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v3.25.3

Loans and Allowance for Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2025
Receivables [Abstract] |
Schedule of Loans, Net of Unamortized Net Deferred Fees | The table below presents HFI Loans, net of unamortized net deferred fees, summarized by portfolio segment.
|  | As of
|  | September 30, 2025 |  | December 31, 2024
(dollars in thousands) |  | Amount |  | % |  | Amount |  | %
Commercial |  | $ | 1,217,805 |  |  | 17 | % |  | $ | 1,183,341 |  |  | 15 | %
PPP loans |  | 103 |  |  | — | % |  | 287 |  |  | — | %
Income producing - commercial real estate |  | 3,453,033 |  |  | 47 | % |  | 4,064,846 |  |  | 51 | %
Owner occupied - commercial real estate |  | 1,494,711 |  |  | 20 | % |  | 1,269,669 |  |  | 16 | %
Real estate mortgage - residential |  | 44,684 |  |  | 1 | % |  | 50,535 |  |  | 1 | %
Construction - commercial and residential |  | 1,010,367 |  |  | 14 | % |  | 1,210,763 |  |  | 15 | %
Construction - C&I (owner occupied) |  | 33,378 |  |  | — | % |  | 103,259 |  |  | 1 | %
Home equity |  | 49,333 |  |  | 1 | % |  | 51,130 |  |  | 1 | %
Other consumer |  | 1,265 |  |  | — | % |  | 1,058 |  |  | — | %
Total loans |  | 7,304,679 |  |  | 100 | % |  | 7,934,888 |  |  | 100 | %
Less: allowance for credit losses |  | (156,228) |  |  |  |  | (114,390) |  |  |
Net loans (1) |  | $ | 7,148,451 |  |  |  |  | $ | 7,820,498 |  |  |
(1)Excludes accrued interest receivable of $36.9 million and $42.9 million as of September 30, 2025 and December 31, 2024, respectively, which were recorded in other assets on the Consolidated Balance Sheets.
Schedule of Detail Activity in the Allowance for Credit Losses by Portfolio Segment | The table below details activity in the ACL by portfolio segment. PPP loans are excluded from these tables since they do not carry an allowance for credit loss, as these loans are fully guaranteed as to principal and interest by the SBA, whose guarantee is backed by the full faith and credit of the U.S. Government. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
(dollars in thousands) | Commercial |  | Income Producing - Commercial Real Estate |  | Owner Occupied - Commercial Real Estate |  | Real Estate Mortgage - Residential |  | Construction -Commercial and Residential |  | Construction - C&I (Owner Occupied) |  | Home Equity |  | Other Consumer |  | Total
For the Three Months Ended September 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of quarter | $ | 16,171 |  |  | $ | 135,211 |  |  | $ | 14,634 |  |  | $ | 382 |  |  | $ | 13,756 |  |  | $ | 3,101 |  |  | $ | 510 |  |  | $ | 32 |  |  | $ | 183,797 |
Loans charged-off | (529) |  |  | (123,388) |  |  | (10,000) |  |  | — |  |  | (7,134) |  |  | — |  |  | — |  |  | — |  |  | (141,051) |
Recoveries of loans previously charged-off | 221 |  |  | — |  |  | 16 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 237 |
Net loans (charged-off) and recovered | (308) |  |  | (123,388) |  |  | (9,984) |  |  | — |  |  | (7,134) |  |  | — |  |  | — |  |  | — |  |  | (140,814) |
Provision for (reversal of) credit losses | 8,379 |  |  | 83,572 |  |  | 15,499 |  |  | (25) |  |  | 7,361 |  |  | (1,540) |  |  | 5 |  |  | (6) |  |  | 113,245 |
