CITIZENS FINANCIAL GROUP INC/RI
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CFG Q4 2025 request
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| Metric | Q4 2025 | Q4 2024 | YoY |
|---|---|---|---|
| Interest And Fee Income Loans And Leases Held In Portfolio | 1,901 | 1,910 | -0.5% |
| Interest And Fee Income Loans Held For Sale Mortgages | 22 | 21 | +4.8% |
| Interest And Dividend Income Securities | 434 | 419 | +3.6% |
| Interest Income Deposits With Financial Institutions | 89 | 112 | -20.5% |
| Interest And Dividend Income Operating | 2,446 | 2,462 | -0.6% |
| Interest Expense Deposits | 781 | 883 | -11.6% |
| Interest Expense Short Term Borrowings | 0 | 1 | -100.0% |
| Interest Expense Long Term Debt | 128 | 166 | -22.9% |
| Interest Expense Operating | 909 | 1,050 | -13.4% |
| Interest Income Expense Net | 1,537 | 1,412 | +8.9% |
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| Interest Income Expense Net | 450 | 464 | -3.0% |
| Interest Income Expense Net | 3,644 | 3,078 | +18.4% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -239 | -343 | +30.3% |
| Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal And Off Balance Sheet Credit Loss Liability Credit Loss Expense Reversal | 137 | 162 | -15.4% |
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| Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal And Off Balance Sheet Credit Loss Liability Credit Loss Expense Reversal | 70 | 91 | -23.1% |
| Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal And Off Balance Sheet Credit Loss Liability Credit Loss Expense Reversal | 89 | 69 | +29.0% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | 30 | 35 | -14.3% |
| Interest Income Expense After Provision For Loan Loss | 1,400 | 1,250 | +12.0% |
| Service Chargesand Fees | 112 | 109 | +2.8% |
| Capital Markets Fees | 140 | 121 | +15.7% |
| Wealth Fees | 98 | 75 | +30.7% |
| Fees And Commissions Credit And Debit Cards1 | 86 | 97 | -11.3% |
| Fees And Commissions Mortgage Banking And Servicing | 52 | 60 | -13.3% |
| Debt Securities Realized Gain Loss | 8 | 4 | +100.0% |
| Noninterest Income Other | 41 | 28 | +46.4% |
| Noninterest Income | 620 | 574 | +8.0% |
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| Noninterest Income | 1,661 | 1,500 | +10.7% |
| Noninterest Income | 262 | 232 | +12.9% |
| Noninterest Income | 519 | 455 | +14.1% |
| Noninterest Income | -586 | -539 | -8.7% |
Show Tax Credit Program [Axis] breakouts |
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| Allocated income (loss) on investments · Variable Interest Entity Not Primary Beneficiary | -2 | -3 | +33.3% |
| Net benefit (expense) included in noninterest income · Variable Interest Entity Not Primary Beneficiary | -1 | -3 | +66.7% |
| Other income · Variable Interest Entity Not Primary Beneficiary | 1 | 0 | — |
Show Consolidation Items breakouts |
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| Corporate Non Segment | 50 | 31 | +61.3% |
| Labor And Related Expense | 716 | 674 | +6.2% |
| Equipment Expense | 199 | 193 | +3.1% |
| Professional Fees | 148 | 170 | -12.9% |
| Occupancy Net | 109 | 112 | -2.7% |
| Other Noninterest Expense | 171 | 167 | +2.4% |
| Noninterest Expense | 1,343 | 1,316 | +2.1% |
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| Noninterest Expense | 357 | 313 | +14.1% |
| Noninterest Expense | 2,903 | 2,749 | +5.6% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | 45 | 134 | -66.4% |
| Income Before Taxes | 677 | 508 | +33.3% |
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| Income Before Taxes | 285 | 292 | -2.4% |
| Income Before Taxes | 1,171 | 715 | +63.8% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -264 | -481 | +45.1% |
