| Activity In The Allowance For Loan Losses |
The activity in the ACL for the three-month periods ended March 31, 2026 and March 31, 2025 is summarized in the following tables:
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended
March 31, 2026 | | (In thousands) | Commercial,
financial and
agricultural | | Commercial
real estate | | Construction
real estate | | Residential
real estate | | Consumer | | Leases | | Total | | ACL: | | | | | | | | | | | | | | | Beginning balance | $ | 14,142 | | | $ | 18,177 | | | $ | 7,709 | | | $ | 27,344 | | | $ | 25,393 | | | $ | 208 | | | $ | 92,973 | | | Initial allowance-PCD loans | 130 | | | 481 | | | 467 | | | 136 | | | 1 | | | — | | | 1,215 | | | Initial allowance-PSL | 1,559 | | | 6,990 | | | 1,835 | | | 3,796 | | | 178 | | | — | | | 14,358 | | | Charge-offs | 599 | | | 20 | | | — | | | 119 | | | 3,702 | | | — | | | 4,440 | | | Recoveries | 346 | | | 6 | | | 7 | | | 39 | | | 1,414 | | | — | | | 1,812 | | | Net charge-offs/(recoveries) | $ | 253 | | | $ | 14 | | | $ | (7) | | | $ | 80 | | | $ | 2,288 | | | $ | — | | | $ | 2,628 | | | Provision for (recovery of) credit losses | 2,008 | | | 238 | | | (1,583) | | | (508) | | | 2,459 | | | 58 | | | 2,672 | | | Ending balance | $ | 17,586 | | | $ | 25,872 | | | $ | 8,435 | | | $ | 30,688 | | | $ | 25,743 | | | $ | 266 | | | $ | 108,590 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended
March 31, 2025 | | (In thousands) | Commercial,
financial and
agricultural | | Commercial
real estate | | Construction
real estate | | Residential
real estate | | Consumer | | Leases | | Total | | ACL: | | | | | | | | | | | | | | | Beginning balance | $ | 12,683 | | | $ | 19,571 | | | $ | 7,125 | | | $ | 22,355 | | | $ | 26,081 | | | $ | 151 | | | $ | 87,966 | | | Charge-offs | 301 | | | — | | | — | | | 25 | | | 3,279 | | | — | | | 3,605 | | | Recoveries | 337 | | | 14 | | | 1,104 | | | 45 | | | 1,513 | | | — | | | 3,013 | | | Net (recoveries)/charge-offs | $ | (36) | | | $ | (14) | | | $ | (1,104) | | | $ | (20) | | | $ | 1,766 | | | $ | — | | | $ | 592 | | | (Recovery of )provision for credit losses | (1,311) | | | 253 | | | (90) | | | 374 | | | 1,500 | | | 30 | | | 756 | | | Ending balance | $ | 11,408 | | | $ | 19,838 | | | $ | 8,139 | | | $ | 22,749 | | | $ | 25,815 | | | $ | 181 | | | $ | 88,130 | |
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