v3.25.4
LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Allowance for Loan and Lease Losses (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning Balance $ 40,714    
Credit Loss Expense (Benefit) 3,148 $ 18,767 $ 12,203
Charge-offs (32,925) (14,790)  
Ending Balance 36,511 40,714  
Loans Held for Investment      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning Balance 40,714 35,219 42,807
Credit Loss Expense (Benefit) 3,230 18,603 12,226
Charge-offs (32,925) (14,790) (21,477)
Recoveries 14,712 1,682 1,663
Initial ACL on Loans Purchased with Credit Deterioration 10,780 0 0
Ending Balance 36,511 40,714 35,219
Commercial real estate      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Charge-offs (203) (831)  
Commercial real estate | Loans Held for Investment      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning Balance 3,825 6,030 4,459
Credit Loss Expense (Benefit) 1,020 (1,749) 1,593
Charge-offs (203) (831) (108)
Recoveries 71 375 86
Initial ACL on Loans Purchased with Credit Deterioration 0 0 0
Ending Balance 4,713 3,825 6,030
Construction, land development, land      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Charge-offs (250) 0  
Construction, land development, land | Loans Held for Investment      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning Balance 2,873 965 1,155
Credit Loss Expense (Benefit) 300 1,907 (195)
Charge-offs (250) 0 0
Recoveries 47 1 5
Initial ACL on Loans Purchased with Credit Deterioration 0 0 0
Ending Balance 2,970 2,873 965
1-4 family residential properties      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Charge-offs (104) (72)  
1-4 family residential properties | Loans Held for Investment      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning Balance 1,404 927 838
Credit Loss Expense (Benefit) 584 544 82
Charge-offs (104) (72) (5)
Recoveries 43 5 12
Initial ACL on Loans Purchased with Credit Deterioration 0 0 0
Ending Balance 1,927 1,404 927
Farmland      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Charge-offs 0 0  
Farmland | Loans Held for Investment      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning Balance 386 442 483
Credit Loss Expense (Benefit) (88) (56) (41)
Charge-offs 0 0 0
Recoveries 0 0 0
Initial ACL on Loans Purchased with Credit Deterioration 0 0 0
Ending Balance 298 386 442
Commercial      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Charge-offs (25,146) (6,218)  
Commercial | Loans Held for Investment      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning Balance 21,419 14,060 15,918
Credit Loss Expense (Benefit) (2,015) 13,443 7,712
Charge-offs (25,146) (6,218) (9,804)
Recoveries 9,909 134 234
Initial ACL on Loans Purchased with Credit Deterioration 10,780 0 0
Ending Balance 14,947 21,419 14,060
Factored receivables      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Charge-offs (6,637) (7,186)  
Factored receivables | Loans Held for Investment      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning Balance 9,600 11,896 19,121
Credit Loss Expense (Benefit) 2,611 3,812 2,961
Charge-offs (6,637) (7,186) (10,997)
Recoveries 4,495 1,078 811
Initial ACL on Loans Purchased with Credit Deterioration 0 0 0
Ending Balance 10,069 9,600 11,896
Consumer      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Charge-offs (585) (483)  
Consumer | Loans Held for Investment      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning Balance 185 171 175
Credit Loss Expense (Benefit) 682 408 44
Charge-offs (585) (483) (563)
Recoveries 147 89 515
Initial ACL on Loans Purchased with Credit Deterioration 0 0 0
Ending Balance 429 185 171
Mortgage warehouse      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Charge-offs 0 0  
Mortgage warehouse | Loans Held for Investment      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Beginning Balance 1,022 728 658
Credit Loss Expense (Benefit) 136 294 70
Charge-offs 0 0 0
Recoveries 0 0 0
Initial ACL on Loans Purchased with Credit Deterioration 0 0 0
Ending Balance $ 1,158 $ 1,022 $ 728