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Loans (Tables) | 12 Months Ended
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Dec. 31, 2025
Non-covered Loans [Line Items] |
Schedule of Collateral Dependent Loans | The following tables present a summary of collateral-dependent nonperforming loans by class of loan as of the dates indicated:
| December 31, 2025
| Type of Collateral
($ in thousands) | CRE |  | Residential Real Estate |  | Blanket Lien |  | Other
C&I | $ | — |  |  | $ | 19 |  |  | $ | 3,391 |  |  | $ | 15,644 |
Real estate: |  |  |  |  |  |  |
Commercial - investor owned | 35,701 |  |  | — |  |  | — |  |  | — |
Commercial - owner occupied | 4,610 |  |  | 456 |  |  | — |  |  | — |
Residential | — |  |  | 8,099 |  |  | — |  |  | — |
Total | $ | 40,311 |  |  | $ | 8,574 |  |  | $ | 3,391 |  |  | $ | 15,644 |
| December 31, 2024
| Type of Collateral
($ in thousands) | CRE |  | Residential Real Estate |  | Blanket Lien |  | Other |  |
C&I | $ | — |  |  | $ | — |  |  | $ | 4,279 |  |  | $ | 3,495 |  |  |
Real estate: |  |  |  |  |  |  |  |  |
Commercial - investor owned | 14,136 |  |  | — |  |  | — |  |  | — |  |  |
Commercial - owner occupied | 7,521 |  |  | 482 |  |  | 486 |  |  | — |  |  |
Total | $ | 21,657 |  |  | $ | 482 |  |  | $ | 4,765 |  |  | $ | 3,495 |  |  |
Summary of Recorded Investment by for Portfolio Loans Restructured | The following tables present the recorded balance for the periods listed of loans modified to borrowers experiencing financial difficulty, disaggregated by loan class and type of concession granted:
| Term Extension |  | Interest Rate Reduction |  | Total
| Twelve months ended |  | Twelve months ended |  | Twelve months ended
($ in thousands) | December 31, 2025 |  | Percent of Total Loan Class |  | December 31, 2025 |  | Percent of Total Loan Class |  | December 31, 2025 |  | Percent of Total Loan Class
C&I | $ | 51,384 |  |  | 0.98 | % |  | $ | — |  |  | — | % |  | $ | 51,384 |  |  | 0.98 | %
Real estate: |  |  |  |  |  |  |  |  |  |  |
Commercial - investor owned | 242 |  |  | 0.01 | % |  | — |  |  | — | % |  | 242 |  |  | 0.01 | %
Commercial - owner occupied | 5,815 |  |  | 0.24 | % |  | 9,408 |  |  | 0.38 | % |  | 15,223 |  |  | 0.62 | %
Residential | 460 |  |  | 0.13 | % |  | — |  |  | — | % |  | 460 |  |  | 0.13 | %
Total | $ | 57,901 |  |  | 0.49 | % |  | $ | 9,408 |  |  | 0.08 | % |  | $ | 67,309 |  |  | 0.57 | %
| Term Extension |  | Payment Delay |  | Total
| Twelve months ended |  | Twelve months ended |  | Twelve months ended
($ in thousands) | December 31, 2024 |  | Percent of Total Loan Class |  | December 31, 2024 |  | Percent of Total Loan Class |  | December 31, 2024 |  | Percent of Total Loan Class
C&I | $ | 43,094 |  |  | 0.91 | % |  | $ | 567 |  |  | 0.01 | % |  | $ | 43,661 |  |  | 0.92 | %
Real estate: |  |  |  |  |  |  |  |  |  |  |
Commercial - investor owned | 256 |  |  | 0.01 | % |  | — |  |  | — | % |  | 256 |  |  | 0.01 | %
Commercial - owner occupied | 12,890 |  |  | 0.54 | % |  | — |  |  | — | % |  | 12,890 |  |  | 0.54 | %
Residential | 69 |  |  | 0.02 | % |  | — |  |  | — | % |  | 69 |  |  | 0.02 | %
Total | $ | 56,309 |  |  | 0.50 | % |  | $ | 567 |  |  | 0.01 | % |  | $ | 56,876 |  |  | 0.51 | %
The Company had $10.8 million in commitments to lend additional funds to borrowers experiencing financial difficulty included in the previous table at December 31, 2025. There were $0.5 million and $6.6 million of loans modified to borrowers experiencing financial difficulty that were also included in nonperforming loans, excluding government guaranteed balances, as of December 31, 2025 and December 31, 2024, respectively. The following tables summarize the financial impacts of loan modifications made to borrowers experiencing financial difficulty and outstanding at the date indicated:
