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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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