 2021 (as amended, the “CIT Merger Agreement”)
Reportable Segments	Reportable Segments As of December 31, 2022, BancShares managed its business and reported its financial results in General Banking, Commercial Banking, and Rail segments. All other financial information is included in the “Corporate” component of segment disclosures. In conjunction with the SVBB Acquisition, BancShares added the Silicon Valley Banking segment (the “SVB segment”), which includes the assets acquired, liabilities assumed and related operations from the SVBB Acquisition. See Note 23—Business Segment Information for additional information.
Interest-Earning Deposits at Banks	Interest-Earning Deposits at Banks Interest-earning deposits at banks are primarily comprised of interest-bearing deposits with the Federal Reserve Bank (“FRB”) and other banks. Interest-earning deposits at banks have maturities of three months or less. The carrying value of interest-earning deposits at banks approximates its fair value due to its short-term nature.
Securities Purchased Under Agreement to Resell and Securities Sold Under Customer Repurchase Agreements	Securities Purchased Under Agreement to Resell Securities purchased under agreement to resell are accounted for as collateralized financing transactions as the terms of such purchase agreements do not qualify for sale accounting and are therefore recorded at the amount of cash advanced. The securities purchased under agreement to resell were collateralized by U.S. Treasury and U.S. agency mortgage-backed securities. Accrued interest receivables are recorded in other assets. Interest earned is recorded in interest income. Securities Sold Under Customer Repurchase Agreements
Investments	Investments Debt Securities BancShares classifies debt securities as held to maturity or available for sale. Debt securities are classified as held to maturity when BancShares has the intent and ability to hold the securities to maturity. held to maturity securities are reported at amortized cost. Debt securities classified as available for sale are reported at estimated fair value, with unrealized gains and losses, net of income taxes, reported in Accumulated Other Comprehensive Income (“AOCI”). Amortization of premiums and accretion of discounts for debt securities are recorded in interest income. Realized gains and losses from the sale of debt securities are included in noninterest income. BancShares performs pre-purchase due diligence and evaluates the credit risk of available for sale and held to maturity debt securities purchased directly into BancShares' portfolio or via acquisition. If securities have evidence of more than insignificant credit deterioration since issuance, they are designated as purchased credit deteriorated (“PCD”). For available for sale debt securities, management performs a quarterly analysis of the investment portfolio to evaluate securities currently in an unrealized loss position for potential credit-related impairment. If BancShares intends to sell a security, or does not have the intent and ability to hold a security before recovering the amortized cost, the entirety of the unrealized loss is immediately recorded in earnings to the extent that it exceeds the associated allowance for credit losses previously established. For the remaining securities, an analysis is performed to determine if any portion of the unrealized loss recorded relates to credit impairment. If credit-related impairment exists, the amount is recorded through the allowance for credit losses and related provision. This review includes indicators such as changes in credit rating, delinquency, bankruptcy or other significant events impacting the issuer. Debt securities are also classified as past due when the payment of principal and interest based upon contractual terms is 30 days delinquent or greater. Management reviews all debt securities with delinquent interest and immediately charges off any accrued interest determined to be uncollectible. See Note 3—Investment Securities for additional information. Equity Securities Investments in equity securities having readily determinable fair values are stated at fair value. Realized and unrealized gains and losses on these securities are included in noninterest income. Dividends on marketable equity securities are included in interest on investment securities. Nonmarketable equity securities that do not meet the criteria to be accounted for under the equity method and that do not have readily determinable fair values are measured at cost under the measurement alternative with adjustments for impairment and observable price changes if applicable. Dividends from these investments are included in noninterest income. See Note 11—Other Assets for amounts of nonmarketable equity securities at December 31, 2023 and 2022. BancShares evaluates its equity securities for impairment and recoverability of the recorded investment based on analysis of the facts and circumstances of each investment, including the profitability and asset quality of the issuer, dividend payment history and recent redemption experience. Impairment is assessed at each reporting period and if identified, is recognized in noninterest income. Other Securities Membership in the Federal Home Loan Bank (“FHLB”) network requires ownership of FHLB restricted stock. This stock is restricted as it may only be sold to the FHLB and all sales must be at par. Accordingly, the FHLB restricted stock is carried at cost, less any applicable impairment charges and is recorded within other assets. Additionally, BancShares holds shares of Visa Inc. (“Visa”) Class B common stock. See Note 3—Investment Securities and Note 11—Other Assets for additional information.
Affordable Housing Tax Credit Investments	Affordable Housing Tax Credit Investments
Equity Method Investments	Equity Method Investments
Assets Held for Sale	Assets Held for Sale
Loans and Leases	Loans and Leases Originated loans for which management has the intent and ability to hold for the foreseeable future are classified as held for investment and carried at the principal amount outstanding net of any unearned income, charge-offs and unamortized fees and costs. Nonrefundable fees collected and certain direct costs incurred related to loan originations are deferred and recorded as an adjustment to loans outstanding. The net amount of the nonrefundable fees and costs is amortized to interest income over the contractual lives as an adjustment to yield using methods that approximate a constant yield, as applicable, or the straight-line method for revolving lines of credit. BancShares extends credit to commercial customers through a variety of financing arrangements including term loans, revolving credit facilities, finance leases and operating leases. BancShares also extends credit through consumer loans, including residential mortgages and auto loans. Our loan classes as of December 31, 2023 are described below. Commercial Loans and Leases Commercial Construction – Commercial construction consists of loans to finance land for commercial development of real property and construction of multifamily apartments or other commercial properties. These loans are highly dependent on the supply and demand for commercial real estate (“CRE”) as well as the demand for newly constructed residential homes and lots acquired for development. Deterioration in demand could result in decreased collateral values, which could make repayments of outstanding loans difficult. Owner Occupied Commercial Mortgage – Owner occupied commercial mortgage consists of loans to purchase or refinance owner occupied nonresidential properties. This includes office buildings, other commercial facilities and farmland. Commercial mortgages secured by owner occupied properties are primarily dependent on the ability of borrowers to achieve business results consistent with those projected at loan origination. While these loans are collateralized by real property in an effort to mitigate risk, it is possible the liquidation of collateral will not fully satisfy the obligation. Non-owner Occupied Commercial Mortgage – Non-owner occupied commercial mortgage consists of loans to purchase or refinance investment nonresidential properties. This includes office buildings and other facilities rented or leased to unrelated parties, as well as farmland and multifamily properties. The primary risk associated with income producing commercial mortgage loans is the ability of the income-producing property that collateralizes the loan to produce adequate cash flow to service the debt. While these loans are collateralized by real property in an effort to mitigate risk, it is possible the liquidation of collateral will not fully satisfy the obligation. Commercial and Industrial – Commercial and industrial (“C&I”) loans consist of loans or lines of credit to finance accounts receivable, inventory or other general business needs, and business credit cards. The primary risk associated with C&I loans is the ability of borrowers to achieve business results consistent with those projected at origination. Failure to achieve these projections presents risk that the borrower will be unable to service the debt consistent with the contractual terms of the loan. Factoring – We provide factoring, receivable management, and secured financing to businesses (our clients, who are generally manufacturers or importers of goods) that operate in several industries, including apparel, textile, furniture, home furnishings and consumer electronics. Factoring entails the assumption of credit risk with respect to trade accounts receivable arising from the sale of goods by our clients to their customers (generally retailers) that have been factored (i.e., sold or assigned to the factor). The most prevalent risk in factoring transactions is customer credit risk, which relates to the financial inability of a customer to pay undisputed factored trade accounts receivable. Factoring receivables are primarily included in the C&I loan class. Leases – Leases consists of finance lease arrangements for technology and office equipment and large and small industrial, medical, and transportation equipment. Consumer Loans Residential Mortgage – Consumer mortgage consists of loans to purchase, construct, or refinance the borrower’s primary dwelling, secondary residence or vacation home and are often secured by 1-4 family residential properties or undeveloped or partially developed land in anticipation of completing construction of a 1-4 family residential property. Significant and rapid declines in real estate values can result in borrowers having debt levels in excess of the current market value of the collateral. Delays in construction and development projects can cause cost overruns exceeding the borrower’s financial ability to complete the project. Such cost overruns can result in foreclosure of partially completed and unmarketable collateral. Revolving Mortgage – Revolving mortgage consists of home equity lines of credit and other lines of credit or loans secured by first or second liens on the borrower’s primary residence. These loans are secured by both senior and junior liens on the residential real estate and are particularly susceptible to declining collateral values. This risk is elevated for loans secured by junior liens as a substantial decline in value could render the junior lien position effectively unsecured. Consumer Auto – Consumer auto loans consist of installment loans to finance purchases of vehicles. These loans include direct auto loans originated in bank branches, as well as indirect auto loans originated through agreements with auto dealerships. The value of the underlying collateral within this class is at risk of potential rapid depreciation, which could result in unpaid balances in excess of the collateral, if any. Consumer Other – Other consumer loans consist of loans to finance unsecured home improvements, student loans, and revolving lines of credit that can be secured or unsecured, including personal credit cards. The value of the underlying collateral within this class is at risk of potential rapid depreciation, which could result in unpaid balances in excess of the collateral. SVB Loan Classes SVB loan classes were added to reflect the loans acquired in the SVBB Acquisition. The SVB loan classes are described below. Global Fund Banking – Global fund banking is the largest class of SVB loans and consists of capital call lines of credit, the repayment of which is dependent on the payment of capital calls by the underlying limited partner investors in funds managed by certain private equity and venture capital firms. Investor Dependent – The investor dependent class includes loans made primarily to technology and life science/healthcare companies. These borrowers typically have modest or negative cash flows and rarely have an established record of profitable operations. Repayment of these loans may be dependent upon receipt by borrowers of additional equity financing from venture capital firms or other investors, or in some cases, a successful sale to a third-party or an initial public offering. The investor dependent loans are disaggregated into two classes: • Early Stage – These include loans to pre-revenue, development-stage companies and companies that are in the early phases of commercialization, with revenues of up to $5 million. • Growth Stage – These include loans to growth stage enterprises. Companies with revenues between $5 million and $15 million, or pre-revenue clinical-stage biotechnology companies, are considered to be mid-stage, and companies with revenues in excess of $15 million are considered to be later-stage. Cash Flow Dependent and Innovation C&I – Cash flow dependent and innovation C&I loans are made primarily to technology and life science/healthcare companies that are not investor dependent. Repayment of these loans is not dependent on additional equity financing, a successful sale or an initial public offering. • Cash Flow Dependent – Cash flow dependent loans are typically used to assist a select group of private equity sponsors with the acquisition of businesses, are larger in size and repayment is generally dependent upon the cash flows of the combined entities. Acquired companies are typically established, later-stage businesses of scale, and characterized by reasonable levels of leverage with loan structures that include meaningful financial covenants. The sponsor’s equity contribution is often 50 percent or more of the acquisition price. • Innovation C&I – These include loans in innovation sectors such as technology and life science/healthcare industries. Innovation C&I loans are dependent on either the borrower’s cash flows or balance sheet for repayment. Cash flow dependent loans require the borrower to maintain cash flow from operations that is sufficient to service all debt. Borrowers must demonstrate normalized cash flow in excess of all fixed charges associated with operating the business. Balance sheet dependent loans include asset-backed loans and are structured to require constant current asset coverage (e.g., cash, cash equivalents, accounts receivable and, to a much lesser extent, inventory) in an amount that exceeds the outstanding debt. The repayment of these arrangements is dependent on the financial condition, and payment ability, of third parties with whom our clients do business. Private Bank – Private banking includes loans to clients who are primarily private equity or venture capital professionals and executives in the innovation companies, as well as high net worth clients. We offer a customized suite of private banking services, including mortgages, home equity lines of credit, restricted and private stock loans, personal capital call lines of credit, lines of credit against liquid assets and other secured and unsecured lending products. In addition, we provide owner occupied commercial mortgages and real estate secured loans. Commercial Real Estate – CRE consists generally of acquisition financing loans for commercial properties such as office buildings, retail properties, apartment buildings and industrial/warehouse space. Other – The remaining smaller acquired portfolios are aggregated into this category. These include other C&I, premium wine and other acquired portfolios. • Other C&I loans include working capital and revolving lines of credit, as well as term loans for equipment and fixed assets. These loans are primarily to clients that are not in the technology and life sciences/healthcare industries. Additionally, other C&I loans contain commercial tax-exempt loans to not-for-profit private schools, colleges, public charter schools and other not-for-profit organizations. • Premium wine loans are made to wine producers, vineyards and wine industry or hospitality businesses across the Western United States. A large portion of these loans are secured by real estate collateral such as vineyards and wineries. ▪ Other acquired portfolios consist primarily of construction and land loans for financing new developments as well as financing for improvements to existing buildings. These also include community development loans made as part of our responsibilities under CRA. Acquired Loans and Leases BancShares’ accounting methods for acquired loans and leases depends on whether or not the loans reflect more than insignificant credit deterioration since origination at the date of acquisition. Non-Purchased Credit Deteriorated Loans and Leases Non-Purchased Credit Deteriorated (“Non-PCD”) loans and leases do not reflect more than insignificant credit deterioration since origination at the date of acquisition. These loans are recorded at fair value and an increase to the ALLL is recorded with a corresponding increase to the provision for credit losses at the date of acquisition. The difference between fair value and the unpaid principal balance (“UPB”) at the acquisition date is amortized or accreted to interest income over the contractual life of the loan using the effective interest method. Purchased Credit Deteriorated Loans and Leases Purchased loans and leases that reflect a more than insignificant credit deterioration since origination at the date of acquisition are classified as PCD loans and leases. PCD loans and leases are recorded at acquisition date amortized cost, which is the purchase price or fair value in a business combination, plus BancShares' initial ALLL, which results in a gross up of the loan balance (the “PCD Gross-Up”). The initial ALLL for PCD loans and leases (the “Initial PCD ALLL”) is established through the PCD Gross-Up and there is no corresponding increase to the provision for credit losses. The difference between the UPB and the acquisition date amortized cost resulting from the PCD Gross-Up is amortized or accreted to interest income over the contractual life of the loan using the effective interest method. Refer to Note 5—Allowance for Loan and Lease Losses for additional information. Past Due and Non-Accrual Loans and Leases Loans and leases are classified as past due when the payment of principal and interest based upon contractual terms is 30 days or greater delinquent. Loans and leases are generally placed on nonaccrual when principal or interest becomes 90 days past due or when it is probable the principal or interest is not fully collectible. When loans are placed on nonaccrual, previously uncollected accrued interest is reversed from interest income and the ongoing accrual of interest is discontinued. All payments received thereafter are applied as a reduction of the outstanding balance until the account is collected, charged-off or returned to accrual status. Loans and leases are generally removed from nonaccrual status when they become current for a sustained period of time and there is no longer concern as to the collectability of principal and interest. Troubled Debt Restructurings and Loan Modifications When a Borrower is Experiencing Financial Difficulty Refer to discussion in the “Newly Adopted Accounting Standards” section of Note 1—Significant Accounting Policies and Basis of Presentation. Loan Charge-Offs and Recoveries
Allowance for Loan and Lease Losses	Allowance for Loan and Lease Losses The ALLL represents management’s best estimate of credit losses expected over the life of the loan or lease, adjusted for expected contractual payments and the impact of prepayment expectations. Estimates for loan and lease losses are determined by analyzing quantitative and qualitative components present as of the evaluation date using the current expected credit loss (“CECL”) methodology in accordance with Financial Accounting Standards Board Accounting Standard Codification (“ASC”) 326 Financial Instruments- Credit Losses . Adjustments to the ALLL are recorded with a corresponding entry to the provision or benefit for credit losses. The ALLL is calculated based on a variety of considerations, including, but not limited to actual net loss history of the various loan and lease pools, delinquency trends, changes in forecasted economic conditions, loan growth, estimated loan life, and changes in portfolio credit quality. Loans and leases are segregated into pools with similar risk characteristics and each have a model that is utilized to estimate the ALLL. These ALLL models estimate the probability of obligor default (“PD”) and loss given default (“LGD”) for individual loans and leases within each risk pool based on historical loss experience, borrower characteristics, collateral type, forecasts of future economic conditions, expected future recoveries and other factors. The loan and lease level, undiscounted ALLL is calculated by applying the modeled PD and LGD to monthly forecasted loan and lease balances which are adjusted for contractual payments, prior defaults, and prepayments. Prepayment assumptions were developed through a review of BancShares’ historical prepayment activity and considered forecasts of future economic conditions. Forecasted LGDs are adjusted for expected recoveries. Model outputs may be adjusted through a qualitative assessment to reflect trends not captured within the models, which could include economic conditions, credit quality, concentrations, and significant policy and underwriting changes. Risk pools for estimating the ALLL are aggregated into commercial, consumer and SVB loan portfolios for reporting purposes in Note 5—Allowance for Loan and Lease Losses. The ALLL models utilize economic variables, including unemployment, gross domestic product, home price index, CRE index, corporate profits, and credit spreads. These economic variables are based on macroeconomic scenario forecasts with a forecast horizon that covers the lives of the loan portfolios. Due to the inherent uncertainty in the macroeconomic forecasts, BancShares utilizes baseline, upside, and downside macroeconomic scenarios and weights the scenarios based on review of variable forecasts for each scenario and comparison to expectations. When loans do not share risk characteristics similar to others in the pool, the ALLL is evaluated on an individual basis. Given that BancShares' CECL models are loan level models, the number of loans individually evaluated is not significant and consists primarily of loans greater than $500 thousand. A specific ALLL is established, or charge-off is recorded, for the difference between the excess amortized cost of loan and the estimated fair value of the loan, less estimated costs to sell. Accrued Interest Receivable BancShares' accounting policies and credit monitoring provide that uncollectible accrued interest is reversed or written off against interest income in a timely manner. Therefore, BancShares elected to not measure an ALLL for accrued interest receivable. Accrued interest receivable is recorded in other assets Unfunded Commitments A reserve for off-balance sheet exposures is established for unfunded commitments such as unfunded balances for existing lines of credit, deferred purchase agreements (“DPAs”), commitments to extend future credit, as well as both standby and commercial letters of credit, when there is a contractual obligation to extend credit and when this extension of credit is not unconditionally cancellable (i.e. commitment cannot be canceled at any time). We do not recognize an ALLL for commitments that are unconditionally cancellable at our discretion. These unfunded commitments are assessed to determine both the probability of funding as well as the expectation of future losses. BancShares estimates the expected funding amounts and applies its PD and LGD models to those expected funding amounts to estimate the reserve for off-balance sheet exposures. See Note 5—Allowance for Loan and Lease Losses for the provision for off-balance sheet credit exposure and Note 15—Other Liabilities for ending balances for the reserve for off-balance sheet credit exposure.
Lessor Arrangements	Lessor Arrangements Operating lease equipment is carried at cost less accumulated depreciation. Operating lease equipment is depreciated to its estimated residual value using the straight-line method over the lease term or estimated useful life of the asset. Rail equipment has estimated useful lives of 40-50 years and the useful lives of other equipment are generally 3-10 years. Where management’s intent is to sell the operating lease equipment and provided specific AHFS accounting criteria are met, the equipment is marked to LOCOM and classified as AHFS and depreciation is no longer recognized. Equipment received at the end of the lease to be sold is marked to LOCOM, with the adjustment recorded in other noninterest income. Initial direct costs are amortized over the lease term. Sales-type and direct financing leases are carried at the aggregate of lease payments receivable and estimated residual value of the leased property, if applicable, less unearned income. Interest income is recognized over the term of the leases to achieve a constant periodic rate of return on the outstanding investment. Our finance lease activity primarily relates to leasing of new equipment with the equipment purchase price equal to fair value and therefore there is no selling profit or loss at lease commencement. Lease components are separated from non-lease components that transfer a good or service to the customer; and the non-lease components in our lease contracts are accounted for in accordance with ASC 310 Receivables . BancShares utilizes the operating lease practical expedient for its Rail portfolio leases to not separate non-lease components of railcar maintenance services from associated lease components, and as a result rental income includes the maintenance non-lease component. This practical expedient is available when both of the following are met: (i) the timing and pattern of transfer of the non-lease components and associated lease component are the same and (ii) the lease component, if accounted for separately, would be classified as an operating lease.
Impairment of Operating Lease Equipment	Impairment of Operating Lease Equipment
Lessee Arrangements	Lessee Arrangements BancShares leases certain branch locations, administrative offices and equipment. Operating lease right of use assets (“ROU assets”) are included in other assets and the associated lease obligations are included in other liabilities. Finance leases are included in premises and equipment and other borrowings. See Note 13—Borrowings for additional information. Leases with an initial term of 12 months or less are not recorded on the Consolidated Balance Sheets; BancShares instead recognizes lease expense for these leases on a straight-line basis over the lease term. ROU assets represent BancShares' right to use an underlying asset for the lease term and lease liabilities represent BancShares' corresponding obligation to make lease payments arising from the lease. ROU assets and lease liabilities are recognized at commencement date based on the present value of lease payments over the lease term. ROU assets also include initial direct costs and pre-paid lease payments made less any lease incentives received. As most of BancShares' leases do not provide an implicit rate, BancShares uses its incremental borrowing rate based on the information available at commencement date in determining the present value of lease payments. The incremental borrowing rate is determined using secured rates for new FHLB advances under similar terms as the lease at inception. Most leases include one or more options to renew. The exercise of lease renewal options is at BancShares' sole discretion. When it is reasonably certain BancShares will exercise its option to renew or extend the lease term, the option is included in calculating the value of the ROU asset and lease liability. The depreciable life of assets and leasehold improvements are limited by the expected lease term, unless there is a transfer of title or purchase option reasonably certain of exercise.
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets Goodwill is defined in the “Business Combinations” section of Note 1—Significant Accounting Policies and Basis of Presentation. BancShares’ evaluates goodwill for impairment annually as of July 31 (the “Annual Goodwill Impairment Test”), or more frequently if events occur or circumstances change that may trigger a decline in the value of the reporting unit or otherwise indicate that a potential impairment exists. BancShares applied the acquisition method of accounting for the SVBB Acquisition and CIT Merger and the fair values of the net assets acquired and core deposit intangibles exceeded the purchase price for each transaction. Consequently, there was a gain on acquisition (and no goodwill) related to the SVBB Acquisition and the CIT Merger. Other finite-lived intangible assets, such as core deposit intangibles, are initially recorded at fair value and are amortized over their average estimated useful lives. Intangible assets are evaluated for impairment when events or changes in circumstances indicate a potential impairment exists.
Other Real Estate Owned	Other Real Estate Owned Other Real Estate Owned (“OREO”) includes foreclosed real estate property and closed branch properties. Foreclosed real estate property in OREO is initially recorded at the asset’s estimated fair value less costs to sell. Any excess in the recorded investment in the loan over the estimated fair value less costs to sell is charged-off against the ALLL at the time of foreclosure. If the estimated value of the OREO exceeds the recorded investment of the loan, the difference is recorded as a gain within other income. OREO is subsequently carried at the lower of cost or market value less estimated selling costs and is evaluated at least annually. The periodic evaluations are generally based on the appraised value of the property and may include additional adjustments based upon management’s review of the valuation estimate and specific knowledge of the property. Routine maintenance costs, income and expenses related to the operation of the foreclosed asset, subsequent declines in market value and net gains or losses on disposal are included in collection and foreclosure-related expense.
Premises and Equipment	Premises and Equipment Premises and equipment are carried at cost less accumulated depreciation. Land is carried at cost. Depreciation expense is generally computed using the straight-line method over the estimated useful lives of the assets. Leasehold improvements and finance lease ROU assets are amortized on a straight-line basis over the lesser of the lease terms or the estimated useful lives of the assets. BancShares reviews premises and equipment for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable, and when an impairment loss is recognized the adjusted carrying amount will be its new cost basis to depreciate over the remaining useful life of the asset.
Derivative Assets and Liabilities	Derivative Assets and Liabilities BancShares manages economic risk and exposure to interest rate and foreign currency risk through derivative transactions in over-the-counter markets with other financial institutions. BancShares also offers derivative products to its customers in order for them to manage their interest rate and currency risks. BancShares does not enter into derivative financial instruments for speculative purposes. Derivatives utilized by BancShares may include swaps, forward settlement contracts, options contracts and risk participations. A swap agreement is a contract between two parties to exchange cash flows based on specified underlying notional amounts, assets and/or indices. Forward settlement contracts are agreements to buy or sell a quantity of a financial instrument, index, currency or commodity at a predetermined future date, and rate or price. An option contract is an agreement that gives the buyer the right, but not the obligation, to buy or sell an underlying asset from or to another party at a predetermined price or rate over a specific period of time. A risk participation is a financial guarantee, in exchange for a fee, that gives the buyer the right to be made whole in the event of a predefined default event. BancShares documents, at inception, all relationships between hedging instruments and hedged items, as well as the risk management objectives and strategies for undertaking various hedges. Upon executing a derivative contract, BancShares designates the derivative as either a qualifying hedge or nonqualifying hedge (defined below). The designation may change based upon management’s reassessment of circumstances. In order to manage its interest rate exposure, BancShares enters into fair value hedges of certain fixed rate debt. BancShares recognizes the changes in the fair values of the hedging instrument and hedged item in interest expense for borrowings in the Consolidated Statements of Income. Derivatives not designated as hedging instruments (“nonqualifying hedges”) are presented in the Consolidated Balance Sheets in other assets or other liabilities, with resulting gains or losses and periodic interest settlements and other changes in fair value reported in other noninterest income. BancShares provides interest rate derivative contracts to support the business requirements of its customers. The derivative contracts include interest rate swap agreements and interest rate cap and floor agreements wherein BancShares acts as a seller of these derivative contracts to its customers. To mitigate the market risk associated with these customer derivatives, BancShares enters into back-to-back positions with broker-dealers. BancShares has both bought and sold credit protection in the form of participations in interest rate swaps (risk participations). These risk participations were entered into in the ordinary course of business to facilitate customer credit needs. Swap participations where BancShares has sold credit protection have maturities ranging between 2024 and 2048 and may require BancShares to make payment to the counterparty if the customer fails to make payment on any amounts due to the counterparty upon early termination of the swap transaction. BancShares uses foreign currency forward contracts, interest rate swaps, and options to hedge interest rate and foreign currency risks arising from its asset and liability mix. These are treated as economic hedges. All derivative instruments are recorded at their respective fair value. BancShares reports all derivatives on a gross basis in the Consolidated Balance Sheets and does not offset derivative assets and liabilities and cash collateral under master netting agreements except for swap contracts cleared by the Chicago Mercantile Exchange and LCH Clearnet. These swap contracts are accounted as “settled-to-market” and cash variation margin paid or received is characterized as settlement of the derivative exposure. Variation margin balances are offset against the corresponding derivative asset and liability balances on the balance sheet. Fair value is based on dealer quotes, pricing models, discounted cash flow methodologies, or similar techniques for which the determination of fair value may require significant management judgment or estimation. Valuations of derivative assets and liabilities reflect the value of the instrument including BancShares’ and the counterparty’s credit risk. BancShares is exposed to credit risk to the extent that the counterparty fails to perform under the terms of a derivative agreement. Losses related to credit risk are reflected in other noninterest income. BancShares manages this credit risk by requiring that all derivative transactions entered into as hedges be conducted with counterparties rated investment grade at the initial transaction by nationally recognized rating agencies, and by setting limits on the exposure with any individual counterparty. In addition, pursuant to the terms of the Credit Support Annexes between BancShares and its counterparties, BancShares may be required to post collateral or may be entitled to receive collateral in the form of cash or highly liquid securities depending on the valuation of the derivative instruments as measured on a daily basis. See Note 14—Derivative Financial Instruments for additional information. Foreign Exchange Contracts As a result of the SVBB Acquisition, FCB has foreign exchange forwards and swaps contracts with clients involved in foreign activities, either as the purchaser or seller, depending upon the clients’ needs. These are structured as back-to-back contracts to mitigate the risk of fluctuations in currency rates. The foreign exchange forward contracts are with correspondent banks to economically reduce our foreign exchange exposure related to certain foreign currency denominated instruments. Equity Warrant Assets
Mortgage Servicing Rights	Mortgage Servicing Rights Mortgage servicing rights (“MSRs”) represent the right to provide servicing under various loan servicing contracts when servicing is retained in connection with a loan sale or acquired in a business combination. MSRs are initially recorded at fair value and amortized in proportion to, and over the period of, the future net servicing income of the underlying loan. At each reporting period, MSRs are evaluated for impairment based upon the fair value of the rights as compared to the carrying value. See Note 9—Mortgage Servicing Rights for additional information.
Fair Values	Fair Values Fair Value Hierarchy BancShares measures the fair value of its financial assets and liabilities in accordance with ASC 820 Fair Value Measurement , which defines fair value, establishes a consistent framework for measuring fair value and requires disclosures about fair value measurements. BancShares categorizes its financial instruments based on the significance of inputs to the valuation techniques according to the following three-tier fair value hierarchy: • Level 1 - Quoted prices (unadjusted) in active markets for identical assets or liabilities that are accessible at the measurement date. Level 1 assets and liabilities include equity securities that are traded in an active exchange market. • Level 2 - Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 2 assets and liabilities include certain commercial loans, debt and equity securities with quoted prices that are traded less frequently than exchange-traded instruments or using a third-party pricing service, borrowings, time deposits, deposits with no stated maturity, securities sold under customer repurchase agreements and derivative contracts whose values are determined using a pricing model with inputs that are observable in the market or can be derived principally from or corroborated by observable market data. •
Per Share Data	Per Share Data
Income Taxes	Income Taxes Income taxes are accounted for using the asset and liability approach as prescribed in ASC 740, Income Taxes . Under this method, a deferred tax asset (“DTA”) or deferred tax liability (“DTL”) is determined based on the currently enacted tax rates applicable to the period in which the differences between the financial statement carrying amounts and tax basis of existing assets and liabilities are expected to be reported in BancShares’ income tax returns. The effect on deferred taxes of a change in tax rates is recognized in income in the period which includes the enactment date. BancShares has adopted the portfolio approach for purposes of releasing residual tax effects within AOCI. BancShares has unrecognized tax benefits related to the uncertain portion of tax positions BancShares has taken or expects to take. The potential impact of current events on the estimates used to establish income tax expenses and income tax liabilities is continually monitored and evaluated. Income tax positions based on current tax law, positions taken by various tax auditors within the jurisdictions where income tax returns are filed, as well as potential or pending audits or assessments by such tax auditors are evaluated on a periodic basis. BancShares files a consolidated federal income tax return and various combined and separate company state tax returns.
Bank-Owned Life Insurance (“BOLI”)	Bank-Owned Life Insurance (“BOLI”)
Share-Based Compensation	Stock-Based Compensation BancShares did not have stock-based compensation awards prior to completion of the CIT Merger. Certain CIT employees received grants of RSUs (“CIT RSUs”) or performance stock unit awards (“CIT PSUs”). Upon completion of the CIT Merger and pursuant to the terms of the Merger Agreement, (i) the CIT RSUs and CIT PSUs converted into “BancShares RSUs” based on the 0.062 exchange ratio (the “Exchange Ratio”) and (ii) the BancShares RSUs became subject to the same terms and conditions (including vesting terms, payment timing and rights to receive dividend equivalents) applicable to the CIT RSUs and CIT PSUs, except that vesting for the converted CIT PSUs was no longer subject to any performance goals or metrics. The fair value of the BancShares RSUs was determined based on the closing share price of the Parent Company’s Class A common stock on the CIT Merger Date. The fair value of the BancShares RSUs is (i) included in the purchase price consideration for the portion related to employee services provided prior to completion of the CIT Merger and (ii) recognized in expenses for the portion related to employee services to be provided after completion of the CIT Merger. For “graded vesting” awards, each vesting tranche of the award is amortized separately as if each were a separate award. For “cliff vesting” awards, compensation expense is recognized over the requisite service period. BancShares recognizes the effect of forfeitures in compensation expense when they occur. In the event of involuntary termination of employees after the CIT Merger Date, vesting occurs on the employee termination date for BancShares RSUs subject to change in control provisions. Expenses related to stock-based compensation are included in acquisition-related expenses in the Consolidated Statements of Income. Stock-based compensation is discussed further in Note 22—Employee Benefit Plans. Members of the CIT Board of Directors had RSU awards, stock settled annual awards, and deferred stock-settled annual awards (collectively, the “CIT Director Equity Awards”), which vested immediately upon the completion of the CIT Merger. The fair value of the CIT Director Equity Awards was determined based on the Exchange Ratio and the closing share price of the Class A common stock on the CIT Merger Date, and was included in the purchase price consideration disclosed in Note 2—Business Combinations.
Defined Benefit Pension Plans and Other Postretirement Benefits	Defined Benefit Pension Plans and Other Postretirement Benefits
Revenue Recognition	Revenue Recognition Interest income on held for investment loans is recognized using the effective interest method or on a basis approximating a level rate of return over the life of the asset. Interest income includes components of accretion of the fair value discount on loans and lease receivables recorded in connection with purchase accounting adjustments, which are accreted using the effective interest method as a yield adjustment over the remaining contractual term of the loan and recorded in interest income. If the loan is subsequently classified as held for sale, accretion (amortization) of the discount (premium) will cease. Interest income on loans held for investment and held for sale is included in interest and fees on loans in the Consolidated Statements of Income. Interest on investment securities and interest on interest-earning deposits at banks is recognized in interest income on an accrual basis. Amortization of premiums and accretion of discounts for investment securities are included in interest on investment securities. Dividends received from marketable equity securities are recognized within interest on investment securities. BancShares generally acts in a principal capacity, on its own behalf, in its contracts with customers. In these transactions, BancShares recognizes revenues and the related costs to generate those revenues on a gross basis. In certain, circumstances, BancShares acts in an agent capacity, on behalf of the customers with other entities, and recognizes revenues and the related costs to provide BancShares' services on a net basis. BancShares acts as an agent when providing certain cardholder and merchant, insurance, investment management, and brokerage services. Descriptions of BancShares' noninterest revenue-generating activities are broadly segregated as follows: Rental income on operating lease equipment – Rental income is recognized on a straight-line basis over the lease term for lease contract fixed payments and is included in noninterest income. Rental income also includes variable lease income which is recognized as earned. The accrual of rental income on operating leases is suspended when the collection of substantially all rental payments is no longer probable and rental income for such leases is recognized when cash payments are received. In the period we conclude that collection of rental payments is no longer probable, accrued but uncollected rental revenue is reversed against rental income. Fee income and other service charges – These include, but are not limited to, check cashing fees, international banking fees, internet banking fees, wire transfer fees, safe deposit fees, ATM income, as well as capital market-related fees and fees on lines and letters of credit. The performance obligation is fulfilled and revenue is recognized at the point in time the requested service is provided to the customer. Client investment fees – These are earned from discretionary investment management and related transaction-based services. For discretionary investment management services, revenue is recognized monthly based on the clients’ assets under management. Transaction-based fees are earned on fixed income securities and repurchase agreements when transactions are executed. Amounts paid to third-party providers are not reflected in the transaction price because FCB is an agent for such services. Wealth management services – These primarily represent sales commissions on various product offerings, transaction fees and trust and asset management fees. The performance obligation for wealth management services is the provision of services to place annuity products issued by the counterparty to investors and the provision of services to manage the client’s assets, including brokerage custodial and other management services. Revenue from wealth management services is recognized over the period in which services are performed, and is based on a percentage of the value of the assets under management/administration. International fees – These primarily include foreign exchange fees. Foreign exchange fees represent the difference between foreign currency's purchase and sale price in spot contracts. These fees are recognized when contracts are executed with our clients. Fees related to other foreign exchange contracts are recognized outside the scope of ASC 606, Revenue from Contracts with Customers , because they are considered derivatives. Service charges on deposit accounts – These deposit account-related fees represent monthly account maintenance and transaction-based service fees, such as overdraft fees, stop payment fees and charges for issuing cashier’s checks and money orders. For account maintenance services, revenue is recognized at the end of the statement period when BancShares' performance obligation has been satisfied. Other revenues from transaction-based services are recognized at a point in time when the performance obligation has been completed. Factoring commissions – These are earned in the Commercial Banking segment and are driven by factoring volumes, principally in the retail sectors. Factoring commissions are charged as a percentage of the invoice amount of the receivables assigned to BancShares. The volume of factoring activity and the commission rates charged impact factoring commission income earned. Factoring commissions are deferred and recognized as income over time based on the underlying terms of the assigned receivables. See Commercial Loans and Leases section for additional commentary on factoring. Cardholder and Merchant Services – These represent interchange fees from customer debit and credit card transactions earned when a cardholder engages in a transaction with a merchant as well as fees charged to merchants for providing them the ability to accept and process the debit and credit card transaction. Revenue is recognized when the performance obligation has been satisfied, which is upon completion of the card transaction. As BancShares is acting as an agent for the customer and transaction processor, costs associated with cardholder and merchant services transactions are netted against the fee income. Insurance commissions – These include revenue from insurance on equipment leased to customers, which is recognized over the policy period. We also earn commissions on the issuance of insurance products and services. The commission performance obligation is generally satisfied upon the issuance of the insurance policy and revenue is recognized when the commission payment is remitted by the insurance carrier or policy holder depending on whether the billing is performed by BancShares or the carrier. Gains on leasing equipment – These are recognized upon completion of sale (sale closing) and transfer of title. The gain is determined based on sales price less book carrying value (net of accumulated depreciation). BOLI income – This reflects income earned on changes in the CSV of the BOLI policies and proceeds of insurance benefits upon an event of a claim. Other – This consists of several forms of recurring revenue, such as FHLB dividends. For the remaining transactions, revenue is recognized when, or as, the performance obligation is satisfied. Other items include derivative gains and losses, gain on sales of other assets including OREO, fixed assets and loans, and non-marketable securities.
Newly Adopted Accounting Standards	Newly Adopted Accounting Standards BancShares adopted the following accounting standards as of January 1, 2023: ASU 2022-01, Fair Value Hedging - Portfolio Layer Method - Issued March 2022 The amendments in this Accounting Standards Update (“ASU”) allow entities to designate multiple hedged layers of a single closed portfolio and expands the scope of the portfolio layer method to include non-prepayable financial assets. The ASU provides additional guidance on the accounting for and disclosure of hedge basis adjustments under the portfolio layer method. In addition, upon adoption the update permits a one-time reclassification of certain debt securities from the held-to-maturity category to the available-for-sale category if the portfolio layer hedging method is applied to those securities. Upon adoption, we did not make any one-time reclassifications. Adoption of this ASU did not have a material impact on BancShares’ consolidated financial statements and disclosures as BancShares did not have any hedged portfolios. ASU 2022-02 Financial Instruments—Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures - Issued March 2022 (“ASU 2022-02”) The amendments in this ASU: (i) eliminated the previous recognition and measurement guidance for troubled debt restructurings (“TDRs”), (ii) required new disclosures for loan modifications when a borrower is experiencing financial difficulty (the “Modification Disclosures”) and (iii) required disclosures of current period gross charge-offs by year of origination in the vintage disclosures (the “Gross Charge-off Vintage Disclosures”). The Modification Disclosures apply to the following modification types: principal forgiveness, interest rate reductions, other-than-insignificant payment delays, term extensions, or a combination thereof. Creditors are required to disclose the following by loan class: (i) amounts and relative percentages of each modification type, (ii) the financial effect of each modification type, (iii) the performance of the loan in the 12 months following the modification and (iv) qualitative information discussing how the modifications factored into the determination of the ALLL. BancShares elected to apply the modified retrospective transition method for ALLL recognition and measurement. The adoption of this ASU did not result in a cumulative effect adjustment to retained earnings. The Modification Disclosures and Gross Charge-off Vintage Disclosures are applied prospectively beginning January 1, 2023. For periods prior to adoption of ASU 2022-02, a loan was considered a TDR when both a modification to a borrower’s debt agreement was made and a concession was granted for economic or legal reasons related to a borrower’s financial difficulties that otherwise would not be granted. TDR concessions could include short-term deferrals of interest, modifications of payment terms or, in certain limited instances, forgiveness of principal or interest. TDR loans can be nonaccrual or accrual, depending on the individual facts and circumstances of the borrower. In circumstances where a portion of the loan balance was charged-off, the remaining balance was typically classified as nonaccrual. See Note 4—Loans and Leases for TDR disclosures for historical periods prior to adoption of ASU 2022-02 and the Modification Disclosures and Gross Charge-off Vintage Disclosures for periods after ASU 2022-02 was adopted.

