Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2025

Schedule Of Credit Losses Related To Accrued Interest Receivables and Written Off


	Accrued Interest Receivable
(In thousands)	At December 31, 2025		At December 31, 2024
Commercial Real Estate:
Owner-occupied	$	6,922	$	4,700
Nonowner-occupied		37,086		30,582
Other Commercial		11,822		10,512
Residential Real Estate		21,643		21,662
Construction		16,046		17,174
Consumer:
Bankcard		0		0
Other consumer		2,441		2,432

Total	$	95,960	$	87,062

Schedule of Accrued Interest Receivables Written off by Reversing Interest

The following table represents the accrued interest receivables written off by reversing interest income for the year ended December 31, 2025 and December 31, 2024:


	Accrued Interest Receivables Written Off by Reversing Interest Income
(In thousands)	Year Ended
	2025		2024
Commercial Real Estate:
Owner-occupied	$	90	$	186
Nonowner-occupied		1,481		853
Other Commercial		82		736
Residential Real Estate		577		232
Construction		267		23
Consumer:
Bankcard		0		0
Other consumer		241		345

Total	$	2,738	$	2,375

Schedule of Allowance for Loan Losses and Carrying Amount of Loans

A progression of the allowance for loan losses, by portfolio segment, for the periods indicated is summarized as follows:


Allowance for Loan and Lease Losses and Carrying Amount of Loans and Leases For the Year Ended December 31, 2025
	Commercial Real Estate						Other Commercial			Residential Real Estate			Construction & Land Development			Bankcard			Other Consumer			Total
(In thousands)	Owner- occupied			Nonowner- occupied			Other Commercial			Residential Real Estate			Construction & Land Development			Bankcard			Other Consumer			Total
Allowance for Loan and Lease Losses:
Beginning balance	$	11,852		$	74,522		$	65,105		$	46,373		$	63,621		$	891		$	9,480		$	271,844
Initial allowance for PCD loans (acquired during the period)		795			11,059			872			208			4,584			0			0			17,518
Charge-offs		(228	)		(35,798	)		(5,424	)		(999	)		(408	)		(320	)		(7,735	)		(50,912	)
Recoveries		318			160			2,309			704			225			55			1,429			5,200
Provision		827			46,773			(1,133	)		7,663			(10,055	)		263			9,530			53,868

Ending balance	$	13,564		$	96,716		$	61,729		$	53,949		$	57,967		$	889		$	12,704		$	297,518


Allowance for Loan and Lease Losses and Carrying Amount of Loans and Leases For the Year Ended December 31, 2024
(In thousands)	Commercial Real Estate						Other Commercial			Residential Real Estate			Construction & Land Development			Bankcard			Other Consumer			Total
(In thousands)	Owner- occupied			Nonowner- occupied			Other Commercial			Residential Real Estate			Construction & Land Development			Bankcard			Other Consumer			Total
Allowance for Loan and Lease Losses:
Beginning balance	$	11,895		$	57,935		$	75,007		$	41,167		$	59,913		$	810		$	12,510		$	259,237
Charge-offs		(116	)		(2,581	)		(3,589	)		(481	)		(29	)		(431	)		(10,303	)		(17,530	)
Recoveries		1,183			200			1,650			495			319			19			1,119			4,985
Provision		(1,110	)		18,968			(7,963	)		5,192			3,418			493			6,154			25,152

Ending balance	$	11,852		$	74,522		$	65,105		$	46,373		$	63,621		$	891		$	9,480		$	271,844

A progression of the allowance for credit losses, which includes the allowance for loan losses and the reserve for lending-related commitments, for the periods presented is summarized as follows:

Progression of Allowance for Credit Losses Including Allowance for Loan Losses and Reserve for Lending-Related Commitment


	Year Ended December 31
(In thousands)	2025			2024			2023
Balance of allowance for loan and lease losses at beginning of period	$	271,844		$	259,237		$	234,746
Initial allowance for acquired PCD loans		17,518			0			0
Gross charge-offs		(50,912	)		(17,530	)		(11,304	)
Recoveries		5,200			4,985			4,641

Net charge-offs		(45,712	)		(12,545	)		(6,663	)
Provision for loan and lease losses		53,868			25,152			31,154

Balance of allowance for loan and lease losses at end of period	$	297,518		$	271,844		$	259,237
Reserve for lending-related commitments		35,075			34,911			44,706

Balance of allowance for credit losses at end of period	$	332,593		$	306,755		$	303,943