Document


Table of Contents						Page

Consolidated Financial Highlights						3

Consolidated Statements of Operations (unaudited)						4

Consolidated Balance Sheets (unaudited)						5

Loans and Deposits						6

Average Balance Sheets, Annualized Yields and Rates						7

Mortgage Banking Fees						9

Segment Financial Highlights						10

Credit-Related Information:
Nonaccrual loans and leases						13
Loans and Leases 90 Days or More Past Due and Accruing						14
Charge-offs, Recoveries, and Related Ratios						15
Summary of Changes in the Components of the Allowance for Credit Losses						17

Capital and Ratios						18

Non-GAAP Financial Measures and Reconciliations						19
The information in this Financial Supplement is preliminary and based on company data available at the time of the earnings presentation. It speaks only as of the particular date or dates included in the accompanying pages. The Company does not undertake an obligation to, and disclaims any duty to, update any of the information provided. Any forward-looking statements in this Financial Supplement are subject to the forward-looking statements language contained in the Company’s reports filed with the SEC pursuant to the Securities Exchange Act of 1934, which can be found on the SEC’s website (www.sec.gov) or on the Company’s website (www.citizensbank.com). The Company’s future financial performance is subject to the risks and uncertainties described in its SEC filings.


		QUARTERLY TRENDS																		FOR THE SIX MONTHS ENDED JUNE 30,
												2Q26 Change												2026 Change
		2Q26		1Q26		4Q25		3Q25		2Q25		1Q26				2Q25				2026		2025		2025
												$/bps		%		$/bps		%						$/bps		%
SELECTED OPERATING DATA
Total revenue	A	$2,283		$2,168		$2,157		$2,118		$2,037		$115		5	%	$246		12	%	$4,451		$3,972		$479		12	%
Noninterest expense	B	1,394		1,378		1,343		1,335		1,319		16		1		75		6		2,772		2,633		139		5
Pre-provision profit1		889		790		814		783		718		99		13		171		24		1,679		1,339		340		25
Provision (benefit) for credit losses		134		140		137		154		164		(6)		(4)		(30)		(18)		274		317		(43)		(14)
NET INCOME		587		517		528		494		436		70		14		151		35		1,104		809		295		36
Net income available to common stockholders		554		484		489		457		402		70		14		152		38		1,038		742		296		40
PER COMMON SHARE DATA
Basic earnings		$1.31		$1.14		$1.14		$1.06		$0.93		$0.17		15	%	$0.38		41	%	$2.45		$1.70		$0.75		44	%
Diluted earnings		1.30		1.13		1.13		1.05		0.92		0.17		15		0.38		41		2.42		1.69		0.73		43
Cash dividends declared and paid per common share		0.46		0.46		0.46		0.42		0.42		—		—		0.04		10		0.92		0.84		0.08		10
Book value per common share		56.95		56.48		56.39		54.97		53.43		0.47		1		3.52		7		56.95		53.43		3.52		7
Tangible book value per common share1		38.29		37.94		38.07		36.73		35.23		0.35		1		3.06		9		38.29		35.23		3.06		9
Dividend payout ratio		35	%	40	%	40	%	40	%	45	%	(524)	bps			(1,005)	bps			38	%	49	%	(1,186)	bps
COMMON SHARES OUTSTANDING
Average: Basic		422,871,137		425,344,491		429,483,110		431,365,552		433,640,210		(2,473,354)		(1	%)	(10,769,073)		(2	%)	424,100,982		435,967,554		(11,866,572)		(3	%)
Diluted		426,681,848		429,894,837		434,077,960		435,472,350		436,539,774		(3,212,989)		(1)		(9,857,926)		(2)		428,274,078		439,342,703		(11,068,625)		(3)
Common shares at period-end		422,677,660		426,023,578		429,242,174		431,453,142		432,768,811		(3,345,918)		(1)		(10,091,151)		(2)		422,677,660		432,768,811		(10,091,151)		(2)
FINANCIAL RATIOS
Net interest margin		3.16	%	3.14	%	3.06	%	2.99	%	2.94	%	2 bps				22 bps				3.15	%	2.91	%	24	bps
Net interest margin, FTE1,2		3.17		3.14		3.07		3.00		2.95		3				22				3.16		2.92		24
Return on average common equity		9.31		8.19		8.16		7.77		7.18		112				213				8.75		6.70		205
Return on average tangible common equity1		13.91		12.19		12.18		11.75		11.05		172				286				13.05		10.35		270
Return on average total assets		1.03		0.94		0.95		0.90		0.80		9				23				0.98		0.75		23
Return on average total tangible assets1		1.06		0.97		0.98		0.93		0.83		9				23				1.02		0.78		24
Effective income tax rate		22.29		20.46		22.03		21.38		21.37		183				92				21.44		20.86		58
Efficiency ratio	B/A	61.08		63.55		62.24		63.03		64.76		(247)				(368)				62.28		66.29		(401)
Noninterest income as a % of total revenue		28.54		27.95		28.75		29.75		29.41		59				(87)				28.25		28.79		(54)
Operating leverage:
Total revenue		$2,283		$2,168						$2,037		$115		5.25	%	$246		12.01	%	$4,451		$3,972		$479		12.06	%
Less: Noninterest expense		1,394		1,378						1,319		16		1.15		75		5.64		2,772		2,633		139		5.28
Operating leverage														4.10	%			6.37	%							6.78	%
CAPITAL RATIOS - PERIOD-END (PRELIMINARY)
CET1 capital ratio		10.4	%	10.5	%	10.6	%	10.7	%	10.6	%
Tier 1 capital ratio		11.6		11.7		11.9		11.9		11.9
Total capital ratio		13.6		13.7		13.8		13.9		13.8
Tier 1 leverage ratio		9.2		9.3		9.5		9.4		9.4
Common equity ratio		10.3		10.6		10.7		10.6		10.6
Tangible common equity ratio1		7.2		7.3		7.5		7.4		7.2
SELECTED BALANCE SHEET DATA
Loan-to-deposit ratio (period-end balances)		79.46	%	78.07	%	77.84	%	78.26	%	79.56	%	139	bps			(10)	bps			79.46	%	79.56	%	(10)	bps
Loan-to-deposit ratio (average balances)		79.58		79.09		78.82		79.57		79.72		49	bps			(14)	bps			79.34		80.30		(96)	bps
Full-time equivalent colleagues (period-end)		17,727		17,380		17,398		17,496		17,677		347		2	%	50		—	%	17,727		17,677		50		—	%


