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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, 2025 | Jun. 30, 2024 | Jun. 30, 2025 | Jun. 30, 2024
Activity in the allowance for loan losses |  |  |  |
ACL beginning balance | $ 195,210 | $ 91,562 | $ 83,404 | $ 91,740
Day 1 PCD |  | 1,243 |  | 1,243
Day 2 Provision for Credit Losses | 1,005 |  | 51,293 | 6,268
Provision for loan losses |  | 2,277 | 1,024 | 7,315
Charged-off | (13,383) | (10,276) | (45,218) | (15,736)
Recoveries | 502 | 420 | 908 | 664
ACL ending balance | 183,334 | 85,226 | 183,334 | 85,226
CrossFirst |  |  |  |
Activity in the allowance for loan losses |  |  |  |
Day 1 PCD |  |  | 100,783 |
Day 2 Provision for Credit Losses |  |  | 42,433 |
Commercial loans | C&I and other commercial |  |  |  |
Activity in the allowance for loan losses |  |  |  |
ACL beginning balance | 89,304 | 26,207 | 21,589 | 21,256
Day 1 PCD |  | 824 |  | 824
Day 2 Provision for Credit Losses | (18,863) |  |  |
Provision for loan losses |  | 3,118 | (18,240) | 13,243
Charged-off | (2,080) | (10,013) | (33,301) | (15,231)
Recoveries | 217 | 150 | 313 | 194
ACL ending balance | 68,578 | 20,286 | 68,578 | 20,286
Commercial loans | C&I and other commercial | CrossFirst |  |  |  |
Activity in the allowance for loan losses |  |  |  |
Day 1 PCD |  |  | 75,569 |
Day 2 Provision for Credit Losses |  |  | 22,648 |
Commercial loans | CRE |  |  |  |
Activity in the allowance for loan losses |  |  |  |
ACL beginning balance | 68,478 | 33,505 | 32,301 | 35,465
Day 1 PCD |  | 322 |  | 322
Day 2 Provision for Credit Losses | 13,370 |  |  |
Provision for loan losses |  | 1,140 | 12,977 | (724)
Charged-off | (10,916) | (4) | (11,169) | (100)
Recoveries | 3 | 141 | 134 | 141
ACL ending balance | 70,935 | 35,104 | 70,935 | 35,104
Commercial loans | CRE | CrossFirst |  |  |  |
Activity in the allowance for loan losses |  |  |  |
Day 1 PCD |  |  | 21,588 |
Day 2 Provision for Credit Losses |  |  | 15,104 |
Commercial loans | Real estate construction |  |  |  |
Activity in the allowance for loan losses |  |  |  |
ACL beginning balance | 8,689 | 4,713 | 3,345 | 5,163
Day 1 PCD |  | 0 |  | 0
Day 2 Provision for Credit Losses | 4,300 |  |  |
Provision for loan losses |  | (997) | 4,611 | (1,488)
Charged-off | 0 | 0 | 0 | 0
Recoveries | 83 | 6 | 93 | 47
ACL ending balance | 13,072 | 3,722 | 13,072 | 3,722
Commercial loans | Real estate construction | CrossFirst |  |  |  |
Activity in the allowance for loan losses |  |  |  |
Day 1 PCD |  |  | 2,112 |
Day 2 Provision for Credit Losses |  |  | 2,911 |
Retail loans | CRE |  |  |  |
Activity in the allowance for loan losses |  |  |  |
ACL beginning balance | 26,399 | 24,281 | 23,711 | 26,298
Day 1 PCD |  | 96 |  | 96
Day 2 Provision for Credit Losses | 2,597 |  |  |
Provision for loan losses |  | (651) | 2,094 | (2,744)
Charged-off | (119) | (75) | (119) | (127)
Recoveries | 165 | 78 | 298 | 206
ACL ending balance | 29,042 | 23,729 | 29,042 | 23,729
Retail loans | CRE | CrossFirst |  |  |  |
Activity in the allowance for loan losses |  |  |  |
Day 1 PCD |  |  | 1,430 |
Day 2 Provision for Credit Losses |  |  | 1,628 |
Retail loans | Retail other |  |  |  |
Activity in the allowance for loan losses |  |  |  |
ACL beginning balance | 2,340 | 2,856 | 2,458 | 3,558
Day 1 PCD |  | 1 |  | 1
Day 2 Provision for Credit Losses | (399) |  |  |
Provision for loan losses |  | (333) | (418) | (972)
Charged-off | (268) | (184) | (629) | (278)
Recoveries | 34 | 45 | 70 | 76
ACL ending balance | $ 1,707 | $ 2,385 | 1,707 | $ 2,385
Retail loans | Retail other | CrossFirst |  |  |  |
Activity in the allowance for loan losses |  |  |  |
Day 1 PCD |  |  | 84 |
Day 2 Provision for Credit Losses |  |  | $ 142 |

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