XML 76 R65.htm IDEA: XBRL DOCUMENT v3.26.1
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