v3.25.2
Allowance for Credit Losses - Schedule of Loan Portfolio by Credit Quality Indicator (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Dec. 31, 2024
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 $ 10,709,499   $ 10,709,499    
2024 7,789,439   7,789,439    
2023 5,042,518   5,042,518    
2022 5,727,181   5,727,181    
2021 4,400,928   4,400,928    
Prior 10,852,631   10,852,631    
Revolving 6,485,301   6,485,301    
Revolving to Term 34,182   34,182    
Total Loans 51,041,679 $ 44,675,531 51,041,679 $ 44,675,531 $ 48,055,037
Gross write offs          
2025 1,281   1,404    
2024 7,117   14,803    
2023 1,979   3,789    
2022 1,291   3,381    
2021 318   2,147    
Prior 6,509   10,420    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 18,495 34,756 35,944 58,597  
Commercial          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 1,865,121   1,865,121    
2024 3,042,396   3,042,396    
2023 1,972,666   1,972,666    
2022 1,493,694   1,493,694    
2021 1,060,869   1,060,869    
Prior 1,236,264   1,236,264    
Revolving 5,688,842   5,688,842    
Revolving to Term 27,579   27,579    
Total Loans 16,387,431   16,387,431    
Construction and development          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 97,381   97,381    
2024 594,804   594,804    
2023 649,395   649,395    
2022 873,865   873,865    
2021 110,628   110,628    
Prior 172,004   172,004    
Revolving 31,040   31,040    
Revolving to Term 0   0    
Total Loans 2,529,117   2,529,117    
Non-construction          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 918,977   918,977    
2024 1,345,777   1,345,777    
2023 1,439,321   1,439,321    
2022 1,854,144   1,854,144    
2021 1,433,154   1,433,154    
Prior 3,515,097   3,515,097    
Revolving 254,927   254,927    
Revolving to Term 1,496   1,496    
Total Loans 10,762,893   10,762,893    
Home equity          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 4   4    
2024 961   961    
2023 114   114    
2022 711   711    
2021 537   537    
Prior 20,112   20,112    
Revolving 439,269   439,269    
Revolving to Term 5,107   5,107    
Total Loans 466,815 356,313 466,815 356,313 445,028
Gross write offs          
Total Loans 111 0 111 74  
Residential real estate          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 543,277   543,277    
2024 822,770   822,770    
2023 471,601   471,601    
2022 801,642   801,642    
2021 750,477   750,477    
Prior 559,015   559,015    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 3,948,782 3,067,335 3,948,782 3,067,335 3,612,765
Gross write offs          
Total Loans 0 23 0 61  
Premium finance receivables - property and casualty          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 7,002,982   7,002,982    
2024 1,308,770   1,308,770    
2023 7,226   7,226    
2022 2,111   2,111    
2021 2,087   2,087    
Prior 0   0    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 8,323,176   8,323,176    
Premium finance receivables - life          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 278,040   278,040    
2024 670,927   670,927    
2023 500,062   500,062    
2022 700,495   700,495    
2021 1,042,504   1,042,504    
Prior 5,314,932   5,314,932    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 8,506,960   8,506,960    
Consumer and other          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 3,717   3,717    
2024 3,034   3,034    
2023 2,133   2,133    
2022 519   519    
2021 672   672    
Prior 35,207   35,207    
Revolving 71,223   71,223    
Revolving to Term 0   0    
Total Loans 116,505 87,356 116,505 87,356 $ 99,562
Gross write offs          
Total Loans 179 $ 137 326 $ 244  
Pass          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 10,615,865   10,615,865    
2024 7,658,280   7,658,280    
2023 4,864,465   4,864,465    
2022 5,265,854   5,265,854    
2021 4,187,561   4,187,561    
Prior 10,535,122   10,535,122    
Revolving 6,243,378   6,243,378    
Revolving to Term 29,343   29,343    
Total Loans 49,399,868   49,399,868    
Pass | Commercial          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 1,861,744   1,861,744    
2024 2,991,867   2,991,867    
2023 1,892,313   1,892,313    
2022 1,365,222   1,365,222    
2021 976,723   976,723    
Prior 1,209,968   1,209,968    
Revolving 5,460,274   5,460,274    
Revolving to Term 22,740   22,740    
Total Loans 15,780,851   15,780,851    
Pass | Construction and development          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 97,381   97,381    
2024 594,804   594,804    
2023 618,976   618,976    
2022 656,080   656,080    
2021 92,674   92,674    
Prior 138,854   138,854    
Revolving 27,249   27,249    
Revolving to Term 0   0    
Total Loans 2,226,018   2,226,018    
Pass | Non-construction          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 917,625   917,625    
2024 1,325,021   1,325,021    
2023 1,393,425   1,393,425    
2022 1,761,340   1,761,340    
2021 1,338,836   1,338,836    
Prior 3,394,943   3,394,943    
Revolving 251,779   251,779    
Revolving to Term 1,496   1,496    
Total Loans 10,384,465   10,384,465    
Pass | Home equity          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 4   4    
