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Loans and Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2026

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 March 31, 2026 and December 31, 2025 (in thousands):

		March 31, 2026
		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		$	8,811			$	1			$	55,975			$	64,787			$	17,003,977			$	17,068,764
Specialty lending			—				—				—				—				646,027				646,027
Commercial real estate			8,647				959				63,436				73,042				16,554,028				16,627,070
Consumer real estate			11,631				—				31,103				42,734				4,386,994				4,429,728
Consumer			568				5,182				147				5,897				230,085				235,982
Credit cards			10,603				8,782				589				19,974				697,857				717,831
Leases and other			—				—				—				—				408,923				408,923
Total loans		$	40,260			$	14,924			$	151,250			$	206,434			$	39,927,891			$	40,134,325

		December 31, 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		$	36,391			$	6,417			$	26,633			$	69,441			$	16,201,079			$	16,270,520
Specialty lending			—				—				—				—				518,237				518,237
Commercial real estate			24,786				—				86,838				111,624				16,264,615				16,376,239
Consumer real estate			10,451				244				29,910				40,605				4,395,863				4,436,468
Consumer			689				5,237				777				6,703				232,108				238,811
Credit cards			9,194				6,505				508				16,207				684,526				700,733
Leases and other			—				—				—				—				238,400				238,400
Total loans		$	81,511			$	18,403			$	144,666			$	244,580			$	38,534,828			$	38,779,408

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 March 31, 2026 and December 31, 2025 (in thousands):

		March 31, 2026
		Nonaccrual Loans				Amortized Cost of Nonaccrual Loans with no related Allowance
Loans
Commercial and industrial		$	55,975			$	12,640
Specialty lending			—				—
Commercial real estate			63,436				33,407
Consumer real estate			31,103				30,094
Consumer			147				147
Credit cards			589				589
Leases and other			—				—
Total loans		$	151,250			$	76,877

		December 31, 2025
		Nonaccrual Loans				Amortized Cost of Nonaccrual Loans with no related Allowance
Loans
Commercial and industrial		$	26,633			$	10,870
Specialty lending			—				—
Commercial real estate			86,838				35,973
Consumer real estate			29,910				28,661
Consumer			777				777
Credit cards			508				508
Leases and other			—				—
Total loans		$	144,666			$	76,789

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 March 31, 2026 and December 31, 2025, as well as the gross charge-offs by loan class and origination year for the three months ended March 31, 2026 (in thousands):

