XML 22 R11.htm IDEA: XBRL DOCUMENT v3.25.3

Loans and Leases Held for Investment

9 Months Ended

Sep. 30, 2025

Receivables [Abstract]

Loans and Leases Held for Investment

LOANS AND LEASES HELD FOR INVESTMENT

Our loans and leases held for investment are carried at the principal amount outstanding, net of deferred fees and costs, and in the case of acquired and purchased loans, net of purchase discounts and premiums. Deferred fees and costs and purchase discounts and premiums on acquired loans are recognized as an adjustment to interest income over the contractual life of the loans primarily using the effective interest method or taken into income when the related loans are paid off or included in the carrying amount of loans that are sold.

The following table summarizes the composition of our loans and leases held for investment as of the dates indicated:

			September 30,						December 31,
			2025						2024
			(In thousands)
Real estate mortgage			$	13,696,540					$	13,605,595
Real estate construction and land (1)			2,165,789						3,187,146
Commercial			8,021,650						6,788,923
Consumer			367,850						402,254
Total gross loans and leases held for investment			24,251,829						23,983,918
Unearned discounts, net (2)			(108,454)						(175,713)
Deferred fees, net			(32,733)						(26,542)
Total loans and leases held for investment			24,110,642						23,781,663
Allowance for loan and lease losses			(240,501)						(239,360)
Total loans and leases held for investment, net (3)			$	23,870,141					$	23,542,303

____________________

(1)    Includes land and acquisition and development loans of $217.7 million and $223.9 million at September 30, 2025 and December 31, 2024.

(2)    Represents net acquisition discounts of $175.0 million and purchase premiums of $66.6 million at September 30, 2025, and net acquisition discounts of $235.2 million and purchase premiums of $59.5 million at December 31, 2024.

(3)    Excludes accrued interest receivable of $99.1 million and $96.8 million at September 30, 2025 and December 31, 2024, respectively, which is recorded in "Other assets" on the condensed consolidated balance sheets.

The following tables present an aging analysis of our loans and leases held for investment by loan portfolio segment and class as of the dates indicated:

			September 30, 2025
			30 - 89						90 or More
			Days						Days						Total
			Past Due						Past Due						Past Due						Current						Total
			(In thousands)
Real estate mortgage:
Commercial			$	3,197					$	51,231					$	54,428					$	4,238,197					$	4,292,625
Multi-family			—						—						—						6,124,673						6,124,673
Other residential			46,026						52,666						98,692						3,063,872						3,162,564
Total real estate mortgage			49,223						103,897						153,120						13,426,742						13,579,862
Real estate construction and land:
Commercial			—						—						—						395,150						395,150
Residential			—						—						—						1,759,676						1,759,676
Total real estate construction and land			—						—						—						2,154,826						2,154,826
Commercial:
Asset-based			—						—						—						2,742,519						2,742,519
Venture capital			—						—						—						1,907,601						1,907,601
Other commercial			4,460						203						4,663						3,351,874						3,356,537
Total commercial			4,460						203						4,663						8,001,994						8,006,657
Consumer			2,733						852						3,585						365,712						369,297
Total			$	56,416					$	104,952					$	161,368					$	23,949,274					$	24,110,642

			December 31, 2024
			30 - 89						90 or More
			Days						Days						Total
			Past Due						Past Due						Past Due						Current						Total
			(In thousands)
Real estate mortgage:
Commercial			$	27,700					$	22,561					$	50,261					$	4,528,511					$	4,578,772
Multi-family			10,346						21,860						32,206						6,009,507						6,041,713
Other residential			39,873						36,976						76,849						2,730,325						2,807,174
Total real estate mortgage			77,919						81,397						159,316						13,268,343						13,427,659
Real estate construction and land:
Commercial			—						—						—						799,131						799,131
Residential			—						—						—						2,373,162						2,373,162
Total real estate construction and land			—						—						—						3,172,293						3,172,293
Commercial:
Asset-based			1,795						—						1,795						2,086,174						2,087,969
Venture capital			5,534						—						5,534						1,532,242						1,537,776
Other commercial			3,295						6,956						10,251						3,142,833						3,153,084
Total commercial			10,624						6,956						17,580						6,761,249						6,778,829
Consumer			2,804						493						3,297						399,585						402,882
Total			$	91,347					$	88,846					$	180,193					$	23,601,470					$	23,781,663

It is our policy to discontinue accruing interest when principal or interest payments are past due 90 days or more (unless the loan is both well secured and in the process of collection) or when, in the opinion of management, there is a reasonable doubt as to the collectability of a loan or lease in the normal course of business. Interest income on nonaccrual loans is recognized only to the extent cash is received and the principal balance of the loan is deemed collectable.

The following table presents our nonaccrual and performing loans and leases held for investment by loan portfolio segment and class as of the dates indicated:

			September 30, 2025																		December 31, 2024
			Nonaccrual						Performing						Total						Nonaccrual						Performing						Total
			(In thousands)
Real estate mortgage:
Commercial			$	99,103					$	4,193,522					$	4,292,625					$	97,655					$	4,481,117					$	4,578,772
Multi-family			841						6,123,832						6,124,673						22,763						6,018,950						6,041,713
Other residential			66,866						3,095,698						3,162,564						46,788						2,760,386						2,807,174
Total real estate mortgage			166,810						13,413,052						13,579,862						167,206						13,260,453						13,427,659
Real estate construction and land:
Commercial			—						395,150						395,150						—						799,131						799,131
Residential			—						1,759,676						1,759,676						—						2,373,162						2,373,162
Total real estate construction and land			—						2,154,826						2,154,826						—						3,172,293						3,172,293
Commercial:
Asset-based			103						2,742,416						2,742,519						1,940						2,086,029						2,087,969
Venture capital			—						1,907,601						1,907,601						6,291						1,531,485						1,537,776
Other commercial			6,676						3,349,861						3,356,537						13,544						3,139,540						3,153,084
Total commercial			6,779						7,999,878						8,006,657						21,775						6,757,054						6,778,829
Consumer			952						368,345						369,297						624						402,258						402,882
Total			$	174,541					$	23,936,101					$	24,110,642					$	189,605					$	23,592,058					$	23,781,663

At September 30, 2025, nonaccrual loans and leases included $105.0 million of loans and leases 90 or more days past due, $11.0 million of loans and leases 30 to 89 days past due, and $58.6 million of loans and leases current with respect to contractual payments that were placed on nonaccrual status based on management’s judgment regarding their collectability. At December 31, 2024, nonaccrual loans and leases included $88.8 million of loans and leases 90 or more days past due, $40.6 million of loans and leases 30 to 89 days past due, and $60.2 million of current loans and leases that were placed on nonaccrual status based on management’s judgment regarding their collectability.

