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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 12 Months Ended
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Dec. 31, 2024
Receivables [Abstract] |
Schedule of Accounts Notes Loans and Financial Receivables | Loans are stated at amortized cost. Balances within the major loans receivable categories are presented in the following table.
| December 31,
(dollars in thousands) | 2024 |  | 2023
Commercial and industrial | $ | 2,953,135 |  |  | $ | 2,688,929 |
Consumer | 221,735 |  |  | 275,809 |
Mortgage warehouse | 965,053 |  |  | 818,728 |
Municipal | 441,408 |  |  | 492,668 |
Premium finance | 1,155,614 |  |  | 946,562 |
Real estate – construction and development | 1,998,506 |  |  | 2,129,187 |
Real estate – commercial and farmland | 8,445,958 |  |  | 8,059,754 |
Real estate – residential | 4,558,497 |  |  | 4,857,666 |
| $ | 20,739,906 |  |  | $ | 20,269,303 |
Schedule of Financial Receivable Nonaccrual Basis | The following table presents an analysis of loans accounted for on a nonaccrual basis:
| December 31,
(dollars in thousands) | 2024 |  | 2023
Commercial and industrial | $ | 11,875 |  |  | $ | 8,059 |
Consumer | 782 |  |  | 1,452 |
Real estate – construction and development | 3,718 |  |  | 282 |
Real estate – commercial and farmland | 11,960 |  |  | 11,295 |
Real estate – residential (1) | 73,883 |  |  | 130,029 |
| $ | 102,218 |  |  | $ | 151,117 |
(1) Included in real estate - residential were $12.0 million and $90.2 million of serviced GNMA-guaranteed nonaccrual loans at December 31, 2024 and 2023, respectively. The following table presents an analysis of nonaccrual loans with no related allowance for credit losses:
(dollars in thousands) | December 31, 2024 |  | December 31, 2023
Commercial and industrial | $ | 3,866 |  |  | $ | 2,049 |
Real estate – construction and development | 2,624 |  |  | — |
Real estate – commercial and farmland | 9,357 |  |  | 9,109 |
Real estate – residential | 36,512 |  |  | 75,419 |
| $ | 52,359 |  |  | $ | 86,577 |
The following table presents an analysis of collateral-dependent financial assets and related allowance for credit losses:
(dollars in thousands) | December 31, 2024 |  | December 31, 2023
| Balance |  | Allowance for Credit Losses |  | Balance |  | Allowance for Credit Losses
Commercial and industrial | $ | 9,451 |  |  | $ | 1,072 |  |  | $ | 5,889 |  |  | $ | 567 |
Premium finance | 2,165 |  |  | 130 |  |  | 1,990 |  |  | 45 |
Real estate – construction and development | 2,979 |  |  | 110 |  |  | 280 |  |  | 23 |
Real estate – commercial and farmland | 10,882 |  |  | 149 |  |  | 11,114 |  |  | 108 |
Real estate – residential | 23,983 |  |  | 2,302 |  |  | 21,102 |  |  | 2,654 |
| $ | 49,460 |  |  | $ | 3,763 |  |  | $ | 40,375 |  |  | $ | 3,397 |
Schedule of Past Due Financial Receivables | The following tables present an analysis of past-due loans as of December 31, 2024 and 2023:
(dollars in thousands) | Loans 30-59 Days Past Due |  | Loans 60-89 Days Past Due |  | Loans 90 or More Days Past Due |  | Total Loans Past Due |  | Current Loans |  | Total Loans |  | Loans 90 Days or More Past Due and Still Accruing
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 12,300 |  |  | $ | 5,908 |  |  | $ | 12,849 |  |  | $ | 31,057 |  |  | $ | 2,922,078 |  |  | $ | 2,953,135 |  |  | $ | 5,159 |
Consumer | 2,672 |  |  | 557 |  |  | 319 |  |  | 3,548 |  |  | 218,187 |  |  | 221,735 |  |  | — |
Mortgage warehouse | — |  |  | — |  |  | — |  |  | — |  |  | 965,053 |  |  | 965,053 |  |  | — |
Municipal | — |  |  | — |  |  | — |  |  | — |  |  | 441,408 |  |  | 441,408 |  |  | — |
Premium finance | 15,068 |  |  | 6,315 |  |  | 12,485 |  |  | 33,868 |  |  | 1,121,746 |  |  | 1,155,614 |  |  | 12,485 |