	QUARTERLY TRENDS											FOR THE SIX MONTHS ENDED JUNE 30,
						2Q26 Change								2026 Change
	2Q26	1Q26	4Q25	3Q25	2Q25	1Q26			2Q25			2026	2025	2025
						$	%		$	%				$	%
INTEREST INCOME
Interest and fees on loans and leases	$1,968	$1,884	$1,901	$1,897	$1,851	$84	4	%	$117	6	%	$3,852	$3,680	$172	5	%
Interest and fees on loans held for sale	26	21	22	31	36	5	24		(10)	(28)		47	52	(5)	(10)
Investment securities	446	424	434	433	428	22	5		18	4		870	846	24	3
Interest-bearing deposits in banks	103	91	89	97	92	12	13		11	12		194	181	13	7
Total interest income	2,543	2,420	2,446	2,458	2,407	123	5		136	6		4,963	4,759	204	4
INTEREST EXPENSE
Deposits	747	715	781	816	802	32	4		(55)	(7)		1,462	1,597	(135)	(8)
Short-term borrowed funds	9	4	—	5	9	5	125		—	—		13	17	(4)	(24)
Long-term borrowed funds	156	139	128	149	159	17	12		(3)	(2)		295	317	(22)	(7)
Total interest expense	912	858	909	970	970	54	6		(58)	(6)		1,770	1,931	(161)	(8)
Net interest income	1,631	1,562	1,537	1,488	1,437	69	4		194	14		3,193	2,828	365	13
NONINTEREST INCOME
Service charges and fees	117	112	112	112	111	5	4		6	5		229	220	9	4
Capital markets fees	153	134	140	166	105	19	14		48	46		287	205	82	40
Wealth fees	102	100	98	93	88	2	2		14	16		202	169	33	20
Card fees	89	83	86	87	90	6	7		(1)	(1)		172	173	(1)	(1)
Mortgage banking fees	42	42	52	49	73	—	—		(31)	(42)		84	132	(48)	(36)
Foreign exchange and derivative products	47	44	34	42	41	3	7		6	15		91	80	11	14
Letter of credit and loan fees	52	50	49	48	45	2	4		7	16		102	89	13	15
Securities gains, net	6	7	7	2	5	(1)	(14)		1	20		13	12	1	8
Other income	44	34	42	31	42	10	29		2	5		78	64	14	22
Total noninterest income	652	606	620	630	600	46	8		52	9		1,258	1,144	114	10
TOTAL REVENUE	2,283	2,168	2,157	2,118	2,037	115	5		246	12		4,451	3,972	479	12
Provision (benefit) for credit losses	134	140	137	154	164	(6)	(4)		(30)	(18)		274	317	(43)	(14)
NONINTEREST EXPENSE
Salaries and employee benefits	745	758	716	705	681	(13)	(2)		64	9		1,503	1,377	126	9
Equipment and software	195	197	199	197	193	(2)	(1)		2	1		392	387	5	1
Outside services	174	162	148	161	169	12	7		5	3		336	324	12	4
Occupancy	108	114	109	106	108	(6)	(5)		—	—		222	220	2	1
Other operating expense	172	147	171	166	168	25	17		4	2		319	325	(6)	(2)
Total noninterest expense	1,394	1,378	1,343	1,335	1,319	16	1		75	6		2,772	2,633	139	5
Income before income tax expense	755	650	677	629	554	105	16		201	36		1,405	1,022	383	37
Income tax expense	168	133	149	135	118	35	26		50	42		301	213	88	41
Net income	$587	$517	$528	$494	$436	$70	14	%	$151	35	%	$1,104	$809	$295	36	%

Net income available to common stockholders	$554	$484	$489	$457	$402	$70	14	%	$152	38	%	$1,038	$742	$296	40	%


PERIOD-END BALANCES	AS OF					JUNE 30, 2026 CHANGE
	June 30, 2026	Mar 31, 2026	Dec 31, 2025	Sept 30, 2025	June 30, 2025	March 31, 2026			June 30, 2025
						$	%		$	%
ASSETS
Cash and due from banks	$1,219	$1,084	$1,464	$1,254	$1,107	$135	12	%	$112	10	%
Interest-bearing cash and due from banks	11,541	11,246	11,263	10,396	7,441	295	3		4,100	55
Interest-bearing deposits in banks	1,107	830	961	694	680	277	33		427	63
Debt securities available for sale, at fair value	37,448	36,361	35,697	35,419	34,658	1,087	3		2,790	8
Debt securities held to maturity	7,638	7,800	7,933	8,124	8,293	(162)	(2)		(655)	(8)
Loans held for sale	1,458	1,537	1,198	1,334	2,093	(79)	(5)		(635)	(30)
Loans and leases	147,491	143,667	142,692	140,870	139,304	3,824	3		8,187	6
Less: Allowance for loan and lease losses	(1,969)	(1,958)	(1,943)	(1,972)	(2,008)	(11)	1		39	(2)
Net loans and leases	145,522	141,709	140,749	138,898	137,296	3,813	3		8,226	6
Premises and equipment	873	874	915	857	855	(1)	—		18	2
Bank-owned life insurance	3,470	3,464	3,441	3,422	3,408	6	—		62	2
Goodwill	8,220	8,221	8,187	8,187	8,187	(1)	—		33	—
Other intangible assets	105	112	115	123	129	(7)	(6)		(24)	(19)
Other assets	15,235	14,680	14,428	14,039	14,163	555	4		1,072	8
TOTAL ASSETS	$233,836	$227,918	$226,351	$222,747	$218,310	$5,918	3	%	$15,526	7	%
LIABILITIES AND STOCKHOLDERS' EQUITY
LIABILITIES
Deposits:
Noninterest-bearing	$40,939	$41,672	$40,417	$39,472	$38,001	($733)	(2	%)	$2,938	8	%
Interest-bearing	144,681	142,363	142,896	140,539	137,085	2,318	2		7,596	6
Total deposits	185,620	184,035	183,313	180,011	175,086	1,585	1		10,534	6
Short-term borrowed funds	1,159	54	58	214	249	1,105	NM		910	NM
Long-term borrowed funds:
FHLB advances	5,763	2,513	2,014	14	1,542	3,250	129		4,221	NM
Senior debt	7,078	7,076	6,328	6,825	6,821	2	—		257	4
Subordinated debt and other debt	2,349	2,671	2,882	3,602	4,163	(322)	(12)		(1,814)	(44)
Total long-term borrowed funds	15,190	12,260	11,224	10,441	12,526	2,930	24		2,664	21
Other liabilities	5,684	5,397	5,439	6,252	5,215	287	5		469	9
TOTAL LIABILITIES	207,653	201,746	200,034	196,918	193,076	5,907	3		14,577	8
STOCKHOLDERS' EQUITY
Preferred stock:
$25.00 par value, 100,000,000 shares authorized for each of the periods presented	2,111	2,111	2,111	2,111	2,113	—	—		(2)	—
Common stock:
$0.01 par value, 1,000,000,000 shares authorized for each of the periods presented	7	7	7	7	7	—	—		—	—
Additional paid-in capital	22,521	22,466	22,476	22,448	22,420	55	—		101	—
Retained earnings	11,987	11,631	11,345	11,056	10,783	356	3		1,204	11
Treasury stock, at cost	(8,182)	(7,955)	(7,652)	(7,526)	(7,450)	(227)	(3)		(732)	(10)
Accumulated other comprehensive income (loss)	(2,261)	(2,088)	(1,970)	(2,267)	(2,639)	(173)	(8)		378	14
TOTAL STOCKHOLDERS' EQUITY	26,183	26,172	26,317	25,829	25,234	11	—		949	4
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$233,836	$227,918	$226,351	$222,747	$218,310	$5,918	3	%	$15,526	7	%
Memo: Total tangible common equity1	$16,185	$16,165	$16,341	$15,848	$15,246	$20	—	%	$939	6	%