As of September 30, 2025, our three largest loan relationships on nonaccrual status had an aggregate carrying value of $47.0 million and represented 27% of total nonaccrual loans and leases.

The following tables present the credit risk rating categories for loans and leases held for investment by loan portfolio segment and class as of the dates indicated. Classified loans and leases are those with a credit risk rating of either substandard or doubtful.

			September 30, 2025
			Classified						Special Mention						Pass						Total
			(In thousands)
Real estate mortgage:
Commercial			$	298,208					$	109,921					$	3,884,496					$	4,292,625
Multi-family			182,431						153,360						5,788,882						6,124,673
Other residential			66,944						—						3,095,620						3,162,564
Total real estate mortgage			547,583						263,281						12,768,998						13,579,862
Real estate construction and land:
Commercial			—						81,400						313,750						395,150
Residential			2,985						8,276						1,748,415						1,759,676
Total real estate construction and land			2,985						89,676						2,062,165						2,154,826
Commercial:
Asset-based			71,377						7,143						2,663,999						2,742,519
Venture capital			123,392						103,725						1,680,484						1,907,601
Other commercial			16,865						36,466						3,303,206						3,356,537
Total commercial			211,634						147,334						7,647,689						8,006,657
Consumer			1,380						5,688						362,229						369,297
Total			$	763,582					$	505,979					$	22,841,081					$	24,110,642

			December 31, 2024
			Classified						Special Mention						Pass						Total
			(In thousands)
Real estate mortgage:
Commercial			$	301,278					$	348,014					$	3,929,480					$	4,578,772
Multi-family			113,164						202,690						5,725,859						6,041,713
Other residential			47,993						14,351						2,744,830						2,807,174
Total real estate mortgage			462,435						565,055						12,400,169						13,427,659
Real estate construction and land:
Commercial			—						148,024						651,107						799,131
Residential			—						203,220						2,169,942						2,373,162
Total real estate construction and land			—						351,244						2,821,049						3,172,293
Commercial:
Asset-based			5,003						9,547						2,073,419						2,087,969
Venture capital			75,406						125,320						1,337,050						1,537,776
Other commercial			19,949						38,741						3,094,394						3,153,084
Total commercial			100,358						173,608						6,504,863						6,778,829
Consumer			709						7,408						394,765						402,882
Total			$	563,502					$	1,097,315					$	22,120,846					$	23,781,663

The following table presents our nonaccrual loans and leases by loan portfolio segment and class and by with and without an allowance recorded as of the date indicated and interest income recognized on nonaccrual loans and leases for the periods indicated:                 

									Three Months						Nine Months												Three Months						Nine Months
									Ended						Ended												Ended						Ended
			September 30,						September 30,						September 30,						September 30,						September 30,						September 30,
			2025						2025						2025						2024						2024						2024
			Nonaccrual						Interest						Interest						Nonaccrual						Interest						Interest
			Recorded						Income						Income						Recorded						Income						Income
			Investment						Recognized						Recognized						Investment						Recognized						Recognized
			(In thousands)
With An Allowance Recorded:
Real estate mortgage:
Commercial			$	132					$	—					$	—					$	201					$	—					$	—
Multi-family			—						—						—						—						—						—
Other residential			—						—						—						232						—						—
Real estate construction and land:
Commercial			—						—						—						—						—						—
Residential			—						—						—						—						—						—
Commercial:
Asset-based			103						—						—						—						—						—
Venture capital			—						—						—						19,957						—						—
Other commercial			1,696						—						—						6,950						—						—
Consumer			621						—						—						519						—						—
With No Related Allowance
Recorded:
Real estate mortgage:
Commercial			$	98,971					$	3					$	9					$	78,277					$	3					$	10
Multi-family			841						—						—						916						—						—
Other residential			66,866						—						—						50,282						—						—
Real estate construction and land:
Commercial			—						—						—						—						—						—
Residential			—						—						—						—						—						—
Commercial:
Asset-based			—						—						—						2,295						—						—
Venture capital			—						—						—						—						—						—
Other commercial			4,980						—						—						8,712						—						—
Consumer			331						—						—						—						—						—
Total Loans and Leases With and
Without an Allowance Recorded:
Real estate mortgage			$	166,810					$	3					$	9					$	129,908					$	3					$	10
Real estate construction and land			—						—						—						—						—						—
Commercial			6,779						—						—						37,914						—						—
Consumer			952						—						—						519						—						—
Total			$	174,541					$	3					$	9					$	168,341					$	3					$	10

The following tables present our loans held for investment by loan portfolio segment and class, by credit quality indicator (internal risk ratings), and by year of origination (vintage year) as of the dates indicated:

																																													Revolving
																																													Converted
Amortized Cost Basis (1)			Term Loans by Origination Year																																				Revolving						to Term
September 30, 2025			2025						2024						2023						2022						2021						Prior						Loans						Loans						Total
			(In thousands)
Real Estate Mortgage:
Commercial
Internal risk rating:
1-2 High pass			$	—					$	185					$	2,801					$	22,049					$	28,275					$	100,144					$	—					$	—					$	153,454
3-4.5 Pass			302,297						184,125						123,521						790,669						645,613						1,615,505						63,897						5,415						3,731,042
5 Special mention			—						9,958						—						22,241						29,638						25,049						—						23,035						109,921
6-8 Classified			—						13,949						27,531						58,203						55,259						143,266						—						—						298,208
Total			$	302,297					$	208,217					$	153,853					$	893,162					$	758,785					$	1,883,964					$	63,897					$	28,450					$	4,292,625
Current YTD period:
Gross charge-offs			$	—					$	—					$	51					$	731					$	613					$	16,650					$	—					$	—					$	18,045
Real Estate Mortgage:
Multi-family
Internal risk rating:
1-2 High pass			$	—					$	—					$	—					$	54,729					$	175,810					$	147,678					$	—					$	—					$	378,217
3-4.5 Pass			319,440						160,618						56,158						2,157,112						1,143,518						1,563,712						10,107						—						5,410,665
5 Special mention			10,495						—						3,807						99,644						21,911						17,503						—						—						153,360
6-8 Classified			—						19,977						—						64,973						28,358						69,123						—						—						182,431
Total			$	329,935					$	180,595					$	59,965					$	2,376,458					$	1,369,597					$	1,798,016					$	10,107					$	—					$	6,124,673
Current YTD period:
Gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	3,275					$	—					$	—					$	3,275
Real Estate Mortgage:
Other residential
Internal risk rating:
1-2 High pass			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
3-4.5 Pass			521,387						29,086						22,128						278,636						2,058,439						95,965						89,979						—						3,095,620
5 Special mention			—						—						—						—						—						—						—						—						—
6-8 Classified			1,735						—						967						37,949						25,439						854						—						—						66,944
Total			$	523,122					$	29,086					$	23,095					$	316,585					$	2,083,878					$	96,819					$	89,979					$	—					$	3,162,564
Current YTD period:
Gross charge-offs			$	—					$	—					$	97					$	2,176					$	731					$	—					$	—					$	—					$	3,004

