v3.26.1
PORTFOLIO LOANS - Schedule of Activity on the Allowance for Loan Losses (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
Activity in the allowance for loan losses        
ACL beginning balance $ 169,054 $ 195,210 $ 174,023 $ 83,404
Provision for loan losses     3,925 1,024
Day 1 PCD       100,783
Day 2 Provision for loan losses 1,532 1,005 5,247 51,293
Charged-off (9,467) (13,383) (17,307) (45,218)
Recoveries 3,085 502 3,563 908
ACL ending balance 164,204 183,334 164,204 183,334
CrossFirst        
Activity in the allowance for loan losses        
Day 2 Provision for loan losses       42,433
Charged-off       (31,100)
Commercial loans | C&I and other commercial        
Activity in the allowance for loan losses        
ACL beginning balance 57,804 89,304 61,370 21,589
Provision for loan losses     10,328 (18,240)
Day 1 PCD       75,569
Day 2 Provision for loan losses 6,772 (18,863)    
Charged-off (8,688) (2,080) (16,193) (33,301)
Recoveries 1,531 217 1,914 313
ACL ending balance 57,419 68,578 57,419 68,578
Commercial loans | C&I and other commercial | CrossFirst        
Activity in the allowance for loan losses        
Day 2 Provision for loan losses       22,648
Commercial loans | CRE and Retail real estate        
Activity in the allowance for loan losses        
ACL beginning balance 70,100 68,478 70,328 32,301
Provision for loan losses     (8,294) 12,977
Day 1 PCD       21,588
Day 2 Provision for loan losses (8,060) 13,370    
Charged-off (228) (10,916) (228) (11,169)
Recoveries 1,371 3 1,377 134
ACL ending balance 63,183 70,935 63,183 70,935
Commercial loans | CRE and Retail real estate | CrossFirst        
Activity in the allowance for loan losses        
Day 2 Provision for loan losses       15,104
Commercial loans | Real estate construction        
Activity in the allowance for loan losses        
ACL beginning balance 12,588 8,689 11,568 3,345
Provision for loan losses     3,386 4,611
Day 1 PCD       2,112
Day 2 Provision for loan losses 2,367 4,300    
Charged-off (101) 0 (101) 0
Recoveries 1 83 2 93
ACL ending balance 14,855 13,072 14,855 13,072
Commercial loans | Real estate construction | CrossFirst        
Activity in the allowance for loan losses        
Day 2 Provision for loan losses       2,911
Retail loans | CRE and Retail real estate        
Activity in the allowance for loan losses        
ACL beginning balance 27,140 26,399 29,178 23,711
Provision for loan losses     (1,672) 2,094
Day 1 PCD       1,430
Day 2 Provision for loan losses 272 2,597    
Charged-off (283) (119) (434) (119)
Recoveries 87 165 144 298
ACL ending balance 27,216 29,042 27,216 29,042
Retail loans | CRE and Retail real estate | CrossFirst        
Activity in the allowance for loan losses        
Day 2 Provision for loan losses       1,628
Retail loans | Retail other        
Activity in the allowance for loan losses        
ACL beginning balance 1,422 2,340 1,579 2,458
Provision for loan losses     177 (418)
Day 1 PCD       84
Day 2 Provision for loan losses 181 (399)    
Charged-off (167) (268) (351) (629)
Recoveries 95 34 126 70
ACL ending balance $ 1,531 $ 1,707 $ 1,531 1,707
Retail loans | Retail other | CrossFirst        
Activity in the allowance for loan losses        
Day 2 Provision for loan losses       $ 142