XML 86 R67.htm IDEA: XBRL DOCUMENT v3.25.0.1
LOANS AND ALLOWANCE FOR CREDIT LOSSES - Amount of Business Lending Loans by Credit Quality Categories (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
Total Loans $ 10,432,365 $ 9,704,598
Year One writeoff 0  
Year Two writeoff 1,282  
Year Three writeoff 119  
Year Four writeoff 176  
Year Five writeoff 0  
Prior 100  
Revolving Loans Amortized Cost Basis 924  
Revolving Loans Converted to Term 556  
Total Loans 3,157  
Legacy Loan    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
Total Loans 10,432,365 9,704,598
Pass    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 492,300  
2023 339,719  
2022 504,780  
2021 288,385  
2020 163,976  
Prior 753,480  
Revolving Loans Amortized Cost Basis 940,927  
Revolving Loans Converted to Term 605,678  
Total Loans 4,089,245  
Special Mention    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 8,829  
2023 5,548  
2022 54,617  
2021 3,760  
2020 1,668  
Prior 28,643  
Revolving Loans Amortized Cost Basis 35,358  
Revolving Loans Converted to Term 68,345  
Total Loans 206,768  
Substandard    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 1,575  
2023 29,267  
2022 18,824  
2021 5,862  
2020 2,931  
Prior 36,060  
Revolving Loans Amortized Cost Basis 46,411  
Revolving Loans Converted to Term 64,593  
Total Loans 205,523  
Doubtful    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 0  
2023 0  
2022 0  
2021 866  
2020 0  
Prior 0  
Revolving Loans Amortized Cost Basis 0  
Revolving Loans Converted to Term 2,776  
Total Loans 3,642  
Business lending    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 502,704 472,811
2023 374,534 638,783
2022 578,221 337,778
2021 298,873 196,592
2020 168,575 224,483
Prior 818,183 757,308
Revolving Loans Amortized Cost Basis 1,022,696 804,088
Revolving Loans Converted to Term 741,392 652,553
Total Loans 4,505,178 4,084,396
Year One writeoff   0
Year Two writeoff   160
Year Three writeoff   0
Year Four writeoff   0
Year Five writeoff   0
Prior   36
Revolving Loans Amortized Cost Basis   588
Revolving Loans Converted to Term   0
Total Loans   784
Business lending | Pass    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024   439,165
2023   624,181
2022   316,926
2021   187,579
2020   217,713
Prior   679,615
Revolving Loans Amortized Cost Basis   756,207
Revolving Loans Converted to Term   585,802
Total Loans   3,807,188
Business lending | Special Mention    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024   31,781
2023   12,599
2022   18,249
2021   3,572
2020   4,134
Prior   46,986
Revolving Loans Amortized Cost Basis   35,890
Revolving Loans Converted to Term   25,904
Total Loans   179,115
Business lending | Substandard    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024   1,865
2023   2,003
2022   2,603
2021   4,953
2020   2,636
Prior   30,707
Revolving Loans Amortized Cost Basis   11,991
Revolving Loans Converted to Term   40,847
Total Loans   97,605
Business lending | Doubtful    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024   0
2023   0
2022   0
2021   488
2020   0
Prior   0
Revolving Loans Amortized Cost Basis   0
Revolving Loans Converted to Term   0
Total Loans   488
CRE - multifamily    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 24,631 104,063
2023 101,868 153,613
2022 149,229 52,058
2021 52,001 20,047
2020 16,887 42,543
Prior 141,292 117,102
Revolving Loans Amortized Cost Basis 65,542 3,387
Revolving Loans Converted to Term 172,664 126,981
Total Loans 724,114 619,794
Year One writeoff 0 0
Year Two writeoff 0 0
Year Three writeoff 0 0
Year Four writeoff 62 0
Year Five writeoff 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total Loans 62 0
CRE - multifamily | Pass    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 24,631 90,888
2023 101,868 145,337
2022 141,997 52,058
2021 50,421 19,982
2020 16,827 41,992
Prior 134,788 112,287
Revolving Loans Amortized Cost Basis 63,401 3,237
