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Allowance for Credit Losses (ACL) - Disaggregated analysis of the changes in allowance for credit losses (Details) - USD ($) $ in Thousands |  | 3 Months Ended | 6 Months Ended | 12 Months Ended
--- | --- | --- | --- | ---
Jan. 01, 2025 | Jun. 30, 2025 | Mar. 31, 2025 | Jun. 30, 2024 | Jun. 30, 2025 | Jun. 30, 2024 | Dec. 31, 2024
Allowance for credit losses |  |  |  |  |  |  |
Balance at beginning of period | $ 465,280 | $ 623,690 | $ 465,280 | $ 469,654 | $ 465,280 | $ 456,573 | $ 456,573
Allowance Adjustment - FMV for Independent merger |  | 16,798 |  |  | 135,441 |  |
Independent Day 1 Loan Charge-offs PCD |  | (17,259) |  |  | (56,688) |  |
Charge-offs |  | (11,965) |  |  | (19,387) |  |
Charge-offs |  |  |  | (8,590) | (76,075) | (16,530) | (35,070)
Recoveries |  | 4,718 |  | 4,365 | 7,700 | 9,626 |
Net (charge-offs) recoveries |  | (24,506) |  | (4,225) | (68,375) | (6,904) |
Provision (recovery) |  | 5,064 |  | 6,869 | 8,729 | 22,629 |
Balance at end of period |  | 621,046 | 623,690 | 472,298 | 621,046 | 472,298 | 465,280
Independent |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Allowance Adjustment - FMV for Independent merger | 135,441 |  |  |  |  |  |
Initial Allowance for Non PCD loans acquired during period |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Balance at end of period |  | 79,971 |  |  | 79,971 |  |
Consumer loans |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Charge-offs |  |  |  |  | (7,508) |  | (10,298)
Unfunded Commitment |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Provision (recovery) of credit losses |  | 2,400 |  | (3,000) | 19,400 | (6,100) |
Unfunded Commitment | Independent |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Provision (recovery) of credit losses |  |  | 12,100 |  |  |  |
Residential Mortgage Sr. |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Balance at beginning of period | 42,687 | 54,326 | 42,687 | 87,484 | 42,687 | 78,052 | 78,052
Allowance Adjustment - FMV for Independent merger |  |  |  |  | 1,852 |  |
Independent Day 1 Loan Charge-offs PCD |  |  |  |  | (61) |  |
Charge-offs |  | (385) |  |  | (892) |  |
Charge-offs |  |  |  | (36) |  | (379) |
Recoveries |  | 194 |  | 92 | 394 | 215 |
Net (charge-offs) recoveries |  | (191) |  | 56 | (559) | (164) |
Provision (recovery) |  | 69 |  | (27,988) | 1,314 | (18,336) |
Balance at end of period |  | 54,204 | 54,326 | 59,552 | 54,204 | 59,552 | 42,687
Residential Mortgage Sr. | Initial Allowance for Non PCD loans acquired during period |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Balance at end of period |  | 8,910 |  |  | 8,910 |  |
Residential Mortgage Jr. |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Balance at beginning of period | 432 | 793 | 432 | 1,230 | 432 | 745 | 745
Charge-offs |  | (1) |  |  | (14) |  |
Recoveries |  | 65 |  | 50 | 89 | 89 |
Net (charge-offs) recoveries |  | 64 |  | 50 | 75 | 89 |
Provision (recovery) |  | 11 |  | (852) | 276 | (406) |
Balance at end of period |  | 868 | 793 | 428 | 868 | 428 | 432
Residential Mortgage Jr. | Initial Allowance for Non PCD loans acquired during period |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Balance at end of period |  | 85 |  |  | 85 |  |
HELOC |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Balance at beginning of period | 14,845 | 14,868 | 14,845 | 11,724 | 14,845 | 10,942 | 10,942
Charge-offs |  |  |  |  | (229) |  |
Charge-offs |  |  |  |  |  | (110) |
Recoveries |  | 125 |  | 277 | 505 | 569 |
Net (charge-offs) recoveries |  | 125 |  | 277 | 276 | 459 |
Provision (recovery) |  | (1,109) |  | 6,928 | (1,328) | 7,528 |
Balance at end of period |  | 13,884 | 14,868 | 18,929 | 13,884 | 18,929 | 14,845
HELOC | Initial Allowance for Non PCD loans acquired during period |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Balance at end of period |  | 91 |  |  | 91 |  |
Residential Construction |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Balance at beginning of period | 9,298 | 12,555 | 9,298 | 4,552 | 9,298 | 5,024 | 5,024
Charge-offs |  |  |  |  |  | (304) |
Recoveries |  |  |  | 15 |  | 22 |
Net (charge-offs) recoveries |  |  |  | 15 |  | (282) |
Provision (recovery) |  | (5,405) |  | 5,458 | (6,848) | 5,283 |
Balance at end of period |  | 7,150 | 12,555 | 10,025 | 7,150 | 10,025 | 9,298
Residential Construction | Initial Allowance for Non PCD loans acquired during period |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Balance at end of period |  | 4,700 |  |  | 4,700 |  |
Commercial Construction and Development |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Balance at beginning of period | 65,553 | 78,541 | 65,553 | 60,860 | 65,553 | 65,772 | 65,772
Allowance Adjustment - FMV for Independent merger |  |  |  |  | 6,448 |  |
Charge-offs |  | (16) |  |  | (16) |  |
Charge-offs |  |  |  | (687) |  | (2,162) |
Recoveries |  | 315 |  | 144 | 413 | 1,151 |
Net (charge-offs) recoveries |  | 299 |  | (543) | 397 | (1,011) |
Provision (recovery) |  | (2,543) |  | 16,902 | (7,852) | 12,458 |
Balance at end of period |  | 76,297 | 78,541 | 77,219 | 76,297 | 77,219 | 65,553
Commercial Construction and Development | Initial Allowance for Non PCD loans acquired during period |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Balance at end of period |  | 11,751 |  |  | 11,751 |  |
Consumer |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Balance at beginning of period | 17,484 | 16,304 | 17,484 | 23,353 | 17,484 | 23,331 | 23,331
Allowance Adjustment - FMV for Independent merger |  |  |  |  | 114 |  |
Independent Day 1 Loan Charge-offs PCD |  |  |  |  | (2,323) |  |
Charge-offs |  | (2,184) |  |  | (3,989) |  |
Charge-offs |  |  |  | (2,198) |  | (4,695) |
Recoveries |  | 529 |  | 825 | 1,359 | 1,950 |
Net (charge-offs) recoveries |  | (1,655) |  | (1,373) | (4,953) | (2,745) |
Provision (recovery) |  | 4,036 |  | (9,752) | 5,786 | (8,358) |
Balance at end of period |  | 18,685 | 16,304 | 12,228 | 18,685 | 12,228 | 17,484
Consumer | Initial Allowance for Non PCD loans acquired during period |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Balance at end of period |  | 254 |  |  | 254 |  |
Multifamily |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Balance at beginning of period | 22,279 | 33,960 | 22,279 | 17,012 | 22,279 | 13,766 | 13,766
Allowance Adjustment - FMV for Independent merger |  | 16,798 |  |  | 20,359 |  |
Independent Day 1 Loan Charge-offs PCD |  | (18,065) |  |  | (18,065) |  |
Recoveries |  |  |  | 41 |  | 66 |
Net (charge-offs) recoveries |  | (18,065) |  | 41 | (18,065) | 66 |
Provision (recovery) |  | 18,395 |  | 2,708 | 22,710 | 5,929 |
Balance at end of period |  | 51,088 | 33,960 | 19,761 | 51,088 | 19,761 | 22,279
Multifamily | Initial Allowance for Non PCD loans acquired during period |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Balance at end of period |  | 3,805 |  |  | 3,805 |  |
Municipal |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Balance at beginning of period | 1,197 | 1,107 | 1,197 | 876 | 1,197 | 900 | 900
Provision (recovery) |  | 1,172 |  | 903 | (865) | 879 |
Balance at end of period |  | 2,279 | 1,107 | 1,779 | 2,279 | 1,779 | 1,197
Municipal | Initial Allowance for Non PCD loans acquired during period |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Balance at end of period |  | 1,947 |  |  | 1,947 |  |
CRE Owner Occupied |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Balance at beginning of period | 78,753 | 101,656 | 78,753 | 72,597 | 78,753 | 71,580 | 71,580
Allowance Adjustment - FMV for Independent merger |  |  |  |  | 8,075 |  |
Independent Day 1 Loan Charge-offs PCD |  | 286 |  |  | (1,016) |  |
Charge-offs |  | (772) |  |  | (976) |  |
Charge-offs |  |  |  | (393) |  | (393) |
Recoveries |  | 67 |  | 408 | 117 | 511 |
Net (charge-offs) recoveries |  | (419) |  | 15 | (1,875) | 118 |
Provision (recovery) |  | (13,014) |  | 18,811 | 84 | 19,725 |
Balance at end of period |  | 88,223 | 101,656 | 91,423 | 88,223 | 91,423 | 78,753
CRE Owner Occupied | Initial Allowance for Non PCD loans acquired during period |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Balance at end of period |  | 3,186 |  |  | 3,186 |  |
Non Owner Occupied CRE |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Balance at beginning of period | 111,538 | 172,334 | 111,538 | 134,698 | 111,538 | 137,055 | 137,055
Allowance Adjustment - FMV for Independent merger |  |  |  |  | 93,820 |  |
Independent Day 1 Loan Charge-offs PCD |  | 520 |  |  | (13,036) |  |
Charge-offs |  |  |  | (176) |  | (247) |
Recoveries |  | 247 |  | 89 | 343 | 99 |
Net (charge-offs) recoveries |  | 767 |  | (87) | (12,693) | (148) |
Provision (recovery) |  | (7,908) |  | (35,596) | (59,029) | (37,892) |
Balance at end of period |  | 165,193 | 172,334 | 99,015 | 165,193 | 99,015 | 111,538
Non Owner Occupied CRE | Initial Allowance for Non PCD loans acquired during period |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Balance at end of period |  | 31,557 |  |  | 31,557 |  |
C & I |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Balance at beginning of period | $ 101,214 | 137,246 | 101,214 | 55,268 | 101,214 | 49,406 | 49,406
Allowance Adjustment - FMV for Independent merger |  |  |  |  | 4,773 |  |
Independent Day 1 Loan Charge-offs PCD |  |  |  |  | (22,187) |  |
Charge-offs |  | (8,607) |  |  | (13,271) |  |
Charge-offs |  |  |  | (5,100) |  | (8,240) |
Recoveries |  | 3,176 |  | 2,424 | 4,480 | 4,954 |
Net (charge-offs) recoveries |  | (5,431) |  | (2,676) | (30,978) | (3,286) |
Provision (recovery) |  | 11,360 |  | 29,347 | 54,481 | 35,819 |
Balance at end of period |  | 143,175 | $ 137,246 | $ 81,939 | 143,175 | $ 81,939 | $ 101,214
C & I | Initial Allowance for Non PCD loans acquired during period |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Balance at end of period |  | $ 13,685 |  |  | $ 13,685 |  |

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