Allowance for Credit Losses and Unfunded Loan Commitments - Loan Portfolio Stratified by Key Credit Quality Indicators (Details) - USD ($)
$ in Thousands |
3 Months Ended |
9 Months Ended |
12 Months Ended |
Sep. 30, 2026 |
Sep. 30, 2025 |
Sep. 30, 2026 |
Sep. 30, 2025 |
Dec. 31, 2025 |
| Private Education Loans |
|
|
|
|
|
| % of Balance |
|
|
|
|
|
| Current period gross charge-offs, total |
$ (105,676)
|
$ (91,072)
|
$ (330,725)
|
$ (284,841)
|
|
| Current period recoveries, total |
15,290
|
13,541
|
38,721
|
36,868
|
|
| Current period net charge-offs, total |
(90,386)
|
$ (77,531)
|
(292,004)
|
$ (247,973)
|
|
| Loans purchased, previously charged off |
19,100
|
|
19,100
|
|
|
| Consumer Portfolio Segment | Student Loan |
|
|
|
|
|
| % of Balance |
|
|
|
|
|
| Current period gross charge-offs, Year 1 |
|
|
(656)
|
|
$ (1,579)
|
| Current period gross charge-offs, Year 2 |
|
|
(12,594)
|
|
(21,763)
|
| Current period gross charge-offs, Year 3 |
|
|
(43,392)
|
|
(73,247)
|
| Current period gross charge-offs, Year 4 |
|
|
(55,891)
|
|
(69,089)
|
| Current period gross charge-offs, Year 5 |
|
|
(53,109)
|
|
(51,038)
|
| Current period gross charge-offs, After Year 5 |
|
|
(165,083)
|
|
(182,920)
|
| Current period gross charge-offs, total |
|
|
(330,725)
|
|
(399,636)
|
| Current period recoveries, Year 1 |
|
|
110
|
|
101
|
| Current period recoveries, Year 2 |
|
|
622
|
|
1,647
|
| Current period recoveries, Year 3 |
|
|
1,859
|
|
6,969
|
| Current period recoveries, Year 4 |
|
|
4,037
|
|
7,858
|
| Current period recoveries, Year 5 |
|
|
4,091
|
|
6,440
|
| Current period recoveries, After Year 5 |
|
|
28,002
|
|
30,896
|
| Current period recoveries, total |
|
|
38,721
|
|
53,911
|
| Current period net charge-offs, Year 1 |
|
|
(546)
|
|
(1,478)
|
| Current period net charge-offs, Year 2 |
|
|
(11,972)
|
|
(20,116)
|
| Current period recoveries, Year 3 |
|
|
(41,533)
|
|
(66,278)
|
| Current period recoveries, Year 4 |
|
|
(51,854)
|
|
(61,231)
|
| Current period recoveries, Year 5 |
|
|
(49,018)
|
|
(44,598)
|
| Current period recoveries, After Year 5 |
|
|
(137,081)
|
|
(152,024)
|
| Current period net charge-offs, total |
|
|
(292,004)
|
|
(345,725)
|
| Total accrued interest by origination vintage, Year 1 |
72,624
|
|
72,624
|
|
169,560
|
| Total accrued interest by origination vintage, Year 2 |
407,129
|
|
407,129
|
|
486,685
|
| Total accrued interest by origination vintage, Year 3 |
424,457
|
|
424,457
|
|
304,418
|
| Total accrued interest by origination vintage, Year 4 |
262,192
|
|
262,192
|
|
230,680
|
| Total accrued interest by origination vintage, Year 5 |
201,305
|
|
201,305
|
|
134,777
|
| Total accrued interest by origination vintage, After Year 5 |
307,149
|
|
307,149
|
|
243,949
|
| Total accrued interest by origination vintage |
1,674,856
|
|
1,674,856
|
|
1,570,069
|
| Consumer Portfolio Segment | Student Loan | With and without cosigners |
