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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