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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

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Namespace Prefix:	us-gaap_
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Period Type:	duration

X

- References

No definition available.

+ Details

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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
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+ References

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+ References

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Tabular disclosure of financing receivable modified for debtor experiencing financial difficulty.

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- Definition

Allowance For Credit Losses

+ References

No definition available.

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