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v3.25.2

ALLOWANCE FOR CREDIT LOSSES FOR LOANS AND FINANCE LEASES - Additional Information (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended |  |  |  |
--- | --- | --- | --- | --- | --- | ---
Jun. 30, 2025 | Jun. 30, 2024 | Jun. 30, 2025 | Jun. 30, 2024 | Mar. 31, 2025 | Dec. 31, 2024 | Mar. 31, 2024 | Dec. 31, 2023
Financing Receivable Allowance For Credit Losses [Line Items] |  |  |  |  |  |  |  |
Increase (decrease) in ACL |  |  | $ 4,700 |  |  |  |  |
Provision for credit losses - expense (benefit) | $ 20,381 | $ 11,930 | 45,218 | $ 24,847 |  |  |  |
Net charge-offs | 19,100 | 21,000 | 40,500 | 32,200 |  |  |  |
Increase (decrease) in net charge-offs | (1,900) |  |  |  |  |  |  |
Recoveries | 5,457 | 5,424 | 12,157 | 23,595 |  |  |  |
Off-Balance Sheet, Credit Loss, Liability, Credit Loss Expense (Reversal) | 287 | (417) | 224 | (136) |  |  |  |
Off-Balance Sheet, Credit Loss, Liability | 3,367 | 4,502 | 3,367 | 4,502 | $ 3,080 | $ 3,143 | $ 4,919 | $ 4,638
Charge-offs | 24,529 | 26,414 | 52,739 | 55,753 |  |  |  |
Net disbursements on loans held for investment |  |  | 194,164 | 307,677 |  |  |  |
Allowance for credit losses | 248,578 | 254,532 | 248,578 | 254,532 | 247,269 | 243,942 | 263,592 | 261,843
Residential Portfolio Segment [Member] |  |  |  |  |  |  |  |
Financing Receivable Allowance For Credit Losses [Line Items] |  |  |  |  |  |  |  |
Increase (decrease) in ACL |  |  |  | 1,800 |  |  |  |
Provision for credit losses - expense (benefit) | 793 | (10,593) | 1,797 | (11,057) |  |  |  |
Recoveries | 300 | 446 | 517 | 718 |  |  |  |
Charge-offs | 285 | 491 | 520 | 1,007 |  |  |  |
Allowance for credit losses | 42,448 | 46,051 | 42,448 | 46,051 | 41,640 | 40,654 | 56,689 | 57,397
Residential Portfolio Segment [Member] | US [Member] |  |  |  |  |  |  |  |
Financing Receivable Allowance For Credit Losses [Line Items] |  |  |  |  |  |  |  |
Charge-offs |  |  | 0 |  |  |  |  |
Commercial Portfolio Segment [Member] |  |  |  |  |  |  |  |
Financing Receivable Allowance For Credit Losses [Line Items] |  |  |  |  |  |  |  |
Increase (decrease) in ACL |  |  | 7,400 |  |  |  |  |
Commercial Portfolio Segment [Member] | Construction Loans [Member] |  |  |  |  |  |  |  |
Financing Receivable Allowance For Credit Losses [Line Items] |  |  |  |  |  |  |  |
Provision for credit losses - expense (benefit) | 1,121 | (554) | 700 | 17 |  |  |  |
Recoveries | 13 | 14 | 27 | 24 |  |  |  |
Charge-offs | 0 | 0 | 0 | 0 |  |  |  |
Allowance for credit losses | 4,551 | 5,646 | 4,551 | 5,646 | 3,417 | 3,824 | 6,186 | 5,605
Commercial Portfolio Segment [Member] | Commercial and Industrial Sector [Member] |  |  |  |  |  |  |  |
Financing Receivable Allowance For Credit Losses [Line Items] |  |  |  |  |  |  |  |
Provision for credit losses - expense (benefit) | 2,135 | (596) | 5,488 | (3,756) |  |  |  |
Recoveries | 826 | 961 | 980 | 6,080 |  |  |  |
Charge-offs | 66 | 348 | 143 | 880 |  |  |  |
Allowance for credit losses | 39,359 | 35,440 | 39,359 | 35,440 | 36,464 | 33,034 | 35,423 | 33,996
Commercial Portfolio Segment [Member] | US [Member] | Construction Loans [Member] |  |  |  |  |  |  |  |
Financing Receivable Allowance For Credit Losses [Line Items] |  |  |  |  |  |  |  |
Charge-offs |  |  | 0 |  |  |  |  |
Commercial Portfolio Segment [Member] | US [Member] | Commercial and Industrial Sector [Member] |  |  |  |  |  |  |  |
Financing Receivable Allowance For Credit Losses [Line Items] |  |  |  |  |  |  |  |
Charge-offs |  |  | 0 |  |  |  |  |
Consumer Portfolio Segment [Member] |  |  |  |  |  |  |  |
Financing Receivable Allowance For Credit Losses [Line Items] |  |  |  |  |  |  |  |
Increase (decrease) in ACL |  |  | (4,500) |  |  |  |  |
Provision for credit losses - expense (benefit) | 17,780 | 26,649 | 37,025 | 42,629 |  |  |  |
Recoveries | 4,267 | 3,610 | 10,542 | 16,340 |  |  |  |
Charge-offs | 24,178 | 25,575 | 52,076 | 53,866 |  |  |  |
Allowance for credit losses | $ 139,474 | $ 137,317 | 139,474 | 137,317 | $ 141,605 | $ 143,983 | $ 132,633 | $ 132,214
Consumer Portfolio Segment [Member] | Automobile Loan [Member] |  |  |  |  |  |  |  |
Financing Receivable Allowance For Credit Losses [Line Items] |  |  |  |  |  |  |  |
Charge-offs |  |  | 16,208 |  |  |  |  |
Consumer Portfolio Segment [Member] | Bulk Sale Of Nonaccrual Loans [Member] |  |  |  |  |  |  |  |
Financing Receivable Allowance For Credit Losses [Line Items] |  |  |  |  |  |  |  |
Increase (decrease) in net charge-offs |  |  |  | 5,000 |  |  |  |
Charge-offs |  |  | 2,400 | $ 9,500 |  |  |  |
Consumer Portfolio Segment [Member] | US [Member] |  |  |  |  |  |  |  |
Financing Receivable Allowance For Credit Losses [Line Items] |  |  |  |  |  |  |  |
Charge-offs |  |  | 20 |  |  |  |  |
Consumer Portfolio Segment [Member] | US [Member] | Automobile Loan [Member] |  |  |  |  |  |  |  |
Financing Receivable Allowance For Credit Losses [Line Items] |  |  |  |  |  |  |  |
Charge-offs |  |  | $ 20 |  |  |  |  |

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