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

6 Months Ended

Jun. 30, 2025

OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES

Schedule of Commitments exclusive of Mortgage Bank Loan Commitments

(in thousands)	June 30, 2025		December 31, 2024
Unused warehouse lines of credit	$	363,726	$	404,240
Unused home equity lines of credit		480,341		478,040
Unused loan commitments - other		1,167,249		1,093,990
Standby letters of credit		11,964		11,282
Total commitments	$	2,023,280	$	1,987,552

Schedule of roll-forward of the ACLC

	ACLC Roll-forward
	Three Months Ended June 30,
	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	$	105	$	(13)	$	—	$	—	$	92	$	108	$	(31)	$	—	$	—	$	77
Unused home equity lines of credit		199		(4)		—		—		195		86		24		—		—		110
Unused construction lines of credit		737		(34)		—		—		703		641		(50)		—		—		591
Unused RCS lines of credit		190		30		—		—		220		—		—		—		—		—
Unused loan commitments - other		279		11		—		—		290		395		(63)		—		—		332
Total	$	1,510	$	(10)	$	—	$	—	$	1,500	$	1,230	$	(120)	$	—	$	—	$	1,110

	ACLC Roll-forward
	Six Months Ended June 30,
	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	$	13	$	—	$	—	$	92	$	116	$	(39)	$	—	$	—	$	77
Unused home equity lines of credit		183		12		—		—		195		55		55		—		—		110
Unused construction lines of credit		677		26		—		—		703		820		(229)		—		—		591
Unused RCS lines of credit		300		(80)		—		—		220		—		—		—		—		—
Unused loan commitments - other		251		39		—		—		290		349		(17)		—		—		332
Total	$	1,490	$	10	$	—	$	—	$	1,500	$	1,340	$	(230)	$	—	$	—	$	1,110