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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 | 12 Months Ended
--- | --- | ---
Mar. 31, 2026 | Mar. 31, 2025 | Dec. 31, 2025
Allowance for credit losses |  |  |
Balance at beginning of period | $ 585,197 | $ 465,280 | $ 465,280
Allowance Adjustment - FMV for Independent merger |  | 118,643 |
Independent Day 1 Loan Net Charge-offs PCD |  | (39,429) |
Charge-offs | (14,434) | (7,422) | (127,987)
Recoveries | 3,921 | 2,982 |
Net (charge-offs) recoveries | (10,513) | (43,869) |
Provision (recovery) | 11,198 | 3,665 |
Balance at end of period | 585,882 | 623,690 | 585,197
Initial Allowance for Non PCD loans acquired during period |  |  |
Allowance for credit losses |  |  |
Balance at end of period |  | 79,971 |
Unfunded Commitment |  |  |
Allowance for credit losses |  |  |
Provision (recovery) of credit losses | 400 | 16,900 |
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 | 55,947 | 42,687 | 42,687
Allowance Adjustment - FMV for Independent merger |  | 1,852 |
Independent Day 1 Loan Net Charge-offs PCD |  | (61) |
Charge-offs | (1,582) | (507) |
Recoveries | 49 | 200 |
Net (charge-offs) recoveries | (1,533) | (368) |
Provision (recovery) | 4,545 | 1,245 |
Balance at end of period | 58,959 | 54,326 | 55,947
Residential Mortgage Sr. | Initial Allowance for Non PCD loans acquired during period |  |  |
Allowance for credit losses |  |  |
Balance at end of period |  | 8,910 |
Residential Mortgage Jr. |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 1,356 | 432 | 432
Charge-offs |  | (13) |
Recoveries | 93 | 24 |
Net (charge-offs) recoveries | 93 | 11 |
Provision (recovery) | (65) | 265 |
Balance at end of period | 1,384 | 793 | 1,356
Residential Mortgage Jr. | Initial Allowance for Non PCD loans acquired during period |  |  |
Allowance for credit losses |  |  |
Balance at end of period |  | 85 |
HELOC |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 14,150 | 14,845 | 14,845
Charge-offs | (121) | (229) |
Recoveries | 354 | 380 |
Net (charge-offs) recoveries | 233 | 151 |
Provision (recovery) | (617) | (219) |
Balance at end of period | 13,766 | 14,868 | 14,150
HELOC | Initial Allowance for Non PCD loans acquired during period |  |  |
Allowance for credit losses |  |  |
Balance at end of period |  | 91 |
Residential Construction |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 8,732 | 9,298 | 9,298
Provision (recovery) | (550) | (1,443) |
Balance at end of period | 8,182 | 12,555 | 8,732
Residential Construction | Initial Allowance for Non PCD loans acquired during period |  |  |
Allowance for credit losses |  |  |
Balance at end of period |  | 4,700 |
Commercial Construction and Development |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 53,494 | 65,553 | 65,553
Allowance Adjustment - FMV for Independent merger |  | 6,448 |
Charge-offs | (166) |  |
Recoveries | 54 | 98 |
Net (charge-offs) recoveries | (112) | 98 |
Provision (recovery) | (6,841) | (5,309) |
Balance at end of period | 46,541 | 78,541 | 53,494
Commercial Construction and Development | Initial Allowance for Non PCD loans acquired during period |  |  |
Allowance for credit losses |  |  |
Balance at end of period |  | 11,751 |
Consumer |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 19,280 | 17,484 | 17,484
Allowance Adjustment - FMV for Independent merger |  | 114 |
Independent Day 1 Loan Net Charge-offs PCD |  | (2,323) |
Charge-offs | (2,133) | (1,805) |
Recoveries | 886 | 830 |
Net (charge-offs) recoveries | (1,247) | (3,298) |
Provision (recovery) | (247) | 1,750 |
Balance at end of period | 17,786 | 16,304 | 19,280
Consumer | Initial Allowance for Non PCD loans acquired during period |  |  |
Allowance for credit losses |  |  |
Balance at end of period |  | 254 |
Multifamily |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 58,678 | 22,279 | 22,279
Allowance Adjustment - FMV for Independent merger |  | 3,561 |
Recoveries | 16 |  |
Net (charge-offs) recoveries | 16 |  |
Provision (recovery) | (2,832) | 4,315 |
Balance at end of period | 55,862 | 33,960 | 58,678
Multifamily | Initial Allowance for Non PCD loans acquired during period |  |  |
Allowance for credit losses |  |  |
Balance at end of period |  | 3,805 |
Municipal |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 1,799 | 1,197 | 1,197
Provision (recovery) | 118 | (2,037) |
Balance at end of period | 1,917 | 1,107 | 1,799
Municipal | Initial Allowance for Non PCD loans acquired during period |  |  |
Allowance for credit losses |  |  |
Balance at end of period |  | 1,947 |
CRE Owner Occupied |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 73,871 | 78,753 | 78,753
Allowance Adjustment - FMV for Independent merger |  | 8,075 |
Independent Day 1 Loan Net Charge-offs PCD |  | (1,302) |
Charge-offs | (94) | (204) |
Recoveries | 83 | 50 |
Net (charge-offs) recoveries | (11) | (1,456) |
Provision (recovery) | 2,939 | 13,098 |
Balance at end of period | 76,799 | 101,656 | 73,871
CRE Owner Occupied | Initial Allowance for Non PCD loans acquired during period |  |  |
Allowance for credit losses |  |  |
Balance at end of period |  | 3,186 |
Non Owner Occupied CRE |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 174,797 | 111,538 | 111,538
Allowance Adjustment - FMV for Independent merger |  | 93,820 |
Independent Day 1 Loan Net Charge-offs PCD |  | (13,556) |
Recoveries | 8 | 96 |
Net (charge-offs) recoveries | 8 | (13,460) |
Provision (recovery) | 13,341 | (51,121) |
Balance at end of period | 188,146 | 172,334 | 174,797
Non Owner Occupied CRE | Initial Allowance for Non PCD loans acquired during period |  |  |
Allowance for credit losses |  |  |
Balance at end of period |  | 31,557 |
C & I |  |  |
Allowance for credit losses |  |  |
Balance at beginning of period | 123,093 | 101,214 | 101,214
Allowance Adjustment - FMV for Independent merger |  | 4,773 |
Independent Day 1 Loan Net Charge-offs PCD |  | (22,187) |
Charge-offs | (10,338) | (4,664) |
Recoveries | 2,378 | 1,304 |
Net (charge-offs) recoveries | (7,960) | (25,547) |
Provision (recovery) | 1,407 | 43,121 |
Balance at end of period | $ 116,540 | 137,246 | $ 123,093
C & I | Initial Allowance for Non PCD loans acquired during period |  |  |
Allowance for credit losses |  |  |
Balance at end of period |  | $ 13,685 |

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- Definition Amount, excluding accrued interest, of decrease in allowance for credit loss at acquisition date on financing receivable purchased with credit deterioration from write-off. Excludes net investment in lease. + References No definition available. + Details
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