Ending balance | $ | 24,242 |  |  | $ | 95,395 |  |  | $ | 20,149 |  |  | $ | 357 |  |  | $ | 13,983 |  |  | $ | 1,561 |  |  | $ | 515 |  |  | $ | 26 |  |  | $ | 156,228 |
For the Three Months Ended September 30, 2024 |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of quarter | $ | 21,011 |  |  | $ | 53,251 |  |  | $ | 15,641 |  |  | $ | 750 |  |  | $ | 13,510 |  |  | $ | 1,431 |  |  | $ | 677 |  |  | $ | 30 |  |  | $ | 106,301 |
Loans charged-off | (1,563) |  |  | — |  |  | (3,800) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (17) |  |  | (5,380) |
Recoveries of loans previously charged-off | 53 |  |  | — |  |  | 24 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 77 |
Net loans (charged-off) and recovered | (1,510) |  |  | — |  |  | (3,776) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (17) |  |  | (5,303) |
Provision for (reversal of) credit losses | 802 |  |  | 61 |  |  | 8,206 |  |  | (12) |  |  | 1,907 |  |  | (134) |  |  | 23 |  |  | 16 |  |  | 10,869 |
Ending balance | $ | 20,303 |  |  | $ | 53,312 |  |  | $ | 20,071 |  |  | $ | 738 |  |  | $ | 15,417 |  |  | $ | 1,297 |  |  | $ | 700 |  |  | $ | 29 |  |  | $ | 111,867 |
For the Nine Months Ended September 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 16,293 |  |  | $ | 65,375 |  |  | $ | 19,295 |  |  | $ | 472 |  |  | $ | 11,333 |  |  | $ | 1,079 |  |  | $ | 515 |  |  | $ | 28 |  |  | $ | 114,390 |
Loans charged-off | (1,497) |  |  | (197,582) |  |  | (19,797) |  |  | — |  |  | (17,837) |  |  | — |  |  | — |  |  | (35) |  |  | (236,748) |
Recoveries of loans previously charged-off | 436 |  |  | 329 |  |  | 63 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 828 |
Net loans (charged-off) and recovered | (1,061) |  |  | (197,253) |  |  | (19,734) |  |  | — |  |  | (17,837) |  |  | — |  |  | — |  |  | (35) |  |  | (235,920) |
Provision for (reversal of) credit losses | 9,010 |  |  | 227,273 |  |  | 20,588 |  |  | (115) |  |  | 20,487 |  |  | 482 |  |  | — |  |  | 33 |  |  | 277,758 |
Ending balance | $ | 24,242 |  |  | $ | 95,395 |  |  | $ | 20,149 |  |  | $ | 357 |  |  | $ | 13,983 |  |  | $ | 1,561 |  |  | $ | 515 |  |  | $ | 26 |  |  | $ | 156,228 |
For the Nine Months Ended September 30, 2024 |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 17,824 |  |  | $ | 40,050 |  |  | $ | 14,333 |  |  | $ | 861 |  |  | $ | 10,198 |  |  | $ | 1,992 |  |  | $ | 657 |  |  | $ | 25 |  |  | $ | 85,940 |
Loans charged-off | (4,150) |  |  | (21,329) |  |  | (3,800) |  |  | — |  |  | (129) |  |  | — |  |  | — |  |  | (88) |  |  | (29,496) |
Recoveries of loans previously charged-off | 220 |  |  | 185 |  |  | 71 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 476 |
Net loans (charged-off) and recovered | (3,930) |  |  | (21,144) |  |  | (3,729) |  |  | — |  |  | (129) |  |  | — |  |  | — |  |  | (88) |  |  | (29,020) |
Provision for (reversal of) credit losses | 6,409 |  |  | 34,406 |  |  | 9,467 |  |  | (123) |  |  | 5,348 |  |  | (695) |  |  | 43 |  |  | 92 |  |  | 54,947 |
Ending balance | $ | 20,303 |  |  | $ | 53,312 |  |  | $ | 20,071 |  |  | $ | 738 |  |  | $ | 15,417 |  |  | $ | 1,297 |  |  | $ | 700 |  |  | $ | 29 |  |  | $ | 111,867 |
Schedule of Amortized Cost Basis of Collateral-Dependent Loans by Class of Loans | The table below presents the amortized cost basis of collateral-dependent HFI loans by portfolio segment.
|  | As of
|  | September 30, 2025 |  | December 31, 2024
(dollars in thousands) |  | Business/Other Assets |  | Real Estate |  | Business/Other Assets |  | Real Estate
Commercial |  | $ | 15,137 |  |  | $ | 2,823 |  |  | $ | 1,214 |  |  | $ | 1,125 |
Income-producing-commercial real estate |  | 880 |  |  | 56,466 |  |  | 880 |  |  | 167,574 |
Owner occupied - commercial real estate |  | — |  |  | 14,647 |  |  | — |  |  | 37,746 |
Real estate mortgage- residential |  | — |  |  | 6,141 |  |  | — |  |  | — |
Construction - commercial and residential |  | — |  |  | 22,475 |  |  | — |  |  | — |
Home equity |  | — |  |  | 499 |  |  | — |  |  | 303 |
Total |  | $ | 16,017 |  |  | $ | 103,051 |  |  | $ | 2,094 |  |  | $ | 206,748 |
Schedule of the Risk Category of Loans by Class of Loans | The table below presents the amortized cost basis of HFI loans by risk category, class and year of origination, along with any charge-offs that were recorded in the applicable loan segment, if applicable. The table below excludes $170.3 million of gross charge-offs associated with loans that were reclassified to HFS or sold during the nine months ended September 30, 2025, of which $124.1 million was related to HFS loans on our balance sheet as of September 30, 2025.
|  | As of September 30, 2025
(dollars in thousands) |  | Prior |  | 2021 |  | 2022 |  | 2023 |  | 2024 |  | 2025 |  | Revolving Loans Amort. Cost Basis |  | Revolving Loans Convert. to Term |  | Total
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 98,504 |  |  | $ | 20,177 |  |  | $ | 40,374 |  |  | $ | 70,251 |  |  | $ | 94,408 |  |  | $ | 266,338 |  |  | $ | 515,191 |  |  | $ | 2,881 |  |  | $ | 1,108,124 |
Special Mention |  | 9,125 |  |  | 344 |  |  | 10,085 |  |  | 996 |  |  | 5,080 |  |  | — |  |  | 27,568 |  |  | — |  |  | 53,198 |
Substandard |  | 23,126 |  |  | 480 |  |  | 18,516 |  |  | 333 |  |  | 57 |  |  | — |  |  | 11,249 |  |  | 2,722 |  |  | 56,483 |
Total |  | 130,755 |  |  | 21,001 |  |  | 68,975 |  |  | 71,580 |  |  | 99,545 |  |  | 266,338 |  |  | 554,008 |  |  | 5,603 |  |  | 1,217,805 |
YTD gross charge-offs |  | (881) |  |  | (316) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (279) |  |  | — |  |  | (1,476) |
PPP loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | — |  |  | 103 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 103 |
Income producing - commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 1,148,730 |  |  | 426,263 |  |  | 525,101 |  |  | 313,757 |  |  | 80,355 |  |  | 131,581 |  |  | 151,029 |  |  | 13,418 |  |  | 2,790,234 |
Special Mention |  | 95,808 |  |  | 120,777 |  |  | 76,721 |  |  | — |  |  | 7,095 |  |  | — |  |  | — |  |  | — |  |  | 300,401 |
Substandard |  | 231,711 |  |  | 57,039 |  |  | 73,398 |  |  | — |  |  | — |  |  | — |  |  | 250 |  |  | — |  |  | 362,398 |
Total |  | 1,476,249 |  |  | 604,079 |  |  | 675,220 |  |  | 313,757 |  |  | 87,450 |  |  | 131,581 |  |  | 151,279 |  |  | 13,418 |  |  | 3,453,033 |
YTD gross charge-offs |  | (44,473) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (44,473) |
Owner occupied - commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 670,749 |  |  | 211,343 |  |  | 36,098 |  |  | 146,464 |  |  | 126,386 |  |  | 120,571 |  |  | 98,369 |  |  | — |  |  | 1,409,980 |
Special Mention |  | 9,451 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 9,451 |
Substandard |  | 70,584 |  |  | 3,160 |  |  | 1,077 |  |  | 459 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 75,280 |
Total |  | 750,784 |  |  | 214,503 |  |  | 37,175 |  |  | 146,923 |  |  | 126,386 |  |  | 120,571 |  |  | 98,369 |  |  | — |  |  | 1,494,711 |
YTD gross charge-offs |  | (19,797) |  |  | — |  |  | — |  |  | — |  |  |  |  | — |  |  | — |  |  | — |  |  | (19,797) |
