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Loans and Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2024

Jun. 30, 2023

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Loans and Leases Receivable Disclosure [Abstract]

Outstanding Balances of Loan

The following table provides outstanding balances related to each of our loan types:

 

															June 30, 2024																		December 31, 2023
															(dollars in thousands)
Commercial, financial, agricultural and other															$	1,629,516																	$	1,543,349
Time and demand															1,189,361																		1,187,300
Commercial credit cards															13,225																		12,906
Equipment finance															316,700																		232,944
Time and demand other															110,230																		110,199
Real estate construction															548,055																		597,735
Construction other															523,595																		541,633
Construction residential															24,460																		56,102
Residential real estate															2,394,306																		2,416,876
Residential first lien															1,718,734																		1,739,107
Residential junior lien/home equity															675,572																		677,769
Commercial real estate															3,077,013																		3,053,152
Multifamily															590,471																		551,142
Non-owner occupied															1,766,550																		1,772,785
Owner occupied															719,992																		729,225
Loans to individuals															1,346,000																		1,357,649
Automobile and recreational vehicles															1,270,044																		1,277,969
Consumer credit cards															9,753																		10,291
Consumer other															66,203																		69,389
Total loans and leases															$	8,994,890																	$	8,968,761

Credit Risk Profile by Creditworthiness

The following tables represent our credit risk profile by creditworthiness:

			June 30, 2024
									Non-Pass
			Pass						OAEM						Substandard						Doubtful						Loss						Total Non-Pass						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	1,525,447					$	68,769					$	35,300					$	—					$	—					$	104,069					$	1,629,516
Time and demand			1,087,859						67,387						34,115						—						—						101,502						1,189,361
Commercial credit cards			13,225						—						—						—						—						—						13,225
Equipment finance			314,138						1,377						1,185						—						—						2,562						316,700
Time and demand other			110,225						5						—						—						—						5						110,230
Real estate construction			534,646						154						13,255						—						—						13,409						548,055
Construction other			510,186						154						13,255						—						—						13,409						523,595
Construction residential			24,460						—						—						—						—						—						24,460
Residential real estate			2,382,983						1,479						9,844						—						—						11,323						2,394,306
Residential first lien			1,712,284						1,139						5,311						—						—						6,450						1,718,734
Residential junior lien/home equity			670,699						340						4,533						—						—						4,873						675,572
Commercial real estate			2,964,331						68,098						44,584						—						—						112,682						3,077,013
Multifamily			572,395						18,007						69						—						—						18,076						590,471
Non-owner occupied			1,715,053						27,137						24,360						—						—						51,497						1,766,550
Owner occupied			676,883						22,954						20,155						—						—						43,109						719,992
Loans to individuals			1,345,872						—						128						—						—						128						1,346,000
Automobile and recreational vehicles			1,269,918						—						126						—						—						126						1,270,044
Consumer credit cards			9,753						—						—						—						—						—						9,753
Consumer other			66,201						—						2						—						—						2						66,203
Total loans and leases			$	8,753,279					$	138,500					$	103,111					$	—					$	—					$	241,611					$	8,994,890

 

			December 31, 2023
									Non-Pass
			Pass						OAEM						Substandard						Doubtful						Loss						Total Non-Pass						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	1,453,970					$	58,325					$	31,054					$	—					$	—					$	89,379					$	1,543,349
Time and demand			1,098,763						58,325						30,212						—						—						88,537						1,187,300
Commercial credit cards			12,906						—						—						—						—						—						12,906
Equipment finance			232,102						—						842						—						—						842						232,944
Time and demand other			110,199						—						—						—						—						—						110,199
Real estate construction			585,543						—						12,192						—						—						12,192						597,735
Construction other			529,441						—						12,192						—						—						12,192						541,633
Construction residential			56,102						—						—						—						—						—						56,102
Residential real estate			2,405,240						2,768						8,868						—						—						11,636						2,416,876
Residential first lien			1,732,006						2,415						4,686						—						—						7,101						1,739,107
Residential junior lien/home equity			673,234						353						4,182						—						—						4,535						677,769
Commercial real estate			2,956,338						62,038						34,776						—						—						96,814						3,053,152
Multifamily			538,939						12,117						86						—						—						12,203						551,142
Non-owner occupied			1,722,315						31,652						18,818						—						—						50,470						1,772,785
Owner occupied			695,084						18,269						15,872						—						—						34,141						729,225
Loans to individuals			1,357,483						—						166						—						—						166						1,357,649
Automobile and recreational vehicles			1,277,805						—						164						—						—						164						1,277,969
Consumer credit cards			10,291						—						—						—						—						—						10,291
Consumer other			69,387						—						2						—						—						2						69,389
Total loans and leases			$	8,758,574					$	123,131					$	87,056					$	—					$	—					$	210,187					$	8,968,761

Credit Risk Profile Vintage by Creditworthiness

The following table summarizes the loan risk rating category by loan type including term loans on an amortized cost basis by origination year:

			June 30, 2024
			Term Loans																																				Revolving Loans
			2024						2023						2022						2021						2020						Prior												Total
			(dollars in thousands)
Time and demand			$	67,286					$	165,293					$	136,171					$	92,799					$	58,954					$	83,412					$	585,446					$	1,189,361
Pass			66,090						161,409						131,748						72,433						55,186						67,031						533,962						1,087,859
OAEM			1,196						2,007						3,642						12,448						2,960						7,005						38,129						67,387
Substandard			—						1,877						781						7,918						808						9,376						13,355						34,115
Gross charge-offs			—						(11)						(26)						(34)						(497)						(1,426)						(1,383)						(3,377)
Gross recoveries			—						—						1						—						181						188						24						394
Commercial credit cards			—						—						—						—						—						—						13,225						13,225
Pass			—						—						—						—						—						—						13,225						13,225
Gross charge-offs			—						—						—						—						—						—						(102)						(102)
Gross recoveries			—						—						—						—						—						—						—						—

			June 30, 2024
			Term Loans																																				Revolving Loans
			2024						2023						2022						2021						2020						Prior												Total
			(dollars in thousands)
Equipment finance			112,321						151,881						52,498						—						—						—						—						316,700
Pass			112,321						150,160						51,657						—						—						—						—						314,138
OAEM			—						815						562						—						—						—						—						1,377
Substandard			—						906						279						—						—						—						—						1,185
Gross charge-offs			—						(345)						(369)						—						—						—						—						(714)
Gross recoveries			—						11						25						—						—						—						—						36
Time and demand other			2,620						10,064						5,624						16,835						19,329						45,558						10,200						110,230
Pass			2,620						10,064						5,624						16,835						19,329						45,558						10,195						110,225
OAEM			—						—						—						—						—						—						5						5
Gross charge-offs			—						—						—						—						—						—						(1,057)						(1,057)
Gross recoveries			—						—						—						—						—						1						92						93
Construction other			8,072						156,011						237,638						83,601						5,729						31,564						980						523,595
Pass			8,072						156,011						233,280						82,090						5,729						24,178						826						510,186
OAEM			—						—						—						—						—						—						154						154
Substandard			—						—						4,358						1,511						—						7,386						—						13,255
Gross charge-offs			—						—						—						(35)						—						—						—						(35)
Gross recoveries			—						—						—						—						—						6						—						6
Construction residential			154						20,456						1,895						1,448						—						29						478						24,460
Pass			154						20,456						1,895						1,448						—						29						478						24,460
Gross charge-offs			—						—						—						—						—						—						—						—
Gross recoveries			—						—						—						—						—						—						—						—
Residential first lien			24,836						129,912						389,106						504,624						310,153						358,357						1,746						1,718,734
Pass			24,836						129,141						388,434						503,615						309,810						354,778						1,670						1,712,284
OAEM			—						—						—						179						—						884						76						1,139
Substandard			—						771						672						830						343						2,695						—						5,311
Gross charge-offs			—						(77)						(1)						(21)						—						(10)						—						(109)
Gross recoveries			—						—						—						—						—						113						—						113
Residential junior lien/home equity			9,964						58,566						66,845						40,871						2,500						6,365						490,461						675,572
Pass			9,964						58,555						66,693						40,871						2,500						6,159						485,957						670,699
OAEM			—						—						—						—						—						194						146						340
Substandard			—						11						152						—						—						12						4,358						4,533
Gross charge-offs			—						—						(1)						—						—						—						(145)						(146)
Gross recoveries			—						—						—						—						—						32						25						57
Multifamily			9,642						7,097						173,918						161,264						116,090						121,888						572						590,471
Pass			9,642						7,097						161,507						156,121						116,090						121,366						572						572,395
OAEM			—						—						12,411						5,143						—						453						—						18,007
Substandard			—						—						—						—						—						69						—						69
Gross charge-offs			—						—						—						—						—						—						—						—
Gross recoveries			—						—						—						—						—						—						—						—
Non-owner occupied			13,727						192,964						416,073						190,018						164,420						775,897						13,451						1,766,550
Pass			13,727						189,954						408,117						189,774						159,792						740,303						13,386						1,715,053
OAEM			—						—						7,785						244						1,686						17,422						—						27,137
Substandard			—						3,010						171						—						2,942						18,172						65						24,360
Gross charge-offs			—						—						(50)						—						—						(420)						—						(470)
Gross recoveries			—						—						—						—						—						48						—						48

