Stellar Bancorp (STEL) 10-Q 3 Nov 23 2023 Q3 Quarterly report Financial data

Cover Page

Cover Page - shares	9 Months Ended
	Sep. 30, 2023	Nov. 02, 2023
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 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		53,262,213
Entity Central Index Key	0001473844
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q3
Amendment Flag	false

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 94,970	$ 67,063
Interest-bearing deposits at other financial institutions	207,302	304,642
Total cash and cash equivalents	302,272	371,705
Available for sale securities, at fair value	1,414,952	1,807,586
Loans held for investment	8,004,528	7,754,751
Less: allowance for credit losses on loans	(93,575)	(93,180)
Loans, net	7,910,953	7,661,571
Accrued interest receivable	43,536	44,743
Premises and equipment, net	119,332	126,803
Federal Home Loan Bank stock	29,022	15,058
Bank-owned life insurance	104,699	103,094
Goodwill	497,318	497,260
Core deposit intangibles, net	122,944	143,525
Other assets	120,432	129,092
TOTAL ASSETS	10,665,460	10,900,437
Deposits:
Noninterest-bearing	3,656,288	4,230,169
Interest-bearing
Demand	1,397,492	1,591,828
Money market and savings	2,128,950	2,575,923
Certificates and other time	1,503,891	869,712
Total interest-bearing deposits	5,030,333	5,037,463
Total deposits	8,686,621	9,267,632
Accrued interest payable	7,612	2,098
Borrowed funds	323,981	63,925
Subordinated debt	109,665	109,367
Other liabilities	76,735	74,239
Total liabilities	9,204,614	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 September 30, 2023 and December 31, 2022	0	0
Common stock, $0.01 par value; 140,000,000 shares authorized; 53,321,541 shares issued and outstanding at September 30, 2023 and 52,954,985 shares issued and outstanding at December 31, 2022	533	530
Capital surplus	1,231,686	1,222,761
Retained earnings	385,600	303,146
Accumulated other comprehensive loss	(156,973)	(143,261)
Total shareholders’ equity	1,460,846	1,383,176
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$ 10,665,460	$ 10,900,437

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parentheticals) - $ / shares	Sep. 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)	53,321,541	52,954,985
Common stock, shares outstanding (in shares)	53,321,541	52,954,985

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
INTEREST INCOME:
Loans, including fees	$ 138,948	$ 58,025	$ 398,608	$ 164,230
Securities:
Taxable	9,493	6,655	28,872	17,294
Tax-exempt	437	2,594	2,135	7,676
Deposits in other financial institutions	2,391	608	9,027	1,825
Total interest income	151,269	67,882	438,642	191,025
INTEREST EXPENSE:
Demand, money market and savings deposits	23,557	3,527	62,302	6,733
Certificates and other time deposits	13,282	1,664	26,211	5,742
Borrowed funds	5,801	499	13,653	799
Subordinated debt	1,908	1,502	5,647	4,407
Total interest expense	44,548	7,192	107,813	17,681
NET INTEREST INCOME	106,721	60,690	330,829	173,344
Provision for credit losses	2,315	1,962	7,896	5,919
Net interest income after provision for credit losses	104,406	58,728	322,933	167,425
NONINTEREST INCOME:
Gain on sale of assets	0	42	192	25
Bank-owned life insurance income	551	135	1,605	610
Debit card and ATM income	935	869	4,454	2,568
Other	1,589	1,277	6,881	4,513
Total noninterest income	4,695	2,995	17,676	9,717
NONINTEREST EXPENSE:
Salaries and employee benefits	39,495	22,013	116,570	66,605
Net occupancy and equipment	4,455	2,129	12,360	6,554
Depreciation	1,952	1,003	5,629	3,048
Data processing and software amortization	4,798	2,541	14,526	7,561
Professional fees	997	485	4,088	1,285
Regulatory assessments and FDIC insurance	1,814	1,134	5,863	3,651
Amortization of intangibles	6,876	750	20,636	2,252
Communications	663	359	2,053	1,063
Advertising	877	385	2,623	1,330
Acquisition and merger-related expenses	3,421	10,551	12,483	12,669
Other	5,400	2,681	15,722	10,434
Total noninterest expense	70,748	44,031	212,553	116,452
INCOME BEFORE INCOME TAXES	38,353	17,692	128,056	60,690
Provision for income taxes	7,445	3,406	24,825	11,310
NET INCOME	$ 30,908	$ 14,286	$ 103,231	$ 49,380
EARNINGS PER SHARE:
Basic (in dollars per share)	$ 0.58	$ 0.51	$ 1.94	$ 1.72
Diluted (in dollars per share)	0.58	0.50	1.94	1.71
DIVIDENDS PER SHARE (in dollars per share)	$ 0.13	$ 0.10	$ 0.39	$ 0.30
Nonsufficient funds and overdraft charges
NONINTEREST INCOME:
Revenue from contract with customer	$ 291	$ 145	$ 1,115	$ 387
Service charges on deposit accounts
NONINTEREST INCOME:
Revenue from contract with customer	$ 1,329	$ 527	$ 3,429	$ 1,614

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Statement of Comprehensive Income [Abstract]
Net income	$ 30,908	$ 14,286	$ 103,231	$ 49,380
Unrealized loss on securities:
Change in unrealized holding loss on available for sale securities during the period	(31,638)	(60,618)	(17,390)	(229,887)
Reclassification of gain realized on securities	0	(42)	(234)	(25)
Total other comprehensive loss	(31,638)	(60,660)	(17,624)	(229,912)
Deferred tax benefit related to other comprehensive loss	6,669	12,739	3,912	48,282
Other comprehensive loss, net of tax	(24,969)	(47,921)	(13,712)	(181,630)
Comprehensive income (loss)	$ 5,939	$ (33,635)	$ 89,519	$ (132,250)

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	49,380			49,380
Other comprehensive loss	(181,630)				(181,630)
Cash dividends declared	(8,497)			(8,497)
Common stock issued in connection with the exercise of stock options and restricted stock awards (in shares)		122,619
Common stock issued in connection with the exercise of stock options and restricted stock awards	1,328	$ 1	1,327
Repurchase of common stock (in shares)		(831,911)
Repurchase of common stock	(23,606)	$ (9)	(23,597)
Stock-based compensation expense	2,859		2,859
Balance (in shares) at Sep. 30, 2022		28,136,611
Balance at Sep. 30, 2022	656,302	$ 281	511,434	307,975	(163,388)
Balance (in shares) at Jun. 30, 2022		28,586,426
Balance at Jun. 30, 2022	705,329	$ 286	524,033	296,477	(115,467)
Net income	14,286			14,286
Other comprehensive loss	(47,921)				(47,921)
Cash dividends declared	(2,788)			(2,788)
Common stock issued in connection with the exercise of stock options and restricted stock awards (in shares)		31,823
Common stock issued in connection with the exercise of stock options and restricted stock awards	343		343
Repurchase of common stock (in shares)		(481,638)
Repurchase of common stock	(13,916)	$ (5)	(13,911)
Stock-based compensation expense	969		969
Balance (in shares) at Sep. 30, 2022		28,136,611
Balance at Sep. 30, 2022	656,302	$ 281	511,434	307,975	(163,388)
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	103,231			103,231
Other comprehensive loss	(13,712)				(13,712)
Cash dividends declared	(20,777)			(20,777)
Common stock issued in connection with the exercise of stock options and restricted stock awards (in shares)		366,556
Common stock issued in connection with the exercise of stock options and restricted stock awards	693	$ 3	690
Stock-based compensation expense	8,235		8,235
Balance (in shares) at Sep. 30, 2023		53,321,541
Balance at Sep. 30, 2023	1,460,846	$ 533	1,231,686	385,600	(156,973)
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)
Net income	30,908			30,908
Other comprehensive loss	(24,969)				(24,969)
Cash dividends declared	(6,927)			(6,927)
Common stock issued in connection with the exercise of stock options and restricted stock awards (in shares)		18,807
Common stock issued in connection with the exercise of stock options and restricted stock awards	342		342
Stock-based compensation expense	2,812		2,812
Balance (in shares) at Sep. 30, 2023		53,321,541
Balance at Sep. 30, 2023	$ 1,460,846	$ 533	$ 1,231,686	$ 385,600	$ (156,973)

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parentheticals) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Statement of Stockholders' Equity [Abstract]
Per share amount of cash dividends declared (in dollars per share)	$ 0.13	$ 0.10	$ 0.39	$ 0.30

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 103,231	$ 49,380
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and core deposit intangibles amortization	26,265	5,300
Provision for credit losses	7,896	5,919
Deferred income tax benefit	11,617	(954)
Net amortization of premium on investments	5,098	7,903
Excess tax benefit from stock-based compensation	(70)	(312)
Bank-owned life insurance income	(1,605)	(610)
Net accretion of discount on loans	(35,065)	(165)
Net amortization of discount on subordinated debt	88	87
Net accretion of discount on certificates of deposit	(21)	(45)
Net gain on sale of assets	(192)	(25)
Federal Home Loan Bank stock dividends	(799)	(64)
Stock-based compensation expense	8,235	2,859
Net change in operating leases	3,055	2,178
Increase in accrued interest receivable and other assets	(165)	(1,415)
Increase in accrued interest payable and other liabilities	9,319	4,082
Net cash provided by operating activities	136,887	74,118
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from maturities and principal paydowns of available for sale securities	685,707	2,320,157
Proceeds from sales and calls of available for sale securities	320,691	12,056
Purchase of available for sale securities	(633,287)	(2,414,630)
Net change in total loans	(223,256)	(371,904)
Purchase of bank premises and equipment	(5,621)	(668)
Proceeds from sale of bank premises, equipment and other real estate	3,685	0
Net purchase of Federal Home Loan Bank stock	(13,165)	(7,421)
Net cash provided by (used in) investing activities	134,754	(462,410)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net (decrease) increase in noninterest-bearing deposits	(573,881)	222,754
Net decrease in interest-bearing deposits	(7,109)	(609,629)
Net change in short-term other borrowed funds	260,000	167,000
Dividends paid to common shareholders	(20,777)	(8,497)
Proceeds from the issuance of common stock and stock option exercises	693	1,328
Repurchase of common stock	0	(23,606)
Net cash used in financing activities	(341,074)	(250,650)
NET CHANGE IN CASH AND CASH EQUIVALENTS	(69,433)	(638,942)
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	371,705	757,509
CASH AND CASH EQUIVALENTS, END OF PERIOD	302,272	118,567
SUPPLEMENTAL CASH FLOW INFORMATION:
Income taxes paid	7,500	10,550
Interest paid	102,299	16,761
Cash paid for operating lease liabilities	3,372	2,559
SUPPLEMENTAL NONCASH DISCLOSURE:
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	9 Months Ended
	Sep. 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 nine months ended September 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. Allegiance Bank changed its name to Stellar Bank on February 18, 2023 in connection with the operational conversion. 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. The Company’s results of operations for the three and nine months ended September 30, 2022 reflect Allegiance's historical results and do not include the historical results of CBTX. 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	9 Months Ended
	Sep. 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 October 1, 2022. Total acquisition and merger-related expenses recognized for the three months ended September 30, 2023 and 2022 were $3.4 million and $10.6 million, respectively, and $12.5 million and $12.7 million for the nine months ended September 30, 2023 and 2022, respectively.

GOODWILL AND OTHER INTANGIBLE A

GOODWILL AND OTHER INTANGIBLE ASSETS	9 Months Ended
	Sep. 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 — (20,581) (55) Measurement period adjustment 58 — — Decrease due to payoff of serviced loans — — (27) Balance as of September 30, 2023 $ 497,318 $ 122,944 $ 227 Goodwill represents the excess of the cost of an acquisition over the fair value of the net assets acquired 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. During the third quarter of 2023, the Company completed the final tax returns related to CBTX's business and operations through September 30, 2022. After completion of these tax returns, the Company increased income tax balances and goodwill in the amount of $58 thousand which finalized all purchase accounting adjustments for the Merger. Goodwill is subject to impairment testing, which must be conducted at least annually or upon the occurrence of a triggering event. Various factors, such as the Company’s results of operations, the trading price of the Company’s common stock relative to the book value per share, macroeconomic conditions and conditions in the banking sector, inform whether a triggering event for an interim goodwill impairment test has occurred. Goodwill is recorded and evaluated for impairment at its reporting unit, the Company. The Company's policy is to test goodwill for impairment annually as of October 1st, or on an interim basis if an event triggering an impairment assessment is determined to have occurred. Testing of goodwill impairment comprises a two-step process. First, the Company performs a qualitative assessment to evaluate relevant events or circumstances to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount. If the Company determines that it is more likely than not that an impairment has occurred, it proceeds to the quantitative impairment test, whereby it calculates the fair value of the reporting unit and compares it with its carrying amount, including goodwill. In its performance of impairment testing, the Company has the unconditional option to proceed directly to the quantitative impairment test, bypassing the qualitative assessment. If the carrying amount of the reporting unit exceeds the fair value, the amount by which the carrying amount exceeds fair value, up to the carrying value of goodwill, is recorded through earnings as an impairment charge. If the results of the qualitative assessment indicate that it is not more likely than not that an impairment has occurred, or if the quantitative impairment test results in a fair value of the reporting unit that is greater than the carrying amount, then no impairment charge is recorded. During the nine months ended September 30, 2023, economic uncertainty and market volatility resulting from the rising interest rate environment and the recent banking crisis resulted in a decrease in the Company's stock price and market capitalization. Management believed such decrease was a triggering event requiring an interim goodwill impairment quantitative analysis for the third quarter 2023. As a result, the Company performed a qualitative assessment and quantitative impairment test on its only reporting unit as of September 30, 2023 and determined that there was no impairment as the fair value exceeded the carrying amount of the Company. If the Company had deemed intangible assets to be impaired, a non-cash charge for the amount of such impairment would be recorded through earnings and would have no impact on tangible capital or our regulatory capital. The estimated aggregate future amortization expense for core deposit intangible assets remaining as of September 30, 2023 is as follows (in thousands): Remaining 2023 $ 6,232 2024 24,166 2025 21,528 2026 18,896 Thereafter 52,122 Total $ 122,944

SECURITIES

SECURITIES	9 Months Ended
	Sep. 30, 2023
Investments, Debt and Equity Securities [Abstract]
SECURITIES	SECURITIES The amortized cost and fair value of investment securities were as follows: September 30, 2023 Amortized Gross Gross Fair (In thousands) Available for Sale U.S. government and agency securities $ 409,152 $ 129 $ (15,873) $ 393,408 Municipal securities 258,901 545 (40,330) 219,116 Agency mortgage-backed pass-through securities 378,573 22 (50,401) 328,194 Agency collateralized mortgage obligations 444,234 — (78,356) 365,878 Corporate bonds and other 122,812 29 (14,485) 108,356 Total $ 1,613,672 $ 725 $ (199,445) $ 1,414,952 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 September 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 belief 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 September 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 $ 77,562 $ 77,026 Due after one year through five years 185,518 174,016 Due after five years through ten years 141,625 125,892 Due after ten years 386,160 343,946 Subtotal 790,865 720,880 Agency mortgage-backed pass-through securities and collateralized mortgage obligations 822,807 694,072 Total $ 1,613,672 $ 1,414,952 Securities with unrealized losses segregated by length of time such securities have been in a continuous loss position are as follows: September 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 $ 111,573 $ (3,328) $ 261,872 $ (12,545) $ 373,445 $ (15,873) Municipal securities 18,062 (640) 166,011 (39,690) 184,073 (40,330) Agency mortgage-backed pass-through securities 79,012 (3,829) 248,186 (46,572) 327,197 (50,401) Agency collateralized mortgage obligations 13,881 (168) 351,996 (78,188) 365,878 (78,356) Corporate bonds and other 11,314 (1,249) 81,556 (13,236) 92,870 (14,485) Total $ 233,842 $ (9,214) $ 1,109,621 $ (190,231) $ 1,343,463 $ (199,445) 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 nine months ended September 30, 2023, the Company had sales and calls of securities of $320.5 million of securities recording gross gains of $234 thousand. During the nine months ended September 30, 2022, the Company sold $12.1 million of securities recording a gross gain of $42 thousand on the sale of those securities. At September 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.

