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KEY Q4 2025 request
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| Metric | Q4 2025 | Q4 2024 | YoY |
|---|---|---|---|
| Interest And Fee Income Loans And Leases Held In Portfolio | 1,439 | 1,448 | -0.6% |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income | -77 | -134 | +42.5% |
| Interest And Fee Income Loans And Leases Held For Sale | 18 | 20 | -10.0% |
| Interest Income Debt Securities Available For Sale Operating | 388 | 353 | +9.9% |
| Interest And Dividend Income Securities Held To Maturity | 76 | 66 | +15.2% |
| Interest Income Debt Securities Trading Operating | 12 | 16 | -25.0% |
| Interest Income Operating | 137 | 214 | -36.0% |
| Interest Income Other | 8 | 15 | -46.7% |
| Interest And Dividend Income Operating | 2,078 | 2,132 | -2.5% |
| Interest Expense Deposits | 688 | 821 | -16.2% |
| Interest Expense Federal Funds Purchased And Securities Sold Under Agreements To Repurchase | 4 | 1 | +300.0% |
| Interest Expense Short Term Borrowings Excluding Federal Funds And Securities Sold Under Agreements To Repurchase | 9 | 24 | -62.5% |
| Interest Expense Long Term Debt | 162 | 235 | -31.1% |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income | 0 | 1 | -100.0% |
| Interest Expense Operating | 863 | 1,081 | -20.2% |
| Interest Income Expense Net | 1,215 | 1,051 | +15.6% |
| Provision For Loan Lease And Other Losses | 108 | 39 | +176.9% |
| Interest Income Expense After Provision For Loan Loss | 1,107 | 1,012 | +9.4% |
| Trust And Investment Services Income | 156 | 142 | +9.9% |
| Investment Banking Advisory Brokerage And Underwriting Fees And Commissions | 243 | 221 | +10.0% |
| Cards And Payments Income | 84 | 85 | -1.2% |
| Service Charges On Deposit Accounts | 78 | 65 | +20.0% |
| Banking Services Income | 81 | 69 | +17.4% |
| Fees And Commissions Mortgage Banking And Servicing | 68 | 68 | 0.0% |
| Bank Owned Life Insurance Income | 40 | 36 | +11.1% |
| Consumer Mortgage Income | 16 | 16 | 0.0% |
| Operating Lease Lease Income | 9 | 15 | -40.0% |
| Noninterest Income Other | 7 | -5 | +240.0% |
| Debt And Equity Securities Gain Loss | 0 | -908 | +100.0% |
| Noninterest Income | 782 | -196 | +499.0% |
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| Commercial Bank · Operating Segments | 493 | 465 | +6.0% |
| Consumer Bank · Operating Segments | 252 | 233 | +8.2% |
Show Consolidation Items breakouts |
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| Other | 37 | -894 | +104.1% |
| Labor And Related Expense | 790 | 734 | +7.6% |
Show Business Segments breakouts |
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| Commercial Bank · Operating Segments | 214 | 208 | +2.9% |
| Consumer Bank · Operating Segments | 233 | 216 | +7.9% |
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| Other | 343 | 310 | +10.6% |
| Occupancy Net | 69 | 67 | +3.0% |
| Communications And Information Technology | 106 | 107 | -0.9% |
| Professional Fees | 61 | 55 | +10.9% |
| Equipment Expense | 22 | 20 | +10.0% |
| Operating Lease Expense | 8 | 15 | -46.7% |
| Marketing And Advertising Expense | 28 | 33 | -15.2% |
| Other Noninterest Expense | 157 | 198 | -20.7% |
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| Accumulated Defined Benefit Plans Adjustment Net Prior Service Cost Credit · Reclassification Out Of Accumulated Other Comprehensive Income | 2 | 2 | 0.0% |
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| Other Noninterest Expense | -12 | -16 | +25.0% |
| Noninterest Expense | 1,241 | 1,229 | +1.0% |
| Income Before Taxes | 648 | -413 | +256.9% |
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| Accumulated Defined Benefit Plans Adjustment · Reclassification Out Of Accumulated Other Comprehensive Income | -2 | 0 | — |
| Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income | -77 | -133 | +42.1% |