			June 30, 2024
			Term Loans																																				Revolving Loans
			2024						2023						2022						2021						2020						Prior												Total
			(dollars in thousands)
Owner occupied			33,806						105,265						153,006						152,083						68,245						195,475						12,112						719,992
Pass			32,756						104,533						146,115						146,580						62,878						173,778						10,243						676,883
OAEM			1,050						113						5,232						5,233						341						9,222						1,763						22,954
Substandard			—						619						1,659						270						5,026						12,475						106						20,155
Gross charge-offs			—						—						(141)						—						—						(13)						—						(154)
Gross recoveries			—						—						—						—						—						35						41						76
Automobile and recreational vehicles			201,312						372,475						388,619						190,931						91,692						25,015						—						1,270,044
Pass			201,312						372,475						388,618						190,875						91,685						24,953						—						1,269,918
Substandard			—						—						1						56						7						62						—						126
Gross charge-offs			—						(892)						(1,693)						(555)						(283)						(302)						—						(3,725)
Gross recoveries			—						151						406						300						184						220						—						1,261
Consumer credit cards			—						—						—						—						—						—						9,753						9,753
Pass			—						—						—						—						—						—						9,753						9,753
Gross charge-offs			—						—						—						—						—						—						(228)						(228)
Gross recoveries			—						—						—						—						—						—						45						45
Consumer other			4,581						5,588						3,321						11,794						988						2,756						37,175						66,203
Pass			4,581						5,588						3,321						11,794						988						2,756						37,173						66,201
Substandard			—						—						—						—						—						—						2						2
Gross charge-offs			—						(57)						(56)						(46)						(12)						(27)						(717)						(915)
Gross recoveries			—						—						14						19						3						67						96						199
Total loans and leases			$	488,321					$	1,375,572					$	2,024,714					$	1,446,268					$	838,100					$	1,646,316					$	1,175,599					$	8,994,890
Total charge-offs			$	—					$	(1,382)					$	(2,337)					$	(691)					$	(792)					$	(2,198)					$	(3,632)					$	(11,032)
Total recoveries			$	—					$	162					$	446					$	319					$	368					$	710					$	323					$	2,328

Age Analysis of Past Due Loans by Segment

The following tables delineate the aging analysis of the recorded investments in past due loans as of June 30, 2024 and December 31, 2023. Also included in these tables are loans that are 90 days or more past due and still accruing because they are well-secured and in the process of collection.

Subsequent to June 30, 2024, a commercial real estate borrower with an outstanding balance of $10.1 million included in the table below as 30-59 days delinquent was paid off in full by the borrower.

			June 30, 2024
			30 - 59 days past due						60 - 89 days past due						90 days or greater and still accruing						Nonaccrual						Total past due and nonaccrual						Current						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	910					$	663					$	16					$	13,767					$	15,356					$	1,614,160					$	1,629,516
Time and demand			193						81						16						12,780						13,070						1,176,291						1,189,361
Commercial credit cards			65						20						—						—						85						13,140						13,225
Equipment finance			652						562						—						987						2,201						314,499						316,700
Time and demand other			—						—						—						—						—						110,230						110,230
Real estate construction			377						—						—						5,869						6,246						541,809						548,055
Construction other			377						—						—						5,869						6,246						517,349						523,595
Construction residential			—						—						—						—						—						24,460						24,460
Residential real estate			7,419						1,766						1,341						9,576						20,102						2,374,204						2,394,306
Residential first lien			5,680						1,095						946						5,043						12,764						1,705,970						1,718,734
Residential junior lien/home equity			1,739						671						395						4,533						7,338						668,234						675,572
Commercial real estate			19,816						—						—						27,779						47,595						3,029,418						3,077,013
Multifamily			21						—						—						47						68						590,403						590,471
Non-owner occupied			10,918						—						—						23,226						34,144						1,732,406						1,766,550
Owner occupied			8,877						—						—						4,506						13,383						706,609						719,992
Loans to individuals			4,619						919						396						128						6,062						1,339,938						1,346,000
Automobile and recreational vehicles			4,374						695						87						126						5,282						1,264,762						1,270,044
Consumer credit cards			58						47						7						—						112						9,641						9,753
Consumer other			187						177						302						2						668						65,535						66,203
Total loans and leases			$	33,141					$	3,348					$	1,753					$	57,119					$	95,361					$	8,899,529					$	8,994,890

