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LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Allowance for Loan and Lease Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended | 12 Months Ended
--- | --- | --- | ---
Jun. 30, 2025 | Jun. 30, 2024 | Jun. 30, 2025 | Jun. 30, 2024 | Dec. 31, 2024
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Balance |  |  | $ 40,714 |  |
Credit Loss Expense | $ (702) | $ 4,155 | 628 | $ 10,051 |
Charge-offs |  |  | (18,263) |  | $ (14,790)
Initial ACL on Loans Purchased with Credit Deterioration | 10,780 |  |  |  |
Ending Balance | 38,691 |  | 38,691 |  | 40,714
Loans Held for Investment |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Balance | 36,229 | 38,246 | 40,714 | 35,219 | 35,219
Credit Loss Expense | (516) | 4,068 | 798 | 8,977 |
Charge-offs | (12,188) | (3,102) | (18,263) | (5,361) |
Recoveries | 4,386 | 379 | 4,662 | 756 |
Initial ACL on Loans Purchased with Credit Deterioration | 10,780 | 0 | 10,780 | 0 |
Ending Balance | 38,691 | 39,591 | 38,691 | 39,591 | 40,714
Commercial real estate |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Charge-offs |  |  | (121) |  | (831)
Commercial real estate | Loans Held for Investment |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Balance | 4,657 | 5,666 | 3,825 | 6,030 | 6,030
Credit Loss Expense | (518) | (228) | 427 | (592) |
Charge-offs | (5) | 0 | (121) | 0 |
Recoveries | 64 | 0 | 67 | 0 |
Initial ACL on Loans Purchased with Credit Deterioration | 0 | 0 | 0 | 0 |
Ending Balance | 4,198 | 5,438 | 4,198 | 5,438 | 3,825
Construction, land development, land |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Charge-offs |  |  | (250) |  | 0
Construction, land development, land | Loans Held for Investment |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Balance | 2,639 | 2,666 | 2,873 | 965 | 965
Credit Loss Expense | 199 | (71) | (35) | 1,630 |
Charge-offs | (250) | 0 | (250) | 0 |
Recoveries | 1 | 1 | 1 | 1 |
Initial ACL on Loans Purchased with Credit Deterioration | 0 | 0 | 0 | 0 |
Ending Balance | 2,589 | 2,596 | 2,589 | 2,596 | 2,873
1-4 family residential |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Charge-offs |  |  | (46) |  | (72)
1-4 family residential | Loans Held for Investment |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Balance | 1,446 | 979 | 1,404 | 927 | 927
Credit Loss Expense | 158 | 6 | 199 | 56 |
Charge-offs | (45) | (14) | (46) | (14) |
Recoveries | 1 | 1 | 3 | 3 |
Initial ACL on Loans Purchased with Credit Deterioration | 0 | 0 | 0 | 0 |
Ending Balance | 1,560 | 972 | 1,560 | 972 | 1,404
Farmland |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Charge-offs |  |  | 0 |  | 0
Farmland | Loans Held for Investment |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Balance | 326 | 407 | 386 | 442 | 442
Credit Loss Expense | (24) | (12) | (84) | (47) |
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Initial ACL on Loans Purchased with Credit Deterioration | 0 | 0 | 0 | 0 |
Ending Balance | 302 | 395 | 302 | 395 | 386
Commercial |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Charge-offs |  |  | (15,503) |  | (6,218)
Commercial | Loans Held for Investment |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Balance | 16,191 | 16,560 | 21,419 | 14,060 | 14,060
Credit Loss Expense | 1,693 | 2,018 | 762 | 5,069 |
Charge-offs | (11,132) | (1,237) | (15,503) | (1,821) |
Recoveries | 281 | 31 | 355 | 64 |
Initial ACL on Loans Purchased with Credit Deterioration | 10,780 | 0 | 10,780 | 0 |
Ending Balance | 17,813 | 17,372 | 17,813 | 17,372 | 21,419
Factored receivables |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Charge-offs |  |  | (2,073) |  | (7,186)
Factored receivables | Loans Held for Investment |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Balance | 9,851 | 11,192 | 9,600 | 11,896 | 11,896
Credit Loss Expense | (2,638) | 2,166 | (1,129) | 2,722 |
Charge-offs | (665) | (1,774) | (2,073) | (3,332) |
Recoveries | 4,005 | 344 | 4,155 | 642 |
Initial ACL on Loans Purchased with Credit Deterioration | 0 | 0 | 0 | 0 |
Ending Balance | 10,553 | 11,928 | 10,553 | 11,928 | 9,600
Consumer |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Charge-offs |  |  | (270) |  | (483)
Consumer | Loans Held for Investment |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Balance | 155 | 135 | 185 | 171 | 171
Credit Loss Expense | 368 | 96 | 470 | 133 |
Charge-offs | (91) | (77) | (270) | (194) |
Recoveries | 34 | 2 | 81 | 46 |
Initial ACL on Loans Purchased with Credit Deterioration | 0 | 0 | 0 | 0 |
Ending Balance | 466 | 156 | 466 | 156 | 185
Mortgage warehouse |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Charge-offs |  |  | 0 |  | 0
Mortgage warehouse | Loans Held for Investment |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Balance | 964 | 641 | 1,022 | 728 | 728
Credit Loss Expense | 246 | 93 | 188 | 6 |
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Initial ACL on Loans Purchased with Credit Deterioration | 0 | 0 | 0 | 0 |
Ending Balance | $ 1,210 | $ 734 | $ 1,210 | $ 734 | $ 1,022

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- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 + Details
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