PERIOD-END BALANCES	AS OF					JUNE 30, 2026 CHANGE
	June 30, 2026	Mar 31, 2026	Dec 31, 2025	Sept 30, 2025	June 30, 2025	Mar 31, 2026			June 30, 2025
						$	%		$	%
LOANS AND LEASES
Commercial and industrial	$53,467	$50,307	$49,232	$46,953	$45,412	$3,160	6	%	$8,055	18	%
Commercial real estate	23,817	24,282	24,580	25,540	26,230	(465)	(2)		(2,413)	(9)
Total commercial	77,284	74,589	73,812	72,493	71,642	2,695	4		5,642	8
Residential mortgages	36,374	35,404	35,024	34,477	33,823	970	3		2,551	8
Home equity	20,276	19,449	19,069	18,415	17,711	827	4		2,565	14
Automobile	1,482	1,863	2,310	2,816	3,407	(381)	(20)		(1,925)	(57)
Education	8,044	8,340	8,416	8,556	8,550	(296)	(4)		(506)	(6)
Other retail	4,031	4,022	4,061	4,113	4,171	9	—		(140)	(3)
Total retail	70,207	69,078	68,880	68,377	67,662	1,129	2		2,545	4
Total loans and leases	$147,491	$143,667	$142,692	$140,870	$139,304	$3,824	3	%	$8,187	6	%
Loans held for sale	1,458	1,537	1,198	1,334	2,093	(79)	(5)		(635)	(30)
Loans and leases and loans held for sale	$148,949	$145,204	$143,890	$142,204	$141,397	$3,745	3	%	$7,552	5	%

DEPOSITS
Noninterest-bearing demand	$40,939	$41,672	$40,417	$39,472	$38,001	($733)	(2	%)	$2,938	8	%
Checking with interest	40,258	37,675	37,428	35,219	34,918	2,583	7		5,340	15
Savings	23,570	24,114	24,353	24,759	25,400	(544)	(2)		(1,830)	(7)
Money market	60,029	59,611	60,062	59,709	55,638	418	1		4,391	8
Time	20,824	20,963	21,053	20,852	21,129	(139)	(1)		(305)	(1)
Total deposits	$185,620	$184,035	$183,313	$180,011	$175,086	$1,585	1	%	$10,534	6	%


AVERAGE BALANCE SHEETS, ANNUALIZED YIELDS AND RATES
(dollars in millions)

	QUARTERLY TRENDS												2Q26 Change
	2Q26				1Q26				2Q25				1Q26			2Q25
	Average Balance	Interest	Rate		Average Balance	Interest	Rate		Average Balance	Interest	Rate		Average Balance	Interest	Rate	Average Balance	Interest	Rate
INTEREST-EARNING ASSETS
Interest-bearing cash and due from banks and deposits in banks	$10,839	$103	3.78	%	$10,079	$91	3.60	%	$8,217	$92	4.40	%	$760	$12	18 bps	$2,622	$11	(62) bps
Taxable investment securities	48,087	446	3.71		46,928	424	3.62		46,537	428	3.69		1,159	22	9	1,550	18	2
Non-taxable investment securities	1	—	2.60		1	—	2.60		1	—	2.60		—	—	—	—	—	—
Total investment securities	48,088	446	3.71		46,929	424	3.62		46,538	428	3.69		1,159	22	9	1,550	18	2
Commercial and industrial	52,214	707	5.35		50,140	644	5.14		44,936	549	4.84		2,074	63	21	7,278	158	51
Commercial real estate	24,334	333	5.41		24,401	328	5.38		26,487	384	5.73		(67)	5	3	(2,153)	(51)	(32)
Total commercial	76,548	1,040	5.37		74,541	972	5.22		71,423	933	5.17		2,007	68	15	5,125	107	20
Residential mortgages	35,793	367	4.09		35,090	353	4.03		33,420	327	3.92		703	14	6	2,373	40	17
Home equity	19,876	319	6.43		19,230	307	6.47		17,324	308	7.14		646	12	(4)	2,552	11	(71)
Automobile	1,667	20	4.78		2,090	24	4.68		3,705	41	4.41		(423)	(4)	10	(2,038)	(21)	37
Education	8,183	124	6.11		8,442	127	6.08		8,660	128	5.94		(259)	(3)	3	(477)	(4)	17
Other retail	4,061	98	9.67		4,017	101	10.22		4,277	114	10.66		44	(3)	(55)	(216)	(16)	(99)
Total retail	69,580	928	5.34		68,869	912	5.34		67,386	918	5.46		711	16	—	2,194	10	(12)
Total loans and leases	146,128	1,968	5.36		143,410	1,884	5.28		138,809	1,851	5.31		2,718	84	8	7,319	117	5
Loans held for sale	1,715	26	6.04		1,511	21	5.65		2,754	36	5.29		204	5	39	(1,039)	(10)	75
Total interest-earning assets	206,770	2,543	4.90		201,929	2,420	4.81		196,318	2,407	4.89		4,841	123	9	10,452	136	1
Noninterest-earning assets	22,493				22,295				21,343				198			1,150
TOTAL ASSETS	$229,263				$224,224				$217,661				$5,039			$11,602
INTEREST-BEARING LIABILITIES
Checking with interest	$38,632	$132	1.38	%	$37,027	$122	1.33	%	$33,847	$123	1.46	%	$1,605	$10	5	$4,785	$9	(8)
Savings	23,780	64	1.06		24,095	65	1.10		25,536	85	1.34		(315)	(1)	(4)	(1,756)	(21)	(28)
Money market	60,295	374	2.49		60,141	350	2.36		54,716	376	2.75		154	24	13	5,579	(2)	(26)
Time	21,032	177	3.39		20,766	178	3.46		22,679	218	3.85		266	(1)	(7)	(1,647)	(41)	(46)
Total interest-bearing deposits	143,739	747	2.08		142,029	715	2.04		136,778	802	2.35		1,710	32	4	6,961	(55)	(27)
Short-term borrowed funds	989	9	3.43		454	4	3.74		925	9	3.96		535	5	(31)	64	—	(53)
FHLB advances	3,538	35	3.94		1,408	14	4.02		1,063	12	4.64		2,130	21	(8)	2,475	23	(70)
Senior debt	7,078	89	5.01		6,843	86	5.04		7,042	90	5.07		235	3	(3)	36	(1)	(6)
Subordinated debt and other debt	2,496	32	5.09		2,824	39	5.50		4,394	57	5.18		(328)	(7)	(41)	(1,898)	(25)	(9)
Total long-term borrowed funds	13,112	156	4.74		11,075	139	5.03		12,499	159	5.07		2,037	17	(29)	613	(3)	(33)
Total borrowed funds	14,101	165	4.65		11,529	143	4.98		13,424	168	5.00		2,572	22	(33)	677	(3)	(35)
Total interest-bearing liabilities	157,840	912	2.31		153,558	858	2.26		150,202	970	2.59		4,282	54	5	7,638	(58)	(28)
Noninterest-bearing demand deposits	39,881				39,286				37,350				595			2,531
Other noninterest-bearing liabilities	5,592				5,274				5,503				318			89
TOTAL LIABILITIES	203,313				198,118				193,055				5,195			10,258
STOCKHOLDERS' EQUITY	25,950				26,106				24,606				(156)			1,344
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$229,263				$224,224				$217,661				$5,039			$11,602
INTEREST RATE SPREAD			2.59	%			2.55	%			2.30	%			4			29
NET INTEREST INCOME AND NET INTEREST MARGIN		$1,631	3.16	%		$1,562	3.14	%		$1,437	2.94	%		$69	2		$194	22
NET INTEREST INCOME AND NET INTEREST MARGIN, FTE1		$1,634	3.17	%		$1,565	3.14	%		$1,441	2.95	%		$69	3		$193	22
Memo: Total deposits (interest-bearing and noninterest-bearing demand)	$183,620	$747	1.63	%	$181,315	$715	1.60	%	$174,128	$802	1.85	%	$2,305	$32	3 bps	$9,492	($55)	(22) bps

1Net interest income and net interest margin are presented on a fully taxable-equivalent ("FTE") basis using the federal statutory tax rate of 21% to adjust for the tax-exempt status of income from certain assets held by the Company and are considered non-GAAP financial measures. For further information on these measures, refer to "Non-GAAP Financial Measures and Reconciliations."


