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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended | 12 Months Ended
--- | --- | --- | ---
Jun. 30, 2025 | Jun. 30, 2024 | Jun. 30, 2025 | Jun. 30, 2024 | Dec. 31, 2024
Allowance for credit loss - loans |  |  |  |  |
Beginning balance |  |  | $ 79,114 |  |
Charge-offs |  |  | (5,620) |  | $ (3,157)
Ending balance | $ 81,851 | $ 71,400 | 81,851 | $ 71,400 | 79,114
Accrued interest receivable on loans | 36,000 |  | 36,000 |  |
Amounts outstanding | 574,200 |  | 574,200 |  | 610,000
Net loans | 10,437,266 |  | 10,437,266 |  | 10,353,251
Foreclosures in progress | 6,100 |  | 6,100 |  | 6,300
Sale of secondary market eligible residential consumer mortgage loans |  |  | 34,100 | 12,800 |
Liabilities for off-balance-sheet |  |  |  |  |
Beginning balance | 867 | 798 | 1,132 | 913 | 913
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Provision | (8) | 71 | (273) | (44) |
Ending balance | 859 | 869 | 859 | 869 | 1,132
Asset Pledged as Collateral | Borrowings from FHLB and FRB |  |  |  |  |
Allowance for credit loss - loans |  |  |  |  |
Net loans | 6,650,000 |  | 6,650,000 |  | 6,720,000
Consumer mortgage |  |  |  |  |
Allowance for credit loss - loans |  |  |  |  |
Charge-offs |  |  | (23) |  | (384)
Consumer indirect |  |  |  |  |
Allowance for credit loss - loans |  |  |  |  |
Charge-offs |  |  | (6,585) |  | (11,607)
Consumer direct |  |  |  |  |
Allowance for credit loss - loans |  |  |  |  |
Charge-offs |  |  | (1,217) |  | (2,744)
Home equity |  |  |  |  |
Allowance for credit loss - loans |  |  |  |  |
Charge-offs |  |  | (23) |  | (164)
Commercial Portfolio Segment | Business lending |  |  |  |  |
Allowance for credit loss - loans |  |  |  |  |
Beginning balance | 42,988 | 29,371 | 37,201 | 26,854 | 26,854
Charge-offs | (4,897) | (265) | (5,620) | (526) |
Recoveries | 350 | 92 | 449 | 131 |
Provision | 2,713 | 1,930 | 9,124 | 4,669 |
Ending balance | 41,154 | 31,128 | 41,154 | 31,128 | 37,201
Residential Portfolio Segment | Home equity |  |  |  |  |
Allowance for credit loss - loans |  |  |  |  |
Beginning balance | 1,394 | 1,581 | 1,548 | 1,628 | 1,628
Charge-offs | (16) | (34) | (23) | (57) |
Recoveries | 1 | 0 | 1 | 3 |
Provision | 104 | (28) | (43) | (55) |
Ending balance | 1,483 | 1,519 | 1,483 | 1,519 | 1,548
Consumer Portfolio Segment | Consumer mortgage |  |  |  |  |
Allowance for credit loss - loans |  |  |  |  |
Beginning balance | 13,679 | 14,490 | 15,017 | 15,333 | 15,333
Charge-offs | (18) | (64) | (23) | (157) |
Recoveries | 5 | 31 | 11 | 34 |
Provision | 530 | (154) | (809) | (907) |
Ending balance | 14,196 | 14,303 | 14,196 | 14,303 | 15,017
Consumer Portfolio Segment | Consumer indirect |  |  |  |  |
Allowance for credit loss - loans |  |  |  |  |
Beginning balance | 19,746 | 20,294 | 20,895 | 18,585 | 18,585
Charge-offs | (2,620) | (2,609) | (6,585) | (5,669) |
Recoveries | 2,414 | 1,931 | 4,108 | 3,140 |
Provision | 345 | 508 | 1,467 | 4,068 |
Ending balance | 19,885 | 20,124 | 19,885 | 20,124 | 20,895
Consumer Portfolio Segment | Consumer direct |  |  |  |  |
Allowance for credit loss - loans |  |  |  |  |
Beginning balance | 4,033 | 3,355 | 3,453 | 3,269 | 3,269
Charge-offs | (657) | (635) | (1,217) | (1,508) |
Recoveries | 324 | 267 | 556 | 482 |
Provision | 433 | 381 | 1,341 | 1,125 |
Ending balance | 4,133 | 3,368 | 4,133 | 3,368 | 3,453
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 |  |  |  |  |
Allowance for credit loss - loans |  |  |  |  |
Beginning balance | 82,840 | 70,091 | 79,114 | 66,669 | 66,669
Charge-offs | (8,208) | (3,607) | (13,468) | (7,917) |
Recoveries | 3,094 | 2,321 | 5,125 | 3,790 |
Provision | 4,125 | 2,637 | 11,080 | 8,900 |
Ending balance | 81,851 | 71,442 | 81,851 | 71,442 | 79,114
Total allowances for credit losses |  |  |  |  |
Allowance for credit loss |  |  |  |  |
Beginning balance | 83,707 | 70,889 | 80,246 | 67,582 | 67,582
Charge-offs | (8,208) | (3,607) | (13,468) | (7,917) |
Recoveries | 3,094 | 2,321 | 5,125 | 3,790 |
Provision | 4,117 | 2,708 | 10,807 | 8,856 |
Ending balance | $ 82,710 | $ 72,311 | $ 82,710 | $ 72,311 | $ 80,246

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