Real estate – construction and development | 23,102 |  |  | 461 |  |  | 3,786 |  |  | 27,349 |  |  | 1,971,157 |  |  | 1,998,506 |  |  | 89 |
Real estate – commercial and farmland | 6,787 |  |  | 2,435 |  |  | 5,980 |  |  | 15,202 |  |  | 8,430,756 |  |  | 8,445,958 |  |  | — |
Real estate – residential | 47,020 |  |  | 15,864 |  |  | 71,070 |  |  | 133,954 |  |  | 4,424,543 |  |  | 4,558,497 |  |  | — |
Total | $ | 106,949 |  |  | $ | 31,540 |  |  | $ | 106,489 |  |  | $ | 244,978 |  |  | $ | 20,494,928 |  |  | $ | 20,739,906 |  |  | $ | 17,733 |
(dollars in thousands) | Loans 30-59 Days Past Due |  | Loans 60-89 Days Past Due |  | Loans 90 or More Days Past Due |  | Total Loans Past Due |  | Current Loans |  | Total Loans |  | Loans 90 Days or More Past Due and Still Accruing
December 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 11,023 |  |  | $ | 5,439 |  |  | $ | 9,733 |  |  | $ | 26,195 |  |  | $ | 2,662,734 |  |  | $ | 2,688,929 |  |  | $ | 5,310 |
Consumer | 2,308 |  |  | 1,054 |  |  | 576 |  |  | 3,938 |  |  | 271,871 |  |  | 275,809 |  |  | — |
Mortgage warehouse | — |  |  | — |  |  | — |  |  | — |  |  | 818,728 |  |  | 818,728 |  |  | — |
Municipal | — |  |  | — |  |  | — |  |  | — |  |  | 492,668 |  |  | 492,668 |  |  | — |
Premium finance | 12,379 |  |  | 6,832 |  |  | 11,678 |  |  | 30,889 |  |  | 915,673 |  |  | 946,562 |  |  | 11,678 |
Real estate – construction and development | 2,094 |  |  | — |  |  | 282 |  |  | 2,376 |  |  | 2,126,811 |  |  | 2,129,187 |  |  | — |
Real estate – commercial and farmland | 5,070 |  |  | 1,656 |  |  | 6,352 |  |  | 13,078 |  |  | 8,046,676 |  |  | 8,059,754 |  |  | — |
Real estate – residential | 49,976 |  |  | 19,300 |  |  | 127,087 |  |  | 196,363 |  |  | 4,661,303 |  |  | 4,857,666 |  |  | — |
Total | $ | 82,850 |  |  | $ | 34,281 |  |  | $ | 155,708 |  |  | $ | 272,839 |  |  | $ | 19,996,464 |  |  | $ | 20,269,303 |  |  | $ | 16,988 |
Schedule of Credit Quality Indicate Financial Receivable | The following table presents the loan portfolio's amortized cost by class of financing receivable, risk grade and year of origination (in thousands). Generally, current period renewals of credit are underwritten again at the point of renewal and considered current period originations for purposes of the table below. The Company had an immaterial amount of revolving loans which converted to term loans and the amortized cost basis of those loans is included in the applicable origination year. There were no loans risk graded doubtful or loss at December 31, 2024 and 2023.
|  | Term Loans by Origination Year |  | Revolving Loans Amortized Cost Basis |  |  |  | Total
As of December 31, 2024 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  |  |
Commercial and Industrial
Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 919,301 |  |  | $ | 594,485 |  |  | $ | 523,513 |  |  | $ | 246,036 |  |  | $ | 72,397 |  |  | $ | 46,358 |  |  | $ | 512,778 |  |  |  |  | $ | 2,914,868 |
Special Mention |  | 892 |  |  | 28 |  |  | 1,938 |  |  | 1,311 |  |  | 777 |  |  | 2,960 |  |  | 3,319 |  |  |  |  | 11,225 |
Substandard |  | 885 |  |  | 2,214 |  |  | 4,384 |  |  | 7,222 |  |  | 655 |  |  | 4,555 |  |  | 7,127 |  |  |  |  | 27,042 |
Total commercial and industrial |  | $ | 921,078 |  |  | $ | 596,727 |  |  | $ | 529,835 |  |  | $ | 254,569 |  |  | $ | 73,829 |  |  | $ | 53,873 |  |  | $ | 523,224 |  |  |  |  | $ | 2,953,135 |
Current-period gross charge offs |  | $ | 1,374 |  |  | $ | 21,045 |  |  | $ | 19,333 |  |  | $ | 9,887 |  |  | $ | 1,350 |  |  | $ | 886 |  |  | $ | — |  |  |  |  | $ | 53,875 |
Consumer
Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 58,113 |  |  | $ | 18,575 |  |  | $ | 8,684 |  |  | $ | 2,371 |  |  | $ | 17,405 |  |  | $ | 31,962 |  |  | $ | 83,143 |  |  |  |  | $ | 220,253 |
