v3.26.3
Loans Held for Investment - Internal Risk Grades (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2026
Sep. 30, 2025
Sep. 30, 2026
Sep. 30, 2025
Dec. 31, 2025
Internal risk grades of non-covered loans          
2026 $ 1,885,564   $ 1,885,564    
2025 1,817,334   1,817,334    
2024 779,947   779,947    
2023 489,874   489,874    
2022 898,514   898,514    
2021 and Prior 1,564,691   1,564,691    
Revolving 660,514   660,514    
Loans Converted To Term Loans 64,769   64,769    
Total loans with credit quality measures 8,161,207   8,161,207    
Loan Charge-offs 1,700 $ 500 9,880 $ 6,024  
Total 8,807,076   8,807,076   $ 8,311,952
Commercial real estate | Non-owner occupied          
Internal risk grades of non-covered loans          
Loan Charge-offs       918  
Total 2,284,984   2,284,984   2,121,087
Commercial real estate | Non-owner occupied | Internal Grade 1-3 (Pass low risk)          
Internal risk grades of non-covered loans          
2026 65,918   65,918    
2025 52,607   52,607    
2024 734   734    
2023 3,020   3,020    
2022 12,915   12,915    
2021 and Prior 32,235   32,235    
Revolving 906   906    
Total loans with credit quality measures 168,335   168,335    
Commercial real estate | Non-owner occupied | Internal Grade 4-7 (Pass normal risk)          
Internal risk grades of non-covered loans          
2026 353,302   353,302    
2025 341,411   341,411    
2024 208,220   208,220    
2023 81,439   81,439    
2022 145,768   145,768    
2021 and Prior 176,702   176,702    
Revolving 13,921   13,921    
Loans Converted To Term Loans 2,303   2,303    
Total loans with credit quality measures 1,323,066   1,323,066    
Commercial real estate | Non-owner occupied | Internal Grade 8-11 (Pass high risk and watch)          
Internal risk grades of non-covered loans          
2026 176,498   176,498    
2025 202,605   202,605    
2024 52,289   52,289    
2023 132,341   132,341    
2022 73,417   73,417    
2021 and Prior 69,601   69,601    
Revolving 2,094   2,094    
Total loans with credit quality measures 708,845   708,845    
Commercial real estate | Non-owner occupied | Internal Grade 12 (Special mention          
Internal risk grades of non-covered loans          
2022 3,717   3,717    
Total loans with credit quality measures 3,717   3,717    
Commercial real estate | Non-owner occupied | Internal Grade 13 (Substandard accrual)          
Internal risk grades of non-covered loans          
2026 6,847   6,847    
2025 4,845   4,845    
2024 2,587   2,587    
2022 21,421   21,421    
2021 and Prior 33,270   33,270    
Total loans with credit quality measures 68,970   68,970    
Commercial real estate | Non-owner occupied | Internal Grade 14 (Substandard non-accrual)          
Internal risk grades of non-covered loans          
2025 637   637    
2022 9,973   9,973    
2021 and Prior 1,441   1,441    
Total loans with credit quality measures 12,051   12,051    
Commercial real estate | Owner occupied          
Internal risk grades of non-covered loans          
Total 1,574,656   1,574,656   1,533,173
Commercial real estate | Owner occupied | Internal Grade 1-3 (Pass low risk)          
Internal risk grades of non-covered loans          
2026 3,329   3,329    
2025 34,898   34,898    
2024 17,717   17,717    
2023 10,889   10,889    
2022 5,289   5,289    
2021 and Prior 30,852   30,852    
Revolving 9,777   9,777    
Loans Converted To Term Loans 9,413   9,413    
Total loans with credit quality measures 122,164   122,164    
Commercial real estate | Owner occupied | Internal Grade 4-7 (Pass normal risk)          
Internal risk grades of non-covered loans          
2026 140,433   140,433    
2025 178,080   178,080    
2024 105,540   105,540    
2023 80,710   80,710    
2022 82,685   82,685    
2021 and Prior 279,135   279,135    
Revolving 10,165   10,165    
Loans Converted To Term Loans 12,676   12,676    
Total loans with credit quality measures 889,424   889,424    
Commercial real estate | Owner occupied | Internal Grade 8-11 (Pass high risk and watch)          
Internal risk grades of non-covered loans          
2026 101,078   101,078    
2025 123,142   123,142    
2024 41,543   41,543    
2023 30,001   30,001    
2022 79,999   79,999    
2021 and Prior 108,480   108,480    
Revolving 18,106   18,106    
Loans Converted To Term Loans 490   490    
Total loans with credit quality measures 502,839   502,839    
Commercial real estate | Owner occupied | Internal Grade 13 (Substandard accrual)          
Internal risk grades of non-covered loans          
2026 5,829   5,829    
2025 11,408   11,408    
2024 6,302   6,302    
2023 10,940   10,940    
2022 1,937   1,937    
2021 and Prior 10,591   10,591    
Loans Converted To Term Loans 34   34    
Total loans with credit quality measures 47,041   47,041    
Commercial real estate | Owner occupied | Internal Grade 14 (Substandard non-accrual)          
Internal risk grades of non-covered loans          
2026 274   274    