		March 31, 2026
		Amortized Cost Basis by Origination Year - Term Loans
Loan Segment and Type		2026				2025				2024				2023				2022				Prior				Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans				Total
Commercial and industrial:
Equipment/Accounts Receivable/Inventory		$	944,324			$	2,793,596			$	1,811,310			$	907,969			$	874,584			$	762,205			$	5,791,960			$	44,961			$	13,930,909
Agriculture			6,744				26,657				20,970				23,301				6,582				5,492				400,425				479				490,650
NDFIs			39,118				190,987				282,494				360,651				60,399				27,655				1,674,758				—				2,636,062
Overdrafts			—				—				—				—				—				—				11,143				—				11,143
Total Commercial and industrial			990,186				3,011,240				2,114,774				1,291,921				941,565				795,352				7,878,286				45,440				17,068,764
Current period charge-offs			—				—				—				82				117				73				3,077				—				3,349
Specialty lending:
Asset-based lending			51,006				45,458				5,528				—				5,407				46,864				491,764				—				646,027
Total Specialty lending			51,006				45,458				5,528				—				5,407				46,864				491,764				—				646,027
Current period charge-offs			—				—				—				—				—				—				—				—				—
Commercial real estate:
Owner-occupied			272,512				1,130,699				594,932				553,366				938,003				1,396,518				46,285				—				4,932,315
Non-owner-occupied			486,814				1,629,000				693,463				682,722				994,330				1,310,146				41,608				—				5,838,083
Farmland			27,169				274,103				72,016				81,613				120,284				230,060				45,813				—				851,058
5+ Multi-family			175,875				205,422				194,712				169,618				509,376				523,346				10,198				—				1,788,547
1-4 Family construction			27,446				53,800				2,036				239				518				—				3,574				—				87,613
General construction			290,623				909,104				777,647				623,551				383,963				41,025				103,504				37				3,129,454
Total Commercial real estate			1,280,439				4,202,128				2,334,806				2,111,109				2,946,474				3,501,095				250,982				37				16,627,070
Current period charge-offs			—				—				403				6,145				3,221				995				—				—				10,764
Consumer real estate:
HELOC			608				743				393				1,718				2,555				8,562				700,318				4,329				719,226
First lien: 1-4 family			164,414				602,689				341,374				347,866				608,389				1,513,971				6,914				90				3,585,707
Junior lien: 1-4 family			3,985				18,623				28,274				18,352				27,443				22,443				5,675				—				124,795
Total Consumer real estate			169,007				622,055				370,041				367,936				638,387				1,544,976				712,907				4,419				4,429,728
Current period charge-offs			—				—				—				367				64				82				—				—				513
Consumer:
Revolving line			—				1,485				34				22				48				595				147,111				2,749				152,044
Auto			2,427				7,166				6,322				8,319				4,283				876				—				—				29,393
Other			3,150				10,712				9,891				3,037				5,632				1,796				20,327				—				54,545
Total Consumer			5,577				19,363				16,247				11,378				9,963				3,267				167,438				2,749				235,982
Current period charge-offs			—				11				31				45				9				8				981				—				1,085
Credit cards:
Consumer			—				—				—				—				—				—				341,393				—				341,393
Commercial			—				—				—				—				—				—				376,438				—				376,438
Total Credit cards			—				—				—				—				—				—				717,831				—				717,831
Current period charge-offs			—				—				—				—				—				—				5,876				—				5,876
Leases and other:
Leases			—				—				—				—				—				1,186				—				—				1,186
Other			22,966				166,465				17,497				7,386				7,721				11,716				173,986				—				407,737
Total Leases and other			22,966				166,465				17,497				7,386				7,721				12,902				173,986				—				408,923
Current period charge-offs			—				—				—				—				—				—				—				—				—
Total loans		$	2,519,181			$	8,066,709			$	4,858,893			$	3,789,730			$	4,549,517			$	5,904,456			$	10,393,194			$	52,645			$	40,134,325

		December 31, 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		$	2,989,029			$	1,901,767			$	1,039,595			$	929,230			$	471,193			$	321,761			$	5,636,442			$	12,186			$	13,301,203
Agriculture			30,385				22,585				24,980				7,827				3,859				3,180				426,729				2,258				521,803
NDFIs			130,392				286,076				368,137				86,436				12,136				29,406				1,517,283				271				2,430,137
Overdrafts			—				—				—				—				—				—				17,377				—				17,377
Total Commercial and industrial			3,149,806				2,210,428				1,432,712				1,023,493				487,188				354,347				7,597,831				14,715				16,270,520
Specialty lending:
Asset-based lending			46,480				5,639				—				5,801				25,763				22,632				411,922				—				518,237
Total Specialty lending			46,480				5,639				—				5,801				25,763				22,632				411,922				—				518,237
Commercial real estate:
Owner-occupied			1,151,075				529,761				599,178				955,385				775,378				724,775				39,505				—				4,775,057
Non-owner-occupied			1,664,285				656,031				847,458				1,018,831				769,616				736,502				41,093				1,054				5,734,870
Farmland			258,796				74,542				85,814				131,009				83,613				163,318				66,403				75				863,570
5+ Multi-family			329,902				179,107				171,945				554,125				434,660				96,475				10,441				—				1,776,655
1-4 Family construction			75,849				11,564				240				520				—				—				1,301				—				89,474
General construction			1,099,253				868,115				719,128				373,196				28,313				16,273				32,335				—				3,136,613
Total Commercial real estate			4,579,160				2,319,120				2,423,763				3,033,066				2,091,580				1,737,343				191,078				1,129				16,376,239
Consumer real estate:
HELOC			2,748				399				756				2,075				577				7,784				698,503				5,331				718,173
First lien: 1-4 family			653,333				368,156				364,405				631,555				735,751				830,570				6,864				13				3,590,647
Junior lien: 1-4 family			20,458				31,221				19,212				28,538				17,405				6,048				4,766				—				127,648
Total Consumer real estate			676,539				399,776				384,373				662,168				753,733				844,402				710,133				5,344				4,436,468
Consumer:
Revolving line			1,485				34				23				49				24				526				160,454				102				162,697
Auto			8,179				7,292				9,743				5,307				1,118				248				—				—				31,887
Other			12,907				11,197				3,514				5,917				853				1,272				8,567				—				44,227
Total Consumer			22,571				18,523				13,280				11,273				1,995				2,046				169,021				102				238,811
Credit cards:
Consumer			—				—				—				—				—				—				347,749				—				347,749
Commercial			—				—				—				—				—				—				352,984				—				352,984
Total Credit cards			—				—				—				—				—				—				700,733				—				700,733
Leases and other:
Leases			—				—				—				—				—				1,214				—				—				1,214
Other			181,160				16,408				8,588				8,713				7,344				1,671				13,302				—				237,186
Total Leases and other			181,160				16,408				8,588				8,713				7,344				2,885				13,302				—				238,400
Total loans		$	8,655,716			$	4,969,894			$	4,262,716			$	4,744,514			$	3,367,603			$	2,963,655			$	9,794,020			$	21,290			$	38,779,408