Real estate mortgage - residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 14,244 |  |  | 6,435 |  |  | 12,019 |  |  | 5,845 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 38,543 |
Substandard |  | 6,141 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 6,141 |
Total |  | 20,385 |  |  | 6,435 |  |  | 12,019 |  |  | 5,845 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 44,684 |
Construction - commercial and residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 39,742 |  |  | 112,801 |  |  | 418,039 |  |  | 215,777 |  |  | 9,239 |  |  | 3,754 |  |  | 107,010 |  |  | 9,409 |  |  | 915,771 |
Special Mention |  | — |  |  | 35,654 |  |  | 24,981 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 60,635 |
Substandard |  | 10,498 |  |  | 7,912 |  |  | 15,551 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 33,961 |
Total |  | 50,240 |  |  | 156,367 |  |  | 458,571 |  |  | 215,777 |  |  | 9,239 |  |  | 3,754 |  |  | 107,010 |  |  | 9,409 |  |  | 1,010,367 |
YTD gross charge-offs |  | (702) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (702) |
Construction - C&I (owner occupied): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 3,775 |  |  | — |  |  | — |  |  | 9,792 |  |  | — |  |  | (382) |  |  | 800 |  |  | 19,393 |  |  | 33,378 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 1,679 |  |  | 35 |  |  | 114 |  |  | — |  |  | — |  |  | — |  |  | 46,371 |  |  | 608 |  |  | 48,807 |
Substandard |  | 53 |  |  | 207 |  |  | 220 |  |  | — |  |  | — |  |  | — |  |  | 46 |  |  | — |  |  | 526 |
Total |  | 1,732 |  |  | 242 |  |  | 334 |  |  | — |  |  | — |  |  | — |  |  | 46,417 |  |  | 608 |  |  | 49,333 |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | — |  |  | — |  |  | — |  |  | — |  |  | 6 |  |  | 177 |  |  | 1,082 |  |  | — |  |  | 1,265 |
YTD gross charge-offs |  | (3) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (32) |  |  | (35) |
Total Recorded Investment |  | $ | 2,433,920 |  |  | $ | 1,002,730 |  |  | $ | 1,252,294 |  |  | $ | 763,674 |  |  | $ | 322,626 |  |  | $ | 522,039 |  |  | $ | 958,965 |  |  | $ | 48,431 |  |  | $ | 7,304,679 |
Total YTD gross charge-offs |  | $ | (65,856) |  |  | $ | (316) |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | (279) |  |  | $ | (32) |  |  | $ | (66,483) |
The Company individually evaluates nonaccrual loans when performing its CECL estimate to calculate the ACL. Additionally, the Company utilizes historical internal and third-party service provider sourced loss data in the determination of its PD/LGD rates applied in the calculation of its CECL estimate. Upon determination that a modified loan (or a portion of a loan) has subsequently been deemed uncollectible, the loan (or a portion of the loan) is charged off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the ACL is adjusted by the same amount.
|  | As of December 31, 2024
(dollars in thousands) |  | Prior |  | 2020 |  | 2021 |  | 2022 |  | 2023 |  | 2024 |  | Revolving Loans Amort. Cost Basis |  | Revolving Loans Convert. to Term |  | Total
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 132,595 |  |  | $ | 26,775 |  |  | $ | 133,400 |  |  | $ | 110,439 |  |  | $ | 89,608 |  |  | $ | 104,927 |  |  | $ | 513,645 |  |  | $ | 4,394 |  |  | $ | 1,115,783 |
Special Mention |  | 7,828 |  |  | 3,479 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 18,384 |  |  | — |  |  | 29,691 |
Substandard |  | 11,404 |  |  | 3,713 |  |  | 2,128 |  |  | 519 |  |  | — |  |  | — |  |  | 12,223 |  |  | 7,880 |  |  | 37,867 |
Total |  | 151,827 |  |  | 33,967 |  |  | 135,528 |  |  | 110,958 |  |  | 89,608 |  |  | 104,927 |  |  | 544,252 |  |  | 12,274 |  |  | 1,183,341 |
YTD gross charge-offs |  | (4,350) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (506) |  |  | (50) |  |  | (4,906) |
PPP loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | — |  |  | — |  |  | 287 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 287 |
