v3.25.4

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Allowance for Loan and Lease Losses (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2025 | Dec. 31, 2024 | Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Balance | $ 40,714 |  |
Credit Loss Expense (Benefit) | 3,148 | $ 18,767 | $ 12,203
Charge-offs | (32,925) | (14,790) |
Ending Balance | 36,511 | 40,714 |
Loans Held for Investment |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Balance | 40,714 | 35,219 | 42,807
Credit Loss Expense (Benefit) | 3,230 | 18,603 | 12,226
Charge-offs | (32,925) | (14,790) | (21,477)
Recoveries | 14,712 | 1,682 | 1,663
Initial ACL on Loans Purchased with Credit Deterioration | 10,780 | 0 | 0
Ending Balance | 36,511 | 40,714 | 35,219
Commercial real estate |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Charge-offs | (203) | (831) |
Commercial real estate | Loans Held for Investment |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Balance | 3,825 | 6,030 | 4,459
Credit Loss Expense (Benefit) | 1,020 | (1,749) | 1,593
Charge-offs | (203) | (831) | (108)
Recoveries | 71 | 375 | 86
Initial ACL on Loans Purchased with Credit Deterioration | 0 | 0 | 0
Ending Balance | 4,713 | 3,825 | 6,030
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 | 2,873 | 965 | 1,155
Credit Loss Expense (Benefit) | 300 | 1,907 | (195)
Charge-offs | (250) | 0 | 0
Recoveries | 47 | 1 | 5
Initial ACL on Loans Purchased with Credit Deterioration | 0 | 0 | 0
Ending Balance | 2,970 | 2,873 | 965
1-4 family residential properties |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Charge-offs | (104) | (72) |
1-4 family residential properties | Loans Held for Investment |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Balance | 1,404 | 927 | 838
Credit Loss Expense (Benefit) | 584 | 544 | 82
Charge-offs | (104) | (72) | (5)
Recoveries | 43 | 5 | 12
Initial ACL on Loans Purchased with Credit Deterioration | 0 | 0 | 0
Ending Balance | 1,927 | 1,404 | 927
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 | 386 | 442 | 483
Credit Loss Expense (Benefit) | (88) | (56) | (41)
Charge-offs | 0 | 0 | 0
Recoveries | 0 | 0 | 0
Initial ACL on Loans Purchased with Credit Deterioration | 0 | 0 | 0
Ending Balance | 298 | 386 | 442
Commercial |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Charge-offs | (25,146) | (6,218) |
Commercial | Loans Held for Investment |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Balance | 21,419 | 14,060 | 15,918
Credit Loss Expense (Benefit) | (2,015) | 13,443 | 7,712
Charge-offs | (25,146) | (6,218) | (9,804)
Recoveries | 9,909 | 134 | 234
Initial ACL on Loans Purchased with Credit Deterioration | 10,780 | 0 | 0
Ending Balance | 14,947 | 21,419 | 14,060
Factored receivables |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Charge-offs | (6,637) | (7,186) |
Factored receivables | Loans Held for Investment |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Balance | 9,600 | 11,896 | 19,121
Credit Loss Expense (Benefit) | 2,611 | 3,812 | 2,961
Charge-offs | (6,637) | (7,186) | (10,997)
Recoveries | 4,495 | 1,078 | 811
Initial ACL on Loans Purchased with Credit Deterioration | 0 | 0 | 0
Ending Balance | 10,069 | 9,600 | 11,896
Consumer |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Charge-offs | (585) | (483) |
Consumer | Loans Held for Investment |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Balance | 185 | 171 | 175
Credit Loss Expense (Benefit) | 682 | 408 | 44
Charge-offs | (585) | (483) | (563)
Recoveries | 147 | 89 | 515
Initial ACL on Loans Purchased with Credit Deterioration | 0 | 0 | 0
Ending Balance | 429 | 185 | 171
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 | 1,022 | 728 | 658
Credit Loss Expense (Benefit) | 136 | 294 | 70
Charge-offs | 0 | 0 | 0
Recoveries | 0 | 0 | 0
Initial ACL on Loans Purchased with Credit Deterioration | 0 | 0 | 0
Ending Balance | $ 1,158 | $ 1,022 | $ 728

X
- 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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