v3.25.4
Leases, Premises and Equipment (Tables)
 12 Months Ended
Dec. 31, 2025
Leases [Abstract]  
Schedule of Components of Lease Income The following table presents our interest income on lease financing:
Year Ended December 31,
202520242023
Interest income on lease financing
$93 $136 $119 
Schedule of Components of Net Investment in Direct Financing Leases
The components of our gross investment in direct financing leases are shown below:

December 31,
20252024
Lease payments receivable
$1,534 $2,039 
Unguaranteed residual assets (1)
266 285 
Gross investment in direct financing leases
$1,800 $2,324 
(1)The amount of residual value insurance in place at December 31, 2025 and December 31, 2024 was insignificant.
Schedule of Components of Net Investment in Direct Financing Leases
The following table presents the remaining maturity analysis of the undiscounted lease receivables, as well as the reconciliation to the total amount of receivables recognized in the Consolidated Statements of Condition:

December 31, 2025
2026$445 
2027441 
2028279 
2029220 
2030145 
Thereafter270 
Gross investment in direct financing leases$1,800 
Plus: deferred origination costs27 
Less: unearned income(129)
Less: purchase accounting adjustment(28)
Less: other
(10)
Total lease finance receivables, net$1,660 
Schedule of Lease Cost Information Operating lease costs are recorded in Occupancy and Equipment on the Consolidated Statements of (Loss) Income and costs were as follows:
Year Ended December 31,
202520242023
Operating lease cost
$77 $75 $86 
The table below presents the supplemental cash flow information related to the leases:

Year Ended December 31,
202520242023
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases$76 $71 $64 
Schedule of Supplemental Balance Sheet Information
Supplemental balance sheet information related to our operating lease arrangements is presented below:

December 31,
20252024
Operating Leases:
Operating lease right-of-use assets
$380 $416 
Operating lease liabilities
$427 $463 
Weighted average remaining lease term10.1 years10.7 years
Weighted average discount rate %4.79 %4.77 %
Schedule of Supplemental Balance Sheet Information
The following table presents the remaining maturity analysis of our lease liabilities, as well as the reconciliation to the total present value of the lease liability recorded in Other liabilities on the Consolidated Statements of Condition:
December 31, 2025
Maturities of lease liabilities:
2026$70 
202764 
202857 
202951 
203044 
Thereafter261 
Total lease payments$547 
Less: imputed interest(120)
Total present value of lease liabilities$427 
Schedule of Premises and Equipment and Estimated Useful Lives The estimated useful lives for premises and equipment assets are as follows:
Premises and Equipment
Years
Buildings
20 - 50
Furniture, fixtures and equipment
3 - 10
Leasehold improvements
Up to 20
ATMs3
The table below presents our Premises and equipment:
December 31,
20252024
Premises and equipment
$1,009 $1,131 
Less: Accumulated depreciation
(532)(569)
Premises and equipment, net
$477 $562 

The table below presents our Depreciation expense:
Year Ended December 31,
202520242023
Depreciation expense(1)
$41 $48 $39 
(1)Included in Occupancy and equipment expense in the Consolidated Statements of (Loss) Income.