XML 52 R37.htm IDEA: XBRL DOCUMENT
v3.25.4

LHFI and ACL, LHFI (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2025
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract] |
Loan Portfolio Held for Investment | At December 31, 2025 and 2024, LHFI consisted of the following ($ in thousands):
|  | December 31, |
|  | 2025 |  |  | 2024 |
Loans secured by real estate: |  |  |  |  |  |
Construction, land development and other land |  | $ | 549,353 |  |  | $ | 587,244 |
Other secured by 1-4 family residential properties |  |  | 704,514 |  |  |  | 650,550 |
Secured by nonfarm, nonresidential properties |  |  | 3,304,523 |  |  |  | 3,533,282 |
Other real estate secured |  |  | 2,124,272 |  |  |  | 1,633,830 |
Other loans secured by real estate: |  |  |  |  |  |
Other construction |  |  | 595,238 |  |  |  | 829,904 |
Secured by 1-4 family residential properties |  |  | 2,351,675 |  |  |  | 2,298,993 |
Commercial and industrial loans |  |  | 1,999,464 |  |  |  | 1,840,722 |
Consumer loans |  |  | 163,754 |  |  |  | 156,569 |
State and other political subdivision loans |  |  | 1,061,584 |  |  |  | 969,836 |
Other commercial loans and leases |  |  | 819,856 |  |  |  | 589,012 |
LHFI |  |  | 13,674,233 |  |  |  | 13,089,942 |
Less ACL |  |  | 157,071 |  |  |  | 160,270 |
Net LHFI |  | $ | 13,517,162 |  |  | $ | 12,929,672 |
Schedule of Amortized Cost Basis of Loans on Nonaccrual Status | The following tables provide the amortized cost basis of loans on nonaccrual status and loans past due 90 days or more still accruing interest at December 31, 2025 and 2024 ($ in thousands):
|  | December 31, 2025 |
|  | Nonaccrual With No ACL |  |  | Total Nonaccrual |  |  | Loans Past Due 90 Days or More Still Accruing |
Loans secured by real estate: |  |  |  |  |  |  |  |  |
Construction, land development and other land |  | $ | 156 |  |  | $ | 355 |  |  | $ | — |
Other secured by 1-4 family residential properties |  |  | 715 |  |  |  | 8,991 |  |  |  | 520 |
Secured by nonfarm, nonresidential properties |  |  | 2,105 |  |  |  | 5,579 |  |  |  | — |
Other real estate secured |  |  | 234 |  |  |  | 399 |  |  |  | — |
Other loans secured by real estate: |  |  |  |  |  |  |  |  |
Secured by 1-4 family residential properties |  |  | 3,414 |  |  |  | 64,293 |  |  |  | 3,133 |
Commercial and industrial loans |  |  | 145 |  |  |  | 3,615 |  |  |  | — |
Consumer loans |  |  | — |  |  |  | 385 |  |  |  | 449 |
State and other political subdivision loans |  |  | — |  |  |  | — |  |  |  | 995 |
Other commercial loans and leases |  |  | 764 |  |  |  | 774 |  |  |  | — |
Total |  | $ | 7,533 |  |  | $ | 84,391 |  |  | $ | 5,097 |
|  | December 31, 2024 |
|  | Nonaccrual With No ACL |  |  | Total Nonaccrual |  |  | Loans Past Due 90 Days or More Still Accruing |
Loans secured by real estate: |  |  |  |  |  |  |  |  |
Construction, land development and other land |  | $ | — |  |  | $ | 366 |  |  | $ | 159 |
Other secured by 1-4 family residential properties |  |  | 521 |  |  |  | 7,275 |  |  |  | 266 |
Secured by nonfarm, nonresidential properties |  |  | 426 |  |  |  | 13,061 |  |  |  | — |
Other real estate secured |  |  | 1,904 |  |  |  | 1,984 |  |  |  | — |
Other loans secured by real estate: |  |  |  |  |  |  |  |  |
Secured by 1-4 family residential properties |  |  | 1,533 |  |  |  | 31,583 |  |  |  | 3,253 |
Commercial and industrial loans |  |  | 16 |  |  |  | 24,525 |  |  |  | — |
Consumer loans |  |  | — |  |  |  | 236 |  |  |  | 414 |
Other commercial loans and leases |  |  | — |  |  |  | 1,079 |  |  |  | — |
Total |  | $ | 4,400 |  |  | $ | 80,109 |  |  | $ | 4,092 |
Aging Analysis of Past Due and Nonaccrual LHFI by Loan Type | The following tables provide an aging analysis of the amortized cost basis of past due LHFI (including nonaccrual LHFI) at December 31, 2025 and 2024 ($ in thousands):
|  | December 31, 2025 |
|  | Past Due |  |  |  |  |  |  |
|  |  |  |  |  |  |  | 90 Days |  |  | Total |  |  | Current |  |  |  |
|  | 30-59 Days |  |  | 60-89 Days |  |  | or More |  |  | Past Due |  |  | Loans |  |  | Total LHFI |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land |  | $ | 786 |  |  | $ | 139 |  |  | $ | — |  |  | $ | 925 |  |  | $ | 548,428 |  |  | $ | 549,353 |
Other secured by 1-4 family residential properties |  |  | 6,118 |  |  |  | 1,238 |  |  |  | 3,868 |  |  |  | 11,224 |  |  |  | 693,290 |  |  |  | 704,514 |
Secured by nonfarm, nonresidential properties |  |  | 1,798 |  |  |  | 185 |  |  |  | 3,829 |  |  |  | 5,812 |  |  |  | 3,298,711 |  |  |  | 3,304,523 |
Other real estate secured |  |  | 1 |  |  |  | — |  |  |  | 316 |  |  |  | 317 |  |  |  | 2,123,955 |  |  |  | 2,124,272 |
Other loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 595,238 |  |  |  | 595,238 |
Secured by 1-4 family residential properties |  |  | 19,838 |  |  |  | 8,340 |  |  |  | 34,838 |  |  |  | 63,016 |  |  |  | 2,288,659 |  |  |  | 2,351,675 |
Commercial and industrial loans |  |  | 2,828 |  |  |  | 352 |  |  |  | 1,014 |  |  |  | 4,194 |  |  |  | 1,995,270 |  |  |  | 1,999,464 |
Consumer loans |  |  | 2,109 |  |  |  | 402 |  |  |  | 453 |  |  |  | 2,964 |  |  |  | 160,790 |  |  |  | 163,754 |
State and other political subdivision loans |  |  | 8 |  |  |  | — |  |  |  | 995 |  |  |  | 1,003 |  |  |  | 1,060,581 |  |  |  | 1,061,584 |
Other commercial loans and leases |  |  | 4 |  |  |  | 15 |  |  |  | — |  |  |  | 19 |  |  |  | 819,837 |  |  |  | 819,856 |
Total |  | $ | 33,490 |  |  | $ | 10,671 |  |  | $ | 45,313 |  |  | $ | 89,474 |  |  | $ | 13,584,759 |  |  | $ | 13,674,233 |
|  | December 31, 2024 |
|  | Past Due |  |  |  |  |  |  |
|  |  |  |  |  |  |  | 90 Days |  |  | Total |  |  | Current |  |  |  |
|  | 30-59 Days |  |  | 60-89 Days |  |  | or More |  |  | Past Due |  |  | Loans |  |  | Total LHFI |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land |  | $ | 199 |  |  | $ | — |  |  | $ | 324 |  |  | $ | 523 |  |  | $ | 586,721 |  |  | $ | 587,244 |
Other secured by 1-4 family residential properties |  |  | 5,656 |  |  |  | 1,821 |  |  |  | 3,223 |  |  |  | 10,700 |  |  |  | 639,850 |  |  |  | 650,550 |
Secured by nonfarm, nonresidential properties |  |  | 1,488 |  |  |  | 380 |  |  |  | 3,111 |  |  |  | 4,979 |  |  |  | 3,528,303 |  |  |  | 3,533,282 |
Other real estate secured |  |  | 1,979 |  |  |  | — |  |  |  | 28 |  |  |  | 2,007 |  |  |  | 1,631,823 |  |  |  | 1,633,830 |
Other loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 829,904 |  |  |  | 829,904 |
Secured by 1-4 family residential properties |  |  | 17,898 |  |  |  | 7,111 |  |  |  | 21,524 |  |  |  | 46,533 |  |  |  | 2,252,460 |  |  |  | 2,298,993 |
Commercial and industrial loans |  |  | 1,114 |  |  |  | 13,300 |  |  |  | 8,835 |  |  |  | 23,249 |  |  |  | 1,817,473 |  |  |  | 1,840,722 |
Consumer loans |  |  | 1,930 |  |  |  | 600 |  |  |  | 414 |  |  |  | 2,944 |  |  |  | 153,625 |  |  |  | 156,569 |
State and other political subdivision loans |  |  | 24 |  |  |  | — |  |  |  | — |  |  |  | 24 |  |  |  | 969,812 |  |  |  | 969,836 |
Other commercial loans and leases |  |  | 168 |  |  |  | 67 |  |  |  | 69 |  |  |  | 304 |  |  |  | 588,708 |  |  |  | 589,012 |
Total |  | $ | 30,456 |  |  | $ | 23,279 |  |  | $ | 37,528 |  |  | $ | 91,263 |  |  | $ | 12,998,679 |  |  | $ | 13,089,942 |
