XML 58 R42.htm IDEA: XBRL DOCUMENT
v3.25.4

Allowance for Credit Losses (Tables) | 12 Months Ended
--- | ---
Dec. 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 December 31, 2025 and 2024.
As of December 31, 2025 (In thousands) |  | Nonaccrual |  | 90+ days and still accruing |  | 60-89 days past due |  | 30-59 days past due |  | Current |  | Total Loans
Loan Balances (includes PCD): |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 78,059 |  |  | $ | — |  |  | $ | 22,952 |  |  | $ | 90,205 |  |  | $ | 16,853,470 |  |  | $ | 17,044,686 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |
Construction and development |  | 2,976 |  |  | — |  |  | 1,260 |  |  | 13,456 |  |  | 2,391,890 |  |  | 2,409,582 |
Non-construction |  | 22,171 |  |  | — |  |  | 18,269 |  |  | 52,145 |  |  | 11,438,569 |  |  | 11,531,154 |
Home equity |  | 1,221 |  |  | — |  |  | 1,112 |  |  | 2,818 |  |  | 475,374 |  |  | 480,525 |
Residential real estate loans, excluding early buy-out loans |  | 32,862 |  |  | — |  |  | 7,562 |  |  | 24,908 |  |  | 4,106,107 |  |  | 4,171,439 |
Premium finance receivables—property & casualty |  | 29,354 |  |  | 19,115 |  |  | 29,294 |  |  | 57,685 |  |  | 8,047,968 |  |  | 8,183,416 |
Premium finance receivables—life insurance |  | — |  |  | — |  |  | 13,887 |  |  | 22,806 |  |  | 8,986,949 |  |  | 9,023,642 |
Consumer and other |  | 8 |  |  | 42 |  |  | 466 |  |  | 643 |  |  | 113,705 |  |  | 114,864 |
Total loans, net of unearned income, excluding early buy-out loans |  | $ | 166,651 |  |  | $ | 19,157 |  |  | $ | 94,802 |  |  | $ | 264,666 |  |  | $ | 52,414,032 |  |  | $ | 52,959,308 |
Early buy-out loans guaranteed by U.S. government agencies (1) |  | — |  |  | 53,848 |  |  | 204 |  |  | 1,316 |  |  | 90,425 |  |  | 145,793 |
Total loans, net of unearned income |  | $ | 166,651 |  |  | $ | 73,005 |  |  | $ | 95,006 |  |  | $ | 265,982 |  |  | $ | 52,504,457 |  |  | $ | 53,105,101 |
As of December 31, 2024 (In thousands) |  | Nonaccrual |  | 90+ days and still accruing |  | 60-89 days past due |  | 30-59 days past due |  | 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 loans, 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 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 December 31, 2025:
As of December 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 | $ | 3,720,058 |  | $ | 2,692,642 |  | $ | 1,604,743 |  | $ | 1,059,564 |  | $ | 775,585 |  | $ | 1,086,890 |  |  | $ | 5,557,016 |  | $ | 43,490 |  |  | $ | 16,539,988 |
Special mention | 31,571 |  | 31,629 |  | 34,593 |  | 12,766 |  | 11,067 |  | 34,746 |  |  | 120,913 |  | 767 |  |  | 278,052 |
Substandard accrual | 7,477 |  | 23,517 |  | 25,706 |  | 21,069 |  | 20,639 |  | 3,322 |  |  | 45,083 |  | 1,774 |  |  | 148,587 |
Substandard nonaccrual/doubtful | 5,006 |  | 6,635 |  | 6,196 |  | 28,155 |  | 25,238 |  | 3,101 |  |  | 2,094 |  | 1,634 |  |  | 78,059 |
