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Note 8 - Loans (Tables)

9 Months Ended

Sep. 30, 2025

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

		*September 30, 2025*				*December 31, 2024*
		($ In thousands)

Commercial loans		$	3,212,907			$	3,098,004
Construction loans			356,215				319,649
Commercial real estate loans			10,484,939				10,033,830
Residential mortgage loans			5,815,140				5,689,097
Equity lines			232,254				229,995
Installment and other loans			3,261				5,380
Gross loans		$	20,104,716			$	19,375,955
Allowance for loan losses			(186,647	)			(161,765	)
Unamortized deferred loan fees, net			(14,987	)			(10,541	)
Total loans held for investment, net		$	19,903,082			$	19,203,649

Schedule of Nonaccrual Loans and Related Allowance and Charge Off [Table Text Block]

		*September 30, 2025*
		*Unpaid Principal Balance*				*Recorded Investment*				*Allowance*
		($ In thousands)

With no allocated allowance:
Commercial loans		$	37,723			$	24,689			$	—
Commercial real estate loans			102,912				84,419				—
Residential mortgage loans and equity lines			19,856				19,278				—
Subtotal		$	160,491			$	128,386			$	—

With allocated allowance:
Commercial loans		$	12,900			$	9,001			$	3,604
Commercial real estate loans			23,064				18,739				9,131
Residential mortgage loans and equity lines			10,129				9,506				32
Subtotal		$	46,093			$	37,246			$	12,767
Total non-accrual loans		$	206,584			$	165,632			$	12,767

		*December 31, 2024*
		*Unpaid Principal Balance*				*Recorded Investment*				*Allowance*
		($ In thousands)

With no allocated allowance:
Commercial loans		$	56,022			$	53,499			$	—
Commercial real estate loans			100,316				82,936				—
Residential mortgage loans and equity lines			19,340				18,831				—
Subtotal		$	175,678			$	155,266			$	—

With allocated allowance:
Commercial loans		$	18,769			$	6,267			$	1,208
Commercial real estate loans			194				193				1
Residential mortgage loans and equity lines			7,786				7,435				29
Subtotal		$	26,749			$	13,895			$	1,238
Total non-accrual loans		$	202,427			$	169,161			$	1,238

Financing Receivable, Nonaccrual [Table Text Block]

		*Three Months Ended*								*Nine Months Ended*
		*September 30, 2025*								*September 30, 2025*
		*Average Recorded Investment*				*Interest Income Recognized*				*Average Recorded Investment*				*Interest Income Recognized*
		($ In thousands)

Commercial loans		$	45,584			$	—			$	53,099			$	7
Construction loans			—				—				1,804				—
Commercial real estate loans			101,615				—				93,100				—
Residential mortgage loans and equity lines			27,517				—				26,737				—
Total non-accrual loans		$	174,716			$	—			$	174,740			$	7

		*Three Months Ended*								*Nine Months Ended*
		*September 30, 2024*								*September 30, 2024*
		*Average Recorded Investment*				*Interest Income Recognized*				*Average Recorded Investment*				*Interest Income Recognized*
		($ In thousands)

Commercial loans		$	24,609			$	4			$	15,755			$	9
Construction loans			15,499				—				22,174				—
Commercial real estate loans			78,982				98				60,352				220
Residential mortgage loans and equity lines			21,529				—				17,488				—
Total non-accrual loans		$	140,619			$	102			$	115,769			$	229

Financing Receivable, Past Due [Table Text Block]

		*September 30, 2025*
		*Accruing*
		*30-59 Days Past Due*				*60-89 Days Past Due*				*90 Days or More Past Due*				*Non-accrual Loans*				*Total Past Due*				*Loans Not Past Due*				*Total*
		($ In thousands)
Type of Loans:
Commercial loans		$	44,017			$	1,715			$	110			$	33,690			$	79,532			$	3,133,375			$	3,212,907
Construction loans			2,532				—				—				—				2,532				353,683				356,215
Commercial real estate loans			26,942				11,721				—				103,158				141,821				10,343,118				10,484,939
Residential mortgage loans and equity lines			38				12,266				—				28,784				41,088				6,006,306				6,047,394
Installment and other loans			—				—				—				—				—				3,261				3,261
Total loans		$	73,529			$	25,702			$	110			$	165,632			$	264,973			$	19,839,743			$	20,104,716