Impact of Modifications Classified as Troubled Debt Restructurings | The following tables present the amortized cost of LHFI of loans modified to borrowers experiencing financial difficulty disaggregated by class of loan and type of modification at the end of each of the periods presented ($ in thousands). The percentage of the amortized cost basis of LHFI that were modified to borrowers experiencing financial difficulty as compared to the amortized cost basis of each class of LHFI is also presented below:
|  | Year Ended December 31, 2025 |
|  | Payment Delay |  |  | Term Extension |  |  | Total |  |  | % of Total Class of Loan |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |
Other secured by 1-4 family residential properties |  | $ | — |  |  | $ | 2,708 |  |  | $ | 2,708 |  |  |  | 0.38 | %
Other real estate secured |  |  | — |  |  |  | 15,000 |  |  |  | 15,000 |  |  |  | 0.71 | %
Other loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |
Secured by 1-4 family residential properties |  |  | — |  |  |  | 11,974 |  |  |  | 11,974 |  |  |  | 0.51 | %
Commercial and industrial loans |  |  | 578 |  |  |  | — |  |  |  | 578 |  |  |  | 0.03 | %
Total |  | $ | 578 |  |  | $ | 29,682 |  |  | $ | 30,260 |  |  |  | 0.22 | %
|  | Year Ended December 31, 2024 |
|  | Payment Delay |  |  | Term Extension |  |  | Total |  |  | % of Total Class of Loan |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |
Other secured by 1-4 family residential properties |  | $ | — |  |  | $ | 3,456 |  |  | $ | 3,456 |  |  |  | 0.53 | %
Other loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |
Secured by 1-4 family residential properties |  |  | — |  |  |  | 129 |  |  |  | 129 |  |  |  | 0.01 | %
Commercial and industrial loans |  |  | 6,207 |  |  |  | — |  |  |  | 6,207 |  |  |  | 0.34 | %
Total |  | $ | 6,207 |  |  | $ | 3,585 |  |  | $ | 9,792 |  |  |  | 0.07 | %
|  | Year Ended December 31, 2023 |
|  | Payment Delay |  |  | Term Extension |  |  | Total |  |  | % of Total Class of Loan |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |
Other secured by 1-4 family residential properties |  | $ | — |  |  | $ | 805 |  |  | $ | 805 |  |  |  | 0.13 | %
Secured by nonfarm, nonresidential properties |  |  | — |  |  |  | 359 |  |  |  | 359 |  |  |  | 0.01 | %
Other loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |
Secured by 1-4 family residential properties |  |  | — |  |  |  | 1,148 |  |  |  | 1,148 |  |  |  | 0.05 | %
Commercial and industrial loans |  |  | 242 |  |  |  | — |  |  |  | 242 |  |  |  | 0.01 | %
Consumer loans |  |  | — |  |  |  | 36 |  |  |  | 36 |  |  |  | 0.02 | %
Other commercial loans and leases |  |  | 116 |  |  |  | 31 |  |  |  | 147 |  |  |  | 0.03 | %
Total |  | $ | 358 |  |  | $ | 2,379 |  |  | $ | 2,737 |  |  |  | 0.02 | %
Troubled debt restructurings on financial effect | The following tables detail the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the periods presented:
|  | Year Ended December 31, 2025
|  | Financial Effect
|  | Payment Delay |  | Term Extension
Loans secured by real estate: |  |  |  |
Other secured by 1-4 family residential properties |  |  |  | Modified five loans and forty-four lines of credit to amortize over 24 month terms
Other real estate secured |  |  |  | Extended maturity of one loan by 12 months
Other loans secured by real estate: |  |  |  |
Secured by 1-4 family residential properties |  |  |  | Re-amortized seventy-two loans with term adjusted by a weighted-average of 37 months
Commercial and industrial loans |  | One loan with eight monthly interest payments deferred and four loans with three interest-only monthly payments |  |
|  | Year Ended December 31, 2024
|  | Financial Effect
|  | Payment Delay |  | Term Extension
Loans secured by real estate: |  |  |  |
Other secured by 1-4 family residential properties |  |  |  | Modified five loans and twenty-five lines of credit to amortize over 24 month terms
Other loans secured by real estate: |  |  |  |
Secured by 1-4 family residential properties |  |  |  | Modified nine loans to amortize over weighted average 35 months
Commercial and industrial loans |  | Thirty-four month principal payment deferral |  |
|  | Year Ended December 31, 2023
|  | Financial Effect
|  | Payment Delay |  | Term Extension
Loans secured by real estate: |  |  |  |
Other secured by 1-4 family residential properties |  |  |  | Modified lines of credit to amortize over 12 month and 24 month terms
Secured by nonfarm, nonresidential properties |  |  |  | One loan renewed and extended maturity by six months
Other loans secured by real estate: |  |  |  |
Secured by 1-4 family residential properties |  |  |  | Extended amortization with term adjusted by weighted-average 3.4 years
Commercial and industrial loans |  | Six month payment deferrals |  |
Consumer loans |  |  |  | Bankruptcies extended amortization with term adjusted by weighted average 1.3 years reducing borrower payment
Other commercial loans and leases |  | Six month payment deferrals |  | One loan renewed and extended maturity by seven months
Past Due Modifications Related To Loans Held For Investment | The following tables provide details of the performance of such LHFI that have been modified in the preceding twelve months as of December 31, 2025, 2024 and 2023 ($ in thousands):
|  | December 31, 2025 |
|  | Past Due |  |  |  |  |  |  |
|  |  |  |  |  |  |  | 90 Days |  |  | Total |  |  | Current |  |  |  |
|  | 30-59 Days |  |  | 60-89 Days |  |  | or More |  |  | Past Due |  |  | Loans |  |  | Total |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other secured by 1-4 family residential properties |  | $ | 58 |  |  | $ | — |  |  | $ | 75 |  |  | $ | 133 |  |  | $ | 2,575 |  |  | $ | 2,708 |
Other real estate secured |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 15,000 |  |  |  | 15,000 |
Other loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Secured by 1-4 family residential properties |  |  | 1,700 |  |  |  | 619 |  |  |  | 1,620 |  |  |  | 3,939 |  |  |  | 8,035 |  |  |  | 11,974 |
Commercial and industrial loans |  |  | — |  |  |  | — |  |  |  | 578 |  |  |  | 578 |  |  |  | — |  |  |  | 578 |
Total |  | $ | 1,758 |  |  | $ | 619 |  |  | $ | 2,273 |  |  | $ | 4,650 |  |  | $ | 25,610 |  |  | $ | 30,260 |
|  | December 31, 2024 |
|  | Past Due |  |  |  |  |  |  |
|  |  |  |  |  |  |  | 90 Days |  |  | Total |  |  | Current |  |  |  |
|  | 30-59 Days |  |  | 60-89 Days |  |  | or More |  |  | Past Due |  |  | Loans |  |  | Total |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other secured by 1-4 family residential properties |  | $ | 739 |  |  | $ | 128 |  |  | $ | 50 |  |  | $ | 917 |  |  | $ | 2,539 |  |  | $ | 3,456 |
Other loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Secured by 1-4 family residential properties |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 129 |  |  |  | 129 |
Commercial and industrial loans |  |  | — |  |  |  | — |  |  |  | 6,207 |  |  |  | 6,207 |  |  |  | — |  |  |  | 6,207 |
Total |  | $ | 739 |  |  | $ | 128 |  |  | $ | 6,257 |  |  | $ | 7,124 |  |  | $ | 2,668 |  |  | $ | 9,792 |
|  | December 31, 2023 |
|  | Past Due |  |  |  |  |  |  |
|  |  |  |  |  |  |  | 90 Days |  |  | Total |  |  | Current |  |  |  |
|  | 30-59 Days |  |  | 60-89 Days |  |  | or More |  |  | Past Due |  |  | Loans |  |  | Total |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other secured by 1-4 family residential properties |  | $ | 290 |  |  | $ | 17 |  |  | $ | — |  |  | $ | 307 |  |  | $ | 498 |  |  | $ | 805 |
Secured by nonfarm, nonresidential properties |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 359 |  |  |  | 359 |
Other loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Secured by 1-4 family residential properties |  |  | 64 |  |  |  | — |  |  |  | — |  |  |  | 64 |  |  |  | 1,084 |  |  |  | 1,148 |
Commercial and industrial loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 242 |  |  |  | 242 |
Consumer loans |  |  | 17 |  |  |  | — |  |  |  | — |  |  |  | 17 |  |  |  | 19 |  |  |  | 36 |
Other commercial loans and leases |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 147 |  |  |  | 147 |
Total |  | $ | 371 |  |  | $ | 17 |  |  | $ | — |  |  | $ | 388 |  |  | $ | 2,349 |  |  | $ | 2,737 |
Schedule Of Amortized Cost Basis Of Collateral Dependent Loans by Class of Loans | The following tables present the amortized cost basis of collateral-dependent loans by class of loans and collateral type at December 31, 2025 and 2024 ($ in thousands):
|  | December 31, 2025 |
|  | Real Estate |  |  | Vehicles |  |  | Miscellaneous |  |  | Total |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land |  | $ | 156 |  |  | $ | — |  |  | $ | — |  |  | $ | 156 |
Other secured by 1-4 family residential properties |  |  | 848 |  |  |  | — |  |  |  | — |  |  |  | 848 |
Secured by nonfarm, nonresidential properties |  |  | 2,531 |  |  |  | — |  |  |  | — |  |  |  | 2,531 |
Other real estate secured |  |  | 15,234 |  |  |  | — |  |  |  | — |  |  |  | 15,234 |
Other loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |
Secured by 1-4 family residential properties |  |  | 3,414 |  |  |  | — |  |  |  | — |  |  |  | 3,414 |
Commercial and industrial loans |  |  | — |  |  |  | 1,554 |  |  |  | 250 |  |  |  | 1,804 |
Consumer loans |  |  | — |  |  |  | — |  |  |  | 103 |  |  |  | 103 |
Other commercial loans and leases |  |  | — |  |  |  | — |  |  |  | 764 |  |  |  | 764 |
Total |  | $ | 22,183 |  |  | $ | 1,554 |  |  | $ | 1,117 |  |  | $ | 24,854 |
|  | December 31, 2024 |
|  | Real Estate |  |  | Vehicles |  |  | Miscellaneous |  |  | Total |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |
Other secured by 1-4 family residential properties |  | $ | 521 |  |  | $ | — |  |  | $ | — |  |  | $ | 521 |
Secured by nonfarm, nonresidential properties |  |  | 9,783 |  |  |  | — |  |  |  | — |  |  |  | 9,783 |
Other real estate secured |  |  | 1,904 |  |  |  | — |  |  |  | — |  |  |  | 1,904 |
Other loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |
Secured by 1-4 family residential properties |  |  | 1,533 |  |  |  | — |  |  |  | — |  |  |  | 1,533 |
Commercial and industrial loans |  |  | — |  |  |  | 1,818 |  |  |  | 20,685 |  |  |  | 22,503 |
Other commercial loans and leases |  |  | — |  |  |  | — |  |  |  | 896 |  |  |  | 896 |
Total |  | $ | 13,741 |  |  | $ | 1,818 |  |  | $ | 21,581 |  |  | $ | 37,140 |
Carrying Amount of Loans by Credit Quality Indicator | The tables below present the amortized cost basis of loans by credit quality indicator, class of loans and year of origination, renewal or major modification based on analyses performed at December 31, 2025 and 2024 ($ in thousands):
|  | Term Loans by Origination Year |  |  |  |  |  |  |
|  | 2025 |  |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
As of December 31, 2025 |  | Commercial LHFI |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass - RR 1 through RR 6 |  | $ | 326,423 |  |  | $ | 70,948 |  |  | $ | 16,432 |  |  | $ | 17,197 |  |  | $ | 7,610 |  |  | $ | 1,664 |  |  | $ | 47,981 |  |  | $ | 488,255 |
Special Mention - RR 7 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Substandard - RR 8 |  |  | 3,308 |  |  |  | 1,409 |  |  |  | — |  |  |  | 602 |  |  |  | 85 |  |  |  | — |  |  |  | — |  |  |  | 5,404 |
Doubtful - RR 9 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 329,731 |  |  |  | 72,357 |  |  |  | 16,432 |  |  |  | 17,799 |  |  |  | 7,695 |  |  |  | 1,664 |  |  |  | 47,981 |  |  |  | 493,659 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Other secured by 1-4 family residential properties: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass - RR 1 through RR 6 |  | $ | 42,929 |  |  | $ | 22,620 |  |  | $ | 18,353 |  |  | $ | 18,748 |  |  | $ | 19,248 |  |  | $ | 3,294 |  |  | $ | 7,497 |  |  | $ | 132,689 |
Special Mention - RR 7 |  |  | — |  |  |  | 25 |  |  |  | — |  |  |  | 349 |  |  |  | 85 |  |  |  | — |  |  |  | — |  |  |  | 459 |
Substandard - RR 8 |  |  | 299 |  |  |  | 272 |  |  |  | 319 |  |  |  | 747 |  |  |  | 546 |  |  |  | 296 |  |  |  | 16 |  |  |  | 2,495 |
Doubtful - RR 9 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 43,228 |  |  |  | 22,917 |  |  |  | 18,672 |  |  |  | 19,844 |  |  |  | 19,879 |  |  |  | 3,590 |  |  |  | 7,513 |  |  |  | 135,643 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (3 | ) |  |  | (122 | ) |  |  | — |  |  |  | — |  |  |  | (125 | )
Secured by nonfarm, nonresidential properties: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass - RR 1 through RR 6 |  | $ | 817,790 |  |  | $ | 434,506 |  |  | $ | 348,386 |  |  | $ | 614,738 |  |  | $ | 334,813 |  |  | $ | 427,591 |  |  | $ | 145,497 |  |  | $ | 3,123,321 |
Special Mention - RR 7 |  |  | — |  |  |  | 1,298 |  |  |  | 23,975 |  |  |  | 284 |  |  |  | — |  |  |  | 1,124 |  |  |  | — |  |  |  | 26,681 |
Substandard - RR 8 |  |  | 38,224 |  |  |  | 9,304 |  |  |  | 2,537 |  |  |  | 39,015 |  |  |  | 29,540 |  |  |  | 33,821 |  |  |  | 1,979 |  |  |  | 154,420 |
Doubtful - RR 9 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | — |  |  |  | 1 |
Total |  |  | 856,014 |  |  |  | 445,108 |  |  |  | 374,898 |  |  |  | 654,037 |  |  |  | 364,353 |  |  |  | 462,537 |  |  |  | 147,476 |  |  |  | 3,304,423 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (2,026 | ) |  |  | — |  |  |  | (2,026 | )
Other real estate secured: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass - RR 1 through RR 6 |  | $ | 290,854 |  |  | $ | 139,454 |  |  | $ | 613,122 |  |  | $ | 678,691 |  |  | $ | 115,394 |  |  | $ | 80,235 |  |  | $ | 61,191 |  |  | $ | 1,978,941 |
Special Mention - RR 7 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 25,376 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 25,376 |
Substandard - RR 8 |  |  | — |  |  |  | — |  |  |  | 22,392 |  |  |  | 69,577 |  |  |  | 332 |  |  |  | 26,843 |  |  |  | 163 |  |  |  | 119,307 |
Doubtful - RR 9 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 290,854 |  |  |  | 139,454 |  |  |  | 635,514 |  |  |  | 773,644 |  |  |  | 115,726 |  |  |  | 107,078 |  |  |  | 61,354 |  |  |  | 2,123,624 |
Current period gross charge-offs |  |  | — |  |  |  | (4 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (4 | )
|  | Term Loans by Origination Year |  |  |  |  |  |  |
|  | 2025 |  |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
As of December 31, 2025 |  | Commercial LHFI |
Other loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass - RR 1 through RR 6 |  | $ | 122,237 |  |  | $ | 275,146 |  |  | $ | 173,752 |  |  | $ | 23,284 |  |  | $ | — |  |  | $ | — |  |  | $ | 819 |  |  | $ | 595,238 |