Income producing - commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 1,442,246 |  |  | 176,268 |  |  | 626,527 |  |  | 680,822 |  |  | 276,731 |  |  | 151,535 |  |  | 216,363 |  |  | 29,243 |  |  | 3,599,735 |
Special Mention |  | 74,251 |  |  | 91,643 |  |  | — |  |  | 20,600 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 186,494 |
Substandard |  | 266,309 |  |  | 1,808 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10,500 |  |  | — |  |  | 278,617 |
Total |  | 1,782,806 |  |  | 269,719 |  |  | 626,527 |  |  | 701,422 |  |  | 276,731 |  |  | 151,535 |  |  | 226,863 |  |  | 29,243 |  |  | 4,064,846 |
YTD gross charge-offs |  | (29,898) |  |  | (386) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (30,284) |
Owner occupied - commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 622,258 |  |  | 57,611 |  |  | 219,162 |  |  | 39,221 |  |  | 138,860 |  |  | 69,623 |  |  | 299 |  |  | — |  |  | 1,147,034 |
Special Mention |  | 23,658 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 23,658 |
Substandard |  | 96,634 |  |  | 1,248 |  |  | — |  |  | 1,095 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 98,977 |
Total |  | 742,550 |  |  | 58,859 |  |  | 219,162 |  |  | 40,316 |  |  | 138,860 |  |  | 69,623 |  |  | 299 |  |  | — |  |  | 1,269,669 |
YTD gross charge-offs |  | (3,800) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (3,800) |
Real estate mortgage - residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 20,080 |  |  | 2,435 |  |  | 9,972 |  |  | 12,181 |  |  | 5,867 |  |  | — |  |  | — |  |  | — |  |  | 50,535 |
Total |  | 20,080 |  |  | 2,435 |  |  | 9,972 |  |  | 12,181 |  |  | 5,867 |  |  | — |  |  | — |  |  | — |  |  | 50,535 |
Construction - commercial and residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 26,739 |  |  | 38,385 |  |  | 199,933 |  |  | 595,496 |  |  | 202,577 |  |  | 7,588 |  |  | 124,508 |  |  | — |  |  | 1,195,226 |
Special Mention |  | — |  |  | — |  |  | 4,964 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4,964 |
Substandard |  | 5,683 |  |  | — |  |  | 4,890 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10,573 |
Total |  | 32,422 |  |  | 38,385 |  |  | 209,787 |  |  | 595,496 |  |  | 202,577 |  |  | 7,588 |  |  | 124,508 |  |  | — |  |  | 1,210,763 |
YTD gross charge-offs |  | (129) |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | (129)
Construction - C&I (owner occupied): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 6,063 |  |  | 24,632 |  |  | — |  |  | 36,544 |  |  | 8,458 |  |  | 26,730 |  |  | 832 |  |  | — |  |  | 103,259 |
Home equity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 1,366 |  |  | 71 |  |  | 35 |  |  | 116 |  |  | — |  |  | — |  |  | 48,443 |  |  | 765 |  |  | 50,796 |
Substandard |  | 59 |  |  | — |  |  | 222 |  |  | — |  |  | — |  |  | — |  |  | 53 |  |  | — |  |  | 334 |
Total |  | 1,425 |  |  | 71 |  |  | 257 |  |  | 116 |  |  | — |  |  | — |  |  | 48,496 |  |  | 765 |  |  | 51,130 |
Other consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 3 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 49 |  |  | 1,006 |  |  | — |  |  | 1,058 |
YTD gross charge-offs |  | (70) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (17) |  |  | (1) |  |  | (88) |
Total Recorded Investment |  | $ | 2,737,176 |  |  | $ | 428,068 |  |  | $ | 1,201,520 |  |  | $ | 1,497,033 |  |  | $ | 722,101 |  |  | $ | 360,452 |  |  | $ | 946,256 |  |  | $ | 42,282 |  |  | $ | 7,934,888 |
Total YTD gross charge-offs |  | $ | (38,247) |  |  | $ | (386) |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | (523) |  |  | $ | (51) |  |  | $ | (39,207) |
Schedule of Information Related to Nonaccrual Loans by Class | The table below presents, by portfolio segment, information related to the amortized cost basis of nonaccrual HFI loans.
|  | As of
|  | September 30, 2025 |  | December 31, 2024
(dollars in thousands) |  | Nonaccrual with No Allowance for Credit Loss |  | Nonaccrual with an Allowance for Credit Losses |  | Total Nonaccrual Loans |  | Nonaccrual with No Allowance for Credit Loss |  | Nonaccrual with an Allowance for Credit Losses |  | Total Nonaccrual Loans
Commercial |  | $ | 3,057 |  |  | $ | 14,482 |  |  | $ | 17,539 |  |  | $ | 1,439 |  |  | $ | 609 |  |  | $ | 2,048 |
Income producing - commercial real estate |  | 32,547 |  |  | 24,799 |  |  | 57,346 |  |  | 47,224 |  |  | 121,230 |  |  | 168,454 |
Owner occupied - commercial real estate |  | 4,099 |  |  | 10,548 |  |  | 14,647 |  |  | 642 |  |  | 37,102 |  |  | 37,744 |
Real estate mortgage - residential |  | 6,141 |  |  | — |  |  | 6,141 |  |  | — |  |  | 157 |  |  | 157 |
Construction- commercial and residential |  | 2,311 |  |  | 20,164 |  |  | 22,475 |  |  | — |  |  | — |  |  | — |
Home equity |  | 499 |  |  | — |  |  | 499 |  |  | 303 |  |  | — |  |  | 303 |
Other consumer |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total (1) |  | $ | 48,654 |  |  | $ | 69,993 |  |  | $ | 118,647 |  |  | $ | 49,608 |  |  | $ | 159,098 |  |  | $ | 208,706 |
(1)Gross coupon interest income of $19.0 million, and $5.9 million would have been recorded for the nine months ended September 30, 2025 and 2024 respectively, if nonaccrual loans shown above had been current and in accordance with their original terms. Interest income recognized on loans on nonaccrual status was immaterial and zero for the nine months ended September 30, 2025 and 2024, respectively. See "Note 1 – Summary of Significant Accounting Policies" to the Consolidated Financial Statements for a description of the Company’s policy for placing loans on nonaccrual status.
Schedule of Class of Loan, an Aging Analysis and the Recorded Investments in Loans Past Due | The table below presents, by portfolio segment, an aging analysis and the recorded investments in HFI loans past due.
|  | As of September 30, 2025
(dollars in thousands) |  | Loans 30-59 Days Past Due |  | Loans 60-89 Days Past Due |  | Loans 90 Days or More Past Due |  | Total Past Due Loans |  | Current Loans |  | Nonaccrual Loans |  | Total Recorded Investment in Loans
Commercial |  | $ | 7,731 |  |  | $ | 611 |  |  | $ | — |  |  | $ | 8,342 |  |  | $ | 1,191,924 |  |  | $ | 17,539 |  |  | $ | 1,217,805 |
PPP loans |  | — |  |  | — |  |  | — |  |  | — |  |  | 103 |  |  | — |  |  | 103 |
Income producing - commercial real estate |  | 241 |  |  | 5,257 |  |  | — |  |  | 5,498 |  |  | 3,390,189 |  |  | 57,346 |  |  | 3,453,033 |
Owner occupied - commercial real estate |  | 13,581 |  |  | — |  |  | — |  |  | 13,581 |  |  | 1,466,483 |  |  | 14,647 |  |  | 1,494,711 |
Real estate mortgage – residential |  | — |  |  | — |  |  | — |  |  | — |  |  | 38,543 |  |  | 6,141 |  |  | 44,684 |
Construction - commercial and residential |  | — |  |  | 1,440 |  |  | — |  |  | 1,440 |  |  | 986,452 |  |  | 22,475 |  |  | 1,010,367 |
Construction - C&I (owner occupied) |  | — |  |  | — |  |  | — |  |  | — |  |  | 33,378 |  |  | — |  |  | 33,378 |
Home equity |  | 214 |  |  | 70 |  |  | — |  |  | 284 |  |  | 48,550 |  |  | 499 |  |  | 49,333 |
Other consumer |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,265 |  |  | — |  |  | 1,265 |
Total |  | $ | 21,767 |  |  | $ | 7,378 |  |  | $ | — |  |  | $ | 29,145 |  |  | $ | 7,156,887 |  |  | $ | 118,647 |  |  | $ | 7,304,679 |
|  | As of December 31, 2024
(dollars in thousands) |  | Loans 30-59 Days Past Due |  | Loans 60-89 Days Past Due |  | Loans 90 Days or More Past Due |  | Total Past Due Loans |  | Current Loans |  | Nonaccrual Loans |  | Total Recorded Investment in Loans