| Weighted Average Term Extension (in months) |  | Weighted Average Interest Reduction (%) |  |
| Twelve months ended |  | Twelve months ended |  |
($ in thousands) | December 31, 2025 |  | December 31, 2025 |  |
C&I | 6 |  | — | % |  |
Real estate: |  |  |  |  |
Commercial - investor owned | 12 |  | — | % |  |
Commercial - owner occupied | 15 |  | 0.50 | % |  |
Residential | 4 |  | — | % |  |
| Weighted Average Term Extension (in months) |  | Amount of Payment Delay
| Twelve months ended |  | Twelve months ended
| December 31, 2024 |  | December 31, 2024
C&I | 6 |  | $ | 85 |
Real estate: |  |  |
Commercial - investor owned | 12 |  | — |
Commercial - owner occupied | 22 |  | — |
Residential | 24 |  | — |
The following tables present the aging of the recorded balance of modified loans in the last 12 months by class at the date indicated:
| December 31, 2025
($ in thousands) | Current |  | 30-89 Days Past Due |  | 90 or More Days Past Due |  | Total
C&I | $ | 50,388 |  |  | $ | 995 |  |  | $ | — |  |  | $ | 51,383 |
Real estate: |  |  |  |  |  |  |
Commercial - investor owned | 242 |  |  | — |  |  | — |  |  | 242 |
Commercial - owner occupied | 15,224 |  |  | — |  |  | — |  |  | 15,224 |
Residential | — |  |  | 460 |  |  | — |  |  | 460 |
Total | $ | 65,854 |  |  | $ | 1,455 |  |  | $ | — |  |  | $ | 67,309 |
| December 31, 2024
($ in thousands) | Current |  | 30-89 Days Past Due |  | 90 or More Days Past Due |  | Total
C&I | $ | 42,243 |  |  | $ | 567 |  |  | $ | 851 |  |  | $ | 43,661 |
Real estate: |  |  |  |  |  |  |
Commercial - investor owned | 256 |  |  | — |  |  | — |  |  | 256 |
Commercial - owner occupied | 11,972 |  |  | — |  |  | 918 |  |  | 12,890 |
Residential | 69 |  |  | — |  |  | — |  |  | 69 |
Total | $ | 54,540 |  |  | $ | 567 |  |  | $ | 1,769 |  |  | $ | 56,876 |
The following table summarizes loans that experienced a default during the twelve months ended December 31, 2025 and December 31, 2024, subsequent to being granted a modification in the preceding twelve months. These loans were charged-off during the preceding periods. Default is defined as movement to nonperforming status, foreclosure or charge-off.
| Term Extension
| Twelve months ended
($ in thousands) | December 31, 2025 |  | Percent of Total Loan Class |  | December 31, 2024 |  | Percent of Total Loan Class
C&I | $ | — |  |  | — | % |  | $ | 1,000 |  |  | 0.02 | %
Real estate: |  |  |  |  |  |  |
Residential | 460 |  |  | 0.13 | % |  | — |  |  | — | %
Consumer | — |  |  | — | % |  | 4 |  |  | NM
Total | $ | 460 |  |  |  |  | $ | 1,004 |  |  |
Summary of Recorded Investment by Risk Category of Portfolio Loans by Portfolio Class and Category | The following tables present a summary of gross charge-offs by loan class and year of origination:
|  | December 31, 2025
|  | Term Loans by Origination Year |  |  |  |  |  |
($ in thousands) |  | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  | Revolving Loans Converted to Term Loans |  | Revolving Loans |  | Total
C&I |  | $ | 30 |  |  | $ | 2,159 |  |  | $ | 4,661 |  |  | $ | 1,280 |  |  | $ | 35 |  |  | $ | 1,167 |  |  | $ | 1,651 |  |  | $ | 11,870 |  |  | $ | 22,853 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial - investor owned |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,972 |  |  | — |  |  | — |  |  | — |  |  | 3,972 |
Commercial - owner occupied |  | — |  |  | 594 |  |  | 285 |  |  | — |  |  | 284 |  |  | 898 |  |  | — |  |  | — |  |  | 2,061 |
Construction and land development |  | — |  |  | — |  |  | — |  |  | 146 |  |  | — |  |  | 3,135 |  |  | — |  |  | — |  |  | 3,281 |
Residential |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 646 |  |  | 266 |  |  | — |  |  | 912 |