Special Mention - RR 7 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Substandard - RR 8 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Doubtful - RR 9 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 122,237 |  |  |  | 275,146 |  |  |  | 173,752 |  |  |  | 23,284 |  |  |  | — |  |  |  | — |  |  |  | 819 |  |  |  | 595,238 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass - RR 1 through RR 6 |  | $ | 803,487 |  |  | $ | 303,777 |  |  | $ | 172,506 |  |  | $ | 88,388 |  |  | $ | 39,304 |  |  | $ | 20,251 |  |  | $ | 523,797 |  |  | $ | 1,951,510 |
Special Mention - RR 7 |  |  | 4,522 |  |  |  | 602 |  |  |  | 14,230 |  |  |  | 119 |  |  |  | 49 |  |  |  | 77 |  |  |  | 15,816 |  |  |  | 35,415 |
Substandard - RR 8 |  |  | 2,059 |  |  |  | 377 |  |  |  | 470 |  |  |  | 3,245 |  |  |  | 683 |  |  |  | 434 |  |  |  | 5,173 |  |  |  | 12,441 |
Doubtful - RR 9 |  |  | 7 |  |  |  | 42 |  |  |  | 16 |  |  |  | 6 |  |  |  | — |  |  |  | 1 |  |  |  | 26 |  |  |  | 98 |
Total |  |  | 810,075 |  |  |  | 304,798 |  |  |  | 187,222 |  |  |  | 91,758 |  |  |  | 40,036 |  |  |  | 20,763 |  |  |  | 544,812 |  |  |  | 1,999,464 |
Current period gross charge-offs |  |  | — |  |  |  | (708 | ) |  |  | (982 | ) |  |  | (4,016 | ) |  |  | (432 | ) |  |  | (6,389 | ) |  |  | (486 | ) |  |  | (13,013 | )
State and other political subdivision loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass - RR 1 through RR 6 |  | $ | 300,564 |  |  | $ | 109,516 |  |  | $ | 64,228 |  |  | $ | 180,530 |  |  | $ | 97,517 |  |  | $ | 286,979 |  |  | $ | 22,250 |  |  | $ | 1,061,584 |
Special Mention - RR 7 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Substandard - RR 8 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Doubtful - RR 9 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 300,564 |  |  |  | 109,516 |  |  |  | 64,228 |  |  |  | 180,530 |  |  |  | 97,517 |  |  |  | 286,979 |  |  |  | 22,250 |  |  |  | 1,061,584 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Other commercial loans and leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass - RR 1 through RR 6 |  | $ | 311,342 |  |  | $ | 125,090 |  |  | $ | 113,861 |  |  | $ | 4,356 |  |  | $ | 4,352 |  |  | $ | 55,946 |  |  | $ | 198,576 |  |  | $ | 813,523 |
Special Mention - RR 7 |  |  | — |  |  |  | 414 |  |  |  | 362 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 776 |
Substandard - RR 8 |  |  | 14 |  |  |  | 1,725 |  |  |  | 1,917 |  |  |  | 369 |  |  |  | 462 |  |  |  | 29 |  |  |  | 1,038 |  |  |  | 5,554 |
Doubtful - RR 9 |  |  | — |  |  |  | 3 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3 |
Total |  |  | 311,356 |  |  |  | 127,232 |  |  |  | 116,140 |  |  |  | 4,725 |  |  |  | 4,814 |  |  |  | 55,975 |  |  |  | 199,614 |  |  |  | 819,856 |
Current period gross charge-offs |  |  | — |  |  |  | (54 | ) |  |  | — |  |  |  | (116 | ) |  |  | — |  |  |  | (50 | ) |  |  | — |  |  |  | (220 | )
Total commercial LHFI |  | $ | 3,064,059 |  |  | $ | 1,496,528 |  |  | $ | 1,586,858 |  |  | $ | 1,765,621 |  |  | $ | 650,020 |  |  | $ | 938,586 |  |  | $ | 1,031,819 |  |  | $ | 10,533,491 |
Total commercial LHFI gross charge-offs |  | $ | — |  |  | $ | (766 | ) |  | $ | (982 | ) |  | $ | (4,135 | ) |  | $ | (554 | ) |  | $ | (8,465 | ) |  | $ | (486 | ) |  | $ | (15,388 | )
|  | Term Loans by Origination Year |  |  |  |  |  |  |
|  | 2025 |  |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
As of December 31, 2025 |  | Consumer LHFI |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  | $ | 30,069 |  |  | $ | 9,491 |  |  | $ | 10,191 |  |  | $ | 2,500 |  |  | $ | 1,198 |  |  | $ | 1,638 |  |  | $ | — |  |  | $ | 55,087 |
Past due 30-89 days |  |  | — |  |  |  | 222 |  |  |  | 321 |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | — |  |  |  | 544 |
Past due 90 days or more |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Nonaccrual |  |  | — |  |  |  | — |  |  |  | 9 |  |  |  | — |  |  |  | 54 |  |  |  | — |  |  |  | — |  |  |  | 63 |
Total |  |  | 30,069 |  |  |  | 9,713 |  |  |  | 10,521 |  |  |  | 2,500 |  |  |  | 1,252 |  |  |  | 1,639 |  |  |  | — |  |  |  | 55,694 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Other secured by 1-4 family residential properties: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  | $ | 22,785 |  |  | $ | 18,105 |  |  | $ | 13,944 |  |  | $ | 5,352 |  |  | $ | 4,352 |  |  | $ | 8,656 |  |  | $ | 481,812 |  |  | $ | 555,006 |
Past due 30-89 days |  |  | 321 |  |  |  | 189 |  |  |  | 643 |  |  |  | 36 |  |  |  | 1 |  |  |  | 509 |  |  |  | 3,632 |  |  |  | 5,331 |
Past due 90 days or more |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | — |  |  |  | 518 |  |  |  | 520 |
Nonaccrual |  |  | 26 |  |  |  | 39 |  |  |  | 124 |  |  |  | 49 |  |  |  | 145 |  |  |  | 192 |  |  |  | 7,439 |  |  |  | 8,014 |
Total |  |  | 23,132 |  |  |  | 18,333 |  |  |  | 14,711 |  |  |  | 5,437 |  |  |  | 4,500 |  |  |  | 9,357 |  |  |  | 493,401 |  |  |  | 568,871 |
Current period gross charge-offs |  |  | — |  |  |  | (10 | ) |  |  | — |  |  |  | (56 | ) |  |  | — |  |  |  | (31 | ) |  |  | (714 | ) |  |  | (811 | )
Secured by nonfarm, nonresidential properties: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  | $ | 100 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 100 |
Past due 30-89 days |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Past due 90 days or more |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Nonaccrual |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 100 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 100 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Other real estate secured: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  | $ | 466 |  |  | $ | 141 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 41 |  |  | $ | — |  |  | $ | 648 |
Past due 30-89 days |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Past due 90 days or more |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Nonaccrual |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 466 |  |  |  | 141 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 41 |  |  |  | — |  |  |  | 648 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Other loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Secured by 1-4 family residential properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  | $ | 325,999 |  |  | $ | 227,009 |  |  | $ | 193,722 |  |  | $ | 712,091 |  |  | $ | 408,534 |  |  | $ | 395,901 |  |  | $ | — |  |  | $ | 2,263,256 |
Past due 30-89 days |  |  | — |  |  |  | 167 |  |  |  | 3,670 |  |  |  | 9,108 |  |  |  | 4,949 |  |  |  | 3,100 |  |  |  | — |  |  |  | 20,994 |
Past due 90 days or more |  |  | — |  |  |  | — |  |  |  | 866 |  |  |  | 1,598 |  |  |  | 134 |  |  |  | 534 |  |  |  | — |  |  |  | 3,132 |
Nonaccrual |  |  | 505 |  |  |  | 901 |  |  |  | 13,238 |  |  |  | 31,622 |  |  |  | 10,713 |  |  |  | 7,314 |  |  |  | — |  |  |  | 64,293 |
Total |  |  | 326,504 |  |  |  | 228,077 |  |  |  | 211,496 |  |  |  | 754,419 |  |  |  | 424,330 |  |  |  | 406,849 |  |  |  | — |  |  |  | 2,351,675 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | (619 | ) |  |  | (1,276 | ) |  |  | (142 | ) |  |  | (74 | ) |  |  | — |  |  |  | (2,111 | )
|  | Term Loans by Origination Year |  |  |  |  |  |  |
|  | 2025 |  |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
As of December 31, 2025 |  | Consumer LHFI |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  | $ | 54,959 |  |  | $ | 27,573 |  |  | $ | 7,898 |  |  | $ | 7,587 |  |  | $ | 6,892 |  |  | $ | 239 |  |  | $ | 55,321 |  |  | $ | 160,469 |
Past due 30-89 days |  |  | 597 |  |  |  | 228 |  |  |  | 143 |  |  |  | 31 |  |  |  | 13 |  |  |  | — |  |  |  | 1,440 |  |  |  | 2,452 |
