v3.26.1
Loans and Allowance for Credit Losses on Loans - Credit Quality (Details) - USD ($)
$ in Thousands
6 Months Ended
Jun. 30, 2026
Dec. 31, 2025
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 $ 788,008 $ 1,587,924
2025 / 2024 1,411,168 939,988
2024 / 2023 740,704 658,553
2023 / 2022 552,543 697,290
2022 / 2021 608,549 484,390
Prior 656,267 386,205
Revolving Loans 487,882 497,656
Revolving Loans Converted To Term Loans 749 125
Total Loans 5,245,870 5,252,131
Minimum    
The gross charge-offs activity by loan type and year of origination    
Loan commitment for inclusion in credit quality analysis 50,000  
Pass    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 788,008 1,587,451
2025 / 2024 1,407,793 929,123
2024 / 2023 715,357 613,766
2023 / 2022 513,679 666,537
2022 / 2021 583,647 460,587
Prior 625,107 364,370
Revolving Loans 452,351 466,226
Revolving Loans Converted To Term Loans   125
Total Loans 5,085,942 5,088,185
Special Mention    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025   82
2025 / 2024 432  
2024 / 2023 8,109 535
2023 / 2022 1,701 4,017
2022 / 2021 4,513 2,317
Prior 2,226 3,979
Revolving Loans 10,850 2,917
Total Loans 27,831 13,847
Substandard    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025   391
2025 / 2024 2,943 10,865
2024 / 2023 17,238 44,252
2023 / 2022 31,163 26,736
2022 / 2021 20,389 21,486
Prior 28,934 17,856
Revolving Loans 24,681 28,513
Revolving Loans Converted To Term Loans 749  
Total Loans 126,097 150,099
Doubtful    
The gross charge-offs activity by loan type and year of origination    
2023 / 2022 6,000  
Total Loans 6,000  
Non-risk related loans    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 256,973 450,306
2025 / 2024 364,297 225,782
2024 / 2023 167,957 161,463
2023 / 2022 121,120 144,103
2022 / 2021 118,058 49,677
Prior 126,046 99,066
Revolving Loans 231,844 229,411
Total Loans 1,386,295 1,359,808
Non-risk related loans | Performing    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 256,904 449,603
2025 / 2024 363,620 225,052
2024 / 2023 167,367 160,615
2023 / 2022 120,412 143,353
2022 / 2021 117,142 49,298
Prior 123,770 97,338
Revolving Loans 230,104 228,410
Total Loans 1,379,319 1,353,669
Non-risk related loans | Nonperforming    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 69 703
2025 / 2024 677 730
2024 / 2023 590 848
2023 / 2022 708 750
2022 / 2021 916 379
Prior 2,276 1,728
Revolving Loans 1,740 1,001
Total Loans 6,976 6,139
Commercial    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 189,762 275,386
2025 / 2024 226,368 162,455
2024 / 2023 121,803 113,728
2023 / 2022 103,131 26,666
2022 / 2021 18,476 8,990
Prior 15,862 9,730
Revolving Loans 238,125 245,050
Revolving Loans Converted To Term Loans   125
Total Loans 913,527 842,130
Commercial | Pass    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 189,762 275,155
2025 / 2024 225,994 161,529
2024 / 2023 120,164 94,487
2023 / 2022 88,728 22,843
2022 / 2021 17,128 8,699
Prior 15,785 9,730
Revolving Loans 204,510 214,846
Revolving Loans Converted To Term Loans   125
Total Loans 862,071 787,414
Commercial | Special Mention    
The gross charge-offs activity by loan type and year of origination    
2024 / 2023 960  
2023 / 2022   212
Revolving Loans 10,850 2,917
Total Loans 11,810 3,129
Commercial | Substandard    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025   231
2025 / 2024 374 926
2024 / 2023 679 19,241
2023 / 2022 8,403 3,611
2022 / 2021 1,348 291
Prior 77  
Revolving Loans 22,765 27,287
Total Loans 33,646 51,587
Commercial | Doubtful    
The gross charge-offs activity by loan type and year of origination    
2023 / 2022 6,000  
Total Loans 6,000  
Real estate - residential loans    
The gross charge-offs activity by loan type and year of origination    
Mortgage loans in process of foreclosure 2,600 379
Leases    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 107,664 247,515
2025 / 2024 207,876 173,039
2024 / 2023 136,168 85,376
