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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended | 12 Months Ended
--- | --- | --- | ---
Sep. 30, 2024 | Sep. 30, 2023 | Sep. 30, 2024 | Sep. 30, 2023 | Dec. 31, 2023
Allowance for credit loss - loans |  |  |  |  |
Beginning balance |  |  | $ 66,669 |  |
Charge-offs |  |  | (1,640) |  | $ (784)
Ending balance | $ 76,167 | $ 64,945 | 76,167 | $ 64,945 | 66,669
Accrued interest receivable on loans | 34,000 |  | 34,000 |  |
Amounts outstanding | 621,600 |  | 621,600 |  |
Foreclosures in progress | 7,000 |  | 7,000 |  | 5,800
Sale of secondary market eligible residential consumer mortgage loans |  |  | 39,900 | 4,600 |
Provision | 7,709 | 2,878 | 16,565 | 7,130 |
Liabilities for off-balance-sheet |  |  |  |  |
Beginning balance | 869 | 933 | 913 | 1,123 | 1,123
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Provision | 213 | (32) | 169 | (222) |
Ending balance | 1,082 | 901 | 1,082 | 901 | 913
Asset Pledged as Collateral | Borrowings from FHLB and FRB |  |  |  |  |
Allowance for credit loss - loans |  |  |  |  |
Total loans |  |  | 4,550,000 |  |
Consumer mortgage |  |  |  |  |
Allowance for credit loss - loans |  |  |  |  |
Charge-offs |  |  | (345) |  | (669)
Consumer indirect |  |  |  |  |
Allowance for credit loss - loans |  |  |  |  |
Charge-offs |  |  | (8,669) |  | (9,352)
Consumer direct |  |  |  |  |
Allowance for credit loss - loans |  |  |  |  |
Charge-offs |  |  | (2,169) |  | (2,009)
Home equity |  |  |  |  |
Allowance for credit loss - loans |  |  |  |  |
Charge-offs |  |  | (115) |  | (119)
Commercial Portfolio Segment | Business lending |  |  |  |  |
Allowance for credit loss - loans |  |  |  |  |
Beginning balance | 31,128 | 25,291 | 26,854 | 23,297 | 23,297
Charge-offs | (1,114) | (139) | (1,640) | (618) |
Recoveries | 199 | 152 | 330 | 437 |
Provision | 3,536 | 740 | 8,205 | 2,928 |
Ending balance | 33,749 | 26,044 | 33,749 | 26,044 | 26,854
Residential Portfolio Segment | Consumer mortgage |  |  |  |  |
Allowance for credit loss - loans |  |  |  |  |
Beginning balance | 14,303 | 14,553 | 15,333 | 14,343 | 14,343
Charge-offs | (188) | (143) | (345) | (366) |
Recoveries | 5 | 3 | 39 | 35 |
Provision | 674 | 558 | (233) | 959 |
Ending balance | 14,794 | 14,971 | 14,794 | 14,971 | 15,333
Residential Portfolio Segment | Home equity |  |  |  |  |
Allowance for credit loss - loans |  |  |  |  |
Beginning balance | 1,519 | 1,600 | 1,628 | 1,594 | 1,594
Charge-offs | (58) | (6) | (115) | (90) |
Recoveries | 2 | 2 | 5 | 13 |
Provision | 103 | (2) | 48 | 77 |
Ending balance | 1,566 | 1,594 | 1,566 | 1,594 | 1,628
Consumer Portfolio Segment | Consumer indirect |  |  |  |  |
Allowance for credit loss - loans |  |  |  |  |
Beginning balance | 20,124 | 17,808 | 18,585 | 17,852 | 17,852
Charge-offs | (3,000) | (2,100) | (8,669) | (6,490) |
Recoveries | 1,816 | 1,319 | 4,956 | 4,342 |
Provision | 2,146 | 1,263 | 6,214 | 2,586 |
Ending balance | 21,086 | 18,290 | 21,086 | 18,290 | 18,585
Consumer Portfolio Segment | Consumer direct |  |  |  |  |
Allowance for credit loss - loans |  |  |  |  |
Beginning balance | 3,368 | 3,032 | 3,269 | 2,973 | 2,973
Charge-offs | (661) | (554) | (2,169) | (1,366) |
Recoveries | 228 | 217 | 710 | 637 |
Provision | 1,037 | 351 | 2,162 | 802 |
Ending balance | 3,972 | 3,046 | 3,972 | 3,046 | 3,269
Unallocated |  |  |  |  |
Allowance for credit loss - loans |  |  |  |  |
Beginning balance | 1,000 | 1,000 | 1,000 | 1,000 | 1,000
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Provision | 0 | 0 | 0 | 0 |
Ending balance | 1,000 | 1,000 | 1,000 | 1,000 | 1,000
Allowances For Credit Losses [Member] |  |  |  |  |
Allowance for credit loss - loans |  |  |  |  |
Beginning balance | 71,442 | 63,284 | 66,669 | 61,059 | 61,059
Charge-offs | (5,021) | (2,942) | (12,938) | (8,930) |
Recoveries | 2,250 | 1,693 | 6,040 | 5,464 |
Provision | 7,496 | 2,910 | 16,396 | 7,352 |
Ending balance | 76,167 | 64,945 | 76,167 | 64,945 | 66,669
Total Allowances For Credit Losses [Member] |  |  |  |  |
Allowance for credit loss |  |  |  |  |
Beginning balance | 72,311 | 64,217 | 67,582 | 62,182 | 62,182
Charge-offs | (5,021) | (2,942) | (12,938) | (8,930) |
Recoveries | 2,250 | 1,693 | 6,040 | 5,464 |
Provision | 7,709 | 2,878 | 16,565 | 7,130 |
Ending balance | $ 77,249 | $ 65,846 | $ 77,249 | $ 65,846 | $ 67,582

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