Consumer |  | — |  |  | — |  |  | — |  |  | — |  |  | 177 |  |  | 68 |  |  | 5 |  |  | — |  |  | 250 |
Total charge-offs by origination year |  | $ | 30 |  |  | $ | 2,753 |  |  | $ | 4,946 |  |  | $ | 1,426 |  |  | $ | 4,468 |  |  | $ | 5,914 |  |  | $ | 1,922 |  |  | $ | 11,870 |  |  | $ | 33,329 |
Total gross charge-offs by performing status |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,187 |
Total gross charge-offs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 34,516 |
|  | December 31, 2024
|  | Term Loans by Origination Year |  |  |  |  |  |
($ in thousands) |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Revolving Loans Converted to Term Loans |  | Revolving Loans |  | Total
C&I |  | $ | 312 |  |  | $ | 2,646 |  |  | $ | 3,043 |  |  | $ | 35 |  |  | $ | 166 |  |  | $ | 772 |  |  | $ | 2,205 |  |  | $ | 3,589 |  |  | $ | 12,768 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial - investor owned |  | — |  |  | — |  |  | — |  |  | 252 |  |  | — |  |  | 448 |  |  | — |  |  | — |  |  | 700 |
Commercial - owner occupied |  | — |  |  | — |  |  | 41 |  |  | 475 |  |  | 10 |  |  | 2,548 |  |  | — |  |  | — |  |  | 3,074 |
Construction and land development |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,224 |  |  | — |  |  | — |  |  | — |  |  | 3,224 |
Residential |  | — |  |  | — |  |  | 166 |  |  | 15 |  |  | — |  |  | 471 |  |  | 202 |  |  | 24 |  |  | 878 |
Consumer |  | 4 |  |  | 17 |  |  | — |  |  | 58 |  |  | — |  |  | 79 |  |  | 103 |  |  | 1 |  |  | 262 |
Total charge-offs by origination year |  | $ | 316 |  |  | $ | 2,663 |  |  | $ | 3,250 |  |  | $ | 835 |  |  | $ | 3,400 |  |  | $ | 4,318 |  |  | $ | 2,510 |  |  | $ | 3,614 |  |  | $ | 20,906 |
Total gross charge-offs by performing status |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 968 |
Total gross charge-offs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 21,874 |
Non-Covered Loans |
Non-covered Loans [Line Items] |
Summary of Portfolio Loans by Category | The following table presents a summary of loans by category:
($ in thousands) | December 31, 2025(1) |  | December 31, 2024
C&I | $ | 5,236,473 |  |  | $ | 4,720,428 |
Real estate loans: |  |  |
Commercial - investor owned | 2,986,906 |  |  | 2,607,755 |
Commercial - owner occupied | 2,460,761 |  |  | 2,359,956 |
Construction and land development | 689,357 |  |  | 892,563 |
Residential | 367,127 |  |  | 358,923 |
Total real estate loans | 6,504,151 |  |  | 6,219,197 |
Consumer | 60,469 |  |  | 281,193 |
Loans, before unearned loan fees | 11,801,093 |  |  | 11,220,818 |
Unearned loan fees, net | (755) |  |  | (463) |
Loans, including unearned loan fees | $ | 11,800,338 |  |  | $ | 11,220,355 |
(1)Certain loans were reclassified from Consumer and into other categories in 2025. Prior period amounts were not adjusted.
Summary of Allowance for Loan Losses and the Recorded Investment in Portfolio Loans by Class and Category Based on Impairment Method | The following table presents a summary of the activity, by loan category, in the ACL on loans for 2023, 2024, and 2025 as follows:
($ in thousands) | C&I |  | CRE - investor owned |  | CRE - owner occupied |  | Construction and land development |  | Residential real estate |  | Consumer |  | Total |  |
2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |
ACL on loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of year | $ | 53,835 |  |  | $ | 36,191 |  |  | $ | 22,752 |  |  | $ | 11,444 |  |  | $ | 7,928 |  |  | $ | 4,782 |  |  | $ | 136,932 |  |  |
Provision (benefit) for credit losses | 38,308 |  |  | (335) |  |  | 523 |  |  | (1,300) |  |  | (2,109) |  |  | 796 |  |  | 35,883 |  |  |
Charge-offs | (36,302) |  |  | (4,869) |  |  | — |  |  | (9) |  |  | (656) |  |  | (1,379) |  |  | (43,215) |  |  |
Recoveries | 3,045 |  |  | 293 |  |  | 130 |  |  | 63 |  |  | 979 |  |  | 661 |  |  | 5,171 |  |  |
Balance, end of year | $ | 58,886 |  |  | $ | 31,280 |  |  | $ | 23,405 |  |  | $ | 10,198 |  |  | $ | 6,142 |  |  | $ | 4,860 |  |  | $ | 134,771 |  |  |
2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |
ACL on loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of year | $ | 58,886 |  |  | $ | 31,280 |  |  | $ | 23,405 |  |  | $ | 10,198 |  |  | $ | 6,142 |  |  | $ | 4,860 |  |  | $ | 134,771 |  |  |
Provision (benefit) for credit losses | 14,770 |  |  | 3,502 |  |  | (60) |  |  | 2,764 |  |  | 128 |  |  | (475) |  |  | 20,629 |  |  |
Charge-offs | (13,073) |  |  | (700) |  |  | (3,074) |  |  | (3,224) |  |  | (878) |  |  | (925) |  |  | (21,874) |  |  |
Recoveries | 2,648 |  |  | 135 |  |  | 129 |  |  | 99 |  |  | 1,142 |  |  | 271 |  |  | 4,424 |  |  |
Balance, end of year | $ | 63,231 |  |  | $ | 34,217 |  |  | $ | 20,400 |  |  | $ | 9,837 |  |  | $ | 6,534 |  |  | $ | 3,731 |  |  | $ | 137,950 |  |  |
2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
ACL on loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of year | $ | 63,231 |  |  | $ | 34,217 |  |  | $ | 20,400 |  |  | $ | 9,837 |  |  | $ | 6,534 |  |  | $ | 3,731 |  |  | $ | 137,950 |  |  |
Provision (benefit) for credit losses | 19,514 |  |  | (44) |  |  | (1,051) |  |  | 4,418 |  |  | 1,402 |  |  | (1,163) |  |  | $ | 23,076 |  |  |
Initial allowance on PSLs | 971 |  |  | 1,034 |  |  | 1,257 |  |  | 1 |  |  | 17 |  |  | 18 |  |  | $ | 3,298 |  |  |
Charge-offs | (23,326) |  |  | (3,972) |  |  | (2,061) |  |  | (3,281) |  |  | (912) |  |  | (964) |  |  | $ | (34,516) |  |  |
Recoveries | 7,955 |  |  | 330 |  |  | 673 |  |  | 41 |  |  | 982 |  |  | 233 |  |  | $ | 10,214 |  |  |
Balance, end of year | $ | 68,345 |  |  | $ | 31,565 |  |  | $ | 19,218 |  |  | $ | 11,016 |  |  | $ | 8,023 |  |  | $ | 1,855 |  |  | $ | 140,022 |  |  |
Schedule of Recorded Investment in Impaired Portfolio Loans by Category | The following tables present the recorded balance in nonperforming loans by category, excluding government guaranteed balances:
| December 31, 2025
($ in thousands) | Nonaccrual |  | Loans over 90 days past due and still accruing interest |  | Total nonperforming loans |  | Nonaccrual loans with no allowance
C&I | $ | 26,359 |  |  | $ | 1,620 |  |  | $ | 27,979 |  |  | $ | 14,800 |
Real estate: |  |  |  |  |  |  |
Commercial - investor owned | 36,988 |  |  | — |  |  | 36,988 |  |  | 23,685 |
Commercial - owner occupied | 9,338 |  |  | — |  |  | 9,338 |  |  | 7,927 |
Construction and land development | 155 |  |  | — |  |  | 155 |  |  | — |
Residential | 8,340 |  |  | — |  |  | 8,340 |  |  | 8,099 |
Consumer | — |  |  | 9 |  |  | 9 |  |  | — |
Total | $ | 81,180 |  |  | $ | 1,629 |  |  | $ | 82,809 |  |  | $ | 54,511 |
| December 31, 2024
($ in thousands) | Nonaccrual |  |  |  | Loans over 90 days past due and still accruing interest |  | Total nonperforming loans |  | Nonaccrual loans with no allowance
C&I | $ | 15,810 |  |  |  |  | $ | 11 |  |  | $ | 15,821 |  |  | $ | 4,279 |
Real estate: |  |  |  |  |  |  |  |  |
Commercial - investor owned | 14,186 |  |  |  |  | — |  |  | 14,186 |  |  | 2,106 |
Commercial - owner occupied | 10,910 |  |  |  |  | — |  |  | 10,910 |  |  | 8,235 |
Construction and land development | 1,503 |  |  |  |  | — |  |  | 1,503 |  |  | 1,503 |
Residential | 258 |  |  |  |  | — |  |  | 258 |  |  | — |
Consumer | — |  |  |  |  | 9 |  |  | 9 |  |  | — |
Total | $ | 42,667 |  |  |  |  | $ | 20 |  |  | $ | 42,687 |  |  | $ | 16,123 |