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Year 1 |
3,422,456
|
|
3,422,456
|
|
4,331,374
|
| Year 2 |
5,099,601
|
|
5,099,601
|
|
5,440,721
|
| Year 3 |
3,471,818
|
|
3,471,818
|
|
2,693,020
|
| Year 4 |
2,073,327
|
|
2,073,327
|
|
2,282,218
|
| Year 5 |
1,928,580
|
|
1,928,580
|
|
1,613,592
|
| After Year 5 |
5,970,235
|
|
5,970,235
|
|
5,299,509
|
| Loan type |
$ 21,966,017
|
|
$ 21,966,017
|
|
$ 21,660,434
|
| % of Balance |
|
|
|
|
|
| Total in percent |
100.00%
|
|
100.00%
|
|
100.00%
|
| Consumer Portfolio Segment | Student Loan | With cosigner |
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Year 1 |
$ 3,057,884
|
|
$ 3,057,884
|
|
$ 3,983,409
|
| Year 2 |
4,735,821
|
|
4,735,821
|
|
4,968,667
|
| Year 3 |
3,139,934
|
|
3,139,934
|
|
2,324,100
|
| Year 4 |
1,782,652
|
|
1,782,652
|
|
1,950,843
|
| Year 5 |
1,647,057
|
|
1,647,057
|
|
1,366,905
|
| After Year 5 |
5,176,349
|
|
5,176,349
|
|
4,621,467
|
| Loan type |
$ 19,539,697
|
|
$ 19,539,697
|
|
$ 19,215,391
|
| % of Balance |
|
|
|
|
|
| Private education loans |
89.00%
|
|
89.00%
|
|
89.00%
|
| Consumer Portfolio Segment | Student Loan | Without cosigner |
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Year 1 |
$ 364,572
|
|
$ 364,572
|
|
$ 347,965
|
| Year 2 |
363,780
|
|
363,780
|
|
472,054
|
| Year 3 |
331,884
|
|
331,884
|
|
368,920
|
| Year 4 |
290,675
|
|
290,675
|
|
331,375
|
| Year 5 |
281,523
|
|
281,523
|
|
246,687
|
| After Year 5 |
793,886
|
|
793,886
|
|
678,042
|
| Loan type |
$ 2,426,320
|
|
$ 2,426,320
|
|
$ 2,445,043
|
| % of Balance |
|
|
|
|
|
| Private education loans |
11.00%
|
|
11.00%
|
|
11.00%
|
| Consumer Portfolio Segment | Student Loan | FICO at Origination |
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Year 1 |
$ 3,422,456
|
|
$ 3,422,456
|
|
$ 4,331,374
|
| Year 2 |
5,099,601
|
|
5,099,601
|
|
5,440,721
|
| Year 3 |
3,471,818
|
|
3,471,818
|
|
2,693,020
|
| Year 4 |
2,073,327
|
|
2,073,327
|
|
2,282,218
|
| Year 5 |
1,928,580
|
|
1,928,580
|
|
1,613,592
|
| After Year 5 |
5,970,235
|
|
5,970,235
|
|
5,299,509
|
| Loan type |
$ 21,966,017
|
|
$ 21,966,017
|
|
$ 21,660,434
|
| % of Balance |
|
|
|
|
|
| Total in percent |
100.00%
|
|
100.00%
|
|
100.00%
|
| Consumer Portfolio Segment | Student Loan | FICO at Origination | Less than 670 |
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Year 1 |
$ 226,754
|
|
$ 226,754
|
|
$ 263,280
|
| Year 2 |
329,970
|
|
329,970
|
|
321,462
|
| Year 3 |
210,230
|
|
210,230
|
|
214,219
|
| Year 4 |
172,307
|
|
172,307
|
|
199,017
|
| Year 5 |
172,787
|
|
172,787
|
|
127,109
|
| After Year 5 |
520,862
|
|
520,862
|
|
464,693
|
| Loan type |
$ 1,632,910
|
|
$ 1,632,910
|
|
$ 1,589,780
|
| % of Balance |
|
|
|
|
|
| Private education loans at origination |
7.00%
|
|
7.00%
|
|
7.00%
|
| Consumer Portfolio Segment | Student Loan | FICO at Origination | 670-699 |
