COMMITMENTS AND CONTINGENT LIABILITIES (Tables)

6 Months Ended

Jun. 30, 2026

COMMITMENTS AND CONTINGENT LIABILITIES

Schedule of Commitments exclusive of Mortgage Bank Loan Commitments


(in thousands)		June 30, 2026			December 31, 2025

Unused warehouse lines of credit		$	552,804		$	436,909
Unused home equity lines of credit			502,995			487,822
Unused loan commitments - other			1,194,705			1,203,211
Standby letters of credit			13,040			10,385
Total commitments		$	2,263,544		$	2,138,327

Schedule of roll-forward of the ACLC


			ACLC Roll-forward
			Three Months Ended June 30,
			2026															2025
			Beginning						Charge-						Ending			Beginning						Charge-						Ending
(in thousands)			Balance			Provision			offs			Recoveries			Balance			Balance			Provision			offs			Recoveries			Balance

Unused Loan Commitments
Warehouse lines of credit			$	62		$	26		$	—		$	—		$	88		$	105		$	(13)		$	—		$	—		$	92
Home equity lines of credit				223			33			—			—			256			199			(4)			—			—			195
Construction lines of credit				679			—			—			—			679			737			(34)			—			—			703
RCS lines of credit				250			50			—			—			300			190			30			—			—			220
Loan commitments - other				316			(69)			—			—			247			279			11			—			—			290

Total			$	1,530		$	40		$	—		$	—		$	1,570		$	1,510		$	(10)		$	—		$	—		$	1,500


			ACLC Roll-forward
			Six Months Ended June 30,
			2026															2025
			Beginning						Charge-						Ending			Beginning						Charge-						Ending
(in thousands)			Balance			Provision			offs			Recoveries			Balance			Balance			Provision			offs			Recoveries			Balance

Unused Loan Commitments
Warehouse lines of credit			$	73		$	15		$	—		$	—		$	88		$	79		$	13		$	—		$	—		$	92
Home equity lines of credit				189			67			—			—			256			183			12			—			—			195
Construction lines of credit				585			94			—			—			679			677			26			—			—			703
RCS lines of credit				230			70			—			—			300			300			(80)			—			—			220
Loan commitments - other				373			(126)			—			—			247			251			39			—			—			290

Total			$	1,450		$	120		$	—		$	—		$	1,570		$	1,490		$	10		$	—		$	—		$	1,500