AVERAGE BALANCE SHEETS, ANNUALIZED YIELDS AND RATES
(dollars in millions)

	FOR THE SIX MONTHS ENDED JUNE 30,								2026 Change
	2026				2025				2025
	Average Balance	Interest	Rate		Average Balance	Interest	Rate		Average Balance	Interest	Rate
INTEREST-EARNING ASSETS
Interest-bearing cash and due from banks and deposits in banks	$10,461	$194	3.69	%	$8,155	$181	4.41	%	$2,306	$13	(72)	bps
Taxable investment securities	47,511	870	3.67		46,304	846	3.66		1,207	24	1
Non-taxable investment securities	1	—	2.60		1	—	2.60		—	—	—
Total investment securities	47,512	870	3.67		46,305	846	3.66		1,207	24	1
Commercial and industrial	51,183	1,351	5.25		44,271	1,064	4.78		6,912	287	47
Commercial real estate	24,367	661	5.39		26,749	771	5.73		(2,382)	(110)	(34)
Total commercial	75,550	2,012	5.30		71,020	1,835	5.14		4,530	177	16
Residential mortgages	35,442	720	4.06		33,147	645	3.89		2,295	75	17
Home equity	19,555	626	6.45		16,988	601	7.14		2,567	25	(69)
Automobile	1,878	44	4.73		4,047	88	4.40		(2,169)	(44)	33
Education	8,312	251	6.09		9,670	276	5.76		(1,358)	(25)	33
Other retail	4,039	199	9.94		4,385	235	10.79		(346)	(36)	(85)
Total retail	69,226	1,840	5.34		68,237	1,845	5.44		989	(5)	(10)
Total loans and leases	144,776	3,852	5.32		139,257	3,680	5.29		5,519	172	3
Loans held for sale	1,613	47	5.85		1,975	52	5.30		(362)	(5)	55
Total interest-earning assets	204,362	4,963	4.85		195,692	4,759	4.86		8,670	204	(1)
Noninterest-earning assets	22,395				21,297				1,098
TOTAL ASSETS	$226,757				$216,989				$9,768
INTEREST-BEARING LIABILITIES
Checking with interest	$37,834	$254	1.36	%	$33,273	$233	1.41	%	$4,561	$21	(5)
Savings	23,937	129	1.08		25,647	174	1.37		(1,710)	(45)	(29)
Money market	60,218	724	2.43		54,575	733	2.71		5,643	(9)	(28)
Time	20,900	355	3.42		22,977	457	4.01		(2,077)	(102)	(59)
Total interest-bearing deposits	142,889	1,462	2.06		136,472	1,597	2.36		6,417	(135)	(30)
Short-term borrowed funds	723	13	3.53		800	17	4.20		(77)	(4)	(67)
FHLB advances	2,479	49	3.96		831	19	4.62		1,648	30	(66)
Senior debt	6,961	175	5.03		7,087	176	4.96		(126)	(1)	7
Subordinated debt and other debt	2,659	71	5.31		4,660	122	5.24		(2,001)	(51)	7
Total long-term borrowed funds	12,099	295	4.87		12,578	317	5.04		(479)	(22)	(17)
Total borrowed funds	12,822	308	4.80		13,378	334	4.99		(556)	(26)	(19)
Total interest-bearing liabilities	155,711	1,770	2.29		149,850	1,931	2.59		5,861	(161)	(30)
Noninterest-bearing demand deposits	39,585				36,948				2,637
Other noninterest-bearing liabilities	5,433				5,736				(303)
TOTAL LIABILITIES	200,729				192,534				8,195
STOCKHOLDERS' EQUITY	26,028				24,455				1,573
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$226,757				$216,989				$9,768
INTEREST RATE SPREAD			2.56	%			2.27	%			29
NET INTEREST INCOME AND NET INTEREST MARGIN		$3,193	3.15	%		$2,828	2.91	%		$365	24
NET INTEREST INCOME AND NET INTEREST MARGIN, FTE1		$3,199	3.16	%		$2,836	2.92	%		$363	24
Memo: Total deposits (interest-bearing and noninterest-bearing demand)	$182,474	$1,462	1.62	%	$173,420	$1,597	1.86	%	$9,054	($135)	(24)	bps


	QUARTERLY TRENDS																		FOR THE SIX MONTHS ENDED JUNE 30,
											2Q26 Change												2026 Change
	2Q26		1Q26		4Q25		3Q25		2Q25		1Q26				2Q25				2026		2025		2025
											$/bps		%		$/bps		%						$/bps		%
MORTGAGE BANKING FEES
Production revenue	$15		$21		$19		$18		$19		($6)		(29	%)	($4)		(21	%)	$36		$34		$2		6	%
Mortgage servicing revenue	30		24		21		29		28		6		25		2		7		54		60		(6)		(10)
MSR valuation changes, net of hedge impact	(3)		(3)		12		2		26		—		—		(29)		NM		(6)		38		(44)		NM
Total mortgage banking fees	$42		$42		$52		$49		$73		$—		—	%	($31)		(42	%)	$84		$132		($48)		(36	%)

Pull-through adjusted locks	$2,590		$2,299		$2,486		$2,150		$2,458		$291		13	%	$132		5	%	$4,889		$4,570		$319		7	%

Production revenue as a percentage of Pull-through adjusted locks	0.58	%	0.90	%	0.78	%	0.81	%	0.78	%	(33)	bps			(21)	bps			0.73	%	0.75	%	(2)	bps

RESIDENTIAL REAL ESTATE ORIGINATIONS
Retail	$2,657		$1,944		$2,175		$2,019		$2,189		$713		37	%	$468		21	%	$4,601		$3,633		$968		27	%
Third Party	2,079		1,854		2,179		1,837		1,916		225		12		163		9		3,933		3,390		543		16
Total	$4,736		$3,798		$4,354		$3,856		$4,105		$938		25	%	$631		15	%	$8,534		$7,023		$1,511		22	%

Originated for sale	$2,676		$2,415		$2,748		$2,379		$2,486		$261		11	%	$190		8	%	$5,091		$4,402		$689		16	%
Originated for investment	2,060		1,383		1,606		1,477		1,619		677		49		441		27		3,443		2,621		822		31
Total	$4,736		$3,798		$4,354		$3,856		$4,105		$938		25	%	$631		15	%	$8,534		$7,023		$1,511		22	%

MORTGAGE SERVICING INFORMATION (UPB)
Loans serviced for others	$94,589		$94,794		$94,877		$95,244		$95,422		($205)		—	%	($833)		(1	%)	$94,589		$95,422		($833)		(1	%)
Owned loans serviced	36,975		35,888		35,599		34,760		34,284		1,087		3		2,691		8		36,975		34,284		2,691		8
Total	$131,564		$130,682		$130,476		$130,004		$129,706		$882		1	%	$1,858		1	%	$131,564		$129,706		$1,858		1	%

MSR at fair value	$1,482		$1,462		$1,455		$1,430		$1,426		$20		1	%	$56		4	%	$1,482		$1,426		$56		4	%


