v3.26.1
Loans Held for Investment - Internal Risk Grades (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
Dec. 31, 2025
Internal risk grades of non-covered loans          
2026 $ 1,126,945   $ 1,126,945    
2025 2,003,034   2,003,034    
2024 857,918   857,918    
2023 557,012   557,012    
2022 954,533   954,533    
2021 and Prior 1,737,480   1,737,480    
Revolving 681,554   681,554    
Loans Converted To Term Loans 68,328   68,328    
Total loans with credit quality measures 7,986,804   7,986,804    
Loan Charge-offs 3,440 $ 1,107 8,180 $ 5,524  
Total 8,672,927   8,672,927   $ 8,311,952
Commercial real estate | Non-owner occupied          
Internal risk grades of non-covered loans          
Loan Charge-offs       918  
Total 2,255,080   2,255,080   2,121,087
Commercial real estate | Non-owner occupied | Internal Grade 1-3 (Pass low risk)          
Internal risk grades of non-covered loans          
2026 5,463   5,463    
2025 46,277   46,277    
2024 13,972   13,972    
2023 2,149   2,149    
2022 13,044   13,044    
2021 and Prior 92,977   92,977    
Revolving 907   907    
Total loans with credit quality measures 174,789   174,789    
Commercial real estate | Non-owner occupied | Internal Grade 4-7 (Pass normal risk)          
Internal risk grades of non-covered loans          
2026 224,703   224,703    
2025 415,574   415,574    
2024 215,329   215,329    
2023 122,812   122,812    
2022 130,717   130,717    
2021 and Prior 200,542   200,542    
Revolving 21,143   21,143    
Loans Converted To Term Loans 10,668   10,668    
Total loans with credit quality measures 1,341,488   1,341,488    
Commercial real estate | Non-owner occupied | Internal Grade 8-11 (Pass high risk and watch)          
Internal risk grades of non-covered loans          
2026 117,671   117,671    
2025 203,093   203,093    
2024 38,111   38,111    
2023 110,726   110,726    
2022 93,743   93,743    
2021 and Prior 77,098   77,098    
Revolving 1,506   1,506    
Loans Converted To Term Loans 612   612    
Total loans with credit quality measures 642,560   642,560    
Commercial real estate | Non-owner occupied | Internal Grade 12 (Special mention          
Internal risk grades of non-covered loans          
2022 3,745   3,745    
Total loans with credit quality measures 3,745   3,745    
Commercial real estate | Non-owner occupied | Internal Grade 13 (Substandard accrual)          
Internal risk grades of non-covered loans          
2025 5,009   5,009    
2024 6,060   6,060    
2023 322   322    
2022 33,924   33,924    
2021 and Prior 33,398   33,398    
Total loans with credit quality measures 78,713   78,713    
Commercial real estate | Non-owner occupied | Internal Grade 14 (Substandard non-accrual)          
Internal risk grades of non-covered loans          
2025 2,135   2,135    
2022 10,131   10,131    
2021 and Prior 1,519   1,519    
Total loans with credit quality measures 13,785   13,785    
Commercial real estate | Owner occupied          
Internal risk grades of non-covered loans          
Total 1,559,387   1,559,387   1,533,173
Commercial real estate | Owner occupied | Internal Grade 1-3 (Pass low risk)          
Internal risk grades of non-covered loans          
2026 2,271   2,271    
2025 39,272   39,272    
2024 13,093   13,093    
2023 1,239   1,239    
2022 3,375   3,375    
2021 and Prior 23,017   23,017    
Revolving 8,696   8,696    
Loans Converted To Term Loans 9,838   9,838    
Total loans with credit quality measures 100,801   100,801    
Commercial real estate | Owner occupied | Internal Grade 4-7 (Pass normal risk)          
Internal risk grades of non-covered loans          
2026 100,672   100,672    
2025 196,722   196,722    
2024 102,754   102,754    
2023 95,191   95,191    
2022 91,479   91,479    
2021 and Prior 308,369   308,369    
Revolving 16,449   16,449    
Loans Converted To Term Loans 12,773   12,773    
Total loans with credit quality measures 924,409   924,409    
Commercial real estate | Owner occupied | Internal Grade 8-11 (Pass high risk and watch)          
Internal risk grades of non-covered loans          
2026 46,780   46,780    
2025 104,092   104,092    
2024 61,359   61,359    
2023 33,482   33,482    
2022 90,624   90,624    
2021 and Prior 126,207   126,207    
Revolving 15,245   15,245    
Loans Converted To Term Loans 492   492    
Total loans with credit quality measures 478,281   478,281    
Commercial real estate | Owner occupied | Internal Grade 12 (Special mention          
Internal risk grades of non-covered loans          
2023 1,447   1,447    
Total loans with credit quality measures 1,447   1,447    
Commercial real estate | Owner occupied | Internal Grade 13 (Substandard accrual)          
Internal risk grades of non-covered loans          
2026 2,095   2,095    
2025 7,279   7,279    
2024 3,383   3,383    
2023 12,461   12,461    
2022 1,950   1,950    
2021 and Prior 16,477   16,477    
Loans Converted To Term Loans 35   35    
Total loans with credit quality measures 43,680   43,680    
