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v3.25.2

Allowance for Credit Losses (Tables) | 6 Months Ended
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Jun. 30, 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 June 30, 2025, December 31, 2024 and June 30, 2024:
As of June 30, 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 | $ | 80,877 |  |  | $ | — |  |  | $ | 34,855 |  |  | $ | 45,103 |  |  | $ | 16,226,596 |  |  | $ | 16,387,431 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |
Construction and development | 3,200 |  |  | — |  |  | 3,271 |  |  | 1,721 |  |  | 2,520,925 |  |  | 2,529,117 |
Non-construction | 29,628 |  |  | — |  |  | 7,986 |  |  | 49,452 |  |  | 10,675,827 |  |  | 10,762,893 |
Home equity | 1,780 |  |  | — |  |  | 138 |  |  | 2,971 |  |  | 461,926 |  |  | 466,815 |
Residential real estate, excluding early buy-out loans | 28,047 |  |  | — |  |  | 8,954 |  |  | 38 |  |  | 3,777,676 |  |  | 3,814,715 |
Premium finance receivables—property & casualty | 30,404 |  |  | 14,350 |  |  | 25,641 |  |  | 29,460 |  |  | 8,223,321 |  |  | 8,323,176 |
Premium finance receivables—life insurance | — |  |  | 327 |  |  | 11,202 |  |  | 34,403 |  |  | 8,461,028 |  |  | 8,506,960 |
Consumer and other | 41 |  |  | 184 |  |  | 61 |  |  | 175 |  |  | 116,044 |  |  | 116,505 |
Total loans, net of unearned income, excluding early buy-out loans | $ | 173,977 |  |  | $ | 14,861 |  |  | $ | 92,108 |  |  | $ | 163,323 |  |  | $ | 50,463,343 |  |  | $ | 50,907,612 |
Early buy-out loans guaranteed by U.S. government agencies (1) | — |  |  | 50,639 |  |  | — |  |  | — |  |  | 83,428 |  |  | 134,067 |
Total loans, net of unearned income | $ | 173,977 |  |  | $ | 65,500 |  |  | $ | 92,108 |  |  | $ | 163,323 |  |  | $ | 50,546,771 |  |  | $ | 51,041,679 |
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 | $ | 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 & casualty | 28,797 |  |  | 16,031 |  |  | 19,042 |  |  | 68,219 |  |  | 7,139,953 |  |  | 7,272,042 |  |  |
Premium finance receivables—life insurance | 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 June 30, 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 | $ | 51,087 |  |  | $ | 304 |  |  | $ | 16,485 |  |  | $ | 36,358 |  |  | $ | 14,050,228 |  |  | $ | 14,154,462 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |
Construction and development | 2,528 |  |  | — |  |  | 1,699 |  |  | 6,539 |  |  | 2,249,785 |  |  | 2,260,551 |
Non-construction | 45,761 |  |  | — |  |  | 4,856 |  |  | 31,526 |  |  | 9,604,503 |  |  | 9,686,646 |
Home equity | 1,100 |  |  | — |  |  | 275 |  |  | 1,229 |  |  | 353,709 |  |  | 356,313 |
Residential real estate, excluding early buy-out loans | 18,198 |  |  | — |  |  | 1,977 |  |  | 130 |  |  | 2,912,852 |  |  | 2,933,157 |
Premium finance receivables—property & casualty | 32,722 |  |  | 22,427 |  |  | 29,925 |  |  | 45,927 |  |  | 6,969,752 |  |  | 7,100,753 |
Premium finance receivables—life insurance | — |  |  | — |  |  | 4,118 |  |  | 17,693 |  |  | 7,940,304 |  |  | 7,962,115 |
Consumer and other | 3 |  |  | 121 |  |  | 81 |  |  | 366 |  |  | 86,785 |  |  | 87,356 |
Total loans, net of unearned income, excluding early buy-out loans | $ | 151,399 |  |  | $ | 22,852 |  |  | $ | 59,416 |  |  | $ | 139,768 |  |  | $ | 44,167,918 |  |  | $ | 44,541,353 |
