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LOANS AND ALLOWANCE FOR CREDIT LOSSES - ALLOWANCE ACTIVITY (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Balance | $ 82,130 | $ 70,413 | $ 64,577
Provision | 54,386 | 47,624 | 22,385
Charge-offs | (205) | (141) |
Charge-offs | (55,394) | (41,214) | (24,369)
Recoveries | 10,856 | 5,091 | (7,820)
Ending Balance | 91,978 | 82,130 | 70,413
Adjustment |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Balance |  | 216 |
Ending Balance |  |  | 216
Core Banking Activities |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Balance | 59,845 | 51,718 | 51,533
Provision | 3,778 | 8,536 | 349
Charge-offs | (3,463) | (1,351) | (1,320)
Recoveries | 970 | 726 | (1,156)
Ending Balance | 61,130 | 59,845 | 51,718
Core Banking Activities | Adjustment |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning Balance |  | 216 |
Ending Balance |  |  | 216
Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 1,061 | 110 | 91
Beginning Balance | 58,998 | 50,709 | 49,407
Provision | 179 | 866 | 19
Provision | 3,251 | 8,698 | 1,466
Charge-offs | (205) | (141) |
Charge-offs | (3,463) | (1,351) | (1,320)
Recoveries | 82 | 10 |
Recoveries | 970 | 726 | (1,156)
Ending balance | 1,117 | 1,061 | 110
Ending Balance | 59,756 | 58,998 | 50,709
Traditional Banking | Adjustment |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance |  | 216 |
Beginning Balance |  | 216 |
Ending balance |  |  | 216
Ending Balance |  |  | 216
Republic Processing Group |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 22,285 | 18,695 | 13,044
Provision | 50,608 | 39,088 | 22,036
Charge-offs | (51,931) | (39,863) | (23,049)
Recoveries | 9,886 | 4,365 | (6,664)
Ending balance | 30,848 | 22,285 | 18,695
Warehouse line of credit | Warehouse Lending |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance |  |  | 2,126
Beginning Balance |  | 1,009 |
Provision |  |  | (1,117)
Ending Balance |  |  | 1,009
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 | (62) | (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 | 8,647
Provision | 450 | 1,303 | 181
Charge-offs | (62) | (26) | (21)
Recoveries | 124 | 151 | (102)
Ending balance | 10,849 | 10,337 | 8,909
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 | 2,700
Provision | 1,089 | 213 | 129
Recoveries | 4 | 3 | (2)
Ending balance | 4,140 | 3,047 | 2,831
Residential real estate | Home equity |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Charge-offs | (64) | (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 | 4,111
Provision | 1,901 | 872 | 396
Charge-offs | (64) | (2) |
Recoveries | 40 | 3 | (121)
Ending balance | 7,378 | 5,501 | 4,628
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 | 23,769
Provision | (3,611) | 1,997 | (308)
Charge-offs |  |  | (9)
Recoveries | 337 | 94 | (287)
Ending balance | 22,556 | 25,830 | 23,739
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 | 4,128
Provision | 2,167 | 1,937 | (5)
Ending balance | 8,227 | 6,060 | 4,123
Commercial & industrial | Commercial and Industrial |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Charge-offs | (27) |  |
Commercial & industrial | 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 | 3,487
Provision | (1,686) | 137 | 218
Charge-offs | (27) |  |
Recoveries | 4 | 123 | (271)
Ending balance | 2,527 | 4,236 | 3,976
Aircraft | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 625 | 449 | 357
Provision | (60) | 176 | 92
Ending balance | 565 | 625 | 449
Consumer |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Charge-offs | (3,105) | (1,182) |
Consumer | Credit Card | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 1,074 | 996 | 934
Provision | 489 | 176 | 140
Charge-offs | (256) | (162) | (155)
Recoveries | 72 | 64 | (77)
Ending balance | 1,379 | 1,074 | 996
Consumer | Overdrafts | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 694 | 726 | 683
Provision | 647 | 667 | 866
Charge-offs | (847) | (896) | (1,038)
Recoveries | 230 | 197 | (215)
Ending balance | 724 | 694 | 726
Consumer | Automobile loans | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 32 | 87 | 186
Provision | (46) | (32) | (111)
Charge-offs |  | (37) | (3)
Recoveries | 25 | 14 | (15)
Ending balance | 11 | 32 | 87
Consumer | Other consumer | Traditional Banking |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 501 | 135 | 314
Provision | 1,732 | 386 | (151)
Charge-offs | (2,002) | (87) | (94)
Recoveries | 52 | 67 | (66)
Ending balance | 283 | 501 | 135
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 |
Provision | 527 | (162) |
Ending balance | 1,374 | 847 | 1,009
Tax Refund Solution |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Charge-offs | (32,692) | (25,951) |
Tax Refund Solution | Refund Advances | Tax Refund Solutions |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Beginning balance | 3,929 | 3,797 |
Provision | 29,886 | 22,492 | 10,471
Charge-offs | (32,555) | (25,823) | (11,505)
Recoveries | 8,533 | 3,463 | (4,831)
Ending balance | 9,793 | 3,929 | 3,797
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 | 96
Provision | 97 | 67 | (516)
Charge-offs | (137) | (128) | (154)
Recoveries | 47 | 31 | (665)
Ending balance | 68 | 61 | 91
Republic Credit Solution |  |  |
Financing Receivable And Net Investment In Lease, Excluding Interest Allowance for Credit Loss [Roll Forward] |  |  |
Charge-offs | (19,239) | (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 | 12,948
Provision | 20,625 | 16,529 | 12,081
Charge-offs | (19,239) | (13,912) | (11,390)
Recoveries | 1,306 | 871 | (1,168)
Ending balance | $ 20,987 | $ 18,295 | $ 14,807

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