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Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2025

Credit Loss [Abstract]

Schedule of Aging of the Company's Loan Portfolio

The tables below show the aging of the Company’s loan portfolio by the segmentation noted above at March 31, 2025, December 31, 2024 and March 31, 2024:

As of March 31, 2025									90+ days and still accruing						60-89 days past due						30-59 days past due
(In thousands)			Nonaccrual																								Current						Total Loans
Loan Balances (includes PCD):
Commercial
Commercial, industrial and other			$	70,560					$	46					$	15,243					$	97,397					$	15,748,080					$	15,931,326
Commercial real estate
Construction and development			3,613						—						820						3,994						2,440,454						2,448,881
Non-construction			22,574						—						6,175						79,659						10,357,612						10,466,020
Home equity			2,070						—						984						3,403						449,226						455,683
Residential real estate, excluding early buy-out loans			22,522						—						1,351						38,943						3,498,601						3,561,417
Premium finance receivables
Property and casualty insurance loans			29,846						18,081						19,717						39,459						7,132,759						7,239,862
Life insurance loans			—						2,962						10,587						29,924						8,321,667						8,365,140
Consumer and other			18						98						162						542						115,499						116,319
Total loans, net of unearned income, excluding early buy-out loans			$	151,203					$	21,187					$	55,039					$	293,321					$	48,063,898					$	48,584,648
Early buy-out loans guaranteed by U.S. government agencies (1)			—						30,460						1,457						2,125						89,700						123,742
Total loans, net of unearned income			$	151,203					$	51,647					$	56,496					$	295,446					$	48,153,598					$	48,708,390

As of December 31, 2024									90+ days and still accruing						60-89 days past due						30-59 days past due
(In thousands)			Nonaccrual																								Current						Total Loans
Loan Balances (includes PCD):
Commercial
Commercial, industrial and other			$	73,490					$	104					$	54,844					$	92,551					$	15,353,562					$	15,574,551
Commercial real estate
Construction and development			2,282						—						1,339						4,634						2,425,826						2,434,081
Non-construction			18,760						—						9,182						26,132						10,415,789						10,469,863
Home equity			1,117						—						1,233						2,148						440,530						445,028
Residential real estate, excluding early buy-out loans			23,762						—						5,708						18,917						3,407,622						3,456,009
Premium finance receivables
Property and casualty insurance loans			28,797						16,031						19,042						68,219						7,139,953						7,272,042
Life insurance loans			6,431						—						72,963						36,405						8,031,346						8,147,145
Consumer and other			2						47						59						882						98,572						99,562
Total loans, net of unearned income, excluding early buy-out loans			$	154,641					$	16,182					$	164,370					$	249,888					$	47,313,200					$	47,898,281
Early buy-out loans guaranteed by U.S. government agencies (1)			—						33,952						618						2,335						119,851						156,756
Total loans, net of unearned income			$	154,641					$	50,134					$	164,988					$	252,223					$	47,433,051					$	48,055,037

(1)Early buy-out loans are insured or guaranteed by the Federal Housing Administration (FHA) or the U.S. Department of Veterans Affairs, subject to indemnifications and insurance limits for certain loans.

As of March 31, 2024									90+ days and still accruing						60-89 days past due						30-59 days past due
(In thousands)			Nonaccrual																								Current						Total Loans
Loan Balances (includes PCD):
Commercial
Commercial, industrial and other			$	31,740					$	27					$	30,248					$	77,715					$	13,363,751					$	13,503,481
Commercial real estate
Construction and development			1,627						—						818						7,066						2,140,803						2,150,314
Non-construction			37,635						—						15,895						25,932						9,403,661						9,483,123
Home equity			838						—						212						1,617						337,682						340,349
Residential real estate, excluding early buy-out loans			17,901						—						—						24,523						2,704,492						2,746,916
Premium finance receivables
Property and casualty insurance loans			32,648						25,877						15,274						59,729						6,806,491						6,940,019
Life insurance loans			—						—						32,482						100,137						7,739,414						7,872,033
Consumer and other			19						47						16						210						50,829						51,121
Total loans, net of unearned income, excluding early buy-out loans			$	122,408					$	25,951					$	94,945					$	296,929					$	42,547,123					$	43,087,356
Early buy-out loans guaranteed by U.S. government agencies (1)			—						50,217						—						1,047						92,086						143,350
Total loans, net of unearned income			$	122,408					$	76,168					$	94,945					$	297,976					$	42,639,209					$	43,230,706

(1)Early buy-out loans are insured or guaranteed by the Federal Housing Administration (FHA) or the U.S. Department of Veterans Affairs, subject to indemnifications and insurance limits for certain loans.