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Year 1 |
$ 373,581
|
|
$ 373,581
|
|
$ 520,721
|
| Year 2 |
606,467
|
|
606,467
|
|
654,923
|
| Year 3 |
419,104
|
|
419,104
|
|
390,691
|
| Year 4 |
305,661
|
|
305,661
|
|
326,675
|
| Year 5 |
280,964
|
|
280,964
|
|
227,358
|
| After Year 5 |
972,408
|
|
972,408
|
|
886,853
|
| Loan type |
$ 2,958,185
|
|
$ 2,958,185
|
|
$ 3,007,221
|
| % of Balance |
|
|
|
|
|
| Private education loans at origination |
13.00%
|
|
13.00%
|
|
14.00%
|
| Consumer Portfolio Segment | Student Loan | FICO at Origination | 700-749 |
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Year 1 |
$ 900,323
|
|
$ 900,323
|
|
$ 1,254,937
|
| Year 2 |
1,450,478
|
|
1,450,478
|
|
1,645,649
|
| Year 3 |
1,051,145
|
|
1,051,145
|
|
834,804
|
| Year 4 |
644,028
|
|
644,028
|
|
716,088
|
| Year 5 |
604,827
|
|
604,827
|
|
516,516
|
| After Year 5 |
1,995,334
|
|
1,995,334
|
|
1,794,886
|
| Loan type |
$ 6,646,135
|
|
$ 6,646,135
|
|
$ 6,762,880
|
| % of Balance |
|
|
|
|
|
| Private education loans at origination |
30.00%
|
|
30.00%
|
|
31.00%
|
| Consumer Portfolio Segment | Student Loan | FICO at Origination | Greater than or equal to 750 |
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Year 1 |
$ 1,921,798
|
|
$ 1,921,798
|
|
$ 2,292,436
|
| Year 2 |
2,712,686
|
|
2,712,686
|
|
2,818,687
|
| Year 3 |
1,791,339
|
|
1,791,339
|
|
1,253,306
|
| Year 4 |
951,331
|
|
951,331
|
|
1,040,438
|
| Year 5 |
870,002
|
|
870,002
|
|
742,609
|
| After Year 5 |
2,481,631
|
|
2,481,631
|
|
2,153,077
|
| Loan type |
$ 10,728,787
|
|
$ 10,728,787
|
|
$ 10,300,553
|
| % of Balance |
|
|
|
|
|
| Private education loans at origination |
50.00%
|
|
50.00%
|
|
48.00%
|
| Consumer Portfolio Segment | Student Loan | FICO Refreshed |
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Year 1 |
$ 3,422,456
|
|
$ 3,422,456
|
|
$ 4,331,374
|
| Year 2 |
5,099,601
|
|
5,099,601
|
|
5,440,721
|
| Year 3 |
3,471,818
|
|
3,471,818
|
|
2,693,020
|
| Year 4 |
2,073,327
|
|
2,073,327
|
|
2,282,218
|
| Year 5 |
1,928,580
|
|
1,928,580
|
|
1,613,592
|
| After Year 5 |
5,970,235
|
|
5,970,235
|
|
5,299,509
|
| Loan type |
$ 21,966,017
|
|
$ 21,966,017
|
|
$ 21,660,434
|
| % of Balance |
|
|
|
|
|
| Total in percent |
100.00%
|
|
100.00%
|
|
100.00%
|
| Consumer Portfolio Segment | Student Loan | FICO Refreshed | Less than 670 |
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Year 1 |
$ 292,898
|
|
$ 292,898
|
|
$ 417,630
|
| Year 2 |
516,637
|
|
516,637
|
|
581,932
|
| Year 3 |
435,554
|
|
435,554
|
|
454,260
|
| Year 4 |
386,047
|
|
386,047
|
|
407,158
|
| Year 5 |
382,842
|
|
382,842
|
|
295,176
|
| After Year 5 |
1,146,464
|
|
1,146,464
|
|
971,004
|
| Loan type |
$ 3,160,442
|
|
$ 3,160,442
|
|
$ 3,127,160
|
| % of Balance |
|
|
|
|
|
| Private education loans at origination |
14.00%
|
|
14.00%
|
|
14.00%
|
| Consumer Portfolio Segment | Student Loan | FICO Refreshed | 670-699 |
