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PORTFOLIO LOANS - Schedule of Activity on the Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2025 | Sep. 30, 2024 | Sep. 30, 2025 | Sep. 30, 2024
Activity in the allowance for loan losses |  |  |  |
ACL beginning balance | $ 183,334 | $ 85,226 | $ 83,404 | $ 91,740
Day 1 PCD |  |  |  | 1,243
Day 2 Provision for Credit Losses | (3,305) |  | 50,308 | 6,677
Provision for loan losses |  | 2 | (2,281) | 7,317
Charged-off | (7,448) | (674) | (52,666) | (16,410)
Recoveries | 1,600 | 427 | 2,508 | 1,091
ACL ending balance | 174,181 | 84,981 | 174,181 | 84,981
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 | 68,578 | 20,286 | 21,589 | 21,256
Day 1 PCD |  |  |  | 824
Day 2 Provision for Credit Losses | (4,768) |  |  |
Provision for loan losses |  | 715 | (23,008) | 13,958
Charged-off | (5,753) | (202) | (39,054) | (15,433)
Recoveries | 1,379 | 210 | 1,692 | 404
ACL ending balance | 59,436 | 21,009 | 59,436 | 21,009
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 | 70,935 | 35,104 | 32,301 | 35,465
Day 1 PCD |  |  |  | 322
Day 2 Provision for Credit Losses | 1,323 |  |  |
Provision for loan losses |  | (1,158) | 14,300 | (1,882)
Charged-off | (1,438) | (215) | (12,607) | (315)
Recoveries | 24 | 4 | 158 | 145
ACL ending balance | 70,844 | 33,735 | 70,844 | 33,735
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 | 13,072 | 3,722 | 3,345 | 5,163
Day 1 PCD |  |  |  | 0
Day 2 Provision for Credit Losses | (880) |  |  |
Provision for loan losses |  | 39 | 3,731 | (1,449)
Charged-off | 0 | 0 | 0 | 0
Recoveries | 1 | 10 | 94 | 57
ACL ending balance | 12,193 | 3,771 | 12,193 | 3,771
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 | 29,042 | 23,729 | 23,711 | 26,298
Day 1 PCD |  |  |  | 96
Day 2 Provision for Credit Losses | 739 |  |  |
Provision for loan losses |  | 120 | 2,833 | (2,624)
Charged-off | (53) | (32) | (172) | (159)
Recoveries | 115 | 162 | 413 | 368
ACL ending balance | 29,843 | 23,979 | 29,843 | 23,979
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 | 1,707 | 2,385 | 2,458 | 3,558
Day 1 PCD |  |  |  | 1
Day 2 Provision for Credit Losses | 281 |  |  |
Provision for loan losses |  | 286 | (137) | (686)
Charged-off | (204) | (225) | (833) | (503)
Recoveries | 81 | 41 | 151 | 117
ACL ending balance | $ 1,865 | $ 2,487 | 1,865 | $ 2,487
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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