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LOANS - Summary of Changes in the ACL on Loans (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended | 9 Months Ended | 12 Months Ended
--- | --- | --- | --- | ---
Sep. 30, 2024 | Jun. 30, 2024 | Mar. 31, 2024 | Sep. 30, 2023 | Jun. 30, 2023 | Mar. 31, 2023 | Jun. 30, 2024 | Jun. 30, 2023 | Sep. 30, 2024 | Sep. 30, 2023 | Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022
Changes in allowance for credit losses on loans |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of period | $ 155,443 | $ 160,844 | $ 159,319 | $ 151,415 | $ 140,864 | $ 128,889 | $ 159,319 | $ 128,889 | $ 159,319 | $ 128,889 | $ 159,319 | $ 128,889 | $ 89,444
Provision for credit losses on loans | 17,925 | 8,482 | 19,942 | 22,362 | 21,816 | 22,282 | 28,424 | 44,098 | 46,349 | 66,460 | 119,262 | 82,560 | 75,435
Charge-offs |  |  |  |  |  |  |  |  |  |  | (171,633) | (58,750) | (38,285)
Recoveries |  |  |  |  |  |  |  |  |  |  | 4,256 | 6,620 | 2,295
Balance, end of period | $ 151,067 | $ 155,443 | 160,844 | $ 157,815 | $ 151,415 | 140,864 | 155,443 | 151,415 | 151,067 | 157,815 | 111,204 | 159,319 | 128,889
Commercial Loan Portfolio |  |  |  |  |  |  |  |  |  |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |  |  |  |  |  |  |  |  |  |
Charge-offs |  |  |  |  |  |  |  |  |  |  | (58,442) | (20,304) |
Commercial Loan Portfolio | Commercial |  |  |  |  |  |  |  |  |  |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of period |  |  | 29,672 |  |  | 26,035 | 29,672 | 26,035 | 29,672 | 26,035 | 29,672 | 26,035 | 24,768
Provision for credit losses on loans |  |  |  |  |  |  |  |  |  |  | 42,610 | 15,555 | 9,307
Charge-offs |  |  |  |  |  |  |  |  |  |  | (30,453) | (13,703) | (8,441)
Recoveries |  |  |  |  |  |  |  |  |  |  | 947 | 1,785 | 401
Balance, end of period |  |  |  |  |  |  |  |  |  |  | 42,776 | 29,672 | 26,035
Commercial Loan Portfolio | Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of period |  |  | 20,229 |  |  | 29,290 | 20,229 | 29,290 | 20,229 | 29,290 | 20,229 | 29,290 | 22,993
Provision for credit losses on loans |  |  |  |  |  |  |  |  |  |  | 24,366 | (8,067) | 10,396
Charge-offs |  |  |  |  |  |  |  |  |  |  | (9,998) | (5,000) | (4,106)
Recoveries |  |  |  |  |  |  |  |  |  |  | 2,240 | 4,006 | 7
Balance, end of period |  |  |  |  |  |  |  |  |  |  | 36,837 | 20,229 | 29,290
Commercial Loan Portfolio | Construction and land development |  |  |  |  |  |  |  |  |  |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of period |  |  | 4,163 |  |  | 2,435 | 4,163 | 2,435 | 4,163 | 2,435 | 4,163 | 2,435 | 972
Provision for credit losses on loans |  |  |  |  |  |  |  |  |  |  | 17,375 | 3,296 | 1,439
Charge-offs |  |  |  |  |  |  |  |  |  |  | (17,991) | (1,601) | (6)
Recoveries |  |  |  |  |  |  |  |  |  |  | 3 | 33 | 30
Balance, end of period |  |  |  |  |  |  |  |  |  |  | 3,550 | 4,163 | 2,435
Residential real estate: | Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of period |  |  | 5,553 |  |  | 4,301 | 5,553 | 4,301 | 5,553 | 4,301 | 5,553 | 4,301 | 2,695
Provision for credit losses on loans |  |  |  |  |  |  |  |  |  |  | 3,028 | 1,385 | 1,698
Charge-offs |  |  |  |  |  |  |  |  |  |  | (817) | (271) | (344)
Recoveries |  |  |  |  |  |  |  |  |  |  | 238 | 138 | 252
Balance, end of period |  |  |  |  |  |  |  |  |  |  | 8,002 | 5,553 | 4,301
Consumer: | Consumer |  |  |  |  |  |  |  |  |  |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of period |  |  | 86,762 |  |  | 60,041 | 86,762 | 60,041 | 86,762 | 60,041 | 86,762 | 60,041 | 30,547
Provision for credit losses on loans |  |  |  |  |  |  |  |  |  |  | 16,415 | 59,582 | 53,128
Charge-offs |  |  |  |  |  |  |  |  |  |  | (98,051) | (33,149) | (24,091)
Recoveries |  |  |  |  |  |  |  |  |  |  | 274 | 288 | 457
Balance, end of period |  |  |  |  |  |  |  |  |  |  | 5,400 | 86,762 | 60,041
Lease financing |  |  |  |  |  |  |  |  |  |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of period |  |  | $ 12,940 |  |  | $ 6,787 | $ 12,940 | $ 6,787 | $ 12,940 | $ 6,787 | 12,940 | 6,787 | 7,469
Provision for credit losses on loans |  |  |  |  |  |  |  |  |  |  | 15,468 | 10,809 | (533)
Charge-offs |  |  |  |  |  |  |  |  |  |  | (14,323) | (5,026) | (1,297)
Recoveries |  |  |  |  |  |  |  |  |  |  | 554 | 370 | 1,148
Balance, end of period |  |  |  |  |  |  |  |  |  |  | $ 14,639 | $ 12,940 | $ 6,787

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