| Income Tax Expense (Benefit) | 139 | -169 | +182.2% |
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| Accumulated Defined Benefit Plans Adjustment · Reclassification Out Of Accumulated Other Comprehensive Income | 0 | 0 | — |
| Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income | -19 | -32 | +40.6% |
| Income Loss From Continuing Operations | 509 | -244 | +308.6% |
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| Accumulated Defined Benefit Plans Adjustment · Reclassification Out Of Accumulated Other Comprehensive Income | -2 | 0 | — |
| Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income | -58 | -101 | +42.6% |
| Net Income | 510 | -244 | +309.0% |
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| Commercial Bank · Operating Segments | 410 | 382 | +7.3% |
| Consumer Bank · Operating Segments | 137 | 83 | +65.1% |
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| Retained Earnings | 510 | -244 | +309.0% |
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| Other | -37 | -709 | +94.8% |
| Income Loss From Continuing Operations Attributable To Key Common Shareholders | 474 | -279 | +269.9% |
| Net Income Loss Available To Common Stockholders Basic | 475 | -279 | +270.3% |
| Income Loss From Continuing Operations Attributable To Commons Shareholders Per Basic Share | 0.43 | -0.29 | +248.3% |
| EPS (Basic) | 0.43 | -0.29 | +248.3% |
| Income Loss From Continuing Operations Attributable To Key Commons Shareholders Per Diluted Share | 0.43 | -0.29 | +248.3% |
| EPS (Diluted) | 0.43 | -0.29 | +248.3% |
| Wtd Avg Shares (Basic) | -962 | 12,599 | -107.6% |
| Wtd Avg Shares (Diluted) | -390 | 12,599 | -103.1% |
| Revenue | 2,005 | 865 | +131.8% |
Show Business Segments breakouts |
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| Commercial Bank · Operating Segments | 1,109 | 1,002 | +10.7% |
| Consumer Bank · Operating Segments | 948 | 865 | +9.6% |
Show Consolidation Items breakouts |
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| Other | -52 | -1,002 | +94.8% |
| Revenue | 477 | 448 | +6.5% |
Show Product Lines breakouts |
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| Cards and payments income | 85 | 84 | +1.2% |
| Investment banking and debt placement fees | 164 | 164 | 0.0% |
| Other noninterest income | 2 | 2 | 0.0% |
| Services charges on deposit accounts | 78 | 65 | +20.0% |
| Trust and investment services income | 148 | 133 | +11.3% |
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| Revenue | 31 | 20 | +55.0% |
| Revenue | 44 | 45 | -2.2% |
| Revenue | 420 | 388 | +8.2% |
| Revenue | -123 | -121 | -1.7% |
| Revenue | 20 | -7 | +385.7% |
| Revenue | 13 | 2 | +550.0% |
| Revenue | -56 | -64 | +12.5% |
| Revenue | 352 | 316 | +11.4% |
| Revenue | 342 | 289 | +18.3% |
| Revenue | 213 | 194 | +9.8% |
| Comprehensive Income | 699 | -433 | +261.4% |
| Other Comprehensive Income | 189 | -189 | +200.0% |
Show Equity Components breakouts |
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| Accumulated Defined Benefit Plans Adjustment | -3 | -30 | +90.0% |
| Accumulated Gain Loss Net Cash Flow Hedge Parent | 51 | -44 | +215.9% |
| Accumulated Net Unrealized Investment Gain Loss | 141 | -115 | +222.6% |
Balance Sheet
| Metric | Q4 2025 | Q4 2024 | YoY |
|---|---|---|---|
| Current Assets | |||
| Short-Term Investments | 10,163 | 17,504 | -41.9% |
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| Parent Company | 28 | 26 | +7.7% |
| Non-Current Assets | |||
| Goodwill | 2,752 | 2,752 | 0.0% |
Show Business Segments breakouts |
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| Commercial Bank | 933 | 933 | 0.0% |
| Consumer Bank | 1,819 | 1,819 | 0.0% |
| Total Assets | 184,381 | 187,168 | -1.5% |
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| Parent Company | 26,060 | 24,006 | +8.6% |
| Variable Interest Entity Not Primary Beneficiary | 508 | 733 | -30.7% |
| Variable Interest Entity Not Primary Beneficiary · LIHTC investments | 11,212 | 9,901 | +13.2% |
| Variable Interest Entity Not Primary Beneficiary · NMTC | 18 | 29 | -37.9% |
| Variable Interest Entity Not Primary Beneficiary · Principal investments: Indirect | 1,858 | 2,352 | -21.0% |
| Operating Lease Right-of-Use Assets | 444 | 453 | -2.0% |
| Other Assets | |||
| Cash And Due From Banks | 1,287 | 1,743 | -26.2% |
Show Consolidated Entities breakouts |
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| Parent Company | 4,868 | 5,149 | -5.5% |
| Trading Securities | 1,061 | 1,283 | -17.3% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 · Fair Value Measurements Recurring | 1,056 | 1,265 | -16.5% |
| Fair Value Inputs Level2 · Fair Value Measurements Recurring | 316 | 183 | +72.7% |
| Fair Value Inputs Level2 · Other Debt Securities | 6 | 25 | -76.0% |
| Fair Value Inputs Level2 · US States And Political Subdivisions | 60 | 127 | -52.8% |
| Fair Value Inputs Level2 · US Treasury And Government | 674 | 930 | -27.5% |
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| Other Debt Securities · Fair Value Measurements Recurring | 6 | 25 | -76.0% |
| US States And Political Subdivisions · Fair Value Measurements Recurring | 60 | 127 | -52.8% |
| US Treasury And Government · Fair Value Measurements Recurring | 674 | 930 | -27.5% |
Show Fair Value By Measurement Frequency breakouts |
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| Fair Value Measurements Recurring | 1,056 | 1,265 | -16.5% |
| Fair Value Measurements Recurring · Mortgage Backed Securities Other | 316 | 183 | +72.7% |
| Debt Securities Available For Sale Excluding Accrued Interest | 39,596 | 37,707 | +5.0% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 · Collateralized Mortgage Obligations | 8,565 | 9,224 | -7.1% |
| Fair Value Inputs Level2 · Commercial Mortgage Backed Securities | 3,950 | 4,410 | -10.4% |
| Fair Value Inputs Level2 · Fair Value Measurements Recurring | 39,596 | 37,707 | +5.0% |
| Fair Value Inputs Level2 · Residential Mortgage Backed Securities | 19,195 | 15,169 | +26.5% |
| Fair Value Inputs Level2 · US Treasury And Government | 7,886 | 8,904 | -11.4% |
Show Financial Instrument breakouts |
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| Collateralized Mortgage Obligations | 8,565 | 9,224 | -7.1% |
| Commercial Mortgage Backed Securities | 3,950 | 4,410 | -10.4% |
| Commercial Mortgage Backed Securities · Fair Value Measurements Recurring | 3,950 | 4,410 | -10.4% |
| Residential Mortgage Backed Securities | 19,195 | 15,169 | +26.5% |
| Residential Mortgage Backed Securities · Fair Value Measurements Recurring | 19,195 | 15,169 | +26.5% |
| US Treasury And Government | 7,886 | 8,904 | -11.4% |
| US Treasury And Government · Fair Value Measurements Recurring | 7,886 | 8,904 | -11.4% |
Show Derivative Risk breakouts |
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| Interest Rate Contract · Securities available for sale | 7 | 5 | +40.0% |
Show Fair Value By Asset Class breakouts |
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| Collateralized Mortgage Obligations · Fair Value Measurements Recurring | 8,565 | 9,224 | -7.1% |
Show Fair Value By Measurement Frequency breakouts |
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| Fair Value Measurements Recurring | 39,596 | 37,707 | +5.0% |
| Debt Securities Held To Maturity Excluding Accrued Interest After Allowance For Credit Loss | 8,622 | 7,395 | +16.6% |
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| Fair Value Inputs Level2 · Estimate Of Fair Value Fair Value Disclosure | 8,313 | 6,837 | +21.6% |
Show Financial Instrument breakouts |
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| Asset Backed Securities | 77 | 308 | -75.0% |
| Collateralized Mortgage Obligations | 4,026 | 4,577 | -12.0% |