Special Mention |  | 8 |  |  | — |  |  | 14 |  |  | — |  |  | 9 |  |  | 61 |  |  | — |  |  |  |  | 92 |
Substandard |  | 113 |  |  | 206 |  |  | 81 |  |  | 48 |  |  | 179 |  |  | 648 |  |  | 115 |  |  |  |  | 1,390 |
Total consumer |  | $ | 58,234 |  |  | $ | 18,781 |  |  | $ | 8,779 |  |  | $ | 2,419 |  |  | $ | 17,593 |  |  | $ | 32,671 |  |  | $ | 83,258 |  |  |  |  | $ | 221,735 |
Current-period gross charge offs |  | $ | 438 |  |  | $ | 683 |  |  | $ | 288 |  |  | $ | 74 |  |  | $ | 847 |  |  | $ | 1,484 |  |  | $ | 198 |  |  |  |  | $ | 4,012 |
Mortgage Warehouse
Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 965,053 |  |  |  |  | $ | 965,053 |
Total mortgage warehouse |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 965,053 |  |  |  |  | $ | 965,053 |
Current-period gross charge offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  |  |  | $ | — |
Municipal
Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 20,133 |  |  | $ | 9,094 |  |  | $ | 44,482 |  |  | $ | 36,468 |  |  | $ | 139,046 |  |  | $ | 191,559 |  |  | $ | 626 |  |  |  |  | $ | 441,408 |
Total municipal |  | $ | 20,133 |  |  | $ | 9,094 |  |  | $ | 44,482 |  |  | $ | 36,468 |  |  | $ | 139,046 |  |  | $ | 191,559 |  |  | $ | 626 |  |  |  |  | $ | 441,408 |
Current-period gross charge offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  |  |  | $ | — |
Premium Finance
Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 1,141,370 |  |  | $ | 1,648 |  |  | $ | 28 |  |  | $ | 83 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  |  |  | $ | 1,143,129 |
Substandard |  | 12,001 |  |  | 483 |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  | 12,485 |
Total premium finance |  | $ | 1,153,371 |  |  | $ | 2,131 |  |  | $ | 29 |  |  | $ | 83 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  |  |  | $ | 1,155,614 |
Current-period gross charge offs |  | $ | 2,439 |  |  | $ | 6,870 |  |  | $ | 245 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  |  |  | $ | 9,554 |
|  | Term Loans by Origination Year |  | Revolving Loans Amortized Cost Basis |  |  |  | Total
As of December 31, 2024 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  |  |
Real Estate – Construction and Development
Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 523,704 |  |  | $ | 245,526 |  |  | $ | 835,742 |  |  | $ | 245,091 |  |  | $ | 3,619 |  |  | $ | 73,816 |  |  | $ | 66,449 |  |  |  |  | $ | 1,993,947 |
Special Mention |  | — |  |  | — |  |  | 160 |  |  | 65 |  |  | — |  |  | 275 |  |  | — |  |  |  |  | 500 |
Substandard |  | — |  |  | 151 |  |  | 3,020 |  |  | 337 |  |  | — |  |  | 551 |  |  | — |  |  |  |  | 4,059 |
Total real estate – construction and development |  | $ | 523,704 |  |  | $ | 245,677 |  |  | $ | 838,922 |  |  | $ | 245,493 |  |  | $ | 3,619 |  |  | $ | 74,642 |  |  | $ | 66,449 |  |  |  |  | $ | 1,998,506 |
Current-period gross charge offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  |  |  | $ | — |
Real Estate – Commercial and Farmland
Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 330,472 |  |  | $ | 456,486 |  |  | $ | 2,373,426 |  |  | $ | 2,173,060 |  |  | $ | 990,712 |  |  | $ | 1,866,277 |  |  | $ | 113,916 |  |  |  |  | $ | 8,304,349 |
Special Mention |  | — |  |  | — |  |  | 3,069 |  |  | 14,844 |  |  | 14,706 |  |  | 63,717 |  |  | — |  |  |  |  | 96,336 |
Substandard |  | — |  |  | 1,551 |  |  | 16,979 |  |  | 3,855 |  |  | 12,730 |  |  | 10,158 |  |  | — |  |  |  |  | 45,273 |
Total real estate – commercial and farmland |  | $ | 330,472 |  |  | $ | 458,037 |  |  | $ | 2,393,474 |  |  | $ | 2,191,759 |  |  | $ | 1,018,148 |  |  | $ | 1,940,152 |  |  | $ | 113,916 |  |  |  |  | $ | 8,445,958 |
Current-period gross charge offs |  | $ | — |  |  | $ | 513 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 58 |  |  | $ | — |  |  |  |  | $ | 571 |
Real Estate - Residential
Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 193,939 |  |  | $ | 628,098 |  |  | $ | 1,291,666 |  |  | $ | 1,046,164 |  |  | $ | 460,887 |  |  | $ | 561,386 |  |  | $ | 292,193 |  |  |  |  | $ | 4,474,333 |
Special Mention |  | — |  |  | 10 |  |  | 52 |  |  | 16 |  |  | 157 |  |  | 1,375 |  |  | 1,173 |  |  |  |  | 2,783 |
Substandard |  | 2,718 |  |  | 9,880 |  |  | 14,040 |  |  | 9,885 |  |  | 10,603 |  |  | 26,236 |  |  | 8,019 |  |  |  |  | 81,381 |
Total real estate - residential |  | $ | 196,657 |  |  | $ | 637,988 |  |  | $ | 1,305,758 |  |  | $ | 1,056,065 |  |  | $ | 471,647 |  |  | $ | 588,997 |  |  | $ | 301,385 |  |  |  |  | $ | 4,558,497 |
Current-period gross charge offs |  | $ | — |  |  | $ | 24 |  |  | $ | 55 |  |  | $ | 14 |  |  | $ | — |  |  | $ | 9 |  |  | $ | — |  |  |  |  | $ | 102 |
Total Loans
Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 3,187,032 |  |  | $ | 1,953,912 |  |  | $ | 5,077,541 |  |  | $ | 3,749,273 |  |  | $ | 1,684,066 |  |  | $ | 2,771,358 |  |  | $ | 2,034,158 |  |  |  |  | $ | 20,457,340 |
Special Mention |  | 900 |  |  | 38 |  |  | 5,233 |  |  | 16,236 |  |  | 15,649 |  |  | 68,388 |  |  | 4,492 |  |  |  |  | 110,936 |
Substandard |  | 15,717 |  |  | 14,485 |  |  | 38,505 |  |  | 21,347 |  |  | 24,167 |  |  | 42,148 |  |  | 15,261 |  |  |  |  | 171,630 |
Total loans |  | $ | 3,203,649 |  |  | $ | 1,968,435 |  |  | $ | 5,121,279 |  |  | $ | 3,786,856 |  |  | $ | 1,723,882 |  |  | $ | 2,881,894 |  |  | $ | 2,053,911 |  |  |  |  | $ | 20,739,906 |
Current-period gross charge offs |  | $ | 4,251 |  |  | $ | 29,135 |  |  | $ | 19,921 |  |  | $ | 9,975 |  |  | $ | 2,197 |  |  | $ | 2,437 |  |  | $ | 198 |  |  |  |  | $ | 68,114 |
|  | Term Loans by Origination Year |  | Revolving Loans Amortized Cost Basis |  |  |  | Total
As of December 31, 2023 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  |  |
Commercial and Industrial
Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 892,951 |  |  | $ | 758,471 |  |  | $ | 384,830 |  |  | $ | 95,055 |  |  | $ | 56,447 |  |  | $ | 41,095 |  |  | $ | 432,472 |  |  |  |  | $ | 2,661,321 |
Special Mention |  | — |  |  | 335 |  |  | 5,722 |  |  | 92 |  |  | 109 |  |  | 451 |  |  | 803 |  |  |  |  | 7,512 |
Substandard |  | 1,512 |  |  | 3,595 |  |  | 3,222 |  |  | 1,140 |  |  | 3,533 |  |  | 5,748 |  |  | 1,346 |  |  |  |  | 20,096 |
Total commercial and industrial |  | $ | 894,463 |  |  | $ | 762,401 |  |  | $ | 393,774 |  |  | $ | 96,287 |  |  | $ | 60,089 |  |  | $ | 47,294 |  |  | $ | 434,621 |  |  |  |  | $ | 2,688,929 |
|  | Term Loans by Origination Year |  | Revolving Loans Amortized Cost Basis |  |  |  | Total
As of December 31, 2023 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  |  |
Consumer
Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 44,736 |  |  | $ | 17,661 |  |  | $ | 5,878 |  |  | $ | 25,654 |  |  | $ | 21,924 |  |  | $ | 48,583 |  |  | $ | 109,214 |  |  |  |  | $ | 273,650 |
Special Mention |  | — |  |  | 5 |  |  | — |  |  | — |  |  | — |  |  | 26 |  |  | — |  |  |  |  | 31 |
Substandard |  | 154 |  |  | 181 |  |  | 41 |  |  | 334 |  |  | 252 |  |  | 1,001 |  |  | 165 |  |  |  |  | 2,128 |
Total consumer |  | $ | 44,890 |  |  | $ | 17,847 |  |  | $ | 5,919 |  |  | $ | 25,988 |  |  | $ | 22,176 |  |  | $ | 49,610 |  |  | $ | 109,379 |  |  |  |  | $ | 275,809 |
Mortgage Warehouse
Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 772,366 |  |  |  |  | $ | 772,366 |
Special Mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 46,362 |  |  |  |  | 46,362 |
Total mortgage warehouse |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 818,728 |  |  |  |  | $ | 818,728 |
