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Allowance For Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2025
Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery [Abstract] |
Activity In The Allowance For Loan Losses | The activity in the ACL for the three-month periods ended March 31, 2025 and March 31, 2024 is summarized in the following tables:
| Three Months Ended March 31, 2025
(In thousands) | Commercial, financial and agricultural |  | Commercial real estate |  | Construction real estate |  | Residential real estate |  | Consumer |  | Leases |  | Total
ACL: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 12,683 |  |  | $ | 19,571 |  |  | $ | 7,125 |  |  | $ | 22,355 |  |  | $ | 26,081 |  |  | $ | 151 |  |  | $ | 87,966 |
Charge-offs | 301 |  |  | — |  |  | — |  |  | 25 |  |  | 3,279 |  |  | — |  |  | 3,605 |
Recoveries | 337 |  |  | 14 |  |  | 1,104 |  |  | 45 |  |  | 1,513 |  |  | — |  |  | 3,013 |
Net (recoveries)/charge-offs | $ | (36) |  |  | $ | (14) |  |  | $ | (1,104) |  |  | $ | (20) |  |  | $ | 1,766 |  |  | $ | — |  |  | $ | 592 |
(Recovery of) provision for credit losses | (1,311) |  |  | 253 |  |  | (90) |  |  | 374 |  |  | 1,500 |  |  | 30 |  |  | 756 |
Ending balance | $ | 11,408 |  |  | $ | 19,838 |  |  | $ | 8,139 |  |  | $ | 22,749 |  |  | $ | 25,815 |  |  | $ | 181 |  |  | $ | 88,130 |
| Three Months Ended March 31, 2024
(In thousands) | Commercial, financial and agricultural |  | Commercial real estate |  | Construction real estate |  | Residential real estate |  | Consumer |  | Leases |  | Total
ACL: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 15,496 |  |  | $ | 16,374 |  |  | $ | 5,227 |  |  | $ | 18,818 |  |  | $ | 27,713 |  |  | $ | 117 |  |  | $ | 83,745 |
Charge-offs | 220 |  |  | — |  |  | — |  |  | 1 |  |  | 3,019 |  |  | — |  |  | 3,240 |
Recoveries | 171 |  |  | 22 |  |  | 914 |  |  | 82 |  |  | 1,210 |  |  | — |  |  | 2,399 |
Net charge-offs/(recoveries) | $ | 49 |  |  | $ | (22) |  |  | $ | (914) |  |  | $ | (81) |  |  | $ | 1,809 |  |  | $ | — |  |  | $ | 841 |
(Recovery of) provision for credit losses | (476) |  |  | 785 |  |  | (399) |  |  | 734 |  |  | 1,490 |  |  | 46 |  |  | 2,180 |
Ending balance | $ | 14,971 |  |  | $ | 17,181 |  |  | $ | 5,742 |  |  | $ | 19,633 |  |  | $ | 27,394 |  |  | $ | 163 |  |  | $ | 85,084 |
Composition Of The Allowance For Loan Losses | The composition of the ACL at March 31, 2025 and at December 31, 2024 was as follows:
| March 31, 2025
(In thousands) | Commercial, financial and agricultural |  | Commercial real estate |  | Construction real estate |  | Residential real estate |  | Consumer |  | Leases |  | Total
ACL: |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributed to loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment - nonaccrual | $ | 976 |  | $ | 68 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 1,044
Individually evaluated for impairment - accrual | — |  | — |  | — |  | — |  | — |  |  |  | —
Collectively evaluated for impairment | 10,432 |  | 19,770 |  | 8,139 |  | 22,749 |  | 25,815 |  | 181 |  | 87,086
Accruing loans acquired with deteriorated credit quality | — |  | — |  | — |  | — |  | — |  | — |  | —
Total ending allowance balance | $ | 11,408 |  | $ | 19,838 |  | $ | 8,139 |  | $ | 22,749 |  | $ | 25,815 |  | $ | 181 |  | $ | 88,130
Loan balance: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment - nonaccrual | $ | 22,915 |  | $ | 22,930 |  | $ | 100 |  | $ | 1,763 |  | $ | — |  | $ | 10 |  | $ | 47,718
Individually evaluated for impairment - accrual | $ | 13,935 |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | 13,935
Loans collectively evaluated for impairment | 1,210,378 |  | 2,005,101 |  | 461,692 |  | 2,237,255 |  | 1,876,690 |  | 28,827 |  | 7,819,943
Accruing loans acquired with deteriorated credit quality | — |  | 1,318 |  | 569 |  | 252 |  | — |  | — |  | 2,139
Total ending loan balance | $ | 1,247,228 |  | $ | 2,029,349 |  | $ | 462,361 |  | $ | 2,239,270 |  | $ | 1,876,690 |  | $ | 28,837 |  | $ | 7,883,735
ACL as a percentage of loan balance: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment - nonaccrual | 4.26 | % |  | 0.30 | % |  | — | % |  | — | % |  | — | % |  | — | % |  | 2.19 | %
Individually evaluated for impairment - accrual | — | % |  | — | % |  | — | % |  | — | % |  | — | % |  | — | % |  | — | %
Loans collectively evaluated for impairment | 0.86 | % |  | 0.99 | % |  | 1.76 | % |  | 1.02 | % |  | 1.38 | % |  | 0.63 | % |  | 1.11 | %
Accruing loans acquired with deteriorated credit quality | — | % |  | — | % |  | — | % |  | — | % |  | — | % |  | — | % |  | — | %
Total | 0.91 | % |  | 0.98 | % |  | 1.76 | % |  | 1.02 | % |  | 1.38 | % |  | 0.63 | % |  | 1.12 | %
|  | December 31, 2024
(In thousands) |  | Commercial, financial and agricultural |  | Commercial real estate |  | Construction real estate |  | Residential real estate |  | Consumer |  | Leases |  | Total
ACL: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributed to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment - nonaccrual |  | $ | 1,259 |  | $ | — |  | $ | — |  | $ | 40 |  | $ | — |  | $ | — |  | $ | 1,299
Individually evaluated for impairment - accrual |  | — |  | — |  | — |  | — |  | — |  | — |  | —
Collectively evaluated for impairment |  | 11,424 |  | 19,571 |  | 7,125 |  | 22,315 |  | 26,081 |  | 151 |  | 86,667
Accruing loans acquired with deteriorated credit quality |  | — |  | — |  | — |  | — |  | — |  | — |  | —
Total ending allowance balance |  | $ | 12,683 |  | $ | 19,571 |  | $ | 7,125 |  | $ | 22,355 |  | $ | 26,081 |  | $ | 151 |  | $ | 87,966
Loan balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment - nonaccrual |  | $ | 24,194 |  | $ | 23,230 |  | $ | 8 |  | $ | 5,700 |  | $ | — |  | $ | 17 |  | $ | 53,149
Individually evaluated for impairment - accrual |  | 15,290 |  | — |  | — |  | — |  | — |  | — |  | 15,290
Loans collectively evaluated for impairment |  | 1,230,101 |  | 1,969,785 |  | 411,988 |  | 2,194,457 |  | 1,910,372 |  | 29,812 |  | 7,746,515
Accruing loans acquired with deteriorated credit quality |  | — |  | 1,317 |  | 581 |  | 276 |  | — |  | — |  | 2,174
Total ending loan balance |  | $ | 1,269,585 |  | $ | 1,994,332 |  | $ | 412,577 |  | $ | 2,200,433 |  | $ | 1,910,372 |  | $ | 29,829 |  | $ | 7,817,128
ACL as a percentage of loan balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment - nonaccrual |  | 5.20 | % |  | — | % |  | — | % |  | 0.70 | % |  | — | % |  | — | % |  | 2.44 | %
Individually evaluated for impairment - accrual |  | — | % |  | — | % |  | — | % |  | — | % |  | — | % |  | — | % |  | — | %
Loans collectively evaluated for impairment |  | 0.93 | % |  | 0.99 | % |  | 1.73 | % |  | 1.02 | % |  | 1.37 | % |  | 0.51 | % |  | 1.12 | %
Accruing loans acquired with deteriorated credit quality |  | — | % |  | — | % |  | — | % |  | — | % |  | — | % |  | — | % |  | — | %
Total |  | 1.00 | % |  | 0.98 | % |  | 1.73 | % |  | 1.02 | % |  | 1.37 | % |  | 0.51 | % |  | 1.13 | %

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- Definition Tabular disclosure of allowance for credit loss of financing receivable, classified as current. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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