Early buy-out loans guaranteed by U.S. government agencies (1) | — |  |  | 45,788 |  |  | — |  |  | — |  |  | 88,390 |  |  | 134,178 |
Total loans, net of unearned income | $ | 151,399 |  |  | $ | 68,640 |  |  | $ | 59,416 |  |  | $ | 139,768 |  |  | $ | 44,256,308 |  |  | $ | 44,675,531 |
(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 June 30, 2025:
| Year of Origination |  |  | Revolving |  | Total
(In thousands) | 2025 | 2024 | 2023 | 2022 | 2021 | Prior |  | Revolving | to Term |  | Loans
Loan Balances: |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,861,744 |  | $ | 2,991,867 |  | $ | 1,892,313 |  | $ | 1,365,222 |  | $ | 976,723 |  | $ | 1,209,968 |  |  | $ | 5,460,274 |  | $ | 22,740 |  |  | $ | 15,780,851 |
Special mention | 855 |  | 31,875 |  | 46,077 |  | 46,868 |  | 19,606 |  | 6,020 |  |  | 143,556 |  | 2,333 |  |  | 297,190 |
Substandard accrual | 2,331 |  | 16,092 |  | 27,411 |  | 58,712 |  | 41,344 |  | 15,366 |  |  | 65,095 |  | 2,162 |  |  | 228,513 |
Substandard nonaccrual/doubtful | 191 |  | 2,562 |  | 6,865 |  | 22,892 |  | 23,196 |  | 4,910 |  |  | 19,917 |  | 344 |  |  | 80,877 |
Total commercial, industrial and other | $ | 1,865,121 |  | $ | 3,042,396 |  | $ | 1,972,666 |  | $ | 1,493,694 |  | $ | 1,060,869 |  | $ | 1,236,264 |  |  | $ | 5,688,842 |  | $ | 27,579 |  |  | $ | 16,387,431 |
Construction and development |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 97,381 |  | $ | 594,804 |  | $ | 618,976 |  | $ | 656,080 |  | $ | 92,674 |  | $ | 138,854 |  |  | $ | 27,249 |  | $ | — |  |  | $ | 2,226,018 |
Special mention | — |  | — |  | 29,418 |  | 216,463 |  | 17,954 |  | 16,016 |  |  | — |  | — |  |  | 279,851 |
Substandard accrual | — |  | — |  | 750 |  | — |  | — |  | 15,507 |  |  | 3,791 |  | — |  |  | 20,048 |
Substandard nonaccrual/doubtful | — |  | — |  | 251 |  | 1,322 |  | — |  | 1,627 |  |  | — |  | — |  |  | 3,200 |
Total construction and development | $ | 97,381 |  | $ | 594,804 |  | $ | 649,395 |  | $ | 873,865 |  | $ | 110,628 |  | $ | 172,004 |  |  | $ | 31,040 |  | $ | — |  |  | $ | 2,529,117 |
Non-construction |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 917,625 |  | $ | 1,325,021 |  | $ | 1,393,425 |  | $ | 1,761,340 |  | $ | 1,338,836 |  | $ | 3,394,943 |  |  | $ | 251,779 |  | $ | 1,496 |  |  | $ | 10,384,465 |
Special mention | 95 |  | 851 |  | 42,162 |  | 21,645 |  | 36,419 |  | 41,316 |  |  | 2,316 |  | — |  |  | 144,804 |
Substandard accrual | — |  | 19,905 |  | 2,371 |  | 70,854 |  | 57,748 |  | 52,286 |  |  | 832 |  | — |  |  | 203,996 |
Substandard nonaccrual/doubtful | 1,257 |  | — |  | 1,363 |  | 305 |  | 151 |  | 26,552 |  |  | — |  | — |  |  | 29,628 |
Total non-construction | $ | 918,977 |  | $ | 1,345,777 |  | $ | 1,439,321 |  | $ | 1,854,144 |  | $ | 1,433,154 |  | $ | 3,515,097 |  |  | $ | 254,927 |  | $ | 1,496 |  |  | $ | 10,762,893 |
Home equity |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 4 |  | $ | 240 |  | $ | 48 |  | $ | 379 |  | $ | 306 |  | $ | 13,167 |  |  | $ | 432,865 |  | $ | 5,107 |  |  | $ | 452,116 |
Special mention | — |  | 10 |  | 51 |  | 217 |  | — |  | 2,471 |  |  | 5,021 |  | — |  |  | 7,770 |
Substandard accrual | — |  | — |  | 15 |  | 27 |  | 29 |  | 3,695 |  |  | 1,383 |  | — |  |  | 5,149 |
Substandard nonaccrual/doubtful | — |  | 711 |  | — |  | 88 |  | 202 |  | 779 |  |  | — |  | — |  |  | 1,780 |
Total home equity | $ | 4 |  | $ | 961 |  | $ | 114 |  | $ | 711 |  | $ | 537 |  | $ | 20,112 |  |  | $ | 439,269 |  | $ | 5,107 |  |  | $ | 466,815 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |
Early buy-out loans guaranteed by U.S. government agencies | $ | — |  | $ | 3,819 |  | $ | 9,245 |  | $ | 5,931 |  | $ | 6,016 |  | $ | 109,056 |  |  | $ | — |  | $ | — |  |  | $ | 134,067 |
Pass | 543,216 |  | 817,417 |  | 450,707 |  | 779,797 |  | 733,763 |  | 428,540 |  |  | — |  | — |  |  | 3,753,440 |
Special mention | — |  | 426 |  | 5,908 |  | 5,601 |  | 2,019 |  | 9,538 |  |  | — |  | — |  |  | 23,492 |
Substandard accrual | 61 |  | 137 |  | 710 |  | 3,372 |  | 1,679 |  | 3,777 |  |  | — |  | — |  |  | 9,736 |
Substandard nonaccrual/doubtful | — |  | 971 |  | 5,031 |  | 6,941 |  | 7,000 |  | 8,104 |  |  | — |  | — |  |  | 28,047 |
Total residential real estate | $ | 543,277 |  | $ | 822,770 |  | $ | 471,601 |  | $ | 801,642 |  | $ | 750,477 |  | $ | 559,015 |  |  | $ | — |  | $ | — |  |  | $ | 3,948,782 |
Premium finance receivables - property and casualty |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 6,914,153 |  | $ | 1,255,016 |  | $ | 6,805 |  | $ | 2,107 |  | $ | 2,083 |  | $ | — |  |  | $ | — |  | $ | — |  |  | $ | 8,180,164 |
Special mention | 71,899 |  | 19,086 |  | 7 |  | — |  | — |  | — |  |  | — |  | — |  |  | 90,992 |
Substandard accrual | 10,739 |  | 10,871 |  | — |  | 4 |  | 2 |  | — |  |  | — |  | — |  |  | 21,616 |
Substandard nonaccrual/doubtful | 6,191 |  | 23,797 |  | 414 |  | — |  | 2 |  | — |  |  | — |  | — |  |  | 30,404 |
Total premium finance receivables - property and casualty | $ | 7,002,982 |  | $ | 1,308,770 |  | $ | 7,226 |  | $ | 2,111 |  | $ | 2,087 |  | $ | — |  |  | $ | — |  | $ | — |  |  | $ | 8,323,176 |
Premium finance receivables - life (1) |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 278,040 |  | $ | 670,927 |  | $ | 500,062 |  | $ | 700,495 |  | $ | 1,042,504 |  | $ | 5,314,605 |  |  | $ | — |  | $ | — |  |  | $ | 8,506,633 |
Special mention | — |  | — |  | — |  | — |  | — |  | — |  |  | — |  | — |  |  | — |
Substandard accrual | — |  | — |  | — |  | — |  | — |  | 327 |  |  | — |  | — |  |  | 327 |
Substandard nonaccrual/doubtful | — |  | — |  | — |  | — |  | — |  | — |  |  | — |  | — |  |  | — |
Total premium finance receivables - life | $ | 278,040 |  | $ | 670,927 |  | $ | 500,062 |  | $ | 700,495 |  | $ | 1,042,504 |  | $ | 5,314,932 |  |  | $ | — |  | $ | — |  |  | $ | 8,506,960 |
Consumer and other |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 3,702 |  | $ | 2,988 |  | $ | 2,129 |  | $ | 434 |  | $ | 672 |  | $ | 35,045 |  |  | $ | 71,211 |  | $ | — |  |  | $ | 116,181 |
Special mention | 15 |  | 39 |  | 2 |  | 3 |  | — |  | 109 |  |  | 6 |  | — |  |  | 174 |
Substandard accrual | — |  | 4 |  | 1 |  | 82 |  | — |  | 16 |  |  | 6 |  | — |  |  | 109 |
Substandard nonaccrual/doubtful | — |  | 3 |  | 1 |  | — |  | — |  | 37 |  |  | — |  | — |  |  | 41 |
Total consumer and other | $ | 3,717 |  | $ | 3,034 |  | $ | 2,133 |  | $ | 519 |  | $ | 672 |  | $ | 35,207 |  |  | $ | 71,223 |  | $ | — |  |  | $ | 116,505 |
Total loans |  |  |  |  |  |  |  |  |  |  |
Early buy-out loans guaranteed by U.S. government agencies | $ | — |  | $ | 3,819 |  | $ | 9,245 |  | $ | 5,931 |  | $ | 6,016 |  | $ | 109,056 |  |  | $ | — |  | $ | — |  |  | $ | 134,067 |
Pass | 10,615,865 |  | 7,658,280 |  | 4,864,465 |  | 5,265,854 |  | 4,187,561 |  | 10,535,122 |  |  | 6,243,378 |  | 29,343 |  |  | 49,399,868 |
Special mention | 72,864 |  | 52,287 |  | 123,625 |  | 290,797 |  | 75,998 |  | 75,470 |  |  | 150,899 |  | 2,333 |  |  | 844,273 |
Substandard accrual | 13,131 |  | 47,009 |  | 31,258 |  | 133,051 |  | 100,802 |  | 90,974 |  |  | 71,107 |  | 2,162 |  |  | 489,494 |
Substandard nonaccrual/doubtful | 7,639 |  | 28,044 |  | 13,925 |  | 31,548 |  | 30,551 |  | 42,009 |  |  | 19,917 |  | 344 |  |  | 173,977 |
Total loans | $ | 10,709,499 |  | $ | 7,789,439 |  | $ | 5,042,518 |  | $ | 5,727,181 |  | $ | 4,400,928 |  | $ | 10,852,631 |  |  | $ | 6,485,301 |  | $ | 34,182 |  |  | $ | 51,041,679 |
Gross write offs |  |  |  |  |  |  |  |  |  |  |
Three months ended June 30, 2025 | $ | 1,281 |  | $ | 7,117 |  | $ | 1,979 |  | $ | 1,291 |  | $ | 318 |  | $ | 6,509 |  |  | $ | — |  | $ | — |  |  | $ | 18,495 |
Six months ended June 30, 2025 | $ | 1,404 |  | $ | 14,803 |  | $ | 3,789 |  | $ | 3,381 |  | $ | 2,147 |  | $ | 10,420 |  |  | $ | — |  | $ | — |  |  | $ | 35,944 |
(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 June 30, 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 |  | $ | 147,825 |  | $ | 30,715 |  |  | $ | 313,540 |
5-7 internal grade | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
8-10 internal grade | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total U.S. government agencies | $ | — |  | $ | — |  | $ | — |  | $ | 135,000 |  | $ | 147,825 |  | $ | 30,715 |  |  | $ | 313,540 |
Municipal |  |  |  |  |  |  |  |
1-4 internal grade | $ | — |  | $ | — |  | $ | 4,091 |  | $ | 1,030 |  | $ | 6,767 |  | $ | 142,741 |  |  | $ | 154,629 |
5-7 internal grade | — |  | — |  | — |  | — |  | — |  | 2,124 |  |  | 2,124 |
8-10 internal grade | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total municipal | $ | — |  | $ | — |  | $ | 4,091 |  | $ | 1,030 |  | $ | 6,767 |  | $ | 144,865 |  |  | $ | 156,753 |
Mortgage-backed securities |  |  |  |  |  |  |  |
1-4 internal grade | $ | — |  | $ | — |  | $ | 310,359 |  | $ | 508,750 |  | $ | 2,159,651 |  | $ | — |  |  | $ | 2,978,760 |
5-7 internal grade | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
8-10 internal grade | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total mortgage-backed securities | $ | — |  | $ | — |  | $ | 310,359 |  | $ | 508,750 |  | $ | 2,159,651 |  | $ | — |  |  | $ | 2,978,760 |
Corporate notes |  |  |  |  |  |  |  |
1-4 internal grade | $ | — |  | $ | — |  |  | $ | 14,971 |  | $ | — |  | $ | 38,560 |  |  | $ | 53,531 |
5-7 internal grade | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
8-10 internal grade | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total corporate notes | $ | — |  | $ | — |  | $ | — |  | $ | 14,971 |  | $ | — |  | $ | 38,560 |  |  | $ | 53,531 |
Total held-to-maturity securities |  |  |  |  |  |  |  | $ | 3,502,584 |
Less: Allowance for credit losses |  |  |  |  |  |  |  | (398) |
Held-to-maturity securities, net of allowance for credit losses |  |  |  |  |  |  |  | $ | 3,502,186 |
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.