		*December 31, 2024*
		*Accruing*
		*30-59 Days Past Due*				*60-89 Days Past Due*				*90 Days or More Past Due*				*Non-accrual Loans*				*Total Past Due*				*Loans Not Past Due*				*Total*
		($ In thousands)
Type of Loans:
Commercial loans		$	25,164			$	275			$	2,590			$	59,767			$	87,796			$	3,010,208			$	3,098,004
Construction loans			5,334				—				—				—				5,334				314,315				319,649
Commercial real estate loans			16,525				13,934				1,460				83,128				115,047				9,918,783				10,033,830
Residential mortgage loans and equity lines			39,018				6,651				—				26,266				71,935				5,847,157				5,919,092
Installment and other loans			—				—				—				—				—				5,380				5,380
Total loans		$	86,041			$	20,860			$	4,050			$	169,161			$	280,112			$	19,095,843			$	19,375,955

Financing Receivable, Modified, Amortized Cost [Table Text Block]

		*Three Months Ended September 30, 2025*																				*Financial Effects of Loan Modifications*
		*Term Extension*				*Payment Delay*				*Combo-Rate Reduction/Term Extension/Payment Delay*				*Total*				*Modification as a % of Loan Class*				*Weighted-Average Change in Rate*				*Weighted-Average Term Extension (in Years)*				*Weighted-Average Payment Deferral (in Years)*
		($ In thousands)
Loan Type
Commercial loans		$	2,495			$	—			$	13,424			$	15,919				0.50	%			0.00				0.4				0.2
Commercial real estate loans			2,060				—				—				2,060				0.02	%			0.00				1.0				0.0
Construction loans			11,197				—				26,140				37,337				10.48	%			(0.31	)			0.6				0.0
Total		$	15,752			$	—			$	39,564			$	55,316

		*Nine Months Ended September 30, 2025*																				*Financial Effects of Loan Modifications*
		*Term Extension*				*Payment Delay*				*Combo-Rate Reduction/Term Extension/Payment Delay*				*Total*				*Modification as a % of Loan Class*				*Weighted-Average Change in Rate*				*Weighted-Average Term Extension (in Years)*				*Weighted-Average Payment Deferral (in Years)*
		($ In thousands)
Loan Type
Commercial loans		$	6,303			$	—			$	13,424			$	19,727				0.61	%			0.00				1.1				0.2
Commercial real estate loans			2,060				—				4,014				6,074				0.06	%			(0.91	)			2.1				0.5
Residential mortgage loans			—				—				217				217				0.00	%			0.00				0.0				1.9
Construction loans			11,197				—				26,140				37,337				10.48	%			(0.31	)			0.6				0.0
Total		$	19,560			$	—			$	43,795			$	63,355

		*Three Months Ended September 30, 2024*																				*Financial Effects of Loan Modifications*
		*Term Extension*				*Payment Delay*				*Combo-Rate Reduction/Term Extension/Payment Delay*				*Total*				*Modification as a % of Loan Class*				*Weighted-Average Change in Rate*				*Weighted-Average Term Extension (in Years)*				*Weighted-Average Payment Deferral (in Years)*
		($ In thousands)
Loan Type
Commercial loans		$	—			$	135			$	—			$	135				0.00	%			0.00				0.0				0.6
Total		$	—			$	135			$	—			$	135

		*Nine Months Ended September 30, 2024*																				*Financial Effects of Loan Modifications*
		*Term Extension*				*Payment Delay*				*Combo-Rate Reduction/Term Extension/Payment Delay*				*Total*				*Modification as a % of Loan Class*				*Weighted-Average Change in Rate*				*Weighted-Average Term Extension (in Years)*				*Weighted-Average Payment Deferral (in Years)*
		($ In thousands)
Loan Type
Commercial loans		$	6,749			$	135			$	974			$	7,858				0.25	%			1.04				1.9				0.1
Residential mortgage loans			—				221				—				221				0.00	%			(0.18	)			0.0				2.0
Total		$	6,749			$	356			$	974			$	8,079

Financing Receivable, Modified, Performance [Table Text Block]

		*As of September 30, 2025*
		*Current*				*30–89 Days Past Due*				*90+ Days Past Due*				*Total*
		($ In thousands)
Loan Type
Commercial loans		$	12,227			$	7,500			$	—			$	19,727
Commercial real estate loans			6,074				—				—				6,074
Construction loans			37,337				—				—				37,337
Residential mortgage loans			217				—				—				217
Total		$	55,855			$	7,500			$	—			$	63,355

		*As of September 30, 2024*
		*Current*				*30–89 Days Past Due*				*90+ Days Past Due*				*Total*
		($ In thousands)
Loan Type
Commercial loans		$	7,858			$	—			$	—			$	7,858
Residential mortgage loans			221												221
Total		$	8,079			$	—			$	—			$	8,079

Loan Held for Investment by Loan Portfolio Segments, Internal Risk Ratings and Vintage Year [Table Text Block]

		*Loans Amortized Cost Basis by Origination Year*
September 30, 2025		*2025*				*2024*				*2023*				*2022*				*2021*				*Prior*				*Revolving Loans*				*Revolving Converted to Term Loans*				*Total*
		($ In thousands)
Commercial loans
Pass/Watch		$	256,492			$	214,742			$	220,140			$	153,970			$	168,737			$	108,837			$	1,824,424			$	6,729			$	2,954,071
Special Mention			3,228				36,059				—				1,601				417				3,973				114,509				—				159,787
Substandard			—				9,666				19,349				7,700				11				19,688				34,761				453				91,628
Doubtful			—				—				—				2,135				—				320				—				—				2,455
Total		$	259,720			$	260,467			$	239,489			$	165,406			$	169,165			$	132,818			$	1,973,694			$	7,182			$	3,207,941
YTD gross write-offs		$	—			$	88			$	398			$	416			$	4,412			$	10,139			$	12,181			$	—			$	27,634
Construction loans
Pass/Watch		$	69,969			$	63,967			$	59,170			$	87,207			$	30,120			$	—			$	1,177			$	—			$	311,610
Special Mention			—				—				7,556				2,532				—				—				—				—				10,088
Substandard			—				—				—				—				26,140				6,636				—				—				32,776
Total		$	69,969			$	63,967			$	66,726			$	89,739			$	56,260			$	6,636			$	1,177			$	—			$	354,474
YTD gross write-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Commercial real estate loans
Pass/Watch		$	1,429,454			$	1,384,602			$	1,762,220			$	1,540,316			$	1,312,358			$	2,329,200			$	182,836			$	—			$	9,940,986
Special Mention			22,430				27,236				37,705				81,451				50,152				42,896				21,310				—				283,180
Substandard			2,607				14,980				14,218				52,291				50,256				92,238				5,134				1,528				233,252
Doubtful			—				—				—				—				—				18,251				—				—				18,251
Total		$	1,454,491			$	1,426,818			$	1,814,143			$	1,674,058			$	1,412,766			$	2,482,585			$	209,280			$	1,528			$	10,475,669
YTD gross write-offs		$	—			$	—			$	—			$	—			$	930			$	3,223			$	—			$	—			$	4,153
Residential mortgage loans
Pass/Watch		$	777,862			$	523,181			$	930,890			$	932,702			$	702,965			$	1,907,279			$	—			$	—			$	5,774,879
Special Mention			—				—				—				—				—				1,596				—				—				1,596
Substandard			49				2,169				2,476				8,945				4,818				20,577				—				—				39,034
Total		$	777,911			$	525,350			$	933,366			$	941,647			$	707,783			$	1,929,452			$	—			$	—			$	5,815,509
YTD gross write-offs		$	—			$	74			$	—			$	—			$	—			$	—			$	—			$	—			$	74
Equity lines
Pass/Watch		$	—			$	—			$	—			$	—			$	—			$	—			$	214,160			$	15,620			$	229,780
Substandard			—				—				—				—				—				—				2,858				237				3,095
Total		$	—			$	—			$	—			$	—			$	—			$	—			$	217,018			$	15,857			$	232,875
YTD gross write-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Installment and other loans
Pass/Watch		$	1,778			$	1,403			$	—			$	80			$	—			$	—			$	—			$	—			$	3,261
Total		$	1,778			$	1,403			$	—			$	80			$	—			$	—			$	—			$	—			$	3,261
YTD gross write-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Total loans		$	2,563,869			$	2,278,005			$	3,053,724			$	2,870,930			$	2,345,974			$	4,551,491			$	2,401,169			$	24,567			$	20,089,729
Total YTD gross write-offs		$	—			$	162			$	398			$	416			$	5,342			$	13,362			$	12,181			$	—			$	31,861

		*Loans Amortized Cost Basis by Origination Year*
December 31, 2024		*2024*				*2023*				*2022*				*2021*				*2020*				*Prior*				*Revolving Loans*				*Revolving Converted to Term Loans*				*Total*
		($ In thousands)
Commercial loans
Pass/Watch		$	400,836			$	237,303			$	203,190			$	201,837			$	27,359			$	90,724			$	1,675,260			$	7,804			$	2,844,313
Special Mention			—				17,424				740				—				9,117				5,139				92,632				—				125,052
Substandard			50				5,070				12,104				6,773				22,357				6,256				67,553				222				120,385
Doubtful			1,857				—				—				3,118				—				—				—				—				4,975
Total		$	402,743			$	259,797			$	216,034			$	211,728			$	58,833			$	102,119			$	1,835,445			$	8,026			$	3,094,725
YTD gross write-offs		$	188			$	1,586			$	3,151			$	8,950			$	257			$	64			$	12,730			$	—			$	26,926
Construction loans
Pass/Watch		$	22,562			$	55,835			$	126,200			$	57,546			$	3,021			$	—			$	—			$	—			$	265,164
Special Mention			—				—				—				35,569				13,837				—				—				—				49,406
Substandard			—				4,230				—				—				—				—				—				—				4,230
Total		$	22,562			$	60,065			$	126,200			$	93,115			$	16,858			$	—			$	—			$	—			$	318,800
YTD gross write-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Commercial real estate loans
Pass/Watch		$	1,463,225			$	1,987,280			$	1,724,563			$	1,428,124			$	800,645			$	2,108,143			$	180,394			$	—			$	9,692,374
Special Mention			8,805				8,292				28,465				16,462				24,844				19,888				9,939				—				116,695
Substandard			—				11,364				54,269				57,929				6,946				78,737				8,152				—				217,397
Total		$	1,472,030			$	2,006,936			$	1,807,297			$	1,502,515			$	832,435			$	2,206,768			$	198,485			$	—			$	10,026,466
YTD gross write-offs		$	—			$	—			$	—			$	—			$	296			$	4,173			$	—			$	—			$	4,469
Residential mortgage loans
Pass/Watch		$	642,568			$	1,020,419			$	1,014,842			$	781,218			$	452,623			$	1,745,923			$	—			$	—			$	5,657,593
Special Mention			—				—				—				—				33				1,585				—				—				1,618
Substandard			397				2,513				4,362				5,183				4,191				13,436				—				—				30,082
Total		$	642,965			$	1,022,932			$	1,019,204			$	786,401			$	456,847			$	1,760,944			$	—			$	—			$	5,689,293
YTD gross write-offs		$	—			$	—			$	—			$	59			$	—			$	—			$	—			$	—			$	59
Equity lines
Pass/Watch		$	—			$	—			$	72			$	—			$	—			$	—			$	211,374			$	16,277			$	227,723
Special Mention			—				—				—				—				—				—				—				11				11
Substandard			—				—				—				—				—				—				2,927				161				3,088
Total		$	—			$	—			$	72			$	—			$	—			$	—			$	214,301			$	16,449			$	230,822
YTD gross write-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	3			$	—			$	3
Installment and other loans
Pass/Watch		$	5,264			$	—			$	44			$	—			$	—			$	—			$	—			$	—			$	5,308
Total		$	5,264			$	—			$	44			$	—			$	—			$	—			$	—			$	—			$	5,308
YTD gross write-offs		$	—			$	—			$	15			$	—			$	—			$	—			$	—			$	—			$	15
Total loans		$	2,545,564			$	3,349,730			$	3,168,851			$	2,593,759			$	1,364,973			$	4,069,831			$	2,248,231			$	24,475			$	19,365,414
Total YTD gross write-offs		$	188			$	1,586			$	3,166			$	9,009			$	553			$	4,237			$	12,733			$	—			$	31,472

Financing Receivable, Allowance for Credit Loss [Table Text Block]

														*Residential*
										*Commercial*				*Mortgage Loans*				*Installment*
		*Commercial*				*Construction*				*Real Estate*				*and*				*and Other*
		*Loans*				*Loans*				*Loans*				*Equity Lines*				*Loans*				*Total*
		($ In thousands)
Allowance for Loan Losses:
June 30, 2025 Ending Balance		$	40,842			$	5,434			$	106,773			$	20,465			$	17			$	173,531
Provision/(reversal) for expected credit losses			13,855				966				11,054				2,892				(5	)			28,762
Charge-offs			(16,173	)			—				(314	)			—				—				(16,487	)
Recoveries			547				5				285				4				—				841
Net (charge-offs)/recoveries			(15,626	)			5				(29	)			4				—				(15,646	)
September 30, 2025 Ending Balance		$	39,071			$	6,405			$	117,798			$	23,361			$	12			$	186,647

Allowance for unfunded credit commitments:
June 30, 2025 Ending Balance		$	7,590			$	2,248			$	54			$	—			$	—			$	9,892
(Reversal)/provision for expected credit losses			(872	)			698				143				—				—				(31	)
September 30, 2025 Ending Balance		$	6,718			$	2,946			$	197			$	—			$	—			$	9,861

														*Residential*
										*Commercial*				*Mortgage Loans*				*Installment*
		*Commercial*				*Construction*				*Real Estate*				*and*				*and Other*
		*Loans*				*Loans*				*Loans*				*Equity Lines*				*Loans*				*Total*
		($ In thousands)
Allowance for Loan Losses:
June 30, 2024 Ending Balance		$	48,588			$	8,912			$	78,465			$	17,415			$	23			$	153,403
Provision/(reversal) for expected credit losses			4,872				(402	)			8,444				1,554				64				14,532
Charge-offs			(2,666	)			—				(1,746	)			(59	)			(7	)			(4,478	)
Recoveries			88				—				180				7				1				276
Net (charge-offs)/recoveries			(2,578	)			—				(1,566	)			(52	)			(6	)			(4,202	)
September 30, 2024 Ending Balance		$	50,882			$	8,510			$	85,343			$	18,917			$	81			$	163,733

Allowance for unfunded credit commitments:
June 30, 2024 Ending Balance		$	7,493			$	2,081			$	—			$	—			$	—			$	9,574
Provision/(reversal) for expected credit losses			208				(240	)			—				—				—				(32	)
September 30, 2024 Ending Balance		$	7,701			$	1,841			$	—			$	—			$	—			$	9,542

														*Residential*
										*Commercial*				*Mortgage Loans*				*Installment*
		*Commercial*				*Construction*				*Real Estate*				*and*				*and Other*
		*Loans*				*Loans*				*Loans*				*Equity Lines*				*Loans*				*Total*
		($ In thousands)
Allowance for Loan Losses:
December 31, 2024 Ending Balance		$	57,796			$	8,185			$	79,597			$	16,181			$	6			$	161,765
Provision/(reversal) for expected credit losses			7,897				(1,786	)			41,889				7,240				6				55,246
Charge-offs			(27,634	)			—				(4,153	)			(74	)			—				(31,861	)
Recoveries			1,012				6				465				14				—				1,497
Net (charge-offs)/recoveries			(26,622	)			6				(3,688	)			(60	)			—				(30,364	)
September 30, 2025 Ending Balance		$	39,071			$	6,405			$	117,798			$	23,361			$	12			$	186,647

Allowance for unfunded credit commitments:
December 31, 2024 Ending Balance		$	7,780			$	1,896			$	—			$	—			$	—			$	9,676
(Reversal)/provision for expected credit losses			(1,062	)			1,050				197				—				—				185
September 30, 2025 Ending Balance		$	6,718			$	2,946			$	197			$	—			$	—			$	9,861

														*Residential*
										*Commercial*				*Mortgage Loans*				*Installment*
		*Commercial*				*Construction*				*Real Estate*				*and*				*and Other*
		*Loans*				*Loans*				*Loans*				*Equity Lines*				*Loans*				*Total*
		($ In thousands)
Allowance for Loan Losses:
December 31, 2023 Ending Balance		$	53,791			$	8,180			$	74,428			$	18,140			$	23			$	154,562
Provision for expected credit losses			8,927				330				12,731				459				64				22,511
Charge-offs			(12,862	)			—				(1,997	)			(62	)			(7	)			(14,928	)
Recoveries			1,026				—				181				380				1				1,588
Net (charge-offs)/recoveries			(11,836	)			—				(1,816	)			318				(6	)			(13,340	)
September 30, 2024 Ending Balance		$	50,882			$	8,510			$	85,343			$	18,917			$	81			$	163,733

Allowance for unfunded credit commitments:
December 31, 2023 Ending Balance		$	6,888			$	2,165			$	—			$	—			$	—			$	9,053
Provision/(reversal) for expected credit losses			813				(324	)			—				—				—				489
September 30, 2024 Ending Balance		$	7,701			$	1,841			$	—			$	—			$	—			$	9,542