OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES (Tables)

3 Months Ended

Mar. 31, 2025

OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES

Schedule of Commitments exclusive of Mortgage Bank Loan Commitments

(in thousands)	March 31, 2025		December 31, 2024
Unused warehouse lines of credit	$	405,998	$	404,240
Unused home equity lines of credit		481,676		478,040
Unused loan commitments - other		1,128,625		1,093,990
Standby letters of credit		11,070		11,282
Total commitments	$	2,027,369	$	1,987,552

Schedule of roll-forward of the ACLC

	ACLC Roll-forward
	Three Months Ended
	2025										2024
	Beginning				Charge-				Ending		Beginning				Charge-				Ending
(in thousands)	Balance		Provision		offs		Recoveries		Balance		Balance		Provision		offs		Recoveries		Balance
Loan Commitments
Unused warehouse lines of credit	$	79	$	26	$	—	$	—	$	105	$	116	$	(8)	$	—	$	—	$	108
Unused home equity lines of credit		183		16		—		—		199		55		31		—		—		86
Unused construction lines of credit		677		60		—		—		737		820		(179)		—		—		641
Unused RCS lines of credit		300		(110)		—		—		190		—		—		—		—		—
Unused loan commitments - other		251		28		—		—		279		349		46		—		—		395
Total	$	1,490	$	20	$	—	$	—	$	1,510	$	1,340	$	(110)	$	—	$	—	$	1,230