Commercial |  | $ | 5,121 |  |  | $ | 3,759 |  |  | $ | — |  |  | $ | 8,880 |  |  | $ | 1,172,413 |  |  | $ | 2,048 |  |  | $ | 1,183,341 |
PPP loans |  | — |  |  | — |  |  | — |  |  | — |  |  | 287 |  |  | — |  |  | 287 |
Income producing - commercial real estate |  | 13,804 |  |  | — |  |  | — |  |  | 13,804 |  |  | 3,882,588 |  |  | 168,454 |  |  | 4,064,846 |
Owner occupied - commercial real estate |  | 2,968 |  |  | — |  |  | — |  |  | 2,968 |  |  | 1,228,957 |  |  | 37,744 |  |  | 1,269,669 |
Real estate mortgage – residential |  | — |  |  | — |  |  | — |  |  | — |  |  | 50,378 |  |  | 157 |  |  | 50,535 |
Construction - commercial and residential |  | — |  |  | 1,031 |  |  | — |  |  | 1,031 |  |  | 1,209,732 |  |  | — |  |  | 1,210,763 |
Construction - C&I (owner occupied) |  | — |  |  | — |  |  | — |  |  | — |  |  | 103,259 |  |  | — |  |  | 103,259 |
Home equity |  | 52 |  |  | — |  |  | — |  |  | 52 |  |  | 50,775 |  |  | 303 |  |  | 51,130 |
Other consumer |  | 28 |  |  | — |  |  | — |  |  | 28 |  |  | 1,030 |  |  | — |  |  | 1,058 |
Total |  | $ | 21,973 |  |  | $ | 4,790 |  |  | $ | — |  |  | $ | 26,763 |  |  | $ | 7,699,419 |  |  | $ | 208,706 |  |  | $ | 7,934,888 |
Schedule of Loans Modified in Troubled Debt Restructurings | The table below presents the amortized cost basis and the financial effect of HFI loans modified for borrowers experiencing financial difficulty.
(dollars in thousands) |  |  |  | Term Extension |  | Combination - Term Extension and Principal Payment Delay |  | Combination - Principal Payment Delay and Interest Rate Reduction |  | Combination - Term Extension, Principal Payment Delay and Interest Rate Reduction |  | Total |  | Percentage of Total Loan Type |  | Weighted Average Term and Principal Payment Extension (1) |  | Weighted Average Interest Rate Reduction (2)
For the Three Months Ended September 30, 2025 |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  | $ | 8,529 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 8,529 |  |  | 0.7 | % |  | 6 months |  | — | %
Income producing - commercial real estate |  |  |  | 1,814 |  |  | 40,815 |  |  | — |  |  | — |  |  | 42,629 |  |  | 1.2 | % |  | 5 months |  | — | %
Construction - commercial and residential |  |  |  | 1,821 |  |  | — |  |  | — |  |  | — |  |  | 1,821 |  |  | 0.2 | % |  | 9 months |  | — | %
Total |  |  |  | $ | 12,164 |  |  | $ | 40,815 |  |  | $ | — |  |  | $ | — |  |  | $ | 52,979 |  |  |  |  |  |  |
For the Three Months Ended September 30, 2024 |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  | $11,328 |  | $ | 28,776 |  |  | $ | — |  |  | $ | — |  |  | $ | 40,104 |  |  | 3.5 | % |  | 10 months |  | — | %
Income producing - commercial real estate |  |  |  | 27,535 |  | 69,023 |  |  | — |  |  | — |  |  | 96,558 |  |  | 2.3 | % |  | 12 months |  | — | %
Total |  |  |  | $38,863 |  | $ | 97,799 |  |  | $ | — |  |  | $ | — |  |  | $ | 136,662 |  |  |  |  |  |  |
For the Nine Months Ended September 30, 2025 |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  | $ | 19,835 |  |  | $ | 9,867 |  |  | $ | — |  |  | $ | — |  |  | $ | 29,702 |  |  | 2.4 | % |  | 17 months |  | — | %
Income producing - commercial real estate |  |  |  | 5,886 |  |  | 131,897 |  |  | — |  |  | — |  |  | 137,783 |  |  | 4.0 | % |  | 22 months |  | — | %
Owner occupied - commercial real estate |  |  |  | 12,674 |  |  | — |  |  | — |  |  | — |  |  | 12,674 |  |  | 0.8 | % |  | 4 months |  | — | %
Real estate mortgage - residential |  |  |  | — |  |  | 5,736 |  |  | — |  |  | — |  |  | 5,736 |  |  | 12.8 | % |  | 6 months |  | — | %
Construction - commercial and residential |  |  |  | 1,821 |  |  | 11,486 |  |  | — |  |  | — |  |  | 13,307 |  |  | 1.3 | % |  | 22 months |  | — | %
Total |  |  |  | $ | 40,216 |  |  | $ | 158,986 |  |  | $ | — |  |  | $ | — |  |  | $ | 199,202 |  |  |  |  |  |  |
For the Nine Months Ended September 30, 2024 |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  | $ | 27,325 |  |  | $ | 28,776 |  |  | $ | 7,831 |  |  | $ | — |  |  | $ | 63,932 |  |  | 5.5 | % |  | 13 months |  | 1.63 | %
Income producing - commercial real estate |  |  |  | 27,535 |  |  | 171,851 |  |  | — |  |  | 3,513 |  |  | 202,899 |  |  | 4.9 | % |  | 10 months |  | 3.59 | %
Owner occupied - commercial real estate |  |  |  | 874 |  |  | — |  |  | — |  |  | — |  |  | 874 |  |  | 0.1 | % |  | 12 months |  | — | %
Construction - commercial and residential |  |  |  | — |  |  | 11,030 |  |  | — |  |  | — |  |  | 11,030 |  |  | 0.9 | % |  | 9 months |  | — | %
Total |  |  |  | $ | 55,734 |  |  | $ | 211,657 |  |  | $ | 7,831 |  |  | $ | 3,513 |  |  | $ | 278,735 |  |  |  |  |  |  |
(1)For loans that received multiple modifications during the year, weighted average term and principal payment extensions were calculated based on the aggregate impact of the extensions received during the period. (2)The weighted average is calculated based on the total amortized cost of loans, at the year-end, that received interest rate reduction modifications during the year. The table below presents the performance of HFI loans modified during the prior twelve months for borrowers experiencing financial difficulty.
|  | Payment Status (Amortized Cost Basis)
(dollars in thousands) |  | Current |  | 30-89 Days Past Due |  | 90 Days or More Past Due |  | Nonaccrual
September 30, 2025 |  |  |  |  |  |  |  |
Commercial |  | $ | 32,161 |  |  | $ | — |  |  | $ | — |  |  | $ | 4,982 |
Income producing - commercial real estate |  | 109,661 |  |  | 2,819 |  |  | — |  |  | 27,202 |
Owner occupied - commercial real estate |  | 12,674 |  |  | — |  |  | — |  |  | — |
Real estate mortgage - residential |  | — |  |  |  |  |  |  | 5,736 |
Construction - commercial and residential |  | 16,509 |  |  | — |  |  | — |  |  | 6,418 |
Total |  | $ | 171,005 |  |  | $ | 2,819 |  |  | $ | — |  |  | $ | 44,338 |
September 30, 2024 |  |  |  |  |  |  |  |
Commercial |  | $ | 60,611 |  |  | $ | 3,321 |  |  | $ | — |  |  | $ | — |
Income producing - commercial real estate |  | 158,916 |  |  | 12,371 |  |  | — |  |  | 57,558 |
Owner occupied - commercial real estate |  | 874 |  |  | — |  |  | — |  |  | — |
Construction - commercial and residential |  | 11,030 |  |  | — |  |  | — |  |  | — |
Total |  | $ | 231,431 |  |  | $ | 15,692 |  |  | $ | — |  |  | $ | 57,558 |
Schedule of Amortized Cost Basis of Loan for Payment Default | The table below presents the amortized cost basis of HFI loans that were experiencing payment default and were modified in the twelve months prior to that default for borrowers experiencing financial difficulty.
|  | Amortized Cost Basis
(dollars in thousands) |  | Term Extension |  | Combination - Term Extension and Principal Payment Delay |  |
September 30, 2025 |  |  |  |  |  |
Commercial |  | $ | 4,546 |  |  | $ | 436 |  |  |
Income producing - commercial real estate |  | — |  |  | 30,021 |  |  |
Real estate mortgages - residential |  | — |  |  | 5,736 |  |  |
Construction - commercial and residential |  | 1,821 |  |  | 4,597 |  |  |
Total |  | $ | 6,367 |  |  | $ | 40,790 |  |  |
September 30, 2024 |  |  |  |  |  |
Commercial |  | $ | 3,321 |  |  | $ | — |  |  |
Income producing - commercial real estate |  | — |  |  | 69,929 |  |  |
Total |  | $ | 3,321 |  |  | $ | 69,929 |  |  |

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