|  | June 30, |  |  |  |  |  | December 31, |  | June 30,
(In thousands) |  | 2025 |  |  |  |  |  | 2024 |  | 2024
Allowance for loan losses |  | $ | 391,654 |  |  |  |  |  |  | $ | 364,017 |  |  | $ | 363,719 |
Allowance for unfunded lending-related commitments losses |  | 65,409 |  |  |  |  |  |  | 72,586 |  |  | 73,350 |
Allowance for loan losses and unfunded lending-related commitments losses |  | 457,063 |  |  |  |  |  |  | 436,603 |  |  | 437,069 |
Allowance for held-to-maturity securities losses |  | 398 |  |  |  |  |  |  | 457 |  |  | 491 |
Allowance for credit losses |  | $ | 457,461 |  |  |  |  |  |  | $ | 437,060 |  |  | $ | 437,560 |
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 and six months ended June 30, 2025 and June 30, 2024 is as follows:
Three months ended June 30, 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 | $ | 201,183 |  |  | $ | 210,010 |  |  | $ | 9,139 |  |  | $ | 10,652 |  |  | $ | 16,039 |  |  | $ | 918 |  |  | $ | 447,941 |
Other adjustments | — |  |  | — |  |  | — |  |  | — |  |  | 180 |  |  | — |  |  | 180 |
Charge-offs | (6,148) |  |  | (5,711) |  |  | (111) |  |  | — |  |  | (6,346) |  |  | (179) |  |  | (18,495) |
Recoveries | 1,746 |  |  | 10 |  |  | 30 |  |  | 2 |  |  | 3,335 |  |  | 32 |  |  | 5,155 |
Provision for credit losses - Other | (2,213) |  |  | 20,049 |  |  | 163 |  |  | 801 |  |  | 3,404 |  |  | 78 |  |  | 22,282 |
Allowance for credit losses at period end | $ | 194,568 |  |  | $ | 224,358 |  |  | $ | 9,221 |  |  | $ | 11,455 |  |  | $ | 16,612 |  |  | $ | 849 |  |  | $ | 457,063 |
By measurement method: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually measured | $ | 35,129 |  |  | $ | 8,127 |  |  | $ | — |  |  | $ | 103 |  |  | $ | — |  |  | $ | 4 |  |  | $ | 43,363 |
Collectively measured | 159,439 |  |  | 216,231 |  |  | 9,221 |  |  | 11,352 |  |  | 16,612 |  |  | 845 |  |  | 413,700 |
Loans at period end |  |  |  |  |  |  |  |  |  |  |  |  |
Individually measured | $ | 80,877 |  |  | $ | 32,828 |  |  | $ | 1,780 |  |  | $ | 27,960 |  |  | $ | — |  |  | $ | 41 |  |  | $ | 143,486 |
Collectively measured | 16,306,554 |  |  | 13,259,182 |  |  | 465,035 |  |  | 3,783,938 |  |  | 16,830,136 |  |  | 116,464 |  |  | 50,761,309 |
Loans held at fair value | — |  |  | — |  |  | — |  |  | 136,884 |  |  | — |  |  |  |  | 136,884 |
Three months ended June 30, 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 | $ | 166,518 |  |  | $ | 226,052 |  |  | $ | 7,191 |  |  | $ | 13,701 |  |  | $ | 13,330 |  |  | $ | 383 |  |  | $ | 427,175 |
Other adjustments | — |  |  | — |  |  | — |  |  | — |  |  | (19) |  |  | — |  |  | (19) |
Charge-offs | (9,584) |  |  | (15,526) |  |  | — |  |  | (23) |  |  | (9,486) |  |  | (137) |  |  | (34,756) |
Recoveries | 950 |  |  | 90 |  |  | 35 |  |  | 8 |  |  | 3,663 |  |  | 24 |  |  | 4,770 |
Provision for credit losses | 24,107 |  |  | 13,112 |  |  | 16 |  |  | (4,913) |  |  | 7,258 |  |  | 319 |  |  | 39,899 |
Allowance for credit losses at period end | $ | 181,991 |  |  | $ | 223,728 |  |  | $ | 7,242 |  |  | $ | 8,773 |  |  | $ | 14,746 |  |  | $ | 589 |  |  | $ | 437,069 |
