v3.26.3
LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Allowance for Loan and Lease Losses (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2026
Sep. 30, 2025
Sep. 30, 2026
Sep. 30, 2025
Dec. 31, 2025
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance     $ 36,511    
Credit Loss Expense $ 5,220 $ 4,284 7,349 $ 4,912  
Charge-offs     (7,079)   $ (32,925)
Ending Balance 38,595   38,595   36,511
Loans Held for Investment          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 34,783 38,691 36,511 40,714 40,714
Credit Loss Expense 5,028 4,249 6,895 5,047  
Charge-offs (1,539) (9,690) (7,079) (27,953)  
Recoveries 323 299 2,268 4,961  
Initial ACL on Loans Purchased with Credit Deterioration 0 0 0 10,780  
Ending Balance 38,595 33,549 38,595 33,549 36,511
Commercial real estate          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Charge-offs     (668)   (203)
Commercial real estate | Loans Held for Investment          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 4,244 4,198 4,713 3,825 3,825
Credit Loss Expense 3,749 306 3,900 733  
Charge-offs 0 (36) (668) (157)  
Recoveries 9 4 57 71  
Initial ACL on Loans Purchased with Credit Deterioration 0 0 0 0  
Ending Balance 8,002 4,472 8,002 4,472 4,713
Construction, land development, land          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Charge-offs     0   (250)
Construction, land development, land | Loans Held for Investment          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 2,919 2,589 2,970 2,873 2,873
Credit Loss Expense (231) (415) (283) (450)  
Charge-offs 0 0 0 (250)  
Recoveries 0 46 1 47  
Initial ACL on Loans Purchased with Credit Deterioration 0 0 0 0  
Ending Balance 2,688 2,220 2,688 2,220 2,970
1-4 family residential          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Charge-offs     (86)   (104)
1-4 family residential | Loans Held for Investment          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 2,086 1,560 1,927 1,404 1,404
Credit Loss Expense 828 243 1,033 442  
Charge-offs (12) (58) (86) (104)  
Recoveries 1 23 29 26  
Initial ACL on Loans Purchased with Credit Deterioration 0 0 0 0  
Ending Balance 2,903 1,768 2,903 1,768 1,927
Farmland          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Charge-offs     0   0
Farmland | Loans Held for Investment          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 301 302 298 386 386
Credit Loss Expense 89 (7) 92 (91)  
Charge-offs 0 0 0 0  
Recoveries 0 0 0 0  
Initial ACL on Loans Purchased with Credit Deterioration 0 0 0 0  
Ending Balance 390 295 390 295 298
Commercial          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Charge-offs     (2,562)   (25,146)
Commercial | Loans Held for Investment          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 11,450 17,813 14,947 21,419 21,419
Credit Loss Expense (828) 1,724 (3,453) 2,486  
Charge-offs (329) (5,424) (2,562) (20,927)  
Recoveries 59 18 1,420 373  
Initial ACL on Loans Purchased with Credit Deterioration 0 0 0 10,780  
Ending Balance 10,352 14,131 10,352 14,131 14,947
Factored receivables          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Charge-offs     (3,466)   (6,637)
Factored receivables | Loans Held for Investment          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 12,308 10,553 10,069 9,600 9,600
Credit Loss Expense 1,597 2,310 5,723 1,181  
Charge-offs (1,122) (4,014) (3,466) (6,087)  
Recoveries 237 183 694 4,338  
Initial ACL on Loans Purchased with Credit Deterioration 0 0 0 0  
Ending Balance 13,020 9,032 13,020 9,032 10,069
Consumer          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Charge-offs     (297)   (585)
Consumer | Loans Held for Investment          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 413 466 429 185 185
Credit Loss Expense (197) 114 (42) 584  
Charge-offs (76) (158) (297) (428)  
Recoveries 17 25 67 106  
Initial ACL on Loans Purchased with Credit Deterioration 0 0 0 0  
Ending Balance 157 447 157 447 429
Mortgage warehouse          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Charge-offs     0   0
Mortgage warehouse | Loans Held for Investment          
Financing Receivable, Allowance for Credit Loss [Roll Forward]          
Beginning Balance 1,062 1,210 1,158 1,022 1,022
Credit Loss Expense 21 (26) (75) 162  
Charge-offs 0 0 0 0  
Recoveries 0 0 0 0  
Initial ACL on Loans Purchased with Credit Deterioration 0 0 0 0  
Ending Balance $ 1,083 $ 1,184 $ 1,083 $ 1,184 $ 1,158