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 March 31, 2026 and December 31, 2025 (in thousands):

		March 31, 2026
		Amortized Cost Basis by Origination Year - Term Loans
Risk by Collateral		2026				2025				2024				2023				2022				Prior				Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans				Total
Equipment/Accounts Receivable/Inventory
Pass		$	896,316			$	2,765,221			$	1,765,479			$	863,551			$	817,668			$	746,156			$	5,567,354			$	36,429			$	13,458,174
Special Mention			—				3,542				34,684				9,158				1,950				5,344				87,796				495				142,969
Substandard			48,008				20,662				7,077				35,179				54,962				10,705				136,347				8,037				320,977
Doubtful			—				4,171				4,070				81				4				—				463				—				8,789
Total Equipment/Accounts Receivable/Inventory		$	944,324			$	2,793,596			$	1,811,310			$	907,969			$	874,584			$	762,205			$	5,791,960			$	44,961			$	13,930,909
Agriculture
Pass		$	5,737			$	25,070			$	20,673			$	23,022			$	6,439			$	4,912			$	384,267			$	60			$	470,180
Special Mention			383				1,413				—				160				44				52				4,287				—				6,339
Substandard			124				174				297				119				99				528				11,871				419				13,631
Doubtful			500				—				—				—				—				—				—				—				500
Total Agriculture		$	6,744			$	26,657			$	20,970			$	23,301			$	6,582			$	5,492			$	400,425			$	479			$	490,650
NDFIs
Pass		$	39,118			$	190,605			$	274,405			$	357,842			$	57,247			$	27,160			$	1,642,072			$	—			$	2,588,449
Special Mention			—				—				—				—				—				—				32,686				—				32,686
Substandard			—				382				8,089				2,809				3,152				495				—				—				14,927
Doubtful			—				—				—				—				—				—				—				—				—
Total NDFIs		$	39,118			$	190,987			$	282,494			$	360,651			$	60,399			$	27,655			$	1,674,758			$	—			$	2,636,062

		December 31, 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		$	2,958,147			$	1,842,768			$	982,320			$	874,006			$	462,210			$	302,753			$	5,404,325			$	4,492			$	12,831,021
Special Mention			4,962				37,671				7,883				6,085				893				9,535				63,256				6,635				136,920
Substandard			21,647				17,207				49,292				49,139				8,090				9,473				168,348				1,059				324,255
Doubtful			4,273				4,121				100				—				—				—				513				—				9,007
Total Equipment/Accounts Receivable/Inventory		$	2,989,029			$	1,901,767			$	1,039,595			$	929,230			$	471,193			$	321,761			$	5,636,442			$	12,186			$	13,301,203
Agriculture
Pass		$	26,921			$	22,252			$	24,757			$	7,254			$	3,824			$	2,622			$	406,985			$	815			$	495,430
Special Mention			2,464				—				—				71				35				—				5,374				—				7,944
Substandard			1,000				333				223				502				—				558				14,370				—				16,986
Doubtful			—				—				—				—				—				—				—				1,443				1,443
Total Agriculture		$	30,385			$	22,585			$	24,980			$	7,827			$	3,859			$	3,180			$	426,729			$	2,258			$	521,803
NDFIs
Pass		$	129,859			$	277,053			$	364,738			$	82,934			$	11,470			$	29,289			$	1,489,473			$	221			$	2,385,037
Special Mention			—				—				—				—				2				—				27,810				50				27,862
Substandard			533				9,023				3,399				3,502				664				117				—				—				17,238
Doubtful			—				—				—				—				—				—				—				—				—
Total NDFIs		$	130,392			$	286,076			$	368,137			$	86,436			$	12,136			$	29,406			$	1,517,283			$	271			$	2,430,137

The following table provides a summary of the amortized cost balance by risk rating for asset-based loans as of March 31, 2026 and December 31, 2025 (in thousands):

		Asset-based lending
Risk		March 31, 2026				December 31, 2025
In-margin		$	646,027			$	518,237
Out-of-margin			—				—
Total		$	646,027			$	518,237

The following tables provide a summary of the amortized cost balance by collateral type and risk rating as of March 31, 2026 and December 31, 2025 (in thousands):

		March 31, 2026
		Amortized Cost Basis by Origination Year - Term Loans
Risk by Collateral		2026				2025				2024				2023				2022				Prior				Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans				Total
Owner-occupied
Pass		$	219,452			$	1,109,580			$	592,413			$	508,506			$	886,752			$	1,328,977			$	45,920			$	—			$	4,691,600
Special Mention			47,975				4,092				—				684				28,202				42,032				115				—				123,100
Substandard			5,085				17,027				2,519				44,176				23,049				25,509				250				—				117,615
Doubtful			—				—				—				—				—				—				—				—				—
Total Owner-occupied		$	272,512			$	1,130,699			$	594,932			$	553,366			$	938,003			$	1,396,518			$	46,285			$	—			$	4,932,315
Non-owner-occupied
Pass		$	476,564			$	1,593,597			$	689,553			$	659,208			$	957,239			$	1,273,746			$	36,646			$	—			$	5,686,553
Special Mention			2,140				23,348				1,924				16,508				7,676				9,284				—				—				60,880
Substandard			8,110				12,055				1,986				7,002				29,415				27,116				4,962				—				90,646
Doubtful			—				—				—				4				—				—				—				—				4
Total Non-owner-occupied		$	486,814			$	1,629,000			$	693,463			$	682,722			$	994,330			$	1,310,146			$	41,608			$	—			$	5,838,083
Farmland
Pass		$	24,816			$	241,285			$	64,835			$	61,873			$	105,761			$	188,096			$	44,750			$	—			$	731,416
Special Mention			1,634				23,809				888				—				113				1,989				—				—				28,433
Substandard			719				9,009				6,293				19,740				14,410				39,975				1,063				—				91,209
Doubtful			—				—				—				—				—				—				—				—				—
Total Farmland		$	27,169			$	274,103			$	72,016			$	81,613			$	120,284			$	230,060			$	45,813			$	—			$	851,058
5+ Multi-family
Pass		$	175,875			$	205,422			$	194,405			$	113,380			$	498,243			$	515,373			$	10,198			$	—			$	1,712,896
Special Mention			—				—				—				38,068				2,178				7,973				—				—				48,219
Substandard			—				—				307				18,170				8,955				—				—				—				27,432
Doubtful			—				—				—				—				—				—				—				—				—
Total 5+ Multi-family		$	175,875			$	205,422			$	194,712			$	169,618			$	509,376			$	523,346			$	10,198			$	—			$	1,788,547
1-4 Family construction
Pass		$	27,446			$	52,853			$	1,578			$	—			$	518			$	—			$	3,574			$	—			$	85,969
Special Mention			—				947				458				239				—				—				—				—				1,644
Substandard			—				—				—				—				—				—				—				—				—
Doubtful			—				—				—				—				—				—				—				—				—
Total 1-4 Family construction		$	27,446			$	53,800			$	2,036			$	239			$	518			$	—			$	3,574			$	—			$	87,613
General construction
Pass		$	288,830			$	893,824			$	774,737			$	588,032			$	345,428			$	28,037			$	96,254			$	37			$	3,015,179
Special Mention			—				14,574				2,910				—				18,916				1,882				—				—				38,282
Substandard			1,793				605				—				35,519				19,619				11,106				7,250				—				75,892
Doubtful			—				101				—				—				—				—				—				—				101
Total General construction		$	290,623			$	909,104			$	777,647			$	623,551			$	383,963			$	41,025			$	103,504			$	37			$	3,129,454

		December 31, 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		$	1,135,389			$	489,616			$	529,515			$	904,187			$	751,944			$	681,592			$	39,385			$	—			$	4,531,628
Special Mention			4,148				37,092				19,605				30,991				11,892				27,290				120				—				131,138
Substandard			11,538				3,053				50,058				20,207				11,542				15,893				—				—				112,291
Doubtful			—				—				—				—				—				—				—				—				—
Total Owner-occupied		$	1,151,075			$	529,761			$	599,178			$	955,385			$	775,378			$	724,775			$	39,505			$	—			$	4,775,057
Non-owner-occupied
Pass		$	1,619,478			$	652,107			$	827,493			$	974,293			$	749,272			$	716,905			$	36,134			$	1,054			$	5,576,736
Special Mention			23,339				1,950				—				19,994				745				12,307				—				—				58,335
Substandard			21,468				1,974				7,013				17,856				19,599				7,290				4,959				—				80,159
Doubtful			—				—				12,952				6,688				—				—				—				—				19,640
Total Non-owner-occupied		$	1,664,285			$	656,031			$	847,458			$	1,018,831			$	769,616			$	736,502			$	41,093			$	1,054			$	5,734,870
Farmland
Pass		$	230,559			$	67,852			$	65,697			$	116,281			$	80,909			$	124,702			$	65,013			$	75			$	751,088
Special Mention			18,101				342				—				115				120				1,869				—				—				20,547
Substandard			10,136				6,348				20,117				14,613				2,584				36,747				1,390				—				91,935
Doubtful			—				—				—				—				—				—				—				—				—
Total Farmland		$	258,796			$	74,542			$	85,814			$	131,009			$	83,613			$	163,318			$	66,403			$	75			$	863,570
5+ Multi-family
Pass		$	329,902			$	179,107			$	157,535			$	543,003			$	426,213			$	96,282			$	10,441			$	—			$	1,742,483
Special Mention			—				—				238				2,891				8,447				193				—				—				11,769
Substandard			—				—				14,172				8,231				—				—				—				—				22,403
Doubtful			—				—				—				—				—				—				—				—				—
Total 5+ Multi-family		$	329,902			$	179,107			$	171,945			$	554,125			$	434,660			$	96,475			$	10,441			$	—			$	1,776,655
1-4 Family construction
Pass		$	74,900			$	11,104			$	—			$	520			$	—			$	—			$	1,301			$	—			$	87,825
Special Mention			949				460				240				—				—				—				—				—				1,649
Substandard			—				—				—				—				—				—				—				—				—
Doubtful			—				—				—				—				—				—				—				—				—
Total 1-4 Family construction		$	75,849			$	11,564			$	240			$	520			$	—			$	—			$	1,301			$	—			$	89,474
General construction
Pass		$	1,078,840			$	865,015			$	684,507			$	333,717			$	23,062			$	14,951			$	25,085			$	—			$	3,025,177
Special Mention			14,579				3,100				128				18,919				1,903				29				—				—				38,658
Substandard			5,732				—				34,493				20,560				3,348				1,293				7,250				—				72,676
Doubtful			102				—				—				—				—				—				—				—				102
Total General construction		$	1,099,253			$	868,115			$	719,128			$	373,196			$	28,313			$	16,273			$	32,335			$	—			$	3,136,613

The following tables provide a summary of the amortized cost balance by collateral type and risk rating as of March 31, 2026 and December 31, 2025 (in thousands):

		March 31, 2026
		Amortized Cost Basis by Origination Year - Term Loans
Risk by Collateral		2026				2025				2024				2023				2022				Prior				Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans				Total
HELOC
Performing		$	608			$	731			$	87			$	1,006			$	1,693			$	6,526			$	700,053			$	3,300			$	714,004
Non-performing			—				12				306				712				862				2,036				265				1,029				5,222
Total HELOC		$	608			$	743			$	393			$	1,718			$	2,555			$	8,562			$	700,318			$	4,329			$	719,226
First lien: 1-4 family
Performing		$	164,306			$	601,150			$	340,836			$	342,779			$	601,532			$	1,504,128			$	6,914			$	90			$	3,561,735
Non-performing			108				1,539				538				5,087				6,857				9,843				—				—				23,972
Total First lien: 1-4 family		$	164,414			$	602,689			$	341,374			$	347,866			$	608,389			$	1,513,971			$	6,914			$	90			$	3,585,707
Junior lien: 1-4 family
Performing		$	3,985			$	18,623			$	27,987			$	18,291			$	27,326			$	22,117			$	5,675			$	—			$	124,004
Non-performing			—				—				287				61				117				326				—				—				791
Total Junior lien: 1-4 family		$	3,985			$	18,623			$	28,274			$	18,352			$	27,443			$	22,443			$	5,675			$	—			$	124,795

		December 31, 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		$	2,736			$	87			$	407			$	1,343			$	324			$	5,979			$	697,853			$	4,358			$	713,087
Non-performing			12				312				349				732				253				1,805				650				973				5,086
Total HELOC		$	2,748			$	399			$	756			$	2,075			$	577			$	7,784			$	698,503			$	5,331			$	718,173
First lien: 1-4 family
Performing		$	608,545			$	367,915			$	359,419			$	624,670			$	732,306			$	824,314			$	6,864			$	13			$	3,524,046
Non-performing			44,788				241				4,986				6,885				3,445				6,256				—				—				66,601
Total First lien: 1-4 family		$	653,333			$	368,156			$	364,405			$	631,555			$	735,751			$	830,570			$	6,864			$	13			$	3,590,647
Junior lien: 1-4 family
Performing		$	20,419			$	30,975			$	19,202			$	28,417			$	17,324			$	5,974			$	4,766			$	—			$	127,077
Non-performing			39				246				10				121				81				74				—				—				571
Total Junior lien: 1-4 family		$	20,458			$	31,221			$	19,212			$	28,538			$	17,405			$	6,048			$	4,766			$	—			$	127,648

The following tables provide a summary of the amortized cost balance by collateral type and risk rating as of March 31, 2026 and December 31, 2025 (in thousands):

		March 31, 2026
		Amortized Cost Basis by Origination Year - Term Loans
Risk by Collateral		2026				2025				2024				2023				2022				Prior				Amortized Cost - Revolving Loans				Amortized Cost - Revolving Loans Converted to Term Loans				Total
Revolving line
Performing		$	—			$	1,485			$	34			$	22			$	47			$	593			$	147,104			$	2,732			$	152,017
Non-performing			—				—				—				—				1				2				7				17				27
Total Revolving line		$	—			$	1,485			$	34			$	22			$	48			$	595			$	147,111			$	2,749			$	152,044
Auto
Performing		$	2,427			$	7,166			$	6,322			$	8,319			$	4,245			$	871			$	—			$	—			$	29,350
Non-performing			—				—				—				—				38				5				—				—				43
Total Auto		$	2,427			$	7,166			$	6,322			$	8,319			$	4,283			$	876			$	—			$	—			$	29,393
Other
Performing		$	3,150			$	10,709			$	9,872			$	3,037			$	5,613			$	1,770			$	20,327			$	—			$	54,478
Non-performing			—				3				19				—				19				26				—				—				67
Total Other		$	3,150			$	10,712			$	9,891			$	3,037			$	5,632			$	1,796			$	20,327			$	—			$	54,545

		December 31, 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		$	1,485			$	34			$	23			$	47			$	24			$	525			$	159,834			$	99			$	162,071
Non-performing			—				—				—				2				—				1				620				3				626
Total Revolving line		$	1,485			$	34			$	23			$	49			$	24			$	526			$	160,454			$	102			$	162,697
Auto
Performing		$	8,179			$	7,292			$	9,725			$	5,290			$	1,109			$	248			$	—			$	—			$	31,843
Non-performing			—				—				18				17				9				—				—				—				44
Total Auto		$	8,179			$	7,292			$	9,743			$	5,307			$	1,118			$	248			$	—			$	—			$	31,887
Other
Performing		$	12,905			$	11,161			$	3,514			$	5,893			$	849			$	1,245			$	8,567			$	—			$	44,134
Non-performing			2				36				—				24				4				27				—				—				93
Total Other		$	12,907			$	11,197			$	3,514			$	5,917			$	853			$	1,272			$	8,567			$	—			$	44,227

The following tables provide a summary of the amortized cost balance of consumer credit cards by risk rating as of March 31, 2026 and December 31, 2025 (in thousands):

		Consumer
Risk		March 31, 2026				December 31, 2025
Transactor accounts		$	122,494			$	123,445
Revolver accounts (by credit score):
Less than 600			12,922				13,123
600-619			6,657				7,127
620-639			11,911				12,243
640-659			19,360				19,679
660-679			20,322				20,261
680-699			22,516				22,814
700-719			24,366				25,385
720-739			21,141				22,547
740-759			20,345				19,838
760-779			19,859				19,864
780-799			18,143				18,774
800-819			11,588				11,782
820-839			5,551				6,151
840+			1,244				1,213
Total		$	338,419			$	344,246

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 March 31, 2026 and December 31, 2025 (in thousands):

		Consumer
Risk		March 31, 2026				December 31, 2025
61-90 Days		$	825			$	1,084
91-120 Days			813				848
121-150 Days			679				805
151-180 Days			657				766
Total		$	2,974			$	3,503

The following table provides a summary of the amortized cost balance of commercial credit cards by risk rating as of March 31, 2026 and December 31, 2025 (in thousands):

		Commercial
Risk		March 31, 2026				December 31, 2025
Current		$	347,195			$	330,585
Past Due			29,243				22,399
Total		$	376,438			$	352,984

The following table provides a summary of the amortized cost balance by collateral type and risk rating as of March 31, 2026 and December 31, 2025 (in thousands):

		Leases								Other
Risk		March 31, 2026				December 31, 2025				March 31, 2026				December 31, 2025
Pass		$	1,186			$	1,214			$	407,737			$	237,186
Special Mention			—				—				—				—
Substandard			—				—				—				—
Doubtful			—				—				—				—
Total		$	1,186			$	1,214			$	407,737			$	237,186

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 months ended March 31, 2026 and March 31, 2025 (in thousands):

		Three Months Ended March 31, 2026
		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		$	240,324			$	—			$	151,060			$	6,938			$	1,387			$	18,042			$	1,727			$	419,478			$	1,684			$	421,162
Charge-offs			(3,349	)			—				(10,764	)			(513	)			(1,085	)			(5,876	)			—				(21,587	)			—				(21,587	)
Recoveries			1,090				—				3				19				299				1,227				20				2,658				—				2,658
Provision			14,604				—				6,136				(1,310	)			718				5,138				41				25,327				1,673				27,000
Ending balance - ACL		$	252,669			$	—			$	146,435			$	5,134			$	1,319			$	18,531			$	1,788			$	425,876			$	3,357			$	429,233
Allowance for credit losses on off-balance sheet credit exposures:
Beginning balance		$	2,886			$	—			$	2,548			$	154			$	91			$	—			$	27			$	5,706			$	15			$	5,721
Provision			979				—				(940	)			(38	)			(14	)			—				4				(9	)			9				—
Ending balance - ACL on off-balance sheet		$	3,865			$	—			$	1,608			$	116			$	77			$	—			$	31			$	5,697			$	24			$	5,721

		Three Months Ended March 31, 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			35,143				—				26,764				206				13				—				—				62,126				—				62,126
Charge-offs			(25,996	)			—				(2,324	)			(1,229	)			(742	)			(6,676	)			—				(36,967	)			—				(36,967	)
Recoveries			69				—				—				16				119				891				—				1,095				—				1,095
Provision			21,986				—				47,565				1,478				1,132				11,508				(90	)			83,579				1,921				85,500
Ending balance - ACL		$	192,755			$	—			$	149,345			$	4,798			$	1,488			$	19,995			$	541			$	368,922			$	4,566			$	373,488
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			1,135				—				(521	)			5				34				—				(142	)			511				(11	)			500
Ending balance - ACL on off-balance sheet		$	5,535			$	—			$	2,412			$	138			$	91			$	—			$	35			$	8,211			$	10			$	8,221

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 March 31, 2026 and December 31, 2025 (in thousands):

		March 31, 2026
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		$	53,449			$	18,535			$	11,458
Agriculture			1,681				500				1,181
NDFIs			845				844				1
Total Commercial and industrial			55,975				19,879				12,640
Specialty lending:
Asset-based lending			—				—				—
Total Specialty lending			—				—				—
Commercial real estate:
Owner-occupied			16,496				6,427				10,069
Non-owner-occupied			28,907				4,486				5,306
Farmland			3,655				—				3,655
5+ Multi-family			14,324				—				14,324
1-4 Family construction			—				—				—
General construction			193				—				193
Total Commercial real estate			63,575				10,913				33,547
Consumer real estate:
HELOC			5,421				—				5,421
First lien: 1-4 family			24,827				52				23,818
Junior lien: 1-4 family			855				—				855
Total Consumer real estate			31,103				52				30,094
Consumer:
Revolving line			34				—				34
Auto			45				—				45
Other			68				—				68
Total Consumer			147				—				147
Leases and other:
Leases			—				—				—
Other			—				—				—
Total Leases and other			—				—				—
Total loans		$	150,800			$	30,844			$	76,428

		December 31, 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		$	23,594			$	10,741			$	9,274
Agriculture			2,186				687				743
NDFIs			853				—				853
Total Commercial and industrial			26,633				11,428				10,870
Specialty lending:
Asset-based lending			—				—				—
Total Specialty lending			—				—				—
Commercial real estate:
Owner-occupied			10,905				2,240				3,746
Non-owner-occupied			50,955				9,093				8,957
Farmland			3,389				—				3,389
5+ Multi-family			14,324				—				14,324
1-4 Family construction			—				—				—
General construction			7,408				161				5,700
Total Commercial real estate			86,981				11,494				36,116
Consumer real estate:
HELOC			5,319				—				5,319
First lien: 1-4 family			23,969				205				22,720
Junior lien: 1-4 family			622				—				622
Total Consumer real estate			29,910				205				28,661
Consumer:
Revolving line			633				—				633
Auto			47				—				47
Other			97				—				97
Total Consumer			777				—				777
Leases and other:
Leases			—				—				—
Other			—				—				—
Total Leases and other			—				—				—
Total loans		$	144,301			$	23,127			$	76,424

X

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

+ References

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

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

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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

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