____________________

(1)    Amounts with negative balances are loans with zero principal balances and deferred loan origination fees.

																																													Revolving
																																													Converted
Amortized Cost Basis (1)			Term Loans by Origination Year																																				Revolving						to Term
September 30, 2025			2025						2024						2023						2022						2021						Prior						Loans						Loans						Total
			(In thousands)
Real Estate Construction
and Land: Commercial
Internal risk rating:
1-2 High pass			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
3-4.5 Pass			99,130						46,768						59,802						44,290						37,163						26,597						—						—						313,750
5 Special mention			—						—						—						50,345						31,055						—						—						—						81,400
6-8 Classified			—						—						—						—						—						—						—						—						—
Total			$	99,130					$	46,768					$	59,802					$	94,635					$	68,218					$	26,597					$	—					$	—					$	395,150
Current YTD period:
Gross charge-offs			$	—					$	—					$	—					$	20,196					$	1,340					$	—					$	—					$	—					$	21,536
Real Estate Construction
and Land: Residential
Internal risk rating:
1-2 High pass			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
3-4.5 Pass			65,735						155,852						189,285						903,353						271,324						78,873						83,993						—						1,748,415
5 Special mention			—						—						—						4,251						4,025						—						—						—						8,276
6-8 Classified			—						—						—						—						2,985						—						—						—						2,985
Total			$	65,735					$	155,852					$	189,285					$	907,604					$	278,334					$	78,873					$	83,993					$	—					$	1,759,676
Current YTD period:
Gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial: Asset-Based
Internal risk rating:
1-2 High pass			$	13,033					$	32,057					$	25,235					$	125,841					$	190,815					$	206,364					$	175,059					$	—					$	768,404
3-4.5 Pass			284,450						43,676						80,792						150,396						77,076						9,182						1,250,023						—						1,895,595
5 Special mention			—						—						—						—						—						—						7,143						—						7,143
6-8 Classified			—						—						194						5,565						37,977						—						27,641						—						71,377
Total			$	297,483					$	75,733					$	106,221					$	281,802					$	305,868					$	215,546					$	1,459,866					$	—					$	2,742,519
Current YTD period:
Gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial: Venture
Capital
Internal risk rating:
1-2 High pass			$	(278)					$	(89)					$	(62)					$	—					$	414					$	—					$	80,610					$	22,134					$	102,729
3-4.5 Pass			89,864						94,937						96,894						19,432						37,674						17,708						1,142,538						78,708						1,577,755
5 Special mention			—						33,806						12,831						19,930						18,739						—						18,419						—						103,725
6-8 Classified			1,617						14,893						14,340						24,062						13,281						—						41,194						14,005						123,392
Total			$	91,203					$	143,547					$	124,003					$	63,424					$	70,108					$	17,708					$	1,282,761					$	114,847					$	1,907,601
Current YTD period:
Gross charge-offs			$	—					$	—					$	—					$	—					$	5,257					$	—					$	—					$	—					$	5,257

____________________

(1)    Amounts with negative balances are loans with zero principal balances and deferred loan origination fees.

																																													Revolving
																																													Converted
Amortized Cost Basis (1)			Term Loans by Origination Year																																				Revolving						to Term
September 30, 2025			2025						2024						2023						2022						2021						Prior						Loans						Loans						Total
			(In thousands)
Commercial: Other
Commercial
Internal risk rating:
1-2 High pass			$	246					$	942					$	191					$	20,315					$	1,276					$	(14)					$	56,188					$	(1)					$	79,143
3-4.5 Pass			191,980						52,235						63,375						54,606						173,239						149,507						2,506,584						32,537						3,224,063
5 Special mention			—						—						9,498						5,587						10,197						180						10,212						792						36,466
6-8 Classified			—						3,051						—						3,046						79						1,642						7,706						1,341						16,865
Total			$	192,226					$	56,228					$	73,064					$	83,554					$	184,791					$	151,315					$	2,580,690					$	34,669					$	3,356,537
Current YTD period:
Gross charge-offs			$	—					$	—					$	1,394					$	727					$	228					$	2,021					$	11,177					$	423					$	15,970
Consumer
Internal risk rating:
1-2 High pass			$	—					$	—					$	—					$	15					$	9					$	—					$	719					$	—					$	743
3-4.5 Pass			20,800						26,679						14,478						52,400						155,605						84,812						6,569						143						361,486
5 Special mention			—						—						—						1,437						3,474						777						—						—						5,688
6-8 Classified			—						—						—						484						175						716						—						5						1,380
Total			$	20,800					$	26,679					$	14,478					$	54,336					$	159,263					$	86,305					$	7,288					$	148					$	369,297
Current YTD period:
Gross charge-offs			$	—					$	—					$	—					$	609					$	1,156					$	1,110					$	1					$	1					$	2,877
Total Loans and Leases
Internal risk rating:
1-2 High pass			$	13,001					$	33,095					$	28,165					$	222,949					$	396,599					$	454,172					$	312,576					$	22,133					$	1,482,690
3-4.5 Pass			1,895,083						793,976						706,433						4,450,894						4,599,651						3,641,861						5,153,690						116,803						21,358,391
5 Special mention			10,495						43,764						26,136						203,435						119,039						43,509						35,774						23,827						505,979
6-8 Classified			3,352						51,870						43,032						194,282						163,553						215,601						76,541						15,351						763,582
Total			$	1,921,931					$	922,705					$	803,766					$	5,071,560					$	5,278,842					$	4,355,143					$	5,578,581					$	178,114					$	24,110,642
Current YTD period:
Gross charge-offs			$	—					$	—					$	1,542					$	24,439					$	9,325					$	23,056					$	11,178					$	424					$	69,964

______________________

(1)    Amounts with negative balances are loans with zero principal balances and deferred loan origination fees.

