Stellar Bancorp (STEL) 10-Q 25 Oct 24 2024 Q3 Quarterly report Financial data

Cover Page

Cover Page - shares	9 Months Ended
	Sep. 30, 2024	Oct. 23, 2024
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2024
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	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		53,402,953
Entity Central Index Key	0001473844
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q3
Amendment Flag	false

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 103,735	$ 121,004
Interest-bearing deposits at other financial institutions	412,482	278,233
Total cash and cash equivalents	516,217	399,237
Available for sale securities, at fair value	1,691,752	1,395,680
Loans held for investment	7,551,124	7,925,133
Less: allowance for credit losses on loans	(84,501)	(91,684)
Loans, net	7,466,623	7,833,449
Accrued interest receivable	39,473	44,244
Premises and equipment, net	113,742	118,683
Federal Home Loan Bank stock	20,123	25,051
Bank-owned life insurance	106,876	105,084
Goodwill	497,318	497,318
Core deposit intangibles, net	98,116	116,712
Other assets	79,537	111,681
TOTAL ASSETS	10,629,777	10,647,139
Deposits:
Noninterest-bearing	3,303,048	3,546,815
Interest-bearing
Demand	1,571,504	1,659,999
Money market and savings	2,280,651	2,136,777
Certificates and other time	1,587,398	1,529,876
Total interest-bearing deposits	5,439,553	5,326,652
Total deposits	8,742,601	8,873,467
Accrued interest payable	16,915	11,288
Borrowed funds	60,000	50,000
Subordinated debt	110,064	109,765
Other liabilities	74,074	81,601
Total liabilities	9,003,654	9,126,121
COMMITMENTS AND CONTINGENCIES (See Note 13)
SHAREHOLDERS’ EQUITY:
Preferred stock, $0.01 par value; 10,000,000 shares authorized; no shares issued or outstanding at September 30, 2024 and December 31, 2023	0	0
Common stock, $0.01 par value; 140,000,000 shares authorized; 53,445,999 shares issued and outstanding at September 30, 2024 and 53,291,079 shares issued and outstanding at December 31, 2023	535	533
Capital surplus	1,238,619	1,232,627
Retained earnings	474,905	405,945
Accumulated other comprehensive loss	(87,936)	(118,087)
Total shareholders’ equity	1,626,123	1,521,018
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$ 10,629,777	$ 10,647,139

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parentheticals) - $ / shares	Sep. 30, 2024	Dec. 31, 2023
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 outstanding (in shares)	0	0
Preferred stock, shares issued (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)	53,445,999	53,291,079
Common stock, shares outstanding (in shares)	53,445,999	53,291,079

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
INTEREST INCOME:
Loans, including fees	$ 132,372	$ 138,948	$ 402,942	$ 398,608
Securities:
Taxable	13,898	9,493	35,114	28,872
Tax-exempt	814	437	2,448	2,135
Deposits in other financial institutions	4,692	2,391	11,874	9,027
Total interest income	151,776	151,269	452,378	438,642
INTEREST EXPENSE:
Demand, money market and savings deposits	29,440	23,557	85,369	62,302
Certificates and other time deposits	18,073	13,282	51,915	26,211
Borrowed funds	840	5,801	4,314	13,653
Subordinated debt	1,916	1,908	5,745	5,647
Total interest expense	50,269	44,548	147,343	107,813
NET INTEREST INCOME	101,507	106,721	305,035	330,829
(Reversal of) provision for credit losses	(5,985)	2,315	(3,822)	7,896
Net interest income after provision for credit losses	107,492	104,406	308,857	322,933
NONINTEREST INCOME:
Service charges on deposit accounts	1,594	1,620	4,840	4,544
Gain on sale of assets	432	0	881	192
Bank-owned life insurance income	614	551	1,792	1,605
Debit card and ATM income	551	935	1,621	4,454
Other	3,111	1,589	8,880	6,881
Total noninterest income	6,302	4,695	18,014	17,676
NONINTEREST EXPENSE:
Salaries and employee benefits	41,123	39,495	121,560	116,570
Net occupancy and equipment	4,570	4,455	13,463	12,360
Depreciation	1,911	1,952	5,823	5,629
Data processing and software amortization	5,706	4,798	16,101	14,526
Professional fees	1,714	997	5,996	4,088
Regulatory assessments and FDIC insurance	1,779	1,814	5,932	5,863
Amortization of intangibles	6,212	6,876	18,639	20,636
Communications	827	663	2,611	2,053
Advertising	878	877	2,534	2,623
Acquisition and merger-related expenses	0	3,421	0	12,483
Other	6,346	5,400	21,033	15,722
Total noninterest expense	71,066	70,748	213,692	212,553
INCOME BEFORE INCOME TAXES	42,728	38,353	113,179	128,056
Provision for income taxes	8,837	7,445	23,388	24,825
NET INCOME	$ 33,891	$ 30,908	$ 89,791	$ 103,231
EARNINGS PER SHARE:
Basic (in dollars per share)	$ 0.63	$ 0.58	$ 1.68	$ 1.94
Diluted (in dollars per share)	0.63	0.58	1.68	1.94
DIVIDENDS PER SHARE (in dollars per share)	$ 0.13	$ 0.13	$ 0.39	$ 0.39

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Statement of Comprehensive Income [Abstract]
Net income	$ 33,891	$ 30,908	$ 89,791	$ 103,231
Unrealized gain (loss) on securities:
Change in unrealized holding gain (loss) on available for sale securities during the period	42,103	(31,638)	38,191	(17,390)
Reclassification of gain realized on securities	0	0	0	(234)
Total other comprehensive income (loss)	42,103	(31,638)	38,191	(17,624)
Deferred tax (expense) benefit related to other comprehensive (income) loss	(8,873)	6,669	(8,040)	3,912
Other comprehensive income (loss), net of tax	33,230	(24,969)	30,151	(13,712)
Comprehensive income	$ 67,121	$ 5,939	$ 119,942	$ 89,519

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Common Stock	Capital Surplus	Retained Earnings	Accumulated Other Comprehensive (Loss) Income
Beginning balance (in shares) at Dec. 31, 2022		52,954,985
Beginning balance at Dec. 31, 2022	$ 1,383,176	$ 530	$ 1,222,761	$ 303,146	$ (143,261)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	103,231			103,231
Other comprehensive income (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
Repurchase of common stock			(2,841)
Stock-based compensation expense	8,235		8,235
Ending balance (in shares) at Sep. 30, 2023		53,321,541
Ending balance at Sep. 30, 2023	1,460,846	$ 533	1,231,686	385,600	(156,973)
Beginning balance (in shares) at Jun. 30, 2023		53,302,734
Beginning balance at Jun. 30, 2023	1,458,680	$ 533	1,228,532	361,619	(132,004)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	30,908			30,908
Other comprehensive income (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
Ending balance (in shares) at Sep. 30, 2023		53,321,541
Ending balance at Sep. 30, 2023	1,460,846	$ 533	1,231,686	385,600	(156,973)
Beginning balance (in shares) at Dec. 31, 2023		53,291,079
Beginning balance at Dec. 31, 2023	1,521,018	$ 533	1,232,627	405,945	(118,087)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	89,791			89,791
Other comprehensive income (loss)	30,151				30,151
Cash dividends declared	(20,831)			(20,831)
Common stock issued in connection with the exercise of stock options and restricted stock awards (in shares)		263,820
Common stock issued in connection with the exercise of stock options and restricted stock awards	207	$ 3	204
Repurchase of common stock (in shares)		(108,900)
Repurchase of common stock	(2,842)	$ (1)
Stock-based compensation expense	8,629		8,629
Ending balance (in shares) at Sep. 30, 2024		53,445,999
Ending balance at Sep. 30, 2024	1,626,123	$ 535	1,238,619	474,905	(87,936)
Beginning balance (in shares) at Jun. 30, 2024		53,564,116
Beginning balance at Jun. 30, 2024	1,565,795	$ 536	1,238,477	447,948	(121,166)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	33,891			33,891
Other comprehensive income (loss)	33,230				33,230
Cash dividends declared	(6,934)			(6,934)
Common stock issued in connection with the exercise of stock options and restricted stock awards (in shares)		(9,217)
Common stock issued in connection with the exercise of stock options and restricted stock awards	(16)		(16)
Repurchase of common stock (in shares)		(108,900)
Repurchase of common stock	(2,842)	$ (1)	(2,841)
Stock-based compensation expense	2,999		2,999
Ending balance (in shares) at Sep. 30, 2024		53,445,999
Ending balance at Sep. 30, 2024	$ 1,626,123	$ 535	$ 1,238,619	$ 474,905	$ (87,936)

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parentheticals) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Statement of Stockholders' Equity [Abstract]
Per share amount of cash dividends declared (in dollars per share)	$ 0.13	$ 0.13	$ 0.39	$ 0.39

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 89,791	$ 103,231
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and intangibles amortization	24,462	26,265
Net accretion on loans	(25,444)	(35,065)
Net amortization of premium on securities	5,669	5,098
(Reversal of) provision for credit losses	(3,822)	7,896
Deferred income tax expense	2,146	11,617
Stock-based compensation expense	8,629	8,235
Net change in operating leases	3,597	3,055
Bank-owned life insurance income	(1,792)	(1,605)
Federal Home Loan Bank stock dividends	(735)	(799)
Gain on sale of assets	(881)	(192)
Excess tax benefit from stock based compensation	(503)	(70)
Decrease (increase) in accrued interest receivable and other assets	29,152	(165)
(Decrease) increase in accrued interest payable and other liabilities	(1,528)	9,386
Net cash provided by operating activities	128,741	136,887
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of available for sale securities	(2,780,276)	(633,287)
Proceeds from maturities and principal paydowns of available for sale securities	2,509,814	685,707
Proceeds from sales and calls of available for sale securities	6,912	320,691
Net change in total loans	389,603	(223,256)
Purchase of bank premises and equipment	(3,390)	(5,621)
Proceeds from sale of bank premises, equipment and other real estate	4,245	3,685
Net redemptions (purchases) of Federal Home Loan Bank stock	5,663	(13,165)
Net cash provided by investing activities	132,571	134,754
CASH FLOWS FROM FINANCING ACTIVITIES:
Net decrease in noninterest-bearing deposits	(243,767)	(573,881)
Net increase (decrease) in interest-bearing deposits	112,901	(7,109)
Net change in borrowed funds	10,000	260,000
Dividends paid to common shareholders	(20,831)	(20,777)
Proceeds from the issuance of restricted stock and stock option exercises	207	693
Repurchase of common stock	(2,842)	0
Net cash used in financing activities	(144,332)	(341,074)
NET CHANGE IN CASH AND CASH EQUIVALENTS	116,980	(69,433)
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	399,237	371,705
CASH AND CASH EQUIVALENTS, END OF PERIOD	516,217	302,272
SUPPLEMENTAL CASH FLOW INFORMATION:
Income taxes paid	5,700	7,500
Interest paid	141,716	102,299
Cash paid for operating lease liabilities	3,649	3,372
SUPPLEMENTAL NONCASH DISCLOSURE:
Loans transferred to other real estate	5,204	0
Lease right-of-use asset obtained in exchange for lessee operating lease liabilities	1,212	0
Branch assets transferred to assets held for sale	$ 0	$ 3,819

NATURE OF OPERATIONS AND SUMMAR

NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES	9 Months Ended
	Sep. 30, 2024
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. 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 54 banking centers with 37 banking centers in the Houston metropolitan statistical area (“MSA”), 16 banking centers in the Beaumont MSA and one banking center in Dallas, Texas. 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, 2023. Operating results for the three and nine months ended September 30, 2024 are not necessarily indicative of the results that may be expected for the year ending December 31, 2024. Reclassifications —Certain items in the prior year financial statements were reclassified to conform to the current presentation. Reclassifications had no effect on prior year net income or shareholders’ equity. 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, 2023. Recent Accounting Standards Accounting Standards Update (“ASU”) 2023-09, “Income Taxes (Topic 740): Improvements to Income Tax Disclosures”

GOODWILL AND OTHER INTANGIBLE A

GOODWILL AND OTHER INTANGIBLE ASSETS	9 Months Ended
	Sep. 30, 2024
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, 2022 $ 497,260 $ 143,525 $ 309 Amortization — (26,813) (70) Goodwill true-up 58 — — Decrease due to payoff of serviced loans — — (27) Balance as of December 31, 2023 497,318 116,712 212 Amortization — (18,596) (43) Decrease due to payoff of serviced loans — — (13) Balance as of September 30, 2024 $ 497,318 $ 98,116 $ 156 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. 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. The estimated aggregate future amortization expense for core deposit intangible assets remaining as of September 30, 2024 is as follows (in thousands): Remaining 2024 $ 5,570 2025 21,528 2026 18,896 2027 16,272 Thereafter 35,850 Total $ 98,116

SECURITIES

SECURITIES	9 Months Ended
	Sep. 30, 2024
Investments, Debt and Equity Securities [Abstract]
SECURITIES	SECURITIES The amortized cost and fair value of securities available for sale were as follows: September 30, 2024 Amortized Gross Gross Fair (In thousands) Available for Sale U.S. government and agency securities $ 281,805 $ 644 $ (4,930) $ 277,519 Municipal securities 220,030 876 (21,913) 198,993 Agency mortgage-backed pass-through securities 489,161 2,658 (28,372) 463,447 Agency collateralized mortgage obligations 694,730 1,923 (51,613) 645,040 Corporate bonds and other 117,285 171 (10,703) 106,753 Total $ 1,803,011 $ 6,272 $ (117,531) $ 1,691,752 December 31, 2023 Amortized Gross Gross Fair (In thousands) Available for Sale U.S. government and agency securities $ 307,529 $ 90 $ (10,201) $ 297,418 Municipal securities 229,615 1,615 (27,171) 204,059 Agency mortgage-backed pass-through securities 424,664 370 (37,161) 387,873 Agency collateralized mortgage obligations 462,498 172 (64,553) 398,117 Corporate bonds and other 120,824 56 (12,667) 108,213 Total $ 1,545,130 $ 2,303 $ (151,753) $ 1,395,680 As of September 30, 2024, 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, 2024, 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 $ 79,099 $ 78,732 Due after one year through five years 82,370 79,933 Due after five years through ten years 139,557 126,801 Due after ten years 318,094 297,799 Subtotal 619,120 583,265 Agency mortgage-backed pass-through securities and collateralized mortgage obligations 1,183,891 1,108,487 Total $ 1,803,011 $ 1,691,752 Securities with unrealized losses segregated by length of time in a continuous loss position were as follows: September 30, 2024 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 $ 21,793 $ (252) $ 200,318 $ (4,678) $ 222,111 $ (4,930) Municipal securities 3,894 (61) 173,528 (21,852) 177,422 (21,913) Agency mortgage-backed pass-through securities 9,080 (46) 282,153 (28,326) 291,233 (28,372) Agency collateralized mortgage obligations 97,888 (737) 327,654 (50,876) 425,542 (51,613) Corporate bonds and other 10,454 (2,057) 78,027 (8,646) 88,481 (10,703) Total $ 143,109 $ (3,153) $ 1,061,680 $ (114,378) $ 1,204,789 $ (117,531) December 31, 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 $ 110,038 $ (2,208) $ 154,145 $ (7,993) $ 264,183 $ (10,201) Municipal securities 1,303 (14) 177,957 (27,157) 179,260 (27,171) Agency mortgage-backed pass-through securities 80,208 (1,444) 257,779 (35,717) 337,987 (37,161) Agency collateralized mortgage obligations 23,051 (621) 348,854 (63,932) 371,905 (64,553) Corporate bonds and other 11,279 (1,452) 85,285 (11,215) 96,564 (12,667) Total $ 225,879 $ (5,739) $ 1,024,020 $ (146,014) $ 1,249,899 $ (151,753) During the nine months ended September 30, 2024, the Company had sales and calls of securities of $6.9 million. During the nine months ended September 30, 2023, the Company had sales and calls of securities of $320.7 million and recorded gross gains of $234 thousand. At September 30, 2024 and December 31, 2023, the Company did not own securities of any one issuer, other than the U.S. government and its agencies, in an amount greater than 10% of consolidated shareholders’ equity at such respective dates. The carrying value of pledged securities was $501.1 million at September 30, 2024 and $607.5 million at December 31, 2023. The majority of the securities in each case were pledged to collateralize public fund deposits.

