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OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES (Tables)

12 Months Ended

Dec. 31, 2024

OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES

Schedule of Commitments exclusive of Mortgage Bank Loan Commitments


December 31, (in thousands)			2024			2023

Unused warehouse lines of credit			$	404,240		$	623,277
Unused home equity lines of credit				478,040			446,006
Unused loan commitments - other				1,093,990			1,159,284
Standby letters of credit				11,282			11,012
Total commitments			$	1,987,552		$	2,239,579

Schedule of roll-forward of the ACLC


			ACLC Roll-forward
			Years Ended December 31,
			2024															2023
			Beginning						Charge-						Ending			Beginning						Charge-						Ending
(in thousands)			Balance			Provision			offs			Recoveries			Balance			Balance			Provision			offs			Recoveries			Balance

Loan Commitments
Unused warehouse lines of credit			$	116		$	(37)		$	—		$	—		$	79		$	190		$	(74)		$	—		$	—		$	116
Unused home equity lines of credit				55			128			—			—			183			332			(277)			—			—			55
Unused construction lines of credit				820			(143)			—			—			677			384			436			—			—			820
Unused RCS lines of credit				—			300			—			—			300			—			—			—			—			—
Unused loan commitments - other				349			(98)			—			—			251			344			5			—			—			349

Total			$	1,340		$	150		$	—		$	—		$	1,490		$	1,250		$	90		$	—		$	—		$	1,340