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Loans (Tables)
 9 Months Ended
Sep. 30, 2026
Receivables [Abstract]  
Loans
Loans were as follows:
September 30,
2026		December 31,
2025
Commercial and industrial$6,467,069 $6,306,980 
Energy:
Production719,688 767,724 
Service343,258 252,295 
Other87,147 74,650 
Total energy1,150,093 1,094,669 
Commercial real estate:
Owner occupied4,402,147 3,987,913 
Non-owner occupied4,218,556 3,773,028 
Construction and land2,757,013 2,549,869 
Total commercial real estate11,377,716 10,310,810 
Consumer real estate:
Home equity lines of credit1,182,123 1,068,393 
Home equity1,063,114 1,035,971 
1-4 family mortgage965,676 594,825 
Home improvement850,700 874,148 
Other131,766 145,331 
Total consumer real estate4,193,379 3,718,668 
Total real estate15,571,095 14,029,478 
Consumer and other468,710 460,685 
Total loans$23,656,967 $21,891,812 
Non-Accrual Loans, Segregated by Class of Loans
Non-accrual loans, segregated by class of loans, were as follows:
September 30, 2026December 31, 2025
Total Non-AccrualNon-Accrual with No Credit Loss AllowanceTotal Non-AccrualNon-Accrual with No Credit Loss Allowance
Commercial and industrial$20,688 $11,131 $50,659 $26,693 
Energy2,218 2,218 3,023 1,304 
Commercial real estate:
Owner occupied 11,838 9,039 7,581 4,782 
Non-owner occupied4,453 4,453 465 465 
Construction and land19,356 5,372 1,874 202 
Consumer real estate4,959 4,673 6,615 4,486 
Consumer and other192 171 265 184 
Total$63,704 $37,057 $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 September 30, 2026, by class and year of origination.
20262025202420232022PriorRevolving LoansRevolving Loans Converted to TermTotal
Commercial and industrial$156 $344 $2,327 $8,381 $1,071 $2,125 $3,154 $3,130 $20,688 
Energy— — 55 — — 1,304 859 — 2,218 
Commercial real estate:
Owner occupied1,138 2,690 — 1,228 3,024 3,264 494 — 11,838 
Non-owner occupied— — — 3,790 99 123 — 441 4,453 
Construction and land— 1,517 2,712 1,142 — 934 12,427 624 19,356 
Consumer real estate— 432 174 286 — 43 361 3,663 4,959 
Consumer and other— — 171 — — — 21 — 192 
Total$1,294 $4,983 $5,439 $14,827 $4,194 $7,793 $17,316 $7,858 $63,704 
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 September 30, 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$39,663 $25,569 $65,232 $6,401,837 $6,467,069 $11,051 
Energy5,076 2,218 7,294 1,142,799 1,150,093 — 
Commercial real estate:
Owner occupied11,514 17,012 28,526 4,373,621 4,402,147 7,771 
Non-owner occupied9,766 59,439 69,205 4,149,351 4,218,556 55,347 
Construction and land5,065 17,874 22,939 2,734,074 2,757,013 1,834 
Consumer real estate26,679 11,845 38,524 4,154,855 4,193,379 7,271 
Consumer and other8,418 689 9,107 459,603 468,710 518 
Total$106,181 $134,646 $240,827 $23,416,140 $23,656,967 $83,792 
Modification to Borrowers Experiencing Financial Difficulty The following table presents the period-end balance of loans to borrowers experiencing financial difficulty that were modified during the nine months ended September 30, 2026 and September 30, 2025, segregated by type of modification, regardless of whether the modifications resulted in new loans. There were no commitments to lend additional funds to these borrowers at September 30, 2026.
Payment
Delay		Percent of
Total Class
of Loans
September 30, 2026
Commercial real estate:
Non-owner occupied$54,939 1.3 %
$54,939 0.2 
September 30, 2025
Commercial and industrial$2,236 — %
Commercial real estate:
Construction and land1,772 0.1 
$4,008 — 
Financing Receivables, Modified Loans Past Due in Excess of 90 Days or on Non-Accrual Status, Charge-offs and Proceeds From Sales at Period-End
Information as of September 30, 2026 and September 30, 2025, related to loans modified (by type of modification) in the preceding twelve months, respectively, whereby the borrower was experiencing financial difficulty at the time of modification is set forth in the following table.
September 30, 2026September 30, 2025
Payment
Delay		Payment
Delay
Past due in excess of 90 days or on non-accrual status at period-end:
Commercial and industrial$— $3,286 
Commercial real estate:
Owner occupied— — 
Non-owner occupied54,939 — 
Construction and land— 1,772 
$54,939 $5,058 
Charge-offs during the period:
Commercial and industrial$— $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 September 30, 2026.
20262025202420232022PriorRevolving LoansRevolving Loans Converted to TermTotalW/A Risk Grade
Commercial and industrial
Risk grades 1-8$1,396,162 $941,156 $426,448 $181,554 $193,805 $436,471 $2,383,498 $39,466 $5,998,560 6.18 
Risk grade 943,651 26,519 24,017 4,189 1,839 31,967 46,199 7,052 185,433 9.00 
Risk grade 1012 440 17,889 1,165 1,864 315 144,847 9,311 175,843 10.00 
Risk grade 116,463 8,469 5,949 19,195 5,027 18,020 13,639 9,783 86,545 11.00 
Risk grade 1237 240 2,055 7,654 854 2,097 560 1,512 15,009 12.00 
Risk grade 13119 104 272 727 217 28 2,594 1,618 5,679 13.00 
$1,446,444 $976,928 $476,630 $214,484 $203,606 $488,898 $2,591,337 $68,742 $6,467,069 6.45 
W/A risk grade6.54 5.87 7.22 7.74 7.13 5.96 6.36 8.58 6.45 
Energy
Risk grades 1-8$223,455 $82,517 $59,712 $6,614 $30,267 $24,535 $647,272 $7,323 $1,081,695 5.85 
Risk grade 961 13,659 4,596 16 — — 1,270 4,268 23,870 9.00 
Risk grade 10— 13,661 615 — — — 23,705 679 38,660 10.00 
Risk grade 11— 164 — 1,242 1,898 — — 346 3,650 11.00 
Risk grade 12— — 55 — — 1,304 859 — 2,218 12.00 
Risk grade 13— — — — — — — — — 13.00 
$223,516 $110,001 $64,978 $7,872 $32,165 $25,839 $673,106 $12,616 $1,150,093 6.08 
W/A risk grade6.05 7.86 6.97 7.98 7.75 6.53 5.56 7.88 6.08 
20262025202420232022PriorRevolving LoansRevolving Loans Converted to TermTotalW/A Risk Grade
Commercial real estate:
Owner occupied
Risk grades 1-8$898,321 $674,959 $413,702 $418,076 $538,966 $927,095 $29,302 $149,633 $4,050,054 6.84 
Risk grade 910,438 48,295 9,402 15,291 18,264 38,993 645 12 141,340 9.00 
Risk grade 10737 1,837 4,177 13,838 56,225 7,185 — — 83,999 10.00 
Risk grade 111,985 2,082 3,127 27,510 44,369 32,377 — 3,466 114,916 11.00 
Risk grade 121,016 2,190 — 1,228 3,024 3,264 494 — 11,216 12.00 
Risk grade 13122 500 — — — — — — 622 13.00 
$912,619 $729,863 $430,408 $475,943 $660,848 $1,008,914 $30,441 $153,111 $4,402,147 7.09 
