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Loans (Tables)

6 Months Ended

Jun. 30, 2024

Jun. 30, 2023

Non-covered Loans [Line Items]

Summary of Recorded Investment by Risk Category of Portfolio Loans by Portfolio Class and Category

The current year-to-date gross charge-offs by loan class and year of origination is presented in the following tables:

						June 30, 2024
						Term Loans by Origination Year
($ in thousands)						2023						2022						2021						2020												Prior						Revolving Loans Converted to Term Loans						Revolving Loans						Total
Commercial and industrial						$	2					$	1,414					$	—					$	66											$	768					$	—					$	3,544					$	5,794
Real estate:
Commercial - investor owned						—						—						160						—												145						—						—						305
Commercial - owner occupied						—						41						214						10												1,602						—						—						1,867
Residential						—						94						—						—												425						202						20						741
Other						—						—						58						—												80						101						—						239
Total charge-offs by origination year						$	2					$	1,549					$	432					$	76											$	3,020					$	303					$	3,564					$	8,946
Total gross charge-offs by performing status																																																						417
Total gross charge-offs																																																						$	9,363

						December 31, 2023
						Term Loans by Origination Year
($ in thousands)						2023						2022						2021						2020						2019						Prior						Revolving Loans Converted to Term Loans						Revolving Loans						Total
Commercial and industrial						$	600					$	2,999					$	1,940					$	2,539					$	—					$	—					$	12,533					$	15,178					$	35,789
Real estate:
Commercial - investor owned						—						—						170						—						4,692						7						—						—						4,869
Construction and land development						—						—						—						—						—						9						—						—						9
Residential						—						—						—						—						—						480						176						—						656
Other						—						3						459						—						—						319						12						—						793
Total charge-offs by origination year						$	600					$	3,002					$	2,569					$	2,539					$	4,692					$	815					$	12,721					$	15,178					$	42,116
Total gross charge-offs by performing status																																																						1,099
Total gross charge-offs																																																						$	43,215

The recorded investment by risk category of the loans by class and year of origination is presented in the following tables as of the dates indicated:

						June 30, 2024
						Term Loans by Origination Year
($ in thousands)						2024						2023						2022						2021						2020						Prior						Revolving Loans Converted to Term Loans						Revolving Loans						Total
Commercial and industrial
Pass (1-6)						$	806,687					$	1,263,986					$	732,677					$	248,485					$	145,095					$	104,330					$	14,802					$	1,037,021					$	4,353,083
Special Mention (7)						15,953						47,110						24,119						2,483						334						767						366						66,698						157,830
Classified (8-9)						20,159						4,402						10,919						1,876						112						293						4,047						40,023						81,831
Total Commercial and industrial						$	842,799					$	1,315,498					$	767,715					$	252,844					$	145,541					$	105,390					$	19,215					$	1,143,742					$	4,592,744
Commercial real estate-investor owned
Pass (1-6)						$	204,356					$	467,322					$	508,800					$	469,794					$	292,377					$	348,941					$	6,476					$	48,289					$	2,346,355
Special Mention (7)						774						4,842						12,258						52,169						3,519						7,447						—						1,998						83,007
Classified (8-9)						—						—						276						42						16,336						4,695						—						—						21,349
Total Commercial real estate-investor owned						$	205,130					$	472,164					$	521,334					$	522,005					$	312,232					$	361,083					$	6,476					$	50,287					$	2,450,711
Commercial real estate-owner occupied
Pass (1-6)						$	192,817					$	408,883					$	461,485					$	445,101					$	270,500					$	426,480					$	4,595					$	31,631					$	2,241,492
Special Mention (7)						7,412						8,255						5,206						13,226						9,541						19,780						—						1,717						65,137
Classified (8-9)						1,175						3,869						3,881						3,291						3,384						34,860						3,560						—						54,020
Total Commercial real estate-owner occupied						$	201,404					$	421,007					$	470,572					$	461,618					$	283,425					$	481,120					$	8,155					$	33,348					$	2,360,649
Construction real estate
Pass (1-6)						$	240,582					$	226,597					$	289,506					$	83,531					$	30,767					$	4,233					$	8					$	4,562					$	879,786
Special Mention (7)						10,485						38						1,043						300						—						226						—						—						12,092
Classified (8-9)						—						741						578						—						—						475						—						—						1,794
Total Construction real estate						$	251,067					$	227,376					$	291,127					$	83,831					$	30,767					$	4,934					$	8					$	4,562					$	893,672
Residential real estate
Pass (1-6)						$	14,804					$	52,575					$	37,717					$	47,372					$	29,351					$	86,968					$	2,125					$	73,827					$	344,739
Special Mention (7)						1,404						43						834						—						68						1,289						150						670						4,458
Classified (8-9)						—						94						111						—						—						1,691						72						108						2,076
Total residential real estate						$	16,208					$	52,712					$	38,662					$	47,372					$	29,419					$	89,948					$	2,347					$	74,605					$	351,273
Other
Pass (1-6)						$	6,630					$	6,887					$	54,931					$	62,290					$	51,609					$	29,192					$	4					$	38,059					$	249,602
Special Mention (7)						—						3,721						—						10,000						—						1,151						—						10,197						25,069
Classified (8-9)						—						—						—						—						—						6						—						—						6
Total Other						$	6,630					$	10,608					$	54,931					$	72,290					$	51,609					$	30,349					$	4					$	48,256					$	274,677
Total loans classified by risk category						$	1,523,238					$	2,499,365					$	2,144,341					$	1,439,960					$	852,993					$	1,072,824					$	36,205					$	1,354,800					$	10,923,726
Total loans classified by performing status																																																						76,281
Total loans																																																						$	11,000,007

