XML 33 R26.htm IDEA: XBRL DOCUMENT v3.25.3

Loans and Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2025

Receivables [Abstract]

Summary of Loan Classes and Aging of Past Due Loans

The following tables provide a summary of loan classes and an aging of past due loans at September 30, 2025 and December 31, 2024 (in thousands):

		September 30, 2025
		30-89 Days Past Due and Accruing				Greater than 90 Days Past Due and Accruing				Nonaccrual Loans				Total Past Due				Current				Total Loans
Loans
Commercial and industrial		$	32,711			$	110			$	33,610			$	66,431			$	15,131,651			$	15,198,082
Specialty lending			—				—				—				—				561,394				561,394
Commercial real estate			27,634				—				69,859				97,493				16,485,602				16,583,095
Consumer real estate			5,826				—				24,633				30,459				4,312,100				4,342,559
Consumer			5,518				—				828				6,346				217,107				223,453
Credit cards			12,757				6,021				3,035				21,813				667,994				689,807
Leases and other			—				—				—				—				108,117				108,117
Total loans		$	84,446			$	6,131			$	131,965			$	222,542			$	37,483,965			$	37,706,507

		December 31, 2024
		30-89 Days Past Due and Accruing				Greater than 90 Days Past Due and Accruing				Nonaccrual Loans				Total Past Due				Current				Total Loans
Loans
Commercial and industrial		$	446			$	1			$	4,423			$	4,870			$	10,988,901			$	10,993,771
Specialty lending			—				—				—				—				469,194				469,194
Commercial real estate			1,013				—				805				1,818				10,129,467				10,131,285
Consumer real estate			553				—				13,614				14,167				3,172,963				3,187,130
Consumer			175				12				40				227				193,633				193,860
Credit cards			9,316				7,589				400				17,305				561,461				578,766
Leases and other			—				—				—				—				88,295				88,295
Total loans		$	11,503			$	7,602			$	19,282			$	38,387			$	25,603,914			$	25,642,301

Summary of Amortized Cost of Nonaccrual Loans with No Related Allowance

The following tables provide the amortized cost of nonaccrual loans with no related allowance for credit losses by loan class at September 30, 2025 and December 31, 2024 (in thousands):

		September 30, 2025
		Nonaccrual Loans				Amortized Cost of Nonaccrual Loans with no related Allowance
Loans
Commercial and industrial		$	33,610			$	14,793
Specialty lending			—				—
Commercial real estate			69,859				19,164
Consumer real estate			24,633				24,633
Consumer			828				828
Credit cards			3,035				3,035
Leases and other			—				—
Total loans		$	131,965			$	62,453

		December 31, 2024
		Nonaccrual Loans				Amortized Cost of Nonaccrual Loans with no related Allowance
Loans
Commercial and industrial		$	4,423			$	4,423
Specialty lending			—				—
Commercial real estate			805				805
Consumer real estate			13,614				13,614
Consumer			40				40
Credit cards			400				400
Leases and other			—				—
Total loans		$	19,282			$	19,282

Summary of Amortized Cost Balance of Each of Loan Classes Disaggregated by Collateral Type and Origination Year

The following tables provide a summary of the amortized cost balance of each of the Company’s loan classes disaggregated by collateral type and origination year as of September 30, 2025 and December 31, 2024, as well as the gross charge-offs by loan class and origination year for the nine months ended September 30, 2025 (in thousands):