| Income Tax Expense (Benefit) | 149 | 107 | +39.3% |
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| Income Tax Expense (Benefit) | 70 | 68 | +2.9% |
| Income Tax Expense (Benefit) | 315 | 211 | +49.3% |
Show Tax Credit Program [Axis] breakouts |
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| Amortization · Variable Interest Entity Not Primary Beneficiary | 102 | 87 | +17.2% |
| Net benefit (expense) included in income tax expense · Variable Interest Entity Not Primary Beneficiary | -24 | -27 | +11.1% |
| Other tax benefits recognized · Variable Interest Entity Not Primary Beneficiary | -25 | -25 | 0.0% |
| Tax credits recognized · Variable Interest Entity Not Primary Beneficiary | -101 | -89 | -13.5% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -87 | -139 | +37.4% |
| Net Income | 528 | 401 | +31.7% |
Show Equity Components breakouts |
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| Retained Earnings | 528 | 401 | +31.7% |
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| Net Income | 215 | 224 | -4.0% |
| Net Income | 856 | 504 | +69.8% |
Show Tax Credit Program [Axis] breakouts |
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| Net Income (Loss) Attributable To Parent, Net Benefit · Variable Interest Entity Not Primary Beneficiary | 23 | 24 | -4.2% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -177 | -342 | +48.2% |
| Net Income Loss Available To Common Stockholders Basic | 489 | 367 | +33.2% |
| Wtd Avg Shares (Basic) | -1,243,534 | -3,315,795 | +62.5% |
| Wtd Avg Shares (Diluted) | -1,024,865 | -2,951,085 | +65.3% |
| EPS (Basic) | 1.14 | 0.84 | +35.7% |
| EPS (Diluted) | 1.12 | 0.83 | +34.9% |
| Revenue | 2,157 | 1,986 | +8.6% |
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| Revenue | 712 | 696 | +2.3% |
| Revenue | 4,163 | 3,533 | +17.8% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | -189 | -312 | +39.4% |
| Revenue | 433 | 397 | +9.1% |
Show Product Lines breakouts |
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| Capital markets fees | 137 | 115 | +19.1% |
| Card fees | 83 | 96 | -13.5% |
| Other banking fees | 3 | 4 | -25.0% |
| Service charges and fees | 112 | 107 | +4.7% |
| Wealth fees | 98 | 75 | +30.7% |
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| Revenue | 137 | 115 | +19.1% |
| Revenue | -297 | -276 | -7.6% |
| Revenue | -64 | -46 | -39.1% |
| Revenue | -338 | -318 | -6.3% |
| Revenue | -345 | -327 | -5.5% |
| Revenue | -214 | -202 | -5.9% |
| Revenue | -40 | -42 | +4.8% |
| Revenue | 12 | -36 | +133.3% |
| Revenue | 185 | 164 | +12.8% |
| Revenue | 460 | 394 | +16.8% |
| Comprehensive Income | 825 | -268 | +407.8% |
Show Equity Components breakouts |
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| Accumulated Other Comprehensive Income | 297 | -669 | +144.4% |
| Retained Earnings | 528 | 401 | +31.7% |
| Other Comprehensive Income | 297 | -669 | +144.4% |
Show Equity Components breakouts |
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| Accumulated Defined Benefit Plans Adjustment | 45 | 19 | +136.8% |
| Accumulated Gain Loss Net Cash Flow Hedge Parent | 95 | -276 | +134.4% |
| Accumulated Net Unrealized Investment Gain Loss | 157 | -412 | +138.1% |
| Accumulated Other Comprehensive Income | 297 | -669 | +144.4% |
| Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification After Tax | -25 | -447 | +94.4% |
| Preferred Stock Dividends Income Statement Impact | 39 | 34 | +14.7% |
| Marketing And Advertising Expense | 41 | 46 | -10.9% |
| Other Expenses | 111 | 90 | +23.3% |
Balance Sheet
| Metric | Q4 2025 | Q4 2024 | YoY |
|---|---|---|---|
| Non-Current Assets | |||
