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Loans (Tables)
 3 Months Ended
Mar. 31, 2025
Receivables [Abstract]  
Loans
Loans were as follows:
March 31,
2025		December 31,
2024
Commercial and industrial$6,163,093 $6,109,532 
Energy:
Production912,747 903,654 
Service231,675 203,629 
Other8,715 21,612 
Total energy1,153,137 1,128,895 
Commercial real estate:
Commercial mortgages7,171,220 7,165,220 
Construction2,251,265 2,264,076 
Land536,482 539,227 
Total commercial real estate9,958,967 9,968,523 
Consumer real estate:
Home equity lines of credit939,356 911,239 
Home equity loans938,613 914,738 
Home improvement loans864,980 852,536 
1-4 family mortgage loans298,854 259,456 
Other161,741 165,420 
Total consumer real estate3,203,544 3,103,389 
Total real estate13,162,511 13,071,912 
Consumer and other425,179 444,474 
Total loans$20,903,920 $20,754,813 
Non-Accrual Loans, Segregated by Class of Loans
Non-accrual loans, segregated by class of loans, were as follows:
March 31, 2025December 31, 2024
Total Non-AccrualNon-Accrual with No Credit Loss AllowanceTotal Non-AccrualNon-Accrual with No Credit Loss Allowance
Commercial and industrial$48,851 $10,632 $46,004 $8,800 
Energy4,035 1,358 4,079 1,377 
Commercial real estate:
Buildings, land, and other23,669 20,475 21,920 18,660 
Construction— — — — 
Consumer real estate6,438 3,997 6,511 4,048 
Consumer and other541 204 352 — 
Total$83,534 $36,666 $78,866 $32,885 
Financing Receivable, Non-Accrual Loans, Segregated by Class of Loan and Year of Origination
The following table presents non-accrual loans as of March 31, 2025, by class and year of origination.
20252024202320222021PriorRevolving LoansRevolving Loans Converted to TermTotal
Commercial and industrial$19,993 $1,362 $6,663 $3,985 $1,554 $2,249 $800 $12,245 $48,851 
Energy— — — — — 1,358 2,677 — 4,035 
Commercial real estate:
Buildings, land, and other— 3,032 3,107 1,312 10,613 4,351 — 1,254 23,669 
Construction— — — — — — — — — 
Consumer real estate— — 47 100 — 2,279 344 3,668 6,438 
Consumer and other— 204 337 — — — — — 541 
Total$19,993 $4,598 $10,154 $5,397 $12,167 $10,237 $3,821 $17,167 $83,534 
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 March 31, 2025, 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$40,463 $28,432 $68,895 $6,094,198 $6,163,093 $7,218 
Energy6,980 4,074 11,054 1,142,083 1,153,137 39 
Commercial real estate:
Buildings, land, and other49,867 8,805 58,672 7,649,030 7,707,702 4,098 
Construction3,844 — 3,844 2,247,421 2,251,265 — 
Consumer real estate18,731 9,373 28,104 3,175,440 3,203,544 3,322 
Consumer and other6,867 958 7,825 417,354 425,179 958 
Total$126,752 $51,642 $178,394 $20,725,526 $20,903,920 $15,635 
Modification to Borrowers Experiencing Financial Difficulty The period-end balance of loan modifications, segregated by type of modification, to borrowers experiencing financial difficulty during the three months ended March 31, 2025 and 2024 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 March 31, 2025.
Payment
Delay		Percent of
Total Class
of Loans		Combination: Payment Delay and Term ExtensionPercent of
Total Class
of Loans
March 31, 2025
Commercial and industrial$4,385 0.1 %$— — %
Commercial real estate:
Buildings, land, and other1,946 — — — 
$6,331 — $— — 
March 31, 2024
Commercial and industrial$— — %$28,931 0.5 %
Commercial real estate:
Buildings, land, and other— — — — 
$— — $28,931 0.1 
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 March 31, 2025 and March 31, 2024, 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.
March 31, 2025March 31, 2024
Payment
Delay		Combination: Payment Delay and Term ExtensionCombination: Payment Delay and Term Extension
Past due in excess of 90 days or on non-accrual status at period-end:
Commercial and industrial$4,941 $19,347 $13,644 
Commercial real estate:
Buildings, land, and other1,946 — 19,137 
$6,887 $19,347 $32,781 
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 March 31, 2025.
20252024202320222021PriorRevolving LoansRevolving Loans Converted to TermTotalW/A Risk Grade
Commercial and industrial
Risk grades 1-8$877,222 $927,368 $463,360 $351,170 $233,860 $504,251 $2,193,394 $41,349 $5,591,974 6.31 
Risk grade 910,813 10,899 18,527 46,810 21,620 11,921 109,940 19,906 250,436 9.00 
Risk grade 102,184 1,570 10,950 49,032 3,885 25,057 39,141 2,986 134,805 10.00 
Risk grade 1129,544 17,990 20,911 8,652 2,927 6,312 26,854 23,837 137,027 11.00 
Risk grade 1212,457 652 5,753 2,515 1,525 2,219 617 8,689 34,427 12.00 
Risk grade 137,536 710 910 1,470 29 30 183 3,556 14,424 13.00 
$939,756 $959,189 $520,411 $459,649 $263,846 $549,790 $2,370,129 $100,323 $6,163,093 6.66 
W/A risk grade6.61 6.86 7.13 7.45 7.15 5.88 6.37 9.08 6.66 
Energy
Risk grades 1-8$197,422 $197,147 $19,272 $34,420 $14,400 $1,956 $659,248 $1,907 $1,125,772 5.53 
Risk grade 9487 — 2,258 — 13 538 7,474 571 11,341 9.00 
Risk grade 10— — — 636 1,969 — 4,192 3,000 9,797 10.00 
Risk grade 11— 149 — 2,018 — 25 — — 2,192 11.00 
Risk grade 12— — — — — 1,358 — — 1,358 12.00 
Risk grade 13— — — — — — 2,677 — 2,677 13.00 
$197,909 $197,296 $21,530 $37,074 $16,382 $3,877 $673,591 $5,478 $1,153,137 5.64 
W/A risk grade6.00 6.57 7.22 7.56 4.67 9.29 5.08 8.96 5.64 
Commercial real estate:
Buildings, land, other
Risk grades 1-8$294,901 $1,392,807 $1,275,664 $1,362,405 $933,837 $1,513,562 $170,204 $144,616 $7,087,996 7.00 
Risk grade 9699 10,616 14,815 75,960 60,126 64,873 4,170 433 231,692 9.00 
Risk grade 103 4,309 31,293 77,174 62,385 26,619 — 194 201,977 10.00 
Risk grade 11— 8,007 9,258 36,940 17,053 87,234 246 3,630 162,368 11.00 
Risk grade 12— 3,032 3,107 1,312 10,391 4,229 — 973 23,044 12.00 
Risk grade 13— — — — 222 122 — 281 625 13.00 
$295,603 $1,418,771 $1,334,137 $1,553,791 $1,084,014 $1,696,639 $174,620 $150,127 $7,707,702 7.24 
W/A risk grade6.98 7.20 7.30 7.34 7.54 7.14 6.79 5.84 7.24 
20252024202320222021PriorRevolving LoansRevolving Loans Converted to TermTotalW/A Risk Grade
Construction
Risk grades 1-8$133,282 $580,216 $566,929 $336,820 $65,554 $3,598 $178,803 $155 $1,865,357 7.38 
Risk grade 921,955 2,310 13,029 152,784 35,836 — 18,103 — 244,017 9.00 
Risk grade 1016,055 — — 47,088 78,748 — — — 141,891 10.00 
Risk grade 11— — — — — — — — — 11.00 
Risk grade 12— — — — — — — — — 12.00 
Risk grade 13— — — — — — — — — 13.00 
$171,292 $582,526 $579,958 $536,692 $180,138 $3,598 $196,906 $155 $2,251,265 7.72 
W/A risk grade7.41 7.57 7.56 8.28 8.77 7.28 6.44 7.02 7.72 
Total commercial real estate$466,895 $2,001,297 $1,914,095 $2,090,483 $1,264,152 $1,700,237 $371,526 $150,282 $9,958,967 7.35 
W/A risk grade7.14 7.31 7.38 7.58 7.72 7.14 6.60 5.84 7.35 
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, 2024. Refer to our 2024 Form 10-K for details of these loans by year of origination/renewal.
Commercial and IndustrialEnergyCommercial Real Estate - Buildings, Land and OtherCommercial Real Estate - ConstructionTotal Commercial Real Estate
W/A Risk GradeLoansW/A Risk GradeLoansW/A Risk GradeLoansW/A Risk GradeLoansW/A Risk GradeLoans
Risk grades 1-86.30 $5,553,757 5.51 $1,111,319 7.01 $7,103,502 7.31 $1,860,004 7.07 $8,963,506 
Risk grade 99.00 262,446 9.00 11,183 9.00 211,814 9.00 171,611 9.00 383,425 
Risk grade 1010.00 88,935 10.00 52 10.00 173,033 10.00 232,461 10.00 405,494 
Risk grade 1111.00 158,390 11.00 2,262 11.00 194,178 11.00 — 11.00 194,178 
Risk grade 1212.00 32,739 12.00 1,379 12.00 21,295 12.00 — 12.00 21,295 
Risk grade 1313.00 13,265 13.00 2,700 13.00 625 13.00 — 13.00 625 
Total6.64 $6,109,532 5.58 $1,128,895 7.25 $7,704,447 7.71 $2,264,076 7.35 $9,968,523 
Age analysis of Past Due Consumer Loans by Class and Year of Origination
Information about the payment status of consumer loans, segregated by portfolio segment and year of origination, as of March 31, 2025, was as follows:
20252024202320222021PriorRevolving LoansRevolving Loans Converted to TermTotal
Consumer real estate:
Past due 30-89 days$— $426 $1,821 $2,225 $1,225 $3,350 $9,322 $362 $18,731 
Past due 90 or more days— 155 434 469 466 3,110 906 3,833 9,373 
Total past due— 581 2,255 2,694 1,691 6,460 10,228 4,195 28,104 
Current loans124,072 692,889 527,716 377,051 240,897 287,806 917,172 7,837 3,175,440 
Total$124,072 $693,470 $529,971 $379,745 $242,588 $294,266 $927,400 $12,032 $3,203,544 
Consumer and other:
Past due 30-89 days$2,776 $291 $1,053 $177 $— $79 $1,486 $1,005 $6,867 
Past due 90 or more days259 53 6 143 20 — 296 181 958 
Total past due3,035 344 1,059 320 20 79 1,782 1,186 7,825 
Current loans23,685 30,980 22,265 7,674 2,600 2,581 303,008 24,561 417,354 
Total$26,720 $31,324 $23,324 $7,994 $2,620 $2,660 $304,790 $25,747 $425,179 
Revolving Loans Converted to Term [Table Text Block]
Period-end balances for revolving loans that converted to term during the three months ended March 31, 2025 and 2024 were as follows:
Three Months Ended
March 31,
20252024
Commercial and industrial$28,429 $20,972 
Energy46 44 
Commercial real estate:
Buildings, land and other55,054 3,081 
Construction— — 
Consumer real estate599 792 
Consumer and other3,793 3,020 
Total$87,921 $27,909 
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 March 31, 2025 and December 31, 2024.
March 31, 2025Commercial
and
Industrial		EnergyCommercial
Real Estate		Consumer
Real Estate		Consumer
and Other		Total
Modeled expected credit losses$55,502 $4,107 $17,482 $17,562 $5,590 $100,243 
Q-Factor and other qualitative adjustments24,381 3,472 125,070 615 3,084 156,622 
Specific allocations14,424 2,677 625 747 150 18,623 
Total$94,307 $10,256 $143,177 $18,924 $8,824 $275,488 
December 31, 2024
Modeled expected credit losses$51,669 $3,969 $17,549 $17,720 $7,019 $97,926 
Q-Factor and other qualitative adjustments22,635 3,323 125,031 620 3,095 154,704 
Specific allocations
13,265 2,700 625 766 165 17,521 
Total$87,569 $9,992 $143,205 $19,106 $10,279 $270,151 
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 months ended March 31, 2025 and 2024. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
Commercial
and
Industrial		EnergyCommercial
Real Estate		Consumer
Real Estate		Consumer
and Other		Total
Three months ended:
March 31, 2025
Beginning balance$87,569 $9,992 $143,205 $19,106 $10,279 $270,151 
Credit loss expense (benefit)10,181 (38)1,970 429 2,486 15,028 
Charge-offs(4,336)(52)(2,000)(958)(6,844)(14,190)
Recoveries893 354 2 347 2,903 4,499 
Net (charge-offs) recoveries(3,443)302 (1,998)(611)(3,941)(9,691)
Ending balance$94,307 $10,256 $143,177 $18,924 $8,824 $275,488 
March 31, 2024
Beginning balance$74,006 $17,814 $130,598 $13,538 $10,040 $245,996 
Credit loss expense (benefit)1,992 (3,776)7,610 1,806 4,018 11,650 
Charge-offs(2,144)— — (1,669)(8,257)(12,070)
Recoveries1,742 180 16 182 2,601 4,721 
Net (charge-offs) recoveries(402)180 16 (1,487)(5,656)(7,349)
Ending balance$75,596 $14,218 $138,224 $13,857 $8,402 $250,297 
Financing Receivable, Gross Charge-Offs By Year of Origination
The following table presents year-to-date gross charge-offs by year of origination as of March 31, 2025.
20252024202320222021PriorRevolving LoansRevolving Loans Converted to TermTotal
Commercial and industrial$— $— $1,166 $— $95 $61 $1,971 $1,043 $4,336 
Energy— — — 52 — — — — 52 
Commercial real estate:
Buildings, land and other— — — — 2,000 — — — 2,000 
Construction— — — — — — — — — 
Consumer real estate— 57 39 110 134 111 507 — 958 
Consumer and other1,804 3,874 33 75 — 2 701 355 6,844 
Total$1,804 $3,931 $1,238 $237 $2,229 $174 $3,179 $1,398 $14,190 
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 March 31, 2025 and December 31, 2024.
March 31, 2025December 31, 2024
Loan
Balance		Specific AllocationsLoan
Balance		Specific Allocations
Commercial and industrial$47,860 $14,424 $45,009 $13,265 
Energy4,035 2,677 4,078 2,700 
Commercial real estate:
Buildings, land and other20,656 122 18,797 122 
Construction1,946 503 2,012 503 
Consumer real estate6,104 747 6,039 766 
Consumer and other337 150 352 165 
Total$80,938 $18,623 $76,287 $17,521