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PORTFOLIO LOANS - Schedule of Activity on the Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022
Activity in the allowance for loan losses |  |  |
ACL beginning balance | $ 91,740 | $ 91,608 | $ 87,887
Day 1 PCD | 1,243 |  |
Provision for credit losses | 8,590 | 2,399 | 4,623
Charged-off | (19,566) | (4,418) | (3,179)
Recoveries | 1,397 | 2,151 | 2,277
ACL ending balance | 83,404 | 91,740 | 91,608
Commercial loans |  |  |
Activity in the allowance for loan losses |  |  |
ACL beginning balance | 61,884 |  |
ACL ending balance | 57,235 | 61,884 |
Commercial loans | C&I and other commercial |  |  |
Activity in the allowance for loan losses |  |  |
ACL beginning balance | 21,256 | 23,860 | 23,855
Day 1 PCD | 824 |  |
Provision for credit losses | 14,455 | (727) | 497
Charged-off | (15,453) | (2,429) | (1,069)
Recoveries | 507 | 552 | 577
ACL ending balance | 21,589 | 21,256 | 23,860
Commercial loans | CRE |  |  |
Activity in the allowance for loan losses |  |  |
ACL beginning balance | 35,465 | 38,299 | 38,249
Day 1 PCD | 322 |  |
Provision for credit losses | (318) | (2,455) | 892
Charged-off | (3,314) | (953) | (1,375)
Recoveries | 146 | 574 | 533
ACL ending balance | 32,301 | 35,465 | 38,299
Commercial loans | Real estate construction |  |  |
Activity in the allowance for loan losses |  |  |
ACL beginning balance | 5,163 | 6,457 | 5,102
Day 1 PCD | 0 |  |
Provision for credit losses | (1,885) | (1,465) | 1,142
Charged-off | 0 | 0 | (23)
Recoveries | 67 | 171 | 236
ACL ending balance | 3,345 | 5,163 | 6,457
Retail loans: |  |  |
Activity in the allowance for loan losses |  |  |
ACL beginning balance | 29,856 |  |
ACL ending balance | 26,169 | 29,856 |
Retail loans: | CRE |  |  |
Activity in the allowance for loan losses |  |  |
ACL beginning balance | 26,298 | 18,193 | 17,589
Day 1 PCD | 96 |  |
Provision for credit losses | (3,031) | 7,922 | 219
Charged-off | (168) | (407) | (251)
Recoveries | 516 | 590 | 636
ACL ending balance | 23,711 | 26,298 | 18,193
Retail loans: | Retail other |  |  |
Activity in the allowance for loan losses |  |  |
ACL beginning balance | 3,558 | 4,799 | 3,092
Day 1 PCD | 1 |  |
Provision for credit losses | (631) | (876) | 1,873
Charged-off | (631) | (629) | (461)
Recoveries | 161 | 264 | 295
ACL ending balance | $ 2,458 | $ 3,558 | $ 4,799

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