Commercial real estate | Owner occupied | Internal Grade 14 (Substandard non-accrual)          
Internal risk grades of non-covered loans          
2026 306   306    
2024 2,245   2,245    
2022 496   496    
2021 and Prior 7,722   7,722    
Total loans with credit quality measures 10,769   10,769    
Commercial and industrial          
Internal risk grades of non-covered loans          
Current period gross charge-offs, 2026     83    
Current period gross charge-offs, 2025     133    
Current period gross charge-offs,2024     1,455    
Current period gross charge-offs, 2023     3,580    
Current period gross charge-offs, 2022     1,087    
Current period gross charge-offs, 2021 and prior     325    
Current period gross charge-offs, Revolving     298    
Current period gross charge-offs, Loans Converted To Term Loans     701    
Loan Charge-offs 3,362 743 7,662 4,175  
Total 1,589,677   1,589,677   1,526,467
Commercial and industrial | Internal Grade 1-3 (Pass low risk)          
Internal risk grades of non-covered loans          
2026 21,102   21,102    
2025 8,728   8,728    
2024 27,732   27,732    
2023 3,067   3,067    
2022 4,797   4,797    
2021 and Prior 6,143   6,143    
Revolving 30,611   30,611    
Total loans with credit quality measures 102,180   102,180    
Commercial and industrial | Internal Grade 4-7 (Pass normal risk)          
Internal risk grades of non-covered loans          
2026 82,486   82,486    
2025 66,799   66,799    
2024 32,167   32,167    
2023 5,623   5,623    
2022 39,396   39,396    
2021 and Prior 66,900   66,900    
Revolving 309,723   309,723    
Loans Converted To Term Loans 6,528   6,528    
Total loans with credit quality measures 609,622   609,622    
Commercial and industrial | Internal Grade 8-11 (Pass high risk and watch)          
Internal risk grades of non-covered loans          
2026 65,474   65,474    
2025 101,859   101,859    
2024 74,326   74,326    
2023 26,602   26,602    
2022 17,862   17,862    
2021 and Prior 21,306   21,306    
Revolving 220,778   220,778    
Loans Converted To Term Loans 10,232   10,232    
Total loans with credit quality measures 538,439   538,439    
Commercial and industrial | Internal Grade 12 (Special mention          
Internal risk grades of non-covered loans          
2025 146   146    
2022 15   15    
Revolving 5,566   5,566    
Total loans with credit quality measures 5,727   5,727    
Commercial and industrial | Internal Grade 13 (Substandard accrual)          
Internal risk grades of non-covered loans          
2026 858   858    
2025 1,349   1,349    
2024 2,507   2,507    
2023 2,501   2,501    
2022 2,374   2,374    
2021 and Prior 2,721   2,721    
Revolving 19,461   19,461    
Loans Converted To Term Loans 4,589   4,589    
Total loans with credit quality measures 36,360   36,360    
Commercial and industrial | Internal Grade 14 (Substandard non-accrual)          
Internal risk grades of non-covered loans          
2026 276   276    
2025 4,241   4,241    
2024 1,330   1,330    
2023 992   992    
2022 1,315   1,315    
2021 and Prior 368   368    
Revolving 100   100    
Loans Converted To Term Loans 8,945   8,945    
Total loans with credit quality measures 17,567   17,567    
Commercial and industrial | Mortgage warehouse lending          
Internal risk grades of non-covered loans          
Loans without credit quality measures 279,782   279,782    
Construction and land development          
Internal risk grades of non-covered loans          
Current period gross charge-offs,2024     137    
Loan Charge-offs   269 137 269  
Total 955,407   955,407   894,011
Construction and land development | FICO Score, 620 to 720          
Internal risk grades of non-covered loans          
2026 2,612   2,612    
2025 416   416    
2021 and Prior 730   730    
Total loans with credit quality measures 3,758   3,758    
Construction and land development | FICO Score, Greater than 720          
Internal risk grades of non-covered loans          
2026 7,360   7,360    
2025 3,094   3,094    
Total loans with credit quality measures 10,454   10,454    
Construction and land development | Internal Grade 1-3 (Pass low risk)          
Internal risk grades of non-covered loans          
2026 3,435   3,435    
2025 6,216   6,216    
2022 977   977    
2021 and Prior 1,306   1,306    
Total loans with credit quality measures 11,934   11,934    
Construction and land development | Internal Grade 4-7 (Pass normal risk)          
Internal risk grades of non-covered loans          
2026 151,995   151,995    
2025 290,940   290,940    
2024 60,540   60,540    
2023 6,881   6,881    
2022 10,965   10,965    
2021 and Prior 8,991   8,991    
Revolving 7,858   7,858    
Loans Converted To Term Loans 1,228   1,228    
Total loans with credit quality measures 539,398   539,398    
Construction and land development | Internal Grade 8-11 (Pass high risk and watch)          
Internal risk grades of non-covered loans          
2026 115,363   115,363    
2025 202,887   202,887    
2024 26,942   26,942    
2023 25,545   25,545    
2022 1,991   1,991    
2021 and Prior 3,864   3,864    
Revolving 5,721   5,721    
Total loans with credit quality measures 382,313   382,313    
Construction and land development | Internal Grade 12 (Special mention          
Internal risk grades of non-covered loans          
2025 5,251   5,251    
Total loans with credit quality measures 5,251   5,251    
Construction and land development | Internal Grade 13 (Substandard accrual)          
Internal risk grades of non-covered loans          
2026 963   963    
2024 572   572    
2021 and Prior 74   74    
Total loans with credit quality measures 1,609   1,609    
Construction and land development | Internal Grade 14 (Substandard non-accrual)          
Internal risk grades of non-covered loans          
2025 378   378    
2024 151   151    
2022 120   120    
2020 and Prior 41   41    
Total loans with credit quality measures 690   690    
1-4 family residential          
Internal risk grades of non-covered loans          
Current period gross charge-offs,2024     8    
Current period gross charge-offs, 2023     74    
Current period gross charge-offs, 2021 and prior     155    
Loan Charge-offs 26   237    
Total 1,880,058   1,880,058   1,861,654
1-4 family residential | FICO Score, Less than 620          
Internal risk grades of non-covered loans          
2026 2,075   2,075    
2025 680   680    
2024 450   450    
2023 582   582    
2022 1,087   1,087    
2021 and Prior 15,055   15,055    
Revolving 230   230    
Total loans with credit quality measures 20,159   20,159    
1-4 family residential | FICO Score, 620 to 720          
Internal risk grades of non-covered loans          
2026 6,085   6,085    
2025 36,145   36,145    
2024 14,770   14,770    
2023 7,664   7,664    
2022 11,443   11,443    
2021 and Prior 34,225   34,225    
Revolving 1,124   1,124    
Loans Converted To Term Loans 729   729    
Total loans with credit quality measures 112,185   112,185    
1-4 family residential | FICO Score, Greater than 720          
Internal risk grades of non-covered loans          
2026 144,605   144,605    
2025 210,947   210,947    
2024 132,191   132,191    
2023 88,106   88,106    
2022 382,977   382,977    
2021 and Prior 677,909   677,909    
Revolving 3,466   3,466    
Loans Converted To Term Loans 1,471   1,471    
Total loans with credit quality measures 1,641,672   1,641,672    
1-4 family residential | Substandard non-accrual          
Internal risk grades of non-covered loans          
2024 19   19    
2022 1,151   1,151    
2021 and Prior 6,509   6,509    
Total loans with credit quality measures 7,679   7,679    
1-4 family residential | Other          
Internal risk grades of non-covered loans          
2026 12,902   12,902    
2025 36,572   36,572    
2024 25,703   25,703    
2023 8,708   8,708    
2022 3,819   3,819    
2021 and Prior 3,880   3,880    
Revolving 6,612   6,612    
Loans Converted To Term Loans 167   167    
Total loans with credit quality measures 98,363   98,363    
Consumer          
Internal risk grades of non-covered loans          
Current period gross charge-offs, 2026     24    
Current period gross charge-offs, 2025     61    
Current period gross charge-offs,2024     29    
Current period gross charge-offs, 2023     21    
Current period gross charge-offs, 2021 and prior     7    
Current period gross charge-offs, Revolving     1    
Current period gross charge-offs, Loans Converted To Term Loans     1    
Loan Charge-offs 52 $ 95 144 $ 162  
Total 26,977   26,977   31,027
Consumer | FICO Score, Less than 620          
Internal risk grades of non-covered loans          
2026 909   909    
2025 296   296    
2024 76   76    
2023 55   55    
2022 10   10    
2021 and Prior 5   5    
Revolving 329   329    
Loans Converted To Term Loans 4   4    
Total loans with credit quality measures 1,684   1,684    
Consumer | FICO Score, 620 to 720          
Internal risk grades of non-covered loans          
2026 2,303   2,303    
2025 1,799   1,799    
2024 438   438    
2023 327   327    
2022 277   277    
2021 and Prior 23   23    
Revolving 2,284   2,284    
Loans Converted To Term Loans 13   13    
Total loans with credit quality measures 7,464   7,464    
Consumer | FICO Score, Greater than 720          
Internal risk grades of non-covered loans          
2026 2,169   2,169    
2025 1,505   1,505    
2024 1,090   1,090    
2023 452   452    
2022 678   678    
2021 and Prior 104   104    
Revolving 3,220   3,220    
Loans Converted To Term Loans 4   4    
Total loans with credit quality measures 9,222   9,222    
Consumer | Other          
Internal risk grades of non-covered loans          
2026 4,012   4,012    
2025 3,333   3,333    
2024 608   608    
2023 78   78    
2022 51   51    
Revolving 525   525    
Total loans with credit quality measures 8,607   8,607    
Broker-dealer          
Internal risk grades of non-covered loans          
Loans without credit quality measures 406,341   406,341    
Total $ 406,341   $ 406,341   $ 344,533