						December 31, 2023
						Term Loans by Origination Year
($ in thousands)						2023						2022						2021						2020						2019						Prior						Revolving Loans Converted to Term Loans						Revolving Loans						Total
Commercial and industrial
Pass (1-6)						$	1,567,738					$	1,052,462					$	345,292					$	194,972					$	123,425					$	71,205					$	12,163					$	1,108,233					$	4,475,490
Special Mention (7)						52,523						6,845						8,597						544						453						242						272						19,590						89,066
Classified (8-9)						12,824						19,306						1,833						812						339						363						508						45,830						81,815
Total Commercial and industrial						$	1,633,085					$	1,078,613					$	355,722					$	196,328					$	124,217					$	71,810					$	12,943					$	1,173,653					$	4,646,371
Commercial real estate-investor owned
Pass (1-6)						$	495,131					$	544,223					$	492,974					$	323,175					$	165,343					$	236,914					$	5,222					$	51,413					$	2,314,395
Special Mention (7)						3,626						22,725						51,851						1,657						164						5,526						—						—						85,549
Classified (8-9)						9,411						1,034						43						15,838						2,831						4,919						48						—						34,124
Total Commercial real estate-investor owned						$	508,168					$	567,982					$	544,868					$	340,670					$	168,338					$	247,359					$	5,270					$	51,413					$	2,434,068
Commercial real estate-owner occupied
Pass (1-6)						$	407,901					$	486,701					$	489,589					$	301,399					$	183,872					$	313,474					$	5,083					$	30,036					$	2,218,055
Special Mention (7)						13,739						2,521						4,652						10,492						5,439						15,833						—						1,493						54,169
Classified (8-9)						3,389						3,413						2,247						3,181						8,878						24,857						5,056						—						51,021
Total Commercial real estate-owner occupied						$	425,029					$	492,635					$	496,488					$	315,072					$	198,189					$	354,164					$	10,139					$	31,529					$	2,323,245
Construction real estate
Pass (1-6)						$	292,689					$	325,010					$	96,426					$	30,956					$	1,413					$	3,408					$	10					$	3,700					$	753,612
Special Mention (7)						42						2,958						1,046						210						123						114						—						—						4,493
Classified (8-9)						1,137						704						—						—						13						466						—						—						2,320
Total Construction real estate						$	293,868					$	328,672					$	97,472					$	31,166					$	1,549					$	3,988					$	10					$	3,700					$	760,425
Residential real estate
Pass (1-6)						$	59,259					$	41,956					$	51,436					$	30,713					$	17,793					$	77,327					$	1,464					$	78,351					$	358,299
Special Mention (7)						322						—						—						—						75						1,801						—						614						2,812
Classified (8-9)						127						1,073						69						—						30						1,492						74						7,500						10,365
Total residential real estate						$	59,708					$	43,029					$	51,505					$	30,713					$	17,898					$	80,620					$	1,538					$	86,465					$	371,476
Other
Pass (1-6)						$	10,071					$	55,923					$	67,766					$	53,569					$	9,382					$	19,657					$	7					$	28,464					$	244,839
Special Mention (7)						—						—						14,472						—						—						—						—						11,645						26,117
Classified (8-9)						—						—						—						—						—						8						—						—						8
Total Other						$	10,071					$	55,923					$	82,238					$	53,569					$	9,382					$	19,665					$	7					$	40,109					$	270,964
Total loans classified by risk category						$	2,929,929					$	2,566,854					$	1,628,293					$	967,518					$	519,573					$	777,606					$	29,907					$	1,386,869					$	10,806,549
Total loans classified by performing status																																																						77,569
Total loans																																																						$	10,884,118

