v3.26.1
Deposits (Tables)
 3 Months Ended
Mar. 31, 2026
Other Liabilities Disclosure [Abstract]  
Deposits by Type
The table below summarizes deposits by type:
March 31, 2026December 31, 2025
(in millions)
Non-interest bearing deposits$28,078 $24,353 
Interest bearing:
Demand accounts19,385 18,416 
Savings and money market accounts25,414 24,586 
Time certificates of deposit ($250,000 or more)2,269 2,276 
Other time deposits (1)7,577 7,528 
Total deposits$82,723 $77,159 
(1)    Other time deposits include $4.1 billion and $4.3 billion of brokered deposits as of March 31, 2026 and December 31, 2025, respectively.
Summary of Contractual Maturities for Time Deposits
A summary of the contractual maturities for all time deposits as of March 31, 2026 is as follows: 
(in millions)
2026$8,319 
20271,489 
202825 
20298 
20304 
20311 
Total$9,846 
Schedule Of Total Earnings Credit And Referral Costs The below table presents the income statement classification for total earnings credit and referral costs incurred on these deposits:
Three Months Ended March 31,
20262025
(in millions)
Income statement line item
   Interest income (1)$48.7 $58.1 
   Service charges and fees (1)8.3 4.2 
   Deposit costs (2)157.3 129.9 
Total earnings credit and referral costs$214.3 $192.2 
(1)    Earnings credits recorded as a reduction to Interest income and Service charges and fees.
(2)    Deposit costs also included $6.0 million and $6.9 million in other deposit related costs for the three months ended March 31, 2026 and 2025, respectively, primarily associated with reciprocal deposits.