| Property, Plant & Equipment | 915 | 875 | +4.6% |
| Goodwill | 8,187 | 8,187 | 0.0% |
Show Business Segments breakouts |
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| Commercial Banking | 5,509 | 5,509 | 0.0% |
| Consumer Banking | 2,678 | 2,678 | 0.0% |
| Total Assets | 226,351 | 217,521 | +4.1% |
Show Consolidated Entities breakouts |
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| Parent Company | 33,474 | 31,094 | +7.7% |
| Variable Interest Entity Primary Beneficiary | 2,097 | 4,073 | -48.5% |
| Operating Lease Right-of-Use Assets | 958 | 869 | +10.2% |
| Intangible Assets | 115 | 146 | -21.2% |
Show Finite Lived Intangible Assets By Major Class breakouts |
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| Core Deposits | 59 | 78 | -24.4% |
| Customer Relationships | 15 | 21 | -28.6% |
| Naming Rights [Member] | 12 | 17 | -29.4% |
| Other Intangible Assets | 28 | 29 | -3.4% |
| Technology Based Intangible Assets | 1 | 1 | 0.0% |
| Other Assets | |||
| Cash And Due From Banks | 1,464 | 1,409 | +3.9% |
Show Consolidated Entities breakouts |
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| Parent Company | 2,318 | 2,658 | -12.8% |
| Interest Bearing Cash And Due From Banks | 11,263 | 9,192 | +22.5% |
| Interest Bearing Deposits In Banks | 961 | 635 | +51.3% |
Show Consolidated Entities breakouts |
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| Variable Interest Entity Primary Beneficiary | 157 | 209 | -24.9% |
| Debt Securities Available For Sale Excluding Accrued Interest | 35,697 | 32,765 | +8.9% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level1 | 3,123 | 3,525 | -11.4% |
| Fair Value Inputs Level1 · US Treasury Securities | 3,123 | 3,525 | -11.4% |
| Fair Value Inputs Level2 | 32,574 | 29,240 | +11.4% |
| Fair Value Inputs Level2 · Collateralized Debt Obligations | 89 | 184 | -51.6% |
| Fair Value Inputs Level2 · Mortgage Backed Securities | 32,484 | 29,055 | +11.8% |
| Fair Value Inputs Level2 · US States And Political Subdivisions | 1 | 1 | 0.0% |
Show Financial Instrument breakouts |
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| Collateralized Debt Obligations | 89 | 184 | -51.6% |
| Debt Securities | 35,697 | 32,765 | +8.9% |
| Mortgage Backed Securities | 32,484 | 29,055 | +11.8% |
| Mortgage Backed Securities Issued By Private Enterprises | 264 | 260 | +1.5% |
| Mortgage Backed Securities Issued By US Government Sponsored Enterprises | 32,220 | 28,795 | +11.9% |
| Mortgage Backed Securities · Variable Interest Entity Not Primary Beneficiary | 780 | 708 | +10.2% |
| US States And Political Subdivisions | 1 | 1 | 0.0% |
| US Treasury And Government | 3,123 | 3,525 | -11.4% |
| US Treasury Securities | 3,123 | 3,525 | -11.4% |
Show Pledged Status breakouts |
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| Asset Pledged As Collateral | 108 | 152 | -28.9% |
| Debt Securities Held To Maturity Excluding Accrued Interest After Allowance For Credit Loss | 7,933 | 8,599 | -7.7% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 | 7,595 | 8,187 | -7.2% |
| Fair Value Inputs Level3 | 338 | 412 | -18.0% |
Show Financial Instrument breakouts |
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| Asset Backed Securities | 338 | 412 | -18.0% |
| Mortgage Backed Securities | 7,595 | 8,187 | -7.2% |
| Mortgage Backed Securities Issued By US Government Sponsored Enterprises | 7,595 | 8,187 | -7.2% |
Show Consolidated Entities breakouts |
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| Variable Interest Entity Not Primary Beneficiary | 338 | 412 | -18.0% |
Show Pledged Status breakouts |
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| Asset Pledged As Collateral | 67 | 83 | -19.3% |
