CONSOLIDATED BALANCE SHEET — UNAUDITED - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
ASSETS
Cash and due from banks	$ 57,951	$ 56,787
Interest earning deposits	4,127,688	3,729,144
Cash and cash equivalents	4,185,639	3,785,931
Investment securities, at fair value (includes allowance for credit losses of $24,064 and $7,604, respectively)	2,010,820	2,019,694
Investment securities held to maturity	801,324	991,937
Loans held for sale (includes $2,469 and $163,891, respectively, at fair value)	30,897	204,794
Loans and leases receivable	14,673,636	13,127,634
Loans receivable, mortgage finance, at fair value	1,486,978	1,321,128
Loans receivable, installment, at fair value	111,636	0
Allowance for credit losses on loans and leases	(151,809)	(136,775)
Total loans and leases receivable, net of allowance for credit losses on loans and leases	16,120,441	14,311,987
FHLB, Federal Reserve Bank, and other restricted stock	103,290	96,214
Accrued interest receivable	106,379	108,351
Bank premises and equipment, net	15,340	6,668
Bank-owned life insurance	303,212	297,641
Other real estate owned	12,432	0
Goodwill and other intangibles	3,629	3,629
Other assets	566,760	481,395
Total assets	24,260,163	22,308,241
Deposits:
Demand, non-interest bearing	6,380,879	5,608,288
Interest bearing	14,024,144	13,238,173
Total deposits	20,405,023	18,846,461
FHLB advances	1,195,437	1,128,352
Other borrowings	99,173	99,068
Subordinated debt	182,718	182,509
Accrued interest payable and other liabilities	251,753	215,168
Total liabilities	22,134,104	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 September 30, 2025 and December 31, 2024	82,201	137,794
Common stock, par value $1.00 per share; 200,000,000 shares authorized; 36,161,203 and 35,758,246 shares issued as of September 30, 2025 and December 31, 2024; 34,163,506 and 31,346,507 shares outstanding as of September 30, 2025 and December 31, 2024	36,161	35,758
Additional paid in capital	662,252	575,333
Retained earnings	1,465,106	1,326,011
Accumulated other comprehensive income (loss), net	(51,089)	(96,560)
Treasury stock, at cost (1,997,697 and 4,411,739 shares as of September 30, 2025 and December 31, 2024)	(68,572)	(141,653)
Total shareholders’ equity	2,126,059	1,836,683
Total liabilities and shareholders’ equity	$ 24,260,163	$ 22,308,241