Past due 90 days or more |  |  | 28 |  |  |  | 32 |  |  |  | 17 |  |  |  | 1 |  |  |  | — |  |  |  | — |  |  |  | 370 |  |  |  | 448 |
Nonaccrual |  |  | 117 |  |  |  | 43 |  |  |  | 155 |  |  |  | 36 |  |  |  | 23 |  |  |  | 2 |  |  |  | 9 |  |  |  | 385 |
Total |  |  | 55,701 |  |  |  | 27,876 |  |  |  | 8,213 |  |  |  | 7,655 |  |  |  | 6,928 |  |  |  | 241 |  |  |  | 57,140 |  |  |  | 163,754 |
Current period gross charge-offs |  |  | (4,847 | ) |  |  | (494 | ) |  |  | (474 | ) |  |  | (114 | ) |  |  | (24 | ) |  |  | (26 | ) |  |  | (2,459 | ) |  |  | (8,438 | )
Total consumer LHFI |  | $ | 435,972 |  |  | $ | 284,140 |  |  | $ | 244,941 |  |  | $ | 770,011 |  |  | $ | 437,010 |  |  | $ | 418,127 |  |  | $ | 550,541 |  |  | $ | 3,140,742 |
Total consumer LHFI gross charge-offs |  | $ | (4,847 | ) |  | $ | (504 | ) |  | $ | (1,093 | ) |  | $ | (1,446 | ) |  | $ | (166 | ) |  | $ | (131 | ) |  | $ | (3,173 | ) |  | $ | (11,360 | )
Total LHFI |  | $ | 3,500,031 |  |  | $ | 1,780,668 |  |  | $ | 1,831,799 |  |  | $ | 2,535,632 |  |  | $ | 1,087,030 |  |  | $ | 1,356,713 |  |  | $ | 1,582,360 |  |  | $ | 13,674,233 |
Total current period gross charge-offs |  | $ | (4,847 | ) |  | $ | (1,270 | ) |  | $ | (2,075 | ) |  | $ | (5,581 | ) |  | $ | (720 | ) |  | $ | (8,596 | ) |  | $ | (3,659 | ) |  | $ | (26,748 | )
|  | Term Loans by Origination Year |  |  |  |  |  |  |
|  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
As of December 31, 2024 |  | Commercial LHFI |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass - RR 1 through RR 6 |  | $ | 324,775 |  |  | $ | 83,503 |  |  | $ | 33,580 |  |  | $ | 23,124 |  |  | $ | 8,145 |  |  | $ | 1,587 |  |  | $ | 42,469 |  |  | $ | 517,183 |
Special Mention - RR 7 |  |  | 2,165 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,002 |  |  |  | 4,167 |
Substandard - RR 8 |  |  | 17 |  |  |  | 62 |  |  |  | 226 |  |  |  | 983 |  |  |  | — |  |  |  | — |  |  |  | 176 |  |  |  | 1,464 |
Doubtful - RR 9 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 326,957 |  |  |  | 83,565 |  |  |  | 33,806 |  |  |  | 24,107 |  |  |  | 8,145 |  |  |  | 1,587 |  |  |  | 44,647 |  |  |  | 522,814 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (24 | ) |  |  | — |  |  |  | (24 | )
Other secured by 1-4 family residential properties: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass - RR 1 through RR 6 |  | $ | 31,013 |  |  | $ | 24,339 |  |  | $ | 22,693 |  |  | $ | 24,090 |  |  | $ | 11,635 |  |  | $ | 2,106 |  |  | $ | 7,742 |  |  | $ | 123,618 |
Special Mention - RR 7 |  |  | 27 |  |  |  | — |  |  |  | — |  |  |  | 32 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 59 |
Substandard - RR 8 |  |  | 125 |  |  |  | 375 |  |  |  | 555 |  |  |  | 328 |  |  |  | — |  |  |  | 191 |  |  |  | 27 |  |  |  | 1,601 |
Doubtful - RR 9 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 31,165 |  |  |  | 24,714 |  |  |  | 23,248 |  |  |  | 24,450 |  |  |  | 11,635 |  |  |  | 2,297 |  |  |  | 7,769 |  |  |  | 125,278 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (16 | ) |  |  | — |  |  |  | (16 | )
Secured by nonfarm, nonresidential properties: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass - RR 1 through RR 6 |  | $ | 542,747 |  |  | $ | 441,159 |  |  | $ | 880,511 |  |  | $ | 429,929 |  |  | $ | 464,504 |  |  | $ | 392,802 |  |  | $ | 127,812 |  |  | $ | 3,279,464 |
Special Mention - RR 7 |  |  | 16,266 |  |  |  | — |  |  |  | 52,093 |  |  |  | — |  |  |  | 17,978 |  |  |  | 3,335 |  |  |  | — |  |  |  | 89,672 |
Substandard - RR 8 |  |  | 10,007 |  |  |  | 7,321 |  |  |  | 41,686 |  |  |  | 37,915 |  |  |  | 25,601 |  |  |  | 41,598 |  |  |  | — |  |  |  | 164,128 |
Doubtful - RR 9 |  |  | 11 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 7 |  |  |  | — |  |  |  | 18 |
Total |  |  | 569,031 |  |  |  | 448,480 |  |  |  | 974,290 |  |  |  | 467,844 |  |  |  | 508,083 |  |  |  | 437,742 |  |  |  | 127,812 |  |  |  | 3,533,282 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (2,529 | ) |  |  | — |  |  |  | (16 | ) |  |  | — |  |  |  | (2,545 | )
Other real estate secured: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass - RR 1 through RR 6 |  | $ | 152,314 |  |  | $ | 157,827 |  |  | $ | 726,814 |  |  | $ | 233,861 |  |  | $ | 137,786 |  |  | $ | 43,478 |  |  | $ | 7,434 |  |  | $ | 1,459,514 |
Special Mention - RR 7 |  |  | — |  |  |  | 7,450 |  |  |  | 15,481 |  |  |  | 41,019 |  |  |  | — |  |  |  | — |  |  |  | 263 |  |  |  | 64,213 |
Substandard - RR 8 |  |  | 14,610 |  |  |  | — |  |  |  | 26,685 |  |  |  | 42,636 |  |  |  | 252 |  |  |  | 25,419 |  |  |  | 244 |  |  |  | 109,846 |
Doubtful - RR 9 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 166,924 |  |  |  | 165,277 |  |  |  | 768,980 |  |  |  | 317,516 |  |  |  | 138,038 |  |  |  | 68,897 |  |  |  | 7,941 |  |  |  | 1,633,573 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | (89 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (89 | )
|  | Term Loans by Origination Year |  |  |  |  |  |  |
|  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
As of December 31, 2024 |  | Commercial LHFI |
Other loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass - RR 1 through RR 6 |  | $ | 115,221 |  |  | $ | 410,064 |  |  | $ | 201,526 |  |  | $ | 20,647 |  |  | $ | — |  |  | $ | — |  |  | $ | 18,400 |  |  | $ | 765,858 |
Special Mention - RR 7 |  |  | — |  |  |  | 2,250 |  |  |  | 24,557 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 26,807 |
Substandard - RR 8 |  |  | — |  |  |  | — |  |  |  | 17,820 |  |  |  | — |  |  |  | 19,419 |  |  |  | — |  |  |  | — |  |  |  | 37,239 |
Doubtful - RR 9 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 115,221 |  |  |  | 412,314 |  |  |  | 243,903 |  |  |  | 20,647 |  |  |  | 19,419 |  |  |  | — |  |  |  | 18,400 |  |  |  | 829,904 |
Current period gross charge-offs |  |  | — |  |  |  | (14 | ) |  |  | (2,493 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (2,507 | )
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass - RR 1 through RR 6 |  | $ | 505,557 |  |  | $ | 365,724 |  |  | $ | 231,875 |  |  | $ | 98,318 |  |  | $ | 45,551 |  |  | $ | 27,456 |  |  | $ | 462,740 |  |  | $ | 1,737,221 |
Special Mention - RR 7 |  |  | — |  |  |  | 564 |  |  |  | 14,066 |  |  |  | 15 |  |  |  | — |  |  |  | — |  |  |  | 13,836 |  |  |  | 28,481 |
Substandard - RR 8 |  |  | 7,204 |  |  |  | 1,113 |  |  |  | 39,698 |  |  |  | 5,091 |  |  |  | 891 |  |  |  | 12,905 |  |  |  | 7,598 |  |  |  | 74,500 |
Doubtful - RR 9 |  |  | 227 |  |  |  | — |  |  |  | 35 |  |  |  | 145 |  |  |  | 1 |  |  |  | 2 |  |  |  | 110 |  |  |  | 520 |
Total |  |  | 512,988 |  |  |  | 367,401 |  |  |  | 285,674 |  |  |  | 103,569 |  |  |  | 46,443 |  |  |  | 40,363 |  |  |  | 484,284 |  |  |  | 1,840,722 |
Current period gross charge-offs |  |  | (341 | ) |  |  | (1,211 | ) |  |  | (640 | ) |  |  | (3,251 | ) |  |  | (158 | ) |  |  | (3,132 | ) |  |  | (315 | ) |  |  | (9,048 | )
State and other political subdivision loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass - RR 1 through RR 6 |  | $ | 156,130 |  |  | $ | 82,532 |  |  | $ | 212,528 |  |  | $ | 135,251 |  |  | $ | 78,543 |  |  | $ | 302,709 |  |  | $ | 2,143 |  |  | $ | 969,836 |
