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Loans - Allowance for Loan Losses by Portfolio Segment (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2023 | Dec. 31, 2022 | Dec. 31, 2021
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Beginning balance | $ 87,161 | $ 64,586 | $ 86,670
Allowance for loan credit losses - BTH merger |  | 5,527 |
Charge-offs | 12,049 | 8,759 | 12,234
Recoveries | 4,242 | 4,194 | 948
Provision | (17,514) | (21,613) | 10,798
Ending balance | 96,868 | 87,161 | 64,586
Average balance | $ 7,442,084 | $ 5,920,465 | $ 5,343,976
Net charge-offs to loan average balance (annualized) | 0.10% | 0.08% | 0.21%
PCD loans acquired |  | $ 10,800 |
Provision (benefit) for credit losses | $ 16,800 | 24,700 | $ (10,800)
Provision (benefit) for loan credit losses | 17,514 | 21,613 | (10,798)
Provision (release) for off-balance sheet commitments | 75 | 2,300 | (68)
Credit loss expense (benefit) for held to maturity securities | (836) | 732 | 101
Real estate | Commercial real estate |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Beginning balance | 19,772 | 13,425 | 15,430
Allowance for loan credit losses - BTH merger |  | 1 |
Charge-offs | 42 | 166 | 170
Recoveries | 140 | 40 | 65
Provision | 245 | (6,472) | 1,900
Ending balance | 19,625 | 19,772 | 13,425
Average balance | $ 2,404,530 | $ 1,951,246 | $ 1,501,890
Net charge-offs to loan average balance (annualized) | 0.00% | 0.01% | 0.01%
Provision (benefit) for loan credit losses | $ (245) | $ 6,472 | $ (1,900)
Real estate | Construction/land/land development |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Beginning balance | 7,776 | 4,011 | 8,191
Allowance for loan credit losses - BTH merger |  | 0 |
Charge-offs | 0 | 0 | 0
Recoveries | 3 | 211 | 0
Provision | (2,211) | (3,554) | 4,180
Ending balance | 9,990 | 7,776 | 4,011
Average balance | $ 1,015,178 | $ 708,758 | $ 528,618
Net charge-offs to loan average balance (annualized) | 0.00% | (0.03%) | 0.00%
Provision (benefit) for loan credit losses | $ 2,211 | $ 3,554 | $ (4,180)
Real estate | Residential real estate |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Beginning balance | 8,230 | 6,116 | 9,418
Allowance for loan credit losses - BTH merger |  | 0 |
Charge-offs | 27 | 91 | 78
Recoveries | 17 | 102 | 117
Provision | (2,399) | (2,103) | 3,341
Ending balance | 10,619 | 8,230 | 6,116
Average balance | $ 1,629,589 | $ 1,143,190 | $ 916,039
Net charge-offs to loan average balance (annualized) | 0.00% | 0.00% | 0.00%
Provision (benefit) for loan credit losses | $ 2,399 | $ 2,103 | $ (3,341)
Commercial and Industrial |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Beginning balance | 50,148 | 40,146 | 51,857
Allowance for loan credit losses - BTH merger |  | 5,525 |
Charge-offs | 11,833 | 8,459 | 11,923
Recoveries | 4,068 | 3,825 | 717
Provision | (12,947) | (9,111) | 505
Ending balance | 55,330 | 50,148 | 40,146
Average balance | $ 2,054,081 | $ 1,675,719 | $ 1,627,077
Net charge-offs to loan average balance (annualized) | 0.38% | 0.28% | 0.69%
Provision (benefit) for loan credit losses | $ 12,947 | $ 9,111 | $ (505)
Mortgage warehouse lines of credit |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Beginning balance | 379 | 340 | 856
Allowance for loan credit losses - BTH merger |  | 0 |
Charge-offs | 0 | 0 | 0
Recoveries | 0 | 0 | 0
Provision | (150) | (39) | 516
Ending balance | 529 | 379 | 340
Average balance | $ 314,079 | $ 420,639 | $ 753,588
Net charge-offs to loan average balance (annualized) | 0.00% | 0.00% | 0.00%
Provision (benefit) for loan credit losses | $ 150 | $ 39 | $ (516)
Consumer |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Beginning balance | 856 | 548 | 918
Allowance for loan credit losses - BTH merger |  | 1 |
Charge-offs | 147 | 43 | 63
Recoveries | 14 | 16 | 49
Provision | (52) | (334) | 356
Ending balance | 775 | 856 | 548
Average balance | $ 24,627 | $ 20,913 | $ 16,764
Net charge-offs to loan average balance (annualized) | 0.54% | 0.13% | 0.08%
Provision (benefit) for loan credit losses | $ 52 | $ 334 | $ (356)

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- Definition Percentage of writeoff after recovery to average financing receivables outstanding. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph (a) -Subparagraph (4) -Publisher SEC + Details
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