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LOANS - Summary of Changes in the ACL on Loans (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2024 | Sep. 30, 2023 | Sep. 30, 2024 | Sep. 30, 2023
Changes in allowance for credit losses on loans |  |  |  |
Balance, beginning of period | $ 92,183 | $ 64,950 | $ 68,502 | $ 61,051
Provision for credit losses on loans | 5,000 | 5,168 | 36,000 | 14,182
Charge-offs | (12,056) | (7,348) | (22,348) | (13,781)
Recoveries | 677 | 3,899 | 3,650 | 5,217
Balance, end of period | 85,804 | 66,669 | 85,804 | 66,669
Commercial Loan Portfolio |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |
Charge-offs | (2,523) |  | (8,597) |
Commercial Loan Portfolio | Commercial |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |
Balance, beginning of period | 24,247 | 15,290 | 21,847 | 14,639
Provision for credit losses on loans | 1,866 | 7,289 | 9,375 | 9,483
Charge-offs | (2,491) | (3,249) | (7,869) | (5,289)
Recoveries | 484 | 80 | 753 | 577
Balance, end of period | 24,106 | 19,410 | 24,106 | 19,410
Commercial Loan Portfolio | Commercial real estate |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |
Balance, beginning of period | 22,197 | 29,425 | 20,229 | 29,290
Provision for credit losses on loans | 364 | (6,176) | 788 | (4,079)
Charge-offs | (32) | (2,316) | (728) | (4,606)
Recoveries | 2 | 3,678 | 2,242 | 4,006
Balance, end of period | 22,531 | 24,611 | 22,531 | 24,611
Commercial Loan Portfolio | Construction and land development |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |
Balance, beginning of period | 12,966 | 3,189 | 4,163 | 2,435
Provision for credit losses on loans | (907) | 385 | 7,895 | 1,441
Charge-offs | 0 | (44) | 0 | (378)
Recoveries | 2 | 0 | 3 | 32
Balance, end of period | 12,061 | 3,530 | 12,061 | 3,530
Residential Loan Portfolio | Residential real estate |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |
Balance, beginning of period | 5,193 | 5,551 | 5,553 | 4,301
Provision for credit losses on loans | 255 | 209 | (138) | 1,479
Charge-offs | (159) | (95) | (194) | (180)
Recoveries | 62 | 33 | 130 | 98
Balance, end of period | 5,351 | 5,698 | 5,351 | 5,698
Consumer Loan Portfolio | Consumer |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |
Balance, beginning of period | 14,292 | 3,953 | 3,770 | 3,599
Provision for credit losses on loans | 90 | 228 | 10,896 | 932
Charge-offs | (6,395) | (250) | (6,829) | (773)
Recoveries | 44 | 53 | 194 | 226
Balance, end of period | 8,031 | 3,984 | 8,031 | 3,984
Lease financing |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |
Balance, beginning of period | 13,288 | 7,542 | 12,940 | 6,787
Provision for credit losses on loans | 3,332 | 3,233 | 7,184 | 4,926
Charge-offs | (2,979) | (1,394) | (6,728) | (2,555)
Recoveries | 83 | 55 | 328 | 278
Balance, end of period | $ 13,724 | $ 9,436 | $ 13,724 | $ 9,436

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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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