	QUARTERLY TRENDS																		FOR THE SIX MONTHS ENDED JUNE 30,
CONSUMER BANKING											2Q26 Change												2026 Change
	2Q26		1Q26		4Q25		3Q25		2Q25		1Q26				2Q25				2026		2025		2025
											$/bps		%		$/bps		%						$/bps		%
Net interest income	$1,348		$1,309		$1,299		$1,262		$1,218		$39		3	%	$130		11	%	$2,657		$2,411		$246		10	%
Noninterest income	314		299		315		311		329		15		5		(15)		(5)		613		626		(13)		(2)
Total revenue	1,662		1,608		1,614		1,573		1,547		54		3		115		7		3,270		3,037		233		8
Noninterest expense	1,016		1,028		984		979		963		(12)		(1)		53		6		2,044		1,917		127		7
Profit (loss) before credit losses	646		580		630		594		584		66		11		62		11		1,226		1,120		106		9
Net charge-offs	72		71		80		81		81		1		1		(9)		(11)		143		167		(24)		(14)
Income (loss) before income tax expense (benefit)	574		509		550		513		503		65		13		71		14		1,083		953		130		14
Income tax expense (benefit)	148		131		139		130		127		17		13		21		17		279		241		38		16
Net income (loss)	$426		$378		$411		$383		$376		$48		13	%	$50		13	%	$804		$712		$92		13	%
AVERAGE BALANCES
Total assets	$85,302		$83,870		$82,552		$80,729		$78,822		$1,432		2	%	$6,480		8	%	$84,590		$78,182		$6,408		8	%
Total loans and leases1	78,550		77,089		75,980		74,274		72,402		1,461		2		6,148		8		77,824		71,732		6,092		8
Deposits	136,722		133,126		131,488		128,547		127,271		3,596		3		9,451		7		134,934		126,504		8,430		7
Interest-earning assets	79,163		77,695		76,583		74,870		72,988		1,468		2		6,175		8		78,433		72,315		6,118		8
KEY METRICS
Net interest margin	6.83	%	6.83	%	6.73	%	6.69	%	6.69	%	—	bps			14	bps			6.83	%	6.72	%	11	bps
Efficiency ratio	61.14		63.94		60.98		62.22		62.24		(280)	bps			(110)	bps			62.51		63.13		(62)	bps
Loan-to-deposit ratio (period-end balances)	58.07		56.55		57.28		57.40		57.24		152	bps			83	bps			58.07		57.24		83	bps
Loan-to-deposit ratio (average balances)	56.84		57.36		57.19		57.16		56.26		(52)	bps			58	bps			57.10		56.15		95	bps


	QUARTERLY TRENDS																		FOR THE SIX MONTHS ENDED JUNE 30,
COMMERCIAL BANKING											2Q26 Change												2026 Change
	2Q26		1Q26		4Q25		3Q25		2Q25		1Q26				2Q25				2026		2025		2025
											$/bps		%		$/bps		%						$/bps		%
Net interest income	$467		$456		$450		$448		$439		$11		2	%	$28		6	%	$923		$880		$43		5	%
Noninterest income	292		263		262		286		232		29		11		60		26		555		447		108		24
Total revenue	759		719		712		734		671		40		6		88		13		1,478		1,327		151		11
Noninterest expense	326		334		357		333		317		(8)		(2)		9		3		660		644		16		2
Profit (loss) before credit losses	433		385		355		401		354		48		12		79		22		818		683		135		20
Net charge-offs	63		64		70		78		84		(1)		(2)		(21)		(25)		127		161		(34)		(21)
Income (loss) before income tax expense (benefit)	370		321		285		323		270		49		15		100		37		691		522		169		32
Income tax expense (benefit)	90		78		70		75		64		12		15		26		41		168		120		48		40
Net income (loss)	$280		$243		$215		$248		$206		$37		15	%	$74		36	%	$523		$402		$121		30	%
AVERAGE BALANCES
Total assets	$69,614		$67,737		$66,750		$66,134		$66,284		$1,877		3	%	$3,330		5	%	$68,681		$65,827		$2,854		4	%
Total loans and leases1	66,421		64,574		63,356		62,905		63,057		1,847		3		3,364		5		65,502		62,749		2,753		4
Deposits	44,064		45,354		45,443		44,482		42,481		(1,290)		(3)		1,583		4		44,706		42,330		2,376		6
Interest-earning assets	67,145		65,345		64,248		63,719		63,710		1,800		3		3,435		5		66,250		63,366		2,884		5
KEY METRICS
Net interest margin	2.78	%	2.84	%	2.78	%	2.78	%	2.78	%	(6)	bps			—	bps			2.81	%	2.81	%	—	bps
Efficiency ratio	42.71		46.66		50.09		45.15		47.47		(395)	bps			(476)	bps			44.64		48.60		(396)	bps
Loan-to-deposit ratio (period-end balances)	142.67		141.03		132.96		132.70		139.59		164	bps			308	bps			142.67		139.59		308	bps
Loan-to-deposit ratio (average balances)	148.75		140.64		138.26		140.06		146.90		811	bps			185	bps			144.66		146.88		(222)	bps


	QUARTERLY TRENDS											FOR THE SIX MONTHS ENDED JUNE 30,
OTHER1						2Q26 Change								2026 Change
	2Q26	1Q26	4Q25	3Q25	2Q25	1Q26			2Q25			2026	2025	2025
						$	%		$	%				$	%
Net interest income	($184)	($203)	($212)	($222)	($220)	$19	9	%	$36	16	%	($387)	($463)	$76	16	%
Noninterest income	46	44	43	33	39	2	5		7	18		90	71	19	27
Total revenue	(138)	(159)	(169)	(189)	(181)	21	13		43	24		(297)	(392)	95	24
Noninterest expense	52	16	2	23	39	36	225		13	33		68	72	(4)	(6)
Profit (loss) before provision (benefit) for credit losses	(190)	(175)	(171)	(212)	(220)	(15)	(9)		30	14		(365)	(464)	99	21
Provision (benefit) for credit losses	(1)	5	(13)	(5)	(1)	(6)	NM		—	—		4	(11)	15	NM
Income (loss) before income tax expense (benefit)	(189)	(180)	(158)	(207)	(219)	(9)	(5)		30	14		(369)	(453)	84	19
Income tax expense (benefit)	(70)	(76)	(60)	(70)	(73)	6	8		3	4		(146)	(148)	2	1
Net income (loss)	($119)	($104)	($98)	($137)	($146)	($15)	(14	%)	$27	18	%	($223)	($305)	$82	27	%
AVERAGE BALANCES
Total assets	$74,347	$72,617	$71,940	$72,254	$72,555	$1,730	2	%	$1,792	2	%	$73,486	$72,980	$506	1	%
Total loans and leases2	2,872	3,258	3,944	4,950	6,104	(386)	(12)		(3,232)	(53)		3,064	6,751	(3,687)	(55)
Deposits	2,834	2,835	2,926	2,928	4,376	(1)	—		(1,542)	(35)		2,834	4,586	(1,752)	(38)
Interest-earning assets	60,462	58,889	58,336	59,009	59,620	1,573	3		842	1		59,680	60,011	(331)	(1)