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Year 1 |
$ 392,874
|
|
$ 392,874
|
|
$ 532,758
|
| Year 2 |
617,328
|
|
617,328
|
|
671,447
|
| Year 3 |
411,320
|
|
411,320
|
|
343,793
|
| Year 4 |
256,802
|
|
256,802
|
|
279,168
|
| Year 5 |
217,033
|
|
217,033
|
|
183,279
|
| After Year 5 |
641,606
|
|
641,606
|
|
569,616
|
| Loan type |
$ 2,536,963
|
|
$ 2,536,963
|
|
$ 2,580,061
|
| % of Balance |
|
|
|
|
|
| Private education loans at origination |
12.00%
|
|
12.00%
|
|
12.00%
|
| Consumer Portfolio Segment | Student Loan | FICO Refreshed | 700-749 |
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Year 1 |
$ 899,471
|
|
$ 899,471
|
|
$ 1,204,125
|
| Year 2 |
1,359,063
|
|
1,359,063
|
|
1,512,026
|
| Year 3 |
925,674
|
|
925,674
|
|
706,188
|
| Year 4 |
520,991
|
|
520,991
|
|
590,061
|
| Year 5 |
477,563
|
|
477,563
|
|
407,777
|
| After Year 5 |
1,481,192
|
|
1,481,192
|
|
1,330,695
|
| Loan type |
$ 5,663,954
|
|
$ 5,663,954
|
|
$ 5,750,872
|
| % of Balance |
|
|
|
|
|
| Private education loans at origination |
26.00%
|
|
26.00%
|
|
27.00%
|
| Consumer Portfolio Segment | Student Loan | FICO Refreshed | Greater than or equal to 750 |
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Year 1 |
$ 1,837,213
|
|
$ 1,837,213
|
|
$ 2,176,861
|
| Year 2 |
2,606,573
|
|
2,606,573
|
|
2,675,316
|
| Year 3 |
1,699,270
|
|
1,699,270
|
|
1,188,779
|
| Year 4 |
909,487
|
|
909,487
|
|
1,005,831
|
| Year 5 |
851,142
|
|
851,142
|
|
727,360
|
| After Year 5 |
2,700,973
|
|
2,700,973
|
|
2,428,194
|
| Loan type |
$ 10,604,658
|
|
$ 10,604,658
|
|
$ 10,202,341
|
| % of Balance |
|
|
|
|
|
| Private education loans at origination |
48.00%
|
|
48.00%
|
|
47.00%
|
| Consumer Portfolio Segment | Student Loan | Seasoning |
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Year 1 |
$ 3,422,456
|
|
$ 3,422,456
|
|
$ 4,331,374
|
| Year 2 |
5,099,601
|
|
5,099,601
|
|
5,440,721
|
| Year 3 |
3,471,818
|
|
3,471,818
|
|
2,693,020
|
| Year 4 |
2,073,327
|
|
2,073,327
|
|
2,282,218
|
| Year 5 |
1,928,580
|
|
1,928,580
|
|
1,613,592
|
| After Year 5 |
5,970,235
|
|
5,970,235
|
|
5,299,509
|
| Loan type |
$ 21,966,017
|
|
$ 21,966,017
|
|
$ 21,660,434
|
| % of Balance |
|
|
|
|
|
| Total in percent |
100.00%
|
|
100.00%
|
|
100.00%
|
| Consumer Portfolio Segment | Student Loan | Seasoning | 1-12 payments |
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Year 1 |
$ 2,085,549
|
|
$ 2,085,549
|
|
$ 2,583,918
|
| Year 2 |
2,015,876
|
|
2,015,876
|
|
725,720
|
| Year 3 |
428,938
|
|
428,938
|
|
453,904
|
| Year 4 |
286,120
|
|
286,120
|
|
331,804
|
| Year 5 |
223,729
|
|
223,729
|
|
194,121
|
| After Year 5 |
341,768
|
|
341,768
|
|
284,210
|
| Loan type |
$ 5,381,980
|
|
$ 5,381,980
|
|
$ 4,573,677
|
| % of Balance |
|
|
|
|
|
| Seasoning based on monthly scheduled payments due from 1-12 payments |
25.00%
|
|
25.00%
|
|
21.00%
|