2025 3,908   3,908    
2024 1,381   1,381    
2023 1,442   1,442    
2022 486   486    
2021 and Prior 5,697   5,697    
Total loans with credit quality measures 13,188   13,188    
Commercial and industrial          
Internal risk grades of non-covered loans          
Current period gross charge-offs, 2026     172    
Current period gross charge-offs, 2025     133    
Current period gross charge-offs,2024     1,454    
Current period gross charge-offs, 2023     3,580    
Current period gross charge-offs, 2022     1,130    
Current period gross charge-offs, 2021 and prior     449    
Current period gross charge-offs, Revolving     1,496    
Current period gross charge-offs, Loans Converted To Term Loans     850    
Loan Charge-offs 1,602 432 9,264 4,607  
Total 1,605,810   1,605,810   1,526,467
Commercial and industrial | Internal Grade 1-3 (Pass low risk)          
Internal risk grades of non-covered loans          
2026 29,934   29,934    
2025 6,313   6,313    
2024 19,843   19,843    
2023 1,630   1,630    
2022 4,581   4,581    
2021 and Prior 5,829   5,829    
Revolving 33,994   33,994    
Total loans with credit quality measures 102,124   102,124    
Commercial and industrial | Internal Grade 4-7 (Pass normal risk)          
Internal risk grades of non-covered loans          
2026 163,081   163,081    
2025 58,328   58,328    
2024 53,903   53,903    
2023 4,112   4,112    
2022 32,784   32,784    
2021 and Prior 62,632   62,632    
Revolving 313,885   313,885    
Loans Converted To Term Loans 7,942   7,942    
Total loans with credit quality measures 696,667   696,667    
Commercial and industrial | Internal Grade 8-11 (Pass high risk and watch)          
Internal risk grades of non-covered loans          
2026 75,365   75,365    
2025 92,760   92,760    
2024 50,895   50,895    
2023 25,580   25,580    
2022 21,498   21,498    
2021 and Prior 19,295   19,295    
Revolving 196,231   196,231    
Loans Converted To Term Loans 7,194   7,194    
Total loans with credit quality measures 488,818   488,818    
Commercial and industrial | Internal Grade 12 (Special mention          
Internal risk grades of non-covered loans          
Revolving 8,000   8,000    
Total loans with credit quality measures 8,000   8,000    
Commercial and industrial | Internal Grade 13 (Substandard accrual)          
Internal risk grades of non-covered loans          
2026 704   704    
2025 1,629   1,629    
2024 3,346   3,346    
2023 326   326    
2022 2,134   2,134    
2021 and Prior 2,494   2,494    
Revolving 22,502   22,502    
Loans Converted To Term Loans 10,223   10,223    
Total loans with credit quality measures 43,358   43,358    
Commercial and industrial | Internal Grade 14 (Substandard non-accrual)          
Internal risk grades of non-covered loans          
2026 805   805    
2025 178   178    
2024 867   867    
2023 796   796    
2022 925   925    
2021 and Prior 215   215    
Revolving 456   456    
Loans Converted To Term Loans 7,080   7,080    
Total loans with credit quality measures 11,322   11,322    
Commercial and industrial | Mortgage warehouse lending          
Internal risk grades of non-covered loans          
Loans without credit quality measures 255,521   255,521    
Construction and land development          
Internal risk grades of non-covered loans          
Current period gross charge-offs,2024     137    
Loan Charge-offs   5 137 274  
Total 972,122   972,122   894,011
Construction and land development | FICO Score, Less than 620          
Internal risk grades of non-covered loans          
2025 12   12    
Total loans with credit quality measures 12   12    
Construction and land development | FICO Score, 620 to 720          
Internal risk grades of non-covered loans          
2026 1,717   1,717    
2021 and Prior 716   716    
Total loans with credit quality measures 2,433   2,433    
Construction and land development | FICO Score, Greater than 720          
Internal risk grades of non-covered loans          
2026 10,148   10,148    
2025 1,059   1,059    
Total loans with credit quality measures 11,207   11,207    
Construction and land development | Internal Grade 1-3 (Pass low risk)          
Internal risk grades of non-covered loans          
2026 18,181   18,181    
2025 11,391   11,391    
2022 963   963    
2021 and Prior 1,262   1,262    
Total loans with credit quality measures 31,797   31,797    
Construction and land development | Internal Grade 4-7 (Pass normal risk)          
Internal risk grades of non-covered loans          
2026 203,812   203,812    
2025 260,814   260,814    
2024 57,944   57,944    
2023 5,071   5,071    
2022 9,975   9,975    
2021 and Prior 7,255   7,255    
Revolving 6,467   6,467    
Loans Converted To Term Loans 3,502   3,502    
Total loans with credit quality measures 554,840   554,840    
Construction and land development | Internal Grade 8-11 (Pass high risk and watch)          
Internal risk grades of non-covered loans          
