v3.25.2
Allowance for Credit Losses - Roll Forward Of the Allowance for Loan Losses (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 credit losses:          
Beginning balance $ 203,931 $ 201,052 $ 201,756 $ 198,578 $ 198,578
Charge-offs (12,979) (6,372) (14,108) (7,282) (13,809)
Recoveries 925 891 2,179 1,637  
Net charge-offs (12,054) (5,481) (11,929) (5,645)  
Provision for (recovery of) credit losses on loans 75,400 4,300 77,450 6,938  
Ending balance 290,770 199,871 290,770 199,871 201,756
Individually evaluated 27,935 10,004 27,935 10,004  
Collectively evaluated 262,835 189,867 262,835 189,867  
Loans:          
Individually evaluated 107,318 54,002 107,318 54,002  
Collectively evaluated 18,456,129 12,550,753 18,456,129 12,550,753  
Loans, net of unearned income 18,563,447 12,604,755 18,563,447 12,604,755 12,885,020
Nonaccruing loans with no allowance for credit losses 21,868 27,188 21,868 27,188  
Cumulative Effect, Period Of Adoption, Adjustment          
Allowance for credit losses:          
Beginning balance 23,493   23,493 0 0
Ending balance         23,493
Commercial, financial, agricultural          
Allowance for credit losses:          
Beginning balance 38,441 45,921 38,527 43,980 43,980
Charge-offs (5,823) (186) (5,917) (535) (4,463)
Recoveries 627 525 1,585 871  
Net charge-offs (5,196) 339 (4,332) 336  
Provision for (recovery of) credit losses on loans 19,291 (1,309) 18,341 635  
Ending balance 59,676 44,951 59,676 44,951 38,527
Individually evaluated 9,604 8,514 9,604 8,514  
Collectively evaluated 50,072 36,437 50,072 36,437  
Loans:          
Individually evaluated 20,316 14,211 20,316 14,211  
Collectively evaluated 2,646,607 1,833,551 2,646,607 1,833,551  
Loans, net of unearned income 2,666,923 1,847,762 2,666,923 1,847,762  
Nonaccruing loans with no allowance for credit losses 0 230 0 230  
Commercial, financial, agricultural | Cumulative Effect, Period Of Adoption, Adjustment          
Allowance for credit losses:          
Beginning balance 7,140   7,140 0 0
Ending balance         7,140
Real estate – construction:          
Allowance for credit losses:          
Beginning balance 16,561 17,317 15,126 18,612 18,612
Charge-offs (105) 0 (105) 0  
Recoveries 0 0 0 0  
Net charge-offs (105) 0 (105) 0  
Provision for (recovery of) credit losses on loans 3,331 1,579 4,766 284  
Ending balance 21,784 18,896 21,784 18,896 15,126
Individually evaluated 1,993 0 1,993 0  
Collectively evaluated 19,791 18,896 19,791 18,896  
Loans:          
Individually evaluated 16,045 0 16,045 0  
Collectively evaluated 1,323,922 1,355,425 1,323,922 1,355,425  
Loans, net of unearned income 1,339,967 1,355,425 1,339,967 1,355,425  
Nonaccruing loans with no allowance for credit losses 2,332 0 2,332 0  
Real estate – construction: | Cumulative Effect, Period Of Adoption, Adjustment          
Allowance for credit losses:          
Beginning balance 1,997   1,997 0 0
Ending balance         1,997
Real estate – 1-4 family mortgage:          
Allowance for credit losses:          
Beginning balance 50,711 47,566 47,761 47,283 47,283
Charge-offs (319) (208) (628) (290) (966)
Recoveries 37 25 70 73  
Net charge-offs (282) (183) (558) (217)  
Provision for (recovery of) credit losses on loans 15,010 38 18,236 355  
Ending balance 65,703 47,421 65,703 47,421 47,761
Individually evaluated 0 0 0 0  
Collectively evaluated 65,703 47,421 65,703 47,421  
Loans:          
Individually evaluated 4,776 6,942 4,776 6,942  
Collectively evaluated 4,869,903 3,428,876 4,869,903 3,428,876  
Loans, net of unearned income 4,874,679 3,435,818 4,874,679 3,435,818  
Nonaccruing loans with no allowance for credit losses 4,275 6,318 4,275 6,318  
Real estate – 1-4 family mortgage: | Cumulative Effect, Period Of Adoption, Adjustment          
Allowance for credit losses:          
Beginning balance 264   264 0 0
Ending balance         264
Real estate – commercial mortgage:          
Allowance for credit losses:          
Beginning balance 88,080 78,725 90,204 77,020 77,020
Charge-offs (3,944) (5,727) (4,405) (5,727) (5,737)
Recoveries 116 99 122 105  
Net charge-offs (3,828) (5,628) (4,283) (5,622)  
Provision for (recovery of) credit losses on loans 37,230 4,028 35,561 5,727  
Ending balance 135,572 77,125 135,572 77,125 90,204
Individually evaluated 16,068 1,220 16,068 1,220  
Collectively evaluated 119,504 75,905 119,504 75,905  
Loans:          
Individually evaluated 65,012 32,579 65,012 32,579  
Collectively evaluated 9,405,122 5,733,899 9,405,122 5,733,899  
Loans, net of unearned income 9,470,134 5,766,478 9,470,134 5,766,478  
Nonaccruing loans with no allowance for credit losses 14,362 20,640 14,362 20,640  
Real estate – commercial mortgage: | Cumulative Effect, Period Of Adoption, Adjustment          
Allowance for credit losses:          
Beginning balance 14,090   14,090 0 0
Ending balance         14,090
Lease financing          
Allowance for credit losses:          
Beginning balance 3,644 2,554 3,368 2,515 2,515
Charge-offs (2,394) 0 (2,394) 0 (642)
Recoveries 4 10 13 18  
Net charge-offs (2,390) 10 (2,381) 18  
Provision for (recovery of) credit losses on loans 681 (49) 948 (18)  
Ending balance 1,935 2,515 1,935 2,515 3,368
Individually evaluated 0 0 0 0  
Collectively evaluated 1,935 2,515 1,935 2,515  
Loans:          
Individually evaluated 899 0 899 0  
Collectively evaluated 88,669 102,996 88,669 102,996  
Loans, net of unearned income 89,568 102,996 89,568 102,996  
Nonaccruing loans with no allowance for credit losses 899 0 899 0  
Lease financing | Cumulative Effect, Period Of Adoption, Adjustment          
Allowance for credit losses:          
Beginning balance 0   0 0 0
Ending balance         0
Installment Loans to Individuals          
Allowance for credit losses:          
Beginning balance 6,494 8,969 6,770 9,168 9,168
Charge-offs (394) (251) (659) (730) (1,856)
Recoveries 141 232 389 570  
Net charge-offs (253) (19) (270) (160)  
Provision for (recovery of) credit losses on loans (143) 13 (402) (45)  
Ending balance 6,100 8,963 6,100 8,963 6,770
Individually evaluated 270 270 270 270  
Collectively evaluated 5,830 8,693 5,830 8,693  
Loans:          
Individually evaluated 270 270 270 270  
Collectively evaluated 121,906 96,006 121,906 96,006  
Loans, net of unearned income 122,176 96,276 122,176 96,276  
Nonaccruing loans with no allowance for credit losses 0 $ 0 0 0  
Installment Loans to Individuals | Cumulative Effect, Period Of Adoption, Adjustment          
Allowance for credit losses:          
Beginning balance $ 2   $ 2 $ 0 0
Ending balance         $ 2