| Commercial Mortgage Backed Securities | 2,121 | 2,333 | -9.1% |
| Other Debt Securities | 24 | 26 | -7.7% |
| Residential Mortgage Backed Securities | 2,374 | 151 | +1472.2% |
Show Fair Value By Measurement Basis breakouts |
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| Carrying Reported Amount Fair Value Disclosure | 8,622 | 7,395 | +16.6% |
| Estimate Of Fair Value Fair Value Disclosure | 8,313 | 6,837 | +21.6% |
| Other Investments | 949 | 1,041 | -8.8% |
Show Consolidated Entities breakouts |
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| Parent Company | 119 | 96 | +24.0% |
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss | 106,541 | 104,260 | +2.2% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level3 · Estimate Of Fair Value Fair Value Disclosure | 101,946 | 99,105 | +2.9% |
| Fair Value Inputs Level3 · Fair Value Measurements Recurring | 11 | 10 | +10.0% |
Show Collateral breakouts |
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| Collateral Pledged · Commercial Portfolio Segment | 1 | 3 | -66.7% |
Show Credit Score Fico breakouts |
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| 660 to 749 · Consumer Portfolio Segment | 1,023 | 1,142 | -10.4% |
| 660 to 749 · Consumer Portfolio Segment | 1,697 | 1,914 | -11.3% |
| 660 to 749 · Consumer Portfolio Segment | 364 | 372 | -2.2% |
| 660 to 749 · Consumer Portfolio Segment | 1,268 | 1,432 | -11.5% |
| 750 and above · Consumer Portfolio Segment | 3,046 | 3,469 | -12.2% |
| 750 and above · Consumer Portfolio Segment | 16,672 | 17,630 | -5.4% |
| 750 and above · Consumer Portfolio Segment | 479 | 476 | +0.6% |
| 750 and above · Consumer Portfolio Segment | 3,977 | 4,458 | -10.8% |
| Less than 660 · Consumer Portfolio Segment | 256 | 259 | -1.2% |
| Less than 660 · Consumer Portfolio Segment | 345 | 319 | +8.2% |
| Less than 660 · Consumer Portfolio Segment | 108 | 109 | -0.9% |
| Less than 660 · Consumer Portfolio Segment | 452 | 463 | -2.4% |
| No Score · Consumer Portfolio Segment | 319 | 297 | +7.4% |
| No Score · Consumer Portfolio Segment | 18 | 23 | -21.7% |
| No Score · Consumer Portfolio Segment | 2 | 1 | +100.0% |
| No Score · Consumer Portfolio Segment | 6 | 5 | +20.0% |
Show Fair Value By Measurement Basis breakouts |
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| Carrying Reported Amount Fair Value Disclosure | 105,103 | 102,841 | +2.2% |
| Carrying Reported Amount Fair Value Disclosure · Education Lending | 205 | 257 | -20.2% |
| Estimate Of Fair Value Fair Value Disclosure | 101,946 | 99,105 | +2.9% |
| Estimate Of Fair Value Fair Value Disclosure · Education Lending | 155 | 192 | -19.3% |
Show Fair Value By Measurement Frequency breakouts |
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| Fair Value Measurements Recurring | 11 | 10 | +10.0% |
Show Financial Instrument Performance Status breakouts |
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| Nonperforming Financing Receivable | 615 | 758 | -18.9% |
| Nonperforming Financing Receivable · Commercial Portfolio Segment | 420 | 565 | -25.7% |
| Nonperforming Financing Receivable · Commercial Portfolio Segment | 256 | 322 | -20.5% |
| Nonperforming Financing Receivable · Commercial Portfolio Segment | 157 | 243 | -35.4% |
| Nonperforming Financing Receivable · Commercial Portfolio Segment | 157 | 243 | -35.4% |
| Nonperforming Financing Receivable · Commercial Portfolio Segment | 7 | — | — |
| Nonperforming Financing Receivable · Consumer Portfolio Segment | 195 | 193 | +1.0% |
| Nonperforming Financing Receivable · Consumer Portfolio Segment | 4 | 5 | -20.0% |
| Nonperforming Financing Receivable · Consumer Portfolio Segment | 104 | 92 | +13.0% |
| Nonperforming Financing Receivable · Consumer Portfolio Segment | 7 | 7 | 0.0% |
| Nonperforming Financing Receivable · Consumer Portfolio Segment | 80 | 89 | -10.1% |
Show Financing Receivable Portfolio breakouts |
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| Commercial Portfolio Segment | 76,509 | 71,891 | +6.4% |
| Commercial Portfolio Segment · Commercial and Industrial | 57,688 | 52,909 | +9.0% |
| Commercial Portfolio Segment · Commercial and Industrial | 57,336 | 52,473 | +9.3% |
| Commercial Portfolio Segment · Commercial and Industrial | 352 | 436 | -19.3% |
| Commercial Portfolio Segment · Commercial and Industrial | 38 | 48 | -20.8% |
| Commercial Portfolio Segment · Commercial and Industrial | 17 | 21 | -19.0% |
| Commercial Portfolio Segment · Commercial and Industrial | 41 | 45 | -8.9% |
| Commercial Portfolio Segment · Commercial and Industrial | 3,315 | 3,682 | -10.0% |
| Commercial Portfolio Segment · Commercial and Industrial | 256 | 322 | -20.5% |
| Commercial Portfolio Segment · Commercial and Industrial | 54,117 | 48,905 | +10.7% |
| Commercial Portfolio Segment · Commercial lease financing | 2,270 | 2,736 | -17.0% |
| Commercial Portfolio Segment · Commercial lease financing | 2,260 | 2,728 | -17.2% |
| Commercial Portfolio Segment · Commercial lease financing | 10 | 8 | +25.0% |
| Commercial Portfolio Segment · Commercial lease financing | 3 | 1 | +200.0% |
| Commercial Portfolio Segment · Commercial lease financing | 129 | 115 | +12.2% |
| Commercial Portfolio Segment · Commercial lease financing | 2,134 | 2,621 | -18.6% |
| Commercial Portfolio Segment · Commercial lease financing | 7 | — | — |
| Commercial Portfolio Segment · Commercial Real Estate | 16,551 | 16,246 | +1.9% |
| Commercial Portfolio Segment · Commercial real estate loans | 16,551 | 16,246 | +1.9% |
| Commercial Portfolio Segment · Commercial real estate loans | 16,293 | 15,950 | +2.2% |
| Commercial Portfolio Segment · Commercial real estate loans | 258 | 296 | -12.8% |
| Commercial Portfolio Segment · Commercial real estate loans | 47 | 4 | +1075.0% |
| Commercial Portfolio Segment · Commercial real estate loans | 20 | 29 | -31.0% |
| Commercial Portfolio Segment · Commercial real estate loans | 34 | 20 | +70.0% |
| Commercial Portfolio Segment · Construction Loans | 2,844 | 2,936 | -3.1% |
| Commercial Portfolio Segment · Construction Loans | 2,843 | 2,932 | -3.0% |
| Commercial Portfolio Segment · Construction Loans | 1 | 4 | -75.0% |
| Commercial Portfolio Segment · Construction Loans | 1 | 4 | -75.0% |
| Commercial Portfolio Segment · Construction Loans | 278 | 332 | -16.3% |
| Commercial Portfolio Segment · Construction Loans | 2,566 | 2,604 | -1.5% |
| Commercial Portfolio Segment · Credit Card Receivables | 205 | 212 | -3.3% |
| Commercial Portfolio Segment · Financial Asset Not Past Due | 75,889 | 71,151 | +6.7% |
| Commercial Portfolio Segment · Financial Asset Past Due | 620 | 740 | -16.2% |
| Commercial Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due | 75 | 66 | +13.6% |
| Commercial Portfolio Segment · Financing Receivables30 To59 Days Past Due | 88 | 53 | +66.0% |
| Commercial Portfolio Segment · Financing Receivables60 To89 Days Past Due | 37 | 56 | -33.9% |
| Commercial Portfolio Segment · Real estate — commercial mortgage | 13,707 | 13,310 | +3.0% |
| Commercial Portfolio Segment · Real estate — commercial mortgage | 13,450 | 13,018 | +3.3% |
| Commercial Portfolio Segment · Real estate — commercial mortgage | 66 | 75 | -12.0% |
| Commercial Portfolio Segment · Real estate — commercial mortgage | 257 | 292 | -12.0% |
| Commercial Portfolio Segment · Real estate — commercial mortgage | 47 | 4 | +1075.0% |
| Commercial Portfolio Segment · Real estate — commercial mortgage | 20 | 29 | -31.0% |
| Commercial Portfolio Segment · Real estate — commercial mortgage | 33 | 16 | +106.2% |
| Commercial Portfolio Segment · Real estate — commercial mortgage | 1,005 | 1,416 | -29.0% |
| Commercial Portfolio Segment · Real estate — commercial mortgage | 157 | 244 | -35.7% |
| Commercial Portfolio Segment · Real estate — commercial mortgage | 12,545 | 11,650 | +7.7% |
| Commercial Portfolio Segment · Real estate — residential mortgage | 6 | 7 | -14.3% |
| Consumer Portfolio Segment | 30,032 | 32,369 | -7.2% |
| Consumer Portfolio Segment · Credit Card Receivables | 953 | 958 | -0.5% |
| Consumer Portfolio Segment · Credit Card Receivables | 926 | 928 | -0.2% |
| Consumer Portfolio Segment · Credit Card Receivables | 27 | 30 | -10.0% |
| Consumer Portfolio Segment · Credit Card Receivables | 6 | 6 | 0.0% |
| Consumer Portfolio Segment · Credit Card Receivables | 4 | 5 | -20.0% |
| Consumer Portfolio Segment · Credit Card Receivables | 10 | 12 | -16.7% |
| Consumer Portfolio Segment · Credit cards | 953 | 958 | -0.5% |
| Consumer Portfolio Segment · Financial Asset Not Past Due | 29,718 | 32,055 | -7.3% |
| Consumer Portfolio Segment · Financial Asset Past Due | 314 | 314 | 0.0% |
| Consumer Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due | 24 | 24 | 0.0% |
| Consumer Portfolio Segment · Financing Receivables30 To59 Days Past Due | 60 | 67 | -10.4% |
| Consumer Portfolio Segment · Financing Receivables60 To89 Days Past Due | 35 | 30 | +16.7% |
| Consumer Portfolio Segment · Home Equity Loan | 5,703 | 6,358 | -10.3% |
| Consumer Portfolio Segment · Home Equity Loan | 5,593 | 6,232 | -10.3% |
| Consumer Portfolio Segment · Home Equity Loan | 110 | 126 | -12.7% |
| Consumer Portfolio Segment · Home Equity Loan | 18 | 26 | -30.8% |
| Consumer Portfolio Segment · Home Equity Loan | 7 | 8 | -12.5% |
| Consumer Portfolio Segment · Home Equity Loan | 5 | 3 | +66.7% |
| Consumer Portfolio Segment · Other consumer loans | 4,644 | 5,167 | -10.1% |
| Consumer Portfolio Segment · Other consumer loans | 4,606 | 5,129 | -10.2% |
| Consumer Portfolio Segment · Other consumer loans | 38 | 38 | 0.0% |
| Consumer Portfolio Segment · Other consumer loans | 15 | 15 | 0.0% |
| Consumer Portfolio Segment · Other consumer loans | 10 | 9 | +11.1% |
| Consumer Portfolio Segment · Other consumer loans | 9 | 9 | 0.0% |
| Consumer Portfolio Segment · Real estate — residential mortgage | 18,732 | 19,886 | -5.8% |
| Consumer Portfolio Segment · Real estate — residential mortgage | 18,593 | 19,766 | -5.9% |
| Consumer Portfolio Segment · Real estate — residential mortgage | 139 | 120 | +15.8% |
| Consumer Portfolio Segment · Real estate — residential mortgage | 21 | 20 | +5.0% |
| Consumer Portfolio Segment · Real estate — residential mortgage | 14 | 8 | +75.0% |
Show Financing Receivables Period Past Due breakouts |
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| Financial Asset Not Past Due | 105,607 | 103,206 | +2.3% |
| Financial Asset Past Due | 934 | 1,054 | -11.4% |
| Financing Receivables Equal To Greater Than90 Days Past Due | 99 | 90 | +10.0% |
| Financing Receivables30 To59 Days Past Due | 148 | 120 | +23.3% |
| Financing Receivables60 To89 Days Past Due | 72 | 86 | -16.3% |
Show Income Statement Balance Sheet And Additional Disclosures By Disposal Groups Including Discontinued Operations breakouts |
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| Education Lending · Segment Discontinued Operations | 205 | 257 | -20.2% |
Show Pledged Status breakouts |
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| Asset Pledged As Collateral · Federal Home Loan Bank Advances | 71 | 67.5 | +5.2% |
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest | -1,427 | -1,409 | -1.3% |
Show Financing Receivable Portfolio breakouts |
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| Commercial Portfolio Segment | -1,078 | -1,037 | -4.0% |
| Commercial Portfolio Segment · Commercial and Industrial | -745 | -639 | -16.6% |
| Commercial Portfolio Segment · Commercial lease financing | -26 | -27 | +3.7% |
| Commercial Portfolio Segment · Commercial Real Estate | -307 | -371 | +17.3% |
| Commercial Portfolio Segment · Construction Loans | -55 | -51 | -7.8% |
| Commercial Portfolio Segment · Real estate — commercial mortgage | -252 | -320 | +21.2% |
| Consumer Portfolio Segment | -349 | -372 | +6.2% |
| Consumer Portfolio Segment · Credit cards | -82 | -76 | -7.9% |
| Consumer Portfolio Segment · Home Equity Loan | -52 | -70 | +25.7% |
| Consumer Portfolio Segment · Other consumer loans | -149 | -136 | -9.6% |
| Consumer Portfolio Segment · Real estate — residential mortgage | -66 | -90 | +26.7% |
Show Statement Operating Activities Segment breakouts |
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| Segment Discontinued Operations | -11 | -13 | +15.4% |
| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | 105,114 | 102,851 | +2.2% |
Show Consolidated Entities breakouts |
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| Parent Company | 300 | 300 | 0.0% |
| Parent Company · Banks | 300 | 300 | 0.0% |
| Loans Receivable Held For Sale Net Not Part Of Disposal Group | 1,077 | 797 | +35.1% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level3 · Estimate Of Fair Value Fair Value Disclosure | 928 | 704 | +31.8% |
Show Fair Value By Measurement Basis breakouts |
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| Carrying Reported Amount Fair Value Disclosure | 928 | 704 | +31.8% |
| Estimate Of Fair Value Fair Value Disclosure | 928 | 704 | +31.8% |
| Property Plant And Equipment And Finance Lease Right Of Use Asset After Accumulated Depreciation And Amortization | 628 | 614 | +2.3% |
| Intangible Assets Net Excluding Goodwill | 8 | 27 | -70.4% |
| Bank Owned Life Insurance | 4,432 | 4,394 | +0.9% |
| Other Assets | 8,481 | 8,797 | -3.6% |
Show Consolidated Entities breakouts |
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| Parent Company | 756 | 777 | -2.7% |
| Variable Interest Entity Not Primary Beneficiary | 2.4 | 2.5 | -4.0% |
| Assets Of Disposal Group Including Discontinued Operation | 211 | 263 | -19.8% |
| Non-Current Liabilities | |||
| Long-Term Debt | 9,917 | 12,105 | -18.1% |
Show Consolidated Entities breakouts |
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| Parent Company | 5,106 | 5,294 | -3.6% |
| Parent Company · Nonrelated Party | 4,659 | 4,850 | -3.9% |
| Parent Company · Subsidiaries | 447 | 444 | +0.7% |
| Subsidiaries | 4,811 | 6,811 | -29.4% |
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| Carrying Reported Amount Fair Value Disclosure | 9,917 | 12,105 | -18.1% |
| Total Liabilities | 164,000 | 168,992 | -3.0% |
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| Parent Company | 5,679 | 5,830 | -2.6% |
| Variable Interest Entity Not Primary Beneficiary · LIHTC investments | 5,026 | 4,468 | +12.5% |
| Variable Interest Entity Not Primary Beneficiary · Principal investments: Indirect | 3 | 3 | 0.0% |
| Other Liabilities | |||
| Interest Bearing Deposit Liabilities | 121,100 | 120,132 | +0.8% |
| Noninterest Bearing Deposit Liabilities | 27,613 | 29,628 | -6.8% |
| Deposits | 148,713 | 149,760 | -0.7% |
| Federal Funds Purchased And Securities Sold Under Agreements To Repurchase | 13 | 14 | -7.1% |
| Short Term Bank Loans And Notes Payable | 1,071 | 2,130 | -49.7% |
| Accrued Liabilities And Other Liabilities | 4,286 | 4,983 | -14.0% |
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| Parent Company | 573 | 536 | +6.9% |
| Variable Interest Entity Not Primary Beneficiary | 1.1 | 1.4 | -21.4% |
| Stockholders' Equity | |||
| Preferred Stock Value | 2,500 | 2,500 | 0.0% |
| Common Stock | 1,257 | 1,257 | 0.0% |
| Additional Paid-In Capital | 6,035 | 6,038 | -0.0% |
| Retained Earnings | 15,359 | 14,584 | +5.3% |
| Treasury Stock Common Value | -2,810 | -2,733 | -2.8% |
| Accumulated Other Comprehensive Income | -1,960 | -3,470 | +43.5% |
| Total Stockholders' Equity | 20,381 | 18,176 | +12.1% |