																																													Revolving
																																													Converted
Amortized Cost Basis (1)			Term Loans by Origination Year																																				Revolving						to Term
December 31, 2024			2024						2023						2022						2021						2020						Prior						Loans						Loans						Total
			(In thousands)
Real Estate Mortgage:
Commercial
Internal risk rating:
1-2 High pass			$	1,694					$	—					$	26,166					$	22,821					$	8,089					$	78,588					$	1					$	—					$	137,359
3-4.5 Pass			232,808						132,389						800,877						682,806						450,822						1,407,314						56,481						28,624						3,792,121
5 Special mention			—						23,844						123,589						24,364						—						176,217						—						—						348,014
6-8 Classified			13,587						1,765						27,579						68,488						20,853						169,006						—						—						301,278
Total			$	248,089					$	157,998					$	978,211					$	798,479					$	479,764					$	1,831,125					$	56,482					$	28,624					$	4,578,772
Current YTD period:
Gross charge-offs			$	—					$	—					$	175					$	12,217					$	9,714					$	1,481					$	—					$	—					$	23,587
Real Estate Mortgage:
Multi-family
Internal risk rating:
1-2 High pass			$	—					$	—					$	55,847					$	214,583					$	62,942					$	129,163					$	—					$	—					$	462,535
3-4.5 Pass			223,333						60,137						2,037,864						1,154,452						451,602						1,324,816						11,120						—						5,263,324
5 Special mention			—						—						112,963						35,065						—						40,262						—						14,400						202,690
6-8 Classified			—						—						40,018						33,877						4,751						34,518						—						—						113,164
Total			$	223,333					$	60,137					$	2,246,692					$	1,437,977					$	519,295					$	1,528,759					$	11,120					$	14,400					$	6,041,713
Current YTD period:
Gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Real Estate Mortgage:
Other residential
Internal risk rating:
1-2 High pass			$	—					$	—					$	—					$	—					$	—					$	—					$	3,510					$	—					$	3,510
3-4.5 Pass			(562)						31,318						336,719						2,235,006						53,094						43,510						42,158						77						2,741,320
5 Special mention			—						310						8,121						5,644						—						276						—						—						14,351
6-8 Classified			—						3,571						25,616						17,189						—						1,448						169						—						47,993
Total			$	(562)					$	35,199					$	370,456					$	2,257,839					$	53,094					$	45,234					$	45,837					$	77					$	2,807,174
Current YTD period:
Gross charge-offs			$	—					$	3,445					$	29,099					$	6,394					$	350					$	67					$	175					$	—					$	39,530

____________________

(1)    Amounts with negative balances are loans with zero principal balances and deferred loan origination fees.

																																													Revolving
																																													Converted
Amortized Cost Basis (1)			Term Loans by Origination Year																																				Revolving						to Term
December 31, 2024			2024						2023						2022						2021						2020						Prior						Loans						Loans						Total
			(In thousands)
Real Estate Construction
and Land: Commercial
Internal risk rating:
1-2 High pass			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
3-4.5 Pass			29,674						47,183						404,732						115,729						45,576						8,213						—						—						651,107
5 Special mention			10,501						—						—						111,933						—						—						25,590						—						148,024
6-8 Classified			—						—						—						—						—						—						—						—						—
Total			$	40,175					$	47,183					$	404,732					$	227,662					$	45,576					$	8,213					$	25,590					$	—					$	799,131
Current YTD period:
Gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Real Estate Construction
and Land: Residential
Internal risk rating:
1-2 High pass			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
3-4.5 Pass			97,488						194,405						1,113,955						436,335						224,511						—						103,248						—						2,169,942
5 Special mention			—						—						143,136						60,084						—						—						—						—						203,220
6-8 Classified			—						—						—						—						—						—						—						—						—
Total			$	97,488					$	194,405					$	1,257,091					$	496,419					$	224,511					$	—					$	103,248					$	—					$	2,373,162
Current YTD period:
Gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial: Asset-Based
Internal risk rating:
1-2 High pass			$	39,542					$	37,081					$	163,918					$	222,942					$	15,730					$	251,167					$	195,994					$	—					$	926,374
3-4.5 Pass			100,098						88,514						180,433						68,372						9,653						34,331						618,036						47,608						1,147,045
5 Special mention			—						194						5,569						—						—						—						3,784						—						9,547
6-8 Classified			—						—						—						—						—						—						5,003						—						5,003
Total			$	139,640					$	125,789					$	349,920					$	291,314					$	25,383					$	285,498					$	822,817					$	47,608					$	2,087,969
Current YTD period:
Gross charge-offs			$	—					$	—					$	—					$	—					$	92					$	—					$	—					$	—					$	92
Commercial: Venture
Capital
Internal risk rating:
1-2 High pass			$	(92)					$	(100)					$	—					$	414					$	2,101					$	—					$	72,745					$	23,426					$	98,494
3-4.5 Pass			100,854						104,022						79,659						76,224						3,784						17,749						777,199						79,065						1,238,556
5 Special mention			1,396						56,973						(1)						29,973						—						—						36,979						—						125,320
6-8 Classified			14,895						—						12,821						20,182						—						—						27,508						—						75,406
Total			$	117,053					$	160,895					$	92,479					$	126,793					$	5,885					$	17,749					$	914,431					$	102,491					$	1,537,776
Current YTD period:
Gross charge-offs			$	—					$	2,272					$	—					$	14,000					$	—					$	2					$	140					$	—					$	16,414

____________________

(1)    Amounts with negative balances are loans with zero principal balances and deferred loan origination fees.

