XML 57 R45.htm IDEA: XBRL DOCUMENT v3.25.3
Loans and Allowance for Credit Losses - Narrative (Details)
$ in Thousands
 3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2025
USD ($)
loan
borrower
Sep. 30, 2024
USD ($)
loan
borrower
Sep. 30, 2025
USD ($)
loan
Category
borrower
note
category
Sep. 30, 2024
USD ($)
borrower
loan
Dec. 31, 2024
USD ($)
Sep. 30, 2025
loan_relationship
Sep. 30, 2025
mortgage
Sep. 30, 2025
loan
Sep. 30, 2025
Jun. 30, 2025
USD ($)
Jun. 30, 2024
USD ($)
Dec. 31, 2023
USD ($)
Activity in the allowance for loan losses:                        
Number of national credit relationships | loan_relationship           4,000,000            
Outstanding balance $ 2,236,064   $ 2,236,064   $ 2,080,468              
Allowance for credit losses 23,322 $ 21,499 23,322 $ 21,499 19,663         $ 20,785 $ 22,084 $ 22,124
Foreclosed properties held 600   600                  
Asset acquisition, consideration transferred     $ 500                  
Number of points in internal risk rating system | category     9                  
Number of categories in internal risk rating system considered as not criticized | Category     5                  
Commercial relationship credit review threshold amount 1,000   $ 1,000                  
Liability for unfunded commitments 1,800   1,800   1,600              
Accrued interest, write off $ 967 1,392 $ 2,981 5,080 7,756              
Number of loans modified in period | loan 4   8                  
Unfunded commitments $ 4,427 $ 959 $ 6,594 $ 3,210                
Number of borrowers with modified loans | borrower 4 1 8 17                
Total $ 1,900                      
Total 2,027 $ 475 $ 21,622 $ 5,808                
Total Past Due                        
Activity in the allowance for loan losses:                        
Total 1,328   4,758 5,135                
Accrued interest modified $ 4,800   $ 4,800                  
Payment Delay                        
Activity in the allowance for loan losses:                        
Number of loans modified in period | loan 1,000,000   2                  
Number of borrowers with modified loans | borrower 1   2                  
Total $ 100   $ 1,000                  
Total 1,920 0 8,045 5,333                
Minimum                        
Activity in the allowance for loan losses:                        
Percentage of commercial outstanding loan balances                 35.00%      
Maximum                        
Activity in the allowance for loan losses:                        
Percentage of commercial outstanding loan balances                 40.00%      
Total commercial                        
Activity in the allowance for loan losses:                        
Allowance for credit losses 13,967 12,863 13,967 12,863 10,838         12,633 13,482 12,536
Number foreclosed properties sold             1 1,000,000        
Investment in loans in the process of foreclosure 100   100                  
Accrued interest, write off 546 415 1,598 2,292                
Total 2,027 475 21,622 5,808                
Total commercial | Total Past Due                        
Activity in the allowance for loan losses:                        
Total 1,328   4,758 5,135                
Total commercial | Payment Delay                        
Activity in the allowance for loan losses:                        
Total 1,920 0 8,045 5,333                
Total commercial | Payment Delay | Residential Real Estate                        
Activity in the allowance for loan losses:                        
Total     1,300                  
Residential real estate                        
Activity in the allowance for loan losses:                        
Allowance for credit losses 8,210 7,087 8,210 7,087 7,322         6,955 6,248 6,412
Number foreclosed properties sold | mortgage             1,000,000          
Investment in loans in the process of foreclosure 400   400                  
Accrued interest, write off 0 0 0 0 11              
Total 0 0 0 0                
Residential real estate | Total Past Due                        
Activity in the allowance for loan losses:                        
Total 0   0 0                
Residential real estate | Payment Delay                        
Activity in the allowance for loan losses:                        
Total 0 0 0                
Consumer                        
Activity in the allowance for loan losses:                        
Allowance for credit losses 1,047 1,458 1,047 1,458 1,408         1,110 2,269 3,079
Accrued interest, write off 421 977 1,383 2,788 3,366              
Total 0 0 0 0                
Consumer | Total Past Due                        
Activity in the allowance for loan losses:                        
Total 0   0 0                
Consumer | Payment Delay                        
Activity in the allowance for loan losses:                        
Total 0 0 0                
National Credit Relationships                        
Activity in the allowance for loan losses:                        
Outstanding balance 89,800   89,800                  
Allowance for credit losses 61,200   61,200                  
Subprime Consumer Automotive Segment | Total commercial                        
Activity in the allowance for loan losses:                        
Accrued interest, write off $ 600   $ 1,600                  
Number of loans modified in period | loan 2   10                  
Subprime Consumer Automotive Segment | Consumer                        
Activity in the allowance for loan losses:                        
Accrued interest, write off $ 400   $ 1,400                  
Unfunded Commitments                        
Activity in the allowance for loan losses:                        
Unfunded commitments 200 300 $ 200 500                
Business | Payment Delay | Government-Guaranteed Collateral                        
Activity in the allowance for loan losses:                        
Number of loans modified in period | loan     8                  
Business | Total commercial                        
Activity in the allowance for loan losses:                        
Allowance for credit losses 9,222 8,415 $ 9,222 8,415 6,495         $ 7,704 $ 9,573 $ 7,931
Accrued interest, write off 546 415 1,598 2,292 $ 4,379              
Total 2,027 475 8,152 5,808                
Accrued interest modified 2,500 $ 2,300 $ 2,500 $ 2,300                
Number of modified loans that has defaulted | loan     1 3                
Business | Total commercial | Total Past Due                        
Activity in the allowance for loan losses:                        
Total 1,328   $ 4,758 $ 5,135                
Number of past due modified loans | loan   0   0       3        
Business | Total commercial | Government-Guaranteed Collateral                        
Activity in the allowance for loan losses:                        
Total     5,500                  
Number of modified loans that has defaulted | loan       3                
Business | Total commercial | Government-Guaranteed Collateral | Total Past Due                        
Activity in the allowance for loan losses:                        
Number of past due modified loans | loan               2        
Accrued interest modified 600   $ 600                  
Business | Total commercial | Accounts Receivable                        
Activity in the allowance for loan losses:                        
Number of loans modified in period | note     1                  
Business | Total commercial | Residential Real Estate | Total Past Due                        
Activity in the allowance for loan losses:                        
Number of past due modified loans | loan               1        
Business | Total commercial | Payment Delay                        
Activity in the allowance for loan losses:                        
Total $ 1,920 $ 0 $ 8,045 $ 5,333                
Business | Total commercial | Payment Delay | Government-Guaranteed Collateral                        
Activity in the allowance for loan losses:                        
Number of loans modified in period | loan     7                  
Business | Total commercial | Payment Delay | Accounts Receivable                        
Activity in the allowance for loan losses:                        
Total     $ 2,500