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LOANS AND ALLOWANCE FOR CREDIT LOSSES - ALLOWANCE ACTIVITY (Details) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended
--- | --- | ---
Mar. 31, 2024 | Mar. 31, 2023 | Dec. 31, 2023
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Balance | $ 82,130 | $ 70,413 | $ 70,413
Provision | 30,622 | 26,766 |
Charge-offs | (24) |  | (141)
Charge-offs | (4,927) | (3,430) | (41,214)
Recoveries | 877 | 772 |
Ending Balance | $ 108,702 | 96,121 | 82,130
Forecast period for unemployment and general CRE values | 1 year |  |
Adjustment |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Balance |  | 1,600 | 1,600
Core Banking Activities |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Balance | $ 59,845 | 51,718 | 51,718
Provision | 667 | 3,119 |
Charge-offs | (382) | (331) |
Recoveries | 202 | 254 |
Ending Balance | 60,332 | 56,360 | 59,845
Core Banking Activities | Adjustment |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Balance |  | 1,600 | 1,600
Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 1,061 | 110 | 110
Beginning Balance | 58,998 | 50,709 | 50,709
Provision | 22 | 648 |
Provision | 358 | 2,984 |
Charge-offs | (24) |  |
Charge-offs | (382) | (331) |
Recoveries | 13 |  |
Recoveries | 202 | 254 |
Ending balance | 1,072 | 1,350 | 1,061
Ending Balance | 59,176 | 55,216 | 58,998
Traditional Banking | Adjustment |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance |  | 592 | 592
Beginning Balance |  | 1,600 | 1,600
Republic Processing Group |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 22,285 | 18,695 | 18,695
Provision | 29,955 | 23,647 |
Charge-offs | (4,545) | (3,099) |
Recoveries | 675 | 518 |
Ending balance | 48,370 | 39,761 | 22,285
Residential real estate | Residential Real Estate - Owner Occupied |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Charge-offs | (13) |  | (26)
Residential real estate | Residential Real Estate - Owner Occupied | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 10,337 | 8,909 | 8,909
Provision | (800) | (120) |
Charge-offs | (13) | (6) |
Recoveries | 58 | 15 |
Ending balance | 9,582 | 8,798 | 10,337
Residential real estate | Residential Real Estate - Non Owner Occupied | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 3,047 | 2,831 | 2,831
Provision | 3 | 64 |
Recoveries | 1 |  |
Ending balance | 3,051 | 2,895 | 3,047
Residential real estate | Home equity |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Charge-offs |  |  | (2)
Residential real estate | Home equity | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 5,501 | 4,628 | 4,628
Provision | 247 | 31 |
Recoveries | 1 | 1 |
Ending balance | 5,749 | 4,660 | 5,501
Commercial real estate | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 25,830 | 23,739 | 23,739
Provision | 145 | 1,041 |
Recoveries | 20 | 47 |
Ending balance | 25,995 | 24,827 | 25,830
Construction & land development | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 6,060 | 4,123 | 4,123
Provision | 640 | 329 |
Ending balance | 6,700 | 4,452 | 6,060
Commercial | Commercial and Industrial | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 4,236 | 3,976 | 3,976
Provision | (79) | 602 |
Recoveries | 1 | 90 |
Ending balance | 4,158 | 5,676 | 4,236
Commercial | Commercial and Industrial | Traditional Banking | Adjustment |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance |  | 1,008 | 1,008
Aircraft | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 625 | 449 | 449
Provision | (10) | 12 |
Ending balance | 615 | 461 | 625
Consumer |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Charge-offs |  |  | (1,182)
Consumer | Credit cards | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 1,074 | 996 | 996
Provision | 83 | 112 |
Charge-offs | (81) | (40) |
Recoveries | 11 | 12 |
Ending balance | 1,087 | 1,080 | 1,074
Consumer | Overdrafts | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 694 | 726 | 726
Provision | 27 | 52 |
Charge-offs | (238) | (247) |
Recoveries | 80 | 64 |
Ending balance | 563 | 595 | 694
Consumer | Automobile loans | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 32 | 87 | 87
Provision | (10) | (16) |
Charge-offs |  | (7) |
Recoveries | 2 | 2 |
Ending balance | 24 | 66 | 32
Consumer | Other consumer | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 501 | 135 | 135
Provision | 90 | 229 |
Charge-offs | (26) | (31) |
Recoveries | 15 | 23 |
Ending balance | 580 | 356 | 501
Warehouse lines of credit | Warehouse Lending |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 847 | 1,009 | 1,009
Provision | 309 | 135 |
Ending balance | 1,156 | 1,144 | 847
Tax Refund Solution |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Charge-offs |  |  | (25,951)
Tax Refund Solution | Refund Advances | Republic Processing Group |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 3,929 | 3,797 | 3,797
Provision | 25,718 | 21,715 |
Recoveries | 275 | 285 |
Ending balance | 29,922 | 25,797 | 3,929
Tax Refund Solution | Other TRS commercial and industrial loans | Republic Processing Group |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 61 | 91 | 91
Provision | 56 | 93 |
Recoveries | 30 |  |
Ending balance | 147 | 184 | 61
Republic Credit Solution |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Charge-offs |  |  | (13,912)
Republic Credit Solution | Republic Processing Group |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 18,295 | 14,807 | 14,807
Provision | 4,181 | 1,839 |
Charge-offs | (4,545) | (3,099) |
Recoveries | 370 | 233 |
Ending balance | $ 18,301 | $ 13,780 | $ 18,295

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