v3.26.3
Loans and Allowance for Credit Losses on Loans - Credit Quality (Details) - USD ($)
$ in Thousands
9 Months Ended
Sep. 30, 2026
Dec. 31, 2025
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 $ 1,134,484 $ 1,587,924
2025 / 2024 1,252,150 939,988
2024 / 2023 773,152 658,553
2023 / 2022 488,473 697,290
2022 / 2021 581,679 484,390
Prior 529,357 386,205
Revolving Loans 478,013 497,656
Revolving Loans Converted To Term Loans 749 125
Total Loans 5,238,057 5,252,131
Minimum    
The gross charge-offs activity by loan type and year of origination    
Loan commitment for inclusion in credit quality analysis 50,000  
Pass    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 1,134,484 1,587,451
2025 / 2024 1,243,712 929,123
2024 / 2023 751,029 613,766
2023 / 2022 479,199 666,537
2022 / 2021 560,740 460,587
Prior 510,722 364,370
Revolving Loans 458,784 466,226
Revolving Loans Converted To Term Loans 749 125
Total Loans 5,139,419 5,088,185
Special Mention    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025   82
2025 / 2024 6,130  
2024 / 2023 6,149 535
2023 / 2022 1,678 4,017
2022 / 2021 1,110 2,317
Prior 923 3,979
Revolving Loans 8,400 2,917
Total Loans 24,390 13,847
Substandard    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025   391
2025 / 2024 2,308 10,865
2024 / 2023 12,048 44,252
2023 / 2022 7,596 26,736
2022 / 2021 19,829 21,486
Prior 17,712 17,856
Revolving Loans 10,829 28,513
Total Loans 70,322 150,099
Doubtful    
The gross charge-offs activity by loan type and year of origination    
2024 / 2023 3,926  
Total Loans 3,926  
Non-risk related loans    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 370,559 450,306
2025 / 2024 327,182 225,782
2024 / 2023 144,830 161,463
2023 / 2022 105,761 144,103
2022 / 2021 107,184 49,677
Prior 116,930 99,066
Revolving Loans 238,252 229,411
Total Loans 1,410,698 1,359,808
Non-risk related loans | Performing    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 370,201 449,603
2025 / 2024 326,431 225,052
2024 / 2023 144,154 160,615
2023 / 2022 105,071 143,353
2022 / 2021 106,394 49,298
Prior 114,475 97,338
Revolving Loans 236,425 228,410
Total Loans 1,403,151 1,353,669
Non-risk related loans | Nonperforming    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 358 703
2025 / 2024 751 730
2024 / 2023 676 848
2023 / 2022 690 750
2022 / 2021 790 379
Prior 2,455 1,728
Revolving Loans 1,827 1,001
Total Loans 7,547 6,139
Commercial    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 153,732 275,386
2025 / 2024 166,491 162,455
2024 / 2023 202,763 113,728
2023 / 2022 100,917 26,666
2022 / 2021 14,056 8,990
Prior 13,188 9,730
Revolving Loans 216,215 245,050
Revolving Loans Converted To Term Loans   125
Total Loans 867,362 842,130
Commercial | Pass    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 153,732 275,155
2025 / 2024 166,397 161,529
2024 / 2023 201,949 94,487
2023 / 2022 96,767 22,843
2022 / 2021 14,056 8,699
Prior 13,111 9,730
Revolving Loans 198,988 214,846
Revolving Loans Converted To Term Loans   125
Total Loans 845,000 787,414
Commercial | Special Mention    
The gross charge-offs activity by loan type and year of origination    
2024 / 2023 772  
2023 / 2022   212
Revolving Loans 8,400 2,917
Total Loans 9,172 3,129
Commercial | Substandard    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025   231
2025 / 2024 94 926
2024 / 2023 42 19,241
2023 / 2022 4,150 3,611
2022 / 2021   291
Prior 77  
Revolving Loans 8,827 27,287
Total Loans 13,190 51,587
Commercial | Doubtful    
The gross charge-offs activity by loan type and year of origination    
2024 / 2023 3,926  
Total Loans 3,926  
Real estate - residential loans    
The gross charge-offs activity by loan type and year of origination    
Mortgage loans in process of foreclosure 2,500 379
Leases    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 174,359 247,515
2025 / 2024 188,896 173,039
2024 / 2023 118,931 85,376
2023 / 2022 51,044 30,001
2022 / 2021 13,793 10,287
