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Allowance for Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 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 September 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 59,676 |  |  | $ | 21,784 |  |  | $ | 65,703 |  |  | $ | 135,572 |  |  | $ | 1,935 |  |  | $ | 6,100 |  |  | $ | 290,770 |
Initial impact of purchased credit deteriorated (“PCD”) loans acquired | 1,890 |  |  | — |  |  | 505 |  |  | (885) |  |  | — |  |  | — |  |  | 1,510 |
Charge-offs | (2,557) |  |  | (8) |  |  | (612) |  |  | (1,296) |  |  | (42) |  |  | (539) |  |  | (5,054) |
Recoveries | 51 |  |  | 6 |  |  | 84 |  |  | 429 |  |  | 90 |  |  | 55 |  |  | 715 |
Net charge-offs | (2,506) |  |  | (2) |  |  | (528) |  |  | (867) |  |  | 48 |  |  | (484) |  |  | (4,339) |
Provision for (recovery of) credit losses on loans | 1,466 |  |  | 2,171 |  |  | 1,146 |  |  | 5,522 |  |  | (503) |  |  | (152) |  |  | 9,650 |
Ending balance | $ | 60,526 |  |  | $ | 23,953 |  |  | $ | 66,826 |  |  | $ | 139,342 |  |  | $ | 1,480 |  |  | $ | 5,464 |  |  | $ | 297,591 |
Nine Months Ended September 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 38,527 |  |  | $ | 15,126 |  |  | $ | 47,761 |  |  | $ | 90,204 |  |  | $ | 3,368 |  |  | $ | 6,770 |  |  | $ | 201,756 |
Initial impact of PCD loans acquired during the period | 9,030 |  |  | 1,997 |  |  | 769 |  |  | 13,205 |  |  | — |  |  | 2 |  |  | 25,003 |
Charge-offs | (8,474) |  |  | (113) |  |  | (1,240) |  |  | (5,701) |  |  | (2,436) |  |  | (1,198) |  |  | (19,162) |
Recoveries | 1,636 |  |  | 6 |  |  | 154 |  |  | 551 |  |  | 103 |  |  | 444 |  |  | 2,894 |
Net charge-offs | (6,838) |  |  | (107) |  |  | (1,086) |  |  | (5,150) |  |  | (2,333) |  |  | (754) |  |  | (16,268) |
Provision for (recovery of) credit losses on loans | 19,807 |  |  | 6,937 |  |  | 19,382 |  |  | 41,083 |  |  | 445 |  |  | (554) |  |  | 87,100 |
Ending balance | $ | 60,526 |  |  | $ | 23,953 |  |  | $ | 66,826 |  |  | $ | 139,342 |  |  | $ | 1,480 |  |  | $ | 5,464 |  |  | $ | 297,591 |
Nonaccruing loans with no allowance for credit losses | $ | 25,041 |  |  | $ | 4,412 |  |  | $ | 4,275 |  |  | $ | 17,480 |  |  | $ | — |  |  | $ | — |  |  | $ | 51,208 |
| Commercial |  | Real Estate - Construction |  | Real Estate - 1-4 Family Mortgage |  | Real Estate - Commercial Mortgage |  | Lease Financing |  | Installment Loans to Individuals |  | Total
Three Months Ended September 30, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 44,951 |  |  | $ | 18,896 |  |  | $ | 47,421 |  |  | $ | 77,125 |  |  | $ | 2,515 |  |  | $ | 8,963 |  |  | $ | 199,871 |
Charge-offs | (347) |  |  | — |  |  | (256) |  |  | (10) |  |  | (642) |  |  | (649) |  |  | (1,904) |
Recoveries | 514 |  |  | — |  |  | 57 |  |  | 11 |  |  | 8 |  |  | 611 |  |  | 1,201 |
Net recoveries (charge-offs) | 167 |  |  | — |  |  | (199) |  |  | 1 |  |  | (634) |  |  | (38) |  |  | (703) |
(Recovery of) provision for credit losses on loans | (2,065) |  |  | (2,240) |  |  | (3) |  |  | 4,961 |  |  | 503 |  |  | 54 |  |  | 1,210 |
Ending balance | $ | 43,053 |  |  | $ | 16,656 |  |  | $ | 47,219 |  |  | $ | 82,087 |  |  | $ | 2,384 |  |  | $ | 8,979 |  |  | $ | 200,378 |
Nine Months Ended September 30, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 43,980 |  |  | $ | 18,612 |  |  | $ | 47,283 |  |  | $ | 77,020 |  |  | $ | 2,515 |  |  | $ | 9,168 |  |  | $ | 198,578 |
Charge-offs | (882) |  |  | — |  |  | (546) |  |  | (5,737) |  |  | (642) |  |  | (1,379) |  |  | (9,186) |
Recoveries | 1,385 |  |  | — |  |  | 130 |  |  | 116 |  |  | 26 |  |  | 1,181 |  |  | 2,838 |
Net recoveries (charge-offs) | 503 |  |  | — |  |  | (416) |  |  | (5,621) |  |  | (616) |  |  | (198) |  |  | (6,348) |
Provision for (recovery of) credit losses on loans | (1,430) |  |  | (1,956) |  |  | 352 |  |  | 10,688 |  |  | 485 |  |  | 9 |  |  | 8,148 |
Ending balance | $ | 43,053 |  |  | $ | 16,656 |  |  | $ | 47,219 |  |  | $ | 82,087 |  |  | $ | 2,384 |  |  | $ | 8,979 |  |  | $ | 200,378 |
Nonaccruing loans with no allowance for credit losses | $ | 122 |  |  | $ | — |  |  | $ | 6,898 |  |  | $ | 25,016 |  |  | $ | 614 |  |  | $ | — |  |  | $ | 32,650 |
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 September 30, | 2025 | 2024
Allowance for credit losses on unfunded loan commitments: |  |
Beginning balance | $ | 23,565 |  | $ | 15,718 |
Provision for (recovery of) credit losses on unfunded loan commitments | 800 |  | (275) |
Ending balance | $ | 24,365 |  | $ | 15,443 |
Nine Months Ended September 30, | 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 | 9,422 |  | (1,475) |
Ending balance | $ | 24,365 |  | $ | 15,443 |

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- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: 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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