v3.25.2
LHI and ACL - Schedule of Credit Quality Indicators (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Dec. 31, 2024
Total consumer loans held for investment          
Year one $ 454,564   $ 454,564   $ 1,170,570
Year two 890,271   890,271   624,602
Year three 584,411   584,411   2,262,534
Year four 2,188,019   2,188,019   1,521,490
Year five 1,309,787   1,309,787   553,442
Prior 1,332,391   1,332,391   1,000,397
Revolving Loans Amortized Cost Basis 2,698,797   2,698,797   2,350,792
Revolving Loans Converted to Term 3,498   3,498   29,699
Total 9,461,738   9,461,738   9,513,526
Total gross charge-offs          
Year one     0   420
Year two     0   217
Year three     743   8,764
Year four     1,000   2,285
Year five     0   1,323
Prior     4,318   12,682
Revolving Loans Amortized Cost Basis     0   0
Revolving Loans Converted to Term     0   0
Total 1,841 $ 7,829 6,061 $ 13,259 25,691
Deferred loan fees, net (8,698)   (8,698)   (8,982)
Pass          
Total consumer loans held for investment          
Year one 448,926   448,926   1,161,589
Year two 879,034   879,034   574,005
Year three 538,946   538,946   2,137,011
Year four 2,046,974   2,046,974   1,483,475
Year five 1,272,414   1,272,414   535,341
Prior 1,247,973   1,247,973   909,912
Revolving Loans Amortized Cost Basis 2,622,543   2,622,543   2,304,446
Revolving Loans Converted to Term 3,498   3,498   29,523
Total 9,060,308   9,060,308   9,135,302
Special mention          
Total consumer loans held for investment          
Year one 5,638   5,638   7,894
Year two 10,081   10,081   15,676
Year three 10,246   10,246   37,751
Year four 99,571   99,571   25,806
Year five 24,993   24,993   12,406
Prior 19,767   19,767   27,078
Revolving Loans Amortized Cost Basis 21,372   21,372   26,586
Revolving Loans Converted to Term 0   0   176
Total 191,668   191,668   153,373
Substandard          
Total consumer loans held for investment          
Year one 0   0   1,087
Year two 1,156   1,156   34,921
Year three 35,219   35,219   87,772
Year four 41,474   41,474   12,209
Year five 12,380   12,380   5,695
Prior 54,242   54,242   52,334
Revolving Loans Amortized Cost Basis 54,882   54,882   19,760
Revolving Loans Converted to Term 0   0   0
Total 199,353   199,353   213,778
PCD          
Total consumer loans held for investment          
Year one 0   0   0
Year two 0   0   0
Year three 0   0   0
Year four 0   0   0
Year five 0   0   0
Prior 10,409   10,409   11,073
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term 0   0   0
Total 10,409   10,409   11,073
Commercial          
Total consumer loans held for investment          
Year one 78,002   78,002   542,287
Year two 165,903   165,903   264,442
Year three 257,741   257,741   307,596
Year four 337,617   337,617   56,747
Year five 57,235   57,235   11,649
Prior 84,668   84,668   72,399
Revolving Loans Amortized Cost Basis 1,708,496   1,708,496   1,435,087
Revolving Loans Converted to Term 2,547   2,547   3,331
Total 2,692,209   2,692,209   2,693,538
Total gross charge-offs          
Year one     0   0
Year two     0   217
Year three     737   4,943
Year four     0   2,285
Year five     0   0
Prior     1,752   5,947
Revolving Loans Amortized Cost Basis     0   0
Revolving Loans Converted to Term     0   0
Total 1,571 5,601 2,489 6,547 13,392
Commercial | Pass          
Total consumer loans held for investment          
Year one 72,364   72,364   533,306
Year two 154,666   154,666   259,973
Year three 246,198   246,198   282,571
Year four 277,267   277,267   56,431
Year five 57,002   57,002   11,124
Prior 77,046   77,046   58,869
Revolving Loans Amortized Cost Basis 1,632,734   1,632,734   1,389,257
Revolving Loans Converted to Term 2,547   2,547   3,155
Total 2,519,824   2,519,824   2,594,686
Commercial | Special mention          
Total consumer loans held for investment          
Year one 5,638   5,638   7,894
Year two 10,081   10,081   184
