XML 36 R29.htm IDEA: XBRL DOCUMENT v3.26.1
Loans and Allowance for Credit Losses (Tables)
3 Months Ended
Mar. 31, 2026
Accounts Notes And Loans Receivable [Line Items]  
Loans, Net of Unearned Income

 

 

March 31,

 

 

December 31,

 

($ in thousands)

 

2026

 

 

2025

 

Commercial non-real estate

 

$

9,710,891

 

 

$

9,809,011

 

Commercial real estate - owner occupied

 

 

3,299,867

 

 

 

3,270,080

 

Total commercial and industrial

 

 

13,010,758

 

 

 

13,079,091

 

Commercial real estate - income producing

 

 

4,382,665

 

 

 

4,283,168

 

Construction and land development

 

 

1,320,224

 

 

 

1,239,086

 

Residential mortgages

 

 

3,950,154

 

 

 

4,016,917

 

Consumer

 

 

1,328,039

 

 

 

1,340,178

 

Total loans

 

$

23,991,840

 

 

$

23,958,440

 

Allowance for Credit Losses by Portfolio Class

The following tables present activity in the allowance for credit losses by portfolio class for the three months ended March 31, 2026 and 2025, as well as the allowance for credit loss by primary calculation method at the end of each period.

 

 

 

 

Commercial

 

Total

 

Commercial

 

 

 

 

 

 

 

 

 

 

Commercial

 

Real Estate-

 

Commercial

 

Real Estate-

 

Construction

 

 

 

 

 

 

 

 

Non-Real

 

Owner

 

and

 

Income

 

and Land

 

Residential

 

 

 

 

 

($ in thousands)

Estate

 

Occupied

 

Industrial

 

Producing

 

Development

 

Mortgages

 

Consumer

 

Total

 

 

Three Months Ended March 31, 2026

 

Allowance for credit losses

 

 

 

 

 

 

 

 

 

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

Beginning balance

$

121,439

 

$

40,695

 

$

162,134

 

$

60,475

 

$

17,450

 

$

42,834

 

$

24,838

 

$

307,731

 

Charge-offs

 

(8,506

)

 

(8

)

 

(8,514

)

 

 

 

(219

)

 

(250

)

 

(4,410

)

 

(13,393

)

Recoveries

 

1,123

 

 

142

 

 

1,265

 

 

3

 

 

1

 

 

71

 

 

917

 

 

2,257

 

Net provision for loan losses

 

13,433

 

 

2,901

 

 

16,334

 

 

(3,363

)

 

478

 

 

(1,089

)

 

2,361

 

 

14,721

 

Ending balance - allowance for loan losses

$

127,489

 

$

43,730

 

$

171,219

 

$

57,115

 

$

17,710

 

$

41,566

 

$

23,706

 

$

311,316

 

Reserve for unfunded lending commitments:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Beginning balance

$

12,639

 

$

371

 

$

13,010

 

$

1,005

 

$

17,949

 

$

3

 

$

1,961

 

$

33,928

 

Provision for losses on unfunded commitments

 

(1,292

)

 

(48

)

 

(1,340

)

 

(183

)

 

86

 

 

(2

)

 

(110

)

 

(1,549

)

Ending balance - reserve for unfunded lending commitments

 

11,347

 

 

323

 

 

11,670

 

 

822

 

 

18,035

 

 

1

 

 

1,851

 

 

32,379

 

Total allowance for credit losses

$

138,836

 

$

44,053

 

$

182,889

 

$

57,937

 

$

35,745

 

$

41,567

 

$

25,557

 

$

343,695

 

Allowance for credit losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated

$

10,947

 

$

 

$

10,947

 

$

 

$

 

$

234

 

$

52

 

$

11,233

 

Collectively evaluated

$

127,889

 

$

44,053

 

$

171,942

 

$

57,937

 

$

35,745

 

$

41,333

 

$

25,505

 

$

332,462

 

 

 

 

Commercial

 

Total

 

Commercial

 

 

 

 

 

 

 

 

 

 

Commercial

 

Real Estate-

 

Commercial

 

Real Estate-

 

Construction

 

 

 

 

 

 

