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Note 5 - Loans (Tables)

9 Months Ended

Sep. 30, 2026

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

		*September 30, 2026*				*December 31, 2025*
		($ In thousands)

Commercial loans		$	3,945,390			$	3,184,556
Construction loans			265,880				337,550
Commercial real estate loans			10,844,794				10,564,744
Residential mortgage loans			5,905,416				5,832,094
Equity lines			227,831				226,444
Installment and other loans			6,550				1,814
Gross loans		$	21,195,861			$	20,147,202
Allowance for loan losses			(224,190	)			(195,911	)
Unamortized deferred loan fees, net			(15,523	)			(14,903	)
Total loans held for investment, net		$	20,956,148			$	19,936,388

Schedule of Nonaccrual Loans and Related Allowance and Charge Off [Table Text Block]

		*September 30, 2026*
		*Unpaid Principal Balance*				*Recorded Investment*				*Allowance*
		($ In thousands)

With no allocated allowance:
Commercial loans		$	4,851			$	4,764			$	—
Commercial real estate loans			55,125				46,483				—
Residential mortgage loans and equity lines			19,923				19,178				—
Subtotal		$	79,899			$	70,425			$	—

With allocated allowance:
Commercial loans		$	5,042			$	2,424			$	1,125
Commercial real estate loans			841				763				9
Residential mortgage loans and equity lines			14,749				13,666				59
Subtotal		$	20,632			$	16,853			$	1,193
Total non-accrual loans		$	100,531			$	87,278			$	1,193

		*December 31, 2025*
		*Unpaid Principal Balance*				*Recorded Investment*				*Allowance*
		($ In thousands)

With no allocated allowance:
Commercial loans		$	25,154			$	14,899			$	—
Commercial real estate loans			58,213				39,874				—
Residential mortgage loans and equity lines			32,854				31,354				—
Subtotal		$	116,221			$	86,127			$	—

With allocated allowance:
Commercial loans		$	6,887			$	6,599			$	3,409
Commercial real estate loans			24,438				19,637				8,932
Subtotal		$	31,325			$	26,236			$	12,341
Total non-accrual loans		$	147,546			$	112,363			$	12,341

Financing Receivable, Nonaccrual [Table Text Block]

		*Three Months Ended*								*Nine Months Ended*
		*September 30, 2026*								*September 30, 2026*
		*Average Recorded Investment*				*Interest Income Recognized*				*Average Recorded Investment*				*Interest Income Recognized*
		($ In thousands)

Commercial loans		$	7,539			$	2			$	10,070			$	6
Construction loans			2,971				—				1,001				—
Commercial real estate loans			60,919				—				60,951				—
Residential mortgage loans and equity lines			31,557				—				31,690				—
Total non-accrual loans		$	102,986			$	2			$	103,712			$	6

		*Three Months Ended*								*Nine Months Ended*
		*September 30, 2025*								*September 30, 2025*
		*Average Recorded Investment*				*Interest Income Recognized*				*Average Recorded Investment*				*Interest Income Recognized*
		($ In thousands)

Commercial loans		$	45,584			$	—			$	53,099			$	7
Construction loans			—				—				1,804				—
Commercial real estate loans			101,615				—				93,100				—
Residential mortgage loans and equity lines			27,517				—				26,737				—
Total non-accrual loans		$	174,716			$	—			$	174,740			$	7

Financing Receivable, Past Due [Table Text Block]

		*September 30, 2026*
		*Accruing*
		*30-59 Days Past Due*				*60-89 Days Past Due*				*90 Days or More Past Due*				*Non-accrual Loans*				*Total Past Due*				*Loans Not Past Due*				*Total*
		($ In thousands)
Type of Loans:
Commercial loans		$	19,530			$	15,565			$	4,994			$	7,188			$	47,277			$	3,898,113			$	3,945,390
Construction loans			—				—				—				—				—				265,880				265,880
Commercial real estate loans			3,627				12,939				—				47,246				63,812				10,780,982				10,844,794
Residential mortgage loans and equity lines			—				17,615				—				32,844				50,459				6,082,788				6,133,247
Installment and other loans			—				—				—				—				—				6,550				6,550
Total loans		$	23,157			$	46,119			$	4,994			$	87,278			$	161,548			$	21,034,313			$	21,195,861