LOANS AND ALLOWANCE FOR CREDIT

LOANS AND ALLOWANCE FOR CREDIT LOSSES	9 Months Ended
	Sep. 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: September 30, 2023 December 31, 2022 (In thousands) Commercial and industrial $ 1,474,600 $ 1,455,795 Paycheck Protection Program (PPP) 5,968 13,226 Real estate: Commercial real estate (including multi-family residential) 4,076,606 3,931,480 Commercial real estate construction and land development 1,078,265 1,037,678 1-4 family residential (including home equity) 1,024,945 1,000,956 Residential construction 289,553 268,150 Consumer and other 54,591 47,466 Total loans 8,004,528 7,754,751 Allowance for credit losses on loans (93,575) (93,180) Loans, net $ 7,910,953 $ 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 $36.4 million and $34.1 million as of September 30, 2023 and December 31, 2022, respectively, due to immateriality. September 30, 2023 Loans Past Due and Still Accruing Nonaccrual Current Total 30-89 90 or More Total Past (In thousands) Commercial and industrial $ 3,535 $ — $ 3,535 $ 14,971 $ 1,456,094 $ 1,474,600 Paycheck Protection Program (PPP) 85 — 85 20 5,863 5,968 Real estate: Commercial real estate (including multi-family residential) 19,649 — 19,649 13,563 4,043,394 4,076,606 Commercial real estate construction and land development 4,405 — 4,405 170 1,073,690 1,078,265 1-4 family residential (including home equity) 4,742 — 4,742 8,442 1,011,761 1,024,945 Residential construction 3,389 — 3,389 635 285,529 289,553 Consumer and other 215 — 215 490 53,886 54,591 Total loans $ 36,020 $ — $ 36,020 $ 38,291 $ 7,930,217 $ 8,004,528 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 and the gross charge-offs by primary loan type and year of origination or renewal. Generally, current period renewals of credit are re-underwritten at the point of renewal and considered current period originations for purposes of the table below. The following summarizes the amortized cost basis of loans by year of origination/renewal and credit quality indicator by class of loan as of September 30, 2023 and December 31, 2022: September 30, 2023 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 $ 249,626 $ 299,874 $ 194,032 $ 47,217 $ 31,150 $ 23,062 $ 528,399 $ 63,180 $ 1,436,540 $ 1,400,191 Special Mention 2,786 403 508 438 861 — 3,054 102 8,152 18,982 Substandard 1,250 3,925 9,303 1,140 12,131 281 1,057 771 29,858 36,568 Doubtful — 50 — — — — — — 50 54 Total commercial and industrial loans $ 253,662 $ 304,252 $ 203,843 $ 48,795 $ 44,142 $ 23,343 $ 532,510 $ 64,053 $ 1,474,600 $ 1,455,795 Current period gross charge-offs $ — $ 130 $ 4,264 $ 456 $ 129 $ — $ 4,143 $ 531 $ 9,653 Paycheck Protection Program (PPP) Pass $ — $ — $ 3,218 $ 2,750 $ — $ — $ — $ — $ 5,968 $ 13,226 Special Mention — — — — — — — — — — Substandard — — — — — — — — — — Doubtful — — — — — — — — — — Total PPP loans $ — $ — $ 3,218 $ 2,750 $ — $ — $ — $ — $ 5,968 $ 13,226 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial real estate (including multi-family residential) Pass $ 366,601 $ 1,327,957 $ 863,078 $ 467,867 $ 348,105 $ 480,980 $ 128,848 $ 11,052 $ 3,994,488 $ 3,844,951 Special Mention 934 508 7,756 8,409 1,716 12,414 305 — 32,042 18,183 Substandard 3,906 5,050 16,003 6,832 5,009 12,890 286 100 50,076 68,346 Doubtful — — — — — — — — — — Total commercial real estate (including multi-family residential) loans $ 371,441 $ 1,333,515 $ 886,837 $ 483,108 354830 $ 506,284 $ 129,439 $ 11,152 $ 4,076,606 $ 3,931,480 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial real estate construction and land development Pass $ 211,096 $ 518,943 $ 227,438 $ 29,351 $ 9,689 $ 6,189 $ 58,463 $ 693 $ 1,061,862 $ 1,025,141 Special Mention — 2,222 2,062 139 — 202 — — 4,625 832 Substandard 22 1,016 10,406 88 80 17 — 149 11,778 11,705 Doubtful — — — — — — — — — — Total commercial real estate construction and land development $ 211,118 $ 522,181 $ 239,906 $ 29,578 $ 9,769 $ 6,408 $ 58,463 $ 842 $ 1,078,265 $ 1,037,678 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — September 30, 2023 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 $ 132,680 $ 252,160 $ 224,562 $ 116,514 $ 72,701 $ 90,921 $ 94,320 $ 10,248 $ 994,106 $ 969,396 Special Mention 499 569 — 1,996 333 195 98 — 3,690 3,714 Substandard 1,940 2,399 3,103 1,468 3,893 4,493 7,071 2,782 27,149 27,846 Doubtful — — — — — — — — — — Total 1-4 family residential (including home equity) $ 135,119 $ 255,128 $ 227,665 $ 119,978 $ 76,927 $ 95,609 $ 101,489 $ 13,030 $ 1,024,945 $ 1,000,956 Current period gross charge-offs $ — $ — $ — $ — $ — $ 23 $ — $ — $ 23 Residential construction Pass $ 116,508 $ 136,500 $ 6,341 $ 4,117 $ 658 $ 499 $ 21,710 $ — $ 286,333 $ 266,943 Special Mention — 634 — — — — — — 634 421 Substandard — 635 1,951 — — — — — 2,586 786 Doubtful — — — — — — — — — — Total residential construction $ 116,508 $ 137,769 $ 8,292 $ 4,117 $ 658 $ 499 $ 21,710 $ — $ 289,553 $ 268,150 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Consumer and other Pass $ 23,489 $ 9,146 $ 4,130 $ 2,005 $ 676 $ 465 $ 13,192 $ 901 $ 54,004 $ 47,062 Special Mention — 26 — — — — 45 — 71 43 Substandard — 312 35 — 56 5 4 104 516 361 Doubtful — — — — — — — — — — Total consumer and other $ 23,489 $ 9,484 $ 4,165 $ 2,005 $ 732 $ 470 $ 13,241 $ 1,005 $ 54,591 $ 47,466 Current period gross charge-offs $ — $ 44 $ — $ — $ — $ — $ 1 $ — $ 45 Total loans Pass $ 1,100,000 $ 2,544,580 $ 1,522,799 $ 669,821 $ 462,979 $ 602,116 $ 844,932 $ 86,074 $ 7,833,301 $ 7,566,910 Special Mention 4,219 4,362 10,326 10,982 2,910 12,811 3,502 102 49,214 42,175 Substandard 7,118 13,337 40,801 9,528 21,169 17,686 8,418 3,906 121,963 145,612 Doubtful — 50 — — — — — — 50 54 Total loans $ 1,111,337 $ 2,562,329 $ 1,573,926 $ 690,331 $ 487,058 $ 632,613 $ 856,852 $ 90,082 $ 8,004,528 $ 7,754,751 Current period gross charge-offs $ — $ 174 $ 4,264 $ 456 $ 129 $ 23 $ 4,144 $ 531 $ 9,721 The following table presents the activity in the allowance for credit losses on loans by portfolio type for the three and nine months ended September 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 June 30, 2023 $ 38,505 $ — $ 38,963 $ 14,500 $ 4,757 $ 3,080 $ 390 $ 100,195 Provision for credit losses on loans 2,173 — 58 (791) 34 (221) 243 1,496 Charge-offs (8,169) — — — — — (7) (8,176) Recoveries 55 — 2 — — — 3 60 Net charge-offs (8,114) — 2 — — — (4) (8,116) Balance September 30, 2023 $ 32,564 $ — $ 39,023 $ 13,709 $ 4,791 $ 2,859 $ 629 $ 93,575 Nine 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 (143) — 6,037 (412) 2,096 1,063 298 8,939 Charge-offs (9,653) — — — (23) — (45) (9,721) Recoveries 1,124 — 16 — 9 — 28 1,177 Net charge-offs (8,529) — 16 — (14) — (17) (8,544) Balance September 30, 2023 $ 32,564 $ — $ 39,023 $ 13,709 $ 4,791 $ 2,859 $ 629 $ 93,575 Three Months Ended Balance June 30, 2022 $ 16,701 $ — $ 24,000 $ 7,399 $ 1,036 $ 1,048 $ 58 $ 50,242 Provision for credit losses on loans (1,091) — 1,606 952 (9) 188 14 1,660 Charge-offs (2) — (56) — — — (17) (75) Recoveries 319 — — — — — 1 320 Net recoveries 317 — (56) — — — (16) 245 Balance September 30, 2022 $ 15,927 $ — $ 25,550 $ 8,351 $ 1,027 $ 1,236 $ 56 $ 52,147 Nine Months Ended Balance December 31, 2021 $ 16,629 $ — $ 23,143 $ 6,263 $ 847 $ 975 $ 83 $ 47,940 Provision for credit losses on loans (464) — 2,740 2,096 180 261 37 4,850 Charge-offs (958) — (383) (63) — — (65) (1,469) Recoveries 720 — 50 55 — — 1 826 Net charge-offs (238) — (333) (8) — — (64) (643) Balance September 30, 2022 $ 15,927 $ — $ 25,550 $ 8,351 $ 1,027 $ 1,236 $ 56 $ 52,147 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 September 30, 2023 and December 31, 2022 was $10.9 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 an $818 thousand provision on unfunded commitments during the three months ended September 30, 2023 compared to $302 thousand for the three months ended September 30, 2022 and recorded a $1.0 million reversal of provision on unfunded commitments for the nine months ended September 30, 2023 compared to a provision of $1.1 million for the nine months ended September 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 September 30, 2023 and December 31, 2022: September 30, 2023 Real Estate Business Assets Other Total (In thousands) Commercial and industrial $ — $ 7,476 $ — $ 7,476 Real estate: Commercial real estate (including multi-family residential) 3,411 — — 3,411 Commercial real estate construction and land development — — — 1-4 family residential (including home equity) — — — — Residential construction — — — — Consumer and other — — — — Total $ 3,411 $ 7,476 $ — $ 10,887 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 September 30, 2023 and December 31, 2022. September 30, 2023 Nonaccrual Loans with No Related Allowance Nonaccrual Loans with Related Allowance Total Nonaccrual Loans (In thousands) Commercial and industrial $ 10,337 $ 4,634 $ 14,971 Paycheck Protection Program (PPP) 20 — 20 Real estate: Commercial real estate (including multi-family residential) 10,820 2,743 13,563 Commercial real estate construction and land development 170 — 170 1-4 family residential (including home equity) 6,849 1,593 8,442 Residential construction 635 — 635 Consumer and other 81 409 490 Total loans $ 28,912 $ 9,379 $ 38,291 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 September 30, 2023. The following tables present information regarding loans that were modified due to the borrowers experiencing financial difficulty during the three and nine months ended September 30, 2023: Three Months Ended September 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 $ — $ — $ — $ — $ — $ — $ — Real estate: Commercial real estate (including multi-family residential) — 1,890 — — — — 1,890 Commercial real estate construction and land development — — — — — — 1-4 family residential (including home equity) — 322 99 — — 71 492 Residential construction — — — — — — — Consumer and other — — — — — — — Total $ — $ 2,212 $ — $ — $ — $ 71 $ 2,382 Nine Months Ended September 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 $ 89 $ 2,185 $ — $ — $ — $ 260 $ 2,534 Real estate: Commercial real estate (including multi-family residential) — 2,670 — — — 1,703 4,373 Commercial real estate construction and land development — 6,850 — — — — 6,850 1-4 family residential (including home equity) — 1,037 99 — — 71 1,207 Residential construction — — — — — — — Consumer and other — 94 — — — — 94 Total $ 89 $ 12,836 $ 99 $ — $ — $ 2,034 $ 15,058 The following table summarizes, by loan portfolio, the financial effect of the Company's loan modifications for the three and nine months ended September 30, 2023: Three Months Ended September 30, 2023 Nine Months Ended September 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 — % — 2.0 % 12 Real estate: Commercial real estate (including multi-family residential) — % 6 — % 9 Commercial real estate construction and land development — % — — % 12 1-4 family residential (including home equity) 1.5 % 24 1.5 % 16 Residential construction — % — — % — Consumer and other — % — — % 7 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 nine months ended September 30, 2023: Interest Rate Reduction Term Extension Payment Delay Principal forgiveness (In thousands) Commercial and industrial $ 89 $ 670 $ — $ — Real estate: Commercial real estate (including multi-family residential) — — — — Commercial real estate construction and land development — — — — 1-4 family residential (including home equity) — 715 99 — Residential construction — — — — Consumer and other — — — — $ 89 $ 1,385 $ 99 $ — The following table presents information regarding loans modified in a troubled debt restructuring during the three and nine months ended September 30, 2022: Three Months Ended September 30, 2022 Nine Months Ended September 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 1 $ 224 $ 224 4 $ 768 $ 768 Real estate: Commercial real estate (including multi-family residential) — — — 4 1,207 1,207 Consumer and other 1 45 45 1 45 45 Total 2 $ 269 $ 269 9 $ 2,020 $ 2,020 Troubled debt restructurings resulted in no charge-offs during the nine months ended September 30, 2022. There were no loans modified under a trouble debt restructuring during the previous twelve-month period that subsequently defaulted during the nine-month period ended September 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 nine months ended September 30, 2022. There were no commitments to lend additional amounts to borrowers with trouble debt restructured loans for the three and nine months ended September 30, 2022.

LEASES

LEASES	9 Months Ended
	Sep. 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 nine months ended September 30, 2023 and 2022. At September 30, 2023, the Company had 31 leases consisting of branch locations and office space. On the September 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: September 30, 2023 December 31, 2022 (Dollars in thousands) Balance Sheet: Operating lease right of use asset classified as premises and equipment $ 20,483 $ 23,538 Operating lease liability classified as other liabilities $ 20,225 $ 23,136 Weighted average lease term, in years 7.91 8.18 Weighted average discount rate 4.14 % 4.00 % Lease costs for the dates indicated is as follows: Three Months Ended September 30, Nine Months Ended September 30, 2023 2022 2023 2022 (In thousands) Income Statement: Operating lease cost $ 1,885 $ 836 $ 5,280 $ 2,559 Short-term lease cost 8 — 21 — Total operating lease costs $ 1,893 $ 836 $ 5,301 $ 2,559 A maturity analysis of the Company’s lease liabilities is as follows: September 30, 2023 December 31, 2022 (In thousands) Lease payments due: Within one year $ 1,171 $ 4,634 After one but within two years 4,137 4,121 After two but within three years 3,681 3,684 After three but within four years 3,125 3,132 After four but within five years 2,914 2,918 After five years 9,279 9,303 Total lease payments 24,307 27,792 Less: discount on cash flows 4,082 4,656 Total lease liability $ 20,225 $ 23,136

FAIR VALUE

FAIR VALUE	9 Months Ended
	Sep. 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: September 30, 2023 Estimated Fair Value Carrying Level 1 Level 2 Level 3 Total (In thousands) Financial assets Cash and cash equivalents $ 302,272 $ 302,272 $ — $ — $ 302,272 Available for sale securities 1,414,952 — 1,414,952 — 1,414,952 Loans held for investment, net of allowance 7,910,953 — — 7,615,073 7,615,073 Accrued interest receivable 43,536 176 6,947 36,413 43,536 Financial liabilities Deposits $ 8,686,621 $ — $ 8,677,026 $ — $ 8,677,026 Accrued interest payable 7,612 — 7,612 — 7,612 Borrowed funds 323,981 — 323,998 — 323,998 Subordinated debt 109,665 — 107,469 — 107,469 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 September 30, 2023. September 30, 2023 Level 1 Level 2 Level 3 Total (In thousands) Financial assets Available for sale securities: U.S. government and agency securities $ — $ 393,408 $ — $ 393,408 Municipal securities — 219,116 — 219,116 Agency mortgage-backed pass-through securities — 328,194 — 328,194 Agency collateralized mortgage obligations — 365,878 — 365,878 Corporate bonds and other — 108,356 — 108,356 Interest rate swaps — — 10,218 10,218 Credit risk participation agreements — — 10 10 Total fair value of financial assets $ — $ 1,414,952 $ 10,228 $ 1,425,180 Financial liabilities Interest rate swaps $ — $ — $ 10,218 $ 10,218 Total fair value of financial liabilities $ — $ — $ 10,218 $ 10,218 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 nine months ended September 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 September 30, 2023 and December 31, 2022. September 30, 2023 Level 1 Level 2 Level 3 (In thousands) Loans: Commercial and industrial $ — $ — $ 13,830 Commercial real estate (including multi-family residential) — — 7,706 Commercial real estate construction and land development — — 6,654 1-4 family residential (including home equity) — — 2,776 Consumer and other — — 88 Branch assets held for sale 5,852 — — $ 5,852 $ — $ 31,054 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	9 Months Ended
	Sep. 30, 2023
Deposit Liabilities [Abstract]
DEPOSITS	DEPOSITS Time deposits that met or exceeded the Federal Deposit Insurance Corporation ("FDIC") insurance limit of $250,000 thousand at September 30, 2023 and December 31, 2022 were $560.2 million and $432.9 million, respectively. Scheduled maturities of time deposits for the next five years are as follows (in thousands): Within one year $ 1,399,265 After one but within two years 85,040 Over three years 19,586 Total $ 1,503,891 The Company had $579.0 million and $72.5 million of brokered deposits as of September 30, 2023 and December 31, 2022, respectively. There were no concentrations of deposits with any one depositor at September 30, 2023 and December 31, 2022.

DERIVATIVE INSTRUMENTS

DERIVATIVE INSTRUMENTS	9 Months Ended
	Sep. 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 September 30, 2023, management determined there was no such deterioration. At September 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 September 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 September 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 $ 110,946 $ 9,758 3.25% - 6.25% SOFR CME 1M + 2.50% - 3.00% 4.74 Financial institutions Other assets 4,940 460 4.99% U.S. Prime 4.21 Customers Other liabilities 4,940 (460) 4.99% U.S. Prime 4.21 Customers Other liabilities 110,946 (9,758) 3.25% - 6.25% SOFR CME 1M + 2.50% - 3.00% 4.74 Credit risk participations: Financial institutions Other assets 20,958 10 3.50% - 5.40% SOFR CME 1M + 2.50% 7.58 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	9 Months Ended
	Sep. 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 September 30, 2023, the Company had a total borrowing capacity with the FHLB of $3.82 billion, of which $2.28 billion was available and $1.54 billion was outstanding in/through FHLB advances and letters of credit. There were $324.0 million of FHLB short-term advances outstanding at September 30, 2023 at a weighted-average rate of 5.62%. Letters of credit were $1.22 billion at September 30, 2023, of which $50.8 million will expire during the remaining months of 2023, $72.8 million will expire in 2024, $494.5 million will expire in 2025, $57.3 million will expire in 2026, $448.0 million will expire in 2027, $40.0 million will expire in 2028, $27.0 million will expire in 2029 and $30.0 million will expire in 2031. 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 September 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 September 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	9 Months Ended
	Sep. 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 September 30, 2023 is set forth in the table below: Description Issuance Date Trust Preferred Securities Outstanding Interest Rate Junior Subordinated Debt Owed to Trusts Maturity Date (1) (Dollars in thousands) Farmers & Merchants Capital Trust II November 13, 2003 $ 7,500 3-Month SOFR + 3.26% $ 7,732 November 8, 2033 Farmers & Merchants Capital Trust III June 30, 2005 3,500 3-Month SOFR + 2.06% 3,609 July 7, 2035 $ 11,341 (1) 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 bore a floating rate of interest equal to 3-Month LIBOR plus 3.03%, which transitioned to 3-Month SOFR plus a comparable spread adjustment immediately after June 30, 2023, 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 September 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 3-Month SOFR, plus 3.13%, which transitioned from LIBOR immediately after June 30, 2023, for each quarterly interest period, 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	9 Months Ended
	Sep. 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 Nine Months Ended September 30, 2023 September 30, 2022 September 30, 2023 September 30, 2022 Income tax expense $ 7,445 $ 3,406 $ 24,825 $ 11,310 Effective income tax rate 19.4 % 19.3 % 19.4 % 18.6 %

STOCK BASED COMPENSATION

STOCK BASED COMPENSATION	9 Months Ended
	Sep. 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 September 30, 2023 were issued under the 2022 Plan. At September 30, 2023, there were 1,017,319 shares reserved and available 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 $969 thousand for the three months ended September 30, 2023 and 2022, respectively, and $8.2 million and $2.9 million for the nine months ended September 30, 2023 and 2022, respectively. Stock Options Stock options outstanding at September 30, 2023, were issued prior to the Merger under three equity compensation plans (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 nine months ended September 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 nine months ended September 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 (49) 14.19 Options forfeited (36) 20.67 Options outstanding, September 30, 2023 283 $ 18.18 2.17 $ 1,036 Options vested and exercisable, September 30, 2023 283 $ 18.18 2.17 $ 1,036 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 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 nine months ended September 30, 2023 is as follows: Number of Weighted (Shares in thousands) Nonvested share awards outstanding, January 1, 2023 501 $ 32.84 Share awards granted 262 25.67 Share awards vested (14) 25.99 Unvested share awards forfeited or cancelled (64) 31.03 Nonvested share awards outstanding, September 30, 2023 685 30.41 As of September 30, 2023, there was $13.1 million of total unrecognized compensation cost related to the restricted stock awards which is expected to be recognized over a weighted-average period of 1.70 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 nine months ended September 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 September 30, 2023, there was $2.0 million of unrecognized compensation expense related to the PSAs, which is expected to be recognized over a weighted-average period of 2.0 years.

OFF-BALANCE SHEET ARRANGEMENTS,

OFF-BALANCE SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES	9 Months Ended
	Sep. 30, 2023
Commitments and Contingencies Disclosure [Abstract]
OFF-BALANCE SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES	OFF-BALANCE SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES In 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: September 30, 2023 December 31, 2022 Fixed Variable Fixed Variable (In thousands) Commitments to extend credit (1) $ 432,498 $ 1,454,648 $ 673,098 $ 1,686,627 Standby letters of credit 14,507 23,249 10,310 25,190 Total $ 447,005 $ 1,477,897 $ 683,408 $ 1,711,817 1) At September 30, 2023 and December 31, 2022, the Company had FHLB Letters of Credit in the amount of $1.22 billion 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 September 30, 2023, the fixed rate loan commitments had interest rates ranging from 1.70% to 13.50% with a weighted average maturity and rate of 2.46 years and 6.28%, 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	9 Months Ended
	Sep. 30, 2023
Regulatory Capital Matters [Abstract]
REGULATORY CAPITAL MATTERS	REGULATORY CAPITAL MATTERS The 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 September 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 September 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) September 30, 2023 Total Capital (to risk-weighted assets) $ 1,201,404 13.42 % $ 716,402 8.00 % $ 940,278 10.50 % N/A N/A Common Equity Tier 1 Capital (to risk-weighted assets) 997,556 11.14 % 402,976 4.50 % 626,852 7.00 % N/A N/A Tier 1 Capital (to risk-weighted assets) 1,007,454 11.25 % 537,302 6.00 % 761,177 8.50 % N/A N/A Tier 1 Leverage (to average tangible assets) 1,007,454 9.82 % 410,344 4.00 % 410,344 4.00 % N/A N/A 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 September 30, 2023 Total Capital (to risk-weighted assets) $ 1,174,693 13.13 % $ 715,650 8.00 % $ 939,290 10.50 % $ 894,562 10.00 % Common Equity Tier 1 Capital (to risk-weighted assets) 1,040,743 11.63 % 402,553 4.50 % 626,193 7.00 % 581,465 6.50 % Tier 1 Capital (to risk-weighted assets) 1,040,743 11.63 % 536,737 6.00 % 760,378 8.50 % 715,650 8.00 % Tier 1 Leverage (to average tangible assets) 1,040,743 10.15 % 409,957 4.00 % 409,957 4.00 % 512,446 5.00 % 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	9 Months Ended
	Sep. 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 September 30, Nine Months Ended September 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 $ 30,908 $ 14,286 $ 103,231 $ 49,380 Basic: Weighted average shares outstanding 53,313 $ 0.58 28,286 $ 0.51 53,211 $ 1.94 28,679 $ 1.72 Diluted: Add incremental shares for: Dilutive effect of stock option exercises and performance share units 67 244 89 222 Total 53,380 $ 0.58 28,530 $ 0.50 53,300 $ 1.94 28,901 $ 1.71 There were 28,372 and no antidilutive shares as of September 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		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Pay vs Performance Disclosure
Net income	$ 30,908	$ 14,286	$ 103,231	$ 49,380

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Sep. 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)	9 Months Ended
	Sep. 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 nine months ended September 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. Allegiance Bank changed its name to Stellar Bank on February 18, 2023 in connection with the operational conversion. 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. The Company’s results of operations for the three and nine months ended September 30, 2022 reflect Allegiance's historical results and do not include the historical results of CBTX. 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
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)	9 Months Ended
	Sep. 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 %

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)	9 Months Ended
	Sep. 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 — (20,581) (55) Measurement period adjustment 58 — — Decrease due to payoff of serviced loans — — (27) Balance as of September 30, 2023 $ 497,318 $ 122,944 $ 227
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense	The estimated aggregate future amortization expense for core deposit intangible assets remaining as of September 30, 2023 is as follows (in thousands): Remaining 2023 $ 6,232 2024 24,166 2025 21,528 2026 18,896 Thereafter 52,122 Total $ 122,944

SECURITIES (Tables)

SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2023
Investments, Debt and Equity Securities [Abstract]
Available-for-sale Securities	The amortized cost and fair value of investment securities were as follows: September 30, 2023 Amortized Gross Gross Fair (In thousands) Available for Sale U.S. government and agency securities $ 409,152 $ 129 $ (15,873) $ 393,408 Municipal securities 258,901 545 (40,330) 219,116 Agency mortgage-backed pass-through securities 378,573 22 (50,401) 328,194 Agency collateralized mortgage obligations 444,234 — (78,356) 365,878 Corporate bonds and other 122,812 29 (14,485) 108,356 Total $ 1,613,672 $ 725 $ (199,445) $ 1,414,952 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 September 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 $ 77,562 $ 77,026 Due after one year through five years 185,518 174,016 Due after five years through ten years 141,625 125,892 Due after ten years 386,160 343,946 Subtotal 790,865 720,880 Agency mortgage-backed pass-through securities and collateralized mortgage obligations 822,807 694,072 Total $ 1,613,672 $ 1,414,952
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: September 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 $ 111,573 $ (3,328) $ 261,872 $ (12,545) $ 373,445 $ (15,873) Municipal securities 18,062 (640) 166,011 (39,690) 184,073 (40,330) Agency mortgage-backed pass-through securities 79,012 (3,829) 248,186 (46,572) 327,197 (50,401) Agency collateralized mortgage obligations 13,881 (168) 351,996 (78,188) 365,878 (78,356) Corporate bonds and other 11,314 (1,249) 81,556 (13,236) 92,870 (14,485) Total $ 233,842 $ (9,214) $ 1,109,621 $ (190,231) $ 1,343,463 $ (199,445) 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)	9 Months Ended
	Sep. 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: September 30, 2023 December 31, 2022 (In thousands) Commercial and industrial $ 1,474,600 $ 1,455,795 Paycheck Protection Program (PPP) 5,968 13,226 Real estate: Commercial real estate (including multi-family residential) 4,076,606 3,931,480 Commercial real estate construction and land development 1,078,265 1,037,678 1-4 family residential (including home equity) 1,024,945 1,000,956 Residential construction 289,553 268,150 Consumer and other 54,591 47,466 Total loans 8,004,528 7,754,751 Allowance for credit losses on loans (93,575) (93,180) Loans, net $ 7,910,953 $ 7,661,571
Financing Receivable Credit Quality Indicators	The following table presents risk ratings by category and the gross charge-offs by primary loan type and year of origination or renewal. Generally, current period renewals of credit are re-underwritten at the point of renewal and considered current period originations for purposes of the table below. The following summarizes the amortized cost basis of loans by year of origination/renewal and credit quality indicator by class of loan as of September 30, 2023 and December 31, 2022: September 30, 2023 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 $ 249,626 $ 299,874 $ 194,032 $ 47,217 $ 31,150 $ 23,062 $ 528,399 $ 63,180 $ 1,436,540 $ 1,400,191 Special Mention 2,786 403 508 438 861 — 3,054 102 8,152 18,982 Substandard 1,250 3,925 9,303 1,140 12,131 281 1,057 771 29,858 36,568 Doubtful — 50 — — — — — — 50 54 Total commercial and industrial loans $ 253,662 $ 304,252 $ 203,843 $ 48,795 $ 44,142 $ 23,343 $ 532,510 $ 64,053 $ 1,474,600 $ 1,455,795 Current period gross charge-offs $ — $ 130 $ 4,264 $ 456 $ 129 $ — $ 4,143 $ 531 $ 9,653 Paycheck Protection Program (PPP) Pass $ — $ — $ 3,218 $ 2,750 $ — $ — $ — $ — $ 5,968 $ 13,226 Special Mention — — — — — — — — — — Substandard — — — — — — — — — — Doubtful — — — — — — — — — — Total PPP loans $ — $ — $ 3,218 $ 2,750 $ — $ — $ — $ — $ 5,968 $ 13,226 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial real estate (including multi-family residential) Pass $ 366,601 $ 1,327,957 $ 863,078 $ 467,867 $ 348,105 $ 480,980 $ 128,848 $ 11,052 $ 3,994,488 $ 3,844,951 Special Mention 934 508 7,756 8,409 1,716 12,414 305 — 32,042 18,183 Substandard 3,906 5,050 16,003 6,832 5,009 12,890 286 100 50,076 68,346 Doubtful — — — — — — — — — — Total commercial real estate (including multi-family residential) loans $ 371,441 $ 1,333,515 $ 886,837 $ 483,108 354830 $ 506,284 $ 129,439 $ 11,152 $ 4,076,606 $ 3,931,480 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial real estate construction and land development Pass $ 211,096 $ 518,943 $ 227,438 $ 29,351 $ 9,689 $ 6,189 $ 58,463 $ 693 $ 1,061,862 $ 1,025,141 Special Mention — 2,222 2,062 139 — 202 — — 4,625 832 Substandard 22 1,016 10,406 88 80 17 — 149 11,778 11,705 Doubtful — — — — — — — — — — Total commercial real estate construction and land development $ 211,118 $ 522,181 $ 239,906 $ 29,578 $ 9,769 $ 6,408 $ 58,463 $ 842 $ 1,078,265 $ 1,037,678 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — September 30, 2023 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 $ 132,680 $ 252,160 $ 224,562 $ 116,514 $ 72,701 $ 90,921 $ 94,320 $ 10,248 $ 994,106 $ 969,396 Special Mention 499 569 — 1,996 333 195 98 — 3,690 3,714 Substandard 1,940 2,399 3,103 1,468 3,893 4,493 7,071 2,782 27,149 27,846 Doubtful — — — — — — — — — — Total 1-4 family residential (including home equity) $ 135,119 $ 255,128 $ 227,665 $ 119,978 $ 76,927 $ 95,609 $ 101,489 $ 13,030 $ 1,024,945 $ 1,000,956 Current period gross charge-offs $ — $ — $ — $ — $ — $ 23 $ — $ — $ 23 Residential construction Pass $ 116,508 $ 136,500 $ 6,341 $ 4,117 $ 658 $ 499 $ 21,710 $ — $ 286,333 $ 266,943 Special Mention — 634 — — — — — — 634 421 Substandard — 635 1,951 — — — — — 2,586 786 Doubtful — — — — — — — — — — Total residential construction $ 116,508 $ 137,769 $ 8,292 $ 4,117 $ 658 $ 499 $ 21,710 $ — $ 289,553 $ 268,150 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Consumer and other Pass $ 23,489 $ 9,146 $ 4,130 $ 2,005 $ 676 $ 465 $ 13,192 $ 901 $ 54,004 $ 47,062 Special Mention — 26 — — — — 45 — 71 43 Substandard — 312 35 — 56 5 4 104 516 361 Doubtful — — — — — — — — — — Total consumer and other $ 23,489 $ 9,484 $ 4,165 $ 2,005 $ 732 $ 470 $ 13,241 $ 1,005 $ 54,591 $ 47,466 Current period gross charge-offs $ — $ 44 $ — $ — $ — $ — $ 1 $ — $ 45 Total loans Pass $ 1,100,000 $ 2,544,580 $ 1,522,799 $ 669,821 $ 462,979 $ 602,116 $ 844,932 $ 86,074 $ 7,833,301 $ 7,566,910 Special Mention 4,219 4,362 10,326 10,982 2,910 12,811 3,502 102 49,214 42,175 Substandard 7,118 13,337 40,801 9,528 21,169 17,686 8,418 3,906 121,963 145,612 Doubtful — 50 — — — — — — 50 54 Total loans $ 1,111,337 $ 2,562,329 $ 1,573,926 $ 690,331 $ 487,058 $ 632,613 $ 856,852 $ 90,082 $ 8,004,528 $ 7,754,751 Current period gross charge-offs $ — $ 174 $ 4,264 $ 456 $ 129 $ 23 $ 4,144 $ 531 $ 9,721
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 $36.4 million and $34.1 million as of September 30, 2023 and December 31, 2022, respectively, due to immateriality. September 30, 2023 Loans Past Due and Still Accruing Nonaccrual Current Total 30-89 90 or More Total Past (In thousands) Commercial and industrial $ 3,535 $ — $ 3,535 $ 14,971 $ 1,456,094 $ 1,474,600 Paycheck Protection Program (PPP) 85 — 85 20 5,863 5,968 Real estate: Commercial real estate (including multi-family residential) 19,649 — 19,649 13,563 4,043,394 4,076,606 Commercial real estate construction and land development 4,405 — 4,405 170 1,073,690 1,078,265 1-4 family residential (including home equity) 4,742 — 4,742 8,442 1,011,761 1,024,945 Residential construction 3,389 — 3,389 635 285,529 289,553 Consumer and other 215 — 215 490 53,886 54,591 Total loans $ 36,020 $ — $ 36,020 $ 38,291 $ 7,930,217 $ 8,004,528 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 nine months ended September 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 June 30, 2023 $ 38,505 $ — $ 38,963 $ 14,500 $ 4,757 $ 3,080 $ 390 $ 100,195 Provision for credit losses on loans 2,173 — 58 (791) 34 (221) 243 1,496 Charge-offs (8,169) — — — — — (7) (8,176) Recoveries 55 — 2 — — — 3 60 Net charge-offs (8,114) — 2 — — — (4) (8,116) Balance September 30, 2023 $ 32,564 $ — $ 39,023 $ 13,709 $ 4,791 $ 2,859 $ 629 $ 93,575 Nine 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 (143) — 6,037 (412) 2,096 1,063 298 8,939 Charge-offs (9,653) — — — (23) — (45) (9,721) Recoveries 1,124 — 16 — 9 — 28 1,177 Net charge-offs (8,529) — 16 — (14) — (17) (8,544) Balance September 30, 2023 $ 32,564 $ — $ 39,023 $ 13,709 $ 4,791 $ 2,859 $ 629 $ 93,575 Three Months Ended Balance June 30, 2022 $ 16,701 $ — $ 24,000 $ 7,399 $ 1,036 $ 1,048 $ 58 $ 50,242 Provision for credit losses on loans (1,091) — 1,606 952 (9) 188 14 1,660 Charge-offs (2) — (56) — — — (17) (75) Recoveries 319 — — — — — 1 320 Net recoveries 317 — (56) — — — (16) 245 Balance September 30, 2022 $ 15,927 $ — $ 25,550 $ 8,351 $ 1,027 $ 1,236 $ 56 $ 52,147 Nine Months Ended Balance December 31, 2021 $ 16,629 $ — $ 23,143 $ 6,263 $ 847 $ 975 $ 83 $ 47,940 Provision for credit losses on loans (464) — 2,740 2,096 180 261 37 4,850 Charge-offs (958) — (383) (63) — — (65) (1,469) Recoveries 720 — 50 55 — — 1 826 Net charge-offs (238) — (333) (8) — — (64) (643) Balance September 30, 2022 $ 15,927 $ — $ 25,550 $ 8,351 $ 1,027 $ 1,236 $ 56 $ 52,147
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 September 30, 2023 and December 31, 2022: September 30, 2023 Real Estate Business Assets Other Total (In thousands) Commercial and industrial $ — $ 7,476 $ — $ 7,476 Real estate: Commercial real estate (including multi-family residential) 3,411 — — 3,411 Commercial real estate construction and land development — — — 1-4 family residential (including home equity) — — — — Residential construction — — — — Consumer and other — — — — Total $ 3,411 $ 7,476 $ — $ 10,887 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 September 30, 2023 and December 31, 2022. September 30, 2023 Nonaccrual Loans with No Related Allowance Nonaccrual Loans with Related Allowance Total Nonaccrual Loans (In thousands) Commercial and industrial $ 10,337 $ 4,634 $ 14,971 Paycheck Protection Program (PPP) 20 — 20 Real estate: Commercial real estate (including multi-family residential) 10,820 2,743 13,563 Commercial real estate construction and land development 170 — 170 1-4 family residential (including home equity) 6,849 1,593 8,442 Residential construction 635 — 635 Consumer and other 81 409 490 Total loans $ 28,912 $ 9,379 $ 38,291 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 nine months ended September 30, 2023: Three Months Ended September 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 $ — $ — $ — $ — $ — $ — $ — Real estate: Commercial real estate (including multi-family residential) — 1,890 — — — — 1,890 Commercial real estate construction and land development — — — — — — 1-4 family residential (including home equity) — 322 99 — — 71 492 Residential construction — — — — — — — Consumer and other — — — — — — — Total $ — $ 2,212 $ — $ — $ — $ 71 $ 2,382 Nine Months Ended September 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 $ 89 $ 2,185 $ — $ — $ — $ 260 $ 2,534 Real estate: Commercial real estate (including multi-family residential) — 2,670 — — — 1,703 4,373 Commercial real estate construction and land development — 6,850 — — — — 6,850 1-4 family residential (including home equity) — 1,037 99 — — 71 1,207 Residential construction — — — — — — — Consumer and other — 94 — — — — 94 Total $ 89 $ 12,836 $ 99 $ — $ — $ 2,034 $ 15,058 The following table summarizes, by loan portfolio, the financial effect of the Company's loan modifications for the three and nine months ended September 30, 2023: Three Months Ended September 30, 2023 Nine Months Ended September 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 — % — 2.0 % 12 Real estate: Commercial real estate (including multi-family residential) — % 6 — % 9 Commercial real estate construction and land development — % — — % 12 1-4 family residential (including home equity) 1.5 % 24 1.5 % 16 Residential construction — % — — % — Consumer and other — % — — % 7 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 nine months ended September 30, 2023: Interest Rate Reduction Term Extension Payment Delay Principal forgiveness (In thousands) Commercial and industrial $ 89 $ 670 $ — $ — Real estate: Commercial real estate (including multi-family residential) — — — — Commercial real estate construction and land development — — — — 1-4 family residential (including home equity) — 715 99 — Residential construction — — — — Consumer and other — — — — $ 89 $ 1,385 $ 99 $ — The following table presents information regarding loans modified in a troubled debt restructuring during the three and nine months ended September 30, 2022: Three Months Ended September 30, 2022 Nine Months Ended September 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 1 $ 224 $ 224 4 $ 768 $ 768 Real estate: Commercial real estate (including multi-family residential) — — — 4 1,207 1,207 Consumer and other 1 45 45 1 45 45 Total 2 $ 269 $ 269 9 $ 2,020 $ 2,020

LEASES (Tables)

LEASES (Tables)	9 Months Ended
	Sep. 30, 2023
Leases [Abstract]
Supplemental Lease Information	Supplemental lease information at the dates indicated is as follows: September 30, 2023 December 31, 2022 (Dollars in thousands) Balance Sheet: Operating lease right of use asset classified as premises and equipment $ 20,483 $ 23,538 Operating lease liability classified as other liabilities $ 20,225 $ 23,136 Weighted average lease term, in years 7.91 8.18 Weighted average discount rate 4.14 % 4.00 %
Summary of Lease Costs	Lease costs for the dates indicated is as follows: Three Months Ended September 30, Nine Months Ended September 30, 2023 2022 2023 2022 (In thousands) Income Statement: Operating lease cost $ 1,885 $ 836 $ 5,280 $ 2,559 Short-term lease cost 8 — 21 — Total operating lease costs $ 1,893 $ 836 $ 5,301 $ 2,559
Maturity Analysis of Lease Liabilities	A maturity analysis of the Company’s lease liabilities is as follows: September 30, 2023 December 31, 2022 (In thousands) Lease payments due: Within one year $ 1,171 $ 4,634 After one but within two years 4,137 4,121 After two but within three years 3,681 3,684 After three but within four years 3,125 3,132 After four but within five years 2,914 2,918 After five years 9,279 9,303 Total lease payments 24,307 27,792 Less: discount on cash flows 4,082 4,656 Total lease liability $ 20,225 $ 23,136

FAIR VALUE (Tables)

FAIR VALUE (Tables)	9 Months Ended
	Sep. 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: September 30, 2023 Estimated Fair Value Carrying Level 1 Level 2 Level 3 Total (In thousands) Financial assets Cash and cash equivalents $ 302,272 $ 302,272 $ — $ — $ 302,272 Available for sale securities 1,414,952 — 1,414,952 — 1,414,952 Loans held for investment, net of allowance 7,910,953 — — 7,615,073 7,615,073 Accrued interest receivable 43,536 176 6,947 36,413 43,536 Financial liabilities Deposits $ 8,686,621 $ — $ 8,677,026 $ — $ 8,677,026 Accrued interest payable 7,612 — 7,612 — 7,612 Borrowed funds 323,981 — 323,998 — 323,998 Subordinated debt 109,665 — 107,469 — 107,469 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 September 30, 2023. September 30, 2023 Level 1 Level 2 Level 3 Total (In thousands) Financial assets Available for sale securities: U.S. government and agency securities $ — $ 393,408 $ — $ 393,408 Municipal securities — 219,116 — 219,116 Agency mortgage-backed pass-through securities — 328,194 — 328,194 Agency collateralized mortgage obligations — 365,878 — 365,878 Corporate bonds and other — 108,356 — 108,356 Interest rate swaps — — 10,218 10,218 Credit risk participation agreements — — 10 10 Total fair value of financial assets $ — $ 1,414,952 $ 10,228 $ 1,425,180 Financial liabilities Interest rate swaps $ — $ — $ 10,218 $ 10,218 Total fair value of financial liabilities $ — $ — $ 10,218 $ 10,218 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 September 30, 2023 and December 31, 2022. September 30, 2023 Level 1 Level 2 Level 3 (In thousands) Loans: Commercial and industrial $ — $ — $ 13,830 Commercial real estate (including multi-family residential) — — 7,706 Commercial real estate construction and land development — — 6,654 1-4 family residential (including home equity) — — 2,776 Consumer and other — — 88 Branch assets held for sale 5,852 — — $ 5,852 $ — $ 31,054 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)	9 Months Ended
	Sep. 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 $ 1,399,265 After one but within two years 85,040 Over three years 19,586 Total $ 1,503,891

DERIVATIVE INSTRUMENTS (Tables)

DERIVATIVE INSTRUMENTS (Tables)	9 Months Ended
	Sep. 30, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivatives Not Designated as Hedging Instruments	Derivative instruments not designated as hedges outstanding as of September 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 $ 110,946 $ 9,758 3.25% - 6.25% SOFR CME 1M + 2.50% - 3.00% 4.74 Financial institutions Other assets 4,940 460 4.99% U.S. Prime 4.21 Customers Other liabilities 4,940 (460) 4.99% U.S. Prime 4.21 Customers Other liabilities 110,946 (9,758) 3.25% - 6.25% SOFR CME 1M + 2.50% - 3.00% 4.74 Credit risk participations: Financial institutions Other assets 20,958 10 3.50% - 5.40% SOFR CME 1M + 2.50% 7.58 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)	9 Months Ended
	Sep. 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 September 30, 2023 is set forth in the table below: Description Issuance Date Trust Preferred Securities Outstanding Interest Rate Junior Subordinated Debt Owed to Trusts Maturity Date (1) (Dollars in thousands) Farmers & Merchants Capital Trust II November 13, 2003 $ 7,500 3-Month SOFR + 3.26% $ 7,732 November 8, 2033 Farmers & Merchants Capital Trust III June 30, 2005 3,500 3-Month SOFR + 2.06% 3,609 July 7, 2035 $ 11,341 (1) All debentures are currently callable.

INCOME TAXES (Tables)

INCOME TAXES (Tables)	9 Months Ended
	Sep. 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 Nine Months Ended September 30, 2023 September 30, 2022 September 30, 2023 September 30, 2022 Income tax expense $ 7,445 $ 3,406 $ 24,825 $ 11,310 Effective income tax rate 19.4 % 19.3 % 19.4 % 18.6 %

STOCK BASED COMPENSATION (Table

STOCK BASED COMPENSATION (Tables)	9 Months Ended
	Sep. 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 nine months ended September 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 (49) 14.19 Options forfeited (36) 20.67 Options outstanding, September 30, 2023 283 $ 18.18 2.17 $ 1,036 Options vested and exercisable, September 30, 2023 283 $ 18.18 2.17 $ 1,036
Schedule of Share-based Compensation, Restricted Stock Units Award Activity	A summary of the activity of the nonvested shares of restricted stock during the nine months ended September 30, 2023 is as follows: Number of Weighted (Shares in thousands) Nonvested share awards outstanding, January 1, 2023 501 $ 32.84 Share awards granted 262 25.67 Share awards vested (14) 25.99 Unvested share awards forfeited or cancelled (64) 31.03 Nonvested share awards outstanding, September 30, 2023 685 30.41

OFF-BALANCE SHEET ARRANGEMENT_2

OFF-BALANCE SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES (Tables)	9 Months Ended
	Sep. 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: September 30, 2023 December 31, 2022 Fixed Variable Fixed Variable (In thousands) Commitments to extend credit (1) $ 432,498 $ 1,454,648 $ 673,098 $ 1,686,627 Standby letters of credit 14,507 23,249 10,310 25,190 Total $ 447,005 $ 1,477,897 $ 683,408 $ 1,711,817 1) At September 30, 2023 and December 31, 2022, the Company had FHLB Letters of Credit in the amount of $1.22 billion 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)	9 Months Ended
	Sep. 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 September 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) September 30, 2023 Total Capital (to risk-weighted assets) $ 1,201,404 13.42 % $ 716,402 8.00 % $ 940,278 10.50 % N/A N/A Common Equity Tier 1 Capital (to risk-weighted assets) 997,556 11.14 % 402,976 4.50 % 626,852 7.00 % N/A N/A Tier 1 Capital (to risk-weighted assets) 1,007,454 11.25 % 537,302 6.00 % 761,177 8.50 % N/A N/A Tier 1 Leverage (to average tangible assets) 1,007,454 9.82 % 410,344 4.00 % 410,344 4.00 % N/A N/A 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 September 30, 2023 Total Capital (to risk-weighted assets) $ 1,174,693 13.13 % $ 715,650 8.00 % $ 939,290 10.50 % $ 894,562 10.00 % Common Equity Tier 1 Capital (to risk-weighted assets) 1,040,743 11.63 % 402,553 4.50 % 626,193 7.00 % 581,465 6.50 % Tier 1 Capital (to risk-weighted assets) 1,040,743 11.63 % 536,737 6.00 % 760,378 8.50 % 715,650 8.00 % Tier 1 Leverage (to average tangible assets) 1,040,743 10.15 % 409,957 4.00 % 409,957 4.00 % 512,446 5.00 % 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)	9 Months Ended
	Sep. 30, 2023
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Basic and Diluted	Three Months Ended September 30, Nine Months Ended September 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 $ 30,908 $ 14,286 $ 103,231 $ 49,380 Basic: Weighted average shares outstanding 53,313 $ 0.58 28,286 $ 0.51 53,211 $ 1.94 28,679 $ 1.72 Diluted: Add incremental shares for: Dilutive effect of stock option exercises and performance share units 67 244 89 222 Total 53,380 $ 0.58 28,530 $ 0.50 53,300 $ 1.94 28,901 $ 1.71

NATURE OF OPERATIONS AND SUMM_3

NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES (Details)	Oct. 01, 2022 $ / shares shares	Sep. 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 - 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%

ACQUISITIONS - Narrative (Detai

ACQUISITIONS - Narrative (Details) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
	Oct. 01, 2022	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Business Acquisition [Line Items]
Merger, shares consideration received (in shares)	1.4184
Acquisition and merger-related expenses		$ 3,421	$ 10,551	$ 12,483	$ 12,669
CBTX
Business Acquisition [Line Items]
Acquisition and merger-related expenses		$ 3,400	$ 10,600	$ 12,500	$ 12,700
CBTX | Allegiance shareholders
Business Acquisition [Line Items]
Number of shares issued in acquisition (in shares)	28,100,000
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			9 Months Ended
	Sep. 30, 2023	Mar. 31, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Goodwill
Balance, beginning		$ 497,260,000		$ 497,260,000	$ 223,642,000
Acquired intangibles		273,618,000
Measurement period adjustment				58,000
Balance, ending	$ 497,318,000			497,318,000
Intangible Assets
Balance, beginning		143,525,000		143,525,000
Amortization	(6,876,000)		$ (750,000)	(20,636,000)	(2,252,000)
Balance, ending	122,944,000			122,944,000
Core Deposit Intangibles
Intangible Assets
Balance, beginning		143,525,000		143,525,000	14,658,000
Acquired intangibles		138,150,000
Amortization		(9,283,000)		(20,581,000)
Measurement period adjustment				0
Balance, ending	122,944,000			122,944,000
Servicing Assets
Intangible Assets
Balance, beginning		309,000		309,000	$ 0
Acquired intangibles		329,000
Amortization		$ (20,000)		(55,000)
Measurement period adjustment				0
Decrease due to payoff of serviced loans				(27,000)
Balance, ending	$ 227,000			$ 227,000

GOODWILL AND OTHER INTANGIBLE_4

GOODWILL AND OTHER INTANGIBLE ASSETS - Narrative (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2023 USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
Measurement period adjustment	$ 58

GOODWILL AND OTHER INTANGIBLE_5

GOODWILL AND OTHER INTANGIBLE ASSETS - Estimated Aggregate Future Amortization Expense for Core Deposit Intangibles (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Remaining 2023	$ 6,232
2024	24,166
2025	21,528
2026	18,896
Thereafter	52,122
Total	$ 122,944	$ 143,525

SECURITIES - Amortized Cost and

SECURITIES - Amortized Cost and Fair Value of Investment Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 1,613,672	$ 1,988,916
Gross Unrealized Gains	725	4,773
Gross Unrealized Losses	(199,445)	(186,103)
Fair Value	1,414,952	1,807,586
U.S. government and agency securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	409,152	433,417
Gross Unrealized Gains	129	90
Gross Unrealized Losses	(15,873)	(19,227)
Fair Value	393,408	414,280
Municipal securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	258,901	580,076
Gross Unrealized Gains	545	4,319
Gross Unrealized Losses	(40,330)	(43,826)
Fair Value	219,116	540,569
Agency mortgage-backed pass-through securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	378,573	370,471
Gross Unrealized Gains	22	362
Gross Unrealized Losses	(50,401)	(42,032)
Fair Value	328,194	328,801
Agency collateralized mortgage obligations
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	444,234	461,760
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(78,356)	(67,630)
Fair Value	365,878	394,130
Corporate bonds and other
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	122,812	143,192
Gross Unrealized Gains	29	2
Gross Unrealized Losses	(14,485)	(13,388)
Fair Value	$ 108,356	$ 129,806

SECURITIES - Amortized Cost a_2

SECURITIES - Amortized Cost and Fair Value of Investment Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Amortized Cost
Due in one year or less	$ 77,562
Due after one year through five years	185,518
Due after five years through ten years	141,625
Due after ten years	386,160
Subtotal	790,865
Agency mortgage-backed pass-through securities and collateralized mortgage obligations	822,807
Amortized Cost	1,613,672	$ 1,988,916
Fair Value
Due in one year or less	77,026
Due after one year through five years	174,016
Due after five years through ten years	125,892
Due after ten years	343,946
Subtotal	720,880
Agency mortgage-backed pass-through securities and collateralized mortgage obligations	694,072
Fair Value	$ 1,414,952	$ 1,807,586

SECURITIES - Narrative (Details

SECURITIES - Narrative (Details) - USD ($)	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales of available for sale securities	$ 320,500,000	$ 12,100,000
Realized gains	234,000	$ 42,000
Security owned and pledged as collateral, associated liabilities, fair value	$ 711,800,000		$ 978,900,000

SECURITIES - Securities in a Co

SECURITIES - Securities in a Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Sep. 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	$ 233,842	$ 613,275
Securities in a Continuous Unrealized Loss Position, Less than 12 Months, Unrealized Losses	(9,214)	(43,642)
Securities in a Continuous Unrealized Loss Position, More than 12 Months, Estimated Fair Value	1,109,621	966,550
Securities in a Continuous Unrealized Loss Position, More than 12 Months Unrealized Losses	(190,231)	(142,461)
Securities in a Continuous Unrealized Loss Position, Total Estimated Fair Value	1,343,463	1,579,825
Securities in a Continuous Unrealized Loss Position, Total Unrealized Losses	(199,445)	(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	111,573	99,732
Securities in a Continuous Unrealized Loss Position, Less than 12 Months, Unrealized Losses	(3,328)	(1,427)
Securities in a Continuous Unrealized Loss Position, More than 12 Months, Estimated Fair Value	261,872	305,256
Securities in a Continuous Unrealized Loss Position, More than 12 Months Unrealized Losses	(12,545)	(17,800)
Securities in a Continuous Unrealized Loss Position, Total Estimated Fair Value	373,445	404,988
Securities in a Continuous Unrealized Loss Position, Total Unrealized Losses	(15,873)	(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	18,062	228,192
Securities in a Continuous Unrealized Loss Position, Less than 12 Months, Unrealized Losses	(640)	(14,473)
Securities in a Continuous Unrealized Loss Position, More than 12 Months, Estimated Fair Value	166,011	134,640
Securities in a Continuous Unrealized Loss Position, More than 12 Months Unrealized Losses	(39,690)	(29,353)
Securities in a Continuous Unrealized Loss Position, Total Estimated Fair Value	184,073	362,832
Securities in a Continuous Unrealized Loss Position, Total Unrealized Losses	(40,330)	(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	79,012	95,291
Securities in a Continuous Unrealized Loss Position, Less than 12 Months, Unrealized Losses	(3,829)	(7,612)
Securities in a Continuous Unrealized Loss Position, More than 12 Months, Estimated Fair Value	248,186	199,836
Securities in a Continuous Unrealized Loss Position, More than 12 Months Unrealized Losses	(46,572)	(34,420)
Securities in a Continuous Unrealized Loss Position, Total Estimated Fair Value	327,197	295,127
Securities in a Continuous Unrealized Loss Position, Total Unrealized Losses	(50,401)	(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	13,881	117,147
Securities in a Continuous Unrealized Loss Position, Less than 12 Months, Unrealized Losses	(168)	(14,426)
Securities in a Continuous Unrealized Loss Position, More than 12 Months, Estimated Fair Value	351,996	276,925
Securities in a Continuous Unrealized Loss Position, More than 12 Months Unrealized Losses	(78,188)	(53,204)
Securities in a Continuous Unrealized Loss Position, Total Estimated Fair Value	365,878	394,072
Securities in a Continuous Unrealized Loss Position, Total Unrealized Losses	(78,356)	(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	11,314	72,913
Securities in a Continuous Unrealized Loss Position, Less than 12 Months, Unrealized Losses	(1,249)	(5,704)
Securities in a Continuous Unrealized Loss Position, More than 12 Months, Estimated Fair Value	81,556	49,893
Securities in a Continuous Unrealized Loss Position, More than 12 Months Unrealized Losses	(13,236)	(7,684)
Securities in a Continuous Unrealized Loss Position, Total Estimated Fair Value	92,870	122,806
Securities in a Continuous Unrealized Loss Position, Total Unrealized Losses	$ (14,485)	$ (13,388)

LOANS AND ALLOWANCE FOR CREDI_3

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loan Portfolio (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Dec. 31, 2021
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	$ 8,004,528		$ 7,754,751
Allowance for credit losses on loans	(93,575)	$ (100,195)	(93,180)	$ (52,147)	$ (50,242)	$ (47,940)
Loans, net	7,910,953		7,661,571
Commercial and industrial
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,474,600		1,455,795
Allowance for credit losses on loans	(32,564)	(38,505)	(41,236)	(15,927)	(16,701)	(16,629)
Paycheck Protection Program (PPP)
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	5,968		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	4,076,606		3,931,480
Allowance for credit losses on loans	(39,023)	(38,963)	(32,970)	(25,550)	(24,000)	(23,143)
Real estate: | Commercial real estate construction and land development
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,078,265		1,037,678
Allowance for credit losses on loans	(13,709)	(14,500)	(14,121)	(8,351)	(7,399)	(6,263)
Real estate: | 1-4 family residential (including home equity)
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,024,945		1,000,956
Allowance for credit losses on loans	(4,791)	(4,757)	(2,709)	(1,027)	(1,036)	(847)
Real estate: | Residential construction
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	289,553		268,150
Allowance for credit losses on loans	(2,859)	(3,080)	(1,796)	(1,236)	(1,048)	(975)
Consumer and other
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	54,591		47,466
Allowance for credit losses on loans	$ (629)	$ (390)	$ (348)	$ (56)	$ (58)	$ (83)

LOANS AND ALLOWANCE FOR CREDI_4

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Narrative (Details) - USD ($)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2021
Financing Receivable Allowance For Credit Losses [Line Items]
Accrued interest receivable	$ 36,400,000		$ 36,400,000		$ 34,100,000
Less: allowance for credit losses on loans	93,575,000	$ 52,147,000	93,575,000	$ 52,147,000	93,180,000	$ 100,195,000	$ 50,242,000	$ 47,940,000
Provision (reversal) for credit losses on loans	1,496,000	1,660,000	8,939,000	4,850,000
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	10,900,000		$ 10,900,000		$ 12,000,000
Provision (reversal) for credit losses on loans	$ 818,000	$ 302,000	$ 1,000,000	$ 1,100,000

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	Sep. 30, 2023	Dec. 31, 2022
Accounts Notes And Loans Receivable [Line Items]
Loans	$ 8,004,528	$ 7,754,751
Nonaccrual Loans	38,291	45,048
30-89 Days
Accounts Notes And Loans Receivable [Line Items]
Loans	36,020	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	36,020	9,758
Current Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	7,930,217	7,699,945
Commercial and industrial
Accounts Notes And Loans Receivable [Line Items]
Loans	1,474,600	1,455,795
Nonaccrual Loans	14,971	25,297
Commercial and industrial | 30-89 Days
Accounts Notes And Loans Receivable [Line Items]
Loans	3,535	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	3,535	1,591
Commercial and industrial | Current Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	1,456,094	1,428,907
Paycheck Protection Program (PPP)
Accounts Notes And Loans Receivable [Line Items]
Loans	5,968	13,226
Nonaccrual Loans	20	105
Paycheck Protection Program (PPP) | 30-89 Days
Accounts Notes And Loans Receivable [Line Items]
Loans	85	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	85	517
Paycheck Protection Program (PPP) | Current Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	5,863	12,604
Real estate: | Commercial real estate (including multi-family residential)
Accounts Notes And Loans Receivable [Line Items]
Loans	4,076,606	3,931,480
Nonaccrual Loans	13,563	9,970
Real estate: | Commercial real estate (including multi-family residential) | 30-89 Days
Accounts Notes And Loans Receivable [Line Items]
Loans	19,649	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	19,649	3,222
Real estate: | Commercial real estate (including multi-family residential) | Current Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	4,043,394	3,918,288
Real estate: | Commercial real estate construction and land development
Accounts Notes And Loans Receivable [Line Items]
Loans	1,078,265	1,037,678
Nonaccrual Loans	170	0
Real estate: | Commercial real estate construction and land development | 30-89 Days
Accounts Notes And Loans Receivable [Line Items]
Loans	4,405	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	4,405	851
Real estate: | Commercial real estate construction and land development | Current Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	1,073,690	1,036,827
Real estate: | 1-4 family residential (including home equity)
Accounts Notes And Loans Receivable [Line Items]
Loans	1,024,945	1,000,956
Nonaccrual Loans	8,442	9,404
Real estate: | 1-4 family residential (including home equity) | 30-89 Days
Accounts Notes And Loans Receivable [Line Items]
Loans	4,742	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	4,742	3,385
Real estate: | 1-4 family residential (including home equity) | Current Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	1,011,761	988,167
Real estate: | Residential construction
Accounts Notes And Loans Receivable [Line Items]
Loans	289,553	268,150
Nonaccrual Loans	635	0
Real estate: | Residential construction | 30-89 Days
Accounts Notes And Loans Receivable [Line Items]
Loans	3,389	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	3,389	0
Real estate: | Residential construction | Current Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	285,529	268,150
Consumer and other
Accounts Notes And Loans Receivable [Line Items]
Loans	54,591	47,466
Nonaccrual Loans	490	272
Consumer and other | 30-89 Days
Accounts Notes And Loans Receivable [Line Items]
Loans	215	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	215	192
Consumer and other | Current Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	$ 53,886	$ 47,002

LOANS AND ALLOWANCE FOR CREDI_6

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Risk Ratings by Category of Loans (Details) - USD ($)	9 Months Ended
	Sep. 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	$ 1,111,337,000
Term Loans Amortized Cost Basis by Origination Year, 2022	2,562,329,000
Term Loans Amortized Cost Basis by Origination Year, 2021	1,573,926,000
Term Loans Amortized Cost Basis by Origination Year, 2020	690,331,000
Term Loans Amortized Cost Basis by Origination Year, 2019	487,058,000
Term Loans Amortized Cost Basis by Origination Year, prior	632,613,000
Revolving Loans	856,852,000
Revolving Loans Converted to Term Loans	90,082,000
Total loans	8,004,528,000	$ 7,754,751,000
Current period gross charge-offs
Origination Year, 2023	0
Origination Year, 2022	174,000
Origination Year, 2021	4,264,000
Origination Year, 2020	456,000
Origination Year, 2019	129,000
Origination Year, Prior	23,000
Revolving Loans	4,144,000
Revolving Loans Converted to Term Loans	531,000
Current-period gross charge-offs, Total	9,721,000
Pass
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	1,100,000,000
Term Loans Amortized Cost Basis by Origination Year, 2022	2,544,580,000
Term Loans Amortized Cost Basis by Origination Year, 2021	1,522,799,000
Term Loans Amortized Cost Basis by Origination Year, 2020	669,821,000
Term Loans Amortized Cost Basis by Origination Year, 2019	462,979,000
Term Loans Amortized Cost Basis by Origination Year, prior	602,116,000
Revolving Loans	844,932,000
Revolving Loans Converted to Term Loans	86,074,000
Total loans	7,833,301,000	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	4,219,000
Term Loans Amortized Cost Basis by Origination Year, 2022	4,362,000
Term Loans Amortized Cost Basis by Origination Year, 2021	10,326,000
Term Loans Amortized Cost Basis by Origination Year, 2020	10,982,000
Term Loans Amortized Cost Basis by Origination Year, 2019	2,910,000
Term Loans Amortized Cost Basis by Origination Year, prior	12,811,000
Revolving Loans	3,502,000
Revolving Loans Converted to Term Loans	102,000
Total loans	49,214,000	42,175,000
Substandard
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	7,118,000
Term Loans Amortized Cost Basis by Origination Year, 2022	13,337,000
Term Loans Amortized Cost Basis by Origination Year, 2021	40,801,000
Term Loans Amortized Cost Basis by Origination Year, 2020	9,528,000
Term Loans Amortized Cost Basis by Origination Year, 2019	21,169,000
Term Loans Amortized Cost Basis by Origination Year, prior	17,686,000
Revolving Loans	8,418,000
Revolving Loans Converted to Term Loans	3,906,000
Total loans	121,963,000	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	50,000
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	50,000	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	253,662,000
Term Loans Amortized Cost Basis by Origination Year, 2022	304,252,000
Term Loans Amortized Cost Basis by Origination Year, 2021	203,843,000
Term Loans Amortized Cost Basis by Origination Year, 2020	48,795,000
Term Loans Amortized Cost Basis by Origination Year, 2019	44,142,000
Term Loans Amortized Cost Basis by Origination Year, prior	23,343,000
Revolving Loans	532,510,000
Revolving Loans Converted to Term Loans	64,053,000
Total loans	1,474,600,000	1,455,795,000
Current period gross charge-offs
Origination Year, 2023	0
Origination Year, 2022	130,000
Origination Year, 2021	4,264,000
Origination Year, 2020	456,000
Origination Year, 2019	129,000
Origination Year, Prior	0
Revolving Loans	4,143,000
Revolving Loans Converted to Term Loans	531,000
Current-period gross charge-offs, Total	9,653,000
Commercial and industrial | Pass
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	249,626,000
Term Loans Amortized Cost Basis by Origination Year, 2022	299,874,000
Term Loans Amortized Cost Basis by Origination Year, 2021	194,032,000
Term Loans Amortized Cost Basis by Origination Year, 2020	47,217,000
Term Loans Amortized Cost Basis by Origination Year, 2019	31,150,000
Term Loans Amortized Cost Basis by Origination Year, prior	23,062,000
Revolving Loans	528,399,000
Revolving Loans Converted to Term Loans	63,180,000
Total loans	1,436,540,000	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	2,786,000
Term Loans Amortized Cost Basis by Origination Year, 2022	403,000
Term Loans Amortized Cost Basis by Origination Year, 2021	508,000
Term Loans Amortized Cost Basis by Origination Year, 2020	438,000
Term Loans Amortized Cost Basis by Origination Year, 2019	861,000
Term Loans Amortized Cost Basis by Origination Year, prior	0
Revolving Loans	3,054,000
Revolving Loans Converted to Term Loans	102,000
Total loans	8,152,000	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	1,250,000
Term Loans Amortized Cost Basis by Origination Year, 2022	3,925,000
Term Loans Amortized Cost Basis by Origination Year, 2021	9,303,000
Term Loans Amortized Cost Basis by Origination Year, 2020	1,140,000
Term Loans Amortized Cost Basis by Origination Year, 2019	12,131,000
Term Loans Amortized Cost Basis by Origination Year, prior	281,000
Revolving Loans	1,057,000
Revolving Loans Converted to Term Loans	771,000
Total loans	29,858,000	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	50,000
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	50,000	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	3,218,000
Term Loans Amortized Cost Basis by Origination Year, 2020	2,750,000
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	5,968,000	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	3,218,000
Term Loans Amortized Cost Basis by Origination Year, 2020	2,750,000
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	5,968,000	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	371,441,000
Term Loans Amortized Cost Basis by Origination Year, 2022	1,333,515,000
Term Loans Amortized Cost Basis by Origination Year, 2021	886,837,000
Term Loans Amortized Cost Basis by Origination Year, 2020	483,108,000
Term Loans Amortized Cost Basis by Origination Year, 2019	354,830,000
Term Loans Amortized Cost Basis by Origination Year, prior	506,284,000
Revolving Loans	129,439,000
Revolving Loans Converted to Term Loans	11,152,000
Total loans	4,076,606,000	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	366,601,000
Term Loans Amortized Cost Basis by Origination Year, 2022	1,327,957,000
Term Loans Amortized Cost Basis by Origination Year, 2021	863,078,000
Term Loans Amortized Cost Basis by Origination Year, 2020	467,867,000
Term Loans Amortized Cost Basis by Origination Year, 2019	348,105,000
Term Loans Amortized Cost Basis by Origination Year, prior	480,980,000
Revolving Loans	128,848,000
Revolving Loans Converted to Term Loans	11,052,000
Total loans	3,994,488,000	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	934,000
Term Loans Amortized Cost Basis by Origination Year, 2022	508,000
Term Loans Amortized Cost Basis by Origination Year, 2021	7,756,000
Term Loans Amortized Cost Basis by Origination Year, 2020	8,409,000
Term Loans Amortized Cost Basis by Origination Year, 2019	1,716,000
Term Loans Amortized Cost Basis by Origination Year, prior	12,414,000
Revolving Loans	305,000
Revolving Loans Converted to Term Loans	0
Total loans	32,042,000	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	3,906,000
Term Loans Amortized Cost Basis by Origination Year, 2022	5,050,000
Term Loans Amortized Cost Basis by Origination Year, 2021	16,003,000
Term Loans Amortized Cost Basis by Origination Year, 2020	6,832,000
Term Loans Amortized Cost Basis by Origination Year, 2019	5,009,000
Term Loans Amortized Cost Basis by Origination Year, prior	12,890,000
Revolving Loans	286,000
Revolving Loans Converted to Term Loans	100,000
Total loans	50,076,000	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	211,118,000
Term Loans Amortized Cost Basis by Origination Year, 2022	522,181,000
Term Loans Amortized Cost Basis by Origination Year, 2021	239,906,000
Term Loans Amortized Cost Basis by Origination Year, 2020	29,578,000
Term Loans Amortized Cost Basis by Origination Year, 2019	9,769,000
Term Loans Amortized Cost Basis by Origination Year, prior	6,408,000
Revolving Loans	58,463,000
Revolving Loans Converted to Term Loans	842,000
Total loans	1,078,265,000	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	211,096,000
Term Loans Amortized Cost Basis by Origination Year, 2022	518,943,000
Term Loans Amortized Cost Basis by Origination Year, 2021	227,438,000
Term Loans Amortized Cost Basis by Origination Year, 2020	29,351,000
Term Loans Amortized Cost Basis by Origination Year, 2019	9,689,000
Term Loans Amortized Cost Basis by Origination Year, prior	6,189,000
Revolving Loans	58,463,000
Revolving Loans Converted to Term Loans	693,000
Total loans	1,061,862,000	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	2,222,000
Term Loans Amortized Cost Basis by Origination Year, 2021	2,062,000
Term Loans Amortized Cost Basis by Origination Year, 2020	139,000
Term Loans Amortized Cost Basis by Origination Year, 2019	0
Term Loans Amortized Cost Basis by Origination Year, prior	202,000
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	4,625,000	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	22,000
Term Loans Amortized Cost Basis by Origination Year, 2022	1,016,000
Term Loans Amortized Cost Basis by Origination Year, 2021	10,406,000
Term Loans Amortized Cost Basis by Origination Year, 2020	88,000
Term Loans Amortized Cost Basis by Origination Year, 2019	80,000
Term Loans Amortized Cost Basis by Origination Year, prior	17,000
Revolving Loans	0
Revolving Loans Converted to Term Loans	149,000
Total loans	11,778,000	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	135,119,000
Term Loans Amortized Cost Basis by Origination Year, 2022	255,128,000
Term Loans Amortized Cost Basis by Origination Year, 2021	227,665,000
Term Loans Amortized Cost Basis by Origination Year, 2020	119,978,000
Term Loans Amortized Cost Basis by Origination Year, 2019	76,927,000
Term Loans Amortized Cost Basis by Origination Year, prior	95,609,000
Revolving Loans	101,489,000
Revolving Loans Converted to Term Loans	13,030,000
Total loans	1,024,945,000	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	132,680,000
Term Loans Amortized Cost Basis by Origination Year, 2022	252,160,000
Term Loans Amortized Cost Basis by Origination Year, 2021	224,562,000
Term Loans Amortized Cost Basis by Origination Year, 2020	116,514,000
Term Loans Amortized Cost Basis by Origination Year, 2019	72,701,000
Term Loans Amortized Cost Basis by Origination Year, prior	90,921,000
Revolving Loans	94,320,000
Revolving Loans Converted to Term Loans	10,248,000
Total loans	994,106,000	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	499,000
Term Loans Amortized Cost Basis by Origination Year, 2022	569,000
Term Loans Amortized Cost Basis by Origination Year, 2021	0
Term Loans Amortized Cost Basis by Origination Year, 2020	1,996,000
Term Loans Amortized Cost Basis by Origination Year, 2019	333,000
Term Loans Amortized Cost Basis by Origination Year, prior	195,000
Revolving Loans	98,000
Revolving Loans Converted to Term Loans	0
Total loans	3,690,000	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	1,940,000
Term Loans Amortized Cost Basis by Origination Year, 2022	2,399,000
Term Loans Amortized Cost Basis by Origination Year, 2021	3,103,000
Term Loans Amortized Cost Basis by Origination Year, 2020	1,468,000
Term Loans Amortized Cost Basis by Origination Year, 2019	3,893,000
Term Loans Amortized Cost Basis by Origination Year, prior	4,493,000
Revolving Loans	7,071,000
Revolving Loans Converted to Term Loans	2,782,000
Total loans	27,149,000	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	116,508,000
Term Loans Amortized Cost Basis by Origination Year, 2022	137,769,000
Term Loans Amortized Cost Basis by Origination Year, 2021	8,292,000
Term Loans Amortized Cost Basis by Origination Year, 2020	4,117,000
Term Loans Amortized Cost Basis by Origination Year, 2019	658,000
Term Loans Amortized Cost Basis by Origination Year, prior	499,000
Revolving Loans	21,710,000
Revolving Loans Converted to Term Loans	0
Total loans	289,553,000	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	116,508,000
Term Loans Amortized Cost Basis by Origination Year, 2022	136,500,000
Term Loans Amortized Cost Basis by Origination Year, 2021	6,341,000
Term Loans Amortized Cost Basis by Origination Year, 2020	4,117,000
Term Loans Amortized Cost Basis by Origination Year, 2019	658,000
Term Loans Amortized Cost Basis by Origination Year, prior	499,000
Revolving Loans	21,710,000
Revolving Loans Converted to Term Loans	0
Total loans	286,333,000	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	634,000
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	634,000	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	0
Term Loans Amortized Cost Basis by Origination Year, 2022	635,000
Term Loans Amortized Cost Basis by Origination Year, 2021	1,951,000
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	2,586,000	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	23,489,000
Term Loans Amortized Cost Basis by Origination Year, 2022	9,484,000
Term Loans Amortized Cost Basis by Origination Year, 2021	4,165,000
Term Loans Amortized Cost Basis by Origination Year, 2020	2,005,000
Term Loans Amortized Cost Basis by Origination Year, 2019	732,000
Term Loans Amortized Cost Basis by Origination Year, prior	470,000
Revolving Loans	13,241,000
Revolving Loans Converted to Term Loans	1,005,000
Total loans	54,591,000	47,466,000
Current period gross charge-offs
Origination Year, 2023	0
Origination Year, 2022	44,000
Origination Year, 2021	0
Origination Year, 2020	0
Origination Year, 2019	0
Origination Year, Prior	0
Revolving Loans	1,000
Revolving Loans Converted to Term Loans	0
Current-period gross charge-offs, Total	45,000
Consumer and other | Pass
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Term Loans Amortized Cost Basis by Origination Year, 2023	23,489,000
Term Loans Amortized Cost Basis by Origination Year, 2022	9,146,000
Term Loans Amortized Cost Basis by Origination Year, 2021	4,130,000
Term Loans Amortized Cost Basis by Origination Year, 2020	2,005,000
Term Loans Amortized Cost Basis by Origination Year, 2019	676,000
Term Loans Amortized Cost Basis by Origination Year, prior	465,000
Revolving Loans	13,192,000
Revolving Loans Converted to Term Loans	901,000
Total loans	54,004,000	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	26,000
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	45,000
Revolving Loans Converted to Term Loans	0
Total loans	71,000	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	312,000
Term Loans Amortized Cost Basis by Origination Year, 2021	35,000
Term Loans Amortized Cost Basis by Origination Year, 2020	0
Term Loans Amortized Cost Basis by Origination Year, 2019	56,000
Term Loans Amortized Cost Basis by Origination Year, prior	5,000
Revolving Loans	4,000
Revolving Loans Converted to Term Loans	104,000
Total loans	516,000	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		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Allowance for credit losses on loans:
Balance, beginning of period	$ 100,195	$ 50,242	$ 93,180	$ 47,940
Provision for credit losses on loans	1,496	1,660	8,939	4,850
Charge-offs	(8,176)	(75)	(9,721)	(1,469)
Recoveries	60	320	1,177	826
Net charge-offs	(8,116)	245	(8,544)	(643)
Balance, end of period	93,575	52,147	93,575	52,147
Commercial and industrial
Allowance for credit losses on loans:
Balance, beginning of period	38,505	16,701	41,236	16,629
Provision for credit losses on loans	2,173	(1,091)	(143)	(464)
Charge-offs	(8,169)	(2)	(9,653)	(958)
Recoveries	55	319	1,124	720
Net charge-offs	(8,114)	317	(8,529)	(238)
Balance, end of period	32,564	15,927	32,564	15,927
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	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	38,963	24,000	32,970	23,143
Provision for credit losses on loans	58	1,606	6,037	2,740
Charge-offs	0	(56)	0	(383)
Recoveries	2	0	16	50
Net charge-offs	2	(56)	16	(333)
Balance, end of period	39,023	25,550	39,023	25,550
Real estate: | Commercial real estate construction and land development
Allowance for credit losses on loans:
Balance, beginning of period	14,500	7,399	14,121	6,263
Provision for credit losses on loans	(791)	952	(412)	2,096
Charge-offs	0	0	0	(63)
Recoveries	0	0	0	55
Net charge-offs	0	0	0	(8)
Balance, end of period	13,709	8,351	13,709	8,351
Real estate: | 1-4 family residential (including home equity)
Allowance for credit losses on loans:
Balance, beginning of period	4,757	1,036	2,709	847
Provision for credit losses on loans	34	(9)	2,096	180
Charge-offs	0	0	(23)	0
Recoveries	0	0	9	0
Net charge-offs	0	0	(14)	0
Balance, end of period	4,791	1,027	4,791	1,027
Real estate: | Residential construction
Allowance for credit losses on loans:
Balance, beginning of period	3,080	1,048	1,796	975
Provision for credit losses on loans	(221)	188	1,063	261
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Net charge-offs	0	0	0	0
Balance, end of period	2,859	1,236	2,859	1,236
Consumer and other
Allowance for credit losses on loans:
Balance, beginning of period	390	58	348	83
Provision for credit losses on loans	243	14	298	37
Charge-offs	(7)	(17)	(45)	(65)
Recoveries	3	1	28	1
Net charge-offs	(4)	(16)	(17)	(64)
Balance, end of period	$ 629	$ 56	$ 629	$ 56

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	Sep. 30, 2023	Dec. 31, 2022
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	$ 10,887	$ 23,531
Real Estate
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	3,411	5,090
Business Assets
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	7,476	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	7,476	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	7,476	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	3,411	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	3,411	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	0	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		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	0	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	0	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	0	0
Real estate: | Residential construction | Real Estate
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	0	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	Sep. 30, 2023	Dec. 31, 2022
Financing Receivable Nonaccrual Status [Line Items]
Nonaccrual Loans with No Related Allowance	$ 28,912	$ 16,535
Nonaccrual Loans with Related Allowance	9,379	28,513
Total Nonaccrual Loans	38,291	45,048
Commercial and industrial
Financing Receivable Nonaccrual Status [Line Items]
Nonaccrual Loans with No Related Allowance	10,337	2,776
Nonaccrual Loans with Related Allowance	4,634	22,521
Total Nonaccrual Loans	14,971	25,297
Paycheck Protection Program (PPP)
Financing Receivable Nonaccrual Status [Line Items]
Nonaccrual Loans with No Related Allowance	20	105
Nonaccrual Loans with Related Allowance	0	0
Total Nonaccrual Loans	20	105
Real estate: | Commercial real estate (including multi-family residential)
Financing Receivable Nonaccrual Status [Line Items]
Nonaccrual Loans with No Related Allowance	10,820	8,704
Nonaccrual Loans with Related Allowance	2,743	1,266
Total Nonaccrual Loans	13,563	9,970
Real estate: | Commercial real estate construction and land development
Financing Receivable Nonaccrual Status [Line Items]
Nonaccrual Loans with No Related Allowance	170	0
Nonaccrual Loans with Related Allowance	0	0
Total Nonaccrual Loans	170	0
Real estate: | 1-4 family residential (including home equity)
Financing Receivable Nonaccrual Status [Line Items]
Nonaccrual Loans with No Related Allowance	6,849	4,856
Nonaccrual Loans with Related Allowance	1,593	4,548
Total Nonaccrual Loans	8,442	9,404
Real estate: | Residential construction
Financing Receivable Nonaccrual Status [Line Items]
Nonaccrual Loans with No Related Allowance	635	0
Nonaccrual Loans with Related Allowance	0	0
Total Nonaccrual Loans	635	0
Consumer and other
Financing Receivable Nonaccrual Status [Line Items]
Nonaccrual Loans with No Related Allowance	81	94
Nonaccrual Loans with Related Allowance	409	178
Total Nonaccrual Loans	$ 490	$ 272

LOANS AND ALLOWANCE FOR CRED_10

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans Modified Borrowers Experiencing Financial Difficulty (Details) - USD ($)	3 Months Ended	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2023
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	$ 2,382,000	$ 15,058,000
Interest Rate Reduction
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	89,000
Term Extension
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	2,212,000	12,836,000
Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	99,000
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	71,000	2,034,000
Commercial and industrial
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	2,534,000
Commercial and industrial | Interest Rate Reduction
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	89,000
Commercial and industrial | Term Extension
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	2,185,000
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	0	260,000
Real estate: | Commercial real estate (including multi-family residential)
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	1,890,000	4,373,000
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	1,890,000	2,670,000
Real estate: | Commercial real estate (including multi-family residential) | Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0
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	0	1,703,000
Real estate: | Commercial real estate construction and land development
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	6,850,000
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		6,850,000
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	492,000	1,207,000
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	322,000	1,037,000
Real estate: | 1-4 family residential (including home equity) | Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	99,000	99,000
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	71,000	71,000
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	0	94,000
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	0	94,000
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	9 Months Ended
	Sep. 30, 2023	Sep. 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
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	6 months	9 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
Real estate: | 1-4 family residential (including home equity)
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted Average Interest Rate Reduction	1.50%	1.50%
Weighted Average Term Extension	24 months	16 years
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		7 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
	Sep. 30, 2023 USD ($)
Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	$ 89
Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	1,385
Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	99
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	89
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	715
Real estate: | 1-4 family residential (including home equity) | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	99
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	9 Months Ended
	Sep. 30, 2022 USD ($) contract	Sep. 30, 2022 USD ($) contract
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	2	9
Pre-modifications of Outstanding Recorded Investment	$ 269	$ 2,020
Post-modifications of Outstanding Recorded Investment	$ 269	$ 2,020
Commercial and industrial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	1	4
Pre-modifications of Outstanding Recorded Investment	$ 224	$ 768
Post-modifications of Outstanding Recorded Investment	$ 224	$ 768
Real estate: | Commercial real estate (including multi-family residential)
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	0	4
Pre-modifications of Outstanding Recorded Investment	$ 0	$ 1,207
Post-modifications of Outstanding Recorded Investment	$ 0	$ 1,207
Consumer and other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Contracts | contract	1	1
Pre-modifications of Outstanding Recorded Investment	$ 45	$ 45
Post-modifications of Outstanding Recorded Investment	$ 45	$ 45

LEASES - Narrative (Details)

LEASES - Narrative (Details)	9 Months Ended
	Sep. 30, 2023 lease
Lessee Lease Description [Line Items]
Number of leased branch locations and office space along with equipment	31
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	Sep. 30, 2023	Dec. 31, 2022
Balance Sheet:
Operating lease right of use asset classified as premises and equipment	$ 20,483	$ 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	$ 20,225	$ 23,136
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other liabilities	Other liabilities
Weighted average lease term, in years	7 years 10 months 28 days	8 years 2 months 4 days
Weighted average discount rate	4.14%	4%

LEASES - Summary of Lease Costs

LEASES - Summary of Lease Costs (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Income Statement:
Operating lease cost	$ 1,885	$ 836	$ 5,280	$ 2,559
Short-term lease cost	8	0	21	0
Total operating lease costs	$ 1,893	$ 836	$ 5,301	$ 2,559

LEASES - Maturity Analysis of L

LEASES - Maturity Analysis of Lease Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Lease payments due:
Within one year	$ 1,171	$ 4,634
After one but within two years	4,137	4,121
After two but within three years	3,681	3,684
After three but within four years	3,125	3,132
After four but within five years	2,914	2,918
After five years	9,279	9,303
Total lease payments	24,307	27,792
Less: discount on cash flows	4,082	4,656
Operating lease liability classified as other liabilities	$ 20,225	$ 23,136

FAIR VALUE - Carrying Amounts a

FAIR VALUE - Carrying Amounts and Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	$ 1,414,952	$ 1,807,586
Accrued interest receivable	36,400	34,100
Carrying Amount
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	302,272	371,705
Available for sale securities	1,414,952	1,807,586
Loans held for investment, net of allowance	7,910,953	7,661,571
Accrued interest receivable	43,536	44,743
Deposits	8,686,621	9,267,632
Accrued interest payable	7,612	2,098
Borrowed funds	323,981	63,925
Subordinated debt	109,665	109,367
Estimated Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	302,272	371,705
Available for sale securities	1,414,952	1,807,586
Loans held for investment, net of allowance	7,615,073	7,555,602
Accrued interest receivable	43,536	44,743
Deposits	8,677,026	9,256,141
Accrued interest payable	7,612	2,098
Borrowed funds	323,998	63,999
Subordinated debt	107,469	107,910
Estimated Fair Value | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	302,272	371,705
Available for sale securities	0	0
Loans held for investment, net of allowance	0	0
Accrued interest receivable	176	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	1,414,952	1,807,586
Loans held for investment, net of allowance	0	0
Accrued interest receivable	6,947	10,585
Deposits	8,677,026	9,256,141
Accrued interest payable	7,612	2,098
Borrowed funds	323,998	63,999
Subordinated debt	107,469	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	7,615,073	7,555,602
Accrued interest receivable	36,413	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 ($)	9 Months Ended
	Sep. 30, 2023	Sep. 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	10,218,000		$ 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	Sep. 30, 2023	Dec. 31, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 1,414,952	$ 1,807,586
U.S. government and agency securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	393,408	414,280
Municipal securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	219,116	540,569
Agency mortgage-backed pass-through securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	328,194	328,801
Agency collateralized mortgage obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	365,878	394,130
Corporate bonds and other
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	108,356	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	1,425,180
Financial liabilities	10,218	9,263
Recurring Basis | Interest Rate Contract
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Liability	10,218	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	1,414,952
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	10,228
Financial liabilities	10,218	9,263
Recurring Basis | Level 3 | Interest Rate Contract
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative Liability	10,218	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	393,408	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	393,408	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	219,116	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	219,116	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	328,194	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	328,194	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	365,878	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	365,878	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	108,356	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	108,356	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	10,218	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	10,218	9,263
Recurring Basis | Credit Risk Participation Agreement
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	10	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	$ 10	$ 27

FAIR VALUE - Assets Measured at

FAIR VALUE - Assets Measured at Fair Value on a Nonrecurring Basis (Details) - Nonrecurring Basis - USD ($) $ in Thousands	Sep. 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 1 | Commercial real estate (including multi-family residential) | Consumer and other
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans:	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 2 | Commercial real estate (including multi-family residential) | Consumer and other
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans:	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	31,054	36,397
Level 3 | Commercial and industrial
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans:	13,830	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:	7,706	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:	6,654
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:	2,776	$ 2,883
Level 3 | Commercial real estate (including multi-family residential) | Consumer and other
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans:	$ 88

DEPOSITS - Narrative (Details)

DEPOSITS - Narrative (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Deposit Liabilities [Abstract]
Time deposits, at or above FDIC insurance limit	$ 560.2	$ 432.9
Brokered deposits	$ 579	$ 72.5

DEPOSITS - Time Deposits by Mat

DEPOSITS - Time Deposits by Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Deposit Liabilities [Abstract]
Within one year	$ 1,399,265
After one but within two years	85,040
Over three years	19,586
Total	$ 1,503,891	$ 869,712

DERIVATIVE INSTRUMENTS - Narrat

DERIVATIVE INSTRUMENTS - Narrative (Details)	9 Months Ended	12 Months Ended
	Sep. 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	3 Months Ended	9 Months Ended
	Mar. 31, 2023	Sep. 30, 2023	Dec. 31, 2022
Interest Rate Swap With Financial Institutions One | Other assets
Derivative Instruments Gain Loss [Line Items]
Notional Amount		$ 110,946	$ 109,242
Fair Value, Asset		$ 9,758	$ 8,856
Weighted Average Maturity (Years)	5 years 5 months 26 days	4 years 8 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
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%
Interest Rate Swap With Financial Institutions One | Other assets | Maximum | SOFR
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		$ 4,940	$ 5,029
Fair Value, Asset		$ 460	$ 407
Fixed Rate		4.99%	4.99%
Weighted Average Maturity (Years)	4 years 11 months 15 days	4 years 2 months 15 days
Interest Rate Swaps With Customers | Other liabilities
Derivative Instruments Gain Loss [Line Items]
Notional Amount		$ 4,940	$ 5,029
Fair Value, Liability		$ (460)	$ (407)
Fixed Rate		4.99%	4.99%
Weighted Average Maturity (Years)	4 years 11 months 15 days	4 years 2 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		$ 110,946	$ 109,242
Fair Value, Liability		$ (9,758)	$ (8,856)
Weighted Average Maturity (Years)	5 years 5 months 26 days	4 years 8 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
Derivative Instruments Gain Loss [Line Items]
Floating Rate		2.50%	2.50%
Interest Rate Swaps With Customers Two | Other liabilities | Maximum | SOFR
Derivative Instruments Gain Loss [Line Items]
Floating Rate		3%
Credit Risk Participation Agreement | Other assets
Derivative Instruments Gain Loss [Line Items]
Notional Amount		$ 20,958	$ 13,028
Fair Value, Asset		$ 10	$ 2
Fixed Rate			3.50%
Weighted Average Maturity (Years)	7 years 2 months 26 days	7 years 6 months 29 days
Credit Risk Participation Agreement | Other assets | SOFR
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
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) - USD ($)	Dec. 13, 2022	Sep. 30, 2023
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		3,820,000,000
Remaining borrowing capacity		2,280,000,000
Outstanding amount		1,540,000,000
Letters of credit, outstanding amount		$ 1,220,000,000
Federal Home Loan Bank of Dallas | Federal Home Loan Bank Advances
Debt Instrument [Line Items]
Weighted average interest rate		5.62%
Federal Home Loan Bank of Dallas | Expire in 2023
Debt Instrument [Line Items]
Letters of credit, outstanding amount		$ 50,800,000
Federal Home Loan Bank of Dallas | Expire in 2024
Debt Instrument [Line Items]
Letters of credit, outstanding amount		72,800,000
Federal Home Loan Bank of Dallas | Expire In 2025
Debt Instrument [Line Items]
Letters of credit, outstanding amount		494,500,000
Federal Home Loan Bank of Dallas | Expire In 2026
Debt Instrument [Line Items]
Letters of credit, outstanding amount		57,300,000
Federal Home Loan Bank of Dallas | Expire In 2027
Debt Instrument [Line Items]
Letters of credit, outstanding amount		448,000,000
Federal Home Loan Bank of Dallas | Expires In 2028
Debt Instrument [Line Items]
Letters of credit, outstanding amount		40,000,000
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 | Expire In 2030
Debt Instrument [Line Items]
Letters of credit, outstanding amount		30,000,000
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%
Federal Home Loan Bank of Dallas | Short-term Debt
Debt Instrument [Line Items]
Federal Home Loan Bank, advances		$ 324,000,000

SUBORDINATED DEBT - Narrative (

SUBORDINATED DEBT - Narrative (Details) - USD ($) $ in Millions	1 Months Ended		9 Months Ended
	Sep. 30, 2019	Dec. 31, 2017	Sep. 30, 2023
Subordinated Notes | Fixed-to-Floating Rate Subordinated Notes
Subordinated Borrowing [Line Items]
Debt instrument, face amount	$ 60	$ 40
Redemption price	100%	100%
Stated percentage	4.70%
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	9 Months Ended
	Sep. 30, 2023 USD ($)
Subordinated Borrowing [Line Items]
Junior Subordinated Debenture Owed to Trust	$ 11,341
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 | SOFR
Subordinated Borrowing [Line Items]
Interest Rate	3.26%
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 | SOFR
Subordinated Borrowing [Line Items]
Interest Rate	2.06%

INCOME TAXES (Details)

INCOME TAXES (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Income Tax Disclosure [Abstract]
Income tax expense	$ 7,445,000	$ 3,406,000	$ 24,825,000	$ 11,310,000
Effective income tax rate reconciliation	19.40%	19.30%	19.40%	18.60%
Unrecognized tax benefits, income tax penalties and interest expense			$ 0

STOCK BASED COMPENSATION - Narr

STOCK BASED COMPENSATION - Narrative (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023 USD ($) shares	Sep. 30, 2022 USD ($)	Sep. 30, 2023 USD ($) compensationPlan shares	Sep. 30, 2022 USD ($)	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)	1,017,319		1,017,319
Share-based compensation expense | $	$ 2,800	$ 969	$ 8,200	$ 2,900
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 | $	13,100		$ 13,100
Weighted average period over which unrecognized compensation			1 year 8 months 12 days
Share awards granted (in shares)			262,000
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
Service period			1 year
Share awards granted (in shares)			119,845
Unrecognized compensation expense | $	$ 2,000		$ 2,000

STOCK BASED COMPENSATION - Stoc

STOCK BASED COMPENSATION - Stock Option Plans Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 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)	(49,000)
Options forfeited (in shares)	(36,000)
Options outstanding, ending balance (in shares)	283,000	368,000
Number of options vested and exercisable (in shares)	283,000
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)	14.19
Options forfeited (in dollars per share)	20.67
Options outstanding, ending balance (in dollars per share)	18.18	$ 17.89
Weighted Average Exercise Price, Options vested and exercisable (in dollars per share)	$ 18.18
Weighted Average Remaining Contractual Term, Options outstanding	2 years 2 months 1 day	2 years 8 months 19 days
Weighted Average Remaining Contractual Term, Options vested and exercisable	2 years 2 months 1 day
Aggregate Intrinsic Value, Options outstanding	$ 1,036	$ 4,256
Aggregate Intrinsic Value, Options vested and exercisable	$ 1,036

STOCK BASED COMPENSATION - Summ

STOCK BASED COMPENSATION - Summary of Restricted Stock Activity (Details) - Restricted Stock shares in Thousands	9 Months Ended
	Sep. 30, 2023 $ / shares shares
Number of Shares
Nonvested share awards outstanding, beginning balance (in shares) | shares	501
Share awards granted (in shares) | shares	262
Share awards vested (in shares) | shares	(14)
Unvested share awards forfeited or cancelled (in shares) | shares	(64)
Nonvested share awards outstanding, ending balance (in shares) | shares	685
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	25.67
Share awards vested (in dollars per share) | $ / shares	25.99
Unvested share awards forfeited or cancelled (in dollars per share) | $ / shares	31.03
Nonvested share awards outstanding, ending balance (in dollars per share) | $ / shares	$ 30.41

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	Sep. 30, 2023	Dec. 31, 2022
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Fixed Rate	$ 447,005	$ 683,408
Variable Rate	1,477,897	1,711,817
Commitments to Extend Credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Fixed Rate	432,498	673,098
Variable Rate	1,454,648	1,686,627
Standby letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Fixed Rate	14,507	10,310
Variable Rate	23,249	25,190
Short-term Debt | Federal Home Loan Bank of Dallas
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
FHLB pledged collateral	$ 1,220,000	$ 1,080,000

OFF-BALANCE SHEET ARRANGEMENT_4

OFF-BALANCE SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES - Narrative (Details)	9 Months Ended
	Sep. 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 5 months 15 days
Minimum
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance-sheet fixed rate loan commitments, interest rate	1.70%
Maximum
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance-sheet fixed rate loan commitments, interest rate	13.50%
Weighted Average
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance-sheet fixed rate loan commitments, interest rate	6.28%

REGULATORY CAPITAL MATTERS - Na

REGULATORY CAPITAL MATTERS - Narrative (Details)	Sep. 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	Sep. 30, 2023 USD ($)	Dec. 31, 2022 USD ($)
Total Capital
Capital	$ 1,201,404	$ 1,092,618
Capital to Risk Weighted Assets	0.1342	0.1239
Capital Required for Capital Adequacy	$ 716,402	$ 705,765
Capital Required for Capital Adequacy to Risk Weighted Assets	0.0800	0.0800
Plus Capital Conservation Buffer	$ 940,278	$ 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	$ 997,556	$ 885,652
Common Equity Tier 1 Risk Based Capital to Risk Weighted Assets	0.1114	0.1004
Common Equity Tier 1 Risk Based Capital Required for Capital Adequacy	$ 402,976	$ 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	$ 626,852	$ 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	$ 1,007,454	$ 895,520
Tier 1 Risk Based Capital to Risk Weighted Assets	0.1125	0.1015
Tier 1 Risk Based Capital Required for Capital Adequacy	$ 537,302	$ 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	$ 761,177	$ 749,876
Plus Tier 1 Risk Based Capital to Risk Weighted Assets	0.0850	0.0850
Tier 1 Capital
Tier 1 Leverage Capital	$ 1,007,454	$ 895,520
Tier 1 Leverage Capital to Average Assets	0.0982	0.0855
Tier 1 Leverage Capital Required for Capital Adequacy	$ 410,344	$ 418,720
Tier 1 Leverage Capital Required for Capital Adequacy to Average Assets	0.0400	0.0400
Plus Tier 1 Leverage Capital	$ 410,344	$ 418,720
Plus Tier 1 Leverage Capital to Average Assets	0.0400	0.0400
Allegiance Bank
Total Capital
Capital	$ 1,174,693	$ 1,059,313
Capital to Risk Weighted Assets	0.1313	0.1202
Capital Required for Capital Adequacy	$ 715,650	$ 705,120
Capital Required for Capital Adequacy to Risk Weighted Assets	0.0800	0.0800
Plus Capital Conservation Buffer	$ 939,290	$ 925,470
Plus Capital Conservation Buffer to Risk Weighted Assets	0.1050	0.1050
Capital Required to be Well Capitalized	$ 894,562	$ 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	$ 1,040,743	$ 921,714
Common Equity Tier 1 Risk Based Capital to Risk Weighted Assets	0.1163	0.1046
Common Equity Tier 1 Risk Based Capital Required for Capital Adequacy	$ 402,553	$ 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	$ 626,193	$ 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	$ 581,465	$ 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	$ 1,040,743	$ 921,714
Tier 1 Risk Based Capital to Risk Weighted Assets	0.1163	0.1046
Tier 1 Risk Based Capital Required for Capital Adequacy	$ 536,737	$ 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	$ 760,378	$ 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	$ 715,650	$ 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	$ 1,040,743	$ 921,714
Tier 1 Leverage Capital to Average Assets	0.1015	0.0881
Tier 1 Leverage Capital Required for Capital Adequacy	$ 409,957	$ 418,388
Tier 1 Leverage Capital Required for Capital Adequacy to Average Assets	0.0400	0.0400
Plus Tier 1 Leverage Capital	$ 409,957	$ 418,388
Plus Tier 1 Leverage Capital to Average Assets	0.0400	0.0400
Tier 1 Leverage Capital Required to be Well Capitalized	$ 512,446	$ 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		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Earnings Per Share [Abstract]
Net income attributable to shareholders	$ 30,908	$ 14,286	$ 103,231	$ 49,380
Basic:
Weighted average shares outstanding (in shares)	53,313	28,286	53,211	28,679
Weighted average shares outstanding (in dollars per share)	$ 0.58	$ 0.51	$ 1.94	$ 1.72
Add incremental shares for:
Dilutive effect of stock option exercises and performance share units (in shares)	67	244	89	222
Total (in shares)	53,380	28,530	53,300	28,901
Total (in dollars per share)	$ 0.58	$ 0.50	$ 1.94	$ 1.71

EARNINGS PER COMMON SHARE - Nar

EARNINGS PER COMMON SHARE - Narrative (Details) - shares	9 Months Ended
	Sep. 30, 2023	Sep. 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)	28,372	0