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LOANS - Summary of Changes in the ACL on Loans (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2025 | Jun. 30, 2024 | Jun. 30, 2025 | Jun. 30, 2024
Changes in allowance for credit losses on loans |  |  |  |
Balance, beginning of period | $ 105,176 | $ 160,844 | $ 111,204 | $ 159,319
Provision for credit losses on loans | 17,369 | 8,482 | 28,219 | 28,424
Charge-offs | (33,384) | (16,265) | (51,380) | (35,273)
Recoveries | 3,529 | 2,382 | 4,647 | 2,973
Balance, end of period | 92,690 | 155,443 | 92,690 | 155,443
Commercial Loan Portfolio |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |
Charge-offs | (28,614) | (3,843) | (42,637) | (9,394)
Commercial Loan Portfolio | Commercial |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |
Balance, beginning of period | 33,554 | 26,704 | 42,776 | 29,672
Provision for credit losses on loans | 5,773 | 9,217 | 9,355 | 10,993
Charge-offs | (6,161) | (3,838) | (19,461) | (8,698)
Recoveries | 1,013 | 153 | 1,509 | 269
Balance, end of period | 34,179 | 32,236 | 34,179 | 32,236
Commercial Loan Portfolio | Commercial real estate |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |
Balance, beginning of period | 39,069 | 21,367 | 36,837 | 20,229
Provision for credit losses on loans | 10,186 | (1,253) | 13,139 | 424
Charge-offs | (22,453) | (5) | (23,176) | (696)
Recoveries | 637 | 2,088 | 639 | 2,240
Balance, end of period | 27,439 | 22,197 | 27,439 | 22,197
Commercial Loan Portfolio | Construction and land development |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |
Balance, beginning of period | 3,021 | 12,629 | 3,550 | 4,163
Provision for credit losses on loans | (1,181) | 336 | (1,711) | 8,802
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 1,029 | 1 | 1,030 | 1
Balance, end of period | 2,869 | 12,966 | 2,869 | 12,966
Residential real estate: | Residential real estate |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |
Balance, beginning of period | 7,874 | 5,655 | 8,002 | 5,553
Provision for credit losses on loans | (860) | (475) | (934) | (393)
Charge-offs | 0 | 0 | (72) | (35)
Recoveries | 90 | 13 | 108 | 68
Balance, end of period | 7,104 | 5,193 | 7,104 | 5,193
Consumer: | Consumer |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |
Balance, beginning of period | 5,935 | 81,023 | 5,400 | 86,762
Provision for credit losses on loans | 296 | (1,185) | 1,236 | 4,746
Charge-offs | (884) | (10,338) | (1,337) | (22,095)
Recoveries | 357 | 63 | 405 | 150
Balance, end of period | 5,704 | 69,563 | 5,704 | 69,563
Lease financing |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |
Balance, beginning of period | 15,723 | 13,466 | 14,639 | 12,940
Provision for credit losses on loans | 3,155 | 1,842 | 7,134 | 3,852
Charge-offs | (3,886) | (2,084) | (7,334) | (3,749)
Recoveries | 403 | 64 | 956 | 245
Balance, end of period | $ 15,395 | $ 13,288 | $ 15,395 | $ 13,288

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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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