Year three 8,626   8,626   0
Year four 32,611   32,611   316
Year five 0   0   56
Prior 192   192   159
Revolving Loans Amortized Cost Basis 21,372   21,372   26,586
Revolving Loans Converted to Term 0   0   176
Total 78,520   78,520   35,371
Commercial | Substandard          
Total consumer loans held for investment          
Year one 0   0   1,087
Year two 1,156   1,156   4,285
Year three 2,917   2,917   25,025
Year four 27,739   27,739   0
Year five 233   233   469
Prior 7,181   7,181   13,068
Revolving Loans Amortized Cost Basis 54,390   54,390   19,244
Revolving Loans Converted to Term 0   0   0
Total 93,616   93,616   63,178
Commercial | PCD          
Total consumer loans held for investment          
Year one 0   0   0
Year two 0   0   0
Year three 0   0   0
Year four 0   0   0
Year five 0   0   0
Prior 249   249   303
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term 0   0   0
Total 249   249   303
MW          
Total consumer loans held for investment          
Year one 0   0   0
Year two 0   0   0
Year three 0   0   0
Year four 0   0   0
Year five 0   0   0
Prior 0   0   0
Revolving Loans Amortized Cost Basis 669,052   669,052   605,411
Revolving Loans Converted to Term 0   0   0
Total 669,052   669,052   605,411
Total gross charge-offs          
Year one     0   0
Year two     0   0
Year three     0   0
Year four     0   0
Year five     0   0
Prior     0   0
Revolving Loans Amortized Cost Basis     0   0
Revolving Loans Converted to Term     0   0
Total     0   0
MW | Pass          
Total consumer loans held for investment          
Year one 0   0   0
Year two 0   0   0
Year three 0   0   0
Year four 0   0   0
Year five 0   0   0
Prior 0   0   0
Revolving Loans Amortized Cost Basis 669,052   669,052   605,411
Revolving Loans Converted to Term 0   0   0
Total 669,052   669,052   605,411
Consumer          
Total consumer loans held for investment          
Year one 1,279   1,279   2,365
Year two 1,190   1,190   2,058
Year three 1,601   1,601   613
Year four 422   422   202
Year five 174   174   371
Prior 1,525   1,525   1,437
Revolving Loans Amortized Cost Basis 2,605   2,605   2,069
Revolving Loans Converted to Term 0   0   0
Total 8,796   8,796   9,115
Total gross charge-offs          
Year one     0   420
Year two     0   0
Year three     6   0
Year four     0   0
Year five     0   0
Prior     261   155
Revolving Loans Amortized Cost Basis     0   0
Revolving Loans Converted to Term     0   0
Total 55 30 267 101 575
Consumer | Pass          
Total consumer loans held for investment          
Year one 1,279   1,279   2,365
Year two 1,190   1,190   2,058
Year three 1,601   1,601   613
Year four 422   422   202
Year five 174   174   368
Prior 1,407   1,407   1,300
Revolving Loans Amortized Cost Basis 2,605   2,605   2,069
Revolving Loans Converted to Term 0   0   0
Total 8,678   8,678   8,975
Consumer | Special mention          
Total consumer loans held for investment          
Year one 0   0   0
Year two 0   0   0
Year three 0   0   0
Year four 0   0   0
Year five 0   0   0
Prior 66   66   74
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term 0   0   0
Total 66   66   74
Consumer | Substandard          
Total consumer loans held for investment          
Year one 0   0   0
Year two 0   0   0
Year three 0   0   0
Year four 0   0   0
Year five 0   0   3
Prior 48   48   55
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term 0   0   0
Total 48   48   58
Consumer | PCD          
Total consumer loans held for investment          
Year one 0   0   0
Year two 0   0   0
Year three 0   0   0
Year four 0   0   0
Year five 0   0   0
Prior 4   4   8
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term 0   0   0
Total 4   4   8
Construction and land | Real estate:          
Total consumer loans held for investment          
Year one 50,675   50,675   144,236
Year two 246,407   246,407   73,436
