XML 41 R31.htm IDEA: XBRL DOCUMENT
v3.23.3

Loans (Tables) | 9 Months Ended
--- | ---
Sep. 30, 2023
Receivables [Abstract] |
Loans | Loans were as follows:
| September 30, 2023 |  | December 31, 2022
Commercial and industrial | $ | 5,836,877 |  |  | $ | 5,674,798 |
Energy: |  |  |
Production | 743,746 |  |  | 696,570 |
Service | 191,880 |  |  | 133,542 |
Other | 71,233 |  |  | 95,617 |
Total energy | 1,006,859 |  |  | 925,729 |
Paycheck Protection Program | 17,945 |  |  | 34,852 |
Commercial real estate: |  |  |
Commercial mortgages | 6,660,367 |  |  | 6,168,910 |
Construction | 1,544,666 |  |  | 1,477,247 |
Land | 533,418 |  |  | 537,168 |
Total commercial real estate | 8,738,451 |  |  | 8,183,325 |
Consumer real estate: |  |  |
Home equity lines of credit | 753,020 |  |  | 691,841 |
Home equity loans | 662,827 |  |  | 449,507 |
Home improvement loans | 733,120 |  |  | 577,377 |
Other | 190,396 |  |  | 124,814 |
Total consumer real estate | 2,339,363 |  |  | 1,843,539 |
Total real estate | 11,077,814 |  |  | 10,026,864 |
Consumer and other | 459,764 |  |  | 492,726 |
Total loans | $ | 18,399,259 |  |  | $ | 17,154,969 |
Non-Accrual Loans, Segregated by Class of Loans | Non-accrual loans, segregated by class of loans, were as follows:
| September 30, 2023 |  | December 31, 2022
| Total Non-Accrual |  | Non-Accrual with No Credit Loss Allowance |  | Total Non-Accrual |  | Non-Accrual with No Credit Loss Allowance
Commercial and industrial | $ | 27,326 |  |  | $ | 3,693 |  |  | $ | 18,130 |  |  | $ | 8,514 |
Energy | 14,200 |  |  | 9,698 |  |  | 15,224 |  |  | 7,139 |
Commercial real estate: |  |  |  |  |  |  |
Buildings, land, and other | 23,112 |  |  | 5,100 |  |  | 3,552 |  |  | 1,991 |
Construction | — |  |  | — |  |  | — |  |  | — |
Consumer real estate | 2,537 |  |  | 202 |  |  | 927 |  |  | 927 |
Consumer and other | — |  |  | — |  |  | — |  |  | — |
Total | $ | 67,175 |  |  | $ | 18,693 |  |  | $ | 37,833 |  |  | $ | 18,571 |
Financing Receivable, Non-Accrual Loans, Segregated by Class of Loan and Year of Origination | The following table presents non-accrual loans as of September 30, 2023 by class and year of origination.
| 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total
Commercial and industrial | $ | — |  |  | $ | 359 |  |  | $ | 84 |  |  | $ | 747 |  |  | $ | 2,812 |  |  | $ | 1,068 |  |  | $ | 21,924 |  |  | $ | 332 |  |  | $ | 27,326 |
Energy | 8,148 |  |  | — |  |  | — |  |  | 56 |  |  | 1,348 |  |  | — |  |  | 4,502 |  |  | 146 |  |  | 14,200 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Buildings, land, and other | 18,438 |  |  | 105 |  |  | 296 |  |  | — |  |  | 1,463 |  |  | 2,810 |  |  | — |  |  | — |  |  | 23,112 |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer real estate | — |  |  | — |  |  | — |  |  | 38 |  |  | 2,335 |  |  | 93 |  |  | — |  |  | 71 |  |  | 2,537 |
Consumer and other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 26,586 |  |  | $ | 464 |  |  | $ | 380 |  |  | $ | 841 |  |  | $ | 7,958 |  |  | $ | 3,971 |  |  | $ | 26,426 |  |  | $ | 549 |  |  | $ | 67,175 |
Age Analysis of Past Due Loans, Segregated by Class of Loans | An age analysis of past due loans (including both accruing and non-accruing loans), segregated by class of loans, as of September 30, 2023 was as follows:
| Loans 30-89 Days Past Due |  | Loans 90 or More Days Past Due |  | Total Past Due Loans |  | Current Loans |  | Total Loans |  | Accruing Loans 90 or More Days Past Due
Commercial and industrial | $ | 29,967 |  |  | $ | 9,682 |  |  | $ | 39,649 |  |  | $ | 5,797,228 |  |  | $ | 5,836,877 |  |  | $ | 5,404 |
Energy | 1,684 |  |  | 6,052 |  |  | 7,736 |  |  | 999,123 |  |  | 1,006,859 |  |  | — |
Paycheck Protection Program | 2,000 |  |  | 1,954 |  |  | 3,954 |  |  | 13,991 |  |  | 17,945 |  |  | 1,954 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |
Buildings, land, and other | 11,364 |  |  | 1,452 |  |  | 12,816 |  |  | 7,180,969 |  |  | 7,193,785 |  |  | 1,056 |
Construction | 8,523 |  |  | — |  |  | 8,523 |  |  | 1,536,143 |  |  | 1,544,666 |  |  | — |
Consumer real estate | 12,106 |  |  | 6,999 |  |  | 19,105 |  |  | 2,320,258 |  |  | 2,339,363 |  |  | 6,801 |
Consumer and other | 5,041 |  |  | 523 |  |  | 5,564 |  |  | 454,200 |  |  | 459,764 |  |  | 523 |
Total | $ | 70,685 |  |  | $ | 26,662 |  |  | $ | 97,347 |  |  | $ | 18,301,912 |  |  | $ | 18,399,259 |  |  | $ | 15,738 |
Troubled debt restructurings | The period-end balance of loan modifications, segregated by type of modification, to borrowers experiencing financial difficulty during the nine months ended September 30, 2023 and September 30, 2022 are set forth in the table below, regardless of whether such modifications resulted in a new loan. There were no commitments to lend additional funds to these borrowers at September 30, 2023.
|  |  |  |  | Payment Delay |  | Percent of Total Class of Loans |  | Combination: Payment Delay and Term Extension |  | Percent of Total Class of Loans |  | Combination: Interest Rate Reduction and Term Extension |  | Percent of Total Class of Loans
September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  | $ | — |  |  | — | % |  | $ | 15,912 |  |  | 0.3 | % |  | $ | — |  |  | — | %
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Buildings, land, and other |  |  |  |  | — |  |  | — |  |  | 19,785 |  |  | 0.3 |  |  | 2,100 |  |  | — |
|  |  |  |  | $ | — |  |  | — |  |  | $ | 35,697 |  |  | 0.2 |  |  | $ | 2,100 |  |  | — |
September 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Buildings, land, and other |  |  |  |  | $ | 1,083 |  |  | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | — |
|  |  |  |  | $ | 1,083 |  |  | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | — |
Financing Receivables, Modified Loans Past Due in Excess of 90 Days or on Non-Accrual Status, Charge-offs and Proceeds From Sales at Period-End | Information as of or for the nine months ended September 30, 2023 and September 30, 2022 related to loans modified (by type of modification) in the preceding twelve months, respectively, whereby the borrower was experiencing financial difficulty at the time of modification is set forth in the following table.
|  |  |  | September 30, 2023 |  |  |  |  |  | September 30, 2022
|  |  |  |  | Combination: Payment Delay and Term Extension |  | Combination: Interest Rate Reduction and Term Extension |  |  |  |  |  | Payment Delay |  | Combination: Payment Delay and Term Extension
Past due in excess of 90 days or on non-accrual status at period-end: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Buildings, land, and other |  |  |  |  | $ | — |  |  | $ | 2,100 |  |  |  |  |  |  | $ | 1,083 |  |  | $ | — |
|  |  |  |  | $ | — |  |  | $ | 2,100 |  |  |  |  |  |  | $ | 1,083 |  |  | $ | — |
Charge-offs during the period: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Buildings, land, and other |  |  |  |  | $ | — |  |  | $ | — |  |  |  |  |  |  | $ | 371 |  |  | $ | 352 |
|  |  |  |  | $ | — |  |  | $ | — |  |  |  |  |  |  | $ | 371 |  |  | $ | 352 |
Proceeds from sales: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Buildings, land, and other |  |  |  |  | $ | — |  |  | $ | — |  |  |  |  |  |  | $ | — |  |  | $ | 1,070 |
|  |  |  |  | $ | — |  |  | $ | — |  |  |  |  |  |  | $ | — |  |  | $ | 1,070 |
Weighted Average Risk Grades for All Commercial Loans by Class and Year of Origination | The following table presents weighted-average risk grades for all commercial loans, by class and year of origination/renewal, as of September 30, 2023. Paycheck Protection Program (“PPP”) loans are excluded as such loans are fully guaranteed by the Small Business Administration (“SBA”).