Total commercial, industrial and other | $ | 3,764,112 |  | $ | 2,754,423 |  | $ | 1,671,238 |  | $ | 1,121,554 |  | $ | 832,529 |  | $ | 1,128,059 |  |  | $ | 5,725,106 |  | $ | 47,665 |  |  | $ | 17,044,686 |
Construction and development |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 360,765 |  | $ | 603,682 |  | $ | 520,694 |  | $ | 524,644 |  | $ | 28,674 |  | $ | 104,220 |  |  | $ | 13,947 |  | $ | 824 |  |  | $ | 2,157,450 |
Special mention | — |  | — |  | 49,398 |  | 131,923 |  | — |  | 15,736 |  |  | — |  | — |  |  | 197,057 |
Substandard accrual | — |  | — |  | 13,748 |  | 18,996 |  | — |  | 15,382 |  |  | 3,973 |  | — |  |  | 52,099 |
Substandard nonaccrual/doubtful | — |  | — |  | 750 |  | 1,321 |  | — |  | 905 |  |  | — |  | — |  |  | 2,976 |
Total construction and development | $ | 360,765 |  | $ | 603,682 |  | $ | 584,590 |  | $ | 676,884 |  | $ | 28,674 |  | $ | 136,243 |  |  | $ | 17,920 |  | $ | 824 |  |  | $ | 2,409,582 |
Non-construction |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 2,279,126 |  | $ | 1,341,928 |  | $ | 1,207,171 |  | $ | 1,741,249 |  | $ | 1,261,008 |  | $ | 3,104,804 |  |  | $ | 202,614 |  | $ | 1,947 |  |  | $ | 11,139,847 |
Special mention | 2,059 |  | 841 |  | 62,563 |  | 56,882 |  | 6,109 |  | 45,720 |  |  | 1,414 |  | — |  |  | 175,588 |
Substandard accrual | — |  | 18,738 |  | 29,242 |  | 54,800 |  | 54,390 |  | 34,571 |  |  | 1,807 |  | — |  |  | 193,548 |
Substandard nonaccrual/doubtful | — |  | — |  | 4,471 |  | 305 |  | — |  | 17,395 |  |  | — |  | — |  |  | 22,171 |
Total non-construction | $ | 2,281,185 |  | $ | 1,361,507 |  | $ | 1,303,447 |  | $ | 1,853,236 |  | $ | 1,321,507 |  | $ | 3,202,490 |  |  | $ | 205,835 |  | $ | 1,947 |  |  | $ | 11,531,154 |
Home equity |  |  |  |  |  |  |  |  |  |  |
Pass | $ | — |  | $ | 223 |  | $ | 197 |  | $ | 144 |  | $ | 277 |  | $ | 13,241 |  |  | $ | 439,150 |  | $ | 11,928 |  |  | $ | 465,160 |
Special mention | — |  | 60 |  | 100 |  | 219 |  | — |  | 2,190 |  |  | 5,941 |  | 155 |  |  | 8,665 |
Substandard accrual | — |  | — |  | 15 |  | 19 |  | 91 |  | 3,051 |  |  | 2,268 |  | 35 |  |  | 5,479 |
Substandard nonaccrual/doubtful | — |  | — |  | — |  | 188 |  | 129 |  | 904 |  |  | — |  | — |  |  | 1,221 |
Total home equity | $ | — |  | $ | 283 |  | $ | 312 |  | $ | 570 |  | $ | 497 |  | $ | 19,386 |  |  | $ | 447,359 |  | $ | 12,118 |  |  | $ | 480,525 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |
Early buy-out loans guaranteed by U.S. government agencies | $ | 746 |  | $ | 8,415 |  | $ | 9,087 |  | $ | 7,468 |  | $ | 6,250 |  | $ | 113,827 |  |  | $ | — |  | $ | — |  |  | $ | 145,793 |
Pass | 1,118,444 |  | 726,637 |  | 395,578 |  | 748,133 |  | 705,103 |  | 409,071 |  |  | — |  | — |  |  | 4,102,966 |
Special mention | 506 |  | 2,020 |  | 6,167 |  | 5,020 |  | 3,008 |  | 7,423 |  |  | — |  | — |  |  | 24,144 |
Substandard accrual | 28 |  | 135 |  | 813 |  | 3,821 |  | 2,806 |  | 3,864 |  |  | — |  | — |  |  | 11,467 |
Substandard nonaccrual/doubtful | 266 |  | 3,738 |  | 6,021 |  | 9,501 |  | 5,732 |  | 7,604 |  |  | — |  | — |  |  | 32,862 |
Total residential real estate | $ | 1,119,990 |  | $ | 740,945 |  | $ | 417,666 |  | $ | 773,943 |  | $ | 722,899 |  | $ | 541,789 |  |  | $ | — |  | $ | — |  |  | $ | 4,317,232 |
Premium finance receivables - property & casualty |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 8,012,676 |  | $ | 22,018 |  | $ | 1,595 |  | $ | 559 |  | $ | 686 |  | $ | — |  |  | $ | — |  | $ | — |  |  | $ | 8,037,534 |
Special mention | 102,258 |  | 1,039 |  | 19 |  | — |  | — |  | — |  |  | — |  | — |  |  | 103,316 |
Substandard accrual | 12,811 |  | 399 |  | — |  | 1 |  | 1 |  | — |  |  | — |  | — |  |  | 13,212 |
Substandard nonaccrual/doubtful | 24,836 |  | 4,499 |  | 16 |  | 2 |  | 1 |  | — |  |  | — |  | — |  |  | 29,354 |
Total premium finance receivables - property & casualty | $ | 8,152,581 |  | $ | 27,955 |  | $ | 1,630 |  | $ | 562 |  | $ | 688 |  | $ | — |  |  | $ | — |  | $ | — |  |  | $ | 8,183,416 |
Premium finance receivables - life |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 592,387 |  | $ | 786,884 |  | $ | 547,682 |  | $ | 767,847 |  | $ | 1,091,295 |  | $ | 5,237,547 |  |  | $ | — |  | $ | — |  |  | $ | 9,023,642 |
Special mention | — |  | — |  | — |  | — |  | — |  | — |  |  | — |  | — |  |  | — |
Substandard accrual | — |  | — |  | — |  | — |  | — |  | — |  |  | — |  | — |  |  | — |
Substandard nonaccrual/doubtful | — |  | — |  | — |  | — |  | — |  | — |  |  | — |  | — |  |  | — |
Total premium finance receivables - life | $ | 592,387 |  | $ | 786,884 |  | $ | 547,682 |  | $ | 767,847 |  | $ | 1,091,295 |  | $ | 5,237,547 |  |  | $ | — |  | $ | — |  |  | $ | 9,023,642 |
Consumer and other |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 5,905 |  | $ | 2,095 |  | $ | 1,707 |  | $ | 258 |  | $ | 588 |  | $ | 24,935 |  |  | $ | 78,989 |  | $ | — |  |  | $ | 114,477 |
Special mention | 102 |  | 15 |  | 30 |  | 82 |  | — |  | 108 |  |  | 13 |  | — |  |  | 350 |
Substandard accrual | 2 |  | 6 |  | — |  | — |  | — |  | 12 |  |  | 9 |  | — |  |  | 29 |
Substandard nonaccrual/doubtful | — |  | 8 |  | — |  | — |  | — |  | — |  |  | — |  | — |  |  | 8 |
Total consumer and other | $ | 6,009 |  | $ | 2,124 |  | $ | 1,737 |  | $ | 340 |  | $ | 588 |  | $ | 25,055 |  |  | $ | 79,011 |  | $ | — |  |  | $ | 114,864 |
Total loans |  |  |  |  |  |  |  |  |  |  |
Early buy-out loans guaranteed by U.S. government agencies | $ | 746 |  | $ | 8,415 |  | $ | 9,087 |  | $ | 7,468 |  | $ | 6,250 |  | $ | 113,827 |  |  | $ | — |  | $ | — |  |  | $ | 145,793 |
Pass | 16,089,361 |  | 6,176,109 |  | 4,279,367 |  | 4,842,398 |  | 3,863,216 |  | 9,980,708 |  |  | 6,291,716 |  | 58,189 |  |  | 51,581,064 |
Special mention | 136,496 |  | 35,604 |  | 152,870 |  | 206,892 |  | 20,184 |  | 105,923 |  |  | 128,281 |  | 922 |  |  | 787,172 |
