CONSOLIDATED BALANCE SHEET — UNAUDITED - USD ($) $ in Thousands	Jun. 30, 2025	Dec. 31, 2024
ASSETS
Cash and due from banks	$ 72,986	$ 56,787
Interest earning deposits	3,430,525	3,729,144
Cash and cash equivalents	3,503,511	3,785,931
Investment securities, at fair value (includes allowance for credit losses of $17,356 and $7,604, respectively)	1,877,406	2,019,694
Investment securities held to maturity	853,126	991,937
Loans held for sale (includes $5,281 and $163,891, respectively, at fair value)	32,963	204,794
Loans and leases receivable	13,719,829	13,127,634
Loans receivable, mortgage finance, at fair value	1,536,254	1,321,128
Loans receivable, installment, at fair value	123,354	0
Allowance for credit losses on loans and leases	(147,418)	(136,775)
Total loans and leases receivable, net of allowance for credit losses on loans and leases	15,232,019	14,311,987
FHLB, Federal Reserve Bank, and other restricted stock	100,590	96,214
Accrued interest receivable	101,481	108,351
Bank premises and equipment, net	5,978	6,668
Bank-owned life insurance	300,747	297,641
Other real estate owned	12,306	0
Goodwill and other intangibles	3,629	3,629
Other assets	527,044	481,395
Total assets	22,550,800	22,308,241
Deposits:
Demand, non-interest bearing	5,481,065	5,608,288
Interest bearing	13,494,953	13,238,173
Total deposits	18,976,018	18,846,461
FHLB advances	1,195,377	1,128,352
Other borrowings	99,138	99,068
Subordinated debt	182,649	182,509
Accrued interest payable and other liabilities	234,060	215,168
Total liabilities	20,687,242	20,471,558
Commitments and contingencies (NOTE 17)
Shareholders’ equity:
Preferred stock, par value $1.00 per share; liquidation preference $25.00 per share; 100,000,000 shares authorized, 3,400,000 and 5,700,000 shares issued and outstanding as of June 30, 2025 and December 31, 2024	82,201	137,794
Common stock, par value $1.00 per share; 200,000,000 shares authorized; 36,122,879 and 35,758,246 shares issued as of June 30, 2025 and December 31, 2024; 31,606,934 and 31,346,507 shares outstanding as of June 30, 2025 and December 31, 2024	36,123	35,758
Additional paid in capital	572,473	575,333
Retained earnings	1,391,380	1,326,011
Accumulated other comprehensive income (loss), net	(71,325)	(96,560)
Treasury stock, at cost (4,515,945 and 4,411,739 shares as of June 30, 2025 and December 31, 2024)	(147,294)	(141,653)
Total shareholders’ equity	1,863,558	1,836,683
Total liabilities and shareholders’ equity	$ 22,550,800	$ 22,308,241