 

			December 31, 2023
			30 - 59 days past due						60 - 89 days past due						90 days or greater and still accruing						Nonaccrual						Total past due and nonaccrual						Current						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	1,206					$	745					$	4,187					$	10,060					$	16,198					$	1,527,151					$	1,543,349
Time and demand			565						691						4,187						9,218						14,661						1,172,639						1,187,300
Commercial credit cards			7						54						—						—						61						12,845						12,906
Equipment finance			600						—						—						842						1,442						231,502						232,944
Time and demand other			34						—						—						—						34						110,165						110,199
Real estate construction			—						—						—						3,288						3,288						594,447						597,735
Construction other			—						—						—						3,288						3,288						538,345						541,633
Construction residential			—						—						—						—						—						56,102						56,102
Residential real estate			6,982						1,535						1,062						8,573						18,152						2,398,724						2,416,876
Residential first lien			4,130						940						171						4,443						9,684						1,729,423						1,739,107
Residential junior lien/home equity			2,852						595						891						4,130						8,468						669,301						677,769
Commercial real estate			4,157						—						3,509						17,385						25,051						3,028,101						3,053,152
Multifamily			—						—						—						55						55						551,087						551,142
Non-owner occupied			2,303						—						3,509						14,282						20,094						1,752,691						1,772,785
Owner occupied			1,854						—						—						3,048						4,902						724,323						729,225
Loans to individuals			4,613						878						678						166						6,335						1,351,314						1,357,649
Automobile and recreational vehicles			4,115						612						151						164						5,042						1,272,927						1,277,969
Consumer credit cards			39						71						—						—						110						10,181						10,291
Consumer other			459						195						527						2						1,183						68,206						69,389
Total loans and leases			$	16,958					$	3,158					$	9,436					$	39,472					$	69,024					$	8,899,737					$	8,968,761

Recorded Investment and Unpaid Principal Balance for Impaired Loans with Associated Allowance

The following tables include the recorded investment and unpaid principal balance for nonperforming loans with the associated allowance amount, if applicable, as of June 30, 2024 and December 31, 2023. Also presented are the average recorded investment in nonperforming loans and the related amount of interest recognized while the loan was considered nonperforming. Average balances are calculated using month-end balances of the loans for the period reported and are included in the table below based on their period-end allowance position.

			June 30, 2024																		December 31, 2023
			Recorded investment						Unpaid principal balance						Related specific allowance						Recorded investment						Unpaid principal balance						Related specific allowance
			(dollars in thousands)
With no related specific allowance recorded:
Commercial, financial, agricultural and other			$	3,634					$	16,474											$	4,369					$	18,014
Time and demand			2,907						15,747												3,527						17,172
Equipment finance			727						727												842						842
Time and demand other			—						—												—						—
Real estate construction			5,869						5,869												3,288						3,288
Construction other			5,869						5,869												3,288						3,288
Construction residential			—						—												—						—
Residential real estate			8,327						9,974												7,042						8,763
Residential first lien			5,043						5,952												4,161						5,151
Residential junior lien/home equity			3,284						4,022												2,881						3,612
Commercial real estate			6,682						6,565												12,402						18,219
Multifamily			47						52												55						58
Non-owner occupied			3,923						3,687												10,971						17,092
Owner occupied			2,712						2,826												1,376						1,069
Loans to individuals			128						220												166						259
Automobile and recreational vehicles			126						218												164						257
Consumer other			2						2												2						2
Subtotal			24,640						39,102												27,267						48,543
With a specific allowance recorded:
Commercial, financial, agricultural and other			10,133						11,036						$	6,199					5,691						6,787						$	4,044
Time and demand			9,873						10,776						6,114						5,691						6,787						4,044
Equipment finance			260						260						85						—						—						—
Time and demand other			—						—						—						—						—						—
Real estate construction			—						—						—						—						—						—
Construction other			—						—						—						—						—						—
Construction residential			—						—						—						—						—						—
Residential real estate			1,249						1,418						140						1,531						1,697						118
Residential first lien			—						—						—						282						279						39
Residential junior lien/home equity			1,249						1,418						140						1,249						1,418						79
Commercial real estate			21,097						22,648						4,572						4,983						5,294						387
Multifamily			—						—						—						—						—						—
Non-owner occupied			19,303						20,729						3,624						3,311						3,550						174
Owner occupied			1,794						1,919						948						1,672						1,744						213
Loans to individuals			—						—						—						—						—						—
Automobile and recreational vehicles			—						—						—						—						—						—
Consumer other			—						—						—						—						—						—
Subtotal			32,479						35,102						10,911						12,205						13,778						4,549
Total			$	57,119					$	74,204					$	10,911					$	39,472					$	62,321					$	4,549

															For the Six Months Ended June 30,
															2024																								2023
															Average recorded investment						Interest income recognized																		Average recorded investment						Interest income recognized
															(dollars in thousands)
With no related specific allowance recorded:
Commercial, financial, agricultural and other															$	5,153					$	—																	$	4,444					$	(10)
Time and demand															4,366						—																		4,283						(10)
Equipment finance															787						—																		161						—
Time and demand other															—						—																		—						—
Real estate construction															3,718						—																		—						—
Construction other															3,718						—																		—						—
Construction residential															—						—																		—						—
Residential real estate															7,943						113																		6,190						40
Residential first lien															4,708						110																		3,510						40
Residential junior lien/home equity															3,235						3																		2,680						—
Commercial real estate															5,426						46																		22,769						(43)
Multifamily															50						—																		11						—
Non-owner occupied															2,513						3																		20,565						4
Owner occupied															2,863						43																		2,193						(47)
Loans to individuals															143						3																		443						1
Automobile and recreational vehicles															141						3																		355						1
Consumer other															2						—																		88						—
Subtotal															22,383						162																		33,846						(12)
With a specific allowance recorded:
Commercial, financial, agricultural and other															4,585						8																		8,056						—
Time and demand															4,542						8																		8,056						—
Equipment finance															43						—																		—						—
Time and demand other															—						—																		—						—
Real estate construction															—						—																		—						—
Construction other															—						—																		—						—
Construction residential															—						—																		—						—
Residential real estate															1,249						—																		1,030						—
Residential first lien															—						—																		—						—
Residential junior lien/home equity															1,249						—																		1,030						—
Commercial real estate															13,193						—																		100						—
Multifamily															—						—																		—						—
Non-owner occupied															12,223						—																		—						—
Owner occupied															970						—																		100						—
Loans to individuals															—						—																		—						—
Automobile and recreational vehicles															—						—																		—						—
Consumer other															—						—																		—						—
Subtotal															19,027						8																		9,186						—
Total															$	41,410					$	170																	$	43,032					$	(12)

															For the Three Months Ended June 30,
															2024																					2023
															Average recorded investment						Interest income recognized																		Average recorded investment						Interest Income Recognized
															(dollars in thousands)
With no related specific allowance recorded:
Commercial, financial, agricultural and other															$	4,764					$	—																	$	4,416					$	(10)
Time and demand															3,959						—																		4,332						(10)
Equipment finance															805						—																		84						—
Time and demand other															—						—																		—						—
Real estate construction															4,148						—																		—						—
Construction other															4,148						—																		—						—
Construction residential															—						—																		—						—
Residential real estate															8,169						105																		6,312						19
Residential first lien															4,855						102																		3,584						19
Residential junior lien/home equity															3,314						3																		2,728						—
Commercial real estate															4,102						11																		22,853						(43)
Multifamily															48						—																		23						—
Non-owner occupied															1,890						1																		20,527						4
Owner occupied															2,164						10																		2,303						(47)
Loans to individuals															134						2																		454						1
Automobile and recreational vehicles															132						2																		353						1
Consumer other															2						—																		101						—
Subtotal															21,317						118																		34,035						(33)
With a specific allowance recorded:
Commercial, financial, agricultural and other															6,014						8																		11,445						—
Time and demand															5,927						8																		11,445						—
Equipment finance															87						—																		—						—
Time and demand other															—						—																		—						—
Real estate construction															—						—																		—						—
Construction other															—						—																		—						—
Construction residential															—						—																		—						—
Residential real estate															1,249						—																		1,237						—
Residential first lien															—						—																		—						—
Residential junior lien/home equity															1,249						—																		1,237						—
Commercial real estate															17,354						—																		200						—
Multifamily															—						—																		—						—
Non-owner occupied															15,785						—																		—						—
Owner occupied															1,569						—																		200						—
Loans to individuals															—						—																		—						—
Automobile and recreational vehicles															—						—																		—						—
Consumer other															—						—																		—						—
Subtotal															24,617						8																		12,882						—
Total															$	45,934					$	126																	$	46,917					$	(33)

Financing Receivable, Modified [Table Text Block]

The following tables present the amortized cost basis of loan modifications made to borrowers experiencing financial difficulty:

			For the Six Months Ended June 30, 2024
			Rate Reduction						Term Extension						Payment Deferral						Term Extension and Payment Deferral						Rate Reduction, Term Extension and Payment Deferral						Rate Reduction and Payment Deferral						Total						Percentage of Total Loans and Leases
			(dollars in thousands)
Commercial, financial, agricultural and other			$	189					$	1,114					$	—					$	66					$	—					$	102					$	1,471					0.09		%
Time and demand			189						1,114						—						—						—						—						1,303						0.11
Equipment finance			—						—						—						66						—						102						168						0.05
Residential real estate			—						89						—						389						—						—						478						0.02
Residential first lien			—						89						—						360						—						—						449						0.03
Residential junior lien/home equity			—						—						—						29						—						—						29						—
Commercial real estate			—						—						9,675						152						—						—						9,827						0.32
Owner occupied			—						—						9,675						152						—						—						9,827						1.36
Loans to individuals			—						12						—						9						13						—						34						—
Automobile and recreational vehicles			—						12						—						9						13						—						34						—
Total			$	189					$	1,215					$	9,675					$	616					$	13					$	102					$	11,810					0.13		%

			For the Six Months Ended June 30, 2023
			Rate Reduction						Term Extension						Principal Forgiveness						Term Extension and Payment Deferral						Total						Percentage of Total Loans and Leases
			(dollars in thousands)
Residential real estate			$	24					$	161					$	—					$	244					$	429					0.02		%
Residential first lien			24						161						—						244						429						0.03
Total			$	24					$	161					$	—					$	244					$	429					—		%

			For the Three Months Ended June 30, 2024
			Rate Reduction						Term Extension						Payment Deferral						Term Extension and Payment Deferral						Total						Percentage of Total Loans and Leases
			(dollars in thousands)
Commercial, financial, agricultural and other			$	—					$	245					$	—					$	—					$	245					0.02		%
Time and demand			—						245						—						—						245						0.02
Residential real estate			—						—						—						193						193						0.01
Residential first lien			—						—						—						193						193						0.01
Commercial real estate			—						—						9,675						—						9,675						0.31
Owner occupied			—						—						9,675						—						9,675						1.34
Total			$	—					$	245					$	9,675					$	193					$	10,113					0.11		%

			For the Three Months Ended June 30, 2023
			Rate Reduction						Term Extension						Principal Forgiveness						Term Extension and Payment Deferral						Total						Percentage of Total Loans and Leases
			(dollars in thousands)
Residential real estate			$	—					$	161					$	—					$	244					$	405					0.02		%
Residential first lien			—						161						—						244						405						0.02
Total loans and leases			$	—					$	161					$	—					$	244					$	405					—		%

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty:

			For the Six Months Ended June 30, 2024
			Rate Reduction						Term Extension (Years)						Principal Forgiveness						Payment Deferral (Years)
			(dollars in thousands)
Commercial, financial, agricultural and other			1.78		%				2.1						$	—					0.4
Time and demand			1.50						2.1						—						0.0
Equipment finance			2.30						0.5						—						0.4
Residential real estate			—						4.2						—						0.6
Residential first lien			—						3.8						—						0.7
Residential junior lien/home equity			—						10.3						—						0.3
Commercial real estate			—						0.5						—						0.9
Owner occupied			—						0.5						—						0.9
Loans to individuals			2.39						2.6						—						0.4
Automobile and recreational vehicles			2.39						2.6						—						0.4
Total			1.81		%				2.5						$	—					0.9

			For the Six Months Ended June 30, 2023
			Rate Reduction						Term Extension (Years)						Principal Forgiveness						Payment Deferral (Years)
			(dollars in thousands)
Residential real estate			2.25		%				3.1						$	—					0.5
Residential first lien			2.25						3.1						—						0.5
Total			2.25		%				3.1						$	—					0.5

			For the Three Months Ended June 30, 2024
			Rate Reduction						Term Extension (Years)						Principal Forgiveness						Payment Deferral (Years)
			(dollars in thousands)
Commercial, financial, agricultural and other			—		%				5.0						$	—					0.0
Time and demand			—						5.0						—						0.0
Residential real estate			—						1.4						—						0.5
Residential first lien			—						1.4						—						0.5
Commercial real estate			—						0.0						—						0.9
Owner occupied			—						0.0						—						0.9
Total			—		%				3.4						$	—					0.9

			For the Three Months Ended June 30, 2023
			Rate Reduction						Term Extension (Years)						Principal Forgiveness						Payment Deferral (Years)
			(dollars in thousands)
Residential real estate			—		%				3.1						—						0.5
Residential first lien			—						3.1						—						0.5
Total			—		%				3.1						$	—					0.5

Financing Receivable, Modified, Past Due

The following table shows the payment status of loans that have been modified in the last twelve months prior to the date presented:

			June 30, 2024
			Current						30 - 59 days past due						60 - 89 days past due						90 days or greater and still accruing						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	1,273					$	245					$	—					$	—					$	1,518
Time and demand			1,105						245						—						—						1,350
Equipment finance			168						—						—						—						168
Residential real estate			570						238						—						—						808
Residential first lien			541						238						—						—						779
Residential junior lien/home equity			29						—						—						—						29
Commercial real estate			9,675						152						—						—						9,827
Owner occupied			9,675						152						—						—						9,827
Loans to individuals			34						—						—						—						34
Automobile and recreational vehicles			34						—						—						—						34
Total loans and leases			$	11,552					$	635					$	—					$	—					$	12,187

			December 31, 2023
			Current						30 - 59 days past due						60 - 89 days past due						90 days or greater and still accruing						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	50					$	—					$	—					$	—					$	50
Time and demand			50						—						—						—						50
Residential real estate			758						—						—						—						758
Residential first lien			758						—						—						—						758
Commercial real estate			9,663						—						—						—						9,663
Owner occupied			9,663						—						—						—						9,663
Total loans and leases			$	10,471					$	—					$	—					$	—					$	10,471

Allowance for Credit Losses

The following tables provide detail related to the allowance for credit losses:

			For the Six Months Ended June 30, 2024
			Beginning balance																		Charge-offs						Recoveries						Provision (credit)a						Ending balance
			(dollars in thousands)
Commercial, financial, agricultural and other			$	27,996																	$	(5,250)					$	523					$	7,339					$	30,608
Time and demand			22,819																		(3,377)						394						3,753						23,589
Commercial credit cards			278																		(102)						—						68						244
Equipment finance			3,399																		(714)						36						2,571						5,292
Time and demand other			1,500																		(1,057)						93						947						1,483
Real estate construction			7,418																		(35)						6						(1,000)						6,389
Construction other			6,448																		(35)						6						(402)						6,017
Construction residential			970																		—						—						(598)						372
Residential real estate			23,901																		(255)						170						(1,643)						22,173
Residential first lien			16,975																		(109)						113						(1,234)						15,745
Residential junior lien/home equity			6,926																		(146)						57						(409)						6,428
Commercial real estate			37,071																		(624)						124						5,973						42,544
Multifamily			5,233																		—						—						(27)						5,206
Non-owner occupied			19,995																		(470)						48						5,463						25,036
Owner occupied			11,843																		(154)						76						537						12,302
Loans to individuals			21,332																		(4,868)						1,505						3,971						21,940
Automobile and recreational vehicles			19,142																		(3,725)						1,261						2,998						19,676
Consumer credit cards			372																		(228)						45						157						346
Consumer other			1,818																		(915)						199						816						1,918
Total loans and leases			$	117,718																	$	(11,032)					$	2,328					$	14,640					$	123,654

a) The provision expense (credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.

			For the Six Months Ended June 30, 2023
			Beginning balance						Allowance for credit loss on PCD acquired loans						Charge-offs						Recoveries						Provision (credit)a						Ending balance
			(dollars in thousands)
Commercial, financial, agricultural and other			$	22,650					$	19,417					$	(7,340)					$	254					$	6,733					$	41,714
Time and demand			20,040						19,417						(6,470)						168						4,718						37,873
Commercial credit cards			335						—						(35)						7						13						320
Equipment finance			1,086						—						(45)						—						1,033						2,074
Time and demand other			1,189						—						(790)						79						969						1,447
Real estate construction			8,822						287						—						—						(1,381)						7,728
Construction other			6,360						227						—						—						(442)						6,145
Construction residential			2,462						60						—						—						(939)						1,583
Residential real estate			21,412						527						(80)						71						1,810						23,740
Residential first lien			14,822						197						(17)						43						1,518						16,563
Residential junior lien/home equity			6,590						330						(63)						28						292						7,177
Commercial real estate			28,804						6,971						(1,517)						136						4,533						38,927
Multifamily			4,726						234						—						—						815						5,775
Non-owner occupied			16,426						2,739						—						124						2,421						21,710
Owner occupied			7,652						3,998						(1,517)						12						1,297						11,442
Loans to individuals			21,218						3						(2,289)						927						1,578						21,437
Automobile and recreational vehicles			18,819						3						(1,586)						702						1,320						19,258
Consumer credit cards			412						—						(146)						47						62						375
Consumer other			1,987						—						(557)						178						196						1,804
Total loans and leases			$	102,906					$	27,205					$	(11,226)					$	1,388					$	13,273					$	133,546

a) The provision expense (credit) shown here includes the day 1 provision on non-PCD loans acquired from Centric and excludes the provision for off-balance sheet credit exposure included in the income statement.

			For the Three Months Ended June 30, 2024
			Beginning balance												Charge-offs						Recoveries						Provision (credit)a						Ending balance
			(dollars in thousands)
Commercial, financial, agricultural and other			$	27,046											$	(2,588)					$	103					$	6,047					$	30,608
Time and demand			20,836												(1,612)						47						4,318						23,589
Commercial credit cards			305												(58)						—						(3)						244
Equipment finance			4,326												(363)						21						1,308						5,292
Time and demand other			1,579												(555)						35						424						1,483
Real estate construction			6,549												(35)						—						(125)						6,389
Construction other			5,801												(35)						—						251						6,017
Construction residential			748												—						—						(376)						372
Residential real estate			23,893												(175)						111						(1,656)						22,173
Residential first lien			16,883												(81)						70						(1,127)						15,745
Residential junior lien/home equity			7,010												(94)						41						(529)						6,428
Commercial real estate			39,103												(341)						10						3,772						42,544
Multifamily			5,225												—						—						(19)						5,206
Non-owner occupied			22,064												(187)						4						3,155						25,036
Owner occupied			11,814												(154)						6						636						12,302
Loans to individuals			22,507												(2,330)						843						920						21,940
Automobile and recreational vehicles			20,243												(1,783)						708						508						19,676
Consumer credit cards			347												(78)						27						50						346
Consumer other			1,917												(469)						108						362						1,918
Total loans and leases			$	119,098											$	(5,469)					$	1,067					$	8,958					$	123,654

a) The provision expense (credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.

			For the Three Months Ended June 30, 2023
			Beginning balance						Allowance for credit loss on PCD acquired loans						Charge-offs						Recoveries						Provision (credit)a						Ending balance
			(dollars in thousands)
Commercial, financial, agricultural and other			$	42,568					$	3,468					$	(6,677)					$	95					$	2,260					$	41,714
Time and demand			39,465						3,468						(6,215)						52						1,103						37,873
Commercial credit cards			331						—						(9)						5						(7)						320
Equipment finance			1,461						—						—						—						613						2,074
Time and demand other			1,311						—						(453)						38						551						1,447
Real estate construction			7,949						—						—						—						(221)						7,728
Construction other			5,891						—						—						—						254						6,145
Construction residential			2,058						—						—						—						(475)						1,583
Residential real estate			22,773						—						(1)						33						935						23,740
Residential first lien			15,824						—						(1)						17						723						16,563
Residential junior lien/home equity			6,949						—						—						16						212						7,177
Commercial real estate			39,377						1,658						(1,517)						94						(685)						38,927
Multifamily			5,541						—						—						—						234						5,775
Non-owner occupied			21,552						—						—						86						72						21,710
Owner occupied			12,284						1,658						(1,517)						8						(991)						11,442
Loans to individuals			21,218						—						(1,148)						456						911						21,437
Automobile and recreational vehicles			19,013						—						(784)						312						717						19,258
Consumer credit cards			368						—						(80)						30						57						375
Consumer other			1,837						—						(284)						114						137						1,804
Total loans and leases			$	133,885					$	5,126					$	(9,343)					$	678					$	3,200					$	133,546

a) The provision expense (credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.

a) The provision expense (credit) shown here includes the day 1 provision on non-PCD loans acquired from Centric and excludes the provision for off-balance sheet credit exposure included in the income statement.

[1]	a) The provision expense (credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.
[2]	The provision expense (credit) shown here includes the day 1 provision on non-PCD loans acquired from Centric and excludes the provision for off-balance sheet credit exposure included in the income statement.

X

- Definition

Credit Risk Profile Vintage by Creditworthiness

+ References

No definition available.

+ Details

Name:	fcf_CreditRiskProfileVintageByCreditworthinessTableTextBlock
Namespace Prefix:	fcf_
Data Type:	dtr-types1:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Schedule of recorded investment and unpaid principal balance for impaired loans with the associated allowance.

+ References

No definition available.

+ Details

Name:	fcf_ScheduleOfRecordedInvestmentAndUnpaidPrincipalBalanceForImpairedLoansWithAssociatedAllowanceTableTextBlock
Namespace Prefix:	fcf_
Data Type:	dtr-types1:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of allowance for credit loss on financing receivable.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11B
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