OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES (Tables)

6 Months Ended

Jun. 30, 2025

OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES

Schedule of Commitments exclusive of Mortgage Bank Loan Commitments


(in thousands)		June 30, 2025			December 31, 2024

Unused warehouse lines of credit		$	363,726		$	404,240
Unused home equity lines of credit			480,341			478,040
Unused loan commitments - other			1,167,249			1,093,990
Standby letters of credit			11,964			11,282
Total commitments		$	2,023,280		$	1,987,552

Schedule of roll-forward of the ACLC


			ACLC Roll-forward
			Three Months Ended June 30,
			2025															2024
			Beginning						Charge-						Ending			Beginning						Charge-						Ending
(in thousands)			Balance			Provision			offs			Recoveries			Balance			Balance			Provision			offs			Recoveries			Balance

Loan Commitments
Unused warehouse lines of credit			$	105		$	(13)		$	—		$	—		$	92		$	108		$	(31)		$	—		$	—		$	77
Unused home equity lines of credit				199			(4)			—			—			195			86			24			—			—			110
Unused construction lines of credit				737			(34)			—			—			703			641			(50)			—			—			591
Unused RCS lines of credit				190			30			—			—			220			—			—			—			—			—
Unused loan commitments - other				279			11			—			—			290			395			(63)			—			—			332

Total			$	1,510		$	(10)		$	—		$	—		$	1,500		$	1,230		$	(120)		$	—		$	—		$	1,110


			ACLC Roll-forward
			Six Months Ended June 30,
			2025															2024
			Beginning						Charge-						Ending			Beginning						Charge-						Ending
(in thousands)			Balance			Provision			offs			Recoveries			Balance			Balance			Provision			offs			Recoveries			Balance

Loan Commitments
Unused warehouse lines of credit			$	79		$	13		$	—		$	—		$	92		$	116		$	(39)		$	—		$	—		$	77
Unused home equity lines of credit				183			12			—			—			195			55			55			—			—			110
Unused construction lines of credit				677			26			—			—			703			820			(229)			—			—			591
Unused RCS lines of credit				300			(80)			—			—			220			—			—			—			—			—
Unused loan commitments - other				251			39			—			—			290			349			(17)			—			—			332

Total			$	1,490		$	10		$	—		$	—		$	1,500		$	1,340		$	(230)		$	—		$	—		$	1,110