| Loans Receivable Held For Sale Amount | 1,198 | 858 | +39.6% |
Show Business Segments breakouts |
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| TBD | 1.9 | — | — |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 · Commercial loans held for sale | 170 | 192 | -11.5% |
| Fair Value Inputs Level2 · Residential loans held for sale | 895 | 633 | +41.4% |
Show Financing Receivable Portfolio breakouts |
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| Commercial Portfolio Segment | 303 | 225 | +34.7% |
| Consumer Portfolio Segment | 895 | 633 | +41.4% |
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss | 142,692 | 139,203 | +2.5% |
Show Collateral breakouts |
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| Collateral Dependent · Commercial Portfolio Segment | 251 | 607 | -58.6% |
| Collateral Dependent · Consumer Portfolio Segment | 437 | 372 | +17.5% |
Show Credit Score Fico breakouts |
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| 620-679 · Consumer Portfolio Segment | 3,105 | 3,322 | -6.5% |
| 620-679 · Consumer Portfolio Segment | 414 | 526 | -21.3% |
| 620-679 · Consumer Portfolio Segment | 1,084 | 963 | +12.6% |
| 620-679 · Consumer Portfolio Segment | 260 | 519 | -49.9% |
| 620-679 · Consumer Portfolio Segment | 1,029 | 964 | +6.7% |
| 620-679 · Consumer Portfolio Segment | 318 | 350 | -9.1% |
| 680-739 · Consumer Portfolio Segment | 9,637 | 10,012 | -3.7% |
| 680-739 · Consumer Portfolio Segment | 983 | 1,206 | -18.5% |
| 680-739 · Consumer Portfolio Segment | 3,695 | 3,256 | +13.5% |
| 680-739 · Consumer Portfolio Segment | 449 | 974 | -53.9% |
| 680-739 · Consumer Portfolio Segment | 3,449 | 3,278 | +5.2% |
| 680-739 · Consumer Portfolio Segment | 1,061 | 1,298 | -18.3% |
| 740-799 · Consumer Portfolio Segment | 20,947 | 21,391 | -2.1% |
| 740-799 · Consumer Portfolio Segment | 1,111 | 1,339 | -17.0% |
| 740-799 · Consumer Portfolio Segment | 6,428 | 5,568 | +15.4% |
| 740-799 · Consumer Portfolio Segment | 618 | 1,340 | -53.9% |
| 740-799 · Consumer Portfolio Segment | 10,131 | 9,672 | +4.7% |
| 740-799 · Consumer Portfolio Segment | 2,659 | 3,472 | -23.4% |
| Greater than 800 · Consumer Portfolio Segment | 31,914 | 31,338 | +1.8% |
| Greater than 800 · Consumer Portfolio Segment | 775 | 835 | -7.2% |
| Greater than 800 · Consumer Portfolio Segment | 6,961 | 5,919 | +17.6% |
| Greater than 800 · Consumer Portfolio Segment | 650 | 1,351 | -51.9% |
| Greater than 800 · Consumer Portfolio Segment | 19,323 | 17,728 | +9.0% |
| Greater than 800 · Consumer Portfolio Segment | 4,205 | 5,505 | -23.6% |
| Less than 620 · Consumer Portfolio Segment | 2,743 | 2,924 | -6.2% |
| Less than 620 · Consumer Portfolio Segment | 291 | 357 | -18.5% |
| Less than 620 · Consumer Portfolio Segment | 897 | 789 | +13.7% |
| Less than 620 · Consumer Portfolio Segment | 333 | 560 | -40.5% |
| Less than 620 · Consumer Portfolio Segment | 1,078 | 1,067 | +1.0% |
| Less than 620 · Consumer Portfolio Segment | 144 | 151 | -4.6% |
| No FICO available · Consumer Portfolio Segment | 534 | 440 | +21.4% |
| No FICO available · Consumer Portfolio Segment | 487 | 387 | +25.8% |
| No FICO available · Consumer Portfolio Segment | 14 | 17 | -17.6% |
| No FICO available · Consumer Portfolio Segment | 29 | 36 | -19.4% |
| No FICO available · Consumer Portfolio Segment | 4 | — | — |
Show Financing Receivable Portfolio breakouts |
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| Commercial Portfolio Segment | 73,812 | 69,776 | +5.8% |
| Commercial Portfolio Segment · Commercial Loan | 49,232 | 42,551 | +15.7% |
| Commercial Portfolio Segment · Commercial Loan | 48,873 | 42,247 | +15.7% |
