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Allowance for Losses on Loans - Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended
--- | --- | ---
Dec. 31, 2024 | Dec. 31, 2023 | Sep. 30, 2024
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Allowance | $ 203,753 | $ 177,207 | $ 177,207
Charge-offs | (785) | (293) |
Recoveries | 554 | 406 |
Provision & Transfers | 1,000 | 2,000 |
Ending Allowance | 204,522 | 179,320 | 203,753
Unfunded commitments |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Provision & Transfers | 1,000 | 2,000 |
Commercial loans |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Allowance | 153,373 | 137,194 | 137,194
Charge-offs | (520) | (80) | (2,963)
Recoveries | 16 | 84 |
Provision & Transfers | (401) | 1,957 |
Ending Allowance | 152,468 | 139,155 | 153,373
Commercial loans | Multi-family |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Allowance | 25,248 | 13,155 | 13,155
Charge-offs | 0 | 0 |
Recoveries | 0 | 0 |
Provision & Transfers | 749 | 636 |
Ending Allowance | 25,997 | 13,791 | 25,248
Commercial loans | Commercial real estate |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Allowance | 39,210 | 28,842 | 28,842
Charge-offs | (163) | 0 | (203)
Recoveries | 0 | 2 |
Provision & Transfers | (1,174) | 163 |
Ending Allowance | 37,873 | 29,007 | 39,210
Commercial loans | Commercial & industrial |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Allowance | 58,748 | 58,773 | 58,773
Charge-offs | (357) | (62) | (2,611)
Recoveries | 4 | 32 |
Provision & Transfers | 2,079 | 2,093 |
Ending Allowance | 60,474 | 60,836 | 58,748
Commercial loans | Construction |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Allowance | 22,267 | 29,408 | 29,408
Charge-offs | 0 | 0 |
Recoveries | 0 | 0 |
Provision & Transfers | (1,364) | (545) |
Ending Allowance | 20,903 | 28,863 | 22,267
Commercial loans | Land - acquisition & development |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Allowance | 7,900 | 7,016 | 7,016
Charge-offs | 0 | (18) | (149)
Recoveries | 12 | 50 |
Provision & Transfers | (691) | (390) |
Ending Allowance | 7,221 | 6,658 | 7,900
Consumer loans |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Allowance | 50,380 | 40,013 | 40,013
Charge-offs | (265) | (213) | (662)
Recoveries | 538 | 322 |
Provision & Transfers | 1,401 | 43 |
Ending Allowance | 52,054 | 40,165 | 50,380
Consumer loans | Construction |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Allowance | 1,427 | 2,781 | 2,781
Charge-offs | 0 | 0 |
Recoveries | 0 | 0 |
Provision & Transfers | (208) | (519) |
Ending Allowance | 1,219 | 2,262 | 1,427
Consumer loans | Single-family residential |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Allowance | 40,523 | 28,029 | 28,029
Charge-offs | 0 | 0 | (144)
Recoveries | 456 | 120 |
Provision & Transfers | 1,138 | 407 |
Ending Allowance | 42,117 | 28,556 | 40,523
Consumer loans | Land - consumer lot loans |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Allowance | 2,564 | 3,512 | 3,512
Charge-offs | 0 | 0 |
Recoveries | 0 | 9 |
Provision & Transfers | (37) | (176) |
Ending Allowance | 2,527 | 3,345 | 2,564
Consumer loans | HELOC |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Allowance | 3,049 | 2,859 | 2,859
Charge-offs | 0 | 0 |
Recoveries | 1 | 1 |
Provision & Transfers | 108 | 113 |
Ending Allowance | 3,158 | 2,973 | 3,049
Consumer loans | Consumer |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Allowance | 2,817 | 2,832 | 2,832
Charge-offs | (265) | (213) | (518)
Recoveries | 81 | 192 |
Provision & Transfers | 400 | 218 |
Ending Allowance | $ 3,033 | $ 3,029 | $ 2,817

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- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 + Details
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- Definition Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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