Prior 7,347 2,038
Total Loans 554,370 548,256
Leases | Pass    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 174,359 247,515
2025 / 2024 188,896 172,825
2024 / 2023 118,836 84,533
2023 / 2022 50,188 27,993
2022 / 2021 13,015 10,164
Prior 7,347 2,038
Total Loans 552,641 545,068
Leases | Special Mention    
The gross charge-offs activity by loan type and year of origination    
2024 / 2023   374
2023 / 2022   263
2022 / 2021   123
Total Loans   760
Leases | Substandard    
The gross charge-offs activity by loan type and year of origination    
2025 / 2024   214
2024 / 2023 95 469
2023 / 2022 856 1,745
2022 / 2021 778  
Total Loans 1,729 2,428
Commercial real estate - Investor    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 166,617 296,301
2025 / 2024 244,057 227,464
2024 / 2023 188,917 122,307
2023 / 2022 102,961 257,391
2022 / 2021 255,890 200,034
Prior 166,184 102,516
Revolving Loans 7,231 6,371
Total Loans 1,131,857 1,212,384
Commercial real estate - Investor | Pass    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 166,617 296,219
2025 / 2024 243,690 217,761
2024 / 2023 175,150 120,630
2023 / 2022 102,860 255,701
2022 / 2021 251,616 199,993
Prior 164,186 99,144
Revolving Loans 7,231 6,371
Total Loans 1,111,350 1,195,819
Commercial real estate - Investor | Special Mention    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025   82
2025 / 2024 367  
2024 / 2023 5,377  
2022 / 2021 1,110 41
Prior 923 2,197
Total Loans 7,777 2,320
Commercial real estate - Investor | Substandard    
The gross charge-offs activity by loan type and year of origination    
2025 / 2024   9,703
2024 / 2023 4,464 1,677
2023 / 2022 101 1,690
2022 / 2021 3,164  
Prior 1,075 1,175
Total Loans 8,804 14,245
Commercial real estate - Owner occupied    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 167,753 194,046
2025 / 2024 182,800 76,480
2024 / 2023 59,998 88,839
2023 / 2022 64,904 89,208
2022 / 2021 56,080 128,512
Prior 137,350 119,173
Revolving Loans 14,535 10,309
Revolving Loans Converted To Term Loans 749  
Total Loans 684,169 706,567
Commercial real estate - Owner occupied | Pass    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 167,753 193,988
2025 / 2024 174,933 76,480
2024 / 2023 54,598 67,749
2023 / 2022 61,893 76,670
2022 / 2021 51,501 106,107
Prior 124,220 103,545
Revolving Loans 14,535 10,309
Revolving Loans Converted To Term Loans 749  
Total Loans 650,182 634,848
Commercial real estate - Owner occupied | Special Mention    
The gross charge-offs activity by loan type and year of origination    
2025 / 2024 5,763  
2024 / 2023   161
2023 / 2022 1,678 3,542
2022 / 2021   2,153
Prior   1,782
Total Loans 7,441 7,638
Commercial real estate - Owner occupied | Substandard    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025   58
2025 / 2024 2,104  
2024 / 2023 5,400 20,929
2023 / 2022 1,333 8,996
2022 / 2021 4,579 20,252
Prior 13,130 13,846
Total Loans 26,546 64,081
Commercial real estate - Owner occupied | Non-risk related loans    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025   42,941
2025 / 2024   11,580
2024 / 2023   25,745
2023 / 2022   36,028
2022 / 2021   30,406
Prior   82,525
Revolving Loans   1,207
Total Loans   230,432
Commercial real estate - Owner occupied | Non-risk related loans | Performing    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025   42,941
2025 / 2024   11,580
2024 / 2023   25,594
2023 / 2022   35,826
2022 / 2021   30,264
Prior   81,168
Revolving Loans   1,207
Total Loans   228,580
Commercial real estate - Owner occupied | Non-risk related loans | Nonperforming    
The gross charge-offs activity by loan type and year of origination    
2024 / 2023   151
2023 / 2022   202
2022 / 2021   142
Prior   1,357
Total Loans   1,852
Construction    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 11,964 53,624
2025 / 2024 81,405 48,906
2024 / 2023 27,264 32,575
2023 / 2022 1,360 37,026
2022 / 2021 30,943 332
Prior 555 1,167
