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PORTFOLIO LOANS - Schedule of Activity on the Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2024 | Jun. 30, 2023 | Jun. 30, 2024 | Jun. 30, 2023
Activity in the allowance for loan losses |  |  |  |
ACL beginning balance | $ 91,562 | $ 91,727 | $ 91,740 | $ 91,608
Day 1 PCD | 1,243 |  | 1,243 |
Provision for credit losses | 2,277 | 627 | 7,315 | 1,580
Charged-off | (10,276) | (1,347) | (15,736) | (2,528)
Recoveries | 420 | 632 | 664 | 979
ACL ending balance | 85,226 | 91,639 | 85,226 | 91,639
C&I and other commercial |  |  |  |
Activity in the allowance for loan losses |  |  |  |
ACL beginning balance | 26,207 | 24,276 | 21,256 | 23,860
Day 1 PCD | 824 |  | 824 |
Provision for credit losses | 3,118 | 690 | 13,243 | 1,385
Charged-off | (10,013) | (575) | (15,231) | (975)
Recoveries | 150 | 119 | 194 | 240
ACL ending balance | 20,286 | 24,510 | 20,286 | 24,510
Commercial real estate |  |  |  |
Activity in the allowance for loan losses |  |  |  |
ACL beginning balance | 33,505 | 34,421 | 35,465 | 38,299
Day 1 PCD | 322 |  | 322 |
Provision for credit losses | 1,140 | (392) | (724) | (3,751)
Charged-off | (4) | (534) | (100) | (1,073)
Recoveries | 141 | 161 | 141 | 181
ACL ending balance | 35,104 | 33,656 | 35,104 | 33,656
Real estate construction |  |  |  |
Activity in the allowance for loan losses |  |  |  |
ACL beginning balance | 4,713 | 5,159 | 5,163 | 6,457
Day 1 PCD | 0 |  | 0 |
Provision for credit losses | (997) | (179) | (1,488) | (1,508)
Charged-off | 0 | 0 | 0 | 0
Recoveries | 6 | 91 | 47 | 122
ACL ending balance | 3,722 | 5,071 | 3,722 | 5,071
Retail real estate |  |  |  |
Activity in the allowance for loan losses |  |  |  |
ACL beginning balance | 24,281 | 24,255 | 26,298 | 18,193
Day 1 PCD | 96 |  | 96 |
Provision for credit losses | (651) | 353 | (2,744) | 6,301
Charged-off | (75) | (103) | (127) | (108)
Recoveries | 78 | 170 | 206 | 289
ACL ending balance | 23,729 | 24,675 | 23,729 | 24,675
Retail other |  |  |  |
Activity in the allowance for loan losses |  |  |  |
ACL beginning balance | 2,856 | 3,616 | 3,558 | 4,799
Day 1 PCD | 1 |  | 1 |
Provision for credit losses | (333) | 155 | (972) | (847)
Charged-off | (184) | (135) | (278) | (372)
Recoveries | 45 | 91 | 76 | 147
ACL ending balance | $ 2,385 | $ 3,727 | $ 2,385 | $ 3,727

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