v3.25.2
Allowance for Credit Losses (ACL) - Disaggregated analysis of the changes in allowance for credit losses (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended 12 Months Ended
Jan. 01, 2025
Jun. 30, 2025
Mar. 31, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Dec. 31, 2024
Allowance for credit losses              
Balance at beginning of period $ 465,280 $ 623,690 $ 465,280 $ 469,654 $ 465,280 $ 456,573 $ 456,573
Allowance Adjustment - FMV for Independent merger   16,798     135,441    
Independent Day 1 Loan Charge-offs PCD   (17,259)     (56,688)    
Charge-offs   (11,965)     (19,387)    
Charge-offs       (8,590) (76,075) (16,530) (35,070)
Recoveries   4,718   4,365 7,700 9,626  
Net (charge-offs) recoveries   (24,506)   (4,225) (68,375) (6,904)  
Provision (recovery)   5,064   6,869 8,729 22,629  
Balance at end of period   621,046 623,690 472,298 621,046 472,298 465,280
Independent              
Allowance for credit losses              
Allowance Adjustment - FMV for Independent merger 135,441            
Initial Allowance for Non PCD loans acquired during period              
Allowance for credit losses              
Balance at end of period   79,971     79,971    
Consumer loans              
Allowance for credit losses              
Charge-offs         (7,508)   (10,298)
Unfunded Commitment              
Allowance for credit losses              
Provision (recovery) of credit losses   2,400   (3,000) 19,400 (6,100)  
Unfunded Commitment | Independent              
Allowance for credit losses              
Provision (recovery) of credit losses     12,100        
Residential Mortgage Sr.              
Allowance for credit losses              
Balance at beginning of period 42,687 54,326 42,687 87,484 42,687 78,052 78,052
Allowance Adjustment - FMV for Independent merger         1,852    
Independent Day 1 Loan Charge-offs PCD         (61)    
Charge-offs   (385)     (892)    
Charge-offs       (36)   (379)  
Recoveries   194   92 394 215  
Net (charge-offs) recoveries   (191)   56 (559) (164)  
Provision (recovery)   69   (27,988) 1,314 (18,336)  
Balance at end of period   54,204 54,326 59,552 54,204 59,552 42,687
Residential Mortgage Sr. | Initial Allowance for Non PCD loans acquired during period              
Allowance for credit losses              
Balance at end of period   8,910     8,910    
Residential Mortgage Jr.              
Allowance for credit losses              
Balance at beginning of period 432 793 432 1,230 432 745 745
Charge-offs   (1)     (14)    
Recoveries   65   50 89 89  
Net (charge-offs) recoveries   64   50 75 89  
Provision (recovery)   11   (852) 276 (406)  
Balance at end of period   868 793 428 868 428 432
Residential Mortgage Jr. | Initial Allowance for Non PCD loans acquired during period              
Allowance for credit losses              
Balance at end of period   85     85    
HELOC              
Allowance for credit losses              
Balance at beginning of period 14,845 14,868 14,845 11,724 14,845 10,942 10,942
Charge-offs         (229)    
Charge-offs           (110)  
Recoveries   125   277 505 569  
Net (charge-offs) recoveries   125   277 276 459  
Provision (recovery)   (1,109)   6,928 (1,328) 7,528  
Balance at end of period   13,884 14,868 18,929 13,884 18,929 14,845
HELOC | Initial Allowance for Non PCD loans acquired during period              
Allowance for credit losses              
Balance at end of period   91     91    
Residential Construction              
Allowance for credit losses              
Balance at beginning of period 9,298 12,555 9,298 4,552 9,298 5,024 5,024
Charge-offs           (304)  
Recoveries       15   22  
Net (charge-offs) recoveries       15   (282)  
Provision (recovery)   (5,405)   5,458 (6,848) 5,283  
Balance at end of period   7,150 12,555 10,025 7,150 10,025 9,298
Residential Construction | Initial Allowance for Non PCD loans acquired during period              
Allowance for credit losses              
Balance at end of period   4,700     4,700    
Commercial Construction and Development              
Allowance for credit losses              
Balance at beginning of period 65,553 78,541 65,553 60,860 65,553 65,772 65,772
Allowance Adjustment - FMV for Independent merger         6,448    
Charge-offs   (16)     (16)    
Charge-offs       (687)   (2,162)  
Recoveries   315   144 413 1,151  
Net (charge-offs) recoveries   299   (543) 397 (1,011)  