		September 30, 2025
		Amortized Cost Basis by Origination Year - Term Loans
Loan Segment and Type		2025				2024				2023				2022				2021				Prior				Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans				Total
Commercial and industrial:
Equipment/Accounts Receivable/Inventory		$	2,050,313			$	2,144,396			$	1,174,588			$	1,076,786			$	550,762			$	369,057			$	5,275,337			$	18,774			$	12,660,013
Agriculture			22,456				43,536				26,417				8,527				5,212				3,616				263,460				295				373,519
NDFIs			148,711				266,104				355,725				50,345				13,808				31,592				1,268,919				135				2,135,339
Overdrafts			—				—				—				—				—				—				29,211				—				29,211
Total Commercial and industrial			2,221,480				2,454,036				1,556,730				1,135,658				569,782				404,265				6,836,927				19,204				15,198,082
Current period charge-offs			—				7,296				7,124				6,687				1,552				956				14,420				—				38,035
Specialty lending:
Asset-based lending			35,381				5,927				—				6,053				32,203				33,107				448,723				—				561,394
Total Specialty lending			35,381				5,927				—				6,053				32,203				33,107				448,723				—				561,394
Current period charge-offs			—				—				—				—				—				—				—				—				—
Commercial real estate:
Owner-occupied			901,661				503,574				635,472				1,032,953				830,103				799,917				40,081				2,804				4,746,565
Non-owner-occupied			1,354,864				702,128				1,018,368				1,089,774				850,794				915,711				47,617				—				5,979,256
Farmland			136,277				80,576				93,007				135,288				90,647				177,577				45,669				86,787				845,828
5+ Multi-family			205,011				229,323				100,067				598,814				368,199				101,411				8,862				—				1,611,687
1-4 Family construction			49,100				48,149				890				729				—				25				221				—				99,114
General construction			599,040				801,596				958,737				674,774				152,144				7,716				39,213				67,425				3,300,645
Total Commercial real estate			3,245,953				2,365,346				2,806,541				3,532,332				2,291,887				2,002,357				181,663				157,016				16,583,095
Current period charge-offs			—				—				5,295				680				849				4,250				—				—				11,074
Consumer real estate:
HELOC			2,855				198				836				1,972				826				7,449				696,114				2,178				712,428
First lien: 1-4 family			489,549				379,598				376,497				611,931				758,036				869,513				10,364				343				3,495,831
Junior lien: 1-4 family			19,935				32,734				19,857				30,966				18,346				7,295				5,167				—				134,300
Total Consumer real estate			512,339				412,530				397,190				644,869				777,208				884,257				711,645				2,521				4,342,559
Current period charge-offs			—				—				130				201				711				546				462				—				2,050
Consumer:
Revolving line			999				34				9				37				25				542				151,919				1,057				154,622
Auto			7,103				8,452				11,651				6,235				1,623				424				—				—				35,488
Other			6,607				12,164				4,160				8,594				964				854				—				—				33,343
Total Consumer			14,709				20,650				15,820				14,866				2,612				1,820				151,919				1,057				223,453
Current period charge-offs			1				73				230				163				10				110				1,666				—				2,253
Credit cards:
Consumer			—				—				—				—				—				—				322,970				—				322,970
Commercial			—				—				—				—				—				—				366,837				—				366,837
Total Credit cards			—				—				—				—				—				—				689,807				—				689,807
Current period charge-offs			—				—				—				—				—				—				20,020				—				20,020
Leases and other:
Leases			—				—				—				—				—				1,276				—				—				1,276
Other			45,969				19,192				14,441				9,763				7,652				2,089				7,735				—				106,841
Total Leases and other			45,969				19,192				14,441				9,763				7,652				3,365				7,735				—				108,117
Current period charge-offs			—				7				—				—				—				—				—				—				7
Total loans		$	6,075,831			$	5,277,681			$	4,790,722			$	5,343,541			$	3,681,344			$	3,329,171			$	9,028,419			$	179,798			$	37,706,507

		December 31, 2024
		Amortized Cost Basis by Origination Year - Term Loans
Loan Segment and Type		2024				2023				2022				2021				2020				Prior				Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans				Total
Commercial and industrial:
Equipment/Accounts Receivable/Inventory		$	2,054,295			$	1,045,835			$	916,112			$	682,754			$	293,173			$	135,072			$	3,975,094			$	20,356			$	9,122,691
Agriculture			9,857				5,750				3,554				2,208				356				97				156,546				—				178,368
NDFIs			266,024				350,733				94,730				8,997				10,467				9,080				941,454				—				1,681,485
Overdrafts			—				—				—				—				—				—				11,227				—				11,227
Total Commercial and industrial			2,330,176				1,402,318				1,014,396				693,959				303,996				144,249				5,084,321				20,356				10,993,771
Specialty lending:
Asset-based lending			5,803				—				8,026				30,702				29,392				—				395,271				—				469,194
Total Specialty lending			5,803				—				8,026				30,702				29,392				—				395,271				—				469,194
Commercial real estate:
Owner-occupied			352,517				277,049				593,480				442,805				293,799				275,207				4,948				25,266				2,265,071
Non-owner-occupied			784,434				527,773				1,006,769				727,365				404,362				324,839				32,312				—				3,807,854
Farmland			54,656				47,357				58,154				36,127				183,762				23,016				107,468				3				510,543
5+ Multi-family			161,767				47,136				302,225				256,032				28,819				18,732				9,202				—				823,913
1-4 Family construction			46,096				1,385				—				—				—				—				5				—				47,486
General construction			493,723				644,885				1,222,539				235,758				4,049				514				74,950				—				2,676,418
Total Commercial real estate			1,893,193				1,545,585				3,183,167				1,698,087				914,791				642,308				228,885				25,269				10,131,285
Consumer real estate:
HELOC			90				16				450				455				334				5,049				390,843				2,484				399,721
First lien: 1-4 family			413,395				361,242				565,017				635,217				496,758				273,628				—				—				2,745,257
Junior lien: 1-4 family			12,516				9,969				10,004				3,978				2,934				2,676				75				—				42,152
Total Consumer real estate			426,001				371,227				575,471				639,650				500,026				281,353				390,918				2,484				3,187,130
Consumer:
Revolving line			35				—				—				—				—				—				101,407				—				101,442
Auto			8,567				7,429				3,534				1,928				673				283				—				—				22,414
Other			13,050				2,876				10,065				25,659				342				796				17,216				—				70,004
Total Consumer			21,652				10,305				13,599				27,587				1,015				1,079				118,623				—				193,860
Credit cards:
Consumer			—				—				—				—				—				—				328,474				—				328,474
Commercial			—				—				—				—				—				—				250,292				—				250,292
Total Credit cards			—				—				—				—				—				—				578,766				—				578,766
Leases and other:
Leases			—				—				—				—				—				1,492				—				—				1,492
Other			30,622				17,322				13,284				9,895				2,335				2,035				11,310				—				86,803
Total Leases and other			30,622				17,322				13,284				9,895				2,335				3,527				11,310				—				88,295
Total loans		$	4,707,447			$	3,346,757			$	4,807,943			$	3,099,880			$	1,751,555			$	1,072,516			$	6,808,094			$	48,109			$	25,642,301