Special Mention - RR 7 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Substandard - RR 8 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Doubtful - RR 9 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 156,130 |  |  |  | 82,532 |  |  |  | 212,528 |  |  |  | 135,251 |  |  |  | 78,543 |  |  |  | 302,709 |  |  |  | 2,143 |  |  |  | 969,836 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Other commercial loans and leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass - RR 1 through RR 6 |  | $ | 157,619 |  |  | $ | 148,099 |  |  | $ | 7,371 |  |  | $ | 9,800 |  |  | $ | 15,606 |  |  | $ | 45,227 |  |  | $ | 203,345 |  |  | $ | 587,067 |
Special Mention - RR 7 |  |  | — |  |  |  | — |  |  |  | 116 |  |  |  | 48 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 164 |
Substandard - RR 8 |  |  | 55 |  |  |  | 682 |  |  |  | 116 |  |  |  | 12 |  |  |  | — |  |  |  | — |  |  |  | 901 |  |  |  | 1,766 |
Doubtful - RR 9 |  |  | 9 |  |  |  | — |  |  |  | 6 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 15 |
Total |  |  | 157,683 |  |  |  | 148,781 |  |  |  | 7,609 |  |  |  | 9,860 |  |  |  | 15,606 |  |  |  | 45,227 |  |  |  | 204,246 |  |  |  | 589,012 |
Current period gross charge-offs |  |  | (25 | ) |  |  | — |  |  |  | (38 | ) |  |  | — |  |  |  | — |  |  |  | (32 | ) |  |  | — |  |  |  | (95 | )
Total commercial LHFI |  | $ | 2,036,099 |  |  | $ | 1,733,064 |  |  | $ | 2,550,038 |  |  | $ | 1,103,244 |  |  | $ | 825,912 |  |  | $ | 898,822 |  |  | $ | 897,242 |  |  | $ | 10,044,421 |
Total commercial LHFI gross charge-offs |  | $ | (366 | ) |  | $ | (1,225 | ) |  | $ | (3,260 | ) |  | $ | (5,780 | ) |  | $ | (158 | ) |  | $ | (3,220 | ) |  | $ | (315 | ) |  | $ | (14,324 | )
|  | Term Loans by Origination Year |  |  |  |  |  |  |
|  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
As of December 31, 2024 |  | Consumer LHFI |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  | $ | 31,478 |  |  | $ | 22,752 |  |  | $ | 4,302 |  |  | $ | 2,762 |  |  | $ | 930 |  |  | $ | 1,804 |  |  | $ | — |  |  | $ | 64,028 |
Past due 30-89 days |  |  | — |  |  |  | 47 |  |  |  | 11 |  |  |  | — |  |  |  | — |  |  |  | 106 |  |  |  | — |  |  |  | 164 |
Past due 90 days or more |  |  | 91 |  |  |  | — |  |  |  | — |  |  |  | 68 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 159 |
Nonaccrual |  |  | — |  |  |  | 31 |  |  |  | 21 |  |  |  | 4 |  |  |  | — |  |  |  | 23 |  |  |  | — |  |  |  | 79 |
Total |  |  | 31,569 |  |  |  | 22,830 |  |  |  | 4,334 |  |  |  | 2,834 |  |  |  | 930 |  |  |  | 1,933 |  |  |  | — |  |  |  | 64,430 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (8 | ) |  |  | — |  |  |  | (8 | )
Other secured by 1-4 family residential properties: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  | $ | 24,756 |  |  | $ | 17,202 |  |  | $ | 6,733 |  |  | $ | 5,260 |  |  | $ | 3,651 |  |  | $ | 9,563 |  |  | $ | 445,598 |  |  | $ | 512,763 |
Past due 30-89 days |  |  | 569 |  |  |  | 38 |  |  |  | 67 |  |  |  | 66 |  |  |  | 3 |  |  |  | 579 |  |  |  | 4,524 |  |  |  | 5,846 |
Past due 90 days or more |  |  | 21 |  |  |  | — |  |  |  | 8 |  |  |  | — |  |  |  | — |  |  |  | 17 |  |  |  | 219 |  |  |  | 265 |
Nonaccrual |  |  | 71 |  |  |  | 5 |  |  |  | 69 |  |  |  | 44 |  |  |  | 103 |  |  |  | 593 |  |  |  | 5,513 |  |  |  | 6,398 |
Total |  |  | 25,417 |  |  |  | 17,245 |  |  |  | 6,877 |  |  |  | 5,370 |  |  |  | 3,757 |  |  |  | 10,752 |  |  |  | 455,854 |  |  |  | 525,272 |
Current period gross charge-offs |  |  | (29 | ) |  |  | (87 | ) |  |  | (233 | ) |  |  | (40 | ) |  |  | (31 | ) |  |  | (76 | ) |  |  | — |  |  |  | (496 | )
Other real estate secured: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  | $ | 161 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 68 |  |  | $ | 28 |  |  | $ | — |  |  | $ | 257 |
Past due 30-89 days |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Past due 90 days or more |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Nonaccrual |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 161 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 68 |  |  |  | 28 |  |  |  | — |  |  |  | 257 |
Current period gross charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Other loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Secured by 1-4 family residential properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  | $ | 274,500 |  |  | $ | 224,266 |  |  | $ | 808,527 |  |  | $ | 459,191 |  |  | $ | 161,856 |  |  | $ | 314,906 |  |  | $ | — |  |  | $ | 2,243,246 |
Past due 30-89 days |  |  | 169 |  |  |  | 4,405 |  |  |  | 9,883 |  |  |  | 4,082 |  |  |  | 814 |  |  |  | 1,558 |  |  |  | — |  |  |  | 20,911 |
Past due 90 days or more |  |  | 4 |  |  |  | 1,263 |  |  |  | 1,098 |  |  |  | 461 |  |  |  | 170 |  |  |  | 257 |  |  |  | — |  |  |  | 3,253 |
Nonaccrual |  |  | 568 |  |  |  | 3,744 |  |  |  | 17,306 |  |  |  | 5,009 |  |  |  | 1,394 |  |  |  | 3,562 |  |  |  | — |  |  |  | 31,583 |
Total |  |  | 275,241 |  |  |  | 233,678 |  |  |  | 836,814 |  |  |  | 468,743 |  |  |  | 164,234 |  |  |  | 320,283 |  |  |  | — |  |  |  | 2,298,993 |
Current period gross charge-offs |  |  | — |  |  |  | (228 | ) |  |  | (9,910 | ) |  |  | (143 | ) |  |  | (6 | ) |  |  | (17 | ) |  |  | — |  |  |  | (10,304 | )
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current |  | $ | 55,908 |  |  | $ | 22,226 |  |  | $ | 12,922 |  |  | $ | 4,654 |  |  | $ | 1,188 |  |  | $ | 105 |  |  | $ | 56,423 |  |  | $ | 153,426 |
Past due 30-89 days |  |  | 844 |  |  |  | 396 |  |  |  | 323 |  |  |  | 4 |  |  |  | — |  |  |  | 13 |  |  |  | 913 |  |  |  | 2,493 |
Past due 90 days or more |  |  | 38 |  |  |  | 67 |  |  |  | 17 |  |  |  | 4 |  |  |  | — |  |  |  | — |  |  |  | 288 |  |  |  | 414 |
Nonaccrual |  |  | 25 |  |  |  | 49 |  |  |  | 63 |  |  |  | 61 |  |  |  | 19 |  |  |  | — |  |  |  | 19 |  |  |  | 236 |
Total |  |  | 56,815 |  |  |  | 22,738 |  |  |  | 13,325 |  |  |  | 4,723 |  |  |  | 1,207 |  |  |  | 118 |  |  |  | 57,643 |  |  |  | 156,569 |
Current period gross charge-offs |  |  | (5,929 | ) |  |  | (785 | ) |  |  | (470 | ) |  |  | (131 | ) |  |  | (100 | ) |  |  | (337 | ) |  |  | (2,065 | ) |  |  | (9,817 | )
Total consumer LHFI |  | $ | 389,203 |  |  | $ | 296,491 |  |  | $ | 861,350 |  |  | $ | 481,670 |  |  | $ | 170,196 |  |  | $ | 333,114 |  |  | $ | 513,497 |  |  | $ | 3,045,521 |
Total consumer LHFI gross charge-offs |  | $ | (5,958 | ) |  | $ | (1,100 | ) |  | $ | (10,613 | ) |  | $ | (314 | ) |  | $ | (137 | ) |  | $ | (438 | ) |  | $ | (2,065 | ) |  | $ | (20,625 | )
Total LHFI |  | $ | 2,425,302 |  |  | $ | 2,029,555 |  |  | $ | 3,411,388 |  |  | $ | 1,584,914 |  |  | $ | 996,108 |  |  | $ | 1,231,936 |  |  | $ | 1,410,739 |  |  | $ | 13,089,942 |
Total current period gross charge-offs |  | $ | (6,324 | ) |  | $ | (2,325 | ) |  | $ | (13,873 | ) |  | $ | (6,094 | ) |  | $ | (295 | ) |  | $ | (3,658 | ) |  | $ | (2,380 | ) |  | $ | (34,949 | )
Summary of Trustmark's Portfolio Segments, Loan Classes, Loan Pools and the ACL Methodology and Loss Drivers | The following table provides a description of each of Trustmark’s portfolio segments, loan classes, loan pools and the ACL methodology and loss drivers at December 31, 2025 and 2024:
Portfolio Segment |  | Loan Class |  | Loan Pool |  | Methodology |  | Loss Drivers
Loans secured by real estate |  | Construction, land development and other land |  | 1-4 family residential construction |  | DCF |  | BBB 7-10 US CBI (1), National Unemployment
