v3.25.3
ALLOWANCE FOR CREDIT LOSSES - Bank's Allowance for Credit Losses (Details) - USD ($)
$ / shares in Units, $ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Dec. 31, 2024
Financing Receivable Allowance For Credit Losses          
Financing receivables collectively evaluated for impairment $ 7,200,000   $ 7,200,000   $ 7,800,000
Percentage of financing receivables collectively evaluated for impairment 97.90%   97.90%   97.60%
Financing receivables individually evaluated for impairment $ 104,000   $ 104,000   $ 164,700
Percentage of financing receivables individually evaluated for impairment 1.40%   1.40%   2.10%
Financing Receivable, Allowance for Credit Loss, Beginning Balance $ 37,560 $ 29,295 $ 32,302 $ 29,205  
Provision (Reversal) for Credit Losses 64,886 289 70,471 937  
Charge-offs (670) (364) (1,565) (1,226)  
Recoveries 137 80 705 384  
Financing Receivable, Allowance for Credit Loss, Ending Balance 101,913 29,300 $ 101,913 29,300  
Qualitative assessment horizon     2 years    
Assumptions on accrued interest allowance for credit loss 36,400        
Change in commercial and industrial loan pooled evaluation to individually evaluated loans 16,800        
Reduction in net income $ 53,200   $ 53,200    
Reduction in basis and diluted earnings per share $ 0.65   $ 0.65    
Minimum          
Financing Receivable Allowance For Credit Losses          
Increase in accrued interest allowance for credit loss $ 64,400        
Maximum          
Financing Receivable Allowance For Credit Losses          
Financing Receivable, Allowance for Credit Loss, Ending Balance 101,900   $ 101,900    
Collateral pledged          
Financing Receivable Allowance For Credit Losses          
Financing receivables collectively evaluated for impairment $ 51,700   $ 51,700    
Financing receivables individually evaluated for impairment         $ 27,000
Percentage of financing receivables individually evaluated for impairment 0.70%   0.70%   0.30%
Unfunded loan commitment          
Financing Receivable Allowance For Credit Losses          
Financing Receivable, Allowance for Credit Loss, Beginning Balance     $ 1,300    
Financing Receivable, Allowance for Credit Loss, Ending Balance $ 1,900   1,900    
Residential properties          
Financing Receivable Allowance For Credit Losses          
Financing Receivable, Allowance for Credit Loss, Beginning Balance 6,780 9,013 7,216 9,921  
Provision (Reversal) for Credit Losses 35,165 (2,010) 34,723 (2,918)  
Recoveries     6    
Financing Receivable, Allowance for Credit Loss, Ending Balance 41,945 7,003 41,945 7,003  
Commercial properties          
Financing Receivable Allowance For Credit Losses          
Financing Receivable, Allowance for Credit Loss, Beginning Balance 6,390 6,086 6,683 4,148  
Provision (Reversal) for Credit Losses 3,526 493 3,233 2,431  
Financing Receivable, Allowance for Credit Loss, Ending Balance 9,916 6,579 9,916 6,579  
Land and construction          
Financing Receivable Allowance For Credit Losses          
Financing Receivable, Allowance for Credit Loss, Beginning Balance 93 77 61 332  
Provision (Reversal) for Credit Losses (7) (17) 25 (272)  
Financing Receivable, Allowance for Credit Loss, Ending Balance 86 60 86 60  
Commercial and industrial loans          
Financing Receivable Allowance For Credit Losses          
Financing Receivable, Allowance for Credit Loss, Beginning Balance 24,284 14,104 18,333 14,796  
Provision (Reversal) for Credit Losses 26,202 1,809 32,486 1,676  
Charge-offs (670) (341) (1,565) (1,203)  
Recoveries 137 80 699 383  
Financing Receivable, Allowance for Credit Loss, Ending Balance 49,953 15,652 49,953 15,652  
Consumer loans          
Financing Receivable Allowance For Credit Losses          
Financing Receivable, Allowance for Credit Loss, Beginning Balance 13 15 9 8  
Provision (Reversal) for Credit Losses   14 4 20  
Charge-offs   (23)   (23)  
Recoveries       1  
Financing Receivable, Allowance for Credit Loss, Ending Balance $ 13 $ 6 $ 13 $ 6  
Multifamily and non-owner occupied commercial real estate | Minimum          
Financing Receivable Allowance For Credit Losses          
Loss given default percentage on loans     5.00%    
Multifamily and non-owner occupied commercial real estate | Maximum          
Financing Receivable Allowance For Credit Losses          
Loss given default percentage on loans     10.00%