Substandard accrual | 20,318 |  | 42,795 |  | 69,524 |  | 98,706 |  | 77,927 |  | 60,202 |  |  | 53,140 |  | 1,809 |  |  | 424,421 |
Substandard nonaccrual/doubtful | 30,108 |  | 14,880 |  | 17,454 |  | 39,472 |  | 31,100 |  | 29,909 |  |  | 2,094 |  | 1,634 |  |  | 166,651 |
Total loans | $ | 16,277,029 |  | $ | 6,277,803 |  | $ | 4,528,302 |  | $ | 5,194,936 |  | $ | 3,998,677 |  | $ | 10,290,569 |  |  | $ | 6,475,231 |  | $ | 62,554 |  |  | $ | 53,105,101 |
Gross write offs |  |  |  |  |  |  |  |  |  |  |
Three months ended December 31, 2025 | $ | 8,981 |  | $ | 1,616 |  | $ | 1,711 |  | $ | 2,311 |  | $ | 5,954 |  | $ | 6,503 |  |  | $ | — |  | $ | — |  |  | $ | 27,076 |
Twelve months ended December 31, 2025 | 17,690 |  | 16,913 |  | 6,957 |  | 10,440 |  | 20,147 |  | 19,719 |  |  | — |  | — |  |  | 91,866 |
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 December 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 |  | $ | 147,830 |  | $ | 30,711 |  |  | $ | 313,541 |
5-7 internal grade | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
8-10 internal grade | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total U.S. government agencies | $ | — |  | $ | — |  | $ | — |  | $ | 135,000 |  | $ | 147,830 |  | $ | 30,711 |  |  | $ | 313,541 |
Municipal |  |  |  |  |  |  |  |
1-4 internal grade | $ | — |  | $ | — |  | $ | 4,092 |  | $ | 1,027 |  | $ | 6,718 |  | $ | 130,468 |  |  | $ | 142,305 |
5-7 internal grade | — |  | — |  | — |  | — |  | — |  | 1,887 |  |  | 1,887 |
8-10 internal grade | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total municipal | $ | — |  | $ | — |  | $ | 4,092 |  | $ | 1,027 |  | $ | 6,718 |  | $ | 132,355 |  |  | $ | 144,192 |
Mortgage-backed securities |  |  |  |  |  |  |  |
1-4 internal grade | $ | — |  | $ | — |  | $ | 273,577 |  | $ | 480,317 |  | $ | 2,097,441 |  | $ | — |  |  | $ | 2,851,335 |
5-7 internal grade | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
8-10 internal grade | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total mortgage-backed securities | $ | — |  | $ | — |  | $ | 273,577 |  | $ | 480,317 |  | $ | 2,097,441 |  | $ | — |  |  | $ | 2,851,335 |
Corporate notes |  |  |  |  |  |  |  |
1-4 internal grade | $ | — |  | $ | — |  | $ | — |  | $ | 4,973 |  | $ | — |  | $ | 30,124 |  |  | $ | 35,097 |
5-7 internal grade | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
8-10 internal grade | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total corporate notes | $ | — |  | $ | — |  | $ | — |  | $ | 4,973 |  | $ | — |  | $ | 30,124 |  |  | $ | 35,097 |
Total held-to-maturity securities |  |  |  |  |  |  |  | $ | 3,344,165 |
Less: Allowance for credit losses |  |  |  |  |  |  |  | (260) |
Held-to-maturity securities, net of allowance for credit losses |  |  |  |  |  |  |  | $ | 3,343,905 |
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.
