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v3.26.1

Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2026
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 nonaccrual loans with no allowance for credit losses for the periods presented:
| Commercial and industrial |  | Construction and land development |  | Real Estate - 1-4 Family Mortgage |  | Commercial real estate - owner occupied |  | Commercial real estate - non owner occupied |  | Consumer |  | Total
Three Months Ended March 31, 2026 |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 57,831 |  |  | $ | 31,359 |  |  | $ | 61,249 |  |  | $ | 38,961 |  |  | $ | 99,605 |  |  | $ | 4,950 |  |  | $ | 293,955 |
Charge-offs | (1,070) |  |  | (1) |  |  | (525) |  |  | (1,136) |  |  | (198) |  |  | (330) |  |  | (3,260) |
Recoveries | 150 |  |  | — |  |  | 26 |  |  | 676 |  |  | 63 |  |  | 28 |  |  | 943 |
Net charge-offs | (920) |  |  | (1) |  |  | (499) |  |  | (460) |  |  | (135) |  |  | (302) |  |  | (2,317) |
Provision for (recovery of) credit losses on loans | 8,903 |  |  | 5,611 |  |  | 5,903 |  |  | (1,060) |  |  | (15,090) |  |  | (43) |  |  | 4,224 |
Ending balance | $ | 65,814 |  |  | $ | 36,969 |  |  | $ | 66,653 |  |  | $ | 37,441 |  |  | $ | 84,380 |  |  | $ | 4,605 |  |  | $ | 295,862 |
Nonaccruing loans with no allowance for credit losses | $ | 23,394 |  |  | $ | 5,146 |  |  | $ | 2,473 |  |  | $ | 8,805 |  |  | $ | 28,598 |  |  | $ | — |  |  | $ | 68,416 |
| Commercial and industrial |  | Construction and land development |  | Real Estate - 1-4 Family Mortgage |  | Commercial real estate - owner occupied |  | Commercial real estate - non owner occupied |  | Consumer |  | Total
Three Months Ended March 31, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 41,864 |  |  | $ | 19,200 |  |  | $ | 45,498 |  |  | $ | 16,993 |  |  | $ | 71,664 |  |  | $ | 6,537 |  |  | $ | 201,756 |
Charge-offs | (94) |  |  | — |  |  | (309) |  |  | (461) |  |  | — |  |  | (265) |  |  | (1,129) |
Recoveries | 967 |  |  | — |  |  | 33 |  |  | 4 |  |  | 2 |  |  | 248 |  |  | 1,254 |
Net recoveries (charge-offs) | 873 |  |  | — |  |  | (276) |  |  | (457) |  |  | 2 |  |  | (17) |  |  | 125 |
(Recovery of) provision for credit losses on loans | (853) |  |  | 1,645 |  |  | 2,879 |  |  | 1,290 |  |  | (2,885) |  |  | (26) |  |  | 2,050 |
Ending balance | $ | 41,884 |  |  | $ | 20,845 |  |  | $ | 48,101 |  |  | $ | 17,826 |  |  | $ | 68,781 |  |  | $ | 6,494 |  |  | $ | 203,931 |
Nonaccruing loans with no allowance for credit losses | $ | 5,134 |  |  | $ | 711 |  |  | $ | 5,384 |  |  | $ | 6,418 |  |  | $ | 3,914 |  |  | $ | — |  |  | $ | 21,561 |
Scheduled Of Collateral Dependent Loans Type of Collateral and Allowance For Credit Losses | The following tables present collateral dependent loans by loan portfolio segment and by type of collateral along with the related allowance for credit losses:
| Collateral Type |  |  |
March 31, 2026 | Real Estate | Other | Total |  | ACL
Commercial and industrial | $ | — |  | $ | 60,487 |  | $ | 60,487 |  |  | $ | 11,952 |
Construction and land development |  |  |  |  |
Residential | 1,991 |  | — |  | 1,991 |  |  | — |
Other | 9,046 |  | — |  | 9,046 |  |  | 1,887 |
Total construction and land development | 11,037 |  | — |  | 11,037 |  |  | 1,887 |
Real estate - 1-4 family mortgage |  |  |  |  |
First lien | 3,074 |  | — |  | 3,074 |  |  | 134 |
Junior lien | — |  | — |  | — |  |  | — |
Home equity | 500 |  | — |  | 500 |  |  | — |
Total real estate – 1-4 family mortgage | 3,574 |  | — |  | 3,574 |  |  | 134 |
Commercial real estate - owner occupied | 20,935 |  | — |  | 20,935 |  |  | 3,689 |
Commercial real estate - non-owner occupied |  |  |  |  |
Multi family | — |  | — |  | — |  |  | — |
Other | 48,118 |  | — |  | 48,118 |  |  | 6,365 |
Total commercial real estate - non-owner occupied | 48,118 |  | — |  | 48,118 |  |  | 6,365 |
Consumer | — |  | — |  | — |  |  | — |
Loans, net of unearned income | $ | 83,664 |  | $ | 60,487 |  | $ | 144,151 |  |  | $ | 24,027 |
| Collateral Type |  |  |
December 31, 2025 | Real Estate | Other | Total |  | ACL
Commercial and industrial | $ | — |  | $ | 46,860 |  | $ | 46,860 |  |  | $ | 4,502 |
Construction and land development |  |  |  |  |
Residential | 2,033 |  | — |  | 2,033 |  |  | — |
Other | 10,575 |  | — |  | 10,575 |  |  | 1,887 |
Total construction and land development | 12,608 |  | — |  | 12,608 |  |  | 1,887 |
Real estate - 1-4 family mortgage |  |  |  |  |
First lien | 3,263 |  | — |  | 3,263 |  |  | 116 |
Junior lien | — |  | — |  | — |  |  | — |
Home equity | 500 |  | — |  | 500 |  |  | — |
Total real estate – 1-4 family mortgage | 3,763 |  | — |  | 3,763 |  |  | 116 |
Commercial real estate - owner occupied | 21,165 |  | — |  | 21,165 |  |  | 3,661 |
Commercial real estate - non-owner occupied |  |  |  |  |
Multi family | — |  | — |  | — |  |  | — |
Other | 48,049 |  | — |  | 48,049 |  |  | 10,999 |
Total commercial real estate - non-owner occupied | 48,049 |  | — |  | 48,049 |  |  | 10,999 |
Consumer | — |  | 270 |  | 270 |  |  | 270 |
Loans, net of unearned income | $ | 85,585 |  | $ | 47,130 |  | $ | 132,715 |  |  | $ | 21,435 |
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, | 2026 |  | 2025
Allowance for credit losses on unfunded loan commitments: |  |  |
Beginning balance | $ | 29,827 |  |  | $ | 14,943 |
Provision for credit losses on unfunded loan commitments | 3,856 |  |  | 2,700 |
Ending balance | $ | 33,683 |  |  | $ | 17,643 |

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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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