|  |  |  | Lots and development |  | DCF |  | National HPI, National Unemployment
|  |  |  | Unimproved land |  | DCF |  | National HPI, National Unemployment
|  |  |  | All other consumer |  | DCF |  | National HPI, National Unemployment
|  | Other secured by 1-4 family residential properties |  | Consumer 1-4 family - 1st liens |  | DCF |  | National HPI, Southern Unemployment (2)
|  |  |  | All other consumer |  | DCF |  | National HPI, National Unemployment
|  |  |  | Nonresidential owner-occupied |  | DCF |  | Southern Unemployment, National CRE Price Index
|  | Secured by nonfarm, nonresidential properties |  | Nonowner-occupied - hotel/motel |  | DCF |  | National CRE Price Index, Southern Unemployment
|  |  |  | Nonowner-occupied - office |  | DCF |  | National CRE Price Index, Southern Unemployment
|  |  |  | Nonowner-occupied- Retail |  | DCF |  | National CRE Price Index, Southern Unemployment
|  |  |  | Nonowner-occupied - senior living/nursing homes |  | DCF |  | National CRE Price Index, Southern Unemployment
|  |  |  | Nonowner-occupied - all other |  | DCF |  | National CRE Price Index, Southern Unemployment
|  |  |  | Nonresidential owner-occupied |  | DCF |  | Southern Unemployment, National CRE Price Index
|  | Other real estate secured |  | Nonresidential nonowner -occupied - apartments |  | DCF |  | National CRE Price Index, Southern Unemployment
|  |  |  | Nonresidential owner-occupied |  | DCF |  | Southern Unemployment, National CRE Price Index
|  |  |  | Nonowner-occupied - all other |  | DCF |  | National CRE Price Index, Southern Unemployment
Other loans secured by real estate |  | Other construction |  | Other construction |  | DCF |  | National CRE Price Index, National Unemployment, BBB 7-10 US CBI
|  | Secured by 1-4 family residential properties |  | Trustmark mortgage |  | WARM |  | Southern Unemployment
Commercial and industrial loans |  | Commercial and industrial loans |  | Commercial and industrial - non-working capital |  | DCF |  | Trustmark historical data
|  |  |  | Commercial and industrial - working capital |  | DCF |  | Trustmark historical data
|  |  |  | Equipment finance loans |  | WARM |  | Southern Unemployment, National GDP
|  |  |  | Credit cards |  | WARM |  | Trustmark call report data
Consumer loans |  | Consumer loans |  | Credit cards |  | WARM |  | Trustmark call report data
|  |  |  | Overdrafts |  | Loss Rate |  | Trustmark historical data
|  |  |  | All other consumer |  | DCF |  | National HPI, National Unemployment
State and other political subdivision loans |  | State and other political subdivision loans |  | Obligations of state and political subdivisions |  | DCF |  | Moody's Bond Default Study
Other commercial loans and leases |  | Other commercial loans and leases |  | Other loans |  | DCF |  | BBB 7-10 US CBI, Southern Unemployment
|  |  |  | Commercial and industrial - non-working capital |  | DCF |  | Trustmark historical data
|  |  |  | Commercial and industrial - working capital |  | DCF |  | Trustmark historical data
|  |  |  | Equipment finance leases |  | WARM |  | Southern Unemployment, National GDP
(1) Loss driver was National HPI at December 31, 2024. (2) Loss driver was National Unemployment at December 31, 2024.
Change in Allowance for Loan Losses | The following tables disaggregate the ACL, LHFI and the amortized cost basis of the loans by the measurement methodology used at December 31, 2025 and 2024 ($ in thousands):
|  | December 31, 2025 |
|  | ACL |  |  | LHFI |
|  | Individually Evaluated for Credit Loss |  |  | Collectively Evaluated for Credit Loss |  |  | Total ACL |  |  | Individually Evaluated for Credit Loss |  |  | Collectively Evaluated for Credit Loss |  |  | Total LHFI |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land |  | $ | — |  |  | $ | 6,632 |  |  | $ | 6,632 |  |  | $ | 156 |  |  | $ | 549,197 |  |  | $ | 549,353 |
Other secured by 1-4 family residential properties |  |  | 99 |  |  |  | 13,485 |  |  |  | 13,584 |  |  |  | 848 |  |  |  | 703,666 |  |  |  | 704,514 |
Secured by nonfarm, nonresidential properties |  |  | 141 |  |  |  | 35,042 |  |  |  | 35,183 |  |  |  | 2,531 |  |  |  | 3,301,992 |  |  |  | 3,304,523 |
Other real estate secured |  |  | — |  |  |  | 20,410 |  |  |  | 20,410 |  |  |  | 15,234 |  |  |  | 2,109,038 |  |  |  | 2,124,272 |
Other loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other construction |  |  | — |  |  |  | 4,889 |  |  |  | 4,889 |  |  |  | — |  |  |  | 595,238 |  |  |  | 595,238 |
Secured by 1-4 family residential properties |  |  | — |  |  |  | 41,087 |  |  |  | 41,087 |  |  |  | 3,414 |  |  |  | 2,348,261 |  |  |  | 2,351,675 |
Commercial and industrial loans |  |  | 811 |  |  |  | 19,758 |  |  |  | 20,569 |  |  |  | 1,804 |  |  |  | 1,997,660 |  |  |  | 1,999,464 |
Consumer loans |  |  | 103 |  |  |  | 5,740 |  |  |  | 5,843 |  |  |  | 103 |  |  |  | 163,651 |  |  |  | 163,754 |
State and other political subdivision loans |  |  | — |  |  |  | 865 |  |  |  | 865 |  |  |  | — |  |  |  | 1,061,584 |  |  |  | 1,061,584 |
Other commercial loans and leases |  |  | — |  |  |  | 8,009 |  |  |  | 8,009 |  |  |  | 764 |  |  |  | 819,092 |  |  |  | 819,856 |
Total |  | $ | 1,154 |  |  | $ | 155,917 |  |  | $ | 157,071 |  |  | $ | 24,854 |  |  | $ | 13,649,379 |  |  | $ | 13,674,233 |
|  | December 31, 2024 |
|  | ACL |  |  | LHFI |
|  | Individually Evaluated for Credit Loss |  |  | Collectively Evaluated for Credit Loss |  |  | Total |  |  | Individually Evaluated for Credit Loss |  |  | Collectively Evaluated for Credit Loss |  |  | Total |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land |  | $ | — |  |  | $ | 6,452 |  |  | $ | 6,452 |  |  | $ | — |  |  | $ | 587,244 |  |  | $ | 587,244 |
Other secured by 1-4 family residential properties |  |  | — |  |  |  | 11,347 |  |  |  | 11,347 |  |  |  | 521 |  |  |  | 650,029 |  |  |  | 650,550 |
Secured by nonfarm, nonresidential properties |  |  | 2,251 |  |  |  | 35,645 |  |  |  | 37,896 |  |  |  | 9,783 |  |  |  | 3,523,499 |  |  |  | 3,533,282 |
Other real estate secured |  |  | — |  |  |  | 19,491 |  |  |  | 19,491 |  |  |  | 1,904 |  |  |  | 1,631,926 |  |  |  | 1,633,830 |
Other loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other construction |  |  | — |  |  |  | 13,297 |  |  |  | 13,297 |  |  |  | — |  |  |  | 829,904 |  |  |  | 829,904 |
Secured by 1-4 family residential properties |  |  | — |  |  |  | 32,129 |  |  |  | 32,129 |  |  |  | 1,533 |  |  |  | 2,297,460 |  |  |  | 2,298,993 |
Commercial and industrial loans |  |  | 10,518 |  |  |  | 16,502 |  |  |  | 27,020 |  |  |  | 22,503 |  |  |  | 1,818,219 |  |  |  | 1,840,722 |
Consumer loans |  |  | — |  |  |  | 5,141 |  |  |  | 5,141 |  |  |  | — |  |  |  | 156,569 |  |  |  | 156,569 |
State and other political subdivision loans |  |  | — |  |  |  | 1,250 |  |  |  | 1,250 |  |  |  | — |  |  |  | 969,836 |  |  |  | 969,836 |
Other commercial loans and leases |  |  | 892 |  |  |  | 5,355 |  |  |  | 6,247 |  |  |  | 896 |  |  |  | 588,116 |  |  |  | 589,012 |
Total |  | $ | 13,661 |  |  | $ | 146,609 |  |  | $ | 160,270 |  |  | $ | 37,140 |  |  | $ | 13,052,802 |  |  | $ | 13,089,942 |
Changes in the ACL, LHFI were as follows for the periods presented ($ in thousands):
|  | Years Ended December 31, |
|  | 2025 |  |  | 2024 |  |  | 2023 |
Balance at beginning of period |  | $ | 160,270 |  |  | $ | 139,367 |  |  | $ | 120,214 |
Loans charge-off, sale of 1-4 family mortgage loans |  |  | — |  |  |  | (8,633 | ) |  |  | — |
Loans charged-off |  |  | (26,748 | ) |  |  | (26,316 | ) |  |  | (17,515 | )
Recoveries |  |  | 9,238 |  |  |  | 9,932 |  |  |  | 9,306 |
Net (charge-offs) recoveries |  |  | (17,510 | ) |  |  | (25,017 | ) |  |  | (8,209 | )
PCL, LHFI |  |  | 14,311 |  |  |  | 37,287 |  |  |  | 27,362 |
PCL, LHFI sale of 1-4 family mortgage loans |  |  | — |  |  |  | 8,633 |  |  |  | — |
Balance at end of period |  | $ | 157,071 |  |  | $ | 160,270 |  |  | $ | 139,367 |
The following tables detail changes in the ACL, LHFI by loan class for the years ended December 31, 2025 and 2024 ($ in thousands):
|  | 2025 |
|  | Balance |  |  |  |  |  |  |  |  |  |  |  | Balance |
|  | January 1, |  |  | Charge-offs |  |  | Recoveries |  |  | PCL |  |  | December 31, |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land |  | $ | 6,452 |  |  | $ | — |  |  | $ | 225 |  |  | $ | (45 | ) |  | $ | 6,632 |
Other secured by 1-4 family residential properties |  |  | 11,347 |  |  |  | (936 | ) |  |  | 325 |  |  |  | 2,848 |  |  |  | 13,584 |
Secured by nonfarm, nonresidential properties |  |  | 37,896 |  |  |  | (2,026 | ) |  |  | 159 |  |  |  | (846 | ) |  |  | 35,183 |
Other real estate secured |  |  | 19,491 |  |  |  | (4 | ) |  |  | 78 |  |  |  | 845 |  |  |  | 20,410 |
Other loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other construction |  |  | 13,297 |  |  |  | — |  |  |  | 35 |  |  |  | (8,443 | ) |  |  | 4,889 |
Secured by 1-4 family residential properties |  |  | 32,129 |  |  |  | (2,111 | ) |  |  | 511 |  |  |  | 10,558 |  |  |  | 41,087 |
Commercial and industrial loans |  |  | 27,020 |  |  |  | (13,013 | ) |  |  | 1,715 |  |  |  | 4,847 |  |  |  | 20,569 |
Consumer loans |  |  | 5,141 |  |  |  | (8,438 | ) |  |  | 6,077 |  |  |  | 3,063 |  |  |  | 5,843 |
State and other political subdivision loans |  |  | 1,250 |  |  |  | — |  |  |  | — |  |  |  | (385 | ) |  |  | 865 |
Other commercial loans and leases |  |  | 6,247 |  |  |  | (220 | ) |  |  | 113 |  |  |  | 1,869 |  |  |  | 8,009 |
Total |  | $ | 160,270 |  |  | $ | (26,748 | ) |  | $ | 9,238 |  |  | $ | 14,311 |  |  | $ | 157,071 |
|  | 2024 |
|  | Balance |  |  |  |  |  |  |  |  |  |  |  | Balance |
|  | January 1, |  |  | Charge-offs |  |  | Recoveries |  |  | PCL |  |  | December 31, |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land |  | $ | 17,192 |  |  | $ | (32 | ) |  | $ | 1,024 |  |  | $ | (11,732 | ) |  | $ | 6,452 |
Other secured by 1-4 family residential properties |  |  | 12,942 |  |  |  | (512 | ) |  |  | 672 |  |  |  | (1,755 | ) |  |  | 11,347 |
Secured by nonfarm, nonresidential properties |  |  | 24,043 |  |  |  | (2,545 | ) |  |  | 154 |  |  |  | 16,244 |  |  |  | 37,896 |
Other real estate secured |  |  | 4,488 |  |  |  | (89 | ) |  |  | 1 |  |  |  | 15,091 |  |  |  | 19,491 |
Other loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other construction |  |  | 5,758 |  |  |  | (2,507 | ) |  |  | 714 |  |  |  | 9,332 |  |  |  | 13,297 |
Secured by 1-4 family residential properties |  |  | 34,794 |  |  |  | (10,304 | ) |  |  | 152 |  |  |  | 7,487 |  |  |  | 32,129 |
Commercial and industrial loans |  |  | 26,638 |  |  |  | (9,048 | ) |  |  | 963 |  |  |  | 8,467 |  |  |  | 27,020 |
Consumer loans |  |  | 5,794 |  |  |  | (9,817 | ) |  |  | 6,187 |  |  |  | 2,977 |  |  |  | 5,141 |
State and other political subdivision loans |  |  | 646 |  |  |  | — |  |  |  | — |  |  |  | 604 |  |  |  | 1,250 |
Other commercial loans and leases |  |  | 7,072 |  |  |  | (95 | ) |  |  | 65 |  |  |  | (795 | ) |  |  | 6,247 |
Total |  | $ | 139,367 |  |  | $ | (34,949 | ) |  | $ | 9,932 |  |  | $ | 45,920 |  |  | $ | 160,270 |
The PCL, LHFI for the year ended December 31, 2024 was primarily attributable to loan growth, changes in the macroeconomic forecast, an increase in specific reserves on individually analyzed credits and net adjustments to the qualitative factors. The negative PCL, LHFI for the construction, land development and other land portfolio and other secured by 1-4 family residential properties portfolio for the year ended December 31, 2024 was primarily due to changes in the macroeconomic forecast associated with these specific loss driver models as a result of the loss driver update for these loan portfolios. The negative PCL, LHFI for the other commercial loans and leases portfolio for the year ended December 31, 2024 was primarily due to a decrease in loan balances.

X
- Definition Aging analysis of loans modified for borrowers experiencing financial difficulties. + References No definition available. + Details
Name: | trmk_PastDueModificationsRelatedToLoansHeldForInvestmentTableTextBlock
Namespace Prefix: | trmk_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Schedule of amortized cost basis of collateral dependent loans by class of loans. + References No definition available. + Details
Name: | trmk_ScheduleOfAmortizedCostBasisOfCollateralDependentLoansByClassOfLoansTableTextBlock
Namespace Prefix: | trmk_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Schedule of amortized cost basis of loans on nonaccrual status. + References No definition available. + Details
Name: | trmk_ScheduleOfAmortizedCostBasisOfLoansOnNonaccrualStatusTableTextBlock
Namespace Prefix: | trmk_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Summary of portfolio Segments loan classes, loan pools and ACL methodology and macroeconomic variables. + References No definition available. + Details
Name: | trmk_SummaryOfPortfolioSegmentsLoanClassesLoanPoolsAndACLMethodologyAndMacroeconomicVariablesTableTextBlock
Namespace Prefix: | trmk_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Troubled debt restructurings on financial effect. + References No definition available. + Details
Name: | trmk_TroubledDebtRestructuringsOnFinancialEffectTableTextBlock
Namespace Prefix: | trmk_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_AccountsNotesLoansAndFinancingReceivableGrossAllowanceAndNetAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + 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
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 14 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-14 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 80 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-80 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 210 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(4)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 210 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(3)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1 + Details
Name: | us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable modified for debtor experiencing financial difficulty. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 42 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-42 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 12A -Publisher FASB -URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A Reference 4: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 34 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-34 Reference 5: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 33 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-33 + Details
Name: | us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration