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v3.25.2

LOANS - Summary of Changes in the ACL on Loans (Details) - USD ($) $ in Thousands | 3 Months Ended
--- | ---
Mar. 31, 2025 | Mar. 31, 2024
Changes in allowance for credit losses on loans |  |
Balance, beginning of period | $ 111,204 | $ 159,319
Provision for credit losses on loans | 10,850 | 19,942
Charge-offs | (17,996) | (19,008)
Recoveries | 1,118 | 591
Balance, end of period | 105,176 | 160,844
Commercial Loan Portfolio |  |
Changes in allowance for credit losses on loans |  |
Charge-offs | (14,023) | (5,551)
Commercial Loan Portfolio | Commercial |  |
Changes in allowance for credit losses on loans |  |
Balance, beginning of period | 42,776 | 29,672
Provision for credit losses on loans | 3,580 | 1,776
Charge-offs | (13,300) | (4,860)
Recoveries | 498 | 116
Balance, end of period | 33,554 | 26,704
Commercial Loan Portfolio | Commercial real estate |  |
Changes in allowance for credit losses on loans |  |
Balance, beginning of period | 36,837 | 20,229
Provision for credit losses on loans | 2,954 | 1,677
Charge-offs | (723) | (691)
Recoveries | 1 | 152
Balance, end of period | 39,069 | 21,367
Commercial Loan Portfolio | Construction and land development |  |
Changes in allowance for credit losses on loans |  |
Balance, beginning of period | 3,550 | 4,163
Provision for credit losses on loans | (529) | 8,466
Charge-offs | 0 | 0
Recoveries | 0 | 0
Balance, end of period | 3,021 | 12,629
Residential real estate: | Residential real estate |  |
Changes in allowance for credit losses on loans |  |
Balance, beginning of period | 8,002 | 5,553
Provision for credit losses on loans | (74) | 82
Charge-offs | (72) | (35)
Recoveries | 18 | 55
Balance, end of period | 7,874 | 5,655
Consumer: | Consumer |  |
Changes in allowance for credit losses on loans |  |
Balance, beginning of period | 5,400 | 86,762
Provision for credit losses on loans | 940 | 5,931
Charge-offs | (453) | (11,757)
Recoveries | 48 | 87
Balance, end of period | 5,935 | 81,023
Lease financing |  |
Changes in allowance for credit losses on loans |  |
Balance, beginning of period | 14,639 | 12,940
Provision for credit losses on loans | 3,979 | 2,010
Charge-offs | (3,448) | (1,665)
Recoveries | 553 | 181
Balance, end of period | $ 15,723 | $ 13,466

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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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- Definition Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from writeoff. 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 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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