2024 240   240    
2023 48   48    
2022 379   379    
2021 306   306    
Prior 13,167   13,167    
Revolving 432,865   432,865    
Revolving to Term 5,107   5,107    
Total Loans 452,116   452,116    
Pass | Residential real estate          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 543,216   543,216    
2024 817,417   817,417    
2023 450,707   450,707    
2022 779,797   779,797    
2021 733,763   733,763    
Prior 428,540   428,540    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 3,753,440   3,753,440    
Pass | Premium finance receivables - property and casualty          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 6,914,153   6,914,153    
2024 1,255,016   1,255,016    
2023 6,805   6,805    
2022 2,107   2,107    
2021 2,083   2,083    
Prior 0   0    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 8,180,164   8,180,164    
Pass | Premium finance receivables - life          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 278,040   278,040    
2024 670,927   670,927    
2023 500,062   500,062    
2022 700,495   700,495    
2021 1,042,504   1,042,504    
Prior 5,314,605   5,314,605    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 8,506,633   8,506,633    
Pass | Consumer and other          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 3,702   3,702    
2024 2,988   2,988    
2023 2,129   2,129    
2022 434   434    
2021 672   672    
Prior 35,045   35,045    
Revolving 71,211   71,211    
Revolving to Term 0   0    
Total Loans 116,181   116,181    
Special mention          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 72,864   72,864    
2024 52,287   52,287    
2023 123,625   123,625    
2022 290,797   290,797    
2021 75,998   75,998    
Prior 75,470   75,470    
Revolving 150,899   150,899    
Revolving to Term 2,333   2,333    
Total Loans 844,273   844,273    
Special mention | Commercial          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 855   855    
2024 31,875   31,875    
2023 46,077   46,077    
2022 46,868   46,868    
2021 19,606   19,606    
Prior 6,020   6,020    
Revolving 143,556   143,556    
Revolving to Term 2,333   2,333    
Total Loans 297,190   297,190    
Special mention | Construction and development          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 0   0    
2024 0   0    
2023 29,418   29,418    
2022 216,463   216,463    
2021 17,954   17,954    
Prior 16,016   16,016    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 279,851   279,851    
Special mention | Non-construction          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 95   95    
2024 851   851    
2023 42,162   42,162    
2022 21,645   21,645    
2021 36,419   36,419    
Prior 41,316   41,316    
Revolving 2,316   2,316    
Revolving to Term 0   0    
Total Loans 144,804   144,804    
Special mention | Home equity          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 0   0    
2024 10   10    
2023 51   51    
2022 217   217    
2021 0   0    
Prior 2,471   2,471    
Revolving 5,021   5,021    
Revolving to Term 0   0    
Total Loans 7,770   7,770    
Special mention | Residential real estate          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 0   0    
2024 426   426    
2023 5,908   5,908    
2022 5,601   5,601    
2021 2,019   2,019    
Prior 9,538   9,538    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 23,492   23,492    
Special mention | Premium finance receivables - property and casualty          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 71,899   71,899    
2024 19,086   19,086    
2023 7   7    
2022 0   0    
2021 0   0    
Prior 0   0    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 90,992   90,992    
Special mention | Premium finance receivables - life          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 0   0    
2024 0   0    
2023 0   0    
2022 0   0    
2021 0   0    
Prior 0   0    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 0   0    
Special mention | Consumer and other          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 15   15    
2024 39   39    
2023 2   2    
2022 3   3    
2021 0   0    
Prior 109   109    
Revolving 6   6    
Revolving to Term 0   0    
Total Loans 174   174    
Substandard accrual          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 13,131   13,131    
2024 47,009   47,009    
2023 31,258   31,258    
2022 133,051   133,051    
2021 100,802   100,802    
Prior 90,974   90,974    
Revolving 71,107   71,107    
Revolving to Term 2,162   2,162    
Total Loans 489,494   489,494    
Substandard accrual | Commercial          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 2,331   2,331    
2024 16,092   16,092    
2023 27,411   27,411    
2022 58,712   58,712    
2021 41,344   41,344    
Prior 15,366   15,366    
Revolving 65,095   65,095    
Revolving to Term 2,162   2,162    
Total Loans 228,513   228,513    
Substandard accrual | Construction and development          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 0   0    
2024 0   0    
2023 750   750    
2022 0   0    
2021 0   0    
Prior 15,507   15,507    
Revolving 3,791   3,791    
Revolving to Term 0   0    
Total Loans 20,048   20,048    
