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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2024 | Jun. 30, 2023 | Jun. 30, 2024 | Jun. 30, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance | $ 320,023 | $ 242,658 | $ 307,100 | $ 205,677
Provision for loan losses | 25,348 | 43,643 | 50,871 | 93,019
Loans charged off | (16,845) | (20,670) | (35,302) | (35,626)
Recoveries of loans previously charged off | 7,692 | 6,440 | 13,549 | 10,712
Ending balance, Allowance | 336,218 | 272,071 | 336,218 | 272,071
Accounting Standards Update 2022-02 |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance |  |  |  | (1,711)
Commercial, financial and agricultural |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance | 63,804 | 45,238 | 64,053 | 39,455
Provision for loan losses | 10,869 | 15,322 | 23,016 | 31,400
Loans charged off | (12,539) | (13,316) | (27,834) | (25,549)
Recoveries of loans previously charged off | 4,408 | 3,545 | 7,307 | 5,588
Ending balance, Allowance | 66,542 | 50,789 | 66,542 | 50,789
Commercial, financial and agricultural | Accounting Standards Update 2022-02 |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance |  |  |  | (105)
Consumer |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance | 3,903 | 4,893 | 3,902 | 5,413
Provision for loan losses | 263 | 1,513 | 1,163 | 1,836
Loans charged off | (926) | (2,052) | (2,017) | (3,192)
Recoveries of loans previously charged off | 211 | 194 | 403 | 491
Ending balance, Allowance | 3,451 | 4,548 | 3,451 | 4,548
Consumer | Accounting Standards Update 2022-02 |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance |  |  |  | 0
Indirect automobile |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance | 36 | 137 | 50 | 174
Provision for loan losses | (149) | (199) | (283) | (418)
Loans charged off | (39) | (65) | (104) | (99)
Recoveries of loans previously charged off | 180 | 225 | 365 | 441
Ending balance, Allowance | 28 | 98 | 28 | 98
Indirect automobile | Accounting Standards Update 2022-02 |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance |  |  |  | 0
Mortgage warehouse |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance | 1,823 | 1,924 | 1,678 | 2,118
Provision for loan losses | 319 | 411 | 464 | 217
Loans charged off | 0 | 0 | 0 | 0
Recoveries of loans previously charged off | 0 | 0 | 0 | 0
Ending balance, Allowance | 2,142 | 2,335 | 2,142 | 2,335
Mortgage warehouse | Accounting Standards Update 2022-02 |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance |  |  |  | 0
Municipal |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance | 63 | 354 | 345 | 357
Provision for loan losses | (3) | 3 | (285) | 0
Loans charged off | 0 | 0 | 0 | 0
Recoveries of loans previously charged off | 0 | 0 | 0 | 0
Ending balance, Allowance | 60 | 357 | 60 | 357
Municipal | Accounting Standards Update 2022-02 |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance |  |  |  | 0
Premium finance |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance | 616 | 893 | 602 | 1,025
Provision for loan losses | 594 | 51 | 163 | (42)
Loans charged off | (2,802) | (1,848) | (4,808) | (3,269)
Recoveries of loans previously charged off | 2,294 | 1,680 | 4,745 | 3,062
Ending balance, Allowance | 702 | 776 | 702 | 776
Premium finance | Accounting Standards Update 2022-02 |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance |  |  |  | 0
Real estate – construction and development |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance | 72,168 | 42,841 | 61,017 | 32,659
Provision for loan losses | 5,269 | 11,276 | 16,417 | 21,395
Loans charged off | 0 | 0 | 0 | 0
Recoveries of loans previously charged off | 45 | 472 | 48 | 572
Ending balance, Allowance | 77,482 | 54,589 | 77,482 | 54,589
Real estate – construction and development | Accounting Standards Update 2022-02 |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance |  |  |  | (37)
Real estate – commercial and farmland |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance | 110,656 | 87,124 | 110,097 | 67,433
Provision for loan losses | 11,311 | 12,275 | 11,785 | 32,644
Loans charged off | (513) | (3,320) | (513) | (3,320)
Recoveries of loans previously charged off | 509 | 61 | 594 | 105
Ending balance, Allowance | 121,963 | 96,140 | 121,963 | 96,140
Real estate – commercial and farmland | Accounting Standards Update 2022-02 |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance |  |  |  | (722)
Real estate – residential |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance | 66,954 | 59,254 | 65,356 | 57,043
Provision for loan losses | (3,125) | 2,991 | (1,569) | 5,987
Loans charged off | (26) | (69) | (26) | (197)
Recoveries of loans previously charged off | 45 | 263 | 87 | 453
Ending balance, Allowance | $ 63,848 | $ 62,439 | $ 63,848 | 62,439
Real estate – residential | Accounting Standards Update 2022-02 |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance |  |  |  | $ (847)

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