Year three 70,808   70,808   764,144
Year four 520,896   520,896   104,388
Year five 17,120   17,120   787
Prior 3,942   3,942   4,709
Revolving Loans Amortized Cost Basis 232,609   232,609   211,546
Revolving Loans Converted to Term 0   0   465
Total 1,142,457   1,142,457   1,303,711
Total gross charge-offs          
Year one     0   0
Year two     0   0
Year three     0   0
Year four     0   0
Year five     0   0
Prior     0   0
Revolving Loans Amortized Cost Basis     0   0
Revolving Loans Converted to Term     0   0
Total 0 0 0 0 0
Construction and land | Real estate: | Pass          
Total consumer loans held for investment          
Year one 50,675   50,675   144,236
Year two 246,407   246,407   48,138
Year three 43,768   43,768   732,933
Year four 488,213   488,213   103,292
Year five 16,046   16,046   756
Prior 3,911   3,911   4,709
Revolving Loans Amortized Cost Basis 232,609   232,609   211,546
Revolving Loans Converted to Term 0   0   465
Total 1,081,629   1,081,629   1,246,075
Construction and land | Real estate: | Special mention          
Total consumer loans held for investment          
Year one 0   0   0
Year two 0   0   0
Year three 0   0   24,869
Year four 25,640   25,640   0
Year five 0   0   0
Prior 0   0   0
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term 0   0   0
Total 25,640   25,640   24,869
Construction and land | Real estate: | Substandard          
Total consumer loans held for investment          
Year one 0   0   0
Year two 0   0   25,298
Year three 27,040   27,040   6,342
Year four 7,043   7,043   1,096
Year five 1,074   1,074   31
Prior 31   31   0
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term 0   0   0
Total 35,188   35,188   32,767
Farmland | Real estate:          
Total consumer loans held for investment          
Year one 993   993   2,447
Year two 2,413   2,413   2,479
Year three 2,450   2,450   2,317
Year four 2,157   2,157   0
Year five 0   0   17,452
Prior 21,536   21,536   4,441
Revolving Loans Amortized Cost Basis 2,040   2,040   2,554
Revolving Loans Converted to Term 0   0   0
Total 31,589   31,589   31,690
Total gross charge-offs          
Year one     0   0
Year two     0   0
Year three     0   0
Year four     0   0
Year five     0   0
Prior     0   0
Revolving Loans Amortized Cost Basis     0   0
Revolving Loans Converted to Term     0   0
Total 0 0 0 0 0
Farmland | Real estate: | Pass          
Total consumer loans held for investment          
Year one 993   993   2,447
Year two 2,413   2,413   2,479
Year three 2,450   2,450   2,317
Year four 2,157   2,157   0
Year five 0   0   17,452
Prior 21,536   21,536   4,441
Revolving Loans Amortized Cost Basis 2,040   2,040   2,554
Revolving Loans Converted to Term 0   0   0
Total 31,589   31,589   31,690
Residential Real Estate | 1 - 4 family residential | Real estate:          
Total consumer loans held for investment          
Year one 135,746   135,746   91,388
Year two 100,457   100,457   86,306
Year three 90,503   90,503   199,093
Year four 232,673   232,673   344,054
Year five 287,896   287,896   81,536
Prior 186,992   186,992   116,127
Revolving Loans Amortized Cost Basis 51,527   51,527   34,248
Revolving Loans Converted to Term 548   548   4,589
Total 1,086,342   1,086,342   957,341
Total gross charge-offs          
Year one     0   0
Year two     0   0
Year three     0   31
Year four     0   0
Year five     0   0
Prior     0   0
Revolving Loans Amortized Cost Basis     0   0
Revolving Loans Converted to Term     0   0
Total 0 31 0 31 31
Residential Real Estate | 1 - 4 family residential | Real estate: | Pass          
Total consumer loans held for investment          
Year one 135,746   135,746   91,388
Year two 100,457   100,457   83,605
Year three 90,503   90,503   198,960
Year four 232,496   232,496   343,223
Year five 287,085   287,085   81,486
Prior 184,524   184,524   114,086
Revolving Loans Amortized Cost Basis 51,035   51,035   33,732