 

 

Non-Real

 

Owner

 

and

 

Income

 

and Land

 

Residential

 

 

 

 

 

($ in thousands)

Estate

 

Occupied

 

Industrial

 

Producing

 

Development

 

Mortgages

 

Consumer

 

Total

 

 

Three Months Ended March 31, 2025

 

Allowance for credit losses

 

 

 

 

 

 

 

 

 

 

 

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

Beginning balance

$

121,090

 

$

36,264

 

$

157,354

 

$

71,975

 

$

21,158

 

$

42,445

 

$

25,950

 

$

318,882

 

Charge-offs

 

(6,132

)

 

(2,741

)

 

(8,873

)

 

(34

)

 

(8

)

 

(167

)

 

(4,211

)

 

(13,293

)

Recoveries

 

1,650

 

 

95

 

 

1,745

 

 

 

 

110

 

 

387

 

 

804

 

 

3,046

 

Net provision for loan losses

 

5,607

 

 

2,515

 

 

8,122

 

 

(1,562

)

 

(1,052

)

 

535

 

 

3,441

 

 

9,484

 

Ending balance - allowance for loan losses

$

122,215

 

$

36,133

 

$

158,348

 

$

70,379

 

$

20,208

 

$

43,200

 

$

25,984

 

$

318,119

 

Reserve for unfunded lending commitments:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Beginning balance

$

6,441

 

$

309

 

$

6,750

 

$

642

 

$

14,639

 

$

4

 

$

2,018

 

$

24,053

 

Provision for losses on unfunded commitments

 

515

 

 

(13

)

 

502

 

 

(198

)

 

696

 

 

(1

)

 

(21

)

 

978

 

Ending balance - reserve for unfunded lending commitments

 

6,956

 

 

296

 

 

7,252

 

 

444

 

 

15,335

 

 

3

 

 

1,997

 

 

25,031

 

Total allowance for credit losses

$

129,171

 

$

36,429

 

$

165,600

 

$

70,823

 

$

35,543

 

$

43,203

 

$

27,981

 

$

343,150

 

Allowance for credit losses

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated

$

10,406

 

$

49

 

$

10,455

 

$

 

$

 

$

752

 

$

197

 

$

11,404

 

Collectively evaluated

$

118,765

 

$

36,380

 

$

155,145

 

$

70,823

 

$

35,543

 

$

42,451

 

$

27,784

 

$

331,746

 

Composition of Nonaccrual Loans and Without an Allowance for Loan Loss by Portfolio Class

The following table shows the composition of nonaccrual loans and those without an allowance for loan losses, by portfolio class at March 31, 2026 and December 31, 2025.

 

 

 

 

 

 

 

 

 

 

 

March 31, 2026

 

December 31, 2025

 

($ in thousands)

Total Nonaccrual

 

Nonaccrual Without Allowance for Loan Loss

 

Total Nonaccrual

 

Nonaccrual Without Allowance for Loan Loss

 

Commercial non-real estate

$

41,381

 

$

5,302

 

$

34,525

 

$

3,294

 

Commercial real estate - owner occupied

 

5,930

 

 

2,810

 

 

6,723

 

 

1,470

 

Total commercial and industrial

 

47,311

 

 

8,112

 

 

41,248

 

 

4,764

 

Commercial real estate - income producing

 

2,010

 

 

1,326

 

 

4,760

 

 

5,114

 

Construction and land development

 

1,028

 

 

 

 

3,173

 

 

2,178

 

Residential mortgages

 

51,262

 

 

1,076

 

 

46,986

 

 

2,511

 

Consumer

 

11,732

 

 

167

 

 

10,703

 

 

316

 

Total

$

113,343

 

$

10,681

 

$

106,870

 

$

14,883

 

 

Provides Detail by Portfolio Class for Reportable MEFDs

The tables below provide detail by portfolio class for reportable MEFDs entered into during the three months ended March 31, 2026 and 2025. Modified facilities are reported using the balance at the end of each period reported and are reflected only once in each table based on the type of modification or combination of modification.

 

Three Months Ended March 31, 2026

 

 

Term Extension

 

Significant Payment Delay

 

Term Extensions and
Significant Payment Delay

 

Other(1)

 

($ in thousands)

Balance

 

Percentage of Portfolio

 

Balance

 

Percentage of Portfolio

 

Balance

 

Percentage of Portfolio

 

Balance

 

Percentage of Portfolio

 

Commercial non-real estate

$

3,471

 

 

0.04

%

$

16,305

 

 

0.17

%

$

7,425

 

 

0.08

%

$

 

 

 

Commercial real estate - owner occupied

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total commercial and industrial

 

3,471

 

 

0.03

%

 

16,305

 

 

0.13

%

 

7,425

 

 

0.06

%

 

 

 

 

Commercial real estate - income producing

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Construction and land development

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Residential mortgages

 

3,949

 

 

0.10

%

 

 

 

 

 

 

 

 

 

263

 

 

0.01

%

Consumer

 

31

 

 

0.00

%

 

 

 

 

 

 

 

 

 

 

 

 

Total reportable modified loans

$

7,451

 

 

0.03

%

$

16,305

 

 

0.07

%

$

7,425

 

 

0.03

%

$

263

 

 

0.00

%

(1)
Includes a combination of interest rate reduction and term extension.

 

 

Three Months Ended March 31, 2025

 

 

Term Extension

 

Significant Payment Delay

 

Term Extensions and
Significant Payment Delay

 

Other

 

($ in thousands)

Balance

 

Percentage of Portfolio

 

Balance

 

Percentage of Portfolio

 

Balance

 

Percentage of Portfolio

 

Balance

 

Percentage of Portfolio

 

Commercial non-real estate

$

44,700

 

 

0.46

%

$

197

 

 

0.00

%

$

 

 

 

$

 

 

 

Commercial real estate - owner occupied

 

366

 

 

0.01

%

 

 

 

 

 

 

 

 

 

 

 

 

Total commercial and industrial

 

45,066

 

 

0.36

%

 

197

 

 

0.00

%

 

 

 

 

 

 

 

 

Commercial real estate - income producing

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Construction and land development

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Residential mortgages

 

13,167

 

 

0.33

%

 

412

 

 

0.01

%

 

 

 

 

 

 

 

 

Consumer

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total reportable modified loans

$

58,233

 

 

0.25

%

$

609

 

 

0.00

%

$

 

 

 

$

 

 

 

Aging Analysis of Reportable Modifications To Borrowers Experiencing Financial Difficulty by Portfolio Class

The tables that follow present the aging analysis of reportable modifications to borrowers experiencing financial difficulty by portfolio class at March 31, 2026 and December 31, 2025.

March 31, 2026

30-59
Days
Past Due

 

60-89
Days
Past Due

 

Greater than
90 Days
Past Due

 

Total
Past Due

 

Current

 

Total Reportable
Modified Loans

 

(in thousands)

 

 

 

 

 

 

 

 

 

 

 

 

Commercial non-real estate

$

9,850

 

$

543

 

$

5,069

 

$

15,462

 

$

72,194

 

$

87,656

 

Commercial real estate - owner occupied

 

 

 

23,128

 

 

5,569

 

 

28,697

 

 

231

 

 

28,928

 

Total commercial and industrial

 

9,850

 

 

23,671

 

 

10,638

 

 

44,159

 

 

72,425

 

 

116,584

 

Commercial real estate - income producing

 

 

 

1,217

 

 

1,705

 

 

2,922

 

 

11,035

 

 

13,957

 

Construction and land development

 

 

 

 

 

147

 

 

147

 

 

 

 

147

 

Residential mortgages

 

300

 

 

2,226

 

 

27

 

 

2,553

 

 

9,127

 

 

11,680

 

Consumer

 

 

 

 

 

148

 

 

148

 

 

251

 

 

399

 

Total reportable modified loans

$

10,150

 

$

27,114

 

$

12,665

 

$

49,929

 

$

92,838

 

$

142,767

 

 

December 31, 2025

30-59
Days
Past Due

 

60-89
Days
Past Due

 

Greater than
90 Days
Past Due

 

Total
Past Due

 

Current

 

Total Reportable
Modified Loans

 

(in thousands)

 

 

 

 

 

 

 

 

 

 

 

 

Commercial non-real estate

$

 

$

27,670

 

$

734

 

$

28,404

 

$

74,911

 

$

103,315

 

Commercial real estate - owner occupied

 

 

 

 

 

 

 

 

 

28,939

 

 

28,939

 

Total commercial and industrial

 

 

 

27,670

 

 

734

 

 

28,404

 

 

103,850

 

 

132,254

 

Commercial real estate - income producing

 

 

 

 

 

 

 

 

 

14,914

 

 

14,914

 

Construction and land development

 

 

 

 

 

 

 

 

 

147

 

 

147

 

Residential mortgages

 

1,285

 

 

416

 

 

 

 

1,701

 

 

13,458

 

 

15,159

 

Consumer

 

 

 

 

 

148

 

 

148

 

 

227

 

 

375

 

Total reportable modified loans

$

1,285

 

$

28,086

 

$

882

 

$

30,253

 

$

132,596

 

$

162,849

 

Aging Analysis of Past Due Loans by Portfolio Class

The tables below present the aging analysis of past due loans by portfolio class at March 31, 2026 and December 31, 2025.

March 31, 2026

30-59
Days
Past Due

 

60-89
Days
Past Due

 

Greater than
90 Days
Past Due

 

Total
Past Due

 

Current

 

Total
Loans

 

Recorded
Investment
> 90 Days and
Still Accruing

 

($ in thousands)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial non-real estate

$

28,794

 

$

18,882

 

$

44,631

 

$

92,307

 

$

9,618,584

 

$

9,710,891

 

$

15,105

 

Commercial real estate - owner occupied

 

5,432

 

 

26,986

 

 

13,311

 

 

45,729

 

 

3,254,138

 

 

3,299,867

 

 

8,235

 

Total commercial and industrial

 

34,226

 

 

45,868

 

 

57,942

 

 

138,036

 

 

12,872,722

 

 

13,010,758

 

 

23,340

 

Commercial real estate - income producing

 

15,891

 

 

1,360

 

 

5,842

 

 

23,093

 

 

4,359,572

 

 

4,382,665

 

 

4,312

 

Construction and land development

 

3,189

 

 

247

 

 

1,090

 

 

4,526

 

 

1,315,698

 

 

1,320,224

 

 

147

 

Residential mortgages

 

52,593

 

 

13,821

 

 

27,965

 

 

94,379

 

 

3,855,775

 

 

3,950,154

 

 

70

 

Consumer

 

9,215

 

 

3,699

 

 

9,042

 

 

21,956

 

 

1,306,083

 

 

1,328,039

 

 

2,016

 

Total loans

$

115,114

 

$

64,995

 

$

101,881

 

$

281,990

 

$

23,709,850

 

$

23,991,840

 

$

29,885

 

 

 

December 31, 2025

30-59
Days
Past Due

 

60-89
Days
Past Due

 

Greater than
90 Days
Past Due

 

Total
Past Due

 

Current

 

Total
Loans

 

Recorded
Investment
> 90 Days and
Still Accruing

 

($ in thousands)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial non-real estate

$

19,008

 

$

43,316

 

$

39,954

 

$

102,278

 

$

9,706,733

 

$

9,809,011

 

$

20,358

 

Commercial real estate - owner occupied

 

15,013

 

 

308

 

 

7,609

 

 

22,930

 

 

3,247,150

 

 

3,270,080

 

 

1,586

 

Total commercial and industrial

 

34,021

 

 

43,624

 

 

47,563

 

 

125,208

 

 

12,953,883

 

 

13,079,091

 

 

21,944

 

Commercial real estate - income producing

 

990

 

 

2,806

 

 

7,177

 

 

10,973

 

 

4,272,195

 

 

4,283,168

 

 

2,928

 

Construction and land development

 

1,754

 

 

564

 

 

3,488

 

 

5,806

 

 

1,233,280

 

 

1,239,086

 

 

565

 

Residential mortgages

 

42,302

 

 

17,984

 

 

34,656

 

 

94,942

 

 

3,921,975

 

 

4,016,917

 

 

116

 

Consumer

 

9,284

 

 

4,675

 

 

9,839

 

 

23,798

 

 

1,316,380

 

 

1,340,178

 

 

3,245

 

Total loans

$

88,351

 

$

69,653

 

$

102,723

 

$

260,727

 

$

23,697,713

 

$

23,958,440

 

$

28,798

 

Credit Quality Indicators by Segment and Portfolio Class

The following tables present credit quality disclosures of amortized cost by class and vintage for term loans and by revolving and revolving converted to amortizing at March 31, 2026 and December 31, 2025. The Company defines vintage as the later of origination, renewal or modification date. The gross charge-offs presented in the tables that follow are for the three months ended March 31, 2026 and the year ended December 31, 2025.

 

Term Loans

 

 

 

Revolving Loans

 

 

 

March 31, 2026

Amortized Cost Basis by Origination Year

 

Revolving

 

Converted to

 

 

 

 ($ in thousands)

2026

 

2025

 

2024

 

2023

 

2022

 

Prior

 

Loans

 

Term Loans

 

Total

 

Commercial Non-Real Estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

$

486,599

 

$

1,850,898

 

$

1,020,799

 

$

664,963

 

$

742,221

 

$

1,291,012

 

$

2,961,563

 

$

104,592

 

$

9,122,647

 

Pass-Watch

 

253

 

 

21,467

 

 

16,094

 

 

34,761

 

 

30,484

 

 

49,044

 

 

73,504

 

 

1,464

 

 

227,071

 

Special Mention

 

 

 

3,871

 

 

12,835

 

 

4,857

 

 

25,181

 

 

8,209

 

 

12,096

 

 

1,245

 

 

68,294

 

Substandard

 

6,349

 

 

8,709

 

 

14,703

 

 

75,446

 

 

70,940

 

 

31,809

 

 

77,583

 

 

7,340

 

 

292,879

 

Doubtful

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

493,201

 

$

1,884,945

 

$

1,064,431

 

$

780,027

 

$

868,826

 

$

1,380,074

 

$

3,124,746

 

$

114,641

 

$

9,710,891

 

Gross Charge-offs

$

 

$

133

 

$

283

 

$

4,363

 

$

387

 

$

2,239

 

$

474

 

$

627

 

$

8,506

 

Commercial Real Estate - Owner Occupied:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

$

143,915

 

$

618,064

 

$

376,479

 

$

350,264

 

$

452,448

 

$

1,116,223

 

$

58,888

 

$

614

 

$

3,116,895

 

Pass-Watch

 

1,146

 

 

26,994

 

 

9,420

 

 

1,881

 

 

32,074

 

 

25,256

 

 

615

 

 

 

 

97,386

 

Special Mention

 

 

 

2,357

 

 

1,099

 

 

638

 

 

6,250

 

 

5,258

 

 

 

 

 

 

15,602

 

Substandard

 

 

 

4,156

 

 

806

 

 

7,081

 

 

20,804

 

 

36,893

 

 

244

 

 

 

 

69,984

 

Doubtful

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

145,061

 

$

651,571

 

$

387,804

 

$

359,864

 

$

511,576

 

$

1,183,630

 

$

59,747

 

$

614

 

$

3,299,867

 

Gross Charge-offs

$

 

$

 

$

 

$

 

$

8

 

$

 

$

 

$

 

$

8

 

Commercial Real Estate - Income Producing:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

$

255,347

 

$

1,055,337

 

$

477,210

 

$

515,599

 

$

674,686

 

$

1,084,031

 

$

65,341

 

$

50

 

$

4,127,601

 

Pass-Watch

 

 

 

81,629

 

 

130

 

 

952

 

 

93,495

 

 

33,077

 

 

1,053

 

 

 

 

210,336

 

Special Mention

 

 

 

7,955

 

 

 

 

285

 

 

 

 

 

 

 

 

 

 

8,240

 

Substandard

 

 

 

1,086

 

 

 

 

3,933

 

 

11,191

 

 

18,900

 

 

1,378

 

 

 

 

36,488

 

Doubtful

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

255,347

 

$

1,146,007

 

$

477,340

 

$

520,769

 

$

779,372

 

$

1,136,008

 

$

67,772

 

$

50

 

$

4,382,665

 

Gross Charge-offs

$

 

$

 

$

 

$

 

$

 

$

 

$

 

$

 

$

 

Construction and Land Development:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

$

71,790

 

$

430,756

 

$

328,254

 

$

191,007

 

$

45,730

 

$

87,764

 

$

113,764

 

$

4,538

 

$

1,273,603

 

Pass-Watch

 

 

 

3,651

 

 

436

 

 

1,769

 

 

2,498

 

 

277

 

 

7,278

 

 

 

 

15,909

 

Special Mention

 

 

 

 

 

 

 

 

 

27,947

 

 

109

 

 

 

 

 

 

28,056

 

Substandard

 

 

 

149

 

 

180

 

 

1,535

 

 

333

 

 

416

 

 

43

 

 

 

 

2,656

 

Doubtful

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

71,790

 

$

434,556

 

$

328,870

 

$

194,311

 

$

76,508

 

$

88,566

 

$

121,085

 

$

4,538

 

$

1,320,224

 

Gross Charge-offs

$

 

$

 

$

 

$

 

$

218

 

$

1

 

$

 

$

 

$

219

 

Residential Mortgage:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

$

56,722

 

$

324,309

 

$

125,804

 

$

379,349

 

$

1,018,788

 

$

1,990,972

 

$

2,948

 

$

 

$

3,898,892

 

Nonperforming

 

 

 

627

 

 

1,963

 

 

12,620

 

 

13,197

 

 

22,855

 

 

 

 

 

 

51,262

 

Total

$

56,722

 

$

324,936

 

$

127,767

 

$

391,969

 

$

1,031,985

 

$

2,013,827

 

$

2,948

 

$

 

$

3,950,154

 

Gross Charge-offs

$

 

$

 

$

 

$

190

 

$

 

$

60

 

$

 

$

 

$

250

 

Consumer Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

$

28,083

 

$

28,414

 

$

22,110

 

$

19,650

 

$

15,463

 

$

73,494

 

$

1,117,658

 

$

11,435

 

$

1,316,307

 

Nonperforming

 

 

 

45

 

 

267

 

 

1,334

 

 

1,336

 

 

7,318

 

 

362

 

 

1,070

 

 

11,732

 

Total

$

28,083

 

$

28,459

 

$

22,377

 

$

20,984

 

$

16,799

 

$

80,812

 

$

1,118,020

 

$

12,505

 

$

1,328,039

 

Gross Charge-offs

$

 

$

59

 

$

266

 

$

272

 

$

291

 

$

135

 

$

2,926

 

$

461

 

$

4,410

 

 

 

Term Loans

 

 

 

Revolving Loans

 

 

 

December 31, 2025

Amortized Cost Basis by Origination Year

 

Revolving

 

Converted to

 

 

 

 ($ in thousands)

2025

 

2024

 

2023

 

2022

 

2021

 

Prior

 

Loans

 

Term Loans

 

Total

 

Commercial Non-Real Estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

$

2,030,587

 

$

1,164,266

 

$

711,218

 

$

812,902

 

$

525,095

 

$

891,032

 

$

2,955,174

 

$

90,350

 

$

9,180,624

 

Pass-Watch

 

24,737

 

 

27,477

 

 

39,683

 

 

33,385

 

 

12,896

 

 

18,064

 

 

94,461

 

 

15,417

 

 

266,120

 

Special Mention

 

2,405

 

 

6,975

 

 

6,239

 

 

27,719

 

 

10,564

 

 

4,305

 

 

28,330

 

 

2,192

 

 

88,729

 

Substandard

 

13,738

 

 

6,450

 

 

81,228

 

 

87,745

 

 

11,275

 

 

6,798

 

 

51,619

 

 

14,685

 

 

273,538

 

Doubtful

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

2,071,467

 

$

1,205,168

 

$

838,368

 

$

961,751

 

$

559,830

 

$

920,199

 

$

3,129,584

 

$

122,644

 

$

9,809,011

 

Gross Charge-offs

$

4,798

 

$

2,718

 

$

15,397

 

$

2,888

 

$

74

 

$

531

 

$

3,722

 

$

15,436

 

$

45,564

 

Commercial Real Estate - Owner Occupied:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

$

616,536

 

$

401,399

 

$

312,006

 

$

461,247

 

$

459,700

 

$

711,509

 

$

51,600

 

$

50,328

 

$

3,064,325

 

Pass-Watch

 

26,766

 

 

6,397

 

 

2,746

 

 

43,060

 

 

14,187

 

 

27,591

 

 

2,506

 

 

120

 

 

123,373

 

Special Mention

 

2,371

 

 

2,202

 

 

1,008

 

 

12,024

 

 

5,054

 

 

293

 

 

195

 

 

48

 

 

23,195

 

Substandard

 

2,082

 

 

822

 

 

6,685

 

 

20,353

 

 

1,472

 

 

27,723

 

 

50

 

 

 

 

59,187

 

Doubtful

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

647,755

 

$

410,820

 

$

322,445

 

$

536,684

 

$

480,413

 

$

767,116

 

$

54,351

 

$

50,496

 

$

3,270,080

 

Gross Charge-offs

$

 

$

 

$

86

 

$

 

$

2,741

 

$

1,799

 

$

 

$

 

$

4,626

 

Commercial Real Estate - Income Producing:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

$

1,110,044

 

$

416,052

 

$

519,955

 

$

724,326

 

$

549,335

 

$

649,996

 

$

64,217

 

$

1,490

 

$

4,035,415

 

Pass-Watch

 

22,429

 

 

15,606

 

 

4,219

 

 

101,959

 

 

4,277

 

 

40,381

 

 

1,123

 

 

 

 

189,994

 

Special Mention

 

7,962

 

 

 

 

289

 

 

 

 

 

 

 

 

 

 

 

 

8,251

 

Substandard

 

192

 

 

 

 

7,669

 

 

10,441

 

 

10,871

 

 

20,185

 

 

150

 

 

 

 

49,508

 

Doubtful

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

1,140,627

 

$

431,658

 

$

532,132

 

$

836,726

 

$

564,483

 

$

710,562

 

$

65,490

 

$

1,490

 

$

4,283,168

 

Gross Charge-offs

$

 

$

 

$

 

$

34

 

$

 

$

 

$

 

$

 

$

34

 

Construction and Land Development:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

$

349,811

 

$

358,827

 

$

185,672

 

$

54,798

 

$

75,084

 

$

14,954

 

$

131,153

 

$

535

 

$

1,170,834

 

Pass-Watch

 

29,323

 

 

814

 

 

1,500

 

 

3,299

 

 

128

 

 

241

 

 

 

 

 

 

35,305

 

Special Mention

 

60

 

 

 

 

 

 

28,036

 

 

112

 

 

 

 

 

 

 

 

28,208

 

Substandard

 

72

 

 

185

 

 

1,665

 

 

2,560

 

 

135

 

 

122

 

 

 

 

 

 

4,739

 

Doubtful

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

379,266

 

$

359,826

 

$

188,837

 

$

88,693

 

$

75,459

 

$

15,317

 

$

131,153

 

$

535

 

$

1,239,086

 

Gross Charge-offs

$

 

$

 

$

 

$

1,297

 

$

 

$

17

 

$

 

$

 

$

1,314

 

Residential Mortgage:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

$

360,686

 

$

131,928

 

$

390,276

 

$

1,039,884

 

$

824,012

 

$

1,220,288

 

$

2,857

 

$

 

$

3,969,931

 

Nonperforming

 

371

 

 

2,300

 

 

10,582

 

 

10,244

 

 

6,335

 

 

17,154

 

 

 

 

 

 

46,986

 

Total

$

361,057

 

$

134,228

 

$

400,858

 

$

1,050,128

 

$

830,347

 

$

1,237,442

 

$

2,857

 

$

 

$

4,016,917

 

Gross Charge-offs

$

 

$

36

 

$

502

 

$

335

 

$

 

$

49

 

$

 

$

 

$

922

 

Consumer Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

$

50,512

 

$

24,693

 

$

22,963

 

$

18,103

 

$

8,928

 

$

47,131

 

$

1,123,471

 

$

33,674

 

$

1,329,475

 

Nonperforming

 

51

 

 

44

 

 

349

 

 

842

 

 

627

 

 

4,367

 

 

408

 

 

4,015

 

 

10,703

 

Total

$

50,563

 

$

24,737

 

$

23,312

 

$

18,945

 

$

9,555

 

$

51,498

 

$

1,123,879

 

$

37,689

 

$

1,340,178

 

Gross Charge-offs

$

85

 

$

952

 

$

1,104

 

$

1,277

 

$

528

 

$

695

 

$

9,228

 

$

2,137

 

$

16,006

 

Total Commercial [Member]  
Accounts Notes And Loans Receivable [Line Items]  
Credit Quality Indicators by Segment and Portfolio Class

The following tables present the credit quality indicators by segment and portfolio class of loans at March 31, 2026 and December 31, 2025.

 

March 31, 2026

 

($ in thousands)

Commercial
Non-Real
Estate

 

Commercial
Real Estate -
Owner-
Occupied

 

Total
Commercial
and Industrial

 

Commercial
Real Estate -
Income
Producing

 

Construction
and Land
Development

 

Total
Commercial

 

Grade:

 

 

 

 

 

 

 

 

 

 

 

 

Pass

$

9,122,647

 

$

3,116,895

 

$

12,239,542

 

$

4,127,601

 

$

1,273,603

 

$

17,640,746

 

Pass-Watch

 

227,071

 

 

97,386

 

 

324,457

 

 

210,336

 

 

15,909

 

 

550,702

 

Special Mention

 

68,294

 

 

15,602

 

 

83,896

 

 

8,240

 

 

28,056

 

 

120,192

 

Substandard

 

292,879

 

 

69,984

 

 

362,863

 

 

36,488

 

 

2,656

 

 

402,007

 

Doubtful

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

9,710,891

 

$

3,299,867

 

$

13,010,758

 

$

4,382,665

 

$

1,320,224

 

$

18,713,647

 

 

 

December 31, 2025

 

($ in thousands)

Commercial
Non-Real
Estate

 

Commercial
Real Estate -
Owner-
Occupied

 

Total
Commercial
and Industrial

 

Commercial
Real Estate -
Income
Producing

 

Construction
and Land
Development

 

Total
Commercial

 

Grade:

 

 

 

 

 

 

 

 

 

 

 

 

Pass

$

9,180,624

 

$

3,064,325

 

$

12,244,949

 

$

4,035,415

 

$

1,170,834

 

$

17,451,198

 

Pass-Watch

 

266,120

 

 

123,373

 

 

389,493

 

 

189,994

 

 

35,305

 

 

614,792

 

Special Mention

 

88,729

 

 

23,195

 

 

111,924

 

 

8,251

 

 

28,208

 

 

148,383

 

Substandard

 

273,538

 

 

59,187

 

 

332,725

 

 

49,508

 

 

4,739

 

 

386,972

 

Doubtful

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

9,809,011

 

$

3,270,080

 

$

13,079,091

 

$

4,283,168

 

$

1,239,086

 

$

18,601,345

 

Residential Mortgage and Consumer [Member]  
Accounts Notes And Loans Receivable [Line Items]  
Credit Quality Indicators by Segment and Portfolio Class

 

 

March 31, 2026

 

 

December 31, 2025

 

($ in thousands)

 

Residential
Mortgage

 

 

Consumer

 

 

Total

 

 

Residential
Mortgage

 

 

Consumer

 

 

Total

 

Performing

 

$

3,898,892

 

 

$

1,316,307

 

 

$

5,215,199

 

 

$

3,969,931

 

 

$

1,329,475

 

 

$

5,299,406

 

Nonperforming

 

 

51,262

 

 

 

11,732

 

 

 

62,994

 

 

 

46,986

 

 

 

10,703

 

 

 

57,689

 

Total

 

$

3,950,154

 

 

$

1,328,039

 

 

$

5,278,193

 

 

$

4,016,917

 

 

$

1,340,178

 

 

$

5,357,095