| Commercial Portfolio Segment · Commercial Loan | 63 | 35 | +80.0% |
| Commercial Portfolio Segment · Commercial Loan | 14 | 20 | -30.0% |
| Commercial Portfolio Segment · Commercial Loan | 5 | 8 | -37.5% |
| Commercial Portfolio Segment · Commercial Loan | 277 | 241 | +14.9% |
| Commercial Portfolio Segment · Commercial Loan | 1,440 | 1,651 | -12.8% |
| Commercial Portfolio Segment · Commercial Loan | 46,653 | 39,937 | +16.8% |
| Commercial Portfolio Segment · Commercial Loan | 862 | 722 | +19.4% |
| Commercial Portfolio Segment · Commercial Real Estate | 24,580 | 27,225 | -9.7% |
| Commercial Portfolio Segment · Commercial Real Estate | 23,700 | 26,212 | -9.6% |
| Commercial Portfolio Segment · Commercial Real Estate | 184 | 204 | -9.8% |
| Commercial Portfolio Segment · Commercial Real Estate | 58 | 27 | +114.8% |
| Commercial Portfolio Segment · Commercial Real Estate | 20 | 6 | +233.3% |
| Commercial Portfolio Segment · Commercial Real Estate | 618 | 776 | -20.4% |
| Commercial Portfolio Segment · Commercial Real Estate | 1,826 | 1,916 | -4.7% |
| Commercial Portfolio Segment · Commercial Real Estate | 20,865 | 22,741 | -8.2% |
| Commercial Portfolio Segment · Commercial Real Estate | 1,271 | 1,792 | -29.1% |
| Commercial Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due | 25 | 14 | +78.6% |
| Commercial Portfolio Segment · Financing Receivables1 To29 Days Past Due | 72,573 | 68,459 | +6.0% |
| Commercial Portfolio Segment · Financing Receivables30 To59 Days Past Due | 247 | 239 | +3.3% |
| Commercial Portfolio Segment · Financing Receivables60 To89 Days Past Due | 72 | 47 | +53.2% |
| Commercial Portfolio Segment · Nonaccrual | 895 | 1,017 | -12.0% |
| Commercial Portfolio Segment · Pass | 67,518 | 62,678 | +7.7% |
| Commercial Portfolio Segment · Special Mention | 2,133 | 2,514 | -15.2% |
| Commercial Portfolio Segment · Substandard Accrual | 3,266 | 3,567 | -8.4% |
| Consumer Portfolio Segment | 68,880 | 69,427 | -0.8% |
| Consumer Portfolio Segment · Automobile Loan | 2,310 | 4,744 | -51.3% |
| Consumer Portfolio Segment · Automobile Loan | 2,203 | 4,563 | -51.7% |
| Consumer Portfolio Segment · Automobile Loan | 59 | 100 | -41.0% |
| Consumer Portfolio Segment · Automobile Loan | 20 | 33 | -39.4% |
| Consumer Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due | 144 | 182 | -20.9% |
| Consumer Portfolio Segment · Financing Receivables1 To29 Days Past Due | 67,675 | 67,861 | -0.3% |
| Consumer Portfolio Segment · Financing Receivables30 To59 Days Past Due | 318 | 530 | -40.0% |
| Consumer Portfolio Segment · Financing Receivables60 To89 Days Past Due | 134 | 207 | -35.3% |
| Consumer Portfolio Segment · Home equity | 19,069 | 16,495 | +15.6% |
| Consumer Portfolio Segment · Home equity | 18,626 | 16,097 | +15.7% |
| Consumer Portfolio Segment · Home equity | 95 | 88 | +8.0% |
| Consumer Portfolio Segment · Home equity | 28 | 27 | +3.7% |
| Consumer Portfolio Segment · Home equity | 1 | — | — |
| Consumer Portfolio Segment · Other retail | 4,061 | 4,650 | -12.7% |
| Consumer Portfolio Segment · Other retail | 3,957 | 4,504 | -12.1% |
| Consumer Portfolio Segment · Other retail | 35 | 46 | -23.9% |
| Consumer Portfolio Segment · Other retail | 23 | 31 | -25.8% |
| Consumer Portfolio Segment · Residential Mortgage | 35,024 | 32,726 | +7.0% |
| Consumer Portfolio Segment · Residential Mortgage | 34,547 | 32,011 | +7.9% |
| Consumer Portfolio Segment · Residential Mortgage | 93 | 251 | -62.9% |
| Consumer Portfolio Segment · Residential Mortgage | 47 | 93 | -49.5% |
| Consumer Portfolio Segment · Residential Mortgage | 141 | 179 | -21.2% |
| Consumer Portfolio Segment · Student Loan | 8,416 | 10,812 | -22.2% |
| Consumer Portfolio Segment · Student Loan | 8,342 | 10,686 | -21.9% |
| Consumer Portfolio Segment · Student Loan | 36 | 45 | -20.0% |
| Consumer Portfolio Segment · Student Loan | 16 | 23 | -30.4% |
| Consumer Portfolio Segment · Student Loan | 2 | 2 | 0.0% |
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts |
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| FHA, VA And USDA Loans | 964 | 1,042 | -7.5% |
| FHA, VA And USDA Loans · Financing Receivables Equal To Greater Than90 Days Past Due | 141 | 172 | -18.0% |
| FHA, VA And USDA Loans · Financing Receivables1 To29 Days Past Due | 743 | 696 | +6.8% |
| FHA, VA And USDA Loans · Financing Receivables30 To59 Days Past Due | 53 | 119 | -55.5% |
| FHA, VA And USDA Loans · Financing Receivables60 To89 Days Past Due | 27 | 55 | -50.9% |
Show Financing Receivables Period Past Due breakouts |
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| Financing Receivables Equal To Greater Than90 Days Past Due | 169 | 196 | -13.8% |
| Financing Receivables1 To29 Days Past Due | 140,248 | 136,320 | +2.9% |
| Financing Receivables30 To59 Days Past Due | 565 | 769 | -26.5% |
| Financing Receivables60 To89 Days Past Due | 206 | 254 | -18.9% |
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest | -1,943 | -2,061 | +5.7% |
Show Financing Receivable Portfolio breakouts |
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| Commercial Portfolio Segment | -1,058 | -1,140 | +7.2% |
| Consumer Portfolio Segment | -885 | -921 | +3.9% |
| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | 140,749 | 137,142 | +2.6% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 | 437 | 979 | -55.4% |
| Fair Value Inputs Level3 | 140,312 | 136,163 | +3.0% |
Show Financial Instrument breakouts |
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| Residential Mortgage · Consumer Portfolio Segment | 40.8 | 37.5 | +8.8% |
Show Consolidated Entities breakouts |
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| Variable Interest Entity Not Primary Beneficiary | 5,631 | 4,215 | +33.6% |
| Variable Interest Entity Primary Beneficiary | 1,929 | 3,843 | -49.8% |
Show Financing Receivable Portfolio breakouts |
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| Retail and Commercial · Auto, commercial and commercial real estate loans | 19 | 22.9 | -17.0% |
| Bank Owned Life Insurance | 3,441 | 3,364 | +2.3% |
| Other Intangible Assets Net | 115 | 146 | -21.2% |
| Other Assets | 14,428 | 14,349 | +0.6% |
Show Consolidated Entities breakouts |
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| Parent Company | 420 | 237 | +77.2% |
| Variable Interest Entity Not Primary Beneficiary | 2,967 | 2,902 | +2.2% |
| Variable Interest Entity Not Primary Beneficiary · Low Income Housing Tax Credit Partnerships | 2.8 | 2.6 | +7.7% |
| Variable Interest Entity Not Primary Beneficiary · Other Investments | 17 | 23 | -26.1% |
| Variable Interest Entity Not Primary Beneficiary · Renewable Energy Investments | 201 | 269 | -25.3% |
| Variable Interest Entity Primary Beneficiary | 11 | 21 | -47.6% |
| Non-Current Liabilities | |||
| Long-Term Debt | 11,224 | 12,401 | -9.5% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 | 11,224 | 12,401 | -9.5% |
Show Debt Instrument breakouts |
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| 2.500% fixed-rate senior unsecured notes, due February 2030 · Parent Company | 299 | 299 | 0.0% |
| 2.638% fixed-rate subordinated debt, due September 2032 · Parent Company | 577 | 570 | +1.2% |
| 2.850% fixed-rate senior unsecured notes, due July 2026 · Parent Company | 500 | 499 | +0.2% |
| 3.250% fixed-rate senior unsecured notes, due April 2030 · Parent Company | 747 | 747 | 0.0% |
