v3.25.2
Loans - Change in the Balances of the ALLL (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
Allowance for loan losses:          
Beginning balance $ 47,238 $ 40,891 $ 44,769 $ 38,774 $ 38,774
Provision for credit losses 13,596 3,920 25,717 6,502  
Losses Charged Off (14,448) (1,505) (24,289) (2,038) (13,270)
Recoveries 131 99 320 167  
Ending balance 46,517 43,405 46,517 43,405 44,769
Accrued interest receivable 26,400   26,400   28,200
Commercial and industrial          
Allowance for loan losses:          
Beginning balance 1,360 1,800 1,265 2,185 2,185
Provision for credit losses 545 (413) 638 (800)  
Losses Charged Off 0 0 0 0  
Recoveries 2 2 4 4  
Ending balance 1,907 1,389 1,907 1,389 1,265
Owner-occupied commercial real estate          
Allowance for loan losses:          
Beginning balance 470 769 528 825 825
Provision for credit losses 2 (208) (56) (264)  
Losses Charged Off 0 0 0 0  
Recoveries 0 0 0 0  
Ending balance 472 561 472 561 528
Investor commercial real estate          
Allowance for loan losses:          
Beginning balance 859 798 1,149 1,311 1,311
Provision for credit losses 750 374 460 (139)  
Losses Charged Off 0 0 0 0  
Recoveries 0 0 0 0  
Ending balance 1,609 1,172 1,609 1,172 1,149
Construction          
Allowance for loan losses:          
Beginning balance 2,167 2,942 1,984 2,167 2,167
Provision for credit losses (396) 198 (213) 973  
Losses Charged Off 0 0 0 0  
Recoveries 0 0 0 0  
Ending balance 1,771 3,140 1,771 3,140 1,984
Single tenant lease financing          
Allowance for loan losses:          
Beginning balance 4,313 8,471 4,782 8,129 8,129
Provision for credit losses 133 (20) (336) 322  
Losses Charged Off 0 (195) 0 (195)  
Recoveries 0 0 0 0  
Ending balance 4,446 8,256 4,446 8,256 4,782
Public finance          
Allowance for loan losses:          
Beginning balance 529 1,336 703 1,372 1,372
Provision for credit losses (7) (594) (181) (630)  
Losses Charged Off 0 0 0 0  
Recoveries 0 0 0 0  
Ending balance 522 742 522 742 703
Healthcare finance          
Allowance for loan losses:          
Beginning balance 1,310 1,917 1,412 1,976 1,976
Provision for credit losses (111) (108) (213) (167)  
Losses Charged Off 0 0 0 0  
Recoveries 0 0 0 0  
Ending balance 1,199 1,809 1,199 1,809 1,412
Small business lending          
Allowance for loan losses:          
Beginning balance 17,555 8,868 16,161 6,532 6,532
Provision for credit losses 7,978 3,633 12,908 6,218  
Losses Charged Off (11,851) (573) (15,520) (862)  
Recoveries 40 65 173 105  
Ending balance 13,722 11,993 13,722 11,993 16,161
Franchise finance          
Allowance for loan losses:          
Beginning balance 11,200 6,166 8,976 6,363 6,363
Provision for credit losses 4,102 402 12,174 205  
Losses Charged Off (2,238) (577) (8,086) (577)  
Recoveries 18 0 18 0  
Ending balance 13,082 5,991 13,082 5,991 8,976
Residential mortgage          
Allowance for loan losses:          
Beginning balance 1,890 1,945 2,136 2,054 2,054
Provision for credit losses 32 167 (209) 126  
Losses Charged Off 0 0 (11) (69)  
Recoveries 1 0 7 1  
Ending balance 1,923 2,112 1,923 2,112 2,136
Home equity          
Allowance for loan losses:          
Beginning balance 96 125 106 171 171
Provision for credit losses (5) (8) (17) (56)  
Losses Charged Off 0 0 0 0  
Recoveries 1 1 3 3  
Ending balance 92 118 92 118 106
Other consumer loans          
Allowance for loan losses:          
Beginning balance 5,489 5,754 5,567 5,689 5,689
Provision for credit losses 573 497 762 714  
Losses Charged Off (359) (160) (672) (335)  
Recoveries 69 31 115 54  
Ending balance $ 5,772 $ 6,122 $ 5,772 $ 6,122 $ 5,567