By measurement method: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually measured | $ | 30,927 |  |  | $ | 6,330 |  |  | $ | — |  |  | $ | 32 |  |  | $ | — |  |  | $ | 1 |  |  | $ | 37,290 |
Collectively measured | 151,064 |  |  | 217,398 |  |  | 7,242 |  |  | 8,741 |  |  | 14,746 |  |  | 588 |  |  | 399,779 |
Loans at period end |  |  |  |  |  |  |  |  |  |  |  |  |
Individually measured | $ | 51,087 |  |  | $ | 48,289 |  |  | $ | 1,100 |  |  | $ | 17,807 |  |  | $ | — |  |  | $ | 3 |  |  | $ | 118,286 |
Collectively measured | 14,103,375 |  |  | 11,898,908 |  |  | 355,213 |  |  | 2,913,694 |  |  | 15,062,868 |  |  | 87,353 |  |  | 44,421,411 |
Loans held at fair value | — |  |  | — |  |  | — |  |  | 135,834 |  |  | — |  |  | — |  |  | 135,834 |
Six months ended June 30, 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 | — |  |  | — |  |  | — |  |  | — |  |  | 184 |  |  | — |  |  | 184 |
Charge-offs | (15,870) |  |  | (6,165) |  |  | (111) |  |  | — |  |  | (13,472) |  |  | (326) |  |  | (35,944) |
Recoveries | 2,675 |  |  | 22 |  |  | 246 |  |  | 138 |  |  | 6,822 |  |  | 61 |  |  | 9,964 |
Provision for credit losses - Other | 31,926 |  |  | 7,645 |  |  | 143 |  |  | 982 |  |  | 5,258 |  |  | 302 |  |  | 46,256 |
Allowance for credit losses at period end | $ | 194,568 |  |  | $ | 224,358 |  |  | $ | 9,221 |  |  | $ | 11,455 |  |  | $ | 16,612 |  |  | $ | 849 |  |  | $ | 457,063 |
Six months ended June 30, 2024 |  |  | 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 | $ | 169,604 |  |  | $ | 223,853 |  |  | $ | 7,116 |  |  | $ | 13,133 |  |  | $ | 13,069 |  |  | $ | 490 |  |  | $ | 427,265 |
Other adjustments | — |  |  | — |  |  | — |  |  | — |  |  | (50) |  |  | — |  |  | (50) |
Charge-offs | (20,799) |  |  | (20,995) |  |  | (74) |  |  | (61) |  |  | (16,424) |  |  | (244) |  |  | (58,597) |
Recoveries | 1,429 |  |  | 121 |  |  | 64 |  |  | 10 |  |  | 5,190 |  |  | 47 |  |  | 6,861 |
Provision for credit losses | 31,757 |  |  | 20,749 |  |  | 136 |  |  | (4,309) |  |  | 12,961 |  |  | 296 |  |  | 61,590 |
Allowance for credit losses at period end | $ | 181,991 |  |  | $ | 223,728 |  |  | $ | 7,242 |  |  | $ | 8,773 |  |  | $ | 14,746 |  |  | $ | 589 |  |  | $ | 437,069 |
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 and six months ended June 30, 2025 and 2024:
Three Months Ended June 30, 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 |  | $ | 35 |  | 0.0 | % |  | $ | — |  |  | $ | 11 |  |  | $ | — |  |  | $ | — |  |  | $ | 24 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and development |  | — |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Non-construction |  | — |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Home equity |  | — |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate |  | 282 |  | 0.0 |  |  | — |  |  | 282 |  |  | — |  |  | — |  |  | — |
Premium finance receivables—property & casualty |  | 885 |  | 0.0 |  |  | 885 |  |  | — |  |  | — |  |  | — |  |  | — |
Total loans |  | $ | 1,202 |  | 0.0 | % |  | $ | 885 |  |  | $ | 293 |  |  | $ | — |  |  | $ | — |  |  | $ | 24 |
|  |  |  | Weighted Average Magnitude of Modifications:
Three Months Ended June 30, 2025 (Dollars in thousands) |  | Total |  | Duration of Extension of Term (months) |  | Reduction of Interest Rate (bps) |  | Duration of Delay in Contractual Payments (months)
Commercial |  | $ | 35 |  |  | 51 |  | 72 |  |  | — |
Commercial real estate |  |  |  |  |  |  |  |
Construction and development |  | — |  |  | — |  |  | — |  |  | — |
Non-construction |  | — |  |  | — |  |  | — |  |  | — |
Home equity |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate |  | 282 |  |  | — |  | 123 |  |  | — |
Premium finance receivables—property & casualty |  | 885 |  |  | 12 |  | — |  |  | — |
Total loans |  | $ | 1,202 |  |  | 13 |  | 117 |  |  | — |
Three Months Ended June 30, 2024 (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 |  | $ | 2,161 |  | 0.0 | % |  | $ | 2,010 |  |  | $ | — |  |  | $ | — |  |  | $ | 97 |  |  | $ | 54 |
Commercial real estate - Non-construction |  | 340 |  | 0.0 |  |  | 21 |  |  | — |  |  | 319 |  |  | — |  |  | — |
Residential real estate |  | 81 |  | 0.0 |  |  | 81 |  |  | — |  |  | — |  |  | — |  |  | — |
Premium finance receivables—property & casualty |  | 6 |  | 0.0 |  |  | 3 |  |  | 3 |  |  | — |  |  | — |  |  | — |
Total loans |  | $ | 2,588 |  | 0.0 | % |  | $ | 2,115 |  |  | $ | 3 |  |  | $ | 319 |  |  | $ | 97 |  |  | $ | 54 |
|  |  |  | Weighted Average Magnitude of Modifications:
Three Months Ended June 30, 2024 (Dollars in thousands) |  | Total |  | Duration of Extension of Term (months) |  | Reduction of Interest Rate (bps) |  | Duration of Delay in Contractual Payments (months)
Commercial |  | $ | 2,161 |  |  | 5 |  | 143 |  |  | 34
Commercial real estate - Non-construction |  | 340 |  |  | 13 |  | — |  |  | 0
Residential real estate |  | 81 |  |  | 12 |  | — |  |  | —
Premium finance receivables—property & casualty |  | 6 |  |  | 2 |  | 86 |  |  | —
Total loans |  | $ | 2,588 |  |  | 7 |  | 140 |  |  | 34
Six Months Ended June 30, 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 |  | $ | 12,732 |  |  | 0.2 | % |  | $ | 12,465 |  |  | $ | 11 |  |  | $ | 31 |  |  | $ | — |  |  | $ | 225 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and development |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Non-construction |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Home equity |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate |  | 1,144 |  |  | 0.0 |  |  | 162 |  |  | 282 |  |  | — |  |  | — |  |  | 700 |
Premium finance receivables—property & casualty |  | 885 |  |  | 0.0 |  |  | 885 |  |  | — |  |  | — |  |  | — |  |  | — |
Total loans |  | $ | 14,761 |  |  | 0.0 |  |  | $ | 13,512 |  |  | $ | 293 |  |  | $ | 31 |  |  | $ | — |  |  | $ | 925 |
|  |  |  | Weighted Average Magnitude of Modifications:
Six Months Ended June 30, 2025 (Dollars in thousands) |  | Total |  | Duration of Extension of Term (months) |  | Reduction of Interest Rate (bps) |  | Duration of Delay in Contractual Payments (months)
Commercial |  | $ | 12,732 |  |  | 10 |  | 50 |  |  | — |
Commercial real estate |  |  |  |  |  |  |  |
Construction and development |  | — |  |  | — |  |  | — |  |  | — |
Non-construction |  | — |  |  | — |  |  | — |  |  | — |
