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v3.25.3

Allowance for Credit Losses - Roll Forward Of the Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended | 12 Months Ended
--- | --- | --- | ---
Sep. 30, 2025 | Sep. 30, 2024 | Sep. 30, 2025 | Sep. 30, 2024 | Dec. 31, 2024
Allowance for credit losses: |  |  |  |  |
Beginning balance | $ 290,770 | $ 199,871 | $ 201,756 | $ 198,578 | $ 198,578
Charge-offs | (5,054) | (1,904) | (19,162) | (9,186) | (13,809)
Recoveries | 715 | 1,201 | 2,894 | 2,838 |
Net charge-offs | (4,339) | (703) | (16,268) | (6,348) |
Provision for (recovery of) credit losses on loans | 9,650 | 1,210 | 87,100 | 8,148 |
Ending balance | 297,591 | 200,378 | 297,591 | 200,378 | 201,756
Nonaccruing loans with no allowance for credit losses | 51,208 | 32,650 | 51,208 | 32,650 |
Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 1,510 |  | 25,003 |  |
Ending balance |  |  |  |  | 25,003
Commercial, financial, agricultural |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 59,676 | 44,951 | 38,527 | 43,980 | 43,980
Charge-offs | (2,557) | (347) | (8,474) | (882) | (4,463)
Recoveries | 51 | 514 | 1,636 | 1,385 |
Net charge-offs | (2,506) | 167 | (6,838) | 503 |
Provision for (recovery of) credit losses on loans | 1,466 | (2,065) | 19,807 | (1,430) |
Ending balance | 60,526 | 43,053 | 60,526 | 43,053 | 38,527
Nonaccruing loans with no allowance for credit losses | 25,041 | 122 | 25,041 | 122 |
Commercial, financial, agricultural | Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 1,890 |  | 9,030 |  |
Ending balance |  |  |  |  | 9,030
Real estate – construction: |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 21,784 | 18,896 | 15,126 | 18,612 | 18,612
Charge-offs | (8) | 0 | (113) | 0 |
Recoveries | 6 | 0 | 6 | 0 |
Net charge-offs | (2) | 0 | (107) | 0 |
Provision for (recovery of) credit losses on loans | 2,171 | (2,240) | 6,937 | (1,956) |
Ending balance | 23,953 | 16,656 | 23,953 | 16,656 | 15,126
Nonaccruing loans with no allowance for credit losses | 4,412 | 0 | 4,412 | 0 |
Real estate – construction: | Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 0 |  | 1,997 |  |
Ending balance |  |  |  |  | 1,997
Real estate – 1-4 family mortgage: |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 65,703 | 47,421 | 47,761 | 47,283 | 47,283
Charge-offs | (612) | (256) | (1,240) | (546) | (966)
Recoveries | 84 | 57 | 154 | 130 |
Net charge-offs | (528) | (199) | (1,086) | (416) |
Provision for (recovery of) credit losses on loans | 1,146 | (3) | 19,382 | 352 |
Ending balance | 66,826 | 47,219 | 66,826 | 47,219 | 47,761
Nonaccruing loans with no allowance for credit losses | 4,275 | 6,898 | 4,275 | 6,898 |
Real estate – 1-4 family mortgage: | Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 505 |  | 769 |  |
Ending balance |  |  |  |  | 769
Real estate – commercial mortgage: |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 135,572 | 77,125 | 90,204 | 77,020 | 77,020
Charge-offs | (1,296) | (10) | (5,701) | (5,737) | (5,737)
Recoveries | 429 | 11 | 551 | 116 |
Net charge-offs | (867) | 1 | (5,150) | (5,621) |
Provision for (recovery of) credit losses on loans | 5,522 | 4,961 | 41,083 | 10,688 |
Ending balance | 139,342 | 82,087 | 139,342 | 82,087 | 90,204
Nonaccruing loans with no allowance for credit losses | 17,480 | 25,016 | 17,480 | 25,016 |
Real estate – commercial mortgage: | Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | (885) |  | 13,205 |  |
Ending balance |  |  |  |  | 13,205
Lease financing |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 1,935 | 2,515 | 3,368 | 2,515 | 2,515
Charge-offs | (42) | (642) | (2,436) | (642) | (642)
Recoveries | 90 | 8 | 103 | 26 |
Net charge-offs | 48 | (634) | (2,333) | (616) |
Provision for (recovery of) credit losses on loans | (503) | 503 | 445 | 485 |
Ending balance | 1,480 | 2,384 | 1,480 | 2,384 | 3,368
Nonaccruing loans with no allowance for credit losses | 0 | 614 | 0 | 614 |
Lease financing | Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 0 |  | 0 |  |
Ending balance |  |  |  |  | 0
Installment Loans to Individuals |  |  |  |  |
Allowance for credit losses: |  |  |  |  |
Beginning balance | 6,100 | 8,963 | 6,770 | 9,168 | 9,168
Charge-offs | (539) | (649) | (1,198) | (1,379) | (1,856)
Recoveries | 55 | 611 | 444 | 1,181 |
Net charge-offs | (484) | (38) | (754) | (198) |
Provision for (recovery of) credit losses on loans | (152) | 54 | (554) | 9 |
Ending balance | 5,464 | 8,979 | 5,464 | 8,979 | 6,770
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 | $ 0 |  | $ 2 |  |
Ending balance |  |  |  |  | $ 2

X
- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 + Details
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- Definition Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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