v3.25.2
LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Loan Losses (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning balance, Allowance $ 345,555 $ 320,023 $ 338,084 $ 307,100
Provision for loan losses 3,110 25,348 19,629 50,871
Loans charged off (14,226) (16,845) (29,610) (35,302)
Recoveries of loans previously charged off 7,128 7,692 13,464 13,549
Ending balance, Allowance 341,567 336,218 341,567 336,218
Commercial and industrial        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning balance, Allowance 82,621 63,804 87,242 64,053
Provision for loan losses 12,345 10,869 15,733 23,016
Loans charged off (10,517) (12,539) (22,376) (27,834)
Recoveries of loans previously charged off 4,536 4,408 8,386 7,307
Ending balance, Allowance 88,985 66,542 88,985 66,542
Consumer        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning balance, Allowance 6,145 3,939 7,327 3,952
Provision for loan losses 1,090 114 553 880
Loans charged off (913) (965) (1,853) (2,121)
Recoveries of loans previously charged off 251 391 546 768
Ending balance, Allowance 6,573 3,479 6,573 3,479
Mortgage warehouse        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning balance, Allowance 1,824 1,823 2,262 1,678
Provision for loan losses 456 319 18 464
Loans charged off 0 0 0 0
Recoveries of loans previously charged off 0 0 0 0
Ending balance, Allowance 2,280 2,142 2,280 2,142
Municipal        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning balance, Allowance 57 63 58 345
Provision for loan losses 1 (3) 0 (285)
Loans charged off 0 0 0 0
Recoveries of loans previously charged off 0 0 0 0
Ending balance, Allowance 58 60 58 60
Premium finance        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning balance, Allowance 682 616 736 602
Provision for loan losses 567 594 762 163
Loans charged off (2,719) (2,802) (5,048) (4,808)
Recoveries of loans previously charged off 2,253 2,294 4,333 4,745
Ending balance, Allowance 783 702 783 702
Real estate – construction and development        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning balance, Allowance 69,086 72,168 60,421 61,017
Provision for loan losses (21,785) 5,269 (13,124) 16,417
Loans charged off 0 0 0 0
Recoveries of loans previously charged off 5 45 9 48
Ending balance, Allowance 47,306 77,482 47,306 77,482
Real estate – commercial and farmland        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning balance, Allowance 118,392 110,656 118,377 110,097
Provision for loan losses 9,335 11,311 9,315 11,785
Loans charged off 0 (513) 0 (513)
Recoveries of loans previously charged off 67 509 102 594
Ending balance, Allowance 127,794 121,963 127,794 121,963
Real estate – residential        
Financing Receivable, Allowance for Credit Loss [Roll Forward]        
Beginning balance, Allowance 66,748 66,954 61,661 65,356
Provision for loan losses 1,101 (3,125) 6,372 (1,569)
Loans charged off (77) (26) (333) (26)
Recoveries of loans previously charged off 16 45 88 87
Ending balance, Allowance $ 67,788 $ 63,848 $ 67,788 $ 63,848