Allowance for Credit Losses and Unfunded Loan Commitments - Loan Portfolio Stratified by Key Credit Quality Indicators (Details) - Consumer Portfolio Segment - Student Loan - USD ($)
$ in Thousands |
6 Months Ended |
12 Months Ended |
Jun. 30, 2026 |
Dec. 31, 2025 |
| % of Balance |
|
|
| Current period gross charge-offs, Year 1 |
$ (100)
|
$ (1,579)
|
| Current period gross charge-offs, Year 2 |
(7,253)
|
(21,763)
|
| Current period gross charge-offs, Year 3 |
(29,820)
|
(73,247)
|
| Current period gross charge-offs, Year 4 |
(40,405)
|
(69,089)
|
| Current period gross charge-offs, Year 5 |
(37,018)
|
(51,038)
|
| Current period gross charge-offs, After Year 5 |
(110,453)
|
(182,920)
|
| Current period gross charge-offs, total |
(225,049)
|
(399,636)
|
| Current period recoveries, Year 1 |
57
|
101
|
| Current period recoveries, Year 2 |
540
|
1,647
|
| Current period recoveries, Year 3 |
1,504
|
6,969
|
| Current period recoveries, Year 4 |
3,407
|
7,858
|
| Current period recoveries, Year 5 |
3,125
|
6,440
|
| Current period recoveries, After Year 5 |
14,798
|
30,896
|
| Current period recoveries, total |
23,431
|
53,911
|
| Current period net charge-offs, Year 1 |
(43)
|
(1,478)
|
| Current period net charge-offs, Year 2 |
(6,713)
|
(20,116)
|
| Current period recoveries, Year 3 |
(28,316)
|
(66,278)
|
| Current period recoveries, Year 4 |
(36,998)
|
(61,231)
|
| Current period recoveries, Year 5 |
(33,893)
|
(44,598)
|
| Current period recoveries, After Year 5 |
(95,655)
|
(152,024)
|
| Current period net charge-offs, total |
(201,618)
|
(345,725)
|
| Total accrued interest by origination vintage, Year 1 |
31,416
|
169,560
|
| Total accrued interest by origination vintage, Year 2 |
339,081
|
486,685
|
| Total accrued interest by origination vintage, Year 3 |
434,905
|
304,418
|
| Total accrued interest by origination vintage, Year 4 |
269,488
|
230,680
|
| Total accrued interest by origination vintage, Year 5 |
208,205
|
134,777
|
| Total accrued interest by origination vintage, After Year 5 |
321,753
|
243,949
|
| Total accrued interest by origination vintage |
1,604,848
|
1,570,069
|
| With and without cosigners |
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
| Year 1 |
1,131,734
|
4,331,374
|
| Year 2 |
5,347,952
|
5,440,721
|
| Year 3 |
3,880,911
|
2,693,020
|
| Year 4 |
2,223,093
|
2,282,218
|
| Year 5 |
2,034,115
|
1,613,592
|
| After Year 5 |
6,173,692
|
5,299,509
|
| Loan type |
$ 20,791,497
|
$ 21,660,434
|
| % of Balance |
|
|
| Total in percent |
100.00%
|
100.00%
|
| With cosigner |
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
| Year 1 |
$ 991,815
|
$ 3,983,409
|
| Year 2 |
4,964,770
|
4,968,667
|
| Year 3 |
3,514,495
|
2,324,100
|
| Year 4 |
1,914,043
|
1,950,843
|
| Year 5 |
1,737,913
|
1,366,905
|
| After Year 5 |
5,342,004
|
4,621,467
|
| Loan type |
$ 18,465,040
|
$ 19,215,391
|
| % of Balance |
|
|
| Private education loans |
89.00%
|
89.00%
|
| Without cosigner |
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
| Year 1 |
$ 139,919
|
$ 347,965
|
| Year 2 |
383,182
|
472,054
|
| Year 3 |
366,416
|
368,920
|
| Year 4 |
309,050
|
331,375
|
| Year 5 |
296,202
|
246,687
|
| After Year 5 |
831,688
|
678,042
|
| Loan type |
$ 2,326,457
|
$ 2,445,043
|
| % of Balance |
|
|
| Private education loans |
11.00%
|
11.00%
|
| FICO at Origination |
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
| Year 1 |
$ 1,131,734
|
$ 4,331,374
|
| Year 2 |
5,347,952
|
5,440,721
|