Revolving Loans Converted to Term 146,565 106,580
Total Loans 680,498 572,361
CRE - multifamily | Special Mention    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 0 13,175
2023 0 7,317
2022 0 0
2021 0 65
2020 0 0
Prior 1,865 3,522
Revolving Loans Amortized Cost Basis 1,500 0
Revolving Loans Converted to Term 14,030 8,289
Total Loans 17,395 32,368
CRE - multifamily | Substandard    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 0 0
2023 0 959
2022 7,232 0
2021 1,580 0
2020 60 551
Prior 4,639 1,293
Revolving Loans Amortized Cost Basis 641 150
Revolving Loans Converted to Term 9,293 12,112
Total Loans 23,445 15,065
CRE - multifamily | Doubtful    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 0 0
2023 0 0
2022 0 0
2021 0 0
2020 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 2,776 0
Total Loans 2,776 0
CRE - owner occupied    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 102,069 62,682
2023 56,622 92,108
2022 86,195 60,369
2021 54,970 48,584
2020 40,328 82,347
Prior 253,517 211,838
Revolving Loans Amortized Cost Basis 70,336 29,707
Revolving Loans Converted to Term 200,746 165,139
Total Loans 864,783 752,774
Year One writeoff 0 0
Year Two writeoff 806 0
Year Three writeoff 0 0
Year Four writeoff 0 0
Year Five writeoff 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 0 19
Revolving Loans Converted to Term 0 0
Total Loans 806 19
CRE - owner occupied | Pass    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 101,325 58,544
2023 50,104 89,616
2022 76,554 58,798
2021 52,518 46,465
2020 36,798 80,361
Prior 233,701 192,345
Revolving Loans Amortized Cost Basis 68,794 28,023
Revolving Loans Converted to Term 171,660 158,652
Total Loans 791,454 712,804
CRE - owner occupied | Special Mention    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 744 3,258
2023 4,726 2,384
2022 2,076 649
2021 1,474 639
2020 1,407 1,472
Prior 4,679 11,962
Revolving Loans Amortized Cost Basis 430 743
Revolving Loans Converted to Term 23,107 6,064
Total Loans 38,643 27,171
CRE - owner occupied | Substandard    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 0 880
2023 1,792 108
2022 7,565 922
2021 978 1,480
2020 2,123 514
Prior 15,137 7,531
Revolving Loans Amortized Cost Basis 1,112 941
Revolving Loans Converted to Term 5,979 423
Total Loans 34,686 12,799
CRE - owner occupied | Doubtful    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 0 0
2023 0 0
2022 0 0
2021 0 0
2020 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total Loans 0 0
CRE - non-owner occupied    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 100,852 144,095
2023 131,508 256,662
2022 245,066 128,538
2021 119,966 91,355
2020 86,889 62,003
Prior 330,020 325,684
Revolving Loans Amortized Cost Basis 463,291 406,465
Revolving Loans Converted to Term 297,507 296,396
Total Loans 1,775,099 1,711,198
Year One writeoff 0 0
Year Two writeoff 412 0
Year Three writeoff 0 0
Year Four writeoff 0 0
Year Five writeoff 0 0
Prior 77 0
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 554 0
Total Loans 1,043 0
CRE - non-owner occupied | Pass    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 98,845 143,106
2023 120,244 255,699
2022 193,914 111,306
2021 115,990 86,560
2020 86,279 60,646
Prior 296,787 275,458
Revolving Loans Amortized Cost Basis 418,515 387,559
Revolving Loans Converted to Term 230,482 265,348
Total Loans 1,561,056 1,585,682
CRE - non-owner occupied | Special Mention    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 2,007 42
2023 377 827
2022 50,868 16,109
2021 1,264 1,311
2020 259 109
Prior 20,210 29,648
Revolving Loans Amortized Cost Basis 20,960 18,806
Revolving Loans Converted to Term 23,600 3,506
Total Loans 119,545 70,358
CRE - non-owner occupied | Substandard    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 0 947
2023 10,887 136
2022 284 1,123
2021 1,846 2,996
2020 351 1,248
Prior 13,023 20,578
Revolving Loans Amortized Cost Basis 23,816 100