Revolving Loans Converted to Term 548   548   4,589
Total 1,082,394   1,082,394   951,069
Residential Real Estate | 1 - 4 family residential | Real estate: | Special mention          
Total consumer loans held for investment          
Year one 0   0   0
Year two 0   0   2,701
Year three 0   0   0
Year four 177   177   0
Year five 0   0   0
Prior 68   68   65
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term 0   0   0
Total 245   245   2,766
Residential Real Estate | 1 - 4 family residential | Real estate: | Substandard          
Total consumer loans held for investment          
Year one 0   0   0
Year two 0   0   0
Year three 0   0   133
Year four 0   0   831
Year five 811   811   50
Prior 1,387   1,387   932
Revolving Loans Amortized Cost Basis 492   492   516
Revolving Loans Converted to Term 0   0   0
Total 2,690   2,690   2,462
Residential Real Estate | 1 - 4 family residential | Real estate: | PCD          
Total consumer loans held for investment          
Year one 0   0   0
Year two 0   0   0
Year three 0   0   0
Year four 0   0   0
Year five 0   0   0
Prior 1,013   1,013   1,044
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term 0   0   0
Total 1,013   1,013   1,044
Residential Real Estate | Multi-family residential | Real estate:          
Total consumer loans held for investment          
Year one 12,093   12,093   48,713
Year two 51,041   51,041   11,645
Year three 4,206   4,206   136,572
Year four 267,438   267,438   366,468
Year five 288,969   288,969   169,627
Prior 95,199   95,199   17,180
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term 0   0   13
Total 718,946   718,946   750,218
Total gross charge-offs          
Year one     0   0
Year two     0   0
Year three     0   0
Year four     0   0
Year five     0   0
Prior     0   198
Revolving Loans Amortized Cost Basis     0   0
Revolving Loans Converted to Term     0   0
Total 0 198 0 198 198
Residential Real Estate | Multi-family residential | Real estate: | Pass          
Total consumer loans held for investment          
Year one 12,093   12,093   48,713
Year two 51,041   51,041   11,645
Year three 4,206   4,206   136,014
Year four 245,125   245,125   366,468
Year five 288,969   288,969   169,627
Prior 95,199   95,199   17,180
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term 0   0   13
Total 696,633   696,633   749,660
Residential Real Estate | Multi-family residential | Real estate: | Special mention          
Total consumer loans held for investment          
Year one 0   0    
Year two 0   0    
Year three 0   0    
Year four 21,764   21,764    
Year five 0   0    
Prior 0   0    
Revolving Loans Amortized Cost Basis 0   0    
Revolving Loans Converted to Term 0   0    
Total 21,764   21,764    
Residential Real Estate | Multi-family residential | Real estate: | Substandard          
Total consumer loans held for investment          
Year one 0   0   0
Year two 0   0   0
Year three 0   0   558
Year four 549   549   0
Year five 0   0   0
Prior 0   0   0
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term 0   0   0
Total 549   549   558
Commercial Real Estate | OOCRE | Real estate:          
Total consumer loans held for investment          
Year one 69,995   69,995   100,969
Year two 100,397   100,397   112,360
Year three 106,625   106,625   172,374
Year four 163,915   163,915   103,961
Year five 97,097   97,097   79,294
Prior 259,247   259,247   193,810
Revolving Loans Amortized Cost Basis 3,605   3,605   5,554
Revolving Loans Converted to Term 0   0   11,681
Total 800,881   800,881   780,003
Total gross charge-offs          
Year one     0   0
Year two     0   0
Year three     0   0
Year four     0   0
Year five     0   0
Prior     0   120
Revolving Loans Amortized Cost Basis     0   0
Revolving Loans Converted to Term     0   0
Total 0 0 0 120 120
Commercial Real Estate | OOCRE | Real estate: | Pass          