| Year 3 |
3,880,911
|
2,693,020
|
| Year 4 |
2,223,093
|
2,282,218
|
| Year 5 |
2,034,115
|
1,613,592
|
| After Year 5 |
6,173,692
|
5,299,509
|
| Loan type |
$ 20,791,497
|
$ 21,660,434
|
| % of Balance |
|
|
| Total in percent |
100.00%
|
100.00%
|
| FICO at Origination | Less than 670 |
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
| Year 1 |
$ 80,803
|
$ 263,280
|
| Year 2 |
341,876
|
321,462
|
| Year 3 |
232,357
|
214,219
|
| Year 4 |
182,582
|
199,017
|
| Year 5 |
180,764
|
127,109
|
| After Year 5 |
535,805
|
464,693
|
| Loan type |
$ 1,554,187
|
$ 1,589,780
|
| % of Balance |
|
|
| Private education loans at origination |
7.00%
|
7.00%
|
| FICO at Origination | 670-699 |
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
| Year 1 |
$ 144,145
|
$ 520,721
|
| Year 2 |
636,273
|
654,923
|
| Year 3 |
468,996
|
390,691
|
| Year 4 |
325,694
|
326,675
|
| Year 5 |
294,838
|
227,358
|
| After Year 5 |
1,002,040
|
886,853
|
| Loan type |
$ 2,871,986
|
$ 3,007,221
|
| % of Balance |
|
|
| Private education loans at origination |
14.00%
|
14.00%
|
| FICO at Origination | 700-749 |
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
| Year 1 |
$ 333,733
|
$ 1,254,937
|
| Year 2 |
1,523,655
|
1,645,649
|
| Year 3 |
1,175,230
|
834,804
|
| Year 4 |
690,110
|
716,088
|
| Year 5 |
637,923
|
516,516
|
| After Year 5 |
2,063,592
|
1,794,886
|
| Loan type |
$ 6,424,243
|
$ 6,762,880
|
| % of Balance |
|
|
| Private education loans at origination |
31.00%
|
31.00%
|
| FICO at Origination | Greater than or equal to 750 |
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
| Year 1 |
$ 573,053
|
$ 2,292,436
|
| Year 2 |
2,846,148
|
2,818,687
|
| Year 3 |
2,004,328
|
1,253,306
|
| Year 4 |
1,024,707
|
1,040,438
|
| Year 5 |
920,590
|
742,609
|
| After Year 5 |
2,572,255
|
2,153,077
|
| Loan type |
$ 9,941,081
|
$ 10,300,553
|
| % of Balance |
|
|
| Private education loans at origination |
48.00%
|
48.00%
|
| FICO Refreshed |
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
| Year 1 |
$ 1,131,734
|
$ 4,331,374
|
| Year 2 |
5,347,952
|
5,440,721
|
| Year 3 |
3,880,911
|
2,693,020
|
| Year 4 |
2,223,093
|
2,282,218
|
| Year 5 |
2,034,115
|
1,613,592
|
| After Year 5 |
6,173,692
|
5,299,509
|
| Loan type |
$ 20,791,497
|
$ 21,660,434
|
| % of Balance |
|
|
| Total in percent |
100.00%
|
100.00%
|
| FICO Refreshed | Less than 670 |
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
| Year 1 |
$ 110,992
|
$ 417,630
|
| Year 2 |
539,681
|
581,932
|
| Year 3 |
468,192
|
454,260
|
| Year 4 |
401,074
|
407,158
|
| Year 5 |
382,117
|
295,176
|
| After Year 5 |
1,143,614
|
971,004
|
| Loan type |
$ 3,045,670
|
$ 3,127,160
|
| % of Balance |
|
|
| Private education loans at origination |
15.00%
|
14.00%
|
| FICO Refreshed | 670-699 |
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
| Year 1 |
$ 146,910
|
$ 532,758
|
| Year 2 |
643,119
|
671,447
|
| Year 3 |
456,775
|
343,793
|
| Year 4 |
276,655
|
279,168
|
| Year 5 |
240,804
|
183,279
|
| After Year 5 |
673,845
|
569,616
|
| Loan type |
$ 2,438,108
|
$ 2,580,061
|
| % of Balance |
|
|
| Private education loans at origination |
12.00%
|
12.00%
|
| FICO Refreshed | 700-749 |
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
| Year 1 |
$ 325,063
|
$ 1,204,125
|
| Year 2 |
1,429,228
|
1,512,026
|
| Year 3 |
1,047,784
|
706,188
|
| Year 4 |
565,306
|
590,061
|
| Year 5 |
508,485
|
407,777
|
| After Year 5 |
1,545,467
|
1,330,695
|
| Loan type |
$ 5,421,333
|