Summary of Aging of Recorded Investment in Past Due Portfolio Loans by Portfolio Class and Category | The following tables present a summary of aging of the recorded balance in past due loans by class and category as of the dates indicated:
| December 31, 2025
($ in thousands) | 30-89 Days Past Due |  | 90 or More Days Past Due |  | Total Past Due |  | Current |  | Total
C&I | $ | 6,822 |  |  | $ | 25,327 |  |  | $ | 32,149 |  |  | $ | 5,204,324 |  |  | $ | 5,236,473 |
Real estate: |  |  |  |  |  |  |  |  |
Commercial - investor owned | 3,627 |  |  | 38,063 |  |  | 41,690 |  |  | 2,945,216 |  |  | 2,986,906 |
Commercial - owner occupied | 5,274 |  |  | 21,110 |  |  | 26,384 |  |  | 2,434,377 |  |  | 2,460,761 |
Construction and land development | 4,881 |  |  | 583 |  |  | 5,464 |  |  | 683,893 |  |  | 689,357 |
Residential | 7,457 |  |  | 2,516 |  |  | 9,973 |  |  | 357,154 |  |  | 367,127 |
Consumer | 57 |  |  | 9 |  |  | 66 |  |  | 60,403 |  |  | 60,469 |
Loans, before unearned loan fees | $ | 28,118 |  |  | $ | 87,608 |  |  | $ | 115,726 |  |  | $ | 11,685,367 |  |  | 11,801,093 |
Unearned loan fees, net |  |  |  |  |  |  |  |  | (755) |
Total |  |  |  |  |  |  |  |  | $ | 11,800,338 |
| December 31, 2024
($ in thousands) | 30-89 Days Past Due |  | 90 or More Days Past Due |  | Total Past Due |  | Current |  | Total
C&I | $ | 1,948 |  |  | $ | 12,228 |  |  | $ | 14,176 |  |  | $ | 4,706,252 |  |  | $ | 4,720,428 |
Real estate: |  |  |  |  |  |  |  |  |
Commercial - investor owned | 1,377 |  |  | 14,333 |  |  | 15,710 |  |  | 2,592,045 |  |  | 2,607,755 |
Commercial - owner occupied | 10,542 |  |  | 18,591 |  |  | 29,133 |  |  | 2,330,823 |  |  | 2,359,956 |
Construction and land development | 101 |  |  | 5,620 |  |  | 5,721 |  |  | 886,842 |  |  | 892,563 |
Residential | 2,833 |  |  | 258 |  |  | 3,091 |  |  | 355,832 |  |  | 358,923 |
Consumer | 34 |  |  | 9 |  |  | 43 |  |  | 281,150 |  |  | 281,193 |
Loans, before unearned loan fees | $ | 16,835 |  |  | $ | 51,039 |  |  | $ | 67,874 |  |  | $ | 11,152,944 |  |  | 11,220,818 |
Unearned loan fees, net |  |  |  |  |  |  |  |  | (463) |
Total |  |  |  |  |  |  |  |  | $ | 11,220,355 |
Summary of Recorded Investment by Risk Category of Portfolio Loans by Portfolio Class and Category | The following tables present the recorded balance by risk category of the loans by class and year of origination as of the dates indicated:
|  | December 31, 2025
|  | Term Loans by Origination Year |  |  |  |  |  |
($ in thousands) |  | 2025 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | Prior |  | Revolving Loans Converted to Term Loans |  | Revolving Loans |  | Total
C&I |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 1,867,472 |  |  | $ | 793,869 |  |  | $ | 521,429 |  |  | $ | 298,735 |  |  | $ | 84,618 |  |  | $ | 96,374 |  |  | $ | 94,043 |  |  | $ | 1,153,331 |  |  | $ | 4,909,871 |
Special Mention (7) |  | 17,000 |  |  | 22,548 |  |  | 26,475 |  |  | 3,835 |  |  | 4,871 |  |  | 2,113 |  |  | 22,071 |  |  | 48,303 |  |  | 147,216 |
Classified (8-9) |  | 47,637 |  |  | 26,370 |  |  | 4,861 |  |  | 10,964 |  |  | 54 |  |  | 845 |  |  | 24,043 |  |  | 36,659 |  |  | 151,433 |
Total C&I |  | $ | 1,932,109 |  |  | $ | 842,787 |  |  | $ | 552,765 |  |  | $ | 313,534 |  |  | $ | 89,543 |  |  | $ | 99,332 |  |  | $ | 140,157 |  |  | $ | 1,238,293 |  |  | $ | 5,208,520 |
CRE-investor owned |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 857,292 |  |  | $ | 405,208 |  |  | $ | 380,247 |  |  | $ | 377,479 |  |  | $ | 287,917 |  |  | $ | 376,426 |  |  | $ | 55,616 |  |  | $ | 45,784 |  |  | $ | 2,785,969 |
Special Mention (7) |  | 40,134 |  |  | 53,306 |  |  | 1,934 |  |  | — |  |  | 9,029 |  |  | 4,571 |  |  | 1,891 |  |  | — |  |  | 110,865 |
Classified (8-9) |  | 17,570 |  |  | — |  |  | — |  |  | 6,965 |  |  | 26,697 |  |  | 20,469 |  |  | — |  |  | — |  |  | 71,701 |
Total CRE-investor owned |  | $ | 914,996 |  |  | $ | 458,514 |  |  | $ | 382,181 |  |  | $ | 384,444 |  |  | $ | 323,643 |  |  | $ | 401,466 |  |  | $ | 57,507 |  |  | $ | 45,784 |  |  | $ | 2,968,535 |
CRE-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 471,422 |  |  | $ | 304,147 |  |  | $ | 296,817 |  |  | $ | 371,117 |  |  | $ | 364,894 |  |  | $ | 445,806 |  |  | $ | 3,391 |  |  | $ | 38,545 |  |  | $ | 2,296,139 |
Special Mention (7) |  | 7,814 |  |  | 5,801 |  |  | 14,730 |  |  | 12,440 |  |  | 4,432 |  |  | 15,019 |  |  | — |  |  | — |  |  | 60,236 |
Classified (8-9) |  | 18,006 |  |  | 5,562 |  |  | 11,444 |  |  | 15,503 |  |  | 13,671 |  |  | 22,281 |  |  | — |  |  | — |  |  | 86,467 |
Total CRE-owner occupied |  | $ | 497,242 |  |  | $ | 315,510 |  |  | $ | 322,991 |  |  | $ | 399,060 |  |  | $ | 382,997 |  |  | $ | 483,106 |  |  | $ | 3,391 |  |  | $ | 38,545 |  |  | $ | 2,442,842 |
Construction real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 372,006 |  |  | $ | 223,449 |  |  | $ | 37,889 |  |  | $ | 9,492 |  |  | $ | 3,398 |  |  | $ | 1,316 |  |  | $ | 24,961 |  |  | $ | 3,148 |  |  | $ | 675,659 |
Special Mention (7) |  | 2,000 |  |  | — |  |  | 23 |  |  | 41 |  |  | — |  |  | — |  |  | 8,698 |  |  | — |  |  | 10,762 |
Classified (8-9) |  | — |  |  | — |  |  | 483 |  |  | 676 |  |  | — |  |  | 4 |  |  | — |  |  | — |  |  | 1,163 |
Total Construction real estate |  | $ | 374,006 |  |  | $ | 223,449 |  |  | $ | 38,395 |  |  | $ | 10,209 |  |  | $ | 3,398 |  |  | $ | 1,320 |  |  | $ | 33,659 |  |  | $ | 3,148 |  |  | $ | 687,584 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 61,245 |  |  | $ | 24,136 |  |  | $ | 27,378 |  |  | $ | 28,920 |  |  | $ | 33,857 |  |  | $ | 76,749 |  |  | $ | 7,342 |  |  | $ | 82,753 |  |  | $ | 342,380 |
Special Mention (7) |  | 3,157 |  |  | 1,219 |  |  | 23 |  |  | 296 |  |  | 84 |  |  | 793 |  |  | — |  |  | 976 |  |  | 6,548 |
Classified (8-9) |  | 1,831 |  |  | — |  |  | 2,733 |  |  | — |  |  | 6,466 |  |  | 7,055 |  |  | — |  |  | 80 |  |  | 18,165 |
Total residential real estate |  | $ | 66,233 |  |  | $ | 25,355 |  |  | $ | 30,134 |  |  | $ | 29,216 |  |  | $ | 40,407 |  |  | $ | 84,597 |  |  | $ | 7,342 |  |  | $ | 83,809 |  |  | $ | 367,093 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 1,466 |  |  | $ | 798 |  |  | $ | 790 |  |  | $ | 199 |  |  | $ | 26,824 |  |  | $ | 17,513 |  |  | $ | — |  |  | $ | 8,511 |  |  | $ | 56,101 |
Special Mention (7) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Classified (8-9) |  | — |  |  | — |  |  | 2 |  |  | — |  |  | — |  |  | 10 |  |  | — |  |  | — |  |  | 12 |
Total Consumer |  | $ | 1,466 |  |  | $ | 798 |  |  | $ | 792 |  |  | $ | 199 |  |  | $ | 26,824 |  |  | $ | 17,523 |  |  | $ | — |  |  | $ | 8,511 |  |  | $ | 56,113 |
Total loans classified by risk category |  | $ | 3,786,052 |  |  | $ | 1,866,413 |  |  | $ | 1,327,258 |  |  | $ | 1,136,662 |  |  | $ | 866,812 |  |  | $ | 1,087,344 |  |  | $ | 242,056 |  |  | $ | 1,418,090 |  |  | $ | 11,730,687 |
Total loans classified by performing status |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 69,651 |
Total loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 11,800,338 |
|  | December 31, 2024
|  | Term Loans by Origination Year |  |  |  |  |  |
($ in thousands) |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Revolving Loans Converted to Term Loans |  | Revolving Loans |  | Total
C&I |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 1,477,552 |  |  | $ | 958,327 |  |  | $ | 607,626 |  |  | $ | 172,201 |  |  | $ | 117,845 |  |  | $ | 69,236 |  |  | $ | 87,059 |  |  | $ | 942,991 |  |  | $ | 4,432,837 |
Special Mention (7) |  | 32,479 |  |  | 40,804 |  |  | 4,982 |  |  | 2,373 |  |  | 796 |  |  | 64 |  |  | 14,783 |  |  | 55,100 |  |  | 151,381 |
Classified (8-9) |  | 29,999 |  |  | 868 |  |  | 9,271 |  |  | — |  |  | 142 |  |  | 809 |  |  | 9,681 |  |  | 20,791 |  |  | 71,561 |
Total C&I |  | $ | 1,540,030 |  |  | $ | 999,999 |  |  | $ | 621,879 |  |  | $ | 174,574 |  |  | $ | 118,783 |  |  | $ | 70,109 |  |  | $ | 111,523 |  |  | $ | 1,018,882 |  |  | $ | 4,655,779 |
CRE-investor owned |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 587,403 |  |  | $ | 402,899 |  |  | $ | 479,131 |  |  | $ | 374,155 |  |  | $ | 266,044 |  |  | $ | 281,232 |  |  | $ | 4,566 |  |  | $ | 48,808 |  |  | $ | 2,444,238 |
Special Mention (7) |  | 12,195 |  |  | 4,901 |  |  | — |  |  | 43,506 |  |  | 2,389 |  |  | 9,623 |  |  | 31,321 |  |  | 1,999 |  |  | 105,934 |
Classified (8-9) |  | 256 |  |  | — |  |  | 821 |  |  | 20,274 |  |  | 13,564 |  |  | 4,702 |  |  | — |  |  | — |  |  | 39,617 |
Total CRE-investor owned |  | $ | 599,854 |  |  | $ | 407,800 |  |  | $ | 479,952 |  |  | $ | 437,935 |  |  | $ | 281,997 |  |  | $ | 295,557 |  |  | $ | 35,887 |  |  | $ | 50,807 |  |  | $ | 2,589,789 |
CRE-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 420,774 |  |  | $ | 329,001 |  |  | $ | 437,731 |  |  | $ | 408,210 |  |  | $ | 246,024 |  |  | $ | 352,095 |  |  | $ | 890 |  |  | $ | 29,239 |  |  | $ | 2,223,964 |
Special Mention (7) |  | 6,914 |  |  | 10,764 |  |  | 5,323 |  |  | 12,324 |  |  | 8,426 |  |  | 18,389 |  |  | — |  |  | — |  |  | 62,140 |
Classified (8-9) |  | 13,794 |  |  | 3,727 |  |  | 4,063 |  |  | 6,452 |  |  | 3,765 |  |  | 22,319 |  |  | — |  |  | 250 |  |  | 54,370 |
Total CRE-owner occupied |  | $ | 441,482 |  |  | $ | 343,492 |  |  | $ | 447,117 |  |  | $ | 426,986 |  |  | $ | 258,215 |  |  | $ | 392,803 |  |  | $ | 890 |  |  | $ | 29,489 |  |  | $ | 2,340,474 |
Construction real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 404,286 |  |  | $ | 211,573 |  |  | $ | 198,278 |  |  | $ | 38,131 |  |  | $ | 6,110 |  |  | $ | 3,823 |  |  | $ | 9,513 |  |  | $ | 5,338 |  |  | $ | 877,052 |
Special Mention (7) |  | 11,250 |  |  | 33 |  |  | 49 |  |  | 294 |  |  | — |  |  | 223 |  |  | — |  |  | — |  |  | 11,849 |
Classified (8-9) |  | — |  |  | — |  |  | 1,573 |  |  | — |  |  | — |  |  | 585 |  |  | — |  |  | — |  |  | 2,158 |
Total Construction real estate |  | $ | 415,536 |  |  | $ | 211,606 |  |  | $ | 199,900 |  |  | $ | 38,425 |  |  | $ | 6,110 |  |  | $ | 4,631 |  |  | $ | 9,513 |  |  | $ | 5,338 |  |  | $ | 891,059 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 46,454 |  |  | $ | 37,371 |  |  | $ | 35,082 |  |  | $ | 27,784 |  |  | $ | 22,350 |  |  | $ | 78,113 |  |  | $ | 5,880 |  |  | $ | 79,284 |  |  | $ | 332,318 |
Special Mention (7) |  | 1,539 |  |  | 26 |  |  | 239 |  |  | — |  |  | — |  |  | 1,435 |  |  | — |  |  | 887 |  |  | 4,126 |
Classified (8-9) |  | — |  |  | 2,979 |  |  | 107 |  |  | 11,976 |  |  | 5,538 |  |  | 1,572 |  |  | — |  |  | — |  |  | 22,172 |
Total residential real estate |  | $ | 47,993 |  |  | $ | 40,376 |  |  | $ | 35,428 |  |  | $ | 39,760 |  |  | $ | 27,888 |  |  | $ | 81,120 |  |  | $ | 5,880 |  |  | $ | 80,171 |  |  | $ | 358,616 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-6) |  | $ | 31,286 |  |  | $ | 6,058 |  |  | $ | 50,351 |  |  | $ | 55,844 |  |  | $ | 49,519 |  |  | $ | 31,061 |  |  | $ | 44 |  |  | $ | 40,578 |  |  | $ | 264,741 |
Special Mention (7) |  | — |  |  | 2,326 |  |  | — |  |  | — |  |  | — |  |  | 1,780 |  |  | — |  |  | 7,660 |  |  | 11,766 |
Classified (8-9) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5 |  |  | — |  |  | — |  |  | 5 |
Total Consumer |  | $ | 31,286 |  |  | $ | 8,384 |  |  | $ | 50,351 |  |  | $ | 55,844 |  |  | $ | 49,519 |  |  | $ | 32,846 |  |  | $ | 44 |  |  | $ | 48,238 |  |  | $ | 276,512 |
Total loans classified by risk category |  | $ | 3,076,181 |  |  | $ | 2,011,657 |  |  | $ | 1,834,627 |  |  | $ | 1,173,524 |  |  | $ | 742,512 |  |  | $ | 877,066 |  |  | $ | 163,737 |  |  | $ | 1,232,925 |  |  | $ | 11,112,229 |
Total loans classified by performing status |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 108,126 |
Total loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 11,220,355 |
In the tables above, loan originations in 2025 and 2024 with a classification of “special mention” or “classified” primarily represent renewals or modifications initially underwritten and originated in prior years. The following tables summarize the risk category of the loans by loan type as of the dates indicated:
| December 31, 2025
($ in thousands) | Pass (1-6) |  | Special Mention (7) |  | Classified (8-9) |  | Total
C&I | $ | 4,909,871 |  |  | $ | 147,216 |  |  | $ | 151,433 |  |  | $ | 5,208,520 |
Real estate: |  |  |  |  |  |  |
Commercial - investor owned | 2,785,969 |  |  | 110,865 |  |  | 71,701 |  |  | 2,968,535 |
Commercial - owner occupied | 2,296,139 |  |  | 60,236 |  |  | 86,467 |  |  | 2,442,842 |
Construction and land development | 675,659 |  |  | 10,762 |  |  | 1,163 |  |  | 687,584 |
Residential | 342,380 |  |  | 6,548 |  |  | 18,165 |  |  | 367,093 |
Consumer | 56,101 |  |  | — |  |  | 12 |  |  | 56,113 |
Total loans classified by risk category | $ | 11,066,119 |  |  | $ | 335,627 |  |  | $ | 328,941 |  |  | $ | 11,730,687 |
Total loans classified by performing status |  |  |  |  |  |  | 69,651 |
|  |  |  |  |  |  | $ | 11,800,338 |
| December 31, 2024
($ in thousands) | Pass (1-6) |  | Special Mention (7) |  | Classified (8-9) |  | Total
C&I | $ | 4,432,837 |  |  | $ | 151,381 |  |  | $ | 71,561 |  |  | $ | 4,655,779 |
Real estate: |  |  |  |  |  |  |
Commercial - investor owned | 2,444,238 |  |  | 105,934 |  |  | 39,617 |  |  | 2,589,789 |
Commercial - owner occupied | 2,223,964 |  |  | 62,140 |  |  | 54,370 |  |  | 2,340,474 |
Construction and land development | 877,052 |  |  | 11,849 |  |  | 2,158 |  |  | 891,059 |
Residential | 332,318 |  |  | 4,126 |  |  | 22,172 |  |  | 358,616 |
Consumer | 264,741 |  |  | 11,766 |  |  | 5 |  |  | 276,512 |
Total loans classified by risk category | $ | 10,575,150 |  |  | $ | 347,196 |  |  | $ | 189,883 |  |  | $ | 11,112,229 |
Total loans classified by performing status |  |  |  |  |  |  | 108,126 |
|  |  |  |  |  |  | $ | 11,220,355 |
In the risk category tables above, guaranteed loan balances are included with a classification of “pass” due to the nature of these loans. For certain loans, the Company evaluates credit quality based on the aging status. The following tables present the recorded balance of loans based on payment activity as of the dates indicated:
| December 31, 2025
($ in thousands) | Performing |  | Nonperforming |  | Total
C&I | $ | 22,778 |  |  | $ | 318 |  |  | $ | 23,096 |
Real estate: |  |  |  |  |
Commercial - investor owned | 16,323 |  |  | — |  |  | 16,323 |
Commercial - owner occupied | 26,121 |  |  | — |  |  | 26,121 |
Residential | 589 |  |  | — |  |  | 589 |
Consumer | 3,513 |  |  | 9 |  |  | 3,522 |
Total | $ | 69,324 |  |  | $ | 327 |  |  | $ | 69,651 |
| December 31, 2024
($ in thousands) | Performing |  | Nonperforming |  | Total
C&I | $ | 60,899 |  |  | $ | 11 |  |  | $ | 60,910 |
Real estate: |  |  |  |  |
Commercial - investor owned | 17,175 |  |  | — |  |  | 17,175 |
Commercial - owner occupied | 27,349 |  |  | — |  |  | 27,349 |
Residential | 647 |  |  | — |  |  | 647 |
Consumer | 2,036 |  |  | 9 |  |  | 2,045 |
Total | $ | 108,106 |  |  | $ | 20 |  |  | $ | 108,126 |

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