Total consumer loans held for investment          
Year one 69,995   69,995   100,969
Year two 100,397   100,397   106,561
Year three 99,743   99,743   168,061
Year four 160,984   160,984   96,427
Year five 87,568   87,568   73,502
Prior 236,011   236,011   173,131
Revolving Loans Amortized Cost Basis 3,605   3,605   5,554
Revolving Loans Converted to Term 0   0   11,681
Total 758,303   758,303   735,886
Commercial Real Estate | OOCRE | Real estate: | Special mention          
Total consumer loans held for investment          
Year one 0   0   0
Year two 0   0   461
Year three 1,620   1,620   4,313
Year four 2,874   2,874   967
Year five 945   945   953
Prior 3,680   3,680   6,173
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term 0   0   0
Total 9,119   9,119   12,867
Commercial Real Estate | OOCRE | Real estate: | Substandard          
Total consumer loans held for investment          
Year one 0   0   0
Year two 0   0   5,338
Year three 5,262   5,262   0
Year four 57   57   6,567
Year five 8,584   8,584   4,839
Prior 10,757   10,757   5,140
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term 0   0   0
Total 24,660   24,660   21,884
Commercial Real Estate | OOCRE | Real estate: | PCD          
Total consumer loans held for investment          
Year one 0   0   0
Year two 0   0   0
Year three 0   0   0
Year four 0   0   0
Year five 0   0   0
Prior 8,799   8,799   9,366
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term 0   0   0
Total 8,799   8,799   9,366
Commercial Real Estate | NOOCRE | Real estate:          
Total consumer loans held for investment          
Year one 105,781   105,781   238,165
Year two 222,463   222,463   71,876
Year three 50,477   50,477   679,825
Year four 662,901   662,901   545,670
Year five 561,296   561,296   192,726
Prior 679,282   679,282   590,294
Revolving Loans Amortized Cost Basis 28,863   28,863   54,323
Revolving Loans Converted to Term 403   403   9,620
Total 2,311,466   2,311,466   2,382,499
Total gross charge-offs          
Year one     0   0
Year two     0   0
Year three     0   3,790
Year four     1,000   0
Year five     0   1,323
Prior     2,305   6,262
Revolving Loans Amortized Cost Basis     0   0
Revolving Loans Converted to Term     0   0
Total 215 $ 1,969 3,305 $ 6,262 11,375
Commercial Real Estate | NOOCRE | Real estate: | Pass          
Total consumer loans held for investment          
Year one 105,781   105,781   238,165
Year two 222,463   222,463   59,546
Year three 50,477   50,477   615,542
Year four 640,310   640,310   517,432
Year five 535,570   535,570   181,026
Prior 628,339   628,339   536,196
Revolving Loans Amortized Cost Basis 28,863   28,863   54,323
Revolving Loans Converted to Term 403   403   9,620
Total 2,212,206   2,212,206   2,211,850
Commercial Real Estate | NOOCRE | Real estate: | Special mention          
Total consumer loans held for investment          
Year one 0   0   0
Year two 0   0   12,330
Year three 0   0   8,569
Year four 16,505   16,505   24,523
Year five 24,048   24,048   11,397
Prior 15,761   15,761   20,607
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term 0   0   0
Total 56,314   56,314   77,426
Commercial Real Estate | NOOCRE | Real estate: | Substandard          
Total consumer loans held for investment          
Year one 0   0   0
Year two 0   0   0
Year three 0   0   55,714
Year four 6,086   6,086   3,715
Year five 1,678   1,678   303
Prior 34,838   34,838   33,139
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term 0   0   0
Total 42,602   42,602   92,871
Commercial Real Estate | NOOCRE | Real estate: | PCD          
Total consumer loans held for investment          
Year one 0   0   0
Year two 0   0   0
Year three 0   0   0
Year four 0   0   0
Year five 0   0   0
Prior 344   344   352
Revolving Loans Amortized Cost Basis 0   0   0
Revolving Loans Converted to Term 0   0   0
Total $ 344   $ 344   $ 352