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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 | 9 Months Ended | 12 Months Ended
--- | --- | --- | --- | ---
Jan. 01, 2025 | Sep. 30, 2025 | Mar. 31, 2025 | Sep. 30, 2024 | Sep. 30, 2025 | Sep. 30, 2024 | Dec. 31, 2024
Allowance for credit losses |  |  |  |  |  |  |
Balance at beginning of period | $ 465,280 | $ 621,046 | $ 465,280 | $ 472,298 | $ 465,280 | $ 456,573 | $ 456,573
Allowance Adjustment - FMV for Independent merger |  |  |  |  | 135,441 |  |
Independent Day 1 Loan Net Charge-offs PCD |  |  |  |  | (56,688) |  |
Charge-offs |  | (37,562) |  |  | (56,949) |  |
Charge-offs |  |  |  | (8,603) | (113,637) | (25,133) | (35,070)
Recoveries |  | 5,408 |  | 2,523 | 13,108 | 12,149 |
Net (charge-offs) recoveries |  | (32,154) |  | (6,080) | (100,529) | (12,984) |
Provision (recovery) |  | 1,241 |  | 1,763 | 9,970 | 24,392 |
Balance at end of period |  | 590,133 |  | 467,981 | 590,133 | 467,981 | 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 |  |
Unfunded Commitment |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |
Provision (recovery) of credit losses |  | 3,800 |  | (8,700) | 23,200 | (14,800) |
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 | 54,204 | 42,687 | 59,552 | 42,687 | 78,052 | 78,052
Allowance Adjustment - FMV for Independent merger |  |  |  |  | 1,852 |  |
Independent Day 1 Loan Net Charge-offs PCD |  |  |  |  | (61) |  |
Charge-offs |  | (698) |  |  | (1,590) |  |
Charge-offs |  |  |  | (169) |  | (548) |
Recoveries |  | 122 |  | 37 | 516 | 252 |
Net (charge-offs) recoveries |  | (576) |  | (132) | (1,135) | (296) |
Provision (recovery) |  | 108 |  | (6,725) | 1,422 | (25,061) |
Balance at end of period |  | 53,736 |  | 52,695 | 53,736 | 52,695 | 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 | 868 | 432 | 428 | 432 | 745 | 745
Charge-offs |  |  |  |  | (14) |  |
Recoveries |  | 190 |  | 8 | 279 | 97 |
Net (charge-offs) recoveries |  | 190 |  | 8 | 265 | 97 |
Provision (recovery) |  | (54) |  | 65 | 222 | (341) |
Balance at end of period |  | 1,004 |  | 501 | 1,004 | 501 | 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 | 13,884 | 14,845 | 18,929 | 14,845 | 10,942 | 10,942
Charge-offs |  | (66) |  |  | (295) |  |
Charge-offs |  |  |  |  |  | (110) |
Recoveries |  | 110 |  | 175 | 615 | 744 |
Net (charge-offs) recoveries |  | 44 |  | 175 | 320 | 634 |
Provision (recovery) |  | 872 |  | (272) | (456) | 7,256 |
Balance at end of period |  | 14,800 |  | 18,832 | 14,800 | 18,832 | 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 | 7,150 | 9,298 | 10,025 | 9,298 | 5,024 | 5,024
Charge-offs |  |  |  |  |  | (304) |
Recoveries |  |  |  | 9 |  | 31 |
Net (charge-offs) recoveries |  |  |  | 9 |  | (273) |
Provision (recovery) |  | 2,190 |  | (2,552) | (4,658) | 2,731 |
Balance at end of period |  | 9,340 |  | 7,482 | 9,340 | 7,482 | 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 | 76,297 | 65,553 | 77,219 | 65,553 | 65,772 | 65,772
Allowance Adjustment - FMV for Independent merger |  |  |  |  | 6,448 |  |
Charge-offs |  |  |  |  | (16) |  |
Charge-offs |  |  |  |  |  | (2,162) |
Recoveries |  | 108 |  | 57 | 521 | 1,208 |
Net (charge-offs) recoveries |  | 108 |  | 57 | 505 | (954) |
Provision (recovery) |  | (18,512) |  | (8,611) | (26,364) | 3,847 |
Balance at end of period |  | 57,893 |  | 68,665 | 57,893 | 68,665 | 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 | 18,685 | 17,484 | 12,228 | 17,484 | 23,331 | 23,331
Allowance Adjustment - FMV for Independent merger |  |  |  |  | 114 |  |
Independent Day 1 Loan Net Charge-offs PCD |  |  |  |  | (2,323) |  |
Charge-offs |  | (2,969) |  |  | (6,958) |  |
Charge-offs |  |  |  | (2,248) |  | (6,943) |
Recoveries |  | 764 |  | 517 | 2,123 | 2,467 |
Net (charge-offs) recoveries |  | (2,205) |  | (1,731) | (7,158) | (4,476) |
Provision (recovery) |  | 2,201 |  | 8,902 | 7,987 | 544 |
Balance at end of period |  | 18,681 |  | 19,399 | 18,681 | 19,399 | 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 | 51,088 | 22,279 | 19,761 | 22,279 | 13,766 | 13,766
Allowance Adjustment - FMV for Independent merger |  |  |  |  | 20,359 |  |
Independent Day 1 Loan Net Charge-offs PCD |  |  |  |  | (18,065) |  |
Recoveries |  |  |  |  |  | 66 |
Net (charge-offs) recoveries |  |  |  |  | (18,065) | 66 |
Provision (recovery) |  | 13,825 |  | (2,637) | 36,535 | 3,292 |
Balance at end of period |  | 64,913 |  | 17,124 | 64,913 | 17,124 | 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 | 2,279 | 1,197 | 1,779 | 1,197 | 900 | 900
Provision (recovery) |  | (168) |  | 240 | (1,033) | 1,119 |
Balance at end of period |  | 2,111 |  | 2,019 | 2,111 | 2,019 | 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 | 88,223 | 78,753 | 91,423 | 78,753 | 71,580 | 71,580
Allowance Adjustment - FMV for Independent merger |  |  |  |  | 8,075 |  |
Independent Day 1 Loan Net Charge-offs PCD |  |  |  |  | (1,016) |  |
Charge-offs |  | (655) |  |  | (1,631) |  |
Charge-offs |  |  |  | (558) |  | (951) |
Recoveries |  | 50 |  | 26 | 167 | 537 |
Net (charge-offs) recoveries |  | (605) |  | (532) | (2,480) | (414) |
Provision (recovery) |  | (14,023) |  | (6,670) | (13,939) | 13,055 |
Balance at end of period |  | 73,595 |  | 84,221 | 73,595 | 84,221 | 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 | 165,193 | 111,538 | 99,015 | 111,538 | 137,055 | 137,055
Allowance Adjustment - FMV for Independent merger |  |  |  |  | 93,820 |  |
Independent Day 1 Loan Net Charge-offs PCD |  |  |  |  | (13,036) |  |
Charge-offs |  |  |  | (29) |  | (276) |
Recoveries |  | 2,048 |  | 247 | 2,391 | 346 |
Net (charge-offs) recoveries |  | 2,048 |  | 218 | (10,645) | 70 |
Provision (recovery) |  | 10,022 |  | 23,134 | (49,007) | (14,758) |
Balance at end of period |  | 177,263 |  | 122,367 | 177,263 | 122,367 | 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 | 143,175 | $ 101,214 | 81,939 | 101,214 | 49,406 | 49,406
Allowance Adjustment - FMV for Independent merger |  |  |  |  | 4,773 |  |
Independent Day 1 Loan Net Charge-offs PCD |  |  |  |  | (22,187) |  |
Charge-offs |  | (33,174) |  |  | (46,445) |  |
Charge-offs |  |  |  | (5,599) |  | (13,839) |
Recoveries |  | 2,016 |  | 1,447 | 6,496 | 6,401 |
Net (charge-offs) recoveries |  | (31,158) |  | (4,152) | (62,136) | (7,438) |
Provision (recovery) |  | 4,780 |  | (3,111) | 59,261 | 32,708 |
Balance at end of period |  | 116,797 |  | $ 74,676 | 116,797 | $ 74,676 | $ 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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