The following tables present the recorded investment on loans based on payment activity as of the dates indicated:

			June 30, 2024
($ in thousands)			Performing						Non Performing						Total
Commercial and industrial			$	26,665					$	39					$	26,704
Real estate:
Commercial - investor owned			17,530						—						17,530
Commercial - owner occupied			27,861						—						27,861
Residential			661						—						661
Other			3,517						8						3,525
Total			$	76,234					$	47					$	76,281

			December 31, 2023
($ in thousands)			Performing						Non Performing						Total
Commercial and industrial			$	26,076					$	112					$	26,188
Real estate:
Commercial - investor owned			17,885						—						17,885
Commercial - owner occupied			28,373						—						28,373
Residential			712						—						712
Other			4,406						5						4,411
Total			$	77,452					$	117					$	77,569

Loan Modification

The following tables show the recorded investment at the end of the dates listed for loans modified to borrowers experiencing financial difficulty, disaggregated by loan class and type of concession granted:

			Term Extension
			Three months ended
($ in thousands)			June 30, 2024						Percent of Total Loan Class
Commercial and industrial			$	5,619					0.12		%

			Term Extension												Payment Delay												Total
			Six months ended												Six months ended												Six months ended
($ in thousands)			June 30, 2024						Percent of Total Loan Class						June 30, 2024						Percent of Total Loan Class						June 30, 2024						Percent of Total Loan Class
Commercial and industrial			$	50,260					1.09		%				$	567					0.01		%				$	50,827					1.10		%
Real estate:
Commercial - investor owned			8,409						0.34		%				—						—		%				8,409						0.34		%
Commercial - owner occupied			94						NM						—						—		%				94						NM
Residential			7,644						2.17		%				—						—		%				7,644						2.17		%
Total			$	66,407											$	567											$	66,974

			Term Extension
			Three months ended												Six months ended
(in thousands)			June 30, 2023						Percent of Total Loan Class						June 30, 2023						Percent of Total Loan Class
Commercial and industrial			$	6,533					0.15		%				$	27,690					0.63		%
Real estate:
Commercial - owner occupied			95						—		%				95						—		%
Construction and land development			396						0.06		%				1,138						0.17		%
Residential			74						0.02		%				74						0.02		%
Total			$	7,098											$	28,997

The following tables summarize the financial impacts of loan modifications made to borrowers experiencing financial difficulty and outstanding at the date indicated:

			Weighted Average Term Extension (in months)												Weighted Average Term Extension (in months)						Payment Delay
			Three months ended									Six months ended
($ in thousands)			June 30, 2024												June 30, 2024
Commercial and industrial			7												4						$	85
Real estate:
Commercial - investor owned			—												3						—
Commercial - owner occupied			—												3						—
Residential			—												12						—

			Weighted Average Term Extension (in months)
			Three months ended						Six months ended
			June 30, 2023						June 30, 2023
Commercial and industrial			5						6
Real estate:
Commercial - owner occupied			3						3
Construction and land development			6						8
Residential			5						5

The following table shows the aging of the recorded investment in modified loans in the last 12 months by class at the date indicated:

			June 30, 2024
($ in thousands)			Current						30-89 Days  Past Due						90 or More Days Past Due						Total
Commercial and industrial			$	44,450					$	500					$	—					$	44,950
Real estate:
Commercial - owner occupied			—						92						—						92
Construction and land development			—						—						741						741
Residential			94						72						—						166
Total			$	44,544					$	664					$	741					$	45,949

			June 30, 2023
($ in thousands)			Current												90 or More Days Past Due						Total
Commercial and industrial			$	27,029											$	661					$	27,690
Real estate:
Commercial - owner occupied			95												—						95
Construction and land development			1,138												—						1,138
Residential			74												—						74
Total			$	28,336											$	661					$	28,997

Summary of Amortized Cost Basis that Had Payment Default and Modified in 12 Months Before Default

The following table summarizes loans that experienced a default during the six months ended June 30, 2024, subsequent to being granted a modification in the preceding twelve months. All of these loans were charged off during the preceding period. There were no loans that experienced a default during the three months ended June 30, 2024, subsequent to being granted a modification in the preceding twelve months.