Provision (recovery)   (2,543)   16,902 (7,852) 12,458  
Balance at end of period   76,297 78,541 77,219 76,297 77,219 65,553
Commercial Construction and Development | Initial Allowance for Non PCD loans acquired during period              
Allowance for credit losses              
Balance at end of period   11,751     11,751    
Consumer              
Allowance for credit losses              
Balance at beginning of period 17,484 16,304 17,484 23,353 17,484 23,331 23,331
Allowance Adjustment - FMV for Independent merger         114    
Independent Day 1 Loan Charge-offs PCD         (2,323)    
Charge-offs   (2,184)     (3,989)    
Charge-offs       (2,198)   (4,695)  
Recoveries   529   825 1,359 1,950  
Net (charge-offs) recoveries   (1,655)   (1,373) (4,953) (2,745)  
Provision (recovery)   4,036   (9,752) 5,786 (8,358)  
Balance at end of period   18,685 16,304 12,228 18,685 12,228 17,484
Consumer | Initial Allowance for Non PCD loans acquired during period              
Allowance for credit losses              
Balance at end of period   254     254    
Multifamily              
Allowance for credit losses              
Balance at beginning of period 22,279 33,960 22,279 17,012 22,279 13,766 13,766
Allowance Adjustment - FMV for Independent merger   16,798     20,359    
Independent Day 1 Loan Charge-offs PCD   (18,065)     (18,065)    
Recoveries       41   66  
Net (charge-offs) recoveries   (18,065)   41 (18,065) 66  
Provision (recovery)   18,395   2,708 22,710 5,929  
Balance at end of period   51,088 33,960 19,761 51,088 19,761 22,279
Multifamily | Initial Allowance for Non PCD loans acquired during period              
Allowance for credit losses              
Balance at end of period   3,805     3,805    
Municipal              
Allowance for credit losses              
Balance at beginning of period 1,197 1,107 1,197 876 1,197 900 900
Provision (recovery)   1,172   903 (865) 879  
Balance at end of period   2,279 1,107 1,779 2,279 1,779 1,197
Municipal | Initial Allowance for Non PCD loans acquired during period              
Allowance for credit losses              
Balance at end of period   1,947     1,947    
CRE Owner Occupied              
Allowance for credit losses              
Balance at beginning of period 78,753 101,656 78,753 72,597 78,753 71,580 71,580
Allowance Adjustment - FMV for Independent merger         8,075    
Independent Day 1 Loan Charge-offs PCD   286     (1,016)    
Charge-offs   (772)     (976)    
Charge-offs       (393)   (393)  
Recoveries   67   408 117 511  
Net (charge-offs) recoveries   (419)   15 (1,875) 118  
Provision (recovery)   (13,014)   18,811 84 19,725  
Balance at end of period   88,223 101,656 91,423 88,223 91,423 78,753
CRE Owner Occupied | Initial Allowance for Non PCD loans acquired during period              
Allowance for credit losses              
Balance at end of period   3,186     3,186    
Non Owner Occupied CRE              
Allowance for credit losses              
Balance at beginning of period 111,538 172,334 111,538 134,698 111,538 137,055 137,055
Allowance Adjustment - FMV for Independent merger         93,820    
Independent Day 1 Loan Charge-offs PCD   520     (13,036)    
Charge-offs       (176)   (247)  
Recoveries   247   89 343 99  
Net (charge-offs) recoveries   767   (87) (12,693) (148)  
Provision (recovery)   (7,908)   (35,596) (59,029) (37,892)  
Balance at end of period   165,193 172,334 99,015 165,193 99,015 111,538
Non Owner Occupied CRE | Initial Allowance for Non PCD loans acquired during period              
Allowance for credit losses              
Balance at end of period   31,557     31,557    
C & I              
Allowance for credit losses              
Balance at beginning of period $ 101,214 137,246 101,214 55,268 101,214 49,406 49,406
Allowance Adjustment - FMV for Independent merger         4,773    
Independent Day 1 Loan Charge-offs PCD         (22,187)    
Charge-offs   (8,607)     (13,271)    
Charge-offs       (5,100)   (8,240)  
Recoveries   3,176   2,424 4,480 4,954  
Net (charge-offs) recoveries   (5,431)   (2,676) (30,978) (3,286)  
Provision (recovery)   11,360   29,347 54,481 35,819  
Balance at end of period   143,175 $ 137,246 $ 81,939 143,175 $ 81,939 $ 101,214
C & I | Initial Allowance for Non PCD loans acquired during period              
Allowance for credit losses              
Balance at end of period   $ 13,685     $ 13,685