v3.26.1
Loans and Allowance for Credit Losses on Loans - Credit Risk Profile of Loan Portfolio (Details) - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Dec. 31, 2025
Credit risk profile of portfolio      
2026/2025 $ 780,333   $ 2,184,666
2025/2024 1,812,872   852,702
2024/2023 695,641   558,230
2023/2022 491,193   358,046
2022/2021 331,320   95,763
Prior 157,135   81,704
Revolving Loans 7,208,219   6,903,571
Total Loans 11,476,713   11,034,682
Net Charge-Offs      
Charge-offs 2025/2024     302
Charge-offs 2024/2023 1,266   43,200
Charge-offs 2023/2022     65,565
Charge-offs 2022/2021 6,649   6,856
Charge-offs Prior 15,064   8,193
Total Charge-offs 22,979 $ 10,507 124,116
Pass      
Credit risk profile of portfolio      
2026/2025 756,569   2,033,921
2025/2024 1,668,821   754,660
2024/2023 626,304   452,952
2023/2022 362,670   259,825
2022/2021 235,982   66,233
Prior 139,740   81,181
Revolving Loans 7,181,097   6,877,721
Total Loans 10,971,183   10,526,493
Special Mention      
Credit risk profile of portfolio      
2026/2025 5,910   88,842
2025/2024 71,391   89,527
2024/2023 52,611   561
2023/2022 48,709   22,426
2022/2021 50,100   883
Prior 996   374
Revolving Loans 4,629   2,305
Total Loans 234,346   204,918
Substandard      
Credit risk profile of portfolio      
2026/2025 17,854   61,903
2025/2024 72,660   8,515
2024/2023 16,726   104,717
2023/2022 79,814   75,795
2022/2021 45,238   28,647
Prior 16,399   149
Revolving Loans 22,493   23,545
Total Loans 271,184   303,271
MTG WHRA      
Credit risk profile of portfolio      
Revolving Loans 1,982,411   1,600,285
Total Loans 1,982,411   1,600,285
MTG WHRA | Pass      
Credit risk profile of portfolio      
Revolving Loans 1,982,411   1,600,285
Total Loans 1,982,411   1,600,285
RES RE      
Credit risk profile of portfolio      
2026/2025 6,033   66,511
2025/2024 68,856   33,386
2024/2023 31,693   22,076
2023/2022 19,330   6,400
2022/2021 6,304   4,608
Prior 25,844   21,412
Revolving Loans 880,664   864,387
Total Loans 1,038,724   1,018,780
Net Charge-Offs      
Charge-offs 2024/2023 214    
Charge-offs 2022/2021 22    
Total Charge-offs 236    
RES RE | Pass      
Credit risk profile of portfolio      
2026/2025 6,033   66,511
2025/2024 68,856   33,386
2024/2023 31,693   21,645
2023/2022 18,899   6,378
2022/2021 6,304   4,608
Prior 25,844   21,283
Revolving Loans 873,778   857,288
Total Loans 1,031,407   1,011,099
RES RE | Substandard      
Credit risk profile of portfolio      
2024/2023     431
2023/2022 431   22
Prior     129
Revolving Loans 6,886   7,099
Total Loans 7,317   7,681
MF FIN      
Credit risk profile of portfolio      
2026/2025 502,906   1,303,074
2025/2024 1,108,180   730,697
2024/2023 584,359   428,351
2023/2022 415,972   286,797
2022/2021 263,125   22,868
Prior 24,499   9,523
Revolving Loans 2,638,670   2,551,370
Total Loans 5,537,711   5,332,680
Net Charge-Offs      
Charge-offs 2024/2023 1,052   42,884
Charge-offs 2023/2022     65,405
Charge-offs 2022/2021 6,627    
Charge-offs Prior 2,797   5,992
Total Charge-offs 10,476 10,394 114,281
MF FIN | Pass      
Credit risk profile of portfolio      
2026/2025 488,177   1,193,011
2025/2024 1,013,792   650,672
2024/2023 533,632   348,888
2023/2022 288,552   189,881
2022/2021 169,055   22,868
Prior 24,499   9,291
Revolving Loans 2,629,984   2,539,144
Total Loans 5,147,691   4,953,755
MF FIN | Special Mention      
Credit risk profile of portfolio      
2026/2025 5,875   70,127
2025/2024 57,092   71,723
2024/2023 34,210    
2023/2022 48,161   21,924
2022/2021 49,600    
Prior     232
Revolving Loans 4,029   1,630
Total Loans 198,967   165,636
MF FIN | Substandard      
Credit risk profile of portfolio      
2026/2025 8,854   39,936
2025/2024 37,296   8,302
2024/2023 16,517   79,463
2023/2022 79,259   74,992
2022/2021 44,470    
Revolving Loans 4,657   10,596
Total Loans 191,053   213,289
HC FIN      
Credit risk profile of portfolio      
2026/2025 246,948   729,456
2025/2024 555,244   24,610
2024/2023 18,006   56,996
2023/2022 7,081    
2022/2021     20,317
Prior 12,247    
Revolving Loans 421,295   553,980
Total Loans 1,260,821   1,385,359
Net Charge-Offs      
Charge-offs 2022/2021     5,296
Charge-offs Prior 12,267   2,201
Total Charge-offs 12,267   7,497
HC FIN | Pass      
Credit risk profile of portfolio      
2026/2025 237,948   693,986
2025/2024 509,013   6,922
2024/2023 378   32,305
2023/2022 7,081    
Prior 4,197    
Revolving Loans 410,345   548,130
Total Loans 1,168,962   1,281,343
HC FIN | Special Mention      
Credit risk profile of portfolio      
2026/2025     13,503
2025/2024 13,460   17,688
2024/2023 17,628    
Total Loans 31,088   31,191
HC FIN | Substandard      
Credit risk profile of portfolio      
2026/2025 9,000   21,967
2025/2024 32,771    
2024/2023     24,691
2022/2021     20,317
Prior 8,050    
Revolving Loans 10,950   5,850
Total Loans 60,771   72,825
CML & CRE      
Credit risk profile of portfolio      
2026/2025 16,782   70,701
2025/2024 66,869   48,444
2024/2023 46,836   43,781
2023/2022 42,316   60,280
2022/2021 57,705   45,163
Prior 72,746   30,929
Revolving Loans 1,257,534   1,304,253
Total Loans 1,560,788   1,603,551
Net Charge-Offs      
Charge-offs 2025/2024     302
Charge-offs 2024/2023     316
Charge-offs 2023/2022     160
Charge-offs 2022/2021     1,560
Total Charge-offs   $ 113 2,338
CML & CRE | Pass      
Credit risk profile of portfolio      
2026/2025 16,747   65,578
2025/2024 63,526   48,115
2024/2023 45,854   43,092
2023/2022 41,647   59,178
2022/2021 56,618   35,950
Prior 63,401   30,767
Revolving Loans 1,256,934   1,303,578
Total Loans 1,544,727   1,586,258
CML & CRE | Special Mention      
Credit risk profile of portfolio      
2026/2025 35   5,123
2025/2024 750   116
2024/2023 773   561
2023/2022 548   502
2022/2021 500   883
Prior 996   142
Revolving Loans 600   675
Total Loans 4,202   8,002
CML & CRE | Substandard      
Credit risk profile of portfolio      
2025/2024 2,593   213
2024/2023 209   128
2023/2022 121   600
2022/2021 587   8,330
Prior 8,349   20
Total Loans 11,859   9,291
AG & AGRE      
Credit risk profile of portfolio      
2026/2025 7,647   14,791
2025/2024 13,603   15,457
2024/2023 14,684   7,011
2023/2022 6,481   4,567
2022/2021 4,185   2,807
Prior 21,799   19,840
Revolving Loans 24,128   27,604
Total Loans 92,527   92,077
AG & AGRE | Pass      
Credit risk profile of portfolio      
2026/2025 7,647   14,702
2025/2024 13,514   15,457
2024/2023 14,684   7,007
2023/2022 6,478   4,386
2022/2021 4,004   2,807
Prior 21,799   19,840
Revolving Loans 24,128   27,604
Total Loans 92,254   91,803
AG & AGRE | Special Mention      
Credit risk profile of portfolio      
2026/2025     89
2025/2024 89    
Total Loans 89   89
AG & AGRE | Substandard      
Credit risk profile of portfolio      
2024/2023     4
2023/2022 3   181
2022/2021 181    
Total Loans 184   185
CON & MAR      
Credit risk profile of portfolio      
2026/2025 17   133
2025/2024 120   108
2024/2023 63   15
2023/2022 13   2
2022/2021 1    
Revolving Loans 3,517   1,692
Total Loans 3,731   1,950
CON & MAR | Pass      
Credit risk profile of portfolio      
2026/2025 17   133
2025/2024 120   108
2024/2023 63   15
2023/2022 13   2
2022/2021 1    
Revolving Loans 3,517   1,692
Total Loans $ 3,731   $ 1,950