															Term Extension
									Six months ended
($ in thousands)															June 30, 2024						Percent of Total Loan Class
Commercial and industrial															$	1,000					0.02		%
Real estate:
Construction and land development															1,748						0.20		%
Other															4						NM
Total															$	2,752

Noncovered Loans

Non-covered Loans [Line Items]

Summary of Portfolio Loans by Category

The following table presents a summary of loans by category:

($ in thousands)			June 30, 2024						December 31, 2023
Commercial and industrial			$	4,622,028					$	4,674,056
Real estate:
Commercial - investor owned			2,468,895						2,452,402
Commercial - owner occupied			2,380,957						2,344,117
Construction and land development			893,776						760,122
Residential			351,588						371,995
Total real estate loans			6,095,216						5,928,636
Other			285,149						285,653
Loans, before unearned loan fees			11,002,393						10,888,345
Unearned loan fees, net			(2,386)						(4,227)
Loans, including unearned loan fees			$	11,000,007					$	10,884,118

Summary of Allowance for Loan Losses and the Recorded Investment in Portfolio Loans by Class and Category Based on Impairment Method

A summary of the activity, by loan category, in the ACL on loans for the three and six months ended June 30, 2024 and 2023 is as follows:

($ in thousands)			Commercial and industrial						CRE - investor owned						CRE - owner occupied						Construction and land development						Residential real estate						Other						Total
Allowance for credit losses on loans:
Balance at March 31, 2024			$	58,714					$	31,196					$	24,807					$	9,825					$	6,479					$	4,477					$	135,498
Provision (benefit) for credit losses			1,808						724						1,253						1,655						(1,087)						218						4,571
Charge-offs			(556)						(17)						(1,755)						—						(244)						(158)						(2,730)
Recoveries			1,512						—						11						24						440						138						2,125
Balance at June 30, 2024			$	61,478					$	31,903					$	24,316					$	11,504					$	5,588					$	4,675					$	139,464

($ in thousands)			Commercial and industrial						CRE - investor owned						CRE - owner occupied						Construction and land development						Residential real estate						Other						Total
Allowance for credit losses on loans:
Balance at December 31, 2023			$	58,886					$	31,280					$	23,405					$	10,198					$	6,142					$	4,860					$	134,771
Provision (benefit) for credit losses			6,786						864						2,753						1,276						(681)						164						11,162
Charge-offs			(5,909)						(322)						(1,867)						—						(741)						(541)						(9,380)
Recoveries			1,715						81						25						30						868						192						2,911
Balance at June 30, 2024			$	61,478					$	31,903					$	24,316					$	11,504					$	5,588					$	4,675					$	139,464

($ in thousands)			Commercial and industrial						CRE - investor owned						CRE - owner occupied						Construction and land development						Residential real estate						Other												Total
Allowance for credit losses on loans:
Balance at March 31, 2023			$	59,149					$	36,266					$	22,328					$	8,889					$	6,997					$	4,666											$	138,295
Provision (benefit) for credit losses			3,857						(2,420)						299						3,898						618						(255)												5,997
Charge-offs			(3,289)						(7)						—						—						(421)						(251)												(3,968)
Recoveries			601						37						73						8						227						49												995
Balance at June 30, 2023			$	60,318					$	33,876					$	22,700					$	12,795					$	7,421					$	4,209											$	141,319

($ in thousands)			Commercial and industrial						CRE - investor owned						CRE - owner occupied						Construction and land development						Residential real estate						Other												Total
Allowance for credit losses on loans:
Balance at December 31, 2022			$	53,835					$	36,191					$	22,752					$	11,444					$	7,928					$	4,782											$	136,932
Provision (benefit) for credit losses			8,940						(2,198)						(141)						1,320						(533)						(292)												7,096
Charge-offs			(3,996)						(177)						—						(9)						(523)						(443)												(5,148)
Recoveries			1,539						60						89						40						549						162												2,439
Balance at June 30, 2023			$	60,318					$	33,876					$	22,700					$	12,795					$	7,421					$	4,209											$	141,319

Schedule of Recorded Investment in Nonperforming Loans by Category

The following tables present the recorded investment in nonperforming loans by category, excluding government guaranteed balances:

			June 30, 2024
($ in thousands)			Nonaccrual												Loans over 90 days past due and still accruing interest						Total nonperforming loans						Nonaccrual loans with no allowance
Commercial and industrial			$	6,978											$	364					$	7,342					$	335
Real estate:
Commercial - investor owned			18,417												—						18,417						961
Commercial - owner occupied			11,404												945						12,349						7,135
Construction and land development			1,268												—						1,268						527
Other			—												8						8						—
Total			$	38,067											$	1,317					$	39,384					$	8,958

			December 31, 2023
($ in thousands)			Nonaccrual												Loans over 90 days past due and still accruing interest						Total nonperforming loans						Nonaccrual loans with no allowance
Commercial and industrial			$	7,641											$	115					$	7,756					$	6,179
Real estate:
Commercial - investor owned			20,404												—						20,404						19,466
Commercial - owner occupied			12,972												363						13,335						9,010
Construction and land development			1,205												64						1,269						464
Residential			959												—						959						959
Other			—												5						5						—
Total			$	43,181											$	547					$	43,728					$	36,078

Schedule of Collateral Dependent Loans

Collateral-dependent nonperforming loans by class of loan is presented as of the dates indicated:

			June 30, 2024
			Type of Collateral
($ in thousands)			Commercial Real Estate						Residential Real Estate						Blanket Lien						Other
Commercial and industrial			$	653					$	—					$	—					$	4,018
Real estate:
Commercial - investor owned			18,417						—						—						—
Commercial - owner occupied			4,943						1,511						3,468						—
Construction and land development			—						741						—						—
Total			$	24,013					$	2,252					$	3,468					$	4,018

			December 31, 2023
			Type of Collateral
($ in thousands)			Commercial Real Estate						Residential Real Estate						Blanket Lien						Other
Commercial and industrial			$	527					$	1,864					$	344					$	3,445
Real estate:
Commercial - investor owned			19,467						—						—						—
Commercial - owner occupied			5,904						1,638						1,831						—
Construction and land development			528						741						—						—
Residential			—						959						—						—
Total			$	26,426					$	5,202					$	2,175					$	3,445

Summary of Aging of Recorded Investment in Past Due Portfolio Loans by Portfolio Class and Category

The aging of the recorded investment in past due loans by class and category is presented as of the dates indicated.

			June 30, 2024
($ in thousands)			30-89 Days  Past Due						90 or More Days Past Due						Total Past Due						Current						Total
Commercial and industrial			$	9,192					$	9,238					$	18,430					$	4,603,598					$	4,622,028
Real estate:
Commercial - investor owned			245						17,455						17,700						2,451,195						2,468,895
Commercial - owner occupied			17,058						17,671						34,729						2,346,228						2,380,957
Construction and land development			2,750						2,648						5,398						888,378						893,776
Residential			461						—						461						351,127						351,588
Other			26						8						34						285,115						285,149
Loans, before unearned loan fees			$	29,732					$	47,020					$	76,752					$	10,925,641					$	11,002,393
Unearned loan fees, net																											(2,386)
Total																											$	11,000,007

			December 31, 2023
($ in thousands)			30-89 Days  Past Due						90 or More Days Past Due						Total Past Due						Current						Total
Commercial and industrial			$	3,445					$	9,037					$	12,482					$	4,661,574					$	4,674,056
Real estate:
Commercial - investor owned			1,905						18,395						20,300						2,432,102						2,452,402
Commercial - owner occupied			8,409						14,142						22,551						2,321,566						2,344,117
Construction and land development			770						1,908						2,678						757,444						760,122
Residential			1,620						959						2,579						369,416						371,995
Other			82						4						86						285,567						285,653
Loans, before unearned loan fees			$	16,231					$	44,445					$	60,676					$	10,827,669					$	10,888,345
Unearned loan fees, net																											(4,227)
Total																											$	10,884,118

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