Home equity |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate |  | 1,144 |  |  | 48 |  | 152 |  |  | —
Premium finance receivables—property & casualty |  | 885 |  |  | 12 |  | — |  |  | — |
Total loans |  | $ | 14,761 |  |  | 12 |  | 138 |  |  | — |
Six Months Ended June 30, 2024 (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 |  | $ | 3,219 |  |  | 0.0 | % |  | $ | 2,956 |  |  | $ | — |  |  | $ | — |  |  | $ | 97 |  |  | $ | 166 |
Commercial real estate - Non-construction |  | 1,469 |  |  | 0.0 |  |  | 293 |  |  | — |  |  | 319 |  |  | 857 |  |  | — |
Home equity |  | 89 |  |  | 0.0 |  |  | 89 |  |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate |  | 282 |  |  | 0.0 |  |  | 114 |  |  | 168 |  |  | — |  |  | — |  |  | — |
Premium finance receivables—property & casualty |  | 6 |  |  | 0.0 |  |  | 3 |  |  | 3 |  |  | — |  |  | — |  |  | — |
Total loans |  | $ | 5,065 |  |  | 0.0 | % |  | $ | 3,455 |  |  | $ | 171 |  |  | $ | 319 |  |  | $ | 954 |  |  | $ | 166 |
|  |  |  | Weighted Average Magnitude of Modifications: |  |  |
Six months ended June 30, 2024 (Dollars in thousands) |  | Total |  | Duration of Extension of Term (months) |  | Reduction of Interest Rate (bps) |  | Duration of Delay in Contractual Payments (months) |  |  |
Commercial |  | $ | 3,219 |  |  | 8 |  | 113 |  | 34 |  |  |
Commercial real estate - Non-construction |  | 1,469 |  |  | 29 |  | — |  |  | 16 |  |  |
Home equity |  | 89 |  |  | 12 |  | — |  |  | — |  |  |  |
Residential real estate |  | 282 |  |  | 19 |  | 201 |  | — |  |  |  |
Premium finance receivables—property & casualty |  | $ | 6 |  |  | 2 |  | 86 |  | $ | — |  |  |  |
Total loans |  | $ | 5,065 |  |  | 11 |  | $ | 156 |  |  | 18 |  |  |
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 June 30, 2025 |  |  |  | Three Months Ended June 30, 2025 |  | Six Months Ended June 30, 2025 |  |  | For the Twelve Months Ended June 30, 2024 |  | Three Months Ended June 30, 2024 |  | Six Months Ended June 30, 2024
|  | Total |  |  |  | Payments in Default (1) |  | Payments in Default (1) |  |  | Total |  | Payments in Default (1) |  | Payments in Default (1)
Commercial |  |  | $ | 20,731 |  |  |  |  | $ | 11 |  |  | $ | 123 |  |  |  | $ | 4,685 |  |  | $ | 1,784 |  |  | $ | 1,784 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and development |  |  | — |  |  |  |  | — |  |  | — |  |  |  | 2,486 |  |  | — |  |  | — |
Non-construction |  |  | 752 |  |  |  |  | — |  |  | — |  |  |  | 2,644 |  |  | 639 |  |  | 2,443 |
Home equity |  |  | — |  |  |  |  | — |  |  | — |  |  |  | 586 |  |  | — |  |  | — |
Residential real estate |  |  | 1,144 |  |  |  |  | — |  |  | 700 |  |  |  | 417 |  |  | 384 |  |  | 384 |
Premium finance receivables—property & casualty |  |  | 1,230 |  |  |  |  | 885 |  |  | 885 |  |  |  | 18 |  |  | 14 |  |  | 14 |
Total loans |  |  | $ | 23,857 |  |  |  |  | $ | 896 |  |  | $ | 1,708 |  |  |  | $ | 10,836 |  |  | $ | 2,821 |  |  | $ | 4,625 |
(1)Modified loans considered to be in payment default are over 30 days past due subsequent to the restructuring.

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