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Loans (Tables)
 3 Months Ended
Mar. 31, 2025
Receivables [Abstract]  
Schedule of Portfolio Loans, Purchased Credit Impaired Loans and Purchased Unimpaired Loans
The following tables present net loan balances by segment for portfolio loans, PCD and loans purchased which are not considered credit deteriorated (“Non-PCD”) as of:

 March 31, 2025
(In thousands)Portfolio LoansAcquired Non-PCD LoansPCD LoansTotal
Construction and land development$559,883 $58,076 $534 $618,493 
Commercial real estate - owner occupied1,222,670 461,936 28,973 1,713,579 
Commercial real estate - non-owner occupied2,329,640 1,091,992 91,768 3,513,400 
Residential real estate1,934,625 704,205 14,182 2,653,012 
Commercial and financial1,551,312 181,145 20,633 1,753,090 
Consumer154,402 36,846 199 191,447 
Totals$7,752,532 $2,534,200 $156,289 $10,443,021 
 December 31, 2024
(In thousands)Portfolio LoansAcquired Non-PCD LoansPCD LoansTotal
Construction and land development$568,148 $79,370 $535 $648,053 
Commercial real estate - owner occupied1,177,538 477,459 31,632 1,686,629 
Commercial real estate - non-owner occupied2,243,056 1,156,849 103,903 3,503,808 
Residential real estate1,882,955 719,589 14,241 2,616,785 
Commercial and financial1,424,689 199,146 27,519 1,651,354 
Consumer155,786 37,282 253 193,321 
Totals$7,452,172 $2,669,695 $178,083 $10,299,950 
Schedule of Past Due Financing Receivables
The following tables present the status of net loan balances as of March 31, 2025 and December 31, 2024.
 March 31, 2025
(In thousands)CurrentAccruing
30-59 Days
Past Due		Accruing
60-89 Days
Past Due		Accruing
Greater
Than
90 Days		NonaccrualTotal
Portfolio Loans      
Construction and land development$557,384 $2,396 $— $— $103 $559,883 
Commercial real estate - owner occupied1,214,804 5,723 — — 2,143 1,222,670 
Commercial real estate - non-owner occupied2,316,118 594 — — 12,928 2,329,640 
Residential real estate1,923,523 3,135 722 — 7,245 1,934,625 
Commercial and financial1,539,318 1,088 167 — 10,739 1,551,312 
Consumer153,068 617 — — 717 154,402 
Total Portfolio Loans$7,704,215 $13,553 $889 $— $33,875 $7,752,532 
Acquired Non-PCD Loans
Construction and land development$57,295 $168 $30 $64 $519 $58,076 
Commercial real estate - owner occupied457,542 702 — — 3,692 461,936 
Commercial real estate - non-owner occupied1,089,164 63 — — 2,765 1,091,992 
Residential real estate693,088 892 129 — 10,096 704,205 
Commercial and financial177,773 — — — 3,372 181,145 
Consumer33,510 6 — — 3,330 36,846 
 Total Acquired Non-PCD Loans$2,508,372 $1,831 $159 $64 $23,774 $2,534,200 
PCD Loans
Construction and land development$42 $— $— $— $492 $534 
Commercial real estate - owner occupied27,188 — — — 1,785 28,973 
Commercial real estate - non-owner occupied84,579 525 — — 6,664 91,768 
Residential real estate13,319 — 167 — 696 14,182 
Commercial and financial16,926 — — — 3,707 20,633 
Consumer174 — — — 25 199 
Total PCD Loans$142,228 $525 $167 $— $13,369 $156,289 
Total Loans$10,354,815 $15,909 $1,215 $64 $71,018 $10,443,021 
 
 December 31, 2024
(In thousands)CurrentAccruing
30-59 Days
Past Due		Accruing
60-89 Days
Past Due		Accruing
Greater
Than
90 Days		NonaccrualTotal
Portfolio Loans      
Construction and land development$567,896 $127 $— $— $125 $568,148 
Commercial real estate - owner occupied1,172,287 3,083 — — 2,168 1,177,538 
Commercial real estate - non-owner occupied2,225,216 833 — — 17,007 2,243,056 
Residential real estate1,866,295 5,466 450 — 10,744 1,882,955 
Commercial and financial1,411,623 1,075 106 — 11,885 1,424,689 
Consumer152,129 331 5 — 3,321 155,786 
 Total Portfolio Loans$7,395,446 $10,915 $561 $— $45,250 $7,452,172 
Acquired Non-PCD Loans
Construction and land development$78,728 $8 $99 $— $535 $79,370 
Commercial real estate - owner occupied473,118 2,414 — — 1,927 477,459 
Commercial real estate - non-owner occupied1,151,541 148 — — 5,160 1,156,849 
Residential real estate706,566 1,064 131 — 11,828 719,589 
Commercial and financial195,853 — — 35 3,258 199,146 
Consumer32,375 11 1 — 4,895 37,282 
 Total Acquired Non-PCD Loans$2,638,181 $3,645 $231 $35 $27,603 $2,669,695 
PCD Loans
Construction and land development$43 $— $— $— $492 $535 
Commercial real estate - owner occupied26,987 — — — 4,645 31,632 
Commercial real estate - non-owner occupied96,188 — — — 7,715 103,903 
Residential real estate12,752 — — 167 1,322 14,241 
Commercial and financial22,153 — — — 5,366 27,519 
Consumer200 — — — 53 253 
 Total PCD Loans$158,323 $— $— $167 $19,593 $178,083 
Total Loans$10,191,950 $14,560 $792 $202 $92,446 $10,299,950 
Schedule of Nonaccrual Loans by Loan Category
The following tables present net balances of loans on nonaccrual status as of:
March 31, 2025
(In thousands)Nonaccrual Loans With No Related AllowanceNonaccrual Loans With an AllowanceTotal Nonaccrual Loans
Construction and land development$492 $622 $1,114 
Commercial real estate - owner occupied— 7,620 7,620 
Commercial real estate - non-owner occupied21,426 931 22,357 
Residential real estate5,570 12,467 18,037 
Commercial and financial2,713 15,105 17,818 
Consumer— 4,072 4,072 
Totals $30,201 $40,817 $71,018 
December 31, 2024
(In thousands)Nonaccrual Loans With No Related AllowanceNonaccrual Loans With an AllowanceTotal Nonaccrual Loans
Construction and land development$492 $660 $1,152 
Commercial real estate - owner occupied2,622 6,118 8,740 
Commercial real estate - non-owner occupied29,449 433 29,882 
Residential real estate6,462 17,432 23,894 
Commercial and financial2,703 17,806 20,509 
Consumer2,416 5,853 8,269 
Totals$44,144 $48,302 $92,446 
Schedule of Risk Categories of Loans by Class of Loans
The following tables present the risk rating of loans and year-to-date1 gross charge offs by year of origination as of:
March 31, 2025
(In thousands)20252024202320222021PriorRevolvingTotal
Construction and Land Development
Risk Ratings:
Pass$7,367 $143,531 $165,481 $96,279 $39,060 $45,935 $112,792 $610,445 
Special Mention— — 6,212 — — 658 — 6,870 
Substandard— — — 154 87 937 — 1,178 
Doubtful— — — — — — — — 
Total$7,367 $143,531 $171,693 $96,433 $39,147 $47,530 $112,792 $618,493 
Gross Charge Offs$— $— $— $— $— $— $— $— 
Commercial real estate - owner occupied
Risk Ratings:
Pass$51,751 $182,890 $142,750 $256,132 $250,906 $752,667 $17,004 $1,654,100 
Special Mention— — 12,696 82 751 19,030 — 32,559 
Substandard— 87 1,055 5,727 374 19,276 401 26,920 
Doubtful— — — — — — — — 
Total$51,751 $182,977 $156,501 $261,941 $252,031 $790,973 $17,405 $1,713,579 
Gross Charge Offs$— $— $— $— $— $— $— $— 
Commercial real estate - non-owner occupied
Risk Ratings:
Pass$63,479 $493,178 $212,315 $845,590 $563,482 $1,203,624 $20,077 $3,401,745 
Special Mention— 26 2,957 616 7,234 18,214 — 29,047 
Substandard— — — 29,546 17,847 35,004 — 82,397 
Doubtful— — — — 211 — — 211 
Total$63,479 $493,204 $215,272 $875,752 $588,774 $1,256,842 $20,077 $3,513,400 
Gross Charge Offs$— $— $— $— $— $320 $— $320 
Residential real estate
Risk Ratings:
Pass$48,840 $178,525 $171,920 $492,408 $621,781 $584,241 $533,777 $2,631,492 
Special Mention— — 17 — 704 296 1,904 2,921 
Substandard— 636 1,224 4,999 1,397 4,196 6,147 18,599 
Doubtful— — — — — — — — 
Total$48,840 $179,161 $173,161 $497,407 $623,882 $588,733 $541,828 $2,653,012 
Gross Charge Offs$— $— $— $— $— $1 $— $1 
Commercial and financial
Risk Ratings:
Pass$161,208 $373,240 $160,168 $237,004 $213,537 $175,905 $385,449 $1,706,511 
Special Mention— — 797 952 7,257 1,867 4,268 15,141 
Substandard— — 108 7,272 8,231 11,552 3,377 30,540 
Doubtful— — — — — — 898 898 
Total$161,208 $373,240 $161,073 $245,228 $229,025 $189,324 $393,992 $1,753,090 
Gross Charge Offs$— $— $— $153 $747 $5,187 $382 $6,469 
Consumer
Risk Ratings:
Pass$3,798 $15,217 $12,444 $24,567 $18,705 $40,239 $72,330 $187,300 
Special Mention— — — — — 48 48 
Substandard— 25 13 3,423 5 613 20 4,099 
Doubtful— — — — — — — — 
Total$3,798 $15,242 $12,457 $27,990 $18,710 $40,852 $72,398 $191,447 
Gross Charge Offs$165 $61 $7 $1,160 $43 $28 $23 $1,487 
Consolidated
Total$336,443 $1,387,355 $890,157 $2,004,751 $1,751,569 $2,914,254 $1,158,492 $10,443,021 
Gross Charge Offs$165 $61 $7 $1,313 $790 $5,536 $405 $8,277 
1 Represents gross charge-offs for the three months ending March 31, 2025.
December 31, 2024
(In thousands)20242023202220212020PriorRevolvingTotal
Construction and Land Development
Risk Ratings:
Pass$113,993 $160,801 $161,122 $39,276 $8,547 $36,342 $126,659 $646,740 
Special Mention— — — — — 75 — 75 
Substandard— — 183 90 — 965 — 1,238 
Doubtful— — — — — — — — 
Total$113,993 $160,801 $161,305 $39,366 $8,547 $37,382 $126,659 $648,053 
Gross Charge Offs$— $— $— $— $— $1 $— $1 
Commercial real estate - owner occupied
Risk Ratings:
Pass$184,312 $139,197 $260,266 $257,711 $153,702 $628,391 $20,674 $1,644,253 
Special Mention— — 4,975 2,344 2,418 7,965 1 17,703 
Substandard89 1,061 2,821 377 5,870 14,106 349 24,673 
Doubtful— — — — — — — — 
Total$184,401 $140,258 $268,062 $260,432 $161,990 $650,462 $21,024 $1,686,629 
Gross Charge Offs$— $— $179 $— $— $162 $— $341 
Commercial real estate - non-owner occupied
Risk Ratings:
Pass$495,361 $236,306 $820,739 $581,892 $237,777 $1,012,209 $24,752 $3,409,036 
Special Mention27 — 4,773 1,269 5,265 25,245 — 36,579 
Substandard— — 10,462 10,684 16,437 20,610 — 58,193 
Doubtful— — — — — — — — 
Total$495,388 $236,306 $835,974 $593,845 $259,479 $1,058,064 $24,752 $3,503,808 
Gross Charge Offs$— $— $— $— $89 $1,396 $— $1,485 
Residential real estate
Risk Ratings:
Pass$130,178 $173,606 $492,412 $631,313 $153,786 $490,156 $517,136 $2,588,587 
Special Mention— 22 — — — 164 3,434 3,620 
Substandard693 1,019 5,068 1,212 105 7,041 9,440 24,578 
Doubtful— — — — — — — — 
Total$130,871 $174,647 $497,480 $632,525 $153,891 $497,361 $530,010 $2,616,785 
Gross Charge Offs$— $— $— $— $40 $62 $32 $134 
Commercial and financial
Risk Ratings:
Pass$373,569 $180,423 $253,120 $232,427 $82,964 $117,276 $362,701 $1,602,480 
Special Mention— 382 755 2,839 232 1,904 2,163 8,275 
Substandard— 115 8,547 9,810 6,147 10,604 5,376 40,599 
Doubtful— — — — — — — — 
Total$373,569 $180,920 $262,422 $245,076 $89,343 $129,784 $370,240 $1,651,354 
Gross Charge Offs$— $— $2,762 $10,669 $— $3,111 $1,074 $17,616 
Consumer
Risk Ratings:
Pass$14,627 $14,049 $26,332 $20,721 $11,682 $30,022 $67,562 $184,995 
Special Mention— 5 1 — — — 54 60 
Substandard75 25 4,953 40 2,435 737 1 8,266 
Doubtful— — — — — — — — 
Total$14,702 $14,079 $31,286 $20,761 $14,117 $30,759 $67,617 $193,321 
Gross Charge Offs$789 $457 $5,471 $4,828 $255 $221 $267 $12,288 
Consolidated
Total$1,312,924 $907,011 $2,056,529 $1,792,005 $687,367 $2,403,812 $1,140,302 $10,299,950 
Gross Charge Offs$789 $457 $8,412 $15,497 $384 $4,953 $1,373 $31,865 
1 Represents gross charge-offs for the year ending December 31, 2024.
Schedule of Troubled Borrower Modifications
The following tables present the amortized cost of TBM loans that were modified during the three months ended March 31, 2025 and March 31, 2024.
March 31, 2025
(In thousands)
Rate Reduction or Rate Reduction with Term Extension
Term Extension and/or Payment Delay
Total1
% of Total Class of Loans
Construction and land development$— $— $— — %
Commercial real estate - owner occupied94 — 94 0.01 
Commercial real estate - non-owner occupied— — — — 
Residential real estate— 72 72 — 
Commercial and financial73 1,367 1,440 0.08 
Consumer— — — — 
Totals$167 $1,439 $1,606 0.02 %
1At March 31, 2025, the unfunded lending related commitments associated with TBM were immaterial.
March 31, 2024
(In thousands)
Rate Reduction or Rate Reduction with Term Extension
Term Extension and/or Payment Delay
Total1
% of Total Class of Loans
Commercial real estate - owner occupied$3,324 $— $3,324 0.20 %
Commercial real estate - non-owner occupied810 — 810 0.02 
Residential real estate— 31 31 — 
Commercial and financial2,631 57 2,688 0.17 
Consumer— 523 523 0.22 
Totals$6,765 $611 $7,376 0.07 %
1At March 31, 2024, there were no unfunded lending related commitments associated with TBMs.
The following tables present the payment status of TBM loans that were modified in the twelve months prior to March 31, 2025 and in the twelve months prior to March 31, 2024.
March 31, 2025
(In thousands)CurrentAccruing
30-59 Days Past Due		Accruing
60-89 Days Past Due		Accruing
Greater
Than 90 Days		NonaccrualTotal
Construction and Land Development$111 $— $— $— $— $111 
Commercial real estate - owner occupied94 — — — — 94 
Residential real estate95 — — — 571 666 
Commercial and financial1,262 — — — 636 1,898 
Consumer28 — — — — 28 
Totals$1,590 $— $— $— $1,207 $2,797 
March 31, 2024
(In thousands)CurrentAccruing
30-59 Days Past Due		Accruing
60-89 Days Past Due		Accruing
Greater
Than 90 Days		NonaccrualTotal
Commercial real estate - owner occupied$522 $— $— $— $2,802 $3,324 
Commercial real estate - non-owner occupied— — — — 810 810 
Residential real estate31 — — — — 31 
Commercial and financial2,185 — — — 13,016 15,201 
Consumer2,299 290 148 231 143 3,111 
Totals$5,037 $290 $148 $231 $16,771 $22,477