$ 5,750,872
|
| % of Balance |
|
|
| Private education loans at origination |
26.00%
|
27.00%
|
| FICO Refreshed | Greater than or equal to 750 |
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
| Year 1 |
$ 548,769
|
$ 2,176,861
|
| Year 2 |
2,735,924
|
2,675,316
|
| Year 3 |
1,908,160
|
1,188,779
|
| Year 4 |
980,058
|
1,005,831
|
| Year 5 |
902,709
|
727,360
|
| After Year 5 |
2,810,766
|
2,428,194
|
| Loan type |
$ 9,886,386
|
$ 10,202,341
|
| % of Balance |
|
|
| Private education loans at origination |
47.00%
|
47.00%
|
| Seasoning |
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
| Year 1 |
$ 1,131,734
|
$ 4,331,374
|
| Year 2 |
5,347,952
|
5,440,721
|
| Year 3 |
3,880,911
|
2,693,020
|
| Year 4 |
2,223,093
|
2,282,218
|
| Year 5 |
2,034,115
|
1,613,592
|
| After Year 5 |
6,173,692
|
5,299,509
|
| Loan type |
$ 20,791,497
|
$ 21,660,434
|
| % of Balance |
|
|
| Total in percent |
100.00%
|
100.00%
|
| Seasoning | 1-12 payments |
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
| Year 1 |
$ 625,892
|
$ 2,583,918
|
| Year 2 |
2,793,675
|
725,720
|
| Year 3 |
487,828
|
453,904
|
| Year 4 |
347,650
|
331,804
|
| Year 5 |
267,914
|
194,121
|
| After Year 5 |
394,887
|
284,210
|
| Loan type |
$ 4,917,846
|
$ 4,573,677
|
| % of Balance |
|
|
| Seasoning based on monthly scheduled payments due from 1-12 payments |
23.00%
|
21.00%
|
| Seasoning | 13-24 payments |
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
| Year 1 |
$ 0
|
$ 0
|
| Year 2 |
532,772
|
2,859,837
|
| Year 3 |
1,968,361
|
319,450
|
| Year 4 |
205,184
|
205,689
|
| Year 5 |
175,357
|
132,671
|
| After Year 5 |
343,448
|
299,208
|
| Loan type |
$ 3,225,122
|
$ 3,816,855
|
| % of Balance |
|
|
| Seasoning based on monthly scheduled payments due from 13 - 24 payments |
16.00%
|
18.00%
|
| Seasoning | 25-36 payments |
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
| Year 1 |
$ 0
|
$ 0
|
| Year 2 |
0
|
0
|
| Year 3 |
228,789
|
1,260,916
|
| Year 4 |
983,927
|
302,417
|
| Year 5 |
173,699
|
132,813
|
| After Year 5 |
416,229
|
371,012
|
| Loan type |
$ 1,802,644
|
$ 2,067,158
|
| % of Balance |
|
|
| Seasoning based on monthly scheduled payments due from 25 - 36 payments |
9.00%
|
10.00%
|
| Seasoning | 37-48 payments |
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
| Year 1 |
$ 0
|
$ 0
|
| Year 2 |
0
|
0
|
| Year 3 |
0
|
0
|
| Year 4 |
190,864
|
1,039,762
|
| Year 5 |
945,077
|
232,301
|
| After Year 5 |
477,390
|
420,441
|
| Loan type |
$ 1,613,331
|
$ 1,692,504
|
| % of Balance |
|
|
| Seasoning based on monthly scheduled payments due from 37 - 48 payments |
8.00%
|
8.00%
|
| Seasoning | More than 48 payments |
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
| Year 1 |
$ 0
|
$ 0
|
| Year 2 |
0
|
0
|
| Year 3 |
0
|
0
|
| Year 4 |
0
|
0
|
| Year 5 |
140,105
|
706,571
|
| After Year 5 |
3,996,149
|
3,471,137
|
| Loan type |
$ 4,136,254
|
$ 4,177,708
|
| % of Balance |
|
|
| Seasoning based on monthly scheduled payments due from more than 48 payments |
20.00%
|
19.00%
|
| Seasoning | Not yet in repayment |
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
| Year 1 |
$ 505,842
|
$ 1,747,456
|
| Year 2 |
2,021,505
|
1,855,164
|
| Year 3 |
1,195,933
|
658,750
|
| Year 4 |
495,468
|
402,546
|
| Year 5 |
331,963
|
215,115
|
| After Year 5 |
545,589
|
453,501
|
| Loan type |
$ 5,096,300
|
$ 5,332,532
|
| % of Balance |
|
|
| Seasoning based on monthly scheduled payments due from not yet in repayment |
24.00%
|
24.00%
|