	AS OF										JUNE 30, 2026 CHANGE
	June 30, 2026		Mar 31, 2026		Dec 31, 2025		Sept 30, 2025		June 30, 2025		Mar 31, 2026				June 30, 2025
											$/bps/%		%		$/bps/%		%
NONACCRUAL LOANS AND LEASES
Commercial and industrial	$244		$188		$277		$230		$233		$56		30	%	$11		5	%
Commercial real estate	574		679		618		703		706		(105)		(15)		(132)		(19)
Total commercial	818		867		895		933		939		(49)		(6)		(121)		(13)
Residential mortgages1	220		217		196		188		198		3		1		22		11
Home equity	316		324		319		297		282		(8)		(2)		34		12
Automobile	21		23		28		31		34		(2)		(9)		(13)		(38)
Education	21		21		20		20		19		—		—		2		11
Other retail	39		45		46		49		52		(6)		(13)		(13)		(25)
Total retail	617		630		609		585		585		(13)		(2)		32		5
Total nonaccrual loans and leases	1,435		1,497		1,504		1,518		1,524		(62)		(4)		(89)		(6)
ASSET QUALITY RATIOS
Allowance for loan and lease losses to loans and leases	1.33	%	1.36	%	1.36	%	1.40	%	1.44	%	(3)	bps			(11)	bps
Allowance for credit losses to loans and leases	1.48		1.52		1.53		1.56		1.59		(4)	bps			(11)	bps
Allowance for loan and lease losses to nonaccrual loans and leases	137		131		129		130		132		6	%			5	%
Allowance for credit losses to nonaccrual loans and leases	152		146		145		145		145		6	%			7	%
Nonaccrual loans and leases to loans and leases	0.97		1.04		1.05		1.08		1.09		(7)	bps			(12)	bps


	QUARTERLY TRENDS											FOR THE SIX MONTHS ENDED JUNE 30,
						2Q26 Change								2026 Change
	2Q26	1Q26	4Q25	3Q25	2Q25	1Q26			2Q25			2026	2025	2025
						$	%		$	%				$	%
CHARGE-OFFS, RECOVERIES AND RELATED RATIOS
GROSS CHARGE-OFFS
Commercial and industrial	$51	$50	$40	$33	$39	$1	2	%	$12	31	%	$101	$73	$28	38	%
Commercial real estate	25	41	42	58	54	(16)	(39)		(29)	(54)		66	105	(39)	(37)
Total commercial	76	91	82	91	93	(15)	(16)		(17)	(18)		167	178	(11)	(6)
Residential mortgages	1	1	5	1	—	—	—		1	100		2	1	1	100
Home equity	5	6	5	3	4	(1)	(17)		1	25		11	9	2	22
Automobile	8	9	12	13	14	(1)	(11)		(6)	(43)		17	34	(17)	(50)
Education	26	22	26	25	26	4	18		—	—		48	82	(34)	(41)
Other retail	50	54	57	62	64	(4)	(7)		(14)	(22)		104	131	(27)	(21)
Total retail	90	92	105	104	108	(2)	(2)		(18)	(17)		182	257	(75)	(29)
Total gross charge-offs	$166	$183	$187	$195	$201	($17)	(9	%)	($35)	(17	%)	$349	$435	($86)	(20	%)
GROSS RECOVERIES
Commercial and industrial	$2	$15	$6	$3	$—	($13)	(87	%)	$2	100	%	$17	$4	$13	NM
Commercial real estate	3	3	1	3	1	—	—		2	200		6	1	5	NM
Total commercial	5	18	7	6	1	(13)	(72)		4	NM		23	5	18	NM
Residential mortgages	1	3	—	1	—	(2)	(67)		1	100		4	1	3	NM
Home equity	5	4	5	6	6	1	25		(1)	(17)		9	11	(2)	(18)
Automobile	7	7	9	9	11	—	—		(4)	(36)		14	23	(9)	(39)
Education	6	6	6	5	8	—	—		(2)	(25)		12	13	(1)	(8)
Other retail	7	7	5	6	8	—	—		(1)	(13)		14	15	(1)	(7)
Total retail	26	27	25	27	33	(1)	(4)		(7)	(21)		53	63	(10)	(16)
Total gross recoveries	$31	$45	$32	$33	$34	($14)	(31	%)	($3)	(9	%)	$76	$68	$8	12	%
NET CHARGE-OFFS (RECOVERIES)
Commercial and industrial	$49	$35	$34	$30	$39	$14	40	%	$10	26	%	$84	$69	$15	22	%
Commercial real estate	22	38	41	55	53	(16)	(42)		(31)	(58)		60	104	(44)	(42)
Total commercial	71	73	75	85	92	(2)	(3)		(21)	(23)		144	173	(29)	(17)
Residential mortgages	—	(2)	5	—	—	2	100		—	—		(2)	—	(2)	—
Home equity	—	2	—	(3)	(2)	(2)	(100)		2	100		2	(2)	4	NM
Automobile	1	2	3	4	3	(1)	(50)		(2)	(67)		3	11	(8)	(73)
Education	20	16	20	20	18	4	25		2	11		36	69	(33)	(48)
Other retail	43	47	52	56	56	(4)	(9)		(13)	(23)		90	116	(26)	(22)
Total retail	64	65	80	77	75	(1)	(2)		(11)	(15)		129	194	(65)	(34)
Total net charge-offs	$135	$138	$155	$162	$167	($3)	(2	%)	($32)	(19	%)	$273	$367	($94)	(26	%)


	QUARTERLY TRENDS																		FOR THE SIX MONTHS ENDED JUNE 30,
											2Q26 Change												2026 Change
	2Q26		1Q26		4Q25		3Q25		2Q25		1Q26				2Q25				2026		2025		2025
											$/bps		%		$/bps		%						$/bps		%
ANNUALIZED NET CHARGE-OFF (RECOVERY) RATES
Commercial and industrial	0.38	%	0.28	%	0.28	%	0.26	%	0.35	%	10	bps			3	bps			0.33	%	0.31	%	2	bps
Commercial real estate	0.36		0.64		0.64		0.85		0.80		(28)				(44)				0.50		0.79		(29)
Total commercial	0.37		0.40		0.40		0.47		0.51		(3)				(14)				0.39		0.49		(10)
Residential mortgages	0.01		(0.02)		0.05		—		—		3				1				(0.01)		—		(1)
Home equity	0.01		0.04		—		(0.06)		(0.05)		(3)				6				0.03		(0.03)		6
Automobile	0.19		0.35		0.60		0.43		0.36		(16)				(17)				0.28		0.56		(28)
Education	0.94		0.80		0.94		0.92		0.86		14				8				0.87		1.44		(57)
Other retail	4.22		4.74		5.02		5.45		5.23		(52)				(101)				4.48		5.35		(87)
Total retail	0.37		0.38		0.46		0.45		0.45		(1)				(8)				0.38		0.57		(19)
Total loans and leases	0.37	%	0.39	%	0.43	%	0.46	%	0.48	%	(2)	bps			(11)	bps			0.38	%	0.53	%	(15)	bps
Memo: Average loans
Commercial and industrial	$52,214		$50,140		$48,108		$46,351		$44,936		$2,074		4	%	$7,278		16	%	$51,183		$44,271		$6,912		16	%
Commercial real estate	24,334		24,401		25,043		25,799		26,487		(67)		—		(2,153)		(8)		24,367		26,749		(2,382)		(9)
Total commercial	76,548		74,541		73,151		72,150		71,423		2,007		3		5,125		7		75,550		71,020		4,530		6
Residential mortgages	35,793		35,090		34,752		34,134		33,420		703		2		2,373		7		35,442		33,147		2,295		7
Home equity	19,876		19,230		18,754		18,027		17,324		646		3		2,552		15		19,555		16,988		2,567		15
Automobile	1,667		2,090		2,557		3,096		3,705		(423)		(20)		(2,038)		(55)		1,878		4,047		(2,169)		(54)
Education	8,183		8,442		8,469		8,513		8,660		(259)		(3)		(477)		(6)		8,312		9,670		(1,358)		(14)
Other retail	4,061		4,017		4,074		4,091		4,277		44		1		(216)		(5)		4,039		4,385		(346)		(8)
Total retail	69,580		68,869		68,606		67,861		67,386		711		1		2,194		3		69,226		68,237		989		1
Total loans and leases	$146,128		$143,410		$141,757		$140,011		$138,809		$2,718		2	%	$7,319		5	%	$144,776		$139,257		$5,519		4	%