Summary of Amortized Cost Balance by Collateral Type and Risk Rating

The following tables provide a summary of the amortized cost balance by collateral type and risk rating as of September 30, 2025 and December 31, 2024 (in thousands):

		September 30, 2025
		Amortized Cost Basis by Origination Year - Term Loans
Risk by Collateral		2025				2024				2023				2022				2021				Prior				Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans				Total
Equipment/Accounts Receivable/Inventory
Pass		$	2,023,753			$	2,079,582			$	1,102,503			$	1,007,687			$	541,036			$	346,788			$	4,986,197			$	18,522			$	12,106,068
Special Mention			5,395				42,064				7,781				12,204				1,339				10,468				115,882				—				195,133
Substandard			20,150				15,189				64,304				50,092				8,387				11,801				172,795				—				342,718
Doubtful			1,015				7,561				—				6,803				—				—				463				252				16,094
Total Equipment/Accounts Receivable/Inventory		$	2,050,313			$	2,144,396			$	1,174,588			$	1,076,786			$	550,762			$	369,057			$	5,275,337			$	18,774			$	12,660,013
Agriculture
Pass		$	21,438			$	43,437			$	26,178			$	7,818			$	5,212			$	2,895			$	255,134			$	245			$	362,357
Special Mention			—				—				—				204				—				—				1,770				—				1,974
Substandard			1,018				99				239				505				—				721				6,556				50				9,188
Doubtful			—				—				—				—				—				—				—				—				—
Total Agriculture		$	22,456			$	43,536			$	26,417			$	8,527			$	5,212			$	3,616			$	263,460			$	295			$	373,519
NDFIs
Pass		$	123,549			$	257,143			$	351,389			$	45,909			$	13,089			$	31,393			$	1,254,012			$	135			$	2,076,619
Special Mention			24,842				—				—				—				10				—				14,907				—				39,759
Substandard			320				8,961				4,336				4,436				709				199				—				—				18,961
Doubtful			—				—				—				—				—				—				—				—				—
Total NDFIs		$	148,711			$	266,104			$	355,725			$	50,345			$	13,808			$	31,592			$	1,268,919			$	135			$	2,135,339

		December 31, 2024
		Amortized Cost Basis by Origination Year - Term Loans
Risk by Collateral		2024				2023				2022				2021				2020				Prior				Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans				Total
Equipment/Accounts Receivable/Inventory
Pass		$	2,029,012			$	1,021,589			$	851,378			$	662,361			$	291,712			$	130,832			$	3,796,386			$	20,356			$	8,803,626
Special Mention			2,044				4,145				6,075				5,949				639				—				37,419				—				56,271
Substandard			23,044				20,101				58,659				14,444				822				4,240				141,289				—				262,599
Doubtful			195				—				—				—				—				—				—				—				195
Total Equipment/Accounts Receivable/Inventory		$	2,054,295			$	1,045,835			$	916,112			$	682,754			$	293,173			$	135,072			$	3,975,094			$	20,356			$	9,122,691
Agriculture
Pass		$	5,214			$	5,613			$	3,465			$	2,208			$	356			$	97			$	153,585			$	—			$	170,538
Special Mention			—				137				89				—				—				—				1,068				—				1,294
Substandard			4,643				—				—				—				—				—				1,893				—				6,536
Doubtful			—				—				—				—				—				—				—				—				—
Total Agriculture		$	9,857			$	5,750			$	3,554			$	2,208			$	356			$	97			$	156,546			$	—			$	178,368
NDFIs
Pass		$	266,024			$	350,733			$	94,730			$	8,997			$	10,467			$	9,080			$	929,976			$	—			$	1,670,007
Special Mention			—				—				—				—				—				—				11,478				—				11,478
Substandard			—				—				—				—				—				—				—				—				—
Doubtful			—				—				—				—				—				—				—				—				—
Total NDFIs		$	266,024			$	350,733			$	94,730			$	8,997			$	10,467			$	9,080			$	941,454			$	—			$	1,681,485

