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ALLOWANCE FOR CREDIT LOSSES AND RESERVE FOR OFF-BALANCE SHEET CREDIT EXPOSURES (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2025 | Jun. 30, 2024 | Jun. 30, 2025 | Jun. 30, 2024
Changes in the allowance |  |  |  |
Beginning balance | $ 60,469 | $ 63,532 | $ 59,182 | $ 63,934
Provision (credit) for credit losses on loans | 3,810 | 2,448 | 7,715 | 6,569
Gross charge-offs | (5,722) | (5,148) | (9,279) | (10,668)
Gross recoveries | 1,054 | 1,393 | 1,993 | 2,390
Net (charge-offs) recoveries | (4,668) | (3,755) | (7,286) | (8,278)
Ending balance | 59,611 | 62,225 | 59,611 | 62,225
Commercial and Industrial |  |  |  |
Changes in the allowance |  |  |  |
Beginning balance | 7,423 | 7,008 | 7,113 | 7,181
Provision (credit) for credit losses on loans | 2,480 | 452 | 3,199 | 871
Gross charge-offs | (2,858) | (519) | (3,438) | (1,201)
Gross recoveries | 195 | 130 | 366 | 220
Net (charge-offs) recoveries | (2,663) | (389) | (3,072) | (981)
Ending balance | 7,240 | 7,071 | 7,240 | 7,071
Consumer |  |  |  |
Changes in the allowance |  |  |  |
Beginning balance | 13,497 | 16,142 | 13,269 | 17,079
Provision (credit) for credit losses on loans | 2,343 | 1,750 | 4,793 | 4,758
Gross charge-offs | (2,864) | (4,345) | (5,841) | (9,183)
Gross recoveries | 840 | 1,254 | 1,595 | 2,147
Net (charge-offs) recoveries | (2,024) | (3,091) | (4,246) | (7,036)
Ending balance | 13,816 | 14,801 | 13,816 | 14,801
Construction | Real Estate |  |  |  |
Changes in the allowance |  |  |  |
Beginning balance | 2,282 | 3,619 | 2,316 | 4,004
Provision (credit) for credit losses on loans | 1,078 | 179 | 1,044 | (206)
Gross charge-offs | 0 | 0 | 0 | 0
Gross recoveries | 3 | 0 | 3 | 0
Net (charge-offs) recoveries | 3 | 0 | 3 | 0
Ending balance | 3,363 | 3,798 | 3,363 | 3,798
Residential Mortgage | Real Estate |  |  |  |
Changes in the allowance |  |  |  |
Beginning balance | 15,936 | 16,026 | 15,267 | 14,626
Provision (credit) for credit losses on loans | (2,065) | (362) | (1,406) | 1,030
Gross charge-offs | 0 | (284) | 0 | (284)
Gross recoveries | 7 | 9 | 17 | 17
Net (charge-offs) recoveries | 7 | (275) | 17 | (267)
Ending balance | 13,878 | 15,389 | 13,878 | 15,389
Home Equity | Real Estate |  |  |  |
Changes in the allowance |  |  |  |
Beginning balance | 1,808 | 3,733 | 2,335 | 3,501
Provision (credit) for credit losses on loans | (768) | 96 | (1,298) | 322
Gross charge-offs | 0 | 0 | 0 | 0
Gross recoveries | 9 | 0 | 12 | 6
Net (charge-offs) recoveries | 9 | 0 | 12 | 6
Ending balance | 1,049 | 3,829 | 1,049 | 3,829
Commercial Mortgage | Real Estate |  |  |  |
Changes in the allowance |  |  |  |
Beginning balance | 19,523 | 17,004 | 18,882 | 17,543
Provision (credit) for credit losses on loans | 742 | 333 | 1,383 | (206)
Gross charge-offs | 0 | 0 | 0 | 0
Gross recoveries | 0 | 0 | 0 | 0
Net (charge-offs) recoveries | 0 | 0 | 0 | 0
Ending balance | $ 20,265 | $ 17,337 | $ 20,265 | $ 17,337

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- Definition A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period. + References No definition available. + Details
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- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 + Details
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- Definition Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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