| 3.750% fixed-rate reset subordinated debt, due February 2031 · Parent Company | 69 | 69 | 0.0% |
| 4.300% fixed-rate reset subordinated debt, due February 2031 · Parent Company | 135 | 135 | 0.0% |
| 4.350% fixed-rate reset subordinated debt, due February 2031 · Parent Company | 60 | 60 | 0.0% |
| 4.575% fixed/floating-rate senior unsecured notes, due August 2028 · Subsidiaries | 799 | 798 | +0.1% |
| 5.253% Fixed Rate Subordinated Debt, Due March 2031 · Parent Company | 747 | — | — |
| 5.641% fixed-rate reset subordinated debt, due May 2037 · Parent Company | 398 | 398 | 0.0% |
| 5.718% fixed/floating-rate senior unsecured notes, due July 2032 · Parent Company | 1,244 | 1,243 | +0.1% |
| 5.841% fixed/floating-rate senior unsecured notes, due January 2030 · Parent Company | 1,246 | 1,245 | +0.1% |
| 6.645% fixed/floating-rate senior unsecured notes, due April 2035 · Parent Company | 746 | 745 | +0.1% |
Show Consolidated Entities breakouts |
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| Parent Company | 6,768 | — | — |
| Parent Company · Unaffiliated companies | 6,768 | 6,480 | +4.4% |
| Subsidiaries | 4,456 | — | — |
| Subsidiaries · Federal Home Loan Bank Advances | 2,013 | 53 | +3698.1% |
| Subsidiaries · Other | 19 | 18 | +5.6% |
| Subsidiaries · Secured Debt | 1,625 | 3,461 | -53.0% |
| Variable Interest Entity Primary Beneficiary | 1,598 | 3,375 | -52.7% |
| Total Liabilities | 200,034 | 193,267 | +3.5% |
Show Consolidated Entities breakouts |
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| Parent Company | 7,158 | 6,840 | +4.6% |
| Variable Interest Entity Primary Beneficiary | 1,602 | 3,383 | -52.6% |
| Other Liabilities | |||
| Noninterest Bearing Deposit Liabilities | 40,417 | 36,920 | +9.5% |
| Interest Bearing Deposit Liabilities | 142,896 | 137,856 | +3.7% |
| Deposits | 183,313 | 174,776 | +4.9% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 | 183,313 | 174,776 | +4.9% |
| Short Term Borrowings | 58 | — | — |
Show Debt Instrument breakouts |
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| Other short-term borrowed funds | 58 | — | — |
Show Credit Facility breakouts |
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| Secured Debt · FHLB advances and letters of credit | 7.1 | 4.6 | +54.3% |
| Other Liabilities | 5,439 | 6,090 | -10.7% |
Show Consolidated Entities breakouts |
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| Parent Company | 390 | 360 | +8.3% |
| Variable Interest Entity Not Primary Beneficiary | 1,066 | 1,109 | -3.9% |
| Variable Interest Entity Not Primary Beneficiary · Other Investments | 2 | 4 | -50.0% |
| Variable Interest Entity Primary Beneficiary | 4 | 8 | -50.0% |
| Stockholders' Equity | |||
| Preferred Stock Value | 2,111 | 2,113 | -0.1% |
Show Statement Class Of Stock breakouts |
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| 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 | 392 | 0.0% |
| Series I | 393 | — | — |
| Common Stock | 7 | 7 | 0.0% |
| Additional Paid-In Capital | 22,476 | 22,364 | +0.5% |
| Retained Earnings | 11,345 | 10,412 | +9.0% |
| Treasury Stock Common Value | -7,652 | -7,047 | -8.6% |
| Accumulated Other Comprehensive Income | -1,970 | -3,595 | +45.2% |
| Total Stockholders' Equity | 26,317 | 24,254 | +8.5% |
Show Equity Components breakouts |
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| Accumulated Defined Benefit Plans Adjustment | -249 | -301 | +17.3% |
| Accumulated Gain Loss Net Cash Flow Hedge Parent | -118 | -925 | +87.2% |
| Accumulated Net Unrealized Investment Gain Loss | -1,603 | -2,369 | +32.3% |
| Accumulated Other Comprehensive Income | -1,970 | -3,595 | +45.2% |