The following table provides a summary of the amortized cost balance by risk rating for asset-based loans as of September 30, 2025 and December 31, 2024 (in thousands):

		Asset-based lending
Risk		September 30, 2025				December 31, 2024
In-margin		$	561,394			$	469,194
Out-of-margin			—				—
Total		$	561,394			$	469,194

The following tables provide a summary of the amortized cost balance by collateral type and risk rating as of September 30, 2025 and December 31, 2024 (in thousands):

		September 30, 2025
		Amortized Cost Basis by Origination Year - Term Loans
Risk by Collateral		2025				2024				2023				2022				2021				Prior				Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans				Total
Owner-occupied
Pass		$	873,576			$	497,665			$	565,377			$	978,976			$	806,807			$	749,409			$	40,081			$	261			$	4,512,152
Special Mention			8,164				2,812				22,406				38,539				14,507				36,920				—				—				123,348
Substandard			19,921				3,097				47,401				15,438				8,789				13,588				—				2,543				110,777
Doubtful			—				—				288				—				—				—				—				—				288
Total Owner-occupied		$	901,661			$	503,574			$	635,472			$	1,032,953			$	830,103			$	799,917			$	40,081			$	2,804			$	4,746,565
Non-owner-occupied
Pass		$	1,266,928			$	686,369			$	999,652			$	1,056,343			$	830,144			$	882,211			$	42,193			$	—			$	5,763,840
Special Mention			80,138				15,759				4,278				6,844				749				23,797				—				—				131,565
Substandard			7,798				—				14,438				26,587				19,901				9,703				5,424				—				83,851
Doubtful			—				—				—				—				—				—				—				—				—
Total Non-owner-occupied		$	1,354,864			$	702,128			$	1,018,368			$	1,089,774			$	850,794			$	915,711			$	47,617			$	—			$	5,979,256
Farmland
Pass		$	114,282			$	78,522			$	76,892			$	125,116			$	89,992			$	166,043			$	44,640			$	86,787			$	782,274
Special Mention			15,461				1,274				13,618				8,946				139				815				1,029				—				41,282
Substandard			6,534				780				2,497				1,226				516				10,719				—				—				22,272
Doubtful			—				—				—				—				—				—				—				—				—
Total Farmland		$	136,277			$	80,576			$	93,007			$	135,288			$	90,647			$	177,577			$	45,669			$	86,787			$	845,828
5+ Multi-family
Pass		$	205,011			$	229,323			$	99,826			$	587,612			$	359,725			$	101,213			$	8,862			$	—			$	1,591,572
Special Mention			—				—				241				2,958				8,474				198				—				—				11,871
Substandard			—				—				—				8,244				—				—				—				—				8,244
Doubtful			—				—				—				—				—				—				—				—				—
Total 5+ Multi-family		$	205,011			$	229,323			$	100,067			$	598,814			$	368,199			$	101,411			$	8,862			$	—			$	1,611,687
1-4 Family construction
Pass		$	49,100			$	46,733			$	649			$	729			$	—			$	25			$	221			$	—			$	97,457
Special Mention			—				1,416				241				—				—				—				—				—				1,657
Substandard			—				—				—				—				—				—				—				—				—
Doubtful			—				—				—				—				—				—				—				—				—
Total 1-4 Family construction		$	49,100			$	48,149			$	890			$	729			$	—			$	25			$	221			$	—			$	99,114
General construction
Pass		$	594,038			$	745,412			$	923,697			$	611,821			$	150,223			$	7,570			$	31,963			$	67,425			$	3,132,149
Special Mention			—				56,082				34,619				31,818				1,921				22				—				—				124,462
Substandard			5,002				—				421				31,135				—				124				7,250				—				43,932
Doubtful			—				102				—				—				—				—				—				—				102
Total General construction		$	599,040			$	801,596			$	958,737			$	674,774			$	152,144			$	7,716			$	39,213			$	67,425			$	3,300,645