	QUARTERLY TRENDS											FOR THE SIX MONTHS ENDED JUNE 30,
						2Q26 Change								2026 Change
	2Q26	1Q26	4Q25	3Q25	2Q25	1Q26			2Q25			2026	2025	2025
						$	%		$	%				$	%
SUMMARY OF CHANGES IN THE COMPONENTS OF THE ALLOWANCE FOR CREDIT LOSSES
Allowance for loan and lease losses - beginning	$1,958	$1,943	$1,972	$2,008	$2,014	$15	1	%	($56)	(3	%)	$1,943	$2,061	($118)	(6	%)









Charge-offs:
Commercial	76	91	82	91	93	(15)	(16)		(17)	(18)		167	178	(11)	(6)
Retail	90	92	105	104	108	(2)	(2)		(18)	(17)		182	257	(75)	(29)
Total charge-offs	166	183	187	195	201	(17)	(9)		(35)	(17)		349	435	(86)	(20)
Recoveries:
Commercial	5	18	7	6	1	(13)	(72)		4	NM		23	5	18	NM
Retail	26	27	25	27	33	(1)	(4)		(7)	(21)		53	63	(10)	(16)
Total recoveries	31	45	32	33	34	(14)	(31)		(3)	(9)		76	68	8	12
Net charge-offs	135	138	155	162	167	(3)	(2)		(32)	(19)		273	367	(94)	(26)
Provision (benefit) for loan and lease losses:
Commercial	72	130	50	62	50	(58)	(45)		22	44		202	139	63	45
Retail	74	23	76	64	111	51	222		(37)	(33)		97	175	(78)	(45)
Total provision (benefit) for loan and lease losses	146	153	126	126	161	(7)	(5)		(15)	(9)		299	314	(15)	(5)
Allowance for loan and lease losses - ending	$1,969	$1,958	$1,943	$1,972	$2,008	$11	1	%	($39)	(2	%)	$1,969	$2,008	($39)	(2	%)

Allowance for unfunded lending commitments - beginning	$227	$240	$229	$201	$198	($13)	(5	%)	$29	15	%	$240	$198	$42	21	%


Provision (benefit) for unfunded lending commitments	(12)	(13)	11	28	3	1	8	%	(15)	NM		(25)	3	(28)	NM
Allowance for unfunded lending commitments - ending	$215	$227	$240	$229	$201	($12)	(5	%)	$14	7	%	$215	$201	$14	7	%
Total allowance for credit losses - ending	$2,184	$2,185	$2,183	$2,201	$2,209	($1)	—	%	($25)	(1	%)	$2,184	$2,209	($25)	(1	%)

Memo: Total allowance for credit losses by product
Commercial	$1,293	$1,304	$1,252	$1,265	$1,269	($11)	(1	%)	$24	2	%	$1,293	$1,269	$24	2	%
Retail	891	881	931	936	940	10	1		(49)	(5)		891	940	(49)	(5)
Total allowance for credit losses	$2,184	$2,185	$2,183	$2,201	$2,209	($1)	—	%	($25)	(1	%)	$2,184	$2,209	($25)	(1	%)


	AS OF																FOR THE SIX MONTHS ENDED JUNE 30,
											JUNE 30, 2026 CHANGE								2026 Change
	June 30, 2026		Mar 31, 2026		Dec 31, 2025		Sept 30, 2025		June 30, 2025		Mar 31, 2026			June 30, 2025			2026	2025	2025
											$	%		$	%				$	%
CAPITAL RATIOS AND COMPONENTS (PRELIMINARY)
CET1 capital	$18,364		$18,178		$18,240		$18,046		$17,812		$186	1	%	$552	3	%
Tier 1 capital	20,475		20,289		20,351		20,157		19,925		186	1		550	3
Total capital	23,933		23,751		23,654		23,455		23,221		182	1		712	3
Risk-weighted assets	176,336		173,268		171,493		168,932		168,017		3,068	2		8,319	5
Adjusted average assets1	223,517		218,192		215,321		213,536		212,450		5,325	2		11,067	5
CET1 capital ratio	10.4	%	10.5	%	10.6	%	10.7	%	10.6	%
Tier 1 capital ratio	11.6		11.7		11.9		11.9		11.9
Total capital ratio	13.6		13.7		13.8		13.9		13.8
Tier 1 leverage ratio	9.2		9.3		9.5		9.4		9.4
TANGIBLE COMMON EQUITY (PERIOD-END)
Common stockholders' equity	$24,072		$24,061		$24,206		$23,718		$23,121		$11	—	%	$951	4	%	$24,072	$23,121	$951	4	%
Less: Goodwill	8,220		8,221		8,187		8,187		8,187		(1)	—		33	—		8,220	8,187	33	—
Less: Other intangible assets	105		112		115		123		128		(7)	(6)		(23)	(18)		105	128	(23)	(18)
Add: Deferred tax liabilities2	438		437		437		440		440		1	—		(2)	—		438	440	(2)	—
Total tangible common equity3	$16,185		$16,165		$16,341		$15,848		$15,246		$20	—	%	$939	6	%	$16,185	$15,246	$939	6	%
TANGIBLE COMMON EQUITY (AVERAGE)
Common stockholders' equity	$23,839		$23,995		$23,823		$23,288		$22,494		($156)	(1	%)	$1,345	6	%	$23,917	$22,342	$1,575	7	%
Less: Goodwill	8,221		8,198		8,187		8,187		8,187		23	—		34	—		8,209	8,187	22	—
Less: Other intangible assets	109		114		120		126		134		(5)	(4)		(25)	(19)		111	138	(27)	(20)
Add: Deferred tax liabilities2	438		437		440		440		438		1	—		—	—		437	438	(1)	—
Total tangible common equity3	$15,947		$16,120		$15,956		$15,415		$14,611		($173)	(1	%)	$1,336	9	%	$16,034	$14,455	$1,579	11	%
INTANGIBLE ASSETS (PERIOD-END)
Goodwill	$8,220		$8,221		$8,187		$8,187		$8,187		($1)	—	%	$33	—	%	$8,220	$8,187	$33	—	%
Other intangible assets	105		112		115		123		128		(7)	(6)		(23)	(18)		105	128	(23)	(18)
Total intangible assets	$8,325		$8,333		$8,302		$8,310		$8,315		($8)	—	%	$10	—	%	$8,325	$8,315	$10	—	%

(dollars in millions, except per share data)


