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v3.25.1

Loans - Allowance for Loan Losses by Portfolio Segment (Details) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended
--- | --- | ---
Mar. 31, 2025 | Mar. 31, 2024 | Dec. 31, 2024
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Beginning balance | $ 91,060 | $ 96,868 | $ 96,868
Charge-offs | 4,848 | 6,683 |
Recoveries | 2,120 | 4,101 |
Provision | 3,679 | 4,089 |
Ending balance | 92,011 | 98,375 | 91,060
Average balance | $ 7,496,039 | $ 7,759,005 |
Net charge-offs (recoveries) to loan average balance (annualized) | 0.15% | 0.13% |
Provision for credit losses | $ 3,400 | $ 3,000 |
Provision (release) for loan credit losses | 3,679 | 4,089 |
Benefit for off-balance sheet commitments | 233 | 1,000 |
Benefit for held to maturity securities | 1 | 39 |
Real estate | Commercial Real Estate |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Beginning balance | 16,546 | 19,625 | 19,625
Charge-offs | 257 | 455 | 480
Recoveries | 13 | 30 |
Provision | (117) | (1,656) |
Ending balance | 16,185 | 17,544 | 16,546
Average balance | $ 2,448,099 | $ 2,438,476 |
Net charge-offs (recoveries) to loan average balance (annualized) | 0.04% | 0.07% |
Provision (release) for loan credit losses | $ (117) | $ (1,656) |
Real estate | Construction/ Land/ Land Development |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Beginning balance | 7,398 | 9,990 | 9,990
Charge-offs | 0 | 0 | 0
Recoveries | 0 | 0 |
Provision | (562) | (11) |
Ending balance | 6,836 | 9,979 | 7,398
Average balance | $ 821,754 | $ 1,130,355 |
Net charge-offs (recoveries) to loan average balance (annualized) | 0.00% | 0.00% |
Provision (release) for loan credit losses | $ (562) | $ (11) |
Real estate | Residential Real Estate |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Beginning balance | 12,454 | 10,619 | 10,619
Charge-offs | 0 | 0 | 11
Recoveries | 46 | 4 |
Provision | 527 | 11 |
Ending balance | 13,027 | 10,634 | 12,454
Average balance | $ 1,909,922 | $ 1,739,105 |
Net charge-offs (recoveries) to loan average balance (annualized) | (0.01%) | 0.00% |
Provision (release) for loan credit losses | $ 527 | $ 11 |
Commercial and industrial |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Beginning balance | 53,449 | 55,330 | 55,330
Charge-offs | 4,561 | 6,181 | 22,787
Recoveries | 2,042 | 4,064 |
Provision | 3,832 | 5,610 |
Ending balance | 54,762 | 58,823 | 53,449
Average balance | $ 2,004,034 | $ 2,121,502 |
Net charge-offs (recoveries) to loan average balance (annualized) | 0.51% | 0.40% |
Provision (release) for loan credit losses | $ 3,832 | $ 5,610 |
Mortgage Warehouse Lines of Credit |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Beginning balance | 501 | 529 | 529
Charge-offs | 0 | 0 | 0
Recoveries | 0 | 0 |
Provision | (79) | 132 |
Ending balance | 422 | 661 | 501
Average balance | $ 289,521 | $ 306,248 |
Net charge-offs (recoveries) to loan average balance (annualized) | 0.00% | 0.00% |
Provision (release) for loan credit losses | $ (79) | $ 132 |
Consumer |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |
Beginning balance | 712 | 775 | 775
Charge-offs | 30 | 47 | 362
Recoveries | 19 | 3 |
Provision | 78 | 3 |
Ending balance | 779 | 734 | $ 712
Average balance | $ 22,709 | $ 23,319 |
Net charge-offs (recoveries) to loan average balance (annualized) | 0.20% | 0.76% |
Provision (release) for loan credit losses | $ 78 | $ 3 |

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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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- Definition Amount, excluding accrued interest, of credit loss expense (reversal of expense) on investment in debt security measured at amortized cost (held-to-maturity). + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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