																																													Revolving
																																													Converted
Amortized Cost Basis (1)			Term Loans by Origination Year																																				Revolving						to Term
December 31, 2024			2024						2023						2022						2021						2020						Prior						Loans						Loans						Total
			(In thousands)
Commercial: Other
Commercial
Internal risk rating:
1-2 High pass			$	685					$	241					$	20,873					$	3,360					$	10					$	(83)					$	73,596					$	—					$	98,682
3-4.5 Pass			66,097						98,878						117,846						199,252						39,244						160,030						2,252,507						61,858						2,995,712
5 Special mention			6,462						8,912						2,880						144						—						127						20,073						143						38,741
6-8 Classified			—						1,397						1,243						2,365						—						5,836						8,234						874						19,949
Total			$	73,244					$	109,428					$	142,842					$	205,121					$	39,254					$	165,910					$	2,354,410					$	62,875					$	3,153,084
Current YTD period:
Gross charge-offs			$	—					$	—					$	1,144					$	500					$	1,696					$	3,159					$	2,712					$	605					$	9,816
Consumer
Internal risk rating:
1-2 High pass			$	—					$	—					$	20					$	15					$	1					$	—					$	932					$	—					$	968
3-4.5 Pass			31,034						19,181						59,594						176,189						18,658						82,678						6,231						232						393,797
5 Special mention			—						—						1,327						4,179						142						1,760						—						—						7,408
6-8 Classified			—						—						32						283						34						350						—						10						709
Total			$	31,034					$	19,181					$	60,973					$	180,666					$	18,835					$	84,788					$	7,163					$	242					$	402,882
Current YTD period:
Gross charge-offs			$	—					$	198					$	790					$	2,733					$	352					$	1,427					$	4					$	—					$	5,504
Total Loans and Leases
Internal risk rating:
1-2 High pass			$	41,829					$	37,222					$	266,824					$	464,135					$	88,873					$	458,835					$	346,778					$	23,426					$	1,727,922
3-4.5 Pass			880,824						776,027						5,131,679						5,144,365						1,296,944						3,078,641						3,866,980						217,464						20,392,924
5 Special mention			18,359						90,233						397,584						271,386						142						218,642						86,426						14,543						1,097,315
6-8 Classified			28,482						6,733						107,309						142,384						25,638						211,158						40,914						884						563,502
Total			$	969,494					$	910,215					$	5,903,396					$	6,022,270					$	1,411,597					$	3,967,276					$	4,341,098					$	256,317					$	23,781,663
Current YTD period:
Gross charge-offs			$	—					$	5,915					$	31,208					$	35,844					$	12,204					$	6,136					$	3,031					$	605					$	94,943

____________________

(1)    Amounts with negative balances are loans with zero principal balances and deferred loan origination fees.

Loan Modifications

The following tables present our loan modifications made to borrowers experiencing financial difficulty by type of modification for the periods indicated with related amortized cost balances as of the dates indicated:

			Three Months Ended September 30, 2025
			Loan Modifications
			Balances (Amortized Cost Basis) at
			September 30, 2025
																											Interest Rate																		Total Loan
			Term Extension												Payment Delay												Reduction																		Modifications
									% of												% of												% of																								% of
									Loan												Loan												Loan																								Loan
									Portfolio												Portfolio												Portfolio																								Portfolio
			Balance						Class						Balance						Class						Balance						Class																		Balance						Class
			(Dollars in thousands)
Real estate mortgage:
Commercial			$	115,256					2.7		%				$	—					—		%				$	3,349					0.1		%																$	118,605					2.8		%
Multi-family			67,446						1.1		%				—						—		%				—						—		%																67,446						1.1		%
Other residential			1,445						—		%				—						—		%				—						—		%																1,445						—		%
Real estate construction and land:
Residential			2,985						0.2		%				—						—		%				—						—		%																2,985						0.2		%
Commercial:
Asset-based			37,977						1.4		%				—						—		%				—						—		%																37,977						1.4		%
Venture capital			38,599						2.0		%				14,893						0.8		%				—						—		%																53,492						2.8		%
Other commercial			179						—		%				—						—		%				—						—		%																179						—		%
Total			$	263,887											$	14,893											$	3,349																							$	282,129

			Nine Months Ended September 30, 2025
			Loan Modifications
			Balances (Amortized Cost Basis) at
			September 30, 2025
																																							Combination - Term
																											Interest Rate												Extension and
			Term Extension												Payment Delay												Reduction												Rate Reduction
									% of												% of												% of												% of
									Loan												Loan												Loan												Loan
									Portfolio												Portfolio												Portfolio												Portfolio
			Balance						Class						Balance						Class						Balance						Class						Balance						Class
			(Dollars in thousands)
Real estate mortgage:
Commercial			$	115,256					2.7		%				$	3,582					0.1		%				$	5,933					0.1		%				$	—					—		%
Multi-family			67,446						1.1		%				—						—		%				—						—		%				—						—		%
Other residential			2,417						0.1		%				2,197						0.1		%				—						—		%				—						—		%
Real estate construction and land:
Residential			2,985						0.2		%				—						—		%				—						—		%				—						—		%
Commercial:
Asset-based			62,510						2.3		%				—						—		%				—						—		%				—						—		%
Venture capital			45,995						2.4		%				14,893						0.8		%				—						—		%				—						—		%
Other commercial			4,358						0.1		%				—						—		%				—						—		%				532						—		%
Consumer			5						—		%				—						—		%				—						—		%				—						—		%
Total			$	300,972											$	20,672											$	5,933											$	532

			Nine Months Ended September 30, 2025
			Loan Modifications (continued)
			Balances (Amortized Cost Basis) at
			September 30, 2025
			Combination - Term												Combination - Term
			Extension,												Extension,
			Rate Reduction												and Principal												Total Loan
			and Payment Delay												Forgiveness												Modifications
									% of												% of												% of
									Loan												Loan												Loan
									Portfolio												Portfolio												Portfolio
			Balance						Class						Balance						Class						Balance						Class
			(Dollars in thousands)
Real estate mortgage:
Commercial			$	—					—		%				$	—					—		%				$	124,771					2.9		%
Multi-family			—						—		%				—						—		%				67,446						1.1		%
Other residential			—						—		%				—						—		%				4,614						0.1		%
Real estate construction and land:
Residential			—						—		%				—						—		%				2,985						0.2		%
Commercial:
Asset-based			—						—		%				—						—		%				62,510						2.3		%
Venture capital			—						—		%				—						—		%				60,888						3.2		%
Other commercial			136						—		%				4						—		%				5,030						0.1		%
Consumer			—						—		%				—						—		%				5						—		%
Total			$	136											$	4											$	328,249

			Three Months Ended September 30, 2024
			Loan Modifications
			Balances (Amortized Cost Basis) at
			September 30, 2024
																																	Combination - Term
																																	Extension and												Total Loan
			Term Extension												Payment Delay																		Payment Delay												Modifications
									% of												% of																								% of												% of
									Loan												Loan																								Loan												Loan
									Portfolio												Portfolio																								Portfolio												Portfolio
			Balance						Class						Balance						Class																		Balance						Class						Balance						Class
			(Dollars in thousands)
Real estate mortgage:
Commercial			$	93,551					2.1		%				$	45,957					1.0		%																$	—					—		%				$	139,508					3.1		%
Other residential			1,528						0.1		%				—						—		%																—						—		%				1,528						0.1		%
Commercial:
Asset-based			2,195						0.1		%				—						—		%																—						—		%				2,195						0.1		%
Venture capital			—						—		%				—						—		%																13,156						1.0		%				13,156						1.0		%
Other commercial			2,141						0.1		%				—						—		%																—						—		%				2,141						0.1		%
Total			$	99,415											$	45,957																							$	13,156											$	158,528

			Nine Months Ended September 30, 2024
			Loan Modifications
			Balances (Amortized Cost Basis) at
			September 30, 2024
																											Combination - Term												Combination - Term
																											Extension and												Extension and												Total Loan
			Term Extension												Payment Delay												Principal Forgiveness												Payment Delay												Modifications
									% of												% of												% of												% of												% of
									Loan												Loan												Loan												Loan												Loan
									Portfolio												Portfolio												Portfolio												Portfolio												Portfolio
			Balance						Class						Balance						Class						Balance						Class						Balance						Class						Balance						Class
			(Dollars in thousands)
Real estate mortgage:
Commercial			$	94,690					2.1		%				$	60,117					1.3		%				$	13,500					0.3		%				$	—					—		%				$	168,307					3.7		%
Other residential			5,092						0.2		%				—						—		%				—						—		%				—						—		%				5,092						0.2		%
Commercial:
Asset-based			2,195						0.1		%				—						—		%				—						—		%				—						—		%				2,195						0.1		%
Venture capital			—						—		%				—						—		%				—						—		%				13,156						1.0		%				13,156						1.0		%
Other commercial			2,386						0.1		%				—						—		%				—						—		%				45						—		%				2,431						0.1		%
Consumer			11						—		%				—						—		%				—						—		%				—						—		%				11						—		%
Total			$	104,374											$	60,117											$	13,500											$	13,201											$	191,192

The following tables present the financial effect of our loan modifications made to borrowers experiencing financial difficulty by type of modification for the periods indicated:

Three Months Ended September 30, 2025

Term Extension - Financial Effect

Real estate mortgage:

Commercial

Extended maturity by a weighted average 16 months.

Multi-family

Extended maturity by a weighted average 12 months.

Other residential

Extended maturity by a weighted average 9 months.

Real estate construction and land:

Residential

Extended maturity by a weighted average 9 months.

Commercial:

Asset-based

Extended maturity by a weighted average 6 months.

Venture capital

Extended maturity by a weighted average 7 months.

Other commercial

Extended maturity by a weighted average 60 months.

Three Months Ended September 30, 2025

Payment Delay - Financial Effect

Commercial:

Venture capital

Granted payment deferrals for a weighted average of 3 months.

			Three Months Ended September 30, 2025
			Interest Rate Reduction - Financial Effect
Real estate mortgage:
Commercial			Reduced interest rates by a weighted average 3.15% for a weighted average period of 20 months.

Nine Months Ended September 30, 2025

Term Extension - Financial Effect

Real estate mortgage:

Commercial

Extended maturity by a weighted average 16 months.

Multi-family

Extended maturity by a weighted average 12 months.

Other residential

Extended maturity by a weighted average 9 months.

Real estate construction and land:

Residential

Extended maturity by a weighted average 9 months.

Commercial:

Asset-based

Extended maturity by a weighted average 22 months.

Venture capital

Extended maturity by a weighted average 8 months.

Other commercial

Extended maturity by a weighted average 18 months.

Consumer

Extended maturity by a weighted average 24 months.

Nine Months Ended September 30, 2025

Payment Delay - Financial Effect

Real estate mortgage:

Commercial

Granted payment deferrals for a weighted average of 4 months.

Other residential

Granted payment deferrals for a weighted average of 3 months.

Commercial:

Venture capital

Granted payment deferrals for a weighted average of 3 months.

			Nine Months Ended September 30, 2025
			Interest Rate Reduction - Financial Effect
Real estate mortgage:
Commercial			Reduced interest rates by a weighted average 3.21% for a weighted average period of 17 months.

Nine Months Ended September 30, 2025

Combination - Term Extension and Rate Reduction - Financial Effect

Commercial:

Other commercial

Extended maturity by a weighted average 4.6 years and reduced interest rates by a weighted average 1.93%.

Nine Months Ended September 30, 2025

Term Extension, Rate Reduction and Payment Delay - Financial Effect

Commercial:

Other commercial

Extended maturity by a weighted average 5.1 years, reduced interest rates by a weighted average 5.75%, and granted payment deferrals for a weighted average of 3 months.

Nine Months Ended September 30, 2025

Combination - Term Extension and Principal Forgiveness - Financial Effect

Commercial:

Other commercial

Extended maturity by a weighted average 2.9 years and forgave principal balances totaling $64,000.

Three Months Ended September 30, 2024

Term Extension - Financial Effect

Real estate mortgage:

Commercial

Extended maturity by a weighted average 15 months.

Other residential

Extended maturity by a weighted average 8 months.

Commercial:

Asset-based

Extended maturity by a weighted average 4 months.

Other commercial

Extended maturity by a weighted average 14 months.

						Three Months Ended September 30, 2024
						Payment Delay - Financial Effect
Real estate mortgage:
Commercial						Deferred partial payments by a weighted average 24 months.

Three Months Ended September 30, 2024

Combination - Term Extension and Payment Delay - Financial Effect

Commercial:

Venture capital

Extended maturity by a weighted average 3 months and granted 3 months of payment deferrals.

Nine Months Ended September 30, 2024

Term Extension - Financial Effect

Real estate mortgage:

Commercial

Extended maturity by a weighted average 15 months.

Other residential

Extended maturity by a weighted average 10 months.

Commercial:

Asset-based

Extended maturity by a weighted average 4 months.

Other commercial

Extended maturity by a weighted average 15 months.

Consumer

Extended maturity by a weighted average 12 months.

						Nine Months Ended September 30, 2024
						Payment Delay - Financial Effect
Real estate mortgage:
Commercial						Deferred partial payments by a weighted average 20 months.

			Nine Months Ended September 30, 2024
			Combination - Term Extension and Principal Forgiveness - Financial Effect
Real estate mortgage:
Commercial			Extended maturity by a weighted average 3 years and granted principal forgiveness totaling $4.0 million.