W/A risk grade7.03 7.08 6.94 7.36 7.50 7.15 6.50 4.91 7.09 
Non-owner occupied
Risk grades 1-8$1,069,424 $897,030 $512,378 $423,613 $344,047 $685,608 $100,880 $2,361 $4,035,341 7.01 
Risk grade 92,682 9,312 6,883 32,806 565 4,687 100 — 57,035 9.00 
Risk grade 101,442 — — 2,655 — 433 — — 4,530 10.00 
Risk grade 112,000 2,914 4,961 442 60,195 42,738 3,947 — 117,197 11.00 
Risk grade 12— — — 3,790 99 123 — 441 4,453 12.00 
Risk grade 13— — — — — — — — — 13.00 
$1,075,548 $909,256 $524,222 $463,306 $404,906 $733,589 $104,927 $2,802 $4,218,556 7.16 
W/A risk grade7.01 7.17 7.04 7.49 7.71 7.05 6.27 7.92 7.16 
Construction and land
Risk grades 1-8$612,239 $814,317 $586,526 $123,440 $27,020 $19,150 $205,655 $5,646 $2,393,993 7.53 
Risk grade 92,899 3,241 8,038 128,164 8,755 — — — 151,097 9.00 
Risk grade 10— 26,353 8,477 — 61,955 42,000 12,250 — 151,035 10.00 
Risk grade 11— 1,060 — 39,954 — 518 — — 41,532 11.00 
Risk grade 12— 1,517 2,712 1,142 — 712 11,527 333 17,943 12.00 
Risk grade 13— — — — — 222 900 291 1,413 13.00 
$615,138 $846,488 $605,753 $292,700 $97,730 $62,602 $230,332 $6,270 $2,757,013 7.83 
W/A risk grade7.50 7.53 7.76 8.75 9.11 9.13 7.90 8.44 7.83 
Total commercial real estate$2,603,305 $2,485,607 $1,560,383 $1,231,949 $1,163,484 $1,805,105 $365,700 $162,183 $11,377,716 7.29 
W/A risk grade7.14 7.27 7.29 7.74 7.71 7.18 7.32 5.10 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 September 30, 2026, was as follows:
20262025202420232022PriorRevolving LoansRevolving Loans Converted to TermTotal
Consumer real estate:
Past due 30-89 days$709 $1,044 $1,764 $2,874 $2,432 $3,825 $13,836 $195 $26,679 
Past due 90 or more days— 924 1,284 513 1,059 807 3,358 3,900 11,845 
Total past due709 1,968 3,048 3,387 3,491 4,632 17,194 4,095 38,524 
Current loans647,549 693,143 551,000 400,215 294,538 407,514 1,148,696 12,200 4,154,855 
Total$648,258 $695,111 $554,048 $403,602 $298,029 $412,146 $1,165,890 $16,295 $4,193,379 
Consumer and other:
Past due 30-89 days$3,484 $186 $134 $115 $72 $62 $3,362 $1,003 $8,418 
Past due 90 or more days304 3 5 — — 11 98 268 689 
Total past due3,788 189 139 115 72 73 3,460 1,271 9,107 
Current loans65,307 27,875 7,809 5,291 2,585 2,486 329,560 18,690 459,603 
Total$69,095 $28,064 $7,948 $5,406 $2,657 $2,559 $333,020 $19,961 $468,710 
Revolving Loans Converted to Term [Table Text Block]
Period-end balances for revolving loans that converted to term during the three and nine months ended September 30, 2026 and 2025 were as follows:
Three Months Ended
September 30,		Nine Months Ended
September 30,
2026202520262025
Commercial and industrial$6,182 $18,912 $17,771 $51,695 
Energy1,646 1,475 10,484 2,711 
Commercial real estate:
Owner occupied1,450 — 1,450 109,061 
Non-owner occupied— 374 117 374 
Construction and land— — — — 
Consumer real estate2,497 1,179 5,899 2,406 
Consumer and other1,053 2,433 4,784 8,228 
Total$12,828 $24,373 $40,505 $174,475 
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 September 30, 2026 and December 31, 2025.
September 30, 2026Commercial
and
Industrial		EnergyCommercial
Real Estate		Consumer
Real Estate		Consumer
and Other		Total
Modeled expected credit losses$47,901 $5,155 $18,657 $33,356 $5,943 $111,012 
Q-Factor and other qualitative adjustments35,739 2,891 126,940 1,167 4,558 171,295 
Specific allocations5,679 — 2,035 216 21 7,951 
Total$89,319 $8,046 $147,632 $34,739 $10,522 $290,258 
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 and nine months ended September 30, 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:
September 30, 2026
Beginning balance$91,420 $9,407 $142,505 $29,146 $11,234 $283,712 
Credit loss expense (benefit)(763)(1,603)5,126 7,460 4,690 14,910 
Charge-offs(2,585)— — (2,195)(8,538)(13,318)
Recoveries1,247 242 1 328 3,136 4,954 
Net (charge-offs) recoveries(1,338)242 1 (1,867)(5,402)(8,364)
Ending balance$89,319 $8,046 $147,632 $34,739 $10,522 $290,258 
September 30, 2025
Beginning balance$95,484 $10,389 $140,923 $21,707 $9,300 $277,803 
Credit loss expense (benefit)2,669 (2,343)86 3,115 5,480 9,007 
Charge-offs(2,742)— — (1,849)(7,022)(11,613)
Recoveries1,256 353 6 386 3,023 5,024 
Net (charge-offs) recoveries(1,486)353 6 (1,463)(3,999)(6,589)
Ending balance$96,667 $8,399 $141,015 $23,359 $10,781 $280,221 
Commercial
and
Industrial		EnergyCommercial
Real Estate		Consumer
Real Estate		Consumer
and Other		Total
Nine months ended:
September 30, 2026
Beginning balance$98,439 $11,563 $135,110 $25,637 $10,746 $281,495 
Credit loss expense (benefit)(3,952)(4,100)14,616 13,800 12,031 32,395 
Charge-offs(8,638)(17)(2,103)(5,871)(21,634)(38,263)
Recoveries3,470 600 9 1,173 9,379 14,631 
Net (charge-offs) recoveries(5,168)583 (2,094)(4,698)(12,255)(23,632)
Ending balance$89,319 $8,046 $147,632 $34,739 $10,522 $290,258 
September 30, 2025
Beginning balance$87,569 $9,992 $143,205 $19,106 $10,279 $270,151 
Credit loss expense (benefit)17,165 (2,428)2,439 7,365 12,960 37,501 
Charge-offs(11,241)(52)(4,639)(4,099)(21,156)(41,187)
Recoveries3,174 887 10 987 8,698 13,756 
Net (charge-offs) recoveries(8,067)835 (4,629)(3,112)(12,458)(27,431)
Ending balance$96,667 $8,399 $141,015 $23,359 $10,781 $280,221 
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 September 30, 2026.
20262025202420232022PriorRevolving LoansRevolving Loans Converted to TermTotal
Commercial and industrial$162 $738 $727 $880 $532 $187 $3,367 $2,045 $8,638 
Energy— — — — — — — 17 17 
Commercial real estate:
Owner occupied— 37 — — 258 1,754 — — 2,049 
Non-owner occupied— — — — — — — — — 
Construction and land— — — — — 20 — 34 54 
Consumer real estate— — 431 1,291 1,101 503 2,545 — 5,871 
Consumer and other15,343 3,837 152 20 54 10 1,616 602 21,634 
Total$15,505 $4,612 $1,310 $2,191 $1,945 $2,474 $7,528 $2,698 $38,263 
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 September 30, 2026 and December 31, 2025.
September 30, 2026December 31, 2025
Loan
Balance		Specific AllocationsLoan
Balance		Specific Allocations
Commercial and industrial$18,129 $5,679 $48,456 $16,619 
Energy2,163 — 3,023 700 
Commercial real estate:
Owner occupied11,429 622 7,069 722 
Non-owner occupied4,231 — 466 — 
Construction and land19,357 1,413 1,672 513 
Consumer real estate3,949 216 6,140 637 
Consumer and other21 21 81 81 
Total$59,279 $7,951 $66,907 $19,272