| Consumer Portfolio Segment | Student Loan | Seasoning | 13-24 payments |
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Year 1 |
$ 0
|
|
$ 0
|
|
$ 0
|
| Year 2 |
1,205,962
|
|
1,205,962
|
|
2,859,837
|
| Year 3 |
1,407,710
|
|
1,407,710
|
|
319,450
|
| Year 4 |
192,252
|
|
192,252
|
|
205,689
|
| Year 5 |
162,208
|
|
162,208
|
|
132,671
|
| After Year 5 |
306,182
|
|
306,182
|
|
299,208
|
| Loan type |
$ 3,274,314
|
|
$ 3,274,314
|
|
$ 3,816,855
|
| % of Balance |
|
|
|
|
|
| Seasoning based on monthly scheduled payments due from 13 - 24 payments |
15.00%
|
|
15.00%
|
|
18.00%
|
| Consumer Portfolio Segment | Student Loan | Seasoning | 25-36 payments |
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Year 1 |
$ 0
|
|
$ 0
|
|
$ 0
|
| Year 2 |
0
|
|
0
|
|
0
|
| Year 3 |
597,580
|
|
597,580
|
|
1,260,916
|
| Year 4 |
733,035
|
|
733,035
|
|
302,417
|
| Year 5 |
158,813
|
|
158,813
|
|
132,813
|
| After Year 5 |
380,901
|
|
380,901
|
|
371,012
|
| Loan type |
$ 1,870,329
|
|
$ 1,870,329
|
|
$ 2,067,158
|
| % of Balance |
|
|
|
|
|
| Seasoning based on monthly scheduled payments due from 25 - 36 payments |
9.00%
|
|
9.00%
|
|
10.00%
|
| Consumer Portfolio Segment | Student Loan | Seasoning | 37-48 payments |
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Year 1 |
$ 0
|
|
$ 0
|
|
$ 0
|
| Year 2 |
0
|
|
0
|
|
0
|
| Year 3 |
0
|
|
0
|
|
0
|
| Year 4 |
402,965
|
|
402,965
|
|
1,039,762
|
| Year 5 |
746,039
|
|
746,039
|
|
232,301
|
| After Year 5 |
439,526
|
|
439,526
|
|
420,441
|
| Loan type |
$ 1,588,530
|
|
$ 1,588,530
|
|
$ 1,692,504
|
| % of Balance |
|
|
|
|
|
| Seasoning based on monthly scheduled payments due from 37 - 48 payments |
7.00%
|
|
7.00%
|
|
8.00%
|
| Consumer Portfolio Segment | Student Loan | Seasoning | More than 48 payments |
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Year 1 |
$ 0
|
|
$ 0
|
|
$ 0
|
| Year 2 |
0
|
|
0
|
|
0
|
| Year 3 |
0
|
|
0
|
|
0
|
| Year 4 |
0
|
|
0
|
|
0
|
| Year 5 |
321,917
|
|
321,917
|
|
706,571
|
| After Year 5 |
3,975,803
|
|
3,975,803
|
|
3,471,137
|
| Loan type |
$ 4,297,720
|
|
$ 4,297,720
|
|
$ 4,177,708
|
| % of Balance |
|
|
|
|
|
| Seasoning based on monthly scheduled payments due from more than 48 payments |
20.00%
|
|
20.00%
|
|
19.00%
|
| Consumer Portfolio Segment | Student Loan | Seasoning | Not yet in repayment |
|
|
|
|
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
|
|
|
|
| Year 1 |
$ 1,336,907
|
|
$ 1,336,907
|
|
$ 1,747,456
|
| Year 2 |
1,877,763
|
|
1,877,763
|
|
1,855,164
|
| Year 3 |
1,037,590
|
|
1,037,590
|
|
658,750
|
| Year 4 |
458,955
|
|
458,955
|
|
402,546
|
| Year 5 |
315,874
|
|
315,874
|
|
215,115
|
| After Year 5 |
526,055
|
|
526,055
|
|
453,501
|
| Loan type |
$ 5,553,144
|
|
$ 5,553,144
|
|
$ 5,332,532
|
| % of Balance |
|
|
|
|
|
| Seasoning based on monthly scheduled payments due from not yet in repayment |
24.00%
|
|
24.00%
|
|
24.00%
|