|  | December 31, |  | December 31,
(In thousands) |  | 2025 |  | 2024
Allowance for loan losses |  | $ | 379,283 |  |  | $ | 364,017 |
Allowance for unfunded lending-related commitments losses |  | 80,922 |  |  | 72,586 |
Allowance for loan losses and unfunded lending-related commitments losses |  | 460,205 |  |  | 436,603 |
Allowance for held-to-maturity securities losses |  | 260 |  |  | 457 |
Allowance for credit losses |  | $ | 460,465 |  |  | $ | 437,060 |
Schedule of Activity in the Allowance for Credit Losses by Loan Portfolio | A summary of the activity in the allowance for credit losses by loan portfolio (i.e. allowance for loan losses and allowance for unfunded commitment losses) for the years ended December 31, 2025 and 2024 is as follows:
Year Ended December 31, 2025 (In thousands) |  | Commercial |  | Commercial Real Estate |  | Home Equity |  | Residential Real Estate |  | Premium Finance Receivable |  | Consumer and Other |  | Total Loans
Allowance for credit losses at beginning of period |  | $ | 175,837 |  |  | $ | 222,856 |  |  | $ | 8,943 |  |  | $ | 10,335 |  |  | $ | 17,820 |  |  | $ | 812 |  |  | 436,603 |
Other adjustments |  |  |  | — |  |  | — |  |  | — |  |  | 167 |  |  | — |  |  | 167 |
Charge-offs |  | (50,361) |  |  | (11,934) |  |  | (138) |  |  | (26) |  |  | (28,704) |  |  | (703) |  |  | (91,866) |
Recoveries |  | 5,080 |  |  | 267 |  |  | 378 |  |  | 140 |  |  | 13,556 |  |  | 130 |  |  | 19,551 |
Provision for credit losses - other |  | 47,989 |  |  | 35,744 |  |  | 1,219 |  |  | 2,070 |  |  | 8,172 |  |  | 556 |  |  | 95,750 |
Allowance for credit losses at period end |  | $ | 178,545 |  |  | $ | 246,933 |  |  | $ | 10,402 |  |  | $ | 12,519 |  |  | $ | 11,011 |  |  | $ | 795 |  |  | $ | 460,205 |
By measurement method: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 19,054 |  |  | $ | 4,890 |  |  | $ | — |  |  | $ | 120 |  |  |  |  | $ | 8 |  |  | $ | 24,072 |
Collectively evaluated for impairment |  | 159,491 |  |  | 242,043 |  |  | 10,402 |  |  | 12,399 |  |  | 11,011 |  |  | 787 |  |  | 436,133 |
Loans at period end: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 78,059 |  |  | $ | 25,147 |  |  | $ | 1,221 |  |  | $ | 32,774 |  |  | $ | — |  |  | $ | 8 |  |  | $ | 137,209 |
Collectively evaluated for impairment |  | 16,966,627 |  |  | 13,915,589 |  |  | 479,304 |  |  | 4,132,868 |  |  | 17,207,058 |  |  | 114,856 |  |  | 52,816,302 |
Loans held at fair value |  | — |  |  | — |  |  | — |  |  | 151,590 |  |  | — |  |  | — |  |  | 151,590 |
Year Ended December 31, 2024 (In thousands) |  | Commercial |  | Commercial Real Estate |  | Home Equity |  | Residential Real Estate |  | Premium Finance Receivable |  | Consumer and Other |  | Total Loans
Allowance for credit losses at beginning of period |  | $ | 169,604 |  |  | $ | 223,853 |  |  | $ | 7,116 |  |  | $ | 13,133 |  |  | $ | 13,069 |  |  | $ | 490 |  |  | $ | 427,265 |
Other adjustments |  | — |  |  | — |  |  | — |  |  | — |  |  | (207) |  |  | — |  |  | (207) |
Charge-offs |  | (48,864) |  |  | (22,127) |  |  | (74) |  |  | (175) |  |  | (37,519) |  |  | (587) |  |  | (109,346) |
Recoveries |  | 2,853 |  |  | 323 |  |  | 359 |  |  | 15 |  |  | 11,313 |  |  | 87 |  |  | 14,950 |
Provision for credit losses |  | 47,439 |  |  | 9,164 |  |  | 196 |  |  | (3,337) |  |  | 31,164 |  |  | 764 |  |  | 85,390 |
Provision for credit losses - Day 1 on non-PCD assets acquired during the period |  | 2,967 |  |  | 10,540 |  |  | 1,344 |  |  | 638 |  |  | — |  |  | 58 |  |  | 15,547 |
Initial allowance for credit losses recognized on PCD assets acquired during the period |  | 1,838 |  |  | 1,103 |  |  | 2 |  |  | 61 |  |  | — |  |  | — |  |  | 3,004 |
Allowance for loan losses at period end |  | $ | 175,837 |  |  | $ | 222,856 |  |  | $ | 8,943 |  |  | $ | 10,335 |  |  | $ | 17,820 |  |  | $ | 812 |  |  | 436,603 |
By measurement method: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 27,894 |  |  | $ | 6,768 |  |  | $ | 50 |  |  | $ | 44 |  |  | $ | — |  |  | $ | 1 |  |  | $ | 34,757 |
Collectively evaluated for impairment |  | 147,943 |  |  | 216,088 |  |  | 8,893 |  |  | 10,291 |  |  | 17,820 |  |  | 811 |  |  | 401,846 |
Loans at period end: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 73,490 |  |  | $ | 21,042 |  |  | $ | 1,117 |  |  | $ | 23,674 |  |  | $ | — |  |  | $ | 2 |  |  | $ | 119,325 |
Collectively evaluated for impairment |  | 15,501,061 |  |  | 12,882,902 |  |  | 443,911 |  |  | 3,430,296 |  |  | 15,419,187 |  |  | 99,560 |  |  | 47,776,917 |
Loan held at fair value |  | — |  |  | — |  |  | — |  |  | 158,795 |  |  | — |  |  | — |  |  | 158,795 |
Schedule of Modification of Loans | The tables below presents a summary of the balance immediately following the modification of loans to borrowers experiencing financial difficulties during the years ended December 31, 2025 and 2024:
Year Ended December 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 |  | $ | 38,113 |  |  | 0.5 | % |  | $ | 14,883 |  |  | $ | 8 |  |  | $ | 501 |  |  | $ | 22,043 |  |  | $ | 678 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-construction |  | 358 |  |  | 0.0 |  |  | 358 |  |  | — |  |  | — |  |  | — |  |  | — |
Home equity |  | 121 |  |  | 0.0 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 121 |
Residential real estate |  | 1,876 |  |  | 0.0 |  |  | 568 |  |  | 271 |  |  | — |  |  | 238 |  |  | 799 |
Total loans |  | $ | 40,468 |  |  | 0.1 | % |  | $ | 15,809 |  |  | $ | 279 |  |  | $ | 501 |  |  | $ | 22,281 |  |  | $ | 1,598 |
|  |  |  | Weighted Average Magnitude of Modifications:
Year Ended December 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 |  | $ | 38,113 |  |  | 13 |  | 156 |  |  | 3
Commercial real estate |  |  |  |  |  |  |  |
Non-construction |  | 358 |  |  | 22 |  | — |  |  | — |
Home equity |  | 121 |  |  | 12 |  | 125 |  |  | —
Residential real estate |  | 1,876 |  |  | 49 |  | 131 |  |  | 483
Total loans |  | $ | 40,468 |  |  | 17 |  | 140 |  |  | 8
Year Ended December 31, 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 |  | $ | 11,531 |  |  | 0.1 | % |  | $ | 9,516 |  |  | $ | 9 |  |  | $ | 17 |  |  | $ | 81 |  |  | $ | 1,908 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and development |  | 701 |  |  | 0.0 |  |  | 701 |  |  | — |  |  | — |  |  | — |  |  | — |
Non-construction |  | 813 |  |  | 0.0 |  |  | 493 |  |  | — |  |  | 320 |  |  | — |  |  | — |
Home equity |  | 86 |  |  | 0.0 |  |  | 86 |  |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate |  | 166 |  |  | 0.0 |  |  | — |  |  | 166 |  |  | — |  |  | — |  |  | — |
Premium finance receivables—property & casualty |  | 1,226 |  |  | 0.0 |  |  | 96 |  |  | 1,103 |  |  | — |  |  | — |  |  | 27 |
Total loans |  | $ | 14,523 |  |  | 0.0 | % |  | $ | 10,892 |  |  | $ | 1,278 |  |  | $ | 337 |  |  | $ | 81 |  |  | $ | 1,935 |
|  |  |  | Weighted Average Magnitude of Modifications:
Year Ended December 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 |  | $ | 11,531 |  |  | 10 |  | 80 |  |  | 34
Commercial real estate |  |  |  |  |  |  |  |
Construction and development |  | 701 |  |  | 13 |  | — |  |  | — |
Non-construction |  | 813 |  |  | 8 |  | — |  |  | — |
Home equity |  | 86 |  |  | 12 |  | — |  |  | — |
Residential real estate |  | 166 |  |  | — |  |  | 201 |  |  | — |
Premium finance receivables—property & casualty |  | 1,226 |  |  | — |  |  | 37 |  |  | — |
Total loans |  | $ | 14,523 |  |  | 9 |  | 74 |  |  | 34
Schedule of Financing Receivable, Modified, Subsequent Default | 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) |  | Year Ended December 31, 2025 |  |  |  | Year Ended December 31, 2025 |  | Year Ended December 31, 2024 |  |  |  | Year Ended December 31, 2024
| Total |  |  |  | Payments in Default (1) |  | Total |  |  |  | Payments in Default (1) |  |  |  |
Commercial |  | $ | 38,113 |  |  |  |  | $ | 653 |  |  | $ | 11,531 |  |  |  |  | $ | 995 |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction and development |  | — |  |  |  |  | — |  |  | 701 |  |  |  |  | — |  |  |  |  |
Non-construction |  | 358 |  |  |  |  | 179 |  |  | 813 |  |  |  |  | 319 |  |  |  |  |
Home equity |  | 121 |  |  |  |  | — |  |  | 86 |  |  |  |  | 86 |  |  |  |  |
Residential real estate |  | 1,876 |  |  |  |  | 914 |  |  | 166 |  |  |  |  | 166 |  |  |  |  |
Premium finance receivables—property & casualty |  | — |  |  |  |  | — |  |  | 1,226 |  |  |  |  | 122 |  |  |  |  |
Total loans |  | $ | 40,468 |  |  |  |  | $ | 1,746 |  |  | $ | 14,523 |  |  |  |  | $ | 1,688 |  |  |  |  |
(1)Modified loans considered to be in payment default are over 30 days past due subsequent to the restructuring.

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
- References No definition available. + Details
Name: | us-gaap_CreditLossAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of credit quality indicator for investment in debt security measured at amortized cost (held-to-maturity). + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5 + Details
Name: | us-gaap_DebtSecuritiesHeldToMaturityCreditQualityIndicatorTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable with payment default and modified within previous 12 months preceding payment default for debtor experiencing financial difficulty. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 44 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-44 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 12A -Publisher FASB -URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A + Details
Name: | us-gaap_FinancingReceivableModifiedSubsequentDefaultTableTextBlock
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
- Definition Tabular disclosure of financing receivable modified for debtor experiencing financial difficulty. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 12A -Publisher FASB -URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A Reference 4: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 34 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-34 Reference 5: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 33 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-33 + Details
Name: | us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Allowance For Credit Losses + References No definition available. + Details
Name: | wtfc_AllowanceForCreditLossesTableTextBlock
Namespace Prefix: | wtfc_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration