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Allowance for Credit Losses (ACL) - Disaggregated analysis of the changes in allowance for credit losses (Details) - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended
Jan. 01, 2025
Mar. 31, 2025
Mar. 31, 2024
Dec. 31, 2024
Allowance for credit losses        
Balance at beginning of period $ 465,280 $ 465,280 $ 456,573 $ 456,573
Allowance Adjustment - FMV for Independent merger   118,643    
Independent Day 1 Loan Charge-offs PCD   (39,429)    
Charge-offs   (7,422)    
Charge-offs   (46,851) (7,940) (35,070)
Recoveries   2,982 5,261  
Net (charge-offs) recoveries   (43,869) (2,679)  
Provision (benefit)   3,665 15,760  
Balance at end of period   623,690 469,654 465,280
Independent        
Allowance for credit losses        
Allowance Adjustment - FMV for Independent merger 118,643      
Initial Allowance for Non PCD loans acquired during period        
Allowance for credit losses        
Balance at end of period   79,971    
Consumer loans        
Allowance for credit losses        
Charge-offs   (4,938)   (10,298)
Unfunded Commitment        
Allowance for credit losses        
Provision (recovery)   16,900 (3,100)  
Unfunded Commitment | Independent        
Allowance for credit losses        
Provision (recovery)   12,100    
Residential Mortgage Sr.        
Allowance for credit losses        
Balance at beginning of period 42,687 42,687 78,052 78,052
Allowance Adjustment - FMV for Independent merger   1,852    
Independent Day 1 Loan Charge-offs PCD   (61)    
Charge-offs   (507)    
Charge-offs     (343)  
Recoveries   200 123  
Net (charge-offs) recoveries   (368) (220)  
Provision (benefit)   1,245 9,652  
Balance at end of period   54,326 87,484 42,687
Residential Mortgage Sr. | Initial Allowance for Non PCD loans acquired during period        
Allowance for credit losses        
Balance at end of period   8,910    
Residential Mortgage Jr.        
Allowance for credit losses        
Balance at beginning of period 432 432 745 745
Charge-offs   (13)    
Recoveries   24 39  
Net (charge-offs) recoveries   11 39  
Provision (benefit)   265 446  
Balance at end of period   793 1,230 432
Residential Mortgage Jr. | Initial Allowance for Non PCD loans acquired during period        
Allowance for credit losses        
Balance at end of period   85    
HELOC        
Allowance for credit losses        
Balance at beginning of period 14,845 14,845 10,942 10,942
Charge-offs   (229)    
Charge-offs     (110)  
Recoveries   380 292  
Net (charge-offs) recoveries   151 182  
Provision (benefit)   (219) 600  
Balance at end of period   14,868 11,724 14,845
HELOC | Initial Allowance for Non PCD loans acquired during period        
Allowance for credit losses        
Balance at end of period   91    
Residential Construction        
Allowance for credit losses        
Balance at beginning of period 9,298 9,298 5,024 5,024
Charge-offs     (304)  
Recoveries     7  
Net (charge-offs) recoveries     (297)  
Provision (benefit)   (1,443) (175)  
Balance at end of period   12,555 4,552 9,298
Residential Construction | Initial Allowance for Non PCD loans acquired during period        
Allowance for credit losses        
Balance at end of period   4,700    
Commercial Construction and Development        
Allowance for credit losses        
Balance at beginning of period 65,553 65,553 65,772 65,772
Allowance Adjustment - FMV for Independent merger   6,448    
Charge-offs     (1,475)  
Recoveries   98 1,007  
Net (charge-offs) recoveries   98 (468)  
Provision (benefit)   (5,309) (4,444)  
Balance at end of period   78,541 60,860 65,553
Commercial Construction and Development | Initial Allowance for Non PCD loans acquired during period        
Allowance for credit losses        
Balance at end of period   11,751    
Consumer        
Allowance for credit losses        
Balance at beginning of period 17,484 17,484 23,331 23,331
Allowance Adjustment - FMV for Independent merger   114    
Independent Day 1 Loan Charge-offs PCD   (2,323)    
Charge-offs   (1,805)    
Charge-offs     (2,497)  
Recoveries   830 1,125  
Net (charge-offs) recoveries   (3,298) (1,372)  
Provision (benefit)   1,750 1,394  
Balance at end of period   16,304 23,353 17,484
Consumer | Initial Allowance for Non PCD loans acquired during period        
Allowance for credit losses        
Balance at end of period   254    
Multifamily        
Allowance for credit losses        
Balance at beginning of period 22,279 22,279 13,766 13,766
Allowance Adjustment - FMV for Independent merger   3,561    
Recoveries     25  
Net (charge-offs) recoveries     25  
Provision (benefit)   4,315 3,221  
Balance at end of period   33,960 17,012 22,279
Multifamily | Initial Allowance for Non PCD loans acquired during period        
Allowance for credit losses        
Balance at end of period   3,805    
Municipal        
Allowance for credit losses        
Balance at beginning of period 1,197 1,197 900 900
Provision (benefit)   (2,037) (24)  
Balance at end of period   1,107 876 1,197
Municipal | Initial Allowance for Non PCD loans acquired during period        
Allowance for credit losses        
Balance at end of period   1,947    
CRE Owner Occupied        
Allowance for credit losses        
Balance at beginning of period 78,753 78,753 71,580 71,580
Allowance Adjustment - FMV for Independent merger   8,075    
Independent Day 1 Loan Charge-offs PCD   (1,302)    
Charge-offs   (204)    
Recoveries   50 103  
Net (charge-offs) recoveries   (1,456) 103  
Provision (benefit)   13,098 914  
Balance at end of period   101,656 72,597 78,753
CRE Owner Occupied | Initial Allowance for Non PCD loans acquired during period        
Allowance for credit losses        
Balance at end of period   3,186    
Non Owner Occupied CRE        
Allowance for credit losses        
Balance at beginning of period 111,538 111,538 137,055 137,055
Allowance Adjustment - FMV for Independent merger   93,820    
Independent Day 1 Loan Charge-offs PCD   (13,556)    
Charge-offs     (71)  
Recoveries   96 10  
Net (charge-offs) recoveries   (13,460) (61)  
Provision (benefit)   (51,121) (2,296)  
Balance at end of period   172,334 134,698 111,538
Non Owner Occupied CRE | Initial Allowance for Non PCD loans acquired during period        
Allowance for credit losses        
Balance at end of period   31,557    
C & I        
Allowance for credit losses        
Balance at beginning of period $ 101,214 101,214 49,406 49,406
Allowance Adjustment - FMV for Independent merger   4,773    
Independent Day 1 Loan Charge-offs PCD   (22,187)    
Charge-offs   (4,664)    
Charge-offs     (3,140)  
Recoveries   1,304 2,530  
Net (charge-offs) recoveries   (25,547) (610)  
Provision (benefit)   43,121 6,472  
Balance at end of period   137,246 $ 55,268 $ 101,214
C & I | Initial Allowance for Non PCD loans acquired during period        
Allowance for credit losses        
Balance at end of period   $ 13,685