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COMMITMENTS AND CONTINGENT LIABILITIES (Tables)

3 Months Ended

Mar. 31, 2026

COMMITMENTS AND CONTINGENT LIABILITIES

Schedule of Commitments exclusive of Mortgage Bank Loan Commitments


(in thousands)		March 31, 2026			December 31, 2025

Unused warehouse lines of credit		$	584,152		$	436,909
Unused home equity lines of credit			512,690			487,822
Unused loan commitments - other			1,137,186			1,203,211
Standby letters of credit			10,107			10,385
Total commitments		$	2,244,135		$	2,138,327

Schedule of roll-forward of the ACLC


			ACLC Roll-forward
			Three Months Ended March 31,
			2026															2025
			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			$	73		$	(11)		$	—		$	—		$	62		$	79		$	26		$	—		$	—		$	105
Unused home equity lines of credit				189			34			—			—			223			183			16			—			—			199
Unused construction lines of credit				585			94			—			—			679			677			60			—			—			737
Unused RCS lines of credit				230			20			—			—			250			300			(110)			—			—			190
Unused loan commitments - other				373			(57)			—			—			316			251			28			—			—			279

Total			$	1,450		$	80		$	—		$	—		$	1,530		$	1,490		$	20		$	—		$	—		$	1,510