		QUARTERLY TRENDS																		FOR THE SIX MONTHS ENDED JUNE 30,
												2Q26 Change												2026 Change
		2Q26		1Q26		4Q25		3Q25		2Q25		1Q26				2Q25				2026		2025		2025
												$		%		$		%						$		%
Pre-provision profit:
Total revenue (GAAP)	A	$2,283		$2,168		$2,157		$2,118		$2,037		$115		5	%	$246		12	%	$4,451		$3,972		$479		12	%
Less: Noninterest expense (GAAP)	B	1,394		1,378		1,343		1,335		1,319		16		1		75		6		2,772		2,633		139		5
Pre-provision profit (non-GAAP)		$889		$790		$814		$783		$718		$99		13	%	$171		24	%	$1,679		$1,339		$340		25	%
Book value per common share and tangible book value per common share:
Common shares - at period-end (GAAP)	C	422,677,660		426,023,578		429,242,174		431,453,142		432,768,811		(3,345,918)		(1	%)	(10,091,151)		(2	%)	422,677,660		432,768,811		(10,091,151)		(2	%)
Common stockholders' equity (GAAP)	D	$24,072		$24,061		$24,206		$23,718		$23,121		$11		—		$951		4		$24,072		$23,121		$951		4
Less: Goodwill (GAAP)		8,220		8,221		8,187		8,187		8,187		(1)		—		33		—		8,220		8,187		33		—
Less: Other intangible assets (GAAP)		105		112		115		123		128		(7)		(6)		(23)		(18)		105		128		(23)		(18)
Add: Deferred tax liabilities related to goodwill and other intangible assets (GAAP)		438		437		437		440		440		1		—		(2)		—		438		440		(2)		—
Tangible common equity (non-GAAP)	E	$16,185		$16,165		$16,341		$15,848		$15,246		$20		—	%	$939		6	%	$16,185		$15,246		$939		6	%
Book value per common share (GAAP)	D/C	$56.95		$56.48		$56.39		$54.97		$53.43		$0.47		1	%	$3.52		7	%	$56.95		$53.43		$3.52		7	%
Tangible book value per common share (non-GAAP)	E/C	38.29		37.94		38.07		36.73		35.23		0.35		1		3.06		9		38.29		35.23		3.06		9
Net interest income and net interest margin on an FTE basis:
Net interest income (annualized) (GAAP)	F	$6,542		$6,337		$6,098		$5,902		$5,770		$205		3	%	$772		13	%	$6,440		$5,704		$736		13	%
Average interest-earning assets (GAAP)	G	206,770		201,929		199,167		197,598		196,318		4,841		2		10,452		5		204,362		195,692		8,670		4
Net interest margin (GAAP)	F/G	3.16	%	3.14	%	3.06	%	2.99	%	2.94	%	2	bps			22	bps			3.15	%	2.91	%	24	bps
Net interest income (GAAP)		$1,631		$1,562		$1,537		$1,488		$1,437		$69		4	%	$194		14	%	$3,193		$2,828		$365		13	%
FTE adjustment		3		3		4		4		4		—		—		(1)		(25)		6		8		(2)		(25)
Net interest income on an FTE basis (non-GAAP)		1,634		1,565		1,541		1,492		1,441		69		4		193		13		3,199		2,836		363		13
Net interest income on an FTE basis (annualized) (non-GAAP)	H	6,555		6,350		6,112		5,919		5,786		204		3		769		13		6,453		5,720		733		13
Net interest margin on an FTE basis (non-GAAP)	H/G	3.17	%	3.14	%	3.07	%	3.00	%	2.95	%	3	bps			22	bps			3.16	%	2.92	%	24	bps
Return on average common equity and return on average tangible common equity:
Net income available to common stockholders (GAAP)	I	$554		$484		$489		$457		$402		$70		14	%	$152		38	%	$1,038		$742		$296		40	%
Average common equity (GAAP)	J	$23,839		$23,995		$23,823		$23,288		$22,494		($156)		(1)		$1,345		6		$23,917		$22,342		$1,575		7
Less: Average goodwill (GAAP)		8,221		8,198		8,187		8,187		8,187		23		—		34		—		8,209		8,187		22		—
Less: Average other intangibles (GAAP)		109		114		120		126		134		(5)		(4)		(25)		(19)		111		138		(27)		(20)
Add: Average deferred tax liabilities related to goodwill and other intangible assets (GAAP)		438		437		440		440		438		1		—		—		—		437		438		(1)		—
Average tangible common equity (non-GAAP)	K	$15,947		$16,120		$15,956		$15,415		$14,611		($173)		(1	%)	$1,336		9	%	$16,034		$14,455		$1,579		11	%
Return on average common equity (GAAP)	I/J	9.31	%	8.19	%	8.16	%	7.77	%	7.18	%	112	bps			213	bps			8.75	%	6.70	%	205	bps
Return on average tangible common equity (non-GAAP)	I/K	13.91	%	12.19	%	12.18	%	11.75	%	11.05	%	172	bps			286	bps			13.05	%	10.35	%	270	bps

(dollars in millions, except per share data)


		QUARTERLY TRENDS																		FOR THE SIX MONTHS ENDED JUNE 30,
												2Q26 Change												2026 Change
		2Q26		1Q26		4Q25		3Q25		2Q25		1Q26				2Q25				2026		2025		2025
												$/bps		%		$/bps		%						$/bps		%
Return on average total assets and return on average total tangible assets:
Net income (GAAP)	L	$587		$517		$528		$494		$436		$70		14	%	$151		35	%	$1,104		$809		$295		36	%
Average total assets (GAAP)	M	$229,263		$224,224		$221,242		$219,117		$217,661		$5,039		2		$11,602		5		$226,757		$216,989		$9,768		5
Less: Average goodwill (GAAP)		8,221		8,198		8,187		8,187		8,187		23		—		34		—		8,209		8,187		22		—
Less: Average other intangibles (GAAP)		109		114		120		126		134		(5)		(4)		(25)		(19)		111		138		(27)		(20)
Add: Average deferred tax liabilities related to goodwill and other intangible assets (GAAP)		438		437		440		440		438		1		—		—		—		437		438		(1)		—
Average tangible assets (non-GAAP)	N	$221,371		$216,349		$213,375		$211,244		$209,778		$5,022		2	%	$11,593		6	%	$218,874		$209,102		$9,772		5	%
Return on average total assets (GAAP)	L/M	1.03	%	0.94	%	0.95	%	0.90	%	0.80	%	9	bps			23	bps			0.98	%	0.75	%	23	bps
Return on average total tangible assets (non-GAAP)	L/N	1.06	%	0.97	%	0.98	%	0.93	%	0.83	%	9	bps			23	bps			1.02	%	0.78	%	24	bps
Common equity ratio and tangible common equity ratio:
Total assets (GAAP)	O	$233,836		$227,918		$226,351		$222,747		$218,310		$5,918		3	%	$15,526		7	%	$233,836		$218,310		$15,526		7	%
Less: Goodwill (GAAP)		8,220		8,221		8,187		8,187		8,187		(1)		—		33		—		8,220		8,187		33		—
Less: Other intangible assets (GAAP)		105		112		115		123		128		(7)		(6)		(23)		(18)		105		128		(23)		(18)
Add: Deferred tax liabilities related to goodwill and other intangible assets (GAAP)		438		437		437		440		440		1		—		(2)		—		438		440		(2)		—
Tangible assets (non-GAAP)	P	$225,949		$220,022		$218,486		$214,877		$210,435		$5,927		3	%	$15,514		7	%	$225,949		$210,435		$15,514		7	%
Common equity ratio (GAAP)	D/O	10.3	%	10.6	%	10.7	%	10.6	%	10.6	%	(27) bps				(30) bps				10.3	%	10.6	%	(30) bps
Tangible common equity ratio (non-GAAP)	E/P	7.2		7.3		7.5		7.4		7.2		(10) bps				(4) bps				7.2		7.2		(4) bps