
	March 31,			December 31,
(Dollars in thousands)	2026			2025
Loans:
Construction and land development ⁽¹⁾	$	2,592,908		$	2,548,360
Commercial non-owner-occupied		17,097,738			16,651,760
Commercial owner-occupied real estate		7,671,535			7,576,991
Consumer owner-occupied ⁽²⁾		8,717,832			8,618,434
Home equity loans		1,856,065			1,831,789
Commercial and industrial		9,385,926			9,181,408
Other income producing property		1,201,200			1,232,153
Consumer		923,413			955,266
Other loans		50,166			2,366
Total loans		49,496,783			48,598,527
Less: allowance for credit losses		(585,882)			(585,197)
Loans, net	$	48,910,901		$	48,013,330

(1)

Construction and land development includes loans for both commercial construction and development, as well as loans for 1-4 family residential construction and lot loans.

(2)

Consumer owner-occupied real estate includes loans on both 1-4 family owner-occupied property, as well as loans collateralized by 1-4 family owner-occupied properties with a business intent.

Schedule of aging analysis of past due accruing loans


	30 - 59 Days			60 - 89 Days			90+ Days			Total						Non-		Total
(Dollars in thousands)	Past Due			Past Due			Past Due			Past Due			Current			Accruing		Loans
March 31, 2026
Construction and land development	$	4,530		$	—		$	—		$	4,530		$	2,581,007		$	7,371	$	2,592,908
Commercial non-owner-occupied		23,530			2,794			202			26,526			17,012,289			58,923		17,097,738
Commercial owner-occupied		8,658			1,229			1,879			11,766			7,621,081			38,688		7,671,535
Consumer owner-occupied		12,792			201			—			12,993			8,626,165			78,674		8,717,832
Home equity loans		3,124			2,025			2			5,151			1,841,863			9,051		1,856,065
Commercial and industrial		23,652			6,779			6,818			37,249			9,253,867			94,810		9,385,926
Other income producing property		660			414			—			1,074			1,198,132			1,994		1,201,200
Consumer		1,728			481			—			2,209			917,555			3,649		923,413
Other loans		—			—			—			—			50,166			—		50,166
	$	78,674		$	13,923		$	8,901		$	101,498		$	49,102,125		$	293,160	$	49,496,783
December 31, 2025
Construction and land development	$	3,018		$	472		$	139		$	3,629		$	2,537,171		$	7,560	$	2,548,360
Commercial non-owner-occupied		8,457			304			408			9,169			16,575,180			67,411		16,651,760
Commercial owner-occupied		14,821			4,651			865			20,337			7,516,697			39,957		7,576,991
Consumer owner-occupied		16,301			901			—			17,202			8,527,681			73,551		8,618,434
Home equity loans		2,739			1,226			1			3,966			1,819,479			8,344		1,831,789
Commercial and industrial		24,890			5,860			2,913			33,663			9,052,979			94,766		9,181,408
Other income producing property		1,582			827			615			3,024			1,227,020			2,109		1,232,153
Consumer		2,002			793			—			2,795			949,014			3,457		955,266
Other loans		—			—			—			—			2,366			—		2,366
	$	73,810		$	15,034		$	4,941		$	93,785		$	48,207,587		$	297,155	$	48,598,527

Summary of collateral dependent loans, by type of collateral


	March 31,		Collateral			December 31,		Collateral
(Dollars in thousands)	2026		Coverage		%	2025		Coverage		%
Construction and land development
Other	$	5,720	$	7,725	135%	$	5,778	$	7,725	134%
Commercial owner-occupied real estate
Church		3,260		5,288	162%		3,315		6,075	183%
Other		3,526		5,373	152%		6,157		9,549	155%
Commercial non-owner-occupied real estate
Hotel		8,420		17,082	203%		—		—	—
Retail		3,561		5,251	147%		3,451		5,251	152%
Other		1,216		1,458	120%		1,250		1,512	121%
Office		12,567		14,854	118%		12,250		22,015	180%
Multifamily		24,598		27,351	111%		44,860		50,894	113%
Commercial and industrial
Other		45,577		46,526	102%		49,491		46,539	94%
Other income producing property
1-4 family investment property		—		—	—		717		545	76%
Consumer owner-occupied
1st Mtg Residential		1,484		2,250	152%		1,484		2,250	152%
Total collateral dependent loans	$	109,929	$	133,158		$	128,753	$	152,355

Schedule of changes in status of loans restructured within the previous 12 months

The following table presents the changes in status of loans modified within the previous twelve months to borrowers experiencing financial difficulty, as of March 31, 2026 and 2025, by type of modification. The subsequent defaults were all due to past due status greater than 89 days.


	March 31,
	2026						2025
	Paying Under						Paying Under
	Restructured		Converted to		Foreclosures		Restructured		Converted to		Foreclosures
	Terms		Nonaccrual		and Defaults		Terms		Nonaccrual		and Defaults
	Amortized		Amortized		Amortized		Amortized		Amortized		Amortized
(Dollars in thousands)	Cost		Cost		Cost		Cost		Cost		Cost
Interest rate reduction
Commercial non-owner-occupied	$	2,848	$	—	$	—	$	15,088	$	—	$	—
Commercial owner-occupied real estate		723		—		—		—		—		—
Commercial and industrial		289		—		—		390		—		—
Consumer owner-occupied		—		—		—		884		—		—
Total interest rate reductions	$	3,860	$	—	$	—	$	16,362	$	—	$	—

Term extension
Construction and land development	$	7,237	$	—	$	—	$	295	$	—	$	—
Commercial non-owner-occupied		64,982		—		—		—		—		—
Commercial owner-occupied real estate		4,563		—		—		7,716		—		962
Commercial and industrial		27,979		—		425		12,352		—		5,144
Other income producing property		212		—		—		—		—		—
Consumer owner-occupied		8,016		—		1,119		2,642		—		328
Total term extensions	$	112,989	$	—	$	1,544	$	23,005	$	—	$	6,434

Other-than-insignificant payment delay
Commercial non-owner occupied	$	105,010	$	—	$	—	$	—	$	—	$	—
Commercial owner-occupied real estate		3,575		—		1,801		693		—		—
Commercial and industrial		8,789		—		—		—		—		—
Total payment delays	$	117,374	$	—	$	1,801	$	693	$	—	$	—

Term Extension and Interest Rate Reduction
Construction and land development	$	1,813	$	—	$	—	$	—	$	—	$	—
Consumer owner-occupied		2,063		—		335		857		—		—
Total term extension and interest rate combinations	$	3,876	$	—	$	335	$	857	$	—	$	—

Term Extension and Payment Delay
Commercial non-owner occupied	$	2,520	$	—	$	—	$	—	$	—	$	—
Commercial and industrial		186		2,000		—		1,193		—		—
Total term extension and payment delay combinations	$	2,706	$	2,000	$	—	$	1,193	$	—	$	—

Interest Rate Reduction and Payment Delay
Commercial non-owner occupied	$	29,740	$	—	$	—	$	—	$	—	$	—
Total interest rate reduction and payment delay combinations	$	29,740	$	—	$	—	$	—	$	—	$	—
	$	270,545	$	2,000	$	3,680	$	42,110	$	—	$	6,434

Summary of Loans