Business Combinations (Tables)

Business Combinations (Tables)	12 Months Ended
	Dec. 31, 2023
Business Combination and Asset Acquisition [Abstract]
Schedule of Business Acquisitions	The following table provides the purchase price allocation to the identifiable assets acquired and liabilities assumed at their estimated fair values as of the SVBB Acquisition Date. Fair Value Purchase Price Allocation dollars in millions Fair Value Purchase Price Allocation as of March 27, 2023 Purchase price consideration Purchase Money Note (1) $ 35,808 Value Appreciation Instrument 500 Purchase price consideration $ 36,308 Assets Cash and due from banks $ 1,310 Interest-earning deposits at banks 34,001 Investment securities available for sale 385 Loans and leases, net of the initial PCD ALLL 68,468 Affordable housing tax credit and other unconsolidated investments 1,273 Premises and equipment 308 Core deposit intangibles 230 Other assets 1,564 Total assets acquired $ 107,539 Liabilities Deposits $ 56,014 Borrowings 10 Deferred tax liabilities 3,364 Other liabilities 2,035 Total liabilities assumed $ 61,423 Fair value of net assets acquired 46,116 Preliminary gain on acquisition, after income taxes (2) $ 9,808 Preliminary gain on acquisition, before income taxes (2) $ 13,172 (1) The principal amount of the Purchase Money Note is the carrying value of net assets acquired of approximately $52.52 billion less the asset discount of $16.45 billion pursuant to the SVBB Purchase Agreement. The $35.81 billion above is net of a fair value discount of approximately $264 million. (2) The difference between the preliminary gain on acquisition before and after taxes reflects the deferred tax liabilities recorded in the SVBB Acquisition, as presented above. Loans and Leases Acquired dollars in millions Loans and Leases UPB Fair Value Non-PCD loans and leases $ 68,719 $ 66,422 PCD loans and leases 2,568 2,046 Total loans and leases, before PCD gross-up $ 71,287 $ 68,468 The following table summarizes PCD loans and leases that BancShares acquired in the SVBB Acquisition. PCD Loans and Leases dollars in millions Total PCD Loans from SVBB Acquisition UPB $ 2,568 Fair value 2,046 Total fair value discount 522 Less: discount for loans with $0 fair value at SVBB Acquisition Date 26 Less: PCD gross-up 220 Non-credit discount (1) $ 276 (1) The non-credit discount of $276 million will be accreted into income over the contractual life of the applicable loan using the effective interest method. Fair Value Purchase Price Allocation dollars in millions, except shares issued and price per share Fair Value Purchase Price Allocation as of January 3, 2022 Common share consideration Shares of Class A common stock issued 6,140,010 Price per share on January 3, 2022 $ 859.76 Common stock consideration $ 5,279 Preferred stock consideration 541 Stock-based compensation consideration 81 Cash in lieu of fractional shares and other consideration paid 51 Purchase price consideration $ 5,952 Assets Cash and interest-earning deposits at banks $ 3,060 Investment securities 6,561 Assets held for sale 59 Loans and leases 32,714 Operating lease equipment 7,838 Bank-owned life insurance 1,202 Intangible assets 143 Other assets 2,198 Total assets acquired $ 53,775 Liabilities Deposits $ 39,428 Borrowings 4,536 Credit balances of factoring clients 1,534 Other liabilities 1,894 Total liabilities assumed $ 47,392 Fair value of net assets acquired 6,383 Gain on acquisition $ 431 Loans Acquired dollars in millions Loans and Leases UPB Fair Value Non-PCD loans and leases $ 29,542 $ 29,481 PCD loans and leases 3,550 3,233 Total loans and leases $ 33,092 $ 32,714
Schedule of Valuation of Core Deposits	The following table presents the intangible asset recorded related to the valuation of core deposits: Intangible Asset dollars in millions Fair Value Estimated Useful Life Amortization Method Core deposit intangibles $ 230 8 years Effective yield The following table presents the intangible asset recorded in conjunction with the CIT Merger related to the valuation of core deposits: Intangible Assets dollars in millions Fair Value Estimated Useful Life Amortization Method Core deposit intangibles $ 143 10 years Straight-line
Schedule of Other Assets Acquired and Other Liabilities Assumed	The following table details other assets acquired: Other Assets dollars in millions Fair Value Accrued interest receivable $ 431 Federal Home Loan Bank stock and Federal Reserve Bank stock 320 Fair value of derivative financial instruments 458 Other 355 Total other assets $ 1,564 The following table details other liabilities assumed: dollars in millions Fair Value Commitments to fund tax credit investments $ 715 Fair value of derivative financial instruments 497 Reserve for off-balance sheet credit exposures 253 Accrued interest payable 109 Other 461 Total other liabilities $ 2,035 The following table details other assets acquired: Other Assets dollars in millions Fair Value Low-income housing tax credits and other investments $ 777 Right of use assets 327 Premises and equipment 230 Fair value of derivative financial instruments 209 Counterparty receivables 133 Other 522 Total other assets $ 2,198
Business Acquisition, Pro Forma Information	Actual results may differ from the unaudited pro forma information presented below and the differences could be significant. Selected Unaudited Pro Forma Financial Information for Consolidated BancShares dollars in millions Year Ended December 31, 2022 2021 Interest income $ 3,413 $ 2,867 Noninterest income 1,705 2,537 Net income 1,225 1,497

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2023
Investments [Abstract]
Schedule of Amortized Cost and Fair Value of Investment Securities	The following tables include the amortized cost and fair value of investment securities at December 31, 2023 and 2022. Amortized Cost and Fair Value - Investment Securities dollars in millions December 31, 2023 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Investment securities available for sale U.S. Treasury $ 10,554 $ 34 $ (80) $ 10,508 Government agency 120 — (3) 117 Residential mortgage-backed securities 7,154 72 (540) 6,686 Commercial mortgage-backed securities 2,319 9 (197) 2,131 Corporate bonds 529 — (47) 482 Municipal bonds 12 — — 12 Total investment securities available for sale $ 20,688 $ 115 $ (867) $ 19,936 Investment in marketable equity securities $ 75 $ 17 $ (8) $ 84 Investment securities held to maturity U.S. Treasury $ 479 $ — $ (40) $ 439 Government agency 1,506 — (143) 1,363 Residential mortgage-backed securities 4,205 — (644) 3,561 Commercial mortgage-backed securities 3,489 — (614) 2,875 Supranational securities 298 — (35) 263 Other 2 — — 2 Total investment securities held to maturity $ 9,979 $ — $ (1,476) $ 8,503 Total investment securities $ 30,742 $ 132 $ (2,351) $ 28,523 December 31, 2022 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Investment securities available for sale U.S. Treasury $ 2,035 $ — $ (137) $ 1,898 Government agency 164 — (2) 162 Residential mortgage-backed securities 5,424 1 (630) 4,795 Commercial mortgage-backed securities 1,774 — (170) 1,604 Corporate bonds 570 — (34) 536 Total investment securities available for sale $ 9,967 $ 1 $ (973) $ 8,995 Investment in marketable equity securities $ 75 $ 21 $ (1) $ 95 Investment securities held to maturity U.S. Treasury $ 474 $ — $ (50) $ 424 Government agency 1,548 — (186) 1,362 Residential mortgage-backed securities 4,605 — (723) 3,882 Commercial mortgage-backed securities 3,355 — (484) 2,871 Supranational securities 295 — (41) 254 Other 2 — — 2 Total investment securities held to maturity $ 10,279 $ — $ (1,484) $ 8,795 Total investment securities $ 20,321 $ 22 $ (2,458) $ 17,885
Schedule of Investment Securities Maturity Information	The following table provides the amortized cost and fair value by contractual maturity. Expected maturities will differ from contractual maturities on certain securities because borrowers and issuers may have the right to call or prepay obligations with or without prepayment penalties. Residential and commercial mortgage-backed and government agency securities are stated separately as they are not due at a single maturity date. Maturities - Debt Securities dollars in millions December 31, 2023 December 31, 2022 Cost Fair Value Cost Fair Value Investment securities available for sale Non-amortizing securities maturing in: One year or less $ 5,674 $ 5,658 $ 37 $ 37 After one through five years 4,996 4,959 2,068 1,928 After five through 10 years 408 369 483 455 After 10 years 17 16 17 14 Government agency 120 117 164 162 Residential mortgage-backed securities 7,154 6,686 5,424 4,795 Commercial mortgage-backed securities 2,319 2,131 1,774 1,604 Total investment securities available for sale $ 20,688 $ 19,936 $ 9,967 $ 8,995 Investment securities held to maturity Non-amortizing securities maturing in: One year or less $ 27 $ 26 $ 51 $ 51 After one through five years 1,636 1,508 1,479 1,328 After five through 10 years 622 533 789 663 Residential mortgage-backed securities 4,205 3,561 4,605 3,882 Commercial mortgage-backed securities 3,489 2,875 3,355 2,871 Total investment securities held to maturity $ 9,979 $ 8,503 $ 10,279 $ 8,795
Schedule of Interest and Dividends on Investment Securities	T he following table presents interest and dividend income on investment securities: Interest and Dividends on Investment Securities dollars in millions Year Ended December 31, 2023 2022 2021 Interest income - taxable investment securities $ 642 $ 352 $ 143 Interest income - nontaxable investment securities 4 — — Dividend income - marketable equity securities 2 2 2 Interest on investment securities $ 648 $ 354 $ 145
Schedule of Realized Gain (Loss)	The following table presents the gross realized losses and gains on the sales of investment securities available for sale. Realized Losses on Debt Securities Available For Sale dollars in millions Year Ended December 31, 2023 2022 2021 Gross realized gains on sales of investment securities available for sale $ — $ — $ 33 Gross realized losses on sales of investment securities available for sale (26) — — Net realized (losses) gains on sales of investment securities available for sale $ (26) $ — $ 33
Schedule of Unrealized Loss on Available-for-sale Securities	The following table provides information regarding investment securities available for sale with unrealized losses: Gross Unrealized Losses on Debt Securities Available For Sale dollars in millions December 31, 2023 Less than 12 months 12 months or more Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Investment securities available for sale U.S. Treasury $ 955 $ — $ 1,919 $ (80) $ 2,874 $ (80) Government agency 23 — 94 (3) 117 (3) Residential mortgage-backed securities 293 (3) 4,073 (537) 4,366 (540) Commercial mortgage-backed securities 157 (1) 1,386 (196) 1,543 (197) Corporate bonds 89 (9) 393 (38) 482 (47) Total $ 1,517 $ (13) $ 7,865 $ (854) $ 9,382 $ (867) December 31, 2022 Less than 12 months 12 months or more Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Investment securities available for sale U.S. Treasury $ 403 $ (27) $ 1,495 $ (110) $ 1,898 $ (137) Government agency 65 (1) 62 (1) 127 (2) Residential mortgage-backed securities 1,698 (165) 3,001 (465) 4,699 (630) Commercial mortgage-backed securities 836 (53) 752 (117) 1,588 (170) Corporate bonds 499 (30) 37 (4) 536 (34) Total $ 3,501 $ (276) $ 5,347 $ (697) $ 8,848 $ (973)

Loans and Leases (Tables)

Loans and Leases (Tables)	12 Months Ended
	Dec. 31, 2023
Receivables [Abstract]
Schedule of Loans by Class	Refer to Note 2—Business Combinations for discussion of the loans acquired in the SVBB Acquisition. Loans by Class dollars in millions December 31, 2023 December 31, 2022 Commercial Commercial construction $ 3,465 $ 2,804 Owner occupied commercial mortgage 15,567 14,473 Non-owner occupied commercial mortgage 11,540 9,902 Commercial and industrial 27,072 24,105 Leases 2,054 2,171 Total commercial 59,698 53,455 Consumer Residential mortgage 14,422 13,309 Revolving mortgage 2,007 1,951 Consumer auto 1,442 1,414 Consumer other 720 652 Total consumer 18,591 17,326 SVB Global fund banking 25,553 — Investor dependent - early stage 1,403 — Investor dependent - growth stage 2,897 — Innovation C&I and cash flow dependent 9,658 — Private Bank 9,822 — CRE 2,698 — Other 2,982 — Total SVB 55,013 — Total loans and leases $ 133,302 $ 70,781
Schedule of Amortized Cost of Loans	The following table presents selected components of the amortized cost of loans, including the unamortized discount on acquired loans. Components of Amortized Cost dollars in millions December 31, 2023 December 31, 2022 Deferred (fees) costs, including unamortized costs and unearned fees on non-PCD loans $ (72) $ 34 Net unamortized discount on acquired loans Non-PCD $ 1,860 $ 73 PCD 176 45 Total net unamortized discount $ 2,036 $ 118
Schedule of Loans and Leases Delinquency Status and Nonaccrual Status	The aging of the outstanding loans and leases by class at December 31, 2023 and 2022 is provided in the tables below. Loans and leases less than 30 days past due are considered current, as various grace periods allow borrowers to make payments within a stated period after the due date and remain in compliance with the respective agreement. Loans and Leases - Delinquency Status dollars in millions December 31, 2023 30-59 Days 60-89 Days 90 Days or Total Current Total Commercial Commercial construction $ 43 $ 8 $ 2 $ 53 $ 3,412 $ 3,465 Owner occupied commercial mortgage 22 10 47 79 15,488 15,567 Non-owner occupied commercial mortgage 89 160 281 530 11,010 11,540 Commercial and industrial 164 48 112 324 26,748 27,072 Leases 55 15 21 91 1,963 2,054 Total commercial 373 241 463 1,077 58,621 59,698 Consumer Residential mortgage 118 23 56 197 14,225 14,422 Revolving mortgage 14 3 11 28 1,979 2,007 Consumer auto 9 3 2 14 1,428 1,442 Consumer other 5 3 4 12 708 720 Total consumer 146 32 73 251 18,340 18,591 SVB Global fund banking — — — — 25,553 25,553 Investor dependent - early stage 10 12 9 31 1,372 1,403 Investor dependent - growth stage 5 2 7 14 2,883 2,897 Innovation C&I and cash flow dependent 27 3 40 70 9,588 9,658 Private Bank 30 11 17 58 9,764 9,822 CRE 10 28 2 40 2,658 2,698 Other 5 — 4 9 2,973 2,982 Total SVB 87 56 79 222 54,791 55,013 Total loans and leases $ 606 $ 329 $ 615 $ 1,550 $ 131,752 $ 133,302 December 31, 2022 30-59 Days 60-89 Days 90 Days or Total Current Total Commercial Commercial construction $ 50 $ — $ 1 $ 51 $ 2,753 $ 2,804 Owner occupied commercial mortgage 29 5 25 59 14,414 14,473 Non-owner occupied commercial mortgage 76 144 11 231 9,671 9,902 Commercial and industrial 173 26 53 252 23,853 24,105 Leases 59 17 16 92 2,079 2,171 Total commercial 387 192 106 685 52,770 53,455 Consumer Residential mortgage 73 16 52 141 13,168 13,309 Revolving mortgage 9 3 8 20 1,931 1,951 Consumer auto 7 1 1 9 1,405 1,414 Consumer other 4 2 3 9 643 652 Total consumer 93 22 64 179 17,147 17,326 Total loans and leases $ 480 $ 214 $ 170 $ 864 $ 69,917 $ 70,781 The amortized cost by class of loans and leases on nonaccrual status, and loans and leases greater than 90 days past due and still accruing at December 31, 2023 and 2022 are presented below. Loans on Non-Accrual Status (1) (2) dollars in millions December 31, 2023 December 31, 2022 Non-Accrual Loans Loans > Non-Accrual Loans Loans > Commercial Commercial construction $ 2 $ 1 $ 48 $ — Owner occupied commercial mortgage 61 8 41 2 Non-owner occupied commercial mortgage 354 38 228 — Commercial and industrial 193 56 184 41 Leases 31 7 28 7 Total commercial 641 110 529 50 Consumer Residential mortgage 96 1 75 10 Revolving mortgage 20 — 18 — Consumer auto 5 — 4 — Consumer other 1 3 1 3 Total consumer 122 4 98 13 SVB Global fund banking — — — — Investor dependent - early stage 37 2 — — Investor dependent - growth stage 37 — — — Innovation C&I and cash flow dependent 43 — — — Private Bank 30 3 — — CRE 58 — — — Other 1 4 — — Total SVB 206 9 — — Total loans and leases $ 969 $ 123 $ 627 $ 63 (1) Accrued interest that was reversed when the loan went to nonaccrual status was $10 million for the year ended December 31, 2023 and $4 million for the year ended December 31, 2022. (2) Nonaccrual loans for which there was no related ALLL totaled $138 million at December 31, 2023 and $63 million at December 31, 2022. The following tables present the amortized cost and performance of modified loans to borrowers experiencing financial difficulties. The period of delinquency is based on the number of days the scheduled payment is contractually past due. Modified Loans Payment Status (year ended December 31, 2023) dollars in millions Current 30–59 Days Past Due 60–89 Days Past Due 90 days or greater Past Due Total Commercial Commercial construction $ 4 $ — $ — $ — $ 4 Owner occupied commercial mortgage 17 1 — 1 19 Non-owner occupied commercial mortgage 280 — — — 280 Commercial and industrial 114 — 1 1 116 Total commercial 415 1 1 2 419 Consumer Residential mortgage 11 — 1 1 13 Revolving mortgage 3 — — — 3 Total consumer 14 — 1 1 16 SVB Investor dependent - early stage 22 — — 4 26 Investor dependent - growth stage 36 — — — 36 Innovation C&I and cash flow dependent 39 — — 40 79 Private Bank 4 — — — 4 CRE 14 — — — 14 Other 2 3 — — 5 Total SVB 117 3 — 44 164 Total loans and leases $ 546 $ 4 $ 2 $ 47 $ 599
Schedule of Loans Disaggregated by Year of Origination and by Risk Rating	The following tables summarize the commercial and SVB loans disaggregated by year of origination and by risk rating. The consumer loan delinquency status by year of origination is also presented below. The tables reflect the amortized cost of the loans and include PCD loans. Commercial Loans - Risk Classifications by Class December 31, 2023 Risk Classification: Term Loans by Origination Year Revolving Converted to Term Loans dollars in millions 2023 2022 2021 2020 2019 2018 & Prior Revolving Total Commercial construction Pass $ 1,011 $ 1,318 $ 589 $ 219 $ 52 $ 55 $ 36 $ — $ 3,280 Special Mention — — 2 49 46 — — — 97 Substandard — 47 5 31 — 5 — — 88 Doubtful — — — — — — — — — Ungraded — — — — — — — — — Total commercial construction 1,011 1,365 596 299 98 60 36 — 3,465 Owner occupied commercial mortgage Pass 2,439 2,840 3,087 2,708 1,579 2,099 177 — 14,929 Special Mention 31 17 24 27 43 70 1 — 213 Substandard 8 54 95 63 41 155 9 — 425 Doubtful — — — — — — — — — Ungraded — — — — — — — — — Total owner occupied commercial mortgage 2,478 2,911 3,206 2,798 1,663 2,324 187 — 15,567 Non-owner occupied commercial mortgage Pass 2,631 2,526 1,641 1,391 883 1,181 43 — 10,296 Special Mention 8 41 33 88 168 73 9 — 420 Substandard 1 36 17 114 311 276 — — 755 Doubtful — — — — 41 28 — — 69 Ungraded — — — — — — — — — Total non-owner occupied commercial mortgage 2,640 2,603 1,691 1,593 1,403 1,558 52 — 11,540 Commercial and industrial Pass 8,069 4,573 2,945 1,395 879 937 6,033 19 24,850 Special Mention 105 134 144 89 69 21 194 — 756 Substandard 92 219 133 209 126 248 243 2 1,272 Doubtful 2 19 5 — 12 20 13 — 71 Ungraded — — — — — — 123 — 123 Total commercial and industrial 8,268 4,945 3,227 1,693 1,086 1,226 6,606 21 27,072 Leases Pass 732 499 290 209 91 35 — — 1,856 Special Mention 18 22 20 7 4 1 — — 72 Substandard 28 32 21 19 6 8 — — 114 Doubtful 3 4 3 1 1 — — — 12 Ungraded — — — — — — — — — Total leases 781 557 334 236 102 44 — — 2,054 Total commercial $ 15,178 $ 12,381 $ 9,054 $ 6,619 $ 4,352 $ 5,212 $ 6,881 $ 21 $ 59,698 SVB - Risk Classifications by Class December 31, 2023 Risk Classification: Term Loans by Origination Year Revolving Converted to Term Loans dollars in millions 2023 2022 2021 2020 2019 2018 & Prior Revolving Total Global fund banking Pass $ 453 $ 202 $ 40 $ 36 $ 14 $ 3 $ 24,702 $ 66 $ 25,516 Special Mention — — — — — — — — — Substandard — 7 9 3 — — 18 — 37 Doubtful — — — — — — — — — Ungraded — — — — — — — — — Total global fund banking 453 209 49 39 14 3 24,720 66 25,553 Investor dependent - early stage Pass 421 453 85 4 1 — 99 2 1,065 Special Mention 8 14 1 — — — — — 23 Substandard 40 138 51 3 — — 51 — 283 Doubtful 12 12 3 — — 1 4 — 32 Ungraded — — — — — — — — — Total investor dependent - early stage 481 617 140 7 1 1 154 2 1,403 Investor dependent - growth stage Pass 1,034 967 217 25 8 2 198 5 2,456 Special Mention 6 25 — — — — — — 31 Substandard 66 192 83 7 1 — 27 — 376 Doubtful — 12 20 — — — 2 — 34 Ungraded — — — — — — — — — Total investor dependent - growth stage 1,106 1,196 320 32 9 2 227 5 2,897 Innovation C&I and cash flow dependent Pass 2,370 2,238 833 293 80 44 2,598 — 8,456 Special Mention 99 103 36 66 — — 92 — 396 Substandard 51 185 254 76 25 — 175 — 766 Doubtful — — — — — 10 30 — 40 Ungraded — — — — — — — — — Total innovation C&I and cash flow dependent 2,520 2,526 1,123 435 105 54 2,895 — 9,658 Private bank Pass 1,247 2,273 2,148 1,361 750 1,114 830 10 9,733 Special Mention 5 2 1 — 1 7 7 — 23 Substandard 10 — 3 5 3 37 5 2 65 Doubtful — — — — 1 — — — 1 Ungraded — — — — — — — — — Total private bank 1,262 2,275 2,152 1,366 755 1,158 842 12 9,822 CRE Pass 506 458 257 168 195 801 51 5 2,441 Special Mention — 6 7 10 3 23 — — 49 Substandard — 14 16 10 57 57 — — 154 Doubtful — — 2 13 26 11 2 — 54 Ungraded — — — — — — — — — Total CRE 506 478 282 201 281 892 53 5 2,698 Other Pass 458 625 438 251 176 377 435 42 2,802 Special Mention — 11 12 32 — — — — 55 Substandard — 52 8 8 4 31 21 1 125 Doubtful — — — — — — — — — Ungraded — — — — — — — — — Total Other 458 688 458 291 180 408 456 43 2,982 Total SVB $ 6,786 $ 7,989 $ 4,524 $ 2,371 $ 1,345 $ 2,518 $ 29,347 $ 133 $ 55,013 Consumer Loans - Delinquency Status by Class December 31, 2023 Days Past Due: Term Loans by Origination Year Revolving Converted to Term Loans dollars in millions 2023 2022 2021 2020 2019 2018 & Prior Revolving Total Residential mortgage Current $ 2,047 $ 3,522 $ 3,488 $ 1,895 $ 694 $ 2,571 $ 8 $ — $ 14,225 30-59 days 4 13 14 6 7 74 — — 118 60-89 days 1 1 3 2 1 15 — — 23 90 days or greater 1 4 1 4 1 45 — — 56 Total residential mortgage 2,053 3,540 3,506 1,907 703 2,705 8 — 14,422 Revolving mortgage Current — — — — — — 1,903 76 1,979 30-59 days — — — — — — 10 4 14 60-89 days — — — — — — 1 2 3 90 days or greater — — — — — — 6 5 11 Total revolving mortgage — — — — — — 1,920 87 2,007 Consumer auto Current 525 427 261 131 56 28 — — 1,428 30-59 days 1 3 2 1 1 1 — — 9 60-89 days 1 1 1 — — — — — 3 90 days or greater — 1 1 — — — — — 2 Total consumer auto 527 432 265 132 57 29 — — 1,442 Consumer other Current 158 103 52 8 4 16 367 — 708 30-59 days 1 1 — — — — 3 — 5 60-89 days — — — — — 1 2 — 3 90 days or greater — — — — — 2 2 — 4 Total consumer other 159 104 52 8 4 19 374 — 720 Total consumer $ 2,739 $ 4,076 $ 3,823 $ 2,047 $ 764 $ 2,753 $ 2,302 $ 87 $ 18,591 The following tables represent current credit quality indicators by origination year as of December 31, 2022: Commercial Loans - Risk Classifications by Class December 31, 2022 Risk Classification: Term Loans by Origination Year Revolving Converted to Term Loans dollars in millions 2022 2021 2020 2019 2018 2017 & Prior Revolving Total Commercial construction Pass $ 1,140 $ 759 $ 511 $ 157 $ 27 $ 75 $ 42 $ — $ 2,711 Special Mention 4 — 18 18 — — — — 40 Substandard 2 — — 43 — 5 — — 50 Doubtful — — — 3 — — — — 3 Ungraded — — — — — — — — — Total commercial construction 1,146 759 529 221 27 80 42 — 2,804 Owner occupied commercial mortgage Pass 2,773 3,328 2,966 1,825 1,048 1,867 177 — 13,984 Special Mention 33 14 32 33 18 49 2 — 181 Substandard 24 47 41 28 47 114 6 — 307 Doubtful — — — — — 1 — — 1 Ungraded — — — — — — — — — Total owner occupied commercial mortgage 2,830 3,389 3,039 1,886 1,113 2,031 185 — 14,473 Non-owner occupied commercial mortgage Pass 2,501 1,658 1,794 1,397 680 933 48 — 9,011 Special Mention — 1 69 38 35 10 1 — 154 Substandard 3 11 68 324 58 236 — — 700 Doubtful — — — 17 — 20 — — 37 Ungraded — — — — — — — — — Total non-owner occupied commercial mortgage 2,504 1,670 1,931 1,776 773 1,199 49 — 9,902 Commercial and industrial Pass 7,695 4,145 2,035 1,533 872 845 5,252 29 22,406 Special Mention 87 153 79 63 52 23 40 — 497 Substandard 106 117 194 132 166 145 200 1 1,061 Doubtful 1 4 3 11 6 16 7 — 48 Ungraded — — — — — — 93 — 93 Total commercial and industrial 7,889 4,419 2,311 1,739 1,096 1,029 5,592 30 24,105 Leases Pass 718 466 389 216 80 108 — — 1,977 Special Mention 21 22 17 9 4 — — — 73 Substandard 32 32 27 12 7 1 — — 111 Doubtful 2 3 2 1 1 — — — 9 Ungraded — — — — — 1 — — 1 Total leases 773 523 435 238 92 110 — — 2,171 Total commercial $ 15,142 $ 10,760 $ 8,245 $ 5,860 $ 3,101 $ 4,449 $ 5,868 $ 30 $ 53,455 Consumer Loans - Delinquency Status by Class December 31, 2022 Days Past Due: Term Loans by Origination Year Revolving Converted to Term Loans dollars in millions 2022 2021 2020 2019 2018 2017 & Prior Revolving Total Residential mortgage Current $ 3,485 $ 3,721 $ 2,097 $ 805 $ 413 $ 2,625 $ 22 $ — $ 13,168 30-59 days 3 7 6 5 3 49 — — 73 60-89 days 1 1 2 — 1 11 — — 16 90 days or greater — 1 1 2 2 46 — — 52 Total residential mortgage 3,489 3,730 2,106 812 419 2,731 22 — 13,309 Revolving mortgage Current — — — — — — 1,839 92 1,931 30-59 days — — — — — — 5 4 9 60-89 days — — — — — — 2 1 3 90 days or greater — — — — — — 5 3 8 Total revolving mortgage — — — — — — 1,851 100 1,951 Consumer auto Current 599 398 216 111 59 22 — — 1,405 30-59 days 1 2 2 1 1 — — — 7 60-89 days — 1 — — — — — — 1 90 days or greater — 1 — — — — — — 1 Total consumer auto 600 402 218 112 60 22 — — 1,414 Consumer other Current 160 82 13 6 2 19 361 — 643 30-59 days — — — — — 1 3 — 4 60-89 days — — — — — 1 1 — 2 90 days or greater — — — — — 1 2 — 3 Total consumer other 160 82 13 6 2 22 367 — 652 Total consumer $ 4,249 $ 4,214 $ 2,337 $ 930 $ 481 $ 2,775 $ 2,240 $ 100 $ 17,326
Schedule of Troubled Debt Restructuring	Gross charge-off vintage disclosures by origination year and loan class are summarized in the following table for the year ended December 31, 2023: Gross Charge-offs Year Ended December 31, 2023 Term Loans by Origination Year Revolving Converted to Term Loans dollars in millions 2023 2022 2021 2020 2019 2018 & Prior Revolving Total Commercial Owner occupied commercial mortgage $ — $ — $ — $ — $ — $ — $ 1 $ — $ 1 Non-owner occupied commercial mortgage — — — — 64 21 — — 85 Commercial and industrial 25 73 30 9 15 15 49 1 217 Leases 2 10 7 3 2 1 — — 25 Total commercial 27 83 37 12 81 37 50 1 328 Consumer Residential mortgage — — — — — 2 — — 2 Consumer auto 1 1 1 1 — — — — 4 Consumer other 7 1 1 — — — 13 — 22 Total consumer 8 2 2 1 — 2 13 — 28 SVB Investor dependent - early stage 2 30 29 3 — — 11 — 75 Investor dependent - growth stage 22 37 25 12 — — 1 — 97 Innovation C&I and cash flow dependent 6 — — — — — 18 — 24 CRE — — — — 2 — — — 2 Other 6 17 10 44 — 1 6 — 84 Total SVB 36 84 64 59 2 1 36 — 282 Total loans and leases $ 71 $ 169 $ 103 $ 72 $ 83 $ 40 $ 99 $ 1 $ 638 The following tables present loan modifications made to debtors experiencing financial difficulty, disaggregated by class and type of loan modification. The tables also include the weighted average term extensions, as well as the modification total relative to the total period-end amortized cost basis of loans in the respective loan class. Loan Modifications Made to Borrowers Experiencing Financial Difficulty (year ended December 31, 2023) dollars in millions Term Extension (1) Other Than Insignificant Payment Delay Interest Rate Reduction Amortized Cost Weighted Average Term Extension (Months) Amortized Cost Weighted Average Payment Delay (Months) Amortized Cost Weighted Average Interest Rate Reduction Commercial Commercial construction $ 4 9 $ — — $ — — % Owner occupied commercial mortgage 17 17 — — 2 3.62 Non-owner occupied commercial mortgage 240 12 — — — — Commercial and industrial 102 20 9 7 — — Leases — 16 — — — — Total commercial 363 14 9 7 2 3.62 Consumer Residential mortgage 7 90 — — — 1.63 Revolving mortgage 2 60 — — — 1.74 Consumer auto — 24 — — — — Consumer other — 55 — — — 9.65 Total consumer 9 84 — — — 4.44 SVB Investor dependent - early stage 3 4 17 5 — — Investor dependent - growth stage 8 9 28 5 — — Innovation C&I and cash flow dependent 72 4 — — — — Private Bank 4 11 — — — — CRE 14 9 — — — — Other 4 6 1 6 — — Total SVB 105 6 46 5 — — Total loans and leases $ 477 14 $ 55 6 $ 2 3.83 % (1) Term extensions include modifications in which the balloon principal payment was deferred to a later date or the loan amortization period was extended. Loan Modifications Made to Borrowers Experiencing Financial Difficulty (continued) dollars in millions Term Extension (1) and Interest Rate Reduction Term Extension (1) and Other Than Insignificant Payment Delay Other than Insignificant Payment Delay and Interest Rate Reduction Amortized Cost Weighted Average Term Extension (Months) Weighted Average Interest Rate Reduction Amortized Cost Weighted Average Term Extension (Months) Weighted Average Payment Delay (Months) Amortized Cost Weighted Average Payment Delay (Months) Weighted Average Interest Rate Reduction Commercial Commercial construction $ — — — % $ — — — $ — — — % Owner occupied commercial mortgage — 36 2.00 — — — — — — Non-owner occupied commercial mortgage 40 12 3.00 — — — — — — Commercial and industrial 5 26 2.04 — 28 16 — — — Leases — — — — — — — — — Total commercial 45 13 2.90 — 28 16 — — — Consumer — — Residential mortgage 3 62 3.31 — — — 3 6 5.25 Revolving mortgage 1 57 2.92 — — — — — — Consumer auto — 31 0.69 — — — — — — Consumer other — 36 0.25 — — — — — — Total consumer 4 61 3.20 — — — 3 6 5.25 SVB Investor dependent - early stage — — — — 6 6 — — — Investor dependent - growth stage — — — — — — — — — Innovation C&I and cash flow dependent — — — 7 7 5 — — — Private Bank — — — — — — — — — CRE — — — — — — — — — Other — — — — 17 17 — — — Total SVB — — — 7 7 6 — — — Total loans and leases $ 49 18 2.93 % $ 7 8 6 $ 3 6 5.25 % dollars in millions Term Extension (1) , Interest Rate Reduction, and Other than Insignificant Payment Delay Total Amortized Cost Weighted Average Term Extension (Months) Weighted Average Interest Rate Reduction Weighted Average Payment Delay (Months) Amortized Cost Total as a % of Loan and Lease Class Commercial Commercial construction $ — — — % — $ 4 0.11 % Owner occupied commercial mortgage — — — — 19 0.12 Non-owner occupied commercial mortgage — — — — 280 2.43 Commercial and industrial — — — — 116 0.43 Leases — — — — — — Total commercial — — — — 419 0.70 Consumer — Residential mortgage — — — — 13 0.10 Revolving mortgage — — — — 3 0.13 Consumer auto — — — — — 0.01 Consumer other — — — — — 0.03 Total consumer — — — — 16 0.09 SVB Investor dependent - early stage 6 12 1.00 6 26 1.88 Investor dependent - growth stage — — — — 36 1.24 Innovation C&I and cash flow dependent — — — — 79 0.81 Private Bank — — — — 4 0.04 CRE — — — — 14 0.53 Other — — — — 5 0.16 Total SVB 6 12 1.00 6 164 0.30 Total loans and leases $ 6 12 1.00 % 6 $ 599 0.45 % (1) Term extensions include modifications in which the balloon principal payment was deferred to a later date or the loan amortization period was extended The following table presents amortized cost of TDRs: TDRs dollars in millions December 31, 2022 Accruing Non-Accruing Total Commercial Commercial construction $ 2 $ 1 $ 3 Owner occupied commercial mortgage 46 9 55 Non-owner occupied commercial mortgage 24 30 54 Commercial and industrial 26 8 34 Leases — 1 1 Total commercial 98 49 147 Consumer Residential mortgage 33 17 50 Revolving mortgage 17 5 22 Consumer auto 2 — 2 Consumer other — — — Total consumer 52 22 74 Total TDRs $ 150 $ 71 $ 221 The following table summarizes the loan restructurings during the year ended December 31, 2022 and 2021 that were designated as TDRs. BancShares defined payment default as movement of the TDR to nonaccrual status that was generally 90 days past due, in foreclosure or charge-off, whichever occurred first. Restructurings dollars in millions (except for number of loans) Year Ended December 31, 2022 2021 Number of Loans Amortized Cost at Period End Number of Loans Amortized Cost at Period End Loans and leases Interest only 17 $ 39 20 $ 18 Loan term extension 128 26 129 16 Below market rates 86 9 177 20 Discharge from bankruptcy 106 5 128 10 Total 337 $ 79 454 $ 64 TDR Defaults dollars in millions December 31, 2022 December 31, 2021 TDR Defaults $ 6 $ 8
Schedule of Loans Pledged as Collateral	The following table provides information regarding loans pledged as collateral for borrowing capacity through the FHLB of Atlanta, the FRB and FDIC as of December 31, 2023 and 2022. Loans Pledged dollars in millions December 31, 2023 December 31, 2022 FHLB of Atlanta Lendable collateral value of pledged non-PCD loans $ 15,072 $ 14,918 Less: Advances — 4,250 Less: Letters of Credit 1,450 1,450 Available borrowing capacity $ 13,622 $ 9,218 Pledged non-PCD loans (contractual balance) $ 25,370 $ 23,491 FRB Lendable collateral value of pledged non-PCD loans $ 5,115 $ 4,203 Less: Advances — — Available borrowing capacity $ 5,115 $ 4,203 Pledged non-PCD loans (contractual balance) $ 6,273 $ 5,697 FDIC Lendable collateral value of pledged loans $ 51,179 $ — Less: Advances — — Less: Purchase Money Note 36,072 — Available borrowing capacity $ 15,107 $ — Pledged loans (contractual balance) $ 51,179 $ —

Allowance for Loan and Lease _2

Allowance for Loan and Lease Losses (Tables)	12 Months Ended
	Dec. 31, 2023
Receivables [Abstract]
Schedule of Allowance for Loan and Lease Losses	The ALLL activity for loans and leases is summarized in the following table. Allowance for Loan and Lease Losses dollars in millions Year Ended December 31, 2023 Year Ended December 31, 2022 Commercial Consumer SVB Total Commercial Consumer SVB Total Balance at beginning of period $ 789 $ 133 $ — $ 922 $ 80 $ 98 $ — $ 178 Initial PCD ALLL — — 220 220 258 14 — 272 Day 2 provision for loan and lease losses — — 462 462 432 22 — 454 Provision (benefit) for loan and lease losses 541 27 135 703 101 (4) — 97 Total provision for loan and lease losses 541 27 597 1,165 533 18 — 551 Charge-offs (328) (28) (282) (638) (126) (20) — (146) Recoveries 44 14 20 78 44 23 — 67 Balance at end of period $ 1,046 $ 146 $ 555 $ 1,747 $ 789 $ 133 $ — $ 922 Year Ended December 31, 2021 Commercial Consumer SVB Total Balance at beginning of period $ 92 $ 133 $ — $ 225 Benefit for loan and lease losses (7) (30) — (37) Charge-offs (18) (18) — (36) Recoveries 13 13 — 26 Balance at end of period $ 80 $ 98 $ — $ 178 The following table presents the components of the provision for credit losses: Provision for Credit Losses dollars in millions Year Ended December 31, 2023 2022 2021 Day 2 provision for loan and lease losses $ 462 $ 454 $ — Provision (benefit) for loan and lease losses 703 97 (37) Total provision (benefit) for loan and lease losses 1,165 551 (37) Day 2 provision for off-balance sheet credit exposure 254 59 — (Benefit) provision for off-balance sheet credit exposure (44) 35 — Total provision for off-balance sheet credit exposure 210 94 — Benefit for investment securities available for sale credit losses — — — Provision (benefit) for credit losses $ 1,375 $ 645 $ (37)

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2023
Leases [Abstract]
Schedule of Operating and Finance Lease Assets and Liabilities	The following table presents supplemental balance sheet information and remaining weighted average lease terms and discount rates. Supplemental Lease Information dollars in millions Classification December 31, 2023 December 31, 2022 Lease assets: Operating lease ROU assets Other assets $ 354 $ 345 Finance leases Premises and equipment 9 7 Total lease assets $ 363 $ 352 Lease liabilities: Operating leases Other liabilities $ 396 $ 352 Finance leases Other borrowings 9 7 Total lease liabilities $ 405 $ 359 Weighted-average remaining lease terms: Operating leases 8.1 years 9.6 years Finance leases 15.4 years 4.1 years Weighted-average discount rate: Operating leases 2.70 % 2.19 % Finance leases 3.52 2.34
Schedule of Net Lease Cost	The following table presents components of lease cost: Components of Net Lease Cost dollars in millions Year Ended December 31, Classification 2023 2022 2021 Operating lease cost (1) Occupancy Expense $ 64 $ 58 $ 14 Finance lease ROU asset amortization Equipment expense 2 2 2 Variable lease cost (2) Occupancy Expense 25 12 3 Sublease income Occupancy Expense (3) (2) — Net lease cost (1), (2) $ 88 $ 70 $ 19 (1) In addition, approximately $34 million and $6 million related to subleases or closures of leased real estate were included in acquisition-related expenses in the Consolidated Statements of Income for the years ended December 31, 2023 and December 31, 2022, respectively. (2) Includes short-term lease cost, which is not significant.
Schedule of Supplemental Cash Flow Information	The following table presents supplemental cash flow information related to leases: Supplemental Cash Flow Information dollars in millions Year Ended December 31, 2023 2022 2021 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 63 $ 54 $ 13 Operating cash flows from finance leases — — — Financing cash flows from finance leases 2 2 2 ROU assets obtained in exchange for new operating lease liabilities (1) 69 19 7 ROU assets obtained in exchange for new finance lease liabilities 4 5 — (1) Net of lease modification events, which resulted in a decrease of $11 million in lease liabilities and ROU assets for the year ended December 31, 2023. Reductions for lease modifications were not significant for the year ended December 31, 2022.
Schedule of Operating Lease Liability Maturities	The following table presents lease liability maturities at December 31, 2023: Maturity of Lease Liabilities dollars in millions Operating Leases Finance Leases Total 2024 $ 65 $ 2 $ 67 2025 67 2 69 2026 62 2 64 2027 52 1 53 2028 38 — 38 Thereafter 155 6 161 Total undiscounted lease payments $ 439 $ 13 $ 452 Difference between undiscounted cash flows and discounted cash flows 43 4 47 Lease liabilities, at present value $ 396 $ 9 $ 405
Schedule of Finance Lease Liability Maturities	The following table presents lease liability maturities at December 31, 2023: Maturity of Lease Liabilities dollars in millions Operating Leases Finance Leases Total 2024 $ 65 $ 2 $ 67 2025 67 2 69 2026 62 2 64 2027 52 1 53 2028 38 — 38 Thereafter 155 6 161 Total undiscounted lease payments $ 439 $ 13 $ 452 Difference between undiscounted cash flows and discounted cash flows 43 4 47 Lease liabilities, at present value $ 396 $ 9 $ 405
Schedule of Net Book Value of Assets Subject to Leases	The following table provides the net book value of operating lease equipment (net of accumulated depreciation of $658 million at December 31, 2023 and $296 million at December 31, 2022) by equipment type. Operating Lease Equipment dollars in millions December 31, 2023 December 31, 2022 Railcars and locomotives (1) $ 7,966 $ 7,433 Other equipment 780 723 Total (1) $ 8,746 $ 8,156 (1) Includes off-lease rail equipment of $253 million at December 31, 2023 and $457 million at December 31, 2022.
Schedule of Net Investment In Finance Leases	The following table presents the components of the finance lease net investment on a discounted basis: Components of Net Investment in Finance Leases dollars in millions December 31, 2023 December 31, 2022 Lease receivables $ 1,780 $ 1,786 Unguaranteed residual assets 262 317 Total net investment in finance leases 2,042 2,103 Leveraged lease net investment (1) 13 68 Total $ 2,055 $ 2,171 (1) Leveraged leases are reported net of non-recourse debt of $5 million at December 31, 2023 and $11 million at December 31, 2022. Our leveraged lease arrangements commenced before the ASC 842, Leases, effective date of January 1, 2019, and continue to be reported under the leveraged lease accounting model. ASC 842 eliminated leveraged lease accounting for new leases and for existing leases modified on or after the standard’s effective date.
Schedule of Operating Lease Income	The table that follows presents lease income related to BancShares’ operating and finance leases: Lease Income dollars in millions Year Ended December 31, 2023 2022 2021 Lease income – Operating leases $ 895 $ 796 $ — Variable lease income – Operating leases (1) 76 68 — Rental income on operating leases 971 864 — Interest income - Sales type and direct financing leases 171 169 18 Variable lease income included in Other noninterest income (2) 59 51 — Interest income - Leveraged leases 12 20 — Total lease income $ 1,213 $ 1,104 $ 18 (1) Primarily includes per diem railcar operating lease rental income earned on a time or mileage usage basis. (2) Includes leased equipment property tax reimbursements due from customers of $17 million for the years ended December 31, 2023 and 2022, and revenue related to insurance coverage on leased equipment of $42 million and $33 million for the years ended December 31, 2023 and 2022, respectively. There was no revenue related to property tax reimbursements due from customers or insurance coverage on leased equipment during 2021.
Schedule of Maturity Analysis of Operating Lease Payments	The following tables present lease payments due on non-cancellable operating leases and lease receivables due on finance leases at December 31, 2023. Excluded from these tables are variable lease payments, including rentals calculated based on asset usage levels, rentals from future renewal and re-leasing activity, and expected sales proceeds from remarketing equipment at lease expiration, all of which are components of lease profitability. Maturity Analysis of Operating Lease Payments dollars in millions 2024 $ 786 2025 609 2026 449 2027 316 2028 189 Thereafter 408 Total $ 2,757
Schedule of Maturity Analysis of Sales-type and Direct Financing Leases	Maturity Analysis of Lease Receivable Payments - Sales Type and Direct Financing Leases dollars in millions 2024 $ 793 2025 579 2026 360 2027 198 2028 79 Thereafter 26 Total undiscounted lease receivables $ 2,035 Difference between undiscounted cash flows and discounted cash flows 255 Lease receivables, at present value $ 1,780

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2023
Property, Plant and Equipment [Abstract]
Schedule of Premises and Equipment	Major classifications of premises and equipment at December 31, 2023 and 2022 are summarized as follows: dollars in millions Useful Life (years) 2023 2022 Land indefinite $ 403 $ 352 Premises and leasehold improvements 3 - 30 1,609 1,458 Furniture, equipment and software 3 - 15 1,260 840 Total 3,272 2,650 Less accumulated depreciation and amortization 1,395 1,194 Premises and equipment, net $ 1,877 $ 1,456

Goodwill and Core Deposit Int_2

Goodwill and Core Deposit Intangibles (Tables)	12 Months Ended
	Dec. 31, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Core Deposit Intangible Assets	The following tables summarize the activity for core deposit intangibles during the year ended December 31, 2023 and 2022: Core Deposit Intangibles dollars in millions 2023 2022 Balance at January 1, net of accumulated amortization $ 140 $ 19 Core deposit intangibles related to the SVBB Acquisition 230 — Core deposit intangibles related to the CIT Merger — 143 Amortization for the period (58) (22) Balance at December 31, net of accumulated amortization $ 312 $ 140 The following tables summarize the accumulated amortization balance for core deposit intangibles at December 31, 2023 and 2022: Core Deposit Intangible Accumulated Amortization dollars in millions December 31, 2023 December 31, 2022 Gross balance $ 501 $ 271 Accumulated amortization (189) (131) Balance, net of accumulated amortization $ 312 $ 140
Schedule of Core Deposit Intangible Assets, Future Amortization Expense	The following table summarizes the expected amortization expense as of December 31, 2023 in subsequent periods for core deposit intangibles: Core Deposit Intangible Expected Amortization dollars in millions 2024 $ 63 2025 54 2026 46 2027 39 2028 34 Thereafter 76 Balance, net of accumulated amortization $ 312
Schedule of Finite-Lived Intangible Liabilities	The following tables summarize the activity for the intangible liability during the year ended December 31, 2023 and 2022: Intangible Liability dollars in millions 2023 2022 Balance at January 1 $ 36 $ — Acquired in CIT Merger — 52 Amortization (12) (16) Balance at December 31, net of accumulated amortization $ 24 $ 36 The following tables summarize the accumulated amortization balance for the intangible liability at December 31, 2023 and 2022: Intangible Liability Accumulated Amortization dollars in millions December 31, 2023 December 31, 2022 Gross balance $ 52 $ 52 Accumulated amortization (28) (16) Balance, net of accumulated amortization $ 24 $ 36
Schedule of Finite-Lived Intangible Liabilities, Future Amortization Expense	The following table summarizes the expected amortization as of December 31, 2023 in subsequent periods for the intangible liability: Intangible Liability dollars in millions 2024 $ 6 2025 4 2026 3 2027 2 2028 2 Thereafter 7 Total $ 24

Mortgage Servicing Rights (Tabl

Mortgage Servicing Rights (Tables)	12 Months Ended
	Dec. 31, 2023
Transfers and Servicing of Financial Assets [Abstract]
Schedule of Changes in Servicing Assets	The following table presents changes in the servicing asset during the year ended December 31, 2023, 2022 and 2021: Servicing Asset dollars in millions Year Ended December 31, 2023 2022 2021 Beginning balance $ 25 $ 23 $ 18 Servicing rights originated 4 4 11 Servicing rights obtained in CIT Merger — 3 — Amortization (4) (6) (9) Valuation allowance benefit — 1 3 Ending balance $ 25 $ 25 $ 23
Schedule of Activity in Servicing Asset Valuation Allowance	The following table presents the activity in the servicing asset valuation allowance: Servicing Asset Valuation Allowance dollars in millions Year Ended December 31, 2023 2022 2021 Beginning balance $ — $ 1 $ 4 Valuation allowance benefit — (1) (3) Ending balance $ — $ — $ 1
Schedule of Servicing Asset Key Economic Assumptions	MSRs valuations are performed using a pooling methodology where loans with similar risk characteristics are grouped together and evaluated using discounted cash flows to estimate the present value of future earnings. Key economic assumptions used to value MSRs were as follows: MSRs Valuation Assumptions December 31, 2023 December 31, 2022 Discount rate 10.20 % 9.62 % Weighted average constant prepayment rate 7.66 % 6.76 % Weighted average cost to service a loan $ 80 $ 81

Variable Interest Entities (Tab

Variable Interest Entities (Tables)	12 Months Ended
	Dec. 31, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Schedule of Variable Interest Entities	The table below provides a summary of the assets and liabilities included on the Consolidated Balance Sheets associated with unconsolidated VIEs. The table also presents our maximum exposure to loss which consists of outstanding book basis and unfunded commitments for future investments, and represents potential losses that would be incurred under hypothetical circumstances, such that the value of BancShares’ interests and any associated collateral declines to zero and assuming no recovery. BancShares believes the possibility is remote under this hypothetical scenario; accordingly, this disclosure is not an indication of expected loss. As disclosed in Note 2—Business Combinations, the following tables as of December 31, 2023 include VIEs acquired in the SVBB Acquisition. Unconsolidated VIEs Carrying Value dollars in millions December 31, 2023 December 31, 2022 Affordable housing tax credit investments $ 1,887 $ 598 Other tax credit equity investments 3 5 Total tax credit equity investments $ 1,890 $ 603 Other unconsolidated investments 162 159 Total assets (maximum loss exposure) (2) $ 2,052 $ 762 Liabilities for commitments to tax credit investments (3) $ 947 $ 295 (1) These investments provide tax benefits to investors in the form of tax deductions from operating losses and tax credits. During 2023, 2022, and 2021, BancShares recorded $169 million, $60 million, and $22 million, respectively, in tax provisions under the proportional amortization method. During 2023, 2022, and 2021, BancShares recognized total tax benefits of $176 million, $77 million, and $26 million, which included tax credits of $157 million, $60 million, and $22 million, respectively, recorded in income taxes. See Note 1 – Significant Accounting Policies and Basis of Presentation for additional information. (2) Included in other assets. (3) Represents commitments to invest in qualified affordable housing investments and other investments qualifying for community reinvestment tax credits. These commitments are payable on demand and are included in other liabilities.

Other Assets (Tables)

Other Assets (Tables)	12 Months Ended
	Dec. 31, 2023
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Schedule of Other Assets	The following table includes the components of other assets. The increases from December 31, 2022 primarily reflect other assets associated with the SVBB Acquisition, as described in Note 2—Business Combinations. Other Assets dollars in millions December 31, 2023 December 31, 2022 Affordable housing tax credit and other unconsolidated investments (1) $ 2,052 $ 762 Accrued interest receivable 832 329 Fair value of derivative financial instruments 640 159 Pension assets 474 343 Right of use assets for operating leases, net 354 345 Income tax receivable 209 275 Counterparty receivables 114 98 Bank-owned life insurance 105 586 Nonmarketable equity securities 103 58 Other real estate owned 58 47 Mortgage servicing rights 25 25 Federal Home Loan Bank stock 20 197 Other (2) 871 1,145 Total other assets $ 5,857 $ 4,369 (1) Refer to Note 10—Variable Interest Entities for additional information. (2) The balance at December 31, 2022 included $607 million related to bank-owned life insurance policies that were terminated, but not cash-settled. These items cash-settled during 2023.

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2023
Statistical Disclosure for Banks [Abstract]
Schedule of Deposit Liabilities Type	The following table provides detail on deposit types. Refer to Note 2—Business Combinations for discussion of the deposits assumed in the SVBB Acquisition. Deposit Types dollars in millions December 31, 2023 December 31, 2022 Noninterest-bearing demand $ 39,799 $ 24,922 Checking with interest 23,754 16,202 Money market 30,616 21,040 Savings 35,258 16,834 Time 16,427 10,410 Total deposits $ 145,854 $ 89,408
Schedule of Time Deposit Maturities	At December 31, 2023, the scheduled maturities of time deposits were: Deposit Maturities dollars in millions Twelve months ended December 31, 2024 $ 15,175 2025 1,126 2026 74 2027 34 2028 18 Thereafter — Total time deposits $ 16,427

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2023
Debt Disclosure [Abstract]
Schedule of Short-term Borrowings	Short-term borrowings at December 31, 2023 and 2022 include: dollars in millions December 31, 2023 December 31, 2022 Securities sold under customer repurchase agreements $ 485 $ 436 Notes payable to FHLB of Atlanta at overnight SOFR plus spreads ranging from 0.19% to 0.20%. — 1,750 Total short-term borrowings $ 485 $ 2,186
Schedule of Long-term Borrowings	Long-term borrowings at December 31, 2023 and 2022 include: Long-term Borrowings dollars in millions Maturity December 31, 2023 December 31, 2022 Parent Company: Subordinated: Fixed-to-Floating subordinated notes at 3.375% March 2030 $ 350 $ 350 Junior subordinated debentures at 3-month LIBOR plus 2.25% (FCB/SC Capital Trust II) (2) June 2034 20 20 Junior subordinated debentures at 3-month LIBOR plus 1.75% (FCB/NC Capital Trust III) June 2036 — 88 Subsidiaries: Senior: Senior unsecured fixed-to-floating rate notes at 3.929% June 2024 — 500 Senior unsecured fixed-to-floating rate notes at 2.969% September 2025 316 315 Fixed senior unsecured notes at 6.00% April 2036 51 51 Subordinated: Fixed subordinated notes at 6.125% March 2028 404 400 Fixed-to-Fixed subordinated notes at 4.125% November 2029 100 100 Junior subordinated debentures at 3-month LIBOR plus 2.80% (Macon Capital Trust I) March 2034 — 14 Junior subordinated debentures at 3-month LIBOR plus 2.85% (SCB Capital Trust I) (2) April 2034 10 10 Secured: Notes payable to FHLB of Atlanta at overnight SOFR plus spreads ranging from 0.24% to 0.34% Maturities through September 2025 — 2,500 Purchase Money Note to FDIC fixed at 3.50% (1) March 2028 36,072 — Other secured financings Maturities through January 2024 — 18 Capital lease obligations Maturities through May 2057 9 7 Unamortized issuance costs — (1) Unamortized purchase accounting adjustments (163) 87 Total long-term borrowings $ 37,169 $ 4,459 (1) Issued in connection with the SVBB Acquisition and secured by collateral as discussed below and in Note 2—Business Combinations. (2) As of December 31, 2023, debt holders had received notice of the debt calls, but funds to settle the calls had not been disbursed.
Schedule of Maturities of Long-term Debt	Contractual maturities of long-term borrowings (borrowings with original maturities of more than one year) at December 31, 2023 are included in the following table. Long-term Borrowings Maturities dollars in millions Year Ended December 31, (1) 2024 $ (34) 2025 282 2026 (38) 2027 (37) 2028 36,461 Thereafter 535 Total long-term borrowings $ 37,169 (1) Amounts in this table include amortization and accretion of purchase accounting adjustments based on the scheduled periods of recognition.

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Instruments, Offsetting Assets	The following table presents notional amounts and fair values of derivative financial instruments: Notional Amount and Fair Value of Derivative Financial Instruments dollars in millions December 31, 2023 December 31, 2022 Notional Amount Asset Fair Value Liability Fair Value Notional Amount Asset Fair Value Liability Fair Value Derivatives designated as hedging instruments (Qualifying hedges) Interest rate contracts – fair value hedges (1) (4) $ 815 $ — $ — $ — $ — $ — Derivatives not designated as hedging instruments (Non-qualifying hedges) Interest rate contracts (1) (4) $ 24,548 $ 530 $ (518) $ 18,173 $ 158 $ (482) Foreign exchange contracts (2) 9,142 104 (117) 125 1 (4) Other contracts (3) 983 6 (1) 507 — — Total derivatives not designated as hedging instruments $ 34,673 640 (636) $ 18,805 159 (486) Gross derivatives fair values presented in the Consolidated Balance Sheets 640 (636) 159 (486) Less: Gross amounts offset in the Consolidated Balance Sheets — — — — Net amount presented in other assets and other liabilities in the Consolidated Balance Sheets 640 (636) 159 (486) Less: Amounts subject to master netting agreements (5) (97) 97 (13) 13 Less: Cash collateral pledged (received) subject to master netting agreements (6) (405) 39 (124) — Total net derivative fair value $ 138 $ (500) $ 22 $ (473) (1) Fair value balances include accrued interest. (2) The foreign exchange contracts exclude foreign exchange spot contracts. The notional and net fair value amounts of these contracts were $179 million and $0 million, respectively, as of December 31, 2023, and $0 million for both notional and net fair value amounts as of December 31, 2022. (3) Other derivative contracts not designated as hedging instruments include risk participation agreements and equity warrants. (4) BancShares accounts for swap contracts cleared by the Chicago Mercantile Exchange and LCH Clearnet as “settled-to-market.” As a result, variation margin payments are characterized as settlement of the derivative exposure and variation margin balances are netted against the corresponding derivative mark-to-market balances. Gross amounts of recognized assets and liabilities were lowered by $66 million and $37 million, respectively, at December 31, 2023 which includes $4 million and $0 million relating to qualifying hedges, respectively. Gross amounts of recognized assets and liabilities were lowered by $376 million and $19 million, respectively at December 31, 2022. (5) BancShares’ derivative transactions are governed by International Swaps and Derivatives Association (“ISDA”) agreements that allow for net settlements of certain payments as well as offsetting of all contracts with a given counterparty in the event of bankruptcy or default of one of the two parties to the transaction. BancShares believes its ISDA agreements meet the definition of a master netting arrangement or similar agreement for purposes of the above disclosure. (6) In conjunction with the ISDA agreements described above, BancShares has entered into collateral arrangements with its counterparties, which provide for the exchange of cash depending on the change in the market valuation of the derivative contracts outstanding. Such collateral is available to be applied in settlement of the net balances upon an event of default of one of the counterparties. Collateral pledged or received is included in other assets or deposits, respectively.
Schedule of Derivative Instruments, Offsetting Liabilities	The following table presents notional amounts and fair values of derivative financial instruments: Notional Amount and Fair Value of Derivative Financial Instruments dollars in millions December 31, 2023 December 31, 2022 Notional Amount Asset Fair Value Liability Fair Value Notional Amount Asset Fair Value Liability Fair Value Derivatives designated as hedging instruments (Qualifying hedges) Interest rate contracts – fair value hedges (1) (4) $ 815 $ — $ — $ — $ — $ — Derivatives not designated as hedging instruments (Non-qualifying hedges) Interest rate contracts (1) (4) $ 24,548 $ 530 $ (518) $ 18,173 $ 158 $ (482) Foreign exchange contracts (2) 9,142 104 (117) 125 1 (4) Other contracts (3) 983 6 (1) 507 — — Total derivatives not designated as hedging instruments $ 34,673 640 (636) $ 18,805 159 (486) Gross derivatives fair values presented in the Consolidated Balance Sheets 640 (636) 159 (486) Less: Gross amounts offset in the Consolidated Balance Sheets — — — — Net amount presented in other assets and other liabilities in the Consolidated Balance Sheets 640 (636) 159 (486) Less: Amounts subject to master netting agreements (5) (97) 97 (13) 13 Less: Cash collateral pledged (received) subject to master netting agreements (6) (405) 39 (124) — Total net derivative fair value $ 138 $ (500) $ 22 $ (473) (1) Fair value balances include accrued interest. (2) The foreign exchange contracts exclude foreign exchange spot contracts. The notional and net fair value amounts of these contracts were $179 million and $0 million, respectively, as of December 31, 2023, and $0 million for both notional and net fair value amounts as of December 31, 2022. (3) Other derivative contracts not designated as hedging instruments include risk participation agreements and equity warrants. (4) BancShares accounts for swap contracts cleared by the Chicago Mercantile Exchange and LCH Clearnet as “settled-to-market.” As a result, variation margin payments are characterized as settlement of the derivative exposure and variation margin balances are netted against the corresponding derivative mark-to-market balances. Gross amounts of recognized assets and liabilities were lowered by $66 million and $37 million, respectively, at December 31, 2023 which includes $4 million and $0 million relating to qualifying hedges, respectively. Gross amounts of recognized assets and liabilities were lowered by $376 million and $19 million, respectively at December 31, 2022. (5) BancShares’ derivative transactions are governed by International Swaps and Derivatives Association (“ISDA”) agreements that allow for net settlements of certain payments as well as offsetting of all contracts with a given counterparty in the event of bankruptcy or default of one of the two parties to the transaction. BancShares believes its ISDA agreements meet the definition of a master netting arrangement or similar agreement for purposes of the above disclosure. (6) In conjunction with the ISDA agreements described above, BancShares has entered into collateral arrangements with its counterparties, which provide for the exchange of cash depending on the change in the market valuation of the derivative contracts outstanding. Such collateral is available to be applied in settlement of the net balances upon an event of default of one of the counterparties. Collateral pledged or received is included in other assets or deposits, respectively.
Schedule of Qualifying and Non-Qualifying Hedges	The following table represents the impact of fair value hedges on the Consolidated Statements of Income. Gains (Losses) on Qualifying Hedges dollars in millions Year Ended December 31, Amounts Recognized 2023 2022 2021 Recognized on derivatives Interest expense - borrowings $ 4 $ — $ — Recognized on hedged item Interest expense - borrowings (5) — — Total qualifying hedges - income statement impact $ (1) $ — $ — The following table presents the carrying value of hedged items and associated cumulative hedging adjustment related to fair value hedges. dollars in millions Cumulative Fair Value Hedging Adjustment Included in the Carrying Value of Hedged Items Carrying Value of Hedged Items Currently Designated No Longer Designated December 31, 2023 Long-term borrowings $ 879 $ 5 $ — December 31, 2022 Long-term borrowings $ — $ — $ — The following table presents gains of non-qualifying hedges recognized on the Consolidated Statements of Income. Gains (Losses) on Non-Qualifying Hedges dollars in millions Year Ended December 31, Amounts Recognized 2023 2022 2021 Interest rate contracts Other noninterest income $ 32 $ 12 $ — Foreign currency forward contracts Other noninterest income (8) 20 — Other contracts Other noninterest income 1 1 — Total non-qualifying hedges - income statement impact $ 25 $ 33 $ —

Other Liabilities (Tables)

Other Liabilities (Tables)	12 Months Ended
	Dec. 31, 2023
Other Liabilities Disclosure [Abstract]
Schedule of Other Liabilities	The following table includes the components of other liabilities. Refer to Note 2—Business Combinations for discussion of the other liabilities assumed in the SVBB Acquisition. Other Liabilities dollars in millions December 31, 2023 December 31, 2022 Deferred taxes (1) $ 3,579 $ 286 Commitments to fund tax credit investments 947 295 Incentive plan liabilities 676 267 Fair value of derivative financial instruments 636 486 Accrued expenses and accounts payable 397 275 Lease liabilities 396 352 Reserve for off-balance sheet credit exposure 316 106 Accrued interest payable 137 57 Other 822 464 Total other liabilities $ 7,906 $ 2,588 (1) Components of the deferred tax liability are detailed in Note 21 - Income Taxes.

Fair Value (Tables)

Fair Value (Tables)	12 Months Ended
	Dec. 31, 2023
Fair Value Disclosures [Abstract]
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis	The following table summarizes BancShares’ assets and liabilities measured at estimated fair value on a recurring basis: Assets and Liabilities Measured at Fair Value - Recurring Basis dollars in millions December 31, 2023 Total Level 1 Level 2 Level 3 Assets Investment securities available for sale U.S. Treasury $ 10,508 $ — $ 10,508 $ — Government agency 117 — 117 — Residential mortgage-backed securities 6,686 — 6,686 — Commercial mortgage-backed securities 2,131 — 2,131 — Corporate bonds 482 — 325 157 Municipal bonds 12 — 12 — Total investment securities available for sale $ 19,936 $ — $ 19,779 $ 157 Marketable equity securities 84 36 48 — Loans held for sale 38 — 38 — Derivative assets (1) Interest rate contracts — qualifying hedges $ — $ — $ — $ — Interest rate contracts — non-qualifying hedges $ 530 $ — $ 529 $ 1 Foreign exchange contracts — non-qualifying hedges 104 — 104 — Other derivative contracts — non-qualifying hedges 6 — — 6 Total non-qualifying hedge assets $ 640 $ — $ 633 $ 7 Total derivative assets $ 640 $ — $ 633 $ 7 Liabilities Derivative liabilities (1) Interest rate contracts — qualifying hedges $ — $ — $ — $ — Interest rate contracts — non-qualifying hedges $ 518 $ — $ 518 $ — Foreign exchange contracts — non-qualifying hedges 117 — 117 — Other derivative contracts — non-qualifying hedges 1 — — 1 Total non-qualifying hedge liabilities $ 636 $ — $ 635 $ 1 Total derivative liabilities $ 636 $ — $ 635 $ 1 December 31, 2022 Total Level 1 Level 2 Level 3 Assets Investment securities available for sale U.S. Treasury $ 1,898 $ — $ 1,898 $ — Government agency 162 — 162 — Residential mortgage-backed securities 4,795 — 4,795 — Commercial mortgage-backed securities 1,604 — 1,604 — Corporate bonds 536 — 362 174 Total investment securities available for sale $ 8,995 $ — $ 8,821 $ 174 Marketable equity securities 95 32 63 — Loans held for sale 4 — 4 — Derivative assets (1) Interest rate contracts — non-qualifying hedges $ 158 $ — $ 158 $ — Foreign exchange contracts — non-qualifying hedges 1 — 1 — Total derivative assets $ 159 $ — $ 159 $ — Liabilities Derivative liabilities (1) Interest rate contracts — non-qualifying hedges $ 482 $ — $ 482 $ — Foreign exchange contracts — non-qualifying hedges 4 — 4 — Total derivative liabilities $ 486 $ — $ 486 $ — (1)
Schedule of Fair Value Measurement Inputs and Valuation Techniques	The following tables summarize information about significant unobservable inputs related to BancShares’ categories of Level 3 financial assets and liabilities measured on a recurring basis: Quantitative Information About Level 3 Fair Value Measurements - Recurring Basis dollars in millions Financial Instrument Estimated Valuation Significant Unobservable Inputs December 31, 2023 Assets Corporate bonds $ 157 Indicative bid provided by broker Multiple factors, including but not limited to, current operations, financial condition, cash flows, and recently executed financing transactions related to the issuer. Interest rate & other derivative — non-qualifying hedges $ 7 Internal valuation model Multiple factors, including but not limited to, private company valuation, illiquidity discount, and estimated life of the instrument. Liabilities Interest rate & other derivative — non-qualifying hedges $ 1 Internal valuation model Not material December 31, 2022 Assets Corporate bonds $ 174 Indicative bid provided by broker Multiple factors, including but not limited to, current operations, financial condition, cash flows, and recently executed financing transactions related to the issuer.
Schedule of Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation	The following table summarizes the changes in estimated fair value for all assets and liabilities measured at estimated fair value on a recurring basis using significant unobservable inputs (Level 3): Changes in Estimated Fair Value of Level 3 Financial Assets and Liabilities - Recurring Basis dollars in millions Year Ended December 31, 2023 Year Ended December 31, 2022 Corporate Bonds Other Derivative Assets — Non-Qualifying Other Derivative Liabilities — Non-Qualifying Corporate Bonds Other Derivative Liabilities — Non-Qualifying Beginning balance $ 174 $ — $ — $ 207 $ — Purchases — 6 — — 1 Changes in FV included in earnings — 1 — — (1) Changes in FV included in comprehensive income (8) — — (19) — Transfers in — — 1 — — Transfers out — — — (14) — Maturity and settlements (9) — — — — Ending balance $ 157 $ 7 $ 1 $ 174 $ —
Schedule of Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation	The following table summarizes the changes in estimated fair value for all assets and liabilities measured at estimated fair value on a recurring basis using significant unobservable inputs (Level 3): Changes in Estimated Fair Value of Level 3 Financial Assets and Liabilities - Recurring Basis dollars in millions Year Ended December 31, 2023 Year Ended December 31, 2022 Corporate Bonds Other Derivative Assets — Non-Qualifying Other Derivative Liabilities — Non-Qualifying Corporate Bonds Other Derivative Liabilities — Non-Qualifying Beginning balance $ 174 $ — $ — $ 207 $ — Purchases — 6 — — 1 Changes in FV included in earnings — 1 — — (1) Changes in FV included in comprehensive income (8) — — (19) — Transfers in — — 1 — — Transfers out — — — (14) — Maturity and settlements (9) — — — — Ending balance $ 157 $ 7 $ 1 $ 174 $ —
Schedule of Fair Value Option	The following table summarizes the difference between the aggregate fair value and the UPB for residential mortgage loans originated for sale measured at fair value as of December 31, 2023 and 2022: Aggregate Fair Value and UPB - Residential Mortgage Loans dollars in millions December 31, 2023 Fair Value Unpaid Principal Balance Difference Originated loans held for sale $ 38 $ 37 $ 1 December 31, 2022 Fair Value Unpaid Principal Balance Difference Originated loans held for sale $ 4 $ 4 $ —
Schedule of Fair Value, Assets Measured on Nonrecurring Basis	The following table presents carrying value of assets measured at estimated fair value on a non-recurring basis for which gains and losses have been recorded in the periods. The gains and losses reflect amounts recorded for the respective periods, regardless of whether the asset is still held at period end. Assets Measured at Fair Value - Non-recurring Basis dollars in millions Fair Value Measurements Total Level 1 Level 2 Level 3 Total Gains (Losses) December 31, 2023 Assets held for sale - loans $ 12 $ — $ — $ 12 $ (4) Loans - collateral dependent loans 265 — — 265 (131) Other real estate owned 16 — — 16 4 Total $ 293 $ — $ — $ 293 $ (131) December 31, 2022 Assets held for sale - loans $ 23 $ — $ — $ 23 $ (1) Loans - collateral dependent loans 149 — — 149 (24) Other real estate owned 43 — — 43 14 Mortgage servicing rights — — — — 1 Total $ 215 $ — $ — $ 215 $ (10)
Schedule of Carrying Values and Estimated Fair Values for Financial Instruments	The table below presents the carrying values and estimated fair values for financial instruments, excluding leases and certain other assets and liabilities for which these disclosures are not required. Carrying Values and Fair Values of Financial Assets and Liabilities dollars in millions December 31, 2023 Estimated Fair Value Carrying Value Level 1 Level 2 Level 3 Total Financial Assets Cash and due from banks $ 908 $ 908 $ — $ — $ 908 Interest-earning deposits at banks 33,609 33,609 — — 33,609 Securities purchased under agreements to resell 473 — 473 — 473 Investment in marketable equity securities 84 36 48 — 84 Investment securities available for sale 19,936 — 19,779 157 19,936 Investment securities held to maturity 9,979 — 8,503 — 8,503 Loans held for sale 73 — 38 35 73 Net loans 129,545 — 1,479 125,217 126,696 Accrued interest receivable 832 — 832 — 832 Federal Home Loan Bank stock 20 — 20 — 20 Mortgage servicing rights 25 — — 42 42 Derivative assets - qualifying hedges — — — — — Derivative assets - non-qualifying hedges 640 — 633 7 640 Financial Liabilities Deposits with no stated maturity 129,427 — 129,427 — 129,427 Time deposits 16,427 — 16,416 — 16,416 Credit balances of factoring clients 1,089 — — 1,089 1,089 Securities sold under customer repurchase agreements 485 — 485 — 485 Long-term borrowings 37,160 — 36,816 — 36,816 Accrued interest payable 137 — 137 — 137 Derivative liabilities - qualifying hedges — — — — — Derivative liabilities - non-qualifying hedges 636 — 635 1 636 December 31, 2022 Estimated Fair Value Carrying Value Level 1 Level 2 Level 3 Total Financial Assets Cash and due from banks $ 518 $ 518 $ — $ — $ 518 Interest-earning deposits at banks 5,025 5,025 — — 5,025 Investment in marketable equity securities 95 32 63 — 95 Investment securities available for sale 8,995 — 8,821 174 8,995 Investment securities held to maturity 10,279 — 8,795 — 8,795 Loans held for sale 52 — 4 45 49 Net loans 67,720 — 1,679 62,633 64,312 Accrued interest receivable 329 — 329 — 329 Federal Home Loan Bank stock 197 — 197 — 197 Mortgage servicing rights 25 — — 47 47 Derivative assets - non-qualifying hedges 159 — 159 — 159 Financial Liabilities Deposits with no stated maturity 78,798 — 78,798 — 78,798 Time deposits 10,610 — 10,504 — 10,504 Credit balances of factoring clients 995 — — 995 995 Securities sold under customer repurchase agreements 436 — 436 — 436 Other short-term borrowings 1,750 — 1,750 — 1,750 Long-term borrowings 4,452 — 4,312 18 4,330 Accrued interest payable 57 — 57 — 57 Derivative liabilities - non-qualifying hedges 486 — 486 — 486

Stockholders' Equity (Tables)

Stockholders' Equity (Tables)	12 Months Ended
	Dec. 31, 2023
Equity [Abstract]
Schedule of Common Stock Outstanding Roll Forward	A roll forward of common stock activity is presented in the following table: Number of Shares of Common Stock December 31, 2023 December 31, 2022 Outstanding Outstanding Class A Class B Class A Class B Common stock - beginning of period 13,501,017 1,005,185 8,811,220 1,005,185 Common stock issuance - CIT Merger — — 6,140,010 — Restricted stock units vested, net of shares held to cover taxes 13,916 — 49,787 — Shares purchased under authorized repurchase plan — — (1,500,000) — Common stock - end of period 13,514,933 1,005,185 13,501,017 1,005,185
Schedule of Preferred Stock and Depositary Shares	The following table summarizes BancShares’ non-cumulative perpetual preferred stock. Preferred Stock dollars in millions, except per share and par value data Preferred Stock Issuance Date Earliest Redemption Date Par Value Shares Authorized, Issued and Outstanding Liquidation Preference Per Share Total Liquidation Preference Dividend Series A March 12, 2020 March 15, 2025 $ 0.01 345,000 $ 1,000 $ 345 5.375% Series B (1) January 3, 2022 January 4, 2027 0.01 325,000 1,000 325 SOFR + 3.972% Series C January 3, 2022 January 4, 2027 0.01 8,000,000 25 200 5.625% (1) Beginning July 1, 2023, BancShares moved to Term SOFR plus a credit spread adjustment for its Series B Preferred Stock. The final dividend payment based on LIBOR occurred September 15, 2023.

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive (Loss) Income (Tables)	12 Months Ended
	Dec. 31, 2023
Equity [Abstract]
Schedule of Accumulated Other Comprehensive (Loss) Income	The following table details the components of Accumulated Other Comprehensive (Loss) Income (“AOCI”): Components of Accumulated Other Comprehensive (Loss) Income dollars in millions December 31, 2023 December 31, 2022 Pretax Income Net of Income Taxes Pretax Income Net of Income Taxes Unrealized loss on securities available for sale $ (752) $ 175 $ (577) $ (972) $ 233 $ (739) Unrealized loss on securities available for sale transferred to held to maturity (7) 2 (5) (8) 2 (6) Defined benefit pension items 122 (31) 91 13 (3) 10 Total accumulated other comprehensive loss $ (637) $ 146 $ (491) $ (967) $ 232 $ (735) The following table details the changes in the components of AOCI, net of income taxes: Changes in Accumulated Other Comprehensive (Loss) Income by Component dollars in millions Unrealized (loss) gain on securities available for sale Unrealized (loss) gain on securities available for sale transferred to held to maturity Net change in defined benefit pension items Total accumulated other comprehensive (loss) income Balance as of December 31, 2022 $ (739) $ (6) $ 10 $ (735) AOCI activity before reclassifications 143 — 81 224 Amounts reclassified from AOCI to earnings 19 1 — 20 Other comprehensive (loss) income for the period 162 1 81 244 Balance as of December 31, 2023 $ (577) $ (5) $ 91 $ (491) Balance as of December 31, 2021 $ (9) $ (7) $ 26 $ 10 AOCI activity before reclassifications (730) — (25) (755) Amounts reclassified from AOCI to earnings — 1 9 10 Other comprehensive (loss) income for the period (730) 1 (16) (745) Balance as of December 31, 2022 $ (739) $ (6) $ 10 $ (735) Other Comprehensive Income (Loss) by Component dollars in millions Year Ended December 31, 2023 2022 Pretax Income Net of Income Taxes Pretax Income Net of Income Taxes Income Statement Line Items Unrealized gain (loss) on securities available for sale: AOCI activity before reclassifications $ 194 $ (51) $ 143 $ (960) $ 230 $ (730) Amounts reclassified from AOCI to earnings 26 (7) 19 — — — $26 million realized loss on sales of investment securities available for sale Other comprehensive income (loss) on securities available for sale $ 220 $ (58) $ 162 $ (960) $ 230 $ (730) Unrealized loss on securities available for sale transferred to held to maturity: AOCI activity before reclassifications $ — $ — $ — $ — $ — $ — Amounts reclassified from AOCI to earnings 1 — 1 1 — 1 Interest on investment securities Other comprehensive income on securities available for sale transferred to held to maturity $ 1 $ — $ 1 $ 1 $ — $ 1 Defined benefit pension items: Actuarial gain (loss) $ 109 $ (28) $ 81 $ (33) $ 8 $ (25) Amounts reclassified from AOCI to earnings — — — 12 (3) 9 Other noninterest expense Other comprehensive income (loss) for defined benefit pension items $ 109 $ (28) $ 81 $ (21) $ 5 $ (16) Total other comprehensive income (loss) $ 330 $ (86) $ 244 $ (980) $ 235 $ (745)

Regulatory Capital (Tables)

Regulatory Capital (Tables)	12 Months Ended
	Dec. 31, 2023
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Schedule of Compliance with Regulatory Capital Requirements	The following table includes the Basel III requirements for regulatory capital ratios. Basel III Minimums Basel III Conservation Buffers Basel III Requirements Regulatory capital ratios Total risk-based capital 8.00 % 2.50 % 10.50 % Tier 1 risk-based capital 6.00 2.50 8.50 Common equity Tier 1 4.50 2.50 7.00 Tier 1 leverage 4.00 — 4.00 dollars in millions December 31, 2023 December 31, 2022 Basel III Requirements PCA well capitalized thresholds Amount Ratio Amount Ratio BancShares Total risk-based capital 10.50 % 10.00 % $ 23,891 15.75 % $ 11,799 13.18 % Tier 1 risk-based capital 8.50 8.00 21,150 13.94 9,902 11.06 Common equity Tier 1 7.00 6.50 20,270 13.36 9,021 10.08 Tier 1 leverage 4.00 5.00 21,150 9.83 9,902 8.99 FCB Total risk-based capital 10.50 % 10.00 % $ 23,600 15.56 % $ 11,627 12.99 % Tier 1 risk-based capital 8.50 8.00 21,227 13.99 10,186 11.38 Common equity Tier 1 7.00 6.50 21,227 13.99 10,186 11.38 Tier 1 leverage 4.00 5.00 21,227 9.88 10,186 9.25

Earnings Per Common Share (Tabl

Earnings Per Common Share (Tables)	12 Months Ended
	Dec. 31, 2023
Earnings Per Share [Abstract]
Schedule of Computation of Basic and Diluted Earnings Per Common Share	The following table sets forth the computation of the basic and diluted earnings per common share: Earnings per Common Share dollars in millions, except per share data Year Ended December 31, 2023 2022 2021 Net income $ 11,466 $ 1,098 $ 547 Preferred stock dividends 59 50 18 Net income available to common stockholders $ 11,407 $ 1,048 $ 529 Weighted average common shares outstanding Basic shares outstanding 14,527,902 15,531,924 9,816,405 Stock-based awards 11,711 18,020 — Diluted shares outstanding 14,539,613 15,549,944 9,816,405 Earnings per common share Basic $ 785.14 $ 67.47 $ 53.88 Diluted $ 784.51 $ 67.40 $ 53.88

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2023
Income Tax Disclosure [Abstract]
Schedule of Components of Income Tax Expense	The provision (benefit) for income taxes for the year ended December 31, 2023, 2022 and 2021 is comprised of the following: Provision (Benefit) for Income Taxes dollars in millions Year ended December 31 2023 2022 2021 Current U.S. federal income tax provision $ 400 $ 58 $ 140 Deferred U.S. federal income tax provision / (benefit) 46 170 (6) Total federal income tax provision 446 228 134 Current state and local income tax provision 372 4 21 Deferred state and local income tax (benefit) / provision (222) 23 (1) Total state and local income tax provision 150 27 20 Total non-U.S. income tax provision 15 9 — Total provision for income taxes $ 611 $ 264 $ 154
Schedule of Effective Income Tax Rate Reconciliation	A reconciliation from the U.S. Federal statutory rate to BancShares’ actual effective income tax rate for the year ended December 31, 2023, 2022 and 2021 is presented below. Income tax expense (benefit) includes, if applicable, federal, state and foreign taxes. Percentage of Pretax Income dollars in millions Effective Tax Rate 2023 2022 2021 Pretax Income Income Tax Expense (Benefit) Percentage of Pretax Income Pretax Income Income Tax Expense (Benefit) Percentage of Pretax Income Pretax Income Income Tax Expense (Benefit) Percentage of Pretax Income Federal income taxes and rate $ 12,077 $ 2,536 21.0 % $ 1,362 $ 286 21.0 % $ 701 $ 147 21.0 % Increase (decrease) due to: State and local income taxes, net of federal income tax benefit 804 6.7 % 53 3.9 % 16 2.2 % Gain on acquisition (2,703) (22.4) % (105) (7.7) % — — % Domestic tax credits (26) (0.2) % (20) (1.5) % (5) (0.7) % Effect of BOLI surrender (1) — — % 48 3.5 % — — % Deferred tax liability adjustment 11 0.1 % (8) (0.6) % — — % Difference in tax rates applicable to non-U.S. earnings 1 — % 1 0.1 % — — % Repayment of claim of right income — — % — — % (2) (0.3) % Valuation allowances (40) (0.3) % (5) (0.4) % — — % Other 28 0.2 % 14 1.1 % (2) (0.2) % Provision for income taxes and effective tax rate $ 611 5.1 % $ 264 19.4 % $ 154 22.0 % (1) Includes penalty taxes.
Schedule of Components of Deferred Tax Assets and Liabilities	The tax effects of temporary differences that give rise to deferred income tax assets and liabilities at December 31, 2023 and 2022 are presented below: Components of Deferred Income Tax Assets and Liabilities dollars in millions 2023 2022 Deferred Tax Assets: Net operating loss carry forwards $ 118 $ 358 Basis difference in loans — 57 Allowance for loan and lease losses 542 252 Accrued liabilities and reserves 104 37 Deferred compensation 152 51 Lease liabilities 115 92 Domestic tax credits 21 176 Mark to market adjustments 21 28 Capitalized costs 75 15 Net unrealized loss on investment securities available for sale 235 275 Other 42 48 Total gross deferred tax assets 1,425 1,389 Deferred Tax Liabilities: Operating leases (1,729) (1,311) Basis difference in loans (2,598) — Right of use assets for operating leases (110) (86) Loans and direct financing leases (260) (43) Deferred BOLI gain — (15) Intangibles (56) (5) Nonmarketable equity securities (14) (9) Fixed assets (17) (6) Pension assets (110) (54) Prepaid expenses (14) (14) Market discount accretion (33) (35) Other (35) (27) Total deferred tax liabilities (4,976) (1,605) Total net deferred tax liability before valuation allowances (3,551) (216) Less: valuation allowances (28) (70) Net deferred tax liability after valuation allowances $ (3,579) $ (286)
Schedule of Unrecognized Tax Benefits	A reconciliation of the beginning and ending amount of unrecognized tax benefits ("UTBs") is as follows: Unrecognized Tax Benefits (1) December 31, 2023 December 31, 2022 dollars in millions Liabilities for Unrecognized Tax Benefits Interest / Penalties Total Total Balance at beginning of period $ 27 $ 3 $ 30 $ 31 Effect of CIT Merger — — — 6 Additions for tax positions related to prior years 4 1 5 1 Reductions for tax positions of prior years — — — (2) Expiration of statutes of limitations (2) — (2) (1) Settlements (1) (1) (2) (5) Balance at end of period $ 28 $ 3 $ 31 $ 30 (1) Tabular rollforward does not present the comparable data for 2021, as activity for that year was not material.
Summary of Income Tax Audits	The table below presents the earliest tax years that remain subject to examination by major jurisdiction. Jurisdiction December 31, 2023 U.S. Federal 2020 New York State and City 2015 North Carolina 2019 California 2017 Canada 2016

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2023
Retirement Benefits [Abstract]
Schedule of Changes in Projected Benefit Obligations, Plan Assets And Funded Status	The following table provides the changes in benefit obligations, assets and the funded status of the Plans at December 31, 2023 and 2022. Obligations and Funded Status Retirement Plans Postretirement Plans (dollars in millions) 2023 2022 2023 2022 Change in benefit obligation Projected benefit obligation at January 1 $ 1,115 $ 1,056 $ — $ — Projected benefit obligation of acquired plans — 389 — 28 Service cost 9 14 — — Interest cost 61 43 — — Actuarial loss (gain) 50 (324) — — Benefits paid (66) (63) — (1) Plan termination — — — (27) Projected benefit obligation at December 31 1,169 1,115 — — Change in plan assets Fair value of plan assets at January 1 1,404 1,345 — — Fair value of plan assets of acquired plans — 386 — — Actual return (loss) on plan assets 245 (270) — — Employer contributions 6 — — — Benefits paid (66) (57) — — Fair value of plan assets at December 31 1,589 1,404 — — Funded status at December 31 $ 420 $ 289 $ — $ — Information for Retirement Plans with a benefit obligation in excess of plan assets Projected and accumulated benefit obligations $ 54 $ 54 $ — $ — Reported in Consolidated Balance Sheets Funded Pension Plans (other assets) 474 343 — — Unfunded Supplemental and Executive Retirement Plans (other liabilities) (54) (54) — — Net funded status of Retirement Plans $ 420 $ 289 $ — $ —
Schedule of Amounts Recognized in Accumulated Other Comprehensive Income	The following table details the amounts recognized in accumulated other comprehensive income, before income taxes, at December 31, 2023 and 2022. See Note 18—Accumulated Other Comprehensive (Loss) Income for additional information. Retirement Plans Postretirement Plans (dollars in millions) 2023 2022 2023 2022 Net actuarial gain $ 122 $ 13 $ — $ —
Schedule of Net Benefit Costs	The following table shows the components of periodic benefit cost related to the Plans and changes in assets and benefit obligations of the Plans recognized in other comprehensive income, before income taxes, for the years ended December 31, 2023, 2022 and 2021. See Note 18—Accumulated Other Comprehensive (Loss) Income for additional information. Net Periodic Benefit Costs and Other Amounts Retirement Plans Postretirement Plans Year ended December 31 Year ended December 31 (dollars in millions) 2023 2022 2021 2023 2022 Service cost $ 9 $ 14 $ 15 $ — $ — Interest cost 61 43 30 — — Expected return on assets (85) (87) (78) — — Net prior service credit amortization — — — — (27) Amortization of net actuarial loss — 12 27 — — Total net periodic benefit (15) (18) (6) — (27) Current year actuarial (gain) loss (109) 33 (98) — — Amortization of actuarial loss — (12) (27) — — Current year amortization of prior service cost — — — — 27 Amortization of prior service cost — — — — (27) Net (gain) loss recognized in other comprehensive income (109) 21 (125) — — Total recognized in net periodic benefit cost and other comprehensive income $ (124) $ 3 $ (131) $ — $ (27)
Schedule of Defined Benefit Plan Assumptions	The assumptions used to determine the benefit obligations at December 31, 2023 and 2022 are as follows: Weighted Average Assumptions Retirement Plans Postretirement Plans 2023 2022 2023 2022 Discount rate 5.17 % 5.57 % N/A N/A Rate of compensation increase 5.60 5.60 N/A N/A Interest crediting rate (1) 4.00 4.25 N/A N/A (1) Specific to cash investments in the CIT Pension Plan. The assumptions used to determine the net periodic benefit cost for the years ended December 31, 2023, 2022 and 2021, are as follows: Weighted Average Assumptions Retirement Plans Postretirement Plans 2023 2022 2021 2023 2022 Discount rate 5.57 % 3.03 % 2.76 % 4.56 % 3.02 % Rate of compensation increase 5.60 5.60 5.60 N/A N/A Expected long-term return on plan assets 6.14 5.87 7.50 N/A N/A Interest crediting rate (1) 4.25 1.50 N/A N/A N/A (1) Specific to cash investments in the CIT Pension Plan.
Schedule of Fair Value and Allocation of Plan Assets	The following tables summarize the fair values and fair value hierarchy for the assets of the Pension Plans at December 31, 2023 and 2022. Fair Value Measurements December 31, 2023 dollars in millions Market Value Level 1 Level 2 Level 3 Not Classified (1) Weighted Average Target Allocation Pension Plans Actual % Cash and equivalents $ 31 $ 31 $ — $ — $ — —% - 5% 2 % Equity securities 25% - 65% 45 % Common and preferred stock 134 134 — — — Mutual funds 126 126 — — — Exchange traded funds 459 459 — — — Fixed income 30% - 65% 50 % U.S. government and government agency securities 17 — 17 — — Corporate bonds 15 — 15 — — Exchange traded funds 13 13 — — — Collective investment funds (fixed income) 753 — — — 753 Alternative investments —% - 30% 3 % Limited partnerships 41 — — — 41 Total pension assets $ 1,589 $ 763 $ 32 $ — $ 794 100 % December 31, 2022 Market Value Level 1 Level 2 Level 3 Not Classified (1) Weighted Average Target Allocation Pension Plans Actual % Cash and equivalents $ 25 $ 25 $ — $ — $ — —% - 5% 2 % Equity securities 25% - 60% 46 % Common and preferred stock 88 88 — — — Mutual funds 181 181 — — — Exchange traded funds 376 376 — — — Fixed income 25% - 60% 31 % U.S. government and government agency securities 198 — 198 — — Corporate bonds 233 — 233 — — Alternative investments —% - 30% 21 % Common collective trust, measured at NAV 302 — — — 302 Limited partnerships 1 — — — 1 Total pension assets $ 1,404 $ 670 $ 431 $ — $ 303 100 % (1) These investments have been measured using the net asset value per share practical expedient and are not required to be classified in the above tables.
Schedule of Expected Benefit Payments	The following table presents estimated future benefits projected to be paid for the next ten years from the Pension Plans’ assets or from BancShares’ general assets calculated using current actuarial assumptions. Actual benefit payments may differ from projected benefit payments. Projected Benefits dollars in millions Retirement Plans 2024 $ 78 2025 81 2026 83 2027 87 2028 88 2029-2033 426
Schedule of Accrued Liabilities	The following table provides the accrued liability as of December 31, 2023 and 2022, and the changes in the accrued liability during the years then ended: dollars in millions 2023 2022 Accrued liability as of January 1 $ 36 $ 39 Accrued liability of acquired banks — 2 Discount rate adjustment — (2) Benefit expense and interest cost 2 2 Benefits paid (4) (5) Benefits forfeited — — Accrued liability as of December 31 $ 34 $ 36 Discount rate at December 31 5.09 % 4.67 %
Schedule of Nonvested Restricted Stock Units Activity	The following table presents the unvested BancShares RSUs at December 31, 2023 and 2022, which have vesting periods through 2024. There were no grants of stock-based compensation awards during 2023 or 2022. The fair value of RSUs that vested and settled in stock during 2023 and 2022 were $16 million and $64 million, respectively. Stock-Settled Awards Outstanding Stock-Settled Awards share amounts in whole dollars Number of Shares Weighted Average Grant Date Value (1) December 31, 2023 Unvested at beginning of period 42,989 $ 859.76 Forfeited / cancelled (643) 859.76 Vested / settled awards (22,091) 859.76 Unvested at end of period 20,255 $ 859.76 December 31, 2022 Unvested at beginning of period — $ — Unvested CIT RSUs converted to BancShares RSUs at Merger Date 116,958 859.76 Unvested CIT PSUs converted to RSUs at Merger Date 10,678 859.76 Forfeited / cancelled (5,194) 859.76 Vested / settled awards (79,453) 859.76 Unvested at end of period 42,989 $ 859.76 (1) Represents the share price of BancShares as of the CIT Merger Date.

Business Segment Information (T

Business Segment Information (Tables)	12 Months Ended
	Dec. 31, 2023
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment	The following table presents the condensed income statement by segment: Year Ended December 31, 2023 General Banking Commercial Banking Silicon Valley Banking Rail Corporate Total BancShares Net interest income (expense) $ 2,433 $ 1,015 $ 1,946 $ (143) $ 1,461 $ 6,712 Provision for credit losses 71 517 71 — 716 1,375 Net interest income (expense) after provision for credit losses 2,362 498 1,875 (143) 745 5,337 Noninterest income 490 559 478 746 9,802 12,075 Noninterest expense 1,607 823 1,642 481 782 5,335 Income before income taxes 1,245 234 711 122 9,765 12,077 Income tax expense (benefit) 336 69 181 32 (7) 611 Net income $ 909 $ 165 $ 530 $ 90 $ 9,772 $ 11,466 Select Period End Balances Total assets $ 50,179 $ 31,826 $ 56,190 $ 8,199 $ 67,364 $ 213,758 Loans and leases 47,330 30,936 55,013 23 — 133,302 Operating lease equipment, net — 780 — 7,966 — 8,746 Deposits 102,647 3,228 38,477 13 1,489 145,854 Year Ended December 31, 2022 General Banking Commercial Banking Silicon Valley Banking Rail Corporate Total BancShares Net interest income (expense) $ 1,947 $ 884 $ — $ (80) $ 195 $ 2,946 Provision for credit losses 11 121 — — 513 645 Net interest income (expense) after provision for credit losses 1,936 763 — (80) (318) 2,301 Noninterest income 482 517 — 657 480 2,136 Noninterest expense 1,542 744 — 428 361 3,075 Income (loss) before income taxes 876 536 — 149 (199) 1,362 Income tax expense (benefit) 214 128 — 37 (115) 264 Net income (loss) $ 662 $ 408 $ — $ 112 $ (84) $ 1,098 Select Period End Balances Total assets $ 45,802 $ 28,235 $ — $ 7,647 $ 27,614 $ 109,298 Loans and leases 43,212 27,491 — 78 — 70,781 Operating lease equipment, net — 723 — 7,433 — 8,156 Deposits 84,369 3,219 — 15 1,805 89,408 Year Ended December 31, 2021 General Banking Commercial Banking Silicon Valley Banking Rail Corporate Total BancShares Net interest income (expense) $ 1,447 $ 17 $ — $ — $ (74) $ 1,390 Benefit for credit losses (37) — — — — (37) Net interest income (expense) after provision for credit losses 1,484 17 — — (74) 1,427 Noninterest income 433 — — — 75 508 Noninterest expense 1,179 3 — — 52 1,234 Income (loss) before income taxes 738 14 — — (51) 701 Income tax expense (benefit) 162 3 — — (11) 154 Net income (loss) $ 576 $ 11 $ — $ — $ (40) $ 547 Select Period End Balances Total assets $ 33,848 $ 552 $ — $ — $ 23,909 $ 58,309 Loans and leases 31,820 552 — — — 32,372 Deposits 51,344 62 — — — 51,406

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2023
Commitments and Contingencies Disclosure [Abstract]
Schedule of Fair Value, Off-balance Sheet Risks	The accompanying table summarizes credit-related commitments and other purchase and funding commitments: dollars in millions December 31, 2023 December 31, 2022 Financing Commitments Financing assets (excluding leases) $ 57,567 $ 23,452 Letters of Credit Standby letters of credit 2,412 436 Other letters of credit 103 44 Deferred Purchase Agreements 2,076 2,039 Purchase and Funding Commitments (1) 685 941 (1) BancShares’ purchase and funding commitments relate to the equipment leasing businesses’ commitments to fund Rail’s railcar manufacturer purchase and upgrade commitments.

Certain Relationships and Rel_2

Certain Relationships and Related Transactions (Tables)	12 Months Ended
	Dec. 31, 2023
Related Party Transactions [Abstract]
Schedule of Related Party Transactions	For those identified as Related Persons as of December 31, 2023, the following table provides an analysis of changes in the loans outstanding during 2023 and 2022: Year ended December 31 dollars in thousands 2023 2022 Balance at January 1 $ 171 $ 122 New loans 1,657 61 Repayments (59) (12) Balance at December 31 $ 1,769 $ 171

Parent Company Financial Stat_2

Parent Company Financial Statements (Tables)	12 Months Ended
	Dec. 31, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Condensed Balance Sheet	Parent Company Condensed Balance Sheets dollars in millions December 31, 2023 December 31, 2022 Assets Cash and due from banks $ 200 $ 119 Interest-earning deposits at banks 5 3 Investment in marketable equity securities 82 93 Investment in banking subsidiary 21,324 9,935 Investment in other subsidiaries 50 34 Other assets 60 48 Total assets $ 21,721 $ 10,232 Liabilities and Stockholders' Equity Subordinated debt $ 367 $ 454 Borrowings due to banking subsidiary 45 60 Other liabilities 54 56 Total liabilities 466 570 Stockholders’ equity 21,255 9,662 Total liabilities and stockholders’ equity $ 21,721 $ 10,232
Schedule of Condensed Statements of Income	Parent Company Condensed Statements of Income Year ended December 31 dollars in millions 2023 2022 2021 Income Dividends from banking subsidiary $ 367 $ 1,410 $ 173 Other (loss) income (8) (2) 36 Total income 359 1,408 209 Expenses Interest expense 22 19 17 Other expenses 40 26 11 Total expenses 62 45 28 Income before income taxes and equity in undistributed net income of subsidiaries 297 1,363 181 Income tax (benefit) expense (14) 44 2 Income before equity in undistributed net income of subsidiaries 311 1,319 179 Equity in undistributed (distributed) net income of subsidiaries 11,155 (221) 368 Net income 11,466 1,098 547 Preferred stock dividends 59 50 18 Net income available to common stockholders $ 11,407 $ 1,048 $ 529
Schedule of Condensed Statements of Cash Flows	Parent Company Condensed Statements of Cash Flows Year ended December 31 dollars in millions 2023 2022 2021 OPERATING ACTIVITIES Net income $ 11,466 $ 1,098 $ 547 Adjustments to reconcile net income to cash provided by operating activities: (Undistributed) distributed net income of subsidiaries (11,155) 221 (368) Deferred tax expense (5) 48 — Net amortization of premiums and discounts — 1 1 Fair value adjustment on marketable equity securities, net 11 6 (34) Stock based compensation expense 5 19 — Net change in due to or from subsidiaries — — 4 Net change in other assets (17) (3) 7 Net change in other liabilities 3 (2) 3 Net cash provided by operating activities 308 1,388 160 INVESTING ACTIVITIES Net (increase) decrease in interest-earning deposits at banks (2) 3 (4) Purchase of marketable equity securities — — (2) Proceeds from sales of marketable equity securities — — 30 Proceeds from sales, calls, and maturities of investment securities — — 2 Net cash paid in acquisition — (51) — Net cash (used in) provided by investing activities (2) (48) 26 FINANCING ACTIVITIES Repayment of other borrowings — (68) (20) Repayment of subordinated debt (87) — — (Repayment) proceeds for borrowings due to banking subsidiary (15) 20 — Repurchase of Class A common stock — (1,240) — Cash dividends paid (117) (83) (42) Other financing activities (6) (24) — Net cash used in financing activities (225) (1,395) (62) Net change in cash and due from banks 81 (55) 124 Cash and due from banks at beginning of year 119 174 50 Cash and due from banks at end of year $ 200 $ 119 $ 174 CASH PAYMENTS (REFUNDS) FOR: Interest $ 23 $ 18 $ 17 Income taxes 470 (536) 810

Significant Accounting Polici_3

Significant Accounting Policies and Basis of Presentation (Details) $ / shares in Units, $ in Thousands	Dec. 31, 2023 USD ($) renewalOption $ / shares	Dec. 31, 2022 $ / shares	Jan. 03, 2022
Significant Accounting Policies and Basis of Presentation [Line Items]
Lessee, operating lease, options to renew | renewalOption	1
Allowance for credit loss, individually evaluated loans, threshold | $	$ 500
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Class A
Significant Accounting Policies and Basis of Presentation [Line Items]
Common stock, par value (in dollars per share)	$ 1	$ 1
Class B
Significant Accounting Policies and Basis of Presentation [Line Items]
Common stock, par value (in dollars per share)	$ 1	$ 1
CIT Group Inc. | Class A
Significant Accounting Policies and Basis of Presentation [Line Items]
Common stock, terms of conversion, conversion ratio			0.062
Rail Equipment | Minimum
Significant Accounting Policies and Basis of Presentation [Line Items]
Useful Life (years)	40 years
Rail Equipment | Maximum
Significant Accounting Policies and Basis of Presentation [Line Items]
Useful Life (years)	50 years
Other Equipment | Minimum
Significant Accounting Policies and Basis of Presentation [Line Items]
Useful Life (years)	3 years
Other Equipment | Maximum
Significant Accounting Policies and Basis of Presentation [Line Items]
Useful Life (years)	10 years

Business Combinations - Narrati

Business Combinations - Narrative (Details) $ / shares in Units, $ in Millions				12 Months Ended
	Apr. 04, 2023 USD ($)	Mar. 27, 2023 USD ($) $ / shares shares	Jan. 03, 2022 USD ($) $ / shares shares	Dec. 31, 2023 USD ($) $ / shares	Dec. 31, 2022 USD ($) $ / shares	Dec. 31, 2021 USD ($)
Business Acquisition [Line Items]
Net interest income				$ 6,712	$ 2,946	$ 1,390
Noninterest income				12,075	2,136	508
Net income				11,466	1,098	547
Gain on acquisition				9,808	431	0
Initial PCD ALLL			$ 272	220
Acquisition-related expenses				470	231	29
Operating Segments | Silicon Valley Bridge Bank Segment
Business Acquisition [Line Items]
Net interest income				1,946	0	0
Noninterest income				478	0	0
Net income				$ 530	0	$ 0
Operating Segments | CIT Group Inc.
Business Acquisition [Line Items]
Net interest income					1,750
Noninterest income					1,240
Net income					587
FDIC Credit Facility
Business Acquisition [Line Items]
FDIC advances, maximum amount available		$ 70,000
Purchase Money Note
Business Acquisition [Line Items]
Debt instrument, term		5 years
Principal amount		$ 36,070
Notes payable, fair value disclosure		35,810
SVB
Business Acquisition [Line Items]
Total assets acquired		107,539
Loans and leases		68,468
Cash and interest-earning deposits at banks		35,310
Total liabilities assumed		61,423
Deposits		56,014
Assets acquired, discount		16,450
Business combination, financing receivable acquired, amount covered by share-loss agreement		$ 60,000
Business combination, financing receivable acquired, amount covered by share-loss agreement, coverage percentage for loss up to $5 billion		0%
Business combination, financing receivable acquired, amount covered by share-loss agreement, coverage percentage for loss in excess of $5 billion		$ 5,000
Business combination, financing receivable acquired, above threshold amount covered by share-loss agreement, percentage		50%
Share-Loss Agreement, reimbursement percentage		50%
Share-Loss Agreement, term		5 years
Share-Loss Agreement, reimbursement term		8 years
Loans funded after acquisition date, loss share term		1 year
Share-Loss Agreement, true-up payment term		45 days
True-up amount		$ 1,500
Cash settled value appreciation instrument issued and issuable (in shares) | shares		5,000,000
Number of trading days		2 days
Cash settled value appreciation instrument, threshold amount (in dollars per share) | $ / shares		$ 582.55
Cash settled value appreciation instrument, maximum amount		$ 500
Payment to acquire business, value appreciation instrument exercised	$ 500
Preliminary gain on acquisition, after income taxes		9,808
Deferred tax liabilities		3,364
UPB		71,287
Purchase accounting adjustment of discount		2,300
Gain on acquisition		13,172
SVB | Non-PCD
Business Acquisition [Line Items]
Loans and leases acquired, FV		66,420
UPB		$ 68,719
SVB | FDIC Credit Facility
Business Acquisition [Line Items]
FHLB, advances, interest rate		0%
SVB | Secured Debt | FDIC Credit Facility | Secured Overnight Financing Rate
Business Acquisition [Line Items]
Basis spread on variable rate		0.25%
SVB | Purchase Money Note
Business Acquisition [Line Items]
Debt instrument, term		5 years
Debt instrument, face amount		$ 35,000
SVB | Purchase Money Note | Secured Debt
Business Acquisition [Line Items]
Debt instrument, stated interest rate		3.50%
CIT Group Inc.
Business Acquisition [Line Items]
Total assets acquired			53,775
Loans and leases			32,714
Cash and interest-earning deposits at banks			3,060
Total liabilities assumed			47,392
Deposits			39,428
Deferred tax liabilities			300
UPB			33,092
Gain on acquisition			431		431
CIT Group Inc. | Provision For Credit Losses
Business Acquisition [Line Items]
Net income					$ 513
CIT Group Inc. | Non-PCD
Business Acquisition [Line Items]
UPB			$ 29,542
Class A
Business Acquisition [Line Items]
Common stock, par value (in dollars per share) | $ / shares				$ 1	$ 1
Class A | CIT Group Inc.
Business Acquisition [Line Items]
Common stock, terms of conversion, conversion ratio			0.062
Business acquisition, equity interest Issued or issuable (in shares) | shares			6,140,010
CIT Group Inc.
Business Acquisition [Line Items]
Common stock, par value (in dollars per share) | $ / shares			$ 0.01

Business Combinations - Schedul

Business Combinations - Schedule of Business Acquisitions - SVBB Acquisition (Details) - USD ($) $ in Millions		12 Months Ended
	Mar. 27, 2023	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Liabilities
Preliminary gain on acquisition, before income taxes		$ 9,808	$ 431	$ 0
SVB
Purchase price consideration
Purchase Money Note	$ 35,808
Value Appreciation Instrument	500
Purchase price consideration	36,308
Assets
Cash and due from banks	1,310
Interest-earning deposits at banks	34,001
Investment securities	385
Loans and leases, net of the initial PCD ALLL	68,468
Affordable housing tax credit and other unconsolidated investments	1,273
Premises and equipment	308
Other assets	1,564
Total assets acquired	107,539
Liabilities
Deposits	56,014
Borrowings	10
Deferred tax liabilities	3,364
Other liabilities	2,035
Total liabilities assumed	61,423
Fair value of net assets acquired	46,116
Preliminary gain on acquisition, after income taxes	9,808
Preliminary gain on acquisition, before income taxes	13,172
Book value of net assets acquired	52,520
Business combination asset acquired, discount	16,450
Purchase Money Note, fair value discount	264
SVB | Core deposit intangibles
Assets
Core deposit intangibles	$ 230

Business Combinations - Sched_2

Business Combinations - Schedule of Unpaid Balance and Fair Value of the Acquired Loan Portfolio (Details) - USD ($) $ in Millions	Mar. 27, 2023	Jan. 03, 2022
SVB
Business Acquisition [Line Items]
UPB	$ 71,287
Loans and Leases, FV	68,468
SVB | Non-PCD
Business Acquisition [Line Items]
UPB	68,719
Loans and Leases, FV	66,422
SVB | PCD
Business Acquisition [Line Items]
UPB	2,568
Loans and Leases, FV	$ 2,046
CIT Group Inc.
Business Acquisition [Line Items]
UPB		$ 33,092
Loans and Leases, FV		32,714
CIT Group Inc. | Non-PCD
Business Acquisition [Line Items]
UPB		29,542
Loans and Leases, FV		29,481
CIT Group Inc. | PCD
Business Acquisition [Line Items]
UPB		3,550
Loans and Leases, FV		$ 3,233

Business Combinations - Sched_3

Business Combinations - Schedule of PCD Loans and Leases Acquired (Details) - SVB $ in Millions	Mar. 27, 2023 USD ($)
Business Acquisition [Line Items]
UPB	$ 71,287
Fair value	68,468
PCD
Business Acquisition [Line Items]
UPB	2,568
Fair value	2,046
Total fair value discount	522
Discount for loans fair value at acquisition date	0
Less: discount for loans with $0 fair value at SVBB Acquisition Date	26
Less: PCD gross-up	220
PCD discount	$ 276

Business Combinations - Sched_4

Business Combinations - Schedule of Valuation of Core Deposits (Details) - USD ($) $ in Millions	Mar. 27, 2023	Jan. 03, 2022
CIT Group Inc.
Business Acquisition [Line Items]
Fair Value		$ 143
Core deposit intangibles | SVB
Business Acquisition [Line Items]
Fair Value	$ 230
Estimated Useful Life	8 years
Core deposit intangibles | CIT Group Inc.
Business Acquisition [Line Items]
Fair Value		$ 143
Estimated Useful Life		10 years

Business Combinations - Sched_5

Business Combinations - Schedule of Other Assets Acquired (Details) - USD ($) $ in Millions	Mar. 27, 2023	Jan. 03, 2022
SVB
Business Acquisition [Line Items]
Low-income housing tax credits and other investments	$ 1,273
Premises and equipment	308
Accrued interest receivable	431
Federal Home Loan Bank stock and Federal Reserve Bank stock	320
Fair value of derivative financial instruments	458
Other	355
Total other assets	$ 1,564
CIT Group Inc.
Business Acquisition [Line Items]
Low-income housing tax credits and other investments		$ 777
Premises and equipment		230
Federal Home Loan Bank stock and Federal Reserve Bank stock		327
Fair value of derivative financial instruments		209
Counterparty receivables		133
Other		522
Total other assets		$ 2,198

Business Combinations - Sched_6

Business Combinations - Schedule of Other Liabilities Assumed (Details) - SVB $ in Millions	Mar. 27, 2023 USD ($)
Business Acquisition [Line Items]
Commitments to fund tax credit investments	$ 715
Fair value of derivative financial instruments	497
Reserve for off-balance sheet credit exposures	253
Accrued interest payable	109
Other	461
Other liabilities	$ 2,035

Business Combinations - Sched_7

Business Combinations - Schedule of Business Acquisitions - CIT Acquisition (Details) - USD ($) $ / shares in Units, $ in Millions		12 Months Ended
	Jan. 03, 2022	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Liabilities
Gain on acquisition		$ 9,808	$ 431	$ 0
CIT Group Inc.
Business Acquisition [Line Items]
Stock-based compensation consideration	$ 81
Cash in lieu of fractional shares and other consideration paid	51
Purchase price consideration	5,952
Assets
Cash and interest-earning deposits at banks	3,060
Investment securities	6,561
Assets held for sale	59
Loans and leases	32,714
Operating lease equipment	7,838
Bank-owned life insurance	1,202
Intangible assets	143
Other assets	2,198
Total assets acquired	53,775
Liabilities
Deposits	39,428
Borrowings	4,536
Credit balances of factoring clients	1,534
Other liabilities	1,894
Total liabilities assumed	47,392
Fair value of net assets acquired	6,383
Gain on acquisition	$ 431		$ 431
CIT Group Inc. | Class A
Business Acquisition [Line Items]
Shares of Class A common stock issued (in shares)	6,140,010
Price per share on January 3, 2022 (in dollars per share)	$ 859.76
Equity consideration	$ 5,279
CIT Group Inc. | Preferred Stock
Business Acquisition [Line Items]
Equity consideration	$ 541

Business Combinations - Sched_8

Business Combinations - Schedule of Business Acquisition, Pro Forma Information (Details) - CIT Group Inc. - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Business Acquisition [Line Items]
Business acquisition, pro forma net income (loss)	$ 1,225	$ 1,497
Interest income
Business Acquisition [Line Items]
Business acquisition, pro forma revenue	3,413	2,867
Noninterest income
Business Acquisition [Line Items]
Business acquisition, pro forma revenue	$ 1,705	$ 2,537

Investment Securities - Schedul

Investment Securities - Schedule of Amortized Cost and Fair Value of Investment Securities (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Investment securities available for sale
Amortized Cost	$ 20,688	$ 9,967
Gross Unrealized Gains	115	1
Gross Unrealized Losses	(867)	(973)
Investment securities available for sale	19,936	8,995
Investment in marketable equity securities
Amortized Cost	75	75
Gross Unrealized Gains	17	21
Gross Unrealized Losses	(8)	(1)
Fair Value	84	95
Investment securities held to maturity
Amortized Cost	9,979	10,279
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(1,476)	(1,484)
Fair Value	8,503	8,795
Total investment securities
Amortized Cost	30,742	20,321
Gross Unrealized Gains	132	22
Gross Unrealized Losses	(2,351)	(2,458)
Fair Value	28,523	17,885
U.S. Treasury
Investment securities available for sale
Amortized Cost	10,554	2,035
Gross Unrealized Gains	34	0
Gross Unrealized Losses	(80)	(137)
Investment securities available for sale	10,508	1,898
Investment securities held to maturity
Amortized Cost	479	474
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(40)	(50)
Fair Value	439	424
Government agency
Investment securities available for sale
Amortized Cost	120	164
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(3)	(2)
Investment securities available for sale	117	162
Investment securities held to maturity
Amortized Cost	1,506	1,548
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(143)	(186)
Fair Value	1,363	1,362
Residential mortgage-backed securities
Investment securities available for sale
Amortized Cost	7,154	5,424
Gross Unrealized Gains	72	1
Gross Unrealized Losses	(540)	(630)
Investment securities available for sale	6,686	4,795
Investment securities held to maturity
Amortized Cost	4,205	4,605
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(644)	(723)
Fair Value	3,561	3,882
Commercial mortgage-backed securities
Investment securities available for sale
Amortized Cost	2,319	1,774
Gross Unrealized Gains	9	0
Gross Unrealized Losses	(197)	(170)
Investment securities available for sale	2,131	1,604
Investment securities held to maturity
Amortized Cost	3,489	3,355
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(614)	(484)
Fair Value	2,875	2,871
Corporate bonds
Investment securities available for sale
Amortized Cost	529	570
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(47)	(34)
Investment securities available for sale	482	536
Municipal bonds
Investment securities available for sale
Amortized Cost	12
Gross Unrealized Gains	0
Gross Unrealized Losses	0
Investment securities available for sale	12
Supranational securities
Investment securities held to maturity
Amortized Cost	298	295
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(35)	(41)
Fair Value	263	254
Other
Investment securities held to maturity
Amortized Cost	2	2
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Fair Value	$ 2	$ 2

Investment Securities - Narrati

Investment Securities - Narrative (Details) shares in Thousands	3 Months Ended		12 Months Ended
	Dec. 31, 2023 USD ($) security shares	Dec. 31, 2022 USD ($)	Dec. 31, 2023 USD ($) security shares	Dec. 31, 2022 USD ($)
Schedule of Investments [Line Items]
Debt securities, available-for-sale, accrued Interest	$ 87,000,000	$ 33,000,000	$ 87,000,000	$ 33,000,000
Debt Securities, held-to-maturity, accrued interest	18,000,000	19,000,000	18,000,000	19,000,000
Write off of accrued interest receivable	$ 0	0	$ 0	0
Available-for-sale securities, continuous unrealized loss position, 12 months or longer, number of positions | security	483		483
Debt securities, held-to-maturity, threshold period past due	30 days		30 days
Securities past due	$ 9,979,000,000	10,279,000,000	$ 9,979,000,000	10,279,000,000
Held-to-maturity securities, nonaccrual	0	0	0	0
Total Past Due
Schedule of Investments [Line Items]
Securities past due	0	0	0	0
Asset Pledged as Collateral
Schedule of Investments [Line Items]
Investment securities, aggregate carrying value, pledged as collateral	$ 3,770,000,000	$ 4,230,000,000	$ 3,770,000,000	$ 4,230,000,000
Visa, Inc | Class B
Schedule of Investments [Line Items]
Investment owned (in shares) | shares	354		354
Residential Mortgage Backed Securities or Government Agency Securities
Schedule of Investments [Line Items]
Available-for-sale securities, continuous unrealized loss position, 12 months or longer, number of positions | security	416		416
Corporate Bonds
Schedule of Investments [Line Items]
Available-for-sale securities, continuous unrealized loss position, 12 months or longer, number of positions | security	67		67
Number of debt securities | security	1		1

Investment Securities - Sched_2

Investment Securities - Schedule of Investment Securities Maturity Information (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Investment securities available for sale
Non-amortizing securities maturing in one year or less, cost	$ 5,674	$ 37
Non-amortizing securities maturing in after one through five years, cost	4,996	2,068
Non-amortizing securities maturing in after five through 10 years, cost	408	483
Non-amortizing securities maturing in after 10 years, cost	17	17
Amortized Cost	20,688	9,967
Non-amortizing securities maturing in one year or less, fair value	5,658	37
Non-amortizing securities maturing in after one through five years, fair value	4,959	1,928
Non-amortizing securities maturing in after five through 10 years, fair value	369	455
Non-amortizing securities maturing in after 10 years, fair value	16	14
Investment securities available for sale, fair value	19,936	8,995
Investment securities held to maturity
Non-amortizing securities maturing in one year or less, cost	27	51
Non-amortizing securities maturing in after one through five years, cost	1,636	1,479
Non-amortizing securities maturing in after five through 10 years, cost	622	789
Amortized Cost	9,979	10,279
Non-amortizing securities maturing in one year or less, fair value	26	51
Non-amortizing securities maturing in after one through five years, fair value	1,508	1,328
Non-amortizing securities maturing in after five through 10 years, fair value	533	663
Investment securities held to maturity, cost, fair value	8,503	8,795
Government agency
Investment securities available for sale
Without single maturity date, cost	120	164
Without single maturity date, fair value	117	162
Residential mortgage-backed securities
Investment securities available for sale
Without single maturity date, cost	7,154	5,424
Without single maturity date, fair value	6,686	4,795
Investment securities held to maturity
Without single maturity date, cost	4,205	4,605
Without single maturity date, fair value	3,561	3,882
Commercial mortgage-backed securities
Investment securities available for sale
Without single maturity date, cost	2,319	1,774
Without single maturity date, fair value	2,131	1,604
Investment securities held to maturity
Without single maturity date, cost	3,489	3,355
Without single maturity date, fair value	$ 2,875	$ 2,871

Investment Securities - Sched_3

Investment Securities - Schedule of Interest and Dividends on Investment Securities (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Investments [Abstract]
Interest income - taxable investment securities	$ 642	$ 352	$ 143
Interest income - nontaxable investment securities	4	0	0
Dividend income - marketable equity securities	2	2	2
Interest on investment securities	$ 648	$ 354	$ 145

Investment Securities - Sched_4

Investment Securities - Schedule of Realized Gain (Loss) From Available-for-sale Securities (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Investments [Abstract]
Gross realized gains on sales of investment securities available for sale	$ 0	$ 0	$ 33
Gross realized losses on sales of investment securities available for sale	(26)	0	0
Net realized (losses) gains on sales of investment securities available for sale	$ (26)	$ 0	$ 33

Investment Securities - Sched_5

Investment Securities - Schedule of Unrealized Losses (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Investment securities available for sale
Investment securities available for sale, less than 12 months, fair value	$ 1,517	$ 3,501
Investment securities available for sale, less than 12 months, unrealized losses	(13)	(276)
Investment securities available for sale, 12 months or more, fair value	7,865	5,347
Investment securities available for sale, 12 months or more, unrealized losses	(854)	(697)
Investment securities available for sale, fair value	9,382	8,848
Investment securities available for sale, unrealized losses	(867)	(973)
U.S. Treasury
Investment securities available for sale
Investment securities available for sale, less than 12 months, fair value	955	403
Investment securities available for sale, less than 12 months, unrealized losses	0	(27)
Investment securities available for sale, 12 months or more, fair value	1,919	1,495
Investment securities available for sale, 12 months or more, unrealized losses	(80)	(110)
Investment securities available for sale, fair value	2,874	1,898
Investment securities available for sale, unrealized losses	(80)	(137)
Government agency
Investment securities available for sale
Investment securities available for sale, less than 12 months, fair value	23	65
Investment securities available for sale, less than 12 months, unrealized losses	0	(1)
Investment securities available for sale, 12 months or more, fair value	94	62
Investment securities available for sale, 12 months or more, unrealized losses	(3)	(1)
Investment securities available for sale, fair value	117	127
Investment securities available for sale, unrealized losses	(3)	(2)
Residential mortgage-backed securities
Investment securities available for sale
Investment securities available for sale, less than 12 months, fair value	293	1,698
Investment securities available for sale, less than 12 months, unrealized losses	(3)	(165)
Investment securities available for sale, 12 months or more, fair value	4,073	3,001
Investment securities available for sale, 12 months or more, unrealized losses	(537)	(465)
Investment securities available for sale, fair value	4,366	4,699
Investment securities available for sale, unrealized losses	(540)	(630)
Commercial mortgage-backed securities
Investment securities available for sale
Investment securities available for sale, less than 12 months, fair value	157	836
Investment securities available for sale, less than 12 months, unrealized losses	(1)	(53)
Investment securities available for sale, 12 months or more, fair value	1,386	752
Investment securities available for sale, 12 months or more, unrealized losses	(196)	(117)
Investment securities available for sale, fair value	1,543	1,588
Investment securities available for sale, unrealized losses	(197)	(170)
Corporate Bonds
Investment securities available for sale
Investment securities available for sale, less than 12 months, fair value	89	499
Investment securities available for sale, less than 12 months, unrealized losses	(9)	(30)
Investment securities available for sale, 12 months or more, fair value	393	37
Investment securities available for sale, 12 months or more, unrealized losses	(38)	(4)
Investment securities available for sale, fair value	482	536
Investment securities available for sale, unrealized losses	$ (47)	$ (34)

Loans and Leases - Schedule of

Loans and Leases - Schedule of Loans by Class (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	$ 133,302	$ 70,781	$ 32,372
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	59,698	53,455
Commercial | Commercial construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	3,465	2,804
Commercial | Owner occupied commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	15,567	14,473
Commercial | Non-owner occupied commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	11,540	9,902
Commercial | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	27,072	24,105
Commercial | Leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2,054	2,171
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	18,591	17,326
Consumer | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	14,422	13,309
Consumer | Revolving mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2,007	1,951
Consumer | Consumer auto
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1,442	1,414
Consumer | Consumer other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	720	652
SVB
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	55,013	0
SVB | Global fund banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	25,553	0
SVB | Investor dependent - early stage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1,403	0
SVB | Investor dependent - growth stage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2,897	0
SVB | Innovation C&I and cash flow dependent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	9,658	0
SVB | Private Bank
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	9,822	0
SVB | CRE
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2,698	0
SVB | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	$ 2,982	$ 0

Loans and Leases - Narrative (D

Loans and Leases - Narrative (Details) - USD ($)		12 Months Ended
	Mar. 27, 2023	Dec. 31, 2023	Dec. 31, 2022
Receivables [Abstract]
Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]		Other assets	Other assets
Financing receivable, accrued interest receivable		$ 625,000,000	$ 203,000,000
Financing receivable, threshold period past due		30 days
Mortgage servicing rights		$ 62,000,000	47,000,000
Financing receivable, troubled debt restructuring, commitment to lend		13,000,000	1,500,000
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, amortization of purchase discount		733,000,000
Modified loans that subsequently defaulted		50,000,000
Purchase Money Note
Accounts, Notes, Loans and Financing Receivable [Line Items]
Debt instrument, term	5 years
Notes payable	$ 36,070,000,000
Other secured financings | Federal Reserve Bank of Richmond | Secured Debt
Accounts, Notes, Loans and Financing Receivable [Line Items]
Long-term line of credit		0	$ 0
Innovation C&I and cash flow dependent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Modified loans that subsequently defaulted		37,000,000
Unfunded Loan Commitment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, amortization of purchase discount		$ 128,000,000
FDIC Credit Facility
Accounts, Notes, Loans and Financing Receivable [Line Items]
FDIC advances, maximum amount available	$ 70,000,000,000

Loans and Leases - Schedule o_2

Loans and Leases - Schedule of Amortized Cost of Loans (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total net unamortized discount	$ 2,036	$ 118
Non-PCD
Accounts, Notes, Loans and Financing Receivable [Line Items]
Deferred (fees) costs, including unamortized costs and unearned fees on non-PCD loans	(72)	34
Total net unamortized discount	1,860	73
PCD
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total net unamortized discount	$ 176	$ 45

Loans and Leases - Schedule o_3

Loans and Leases - Schedule of Loans and Leases Delinquency Status (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	$ 133,302	$ 70,781	$ 32,372
Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1,550	864
30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	606	480
60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	329	214
90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	615	170
Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	131,752	69,917
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	59,698	53,455
Commercial | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1,077	685
Commercial | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	373	387
Commercial | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	241	192
Commercial | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	463	106
Commercial | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	58,621	52,770
Commercial | Commercial construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	3,465	2,804
Commercial | Commercial construction | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	53	51
Commercial | Commercial construction | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	43	50
Commercial | Commercial construction | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	8	0
Commercial | Commercial construction | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2	1
Commercial | Commercial construction | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	3,412	2,753
Commercial | Owner occupied commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	15,567	14,473
Commercial | Owner occupied commercial mortgage | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	79	59
Commercial | Owner occupied commercial mortgage | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	22	29
Commercial | Owner occupied commercial mortgage | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	10	5
Commercial | Owner occupied commercial mortgage | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	47	25
Commercial | Owner occupied commercial mortgage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	15,488	14,414
Commercial | Non-owner occupied commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	11,540	9,902
Commercial | Non-owner occupied commercial mortgage | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	530	231
Commercial | Non-owner occupied commercial mortgage | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	89	76
Commercial | Non-owner occupied commercial mortgage | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	160	144
Commercial | Non-owner occupied commercial mortgage | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	281	11
Commercial | Non-owner occupied commercial mortgage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	11,010	9,671
Commercial | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	27,072	24,105
Commercial | Commercial and industrial | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	324	252
Commercial | Commercial and industrial | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	164	173
Commercial | Commercial and industrial | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	48	26
Commercial | Commercial and industrial | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	112	53
Commercial | Commercial and industrial | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	26,748	23,853
Commercial | Leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2,054	2,171
Commercial | Leases | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	91	92
Commercial | Leases | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	55	59
Commercial | Leases | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	15	17
Commercial | Leases | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	21	16
Commercial | Leases | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1,963	2,079
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	18,591	17,326
Consumer | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	251	179
Consumer | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	146	93
Consumer | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	32	22
Consumer | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	73	64
Consumer | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	18,340	17,147
Consumer | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	14,422	13,309
Consumer | Residential mortgage | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	197	141
Consumer | Residential mortgage | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	118	73
Consumer | Residential mortgage | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	23	16
Consumer | Residential mortgage | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	56	52
Consumer | Residential mortgage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	14,225	13,168
Consumer | Revolving mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2,007	1,951
Consumer | Revolving mortgage | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	28	20
Consumer | Revolving mortgage | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	14	9
Consumer | Revolving mortgage | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	3	3
Consumer | Revolving mortgage | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	11	8
Consumer | Revolving mortgage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1,979	1,931
Consumer | Consumer auto
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1,442	1,414
Consumer | Consumer auto | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	14	9
Consumer | Consumer auto | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	9	7
Consumer | Consumer auto | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	3	1
Consumer | Consumer auto | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2	1
Consumer | Consumer auto | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1,428	1,405
Consumer | Consumer other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	720	652
Consumer | Consumer other | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	12	9
Consumer | Consumer other | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	5	4
Consumer | Consumer other | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	3	2
Consumer | Consumer other | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	4	3
Consumer | Consumer other | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	708	643
SVB
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	55,013	0
SVB | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	222
SVB | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	87
SVB | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	56
SVB | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	79
SVB | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	54,791
SVB | Global fund banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	25,553	0
SVB | Global fund banking | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB | Global fund banking | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB | Global fund banking | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB | Global fund banking | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB | Global fund banking | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	25,553
SVB | Investor dependent - early stage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1,403	0
SVB | Investor dependent - early stage | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	31
SVB | Investor dependent - early stage | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	10
SVB | Investor dependent - early stage | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	12
SVB | Investor dependent - early stage | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	9
SVB | Investor dependent - early stage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1,372
SVB | Investor dependent - growth stage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2,897	0
SVB | Investor dependent - growth stage | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	14
SVB | Investor dependent - growth stage | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	5
SVB | Investor dependent - growth stage | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2
SVB | Investor dependent - growth stage | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	7
SVB | Investor dependent - growth stage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2,883
SVB | Innovation C&I and cash flow dependent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	9,658	0
SVB | Innovation C&I and cash flow dependent | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	70
SVB | Innovation C&I and cash flow dependent | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	27
SVB | Innovation C&I and cash flow dependent | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	3
SVB | Innovation C&I and cash flow dependent | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	40
SVB | Innovation C&I and cash flow dependent | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	9,588
SVB | Private Bank
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	9,822	0
SVB | Private Bank | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	58
SVB | Private Bank | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	30
SVB | Private Bank | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	11
SVB | Private Bank | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	17
SVB | Private Bank | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	9,764
SVB | CRE
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2,698	0
SVB | CRE | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	40
SVB | CRE | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	10
SVB | CRE | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	28
SVB | CRE | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2
SVB | CRE | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2,658
SVB | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2,982	$ 0
SVB | Other | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	9
SVB | Other | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	5
SVB | Other | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB | Other | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	4
SVB | Other | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	$ 2,973

Loans and Leases - Schedule o_4

Loans and Leases - Schedule of Nonaccrual Status (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-Accrual Loans	$ 969	$ 627
Loans > 90 Days and Accruing	123	63
Financing receivable, accrued interest reversed to nonaccrual status	10	4
Financing receivable, nonaccrual without allowance for credit loss	138	63
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-Accrual Loans	641	529
Loans > 90 Days and Accruing	110	50
Commercial | Commercial construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-Accrual Loans	2	48
Loans > 90 Days and Accruing	1	0
Commercial | Owner occupied commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-Accrual Loans	61	41
Loans > 90 Days and Accruing	8	2
Commercial | Non-owner occupied commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-Accrual Loans	354	228
Loans > 90 Days and Accruing	38	0
Commercial | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-Accrual Loans	193	184
Loans > 90 Days and Accruing	56	41
Commercial | Leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-Accrual Loans	31	28
Loans > 90 Days and Accruing	7	7
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-Accrual Loans	122	98
Loans > 90 Days and Accruing	4	13
Consumer | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-Accrual Loans	96	75
Loans > 90 Days and Accruing	1	10
Consumer | Revolving mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-Accrual Loans	20	18
Loans > 90 Days and Accruing	0	0
Consumer | Consumer auto
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-Accrual Loans	5	4
Loans > 90 Days and Accruing	0	0
Consumer | Consumer other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-Accrual Loans	1	1
Loans > 90 Days and Accruing	3	3
SVB
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-Accrual Loans	206	0
Loans > 90 Days and Accruing	9	0
SVB | Global fund banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-Accrual Loans	0	0
Loans > 90 Days and Accruing	0	0
SVB | Investor dependent - early stage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-Accrual Loans	37	0
Loans > 90 Days and Accruing	2	0
SVB | Investor dependent - growth stage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-Accrual Loans	37	0
Loans > 90 Days and Accruing	0	0
SVB | Innovation C&I and cash flow dependent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-Accrual Loans	43	0
Loans > 90 Days and Accruing	0	0
SVB | Private Bank
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-Accrual Loans	30	0
Loans > 90 Days and Accruing	3	0
SVB | CRE
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-Accrual Loans	58	0
Loans > 90 Days and Accruing	0	0
SVB | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-Accrual Loans	1	0
Loans > 90 Days and Accruing	$ 4	$ 0

Loans and Leases - Schedule o_5

Loans and Leases - Schedule of Loans Disaggregated by Year of Origination and by Risk Rating (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	$ 133,302	$ 70,781	$ 32,372
Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	131,752	69,917
30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	606	480
60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	329	214
90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	615	170
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	15,178	15,142
Term loans by origination year, year two	12,381	10,760
Term loans by origination year, year three	9,054	8,245
Term loans by origination year, year four	6,619	5,860
Term loans by origination year, year five	4,352	3,101
Term loans by origination year, more than five years before current fiscal year	5,212	4,449
Revolving	6,881	5,868
Revolving Converted to Term Loans	21	30
Total loans and leases	59,698	53,455
Commercial | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	58,621	52,770
Commercial | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	373	387
Commercial | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	241	192
Commercial | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	463	106
Commercial | Commercial construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	1,011	1,146
Term loans by origination year, year two	1,365	759
Term loans by origination year, year three	596	529
Term loans by origination year, year four	299	221
Term loans by origination year, year five	98	27
Term loans by origination year, more than five years before current fiscal year	60	80
Revolving	36	42
Revolving Converted to Term Loans	0	0
Total loans and leases	3,465	2,804
Commercial | Commercial construction | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	3,412	2,753
Commercial | Commercial construction | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	43	50
Commercial | Commercial construction | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	8	0
Commercial | Commercial construction | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2	1
Commercial | Commercial construction | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	1,011	1,140
Term loans by origination year, year two	1,318	759
Term loans by origination year, year three	589	511
Term loans by origination year, year four	219	157
Term loans by origination year, year five	52	27
Term loans by origination year, more than five years before current fiscal year	55	75
Revolving	36	42
Revolving Converted to Term Loans	0	0
Total loans and leases	3,280	2,711
Commercial | Commercial construction | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0	4
Term loans by origination year, year two	0	0
Term loans by origination year, year three	2	18
Term loans by origination year, year four	49	18
Term loans by origination year, year five	46	0
Term loans by origination year, more than five years before current fiscal year	0	0
Revolving	0	0
Revolving Converted to Term Loans	0	0
Total loans and leases	97	40
Commercial | Commercial construction | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0	2
Term loans by origination year, year two	47	0
Term loans by origination year, year three	5	0
Term loans by origination year, year four	31	43
Term loans by origination year, year five	0	0
Term loans by origination year, more than five years before current fiscal year	5	5
Revolving	0	0
Revolving Converted to Term Loans	0	0
Total loans and leases	88	50
Commercial | Commercial construction | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0	0
Term loans by origination year, year two	0	0
Term loans by origination year, year three	0	0
Term loans by origination year, year four	0	3
Term loans by origination year, year five	0	0
Term loans by origination year, more than five years before current fiscal year	0	0
Revolving	0	0
Revolving Converted to Term Loans	0	0
Total loans and leases	0	3
Commercial | Commercial construction | Ungraded
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0	0
Term loans by origination year, year two	0	0
Term loans by origination year, year three	0	0
Term loans by origination year, year four	0	0
Term loans by origination year, year five	0	0
Term loans by origination year, more than five years before current fiscal year	0	0
Revolving	0	0
Revolving Converted to Term Loans	0	0
Total loans and leases	0	0
Commercial | Owner occupied commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	2,478	2,830
Term loans by origination year, year two	2,911	3,389
Term loans by origination year, year three	3,206	3,039
Term loans by origination year, year four	2,798	1,886
Term loans by origination year, year five	1,663	1,113
Term loans by origination year, more than five years before current fiscal year	2,324	2,031
Revolving	187	185
Revolving Converted to Term Loans	0	0
Total loans and leases	15,567	14,473
Commercial | Owner occupied commercial mortgage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	15,488	14,414
Commercial | Owner occupied commercial mortgage | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	22	29
Commercial | Owner occupied commercial mortgage | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	10	5
Commercial | Owner occupied commercial mortgage | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	47	25
Commercial | Owner occupied commercial mortgage | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	2,439	2,773
Term loans by origination year, year two	2,840	3,328
Term loans by origination year, year three	3,087	2,966
Term loans by origination year, year four	2,708	1,825
Term loans by origination year, year five	1,579	1,048
Term loans by origination year, more than five years before current fiscal year	2,099	1,867
Revolving	177	177
Revolving Converted to Term Loans	0	0
Total loans and leases	14,929	13,984
Commercial | Owner occupied commercial mortgage | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	31	33
Term loans by origination year, year two	17	14
Term loans by origination year, year three	24	32
Term loans by origination year, year four	27	33
Term loans by origination year, year five	43	18
Term loans by origination year, more than five years before current fiscal year	70	49
Revolving	1	2
Revolving Converted to Term Loans	0	0
Total loans and leases	213	181
Commercial | Owner occupied commercial mortgage | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	8	24
Term loans by origination year, year two	54	47
Term loans by origination year, year three	95	41
Term loans by origination year, year four	63	28
Term loans by origination year, year five	41	47
Term loans by origination year, more than five years before current fiscal year	155	114
Revolving	9	6
Revolving Converted to Term Loans	0	0
Total loans and leases	425	307
Commercial | Owner occupied commercial mortgage | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0	0
Term loans by origination year, year two	0	0
Term loans by origination year, year three	0	0
Term loans by origination year, year four	0	0
Term loans by origination year, year five	0	0
Term loans by origination year, more than five years before current fiscal year	0	1
Revolving	0	0
Revolving Converted to Term Loans	0	0
Total loans and leases	0	1
Commercial | Owner occupied commercial mortgage | Ungraded
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0	0
Term loans by origination year, year two	0	0
Term loans by origination year, year three	0	0
Term loans by origination year, year four	0	0
Term loans by origination year, year five	0	0
Term loans by origination year, more than five years before current fiscal year	0	0
Revolving	0	0
Revolving Converted to Term Loans	0	0
Total loans and leases	0	0
Commercial | Non-owner occupied commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	2,640	2,504
Term loans by origination year, year two	2,603	1,670
Term loans by origination year, year three	1,691	1,931
Term loans by origination year, year four	1,593	1,776
Term loans by origination year, year five	1,403	773
Term loans by origination year, more than five years before current fiscal year	1,558	1,199
Revolving	52	49
Revolving Converted to Term Loans	0	0
Total loans and leases	11,540	9,902
Commercial | Non-owner occupied commercial mortgage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	11,010	9,671
Commercial | Non-owner occupied commercial mortgage | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	89	76
Commercial | Non-owner occupied commercial mortgage | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	160	144
Commercial | Non-owner occupied commercial mortgage | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	281	11
Commercial | Non-owner occupied commercial mortgage | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	2,631	2,501
Term loans by origination year, year two	2,526	1,658
Term loans by origination year, year three	1,641	1,794
Term loans by origination year, year four	1,391	1,397
Term loans by origination year, year five	883	680
Term loans by origination year, more than five years before current fiscal year	1,181	933
Revolving	43	48
Revolving Converted to Term Loans	0	0
Total loans and leases	10,296	9,011
Commercial | Non-owner occupied commercial mortgage | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	8	0
Term loans by origination year, year two	41	1
Term loans by origination year, year three	33	69
Term loans by origination year, year four	88	38
Term loans by origination year, year five	168	35
Term loans by origination year, more than five years before current fiscal year	73	10
Revolving	9	1
Revolving Converted to Term Loans	0	0
Total loans and leases	420	154
Commercial | Non-owner occupied commercial mortgage | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	1	3
Term loans by origination year, year two	36	11
Term loans by origination year, year three	17	68
Term loans by origination year, year four	114	324
Term loans by origination year, year five	311	58
Term loans by origination year, more than five years before current fiscal year	276	236
Revolving	0	0
Revolving Converted to Term Loans	0	0
Total loans and leases	755	700
Commercial | Non-owner occupied commercial mortgage | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0	0
Term loans by origination year, year two	0	0
Term loans by origination year, year three	0	0
Term loans by origination year, year four	0	17
Term loans by origination year, year five	41	0
Term loans by origination year, more than five years before current fiscal year	28	20
Revolving	0	0
Revolving Converted to Term Loans	0	0
Total loans and leases	69	37
Commercial | Non-owner occupied commercial mortgage | Ungraded
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0	0
Term loans by origination year, year two	0	0
Term loans by origination year, year three	0	0
Term loans by origination year, year four	0	0
Term loans by origination year, year five	0	0
Term loans by origination year, more than five years before current fiscal year	0	0
Revolving	0	0
Revolving Converted to Term Loans	0	0
Total loans and leases	0	0
Commercial | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	8,268	7,889
Term loans by origination year, year two	4,945	4,419
Term loans by origination year, year three	3,227	2,311
Term loans by origination year, year four	1,693	1,739
Term loans by origination year, year five	1,086	1,096
Term loans by origination year, more than five years before current fiscal year	1,226	1,029
Revolving	6,606	5,592
Revolving Converted to Term Loans	21	30
Total loans and leases	27,072	24,105
Commercial | Commercial and industrial | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	26,748	23,853
Commercial | Commercial and industrial | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	164	173
Commercial | Commercial and industrial | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	48	26
Commercial | Commercial and industrial | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	112	53
Commercial | Commercial and industrial | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	8,069	7,695
Term loans by origination year, year two	4,573	4,145
Term loans by origination year, year three	2,945	2,035
Term loans by origination year, year four	1,395	1,533
Term loans by origination year, year five	879	872
Term loans by origination year, more than five years before current fiscal year	937	845
Revolving	6,033	5,252
Revolving Converted to Term Loans	19	29
Total loans and leases	24,850	22,406
Commercial | Commercial and industrial | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	105	87
Term loans by origination year, year two	134	153
Term loans by origination year, year three	144	79
Term loans by origination year, year four	89	63
Term loans by origination year, year five	69	52
Term loans by origination year, more than five years before current fiscal year	21	23
Revolving	194	40
Revolving Converted to Term Loans	0	0
Total loans and leases	756	497
Commercial | Commercial and industrial | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	92	106
Term loans by origination year, year two	219	117
Term loans by origination year, year three	133	194
Term loans by origination year, year four	209	132
Term loans by origination year, year five	126	166
Term loans by origination year, more than five years before current fiscal year	248	145
Revolving	243	200
Revolving Converted to Term Loans	2	1
Total loans and leases	1,272	1,061
Commercial | Commercial and industrial | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	2	1
Term loans by origination year, year two	19	4
Term loans by origination year, year three	5	3
Term loans by origination year, year four	0	11
Term loans by origination year, year five	12	6
Term loans by origination year, more than five years before current fiscal year	20	16
Revolving	13	7
Revolving Converted to Term Loans	0	0
Total loans and leases	71	48
Commercial | Commercial and industrial | Ungraded
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0	0
Term loans by origination year, year two	0	0
Term loans by origination year, year three	0	0
Term loans by origination year, year four	0	0
Term loans by origination year, year five	0	0
Term loans by origination year, more than five years before current fiscal year	0	0
Revolving	123	93
Revolving Converted to Term Loans	0	0
Total loans and leases	123	93
Commercial | Leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	781	773
Term loans by origination year, year two	557	523
Term loans by origination year, year three	334	435
Term loans by origination year, year four	236	238
Term loans by origination year, year five	102	92
Term loans by origination year, more than five years before current fiscal year	44	110
Revolving	0	0
Revolving Converted to Term Loans	0	0
Total loans and leases	2,054	2,171
Commercial | Leases | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1,963	2,079
Commercial | Leases | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	55	59
Commercial | Leases | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	15	17
Commercial | Leases | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	21	16
Commercial | Leases | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	732	718
Term loans by origination year, year two	499	466
Term loans by origination year, year three	290	389
Term loans by origination year, year four	209	216
Term loans by origination year, year five	91	80
Term loans by origination year, more than five years before current fiscal year	35	108
Revolving	0	0
Revolving Converted to Term Loans	0	0
Total loans and leases	1,856	1,977
Commercial | Leases | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	18	21
Term loans by origination year, year two	22	22
Term loans by origination year, year three	20	17
Term loans by origination year, year four	7	9
Term loans by origination year, year five	4	4
Term loans by origination year, more than five years before current fiscal year	1	0
Revolving	0	0
Revolving Converted to Term Loans	0	0
Total loans and leases	72	73
Commercial | Leases | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	28	32
Term loans by origination year, year two	32	32
Term loans by origination year, year three	21	27
Term loans by origination year, year four	19	12
Term loans by origination year, year five	6	7
Term loans by origination year, more than five years before current fiscal year	8	1
Revolving	0	0
Revolving Converted to Term Loans	0	0
Total loans and leases	114	111
Commercial | Leases | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	3	2
Term loans by origination year, year two	4	3
Term loans by origination year, year three	3	2
Term loans by origination year, year four	1	1
Term loans by origination year, year five	1	1
Term loans by origination year, more than five years before current fiscal year	0	0
Revolving	0	0
Revolving Converted to Term Loans	0	0
Total loans and leases	12	9
Commercial | Leases | Ungraded
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0	0
Term loans by origination year, year two	0	0
Term loans by origination year, year three	0	0
Term loans by origination year, year four	0	0
Term loans by origination year, year five	0	0
Term loans by origination year, more than five years before current fiscal year	0	1
Revolving	0	0
Revolving Converted to Term Loans	0	0
Total loans and leases	0	1
SVB
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	6,786
Term loans by origination year, year two	7,989
Term loans by origination year, year three	4,524
Term loans by origination year, year four	2,371
Term loans by origination year, year five	1,345
Term loans by origination year, more than five years before current fiscal year	2,518
Revolving	29,347
Revolving Converted to Term Loans	133
Total loans and leases	55,013	0
SVB | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	54,791
SVB | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	87
SVB | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	56
SVB | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	79
SVB | Global fund banking
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	453
Term loans by origination year, year two	209
Term loans by origination year, year three	49
Term loans by origination year, year four	39
Term loans by origination year, year five	14
Term loans by origination year, more than five years before current fiscal year	3
Revolving	24,720
Revolving Converted to Term Loans	66
Total loans and leases	25,553	0
SVB | Global fund banking | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	25,553
SVB | Global fund banking | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB | Global fund banking | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB | Global fund banking | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB | Global fund banking | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	453
Term loans by origination year, year two	202
Term loans by origination year, year three	40
Term loans by origination year, year four	36
Term loans by origination year, year five	14
Term loans by origination year, more than five years before current fiscal year	3
Revolving	24,702
Revolving Converted to Term Loans	66
Total loans and leases	25,516
SVB | Global fund banking | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0
Term loans by origination year, year two	0
Term loans by origination year, year three	0
Term loans by origination year, year four	0
Term loans by origination year, year five	0
Term loans by origination year, more than five years before current fiscal year	0
Revolving	0
Revolving Converted to Term Loans	0
Total loans and leases	0
SVB | Global fund banking | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0
Term loans by origination year, year two	7
Term loans by origination year, year three	9
Term loans by origination year, year four	3
Term loans by origination year, year five	0
Term loans by origination year, more than five years before current fiscal year	0
Revolving	18
Revolving Converted to Term Loans	0
Total loans and leases	37
SVB | Global fund banking | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0
Term loans by origination year, year two	0
Term loans by origination year, year three	0
Term loans by origination year, year four	0
Term loans by origination year, year five	0
Term loans by origination year, more than five years before current fiscal year	0
Revolving	0
Revolving Converted to Term Loans	0
Total loans and leases	0
SVB | Global fund banking | Ungraded
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0
Term loans by origination year, year two	0
Term loans by origination year, year three	0
Term loans by origination year, year four	0
Term loans by origination year, year five	0
Term loans by origination year, more than five years before current fiscal year	0
Revolving	0
Revolving Converted to Term Loans	0
Total loans and leases	0
SVB | Investor dependent - early stage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	481
Term loans by origination year, year two	617
Term loans by origination year, year three	140
Term loans by origination year, year four	7
Term loans by origination year, year five	1
Term loans by origination year, more than five years before current fiscal year	1
Revolving	154
Revolving Converted to Term Loans	2
Total loans and leases	1,403	0
SVB | Investor dependent - early stage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1,372
SVB | Investor dependent - early stage | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	10
SVB | Investor dependent - early stage | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	12
SVB | Investor dependent - early stage | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	9
SVB | Investor dependent - early stage | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	421
Term loans by origination year, year two	453
Term loans by origination year, year three	85
Term loans by origination year, year four	4
Term loans by origination year, year five	1
Term loans by origination year, more than five years before current fiscal year	0
Revolving	99
Revolving Converted to Term Loans	2
Total loans and leases	1,065
SVB | Investor dependent - early stage | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	8
Term loans by origination year, year two	14
Term loans by origination year, year three	1
Term loans by origination year, year four	0
Term loans by origination year, year five	0
Term loans by origination year, more than five years before current fiscal year	0
Revolving	0
Revolving Converted to Term Loans	0
Total loans and leases	23
SVB | Investor dependent - early stage | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	40
Term loans by origination year, year two	138
Term loans by origination year, year three	51
Term loans by origination year, year four	3
Term loans by origination year, year five	0
Term loans by origination year, more than five years before current fiscal year	0
Revolving	51
Revolving Converted to Term Loans	0
Total loans and leases	283
SVB | Investor dependent - early stage | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	12
Term loans by origination year, year two	12
Term loans by origination year, year three	3
Term loans by origination year, year four	0
Term loans by origination year, year five	0
Term loans by origination year, more than five years before current fiscal year	1
Revolving	4
Revolving Converted to Term Loans	0
Total loans and leases	32
SVB | Investor dependent - early stage | Ungraded
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0
Term loans by origination year, year two	0
Term loans by origination year, year three	0
Term loans by origination year, year four	0
Term loans by origination year, year five	0
Term loans by origination year, more than five years before current fiscal year	0
Revolving	0
Revolving Converted to Term Loans	0
Total loans and leases	0
SVB | Investor dependent - growth stage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	1,106
Term loans by origination year, year two	1,196
Term loans by origination year, year three	320
Term loans by origination year, year four	32
Term loans by origination year, year five	9
Term loans by origination year, more than five years before current fiscal year	2
Revolving	227
Revolving Converted to Term Loans	5
Total loans and leases	2,897	0
SVB | Investor dependent - growth stage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2,883
SVB | Investor dependent - growth stage | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	5
SVB | Investor dependent - growth stage | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2
SVB | Investor dependent - growth stage | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	7
SVB | Investor dependent - growth stage | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	1,034
Term loans by origination year, year two	967
Term loans by origination year, year three	217
Term loans by origination year, year four	25
Term loans by origination year, year five	8
Term loans by origination year, more than five years before current fiscal year	2
Revolving	198
Revolving Converted to Term Loans	5
Total loans and leases	2,456
SVB | Investor dependent - growth stage | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	6
Term loans by origination year, year two	25
Term loans by origination year, year three	0
Term loans by origination year, year four	0
Term loans by origination year, year five	0
Term loans by origination year, more than five years before current fiscal year	0
Revolving	0
Revolving Converted to Term Loans	0
Total loans and leases	31
SVB | Investor dependent - growth stage | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	66
Term loans by origination year, year two	192
Term loans by origination year, year three	83
Term loans by origination year, year four	7
Term loans by origination year, year five	1
Term loans by origination year, more than five years before current fiscal year	0
Revolving	27
Revolving Converted to Term Loans	0
Total loans and leases	376
SVB | Investor dependent - growth stage | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0
Term loans by origination year, year two	12
Term loans by origination year, year three	20
Term loans by origination year, year four	0
Term loans by origination year, year five	0
Term loans by origination year, more than five years before current fiscal year	0
Revolving	2
Revolving Converted to Term Loans	0
Total loans and leases	34
SVB | Investor dependent - growth stage | Ungraded
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0
Term loans by origination year, year two	0
Term loans by origination year, year three	0
Term loans by origination year, year four	0
Term loans by origination year, year five	0
Term loans by origination year, more than five years before current fiscal year	0
Revolving	0
Revolving Converted to Term Loans	0
Total loans and leases	0
SVB | Innovation C&I and cash flow dependent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	2,520
Term loans by origination year, year two	2,526
Term loans by origination year, year three	1,123
Term loans by origination year, year four	435
Term loans by origination year, year five	105
Term loans by origination year, more than five years before current fiscal year	54
Revolving	2,895
Revolving Converted to Term Loans	0
Total loans and leases	9,658	0
SVB | Innovation C&I and cash flow dependent | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	9,588
SVB | Innovation C&I and cash flow dependent | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	27
SVB | Innovation C&I and cash flow dependent | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	3
SVB | Innovation C&I and cash flow dependent | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	40
SVB | Innovation C&I and cash flow dependent | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	2,370
Term loans by origination year, year two	2,238
Term loans by origination year, year three	833
Term loans by origination year, year four	293
Term loans by origination year, year five	80
Term loans by origination year, more than five years before current fiscal year	44
Revolving	2,598
Revolving Converted to Term Loans	0
Total loans and leases	8,456
SVB | Innovation C&I and cash flow dependent | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	99
Term loans by origination year, year two	103
Term loans by origination year, year three	36
Term loans by origination year, year four	66
Term loans by origination year, year five	0
Term loans by origination year, more than five years before current fiscal year	0
Revolving	92
Revolving Converted to Term Loans	0
Total loans and leases	396
SVB | Innovation C&I and cash flow dependent | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	51
Term loans by origination year, year two	185
Term loans by origination year, year three	254
Term loans by origination year, year four	76
Term loans by origination year, year five	25
Term loans by origination year, more than five years before current fiscal year	0
Revolving	175
Revolving Converted to Term Loans	0
Total loans and leases	766
SVB | Innovation C&I and cash flow dependent | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0
Term loans by origination year, year two	0
Term loans by origination year, year three	0
Term loans by origination year, year four	0
Term loans by origination year, year five	0
Term loans by origination year, more than five years before current fiscal year	10
Revolving	30
Revolving Converted to Term Loans	0
Total loans and leases	40
SVB | Innovation C&I and cash flow dependent | Ungraded
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0
Term loans by origination year, year two	0
Term loans by origination year, year three	0
Term loans by origination year, year four	0
Term loans by origination year, year five	0
Term loans by origination year, more than five years before current fiscal year	0
Revolving	0
Revolving Converted to Term Loans	0
Total loans and leases	0
SVB | Private Bank
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	1,262
Term loans by origination year, year two	2,275
Term loans by origination year, year three	2,152
Term loans by origination year, year four	1,366
Term loans by origination year, year five	755
Term loans by origination year, more than five years before current fiscal year	1,158
Revolving	842
Revolving Converted to Term Loans	12
Total loans and leases	9,822	0
SVB | Private Bank | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	9,764
SVB | Private Bank | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	30
SVB | Private Bank | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	11
SVB | Private Bank | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	17
SVB | Private Bank | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	1,247
Term loans by origination year, year two	2,273
Term loans by origination year, year three	2,148
Term loans by origination year, year four	1,361
Term loans by origination year, year five	750
Term loans by origination year, more than five years before current fiscal year	1,114
Revolving	830
Revolving Converted to Term Loans	10
Total loans and leases	9,733
SVB | Private Bank | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	5
Term loans by origination year, year two	2
Term loans by origination year, year three	1
Term loans by origination year, year four	0
Term loans by origination year, year five	1
Term loans by origination year, more than five years before current fiscal year	7
Revolving	7
Revolving Converted to Term Loans	0
Total loans and leases	23
SVB | Private Bank | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	10
Term loans by origination year, year two	0
Term loans by origination year, year three	3
Term loans by origination year, year four	5
Term loans by origination year, year five	3
Term loans by origination year, more than five years before current fiscal year	37
Revolving	5
Revolving Converted to Term Loans	2
Total loans and leases	65
SVB | Private Bank | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0
Term loans by origination year, year two	0
Term loans by origination year, year three	0
Term loans by origination year, year four	0
Term loans by origination year, year five	1
Term loans by origination year, more than five years before current fiscal year	0
Revolving	0
Revolving Converted to Term Loans	0
Total loans and leases	1
SVB | Private Bank | Ungraded
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0
Term loans by origination year, year two	0
Term loans by origination year, year three	0
Term loans by origination year, year four	0
Term loans by origination year, year five	0
Term loans by origination year, more than five years before current fiscal year	0
Revolving	0
Revolving Converted to Term Loans	0
Total loans and leases	0
SVB | CRE
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	506
Term loans by origination year, year two	478
Term loans by origination year, year three	282
Term loans by origination year, year four	201
Term loans by origination year, year five	281
Term loans by origination year, more than five years before current fiscal year	892
Revolving	53
Revolving Converted to Term Loans	5
Total loans and leases	2,698	0
SVB | CRE | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2,658
SVB | CRE | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	10
SVB | CRE | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	28
SVB | CRE | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2
SVB | CRE | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	506
Term loans by origination year, year two	458
Term loans by origination year, year three	257
Term loans by origination year, year four	168
Term loans by origination year, year five	195
Term loans by origination year, more than five years before current fiscal year	801
Revolving	51
Revolving Converted to Term Loans	5
Total loans and leases	2,441
SVB | CRE | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0
Term loans by origination year, year two	6
Term loans by origination year, year three	7
Term loans by origination year, year four	10
Term loans by origination year, year five	3
Term loans by origination year, more than five years before current fiscal year	23
Revolving	0
Revolving Converted to Term Loans	0
Total loans and leases	49
SVB | CRE | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0
Term loans by origination year, year two	14
Term loans by origination year, year three	16
Term loans by origination year, year four	10
Term loans by origination year, year five	57
Term loans by origination year, more than five years before current fiscal year	57
Revolving	0
Revolving Converted to Term Loans	0
Total loans and leases	154
SVB | CRE | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0
Term loans by origination year, year two	0
Term loans by origination year, year three	2
Term loans by origination year, year four	13
Term loans by origination year, year five	26
Term loans by origination year, more than five years before current fiscal year	11
Revolving	2
Revolving Converted to Term Loans	0
Total loans and leases	54
SVB | CRE | Ungraded
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0
Term loans by origination year, year two	0
Term loans by origination year, year three	0
Term loans by origination year, year four	0
Term loans by origination year, year five	0
Term loans by origination year, more than five years before current fiscal year	0
Revolving	0
Revolving Converted to Term Loans	0
Total loans and leases	0
SVB | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	458
Term loans by origination year, year two	688
Term loans by origination year, year three	458
Term loans by origination year, year four	291
Term loans by origination year, year five	180
Term loans by origination year, more than five years before current fiscal year	408
Revolving	456
Revolving Converted to Term Loans	43
Total loans and leases	2,982	0
SVB | Other | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2,973
SVB | Other | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	5
SVB | Other | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB | Other | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	4
SVB | Other | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	458
Term loans by origination year, year two	625
Term loans by origination year, year three	438
Term loans by origination year, year four	251
Term loans by origination year, year five	176
Term loans by origination year, more than five years before current fiscal year	377
Revolving	435
Revolving Converted to Term Loans	42
Total loans and leases	2,802
SVB | Other | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0
Term loans by origination year, year two	11
Term loans by origination year, year three	12
Term loans by origination year, year four	32
Term loans by origination year, year five	0
Term loans by origination year, more than five years before current fiscal year	0
Revolving	0
Revolving Converted to Term Loans	0
Total loans and leases	55
SVB | Other | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0
Term loans by origination year, year two	52
Term loans by origination year, year three	8
Term loans by origination year, year four	8
Term loans by origination year, year five	4
Term loans by origination year, more than five years before current fiscal year	31
Revolving	21
Revolving Converted to Term Loans	1
Total loans and leases	125
SVB | Other | Doubtful
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0
Term loans by origination year, year two	0
Term loans by origination year, year three	0
Term loans by origination year, year four	0
Term loans by origination year, year five	0
Term loans by origination year, more than five years before current fiscal year	0
Revolving	0
Revolving Converted to Term Loans	0
Total loans and leases	0
SVB | Other | Ungraded
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0
Term loans by origination year, year two	0
Term loans by origination year, year three	0
Term loans by origination year, year four	0
Term loans by origination year, year five	0
Term loans by origination year, more than five years before current fiscal year	0
Revolving	0
Revolving Converted to Term Loans	0
Total loans and leases	0
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	2,739	4,249
Term loans by origination year, year two	4,076	4,214
Term loans by origination year, year three	3,823	2,337
Term loans by origination year, year four	2,047	930
Term loans by origination year, year five	764	481
Term loans by origination year, more than five years before current fiscal year	2,753	2,775
Revolving	2,302	2,240
Revolving Converted to Term Loans	87	100
Total loans and leases	18,591	17,326
Consumer | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	18,340	17,147
Consumer | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	146	93
Consumer | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	32	22
Consumer | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	73	64
Consumer | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	2,053	3,489
Term loans by origination year, year two	3,540	3,730
Term loans by origination year, year three	3,506	2,106
Term loans by origination year, year four	1,907	812
Term loans by origination year, year five	703	419
Term loans by origination year, more than five years before current fiscal year	2,705	2,731
Revolving	8	22
Revolving Converted to Term Loans	0	0
Total loans and leases	14,422	13,309
Consumer | Residential mortgage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	2,047	3,485
Term loans by origination year, year two	3,522	3,721
Term loans by origination year, year three	3,488	2,097
Term loans by origination year, year four	1,895	805
Term loans by origination year, year five	694	413
Term loans by origination year, more than five years before current fiscal year	2,571	2,625
Revolving	8	22
Revolving Converted to Term Loans	0	0
Total loans and leases	14,225	13,168
Consumer | Residential mortgage | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	4	3
Term loans by origination year, year two	13	7
Term loans by origination year, year three	14	6
Term loans by origination year, year four	6	5
Term loans by origination year, year five	7	3
Term loans by origination year, more than five years before current fiscal year	74	49
Revolving	0	0
Revolving Converted to Term Loans	0	0
Total loans and leases	118	73
Consumer | Residential mortgage | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	1	1
Term loans by origination year, year two	1	1
Term loans by origination year, year three	3	2
Term loans by origination year, year four	2	0
Term loans by origination year, year five	1	1
Term loans by origination year, more than five years before current fiscal year	15	11
Revolving	0	0
Revolving Converted to Term Loans	0	0
Total loans and leases	23	16
Consumer | Residential mortgage | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	1	0
Term loans by origination year, year two	4	1
Term loans by origination year, year three	1	1
Term loans by origination year, year four	4	2
Term loans by origination year, year five	1	2
Term loans by origination year, more than five years before current fiscal year	45	46
Revolving	0	0
Revolving Converted to Term Loans	0	0
Total loans and leases	56	52
Consumer | Revolving mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0	0
Term loans by origination year, year two	0	0
Term loans by origination year, year three	0	0
Term loans by origination year, year four	0	0
Term loans by origination year, year five	0	0
Term loans by origination year, more than five years before current fiscal year	0	0
Revolving	1,920	1,851
Revolving Converted to Term Loans	87	100
Total loans and leases	2,007	1,951
Consumer | Revolving mortgage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0	0
Term loans by origination year, year two	0	0
Term loans by origination year, year three	0	0
Term loans by origination year, year four	0	0
Term loans by origination year, year five	0	0
Term loans by origination year, more than five years before current fiscal year	0	0
Revolving	1,903	1,839
Revolving Converted to Term Loans	76	92
Total loans and leases	1,979	1,931
Consumer | Revolving mortgage | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0	0
Term loans by origination year, year two	0	0
Term loans by origination year, year three	0	0
Term loans by origination year, year four	0	0
Term loans by origination year, year five	0	0
Term loans by origination year, more than five years before current fiscal year	0	0
Revolving	10	5
Revolving Converted to Term Loans	4	4
Total loans and leases	14	9
Consumer | Revolving mortgage | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0	0
Term loans by origination year, year two	0	0
Term loans by origination year, year three	0	0
Term loans by origination year, year four	0	0
Term loans by origination year, year five	0	0
Term loans by origination year, more than five years before current fiscal year	0	0
Revolving	1	2
Revolving Converted to Term Loans	2	1
Total loans and leases	3	3
Consumer | Revolving mortgage | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0	0
Term loans by origination year, year two	0	0
Term loans by origination year, year three	0	0
Term loans by origination year, year four	0	0
Term loans by origination year, year five	0	0
Term loans by origination year, more than five years before current fiscal year	0	0
Revolving	6	5
Revolving Converted to Term Loans	5	3
Total loans and leases	11	8
Consumer | Consumer auto
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	527	600
Term loans by origination year, year two	432	402
Term loans by origination year, year three	265	218
Term loans by origination year, year four	132	112
Term loans by origination year, year five	57	60
Term loans by origination year, more than five years before current fiscal year	29	22
Revolving	0	0
Revolving Converted to Term Loans	0	0
Total loans and leases	1,442	1,414
Consumer | Consumer auto | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	525	599
Term loans by origination year, year two	427	398
Term loans by origination year, year three	261	216
Term loans by origination year, year four	131	111
Term loans by origination year, year five	56	59
Term loans by origination year, more than five years before current fiscal year	28	22
Revolving	0	0
Revolving Converted to Term Loans	0	0
Total loans and leases	1,428	1,405
Consumer | Consumer auto | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	1	1
Term loans by origination year, year two	3	2
Term loans by origination year, year three	2	2
Term loans by origination year, year four	1	1
Term loans by origination year, year five	1	1
Term loans by origination year, more than five years before current fiscal year	1	0
Revolving	0	0
Revolving Converted to Term Loans	0	0
Total loans and leases	9	7
Consumer | Consumer auto | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	1	0
Term loans by origination year, year two	1	1
Term loans by origination year, year three	1	0
Term loans by origination year, year four	0	0
Term loans by origination year, year five	0	0
Term loans by origination year, more than five years before current fiscal year	0	0
Revolving	0	0
Revolving Converted to Term Loans	0	0
Total loans and leases	3	1
Consumer | Consumer auto | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0	0
Term loans by origination year, year two	1	1
Term loans by origination year, year three	1	0
Term loans by origination year, year four	0	0
Term loans by origination year, year five	0	0
Term loans by origination year, more than five years before current fiscal year	0	0
Revolving	0	0
Revolving Converted to Term Loans	0	0
Total loans and leases	2	1
Consumer | Consumer other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	159	160
Term loans by origination year, year two	104	82
Term loans by origination year, year three	52	13
Term loans by origination year, year four	8	6
Term loans by origination year, year five	4	2
Term loans by origination year, more than five years before current fiscal year	19	22
Revolving	374	367
Revolving Converted to Term Loans	0	0
Total loans and leases	720	652
Consumer | Consumer other | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	158	160
Term loans by origination year, year two	103	82
Term loans by origination year, year three	52	13
Term loans by origination year, year four	8	6
Term loans by origination year, year five	4	2
Term loans by origination year, more than five years before current fiscal year	16	19
Revolving	367	361
Revolving Converted to Term Loans	0	0
Total loans and leases	708	643
Consumer | Consumer other | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	1	0
Term loans by origination year, year two	1	0
Term loans by origination year, year three	0	0
Term loans by origination year, year four	0	0
Term loans by origination year, year five	0	0
Term loans by origination year, more than five years before current fiscal year	0	1
Revolving	3	3
Revolving Converted to Term Loans	0	0
Total loans and leases	5	4
Consumer | Consumer other | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0	0
Term loans by origination year, year two	0	0
Term loans by origination year, year three	0	0
Term loans by origination year, year four	0	0
Term loans by origination year, year five	0	0
Term loans by origination year, more than five years before current fiscal year	1	1
Revolving	2	1
Revolving Converted to Term Loans	0	0
Total loans and leases	3	2
Consumer | Consumer other | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term loans by origination year, year one	0	0
Term loans by origination year, year two	0	0
Term loans by origination year, year three	0	0
Term loans by origination year, year four	0	0
Term loans by origination year, year five	0	0
Term loans by origination year, more than five years before current fiscal year	2	1
Revolving	2	2
Revolving Converted to Term Loans	0	0
Total loans and leases	$ 4	$ 3

Loans and Leases - Schedule o_6

Loans and Leases - Schedule of Loans Charge-offs (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 638	$ 146	$ 36
Principal Forgiveness
Accounts, Notes, Loans and Financing Receivable [Line Items]
2023	71
2022	169
2021	103
2020	72
2019	83
2018 & Prior	40
Revolving	99
Revolving Converted to Term Loans	1
Total	638
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	328	126	18
Commercial | Principal Forgiveness
Accounts, Notes, Loans and Financing Receivable [Line Items]
2023	27
2022	83
2021	37
2020	12
2019	81
2018 & Prior	37
Revolving	50
Revolving Converted to Term Loans	1
Total	328
Commercial | Owner occupied commercial mortgage | Principal Forgiveness
Accounts, Notes, Loans and Financing Receivable [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	0
2018 & Prior	0
Revolving	1
Revolving Converted to Term Loans	0
Total	1
Commercial | Non-owner occupied commercial mortgage | Principal Forgiveness
Accounts, Notes, Loans and Financing Receivable [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	64
2018 & Prior	21
Revolving	0
Revolving Converted to Term Loans	0
Total	85
Commercial | Commercial and industrial | Principal Forgiveness
Accounts, Notes, Loans and Financing Receivable [Line Items]
2023	25
2022	73
2021	30
2020	9
2019	15
2018 & Prior	15
Revolving	49
Revolving Converted to Term Loans	1
Total	217
Commercial | Leases | Principal Forgiveness
Accounts, Notes, Loans and Financing Receivable [Line Items]
2023	2
2022	10
2021	7
2020	3
2019	2
2018 & Prior	1
Revolving	0
Revolving Converted to Term Loans	0
Total	25
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	28	20	18
Consumer | Principal Forgiveness
Accounts, Notes, Loans and Financing Receivable [Line Items]
2023	8
2022	2
2021	2
2020	1
2019	0
2018 & Prior	2
Revolving	13
Revolving Converted to Term Loans	0
Total	28
Consumer | Residential mortgage | Principal Forgiveness
Accounts, Notes, Loans and Financing Receivable [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	0
2018 & Prior	2
Revolving	0
Revolving Converted to Term Loans	0
Total	2
Consumer | Consumer auto | Principal Forgiveness
Accounts, Notes, Loans and Financing Receivable [Line Items]
2023	1
2022	1
2021	1
2020	1
2019	0
2018 & Prior	0
Revolving	0
Revolving Converted to Term Loans	0
Total	4
Consumer | Consumer other | Principal Forgiveness
Accounts, Notes, Loans and Financing Receivable [Line Items]
2023	7
2022	1
2021	1
2020	0
2019	0
2018 & Prior	0
Revolving	13
Revolving Converted to Term Loans	0
Total	22
SVB
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	282	$ 0	$ 0
SVB | Principal Forgiveness
Accounts, Notes, Loans and Financing Receivable [Line Items]
2023	36
2022	84
2021	64
2020	59
2019	2
2018 & Prior	1
Revolving	36
Revolving Converted to Term Loans	0
Total	282
SVB | Investor dependent - early stage | Principal Forgiveness
Accounts, Notes, Loans and Financing Receivable [Line Items]
2023	2
2022	30
2021	29
2020	3
2019	0
2018 & Prior	0
Revolving	11
Revolving Converted to Term Loans	0
Total	75
SVB | Investor dependent - growth stage | Principal Forgiveness
Accounts, Notes, Loans and Financing Receivable [Line Items]
2023	22
2022	37
2021	25
2020	12
2019	0
2018 & Prior	0
Revolving	1
Revolving Converted to Term Loans	0
Total	97
SVB | Innovation C&I and cash flow dependent | Principal Forgiveness
Accounts, Notes, Loans and Financing Receivable [Line Items]
2023	6
2022	0
2021	0
2020	0
2019	0
2018 & Prior	0
Revolving	18
Revolving Converted to Term Loans	0
Total	24
SVB | CRE | Principal Forgiveness
Accounts, Notes, Loans and Financing Receivable [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	2
2018 & Prior	0
Revolving	0
Revolving Converted to Term Loans	0
Total	2
SVB | Other | Principal Forgiveness
Accounts, Notes, Loans and Financing Receivable [Line Items]
2023	6
2022	17
2021	10
2020	44
2019	0
2018 & Prior	1
Revolving	6
Revolving Converted to Term Loans	0
Total	$ 84

Loans and Leases - Schedule o_7

Loans and Leases - Schedule of Loan Modifications (Details) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 599
Weighted Average Interest Rate Reduction		0.45%
Term Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 477
Weighted Average Term Extension (Months)	14 months
Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		55
Weighted Average Payment Delay (Months)	6 months
Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 2
Weighted Average Interest Rate Reduction		3.83%
Term Extension and Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 49
Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	18 months
Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		2.93%
Term Extension and Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 7
Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	8 months
Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	6 months
Other than Insignificant Payment Delay And Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 3
Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	6 months
Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		5.25%
Term Extension, Interest Rate Reduction, and Other than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 6
Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	12 months
Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		1%
Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	6 months
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 419
Weighted Average Interest Rate Reduction		0.70%
Commercial | Term Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 363
Weighted Average Term Extension (Months)	14 months
Commercial | Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		9
Weighted Average Payment Delay (Months)	7 months
Commercial | Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 2
Weighted Average Interest Rate Reduction		3.62%
Commercial | Term Extension and Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 45
Commercial | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	13 months
Commercial | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		2.90%
Commercial | Term Extension and Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Commercial | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	28 months
Commercial | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	16 months
Commercial | Other than Insignificant Payment Delay And Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Commercial | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
Commercial | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
Commercial | Term Extension, Interest Rate Reduction, and Other than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Commercial | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Commercial | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
Commercial | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Commercial | Commercial construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 4
Weighted Average Interest Rate Reduction		0.11%
Commercial | Commercial construction | Term Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 4
Weighted Average Term Extension (Months)	9 months
Commercial | Commercial construction | Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		0
Weighted Average Payment Delay (Months)	0 months
Commercial | Commercial construction | Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Weighted Average Interest Rate Reduction		0%
Commercial | Commercial construction | Term Extension and Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Commercial | Commercial construction | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Commercial | Commercial construction | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
Commercial | Commercial construction | Term Extension and Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Commercial | Commercial construction | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Commercial | Commercial construction | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
Commercial | Commercial construction | Other than Insignificant Payment Delay And Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Commercial | Commercial construction | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
Commercial | Commercial construction | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
Commercial | Commercial construction | Term Extension, Interest Rate Reduction, and Other than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Commercial | Commercial construction | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Commercial | Commercial construction | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
Commercial | Commercial construction | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Commercial | Owner occupied commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 19
Weighted Average Interest Rate Reduction		0.12%
Commercial | Owner occupied commercial mortgage | Term Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 17
Weighted Average Term Extension (Months)	17 months
Commercial | Owner occupied commercial mortgage | Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		0
Weighted Average Payment Delay (Months)	0 months
Commercial | Owner occupied commercial mortgage | Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 2
Weighted Average Interest Rate Reduction		3.62%
Commercial | Owner occupied commercial mortgage | Term Extension and Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Commercial | Owner occupied commercial mortgage | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	36 months
Commercial | Owner occupied commercial mortgage | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		2%
Commercial | Owner occupied commercial mortgage | Term Extension and Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Commercial | Owner occupied commercial mortgage | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Commercial | Owner occupied commercial mortgage | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
Commercial | Owner occupied commercial mortgage | Other than Insignificant Payment Delay And Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Commercial | Owner occupied commercial mortgage | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
Commercial | Owner occupied commercial mortgage | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
Commercial | Owner occupied commercial mortgage | Term Extension, Interest Rate Reduction, and Other than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Commercial | Owner occupied commercial mortgage | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Commercial | Owner occupied commercial mortgage | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
Commercial | Owner occupied commercial mortgage | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Commercial | Non-owner occupied commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 280
Weighted Average Interest Rate Reduction		2.43%
Commercial | Non-owner occupied commercial mortgage | Term Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 240
Weighted Average Term Extension (Months)	12 months
Commercial | Non-owner occupied commercial mortgage | Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		0
Weighted Average Payment Delay (Months)	0 months
Commercial | Non-owner occupied commercial mortgage | Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Weighted Average Interest Rate Reduction		0%
Commercial | Non-owner occupied commercial mortgage | Term Extension and Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 40
Commercial | Non-owner occupied commercial mortgage | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	12 months
Commercial | Non-owner occupied commercial mortgage | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		3%
Commercial | Non-owner occupied commercial mortgage | Term Extension and Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Commercial | Non-owner occupied commercial mortgage | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Commercial | Non-owner occupied commercial mortgage | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
Commercial | Non-owner occupied commercial mortgage | Other than Insignificant Payment Delay And Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Commercial | Non-owner occupied commercial mortgage | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
Commercial | Non-owner occupied commercial mortgage | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
Commercial | Non-owner occupied commercial mortgage | Term Extension, Interest Rate Reduction, and Other than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Commercial | Non-owner occupied commercial mortgage | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Commercial | Non-owner occupied commercial mortgage | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
Commercial | Non-owner occupied commercial mortgage | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Commercial | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 116
Weighted Average Interest Rate Reduction		0.43%
Commercial | Commercial and industrial | Term Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 102
Weighted Average Term Extension (Months)	20 months
Commercial | Commercial and industrial | Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		9
Weighted Average Payment Delay (Months)	7 months
Commercial | Commercial and industrial | Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Weighted Average Interest Rate Reduction		0%
Commercial | Commercial and industrial | Term Extension and Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 5
Commercial | Commercial and industrial | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	26 months
Commercial | Commercial and industrial | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		2.04%
Commercial | Commercial and industrial | Term Extension and Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Commercial | Commercial and industrial | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	28 months
Commercial | Commercial and industrial | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	16 months
Commercial | Commercial and industrial | Other than Insignificant Payment Delay And Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Commercial | Commercial and industrial | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
Commercial | Commercial and industrial | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
Commercial | Commercial and industrial | Term Extension, Interest Rate Reduction, and Other than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Commercial | Commercial and industrial | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Commercial | Commercial and industrial | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
Commercial | Commercial and industrial | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Commercial | Leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Weighted Average Interest Rate Reduction		0%
Commercial | Leases | Term Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Weighted Average Term Extension (Months)	16 months
Commercial | Leases | Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		0
Weighted Average Payment Delay (Months)	0 months
Commercial | Leases | Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Weighted Average Interest Rate Reduction		0%
Commercial | Leases | Term Extension and Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Commercial | Leases | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Commercial | Leases | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
Commercial | Leases | Term Extension and Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Commercial | Leases | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Commercial | Leases | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
Commercial | Leases | Other than Insignificant Payment Delay And Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Commercial | Leases | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
Commercial | Leases | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
Commercial | Leases | Term Extension, Interest Rate Reduction, and Other than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Commercial | Leases | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Commercial | Leases | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
Commercial | Leases | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 16
Weighted Average Interest Rate Reduction		0.09%
Consumer | Term Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 9
Weighted Average Term Extension (Months)	84 months
Consumer | Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		0
Weighted Average Payment Delay (Months)	0 months
Consumer | Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Weighted Average Interest Rate Reduction		4.44%
Consumer | Term Extension and Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 4
Consumer | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	61 months
Consumer | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		3.20%
Consumer | Term Extension and Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Consumer | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Consumer | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
Consumer | Other than Insignificant Payment Delay And Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 3
Consumer | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	6 months
Consumer | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		5.25%
Consumer | Term Extension, Interest Rate Reduction, and Other than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Consumer | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Consumer | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
Consumer | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Consumer | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 13
Weighted Average Interest Rate Reduction		0.10%
Consumer | Residential mortgage | Term Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 7
Weighted Average Term Extension (Months)	90 months
Consumer | Residential mortgage | Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		0
Weighted Average Payment Delay (Months)	0 months
Consumer | Residential mortgage | Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Weighted Average Interest Rate Reduction		1.63%
Consumer | Residential mortgage | Term Extension and Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 3
Consumer | Residential mortgage | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	62 months
Consumer | Residential mortgage | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		3.31%
Consumer | Residential mortgage | Term Extension and Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Consumer | Residential mortgage | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Consumer | Residential mortgage | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
Consumer | Residential mortgage | Other than Insignificant Payment Delay And Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 3
Consumer | Residential mortgage | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	6 months
Consumer | Residential mortgage | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		5.25%
Consumer | Residential mortgage | Term Extension, Interest Rate Reduction, and Other than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Consumer | Residential mortgage | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Consumer | Residential mortgage | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
Consumer | Residential mortgage | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Consumer | Revolving mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 3
Weighted Average Interest Rate Reduction		0.13%
Consumer | Revolving mortgage | Term Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 2
Weighted Average Term Extension (Months)	60 months
Consumer | Revolving mortgage | Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		0
Weighted Average Payment Delay (Months)	0 months
Consumer | Revolving mortgage | Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Weighted Average Interest Rate Reduction		1.74%
Consumer | Revolving mortgage | Term Extension and Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 1
Consumer | Revolving mortgage | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	57 months
Consumer | Revolving mortgage | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		2.92%
Consumer | Revolving mortgage | Term Extension and Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Consumer | Revolving mortgage | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Consumer | Revolving mortgage | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
Consumer | Revolving mortgage | Other than Insignificant Payment Delay And Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Consumer | Revolving mortgage | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
Consumer | Revolving mortgage | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
Consumer | Revolving mortgage | Term Extension, Interest Rate Reduction, and Other than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Consumer | Revolving mortgage | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Consumer | Revolving mortgage | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
Consumer | Revolving mortgage | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Consumer | Consumer auto
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Weighted Average Interest Rate Reduction		0.01%
Consumer | Consumer auto | Term Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Weighted Average Term Extension (Months)	24 months
Consumer | Consumer auto | Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		0
Weighted Average Payment Delay (Months)	0 months
Consumer | Consumer auto | Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Weighted Average Interest Rate Reduction		0%
Consumer | Consumer auto | Term Extension and Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Consumer | Consumer auto | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	31 months
Consumer | Consumer auto | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0.69%
Consumer | Consumer auto | Term Extension and Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Consumer | Consumer auto | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Consumer | Consumer auto | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
Consumer | Consumer auto | Other than Insignificant Payment Delay And Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Consumer | Consumer auto | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
Consumer | Consumer auto | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
Consumer | Consumer auto | Term Extension, Interest Rate Reduction, and Other than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Consumer | Consumer auto | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Consumer | Consumer auto | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
Consumer | Consumer auto | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Consumer | Consumer other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Weighted Average Interest Rate Reduction		0.03%
Consumer | Consumer other | Term Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Weighted Average Term Extension (Months)	55 months
Consumer | Consumer other | Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		0
Weighted Average Payment Delay (Months)	0 months
Consumer | Consumer other | Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Weighted Average Interest Rate Reduction		9.65%
Consumer | Consumer other | Term Extension and Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Consumer | Consumer other | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	36 months
Consumer | Consumer other | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0.25%
Consumer | Consumer other | Term Extension and Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Consumer | Consumer other | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Consumer | Consumer other | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
Consumer | Consumer other | Other than Insignificant Payment Delay And Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Consumer | Consumer other | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
Consumer | Consumer other | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
Consumer | Consumer other | Term Extension, Interest Rate Reduction, and Other than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Consumer | Consumer other | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
Consumer | Consumer other | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
Consumer | Consumer other | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
SVB
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 164
Weighted Average Interest Rate Reduction		0.30%
SVB | Term Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 105
Weighted Average Term Extension (Months)	6 months
SVB | Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		46
Weighted Average Payment Delay (Months)	5 months
SVB | Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Weighted Average Interest Rate Reduction		0%
SVB | Term Extension and Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
SVB | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
SVB | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
SVB | Term Extension and Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 7
SVB | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	7 months
SVB | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	6 months
SVB | Other than Insignificant Payment Delay And Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
SVB | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
SVB | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
SVB | Term Extension, Interest Rate Reduction, and Other than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 6
SVB | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	12 months
SVB | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		1%
SVB | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	6 months
SVB | Investor dependent - early stage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 26
Weighted Average Interest Rate Reduction		1.88%
SVB | Investor dependent - early stage | Term Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 3
Weighted Average Term Extension (Months)	4 months
SVB | Investor dependent - early stage | Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		17
Weighted Average Payment Delay (Months)	5 months
SVB | Investor dependent - early stage | Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Weighted Average Interest Rate Reduction		0%
SVB | Investor dependent - early stage | Term Extension and Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
SVB | Investor dependent - early stage | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
SVB | Investor dependent - early stage | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
SVB | Investor dependent - early stage | Term Extension and Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
SVB | Investor dependent - early stage | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	6 months
SVB | Investor dependent - early stage | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	6 months
SVB | Investor dependent - early stage | Other than Insignificant Payment Delay And Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
SVB | Investor dependent - early stage | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
SVB | Investor dependent - early stage | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
SVB | Investor dependent - early stage | Term Extension, Interest Rate Reduction, and Other than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 6
SVB | Investor dependent - early stage | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	12 months
SVB | Investor dependent - early stage | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		1%
SVB | Investor dependent - early stage | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	6 months
SVB | Investor dependent - growth stage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 36
Weighted Average Interest Rate Reduction		1.24%
SVB | Investor dependent - growth stage | Term Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 8
Weighted Average Term Extension (Months)	9 months
SVB | Investor dependent - growth stage | Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		28
Weighted Average Payment Delay (Months)	5 months
SVB | Investor dependent - growth stage | Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Weighted Average Interest Rate Reduction		0%
SVB | Investor dependent - growth stage | Term Extension and Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
SVB | Investor dependent - growth stage | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
SVB | Investor dependent - growth stage | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
SVB | Investor dependent - growth stage | Term Extension and Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
SVB | Investor dependent - growth stage | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
SVB | Investor dependent - growth stage | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
SVB | Investor dependent - growth stage | Other than Insignificant Payment Delay And Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
SVB | Investor dependent - growth stage | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
SVB | Investor dependent - growth stage | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
SVB | Investor dependent - growth stage | Term Extension, Interest Rate Reduction, and Other than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
SVB | Investor dependent - growth stage | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
SVB | Investor dependent - growth stage | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
SVB | Investor dependent - growth stage | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
SVB | Innovation C&I and cash flow dependent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 79
Weighted Average Interest Rate Reduction		0.81%
SVB | Innovation C&I and cash flow dependent | Term Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 72
Weighted Average Term Extension (Months)	4 months
SVB | Innovation C&I and cash flow dependent | Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		0
Weighted Average Payment Delay (Months)	0 months
SVB | Innovation C&I and cash flow dependent | Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Weighted Average Interest Rate Reduction		0%
SVB | Innovation C&I and cash flow dependent | Term Extension and Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
SVB | Innovation C&I and cash flow dependent | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
SVB | Innovation C&I and cash flow dependent | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
SVB | Innovation C&I and cash flow dependent | Term Extension and Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 7
SVB | Innovation C&I and cash flow dependent | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	7 months
SVB | Innovation C&I and cash flow dependent | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	5 months
SVB | Innovation C&I and cash flow dependent | Other than Insignificant Payment Delay And Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
SVB | Innovation C&I and cash flow dependent | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
SVB | Innovation C&I and cash flow dependent | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
SVB | Innovation C&I and cash flow dependent | Term Extension, Interest Rate Reduction, and Other than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
SVB | Innovation C&I and cash flow dependent | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
SVB | Innovation C&I and cash flow dependent | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
SVB | Innovation C&I and cash flow dependent | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
SVB | Private Bank
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 4
Weighted Average Interest Rate Reduction		0.04%
SVB | Private Bank | Term Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 4
Weighted Average Term Extension (Months)	11 months
SVB | Private Bank | Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		0
Weighted Average Payment Delay (Months)	0 months
SVB | Private Bank | Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Weighted Average Interest Rate Reduction		0%
SVB | Private Bank | Term Extension and Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
SVB | Private Bank | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
SVB | Private Bank | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
SVB | Private Bank | Term Extension and Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
SVB | Private Bank | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
SVB | Private Bank | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
SVB | Private Bank | Other than Insignificant Payment Delay And Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
SVB | Private Bank | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
SVB | Private Bank | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
SVB | Private Bank | Term Extension, Interest Rate Reduction, and Other than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
SVB | Private Bank | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
SVB | Private Bank | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
SVB | Private Bank | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
SVB | CRE
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 14
Weighted Average Interest Rate Reduction		0.53%
SVB | CRE | Term Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 14
Weighted Average Term Extension (Months)	9 months
SVB | CRE | Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		0
Weighted Average Payment Delay (Months)	0 months
SVB | CRE | Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Weighted Average Interest Rate Reduction		0%
SVB | CRE | Term Extension and Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
SVB | CRE | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
SVB | CRE | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
SVB | CRE | Term Extension and Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
SVB | CRE | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
SVB | CRE | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
SVB | CRE | Other than Insignificant Payment Delay And Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
SVB | CRE | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
SVB | CRE | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
SVB | CRE | Term Extension, Interest Rate Reduction, and Other than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
SVB | CRE | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
SVB | CRE | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
SVB | CRE | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
SVB | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 5
Weighted Average Interest Rate Reduction		0.16%
SVB | Other | Term Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 4
Weighted Average Term Extension (Months)	6 months
SVB | Other | Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		1
Weighted Average Payment Delay (Months)	6 months
SVB | Other | Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
Weighted Average Interest Rate Reduction		0%
SVB | Other | Term Extension and Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
SVB | Other | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
SVB | Other | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
SVB | Other | Term Extension and Other Than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
SVB | Other | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	17 months
SVB | Other | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	17 months
SVB | Other | Other than Insignificant Payment Delay And Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
SVB | Other | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Payment Delay (Months)	0 months
SVB | Other | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
SVB | Other | Term Extension, Interest Rate Reduction, and Other than Insignificant Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amortized Cost		$ 0
SVB | Other | Weighted Average Term Extension (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months
SVB | Other | Weighted Average Interest Rate Reduction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Interest Rate Reduction		0%
SVB | Other | Weighted Average Payment Delay (Months)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted Average Term Extension (Months)	0 months

Loans and Leases - Schedule o_8

Loans and Leases - Schedule of Loans Modified, Past Due (Details) $ in Millions	12 Months Ended
	Dec. 31, 2023 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	$ 599
Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	546
30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	4
60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2
90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	47
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	419
Commercial | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	415
Commercial | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1
Commercial | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1
Commercial | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2
Commercial | Commercial construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	4
Commercial | Commercial construction | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	4
Commercial | Commercial construction | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
Commercial | Commercial construction | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
Commercial | Commercial construction | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
Commercial | Owner occupied commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	19
Commercial | Owner occupied commercial mortgage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	17
Commercial | Owner occupied commercial mortgage | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1
Commercial | Owner occupied commercial mortgage | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
Commercial | Owner occupied commercial mortgage | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1
Commercial | Non-owner occupied commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	280
Commercial | Non-owner occupied commercial mortgage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	280
Commercial | Non-owner occupied commercial mortgage | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
Commercial | Non-owner occupied commercial mortgage | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
Commercial | Non-owner occupied commercial mortgage | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
Commercial | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	116
Commercial | Commercial and industrial | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	114
Commercial | Commercial and industrial | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
Commercial | Commercial and industrial | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1
Commercial | Commercial and industrial | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	16
Consumer | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	14
Consumer | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
Consumer | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1
Consumer | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1
Consumer | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	13
Consumer | Residential mortgage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	11
Consumer | Residential mortgage | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
Consumer | Residential mortgage | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1
Consumer | Residential mortgage | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1
Consumer | Revolving mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	3
Consumer | Revolving mortgage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	3
Consumer | Revolving mortgage | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
Consumer | Revolving mortgage | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
Consumer | Revolving mortgage | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	164
SVB | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	117
SVB | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	3
SVB | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	44
SVB | Investor dependent - early stage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	26
SVB | Investor dependent - early stage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	22
SVB | Investor dependent - early stage | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB | Investor dependent - early stage | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB | Investor dependent - early stage | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	4
SVB | Investor dependent - growth stage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	36
SVB | Investor dependent - growth stage | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	36
SVB | Investor dependent - growth stage | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB | Investor dependent - growth stage | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB | Investor dependent - growth stage | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB | Innovation C&I and cash flow dependent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	79
SVB | Innovation C&I and cash flow dependent | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	39
SVB | Innovation C&I and cash flow dependent | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB | Innovation C&I and cash flow dependent | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB | Innovation C&I and cash flow dependent | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	40
SVB | Private Bank
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	4
SVB | Private Bank | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	4
SVB | Private Bank | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB | Private Bank | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB | Private Bank | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB | CRE
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	14
SVB | CRE | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	14
SVB | CRE | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB | CRE | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB | CRE | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	5
SVB | Other | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2
SVB | Other | 30-59 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	3
SVB | Other | 60-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	0
SVB | Other | 90 Days or Greater
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	$ 0

Loans and Leases - Schedule o_9

Loans and Leases - Schedule of Troubled Debt Restructuring (Details) $ in Millions	Dec. 31, 2022 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accruing	$ 150
Non-Accruing	71
Total	221
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accruing	98
Non-Accruing	49
Total	147
Commercial | Commercial construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accruing	2
Non-Accruing	1
Total	3
Commercial | Owner occupied commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accruing	46
Non-Accruing	9
Total	55
Commercial | Non-owner occupied commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accruing	24
Non-Accruing	30
Total	54
Commercial | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accruing	26
Non-Accruing	8
Total	34
Commercial | Leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accruing	0
Non-Accruing	1
Total	1
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accruing	52
Non-Accruing	22
Total	74
Consumer | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accruing	33
Non-Accruing	17
Total	50
Consumer | Revolving mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accruing	17
Non-Accruing	5
Total	22
Consumer | Consumer auto
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accruing	2
Non-Accruing	0
Total	2
Consumer | Consumer other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accruing	0
Non-Accruing	0
Total	$ 0

Loans and Leases - Schedule _10

Loans and Leases - Schedule of Troubled Debt Restructuring Modifications (Details) $ in Millions	12 Months Ended
	Dec. 31, 2022 USD ($) loan	Dec. 31, 2021 USD ($) loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | loan	337	454
Amortized Cost at Period End | $	$ 79	$ 64
Interest only
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | loan	17	20
Amortized Cost at Period End | $	$ 39	$ 18
Loan term extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | loan	128	129
Amortized Cost at Period End | $	$ 26	$ 16
Below market rates
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | loan	86	177
Amortized Cost at Period End | $	$ 9	$ 20
Discharge from bankruptcy
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | loan	106	128
Amortized Cost at Period End | $	$ 5	$ 10

Loans and Leases - Schedule _11

Loans and Leases - Schedule of Troubled Debt that Defaulted Subsequently (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Receivables [Abstract]
Troubled debt restructuring, subsequently defaulted	$ 6	$ 8

Loans and Leases - Schedule _12

Loans and Leases - Schedule of Loans Pledged as Collateral (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
FHLB of Atlanta
Pledged non-PCD loans (contractual balance)	$ 133,302	$ 70,781	$ 32,372
FHLB of Atlanta | Non-PCD | Asset Pledged as Collateral
FHLB of Atlanta
Lendable collateral value of pledged non-PCD loans	15,072	14,918
Less: Advances	0	4,250
Less: Letters of Credit	1,450	1,450
Available borrowing capacity	13,622	9,218
Pledged non-PCD loans (contractual balance)	25,370	23,491
FRB | Non-PCD | Asset Pledged as Collateral
FHLB of Atlanta
Pledged non-PCD loans (contractual balance)	6,273	5,697
FRB
Lendable collateral value of pledged non-PCD loans	5,115	4,203
Less: Advances	0	0
Available borrowing capacity	5,115	4,203
FDIC | Asset Pledged as Collateral
FHLB of Atlanta
Pledged non-PCD loans (contractual balance)	51,179	0
FDIC
Lendable collateral value of pledged loans	51,179	0
Less: Advances	0	0
Less: Purchase Money Note	36,072	0
Available borrowing capacity	$ 15,107	$ 0

Allowance for Loan and Lease _3

Allowance for Loan and Lease Losses - Schedule of Allowance for Loan and Lease Losses (Details) - USD ($) $ in Millions		12 Months Ended
	Jan. 03, 2022	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan and lease losses, beginning balance		$ 922	$ 178	$ 225
Initial PCD ALLL	$ 272	220
Day 2 provision for loan and lease losses		462	454	0
Provision for credit losses - loans and leases		703	97
(Benefit) for credit losses - loans and leases				(37)
Total provision for loan and lease losses		1,165	551	(37)
Charge-offs		(638)	(146)	(36)
Recoveries		78	67	26
Allowance for loan and lease losses, ending balance		1,747	922	178
Commercial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan and lease losses, beginning balance		789	80	92
Initial PCD ALLL		0	258
Day 2 provision for loan and lease losses		0	432
Provision for credit losses - loans and leases		541	101
(Benefit) for credit losses - loans and leases				(7)
Total provision for loan and lease losses		541	533
Charge-offs		(328)	(126)	(18)
Recoveries		44	44	13
Allowance for loan and lease losses, ending balance		1,046	789	80
Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan and lease losses, beginning balance		133	98	133
Initial PCD ALLL		0	14
Day 2 provision for loan and lease losses		0	22
Provision for credit losses - loans and leases		27
(Benefit) for credit losses - loans and leases			(4)	(30)
Total provision for loan and lease losses		27	18
Charge-offs		(28)	(20)	(18)
Recoveries		14	23	13
Allowance for loan and lease losses, ending balance		146	133	98
SVB
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Allowance for loan and lease losses, beginning balance		0	0	0
Initial PCD ALLL		220	0
Day 2 provision for loan and lease losses		462	0
Provision for credit losses - loans and leases		135	0
(Benefit) for credit losses - loans and leases				0
Total provision for loan and lease losses		597	0
Charge-offs		(282)	0	0
Recoveries		20	0	0
Allowance for loan and lease losses, ending balance		$ 555	$ 0	$ 0

Allowance for Loan and Lease _4

Allowance for Loan and Lease Losses - Schedule of Components of Credit Losses (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Receivables [Abstract]
Day 2 provision for loan and lease losses	$ 462	$ 454	$ 0
Provision for credit losses - loans and leases	703	97
(Benefit) for credit losses - loans and leases			(37)
Total provision for loan and lease losses	1,165	551	(37)
Day 2 provision for off-balance sheet credit exposure	254	59	0
(Benefit) provision for off-balance sheet credit exposure	(44)	35	0
Total provision for off-balance sheet credit exposure	210	94	0
Benefit for investment securities available for sale credit losses	0		0
Provision (benefit) for credit losses	$ 1,375	$ 645	$ (37)

Leases - Narrative (Details)

Leases - Narrative (Details) $ in Millions	12 Months Ended
	Dec. 31, 2023 USD ($)
Lessee, Lease, Description [Line Items]
Interest on the lease liability is (less than $1 million)	$ 1
Minimum
Lessee, Lease, Description [Line Items]
Operating leases have renewal terms	1 year
Maximum
Lessee, Lease, Description [Line Items]
Lessee, operating lease, term of contract (up to)	34 years
Operating leases have renewal terms	25 years
Maximum | Excessive Building Space No Longer Utilizing
Lessee, Lease, Description [Line Items]
Lessee, operating lease, term of contract (up to)	13 years

Leases- Schedule of Operating a

Leases- Schedule of Operating and Finance Lease Assets and Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Lease assets:
Operating lease ROU assets	$ 354	$ 345
Finance leases	$ 9	$ 7
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Finance Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Premises and equipment, net	Premises and equipment, net
Total lease assets	$ 363	$ 352
Lease liabilities:
Operating leases	$ 396	$ 352
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other liabilities	Other liabilities
Finance leases	$ 9	$ 7
Finance Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other Borrowings	Other Borrowings
Total lease liabilities	$ 405	$ 359
Weighted-average remaining lease terms:
Operating leases	8 years 1 month 6 days	9 years 7 months 6 days
Finance leases	15 years 4 months 24 days	4 years 1 month 6 days
Weighted-average discount rate:
Operating leases	2.70%	2.19%
Finance leases	3.52%	2.34%

Leases - Schedule of Net Lease

Leases - Schedule of Net Lease Cost (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Leases [Abstract]
Operating lease cost	$ 64	$ 58	$ 14
Finance lease ROU asset amortization	2	2	2
Variable lease cost	25	12	3
Sublease income	(3)	(2)	0
Net lease cost	88	70	19
Lessee, Lease, Description [Line Items]
Operating lease cost	64	58	$ 14
Acquisition-related Expenses
Leases [Abstract]
Operating lease cost	34	6
Lessee, Lease, Description [Line Items]
Operating lease cost	$ 34	$ 6

Leases - Schedule of Supplement

Leases - Schedule of Supplemental Cash Flow Information (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$ 63	$ 54	$ 13
Operating cash flows from finance leases	0	0	0
Financing cash flows from finance leases	2	2	2
ROU assets obtained in exchange for new operating lease liabilities	69	19	7
ROU assets obtained in exchange for new finance lease liabilities	4	$ 5	$ 0
Decrease of lease liabilities and ROU assets	$ 11

Leases - Schedule of Lease Liab

Leases - Schedule of Lease Liability Maturities (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Operating Leases
2024	$ 65
2025	67
2026	62
2027	52
2028	38
Thereafter	155
Total undiscounted lease payments	439
Difference between undiscounted cash flows and discounted cash flows	43
Lease liabilities, at present value	396	$ 352
Finance Leases
2024	2
2025	2
2026	2
2027	1
2028	0
Thereafter	6
Total undiscounted lease payments	13
Difference between undiscounted cash flows and discounted cash flows	4
Lease liabilities, at present value	9	$ 7
Total
2024	67
2025	69
2026	64
2027	53
2028	38
Thereafter	161
Total undiscounted lease payments	452
Difference between undiscounted cash flows and discounted cash flows	47
Lease liabilities, at present value	$ 405

Leases - Schedule of Net Book V

Leases - Schedule of Net Book Value of Assets Subject to Leases (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Property, Plant, and Equipment, Lessor Asset under Operating Lease [Line Items]
Lessor asset under operating lease, accumulated depreciation	$ 658	$ 296
Operating lease equipment, net	8,746	8,156
Railcars and locomotives
Property, Plant, and Equipment, Lessor Asset under Operating Lease [Line Items]
Operating lease equipment, net	7,966	7,433
Other equipment
Property, Plant, and Equipment, Lessor Asset under Operating Lease [Line Items]
Operating lease equipment, net	780	723
Off-lease rail equipment
Property, Plant, and Equipment, Lessor Asset under Operating Lease [Line Items]
Operating lease equipment, net	$ 253	$ 457

Leases - Schedule of Net Invest

Leases - Schedule of Net Investment In Finance Leases (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Leases [Abstract]
Lease receivables	$ 1,780	$ 1,786
Unguaranteed residual assets	262	317
Total net investment in finance leases	2,042	2,103
Leveraged lease net investment	13	68
Total	2,055	2,171
Leveraged lease, non-recourse debt	$ 5	$ 11

Leases - Schedule of Operating

Leases - Schedule of Operating Lease Income (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Leases [Abstract]
Lease income – Operating leases	$ 895	$ 796	$ 0
Variable lease income – Operating leases	76	68	0
Rental income on operating leases	971	864	0
Interest income - Sales type and direct financing leases	171	169	18
Variable lease income included in Other noninterest income	59	51	0
Interest income - Leveraged leases	12	20	0
Total lease income	1,213	1,104	$ 18
Property tax reimbursement due from customer	17	17
Variable lease, income related to insurance coverage	$ 42	$ 33

Leases - Schedule of Maturity A

Leases - Schedule of Maturity Analysis of Operating Lease Payments (Details) $ in Millions	Dec. 31, 2023 USD ($)
Leases [Abstract]
2024	$ 786
2025	609
2026	449
2027	316
2028	189
Thereafter	408
Total	$ 2,757

Leases - Sales-type and Direct

Leases - Sales-type and Direct Financing Leases, Lease Receivable Maturity (Details) $ in Millions	Dec. 31, 2023 USD ($)
Leases [Abstract]
2024	$ 793
2025	579
2026	360
2027	198
2028	79
Thereafter	26
Total undiscounted lease receivables	2,035
Difference between undiscounted cash flows and discounted cash flows	255
Lease receivables, at present value	$ 1,780

Premises and Equipment - Schedu

Premises and Equipment - Schedule of Premises and Equipment (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Property, Plant and Equipment [Line Items]
Total	$ 3,272	$ 2,650
Less accumulated depreciation and amortization	1,395	1,194
Premises and equipment, net	1,877	1,456
Land
Property, Plant and Equipment [Line Items]
Total	403	352
Premises and leasehold improvements
Property, Plant and Equipment [Line Items]
Total	$ 1,609	1,458
Premises and leasehold improvements | Minimum
Property, Plant and Equipment [Line Items]
Useful Life (years)	3 years
Premises and leasehold improvements | Maximum
Property, Plant and Equipment [Line Items]
Useful Life (years)	30 years
Furniture, equipment and software
Property, Plant and Equipment [Line Items]
Total	$ 1,260	$ 840
Furniture, equipment and software | Minimum
Property, Plant and Equipment [Line Items]
Useful Life (years)	3 years
Furniture, equipment and software | Maximum
Property, Plant and Equipment [Line Items]
Useful Life (years)	15 years

Premises and Equipment - Narrat

Premises and Equipment - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Depreciation and amortization expense	$ 225	$ 142	$ 107

Goodwill and Core Deposit Int_3

Goodwill and Core Deposit Intangibles - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill	$ 346,000,000	$ 346,000,000
Goodwill impairment	0	0	$ 0
Below market lease, gross	$ 52,000,000	$ 52,000,000

Goodwill and Core Deposit Int_4

Goodwill and Core Deposit Intangibles - Schedule of Changes in Core Deposit Intangibles (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Finite-lived Intangible Assets [Roll Forward]
Amortization for the period	$ (57)	$ (23)	$ (12)
Core deposit intangibles
Finite-lived Intangible Assets [Roll Forward]
Core deposit intangibles, beginning balance	140	19
Amortization for the period	(58)	(22)
Core deposit intangibles, ending balance	312	140	$ 19
Core deposit intangibles | SVB
Finite-lived Intangible Assets [Roll Forward]
Core deposit intangibles related to the Acquisition/Merger	230	0
Core deposit intangibles | CIT Group Inc.
Finite-lived Intangible Assets [Roll Forward]
Core deposit intangibles related to the Acquisition/Merger	$ 0	$ 143

Goodwill and Core Deposit Int_5

Goodwill and Core Deposit Intangibles - Schedule of Gross Carrying Amount and Accumulated Amortization of Core Deposit Intangibles (Details) - Core deposit intangibles - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Acquired Finite-Lived Intangible Assets [Line Items]
Gross balance	$ 501	$ 271
Accumulated amortization	(189)	(131)
Balance, net of accumulated amortization	$ 312	$ 140	$ 19

Goodwill and Core Deposit Int_6

Goodwill and Core Deposit Intangibles - Schedule of Finite-Lived Intangible Assets, Future Amortization Expense (Details) - Core deposit intangibles - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Acquired Finite-Lived Intangible Assets [Line Items]
2024	$ 63
2025	54
2026	46
2027	39
2028	34
Thereafter	76
Balance, net of accumulated amortization	$ 312	$ 140	$ 19

Goodwill and Core Deposit Int_7

Goodwill and Core Deposit Intangibles - Schedule of Changes in Intangible Liabilities (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Finite-lived Intangible Liabilities [Roll Forward]
Balance at January 1	$ 36	$ 0
Amortization	(12)	(16)
Balance at December 31, net of accumulated amortization	24	36
CIT Group Inc.
Finite-lived Intangible Liabilities [Roll Forward]
Acquired in CIT Merger	$ 0	$ 52

Goodwill and Core Deposit Int_8

Goodwill and Core Deposit Intangibles - Schedule of Intangible Liability Accumulated Amortization of (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Gross balance	$ 52	$ 52
Accumulated amortization	(28)	(16)
Balance, net of accumulated amortization	$ 24	$ 36	$ 0

Goodwill and Core Deposit Int_9

Goodwill and Core Deposit Intangibles - Schedule of Finite-Lived Intangible Liabilities, Future Amortization Expense (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Below Market Lease, Net, Amortization Income, Fiscal Year Maturity [Abstract]
2024	$ 6
2025	4
2026	3
2027	2
2028	2
Thereafter	7
Balance, net of accumulated amortization	$ 24	$ 36	$ 0

Mortgage Servicing Rights - Nar

Mortgage Servicing Rights - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Transfers and Servicing [Abstract]
Financing receivables serviced for third parties	$ 3,450	$ 3,690
Contractually specified servicing fee, late fee, and ancillary fee earned in exchange for servicing financial asset	$ 9	$ 10	$ 9

Mortgage Servicing Rights - Sch

Mortgage Servicing Rights - Schedule of Changes in Servicing Assets (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Beginning balance	$ 25	$ 23	$ 18
Servicing rights originated	4	4	11
Servicing rights obtained in CIT Merger	0	3	0
Amortization	(4)	(6)	(9)
Valuation allowance benefit	0	1	3
Ending balance	$ 25	$ 25	$ 23

Mortgage Servicing Rights - S_2

Mortgage Servicing Rights - Schedule of Activity in Servicing Asset Valuation Allowance (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Valuation Allowance for Impairment of Recognized Servicing Assets [Roll Forward]
Beginning balance	$ 0	$ 1	$ 4
Valuation allowance benefit	0	(1)	(3)
Ending balance	$ 0	$ 0	$ 1

Mortgage Servicing Rights - S_3

Mortgage Servicing Rights - Schedule of Servicing Asset Key Economic Assumptions (Details) - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Transfers and Servicing of Financial Assets [Abstract]
Discount rate	10.20%	9.62%
Weighted average constant prepayment rate	7.66%	6.76%
Weighted average cost to service a loan	$ 80	$ 81

Variable Interest Entities - Na

Variable Interest Entities - Narrative (Details) - entity	Dec. 31, 2023	Dec. 31, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Variable interest entity, consolidated, number of entities	0	0

Variable Interest Entities - Sc

Variable Interest Entities - Schedule of Variable Interest Entities (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Variable Interest Entity [Line Items]
Total assets	$ 213,758	$ 109,298	$ 58,309
Liabilities	192,503	99,636
Variable Interest Entity, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Total assets	2,052	762
Amortization method qualified affordable housing project investments, tax provision	169	60	22
Affordable housing tax credits and other tax benefits, amount	176	77	26
Affordable housing tax credits, amount	157	60	$ 22
Variable Interest Entity, Not Primary Beneficiary | Total tax credit equity investments
Variable Interest Entity [Line Items]
Total assets	1,890	603
Variable Interest Entity, Not Primary Beneficiary | Affordable housing tax credit investments
Variable Interest Entity [Line Items]
Total assets	1,887	598
Variable Interest Entity, Not Primary Beneficiary | Other tax credit equity investments
Variable Interest Entity [Line Items]
Total assets	3	5
Variable Interest Entity, Not Primary Beneficiary | Other unconsolidated investments
Variable Interest Entity [Line Items]
Total assets	162	159
Variable Interest Entity, Not Primary Beneficiary | Commitments to tax credit investments
Variable Interest Entity [Line Items]
Liabilities	$ 947	$ 295

Other Assets - Components of Ot

Other Assets - Components of Other Assets (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Affordable housing tax credit and other unconsolidated investments	$ 2,052	$ 762
Accrued interest receivable	832	329
Fair value of derivative financial instruments	640	159
Pension assets	474	343
Right of use assets for operating leases, net	354	345
Income tax receivable	209	275
Counterparty receivables	114	98
Bank-owned life insurance	105	586
Nonmarketable equity securities	103	58
Other real estate owned	58	47
Mortgage servicing rights	25	25	$ 23	$ 18
Federal Home Loan Bank stock	20	197
Other	871	1,145
Total other assets	$ 5,857	4,369
Other Assets, Miscellaneous
Other Assets [Line Items]
Bank owned life insurance, amount terminated but not cash-settled		$ 607

Deposits - Schedule of Deposit

Deposits - Schedule of Deposit Liabilities Type (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Statistical Disclosure for Banks [Abstract]
Noninterest-bearing	$ 39,799	$ 24,922
Checking with interest	23,754	16,202
Money market	30,616	21,040
Savings	35,258	16,834
Time	16,427	10,410
Total deposits	$ 145,854	$ 89,408	$ 51,406

Deposits - Schedule of Time Dep

Deposits - Schedule of Time Deposit Maturities (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Statistical Disclosure for Banks [Abstract]
2024	$ 15,175
2025	1,126
2026	74
2027	34
2028	18
Thereafter	0
Total time deposits	$ 16,427	$ 10,410

Deposits - Narrative (Details)

Deposits - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Statistical Disclosure for Banks [Abstract]
Time deposits with a denomination of $250,000 or more	$ 4,160	$ 2,220

Borrowings - Schedule of Short-

Borrowings - Schedule of Short-term Borrowings (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Debt Disclosure [Abstract]
Securities sold under customer repurchase agreements	$ 485	$ 436
Notes payable to FHLB of Atlanta at overnight SOFR plus spreads ranging from 0.19% to 0.20%.	0	1,750
Total short-term borrowings	$ 485	$ 2,186
Short-Term Notes Payable | Secured Overnight Financing Rate | Minimum
Short-term Debt [Line Items]
Basis spread on variable rate	0.19%
Short-Term Notes Payable | Secured Overnight Financing Rate | Maximum
Short-term Debt [Line Items]
Basis spread on variable rate	0.20%

Borrowings - Narrative (Details

Borrowings - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Debt Instrument [Line Items]
Securities sold under customer repurchase agreements	$ 485	$ 436
Asset Pledged as Collateral | Securities Assets
Debt Instrument [Line Items]
Securities sold under customer repurchase agreements	$ 502	$ 496

Borrowings - Schedule of Long-t

Borrowings - Schedule of Long-term Borrowings (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Debt Instrument [Line Items]
Capital lease obligations	$ 9	$ 7
Unamortized issuance costs	0	(1)
Unamortized purchase accounting adjustments	(163)	87
Total long-term borrowings	$ 37,169	4,459
Parent | Fixed-to-Floating subordinated notes at 3.375% | Subordinated Debt
Debt Instrument [Line Items]
Debt instrument, stated interest rate	3.375%
Long-term debt, gross	$ 350	350
Parent | Junior subordinated debentures at 3-month LIBOR plus 2.25% (FCB/SC Capital Trust II) (2) | Subordinated Debt
Debt Instrument [Line Items]
Long-term debt, gross	$ 20	20
Parent | Junior subordinated debentures at 3-month LIBOR plus 2.25% (FCB/SC Capital Trust II) (2) | Subordinated Debt | London Interbank Offered Rate (LIBOR)
Debt Instrument [Line Items]
Basis spread on variable rate	2.25%
Parent | Junior subordinated debentures at 3-month LIBOR plus 1.75% (FCB/NC Capital Trust III) | Subordinated Debt
Debt Instrument [Line Items]
Long-term debt, gross	$ 0	88
Parent | Junior subordinated debentures at 3-month LIBOR plus 1.75% (FCB/NC Capital Trust III) | Subordinated Debt | London Interbank Offered Rate (LIBOR)
Debt Instrument [Line Items]
Basis spread on variable rate	1.75%
Subsidiaries: | Senior unsecured fixed-to-floating rate notes at 3.929% | Senior Notes
Debt Instrument [Line Items]
Debt instrument, stated interest rate	3.929%
Long-term debt, gross	$ 0	500
Subsidiaries: | Senior unsecured fixed-to-floating rate notes at 2.969% | Senior Notes
Debt Instrument [Line Items]
Debt instrument, stated interest rate	2.969%
Long-term debt, gross	$ 316	315
Subsidiaries: | Fixed senior unsecured notes at 6.00% | Senior Notes
Debt Instrument [Line Items]
Debt instrument, stated interest rate	6%
Long-term debt, gross	$ 51	51
Subsidiaries: | Fixed subordinated notes at 6.125% | Subordinated Debt
Debt Instrument [Line Items]
Debt instrument, stated interest rate	6.125%
Long-term debt, gross	$ 404	400
Subsidiaries: | Fixed-to-Fixed subordinated notes at 4.125% | Subordinated Debt
Debt Instrument [Line Items]
Debt instrument, stated interest rate	4.125%
Long-term debt, gross	$ 100	100
Subsidiaries: | Junior subordinated debentures at 3-month LIBOR plus 2.80% (Macon Capital Trust I) | Subordinated Debt
Debt Instrument [Line Items]
Long-term debt, gross	$ 0	14
Subsidiaries: | Junior subordinated debentures at 3-month LIBOR plus 2.80% (Macon Capital Trust I) | Subordinated Debt | London Interbank Offered Rate (LIBOR)
Debt Instrument [Line Items]
Basis spread on variable rate	2.80%
Subsidiaries: | Junior subordinated debentures at 3-month LIBOR plus 2.85% (SCB Capital Trust I) (2) | Subordinated Debt
Debt Instrument [Line Items]
Long-term debt, gross	$ 10	10
Subsidiaries: | Junior subordinated debentures at 3-month LIBOR plus 2.85% (SCB Capital Trust I) (2) | Subordinated Debt | London Interbank Offered Rate (LIBOR)
Debt Instrument [Line Items]
Basis spread on variable rate	2.85%
Subsidiaries: | Notes payable to FHLB of Atlanta at overnight SOFR plus spreads ranging from 0.24% to 0.34% | Secured Debt
Debt Instrument [Line Items]
Long-term debt, gross	$ 0	2,500
Subsidiaries: | Notes payable to FHLB of Atlanta at overnight SOFR plus spreads ranging from 0.24% to 0.34% | Secured Debt | Secured Overnight Financing Rate | Minimum
Debt Instrument [Line Items]
Basis spread on variable rate	0.24%
Subsidiaries: | Notes payable to FHLB of Atlanta at overnight SOFR plus spreads ranging from 0.24% to 0.34% | Secured Debt | Secured Overnight Financing Rate | Maximum
Debt Instrument [Line Items]
Basis spread on variable rate	0.34%
Subsidiaries: | Fixed senior unsecured notes at 3.50% | Secured Debt
Debt Instrument [Line Items]
Debt instrument, stated interest rate	3.50%
Long-term debt, gross	$ 36,072	0
Subsidiaries: | Other secured financings | Secured Debt
Debt Instrument [Line Items]
Long-term debt, gross	$ 0	$ 18

Borrowings - Schedule of Maturi

Borrowings - Schedule of Maturities of Long-term Debt (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Debt Disclosure [Abstract]
2024	$ (34)
2025	282
2026	(38)
2027	(37)
2028	36,461
Thereafter	535
Total long-term borrowings	$ 37,169	$ 4,459

Derivative Financial Instrume_3

Derivative Financial Instruments - Schedule of Derivative Instruments (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Asset Fair Value
Asset Fair Value	$ 640	$ 159
Less: Gross amounts offset in the Consolidated Balance Sheets, Asset Fair Value	0	0
Derivative assets	640	159
Less: Amounts subject to master netting agreements, Asset Fair Value	(97)	(13)
Less: Cash collateral pledged (received) subject to master netting agreements	(405)	(124)
Total net derivative fair value, Asset Fair Value	138	22
Liability Fair Value
Liability Fair Value	(636)	(486)
Less: Gross amounts offset in the Consolidated Balance Sheets, Liability Fair Value	0	0
Derivative liability	(636)	(486)
Less: Amounts subject to master netting agreements, Asset Liability Value	97	13
Less: Cash collateral pledged(received) subject to master netting agreements	39	0
Total net derivative fair value, Liability Fair Value	(500)	(473)
Variation margin, amount reducing derivative asset	66	376
Variation margin, amount reducing derivative liability	37	19
Qualifying Hedges
Liability Fair Value
Derivative instruments and hedges, assets	4
Derivative instruments and hedges, liabilities	0
Qualifying Hedges | Interest rate contracts
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional Amount	815	0
Asset Fair Value
Asset Fair Value	0	0
Liability Fair Value
Liability Fair Value	0	0
Non-qualifying Hedges
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional Amount	34,673	18,805
Asset Fair Value
Asset Fair Value	640	159
Liability Fair Value
Liability Fair Value	(636)	(486)
Non-qualifying Hedges | Interest rate contracts
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional Amount	24,548	18,173
Asset Fair Value
Asset Fair Value	530	158
Liability Fair Value
Liability Fair Value	(518)	(482)
Non-qualifying Hedges | Foreign currency forward contracts
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional Amount	9,142	125
Asset Fair Value
Asset Fair Value	104	1
Liability Fair Value
Liability Fair Value	(117)	(4)
Non-qualifying Hedges | Foreign exchange spot contracts
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional Amount	179	0
Liability Fair Value
Net fair value	0	0
Non-qualifying Hedges | Other contracts
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional Amount	983	507
Asset Fair Value
Asset Fair Value	6	0
Liability Fair Value
Liability Fair Value	$ (1)	$ 0

Derivative Financial Instrume_4

Derivative Financial Instruments - Schedule of Derivative Instruments Qualifying Hedges (Details) - Qualifying Hedges - Interest rate contracts - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Recognized on derivatives	$ 4	$ 0	$ 0
Recognized on hedged item	(5)	0	0
Total qualifying hedges - income statement impact	$ (1)	$ 0	$ 0

Derivative Financial Instrume_5

Derivative Financial Instruments - Fair Value Hedges (Details) - Long-term borrowings - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Fair Value, Option, Quantitative Disclosures [Line Items]
Carrying Value of Hedged Items	$ 879	$ 0
Currently Designated
Fair Value, Option, Quantitative Disclosures [Line Items]
Cumulative Fair Value Hedging Adjustment Included in the Carrying Value of Hedged Items	5	0
No Longer Designated
Fair Value, Option, Quantitative Disclosures [Line Items]
Cumulative Fair Value Hedging Adjustment Included in the Carrying Value of Hedged Items	$ 0	$ 0

Derivative Financial Instrume_6

Derivative Financial Instruments - Schedule of Derivative Instruments Non-Qualifying Hedges (Details) - Non-qualifying Hedges - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Gains (losses) of non-qualifying hedges	$ 25	$ 33	$ 0
Interest rate contracts
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Gains (losses) of non-qualifying hedges	32	12	0
Foreign currency forward contracts
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Gains (losses) of non-qualifying hedges	(8)	20	0
Other contracts
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Gains (losses) of non-qualifying hedges	$ 1	$ 1	$ 0

Other Liabilities - Schedule of

Other Liabilities - Schedule of Other Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Other Liabilities Disclosure [Abstract]
Deferred taxes	$ 3,579	$ 286
Commitments to fund tax credit investments	947	295
Incentive plan liabilities	676	267
Fair value of derivative financial instruments	636	486
Accrued expenses and accounts payable	397	275
Lease liabilities	396	352
Reserve for off-balance sheet credit exposure	316	106
Accrued interest payable	137	57
Other	822	464
Total other liabilities	$ 7,906	$ 2,588

Fair Value - Schedule of Fair V

Fair Value - Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	$ 19,936	$ 8,995
Marketable equity securities	84	95
Total derivative assets	640	159
Total derivative liabilities	636	486
Estimated Fair Value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	19,936	8,995
Loans held for sale	73	49
Qualifying Hedges | Estimated Fair Value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	0
Total derivative liabilities	0
Non-qualifying Hedges | Estimated Fair Value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	640	159
Total derivative liabilities	636	486
Level 1 | Estimated Fair Value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	0	0
Loans held for sale	0	0
Level 1 | Qualifying Hedges | Estimated Fair Value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	0
Total derivative liabilities	0
Level 1 | Non-qualifying Hedges | Estimated Fair Value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	0	0
Total derivative liabilities	0	0
Level 2 | Estimated Fair Value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	19,779	8,821
Loans held for sale	38	4
Level 2 | Qualifying Hedges | Estimated Fair Value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	0
Total derivative liabilities	0
Level 2 | Non-qualifying Hedges | Estimated Fair Value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	633	159
Total derivative liabilities	635	486
Level 3 | Estimated Fair Value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	157	174
Loans held for sale	35	45
Level 3 | Qualifying Hedges | Estimated Fair Value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	0
Total derivative liabilities	0
Level 3 | Non-qualifying Hedges | Estimated Fair Value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	7	0
Total derivative liabilities	1	0
U.S. Treasury
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	10,508	1,898
Residential mortgage-backed securities
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	6,686	4,795
Commercial mortgage-backed securities
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	2,131	1,604
Municipal bonds
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	12
Fair Value, Recurring
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	19,936	8,995
Marketable equity securities	84	95
Loans held for sale	38	4
Total derivative assets	640	159
Total derivative liabilities	636	486
Fair Value, Recurring | Non-qualifying Hedges
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	640
Total derivative liabilities	636
Fair Value, Recurring | Interest rate contracts | Qualifying Hedges
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	0
Total derivative liabilities	0
Fair Value, Recurring | Interest rate contracts | Non-qualifying Hedges
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	530	158
Total derivative liabilities	518	482
Fair Value, Recurring | Foreign exchange contract | Non-qualifying Hedges
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	104	1
Total derivative liabilities	117	4
Fair Value, Recurring | Other derivative | Non-qualifying Hedges
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	6
Total derivative liabilities	1
Fair Value, Recurring | Level 1
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	0	0
Marketable equity securities	36	32
Loans held for sale	0	0
Total derivative assets	0	0
Total derivative liabilities	0	0
Fair Value, Recurring | Level 1 | Non-qualifying Hedges
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	0
Total derivative liabilities	0
Fair Value, Recurring | Level 1 | Interest rate contracts | Qualifying Hedges
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	0
Total derivative liabilities	0
Fair Value, Recurring | Level 1 | Interest rate contracts | Non-qualifying Hedges
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	0	0
Total derivative liabilities	0	0
Fair Value, Recurring | Level 1 | Foreign exchange contract | Non-qualifying Hedges
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	0	0
Total derivative liabilities	0	0
Fair Value, Recurring | Level 1 | Other derivative | Non-qualifying Hedges
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	0
Total derivative liabilities	0
Fair Value, Recurring | Level 2
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	19,779	8,821
Marketable equity securities	48	63
Loans held for sale	38	4
Total derivative assets	633	159
Total derivative liabilities	635	486
Fair Value, Recurring | Level 2 | Non-qualifying Hedges
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	633
Total derivative liabilities	635
Fair Value, Recurring | Level 2 | Interest rate contracts | Qualifying Hedges
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	0
Total derivative liabilities	0
Fair Value, Recurring | Level 2 | Interest rate contracts | Non-qualifying Hedges
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	529	158
Total derivative liabilities	518	482
Fair Value, Recurring | Level 2 | Foreign exchange contract | Non-qualifying Hedges
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	104	1
Total derivative liabilities	117	4
Fair Value, Recurring | Level 2 | Other derivative | Non-qualifying Hedges
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	0
Total derivative liabilities	0
Fair Value, Recurring | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	157	174
Marketable equity securities	0	0
Loans held for sale	0	0
Total derivative assets	7	0
Total derivative liabilities	1	0
Fair Value, Recurring | Level 3 | Non-qualifying Hedges
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	7
Total derivative liabilities	1
Fair Value, Recurring | Level 3 | Interest rate contracts | Qualifying Hedges
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	0
Total derivative liabilities	0
Fair Value, Recurring | Level 3 | Interest rate contracts | Non-qualifying Hedges
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	1	0
Total derivative liabilities	0	0
Fair Value, Recurring | Level 3 | Foreign exchange contract | Non-qualifying Hedges
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	0	0
Total derivative liabilities	0	0
Fair Value, Recurring | Level 3 | Other derivative | Non-qualifying Hedges
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total derivative assets	6
Total derivative liabilities	1
Fair Value, Recurring | U.S. Treasury
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	10,508	1,898
Fair Value, Recurring | U.S. Treasury | Level 1
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	0	0
Fair Value, Recurring | U.S. Treasury | Level 2
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	10,508	1,898
Fair Value, Recurring | U.S. Treasury | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	0	0
Fair Value, Recurring | Government agency
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	117	162
Fair Value, Recurring | Government agency | Level 1
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	0	0
Fair Value, Recurring | Government agency | Level 2
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	117	162
Fair Value, Recurring | Government agency | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	0	0
Fair Value, Recurring | Residential mortgage-backed securities
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	6,686	4,795
Fair Value, Recurring | Residential mortgage-backed securities | Level 1
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	0	0
Fair Value, Recurring | Residential mortgage-backed securities | Level 2
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	6,686	4,795
Fair Value, Recurring | Residential mortgage-backed securities | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	0	0
Fair Value, Recurring | Commercial mortgage-backed securities
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	2,131	1,604
Fair Value, Recurring | Commercial mortgage-backed securities | Level 1
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	0	0
Fair Value, Recurring | Commercial mortgage-backed securities | Level 2
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	2,131	1,604
Fair Value, Recurring | Commercial mortgage-backed securities | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	0	0
Fair Value, Recurring | Corporate Bonds
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	482	536
Fair Value, Recurring | Corporate Bonds | Level 1
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	0	0
Fair Value, Recurring | Corporate Bonds | Level 2
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	325	362
Fair Value, Recurring | Corporate Bonds | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	157	$ 174
Fair Value, Recurring | Municipal bonds
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	12
Fair Value, Recurring | Municipal bonds | Level 1
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	0
Fair Value, Recurring | Municipal bonds | Level 2
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	12
Fair Value, Recurring | Municipal bonds | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	$ 0

Fair Value - Schedule of Fair_2

Fair Value - Schedule of Fair Value Measurement Inputs and Valuation Techniques (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Corporate bonds	$ 19,936	$ 8,995
Interest rate & other derivative — non-qualifying hedges	640	159
Fair value of derivative financial instruments	636	486
Fair Value, Recurring
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Corporate bonds	19,936	8,995
Interest rate & other derivative — non-qualifying hedges	640	159
Fair value of derivative financial instruments	636	486
Fair Value, Recurring | Corporate Bonds
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Corporate bonds	482	536
Fair Value, Recurring | Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Corporate bonds	157	174
Interest rate & other derivative — non-qualifying hedges	7	0
Fair value of derivative financial instruments	1	0
Fair Value, Recurring | Level 3 | Corporate Bonds
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Corporate bonds	157	$ 174
Fair Value, Recurring | Level 3 | Interest Rate and Other Derivative
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Interest rate & other derivative — non-qualifying hedges	7
Fair value of derivative financial instruments	$ 1

Fair Value - Schedule of Fair_3

Fair Value - Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation (Details) - Fair Value, Recurring - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Other Derivative Liabilities — Non-Qualifying
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	$ 0	$ 0
Purchases	0	1
Changes in FV included in earnings	0	(1)
Changes in FV included in comprehensive income	0	0
Transfers in	1	0
Transfers out	0	0
Maturity and settlements	0	0
Ending balance	1	0
Corporate Bonds
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	174	207
Purchases	0	0
Changes in FV included in earnings	0	0
Changes in FV included in comprehensive income	(8)	(19)
Transfers in	0	0
Transfers out	0	(14)
Maturity and settlements	(9)	0
Ending balance	157	174
Other Derivative Assets — Non-Qualifying
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	0
Purchases	6
Changes in FV included in earnings	1
Changes in FV included in comprehensive income	0
Transfers in	0
Transfers out	0
Maturity and settlements	0
Ending balance	$ 7	$ 0

Fair Value - Schedule of Fair_4

Fair Value - Schedule of Fair Value Option (Details) - Originated loans held for sale - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Fair Value, Option, Quantitative Disclosures [Line Items]
Loans held for sale	$ 38	$ 4
Unpaid Principal Balance	37	4
Difference	$ 1	$ 0

Fair Value - Narrative (Details

Fair Value - Narrative (Details)	12 Months Ended
	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Fair Value Disclosures [Abstract]
Fair value, option, changes in fair value, gain (loss)	$ 0	$ (3,000,000)
Fair Value, option, loans held as assets, aggregate amount in nonaccrual status	0	0
Fair value, option, loans held as assets, 90 days or more past due	0	$ 0
Minimum deposit	$ 211,000,000
Measurement Input, Discount Rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Financing receivable, measurement input	0.0859	0.0931
Minimum | Measurement Input, Discount Rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Financing receivable, measurement input	0.06
Maximum | Measurement Input, Discount Rate
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Financing receivable, measurement input	0.11

Fair Value - Schedule of Fair_5

Fair Value - Schedule of Fair Value, Assets Measured on Nonrecurring Basis (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Estimated Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 73	$ 49
Loans - collateral dependent loans	126,696	64,312
Mortgage servicing rights	42	47
Level 1 | Estimated Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	0	0
Loans - collateral dependent loans	0	0
Mortgage servicing rights	0	0
Level 2 | Estimated Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	38	4
Loans - collateral dependent loans	1,479	1,679
Mortgage servicing rights	0	0
Level 3 | Estimated Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	35	45
Loans - collateral dependent loans	125,217	62,633
Mortgage servicing rights	42	47
Fair Value, Nonrecurring | Estimated Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	12	23
Loans - collateral dependent loans	265	149
Other real estate owned	16	43
Mortgage servicing rights		0
Fair Value Measurements	293	215
Fair Value, Nonrecurring | Changes Measurement
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	(4)	(1)
Loans - collateral dependent loans	(131)	(24)
Other real estate owned	4	14
Mortgage servicing rights		1
Fair Value Measurements	(131)	(10)
Fair Value, Nonrecurring | Level 1 | Estimated Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	0	0
Loans - collateral dependent loans	0	0
Other real estate owned	0	0
Mortgage servicing rights		0
Fair Value Measurements	0	0
Fair Value, Nonrecurring | Level 2 | Estimated Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	0	0
Loans - collateral dependent loans	0	0
Other real estate owned	0	0
Mortgage servicing rights		0
Fair Value Measurements	0	0
Fair Value, Nonrecurring | Level 3 | Estimated Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	12	23
Loans - collateral dependent loans	265	149
Other real estate owned	16	43
Mortgage servicing rights		0
Fair Value Measurements	$ 293	$ 215

Fair Value - Schedule of Carryi

Fair Value - Schedule of Carrying Values and Estimated Fair Values for Financial Instruments (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Financial Assets
Investment in marketable equity securities	$ 84	$ 95
Investment securities available for sale	19,936	8,995
Investment securities held to maturity	9,979	10,279
Interest rate & other derivative — non-qualifying hedges	640	159
Financial Liabilities
Fair value of derivative financial instruments	636	486
Carrying Value
Financial Assets
Cash and due from banks	908	518
Interest-earning deposits at banks	33,609	5,025
Securities purchased under agreements to resell	473
Investment in marketable equity securities	84	95
Investment securities available for sale	19,936	8,995
Investment securities held to maturity	9,979	10,279
Loans held for sale	73	52
Net loans	129,545	67,720
Accrued interest receivable	832	329
Federal Home Loan Bank stock	20	197
Mortgage servicing rights	25	25
Financial Liabilities
Deposits with no stated maturity	129,427	78,798
Time deposits	16,427	10,610
Credit balances of factoring clients	1,089	995
Securities sold under customer repurchase agreements	485	436
Other short-term debt		1,750
Long-term borrowings	37,160	4,452
Accrued interest payable	137	57
Carrying Value | Qualifying Hedges
Financial Assets
Interest rate & other derivative — non-qualifying hedges	0
Financial Liabilities
Fair value of derivative financial instruments	0
Carrying Value | Non-qualifying Hedges
Financial Assets
Interest rate & other derivative — non-qualifying hedges	640	159
Financial Liabilities
Fair value of derivative financial instruments	636	486
Estimated Fair Value
Financial Assets
Cash and due from banks	908	518
Interest-earning deposits at banks	33,609	5,025
Securities purchased under agreements to resell	473
Investment in marketable equity securities	84	95
Investment securities available for sale	19,936	8,995
Investment securities held to maturity	8,503	8,795
Loans held for sale	73	49
Net loans	126,696	64,312
Accrued interest receivable	832	329
Federal Home Loan Bank stock	20	197
Mortgage servicing rights	42	47
Financial Liabilities
Deposits with no stated maturity	129,427	78,798
Time deposits	16,416	10,504
Credit balances of factoring clients	1,089	995
Securities sold under customer repurchase agreements	485	436
Other short-term debt		1,750
Long-term borrowings	36,816	4,330
Accrued interest payable	137	57
Estimated Fair Value | Level 1
Financial Assets
Cash and due from banks	908	518
Interest-earning deposits at banks	33,609	5,025
Securities purchased under agreements to resell	0
Investment in marketable equity securities	36	32
Investment securities available for sale	0	0
Investment securities held to maturity	0	0
Loans held for sale	0	0
Net loans	0	0
Accrued interest receivable	0	0
Federal Home Loan Bank stock	0	0
Mortgage servicing rights	0	0
Financial Liabilities
Deposits with no stated maturity	0	0
Time deposits	0	0
Credit balances of factoring clients	0	0
Securities sold under customer repurchase agreements	0	0
Other short-term debt		0
Long-term borrowings	0	0
Accrued interest payable	0	0
Estimated Fair Value | Level 2
Financial Assets
Cash and due from banks	0	0
Interest-earning deposits at banks	0	0
Securities purchased under agreements to resell	473
Investment in marketable equity securities	48	63
Investment securities available for sale	19,779	8,821
Investment securities held to maturity	8,503	8,795
Loans held for sale	38	4
Net loans	1,479	1,679
Accrued interest receivable	832	329
Federal Home Loan Bank stock	20	197
Mortgage servicing rights	0	0
Financial Liabilities
Deposits with no stated maturity	129,427	78,798
Time deposits	16,416	10,504
Credit balances of factoring clients	0	0
Securities sold under customer repurchase agreements	485	436
Other short-term debt		1,750
Long-term borrowings	36,816	4,312
Accrued interest payable	137	57
Estimated Fair Value | Level 3
Financial Assets
Cash and due from banks	0	0
Interest-earning deposits at banks	0	0
Securities purchased under agreements to resell	0
Investment in marketable equity securities	0	0
Investment securities available for sale	157	174
Investment securities held to maturity	0	0
Loans held for sale	35	45
Net loans	125,217	62,633
Accrued interest receivable	0	0
Federal Home Loan Bank stock	0	0
Mortgage servicing rights	42	47
Financial Liabilities
Deposits with no stated maturity	0	0
Time deposits	0	0
Credit balances of factoring clients	1,089	995
Securities sold under customer repurchase agreements	0	0
Other short-term debt		0
Long-term borrowings	0	18
Accrued interest payable	0	0
Estimated Fair Value | Qualifying Hedges
Financial Assets
Interest rate & other derivative — non-qualifying hedges	0
Financial Liabilities
Fair value of derivative financial instruments	0
Estimated Fair Value | Qualifying Hedges | Level 1
Financial Assets
Interest rate & other derivative — non-qualifying hedges	0
Financial Liabilities
Fair value of derivative financial instruments	0
Estimated Fair Value | Qualifying Hedges | Level 2
Financial Assets
Interest rate & other derivative — non-qualifying hedges	0
Financial Liabilities
Fair value of derivative financial instruments	0
Estimated Fair Value | Qualifying Hedges | Level 3
Financial Assets
Interest rate & other derivative — non-qualifying hedges	0
Financial Liabilities
Fair value of derivative financial instruments	0
Estimated Fair Value | Non-qualifying Hedges
Financial Assets
Interest rate & other derivative — non-qualifying hedges	640	159
Financial Liabilities
Fair value of derivative financial instruments	636	486
Estimated Fair Value | Non-qualifying Hedges | Level 1
Financial Assets
Interest rate & other derivative — non-qualifying hedges	0	0
Financial Liabilities
Fair value of derivative financial instruments	0	0
Estimated Fair Value | Non-qualifying Hedges | Level 2
Financial Assets
Interest rate & other derivative — non-qualifying hedges	633	159
Financial Liabilities
Fair value of derivative financial instruments	635	486
Estimated Fair Value | Non-qualifying Hedges | Level 3
Financial Assets
Interest rate & other derivative — non-qualifying hedges	7	0
Financial Liabilities
Fair value of derivative financial instruments	$ 1	$ 0

Stockholders' Equity - Schedule

Stockholders' Equity - Schedule of Common Stock Outstanding Roll Forward (Details) - shares	3 Months Ended	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2023	Dec. 31, 2022
Increase (Decrease) In Common Stock [Roll Forward]
Shares purchased under authorized repurchase plan (in shares)			(1,500,000)
Class A
Increase (Decrease) In Common Stock [Roll Forward]
Common stock beginning balance (in shares)		13,501,017	8,811,220
Common stock issuance - CIT Merger (in shares)	0		6,140,010
Restricted stock units vested, net of shares held to cover taxes (in shares)		13,916	49,787
Shares purchased under authorized repurchase plan (in shares)	0		(1,500,000)
Common stock ending balance (in shares)	13,501,017	13,514,933	13,501,017
Class B
Increase (Decrease) In Common Stock [Roll Forward]
Common stock beginning balance (in shares)		1,005,185	1,005,185
Common stock issuance - CIT Merger (in shares)		0	0
Restricted stock units vested, net of shares held to cover taxes (in shares)		0	0
Shares purchased under authorized repurchase plan (in shares)		0	0
Common stock ending balance (in shares)	1,005,185	1,005,185	1,005,185

Stockholders' Equity - Narrativ

Stockholders' Equity - Narrative (Details) $ / shares in Units, $ in Millions		12 Months Ended
	Mar. 12, 2020 USD ($) $ / shares shares	Dec. 31, 2023 shares	Apr. 25, 2023 shares	Apr. 24, 2023 shares	Dec. 31, 2022 shares	Jan. 03, 2022
Class of Stock [Line Items]
Depositary shares, shares issued (in shares)	13,800,000
Depository Shares, percentage of preferred stock	0.025
Depository shares, equivalent value per preferred share | $ / shares	$ 1,000
Depositary shares, shares issued, value | $	$ 345
Preferred stock, shares authorized (in shares)		20,000,000	20,000,000	10,000,000	10,000,000
Class A
Class of Stock [Line Items]
Common stock, voting right per share		1
Common stock, shares authorized (in shares)		32,000,000	32,000,000	16,000,000	16,000,000
Class B
Class of Stock [Line Items]
Common stock, voting right per share		16
Common stock, shares authorized (in shares)		2,000,000			2,000,000
Depositary Shares, Each Representing a 1/40th Interest in a Share of 5.375% Non-Cumulative Perpetual Preferred Stock, Series A
Class of Stock [Line Items]
Dividend	5.375%	5.375%
Preferred stock, shares authorized (in shares)		345,000
Series B Preferred Stock
Class of Stock [Line Items]
Preferred stock, shares authorized (in shares)		325,000
Series B Preferred Stock | CIT Group Inc.
Class of Stock [Line Items]
Common stock, terms of conversion, conversion ratio						1
Series C Preferred Stock
Class of Stock [Line Items]
Dividend		5.625%
Preferred stock, shares authorized (in shares)		8,000,000
Series C Preferred Stock | CIT Group Inc.
Class of Stock [Line Items]
Common stock, terms of conversion, conversion ratio						1

Stockholders' Equity - Schedu_2

Stockholders' Equity - Schedule of Preferred Stock and Depositary Shares (Details) - USD ($)		12 Months Ended
	Mar. 12, 2020	Dec. 31, 2023	Apr. 25, 2023	Apr. 24, 2023	Dec. 31, 2022
Class of Stock [Line Items]
Preferred stock, par value (in dollars per share)		$ 0.01			$ 0.01
Preferred stock, shares authorized (in shares)		20,000,000	20,000,000	10,000,000	10,000,000
Series A Preferred Stock
Class of Stock [Line Items]
Preferred stock, par value (in dollars per share)		$ 0.01
Preferred stock, shares authorized (in shares)		345,000
Preferred stock, shares issued (in shares)		345,000
Preferred stock, shares outstanding (in shares)		345,000
Liquidation preference per share (in dollars per share)		$ 1,000
Total Liquidation Preference		$ 345,000,000
Dividend	5.375%	5.375%
Series B Preferred Stock
Class of Stock [Line Items]
Preferred stock, par value (in dollars per share)		$ 0.01
Preferred stock, shares authorized (in shares)		325,000
Preferred stock, shares issued (in shares)		325,000
Preferred stock, shares outstanding (in shares)		325,000
Liquidation preference per share (in dollars per share)		$ 1,000
Total Liquidation Preference		$ 325,000,000
Series B Preferred Stock | Secured Overnight Financing Rate
Class of Stock [Line Items]
Dividend, basis spread on variable rate		3.972%
Series C Preferred Stock
Class of Stock [Line Items]
Preferred stock, par value (in dollars per share)		$ 0.01
Preferred stock, shares authorized (in shares)		8,000,000
Preferred stock, shares issued (in shares)		8,000,000
Preferred stock, shares outstanding (in shares)		8,000,000
Liquidation preference per share (in dollars per share)		$ 25
Total Liquidation Preference		$ 200,000,000
Dividend		5.625%

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive (Loss) Income - Schedule of Accumulated Other Comprehensive (Loss) Income (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Accumulated Other Comprehensive Income (Loss) [Line Items]
Pretax	$ (637)	$ (967)
Income Taxes	146	232
Net of Income Taxes	(491)	(735)
Unrealized loss on securities available for sale
Accumulated Other Comprehensive Income (Loss) [Line Items]
Pretax	(752)	(972)
Income Taxes	175	233
Net of Income Taxes	(577)	(739)
Unrealized loss on securities available for sale transferred to held to maturity
Accumulated Other Comprehensive Income (Loss) [Line Items]
Pretax	(7)	(8)
Income Taxes	2	2
Net of Income Taxes	(5)	(6)
Defined benefit pension items
Accumulated Other Comprehensive Income (Loss) [Line Items]
Pretax	122	13
Income Taxes	(31)	(3)
Net of Income Taxes	$ 91	$ 10

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive (Loss) Income - Schedule of Changes in Components of AOCI (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance, shareholders' equity	$ 9,662	$ 4,738	$ 4,229
AOCI activity before reclassifications	224	(755)
Amounts reclassified from AOCI to earnings	20	10
Other comprehensive income (loss), net of tax	244	(745)	(2)
Ending balance, shareholders' equity	21,255	9,662	4,738
Total accumulated other comprehensive (loss) income
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance, shareholders' equity	(735)	10	12
Other comprehensive income (loss), net of tax	244	(745)	(2)
Ending balance, shareholders' equity	(491)	(735)	10
Unrealized loss on securities available for sale
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance, shareholders' equity	(739)	(9)
AOCI activity before reclassifications	143	(730)
Amounts reclassified from AOCI to earnings	19	0
Other comprehensive income (loss), net of tax	162	(730)
Ending balance, shareholders' equity	(577)	(739)	(9)
Unrealized loss on securities available for sale transferred to held to maturity
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance, shareholders' equity	(6)	(7)
AOCI activity before reclassifications	0	0
Amounts reclassified from AOCI to earnings	1	1
Other comprehensive income (loss), net of tax	1	1
Ending balance, shareholders' equity	(5)	(6)	(7)
Defined benefit pension items
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance, shareholders' equity	10	26
AOCI activity before reclassifications	81	(25)
Amounts reclassified from AOCI to earnings	0	9
Other comprehensive income (loss), net of tax	81	(16)
Ending balance, shareholders' equity	$ 91	$ 10	$ 26

Accumulated Other Comprehensi_5

Accumulated Other Comprehensive (Loss) Income - Schedule of Pretax and After-tax Components of Other Comprehensive Income (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Accumulated Other Comprehensive Income (Loss) [Line Items]
AOCI activity before reclassification, net amount	$ 224	$ (755)
Net realized (losses) gains on sales of investment securities available for sale	26	0	$ (33)
Benefit for investment securities available for sale credit losses	0		0
Amounts reclassified from AOCI to earnings, Net Amount	20	10
Other comprehensive income (loss) on securities available for sale, gross amount	330	(980)
Other comprehensive loss on securities available for sale, gross amount, tax	(86)	235
Other comprehensive income (loss), net of tax	244	(745)	$ (2)
Unrealized gain (loss) on securities available for sale:
Accumulated Other Comprehensive Income (Loss) [Line Items]
AOCI activity before reclassification, gross amount	194	(960)
AOCI activity before reclassification, tax	(51)	230
AOCI activity before reclassification, net amount	143	(730)
Other comprehensive income (loss) on securities available for sale, gross amount	220	(960)
Other comprehensive loss on securities available for sale, gross amount, tax	(58)	230
Other comprehensive income (loss), net of tax	162	(730)
Unrealized gain (loss) on securities available for sale: | Realized loss on sale of investment securities available for sale
Accumulated Other Comprehensive Income (Loss) [Line Items]
Amounts reclassified from AOCI to earnings, gross amount	26	0
Amounts reclassified from AOCI to earnings, tax	(7)	0
Amounts reclassified from AOCI to earnings, Net Amount	19	0
Unrealized loss on securities available for sale transferred to held to maturity
Accumulated Other Comprehensive Income (Loss) [Line Items]
AOCI activity before reclassification, gross amount	0	0
AOCI activity before reclassification, tax	0	0
AOCI activity before reclassification, net amount	0	0
Amounts reclassified from AOCI to earnings, Net Amount	1	1
Other comprehensive income (loss) on securities available for sale, gross amount	1	1
Other comprehensive loss on securities available for sale, gross amount, tax	0	0
Other comprehensive income (loss), net of tax	1	1
Unrealized loss on securities available for sale transferred to held to maturity | Interest on investment securities
Accumulated Other Comprehensive Income (Loss) [Line Items]
Amounts reclassified from AOCI to earnings, gross amount	1	1
Amounts reclassified from AOCI to earnings, tax	0	0
Amounts reclassified from AOCI to earnings, Net Amount	1	1
Defined benefit pension items
Accumulated Other Comprehensive Income (Loss) [Line Items]
AOCI activity before reclassification, gross amount	109	(33)
AOCI activity before reclassification, tax	(28)	8
AOCI activity before reclassification, net amount	81	(25)
Amounts reclassified from AOCI to earnings, Net Amount	0	9
Other comprehensive income (loss) on securities available for sale, gross amount	109	(21)
Other comprehensive loss on securities available for sale, gross amount, tax	(28)	5
Other comprehensive income (loss), net of tax	81	(16)
Defined benefit pension items | Other noninterest expense
Accumulated Other Comprehensive Income (Loss) [Line Items]
Amounts reclassified from AOCI to earnings, gross amount	0	12
Amounts reclassified from AOCI to earnings, tax	0	(3)
Amounts reclassified from AOCI to earnings, Net Amount	$ 0	$ 9

Regulatory Capital - Schedule o

Regulatory Capital - Schedule of Regulatory Capital Ratio (Details)	Dec. 31, 2023
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Basel III Minimums, Total risk-based capital	0.0800
Basel III Minimums, Tier 1 risk-based capital	0.0600
Basel III Minimums, Common equity Tier 1	0.0450
Basel III Minimums, Tier 1 leverage	0.0400
Basel III Requirements, Total risk-based capital	0.1050
Basel III Requirements, Tier 1 risk-based capital	0.0850
Basel III Requirements, Common equity Tier 1	0.0700
Basel III Requirements, Tier 1 leverage	0.0400

Regulatory Capital - Schedule_2

Regulatory Capital - Schedule of Basel III Requirements and the PCA well-capitalized Thresholds (Details) $ in Millions	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Basel III Requirements, Total risk-based capital	0.1050
Basel III Requirements, Tier 1 risk-based capital	0.0850
Basel III Requirements, Common equity Tier 1	0.0700
Basel III Requirements, Tier 1 leverage	0.0400
PCA well-capitalized thresholds, Total risk-based capital	0.1000
PCA well-capitalized thresholds, Tier 1 risk-based capital	0.0800
PCA well-capitalized thresholds, Common equity Tier 1	0.0650
PCA well-capitalized thresholds, Tier 1 leverage	0.0500
Total risk-based capital, amount	$ 23,891	$ 11,799
Tier 1 risk-based capital, amount	21,150	9,902
Common equity Tier 1, amount	20,270	9,021
Tier 1 leverage, amount	$ 21,150	$ 9,902
Total risk-based capital, Ratio	0.1575	0.1318
Tier 1 risk-based capital, Ratio	0.1394	0.1106
Common equity Tier 1, Ratio	0.1336	0.1008
Tier 1 leverage, Ratio	0.0983	0.0899
FCB
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Basel III Requirements, Total risk-based capital	0.1050
Basel III Requirements, Tier 1 risk-based capital	0.0850
Basel III Requirements, Common equity Tier 1	0.0700
Basel III Requirements, Tier 1 leverage	0.0400
PCA well-capitalized thresholds, Total risk-based capital	0.1000
PCA well-capitalized thresholds, Tier 1 risk-based capital	0.0800
PCA well-capitalized thresholds, Common equity Tier 1	0.0650
PCA well-capitalized thresholds, Tier 1 leverage	0.0500
Total risk-based capital, amount	$ 23,600	$ 11,627
Tier 1 risk-based capital, amount	21,227	10,186
Common equity Tier 1, amount	21,227	10,186
Tier 1 leverage, amount	$ 21,227	$ 10,186
Total risk-based capital, Ratio	0.1556	0.1299
Tier 1 risk-based capital, Ratio	0.1399	0.1138
Common equity Tier 1, Ratio	0.1399	0.1138
Tier 1 leverage, Ratio	0.0988	0.0925

Regulatory Capital - Narrative

Regulatory Capital - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Capital conservation buffer	7.75%	5.06%
FCB
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Capital conservation buffer	7.56%	4.99%
Dividend restrictions, additional maximum amount of distribution	$ 8,430
Payments of dividends	$ 367

Earnings Per Common Share - Sch

Earnings Per Common Share - Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Earnings Per Share [Abstract]
Net income	$ 11,466	$ 1,098	$ 547
Preferred stock dividends	59	50	18
Net income available to common stockholders, basic	11,407	1,048	529
Net income available to common shareholders, diluted	$ 11,407	$ 1,048	$ 529
Weighted average common shares outstanding
Basic shares outstanding (in shares)	14,527,902	15,531,924	9,816,405
Stock-based award (in shares)	11,711	18,020	0
Diluted shares outstanding (in shares)	14,539,613	15,549,944	9,816,405
Earnings per common share, basic (in dollars per share)	$ 785.14	$ 67.47	$ 53.88
Earnings per common share, diluted (in dollars per share)	$ 784.51	$ 67.40	$ 53.88

Income Taxes - Schedule of Comp

Income Taxes - Schedule of Components of Income Tax Expense (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Current U.S. federal income tax provision	$ 400	$ 58	$ 140
Deferred U.S. federal income tax provision / (benefit)	46	170	(6)
Total federal income tax provision	446	228	134
Current state and local income tax provision	372	4	21
Deferred state and local income tax (benefit) / provision	(222)	23	(1)
Total state and local income tax provision	150	27	20
Total non-U.S. income tax provision	15	9	0
Total provision for income taxes	$ 611	$ 264	$ 154

Income Taxes - Schedule of Effe

Income Taxes - Schedule of Effective Income Tax Rate Reconciliation (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Pretax Income	$ 12,077	$ 1,362	$ 701
Income Tax Expense (Benefit)
Federal income taxes and rate	2,536	286	147
State and local income taxes, net of federal income tax benefit	804	53	16
Gain on acquisition	(2,703)	(105)	0
Domestic tax credits	(26)	(20)	(5)
Effect of BOLI surrender	0	48	0
Deferred tax liability adjustment	11	(8)	0
Difference in tax rates applicable to non-U.S. earnings	1	1	0
Repayment of claim of right income	0	0	(2)
Valuation allowances	(40)	(5)	0
Other	28	14	(2)
Total provision for income taxes	$ 611	$ 264	$ 154
Percentage of Pretax Income
Federal income taxes and rate	21%	21%	21%
State and local income taxes, net of federal income tax benefit	6.70%	3.90%	2.20%
Gain on acquisition	(22.40%)	(7.70%)	0%
Domestic tax credits	(0.20%)	(1.50%)	(0.70%)
Effect of BOLI surrender	0%	3.50%	0%
Deferred tax liability adjustment	0.10%	(0.60%)	0%
Difference in tax rates applicable to non-U.S. earnings	0%	0.10%	0%
Repayment of claim of right income	0%	0%	(0.30%)
Valuation allowances	(0.30%)	(0.40%)	0%
Other	0.20%	1.10%	(0.20%)
Provision for income taxes and effective tax rate	5.10%	19.40%	22%

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Jan. 03, 2022	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Amount of unrecognized deferred tax liability, reinvested earnings of foreign subsidiaries	$ 18
Reinvested earnings of foreign subsidiaries	670
Operating Loss Carryforwards [Line Items]
Net operating loss carry forwards	118	$ 358
Domestic tax credits	21	176
Deferred tax assets, valuation allowance	28	70
Unrecognized tax benefits, income tax penalties and interest accrued	3
Unrecognized tax benefits	31	30		$ 31
Decrease in unrecognized tax benefits is reasonably possible	10
CIT Group Inc.
Operating Loss Carryforwards [Line Items]
Deferred tax liabilities			$ 300
Domestic Tax Authority | Internal Revenue Service (IRS)
Operating Loss Carryforwards [Line Items]
Domestic tax credits	16
State and Local Jurisdiction
Operating Loss Carryforwards [Line Items]
Net operating loss carry forwards	98
Operating loss carryforwards	1,730
Domestic tax credits	5
Deferred tax assets, valuation allowance	28
Foreign Tax Authority
Operating Loss Carryforwards [Line Items]
Net operating loss carry forwards	20
Operating loss carryforwards	$ 85
Deferred tax assets, valuation allowance		$ 3

Income Taxes - Schedule of Co_2

Income Taxes - Schedule of Components of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Deferred Tax Assets:
Net operating loss carry forwards	$ 118	$ 358
Basis difference in loans	0	57
Allowance for loan and lease losses	542	252
Accrued liabilities and reserves	104	37
Deferred compensation	152	51
Lease liabilities	115	92
Domestic tax credits	21	176
Mark to market adjustments	21	28
Capitalized costs	75	15
Net unrealized loss on investment securities available for sale	235	275
Other	42	48
Total gross deferred tax assets	1,425	1,389
Deferred Tax Liabilities:
Operating leases	(1,729)	(1,311)
Basis difference in loans	(2,598)	0
Right of use assets for operating leases	(110)	(86)
Loans and direct financing leases	(260)	(43)
Deferred BOLI gain	0	(15)
Intangibles	(56)	(5)
Nonmarketable equity securities	(14)	(9)
Fixed assets	(17)	(6)
Pension assets	(110)	(54)
Prepaid expenses	(14)	(14)
Market discount accretion	(33)	(35)
Other	(35)	(27)
Total deferred tax liabilities	(4,976)	(1,605)
Total net deferred tax liability before valuation allowances	(3,551)	(216)
Less: valuation allowances	(28)	(70)
Net deferred tax liability after valuation allowances	$ (3,579)	$ (286)

Income Taxes - Schedule of Unre

Income Taxes - Schedule of Unrecognized Tax Benefits (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Balance at beginning of period	$ 30	$ 31
Additions for tax positions related to prior years	5	1
Reductions for tax positions of prior years	0	(2)
Expiration of statutes of limitations	(2)	(1)
Settlements	(2)	(5)
Balance at end of period	31	30
CIT Group Inc.
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Effect of CIT Merger	0	6
Liabilities for Unrecognized Tax Benefits
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Balance at beginning of period	27
Additions for tax positions related to prior years	4
Reductions for tax positions of prior years	0
Expiration of statutes of limitations	(2)
Settlements	(1)
Balance at end of period	28	27
Liabilities for Unrecognized Tax Benefits | CIT Group Inc.
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Effect of CIT Merger	0
Interest / Penalties
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Balance at beginning of period	3
Additions for tax positions related to prior years	1
Reductions for tax positions of prior years	0
Expiration of statutes of limitations	0
Settlements	(1)
Balance at end of period	3	$ 3
Interest / Penalties | CIT Group Inc.
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Effect of CIT Merger	$ 0

Employee Benefit Plans - Narrat

Employee Benefit Plans - Narrative (Details)	12 Months Ended
	Dec. 31, 2023 USD ($) defined_benefit_plan	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Jan. 03, 2022 retirement_plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of defined benefit pension plans | defined_benefit_plan	3
Interest crediting rate	4.25%	1.50%
Pension assets	$ 474,000,000	$ 343,000,000
Defined benefit plan, accumulated benefit obligation	1,120,000,000	1,070,000,000
Defined contribution plan, cost	$ 114,000,000	55,000,000	$ 36,000,000
Deferred compensation arrangement with individual, maximum contractual term	10 years
Incentive plan liabilities	$ 676,000,000	267,000,000
Postretirement Plans
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Employer contributions	0	0
Number of retirement plans assumed | retirement_plan				4
Plan termination	0	27,000,000
BancShares Pension Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Employer contributions	$ 0	0
Vesting period	5 years
Number of consecutive years	5 years
Calculation of postretirement benefits, term	10 years
Bancorporation Pension Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Employer contributions	$ 0	0
Vesting period	5 years
Number of consecutive years	5 years
Calculation of postretirement benefits, term	10 years
CIT Pension Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Employer contributions	$ 0	0
Supplemental and Executive Retirement Plans
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Employer contributions	$ 0	$ 0
Interest crediting rate	3.90%	1.90%
401(k) Contribution Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of defined benefit pension plans | defined_benefit_plan	2
FCB Legacy 401(k) Plan | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Defined contribution plan, employer matching contribution, percent of employees' gross pay	4.50%
FCB 401(k) Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Defined contribution plan, employer matching contribution, percent of match	100%
Defined contribution plan, employer non-elective contribution, vesting period	3 years
FCB 401(k) Plan | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Defined contribution plan, employer matching contribution, percent of employees' gross pay	6%
CIT 401(k) Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Defined contribution plan, employer matching contribution, percent of match	100%
CIT 401(k) Plan | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Defined contribution plan, employer matching contribution, percent of employees' gross pay	4%
Defined Contribution Plan, Employer Matching Contribution, First Portion | FCB Legacy 401(k) Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Defined contribution plan, employer matching contribution, percent of match	100%
Defined contribution plan, employer matching contribution, percent of employees' gross pay	3%
Defined Contribution Plan, Employer Matching Contribution, Next Portion | FCB Legacy 401(k) Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Defined contribution plan, employer matching contribution, percent of match	50%
Defined contribution plan, employer matching contribution, percent of employees' gross pay	3%
Defined Contribution Plan, Employer Matching Contribution, Minimum Contribution | FCB 401(k) Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Defined contribution plan, employer matching contribution, percent of employees' gross pay	3%
RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
RSUs vesting period	3 years
RSUs vested and settled in period, fair value	$ 16,000,000	$ 64,000,000

Employee Benefit Plans - Schedu

Employee Benefit Plans - Schedule of Changes in Projected Benefit Obligations, Plan Assets and Funded Status (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Change in plan assets
Plan assets at beginning of period	$ 1,404
Plan assets at end of period	1,589	$ 1,404
Reported in Consolidated Balance Sheets
Pension assets	474	343
Retirement Plans
Change in benefit obligation
Benefit obligation at beginning of period	1,115	1,056
Projected benefit obligation of acquired plans	0	389
Service cost	9	14	$ 15
Interest cost	61	43	30
Actuarial loss (gain)	50	(324)
Benefits paid	(66)	(63)
Plan termination	0	0
Benefit obligation at end of period	1,169	1,115	1,056
Change in plan assets
Plan assets at beginning of period	1,404	1,345
Fair value of plan assets of acquired plans	0	386
Actual return (loss) on plan assets	245	(270)
Employer contributions	6	0
Benefits paid	(66)	(57)
Plan assets at end of period	1,589	1,404	1,345
Funded status at December 31	420	289
Information for Retirement Plans with a benefit obligation in excess of plan assets
Projected and accumulated benefit obligations	54	54
Reported in Consolidated Balance Sheets
Net funded status of Retirement Plans	420	289
Retirement Plans | Other Assets
Reported in Consolidated Balance Sheets
Pension assets	474	343
Retirement Plans | Other Liabilities
Reported in Consolidated Balance Sheets
Unfunded Supplemental and Executive Retirement Plans (other liabilities)	(54)	(54)
Postretirement Plans
Change in benefit obligation
Benefit obligation at beginning of period	0	0
Projected benefit obligation of acquired plans	0	28
Service cost	0	0
Interest cost	0	0
Actuarial loss (gain)	0	0
Benefits paid	0	(1)
Plan termination	0	(27)
Benefit obligation at end of period	0	0	0
Change in plan assets
Plan assets at beginning of period	0	0
Fair value of plan assets of acquired plans	0	0
Actual return (loss) on plan assets	0	0
Employer contributions	0	0
Benefits paid	0	0
Plan assets at end of period	0	0	$ 0
Funded status at December 31	0	0
Information for Retirement Plans with a benefit obligation in excess of plan assets
Projected and accumulated benefit obligations	0	0
Reported in Consolidated Balance Sheets
Net funded status of Retirement Plans	0	0
Postretirement Plans | Other Assets
Reported in Consolidated Balance Sheets
Pension assets	0	0
Postretirement Plans | Other Liabilities
Reported in Consolidated Balance Sheets
Unfunded Supplemental and Executive Retirement Plans (other liabilities)	$ 0	$ 0

Employee Benefit Plans - Sche_2

Employee Benefit Plans - Schedule of Amounts Recognized in Other Comprehensive Income (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Retirement Plans
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Net actuarial gain	$ 122	$ 13
Postretirement Plans
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Net actuarial gain	$ 0	$ 0

Employee Benefit Plans - Sche_3

Employee Benefit Plans - Schedule of Net Benefit Cost (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Retirement Plans
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Service cost	$ 9	$ 14	$ 15
Interest cost	61	43	30
Expected return on assets	(85)	(87)	(78)
Net prior service credit amortization	0	0	0
Amortization of net actuarial loss	0	12	27
Total net periodic benefit	(15)	(18)	(6)
Current year actuarial (gain) loss	(109)	33	(98)
Amortization of actuarial loss	0	(12)	(27)
Current year amortization of prior service cost	0	0	0
Amortization of prior service cost	0	0	0
Net (gain) loss recognized in other comprehensive income	(109)	21	(125)
Total recognized in net periodic benefit cost and other comprehensive income	(124)	3	$ (131)
Postretirement Plans
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Service cost	0	0
Interest cost	0	0
Expected return on assets	0	0
Net prior service credit amortization	0	(27)
Amortization of net actuarial loss	0	0
Total net periodic benefit	0	(27)
Current year actuarial (gain) loss	0	0
Amortization of actuarial loss	0	0
Current year amortization of prior service cost	0	27
Amortization of prior service cost	0	(27)
Net (gain) loss recognized in other comprehensive income	0	0
Total recognized in net periodic benefit cost and other comprehensive income	$ 0	$ (27)

Employee Benefit Plans - Sche_4

Employee Benefit Plans - Schedule of Defined Benefit Plan Benefit Obligation Assumptions (Details) - Retirement Plans	Dec. 31, 2023	Dec. 31, 2022
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Discount rate	5.17%	5.57%
Rate of compensation increase	5.60%	5.60%
Interest crediting rate	4%	4.25%

Employee Benefit Plans - Sche_5

Employee Benefit Plans - Schedule of Defined Benefit Plan Net Periodic Benefit Cost Assumptions (Details)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Interest crediting rate	4.25%	1.50%
Retirement Plans
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Discount rate	5.57%	3.03%	2.76%
Rate of compensation increase	5.60%	5.60%	5.60%
Expected long-term return on plan assets	6.14%	5.87%	7.50%
Postretirement Plans
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Discount rate	4.56%	3.02%

Employee Benefit Plans - Sche_6

Employee Benefit Plans - Schedule of Fair Value and Allocation of Plan Assets (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	$ 1,589	$ 1,404
Actual % of Plans' Assets	100%	100%
Level 1
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	$ 763	$ 670
Level 2
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	32	431
Level 3
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0	0
Fair Value Measured at Net Asset Value
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	794	303
Cash and equivalents
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	$ 31	$ 25
Actual % of Plans' Assets	2%	2%
Cash and equivalents | Minimum
Defined Benefit Plan Disclosure [Line Items]
Weighted Average Target Allocation Pension Plans	0%	0%
Cash and equivalents | Maximum
Defined Benefit Plan Disclosure [Line Items]
Weighted Average Target Allocation Pension Plans	5%	5%
Cash and equivalents | Level 1
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	$ 31	$ 25
Cash and equivalents | Level 2
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0	0
Cash and equivalents | Level 3
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	$ 0	$ 0
Equity securities
Defined Benefit Plan Disclosure [Line Items]
Actual % of Plans' Assets	45%	46%
Equity securities | Minimum
Defined Benefit Plan Disclosure [Line Items]
Weighted Average Target Allocation Pension Plans	25%	25%
Equity securities | Maximum
Defined Benefit Plan Disclosure [Line Items]
Weighted Average Target Allocation Pension Plans	65%	60%
Common and preferred stock
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	$ 134	$ 88
Common and preferred stock | Level 1
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	134	88
Common and preferred stock | Level 2
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0	0
Common and preferred stock | Level 3
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0	0
Mutual funds
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	126	181
Mutual funds | Level 1
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	126	181
Mutual funds | Level 2
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0	0
Mutual funds | Level 3
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0	0
Exchange traded funds
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	459	376
Exchange traded funds | Level 1
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	459	376
Exchange traded funds | Level 2
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0	0
Exchange traded funds | Level 3
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	$ 0	$ 0
Fixed income
Defined Benefit Plan Disclosure [Line Items]
Actual % of Plans' Assets	50%	31%
Fixed income | Minimum
Defined Benefit Plan Disclosure [Line Items]
Weighted Average Target Allocation Pension Plans	30%	25%
Fixed income | Maximum
Defined Benefit Plan Disclosure [Line Items]
Weighted Average Target Allocation Pension Plans	65%	60%
U.S. government and government agency securities
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	$ 17	$ 198
U.S. government and government agency securities | Level 1
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0	0
U.S. government and government agency securities | Level 2
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	17	198
U.S. government and government agency securities | Level 3
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0	0
Corporate bonds
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	15	233
Corporate bonds | Level 1
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0	0
Corporate bonds | Level 2
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	15	233
Corporate bonds | Level 3
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0	$ 0
Exchange traded funds
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	13
Exchange traded funds | Level 1
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	13
Exchange traded funds | Level 2
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0
Exchange traded funds | Level 3
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0
Collective investment funds (fixed income)
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	753
Collective investment funds (fixed income) | Level 1
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0
Collective investment funds (fixed income) | Level 2
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0
Collective investment funds (fixed income) | Level 3
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	0
Collective investment funds (fixed income) | Fair Value Measured at Net Asset Value
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	$ 753
Alternative investments
Defined Benefit Plan Disclosure [Line Items]
Actual % of Plans' Assets	3%	21%
Alternative investments | Minimum
Defined Benefit Plan Disclosure [Line Items]
Weighted Average Target Allocation Pension Plans	0%	0%
Alternative investments | Maximum
Defined Benefit Plan Disclosure [Line Items]
Weighted Average Target Allocation Pension Plans	30%	30%
Common collective trust, measured at NAV
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets		$ 302
Common collective trust, measured at NAV | Fair Value Measured at Net Asset Value
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets		302
Limited partnerships
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	$ 41	1
Limited partnerships | Fair Value Measured at Net Asset Value
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets	$ 41	$ 1

Employee Benefit Plans - Sche_7

Employee Benefit Plans - Schedule of Expected Benefit Payments (Details) - Retirement Plans $ in Millions	Dec. 31, 2023 USD ($)
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
2024	$ 78
2025	81
2026	83
2027	87
2028	88
2029-2033	$ 426

Employee Benefit Plans - Sche_8

Employee Benefit Plans - Schedule of Accrued Liabilities (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Deferred Compensation Liability, Current and Noncurrent [Roll Forward]
Benefits forfeited	$ 0	$ 0
Additional Benefits for Executives, Directors, and Officers
Deferred Compensation Liability, Current and Noncurrent [Roll Forward]
Beginning balance	36	39
Accrued liability of acquired banks	0	2
Discount rate adjustment	0	(2)
Benefit expense and interest cost	2	2
Benefits paid	(4)	(5)
Ending balance	$ 34	$ 36
Discount rate at December 31	5.09%	4.67%

Employee Benefit Plans - Sche_9

Employee Benefit Plans - Schedule of Nonvested Restricted Stock Units Activity (Details) - RSUs - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Number of Shares
Beginning balance (in shares)	42,989	0
Unvested CIT RSUs converted to BancShares RSUs at Merger Date (in shares)		116,958
Unvested CIT PSUs converted to BancShares RSUs at Merger Date (in shares)		10,678
Forfeited (in shares)	(643)	(5,194)
Ending balance (in shares)	20,255	42,989
Weighted Average Grant Date Value
Beginning balance (in dollars per share)	$ 859.76	$ 0
Unvested CIT RSUs converted to BancShares RSUs at Merger Date (in dollars per share)		859.76
Unvested CIT PSUs converted to RSUs at Merger Date (in dollars per share)		859.76
Forfeited (in dollars per share)	859.76	859.76
Ending balance (in dollars per share)	$ 859.76	$ 859.76
Restricted Stock Unit, Settled Awards
Number of Shares
Vested (in shares)	(22,091)	(79,453)
Weighted Average Grant Date Value
Vested (in dollars per share)	$ 859.76	$ 859.76

Business Segment Information -

Business Segment Information - Schedule of Segment Reporting Information, by Segment (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Segment Reporting Information [Line Items]
Net interest income (expense)	$ 6,712	$ 2,946	$ 1,390
Provision for credit losses	1,375	645	(37)
Net interest income after provision for credit losses	5,337	2,301	1,427
Noninterest income	12,075	2,136	508
Noninterest expense	5,335	3,075	1,234
Income before income taxes	12,077	1,362	701
Income tax expense (benefit)	611	264	154
Net income	11,466	1,098	547
Total assets	213,758	109,298	58,309
Loans and leases	133,302	70,781	32,372
Operating lease equipment, net	8,746	8,156
Deposits	145,854	89,408	51,406
Operating Segments | General Banking
Segment Reporting Information [Line Items]
Net interest income (expense)	2,433	1,947	1,447
Provision for credit losses	71	11	(37)
Net interest income after provision for credit losses	2,362	1,936	1,484
Noninterest income	490	482	433
Noninterest expense	1,607	1,542	1,179
Income before income taxes	1,245	876	738
Income tax expense (benefit)	336	214	162
Net income	909	662	576
Total assets	50,179	45,802	33,848
Loans and leases	47,330	43,212	31,820
Operating lease equipment, net	0	0
Deposits	102,647	84,369	51,344
Operating Segments | Commercial Banking
Segment Reporting Information [Line Items]
Net interest income (expense)	1,015	884	17
Provision for credit losses	517	121	0
Net interest income after provision for credit losses	498	763	17
Noninterest income	559	517	0
Noninterest expense	823	744	3
Income before income taxes	234	536	14
Income tax expense (benefit)	69	128	3
Net income	165	408	11
Total assets	31,826	28,235	552
Loans and leases	30,936	27,491	552
Operating lease equipment, net	780	723
Deposits	3,228	3,219	62
Operating Segments | Silicon Valley Banking
Segment Reporting Information [Line Items]
Net interest income (expense)	1,946	0	0
Provision for credit losses	71	0	0
Net interest income after provision for credit losses	1,875	0	0
Noninterest income	478	0	0
Noninterest expense	1,642	0	0
Income before income taxes	711	0	0
Income tax expense (benefit)	181	0	0
Net income	530	0	0
Total assets	56,190	0	0
Loans and leases	55,013	0	0
Operating lease equipment, net	0	0
Deposits	38,477	0	0
Operating Segments | Rail
Segment Reporting Information [Line Items]
Net interest income (expense)	(143)	(80)	0
Provision for credit losses	0	0	0
Net interest income after provision for credit losses	(143)	(80)	0
Noninterest income	746	657	0
Noninterest expense	481	428	0
Income before income taxes	122	149	0
Income tax expense (benefit)	32	37	0
Net income	90	112	0
Total assets	8,199	7,647	0
Loans and leases	23	78	0
Operating lease equipment, net	7,966	7,433
Deposits	13	15	0
Corporate
Segment Reporting Information [Line Items]
Net interest income (expense)	1,461	195	(74)
Provision for credit losses	716	513	0
Net interest income after provision for credit losses	745	(318)	(74)
Noninterest income	9,802	480	75
Noninterest expense	782	361	52
Income before income taxes	9,765	(199)	(51)
Income tax expense (benefit)	(7)	(115)	(11)
Net income	9,772	(84)	(40)
Total assets	67,364	27,614	23,909
Loans and leases	0	0	0
Operating lease equipment, net	0	0
Deposits	$ 1,489	$ 1,805	$ 0

Commitments and Contingencies -

Commitments and Contingencies - Schedule of Fair Value, Off-balance Sheet Risks (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Financing assets (excluding leases)
Other Commitments [Line Items]
Credit related commitments	$ 57,567	$ 23,452
Standby letters of credit
Other Commitments [Line Items]
Credit related commitments	2,412	436
Other letters of credit
Other Commitments [Line Items]
Credit related commitments	103	44
Deferred Purchase Agreements
Other Commitments [Line Items]
Credit related commitments	2,076	2,039
Lessor commitments
Other Commitments [Line Items]
Credit related commitments	$ 685	$ 941

Commitments and Contingencies_2

Commitments and Contingencies - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
Other Commitments [Line Items]
Deferred purchase agreement, borrowings by client	$ 143	$ 186
Deferred purchase agreement, receivables with credit risk	1,920	1,900
Deferred purchase agreement, line of credit facility, maximum borrowing capacity	161	138
Loss contingency (up to)	10
Off-Balance Sheet Commitment
Other Commitments [Line Items]
Credit related commitments	$ 66	$ 66

Certain Relationships and Rel_3

Certain Relationships and Related Transactions - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Related Party Transaction [Line Items]
Loans and leases	$ 133,302	$ 70,781	$ 32,372
Unfunded Loan Commitment | Related Persons
Related Party Transaction [Line Items]
Loans and leases	2.3	2.6
CIT Northbridge Credit LLC
Related Party Transaction [Line Items]
Income from equity method investments	6	$ 4
CIT Group Inc. | CIT Northbridge Credit LLC
Related Party Transaction [Line Items]
Equity method investment, ownership percentage		20%
Equity method investments	$ 38	$ 43
Allstate Insurance Company and Subsidiary | CIT Northbridge Credit LLC
Related Party Transaction [Line Items]
Noncontrolling interest, ownership percentage by parent		80%

Certain Relationships and Rel_4

Certain Relationships and Related Transactions - Schedule of Related Party Transactions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Loans and Leases Receivable, Related Parties [Roll Forward]
Balance at January 1	$ 171	$ 122
New loans	1,657	61
Repayments	(59)	(12)
Balance at December 31	$ 1,769	$ 171

Parent Company Financial Stat_3

Parent Company Financial Statements - Schedule of Condensed Balance Sheet (Details) - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 908	$ 518
Interest-earning deposits at banks	33,609	5,025
Investment in marketable equity securities	84	95
Other assets	5,857	4,369
Total assets	213,758	109,298	$ 58,309
Liabilities
Other liabilities	7,906	2,588
Total liabilities	192,503	99,636
Stockholders’ equity	21,255	9,662	$ 4,738	$ 4,229
Total liabilities and stockholders’ equity	213,758	109,298
Parent
Assets
Cash and due from banks	200	119
Interest-earning deposits at banks	5	3
Investment in marketable equity securities	82	93
Investment in banking subsidiary	21,324	9,935
Investment in other subsidiaries	50	34
Other assets	60	48
Total assets	21,721	10,232
Liabilities
Subordinated debt	367	454
Borrowings due to banking subsidiary	45	60
Other liabilities	54	56
Total liabilities	466	570
Stockholders’ equity	21,255	9,662
Total liabilities and stockholders’ equity	$ 21,721	$ 10,232

Parent Company Financial Stat_4

Parent Company Financial Statements - Schedule of Condensed Statements of Income (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Expenses
Interest expense	$ 3,679	$ 467	$ 61
Other expenses	377	240	94
Income tax (benefit) expense	611	264	154
Net income	11,466	1,098	547
Preferred stock dividends	59	50	18
Net income available to common stockholders, basic	11,407	1,048	529
Net income available to common shareholders, diluted	11,407	1,048	529
Parent
Income
Dividends from banking subsidiary	367	1,410	173
Other (loss) income	(8)	(2)	36
Total income	359	1,408	209
Expenses
Interest expense	22	19	17
Other expenses	40	26	11
Total expenses	62	45	28
Income before income taxes and equity in undistributed net income of subsidiaries	297	1,363	181
Income tax (benefit) expense	(14)	44	2
Income before equity in undistributed net income of subsidiaries	311	1,319	179
Equity in undistributed (distributed) net income of subsidiaries	11,155	(221)	368
Net income	11,466	1,098	547
Preferred stock dividends	59	50	18
Net income available to common stockholders, basic	11,407	1,048	529
Net income available to common shareholders, diluted	$ 11,407	$ 1,048	$ 529

Parent Company Financial Stat_5

Parent Company Financial Statements - Schedule of Condensed Statements of Cash Flows (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 11,466	$ 1,098	$ 547
Adjustments to reconcile net income to cash provided by operating activities:
Deferred tax (benefit) expense	(165)	206	(8)
Fair value adjustment on marketable equity securities, net	11	3	(34)
Stock based compensation expense	5	19	0
Net change in other assets	206	484	(733)
Net change in other liabilities	(379)	260	5
Net cash provided by (used in) operating activities	2,660	2,791	(284)
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease (increase) in interest-earning deposits at banks	5,416	6,965	(4,767)
Purchase of marketable equity securities	0	0	(2)
Proceeds from sales of investments in marketable equity securities	0	0	30
Net cash provided by (used in) investing activities	2,429	75	(7,568)
CASH FLOWS FROM FINANCING ACTIVITIES
Repurchase of Class A common stock	0	(1,240)	0
Cash dividends paid	(117)	(83)	(42)
Other financing activities	(7)	(24)	0
Net cash (used in) provided by financing activities	(4,699)	(2,686)	7,828
Change in cash and due from banks	390	180	(24)
Cash and due from banks at beginning of period	518	338	362
Cash and due from banks at end of period	908	518	338
CASH PAYMENTS (REFUNDS) FOR:
Income taxes	514	(551)	870
Parent
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	11,466	1,098	547
Adjustments to reconcile net income to cash provided by operating activities:
(Undistributed) distributed net income of subsidiaries	(11,155)	221	(368)
Deferred tax (benefit) expense	(5)	48	0
Net amortization of premiums and discounts	0	1	1
Fair value adjustment on marketable equity securities, net	11	6	(34)
Stock based compensation expense	5	19	0
Net change in due to or from subsidiaries	0	0	4
Net change in other assets	(17)	(3)	7
Net change in other liabilities	3	(2)	3
Net cash provided by (used in) operating activities	308	1,388	160
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease (increase) in interest-earning deposits at banks	(2)	3	(4)
Purchase of marketable equity securities	0	0	(2)
Proceeds from sales of investments in marketable equity securities	0	0	30
Proceeds from sales, calls, and maturities of investment securities	0	0	2
Net cash paid in acquisition	0	(51)	0
Net cash provided by (used in) investing activities	(2)	(48)	26
CASH FLOWS FROM FINANCING ACTIVITIES
Repayment of other borrowings	0	(68)	(20)
Repayment of subordinated debt	(87)	0	0
(Repayment) proceeds for borrowings due to banking subsidiary	(15)	20	0
Repurchase of Class A common stock	0	(1,240)	0
Cash dividends paid	(117)	(83)	(42)
Other financing activities	(6)	(24)	0
Net cash (used in) provided by financing activities	(225)	(1,395)	(62)
Change in cash and due from banks	81	(55)	124
Cash and due from banks at beginning of period	119	174	50
Cash and due from banks at end of period	200	119	174
CASH PAYMENTS (REFUNDS) FOR:
Interest	23	18	17
Income taxes	$ 470	$ (536)	$ 810