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v3.25.1

Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2025
Receivables [Abstract] |
Schedule of Roll Forward of The Allowance for Loan Losses | The following tables provide a roll-forward of the allowance for credit losses by loan category and a breakdown of the ending balance of the allowance based on the Company’s credit loss methodology for the periods presented:
| Commercial |  | Real Estate - Construction |  | Real Estate - 1-4 Family Mortgage |  | Real Estate - Commercial Mortgage |  | Lease Financing |  | Installment Loans to Individuals |  | Total
Three Months Ended March 31, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 38,527 |  |  | $ | 15,126 |  |  | $ | 47,761 |  |  | $ | 90,204 |  |  | $ | 3,368 |  |  | $ | 6,770 |  |  | $ | 201,756 |
Charge-offs | (94) |  |  | — |  |  | (309) |  |  | (461) |  |  | — |  |  | (265) |  |  | (1,129) |
Recoveries | 958 |  |  | — |  |  | 33 |  |  | 6 |  |  | 9 |  |  | 248 |  |  | 1,254 |
Net recoveries (charge-offs) | 864 |  |  | — |  |  | (276) |  |  | (455) |  |  | 9 |  |  | (17) |  |  | 125 |
(Recovery of) provision for credit losses on loans | (950) |  |  | 1,435 |  |  | 3,226 |  |  | (1,669) |  |  | 267 |  |  | (259) |  |  | 2,050 |
Ending balance | $ | 38,441 |  |  | $ | 16,561 |  |  | $ | 50,711 |  |  | $ | 88,080 |  |  | $ | 3,644 |  |  | $ | 6,494 |  |  | $ | 203,931 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 4,522 |  |  | $ | — |  |  | $ | — |  |  | $ | 8,922 |  |  | $ | 2,053 |  |  | $ | 270 |  |  | $ | 15,767 |
Collectively evaluated | 33,919 |  |  | 16,561 |  |  | 50,711 |  |  | 79,158 |  |  | 1,591 |  |  | 6,224 |  |  | 188,164 |
Ending balance | $ | 38,441 |  |  | $ | 16,561 |  |  | $ | 50,711 |  |  | $ | 88,080 |  |  | $ | 3,644 |  |  | $ | 6,494 |  |  | $ | 203,931 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 11,132 |  |  | $ | 2,434 |  |  | $ | 8,750 |  |  | $ | 46,593 |  |  | $ | 3,946 |  |  | $ | 270 |  |  | $ | 73,125 |
Collectively evaluated | 1,877,448 |  |  | 1,088,428 |  |  | 3,574,330 |  |  | 6,273,527 |  |  | 81,466 |  |  | 87,269 |  |  | 12,982,468 |
Ending balance | $ | 1,888,580 |  |  | $ | 1,090,862 |  |  | $ | 3,583,080 |  |  | $ | 6,320,120 |  |  | $ | 85,412 |  |  | $ | 87,539 |  |  | $ | 13,055,593 |
Nonaccruing loans with no allowance for credit losses | $ | 122 |  |  | $ | 2,434 |  |  | $ | 6,418 |  |  | $ | 11,998 |  |  | $ | 589 |  |  | $ | — |  |  | $ | 21,561 |
| Commercial |  | Real Estate - Construction |  | Real Estate - 1-4 Family Mortgage |  | Real Estate - Commercial Mortgage |  | Lease Financing |  | Installment Loans to Individuals |  | Total
Three Months Ended March 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 43,980 |  |  | $ | 18,612 |  |  | $ | 47,283 |  |  | $ | 77,020 |  |  | $ | 2,515 |  |  | $ | 9,168 |  |  | $ | 198,578 |
Charge-offs | (349) |  |  | — |  |  | (82) |  |  | — |  |  | — |  |  | (479) |  |  | (910) |
Recoveries | 346 |  |  | — |  |  | 48 |  |  | 6 |  |  | 8 |  |  | 338 |  |  | 746 |
Net (charge-offs) recoveries | (3) |  |  | — |  |  | (34) |  |  | 6 |  |  | 8 |  |  | (141) |  |  | (164) |
Provision for (recovery of) credit losses on loans | 1,944 |  |  | (1,295) |  |  | 317 |  |  | 1,699 |  |  | 31 |  |  | (58) |  |  | 2,638 |
Ending balance | $ | 45,921 |  |  | $ | 17,317 |  |  | $ | 47,566 |  |  | $ | 78,725 |  |  | $ | 2,554 |  |  | $ | 8,969 |  |  | $ | 201,052 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 9,104 |  |  | $ | — |  |  | $ | — |  |  | $ | 573 |  |  | $ | — |  |  | $ | 270 |  |  | $ | 9,947 |
Collectively evaluated | 36,817 |  |  | 17,317 |  |  | 47,566 |  |  | 78,152 |  |  | 2,554 |  |  | 8,699 |  |  | 191,105 |
Ending balance | $ | 45,921 |  |  | $ | 17,317 |  |  | $ | 47,566 |  |  | $ | 78,725 |  |  | $ | 2,554 |  |  | $ | 8,969 |  |  | $ | 201,052 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 15,861 |  |  | $ | — |  |  | $ | 7,327 |  |  | $ | 13,033 |  |  | $ | — |  |  | $ | 270 |  |  | $ | 36,491 |
Collectively evaluated | 1,853,547 |  |  | 1,243,535 |  |  | 3,421,959 |  |  | 5,740,197 |  |  | 107,474 |  |  | 97,322 |  |  | 12,464,034 |
Ending balance | $ | 1,869,408 |  |  | $ | 1,243,535 |  |  | $ | 3,429,286 |  |  | $ | 5,753,230 |  |  | $ | 107,474 |  |  | $ | 97,592 |  |  | $ | 12,500,525 |
Nonaccruing loans with no allowance for credit losses | $ | 157 |  |  | $ | — |  |  | $ | 7,328 |  |  | $ | 10,130 |  |  | $ | — |  |  | $ | — |  |  | $ | 17,615 |
Schedule of Unfunded Loan Commitments, Allowance for Credit Losses | The following table provides a roll-forward of the allowance for credit losses on unfunded loan commitments for the periods presented.
Three Months Ended March 31, | 2025 | 2024
Allowance for credit losses on unfunded loan commitments: |  |
Beginning balance | $ | 14,943 |  | $ | 16,918 |
Provision for (recovery of) credit losses on unfunded loan commitments | 2,700 |  | (200) |
Ending balance | $ | 17,643 |  | $ | 16,718 |

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- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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