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| Accumulated Defined Benefit Plans Adjustment | -237 | -302 | +21.5% |
| Accumulated Gain Loss Net Cash Flow Hedge Parent | -7 | -434 | +98.4% |
| Accumulated Net Unrealized Investment Gain Loss | -1,716 | -2,734 | +37.2% |
| Accumulated Other Comprehensive Income | -1,960 | -3,470 | +43.5% |
| Additional Paid In Capital | 6,035 | 6,038 | -0.0% |
| Common Stock | 1,257 | 1,257 | 0.0% |
| Preferred Stock | 2,500 | 2,500 | 0.0% |
| Retained Earnings | 15,359 | 14,584 | +5.3% |
| Treasury Stock Common | -2,810 | -2,733 | -2.8% |
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| Parent Company | 20,381 | 18,176 | +12.1% |
| Total Liabilities & Equity | 184,381 | 187,168 | -1.5% |
Show Consolidated Entities breakouts |
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| Parent Company | 26,060 | 24,006 | +8.6% |
Cash Flow Statement
| Metric | YTD Q4 2025 | YTD Q4 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Depreciation Amortization And Accretion Net | 3 | 5 | -40.0% |
| Life Insurance Corporate Or Bank Owned Change In Value | -33 | -32 | -3.1% |
| Stock-Based Compensation | 33 | 28 | +17.9% |
| Increase Decrease In Deferred Income Taxes | 19 | -213 | +108.9% |
| Proceeds From Sale Of Loans Held For Sale | 3,286 | 3,075 | +6.9% |
| Originations Of Loans Held For Sale Net Of Repayments | -3,345 | -2,779 | -20.4% |
| Gain Loss On Sales Of Loans Net | -54 | -36 | -50.0% |
| Increase Decrease In Trading Securities | -89 | 121 | -173.6% |
| Increase Decrease In Accrued Income And Other Assets | 298 | -494 | +160.3% |
| Increase Decrease In Accrued Liabilities | -29 | 708 | -104.1% |
| Increase Decrease In Other Operating Capital Net | 11 | 645 | -98.3% |
| Net Cash from Operations | 718 | 1,727 | -58.4% |
| Investing Activities | |||
| Net Increase Decrease In Short Term Investments | 3,171 | 5,292 | -40.1% |
| Purchases of Investments | -1,296 | -8,516 | +84.8% |
| Proceeds From Sale Of Available For Sale Securities Debt | 0 | 2,034 | -100.0% |
| Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities | 2,362 | 1,000 | +136.2% |
| Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities | 295 | 309 | -4.5% |
| Proceeds From Sale Of Other Investments | -28 | 72 | -138.9% |
| Net Decrease Increase In Loans Excluding Acquisitions Sales And Transfers | -714 | 958 | -174.5% |
| Proceeds From Sale Of Loans Held For Investment | 34 | 38 | -10.5% |
| Proceeds From Life Insurance Policies | 30 | 17 | +76.5% |
| Payments To Acquire Productive Assets | -45 | -23 | -95.7% |
| Proceeds From Sale Of Property Plant And Equipment | 1 | 12 | -91.7% |
| Net Cash from Investing | 2,405 | 1,193 | +101.6% |
| Reduction Of Secured Borrowing And Related Collateral | 1 | 1 | 0.0% |
| Transfer Of Loans Held For Sale To Portfolio Loans1 | 35 | 1 | +3400.0% |
| Transfer Of Portfolio Loans And Leases To Held For Sale1 | 0 | 0 | — |
| Transfer To Other Real Estate | 2 | 2 | 0.0% |
| Financing Activities | |||
| Increase Decrease In Deposits | -2,052 | -593 | -246.0% |
| Proceeds From Short Term Debt | -265 | -259 | -2.3% |
| Proceeds From Issuance Of Long Term Debt | 72 | 81 | -11.1% |
| Repayments Of Long Term Debt | -1,071 | -3,408 | +68.6% |
| Payments For Repurchase Of Other Equity | 0 | -1 | +100.0% |
| Proceeds From Issuance Of Common Stock | 4 | 5 | -20.0% |
| Payments Of Dividends | -262 | -238 | -10.1% |
| Net Cash from Financing | -3,774 | -2,453 | -53.9% |
| Supplemental | |||
| Interest Paid | 871 | 1,048 | -16.9% |
| Income Taxes Paid | 43 | -1 | +4400.0% |
| Other Cash Flow | |||
| Net Change in Cash | -651 | 467 | -239.4% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 1,287 | 1,743 | -26.2% |
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| Parent Company | 4,868 | 5,149 | -5.5% |
Values in millions USD. Source: SEC EDGAR 10-K filing.