Substandard accrual | Non-construction          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 0   0    
2024 19,905   19,905    
2023 2,371   2,371    
2022 70,854   70,854    
2021 57,748   57,748    
Prior 52,286   52,286    
Revolving 832   832    
Revolving to Term 0   0    
Total Loans 203,996   203,996    
Substandard accrual | Home equity          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 0   0    
2024 0   0    
2023 15   15    
2022 27   27    
2021 29   29    
Prior 3,695   3,695    
Revolving 1,383   1,383    
Revolving to Term 0   0    
Total Loans 5,149   5,149    
Substandard accrual | Residential real estate          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 61   61    
2024 137   137    
2023 710   710    
2022 3,372   3,372    
2021 1,679   1,679    
Prior 3,777   3,777    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 9,736   9,736    
Substandard accrual | Premium finance receivables - property and casualty          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 10,739   10,739    
2024 10,871   10,871    
2023 0   0    
2022 4   4    
2021 2   2    
Prior 0   0    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 21,616   21,616    
Substandard accrual | Premium finance receivables - life          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 0   0    
2024 0   0    
2023 0   0    
2022 0   0    
2021 0   0    
Prior 327   327    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 327   327    
Substandard accrual | Consumer and other          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 0   0    
2024 4   4    
2023 1   1    
2022 82   82    
2021 0   0    
Prior 16   16    
Revolving 6   6    
Revolving to Term 0   0    
Total Loans 109   109    
Substandard nonaccrual/doubtful          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 7,639   7,639    
2024 28,044   28,044    
2023 13,925   13,925    
2022 31,548   31,548    
2021 30,551   30,551    
Prior 42,009   42,009    
Revolving 19,917   19,917    
Revolving to Term 344   344    
Total Loans 173,977   173,977    
Substandard nonaccrual/doubtful | Commercial          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 191   191    
2024 2,562   2,562    
2023 6,865   6,865    
2022 22,892   22,892    
2021 23,196   23,196    
Prior 4,910   4,910    
Revolving 19,917   19,917    
Revolving to Term 344   344    
Total Loans 80,877   80,877    
Substandard nonaccrual/doubtful | Construction and development          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 0   0    
2024 0   0    
2023 251   251    
2022 1,322   1,322    
2021 0   0    
Prior 1,627   1,627    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 3,200   3,200    
Substandard nonaccrual/doubtful | Non-construction          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 1,257   1,257    
2024 0   0    
2023 1,363   1,363    
2022 305   305    
2021 151   151    
Prior 26,552   26,552    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 29,628   29,628    
Substandard nonaccrual/doubtful | Home equity          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 0   0    
2024 711   711    
2023 0   0    
2022 88   88    
2021 202   202    
Prior 779   779    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 1,780   1,780    
Substandard nonaccrual/doubtful | Residential real estate          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 0   0    
2024 971   971    
2023 5,031   5,031    
2022 6,941   6,941    
2021 7,000   7,000    
Prior 8,104   8,104    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 28,047   28,047    
Substandard nonaccrual/doubtful | Premium finance receivables - property and casualty          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 6,191   6,191    
2024 23,797   23,797    
2023 414   414    
2022 0   0    
2021 2   2    
Prior 0   0    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 30,404   30,404    
Substandard nonaccrual/doubtful | Premium finance receivables - life          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 0   0    
2024 0   0    
2023 0   0    
2022 0   0    
2021 0   0    
Prior 0   0    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 0   0    
Substandard nonaccrual/doubtful | Consumer and other          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 0   0    
2024 3   3    
2023 1   1    
2022 0   0    
2021 0   0    
Prior 37   37    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 41   41    
Early buy-out loans guaranteed by U.S. government agencies          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 0   0    
2024 3,819   3,819    
2023 9,245   9,245    
2022 5,931   5,931    
2021 6,016   6,016    
Prior 109,056   109,056    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans 134,067   134,067    
Early buy-out loans guaranteed by U.S. government agencies | Residential real estate          
Financing Receivable, Credit Quality Indicator [Line Items]          
2025 0   0    
2024 3,819   3,819    
2023 9,245   9,245    
2022 5,931   5,931    
2021 6,016   6,016    
Prior 109,056   109,056    
Revolving 0   0    
Revolving to Term 0   0    
Total Loans $ 134,067   $ 134,067