| Schedule of Loan Portfolio by Classes |
Loans held for investment consist of the following loan classes: | | | | | | | | | | | | | (in thousands) | September 30,
2026 | | December 31,
2025 | | Real estate loans | | | | | Commercial real estate | | | | | Nonowner occupied | $ | 1,468,739 | | | $ | 1,591,861 | | | Multi-family residential | 220,001 | | | 322,447 | | | Land development and construction loans | 500,872 | | | 534,028 | | | 2,189,612 | | | 2,448,336 | | | Single-family residential | 2,159,674 | | | 1,515,181 | | | Owner occupied | 710,758 | | | 809,336 | | | 5,060,044 | | | 4,772,853 | | Commercial loans | 1,657,316 | | | 1,446,406 | | | Loans to financial institutions and acceptances | 49,502 | | | 148,602 | | | Consumer loans and overdrafts | 209,999 | | | 245,530 | | Total loans held for investment, gross (1) (2) | $ | 6,976,861 | | | $ | 6,613,391 | |
_________________(1)Excludes accrued interest receivable. (2)Includes international loans for which the country of risk is primarily Venezuela. All international loans are denominated in and payable in U.S. dollars and represent less than 10% of total assets and total loans held for investment at any of the periods shown. Management does not consider these balances to represent a significant concentration of credit risk. | | | | | | | | | | | | | (in thousands) | September 30,
2026 | | December 31, 2025 | Loans held for sale at the lower of cost or fair value | | | | | Real estate loans | | | | | Commercial real estate | | | | | Non-owner occupied | $ | 59,826 | | | $ | 43,406 | | | | | | Land development and construction loans | 23,626 | | | 22,339 | | | 83,452 | | | 65,745 | | | | | | Owner occupied | $ | 12,395 | | | $ | 15,167 | | | | | | | | | | | | | | Total loans held for sale at the lower of cost or fair value (1) | 95,847 | | | 80,912 | | | | | | Mortgage loans held for sale at fair value | | | | | | | | Single-family residential | 737 | | | 2,932 | | | Total Mortgage loans held for sale at fair value | 737 | | | 2,932 | | Total loans held for sale (2) | $ | 96,584 | | | $ | 83,844 | |
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(1) As of September 30, 2026 and December 31, 2025, these loans were rated Pass and Substandard, respectively. (2) Excludes accrued interest receivable.
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| Schedule of Loan Portfolio Delinquencies |
The age analyses of the loan portfolio by class as of September 30, 2026 and December 31, 2025, are summarized in the following tables: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | September 30, 2026 | | Total Loans,
Net of
Unearned
Income | | | | Loans Past Due | | (in thousands) | | Current Loans | | 30-59
Days | | 60-89
Days | | Greater than
90 Days | | Total Past
Due | | Real estate loans | | | | | | | | | | | | | Commercial real estate | | | | | | | | | | | | | Non-owner occupied | $ | 1,468,739 | | | $ | 1,468,260 | | | $ | 116 | | | $ | 100 | | | $ | 263 | | | $ | 479 | | | Multi-family residential | 220,001 | | | 218,986 | | | 638 | | | — | | | 377 | | | 1,015 | | | Land development and construction loans | 500,872 | | | 500,872 | | | — | | | — | | | — | | | — | | | 2,189,612 | | | 2,188,118 | | | 754 | | | 100 | | | 640 | | | 1,494 | | | Single-family residential | 2,159,674 | | | 2,118,678 | | | 27,834 | | | 6,382 | | | 6,780 | | | 40,996 | | | Owner occupied | 710,758 | | | 700,301 | | | 1,274 | | | 3,262 | | | 5,921 | | | 10,457 | | | 5,060,044 | | | 5,007,097 | | | 29,862 | | | 9,744 | | | 13,341 | | | 52,947 | | | Commercial loans | 1,657,316 | | | 1,631,383 | | | 9,209 | | | 646 | | | 16,078 | | | 25,933 | | | Loans to financial institutions and acceptances | 49,502 | | | 49,502 | | | — | | | — | | | — | | | — | | | Consumer loans and overdrafts | 209,999 | | | 209,083 | | | 481 | | | 212 | | | 223 | | | 916 | | | $ | 6,976,861 | | | $ | 6,897,065 | | | $ | 39,552 | | | $ | 10,602 | | | $ | 29,642 | | | $ | 79,796 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | December 31, 2025 | | Total Loans,
Net of
Unearned
Income | | | | Loans Past Due | | (in thousands) | | Current Loans | | 30-59
Days | | 60-89
Days | | Greater than
90 Days | | Total Past
Due | | Real estate loans | | | | | | | | | | | | | Commercial real estate | | | | | | | | | | | | | Nonowner occupied | $ | 1,591,861 | | | $ | 1,589,553 | | | $ | 1,023 | | | $ | — | | | $ | 1,285 | | | $ | 2,308 | | | Multi-family residential | 322,447 | | | 322,447 | | | — | | | — | | | — | | | — | | Land development and construction loans | 534,028 | | | 534,028 | | | — | | | — | | | — | | | — | | | 2,448,336 | | | 2,446,028 | | | 1,023 | | | — | | | 1,285 | | | 2,308 | | | Single-family residential | 1,515,181 | | | 1,502,977 | | | 4,385 | | | 1,239 | | | 6,580 | | | 12,204 | | | Owner occupied | 809,336 | | | 804,236 | | | 1,085 | | | 593 | | | 3,422 | | | 5,100 | | | 4,772,853 | | | 4,753,241 | | | 6,493 | | | 1,832 | | | 11,287 | | | 19,612 | | | Commercial loans | 1,446,406 | | | 1,425,574 | | | 6,210 | | | 2,090 | | | 12,532 | | | 20,832 | | | Loans to financial institutions and acceptances | 148,602 | | | 148,602 | | | — | | | — | | | — | | | — | | | Consumer loans and overdrafts | 245,530 | | | 243,526 | | | 823 | | | 653 | | | 528 | | | 2,004 | | | $ | 6,613,391 | | | $ | 6,570,943 | | | $ | 13,526 | | | $ | 4,575 | | | $ | 24,347 | | | $ | 42,448 | |
The following tables present the amortized cost basis of loans on nonaccrual status and loans past due over 90 days and still accruing as of September 30, 2026 and December 31, 2025: | | | | | | | | | | | | | | | | | | | | | | | | | As of September 30, 2026 | | (in thousands) | Nonaccrual Loans With No Related Allowance | | Nonaccrual Loans With Related Allowance | | Total Nonaccrual Loans | | Loans Past Due Over 90 Days and Still Accruing | | Real estate loans | | | | | | | | | Commercial real estate | | | | | | | | Nonowner occupied | $ | — | | | $ | 4,677 | | | $ | 4,677 | | | $ | — | | | Multi-family residential | — | | | 377 | | | 377 | | | — | | | | | | | | | | | — | | | 5,054 | | | 5,054 | | | — | | | Single-family residential | 15,040 | | | 16,037 | | | 31,077 | | | 179 | | | Owner occupied | 19,011 | | | 5,822 | | | 24,833 | | | 1,220 | | | 34,051 | | | 26,913 | | | 60,964 | | | 1,399 | | | Commercial loans | 48,409 | | | 31,043 | | | 79,452 | | | — | | | | | | | | | | | Consumer loans and overdrafts | 7,663 | | | 4 | | | 7,667 | | | — | | Total | $ | 90,123 | | | $ | 57,960 | | | $ | 148,083 | | | $ | 1,399 | |
| | | | | | | | | | | | | | | | | | | | | | | | | As of December 31, 2025 | | (in thousands) | Nonaccrual Loans With No Related Allowance | | Nonaccrual Loans With Related Allowance | | Total Nonaccrual Loans (1) | | Loans Past Due Over 90 Days and Still Accruing | | Real estate loans | | | | | | | | | Commercial real estate | | | | | | | | | Nonowner occupied | $ | 4,025 | | | $ | 263 | | | $ | 4,288 | | | $ | — | | | | | | | | | | | | | | | | | | | 4,025 | | | 263 | | | 4,288 | | | — | | | Single-family residential | 15,387 | | | 10,695 | | | 26,082 | | | — | | | Owner occupied | 24,931 | | | 3,802 | | | 28,733 | | | 730 | | | 44,343 | | | 14,760 | | | 59,103 | | | 730 | | | Commercial loans | 74,816 | | | 8,945 | | | 83,761 | | | 2,372 | | | | | | | | | | | Consumer loans and overdrafts | 9,204 | | | — | | | 9,204 | | | — | | Total (1) | $ | 128,363 | | | $ | 23,705 | | | $ | 152,068 | | | $ | 3,102 | |
__________________ (1)Excludes land development and construction in nonaccrual status with a carrying value of $16.2 million as of December 31, 2025, which were classified as held for sale carried at the lower of cost or fair value at that date. These loans were sold in January 2026.
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