Stellar Bancorp (STEL) 10-Q 28 Jul 23 2023 Q2 Quarterly report Financial data

Cover Page

Cover Page - shares	6 Months Ended
	Jun. 30, 2023	Jul. 26, 2023
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2023
Document Transition Report	false
Entity File Number	001-38280
Entity Registrant Name	Stellar Bancorp, Inc.
Entity Incorporation, State or Country Code	TX
Entity Tax Identification Number	20-8339782
Entity Address, Address Line One	9 Greenway Plaza
Entity Address, Address Line Two	Suite 110
Entity Address, City or Town	Houston
Entity Address, State or Province	TX
Entity Address, Postal Zip Code	77046
City Area Code	713
Local Phone Number	210-7600
Title of 12(b) Security	Common Stock, par value, $0.01 per share
Trading Symbol	STEL
Security Exchange Name	NYSE
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		53,308,244
Entity Central Index Key	0001473844
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q2
Amendment Flag	false

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 105,913	$ 67,063
Interest-bearing deposits at other financial institutions	198,176	304,642
Total cash and cash equivalents	304,089	371,705
Fair Value	1,478,222	1,807,586
Loans held for investment	8,068,718	7,754,751
Less: allowance for credit losses on loans	(100,195)	(93,180)
Loans, net	7,968,523	7,661,571
Accrued interest receivable	42,051	44,743
Premises and equipment, net	119,142	126,803
Federal Home Loan Bank stock	24,478	15,058
Bank-owned life insurance	104,148	103,094
Goodwill	497,260	497,260
Core deposit intangibles, net	129,805	143,525
Other assets	110,633	129,092
TOTAL ASSETS	10,778,351	10,900,437
Deposits:
Noninterest-bearing	3,713,536	4,230,169
Interest-bearing
Demand	1,437,509	1,591,828
Money market and savings	2,174,073	2,575,923
Certificates and other time	1,441,251	869,712
Total interest-bearing deposits	5,052,833	5,037,463
Total deposits	8,766,369	9,267,632
Accrued interest payable	4,555	2,098
Borrowed funds	369,963	63,925
Subordinated debt	109,566	109,367
Other liabilities	69,218	74,239
Total liabilities	9,319,671	9,517,261
COMMITMENTS AND CONTINGENCIES (See Note 14)
SHAREHOLDERS’ EQUITY:
Preferred stock, $0.01 par value; 10,000,000 shares authorized; no shares issued or outstanding at June 30, 2023 and December 31, 2022	0	0
Common stock, $0.01 par value; 140,000,000 shares authorized; 53,302,734 shares issued and outstanding at June 30, 2023 and 52,954,985 shares issued and outstanding at December 31, 2022	533	530
Capital surplus	1,228,532	1,222,761
Retained earnings	361,619	303,146
Accumulated other comprehensive loss	(132,004)	(143,261)
Total shareholders’ equity	1,458,680	1,383,176
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$ 10,778,351	$ 10,900,437

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parentheticals) - $ / shares	Jun. 30, 2023	Dec. 31, 2022
Statement of Financial Position [Abstract]
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	10,000,000	10,000,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	140,000,000	140,000,000
Common stock, shares issued (in shares)	53,302,734	52,954,985
Common stock, shares outstanding (in shares)	53,302,734	52,954,985

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
INTEREST INCOME:
Loans, including fees	$ 133,931	$ 53,835	$ 259,660	$ 106,205
Securities:
Taxable	9,726	5,571	19,379	10,639
Tax-exempt	436	2,557	1,698	5,082
Deposits in other financial institutions	2,865	877	6,636	1,217
Total interest income	146,958	62,840	287,373	123,143
INTEREST EXPENSE:
Demand, money market and savings deposits	20,708	1,859	38,745	3,206
Certificates and other time deposits	9,622	1,922	12,929	4,078
Borrowed funds	6,535	114	7,852	300
Subordinated debt	1,812	1,463	3,739	2,905
Total interest expense	38,677	5,358	63,265	10,489
NET INTEREST INCOME	108,281	57,482	224,108	112,654
Provision for credit losses	1,915	2,143	5,581	3,957
Net interest income after provision for credit losses	106,366	55,339	218,527	108,697
NONINTEREST INCOME:
(Loss) gain on sale of assets	(6)	(17)	192	(17)
Bank-owned life insurance income	532	342	1,054	475
Debit card and ATM card income	1,821	880	3,519	1,699
Other	1,561	813	5,292	3,236
Total noninterest income	5,483	2,704	12,981	6,722
NONINTEREST EXPENSE:
Salaries and employee benefits	37,300	21,864	77,075	44,592
Net occupancy and equipment	3,817	2,220	7,905	4,425
Depreciation	1,841	1,012	3,677	2,045
Data processing and software amortization	4,674	2,522	9,728	5,020
Professional fees	1,564	662	3,091	800
Regulatory assessments and FDIC insurance	2,755	1,256	4,049	2,517
Amortization of intangibles	6,881	751	13,760	1,502
Communications	689	363	1,390	704
Advertising	907	483	1,746	945
Acquisition and merger-related expenses	2,897	1,667	9,062	2,118
Other	5,882	5,104	10,322	7,753
Total noninterest expense	69,207	37,904	141,805	72,421
INCOME BEFORE INCOME TAXES	42,642	20,139	89,703	42,998
Provision for income taxes	7,467	3,702	17,380	7,904
NET INCOME	$ 35,175	$ 16,437	$ 72,323	$ 35,094
EARNINGS PER SHARE:
Basic (in dollars per share)	$ 0.66	$ 0.57	$ 1.36	$ 1.22
Diluted (in dollars per share)	0.66	0.56	1.36	1.21
DIVIDENDS PER SHARE (in dollars per share)	$ 0.13	$ 0.10	$ 0.26	$ 0.20
Nonsufficient funds fees
NONINTEREST INCOME:
Revenue from contract with customer	$ 418	$ 126	$ 824	$ 242
Service charges on deposit accounts
NONINTEREST INCOME:
Revenue from contract with customer	$ 1,157	$ 560	$ 2,100	$ 1,087

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Statement of Comprehensive Income [Abstract]
Net income	$ 35,175	$ 16,437	$ 72,323	$ 35,094
Unrealized gain (loss) on securities:
Change in unrealized holding (loss) gain on available for sale securities during the period	(23,717)	(65,648)	14,249	(169,269)
Reclassification of loss (gain) realized on securities	0	17	(234)	17
Unrealized (loss) gain on cash flow hedge:
Total other comprehensive (loss) income	(23,717)	(65,631)	14,015	(169,252)
Deferred tax benefit (expense) related to other comprehensive loss	4,994	13,782	(2,758)	35,543
Other comprehensive (loss) income, net of tax	(18,723)	(51,849)	11,257	(133,709)
Comprehensive income (loss)	$ 16,452	$ (35,412)	$ 83,580	$ (98,615)

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Common Stock	Capital Surplus	Retained Earnings	Accumulated Other Comprehensive Income (Loss)
Balance (in shares) at Dec. 31, 2021		28,845,903
Balance at Dec. 31, 2021	$ 816,468	$ 289	$ 530,845	$ 267,092	$ 18,242
Net income	35,094			35,094
Other comprehensive income (loss)	(133,709)				(133,709)
Cash dividends declared	(5,709)			(5,709)
Common stock issued in connection with the exercise of stock options and restricted stock awards (in shares)		90,796
Common stock issued in connection with the exercise of stock options and restricted stock awards	985	$ 1	984
Repurchase of common stock (in shares)		(350,273)
Repurchase of common stock	(9,690)	$ (4)	(9,686)
Stock-based compensation expense	1,890		1,890
Balance (in shares) at Jun. 30, 2022		28,586,426
Balance at Jun. 30, 2022	705,329	$ 286	524,033	296,477	(115,467)
Balance (in shares) at Mar. 31, 2022		28,903,910
Balance at Mar. 31, 2022	751,940	$ 290	532,372	282,896	(63,618)
Net income	16,437			16,437
Other comprehensive income (loss)	(51,849)				(51,849)
Cash dividends declared	(2,856)			(2,856)
Common stock issued in connection with the exercise of stock options and restricted stock awards (in shares)		32,789
Common stock issued in connection with the exercise of stock options and restricted stock awards	416		416
Repurchase of common stock (in shares)		(350,273)
Repurchase of common stock	(9,690)	$ (4)	(9,686)
Stock-based compensation expense	931		931
Balance (in shares) at Jun. 30, 2022		28,586,426
Balance at Jun. 30, 2022	705,329	$ 286	524,033	296,477	(115,467)
Balance (in shares) at Dec. 31, 2022		52,954,985
Balance at Dec. 31, 2022	1,383,176	$ 530	1,222,761	303,146	(143,261)
Net income	72,323			72,323
Other comprehensive income (loss)	11,257				11,257
Cash dividends declared	(13,850)			(13,850)
Common stock issued in connection with the exercise of stock options and restricted stock awards (in shares)		347,749
Common stock issued in connection with the exercise of stock options and restricted stock awards	351	$ 3	348
Stock-based compensation expense	5,423		5,423
Balance (in shares) at Jun. 30, 2023		53,302,734
Balance at Jun. 30, 2023	1,458,680	$ 533	1,228,532	361,619	(132,004)
Balance (in shares) at Mar. 31, 2023		53,296,038
Balance at Mar. 31, 2023	1,446,216	$ 533	1,225,596	333,368	(113,281)
Net income	35,175			35,175
Other comprehensive income (loss)	(18,723)				(18,723)
Cash dividends declared	(6,924)			(6,924)
Common stock issued in connection with the exercise of stock options and restricted stock awards (in shares)		6,696
Common stock issued in connection with the exercise of stock options and restricted stock awards	94		94
Stock-based compensation expense	2,842		2,842
Balance (in shares) at Jun. 30, 2023		53,302,734
Balance at Jun. 30, 2023	$ 1,458,680	$ 533	$ 1,228,532	$ 361,619	$ (132,004)

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parentheticals) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Statement of Stockholders' Equity [Abstract]
Per share amount of cash dividends declared (in dollars per share)	$ 0.13	$ 0.10	$ 0.26	$ 0.20

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 72,323	$ 35,094
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and core deposit intangibles amortization	17,437	3,547
Provision for credit losses	5,581	3,957
Deferred income tax benefit	11,961	(97)
Net amortization of premium on investments	1,564	5,558
Excess tax benefit from stock-based compensation	(47)	(154)
Bank-owned life insurance income	(1,054)	(475)
Net accretion of discount on loans	(22,665)	(139)
Net amortization of discount on subordinated debt	59	58
Net accretion of discount on certificates of deposit	(19)	(31)
Net (gain) loss on sale of assets	(192)	17
Federal Home Loan Bank stock dividends	(400)	(35)
Stock-based compensation expense	5,423	1,890
Net change in operating leases	2,088	1,515
Decrease (increase) in accrued interest receivable and other assets	6,453	(4,153)
Decrease in accrued interest payable and other liabilities	(524)	(5,694)
Net cash provided by operating activities	97,988	40,858
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from maturities and principal paydowns of available for sale securities	55,312	2,283,396
Proceeds from sales and calls of available for sale securities	320,691	5,056
Purchase of available for sale securities	(33,287)	(2,398,416)
Net change in total loans	(291,730)	(129,096)
Purchase of bank premises and equipment	(2,479)	(395)
Proceeds from sale of bank premises, equipment and other real estate	3,652	0
Net (purchase) redemption of Federal Home Loan Bank stock	(9,020)	5,315
Net cash provided by (used in) investing activities	43,139	(234,140)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net (decrease) increase in noninterest-bearing deposits	(516,633)	151,634
Net increase (decrease) in interest-bearing deposits	15,389	(318,610)
Net change in short-term other borrowed funds	306,000	(90,000)
Dividends paid to common shareholders	(13,850)	(5,709)
Proceeds from the issuance of common stock and stock option exercises	351	985
Repurchase of common stock	0	(9,690)
Net cash used in financing activities	(208,743)	(271,390)
NET CHANGE IN CASH AND CASH EQUIVALENTS	(67,616)	(464,672)
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	371,705	757,509
CASH AND CASH EQUIVALENTS, END OF PERIOD	304,089	292,837
SUPPLEMENTAL CASH FLOW INFORMATION:
Income taxes paid	0	6,900
Interest paid	60,808	10,742
Cash paid for operating lease liabilities	2,230	1,723
SUPPLEMENTAL NONCASH DISCLOSURE:
Lease right-of-use asset obtained in exchange for lessee operating lease liabilities	0	76
Branch assets transferred to assets held for sale	$ 3,819	$ 2,137

NATURE OF OPERATIONS AND SUMMAR

NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES	6 Months Ended
	Jun. 30, 2023
Accounting Policies [Abstract]
NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES	NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES Nature of Operations -Stellar Bancorp, Inc. (“Stellar”) through its wholly-owned subsidiary, Stellar Bank, (the “Bank”), and together with Stellar, collectively referred to herein as “we,” “us,” “our” and the “Company”), provides a diversified range of commercial banking services primarily to small- to medium-sized businesses. Stellar derives substantially all of its revenues and income from the operation of the Bank. We refer to the Houston-The Woodlands-Sugar Land metropolitan statistical area (“MSA”), as the Houston region (“Houston region”) and the Beaumont-Port Arthur MSA, as the Beaumont region (“Beaumont region”). The Company is focused on delivering a wide variety of relationship-driven commercial banking products and community-oriented services tailored to meet the needs of small-to medium-sized businesses, professionals and individuals through its 55 banking centers with 38 banking centers in the Houston region, 16 banking centers in the Beaumont region and one banking center in Dallas, Texas, which we collectively refer to as our markets. Basis of Presentation -The accompanying unaudited condensed consolidated financial statements of the Company have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim financial information and in accordance with guidance provided by the Securities and Exchange Commission (“SEC”). Accordingly, the condensed consolidated financial statements do not include all of the information and footnotes required by GAAP for complete financial statements. The preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and accompanying notes. Actual results could differ from those estimates. In the opinion of management, the accompanying unaudited condensed consolidated financial statements reflect all adjustments considered necessary for a fair presentation of the financial position, results of operations and cash flows of the Company on a consolidated basis, and all such adjustments are of a normal recurring nature. Transactions between Stellar and the Bank have been eliminated. The condensed consolidated financial statements should be read in conjunction with the audited consolidated financial statements and footnotes thereto included in the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2022. Operating results for the three and six months ended June 30, 2023 are not necessarily indicative of the results that may be expected for the year ending December 31, 2023. Merger of Equals -The merger of equals (the “Merger”) between Allegiance Bancshares, Inc. (“Allegiance”) and CBTX, Inc. (“CBTX”), was effective on October 1, 2022, with CBTX as the surviving corporation that was renamed Stellar Bancorp, Inc. At the effective time of the Merger, each outstanding share of Allegiance common stock, par value of $1.00 per share, was converted into the right to receive 1.4184 shares of common stock of the Company. Immediately following the Merger, CommunityBank of Texas, N.A. (“CommunityBank”), a national banking association and a wholly-owned subsidiary of CBTX, merged with and into Allegiance Bank, a wholly owned subsidiary of Allegiance, with Allegiance Bank as the surviving bank. In connection with the operational conversion during the first quarter of 2023, Allegiance Bank changed its name to Stellar Bank on February 18, 2023. The Merger constituted a business combination and was accounted for as a reverse merger using the acquisition method of accounting. As a result, Allegiance was the accounting acquirer and CBTX was the legal acquirer and the accounting acquiree. Accordingly, the historical financial statements of Allegiance became the historical financial statements of the combined company for all periods prior to October 1, 2022 (the “Merger Date”). In addition, the assets and liabilities of CBTX have been recorded at their estimated fair values and added to those of Allegiance as of October 1, 2022. The determination of fair value required management to make estimates about discount rates, expected future cash flows, market conditions and other future events that are subjective and subject to change. The Company’s results of operations for the three and six months ended June 30, 2022 reflect Allegiance's historical results and do not include the historical results of CBTX. The Company has substantially completed its valuations of CBTX’s assets and liabilities. The Merger had a significant impact on all aspects of the Company’s financial statements, and financial results for periods after the Merger are not comparable to financial results for periods prior to the Merger. The number of shares issued and outstanding, earnings per share, capital surplus, dividends paid and all references to share quantities of the Company have been retrospectively adjusted to reflect the equivalent number of shares issued to holders of Allegiance common stock in the Merger. See Note 2 – Acquisitions in the accompanying notes to the consolidated financial statements for the impact of the Merger. Significant Accounting and Reporting Policies The Company’s significant accounting and reporting policies can be found in Note 1 of the Company’s annual financial statements included in the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2022. Adoption of New Accounting Standards

ACQUISITIONS

ACQUISITIONS	6 Months Ended
	Jun. 30, 2023
Business Combination and Asset Acquisition [Abstract]
ACQUISITIONS	ACQUISITIONS Merger of Equals As described in Note 1 – Nature of Operations and Summary of Significant Accounting and Reporting Policies, the Merger was completed on October 1, 2022. Allegiance merged with and into CBTX with the surviving corporation renamed Stellar Bancorp, Inc. At the effective date of the Merger, each outstanding share of Allegiance common stock was converted into the right to receive 1.4184 shares of common stock of the Company. The Company issued 28.1 million shares of its common stock to Allegiance shareholders in connection with the Merger, which represented 54.0% of the voting interests in the Company upon completion of the Merger. In accordance with FASB ASC 805-40-30-2, the purchase price in a reverse acquisition is determined based on the number of equity interests the legal acquiree would have had to issue to give the owners of the legal acquirer the same percentage equity interest in the combined entity that results from the reverse acquisition. The table below summarizes the ownership of the combined company following the Merger, for each shareholder group, using shares of CBTX and Allegiance common stock outstanding at September 30, 2022 and Allegiance’s closing price on September 30, 2022 (shares in thousands). Stellar Bancorp, Inc. Ownership Number of CBTX Outstanding Shares Percentage Ownership CBTX shareholders 24,015 46.0 % Allegiance shareholders 28,137 54.0 % Total 52,152 100.0 % The Merger was accounted for as a reverse merger using the acquisition method of accounting, which means that for accounting and financial reporting purposes, Allegiance was deemed to have acquired CBTX in the Merger, even though CBTX was the legal acquirer. Accordingly, Allegiance's historical financial statements are the historical financial statements of the combined company for all periods prior to the Merger Date. Total acquisition and merger-related expenses recognized for the three months ended June 30, 2023 and 2022 were $2.9 million and $1.7 million, respectively, and $9.1 million and $2.1 million for the six months ended June 30, 2023 and 2022, respectively.

GOODWILL AND OTHER INTANGIBLE A

GOODWILL AND OTHER INTANGIBLE ASSETS	6 Months Ended
	Jun. 30, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND OTHER INTANGIBLE ASSETS	GOODWILL AND OTHER INTANGIBLE ASSETS Changes in the carrying amount of the Company’s goodwill and core deposit intangible assets were as follows: Goodwill Core Deposit Servicing Assets (In thousands) Balance as of December 31, 2021 $ 223,642 $ 14,658 $ — Acquired intangibles 273,618 138,150 329 Amortization — (9,283) (20) Balance as of December 31, 2022 497,260 143,525 309 Amortization — (13,720) (40) Decrease due to payoff of serviced loans — — (18) Balance as of June 30, 2023 $ 497,260 $ 129,805 $ 251 Goodwill is recorded on the acquisition date of an entity. During the measurement period, the Company may record subsequent adjustments to goodwill for provisional amounts recorded at the acquisition date. Management performs an impairment evaluation annually, and more frequently if a triggering event occurs, of whether any impairment of the goodwill and other intangible assets has occurred. If any such impairment is determined, a write-down is recorded. As of June 30, 2023, there were no impairments recorded on goodwill and other intangible assets. The estimated aggregate future amortization expense for core deposit intangible assets remaining as of June 30, 2023 is as follows (in thousands): Remaining 2023 $ 13,093 2024 24,166 2025 21,528 2026 18,896 Thereafter 52,122 Total $ 129,805

SECURITIES

SECURITIES	6 Months Ended
	Jun. 30, 2023
Investments, Debt and Equity Securities [Abstract]
SECURITIES	SECURITIES The amortized cost and fair value of investment securities were as follows: June 30, 2023 Amortized Gross Gross Fair (In thousands) Available for Sale U.S. government and agency securities $ 420,321 $ 156 $ (15,595) $ 404,882 Municipal securities 259,423 2,177 (32,402) 229,198 Agency mortgage-backed pass-through securities 385,780 272 (41,671) 344,381 Agency collateralized mortgage obligations 455,153 1 (66,382) 388,772 Corporate bonds and other 124,626 53 (13,690) 110,989 Total $ 1,645,303 $ 2,659 $ (169,740) $ 1,478,222 December 31, 2022 Amortized Gross Gross Fair (In thousands) Available for Sale U.S. government and agency securities $ 433,417 $ 90 $ (19,227) $ 414,280 Municipal securities 580,076 4,319 (43,826) 540,569 Agency mortgage-backed pass-through securities 370,471 362 (42,032) 328,801 Agency collateralized mortgage obligations 461,760 — (67,630) 394,130 Corporate bonds and other 143,192 2 (13,388) 129,806 Total $ 1,988,916 $ 4,773 $ (186,103) $ 1,807,586 As of June 30, 2023, no allowance for credit losses has been recognized on available for sale securities in an unrealized loss position as management does not believe any of the securities are impaired due to reasons of credit quality. This is based upon our analysis of the underlying risk characteristics, including credit ratings, and other qualitative factors related to our available for sale securities and in consideration of our historical credit loss experience and internal forecasts. The issuers of these securities continue to make timely principal and interest payments under the contractual terms of the securities. Furthermore, management does not have the intent to sell any of the securities classified as available for sale in the table above and believes that it is more likely than not that we will not have to sell any such securities before a recovery of cost. The unrealized losses are due to increases in market interest rates over the yields available at the time the underlying securities were purchased. The fair value is expected to recover as the securities approach their maturity date or repricing date or if market yields for such investments decline. The amortized cost and fair value of investment securities at June 30, 2023, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations at any time with or without call or prepayment penalties. Amortized Fair (In thousands) Due in one year or less $ 77,538 $ 76,185 Due after one year through five years 179,555 167,715 Due after five years through ten years 133,247 121,458 Due after ten years 414,030 379,711 Subtotal 804,370 745,069 Agency mortgage-backed pass-through securities and collateralized mortgage obligations 840,933 733,153 Total $ 1,645,303 $ 1,478,222 Securities with unrealized losses segregated by length of time such securities have been in a continuous loss position are as follows: June 30, 2023 Less than 12 Months More than 12 Months Total Estimated Unrealized Estimated Unrealized Estimated Unrealized (In thousands) Available for Sale U.S. government and agency securities $ 114,612 $ (1,871) $ 260,133 $ (13,724) $ 374,745 $ (15,595) Municipal securities 9,423 (193) 173,602 (32,209) 183,025 (32,402) Agency mortgage-backed pass-through securities 73,644 (2,529) 247,615 (39,142) 321,259 (41,671) Agency collateralized mortgage obligations 11,239 (36) 374,339 (66,346) 385,578 (66,382) Corporate bonds and other 33,323 (2,830) 60,977 (10,860) 94,300 (13,690) Total $ 242,241 $ (7,459) $ 1,116,666 $ (162,281) $ 1,358,907 $ (169,740) December 31, 2022 Less than 12 Months More than 12 Months Total Estimated Unrealized Estimated Unrealized Estimated Unrealized (In thousands) Available for Sale U.S. government and agency securities $ 99,732 $ (1,427) $ 305,256 $ (17,800) $ 404,988 $ (19,227) Municipal securities 228,192 (14,473) 134,640 (29,353) 362,832 (43,826) Agency mortgage-backed pass-through securities 95,291 (7,612) 199,836 (34,420) 295,127 (42,032) Agency collateralized mortgage obligations 117,147 (14,426) 276,925 (53,204) 394,072 (67,630) Corporate bonds and other 72,913 (5,704) 49,893 (7,684) 122,806 (13,388) Total $ 613,275 $ (43,642) $ 966,550 $ (142,461) $ 1,579,825 $ (186,103) During the six months ended June 30, 2023, the Company sold $320.4 million of securities recording gross gains of $234 thousand. There were no securities sold during the six months ended June 30, 2022. At June 30, 2023 and December 31, 2022, the Company did not own securities of any one issuer, other than the U.S. government and its agencies, in an amount greater than 10% of consolidated shareholders’ equity at such respective dates. The carrying value of pledged securities was $1.07 billion at June 30, 2023 and $978.9 million at December 31, 2022. The majority of the securities in each case were pledged to collateralize public fund deposits.

LOANS AND ALLOWANCE FOR CREDIT

LOANS AND ALLOWANCE FOR CREDIT LOSSES	6 Months Ended
	Jun. 30, 2023
Receivables [Abstract]
LOANS AND ALLOWANCE FOR CREDIT LOSSES	LOANS AND ALLOWANCE FOR CREDIT LOSSES The loan portfolio balances, net of unearned income and fees, consist of various types of loans primarily made to borrowers located within Texas and are segregated by class of loan as follows: June 30, 2023 December 31, 2022 (In thousands) Commercial and industrial $ 1,512,476 $ 1,455,795 Paycheck Protection Program (PPP) 8,027 13,226 Real estate: Commercial real estate (including multi-family residential) 4,038,487 3,931,480 Commercial real estate construction and land development 1,136,124 1,037,678 1-4 family residential (including home equity) 1,009,439 1,000,956 Residential construction 311,208 268,150 Consumer and other 52,957 47,466 Total loans 8,068,718 7,754,751 Allowance for credit losses on loans (100,195) (93,180) Loans, net $ 7,968,523 $ 7,661,571 Nonaccrual and Past Due Loans An aging analysis of the recorded investment in past due loans, segregated by class of loans, is included below. The Company defines recorded investment as the outstanding loan balances including net deferred loan fees, and excluding accrued interest receivable of $35.1 million and $34.1 million as of June 30, 2023 and December 31, 2022, respectively, due to immateriality. June 30, 2023 Loans Past Due and Still Accruing Nonaccrual Current Total 30-89 90 or More Total Past (In thousands) Commercial and industrial $ 2,210 $ — $ 2,210 $ 22,800 $ 1,487,466 $ 1,512,476 Paycheck Protection Program (PPP) 56 — 56 168 7,803 8,027 Real estate: Commercial real estate (including multi-family residential) 3,302 — 3,302 8,221 4,026,964 4,038,487 Commercial real estate construction and land development 4,573 — 4,573 388 1,131,163 1,136,124 1-4 family residential (including home equity) 8,332 — 8,332 10,880 990,227 1,009,439 Residential construction 662 — 662 665 309,881 311,208 Consumer and other 142 — 142 227 52,588 52,957 Total loans $ 19,277 $ — $ 19,277 $ 43,349 $ 8,006,092 $ 8,068,718 December 31, 2022 Loans Past Due and Still Accruing Nonaccrual Current Total 30-89 90 or More Total Past (In thousands) Commercial and industrial $ 1,591 $ — $ 1,591 $ 25,297 $ 1,428,907 $ 1,455,795 Paycheck Protection Program (PPP) 517 — 517 105 12,604 13,226 Real estate: Commercial real estate (including multi-family residential) 3,222 — 3,222 9,970 3,918,288 3,931,480 Commercial real estate construction and land development 851 — 851 — 1,036,827 1,037,678 1-4 family residential (including home equity) 3,385 — 3,385 9,404 988,167 1,000,956 Residential construction — — — — 268,150 268,150 Consumer and other 192 — 192 272 47,002 47,466 Total loans $ 9,758 $ — $ 9,758 $ 45,048 $ 7,699,945 $ 7,754,751 Credit Quality Indicators The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt. The Company utilizes a risk rating matrix to assign a risk rating to each of its loans. Loans are rated on a scale of 10 to 90. Risk ratings are updated on an ongoing basis and are subject to change by continuous loan monitoring processes including lending management monitoring, executive management and board committee oversight, and independent credit review. As part of the ongoing monitoring of the credit quality of the Company’s loan portfolio and methodology for calculating the allowance for credit losses, management assigns and tracks certain risk ratings to be used as credit quality indicators including trends related to (1) the weighted-average risk grade of loans, (2) the level of classified loans, (3) the delinquency status of loans, (4) nonperforming loans and (5) the general economic conditions in the our markets. Individual bankers, under the oversight of credit administration, review updated financial information for all pass grade commercial loans to reassess the risk grade on at least an annual basis. When a loan reaches a set of internally designated criteria, including Substandard or higher, a special assets officer will be involved in the monitoring of the loan on an on-going basis. The following is a general description of the risk ratings used by the Company: Pass —Credits in this category contain an acceptable amount of risk. Special Mention —Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Substandard —Loans classified as substandard have well-defined weaknesses on a continuing basis and are inadequately protected by the current net worth and paying capacity of the borrower, declining collateral values, or a continuing downturn in their industry which is reducing their profits to below zero and having a significantly negative impact on their cash flow. These loans so classified are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Doubtful —Loans classified as doubtful have all the weaknesses inherent in those classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full on the basis of currently existing facts, conditions and values, highly questionable and improbable. Loss —Loans classified as loss are to be charged-off or charged-down when payment is acknowledged to be uncertain or when the timing or value of payments cannot be determined. “Loss” is not intended to imply that the loan or some portion of it will never be paid, nor does it in any way imply that there has been a forgiveness of debt. The following table presents risk ratings by category of loan as of June 30, 2023 and December 31, 2022: As of June 30, 2023 As of December 31, 2022 Term Loans Amortized Cost Basis by Origination Year Revolving Revolving Loans Total Total 2023 2022 2021 2020 2019 Prior (In thousands) Commercial and industrial Pass $ 179,607 $ 330,548 $ 202,720 $ 61,221 $ 42,300 $ 31,586 $ 558,826 $ 50,630 $ 1,457,438 $ 1,400,191 Special Mention — 349 492 446 381 2 8,173 836 10,679 18,982 Substandard 510 5,279 18,110 1,197 12,511 344 5,263 1,094 44,308 36,568 Doubtful — 51 — — — — — — 51 54 Total commercial and industrial loans $ 180,117 $ 336,227 $ 221,322 $ 62,864 $ 55,192 $ 31,932 $ 572,262 $ 52,560 $ 1,512,476 $ 1,455,795 Current-period gross charge-offs $ — $ 95 $ 126 $ 456 $ — $ — $ 373 $ 434 $ 1,484 Paycheck Protection Program (PPP) Pass $ — $ — $ 4,858 $ 3,169 $ — $ — $ — $ — $ 8,027 $ 13,226 Special Mention — — — — — — — — — — Substandard — — — — — — — — — — Doubtful — — — — — — — — — — Total PPP loans $ — $ — $ 4,858 $ 3,169 $ — $ — $ — $ — $ 8,027 $ 13,226 Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial real estate (including multi-family residential) Pass $ 283,360 $ 1,304,844 $ 844,501 $ 473,336 $ 356,126 $ 549,716 $ 131,751 $ 20,950 $ 3,964,584 $ 3,844,951 Special Mention 942 135 7,005 7,269 796 12,611 587 — 29,345 18,183 Substandard 1,903 4,711 11,580 7,274 5,048 13,855 187 — 44,558 68,346 Doubtful — — — — — — — — — — Total commercial real estate (including multi-family residential) loans $ 286,205 $ 1,309,690 $ 863,086 $ 487,879 $ 361,970 $ 576,182 $ 132,525 $ 20,950 $ 4,038,487 $ 3,931,480 Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial real estate construction and land development Pass $ 154,065 $ 522,070 $ 299,038 $ 35,881 $ 33,778 $ 10,070 $ 62,503 $ 658 $ 1,118,063 $ 1,025,141 Special Mention — 3,814 1,945 142 303 209 — — 6,413 832 Substandard — 581 10,477 89 82 270 — 149 11,648 11,705 Doubtful — — — — — — — — — — Total commercial real estate construction and land development $ 154,065 $ 526,465 $ 311,460 $ 36,112 $ 34,163 $ 10,549 $ 62,503 $ 807 $ 1,136,124 $ 1,037,678 Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — As of June 30, 2023 As of December 31, 2022 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Revolving Loans 2023 2022 2021 2020 2019 Prior Total Total (In thousands) 1-4 family residential (including Pass $ 85,495 $ 245,898 $ 227,583 $ 119,543 $ 75,722 $ 109,646 $ 107,781 $ 8,692 $ 980,360 $ 969,396 Special Mention — 57 — 1,614 — 196 — 190 2,057 3,714 Substandard 722 2,410 2,526 2,302 4,039 5,289 7,076 2,658 27,022 27,846 Doubtful — — — — — — — — — — Total 1-4 family residential (including home equity) $ 86,217 $ 248,365 $ 230,109 $ 123,459 $ 79,761 $ 115,131 $ 114,857 $ 11,540 $ 1,009,439 $ 1,000,956 Current-period gross charge-offs $ — $ — $ — $ — $ — $ 23 $ — $ — $ 23 Residential construction Pass $ 75,514 $ 177,850 $ 16,576 $ 7,682 $ 661 $ 1,378 $ 27,385 $ — $ 307,046 $ 266,943 Special Mention — — — — — — — — — 421 Substandard 868 665 2,629 — — — — — 4,162 786 Doubtful — — — — — — — — — — Total residential construction $ 76,382 $ 178,515 $ 19,205 $ 7,682 $ 661 $ 1,378 $ 27,385 $ — $ 311,208 $ 268,150 Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Consumer and other Pass $ 20,268 $ 10,715 $ 4,645 $ 2,248 $ 791 $ 619 $ 12,716 $ 633 $ 52,635 $ 47,062 Special Mention — 30 1 — — — — — 31 43 Substandard — 67 37 — 71 5 4 107 291 361 Doubtful — — — — — — — — — — Total consumer and other $ 20,268 $ 10,812 $ 4,683 $ 2,248 $ 862 $ 624 $ 12,720 $ 740 $ 52,957 $ 47,466 Current-period gross charge-offs $ — $ 38 $ — $ — $ — $ — $ — $ — $ 38 Total loans Pass $ 798,309 $ 2,591,925 $ 1,599,921 $ 703,080 $ 509,378 $ 703,015 $ 900,962 $ 81,563 $ 7,888,153 $ 7,566,910 Special Mention 942 4,385 9,443 9,471 1,480 13,018 8,760 1,026 48,525 42,175 Substandard 4,003 13,713 45,359 10,862 21,751 19,763 12,530 4,008 131,989 145,612 Doubtful — 51 — — — — — — 51 54 Total loans $ 803,254 $ 2,610,074 $ 1,654,723 $ 723,413 $ 532,609 $ 735,796 $ 922,252 $ 86,597 $ 8,068,718 $ 7,754,751 Total current-period gross charge-offs $ — $ 133 $ 126 $ 456 $ — $ 23 $ 373 $ 434 $ 1,545 The following table presents the activity in the allowance for credit losses on loans by portfolio type for the three and six months ended June 30, 2023 and 2022: Commercial and industrial Paycheck Protection Program (PPP) Commercial real estate (including multi-family residential) Commercial real estate construction and land development 1-4 family residential (including home equity) Residential construction Consumer and other Total (In thousands) Allowance for credit losses on loans: Three Months Ended Balance March 31, 2023 $ 39,516 $ — $ 37,700 $ 13,579 $ 2,832 $ 2,089 $ 472 $ 96,188 Provision for credit losses on loans (814) — 1,263 921 1,946 991 (64) 4,243 Charge-offs (1,058) — — — (23) — (30) (1,111) Recoveries 861 — — — 2 — 12 875 Net charge-offs (197) — — — (21) — (18) (236) Balance June 30, 2023 $ 38,505 $ — $ 38,963 $ 14,500 $ 4,757 $ 3,080 $ 390 $ 100,195 Six Months Ended Balance December 31, 2022 $ 41,236 $ — $ 32,970 $ 14,121 $ 2,709 $ 1,796 $ 348 $ 93,180 Provision for credit losses on loans (2,316) 5,979 379 2,062 1,284 55 7,443 Charge-offs (1,484) — — — (23) — (38) (1,545) Recoveries 1,069 — 14 — 9 — 25 1,117 Net charge-offs (415) — 14 — (14) — (13) (428) Balance June 30, 2023 $ 38,505 $ — $ 38,963 $ 14,500 $ 4,757 $ 3,080 $ 390 $ 100,195 Three Months Ended Balance March 31, 2022 $ 16,295 $ — $ 24,877 $ 6,147 $ 752 $ 1,093 $ 51 $ 49,215 Provision for credit losses on loans 1,010 — (855) 1,197 284 (45) 7 1,598 Charge-offs (615) — (72) — — — — (687) Recoveries 11 — 50 55 — — — 116 Net charge-offs (604) — (22) 55 — — — (571) Balance June 30, 2022 $ 16,701 $ — $ 24,000 $ 7,399 $ 1,036 $ 1,048 $ 58 $ 50,242 Six Months Ended Balance December 31, 2021 $ 16,629 $ — $ 23,143 $ 6,263 $ 847 $ 975 $ 83 $ 47,940 Provision for credit losses on loans 627 — 1,134 1,144 189 73 23 3,190 Charge-offs (956) — (327) (63) — — (48) (1,394) Recoveries 401 — 50 55 — — — 506 Net charge-offs (555) — (277) (8) — — (48) (888) Balance June 30, 2022 $ 16,701 $ — $ 24,000 $ 7,399 $ 1,036 $ 1,048 $ 58 $ 50,242 Allowance for Credit Losses on Unfunded Commitments In addition to the allowance for credit losses on loans, the Company has established an allowance for credit losses on unfunded commitments, classified in other liabilities and adjusted as a provision for credit loss expense. The allowance represents estimates of expected credit losses over the contractual period in which there is exposure to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by the Company. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on the commitments expected to fund. The estimate of commitments expected to fund is informed by historical analysis looking at utilization rates. The expected credit loss rates applied to the commitments expected to fund is informed by the general valuation allowance utilized for outstanding balances with the same underlying assumptions and drivers. The allowance for credit losses on unfunded commitments as of June 30, 2023 and December 31, 2022 was $10.1 million and $12.0 million, respectively. This reserve is maintained at a level management believes to be sufficient to absorb losses arising from unfunded loan commitments. The Company recorded a $2.3 million reversal of provision on unfunded commitments during the three months ended June 30, 2023 compared to a provision of $544 thousand for the three months ended June 30, 2022 and recorded a $1.9 million reversal of provision on unfunded commitments for the six months ended June 30, 2023 compared to a provision of $767 thousand for the six months ended June 30, 2022. Collateral dependent loans are secured by real estate assets, accounts receivable, inventory and equipment. For a collateral dependent loan, the Company’s evaluation process includes a valuation by appraisal or other collateral analysis adjusted for selling costs, when appropriate. This valuation is compared to the remaining outstanding principal balance of the loan. If a loss is determined to be probable, the loss is included in the allowance for credit losses on loans as a specific allocation. The following tables present the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses as of June 30, 2023 and December 31, 2022: As of June 30, 2023 Real Estate Business Assets Other Total (In thousands) Commercial and industrial $ — $ 15,718 $ — $ 15,718 Real estate: Commercial real estate (including multi-family residential) 4,715 — — 4,715 Commercial real estate construction and land development 174 — — 174 1-4 family residential (including home equity) 2,093 — — 2,093 Residential construction 665 — — 665 Consumer and other — — — — Total $ 7,647 $ 15,718 $ — $ 23,365 As of December 31, 2022 Real Estate Business Assets Other Total (In thousands) Commercial and industrial $ — $ 18,411 $ 30 $ 18,441 Real estate: Commercial real estate (including multi-family residential) 1,612 — — 1,612 Commercial real estate construction and land development — — — — 1-4 family residential (including home equity) 3,478 — — 3,478 Residential construction — — — — Consumer and other — — — — Total $ 5,090 $ 18,411 $ 30 $ 23,531 The following tables present additional information regarding nonaccrual loans. No interest income was recognized on nonaccrual loans as of June 30, 2023 and December 31, 2022. As of June 30, 2023 Nonaccrual Loans with No Related Allowance Nonaccrual Loans with Related Allowance Total Nonaccrual Loans (In thousands) Commercial and industrial $ 1,487 $ 21,313 $ 22,800 Paycheck Protection Program (PPP) 168 — 168 Real estate: Commercial real estate (including multi-family residential) 6,983 1,238 8,221 Commercial real estate construction and land development 388 — 388 1-4 family residential (including home equity) 7,300 3,580 10,880 Residential construction 665 — 665 Consumer and other 60 167 227 Total loans $ 17,051 $ 26,298 $ 43,349 As of December 31, 2022 Nonaccrual Loans with No Related Allowance Nonaccrual Loans with Related Allowance Total Nonaccrual Loans (In thousands) Commercial and industrial $ 2,776 $ 22,521 $ 25,297 Paycheck Protection Program (PPP) 105 — 105 Real estate: Commercial real estate (including multi-family residential) 8,704 1,266 9,970 Commercial real estate construction and land development — — — 1-4 family residential (including home equity) 4,856 4,548 9,404 Residential construction — — — Consumer and other 94 178 272 Total loans $ 16,535 $ 28,513 $ 45,048 Loan Modifications and Troubled Debt Restructurings Effective January 1, 2023, under ASU 2022-02, loan modifications are reported if concessions have been granted to borrowers that are experiencing financial difficulty. Information on these loan modifications originated after the effective date is presented according to the new accounting guidance. Reporting periods prior to the adoption of ASU 2022-02 present information on troubled debt restructurings ("TDRs") under the previous disclosure requirements. The percentage of loans modified comprised less than 1% of their respective classes of loan portfolios at June 30, 2023. The following tables present information regarding loans that were modified due to the borrowers experiencing financial difficulty during the three and six months ended June 30, 2023: Three Months Ended June 30, 2023 Interest Rate Reduction Term Extension Payment Delay Principal forgiveness Combination Term Extension and Principal Forgiveness Combination Term Extension and Payment Delay Total (In thousands) Commercial and industrial $ — $ — $ — $ — $ — $ 260 $ 260 Real estate: Commercial real estate (including multi-family residential) — — — — — 1,710 1,710 Commercial real estate construction and land development — 6,950 — — — — 6,950 1-4 family residential (including home equity) — — — — — — — Residential construction — — — — — — — Consumer and other — 96 — — — — 96 Total $ — $ 7,046 $ — $ — $ — $ 1,970 $ 9,016 Six Months Ended June 30, 2023 Interest Rate Reduction Term Extension Payment Delay Principal forgiveness Combination Term Extension and Principal Forgiveness Combination Term Extension and Payment Delay Total (In thousands) Commercial and industrial $ 92 $ 2,251 $ — $ — $ — $ 260 $ 2,603 Real estate: Commercial real estate (including multi-family residential) — — 790 — — 1,710 2,500 Commercial real estate construction and land development — 6,950 — — — — 6,950 1-4 family residential (including home equity) — 721 — — — — 721 Residential construction — — — — — — — Consumer and other — 96 — — — — 96 Total $ 92 $ 10,018 $ 790 $ — $ — $ 1,970 $ 12,870 The following table summarizes, by loan portfolio, the financial effect of the Company's loan modifications for the three and six months ended June 30, 2023: Three Months Ended June 30, 2023 Six Months Ended June 30, 2023 Weighted Average Interest Rate Reduction Weighted Average Term Extension Weighted Average Interest Rate Reduction Weighted Average Term Extension (months) (months) Commercial and industrial (1) — % 12 2.0 % 12 Real estate: Commercial real estate (including multi-family residential) — % 12 — % 12 Commercial real estate construction and land development — % 12 — % 12 1-4 family residential (including home equity) — % — — % 12 Residential construction — % — — % — Consumer and other — % 4 — % 4 (1) No financial effect as a result of the loan modification reducing the interest rate as the loan was on nonaccrual. The following table summarizes loans that had a payment default within the past twelve months that were modified due to the borrowers experiencing financial difficulty during the three and six months ended June 30, 2023: Interest Rate Reduction Term Extension Payment Delay Principal forgiveness (In thousands) Commercial and industrial $ 92 $ 670 $ — $ — Real estate: Commercial real estate (including multi-family residential) — — — — Commercial real estate construction and land development — — — — 1-4 family residential (including home equity) — 721 — — Residential construction — — — — Consumer and other — — — — $ 92 $ 1,391 $ — $ — The following table presents information regarding loans modified in a troubled debt restructuring during the three and six months ended June 30, 2022: Three Months Ended June 30, 2022 Six Months Ended June 30, 2022 Number of Contracts Pre-modifications of Outstanding Recorded Investment Post-modifications of Outstanding Recorded Investment Number of Contracts Pre-modifications of Outstanding Recorded Investment Post-modifications of Outstanding Recorded Investment (Dollars in thousands) Troubled Debt Restructurings Commercial and industrial 3 $ 544 $ 544 3 $ 544 $ 544 Real estate: Commercial real estate (including multi-family residential) — — — 4 1,207 1,207 Total 3 $ 544 $ 544 7 $ 1,751 $ 1,751 Troubled debt restructurings resulted in no charge-offs during the six months ended June 30, 2022. There were no loans modified under a trouble debt restructuring during the previous twelve-month period that subsequently defaulted during the six-month ended June 30, 2022. Default is determined to at 90 or more days past due. The trouble debt restructurings related to extending the amortization periods of the loans. The Company did not grant principal reductions on any restructured loans during the six months ended June 30, 2022. There were no commitments to lend additional amounts to trouble debt restructured loans for the three and six months ended June 30, 2022.

LEASES

LEASES	6 Months Ended
	Jun. 30, 2023
Leases [Abstract]
LEASES	LEASES Lease payments over the expected term are discounted using the Company’s incremental borrowing rate for borrowings of similar terms. Generally, the Company cannot be reasonably certain about whether or not it will renew a lease until such time as the lease is within the last two years of the existing lease term. When the Company is reasonably certain that a renewal option will be exercised, it measures/remeasures the right-of-use asset and related lease liability using the lease payments specified for the renewal period or, if such amounts are unspecified, the Company generally assumes an increase (evaluated on a case-by-case basis in light of prevailing market conditions) in the lease payment over the final period of the existing lease term. There were no sale and leaseback transactions, leveraged leases or lease transactions with related parties during the six months ended June 30, 2023 and 2022. At June 30, 2023, the Company had 32 leases consisting of branch locations and office space. On the June 30, 2023 balance sheet, the right-of-use asset is classified within premises and equipment and the lease liability is included in other liabilities. The Company also owns certain office facilities which it leases to outside parties under operating lessor leases; however, such leases are not significant. All leases were classified as operating leases. Leases with an initial term of 12 months or less are not recorded on the balance sheet and the related lease expense is recognized on a straight-line basis over the lease term. Certain leases include options to renew, with renewal terms that can extend the lease term from one Supplemental lease information at the dates indicated is as follows: June 30, 2023 December 31, 2022 (Dollars in thousands) Balance Sheet: Operating lease right of use asset classified as premises and equipment $ 21,451 $ 23,538 Operating lease liability classified as other liabilities $ 21,098 $ 23,136 Weighted average lease term, in years 7.99 8.18 Weighted average discount rate 4.10 % 4.00 % Lease costs for the dates indicated is as follows: Three Months Ended June 30, Six Months Ended June 30, 2023 2022 2023 2022 (In thousands) Income Statement: Operating lease cost $ 1,579 $ 831 $ 3,393 $ 1,723 Short-term lease cost 10 — 15 — Total operating lease costs $ 1,589 $ 831 $ 3,408 $ 1,723 A maturity analysis of the Company’s lease liabilities is as follows: June 30, 2023 December 31, 2022 (In thousands) Lease payments due: Within one year $ 2,296 $ 4,634 After one but within two years 4,121 4,121 After two but within three years 3,684 3,684 After three but within four years 3,130 3,132 After four but within five years 2,918 2,918 After five years 9,303 9,303 Total lease payments 25,452 27,792 Less: discount on cash flows 4,354 4,656 Total lease liability $ 21,098 $ 23,136

FAIR VALUE

FAIR VALUE	6 Months Ended
	Jun. 30, 2023
Fair Value Disclosures [Abstract]
FAIR VALUE	FAIR VALUE The Company uses fair value measurements to record fair value adjustments to certain assets and to determine fair value disclosures. Fair value represents the exchange price that would be received from selling an asset or paid to transfer a liability, otherwise known as an “exit price,” in the principal or most advantageous market available to the entity in an orderly transaction between market participants on the measurement date. Fair Value Hierarchy Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. The Company groups financial assets and financial liabilities measured at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. These levels are: • Level 1—Quoted prices for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. • Level 2—Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. • Level 3—Significant unobservable inputs that reflect management’s judgment and assumptions that market participants would use in pricing an asset or liability that are supported by little or no market activity. The carrying amounts and estimated fair values of financial instruments that are reported on the balance sheet are as follows: As of June 30, 2023 Estimated Fair Value Carrying Level 1 Level 2 Level 3 Total (In thousands) Financial assets Cash and cash equivalents $ 304,089 $ 304,089 $ — $ — $ 304,089 Available for sale securities 1,478,222 — 1,478,222 — 1,478,222 Loans held for investment, net of allowance 7,968,523 — — 7,713,018 7,713,018 Accrued interest receivable 42,051 163 6,745 35,143 42,051 Financial liabilities Deposits $ 8,766,369 $ — $ 8,754,102 $ — $ 8,754,102 Accrued interest payable 4,555 — 4,555 — 4,555 Borrowed funds 369,963 — 369,990 — 369,990 Subordinated debt 109,566 — 108,029 — 108,029 As of December 31, 2022 Estimated Fair Value Carrying Level 1 Level 2 Level 3 Total (In thousands) Financial assets Cash and cash equivalents $ 371,705 $ 371,705 $ — $ — $ 371,705 Available for sale securities 1,807,586 — 1,807,586 — 1,807,586 Loans held for investment, net of allowance 7,661,571 — — 7,555,602 7,555,602 Accrued interest receivable 44,743 25 10,585 34,133 44,743 Financial liabilities Deposits $ 9,267,632 $ — $ 9,256,141 $ — $ 9,256,141 Accrued interest payable 2,098 — 2,098 — 2,098 Borrowed funds 63,925 — 63,999 — 63,999 Subordinated debt 109,367 — 107,910 — 107,910 The following tables present fair values for assets and liabilities measured at fair value on a recurring basis. There were no liabilities measured at fair value on a recurring basis as of June 30, 2023. June 30, 2023 Level 1 Level 2 Level 3 Total (In thousands) Financial assets Available for sale securities: U.S. government and agency securities $ — $ 404,882 $ — $ 404,882 Municipal securities — 229,198 — 229,198 Agency mortgage-backed pass-through securities — 344,381 — 344,381 Agency collateralized mortgage obligations — 388,772 — 388,772 Corporate bonds and other — 110,989 — 110,989 Interest rate swaps — — 8,841 8,841 Credit risk participation agreements — — 23 23 Total fair value of financial assets $ — $ 1,478,222 $ 8,864 $ 1,487,086 Financial liabilities Interest rate swaps $ — $ — $ 8,841 $ 8,841 Total fair value of financial liabilities $ — $ — $ 8,841 $ 8,841 December 31, 2022 Level 1 Level 2 Level 3 Total (In thousands) Financial assets Available for sale securities: U.S. government and agency securities $ — $ 414,280 $ — $ 414,280 Municipal securities — 540,569 — 540,569 Agency mortgage-backed pass-through securities — 328,801 — 328,801 Agency collateralized mortgage obligations — 394,130 — 394,130 Corporate bonds and other — 129,806 — 129,806 Interest rate swaps — — 9,263 9,263 Credit risk participation agreements — — 27 27 Total fair value of financial assets $ — $ 1,807,586 $ 9,290 $ 1,816,876 Financial liabilities Interest rate swaps $ — $ — $ 9,263 $ 9,263 Total fair value of financial liabilities $ — $ — $ 9,263 $ 9,263 There were no transfers between levels during the six months ended June 30, 2023 or 2022. Assets measured at fair value on a nonrecurring basis are summarized in the table below. There were no liabilities measured at fair value on a nonrecurring basis at June 30, 2023 and December 31, 2022. June 30, 2023 Level 1 Level 2 Level 3 (In thousands) Loans: Commercial and industrial $ — $ — $ 11,991 Commercial real estate (including multi-family residential) — — 2,752 Commercial real estate construction and land development — — 6,751 1-4 family residential (including home equity) — — 2,045 Branch assets held for sale 5,852 — — $ 5,852 $ — $ 23,539 December 31, 2022 Level 1 Level 2 Level 3 (In thousands) Loans: Commercial and industrial $ — $ — $ 21,948 Commercial real estate (including multi-family residential) — — 11,566 1-4 family residential (including home equity) — — 2,883 Branch assets held for sale 5,165 — — $ 5,165 $ — $ 36,397 Branch assets held for sale include banking centers that have closed and are for sale.

DEPOSITS

DEPOSITS	6 Months Ended
	Jun. 30, 2023
Deposit Liabilities [Abstract]
DEPOSITS	DEPOSITS Time deposits that met or exceeded the Federal Deposit Insurance Corporation ("FDIC") insurance limit of $250 thousand at June 30, 2023 and December 31, 2022 were $502.1 million and $432.9 million, respectively. Scheduled maturities of time deposits for the next five years are as follows (in thousands): Within one year $ 1,325,868 After one but within two years 88,265 Over three years 27,118 Total $ 1,441,251 The Company had $537.8 million and $72.5 million of brokered deposits as of June 30, 2023 and December 31, 2022, respectively. There were no concentrations of deposits with any one depositor at June 30, 2023 and December 31, 2022.

DERIVATIVE INSTRUMENTS

DERIVATIVE INSTRUMENTS	6 Months Ended
	Jun. 30, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVE INSTRUMENTS	DERIVATIVE INSTRUMENTS Financial derivatives are reported at fair value in other assets or other liabilities. The accounting for changes in the fair value of a derivative depends on whether it has been designated and qualifies as part of a hedging relationship. Derivatives not designated as hedges The Company has outstanding interest rate swap contracts with certain customers and equal and offsetting interest rate swaps with other financial institutions entered into at the same time. These interest rate swap contracts are not designated as hedging instruments for mitigating interest rate risk. The objective of the transactions is to allow customers to effectively convert a variable rate loan to a fixed rate. In connection with each swap transaction, the Company agreed to pay interest to the customer on a notional amount at a variable interest rate and receive interest from the customer on a similar notional amount at a fixed interest rate. At the same time, the Company agreed to pay a third-party financial institution the same fixed interest rate on the same notional amount and receive the same variable interest rate on the same notional amount. Because the Company acts as an intermediary for its customer, changes in the fair value of the underlying derivative contracts are designed to offset each other and do not significantly impact the Company’s operating results except in certain situations where there is a significant deterioration in the customer’s credit worthiness or that of the counterparties. At June 30, 2023, management determined there was no such deterioration. At June 30, 2023 and December 31, 2022, the Company had 15 and 14 interest rate swap agreements outstanding with borrowers and financial institutions, respectively. These derivative instruments are not designated as accounting hedges and changes in the net fair value are recognized in other noninterest income. Fair value amounts are included in other assets and other liabilities. At June 30, 2023 and December 31, 2022, the Company had three credit risk participation agreements with another financial institution that are associated with interest rate swaps related to loans for which the Company is the lead agent bank and the other financial institution provides credit protection to the Company should the borrower fail to perform under the terms of the interest rate swap agreements. The fair value of the agreements is determined based on the market value of the underlying interest rate swaps adjusted for credit spreads and recovery rates. Derivative instruments not designated as hedges outstanding as of June 30, 2023 were as follows (dollars in thousands): Weighted Average Notional Fair Maturity Classification Amounts Value Fixed Rate Floating Rate (Years) Interest rate swaps: Financial institutions Other assets $ 112,077 $ 8,425 3.25% - 5.58% SOFR CME 1M + 2.50% - 3.00% 4.99 Financial institutions Other assets 4,970 416 4.99% U.S. Prime 4.46 Customers Other liabilities 4,970 (416) 4.99% U.S. Prime 4.46 Customers Other liabilities 112,077 (8,425) 3.25% - 5.58% SOFR CME 1M + 2.50% - 3.00% 4.99 Credit risk participations: Financial institutions Other assets 21,159 23 3.50% - 5.40% SOFR CME 1M + 2.50% 7.86 Derivative instruments not designated as hedges outstanding as of December 31, 2022 were as follows (dollars in thousands): Weighted Average Notional Fair Maturity Classification Amounts Value Fixed Rate Floating Rate (Years) Interest rate swaps: Financial institutions Other assets $ 109,242 $ 8,856 3.25% - 5.58% SOFR CME 1M + 2.50% - 3.00% 5.49 Financial institutions Other assets 5,029 407 4.99% U.S. Prime 4.96 Customers Other liabilities 5,029 (407) 4.99% U.S. Prime 4.96 Customers Other liabilities 109,242 (8,856) 3.25% - 5.58% SOFR CME 1M + 2.50% 5.49 Credit risk participations: Financial institutions Other assets 13,028 2 3.50% LIBOR 1M + 2.50% 7.24 Financial institutions Other assets 8,485 25 5.35% - 5.40% SOFR CME 1M + 2.50% 9.97

BORROWINGS AND BORROWING CAPACI

BORROWINGS AND BORROWING CAPACITY	6 Months Ended
	Jun. 30, 2023
Debt Disclosure [Abstract]
BORROWINGS AND BORROWING CAPACITY	BORROWINGS AND BORROWING CAPACITY The Company has an available line of credit with the Federal Home Loan Bank (“FHLB”) of Dallas, which allows the Company to borrow on a collateralized basis. FHLB advances are used to manage liquidity as needed. The advances are secured by a blanket lien on certain loans. Maturing advances are replaced by drawing on available cash, making additional borrowings or through increased customer deposits. At June 30, 2023, the Company had a total borrowing capacity with the FHLB of $4.10 billion, of which $2.90 billion was available and $1.20 billion was outstanding in/through FHLB advances and letters of credit. There were $370.0 million of FHLB short-term advances outstanding at June 30, 2023 at a weighted-average rate of 5.45%. Letters of credit were $831.3 million at June 30, 2023, of which $91.0 million will expire during the remaining months of 2023, $45.0 million will expire in 2024, $148.0 million will expire in 2025, $52.3 million will expire in 2026, $453.0 million will expire in 2027, $15.0 million will expire in 2028 and $27.0 million will expire in 2029. On December 13, 2022, the Company entered into a loan agreement with another financial institution, or the Loan Agreement, that provides for a $75.0 million revolving line of credit. At June 30, 2023, there were no outstanding borrowings on this line of credit and the Company did not draw on this line of credit during 2023 or 2022. The Company can make draws on the line of credit for a period of 24 months, which began on Decemb er 13, 2 022, after which the Company will not be permitted to make further draws. Interest accrues on outstanding borrowings at a per annum rate equal to the prime rate quoted by The Wall Street Journal and with a floor rate of 3.50% calculated in accordance with the terms of the revolving promissory note and payable quarterly through the first 24 months. The entire outstanding balance and unpaid interest is payable in full on December 13, 2024. The Company may prepay the principal amount of the line of credit without premium or penalty. The obligations of the Company under the Loan Agreement are secured by a pledge of all the issued and outstanding shares of capital stock of Stellar Bank. Covenants made under the Loan Agreement include, among other things, while there any obligations outstanding under Loan Agreement, the Company shall maintain a cash flow to debt service (as defined in the Loan Agreement) of not less than 1.25, the Bank’s Texas Ratio (as defined in the Loan Agreement) not to exceed 25.0%, and the Bank shall maintain a Tier 1 Leverage Ratio (as defined under the Loan Agreement) of at least 7.0% and restrictions on the ability of the Company and its subsidiaries to incur certain additional debt. As of June 30, 2023, the Company believes it was in compliance with all such debt covenants and had not been made aware of any noncompliance by the lender.

SUBORDINATED DEBT

SUBORDINATED DEBT	6 Months Ended
	Jun. 30, 2023
Subordinated Borrowings [Abstract]
SUBORDINATED DEBT	SUBORDINATED DEBT Junior Subordinated Debentures In connection with the acquisitio n of F&M Bancshares, Inc., the Company assumed Farmers & Merchants Capital Trust II and Farmers & Merchants Capital Trust III. Each of these trusts is a capital or statutory business trust organized for the sole purpose of issuing trust securities and investing the proceeds in the Company’s junior subordinated debentures. The preferred trust securities of each trust represent preferred beneficial interests in the assets of the respective trusts and are subject to mandatory redemption upon payment of the junior subordinated debentures held by the trust. The common securities of each trust are wholly owned by the Company. Each trust’s ability to pay amounts due on the trust preferred securities is solely dependent upon the Company making payment on the related junior subordinated debentures. The debentures, which are the only assets of each trust, are subordinate and junior in right of payment to all of the Company’s present and future senior indebtedness. The Company has fully and unconditionally guaranteed each trust’s obligations under the trust securities issued by such trust to the extent not paid or made by such trust, provided such trust has funds available for such obligations. The junior subordinated debentures are included in Tier 1 capital under current regulatory guidelines and interpretations. Under the provisions of each issue of the debentures, the Company has the right to defer payment of interest on the debentures at any time, or from time to time, for periods not exceeding five years. If interest payments on either issue of the debentures are deferred, the distributions on the applicable trust preferred securities and common securities will also be deferred. A summary of pertinent information related to the Company’s issues of junior subordinated debentures outstanding at June 30, 2023 is set forth in the table below: Description Issuance Date Trust Preferred Securities Outstanding Interest Rate (1) Junior Subordinated Debt Owed to Trusts Maturity Date (2) (Dollars in thousands) Farmers & Merchants Capital Trust II November 13, 2003 $ 7,500 3 month LIBOR + 3.00% $ 7,732 November 8, 2033 Farmers & Merchants Capital Trust III June 30, 2005 3,500 3 month LIBOR + 1.80% 3,609 July 7, 2035 $ 11,341 (1) The 3-month LIBOR in effect as of June 30, 2023 was 5.07%. Transitions to an alternative benchmark rate plus a comparable spread adjustment in the event that 30-day LIBOR is no longer published on a future adjustment date. (2) All debentures are currently callable. Subordinated Notes In December 2017, the Bank completed the issuance, through a private placement, of $40.0 million aggregate principal amount of Fixed-to-Floating Rate Subordinated Notes (the "Bank Notes") due December 15, 2027. As of December 15, 2022, the Bank Notes bear a floating rate of interest equal to 3-Month LIBOR + 3.03%, which transitions to an alternative benchmark rate plus a comparable spread adjustment in the event that 30-day LIBOR is no longer published on a future adjustment date, until the Bank Notes mature on December 15, 2027, or such earlier redemption date, payable quarterly in arrears. The Bank Notes are redeemable by the Bank, in whole or in part, on or after December 15, 2022 or, in whole but not in part, upon the occurrence of certain specified tax events, capital events or investment company events. Any redemption will be at a redemption price equal to 100% of the principal amount of Bank Notes being redeemed, plus accrued and unpaid interest, and will be subject to, and require, prior regulatory approval. The Bank Notes are not subject to redemption at the option of the holders. The Bank Notes are eligible for Tier 2 capital treatment, however, during the last five years of the instrument, the amount eligible must be reduced by 20% of the original amount annually and that no amount of the instrument is eligible for inclusion in Tier 2 capital when the remaining maturity of the instrument is less than one year. As the Bank Notes were within five years of maturity, only 80% of the notes are eligible for Tier 2 capital treatment at June 30, 2023. In September 2019, the Company completed the issuance of $60.0 million aggregate principal amount of Fixed-to-Floating Rate Subordinated Notes (the "Company Notes") due October 1, 2029. The Company Notes bear a fixed interest rate of 4.70% per annum until (but excluding) October 1, 2024, payable semi-annually in arrears on April 1 and October 1, commencing on April 1, 2020. Thereafter, from October 1, 2024 through the maturity date, October 1, 2029, or earlier redemption date, the Company Notes will bear interest at a floating rate equal to the then-current three-month LIBOR, plus 313 basis points (3.13%), which transitions to an alternative benchmark rate plus a comparable spread adjustment in the event that 30-day LIBOR is no longer published on a future adjustment date, for each quarterly interest period (subject to certain provisions set forth under “Description of the Notes—Interest Rates and Interest Payment Dates” included in the Prospectus Supplement for the Company Notes), payable quarterly in arrears on January 1, April 1, July 1 and October 1 of each year. Any redemption will be at a redemption price equal to 100% of the principal amount of Company Notes being redeemed, plus accrued and unpaid interest, and will be subject to, and require, prior regulatory approval. The Company Notes are not subject to redemption at the option of the holders.

INCOME TAXES

INCOME TAXES	6 Months Ended
	Jun. 30, 2023
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES The amount of the Company’s federal and state income tax expense is influenced by the amount of pre-tax income, the amount of tax-exempt income and the amount of other nondeductible items. Three Months Ended Six Months Ended June 30, 2023 June 30, 2022 June 30, 2023 June 30, 2022 Income tax expense $ 7,467 $ 3,702 $ 17,380 $ 7,904 Effective income tax rate 17.5 % 18.4 % 19.4 % 18.4 %

STOCK BASED COMPENSATION

STOCK BASED COMPENSATION	6 Months Ended
	Jun. 30, 2023
Share-Based Payment Arrangement [Abstract]
STOCK BASED COMPENSATION	STOCK BASED COMPENSATION In connection with the closing of the Merger on October 1, 2022, the 2022 Omnibus Incentive Plan (the “2022 Plan”) approved by the Company’s shareholders at the special meeting of shareholders on May 23, 2022 became effective. Under the 2022 Plan, the Company is authorized to issue a maximum aggregate of 2,000,000 shares of common stock. All restricted stock and performance share awards outstanding at June 30, 2023 were issued under the 2022 Plan. At June 30, 2023, there were 1,103,050 shares reserved for issuance under the 2022 Plan. The Company accounts for stock based employee compensation plans using the fair value-based method of accounting. The Company recognized total stock based compensation expense of $2.8 million and $931 thousand for the three months ended June 30, 2023 and 2022, respectively, and $5.4 million and $1.9 million for the six months ended June 30, 2023 and 2022, respectively. Stock Options Stock options outstanding at June 30, 2023, were issued prior to the Merger under three equity compensation plans with awards outstanding (1) the Allegiance 2015 Stock Awards and Incentive Plan, (2) the Allegiance 2019 Amended and Restated Stock Awards and Incentive Plan and (3) the CBTX 2014 Stock Option Plan. No additional shares may be issued under these compensation plans. No options to purchase Company stock were granted during the six months ended June 30, 2023. Options are exercisable for up to 10 years from the date of the grant and, dependent on the terms of the applicable award agreement generally vest three A summary of the activity in the stock option plans during the six months ended June 30, 2023 is set forth below: Number of Weighted Weighted Aggregate (Shares in thousands) (In years) (Dollars in thousands) Options outstanding, January 1, 2023 368 $ 17.89 2.72 $ 4,256 Options granted — — Options exercised (25) 13.95 Options forfeited (33) 20.49 Options outstanding, June 30, 2023 310 $ 17.94 2.31 $ 1,656 Options vested and exercisable, June 30, 2023 310 $ 17.94 2.31 $ 1,656 Restricted Stock Awards The fair value of the Company’s restricted stock awards is estimated based on the market value of the Company’s common stock at the date of grant, which is the closing price of the Company’s common stock on the day before the grant date. The shares of restricted stock granted during 2023 generally vest over a period of two Shares of restricted stock are considered outstanding at the date of issuance as the grantee becomes the record owner of the restricted stock and has voting, dividend and other shareholder rights. The shares of restricted stock awards are non-transferable and subject to forfeiture until the restricted stock awards vest and any dividends with respect to the restricted stock awards are subject to the same restrictions, including the risk of forfeiture. A summary of the activity of the nonvested shares of restricted stock during the six months ended June 30, 2023 is as follows: Number of Weighted (Shares in thousands) Nonvested share awards outstanding, January 1, 2023 501 $ 32.84 Share awards granted 253 25.71 Share awards vested (14) 25.99 Unvested share awards forfeited or cancelled (50) 31.11 Nonvested share awards outstanding, June 30, 2023 690 30.49 As of June 30, 2023, there was $5.8 million of total unrecognized compensation cost related to the restricted stock awards which is expected to be recognized over a weighted-average period of 1.89 years. Performance Share Awards ("PSAs") PSAs are generally earned subject to certain performance goals being met after the two-year performance period and will be settled in shares of Company common stock following a one-year service period. There were 119,845 PSAs awarded during the six months ended June 30, 2023. The grant date fair value of the PSAs is based on the probable outcome of the applicable performance conditions and is calculated at target based on a combination of the closing market price of our common stock on the grant date and a Monte Carlo simulated fair value in accordance with ASC 718. At June 30, 2023, there was $1.2 million of unrecognized compensation expense related to the PSAs, which is expected to be recognized over a weighted-average period of 2.1 years.

OFF-BALANCE SHEET ARRANGEMENTS,

OFF-BALANCE SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES	6 Months Ended
	Jun. 30, 2023
Commitments and Contingencies Disclosure [Abstract]
OFF-BALANCE SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES	OFF-BALANCE SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIESIn the normal course of business, the Company enters into various transactions, which, in accordance with accounting principles generally accepted in the United States, are not included in the Company’s consolidated balance sheets. The Company enters into these transactions to meet the financing needs of its customers. These transactions include commitments to extend credit and standby and commercial letters of credit, which involve to varying degrees elements of credit risk and interest rate risk in excess of the amounts recognized in the consolidated balance sheets. The Company uses the same credit policies in making commitments and conditional obligations as it does for on balance sheet instruments. The contractual amounts of financial instruments with off-balance sheet risk are as follows: June 30, 2023 December 31, 2022 Fixed Variable Fixed Variable (In thousands) Commitments to extend credit (1) $ 513,423 $ 1,403,262 $ 673,098 $ 1,686,627 Standby letters of credit 14,818 23,670 10,310 25,190 Total $ 528,241 $ 1,426,932 $ 683,408 $ 1,711,817 1) At June 30, 2023 and December 31, 2022, the Company had FHLB Letters of Credit in the amount of $831.3 million and $1.08 billion, respectively, pledged as collateral for public and other deposits of state and local government agencies. For more information on FHLB borrowings, see Note 10 – Borrowings and Borrowing Capacity. Commitments to Extend Credit Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being fully drawn upon, the total commitment amounts disclosed do not necessarily represent future cash funding requirements. The Company evaluates each customer’s creditworthiness on a case-by-case basis. The Company minimizes its exposure to loss under these commitments by subjecting them to credit approval and monitoring procedures. Management assesses the credit risk associated with certain commitments to extend credit in determining the level of the allowance for credit losses. The amount and type of collateral, if deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the customer. Commitments to make loans are generally made for an approval period of 120 days or fewer. As of June 30, 2023, the fixed rate loan commitments had interest rates ranging from 1.40% to 13.25% with a weighted average maturity and rate of 2.50 years and 5.89%, respectively. Standby Letters of Credit Standby letters of credit are written conditional commitments issued by the Company to guarantee the performance of a customer to a third party. In the event of nonperformance by the customer, the Company has the rights to the underlying collateral. The credit risk to the Company in issuing letters of credit is substantially similar to that involved in extending loan facilities to its customers. The Company’s policy for obtaining collateral, and the nature of such collateral, is substantially similar to that involved in making commitments to extend credit. Litigation

REGULATORY CAPITAL MATTERS

REGULATORY CAPITAL MATTERS	6 Months Ended
	Jun. 30, 2023
Regulatory Capital Matters [Abstract]
REGULATORY CAPITAL MATTERS	REGULATORY CAPITAL MATTERSThe Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Capital adequacy guidelines, and for banks, prompt corrective action regulations, involve quantitative measures of assets, liabilities and certain off balance sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators about components, risk weightings and other factors. Failure to meet minimum capital requirements can cause regulators to initiate actions that, if undertaken, could have a direct material effect on the Company’s consolidated financial statements. The final rules implementing Basel Committee on Banking Supervision's capital guideline for U.S. Banks (Basel III Rules) were fully phased in when the capital conservation buffer reached 2.5%. Management believes as of June 30, 2023 and December 31, 2022, the Company and the Bank met all capital adequacy requirements to which they were then subject. Prompt corrective action regulations provide five classifications: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition. If less than well capitalized, regulatory approval is required to accept brokered deposits. If undercapitalized, capital distributions are limited, as is asset growth and expansion, and capital restoration plans are required. The following is a summary of the Company’s and the Bank’s actual and required capital ratios as of June 30, 2023 and December 31, 2022: Actual Minimum Required for Capital Adequacy Purposes Minimum Required Plus Capital Conservation Buffer To Be Categorized As Well-Capitalized Under Amount Ratio Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) STELLAR BANCORP, INC. (Consolidated) As of June 30, 2023 Total Capital (to risk-weighted assets) $ 1,175,829 13.03 % $ 722,193 8.00 % $ 947,878 10.50 % N/A N/A Common Equity Tier 1 Capital (to risk-weighted assets) 963,620 10.67 % 406,234 4.50 % 631,919 7.00 % N/A N/A Tier 1 Capital (to risk-weighted assets) 973,518 10.78 % 541,645 6.00 % 767,330 8.50 % N/A N/A Tier 1 Leverage (to average tangible assets) 973,518 9.51 % 409,420 4.00 % 409,420 4.00 % N/A N/A As of December 31, 2022 Total Capital (to risk-weighted assets) $ 1,092,618 12.39 % $ 705,765 8.00 % $ 926,317 10.50 % N/A N/A Common Equity Tier 1 Capital (to risk-weighted assets) 885,652 10.04 % 396,993 4.50 % 617,545 7.00 % N/A N/A Tier 1 Capital (to risk-weighted assets) 895,520 10.15 % 529,324 6.00 % 749,876 8.50 % N/A N/A Tier 1 Leverage (to average tangible assets) 895,520 8.55 % 418,720 4.00 % 418,720 4.00 % N/A N/A STELLAR BANK As of June 30, 2023 Total Capital (to risk-weighted assets) $ 1,153,970 12.80 % $ 721,471 8.00 % $ 946,931 10.50 % $ 901,839 10.00 % Common Equity Tier 1 Capital (to risk-weighted assets) 1,011,659 11.22 % 405,827 4.50 % 631,287 7.00 % 586,195 6.50 % Tier 1 Capital (to risk-weighted assets) 1,011,659 11.22 % 541,103 6.00 % 766,563 8.50 % 721,471 8.00 % Tier 1 Leverage (to average tangible assets) 1,011,659 9.89 % 409,051 4.00 % 409,051 4.00 % 511,313 5.00 % As of December 31, 2022 Total Capital (to risk-weighted assets) $ 1,059,313 12.02 % $ 705,120 8.00 % $ 925,470 10.50 % $ 881,400 10.00 % Common Equity Tier 1 Capital (to risk-weighted assets) 921,714 10.46 % 396,630 4.50 % 616,980 7.00 % 572,910 6.50 % Tier 1 Capital (to risk-weighted assets) 921,714 10.46 % 528,840 6.00 % 749,190 8.50 % 705,120 8.00 % Tier 1 Leverage (to average tangible assets) 921,714 8.81 % 418,388 4.00 % 418,388 4.00 % 522,984 5.00 %

EARNINGS PER COMMON SHARE

EARNINGS PER COMMON SHARE	6 Months Ended
	Jun. 30, 2023
Earnings Per Share [Abstract]
EARNINGS PER COMMON SHARE	EARNINGS PER COMMON SHARE Diluted earnings per common share is computed using the weighted-average number of common shares determined for the basic earnings per common share computation plus the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock using the treasury stock method. Outstanding stock options issued by the Company represent the only dilutive effect reflected in diluted weighted average shares. Restricted shares and performance share awards are considered outstanding at the date of grant, accounted for as participating securities and included in basic and diluted weighted average common shares outstanding. Three Months Ended June 30, Six Months Ended June 30, 2023 2022 2023 2022 Amount Per Share Amount Per Share Amount Per Share Amount Per Share (Amounts in thousands, except per share data) Net income attributable to shareholders $ 35,175 $ 16,437 $ 72,323 $ 35,094 Basic: Weighted average shares outstanding 53,297 $ 0.66 28,874 $ 0.57 53,160 $ 1.36 28,879 $ 1.22 Diluted: Add incremental shares for: Dilutive effect of stock option exercises and performance share units 78 246 101 229 Total 53,375 $ 0.66 29,120 $ 0.56 53,261 $ 1.36 29,108 $ 1.21 There were 30,074 and 22,411 antidilutive shares as of June 30, 2023 and 2022, respectively. The basic and diluted weighted average number of shares issued and earnings per share have been retrospectively adjusted to reflect the equivalent number of shares issued to holders of Allegiance common stock in the Merger.

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Pay vs Performance Disclosure
Net income	$ 35,175	$ 16,437	$ 72,323	$ 35,094

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Jun. 30, 2023
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

NATURE OF OPERATIONS AND SUMM_2

NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES (Policies)	6 Months Ended
	Jun. 30, 2023
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation -The accompanying unaudited condensed consolidated financial statements of the Company have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim financial information and in accordance with guidance provided by the Securities and Exchange Commission (“SEC”). Accordingly, the condensed consolidated financial statements do not include all of the information and footnotes required by GAAP for complete financial statements. The preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and accompanying notes. Actual results could differ from those estimates. In the opinion of management, the accompanying unaudited condensed consolidated financial statements reflect all adjustments considered necessary for a fair presentation of the financial position, results of operations and cash flows of the Company on a consolidated basis, and all such adjustments are of a normal recurring nature. Transactions between Stellar and the Bank have been eliminated. The condensed consolidated financial statements should be read in conjunction with the audited consolidated financial statements and footnotes thereto included in the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2022. Operating results for the three and six months ended June 30, 2023 are not necessarily indicative of the results that may be expected for the year ending December 31, 2023. Merger of Equals -The merger of equals (the “Merger”) between Allegiance Bancshares, Inc. (“Allegiance”) and CBTX, Inc. (“CBTX”), was effective on October 1, 2022, with CBTX as the surviving corporation that was renamed Stellar Bancorp, Inc. At the effective time of the Merger, each outstanding share of Allegiance common stock, par value of $1.00 per share, was converted into the right to receive 1.4184 shares of common stock of the Company. Immediately following the Merger, CommunityBank of Texas, N.A. (“CommunityBank”), a national banking association and a wholly-owned subsidiary of CBTX, merged with and into Allegiance Bank, a wholly owned subsidiary of Allegiance, with Allegiance Bank as the surviving bank. In connection with the operational conversion during the first quarter of 2023, Allegiance Bank changed its name to Stellar Bank on February 18, 2023. The Merger constituted a business combination and was accounted for as a reverse merger using the acquisition method of accounting. As a result, Allegiance was the accounting acquirer and CBTX was the legal acquirer and the accounting acquiree. Accordingly, the historical financial statements of Allegiance became the historical financial statements of the combined company for all periods prior to October 1, 2022 (the “Merger Date”). In addition, the assets and liabilities of CBTX have been recorded at their estimated fair values and added to those of Allegiance as of October 1, 2022. The determination of fair value required management to make estimates about discount rates, expected future cash flows, market conditions and other future events that are subjective and subject to change. The Company’s results of operations for the three and six months ended June 30, 2022 reflect Allegiance's historical results and do not include the historical results of CBTX. The Company has substantially completed its valuations of CBTX’s assets and liabilities. The Merger had a significant impact on all aspects of the Company’s financial statements, and financial results for periods after the Merger are not comparable to financial results for periods prior to the Merger. The number of shares issued and outstanding, earnings per share, capital surplus, dividends paid and all references to share quantities of the Company have been retrospectively
Adoption of New Accounting Standards	Adoption of New Accounting StandardsASU 2022-02, "Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures." became effective for the Company for the first quarter of 2023 and did not have a significant impact on the Company’s financial statements. ASU 2022-02 eliminates the troubled debt restructuring ("TDR") accounting model for creditors that have already adopted Topic 326, which is commonly referred to as the current expected credit loss model. In lieu of the TDR accounting model, the Company applies the general loan modification guidance in Subtopic 310-20 to all loan modifications, including modifications made for borrowers experiencing financial difficulty on a prospective basis. Under the general loan modification guidance, a modification is treated as a new loan only if the following two conditions are met: (1) the terms of the new loan are at least as favorable to the lender as the terms for comparable loans to other customers with similar collection risks; and (2) modifications to the terms of the original loan are more than minor. If either condition is not met, the modification is accounted for as the continuation of the old loan with any effect of the modification treated as a prospective adjustment to the loan’s effective interest rate.

ACQUISITIONS (Tables)

ACQUISITIONS (Tables)	6 Months Ended
	Jun. 30, 2023
Business Combination and Asset Acquisition [Abstract]
Schedule of Business Acquisitions, by Acquisition	The table below summarizes the ownership of the combined company following the Merger, for each shareholder group, using shares of CBTX and Allegiance common stock outstanding at September 30, 2022 and Allegiance’s closing price on September 30, 2022 (shares in thousands). Stellar Bancorp, Inc. Ownership Number of CBTX Outstanding Shares Percentage Ownership CBTX shareholders 24,015 46.0 % Allegiance shareholders 28,137 54.0 % Total 52,152 100.0 % The Merger was accounted for as a reverse merger using the acquisition method of accounting, which means that for accounting and financial reporting purposes, Allegiance was deemed to have acquired CBTX in the Merger, even though CBTX was the legal acquirer. Accordingly, Allegiance's historical financial statements are the historical financial statements of the combined company for all periods prior to the Merger Date.

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)	6 Months Ended
	Jun. 30, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Intangible Assets and Goodwill	Changes in the carrying amount of the Company’s goodwill and core deposit intangible assets were as follows: Goodwill Core Deposit Servicing Assets (In thousands) Balance as of December 31, 2021 $ 223,642 $ 14,658 $ — Acquired intangibles 273,618 138,150 329 Amortization — (9,283) (20) Balance as of December 31, 2022 497,260 143,525 309 Amortization — (13,720) (40) Decrease due to payoff of serviced loans — — (18) Balance as of June 30, 2023 $ 497,260 $ 129,805 $ 251
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense	The estimated aggregate future amortization expense for core deposit intangible assets remaining as of June 30, 2023 is as follows (in thousands): Remaining 2023 $ 13,093 2024 24,166 2025 21,528 2026 18,896 Thereafter 52,122 Total $ 129,805

SECURITIES (Tables)

SECURITIES (Tables)	6 Months Ended
	Jun. 30, 2023
Investments, Debt and Equity Securities [Abstract]
Available-for-sale Securities	The amortized cost and fair value of investment securities were as follows: June 30, 2023 Amortized Gross Gross Fair (In thousands) Available for Sale U.S. government and agency securities $ 420,321 $ 156 $ (15,595) $ 404,882 Municipal securities 259,423 2,177 (32,402) 229,198 Agency mortgage-backed pass-through securities 385,780 272 (41,671) 344,381 Agency collateralized mortgage obligations 455,153 1 (66,382) 388,772 Corporate bonds and other 124,626 53 (13,690) 110,989 Total $ 1,645,303 $ 2,659 $ (169,740) $ 1,478,222 December 31, 2022 Amortized Gross Gross Fair (In thousands) Available for Sale U.S. government and agency securities $ 433,417 $ 90 $ (19,227) $ 414,280 Municipal securities 580,076 4,319 (43,826) 540,569 Agency mortgage-backed pass-through securities 370,471 362 (42,032) 328,801 Agency collateralized mortgage obligations 461,760 — (67,630) 394,130 Corporate bonds and other 143,192 2 (13,388) 129,806 Total $ 1,988,916 $ 4,773 $ (186,103) $ 1,807,586
Investments Classified by Contractual Maturity Date	The amortized cost and fair value of investment securities at June 30, 2023, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations at any time with or without call or prepayment penalties. Amortized Fair (In thousands) Due in one year or less $ 77,538 $ 76,185 Due after one year through five years 179,555 167,715 Due after five years through ten years 133,247 121,458 Due after ten years 414,030 379,711 Subtotal 804,370 745,069 Agency mortgage-backed pass-through securities and collateralized mortgage obligations 840,933 733,153 Total $ 1,645,303 $ 1,478,222
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	Securities with unrealized losses segregated by length of time such securities have been in a continuous loss position are as follows: June 30, 2023 Less than 12 Months More than 12 Months Total Estimated Unrealized Estimated Unrealized Estimated Unrealized (In thousands) Available for Sale U.S. government and agency securities $ 114,612 $ (1,871) $ 260,133 $ (13,724) $ 374,745 $ (15,595) Municipal securities 9,423 (193) 173,602 (32,209) 183,025 (32,402) Agency mortgage-backed pass-through securities 73,644 (2,529) 247,615 (39,142) 321,259 (41,671) Agency collateralized mortgage obligations 11,239 (36) 374,339 (66,346) 385,578 (66,382) Corporate bonds and other 33,323 (2,830) 60,977 (10,860) 94,300 (13,690) Total $ 242,241 $ (7,459) $ 1,116,666 $ (162,281) $ 1,358,907 $ (169,740) December 31, 2022 Less than 12 Months More than 12 Months Total Estimated Unrealized Estimated Unrealized Estimated Unrealized (In thousands) Available for Sale U.S. government and agency securities $ 99,732 $ (1,427) $ 305,256 $ (17,800) $ 404,988 $ (19,227) Municipal securities 228,192 (14,473) 134,640 (29,353) 362,832 (43,826) Agency mortgage-backed pass-through securities 95,291 (7,612) 199,836 (34,420) 295,127 (42,032) Agency collateralized mortgage obligations 117,147 (14,426) 276,925 (53,204) 394,072 (67,630) Corporate bonds and other 72,913 (5,704) 49,893 (7,684) 122,806 (13,388) Total $ 613,275 $ (43,642) $ 966,550 $ (142,461) $ 1,579,825 $ (186,103)

LOANS AND ALLOWANCE FOR CREDI_2

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)	6 Months Ended
	Jun. 30, 2023
Receivables [Abstract]
Schedule of Accounts, Notes, Loans and Financing Receivable	The loan portfolio balances, net of unearned income and fees, consist of various types of loans primarily made to borrowers located within Texas and are segregated by class of loan as follows: June 30, 2023 December 31, 2022 (In thousands) Commercial and industrial $ 1,512,476 $ 1,455,795 Paycheck Protection Program (PPP) 8,027 13,226 Real estate: Commercial real estate (including multi-family residential) 4,038,487 3,931,480 Commercial real estate construction and land development 1,136,124 1,037,678 1-4 family residential (including home equity) 1,009,439 1,000,956 Residential construction 311,208 268,150 Consumer and other 52,957 47,466 Total loans 8,068,718 7,754,751 Allowance for credit losses on loans (100,195) (93,180) Loans, net $ 7,968,523 $ 7,661,571
Financing Receivable Credit Quality Indicators	The following table presents risk ratings by category of loan as of June 30, 2023 and December 31, 2022: As of June 30, 2023 As of December 31, 2022 Term Loans Amortized Cost Basis by Origination Year Revolving Revolving Loans Total Total 2023 2022 2021 2020 2019 Prior (In thousands) Commercial and industrial Pass $ 179,607 $ 330,548 $ 202,720 $ 61,221 $ 42,300 $ 31,586 $ 558,826 $ 50,630 $ 1,457,438 $ 1,400,191 Special Mention — 349 492 446 381 2 8,173 836 10,679 18,982 Substandard 510 5,279 18,110 1,197 12,511 344 5,263 1,094 44,308 36,568 Doubtful — 51 — — — — — — 51 54 Total commercial and industrial loans $ 180,117 $ 336,227 $ 221,322 $ 62,864 $ 55,192 $ 31,932 $ 572,262 $ 52,560 $ 1,512,476 $ 1,455,795 Current-period gross charge-offs $ — $ 95 $ 126 $ 456 $ — $ — $ 373 $ 434 $ 1,484 Paycheck Protection Program (PPP) Pass $ — $ — $ 4,858 $ 3,169 $ — $ — $ — $ — $ 8,027 $ 13,226 Special Mention — — — — — — — — — — Substandard — — — — — — — — — — Doubtful — — — — — — — — — — Total PPP loans $ — $ — $ 4,858 $ 3,169 $ — $ — $ — $ — $ 8,027 $ 13,226 Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial real estate (including multi-family residential) Pass $ 283,360 $ 1,304,844 $ 844,501 $ 473,336 $ 356,126 $ 549,716 $ 131,751 $ 20,950 $ 3,964,584 $ 3,844,951 Special Mention 942 135 7,005 7,269 796 12,611 587 — 29,345 18,183 Substandard 1,903 4,711 11,580 7,274 5,048 13,855 187 — 44,558 68,346 Doubtful — — — — — — — — — — Total commercial real estate (including multi-family residential) loans $ 286,205 $ 1,309,690 $ 863,086 $ 487,879 $ 361,970 $ 576,182 $ 132,525 $ 20,950 $ 4,038,487 $ 3,931,480 Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial real estate construction and land development Pass $ 154,065 $ 522,070 $ 299,038 $ 35,881 $ 33,778 $ 10,070 $ 62,503 $ 658 $ 1,118,063 $ 1,025,141 Special Mention — 3,814 1,945 142 303 209 — — 6,413 832 Substandard — 581 10,477 89 82 270 — 149 11,648 11,705 Doubtful — — — — — — — — — — Total commercial real estate construction and land development $ 154,065 $ 526,465 $ 311,460 $ 36,112 $ 34,163 $ 10,549 $ 62,503 $ 807 $ 1,136,124 $ 1,037,678 Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — As of June 30, 2023 As of December 31, 2022 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Revolving Loans 2023 2022 2021 2020 2019 Prior Total Total (In thousands) 1-4 family residential (including Pass $ 85,495 $ 245,898 $ 227,583 $ 119,543 $ 75,722 $ 109,646 $ 107,781 $ 8,692 $ 980,360 $ 969,396 Special Mention — 57 — 1,614 — 196 — 190 2,057 3,714 Substandard 722 2,410 2,526 2,302 4,039 5,289 7,076 2,658 27,022 27,846 Doubtful — — — — — — — — — — Total 1-4 family residential (including home equity) $ 86,217 $ 248,365 $ 230,109 $ 123,459 $ 79,761 $ 115,131 $ 114,857 $ 11,540 $ 1,009,439 $ 1,000,956 Current-period gross charge-offs $ — $ — $ — $ — $ — $ 23 $ — $ — $ 23 Residential construction Pass $ 75,514 $ 177,850 $ 16,576 $ 7,682 $ 661 $ 1,378 $ 27,385 $ — $ 307,046 $ 266,943 Special Mention — — — — — — — — — 421 Substandard 868 665 2,629 — — — — — 4,162 786 Doubtful — — — — — — — — — — Total residential construction $ 76,382 $ 178,515 $ 19,205 $ 7,682 $ 661 $ 1,378 $ 27,385 $ — $ 311,208 $ 268,150 Current-period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Consumer and other Pass $ 20,268 $ 10,715 $ 4,645 $ 2,248 $ 791 $ 619 $ 12,716 $ 633 $ 52,635 $ 47,062 Special Mention — 30 1 — — — — — 31 43 Substandard — 67 37 — 71 5 4 107 291 361 Doubtful — — — — — — — — — — Total consumer and other $ 20,268 $ 10,812 $ 4,683 $ 2,248 $ 862 $ 624 $ 12,720 $ 740 $ 52,957 $ 47,466 Current-period gross charge-offs $ — $ 38 $ — $ — $ — $ — $ — $ — $ 38 Total loans Pass $ 798,309 $ 2,591,925 $ 1,599,921 $ 703,080 $ 509,378 $ 703,015 $ 900,962 $ 81,563 $ 7,888,153 $ 7,566,910 Special Mention 942 4,385 9,443 9,471 1,480 13,018 8,760 1,026 48,525 42,175 Substandard 4,003 13,713 45,359 10,862 21,751 19,763 12,530 4,008 131,989 145,612 Doubtful — 51 — — — — — — 51 54 Total loans $ 803,254 $ 2,610,074 $ 1,654,723 $ 723,413 $ 532,609 $ 735,796 $ 922,252 $ 86,597 $ 8,068,718 $ 7,754,751 Total current-period gross charge-offs $ — $ 133 $ 126 $ 456 $ — $ 23 $ 373 $ 434 $ 1,545
Past Due Financing Receivables	An aging analysis of the recorded investment in past due loans, segregated by class of loans, is included below. The Company defines recorded investment as the outstanding loan balances including net deferred loan fees, and excluding accrued interest receivable of $35.1 million and $34.1 million as of June 30, 2023 and December 31, 2022, respectively, due to immateriality. June 30, 2023 Loans Past Due and Still Accruing Nonaccrual Current Total 30-89 90 or More Total Past (In thousands) Commercial and industrial $ 2,210 $ — $ 2,210 $ 22,800 $ 1,487,466 $ 1,512,476 Paycheck Protection Program (PPP) 56 — 56 168 7,803 8,027 Real estate: Commercial real estate (including multi-family residential) 3,302 — 3,302 8,221 4,026,964 4,038,487 Commercial real estate construction and land development 4,573 — 4,573 388 1,131,163 1,136,124 1-4 family residential (including home equity) 8,332 — 8,332 10,880 990,227 1,009,439 Residential construction 662 — 662 665 309,881 311,208 Consumer and other 142 — 142 227 52,588 52,957 Total loans $ 19,277 $ — $ 19,277 $ 43,349 $ 8,006,092 $ 8,068,718 December 31, 2022 Loans Past Due and Still Accruing Nonaccrual Current Total 30-89 90 or More Total Past (In thousands) Commercial and industrial $ 1,591 $ — $ 1,591 $ 25,297 $ 1,428,907 $ 1,455,795 Paycheck Protection Program (PPP) 517 — 517 105 12,604 13,226 Real estate: Commercial real estate (including multi-family residential) 3,222 — 3,222 9,970 3,918,288 3,931,480 Commercial real estate construction and land development 851 — 851 — 1,036,827 1,037,678 1-4 family residential (including home equity) 3,385 — 3,385 9,404 988,167 1,000,956 Residential construction — — — — 268,150 268,150 Consumer and other 192 — 192 272 47,002 47,466 Total loans $ 9,758 $ — $ 9,758 $ 45,048 $ 7,699,945 $ 7,754,751
Allowance for Credit Losses on Financing Receivables	The following table presents the activity in the allowance for credit losses on loans by portfolio type for the three and six months ended June 30, 2023 and 2022: Commercial and industrial Paycheck Protection Program (PPP) Commercial real estate (including multi-family residential) Commercial real estate construction and land development 1-4 family residential (including home equity) Residential construction Consumer and other Total (In thousands) Allowance for credit losses on loans: Three Months Ended Balance March 31, 2023 $ 39,516 $ — $ 37,700 $ 13,579 $ 2,832 $ 2,089 $ 472 $ 96,188 Provision for credit losses on loans (814) — 1,263 921 1,946 991 (64) 4,243 Charge-offs (1,058) — — — (23) — (30) (1,111) Recoveries 861 — — — 2 — 12 875 Net charge-offs (197) — — — (21) — (18) (236) Balance June 30, 2023 $ 38,505 $ — $ 38,963 $ 14,500 $ 4,757 $ 3,080 $ 390 $ 100,195 Six Months Ended Balance December 31, 2022 $ 41,236 $ — $ 32,970 $ 14,121 $ 2,709 $ 1,796 $ 348 $ 93,180 Provision for credit losses on loans (2,316) 5,979 379 2,062 1,284 55 7,443 Charge-offs (1,484) — — — (23) — (38) (1,545) Recoveries 1,069 — 14 — 9 — 25 1,117 Net charge-offs (415) — 14 — (14) — (13) (428) Balance June 30, 2023 $ 38,505 $ — $ 38,963 $ 14,500 $ 4,757 $ 3,080 $ 390 $ 100,195 Three Months Ended Balance March 31, 2022 $ 16,295 $ — $ 24,877 $ 6,147 $ 752 $ 1,093 $ 51 $ 49,215 Provision for credit losses on loans 1,010 — (855) 1,197 284 (45) 7 1,598 Charge-offs (615) — (72) — — — — (687) Recoveries 11 — 50 55 — — — 116 Net charge-offs (604) — (22) 55 — — — (571) Balance June 30, 2022 $ 16,701 $ — $ 24,000 $ 7,399 $ 1,036 $ 1,048 $ 58 $ 50,242 Six Months Ended Balance December 31, 2021 $ 16,629 $ — $ 23,143 $ 6,263 $ 847 $ 975 $ 83 $ 47,940 Provision for credit losses on loans 627 — 1,134 1,144 189 73 23 3,190 Charge-offs (956) — (327) (63) — — (48) (1,394) Recoveries 401 — 50 55 — — — 506 Net charge-offs (555) — (277) (8) — — (48) (888) Balance June 30, 2022 $ 16,701 $ — $ 24,000 $ 7,399 $ 1,036 $ 1,048 $ 58 $ 50,242
Summary of Amortized Cost Basis of Collateral Dependent Loans Individually Evaluated to Determine Expected Credit Losses	The following tables present the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses as of June 30, 2023 and December 31, 2022: As of June 30, 2023 Real Estate Business Assets Other Total (In thousands) Commercial and industrial $ — $ 15,718 $ — $ 15,718 Real estate: Commercial real estate (including multi-family residential) 4,715 — — 4,715 Commercial real estate construction and land development 174 — — 174 1-4 family residential (including home equity) 2,093 — — 2,093 Residential construction 665 — — 665 Consumer and other — — — — Total $ 7,647 $ 15,718 $ — $ 23,365 As of December 31, 2022 Real Estate Business Assets Other Total (In thousands) Commercial and industrial $ — $ 18,411 $ 30 $ 18,441 Real estate: Commercial real estate (including multi-family residential) 1,612 — — 1,612 Commercial real estate construction and land development — — — — 1-4 family residential (including home equity) 3,478 — — 3,478 Residential construction — — — — Consumer and other — — — — Total $ 5,090 $ 18,411 $ 30 $ 23,531
Summary of Nonaccrual Loans	The following tables present additional information regarding nonaccrual loans. No interest income was recognized on nonaccrual loans as of June 30, 2023 and December 31, 2022. As of June 30, 2023 Nonaccrual Loans with No Related Allowance Nonaccrual Loans with Related Allowance Total Nonaccrual Loans (In thousands) Commercial and industrial $ 1,487 $ 21,313 $ 22,800 Paycheck Protection Program (PPP) 168 — 168 Real estate: Commercial real estate (including multi-family residential) 6,983 1,238 8,221 Commercial real estate construction and land development 388 — 388 1-4 family residential (including home equity) 7,300 3,580 10,880 Residential construction 665 — 665 Consumer and other 60 167 227 Total loans $ 17,051 $ 26,298 $ 43,349 As of December 31, 2022 Nonaccrual Loans with No Related Allowance Nonaccrual Loans with Related Allowance Total Nonaccrual Loans (In thousands) Commercial and industrial $ 2,776 $ 22,521 $ 25,297 Paycheck Protection Program (PPP) 105 — 105 Real estate: Commercial real estate (including multi-family residential) 8,704 1,266 9,970 Commercial real estate construction and land development — — — 1-4 family residential (including home equity) 4,856 4,548 9,404 Residential construction — — — Consumer and other 94 178 272 Total loans $ 16,535 $ 28,513 $ 45,048
Troubled Debt Restructurings on Financing Receivables	The following tables present information regarding loans that were modified due to the borrowers experiencing financial difficulty during the three and six months ended June 30, 2023: Three Months Ended June 30, 2023 Interest Rate Reduction Term Extension Payment Delay Principal forgiveness Combination Term Extension and Principal Forgiveness Combination Term Extension and Payment Delay Total (In thousands) Commercial and industrial $ — $ — $ — $ — $ — $ 260 $ 260 Real estate: Commercial real estate (including multi-family residential) — — — — — 1,710 1,710 Commercial real estate construction and land development — 6,950 — — — — 6,950 1-4 family residential (including home equity) — — — — — — — Residential construction — — — — — — — Consumer and other — 96 — — — — 96 Total $ — $ 7,046 $ — $ — $ — $ 1,970 $ 9,016 Six Months Ended June 30, 2023 Interest Rate Reduction Term Extension Payment Delay Principal forgiveness Combination Term Extension and Principal Forgiveness Combination Term Extension and Payment Delay Total (In thousands) Commercial and industrial $ 92 $ 2,251 $ — $ — $ — $ 260 $ 2,603 Real estate: Commercial real estate (including multi-family residential) — — 790 — — 1,710 2,500 Commercial real estate construction and land development — 6,950 — — — — 6,950 1-4 family residential (including home equity) — 721 — — — — 721 Residential construction — — — — — — — Consumer and other — 96 — — — — 96 Total $ 92 $ 10,018 $ 790 $ — $ — $ 1,970 $ 12,870 The following table summarizes, by loan portfolio, the financial effect of the Company's loan modifications for the three and six months ended June 30, 2023: Three Months Ended June 30, 2023 Six Months Ended June 30, 2023 Weighted Average Interest Rate Reduction Weighted Average Term Extension Weighted Average Interest Rate Reduction Weighted Average Term Extension (months) (months) Commercial and industrial (1) — % 12 2.0 % 12 Real estate: Commercial real estate (including multi-family residential) — % 12 — % 12 Commercial real estate construction and land development — % 12 — % 12 1-4 family residential (including home equity) — % — — % 12 Residential construction — % — — % — Consumer and other — % 4 — % 4 (1) No financial effect as a result of the loan modification reducing the interest rate as the loan was on nonaccrual. The following table summarizes loans that had a payment default within the past twelve months that were modified due to the borrowers experiencing financial difficulty during the three and six months ended June 30, 2023: Interest Rate Reduction Term Extension Payment Delay Principal forgiveness (In thousands) Commercial and industrial $ 92 $ 670 $ — $ — Real estate: Commercial real estate (including multi-family residential) — — — — Commercial real estate construction and land development — — — — 1-4 family residential (including home equity) — 721 — — Residential construction — — — — Consumer and other — — — — $ 92 $ 1,391 $ — $ — The following table presents information regarding loans modified in a troubled debt restructuring during the three and six months ended June 30, 2022: Three Months Ended June 30, 2022 Six Months Ended June 30, 2022 Number of Contracts Pre-modifications of Outstanding Recorded Investment Post-modifications of Outstanding Recorded Investment Number of Contracts Pre-modifications of Outstanding Recorded Investment Post-modifications of Outstanding Recorded Investment (Dollars in thousands) Troubled Debt Restructurings Commercial and industrial 3 $ 544 $ 544 3 $ 544 $ 544 Real estate: Commercial real estate (including multi-family residential) — — — 4 1,207 1,207 Total 3 $ 544 $ 544 7 $ 1,751 $ 1,751

LEASES (Tables)

LEASES (Tables)	6 Months Ended
	Jun. 30, 2023
Leases [Abstract]
Supplemental Lease Information	Supplemental lease information at the dates indicated is as follows: June 30, 2023 December 31, 2022 (Dollars in thousands) Balance Sheet: Operating lease right of use asset classified as premises and equipment $ 21,451 $ 23,538 Operating lease liability classified as other liabilities $ 21,098 $ 23,136 Weighted average lease term, in years 7.99 8.18 Weighted average discount rate 4.10 % 4.00 %
Summary of Lease Costs	Lease costs for the dates indicated is as follows: Three Months Ended June 30, Six Months Ended June 30, 2023 2022 2023 2022 (In thousands) Income Statement: Operating lease cost $ 1,579 $ 831 $ 3,393 $ 1,723 Short-term lease cost 10 — 15 — Total operating lease costs $ 1,589 $ 831 $ 3,408 $ 1,723
Maturity Analysis of Lease Liabilities	A maturity analysis of the Company’s lease liabilities is as follows: June 30, 2023 December 31, 2022 (In thousands) Lease payments due: Within one year $ 2,296 $ 4,634 After one but within two years 4,121 4,121 After two but within three years 3,684 3,684 After three but within four years 3,130 3,132 After four but within five years 2,918 2,918 After five years 9,303 9,303 Total lease payments 25,452 27,792 Less: discount on cash flows 4,354 4,656 Total lease liability $ 21,098 $ 23,136

FAIR VALUE (Tables)

FAIR VALUE (Tables)	6 Months Ended
	Jun. 30, 2023
Fair Value Disclosures [Abstract]
Fair Value, by Balance Sheet Grouping	The carrying amounts and estimated fair values of financial instruments that are reported on the balance sheet are as follows: As of June 30, 2023 Estimated Fair Value Carrying Level 1 Level 2 Level 3 Total (In thousands) Financial assets Cash and cash equivalents $ 304,089 $ 304,089 $ — $ — $ 304,089 Available for sale securities 1,478,222 — 1,478,222 — 1,478,222 Loans held for investment, net of allowance 7,968,523 — — 7,713,018 7,713,018 Accrued interest receivable 42,051 163 6,745 35,143 42,051 Financial liabilities Deposits $ 8,766,369 $ — $ 8,754,102 $ — $ 8,754,102 Accrued interest payable 4,555 — 4,555 — 4,555 Borrowed funds 369,963 — 369,990 — 369,990 Subordinated debt 109,566 — 108,029 — 108,029 As of December 31, 2022 Estimated Fair Value Carrying Level 1 Level 2 Level 3 Total (In thousands) Financial assets Cash and cash equivalents $ 371,705 $ 371,705 $ — $ — $ 371,705 Available for sale securities 1,807,586 — 1,807,586 — 1,807,586 Loans held for investment, net of allowance 7,661,571 — — 7,555,602 7,555,602 Accrued interest receivable 44,743 25 10,585 34,133 44,743 Financial liabilities Deposits $ 9,267,632 $ — $ 9,256,141 $ — $ 9,256,141 Accrued interest payable 2,098 — 2,098 — 2,098 Borrowed funds 63,925 — 63,999 — 63,999 Subordinated debt 109,367 — 107,910 — 107,910
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis	The following tables present fair values for assets and liabilities measured at fair value on a recurring basis. There were no liabilities measured at fair value on a recurring basis as of June 30, 2023. June 30, 2023 Level 1 Level 2 Level 3 Total (In thousands) Financial assets Available for sale securities: U.S. government and agency securities $ — $ 404,882 $ — $ 404,882 Municipal securities — 229,198 — 229,198 Agency mortgage-backed pass-through securities — 344,381 — 344,381 Agency collateralized mortgage obligations — 388,772 — 388,772 Corporate bonds and other — 110,989 — 110,989 Interest rate swaps — — 8,841 8,841 Credit risk participation agreements — — 23 23 Total fair value of financial assets $ — $ 1,478,222 $ 8,864 $ 1,487,086 Financial liabilities Interest rate swaps $ — $ — $ 8,841 $ 8,841 Total fair value of financial liabilities $ — $ — $ 8,841 $ 8,841 December 31, 2022 Level 1 Level 2 Level 3 Total (In thousands) Financial assets Available for sale securities: U.S. government and agency securities $ — $ 414,280 $ — $ 414,280 Municipal securities — 540,569 — 540,569 Agency mortgage-backed pass-through securities — 328,801 — 328,801 Agency collateralized mortgage obligations — 394,130 — 394,130 Corporate bonds and other — 129,806 — 129,806 Interest rate swaps — — 9,263 9,263 Credit risk participation agreements — — 27 27 Total fair value of financial assets $ — $ 1,807,586 $ 9,290 $ 1,816,876 Financial liabilities Interest rate swaps $ — $ — $ 9,263 $ 9,263 Total fair value of financial liabilities $ — $ — $ 9,263 $ 9,263
Fair Value Measurements, Nonrecurring	Assets measured at fair value on a nonrecurring basis are summarized in the table below. There were no liabilities measured at fair value on a nonrecurring basis at June 30, 2023 and December 31, 2022. June 30, 2023 Level 1 Level 2 Level 3 (In thousands) Loans: Commercial and industrial $ — $ — $ 11,991 Commercial real estate (including multi-family residential) — — 2,752 Commercial real estate construction and land development — — 6,751 1-4 family residential (including home equity) — — 2,045 Branch assets held for sale 5,852 — — $ 5,852 $ — $ 23,539 December 31, 2022 Level 1 Level 2 Level 3 (In thousands) Loans: Commercial and industrial $ — $ — $ 21,948 Commercial real estate (including multi-family residential) — — 11,566 1-4 family residential (including home equity) — — 2,883 Branch assets held for sale 5,165 — — $ 5,165 $ — $ 36,397

DEPOSITS (Tables)

DEPOSITS (Tables)	6 Months Ended
	Jun. 30, 2023
Deposit Liabilities [Abstract]
Schedule of Maturities of Time Deposits	Scheduled maturities of time deposits for the next five years are as follows (in thousands): Within one year $ 1,325,868 After one but within two years 88,265 Over three years 27,118 Total $ 1,441,251

DERIVATIVE INSTRUMENTS (Tables)

DERIVATIVE INSTRUMENTS (Tables)	6 Months Ended
	Jun. 30, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivatives Not Designated as Hedging Instruments	Derivative instruments not designated as hedges outstanding as of June 30, 2023 were as follows (dollars in thousands): Weighted Average Notional Fair Maturity Classification Amounts Value Fixed Rate Floating Rate (Years) Interest rate swaps: Financial institutions Other assets $ 112,077 $ 8,425 3.25% - 5.58% SOFR CME 1M + 2.50% - 3.00% 4.99 Financial institutions Other assets 4,970 416 4.99% U.S. Prime 4.46 Customers Other liabilities 4,970 (416) 4.99% U.S. Prime 4.46 Customers Other liabilities 112,077 (8,425) 3.25% - 5.58% SOFR CME 1M + 2.50% - 3.00% 4.99 Credit risk participations: Financial institutions Other assets 21,159 23 3.50% - 5.40% SOFR CME 1M + 2.50% 7.86 Derivative instruments not designated as hedges outstanding as of December 31, 2022 were as follows (dollars in thousands): Weighted Average Notional Fair Maturity Classification Amounts Value Fixed Rate Floating Rate (Years) Interest rate swaps: Financial institutions Other assets $ 109,242 $ 8,856 3.25% - 5.58% SOFR CME 1M + 2.50% - 3.00% 5.49 Financial institutions Other assets 5,029 407 4.99% U.S. Prime 4.96 Customers Other liabilities 5,029 (407) 4.99% U.S. Prime 4.96 Customers Other liabilities 109,242 (8,856) 3.25% - 5.58% SOFR CME 1M + 2.50% 5.49 Credit risk participations: Financial institutions Other assets 13,028 2 3.50% LIBOR 1M + 2.50% 7.24 Financial institutions Other assets 8,485 25 5.35% - 5.40% SOFR CME 1M + 2.50% 9.97

SUBORDINATED DEBT (Tables)

SUBORDINATED DEBT (Tables)	6 Months Ended
	Jun. 30, 2023
Subordinated Borrowings [Abstract]
Schedule of Subordinated Borrowing	A summary of pertinent information related to the Company’s issues of junior subordinated debentures outstanding at June 30, 2023 is set forth in the table below: Description Issuance Date Trust Preferred Securities Outstanding Interest Rate (1) Junior Subordinated Debt Owed to Trusts Maturity Date (2) (Dollars in thousands) Farmers & Merchants Capital Trust II November 13, 2003 $ 7,500 3 month LIBOR + 3.00% $ 7,732 November 8, 2033 Farmers & Merchants Capital Trust III June 30, 2005 3,500 3 month LIBOR + 1.80% 3,609 July 7, 2035 $ 11,341 (1) The 3-month LIBOR in effect as of June 30, 2023 was 5.07%. Transitions to an alternative benchmark rate plus a comparable spread adjustment in the event that 30-day LIBOR is no longer published on a future adjustment date. (2) All debentures are currently callable.

INCOME TAXES (Tables)

INCOME TAXES (Tables)	6 Months Ended
	Jun. 30, 2023
Income Tax Disclosure [Abstract]
Schedule of Effective Income Tax Rate Reconciliation	The amount of the Company’s federal and state income tax expense is influenced by the amount of pre-tax income, the amount of tax-exempt income and the amount of other nondeductible items. Three Months Ended Six Months Ended June 30, 2023 June 30, 2022 June 30, 2023 June 30, 2022 Income tax expense $ 7,467 $ 3,702 $ 17,380 $ 7,904 Effective income tax rate 17.5 % 18.4 % 19.4 % 18.4 %

STOCK BASED COMPENSATION (Table

STOCK BASED COMPENSATION (Tables)	6 Months Ended
	Jun. 30, 2023
Share-Based Payment Arrangement [Abstract]
Schedule of Share-based Compensation, Stock Options, Activity	A summary of the activity in the stock option plans during the six months ended June 30, 2023 is set forth below: Number of Weighted Weighted Aggregate (Shares in thousands) (In years) (Dollars in thousands) Options outstanding, January 1, 2023 368 $ 17.89 2.72 $ 4,256 Options granted — — Options exercised (25) 13.95 Options forfeited (33) 20.49 Options outstanding, June 30, 2023 310 $ 17.94 2.31 $ 1,656 Options vested and exercisable, June 30, 2023 310 $ 17.94 2.31 $ 1,656
Schedule of Share-based Compensation, Restricted Stock Units Award Activity	A summary of the activity of the nonvested shares of restricted stock during the six months ended June 30, 2023 is as follows: Number of Weighted (Shares in thousands) Nonvested share awards outstanding, January 1, 2023 501 $ 32.84 Share awards granted 253 25.71 Share awards vested (14) 25.99 Unvested share awards forfeited or cancelled (50) 31.11 Nonvested share awards outstanding, June 30, 2023 690 30.49

OFF-BALANCE SHEET ARRANGEMENT_2

OFF-BALANCE SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES (Tables)	6 Months Ended
	Jun. 30, 2023
Commitments and Contingencies Disclosure [Abstract]
Schedule of Fair Value, Off-balance Sheet Risks	The contractual amounts of financial instruments with off-balance sheet risk are as follows: June 30, 2023 December 31, 2022 Fixed Variable Fixed Variable (In thousands) Commitments to extend credit (1) $ 513,423 $ 1,403,262 $ 673,098 $ 1,686,627 Standby letters of credit 14,818 23,670 10,310 25,190 Total $ 528,241 $ 1,426,932 $ 683,408 $ 1,711,817 1) At June 30, 2023 and December 31, 2022, the Company had FHLB Letters of Credit in the amount of $831.3 million and $1.08 billion, respectively, pledged as collateral for public and other deposits of state and local government agencies. For more information on FHLB borrowings, see Note 10 – Borrowings and Borrowing Capacity.

REGULATORY CAPITAL MATTERS (Tab

REGULATORY CAPITAL MATTERS (Tables)	6 Months Ended
	Jun. 30, 2023
Regulatory Capital Matters [Abstract]
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations	The following is a summary of the Company’s and the Bank’s actual and required capital ratios as of June 30, 2023 and December 31, 2022: Actual Minimum Required for Capital Adequacy Purposes Minimum Required Plus Capital Conservation Buffer To Be Categorized As Well-Capitalized Under Amount Ratio Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) STELLAR BANCORP, INC. (Consolidated) As of June 30, 2023 Total Capital (to risk-weighted assets) $ 1,175,829 13.03 % $ 722,193 8.00 % $ 947,878 10.50 % N/A N/A Common Equity Tier 1 Capital (to risk-weighted assets) 963,620 10.67 % 406,234 4.50 % 631,919 7.00 % N/A N/A Tier 1 Capital (to risk-weighted assets) 973,518 10.78 % 541,645 6.00 % 767,330 8.50 % N/A N/A Tier 1 Leverage (to average tangible assets) 973,518 9.51 % 409,420 4.00 % 409,420 4.00 % N/A N/A As of December 31, 2022 Total Capital (to risk-weighted assets) $ 1,092,618 12.39 % $ 705,765 8.00 % $ 926,317 10.50 % N/A N/A Common Equity Tier 1 Capital (to risk-weighted assets) 885,652 10.04 % 396,993 4.50 % 617,545 7.00 % N/A N/A Tier 1 Capital (to risk-weighted assets) 895,520 10.15 % 529,324 6.00 % 749,876 8.50 % N/A N/A Tier 1 Leverage (to average tangible assets) 895,520 8.55 % 418,720 4.00 % 418,720 4.00 % N/A N/A STELLAR BANK As of June 30, 2023 Total Capital (to risk-weighted assets) $ 1,153,970 12.80 % $ 721,471 8.00 % $ 946,931 10.50 % $ 901,839 10.00 % Common Equity Tier 1 Capital (to risk-weighted assets) 1,011,659 11.22 % 405,827 4.50 % 631,287 7.00 % 586,195 6.50 % Tier 1 Capital (to risk-weighted assets) 1,011,659 11.22 % 541,103 6.00 % 766,563 8.50 % 721,471 8.00 % Tier 1 Leverage (to average tangible assets) 1,011,659 9.89 % 409,051 4.00 % 409,051 4.00 % 511,313 5.00 % As of December 31, 2022 Total Capital (to risk-weighted assets) $ 1,059,313 12.02 % $ 705,120 8.00 % $ 925,470 10.50 % $ 881,400 10.00 % Common Equity Tier 1 Capital (to risk-weighted assets) 921,714 10.46 % 396,630 4.50 % 616,980 7.00 % 572,910 6.50 % Tier 1 Capital (to risk-weighted assets) 921,714 10.46 % 528,840 6.00 % 749,190 8.50 % 705,120 8.00 % Tier 1 Leverage (to average tangible assets) 921,714 8.81 % 418,388 4.00 % 418,388 4.00 % 522,984 5.00 %

EARNINGS PER COMMON SHARE (Tabl

EARNINGS PER COMMON SHARE (Tables)	6 Months Ended
	Jun. 30, 2023
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Basic and Diluted	Three Months Ended June 30, Six Months Ended June 30, 2023 2022 2023 2022 Amount Per Share Amount Per Share Amount Per Share Amount Per Share (Amounts in thousands, except per share data) Net income attributable to shareholders $ 35,175 $ 16,437 $ 72,323 $ 35,094 Basic: Weighted average shares outstanding 53,297 $ 0.66 28,874 $ 0.57 53,160 $ 1.36 28,879 $ 1.22 Diluted: Add incremental shares for: Dilutive effect of stock option exercises and performance share units 78 246 101 229 Total 53,375 $ 0.66 29,120 $ 0.56 53,261 $ 1.36 29,108 $ 1.21

NATURE OF OPERATIONS AND SUMM_3

NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES (Details)	Oct. 01, 2022 $ / shares shares	Jun. 30, 2023 office $ / shares	Dec. 31, 2022 $ / shares
New Accounting Pronouncement Early Adoption [Line Items]
Number of offices in which entity operates		55
Common stock, par value (in dollars per share) | $ / shares	$ 1	$ 0.01	$ 0.01
Merger, shares consideration received (in shares) | shares	1.4184
Houston Metropolitan
New Accounting Pronouncement Early Adoption [Line Items]
Number of offices in which entity operates		38
Beaumont
New Accounting Pronouncement Early Adoption [Line Items]
Number of offices in which entity operates		16
Dallas
New Accounting Pronouncement Early Adoption [Line Items]
Number of offices in which entity operates		1

ACQUISITIONS - Narrative (Detai

ACQUISITIONS - Narrative (Details) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
	Oct. 01, 2022	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Business Acquisition [Line Items]
Merger, shares consideration received (in shares)	1.4184
Acquisition and merger-related expenses		$ 2,897	$ 1,667	$ 9,062	$ 2,118
CBTX
Business Acquisition [Line Items]
Acquisition and merger-related expenses		$ 2,900	$ 1,700	$ 9,100	$ 2,100
CBTX | Allegiance shareholders
Business Acquisition [Line Items]
Number of shares issued in acquisition (in shares)	28,100,000
Percentage ownership	54%

ACQUISITIONS - Schedule of Hypo

ACQUISITIONS - Schedule of Hypothetical Shares Issued In Merger (Details) - CBTX - CBTX	Sep. 30, 2022 shares
Business Acquisition [Line Items]
Number of shares issued in acquisition (in shares)	52,152,000
Percentage Ownership	100%
CBTX shareholders
Business Acquisition [Line Items]
Number of shares issued in acquisition (in shares)	24,015,000
Percentage Ownership	46%
Allegiance shareholders
Business Acquisition [Line Items]
Number of shares issued in acquisition (in shares)	28,137,000
Percentage Ownership	54%

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLE ASSETS - Changes in Carrying Amount of Goodwill and Intangibles (Details) - USD ($)	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Goodwill
Balance, beginning			$ 497,260,000	$ 223,642,000	$ 223,642,000
Acquired intangibles					273,618,000
Balance, ending	$ 497,260,000		497,260,000		497,260,000
Core Deposit Intangibles
Balance, beginning			143,525,000
Amortization	(6,881,000)	$ (751,000)	(13,760,000)	(1,502,000)
Balance, ending	129,805,000		129,805,000		143,525,000
Core Deposit Intangibles
Core Deposit Intangibles
Balance, beginning			143,525,000	14,658,000	14,658,000
Acquired intangibles					138,150,000
Amortization			(13,720,000)		(9,283,000)
Balance, ending	129,805,000		129,805,000		143,525,000
Servicing Assets
Core Deposit Intangibles
Balance, beginning			309,000	$ 0	0
Acquired intangibles					329,000
Amortization			(40,000)		(20,000)
Decrease due to payoff of serviced loans			(18,000)
Balance, ending	$ 251,000		$ 251,000		$ 309,000

GOODWILL AND OTHER INTANGIBLE_4

GOODWILL AND OTHER INTANGIBLE ASSETS - Narrative (Details)	6 Months Ended
	Jun. 30, 2023 USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and other intangible assets impairment	$ 0

GOODWILL AND OTHER INTANGIBLE_5

GOODWILL AND OTHER INTANGIBLE ASSETS - Estimated Aggregate Future Amortization Expense for Core Deposit Intangibles (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Remaining 2023	$ 13,093
2024	24,166
2025	21,528
2026	18,896
Thereafter	52,122
Total	$ 129,805	$ 143,525

SECURITIES - Amortized Cost and

SECURITIES - Amortized Cost and Fair Value of Investment Securities (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 1,645,303	$ 1,988,916
Gross Unrealized Gains	2,659	4,773
Gross Unrealized Losses	(169,740)	(186,103)
Fair Value	1,478,222	1,807,586
U.S. government and agency securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	420,321	433,417
Gross Unrealized Gains	156	90
Gross Unrealized Losses	(15,595)	(19,227)
Fair Value	404,882	414,280
Municipal securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	259,423	580,076
Gross Unrealized Gains	2,177	4,319
Gross Unrealized Losses	(32,402)	(43,826)
Fair Value	229,198	540,569
Agency mortgage-backed pass-through securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	385,780	370,471
Gross Unrealized Gains	272	362
Gross Unrealized Losses	(41,671)	(42,032)
Fair Value	344,381	328,801
Agency collateralized mortgage obligations
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	455,153	461,760
Gross Unrealized Gains	1	0
Gross Unrealized Losses	(66,382)	(67,630)
Fair Value	388,772	394,130
Corporate bonds and other
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	124,626	143,192
Gross Unrealized Gains	53	2
Gross Unrealized Losses	(13,690)	(13,388)
Fair Value	$ 110,989	$ 129,806

SECURITIES - Amortized Cost a_2

SECURITIES - Amortized Cost and Fair Value of Investment Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Amortized Cost
Due in one year or less	$ 77,538
Due after one year through five years	179,555
Due after five years through ten years	133,247
Due after ten years	414,030
Subtotal	804,370
Agency mortgage-backed pass-through securities and collateralized mortgage obligations	840,933
Amortized Cost	1,645,303	$ 1,988,916
Fair Value
Due in one year or less	76,185
Due after one year through five years	167,715
Due after five years through ten years	121,458
Due after ten years	379,711
Subtotal	745,069
Agency mortgage-backed pass-through securities and collateralized mortgage obligations	733,153
Fair Value	$ 1,478,222	$ 1,807,586

SECURITIES - Narrative (Details

SECURITIES - Narrative (Details) - USD ($)	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales of available for sale securities	$ 320,400,000	$ 0
Realized gains	234,000
Security owned and pledged as collateral, associated liabilities, fair value	$ 1,070,000,000		$ 978,900,000

SECURITIES - Securities in a Co

SECURITIES - Securities in a Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Debt Securities, Available-for-sale [Line Items]
Securities in a Continuous Unrealized Loss Position, Less than 12 months, Estimated Fair Value	$ 242,241	$ 613,275
Securities in a Continuous Unrealized Loss Position, Less than 12 Months, Unrealized Losses	(7,459)	(43,642)
Securities in a Continuous Unrealized Loss Position, More than 12 Months, Estimated Fair Value	1,116,666	966,550
Securities in a Continuous Unrealized Loss Position, More than 12 Months Unrealized Losses	(162,281)	(142,461)
Securities in a Continuous Unrealized Loss Position, Total Estimated Fair Value	1,358,907	1,579,825
Securities in a Continuous Unrealized Loss Position, Total Unrealized Losses	(169,740)	(186,103)
U.S. government and agency securities
Debt Securities, Available-for-sale [Line Items]
Securities in a Continuous Unrealized Loss Position, Less than 12 months, Estimated Fair Value	114,612	99,732
Securities in a Continuous Unrealized Loss Position, Less than 12 Months, Unrealized Losses	(1,871)	(1,427)
Securities in a Continuous Unrealized Loss Position, More than 12 Months, Estimated Fair Value	260,133	305,256
Securities in a Continuous Unrealized Loss Position, More than 12 Months Unrealized Losses	(13,724)	(17,800)
Securities in a Continuous Unrealized Loss Position, Total Estimated Fair Value	374,745	404,988
Securities in a Continuous Unrealized Loss Position, Total Unrealized Losses	(15,595)	(19,227)
Municipal securities
Debt Securities, Available-for-sale [Line Items]
Securities in a Continuous Unrealized Loss Position, Less than 12 months, Estimated Fair Value	9,423	228,192
Securities in a Continuous Unrealized Loss Position, Less than 12 Months, Unrealized Losses	(193)	(14,473)
Securities in a Continuous Unrealized Loss Position, More than 12 Months, Estimated Fair Value	173,602	134,640
Securities in a Continuous Unrealized Loss Position, More than 12 Months Unrealized Losses	(32,209)	(29,353)
Securities in a Continuous Unrealized Loss Position, Total Estimated Fair Value	183,025	362,832
Securities in a Continuous Unrealized Loss Position, Total Unrealized Losses	(32,402)	(43,826)
Agency mortgage-backed pass-through securities
Debt Securities, Available-for-sale [Line Items]
Securities in a Continuous Unrealized Loss Position, Less than 12 months, Estimated Fair Value	73,644	95,291
Securities in a Continuous Unrealized Loss Position, Less than 12 Months, Unrealized Losses	(2,529)	(7,612)
Securities in a Continuous Unrealized Loss Position, More than 12 Months, Estimated Fair Value	247,615	199,836
Securities in a Continuous Unrealized Loss Position, More than 12 Months Unrealized Losses	(39,142)	(34,420)
Securities in a Continuous Unrealized Loss Position, Total Estimated Fair Value	321,259	295,127
Securities in a Continuous Unrealized Loss Position, Total Unrealized Losses	(41,671)	(42,032)
Agency collateralized mortgage obligations
Debt Securities, Available-for-sale [Line Items]
Securities in a Continuous Unrealized Loss Position, Less than 12 months, Estimated Fair Value	11,239	117,147
Securities in a Continuous Unrealized Loss Position, Less than 12 Months, Unrealized Losses	(36)	(14,426)
Securities in a Continuous Unrealized Loss Position, More than 12 Months, Estimated Fair Value	374,339	276,925
Securities in a Continuous Unrealized Loss Position, More than 12 Months Unrealized Losses	(66,346)	(53,204)
Securities in a Continuous Unrealized Loss Position, Total Estimated Fair Value	385,578	394,072
Securities in a Continuous Unrealized Loss Position, Total Unrealized Losses	(66,382)	(67,630)
Corporate bonds and other
Debt Securities, Available-for-sale [Line Items]
Securities in a Continuous Unrealized Loss Position, Less than 12 months, Estimated Fair Value	33,323	72,913
Securities in a Continuous Unrealized Loss Position, Less than 12 Months, Unrealized Losses	(2,830)	(5,704)
Securities in a Continuous Unrealized Loss Position, More than 12 Months, Estimated Fair Value	60,977	49,893
Securities in a Continuous Unrealized Loss Position, More than 12 Months Unrealized Losses	(10,860)	(7,684)
Securities in a Continuous Unrealized Loss Position, Total Estimated Fair Value	94,300	122,806
Securities in a Continuous Unrealized Loss Position, Total Unrealized Losses	$ (13,690)	$ (13,388)

LOANS AND ALLOWANCE FOR CREDI_3

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loan Portfolio (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	$ 8,068,718		$ 7,754,751
Allowance for credit losses on loans	(100,195)	$ (96,188)	(93,180)	$ (50,242)	$ (49,215)	$ (47,940)
Loans, net	7,968,523		7,661,571
Commercial and industrial
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,512,476		1,455,795
Allowance for credit losses on loans	(38,505)	(39,516)	(41,236)	(16,701)	(16,295)	(16,629)
Paycheck Protection Program (PPP)
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	8,027		13,226
Allowance for credit losses on loans	0	0	0	0	0	0
Real estate: | Commercial real estate (including multi-family residential)
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	4,038,487		3,931,480
Allowance for credit losses on loans	(38,963)	(37,700)	(32,970)	(24,000)	(24,877)	(23,143)
Real estate: | Commercial real estate construction and land development
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,136,124		1,037,678
Allowance for credit losses on loans	(14,500)	(13,579)	(14,121)	(7,399)	(6,147)	(6,263)
Real estate: | 1-4 family residential (including home equity)
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,009,439		1,000,956
Allowance for credit losses on loans	(4,757)	(2,832)	(2,709)	(1,036)	(752)	(847)
Real estate: | Residential construction
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	311,208		268,150
Allowance for credit losses on loans	(3,080)	(2,089)	(1,796)	(1,048)	(1,093)	(975)
Consumer and other
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	52,957		47,466
Allowance for credit losses on loans	$ (390)	$ (472)	$ (348)	$ (58)	$ (51)	$ (83)

LOANS AND ALLOWANCE FOR CREDI_4

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Narrative (Details) - USD ($)	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable Allowance For Credit Losses [Line Items]
Accrued interest receivable	$ 35,100,000		$ 35,100,000		$ 34,100,000
Less: allowance for credit losses on loans	100,195,000	$ 50,242,000	100,195,000	$ 50,242,000	93,180,000	$ 96,188,000	$ 49,215,000	$ 47,940,000
Provision (reversal) for credit losses on loans	4,243,000	1,598,000	7,443,000	3,190,000
Non accrual loans interest income			$ 0		0
Concessions granted, percent to loan portfolio (less than)			1%
Unfunded Loan Commitment
Financing Receivable Allowance For Credit Losses [Line Items]
Less: allowance for credit losses on loans	10,100,000		$ 10,100,000		$ 12,000,000
Provision (reversal) for credit losses on loans	$ (2,300,000)	$ 544,000	$ (1,900,000)	$ 767,000

LOANS AND ALLOWANCE FOR CREDI_5

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Aging Analysis of the Recorded Investment in Past Due Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Accounts Notes And Loans Receivable [Line Items]
Loans	$ 8,068,718	$ 7,754,751
Nonaccrual Loans	43,349	45,048
30-89 Days
Accounts Notes And Loans Receivable [Line Items]
Loans	19,277	9,758
90 or More Days
Accounts Notes And Loans Receivable [Line Items]
Loans	0	0
Total Past Due Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	19,277	9,758
Current Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	8,006,092	7,699,945
Commercial and industrial
Accounts Notes And Loans Receivable [Line Items]
Loans	1,512,476	1,455,795
Nonaccrual Loans	22,800	25,297
Commercial and industrial | 30-89 Days
Accounts Notes And Loans Receivable [Line Items]
Loans	2,210	1,591
Commercial and industrial | 90 or More Days
Accounts Notes And Loans Receivable [Line Items]
Loans	0	0
Commercial and industrial | Total Past Due Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	2,210	1,591
Commercial and industrial | Current Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	1,487,466	1,428,907
Paycheck Protection Program (PPP)
Accounts Notes And Loans Receivable [Line Items]
Loans	8,027	13,226
Nonaccrual Loans	168	105
Paycheck Protection Program (PPP) | 30-89 Days
Accounts Notes And Loans Receivable [Line Items]
Loans	56	517
Paycheck Protection Program (PPP) | 90 or More Days
Accounts Notes And Loans Receivable [Line Items]
Loans	0	0
Paycheck Protection Program (PPP) | Total Past Due Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	56	517
Paycheck Protection Program (PPP) | Current Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	7,803	12,604
Real estate: | Commercial real estate (including multi-family residential)
Accounts Notes And Loans Receivable [Line Items]
Loans	4,038,487	3,931,480
Nonaccrual Loans	8,221	9,970
Real estate: | Commercial real estate (including multi-family residential) | 30-89 Days
Accounts Notes And Loans Receivable [Line Items]
Loans	3,302	3,222
Real estate: | Commercial real estate (including multi-family residential) | 90 or More Days
Accounts Notes And Loans Receivable [Line Items]
Loans	0	0
Real estate: | Commercial real estate (including multi-family residential) | Total Past Due Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	3,302	3,222
Real estate: | Commercial real estate (including multi-family residential) | Current Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	4,026,964	3,918,288
Real estate: | Commercial real estate construction and land development
Accounts Notes And Loans Receivable [Line Items]
Loans	1,136,124	1,037,678
Nonaccrual Loans	388	0
Real estate: | Commercial real estate construction and land development | 30-89 Days
Accounts Notes And Loans Receivable [Line Items]
Loans	4,573	851
Real estate: | Commercial real estate construction and land development | 90 or More Days
Accounts Notes And Loans Receivable [Line Items]
Loans	0	0
Real estate: | Commercial real estate construction and land development | Total Past Due Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	4,573	851
Real estate: | Commercial real estate construction and land development | Current Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	1,131,163	1,036,827
Real estate: | 1-4 family residential (including home equity)
Accounts Notes And Loans Receivable [Line Items]
Loans	1,009,439	1,000,956
Nonaccrual Loans	10,880	9,404
Real estate: | 1-4 family residential (including home equity) | 30-89 Days
Accounts Notes And Loans Receivable [Line Items]
Loans	8,332	3,385
Real estate: | 1-4 family residential (including home equity) | 90 or More Days
Accounts Notes And Loans Receivable [Line Items]
Loans	0	0
Real estate: | 1-4 family residential (including home equity) | Total Past Due Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	8,332	3,385
Real estate: | 1-4 family residential (including home equity) | Current Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	990,227	988,167
Real estate: | Residential construction
Accounts Notes And Loans Receivable [Line Items]
Loans	311,208	268,150
Nonaccrual Loans	665	0
Real estate: | Residential construction | 30-89 Days
Accounts Notes And Loans Receivable [Line Items]
Loans	662	0
Real estate: | Residential construction | 90 or More Days
Accounts Notes And Loans Receivable [Line Items]
Loans	0	0
Real estate: | Residential construction | Total Past Due Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	662	0
Real estate: | Residential construction | Current Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	309,881	268,150
Consumer and other
Accounts Notes And Loans Receivable [Line Items]
Loans	52,957	47,466
Nonaccrual Loans	227	272
Consumer and other | 30-89 Days
Accounts Notes And Loans Receivable [Line Items]
Loans	142	192
Consumer and other | 90 or More Days
Accounts Notes And Loans Receivable [Line Items]
Loans	0	0
Consumer and other | Total Past Due Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	142	192
Consumer and other | Current Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	$ 52,588	$ 47,002

LOANS AND ALLOWANCE FOR CREDI_6

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Risk Ratings by Category of Loans (Details) - USD ($)	6 Months Ended
	Jun. 30, 2023	Dec. 31, 2022
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	$ 803,254,000
Term Loans Amortized Cost Basis by Origination Year, 2022	2,610,074,000
Term Loans Amortized Cost Basis by Origination Year, 2021	1,654,723,000
Term Loans Amortized Cost Basis by Origination Year, 2020	723,413,000
Term Loans Amortized Cost Basis by Origination Year, 2019	532,609,000
Term Loans Amortized Cost Basis by Origination Year, prior	735,796,000
Revolving Loans	922,252,000
Revolving Loans Converted to Term Loans	86,597,000
Total loans	8,068,718,000	$ 7,754,751,000
Current-period gross charge-offs
Origination Year, 2023	0
Origination Year, 2022	133,000
Origination Year, 2021	126,000
Origination Year, 2020	456,000
Origination Year, 2019	0
Origination Year, Prior	23,000
Revolving Loans	373,000
Revolving Loans Converted to Term Loans	434,000
Current-period gross charge-offs, Total	1,545,000
Pass
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	798,309,000
Term Loans Amortized Cost Basis by Origination Year, 2022	2,591,925,000
Term Loans Amortized Cost Basis by Origination Year, 2021	1,599,921,000
Term Loans Amortized Cost Basis by Origination Year, 2020	703,080,000
Term Loans Amortized Cost Basis by Origination Year, 2019	509,378,000
Term Loans Amortized Cost Basis by Origination Year, prior	703,015,000
Revolving Loans	900,962,000
Revolving Loans Converted to Term Loans	81,563,000
Total loans	7,888,153,000	7,566,910,000
Special Mention
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	942,000
Term Loans Amortized Cost Basis by Origination Year, 2022	4,385,000
Term Loans Amortized Cost Basis by Origination Year, 2021	9,443,000
Term Loans Amortized Cost Basis by Origination Year, 2020	9,471,000
Term Loans Amortized Cost Basis by Origination Year, 2019	1,480,000
Term Loans Amortized Cost Basis by Origination Year, prior	13,018,000
Revolving Loans	8,760,000
Revolving Loans Converted to Term Loans	1,026,000
Total loans	48,525,000	42,175,000
Substandard
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	4,003,000
Term Loans Amortized Cost Basis by Origination Year, 2022	13,713,000
Term Loans Amortized Cost Basis by Origination Year, 2021	45,359,000
Term Loans Amortized Cost Basis by Origination Year, 2020	10,862,000
Term Loans Amortized Cost Basis by Origination Year, 2019	21,751,000
Term Loans Amortized Cost Basis by Origination Year, prior	19,763,000
Revolving Loans	12,530,000
Revolving Loans Converted to Term Loans	4,008,000
Total loans	131,989,000	145,612,000
Doubtful
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	0
Term Loans Amortized Cost Basis by Origination Year, 2022	51,000
Term Loans Amortized Cost Basis by Origination Year, 2021	0
Term Loans Amortized Cost Basis by Origination Year, 2020	0
Term Loans Amortized Cost Basis by Origination Year, 2019	0
Term Loans Amortized Cost Basis by Origination Year, prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	51,000	54,000
Commercial and industrial
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	180,117,000
Term Loans Amortized Cost Basis by Origination Year, 2022	336,227,000
Term Loans Amortized Cost Basis by Origination Year, 2021	221,322,000
Term Loans Amortized Cost Basis by Origination Year, 2020	62,864,000
Term Loans Amortized Cost Basis by Origination Year, 2019	55,192,000
Term Loans Amortized Cost Basis by Origination Year, prior	31,932,000
Revolving Loans	572,262,000
Revolving Loans Converted to Term Loans	52,560,000
Total loans	1,512,476,000	1,455,795,000
Current-period gross charge-offs
Origination Year, 2023	0
Origination Year, 2022	95,000
Origination Year, 2021	126,000
Origination Year, 2020	456,000
Origination Year, 2019	0
Origination Year, Prior	0
Revolving Loans	373,000
Revolving Loans Converted to Term Loans	434,000
Current-period gross charge-offs, Total	1,484,000
Commercial and industrial | Pass
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	179,607,000
Term Loans Amortized Cost Basis by Origination Year, 2022	330,548,000
Term Loans Amortized Cost Basis by Origination Year, 2021	202,720,000
Term Loans Amortized Cost Basis by Origination Year, 2020	61,221,000
Term Loans Amortized Cost Basis by Origination Year, 2019	42,300,000
Term Loans Amortized Cost Basis by Origination Year, prior	31,586,000
Revolving Loans	558,826,000
Revolving Loans Converted to Term Loans	50,630,000
Total loans	1,457,438,000	1,400,191,000
Commercial and industrial | Special Mention
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	0
Term Loans Amortized Cost Basis by Origination Year, 2022	349,000
Term Loans Amortized Cost Basis by Origination Year, 2021	492,000
Term Loans Amortized Cost Basis by Origination Year, 2020	446,000
Term Loans Amortized Cost Basis by Origination Year, 2019	381,000
Term Loans Amortized Cost Basis by Origination Year, prior	2,000
Revolving Loans	8,173,000
Revolving Loans Converted to Term Loans	836,000
Total loans	10,679,000	18,982,000
Commercial and industrial | Substandard
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	510,000
Term Loans Amortized Cost Basis by Origination Year, 2022	5,279,000
Term Loans Amortized Cost Basis by Origination Year, 2021	18,110,000
Term Loans Amortized Cost Basis by Origination Year, 2020	1,197,000
Term Loans Amortized Cost Basis by Origination Year, 2019	12,511,000
Term Loans Amortized Cost Basis by Origination Year, prior	344,000
Revolving Loans	5,263,000
Revolving Loans Converted to Term Loans	1,094,000
Total loans	44,308,000	36,568,000
Commercial and industrial | Doubtful
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	0
Term Loans Amortized Cost Basis by Origination Year, 2022	51,000
Term Loans Amortized Cost Basis by Origination Year, 2021	0
Term Loans Amortized Cost Basis by Origination Year, 2020	0
Term Loans Amortized Cost Basis by Origination Year, 2019	0
Term Loans Amortized Cost Basis by Origination Year, prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	51,000	54,000
Paycheck Protection Program (PPP)
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	0
Term Loans Amortized Cost Basis by Origination Year, 2022	0
Term Loans Amortized Cost Basis by Origination Year, 2021	4,858,000
Term Loans Amortized Cost Basis by Origination Year, 2020	3,169,000
Term Loans Amortized Cost Basis by Origination Year, 2019	0
Term Loans Amortized Cost Basis by Origination Year, prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	8,027,000	13,226,000
Current-period gross charge-offs
Origination Year, 2023	0
Origination Year, 2022	0
Origination Year, 2021	0
Origination Year, 2020	0
Origination Year, 2019	0
Origination Year, Prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Current-period gross charge-offs, Total	0
Paycheck Protection Program (PPP) | Pass
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	0
Term Loans Amortized Cost Basis by Origination Year, 2022	0
Term Loans Amortized Cost Basis by Origination Year, 2021	4,858,000
Term Loans Amortized Cost Basis by Origination Year, 2020	3,169,000
Term Loans Amortized Cost Basis by Origination Year, 2019	0
Term Loans Amortized Cost Basis by Origination Year, prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	8,027,000	13,226,000
Paycheck Protection Program (PPP) | Special Mention
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	0
Term Loans Amortized Cost Basis by Origination Year, 2022	0
Term Loans Amortized Cost Basis by Origination Year, 2021	0
Term Loans Amortized Cost Basis by Origination Year, 2020	0
Term Loans Amortized Cost Basis by Origination Year, 2019	0
Term Loans Amortized Cost Basis by Origination Year, prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	0	0
Paycheck Protection Program (PPP) | Substandard
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	0
Term Loans Amortized Cost Basis by Origination Year, 2022	0
Term Loans Amortized Cost Basis by Origination Year, 2021	0
Term Loans Amortized Cost Basis by Origination Year, 2020	0
Term Loans Amortized Cost Basis by Origination Year, 2019	0
Term Loans Amortized Cost Basis by Origination Year, prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	0	0
Paycheck Protection Program (PPP) | Doubtful
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	0
Term Loans Amortized Cost Basis by Origination Year, 2022	0
Term Loans Amortized Cost Basis by Origination Year, 2021	0
Term Loans Amortized Cost Basis by Origination Year, 2020	0
Term Loans Amortized Cost Basis by Origination Year, 2019	0
Term Loans Amortized Cost Basis by Origination Year, prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	0	0
Real estate: | Commercial real estate (including multi-family residential)
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	286,205,000
Term Loans Amortized Cost Basis by Origination Year, 2022	1,309,690,000
Term Loans Amortized Cost Basis by Origination Year, 2021	863,086,000
Term Loans Amortized Cost Basis by Origination Year, 2020	487,879,000
Term Loans Amortized Cost Basis by Origination Year, 2019	361,970,000
Term Loans Amortized Cost Basis by Origination Year, prior	576,182,000
Revolving Loans	132,525,000
Revolving Loans Converted to Term Loans	20,950,000
Total loans	4,038,487,000	3,931,480,000
Current-period gross charge-offs
Origination Year, 2023	0
Origination Year, 2022	0
Origination Year, 2021	0
Origination Year, 2020	0
Origination Year, 2019	0
Origination Year, Prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Current-period gross charge-offs, Total	0
Real estate: | Commercial real estate (including multi-family residential) | Pass
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	283,360,000
Term Loans Amortized Cost Basis by Origination Year, 2022	1,304,844,000
Term Loans Amortized Cost Basis by Origination Year, 2021	844,501,000
Term Loans Amortized Cost Basis by Origination Year, 2020	473,336,000
Term Loans Amortized Cost Basis by Origination Year, 2019	356,126,000
Term Loans Amortized Cost Basis by Origination Year, prior	549,716,000
Revolving Loans	131,751,000
Revolving Loans Converted to Term Loans	20,950,000
Total loans	3,964,584,000	3,844,951,000
Real estate: | Commercial real estate (including multi-family residential) | Special Mention
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	942,000
Term Loans Amortized Cost Basis by Origination Year, 2022	135,000
Term Loans Amortized Cost Basis by Origination Year, 2021	7,005,000
Term Loans Amortized Cost Basis by Origination Year, 2020	7,269,000
Term Loans Amortized Cost Basis by Origination Year, 2019	796,000
Term Loans Amortized Cost Basis by Origination Year, prior	12,611,000
Revolving Loans	587,000
Revolving Loans Converted to Term Loans	0
Total loans	29,345,000	18,183,000
Real estate: | Commercial real estate (including multi-family residential) | Substandard
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	1,903,000
Term Loans Amortized Cost Basis by Origination Year, 2022	4,711,000
Term Loans Amortized Cost Basis by Origination Year, 2021	11,580,000
Term Loans Amortized Cost Basis by Origination Year, 2020	7,274,000
Term Loans Amortized Cost Basis by Origination Year, 2019	5,048,000
Term Loans Amortized Cost Basis by Origination Year, prior	13,855,000
Revolving Loans	187,000
Revolving Loans Converted to Term Loans	0
Total loans	44,558,000	68,346,000
Real estate: | Commercial real estate (including multi-family residential) | Doubtful
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	0
Term Loans Amortized Cost Basis by Origination Year, 2022	0
Term Loans Amortized Cost Basis by Origination Year, 2021	0
Term Loans Amortized Cost Basis by Origination Year, 2020	0
Term Loans Amortized Cost Basis by Origination Year, 2019	0
Term Loans Amortized Cost Basis by Origination Year, prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	0	0
Real estate: | Commercial real estate construction and land development
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	154,065,000
Term Loans Amortized Cost Basis by Origination Year, 2022	526,465,000
Term Loans Amortized Cost Basis by Origination Year, 2021	311,460,000
Term Loans Amortized Cost Basis by Origination Year, 2020	36,112,000
Term Loans Amortized Cost Basis by Origination Year, 2019	34,163,000
Term Loans Amortized Cost Basis by Origination Year, prior	10,549,000
Revolving Loans	62,503,000
Revolving Loans Converted to Term Loans	807,000
Total loans	1,136,124,000	1,037,678,000
Current-period gross charge-offs
Origination Year, 2023	0
Origination Year, 2022	0
Origination Year, 2021	0
Origination Year, 2020	0
Origination Year, 2019	0
Origination Year, Prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Current-period gross charge-offs, Total	0
Real estate: | Commercial real estate construction and land development | Pass
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	154,065,000
Term Loans Amortized Cost Basis by Origination Year, 2022	522,070,000
Term Loans Amortized Cost Basis by Origination Year, 2021	299,038,000
Term Loans Amortized Cost Basis by Origination Year, 2020	35,881,000
Term Loans Amortized Cost Basis by Origination Year, 2019	33,778,000
Term Loans Amortized Cost Basis by Origination Year, prior	10,070,000
Revolving Loans	62,503,000
Revolving Loans Converted to Term Loans	658,000
Total loans	1,118,063,000	1,025,141,000
Real estate: | Commercial real estate construction and land development | Special Mention
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	0
Term Loans Amortized Cost Basis by Origination Year, 2022	3,814,000
Term Loans Amortized Cost Basis by Origination Year, 2021	1,945,000
Term Loans Amortized Cost Basis by Origination Year, 2020	142,000
Term Loans Amortized Cost Basis by Origination Year, 2019	303,000
Term Loans Amortized Cost Basis by Origination Year, prior	209,000
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	6,413,000	832,000
Real estate: | Commercial real estate construction and land development | Substandard
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	0
Term Loans Amortized Cost Basis by Origination Year, 2022	581,000
Term Loans Amortized Cost Basis by Origination Year, 2021	10,477,000
Term Loans Amortized Cost Basis by Origination Year, 2020	89,000
Term Loans Amortized Cost Basis by Origination Year, 2019	82,000
Term Loans Amortized Cost Basis by Origination Year, prior	270,000
Revolving Loans	0
Revolving Loans Converted to Term Loans	149,000
Total loans	11,648,000	11,705,000
Real estate: | Commercial real estate construction and land development | Doubtful
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	0
Term Loans Amortized Cost Basis by Origination Year, 2022	0
Term Loans Amortized Cost Basis by Origination Year, 2021	0
Term Loans Amortized Cost Basis by Origination Year, 2020	0
Term Loans Amortized Cost Basis by Origination Year, 2019	0
Term Loans Amortized Cost Basis by Origination Year, prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	0	0
Real estate: | 1-4 family residential (including home equity)
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	86,217,000
Term Loans Amortized Cost Basis by Origination Year, 2022	248,365,000
Term Loans Amortized Cost Basis by Origination Year, 2021	230,109,000
Term Loans Amortized Cost Basis by Origination Year, 2020	123,459,000
Term Loans Amortized Cost Basis by Origination Year, 2019	79,761,000
Term Loans Amortized Cost Basis by Origination Year, prior	115,131,000
Revolving Loans	114,857,000
Revolving Loans Converted to Term Loans	11,540,000
Total loans	1,009,439,000	1,000,956,000
Current-period gross charge-offs
Origination Year, 2023	0
Origination Year, 2022	0
Origination Year, 2021	0
Origination Year, 2020	0
Origination Year, 2019	0
Origination Year, Prior	23,000
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Current-period gross charge-offs, Total	23,000
Real estate: | 1-4 family residential (including home equity) | Pass
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	85,495,000
Term Loans Amortized Cost Basis by Origination Year, 2022	245,898,000
Term Loans Amortized Cost Basis by Origination Year, 2021	227,583,000
Term Loans Amortized Cost Basis by Origination Year, 2020	119,543,000
Term Loans Amortized Cost Basis by Origination Year, 2019	75,722,000
Term Loans Amortized Cost Basis by Origination Year, prior	109,646,000
Revolving Loans	107,781,000
Revolving Loans Converted to Term Loans	8,692,000
Total loans	980,360,000	969,396,000
Real estate: | 1-4 family residential (including home equity) | Special Mention
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	0
Term Loans Amortized Cost Basis by Origination Year, 2022	57,000
Term Loans Amortized Cost Basis by Origination Year, 2021	0
Term Loans Amortized Cost Basis by Origination Year, 2020	1,614,000
Term Loans Amortized Cost Basis by Origination Year, 2019	0
Term Loans Amortized Cost Basis by Origination Year, prior	196,000
Revolving Loans	0
Revolving Loans Converted to Term Loans	190,000
Total loans	2,057,000	3,714,000
Real estate: | 1-4 family residential (including home equity) | Substandard
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	722,000
Term Loans Amortized Cost Basis by Origination Year, 2022	2,410,000
Term Loans Amortized Cost Basis by Origination Year, 2021	2,526,000
Term Loans Amortized Cost Basis by Origination Year, 2020	2,302,000
Term Loans Amortized Cost Basis by Origination Year, 2019	4,039,000
Term Loans Amortized Cost Basis by Origination Year, prior	5,289,000
Revolving Loans	7,076,000
Revolving Loans Converted to Term Loans	2,658,000
Total loans	27,022,000	27,846,000
Real estate: | 1-4 family residential (including home equity) | Doubtful
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	0
Term Loans Amortized Cost Basis by Origination Year, 2022	0
Term Loans Amortized Cost Basis by Origination Year, 2021	0
Term Loans Amortized Cost Basis by Origination Year, 2020	0
Term Loans Amortized Cost Basis by Origination Year, 2019	0
Term Loans Amortized Cost Basis by Origination Year, prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	0	0
Real estate: | Residential construction
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	76,382,000
Term Loans Amortized Cost Basis by Origination Year, 2022	178,515,000
Term Loans Amortized Cost Basis by Origination Year, 2021	19,205,000
Term Loans Amortized Cost Basis by Origination Year, 2020	7,682,000
Term Loans Amortized Cost Basis by Origination Year, 2019	661,000
Term Loans Amortized Cost Basis by Origination Year, prior	1,378,000
Revolving Loans	27,385,000
Revolving Loans Converted to Term Loans	0
Total loans	311,208,000	268,150,000
Current-period gross charge-offs
Origination Year, 2023	0
Origination Year, 2022	0
Origination Year, 2021	0
Origination Year, 2020	0
Origination Year, 2019	0
Origination Year, Prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Current-period gross charge-offs, Total	0
Real estate: | Residential construction | Pass
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	75,514,000
Term Loans Amortized Cost Basis by Origination Year, 2022	177,850,000
Term Loans Amortized Cost Basis by Origination Year, 2021	16,576,000
Term Loans Amortized Cost Basis by Origination Year, 2020	7,682,000
Term Loans Amortized Cost Basis by Origination Year, 2019	661,000
Term Loans Amortized Cost Basis by Origination Year, prior	1,378,000
Revolving Loans	27,385,000
Revolving Loans Converted to Term Loans	0
Total loans	307,046,000	266,943,000
Real estate: | Residential construction | Special Mention
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	0
Term Loans Amortized Cost Basis by Origination Year, 2022	0
Term Loans Amortized Cost Basis by Origination Year, 2021	0
Term Loans Amortized Cost Basis by Origination Year, 2020	0
Term Loans Amortized Cost Basis by Origination Year, 2019	0
Term Loans Amortized Cost Basis by Origination Year, prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	0	421,000
Real estate: | Residential construction | Substandard
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	868,000
Term Loans Amortized Cost Basis by Origination Year, 2022	665,000
Term Loans Amortized Cost Basis by Origination Year, 2021	2,629,000
Term Loans Amortized Cost Basis by Origination Year, 2020	0
Term Loans Amortized Cost Basis by Origination Year, 2019	0
Term Loans Amortized Cost Basis by Origination Year, prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	4,162,000	786,000
Real estate: | Residential construction | Doubtful
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	0
Term Loans Amortized Cost Basis by Origination Year, 2022	0
Term Loans Amortized Cost Basis by Origination Year, 2021	0
Term Loans Amortized Cost Basis by Origination Year, 2020	0
Term Loans Amortized Cost Basis by Origination Year, 2019	0
Term Loans Amortized Cost Basis by Origination Year, prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	0	0
Consumer and other
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	20,268,000
Term Loans Amortized Cost Basis by Origination Year, 2022	10,812,000
Term Loans Amortized Cost Basis by Origination Year, 2021	4,683,000
Term Loans Amortized Cost Basis by Origination Year, 2020	2,248,000
Term Loans Amortized Cost Basis by Origination Year, 2019	862,000
Term Loans Amortized Cost Basis by Origination Year, prior	624,000
Revolving Loans	12,720,000
Revolving Loans Converted to Term Loans	740,000
Total loans	52,957,000	47,466,000
Current-period gross charge-offs
Origination Year, 2023	0
Origination Year, 2022	38,000
Origination Year, 2021	0
Origination Year, 2020	0
Origination Year, 2019	0
Origination Year, Prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Current-period gross charge-offs, Total	38,000
Consumer and other | Pass
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	20,268,000
Term Loans Amortized Cost Basis by Origination Year, 2022	10,715,000
Term Loans Amortized Cost Basis by Origination Year, 2021	4,645,000
Term Loans Amortized Cost Basis by Origination Year, 2020	2,248,000
Term Loans Amortized Cost Basis by Origination Year, 2019	791,000
Term Loans Amortized Cost Basis by Origination Year, prior	619,000
Revolving Loans	12,716,000
Revolving Loans Converted to Term Loans	633,000
Total loans	52,635,000	47,062,000
Consumer and other | Special Mention
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	0
Term Loans Amortized Cost Basis by Origination Year, 2022	30,000
Term Loans Amortized Cost Basis by Origination Year, 2021	1,000
Term Loans Amortized Cost Basis by Origination Year, 2020	0
Term Loans Amortized Cost Basis by Origination Year, 2019	0
Term Loans Amortized Cost Basis by Origination Year, prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	31,000	43,000
Consumer and other | Substandard
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	0
Term Loans Amortized Cost Basis by Origination Year, 2022	67,000
Term Loans Amortized Cost Basis by Origination Year, 2021	37,000
Term Loans Amortized Cost Basis by Origination Year, 2020	0
Term Loans Amortized Cost Basis by Origination Year, 2019	71,000
Term Loans Amortized Cost Basis by Origination Year, prior	5,000
Revolving Loans	4,000
Revolving Loans Converted to Term Loans	107,000
Total loans	291,000	361,000
Consumer and other | Doubtful
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	0
Term Loans Amortized Cost Basis by Origination Year, 2022	0
Term Loans Amortized Cost Basis by Origination Year, 2021	0
Term Loans Amortized Cost Basis by Origination Year, 2020	0
Term Loans Amortized Cost Basis by Origination Year, 2019	0
Term Loans Amortized Cost Basis by Origination Year, prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	$ 0	$ 0

LOANS AND ALLOWANCE FOR CREDI_7

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Allowance for credit losses on loans:
Balance, beginning of period	$ 96,188	$ 49,215	$ 93,180	$ 47,940
Provision for credit losses on loans	4,243	1,598	7,443	3,190
Charge-offs	(1,111)	(687)	(1,545)	(1,394)
Recoveries	875	116	1,117	506
Net charge-offs	(236)	(571)	(428)	(888)
Balance, end of period	100,195	50,242	100,195	50,242
Commercial and industrial
Allowance for credit losses on loans:
Balance, beginning of period	39,516	16,295	41,236	16,629
Provision for credit losses on loans	(814)	1,010	(2,316)	627
Charge-offs	(1,058)	(615)	(1,484)	(956)
Recoveries	861	11	1,069	401
Net charge-offs	(197)	(604)	(415)	(555)
Balance, end of period	38,505	16,701	38,505	16,701
Paycheck Protection Program (PPP)
Allowance for credit losses on loans:
Balance, beginning of period	0	0	0	0
Provision for credit losses on loans	0	0		0
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Net charge-offs	0	0	0	0
Balance, end of period	0	0	0	0
Real estate: | Commercial real estate (including multi-family residential)
Allowance for credit losses on loans:
Balance, beginning of period	37,700	24,877	32,970	23,143
Provision for credit losses on loans	1,263	(855)	5,979	1,134
Charge-offs	0	(72)	0	(327)
Recoveries	0	50	14	50
Net charge-offs	0	(22)	14	(277)
Balance, end of period	38,963	24,000	38,963	24,000
Real estate: | Commercial real estate construction and land development
Allowance for credit losses on loans:
Balance, beginning of period	13,579	6,147	14,121	6,263
Provision for credit losses on loans	921	1,197	379	1,144
Charge-offs	0	0	0	(63)
Recoveries	0	55	0	55
Net charge-offs	0	55	0	(8)
Balance, end of period	14,500	7,399	14,500	7,399
Real estate: | 1-4 family residential (including home equity)
Allowance for credit losses on loans:
Balance, beginning of period	2,832	752	2,709	847
Provision for credit losses on loans	1,946	284	2,062	189
Charge-offs	(23)	0	(23)	0
Recoveries	2	0	9	0
Net charge-offs	(21)	0	(14)	0
Balance, end of period	4,757	1,036	4,757	1,036
Real estate: | Residential construction
Allowance for credit losses on loans:
Balance, beginning of period	2,089	1,093	1,796	975
Provision for credit losses on loans	991	(45)	1,284	73
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Net charge-offs	0	0	0	0
Balance, end of period	3,080	1,048	3,080	1,048
Consumer and other
Allowance for credit losses on loans:
Balance, beginning of period	472	51	348	83
Provision for credit losses on loans	(64)	7	55	23
Charge-offs	(30)	0	(38)	(48)
Recoveries	12	0	25	0
Net charge-offs	(18)	0	(13)	(48)
Balance, end of period	$ 390	$ 58	$ 390	$ 58

LOANS AND ALLOWANCE FOR CREDI_8

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Summary of Amortized Cost Basis of Collateral Dependent Loans Individually Evaluated to Determine Expected Credit Losses (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	$ 23,365	$ 23,531
Real Estate
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	7,647	5,090
Business Assets
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	15,718	18,411
Other
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	0	30
Commercial and industrial
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	15,718	18,441
Commercial and industrial | Real Estate
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	0	0
Commercial and industrial | Business Assets
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	15,718	18,411
Commercial and industrial | Other
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	0	30
Real estate: | Commercial real estate (including multi-family residential)
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	4,715	1,612
Real estate: | Commercial real estate (including multi-family residential) | Real Estate
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	4,715	1,612
Real estate: | Commercial real estate (including multi-family residential) | Business Assets
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	0	0
Real estate: | Commercial real estate (including multi-family residential) | Other
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	0	0
Real estate: | Commercial real estate construction and land development
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	174	0
Real estate: | Commercial real estate construction and land development | Real Estate
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	174	0
Real estate: | Commercial real estate construction and land development | Business Assets
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	0	0
Real estate: | Commercial real estate construction and land development | Other
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	0	0
Real estate: | 1-4 family residential (including home equity)
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	2,093	3,478
Real estate: | 1-4 family residential (including home equity) | Real Estate
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	2,093	3,478
Real estate: | 1-4 family residential (including home equity) | Business Assets
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	0	0
Real estate: | 1-4 family residential (including home equity) | Other
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	0	0
Real estate: | Residential construction
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	665	0
Real estate: | Residential construction | Real Estate
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	665	0
Real estate: | Residential construction | Business Assets
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	0	0
Real estate: | Residential construction | Other
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	0	0
Consumer and other
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	0	0
Consumer and other | Real Estate
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	0	0
Consumer and other | Business Assets
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	0	0
Consumer and other | Other
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	$ 0	$ 0

LOANS AND ALLOWANCE FOR CREDI_9

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Summary of Nonaccrual Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Financing Receivable Nonaccrual Status [Line Items]
Nonaccrual Loans with No Related Allowance	$ 17,051	$ 16,535
Nonaccrual Loans with Related Allowance	26,298	28,513
Total Nonaccrual Loans	43,349	45,048
Commercial and industrial
Financing Receivable Nonaccrual Status [Line Items]
Nonaccrual Loans with No Related Allowance	1,487	2,776
Nonaccrual Loans with Related Allowance	21,313	22,521
Total Nonaccrual Loans	22,800	25,297
Paycheck Protection Program (PPP)
Financing Receivable Nonaccrual Status [Line Items]
Nonaccrual Loans with No Related Allowance	168	105
Nonaccrual Loans with Related Allowance	0	0
Total Nonaccrual Loans	168	105
Real estate: | Commercial real estate (including multi-family residential)
Financing Receivable Nonaccrual Status [Line Items]
Nonaccrual Loans with No Related Allowance	6,983	8,704
Nonaccrual Loans with Related Allowance	1,238	1,266
Total Nonaccrual Loans	8,221	9,970
Real estate: | Commercial real estate construction and land development
Financing Receivable Nonaccrual Status [Line Items]
Nonaccrual Loans with No Related Allowance	388	0
Nonaccrual Loans with Related Allowance	0	0
Total Nonaccrual Loans	388	0
Real estate: | 1-4 family residential (including home equity)
Financing Receivable Nonaccrual Status [Line Items]
Nonaccrual Loans with No Related Allowance	7,300	4,856
Nonaccrual Loans with Related Allowance	3,580	4,548
Total Nonaccrual Loans	10,880	9,404
Real estate: | Residential construction
Financing Receivable Nonaccrual Status [Line Items]
Nonaccrual Loans with No Related Allowance	665	0
Nonaccrual Loans with Related Allowance	0	0
Total Nonaccrual Loans	665	0
Consumer and other
Financing Receivable Nonaccrual Status [Line Items]
Nonaccrual Loans with No Related Allowance	60	94
Nonaccrual Loans with Related Allowance	167	178
Total Nonaccrual Loans	$ 227	$ 272

LOANS AND ALLOWANCE FOR CRED_10

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans Modified Borrowers Experiencing Financial Difficulty (Details) - USD ($)	3 Months Ended	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2023
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	$ 9,016,000	$ 12,870,000
Interest Rate Reduction
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	92,000
Term Extension
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	7,046,000	10,018,000
Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	790,000
Principal forgiveness
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Combination Term Extension and Principal Forgiveness
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Combination Term Extension and Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	1,970,000	1,970,000
Commercial and industrial
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	260	2,603,000
Commercial and industrial | Interest Rate Reduction
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	92,000
Commercial and industrial | Term Extension
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	2,251,000
Commercial and industrial | Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Commercial and industrial | Principal forgiveness
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Commercial and industrial | Combination Term Extension and Principal Forgiveness
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Commercial and industrial | Combination Term Extension and Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	260	260,000
Real estate: | Commercial real estate (including multi-family residential)
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	1,710,000	2,500,000
Real estate: | Commercial real estate (including multi-family residential) | Interest Rate Reduction
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Real estate: | Commercial real estate (including multi-family residential) | Term Extension
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Real estate: | Commercial real estate (including multi-family residential) | Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	790,000
Real estate: | Commercial real estate (including multi-family residential) | Principal forgiveness
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Real estate: | Commercial real estate (including multi-family residential) | Combination Term Extension and Principal Forgiveness
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Real estate: | Commercial real estate (including multi-family residential) | Combination Term Extension and Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	1,710,000	1,710,000
Real estate: | Commercial real estate construction and land development
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	6,950,000	6,950,000
Real estate: | Commercial real estate construction and land development | Interest Rate Reduction
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Real estate: | Commercial real estate construction and land development | Term Extension
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	6,950,000	6,950,000
Real estate: | Commercial real estate construction and land development | Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Real estate: | Commercial real estate construction and land development | Principal forgiveness
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Real estate: | Commercial real estate construction and land development | Combination Term Extension and Principal Forgiveness
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Real estate: | Commercial real estate construction and land development | Combination Term Extension and Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Real estate: | 1-4 family residential (including home equity)
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	721,000
Real estate: | 1-4 family residential (including home equity) | Interest Rate Reduction
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Real estate: | 1-4 family residential (including home equity) | Term Extension
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	721,000
Real estate: | 1-4 family residential (including home equity) | Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Real estate: | 1-4 family residential (including home equity) | Principal forgiveness
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Real estate: | 1-4 family residential (including home equity) | Combination Term Extension and Principal Forgiveness
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Real estate: | 1-4 family residential (including home equity) | Combination Term Extension and Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Real estate: | Residential construction
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Real estate: | Residential construction | Interest Rate Reduction
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Real estate: | Residential construction | Term Extension
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Real estate: | Residential construction | Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Real estate: | Residential construction | Principal forgiveness
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Real estate: | Residential construction | Combination Term Extension and Principal Forgiveness
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Real estate: | Residential construction | Combination Term Extension and Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Consumer and other
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	96,000	96,000
Consumer and other | Interest Rate Reduction
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Consumer and other | Term Extension
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	96,000	96,000
Consumer and other | Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Consumer and other | Principal forgiveness
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Consumer and other | Combination Term Extension and Principal Forgiveness
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
Consumer and other | Combination Term Extension and Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	$ 0	$ 0

LOANS AND ALLOWANCE FOR CRED_11

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Financial Effects of Loans Modified (Details)	3 Months Ended	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2023
Commercial and industrial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted Average Interest Rate Reduction	0%	2%
Weighted Average Term Extension	12 months	12 months
Real estate: | Commercial real estate (including multi-family residential)
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted Average Interest Rate Reduction	0%	0%
Weighted Average Term Extension	12 months	12 months
Real estate: | Commercial real estate construction and land development
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted Average Interest Rate Reduction	0%	0%
Weighted Average Term Extension	12 months	12 months
Real estate: | 1-4 family residential (including home equity)
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted Average Interest Rate Reduction	0%	0%
Weighted Average Term Extension		12 months
Real estate: | Residential construction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted Average Interest Rate Reduction	0%	0%
Consumer and other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted Average Interest Rate Reduction	0%	0%
Weighted Average Term Extension	4 months	4 months

LOANS AND ALLOWANCE FOR CRED_12

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Loans with Payment Default, Modified (Details) $ in Thousands	3 Months Ended
	Jun. 30, 2023 USD ($)
Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	$ 92
Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	1,391
Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0
Principal forgiveness
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0
Commercial and industrial | Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	92
Commercial and industrial | Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	670
Commercial and industrial | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0
Commercial and industrial | Principal forgiveness
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0
Real estate: | Commercial real estate (including multi-family residential) | Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0
Real estate: | Commercial real estate (including multi-family residential) | Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0
Real estate: | Commercial real estate (including multi-family residential) | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0
Real estate: | Commercial real estate (including multi-family residential) | Principal forgiveness
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0
Real estate: | Commercial real estate construction and land development | Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0
Real estate: | Commercial real estate construction and land development | Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0
Real estate: | Commercial real estate construction and land development | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0
Real estate: | Commercial real estate construction and land development | Principal forgiveness
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0
Real estate: | 1-4 family residential (including home equity) | Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0
Real estate: | 1-4 family residential (including home equity) | Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	721
Real estate: | 1-4 family residential (including home equity) | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0
Real estate: | 1-4 family residential (including home equity) | Principal forgiveness
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0
Real estate: | Residential construction | Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0
Real estate: | Residential construction | Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0
Real estate: | Residential construction | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0
Real estate: | Residential construction | Principal forgiveness
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0
Consumer and other | Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0
Consumer and other | Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0
Consumer and other | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0
Consumer and other | Principal forgiveness
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	$ 0

LOANS AND ALLOWANCE FOR CRED_13

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Troubled Debt Restructuring (Details) $ in Thousands	3 Months Ended	6 Months Ended
	Jun. 30, 2022 USD ($)	Jun. 30, 2022 USD ($) contract
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract		7
Pre-modification of Outstanding Recorded Investment	$ 544	$ 1,751
Post Modification of Outstanding Recorded Investment	544	$ 1,751
Commercial and industrial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract		3
Pre-modification of Outstanding Recorded Investment	544	$ 544
Post Modification of Outstanding Recorded Investment	544	$ 544
Real estate: | Commercial real estate (including multi-family residential)
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract		4
Pre-modification of Outstanding Recorded Investment	0	$ 1,207
Post Modification of Outstanding Recorded Investment	$ 0	$ 1,207

LEASES - Narrative (Details)

LEASES - Narrative (Details)	6 Months Ended
	Jun. 30, 2023 lease
Lessee Lease Description [Line Items]
Number of leased branch locations and office space along with equipment	32
Minimum
Lessee Lease Description [Line Items]
Operating lease renewal term	1 year
Maximum
Lessee Lease Description [Line Items]
Operating lease renewal term	5 years

LEASES - Supplemental Lease Inf

LEASES - Supplemental Lease Information (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Balance Sheet:
Operating lease right of use asset classified as premises and equipment	$ 21,451	$ 23,538
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Premises and equipment, net	Premises and equipment, net
Operating lease liability classified as other liabilities	$ 21,098	$ 23,136
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other liabilities	Other liabilities
Weighted average lease term, in years	7 years 11 months 26 days	8 years 2 months 4 days
Weighted average discount rate	4.10%	4%

LEASES - Summary of Lease Costs

LEASES - Summary of Lease Costs (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Income Statement:
Operating lease cost	$ 1,579	$ 831	$ 3,393	$ 1,723
Short-term lease cost	10	0	15	0
Total operating lease costs	$ 1,589	$ 831	$ 3,408	$ 1,723

LEASES - Maturity Analysis of L

LEASES - Maturity Analysis of Lease Liabilities (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Lease payments due:
Within one year	$ 2,296	$ 4,634
After one but within two years	4,121	4,121
After two but within three years	3,684	3,684
After three but within four years	3,130	3,132
After four but within five years	2,918	2,918
After five years	9,303	9,303
Total lease payments	25,452	27,792
Less: discount on cash flows	4,354	4,656
Operating lease liability classified as other liabilities	$ 21,098	$ 23,136

FAIR VALUE - Carrying Amounts a

FAIR VALUE - Carrying Amounts and Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	$ 1,478,222	$ 1,807,586
Accrued interest receivable	35,100	34,100
Carrying Amount
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	304,089	371,705
Available for sale securities	1,478,222	1,807,586
Loans held for investment, net of allowance	7,968,523	7,661,571
Accrued interest receivable	42,051	44,743
Deposits	8,766,369	9,267,632
Accrued interest payable	4,555	2,098
Borrowed funds	369,963	63,925
Subordinated debt	109,566	109,367
Estimated Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	304,089	371,705
Available for sale securities	1,478,222	1,807,586
Loans held for investment, net of allowance	7,713,018	7,555,602
Accrued interest receivable	42,051	44,743
Deposits	8,754,102	9,256,141
Accrued interest payable	4,555	2,098
Borrowed funds	369,990	63,999
Subordinated debt	108,029	107,910
Estimated Fair Value | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	304,089	371,705
Available for sale securities	0	0
Loans held for investment, net of allowance	0	0
Accrued interest receivable	163	25
Deposits	0	0
Accrued interest payable	0	0
Borrowed funds	0	0
Subordinated debt	0	0
Estimated Fair Value | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	0	0
Available for sale securities	1,478,222	1,807,586
Loans held for investment, net of allowance	0	0
Accrued interest receivable	6,745	10,585
Deposits	8,754,102	9,256,141
Accrued interest payable	4,555	2,098
Borrowed funds	369,990	63,999
Subordinated debt	108,029	107,910
Estimated Fair Value | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	0	0
Available for sale securities	0	0
Loans held for investment, net of allowance	7,713,018	7,555,602
Accrued interest receivable	35,143	34,133
Deposits	0	0
Accrued interest payable	0	0
Borrowed funds	0	0
Subordinated debt	$ 0	$ 0

FAIR VALUE - Narrative (Details

FAIR VALUE - Narrative (Details) - USD ($)	3 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Recurring Basis
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Transfers between levels	$ 0	$ 0
Financial liabilities	8,841,000		$ 9,263,000
Nonrecurring Basis
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial liabilities	$ 0		$ 0

FAIR VALUE - Fair Values for As

FAIR VALUE - Fair Values for Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 1,478,222	$ 1,807,586
U.S. government and agency securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	404,882	414,280
Municipal securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	229,198	540,569
Agency mortgage-backed pass-through securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	344,381	328,801
Agency collateralized mortgage obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	388,772	394,130
Corporate bonds and other
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	110,989	129,806
Recurring Basis
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		1,816,876
Assets and liabilities are measured at fair value, nonrecurring basis	1,487,086
Financial liabilities	8,841	9,263
Recurring Basis | Interest Rate Contract
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Liability	8,841	9,263
Recurring Basis | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		0
Assets and liabilities are measured at fair value, nonrecurring basis	0
Financial liabilities	0	0
Recurring Basis | Level 1 | Interest Rate Contract
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Liability	0	0
Recurring Basis | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		1,807,586
Assets and liabilities are measured at fair value, nonrecurring basis	1,478,222
Financial liabilities	0	0
Recurring Basis | Level 2 | Interest Rate Contract
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Liability	0	0
Recurring Basis | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		9,290
Assets and liabilities are measured at fair value, nonrecurring basis	8,864
Financial liabilities	8,841	9,263
Recurring Basis | Level 3 | Interest Rate Contract
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Liability	8,841	9,263
Recurring Basis | U.S. government and agency securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	404,882	414,280
Recurring Basis | U.S. government and agency securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring Basis | U.S. government and agency securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	404,882	414,280
Recurring Basis | U.S. government and agency securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring Basis | Municipal securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	229,198	540,569
Recurring Basis | Municipal securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring Basis | Municipal securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	229,198	540,569
Recurring Basis | Municipal securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring Basis | Agency mortgage-backed pass-through securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	344,381	328,801
Recurring Basis | Agency mortgage-backed pass-through securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring Basis | Agency mortgage-backed pass-through securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	344,381	328,801
Recurring Basis | Agency mortgage-backed pass-through securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring Basis | Agency collateralized mortgage obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	388,772	394,130
Recurring Basis | Agency collateralized mortgage obligations | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring Basis | Agency collateralized mortgage obligations | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	388,772	394,130
Recurring Basis | Agency collateralized mortgage obligations | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring Basis | Corporate bonds and other
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	110,989	129,806
Recurring Basis | Corporate bonds and other | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring Basis | Corporate bonds and other | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	110,989	129,806
Recurring Basis | Corporate bonds and other | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring Basis | Interest Rate Swap [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	8,841	9,263
Recurring Basis | Interest Rate Swap [Member] | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring Basis | Interest Rate Swap [Member] | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring Basis | Interest Rate Swap [Member] | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	8,841	9,263
Recurring Basis | Credit Risk Participation Agreement
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	23	27
Recurring Basis | Credit Risk Participation Agreement | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring Basis | Credit Risk Participation Agreement | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring Basis | Credit Risk Participation Agreement | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 23	$ 27

FAIR VALUE - Assets Measured at

FAIR VALUE - Assets Measured at Fair Value on a Nonrecurring Basis (Details) - Nonrecurring Basis - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Branch assets held for sale	$ 5,852	$ 5,165
Assets and liabilities are measured at fair value, nonrecurring basis	5,852	5,165
Level 1 | Commercial and industrial
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans:	0	0
Level 1 | Commercial real estate (including multi-family residential) | Commercial real estate (including multi-family residential)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans:	0	0
Level 1 | Commercial real estate (including multi-family residential) | Commercial real estate construction and land development
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans:	0
Level 1 | Commercial real estate (including multi-family residential) | 1-4 family residential (including home equity)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans:	0	0
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Branch assets held for sale	0	0
Assets and liabilities are measured at fair value, nonrecurring basis	0	0
Level 2 | Commercial and industrial
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans:	0	0
Level 2 | Commercial real estate (including multi-family residential) | Commercial real estate (including multi-family residential)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans:	0	0
Level 2 | Commercial real estate (including multi-family residential) | Commercial real estate construction and land development
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans:	0
Level 2 | Commercial real estate (including multi-family residential) | 1-4 family residential (including home equity)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans:	0	0
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Branch assets held for sale	0	0
Assets and liabilities are measured at fair value, nonrecurring basis	23,539	36,397
Level 3 | Commercial and industrial
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans:	11,991	21,948
Level 3 | Commercial real estate (including multi-family residential) | Commercial real estate (including multi-family residential)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans:	2,752	11,566
Level 3 | Commercial real estate (including multi-family residential) | Commercial real estate construction and land development
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans:	6,751
Level 3 | Commercial real estate (including multi-family residential) | 1-4 family residential (including home equity)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans:	$ 2,045	$ 2,883

DEPOSITS - Narrative (Details)

DEPOSITS - Narrative (Details) - USD ($) $ in Millions	Jun. 30, 2023	Dec. 31, 2022
Deposit Liabilities [Abstract]
Time deposits, at or above FDIC insurance limit	$ 502.1	$ 432.9
Brokered deposits	$ 537.8	$ 72.5

DEPOSITS - Time Deposits by Mat

DEPOSITS - Time Deposits by Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Deposit Liabilities [Abstract]
Within one year	$ 1,325,868
After one but within two years	88,265
Over three years	27,118
Total	$ 1,441,251	$ 869,712

DERIVATIVE INSTRUMENTS - Narrat

DERIVATIVE INSTRUMENTS - Narrative (Details)	6 Months Ended	12 Months Ended
	Jun. 30, 2023 interest_rate_swap creditAgreement	Dec. 31, 2022 interest_rate_swap creditAgreement
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Number of interest rate swap agreements outstanding | interest_rate_swap	15	14
Number of credit risk participation agreements | creditAgreement	3	3

DERIVATIVE INSTRUMENTS - Effect

DERIVATIVE INSTRUMENTS - Effect of Cash Flow Hedge Relationship on Statement of Comprehensive Income (Detail) - Not Designated as Hedging Instrument - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2023	Dec. 31, 2022
Interest Rate Swap With Financial Institutions One | Other assets
Derivative Instruments Gain Loss [Line Items]
Notional Amount	$ 112,077	$ 109,242
Fair Value, Asset	$ 8,425	$ 8,856
Weighted Average Maturity (Years)	4 years 11 months 26 days	5 years 5 months 26 days
Interest Rate Swap With Financial Institutions One | Other assets | Minimum
Derivative Instruments Gain Loss [Line Items]
Fixed Rate	3.25%	3.25%
Interest Rate Swap With Financial Institutions One | Other assets | Minimum | SOFR CME 1M
Derivative Instruments Gain Loss [Line Items]
Floating Rate	2.50%	2.50%
Interest Rate Swap With Financial Institutions One | Other assets | Maximum
Derivative Instruments Gain Loss [Line Items]
Fixed Rate	5.58%	5.58%
Interest Rate Swap With Financial Institutions One | Other assets | Maximum | SOFR CME 1M
Derivative Instruments Gain Loss [Line Items]
Floating Rate	3%	3%
Interest Rate Swap With Financial Institutions Two | Other assets
Derivative Instruments Gain Loss [Line Items]
Notional Amount	$ 4,970	$ 5,029
Fair Value, Asset	$ 416	$ 407
Fixed Rate	4.99%	4.99%
Weighted Average Maturity (Years)	4 years 5 months 15 days	4 years 11 months 15 days
Interest Rate Swaps With Customers | Other liabilities
Derivative Instruments Gain Loss [Line Items]
Notional Amount	$ 4,970	$ 5,029
Fair Value, Liability	$ (416)	$ (407)
Fixed Rate	4.99%	4.99%
Weighted Average Maturity (Years)	4 years 5 months 15 days	4 years 11 months 15 days
Interest Rate Swaps With Customers Two | Other assets | Minimum
Derivative Instruments Gain Loss [Line Items]
Fixed Rate		3.25%
Interest Rate Swaps With Customers Two | Other assets | Maximum
Derivative Instruments Gain Loss [Line Items]
Fixed Rate		5.58%
Interest Rate Swaps With Customers Two | Other liabilities
Derivative Instruments Gain Loss [Line Items]
Notional Amount	$ 112,077	$ 109,242
Fair Value, Liability	$ (8,425)	$ (8,856)
Weighted Average Maturity (Years)	4 years 11 months 26 days	5 years 5 months 26 days
Interest Rate Swaps With Customers Two | Other liabilities | Minimum
Derivative Instruments Gain Loss [Line Items]
Fixed Rate	3.25%
Interest Rate Swaps With Customers Two | Other liabilities | Minimum | SOFR CME 1M
Derivative Instruments Gain Loss [Line Items]
Floating Rate	2.50%	2.50%
Interest Rate Swaps With Customers Two | Other liabilities | Maximum
Derivative Instruments Gain Loss [Line Items]
Fixed Rate	5.58%
Interest Rate Swaps With Customers Two | Other liabilities | Maximum | SOFR CME 1M
Derivative Instruments Gain Loss [Line Items]
Floating Rate	3%
Credit Risk Participation Agreement | Other assets
Derivative Instruments Gain Loss [Line Items]
Notional Amount	$ 21,159	$ 13,028
Fair Value, Asset	$ 23	$ 2
Fixed Rate		3.50%
Weighted Average Maturity (Years)	7 years 10 months 9 days	7 years 2 months 26 days
Credit Risk Participation Agreement | Other assets | SOFR CME 1M
Derivative Instruments Gain Loss [Line Items]
Floating Rate	2.50%
Credit Risk Participation Agreement | Other assets | LIBOR
Derivative Instruments Gain Loss [Line Items]
Floating Rate		2.50%
Credit Risk Participation Agreement | Other assets | Minimum
Derivative Instruments Gain Loss [Line Items]
Fixed Rate	3.50%
Credit Risk Participation Agreement | Other assets | Maximum
Derivative Instruments Gain Loss [Line Items]
Fixed Rate	5.40%
Credit Risk Participation Agreement Two | Other assets
Derivative Instruments Gain Loss [Line Items]
Notional Amount		$ 8,485
Fair Value, Asset		$ 25
Weighted Average Maturity (Years)		9 years 11 months 19 days
Credit Risk Participation Agreement Two | Other assets | SOFR CME 1M
Derivative Instruments Gain Loss [Line Items]
Floating Rate		2.50%
Credit Risk Participation Agreement Two | Other assets | Minimum
Derivative Instruments Gain Loss [Line Items]
Fixed Rate		5.35%
Credit Risk Participation Agreement Two | Other assets | Maximum
Derivative Instruments Gain Loss [Line Items]
Fixed Rate		5.40%

BORROWINGS AND BORROWING CAPA_2

BORROWINGS AND BORROWING CAPACITY (Details)	Dec. 13, 2022 USD ($)	Jun. 30, 2023 USD ($)	Dec. 31, 2022 USD ($)	Oct. 01, 2022
Frost Agreement | Line of Credit | Revolving Credit Agreement
Debt Instrument [Line Items]
Maximum borrowing capacity	$ 75,000,000
Letters of credit, outstanding amount			$ 0
Period to draw	24 months
Interest payment period	24 months
Debt service ratio				1.25
Texas ratio				0.250
Leverage ratio				0.070
Federal Home Loan Bank of Dallas
Debt Instrument [Line Items]
Maximum borrowing capacity		$ 4,100,000,000
Remaining borrowing capacity		2,900,000,000
Outstanding amount		1,200,000,000
Letters of credit, outstanding amount		831,300,000
Federal Home Loan Bank of Dallas | Federal Home Loan Bank Advances
Debt Instrument [Line Items]
Federal Home Loan Bank, advances		$ 370,000,000
Weighted average interest rate		5.45%
Federal Home Loan Bank of Dallas | Expire in 2023
Debt Instrument [Line Items]
Letters of credit, outstanding amount		$ 91,000,000
Federal Home Loan Bank of Dallas | Expire in 2024
Debt Instrument [Line Items]
Letters of credit, outstanding amount		45,000,000
Federal Home Loan Bank of Dallas | Expire In 2025
Debt Instrument [Line Items]
Letters of credit, outstanding amount		148,000,000
Federal Home Loan Bank of Dallas | Expire In 2026
Debt Instrument [Line Items]
Letters of credit, outstanding amount		52,300,000
Federal Home Loan Bank of Dallas | Expire In 2027
Debt Instrument [Line Items]
Letters of credit, outstanding amount		453,000,000
Federal Home Loan Bank of Dallas | Expires In 2028
Debt Instrument [Line Items]
Letters of credit, outstanding amount		15,000,000
Federal Home Loan Bank of Dallas | Expire In 2029
Debt Instrument [Line Items]
Letters of credit, outstanding amount		$ 27,000,000
Federal Home Loan Bank of Dallas | Weighted Average | Federal Home Loan Bank Advances
Debt Instrument [Line Items]
Federal Home Loan Bank, advances, interest rate	3.50%

SUBORDINATED DEBT - Narrative (

SUBORDINATED DEBT - Narrative (Details) - USD ($) $ in Millions	1 Months Ended		6 Months Ended
	Sep. 30, 2019	Dec. 31, 2017	Jun. 30, 2023
Subordinated Notes | Fixed-to-Floating Rate Subordinated Notes
Subordinated Borrowing [Line Items]
Debt instrument, face amount	$ 60	$ 40
Stated percentage	4.70%
Redemption price	100%	100%
Subordinated Notes | Fixed-to-Floating Rate Subordinated Notes | LIBOR
Subordinated Borrowing [Line Items]
Basis spread on variable rate	3.13%	3.03%
F&M Bancshares. Inc. | Junior Subordinated Debt
Subordinated Borrowing [Line Items]
Debentures, period over which company may defer interest payments			5 years

SUBORDINATED DEBT - Summary of

SUBORDINATED DEBT - Summary of Pertinent Information Related to Junior Subordinated Debentures (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2023 USD ($)
Subordinated Borrowing [Line Items]
Junior Subordinated Debenture Owed to Trust	$ 11,341
Junior Subordinated Debt | LIBOR
Subordinated Borrowing [Line Items]
Effective interest rate	5.07%
Junior Subordinated Debt | Farmers & Merchants Capital Trust II
Subordinated Borrowing [Line Items]
Trust Preferred Securities Outstanding	$ 7,500
Junior Subordinated Debenture Owed to Trust	$ 7,732
Junior Subordinated Debt | Farmers & Merchants Capital Trust II | LIBOR
Subordinated Borrowing [Line Items]
Interest Rate	3%
Junior Subordinated Debt | Farmers & Merchants Capital Trust III
Subordinated Borrowing [Line Items]
Trust Preferred Securities Outstanding	$ 3,500
Junior Subordinated Debenture Owed to Trust	$ 3,609
Junior Subordinated Debt | Farmers & Merchants Capital Trust III | LIBOR
Subordinated Borrowing [Line Items]
Interest Rate	1.80%

INCOME TAXES (Details)

INCOME TAXES (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Income Tax Disclosure [Abstract]
Income tax expense	$ 7,467,000	$ 3,702,000	$ 17,380,000	$ 7,904,000
Effective income tax rate reconciliation	17.50%	18.40%	19.40%	18.40%
Unrecognized tax benefits, income tax penalties and interest expense			$ 0

STOCK BASED COMPENSATION - Narr

STOCK BASED COMPENSATION - Narrative (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023 USD ($) shares	Jun. 30, 2022 USD ($)	Jun. 30, 2023 USD ($) compensationPlan shares	Jun. 30, 2022 USD ($)	Oct. 01, 2022 shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)					2,000,000
Shares reserved for issuance (in shares)	1,103,050		1,103,050
Share-based compensation expense | $	$ 2,800	$ 931	$ 5,400	$ 1,900
Number of compensation plans | compensationPlan			3
Employee Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expiration period			10 years
Employee Stock Option | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period			3 years
Employee Stock Option | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period			4 years
Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation cost | $	5,800		$ 5,800
Weighted average period over which unrecognized compensation			1 year 10 months 20 days
Share awards granted (in shares)			253,000
Restricted Stock | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period			2 years
Restricted Stock | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period			3 years
Performance Share Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period			2 years
Weighted average period over which unrecognized compensation			2 years 1 month 6 days
Service period			1 year
Share awards granted (in shares)			119,845
Unrecognized compensation expense | $	$ 1,200		$ 1,200

STOCK BASED COMPENSATION - Stoc

STOCK BASED COMPENSATION - Stock Option Plans Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2023	Dec. 31, 2022
Number of Options
Options outstanding, beginning balance (in shares)	368,000
Options granted (in shares)	0
Options exercised (in shares)	(25,000)
Options forfeited (in shares)	(33,000)
Options outstanding, ending balance (in shares)	310,000	368,000
Number of options vested and exercisable (in shares)	310,000
Weighted Average Exercise Price
Options outstanding, beginning balance (in dollars per share)	$ 17.89
Options granted (in dollars per share)	0
Options exercised (in dollars per share)	13.95
Options forfeited (in dollars per share)	20.49
Options outstanding, ending balance (in dollars per share)	17.94	$ 17.89
Weighted Average Exercise Price, Options vested and exercisable (in dollars per share)	$ 17.94
Weighted Average Remaining Contractual Term, Options outstanding	2 years 3 months 21 days	2 years 8 months 19 days
Weighted Average Remaining Contractual Term, Options vested and exercisable	2 years 3 months 21 days
Aggregate Intrinsic Value, Options outstanding	$ 1,656	$ 4,256
Aggregate Intrinsic Value, Options vested and exercisable	$ 1,656

STOCK BASED COMPENSATION - Summ

STOCK BASED COMPENSATION - Summary of Restricted Stock Activity (Details) - Restricted Stock shares in Thousands	6 Months Ended
	Jun. 30, 2023 $ / shares shares
Number of Shares
Nonvested share awards outstanding, beginning balance (in shares) | shares	501
Share awards granted (in shares) | shares	253
Share awards vested (in shares) | shares	(14)
Unvested share awards forfeited or cancelled (in shares) | shares	(50)
Nonvested share awards outstanding, ending balance (in shares) | shares	690
Weighted Average Grant Date Fair Value
Nonvested share awards outstanding, beginning balance (in dollars per share) | $ / shares	$ 32.84
Share awards granted (in dollars per share) | $ / shares	25.71
Share awards vested (in dollars per share) | $ / shares	25.99
Unvested share awards forfeited or cancelled (in dollars per share) | $ / shares	31.11
Nonvested share awards outstanding, ending balance (in dollars per share) | $ / shares	$ 30.49

OFF-BALANCE SHEET ARRANGEMENT_3

OFF-BALANCE SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES - Contractual Amounts of Financial Instruments With Off-balance Sheet Risk (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Fixed Rate	$ 528,241	$ 683,408
Variable Rate	1,426,932	1,711,817
Commitments to Extend Credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Fixed Rate	513,423	673,098
Variable Rate	1,403,262	1,686,627
Standby letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Fixed Rate	14,818	10,310
Variable Rate	23,670	25,190
Short-term Debt | Federal Home Loan Bank of Dallas
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
FHLB pledged collateral	$ 831,300	$ 1,080,000

OFF-BALANCE SHEET ARRANGEMENT_4

OFF-BALANCE SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES - Narrative (Details)	6 Months Ended
	Jun. 30, 2023
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments to make loans, period	120 days
Off-balance-sheet fixed rate loan commitments, weighted average maturity	2 years 6 months
Minimum
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance-sheet fixed rate loan commitments, interest rate	1.40%
Maximum
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance-sheet fixed rate loan commitments, interest rate	13.25%
Weighted Average
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance-sheet fixed rate loan commitments, interest rate	5.89%

REGULATORY CAPITAL MATTERS - Na

REGULATORY CAPITAL MATTERS - Narrative (Details)	Jun. 30, 2023	Dec. 31, 2022
Regulatory Capital Matters [Abstract]
Capital conservation buffer	2.50%	2.50%

REGULATORY CAPITAL MATTERS - Ac

REGULATORY CAPITAL MATTERS - Actual and Required Capital (Details) $ in Thousands	Jun. 30, 2023 USD ($)	Dec. 31, 2022 USD ($)
Total Capital
Capital	$ 1,175,829	$ 1,092,618
Capital to Risk Weighted Assets	0.1303	0.1239
Capital Required for Capital Adequacy	$ 722,193	$ 705,765
Capital Required for Capital Adequacy to Risk Weighted Assets	0.0800	0.0800
Plus Capital Conservation Buffer	$ 947,878	$ 926,317
Plus Capital Conservation Buffer to Risk Weighted Assets	0.1050	0.1050
Common Equity Tier 1 Capital
Common Equity Tier 1 Risk Based Capital	$ 963,620	$ 885,652
Common Equity Tier 1 Risk Based Capital to Risk Weighted Assets	0.1067	0.1004
Common Equity Tier 1 Risk Based Capital Required for Capital Adequacy	$ 406,234	$ 396,993
Common Equity Tier 1 Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	0.0450	0.0450
Plus Common Equity Tier 1 Risk Based Capital	$ 631,919	$ 617,545
Plus Common Equity Tier 1 Risk Based Capital to Risk Weighted Assets	0.0700	0.0700
Tier 1 Capital
Tier 1 Risk Based Capital	$ 973,518	$ 895,520
Tier 1 Risk Based Capital to Risk Weighted Assets	0.1078	0.1015
Tier 1 Risk Based Capital Required for Capital Adequacy	$ 541,645	$ 529,324
Tier 1 Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	0.0600	0.0600
Plus Tier 1 Risk Based Capital	$ 767,330	$ 749,876
Plus Tier 1 Risk Based Capital to Risk Weighted Assets	0.0850	0.0850
Tier 1 Capital
Tier 1 Leverage Capital	$ 973,518	$ 895,520
Tier 1 Leverage Capital to Average Assets	0.0951	0.0855
Tier 1 Leverage Capital Required for Capital Adequacy	$ 409,420	$ 418,720
Tier 1 Leverage Capital Required for Capital Adequacy to Average Assets	0.0400	0.0400
Plus Tier 1 Leverage Capital	$ 409,420	$ 418,720
Plus Tier 1 Leverage Capital to Average Assets	0.0400	0.0400
Allegiance Bank
Total Capital
Capital	$ 1,153,970	$ 1,059,313
Capital to Risk Weighted Assets	0.1280	0.1202
Capital Required for Capital Adequacy	$ 721,471	$ 705,120
Capital Required for Capital Adequacy to Risk Weighted Assets	0.0800	0.0800
Plus Capital Conservation Buffer	$ 946,931	$ 925,470
Plus Capital Conservation Buffer to Risk Weighted Assets	0.1050	0.1050
Capital Required to be Well Capitalized	$ 901,839	$ 881,400
Capital Required to be Well Capitalized to Risk Weighted Assets	0.1000	0.1000
Common Equity Tier 1 Capital
Common Equity Tier 1 Risk Based Capital	$ 1,011,659	$ 921,714
Common Equity Tier 1 Risk Based Capital to Risk Weighted Assets	0.1122	0.1046
Common Equity Tier 1 Risk Based Capital Required for Capital Adequacy	$ 405,827	$ 396,630
Common Equity Tier 1 Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	0.0450	0.0450
Plus Common Equity Tier 1 Risk Based Capital	$ 631,287	$ 616,980
Plus Common Equity Tier 1 Risk Based Capital to Risk Weighted Assets	0.0700	0.0700
Common Equity Tier 1 Risk Based Capital Required to be Well Capitalized	$ 586,195	$ 572,910
Common Equity Tier 1 Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	0.0650	0.0650
Tier 1 Capital
Tier 1 Risk Based Capital	$ 1,011,659	$ 921,714
Tier 1 Risk Based Capital to Risk Weighted Assets	0.1122	0.1046
Tier 1 Risk Based Capital Required for Capital Adequacy	$ 541,103	$ 528,840
Tier 1 Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	0.0600	0.0600
Plus Tier 1 Risk Based Capital	$ 766,563	$ 749,190
Plus Tier 1 Risk Based Capital to Risk Weighted Assets	0.0850	0.0850
Tier 1 Risk Based Capital Required to be Well Capitalized	$ 721,471	$ 705,120
Tier 1 Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	0.0800	0.0800
Tier 1 Capital
Tier 1 Leverage Capital	$ 1,011,659	$ 921,714
Tier 1 Leverage Capital to Average Assets	0.0989	0.0881
Tier 1 Leverage Capital Required for Capital Adequacy	$ 409,051	$ 418,388
Tier 1 Leverage Capital Required for Capital Adequacy to Average Assets	0.0400	0.0400
Plus Tier 1 Leverage Capital	$ 409,051	$ 418,388
Plus Tier 1 Leverage Capital to Average Assets	0.0400	0.0400
Tier 1 Leverage Capital Required to be Well Capitalized	$ 511,313	$ 522,984
Tier 1 Leverage Capital Required to be Well Capitalized to Average Assets	0.0500	0.0500

EARNINGS PER COMMON SHARE - Sum

EARNINGS PER COMMON SHARE - Summary of Basic and Diluted Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Earnings Per Share [Abstract]
Net income attributable to shareholders	$ 35,175	$ 16,437	$ 72,323	$ 35,094
Basic:
Weighted average shares outstanding (in shares)	53,297	28,874	53,160	28,879
Weighted average shares outstanding (in dollars per share)	$ 0.66	$ 0.57	$ 1.36	$ 1.22
Add incremental shares for:
Dilutive effect of stock option exercises and performance share units (in shares)	78	246	101	229
Total (in shares)	53,375	29,120	53,261	29,108
Total (in dollars per share)	$ 0.66	$ 0.56	$ 1.36	$ 1.21

EARNINGS PER COMMON SHARE - Nar

EARNINGS PER COMMON SHARE - Narrative (Details) - shares	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022
Employee Stock Option
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share (in shares)	30,074	22,411