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Loans and Allowance for Credit Losses (Tables)
 3 Months Ended
Mar. 31, 2025
Receivables [Abstract]  
Schedule of Categories of Loans The various categories of loans are summarized as follows: 
March 31,December 31,
(In thousands)20252024
Consumer:  
Credit cards$179,680 $181,675 
Other consumer97,198 127,319 
Total consumer276,878 308,994 
Real Estate:
Construction and development2,778,245 2,789,249 
Single family residential2,647,451 2,689,946 
Other commercial8,051,304 7,912,336 
Total real estate13,477,000 13,391,531 
Commercial:
Commercial2,372,681 2,434,175 
Agricultural264,469 261,154 
Total commercial2,637,150 2,695,329 
Other703,050 610,083 
Total loans$17,094,078 $17,005,937 
Schedule of Nonaccrual Loans, Excluding Loans Acquired
The amortized cost basis of nonaccrual loans segregated by class of loans are as follows:

March 31,December 31,
(In thousands)20252024
Consumer:  
Credit cards$576 $565 
Other consumer380 678 
Total consumer956 1,243 
Real estate:
Construction and development13,452 10,681 
Single family residential32,495 33,972 
Other commercial66,930 28,524 
Total real estate112,877 73,177 
Commercial:
Commercial37,260 35,161 
Agricultural801 570 
Total commercial38,061 35,731 
Other3 3 
Total$151,897 $110,154 
Schedule of Aging Analysis of Past Due Loans, Excluding Loans Acquired
An age analysis of the amortized cost basis of past due loans, including nonaccrual loans, segregated by class of loans is as follows: 
(In thousands)Gross
30-89 Days
Past Due		90 Days
or More
Past Due		Total
Past Due		CurrentTotal
Loans		90 Days
Past Due &
Accruing
March 31, 2025      
Consumer:      
Credit cards$1,628 $580 $2,208 $177,472 $179,680 $459 
Other consumer848 136 984 96,214 97,198 — 
Total consumer2,476 716 3,192 273,686 276,878 459 
Real estate:
Construction and development426 12,933 13,359 2,764,886 2,778,245 — 
Single family residential28,076 15,531 43,607 2,603,844 2,647,451 8 
Other commercial10,230 50,516 60,746 7,990,558 8,051,304 — 
Total real estate38,732 78,980 117,712 13,359,288 13,477,000 8 
Commercial:
Commercial4,496 26,367 30,863 2,341,818 2,372,681 27 
Agricultural185 725 910 263,559 264,469 — 
Total commercial4,681 27,092 31,773 2,605,377 2,637,150 27 
Other— 3 3 703,047 703,050 — 
Total$45,889 $106,791 $152,680 $16,941,398 $17,094,078 $494 
December 31, 2024
Consumer:
Credit cards$1,824 $635 $2,459 $179,216 $181,675 $529 
Other consumer1,752 381 2,133 125,186 127,319 — 
Total consumer3,576 1,016 4,592 304,402 308,994 529 
Real estate:
Construction and development332 10,530 10,862 2,778,387 2,789,249 — 
Single family residential34,651 16,013 50,664 2,639,282 2,689,946 — 
Other commercial5,433 26,973 32,406 7,879,930 7,912,336 — 
Total real estate40,416 53,516 93,932 13,297,599 13,391,531 — 
Commercial:
Commercial3,535 27,059 30,594 2,403,581 2,434,175 74 
Agricultural393 104 497 260,657 261,154 — 
Total commercial3,928 27,163 31,091 2,664,238 2,695,329 74 
Other276 3 279 609,804 610,083 — 
Total$48,196 $81,698 $129,894 $16,876,043 $17,005,937 $603 
Schedule of Troubled Debt Restructuring
The following table presents a summary of the amortized cost basis of loan modifications granted to borrowers experiencing financial difficulty, segregated by class of loans and type of loan modification, for the three month period ended March 31, 2025.

Percent of
Interest RateTotal Class
(Dollars in thousands)Reductionof Loans
Three Months Ended March 31, 2025
Real estate:
Single family residential$451 0.02 %
Total real estate$451 
Schedule of Loans by Credit Risk Rating
The following table presents a summary of loans by credit quality indicator, as of March 31, 2025, segregated by class of loans.

Term Loans Amortized Cost Basis by Origination Year
(In thousands)2025 (YTD)20242023202220212020 and PriorLines of Credit (“LOC”) Amortized Cost BasisLOC Converted to Term Loans Amortized Cost BasisTotal
Consumer - credit cards    
Delinquency:
Current$— $— $— $— $— $— $177,472 $— $177,472 
30-89 days past due— — — — — — 1,628 — 1,628 
90+ days past due— — — — — — 580 — 580 
Total consumer - credit cards— — — — — — 179,680 — 179,680 
Current-period consumer - credit cards gross charge-offs— — — — — — 1,460 — 1,460 
Consumer - other
Delinquency:
Current14,694 29,273 14,353 14,538 3,803 1,679 17,874 — 96,214 
30-89 days past due6 149 203 445 22 4 19 — 848 
90+ days past due— 60 26 12 38 — — — 136 
Total consumer - other14,700 29,482 14,582 14,995 3,863 1,683 17,893 — 97,198 
Current-period consumer - other gross charge-offs— 450 126 368 32 36 58 — 1,070 
Real estate - C&D
Risk rating:
Pass18,222 44,186 110,827 62,199 26,930 36,214 2,461,129 — 2,759,707 
Special mention— — — 49 — 370 2,869 — 3,288 
Substandard— 59 63 102 457 79 14,490 — 15,250 
Doubtful and loss— — — — — — — — — 
Total real estate - C&D18,222 44,245 110,890 62,350 27,387 36,663 2,478,488 — 2,778,245 
Current-period real estate - C&D gross charge-offs— — — — — — — — — 
Real estate - SF residential
Delinquency:
Current58,690 225,634 310,195 545,289 294,653 695,559 473,824 — 2,603,844 
30-89 days past due— 1,332 1,695 8,582 2,076 12,484 1,907 — 28,076 
90+ days past due— 880 1,526 2,857 964 5,782 3,522 — 15,531 
Total real estate - SF residential58,690 227,846 313,416 556,728 297,693 713,825 479,253 — 2,647,451 
Current-period real estate - SF residential gross charge-offs— 13 — — 42 — 103 — 158 
Term Loans Amortized Cost Basis by Origination Year
(In thousands)2025 (YTD)20242023202220212020 and PriorLines of Credit (“LOC”) Amortized Cost BasisLOC Converted to Term Loans Amortized Cost BasisTotal
Real estate - other commercial
Risk rating:
Pass$270,315 $591,253 $442,670 $1,444,686 $1,001,908 $989,293 $2,829,154 $— $7,569,279 
Special mention— 9,693 16,260 35,702 5,857 18,346 122,853 — 208,711 
Substandard— 13,062 19,860 10,246 2,644 45,275 182,227 — 273,314 
Doubtful and loss— — — — — — — — — 
Total real estate - other commercial270,315 614,008 478,790 1,490,634 1,010,409 1,052,914 3,134,234 — 8,051,304 
Current-period real estate - other commercial gross charge-offs— — — — — 56 4,211 — 4,267 
Commercial
Risk rating:
Pass94,983 223,010 214,831 236,156 108,831 55,817 1,344,729 187 2,278,544 
Special mention— 736 2,556 593 322 1,058 28,691 — 33,956 
Substandard32 13,909 3,389 7,457 2,866 7,759 24,766 — 60,178 
Doubtful and loss— — — 3 — — — — 3 
Total commercial95,015 237,655 220,776 244,209 112,019 64,634 1,398,186 187 2,372,681 
Current-period commercial - gross charge-offs— 28 404 874 641 186 2,110 — 4,243 
Commercial - agriculture
Risk rating:
Pass24,673 23,394 19,784 17,619 6,247 3,380 166,247 — 261,344 
Special mention— — 4 139 — 4 1,436 — 1,583 
Substandard— 214 143 40 26 162 957 — 1,542 
Doubtful and loss— — — — — — — — — 
Total commercial - agriculture24,673 23,608 19,931 17,798 6,273 3,546 168,640 — 264,469 
Current-period commercial - agriculture gross charge-offs— — — — — — — — 
Other
Delinquency:
Current14,736 68,197 35,157 135,869 26,705 29,918 392,465 — 703,047 
30-89 days past due— — — — — — — — — 
90+ days past due— — — — — 3 — — 3 
Total other14,736 68,197 35,157 135,869 26,705 29,921 392,465 — 703,050 
Current-period other - gross charge-offs— — — — — — 63 — 63 
Total$496,351 $1,245,041 $1,193,542 $2,522,583 $1,484,349 $1,903,186 $8,248,839 $187 $17,094,078 
The following table presents a summary of loans by credit quality indicator, as of December 31, 2024, segregated by class of loans.

Term Loans Amortized Cost Basis by Origination Year
(In thousands)202420232022202120202019 and PriorLines of Credit (“LOC”) Amortized Cost BasisLOC Converted to Term Loans Amortized Cost BasisTotal
Consumer - credit cards    
Delinquency:
Current$— $— $— $— $— $— $179,216 $— $179,216 
30-89 days past due— — — — — — 1,824 — 1,824 
90+ days past due— — — — — — 635 — 635 
Total consumer - credit cards— — — — — — 181,675 — 181,675 
Current-period consumer - credit cards gross charge-offs— — — — — — 6,437 — 6,437 
Consumer - other
Delinquency:
Current63,986 17,227 17,877 4,713 1,304 893 19,186 — 125,186 
30-89 days past due515 176 701 59 14 2 285 — 1,752 
90+ days past due85 56 183 20 — 35 2 — 381 
Total consumer - other64,586 17,459 18,761 4,792 1,318 930 19,473 — 127,319 
Current-period consumer - other gross charge-offs192 680 553 98 13 10 292 — 1,838 
Real estate - C&D
Risk rating:
Pass50,288 113,056 71,908 28,921 18,187 20,653 2,468,334 — 2,771,347 
Special mention— — 50 — — 376 2,862 — 3,288 
Substandard59 409 66 532 — 88 13,460 — 14,614 
Doubtful and loss— — — — — — — — — 
Total real estate - C&D50,347 113,465 72,024 29,453 18,187 21,117 2,484,656 — 2,789,249 
Current-period real estate - C&D gross charge-offs162 — — — — — 521 — 683 
Real estate - SF residential
Delinquency:
Current225,040 324,605 559,278 314,700 187,752 543,590 484,317 — 2,639,282 
30-89 days past due1,205 4,201 9,578 3,316 1,525 12,389 2,437 — 34,651 
90+ days past due1,016 606 4,578 630 1,299 3,951 3,933 — 16,013 
Total real estate - SF residential227,261 329,412 573,434 318,646 190,576 559,930 490,687 — 2,689,946 
Current-period real estate - SF residential gross charge-offs3 190 231 — 37 134 247 — 842 
Real estate - other commercial
Risk rating:
Pass603,206 490,128 1,519,950 1,021,169 419,769 646,399 2,800,863 — 7,501,484 
Special mention9,479 16,272 12,401 9,494 1,472 12,754 111,466 — 173,338 
Substandard12,093 17,099 11,399 3,063 12,073 31,126 150,661 — 237,514 
Doubtful and loss— — — — — — — — — 
Total real estate - other commercial624,778 523,499 1,543,750 1,033,726 433,314 690,279 3,062,990 — 7,912,336 
Current-period real estate - other commercial gross charge-offs— 5,202 38 15 — 1 168 — 5,424 
Term Loans Amortized Cost Basis by Origination Year
(In thousands)202420232022202120202019 and PriorLines of Credit (“LOC”) Amortized Cost BasisLOC Converted to Term Loans Amortized Cost BasisTotal
Commercial
Risk rating:
Pass$245,945 $253,518 $257,227 $118,910 $28,620 $44,606 $1,411,467 $200 $2,360,493 
Special mention112 583 523 313 6 1,025 7,498 — 10,060 
Substandard10,743 2,035 8,317 2,876 2,954 5,923 30,771 — 63,619 
Doubtful and loss— — 3 — — — — — 3 
Total commercial256,800 256,136 266,070 122,099 31,580 51,554 1,449,736 200 2,434,175 
Current-period commercial - gross charge-offs536 1,087 5,311 3,500 913 1,994 13,289 — 26,630 
Commercial - agriculture
Risk rating:
Pass30,103 23,222 20,673 8,220 2,825 1,209 169,849 — 256,101 
Special mention— — 111 — — — 2,299 — 2,410 
Substandard1,222 14 29 — 123 14 1,241 — 2,643 
Doubtful and loss— — — — — — — — — 
Total commercial - agriculture31,325 23,236 20,813 8,220 2,948 1,223 173,389 — 261,154 
Current-period commercial - agriculture gross charge-offs— 222 — 8 6 — 1 — 237 
Other
Delinquency:
Current71,671 35,574 136,416 26,930 1,287 30,085 307,841 — 609,804 
30-89 days past due— 276 — — — — — — 276 
90+ days past due— — — — — 3 — — 3 
Total other71,671 35,850 136,416 26,930 1,287 30,088 307,841 — 610,083 
Current-period other - gross charge-offs— — — — — — 473 — 473 
Total$1,326,768 $1,299,057 $2,631,268 $1,543,866 $679,210 $1,355,121 $8,170,447 $200 $17,005,937 
Schedule of the Activity in the Allowance for Loan Losses The collateral securing these loans consist of commercial real estate properties, residential properties, and other business assets.
(In thousands)Real Estate CollateralOther CollateralTotal
March 31, 2025
Construction and development$3,594 $— $3,594 
Single family residential— — — 
Other commercial real estate69,429 — 69,429 
Commercial— 22,376 22,376 
Total$73,023 $22,376 $95,399 
December 31, 2024
Construction and development$1,251 $— $1,251 
Single family residential— — — 
Other commercial real estate69,429 — 69,429 
Commercial— 31,900 31,900 
Total$70,680 $31,900 $102,580 

The following table details activity in the allowance for credit losses by portfolio segment for the three months ended March 31, 2025. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. 

(In thousands)CommercialReal
Estate		Credit
Card		Other
Consumer
and Other		Total
Allowance for credit losses:
Three Months Ended March 31, 2025
Beginning balance, January 1, 2025$41,587 $181,962 $6,007 $5,463 $235,019 
Provision for credit loss expense1,572 22,443 1,359 1,423 26,797 
Charge-offs(4,243)(4,425)(1,460)(1,133)(11,261)
Recoveries997 99 211 306 1,613 
Net (charge-offs) recoveries(3,246)(4,326)(1,249)(827)(9,648)
Ending balance, March 31, 2025$39,913 $200,079 $6,117 $6,059 $252,168 
Activity in the allowance for credit losses for the three months ended March 31, 2024 was as follows:

(In thousands)CommercialReal
Estate		Credit
Card		Other
Consumer
and Other		Total
Allowance for credit losses:
Three Months Ended March 31, 2024
Beginning balance, January 1, 2024$36,470 $177,177 $5,868 $5,716 $225,231 
Provision for credit loss expense2,872 5,359 1,298 677 10,206 
Charge-offs(4,593)(2,857)(1,646)(732)(9,828)
Recoveries442 735 248 333 1,758 
Net (charge-offs) recoveries(4,151)(2,122)(1,398)(399)(8,070)
Ending balance, March 31, 2024$35,191 $180,414 $5,768 $5,994 $227,367 
The components of the provision for credit losses for the three month periods ended March 31, 2025 and 2024 were as follows:

Three Months Ended
March 31,
(In thousands)20252024
Provision for credit losses related to:  
Loans$26,797 $10,206 
Unfunded commitments— — 
Securities - HTM— — 
Securities - AFS— — 
Total$26,797 $10,206