2023 / 2022 60,544 30,001
2022 / 2021 18,521 10,287
Prior 6,424 2,038
Total Loans 537,197 548,256
Leases | Pass    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 107,664 247,515
2025 / 2024 207,519 172,825
2024 / 2023 135,481 84,533
2023 / 2022 59,437 27,993
2022 / 2021 17,540 10,164
Prior 6,381 2,038
Total Loans 534,022 545,068
Leases | Special Mention    
The gross charge-offs activity by loan type and year of origination    
2024 / 2023   374
2023 / 2022   263
2022 / 2021 202 123
Prior 43  
Total Loans 245 760
Leases | Substandard    
The gross charge-offs activity by loan type and year of origination    
2025 / 2024 357 214
2024 / 2023 687 469
2023 / 2022 1,107 1,745
2022 / 2021 779  
Total Loans 2,930 2,428
Commercial real estate - Investor    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 103,461 296,301
2025 / 2024 281,302 227,464
2024 / 2023 190,887 122,307
2023 / 2022 106,002 257,391
2022 / 2021 252,043 200,034
Prior 219,299 102,516
Revolving Loans 6,174 6,371
Total Loans 1,159,168 1,212,384
Commercial real estate - Investor | Pass    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 103,461 296,219
2025 / 2024 280,870 217,761
2024 / 2023 175,348 120,630
2023 / 2022 105,888 255,701
2022 / 2021 249,248 199,993
Prior 216,023 99,144
Revolving Loans 6,174 6,371
Total Loans 1,137,012 1,195,819
Commercial real estate - Investor | Special Mention    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025   82
2025 / 2024 432  
2024 / 2023 7,149  
2022 / 2021 1,130 41
Prior 2,183 2,197
Total Loans 10,894 2,320
Commercial real estate - Investor | Substandard    
The gross charge-offs activity by loan type and year of origination    
2025 / 2024   9,703
2024 / 2023 8,390 1,677
2023 / 2022 114 1,690
2022 / 2021 1,665  
Prior 1,093 1,175
Total Loans 11,262 14,245
Commercial real estate - Owner occupied    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 90,486 194,046
2025 / 2024 192,148 76,480
2024 / 2023 61,357 88,839
2023 / 2022 79,361 89,208
2022 / 2021 57,801 128,512
Prior 176,528 119,173
Revolving Loans 9,215 10,309
Revolving Loans Converted To Term Loans 749  
Total Loans 667,645 706,567
Commercial real estate - Owner occupied | Pass    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 90,486 193,988
2025 / 2024 190,041 76,480
2024 / 2023 55,957 67,749
2023 / 2022 57,289 76,670
2022 / 2021 49,420 106,107
Prior 151,773 103,545
Revolving Loans 9,215 10,309
Total Loans 604,181 634,848
Commercial real estate - Owner occupied | Special Mention    
The gross charge-offs activity by loan type and year of origination    
2024 / 2023   161
2023 / 2022 1,701 3,542
2022 / 2021 3,181 2,153
Prior   1,782
Total Loans 4,882 7,638
Commercial real estate - Owner occupied | Substandard    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025   58
2025 / 2024 2,107  
2024 / 2023 5,400 20,929
2023 / 2022 20,371 8,996
2022 / 2021 5,200 20,252
Prior 24,755 13,846
Revolving Loans Converted To Term Loans 749  
Total Loans 58,582 64,081
Commercial real estate - Owner occupied | Non-risk related loans    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025   42,941
2025 / 2024   11,580
2024 / 2023   25,745
2023 / 2022   36,028
2022 / 2021   30,406
Prior   82,525
Revolving Loans   1,207
Total Loans   230,432
Commercial real estate - Owner occupied | Non-risk related loans | Performing    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025   42,941
2025 / 2024   11,580
2024 / 2023   25,594
2023 / 2022   35,826
2022 / 2021   30,264
Prior   81,168
Revolving Loans   1,207
Total Loans   228,580
Commercial real estate - Owner occupied | Non-risk related loans | Nonperforming    
The gross charge-offs activity by loan type and year of origination    
2024 / 2023   151
2023 / 2022   202
2022 / 2021   142
Prior   1,357
Total Loans   1,852
Construction    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 4,627 53,624
2025 / 2024 73,276 48,906
2024 / 2023 37,526 32,575
2023 / 2022 1,371 37,026
2022 / 2021 35,539 332
