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v3.25.1

Allowance for Credit and Loan Losses (Tables) | 3 Months Ended
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Mar. 31, 2025
Receivables [Abstract] |
Schedule of Allowance for Loan Losses | The following tables represent, by loan portfolio segment, a summary of changes in the ACL on loans for the three months ended March 31, 2025 and 2024:
|  | Three Months Ended March 31, 2025
|  | Commercial |  | Real Estate |  | Mortgage Warehouse |  | Consumer |  | Total
Balance, beginning of period |  | $ | 30,953 |  |  | $ | 2,715 |  |  | $ | — |  |  | $ | 18,312 |  |  | $ | 51,980 |
Credit loss expense (recovery) |  | 1,640 |  |  | 405 |  |  | — |  |  | (502) |  |  | 1,543 |
Charge-offs |  | (7) |  |  | (2) |  |  | — |  |  | (1,453) |  |  | (1,462) |
Recoveries |  | 54 |  |  | 49 |  |  | — |  |  | 490 |  |  | 593 |
Balance, end of period |  | $ | 32,640 |  |  | $ | 3,167 |  |  | $ | — |  |  | $ | 16,847 |  |  | $ | 52,654 |
|  | Three Months Ended March 31, 2024
|  | Commercial |  | Real Estate |  | Mortgage Warehouse |  | Consumer |  | Total
Balance, beginning of period |  | $ | 29,736 |  |  | $ | 2,503 |  |  | $ | 481 |  |  | $ | 17,309 |  |  | $ | 50,029 |
Credit loss expense (recovery) |  | 606 |  |  | 147 |  |  | 178 |  |  | (262) |  |  | 669 |
Charge-offs |  | 114 |  |  | (1) |  |  | — |  |  | (823) |  |  | (710) |
Recoveries |  | 58 |  |  | 6 |  |  | — |  |  | 335 |  |  | 399 |
Balance, end of period |  | $ | 30,514 |  |  | $ | 2,655 |  |  | $ | 659 |  |  | $ | 16,559 |  |  | $ | 50,387 |
Financial Instruments with Off-Balance Sheet Risk | The following tables represent, by loan portfolio segment, a summary of changes in the activity in the liability for commitments to extend credit and standby letters of credit (please see note 14):
| Three Month Ended
| March 31, 2025 | 45382 | March 31, 2024
|  | Balance, beginning of period |  | Credit loss expense (reversal) |  | Ending balance |  | Balance, beginning of period |  | Credit loss expense (reversal) |  | Ending balance
Commercial |  | $ | 1,385 |  |  | $ | (253) |  |  | $ | 1,132 |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Real Estate |  | 61 |  |  | 11 |  |  | 72 |  |  | 64 |  |  | (18) |  |  | 46 |
Mortgage Warehouse |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer |  | 703 |  |  | 93 |  |  | 796 |  |  | 551 |  |  | 153 |  |  | 704 |
Total |  | $ | 2,149 |  |  | $ | (149) |  |  | $ | 2,000 |  |  | $ | 615 |  |  | $ | 135 |  |  | $ | 750 |
The following table represents the commitments to extend credit and standby letters of credit as of March 31, 2025 and December 31, 2024, respectively:
|  | March 31, 2025 |  | December 31, 2024
Commitments to extend credit |  | $ | 1,046,675 |  |  | $ | 1,018,302 |
Standby letters of credit |  | 26,096 |  |  | 23,457 |
Total |  | $ | 1,072,771 |  |  | $ | 1,041,759 |

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- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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- Definition Tabular disclosure of the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined) which are not recognized in the financial statements (off-balance sheet) because they fail to meet some other criterion for recognition. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 825 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 10 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482907/825-10-50-10 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 825 -SubTopic 10 -Section 50 -Paragraph 11 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482907/825-10-50-11 + Details
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