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

9 Months Ended

Sep. 30, 2025

OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES

Schedule of Commitments exclusive of Mortgage Bank Loan Commitments


(in thousands)		September 30, 2025			December 31, 2024

Unused warehouse lines of credit		$	450,749		$	404,240
Unused home equity lines of credit			485,364			478,040
Unused loan commitments - other			1,202,096			1,093,990
Standby letters of credit			12,173			11,282
Total commitments		$	2,150,382		$	1,987,552

Schedule of roll-forward of the ACLC


			ACLC Roll-forward
			Three Months Ended September 30,
			2025															2024
			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			$	92		$	(9)		$	—		$	—		$	83		$	77		$	2		$	—		$	—		$	79
Unused home equity lines of credit				195			(4)			—			—			191			110			24			—			—			134
Unused construction lines of credit				703			14			—			—			717			591			(64)			—			—			527
Unused RCS lines of credit				220			5			—			—			225			—			—			—			—			—
Unused loan commitments - other				290			(26)			—			—			264			332			(72)			—			—			260

Total			$	1,500		$	(20)		$	—		$	—		$	1,480		$	1,110		$	(110)		$	—		$	—		$	1,000


			ACLC Roll-forward
			Nine Months Ended September 30,
			2025															2024
			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			$	79		$	4		$	—		$	—		$	83		$	116		$	(37)		$	—		$	—		$	79
Unused home equity lines of credit				183			8			—			—			191			55			79			—			—			134
Unused construction lines of credit				677			40			—			—			717			820			(293)			—			—			527
Unused RCS lines of credit				300			(75)			—			—			225			—			—			—			—			—
Unused loan commitments - other				251			13			—			—			264			349			(89)			—			—			260

Total			$	1,490		$	(10)		$	—		$	—		$	1,480		$	1,340		$	(340)		$	—		$	—		$	1,000