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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2025 | Sep. 30, 2024 | Sep. 30, 2025 | Sep. 30, 2024
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance | $ 341,567 | $ 336,218 | $ 338,084 | $ 307,100
Provision for loan losses | 11,176 | 6,313 | 30,805 | 57,184
Loans charged off | (13,631) | (15,352) | (43,241) | (50,654)
Recoveries of loans previously charged off | 6,182 | 7,278 | 19,646 | 20,827
Ending balance, Allowance | 345,294 | 334,457 | 345,294 | 334,457
Commercial and industrial |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance | 88,985 | 66,542 | 87,242 | 64,053
Provision for loan losses | 6,570 | 8,463 | 22,303 | 31,479
Loans charged off | (9,992) | (12,316) | (32,368) | (40,150)
Recoveries of loans previously charged off | 3,786 | 4,979 | 12,172 | 12,286
Ending balance, Allowance | 89,349 | 67,668 | 89,349 | 67,668
Consumer |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance | 6,573 | 3,479 | 7,327 | 3,952
Provision for loan losses | (630) | 1,222 | (77) | 2,102
Loans charged off | (720) | (853) | (2,573) | (2,974)
Recoveries of loans previously charged off | 237 | 309 | 783 | 1,077
Ending balance, Allowance | 5,460 | 4,157 | 5,460 | 4,157
Mortgage warehouse |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance | 2,280 | 2,142 | 2,262 | 1,678
Provision for loan losses | (72) | 30 | (54) | 494
Loans charged off | 0 | 0 | 0 | 0
Recoveries of loans previously charged off | 0 | 0 | 0 | 0
Ending balance, Allowance | 2,208 | 2,172 | 2,208 | 2,172
Municipal |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance | 58 | 60 | 58 | 345
Provision for loan losses | 0 | 137 | 0 | (148)
Loans charged off | 0 | 0 | 0 | 0
Recoveries of loans previously charged off | 0 | 0 | 0 | 0
Ending balance, Allowance | 58 | 197 | 58 | 197
Premium finance |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance | 783 | 702 | 736 | 602
Provision for loan losses | 268 | 180 | 1,030 | 343
Loans charged off | (1,970) | (2,102) | (7,018) | (6,910)
Recoveries of loans previously charged off | 1,779 | 1,860 | 6,112 | 6,605
Ending balance, Allowance | 860 | 640 | 860 | 640
Real estate – construction and development |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance | 47,306 | 77,482 | 60,421 | 61,017
Provision for loan losses | 2,925 | (2,506) | (10,199) | 13,911
Loans charged off | 0 | 0 | 0 | 0
Recoveries of loans previously charged off | 27 | 6 | 36 | 54
Ending balance, Allowance | 50,258 | 74,982 | 50,258 | 74,982
Real estate – commercial and farmland |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance | 127,794 | 121,963 | 118,377 | 110,097
Provision for loan losses | 2,002 | (1,885) | 11,317 | 9,900
Loans charged off | (692) | (58) | (692) | (571)
Recoveries of loans previously charged off | 114 | 61 | 216 | 655
Ending balance, Allowance | 129,218 | 120,081 | 129,218 | 120,081
Real estate – residential |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance, Allowance | 67,788 | 63,848 | 61,661 | 65,356
Provision for loan losses | 113 | 672 | 6,485 | (897)
Loans charged off | (257) | (23) | (590) | (49)
Recoveries of loans previously charged off | 239 | 63 | 327 | 150
Ending balance, Allowance | $ 67,883 | $ 64,560 | $ 67,883 | $ 64,560

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