		December 31, 2024
		Amortized Cost Basis by Origination Year - Term Loans
Risk by Collateral		2024				2023				2022				2021				2020				Prior				Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans				Total
Owner-occupied
Pass		$	316,858			$	276,546			$	590,337			$	442,768			$	289,219			$	267,944			$	4,948			$	25,266			$	2,213,886
Special Mention			31,213				—				1,512				—				467				—				—				—				33,192
Substandard			4,446				503				1,631				37				4,113				7,263				—				—				17,993
Doubtful			—				—				—				—				—				—				—				—				—
Total Owner-occupied		$	352,517			$	277,049			$	593,480			$	442,805			$	293,799			$	275,207			$	4,948			$	25,266			$	2,265,071
Non-owner-occupied
Pass		$	784,434			$	514,745			$	981,769			$	727,365			$	404,362			$	324,310			$	32,312			$	—			$	3,769,297
Special Mention			—				13,028				25,000				—				—				—				—				—				38,028
Substandard			—				—				—				—				—				529				—				—				529
Doubtful			—				—				—				—				—				—				—				—				—
Total Non-owner-occupied		$	784,434			$	527,773			$	1,006,769			$	727,365			$	404,362			$	324,839			$	32,312			$	—			$	3,807,854
Farmland
Pass		$	36,771			$	45,055			$	45,131			$	36,127			$	182,769			$	14,209			$	106,468			$	3			$	466,533
Special Mention			982				—				13,023				—				—				2,324				1,000				—				17,329
Substandard			16,903				2,302				—				—				993				6,483				—				—				26,681
Doubtful			—				—				—				—				—				—				—				—				—
Total Farmland		$	54,656			$	47,357			$	58,154			$	36,127			$	183,762			$	23,016			$	107,468			$	3			$	510,543
5+ Multi-family
Pass		$	161,767			$	47,136			$	302,225			$	256,032			$	28,819			$	18,732			$	9,202			$	—			$	823,913
Special Mention			—				—				—				—				—				—				—				—				—
Substandard			—				—				—				—				—				—				—				—				—
Doubtful			—				—				—				—				—				—				—				—				—
Total 5+ Multi-family		$	161,767			$	47,136			$	302,225			$	256,032			$	28,819			$	18,732			$	9,202			$	—			$	823,913
1-4 Family construction
Pass		$	46,096			$	1,385			$	—			$	—			$	—			$	—			$	5			$	—			$	47,486
Special Mention			—				—				—				—				—				—				—				—				—
Substandard			—				—				—				—				—				—				—				—				—
Doubtful			—				—				—				—				—				—				—				—				—
Total 1-4 Family construction		$	46,096			$	1,385			$	—			$	—			$	—			$	—			$	5			$	—			$	47,486
General construction
Pass		$	493,614			$	643,050			$	1,221,251			$	235,758			$	4,049			$	504			$	74,950			$	—			$	2,673,176
Special Mention			—				—				—				—				—				—				—				—				—
Substandard			—				1,835				1,288				—				—				10				—				—				3,133
Doubtful			109				—				—				—				—				—				—				—				109
Total General construction		$	493,723			$	644,885			$	1,222,539			$	235,758			$	4,049			$	514			$	74,950			$	—			$	2,676,418

The following tables provide a summary of the amortized cost balance by collateral type and risk rating as of September 30, 2025 and December 31, 2024 (in thousands):

		September 30, 2025
		Amortized Cost Basis by Origination Year - Term Loans
Risk by Collateral		2025				2024				2023				2022				2021				Prior				Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans				Total
HELOC
Performing		$	2,855			$	198			$	422			$	1,277			$	376			$	5,785			$	695,506			$	1,442			$	707,861
Non-performing			—				—				414				695				450				1,664				608				736				4,567
Total HELOC		$	2,855			$	198			$	836			$	1,972			$	826			$	7,449			$	696,114			$	2,178			$	712,428
First lien: 1-4 family
Performing		$	488,275			$	379,352			$	372,977			$	605,994			$	754,960			$	864,859			$	10,364			$	343			$	3,477,124
Non-performing			1,274				246				3,520				5,937				3,076				4,654				—				—				18,707
Total First lien: 1-4 family		$	489,549			$	379,598			$	376,497			$	611,931			$	758,036			$	869,513			$	10,364			$	343			$	3,495,831
Junior lien: 1-4 family
Performing		$	19,894			$	32,711			$	19,845			$	30,767			$	17,997			$	7,201			$	5,167			$	—			$	133,582
Non-performing			41				23				12				199				349				94				—				—				718
Total Junior lien: 1-4 family		$	19,935			$	32,734			$	19,857			$	30,966			$	18,346			$	7,295			$	5,167			$	—			$	134,300

		December 31, 2024
		Amortized Cost Basis by Origination Year - Term Loans
Risk by Collateral		2024				2023				2022				2021				2020				Prior				Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans				Total
HELOC
Performing		$	90			$	16			$	450			$	203			$	249			$	3,780			$	390,843			$	1,879			$	397,510
Non-performing			—				—				—				252				85				1,269				—				605				2,211
Total HELOC		$	90			$	16			$	450			$	455			$	334			$	5,049			$	390,843			$	2,484			$	399,721
First lien: 1-4 family
Performing		$	413,060			$	358,303			$	559,689			$	633,749			$	496,615			$	272,601			$	—			$	—			$	2,734,017
Non-performing			335				2,939				5,328				1,468				143				1,027				—				—				11,240
Total First lien: 1-4 family		$	413,395			$	361,242			$	565,017			$	635,217			$	496,758			$	273,628			$	—			$	—			$	2,745,257
Junior lien: 1-4 family
Performing		$	12,516			$	9,952			$	9,903			$	3,978			$	2,934			$	2,631			$	75			$	—			$	41,989
Non-performing			—				17				101				—				—				45				—				—				163
Total Junior lien: 1-4 family		$	12,516			$	9,969			$	10,004			$	3,978			$	2,934			$	2,676			$	75			$	—			$	42,152

The following tables provide a summary of the amortized cost balance by collateral type and risk rating as of September 30, 2025 and December 31, 2024 (in thousands):

		September 30, 2025
		Amortized Cost Basis by Origination Year - Term Loans
Risk by Collateral		2025				2024				2023				2022				2021				Prior				Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans				Total
Revolving line
Performing		$	999			$	34			$	9			$	35			$	25			$	540			$	151,287			$	1,056			$	153,985
Non-performing			—				—				—				2				—				2				632				1				637
Total Revolving line		$	999			$	34			$	9			$	37			$	25			$	542			$	151,919			$	1,057			$	154,622
Auto
Performing		$	7,103			$	8,435			$	11,632			$	6,202			$	1,608			$	423			$	—			$	—			$	35,403
Non-performing			—				17				19				33				15				1				—				—				85
Total Auto		$	7,103			$	8,452			$	11,651			$	6,235			$	1,623			$	424			$	—			$	—			$	35,488
Other
Performing		$	6,607			$	12,141			$	4,157			$	8,560			$	964			$	822			$	—			$	—			$	33,251
Non-performing			—				23				3				34				—				32				—				—				92
Total Other		$	6,607			$	12,164			$	4,160			$	8,594			$	964			$	854			$	—			$	—			$	33,343

		December 31, 2024
		Amortized Cost Basis by Origination Year - Term Loans
Risk by Collateral		2024				2023				2022				2021				2020				Prior				Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans				Total
Revolving line
Performing		$	35			$	—			$	—			$	—			$	—			$	—			$	101,407			$	—			$	101,442
Non-performing			—				—				—				—				—				—				—				—				—
Total Revolving line		$	35			$	—			$	—			$	—			$	—			$	—			$	101,407			$	—			$	101,442
Auto
Performing		$	8,567			$	7,418			$	3,534			$	1,920			$	673			$	283			$	—			$	—			$	22,395
Non-performing			—				11				—				8				—				—				—				—				19
Total Auto		$	8,567			$	7,429			$	3,534			$	1,928			$	673			$	283			$	—			$	—			$	22,414
Other
Performing		$	13,037			$	2,876			$	10,057			$	25,659			$	342			$	796			$	17,216			$	—			$	69,983
Non-performing			13				—				8				—				—				—				—				—				21
Total Other		$	13,050			$	2,876			$	10,065			$	25,659			$	342			$	796			$	17,216			$	—			$	70,004

The following tables provide a summary of the amortized cost balance of consumer credit cards by risk rating as of September 30, 2025 and December 31, 2024 (in thousands):

		Consumer
Risk		September 30, 2025				December 31, 2024
Transactor accounts		$	106,268			$	101,688
Revolver accounts (by credit score):
Less than 600			12,362				16,297
600-619			6,712				7,893
620-639			12,056				13,174
640-659			19,501				20,798
660-679			19,595				20,897
680-699			22,538				24,121
700-719			24,578				26,180
720-739			21,428				22,418
740-759			18,864				18,965
760-779			18,839				19,609
780-799			18,011				18,058
800-819			11,147				11,443
820-839			5,966				5,745
840+			1,063				1,188
Total		$	318,928			$	328,474

The following table provides a summary of the amortized cost balance of consumer credit cards considered significantly delinquent for a co-branded portfolio by delinquent cycles as of September 30, 2025 (in thousands):

		Consumer
Risk		September 30, 2025
61-90 Days		$	1,192
91-120 Days			1,109
121-150 Days			898
151-180 Days			843
Total		$	4,042

The following table provides a summary of the amortized cost balance of commercial credit cards by risk rating as of September 30, 2025 and December 31, 2024 (in thousands):

		Commercial
Risk		September 30, 2025				December 31, 2024
Current		$	342,514			$	231,713
Past Due			24,323				18,579
Total		$	366,837			$	250,292

The following table provides a summary of the amortized cost balance by collateral type and risk rating as of September 30, 2025 and December 31, 2024 (in thousands):

		Leases								Other
Risk		September 30, 2025				December 31, 2024				September 30, 2025				December 31, 2024
Pass		$	1,276			$	1,492			$	106,841			$	86,778
Special Mention			—				—				—				—
Substandard			—				—				—				25
Doubtful			—				—				—				—
Total		$	1,276			$	1,492			$	106,841			$	86,803

Rollforward of Allowance for Credit/Loan Losses by Portfolio Segment

This table provides a rollforward of the allowance for credit losses by portfolio segment for the three and nine months ended September 30, 2025 and September 30, 2024 (in thousands):

		Three Months Ended September 30, 2025
		Commercial and industrial				Specialty lending				Commercial real estate				Consumer real estate				Consumer				Credit cards				Leases and other				Total - Loans				HTM				Total
Allowance for credit losses:
Beginning balance		$	210,728			$	—			$	153,489			$	5,521			$	1,567			$	17,913			$	700			$	389,918			$	4,275			$	394,193
PCD allowance for credit loss at acquisition			—				—				8,006				—				—				—				—				8,006				—				8,006
Charge-offs			(5,927	)			—				(4,572	)			(421	)			(830	)			(7,820	)			(7	)			(19,577	)			—				(19,577	)
Recoveries			65				—				—				75				175				873				6				1,194				—				1,194
Provision			18,402				—				(1,230	)			914				247				7,098				(1	)			25,430				(2,430	)			23,000
Ending balance - ACL		$	223,268			$	—			$	155,693			$	6,089			$	1,159			$	18,064			$	698			$	404,971			$	1,845			$	406,816
Allowance for credit losses on off-balance sheet credit exposures:
Beginning balance		$	4,331			$	—			$	3,540			$	180			$	98			$	—			$	54			$	8,203			$	18			$	8,221
Initial allowance for credit loss at acquisition			—				—				—				—				—				—				—				—				—				—
Provision			(169	)			—				(420	)			46				30				—				(5	)			(518	)			18				(500	)
Ending balance - ACL on off-balance sheet		$	4,162			$	—			$	3,120			$	226			$	128			$	—			$	49			$	7,685			$	36			$	7,721

		Three Months Ended September 30, 2024
		Commercial and industrial				Specialty lending				Commercial real estate				Consumer real estate				Consumer				Credit cards				Leases and other				Total - Loans				HTM				Total
Allowance for credit losses:
Beginning balance		$	151,448			$	—			$	68,862			$	3,567			$	632			$	13,936			$	722			$	239,167			$	2,956			$	242,123
Charge-offs			(892	)			—				—				(132	)			(357	)			(7,852	)			(4	)			(9,237	)			—				(9,237	)
Recoveries			219				1				—				22				40				498				3				783				—				783
Provision			7,387				(1	)			3,238				287				188				7,106				(11	)			18,194				(194	)			18,000
Ending balance - ACL		$	158,162			$	—			$	72,100			$	3,744			$	503			$	13,688			$	710			$	248,907			$	2,762			$	251,669
Allowance for credit losses on off-balance sheet credit exposures:
Beginning balance		$	2,288			$	—			$	1,681			$	80			$	13			$	—			$	32			$	4,094			$	44			$	4,138
Provision			252				—				(235	)			5				3				—				(1	)			24				(24	)			—
Ending balance - ACL on off-balance sheet		$	2,540			$	—			$	1,446			$	85			$	16			$	—			$	31			$	4,118			$	20			$	4,138

		Nine Months Ended September 30, 2025
		Commercial and industrial				Specialty lending				Commercial real estate				Consumer real estate				Consumer				Credit cards				Leases and other				Total - Loans				HTM				Total
Allowance for credit losses:
Beginning balance		$	161,553			$	—			$	77,340			$	4,327			$	966			$	14,272			$	631			$	259,089			$	2,645			$	261,734
PCD allowance for credit loss at acquisition			45,026				—				40,054				206				13				—				—				85,299				—				85,299
Charge-offs			(38,035	)			—				(11,074	)			(2,050	)			(2,253	)			(20,020	)			(7	)			(73,439	)			—				(73,439	)
Recoveries			254				—				184				238				420				2,620				6				3,722				—				3,722
Provision			54,470				—				49,189				3,368				2,013				21,192				68				130,300				(800	)			129,500
Ending balance - ACL		$	223,268			$	—			$	155,693			$	6,089			$	1,159			$	18,064			$	698			$	404,971			$	1,845			$	406,816
Allowance for credit losses on off-balance sheet credit exposures:
Beginning balance		$	2,234			$	—			$	1,741			$	70			$	16			$	—			$	63			$	4,124			$	14			$	4,138
Initial allowance for credit loss at acquisition			2,166				—				1,192				63				41				—				114				3,576				7				3,583
Provision			(238	)			—				187				93				71				—				(128	)			(15	)			15				—
Ending balance - ACL on off-balance sheet		$	4,162			$	—			$	3,120			$	226			$	128			$	—			$	49			$	7,685			$	36			$	7,721

		Nine Months Ended September 30, 2024
		Commercial and industrial				Specialty lending				Commercial real estate				Consumer real estate				Consumer				Credit cards				Leases and other				Total - Loans				HTM				Total
Allowance for credit losses:
Beginning balance		$	157,389			$	—			$	45,507			$	6,941			$	1,089			$	7,935			$	877			$	219,738			$	3,258			$	222,996
Charge-offs			(1,886	)			—				(250	)			(308	)			(1,026	)			(15,098	)			(4	)			(18,572	)			—				(18,572	)
Recoveries			1,837				3				—				632				138				1,632				3				4,245				—				4,245
Provision			822				(3	)			26,843				(3,521	)			302				19,219				(166	)			43,496				(496	)			43,000
Ending balance - ACL		$	158,162			$	—			$	72,100			$	3,744			$	503			$	13,688			$	710			$	248,907			$	2,762			$	251,669
Allowance for credit losses on off-balance sheet credit exposures:
Beginning balance		$	4,152			$	186			$	460			$	117			$	9			$	—			$	100			$	5,024			$	64			$	5,088
Provision			(1,612	)			(186	)			986				(32	)			7				—				(69	)			(906	)			(44	)			(950	)
Ending balance - ACL on off-balance sheet		$	2,540			$	—			$	1,446			$	85			$	16			$	—			$	31			$	4,118			$	20			$	4,138

Summary of Amortized Cost Balance of Financial Assets Considered Collateral Dependent

The following tables provide the amortized cost balance of financial assets considered collateral dependent as of September 30, 2025 and December 31, 2024 (in thousands):

		September 30, 2025
Loan Segment and Type		Amortized Cost of Collateral Dependent Assets				Related Allowance for Credit Losses				Amortized Cost of Collateral Dependent Assets with no related Allowance
Commercial and industrial:
Equipment/Accounts Receivable/Inventory		$	31,315			$	15,670			$	12,498
Agriculture			1,054				—				1,054
NDFIs			1,241				—				1,241
Total Commercial and industrial			33,610				15,670				14,793
Specialty lending:
Asset-based lending			—				—				—
Total Specialty lending			—				—				—
Commercial real estate:
Owner-occupied			8,300				2,335				1,558
Non-owner-occupied			52,876				9,423				9,342
Farmland			1,740				—				1,740
5+ Multi-family			—				—				—
1-4 Family construction			—				—				—
General construction			7,089				154				6,670
Total Commercial real estate			70,005				11,912				19,310
Consumer real estate:
HELOC			4,806				—				4,806
First lien: 1-4 family			19,025				—				19,025
Junior lien: 1-4 family			802				—				802
Total Consumer real estate			24,633				—				24,633
Consumer:
Revolving line			645				—				645
Auto			87				—				87
Other			96				—				96
Total Consumer			828				—				828
Leases and other:
Leases			—				—				—
Other			—				—				—
Total Leases and other			—				—				—
Total loans		$	129,076			$	27,582			$	59,564

		December 31, 2024
Loan Segment and Type		Amortized Cost of Collateral Dependent Assets				Related Allowance for Credit Losses				Amortized Cost of Collateral Dependent Assets with no related Allowance
Commercial and industrial:
Equipment/Accounts Receivable/Inventory		$	4,423			$	—			$	4,423
Agriculture			—				—				—
NDFIs			—				—				—
Total Commercial and industrial			4,423				—				4,423
Specialty lending:
Asset-based lending			—				—				—
Total Specialty lending			—				—				—
Commercial real estate:
Owner-occupied			707				—				707
Non-owner-occupied			—				—				—
Farmland			135				—				135
5+ Multi-family			—				—				—
1-4 Family construction			—				—				—
General construction			118				—				118
Total Commercial real estate			960				—				960
Consumer real estate:
HELOC			2,211				—				2,211
First lien: 1-4 family			11,240				—				11,240
Junior lien: 1-4 family			163				—				163
Total Consumer real estate			13,614				—				13,614
Consumer:
Revolving line			—				—				—
Auto			19				—				19
Other			21				—				21
Total Consumer			40				—				40
Leases and other:
Leases			—				—				—
Other			—				—				—
Total Leases and other			—				—				—
Total loans		$	19,037			$	—			$	19,037

X

- Definition

Schedule of amortized cost balance of financial assets considered collateral dependent.

+ References

No definition available.

+ Details

Name:	umbf_ScheduleOfAmortizedCostBalanceOfFinancialAssetsConsideredCollateralDependentTableTextBlock
Namespace Prefix:	umbf_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Summary of amortized cost balance by collateral type and risk rating.

+ References

No definition available.

+ Details

Name:	umbf_SummaryOfAmortizedCostBalanceByCollateralTypeAndRiskRatingTableTextBlock
Namespace Prefix:	umbf_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Summary of amortized cost of loans by loan segments and related collateral.

+ References

No definition available.

+ Details

Name:	umbf_SummaryOfAmortizedCostOfLoansByLoanSegmentsAndRelatedCollateralTableTextBlock
Namespace Prefix:	umbf_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of allowance for credit loss on financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-13

+ Details

Name:	us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of aging analysis for financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-14

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 80
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-80

+ Details

Name:	us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- References

No definition available.

+ Details

Name:	us-gaap_ReceivablesAbstract
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivable on nonaccrual status.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 16
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-16

+ Details

Name:	us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration