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Loans (Tables)
 3 Months Ended
Mar. 31, 2026
Receivables [Abstract]  
Loans
Loans were as follows:
March 31,
2026		December 31,
2025
Commercial and industrial$6,333,349 $6,306,980 
Energy:
Production787,371 767,724 
Service287,823 252,295 
Other132,876 74,650 
Total energy1,208,070 1,094,669 
Commercial real estate:
Owner occupied4,159,240 3,987,913 
Non-owner occupied3,747,762 3,773,028 
Construction and land2,650,291 2,549,869 
Total commercial real estate10,557,293 10,310,810 
Consumer real estate:
Home equity lines of credit1,104,492 1,068,393 
Home equity loans1,044,913 1,035,971 
Home improvement loans872,468 874,148 
1-4 family mortgage loans718,966 594,825 
Other139,765 145,331 
Total consumer real estate3,880,604 3,718,668 
Total real estate14,437,897 14,029,478 
Consumer and other453,103 460,685 
Total loans$22,432,419 $21,891,812 
Non-Accrual Loans, Segregated by Class of Loans
Non-accrual loans, segregated by class of loans, were as follows:
March 31, 2026December 31, 2025
Total Non-AccrualNon-Accrual with No Credit Loss AllowanceTotal Non-AccrualNon-Accrual with No Credit Loss Allowance
Commercial and industrial$45,005 $20,848 $50,659 $26,693 
Energy2,523 1,303 3,023 1,304 
Commercial real estate:
Owner occupied 13,764 10,965 7,581 4,782 
Non-owner occupied580 580 465 465 
Construction and land2,407 785 1,874 202 
Consumer real estate7,811 4,331 6,615 4,486 
Consumer and other260 179 265 184 
Total$72,350 $38,991 $70,482 $38,116 
Financing Receivable, Non-Accrual Loans, Segregated by Class of Loan and Year of Origination
The following table presents non-accrual loans as of March 31, 2026, by class and year of origination.
20262025202420232022PriorRevolving LoansRevolving Loans Converted to TermTotal
Commercial and industrial$9,071 $855 $2,740 $8,802 $2,049 $2,428 $16,761 $2,299 $45,005 
Energy— — — — — 1,304 1,219 — 2,523 
Commercial real estate:
Owner occupied— 2,935 — 858 5,231 4,246 494 — 13,764 
Non-owner occupied— — — — — 140 — 440 580 
Construction and land— — 587 — — 1,132 — 688 2,407 
Consumer real estate— — — 1,141 — 2,200 808 3,662 7,811 
Consumer and other— — 179 — — — 81 — 260 
Total$9,071 $3,790 $3,506 $10,801 $7,280 $11,450 $19,363 $7,089 $72,350 
Age Analysis of Past Due Loans, Segregated by Class of Loans
An age analysis of past due loans (including both accruing and non-accruing loans), segregated by class of loans, as of March 31, 2026, was as follows:
Loans
30-89 Days
Past Due		Loans
90 or More
Days
Past Due		Total
Past Due
Loans		Current
Loans		Total
Loans		Accruing
Loans 90 or
More Days
Past Due
Commercial and industrial$23,366 $18,877 $42,243 $6,291,106 $6,333,349 $4,423 
Energy1,443 2,523 3,966 1,204,104 1,208,070 — 
Commercial real estate:
Owner occupied15,553 8,233 23,786 4,135,454 4,159,240 3,382 
Non-owner occupied4,662 2,094 6,756 3,741,006 3,747,762 1,654 
Construction and land47,321 2,304 49,625 2,600,666 2,650,291 — 
Consumer real estate28,600 13,828 42,428 3,838,176 3,880,604 6,123 
Consumer and other6,614 568 7,182 445,921 453,103 308 
Total$127,559 $48,427 $175,986 $22,256,433 $22,432,419 $15,890 
Modification to Borrowers Experiencing Financial Difficulty The period-end balance of loan modifications, segregated by type of modification, to borrowers experiencing financial difficulty during the three months ended March 31, 2025 are set forth in the table below, regardless of whether such modifications resulted in a new loan. There were no commitments to lend additional funds to these borrowers at March 31, 2026.
Payment
Delay		Percent of
Total Class
of Loans
March 31, 2025
Commercial and industrial$4,385 0.1 %
Commercial real estate:
Construction and land1,946 0.1 
$6,331 — 
Financing Receivables, Modified Loans Past Due in Excess of 90 Days or on Non-Accrual Status, Charge-offs and Proceeds From Sales at Period-End
Information as of March 31, 2026 and March 31, 2025, related to loans modified (by type of modification) in the preceding twelve months, respectively, whereby the borrower was experiencing financial difficulty at the time of modification is set forth in the following table.
March 31, 2026March 31, 2025
Payment
Delay		Combination: Payment Delay and Term ExtensionPayment
Delay		Combination: Payment Delay and Term Extension
Past due in excess of 90 days or on non-accrual status at period-end:
Commercial and industrial$— $— $4,941 $19,347 
Commercial real estate:
Construction and land1,622 — 1,946 — 
$1,622 $— $6,887 $19,347 
Charge-offs during the period:
Commercial and industrial$— $— $1,108 $— 
Weighted Average Risk Grades for All Commercial Loans by Class and Year of Origination The following table presents weighted-average risk grades for all commercial loans, by class and year of origination/renewal, as of March 31, 2026.
20262025202420232022PriorRevolving LoansRevolving Loans Converted to TermTotalW/A Risk Grade
Commercial and industrial
Risk grades 1-8$835,194 $1,107,994 $532,878 $256,248 $259,190 $505,938 $2,222,255 $39,821 $5,759,518 6.15 
Risk grade 935,192 25,962 28,206 4,228 4,307 34,923 78,274 14,715 225,807 9.00 
Risk grade 108,053 408 15,124 4,459 9,492 9,664 148,791 12,006 207,997 10.00 
Risk grade 111,935 8,687 13,325 19,035 6,580 14,530 17,807 13,123 95,022 11.00 
Risk grade 129,071 386 2,267 7,934 1,498 2,400 5,148 1,642 30,346 12.00 
Risk grade 13— 469 473 868 551 28 11,613 657 14,659 13.00 
$889,445 $1,143,906 $592,273 $292,772 $281,618 $567,483 $2,483,888 $81,964 $6,333,349 6.49 
W/A risk grade6.24 5.87 7.19 7.55 7.24 6.16 6.50 8.68 6.49 
Energy
Risk grades 1-8$227,012 $120,971 $68,302 $8,561 $31,534 $13,353 $604,337 $11,078 $1,085,148 5.75 
Risk grade 967 1,228 22,342 22 — — 15,686 141 39,486 9.00 
Risk grade 10— 15,945 — — 568 1,880 55,800 1,986 76,179 10.00 
Risk grade 11— 184 — 1,284 2,856 — — 410 4,734 11.00 
Risk grade 12— — — — — 1,304 519 — 1,823 12.00 
Risk grade 13— — — — — — 700 — 700 13.00 
$227,079 $138,328 $90,644 $9,867 $34,958 $16,537 $677,042 $13,615 $1,208,070 6.16 
W/A risk grade5.70 7.43 7.04 7.88 7.85 5.64 5.81 7.92 6.16 
Commercial real estate:
Owner occupied
Risk grades 1-8$340,504 $693,775 $418,770 $446,767 $637,998 $1,075,278 $36,615 $151,908 $3,801,615 6.81 
Risk grade 92,264 33,508 6,940 23,076 27,012 50,478 — 427 143,705 9.00 
Risk grade 10— 1,853 6,783 13,577 58,488 7,381 — — 88,082 10.00 
Risk grade 111,069 3,151 1,337 17,645 44,985 40,283 — 3,604 112,074 11.00 
Risk grade 12— 2,335 — 858 5,231 4,124 494 — 13,042 12.00 
Risk grade 13— 600 — — — 122 — — 722 13.00 
$343,837 $735,222 $433,830 $501,923 $773,714 $1,177,666 $37,109 $155,939 $4,159,240 7.08 
W/A risk grade6.85 7.00 7.04 7.30 7.44 7.22 6.28 4.90 7.08 
20262025202420232022PriorRevolving LoansRevolving Loans Converted to TermTotalW/A Risk Grade
Non-owner occupied
Risk grades 1-8$208,128 $919,567 $530,172 $453,921 $510,023 $786,768 $100,516 $20,765 $3,529,860 6.98 
Risk grade 9797 237 30,458 22,812 12,909 22,576 100 — 89,889 9.00 
Risk grade 10— 592 — 2,676 58,050 41,668 — — 102,986 10.00 
Risk grade 11— 3,342 8,318 4,126 2,119 2,594 3,948 — 24,447 11.00 
Risk grade 12— — — — — 140 — 440 580 12.00 
Risk grade 13— — — — — — — — — 13.00 
$208,925 $923,738 $568,948 $483,535 $583,101 $853,746 $104,564 $21,205 $3,747,762 7.14 
W/A risk grade7.52 7.08 7.09 7.30 7.45 7.01 6.08 6.26 7.14 
Construction and land
Risk grades 1-8$146,945 $723,302 $724,412 $297,512 $215,696 $64,614 $164,935 $10,768 $2,348,184 7.58 
Risk grade 96,289 31,845 3,485 69,380 1,646 — 1,305 — 113,950 9.00 
Risk grade 1018,046 8,116 8,507 4,878 53,929 38,474 12,250 — 144,200 10.00 
Risk grade 11— — — 40,926 — 532 — 92 41,550 11.00 
Risk grade 12— — 587 — — 910 — 397 1,894 12.00 
Risk grade 13— — — — — 222 — 291 513 13.00 
$171,280 $763,263 $736,991 $412,696 $271,271 $104,752 $178,490 $11,548 $2,650,291 7.83 
W/A risk grade7.40 7.52 7.68 8.26 8.38 8.55 7.95 7.32 7.83 
Total commercial real estate$724,042 $2,422,223 $1,739,769 $1,398,154 $1,628,086 $2,136,164 $320,163 $188,692 $10,557,293 7.29 
W/A risk grade7.17 7.20 7.33 7.58 7.60 7.20 7.14 5.20 7.29 
Weighted Average Risk Grades for All Commercial Loans by Class
The following tables present weighted average risk grades for all commercial loans by class as of December 31, 2025. Refer to our 2025 Form 10-K for details of these loans by year of origination/renewal.
Commercial Real Estate
Commercial and IndustrialEnergyOwner
Occupied		Non-owner
Occupied		Construction
and Land		Total Commercial Real Estate
W/A Risk GradeLoansW/A Risk GradeLoansW/A Risk GradeLoansW/A Risk GradeLoansW/A Risk GradeLoansW/A Risk GradeLoans
Risk grades 1-86.06 $5,663,146 5.86 $1,010,179 6.77 $3,608,005 6.96 $3,494,323 7.61 $2,319,413 7.05 $9,421,741 
Risk grade 99.00 384,532 9.00 35,392 9.00 163,132 9.00 75,560 9.00 127,496 9.00 366,188 
Risk grade 1010.00 94,182 10.00 40,813 10.00 64,117 10.00 143,606 10.00 88,400 10.00 296,123 
Risk grade 1111.00 114,461 11.00 5,262 11.00 145,078 11.00 59,074 11.00 12,686 11.00 216,838 
Risk grade 1212.00 34,041 12.00 2,323 12.00 6,859 12.00 465 12.00 1,361 12.00 8,685 
Risk grade 1313.00 16,618 13.00 700 13.00 722 13.00 — 13.00 513 13.00 1,235 
Total6.44 $6,306,980 6.16 $1,094,669 7.08 $3,987,913 7.18 $3,773,028 7.78 $2,549,869 7.29 $10,310,810 
Age analysis of Past Due Consumer Loans by Class and Year of Origination
Information about the payment status of consumer loans, segregated by portfolio segment and year of origination, as of March 31, 2026, was as follows:
20262025202420232022PriorRevolving LoansRevolving Loans Converted to TermTotal
Consumer real estate:
Past due 30-89 days$750 $1,164 $4,168 $4,661 $2,434 $4,726 $10,472 $225 $28,600 
Past due 90 or more days— — 78 1,696 1,097 2,934 4,182 3,841 13,828 
Total past due750 1,164 4,246 6,357 3,531 7,660 14,654 4,066 42,428 
Current loans205,061 736,550 603,237 437,435 324,128 445,927 1,076,104 9,734 3,838,176 
Total$205,811 $737,714 $607,483 $443,792 $327,659 $453,587 $1,090,758 $13,800 $3,880,604 
Consumer and other:
Past due 30-89 days$2,877 $400 $192 $186 $43 $101 $2,230 $585 $6,614 
Past due 90 or more days158 14 — — 49 — 168 179 568 
Total past due3,035 414 192 186 92 101 2,398 764 7,182 
Current loans24,689 46,230 13,996 7,730 4,011 2,999 323,848 22,418 445,921 
Total$27,724 $46,644 $14,188 $7,916 $4,103 $3,100 $326,246 $23,182 $453,103 
Revolving Loans Converted to Term [Table Text Block]
Period-end balances for revolving loans that converted to term during the three months ended March 31, 2026 and 2025 were as follows:
Three Months Ended
March 31,
20262025
Commercial and industrial$10,291 $28,429 
Energy8,952 46 
Commercial real estate:
Owner occupied— 55,054 
Non-owner occupied117 — 
Construction and land— — 
Consumer real estate1,788 599 
Consumer and other2,550 3,793 
Total$23,698 $87,921 
Financing Receivable, Allowance for Credit Loss By Loan Class Calculated in Accordance With CECL Methodology
The following table presents details of the allowance for credit losses on loans segregated by loan portfolio segment as of March 31, 2026 and December 31, 2025.
March 31, 2026Commercial
and
Industrial		EnergyCommercial
Real Estate		Consumer
Real Estate		Consumer
and Other		Total
Modeled expected credit losses$51,858 $7,135 $19,341 $23,284 $5,624 $107,242 
Q-Factor and other qualitative adjustments32,371 3,247 117,466 2,682 5,104 160,870 
Specific allocations14,659 700 1,235 1,428 81 18,103 
Total$98,888 $11,082 $138,042 $27,394 $10,809 $286,215 
December 31, 2025
Modeled expected credit losses$56,114 $7,215 $17,018 $24,390 $5,315 $110,052 
Q-Factor and other qualitative adjustments25,706 3,648 116,857 610 5,350 152,171 
Specific allocations
16,619 700 1,235 637 81 19,272 
Total$98,439 $11,563 $135,110 $25,637 $10,746 $281,495 
Activity in Allowance for Loan Losses by Portfolio Segment
The following table details activity in the allowance for credit losses on loans by portfolio segment for the three months ended March 31, 2026 and 2025. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
Commercial
and
Industrial		EnergyCommercial
Real Estate		Consumer
Real Estate		Consumer
and Other		Total
Three months ended:
March 31, 2026
Beginning balance$98,439 $11,563 $135,110 $25,637 $10,746 $281,495 
Credit loss expense (benefit)2,479 (749)2,927 2,712 3,092 10,461 
Charge-offs(3,697)— — (1,252)(6,370)(11,319)
Recoveries1,667 268 5 297 3,341 5,578 
Net (charge-offs) recoveries(2,030)268 5 (955)(3,029)(5,741)
Ending balance$98,888 $11,082 $138,042 $27,394 $10,809 $286,215 
March 31, 2025
Beginning balance$87,569 $9,992 $143,205 $19,106 $10,279 $270,151 
Credit loss expense (benefit)10,181 (38)1,970 429 2,486 15,028 
Charge-offs(4,336)(52)(2,000)(958)(6,844)(14,190)
Recoveries893 354 2 347 2,903 4,499 
Net (charge-offs) recoveries(3,443)302 (1,998)(611)(3,941)(9,691)
Ending balance$94,307 $10,256 $143,177 $18,924 $8,824 $275,488 
Financing Receivable, Gross Charge-Offs By Year of Origination
The following table presents year-to-date gross charge-offs by year of origination as of March 31, 2026.
20262025202420232022PriorRevolving LoansRevolving Loans Converted to TermTotal
Commercial and industrial$— $140 $105 $142 $11 $174 $2,843 $282 $3,697 
Energy— — — — — — — — — 
Commercial real estate:
Owner occupied— — — — — — — — — 
Non-owner occupied— — — — — — — — — 
Construction and land— — — — — — — — — 
Consumer real estate— — 167 272 46 89 678 — 1,252 
Consumer and other1,862 3,786 85 12 2 — 431 192 6,370 
Total$1,862 $3,926 $357 $426 $59 $263 $3,952 $474 $11,319 
Investment in Loans Related to Allowance for Loan Losses by Portfolio Segment Disaggregated Based on Impairment Methodology
The following table presents loans that were evaluated for expected credit losses on an individual basis and the related specific allocations, by loan portfolio segment, as of March 31, 2026 and December 31, 2025.
March 31, 2026December 31, 2025
Loan
Balance		Specific AllocationsLoan
Balance		Specific Allocations
Commercial and industrial$42,236 $14,659 $48,456 $16,619 
Energy2,523 700 3,023 700 
Commercial real estate:
Owner occupied13,297 722 7,069 722 
Non-owner occupied440 — 466 — 
Construction2,209 513 1,672 513 
Consumer real estate7,144 1,428 6,140 637 
Consumer and other81 81 81 81 
Total$67,930 $18,103 $66,907 $19,272