Nine Months Ended September 30, 2024

Combination - Term Extension and Payment Delay - Financial Effect

Commercial:

Venture capital

Extended maturity by a weighted average 3 months and granted 3 months of payment deferrals.

Other commercial

Extended maturity by a weighted average 10 years and granted 4 months of payment deferrals.

The following tables present the payment status of loans that were modified during the preceding 12-month period, with related amortized cost balances, as of the dates indicated:

			Payment Status (Amortized Cost Basis) at
			September 30, 2025
									30-89 Days						90 or More Days
			Current						Past Due						Past Due						Total
			(In thousands)
Real estate mortgage:
Commercial			$	142,746					$	—					$	—					$	142,746
Multi-family			67,446						—						—						67,446
Other residential			2,104						971						2,197						5,272
Real estate construction and land:
Residential			2,985						—						—						2,985
Commercial:
Asset-based			62,510						—						—						62,510
Venture capital			66,617						—						—						66,617
Other commercial			1,799						3,518						—						5,317
Consumer			5						—						—						5
Total			$	346,212					$	4,489					$	2,197					$	352,898

			Payment Status (Amortized Cost Basis) at
			September 30, 2024
									30-89 Days						90 or More Days
			Current						Past Due						Past Due						Total
			(In thousands)
Real estate mortgage:
Commercial			$	154,206					$	14,160					$	—					$	168,366
Other residential			3,112						91						3,986						7,189
Commercial:
Asset-based			2,195						—						—						2,195
Venture capital			13,156						—						—						13,156
Other commercial			672						3,161						—						3,833
Consumer			11						—						—						11
Total			$	173,352					$	17,412					$	3,986					$	194,750

The following tables present information on loans that defaulted during the periods indicated, which had been modified during the preceding 12-month period, with related amortized cost balances as of the dates indicated:

			Three Months Ended
			September 30, 2025
			Modified Loans That Subsequently Defaulted
			Amortized Cost Basis at
			September 30, 2025
									Combination - Term
									Extension and
			Term Extension						Rate Reduction						Total
			(In thousands)
Real estate mortgage:
Other residential			$	971					$	—					$	971
Commercial:
Other commercial			3,525						73						3,598
Total			$	4,496					$	73					$	4,569

			Nine Months Ended
			September 30, 2025
			Modified Loans That Subsequently Defaulted
			Amortized Cost Basis at
			September 30, 2025
			(In thousands)												Combination - Term
															Extension and
			Term Extension						Payment Delay						Rate Reduction						Total
Real estate mortgage:
Other residential			$	971					$	2,197					$	—					$	3,168
Commercial:
Other commercial			3,525						—						73						3,598
Total			$	4,496					$	2,197					$	73					$	6,766

			Three Months Ended September 30, 2024																		Nine Months Ended September 30, 2024
			Modified Loans That Subsequently Defaulted																		Modified Loans That Subsequently Defaulted
			Amortized Cost Basis at																		Amortized Cost Basis at
			September 30, 2024																		September 30, 2024
			Term Extension						Payment Delay						Total						Term Extension						Payment Delay						Total
			(In thousands)
Real estate mortgage:
Commercial			$	—					$	14,160					$	14,160					$	—					$	14,160					$	14,160
Other residential			556						—						556						4,077						—						4,077
Total			$	556					$	14,160					$	14,716					$	4,077					$	14,160					$	18,237

Leases Receivable

We provide equipment financing to our customers primarily with operating and direct financing leases. For direct financing leases, lease receivables are recorded on the balance sheet, but the leased equipment is not, although we generally retain legal title to the leased equipment until the end of each lease. Direct financing leases are stated at the net amount of minimum lease payments receivable, plus any unguaranteed residual value, less the amount of unearned income and net acquisition discount at the reporting date. Direct lease origination costs are amortized using the effective interest method over the life of the leases. Direct financing leases are subject to our accounting for ALLL. See Note 7. Leases for information regarding operating leases where we are the lessor.

The following table provides the components of leases receivable income for the periods indicated:

			Three Months Ended												Nine Months Ended
			September 30,												September 30,
			2025						2024						2025						2024
			(In thousands)
Component of leases receivable income:
Interest income on net investments in leases			$	3,454					$	4,711					$	11,199					$	14,323

The following table presents the components of leases receivable as of the dates indicated:

			September 30, 2025						December 31, 2024
			(In thousands)
Net Investment in Direct Financing Leases:
Lease payments receivable			$	141,372					$	202,815
Unguaranteed residual assets			20,424						22,489
Deferred costs and other			1,309						1,955
Aggregate net investment in leases			$	163,105					$	227,259

The following table presents maturities of leases receivable as of the date indicated:

			September 30, 2025
			(In thousands)
Period ending December 31,
2025			$	14,550
2026			54,062
2027			39,116
2028			25,703
2029			18,693
Thereafter			4,240
Total undiscounted cash flows			156,364
Less: Unearned income			(14,992)
Present value of lease payments			$	141,372

Allowance for Loan and Lease Losses

The following tables present a summary of the activity in the ALLL on loans and leases held for investment by loan portfolio segment for the periods indicated:

			Three Months Ended September 30, 2025
									Real Estate
			Real Estate						Construction
			Mortgage						and Land						Commercial						Consumer						Total
			(In thousands)
Allowance for Loan and Lease Losses:
Balance, beginning of period			$	134,945					$	7,063					$	73,330					$	14,006					$	229,344
Charge-offs			(2,455)						—						(3,052)						(958)						(6,465)
Recoveries			1,602						1,370						5,833						117						8,922
Net (charge-offs) recoveries			(853)						1,370						2,781						(841)						2,457
Provision			3,456						205						4,746						293						8,700
Balance, end of period			$	137,548					$	8,638					$	80,857					$	13,458					$	240,501
			Nine Months Ended September 30, 2025
									Real Estate
			Real Estate						Construction
			Mortgage						and Land						Commercial						Consumer						Total
			(In thousands)
Allowance for Loan and Lease Losses:
Balance, beginning of period			$	145,754					$	10,940					$	67,833					$	14,833					$	239,360
Charge-offs			(24,324)						(21,536)						(21,227)						(2,877)						(69,964)
Recoveries			2,212						1,370						10,224						319						14,125
Net charge-offs			(22,112)						(20,166)						(11,003)						(2,558)						(55,839)
Provision			13,906						17,864						24,027						1,183						56,980
Balance, end of period			$	137,548					$	8,638					$	80,857					$	13,458					$	240,501
Ending Allowance by
Evaluation Methodology:
Individually evaluated			$	—					$	—					$	—					$	—					$	—
Collectively evaluated			$	137,548					$	8,638					$	80,857					$	13,458					$	240,501
Ending Loans and Leases by
Evaluation Methodology:
Individually evaluated			$	166,678					$	—					$	4,981					$	331					$	171,990
Collectively evaluated			13,413,184						2,154,826						8,001,676						368,966						23,938,652
Ending balance			$	13,579,862					$	2,154,826					$	8,006,657					$	369,297					$	24,110,642

			Three Months Ended September 30, 2024
									Real Estate
			Real Estate						Construction
			Mortgage						and Land						Commercial						Consumer						Total
			(In thousands)
Allowance for Loan and Lease Losses:
Balance, beginning of period			$	155,260					$	25,281					$	51,194					$	16,027					$	247,762
Charge-offs			(640)						—						(1,963)						(1,560)						(4,163)
Recoveries			216						—						1,253						277						1,746
Net charge-offs			(424)						—						(710)						(1,283)						(2,417)
Provision			9,798						(11,943)						10,387						758						9,000
Balance, end of period			$	164,634					$	13,338					$	60,871					$	15,502					$	254,345
			Nine Months Ended September 30, 2024
									Real Estate
			Real Estate						Construction
			Mortgage						and Land						Commercial						Consumer						Total
			(In thousands)
Allowance for Loan and Lease Losses:
Balance, beginning of period			$	186,827					$	33,830					$	45,156					$	15,874					$	281,687
Charge-offs			(56,998)						—						(5,815)						(4,434)						(67,247)
Recoveries			2,536						—						4,956						413						7,905
Net charge-offs			(54,462)						—						(859)						(4,021)						(59,342)
Provision			32,269						(20,492)						16,574						3,649						32,000
Balance, end of period			$	164,634					$	13,338					$	60,871					$	15,502					$	254,345
Ending Allowance by
Evaluation Methodology:
Individually evaluated			$	—					$	—					$	8,196					$	—					$	8,196
Collectively evaluated			$	164,634					$	13,338					$	52,675					$	15,502					$	246,149
Ending Loans and Leases by
Evaluation Methodology:
Individually evaluated			$	129,829					$	—					$	36,527					$	—					$	166,356
Collectively evaluated			13,204,577						3,459,409						6,282,945						414,490						23,361,421
Ending balance			$	13,334,406					$	3,459,409					$	6,319,472					$	414,490					$	23,527,777

The allowance for loan and lease losses increased by $11.2 million in the third quarter of 2025 to $240.5 million compared to the second quarter due primarily to a $8.7 million provision and net recoveries of $2.5 million.

For additional information regarding the calculation of the ALLL using the CECL methodology, including discussion of forecasts used to estimate the allowance, please see Note 1(j). Nature of Operations and Summary of Significant Accounting Policies - Allowance for Credit Losses on Loans and Leases Held for Investment of the Notes to Consolidated Financial Statements contained in "Item 8. Financial Statements and Supplementary Data" of the Form 10-K.

A loan is considered collateral-dependent, and is individually evaluated for reserve purposes, when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. The following table summarizes collateral-dependent loans held for investment by collateral type as of the following dates:

			September 30, 2025																		December 31, 2024
			Real						Business																		Real						Business
			Property						Assets												Total						Property						Assets						Total
			(In thousands)
Real estate mortgage			$	166,678					$	—											$	166,678					$	167,060					$	—					$	167,060
Commercial			—						3,465												3,465						—						10,870						10,870
Total			$	166,678					$	3,465											$	170,143					$	167,060					$	10,870					$	177,930

Allowance for Credit Losses

The ACL is the combination of the ALLL and the reserve for unfunded loan commitments. The reserve for unfunded loan commitments is included within "Accrued interest payable and other liabilities" on the condensed consolidated balance sheets.

The following tables present a summary of the activity in the ALLL and reserve for unfunded loan commitments for the periods indicated:

			Three Months Ended
			September 30, 2025
			Allowance for						Reserve for						Total
			Loan and						Unfunded Loan						Allowance for
			Lease Losses						Commitments						Credit Losses
			(In thousands)
Balance, beginning of period			$	229,344					$	29,221					$	258,565
Charge-offs			(6,465)						—						(6,465)
Recoveries			8,922						—						8,922
Net recoveries			2,457						—						2,457
Provision			8,700						1,000						9,700
Balance, end of period			$	240,501					$	30,221					$	270,722
			Nine Months Ended
			September 30, 2025
			Allowance for						Reserve for						Total
			Loan and						Unfunded Loan						Allowance for
			Lease Losses						Commitments						Credit Losses
			(In thousands)
Balance, beginning of period			$	239,360					$	29,071					$	268,431
Charge-offs			(69,964)						—						(69,964)
Recoveries			14,125						—						14,125
Net charge-offs			(55,839)						—						(55,839)
Provision			56,980						1,150						58,130
Balance, end of period			$	240,501					$	30,221					$	270,722

			Three Months Ended
			September 30, 2024
			Allowance for						Reserve for						Total
			Loan and						Unfunded Loan						Allowance for
			Lease Losses						Commitments						Credit Losses
			(In thousands)
Balance, beginning of period			$	247,762					$	27,571					$	275,333
Charge-offs			(4,163)						—						(4,163)
Recoveries			1,746						—						1,746
Net charge-offs			(2,417)						—						(2,417)
Provision			9,000						—						9,000
Balance, end of period			$	254,345					$	27,571					$	281,916
			Nine Months Ended
			September 30, 2024
			Allowance for						Reserve for						Total
			Loan and						Unfunded Loan						Allowance for
			Lease Losses						Commitments						Credit Losses
			(In thousands)
Balance, beginning of period			$	281,687					$	29,571					$	311,258
Charge-offs			(67,247)						—						(67,247)
Recoveries			7,905						—						7,905
Net charge-offs			(59,342)						—						(59,342)
Provision			32,000						(2,000)						30,000
Balance, end of period			$	254,345					$	27,571					$	281,916

X

- Definition

The entire disclosure for claims held for amounts due to entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org/310-10/tableOfContent

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 835
-SubTopic 30
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482925/835-30-45-2

+ Details

Name:	us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- References

No definition available.

+ Details

Name:	us-gaap_ReceivablesAbstract
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration