CITIZENS FINANCIAL GROUP INC/RI
CFGAPI behind this page
CFG Q3 2025 request
Playground key active
/api/financials?ticker=CFG&year=2025&quarter=3
Pick an endpoint and run the request.Income Statement
| Metric | Q3 2025 | Q3 2024 | YoY |
|---|---|---|---|
| Interest And Fee Income Loans And Leases Held In Portfolio | 1,897 | 1,976 | -4.0% |
| Interest And Fee Income Loans Held For Sale Mortgages | 31 | 19 | +63.2% |
| Interest And Dividend Income Securities | 433 | 423 | +2.4% |
| Interest Income Deposits With Financial Institutions | 97 | 121 | -19.8% |
| Interest And Dividend Income Operating | 2,458 | 2,539 | -3.2% |
| Interest Expense Deposits | 816 | 990 | -17.6% |
| Interest Expense Short Term Borrowings | 5 | 3 | +66.7% |
| Interest Expense Long Term Debt | 149 | 177 | -15.8% |
| Interest Expense Operating | 970 | 1,170 | -17.1% |
| Interest Income Expense Net | 1,488 | 1,369 | +8.7% |
Show Business Segments breakouts |
|||
| Commercial Banking · Operating Segments | 448 | 478 | -6.3% |
| Consumer Banking · Operating Segments | 1,262 | 1,156 | +9.2% |
| Non-Core · Operating Segments | -7 | -28 | +75.0% |
Show Consolidation Items breakouts |
|||
| Corporate Non Segment | -215 | -237 | +9.3% |
| Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal And Off Balance Sheet Credit Loss Liability Credit Loss Expense Reversal | 154 | 172 | -10.5% |
Show Business Segments breakouts |
|||
| Commercial Banking · Operating Segments | 78 | 91 | -14.3% |
| Consumer Banking · Operating Segments | 81 | 84 | -3.6% |
| Non-Core · Operating Segments | 4 | 17 | -76.5% |
Show Consolidation Items breakouts |
|||
| Corporate Non Segment | -9 | -20 | +55.0% |
| Interest Income Expense After Provision For Loan Loss | 1,334 | 1,197 | +11.4% |
| Service Chargesand Fees | 112 | 109 | +2.8% |
| Capital Markets Fees | 166 | 94 | +76.6% |
| Fees And Commissions Credit And Debit Cards1 | 87 | 93 | -6.5% |
| Wealth Fees | 93 | 76 | +22.4% |
| Fees And Commissions Mortgage Banking And Servicing | 49 | 46 | +6.5% |
| Foreign Exchange And Trade Finance Fees | 42 | 36 | +16.7% |
| Letter Of Credit And Loan Fees | 48 | 45 | +6.7% |
| Debt Securities Realized Gain Loss | 2 | 9 | -77.8% |
| Noninterest Income Other | 31 | 24 | +29.2% |
| Noninterest Income | 630 | 532 | +18.4% |
Show Business Segments breakouts |
|||
| Commercial Banking · Operating Segments | 286 | 207 | +38.2% |
| Consumer Banking · Operating Segments | 311 | 285 | +9.1% |
| Non-Core · Operating Segments | 4 | — | — |
Show Tax Credit Program [Axis] breakouts |
|||
| Allocated income (loss) on investments · Variable Interest Entity Not Primary Beneficiary | -3 | -3 | 0.0% |
| Net benefit (expense) included in Noninterest income · Variable Interest Entity Not Primary Beneficiary | -2 | -2 | 0.0% |
| Other income · Variable Interest Entity Not Primary Beneficiary | 1 | 1 | 0.0% |
Show Consolidation Items breakouts |
|||
| Corporate Non Segment | 29 | 40 | -27.5% |
| Labor And Related Expense | 705 | 647 | +9.0% |
| Equipment Expense | 197 | 194 | +1.5% |
| Professional Fees | 161 | 146 | +10.3% |
| Occupancy Net | 106 | 108 | -1.9% |
| Other Noninterest Expense | 166 | 164 | +1.2% |
| Noninterest Expense | 1,335 | 1,259 | +6.0% |
Show Business Segments breakouts |
|||
| Commercial Banking · Operating Segments | 333 | 300 | +11.0% |
| Consumer Banking · Operating Segments | 979 | 916 | +6.9% |
| Non-Core · Operating Segments | 12 | 23 | -47.8% |
Show Consolidation Items breakouts |
|||
| Corporate Non Segment | 11 | 20 | -45.0% |
| Income Before Taxes | 629 | 470 | +33.8% |
Show Business Segments breakouts |
|||
| Commercial Banking · Operating Segments | 323 | 294 | +9.9% |
| Consumer Banking · Operating Segments | 513 | 441 | +16.3% |
| Non-Core · Operating Segments | -19 | -68 | +72.1% |
Show Consolidation Items breakouts |
|||
| Corporate Non Segment | -188 | -197 | +4.6% |
| Income Tax Expense (Benefit) | 135 | 88 | +53.4% |
Show Business Segments breakouts |
|||
| Commercial Banking · Operating Segments | 75 | 63 | +19.0% |
| Consumer Banking · Operating Segments | 130 | 114 | +14.0% |
| Non-Core · Operating Segments | -5 | -17 | +70.6% |
Show Tax Credit Program [Axis] breakouts |
|||
| Amortization · Variable Interest Entity Not Primary Beneficiary | 98 | 88 | +11.4% |
| Net benefit (expense) included in Income tax expense · Variable Interest Entity Not Primary Beneficiary | -25 | -32 | +21.9% |
| Other tax benefits recognized · Variable Interest Entity Not Primary Beneficiary | -24 | -21 | -14.3% |
| Tax credits recognized · Variable Interest Entity Not Primary Beneficiary | -99 | -99 | 0.0% |
Show Consolidation Items breakouts |
|||
| Corporate Non Segment | -65 | -72 | +9.7% |
| Net Income | 494 | 382 | +29.3% |
Show Business Segments breakouts |
|||
| Commercial Banking · Operating Segments | 248 | 231 | +7.4% |
| Consumer Banking · Operating Segments | 383 | 327 | +17.1% |
| Non-Core · Operating Segments | -14 | -51 | +72.5% |
Show Equity Components breakouts |
|||
| Retained Earnings | 494 | 382 | +29.3% |
Show Tax Credit Program [Axis] breakouts |
|||
| Net Income (Loss) Attributable To Parent, Net Benefit · Variable Interest Entity Not Primary Beneficiary | 23 | 30 | -23.3% |
Show Consolidation Items breakouts |
|||
| Corporate Non Segment | -123 | -125 | +1.6% |
| Net Income Loss Available To Common Stockholders Basic | 457 | 344 | +32.8% |
| Wtd Avg Shares (Basic) | 431,365,552 | 446,561,996 | -3.4% |
| Wtd Avg Shares (Diluted) | 435,472,350 | 449,913,467 | -3.2% |
| EPS (Basic) | 1.06 | 0.77 | +37.7% |
| EPS (Diluted) | 1.05 | 0.77 | +36.4% |
| Revenue | 2,118 | 1,901 | +11.4% |
Show Business Segments breakouts |
|||
| Commercial Banking · Operating Segments | 734 | 685 | +7.2% |
| Consumer Banking · Operating Segments | 1,573 | 1,441 | +9.2% |
| Non-Core · Operating Segments | -3 | -28 | +89.3% |
Show Consolidation Items breakouts |
|||
| Corporate Non Segment | -186 | -197 | +5.6% |
| Revenue | 452 | 367 | +23.2% |
Show Product Lines breakouts |
|||
| Capital markets fees | 158 | 88 | +79.5% |
| Capital markets fees · Commercial Banking | 158 | 88 | +79.5% |
| Card fees | 85 | 91 | -6.6% |
| Card fees · Commercial Banking | 12 | 12 | 0.0% |
| Card fees · Consumer Banking | 73 | 73 | 0.0% |
| Other banking fees | 5 | 3 | +66.7% |
| Other banking fees · Commercial Banking | 4 | 2 | +100.0% |
| Other banking fees · Consumer Banking | 1 | 1 | 0.0% |
| Service charges and fees | 111 | 109 | +1.8% |
| Service charges and fees · Commercial Banking | 33 | 34 | -2.9% |
| Service charges and fees · Consumer Banking | 78 | 75 | +4.0% |
| Wealth fees | 93 | 76 | +22.4% |
| Wealth fees · Consumer Banking | 93 | 76 | +22.4% |
Show Business Segments breakouts |
|||
| Commercial Banking · Operating Segments | 207 | 136 | +52.2% |
| Consumer Banking · Operating Segments | 245 | 225 | +8.9% |
| Comprehensive Income | 866 | 1,591 | -45.6% |
