Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2024

Allowance for Credit Losses

Schedule of changes in the allowance for credit losses for loans held for investment, distributed by portfolio segment

Changes in the allowance for credit losses for loans held for investments, distributed by portfolio segment, are shown below (in thousands).

	Balance,		Provision for				Recoveries on
	Beginning of		(Reversal of)		Loans		Charged Off		Balance,
Year Ended December 31, 2024	Year		Credit Losses		Charged Off		Loans		End of Year
Commercial real estate:
Non-owner occupied	$	40,061	$	(9,104)	$	(1,647)	$	—	$	29,310
Owner occupied		28,114		4,849		—		149		33,112
Commercial and industrial		20,926		14,520		(11,865)		2,028		25,609
Construction and land development		12,102		(4,943)		—		2		7,161
1-4 family residential		9,461		(4,302)		(2)		170		5,327
Consumer		648		(28)		(284)		211		547
Broker-dealer		101		(51)		—		—		50
Total	$	111,413	$	941	$	(13,798)	$	2,560	$	101,116

	Balance,		Provision for				Recoveries on
	Beginning of		(Reversal of)		Loans		Charged Off		Balance,
Year Ended December 31, 2023	Year		Credit Losses		Charged Off		Loans		End of Year
Commercial real estate:
Non-owner occupied	$	39,247	$	806	$	(34)	$	42	$	40,061
Owner occupied		24,008		5,042		(977)		41		28,114
Commercial and industrial		16,035		6,334		(4,888)		3,445		20,926
Construction and land development		6,051		6,052		(1)		—		12,102
1-4 family residential		9,313		86		(73)		135		9,461
Consumer		554		205		(387)		276		648
Broker-dealer		234		(133)		—		—		101
Total	$	95,442	$	18,392	$	(6,360)	$	3,939	$	111,413

	Balance,		Provision for				Recoveries on
	Beginning of		(Reversal of)		Loans		Charged Off		Balance,
Year Ended December 31, 2022	Year		Credit Losses		Charged Off		Loans		End of Year
Commercial real estate:
Non-owner occupied	$	36,001	$	3,218	$	—	$	28	$	39,247
Owner occupied		23,353		555		—		100		24,008
Commercial and industrial		21,982		(1,748)		(6,945)		2,746		16,035
Construction and land development		4,674		1,377		—		—		6,051
1-4 family residential		4,589		4,729		(138)		133		9,313
Consumer		578		119		(432)		289		554
Broker-dealer		175		59		—		—		234
Total	$	91,352	$	8,309	$	(7,515)	$	3,296	$	95,442

Schedule of changes in the allowance for credit losses for loans with off-balance sheet credit exposures

Changes in the allowance for credit losses for loans with off-balance sheet credit exposures are shown below (in thousands).

	Year Ended December 31,
	2024		2023		2022
Balance, beginning of year	$	8,876	$	7,784	$	5,880
Other noninterest expense		(958)		1,092		1,904
Balance, end of year	$	7,918	$	8,876	$	7,784