Revolving Loans Converted to Term 43,425 27,542
Total Loans 93,632 54,670
CRE - non-owner occupied | Doubtful    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 0 0
2023 0 0
2022 0 0
2021 866 488
2020 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total Loans 866 488
Commercial & industrial and other business loans    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 275,152 161,971
2023 84,536 136,400
2022 97,731 96,813
2021 71,936 36,606
2020 24,471 37,590
Prior 93,354 102,684
Revolving Loans Amortized Cost Basis 423,527 364,529
Revolving Loans Converted to Term 70,475 64,037
Total Loans 1,141,182 1,000,630
Year One writeoff 0 0
Year Two writeoff 64 160
Year Three writeoff 119 0
Year Four writeoff 114 0
Year Five writeoff 0 0
Prior 23 36
Revolving Loans Amortized Cost Basis 924 569
Revolving Loans Converted to Term 2 0
Total Loans 1,246 765
Commercial & industrial and other business loans | Pass    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 267,499 146,627
2023 67,503 133,529
2022 92,315 94,764
2021 69,456 34,572
2020 24,072 34,714
Prior 88,204 99,525
Revolving Loans Amortized Cost Basis 390,217 337,388
Revolving Loans Converted to Term 56,971 55,222
Total Loans 1,056,237 936,341
Commercial & industrial and other business loans | Special Mention    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 6,078 15,306
2023 445 2,071
2022 1,673 1,491
2021 1,022 1,557
2020 2 2,553
Prior 1,889 1,854
Revolving Loans Amortized Cost Basis 12,468 16,341
Revolving Loans Converted to Term 7,608 8,045
Total Loans 31,185 49,218
Commercial & industrial and other business loans | Substandard    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 1,575 38
2023 16,588 800
2022 3,743 558
2021 1,458 477
2020 397 323
Prior 3,261 1,305
Revolving Loans Amortized Cost Basis 20,842 10,800
Revolving Loans Converted to Term 5,896 770
Total Loans 53,760 15,071
Commercial & industrial and other business loans | Doubtful    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 0 0
2023 0 0
2022 0 0
2021 0 0
2020 0 0
Prior 0 0
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total Loans 0 0
Consumer mortgage    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 461,926 503,463
2023 468,846 506,770
2022 468,171 624,951
2021 572,887 304,666
2020 278,452 230,933
Prior 1,034,927 956,818
Revolving Loans Amortized Cost Basis 36,179 39,997
Revolving Loans Converted to Term 168,392 117,420
Total Loans 3,489,780 3,285,018
Year One writeoff 0 0
Year Two writeoff 141 0
Year Three writeoff 30 0
Year Four writeoff 1 0
Year Five writeoff 20 85
Prior 192 584
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total Loans 384 669
Consumer mortgage | FICO AB    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 312,040 354,967
2023 327,737 353,556
2022 326,232 457,635
2021 419,635 200,034
2020 182,579 157,438
Prior 670,128 611,778
Revolving Loans Amortized Cost Basis 2,501 0
Revolving Loans Converted to Term 124,134 86,262
Total Loans 2,364,986 2,221,670
Consumer mortgage | FICO AB | Performing    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 312,040 354,967
2023 327,737 353,185
2022 325,563 456,871
2021 418,887 199,429
2020 182,058 157,159
Prior 665,652 606,591
Revolving Loans Amortized Cost Basis 2,501 0
Revolving Loans Converted to Term 124,134 86,067
Total Loans 2,358,572 2,214,269
Consumer mortgage | FICO AB | Nonperforming    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 0 0
2023 0 371
2022 669 764
2021 748 605
2020 521 279
Prior 4,476 5,187
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 195
Total Loans 6,414 7,401
Consumer mortgage | FICO CDE    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 149,886 148,496
2023 141,109 153,214
2022 141,939 167,316
2021 153,252 104,632
2020 95,873 73,495
Prior 364,799 345,040
Revolving Loans Amortized Cost Basis 33,678 39,997
Revolving Loans Converted to Term 44,258 31,158
Total Loans 1,124,794 1,063,348
Consumer mortgage | FICO CDE | Performing    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 149,322 148,443
2023 139,294 150,585
2022 138,007 164,839
2021 151,769 103,003
2020 93,797 71,710
Prior 352,517 331,839
Revolving Loans Amortized Cost Basis 33,678 39,630
Revolving Loans Converted to Term 43,147 30,098
Total Loans 1,101,531 1,040,147
Consumer mortgage | FICO CDE | Nonperforming    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 564 53
2023 1,815 2,629
2022 3,932 2,477
2021 1,483 1,629
2020 2,076 1,785
Prior 12,282 13,201
Revolving Loans Amortized Cost Basis 0 367
Revolving Loans Converted to Term 1,111 1,060
Total Loans 23,263 23,201
Consumer indirect    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 656,402 681,908
2023 492,653 573,242
2022 381,105 273,136
2021 154,118 71,470
2020 32,846 45,222
Prior 50,531 58,462
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total Loans 1,767,655 1,703,440
Year One writeoff 1,468 926
Year Two writeoff 3,039 3,595
Year Three writeoff 3,789 1,969
Year Four writeoff 1,592 1,171
Year Five writeoff 499 570
Prior 1,220 1,121
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total Loans 11,607 9,352
Consumer indirect | Performing    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 656,284 681,824
2023 492,192 572,799
2022 380,652 273,035
2021 153,977 71,428
2020 32,812 45,203
Prior 50,511 58,375
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total Loans 1,766,428 1,702,664
Consumer indirect | Nonperforming    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 118 84
2023 461 443
2022 453 101
2021 141 42
2020 34 19
Prior 20 87
Revolving Loans Amortized Cost Basis 0 0
Revolving Loans Converted to Term 0 0
Total Loans 1,227 776
Consumer direct    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 84,136 80,202
2023 49,147 52,867
2022 30,426 26,664
2021 12,551 8,282
2020 3,374 4,606
Prior 5,535 5,720
Revolving Loans Amortized Cost Basis 7,158 6,887
Revolving Loans Converted to Term 0 1
Total Loans 192,327 185,229
Year One writeoff 176 206
Year Two writeoff 1,072 813
Year Three writeoff 664 450
Year Four writeoff 389 110
Year Five writeoff 74 110
Prior 118 159
Revolving Loans Amortized Cost Basis 251 161
Revolving Loans Converted to Term 0 0
Total Loans 2,744 2,009
Consumer direct | Performing    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 84,114 80,169
2023 49,126 52,826
2022 30,424 26,617
2021 12,534 8,282
2020 3,374 4,604
Prior 5,527 5,697
Revolving Loans Amortized Cost Basis 7,122 6,875
Revolving Loans Converted to Term 0 1
Total Loans 192,221 185,071
Consumer direct | Nonperforming    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 22 33
2023 21 41
2022 2 47
2021 17 0
2020 0 2
Prior 8 23
Revolving Loans Amortized Cost Basis 36 12
Revolving Loans Converted to Term 0 0
Total Loans 106 158
Home equity    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 68,281 61,065
2023 53,846 62,963
2022 54,979 63,112
2021 53,509 31,347
2020 26,738 25,981
Prior 56,606 45,365
Revolving Loans Amortized Cost Basis 138,298 127,992
Revolving Loans Converted to Term 25,168 28,690
Total Loans 477,425 446,515
Year One writeoff 0 0
Year Two writeoff 0 0
Year Three writeoff 23 0
Year Four writeoff 0 64
Year Five writeoff 8 0
Prior 41 44
Revolving Loans Amortized Cost Basis 92 11
Revolving Loans Converted to Term 0 0
Total Loans 164 119
Home equity | Performing    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 68,249 61,065
2023 53,612 62,801
2022 54,754 63,102
2021 53,466 31,094
2020 26,456 25,721
Prior 56,072 44,832
Revolving Loans Amortized Cost Basis 137,448 126,939
Revolving Loans Converted to Term 24,950 28,177
Total Loans 475,007 443,731
Home equity | Nonperforming    
LOANS AND ALLOWANCE FOR CREDIT LOSSES    
2024 32 0
2023 234 162
2022 225 10
2021 43 253
2020 282 260
Prior 534 533
Revolving Loans Amortized Cost Basis 850 1,053
Revolving Loans Converted to Term 218 513
Total Loans $ 2,418 $ 2,784