Prior 1,214 1,167
Total Loans 153,553 173,630
Construction | Pass    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 4,627 53,522
2025 / 2024 73,174 48,906
2024 / 2023 35,590 31,121
2023 / 2022 486 27,500
2022 / 2021 25,601 332
Prior 1,099 828
Total Loans 140,577 162,209
Construction | Substandard    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025   102
2025 / 2024 102  
2024 / 2023 1,936 1,454
2023 / 2022 885 9,526
2022 / 2021 9,938  
Prior 115 339
Total Loans 12,976 11,421
Residential real estate - Investor    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 3,436 13,993
2025 / 2024 10,595 5,729
2024 / 2023 5,377 3,677
2023 / 2022 2,866 15,256
2022 / 2021 14,556 15,749
Prior 25,850 11,424
Revolving Loans 2,453 4,397
Total Loans 65,133 70,225
Residential real estate - Investor | Pass    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 3,436 13,993
2025 / 2024 10,595 5,729
2024 / 2023 5,377 3,677
2023 / 2022 2,866 15,256
2022 / 2021 14,556 15,288
Prior 25,188 10,743
Revolving Loans 2,453 4,397
Total Loans 64,471 69,083
Residential real estate - Investor | Substandard    
The gross charge-offs activity by loan type and year of origination    
2022 / 2021   461
Prior 662 681
Total Loans 662 1,142
Residential real estate - Owner occupied    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 27,764 42,941
2025 / 2024 41,497 11,580
2024 / 2023 10,350 25,745
2023 / 2022 23,480 36,028
2022 / 2021 34,989 30,406
Prior 103,472 82,525
Revolving Loans 1,216 1,207
Total Loans 242,768 230,432
Residential real estate - Owner occupied | Pass    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 27,764 42,941
2025 / 2024 41,497 11,580
2024 / 2023 10,350 25,594
2023 / 2022 23,335 35,826
2022 / 2021 34,652 30,264
Prior 101,878 81,123
Revolving Loans 1,216 1,207
Total Loans 240,692 228,535
Residential real estate - Owner occupied | Substandard    
The gross charge-offs activity by loan type and year of origination    
2024 / 2023   151
2023 / 2022 145 202
2022 / 2021 337 142
Prior 1,594 1,402
Total Loans 2,076 1,897
Residential real estate - Owner occupied | Non-risk related loans    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 27,763  
2025 / 2024 41,497  
2024 / 2023 10,350  
2023 / 2022 23,481  
2022 / 2021 34,989  
Prior 103,472  
Revolving Loans 1,216  
Total Loans 242,768  
Residential real estate - Owner occupied | Non-risk related loans | Performing    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 27,763  
2025 / 2024 41,497  
2024 / 2023 10,350  
2023 / 2022 23,336  
2022 / 2021 34,652  
Prior 101,661  
Revolving Loans 1,216  
Total Loans 240,475  
Residential real estate - Owner occupied | Non-risk related loans | Nonperforming    
The gross charge-offs activity by loan type and year of origination    
2023 / 2022 145  
2022 / 2021 337  
Prior 1,811  
Total Loans 2,293  
Multifamily    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 31,598 56,753
2025 / 2024 55,306 20,133
2024 / 2023 19,629 50,588
2023 / 2022 78,149 97,639
2022 / 2021 93,555 70,809
Prior 85,044 41,091
Revolving Loans 71 2,118
Total Loans 363,352 339,131
Multifamily | Pass    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 31,598 56,753
2025 / 2024 55,306 20,133
2024 / 2023 19,629 50,464
2023 / 2022 78,149 96,747
2022 / 2021 92,669 70,496
Prior 84,733 40,926
Revolving Loans 71 2,118
Total Loans 362,155 337,637
Multifamily | Substandard    
The gross charge-offs activity by loan type and year of origination    
2024 / 2023   124
2023 / 2022   892
2022 / 2021 886 313
Prior 311 165
Total Loans 1,197 1,494
HELOC    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 2,907 2,888
2025 / 2024 2,525 2,192
2024 / 2023 1,942 1,700
2023 / 2022 1,453 1,646
2022 / 2021 1,466 278
Prior 4,719 4,720
Revolving Loans 224,295 221,869
Total Loans 239,307 235,293
HELOC | Pass    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 2,907 2,888
2025 / 2024 2,525 2,192
2024 / 2023 1,882 1,700
2023 / 2022 1,453 1,646
