v3.26.1
Deposits (Tables)
 6 Months Ended
Jun. 30, 2026
Other Liabilities Disclosure [Abstract]  
Deposits by Type
The table below summarizes deposits by type:
June 30, 2026December 31, 2025
(in millions)
Non-interest bearing deposits$27,820 $24,353 
Interest bearing:
Demand accounts19,259 18,416 
Savings and money market accounts24,886 24,586 
Time certificates of deposit ($250,000 or more)2,396 2,276 
Other time deposits (1)7,513 7,528 
Total deposits$81,874 $77,159 
(1)    Other time deposits included $4.2 billion and $4.3 billion of brokered deposits as of June 30, 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 June 30, 2026 is as follows: 
(in millions)
2026$6,807 
20273,012 
202870 
202914 
20304 
20312 
Total$9,909 
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 June 30,Six Months Ended June 30,
2026202520262025
(in millions)
Income statement line item
   Interest income (1)$52.5 $61.3 $101.2 $119.4 
   Service charges and fees (1)8.4 4.4 16.7 8.6 
   Deposit costs (2)173.3 142.8 330.5 272.7 
Total earnings credit and referral costs$234.2 $208.5 $448.4 $400.7 
(1)    Earnings credits recorded as a reduction to Interest income and Service charges and fees.
(2)    Deposit costs also included other deposit related costs of $5.9 million and $4.6 million for the three months ended June 30, 2026 and 2025, respectively, and $12.0 million and $11.5 million for the six months ended June 30, 2026 and 2025, respectively, primarily associated with reciprocal deposits.