LOANS AND ALLOWANCE FOR CREDIT

LOANS AND ALLOWANCE FOR CREDIT LOSSES	9 Months Ended
	Sep. 30, 2024
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 segregated by class of loan were as follows: September 30, 2024 December 31, 2023 (In thousands) Commercial and industrial $ 1,347,876 $ 1,409,002 Paycheck Protection Program (PPP) 2,877 5,100 Real estate: Commercial real estate (including multi-family residential) 3,976,296 4,071,807 Commercial real estate construction and land development 890,316 1,060,406 1-4 family residential (including home equity) 1,112,235 1,047,174 Residential construction 161,494 267,357 Consumer and other 60,030 64,287 Total loans 7,551,124 7,925,133 Allowance for credit losses on loans (84,501) (91,684) Loans, net $ 7,466,623 $ 7,833,449 Nonaccrual and Past Due Loans An aging analysis of past due loans, segregated by class of loans, is included below. September 30, 2024 Loans Past Due and Still Accruing Nonaccrual Current Total 30-89 90 or More Total Past (In thousands) Commercial and industrial $ 4,817 $ — $ 4,817 $ 9,712 $ 1,333,347 $ 1,347,876 Paycheck Protection Program (PPP) 14 — 14 6 2,857 2,877 Real estate: Commercial real estate (including multi-family residential) 14,917 — 14,917 10,695 3,950,684 3,976,296 Commercial real estate construction and land development 2,558 — 2,558 4,183 883,575 890,316 1-4 family residential (including home equity) 4,451 — 4,451 7,259 1,100,525 1,112,235 Residential construction 5,546 — 5,546 121 155,827 161,494 Consumer and other 99 — 99 164 59,767 60,030 Total loans $ 32,402 $ — $ 32,402 $ 32,140 $ 7,486,582 $ 7,551,124 December 31, 2023 Loans Past Due and Still Accruing Nonaccrual Current Total 30-89 90 or More Total Past (In thousands) Commercial and industrial $ 6,096 $ — $ 6,096 $ 5,048 $ 1,397,858 $ 1,409,002 Paycheck Protection Program (PPP) 375 — 375 — 4,725 5,100 Real estate: Commercial real estate (including multi-family residential) 9,600 — 9,600 16,699 4,045,508 4,071,807 Commercial real estate construction and land development 7,341 — 7,341 5,043 1,048,022 1,060,406 1-4 family residential (including home equity) 3,492 — 3,492 8,874 1,034,808 1,047,174 Residential construction 498 — 498 3,288 263,571 267,357 Consumer and other 64 — 64 239 63,984 64,287 Total loans $ 27,466 $ — $ 27,466 $ 39,191 $ 7,858,476 $ 7,925,133 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. 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 our market. 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, 2024 and December 31, 2023: September 30, 2024 December 31, 2023 Term Loans Amortized Cost Basis by Origination Year Revolving Revolving Loans Total Total 2024 2023 2022 2021 2020 Prior (In thousands) Commercial and industrial Pass $ 204,235 $ 237,416 $ 172,538 $ 129,491 $ 27,316 $ 22,057 $ 463,532 $ 52,523 $ 1,309,108 $ 1,377,118 Special Mention 1,316 1,297 2,546 618 132 780 2,721 1,923 11,333 8,340 Substandard 1,207 1,290 4,145 897 402 10,684 2,951 5,816 27,392 23,496 Doubtful — 43 — — — — — — 43 48 Total commercial and industrial loans $ 206,758 $ 240,046 $ 179,229 $ 131,006 $ 27,850 $ 33,521 $ 469,204 $ 60,262 $ 1,347,876 $ 1,409,002 Current period gross charge-offs $ — $ 1,207 $ 570 $ 305 $ 174 $ 46 $ 410 $ 2,218 $ 4,930 Paycheck Protection Program (PPP) Pass $ — $ — $ — $ 1,715 $ 1,162 $ — $ — $ — $ 2,877 $ 5,100 Special Mention — — — — — — — — — — Substandard — — — — — — — — — — Doubtful — — — — — — — — — — Total PPP loans $ — $ — $ — $ 1,715 $ 1,162 $ — $ — $ — $ 2,877 $ 5,100 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial real estate (including multi-family residential) Pass $ 326,262 $ 404,440 $ 1,337,966 $ 753,748 $ 364,426 $ 471,694 $ 108,888 $ 21,454 $ 3,788,878 $ 3,959,675 Special Mention 16,867 6,647 37,010 18,064 27,680 18,400 2,285 1,389 128,342 54,483 Substandard 803 10,517 7,807 23,057 4,852 10,134 1,906 — 59,076 57,649 Doubtful — — — — — — — — — — Total commercial real estate (including multi-family residential) loans $ 343,932 $ 421,604 $ 1,382,783 $ 794,869 $ 396,958 $ 500,228 $ 113,079 $ 22,843 $ 3,976,296 $ 4,071,807 Current period gross charge-offs $ — $ — $ — $ 541 $ 245 $ — $ — $ — $ 786 Commercial real estate construction and land development Pass $ 162,490 $ 198,998 $ 330,380 $ 75,628 $ 12,395 $ 8,595 $ 51,948 $ 11,187 $ 851,621 $ 1,032,789 Special Mention 2,115 5,372 7,026 5,495 — 1,642 6,963 — 28,613 9,737 Substandard 3,992 4,325 833 — — 79 310 543 10,082 17,880 Doubtful — — — — — — — — — — Total commercial real estate construction and land development $ 168,597 $ 208,695 $ 338,239 $ 81,123 $ 12,395 $ 10,316 $ 59,221 $ 11,730 $ 890,316 $ 1,060,406 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — September 30, 2024 December 31, 2023 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Revolving Loans 2024 2023 2022 2021 2020 Prior Total Total (In thousands) 1-4 family residential (including Pass $ 100,678 $ 164,149 $ 289,962 $ 202,768 $ 104,403 $ 113,166 $ 87,228 $ 11,404 $ 1,073,758 $ 1,011,743 Special Mention 1,262 1,671 1,835 3,272 1,764 1,390 — 443 11,637 5,384 Substandard 2,333 2,491 1,381 3,279 1,709 5,719 3,827 6,101 26,840 30,047 Doubtful — — — — — — — — — — Total 1-4 family residential (including home equity) $ 104,273 $ 168,311 $ 293,178 $ 209,319 $ 107,876 $ 120,275 $ 91,055 $ 17,948 $ 1,112,235 $ 1,047,174 Current period gross charge-offs $ — $ — $ — $ — $ 2 $ — $ — $ — $ 2 Residential construction Pass $ 73,865 $ 68,890 $ 12,338 $ — $ — $ — $ 177 $ — $ 155,270 $ 264,069 Special Mention — 321 — — — — — — 321 — Substandard 5,782 121 — — — — — — 5,903 3,288 Doubtful — — — — — — — — — — Total residential construction $ 79,647 $ 69,332 $ 12,338 $ — $ — $ — $ 177 $ — $ 161,494 $ 267,357 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Consumer and other Pass $ 27,596 $ 9,147 $ 3,820 $ 1,853 $ 693 $ 411 $ 14,561 $ 1,654 $ 59,735 $ 63,881 Special Mention — — 21 16 — — — — 37 67 Substandard 86 28 70 21 — — 2 51 258 339 Doubtful — — — — — — — — — — Total consumer and other $ 27,682 $ 9,175 $ 3,911 $ 1,890 $ 693 $ 411 $ 14,563 $ 1,705 $ 60,030 $ 64,287 Current period gross charge-offs $ — $ 10 $ — $ 4 $ — $ 30 $ — $ 93 $ 137 Total loans Pass $ 895,126 $ 1,083,040 $ 2,147,004 $ 1,165,203 $ 510,395 $ 615,923 $ 726,334 $ 98,222 $ 7,241,247 $ 7,714,375 Special Mention 21,560 15,308 48,438 27,465 29,576 22,212 11,969 3,755 180,283 78,011 Substandard 14,203 18,772 14,236 27,254 6,963 26,616 8,996 12,511 129,551 132,699 Doubtful — 43 — — — — — — 43 48 Total loans $ 930,889 $ 1,117,163 $ 2,209,678 $ 1,219,922 $ 546,934 $ 664,751 $ 747,299 $ 114,488 $ 7,551,124 $ 7,925,133 Current period gross charge-offs $ — $ 1,217 $ 570 $ 850 $ 421 $ 76 $ 410 $ 2,311 $ 5,855 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, 2024 and 2023: 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, 2024 $ 38,776 $ — $ 35,897 $ 12,511 $ 5,230 $ 1,963 $ 395 $ 94,772 (Reversal of) provision for credit losses on loans (5,101) — (245) (480) (177) (384) 49 (6,338) Charge-offs (4,120) — (259) — (2) — (32) (4,413) Recoveries 451 — 26 — — — 3 480 Net charge-offs (3,669) — (233) — (2) — (29) (3,933) Balance September 30, 2024 $ 30,006 $ — $ 35,419 $ 12,031 $ 5,051 $ 1,579 $ 415 $ 84,501 Nine Months Ended Balance December 31, 2023 $ 31,979 $ — $ 38,187 $ 13,627 $ 4,785 $ 2,623 $ 483 $ 91,684 (Reversal of) provision for credit losses on loans 1,791 — (2,008) (1,596) 262 (1,044) 58 (2,537) Charge-offs (4,930) — (786) — (2) — (137) (5,855) Recoveries 1,166 — 26 — 6 — 11 1,209 Net charge-offs (3,764) — (760) — 4 — (126) (4,646) Balance September 30, 2024 $ 30,006 $ — $ 35,419 $ 12,031 $ 5,051 $ 1,579 $ 415 $ 84,501 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 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, 2024 and December 31, 2023 was $10.0 million and $11.3 million, respectively. This reserve is maintained at a level management believes to be sufficient to absorb losses arising from unfunded loan commitments. The Company recorded a provision on unfunded commitments of $353 thousand during the three months ended September 30, 2024 compared to a provision on unfunded commitments of $818 thousand for the three months ended September 30, 2023 and a reversal of provision on unfunded commitments of $1.3 million for the nine months ended September 30, 2024 compared to a $1.0 million reversal of provision on unfunded commitments for the nine months ended September 30, 2023. Collateral Dependent Loans 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 and any 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, 2024 and December 31, 2023: September 30, 2024 Real Estate Business Assets Other Total (In thousands) Commercial and industrial $ — $ 6,483 $ — $ 6,483 Real estate: Commercial real estate (including multi-family residential) 9,038 — — 9,038 Commercial real estate construction and land development 4,183 — — 4,183 1-4 family residential (including home equity) 7,259 — — 7,259 Residential construction — — — — Consumer and other — — 86 86 Total $ 20,480 $ 6,483 $ 86 $ 27,049 December 31, 2023 Real Estate Business Assets Other Total (In thousands) Commercial and industrial $ — $ 70 $ — $ 70 Real estate: Commercial real estate (including multi-family residential) 5,548 — — 5,548 Commercial real estate construction and land development 437 — — 437 1-4 family residential (including home equity) 424 — — 424 Residential construction — — — — Consumer and other — — — — Total $ 6,409 $ 70 $ — $ 6,479 Nonaccrual Loans The following tables present additional information regarding nonaccrual loans. No interest income was recognized on nonaccrual loans as of September 30, 2024 and December 31, 2023. September 30, 2024 Nonaccrual Loans with No Related Allowance Nonaccrual Loans with Related Allowance Total Nonaccrual Loans (In thousands) Commercial and industrial $ 4,826 $ 4,886 $ 9,712 Paycheck Protection Program (PPP) 6 — 6 Real estate: Commercial real estate (including multi-family residential) 8,773 1,922 10,695 Commercial real estate construction and land development 79 4,104 4,183 1-4 family residential (including home equity) 5,509 1,750 7,259 Residential construction — 121 121 Consumer and other 86 78 164 Total loans $ 19,279 $ 12,861 32,140 December 31, 2023 Nonaccrual Loans with No Related Allowance Nonaccrual Loans with Related Allowance Total Nonaccrual Loans (In thousands) Commercial and industrial $ 1,616 $ 3,432 $ 5,048 Paycheck Protection Program (PPP) — — — Real estate: Commercial real estate (including multi-family residential) 11,844 4,855 16,699 Commercial real estate construction and land development 5,043 — 5,043 1-4 family residential (including home equity) 7,400 1,474 8,874 Residential construction 3,288 — 3,288 Consumer and other 54 185 239 Total loans $ 29,245 $ 9,946 $ 39,191 Loan Modifications 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. The percentage of loans modified comprised less than 1% of their respective classes of loan portfolios at September 30, 2024. 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, 2024 and 2023: Three Months Ended September 30, 2024 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 $ — $ 1,021 $ — $ — $ — $ 559 $ 1,580 Real estate: Commercial real estate (including multi-family residential) — — — — — — — Commercial real estate construction and land development — 755 1,428 — — — 2,183 1-4 family residential (including home equity) — — — — — 499 499 Residential construction — — — — Consumer and other — — — — — — — Total $ — $ 1,776 $ 1,428 $ — $ — $ 1,058 $ 4,262 Nine Months Ended September 30, 2024 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 $ — $ 1,171 $ 807 $ — $ — $ 1,423 $ 3,401 Real estate: Commercial real estate (including multi-family residential) — — 1,720 — — 1,482 3,202 Commercial real estate construction and land development — 2,781 1,428 — — 2,415 6,624 1-4 family residential (including home equity) — — 1,040 — — 499 1,539 Residential construction — 236 — — — 236 Consumer and other — — — — — — — Total $ — $ 4,188 $ 4,995 $ — $ — $ 5,819 $ 15,002 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 $ 99 $ — $ — $ 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 periods indicated: Three Months Ended September 30, 2024 Three Months Ended September 30, 2023 Weighted-Average Term Extension Weighted-Average Interest Rate Reduction Weighted-Average Term Extension Weighted-Average Interest Rate Reduction (months) (months) Commercial and industrial 6 0.0 % — 0.0 % Real estate: Commercial real estate (including multi-family residential) — 0.0 % 6 0.0 % Commercial real estate construction and land development 20 0.0 % — 0.0 % 1-4 family residential (including home equity) — 0.0 % 24 1.5 % Residential construction — 0.0 % — 0.0 % Consumer and other — 0.0 % — 0.0 % Nine Months Ended September 30, 2024 Nine Months Ended September 30, 2023 Weighted-Average Term Extension Weighted-Average Interest Rate Reduction Weighted-Average Term Extension Weighted-Average Interest Rate Reduction (months) (months) Commercial and industrial 6 0.0 % 12 2.0 % Real estate: Commercial real estate (including multi-family residential) — 0.0 % 9 0.0 % Commercial real estate construction and land development 9 0.0 % 12 0.0 % 1-4 family residential (including home equity) — 0.0 % 16 1.5 % Residential construction 6 0.0 % — 0.0 % Consumer and other — 0.0 % 7 0.0 % The following table summarizes modified loans that had a payment default, determined as 90 or more days past due, within the past twelve months that were modified due to the borrowers experiencing financial difficulty during the periods indicated: Twelve Months Ended September 30, 2024 Twelve Months Ended September 30, 2023 Term Extension Payment Delay Interest Rate Reduction Term Extension Payment Delay Interest Rate Reduction (In thousands) Commercial and industrial $ — $ 807 $ — $ 670 $ — $ 89 Real estate: Commercial real estate (including multi-family residential) — — — — — — Commercial real estate construction and land development 1,668 — — — — — 1-4 family residential (including home equity) — 655 — 715 99 — Residential construction — — — — — — Consumer and other — — — — — — $ 1,668 $ 1,462 $ — $ 1,385 $ 99 $ 89

LEASES

LEASES	9 Months Ended
	Sep. 30, 2024
Leases [Abstract]
LEASES	LEASES At September 30, 2024, the Company had 30 operating leases consisting of branch locations, office facilities and equipment. The right-of-use asset is classified within premises and equipment and the lease liability is included in other liabilities on the balance sheet. The Company also owns certain office facilities which it leases to outside parties under operating lessor leases; however, such leases are not significant. There were no sale and leaseback transactions, leveraged leases or lease transactions with related parties during the nine months ended September 30, 2024 and 2023. Supplemental lease information at the dates indicated was as follows: September 30, 2024 December 31, 2023 (Dollars in thousands) Balance Sheet: Operating lease right-of-use asset classified as premises and equipment $ 18,361 $ 20,746 Operating lease liability classified as other liabilities $ 19,054 $ 20,659 Weighted average lease term, in years 7.35 7.67 Weighted average discount rate 4.26 % 4.17 % Lease costs for the dates indicated was as follows: Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 (In thousands) Income Statement: Operating lease cost $ 1,736 $ 1,885 $ 5,769 $ 5,280 Short-term lease cost 6 8 17 21 Total operating lease costs $ 1,742 $ 1,893 $ 5,786 $ 5,301 The following table summarizes the contractual maturity of the Company’s lease liabilities as of the dates indicated below: September 30, 2024 December 31, 2023 (In thousands) Lease payments due: Within one year $ 976 $ 4,428 After one but within two years 4,140 3,978 After two but within three years 3,739 3,430 After three but within four years 3,578 3,227 After four but within five years 3,414 3,047 After five years 6,845 6,605 Total lease payments 22,692 24,715 Less: discount on cash flows (3,638) (4,056) Total lease liability $ 19,054 $ 20,659

FAIR VALUE

FAIR VALUE	9 Months Ended
	Sep. 30, 2024
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 estimated 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 were as follows: September 30, 2024 Carrying Estimated Fair Value Level 1 Level 2 Level 3 Total (In thousands) Financial assets Cash and cash equivalents $ 516,217 $ 516,217 $ — $ — $ 516,217 Available for sale securities 1,691,752 — 1,691,752 — 1,691,752 Loans held for investment, net of allowance 7,466,623 — — 7,372,439 7,372,439 Accrued interest receivable 39,473 470 7,427 31,576 39,473 Financial liabilities Deposits $ 8,742,601 $ — $ 8,746,359 $ — $ 8,746,359 Accrued interest payable 16,915 — 16,915 — 16,915 Borrowed funds 60,000 — 60,000 — 60,000 Subordinated debt 110,064 — 107,956 — 107,956 December 31, 2023 Carrying Estimated Fair Value Level 1 Level 2 Level 3 Total (In thousands) Financial assets Cash and cash equivalents $ 399,237 $ 399,237 $ — $ — $ 399,237 Available for sale securities 1,395,680 — 1,395,680 — 1,395,680 Loans held for investment, net of allowance 7,833,449 — — 7,627,962 7,627,962 Accrued interest receivable 44,244 118 6,716 37,410 44,244 Financial liabilities Deposits $ 8,873,467 $ — $ 8,866,645 $ — $ 8,866,645 Accrued interest payable 11,288 — 11,288 — 11,288 Borrowed funds 50,000 — 50,000 — 50,000 Subordinated debt 109,765 — 109,390 — 109,390 The following tables present fair values for assets and liabilities measured at fair value on a recurring basis: September 30, 2024 Level 1 Level 2 Level 3 Total (In thousands) Financial assets Available for sale securities: U.S. government and agency securities $ — $ 277,519 $ — $ 277,519 Municipal securities — 198,993 — 198,993 Agency mortgage-backed pass-through securities — 463,447 — 463,447 Agency collateralized mortgage obligations — 645,040 — 645,040 Corporate bonds and other — 106,753 — 106,753 Interest rate swaps — 4,420 — 4,420 Credit risk participation agreements — — 18 18 Total fair value of financial assets $ — $ 1,696,172 $ 18 $ 1,696,190 Financial liabilities Interest rate swaps $ — $ 4,420 $ — $ 4,420 Total fair value of financial liabilities $ — $ 4,420 $ — $ 4,420 December 31, 2023 Level 1 Level 2 Level 3 Total (In thousands) Financial assets Available for sale securities: U.S. government and agency securities $ — $ 297,418 $ — $ 297,418 Municipal securities — 204,059 — 204,059 Agency mortgage-backed pass-through securities — 387,873 — 387,873 Agency collateralized mortgage obligations — 398,117 — 398,117 Corporate bonds and other — 108,213 — 108,213 Interest rate swaps — 6,692 — 6,692 Credit risk participation agreements — — 20 20 Total fair value of financial assets $ — $ 1,402,372 $ 20 $ 1,402,392 Financial liabilities Interest rate swaps $ — $ 6,692 $ — $ 6,692 Total fair value of financial liabilities $ — $ 6,692 $ — $ 6,692 There were no transfers between levels during the nine months ended September 30, 2024 or 2023. Certain assets, including purchase credit deteriorated and individually evaluated loans with allowances for credit losses and branch assets held for sale, are measured at fair value on a nonrecurring basis. These assets are not measured at fair value on an ongoing basis, but are subject to fair value adjustments in certain circumstances such as impairment. There were no liabilities measured at fair value on a nonrecurring basis at September 30, 2024 and December 31, 2023. Assets measured on a nonrecurring basis for the periods noted are summarized in the table below. September 30, 2024 Level 1 Level 2 Level 3 (In thousands) Loans: Commercial and industrial $ — $ — $ 11,882 Commercial real estate (including multi-family residential) — — 3,447 Commercial real estate construction and land development — — 3,333 1-4 family residential (including home equity) — — 3,985 Consumer and other — — 100 $ — $ — $ 22,747 December 31, 2023 Level 1 Level 2 Level 3 (In thousands) Loans: Commercial and industrial $ — $ — $ 10,084 Commercial real estate (including multi-family residential) — — 7,134 Commercial real estate construction and land development — — 6,654 1-4 family residential (including home equity) — — 3,892 Consumer and other — — 106 Branch assets held for sale (1) 2,033 — — $ 2,033 $ — $ 27,870 (1) Branch assets held for sale are banking centers that closed and were for sale.

DEPOSITS

DEPOSITS	9 Months Ended
	Sep. 30, 2024
Deposit Liabilities [Abstract]
DEPOSITS	DEPOSITS Time deposits that met or exceeded the Federal Deposit Insurance Corporation (“FDIC”) insurance limit of $250 thousand at September 30, 2024 and December 31, 2023 were $572.0 million and $548.4 million, respectively. Scheduled maturities of time deposits as of September 30, 2024 were as follows (in thousands): 2024 $ 569,675 2025 812,861 2026 91,606 2027 71,449 Thereafter 41,807 Total $ 1,587,398 The Company had $649.4 million and $615.9 million of brokered deposits as of September 30, 2024 and December 31, 2023, respectively. There were no concentrations of deposits with any one depositor at September 30, 2024 and December 31, 2023.

DERIVATIVE INSTRUMENTS

DERIVATIVE INSTRUMENTS	9 Months Ended
	Sep. 30, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVE INSTRUMENTS	DERIVATIVE INSTRUMENTS 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, 2024, management determined there was no such deterioration. At September 30, 2024 and December 31, 2023, the Company had nine and 15 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, 2024 and December 31, 2023 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 the periods indicated below were as follows (dollars in thousands): September 30, 2024 Classification Notional Amounts Fair Value Fixed Rate Floating Rate Weighted Average Maturity (Years) Interest rate swaps: Financial institutions Other assets $ 66,101 $ 4,218 3.50% - 5.40% SOFR 1M + 2.50% - 3.00% 5.9 Financial institutions Other assets 4,818 202 4.99% U.S. Prime 3.20 Customers Other liabilities 4,818 (202) 4.99% U.S. Prime 3.20 Customers Other liabilities 66,101 (4,218) 3.50% - 5.40% SOFR 1M + 2.50% - 3.00% 5.92 Credit risk participation agreements: Financial institutions Other assets 20,138 18 3.50% - 5.40% SOFR 1M + 2.50% 6.57 December 31, 2023 Classification Notional Amounts Fair Value Fixed Rate Floating Rate Weighted Average Maturity (Years) Interest rate swaps: Financial institutions Other assets $ 104,930 $ 6,367 3.25% - 5.58% SOFR 1M + 2.50% - 3.00% 4.51 Financial institutions Other assets 4,911 295 4.99% U.S. Prime 3.96 Customers Other assets 4,875 30 6.25% SOFR 1M + 2.50% 4.04 Financial institutions Other liabilities 4,875 (30) 6.25% SOFR 1M + 2.50% 4.04 Customers Other liabilities 4,911 (295) 4.99% U.S. Prime 3.96 Customers Other liabilities 104,930 (6,367) 3.25% - 5.58% SOFR 1M + 2.50% - 3.00% 4.51 Credit risk participation agreements: Financial institutions Other assets $ 20,758 $ 20 3.50% - 5.40% SOFR 1M + 2.50% 7.33

BORROWINGS AND BORROWING CAPACI

BORROWINGS AND BORROWING CAPACITY	9 Months Ended
	Sep. 30, 2024
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, 2024, the Company had a total borrowing capacity of $2.98 billion, of which $1.86 billion was available under this agreement and $1.12 billion was outstanding pursuant to FHLB advances and letters of credit. There were $60.0 million of FHLB short-term advances outstanding at September 30, 2024 at a weighted-average rate of 5.15%. At September 30, 2024, FHLB letters of credit pledged as collateral for public and other deposits of state and local government agencies totaled $1.06 billion, which expire in the following periods (in thousands): 2024 $ 27,850 2025 426,065 2026 57,300 2027 402,500 Thereafter 145,000 Total $ 1,058,715 On December 13, 2022, Stellar entered into a loan agreement with another financial institution (the “Loan Agreement”) that provides for a $75.0 million revolving line of credit. At September 30, 2024, there were no outstanding borrowings on this line of credit and no draws were taken on this line of credit during the nine months ended September 30, 2024. Draws can be made on the line of credit for a period of 24 months, which will end Decemb er 13, 2 024. 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 obligations of Stellar under the Loan Agreement are secured by a pledge of all the issued and outstanding shares of capital stock of the Bank. Covenants made under the Loan Agreement include, among other things, while there are 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 Stellar and its subsidiaries to incur certain additional debt. As of September 30, 2024, 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, 2024
Subordinated Borrowings [Abstract]
SUBORDINATED DEBT	SUBORDINATED DEBT Junior Subordinated Debentures In connection with the acquisitio n of F&M Bancshares, Inc. in 2015, Stellar assumed Farmers & Merchants Capital Trust II and Farmers & Merchants Capital Trust III. Each of the trusts is a capital or statutory business trust organized for the sole purpose of issuing trust securities and investing the proceeds in Stellar'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 Stellar.. Each trust’s ability to pay amounts due on the trust preferred securities is solely dependent upon Stellar 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. Stellar has fully and unconditionally guaranteed each trust’s obligations under the trust securities issued by each trust to the extent not paid or made by such trust, provided such trust has funds available for such obligations. The trust preferred securities bear a floating rate of interest equal to 3-Month SOFR plus a spread adjustment. 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, Stellar 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 Stellar’s junior subordinated debentures outstanding at September 30, 2024 is set forth in the table below: Description Issuance Date Trust Preferred Securities Outstanding Junior Subordinated Debt Owed to Trusts Maturity Date (1) (Dollars in thousands) Farmers & Merchants Capital Trust II November 13, 2003 $ 7,500 $ 7,732 November 8, 2033 Farmers & Merchants Capital Trust III June 30, 2005 3,500 3,609 July 7, 2035 $ 11,341 (1) All junior subordinated debentures were callable at September 30, 2024. Subordinated Notes In December 2017, the Bank issued $40.0 million aggregate principal amount of Fixed-to-Floating Rate Subordinated Notes (the “Bank Notes”) due December 15, 2027. The Bank Notes bear a floating rate of interest equal to 3-Month SOFR plus a spread adjustment 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, 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 are within five years of maturity, only 60% of the notes are eligible for Tier 2 capital treatment at September 30, 2024. In September 2019, Stellar issued $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 3-Month SOFR, plus 3.13%, 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, 2024
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES The amount of the Company’s 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, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Income tax expense $ 8,837 $ 7,445 $ 23,388 $ 24,825 Effective income tax rate 20.7 % 19.4 % 20.7 % 19.4 %

STOCK BASED COMPENSATION

STOCK BASED COMPENSATION	9 Months Ended
	Sep. 30, 2024
Share-Based Payment Arrangement [Abstract]
STOCK BASED COMPENSATION	STOCK BASED COMPENSATION Under the 2022 Omnibus Incentive Plan (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, 2024 were issued under the 2022 Plan. At September 30, 2024, there were 809,077 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 $3.0 million and $2.8 million for both of the three months ended September 30, 2024 and 2023 and $8.6 million and $8.2 million for the nine months ended September 30, 2024 and 2023, respectively. Stock Options Stock options outstanding at September 30, 2024 were issued under equity compensation plans that are no longer active. No additional shares may be issued under these compensation plans. Stock option activity during the nine months ended September 30, 2024 was as follows: Number of Weighted- Weighted- Aggregate (In thousands) (In years) (In thousands) Options outstanding, January 1, 2024 258 $ 18.56 2.09 $ 2,398 Options granted — — Options exercised (94) 15.80 Options forfeited (6) 19.89 Options outstanding, September 30, 2024 158 $ 20.17 2.00 $ 937 Options vested and exercisable, September 30, 2024 158 $ 20.17 2.00 $ 937 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 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. Nonvested shares of restricted stock activity during the nine months ended September 30, 2024 was as follows: Number of Weighted- (In thousands) Nonvested share awards outstanding, January 1, 2024 458 $ 29.38 Share awards granted 311 23.17 Share awards vested (87) 25.16 Unvested share awards forfeited or cancelled (60) 25.74 Nonvested share awards outstanding, September 30, 2024 622 $ 27.22 As of September 30, 2024, there was $9.2 million of unrecognized compensation expense related to restricted stock awards which is expected to be recognized over a weighted-average period of 1.86 years. Performance Share Awards ( “ PSAs ” ) PSAs are generally earned subject to certain performance goals being met after a specified performance period and will be settled in shares of Company common stock. There were 77,624 PSAs awarded during the nine months ended September 30, 2024, which were granted with a three-year performance period and will vest in March 2027. 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 accounting standards codification (“ASC”) 718. At September 30, 2024, there was $3.0 million of unrecognized compensation expense related to the PSAs, which is expected to be recognized over a weighted-average period of 1.89 years.

OFF-BALANCE SHEET ARRANGEMENTS,

OFF-BALANCE SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES	9 Months Ended
	Sep. 30, 2024
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, 2024 December 31, 2023 Fixed Variable Fixed Variable (In thousands) Commitments to extend credit $ 317,444 $ 1,385,830 $ 367,068 $ 1,425,946 Standby letters of credit 16,408 25,353 16,147 21,514 Total $ 333,852 $ 1,411,183 $ 383,215 $ 1,447,460 At September 30, 2024 and December 31, 2023, the Company had FHLB letters of credit in the amount of $1.06 billion and $1.82 billion, respectively, pledged as collateral for public and other deposits of state and local government agencies. For more information on FHLB borrowings, see Note 9 – 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 less. As of September 30, 2024, the fixed rate loan commitments had interest rates ranging from 2.08% to 13.50% with a weighted average maturity of 2.11 years and a weighted-average rate of 7.19%. 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, 2024
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 initiate actions by regulators that, if undertaken, could have a direct material effect on the Company’s consolidated financial statements. Management believes as of September 30, 2024 and December 31, 2023, 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 Bank’s capital ratios as of September 30, 2024 exceed the minimum levels necessary to be considered “well-capitalized” under the prompt corrective action regulatory framework. The following is a summary of the Company’s and the Bank’s actual and required capital ratios as of September 30, 2024 and December 31, 2023: 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, 2024 Total Capital (to risk-weighted assets) $ 1,306,505 15.91 % $ 656,980 8.00 % $ 862,286 10.50 % N/A N/A Common Equity Tier 1 Capital (to risk-weighted assets) 1,118,625 13.62 % 369,551 4.50 % 574,858 7.00 % N/A N/A Tier 1 Capital (to risk-weighted assets) 1,128,523 13.74 % 492,735 6.00 % 698,041 8.50 % N/A N/A Tier 1 Leverage (to average tangible assets) 1,128,523 11.25 % 401,233 4.00 % 401,233 4.00 % N/A N/A December 31, 2023 Total Capital (to risk-weighted assets) $ 1,221,060 14.02 % $ 696,529 8.00 % $ 914,195 10.50 % N/A N/A Common Equity Tier 1 Capital (to risk-weighted assets) 1,025,076 11.77 % 391,798 4.50 % 604,463 7.00 % N/A N/A Tier 1 Capital (to risk-weighted assets) 1,034,974 11.89 % 522,397 6.00 % 740,062 8.50 % N/A N/A Tier 1 Leverage (to average tangible assets) 1,034,974 10.18 % 406,859 4.00 % 406,859 4.00 % N/A N/A STELLAR BANK September 30, 2024 Total Capital (to risk-weighted assets) $ 1,235,560 15.07 % $ 655,963 8.00 % $ 860,351 10.50 % $ 819,954 10.00 % Common Equity Tier 1 Capital (to risk-weighted assets) 1,117,621 13.63 % 368,979 4.50 % 573,968 7.00 % 532,970 6.50 % Tier 1 Capital (to risk-weighted assets) 1,117,621 13.63 % 491,972 6.00 % 696,961 8.50 % 655,963 8.00 % Tier 1 Leverage (to average tangible assets) 1,117,621 11.16 % 400,711 4.00 % 400,711 4.00 % 500,889 5.00 % December 31, 2023 Total Capital (to risk-weighted assets) $ 1,186,710 13.65 % $ 695,746 8.00 % $ 913,167 10.50 % $ 869,683 10.00 % Common Equity Tier 1 Capital (to risk-weighted assets) 1,060,624 12.20 % 391,357 4.50 % 608,778 7.00 % 565,294 6.50 % Tier 1 Capital (to risk-weighted assets) 1,060,624 12.20 % 521,810 6.00 % 739,231 8.50 % 695,746 8.00 % Tier 1 Leverage (to average tangible assets) 1,060,624 10.44 % 406,453 4.00 % 406,453 4.00 % 508,066 5.00 % Dividend Restrictions The Company’s principal source of funds for dividend payments is dividends received from the Bank. Banking regulations limit the amount of dividends that may be paid without prior approval of regulatory agencies. In addition, the Company’s credit agreement with another financial institution also limits its ability to pay dividends. Under applicable banking regulations, the amount of dividends that may be paid by the Bank in any calendar year is limited to the current year’s net profits combined with the retained net profits of the preceding two years, subject to the capital requirements described above.

EARNINGS PER COMMON SHARE

EARNINGS PER COMMON SHARE	9 Months Ended
	Sep. 30, 2024
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, 2024 2023 2024 2023 Amount Per Share Amount Per Share Amount Per Share Amount Per Share (Amounts in thousands, except per share data) Net income attributable to shareholders $ 33,891 $ 30,908 $ 89,791 $ 103,231 Basic: Weighted average shares outstanding 53,541 $ 0.63 53,313 $ 0.58 53,485 $ 1.68 53,211 $ 1.94 Diluted: Add incremental shares for: Dilutive effect of stock option exercises and performance share units 39 67 46 89 Total 53,580 $ 0.63 53,380 $ 0.58 53,531 $ 1.68 53,300 $ 1.94

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Pay vs Performance Disclosure
Net income	$ 33,891	$ 30,908	$ 89,791	$ 103,231

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Sep. 30, 2024
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, 2024
Accounting Policies [Abstract]
Basis of Presentations	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, 2023. Operating results for the three and nine months ended September 30, 2024 are not necessarily indicative of the results that may be expected for the year ending December 31, 2024.
Reclassifications	Reclassifications —Certain items in the prior year financial statements were reclassified to conform to the current presentation. Reclassifications had no effect on prior year net income or shareholders’ equity.
Recent Accounting Standards	Recent Accounting Standards Accounting Standards Update (“ASU”) 2023-09, “Income Taxes (Topic 740): Improvements to Income Tax Disclosures”

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)	9 Months Ended
	Sep. 30, 2024
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, 2022 $ 497,260 $ 143,525 $ 309 Amortization — (26,813) (70) Goodwill true-up 58 — — Decrease due to payoff of serviced loans — — (27) Balance as of December 31, 2023 497,318 116,712 212 Amortization — (18,596) (43) Decrease due to payoff of serviced loans — — (13) Balance as of September 30, 2024 $ 497,318 $ 98,116 $ 156
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, 2024 is as follows (in thousands): Remaining 2024 $ 5,570 2025 21,528 2026 18,896 2027 16,272 Thereafter 35,850 Total $ 98,116

SECURITIES (Tables)

SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2024
Investments, Debt and Equity Securities [Abstract]
Schedule of Available-For-Sale Securities	The amortized cost and fair value of securities available for sale were as follows: September 30, 2024 Amortized Gross Gross Fair (In thousands) Available for Sale U.S. government and agency securities $ 281,805 $ 644 $ (4,930) $ 277,519 Municipal securities 220,030 876 (21,913) 198,993 Agency mortgage-backed pass-through securities 489,161 2,658 (28,372) 463,447 Agency collateralized mortgage obligations 694,730 1,923 (51,613) 645,040 Corporate bonds and other 117,285 171 (10,703) 106,753 Total $ 1,803,011 $ 6,272 $ (117,531) $ 1,691,752 December 31, 2023 Amortized Gross Gross Fair (In thousands) Available for Sale U.S. government and agency securities $ 307,529 $ 90 $ (10,201) $ 297,418 Municipal securities 229,615 1,615 (27,171) 204,059 Agency mortgage-backed pass-through securities 424,664 370 (37,161) 387,873 Agency collateralized mortgage obligations 462,498 172 (64,553) 398,117 Corporate bonds and other 120,824 56 (12,667) 108,213 Total $ 1,545,130 $ 2,303 $ (151,753) $ 1,395,680
Schedule of Investments Classified by Contractual Maturity Date	The amortized cost and fair value of investment securities at September 30, 2024, 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 $ 79,099 $ 78,732 Due after one year through five years 82,370 79,933 Due after five years through ten years 139,557 126,801 Due after ten years 318,094 297,799 Subtotal 619,120 583,265 Agency mortgage-backed pass-through securities and collateralized mortgage obligations 1,183,891 1,108,487 Total $ 1,803,011 $ 1,691,752
Schedule of Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	Securities with unrealized losses segregated by length of time in a continuous loss position were as follows: September 30, 2024 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 $ 21,793 $ (252) $ 200,318 $ (4,678) $ 222,111 $ (4,930) Municipal securities 3,894 (61) 173,528 (21,852) 177,422 (21,913) Agency mortgage-backed pass-through securities 9,080 (46) 282,153 (28,326) 291,233 (28,372) Agency collateralized mortgage obligations 97,888 (737) 327,654 (50,876) 425,542 (51,613) Corporate bonds and other 10,454 (2,057) 78,027 (8,646) 88,481 (10,703) Total $ 143,109 $ (3,153) $ 1,061,680 $ (114,378) $ 1,204,789 $ (117,531) December 31, 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 $ 110,038 $ (2,208) $ 154,145 $ (7,993) $ 264,183 $ (10,201) Municipal securities 1,303 (14) 177,957 (27,157) 179,260 (27,171) Agency mortgage-backed pass-through securities 80,208 (1,444) 257,779 (35,717) 337,987 (37,161) Agency collateralized mortgage obligations 23,051 (621) 348,854 (63,932) 371,905 (64,553) Corporate bonds and other 11,279 (1,452) 85,285 (11,215) 96,564 (12,667) Total $ 225,879 $ (5,739) $ 1,024,020 $ (146,014) $ 1,249,899 $ (151,753)

LOANS AND ALLOWANCE FOR CREDI_2

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)	9 Months Ended
	Sep. 30, 2024
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 segregated by class of loan were as follows: September 30, 2024 December 31, 2023 (In thousands) Commercial and industrial $ 1,347,876 $ 1,409,002 Paycheck Protection Program (PPP) 2,877 5,100 Real estate: Commercial real estate (including multi-family residential) 3,976,296 4,071,807 Commercial real estate construction and land development 890,316 1,060,406 1-4 family residential (including home equity) 1,112,235 1,047,174 Residential construction 161,494 267,357 Consumer and other 60,030 64,287 Total loans 7,551,124 7,925,133 Allowance for credit losses on loans (84,501) (91,684) Loans, net $ 7,466,623 $ 7,833,449
Schedule of Past Due Financing Receivables	An aging analysis of past due loans, segregated by class of loans, is included below. September 30, 2024 Loans Past Due and Still Accruing Nonaccrual Current Total 30-89 90 or More Total Past (In thousands) Commercial and industrial $ 4,817 $ — $ 4,817 $ 9,712 $ 1,333,347 $ 1,347,876 Paycheck Protection Program (PPP) 14 — 14 6 2,857 2,877 Real estate: Commercial real estate (including multi-family residential) 14,917 — 14,917 10,695 3,950,684 3,976,296 Commercial real estate construction and land development 2,558 — 2,558 4,183 883,575 890,316 1-4 family residential (including home equity) 4,451 — 4,451 7,259 1,100,525 1,112,235 Residential construction 5,546 — 5,546 121 155,827 161,494 Consumer and other 99 — 99 164 59,767 60,030 Total loans $ 32,402 $ — $ 32,402 $ 32,140 $ 7,486,582 $ 7,551,124 December 31, 2023 Loans Past Due and Still Accruing Nonaccrual Current Total 30-89 90 or More Total Past (In thousands) Commercial and industrial $ 6,096 $ — $ 6,096 $ 5,048 $ 1,397,858 $ 1,409,002 Paycheck Protection Program (PPP) 375 — 375 — 4,725 5,100 Real estate: Commercial real estate (including multi-family residential) 9,600 — 9,600 16,699 4,045,508 4,071,807 Commercial real estate construction and land development 7,341 — 7,341 5,043 1,048,022 1,060,406 1-4 family residential (including home equity) 3,492 — 3,492 8,874 1,034,808 1,047,174 Residential construction 498 — 498 3,288 263,571 267,357 Consumer and other 64 — 64 239 63,984 64,287 Total loans $ 27,466 $ — $ 27,466 $ 39,191 $ 7,858,476 $ 7,925,133
Schedule of 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, 2024 and December 31, 2023: September 30, 2024 December 31, 2023 Term Loans Amortized Cost Basis by Origination Year Revolving Revolving Loans Total Total 2024 2023 2022 2021 2020 Prior (In thousands) Commercial and industrial Pass $ 204,235 $ 237,416 $ 172,538 $ 129,491 $ 27,316 $ 22,057 $ 463,532 $ 52,523 $ 1,309,108 $ 1,377,118 Special Mention 1,316 1,297 2,546 618 132 780 2,721 1,923 11,333 8,340 Substandard 1,207 1,290 4,145 897 402 10,684 2,951 5,816 27,392 23,496 Doubtful — 43 — — — — — — 43 48 Total commercial and industrial loans $ 206,758 $ 240,046 $ 179,229 $ 131,006 $ 27,850 $ 33,521 $ 469,204 $ 60,262 $ 1,347,876 $ 1,409,002 Current period gross charge-offs $ — $ 1,207 $ 570 $ 305 $ 174 $ 46 $ 410 $ 2,218 $ 4,930 Paycheck Protection Program (PPP) Pass $ — $ — $ — $ 1,715 $ 1,162 $ — $ — $ — $ 2,877 $ 5,100 Special Mention — — — — — — — — — — Substandard — — — — — — — — — — Doubtful — — — — — — — — — — Total PPP loans $ — $ — $ — $ 1,715 $ 1,162 $ — $ — $ — $ 2,877 $ 5,100 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial real estate (including multi-family residential) Pass $ 326,262 $ 404,440 $ 1,337,966 $ 753,748 $ 364,426 $ 471,694 $ 108,888 $ 21,454 $ 3,788,878 $ 3,959,675 Special Mention 16,867 6,647 37,010 18,064 27,680 18,400 2,285 1,389 128,342 54,483 Substandard 803 10,517 7,807 23,057 4,852 10,134 1,906 — 59,076 57,649 Doubtful — — — — — — — — — — Total commercial real estate (including multi-family residential) loans $ 343,932 $ 421,604 $ 1,382,783 $ 794,869 $ 396,958 $ 500,228 $ 113,079 $ 22,843 $ 3,976,296 $ 4,071,807 Current period gross charge-offs $ — $ — $ — $ 541 $ 245 $ — $ — $ — $ 786 Commercial real estate construction and land development Pass $ 162,490 $ 198,998 $ 330,380 $ 75,628 $ 12,395 $ 8,595 $ 51,948 $ 11,187 $ 851,621 $ 1,032,789 Special Mention 2,115 5,372 7,026 5,495 — 1,642 6,963 — 28,613 9,737 Substandard 3,992 4,325 833 — — 79 310 543 10,082 17,880 Doubtful — — — — — — — — — — Total commercial real estate construction and land development $ 168,597 $ 208,695 $ 338,239 $ 81,123 $ 12,395 $ 10,316 $ 59,221 $ 11,730 $ 890,316 $ 1,060,406 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — September 30, 2024 December 31, 2023 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Revolving Loans 2024 2023 2022 2021 2020 Prior Total Total (In thousands) 1-4 family residential (including Pass $ 100,678 $ 164,149 $ 289,962 $ 202,768 $ 104,403 $ 113,166 $ 87,228 $ 11,404 $ 1,073,758 $ 1,011,743 Special Mention 1,262 1,671 1,835 3,272 1,764 1,390 — 443 11,637 5,384 Substandard 2,333 2,491 1,381 3,279 1,709 5,719 3,827 6,101 26,840 30,047 Doubtful — — — — — — — — — — Total 1-4 family residential (including home equity) $ 104,273 $ 168,311 $ 293,178 $ 209,319 $ 107,876 $ 120,275 $ 91,055 $ 17,948 $ 1,112,235 $ 1,047,174 Current period gross charge-offs $ — $ — $ — $ — $ 2 $ — $ — $ — $ 2 Residential construction Pass $ 73,865 $ 68,890 $ 12,338 $ — $ — $ — $ 177 $ — $ 155,270 $ 264,069 Special Mention — 321 — — — — — — 321 — Substandard 5,782 121 — — — — — — 5,903 3,288 Doubtful — — — — — — — — — — Total residential construction $ 79,647 $ 69,332 $ 12,338 $ — $ — $ — $ 177 $ — $ 161,494 $ 267,357 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Consumer and other Pass $ 27,596 $ 9,147 $ 3,820 $ 1,853 $ 693 $ 411 $ 14,561 $ 1,654 $ 59,735 $ 63,881 Special Mention — — 21 16 — — — — 37 67 Substandard 86 28 70 21 — — 2 51 258 339 Doubtful — — — — — — — — — — Total consumer and other $ 27,682 $ 9,175 $ 3,911 $ 1,890 $ 693 $ 411 $ 14,563 $ 1,705 $ 60,030 $ 64,287 Current period gross charge-offs $ — $ 10 $ — $ 4 $ — $ 30 $ — $ 93 $ 137 Total loans Pass $ 895,126 $ 1,083,040 $ 2,147,004 $ 1,165,203 $ 510,395 $ 615,923 $ 726,334 $ 98,222 $ 7,241,247 $ 7,714,375 Special Mention 21,560 15,308 48,438 27,465 29,576 22,212 11,969 3,755 180,283 78,011 Substandard 14,203 18,772 14,236 27,254 6,963 26,616 8,996 12,511 129,551 132,699 Doubtful — 43 — — — — — — 43 48 Total loans $ 930,889 $ 1,117,163 $ 2,209,678 $ 1,219,922 $ 546,934 $ 664,751 $ 747,299 $ 114,488 $ 7,551,124 $ 7,925,133 Current period gross charge-offs $ — $ 1,217 $ 570 $ 850 $ 421 $ 76 $ 410 $ 2,311 $ 5,855
Schedule of 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, 2024 and 2023: 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, 2024 $ 38,776 $ — $ 35,897 $ 12,511 $ 5,230 $ 1,963 $ 395 $ 94,772 (Reversal of) provision for credit losses on loans (5,101) — (245) (480) (177) (384) 49 (6,338) Charge-offs (4,120) — (259) — (2) — (32) (4,413) Recoveries 451 — 26 — — — 3 480 Net charge-offs (3,669) — (233) — (2) — (29) (3,933) Balance September 30, 2024 $ 30,006 $ — $ 35,419 $ 12,031 $ 5,051 $ 1,579 $ 415 $ 84,501 Nine Months Ended Balance December 31, 2023 $ 31,979 $ — $ 38,187 $ 13,627 $ 4,785 $ 2,623 $ 483 $ 91,684 (Reversal of) provision for credit losses on loans 1,791 — (2,008) (1,596) 262 (1,044) 58 (2,537) Charge-offs (4,930) — (786) — (2) — (137) (5,855) Recoveries 1,166 — 26 — 6 — 11 1,209 Net charge-offs (3,764) — (760) — 4 — (126) (4,646) Balance September 30, 2024 $ 30,006 $ — $ 35,419 $ 12,031 $ 5,051 $ 1,579 $ 415 $ 84,501 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
Schedule 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, 2024 and December 31, 2023: September 30, 2024 Real Estate Business Assets Other Total (In thousands) Commercial and industrial $ — $ 6,483 $ — $ 6,483 Real estate: Commercial real estate (including multi-family residential) 9,038 — — 9,038 Commercial real estate construction and land development 4,183 — — 4,183 1-4 family residential (including home equity) 7,259 — — 7,259 Residential construction — — — — Consumer and other — — 86 86 Total $ 20,480 $ 6,483 $ 86 $ 27,049 December 31, 2023 Real Estate Business Assets Other Total (In thousands) Commercial and industrial $ — $ 70 $ — $ 70 Real estate: Commercial real estate (including multi-family residential) 5,548 — — 5,548 Commercial real estate construction and land development 437 — — 437 1-4 family residential (including home equity) 424 — — 424 Residential construction — — — — Consumer and other — — — — Total $ 6,409 $ 70 $ — $ 6,479
Schedule of Nonaccrual Loans	The following tables present additional information regarding nonaccrual loans. No interest income was recognized on nonaccrual loans as of September 30, 2024 and December 31, 2023. September 30, 2024 Nonaccrual Loans with No Related Allowance Nonaccrual Loans with Related Allowance Total Nonaccrual Loans (In thousands) Commercial and industrial $ 4,826 $ 4,886 $ 9,712 Paycheck Protection Program (PPP) 6 — 6 Real estate: Commercial real estate (including multi-family residential) 8,773 1,922 10,695 Commercial real estate construction and land development 79 4,104 4,183 1-4 family residential (including home equity) 5,509 1,750 7,259 Residential construction — 121 121 Consumer and other 86 78 164 Total loans $ 19,279 $ 12,861 32,140 December 31, 2023 Nonaccrual Loans with No Related Allowance Nonaccrual Loans with Related Allowance Total Nonaccrual Loans (In thousands) Commercial and industrial $ 1,616 $ 3,432 $ 5,048 Paycheck Protection Program (PPP) — — — Real estate: Commercial real estate (including multi-family residential) 11,844 4,855 16,699 Commercial real estate construction and land development 5,043 — 5,043 1-4 family residential (including home equity) 7,400 1,474 8,874 Residential construction 3,288 — 3,288 Consumer and other 54 185 239 Total loans $ 29,245 $ 9,946 $ 39,191
Schedule of 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, 2024 and 2023: Three Months Ended September 30, 2024 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 $ — $ 1,021 $ — $ — $ — $ 559 $ 1,580 Real estate: Commercial real estate (including multi-family residential) — — — — — — — Commercial real estate construction and land development — 755 1,428 — — — 2,183 1-4 family residential (including home equity) — — — — — 499 499 Residential construction — — — — Consumer and other — — — — — — — Total $ — $ 1,776 $ 1,428 $ — $ — $ 1,058 $ 4,262 Nine Months Ended September 30, 2024 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 $ — $ 1,171 $ 807 $ — $ — $ 1,423 $ 3,401 Real estate: Commercial real estate (including multi-family residential) — — 1,720 — — 1,482 3,202 Commercial real estate construction and land development — 2,781 1,428 — — 2,415 6,624 1-4 family residential (including home equity) — — 1,040 — — 499 1,539 Residential construction — 236 — — — 236 Consumer and other — — — — — — — Total $ — $ 4,188 $ 4,995 $ — $ — $ 5,819 $ 15,002 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 $ 99 $ — $ — $ 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 periods indicated: Three Months Ended September 30, 2024 Three Months Ended September 30, 2023 Weighted-Average Term Extension Weighted-Average Interest Rate Reduction Weighted-Average Term Extension Weighted-Average Interest Rate Reduction (months) (months) Commercial and industrial 6 0.0 % — 0.0 % Real estate: Commercial real estate (including multi-family residential) — 0.0 % 6 0.0 % Commercial real estate construction and land development 20 0.0 % — 0.0 % 1-4 family residential (including home equity) — 0.0 % 24 1.5 % Residential construction — 0.0 % — 0.0 % Consumer and other — 0.0 % — 0.0 % Nine Months Ended September 30, 2024 Nine Months Ended September 30, 2023 Weighted-Average Term Extension Weighted-Average Interest Rate Reduction Weighted-Average Term Extension Weighted-Average Interest Rate Reduction (months) (months) Commercial and industrial 6 0.0 % 12 2.0 % Real estate: Commercial real estate (including multi-family residential) — 0.0 % 9 0.0 % Commercial real estate construction and land development 9 0.0 % 12 0.0 % 1-4 family residential (including home equity) — 0.0 % 16 1.5 % Residential construction 6 0.0 % — 0.0 % Consumer and other — 0.0 % 7 0.0 % The following table summarizes modified loans that had a payment default, determined as 90 or more days past due, within the past twelve months that were modified due to the borrowers experiencing financial difficulty during the periods indicated: Twelve Months Ended September 30, 2024 Twelve Months Ended September 30, 2023 Term Extension Payment Delay Interest Rate Reduction Term Extension Payment Delay Interest Rate Reduction (In thousands) Commercial and industrial $ — $ 807 $ — $ 670 $ — $ 89 Real estate: Commercial real estate (including multi-family residential) — — — — — — Commercial real estate construction and land development 1,668 — — — — — 1-4 family residential (including home equity) — 655 — 715 99 — Residential construction — — — — — — Consumer and other — — — — — — $ 1,668 $ 1,462 $ — $ 1,385 $ 99 $ 89

LEASES (Tables)

LEASES (Tables)	9 Months Ended
	Sep. 30, 2024
Leases [Abstract]
Schedule of Supplemental Lease Information	Supplemental lease information at the dates indicated was as follows: September 30, 2024 December 31, 2023 (Dollars in thousands) Balance Sheet: Operating lease right-of-use asset classified as premises and equipment $ 18,361 $ 20,746 Operating lease liability classified as other liabilities $ 19,054 $ 20,659 Weighted average lease term, in years 7.35 7.67 Weighted average discount rate 4.26 % 4.17 %
Schedule of Lease Costs	Lease costs for the dates indicated was as follows: Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 (In thousands) Income Statement: Operating lease cost $ 1,736 $ 1,885 $ 5,769 $ 5,280 Short-term lease cost 6 8 17 21 Total operating lease costs $ 1,742 $ 1,893 $ 5,786 $ 5,301
Schedule of Maturity Analysis of Lease Liabilities	The following table summarizes the contractual maturity of the Company’s lease liabilities as of the dates indicated below: September 30, 2024 December 31, 2023 (In thousands) Lease payments due: Within one year $ 976 $ 4,428 After one but within two years 4,140 3,978 After two but within three years 3,739 3,430 After three but within four years 3,578 3,227 After four but within five years 3,414 3,047 After five years 6,845 6,605 Total lease payments 22,692 24,715 Less: discount on cash flows (3,638) (4,056) Total lease liability $ 19,054 $ 20,659

FAIR VALUE (Tables)

FAIR VALUE (Tables)	9 Months Ended
	Sep. 30, 2024
Fair Value Disclosures [Abstract]
Schedule of Fair Value, by Balance Sheet Grouping	The carrying amounts and estimated fair values of financial instruments that are reported on the balance sheet were as follows: September 30, 2024 Carrying Estimated Fair Value Level 1 Level 2 Level 3 Total (In thousands) Financial assets Cash and cash equivalents $ 516,217 $ 516,217 $ — $ — $ 516,217 Available for sale securities 1,691,752 — 1,691,752 — 1,691,752 Loans held for investment, net of allowance 7,466,623 — — 7,372,439 7,372,439 Accrued interest receivable 39,473 470 7,427 31,576 39,473 Financial liabilities Deposits $ 8,742,601 $ — $ 8,746,359 $ — $ 8,746,359 Accrued interest payable 16,915 — 16,915 — 16,915 Borrowed funds 60,000 — 60,000 — 60,000 Subordinated debt 110,064 — 107,956 — 107,956 December 31, 2023 Carrying Estimated Fair Value Level 1 Level 2 Level 3 Total (In thousands) Financial assets Cash and cash equivalents $ 399,237 $ 399,237 $ — $ — $ 399,237 Available for sale securities 1,395,680 — 1,395,680 — 1,395,680 Loans held for investment, net of allowance 7,833,449 — — 7,627,962 7,627,962 Accrued interest receivable 44,244 118 6,716 37,410 44,244 Financial liabilities Deposits $ 8,873,467 $ — $ 8,866,645 $ — $ 8,866,645 Accrued interest payable 11,288 — 11,288 — 11,288 Borrowed funds 50,000 — 50,000 — 50,000 Subordinated debt 109,765 — 109,390 — 109,390
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: September 30, 2024 Level 1 Level 2 Level 3 Total (In thousands) Financial assets Available for sale securities: U.S. government and agency securities $ — $ 277,519 $ — $ 277,519 Municipal securities — 198,993 — 198,993 Agency mortgage-backed pass-through securities — 463,447 — 463,447 Agency collateralized mortgage obligations — 645,040 — 645,040 Corporate bonds and other — 106,753 — 106,753 Interest rate swaps — 4,420 — 4,420 Credit risk participation agreements — — 18 18 Total fair value of financial assets $ — $ 1,696,172 $ 18 $ 1,696,190 Financial liabilities Interest rate swaps $ — $ 4,420 $ — $ 4,420 Total fair value of financial liabilities $ — $ 4,420 $ — $ 4,420 December 31, 2023 Level 1 Level 2 Level 3 Total (In thousands) Financial assets Available for sale securities: U.S. government and agency securities $ — $ 297,418 $ — $ 297,418 Municipal securities — 204,059 — 204,059 Agency mortgage-backed pass-through securities — 387,873 — 387,873 Agency collateralized mortgage obligations — 398,117 — 398,117 Corporate bonds and other — 108,213 — 108,213 Interest rate swaps — 6,692 — 6,692 Credit risk participation agreements — — 20 20 Total fair value of financial assets $ — $ 1,402,372 $ 20 $ 1,402,392 Financial liabilities Interest rate swaps $ — $ 6,692 $ — $ 6,692 Total fair value of financial liabilities $ — $ 6,692 $ — $ 6,692
Schedule of Fair Value Measurements, Nonrecurring	Assets measured on a nonrecurring basis for the periods noted are summarized in the table below. September 30, 2024 Level 1 Level 2 Level 3 (In thousands) Loans: Commercial and industrial $ — $ — $ 11,882 Commercial real estate (including multi-family residential) — — 3,447 Commercial real estate construction and land development — — 3,333 1-4 family residential (including home equity) — — 3,985 Consumer and other — — 100 $ — $ — $ 22,747 December 31, 2023 Level 1 Level 2 Level 3 (In thousands) Loans: Commercial and industrial $ — $ — $ 10,084 Commercial real estate (including multi-family residential) — — 7,134 Commercial real estate construction and land development — — 6,654 1-4 family residential (including home equity) — — 3,892 Consumer and other — — 106 Branch assets held for sale (1) 2,033 — — $ 2,033 $ — $ 27,870 (1) Branch assets held for sale are banking centers that closed and were for sale.

DEPOSITS (Tables)

DEPOSITS (Tables)	9 Months Ended
	Sep. 30, 2024
Deposit Liabilities [Abstract]
Schedule of Maturities of Time Deposits	Scheduled maturities of time deposits as of September 30, 2024 were as follows (in thousands): 2024 $ 569,675 2025 812,861 2026 91,606 2027 71,449 Thereafter 41,807 Total $ 1,587,398

DERIVATIVE INSTRUMENTS (Tables)

DERIVATIVE INSTRUMENTS (Tables)	9 Months Ended
	Sep. 30, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivatives Not Designated as Hedging Instruments	Derivative instruments not designated as hedges outstanding as of the periods indicated below were as follows (dollars in thousands): September 30, 2024 Classification Notional Amounts Fair Value Fixed Rate Floating Rate Weighted Average Maturity (Years) Interest rate swaps: Financial institutions Other assets $ 66,101 $ 4,218 3.50% - 5.40% SOFR 1M + 2.50% - 3.00% 5.9 Financial institutions Other assets 4,818 202 4.99% U.S. Prime 3.20 Customers Other liabilities 4,818 (202) 4.99% U.S. Prime 3.20 Customers Other liabilities 66,101 (4,218) 3.50% - 5.40% SOFR 1M + 2.50% - 3.00% 5.92 Credit risk participation agreements: Financial institutions Other assets 20,138 18 3.50% - 5.40% SOFR 1M + 2.50% 6.57 December 31, 2023 Classification Notional Amounts Fair Value Fixed Rate Floating Rate Weighted Average Maturity (Years) Interest rate swaps: Financial institutions Other assets $ 104,930 $ 6,367 3.25% - 5.58% SOFR 1M + 2.50% - 3.00% 4.51 Financial institutions Other assets 4,911 295 4.99% U.S. Prime 3.96 Customers Other assets 4,875 30 6.25% SOFR 1M + 2.50% 4.04 Financial institutions Other liabilities 4,875 (30) 6.25% SOFR 1M + 2.50% 4.04 Customers Other liabilities 4,911 (295) 4.99% U.S. Prime 3.96 Customers Other liabilities 104,930 (6,367) 3.25% - 5.58% SOFR 1M + 2.50% - 3.00% 4.51 Credit risk participation agreements: Financial institutions Other assets $ 20,758 $ 20 3.50% - 5.40% SOFR 1M + 2.50% 7.33

BORROWINGS AND BORROWING CAPA_2

BORROWINGS AND BORROWING CAPACITY (Tables)	9 Months Ended
	Sep. 30, 2024
Debt Disclosure [Abstract]
Schedule of Maturities of Long-Term Debt	At September 30, 2024, FHLB letters of credit pledged as collateral for public and other deposits of state and local government agencies totaled $1.06 billion, which expire in the following periods (in thousands): 2024 $ 27,850 2025 426,065 2026 57,300 2027 402,500 Thereafter 145,000 Total $ 1,058,715

SUBORDINATED DEBT (Tables)

SUBORDINATED DEBT (Tables)	9 Months Ended
	Sep. 30, 2024
Subordinated Borrowings [Abstract]
Schedule of Subordinated Borrowing	A summary of pertinent information related to Stellar’s junior subordinated debentures outstanding at September 30, 2024 is set forth in the table below: Description Issuance Date Trust Preferred Securities Outstanding Junior Subordinated Debt Owed to Trusts Maturity Date (1) (Dollars in thousands) Farmers & Merchants Capital Trust II November 13, 2003 $ 7,500 $ 7,732 November 8, 2033 Farmers & Merchants Capital Trust III June 30, 2005 3,500 3,609 July 7, 2035 $ 11,341 (1) All junior subordinated debentures were callable at September 30, 2024.

INCOME TAXES (Tables)

INCOME TAXES (Tables)	9 Months Ended
	Sep. 30, 2024
Income Tax Disclosure [Abstract]
Schedule of Effective Income Tax Rate Reconciliation	The amount of the Company’s 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, 2024 September 30, 2023 September 30, 2024 September 30, 2023 Income tax expense $ 8,837 $ 7,445 $ 23,388 $ 24,825 Effective income tax rate 20.7 % 19.4 % 20.7 % 19.4 %

STOCK BASED COMPENSATION (Table

STOCK BASED COMPENSATION (Tables)	9 Months Ended
	Sep. 30, 2024
Share-Based Payment Arrangement [Abstract]
Schedule of Share-based Compensation, Stock Options, Activity	Stock option activity during the nine months ended September 30, 2024 was as follows: Number of Weighted- Weighted- Aggregate (In thousands) (In years) (In thousands) Options outstanding, January 1, 2024 258 $ 18.56 2.09 $ 2,398 Options granted — — Options exercised (94) 15.80 Options forfeited (6) 19.89 Options outstanding, September 30, 2024 158 $ 20.17 2.00 $ 937 Options vested and exercisable, September 30, 2024 158 $ 20.17 2.00 $ 937
Schedule of Share-based Compensation, Restricted Stock Units Award Activity	Nonvested shares of restricted stock activity during the nine months ended September 30, 2024 was as follows: Number of Weighted- (In thousands) Nonvested share awards outstanding, January 1, 2024 458 $ 29.38 Share awards granted 311 23.17 Share awards vested (87) 25.16 Unvested share awards forfeited or cancelled (60) 25.74 Nonvested share awards outstanding, September 30, 2024 622 $ 27.22

OFF-BALANCE SHEET ARRANGEMENT_2

OFF-BALANCE SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES (Tables)	9 Months Ended
	Sep. 30, 2024
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, 2024 December 31, 2023 Fixed Variable Fixed Variable (In thousands) Commitments to extend credit $ 317,444 $ 1,385,830 $ 367,068 $ 1,425,946 Standby letters of credit 16,408 25,353 16,147 21,514 Total $ 333,852 $ 1,411,183 $ 383,215 $ 1,447,460

REGULATORY CAPITAL MATTERS (Tab

REGULATORY CAPITAL MATTERS (Tables)	9 Months Ended
	Sep. 30, 2024
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, 2024 and December 31, 2023: 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, 2024 Total Capital (to risk-weighted assets) $ 1,306,505 15.91 % $ 656,980 8.00 % $ 862,286 10.50 % N/A N/A Common Equity Tier 1 Capital (to risk-weighted assets) 1,118,625 13.62 % 369,551 4.50 % 574,858 7.00 % N/A N/A Tier 1 Capital (to risk-weighted assets) 1,128,523 13.74 % 492,735 6.00 % 698,041 8.50 % N/A N/A Tier 1 Leverage (to average tangible assets) 1,128,523 11.25 % 401,233 4.00 % 401,233 4.00 % N/A N/A December 31, 2023 Total Capital (to risk-weighted assets) $ 1,221,060 14.02 % $ 696,529 8.00 % $ 914,195 10.50 % N/A N/A Common Equity Tier 1 Capital (to risk-weighted assets) 1,025,076 11.77 % 391,798 4.50 % 604,463 7.00 % N/A N/A Tier 1 Capital (to risk-weighted assets) 1,034,974 11.89 % 522,397 6.00 % 740,062 8.50 % N/A N/A Tier 1 Leverage (to average tangible assets) 1,034,974 10.18 % 406,859 4.00 % 406,859 4.00 % N/A N/A STELLAR BANK September 30, 2024 Total Capital (to risk-weighted assets) $ 1,235,560 15.07 % $ 655,963 8.00 % $ 860,351 10.50 % $ 819,954 10.00 % Common Equity Tier 1 Capital (to risk-weighted assets) 1,117,621 13.63 % 368,979 4.50 % 573,968 7.00 % 532,970 6.50 % Tier 1 Capital (to risk-weighted assets) 1,117,621 13.63 % 491,972 6.00 % 696,961 8.50 % 655,963 8.00 % Tier 1 Leverage (to average tangible assets) 1,117,621 11.16 % 400,711 4.00 % 400,711 4.00 % 500,889 5.00 % December 31, 2023 Total Capital (to risk-weighted assets) $ 1,186,710 13.65 % $ 695,746 8.00 % $ 913,167 10.50 % $ 869,683 10.00 % Common Equity Tier 1 Capital (to risk-weighted assets) 1,060,624 12.20 % 391,357 4.50 % 608,778 7.00 % 565,294 6.50 % Tier 1 Capital (to risk-weighted assets) 1,060,624 12.20 % 521,810 6.00 % 739,231 8.50 % 695,746 8.00 % Tier 1 Leverage (to average tangible assets) 1,060,624 10.44 % 406,453 4.00 % 406,453 4.00 % 508,066 5.00 %

EARNINGS PER COMMON SHARE (Tabl

EARNINGS PER COMMON SHARE (Tables)	9 Months Ended
	Sep. 30, 2024
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Basic and Diluted	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, 2024 2023 2024 2023 Amount Per Share Amount Per Share Amount Per Share Amount Per Share (Amounts in thousands, except per share data) Net income attributable to shareholders $ 33,891 $ 30,908 $ 89,791 $ 103,231 Basic: Weighted average shares outstanding 53,541 $ 0.63 53,313 $ 0.58 53,485 $ 1.68 53,211 $ 1.94 Diluted: Add incremental shares for: Dilutive effect of stock option exercises and performance share units 39 67 46 89 Total 53,580 $ 0.63 53,380 $ 0.58 53,531 $ 1.68 53,300 $ 1.94

NATURE OF OPERATIONS AND SUMM_3

NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES (Details)	Sep. 30, 2024 office
New Accounting Pronouncement Early Adoption [Line Items]
Number of offices in which entity operates	54
Houston Metropolitan
New Accounting Pronouncement Early Adoption [Line Items]
Number of offices in which entity operates	37
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

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLE ASSETS - Changes in Carrying Amount of Goodwill and Intangibles (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Goodwill
Balance, beginning			$ 497,318	$ 497,260	$ 497,260
Amortization			0		0
Goodwill true-up					58
Balance, ending	$ 497,318		497,318		497,318
Intangible Assets
Balance, beginning			116,712
Decrease due to payoff of serviced loans	(6,212)	$ (6,876)	(18,639)	(20,636)
Balance, ending	98,116		98,116		116,712
Core Deposit Intangibles
Intangible Assets
Balance, beginning			116,712	143,525	143,525
Amortization			(18,596)		(26,813)
Decrease due to payoff of serviced loans			0		0
Balance, ending	98,116		98,116		116,712
Servicing Assets
Intangible Assets
Balance, beginning			212	$ 309	309
Amortization			(43)		(70)
Decrease due to payoff of serviced loans			(13)		(27)
Balance, ending	$ 156		$ 156		$ 212

GOODWILL AND OTHER INTANGIBLE_4

GOODWILL AND OTHER INTANGIBLE ASSETS - Estimated Aggregate Future Amortization Expense for Core Deposit Intangibles (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
Remaining 2024	$ 5,570
2025	21,528
2026	18,896
2027	16,272
Thereafter	35,850
Total	$ 98,116	$ 116,712

SECURITIES - Amortized Cost and

SECURITIES - Amortized Cost and Fair Value of Investment Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 1,803,011	$ 1,545,130
Gross Unrealized Gains	6,272	2,303
Gross Unrealized Losses	(117,531)	(151,753)
Fair Value	1,691,752	1,395,680
U.S. government and agency securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	281,805	307,529
Gross Unrealized Gains	644	90
Gross Unrealized Losses	(4,930)	(10,201)
Fair Value	277,519	297,418
Municipal securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	220,030	229,615
Gross Unrealized Gains	876	1,615
Gross Unrealized Losses	(21,913)	(27,171)
Fair Value	198,993	204,059
Agency mortgage-backed pass-through securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	489,161	424,664
Gross Unrealized Gains	2,658	370
Gross Unrealized Losses	(28,372)	(37,161)
Fair Value	463,447	387,873
Agency collateralized mortgage obligations
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	694,730	462,498
Gross Unrealized Gains	1,923	172
Gross Unrealized Losses	(51,613)	(64,553)
Fair Value	645,040	398,117
Corporate bonds and other
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	117,285	120,824
Gross Unrealized Gains	171	56
Gross Unrealized Losses	(10,703)	(12,667)
Fair Value	$ 106,753	$ 108,213

SECURITIES - Amortized Cost a_2

SECURITIES - Amortized Cost and Fair Value of Investment Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Amortized Cost
Due in one year or less	$ 79,099
Due after one year through five years	82,370
Due after five years through ten years	139,557
Due after ten years	318,094
Subtotal	619,120
Agency mortgage-backed pass-through securities and collateralized mortgage obligations	1,183,891
Amortized Cost	1,803,011	$ 1,545,130
Fair Value
Due in one year or less	78,732
Due after one year through five years	79,933
Due after five years through ten years	126,801
Due after ten years	297,799
Subtotal	583,265
Agency mortgage-backed pass-through securities and collateralized mortgage obligations	1,108,487
Fair Value	$ 1,691,752	$ 1,395,680

SECURITIES - Securities in a Co

SECURITIES - Securities in a Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Debt Securities, Available-for-sale [Line Items]
Securities in a Continuous Unrealized Loss Position, Less than 12 months, Estimated Fair Value	$ 143,109	$ 225,879
Securities in a Continuous Unrealized Loss Position, Less than 12 Months, Unrealized Losses	(3,153)	(5,739)
Securities in a Continuous Unrealized Loss Position, More than 12 Months, Estimated Fair Value	1,061,680	1,024,020
Securities in a Continuous Unrealized Loss Position, More than 12 Months Unrealized Losses	(114,378)	(146,014)
Securities in a Continuous Unrealized Loss Position, Total Estimated Fair Value	1,204,789	1,249,899
Securities in a Continuous Unrealized Loss Position, Total Unrealized Losses	(117,531)	(151,753)
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	21,793	110,038
Securities in a Continuous Unrealized Loss Position, Less than 12 Months, Unrealized Losses	(252)	(2,208)
Securities in a Continuous Unrealized Loss Position, More than 12 Months, Estimated Fair Value	200,318	154,145
Securities in a Continuous Unrealized Loss Position, More than 12 Months Unrealized Losses	(4,678)	(7,993)
Securities in a Continuous Unrealized Loss Position, Total Estimated Fair Value	222,111	264,183
Securities in a Continuous Unrealized Loss Position, Total Unrealized Losses	(4,930)	(10,201)
Municipal securities
Debt Securities, Available-for-sale [Line Items]
Securities in a Continuous Unrealized Loss Position, Less than 12 months, Estimated Fair Value	3,894	1,303
Securities in a Continuous Unrealized Loss Position, Less than 12 Months, Unrealized Losses	(61)	(14)
Securities in a Continuous Unrealized Loss Position, More than 12 Months, Estimated Fair Value	173,528	177,957
Securities in a Continuous Unrealized Loss Position, More than 12 Months Unrealized Losses	(21,852)	(27,157)
Securities in a Continuous Unrealized Loss Position, Total Estimated Fair Value	177,422	179,260
Securities in a Continuous Unrealized Loss Position, Total Unrealized Losses	(21,913)	(27,171)
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	9,080	80,208
Securities in a Continuous Unrealized Loss Position, Less than 12 Months, Unrealized Losses	(46)	(1,444)
Securities in a Continuous Unrealized Loss Position, More than 12 Months, Estimated Fair Value	282,153	257,779
Securities in a Continuous Unrealized Loss Position, More than 12 Months Unrealized Losses	(28,326)	(35,717)
Securities in a Continuous Unrealized Loss Position, Total Estimated Fair Value	291,233	337,987
Securities in a Continuous Unrealized Loss Position, Total Unrealized Losses	(28,372)	(37,161)
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	97,888	23,051
Securities in a Continuous Unrealized Loss Position, Less than 12 Months, Unrealized Losses	(737)	(621)
Securities in a Continuous Unrealized Loss Position, More than 12 Months, Estimated Fair Value	327,654	348,854
Securities in a Continuous Unrealized Loss Position, More than 12 Months Unrealized Losses	(50,876)	(63,932)
Securities in a Continuous Unrealized Loss Position, Total Estimated Fair Value	425,542	371,905
Securities in a Continuous Unrealized Loss Position, Total Unrealized Losses	(51,613)	(64,553)
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	10,454	11,279
Securities in a Continuous Unrealized Loss Position, Less than 12 Months, Unrealized Losses	(2,057)	(1,452)
Securities in a Continuous Unrealized Loss Position, More than 12 Months, Estimated Fair Value	78,027	85,285
Securities in a Continuous Unrealized Loss Position, More than 12 Months Unrealized Losses	(8,646)	(11,215)
Securities in a Continuous Unrealized Loss Position, Total Estimated Fair Value	88,481	96,564
Securities in a Continuous Unrealized Loss Position, Total Unrealized Losses	$ (10,703)	$ (12,667)

SECURITIES - Narrative (Details

SECURITIES - Narrative (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales of available for sale securities	$ 6,900	$ 320,700
Realized gains		$ 234
Security owned and pledged as collateral, associated liabilities, fair value	$ 501,100		$ 607,500

LOANS AND ALLOWANCE FOR CREDI_3

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loan Portfolio (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	$ 7,551,124		$ 7,925,133
Allowance for credit losses on loans	(84,501)	$ (94,772)	(91,684)	$ (93,575)	$ (100,195)	$ (93,180)
Loans, net	7,466,623		7,833,449
Commercial and industrial
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,347,876		1,409,002
Allowance for credit losses on loans	(30,006)	(38,776)	(31,979)	(32,564)	(38,505)	(41,236)
Paycheck Protection Program (PPP)
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	2,877		5,100
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	3,976,296		4,071,807
Allowance for credit losses on loans	(35,419)	(35,897)	(38,187)	(39,023)	(38,963)	(32,970)
Real estate: | Commercial real estate construction and land development
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	890,316		1,060,406
Allowance for credit losses on loans	(12,031)	(12,511)	(13,627)	(13,709)	(14,500)	(14,121)
Real estate: | 1-4 family residential (including home equity)
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,112,235		1,047,174
Allowance for credit losses on loans	(5,051)	(5,230)	(4,785)	(4,791)	(4,757)	(2,709)
Real estate: | Residential construction
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	161,494		267,357
Allowance for credit losses on loans	(1,579)	(1,963)	(2,623)	(2,859)	(3,080)	(1,796)
Consumer and other
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	60,030		64,287
Allowance for credit losses on loans	$ (415)	$ (395)	$ (483)	$ (629)	$ (390)	$ (348)

LOANS AND ALLOWANCE FOR CREDI_4

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Aging Analysis of the Recorded Investment in Past Due Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Accounts Notes And Loans Receivable [Line Items]
Loans	$ 7,551,124	$ 7,925,133
Nonaccrual Loans	32,140	39,191
30-89 Days
Accounts Notes And Loans Receivable [Line Items]
Loans	32,402	27,466
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	32,402	27,466
Current Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	7,486,582	7,858,476
Commercial and industrial
Accounts Notes And Loans Receivable [Line Items]
Loans	1,347,876	1,409,002
Nonaccrual Loans	9,712	5,048
Commercial and industrial | 30-89 Days
Accounts Notes And Loans Receivable [Line Items]
Loans	4,817	6,096
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	4,817	6,096
Commercial and industrial | Current Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	1,333,347	1,397,858
Paycheck Protection Program (PPP)
Accounts Notes And Loans Receivable [Line Items]
Loans	2,877	5,100
Nonaccrual Loans	6	0
Paycheck Protection Program (PPP) | 30-89 Days
Accounts Notes And Loans Receivable [Line Items]
Loans	14	375
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	14	375
Paycheck Protection Program (PPP) | Current Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	2,857	4,725
Real estate: | Commercial real estate (including multi-family residential)
Accounts Notes And Loans Receivable [Line Items]
Loans	3,976,296	4,071,807
Nonaccrual Loans	10,695	16,699
Real estate: | Commercial real estate (including multi-family residential) | 30-89 Days
Accounts Notes And Loans Receivable [Line Items]
Loans	14,917	9,600
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	14,917	9,600
Real estate: | Commercial real estate (including multi-family residential) | Current Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	3,950,684	4,045,508
Real estate: | Commercial real estate construction and land development
Accounts Notes And Loans Receivable [Line Items]
Loans	890,316	1,060,406
Nonaccrual Loans	4,183	5,043
Real estate: | Commercial real estate construction and land development | 30-89 Days
Accounts Notes And Loans Receivable [Line Items]
Loans	2,558	7,341
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	2,558	7,341
Real estate: | Commercial real estate construction and land development | Current Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	883,575	1,048,022
Real estate: | 1-4 family residential (including home equity)
Accounts Notes And Loans Receivable [Line Items]
Loans	1,112,235	1,047,174
Nonaccrual Loans	7,259	8,874
Real estate: | 1-4 family residential (including home equity) | 30-89 Days
Accounts Notes And Loans Receivable [Line Items]
Loans	4,451	3,492
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	4,451	3,492
Real estate: | 1-4 family residential (including home equity) | Current Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	1,100,525	1,034,808
Real estate: | Residential construction
Accounts Notes And Loans Receivable [Line Items]
Loans	161,494	267,357
Nonaccrual Loans	121	3,288
Real estate: | Residential construction | 30-89 Days
Accounts Notes And Loans Receivable [Line Items]
Loans	5,546	498
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	5,546	498
Real estate: | Residential construction | Current Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	155,827	263,571
Consumer and other
Accounts Notes And Loans Receivable [Line Items]
Loans	60,030	64,287
Nonaccrual Loans	164	239
Consumer and other | 30-89 Days
Accounts Notes And Loans Receivable [Line Items]
Loans	99	64
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	99	64
Consumer and other | Current Loans
Accounts Notes And Loans Receivable [Line Items]
Loans	$ 59,767	$ 63,984

LOANS AND ALLOWANCE FOR CREDI_5

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Risk Ratings by Category of Loans (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	$ 930,889
Origination Year, 2023	1,117,163
Origination Year, 2022	2,209,678
Origination Year, 2021	1,219,922
Origination Year, 2020	546,934
Origination Year, Prior	664,751
Revolving Loans	747,299
Revolving Loans Converted to Term Loans	114,488
Total loans	7,551,124	$ 7,925,133
Current period gross charge-offs
Origination Year, 2024	0
Origination Year, 2023	1,217
Origination Year, 2022	570
Origination Year, 2021	850
Origination Year, 2020	421
Origination Year, Prior	76
Revolving Loans	410
Revolving Loans Converted to Term Loans	2,311
Current-period gross charge-offs, Total	5,855
Pass
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	895,126
Origination Year, 2023	1,083,040
Origination Year, 2022	2,147,004
Origination Year, 2021	1,165,203
Origination Year, 2020	510,395
Origination Year, Prior	615,923
Revolving Loans	726,334
Revolving Loans Converted to Term Loans	98,222
Total loans	7,241,247	7,714,375
Special Mention
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	21,560
Origination Year, 2023	15,308
Origination Year, 2022	48,438
Origination Year, 2021	27,465
Origination Year, 2020	29,576
Origination Year, Prior	22,212
Revolving Loans	11,969
Revolving Loans Converted to Term Loans	3,755
Total loans	180,283	78,011
Substandard
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	14,203
Origination Year, 2023	18,772
Origination Year, 2022	14,236
Origination Year, 2021	27,254
Origination Year, 2020	6,963
Origination Year, Prior	26,616
Revolving Loans	8,996
Revolving Loans Converted to Term Loans	12,511
Total loans	129,551	132,699
Doubtful
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	0
Origination Year, 2023	43
Origination Year, 2022	0
Origination Year, 2021	0
Origination Year, 2020	0
Origination Year, Prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	43	48
Commercial and industrial
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	206,758
Origination Year, 2023	240,046
Origination Year, 2022	179,229
Origination Year, 2021	131,006
Origination Year, 2020	27,850
Origination Year, Prior	33,521
Revolving Loans	469,204
Revolving Loans Converted to Term Loans	60,262
Total loans	1,347,876	1,409,002
Current period gross charge-offs
Origination Year, 2024	0
Origination Year, 2023	1,207
Origination Year, 2022	570
Origination Year, 2021	305
Origination Year, 2020	174
Origination Year, Prior	46
Revolving Loans	410
Revolving Loans Converted to Term Loans	2,218
Current-period gross charge-offs, Total	4,930
Commercial and industrial | Pass
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	204,235
Origination Year, 2023	237,416
Origination Year, 2022	172,538
Origination Year, 2021	129,491
Origination Year, 2020	27,316
Origination Year, Prior	22,057
Revolving Loans	463,532
Revolving Loans Converted to Term Loans	52,523
Total loans	1,309,108	1,377,118
Commercial and industrial | Special Mention
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	1,316
Origination Year, 2023	1,297
Origination Year, 2022	2,546
Origination Year, 2021	618
Origination Year, 2020	132
Origination Year, Prior	780
Revolving Loans	2,721
Revolving Loans Converted to Term Loans	1,923
Total loans	11,333	8,340
Commercial and industrial | Substandard
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	1,207
Origination Year, 2023	1,290
Origination Year, 2022	4,145
Origination Year, 2021	897
Origination Year, 2020	402
Origination Year, Prior	10,684
Revolving Loans	2,951
Revolving Loans Converted to Term Loans	5,816
Total loans	27,392	23,496
Commercial and industrial | Doubtful
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	0
Origination Year, 2023	43
Origination Year, 2022	0
Origination Year, 2021	0
Origination Year, 2020	0
Origination Year, Prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	43	48
Paycheck Protection Program (PPP)
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	0
Origination Year, 2023	0
Origination Year, 2022	0
Origination Year, 2021	1,715
Origination Year, 2020	1,162
Origination Year, Prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	2,877	5,100
Current period gross charge-offs
Origination Year, 2024	0
Origination Year, 2023	0
Origination Year, 2022	0
Origination Year, 2021	0
Origination Year, 2020	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]
Origination Year, 2024	0
Origination Year, 2023	0
Origination Year, 2022	0
Origination Year, 2021	1,715
Origination Year, 2020	1,162
Origination Year, Prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	2,877	5,100
Paycheck Protection Program (PPP) | Special Mention
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	0
Origination Year, 2023	0
Origination Year, 2022	0
Origination Year, 2021	0
Origination Year, 2020	0
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]
Origination Year, 2024	0
Origination Year, 2023	0
Origination Year, 2022	0
Origination Year, 2021	0
Origination Year, 2020	0
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]
Origination Year, 2024	0
Origination Year, 2023	0
Origination Year, 2022	0
Origination Year, 2021	0
Origination Year, 2020	0
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]
Origination Year, 2024	343,932
Origination Year, 2023	421,604
Origination Year, 2022	1,382,783
Origination Year, 2021	794,869
Origination Year, 2020	396,958
Origination Year, Prior	500,228
Revolving Loans	113,079
Revolving Loans Converted to Term Loans	22,843
Total loans	3,976,296	4,071,807
Current period gross charge-offs
Origination Year, 2024	0
Origination Year, 2023	0
Origination Year, 2022	0
Origination Year, 2021	541
Origination Year, 2020	245
Origination Year, Prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Current-period gross charge-offs, Total	786
Real estate: | Commercial real estate (including multi-family residential) | Pass
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	326,262
Origination Year, 2023	404,440
Origination Year, 2022	1,337,966
Origination Year, 2021	753,748
Origination Year, 2020	364,426
Origination Year, Prior	471,694
Revolving Loans	108,888
Revolving Loans Converted to Term Loans	21,454
Total loans	3,788,878	3,959,675
Real estate: | Commercial real estate (including multi-family residential) | Special Mention
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	16,867
Origination Year, 2023	6,647
Origination Year, 2022	37,010
Origination Year, 2021	18,064
Origination Year, 2020	27,680
Origination Year, Prior	18,400
Revolving Loans	2,285
Revolving Loans Converted to Term Loans	1,389
Total loans	128,342	54,483
Real estate: | Commercial real estate (including multi-family residential) | Substandard
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	803
Origination Year, 2023	10,517
Origination Year, 2022	7,807
Origination Year, 2021	23,057
Origination Year, 2020	4,852
Origination Year, Prior	10,134
Revolving Loans	1,906
Revolving Loans Converted to Term Loans	0
Total loans	59,076	57,649
Real estate: | Commercial real estate (including multi-family residential) | Doubtful
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	0
Origination Year, 2023	0
Origination Year, 2022	0
Origination Year, 2021	0
Origination Year, 2020	0
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]
Origination Year, 2024	168,597
Origination Year, 2023	208,695
Origination Year, 2022	338,239
Origination Year, 2021	81,123
Origination Year, 2020	12,395
Origination Year, Prior	10,316
Revolving Loans	59,221
Revolving Loans Converted to Term Loans	11,730
Total loans	890,316	1,060,406
Current period gross charge-offs
Origination Year, 2024	0
Origination Year, 2023	0
Origination Year, 2022	0
Origination Year, 2021	0
Origination Year, 2020	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]
Origination Year, 2024	162,490
Origination Year, 2023	198,998
Origination Year, 2022	330,380
Origination Year, 2021	75,628
Origination Year, 2020	12,395
Origination Year, Prior	8,595
Revolving Loans	51,948
Revolving Loans Converted to Term Loans	11,187
Total loans	851,621	1,032,789
Real estate: | Commercial real estate construction and land development | Special Mention
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	2,115
Origination Year, 2023	5,372
Origination Year, 2022	7,026
Origination Year, 2021	5,495
Origination Year, 2020	0
Origination Year, Prior	1,642
Revolving Loans	6,963
Revolving Loans Converted to Term Loans	0
Total loans	28,613	9,737
Real estate: | Commercial real estate construction and land development | Substandard
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	3,992
Origination Year, 2023	4,325
Origination Year, 2022	833
Origination Year, 2021	0
Origination Year, 2020	0
Origination Year, Prior	79
Revolving Loans	310
Revolving Loans Converted to Term Loans	543
Total loans	10,082	17,880
Real estate: | Commercial real estate construction and land development | Doubtful
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	0
Origination Year, 2023	0
Origination Year, 2022	0
Origination Year, 2021	0
Origination Year, 2020	0
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]
Origination Year, 2024	104,273
Origination Year, 2023	168,311
Origination Year, 2022	293,178
Origination Year, 2021	209,319
Origination Year, 2020	107,876
Origination Year, Prior	120,275
Revolving Loans	91,055
Revolving Loans Converted to Term Loans	17,948
Total loans	1,112,235	1,047,174
Current period gross charge-offs
Origination Year, 2024	0
Origination Year, 2023	0
Origination Year, 2022	0
Origination Year, 2021	0
Origination Year, 2020	2
Origination Year, Prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Current-period gross charge-offs, Total	2
Real estate: | 1-4 family residential (including home equity) | Pass
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	100,678
Origination Year, 2023	164,149
Origination Year, 2022	289,962
Origination Year, 2021	202,768
Origination Year, 2020	104,403
Origination Year, Prior	113,166
Revolving Loans	87,228
Revolving Loans Converted to Term Loans	11,404
Total loans	1,073,758	1,011,743
Real estate: | 1-4 family residential (including home equity) | Special Mention
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	1,262
Origination Year, 2023	1,671
Origination Year, 2022	1,835
Origination Year, 2021	3,272
Origination Year, 2020	1,764
Origination Year, Prior	1,390
Revolving Loans	0
Revolving Loans Converted to Term Loans	443
Total loans	11,637	5,384
Real estate: | 1-4 family residential (including home equity) | Substandard
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	2,333
Origination Year, 2023	2,491
Origination Year, 2022	1,381
Origination Year, 2021	3,279
Origination Year, 2020	1,709
Origination Year, Prior	5,719
Revolving Loans	3,827
Revolving Loans Converted to Term Loans	6,101
Total loans	26,840	30,047
Real estate: | 1-4 family residential (including home equity) | Doubtful
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	0
Origination Year, 2023	0
Origination Year, 2022	0
Origination Year, 2021	0
Origination Year, 2020	0
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]
Origination Year, 2024	79,647
Origination Year, 2023	69,332
Origination Year, 2022	12,338
Origination Year, 2021	0
Origination Year, 2020	0
Origination Year, Prior	0
Revolving Loans	177
Revolving Loans Converted to Term Loans	0
Total loans	161,494	267,357
Current period gross charge-offs
Origination Year, 2024	0
Origination Year, 2023	0
Origination Year, 2022	0
Origination Year, 2021	0
Origination Year, 2020	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]
Origination Year, 2024	73,865
Origination Year, 2023	68,890
Origination Year, 2022	12,338
Origination Year, 2021	0
Origination Year, 2020	0
Origination Year, Prior	0
Revolving Loans	177
Revolving Loans Converted to Term Loans	0
Total loans	155,270	264,069
Real estate: | Residential construction | Special Mention
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	0
Origination Year, 2023	321
Origination Year, 2022	0
Origination Year, 2021	0
Origination Year, 2020	0
Origination Year, Prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	321	0
Real estate: | Residential construction | Substandard
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	5,782
Origination Year, 2023	121
Origination Year, 2022	0
Origination Year, 2021	0
Origination Year, 2020	0
Origination Year, Prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	5,903	3,288
Real estate: | Residential construction | Doubtful
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	0
Origination Year, 2023	0
Origination Year, 2022	0
Origination Year, 2021	0
Origination Year, 2020	0
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]
Origination Year, 2024	27,682
Origination Year, 2023	9,175
Origination Year, 2022	3,911
Origination Year, 2021	1,890
Origination Year, 2020	693
Origination Year, Prior	411
Revolving Loans	14,563
Revolving Loans Converted to Term Loans	1,705
Total loans	60,030	64,287
Current period gross charge-offs
Origination Year, 2024	0
Origination Year, 2023	10
Origination Year, 2022	0
Origination Year, 2021	4
Origination Year, 2020	0
Origination Year, Prior	30
Revolving Loans	0
Revolving Loans Converted to Term Loans	93
Current-period gross charge-offs, Total	137
Consumer and other | Pass
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	27,596
Origination Year, 2023	9,147
Origination Year, 2022	3,820
Origination Year, 2021	1,853
Origination Year, 2020	693
Origination Year, Prior	411
Revolving Loans	14,561
Revolving Loans Converted to Term Loans	1,654
Total loans	59,735	63,881
Consumer and other | Special Mention
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	0
Origination Year, 2023	0
Origination Year, 2022	21
Origination Year, 2021	16
Origination Year, 2020	0
Origination Year, Prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	37	67
Consumer and other | Substandard
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	86
Origination Year, 2023	28
Origination Year, 2022	70
Origination Year, 2021	21
Origination Year, 2020	0
Origination Year, Prior	0
Revolving Loans	2
Revolving Loans Converted to Term Loans	51
Total loans	258	339
Consumer and other | Doubtful
Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]
Origination Year, 2024	0
Origination Year, 2023	0
Origination Year, 2022	0
Origination Year, 2021	0
Origination Year, 2020	0
Origination Year, Prior	0
Revolving Loans	0
Revolving Loans Converted to Term Loans	0
Total loans	$ 0	$ 0

LOANS AND ALLOWANCE FOR CREDI_6

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Narrative (Details) - USD ($)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2022
Financing Receivable Allowance For Credit Losses [Line Items]
Less: allowance for credit losses on loans	$ 84,501,000	$ 93,575,000	$ 84,501,000	$ 93,575,000	$ 91,684,000	$ 94,772,000	$ 100,195,000	$ 93,180,000
Provision (reversal) for credit losses on loans	(6,338,000)	1,496,000	(2,537,000)	8,939,000
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	10,000,000		$ 10,000,000		$ 11,300,000
Provision (reversal) for credit losses on loans	$ 353,000	$ 818,000	$ (1,300,000)	$ (1,000,000)

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, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Allowance for credit losses on loans:
Balance, beginning of period	$ 94,772	$ 100,195	$ 91,684	$ 93,180
(Reversal of) provision for credit losses on loans	(6,338)	1,496	(2,537)	8,939
Charge-offs	(4,413)	(8,176)	(5,855)	(9,721)
Recoveries	480	60	1,209	1,177
Net charge-offs	(3,933)	(8,116)	(4,646)	(8,544)
Balance, end of period	84,501	93,575	84,501	93,575
Commercial and industrial
Allowance for credit losses on loans:
Balance, beginning of period	38,776	38,505	31,979	41,236
(Reversal of) provision for credit losses on loans	(5,101)	2,173	1,791	(143)
Charge-offs	(4,120)	(8,169)	(4,930)	(9,653)
Recoveries	451	55	1,166	1,124
Net charge-offs	(3,669)	(8,114)	(3,764)	(8,529)
Balance, end of period	30,006	32,564	30,006	32,564
Paycheck Protection Program (PPP)
Allowance for credit losses on loans:
Balance, beginning of period	0	0	0	0
(Reversal of) 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	35,897	38,963	38,187	32,970
(Reversal of) provision for credit losses on loans	(245)	58	(2,008)	6,037
Charge-offs	(259)	0	(786)	0
Recoveries	26	2	26	16
Net charge-offs	(233)	2	(760)	16
Balance, end of period	35,419	39,023	35,419	39,023
Real estate: | Commercial real estate construction and land development
Allowance for credit losses on loans:
Balance, beginning of period	12,511	14,500	13,627	14,121
(Reversal of) provision for credit losses on loans	(480)	(791)	(1,596)	(412)
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Net charge-offs	0	0	0	0
Balance, end of period	12,031	13,709	12,031	13,709
Real estate: | 1-4 family residential (including home equity)
Allowance for credit losses on loans:
Balance, beginning of period	5,230	4,757	4,785	2,709
(Reversal of) provision for credit losses on loans	(177)	34	262	2,096
Charge-offs	(2)	0	(2)	(23)
Recoveries	0	0	6	9
Net charge-offs	(2)	0	4	(14)
Balance, end of period	5,051	4,791	5,051	4,791
Real estate: | Residential construction
Allowance for credit losses on loans:
Balance, beginning of period	1,963	3,080	2,623	1,796
(Reversal of) provision for credit losses on loans	(384)	(221)	(1,044)	1,063
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Net charge-offs	0	0	0	0
Balance, end of period	1,579	2,859	1,579	2,859
Consumer and other
Allowance for credit losses on loans:
Balance, beginning of period	395	390	483	348
(Reversal of) provision for credit losses on loans	49	243	58	298
Charge-offs	(32)	(7)	(137)	(45)
Recoveries	3	3	11	28
Net charge-offs	(29)	(4)	(126)	(17)
Balance, end of period	$ 415	$ 629	$ 415	$ 629

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, 2024	Dec. 31, 2023
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	$ 27,049	$ 6,479
Real Estate
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	20,480	6,409
Business Assets
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	6,483	70
Other
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	86	0
Commercial and industrial
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	6,483	70
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	6,483	70
Commercial and industrial | Other
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)
Financing Receivable Allowance For Credit Losses [Line Items]
Finance receivables allowance of credit losses	9,038	5,548
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	9,038	5,548
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	4,183	437
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	4,183	437
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	7,259	424
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	7,259	424
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	86	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	$ 86	$ 0

LOANS AND ALLOWANCE FOR CREDI_9

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Summary of Nonaccrual Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Financing Receivable Nonaccrual Status [Line Items]
Nonaccrual Loans with No Related Allowance	$ 19,279	$ 29,245
Nonaccrual Loans with Related Allowance	12,861	9,946
Total Nonaccrual Loans	32,140	39,191
Finance receivables allowance of credit losses	27,049	6,479
Real Estate
Financing Receivable Nonaccrual Status [Line Items]
Finance receivables allowance of credit losses	20,480	6,409
Business Assets
Financing Receivable Nonaccrual Status [Line Items]
Finance receivables allowance of credit losses	6,483	70
Other
Financing Receivable Nonaccrual Status [Line Items]
Finance receivables allowance of credit losses	86	0
Commercial and industrial
Financing Receivable Nonaccrual Status [Line Items]
Nonaccrual Loans with No Related Allowance	4,826	1,616
Nonaccrual Loans with Related Allowance	4,886	3,432
Total Nonaccrual Loans	9,712	5,048
Finance receivables allowance of credit losses	6,483	70
Commercial and industrial | Real Estate
Financing Receivable Nonaccrual Status [Line Items]
Finance receivables allowance of credit losses	0	0
Commercial and industrial | Business Assets
Financing Receivable Nonaccrual Status [Line Items]
Finance receivables allowance of credit losses	6,483	70
Commercial and industrial | Other
Financing Receivable Nonaccrual Status [Line Items]
Finance receivables allowance of credit losses	0	0
Paycheck Protection Program (PPP)
Financing Receivable Nonaccrual Status [Line Items]
Nonaccrual Loans with No Related Allowance	6	0
Nonaccrual Loans with Related Allowance	0	0
Total Nonaccrual Loans	6	0
Real estate: | Commercial real estate (including multi-family residential)
Financing Receivable Nonaccrual Status [Line Items]
Nonaccrual Loans with No Related Allowance	8,773	11,844
Nonaccrual Loans with Related Allowance	1,922	4,855
Total Nonaccrual Loans	10,695	16,699
Finance receivables allowance of credit losses	9,038	5,548
Real estate: | Commercial real estate (including multi-family residential) | Real Estate
Financing Receivable Nonaccrual Status [Line Items]
Finance receivables allowance of credit losses	9,038	5,548
Real estate: | Commercial real estate (including multi-family residential) | Business Assets
Financing Receivable Nonaccrual Status [Line Items]
Finance receivables allowance of credit losses	0	0
Real estate: | Commercial real estate (including multi-family residential) | Other
Financing Receivable Nonaccrual Status [Line Items]
Finance receivables allowance of credit losses	0	0
Real estate: | Commercial real estate construction and land development
Financing Receivable Nonaccrual Status [Line Items]
Nonaccrual Loans with No Related Allowance	79	5,043
Nonaccrual Loans with Related Allowance	4,104	0
Total Nonaccrual Loans	4,183	5,043
Finance receivables allowance of credit losses	4,183	437
Real estate: | Commercial real estate construction and land development | Real Estate
Financing Receivable Nonaccrual Status [Line Items]
Finance receivables allowance of credit losses	4,183	437
Real estate: | Commercial real estate construction and land development | Business Assets
Financing Receivable Nonaccrual Status [Line Items]
Finance receivables allowance of credit losses	0	0
Real estate: | Commercial real estate construction and land development | Other
Financing Receivable Nonaccrual Status [Line Items]
Finance receivables allowance of credit losses	0	0
Real estate: | 1-4 family residential (including home equity)
Financing Receivable Nonaccrual Status [Line Items]
Nonaccrual Loans with No Related Allowance	5,509	7,400
Nonaccrual Loans with Related Allowance	1,750	1,474
Total Nonaccrual Loans	7,259	8,874
Finance receivables allowance of credit losses	7,259	424
Real estate: | 1-4 family residential (including home equity) | Real Estate
Financing Receivable Nonaccrual Status [Line Items]
Finance receivables allowance of credit losses	7,259	424
Real estate: | 1-4 family residential (including home equity) | Business Assets
Financing Receivable Nonaccrual Status [Line Items]
Finance receivables allowance of credit losses	0	0
Real estate: | 1-4 family residential (including home equity) | Other
Financing Receivable Nonaccrual Status [Line Items]
Finance receivables allowance of credit losses	0	0
Real estate: | Residential construction
Financing Receivable Nonaccrual Status [Line Items]
Nonaccrual Loans with No Related Allowance	0	3,288
Nonaccrual Loans with Related Allowance	121	0
Total Nonaccrual Loans	121	3,288
Finance receivables allowance of credit losses	0	0
Real estate: | Residential construction | Real Estate
Financing Receivable Nonaccrual Status [Line Items]
Finance receivables allowance of credit losses	0	0
Real estate: | Residential construction | Business Assets
Financing Receivable Nonaccrual Status [Line Items]
Finance receivables allowance of credit losses	0	0
Real estate: | Residential construction | Other
Financing Receivable Nonaccrual Status [Line Items]
Finance receivables allowance of credit losses	0	0
Consumer and other
Financing Receivable Nonaccrual Status [Line Items]
Nonaccrual Loans with No Related Allowance	86	54
Nonaccrual Loans with Related Allowance	78	185
Total Nonaccrual Loans	164	239
Finance receivables allowance of credit losses	86	0
Consumer and other | Real Estate
Financing Receivable Nonaccrual Status [Line Items]
Finance receivables allowance of credit losses	0	0
Consumer and other | Business Assets
Financing Receivable Nonaccrual Status [Line Items]
Finance receivables allowance of credit losses	0	0
Consumer and other | Other
Financing Receivable Nonaccrual Status [Line Items]
Finance receivables allowance of credit losses	$ 86	$ 0

LOANS AND ALLOWANCE FOR CRED_10

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans Modified Borrowers Experiencing Financial Difficulty (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	$ 4,262	$ 2,382	$ 15,002	$ 15,058
Interest Rate Reduction
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0	0	89
Term Extension
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	1,776	2,212	4,188	12,836
Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	1,428	99	4,995	99
Principal Forgiveness
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0	0	0
Combination Term Extension and Principal Forgiveness
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0	0	0
Combination Term Extension and Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	1,058	71	5,819	2,034
Commercial and industrial
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	1,580	0	3,401	2,534
Commercial and industrial | Interest Rate Reduction
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0	0	89
Commercial and industrial | Term Extension
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	1,021	0	1,171	2,185
Commercial and industrial | Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0	807	0
Commercial and industrial | Principal Forgiveness
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0	0	0
Commercial and industrial | Combination Term Extension and Principal Forgiveness
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0	0	0
Commercial and industrial | Combination Term Extension and Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	559	0	1,423	260
Real estate: | Commercial real estate (including multi-family residential)
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	1,890	3,202	4,373
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	0	0
Real estate: | Commercial real estate (including multi-family residential) | Term Extension
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	1,890	0	2,670
Real estate: | Commercial real estate (including multi-family residential) | Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0	1,720	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	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	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	0	1,482	1,703
Real estate: | Commercial real estate construction and land development
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	2,183	0	6,624	6,850
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	0	0
Real estate: | Commercial real estate construction and land development | Term Extension
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	755	0	2,781	6,850
Real estate: | Commercial real estate construction and land development | Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	1,428	0	1,428	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	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	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	2,415	0
Real estate: | 1-4 family residential (including home equity)
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	499	492	1,539	1,207
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	0	0
Real estate: | 1-4 family residential (including home equity) | Term Extension
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	322	0	1,037
Real estate: | 1-4 family residential (including home equity) | Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	99	1,040	99
Real estate: | 1-4 family residential (including home equity) | Principal Forgiveness
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0	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	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	499	71	499	71
Real estate: | Residential construction
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0	236	0
Real estate: | Residential construction | Interest Rate Reduction
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0	0	0
Real estate: | Residential construction | Term Extension
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period		0	236	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	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	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	0
Consumer and other
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0	0	94
Consumer and other | Interest Rate Reduction
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0	0	0
Consumer and other | Term Extension
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0	0	94
Consumer and other | Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0	0	0
Consumer and other | Principal Forgiveness
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0	0	0
Consumer and other | Combination Term Extension and Principal Forgiveness
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	0	0	0	0
Consumer and other | Combination Term Extension and Payment Delay
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, modified period	$ 0	$ 0	$ 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, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Commercial and industrial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Term Extension	6 months		6 months	12 months
Weighted-Average Interest Rate Reduction	0%	0%	0%	2%
Real estate: | Commercial real estate (including multi-family residential)
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Term Extension		6 months		9 months
Weighted-Average Interest Rate Reduction	0%	0%	0%	0%
Real estate: | Commercial real estate construction and land development
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Term Extension	20 months		9 months	12 months
Weighted-Average Interest Rate Reduction	0%	0%	0%	0%
Real estate: | 1-4 family residential (including home equity)
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Term Extension		24 months		16 months
Weighted-Average Interest Rate Reduction	0%	1.50%	0%	1.50%
Real estate: | Residential construction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Term Extension	6 months
Weighted-Average Interest Rate Reduction	0%	0%	0%	0%
Consumer and other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted-Average Term Extension				7 months
Weighted-Average Interest Rate Reduction	0%	0%	0%	0%

LOANS AND ALLOWANCE FOR CRED_12

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Loans with Payment Default, Modified (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	$ 1,668	$ 1,385
Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	1,462	99
Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0	89
Commercial and industrial | Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0	670
Commercial and industrial | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	807	0
Commercial and industrial | Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0	89
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	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	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	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	1,668	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	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	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	0	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	655	99
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	0
Real estate: | Residential construction | Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0	0
Real estate: | Residential construction | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0	0
Real estate: | Residential construction | Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0	0
Consumer and other | Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0	0
Consumer and other | Payment Delay
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	0	0
Consumer and other | Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost basis, subsequent default loans	$ 0	$ 0

LEASES - Narrative (Details)

LEASES - Narrative (Details)	9 Months Ended
	Sep. 30, 2024 lease
Leases [Abstract]
Number of leased branch locations and office space along with equipment	30

LEASES - Supplemental Lease Inf

LEASES - Supplemental Lease Information (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Balance Sheet:
Operating lease right-of-use asset classified as premises and equipment	$ 18,361	$ 20,746
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	$ 19,054	$ 20,659
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other liabilities	Other liabilities
Weighted average lease term, in years	7 years 4 months 6 days	7 years 8 months 1 day
Weighted average discount rate	4.26%	4.17%

LEASES - Summary of Lease Costs

LEASES - Summary of Lease Costs (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Income Statement:
Operating lease cost	$ 1,736	$ 1,885	$ 5,769	$ 5,280
Short-term lease cost	6	8	17	21
Total operating lease costs	$ 1,742	$ 1,893	$ 5,786	$ 5,301

LEASES - Maturity Analysis of L

LEASES - Maturity Analysis of Lease Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Lease payments due:
Within one year	$ 976	$ 4,428
After one but within two years	4,140	3,978
After two but within three years	3,739	3,430
After three but within four years	3,578	3,227
After four but within five years	3,414	3,047
After five years	6,845	6,605
Total lease payments	22,692	24,715
Less: discount on cash flows	(3,638)	(4,056)
Total lease liability	$ 19,054	$ 20,659

FAIR VALUE - Carrying Amounts a

FAIR VALUE - Carrying Amounts and Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Carrying Amount
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	$ 516,217	$ 399,237
Available for sale securities	1,691,752	1,395,680
Loans held for investment, net of allowance	7,466,623	7,833,449
Accrued interest receivable	39,473	44,244
Deposits	8,742,601	8,873,467
Accrued interest payable	16,915	11,288
Borrowed funds	60,000	50,000
Subordinated debt	110,064	109,765
Estimated Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	516,217	399,237
Available for sale securities	1,691,752	1,395,680
Loans held for investment, net of allowance	7,372,439	7,627,962
Accrued interest receivable	39,473	44,244
Deposits	8,746,359	8,866,645
Accrued interest payable	16,915	11,288
Borrowed funds	60,000	50,000
Subordinated debt	107,956	109,390
Estimated Fair Value | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	516,217	399,237
Available for sale securities	0	0
Loans held for investment, net of allowance	0	0
Accrued interest receivable	470	118
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	1,691,752	1,395,680
Loans held for investment, net of allowance	0	0
Accrued interest receivable	7,427	6,716
Deposits	8,746,359	8,866,645
Accrued interest payable	16,915	11,288
Borrowed funds	60,000	50,000
Subordinated debt	107,956	109,390
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	7,372,439	7,627,962
Accrued interest receivable	31,576	37,410
Deposits	0	0
Accrued interest payable	0	0
Borrowed funds	0	0
Subordinated debt	0	0
Available for sale securities	$ 1,691,752	$ 1,395,680

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, 2024	Dec. 31, 2023
Financial assets
Fair Value	$ 1,691,752	$ 1,395,680
U.S. government and agency securities
Financial assets
Fair Value	277,519	297,418
Municipal securities
Financial assets
Fair Value	198,993	204,059
Agency mortgage-backed pass-through securities
Financial assets
Fair Value	463,447	387,873
Agency collateralized mortgage obligations
Financial assets
Fair Value	645,040	398,117
Corporate bonds and other
Financial assets
Fair Value	106,753	108,213
Recurring Basis
Financial assets
Total fair value of financial assets	1,696,190	1,402,392
Financial liabilities
Total fair value of financial liabilities	4,420	6,692
Recurring Basis | Interest rate swaps
Financial liabilities
Interest rate swaps	4,420	6,692
Recurring Basis | Level 1
Financial assets
Total fair value of financial assets	0	0
Financial liabilities
Total fair value of financial liabilities	0	0
Recurring Basis | Level 1 | Interest rate swaps
Financial liabilities
Interest rate swaps	0	0
Recurring Basis | Level 2
Financial assets
Total fair value of financial assets	1,696,172	1,402,372
Financial liabilities
Total fair value of financial liabilities	4,420	6,692
Recurring Basis | Level 2 | Interest rate swaps
Financial liabilities
Interest rate swaps	4,420	6,692
Recurring Basis | Level 3
Financial assets
Total fair value of financial assets	18	20
Financial liabilities
Total fair value of financial liabilities	0	0
Recurring Basis | Level 3 | Interest rate swaps
Financial liabilities
Interest rate swaps	0	0
Recurring Basis | U.S. government and agency securities
Financial assets
Fair Value	277,519	297,418
Recurring Basis | U.S. government and agency securities | Level 1
Financial assets
Fair Value	0	0
Recurring Basis | U.S. government and agency securities | Level 2
Financial assets
Fair Value	277,519	297,418
Recurring Basis | U.S. government and agency securities | Level 3
Financial assets
Fair Value	0	0
Recurring Basis | Municipal securities
Financial assets
Fair Value	198,993	204,059
Recurring Basis | Municipal securities | Level 1
Financial assets
Fair Value	0	0
Recurring Basis | Municipal securities | Level 2
Financial assets
Fair Value	198,993	204,059
Recurring Basis | Municipal securities | Level 3
Financial assets
Fair Value	0	0
Recurring Basis | Agency mortgage-backed pass-through securities
Financial assets
Fair Value	463,447	387,873
Recurring Basis | Agency mortgage-backed pass-through securities | Level 1
Financial assets
Fair Value	0	0
Recurring Basis | Agency mortgage-backed pass-through securities | Level 2
Financial assets
Fair Value	463,447	387,873
Recurring Basis | Agency mortgage-backed pass-through securities | Level 3
Financial assets
Fair Value	0	0
Recurring Basis | Agency collateralized mortgage obligations
Financial assets
Fair Value	645,040	398,117
Recurring Basis | Agency collateralized mortgage obligations | Level 1
Financial assets
Fair Value	0	0
Recurring Basis | Agency collateralized mortgage obligations | Level 2
Financial assets
Fair Value	645,040	398,117
Recurring Basis | Agency collateralized mortgage obligations | Level 3
Financial assets
Fair Value	0	0
Recurring Basis | Corporate bonds and other
Financial assets
Fair Value	106,753	108,213
Recurring Basis | Corporate bonds and other | Level 1
Financial assets
Fair Value	0	0
Recurring Basis | Corporate bonds and other | Level 2
Financial assets
Fair Value	106,753	108,213
Recurring Basis | Corporate bonds and other | Level 3
Financial assets
Fair Value	0	0
Recurring Basis | Interest rate swaps
Financial assets
Fair Value	4,420	6,692
Recurring Basis | Interest rate swaps | Level 1
Financial assets
Fair Value	0	0
Recurring Basis | Interest rate swaps | Level 2
Financial assets
Fair Value	4,420	6,692
Recurring Basis | Interest rate swaps | Level 3
Financial assets
Fair Value	0	0
Recurring Basis | Credit risk participation agreements
Financial assets
Fair Value	18	20
Recurring Basis | Credit risk participation agreements | Level 1
Financial assets
Fair Value	0	0
Recurring Basis | Credit risk participation agreements | Level 2
Financial assets
Fair Value	0	0
Recurring Basis | Credit risk participation agreements | Level 3
Financial assets
Fair Value	$ 18	$ 20

FAIR VALUE - Assets Measured at

FAIR VALUE - Assets Measured at Fair Value on a Nonrecurring Basis (Details) - Nonrecurring Basis - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Branch assets held for sale		$ 2,033
Total fair value of financial assets	$ 0	2,033
Level 1 | Commercial real estate construction and land development
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans	0	0
Level 1 | 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 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)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans	0	0
Level 1 | Consumer and other
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans	0	0
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Branch assets held for sale		0
Total fair value of financial assets	0	0
Level 2 | Commercial real estate construction and land development
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans	0	0
Level 2 | 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 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)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans	0	0
Level 2 | Consumer and other
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans	0	0
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Branch assets held for sale		0
Total fair value of financial assets	22,747	27,870
Level 3 | Commercial real estate construction and land development
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans	3,333	6,654
Level 3 | 1-4 family residential (including home equity)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans	3,985	3,892
Level 3 | Commercial and industrial
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans	11,882	10,084
Level 3 | Commercial real estate (including multi-family residential)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans	3,447	7,134
Level 3 | Consumer and other
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans	$ 100	$ 106

DEPOSITS - Narrative (Details)

DEPOSITS - Narrative (Details) - USD ($) $ in Millions	Sep. 30, 2024	Dec. 31, 2023
Deposit Liabilities [Abstract]
Time deposits, at or above FDIC insurance limit	$ 572	$ 548.4
Brokered deposits	$ 649.4	$ 615.9

DEPOSITS - Time Deposits by Mat

DEPOSITS - Time Deposits by Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Deposit Liabilities [Abstract]
2024	$ 569,675
2025	812,861
2026	91,606
2027	71,449
Thereafter	41,807
Total	$ 1,587,398	$ 1,529,876

DERIVATIVE INSTRUMENTS - Narrat

DERIVATIVE INSTRUMENTS - Narrative (Details)	9 Months Ended	12 Months Ended
	Sep. 30, 2024 interest_rate_swap creditAgreement	Dec. 31, 2023 interest_rate_swap creditAgreement
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Number of interest rate swap agreements outstanding | interest_rate_swap	9	15
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	9 Months Ended	12 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
Interest Rate Swap With Financial Institutions One | Other assets
Derivative Instruments Gain Loss [Line Items]
Notional Amounts	$ 66,101	$ 104,930
Fair Value, Asset	$ 4,218	$ 6,367
Weighted Average Maturity (Years)	5 years 10 months 24 days	4 years 6 months 3 days
Interest Rate Swap With Financial Institutions One | Other assets | Minimum
Derivative Instruments Gain Loss [Line Items]
Fixed Rate	3.50%	3.25%
Floating Rate	2.50%	2.50%
Interest Rate Swap With Financial Institutions One | Other assets | Maximum
Derivative Instruments Gain Loss [Line Items]
Fixed Rate	5.40%	5.58%
Floating Rate	3%	3%
Interest Rate Swap With Financial Institutions One | Other liabilities
Derivative Instruments Gain Loss [Line Items]
Notional Amounts		$ 4,875
Fair Value, Liability		$ (30)
Fixed Rate		6.25%
Floating Rate		2.50%
Weighted Average Maturity (Years)		4 years 14 days
Interest Rate Swap With Financial Institutions Two | Other assets
Derivative Instruments Gain Loss [Line Items]
Notional Amounts	$ 4,818	$ 4,911
Fair Value, Asset	$ 202	$ 295
Fixed Rate	4.99%	4.99%
Weighted Average Maturity (Years)	3 years 2 months 12 days	3 years 11 months 15 days
Interest Rate Swaps With Customers | Other assets
Derivative Instruments Gain Loss [Line Items]
Notional Amounts		$ 4,875
Fair Value, Asset		$ 30
Fixed Rate		6.25%
Floating Rate		2.50%
Weighted Average Maturity (Years)		4 years 14 days
Interest Rate Swaps With Customers | Other liabilities
Derivative Instruments Gain Loss [Line Items]
Notional Amounts	$ 4,818	$ 4,911
Fair Value, Liability	$ (202)	$ (295)
Fixed Rate	4.99%	4.99%
Weighted Average Maturity (Years)	3 years 2 months 12 days	3 years 11 months 15 days
Interest Rate Swap With Customers Two | Other liabilities
Derivative Instruments Gain Loss [Line Items]
Notional Amounts	$ 66,101	$ 104,930
Fair Value, Liability	$ (4,218)	$ (6,367)
Weighted Average Maturity (Years)	5 years 11 months 1 day	4 years 6 months 3 days
Interest Rate Swap With Customers Two | Other liabilities | Minimum
Derivative Instruments Gain Loss [Line Items]
Fixed Rate	3.50%	3.25%
Floating Rate	2.50%	2.50%
Interest Rate Swap With Customers Two | Other liabilities | Maximum
Derivative Instruments Gain Loss [Line Items]
Fixed Rate	5.40%	5.58%
Floating Rate	3%	3%
Credit Risk Participation Agreement With Financial Institution | Other assets
Derivative Instruments Gain Loss [Line Items]
Notional Amounts	$ 20,138	$ 20,758
Fair Value, Asset	$ 18	$ 20
Floating Rate	2.50%	2.50%
Weighted Average Maturity (Years)	6 years 6 months 25 days	7 years 3 months 29 days
Credit Risk Participation Agreement With Financial Institution | Other assets | Minimum
Derivative Instruments Gain Loss [Line Items]
Fixed Rate	3.50%	3.50%
Credit Risk Participation Agreement With Financial Institution | Other assets | Maximum
Derivative Instruments Gain Loss [Line Items]
Fixed Rate	5.40%	5.40%

BORROWINGS AND BORROWING CAPA_3

BORROWINGS AND BORROWING CAPACITY (Details) - USD ($)	Dec. 13, 2022	Sep. 30, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Letters of credit, outstanding amount		$ 1,060,000,000	$ 1,820,000,000
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 (as a percent)	0.250
Leverage ratio (as a percent)	0.070
Federal Home Loan Bank of Dallas
Debt Instrument [Line Items]
Maximum borrowing capacity		2,980,000,000
Remaining borrowing capacity		1,860,000,000
Outstanding amount		1,120,000,000
Letters of credit, outstanding amount		1,060,000,000
Federal Home Loan Bank of Dallas | Federal Home Loan Bank Advances
Debt Instrument [Line Items]
Federal Home Loan Bank, advances		$ 60,000,000
Weighted average interest rate (as a percent)		5.15%
Federal Home Loan Bank of Dallas | Weighted Average | Federal Home Loan Bank Advances
Debt Instrument [Line Items]
Federal Home Loan Bank, advances, interest rate (as a percent)	3.50%

BORROWINGS AND BORROWING CAPA_4

BORROWINGS AND BORROWING CAPACITY - Scheduled Principal Maturities (Details) - Federal Home Loan Bank of Dallas $ in Thousands	Sep. 30, 2024 USD ($)
Debt Instrument [Line Items]
2024	$ 27,850
2025	426,065
2026	57,300
2027	402,500
Thereafter	145,000
Total	$ 1,058,715

SUBORDINATED DEBT - Narrative (

SUBORDINATED DEBT - Narrative (Details) - USD ($) $ in Millions	1 Months Ended		9 Months Ended
	Sep. 30, 2019	Dec. 31, 2017	Sep. 30, 2024
Subordinated Notes | Fixed-to-Floating Rate Subordinated Notes
Subordinated Borrowing [Line Items]
Debt instrument, face amount	$ 60	$ 40
Redemption price (as a percent)	100%	100%
Stated percentage	4.70%
Basis spread on variable rate (as a percent)	3.13%
F&M Bancshares. Inc. | Junior Subordinated Debt
Subordinated Borrowing [Line Items]
Debentures, period over which company may defer interest payments (in years)			5 years

SUBORDINATED DEBT - Summary of

SUBORDINATED DEBT - Summary of Pertinent Information Related to Junior Subordinated Debentures (Details) $ in Thousands	Sep. 30, 2024 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 III
Subordinated Borrowing [Line Items]
Trust Preferred Securities Outstanding	3,500
Junior Subordinated Debenture Owed to Trust	$ 3,609

INCOME TAXES (Details)

INCOME TAXES (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Income Tax Disclosure [Abstract]
Income tax expense	$ 8,837,000	$ 7,445,000	$ 23,388,000	$ 24,825,000
Effective income tax rate reconciliation (as a percent)	20.70%	19.40%	20.70%	19.40%
Uncertain tax positions and interest or penalties	$ 0	$ 0	$ 0	$ 0

STOCK BASED COMPENSATION - Narr

STOCK BASED COMPENSATION - Narrative (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Oct. 01, 2022
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)	809,077		809,077
Share-based compensation expense	$ 3	$ 2.8	$ 8.6	$ 8.2
Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation cost	9.2		$ 9.2
Weighted average period over which unrecognized compensation (in years)			1 year 10 months 9 days
Share awards granted (in shares)			311,000
Restricted Stock | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period (in years)			2 years
Restricted Stock | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period (in years)			3 years
Performance Share Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period (in years)			3 years
Weighted average period over which unrecognized compensation (in years)			1 year 10 months 20 days
Share awards granted (in shares)			77,624
Unrecognized compensation expense	$ 3		$ 3

STOCK BASED COMPENSATION - Stoc

STOCK BASED COMPENSATION - Stock Option Plans Activity (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
Number of Options
Options outstanding, beginning balance (in shares)	258
Options granted (in shares)	0
Options exercised (in shares)	(94)
Options forfeited (in shares)	(6)
Options outstanding, ending balance (in shares)	158	258
Number of options vested and exercisable (in shares)	158
Weighted- Average Exercise Price
Options outstanding, beginning balance (in dollars per share)	$ 18.56
Options granted (in dollars per share)	0
Options exercised (in dollars per share)	15.80
Options forfeited (in dollars per share)	19.89
Options outstanding, ending balance (in dollars per share)	20.17	$ 18.56
Weighted Average Exercise Price, Options vested and exercisable (in dollars per share)	$ 20.17
Weighted Average Remaining Contractual Term and Aggregate Intrinsic Value
Weighted Average Remaining Contractual Term, Options outstanding	2 years	2 years 1 month 2 days
Weighted Average Remaining Contractual Term, Options vested and exercisable	2 years
Aggregate Intrinsic Value, Options outstanding	$ 937	$ 2,398
Aggregate Intrinsic Value, Options vested and exercisable	$ 937

STOCK BASED COMPENSATION - Summ

STOCK BASED COMPENSATION - Summary of Restricted Stock Activity (Details) - Restricted Stock shares in Thousands	9 Months Ended
	Sep. 30, 2024 $ / shares shares
Number of Shares
Nonvested share awards outstanding, beginning balance (in shares) | shares	458
Share awards granted (in shares) | shares	311
Share awards vested (in shares) | shares	(87)
Unvested share awards forfeited or cancelled (in shares) | shares	(60)
Nonvested share awards outstanding, ending balance (in shares) | shares	622
Weighted- Average Grant Date Fair Value
Nonvested share awards outstanding, beginning balance (in dollars per share) | $ / shares	$ 29.38
Share awards granted (in dollars per share) | $ / shares	23.17
Share awards vested (in dollars per share) | $ / shares	25.16
Unvested share awards forfeited or cancelled (in dollars per share) | $ / shares	25.74
Nonvested share awards outstanding, ending balance (in dollars per share) | $ / shares	$ 27.22

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, 2024	Dec. 31, 2023
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Fixed Rate	$ 333,852	$ 383,215
Variable Rate	1,411,183	1,447,460
Commitments to extend credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Fixed Rate	317,444	367,068
Variable Rate	1,385,830	1,425,946
Standby letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Fixed Rate	16,408	16,147
Variable Rate	$ 25,353	$ 21,514

OFF-BALANCE SHEET ARRANGEMENT_4

OFF-BALANCE SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES - Narrative (Details) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Letters of credit, outstanding amount	$ 1,060	$ 1,820
Off-balance-sheet fixed rate loan commitments, weighted average maturity (in years)	2 years 1 month 9 days
Minimum
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance-sheet fixed rate loan commitments, interest rate (as a percent)	2.08%
Maximum
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance-sheet fixed rate loan commitments, interest rate (as a percent)	13.50%
Weighted Average
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance-sheet fixed rate loan commitments, interest rate (as a percent)	7.19%

REGULATORY CAPITAL MATTERS - Ac

REGULATORY CAPITAL MATTERS - Actual and Required Capital (Details) $ in Thousands	Sep. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)
Total Capital
Capital	$ 1,306,505	$ 1,221,060
Capital to Risk Weighted Assets (as a percent)	0.1591	0.1402
Capital Required for Capital Adequacy	$ 656,980	$ 696,529
Capital Required for Capital Adequacy to Risk Weighted Assets (as a percent)	0.0800	0.0800
Plus Capital Conservation Buffer	$ 862,286	$ 914,195
Plus Capital Conservation Buffer to Risk Weighted Assets (as a percent)	0.1050	0.1050
Common Equity Tier 1 Capital
Common Equity Tier 1 Risk Based Capital	$ 1,118,625	$ 1,025,076
Common Equity Tier 1 Risk Based Capital to Risk Weighted Assets (as a percent)	0.1362	0.1177
Common Equity Tier 1 Risk Based Capital Required for Capital Adequacy	$ 369,551	$ 391,798
Common Equity Tier 1 Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets (as a percent)	0.0450	0.0450
Plus Common Equity Tier 1 Risk Based Capital	$ 574,858	$ 604,463
Plus Common Equity Tier 1 Risk Based Capital to Risk Weighted Assets (as a percent)	0.0700	0.0700
Tier 1 Capital (to risk-weighted assets)
Tier 1 Risk Based Capital	$ 1,128,523	$ 1,034,974
Tier 1 Risk Based Capital to Risk Weighted Assets (as a percent)	0.1374	0.1189
Tier 1 Risk Based Capital Required for Capital Adequacy	$ 492,735	$ 522,397
Tier 1 Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets (as a percent)	0.0600	0.0600
Plus Tier 1 Risk Based Capital	$ 698,041	$ 740,062
Plus Tier 1 Risk Based Capital to Risk Weighted Assets (as a percent)	0.0850	0.0850
Tier 1 Leverage (to average tangible assets)
Tier 1 Leverage Capital	$ 1,128,523	$ 1,034,974
Tier 1 Leverage Capital to Average Assets (as a percent)	0.1125	0.1018
Tier 1 Leverage Capital Required for Capital Adequacy	$ 401,233	$ 406,859
Tier 1 Leverage Capital Required for Capital Adequacy to Average Assets (as a percent)	0.0400	0.0400
Plus Tier 1 Leverage Capital	$ 401,233	$ 406,859
Plus Tier 1 Leverage Capital to Average Assets (as a percent)	0.0400	0.0400
Stellar Bank
Total Capital
Capital	$ 1,235,560	$ 1,186,710
Capital to Risk Weighted Assets (as a percent)	0.1507	0.1365
Capital Required for Capital Adequacy	$ 655,963	$ 695,746
Capital Required for Capital Adequacy to Risk Weighted Assets (as a percent)	0.0800	0.0800
Plus Capital Conservation Buffer	$ 860,351	$ 913,167
Plus Capital Conservation Buffer to Risk Weighted Assets (as a percent)	0.1050	0.1050
Capital Required to be Well Capitalized	$ 819,954	$ 869,683
Capital Required to be Well Capitalized to Risk Weighted Assets (as a percent)	0.1000	0.1000
Common Equity Tier 1 Capital
Common Equity Tier 1 Risk Based Capital	$ 1,117,621	$ 1,060,624
Common Equity Tier 1 Risk Based Capital to Risk Weighted Assets (as a percent)	0.1363	0.1220
Common Equity Tier 1 Risk Based Capital Required for Capital Adequacy	$ 368,979	$ 391,357
Common Equity Tier 1 Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets (as a percent)	0.0450	0.0450
Plus Common Equity Tier 1 Risk Based Capital	$ 573,968	$ 608,778
Plus Common Equity Tier 1 Risk Based Capital to Risk Weighted Assets (as a percent)	0.0700	0.0700
Common Equity Tier 1 Risk Based Capital Required to be Well Capitalized	$ 532,970	$ 565,294
Common Equity Tier 1 Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets (as a percent)	0.0650	0.0650
Tier 1 Capital (to risk-weighted assets)
Tier 1 Risk Based Capital	$ 1,117,621	$ 1,060,624
Tier 1 Risk Based Capital to Risk Weighted Assets (as a percent)	0.1363	0.1220
Tier 1 Risk Based Capital Required for Capital Adequacy	$ 491,972	$ 521,810
Tier 1 Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets (as a percent)	0.0600	0.0600
Plus Tier 1 Risk Based Capital	$ 696,961	$ 739,231
Plus Tier 1 Risk Based Capital to Risk Weighted Assets (as a percent)	0.0850	0.0850
Tier 1 Risk Based Capital Required to be Well Capitalized	$ 655,963	$ 695,746
Tier 1 Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets (as a percent)	0.0800	0.0800
Tier 1 Leverage (to average tangible assets)
Tier 1 Leverage Capital	$ 1,117,621	$ 1,060,624
Tier 1 Leverage Capital to Average Assets (as a percent)	0.1116	0.1044
Tier 1 Leverage Capital Required for Capital Adequacy	$ 400,711	$ 406,453
Tier 1 Leverage Capital Required for Capital Adequacy to Average Assets (as a percent)	0.0400	0.0400
Plus Tier 1 Leverage Capital	$ 400,711	$ 406,453
Plus Tier 1 Leverage Capital to Average Assets (as a percent)	0.0400	0.0400
Tier 1 Leverage Capital Required to be Well Capitalized	$ 500,889	$ 508,066
Tier 1 Leverage Capital Required to be Well Capitalized to Average Assets (as a percent)	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, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Earnings Per Share [Abstract]
Net income attributable to shareholders	$ 33,891	$ 30,908	$ 89,791	$ 103,231
Basic:
Weighted average shares outstanding (in shares)	53,541	53,313	53,485	53,211
Weighted average shares outstanding (in dollars per share)	$ 0.63	$ 0.58	$ 1.68	$ 1.94
Add incremental shares for:
Dilutive effect of stock option exercises and performance share units (in shares)	39	67	46	89
Total (in shares)	53,580	53,380	53,531	53,300
Total (in dollars per share)	$ 0.63	$ 0.58	$ 1.68	$ 1.94

EARNINGS PER COMMON SHARE - Nar

EARNINGS PER COMMON SHARE - Narrative (Details) - shares	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
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)	20,848	28,372