| Additional Paid In Capital | 22,476 | 22,364 | +0.5% |
| Common Stock | 7 | 7 | 0.0% |
| Preferred Stock | 2,111 | 2,113 | -0.1% |
| Retained Earnings | 11,345 | 10,412 | +9.0% |
| Treasury Stock Common | -7,652 | -7,047 | -8.6% |
Show Consolidated Entities breakouts |
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| Parent Company | 26,316 | 24,254 | +8.5% |
| Total Liabilities & Equity | 226,351 | 217,521 | +4.1% |
Show Consolidated Entities breakouts |
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| Parent Company | 33,474 | 31,094 | +7.7% |
Cash Flow Statement
| Metric | YTD Q4 2025 | YTD Q4 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Net Income | 528 | 401 | +31.7% |
| Increase Decrease In Loans Held For Sale | -333 | -86 | -287.2% |
| Depreciation Amortization And Accretion Net | 112 | 124 | -9.7% |
| Deferred Income Taxes | 11 | -127 | +108.7% |
| Allocated Share Based Compensation Expense | 23 | 21 | +9.5% |
| Gain Loss On Disposition Of Assets1 | -8 | -4 | -100.0% |
| Increase Decrease In Other Operating Assets | -268 | -247 | -8.5% |
| Increase Decrease In Other Operating Liabilities | -360 | 239 | -250.6% |
| Net Cash from Operations | -158 | 483 | -132.7% |
| Depreciation & Amortization (Q) | — | — | — |
Show — breakouts |
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| Depreciation & Amortization | 290 | 283 | +2.5% |
| Depreciation & Amortization | 5 | 5 | 0.0% |
| Depreciation & Amortization | 107 | 100 | +7.0% |
| Investing Activities | |||
| Purchases of Investments | -3,918 | -3,258 | -20.3% |
| Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities | 1,248 | 1,192 | +4.7% |
| Proceeds From Sale Of Available For Sale Securities Debt | 2,579 | 1,539 | +67.6% |
| Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities | 213 | 161 | +32.3% |
| Proceeds From Payments For In Interest Bearing Deposits In Banks | -267 | 13 | -2153.8% |
| Payments To Acquire Finance Receivables | -38 | -138 | +72.5% |
| Proceeds From Sale Of Finance Receivables | 463 | 21 | +2104.8% |
| Payments For Proceeds From Loans And Leases | -1,958 | 2,190 | -189.4% |
| Payments For Proceeds From Productive Assets | -92 | -48 | -91.7% |
| Other Investing Activities | -164 | -64 | -156.2% |
| Net Cash from Investing | -1,934 | 1,608 | -220.3% |
| Transfer To Investments | 25 | 148 | -83.1% |
| Financing Activities | |||
| Increase Decrease In Deposits | 3,302 | -412 | +901.5% |
| Proceeds From Repayments Of Short Term Debt | -156 | -15 | -940.0% |
| Proceeds From Issuance Of Long Term Debt | 2,000 | 0 | — |
| Repayments Of Long Term Debt | -1,224 | -1,545 | +20.8% |
| Share Repurchases | -125 | -225 | +44.4% |
| Proceeds From Issuance Of Private Placement | 0 | 1 | -100.0% |
| Payments Of Dividends Common Stock | -200 | -188 | -6.4% |
| Payments Of Dividends Preferred Stock And Preference Stock | -33 | -38 | +13.2% |
Show Statement Class Of Stock breakouts |
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| Series B Preferred Stock | -6 | -6 | 0.0% |
| Series C Preferred Stock | -6 | -7 | +14.3% |
| Series E Preferred Stock | -6 | -6 | 0.0% |
| Series F Preferred Stock | -5 | -6 | +16.7% |
| Series G Preferred Stock | -3 | -3 | 0.0% |
| Proceeds From Payments For Other Financing Activities | 5 | 17 | -70.6% |
| Net Cash from Financing | 3,169 | -2,405 | +231.8% |
| Other Cash Flow | |||
| Net Change in Cash | 1,077 | -314 | +443.0% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 12,727 | 10,601 | +20.1% |
Show Consolidated Entities breakouts |
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| Parent Company | 2,318 | 2,658 | -12.8% |
Values in millions USD. Source: SEC EDGAR 10-K filing.