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SEGMENT REPORTING
 6 Months Ended
Jun. 30, 2026
Segment Reporting [Abstract]  
SEGMENT REPORTING
NOTE 9 – SEGMENT REPORTING

The Company has the following four reportable segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division and Premium Finance Division. The Banking Division derives its revenues from the delivery of full-service financial services, including commercial loans, consumer loans and deposit accounts. The Retail Mortgage Division derives its revenues from the origination, sales and servicing of one-to-four family residential mortgage loans. The Warehouse Lending Division derives its revenues from the origination and servicing of warehouse lines to other businesses that are secured by underlying one-to-four family residential mortgage loans or mortgage servicing rights. The Premium Finance Division derives its revenues from the origination and servicing of commercial and life insurance premium finance loans.

The Banking, Retail Mortgage, Warehouse Lending and Premium Finance Divisions are managed as separate business units because of the different products and services they provide. The Company evaluates performance and allocates resources based on profit or loss from operations. There are no material intersegment sales or transfers.

The chief operating decision maker (CODM) within the Company is the Chief Executive Officer, who also serves as a member of the Board of Directors and as Chair of the Executive Committee of the Board. The CODM regularly receives a package of period-end reports and works with management in making necessary operating decisions, including the allocation of resources among the Company's segments. This includes evaluation of performance as measured by net income for each segment. Each segment that is reported has strategic planning, budgeting, and forecasting sessions at least annually with the CODM through executive management.

The following tables present selected financial information with respect to the Company’s reportable business segments for the three and six months ended June 30, 2026 and 2025:
Three Months Ended
June 30, 2026
(dollars in thousands)Banking
Division		Retail
Mortgage
Division		Warehouse
Lending
Division		Premium
 Finance
 Division		Total
Interest income$256,966 $56,591 $21,314 $30,704 $365,575 
Interest expense41,666 40,747 12,489 18,189 113,091 
Net interest income215,300 15,844 8,825 12,515 252,484 
Provision for credit losses19,998 (3,346)184 417 17,253 
Noninterest income40,569 32,151 794 18 73,532 
Noninterest expense
Salaries and employee benefits66,668 21,493 468 2,865 91,494 
Occupancy and equipment11,823 685 7 40 12,555 
Data processing and communications expenses14,041 1,302 59 169 15,571 
Other expenses(1)
110,933 11,587 184 390 123,094 
Total noninterest expense203,465 35,067 718 3,464 242,714 
Income before income tax expense32,406 16,274 8,717 8,652 66,049 
Income tax expense7,538 3,417 1,831 1,817 14,603 
Net income$24,868 $12,857 $6,886 $6,835 $51,446 
Total assets$20,587,632 $4,508,490 $1,367,630 $2,025,091 $28,488,843 
Goodwill951,148 — — 64,498 1,015,646 
Other intangible assets, net48,317 — — — 48,317 
Three Months Ended
June 30, 2025
(dollars in thousands)Banking
Division		Retail
Mortgage
Division		Warehouse
Lending
Division		Premium
 Finance
 Division		Total
Interest income$239,211 $61,356 $18,174 $28,897 $347,638 
Interest expense47,710 39,325 11,083 17,707 115,825 
Net interest income191,501 22,031 7,091 11,190 231,813 
Provision for credit losses677 1,010 369 716 2,772 
Noninterest income29,275 37,726 1,893 17 68,911 
Noninterest expense
Salaries and employee benefits62,001 24,358 618 2,331 89,308 
Occupancy and equipment10,547 811 7 36 11,401 
Data processing and communications expenses13,825 1,391 59 91 15,366 
Other expenses(1)
25,478 12,496 96 1,115 39,185 
Total noninterest expense111,851 39,056 780 3,573 155,260 
Income before income tax expense108,248 19,691 7,835 6,918 142,692 
Income tax expense25,667 4,135 1,646 1,410 32,858 
Net income$82,581 $15,556 $6,189 $5,508 $109,834 
Total assets$19,143,429 $4,723,883 $1,114,158 $1,698,683 $26,680,153 
Goodwill951,148 — — 64,498 1,015,646 
Other intangible assets, net60,952 — — 1,630 62,582 
(1) Other expenses for each reportable segment include credit resolution-related expenses, advertising and marketing expenses, amortization of intangible assets, loan servicing expenses, litigation accrual and other miscellaneous expenses.

Six Months Ended
June 30, 2026
(dollars in thousands)Banking
Division		Retail
Mortgage
Division		Warehouse
Lending
Division		Premium
 Finance
 Division		Total
Interest income$506,226 $112,304 $39,159 $59,657 $717,346 
Interest expense82,559 79,632 22,740 35,495 220,426 
Net interest income423,667 32,672 16,419 24,162 496,920 
Provision for credit losses31,851 (272)361 1,864 33,804 
Noninterest income73,360 68,467 1,590 35 143,452 
Noninterest expense
Salaries and employee benefits132,914 43,405 1,012 5,529 182,860 
Occupancy and equipment22,753 1,334 15 78 24,180 
Data processing and communications expenses29,389 2,526 94 355 32,364 
Other expenses(1)
134,831 24,119 363 1,077 160,390 
Total noninterest expense319,887 71,384 1,484 7,039 399,794 
Income before income tax expense145,289 30,027 16,164 15,294 206,774 
Income tax expense31,935 6,305 3,395 3,201 44,836 
Net income$113,354 $23,722 $12,769 $12,093 $161,938 
Six Months Ended
June 30, 2025
(dollars in thousands)Banking
Division		Retail
Mortgage
Division		Warehouse
Lending
Division		Premium
 Finance
 Division		Total
Interest income$472,530 $119,288 $33,374 $56,224 $681,416 
Interest expense96,816 75,413 20,381 35,154 227,764 
Net interest income375,714 43,875 12,993 21,070 453,652 
Provision for credit losses17,097 6,201 194 1,172 24,664 
Noninterest income57,999 72,455 2,447 33 132,934 
Noninterest expense
Salaries and employee benefits124,717 45,353 1,170 4,683 175,923 
Occupancy and equipment20,351 1,640 14 73 22,078 
Data processing and communications expenses27,216 2,688 97 220 30,221 
Other expenses(1)
51,163 24,459 366 2,084 78,072 
Total noninterest expense223,447 74,140 1,647 7,060 306,294 
Income before income tax expense193,169 35,989 13,599 12,871 255,628 
Income tax expense44,821 7,558 2,856 2,624 57,859 
Net income$148,348 $28,431 $10,743 $10,247 $197,769 
(1) Other expenses for each reportable segment include credit resolution-related expenses, advertising and marketing expenses, amortization of intangible assets, loan servicing expenses, litigation accrual and other miscellaneous expenses.