| 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total |  | W/A Risk Grade
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk grades 1-8 | $ | 1,360,645 |  |  | $ | 860,771 |  |  | $ | 495,449 |  |  | $ | 383,880 |  |  | $ | 182,663 |  |  | $ | 221,704 |  |  | $ | 2,034,460 |  |  | $ | 42,098 |  |  | $ | 5,581,670 |  |  | 6.29 |
Risk grade 9 | 16,491 |  |  | 9,544 |  |  | 5,764 |  |  | 2,837 |  |  | 1,492 |  |  | 9,823 |  |  | 49,123 |  |  | 5,016 |  |  | 100,090 |  |  | 9.00 |
Risk grade 10 | 9,184 |  |  | 904 |  |  | 912 |  |  | 312 |  |  | 4,121 |  |  | 619 |  |  | 34,027 |  |  | 1,021 |  |  | 51,100 |  |  | 10.00 |
Risk grade 11 | 5,232 |  |  | 5,422 |  |  | 26,626 |  |  | 8,652 |  |  | 2,619 |  |  | 1,389 |  |  | 13,336 |  |  | 13,415 |  |  | 76,691 |  |  | 11.00 |
Risk grade 12 | — |  |  | 359 |  |  | 84 |  |  | 641 |  |  | 2,663 |  |  | 1,068 |  |  | 16,817 |  |  | 332 |  |  | 21,964 |  |  | 12.00 |
Risk grade 13 | — |  |  | — |  |  | — |  |  | 106 |  |  | 149 |  |  | — |  |  | 5,107 |  |  | — |  |  | 5,362 |  |  | 13.00 |
| $ | 1,391,552 |  |  | $ | 877,000 |  |  | $ | 528,835 |  |  | $ | 396,428 |  |  | $ | 193,707 |  |  | $ | 234,603 |  |  | $ | 2,152,870 |  |  | $ | 61,882 |  |  | $ | 5,836,877 |  |  | 6.46 |
W/A risk grade | 6.24 |  |  | 6.79 |  |  | 7.22 |  |  | 5.85 |  |  | 6.15 |  |  | 6.10 |  |  | 6.43 |  |  | 7.86 |  |  | 6.46 |  |  |
| 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total |  | W/A Risk Grade
Energy |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk grades 1-8 | $ | 288,729 |  |  | $ | 65,086 |  |  | $ | 78,601 |  |  | $ | 3,959 |  |  | $ | 2,057 |  |  | $ | 4,164 |  |  | $ | 453,243 |  |  | $ | 7,871 |  |  | $ | 903,710 |  |  | 5.67 |
Risk grade 9 | 35,025 |  |  | 7,492 |  |  | 1,184 |  |  | — |  |  | 475 |  |  | — |  |  | 4,355 |  |  | 18 |  |  | 48,549 |  |  | 9.00 |
Risk grade 10 | — |  |  | — |  |  | 38 |  |  | — |  |  | 326 |  |  | 710 |  |  | 34,925 |  |  | — |  |  | 35,999 |  |  | 10.00 |
Risk grade 11 | — |  |  | — |  |  | 88 |  |  | 147 |  |  | 3,031 |  |  | — |  |  | — |  |  | 1,135 |  |  | 4,401 |  |  | 11.00 |
Risk grade 12 | 8,148 |  |  | — |  |  | — |  |  | 56 |  |  | 1,348 |  |  | — |  |  | 1,802 |  |  | 146 |  |  | 11,500 |  |  | 12.00 |
Risk grade 13 | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,700 |  |  | — |  |  | 2,700 |  |  | 13.00 |
| $ | 331,902 |  |  | $ | 72,578 |  |  | $ | 79,911 |  |  | $ | 4,162 |  |  | $ | 7,237 |  |  | $ | 4,874 |  |  | $ | 497,025 |  |  | $ | 9,170 |  |  | $ | 1,006,859 |  |  | 6.10 |
W/A risk grade | 6.35 |  |  | 6.86 |  |  | 6.05 |  |  | 6.92 |  |  | 9.94 |  |  | 7.19 |  |  | 5.73 |  |  | 7.90 |  |  | 6.10 |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Buildings, land, other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk grades 1-8 | $ | 1,185,417 |  |  | $ | 1,718,438 |  |  | $ | 1,303,804 |  |  | $ | 792,410 |  |  | $ | 547,600 |  |  | $ | 924,632 |  |  | $ | 223,084 |  |  | $ | 100,763 |  |  | $ | 6,796,148 |  |  | 7.01 |