Schedule of Loan Portfolio by Credit Quality Indicator

The table below shows the Company’s loan portfolio by credit quality indicator and year of origination at March 31, 2025:

			Year of Origination																								Revolving						Total
(In thousands)			2025			2024			2023			2022			2021			Prior						Revolving			to Term						Loans
Loan Balances:
Commercial, industrial and other
Pass			$	962,463		$	3,196,212		$	2,028,320		$	1,467,054		$	1,049,258		$	1,321,270					$	5,220,680		$	4,004					$	15,249,261
Special mention			327			14,077			90,207			62,439			44,650			17,495						173,427			1,162						403,784
Substandard accrual			197			6,030			17,208			56,774			35,016			14,142						76,970			1,384						207,721
Substandard nonaccrual/doubtful			—			1,644			7,027			20,102			8,837			6,512						26,354			84						70,560
Total commercial, industrial and other			$	962,987		$	3,217,963		$	2,142,762		$	1,606,369		$	1,137,761		$	1,359,419					$	5,497,431		$	6,634					$	15,931,326
Construction and development
Pass			$	32,130		$	453,983		$	610,151		$	787,344		$	152,775		$	156,009					$	23,362		$	—					$	2,215,754
Special mention			—			—			2,511			143,224			19,000			—						—			—						164,735
Substandard accrual			—			—			752			—			1,211			59,176						3,640			—						64,779
Substandard nonaccrual/doubtful			—			—			251			1,331			—			2,031						—			—						3,613
Total construction and development			$	32,130		$	453,983		$	613,665		$	931,899		$	172,986		$	217,216					$	27,002		$	—					$	2,448,881
Non-construction
Pass			$	390,334		$	1,391,830		$	1,426,474		$	1,756,751		$	1,326,456		$	3,559,520					$	253,772		$	—					$	10,105,137
Special mention			99			11,149			32,632			48,810			17,951			44,048						1,414			—						156,103
Substandard accrual			—			6,146			3,366			41,015			65,702			65,145						832			—						182,206
Substandard nonaccrual/doubtful			—			—			1,376			1,298			151			19,749						—			—						22,574
Total non-construction			$	390,433		$	1,409,125		$	1,463,848		$	1,847,874		$	1,410,260		$	3,688,462					$	256,018		$	—					$	10,466,020
Home equity
Pass			$	—		$	70		$	—		$	89		$	—		$	12,842					$	423,925		$	2,934					$	439,860
Special mention			—			—			44			217			—			3,210						5,076			—						8,547
Substandard accrual			—			—			15			—			—			4,312						879			—						5,206
Substandard nonaccrual/doubtful			—			—			—			336			209			799						726			—						2,070
Total home equity			$	—		$	70		$	59		$	642		$	209		$	21,163					$	430,606		$	2,934					$	455,683
Residential real estate
Early buy-out loans guaranteed by U.S. government agencies			$	—		$	—		$	3,910		$	2,468		$	3,699		$	113,665					$	—		$	—					$	123,742
Pass			169,711			864,689			481,004			799,299			747,872			445,181						—			—						3,507,756

Special mention			—			330			2,046			4,012			1,327			8,989						—			—						16,704
Substandard accrual			61			688			854			6,603			1,730			4,499						—			—						14,435
Substandard nonaccrual/doubtful			—			154			4,934			4,482			5,876			7,076						—			—						22,522
Total residential real estate			$	169,772		$	865,861		$	492,748		$	816,864		$	760,504		$	579,410					$	—		$	—					$	3,685,159
Premium finance receivables - property and casualty
Pass			$	3,558,629		$	3,546,697		$	12,676		$	3,618		$	3,149		$	—					$	—		$	—					$	7,124,769
Special mention			19,264			55,065			3			4			—			—						—			—						74,336
Substandard accrual			2,194			8,710			2			2			3			—						—			—						10,911
Substandard nonaccrual/doubtful			184			26,812			2,822			22			6			—						—			—						29,846
Total premium finance receivables - property and casualty			$	3,580,271		$	3,637,284		$	15,503		$	3,646		$	3,158		$	—					$	—		$	—					$	7,239,862
Premium finance receivables - life (1)
Pass			$	123,243		$	632,441		$	509,210		$	675,935		$	1,016,825		$	5,402,741					$	—		$	—					$	8,360,395
Special mention			—			—			—			—			—			—						—			—						—
Substandard accrual			—			—			380			—			—			4,365						—			—						4,745
Substandard nonaccrual/doubtful			—			—			—			—			—			—						—			—						—
Total premium finance receivables - life			$	123,243		$	632,441		$	509,590		$	675,935		$	1,016,825		$	5,407,106					$	—		$	—					$	8,365,140
Consumer and other
Pass			$	1,501		$	3,617		$	2,739		$	553		$	715		$	43,118					$	63,776		$	—					$	116,019
Special mention			—			36			11			4			—			5						114			—						170
Substandard accrual			—			3			2			83			—			17						7			—						112
Substandard nonaccrual/doubtful			—			14			1			—			—			3						—			—						18
Total consumer and other			$	1,501		$	3,670		$	2,753		$	640		$	715		$	43,143					$	63,897		$	—					$	116,319
Total loans
Early buy-out loans guaranteed by U.S. government agencies			$	—		$	—		$	3,910		$	2,468		$	3,699		$	113,665					$	—		$	—					$	123,742
Pass			5,238,011			10,089,539			5,070,574			5,490,643			4,297,050			10,940,681						5,985,515			6,938						47,118,951
Special mention			19,690			80,657			127,454			258,710			82,928			73,747						180,031			1,162						824,379
Substandard accrual			2,452			21,577			22,579			104,477			103,662			151,656						82,328			1,384						490,115
Substandard nonaccrual/doubtful			184			28,624			16,411			27,571			15,079			36,170						27,080			84						151,203
Total loans			$	5,260,337		$	10,220,397		$	5,240,928		$	5,883,869		$	4,502,418		$	11,315,919					$	6,274,954		$	9,568					$	48,708,390
Gross write offs
Three months ended March 31, 2025			123			7,686			1,810			2,090			1,829			3,911						—			—						17,449

(1)For premium finance receivables - life, the year of origination represents when the borrower’s master loan agreement was initially established.

Schedule of Held-to-Maturity Debt Securities by Credit Quality Indicator

For purposes of the table below, the Company has converted any issuer rating from an NRSRO into the Company’s internal ratings based on Investment Policy and review by the Company’s management.

As of March 31, 2025			Year of Origination																					Total
(In thousands)			2025			2024			2023			2022			2021			Prior						Balance
Amortized Cost Balances:
U.S. government agencies
1-4 internal grade			$	—		$	—		$	—		$	135,000		$	147,822		$	30,717					$	313,539
5-7 internal grade			—			—			—			—			—			—						—
8-10 internal grade			—			—			—			—			—			—						—
Total U.S. government agencies			$	—		$	—		$	—		$	135,000		$	147,822		$	30,717					$	313,539
Municipal
1-4 internal grade			$	—		$	—		$	4,176		$	1,031		$	6,791		$	144,185					$	156,183
5-7 internal grade			—			—			—			—			—			2,124						2,124
8-10 internal grade			—			—			—			—			—			—						—
Total municipal			$	—		$	—		$	4,176		$	1,031		$	6,791		$	146,309					$	158,307
Mortgage-backed securities
1-4 internal grade			$	—		$	—		$	323,079		$	521,866		$	2,191,464		$	—					$	3,036,409
5-7 internal grade			—			—			—			—			—			—						—
8-10 internal grade			—			—			—			—			—			—						—
Total mortgage-backed securities			$	—		$	—		$	323,079		$	521,866		$	2,191,464		$	—					$	3,036,409
Corporate notes
1-4 internal grade			$	—		$	—		$	—		$	14,970		$	—		$	41,711					$	56,681
5-7 internal grade			—			—			—			—			—			—						—
8-10 internal grade			—			—			—			—			—			—						—
Total corporate notes			$	—		$	—		$	—		$	14,970		$	—		$	41,711					$	56,681
Total held-to-maturity securities																								$	3,564,936
Less: Allowance for credit losses																								(446)
Held-to-maturity securities, net of allowance for credit losses																								$	3,564,490

Schedule of Allowance for Credit Losses

As significant judgment is required, the review of the appropriateness of the allowance for credit losses is performed quarterly by various committees with participation by the Company's executive management.

						March 31,																		December 31,						March 31,
(In thousands)						2025																		2024						2024
Allowance for loan losses						$	378,207																	$	364,017					$	348,612
Allowance for unfunded lending-related commitments losses						69,734																		72,586						78,563
Allowance for loan losses and unfunded lending-related commitments losses						447,941																		436,603						427,175
Allowance for held-to-maturity securities losses						446																		457						329
Allowance for credit losses						$	448,387																	$	437,060					$	427,504

Schedule of Activity in the Allowance for Credit Losses by Loan Portfolio

A summary of activity in the allowance for credit losses, specifically for the loan portfolio (i.e. allowance for loan losses and allowance for unfunded commitment losses), for the three months ended March 31, 2025 and March 31, 2024 is as follows:

Three months ended March 31, 2025									Commercial Real Estate						Home  Equity						Residential Real Estate						Premium Finance Receivables						Consumer and Other						Total Loans
(In thousands)			Commercial
Allowance for credit losses at beginning of period			$	175,837					$	222,856					$	8,943					$	10,335					$	17,820					$	812					$	436,603
Other adjustments			—						—						—						—						4						—						4
Charge-offs			(9,722)						(454)						—						—						(7,126)						(147)						(17,449)
Recoveries			929						12						216						136						3,487						29						4,809
Provision for credit losses - Other			34,139						(12,404)						(20)						181						1,854						224						23,974
Allowance for credit losses at period end			$	201,183					$	210,010					$	9,139					$	10,652					$	16,039					$	918					$	447,941
By measurement method:
Individually measured			$	25,278					$	6,772					$	85					$	43					$	—					$	14					$	32,192
Collectively measured			175,905						203,238						9,054						10,609						16,039						904						415,749
Loans at period end
Individually measured			$	70,560					$	26,187					$	2,070					$	22,434					$	—					$	18					$	121,269
Collectively measured			15,860,766						12,888,714						453,613						3,536,204						15,605,002						116,301						48,460,600
Loans held at fair value			—						—						—						126,521						—						—						126,521

Three months ended March 31, 2024			Commercial						Commercial Real Estate						Home  Equity						Residential Real Estate						Premium Finance Receivables						Consumer and Other						Total Loans
(In thousands)
Allowance for credit losses at beginning of period			$	169,604					$	223,853					$	7,116					$	13,133					$	13,069					$	490					$	427,265
Other adjustments			—						—						—						—						(31)						—						(31)
Charge-offs			(11,215)						(5,469)						(74)						(38)						(6,938)						(107)						(23,841)
Recoveries			479						31						29						2						1,527						23						2,091
Provision for credit losses			7,650						7,637						120						604						5,703						(23)						21,691
Allowance for credit losses at period end			$	166,518					$	226,052					$	7,191					$	13,701					$	13,330					$	383					$	427,175
By measurement method:
Individually measured			$	13,989					$	1,784					$	—					$	59					$	—					$	9					$	15,841
Collectively measured			152,529						224,268						7,191						13,642						13,330						374						411,334
Loans at period end
Individually measured			$	31,740					$	39,262					$	838					$	17,509					$	—					$	19					$	89,368
Collectively measured			13,471,741						11,594,175						339,511						2,728,392						14,812,052						51,102						42,996,973
Loans held at fair value			—						—						—						144,365						—						—						144,365

