XML 34 R23.htm IDEA: XBRL DOCUMENT
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Loans (Tables) | 9 Months Ended
--- | ---
Sep. 30, 2024 | Sep. 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:
|  | September 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 |  | $ | 312 |  |  | $ | 2 |  |  | $ | 1,414 |  |  | $ | 35 |  |  | $ | 66 |  |  |  |  | $ | 767 |  |  | $ | — |  |  | $ | 3,589 |  |  | $ | 6,185 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial - investor owned |  | — |  |  | — |  |  | — |  |  | 160 |  |  | — |  |  |  |  | 145 |  |  | — |  |  | — |  |  | 305 |
Commercial - owner occupied |  | — |  |  | — |  |  | 41 |  |  | 475 |  |  | 10 |  |  |  |  | 2,262 |  |  | — |  |  | — |  |  | 2,788 |
Construction and land development |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,224 |  |  |  |  | — |  |  | — |  |  | — |  |  | 3,224 |
Residential |  | — |  |  | — |  |  | 94 |  |  | 15 |  |  | — |  |  |  |  | 425 |  |  | 202 |  |  | 24 |  |  | 760 |
Other |  | — |  |  | — |  |  | — |  |  | 58 |  |  | — |  |  |  |  | 79 |  |  | 101 |  |  | 1 |  |  | 239 |
Total charge-offs by origination year |  | $ | 312 |  |  | $ | 2 |  |  | $ | 1,549 |  |  | $ | 743 |  |  | $ | 3,300 |  |  |  |  | $ | 3,678 |  |  | $ | 303 |  |  | $ | 3,614 |  |  | $ | 13,501 |
Total gross charge-offs by performing status |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 635 |
Total gross charge-offs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 14,136 |
|  | 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:
|  | September 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) |  | $ | 1,082,070 |  |  | $ | 1,097,726 |  |  | $ | 680,423 |  |  | $ | 201,756 |  |  | $ | 137,028 |  |  | $ | 81,666 |  |  | $ | 18,343 |  |  | $ | 1,022,691 |  |  | $ | 4,321,703 |
Special Mention (7) |  | 34,554 |  |  | 49,464 |  |  | 10,172 |  |  | 2,247 |  |  | 959 |  |  | 676 |  |  | 689 |  |  | 77,906 |  |  | 176,667 |
Classified (8-9) |  | 20,350 |  |  | 3,565 |  |  | 24,641 |  |  | — |  |  | 93 |  |  | 265 |  |  | 3,818 |  |  | 44,109 |  |  | 96,841 |
Total Commercial and industrial |  | $ | 1,136,974 |  |  | $ | 1,150,755 |  |  | $ | 715,236 |  |  | $ | 204,003 |  |  | $ | 138,080 |  |  | $ | 82,607 |  |  | $ | 22,850 |  |  | $ | 1,144,706 |  |  | $ | 4,595,211 |
Commercial real estate-investor owned |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 356,106 |  |  | $ | 447,856 |  |  | $ | 496,385 |  |  | $ | 445,628 |  |  | $ | 283,675 |  |  | $ | 307,900 |  |  | $ | 7,301 |  |  | $ | 49,160 |  |  | $ | 2,394,011 |
Special Mention (7) |  | 762 |  |  | 4,552 |  |  | 12,488 |  |  | 65,821 |  |  | 2,051 |  |  | 8,573 |  |  | — |  |  | 1,998 |  |  | 96,245 |
Classified (8-9) |  | 259 |  |  | — |  |  | 273 |  |  | 42 |  |  | 13,158 |  |  | 4,653 |  |  | — |  |  | — |  |  | 18,385 |
Total Commercial real estate-investor owned |  | $ | 357,127 |  |  | $ | 452,408 |  |  | $ | 509,146 |  |  | $ | 511,491 |  |  | $ | 298,884 |  |  | $ | 321,126 |  |  | $ | 7,301 |  |  | $ | 51,158 |  |  | $ | 2,508,641 |
Commercial real estate-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 333,337 |  |  | $ | 356,368 |  |  | $ | 448,514 |  |  | $ | 421,894 |  |  | $ | 254,424 |  |  | $ | 389,046 |  |  | $ | 6,100 |  |  | $ | 29,814 |  |  | $ | 2,239,497 |
Special Mention (7) |  | 9,660 |  |  | 9,792 |  |  | 3,931 |  |  | 14,196 |  |  | 8,961 |  |  | 18,482 |  |  | — |  |  | — |  |  | 65,022 |
Classified (8-9) |  | — |  |  | 3,019 |  |  | 4,803 |  |  | 5,729 |  |  | 3,953 |  |  | 37,019 |  |  | 828 |  |  | 1,708 |  |  | 57,059 |
Total Commercial real estate-owner occupied |  | $ | 342,997 |  |  | $ | 369,179 |  |  | $ | 457,248 |  |  | $ | 441,819 |  |  | $ | 267,338 |  |  | $ | 444,547 |  |  | $ | 6,928 |  |  | $ | 31,522 |  |  | $ | 2,361,578 |
Construction real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 304,590 |  |  | $ | 239,275 |  |  | $ | 220,377 |  |  | $ | 79,666 |  |  | $ | 30,526 |  |  | $ | 3,920 |  |  | $ | 6 |  |  | $ | 4,645 |  |  | $ | 883,005 |
Special Mention (7) |  | 10,486 |  |  | 35 |  |  | 1,093 |  |  | 297 |  |  | — |  |  | 226 |  |  | — |  |  | — |  |  | 12,137 |
Classified (8-9) |  | — |  |  | — |  |  | 600 |  |  | — |  |  | — |  |  | 583 |  |  | — |  |  | — |  |  | 1,183 |
Total Construction real estate |  | $ | 315,076 |  |  | $ | 239,310 |  |  | $ | 222,070 |  |  | $ | 79,963 |  |  | $ | 30,526 |  |  | $ | 4,729 |  |  | $ | 6 |  |  | $ | 4,645 |  |  | $ | 896,325 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 28,158 |  |  | $ | 49,246 |  |  | $ | 36,088 |  |  | $ | 41,609 |  |  | $ | 28,738 |  |  | $ | 83,305 |  |  | $ | 2,171 |  |  | $ | 79,021 |  |  | $ | 348,336 |
Special Mention (7) |  | 1,399 |  |  | 41 |  |  | 607 |  |  | — |  |  | 67 |  |  | 1,547 |  |  | 149 |  |  | 585 |  |  | 4,395 |
Classified (8-9) |  | — |  |  | 91 |  |  | 109 |  |  | — |  |  | — |  |  | 1,623 |  |  | 71 |  |  | — |  |  | 1,894 |
Total residential real estate |  | $ | 29,557 |  |  | $ | 49,378 |  |  | $ | 36,804 |  |  | $ | 41,609 |  |  | $ | 28,805 |  |  | $ | 86,475 |  |  | $ | 2,391 |  |  | $ | 79,606 |  |  | $ | 354,625 |
Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 25,386 |  |  | $ | 6,514 |  |  | $ | 54,482 |  |  | $ | 60,313 |  |  | $ | 50,988 |  |  | $ | 32,456 |  |  | $ | 5 |  |  | $ | 42,474 |  |  | $ | 272,618 |
Special Mention (7) |  | — |  |  | 3,023 |  |  | — |  |  | — |  |  | — |  |  | 1,799 |  |  | — |  |  | 7,377 |  |  | 12,199 |
Classified (8-9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5 |  |  | — |  |  | — |  |  | 5 |
Total Other |  | $ | 25,386 |  |  | $ | 9,537 |  |  | $ | 54,482 |  |  | $ | 60,313 |  |  | $ | 50,988 |  |  | $ | 34,260 |  |  | $ | 5 |  |  | $ | 49,851 |  |  | $ | 284,822 |
Total loans classified by risk category |  | $ | 2,207,117 |  |  | $ | 2,270,567 |  |  | $ | 1,994,986 |  |  | $ | 1,339,198 |  |  | $ | 814,621 |  |  | $ | 973,744 |  |  | $ | 39,481 |  |  | $ | 1,361,488 |  |  | $ | 11,001,202 |
Total loans classified by performing status |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 78,690 |
Total loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 11,079,892 |
|  | 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:
| September 30, 2024
($ in thousands) | Performing |  | Non Performing |  | Total
Commercial and industrial | $ | 33,051 |  |  | $ | 226 |  |  | $ | 33,277 |
Real estate: |  |  |  |  |
Commercial - investor owned | 17,352 |  |  | — |  |  | 17,352 |
Commercial - owner occupied | 27,605 |  |  | — |  |  | 27,605 |
Residential | 654 |  |  | — |  |  | 654 |
Other | (198) |  |  | — |  |  | (198) |
Total | $ | 78,464 |  |  | $ | 226 |  |  | $ | 78,690 |
| 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) | September 30, 2024 |  | Percent of Total Loan Class |  |  |  |  |  |  |  |
Commercial and industrial | $ | 9,996 |  |  | 0.22 | % |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |
Commercial - investor owned | 258 |  |  | 0.01 | % |  |  |  |  |  |  |  |
Total | $ | 10,254 |  |  |  |  |  |  |  |  |  |  |
| Term Extension |  | Payment Delay |  | Total
| Nine months ended |  | Nine months ended |  | Nine months ended
($ in thousands) | September 30, 2024 |  | Percent of Total Loan Class |  | September 30, 2024 |  | Percent of Total Loan Class |  | September 30, 2024 |  | Percent of Total Loan Class
Commercial and industrial | $ | 60,256 |  |  | 1.30 | % |  | $ | 567 |  |  | 0.01 | % |  | $ | 60,823 |  |  | 1.31 | %
Real estate: |  |  |  |  |  |  |  |  |  |  |
Commercial - investor owned | 8,667 |  |  | 0.34 | % |  | — |  |  | — | % |  | 8,667 |  |  | 0.34 | %
Commercial - owner occupied | 94 |  |  | NM |  | — |  |  | — | % |  | 94 |  |  | NM
Residential | 7,644 |  |  | 2.15 | % |  | — |  |  | — | % |  | 7,644 |  |  | 2.15 | %
Total | $ | 76,661 |  |  |  |  | $ | 567 |  |  |  |  | $ | 77,228 |  |  |
| Term Extension
| Three months ended |  | Nine months ended
($ in thousands) | September 30, 2023 |  | Percent of Total Loan Class |  | September 30, 2023 |  | Percent of Total Loan Class
Commercial and industrial | $ | 66 |  |  | — | % |  | $ | 26,033 |  |  | 0.59 | %
Real estate: |  |  |  |  |  |  |
Commercial - investor owned | 1,000 |  |  | 0.04 | % |  | 1,000 |  |  | 0.04 | %
Commercial - owner occupied | — |  |  | — | % |  | 94 |  |  | — | %
Construction and land development | — |  |  | — | % |  | 1,137 |  |  | 0.16 | %
Residential | 28 |  |  | 0.01 | % |  | 102 |  |  | 0.03 | %
Total | $ | 1,094 |  |  |  |  | $ | 28,366 |  |  |
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 |  | Nine months ended
($ in thousands) | September 30, 2024 |  |  |  | September 30, 2024
Commercial and industrial | 7 |  |  |  | 5 |  | $ | 85 |
Real estate: |  |  |  |  |  |  |
Commercial - investor owned | — |  |  |  |  | 4 |  | — |
Commercial - owner occupied | 12 |  |  |  | 3 |  | — |
Residential | — |  |  |  |  | 12 |  | — |
| Weighted Average Term Extension (in months)
| Three months ended |  | Nine months ended
| September 30, 2023 |  | September 30, 2023
Commercial and industrial | 4 |  | 9
Real estate: |  |  |
Commercial - investor owned | 3 |  | 3
Commercial - owner occupied | — |  |  | 5
Construction and land development | — |  |  | 10
Residential | 60 |  | 22
The following table shows the aging of the recorded investment in modified loans in the last 12 months by class at the date indicated:
| September 30, 2024
($ in thousands) | Current |  | 30-89 Days Past Due |  | 90 or More Days Past Due |  | Total
Commercial and industrial | $ | 52,488 |  |  | $ | — |  |  | $ | — |  |  | $ | 52,488 |
Real estate: |  |  |  |  |  |  |
Commercial - investor owned | 259 |  |  | — |  |  | — |  |  | 259 |
Commercial - owner occupied | — |  |  | 92 |  |  | — |  |  | 92 |
Residential | 70 |  |  | 70 |  |  | — |  |  | 140 |
Total | $ | 52,817 |  |  | $ | 162 |  |  | $ | — |  |  | $ | 52,979 |
| September 30, 2023
($ in thousands) | Current |  |  |  | 30-89 Days Past Due |  | 90 or More Days Past Due |  | Total
Commercial and industrial | $ | 25,483 |  |  |  |  | $ | 550 |  |  | $ | — |  |  | $ | 26,033 |
Real estate: |  |  |  |  |  |  |  |  |
Commercial - investor owned | — |  |  |  |  | 1,000 |  |  | — |  |  | 1,000 |
Commercial - owner occupied | 94 |  |  |  |  | — |  |  | — |  |  | 94 |
Construction and land development | 741 |  |  |  |  | 396 |  |  | — |  |  | 1,137 |
Residential | 102 |  |  |  |  | — |  |  | — |  |  | 102 |
Total | $ | 26,420 |  |  |  |  | $ | 1,946 |  |  | $ | — |  |  | $ | 28,366 |
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 nine months ended September 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 September 30, 2024 or September 30, 2023, subsequent to being granted a modification in the preceding twelve months. Default is defined as movement to nonperforming status, foreclosure or charge-off.
|  |  |  |  | Term Extension
|  |  | Nine months ended
($ in thousands) |  |  |  |  | September 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) | September 30, 2024 |  | December 31, 2023
Commercial and industrial | $ | 4,631,613 |  |  | $ | 4,674,056 |
Real estate: |  |  |
Commercial - investor owned | 2,526,696 |  |  | 2,452,402 |
Commercial - owner occupied | 2,381,636 |  |  | 2,344,117 |
Construction and land development | 896,768 |  |  | 760,122 |
Residential | 354,888 |  |  | 371,995 |
Total real estate loans | 6,159,988 |  |  | 5,928,636 |
Other | 290,052 |  |  | 285,653 |
Loans, before unearned loan fees | 11,081,653 |  |  | 10,888,345 |
Unearned loan fees, net | (1,761) |  |  | (4,227) |
Loans, including unearned loan fees | $ | 11,079,892 |  |  | $ | 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 nine months ended September 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 June 30, 2024 | $ | 61,478 |  |  | $ | 31,903 |  |  | $ | 24,316 |  |  | $ | 11,504 |  |  | $ | 5,588 |  |  | $ | 4,675 |  |  | $ | 139,464 |
Provision (benefit) for credit losses | 2,360 |  |  | 1,050 |  |  | (935) |  |  | 1,766 |  |  | 266 |  |  | (343) |  |  | 4,164 |
Charge-offs | (440) |  |  | — |  |  | (906) |  |  | (3,224) |  |  | (19) |  |  | (184) |  |  | (4,773) |
Recoveries | 662 |  |  | 30 |  |  | 25 |  |  | 21 |  |  | 140 |  |  | 45 |  |  | 923 |
Balance at September 30, 2024 | $ | 64,060 |  |  | $ | 32,983 |  |  | $ | 22,500 |  |  | $ | 10,067 |  |  | $ | 5,975 |  |  | $ | 4,193 |  |  | $ | 139,778 |
($ 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 | 9,146 |  |  | 1,914 |  |  | 1,818 |  |  | 3,042 |  |  | (415) |  |  | (179) |  |  | 15,326 |
Charge-offs | (6,349) |  |  | (305) |  |  | (2,773) |  |  | (3,224) |  |  | (760) |  |  | (725) |  |  | (14,136) |
Recoveries | 2,377 |  |  | 94 |  |  | 50 |  |  | 51 |  |  | 1,008 |  |  | 237 |  |  | 3,817 |
Balance at September 30, 2024 | $ | 64,060 |  |  | $ | 32,983 |  |  | $ | 22,500 |  |  | $ | 10,067 |  |  | $ | 5,975 |  |  | $ | 4,193 |  |  | $ | 139,778 |
($ 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 June 30, 2023 | $ | 60,318 |  |  | $ | 33,876 |  |  | $ | 22,700 |  |  | $ | 12,795 |  |  | $ | 7,421 |  |  | $ | 4,209 |  |  |  |  | $ | 141,319 |
Provision (benefit) for credit losses | 3,914 |  |  | 2,851 |  |  | 2,705 |  |  | (1,662) |  |  | (939) |  |  | 801 |  |  |  |  | 7,670 |
Charge-offs | (2,794) |  |  | (4,692) |  |  | — |  |  | — |  |  | (131) |  |  | (686) |  |  |  |  | (8,303) |
Recoveries | 1,038 |  |  | 27 |  |  | 28 |  |  | 14 |  |  | 271 |  |  | 69 |  |  |  |  | 1,447 |
Balance at September 30, 2023 | $ | 62,476 |  |  | $ | 32,062 |  |  | $ | 25,433 |  |  | $ | 11,147 |  |  | $ | 6,622 |  |  | $ | 4,393 |  |  |  |  | $ | 142,133 |
($ 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 | 12,854 |  |  | 653 |  |  | 2,564 |  |  | (342) |  |  | (1,472) |  |  | 509 |  |  |  |  | 14,766 |
Charge-offs | (6,790) |  |  | (4,869) |  |  | — |  |  | (9) |  |  | (654) |  |  | (1,129) |  |  |  |  | (13,451) |
Recoveries | 2,577 |  |  | 87 |  |  | 117 |  |  | 54 |  |  | 820 |  |  | 231 |  |  |  |  | 3,886 |
Balance at September 30, 2023 | $ | 62,476 |  |  | $ | 32,062 |  |  | $ | 25,433 |  |  | $ | 11,147 |  |  | $ | 6,622 |  |  | $ | 4,393 |  |  |  |  | $ | 142,133 |
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:
| September 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 | $ | 6,648 |  |  |  |  | $ | 227 |  |  | $ | 6,875 |  |  | $ | 296 |
Real estate: |  |  |  |  |  |  |  |  |
Commercial - investor owned | 14,284 |  |  |  |  | — |  |  | 14,284 |  |  | — |
Commercial - owner occupied | 6,432 |  |  |  |  | — |  |  | 6,432 |  |  | 4,577 |
Construction and land development | 527 |  |  |  |  | — |  |  | 527 |  |  | 527 |
Residential | 258 |  |  |  |  | — |  |  | 258 |  |  | — |
Total | $ | 28,149 |  |  |  |  | $ | 227 |  |  | $ | 28,376 |  |  | $ | 5,400 |
| 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:
| September 30, 2024
| Type of Collateral
($ in thousands) | Commercial Real Estate |  | Residential Real Estate |  | Blanket Lien |  | Other
Commercial and industrial | $ | 296 |  |  | $ | — |  |  | $ | — |  |  | $ | 3,733 |
Real estate: |  |  |  |  |  |  |
Commercial - investor owned | 14,284 |  |  | — |  |  | — |  |  | — |
Commercial - owner occupied | 3,715 |  |  | 482 |  |  | 736 |  |  | — |
Total | $ | 18,295 |  |  | $ | 482 |  |  | $ | 736 |  |  | $ | 3,733 |
| 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.
| September 30, 2024
($ in thousands) | 30-89 Days Past Due |  | 90 or More Days Past Due |  | Total Past Due |  | Current |  | Total
Commercial and industrial | $ | 8,262 |  |  | $ | 2,452 |  |  | $ | 10,714 |  |  | $ | 4,620,899 |  |  | $ | 4,631,613 |
Real estate: |  |  |  |  |  |  |  |  |
Commercial - investor owned | 273 |  |  | 14,284 |  |  | 14,557 |  |  | 2,512,139 |  |  | 2,526,696 |
Commercial - owner occupied | 16,310 |  |  | 9,397 |  |  | 25,707 |  |  | 2,355,929 |  |  | 2,381,636 |
Construction and land development | — |  |  | 1,907 |  |  | 1,907 |  |  | 894,861 |  |  | 896,768 |
Residential | 6,594 |  |  | 258 |  |  | 6,852 |  |  | 348,036 |  |  | 354,888 |
Other | — |  |  | — |  |  | — |  |  | 290,052 |  |  | 290,052 |
Loans, before unearned loan fees | $ | 31,439 |  |  | $ | 28,298 |  |  | $ | 59,737 |  |  | $ | 11,021,916 |  |  | $ | 11,081,653 |
Unearned loan fees, net |  |  |  |  |  |  |  |  | (1,761) |
Total |  |  |  |  |  |  |  |  | $ | 11,079,892 |
| 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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