Show Equity Components breakouts |
|||
| Accumulated Other Comprehensive Income | 372 | 1,209 | -69.2% |
| Retained Earnings | 494 | 382 | +29.3% |
| Other Comprehensive Income | 372 | 1,209 | -69.2% |
Show Equity Components breakouts |
|||
| Accumulated Defined Benefit Plans Adjustment | 3 | 2 | +50.0% |
| Accumulated Gain Loss Net Cash Flow Hedge Parent | 128 | 653 | -80.4% |
| Accumulated Net Unrealized Investment Gain Loss | 241 | 554 | -56.5% |
| Accumulated Other Comprehensive Income | 372 | 1,209 | -69.2% |
| Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification After Tax | -16 | 450 | -103.6% |
| Preferred Stock Dividends Income Statement Impact | 32 | 38 | -15.8% |
| Marketing And Advertising Expense | 44 | 40 | +10.0% |
| Other Expenses | 90 | 84 | +7.1% |
Balance Sheet
| Metric | Q3 2025 | Q3 2024 | YoY |
|---|---|---|---|
| Non-Current Assets | |||
| Property, Plant & Equipment | 857 | 862 | -0.6% |
| Goodwill | 8,187 | 8,187 | 0.0% |
| Total Assets | 222,747 | 219,706 | +1.4% |
Show Consolidated Entities breakouts |
|||
| Variable Interest Entity Primary Beneficiary | 2,537 | 4,667 | -45.6% |
| Other Assets | |||
| Cash And Due From Banks | 1,254 | — | — |
| Interest Bearing Cash And Due From Banks | 10,396 | 9,936 | +4.6% |
| Interest Bearing Deposits In Banks | 694 | 648 | +7.1% |
Show Consolidated Entities breakouts |
|||
| Variable Interest Entity Primary Beneficiary | 169 | 209 | -19.1% |
| Debt Securities Available For Sale Excluding Accrued Interest | 35,419 | 32,835 | +7.9% |
Show Fair Value Hierarchy breakouts |
|||
| Fair Value Inputs Level1 | 4,514 | 4,689 | -3.7% |
| Fair Value Inputs Level1 · US Treasury Securities | 4,514 | 4,689 | -3.7% |
| Fair Value Inputs Level2 | 30,905 | 28,146 | +9.8% |
| Fair Value Inputs Level2 · Collateralized Debt Obligations | 90 | 234 | -61.5% |
| Fair Value Inputs Level2 · Mortgage Backed Securities | 30,814 | 27,911 | +10.4% |
| Fair Value Inputs Level2 · US States And Political Subdivisions | 1 | 1 | 0.0% |
Show Financial Instrument breakouts |
|||
| Collateralized Debt Obligations | 90 | 234 | -61.5% |
| Debt Securities | 35,419 | 32,835 | +7.9% |
| Mortgage Backed Securities | 30,814 | 27,911 | +10.4% |
| Mortgage Backed Securities Issued By Private Enterprises | 263 | 261 | +0.8% |
| Mortgage Backed Securities Issued By US Government Sponsored Enterprises | 30,551 | 27,650 | +10.5% |
| US States And Political Subdivisions | 1 | 1 | 0.0% |
| US Treasury And Government | 4,514 | 4,689 | -3.7% |
Show Fair Value By Asset Class breakouts |
|||
| Collateralized Debt Obligations | 90 | 234 | -61.5% |
| Mortgage Backed Securities | 30,814 | 27,911 | +10.4% |
| US States And Political Subdivisions | 1 | 1 | 0.0% |
| US Treasury Securities | 4,514 | 4,689 | -3.7% |
Show Pledged Status breakouts |
|||
| Asset Pledged As Collateral | 115 | 155 | -25.8% |
| Debt Securities Held To Maturity Excluding Accrued Interest After Allowance For Credit Loss | 8,124 | 8,738 | -7.0% |
Show Fair Value Hierarchy breakouts |
|||
| Fair Value Inputs Level2 | 7,767 | 8,308 | -6.5% |
| Fair Value Inputs Level3 | 357 | 430 | -17.0% |
Show Financial Instrument breakouts |
|||
| Asset Backed Securities | 357 | 430 | -17.0% |
| Mortgage Backed Securities | 7,767 | 8,308 | -6.5% |
| Mortgage Backed Securities Issued By US Government Sponsored Enterprises | 7,767 | 8,308 | -6.5% |
Show Consolidated Entities breakouts |
|||
| Variable Interest Entity Not Primary Beneficiary | 357 | 430 | -17.0% |
Show Pledged Status breakouts |
|||
| Asset Pledged As Collateral | 68 | 84 | -19.0% |
| Loans Receivable Held For Sale Amount | 1,334 | — | — |
Show Business Segments breakouts |
|||
| Non-Core | 1.9 | — | — |
Show Fair Value Hierarchy breakouts |
|||
| Fair Value Inputs Level2 · Commercial loans held for sale | 176 | — | — |
| Fair Value Inputs Level2 · Residential loans held for sale | 592 | — | — |
Show Financing Receivable Portfolio breakouts |
|||
| Commercial Portfolio Segment | 276 | — | — |
| Consumer Portfolio Segment | 592 | — | — |
| Other Retail | 466 | — | — |
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss | 140,870 | 141,632 | -0.5% |
Show Collateral breakouts |
|||
| Collateral Dependent · Commercial Portfolio Segment | 250 | 607 | -58.8% |
| Collateral Dependent · Consumer Portfolio Segment | 427 | 529 | -19.3% |
Show Credit Score Fico breakouts |
|||
| 620-679 · Consumer Portfolio Segment | 3,140 | 3,419 | -8.2% |
| 620-679 · Consumer Portfolio Segment | 431 | 557 | -22.6% |
| 620-679 · Consumer Portfolio Segment | 1,056 | 947 | +11.5% |
| 620-679 · Consumer Portfolio Segment | 314 | 610 | -48.5% |
| 620-679 · Consumer Portfolio Segment | 1,022 | 946 | +8.0% |
| 620-679 · Consumer Portfolio Segment | 317 | 359 | -11.7% |
| 680-739 · Consumer Portfolio Segment | 9,564 | 10,232 | -6.5% |
| 680-739 · Consumer Portfolio Segment | 1,012 | 1,268 | -20.2% |
| 680-739 · Consumer Portfolio Segment | 3,594 | 3,161 | +13.7% |
| 680-739 · Consumer Portfolio Segment | 546 | 1,166 | -53.2% |
| 680-739 · Consumer Portfolio Segment | 3,340 | 3,295 | +1.4% |
| 680-739 · Consumer Portfolio Segment | 1,072 | 1,342 | -20.1% |
| 740-799 · Consumer Portfolio Segment | 20,746 | 21,473 | -3.4% |
| 740-799 · Consumer Portfolio Segment | 1,135 | 1,383 | -17.9% |
| 740-799 · Consumer Portfolio Segment | 6,173 | 5,404 | +14.2% |
| 740-799 · Consumer Portfolio Segment | 757 | 1,582 | -52.1% |
| 740-799 · Consumer Portfolio Segment | 9,994 | 9,504 | +5.2% |
| 740-799 · Consumer Portfolio Segment | 2,687 | 3,600 | -25.4% |
| Greater than 800 · Consumer Portfolio Segment | 31,542 | 31,261 | +0.9% |
| Greater than 800 · Consumer Portfolio Segment | 759 | 835 | -9.1% |
| Greater than 800 · Consumer Portfolio Segment | 6,669 | 5,707 | +16.9% |
| Greater than 800 · Consumer Portfolio Segment | 796 | 1,564 | -49.1% |
| Greater than 800 · Consumer Portfolio Segment | 19,026 | 17,534 | +8.5% |
| Greater than 800 · Consumer Portfolio Segment | 4,292 | 5,621 | -23.6% |
| Less than 620 · Consumer Portfolio Segment | 2,870 | 2,981 | -3.7% |
| Less than 620 · Consumer Portfolio Segment | 314 | 355 | -11.5% |
| Less than 620 · Consumer Portfolio Segment | 916 | 773 | +18.5% |
| Less than 620 · Consumer Portfolio Segment | 403 | 618 | -34.8% |
| Less than 620 · Consumer Portfolio Segment | 1,080 | 1,082 | -0.2% |
| Less than 620 · Consumer Portfolio Segment | 157 | 153 | +2.6% |
| No FICO available · Consumer Portfolio Segment | 515 | 458 | +12.4% |
| No FICO available · Consumer Portfolio Segment | 462 | 397 | +16.4% |
| No FICO available · Consumer Portfolio Segment | 15 | 18 | -16.7% |
| No FICO available · Consumer Portfolio Segment | 31 | 43 | -27.9% |
| No FICO available · Consumer Portfolio Segment | 7 | — | — |
Show Financing Receivable Portfolio breakouts |
|||
| Commercial Portfolio Segment | 72,493 | 71,808 | +1.0% |
| Commercial Portfolio Segment · Commercial Loan | 46,953 | 43,825 | +7.1% |
| Commercial Portfolio Segment · Commercial Loan | 46,624 | 43,542 | +7.1% |
| Commercial Portfolio Segment · Commercial Loan | 52 | 54 | -3.7% |
| Commercial Portfolio Segment · Commercial Loan | 8 | 5 | +60.0% |
| Commercial Portfolio Segment · Commercial Loan | 39 | 5 | +680.0% |
| Commercial Portfolio Segment · Commercial Loan | 230 | 219 | +5.0% |
| Commercial Portfolio Segment · Commercial Loan | 44,391 | 40,706 | +9.1% |
| Commercial Portfolio Segment · Commercial Loan | 697 | 827 | -15.7% |
| Commercial Portfolio Segment · Commercial Loan | 1,635 | 2,073 | -21.1% |
| Commercial Portfolio Segment · Commercial Real Estate | 25,540 | 27,983 | -8.7% |
| Commercial Portfolio Segment · Commercial Real Estate | 24,668 | 26,961 | -8.5% |
| Commercial Portfolio Segment · Commercial Real Estate | 90 | 72 | +25.0% |
| Commercial Portfolio Segment · Commercial Real Estate | 72 | 83 | -13.3% |
| Commercial Portfolio Segment · Commercial Real Estate | 7 | 15 | -53.3% |
| Commercial Portfolio Segment · Commercial Real Estate | 703 | 852 | -17.5% |
| Commercial Portfolio Segment · Commercial Real Estate | 21,527 | 22,521 | -4.4% |
| Commercial Portfolio Segment · Commercial Real Estate | 1,333 | 2,216 | -39.8% |
| Commercial Portfolio Segment · Commercial Real Estate | 1,977 | 2,394 | -17.4% |
| Commercial Portfolio Segment · Doubtful | 933 | 1,071 | -12.9% |
| Commercial Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due | 46 | 20 | +130.0% |
| Commercial Portfolio Segment · Financing Receivables1 To29 Days Past Due | 71,292 | 70,503 | +1.1% |
| Commercial Portfolio Segment · Financing Receivables30 To59 Days Past Due | 142 | 126 | +12.7% |
| Commercial Portfolio Segment · Financing Receivables60 To89 Days Past Due | 80 | 88 | -9.1% |
| Commercial Portfolio Segment · Pass | 65,918 | 63,227 | +4.3% |
| Commercial Portfolio Segment · Special Mention | 2,030 | 3,043 | -33.3% |
| Commercial Portfolio Segment · Substandard | 3,612 | 4,467 | -19.1% |
| Consumer Portfolio Segment | 68,377 | 69,824 | -2.1% |
| Consumer Portfolio Segment · Automobile Loan | 2,816 | 5,540 | -49.2% |
| Consumer Portfolio Segment · Automobile Loan | 2,702 | 5,347 | -49.5% |
| Consumer Portfolio Segment · Automobile Loan | 62 | 109 | -43.1% |
| Consumer Portfolio Segment · Automobile Loan | 21 | 38 | -44.7% |
| Consumer Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due | 116 | 149 | -22.1% |
| Consumer Portfolio Segment · Financing Receivables1 To29 Days Past Due | 67,253 | 68,508 | -1.8% |
| Consumer Portfolio Segment · Financing Receivables30 To59 Days Past Due | 291 | 382 | -23.8% |
| Consumer Portfolio Segment · Financing Receivables60 To89 Days Past Due | 132 | 169 | -21.9% |
| Consumer Portfolio Segment · Home equity | 18,415 | 15,992 | +15.2% |
| Consumer Portfolio Segment · Home equity | 18,007 | 15,591 | +15.5% |
| Consumer Portfolio Segment · Home equity | 83 | 93 | -10.8% |
| Consumer Portfolio Segment · Home equity | 28 | 27 | +3.7% |
| Consumer Portfolio Segment · Other retail | 4,113 | 4,795 | -14.2% |
| Consumer Portfolio Segment · Other retail | 4,010 | 4,658 | -13.9% |
| Consumer Portfolio Segment · Other retail | 32 | 44 | -27.3% |
| Consumer Portfolio Segment · Other retail | 22 | 31 | -29.0% |
| Consumer Portfolio Segment · Residential Mortgage | 34,477 | 32,379 | +6.5% |
| Consumer Portfolio Segment · Residential Mortgage | 34,052 | 31,923 | +6.7% |
| Consumer Portfolio Segment · Residential Mortgage | 80 | 93 | -14.0% |
| Consumer Portfolio Segment · Residential Mortgage | 43 | 48 | -10.4% |
| Consumer Portfolio Segment · Residential Mortgage | 114 | 146 | -21.9% |
| Consumer Portfolio Segment · Student Loan | 8,556 | 11,118 | -23.0% |
| Consumer Portfolio Segment · Student Loan | 8,482 | 10,989 | -22.8% |
| Consumer Portfolio Segment · Student Loan | 34 | 43 | -20.9% |
| Consumer Portfolio Segment · Student Loan | 18 | 25 | -28.0% |
| Consumer Portfolio Segment · Student Loan | 2 | 2 | 0.0% |
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts |
|||
| Guaranteed residential mortgages | 976 | 1,058 | -7.8% |
| Guaranteed residential mortgages · Financing Receivables Equal To Greater Than90 Days Past Due | 114 | 145 | -21.4% |
| Guaranteed residential mortgages · Financing Receivables1 To29 Days Past Due | 795 | 830 | -4.2% |
| Guaranteed residential mortgages · Financing Receivables30 To59 Days Past Due | 44 | 54 | -18.5% |
| Guaranteed residential mortgages · Financing Receivables60 To89 Days Past Due | 23 | 29 | -20.7% |
Show Financing Receivables Period Past Due breakouts |
|||
| Financing Receivables Equal To Greater Than90 Days Past Due | 162 | 169 | -4.1% |
| Financing Receivables1 To29 Days Past Due | 138,545 | 139,011 | -0.3% |
| Financing Receivables30 To59 Days Past Due | 433 | 508 | -14.8% |
| Financing Receivables60 To89 Days Past Due | 212 | 257 | -17.5% |
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest | -1,972 | -2,079 | +5.1% |
Show Financing Receivable Portfolio breakouts |
|||
| Commercial Portfolio Segment | -1,083 | -1,187 | +8.8% |
| Consumer Portfolio Segment | -889 | -892 | +0.3% |
| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | 138,898 | 139,553 | -0.5% |
Show Fair Value Hierarchy breakouts |
|||
| Fair Value Inputs Level2 | 677 | 1,136 | -40.4% |
| Fair Value Inputs Level3 | 138,221 | 138,417 | -0.1% |
Show Financial Instrument breakouts |
|||
| Residential Mortgage · Consumer Portfolio Segment | 40.6 | 37.9 | +7.1% |
Show Consolidated Entities breakouts |
|||
| Variable Interest Entity Not Primary Beneficiary | 4,893 | 3,988 | +22.7% |
| Variable Interest Entity Primary Beneficiary | 2,353 | 4,432 | -46.9% |
Show Financing Receivable Portfolio breakouts |
|||
| Consumer and Commercial Portfolio Segment · Education, commercial and industrial, and commercial real estate loans | 20 | 27.2 | -26.5% |
| Derivative Assets | 721 | 586 | +23.0% |
| Bank Owned Life Insurance | 3,422 | 3,346 | +2.3% |
| Other Intangible Assets Net | 123 | 137 | -10.2% |
| Other Assets | 13,318 | 13,236 | +0.6% |
Show Consolidated Entities breakouts |
|||
| Variable Interest Entity Not Primary Beneficiary · Low Income Housing Tax Credit Partnerships | 2,698 | 2,483 | +8.7% |
| Variable Interest Entity Not Primary Beneficiary · New Market Tax Credit Investments | 1 | 2 | -50.0% |
| Variable Interest Entity Not Primary Beneficiary · Renewable Energy | 217 | 268 | -19.0% |
| Variable Interest Entity Primary Beneficiary | 15 | 26 | -42.3% |
| Non-Current Liabilities | |||
| Long-Term Debt | 10,441 | — | — |
Show Fair Value Hierarchy breakouts |
|||
| Fair Value Inputs Level2 | 10,441 | — | — |
Show Debt Instrument breakouts |
|||
| 2.500% fixed-rate senior unsecured notes, due February 2030 · Parent Company | 299 | — | — |
| 2.638% fixed-rate subordinated debt, due September 2032 · Parent Company | 575 | — | — |
| 2.850% fixed-rate senior unsecured notes, due July 2026 · Parent Company | 500 | — | — |
| 3.250% fixed-rate senior unsecured notes, due April 2030 · Parent Company | 747 | — | — |
| 3.750% fixed-rate reset subordinated debt, due February 2031 · Parent Company | 69 | — | — |
| 3.750% senior unsecured notes, due February 2026 · Subsidiaries | 499 | — | — |
| 4.300% fixed-rate reset subordinated debt, due February 2031 · Parent Company | 135 | — | — |
| 4.300% fixed-rate subordinated debt, due December 2025 · Parent Company | 336 | — | — |
| 4.350% fixed-rate reset subordinated debt, due February 2031 · Parent Company | 60 | — | — |
| 4.575% fixed/floating-rate senior unsecured notes, due August 2028 · Subsidiaries | 799 | — | — |
| 5.253% fixed/floating-rate senior unsecured notes, due March 2031 · Parent Company | 746 | — | — |
| 5.641% fixed-rate reset subordinated debt, due May 2037 · Parent Company | 398 | — | — |
| 5.718% fixed/floating-rate senior unsecured notes, due July 2032 · Parent Company | 1,244 | — | — |
| 5.841% fixed/floating-rate senior unsecured notes, due January 2030 · Parent Company | 1,246 | — | — |
| 6.645% fixed/floating-rate senior unsecured notes, due April 2035 · Parent Company | 746 | — | — |
Show Consolidated Entities breakouts |
|||
| Subsidiaries · Federal Home Loan Bank Advances | 13 | — | — |
| Subsidiaries · Other | 20 | — | — |
| Subsidiaries · Secured Debt | 2,009 | — | — |
| Variable Interest Entity Primary Beneficiary | 1,982 | — | — |
| Total Liabilities | 196,918 | 194,774 | +1.1% |
Show Consolidated Entities breakouts |
|||
| Variable Interest Entity Primary Beneficiary | 1,987 | 3,811 | -47.9% |
| Other Liabilities | |||
| Noninterest Bearing Deposit Liabilities | 39,472 | 35,978 | +9.7% |
| Interest Bearing Deposit Liabilities | 140,539 | 139,210 | +1.0% |
| Deposits | 180,011 | 175,188 | +2.8% |
Show Fair Value Hierarchy breakouts |
|||
| Fair Value Inputs Level2 | 180,011 | 175,188 | +2.8% |
| Short Term Borrowings | 214 | — | — |
Show Credit Facility breakouts |
|||
| Secured Debt · Federal Home Loan Bank Advances and Letters of Credit | 4.9 | — | — |
| Derivative Liabilities | 738 | 1,012 | -27.1% |
| Other Liabilities | 5,514 | 4,615 | +19.5% |
Show Consolidated Entities breakouts |
|||
| Variable Interest Entity Not Primary Beneficiary | 1,065 | 975 | +9.2% |
| Variable Interest Entity Primary Beneficiary | 5 | 10 | -50.0% |
| Stockholders' Equity | |||
| Preferred Stock Value | 2,111 | 2,112 | -0.0% |
Show Statement Class Of Stock breakouts |
|||
| Series B Preferred Stock | 296 | 296 | 0.0% |
| Series C Preferred Stock | 297 | 297 | 0.0% |
| Series E Preferred Stock | 437 | 437 | 0.0% |
| Series G Preferred Stock | 296 | 296 | 0.0% |
| Series H Preferred Stock | 392 | 391 | +0.3% |
| Series I | 393 | — | — |
| Common Stock | 7 | 6 | +16.7% |
| Additional Paid-In Capital | 22,448 | 22,327 | +0.5% |
| Retained Earnings | 11,056 | 10,233 | +8.0% |
| Treasury Stock Common Value | -7,526 | -6,820 | -10.4% |
| Accumulated Other Comprehensive Income | -2,267 | -2,926 | +22.5% |
| Total Stockholders' Equity | 25,829 | 24,932 | +3.6% |
Show Equity Components breakouts |
|||
| Accumulated Defined Benefit Plans Adjustment | -294 | -320 | +8.1% |
| Accumulated Gain Loss Net Cash Flow Hedge Parent | -213 | -649 | +67.2% |
| Accumulated Net Unrealized Investment Gain Loss | -1,760 | -1,957 | +10.1% |
| Accumulated Other Comprehensive Income | -2,267 | -2,926 | +22.5% |
| Additional Paid In Capital | 22,448 | 22,327 | +0.5% |
| Common Stock | 7 | 6 | +16.7% |
| Preferred Stock | 2,111 | 2,112 | -0.0% |
| Retained Earnings | 11,056 | 10,233 | +8.0% |
| Treasury Stock Common | -7,526 | -6,820 | -10.4% |
| Total Liabilities & Equity | 222,747 | 219,706 | +1.4% |
Cash Flow Statement
| Metric | YTD Q3 2025 | YTD Q3 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Net Income | 1,303 | 1,108 | +17.6% |
| Increase Decrease In Loans Held For Sale | -81 | 62 | -230.6% |
| Depreciation Amortization And Accretion Net | 366 | 374 | -2.1% |
| Deferred Income Taxes | -93 | -50 | -86.0% |
| Allocated Share Based Compensation Expense | 97 | 76 | +27.6% |
| Gain Loss On Disposition Of Assets1 | -16 | -14 | -14.3% |
| Increase Decrease In Other Operating Assets | 357 | -14 | +2650.0% |
| Increase Decrease In Other Operating Liabilities | -35 | -549 | +93.6% |
| Net Cash from Operations | 2,369 | 1,518 | +56.1% |
| Depreciation & Amortization (YTD) | — | — | — |
Show Business Segments breakouts |
|||
| Commercial Banking · Operating Segments | 15 | 21 | -28.6% |
| Consumer Banking · Operating Segments | 92 | 84 | +9.5% |
| Non-Core · Operating Segments | 230 | 233 | -1.3% |
| Depreciation & Amortization (Q) | — | — | — |
Show Consolidation Items breakouts |
|||
| Corporate Non Segment | 77 | — | — |
| Investing Activities | |||
| Purchases of Investments | -5,545 | -6,497 | +14.7% |
| Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities | 2,770 | 2,112 | +31.2% |
| Proceeds From Sale Of Available For Sale Securities Debt | 1,218 | 2,080 | -41.4% |
| Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities | 537 | 501 | +7.2% |
| Proceeds From Payments For In Interest Bearing Deposits In Banks | -59 | -243 | +75.7% |
| Payments To Acquire Finance Receivables | -642 | -517 | -24.2% |
| Proceeds From Sale Of Finance Receivables | 1,428 | 186 | +667.7% |
| Payments For Proceeds From Loans And Leases | -3,475 | 3,860 | -190.0% |
| Payments For Proceeds From Productive Assets | -82 | -74 | -10.8% |
| Other Investing Activities | -183 | -29 | -531.0% |
| Net Cash from Investing | -4,033 | 1,379 | -392.5% |
| Transfer Of Portfolio Loans And Leases To Held For Sale1 | 1,939 | 249 | +678.7% |
| Transfer To Investments | 87 | 181 | -51.9% |
| Financing Activities | |||
| Increase Decrease In Deposits | 5,235 | -2,154 | +343.0% |
| Proceeds From Repayments Of Short Term Debt | 214 | -490 | +143.7% |
| Proceeds From Issuance Of Long Term Debt | 6,534 | 13,185 | -50.4% |
| Repayments Of Long Term Debt | -8,520 | -12,741 | +33.1% |
| Share Repurchases | -475 | -825 | +42.4% |
| Proceeds From Issuance Of Private Placement | 393 | 391 | +0.5% |
| Payments Of Dividends Common Stock | -555 | -581 | +4.5% |
| Payments Of Dividends Preferred Stock And Preference Stock | -100 | -96 | -4.2% |
Show Statement Class Of Stock breakouts |
|||
| Series B Preferred Stock | -17 | -20 | +15.0% |
| Series C Preferred Stock | -18 | -16 | -12.5% |
| Series E Preferred Stock | -17 | -17 | 0.0% |
| Series F Preferred Stock | -17 | -17 | 0.0% |
| Series G Preferred Stock | -9 | -9 | 0.0% |
| Series H Preferred Stock | -22 | — | — |
| Proceeds From Payments For Other Financing Activities | -13 | 1 | -1400.0% |
| Net Cash from Financing | 2,713 | -3,610 | +175.2% |
| Other Cash Flow | |||
| Net Change in Cash | 1,049 | -713 | +247.1% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 11,650 | 10,915 | +6.7% |
Values in millions USD. Source: SEC EDGAR 10-Q filing.