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Commitments and Contingencies
 9 Months Ended
Sep. 30, 2026
Commitments and Contingencies Disclosure [Abstract]  
Commitments Contingencies and Guarantees Off-Balance-Sheet Arrangements, Commitments, Guarantees and Contingencies
Financial Instruments with Off-Balance-Sheet Risk. In the normal course of business, we enter into various transactions to meet the financing needs of our customers that, in accordance with generally accepted accounting principles in the United States, are not recognized in our consolidated balance sheets. As more fully discussed in our 2025 Form 10-K, these transactions include commitments to extend credit and standby letters of credit, which involve, to varying degrees, elements of credit risk and interest rate risk in excess of amounts recognized in the consolidated balance sheets. We manage the credit risk associated with these commitments through credit approval and monitoring procedures.
Financial instruments with off-balance-sheet risk were as follows:
September 30,
2026		December 31,
2025
Commitments to extend credit$12,773,085 $12,473,653 
Standby letters of credit435,506 394,714 
Deferred standby letter of credit fees3,368 2,740 
Allowance For Credit Losses - Off-Balance-Sheet Credit Exposures. The allowance for credit losses on off-balance-sheet credit exposures is a liability account, calculated in accordance with ASC 326, representing lifetime expected credit losses over the contractual periods for which we are exposed to credit risk resulting from contractual obligations to extend credit. No allowance is recognized if we have the unconditional right to cancel the obligation. Off-balance-sheet credit exposures primarily consist of amounts available under outstanding lines of credit and letters of credit, as presented in the table above. The allowance is determined based on available information from internal and external sources, including historical credit loss experience, current conditions, reasonable and supportable forecasts, and the probability that commitments will be funded over their contractual terms. Our allowance methodology is more fully described in our 2025 Form 10-K.
The following table presents activity in the allowance for credit losses on off-balance-sheet credit exposures.
Three Months Ended
September 30,		Nine Months Ended
September 30,
2026202520262025
Beginning balance$50,325 $49,609 $51,298 $51,904 
Credit loss expense (benefit)(2,820)(2,418)(3,793)(4,713)
Ending balance$47,505 $47,191 $47,505 $47,191 
Lease Commitments. We lease certain office facilities and office equipment under operating leases. The components of total lease expense were as follows:
Three Months Ended
September 30,		Nine Months Ended
September 30,
2026202520262025
Amortization of lease right-of-use assets$9,256 $9,120 $27,654 $27,246 
Short-term lease expense624 154 1,735 727 
Non-lease components (including taxes, insurance, common maintenance, etc.)3,534 3,415 11,253 11,051 
Total$13,414 $12,689 $40,642 $39,024 
Right-of-use lease assets totaled $249.5 million at September 30, 2026 and $259.2 million at December 31, 2025, and are reported as a component of premises and equipment on our accompanying consolidated balance sheets. The related lease liabilities totaled $286.1 million at September 30, 2026 and $296.4 million at December 31, 2025, and are reported as a component of accrued interest payable and other liabilities on our accompanying consolidated balance sheets. Lease payments under operating leases that were applied to our operating lease liability totaled $9.6 million and $28.4 million during the three and nine months ended September 30, 2026, respectively, and $9.4 million and $27.8 million during the three and nine months ended September 30, 2025, respectively. There has been no material change in our expected future minimum lease payments since December 31, 2025. See the 2025 Form 10-K for information regarding these commitments.
Litigation. We are subject to various claims and legal actions that have arisen in the ordinary course of conducting business. Management does not expect the ultimate disposition of these matters to have a material adverse impact on our consolidated financial statements.