2026 169,991   169,991    
2025 151,436   151,436    
2024 11,379   11,379    
2023 1,833   1,833    
2022 1,844   1,844    
2021 and Prior 3,726   3,726    
Revolving 4,482   4,482    
Loans Converted To Term Loans 1,103   1,103    
Total loans with credit quality measures 345,794   345,794    
Construction and land development | Internal Grade 13 (Substandard accrual)          
Internal risk grades of non-covered loans          
2026 18,553   18,553    
2025 5,104   5,104    
2024 241   241    
2021 and Prior 71   71    
Total loans with credit quality measures 23,969   23,969    
Construction and land development | Internal Grade 14 (Substandard non-accrual)          
Internal risk grades of non-covered loans          
2026 976   976    
2025 792   792    
2024 148   148    
2022 114   114    
2021 and Prior 40   40    
Total loans with credit quality measures 2,070   2,070    
1-4 family residential          
Internal risk grades of non-covered loans          
Current period gross charge-offs,2024     8    
Current period gross charge-offs, 2023     74    
Current period gross charge-offs, 2021 and prior     155    
Loan Charge-offs   1 237 1  
Total 1,951,905   1,951,905   1,861,654
1-4 family residential | FICO Score, Less than 620          
Internal risk grades of non-covered loans          
2026 24,610   24,610    
2025 673   673    
2024 448   448    
2023 575   575    
2022 1,076   1,076    
2021 and Prior 14,250   14,250    
Revolving 244   244    
Total loans with credit quality measures 41,876   41,876    
1-4 family residential | FICO Score, 620 to 720          
Internal risk grades of non-covered loans          
2026 19,956   19,956    
2025 34,678   34,678    
2024 14,723   14,723    
2023 5,419   5,419    
2022 11,267   11,267    
2021 and Prior 30,484   30,484    
Revolving 1,290   1,290    
Loans Converted To Term Loans 1,208   1,208    
Total loans with credit quality measures 119,025   119,025    
1-4 family residential | FICO Score, Greater than 720          
Internal risk grades of non-covered loans          
2026 267,880   267,880    
2025 199,849   199,849    
2024 123,841   123,841    
2023 85,706   85,706    
2022 367,953   367,953    
2021 and Prior 658,370   658,370    
Revolving 3,075   3,075    
Loans Converted To Term Loans 1,413   1,413    
Total loans with credit quality measures 1,708,087   1,708,087    
1-4 family residential | Substandard non-accrual          
Internal risk grades of non-covered loans          
2025 996   996    
2024 18   18    
2022 1,463   1,463    
2021 and Prior 6,142   6,142    
Total loans with credit quality measures 8,619   8,619    
1-4 family residential | Other          
Internal risk grades of non-covered loans          
2026 13,789   13,789    
2025 32,985   32,985    
2024 4,355   4,355    
2023 7,290   7,290    
2022 3,558   3,558    
2021 and Prior 3,803   3,803    
Revolving 8,352   8,352    
Loans Converted To Term Loans 166   166    
Total loans with credit quality measures 74,298   74,298    
Consumer          
Internal risk grades of non-covered loans          
Current period gross charge-offs, 2026     55    
Current period gross charge-offs, 2025     61    
Current period gross charge-offs,2024     29    
Current period gross charge-offs, 2023     20    
Current period gross charge-offs, 2021 and prior     69    
Current period gross charge-offs, Revolving     7    
Current period gross charge-offs, Loans Converted To Term Loans     1    
Loan Charge-offs 98 $ 62 242 $ 224  
Total 27,251   27,251   31,027
Consumer | FICO Score, Less than 620          
Internal risk grades of non-covered loans          
2026 899   899    
2025 256   256    
2024 71   71    
2023 50   50    
2022 8   8    
2021 and Prior 4   4    
Revolving 328   328    
Loans Converted To Term Loans 6   6    
Total loans with credit quality measures 1,622   1,622    
Consumer | FICO Score, 620 to 720          
Internal risk grades of non-covered loans          
2026 3,198   3,198    
2025 1,366   1,366    
2024 341   341    
2023 259   259    
2022 108   108    
2021 and Prior 17   17    
Revolving 2,418   2,418    
Loans Converted To Term Loans 16   16    
Total loans with credit quality measures 7,723   7,723    
Consumer | FICO Score, Greater than 720          
Internal risk grades of non-covered loans          
2026 3,045   3,045    
2025 1,050   1,050    
2024 943   943    
2023 378   378    
2022 625   625    
2021 and Prior 82   82    
Revolving 3,353   3,353    
Total loans with credit quality measures 9,476   9,476    
Consumer | Other          
Internal risk grades of non-covered loans          
2026 5,400   5,400    
2025 2,136   2,136    
2024 328   328    
2023 67   67    
2022 31   31    
Revolving 468   468    
Total loans with credit quality measures 8,430   8,430    
Broker-dealer          
Internal risk grades of non-covered loans          
Loans without credit quality measures 390,348   390,348    
Total $ 390,348   $ 390,348   $ 344,533