Total Loans 153,491 173,630
Construction | Pass    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 11,964 53,522
2025 / 2024 81,304 48,906
2024 / 2023 25,328 31,121
2023 / 2022 475 27,500
2022 / 2021 21,013 332
Prior 541 828
Total Loans 140,625 162,209
Construction | Substandard    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025   102
2025 / 2024 101  
2024 / 2023 1,936 1,454
2023 / 2022 885 9,526
2022 / 2021 9,930  
Prior 14 339
Total Loans 12,866 11,421
Residential real estate - Investor    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 12,210 13,993
2025 / 2024 7,466 5,729
2024 / 2023 5,314 3,677
2023 / 2022 2,816 15,256
2022 / 2021 12,652 15,749
Prior 23,636 11,424
Revolving Loans 1,585 4,397
Total Loans 65,679 70,225
Residential real estate - Investor | Pass    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 12,210 13,993
2025 / 2024 7,466 5,729
2024 / 2023 5,314 3,677
2023 / 2022 2,816 15,256
2022 / 2021 12,652 15,288
Prior 22,606 10,743
Revolving Loans 1,585 4,397
Total Loans 64,649 69,083
Residential real estate - Investor | Substandard    
The gross charge-offs activity by loan type and year of origination    
2022 / 2021   461
Prior 1,030 681
Total Loans 1,030 1,142
Residential real estate - Owner occupied    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 38,973 42,941
2025 / 2024 40,981 11,580
2024 / 2023 9,626 25,745
2023 / 2022 23,206 36,028
2022 / 2021 34,560 30,406
Prior 98,990 82,525
Revolving Loans 1,179 1,207
Total Loans 247,515 230,432
Residential real estate - Owner occupied | Pass    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 38,973 42,941
2025 / 2024 40,981 11,580
2024 / 2023 9,626 25,594
2023 / 2022 23,066 35,826
2022 / 2021 34,207 30,264
Prior 97,234 81,123
Revolving Loans 1,179 1,207
Total Loans 245,266 228,535
Residential real estate - Owner occupied | Substandard    
The gross charge-offs activity by loan type and year of origination    
2024 / 2023   151
2023 / 2022 140 202
2022 / 2021 353 142
Prior 1,756 1,402
Total Loans 2,249 1,897
Residential real estate - Owner occupied | Non-risk related loans    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 38,973  
2025 / 2024 40,981  
2024 / 2023 9,626  
2023 / 2022 23,206  
2022 / 2021 34,560  
Prior 98,990  
Revolving Loans 1,179  
Total Loans 247,515  
Residential real estate - Owner occupied | Non-risk related loans | Performing    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 38,973  
2025 / 2024 40,981  
2024 / 2023 9,626  
2023 / 2022 23,066  
2022 / 2021 34,207  
Prior 97,024  
Revolving Loans 1,179  
Total Loans 245,056  
Residential real estate - Owner occupied | Non-risk related loans | Nonperforming    
The gross charge-offs activity by loan type and year of origination    
2023 / 2022 140  
2022 / 2021 353  
Prior 1,966  
Total Loans 2,459  
Multifamily    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 77,290 56,753
2025 / 2024 53,853 20,133
2024 / 2023 25,135 50,588
2023 / 2022 58,710 97,639
2022 / 2021 91,081 70,809
Prior 64,167 41,091
Revolving Loans 195 2,118
Total Loans 370,431 339,131
Multifamily | Pass    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 77,290 56,753
2025 / 2024 53,853 20,133
2024 / 2023 25,135 50,464
2023 / 2022 58,710 96,747
2022 / 2021 90,138 70,496
Prior 63,856 40,926
Revolving Loans 195 2,118
Total Loans 369,177 337,637
Multifamily | Substandard    
The gross charge-offs activity by loan type and year of origination    
2024 / 2023   124
2023 / 2022   892
2022 / 2021 943 313
Prior 311 165
Total Loans 1,254 1,494
HELOC    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 3,602 2,888
2025 / 2024 2,330 2,192
2024 / 2023 1,719 1,700
2023 / 2022 1,379 1,646
2022 / 2021 1,338 278
Prior 4,425 4,720
Revolving Loans 231,145 221,869
Total Loans 245,938 235,293
HELOC | Pass    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 3,602 2,888
2025 / 2024 2,330 2,192
2024 / 2023 1,659 1,700
2023 / 2022 1,379 1,646
2022 / 2021 1,338 278
Prior 4,132 4,480
Revolving Loans 229,143 220,643
Total Loans 243,583 233,827
HELOC | Substandard    
The gross charge-offs activity by loan type and year of origination    
2024 / 2023 60  
Prior 293 240
Revolving Loans 2,002 1,226
Total Loans 2,355 1,466
HELOC | Non-risk related loans    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 3,602 2,888
2025 / 2024 2,330 2,192
2024 / 2023 1,719 1,700
2023 / 2022 1,379 1,646
2022 / 2021 1,338 278
Prior 4,425 4,720
Revolving Loans 231,145 221,869
Total Loans 245,938 235,293
HELOC | Non-risk related loans | Performing    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 3,602 2,888
2025 / 2024 2,330 2,192
2024 / 2023 1,659 1,700
2023 / 2022 1,379 1,646
2022 / 2021 1,338 278
Prior 4,152 4,499
Revolving Loans 229,318 220,868
Total Loans 243,778 234,071
HELOC | Non-risk related loans | Nonperforming    
The gross charge-offs activity by loan type and year of origination    
2024 / 2023 60  
Prior 273 221
Revolving Loans 1,827 1,001
Total Loans 2,160 1,222
Powersport    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 255,043 323,072
2025 / 2024 221,445 180,121
2024 / 2023 110,176 114,256
2023 / 2022 66,166 57,740
2022 / 2021 28,547 17,237
Prior 7,852 4,533
Total Loans 689,229 696,959
Powersport | Pass    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 255,043 323,072
2025 / 2024 221,436 180,099
2024 / 2023 110,125 114,212
2023 / 2022 66,120 57,740
2022 / 2021 28,533 17,237
Prior 7,827 4,531
Total Loans 689,084 696,891
Powersport | Substandard    
The gross charge-offs activity by loan type and year of origination    
2025 / 2024 9 22
2024 / 2023 51 44
2023 / 2022 46  
2022 / 2021 14  
Prior 25 2
Total Loans 145 68
Powersport | Non-risk related loans    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 255,043 323,072
2025 / 2024 221,445 180,121
2024 / 2023 110,176 114,256
2023 / 2022 66,166 57,740
2022 / 2021 28,547 17,237
Prior 7,852 4,533
Total Loans 689,229 696,959
Powersport | Non-risk related loans | Performing    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 254,709 322,369
2025 / 2024 220,694 179,391
2024 / 2023 109,561 113,725
2023 / 2022 65,695 57,266
2022 / 2021 28,178 17,026
Prior 7,664 4,404
Total Loans 686,501 694,181
Powersport | Non-risk related loans | Nonperforming    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 334 703
2025 / 2024 751 730
2024 / 2023 615 531
2023 / 2022 471 474
2022 / 2021 369 211
Prior 188 129
Total Loans 2,728 2,778
Other    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 72,941 81,405
2025 / 2024 62,426 31,889
2024 / 2023 23,309 19,762
2023 / 2022 15,010 48,689
2022 / 2021 42,739 1,756
Prior 5,663 7,288
Revolving Loans 5,928 6,335
Total Loans 228,016 197,124
Other | Pass    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 72,941 81,405
2025 / 2024 62,426 31,889
2024 / 2023 23,309 19,599
2023 / 2022 14,925 48,615
2022 / 2021 42,671 1,729
Prior 5,662 7,282
Revolving Loans 5,928 6,335
Total Loans 227,862 196,854
Other | Substandard    
The gross charge-offs activity by loan type and year of origination    
2024 / 2023   163
2023 / 2022 85 74
2022 / 2021 68 27
Prior 1 6
Total Loans 154 270
Other | Non-risk related loans    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 72,941 81,405
2025 / 2024 62,426 31,889
2024 / 2023 23,309 19,762
2023 / 2022 15,010 48,689
2022 / 2021 42,739 1,756
Prior 5,663 7,288
Revolving Loans 5,928 6,335
Total Loans 228,016 197,124
Other | Non-risk related loans | Performing    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 72,917 81,405
2025 / 2024 62,426 31,889
2024 / 2023 23,308 19,596
2023 / 2022 14,931 48,615
2022 / 2021 42,671 1,730
Prior 5,635 7,267
Revolving Loans 5,928 6,335
Total Loans 227,816 196,837
Other | Non-risk related loans | Nonperforming    
The gross charge-offs activity by loan type and year of origination    
2026 / 2025 24  
2024 / 2023 1 166
2023 / 2022 79 74
2022 / 2021 68 26
Prior 28 21
Total Loans $ 200 $ 287