v3.26.1
LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Allowance for Loan and Lease Losses (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
Dec. 31, 2025
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance     $ 36,511    
Credit Loss Expense $ 2,736 $ (702) 2,129 $ 628  
Charge-offs     (5,540)   $ (32,925)
Ending Balance 34,783   34,783   36,511
Loans Held for Investment          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 34,157 36,229 36,511 40,714 40,714
Credit Loss Expense 2,364 (516) 1,867 798  
Charge-offs (3,368) (12,188) (5,540) (18,263)  
Recoveries 1,630 4,386 1,945 4,662  
Initial ACL on Loans Purchased with Credit Deterioration 0 10,780 0 10,780  
Ending Balance 34,783 38,691 34,783 38,691 36,511
Commercial real estate          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Charge-offs     (668)   (203)
Commercial real estate | Loans Held for Investment          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 5,274 4,657 4,713 3,825 3,825
Credit Loss Expense (410) (518) 151 427  
Charge-offs (668) (5) (668) (121)  
Recoveries 48 64 48 67  
Initial ACL on Loans Purchased with Credit Deterioration 0 0 0 0  
Ending Balance 4,244 4,198 4,244 4,198 4,713
Construction, land development, land          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Charge-offs     0   (250)
Construction, land development, land | Loans Held for Investment          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 2,498 2,639 2,970 2,873 2,873
Credit Loss Expense 420 199 (52) (35)  
Charge-offs 0 (250) 0 (250)  
Recoveries 1 1 1 1  
Initial ACL on Loans Purchased with Credit Deterioration 0 0 0 0  
Ending Balance 2,919 2,589 2,919 2,589 2,970
1-4 family residential          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Charge-offs     (74)   (104)
1-4 family residential | Loans Held for Investment          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 1,924 1,446 1,927 1,404 1,404
Credit Loss Expense 210 158 205 199  
Charge-offs (74) (45) (74) (46)  
Recoveries 26 1 28 3  
Initial ACL on Loans Purchased with Credit Deterioration 0 0 0 0  
Ending Balance 2,086 1,560 2,086 1,560 1,927
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 299 326 298 386 386
Credit Loss Expense 2 (24) 3 (84)  
Charge-offs 0 0 0 0  
Recoveries 0 0 0 0  
Initial ACL on Loans Purchased with Credit Deterioration 0 0 0 0  
Ending Balance 301 302 301 302 298
Commercial          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Charge-offs     (2,233)   (25,146)
Commercial | Loans Held for Investment          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 12,795 16,191 14,947 21,419 21,419
Credit Loss Expense (723) 1,693 (2,625) 762  
Charge-offs (1,975) (11,132) (2,233) (15,503)  
Recoveries 1,353 281 1,361 355  
Initial ACL on Loans Purchased with Credit Deterioration 0 10,780 0 10,780  
Ending Balance 11,450 17,813 11,450 17,813 14,947
Factored receivables          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Charge-offs     (2,344)   (6,637)
Factored receivables | Loans Held for Investment          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 9,827 9,851 10,069 9,600 9,600
Credit Loss Expense 2,872 (2,638) 4,126 (1,129)  
Charge-offs (567) (665) (2,344) (2,073)  
Recoveries 176 4,005 457 4,155  
Initial ACL on Loans Purchased with Credit Deterioration 0 0 0 0  
Ending Balance 12,308 10,553 12,308 10,553 10,069
Consumer          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Charge-offs     (221)   (585)
Consumer | Loans Held for Investment          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 357 155 429 185 185
Credit Loss Expense 114 368 155 470  
Charge-offs (84) (91) (221) (270)  
Recoveries 26 34 50 81  
Initial ACL on Loans Purchased with Credit Deterioration 0 0 0 0  
Ending Balance 413 466 413 466 429
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 1,183 964 1,158 1,022 1,022
Credit Loss Expense (121) 246 (96) 188  
Charge-offs 0 0 0 0  
Recoveries 0 0 0 0  
Initial ACL on Loans Purchased with Credit Deterioration 0 0 0 0  
Ending Balance $ 1,062 $ 1,210 $ 1,062 $ 1,210 $ 1,158