Municipal
Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 14,216 |  |  | $ | 27,346 |  |  | $ | 48,941 |  |  | $ | 177,156 |  |  | $ | 14,655 |  |  | $ | 208,236 |  |  | $ | 2,118 |  |  |  |  | $ | 492,668 |
Total municipal |  | $ | 14,216 |  |  | $ | 27,346 |  |  | $ | 48,941 |  |  | $ | 177,156 |  |  | $ | 14,655 |  |  | $ | 208,236 |  |  | $ | 2,118 |  |  |  |  | $ | 492,668 |
Premium Finance
Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 928,930 |  |  | $ | 4,038 |  |  | $ | 1,916 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  |  |  | $ | 934,884 |
Substandard |  | 10,777 |  |  | 901 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  | 11,678 |
Total premium finance |  | $ | 939,707 |  |  | $ | 4,939 |  |  | $ | 1,916 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  |  |  | $ | 946,562 |
Real Estate – Construction and Development
Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 457,077 |  |  | $ | 938,909 |  |  | $ | 505,254 |  |  | $ | 58,840 |  |  | $ | 54,646 |  |  | $ | 30,042 |  |  | $ | 81,662 |  |  |  |  | $ | 2,126,430 |
Special Mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 479 |  |  | — |  |  |  |  | 479 |
Substandard |  | — |  |  | 266 |  |  | 1,512 |  |  | — |  |  | — |  |  | 500 |  |  | — |  |  |  |  | 2,278 |
Total real estate – construction and development |  | $ | 457,077 |  |  | $ | 939,175 |  |  | $ | 506,766 |  |  | $ | 58,840 |  |  | $ | 54,646 |  |  | $ | 31,021 |  |  | $ | 81,662 |  |  |  |  | $ | 2,129,187 |
Real Estate – Commercial and Farmland
Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 450,315 |  |  | $ | 1,890,498 |  |  | $ | 2,133,833 |  |  | $ | 1,090,735 |  |  | $ | 765,640 |  |  | $ | 1,437,323 |  |  | $ | 100,206 |  |  |  |  | $ | 7,868,550 |
Special Mention |  | — |  |  | 17,131 |  |  | 53,329 |  |  | — |  |  | 30,200 |  |  | 46,370 |  |  | — |  |  |  |  | 147,030 |
Substandard |  | 428 |  |  | 418 |  |  | 15,578 |  |  | 2,660 |  |  | 6,106 |  |  | 18,984 |  |  | — |  |  |  |  | 44,174 |
Total real estate – commercial and farmland |  | $ | 450,743 |  |  | $ | 1,908,047 |  |  | $ | 2,202,740 |  |  | $ | 1,093,395 |  |  | $ | 801,946 |  |  | $ | 1,502,677 |  |  | $ | 100,206 |  |  |  |  | $ | 8,059,754 |
Real Estate - Residential
Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 714,684 |  |  | $ | 1,425,186 |  |  | $ | 1,148,092 |  |  | $ | 506,137 |  |  | $ | 236,147 |  |  | $ | 423,648 |  |  | $ | 262,968 |  |  |  |  | $ | 4,716,862 |
Special Mention |  | 13 |  |  | — |  |  | 72 |  |  | 201 |  |  | 234 |  |  | 1,411 |  |  | 380 |  |  |  |  | 2,311 |
Substandard |  | 5,057 |  |  | 26,171 |  |  | 28,459 |  |  | 30,566 |  |  | 19,357 |  |  | 25,263 |  |  | 3,620 |  |  |  |  | 138,493 |
Total real estate - residential |  | $ | 719,754 |  |  | $ | 1,451,357 |  |  | $ | 1,176,623 |  |  | $ | 536,904 |  |  | $ | 255,738 |  |  | $ | 450,322 |  |  | $ | 266,968 |  |  |  |  | $ | 4,857,666 |
|  | Term Loans by Origination Year |  | Revolving Loans Amortized Cost Basis |  |  |  | Total
As of December 31, 2023 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  |  |
Total Loans
Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 3,502,909 |  |  | $ | 5,062,109 |  |  | $ | 4,228,744 |  |  | $ | 1,953,577 |  |  | $ | 1,149,459 |  |  | $ | 2,188,927 |  |  | $ | 1,761,006 |  |  |  |  | $ | 19,846,731 |
Special Mention |  | 13 |  |  | 17,471 |  |  | 59,123 |  |  | 293 |  |  | 30,543 |  |  | 48,737 |  |  | 47,545 |  |  |  |  | 203,725 |
Substandard |  | 17,928 |  |  | 31,532 |  |  | 48,812 |  |  | 34,700 |  |  | 29,248 |  |  | 51,496 |  |  | 5,131 |  |  |  |  | 218,847 |
Total loans |  | $ | 3,520,850 |  |  | $ | 5,111,112 |  |  | $ | 4,336,679 |  |  | $ | 1,988,570 |  |  | $ | 1,209,250 |  |  | $ | 2,289,160 |  |  | $ | 1,813,682 |  |  |  |  | $ | 20,269,303 |
Schedule of Troubled Debt Restructurings by Loan Class | The following tables show the amortized cost basis of the loans modified to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of concession granted during the years ended December 31, 2024 and 2023:
Year Ended December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |
(dollars in thousands) |  | Payment Deferral |  | Term Extension |  | Interest Rate Reduction |  |  |  | Combination of Term Extension and Rate Reduction |  | Total |  | Percentage of Total Class of Financial Receivable
Commercial and industrial |  | $ | 586 |  |  | $ | — |  |  | $ | — |  |  |  |  | $ | — |  |  | $ | 586 |  |  | — | %
Real estate – commercial and farmland |  | — |  |  | 603 |  |  | — |  |  |  |  | — |  |  | 603 |  |  | — | %
Real estate – residential |  | — |  |  | 10,567 |  |  | 1,331 |  |  |  |  | 5,058 |  |  | 16,956 |  |  | 0.4 | %
Total |  | $ | 586 |  |  | $ | 11,170 |  |  | $ | 1,331 |  |  |  |  | $ | 5,058 |  |  | $ | 18,145 |  |  | 0.1 | %
Year Ended December 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |
(dollars in thousands) |  | Payment Deferral |  | Term Extension |  | Interest Rate Reduction |  |  |  | Combination of Term Extension and Rate Reduction |  | Total |  | Percentage of Total Class of Financial Receivable
Commercial and industrial |  | $ | 2,212 |  |  | $ | 2,960 |  |  | $ | — |  |  |  |  | $ | — |  |  | $ | 5,172 |  |  | 0.2 | %
Real estate – commercial and farmland |  | 3,905 |  |  | 3,101 |  |  | 815 |  |  |  |  | — |  |  | 7,821 |  |  | 0.1 | %
Real estate – residential |  | 1,029 |  |  | 5,539 |  |  | — |  |  |  |  | 804 |  |  | 7,372 |  |  | 0.2 | %
Total |  | $ | 7,146 |  |  | $ | 11,600 |  |  | $ | 815 |  |  |  |  | $ | 804 |  |  | $ | 20,365 |  |  | 0.1 | %
The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty during the twelve months ended December 31, 2024 and 2023: Year Ended December 31, 2024
Payment Deferral
Loan Type |  | Financial Effect
Commercial and industrial |  | Payments were deferred for a weighted average of 22 months
Term Extension
Loan Type |  | Financial Effect
Real estate – commercial and farmland |  | Maturity dates were extended for an average of 15 months.
Real estate - residential |  | Maturity dates were extended for a weighted average of 83 months
Interest Rate Reduction
Loan Type |  | Financial Effect
Real estate - residential |  | Interest rate was reduced by 2.87%
Combination of Term Extension and Rate Reduction
Loan Type |  | Financial Effect
Real estate - residential |  | Maturity date was extended for a weighted average of 90 months and rate was reduced by a weighted average 2.87%
Year Ended December 31, 2023
Payment Deferral
Loan Type |  | Financial Effect
Commercial and industrial |  | Payments were deferred for a weighted average of five months.
Real estate – commercial and farmland |  | Payments were deferred for a weighted average of six months.
Real estate – residential |  | Payments were deferred for a weighted average of four months.
Term Extension
Loan Type |  | Financial Effect
Commercial and industrial |  | Maturity dates were extended for a weighted average of nine months.
Real estate – commercial and farmland |  | Maturity dates were extended for an average of 13 months.
Real estate - residential |  | Maturity dates were extended for a weighted average of 103 months.
Interest Rate Reduction
Loan Type |  | Financial Effect
Real estate – commercial and farmland |  | Interest rate was reduced by 4.75%.
Combination of Term Extension and Rate Reduction
Loan Type |  | Financial Effect
Real estate - residential |  | Maturity date was extended for a weighted average of 120 months and rate was reduced by a weighted average 0.95%.
The Company monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table depicts the performance of loans that have been modified in the last 12 months:
As of December 31, 2024 |  |  |  |  |  |  |  |  |  |
(dollars in thousands) |  | Current |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 or More Days Past Due |  | Total
Commercial and industrial |  | $ | 586 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 586 |
Real estate – commercial and farmland |  | — |  |  | 603 |  |  | — |  |  | — |  |  | 603 |
Real estate – residential |  | 8,916 |  |  | 3,992 |  |  | — |  |  | 4,048 |  |  | 16,956 |
Total |  | $ | 9,502 |  |  | $ | 4,595 |  |  | $ | — |  |  | $ | 4,048 |  |  | $ | 18,145 |
As of December 31, 2023 |  |  |  |  |  |  |  |  |  |
(dollars in thousands) |  | Current |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 or More Days Past Due |  | Total
Commercial and industrial |  | $ | 4,018 |  |  | $ | 355 |  |  | $ | — |  |  | $ | 799 |  |  | $ | 5,172 |
Real estate – commercial and farmland |  | 6,692 |  |  | 1,129 |  |  | — |  |  | — |  |  | 7,821 |
Real estate – residential |  | 5,113 |  |  | 711 |  |  | 442 |  |  | 1,106 |  |  | 7,372 |
Total |  | $ | 15,823 |  |  | $ | 2,195 |  |  | $ | 442 |  |  | $ | 1,905 |  |  | $ | 20,365 |
The following tables provide the amortized cost basis of financing receivables at December 31, 2024 and 2023 that had a payment default and were modified in the 12 months before default to borrowers experiencing financial difficulty.
As of December 31, 2024 |  |  |  |  |  |  |  |  |  |
(dollars in thousands) |  | Interest Rate Reduction |  | Term Extension |  | Payment Deferral |  | Combination of Term Extension and Rate Reduction |  | Total
Commercial and industrial |  | $ | — |  |  | $ | — |  |  | $ | 1,038 |  |  | $ | — |  |  | $ | 1,038 |
Real estate – commercial and farmland |  | — |  |  | 603 |  |  | — |  |  | — |  |  | 603 |
Real estate – residential |  | 499 |  |  | 6,746 |  |  | — |  |  | 2,233 |  |  | 9,478 |
Total |  | $ | 499 |  |  | $ | 7,349 |  |  | $ | 1,038 |  |  | $ | 2,233 |  |  | $ | 11,119 |
As of December 31, 2023 |  |  |  |  |  |  |  |  |  |
(dollars in thousands) |  | Interest Rate Reduction |  | Term Extension |  | Payment Deferral |  | Combination of Term Extension and Rate Reduction |  | Total
Commercial and industrial |  | $ | — |  |  | $ | — |  |  | $ | 1,154 |  |  | $ | — |  |  | $ | 1,154 |
Real estate – commercial and farmland |  | — |  |  | — |  |  | 1,129 |  |  | — |  |  | 1,129 |
Real estate – residential |  | — |  |  | 2,067 |  |  | 192 |  |  | — |  |  | 2,259 |
Total |  | $ | — |  |  | $ | 2,067 |  |  | $ | 2,475 |  |  | $ | — |  |  | $ | 4,542 |
Schedule of Changes in Related Party Loans | Changes in related party loans are summarized as follows:
| December 31,
(dollars in thousands) | 2024 |  | 2023
Balance, January 1 | $ | 140,057 |  |  | $ | 80,746 |
Advances | 49,158 |  |  | 61,764 |
Repayments | (4,354) |  |  | (2,453) |
Transactions due to changes in related parties | (570) |  |  | — |
Ending balance | $ | 184,291 |  |  | $ | 140,057 |
Schedule of Allowances for Loan Losses by Portfolio Segment | The following table details activity in the allowance for credit losses by portfolio segment for the periods indicated. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
(dollars in thousands) | Commercial and Industrial |  | Consumer |  | Mortgage Warehouse |  | Municipal |  | Premium Finance |  | Real Estate – Construction and Development
Year ended December 31, 2024 |  |  |  |  |  |  |  |  |  |  |
Balance, December 31, 2023 | $ | 64,053 |  |  | $ | 3,952 |  |  | $ | 1,678 |  |  | $ | 345 |  |  | $ | 602 |  |  | $ | 61,017 |
Provision for loan losses | 59,726 |  |  | 5,967 |  |  | 584 |  |  | (287) |  |  | 608 |  |  | (655) |
Loans charged off | (53,875) |  |  | (4,012) |  |  | — |  |  | — |  |  | (9,554) |  |  | — |
Recoveries of loans previously charged off | 17,338 |  |  | 1,420 |  |  | — |  |  | — |  |  | 9,080 |  |  | 59 |
Balance, December 31, 2024 | $ | 87,242 |  |  | $ | 7,327 |  |  | $ | 2,262 |  |  | $ | 58 |  |  | $ | 736 |  |  | $ | 60,421 |
| Real Estate – Commercial and Farmland |  | Real Estate – Residential |  | Total |  |  |  |  |  |
Year ended December 31, 2024 |  |  |  |  |  |  |  |  |  |  |
Balance, December 31, 2023 | $ | 110,097 |  |  | $ | 65,356 |  |  | $ | 307,100 |  |  |  |  |  |  |
Provision for loan losses | 7,677 |  |  | (3,779) |  |  | 69,841 |  |  |  |  |  |  |
Loans charged off | (571) |  |  | (102) |  |  | (68,114) |  |  |  |  |  |  |
Recoveries of loans previously charged off | 1,174 |  |  | 186 |  |  | 29,257 |  |  |  |  |  |  |
Balance, December 31, 2024 | $ | 118,377 |  |  | $ | 61,661 |  |  | $ | 338,084 |  |  |  |  |  |  |
(dollars in thousands) | Commercial and Industrial |  | Consumer |  | Mortgage Warehouse |  | Municipal |  | Premium Finance |  | Real Estate – Construction and Development
Year ended December 31, 2023 |  |  |  |  |  |  |  |  |  |  |
Balance, January 1, 2023 | $ | 39,455 |  |  | $ | 5,587 |  |  | $ | 2,118 |  |  | $ | 357 |  |  | $ | 1,025 |  |  | $ | 32,659 |
Adoption of ASU 2022-02 | (105) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (37) |
Provision for loan losses | 68,349 |  |  | 2,218 |  |  | (440) |  |  | (12) |  |  | 343 |  |  | 27,446 |
Loans charged off | (58,612) |  |  | (5,453) |  |  | — |  |  | — |  |  | (6,567) |  |  | — |
Recoveries of loans previously charged off | 14,966 |  |  | 1,600 |  |  | — |  |  | — |  |  | 5,801 |  |  | 949 |
Balance, December 31, 2023 | $ | 64,053 |  |  | $ | 3,952 |  |  | $ | 1,678 |  |  | $ | 345 |  |  | $ | 602 |  |  | $ | 61,017 |
| Real Estate – Commercial and Farmland |  | Real Estate – Residential |  | Total |  |  |  |  |  |
Year ended December 31, 2023 |  |  |  |  |  |  |  |  |  |  |
Balance, January 1, 2023 | $ | 67,433 |  |  | $ | 57,043 |  |  | $ | 205,677 |  |  |  |  |  |  |
Adoption of ASU 2022-02 | (722) |  |  | (847) |  |  | (1,711) |  |  |  |  |  |  |
Provision for loan losses | 47,079 |  |  | 8,532 |  |  | 153,515 |  |  |  |  |  |  |
Loans charged off | (4,327) |  |  | (259) |  |  | (75,218) |  |  |  |  |  |  |
Recoveries of loans previously charged off | 634 |  |  | 887 |  |  | 24,837 |  |  |  |  |  |  |
Balance, December 31, 2023 | $ | 110,097 |  |  | $ | 65,356 |  |  | $ | 307,100 |  |  |  |  |  |  |
(dollars in thousands) | Commercial and Industrial |  | Consumer |  | Mortgage Warehouse |  | Municipal |  | Premium Finance |  | Real Estate – Construction and Development
Year ended December 31, 2022 |  |  |  |  |  |  |  |  |  |  |
Balance, January 1, 2022 | $ | 26,829 |  |  | $ | 6,573 |  |  | $ | 3,231 |  |  | $ | 401 |  |  | $ | 2,729 |  |  | $ | 22,045 |
Provision for loan losses | 21,307 |  |  | 2,278 |  |  | (1,113) |  |  | (44) |  |  | (1,317) |  |  | 9,749 |
Loans charged off | (18,635) |  |  | (5,191) |  |  | — |  |  | — |  |  | (5,452) |  |  | (27) |
Recoveries of loans previously charged off | 9,954 |  |  | 1,927 |  |  | — |  |  | — |  |  | 5,065 |  |  | 892 |
Balance, December 31, 2022 | $ | 39,455 |  |  | $ | 5,587 |  |  | $ | 2,118 |  |  | $ | 357 |  |  | $ | 1,025 |  |  | $ | 32,659 |
| Real Estate – Commercial and Farmland |  | Real Estate – Residential |  | Total |  |  |  |  |  |
Year ended December 31, 2022 |  |  |  |  |  |  |  |  |  |  |
Balance, January 1, 2022 | $ | 77,831 |  |  | $ | 27,943 |  |  | $ | 167,582 |  |  |  |  |  |  |
Provision for loan losses | (7,049) |  |  | 28,799 |  |  | 52,610 |  |  |  |  |  |  |
Loans charged off | (3,574) |  |  | (196) |  |  | (33,075) |  |  |  |  |  |  |
Recoveries of loans previously charged off | 225 |  |  | 497 |  |  | 18,560 |  |  |  |  |  |  |
Balance, December 31, 2022 | $ | 67,433 |  |  | $ | 57,043 |  |  | $ | 205,677 |  |  |  |  |  |  |

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