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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 | 9 Months Ended | 12 Months Ended
--- | --- | --- | ---
Sep. 30, 2025 | Jun. 30, 2025 | Sep. 30, 2024 | Sep. 30, 2025 | Sep. 30, 2024 | Dec. 31, 2024
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |  |
Beginning Balance |  |  |  | $ 40,714 |  |
Credit Loss Expense | $ 4,284 |  | $ 4,263 | 4,912 | $ 14,314 |
Charge-offs |  |  |  | (27,953) |  | $ (14,790)
Initial ACL on Loans Purchased with Credit Deterioration |  | $ 10,780 |  |  |  |
Ending Balance | 33,549 |  |  | 33,549 |  | 40,714
Loans Held for Investment |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |  |
Beginning Balance | 38,691 |  | 39,591 | 40,714 | 35,219 | 35,219
Credit Loss Expense | 4,249 |  | 5,174 | 5,047 | 14,151 |
Charge-offs | (9,690) |  | (3,827) | (27,953) | (9,188) |
Recoveries | 299 |  | 305 | 4,961 | 1,061 |
Initial ACL on Loans Purchased with Credit Deterioration | 0 |  | 0 | 10,780 | 0 |
Ending Balance | 33,549 | 38,691 | 41,243 | 33,549 | 41,243 | 40,714
Commercial real estate |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |  |
Charge-offs |  |  |  | (157) |  | (831)
Commercial real estate | Loans Held for Investment |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |  |
Beginning Balance | 4,198 |  | 5,438 | 3,825 | 6,030 | 6,030
Credit Loss Expense | 306 |  | (206) | 733 | (798) |
Charge-offs | (36) |  | (831) | (157) | (831) |
Recoveries | 4 |  | 0 | 71 | 0 |
Initial ACL on Loans Purchased with Credit Deterioration | 0 |  | 0 | 0 | 0 |
Ending Balance | 4,472 | 4,198 | 4,401 | 4,472 | 4,401 | 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 | 2,589 |  | 2,596 | 2,873 | 965 | 965
Credit Loss Expense | (415) |  | 333 | (450) | 1,963 |
Charge-offs | 0 |  | 0 | (250) | 0 |
Recoveries | 46 |  | 0 | 47 | 1 |
Initial ACL on Loans Purchased with Credit Deterioration | 0 |  | 0 | 0 | 0 |
Ending Balance | 2,220 | 2,589 | 2,929 | 2,220 | 2,929 | 2,873
1-4 family residential |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |  |
Charge-offs |  |  |  | (104) |  | (72)
1-4 family residential | Loans Held for Investment |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |  |
Beginning Balance | 1,560 |  | 972 | 1,404 | 927 | 927
Credit Loss Expense | 243 |  | 15 | 442 | 71 |
Charge-offs | (58) |  | (18) | (104) | (32) |
Recoveries | 23 |  | 1 | 26 | 4 |
Initial ACL on Loans Purchased with Credit Deterioration | 0 |  | 0 | 0 | 0 |
Ending Balance | 1,768 | 1,560 | 970 | 1,768 | 970 | 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 | 302 |  | 395 | 386 | 442 | 442
Credit Loss Expense | (7) |  | (1) | (91) | (48) |
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 | 295 | 302 | 394 | 295 | 394 | 386
Commercial |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |  |
Charge-offs |  |  |  | (20,927) |  | (6,218)
Commercial | Loans Held for Investment |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |  |
Beginning Balance | 17,813 |  | 17,372 | 21,419 | 14,060 | 14,060
Credit Loss Expense | 1,724 |  | 4,489 | 2,486 | 9,558 |
Charge-offs | (5,424) |  | (1,913) | (20,927) | (3,734) |
Recoveries | 18 |  | 18 | 373 | 82 |
Initial ACL on Loans Purchased with Credit Deterioration | 0 |  | 0 | 10,780 | 0 |
Ending Balance | 14,131 | 17,813 | 19,966 | 14,131 | 19,966 | 21,419
Factored receivables |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |  |
Charge-offs |  |  |  | (6,087) |  | (7,186)
Factored receivables | Loans Held for Investment |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |  |
Beginning Balance | 10,553 |  | 11,928 | 9,600 | 11,896 | 11,896
Credit Loss Expense | 2,310 |  | 323 | 1,181 | 3,045 |
Charge-offs | (4,014) |  | (951) | (6,087) | (4,283) |
Recoveries | 183 |  | 270 | 4,338 | 912 |
Initial ACL on Loans Purchased with Credit Deterioration | 0 |  | 0 | 0 | 0 |
Ending Balance | 9,032 | 10,553 | 11,570 | 9,032 | 11,570 | 9,600
Consumer |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |  |
Charge-offs |  |  |  | (428) |  | (483)
Consumer | Loans Held for Investment |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |  |
Beginning Balance | 466 |  | 156 | 185 | 171 | 171
Credit Loss Expense | 114 |  | 88 | 584 | 221 |
Charge-offs | (158) |  | (114) | (428) | (308) |
Recoveries | 25 |  | 16 | 106 | 62 |
Initial ACL on Loans Purchased with Credit Deterioration | 0 |  | 0 | 0 | 0 |
Ending Balance | 447 | 466 | 146 | 447 | 146 | 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 | 1,210 |  | 734 | 1,022 | 728 | 728
Credit Loss Expense | (26) |  | 133 | 162 | 139 |
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 | $ 1,184 | $ 1,210 | $ 867 | $ 1,184 | $ 867 | $ 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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