		*December 31, 2025*
		*Accruing*
		*30-59 Days Past Due*				*60-89 Days Past Due*				*90 Days or More Past Due*				*Non-accrual Loans*				*Total Past Due*				*Loans Not Past Due*				*Total*
		($ In thousands)
Type of Loans:
Commercial loans		$	13,561			$	1,376			$	—			$	21,498			$	36,435			$	3,148,121			$	3,184,556
Construction loans			—				—				—				—				—				337,550				337,550
Commercial real estate loans			5,062				6,254				1,000				59,511				71,827				10,492,917				10,564,744
Residential mortgage loans and equity lines			31,440				10,861				—				31,354				73,655				5,984,883				6,058,538
Installment and other loans			—				—				—				—				—				1,814				1,814
Total loans		$	50,063			$	18,491			$	1,000			$	112,363			$	181,917			$	19,965,285			$	20,147,202

Financing Receivable, Modified, Amortized Cost [Table Text Block]

		Nine Months Ended September 30, 2026																				Financial Effects of Loan Modifications
		Term Extension				Payment Delay				Combo-Rate Reduction/Term Extension/Payment Delay				Total				Modification as a % of Loan Class				Weighted-Average Reduction in Rate				Weighted-Average Term Extension (in Years)				Weighted-Average Payment Deferral (in Years)
		($ In thousands)
Loan Type
Commercial loans		$	5,511			$	37,931			$	5,461			$	48,903				1.24	%			0.00				0.3				0.3
Commercial real estate loans			14,739				—				6,595				21,334				0.20	%			1.62				0.7				0.9
Residential mortgage loans			—				—				206				206				0.00	%			(0.75	)			12.4				0.7
Construction loans			8,637				—				—				8,637				3.25	%			1.26				0.4				0.0
Total		$	28,887			$	37,931			$	12,262			$	79,080

		Three Months Ended September 30, 2025																				Financial Effects of Loan Modifications
		Term Extension				Payment Delay				Combo-Rate Reduction/Term Extension/Payment Delay				Total				Modification as a % of Loan Class				Weighted-Average Reduction in Rate				Weighted-Average Term Extension (in Years)				Weighted-Average Payment Deferral (in Years)
		($ In thousands)
Loan Type
Commercial loans		$	2,495			$	—			$	13,424			$	15,919				0.50	%			0.00				0.4				0.2
Commercial real estate loans			2,060				—				—				2,060				0.02	%			0.00				1.0				0.0
Construction loans			11,197				—				26,140				37,337				10.48	%			(0.31	)			0.6				0.0
Total		$	15,752			$	—			$	39,564			$	55,316

		Nine Months Ended September 30, 2025																				Financial Effects of Loan Modifications
		Term Extension				Payment Delay				Combo-Rate Reduction/Term Extension/Payment Delay				Total				Modification as a % of Loan Class				Weighted-Average Reduction in Rate				Weighted-Average Term Extension (in Years)				Weighted-Average Payment Deferral (in Years)
		($ In thousands)
Loan Type
Commercial loans		$	6,303			$	—			$	13,424			$	19,727				0.61	%			0.00				1.1				0.2
Commercial real estate loans			2,060				—				4,014				6,074				0.06	%			(0.91	)			2.1				0.5
Residential mortgage loans			—				—				217				217				0.00	%			0.00				0.0				1.9
Construction loans			11,197				—				26,140				37,337				10.48	%			(0.31	)			0.6				0.0
Total		$	19,560			$	—			$	43,795			$	63,355

Financing Receivable, Modified, Performance [Table Text Block]

		*As of September 30, 2026*
		*Current*				*30–89 Days Past Due*				*90+ Days Past Due*				*Total*
		($ In thousands)
Loan Type
Commercial loans		$	43,443			$	5,460			$	—			$	48,903
Commercial real estate loans			21,334				—				—				21,334
Residential mortgage loans			206				—				—				206
Construction loans			8,637				—				—				8,637
Total		$	73,620			$	5,460			$	—			$	79,080

		*As of September 30, 2025*
		*Current*				*30–89 Days Past Due*				*90+ Days Past Due*				*Total*
		($ In thousands)
Loan Type
Commercial loans		$	12,227			$	7,500			$	—			$	19,727
Commercial real estate loans			6,074				—				—				6,074
Construction loans			37,337				—				—				37,337
Residential mortgage loans			217				—				—				217
Total		$	55,855			$	7,500			$	—			$	63,355

Loan Held for Investment by Loan Portfolio Segments, Internal Risk Ratings and Vintage Year [Table Text Block]

		*Loans Amortized Cost Basis by Origination Year*
September 30, 2026		*2026*				*2025*				*2024*				*2023*				*2022*				*Prior*				*Revolving Loans*				*Revolving Converted to Term Loans*				*Total*
		($ In thousands)
Commercial loans
Pass/Watch		$	517,548			$	376,222			$	169,974			$	177,681			$	149,358			$	200,911			$	2,216,913			$	7,451			$	3,816,058
Special Mention			1,547				13,074				3,968				2,094				1,032				3,664				37,435				—				62,814
Substandard			30				11,559				—				12,979				1,888				11,906				23,526				927				62,815
Total		$	519,125			$	400,855			$	173,942			$	192,754			$	152,278			$	216,481			$	2,277,874			$	8,378			$	3,941,687
YTD gross write-offs		$	—			$	74			$	2,232			$	309			$	2,204			$	2,848			$	3,308			$	—			$	10,975
Construction loans
Pass/Watch		$	52,643			$	109,294			$	29,745			$	28,464			$	—			$	24,563			$	2,346			$	—			$	247,055
Substandard			8,114				—				—				4,817				—				3,820				—				—				16,751
Total		$	60,757			$	109,294			$	29,745			$	33,281			$	—			$	28,383			$	2,346			$	—			$	263,806
YTD gross write-offs		$	—			$	—			$	—			$	—			$	8,810			$	—			$	—			$	—			$	8,810
Commercial real estate loans
Pass/Watch		$	1,592,518			$	1,845,735			$	1,138,664			$	1,438,120			$	1,317,854			$	2,688,482			$	250,295			$	513			$	10,272,181
Special Mention			32,672				16,254				34,137				81,108				103,403				51,386				8,600				—				327,560
Substandard			2,424				2,160				36,902				24,576				59,433				111,116				391				—				237,002
Total		$	1,627,614			$	1,864,149			$	1,209,703			$	1,543,804			$	1,480,690			$	2,850,984			$	259,286			$	513			$	10,836,743
YTD gross write-offs		$	—			$	—			$	—			$	—			$	—			$	19,245			$	—			$	—			$	19,245
Residential mortgage loans
Pass/Watch		$	827,519			$	849,858			$	367,606			$	774,598			$	813,731			$	2,218,478			$	—			$	—			$	5,851,790
Special Mention			—				—				—				—				—				1,532				—				—				1,532
Substandard			13				3,840				3,160				6,135				9,794				26,948				—				—				49,890
Total		$	827,532			$	853,698			$	370,766			$	780,733			$	823,525			$	2,246,958			$	—			$	—			$	5,903,212
YTD gross write-offs		$	—			$	—			$	—			$	16			$	—			$	—			$	—			$	—			$	16
Equity lines
Pass/Watch		$	—			$	—			$	—			$	—			$	—			$	—			$	211,285			$	15,923			$	227,208
Substandard			—				—				—				—				—				—				884				248				1,132
Total		$	—			$	—			$	—			$	—			$	—			$	—			$	212,169			$	16,171			$	228,340
YTD gross write-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Installment and other loans
Pass/Watch		$	5,925			$	563			$	—			$	—			$	62			$	—			$	—			$	—			$	6,550
Total		$	5,925			$	563			$	—			$	—			$	62			$	—			$	—			$	—			$	6,550
YTD gross write-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Total loans		$	3,040,953			$	3,228,559			$	1,784,156			$	2,550,572			$	2,456,555			$	5,342,806			$	2,751,675			$	25,062			$	21,180,338
Total YTD gross write-offs		$	—			$	74			$	2,232			$	325			$	11,014			$	22,093			$	3,308			$	—			$	39,046

		*Loans Amortized Cost Basis by Origination Year*
December 31, 2025		*2025*				*2024*				*2023*				*2022*				*2021*				*Prior*				*Revolving Loans*				*Revolving Converted to Term Loans*				*Total*
		($ In thousands)
Commercial loans
Pass/Watch		$	384,065			$	190,685			$	220,174			$	154,865			$	157,979			$	85,858			$	1,702,322			$	6,269			$	2,902,217
Special Mention			—				33,459				—				1,462				5,000				3,875				117,738				—				161,534
Substandard			16,414				2,166				16,962				2,479				2,615				10,443				61,790				1,031				113,900
Doubtful			—				—				—				1,805				—				297				—				—				2,102
Total		$	400,479			$	226,310			$	237,136			$	160,611			$	165,594			$	100,473			$	1,881,850			$	7,300			$	3,179,753
YTD gross write-offs		$	—			$	175			$	715			$	2,752			$	4,469			$	12,503			$	12,487			$	—			$	33,101
Construction loans
Pass/Watch		$	86,893			$	69,113			$	37,801			$	68,635			$	30,283			$	—			$	1,298			$	—			$	294,023
Special Mention			—				—				9,235				—				—				—				—				—				9,235
Substandard			—				—				—				—				26,060				6,636				—				—				32,696
Total		$	86,893			$	69,113			$	47,036			$	68,635			$	56,343			$	6,636			$	1,298			$	—			$	335,954
YTD gross write-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Commercial real estate loans
Pass/Watch		$	1,909,540			$	1,286,856			$	1,673,226			$	1,442,872			$	1,290,175			$	2,184,774			$	206,139			$	—			$	9,993,582
Special Mention			29,745				58,491				74,142				113,065				32,074				33,062				22,214				—				362,793
Substandard			2,589				15,069				11,520				26,772				59,915				63,004				1,724				1,208				181,801
Doubtful			—				—				—				—				—				17,843				—				—				17,843
Total		$	1,941,874			$	1,360,416			$	1,758,888			$	1,582,709			$	1,382,164			$	2,298,683			$	230,077			$	1,208			$	10,556,019
YTD gross write-offs		$	—			$	—			$	—			$	—			$	930			$	3,632			$	—			$	—			$	4,562
Residential mortgage loans
Pass/Watch		$	980,403			$	488,518			$	899,547			$	905,719			$	688,469			$	1,826,904			$	—			$	—			$	5,789,560
Special Mention			—				—				—				—				—				1,571				—				—				1,571
Substandard			47				2,140				5,252				7,585				4,764				20,801				—				—				40,589
Total		$	980,450			$	490,658			$	904,799			$	913,304			$	693,233			$	1,849,276			$	—			$	—			$	5,831,720
YTD gross write-offs		$	—			$	74			$	—			$	—			$	—			$	—			$	—			$	—			$	74
Equity lines
Pass/Watch		$	—			$	—			$	—			$	—			$	—			$	—			$	209,256			$	15,853			$	225,109
Substandard			—				—				—				—				—				—				1,494				436				1,930
Total		$	—			$	—			$	—			$	—			$	—			$	—			$	210,750			$	16,289			$	227,039
YTD gross write-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Installment and other loans
Pass/Watch		$	1,635			$	108			$	—			$	71			$	—			$	—			$	—			$	—			$	1,814
Total		$	1,635			$	108			$	—			$	71			$	—			$	—			$	—			$	—			$	1,814
YTD gross write-offs		$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Total loans		$	3,411,331			$	2,146,605			$	2,947,859			$	2,725,330			$	2,297,334			$	4,255,068			$	2,323,975			$	24,797			$	20,132,299
Total YTD gross write-offs		$	—			$	249			$	715			$	2,752			$	5,399			$	16,135			$	12,487			$	—			$	37,737

Financing Receivable, Allowance for Credit Loss [Table Text Block]

														*Residential*
										*Commercial*				*Mortgage Loans*				*Installment*
		*Commercial*				*Construction*				*Real Estate*				*and*				*and Other*
		*Loans*				*Loans*				*Loans*				*Equity Lines*				*Loans*				*Total*
		($ In thousands)
Allowance for Loan Losses:
June 30, 2026 Ending Balance		$	46,374			$	15,153			$	134,102			$	23,260			$	7			$	218,896
(Reversal)/provision for expected credit losses			(8,099	)			5,029				26,751				6,883				16				30,580
Charge-offs			(261	)			(8,810	)			(17,876	)			—				—				(26,947	)
Recoveries			1,660				1				—				—				—				1,661
Net recoveries/(charge-offs)			1,399				(8,809	)			(17,876	)			—				—				(25,286	)
September 30, 2026 Ending Balance		$	39,674			$	11,373			$	142,977			$	30,143			$	23			$	224,190

Allowance for unfunded credit commitments:
June 30, 2026 Ending Balance		$	11,611			$	3,042			$	265			$	—			$	—			$	14,918
(Reversal)/provision for expected credit losses			(3,103	)			1,117				6				—				—				(1,980	)
September 30, 2026 Ending Balance		$	8,508			$	4,159			$	271			$	—			$	—			$	12,938

														*Residential*
										*Commercial*				*Mortgage Loans*				*Installment*
		*Commercial*				*Construction*				*Real Estate*				*and*				*and Other*
		*Loans*				*Loans*				*Loans*				*Equity Lines*				*Loans*				*Total*
		($ In thousands)
Allowance for Loan Losses:
June 30, 2025 Ending Balance		$	40,842			$	5,434			$	106,773			$	20,465			$	17			$	173,531
Provision/(reversal) for expected credit losses			13,855				966				11,054				2,892				(5	)			28,762
Charge-offs			(16,173	)			—				(314	)			—				—				(16,487	)
Recoveries			547				5				285				4				—				841
Net (charge-offs)/recoveries			(15,626	)			5				(29	)			4				—				(15,646	)
September 30, 2025 Ending Balance		$	39,071			$	6,405			$	117,798			$	23,361			$	12			$	186,647

Allowance for unfunded credit commitments:
June 30, 2025 Ending Balance		$	7,590			$	2,248			$	54			$	—			$	—			$	9,892
(Reversal)/provision for expected credit losses			(872	)			698				143				—				—				(31	)
September 30, 2025 Ending Balance		$	6,718			$	2,946			$	197			$	—			$	—			$	9,861

														*Residential*
										*Commercial*				*Mortgage Loans*				*Installment*
		*Commercial*				*Construction*				*Real Estate*				*and*				*and Other*
		*Loans*				*Loans*				*Loans*				*Equity Lines*				*Loans*				*Total*
		($ In thousands)
Allowance for Loan Losses:
December 31, 2025 Ending Balance		$	39,123			$	6,475			$	125,665			$	24,641			$	7			$	195,911
Provision for expected credit losses			4,082				13,707				34,255				5,476				16				57,536
Charge-offs			(10,975	)			(8,810	)			(19,245	)			(16	)			—				(39,046	)
Recoveries			7,444				1				2,302				42				—				9,789
Net (charge-offs)/recoveries			(3,531	)			(8,809	)			(16,943	)			26				—				(29,257	)
September 30, 2026 Ending Balance		$	39,674			$	11,373			$	142,977			$	30,143			$	23			$	224,190

Allowance for unfunded credit commitments:
December 31, 2025 Ending Balance		$	9,067			$	3,095			$	279			$	—			$	—			$	12,441
(Reversal)/provision for expected credit losses			(559	)			1,064				(8	)			—				—				497
September 30, 2026 Ending Balance		$	8,508			$	4,159			$	271			$	—			$	—			$	12,938

														*Residential*
										*Commercial*				*Mortgage Loans*				*Installment*
		*Commercial*				*Construction*				*Real Estate*				*and*				*and Other*
		*Loans*				*Loans*				*Loans*				*Equity Lines*				*Loans*				*Total*
		($ In thousands)
Allowance for Loan Losses:
December 31, 2024 Ending Balance		$	57,796			$	8,185			$	79,597			$	16,181			$	6			$	161,765
Provision/(reversal) for expected credit losses			7,897				(1,786	)			41,889				7,240				6				55,246
Charge-offs			(27,634	)			—				(4,153	)			(74	)			—				(31,861	)
Recoveries			1,012				6				465				14				—				1,497
Net (charge-offs)/recoveries			(26,622	)			6				(3,688	)			(60	)			—				(30,364	)
September 30, 2025 Ending Balance		$	39,071			$	6,405			$	117,798			$	23,361			$	12			$	186,647

Allowance for unfunded credit commitments:
December 31, 2024 Ending Balance		$	7,780			$	1,896			$	—			$	—			$	—			$	9,676
(Reversal)/provision for expected credit losses			(1,062	)			1,050				197				—				—				185
September 30, 2025 Ending Balance		$	6,718			$	2,946			$	197			$	—			$	—			$	9,861