Schedule of Modification of Loans

The tables below presents a summary of the period-end balance of loans to borrowers experiencing financial difficulties during the three months ended March 31, 2025 and 2024:

Three Months Ended March 31, 2025  (Dollars in thousands)						Total						Percentage of Total Class of Loan						Extension of Term						Reduction of  Interest Rate						Interest Only Payments						Delay in Contractual Payments						Extension of Term and Reduction of Interest Rate
Commercial
Commercial, industrial and other						$	18,948					0.3		%				$	18,624					$	—					$	32					$	—					$	292
Commercial real estate
Construction and development						—						—						—						—						—						—						—
Non-construction						—						—						—						—						—						—						—
Home equity						—						—						—						—						—						—						—
Residential real estate						873						0.0						163						—						—						—						710
Premium Finance Receivables
Property and casualty insurance loans						—						—						—						—						—						—						—
Total loans						$	19,821					0.0		%				$	18,787					$	—					$	32					$	—					$	1,002

												Weighted Average Magnitude of Modifications:
Three Months Ended March 31, 2025  (Dollars in thousands)						Total						Duration of Extension of Term (months)						Reduction of  Interest Rate (bps)						Duration of Delay in Contractual Payments (months)
Commercial
Commercial, industrial and other						$	18,948					7						25						—
Commercial real estate
Construction and development						—						—						—						—
Non-construction						—						—						—						—
Home equity						—						—						—						—
Residential real estate						873						48						162						—
Premium finance receivables
Property and casualty insurance loans						—						—						—						—
Total loans						$	19,821					8						131						$	—

Three Months Ended March 31, 2024 (Dollars in thousands)						Total						Percentage of Total Class of Loan						Extension of Term						Reduction of  Interest Rate						Delay in Contractual Payments						Extension of Term and Reduction of Interest Rate
Commercial
Commercial, industrial and other						$	1,629					0.0		%				$	1,502					$	—					$	—					$	127
Commercial real estate
Non-construction						1,176						0.0						293						—						883						—
Home equity						98						0.0						98						—						—						—
Residential real estate						218						0.0						35						183						—						—
Premium finance receivables
Property and casualty insurance loans						1						0.0						1						—						—						—
Total loans						$	3,122					0.0		%				$	1,929					$	183					$	883					$	127

												Weighted Average Magnitude of Modifications:
Three Months Ended March 31, 2024 (Dollars in thousands)						Total						Duration of Extension of Term (months)						Reduction of  Interest Rate (bps)						Duration of Delay in Contractual Payments (months)
Commercial
Commercial, industrial and other						$	1,629					10						219						—
Commercial real estate
Non-construction						1,176						47						—						16
Home equity						98						12						—						—
Residential real estate						218						37						201						—
Premium finance receivables
Property and casualty insurance loans						1						0						—						—
Total loans						$	3,122					16						215						16

Schedule of Loans for Borrowers Experiencing Financial Difficulties Modified

The following table presents a summary of all modified loans for borrowers experiencing financial difficulties and such loans that were in payment default under the restructured terms during the respective periods below:

(Dollars in thousands)									For the Twelve Months Ended March 31, 2025												Three Months Ended March 31, 2025															For the Twelve Months Ended March 31, 2024						Three Months Ended March 31, 2024
									Total												Payments in Default  (1)															Total						Payments in Default  (1)
Commercial
Commercial, industrial and other									$	29,487											$	117														$	16,011					$	244
Commercial real estate
Construction and development									701												—															2,495						—
Non-construction									379												—															6,161						603
Home equity									—												—															616						19
Residential real estate									874												710															612						144
Premium finance receivables
Property and casualty insurance loans									676												—															81						—
Total loans									$	32,117											$	827														$	25,976					$	1,010

(1)Modified loans considered to be in payment default are over 30 days past due subsequent to the restructuring.

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