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Allowance for Credit Losses - Roll Forward Of the Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended | 12 Months Ended
--- | --- | --- | ---
Jun. 30, 2025 | Jun. 30, 2024 | Jun. 30, 2025 | Jun. 30, 2024 | Dec. 31, 2024
Allowance for credit losses: |  |  |  |  |
Beginning balance | $ 203,931 | $ 201,052 | $ 201,756 | $ 198,578 | $ 198,578
Charge-offs | (12,979) | (6,372) | (14,108) | (7,282) | (13,809)
Recoveries | 925 | 891 | 2,179 | 1,637 |
Net charge-offs | (12,054) | (5,481) | (11,929) | (5,645) |
Provision for (recovery of) credit losses on loans | 75,400 | 4,300 | 77,450 | 6,938 |
Ending balance | 290,770 | 199,871 | 290,770 | 199,871 | 201,756
Individually evaluated | 27,935 | 10,004 | 27,935 | 10,004 |
Collectively evaluated | 262,835 | 189,867 | 262,835 | 189,867 |
Loans: |  |  |  |  |
Individually evaluated | 107,318 | 54,002 | 107,318 | 54,002 |
Collectively evaluated | 18,456,129 | 12,550,753 | 18,456,129 | 12,550,753 |
Loans, net of unearned income | 18,563,447 | 12,604,755 | 18,563,447 | 12,604,755 | 12,885,020
Nonaccruing loans with no allowance for credit losses | 21,868 | 27,188 | 21,868 | 27,188 |
Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 23,493 |  | 23,493 | 0 | 0
Ending balance |  |  |  |  | 23,493
Commercial, financial, agricultural |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 38,441 | 45,921 | 38,527 | 43,980 | 43,980
Charge-offs | (5,823) | (186) | (5,917) | (535) | (4,463)
Recoveries | 627 | 525 | 1,585 | 871 |
Net charge-offs | (5,196) | 339 | (4,332) | 336 |
Provision for (recovery of) credit losses on loans | 19,291 | (1,309) | 18,341 | 635 |
Ending balance | 59,676 | 44,951 | 59,676 | 44,951 | 38,527
Individually evaluated | 9,604 | 8,514 | 9,604 | 8,514 |
Collectively evaluated | 50,072 | 36,437 | 50,072 | 36,437 |
Loans: |  |  |  |  |
Individually evaluated | 20,316 | 14,211 | 20,316 | 14,211 |
Collectively evaluated | 2,646,607 | 1,833,551 | 2,646,607 | 1,833,551 |
Loans, net of unearned income | 2,666,923 | 1,847,762 | 2,666,923 | 1,847,762 |
Nonaccruing loans with no allowance for credit losses | 0 | 230 | 0 | 230 |
Commercial, financial, agricultural | Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 7,140 |  | 7,140 | 0 | 0
Ending balance |  |  |  |  | 7,140
Real estate – construction: |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 16,561 | 17,317 | 15,126 | 18,612 | 18,612
Charge-offs | (105) | 0 | (105) | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Net charge-offs | (105) | 0 | (105) | 0 |
Provision for (recovery of) credit losses on loans | 3,331 | 1,579 | 4,766 | 284 |
Ending balance | 21,784 | 18,896 | 21,784 | 18,896 | 15,126
Individually evaluated | 1,993 | 0 | 1,993 | 0 |
Collectively evaluated | 19,791 | 18,896 | 19,791 | 18,896 |
Loans: |  |  |  |  |
Individually evaluated | 16,045 | 0 | 16,045 | 0 |
Collectively evaluated | 1,323,922 | 1,355,425 | 1,323,922 | 1,355,425 |
Loans, net of unearned income | 1,339,967 | 1,355,425 | 1,339,967 | 1,355,425 |
Nonaccruing loans with no allowance for credit losses | 2,332 | 0 | 2,332 | 0 |
Real estate – construction: | Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 1,997 |  | 1,997 | 0 | 0
Ending balance |  |  |  |  | 1,997
Real estate – 1-4 family mortgage: |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 50,711 | 47,566 | 47,761 | 47,283 | 47,283
Charge-offs | (319) | (208) | (628) | (290) | (966)
Recoveries | 37 | 25 | 70 | 73 |
Net charge-offs | (282) | (183) | (558) | (217) |
Provision for (recovery of) credit losses on loans | 15,010 | 38 | 18,236 | 355 |
Ending balance | 65,703 | 47,421 | 65,703 | 47,421 | 47,761
Individually evaluated | 0 | 0 | 0 | 0 |
Collectively evaluated | 65,703 | 47,421 | 65,703 | 47,421 |
Loans: |  |  |  |  |
Individually evaluated | 4,776 | 6,942 | 4,776 | 6,942 |
Collectively evaluated | 4,869,903 | 3,428,876 | 4,869,903 | 3,428,876 |
Loans, net of unearned income | 4,874,679 | 3,435,818 | 4,874,679 | 3,435,818 |
Nonaccruing loans with no allowance for credit losses | 4,275 | 6,318 | 4,275 | 6,318 |
Real estate – 1-4 family mortgage: | Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 264 |  | 264 | 0 | 0
Ending balance |  |  |  |  | 264
Real estate – commercial mortgage: |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 88,080 | 78,725 | 90,204 | 77,020 | 77,020
Charge-offs | (3,944) | (5,727) | (4,405) | (5,727) | (5,737)
Recoveries | 116 | 99 | 122 | 105 |
Net charge-offs | (3,828) | (5,628) | (4,283) | (5,622) |
Provision for (recovery of) credit losses on loans | 37,230 | 4,028 | 35,561 | 5,727 |
Ending balance | 135,572 | 77,125 | 135,572 | 77,125 | 90,204
Individually evaluated | 16,068 | 1,220 | 16,068 | 1,220 |
Collectively evaluated | 119,504 | 75,905 | 119,504 | 75,905 |
Loans: |  |  |  |  |
Individually evaluated | 65,012 | 32,579 | 65,012 | 32,579 |
Collectively evaluated | 9,405,122 | 5,733,899 | 9,405,122 | 5,733,899 |
Loans, net of unearned income | 9,470,134 | 5,766,478 | 9,470,134 | 5,766,478 |
Nonaccruing loans with no allowance for credit losses | 14,362 | 20,640 | 14,362 | 20,640 |
Real estate – commercial mortgage: | Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 14,090 |  | 14,090 | 0 | 0
Ending balance |  |  |  |  | 14,090
Lease financing |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 3,644 | 2,554 | 3,368 | 2,515 | 2,515
Charge-offs | (2,394) | 0 | (2,394) | 0 | (642)
Recoveries | 4 | 10 | 13 | 18 |
Net charge-offs | (2,390) | 10 | (2,381) | 18 |
Provision for (recovery of) credit losses on loans | 681 | (49) | 948 | (18) |
Ending balance | 1,935 | 2,515 | 1,935 | 2,515 | 3,368
Individually evaluated | 0 | 0 | 0 | 0 |
Collectively evaluated | 1,935 | 2,515 | 1,935 | 2,515 |
Loans: |  |  |  |  |
Individually evaluated | 899 | 0 | 899 | 0 |
Collectively evaluated | 88,669 | 102,996 | 88,669 | 102,996 |
Loans, net of unearned income | 89,568 | 102,996 | 89,568 | 102,996 |
Nonaccruing loans with no allowance for credit losses | 899 | 0 | 899 | 0 |
Lease financing | Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 0 |  | 0 | 0 | 0
Ending balance |  |  |  |  | 0
Installment Loans to Individuals |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 6,494 | 8,969 | 6,770 | 9,168 | 9,168
Charge-offs | (394) | (251) | (659) | (730) | (1,856)
Recoveries | 141 | 232 | 389 | 570 |
Net charge-offs | (253) | (19) | (270) | (160) |
Provision for (recovery of) credit losses on loans | (143) | 13 | (402) | (45) |
Ending balance | 6,100 | 8,963 | 6,100 | 8,963 | 6,770
Individually evaluated | 270 | 270 | 270 | 270 |
Collectively evaluated | 5,830 | 8,693 | 5,830 | 8,693 |
Loans: |  |  |  |  |
Individually evaluated | 270 | 270 | 270 | 270 |
Collectively evaluated | 121,906 | 96,006 | 121,906 | 96,006 |
Loans, net of unearned income | 122,176 | 96,276 | 122,176 | 96,276 |
Nonaccruing loans with no allowance for credit losses | 0 | $ 0 | 0 | 0 |
Installment Loans to Individuals | Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | $ 2 |  | $ 2 | $ 0 | 0
Ending balance |  |  |  |  | $ 2

X
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