2022 / 2021 1,466 278
Prior 4,445 4,480
Revolving Loans 222,379 220,643
Total Loans 237,057 233,827
HELOC | Substandard    
The gross charge-offs activity by loan type and year of origination    
2024 / 2023 60  
Prior 274 240
Revolving Loans 1,916 1,226
Total Loans 2,250 1,466
HELOC | Non-risk related loans    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 2,907 2,888
2025 / 2024 2,525 2,192
2024 / 2023 1,942 1,700
2023 / 2022 1,453 1,646
2022 / 2021 1,466 278
Prior 4,719 4,720
Revolving Loans 224,295 221,869
Total Loans 239,307 235,293
HELOC | Non-risk related loans | Performing    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 2,907 2,888
2025 / 2024 2,525 2,192
2024 / 2023 1,882 1,700
2023 / 2022 1,453 1,646
2022 / 2021 1,466 278
Prior 4,465 4,499
Revolving Loans 222,555 220,868
Total Loans 237,253 234,071
HELOC | Non-risk related loans | Nonperforming    
The gross charge-offs activity by loan type and year of origination    
2024 / 2023 60  
Prior 254 221
Revolving Loans 1,740 1,001
Total Loans 2,054 1,222
Powersport    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 172,661 323,072
2025 / 2024 252,908 180,121
2024 / 2023 130,849 114,256
2023 / 2022 79,847 57,740
2022 / 2021 36,603 17,237
Prior 11,071 4,533
Total Loans 683,939 696,959
Powersport | Pass    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 172,661 323,072
2025 / 2024 252,905 180,099
2024 / 2023 130,763 114,212
2023 / 2022 79,802 57,740
2022 / 2021 36,565 17,237
Prior 11,045 4,531
Total Loans 683,741 696,891
Powersport | Substandard    
The gross charge-offs activity by loan type and year of origination    
2025 / 2024 3 22
2024 / 2023 86 44
2023 / 2022 45  
2022 / 2021 38  
Prior 26 2
Total Loans 198 68
Powersport | Non-risk related loans    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 172,661 323,072
2025 / 2024 252,908 180,121
2024 / 2023 130,849 114,256
2023 / 2022 79,847 57,740
2022 / 2021 36,603 17,237
Prior 11,071 4,533
Total Loans 683,939 696,959
Powersport | Non-risk related loans | Performing    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 172,592 322,369
2025 / 2024 252,291 179,391
2024 / 2023 130,319 113,725
2023 / 2022 79,377 57,266
2022 / 2021 36,221 17,026
Prior 10,890 4,404
Total Loans 681,690 694,181
Powersport | Non-risk related loans | Nonperforming    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 69 703
2025 / 2024 617 730
2024 / 2023 530 531
2023 / 2022 470 474
2022 / 2021 382 211
Prior 181 129
Total Loans 2,249 2,778
Other    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 53,642 81,405
2025 / 2024 67,367 31,889
2024 / 2023 24,816 19,762
2023 / 2022 16,339 48,689
2022 / 2021 45,000 1,756
Prior 6,784 7,288
Revolving Loans 6,333 6,335
Total Loans 220,281 197,124
Other | Pass    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 53,642 81,405
2025 / 2024 67,367 31,889
2024 / 2023 24,816 19,599
2023 / 2022 16,246 48,615
2022 / 2021 44,802 1,729
Prior 6,757 7,282
Revolving Loans 6,333 6,335
Total Loans 219,963 196,854
Other | Substandard    
The gross charge-offs activity by loan type and year of origination    
2024 / 2023   163
2023 / 2022 93 74
2022 / 2021 198 27
Prior 27 6
Total Loans 318 270
Other | Non-risk related loans    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 53,642 81,405
2025 / 2024 67,367 31,889
2024 / 2023 24,816 19,762
2023 / 2022 16,339 48,689
2022 / 2021 45,000 1,756
Prior 6,784 7,288
Revolving Loans 6,333 6,335
Total Loans 220,281 197,124
Other | Non-risk related loans | Performing    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 53,642 81,405
2025 / 2024 67,307 31,889
2024 / 2023 24,816 19,596
2023 / 2022 16,246 48,615
2022 / 2021 44,803 1,730
Prior 6,754 7,267
Revolving Loans 6,333 6,335
Total Loans 219,901 196,837
Other | Non-risk related loans | Nonperforming    
The gross charge-offs activity by loan type and year of origination    
2025 / 2024 60  
2024 / 2023   166
2023 / 2022 93 74
2022 / 2021 197 26
Prior 30 21
Total Loans $ 380 $ 287