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LOANS AND ALLOWANCE FOR CREDIT LOSSES - COMPOSITION OF LOANS (Details) - USD ($) $ in Thousands | 9 Months Ended | 12 Months Ended |  |  |  |
--- | --- | --- | --- | --- | --- | ---
Sep. 30, 2024 | Dec. 31, 2023 | Jun. 30, 2024 | Sep. 30, 2023 | Jun. 30, 2023 | Dec. 31, 2022
Loans disclosures |  |  |  |  |  |
Lease financing receivables | $ 89,653 | $ 88,591 |  |  |  |
Total loans | 5,296,917 | 5,239,861 |  |  |  |
Allowance for credit losses | (82,158) | (82,130) | $ (80,687) | $ (74,576) | $ (72,202) | $ (70,413)
Loans, net | 5,214,759 | 5,157,731 |  |  |  |
Core Banking Activities |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 5,162,059 | 4,958,292 |  |  |  |
Allowance for credit losses | (61,035) | (59,845) | (61,235) | (58,074) | (56,913) | (51,718)
Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Lease financing receivables | 89,653 | 88,591 |  |  |  |
Total loans | 4,566,896 | 4,618,569 |  |  |  |
Allowance for credit losses | (59,549) | (58,998) | $ (59,865) | $ (56,931) | $ (55,567) | $ (50,709)
Republic Processing Group |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 134,858 | 281,569 |  |  |  |
Residential real estate | Residential Real Estate - Owner Occupied |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 1,046,385 | 1,144,684 |  |  |  |
Residential real estate | Residential Real Estate - Owner Occupied | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 1,046,385 | 1,144,684 |  |  |  |
Residential real estate | Residential Real Estate - Non Owner Occupied |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 326,273 | 345,965 |  |  |  |
Residential real estate | Residential Real Estate - Non Owner Occupied | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 326,273 | 345,965 |  |  |  |
Residential real estate | Home Equity |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 341,204 | 295,133 |  |  |  |
Residential real estate | Home Equity | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 341,204 | 295,133 |  |  |  |
Commercial real estate |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | $ 1,813,303 | $ 1,785,289 |  |  |  |
Percentage of Nonowner-occupied CRE loans | 64.00% | 63.00% |  |  |  |
Percentage of Owner-occupied CRE loans | 36.00% | 37.00% |  |  |  |
Commercial real estate | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | $ 1,813,303 | $ 1,785,289 |  |  |  |
Construction & land development |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 247,730 | 217,338 |  |  |  |
Construction & land development | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 247,730 | 217,338 |  |  |  |
Commercial & industrial | Commercial and Industrial |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 437,911 | 464,078 |  |  |  |
Commercial & industrial | Commercial and Industrial | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 437,911 | 464,078 |  |  |  |
Aircraft |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 235,327 | 250,051 |  |  |  |
Aircraft | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 235,327 | 250,051 |  |  |  |
Consumer |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 29,110 | 27,440 |  |  |  |
Consumer | Credit Card | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 16,762 | 16,654 |  |  |  |
Consumer | Overdrafts | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 827 | 694 |  |  |  |
Consumer | Automobile loans | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 1,340 | 2,664 |  |  |  |
Consumer | Other Consumer | Traditional Banking |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 10,181 | 7,428 |  |  |  |
Warehouse lines of credit |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 595,163 | 339,723 |  |  |  |
Warehouse lines of credit | Warehouse Lending |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 595,163 | 339,723 |  |  |  |
Tax Refund Solution |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 302 | 149,207 |  |  |  |
Tax Refund Solution | Refund Advances | Tax Refund Solutions |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans |  | 103,115 |  |  |  |
Tax Refund Solution | Other TRS commercial and industrial loans | Tax Refund Solutions |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 302 | 46,092 |  |  |  |
Republic Credit Solution |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | 134,556 | 132,362 |  |  |  |
Republic Credit Solution | Republic Credit Solutions |  |  |  |  |  |
Loans disclosures |  |  |  |  |  |
Total loans | $ 134,556 | $ 132,362 |  |  |  |

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