Risk grade 9 | 8,476 |  |  | 22,301 |  |  | 53,874 |  |  | 38,898 |  |  | 16,916 |  |  | 26,598 |  |  | 2,175 |  |  | 541 |  |  | 169,779 |  |  | 9.00 |
Risk grade 10 | 217 |  |  | 29,842 |  |  | 7,268 |  |  | 29,238 |  |  | 775 |  |  | 3,219 |  |  | — |  |  | 2,599 |  |  | 73,158 |  |  | 10.00 |
Risk grade 11 | 4,723 |  |  | 5,985 |  |  | 49,075 |  |  | 10,716 |  |  | 1,697 |  |  | 55,729 |  |  | 2,993 |  |  | 670 |  |  | 131,588 |  |  | 11.00 |
Risk grade 12 | 17,288 |  |  | 105 |  |  | — |  |  | — |  |  | 1,463 |  |  | 2,810 |  |  | — |  |  | — |  |  | 21,666 |  |  | 12.00 |
Risk grade 13 | 1,150 |  |  | — |  |  | 296 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,446 |  |  | 13.00 |
| $ | 1,217,271 |  |  | $ | 1,776,671 |  |  | $ | 1,414,317 |  |  | $ | 871,262 |  |  | $ | 568,451 |  |  | $ | 1,012,988 |  |  | $ | 228,252 |  |  | $ | 104,573 |  |  | $ | 7,193,785 |  |  | 7.17 |
W/A risk grade | 7.21 |  |  | 7.13 |  |  | 7.34 |  |  | 7.22 |  |  | 6.83 |  |  | 7.18 |  |  | 7.29 |  |  | 6.49 |  |  | 7.17 |  |  |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk grades 1-8 | $ | 390,535 |  |  | $ | 526,048 |  |  | $ | 331,652 |  |  | $ | 47,871 |  |  | $ | 305 |  |  | $ | 1,638 |  |  | $ | 138,353 |  |  | $ | — |  |  | $ | 1,436,402 |  |  | 7.25 |
Risk grade 9 | — |  |  | 16,259 |  |  | 29,569 |  |  | — |  |  | — |  |  | — |  |  | 4,773 |  |  | — |  |  | 50,601 |  |  | 9.00 |
Risk grade 10 | 23,446 |  |  | — |  |  | 5,353 |  |  | — |  |  | — |  |  | — |  |  | 7,311 |  |  | — |  |  | 36,110 |  |  | 10.00 |
Risk grade 11 | 5,838 |  |  | 13,104 |  |  | 2,611 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 21,553 |  |  | 11.00 |
Risk grade 12 | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 12.00 |
Risk grade 13 | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 13.00 |
| $ | 419,819 |  |  | $ | 555,411 |  |  | $ | 369,185 |  |  | $ | 47,871 |  |  | $ | 305 |  |  | $ | 1,638 |  |  | $ | 150,437 |  |  | $ | — |  |  | $ | 1,544,666 |  |  | 7.43 |
W/A risk grade | 7.59 |  |  | 7.30 |  |  | 7.84 |  |  | 4.39 |  |  | 7.23 |  |  | 6.78 |  |  | 7.42 |  |  | — |  |  | 7.43 |  |  |
Total commercial real estate | $ | 1,637,090 |  |  | $ | 2,332,082 |  |  | $ | 1,783,502 |  |  | $ | 919,133 |  |  | $ | 568,756 |  |  | $ | 1,014,626 |  |  | $ | 378,689 |  |  | $ | 104,573 |  |  | $ | 8,738,451 |  |  | 7.22 |
W/A risk grade | 7.30 |  |  | 7.17 |  |  | 7.44 |  |  | 7.07 |  |  | 6.83 |  |  | 7.18 |  |  | 7.35 |  |  | 6.49 |  |  | 7.22 |  |  |
Weighted Average Risk Grades for All Commercial Loans by Class | The following tables present weighted average risk grades for all commercial loans by class as of December 31, 2022. Refer to our 2022 Form 10-K for details of these loans by year of origination/renewal.
| Commercial and Industrial |  | Energy |  | Commercial Real Estate - Buildings, Land and Other |  | Commercial Real Estate - Construction |  | Total Commercial Real Estate
| W/A Risk Grade |  | Loans |  | W/A Risk Grade |  | Loans |  | W/A Risk Grade |  | Loans |  | W/A Risk Grade |  | Loans |  | W/A Risk Grade |  | Loans
Risk grades 1-8 | 6.24 |  |  | $ | 5,435,917 |  |  | 5.44 |  |  | $ | 887,182 |  |  | 6.94 |  |  | $ | 6,340,028 |  |  | 7.04 |  |  | $ | 1,430,012 |  |  | 6.96 |  |  | $ | 7,770,040 |
Risk grade 9 | 9.00 |  |  | 146,192 |  |  | 9.00 |  |  | 11,112 |  |  | 9.00 |  |  | 189,928 |  |  | 9.00 |  |  | 34,952 |  |  | 9.00 |  |  | 224,880 |
Risk grade 10 | 10.00 |  |  | 37,596 |  |  | 10.00 |  |  | 642 |  |  | 10.00 |  |  | 91,020 |  |  | 10.00 |  |  | 931 |  |  | 10.00 |  |  | 91,951 |
Risk grade 11 | 11.00 |  |  | 36,963 |  |  | 11.00 |  |  | 11,569 |  |  | 11.00 |  |  | 81,550 |  |  | 11.00 |  |  | 11,352 |  |  | 11.00 |  |  | 92,902 |
Risk grade 12 | 12.00 |  |  | 12,521 |  |  | 12.00 |  |  | 10,840 |  |  | 12.00 |  |  | 2,957 |  |  | 12.00 |  |  | — |  |  | 12.00 |  |  | 2,957 |
Risk grade 13 | 13.00 |  |  | 5,609 |  |  | 13.00 |  |  | 4,384 |  |  | 13.00 |  |  | 595 |  |  | 13.00 |  |  | — |  |  | 13.00 |  |  | 595 |
Total | 6.39 |  |  | $ | 5,674,798 |  |  | 5.67 |  |  | $ | 925,729 |  |  | 7.09 |  |  | $ | 6,706,078 |  |  | 7.12 |  |  | $ | 1,477,247 |  |  | 7.10 |  |  | $ | 8,183,325 |
Age analysis of Past Due Consumer Loans by Class and Year of Origination | Information about the payment status of consumer loans, segregated by portfolio segment and year of origination, as of September 30, 2023 was as follows:
| 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total
Consumer real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Past due 30-89 days | $ | 222 |  |  | $ | 1,201 |  |  | $ | 1,034 |  |  | $ | 535 |  |  | $ | 283 |  |  | $ | 2,329 |  |  | $ | 6,240 |  |  | $ | 262 |  |  | $ | 12,106 |
Past due 90 or more days | — |  |  | 534 |  |  | 650 |  |  | 38 |  |  | 22 |  |  | 1,186 |  |  | 1,509 |  |  | 3,060 |  |  | 6,999 |
Total past due | 222 |  |  | 1,735 |  |  | 1,684 |  |  | 573 |  |  | 305 |  |  | 3,515 |  |  | 7,749 |  |  | 3,322 |  |  | 19,105 |
Current loans | 470,908 |  |  | 439,461 |  |  | 288,751 |  |  | 176,252 |  |  | 61,336 |  |  | 141,551 |  |  | 734,358 |  |  | 7,641 |  |  | 2,320,258 |
Total | $ | 471,130 |  |  | $ | 441,196 |  |  | $ | 290,435 |  |  | $ | 176,825 |  |  | $ | 61,641 |  |  | $ | 145,066 |  |  | $ | 742,107 |  |  | $ | 10,963 |  |  | $ | 2,339,363 |
Consumer and other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Past due 30-89 days | $ | 2,403 |  |  | $ | 377 |  |  | $ | 193 |  |  | $ | 47 |  |  | $ | 35 |  |  | $ | 49 |  |  | $ | 1,818 |  |  | $ | 119 |  |  | $ | 5,041 |
Past due 90 or more days | 95 |  |  | 62 |  |  | — |  |  | — |  |  | — |  |  | 11 |  |  | 350 |  |  | 5 |  |  | 523 |
Total past due | 2,498 |  |  | 439 |  |  | 193 |  |  | 47 |  |  | 35 |  |  | — |  |  | 2,168 |  |  | 124 |  |  | 5,564 |
Current loans | 59,223 |  |  | 32,960 |  |  | 9,543 |  |  | 4,076 |  |  | 1,641 |  |  | 1,645 |  |  | 323,629 |  |  | 21,483 |  |  | 454,200 |
Total | $ | 61,721 |  |  | $ | 33,399 |  |  | $ | 9,736 |  |  | $ | 4,123 |  |  | $ | 1,676 |  |  | $ | 1,645 |  |  | $ | 325,797 |  |  | $ | 21,607 |  |  | $ | 459,764 |
Revolving Loans Converted to Term [Table Text Block] | Revolving loans that converted to term during the three and nine months ended September 30, 2023 and 2022 were as follows:
| Three Months Ended September 30, |  | Nine Months Ended September 30,
| 2023 |  | 2022 |  | 2023 |  | 2022
Commercial and industrial | $ | 13,144 |  |  | $ | 2,368 |  |  | $ | 18,246 |  |  | $ | 22,579 |
Energy | 3,451 |  |  | 1,582 |  |  | 4,050 |  |  | 1,806 |
Commercial real estate: |  |  |  |  |  |  |
Buildings, land and other | — |  |  | — |  |  | 5,635 |  |  | 10,759 |
Construction | — |  |  | — |  |  | — |  |  | 4,414 |
Consumer real estate | 709 |  |  | 700 |  |  | 1,630 |  |  | 2,223 |
Consumer and other | 1,699 |  |  | 1,963 |  |  | 5,151 |  |  | 7,691 |
Total | $ | 19,003 |  |  | $ | 6,613 |  |  | $ | 34,712 |  |  | $ | 49,472 |
Financing Receivable, Allowance for Credit Loss By Loan Class Calculated in Accordance With CECL Methodology | The following table presents details of the allowance for credit losses on loans segregated by loan portfolio segment as of September 30, 2023 and December 31, 2022. No allowance for credit losses has been recognized for PPP loans as such loans are fully guaranteed by the SBA.
September 30, 2023 | Commercial and Industrial |  | Energy |  | Commercial Real Estate |  | Consumer Real Estate |  | Consumer and Other |  | Total
Modeled expected credit losses | $ | 45,398 |  |  | $ | 7,065 |  |  | $ | 16,366 |  |  | $ | 14,239 |  |  | $ | 5,258 |  |  | $ | 88,326 |
Q-Factor and other qualitative adjustments | 23,547 |  |  | 7,301 |  |  | 108,680 |  |  | 498 |  |  | 4,073 |  |  | 144,099 |
Specific allocations | 5,362 |  |  | 2,700 |  |  | 1,446 |  |  | 302 |  |  | — |  |  | 9,810 |
Total | $ | 74,307 |  |  | $ | 17,066 |  |  | $ | 126,492 |  |  | $ | 15,039 |  |  | $ | 9,331 |  |  | $ | 242,235 |
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |
Modeled expected credit losses | $ | 61,918 |  |  | $ | 8,531 |  |  | $ | 27,013 |  |  | $ | 7,847 |  |  | $ | 4,983 |  |  | $ | 110,292 |
Q-Factor and other qualitative adjustments | 36,237 |  |  | 5,148 |  |  | 61,572 |  |  | 157 |  |  | 2,034 |  |  | 105,148 |
Specific allocations | 6,082 |  |  | 4,383 |  |  | 1,716 |  |  | — |  |  | — |  |  | 12,181 |
Total | $ | 104,237 |  |  | $ | 18,062 |  |  | $ | 90,301 |  |  | $ | 8,004 |  |  | $ | 7,017 |  |  | $ | 227,621 |
Activity in Allowance for Loan Losses by Portfolio Segment | The following table details activity in the allowance for credit losses on loans by portfolio segment for the three and nine months ended September 30, 2023 and 2022. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. No allowance for credit losses has been recognized for PPP loans as such loans are fully guaranteed by the SBA.
| Commercial and Industrial |  | Energy |  | Commercial Real Estate |  | Consumer Real Estate |  | Consumer and Other |  | Total
Three months ended: |  |  |  |  |  |  |  |  |  |  |
September 30, 2023 |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 75,166 |  |  | $ | 14,929 |  |  | $ | 120,926 |  |  | $ | 13,035 |  |  | $ | 9,563 |  |  | $ | 233,619 |
Credit loss expense (benefit) | (623) |  |  | 1,784 |  |  | 5,424 |  |  | 2,130 |  |  | 4,893 |  |  | 13,608 |
Charge-offs | (943) |  |  | — |  |  | (62) |  |  | (170) |  |  | (8,189) |  |  | (9,364) |
Recoveries | 707 |  |  | 353 |  |  | 204 |  |  | 44 |  |  | 3,064 |  |  | 4,372 |
Net (charge-offs) recoveries | (236) |  |  | 353 |  |  | 142 |  |  | (126) |  |  | (5,125) |  |  | (4,992) |
Ending balance | $ | 74,307 |  |  | $ | 17,066 |  |  | $ | 126,492 |  |  | $ | 15,039 |  |  | $ | 9,331 |  |  | $ | 242,235 |
September 30, 2022 |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 87,270 |  |  | $ | 16,267 |  |  | $ | 117,106 |  |  | $ | 6,854 |  |  | $ | 12,135 |  |  | $ | 239,632 |
Credit loss expense (benefit) | 10,844 |  |  | 2,491 |  |  | (16,522) |  |  | 940 |  |  | (216) |  |  | (2,463) |
Charge-offs | (572) |  |  | — |  |  | — |  |  | (68) |  |  | (6,549) |  |  | (7,189) |
Recoveries | 1,288 |  |  | 93 |  |  | 23 |  |  | 309 |  |  | 2,622 |  |  | 4,335 |
Net (charge-offs) recoveries | 716 |  |  | 93 |  |  | 23 |  |  | 241 |  |  | (3,927) |  |  | (2,854) |
Ending balance | $ | 98,830 |  |  | $ | 18,851 |  |  | $ | 100,607 |  |  | $ | 8,035 |  |  | $ | 7,992 |  |  | $ | 234,315 |
| Commercial and Industrial |  | Energy |  | Commercial Real Estate |  | Consumer Real Estate |  | Consumer and Other |  | Total
Nine months ended: |  |  |  |  |  |  |  |  |  |  |
September 30, 2023 |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 104,237 |  |  | $ | 18,062 |  |  | $ | 90,301 |  |  | $ | 8,004 |  |  | $ | 7,017 |  |  | $ | 227,621 |
Credit loss expense (benefit) | (18,903) |  |  | (1,683) |  |  | 35,918 |  |  | 7,235 |  |  | 15,649 |  |  | 38,216 |
Charge-offs | (14,259) |  |  | (518) |  |  | (62) |  |  | (1,500) |  |  | (22,147) |  |  | (38,486) |
Recoveries | 3,232 |  |  | 1,205 |  |  | 335 |  |  | 1,300 |  |  | 8,812 |  |  | 14,884 |
Net (charge-offs) recoveries | (11,027) |  |  | 687 |  |  | 273 |  |  | (200) |  |  | (13,335) |  |  | (23,602) |
Ending balance | $ | 74,307 |  |  | $ | 17,066 |  |  | $ | 126,492 |  |  | $ | 15,039 |  |  | $ | 9,331 |  |  | $ | 242,235 |
September 30, 2022 |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 72,091 |  |  | $ | 17,217 |  |  | $ | 144,936 |  |  | $ | 6,585 |  |  | $ | 7,837 |  |  | $ | 248,666 |
Credit loss expense (benefit) | 29,347 |  |  | 874 |  |  | (44,363) |  |  | 1,497 |  |  | 10,250 |  |  | (2,395) |
Charge-offs | (5,918) |  |  | (371) |  |  | (702) |  |  | (430) |  |  | (17,642) |  |  | (25,063) |
Recoveries | 3,310 |  |  | 1,131 |  |  | 736 |  |  | 383 |  |  | 7,547 |  |  | 13,107 |
Net (charge-offs) recoveries | (2,608) |  |  | 760 |  |  | 34 |  |  | (47) |  |  | (10,095) |  |  | (11,956) |
Ending balance | $ | 98,830 |  |  | $ | 18,851 |  |  | $ | 100,607 |  |  | $ | 8,035 |  |  | $ | 7,992 |  |  | $ | 234,315 |
Financing Receivable, Gross Charge-Offs By Year of Origination | The following table presents year-to-date gross charge-offs by year of origination as of September 30, 2023.
| 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Revolving Loans |  | Revolving Loans Converted to Term |  | Total
Commercial and industrial | $ | 124 |  |  | $ | 952 |  |  | $ | 178 |  |  | $ | 54 |  |  | $ | 25 |  |  | $ | 29 |  |  | $ | 7,594 |  |  | $ | 5,303 |  |  | $ | 14,259 |
Energy | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 518 |  |  | 518 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Buildings, land and other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 62 |  |  | — |  |  | — |  |  | 62 |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer real estate | — |  |  | — |  |  | 280 |  |  | — |  |  | — |  |  | 130 |  |  | 1,090 |  |  | — |  |  | 1,500 |
Consumer and other | 15,543 |  |  | 4,389 |  |  | 60 |  |  | 12 |  |  | 1 |  |  | 23 |  |  | 1,692 |  |  | 427 |  |  | 22,147 |
Total | $ | 15,667 |  |  | $ | 5,341 |  |  | $ | 518 |  |  | $ | 66 |  |  | $ | 26 |  |  | $ | 244 |  |  | $ | 10,376 |  |  | $ | 6,248 |  |  | $ | 38,486 |
Investment in Loans Related to Allowance for Loan Losses by Portfolio Segment Disaggregated Based on Impairment Methodology | The following table presents loans that were evaluated for expected credit losses on an individual basis and the related specific allocations, by loan portfolio segment, as of September 30, 2023 and December 31, 2022.
| September 30, 2023 |  | December 31, 2022
Loan Balance |  | Specific Allocations |  | Loan Balance |  | Specific Allocations
Commercial and industrial | $ | 26,455 |  |  | $ | 5,362 |  |  | $ | 18,980 |  |  | $ | 6,082 |
Energy | 14,054 |  |  | 2,700 |  |  | 15,058 |  |  | 4,383 |
Paycheck Protection Program | — |  |  | — |  |  | — |  |  | — |
Commercial real estate: |  |  |  |  |  |  |
Buildings, land and other | 22,318 |  |  | 1,446 |  |  | 17,711 |  |  | 1,716 |
Construction | — |  |  | — |  |  | — |  |  | — |
Consumer real estate | 2,335 |  |  | 302 |  |  | 827 |  |  | — |
Consumer and other | — |  |  | — |  |  | — |  |  | — |
Total | $ | 65,162 |  |  | $ | 9,810 |  |  | $ | 52,576 |  |  | $ | 12,181 |

X
- Definition Age analysis of Past Due Consumer Loans by Class and Year of Origination [Table Text Block] + References No definition available. + Details
Name: | cfr_AgeanalysisofPastDueConsumerLoansbyClassandYearofOriginationTableTextBlock
Namespace Prefix: | cfr_
Data Type: | dtr-types1:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Financing Receivable, Allowance for Credit Loss By Loan Class Calculated in Accordance With CECL Methodology [Table Text Block] + References No definition available. + Details
Name: | cfr_FinancingReceivableAllowanceforCreditLossByLoanClassCalculatedinAccordanceWithCECLMethodologyTableTextBlock
Namespace Prefix: | cfr_
Data Type: | dtr-types1:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Financing Receivable, Gross Charge-Offs By Year of Origination + References No definition available. + Details
Name: | cfr_FinancingReceivableGrossChargeOffsByYearOfOriginationTableTextBlock
Namespace Prefix: | cfr_
Data Type: | dtr-types1:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition [Table Text Block] for Financing Receivable, Non-Accrual Loans, Segregated by Class of Loan and Year of Origination [Table] + References No definition available. + Details
Name: | cfr_FinancingReceivableNonAccrualLoansSegregatedbyClassofLoanandYearofOriginationTableTextBlock
Namespace Prefix: | cfr_
Data Type: | dtr-types1:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition [Table Text Block] for Revolving Loans Converted to Term [Table] + References No definition available. + Details
Name: | cfr_FinancingReceivableRevolvingLoansConvertedtoTermTableTextBlock
Namespace Prefix: | cfr_
Data Type: | dtr-types1:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition [Table Text Block] for Restructured Loans Past Due in Excess of 90 Days on Financing Receivables [Table] + References No definition available. + Details
Name: | cfr_FinancingReceivablesModifiedLoansPastDueInExcessOf90DaysOrOnNonAccrualStatusChargeOffsAndProceedsFromSaleAtPeriodEndTableTextBlock
Namespace Prefix: | cfr_
Data Type: | dtr-types1:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Investment In Loans Related To The Allowance For Loan Losses By Portfolio Segment Disaggregated Based On Impairment Methodology + References No definition available. + Details
Name: | cfr_InvestmentInLoansRelatedToAllowanceForLoanLossesByPortfolioSegmentDisaggregatedBasedOnImpairmentMethodologyTableTableTextBlock
Namespace Prefix: | cfr_
Data Type: | dtr-types1:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Weighted Average Risk Grades for All Commercial Loans by Class and Year of Origination [Table Text Block] + References No definition available. + Details
Name: | cfr_WeightedAverageRiskGradesforAllCommercialLoansbyClassandYearofOriginationTableTextBlock
Namespace Prefix: | cfr_
Data Type: | dtr-types1:textBlockItemType
Balance Type: | na
Period Type: | duration

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 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Publisher FASB -URI https://asc.fasb.org//1943274/2147481962/310-10-50-11B + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
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 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481962/310-10-50-29 + 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 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 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481962/310-10-50-7 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -Publisher FASB -URI https://asc.fasb.org//1943274/2147481962/310-10-50-7A + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

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

X
- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -Publisher FASB -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1 + Details
Name: | us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable on nonaccrual status. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 16 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-16 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481962/310-10-50-7 + Details
Name: | us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
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/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 2: 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 3: 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 4: http://www.xbrl.org/2009/role/commonPracticeRef -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 Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef -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 + Details
Name: | us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration