BankUnited (BKU) 10-K 28 Feb 25 2024 FY Annual report Financial data

Cover Page

Cover Page - USD ($)	12 Months Ended
	Dec. 31, 2024	Feb. 26, 2025	Jun. 30, 2024
Document Information [Line Items]
Document Type	10-K
Document Annual Report	true
Document Transition Report	false
Document Period End Date	Dec. 31, 2024
Entity File Number	001-35039
Entity Registrant Name	BankUnited, Inc.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	27-0162450
Entity Address, Address Line One	14817 Oak Lane
Entity Address, City or Town	Miami Lakes
Entity Address, State or Province	FL
Entity Address, Postal Zip Code	33016
City Area Code	305
Local Phone Number	569-2000
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Emerging Growth Company	false
Entity Small Business	false
Entity Shell Company	false
Entity Common Stock Shares Outstanding		74,751,086
Entity Central Index Key	0001504008
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	FY
Amendment Flag	false
Current Fiscal Year End Date	--12-31
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction [Flag]	false
Entity Public Float			$ 2,158,931,046
NEW YORK STOCK EXCHANGE, INC.
Document Information [Line Items]
Title of 12(b) Security	Common Stock, $0.01 Par Value
Trading Symbol	BKU
Security Exchange Name	NYSE

Audit Information

Audit Information	12 Months Ended
	Dec. 31, 2024
Audit Information [Abstract]
Auditor Name	Deloitte and Touche LLP
Auditor Location	Miami, FL
Auditor Firm ID	34

Cover

Cover	12 Months Ended
	Dec. 31, 2024
Cover [Abstract]
Documents Incorporated by Reference	DOCUMENTS INCORPORATED BY REFERENCE: Portions of the registrant's definitive proxy statement for the 2025 annual meeting of stockholders are incorporated by reference in this Annual Report on Form 10-K in response to Part II. Item 5 and Part III. Items 10, 11, 12, 13 and 14.

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Cash and due from banks:
Non-interest bearing	$ 12,078	$ 14,945
Interest bearing	479,038	573,338
Cash and cash equivalents	491,116	588,283
Investment securities (including securities reported at fair value of $9,130,244 and $8,867,354)	9,130,244	8,877,354
Non-marketable equity securities	206,297	310,084
Loans	24,297,980	24,633,684
Allowance for credit losses	(223,153)	(202,689)
Loans, net	24,074,827	24,430,995
Bank owned life insurance	284,570	318,459
Operating lease equipment, net	223,844	371,909
Goodwill	77,637	77,637
Other assets	753,207	786,886
Total assets	35,241,742	35,761,607
Demand deposits:
Non-interest bearing	7,616,182	6,835,236
Interest bearing	4,892,814	3,403,539
Savings and money market	11,055,418	11,135,708
Time	4,301,289	5,163,995
Total deposits	27,865,703	26,538,478
FHLB advances	2,930,000	5,115,000
Notes and other borrowings	708,553	708,973
Other liabilities	923,168	821,235
Total liabilities	32,427,424	33,183,686
Commitments and contingencies
Stockholders' equity:
Common Stock, Value, Issued	747	744
Paid-in capital	301,672	283,642
Retained earnings	2,796,440	2,650,956
Accumulated other comprehensive loss	(284,541)	(357,421)
Total stockholders' equity	2,814,318	2,577,921
Total liabilities and stockholders' equity	35,241,742	35,761,607
Interest income on loans
Cash and due from banks:
Allowance for credit losses	$ (223,153)	$ (202,689)

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
ASSETS
Investment securities recorded at fair value	$ 9,130,244	$ 8,867,354
Stockholders' equity:
Common stock, par value (in Dollars per Share)	$ 0.01	$ 0.01
Common stock, shares authorized (in Shares)	400,000,000	400,000,000
Common stock, shares issued (in Shares)	74,748,370	74,372,505
Common stock, shares outstanding (in Shares)	74,748,370	74,372,505

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Interest income:
Loans	$ 1,389,897	$ 1,318,217	$ 934,642
Investment securities	497,666	488,212	280,100
Other	37,553	51,152	15,709
Total interest income	1,925,116	1,857,581	1,230,451
Interest expense:
Deposits	815,572	660,305	179,972
Borrowings	195,278	323,472	137,519
Total interest expense	1,010,850	983,777	317,491
Net interest income before provision for credit losses	914,266	873,804	912,960
Provision for credit losses	55,072	87,607	75,154
Net interest income after provision for credit losses	859,194	786,197	837,806
Non-interest income:
Deposit service charges and fees	20,226	20,906	22,510
Gain (loss) on investment securities, net	2,127	(10,052)	(15,805)
Lease financing	30,610	45,882	54,111
Other non-interest income	46,192	30,102	16,820
Total non-interest income	99,155	86,838	77,636
Non-interest expense:
Employee compensation and benefits	315,604	280,744	265,548
Occupancy and equipment	45,560	43,345	45,400
Deposit insurance expense	36,143	66,747	17,999
Professional fees	17,110	14,184	11,730
Technology	82,978	79,984	77,103
Depreciation of operating lease equipment	26,127	44,446	50,388
Other non-interest expense	118,478	106,501	72,142
Total non-interest expense	642,000	635,951	540,310
Income before income taxes	316,349	237,084	375,132
Provision for income taxes	83,882	58,413	90,161
Net income	$ 232,467	$ 178,671	$ 284,971
Earnings per common share, basic (in dollars per share)	$ 3.10	$ 2.39	$ 3.55
Earnings per common share, diluted	$ 3.08	$ 2.38	$ 3.54

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Statement of Comprehensive Income [Abstract]
Net income	$ 232,467	$ 178,671	$ 284,971
Unrealized gains (losses) on investment securities available for sale:
Net unrealized holding gains (losses) arising during the period	(96,380)	(104,508)	498,864
Reclassification adjustment for net gains realized in income	(795)	(1,343)	(2,906)
Net change in unrealized gains (losses) on securities available for sale	95,585	103,165	(501,770)
Unrealized gains (losses) on derivative instruments:
Net unrealized holding gains arising during the period	23,453	25,966	79,871
Reclassification adjustment for net gains realized in income	(46,158)	(48,647)	(66)
Net change in unrealized gains (losses) on derivative instruments	(22,705)	(22,681)	79,805
Other comprehensive income (loss)	72,880	80,484	(421,965)
Comprehensive income (loss)	$ 305,347	$ 259,155	$ (136,994)

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Cash flows from operating activities:
Net income	$ 232,467	$ 178,671	$ 284,971
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization and accretion, net	(15,752)	(13,309)	(7,978)
Provision for credit losses	55,072	87,607	75,154
(Gain) loss on investment securities, net	(2,127)	10,052	15,805
Share based compensation	21,573	19,628	20,940
Depreciation and amortization	60,112	74,060	77,623
Deferred income taxes	(43,927)	(46,832)	1,437
Proceeds from sale of loans held for sale, net	130,979	317,663	423,893
Daily cash settlement of derivative instruments, net	(25,257)	(74,477)	182,193
Other:
Decrease in other assets	9,431	14,347	110,209
Increase in other liabilities	11,209	90,086	109,574
Net cash provided by operating activities	433,780	657,496	1,293,821
Cash flows from investing activities:
Purchases of investment securities	(2,416,708)	(405,480)	(2,974,352)
Proceeds from repayments and calls of investment securities	1,951,954	1,036,517	1,784,484
Proceeds from sale of investment securities	435,003	371,777	798,205
Purchases of non-marketable equity securities	(330,600)	(544,887)	(471,763)
Proceeds from redemption of non-marketable equity securities	434,387	528,975	313,450
Purchases of loans	(366,197)	(493,291)	(2,283,134)
Loan originations and repayments, net	431,792	377,863	613,767
Proceeds from sale of loans	119,000	38,765	88,103
Proceeds from Life Insurance Policy	55,410	0	0
Disposition of operating lease equipment	148,313	100,328	52,240
Other investing activities	(52,640)	(29,993)	(41,400)
Net cash provided by (used in) investing activities	409,714	980,574	(2,120,400)
Cash flows from financing activities:
Net increase (decrease) in deposits	1,327,225	(970,856)	(1,928,768)
Net decrease in federal funds purchased	0	(190,000)	(9,000)
Additions to FHLB borrowings	875,000	3,425,000	4,650,000
Repayments of FHLB borrowings	(3,060,000)	(3,730,000)	(1,135,000)
Dividends paid	(85,513)	(79,091)	(79,443)
Repurchase of common stock	0	(55,154)	(401,288)
Other financing activities	2,627	(22,333)	(12,132)
Net cash provided by (used in) financing activities	(940,661)	(1,622,434)	1,084,369
Net increase (decrease) in cash and cash equivalents	(97,167)	15,636	257,790
Cash and cash equivalents, beginning of period	588,283	572,647	314,857
Cash and cash equivalents, end of period	491,116	588,283	572,647
Supplemental Cash Flow Information [Abstract]
Interest paid	1,031,997	950,476	294,144
Income taxes paid (refunded), net	101,773	48,782	(109,069)
Supplemental schedule of non-cash investing and financing activities:
Transfers from loans to loans held for sale	250,338	361,382	514,565
Transfers from operating lease equipment to equipment held for sale	0	20,699	0
Dividends declared, not paid	22,176	20,706	19,346
Unsettled securities trades, net	100,038	0	0
Obligations incurred in acquisition of affordable housing limited partnerships	$ 20,000	$ 20,000	$ 65,000

CONSOLIDATED STATEMENTS OF STOC

CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY - USD ($) $ in Thousands	Total	Cumulative Effect, Period of Adoption, Adjustment	Cumulative Effect, Period of Adoption, Adjusted Balance	Common Stock	Common Stock Cumulative Effect, Period of Adoption, Adjusted Balance	Paid-in Capital	Paid-in Capital Cumulative Effect, Period of Adoption, Adjusted Balance	Retained Earnings	Retained Earnings Cumulative Effect, Period of Adoption, Adjustment	Retained Earnings Cumulative Effect, Period of Adoption, Adjusted Balance	Accumulated Other Comprehensive Loss	Accumulated Other Comprehensive Loss Cumulative Effect, Period of Adoption, Adjusted Balance
Shares, Outstanding, Beginning Balance at Dec. 31, 2021				85,647,986
Balance at Dec. 31, 2021			$ 3,037,761		$ 856		$ 707,503			$ 2,345,342		$ (15,940)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Comprehensive income	$ (136,994)							$ 284,971			$ (421,965)
Dividends	(78,913)							(78,913)
Equity based compensation, net of shares forfeited and surrendered (in shares)				281,380
Equity based compensation, net of shares forfeited and surrendered	15,415			$ 4		$ 15,411
Repurchase of common stock (in shares)				(10,254,779)
Repurchase of common stock	(401,288)			$ (103)		(401,185)
Balance (in Shares) at Dec. 31, 2022				75,674,587
Balance at Dec. 31, 2022	2,435,981	$ 1,336	$ 2,437,317	$ 757	$ 757	321,729	$ 321,729	2,551,400	$ 1,336	$ 2,552,736	(437,905)	$ (437,905)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Comprehensive income	259,155							178,671			80,484
Dividends	(80,451)							(80,451)
Equity based compensation, net of shares forfeited and surrendered (in shares)				332,163
Equity based compensation, net of shares forfeited and surrendered	17,054			$ 3		17,051
Repurchase of common stock (in shares)				(1,634,245)
Repurchase of common stock	(55,154)			$ (16)		(55,138)
Balance (in Shares) at Dec. 31, 2023				74,372,505
Balance at Dec. 31, 2023	2,577,921			$ 744		283,642		2,650,956			(357,421)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Comprehensive income	305,347							232,467			72,880
Dividends	(86,983)							(86,983)
Equity based compensation, net of shares forfeited and surrendered (in shares)				375,865
Equity based compensation, net of shares forfeited and surrendered	18,033			$ 3		18,030
Balance (in Shares) at Dec. 31, 2024				74,748,370
Balance at Dec. 31, 2024	$ 2,814,318			$ 747		$ 301,672		$ 2,796,440			$ (284,541)

CONSOLIDATED STATEMENTS OF ST_2

CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Statement of Stockholders' Equity [Abstract]
Common stock dividends declared (in dollars per share)	$ 1.16	$ 1.08	$ 1

Basis of Presentation and Summa

Basis of Presentation and Summary of Significant Accounting Policies Basis of Presentation (Notes)	12 Months Ended
	Dec. 31, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Presentation and Summary of Significant Accounting Policies	Note 1 Basis of Presentation and Summary of Significant Accounting Policies BankUnited, Inc. is a bank holding company with one wholly-owned subsidiary, BankUnited, collectively, the Company. BankUnited, a national banking association headquartered in Miami Lakes, Florida, provides a full range of commercial lending and both commercial and consumer deposit services through banking centers located in the state of Florida, the New York metropolitan area and Dallas, Texas, and a comprehensive suite of commercial lending and deposit products through an Atlanta office focused on the Southeast region. BankUnited also offers certain commercial lending and deposit products through national platforms. The consolidated financial statements have been prepared in accordance with GAAP and prevailing practices in the banking industry. Accounting Estimates In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenues, expenses and disclosures of contingent assets and liabilities. Actual results could differ significantly from these estimates. The most significant estimate impacting the Company's consolidated financial statements is the ACL. Principles of Consolidation The consolidated financial statements include the accounts of BankUnited, Inc. and its wholly-owned subsidiary. All significant intercompany balances and transactions have been eliminated in consolidation. VIEs are consolidated if the Company is the primary beneficiary; i.e., has (i) the power to direct the activities of the VIE that most significantly impact the VIE's economic performance and (ii) the obligation to absorb losses or the right to receive benefits that could potentially be significant to the VIE. The Company has variable interests in affordable housing limited partnerships that are not required to be consolidated because the Company is not the primary beneficiary. Fair Value Measurements Certain of the Company's assets and liabilities are reflected in the consolidated financial statements at fair value on either a recurring or non-recurring basis. Investment securities AFS, marketable equity securities and derivative instruments are measured at fair value on a recurring basis. Assets measured at fair value or fair value less cost to sell on a non-recurring basis may include collateral dependent loans, OREO and other repossessed assets, loans held for sale, goodwill and impaired long-lived assets. These non-recurring fair value measurements typically involve lower-of-cost-or-market accounting or the measurement of impairment of certain assets. Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants at the measurement date. GAAP establishes a hierarchy that prioritizes inputs used to determine fair value measurements into three levels based on the observability and transparency of the inputs: • Level 1 inputs are unadjusted quoted prices in active markets that are accessible at the measurement date for identical assets or liabilities. • Level 2 inputs are observable inputs other than level 1 inputs, including quoted prices for similar assets and liabilities, quoted prices for identical assets and liabilities in less active markets and other inputs that can be corroborated by observable market data. • Level 3 inputs are unobservable inputs supported by limited or no market activity or data and inputs requiring significant management judgment or estimation. The fair value hierarchy requires the Company to maximize the use of observable inputs and minimize the use of unobservable inputs in estimating fair value. Unobservable inputs are utilized in determining fair value measurements only to the extent that observable inputs are unavailable. The need to use unobservable inputs generally results from a lack of market liquidity and diminished observability of actual trades or assumptions that would otherwise be available to value a particular asset or liability. Cash and Cash Equivalents Cash and cash equivalents include cash and due from banks, both interest bearing and non-interest bearing, including amounts on deposit at the Federal Reserve Bank. Cash equivalents have original maturities of three months or less. For purposes of reporting cash flows, cash receipts and payments pertaining to FHLB advances with original maturities of three months or less are reported net. Investment Securities Debt securities that the Company has the positive intent and ability to hold to maturity are classified as held to maturity and reported at amortized cost. Debt securities that the Company may not have the intent to hold to maturity are classified as available-for-sale at the time of acquisition and carried at fair value with unrealized gains and losses, net of tax, excluded from earnings and reported in AOCI, a separate component of stockholders' equity. Securities classified as AFS may be used as part of the Company's asset/liability management strategy and may be sold in response to liquidity needs, regulatory changes, changes in interest rates, prepayment risk or other market factors. The Company does not maintain a trading portfolio. Purchase premiums and discounts on debt securities are amortized as adjustments to yield over the expected lives of the securities, using the interest method which results in a constant effective yield. Premiums are amortized to the call date for callable securities. Realized gains and losses from sales of securities are recorded on the trade date and are determined using the specific identification method. The Company's policy on the ACL related to debt securities is discussed below in the section entitled "ACL". Marketable equity securities with readily determinable fair values are reported at fair value with unrealized gains and losses included in earnings. Non-marketable Equity Securities The Bank, as a member of the FRB system and the FHLB, is required to maintain investments in the stock of the FRB and FHLB. No market exists for this stock, and the investment can be liquidated only through redemption by the respective institutions, at the discretion of and subject to conditions imposed by those institutions. The stock has no readily determinable fair value and is carried at cost. Historically, stock redemptions have been at par value, which equals the Company's carrying value. The Company monitors its investment in FHLB stock for impairment through review of recent financial results of the FHLB, including capital adequacy and liquidity position, dividend payment history, redemption history and information from credit agencies. The Company has not identified any indicators of impairment of the FRB or FHLB stock. Loans Held for Sale Loans originated or purchased with the intent to sell are carried at the lower of cost or fair value.. A valuation allowance is established through a charge to earnings if the aggregate fair value of such loans is lower than their cost. Gains or losses recognized upon sale are determined on a specific identification basis. Loans not originated or otherwise acquired with the intent to sell, or loans which have been originated by the Company and subsequently held for sale, are transferred into the held for sale classification at the lower of carrying amount or fair value when they are specifically identified for sale and a formal plan exists to sell them. Loans Loans are reported at amortized cost, net of the ACL. Interest income is accrued based on the principal amount outstanding. Non-refundable loan origination fees, net of direct costs of originating or acquiring loans, as well as purchase premiums and discounts, are deferred and recognized as adjustments to yield over the contractual lives of the related loans using the interest method which results in a constant effective yield. Non-accrual loans Commercial loans are placed on non-accrual status when (i) management has determined that full repayment of all contractual principal and interest is in doubt, or (ii) the loan is past due 90 days or more as to principal or interest unless the loan is well secured and in the process of collection. Residential loans, other than government insured residential loans, are generally placed on non-accrual status when they are 60 days past due. When a loan is placed on non-accrual status, uncollected interest accrued is reversed and charged to interest income. Payments received on non-accrual commercial loans are applied as a reduction of principal. Interest payments are recognized as income on a cash basis on non-accrual residential loans. Commercial loans are returned to accrual status only after all past due principal and interest has been collected and full repayment of remaining contractual principal and interest is reasonably assured. Residential loans are generally returned to accrual status when less than 60 days past due. Past due status of loans is determined based on the contractual next payment due date. Loans less than 30 days past due are reported as current. Contractually delinquent government insured residential loans are not classified as non-accrual due to the nature of the guarantee. Contractually delinquent PCD loans are not classified as non-accrual, as long as the Company has a reasonable expectation about amounts expected to be collected. Troubled Debt Restructurings Prior to the adoption of ASU 2022-02 on January 1, 2023, in certain situations, due to economic or legal reasons related to a borrower's financial difficulties, the Company may have granted a concession to the borrower for other than an insignificant period of time that it would not otherwise have considered. At that time, the related loan was classified as a TDR. The concessions granted may have included rate reductions, principal forgiveness, payment forbearance, extensions of maturity at rates of interest below that commensurate with the risk profile of the loans, modification of payment terms and other actions intended to minimize economic loss. A TDR was generally placed on non-accrual status at the time of the modification unless the borrower was performing prior to the restructuring. PCD assets PCD assets are acquired financial assets that, as of the date of acquisition, have experienced a more than insignificant deterioration in credit quality since origination. An assessment is conducted at acquisition to determine whether acquired financial assets meet the criteria to be classified as PCD assets. That assessment may be conducted at the individual asset level, or for a group of assets acquired together that have similar risk characteristics. At acquisition, the ACL related to PCD assets, representing the estimated amount of the UPB of the assets not expected to be collected, is added to the purchase price to determine the amortized cost basis and any non-credit related discount or premium is allocated to the individual assets acquired. The non-credit related discount or premium is accreted or amortized to interest income over the life of the related assets using the level yield method, as long as there is a reasonable expectation about amounts expected to be collected. Subsequent changes in the amount of expected credit losses are recognized immediately by adjusting the ACL and reflecting the periodic changes as credit loss expense or reversal of credit loss expense. Sales-type and Direct Financing Leases Sales-type and direct financing leases are carried at the aggregate of lease payments receivable and estimated residual value of the leased property, if applicable, less unearned income. Interest income is recognized over the term of the leases to achieve a constant periodic rate of return on the outstanding investment. ACL AFS Debt Securities The Company reviews its AFS debt securities for credit loss impairment at the individual security level at least quarterly. A security is impaired if its fair value is less than its amortized cost basis. A decline in fair value below amortized cost basis represents a credit loss impairment to the extent the Company does not expect to recover the amortized cost basis of the security. Impairment related to credit losses is recorded through the ACL to the extent fair value is less than the amortized cost basis. Declines in fair value that have not been recorded through the ACL are recorded through other comprehensive income, net of tax. In assessing whether an impairment is credit loss related, the Company compares the present value of cash flows expected to be collected to the security's amortized cost basis. If the present value of cash flows expected to be collected is less than the amortized cost basis of the security, a credit loss exists, and an ACL is recorded. The Company discounts expected cash flows at the effective interest rate implicit in the security at the purchase date, adjusted for expected prepayments. For floating rate securities, the Company uses the floating rate as it changes over the life of the security. In developing estimates about cash flows expected to be collected and determining whether a credit loss exists, the Company considers information about past events, current conditions and reasonable and supportable forecasts. Factors and information that the Company uses in making its assessments include, but are not necessarily limited to, the following: • The extent to which fair value is less than amortized cost; • Adverse conditions specifically related to the security, an industry or sector or geographic area; • Changes in the financial condition of the issuer or underlying loan obligors; • The payment structure and remaining payment terms of the security, including levels of subordination or over-collateralization; • Failure of the issuer to make scheduled payments; • Changes in credit ratings; • Relevant market data; • Estimated prepayments, defaults, and the value and performance of underlying collateral at the individual security level. The relative importance assigned to each of these factors varies depending on the facts and circumstances pertinent to the individual security being evaluated. Timely payment of principal and interest on securities issued by the U.S. government, U.S. government agencies and U.S. government sponsored entities is explicitly or implicitly guaranteed by the U.S. government. Therefore, the Company expects to recover the amortized cost basis of these securities. If the Company intends to sell a security in an unrealized loss position, or it is more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis, any allowance for credit losses will be written off and the amortized cost basis will be written down to the debt security’s fair value at the reporting date with any incremental impairment reported in earnings. AFS securities will be charged off to the extent that there is no reasonable expectation of recovery of amortized cost basis. AFS securities will be placed on non-accrual status if the Company does not reasonably expect to receive interest payments in the future and interest accrued will be reversed against interest income. Securities will be returned to accrual status only when collection of interest is reasonably assured. Loans The ACL is a valuation account that is deducted from the amortized cost basis of loans to present the net amount expected to be collected. The ACL is adjusted through the provision for credit losses to the amount of amortized cost basis not expected to be collected, or in the case of PCD loans, the amount of UPB not expected to be collected, at the balance sheet date. Amortized cost basis includes UPB, unamortized premiums or discounts and deferred fees and costs, net of amounts previously charged off. The measurement of expected credit losses encompasses information about historical events, current conditions and reasonable and supportable forecasts. Determining the amount of the ACL is complex and requires extensive judgment by management about matters that are inherently uncertain. Re-evaluation of the ACL estimate in future periods, in light of changes in composition and characteristics of the loan portfolio, changes in the reasonable and supportable forecast and other factors then prevailing may result in material changes in the amount of the ACL and credit loss expense in those future periods. Loans are charged off against the ACL in the period in which they are deemed uncollectible, and recoveries are credited to the ACL when received. Expected recoveries on loans previously charged off and expected to be charged-off, not to exceed the aggregate of amounts previously charged-off and expected to be charged-off, are included in the ACL estimate. For loans secured by residential real estate, an assessment of collateral value is made at no later than 120 days delinquency; any outstanding loan balance in excess of fair value less cost to sell is charged off at no later than 180 days delinquency. Additionally, any outstanding balance in excess of fair value of collateral less cost to sell is charged off (i) within 60 days of receipt of notification of filing from the bankruptcy court, (ii) within 60 days of determination of loss if all borrowers are deceased or (iii) within 90 days of discovery of fraudulent activity. Other consumer loans, which are not significant in the aggregate, are typically charged off at 120 days delinquency. Commercial loans are charged off when, in management's judgment, they are considered to be uncollectible. Expected credit losses are estimated on a collective basis for groups of loans that share similar risk characteristics. Factors that may be considered in aggregating loans for this purpose include but are not necessarily limited to, product or collateral type, industry, geography, internal risk rating, credit characteristics such as credit scores or collateral values, and historical or expected credit loss patterns. For loans that do not share similar risk characteristics with other loans such as collateral dependent loans, expected credit losses are estimated on an individual basis. Expected credit losses are estimated over the contractual terms of the loans, adjusted for expected prepayments. Expected prepayments for commercial loans are generally estimated based on the Company's historical experience. For residential loans, expected prepayments are estimated using a model that incorporates industry prepayment data, calibrated to reflect the Company's experience. The contractual term excludes expected extensions, renewals, and modifications unless the extension or renewal options are included in the original or modified contract at the reporting date and are not unconditionally cancellable by the Company. For the substantial majority of portfolio segments and subsegments, including residential loans other than government insured loans, and most commercial and commercial real estate loans, expected losses are estimated using econometric models. The models employ a factor based methodology, leveraging data sets containing extensive historical loss and recovery information by industry, geography, product type, collateral type and obligor characteristics, to estimate PD and LGD. Measures of PD for commercial loans incorporate current conditions through market cycle or credit cycle adjustments. For residential loans, the models consider FICO, adjusted LTVs and delinquency rates. PDs and LGDs are then conditioned on the reasonable and supportable economic forecast. Projected PDs and LGDs, determined based on pool level characteristics, are applied to estimated exposure at default, considering the contractual term and payment structure of loans, adjusted for expected prepayments, to generate estimates of expected loss. For criticized or classified loans, PDs are adjusted to benchmark PDs established for each risk rating given that the most current financial information available is often not reflective of the borrowers' current financial condition. The ACL estimate incorporates a reasonable and supportable economic forecast through the use of externally developed macroeconomic scenarios applied in the models. The length of the reasonable and supportable forecast period is evaluated at each reporting period and adjusted if deemed necessary. Currently, the Company uses a 2-year reasonable and supportable forecast period in estimating the ACL. After the reasonable and supportable forecast period, the models effectively revert to long-term mean losses on a straight-line basis over 12 months. A single economic scenario or a probability weighted blend of economic scenarios may be used. The models ingest numerous national, regional and MSA level variables and data points. Commercial Real Estate Model Variables with the most significant impact on the commercial real estate model include unemployment at both national and regional levels, the CRE property forecast by property type and sub-market, 10-year treasury yield, Baa corporate yield and real GDP growth, at the national level. Increases in unemployment and yields within the commercial real estate model result in increases in the ACL. Increases in real GDP growth and improvements in the CRE property forecasts reduce the reserve. Commercial Model Variables with the most significant impact on the commercial model include a stock market volatility index, the S&P 500 index, unemployment at both national and regional levels, and a variety of interest rates and spreads. Increases in the unemployment rate, the stock market volatility index, and the Baa corporate yield increase the reserve, while increases in real GDP growth reduce the reserve. Residential Model Variables with the most significant impact on the residential model include HPI and unemployment at regional levels, real GDP growth, and a 30-year mortgage rate. Increases in the unemployment rate and the 30-year mortgage rate increase the reserve, while increases in real GDP growth and HPI reduce the reserve. For certain less material portfolios including loans and leases to state and local government entities originated by Pinnacle, small balance commercial loans and consumer loans, the WARM method is used to estimate expected credit losses. Loss rates are applied to the exposure at default, after factoring in amortization and expected prepayments. For the Pinnacle portfolio, historical loss information is based on municipal historical default and recovery data, segmented by credit rating. For small balance commercial loans, historical loss information is based on the Company's historical loss experience over a five year period. For consumer loans, historical loss information is based on peer data; this portfolio subsegment is not significant. All loss estimates are conditioned as applicable on changes in current conditions and the reasonable and supportable economic forecast. Expected credit losses for the funded portion of mortgage warehouse lines of credit are estimated based primarily on the Company's historical loss experience, conditioned as applicable on changes in current conditions and the reasonable and supportable economic forecast. Generally, given the nature of these loans, losses would be expected to manifest within a very short time period after origination. The Company expects to collect the amortized cost basis of government insured residential loans due to the nature of the government guarantee, so the ACL is zero for these loans. Qualitative factors Quantitative models have certain inherent limitations with respect to estimating expected losses. These limitations may be more prevalent in times of rapidly changing or unprecedented economic conditions and forecasts. Qualitative adjustments are made to the ACL when, based on management’s judgment, there are factors impacting expected credit losses not taken into account by the quantitative calculations. Potential qualitative adjustments are categorized as follows: • Economic factors, including material uncertainties, trends and developments that, in management's judgment, may not have been adequately reflected in the reasonable and supportable economic forecast; • Credit policy and staffing, including the nature and level of policy and procedural exceptions or changes in credit policy not reflected in quantitative results, changes in the quality of underwriting and portfolio management and staff and issues identified by credit review, internal audit or regulators that may not be reflected in quantitative results; • Concentrations, considering whether the quantitative estimate adequately accounts for concentration risk in the portfolio; • Model imprecision and model validation findings; and • Other factors not adequately considered in the quantitative estimate or other qualitative categories identified by management that may materially impact the amount of expected credit losses. Collateral dependent loans Collateral dependent loans are those for which the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. These loans do not typically share similar risk characteristics with other loans and expected credit losses are evaluated on an individual basis. Loans evaluated individually are not included in the collective evaluation. Estimates of expected credit losses for collateral dependent loans, whether or not foreclosure is probable, are based on the fair value of the collateral, adjusted for selling costs when repayment depends on sale of the collateral. Due to immateriality, expected credit losses for collateral dependent commercial relationships with committed balances less than $1.0 million may be estimated collectively. Off-balance sheet credit exposures Expected credit losses related to off-balance sheet credit exposures are estimated over the contractual period for which the Company is exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by the Company. Expected credit losses are estimated using essentially the same methodologies employed to estimate expected credit losses on the amortized cost basis of loans, taking into consideration the likelihood and amount of additional amounts expected to be funded over the terms of the commitments. The liability for credit losses on off-balance sheet credit exposures is presented within other liabilities on the consolidated balance sheets, distinct from the ACL. Adjustments to the liability are included in the provision for credit losses. Prior to the adoption of ASU 2022-02 on January 1, 2023 For TDRs or loans for which there was a reasonable expectation that a TDR would be executed that were not collateral dependent, the credit loss estimate was determined by comparing the net present value of expected cash flows to the amortized cost basis of the loans. Expected cash flows were discounted at the loans' original effective interest rate for fixed rate loans and at the rate as it changed over the life of the loans for variable rate loans. Accrued Interest Receivable The Company has elected to present accrued interest receivable separate from the amortized cost basis of financial assets carried at amortized cost. The Company excludes accrued interest receivable balances from tabular disclosures about financial assets carried at amortized cost. The Company generally does not estimate an ACL on accrued interest receivable balances since uncollectible accrued interest is timely written off in accordance with the Company's accounting policies for non-accrual loans. Under unusual circumstances, the Company evaluates whether its non-accrual policies continue to consistently provide for timely reversal of accrued interest receivable. If considered necessary, the Company records an allowance for uncollectible accrued interest receivable, determined using essentially the same methodologies used to estimate the ACL on the amortized cost basis of the related loans. The allowance is deducted from accrued interest receivable and presented within other assets on the consolidated balance sheets, distinct from the ACL. Changes in the ACL related to accrued interest receivable are included in the provision for credit losses. Leases The Company determines whether a contract is or contains a lease at inception. For leases with terms greater than 12 months under which the Company is lessee, ROU assets and lease liabilities are recorded at the commencement date. Lease liabilities are initially recorded based on the present value of future lease payments over the lease term. ROU assets are initially recorded at the amount of the associated lease liabilities plus prepaid lease payments and initial direct costs, less any lease incentives received. The cost of short term leases is recognized on a straight line basis over the lease term. The lease term includes options to extend if the exercise of those options is reasonably certain and includes periods covered by termination options if there is reasonable certainty the options will not be exercised. Lease payments are discounted using the Company's FHLB borrowing rate for borrowings of a similar term unless an implicit rate is defined in the contract or is determinable, which is generally not the case. Leases are classified as financing or operating leases at commencement; generally, leases are classified as finance leases when effective control of the underlying asset is transferred. The substantial majority of leases under which the Company is lessee are classified as operating leases. For operating leases, lease cost is recognized in the consolidated statements of income on a straight line basis over the lease terms. For finance leases, interest expense on lease liabilities is recognized on the effective interest method and amortization of ROU assets is recognized on a straight line basis over the lease terms. Variable lease costs are recognized in the period in which the obligation for those costs is incurred. The Company has elected not to separate lease from non-lease components of its lease contracts. Bank Owned Life Insurance Bank owned life insurance is carried at cash surrender value. Changes in cash surrender value are recorded in non-interest income. Operating Lease Equipment Operating lease equipment is carried at cost less accumulated depreciation and is depreciated to estimated residual value using the straight-line method over the lease term. Estimated residual values are re-evaluated at least annually, based primarily on current residual value appraisals. Equipment held for sale is carried at the lower of carrying amount or estimated fair value less costs to sell and is included in other assets in the accompanying consolidated balance sheets. Rental revenue is recognized on a straight-line basis over the contractual term of the lease. A review for impairment of equipment under operating lease is performed at least annually or when events or changes in circumstances indicate that the carrying amount of long-lived assets may not be recoverable. Impairment of assets is determined by comparing the carrying amount to future undiscounted net cash flows expected to be generated. If an asset is impaired, the measure of impairment is the amount by which the carrying amount exceeds the fair value of the asset. Goodwill Goodwill represents the excess of consideration transferred in business combinations over the fair value of net tangible and identifiable intangible assets acquired. Goodwill is not amortized, but is tested for impairment annually, during the fourth quarter of each year, or more frequently if events or changes in circumstances indicate that impairment may have occurred. The Company has a single reporting unit. When assessing goodwill for impairment, the Company may elect to perform a qualitative assessment to determine if a quantitative impairment test is necessary. If a qualitative assessment is not performed, or if the qualitative assessment indicates it is more likely than not that the fair value of a reporting unit is less than its carrying amount, a quantitative test is performed. The quantitative impairment test compares the estimated fair value of the reporting unit to its carrying amount. If the fair value of the reporting unit exceeds its carrying amount, no impairment is indicated. If the fair value of the reporting unit is less than its carrying amount, impairment of goodwill is measured as the exces

Earnings Per Common Share

Earnings Per Common Share	12 Months Ended
	Dec. 31, 2024
Earnings Per Share [Abstract]
Earnings Per Common Share	Note 2 Earnings Per Common Share The computation of basic and diluted earnings per common share is presented below for the periods indicated (in thousands, except share and per share data): Years Ended December 31, c 2024 2023 2022 Basic earnings per common share: Numerator: Net income $ 232,467 $ 178,671 $ 284,971 Distributed and undistributed earnings allocated to participating securities (4,113) (3,565) (5,075) Income allocated to common stockholders for basic earnings per common share $ 228,354 $ 175,106 $ 279,896 Denominator: Weighted average common shares outstanding 74,694,303 74,493,898 80,032,356 Less average unvested stock awards (1,098,045) (1,168,004) (1,224,568) Weighted average shares for basic earnings per common share 73,596,258 73,325,894 78,807,788 Basic earnings per common share $ 3.10 $ 2.39 $ 3.55 Diluted earnings per common share: Numerator: Income allocated to common stockholders for basic earnings per common share $ 228,354 $ 175,106 $ 279,896 Adjustment for earnings reallocated from participating securities (402) (275) (626) Income used in calculating diluted earnings per common share $ 227,952 $ 174,831 $ 279,270 Denominator: Weighted average shares for basic earnings per common share 73,596,258 73,325,894 78,807,788 Dilutive effect of certain share-based awards 382,043 197,441 94 Weighted average shares for diluted earnings per common share 73,978,301 73,523,335 78,807,882 Diluted earnings per common share $ 3.08 $ 2.38 $ 3.54 Potentially dilutive unvested shares totaling 1,690,743, 1,738,534 and 2,034,960 were outstanding at December 31, 2024, 2023 and 2022, respectively, but excluded from the calculation of diluted earnings per common share because their inclusion would have been anti-dilutive.

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Investment Securities	Note 3 Investment Securities Investment securities include investment securities available for sale, marketable equity securities, and when applicable, investment securities held to maturity. The investment securities portfolio consisted of the following at the dates indicated (in thousands): December 31, 2024 Amortized Cost Gross Unrealized Carrying Value Gains Losses Investment securities available for sale: U.S. Treasury securities $ 214,796 $ 165 $ (12,009) $ 202,952 U.S. Government agency and sponsored enterprise residential MBS 2,672,554 3,607 (26,471) 2,649,690 U.S. Government agency and sponsored enterprise commercial MBS 557,489 156 (61,892) 495,753 Private label residential MBS and CMOs 2,491,033 506 (253,493) 2,238,046 Private label commercial MBS 1,822,881 1,836 (40,688) 1,784,029 Single family real estate-backed securities 335,047 108 (8,074) 327,081 Collateralized loan obligations 1,131,088 1,804 (193) 1,132,699 Non-mortgage asset-backed securities 96,865 144 (2,555) 94,454 State and municipal obligations 110,388 13 (6,391) 104,010 SBA securities 74,900 37 (2,235) 72,702 $ 9,507,041 $ 8,376 $ (414,001) 9,101,416 Marketable equity securities 28,828 $ 9,130,244 December 31, 2023 Amortized Cost Gross Unrealized Carrying Value (1) Gains Losses Investment securities available for sale: U.S. Treasury securities $ 139,858 $ 532 $ (9,798) $ 130,592 U.S. Government agency and sponsored enterprise residential MBS 1,962,658 1,810 (40,261) 1,924,207 U.S. Government agency and sponsored enterprise commercial MBS 561,557 107 (63,805) 497,859 Private label residential MBS and CMOs 2,596,231 268 (300,769) 2,295,730 Private label commercial MBS 2,282,833 678 (84,768) 2,198,743 Single family real estate-backed securities 383,984 — (17,729) 366,255 Collateralized loan obligations 1,122,799 735 (10,710) 1,112,824 Non-mortgage asset-backed securities 106,095 156 (3,471) 102,780 State and municipal obligations 107,176 715 (5,273) 102,618 SBA securities 106,237 41 (3,254) 103,024 9,369,428 $ 5,042 $ (539,838) 8,834,632 Investment securities held to maturity 10,000 10,000 $ 9,379,428 8,844,632 Marketable equity securities 32,722 $ 8,877,354 (1) At fair value except for securities held to maturity. Accrued interest receivable on investments totaled $36 million and $37 million at December 31, 2024 and 2023, respectively, and is included in other assets in the accompanying consolidated balance sheets. At December 31, 2024, contractual maturities of investment securities available for sale, adjusted for anticipated prepayments when applicable, were as follows (in thousands): Amortized Cost Fair Value Due in one year or less $ 1,042,618 $ 1,016,379 Due after one year through five years 4,717,528 4,609,428 Due after five years through ten years 2,509,277 2,351,486 Due after ten years 1,237,618 1,124,123 $ 9,507,041 $ 9,101,416 The carrying value of securities pledged as collateral for FHLB advances, public deposits, interest rate swaps and to secure borrowing capacity at the FRB totaled $7.9 billion and $7.7 billion at December 31, 2024 and 2023, respectively. The following table provides information about gains (losses) on investment securities for the periods indicated (in thousands): Years Ended December 31, 2024 2023 2022 Gross realized gains on investment securities AFS $ 1,277 $ 1,862 $ 4,058 Gross realized losses on investment securities AFS (203) (47) (131) Net realized gain 1,074 1,815 3,927 Net gain (loss) on marketable equity securities recognized in earnings 1,053 (11,867) (19,732) Gain (loss) on investment securities, net $ 2,127 $ (10,052) $ (15,805) The following tables present the aggregate fair value and the aggregate amount by which amortized cost exceeded fair value for investment securities available for sale in unrealized loss positions aggregated by investment category and length of time that individual securities had been in continuous unrealized loss positions at the dates indicated (in thousands): December 31, 2024 Less than 12 Months 12 Months or Greater Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Treasury securities $ 126,710 $ (3,195) $ 40,791 $ (8,814) $ 167,501 $ (12,009) U.S. Government agency and sponsored enterprise residential MBS 895,759 (5,474) 936,106 (20,997) 1,831,865 (26,471) U.S. Government agency and sponsored enterprise commercial MBS 55,431 (1,545) 394,735 (60,347) 450,166 (61,892) Private label residential MBS and CMOs 147,700 (954) 2,040,335 (252,539) 2,188,035 (253,493) Private label commercial MBS 44,000 (302) 1,199,150 (40,386) 1,243,150 (40,688) Single family real estate-backed securities — — 301,973 (8,074) 301,973 (8,074) Collateralized loan obligations 336,924 (189) 7,726 (4) 344,650 (193) Non-mortgage asset-backed securities — — 71,789 (2,555) 71,789 (2,555) State and municipal obligations 15,765 (148) 54,820 (6,243) 70,585 (6,391) SBA securities — — 67,880 (2,235) 67,880 (2,235) $ 1,622,289 $ (11,807) $ 5,115,305 $ (402,194) $ 6,737,594 $ (414,001) December 31, 2023 Less than 12 Months 12 Months or Greater Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Treasury securities $ 9,941 $ (27) $ 99,769 $ (9,771) $ 109,710 $ (9,798) U.S. Government agency and sponsored enterprise residential MBS 82,382 (430) 1,646,081 (39,831) 1,728,463 (40,261) U.S. Government agency and sponsored enterprise commercial MBS 3,332 (6) 481,651 (63,799) 484,983 (63,805) Private label residential MBS and CMOs — — 2,255,461 (300,769) 2,255,461 (300,769) Private label commercial MBS 51,434 (323) 2,054,378 (84,445) 2,105,812 (84,768) Single family real estate-backed securities — — 366,255 (17,729) 366,255 (17,729) Collateralized loan obligations 184,652 (348) 880,609 (10,362) 1,065,261 (10,710) Non-mortgage asset-backed securities — — 79,697 (3,471) 79,697 (3,471) State and municipal obligations 24,765 (1,049) 32,380 (4,224) 57,145 (5,273) SBA securities 8,194 (46) 89,763 (3,208) 97,957 (3,254) $ 364,700 $ (2,229) $ 7,986,044 $ (537,609) $ 8,350,744 $ (539,838) The Company monitors its investment securities available for sale for credit loss impairment on an individual security basis. No securities were determined to be credit loss impaired during the years ended December 31, 2024, 2023 and 2022. At December 31, 2024, the Company did not have an intent to sell securities that were in significant unrealized loss positions, and it was not more likely than not that the Company would be required to sell these securities before recovery of the amortized cost basis, which may be at maturity. In making this determination, the Company considered its current and projected liquidity position including its ability to pledge securities to generate liquidity, its investment policy as to permissible holdings and concentration limits, regulatory requirements and other relevant factors. We have not sold, and do not anticipate the need to sell, securities in unrealized loss positions to generate liquidity. At December 31, 2024, 476 securities available for sale were in unrealized loss positions. The amount of impairment related to 135 of these securities was considered insignificant both individually and in the aggregate, totaling approximately $1.2 million and no further analysis with respect to these securities was considered necessary. The basis for concluding that AFS securities were not credit loss impaired and no ACL was considered necessary at December 31, 2024, is further discussed below. Unrealized losses were primarily attributable to a sustained higher interest rate environment and in some cases, wider spreads compared to levels at which securities were purchased. The investment securities AFS portfolio was in a net unrealized loss position of $405.6 million at December 31, 2024, compared to $534.8 million at December 31, 2023, improving by $129.2 million during the year ended December 31, 2024. While the majority of securities in the portfolio were floating rate at December 31, 2024, fixed rate securities accounted for the substantial majority of unrealized losses. U.S. Government, U.S. Government Agency and Government Sponsored Enterprise Securities At December 31, 2024, eight U.S. treasury, 94 U.S. Government agency and sponsored enterprise residential MBS, 25 U.S. Government agency and sponsored enterprise commercial MBS, and 20 SBA securities were in unrealized loss positions. The timely payment of principal and interest on these securities is explicitly or implicitly guaranteed by the U.S. Government. As such, there is an assumption of zero credit loss and the Company expects to recover the amortized cost basis of these securities. Private Label Securities: None of the impaired private label securities had missed principal or interest payments or had been downgraded by a NRSRO at December 31, 2024. The Company performed an analysis comparing the present value of cash flows expected to be collected to the amortized cost basis of impaired securities. This analysis was based on a scenario that we believe to be generally more conservative than our reasonable and supportable economic forecast at December 31, 2024, and incorporated assumptions about voluntary prepayment rates, collateral defaults, delinquencies, severity and other relevant factors as described further below. Our analysis also considered the structural characteristics of each security and the level of credit enhancement provided by that structure. Private label residential MBS and CMOs At December 31, 2024, 115 private label residential MBS and CMOs were in unrealized loss positions. Our analysis of cash flows expected to be collected on these securities incorporated assumptions about collateral default rates, voluntary prepayment rates, loss severity, delinquencies and recovery lag. In developing those assumptions, we took into account collateral quality measures such as FICO, LTV, documentation, loan type, property type, agency availability criteria and performing status. We also regularly monitor sector data including home price appreciation, forbearance, delinquency, special servicing and prepay trends as well as other economic data that could be indicative of stress in the sector. Underlying delinquencies in this sector remain low. Our December 31, 2024 analysis projected weighted average collateral losses for impaired securities in this category of 2% compared to weighted average credit support of 18%. As of December 31, 2024, 95% of impaired securities in this category, based on carrying value, were externally rated AAA, 4% were rated AA and one security was not externally rated. Private label commercial MBS At December 31, 2024, 57 private label commercial MBS were in unrealized loss positions. Our analysis of cash flows expected to be collected on these securities incorporated assumptions about collateral default rates, voluntary prepayment rates, loss severity, delinquencies and recovery lag. In developing those assumptions, we took into account collateral quality and type, loan size, loan purpose and other qualitative factors. We also regularly monitor collateral concentrations, collateral watch lists, bankruptcy data, defeasance data, special servicing trends, delinquency and other economic data that could be indicative of stress in the sector. We consider collateral, deal, sector and tranche level performance as well as maturity and refinance risk. While we have observed some deterioration in collateral performance in this segment, particularly in the office sector, the high credit quality of these securities and adequacy of subordination to cover projected collateral losses supports the conclusion that there is no credit loss impairment. Our December 31, 2024 analysis projected weighted average collateral losses for impaired securities in this category of 7% compared to weighted average credit support of 47%. As of December 31, 2024, 80% of impaired securities in this category, based on carrying value, were externally rated AAA, 16% were rated AA and 4% were rated A. There is no single-asset, single-borrower exposure. Single family real estate-backed securities At December 31, 2024, nine single family rental real estate-backed securities were in unrealized loss positions. Our analysis of cash flows expected to be collected on these securities incorporated assumptions about collateral default rates, loss severity, delinquencies and recovery lag. We regularly monitor sector data including home price appreciation, forbearance, delinquency and prepay trends as well as other economic data that could be indicative of stress in the sector. We consider collateral, deal, sector and tranche level performance as well as maturity and refinance risk. Our December 31, 2024 analysis projected weighted average collateral losses for this category of 7% compared to weighted average credit support of 55%. As of December 31, 2024, 55% of impaired securities in this category, based on carrying value, were externally rated AAA, 21% were rated AA and one security was not externally rated. Collateralized loan obligations At December 31, 2024, two collateralized loan obligations were in unrealized loss positions. Unrealized losses totaled less than 1% of total amortized cost of this segment at December 31, 2024. Our analysis of cash flows expected to be collected on these securities incorporated assumptions about collateral default rates, loss severity, and delinquencies, calibrated to take into account idiosyncratic risks associated with the underlying collateral. In developing those assumptions, we took into account each sector’s performance pre-, during and post the 2008 financial crisis. We regularly engage with bond managers to monitor trends in underlying collateral including potential downgrades and subsequent cash flow diversions, liquidity, ratings migration, and any other relevant developments. While we have observed some deterioration in underlying collateral performance due in large part to rising costs, the high credit quality of these securities and adequacy of subordination to cover projected collateral losses supports the conclusion that there is no credit loss impairment. Our December 31, 2024 analysis projected weighted average collateral losses for impaired securities in this category of 17% compared to weighted average credit support of 43%. As of December 31, 2024, 100% of the impaired securities in this category, based on carrying value, were externally rated AAA. Non-mortgage asset-backed securities At December 31, 2024, five non-mortgage asset-backed securities were in unrealized loss positions. These securities are backed by student loan collateral. Our analysis of cash flows expected to be collected on these securities incorporated assumptions about collateral default rates, loss severity, delinquencies, voluntary prepayment rates and recovery lag. In developing assumptions, we took into account collateral type, delineated by whether collateral consisted of loans to borrowers in school, refinancing, or a mixture. Our December 31, 2024 analysis projected weighted average collateral losses for impaired securities in this category of 4% compared to weighted average credit support of 28%. As of December 31, 2024, 29% of the impaired securities in this category, based on carrying value, were externally rated AAA, and 71% were rated AA. State and Municipal Obligations

Loans and Allowance for Credit

Loans and Allowance for Credit Losses	12 Months Ended
	Dec. 31, 2024
Receivables [Abstract]
Loans and Allowance for Credit Losses	Note 4 Loans and Allowance for Credit Losses Loans consisted of the following at the dates indicated (dollars in thousands): December 31, 2024 December 31, 2023 Amortized Cost Percent of Total Loans Amortized Cost Percent of Total Loans Commercial: Non-owner occupied commercial real estate $ 5,652,203 23.3 % $ 5,323,241 21.6 % Construction and land 561,989 2.3 % 495,992 2.0 % Owner occupied commercial real estate 1,941,004 8.0 % 1,935,743 7.9 % Commercial and industrial 7,042,222 28.9 % 6,971,981 28.3 % Pinnacle - municipal finance 720,661 3.0 % 884,690 3.6 % Franchise and equipment finance 213,477 0.9 % 380,347 1.5 % Mortgage warehouse lending 585,610 2.4 % 432,663 1.8 % 16,717,166 68.8 % 16,424,657 66.7 % Residential: 1-4 single family residential 6,508,922 26.8 % 6,903,013 28.0 % Government insured residential 1,071,892 4.4 % 1,306,014 5.3 % 7,580,814 31.2 % 8,209,027 33.3 % Total loans 24,297,980 100.0 % 24,633,684 100.0 % Allowance for credit losses (223,153) (202,689) Loans, net $ 24,074,827 $ 24,430,995 Premiums, discounts and deferred fees and costs, excluding the non-credit related discount on PCD loans, totaled $33 million and $45 million at December 31, 2024 and 2023, respectively. The following table presents the amortized cost basis of residential PCD loans and the related amount of non-credit discount, net of the related ACL, at the dates indicated (in thousands): December 31, 2024 December 31, 2023 UPB $ 66,119 $ 80,123 Non-credit discount (27,664) (35,249) Total amortized cost of PCD loans 38,455 44,874 ACL related to PCD loans (182) (161) PCD loans, net $ 38,273 $ 44,713 During the years ended December 31, 2024, 2023 and 2022, the Company purchased residential loans totaling $366 million, $493 million and $2.3 billion, respectively. At December 31, 2024 and 2023, the Company had pledged loans with a carrying value of approximately $15.8 billion and $16.5 billion, respectively, as security for FHLB advances and Federal Reserve discount window capacity. Accrued interest receivable on loans totaled $120 million and $138 million at December 31, 2024 and 2023, respectively, and is included in other assets Allowance for credit losses The ACL for all periods presented was determined utilizing a 2-year reasonable and supportable forecast period. The quantitative portion of the ACL at December 31, 2024 and 2023, was determined using three weighted third-party provided economic scenarios. The quantitative portion of the ACL at December 31, 2022 was determined using a single third-party provided economic scenario. Activity in the ACL is summarized below for the periods indicated (in thousands): Years Ended December 31, 2024 2023 2022 Commercial Residential Total Commercial Residential Total Commercial Residential Total Beginning balance $ 195,058 $ 7,631 $ 202,689 $ 136,205 $ 11,741 $ 147,946 $ 117,270 $ 9,187 $ 126,457 Impact of adoption of ASU 2022-02 N/A N/A N/A (1,677) (117) (1,794) N/A N/A N/A Balance after adoption of ASU 2022-02 195,058 7,631 202,689 134,528 11,624 146,152 117,270 9,187 126,457 Provision (recovery) 54,545 4,441 58,986 82,926 (4,002) 78,924 70,956 2,858 73,814 Charge-offs (59,824) (126) (59,950) (35,014) — (35,014) (61,643) (412) (62,055) Recoveries 21,424 4 21,428 12,618 9 12,627 9,622 108 9,730 Ending balance $ 211,203 $ 11,950 $ 223,153 $ 195,058 $ 7,631 $ 202,689 $ 136,205 $ 11,741 $ 147,946 The ACL increased by $20.5 million to 0.92% from 0.82% of total loans, at December 31, 2024, compared to December 31, 2023. The more significant factors impacting the provision for credit losses and increase in the ACL for the year ended December 31, 2024, were risk rating migration and increases in certain specific reserves along with an increase in qualitative loss factors, partially offset by net charge-offs and an improved economic forecast. The following table presents gross charge-offs during the year ended December 31, 2024, by year of origination (in thousands): Year Ended December 31, 2024 Gross Charge-offs By Loan Origination Year 2024 2023 2022 2021 2020 Prior to 2020 Revolving Loans Total CRE $ — $ — $ 4,369 $ — $ — $ 1,833 $ — $ 6,202 C&I 405 327 29,438 3,761 52 1,460 12,470 47,913 Franchise and equipment finance — — — 765 — 4,944 — 5,709 1-4 single family residential — — — — — 126 — 126 $ 405 $ 327 $ 33,807 $ 4,526 $ 52 $ 8,363 $ 12,470 $ 59,950 The following table presents the components of the provision for (recovery of) credit losses for the periods indicated (in thousands): Years Ended December 31, 2024 2023 2022 Amount related to funded portion of loans $ 58,986 $ 78,924 $ 73,814 Amount related to off-balance sheet credit exposures (3,914) 8,683 1,467 Other — — (127) Total provision for credit losses $ 55,072 $ 87,607 $ 75,154 Credit quality information Credit quality of loans held for investment is continuously monitored by dedicated commercial portfolio management and residential credit risk management functions. The Company also has a workout and recovery department that monitors the credit quality of criticized and classified loans and an independent internal credit review function. Credit quality indicators for commercial loans Factors that impact risk inherent in commercial portfolio segments include but are not limited to levels of economic activity or potential disruptions in economic activity, health of the national, regional and to a lesser extent global economies, interest rates, industry trends, demographic trends, inflationary trends, including particularly for commercial real estate loans the cost of insurance, patterns of and trends in customer behavior that influence demand for our borrowers' products and services, and commercial real estate values and related market dynamics. Particularly for the office sector, the evolving impact of hybrid and remote work on vacancies and valuations is a factor. Internal risk ratings are considered the most meaningful indicator of credit quality for commercial loans. Internal risk ratings are one indicator of the likelihood that a borrower will default, are a key factor influencing the level and nature of ongoing monitoring of loans and may impact the estimation of the ACL. Internal risk ratings are updated on a continuous basis. Generally, relationships with balances in excess of defined thresholds, ranging from $2 million to $3 million, are re-evaluated at least annually and more frequently if circumstances indicate that a change in risk rating may be warranted. The special mention rating is considered a transitional rating for loans exhibiting potential credit weaknesses that could result in deterioration of repayment prospects at some future date if not checked or corrected and that deserve management’s close attention. These borrowers may exhibit declining cash flows or revenues or increasing leverage. Loans with well-defined credit weaknesses that may result in a loss if the deficiencies are not corrected are assigned a risk rating of substandard. These borrowers may exhibit payment defaults, inadequate cash flows from current operations, operating losses, increasing balance sheet leverage, project cost overruns, unreasonable construction delays, exhausted interest reserves, declining collateral values, frequent overdrafts or past due real estate taxes. Loans with weaknesses so severe that collection in full is highly questionable or improbable, but because of certain reasonably specific pending factors have not been charged off, are assigned an internal risk rating of doubtful. Commercial credit exposure based on internal risk rating (in thousands): December 31, 2024 Amortized Cost By Origination Year Revolving Loans 2024 2023 2022 2021 2020 Prior Total CRE Pass $ 921,888 $ 783,342 $ 1,119,032 $ 609,452 $ 399,806 $ 1,478,261 $ 114,648 $ 5,426,429 Special mention — — — — 39,714 19,057 — 58,771 Substandard — 21,853 131,816 121,005 76,590 377,728 — 728,992 Total CRE $ 921,888 $ 805,195 $ 1,250,848 $ 730,457 $ 516,110 $ 1,875,046 $ 114,648 $ 6,214,192 C&I Pass $ 1,514,746 $ 1,182,701 $ 962,478 $ 470,041 $ 269,508 $ 1,085,412 $ 2,931,044 $ 8,415,930 Special mention 45,092 8,231 73,226 35,581 — — 41,486 203,616 Substandard — 49,681 74,001 40,108 10,529 101,028 81,798 357,145 Doubtful — — — — — — 6,535 6,535 Total C&I $ 1,559,838 $ 1,240,613 $ 1,109,705 $ 545,730 $ 280,037 $ 1,186,440 $ 3,060,863 $ 8,983,226 Pinnacle - municipal finance Pass $ 60,317 $ 108,440 $ 93,800 $ 51,034 $ 24,010 $ 383,060 $ — $ 720,661 Total Pinnacle - municipal finance $ 60,317 $ 108,440 $ 93,800 $ 51,034 $ 24,010 $ 383,060 $ — $ 720,661 Franchise and equipment finance Pass $ — $ 2,014 $ 26,408 $ 54,871 $ 16,435 $ 84,879 $ 174 $ 184,781 Substandard — — — 1,486 275 26,614 — 28,375 Doubtful — — — — — 321 — 321 Total Franchise and equipment finance $ — $ 2,014 $ 26,408 $ 56,357 $ 16,710 $ 111,814 $ 174 $ 213,477 Mortgage warehouse lending Pass $ — $ — $ — $ — $ — $ — $ 585,610 $ 585,610 Total Mortgage warehouse lending $ — $ — $ — $ — $ — $ — $ 585,610 $ 585,610 December 31, 2023 Amortized Cost By Origination Year Revolving Loans 2023 2022 2021 2020 2019 Prior Total CRE Pass $ 668,669 $ 1,268,313 $ 662,340 $ 493,675 $ 878,048 $ 1,064,601 $ 281,584 $ 5,317,230 Special mention 19,127 13,377 — — 57,984 4,912 2,152 97,552 Substandard — 42,997 2,103 29,180 186,368 142,049 1,754 404,451 Total CRE $ 687,796 $ 1,324,687 $ 664,443 $ 522,855 $ 1,122,400 $ 1,211,562 $ 285,490 $ 5,819,233 C&I Pass $ 1,382,939 $ 1,423,581 $ 653,730 $ 337,322 $ 431,257 $ 1,040,101 $ 3,069,295 $ 8,338,225 Special mention — 85,306 1,215 13,949 49,526 22,398 47,680 220,074 Substandard 3,841 70,731 86,747 16,063 20,757 91,844 44,633 334,616 Doubtful — 10,580 — — 4,229 — — 14,809 Total C&I $ 1,386,780 $ 1,590,198 $ 741,692 $ 367,334 $ 505,769 $ 1,154,343 $ 3,161,608 $ 8,907,724 Pinnacle - municipal finance Pass $ 170,919 $ 133,988 $ 74,895 $ 31,771 $ 55,338 $ 417,779 $ — $ 884,690 Total Pinnacle - municipal finance $ 170,919 $ 133,988 $ 74,895 $ 31,771 $ 55,338 $ 417,779 $ — $ 884,690 Franchise and equipment finance Pass $ 6,569 $ 32,656 $ 74,170 $ 44,698 $ 76,144 $ 80,302 $ 201 $ 314,740 Special mention — — — 2,279 — — — 2,279 Substandard — 14,959 3,019 1,003 23,574 16,547 — 59,102 Doubtful — — — — 4,226 — — 4,226 Total Franchise and equipment finance $ 6,569 $ 47,615 $ 77,189 $ 47,980 $ 103,944 $ 96,849 $ 201 $ 380,347 Mortgage warehouse lending Pass $ — $ — $ — $ — $ — $ — $ 432,663 $ 432,663 Total Mortgage warehouse lending $ — $ — $ — $ — $ — $ — $ 432,663 $ 432,663 At December 31, 2024 and 2023, the balance of revolving loans converted to term loans was immaterial. The following table presents criticized and classified commercial loans in aggregate by risk rating category at the dates indicated (in thousands): December 31, 2024 December 31, 2023 Special mention $ 262,387 $ 319,905 Substandard - accruing 894,754 711,266 Substandard - non-accruing 219,758 86,903 Doubtful 6,856 19,035 Total $ 1,383,755 $ 1,137,109 Credit quality indicators for residential loans Management considers delinquency status to be the most meaningful indicator of the credit quality of residential loans, other than government insured residential loans. Delinquency status is updated at least monthly. LTV and FICO scores are also important indicators of credit quality for 1-4 single family residential loans other than government insured loans. FICO scores are generally updated semi-annually, and were most recently updated in the third quarter of 2024. LTVs are typically at origination since we do not routinely update residential appraisals. Substantially all of the government insured residential loans are government insured Buyout Loans, which the Company buys out of GNMA securitizations upon default. For these loans, traditional measures of credit quality are not particularly relevant considering the guaranteed nature of the loans and the underlying business model. Factors that impact risk inherent in the residential portfolio segment include national and regional economic conditions such as levels of unemployment, wages and interest rates, as well as residential property values. 1-4 Single Family Residential credit exposure, excluding government insured residential loans, based on delinquency status (in thousands): December 31, 2024 Amortized Cost By Origination Year Days Past Due 2024 2023 2022 2021 2020 Prior Total Current $ 251,767 $ 304,595 $ 1,012,777 $ 2,744,941 $ 798,346 $ 1,340,402 $ 6,452,828 30 - 59 Days Past Due — 3,045 4,948 15,368 474 9,140 32,975 60 - 89 Days Past Due 156 — 1,445 4,007 — 547 6,155 90 Days or More Past Due — — 2,486 3,457 — 11,021 16,964 $ 251,923 $ 307,640 $ 1,021,656 $ 2,767,773 $ 798,820 $ 1,361,110 $ 6,508,922 December 31, 2023 Amortized Cost By Origination Year Days Past Due 2023 2022 2021 2020 2019 Prior Total Current $ 363,123 $ 1,117,039 $ 2,965,840 $ 854,376 $ 296,146 $ 1,255,688 $ 6,852,212 30 - 59 Days Past Due 2,200 1,785 7,201 5,745 — 14,527 31,458 60 - 89 Days Past Due — 2,116 1,465 — 143 2,728 6,452 90 Days or More Past Due — 5,872 — — 1,439 5,580 12,891 $ 365,323 $ 1,126,812 $ 2,974,506 $ 860,121 $ 297,728 $ 1,278,523 $ 6,903,013 1-4 Single Family Residential credit exposure, excluding government insured residential loans, based on LTV (in thousands): December 31, 2024 Amortized Cost By Origination Year LTV 2024 2023 2022 2021 2020 Prior Total Less than 61% $ 27,646 $ 51,565 $ 236,020 $ 1,124,532 $ 304,755 $ 425,814 $ 2,170,332 61% - 70% 33,033 42,636 263,959 759,931 203,423 307,052 1,610,034 71% - 80% 156,942 175,651 518,164 851,427 290,573 590,130 2,582,887 More than 80% 34,302 37,788 3,513 31,883 69 38,114 145,669 $ 251,923 $ 307,640 $ 1,021,656 $ 2,767,773 $ 798,820 $ 1,361,110 $ 6,508,922 December 31, 2023 Amortized Cost By Origination Year LTV 2023 2022 2021 2020 2019 Prior Total Less than 61% $ 63,117 $ 260,403 $ 1,211,101 $ 326,771 $ 72,219 $ 428,451 $ 2,362,062 61% - 70% 67,146 280,602 813,682 221,091 71,652 293,784 1,747,957 71% - 80% 235,060 583,724 915,166 312,188 148,483 519,699 2,714,320 More than 80% — 2,083 34,557 71 5,374 36,589 78,674 $ 365,323 $ 1,126,812 $ 2,974,506 $ 860,121 $ 297,728 $ 1,278,523 $ 6,903,013 1-4 Single Family Residential credit exposure, excluding government insured residential loans, based on FICO score (in thousands): December 31, 2024 Amortized Cost By Origination Year FICO 2024 2023 2022 2021 2020 Prior Total 760 or greater $ 179,256 $ 215,486 $ 725,399 $ 2,202,004 $ 642,572 $ 952,136 $ 4,916,853 720 - 759 58,642 59,356 173,309 365,198 95,495 192,943 944,943 719 or less or not available 14,025 32,798 122,948 200,571 60,753 216,031 647,126 $ 251,923 $ 307,640 $ 1,021,656 $ 2,767,773 $ 798,820 $ 1,361,110 $ 6,508,922 December 31, 2023 Amortized Cost By Origination Year FICO 2023 2022 2021 2020 2019 Prior Total 760 or greater $ 253,774 $ 810,150 $ 2,378,572 $ 696,363 $ 203,966 $ 893,290 $ 5,236,115 720 - 759 78,882 194,135 392,179 99,412 50,984 210,663 1,026,255 719 or less or not available 32,667 122,527 203,755 64,346 42,778 174,570 640,643 $ 365,323 $ 1,126,812 $ 2,974,506 $ 860,121 $ 297,728 $ 1,278,523 $ 6,903,013 Past Due and Non-Accrual Loans: The following table presents an aging of loans at the dates indicated (in thousands): December 31, 2024 December 31, 2023 Current 30 - 59 60 - 89 90 Days or Total Current 30 - 59 60 - 89 90 Days or Total CRE $ 6,145,386 $ 35,000 $ — $ 33,806 $ 6,214,192 $ 5,779,309 $ 27,918 $ 1,947 $ 10,059 $ 5,819,233 C&I 8,911,057 16,137 25,645 30,387 8,983,226 8,851,585 16,228 5,536 34,375 8,907,724 Pinnacle - municipal finance 720,661 — — — 720,661 884,690 — — — 884,690 Franchise and equipment finance 213,477 — — — 213,477 380,347 — — — 380,347 Mortgage warehouse lending 585,610 — — — 585,610 432,663 — — — 432,663 1-4 single family residential 6,452,828 32,975 6,155 16,964 6,508,922 6,852,212 31,458 6,452 12,891 6,903,013 Government insured residential 691,111 108,287 46,681 225,813 1,071,892 835,282 131,652 61,942 277,138 1,306,014 $ 23,720,130 $ 192,399 $ 78,481 $ 306,970 $ 24,297,980 $ 24,016,088 $ 207,256 $ 75,877 $ 334,463 $ 24,633,684 Included in the table above is the guaranteed portion of SBA loans past due by 90 days or more totaling $32.8 million ($25.3 million of C&I and $7.5 million of CRE) and $39.7 million at December 31, 2024 and 2023, respectively. Loans contractually delinquent by 90 days or more and still accruing totaled $227 million and $278 million at December 31, 2024 and 2023, respectively, substantially all of which were government insured residential loans. These loans are Buyout Loans, which the Company buys out of GNMA securitizations upon default. The following table presents information about loans on non-accrual status at the dates indicated (in thousands): December 31, 2024 December 31, 2023 Amortized Cost Amortized Cost With No Related Allowance Amortized Cost Amortized Cost With No Related Allowance CRE $ 95,378 $ 65,004 $ 13,727 $ 1,947 C&I 125,226 41,929 68,533 14,078 Franchise and equipment finance 6,010 4,345 23,678 7,796 1-4 single family residential 23,500 — 20,513 — $ 250,114 $ 111,278 $ 126,451 $ 23,821 Included in the table above is the guaranteed portion of non-accrual SBA loans totaling $34.3 million and $41.8 million at December 31, 2024 and 2023, respectively. The amount of interest income recognized on non-accrual loans was insignificant for the years ended December 31, 2024, 2023 and 2022. The amount of additional interest income that would have been recognized on non-accrual loans had they performed in accordance with their contractual terms was not material for the years ended December 31, 2024, 2023 and 2022.. Collateral dependent loans: The following table presents the amortized cost basis of collateral dependent loans at the dates indicated (in thousands): December 31, 2024 December 31, 2023 Amortized Cost Extent to Which Secured by Collateral Amortized Cost Extent to Which Secured by Collateral CRE $ 94,283 $ 91,050 $ 11,574 $ 11,574 C&I 87,565 78,150 36,401 25,821 Franchise and equipment finance 6,010 5,689 23,488 18,678 $ 187,858 $ 174,889 $ 71,463 $ 56,073 Collateral for the CRE loan class generally consists of commercial real estate, or for certain construction loans, residential real estate. Collateral for C&I loans generally consists of equipment, accounts receivable, inventory and other business assets and for owner-occupied commercial real estate loans, may also include commercial real estate. Franchise and equipment finance loans may be collateralized by franchise value or by equipment. Residential loans are collateralized by residential real estate. There were no significant changes to the extent to which collateral secured collateral dependent loans during the years ended December 31, 2024 and 2023. Foreclosure of residential real estate Loan Modifications The following tables summarize loans that were modified for borrowers experiencing financial difficulty, by type of modification, during the periods indicated (dollars in thousands): Year Ended December 31, 2024 Interest Rate Reduction Term Extension Other than Insignificant Payment Delays Combination - Interest Rate Reduction and Term Extension Combination - Term Extension and Other than Insignificant Payment Delays Amortized Cost % (1) Amortized Cost % (1) Amortized Cost % (1) Amortized Cost % (1) Amortized Cost % (1) Total CRE $ — — % $ 44,070 1 % $ — — % $ 40,200 1 % $ — — % $ 84,270 C&I — — % 120,705 1 % 12,407 — % 26,828 — % 689 — % 160,629 Franchise and equipment finance — — % 6,994 3 % — — % — — % — — % 6,994 1-4 single family residential 170 — % — — % — — % — — % — — % 170 Government insured residential 238 — % 25,104 2 % — — % 8,081 1 % — — % 33,423 $ 408 $ 196,873 $ 12,407 $ 75,109 $ 689 $ 285,486 Year Ended December 31, 2023 Interest Rate Reduction Term Extension Other than Insignificant Payment Delays Combination - Interest Rate Reduction and Term Extension Combination - Term Extension and Other than Insignificant Payment Delays Amortized Cost % (1) Amortized Cost % (1) Amortized Cost % (1) Amortized Cost % (1) Amortized Cost % (1) Total C&I $ — — % $ 8,532 — % $ — — % $ — — % $ — — % $ 8,532 Franchise and equipment finance — — % 10,748 3 % — — % — — % — — % 10,748 1-4 single family residential 835 — % — — % — — % — — % — — % 835 Government insured residential 105 — % 62,402 5 % — — % 2,442 — % — — % 64,949 $ 940 $ 81,682 $ — $ 2,442 $ — $ 85,064 (1) Represents percentage of loans receivable in each category. The following tables summarize the financial effect of the modifications made to borrowers experiencing difficulty, during the periods indicated: Year Ended December 31, 2024 Financial Effect Interest Rate Reduction: 1-4 single family residential Reduced weighted average contractual interest rate from 6.4% to 6.3%. Government insured residential Reduced weighted average contractual interest rate from 3.3% to 2.8% Term Extension: CRE Added a weighted average 1.8 years to the term of the modified loans. C&I Added a weighted average 1.4 years to the term of the modified loans. Franchise and equipment finance Added a weighted average 1.0 year to the term of the modified loans. Government insured residential Added a weighted average 10.6 years to the term of the modified loans. Other than Insignificant Payment Delays: C&I Provided 0.5 years of payment deferral. Combination - Interest Rate Reduction and Term Extension: CRE Reduced weighted average contractual interest rate from 7.3% to 6.5% and added a weighted average 2.0 years to the term of the modified loans. C&I Reduced weighted average contractual interest rate from 9.0% to 6.5% and added a weighted average 2.5 years to the term of the modified loans. Government insured residential Reduced weighted average contractual interest rate from 7.2% to 6.5% and added a weighted average 5.3 years to the term of the modified loans. Combination - Term Extension and Other than Insignificant Payment Delays: C&I Added a weighted average 1.2 years to the term of the modified loans and provided 0.3 years of payment deferral. Year Ended December 31, 2023 Financial Effect Interest Rate Reduction: 1-4 single family residential Reduced weighted average contractual interest rate from 4.3% to 3.4%. Government insured residential Reduced weighted average contractual interest rate from 4.8% to 3.8%. Term Extension: C&I Added a weighted average 1.4 years to the term of the modified loans. Franchise and equipment finance Added a weighted average 2.1 years to the term of the modified loans. Government insured residential Added a weighted average 9.1 years to the term of the modified loans. Combination - Interest Rate Reduction and Term Extension: Government insured residential Reduced weighted average contractual interest rate from 5.7% to 4.7% and added a weighted average 7.8 years to the term of the modified loans. The following tables present the aging at December 31, 2024 and 2023, of loans that were modified within the previous 12 months from the balance sheet date (in thousands): December 31, 2024 Current 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total CRE $ 67,820 $ — $ — $ 16,450 $ 84,270 C&I 158,039 214 297 2,079 160,629 Franchise and equipment finance 6,994 — — — 6,994 1-4 single family residential 170 — — — 170 Government insured residential 11,659 5,082 4,843 11,839 33,423 $ 244,682 $ 5,296 $ 5,140 $ 30,368 $ 285,486 December 31, 2023 Current 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total C&I $ 8,532 $ — $ — $ — $ 8,532 Franchise and equipment finance 10,748 — — — 10,748 1-4 single family residential 76 — — 759 835 Government insured residential 24,091 12,335 7,677 20,846 64,949 $ 43,447 $ 12,335 $ 7,677 $ 21,605 $ 85,064 The following tables summarize loans that were modified within the previous 12 months and defaulted during the periods indicated (in thousands): Year Ended December 31, 2024 Interest Rate Reduction Term Extension Combination - Interest Rate Reduction and Term Extension Combination - Term Extension and Other than Insignificant Payment Delays Total CRE $ — $ 16,450 $ — $ — $ 16,450 C&I — 1,390 — 689 2,079 Government insured residential — 13,835 4,743 — 18,578 $ — $ 31,675 $ 4,743 $ 689 $ 37,107 Year Ended December 31, 2023 Interest Rate Reduction Term Extension Combination - Interest Rate Reduction and Term Extension Combination - Interest Rate Reduction and Other than Insignificant Payment Delays Total 1-4 single family residential $ 759 $ — $ — $ — $ 759 Government insured residential 105 32,994 960 — 34,059 $ 864 $ 32,994 $ 960 $ — $ 34,818 The following table presents the largest geographic concentrations of commercial loans at the dates indicated. Commercial real estate loans are categorized based on the location of the underlying collateral, while all other commercial loans are generally categorized based on the location of the borrowers' businesses (dollars in thousands). Loans outside of Florida and the New York tri-state area evidence no material geographic concentation. December 31, 2024 December 31, 2023 Commercial Real Estate Percent of Total All Other Commercial Percent of Total Commercial Real Estate Percent of Total All Other Commercial Percent of Total Florida $ 3,360,524 54.0 % $ 3,095,579 29.5 % $ 3,381,394 58.1 % $ 3,321,102 31.3 % New York Tri-state 1,564,104 25.2 % 3,194,833 30.4 % 1,430,728 24.6 % 2,901,958 27.4 % Other 1,289,564 20.8 % 4,212,562 40.1 % 1,007,111 17.3 % 4,382,364 41.3 % $ 6,214,192 100.0 % $ 10,502,974 100.0 % $ 5,819,233 100.0 % $ 10,605,424 100.0 % The following table presents the five states with the largest geographic concentrations of 1-4 single family residential loans, excluding government insured residential loans, at the dates indicated (dollars in thousands): December 31, 2024 December 31, 2023 Amortized Cost Percent of Total Amortized Cost Percent of Total California $ 1,960,873 30.1 % $ 2,171,802 31.5 % New York 1,282,197 19.7 % 1,344,205 19.5 % Florida 473,556 7.3 % 501,744 7.3 % Illinois 327,698 5.0 % 358,512 5.2 % Virginia 308,784 4.7 % 312,384 4.5 % Others 2,155,814 33.2 % 2,214,366 32.0 % $ 6,508,922 100.0 % $ 6,903,013 100.0 % Disclosures Prescribed by Legacy GAAP (Before Adoption of ASU 2016-13) for Prior Periods The following table summarizes loans that were modified in TDRs during the year ended December 31, 2022, as well as loans modified during the 12 months preceding December 31, 2022, that experienced payment defaults (dollars in thousands): Loans Modified in TDRs TDRs Experiencing Payment Number of Amortized Cost Number of Amortized Cost C&I 21 $ 39,052 4 $ 3,703 Franchise and equipment finance 4 6,329 4 6,329 1-4 single family residential 10 5,359 — — Government insured residential 2,589 405,096 1,190 187,708 2,624 $ 455,836 1,198 $ 197,740 TDRs during the year ended December 31, 2022 generally included interest rate reductions and extensions of maturity. Included in TDRs were residential loans to borrowers who had not reaffirmed their debt discharged in Chapter 7 bankruptcy. The total amount of such loans was not material.

Leases Leases

Leases Leases	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Leases [Text Block]	Leases Leases under which the Company is the lessee The Company leases branches, office space and a small amount of equipment under either operating or finance leases with remaining terms ranging from one to 12 years, some of which include extension options. The following table presents ROU assets and lease liabilities at the dates indicated (in thousands): December 31, 2024 December 31, 2023 ROU assets: Operating leases $ 64,416 $ 64,536 Finance leases 20,290 21,638 $ 84,706 $ 86,174 Lease liabilities: Operating leases $ 71,979 $ 72,391 Finance leases 24,629 26,501 $ 96,608 $ 98,892 ROU assets and lease liabilities for operating leases are included in " other assets other liabilities other assets notes and other borrowings The weighted average remaining lease term and weighted average discount rate at the dates indicated were: December 31, 2024 December 31, 2023 Weighted average remaining lease term: Operating leases 6.2 years 5.9 years Finance leases 8.8 years 10.0 years Weighted average discount rate: Operating leases 3.8 % 3.2 % Finance leases 2.9 % 2.9 % The following table presents the components of lease expense for the periods indicated (in thousands): Years Ended December 31, 2024 2023 2022 Operating lease cost: Fixed costs $ 16,624 $ 16,761 $ 18,364 Impairment of ROU assets 54 76 134 Total operating lease cost $ 16,678 $ 16,837 $ 18,498 Finance lease cost: Amortization of ROU assets $ 2,240 $ 2,228 $ 2,350 Interest on lease liabilities 734 778 823 Total finance lease cost $ 2,974 $ 3,006 $ 3,173 Variable lease cost $ 3,733 $ 3,440 $ 3,589 Short-term lease costs were immaterial for the years ended December 31, 2024, 2023 and 2022. The following table presents additional information related to operating and finance leases for the dates and periods indicated (in thousands): Years Ended December 31, 2024 2023 2022 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from finance leases $ 734 $ 778 $ 823 Operating cash flows from operating leases 17,055 17,680 18,473 Financing cash flows from finance leases 2,277 2,666 2,652 $ 20,066 $ 21,124 $ 21,948 Lease liabilities recognized from obtaining ROU assets: Operating leases $ 13,538 $ 6,896 $ 9,086 Finance leases 892 — — $ 14,430 $ 6,896 $ 9,086 Future lease payment obligations under leases with terms in excess of one year and a reconciliation to lease liabilities as of December 31, 2024 were as follows (in thousands): Operating Leases Finance Leases Total Years ending December 31: 2025 $ 16,852 $ 2,826 $ 19,678 2026 15,634 2,901 18,535 2027 12,647 2,926 15,573 2028 9,904 3,016 12,920 2029 6,907 3,128 10,035 Thereafter 19,137 13,305 32,442 Total future minimum lease payments 81,081 28,102 109,183 Less: interest component (9,102) (3,473) (12,575) Lease liabilities $ 71,979 $ 24,629 $ 96,608 Leases under which the Company is the lessor Direct or Sales Type Financing Leases The following table presents the components of the investment in direct or sales type financing leases, included in loans in the consolidated balance sheets at the dates indicated (in thousands): December 31, 2024 December 31, 2023 Total minimum lease payments to be received $ 489,336 $ 644,614 Estimated unguaranteed residual value of leased assets 3,112 3,938 Gross investment in direct or sales type financing leases 492,448 648,552 Unearned income (34,270) (48,403) Initial direct costs 1,001 1,556 $ 459,179 $ 601,705 At December 31, 2024, future minimum lease payments to be received under direct or sales type financing leases were as follows (in thousands): Years Ending December 31: 2025 $ 163,565 2026 118,826 2027 60,292 2028 30,821 2029 25,279 Thereafter 90,553 $ 489,336 Operating Lease Equipment Operating lease equipment consists primarily of railcars, non-commercial aircraft and other transportation equipment leased to commercial end users. Original lease terms generally range from three to fifteen years. Asset risk is evaluated and managed by a dedicated internal staff of seasoned equipment finance professionals. The Company has partnered with an industry leading, experienced service provider who provides fleet management and servicing relating to the railcar fleet. Residual risk is managed by setting appropriate residual values at inception and systematic reviews of residual values based on independent appraisals, performed at least annually. The following table presents the components of operating lease equipment at the dates indicated (in thousands): December 31, 2024 December 31, 2023 Operating lease equipment $ 339,165 $ 582,147 Less: accumulated depreciation (115,321) (210,238) Operating lease equipment, net $ 223,844 $ 371,909 The Company did not recognize any impairment of operating lease equipment during the years ended December 31, 2024, 2023 and 2022. At December 31, 2024, scheduled minimum rental payments under operating leases were as follows (in thousands): Years Ending December 31: 2025 $ 13,278 2026 12,021 2027 11,461 2028 9,986 2029 5,627 Thereafter 14,735 $ 67,108 The following table summarizes income recognized for operating and direct or sales type finance leases for the periods indicated (in thousands): Years Ended December 31, 2024 2023 2022 Location of Lease Income on Consolidated Statements of Income Operating leases $ 24,681 $ 47,868 $ 54,111 Non-interest income from lease financing Direct or sales type finance leases 15,148 15,643 17,881 Interest income on loans $ 39,829 $ 63,511 $ 71,992

Deposits

Deposits	12 Months Ended
	Dec. 31, 2024
Broker-Dealer [Abstract]
Deposits	Deposits The following table presents average balances and weighted average rates paid on deposits for the periods indicated (dollars in thousands): Years Ended December 31, 2024 2023 2022 Average Average Average Average Average Average Demand deposits: Non-interest bearing $ 7,239,161 — % $ 7,091,029 — % $ 8,861,111 — % Interest bearing 4,077,852 3.75 % 2,905,968 2.99 % 2,538,906 0.55 % Savings and money market 11,043,510 4.09 % 10,704,470 3.57 % 12,874,240 1.02 % Time 4,757,675 4.44 % 5,169,458 3.70 % 3,338,671 1.06 % $ 27,118,198 3.01 % $ 25,870,925 2.55 % $ 27,612,928 0.65 % Time deposit accounts with balances greater than $250,000 totaled $779 million and $941 million at December 31, 2024 and 2023, respectively. The following table presents maturities of time deposits as of December 31, 2024 (in thousands): Maturing in: 2025 $ 3,976,859 2026 323,101 2027 796 2028 274 2029 259 $ 4,301,289 Included in deposits are public funds deposits of $3.1 billion at both December 31, 2024 and 2023; and brokered deposits of $5.2 billion and $5.3 billion at December 31, 2024 and 2023, respectively. Investment securities AFS with a carrying value of $709 million and an FHLB letter of credit in the amount of $900 million, were pledged as security for public funds deposits at December 31, 2024. Interest expense on deposits for the periods indicated was as follows (in thousands): Years Ended December 31, 2024 2023 2022 Interest bearing demand $ 152,809 $ 86,759 $ 13,919 Savings and money market 451,352 382,432 130,705 Time 211,411 191,114 35,348 $ 815,572 $ 660,305 $ 179,972 Certain of our depositors participate in various customer rebate and commission programs. During the years ended December 31, 2024, 2023 and 2022, deposit costs related to these programs totaled $56.5 million, $44.2 million and $15.4 million, respectively. These expenses are included in "other non-interest expense" in the accompanying consolidated statements of income.

Federal Home Loan Bank Advances

Federal Home Loan Bank Advances and Other Borrowings	12 Months Ended
	Dec. 31, 2024
Federal Home Loan Banks [Abstract]
Borrowings	Note 7 Borrowings The following table presents information about outstanding FHLB advances at December 31, 2024 (dollars in thousands): Range of Interest Rates Amount Minimum Maximum Weighted Average Rate Maturing in: 2025 - One month or less $ 2,500,000 4.43 % 4.84 % 4.53 % 2025 - Over one month 430,000 4.45 % 4.70 % 4.60 % Total contractual balance outstanding $ 2,930,000 The table above reflects contractual maturities and rates of outstanding advances and does not incorporate the impact that interest rate derivatives have on the duration or cost of borrowings. The terms of the Company's security agreement with the FHLB require a specific assignment of collateral consisting of qualifying first mortgage loans, commercial real estate loans and mortgage-backed securities with unpaid principal amounts discounted at various stipulated percentages at least equal to 100% of outstanding FHLB advances. As of December 31, 2024, the Company had pledged investment securities and real estate loans with an aggregate carrying amount of approximately $14.9 billion as collateral for advances and letters of credit from the FHLB. Notes and other borrowings consisted of the following at the dates indicated (dollars in thousands): December 31, 2024 December 31, 2023 Senior notes: Principal amount of 4.875% senior notes maturing on November 17, 2025 $ 388,479 $ 388,479 Unamortized discount and debt issuance costs (802) (1,676) 387,677 386,803 Subordinated notes: Principal amount of 5.125% subordinated notes maturing on June 11, 2030 300,000 300,000 Unamortized discount and debt issuance costs (3,753) (4,331) 296,247 295,669 Total notes 683,924 682,472 Finance leases 24,629 26,501 Notes and other borrowings $ 708,553 $ 708,973 The senior notes pay interest semiannually and have an effective interest rate of 5.12%, after consideration of issuance discount and costs. The notes may be redeemed by the Company, in whole or in part, at any time prior to August 17, 2025 at the greater of a) 100% of the principal balance or b) the sum of the present values of the remaining scheduled payments of principal and interest on the securities discounted to the redemption date at i) the rate on a United States Treasury security with a maturity comparable to the remaining maturity of the senior notes that would be used to price new issues of corporate debt securities with a maturity comparable to the remaining maturity of the senior notes plus ii) 40 basis points. The senior notes may be redeemed at any time after August 17, 2025 at 100% of principal plus accrued and unpaid interest. The subordinated notes pay interest semiannually and have an effective interest rate of 5.39%, after consideration of issuance discount and costs. The notes may be redeemed by the Company, in whole or in part, on or after March 11, 2030 at a redemption price equal to 100% of the principal amount being redeemed plus accrued and unpaid interest, subject to the approval of the Federal Reserve. The notes qualify as Tier 2 capital for regulatory capital purposes, subject to applicable limitations. At December 31, 2024, BankUnited had available borrowing capacity at the FHLB of approximately $6.9 billion and unused borrowing capacity at the FRB of approximately $7.0 billion.

Premises and Equipment and Leas

Premises and Equipment and Lease Commitments	12 Months Ended
	Dec. 31, 2024
Property, Plant and Equipment [Abstract]
Premises, Equipment and Software	Note 8 Premises, Equipment and Software Premises and equipment and capitalized software costs are included in other assets in the accompanying consolidated balance sheets and are summarized as follows at the dates indicated (in thousands): December 31, 2024 December 31, 2023 Buildings and improvements $ 1,673 $ 1,019 Leasehold improvements 78,938 78,811 Furniture, fixtures and equipment 32,133 34,118 Computer equipment 16,661 16,547 Software and CCA 116,125 105,593 Aircraft and automobiles 11,841 11,663 257,371 247,751 Less: accumulated depreciation (196,015) (182,934) Premises, equipment and software, net $ 61,356 $ 64,817 Depreciation and amortization expense related to premises, equipment and software was $18.8 million, $18.7 million and $17.5 million for the years ended December 31, 2024, 2023 and 2022, respectively.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Income Taxes	Note 9 Income Taxes The components of the provision for income taxes were as follows for the periods indicated (in thousands): Years Ended December 31, 2024 2023 2022 Current: Federal $ 97,577 $ 82,789 $ 76,431 State 30,232 22,456 12,293 127,809 105,245 88,724 Deferred: Federal (35,265) (38,303) (7,191) State (8,662) (8,529) 8,628 (43,927) (46,832) 1,437 $ 83,882 $ 58,413 $ 90,161 A reconciliation of expected income tax expense at the statutory federal income tax rate of 21% to the Company's effective income tax rate for the periods indicated follows (dollars in thousands): Years Ended December 31, 2024 2023 2022 Amount Percent Amount Percent Amount Percent Tax expense calculated at the statutory federal income tax rate $ 66,433 21.00 % $ 49,788 21.00 % $ 78,778 21.00 % Increases (decreases) resulting from: Income not subject to tax (12,422) (3.93) % (13,404) (5.65) % (10,577) (2.82) % State income taxes, net of federal tax benefit 15,553 4.92 % 12,162 5.13 % 17,859 4.76 % Changes in unrecognized tax benefits 10,437 3.30 % 8,413 3.55 % 5,255 1.40 % FDIC premiums non-deductible 3,970 1.26 % 4,246 1.79 % 2,554 0.68 % Other, net (89) (0.03) % (2,792) (1.18) % (3,708) (0.99) % $ 83,882 26.52 % $ 58,413 24.64 % $ 90,161 24.03 % The components of deferred tax assets and liabilities were as follows at the dates indicated (in thousands): December 31, 2024 December 31, 2023 Deferred tax assets: Net unrealized loss on investment securities AFS and cash flow hedges $ 99,974 $ 125,580 Allowance for credit losses 59,291 55,188 Accrued expenses 22,267 19,301 Lease liability 18,301 18,592 Deferred compensation 12,225 11,431 Other 44,918 45,797 Gross deferred tax assets 256,976 275,889 Deferred tax liabilities: Lease financing, due to differences in depreciation 56,818 96,225 ROU asset 34,752 31,886 Other 4,788 5,480 Gross deferred tax liabilities 96,358 133,591 Net deferred tax asset $ 160,618 $ 142,298 Based on the evaluation of available evidence, the Company has concluded that it is more likely than not that the existing deferred tax assets will be realized. The primary factors supporting this conclusion are the Company's history of reported pre-tax income and the amount of future taxable income that will result from the scheduled reversal of existing deferred tax liabilities. At December 31, 2024, remaining net operating loss and tax credit carryforwards included Florida net operating loss carryforwards in the amount of $105.1 million. Florida net operating loss carryforwards consisted of $79.9 million expiring from 2030 through 2037 and $25.2 million that can be carried forward indefinitely. The Company has investments in affordable housing limited partnerships which generate federal LIHTC and other tax benefits. The balance of these investments, included in other assets The Company has a liability for unrecognized tax benefits relating to uncertain federal and state tax positions in several jurisdictions. A reconciliation of the beginning and ending amount of gross unrecognized tax benefits at the dates indicated follows (in thousands): December 31, 2024 December 31, 2023 December 31, 2022 Balance, beginning of period $ 383,895 $ 369,880 $ 347,809 Additions for tax positions related to the current year 3,023 2,802 3,086 Additions for tax positions related to prior periods 1,132 708 12,433 Reductions due to settlements with taxing authorities (485) (347) — Reductions due to lapse of the statute of limitations (1,314) (1,617) (795) 386,251 371,426 362,533 Interest and penalties 14,878 12,469 7,347 Balance, end of period $ 401,129 $ 383,895 $ 369,880 As of December 31, 2024, 2023 and 2022, the Company had $345.6 million, $343.8 million and $342.6 million, respectively, of unrecognized federal and state tax benefits, net of federal tax benefits, that if recognized would have impacted the effective tax rate. Unrecognized tax benefits related to federal and state income tax contingencies that may decrease during the 12 months subsequent to December 31, 2024, as a result of settlements with taxing authorities range from zero to $344.1 million. Interest and penalties related to unrecognized tax benefits are included in the provision for income taxes in the consolidated statements of income. At December 31, 2024 and 2023, accrued interest and penalties included in the consolidated balance sheets, net of federal tax benefits, were $38.3 million and $26.4 million, respectively. The total amount of interest and penalties, net of federal tax benefits, recognized through income tax expense was $11.9 million, $10.0 million and $5.9 million during the years ended December 31, 2024, 2023 and 2022, respectively. The Company and its subsidiaries file a consolidated federal income tax return as well as combined state income tax returns where combined filings are required. The federal tax returns for years 2018 through 2023 remain subject to examination in the U.S. Federal jurisdiction. State tax returns for years 2019 through 2023, remain subject to examination by certain states.

Derivatives and Hedging Activit

Derivatives and Hedging Activities	12 Months Ended
	Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivatives and Hedging Activities	Derivative Financial Instruments Derivatives designated as hedging instruments The Company has entered into interest rate derivatives designated as (i) cash flow hedges with the objective of limiting the variability of interest payment cash flows and (ii) fair value hedges designed to hedge changes in the fair value of outstanding fixed rate instruments caused by fluctuations in the benchmark interest rate. Changes in fair value of derivative instruments designated as cash flow hedges are reported in accumulated other comprehensive income. Changes in the fair value of derivative instruments designated as fair value hedges are recognized in earnings, as is the offsetting gain or loss on the hedged item. All of the Company's derivatives designated as fair value hedges matured in 2024. The following table summarizes the Company's derivatives designated as hedging instruments as of the dates indicated (in thousands): December 31, 2024 December 31, 2023 Notional Amount Fair Value (1) Notional Amount Fair Value (1) Asset Liability Asset Liability Derivatives designated as cash flow hedges: Interest rate swaps $ 4,030,000 $ — $ (4,011) $ 3,215,000 $ — $ (1,048) Interest rate caps purchased 200,000 3,395 — 200,000 10,157 — Interest rate collar 125,000 — (30) 125,000 84 — Derivatives designated as fair value hedges: Interest rate swaps — — — 100,000 — — $ 4,355,000 $ 3,395 $ (4,041) $ 3,640,000 $ 10,241 $ (1,048) (1) The fair values of derivatives are included in other assets or other liabilities in the consolidated balance sheets. Derivatives designated as cash flow hedges The following table provides information about the amount of gain (loss) related to derivatives designated as cash flow hedges reclassified from AOCI into interest income or expense for the periods indicated (in thousands): Years Ended December 31, 2024 2023 2022 Location of gain (loss) reclassified from AOCI into income: Interest expense on deposits $ 18,235 $ 23,569 $ 4,357 Interest expense on borrowings 48,064 44,790 (4,224) Interest income on loans (3,923) (2,620) (43) $ 62,376 $ 65,739 $ 90 During the years ended December 31, 2024, 2023 and 2022, no derivative positions designated as cash flow hedges were discontinued and none of the gains and losses reported in AOCI were reclassified into earnings as a result of the discontinuance of cash flow hedges or because of the early extinguishment of debt. As of December 31, 2024, the amount of net gain expected to be reclassified from AOCI into earnings during the next 12 months was $11.2 million, based on the forward curve. See Note 11 to the consolidated financial statements for additional information about the reclassification adjustments from AOCI into earnings. Derivatives designated as fair value hedges No net gain (loss) related to derivatives designated as fair value hedges was recognized in earnings for any of the applicable periods. The following table provides information about the hedged items related to derivatives designated as fair value hedges at December 31, 2023 (in thousands): December 31, 2023 Location in Consolidated Balance Sheets Contractual balance outstanding of hedged item (1) $ 100,000 Loans Cumulative fair value hedging adjustments $ (1,656) Loans (1) This amount was included in the amortized cost basis of a closed portfolio of loans used to designate hedging relationships in a portfolio layer method hedge in which the hedged item is anticipated to be outstanding for the designated hedge period. The amortized cost basis of the closed portfolio used in this hedging relationship was $992 million at December 31, 2023. Derivatives not designated as hedging instruments The Company enters into interest rate derivative contracts with certain of its commercial borrowers to enable those borrowers to manage their exposure to interest rate fluctuations. To mitigate interest rate risk associated with these derivative contracts, the Company enters into offsetting derivative contract positions with primary dealers. The Company purchases and sells credit protection under RPAs with the objective of sharing with financial institution counterparties some of the credit exposure related to interest rate derivative contracts entered into with commercial borrowers related to participations purchased or sold. The Company will make or receive payments under these agreements if a customer defaults on an obligation to perform under certain interest rate derivative contracts. The Company also enters into foreign currency forward derivative contracts with commercial borrowers to enable borrowers to manage their exposure to foreign currency fluctuations. The Company enters into offsetting forward contracts with primary dealers to mitigate the foreign currency risk associated with these contracts.These derivative contracts are not designated as hedging instruments; therefore, changes in the fair value of these derivatives are recognized immediately in earnings. The impact on earnings related to changes in fair value of these derivatives was not material for the years ended December 31, 2024, 2023, and 2022. The notional amount and fair value of the foreign currency forward derivative contracts were not material at December 31, 2024 and 2023. The Company may be exposed to credit risk in the event of non-performance by the counterparties to its commercial customer derivative agreements. The Company assesses the credit risk of its financial institution counterparties by monitoring publicly available credit rating and financial information. The Company manages dealer credit risk by entering into interest rate derivatives only with primary and highly rated counterparties, the use of ISDA master agreements, central clearing mechanisms and counterparty limits. The agreements contain bilateral collateral arrangements with the amount of collateral to be posted generally governed by the settlement value of outstanding swaps. The Company manages the risk of default by its commercial borrower counterparties through its normal loan underwriting and credit monitoring policies and procedures. The Company does not currently anticipate any significant losses from failure of interest rate derivative counterparties to honor their obligations. The following table summarizes the Company's derivatives not designated as hedging instruments as of the dates indicated (in thousands): December 31, 2024 December 31, 2023 Notional Amount Fair Value (1) Notional Amount Fair Value (1) Asset Liability Asset Liability Pay-fixed interest rate swaps $ 2,767,552 $ 69,802 $ (10,342) $ 2,166,813 $ 76,793 $ (16,702) Pay-variable interest rate swaps 2,767,552 10,342 (69,802) 2,166,813 16,702 (77,257) Interest rate caps purchased 210,398 1,418 — 65,610 1,922 — Interest rate caps sold 210,398 — (1,418) 65,610 — (1,922) RPAs purchased 126,578 175 — 77,846 20 — RPAs sold 424,424 — (296) 284,910 — (237) $ 6,506,902 $ 81,737 $ (81,858) $ 4,827,602 $ 95,437 $ (96,118) (1) Fair values of these derivatives are included in other assets and other liabilities in the consolidated balance sheets. Some of the Company’s ISDA master agreements with financial institution counterparties contain provisions that permit either counterparty to terminate the agreements and require settlement in the event that regulatory capital ratios fall below certain designated thresholds, upon the initiation of other defined regulatory actions or upon suspension or withdrawal of the Bank’s credit rating. Currently, there are no circumstances that would trigger these provisions of the agreements. Master netting agreements The Company does not offset assets and liabilities under master netting agreements for financial reporting purposes. Information on interest rate swaps and caps subject to these agreements is as follows at the dates indicated (in thousands): December 31, 2024 Gross Amounts Offset in Balance Net Amounts Presented in Gross Amounts Not Offset in Gross Amounts Derivative Collateral Net Amount Derivative assets $ 74,615 $ — $ 74,615 $ (11,161) $ (63,376) $ 78 Derivative liabilities (14,383) — (14,383) 11,161 3,222 — $ 60,232 $ — $ 60,232 $ — $ (60,154) $ 78 December 31, 2023 Gross Amounts Offset in Balance Net Amounts Presented in Gross Amounts Not Offset in Gross Amounts Derivative Collateral Net Amount Derivative assets $ 88,956 $ — $ 88,956 $ (15,154) $ (73,730) $ 72 Derivative liabilities (17,750) — (17,750) 15,154 2,596 — $ 71,206 $ — $ 71,206 $ — $ (71,134) $ 72 The difference between the amounts reported for interest rate swaps subject to master netting agreements and the total fair value of interest rate contract derivative financial instruments reported in the consolidated balance sheets is related to interest rate derivative contracts not subject to master netting agreements.

Stockholders' Equity

Stockholders' Equity	12 Months Ended
	Dec. 31, 2024
Equity [Abstract]
Stockholders' Equity	Note 11 Stockholders’ Equity Accumulated Other Comprehensive Income Changes in accumulated other comprehensive income are summarized as follows for the periods indicated (in thousands): Year Ended December 31, 2024 Before Tax Tax Effect Net of Tax Change in net unrealized gains (losses) on investment securities available for sale: Net unrealized holding gain arising during the period $ 130,244 $ (33,864) $ 96,380 Amounts reclassified to gain on investment securities available for sale, net (1,074) 279 (795) Net change in unrealized gains (losses) on investment securities available for sale 129,170 (33,585) 95,585 Change in net unrealized gains (losses) on derivative instruments: Net unrealized holding gain arising during the period 31,693 (8,240) 23,453 Amounts reclassified to interest expense on deposits (18,235) 4,741 (13,494) Amounts reclassified to interest expense on borrowings (48,064) 12,497 (35,567) Amounts reclassified to interest income on loans 3,923 (1,020) 2,903 Net change in unrealized gains (losses) on derivative instruments (30,683) 7,978 (22,705) Other comprehensive income $ 98,487 $ (25,607) $ 72,880 Year Ended December 31, 2023 Before Tax Tax Effect Net of Tax Change in net unrealized gains (losses) on investment securities available for sale: Net unrealized holding gain arising during the period $ 141,227 $ (36,719) $ 104,508 Amounts reclassified to gain on investment securities available for sale, net (1,815) 472 (1,343) Net change in unrealized gains (losses) on investment securities available for sale 139,412 (36,247) 103,165 Change in net unrealized gains (losses) on derivative instruments: Net unrealized holding gain arising during the period 35,089 (9,123) 25,966 Amounts reclassified to interest expense on deposits (23,569) 6,128 (17,441) Amounts reclassified to interest expense on borrowings (44,790) 11,645 (33,145) Amounts reclassified to interest income on loans 2,620 (681) 1,939 Net change in unrealized gains (losses) on derivative instruments (30,650) 7,969 (22,681) Other comprehensive income $ 108,762 $ (28,278) $ 80,484 Year Ended December 31, 2022 Before Tax Tax Effect Net of Tax Change in net unrealized gains (losses) on investment securities available for sale: Net unrealized holding loss arising during the period $ (674,115) $ 175,251 $ (498,864) Amounts reclassified to gain on investment securities available for sale, net (3,927) 1,021 (2,906) Net change in unrealized gains (losses) on investment securities available for sale (678,042) 176,272 (501,770) Change in net unrealized gains (losses) on derivative instruments: Net unrealized holding gain arising during the period 107,764 (27,893) 79,871 Amounts reclassified to interest expense on deposits (4,357) 1,133 (3,224) Amounts reclassified to interest expense on borrowings 4,224 (1,098) 3,126 Amounts reclassified to interest income on loans 43 (11) 32 Net change in unrealized gains (losses) on derivative instruments 107,674 (27,869) 79,805 Other comprehensive loss $ (570,368) $ 148,403 $ (421,965) The categories of AOCI and changes therein are presented below for the periods indicated (in thousands): Unrealized Gain (Loss) on Unrealized Gain (Loss) Total Balance at December 31, 2021 $ 2,859 $ (18,799) $ (15,940) Other comprehensive loss (501,770) 79,805 (421,965) Balance at December 31, 2022 (498,911) 61,006 (437,905) Other comprehensive income 103,165 (22,681) 80,484 Balance at December 31, 2023 (395,746) 38,325 (357,421) Other comprehensive income 95,585 (22,705) 72,880 Balance at December 31, 2024 $ (300,161) $ 15,620 $ (284,541)

Equity Based Compensation

Equity Based Compensation	12 Months Ended
	Dec. 31, 2024
Share-Based Payment Arrangement [Abstract]
Shareholders' Equity and Share-based Payments	Equity Based and Other Compensation Plans Description of Equity Based Compensation Plans In 2023, the Board of Directors and the Company's stockholders approved the 2023 Plan. Previously, awards were administered under the 2014 Plan or the 2010 Plan. The Plans are administered by the Board of Directors or a committee thereof and provide for the grant of non-qualified stock options, SARs, restricted shares, deferred shares, performance shares, unrestricted shares and other share-based awards to selected employees, directors or independent contractors of the Company and its affiliates. As of December 31, 2024, no further awards are available for issuance under the 2014 or 2010 plans although unvested awards issued under the 2014 plan are still outstanding . The number of shares of common stock authorized for award under the 2023 Plan is 3,766,764, of which 1,679,655 shares remain available for issuance as of December 31, 2024. Shares of common stock delivered under the plans may consist of authorized but unissued shares or previously issued shares reacquired by the Company. Unvested awards become fully vested in the event of a change in control, subject to a double trigger, as defined. Compensation Expense Related to Equity Based Awards The following table summarizes compensation cost related to equity based awards for the periods indicated (in thousands): Years Ended December 31, 2024 2023 2022 Compensation cost of equity based awards: RSAs $ 16,237 $ 16,122 $ 16,203 Executive share-based awards 7,244 3,351 4,239 Non-executive RSUs 7,615 5,081 4,886 Total compensation cost of equity based awards 31,096 24,554 25,328 Related tax benefits (8,085) (6,384) (6,585) Compensation cost of equity based awards, net of tax $ 23,011 $ 18,170 $ 18,743 Non-Executive Share-Based Awards RSAs RSAs are generally valued at the closing price of the Company's common stock on the date of grant. All awards vest in equal annual installments over a period of four years from the date of grant except awards granted to the Company's Board of Directors, which vest over a period of one year. Non-executive RSUs The Company issues RSUs based on results of the Company's annual incentive compensation arrangements for certain employees other than those eligible for the executive share-based awards discussed below. These incentive compensation plans provide for a combination of cash payments and RSUs following the end of each annual performance period. The dollar value of share awards to be granted is based on the achievement of performance criteria established in the incentive arrangements. The number of shares of common stock to be awarded is variable, typically based on the closing price of the Company's stock on the date of grant; therefore, these awards are initially classified as liability instruments, with compensation cost recognized from the beginning of the performance period. Awards vest in equal installments over a period of four years from the date of grant. Non-executive RSUs may be settled in shares or cash at the Company's option. To date, all such awards have been settled in shares. The non-executive RSUs do not accumulate dividends prior to vesting. A summary of activity related to non-executive share-based awards for the periods indicated follows: RSA Non-Executive RSU Number of Share Awards Weighted Average Grant Date Fair Value Number of Share Awards Weighted Average Grant Date Fair Value Unvested share awards outstanding, December 31, 2021 1,179,684 $ 37.17 — $ — Granted 496,361 41.75 294,331 41.87 Vested (391,693) 36.72 — — Canceled or forfeited (90,037) 39.38 (36,355) 41.87 Unvested share awards outstanding, December 31, 2022 1,194,315 39.05 257,976 41.87 Granted 509,139 33.51 378,609 35.39 Vested (542,003) 37.81 — — Canceled or forfeited (145,051) 37.92 (23,094) 35.39 Unvested share awards outstanding, December 31, 2023 1,016,400 37.10 613,491 38.11 Granted 484,650 26.71 372,274 26.23 Vested (405,491) 35.62 (205,223) 37.78 Canceled or forfeited (23,376) 34.25 (91,293) 34.62 Unvested share awards outstanding, December 31, 2024 1,072,183 $ 33.03 689,249 $ 32.25 The following table summarizes the closing price of the Company's stock on the date of grant for shares granted and the aggregate grant date fair value of shares vesting for the periods indicated (in thousands, except per share data): Years Ended December 31, 2024 2023 2022 Range of the closing price on date of grant $26.23 - $40.30 $16.94 - $35.39 $39.39 - $43.67 Aggregate grant date fair value of shares vesting $ 22,060 $ 20,757 $ 14,383 The total unrecognized compensation cost of $32.9 million for all RSAs and non-executive RSUs outstanding at December 31, 2024, will be recognized over a weighted average remaining period of 2.3 years. Executive share-based awards Certain of the Company's executives are eligible to receive annual awards of RSUs and PSUs (collectively, the "share units"). Annual awards of RSUs represent a fixed number of shares and vest on December 31st in equal tranches over four years for grant periods prior to 2023, and over three years for awards issued from 2023 onwards. PSUs are initially granted based on a target value. The numb er of PSUs that ultimately vest at the end of the performance measurement period will be based on the achievement of performance criteria pre-established by the Compensation Committee of the Board of Directors. Upon vesting, the share units will be converted to common stock on a one-for-one basis, or may be settled in cash at the Company's option. The share units will accumulate dividends declared on the Company's common stock from the date of grant to be paid subsequent to vesting. As a result of the majority of previous settlements being in cash, all executive RSUs and PSUs have been determined to be liability instruments and are remeasured at fair value each reporting period until the awards are settled. The RSUs are valued based on the closing price of the Company's common stock at the reporting date. The PSUs are valued based on the closing price of the Company's common stock at the reporting date net of a discount related to any applicable market conditions, considering the probability of meeting the defined performance conditions. Compensation cost related to PSUs is recognized during the performance period based on the probable outcome of the respective performance conditions. A summary of activity related to executive share-based awards for the periods indicated follows: RSU PSU Unvested executive share-based awards outstanding, December 31, 2021 119,488 243,607 Granted 66,990 66,990 Vested (77,648) (73,062) Unvested executive share-based awards outstanding, December 31, 2022 108,830 237,535 Granted 136,778 136,778 Vested (104,976) (106,731) Unvested executive share-based awards outstanding, December 31, 2023 140,632 267,582 Granted 105,173 105,173 Vested (113,351) (63,814) Unvested executive share-based awards outstanding, December 31, 2024 132,454 308,941 The total liability for these executive share-based awards was $13.5 million at December 31, 2024. The total unrecognized compensation cost of $10.1 million for unvested executive share-based awards at December 31, 2024 will be recognized over a weighted average remaining period of 1.4 years. Deferred Compensation Plan The Company has a non-qualified deferred compensation plan for a group of key management or highly compensated employees whereby a participant, upon election, may defer a portion of eligible compensation. The deferred compensation plan provides for discretionary Company contributions. Generally, the Company has elected not to make contributions. The Company credits each participant's account with income based on either an annual interest rate determined by the Company's Compensation Committee or returns of selected investment portfolios, as elected by the participant. A participant's elective deferrals and interest thereon are at all times 100% vested. Company contributions and interest thereon will become 100% vested upon the earlier of a change in control, as defined, or the participant's death, disability, attainment of normal retirement age or the completion of two years of service. Participant deferrals and any associated earnings will be paid upon separation from service or based on a specified distribution schedule, as elected by the participant. Deferred compensation liabilities of $46 million and $43 million were included in other liabilities in the accompanying consolidated balance sheets at December 31, 2024 and 2023, respectively. Deferred compensation expense was not material for the years ended December 31, 2024, 2023 and 2022. BankUnited 401(k) Plan

Regulatory Requirements and Res

Regulatory Requirements and Restrictions	12 Months Ended
	Dec. 31, 2024
Banking and Thrift, Other Disclosure [Abstract]
Regulatory Capital Requirements under Banking Regulations [Text Block]	Note 13 Regulatory Requirements and Restrictions The Company and the Bank are subject to various regulatory capital requirements administered by Federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities and certain off-balance-sheet items calculated pursuant to regulation. The capital amounts and classification also are subject to qualitative judgments by the regulators about components, risk weightings and other factors. Banking regulations identify five capital categories for insured depository institutions: well-capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized. As of December 31, 2024 and 2023, all capital ratios of the Company and the Bank exceeded the "well capitalized" levels under the regulatory framework for prompt corrective action. Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios of total, common equity tier 1 and tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of tier 1 capital to average tangible assets (leverage ratio). The following tables provide information regarding regulatory capital for the Company at the dates indicated (dollars in thousands): December 31, 2024 Actual Required to be Required to be Required to be Considered Amount Ratio Amount Ratio Amount Ratio Amount Ratio BankUnited, Inc.: Tier 1 leverage $ 3,024,425 8.48 % N/A (1) N/A (1) $ 1,425,865 4.00 % N/A (1) N/A (1) CET1 risk-based capital $ 3,024,425 12.01 % $ 1,636,789 6.50 % $ 1,133,162 4.50 % $ 1,762,696 7.00 % Tier 1 risk-based capital $ 3,024,425 12.01 % $ 2,014,510 8.00 % $ 1,510,883 6.00 % $ 2,140,417 8.50 % Total risk-based capital $ 3,548,872 14.09 % $ 2,518,138 10.00 % $ 2,014,510 8.00 % $ 2,644,044 10.50 % BankUnited: Tier 1 leverage $ 3,444,673 9.67 % $ 1,780,805 5.00 % $ 1,424,644 4.00 % N/A N/A CET1 risk-based capital $ 3,444,673 13.70 % $ 1,634,262 6.50 % $ 1,131,412 4.50 % $ 1,759,974 7.00 % Tier 1 risk-based capital $ 3,444,673 13.70 % $ 2,011,399 8.00 % $ 1,508,549 6.00 % $ 2,137,112 8.50 % Total risk-based capital $ 3,669,120 14.59 % $ 2,514,249 10.00 % $ 2,011,399 8.00 % $ 2,639,961 10.50 % December 31, 2023 Actual Required to be Required to be Required to be Considered Amount Ratio Amount Ratio Amount Ratio Amount Ratio BankUnited, Inc.: Tier 1 leverage $ 2,865,758 7.93 % N/A (1) N/A (1) $ 1,446,093 4.00 % N/A (1) N/A (1) CET1 risk-based capital $ 2,865,758 11.39 % $ 1,635,794 6.50 % $ 1,132,472 4.50 % $ 1,761,624 7.00 % Tier 1 risk-based capital $ 2,865,758 11.39 % $ 2,013,284 8.00 % $ 1,509,963 6.00 % $ 2,139,115 8.50 % Total risk-based capital $ 3,366,597 13.38 % $ 2,516,605 10.00 % $ 2,013,284 8.00 % $ 2,642,436 10.50 % BankUnited: Tier 1 leverage $ 3,287,884 9.11 % $ 1,805,277 5.00 % $ 1,444,221 4.00 % N/A N/A CET1 risk-based capital $ 3,287,884 13.09 % $ 1,632,880 6.50 % $ 1,130,456 4.50 % $ 1,758,486 7.00 % Tier 1 risk-based capital $ 3,287,884 13.09 % $ 2,009,699 8.00 % $ 1,507,274 6.00 % $ 2,135,305 8.50 % Total risk-based capital $ 3,488,723 13.89 % $ 2,512,124 10.00 % $ 2,009,699 8.00 % $ 2,637,730 10.50 % (1) There is no Tier 1 leverage ratio component in the definition of a well-capitalized bank holding company. Upon the adoption of ASU 2016-13 effective January 1, 2020, the Company elected the option to temporarily delay the effects of CECL on regulatory capital for two years, followed by a three-year transition period. The CECL deferral will be fully phased in beginning January 1, 2025. BankUnited is subject to various regulatory restrictions relating to the payment of dividends, including requirements to maintain capital at or above certain minimums, and to remain "well-capitalized" under the prompt corrective action regulations. The Company does not expect that any of these laws, regulations or policies will materially affect the ability of BankUnited to pay dividends in the foreseeable future.
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	The following tables provide information regarding regulatory capital for the Company at the dates indicated (dollars in thousands): December 31, 2024 Actual Required to be Required to be Required to be Considered Amount Ratio Amount Ratio Amount Ratio Amount Ratio BankUnited, Inc.: Tier 1 leverage $ 3,024,425 8.48 % N/A (1) N/A (1) $ 1,425,865 4.00 % N/A (1) N/A (1) CET1 risk-based capital $ 3,024,425 12.01 % $ 1,636,789 6.50 % $ 1,133,162 4.50 % $ 1,762,696 7.00 % Tier 1 risk-based capital $ 3,024,425 12.01 % $ 2,014,510 8.00 % $ 1,510,883 6.00 % $ 2,140,417 8.50 % Total risk-based capital $ 3,548,872 14.09 % $ 2,518,138 10.00 % $ 2,014,510 8.00 % $ 2,644,044 10.50 % BankUnited: Tier 1 leverage $ 3,444,673 9.67 % $ 1,780,805 5.00 % $ 1,424,644 4.00 % N/A N/A CET1 risk-based capital $ 3,444,673 13.70 % $ 1,634,262 6.50 % $ 1,131,412 4.50 % $ 1,759,974 7.00 % Tier 1 risk-based capital $ 3,444,673 13.70 % $ 2,011,399 8.00 % $ 1,508,549 6.00 % $ 2,137,112 8.50 % Total risk-based capital $ 3,669,120 14.59 % $ 2,514,249 10.00 % $ 2,011,399 8.00 % $ 2,639,961 10.50 % December 31, 2023 Actual Required to be Required to be Required to be Considered Amount Ratio Amount Ratio Amount Ratio Amount Ratio BankUnited, Inc.: Tier 1 leverage $ 2,865,758 7.93 % N/A (1) N/A (1) $ 1,446,093 4.00 % N/A (1) N/A (1) CET1 risk-based capital $ 2,865,758 11.39 % $ 1,635,794 6.50 % $ 1,132,472 4.50 % $ 1,761,624 7.00 % Tier 1 risk-based capital $ 2,865,758 11.39 % $ 2,013,284 8.00 % $ 1,509,963 6.00 % $ 2,139,115 8.50 % Total risk-based capital $ 3,366,597 13.38 % $ 2,516,605 10.00 % $ 2,013,284 8.00 % $ 2,642,436 10.50 % BankUnited: Tier 1 leverage $ 3,287,884 9.11 % $ 1,805,277 5.00 % $ 1,444,221 4.00 % N/A N/A CET1 risk-based capital $ 3,287,884 13.09 % $ 1,632,880 6.50 % $ 1,130,456 4.50 % $ 1,758,486 7.00 % Tier 1 risk-based capital $ 3,287,884 13.09 % $ 2,009,699 8.00 % $ 1,507,274 6.00 % $ 2,135,305 8.50 % Total risk-based capital $ 3,488,723 13.89 % $ 2,512,124 10.00 % $ 2,009,699 8.00 % $ 2,637,730 10.50 %

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2024
Fair Value Disclosures [Abstract]
Fair Value Measurements	Note 14 Fair Value Measurements Assets and liabilities measured at fair value on a recurring basis The following is a description of the methodologies used to estimate the fair values of assets and liabilities measured at fair value on a recurring basis and the level within the fair value hierarchy in which those measurements are typically classified. Investment securities available for sale and marketable equity securities —Fair value measurements are based on quoted prices in active markets when available; these measurements are classified within level 1 of the fair value hierarchy. These securities typically include U.S. Treasury securities and certain preferred stocks. If quoted prices in active markets are not available, fair values are estimated using quoted prices of securities with similar characteristics, quoted prices of identical securities in less active markets, discounted cash flow techniques, or matrix pricing models. These securities are generally classified within level 2 of the fair value hierarchy and include U.S. Government agency securities, U.S. Government agency and sponsored enterprise MBS, preferred stock investments for which level 1 valuations are not available, non-mortgage asset-backed securities, single family real estate-backed securities, private label residential MBS and CMOs, private label commercial MBS, collateralized loan obligations and state and municipal obligations. Pricing of these securities is generally primarily spread driven. Observable inputs that may impact the valuation of these securities include benchmark yield curves, credit spreads, reported trades, dealer quotes, bids, issuer spreads, current rating, historical constant prepayment rates, historical voluntary prepayment rates, structural and waterfall features of individual securities, published collateral data, and for certain securities, historical constant default rates and default severities. The Company uses third-party pricing services in determining fair value measurements for investment securities. To obtain an understanding of the methodologies and assumptions used, management reviews written documentation provided by the pricing services, conducts interviews with valuation desk personnel and reviews model results and detailed assumptions used to value selected securities as considered necessary. Management has established a robust price challenge process that includes a review by the treasury front office of all prices provided on a quarterly basis. Any price evidencing significant unexpected quarter over quarter fluctuations or deviations from expectations is challenged. The Company has also established a quarterly process whereby prices provided by its primary pricing service are validated by obtaining a price from a second external source for most securities in the portfolio. If considered necessary to resolve any discrepancies, a price will be obtained from an additional independent valuation source. The Company does not typically adjust the prices provided, other than through this established challenge process. The results of price challenges are subject to review by executive management. Any price discrepancies are resolved based on careful consideration of the assumptions and inputs employed by each of the pricing sources. Derivative financial instruments —Fair values of interest rate derivatives are determined using widely accepted discounted cash flow modeling techniques. These discounted cash flow models use projections of future cash payments and receipts that are discounted at mid-market rates. Observable inputs that may impact the valuation of these instruments include benchmark swap rates and benchmark forward yield curves. These fair value measurements are generally classified within level 2 of the fair value hierarchy. The following tables present assets and liabilities measured at fair value on a recurring basis at the dates indicated (in thousands): December 31, 2024 Level 1 Level 2 Total Investment securities available for sale: U.S. Treasury securities $ 202,952 $ — $ 202,952 U.S. Government agency and sponsored enterprise residential MBS — 2,649,690 2,649,690 U.S. Government agency and sponsored enterprise commercial MBS — 495,753 495,753 Private label residential MBS and CMOs — 2,238,046 2,238,046 Private label commercial MBS — 1,784,029 1,784,029 Single family real estate-backed securities — 327,081 327,081 Collateralized loan obligations — 1,132,699 1,132,699 Non-mortgage asset-backed securities — 94,454 94,454 State and municipal obligations — 104,010 104,010 SBA securities — 72,702 72,702 Marketable equity securities 28,828 — 28,828 Derivative assets — 85,132 85,132 Total assets at fair value $ 231,780 $ 8,983,596 $ 9,215,376 Derivative liabilities $ — $ (85,899) $ (85,899) Total liabilities at fair value $ — $ (85,899) $ (85,899) December 31, 2023 Level 1 Level 2 Total Investment securities available for sale: U.S. Treasury securities $ 130,592 $ — $ 130,592 U.S. Government agency and sponsored enterprise residential MBS — 1,924,207 1,924,207 U.S. Government agency and sponsored enterprise commercial MBS — 497,859 497,859 Private label residential MBS and CMOs — 2,295,730 2,295,730 Private label commercial MBS — 2,198,743 2,198,743 Single family real estate-backed securities — 366,255 366,255 Collateralized loan obligations — 1,112,824 1,112,824 Non-mortgage asset-backed securities — 102,780 102,780 State and municipal obligations — 102,618 102,618 SBA securities — 103,024 103,024 Marketable equity securities 32,722 — 32,722 Derivative assets — 105,678 105,678 Total assets at fair value $ 163,314 $ 8,809,718 $ 8,973,032 Derivative liabilities $ — $ (97,166) $ (97,166) Total liabilities at fair value $ — $ (97,166) $ (97,166) Assets and liabilities measured at fair value on a non-recurring basis The following is a description of the methodologies used to estimate the fair values of assets and liabilities that may be measured at fair value on a non-recurring basis, and the level within the fair value hierarchy in which those measurements are typically classified: Collateral dependent loans and OREO —The carrying amount of collateral dependent loans is typically based on the fair value of the underlying collateral, which may be real estate, enterprise value or other business assets, less estimated costs to sell when repayment is expected to come from the sale of the collateral. The carrying value of OREO is initially measured based on the fair value of the real estate acquired in foreclosure and subsequently adjusted to the lower of cost or estimated fair value, less estimated cost to sell. Fair values of real estate collateral and OREO are typically based on third-party real estate appraisals which utilize market and income approaches to valuation incorporating both observable and unobservable inputs. Fair value measurements related to collateral dependent loans and OREO are generally classified within level 3 of the fair value hierarchy. The following table presents the net carrying value of assets classified within level 3 of the fair value hierarchy at the dates indicated, for which non-recurring changes in fair value were recorded during the period then ended (in thousands): December 31, 2024 December 31, 2023 Collateral dependent loans $ 165,951 $ 50,885 OREO 2,577 29 $ 168,528 $ 50,914 The following table presents the carrying value and fair value of financial instruments and the level within the fair value hierarchy in which those measurements are classified at the dates indicated (dollars in thousands): December 31, 2024 December 31, 2023 Level Carrying Value Fair Value Carrying Value Fair Value Assets: Cash and cash equivalents 1 $ 491,116 $ 491,116 $ 588,283 $ 588,283 Investment securities 1/2 $ 9,130,244 $ 9,130,244 $ 8,877,354 $ 8,877,281 Non-marketable equity securities 2 $ 206,297 $ 206,297 $ 310,084 $ 310,084 Loans, net 3 $ 24,074,827 $ 23,053,011 $ 24,430,995 $ 23,075,192 Derivative assets 2 $ 85,132 $ 85,132 $ 105,678 $ 105,678 Liabilities: Demand, savings and money market deposits 2 $ 23,564,414 $ 23,564,414 $ 21,374,483 $ 21,374,483 Time deposits 2 $ 4,301,289 $ 4,279,475 $ 5,163,995 $ 5,133,119 FHLB advances 2 $ 2,930,000 $ 2,929,896 $ 5,115,000 $ 5,115,637 Notes and other borrowings 2 $ 708,553 $ 695,457 $ 708,973 $ 676,077 Derivative liabilities 2 $ 85,899 $ 85,899 $ 97,166 $ 97,166

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2024
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Note 15 Commitments and Contingencies The Company issues off-balance sheet financial instruments to meet the financing needs of its customers. These financial instruments include commitments to fund loans, unfunded commitments under existing lines of credit, and commercial and standby letters of credit. These commitments expose the Company to varying degrees of credit and market risk which are essentially the same as those involved in extending loans to customers, and are subject to the same credit policies used in underwriting loans. Collateral may be obtained based on the Company’s credit evaluation of the counterparty. The Company’s maximum exposure to credit loss is represented by the contractual amount of these commitments. Commitments to fund loans These are agreements to lend funds to customers as long as there is no violation of any condition established in the contract. Commitments to fund loans generally have fixed expiration dates or other termination clauses and may require payment of a fee. Many of these commitments are expected to expire without being funded and, therefore, the total commitment amounts do not necessarily represent future liquidity requirements. Unfunded commitments under lines of credit Unfunded commitments under lines of credit include commercial and commercial real estate lines of credit to existing customers, for many of which additional extensions of credit are subject to borrowing base requirements. Some of these commitments may mature without being fully funded, so may not necessarily represent future liquidity requirements. Commercial and standby letters of credit Letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. These letters of credit are primarily issued to support trade transactions or guarantee arrangements. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. Total lending related commitments outstanding at December 31, 2024 were as follows (in thousands): Commitments to fund loans $ 261,634 Unfunded commitments under lines of credit 4,676,612 Commercial and standby letters of credit 171,985 $ 5,110,231 Legal Proceedings The Company is involved in various legal actions arising in the normal course of business. In the opinion of management, based upon advice of legal counsel, the likelihood is remote that the adverse impact of these proceedings, either individually or in the aggregate, would be material to the Company’s consolidated financial position, results of operations or cash flows.

Condensed Financial Statements

Condensed Financial Statements of BankUnited, Inc.	12 Months Ended
	Dec. 31, 2024
Condensed Financial Statements [Abstract]
Condensed Financial Statements	Note 16 Condensed Financial Statements of BankUnited, Inc. Condensed financial statements of BankUnited, Inc. are presented below (in thousands): Condensed Balance Sheets December 31, 2024 December 31, 2023 Assets: Cash and cash equivalents $ 274,350 $ 262,036 Marketable equity securities, at fair value 28,828 32,722 Investment in BankUnited, N.A. 3,233,366 2,999,190 Other assets 7,423 7,739 Total assets $ 3,543,967 $ 3,301,687 Liabilities and Stockholders' Equity: Notes payable $ 683,924 $ 682,472 Other liabilities 45,725 41,294 Stockholders' equity 2,814,318 2,577,921 Total liabilities and stockholders' equity $ 3,543,967 $ 3,301,687 Condensed Statements of Income Years Ended December 31, 2024 2023 2022 Income: Interest and dividends on investment securities $ 1,729 $ 3,751 $ 5,047 Service fees from subsidiary 16,775 16,749 17,185 Equity in earnings of subsidiary 276,296 225,288 338,911 Gain (loss) on investment securities 1,053 (11,555) (19,732) Gain on extinguishment of debt — 904 — Total 295,853 235,137 341,411 Expense: Interest on borrowings 35,765 36,057 36,210 Employee compensation and benefits 34,624 28,271 29,189 Other 4,097 4,995 3,857 Total 74,486 69,323 69,256 Income before income taxes 221,367 165,814 272,155 Benefit for income taxes (11,100) (12,857) (12,816) Net income $ 232,467 $ 178,671 $ 284,971 Condensed Statements of Cash Flows Years Ended December 31, 2024 2023 2022 Cash flows from operating activities: Net income $ 232,467 $ 178,671 $ 284,971 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed earnings of subsidiaries (161,296) (140,288) 266,089 Equity based compensation 21,573 26,315 25,179 Other 5,046 8,936 1,858 Net cash provided by operating activities 97,790 73,634 578,097 Cash flows from investing activities: Proceeds from sale, maturities and calls of investment securities 5,000 73,962 10,000 Other — (160) — Net cash provided by investing activities 5,000 73,802 10,000 Cash flows from financing activities: Dividends paid (85,513) (79,091) (79,443) Repurchase of common stock — (55,154) (401,288) Repurchase of senior notes — (10,554) — Other (4,963) (6,883) (5,296) Net cash used in financing activities (90,476) (151,682) (486,027) Net increase (decrease) in cash and cash equivalents 12,314 (4,246) 102,070 Cash and cash equivalents, beginning of period 262,036 266,282 164,212 Cash and cash equivalents, end of period $ 274,350 $ 262,036 $ 266,282 Supplemental schedule of non-cash investing and financing activities: Dividends declared, not paid $ 22,176 $ 20,706 $ 19,346 Dividends received by BankUnited, Inc. from the Bank totaled $115 million, $85 million and $605 million for the years ended December 31, 2024, 2023 and 2022, respectively.

Quarterly Financial Information

Quarterly Financial Information (Unaudited)	12 Months Ended
	Dec. 31, 2024
Quarterly Financial Information Disclosure [Abstract]
Quarterly Financial Information (Unaudited)	Quarterly Financial Information (Unaudited) Financial information by quarter for the periods indicated follows (in thousands, except per share data): 2024 Fourth Quarter Third Quarter Second Quarter First Quarter Total Interest income $ 467,988 $ 492,356 $ 483,298 $ 481,474 $ 1,925,116 Interest expense 228,729 258,228 257,276 266,617 1,010,850 Net interest income before provision for credit losses 239,259 234,128 226,022 214,857 914,266 Provision for credit losses 11,001 9,248 19,538 15,285 55,072 Net interest income after provision for credit losses 228,258 224,880 206,484 199,572 859,194 Non-interest income 25,205 22,888 24,185 26,877 99,155 Non-interest expense 160,472 164,582 157,706 159,240 642,000 Income before income taxes 92,991 83,186 72,963 67,209 316,349 Provision for income taxes 23,689 21,734 19,230 19,229 83,882 Net income $ 69,302 $ 61,452 $ 53,733 $ 47,980 $ 232,467 Earnings per common share, basic $ 0.92 $ 0.82 $ 0.72 $ 0.64 $ 3.10 Earnings per common share, diluted $ 0.91 $ 0.81 $ 0.72 $ 0.64 $ 3.08 2023 Fourth Quarter Third Quarter Second Quarter First Quarter Total Interest income $ 483,205 $ 470,539 $ 463,421 $ 440,416 $ 1,857,581 Interest expense 265,995 255,697 249,543 212,542 983,777 Net interest income before provision for credit losses 217,210 214,842 213,878 227,874 873,804 Provision for credit losses 19,253 33,049 15,517 19,788 87,607 Net interest income after provision for credit losses 197,957 181,793 198,361 208,086 786,197 Non-interest income 17,092 27,724 25,487 16,535 86,838 Non-interest expense 190,863 147,090 145,218 152,780 635,951 Income before income taxes 24,186 62,427 78,630 71,841 237,084 Provision for income taxes 3,374 15,446 20,634 18,959 58,413 Net income $ 20,812 $ 46,981 $ 57,996 $ 52,882 $ 178,671 Earnings per common share, basic $ 0.27 $ 0.63 $ 0.78 $ 0.71 $ 2.39 Earnings per common share, diluted $ 0.27 $ 0.63 $ 0.78 $ 0.70 $ 2.38

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2024	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Pay vs Performance Disclosure
Net income	$ 69,302	$ 61,452	$ 53,733	$ 47,980	$ 20,812	$ 46,981	$ 57,996	$ 52,882	$ 232,467	$ 178,671	$ 284,971

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Dec. 31, 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

Insider Trading Policies and Pr

Insider Trading Policies and Procedures	12 Months Ended
	Dec. 31, 2024
Insider Trading Policies and Procedures [Line Items]
Insider Trading Policies and Procedures Adopted	true

Cybersecurity Risk Management a

Cybersecurity Risk Management and Strategy Disclosure	12 Months Ended
	Dec. 31, 2024
Cybersecurity Risk Management, Strategy, and Governance [Line Items]
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]	We are committed to maintaining robust governance, oversight and management of cybersecurity risk. We have established and implemented processes, supported by written policies and procedures, to detect, assess, classify, respond to, report, track, and resolve cybersecurity threats or incidents. We have implemented systems and controls to address the information technology risks to our organization, our business partners and our customers. We employ a layered security approach leveraging diverse strategies including data loss prevention, identity and access management, network security, vulnerability management, end-point security and information security education and awareness, among others. As a federally regulated institution, the Company strongly supports an environment that facilitates and abides by the Confidentiality, Integrity, and Availability security principles. Our risk-based policies, procedures, and practices are integrated into our overall risk management program and have been implemented across the organization to manage and mitigate risks from cybersecurity threats. We continuously assess risks from cybersecurity threats and monitor our information systems for potential vulnerabilities. We conduct regular reviews and tests of our information security program including penetration and vulnerability testing, and other exercises to evaluate the effectiveness of our program and improve our cybersecurity posture. These evaluations provide the Company with an unbiased view of its environment and controls. All identified cybersecurity incidents, technology outages or failures and vulnerabilities identified during these assessments are inventoried in a centralized tracking system and reported to impacted users and to management on a regular basis. A multi-step approach is applied to identify, prioritize, report, and remediate these vulnerabilities. Response and resolution times (commonly known as SLAs) are established for remediation of any incidents or outages detected, depending on their nature and potential impact. Our cybersecurity policies, procedures and practices are integrated with our overall risk management program by inclusion of cybersecurity and information systems metrics in our enterprise-wide comprehensive risk assessment process and risk appetite statement, the involvement of our Chief Risk Officer in the MAT and oversight of cybersecurity risk by our Enterprise Risk Management Committee and the Risk Committee of the Board of Directors. We have engaged cybersecurity service provider experts and maintain an industry-leading incident response retainer to further enhance our cybersecurity safeguards and support our processes for assessing, identifying, and managing material risks from cybersecurity threats. Our third-party experts perform assessments that aid us in effectively detecting and responding to evolving cybersecurity threats and, in the event of a cybersecurity incident, our experts will assist us with incident response support, digital forensics and incident remediation. The Company’s third-party risk management framework and processes have been aligned with regulatory requirements and with industry best practices to oversee and identify risks from cybersecurity threats associated with use of third-party service providers. We take a risk-based approach in performing cybersecurity assessments of third-party service providers at the time of onboarding, as part of regular ongoing monitoring, at the time of contract renewal, and upon detection of any increase in risk profile. Our information security division collaborates with our third-party risk management unit to evaluate the information technology and security programs of significant third party service providers. As applicable, these reviews evaluate the design and operational effectiveness of information technology and security related controls employed by service providers. In addition, the third party’s information technology and security policies and procedures are evaluated to form an overall opinion of the third-party service provider's technology and information security posture. The Company has developed a training program to educate employees about its cybersecurity policies and standards, best practices, and potential threats to instill a culture of cybersecurity awareness and compliance throughout the organization. The training program includes, but is not limited to, ongoing and targeted training on topics such as social engineering, mobile security, data handling and protection, password security and incident reporting. All employees are required to participate in the training. In 2022, Clarium Managed Services, LLC conducted a Cybersecurity Assessment for the Bank. The assessment gauged the overall Cybersecurity Risk Posture of the Bank and resulted in a score of 4.8 on a scale of 0 to 5. The next independent evaluation is planned for 2025. In the last three fiscal years, the Company has not identified any material cybersecurity incidents. No specific identified cybersecurity threats or incidents, including those resulting from any previous cybersecurity incidents, have materially affected, or are reasonably likely to materially affect, the Company, including its business strategy, results of operations or financial condition. See Item 1A "Risk Factors" for a further discussion of our cybersecurity risks.
Cybersecurity Risk Management Processes Integrated [Flag]	true
Cybersecurity Risk Management Processes Integrated [Text Block]	Our risk-based policies, procedures, and practices are integrated into our overall risk management program and have been implemented across the organization to manage and mitigate risks from cybersecurity threats.
Cybersecurity Risk Management Third Party Engaged [Flag]	true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]	true
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]	false
Cybersecurity Risk Board of Directors Oversight [Text Block]	The Risk Committee of the Board of Directors is ultimately responsible for oversight of cybersecurity risk, the Company's information risk management function, and the effective implementation of its cybersecurity program.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]	At the management level, the CISO leads the ongoing technical and business functions that include cybersecurity, information assurance, network security, systems engineering, and information security management.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]	At the management level, the CISO leads the ongoing technical and business functions that include cybersecurity, information assurance, network security, systems engineering, and information security management. A dedicated information security division reports to the CISO. The CISO has over 30 years of experience in information security including physical, cyber, IT, disaster recovery, business continuity planning, secure software development, and cloud services and security, among others. The CISO holds multiple designations from the International Information System Security Certification Consortium, including Certified Information Systems Security Professional and has been a member of various boards including IT, Cybersecurity and Enterprise Risk Committees. Organizationally, the CISO reports to the CRO and provides reporting directly to the Risk Committee of the Board of Directors. The Company has designated the MAT to assess and oversee the management and reporting of identified potentially material cybersecurity threats or incidents. The MAT convenes when a qualifying cybersecurity threat is identified by the CIO, the CISO, or their designees in accordance with established processes and procedures. The MAT has the responsibility to determine whether a cybersecurity threat or incident is material and oversee appropriate reporting. The MAT is also responsible for communicating to the Risk Committee any material cybersecurity threats or incidents.
Cybersecurity Risk Role of Management [Text Block]	At the management level, the CISO leads the ongoing technical and business functions that include cybersecurity, information assurance, network security, systems engineering, and information security management. A dedicated information security division reports to the CISO. The CISO has over 30 years of experience in information security including physical, cyber, IT, disaster recovery, business continuity planning, secure software development, and cloud services and security, among others. The CISO holds multiple designations from the International Information System Security Certification Consortium, including Certified Information Systems Security Professional and has been a member of various boards including IT, Cybersecurity and Enterprise Risk Committees. Organizationally, the CISO reports to the CRO and provides reporting directly to the Risk Committee of the Board of Directors. The Company has designated the MAT to assess and oversee the management and reporting of identified potentially material cybersecurity threats or incidents. The MAT convenes when a qualifying cybersecurity threat is identified by the CIO, the CISO, or their designees in accordance with established processes and procedures. The MAT has the responsibility to determine whether a cybersecurity threat or incident is material and oversee appropriate reporting. The MAT is also responsible for communicating to the Risk Committee any material cybersecurity threats or incidents.
Cybersecurity Risk Management Positions or Committees Responsible [Flag]	true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block]	The CISO reports routinely, typically at each of its regularly scheduled meetings, to the Risk Committee on matters including the Company's cybersecurity program, cybersecurity threats and the cybersecurity threat environment. The Risk Committee formally approves the Company's cybersecurity policy and program annually, and more frequently if material changes are adopted.
Cybersecurity Risk Management Expertise of Management Responsible [Text Block]	The CISO has over 30 years of experience in information security including physical, cyber, IT, disaster recovery, business continuity planning, secure software development, and cloud services and security, among others.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]	The CISO reports routinely, typically at each of its regularly scheduled meetings, to the Risk Committee on matters including the Company's cybersecurity program, cybersecurity threats and the cybersecurity threat environment. The Risk Committee formally approves the Company's cybersecurity policy and program annually, and more frequently if material changes are adopted. At the management level, the CISO leads the ongoing technical and business functions that include cybersecurity, information assurance, network security, systems engineering, and information security management. A dedicated information security division reports to the CISO. The CISO has over 30 years of experience in information security including physical, cyber, IT, disaster recovery, business continuity planning, secure software development, and cloud services and security, among others. The CISO holds multiple designations from the International Information System Security Certification Consortium, including Certified Information Systems Security Professional and has been a member of various boards including IT, Cybersecurity and Enterprise Risk Committees. Organizationally, the CISO reports to the CRO and provides reporting directly to the Risk Committee of the Board of Directors. The Company has designated the MAT to assess and oversee the management and reporting of identified potentially material cybersecurity threats or incidents. The MAT convenes when a qualifying cybersecurity threat is identified by the CIO, the CISO, or their designees in accordance with established processes and procedures. The MAT has the responsibility to determine whether a cybersecurity threat or incident is material and oversee appropriate reporting. The MAT is also responsible for communicating to the Risk Committee any material cybersecurity threats or incidents.
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]	true

Basis of Presentation and Sum_2

Basis of Presentation and Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Accounting Estimates	Accounting Estimates In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenues, expenses and disclosures of contingent assets and liabilities. Actual results could differ significantly from these estimates.
Principles of Consolidation	Principles of Consolidation The consolidated financial statements include the accounts of BankUnited, Inc. and its wholly-owned subsidiary. All significant intercompany balances and transactions have been eliminated in consolidation. VIEs are consolidated if the Company is the primary beneficiary; i.e., has (i) the power to direct the activities of the VIE that most significantly impact the VIE's economic performance and (ii) the obligation to absorb losses or the right to receive benefits that could potentially be significant to the VIE. The Company has variable interests in affordable housing limited partnerships that are not required to be consolidated because the Company is not the primary beneficiary.
Fair Value Measurements	Fair Value Measurements Certain of the Company's assets and liabilities are reflected in the consolidated financial statements at fair value on either a recurring or non-recurring basis. Investment securities AFS, marketable equity securities and derivative instruments are measured at fair value on a recurring basis. Assets measured at fair value or fair value less cost to sell on a non-recurring basis may include collateral dependent loans, OREO and other repossessed assets, loans held for sale, goodwill and impaired long-lived assets. These non-recurring fair value measurements typically involve lower-of-cost-or-market accounting or the measurement of impairment of certain assets. Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants at the measurement date. GAAP establishes a hierarchy that prioritizes inputs used to determine fair value measurements into three levels based on the observability and transparency of the inputs: • Level 1 inputs are unadjusted quoted prices in active markets that are accessible at the measurement date for identical assets or liabilities. • Level 2 inputs are observable inputs other than level 1 inputs, including quoted prices for similar assets and liabilities, quoted prices for identical assets and liabilities in less active markets and other inputs that can be corroborated by observable market data. • Level 3 inputs are unobservable inputs supported by limited or no market activity or data and inputs requiring significant management judgment or estimation. The fair value hierarchy requires the Company to maximize the use of observable inputs and minimize the use of unobservable inputs in estimating fair value. Unobservable inputs are utilized in determining fair value measurements only to the extent that observable inputs are unavailable. The need to use unobservable inputs generally results from a lack of market liquidity and diminished observability of actual trades or assumptions that would otherwise be available to value a particular asset or liability.
Cash and Cash Equivalents	Cash and Cash Equivalents Cash and cash equivalents include cash and due from banks, both interest bearing and non-interest bearing, including amounts on deposit at the Federal Reserve Bank. Cash equivalents have original maturities of three months or less. For purposes of reporting cash flows, cash receipts and payments pertaining to FHLB advances with original maturities of three months or less are reported net.
Investment Securities	Investment Securities Debt securities that the Company has the positive intent and ability to hold to maturity are classified as held to maturity and reported at amortized cost. Debt securities that the Company may not have the intent to hold to maturity are classified as available-for-sale at the time of acquisition and carried at fair value with unrealized gains and losses, net of tax, excluded from earnings and reported in AOCI, a separate component of stockholders' equity. Securities classified as AFS may be used as part of the Company's asset/liability management strategy and may be sold in response to liquidity needs, regulatory changes, changes in interest rates, prepayment risk or other market factors. The Company does not maintain a trading portfolio. Purchase premiums and discounts on debt securities are amortized as adjustments to yield over the expected lives of the securities, using the interest method which results in a constant effective yield. Premiums are amortized to the call date for callable securities. Realized gains and losses from sales of securities are recorded on the trade date and are determined using the specific identification method. The Company's policy on the ACL related to debt securities is discussed below in the section entitled "ACL".
Nonmarketable Equity Securities	Non-marketable Equity Securities The Bank, as a member of the FRB system and the FHLB, is required to maintain investments in the stock of the FRB and FHLB. No market exists for this stock, and the investment can be liquidated only through redemption by the respective institutions, at the discretion of and subject to conditions imposed by those institutions. The stock has no readily determinable fair value and is carried at cost. Historically, stock redemptions have been at par value, which equals the Company's carrying value. The Company monitors its investment in FHLB stock for impairment through review of recent financial results of the FHLB, including capital adequacy and liquidity position, dividend payment history, redemption history and information from credit agencies. The Company has not identified any indicators of impairment of the FRB or FHLB stock.
Loans Held-for-sale	Loans Held for Sale Loans originated or purchased with the intent to sell are carried at the lower of cost or fair value.. A valuation allowance is established through a charge to earnings if the aggregate fair value of such loans is lower than their cost. Gains or losses recognized upon sale are determined on a specific identification basis. Loans not originated or otherwise acquired with the intent to sell, or loans which have been originated by the Company and subsequently held for sale, are transferred into the held for sale classification at the lower of carrying amount or fair value when they are specifically identified for sale and a formal plan exists to sell them.
Loans	Sales-type and Direct Financing Leases Sales-type and direct financing leases are carried at the aggregate of lease payments receivable and estimated residual value of the leased property, if applicable, less unearned income. Interest income is recognized over the term of the leases to achieve a constant periodic rate of return on the outstanding investment.
PCD assets	PCD assets PCD assets are acquired financial assets that, as of the date of acquisition, have experienced a more than insignificant deterioration in credit quality since origination. An assessment is conducted at acquisition to determine whether acquired financial assets meet the criteria to be classified as PCD assets. That assessment may be conducted at the individual asset level, or for a group of assets acquired together that have similar risk characteristics. At acquisition, the ACL related to PCD assets, representing the estimated amount of the UPB of the assets not expected to be collected, is added to the purchase price to determine the amortized cost basis and any non-credit related discount or premium is allocated to the individual assets acquired. The non-credit related discount or premium is accreted or amortized to interest income over the life of the related assets using the level yield method, as long as there is a reasonable expectation about amounts expected to be collected. Subsequent changes in the amount of expected credit losses are recognized immediately by adjusting the ACL and reflecting the periodic changes as credit loss expense or reversal of credit loss expense.
ACL	ACL AFS Debt Securities The Company reviews its AFS debt securities for credit loss impairment at the individual security level at least quarterly. A security is impaired if its fair value is less than its amortized cost basis. A decline in fair value below amortized cost basis represents a credit loss impairment to the extent the Company does not expect to recover the amortized cost basis of the security. Impairment related to credit losses is recorded through the ACL to the extent fair value is less than the amortized cost basis. Declines in fair value that have not been recorded through the ACL are recorded through other comprehensive income, net of tax. In assessing whether an impairment is credit loss related, the Company compares the present value of cash flows expected to be collected to the security's amortized cost basis. If the present value of cash flows expected to be collected is less than the amortized cost basis of the security, a credit loss exists, and an ACL is recorded. The Company discounts expected cash flows at the effective interest rate implicit in the security at the purchase date, adjusted for expected prepayments. For floating rate securities, the Company uses the floating rate as it changes over the life of the security. In developing estimates about cash flows expected to be collected and determining whether a credit loss exists, the Company considers information about past events, current conditions and reasonable and supportable forecasts. Factors and information that the Company uses in making its assessments include, but are not necessarily limited to, the following: • The extent to which fair value is less than amortized cost; • Adverse conditions specifically related to the security, an industry or sector or geographic area; • Changes in the financial condition of the issuer or underlying loan obligors; • The payment structure and remaining payment terms of the security, including levels of subordination or over-collateralization; • Failure of the issuer to make scheduled payments; • Changes in credit ratings; • Relevant market data; • Estimated prepayments, defaults, and the value and performance of underlying collateral at the individual security level. The relative importance assigned to each of these factors varies depending on the facts and circumstances pertinent to the individual security being evaluated. Timely payment of principal and interest on securities issued by the U.S. government, U.S. government agencies and U.S. government sponsored entities is explicitly or implicitly guaranteed by the U.S. government. Therefore, the Company expects to recover the amortized cost basis of these securities. If the Company intends to sell a security in an unrealized loss position, or it is more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis, any allowance for credit losses will be written off and the amortized cost basis will be written down to the debt security’s fair value at the reporting date with any incremental impairment reported in earnings. AFS securities will be charged off to the extent that there is no reasonable expectation of recovery of amortized cost basis. AFS securities will be placed on non-accrual status if the Company does not reasonably expect to receive interest payments in the future and interest accrued will be reversed against interest income. Securities will be returned to accrual status only when collection of interest is reasonably assured. Loans The ACL is a valuation account that is deducted from the amortized cost basis of loans to present the net amount expected to be collected. The ACL is adjusted through the provision for credit losses to the amount of amortized cost basis not expected to be collected, or in the case of PCD loans, the amount of UPB not expected to be collected, at the balance sheet date. Amortized cost basis includes UPB, unamortized premiums or discounts and deferred fees and costs, net of amounts previously charged off. The measurement of expected credit losses encompasses information about historical events, current conditions and reasonable and supportable forecasts. Determining the amount of the ACL is complex and requires extensive judgment by management about matters that are inherently uncertain. Re-evaluation of the ACL estimate in future periods, in light of changes in composition and characteristics of the loan portfolio, changes in the reasonable and supportable forecast and other factors then prevailing may result in material changes in the amount of the ACL and credit loss expense in those future periods. Loans are charged off against the ACL in the period in which they are deemed uncollectible, and recoveries are credited to the ACL when received. Expected recoveries on loans previously charged off and expected to be charged-off, not to exceed the aggregate of amounts previously charged-off and expected to be charged-off, are included in the ACL estimate. For loans secured by residential real estate, an assessment of collateral value is made at no later than 120 days delinquency; any outstanding loan balance in excess of fair value less cost to sell is charged off at no later than 180 days delinquency. Additionally, any outstanding balance in excess of fair value of collateral less cost to sell is charged off (i) within 60 days of receipt of notification of filing from the bankruptcy court, (ii) within 60 days of determination of loss if all borrowers are deceased or (iii) within 90 days of discovery of fraudulent activity. Other consumer loans, which are not significant in the aggregate, are typically charged off at 120 days delinquency. Commercial loans are charged off when, in management's judgment, they are considered to be uncollectible. Expected credit losses are estimated on a collective basis for groups of loans that share similar risk characteristics. Factors that may be considered in aggregating loans for this purpose include but are not necessarily limited to, product or collateral type, industry, geography, internal risk rating, credit characteristics such as credit scores or collateral values, and historical or expected credit loss patterns. For loans that do not share similar risk characteristics with other loans such as collateral dependent loans, expected credit losses are estimated on an individual basis. Expected credit losses are estimated over the contractual terms of the loans, adjusted for expected prepayments. Expected prepayments for commercial loans are generally estimated based on the Company's historical experience. For residential loans, expected prepayments are estimated using a model that incorporates industry prepayment data, calibrated to reflect the Company's experience. The contractual term excludes expected extensions, renewals, and modifications unless the extension or renewal options are included in the original or modified contract at the reporting date and are not unconditionally cancellable by the Company. For the substantial majority of portfolio segments and subsegments, including residential loans other than government insured loans, and most commercial and commercial real estate loans, expected losses are estimated using econometric models. The models employ a factor based methodology, leveraging data sets containing extensive historical loss and recovery information by industry, geography, product type, collateral type and obligor characteristics, to estimate PD and LGD. Measures of PD for commercial loans incorporate current conditions through market cycle or credit cycle adjustments. For residential loans, the models consider FICO, adjusted LTVs and delinquency rates. PDs and LGDs are then conditioned on the reasonable and supportable economic forecast. Projected PDs and LGDs, determined based on pool level characteristics, are applied to estimated exposure at default, considering the contractual term and payment structure of loans, adjusted for expected prepayments, to generate estimates of expected loss. For criticized or classified loans, PDs are adjusted to benchmark PDs established for each risk rating given that the most current financial information available is often not reflective of the borrowers' current financial condition. The ACL estimate incorporates a reasonable and supportable economic forecast through the use of externally developed macroeconomic scenarios applied in the models. The length of the reasonable and supportable forecast period is evaluated at each reporting period and adjusted if deemed necessary. Currently, the Company uses a 2-year reasonable and supportable forecast period in estimating the ACL. After the reasonable and supportable forecast period, the models effectively revert to long-term mean losses on a straight-line basis over 12 months. A single economic scenario or a probability weighted blend of economic scenarios may be used. The models ingest numerous national, regional and MSA level variables and data points. Commercial Real Estate Model Variables with the most significant impact on the commercial real estate model include unemployment at both national and regional levels, the CRE property forecast by property type and sub-market, 10-year treasury yield, Baa corporate yield and real GDP growth, at the national level. Increases in unemployment and yields within the commercial real estate model result in increases in the ACL. Increases in real GDP growth and improvements in the CRE property forecasts reduce the reserve. Commercial Model Variables with the most significant impact on the commercial model include a stock market volatility index, the S&P 500 index, unemployment at both national and regional levels, and a variety of interest rates and spreads. Increases in the unemployment rate, the stock market volatility index, and the Baa corporate yield increase the reserve, while increases in real GDP growth reduce the reserve. Residential Model Variables with the most significant impact on the residential model include HPI and unemployment at regional levels, real GDP growth, and a 30-year mortgage rate. Increases in the unemployment rate and the 30-year mortgage rate increase the reserve, while increases in real GDP growth and HPI reduce the reserve. For certain less material portfolios including loans and leases to state and local government entities originated by Pinnacle, small balance commercial loans and consumer loans, the WARM method is used to estimate expected credit losses. Loss rates are applied to the exposure at default, after factoring in amortization and expected prepayments. For the Pinnacle portfolio, historical loss information is based on municipal historical default and recovery data, segmented by credit rating. For small balance commercial loans, historical loss information is based on the Company's historical loss experience over a five year period. For consumer loans, historical loss information is based on peer data; this portfolio subsegment is not significant. All loss estimates are conditioned as applicable on changes in current conditions and the reasonable and supportable economic forecast. Expected credit losses for the funded portion of mortgage warehouse lines of credit are estimated based primarily on the Company's historical loss experience, conditioned as applicable on changes in current conditions and the reasonable and supportable economic forecast. Generally, given the nature of these loans, losses would be expected to manifest within a very short time period after origination. The Company expects to collect the amortized cost basis of government insured residential loans due to the nature of the government guarantee, so the ACL is zero for these loans. Qualitative factors Quantitative models have certain inherent limitations with respect to estimating expected losses. These limitations may be more prevalent in times of rapidly changing or unprecedented economic conditions and forecasts. Qualitative adjustments are made to the ACL when, based on management’s judgment, there are factors impacting expected credit losses not taken into account by the quantitative calculations. Potential qualitative adjustments are categorized as follows: • Economic factors, including material uncertainties, trends and developments that, in management's judgment, may not have been adequately reflected in the reasonable and supportable economic forecast; • Credit policy and staffing, including the nature and level of policy and procedural exceptions or changes in credit policy not reflected in quantitative results, changes in the quality of underwriting and portfolio management and staff and issues identified by credit review, internal audit or regulators that may not be reflected in quantitative results; • Concentrations, considering whether the quantitative estimate adequately accounts for concentration risk in the portfolio; • Model imprecision and model validation findings; and • Other factors not adequately considered in the quantitative estimate or other qualitative categories identified by management that may materially impact the amount of expected credit losses. Collateral dependent loans Collateral dependent loans are those for which the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. These loans do not typically share similar risk characteristics with other loans and expected credit losses are evaluated on an individual basis. Loans evaluated individually are not included in the collective evaluation. Estimates of expected credit losses for collateral dependent loans, whether or not foreclosure is probable, are based on the fair value of the collateral, adjusted for selling costs when repayment depends on sale of the collateral. Due to immateriality, expected credit losses for collateral dependent commercial relationships with committed balances less than $1.0 million may be estimated collectively. Off-balance sheet credit exposures Expected credit losses related to off-balance sheet credit exposures are estimated over the contractual period for which the Company is exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by the Company. Expected credit losses are estimated using essentially the same methodologies employed to estimate expected credit losses on the amortized cost basis of loans, taking into consideration the likelihood and amount of additional amounts expected to be funded over the terms of the commitments. The liability for credit losses on off-balance sheet credit exposures is presented within other liabilities on the consolidated balance sheets, distinct from the ACL. Adjustments to the liability are included in the provision for credit losses. Prior to the adoption of ASU 2022-02 on January 1, 2023 For TDRs or loans for which there was a reasonable expectation that a TDR would be executed that were not collateral dependent, the credit loss estimate was determined by comparing the net present value of expected cash flows to the amortized cost basis of the loans. Expected cash flows were discounted at the loans' original effective interest rate for fixed rate loans and at the rate as it changed over the life of the loans for variable rate loans.
Accrued Interest Receivable	Accrued Interest Receivable The Company has elected to present accrued interest receivable separate from the amortized cost basis of financial assets carried at amortized cost. The Company excludes accrued interest receivable balances from tabular disclosures about financial assets carried at amortized cost. The Company generally does not estimate an ACL on accrued interest receivable balances since uncollectible accrued interest is timely written off in accordance with the Company's accounting policies for non-accrual loans. Under unusual circumstances, the Company evaluates whether its non-accrual policies continue to consistently provide for timely reversal of accrued interest receivable. If considered necessary, the Company records an allowance for uncollectible accrued interest receivable, determined using essentially the same methodologies used to estimate the ACL on the amortized cost basis of the related loans. The allowance is deducted from accrued interest receivable and presented within other assets on the consolidated balance sheets, distinct from the ACL. Changes in the ACL related to accrued interest receivable are included in the provision for credit losses.
Leases	Leases The Company determines whether a contract is or contains a lease at inception. For leases with terms greater than 12 months under which the Company is lessee, ROU assets and lease liabilities are recorded at the commencement date. Lease liabilities are initially recorded based on the present value of future lease payments over the lease term. ROU assets are initially recorded at the amount of the associated lease liabilities plus prepaid lease payments and initial direct costs, less any lease incentives received. The cost of short term leases is recognized on a straight line basis over the lease term. The lease term includes options to extend if the exercise of those options is reasonably certain and includes periods covered by termination options if there is reasonable certainty the options will not be exercised. Lease payments are discounted using the Company's FHLB borrowing rate for borrowings of a similar term unless an implicit rate is defined in the contract or is determinable, which is generally not the case. Leases are classified as financing or operating leases at commencement; generally, leases are classified as finance leases when effective control of the underlying asset is transferred. The substantial majority of leases under which the Company is lessee are classified as operating leases. For operating leases, lease cost is recognized in the consolidated statements of income on a straight line basis over the lease terms. For finance leases, interest expense on lease liabilities is recognized on the effective interest method and amortization of ROU assets is recognized on a straight line basis over the lease terms. Variable lease costs are recognized in the period in which the obligation for those costs is incurred. The Company has elected not to separate lease from non-lease components of its lease contracts.
Bank Owned Life Insurance	Bank Owned Life Insurance Bank owned life insurance is carried at cash surrender value. Changes in cash surrender value are recorded in non-interest income.
Operating Lease Equipment	Operating Lease Equipment Operating lease equipment is carried at cost less accumulated depreciation and is depreciated to estimated residual value using the straight-line method over the lease term. Estimated residual values are re-evaluated at least annually, based primarily on current residual value appraisals. Equipment held for sale is carried at the lower of carrying amount or estimated fair value less costs to sell and is included in other assets in the accompanying consolidated balance sheets. Rental revenue is recognized on a straight-line basis over the contractual term of the lease. A review for impairment of equipment under operating lease is performed at least annually or when events or changes in circumstances indicate that the carrying amount of long-lived assets may not be recoverable. Impairment of assets is determined by comparing the carrying amount to future undiscounted net cash flows expected to be generated. If an asset is impaired, the measure of impairment is the amount by which the carrying amount exceeds the fair value of the asset.
Goodwill	Goodwill Goodwill represents the excess of consideration transferred in business combinations over the fair value of net tangible and identifiable intangible assets acquired. Goodwill is not amortized, but is tested for impairment annually, during the fourth quarter of each year, or more frequently if events or changes in circumstances indicate that impairment may have occurred. The Company has a single reporting unit. When assessing goodwill for impairment, the Company may elect to perform a qualitative assessment to determine if a quantitative impairment test is necessary. If a qualitative assessment is not performed, or if the qualitative assessment indicates it is more likely than not that the fair value of a reporting unit is less than its carrying amount, a quantitative test is performed. The quantitative impairment test compares the estimated fair value of the reporting unit to its carrying amount. If the fair value of the reporting unit exceeds its carrying amount, no impairment is indicated. If the fair value of the reporting unit is less than its carrying amount, impairment of goodwill is measured as the excess of the carrying amount over fair value.
OREO and Repossessed Assets	OREO and Repossessed Assets OREO and repossessed assets consists of real estate assets acquired through, or in lieu of, loan foreclosure and personal property acquired through repossession. Such assets are included in other assets in the accompanying consolidated balance sheets. These assets are held for sale and are initially recorded at estimated fair value less costs to sell, establishing a new cost basis. Subsequent to acquisition, periodic valuations are performed, and the assets are carried at the lower of the carrying amount at the date of acquisition or estimated fair value less cost to sell. Significant property improvements are capitalized to the extent that the resulting carrying value does not exceed fair value less cost to sell. Legal fees, maintenance, taxes, insurance and other direct costs of holding and maintaining these assets are expensed as incurred.
Premises and Equipment	Premises and Equipment Premises and equipment are carried at cost less accumulated depreciation and amortization and are included in other assets in the accompanying consolidated balance sheets. The Company measures assets held for sale at the lower of carrying amount or estimated fair value. Depreciation is calculated using the straight-line method over the estimated useful lives of the assets. The lives of improvements to existing buildings are based on the lesser of the estimated remaining lives of the buildings or the estimated useful lives of the improvements. Leasehold improvements are amortized over the shorter of the expected terms of the leases at inception, considering options to extend that are reasonably assured, or their useful lives. The estimated useful lives of premises and equipment are as follows: • buildings and improvements - 10 to 30 years; • leasehold improvements - 3 to 20 years; • aircraft and automobiles - 5 to 15 years; • furniture, fixtures and equipment - 5 to 7 years; and • computer equipment - 3 to 5 years.
Software and CCA	Software Capitalized software, stated at cost less accumulated depreciation and amortization, includes CCA and capitalized implementation costs associated with hosting arrangements. Capitalized software is included in other assets in the accompanying consolidated balance sheets. Depreciation and amortization are calculated using the straight-line method over the estimated useful lives of the assets, which for CCA is based on the term of the associated hosting arrangements plus any reasonably certain renewals. Direct costs associated with developing or obtaining and implementing internal use software and hosting arrangements that are service contracts incurred during the application development stage are capitalized. The estimated useful lives of software, software licensing rights and CCA implementation costs range from 3 to 5 years.
Investments in Affordable Housing Limited Partnerships	Investments in Affordable Housing Limited Partnerships The Company has acquired investments in limited partnerships that manage or invest in qualified affordable housing projects and provide the Company with low-income housing tax credits and other tax benefits. These investments are included in other assets in the accompanying consolidated balance sheets. The Company accounts for investments in qualified affordable housing projects using the proportional amortization method if certain criteria are met. Under the proportional amortization method, the initial cost of the investment is amortized in proportion to the tax credits and other tax benefits received and the amortization is recognized in the income statement as a component of income tax expense.
Income Tax	Income Taxes The Company accounts for income taxes using the asset and liability method. Deferred tax assets and liabilities are determined based on differences between the financial reporting and tax bases of assets and liabilities using enacted tax rates in effect for periods in which the differences are expected to reverse. The effect of changes in tax rates on deferred tax assets and liabilities are recognized in income in the period that includes the enactment date. A valuation allowance is established for deferred tax assets when management determines that it is more likely than not that some portion or all of a deferred tax asset will not be realized. In making such determinations, the Company considers all available positive and negative evidence that may impact the realization of deferred tax assets. These considerations include the amount of taxable income generated in statutory carryback periods, future reversals of existing taxable temporary differences, projected future taxable income and available tax planning strategies. The Company recognizes tax benefits from uncertain tax positions when it is more likely than not that the related tax positions will be sustained upon examination, including resolutions of any related appeals or litigation processes, based on the technical merits of the tax positions. An uncertain tax position is a position taken in a previously filed tax return or a position expected to be taken in a future tax return that is not based on clear and unambiguous tax law. The Company measures tax benefits related to uncertain tax positions based on the largest benefit that has a greater than 50% likelihood of being realized upon settlement. If the initial assessment fails to result in recognition of a tax benefit, the Company subsequently recognizes a tax benefit if: (i) there are changes in tax law or case law that raise the likelihood of prevailing on the technical merits of the position to more-likely-than-not, (ii) the statute of limitations expires, or (iii) an examination results in a settlement of that tax year or position with the appropriate agency. The Company recognizes interest and penalties related to uncertain tax positions as well as interest income or expense related to tax settlements in the provision for income taxes.
Equity Based Compensation	Equity Based Compensation The Company periodically grants unvested or restricted shares of common stock and other share-based awards to key employees. For equity classified awards, compensation cost is measured based on the estimated fair value of the awards at the grant date and is recognized in earnings on a straight-line basis over the requisite service period for each award. Liability-classified awards are remeasured each reporting period at fair value until the award is settled, and compensation cost is recognized in earnings on a straight-line basis over the requisite service period for each award, adjusted for changes in fair value each reporting period. Compensation cost related to awards that embody performance conditions is recognized when it is probable that the performance conditions will be achieved. The number of awards expected to vest is estimated in determining the amount of compensation cost to be recognized related to share-based payments.
Derivative Financial Instruments and Hedging Activities	Derivative Financial Instruments and Hedging Activities The Company uses derivative contracts in the ordinary course of business to manage its exposure to risk, primarily the risk of fluctuations in interest rates. The Company also enters into derivative contracts with customers to enable those customers to manage their exposure to fluctuations in interest rates and foreign currency exchange rates. Derivative contracts are recorded as assets or liabilities in the consolidated balance sheets at fair value. Interest rate derivatives that are used as a risk management tool to hedge the Company's exposure to changes in interest rates have been designated as cash flow or fair value hedging instruments. The gain or loss resulting from changes in the fair value of interest rate derivatives designated and qualifying as cash flow hedging instruments is initially reported as a component of other comprehensive income and subsequently reclassified into earnings in the same period in which the hedged transaction affects earnings. Changes in the fair value of interest rate derivatives designated as fair value hedging instruments as well as the offsetting changes in the fair value of the hedged items caused by fluctuations in the designated benchmark interest rates are recognized in earnings. The Company discontinues hedge accounting prospectively when it is determined that the derivative is no longer effective in offsetting changes in the cash flows or fair value of the hedged item, the derivative expires or is sold, terminated, or exercised, management determines that the designation of the derivative as a hedging instrument is no longer appropriate or, for a cash flow hedge, the occurrence of the forecasted transaction is no longer probable. When hedge accounting on a cash flow hedge is discontinued, any subsequent changes in fair value of the derivative are recognized in earnings. The cumulative unrealized gain or loss related to a discontinued cash flow hedge continues to be reported in AOCI and is subsequently reclassified into earnings in the same period in which the hedged transaction affects earnings, unless it is probable that the forecasted transaction will not occur by the end of the originally specified time period, in which case the cumulative unrealized gain or loss reported in AOCI is reclassified into earnings immediately. When hedge accounting on a fair value hedge is discontinued, adjustments to the carrying amount of the hedged item due to changes in fair value are also discontinued. Cash flows from derivative financial instruments that are accounted for as hedges, including daily settlements of centrally cleared derivatives with the CME, are classified as operating cash flows. Changes in the fair value of derivative financial instruments not designated as, or not qualifying as, hedging instruments are recognized currently in earnings.
Transfers of Financial Assets	Transfers of Financial Assets Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. A gain or loss is recognized in earnings upon completion of the sale based on the difference between the sales proceeds and the carrying value of the assets. Control over the transferred assets is deemed to have been surrendered when: (i) the assets have been legally isolated from the Company, (ii) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (iii) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets.
Earnings per Common Share	Earnings per Common Share Basic earnings per common share is calculated by dividing income allocated to common stockholders for basic earnings per common share by the weighted average number of common shares outstanding for the period, reduced by average unvested stock awards. Unvested stock awards with non-forfeitable rights to dividends, whether paid or unpaid, are considered participating securities and are included in the computation of basic earnings per common share using the two class method whereby net income is allocated between common stock and participating securities. In periods of a net loss, no allocation is made to participating securities as they are not contractually required to fund net losses. Diluted earnings per common share is computed by dividing income allocated to common stockholders for basic earnings per common share, adjusted for earnings reallocated from participating securities, by the weighted average number of common shares outstanding for the period increased for the dilutive effect of unvested stock awards using the treasury stock method. Contingently issuable shares are included in the calculation of earnings per common share beginning on the date the contingency was resolved.
Revenue From Contracts with Customers	Revenue From Contracts with Customers Revenue from contracts with customers within the scope of Topic 606 " Revenue from Contracts with Customers ", is recognized in an amount that reflects the consideration the Company expects to be entitled to receive in exchange for those goods or services as the related performance obligations are satisfied. The majority of our revenues, including revenues from loans, leases, investment securities, derivative instruments and letters of credit and from transfers and servicing of financial assets, are excluded from the scope of Topic 606. Deposit service charges and fees is the most significant category of revenue within the scope of the standard. These service charges and fees consist primarily of monthly maintenance fees and other transaction based fees. Revenue is recognized when our performance obligations are complete, generally monthly for account maintenance fees or when a transaction, such as a wire transfer, is completed. Payment is typically received at the time the performance obligation is satisfied. The aggregate amount of revenue that is within the scope of Topic 606 from sources other than deposit service charges and fees is not material.
Reclassifications	Reclassifications Certain amounts presented for prior periods have been reclassified to conform to the current period presented.
New Accounting Pronouncements Adopted in 2024	New Accounting Pronouncements Adopted in 2024 ASU No. 2023-02— Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures using the Proportional Amortization Method (A Consensus of the Emerging Issues Task Force). This ASU expanded the use of the proportional amortization method of accounting for equity investments in tax credit programs beyond those in LIHTC programs. The ASU allows entities to elect the proportional amortization method, on a tax credit program by tax credit program basis, for all equity investments in tax credit programs meeting the eligibility criteria. The Company adopted this ASU in the first quarter of 2024. There was no impact upon adoption. Currently, all of the Company's equity investments in tax credit programs are in LIHTC programs already accounted for using the proportional amortization method. ASU No. 2023-07— Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures. This ASU augmented reportable segment disclosure requirements, primarily through enhanced disclosures about significant segment expenses. In addition, the amendments enhance interim disclosure requirements, clarify circumstances in which an entity can disclose multiple segment measures of profit or loss, provide new segment disclosure requirements for entities with a single reportable segment and contain other disclosure requirements. The Company adopted this ASU for the year ended December 31, 2024. This ASU did not have an impact on the Company's consolidated financial position, results of operations or cash flows. Adoption resulted in additional disclosures included within Note 1. Accounting Pronouncements Not Yet Adopted ASU No. 2023-09— Income Taxes (Topic 740): Improvements to Income Tax Disclosures . This ASU requires entities to provide additional disclosures, primarily related to the income tax rate reconciliation and income taxes paid. The guidance also eliminates certain existing disclosure requirements related to uncertain tax positions among others. This ASU is effective for the Company for fiscal years beginning after December 15, 2024. The ASU stipulates adoption on a prospective basis with the option to apply the standard retrospectively. Early adoption is permitted. The Company plans to adopt this ASU when effective for fiscal year ended December 31, 2025. The adoption of this ASU is not expected to have an impact on the Company's consolidated financial position, results of operations or cash flows. Adoption will lead to revised disclosures about income taxes in the Company's financial statements. ASU No. 2024-03— Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses . This ASU requires additional disclosure in interim and annual periods about specific expense categories in the notes to the financial statements. This ASU is effective for the Company for fiscal years beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027. The adoption of this ASU is not expected to have an impact on the Company's consolidated financial position, results of operations or cash flows but may lead to additional disclosures about expenses in the Notes to the Consolidated Financial Statements.
Financing Receivable	Loans Loans are reported at amortized cost, net of the ACL. Interest income is accrued based on the principal amount outstanding. Non-refundable loan origination fees, net of direct costs of originating or acquiring loans, as well as purchase premiums and discounts, are deferred and recognized as adjustments to yield over the contractual lives of the related loans using the interest method which results in a constant effective yield. Non-accrual loans Commercial loans are placed on non-accrual status when (i) management has determined that full repayment of all contractual principal and interest is in doubt, or (ii) the loan is past due 90 days or more as to principal or interest unless the loan is well secured and in the process of collection. Residential loans, other than government insured residential loans, are generally placed on non-accrual status when they are 60 days past due. When a loan is placed on non-accrual status, uncollected interest accrued is reversed and charged to interest income. Payments received on non-accrual commercial loans are applied as a reduction of principal. Interest payments are recognized as income on a cash basis on non-accrual residential loans. Commercial loans are returned to accrual status only after all past due principal and interest has been collected and full repayment of remaining contractual principal and interest is reasonably assured. Residential loans are generally returned to accrual status when less than 60 days past due. Past due status of loans is determined based on the contractual next payment due date. Loans less than 30 days past due are reported as current. Contractually delinquent government insured residential loans are not classified as non-accrual due to the nature of the guarantee. Contractually delinquent PCD loans are not classified as non-accrual, as long as the Company has a reasonable expectation about amounts expected to be collected. Troubled Debt Restructurings

Earnings Per Common Share (Tabl

Earnings Per Common Share (Tables)	12 Months Ended
	Dec. 31, 2024
Earnings Per Share [Abstract]
Computation of Basic and Diluted Earnings Per Common Share	The computation of basic and diluted earnings per common share is presented below for the periods indicated (in thousands, except share and per share data): Years Ended December 31, c 2024 2023 2022 Basic earnings per common share: Numerator: Net income $ 232,467 $ 178,671 $ 284,971 Distributed and undistributed earnings allocated to participating securities (4,113) (3,565) (5,075) Income allocated to common stockholders for basic earnings per common share $ 228,354 $ 175,106 $ 279,896 Denominator: Weighted average common shares outstanding 74,694,303 74,493,898 80,032,356 Less average unvested stock awards (1,098,045) (1,168,004) (1,224,568) Weighted average shares for basic earnings per common share 73,596,258 73,325,894 78,807,788 Basic earnings per common share $ 3.10 $ 2.39 $ 3.55 Diluted earnings per common share: Numerator: Income allocated to common stockholders for basic earnings per common share $ 228,354 $ 175,106 $ 279,896 Adjustment for earnings reallocated from participating securities (402) (275) (626) Income used in calculating diluted earnings per common share $ 227,952 $ 174,831 $ 279,270 Denominator: Weighted average shares for basic earnings per common share 73,596,258 73,325,894 78,807,788 Dilutive effect of certain share-based awards 382,043 197,441 94 Weighted average shares for diluted earnings per common share 73,978,301 73,523,335 78,807,882 Diluted earnings per common share $ 3.08 $ 2.38 $ 3.54

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Schedule of Available-for-sale Securities Reconciliation	Investment securities include investment securities available for sale, marketable equity securities, and when applicable, investment securities held to maturity. The investment securities portfolio consisted of the following at the dates indicated (in thousands): December 31, 2024 Amortized Cost Gross Unrealized Carrying Value Gains Losses Investment securities available for sale: U.S. Treasury securities $ 214,796 $ 165 $ (12,009) $ 202,952 U.S. Government agency and sponsored enterprise residential MBS 2,672,554 3,607 (26,471) 2,649,690 U.S. Government agency and sponsored enterprise commercial MBS 557,489 156 (61,892) 495,753 Private label residential MBS and CMOs 2,491,033 506 (253,493) 2,238,046 Private label commercial MBS 1,822,881 1,836 (40,688) 1,784,029 Single family real estate-backed securities 335,047 108 (8,074) 327,081 Collateralized loan obligations 1,131,088 1,804 (193) 1,132,699 Non-mortgage asset-backed securities 96,865 144 (2,555) 94,454 State and municipal obligations 110,388 13 (6,391) 104,010 SBA securities 74,900 37 (2,235) 72,702 $ 9,507,041 $ 8,376 $ (414,001) 9,101,416 Marketable equity securities 28,828 $ 9,130,244 December 31, 2023 Amortized Cost Gross Unrealized Carrying Value (1) Gains Losses Investment securities available for sale: U.S. Treasury securities $ 139,858 $ 532 $ (9,798) $ 130,592 U.S. Government agency and sponsored enterprise residential MBS 1,962,658 1,810 (40,261) 1,924,207 U.S. Government agency and sponsored enterprise commercial MBS 561,557 107 (63,805) 497,859 Private label residential MBS and CMOs 2,596,231 268 (300,769) 2,295,730 Private label commercial MBS 2,282,833 678 (84,768) 2,198,743 Single family real estate-backed securities 383,984 — (17,729) 366,255 Collateralized loan obligations 1,122,799 735 (10,710) 1,112,824 Non-mortgage asset-backed securities 106,095 156 (3,471) 102,780 State and municipal obligations 107,176 715 (5,273) 102,618 SBA securities 106,237 41 (3,254) 103,024 9,369,428 $ 5,042 $ (539,838) 8,834,632 Investment securities held to maturity 10,000 10,000 $ 9,379,428 8,844,632 Marketable equity securities 32,722 $ 8,877,354 (1) At fair value except for securities held to maturity.
Investments Classified by Contractual Maturity Date	At December 31, 2024, contractual maturities of investment securities available for sale, adjusted for anticipated prepayments when applicable, were as follows (in thousands): Amortized Cost Fair Value Due in one year or less $ 1,042,618 $ 1,016,379 Due after one year through five years 4,717,528 4,609,428 Due after five years through ten years 2,509,277 2,351,486 Due after ten years 1,237,618 1,124,123 $ 9,507,041 $ 9,101,416
Gain on Investment Securities, net	The following table provides information about gains (losses) on investment securities for the periods indicated (in thousands): Years Ended December 31, 2024 2023 2022 Gross realized gains on investment securities AFS $ 1,277 $ 1,862 $ 4,058 Gross realized losses on investment securities AFS (203) (47) (131) Net realized gain 1,074 1,815 3,927 Net gain (loss) on marketable equity securities recognized in earnings 1,053 (11,867) (19,732) Gain (loss) on investment securities, net $ 2,127 $ (10,052) $ (15,805)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	The following tables present the aggregate fair value and the aggregate amount by which amortized cost exceeded fair value for investment securities available for sale in unrealized loss positions aggregated by investment category and length of time that individual securities had been in continuous unrealized loss positions at the dates indicated (in thousands): December 31, 2024 Less than 12 Months 12 Months or Greater Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Treasury securities $ 126,710 $ (3,195) $ 40,791 $ (8,814) $ 167,501 $ (12,009) U.S. Government agency and sponsored enterprise residential MBS 895,759 (5,474) 936,106 (20,997) 1,831,865 (26,471) U.S. Government agency and sponsored enterprise commercial MBS 55,431 (1,545) 394,735 (60,347) 450,166 (61,892) Private label residential MBS and CMOs 147,700 (954) 2,040,335 (252,539) 2,188,035 (253,493) Private label commercial MBS 44,000 (302) 1,199,150 (40,386) 1,243,150 (40,688) Single family real estate-backed securities — — 301,973 (8,074) 301,973 (8,074) Collateralized loan obligations 336,924 (189) 7,726 (4) 344,650 (193) Non-mortgage asset-backed securities — — 71,789 (2,555) 71,789 (2,555) State and municipal obligations 15,765 (148) 54,820 (6,243) 70,585 (6,391) SBA securities — — 67,880 (2,235) 67,880 (2,235) $ 1,622,289 $ (11,807) $ 5,115,305 $ (402,194) $ 6,737,594 $ (414,001) December 31, 2023 Less than 12 Months 12 Months or Greater Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Treasury securities $ 9,941 $ (27) $ 99,769 $ (9,771) $ 109,710 $ (9,798) U.S. Government agency and sponsored enterprise residential MBS 82,382 (430) 1,646,081 (39,831) 1,728,463 (40,261) U.S. Government agency and sponsored enterprise commercial MBS 3,332 (6) 481,651 (63,799) 484,983 (63,805) Private label residential MBS and CMOs — — 2,255,461 (300,769) 2,255,461 (300,769) Private label commercial MBS 51,434 (323) 2,054,378 (84,445) 2,105,812 (84,768) Single family real estate-backed securities — — 366,255 (17,729) 366,255 (17,729) Collateralized loan obligations 184,652 (348) 880,609 (10,362) 1,065,261 (10,710) Non-mortgage asset-backed securities — — 79,697 (3,471) 79,697 (3,471) State and municipal obligations 24,765 (1,049) 32,380 (4,224) 57,145 (5,273) SBA securities 8,194 (46) 89,763 (3,208) 97,957 (3,254) $ 364,700 $ (2,229) $ 7,986,044 $ (537,609) $ 8,350,744 $ (539,838)

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses (Tables)	12 Months Ended
	Dec. 31, 2024
Receivables [Abstract]
Schedule of Accounts, Notes, Loans and Financing Receivable	Loans consisted of the following at the dates indicated (dollars in thousands): December 31, 2024 December 31, 2023 Amortized Cost Percent of Total Loans Amortized Cost Percent of Total Loans Commercial: Non-owner occupied commercial real estate $ 5,652,203 23.3 % $ 5,323,241 21.6 % Construction and land 561,989 2.3 % 495,992 2.0 % Owner occupied commercial real estate 1,941,004 8.0 % 1,935,743 7.9 % Commercial and industrial 7,042,222 28.9 % 6,971,981 28.3 % Pinnacle - municipal finance 720,661 3.0 % 884,690 3.6 % Franchise and equipment finance 213,477 0.9 % 380,347 1.5 % Mortgage warehouse lending 585,610 2.4 % 432,663 1.8 % 16,717,166 68.8 % 16,424,657 66.7 % Residential: 1-4 single family residential 6,508,922 26.8 % 6,903,013 28.0 % Government insured residential 1,071,892 4.4 % 1,306,014 5.3 % 7,580,814 31.2 % 8,209,027 33.3 % Total loans 24,297,980 100.0 % 24,633,684 100.0 % Allowance for credit losses (223,153) (202,689) Loans, net $ 24,074,827 $ 24,430,995
Financing Receivable Credit Quality Indicators	The following table presents the amortized cost basis of residential PCD loans and the related amount of non-credit discount, net of the related ACL, at the dates indicated (in thousands): December 31, 2024 December 31, 2023 UPB $ 66,119 $ 80,123 Non-credit discount (27,664) (35,249) Total amortized cost of PCD loans 38,455 44,874 ACL related to PCD loans (182) (161) PCD loans, net $ 38,273 $ 44,713 Commercial credit exposure based on internal risk rating (in thousands): December 31, 2024 Amortized Cost By Origination Year Revolving Loans 2024 2023 2022 2021 2020 Prior Total CRE Pass $ 921,888 $ 783,342 $ 1,119,032 $ 609,452 $ 399,806 $ 1,478,261 $ 114,648 $ 5,426,429 Special mention — — — — 39,714 19,057 — 58,771 Substandard — 21,853 131,816 121,005 76,590 377,728 — 728,992 Total CRE $ 921,888 $ 805,195 $ 1,250,848 $ 730,457 $ 516,110 $ 1,875,046 $ 114,648 $ 6,214,192 C&I Pass $ 1,514,746 $ 1,182,701 $ 962,478 $ 470,041 $ 269,508 $ 1,085,412 $ 2,931,044 $ 8,415,930 Special mention 45,092 8,231 73,226 35,581 — — 41,486 203,616 Substandard — 49,681 74,001 40,108 10,529 101,028 81,798 357,145 Doubtful — — — — — — 6,535 6,535 Total C&I $ 1,559,838 $ 1,240,613 $ 1,109,705 $ 545,730 $ 280,037 $ 1,186,440 $ 3,060,863 $ 8,983,226 Pinnacle - municipal finance Pass $ 60,317 $ 108,440 $ 93,800 $ 51,034 $ 24,010 $ 383,060 $ — $ 720,661 Total Pinnacle - municipal finance $ 60,317 $ 108,440 $ 93,800 $ 51,034 $ 24,010 $ 383,060 $ — $ 720,661 Franchise and equipment finance Pass $ — $ 2,014 $ 26,408 $ 54,871 $ 16,435 $ 84,879 $ 174 $ 184,781 Substandard — — — 1,486 275 26,614 — 28,375 Doubtful — — — — — 321 — 321 Total Franchise and equipment finance $ — $ 2,014 $ 26,408 $ 56,357 $ 16,710 $ 111,814 $ 174 $ 213,477 Mortgage warehouse lending Pass $ — $ — $ — $ — $ — $ — $ 585,610 $ 585,610 Total Mortgage warehouse lending $ — $ — $ — $ — $ — $ — $ 585,610 $ 585,610 December 31, 2023 Amortized Cost By Origination Year Revolving Loans 2023 2022 2021 2020 2019 Prior Total CRE Pass $ 668,669 $ 1,268,313 $ 662,340 $ 493,675 $ 878,048 $ 1,064,601 $ 281,584 $ 5,317,230 Special mention 19,127 13,377 — — 57,984 4,912 2,152 97,552 Substandard — 42,997 2,103 29,180 186,368 142,049 1,754 404,451 Total CRE $ 687,796 $ 1,324,687 $ 664,443 $ 522,855 $ 1,122,400 $ 1,211,562 $ 285,490 $ 5,819,233 C&I Pass $ 1,382,939 $ 1,423,581 $ 653,730 $ 337,322 $ 431,257 $ 1,040,101 $ 3,069,295 $ 8,338,225 Special mention — 85,306 1,215 13,949 49,526 22,398 47,680 220,074 Substandard 3,841 70,731 86,747 16,063 20,757 91,844 44,633 334,616 Doubtful — 10,580 — — 4,229 — — 14,809 Total C&I $ 1,386,780 $ 1,590,198 $ 741,692 $ 367,334 $ 505,769 $ 1,154,343 $ 3,161,608 $ 8,907,724 Pinnacle - municipal finance Pass $ 170,919 $ 133,988 $ 74,895 $ 31,771 $ 55,338 $ 417,779 $ — $ 884,690 Total Pinnacle - municipal finance $ 170,919 $ 133,988 $ 74,895 $ 31,771 $ 55,338 $ 417,779 $ — $ 884,690 Franchise and equipment finance Pass $ 6,569 $ 32,656 $ 74,170 $ 44,698 $ 76,144 $ 80,302 $ 201 $ 314,740 Special mention — — — 2,279 — — — 2,279 Substandard — 14,959 3,019 1,003 23,574 16,547 — 59,102 Doubtful — — — — 4,226 — — 4,226 Total Franchise and equipment finance $ 6,569 $ 47,615 $ 77,189 $ 47,980 $ 103,944 $ 96,849 $ 201 $ 380,347 Mortgage warehouse lending Pass $ — $ — $ — $ — $ — $ — $ 432,663 $ 432,663 Total Mortgage warehouse lending $ — $ — $ — $ — $ — $ — $ 432,663 $ 432,663 The following table presents criticized and classified commercial loans in aggregate by risk rating category at the dates indicated (in thousands): December 31, 2024 December 31, 2023 Special mention $ 262,387 $ 319,905 Substandard - accruing 894,754 711,266 Substandard - non-accruing 219,758 86,903 Doubtful 6,856 19,035 Total $ 1,383,755 $ 1,137,109 1-4 Single Family Residential credit exposure, excluding government insured residential loans, based on delinquency status (in thousands): December 31, 2024 Amortized Cost By Origination Year Days Past Due 2024 2023 2022 2021 2020 Prior Total Current $ 251,767 $ 304,595 $ 1,012,777 $ 2,744,941 $ 798,346 $ 1,340,402 $ 6,452,828 30 - 59 Days Past Due — 3,045 4,948 15,368 474 9,140 32,975 60 - 89 Days Past Due 156 — 1,445 4,007 — 547 6,155 90 Days or More Past Due — — 2,486 3,457 — 11,021 16,964 $ 251,923 $ 307,640 $ 1,021,656 $ 2,767,773 $ 798,820 $ 1,361,110 $ 6,508,922 December 31, 2023 Amortized Cost By Origination Year Days Past Due 2023 2022 2021 2020 2019 Prior Total Current $ 363,123 $ 1,117,039 $ 2,965,840 $ 854,376 $ 296,146 $ 1,255,688 $ 6,852,212 30 - 59 Days Past Due 2,200 1,785 7,201 5,745 — 14,527 31,458 60 - 89 Days Past Due — 2,116 1,465 — 143 2,728 6,452 90 Days or More Past Due — 5,872 — — 1,439 5,580 12,891 $ 365,323 $ 1,126,812 $ 2,974,506 $ 860,121 $ 297,728 $ 1,278,523 $ 6,903,013 1-4 Single Family Residential credit exposure, excluding government insured residential loans, based on LTV (in thousands): December 31, 2024 Amortized Cost By Origination Year LTV 2024 2023 2022 2021 2020 Prior Total Less than 61% $ 27,646 $ 51,565 $ 236,020 $ 1,124,532 $ 304,755 $ 425,814 $ 2,170,332 61% - 70% 33,033 42,636 263,959 759,931 203,423 307,052 1,610,034 71% - 80% 156,942 175,651 518,164 851,427 290,573 590,130 2,582,887 More than 80% 34,302 37,788 3,513 31,883 69 38,114 145,669 $ 251,923 $ 307,640 $ 1,021,656 $ 2,767,773 $ 798,820 $ 1,361,110 $ 6,508,922 December 31, 2023 Amortized Cost By Origination Year LTV 2023 2022 2021 2020 2019 Prior Total Less than 61% $ 63,117 $ 260,403 $ 1,211,101 $ 326,771 $ 72,219 $ 428,451 $ 2,362,062 61% - 70% 67,146 280,602 813,682 221,091 71,652 293,784 1,747,957 71% - 80% 235,060 583,724 915,166 312,188 148,483 519,699 2,714,320 More than 80% — 2,083 34,557 71 5,374 36,589 78,674 $ 365,323 $ 1,126,812 $ 2,974,506 $ 860,121 $ 297,728 $ 1,278,523 $ 6,903,013 1-4 Single Family Residential credit exposure, excluding government insured residential loans, based on FICO score (in thousands): December 31, 2024 Amortized Cost By Origination Year FICO 2024 2023 2022 2021 2020 Prior Total 760 or greater $ 179,256 $ 215,486 $ 725,399 $ 2,202,004 $ 642,572 $ 952,136 $ 4,916,853 720 - 759 58,642 59,356 173,309 365,198 95,495 192,943 944,943 719 or less or not available 14,025 32,798 122,948 200,571 60,753 216,031 647,126 $ 251,923 $ 307,640 $ 1,021,656 $ 2,767,773 $ 798,820 $ 1,361,110 $ 6,508,922 December 31, 2023 Amortized Cost By Origination Year FICO 2023 2022 2021 2020 2019 Prior Total 760 or greater $ 253,774 $ 810,150 $ 2,378,572 $ 696,363 $ 203,966 $ 893,290 $ 5,236,115 720 - 759 78,882 194,135 392,179 99,412 50,984 210,663 1,026,255 719 or less or not available 32,667 122,527 203,755 64,346 42,778 174,570 640,643 $ 365,323 $ 1,126,812 $ 2,974,506 $ 860,121 $ 297,728 $ 1,278,523 $ 6,903,013
Allowance for Credit Losses on Financing Receivables	The ACL for all periods presented was determined utilizing a 2-year reasonable and supportable forecast period. The quantitative portion of the ACL at December 31, 2024 and 2023, was determined using three weighted third-party provided economic scenarios. The quantitative portion of the ACL at December 31, 2022 was determined using a single third-party provided economic scenario. Activity in the ACL is summarized below for the periods indicated (in thousands): Years Ended December 31, 2024 2023 2022 Commercial Residential Total Commercial Residential Total Commercial Residential Total Beginning balance $ 195,058 $ 7,631 $ 202,689 $ 136,205 $ 11,741 $ 147,946 $ 117,270 $ 9,187 $ 126,457 Impact of adoption of ASU 2022-02 N/A N/A N/A (1,677) (117) (1,794) N/A N/A N/A Balance after adoption of ASU 2022-02 195,058 7,631 202,689 134,528 11,624 146,152 117,270 9,187 126,457 Provision (recovery) 54,545 4,441 58,986 82,926 (4,002) 78,924 70,956 2,858 73,814 Charge-offs (59,824) (126) (59,950) (35,014) — (35,014) (61,643) (412) (62,055) Recoveries 21,424 4 21,428 12,618 9 12,627 9,622 108 9,730 Ending balance $ 211,203 $ 11,950 $ 223,153 $ 195,058 $ 7,631 $ 202,689 $ 136,205 $ 11,741 $ 147,946 The following table presents the components of the provision for (recovery of) credit losses for the periods indicated (in thousands): Years Ended December 31, 2024 2023 2022 Amount related to funded portion of loans $ 58,986 $ 78,924 $ 73,814 Amount related to off-balance sheet credit exposures (3,914) 8,683 1,467 Other — — (127) Total provision for credit losses $ 55,072 $ 87,607 $ 75,154
Accounts Receivable, Allowance for Credit Loss	The following table presents gross charge-offs during the year ended December 31, 2024, by year of origination (in thousands): Year Ended December 31, 2024 Gross Charge-offs By Loan Origination Year 2024 2023 2022 2021 2020 Prior to 2020 Revolving Loans Total CRE $ — $ — $ 4,369 $ — $ — $ 1,833 $ — $ 6,202 C&I 405 327 29,438 3,761 52 1,460 12,470 47,913 Franchise and equipment finance — — — 765 — 4,944 — 5,709 1-4 single family residential — — — — — 126 — 126 $ 405 $ 327 $ 33,807 $ 4,526 $ 52 $ 8,363 $ 12,470 $ 59,950
Financing Receivable, Past Due	The following table presents an aging of loans at the dates indicated (in thousands): December 31, 2024 December 31, 2023 Current 30 - 59 60 - 89 90 Days or Total Current 30 - 59 60 - 89 90 Days or Total CRE $ 6,145,386 $ 35,000 $ — $ 33,806 $ 6,214,192 $ 5,779,309 $ 27,918 $ 1,947 $ 10,059 $ 5,819,233 C&I 8,911,057 16,137 25,645 30,387 8,983,226 8,851,585 16,228 5,536 34,375 8,907,724 Pinnacle - municipal finance 720,661 — — — 720,661 884,690 — — — 884,690 Franchise and equipment finance 213,477 — — — 213,477 380,347 — — — 380,347 Mortgage warehouse lending 585,610 — — — 585,610 432,663 — — — 432,663 1-4 single family residential 6,452,828 32,975 6,155 16,964 6,508,922 6,852,212 31,458 6,452 12,891 6,903,013 Government insured residential 691,111 108,287 46,681 225,813 1,071,892 835,282 131,652 61,942 277,138 1,306,014 $ 23,720,130 $ 192,399 $ 78,481 $ 306,970 $ 24,297,980 $ 24,016,088 $ 207,256 $ 75,877 $ 334,463 $ 24,633,684
Financing Receivable, Nonaccrual	The following table presents information about loans on non-accrual status at the dates indicated (in thousands): December 31, 2024 December 31, 2023 Amortized Cost Amortized Cost With No Related Allowance Amortized Cost Amortized Cost With No Related Allowance CRE $ 95,378 $ 65,004 $ 13,727 $ 1,947 C&I 125,226 41,929 68,533 14,078 Franchise and equipment finance 6,010 4,345 23,678 7,796 1-4 single family residential 23,500 — 20,513 — $ 250,114 $ 111,278 $ 126,451 $ 23,821
Schedule of Collateral Dependent Loans	The following table presents the amortized cost basis of collateral dependent loans at the dates indicated (in thousands): December 31, 2024 December 31, 2023 Amortized Cost Extent to Which Secured by Collateral Amortized Cost Extent to Which Secured by Collateral CRE $ 94,283 $ 91,050 $ 11,574 $ 11,574 C&I 87,565 78,150 36,401 25,821 Franchise and equipment finance 6,010 5,689 23,488 18,678 $ 187,858 $ 174,889 $ 71,463 $ 56,073
Financing Receivable, Troubled Debt Restructuring	The following tables summarize loans that were modified for borrowers experiencing financial difficulty, by type of modification, during the periods indicated (dollars in thousands): Year Ended December 31, 2024 Interest Rate Reduction Term Extension Other than Insignificant Payment Delays Combination - Interest Rate Reduction and Term Extension Combination - Term Extension and Other than Insignificant Payment Delays Amortized Cost % (1) Amortized Cost % (1) Amortized Cost % (1) Amortized Cost % (1) Amortized Cost % (1) Total CRE $ — — % $ 44,070 1 % $ — — % $ 40,200 1 % $ — — % $ 84,270 C&I — — % 120,705 1 % 12,407 — % 26,828 — % 689 — % 160,629 Franchise and equipment finance — — % 6,994 3 % — — % — — % — — % 6,994 1-4 single family residential 170 — % — — % — — % — — % — — % 170 Government insured residential 238 — % 25,104 2 % — — % 8,081 1 % — — % 33,423 $ 408 $ 196,873 $ 12,407 $ 75,109 $ 689 $ 285,486 Year Ended December 31, 2023 Interest Rate Reduction Term Extension Other than Insignificant Payment Delays Combination - Interest Rate Reduction and Term Extension Combination - Term Extension and Other than Insignificant Payment Delays Amortized Cost % (1) Amortized Cost % (1) Amortized Cost % (1) Amortized Cost % (1) Amortized Cost % (1) Total C&I $ — — % $ 8,532 — % $ — — % $ — — % $ — — % $ 8,532 Franchise and equipment finance — — % 10,748 3 % — — % — — % — — % 10,748 1-4 single family residential 835 — % — — % — — % — — % — — % 835 Government insured residential 105 — % 62,402 5 % — — % 2,442 — % — — % 64,949 $ 940 $ 81,682 $ — $ 2,442 $ — $ 85,064 (1) Represents percentage of loans receivable in each category. The following tables summarize the financial effect of the modifications made to borrowers experiencing difficulty, during the periods indicated: Year Ended December 31, 2024 Financial Effect Interest Rate Reduction: 1-4 single family residential Reduced weighted average contractual interest rate from 6.4% to 6.3%. Government insured residential Reduced weighted average contractual interest rate from 3.3% to 2.8% Term Extension: CRE Added a weighted average 1.8 years to the term of the modified loans. C&I Added a weighted average 1.4 years to the term of the modified loans. Franchise and equipment finance Added a weighted average 1.0 year to the term of the modified loans. Government insured residential Added a weighted average 10.6 years to the term of the modified loans. Other than Insignificant Payment Delays: C&I Provided 0.5 years of payment deferral. Combination - Interest Rate Reduction and Term Extension: CRE Reduced weighted average contractual interest rate from 7.3% to 6.5% and added a weighted average 2.0 years to the term of the modified loans. C&I Reduced weighted average contractual interest rate from 9.0% to 6.5% and added a weighted average 2.5 years to the term of the modified loans. Government insured residential Reduced weighted average contractual interest rate from 7.2% to 6.5% and added a weighted average 5.3 years to the term of the modified loans. Combination - Term Extension and Other than Insignificant Payment Delays: C&I Added a weighted average 1.2 years to the term of the modified loans and provided 0.3 years of payment deferral. Year Ended December 31, 2023 Financial Effect Interest Rate Reduction: 1-4 single family residential Reduced weighted average contractual interest rate from 4.3% to 3.4%. Government insured residential Reduced weighted average contractual interest rate from 4.8% to 3.8%. Term Extension: C&I Added a weighted average 1.4 years to the term of the modified loans. Franchise and equipment finance Added a weighted average 2.1 years to the term of the modified loans. Government insured residential Added a weighted average 9.1 years to the term of the modified loans. Combination - Interest Rate Reduction and Term Extension: Government insured residential Reduced weighted average contractual interest rate from 5.7% to 4.7% and added a weighted average 7.8 years to the term of the modified loans. The following tables present the aging at December 31, 2024 and 2023, of loans that were modified within the previous 12 months from the balance sheet date (in thousands): December 31, 2024 Current 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total CRE $ 67,820 $ — $ — $ 16,450 $ 84,270 C&I 158,039 214 297 2,079 160,629 Franchise and equipment finance 6,994 — — — 6,994 1-4 single family residential 170 — — — 170 Government insured residential 11,659 5,082 4,843 11,839 33,423 $ 244,682 $ 5,296 $ 5,140 $ 30,368 $ 285,486 December 31, 2023 Current 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total C&I $ 8,532 $ — $ — $ — $ 8,532 Franchise and equipment finance 10,748 — — — 10,748 1-4 single family residential 76 — — 759 835 Government insured residential 24,091 12,335 7,677 20,846 64,949 $ 43,447 $ 12,335 $ 7,677 $ 21,605 $ 85,064 The following tables summarize loans that were modified within the previous 12 months and defaulted during the periods indicated (in thousands): Year Ended December 31, 2024 Interest Rate Reduction Term Extension Combination - Interest Rate Reduction and Term Extension Combination - Term Extension and Other than Insignificant Payment Delays Total CRE $ — $ 16,450 $ — $ — $ 16,450 C&I — 1,390 — 689 2,079 Government insured residential — 13,835 4,743 — 18,578 $ — $ 31,675 $ 4,743 $ 689 $ 37,107 Year Ended December 31, 2023 Interest Rate Reduction Term Extension Combination - Interest Rate Reduction and Term Extension Combination - Interest Rate Reduction and Other than Insignificant Payment Delays Total 1-4 single family residential $ 759 $ — $ — $ — $ 759 Government insured residential 105 32,994 960 — 34,059 $ 864 $ 32,994 $ 960 $ — $ 34,818 The following table summarizes loans that were modified in TDRs during the year ended December 31, 2022, as well as loans modified during the 12 months preceding December 31, 2022, that experienced payment defaults (dollars in thousands): Loans Modified in TDRs TDRs Experiencing Payment Number of Amortized Cost Number of Amortized Cost C&I 21 $ 39,052 4 $ 3,703 Franchise and equipment finance 4 6,329 4 6,329 1-4 single family residential 10 5,359 — — Government insured residential 2,589 405,096 1,190 187,708 2,624 $ 455,836 1,198 $ 197,740 TDRs during the year ended December 31, 2022 generally included interest rate reductions and extensions of maturity. Included in TDRs were residential loans to borrowers who had not reaffirmed their debt discharged in Chapter 7 bankruptcy. The total amount of such loans was not material.
Schedules of Concentration of Risk, by Risk Factor	The following table presents the largest geographic concentrations of commercial loans at the dates indicated. Commercial real estate loans are categorized based on the location of the underlying collateral, while all other commercial loans are generally categorized based on the location of the borrowers' businesses (dollars in thousands). Loans outside of Florida and the New York tri-state area evidence no material geographic concentation. December 31, 2024 December 31, 2023 Commercial Real Estate Percent of Total All Other Commercial Percent of Total Commercial Real Estate Percent of Total All Other Commercial Percent of Total Florida $ 3,360,524 54.0 % $ 3,095,579 29.5 % $ 3,381,394 58.1 % $ 3,321,102 31.3 % New York Tri-state 1,564,104 25.2 % 3,194,833 30.4 % 1,430,728 24.6 % 2,901,958 27.4 % Other 1,289,564 20.8 % 4,212,562 40.1 % 1,007,111 17.3 % 4,382,364 41.3 % $ 6,214,192 100.0 % $ 10,502,974 100.0 % $ 5,819,233 100.0 % $ 10,605,424 100.0 % The following table presents the five states with the largest geographic concentrations of 1-4 single family residential loans, excluding government insured residential loans, at the dates indicated (dollars in thousands): December 31, 2024 December 31, 2023 Amortized Cost Percent of Total Amortized Cost Percent of Total California $ 1,960,873 30.1 % $ 2,171,802 31.5 % New York 1,282,197 19.7 % 1,344,205 19.5 % Florida 473,556 7.3 % 501,744 7.3 % Illinois 327,698 5.0 % 358,512 5.2 % Virginia 308,784 4.7 % 312,384 4.5 % Others 2,155,814 33.2 % 2,214,366 32.0 % $ 6,508,922 100.0 % $ 6,903,013 100.0 %

Leases Leases (Tables)

Leases Leases (Tables)	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Schedule of ROU Assets and Lease Liabilities	The following table presents ROU assets and lease liabilities at the dates indicated (in thousands): December 31, 2024 December 31, 2023 ROU assets: Operating leases $ 64,416 $ 64,536 Finance leases 20,290 21,638 $ 84,706 $ 86,174 Lease liabilities: Operating leases $ 71,979 $ 72,391 Finance leases 24,629 26,501 $ 96,608 $ 98,892
Operating and Finance Lease Information	The weighted average remaining lease term and weighted average discount rate at the dates indicated were: December 31, 2024 December 31, 2023 Weighted average remaining lease term: Operating leases 6.2 years 5.9 years Finance leases 8.8 years 10.0 years Weighted average discount rate: Operating leases 3.8 % 3.2 % Finance leases 2.9 % 2.9 %
Lease, Cost	The following table presents the components of lease expense for the periods indicated (in thousands): Years Ended December 31, 2024 2023 2022 Operating lease cost: Fixed costs $ 16,624 $ 16,761 $ 18,364 Impairment of ROU assets 54 76 134 Total operating lease cost $ 16,678 $ 16,837 $ 18,498 Finance lease cost: Amortization of ROU assets $ 2,240 $ 2,228 $ 2,350 Interest on lease liabilities 734 778 823 Total finance lease cost $ 2,974 $ 3,006 $ 3,173 Variable lease cost $ 3,733 $ 3,440 $ 3,589
Leases - Cash Flow Information	The following table presents additional information related to operating and finance leases for the dates and periods indicated (in thousands): Years Ended December 31, 2024 2023 2022 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from finance leases $ 734 $ 778 $ 823 Operating cash flows from operating leases 17,055 17,680 18,473 Financing cash flows from finance leases 2,277 2,666 2,652 $ 20,066 $ 21,124 $ 21,948 Lease liabilities recognized from obtaining ROU assets: Operating leases $ 13,538 $ 6,896 $ 9,086 Finance leases 892 — — $ 14,430 $ 6,896 $ 9,086
Schedule of Future Minimum Lease Payments for Operating and Finance Leases	Future lease payment obligations under leases with terms in excess of one year and a reconciliation to lease liabilities as of December 31, 2024 were as follows (in thousands): Operating Leases Finance Leases Total Years ending December 31: 2025 $ 16,852 $ 2,826 $ 19,678 2026 15,634 2,901 18,535 2027 12,647 2,926 15,573 2028 9,904 3,016 12,920 2029 6,907 3,128 10,035 Thereafter 19,137 13,305 32,442 Total future minimum lease payments 81,081 28,102 109,183 Less: interest component (9,102) (3,473) (12,575) Lease liabilities $ 71,979 $ 24,629 $ 96,608
Schedule of Direct or Sales Type Finance Leases	The following table presents the components of the investment in direct or sales type financing leases, included in loans in the consolidated balance sheets at the dates indicated (in thousands): December 31, 2024 December 31, 2023 Total minimum lease payments to be received $ 489,336 $ 644,614 Estimated unguaranteed residual value of leased assets 3,112 3,938 Gross investment in direct or sales type financing leases 492,448 648,552 Unearned income (34,270) (48,403) Initial direct costs 1,001 1,556 $ 459,179 $ 601,705
Schedule of future minimum lease payments under direct or sales type financing leases	At December 31, 2024, future minimum lease payments to be received under direct or sales type financing leases were as follows (in thousands): Years Ending December 31: 2025 $ 163,565 2026 118,826 2027 60,292 2028 30,821 2029 25,279 Thereafter 90,553 $ 489,336
Schedule of Property Subject to or Available for Operating Lease	The following table presents the components of operating lease equipment at the dates indicated (in thousands): December 31, 2024 December 31, 2023 Operating lease equipment $ 339,165 $ 582,147 Less: accumulated depreciation (115,321) (210,238) Operating lease equipment, net $ 223,844 $ 371,909
Sales-type and Direct Financing Leases, Lease Receivable, Maturity	At December 31, 2024, scheduled minimum rental payments under operating leases were as follows (in thousands): Years Ending December 31: 2025 $ 13,278 2026 12,021 2027 11,461 2028 9,986 2029 5,627 Thereafter 14,735 $ 67,108
Operating and Direct Finance Lease Income	The following table summarizes income recognized for operating and direct or sales type finance leases for the periods indicated (in thousands): Years Ended December 31, 2024 2023 2022 Location of Lease Income on Consolidated Statements of Income Operating leases $ 24,681 $ 47,868 $ 54,111 Non-interest income from lease financing Direct or sales type finance leases 15,148 15,643 17,881 Interest income on loans $ 39,829 $ 63,511 $ 71,992

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2024
Broker-Dealer [Abstract]
Summary of Average Balances and Weighted Average Rates Paid on Deposits	The following table presents average balances and weighted average rates paid on deposits for the periods indicated (dollars in thousands): Years Ended December 31, 2024 2023 2022 Average Average Average Average Average Average Demand deposits: Non-interest bearing $ 7,239,161 — % $ 7,091,029 — % $ 8,861,111 — % Interest bearing 4,077,852 3.75 % 2,905,968 2.99 % 2,538,906 0.55 % Savings and money market 11,043,510 4.09 % 10,704,470 3.57 % 12,874,240 1.02 % Time 4,757,675 4.44 % 5,169,458 3.70 % 3,338,671 1.06 % $ 27,118,198 3.01 % $ 25,870,925 2.55 % $ 27,612,928 0.65 %
Time Deposit Maturities	The following table presents maturities of time deposits as of December 31, 2024 (in thousands): Maturing in: 2025 $ 3,976,859 2026 323,101 2027 796 2028 274 2029 259 $ 4,301,289
schedule of interest expense on deposits	Interest expense on deposits for the periods indicated was as follows (in thousands): Years Ended December 31, 2024 2023 2022 Interest bearing demand $ 152,809 $ 86,759 $ 13,919 Savings and money market 451,352 382,432 130,705 Time 211,411 191,114 35,348 $ 815,572 $ 660,305 $ 179,972 Certain of our depositors participate in various customer rebate and commission programs. During the years ended December 31, 2024, 2023 and 2022, deposit costs related to these programs totaled $56.5 million, $44.2 million and $15.4 million, respectively. These expenses are included in "other non-interest expense" in the accompanying consolidated statements of income.

Federal Home Loan Bank Advanc_2

Federal Home Loan Bank Advances and Other Borrowings (Tables)	12 Months Ended
	Dec. 31, 2024
Federal Home Loan Banks [Abstract]
Federal Home Loan Bank, Advance, Branch of FHLBank	The following table presents information about outstanding FHLB advances at December 31, 2024 (dollars in thousands): Range of Interest Rates Amount Minimum Maximum Weighted Average Rate Maturing in: 2025 - One month or less $ 2,500,000 4.43 % 4.84 % 4.53 % 2025 - Over one month 430,000 4.45 % 4.70 % 4.60 % Total contractual balance outstanding $ 2,930,000
Schedule of Debt	Notes and other borrowings consisted of the following at the dates indicated (dollars in thousands): December 31, 2024 December 31, 2023 Senior notes: Principal amount of 4.875% senior notes maturing on November 17, 2025 $ 388,479 $ 388,479 Unamortized discount and debt issuance costs (802) (1,676) 387,677 386,803 Subordinated notes: Principal amount of 5.125% subordinated notes maturing on June 11, 2030 300,000 300,000 Unamortized discount and debt issuance costs (3,753) (4,331) 296,247 295,669 Total notes 683,924 682,472 Finance leases 24,629 26,501 Notes and other borrowings $ 708,553 $ 708,973

Premises and Equipment and Le_2

Premises and Equipment and Lease Commitments Property, Plant and Equipment (Tables)	12 Months Ended
	Dec. 31, 2024
Property, Plant and Equipment [Abstract]
Property, Plant and Equipment	Premises and equipment and capitalized software costs are included in other assets in the accompanying consolidated balance sheets and are summarized as follows at the dates indicated (in thousands): December 31, 2024 December 31, 2023 Buildings and improvements $ 1,673 $ 1,019 Leasehold improvements 78,938 78,811 Furniture, fixtures and equipment 32,133 34,118 Computer equipment 16,661 16,547 Software and CCA 116,125 105,593 Aircraft and automobiles 11,841 11,663 257,371 247,751 Less: accumulated depreciation (196,015) (182,934) Premises, equipment and software, net $ 61,356 $ 64,817 Depreciation and amortization expense related to premises, equipment and software was $18.8 million, $18.7 million and $17.5 million for the years ended December 31, 2024, 2023 and 2022, respectively.

Income Taxes Income Taxes Table

Income Taxes Income Taxes Table (Tables)	12 Months Ended
	Dec. 31, 2024
Income Taxes Table [Abstract]
Schedule of Components of Income Tax Expense (Benefit)	The components of the provision for income taxes were as follows for the periods indicated (in thousands): Years Ended December 31, 2024 2023 2022 Current: Federal $ 97,577 $ 82,789 $ 76,431 State 30,232 22,456 12,293 127,809 105,245 88,724 Deferred: Federal (35,265) (38,303) (7,191) State (8,662) (8,529) 8,628 (43,927) (46,832) 1,437 $ 83,882 $ 58,413 $ 90,161
Schedule of Effective Income Tax Rate Reconciliation	A reconciliation of expected income tax expense at the statutory federal income tax rate of 21% to the Company's effective income tax rate for the periods indicated follows (dollars in thousands): Years Ended December 31, 2024 2023 2022 Amount Percent Amount Percent Amount Percent Tax expense calculated at the statutory federal income tax rate $ 66,433 21.00 % $ 49,788 21.00 % $ 78,778 21.00 % Increases (decreases) resulting from: Income not subject to tax (12,422) (3.93) % (13,404) (5.65) % (10,577) (2.82) % State income taxes, net of federal tax benefit 15,553 4.92 % 12,162 5.13 % 17,859 4.76 % Changes in unrecognized tax benefits 10,437 3.30 % 8,413 3.55 % 5,255 1.40 % FDIC premiums non-deductible 3,970 1.26 % 4,246 1.79 % 2,554 0.68 % Other, net (89) (0.03) % (2,792) (1.18) % (3,708) (0.99) % $ 83,882 26.52 % $ 58,413 24.64 % $ 90,161 24.03 %
Schedule of Deferred Tax Assets and Liabilities	The components of deferred tax assets and liabilities were as follows at the dates indicated (in thousands): December 31, 2024 December 31, 2023 Deferred tax assets: Net unrealized loss on investment securities AFS and cash flow hedges $ 99,974 $ 125,580 Allowance for credit losses 59,291 55,188 Accrued expenses 22,267 19,301 Lease liability 18,301 18,592 Deferred compensation 12,225 11,431 Other 44,918 45,797 Gross deferred tax assets 256,976 275,889 Deferred tax liabilities: Lease financing, due to differences in depreciation 56,818 96,225 ROU asset 34,752 31,886 Other 4,788 5,480 Gross deferred tax liabilities 96,358 133,591 Net deferred tax asset $ 160,618 $ 142,298
Schedule of Unrecognized Tax Benefits Roll Forward	The Company has a liability for unrecognized tax benefits relating to uncertain federal and state tax positions in several jurisdictions. A reconciliation of the beginning and ending amount of gross unrecognized tax benefits at the dates indicated follows (in thousands): December 31, 2024 December 31, 2023 December 31, 2022 Balance, beginning of period $ 383,895 $ 369,880 $ 347,809 Additions for tax positions related to the current year 3,023 2,802 3,086 Additions for tax positions related to prior periods 1,132 708 12,433 Reductions due to settlements with taxing authorities (485) (347) — Reductions due to lapse of the statute of limitations (1,314) (1,617) (795) 386,251 371,426 362,533 Interest and penalties 14,878 12,469 7,347 Balance, end of period $ 401,129 $ 383,895 $ 369,880

Derivatives and Hedging Activ_2

Derivatives and Hedging Activities (Tables)	12 Months Ended
	Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Interest Rate Contract Derivative Financial Instruments and Related Hedged Items	The following table summarizes the Company's derivatives designated as hedging instruments as of the dates indicated (in thousands): December 31, 2024 December 31, 2023 Notional Amount Fair Value (1) Notional Amount Fair Value (1) Asset Liability Asset Liability Derivatives designated as cash flow hedges: Interest rate swaps $ 4,030,000 $ — $ (4,011) $ 3,215,000 $ — $ (1,048) Interest rate caps purchased 200,000 3,395 — 200,000 10,157 — Interest rate collar 125,000 — (30) 125,000 84 — Derivatives designated as fair value hedges: Interest rate swaps — — — 100,000 — — $ 4,355,000 $ 3,395 $ (4,041) $ 3,640,000 $ 10,241 $ (1,048) (1) The fair values of derivatives are included in other assets or other liabilities in the consolidated balance sheets.
Schedule of Cash Flow Hedging Instruments, Statements of Financial Performance and Financial Position, Location	The following table provides information about the amount of gain (loss) related to derivatives designated as cash flow hedges reclassified from AOCI into interest income or expense for the periods indicated (in thousands): Years Ended December 31, 2024 2023 2022 Location of gain (loss) reclassified from AOCI into income: Interest expense on deposits $ 18,235 $ 23,569 $ 4,357 Interest expense on borrowings 48,064 44,790 (4,224) Interest income on loans (3,923) (2,620) (43) $ 62,376 $ 65,739 $ 90
Derivative and Hedging Activities - Carrying Value of Hedged Item and Cumulative Fair Value Adjustments	The following table provides information about the hedged items related to derivatives designated as fair value hedges at December 31, 2023 (in thousands): December 31, 2023 Location in Consolidated Balance Sheets Contractual balance outstanding of hedged item (1) $ 100,000 Loans Cumulative fair value hedging adjustments $ (1,656) Loans (1) This amount was included in the amortized cost basis of a closed portfolio of loans used to designate hedging relationships in a portfolio layer method hedge in which the hedged item is anticipated to be outstanding for the designated hedge period. The amortized cost basis of the closed portfolio used in this hedging relationship was $992 million at December 31, 2023.
Derivatives Not Designated as Hedging Instruments	The following table summarizes the Company's derivatives not designated as hedging instruments as of the dates indicated (in thousands): December 31, 2024 December 31, 2023 Notional Amount Fair Value (1) Notional Amount Fair Value (1) Asset Liability Asset Liability Pay-fixed interest rate swaps $ 2,767,552 $ 69,802 $ (10,342) $ 2,166,813 $ 76,793 $ (16,702) Pay-variable interest rate swaps 2,767,552 10,342 (69,802) 2,166,813 16,702 (77,257) Interest rate caps purchased 210,398 1,418 — 65,610 1,922 — Interest rate caps sold 210,398 — (1,418) 65,610 — (1,922) RPAs purchased 126,578 175 — 77,846 20 — RPAs sold 424,424 — (296) 284,910 — (237) $ 6,506,902 $ 81,737 $ (81,858) $ 4,827,602 $ 95,437 $ (96,118) (1) Fair values of these derivatives are included in other assets and other liabilities in the consolidated balance sheets.
Schedule of Interest Rate Swaps Subject to Master Netting Agreements	The Company does not offset assets and liabilities under master netting agreements for financial reporting purposes. Information on interest rate swaps and caps subject to these agreements is as follows at the dates indicated (in thousands): December 31, 2024 Gross Amounts Offset in Balance Net Amounts Presented in Gross Amounts Not Offset in Gross Amounts Derivative Collateral Net Amount Derivative assets $ 74,615 $ — $ 74,615 $ (11,161) $ (63,376) $ 78 Derivative liabilities (14,383) — (14,383) 11,161 3,222 — $ 60,232 $ — $ 60,232 $ — $ (60,154) $ 78 December 31, 2023 Gross Amounts Offset in Balance Net Amounts Presented in Gross Amounts Not Offset in Gross Amounts Derivative Collateral Net Amount Derivative assets $ 88,956 $ — $ 88,956 $ (15,154) $ (73,730) $ 72 Derivative liabilities (17,750) — (17,750) 15,154 2,596 — $ 71,206 $ — $ 71,206 $ — $ (71,134) $ 72

Stockholders' Equity (Tables)

Stockholders' Equity (Tables)	12 Months Ended
	Dec. 31, 2024
Equity [Abstract]
Schedule of Changes in AOCI	Changes in accumulated other comprehensive income are summarized as follows for the periods indicated (in thousands): Year Ended December 31, 2024 Before Tax Tax Effect Net of Tax Change in net unrealized gains (losses) on investment securities available for sale: Net unrealized holding gain arising during the period $ 130,244 $ (33,864) $ 96,380 Amounts reclassified to gain on investment securities available for sale, net (1,074) 279 (795) Net change in unrealized gains (losses) on investment securities available for sale 129,170 (33,585) 95,585 Change in net unrealized gains (losses) on derivative instruments: Net unrealized holding gain arising during the period 31,693 (8,240) 23,453 Amounts reclassified to interest expense on deposits (18,235) 4,741 (13,494) Amounts reclassified to interest expense on borrowings (48,064) 12,497 (35,567) Amounts reclassified to interest income on loans 3,923 (1,020) 2,903 Net change in unrealized gains (losses) on derivative instruments (30,683) 7,978 (22,705) Other comprehensive income $ 98,487 $ (25,607) $ 72,880 Year Ended December 31, 2023 Before Tax Tax Effect Net of Tax Change in net unrealized gains (losses) on investment securities available for sale: Net unrealized holding gain arising during the period $ 141,227 $ (36,719) $ 104,508 Amounts reclassified to gain on investment securities available for sale, net (1,815) 472 (1,343) Net change in unrealized gains (losses) on investment securities available for sale 139,412 (36,247) 103,165 Change in net unrealized gains (losses) on derivative instruments: Net unrealized holding gain arising during the period 35,089 (9,123) 25,966 Amounts reclassified to interest expense on deposits (23,569) 6,128 (17,441) Amounts reclassified to interest expense on borrowings (44,790) 11,645 (33,145) Amounts reclassified to interest income on loans 2,620 (681) 1,939 Net change in unrealized gains (losses) on derivative instruments (30,650) 7,969 (22,681) Other comprehensive income $ 108,762 $ (28,278) $ 80,484 Year Ended December 31, 2022 Before Tax Tax Effect Net of Tax Change in net unrealized gains (losses) on investment securities available for sale: Net unrealized holding loss arising during the period $ (674,115) $ 175,251 $ (498,864) Amounts reclassified to gain on investment securities available for sale, net (3,927) 1,021 (2,906) Net change in unrealized gains (losses) on investment securities available for sale (678,042) 176,272 (501,770) Change in net unrealized gains (losses) on derivative instruments: Net unrealized holding gain arising during the period 107,764 (27,893) 79,871 Amounts reclassified to interest expense on deposits (4,357) 1,133 (3,224) Amounts reclassified to interest expense on borrowings 4,224 (1,098) 3,126 Amounts reclassified to interest income on loans 43 (11) 32 Net change in unrealized gains (losses) on derivative instruments 107,674 (27,869) 79,805 Other comprehensive loss $ (570,368) $ 148,403 $ (421,965)
Schedule of the Categories of AOCI and Changes Therein	The categories of AOCI and changes therein are presented below for the periods indicated (in thousands): Unrealized Gain (Loss) on Unrealized Gain (Loss) Total Balance at December 31, 2021 $ 2,859 $ (18,799) $ (15,940) Other comprehensive loss (501,770) 79,805 (421,965) Balance at December 31, 2022 (498,911) 61,006 (437,905) Other comprehensive income 103,165 (22,681) 80,484 Balance at December 31, 2023 (395,746) 38,325 (357,421) Other comprehensive income 95,585 (22,705) 72,880 Balance at December 31, 2024 $ (300,161) $ 15,620 $ (284,541)

Equity Based Compensation (Tabl

Equity Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2024
Share-Based Payment Arrangement [Abstract]
Disclosure of Share-based Compensation Arrangements by Share-based Payment Award	The following table summarizes compensation cost related to equity based awards for the periods indicated (in thousands): Years Ended December 31, 2024 2023 2022 Compensation cost of equity based awards: RSAs $ 16,237 $ 16,122 $ 16,203 Executive share-based awards 7,244 3,351 4,239 Non-executive RSUs 7,615 5,081 4,886 Total compensation cost of equity based awards 31,096 24,554 25,328 Related tax benefits (8,085) (6,384) (6,585) Compensation cost of equity based awards, net of tax $ 23,011 $ 18,170 $ 18,743
Schedule of Nonvested Share Activity	A summary of activity related to non-executive share-based awards for the periods indicated follows: RSA Non-Executive RSU Number of Share Awards Weighted Average Grant Date Fair Value Number of Share Awards Weighted Average Grant Date Fair Value Unvested share awards outstanding, December 31, 2021 1,179,684 $ 37.17 — $ — Granted 496,361 41.75 294,331 41.87 Vested (391,693) 36.72 — — Canceled or forfeited (90,037) 39.38 (36,355) 41.87 Unvested share awards outstanding, December 31, 2022 1,194,315 39.05 257,976 41.87 Granted 509,139 33.51 378,609 35.39 Vested (542,003) 37.81 — — Canceled or forfeited (145,051) 37.92 (23,094) 35.39 Unvested share awards outstanding, December 31, 2023 1,016,400 37.10 613,491 38.11 Granted 484,650 26.71 372,274 26.23 Vested (405,491) 35.62 (205,223) 37.78 Canceled or forfeited (23,376) 34.25 (91,293) 34.62 Unvested share awards outstanding, December 31, 2024 1,072,183 $ 33.03 689,249 $ 32.25 The following table summarizes the closing price of the Company's stock on the date of grant for shares granted and the aggregate grant date fair value of shares vesting for the periods indicated (in thousands, except per share data): Years Ended December 31, 2024 2023 2022 Range of the closing price on date of grant $26.23 - $40.30 $16.94 - $35.39 $39.39 - $43.67 Aggregate grant date fair value of shares vesting $ 22,060 $ 20,757 $ 14,383
Share-based Payment Arrangement, Outstanding Award, Activity, Excluding Option	A summary of activity related to executive share-based awards for the periods indicated follows: RSU PSU Unvested executive share-based awards outstanding, December 31, 2021 119,488 243,607 Granted 66,990 66,990 Vested (77,648) (73,062) Unvested executive share-based awards outstanding, December 31, 2022 108,830 237,535 Granted 136,778 136,778 Vested (104,976) (106,731) Unvested executive share-based awards outstanding, December 31, 2023 140,632 267,582 Granted 105,173 105,173 Vested (113,351) (63,814) Unvested executive share-based awards outstanding, December 31, 2024 132,454 308,941

Regulatory Requirements and R_2

Regulatory Requirements and Restrictions (Tables)	12 Months Ended
	Dec. 31, 2024
Banking and Thrift, Other Disclosure [Abstract]
Regulatory Capital Requirements under Banking Regulations [Text Block]	Note 13 Regulatory Requirements and Restrictions The Company and the Bank are subject to various regulatory capital requirements administered by Federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities and certain off-balance-sheet items calculated pursuant to regulation. The capital amounts and classification also are subject to qualitative judgments by the regulators about components, risk weightings and other factors. Banking regulations identify five capital categories for insured depository institutions: well-capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized. As of December 31, 2024 and 2023, all capital ratios of the Company and the Bank exceeded the "well capitalized" levels under the regulatory framework for prompt corrective action. Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios of total, common equity tier 1 and tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of tier 1 capital to average tangible assets (leverage ratio). The following tables provide information regarding regulatory capital for the Company at the dates indicated (dollars in thousands): December 31, 2024 Actual Required to be Required to be Required to be Considered Amount Ratio Amount Ratio Amount Ratio Amount Ratio BankUnited, Inc.: Tier 1 leverage $ 3,024,425 8.48 % N/A (1) N/A (1) $ 1,425,865 4.00 % N/A (1) N/A (1) CET1 risk-based capital $ 3,024,425 12.01 % $ 1,636,789 6.50 % $ 1,133,162 4.50 % $ 1,762,696 7.00 % Tier 1 risk-based capital $ 3,024,425 12.01 % $ 2,014,510 8.00 % $ 1,510,883 6.00 % $ 2,140,417 8.50 % Total risk-based capital $ 3,548,872 14.09 % $ 2,518,138 10.00 % $ 2,014,510 8.00 % $ 2,644,044 10.50 % BankUnited: Tier 1 leverage $ 3,444,673 9.67 % $ 1,780,805 5.00 % $ 1,424,644 4.00 % N/A N/A CET1 risk-based capital $ 3,444,673 13.70 % $ 1,634,262 6.50 % $ 1,131,412 4.50 % $ 1,759,974 7.00 % Tier 1 risk-based capital $ 3,444,673 13.70 % $ 2,011,399 8.00 % $ 1,508,549 6.00 % $ 2,137,112 8.50 % Total risk-based capital $ 3,669,120 14.59 % $ 2,514,249 10.00 % $ 2,011,399 8.00 % $ 2,639,961 10.50 % December 31, 2023 Actual Required to be Required to be Required to be Considered Amount Ratio Amount Ratio Amount Ratio Amount Ratio BankUnited, Inc.: Tier 1 leverage $ 2,865,758 7.93 % N/A (1) N/A (1) $ 1,446,093 4.00 % N/A (1) N/A (1) CET1 risk-based capital $ 2,865,758 11.39 % $ 1,635,794 6.50 % $ 1,132,472 4.50 % $ 1,761,624 7.00 % Tier 1 risk-based capital $ 2,865,758 11.39 % $ 2,013,284 8.00 % $ 1,509,963 6.00 % $ 2,139,115 8.50 % Total risk-based capital $ 3,366,597 13.38 % $ 2,516,605 10.00 % $ 2,013,284 8.00 % $ 2,642,436 10.50 % BankUnited: Tier 1 leverage $ 3,287,884 9.11 % $ 1,805,277 5.00 % $ 1,444,221 4.00 % N/A N/A CET1 risk-based capital $ 3,287,884 13.09 % $ 1,632,880 6.50 % $ 1,130,456 4.50 % $ 1,758,486 7.00 % Tier 1 risk-based capital $ 3,287,884 13.09 % $ 2,009,699 8.00 % $ 1,507,274 6.00 % $ 2,135,305 8.50 % Total risk-based capital $ 3,488,723 13.89 % $ 2,512,124 10.00 % $ 2,009,699 8.00 % $ 2,637,730 10.50 % (1) There is no Tier 1 leverage ratio component in the definition of a well-capitalized bank holding company. Upon the adoption of ASU 2016-13 effective January 1, 2020, the Company elected the option to temporarily delay the effects of CECL on regulatory capital for two years, followed by a three-year transition period. The CECL deferral will be fully phased in beginning January 1, 2025. BankUnited is subject to various regulatory restrictions relating to the payment of dividends, including requirements to maintain capital at or above certain minimums, and to remain "well-capitalized" under the prompt corrective action regulations. The Company does not expect that any of these laws, regulations or policies will materially affect the ability of BankUnited to pay dividends in the foreseeable future.
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	The following tables provide information regarding regulatory capital for the Company at the dates indicated (dollars in thousands): December 31, 2024 Actual Required to be Required to be Required to be Considered Amount Ratio Amount Ratio Amount Ratio Amount Ratio BankUnited, Inc.: Tier 1 leverage $ 3,024,425 8.48 % N/A (1) N/A (1) $ 1,425,865 4.00 % N/A (1) N/A (1) CET1 risk-based capital $ 3,024,425 12.01 % $ 1,636,789 6.50 % $ 1,133,162 4.50 % $ 1,762,696 7.00 % Tier 1 risk-based capital $ 3,024,425 12.01 % $ 2,014,510 8.00 % $ 1,510,883 6.00 % $ 2,140,417 8.50 % Total risk-based capital $ 3,548,872 14.09 % $ 2,518,138 10.00 % $ 2,014,510 8.00 % $ 2,644,044 10.50 % BankUnited: Tier 1 leverage $ 3,444,673 9.67 % $ 1,780,805 5.00 % $ 1,424,644 4.00 % N/A N/A CET1 risk-based capital $ 3,444,673 13.70 % $ 1,634,262 6.50 % $ 1,131,412 4.50 % $ 1,759,974 7.00 % Tier 1 risk-based capital $ 3,444,673 13.70 % $ 2,011,399 8.00 % $ 1,508,549 6.00 % $ 2,137,112 8.50 % Total risk-based capital $ 3,669,120 14.59 % $ 2,514,249 10.00 % $ 2,011,399 8.00 % $ 2,639,961 10.50 % December 31, 2023 Actual Required to be Required to be Required to be Considered Amount Ratio Amount Ratio Amount Ratio Amount Ratio BankUnited, Inc.: Tier 1 leverage $ 2,865,758 7.93 % N/A (1) N/A (1) $ 1,446,093 4.00 % N/A (1) N/A (1) CET1 risk-based capital $ 2,865,758 11.39 % $ 1,635,794 6.50 % $ 1,132,472 4.50 % $ 1,761,624 7.00 % Tier 1 risk-based capital $ 2,865,758 11.39 % $ 2,013,284 8.00 % $ 1,509,963 6.00 % $ 2,139,115 8.50 % Total risk-based capital $ 3,366,597 13.38 % $ 2,516,605 10.00 % $ 2,013,284 8.00 % $ 2,642,436 10.50 % BankUnited: Tier 1 leverage $ 3,287,884 9.11 % $ 1,805,277 5.00 % $ 1,444,221 4.00 % N/A N/A CET1 risk-based capital $ 3,287,884 13.09 % $ 1,632,880 6.50 % $ 1,130,456 4.50 % $ 1,758,486 7.00 % Tier 1 risk-based capital $ 3,287,884 13.09 % $ 2,009,699 8.00 % $ 1,507,274 6.00 % $ 2,135,305 8.50 % Total risk-based capital $ 3,488,723 13.89 % $ 2,512,124 10.00 % $ 2,009,699 8.00 % $ 2,637,730 10.50 %

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2024
Fair Value Disclosures [Abstract]
Schedule of Assets and Liabilities Measured at Fair Value on a Recurring Basis	The following tables present assets and liabilities measured at fair value on a recurring basis at the dates indicated (in thousands): December 31, 2024 Level 1 Level 2 Total Investment securities available for sale: U.S. Treasury securities $ 202,952 $ — $ 202,952 U.S. Government agency and sponsored enterprise residential MBS — 2,649,690 2,649,690 U.S. Government agency and sponsored enterprise commercial MBS — 495,753 495,753 Private label residential MBS and CMOs — 2,238,046 2,238,046 Private label commercial MBS — 1,784,029 1,784,029 Single family real estate-backed securities — 327,081 327,081 Collateralized loan obligations — 1,132,699 1,132,699 Non-mortgage asset-backed securities — 94,454 94,454 State and municipal obligations — 104,010 104,010 SBA securities — 72,702 72,702 Marketable equity securities 28,828 — 28,828 Derivative assets — 85,132 85,132 Total assets at fair value $ 231,780 $ 8,983,596 $ 9,215,376 Derivative liabilities $ — $ (85,899) $ (85,899) Total liabilities at fair value $ — $ (85,899) $ (85,899) December 31, 2023 Level 1 Level 2 Total Investment securities available for sale: U.S. Treasury securities $ 130,592 $ — $ 130,592 U.S. Government agency and sponsored enterprise residential MBS — 1,924,207 1,924,207 U.S. Government agency and sponsored enterprise commercial MBS — 497,859 497,859 Private label residential MBS and CMOs — 2,295,730 2,295,730 Private label commercial MBS — 2,198,743 2,198,743 Single family real estate-backed securities — 366,255 366,255 Collateralized loan obligations — 1,112,824 1,112,824 Non-mortgage asset-backed securities — 102,780 102,780 State and municipal obligations — 102,618 102,618 SBA securities — 103,024 103,024 Marketable equity securities 32,722 — 32,722 Derivative assets — 105,678 105,678 Total assets at fair value $ 163,314 $ 8,809,718 $ 8,973,032 Derivative liabilities $ — $ (97,166) $ (97,166) Total liabilities at fair value $ — $ (97,166) $ (97,166)
Schedule of Assets for Which Nonrecurring Changes in Fair Value have been Recorded	The following table presents the net carrying value of assets classified within level 3 of the fair value hierarchy at the dates indicated, for which non-recurring changes in fair value were recorded during the period then ended (in thousands): December 31, 2024 December 31, 2023 Collateral dependent loans $ 165,951 $ 50,885 OREO 2,577 29 $ 168,528 $ 50,914
Schedule of the Carrying Value and Fair Value of Financial Instruments	The following table presents the carrying value and fair value of financial instruments and the level within the fair value hierarchy in which those measurements are classified at the dates indicated (dollars in thousands): December 31, 2024 December 31, 2023 Level Carrying Value Fair Value Carrying Value Fair Value Assets: Cash and cash equivalents 1 $ 491,116 $ 491,116 $ 588,283 $ 588,283 Investment securities 1/2 $ 9,130,244 $ 9,130,244 $ 8,877,354 $ 8,877,281 Non-marketable equity securities 2 $ 206,297 $ 206,297 $ 310,084 $ 310,084 Loans, net 3 $ 24,074,827 $ 23,053,011 $ 24,430,995 $ 23,075,192 Derivative assets 2 $ 85,132 $ 85,132 $ 105,678 $ 105,678 Liabilities: Demand, savings and money market deposits 2 $ 23,564,414 $ 23,564,414 $ 21,374,483 $ 21,374,483 Time deposits 2 $ 4,301,289 $ 4,279,475 $ 5,163,995 $ 5,133,119 FHLB advances 2 $ 2,930,000 $ 2,929,896 $ 5,115,000 $ 5,115,637 Notes and other borrowings 2 $ 708,553 $ 695,457 $ 708,973 $ 676,077 Derivative liabilities 2 $ 85,899 $ 85,899 $ 97,166 $ 97,166

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2024
Commitments and Contingencies Disclosure [Abstract]
Schedule of the Total Lending Related Commitments Outstanding	Total lending related commitments outstanding at December 31, 2024 were as follows (in thousands): Commitments to fund loans $ 261,634 Unfunded commitments under lines of credit 4,676,612 Commercial and standby letters of credit 171,985 $ 5,110,231

Condensed Financial Statement_2

Condensed Financial Statements of BankUnited, Inc. (Tables)	12 Months Ended
	Dec. 31, 2024
Condensed Financial Statements [Abstract]
Condensed Balance Sheet [Table Text Block]	Condensed Balance Sheets December 31, 2024 December 31, 2023 Assets: Cash and cash equivalents $ 274,350 $ 262,036 Marketable equity securities, at fair value 28,828 32,722 Investment in BankUnited, N.A. 3,233,366 2,999,190 Other assets 7,423 7,739 Total assets $ 3,543,967 $ 3,301,687 Liabilities and Stockholders' Equity: Notes payable $ 683,924 $ 682,472 Other liabilities 45,725 41,294 Stockholders' equity 2,814,318 2,577,921 Total liabilities and stockholders' equity $ 3,543,967 $ 3,301,687
Condensed Income Statement [Table Text Block]	Condensed Statements of Income Years Ended December 31, 2024 2023 2022 Income: Interest and dividends on investment securities $ 1,729 $ 3,751 $ 5,047 Service fees from subsidiary 16,775 16,749 17,185 Equity in earnings of subsidiary 276,296 225,288 338,911 Gain (loss) on investment securities 1,053 (11,555) (19,732) Gain on extinguishment of debt — 904 — Total 295,853 235,137 341,411 Expense: Interest on borrowings 35,765 36,057 36,210 Employee compensation and benefits 34,624 28,271 29,189 Other 4,097 4,995 3,857 Total 74,486 69,323 69,256 Income before income taxes 221,367 165,814 272,155 Benefit for income taxes (11,100) (12,857) (12,816) Net income $ 232,467 $ 178,671 $ 284,971
Condensed Cash Flow Statement [Table Text Block]	Condensed Statements of Cash Flows Years Ended December 31, 2024 2023 2022 Cash flows from operating activities: Net income $ 232,467 $ 178,671 $ 284,971 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed earnings of subsidiaries (161,296) (140,288) 266,089 Equity based compensation 21,573 26,315 25,179 Other 5,046 8,936 1,858 Net cash provided by operating activities 97,790 73,634 578,097 Cash flows from investing activities: Proceeds from sale, maturities and calls of investment securities 5,000 73,962 10,000 Other — (160) — Net cash provided by investing activities 5,000 73,802 10,000 Cash flows from financing activities: Dividends paid (85,513) (79,091) (79,443) Repurchase of common stock — (55,154) (401,288) Repurchase of senior notes — (10,554) — Other (4,963) (6,883) (5,296) Net cash used in financing activities (90,476) (151,682) (486,027) Net increase (decrease) in cash and cash equivalents 12,314 (4,246) 102,070 Cash and cash equivalents, beginning of period 262,036 266,282 164,212 Cash and cash equivalents, end of period $ 274,350 $ 262,036 $ 266,282 Supplemental schedule of non-cash investing and financing activities: Dividends declared, not paid $ 22,176 $ 20,706 $ 19,346

Quarterly Financial Informati_2

Quarterly Financial Information (Unaudited) (Tables)	12 Months Ended
	Dec. 31, 2024
Quarterly Financial Information Disclosure [Abstract]
Quarterly Financial Information (Unaudited)	Financial information by quarter for the periods indicated follows (in thousands, except per share data): 2024 Fourth Quarter Third Quarter Second Quarter First Quarter Total Interest income $ 467,988 $ 492,356 $ 483,298 $ 481,474 $ 1,925,116 Interest expense 228,729 258,228 257,276 266,617 1,010,850 Net interest income before provision for credit losses 239,259 234,128 226,022 214,857 914,266 Provision for credit losses 11,001 9,248 19,538 15,285 55,072 Net interest income after provision for credit losses 228,258 224,880 206,484 199,572 859,194 Non-interest income 25,205 22,888 24,185 26,877 99,155 Non-interest expense 160,472 164,582 157,706 159,240 642,000 Income before income taxes 92,991 83,186 72,963 67,209 316,349 Provision for income taxes 23,689 21,734 19,230 19,229 83,882 Net income $ 69,302 $ 61,452 $ 53,733 $ 47,980 $ 232,467 Earnings per common share, basic $ 0.92 $ 0.82 $ 0.72 $ 0.64 $ 3.10 Earnings per common share, diluted $ 0.91 $ 0.81 $ 0.72 $ 0.64 $ 3.08 2023 Fourth Quarter Third Quarter Second Quarter First Quarter Total Interest income $ 483,205 $ 470,539 $ 463,421 $ 440,416 $ 1,857,581 Interest expense 265,995 255,697 249,543 212,542 983,777 Net interest income before provision for credit losses 217,210 214,842 213,878 227,874 873,804 Provision for credit losses 19,253 33,049 15,517 19,788 87,607 Net interest income after provision for credit losses 197,957 181,793 198,361 208,086 786,197 Non-interest income 17,092 27,724 25,487 16,535 86,838 Non-interest expense 190,863 147,090 145,218 152,780 635,951 Income before income taxes 24,186 62,427 78,630 71,841 237,084 Provision for income taxes 3,374 15,446 20,634 18,959 58,413 Net income $ 20,812 $ 46,981 $ 57,996 $ 52,882 $ 178,671 Earnings per common share, basic $ 0.27 $ 0.63 $ 0.78 $ 0.71 $ 2.39 Earnings per common share, diluted $ 0.27 $ 0.63 $ 0.78 $ 0.70 $ 2.38

Basis of Presentation and Sum_3

Basis of Presentation and Summary of Significant Accounting Policies (Narrative) (Details)	Dec. 31, 2024
Minimum | Buildings and improvements
Segment Reporting Information [Line Items]
Property, Plant and Equipment, Useful Life	10 years
Minimum | Leasehold improvements
Segment Reporting Information [Line Items]
Property, Plant and Equipment, Useful Life	3 years
Minimum | Aircraft and automobiles
Segment Reporting Information [Line Items]
Property, Plant and Equipment, Useful Life	5 years
Minimum | Furniture, fixtures and equipment
Segment Reporting Information [Line Items]
Property, Plant and Equipment, Useful Life	5 years
Minimum | Computer equipment
Segment Reporting Information [Line Items]
Property, Plant and Equipment, Useful Life	3 years
Minimum | Software and CCA
Segment Reporting Information [Line Items]
Property, Plant and Equipment, Useful Life	3 years
Maximum | Buildings and improvements
Segment Reporting Information [Line Items]
Property, Plant and Equipment, Useful Life	30 years
Maximum | Leasehold improvements
Segment Reporting Information [Line Items]
Property, Plant and Equipment, Useful Life	20 years
Maximum | Aircraft and automobiles
Segment Reporting Information [Line Items]
Property, Plant and Equipment, Useful Life	15 years
Maximum | Furniture, fixtures and equipment
Segment Reporting Information [Line Items]
Property, Plant and Equipment, Useful Life	7 years
Maximum | Computer equipment
Segment Reporting Information [Line Items]
Property, Plant and Equipment, Useful Life	5 years
Maximum | Software and CCA
Segment Reporting Information [Line Items]
Property, Plant and Equipment, Useful Life	5 years

Earnings Per Common Share (Comp

Earnings Per Common Share (Computation of Basic and Diluted Earnings per Common Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2024	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Numerator:
Net income	$ 69,302	$ 61,452	$ 53,733	$ 47,980	$ 20,812	$ 46,981	$ 57,996	$ 52,882	$ 232,467	$ 178,671	$ 284,971
Distributed and undistributed earnings allocated to participating securities									(4,113)	(3,565)	(5,075)
Income allocated to common stockholders for basic earnings per common share									$ 228,354	$ 175,106	$ 279,896
Denominator:
Weighted average common shares outstanding (in shares)									74,694,303	74,493,898	80,032,356
Less average unvested stock awards (in shares)									(1,098,045)	(1,168,004)	(1,224,568)
Weighted average shares for basic earnings per common share (in shares)									73,596,258	73,325,894	78,807,788
Earnings per common share, basic (in dollars per share)	$ 0.92	$ 0.82	$ 0.72	$ 0.64	$ 0.27	$ 0.63	$ 0.78	$ 0.71	$ 3.10	$ 2.39	$ 3.55
Numerator:
Income allocated to common stockholders for basic earnings per common share									$ 228,354	$ 175,106	$ 279,896
Adjustment for earnings reallocated from participating securities									(402)	(275)	(626)
Income used in calculating diluted earnings per common share									$ 227,952	$ 174,831	$ 279,270
Denominator:
Weighted average shares for basic earnings per common share (in shares)									73,596,258	73,325,894	78,807,788
Dilutive effect of certain share-based awards (in shares)									382,043	197,441	94
Weighted average shares for diluted earnings per common share (in shares)									73,978,301	73,523,335	78,807,882
Diluted earnings per common share (in dollars per share)	$ 0.91	$ 0.81	$ 0.72	$ 0.64	$ 0.27	$ 0.63	$ 0.78	$ 0.70	$ 3.08	$ 2.38	$ 3.54

Earnings Per Common Share Earni

Earnings Per Common Share Earnings per Common Share (Narrative) (Details) - shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Earnings Per Share [Abstract]
Potentially dilutive securities outstanding (in Shares)	1,690,743	1,738,534	2,034,960

Investment Securities (Schedule

Investment Securities (Schedule of Investment Securities Available for Sale) (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 9,507,041	$ 9,369,428
Gross Unrealized Gains	8,376	5,042
Gross Unrealized Losses	(414,001)	(539,838)
Carrying Value	9,101,416	8,834,632
Debt Securities, Available-for-sale and Held-to-maturity		8,844,632
Amortization Cost, net		9,379,428
Investments	9,130,244	8,877,354
U.S. Treasury securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	214,796	139,858
Gross Unrealized Gains	165	532
Gross Unrealized Losses	(12,009)	(9,798)
Carrying Value	202,952	130,592
U.S. Government agency and sponsored enterprise residential MBS
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	2,672,554	1,962,658
Gross Unrealized Gains	3,607	1,810
Gross Unrealized Losses	(26,471)	(40,261)
Carrying Value	2,649,690	1,924,207
U.S. Government agency and sponsored enterprise commercial MBS
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	557,489	561,557
Gross Unrealized Gains	156	107
Gross Unrealized Losses	(61,892)	(63,805)
Carrying Value	495,753	497,859
Private label residential MBS and CMOs
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	2,491,033	2,596,231
Gross Unrealized Gains	506	268
Gross Unrealized Losses	(253,493)	(300,769)
Carrying Value	2,238,046	2,295,730
Private label commercial MBS
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	1,822,881	2,282,833
Gross Unrealized Gains	1,836	678
Gross Unrealized Losses	(40,688)	(84,768)
Carrying Value	1,784,029	2,198,743
Single family real estate-backed securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	335,047	383,984
Gross Unrealized Gains	108	0
Gross Unrealized Losses	(8,074)	(17,729)
Carrying Value	327,081	366,255
Collateralized loan obligations
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	1,131,088	1,122,799
Gross Unrealized Gains	1,804	735
Gross Unrealized Losses	(193)	(10,710)
Carrying Value	1,132,699	1,112,824
Non-mortgage asset-backed securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	96,865	106,095
Gross Unrealized Gains	144	156
Gross Unrealized Losses	(2,555)	(3,471)
Carrying Value	94,454	102,780
State and municipal obligations
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	110,388	107,176
Gross Unrealized Gains	13	715
Gross Unrealized Losses	(6,391)	(5,273)
Carrying Value	104,010	102,618
SBA securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	74,900	106,237
Gross Unrealized Gains	37	41
Gross Unrealized Losses	(2,235)	(3,254)
Carrying Value	72,702	103,024
Investment securities held to maturity
Debt Securities, Available-for-sale [Line Items]
Investment securities held to maturity		10,000
Marketable equity securities
Debt Securities, Available-for-sale [Line Items]
Marketable equity securities	$ 28,828	$ 32,722

Investment Securities (Schedu_2

Investment Securities (Schedule of Maturities of Investment Securities Available for Sale) (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Investments, Debt and Equity Securities [Abstract]
Due in one year or less, Amortized Cost	$ 1,042,618
Due after one year through five years, Amortized Cost	4,717,528
Due after five years through ten years, Amortized Cost	2,509,277
Due after ten years, Amortized Cost	1,237,618
Amortized Cost	9,507,041	$ 9,369,428
Due in one year or less, Fair Value	1,016,379
Due after one year through five years, Fair Value	4,609,428
Due after five years through ten years, Fair Value	2,351,486
Due after ten years, Fair Value	1,124,123
Fair Value	$ 9,101,416	$ 8,834,632

Investment Securities (Schedu_3

Investment Securities (Schedule of Gains and Losses on the Sale and Exchange of Investment Securities Available for Sale) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Investments, Debt and Equity Securities [Abstract]
Proceeds from sale of investment securities	$ 435,003	$ 371,777	$ 798,205
Gross realized gains on investment securities AFS	1,277	1,862	4,058
Gross realized losses on investment securities AFS	(203)	(47)	(131)
Net realized gain	1,074	1,815	3,927
Net gain (loss) on marketable equity securities recognized in earnings	1,053	(11,867)	(19,732)
Gain (loss) on investment securities, net	$ 2,127	$ (10,052)	$ (15,805)

Investment Securities (Schedu_4

Investment Securities (Schedule of the Aggregate Fair Value and Amount by which Amortized Cost Exceeds Fair Value for Investment Securities that are in Unrealized Loss Positions) (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 1,622,289	$ 364,700
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	11,807	2,229
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	5,115,305	7,986,044
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	402,194	537,609
Debt Securities, Available-for-sale, Unrealized Loss Position	6,737,594	8,350,744
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	414,001	539,838
U.S. Treasury securities
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	126,710	9,941
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	3,195	27
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	40,791	99,769
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	8,814	9,771
Debt Securities, Available-for-sale, Unrealized Loss Position	167,501	109,710
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	12,009	9,798
U.S. Government agency and sponsored enterprise residential MBS
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	895,759	82,382
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	5,474	430
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	936,106	1,646,081
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	20,997	39,831
Debt Securities, Available-for-sale, Unrealized Loss Position	1,831,865	1,728,463
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	26,471	40,261
U.S. Government agency and sponsored enterprise commercial MBS
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	55,431	3,332
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	1,545	6
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	394,735	481,651
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	60,347	63,799
Debt Securities, Available-for-sale, Unrealized Loss Position	450,166	484,983
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	61,892	63,805
Private label residential MBS and CMOs
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	147,700	0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	954	0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	2,040,335	2,255,461
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	252,539	300,769
Debt Securities, Available-for-sale, Unrealized Loss Position	2,188,035	2,255,461
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	253,493	300,769
Private label commercial MBS
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	44,000	51,434
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	302	323
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	1,199,150	2,054,378
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	40,386	84,445
Debt Securities, Available-for-sale, Unrealized Loss Position	1,243,150	2,105,812
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	40,688	84,768
Single family real estate-backed securities
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	0	0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	0	0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	301,973	366,255
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	8,074	17,729
Debt Securities, Available-for-sale, Unrealized Loss Position	301,973	366,255
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	8,074	17,729
Collateralized loan obligations
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	336,924	184,652
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	189	348
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	7,726	880,609
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	4	10,362
Debt Securities, Available-for-sale, Unrealized Loss Position	344,650	1,065,261
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	193	10,710
Non-mortgage asset-backed securities
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	0	0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	0	0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	71,789	79,697
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	2,555	3,471
Debt Securities, Available-for-sale, Unrealized Loss Position	71,789	79,697
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	2,555	3,471
State and municipal obligations
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	15,765	24,765
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	148	1,049
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	54,820	32,380
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	6,243	4,224
Debt Securities, Available-for-sale, Unrealized Loss Position	70,585	57,145
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	6,391	5,273
SBA securities
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	0	8,194
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	0	46
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	67,880	89,763
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	2,235	3,208
Debt Securities, Available-for-sale, Unrealized Loss Position	67,880	97,957
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss	$ 2,235	$ 3,254

Investment Securities (Narrativ

Investment Securities (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($) rental security	Dec. 31, 2023 USD ($)
Debt Securities, Available-for-sale [Line Items]
Number of positions | security	476
Number of securities which impairment considered insignificant | security	135
Available-for-sale securities, gross unrealized loss, considered insignificant | $	$ 1,200
Securities in unrealized loss position | $	405,600	$ 534,800
Accumulated gross unrealized gain (loss) | $	129,200
Available-for-sale Securities
Debt Securities, Available-for-sale [Line Items]
Interest receivable | $	36,000	37,000
Securities pledged as collateral | $	$ 7,900,000	$ 7,700,000
U.S. Treasury securities
Debt Securities, Available-for-sale [Line Items]
Number of positions	8
U.S. Government agency and sponsored enterprise residential MBS
Debt Securities, Available-for-sale [Line Items]
Number of positions	94
U.S. Government agency and sponsored enterprise commercial MBS
Debt Securities, Available-for-sale [Line Items]
Number of positions	25
Private label residential MBS and CMOs
Debt Securities, Available-for-sale [Line Items]
Number of positions	115
Percentage of weighted average collateral loss	2%
Percentage of weighted average credit support	18%
Percentage of securities rated AAA	95%
Percentage of securities rated AA	4%
Number of Securities Not Rated	1
Private label commercial MBS
Debt Securities, Available-for-sale [Line Items]
Number of positions	57
Percentage of weighted average collateral loss	7%
Percentage of weighted average credit support	47%
Percentage of securities rated AAA	80%
Percentage of securities rated AA	16%
Percentage of securities rated A	4%
Single family real estate-backed securities
Debt Securities, Available-for-sale [Line Items]
Number of positions	9
Percentage of weighted average collateral loss	7%
Percentage of weighted average credit support	55%
Percentage of securities rated AAA	55%
Percentage of securities rated AA	21%
Number of Securities Not Rated	1
Collateralized loan obligations
Debt Securities, Available-for-sale [Line Items]
Number of positions	2
Percentage of weighted average collateral loss	17%
Percentage of weighted average credit support	43%
Percentage of securities rated AAA	100%
Non-mortgage asset-backed securities
Debt Securities, Available-for-sale [Line Items]
Number of positions	5
Percentage of weighted average collateral loss	4%
Percentage of weighted average credit support	28%
Percentage of securities rated AAA	29%
Percentage of securities rated AA	71%
State and municipal obligations
Debt Securities, Available-for-sale [Line Items]
Number of positions	6
Percentage of securities rated AAA	83%
Percentage of securities rated AA	17%
SBA securities
Debt Securities, Available-for-sale [Line Items]
Number of positions	20

Loans and Allowance for Credi_3

Loans and Allowance for Credit Losses (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Deferred income	$ 33,000,000	$ 45,000,000
Payments to acquire loans held-for-investment	366,197,000	493,291,000	$ 2,283,134,000
Carrying value of securities pledged	15,800,000,000	16,500,000,000
Accrued interest receivable	120,000,000	$ 138,000,000
ACL increased	$ 20,500,000
Allowance for credit losses to total loans (in percent)	0.92%	0.82%
Loans past due by 90 days or more	$ 227,000,000	$ 278,000,000
Financing receivable, nonaccrual	$ 250,114,000	126,451,000
Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Other assets
Small business finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans past due by 90 days or more	$ 32,800,000	39,700,000
Financing receivable, nonaccrual	34,300,000	41,800,000
1-4 single family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Payments to acquire loans held-for-investment	366,000,000	493,000,000	$ 2,300,000,000
C&I
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	125,226,000	68,533,000
C&I | Small business finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans past due by 90 days or more	25,300,000
CRE | Small business finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans past due by 90 days or more	7,500,000
Commercial | Minimum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable credit quality indicator, the value at which relationships are reevaluated at least annually	2,000,000
Commercial | Maximum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable credit quality indicator, the value at which relationships are reevaluated at least annually	3,000,000
Residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, nonaccrual	23,500,000	20,513,000
Loans in the process of forclosure	167,000,000	262,000,000
Government insured residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans in the process of forclosure	$ 157,000,000	$ 250,000,000

Loans and Allowance for Credi_4

Loans and Allowance for Credit Losses (Schedule of Loans) (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 24,297,980	$ 24,633,684
Allowance for credit losses	(223,153)	(202,689)	$ (147,946)	$ (126,457)
Loans, net	$ 24,074,827	$ 24,430,995
Percent of Total Loans	100%	100%
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 16,717,166	$ 16,424,657
Allowance for credit losses	$ (211,203)	$ (195,058)	(136,205)	(117,270)
Percent of Total Loans	68.80%	66.70%
Residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 7,580,814	$ 8,209,027
Allowance for credit losses	$ (11,950)	$ (7,631)	$ (11,741)	$ (9,187)
Percent of Total Loans	31.20%	33.30%
Non-owner occupied commercial real estate | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 5,652,203	$ 5,323,241
Percent of Total Loans	23.30%	21.60%
Construction and land | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 561,989	$ 495,992
Percent of Total Loans	2.30%	2%
Owner occupied commercial real estate | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 1,941,004	$ 1,935,743
Percent of Total Loans	8%	7.90%
Commercial and industrial | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 7,042,222	$ 6,971,981
Percent of Total Loans	28.90%	28.30%
Pinnacle - municipal finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 720,661	$ 884,690
Pinnacle - municipal finance | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 720,661	$ 884,690
Percent of Total Loans	3%	3.60%
Franchise and equipment finance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 213,477	$ 380,347
Franchise and equipment finance | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 213,477	$ 380,347
Percent of Total Loans	0.90%	1.50%
Mortgage warehouse lending
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 585,610	$ 432,663
Mortgage warehouse lending | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 585,610	$ 432,663
Percent of Total Loans	2.40%	1.80%
1-4 single family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 6,508,922	$ 6,903,013
Percent of Total Loans	100%	100%
1-4 single family residential | Residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 6,508,922	$ 6,903,013
Percent of Total Loans	26.80%	28%
Government insured residential | Residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 1,071,892	$ 1,306,014
Percent of Total Loans	4.40%	5.30%

Loans and Allowance for Credi_5

Loans and Allowance for Credit Losses (ALLL Rollforward) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Jan. 01, 2023
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	$ 202,689	$ 147,946	$ 126,457
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	(223,153)	(202,689)	(147,946)
Provision (recovery)	58,986	78,924	73,814
Charge-offs	(59,950)	(35,014)	(62,055)
Recoveries	21,428	12,627	9,730
Ending balance	223,153	202,689	147,946
Cumulative Effect, Period of Adoption, Adjustment
Allowance for Loan and Lease Losses [Roll Forward]
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest				$ 1,794
Cumulative Effect, Period of Adoption, Adjusted Balance
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance			126,457
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest				(146,152)
Commercial
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	195,058	136,205	117,270
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	(211,203)	(195,058)	(136,205)
Provision (recovery)	54,545	82,926	70,956
Charge-offs	(59,824)	(35,014)	(61,643)
Recoveries	21,424	12,618	9,622
Ending balance	211,203	195,058	136,205
Commercial | Cumulative Effect, Period of Adoption, Adjustment
Allowance for Loan and Lease Losses [Roll Forward]
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest				1,677
Commercial | Cumulative Effect, Period of Adoption, Adjusted Balance
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance			117,270
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest				(134,528)
Residential
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	7,631	11,741	9,187
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest	(11,950)	(7,631)	(11,741)
Provision (recovery)	4,441	(4,002)	2,858
Charge-offs	(126)	0	(412)
Recoveries	4	9	108
Ending balance	$ 11,950	$ 7,631	11,741
Residential | Cumulative Effect, Period of Adoption, Adjustment
Allowance for Loan and Lease Losses [Roll Forward]
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest				117
Residential | Cumulative Effect, Period of Adoption, Adjusted Balance
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance			$ 9,187
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest				$ (11,624)

Loans and Allowance for Credi_6

Loans and Allowance for Credit Losses amortized cost basis of residential PCD loans and the related amount of non-credit discount (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Credit Quality Indicator [Line Items]
Allowance for credit losses	$ (223,153)	$ (202,689)	$ (147,946)	$ (126,457)
PCD loans, net	24,074,827	24,430,995
Financial Asset Acquired with Credit Deterioration [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
UPB	66,119	80,123
Non-credit discount	(27,664)	(35,249)
Total	38,455	44,874
Allowance for credit losses	(182)	(161)
PCD loans, net	$ 38,273	$ 44,713

Loans and Allowance for Credi_7

Loans and Allowance for Credit Losses Loans and Allowance for Credit Losses (Gross Charge-Offs by Year of Origination) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Line Items]
2024	$ 405
2023	327
2022	33,807
2021	4,526
2020	52
Prior to 2020	8,363
Revolving Loans	12,470
Total	59,950	$ 35,014	$ 62,055
CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
2024	0
2023	0
2022	4,369
2021	0
2020	0
Prior to 2020	1,833
Revolving Loans	0
Total	6,202
C&I
Financing Receivable, Allowance for Credit Loss [Line Items]
2024	405
2023	327
2022	29,438
2021	3,761
2020	52
Prior to 2020	1,460
Revolving Loans	12,470
Total	47,913
Franchise and equipment finance
Financing Receivable, Allowance for Credit Loss [Line Items]
2024	0
2023	0
2022	0
2021	765
2020	0
Prior to 2020	4,944
Revolving Loans	0
Total	5,709
1-4 single family residential
Financing Receivable, Allowance for Credit Loss [Line Items]
2024	0
2023	0
2022	0
2021	0
2020	0
Prior to 2020	126
Revolving Loans	0
Total	$ 126

Loans and Allowance for Credi_8

Loans and Allowance for Credit Losses Loans and Allowance for Credit Losses (Balance of ALLL and Related Loans) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2024	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Line Items]
Provision for credit losses	$ 11,001	$ 9,248	$ 19,538	$ 15,285	$ 19,253	$ 33,049	$ 15,517	$ 19,788	$ 55,072	$ 87,607	$ 75,154
Amount related to off-balance sheet credit exposures									(3,914)	8,683	1,467
Other									0	0	127
Funded Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Provision for credit losses									$ 58,986	$ 78,924	$ 73,814

Loans and Allowance for Credi_9

Loans and Allowance for Credit Losses (Schedule of Commercial Credit Exposure Based on Internal Risk Ratings) (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
CRE
Financing Receivable Recorded Investment [Line Items]
Originated current fiscal year	$ 921,888	$ 687,796
Originated, fiscal year before current fiscal year	805,195	1,324,687
Originated, two years before current fiscal year	1,250,848	664,443
Originated, three years before current fiscal year	730,457	522,855
Originated, four years before current Fiscal year	516,110	1,122,400
Originated, more than five years before current fiscal year	1,875,046	1,211,562
Revolving Loans	114,648	285,490
Total	6,214,192	5,819,233
CRE | Pass
Financing Receivable Recorded Investment [Line Items]
Originated current fiscal year	921,888	668,669
Originated, fiscal year before current fiscal year	783,342	1,268,313
Originated, two years before current fiscal year	1,119,032	662,340
Originated, three years before current fiscal year	609,452	493,675
Originated, four years before current Fiscal year	399,806	878,048
Originated, more than five years before current fiscal year	1,478,261	1,064,601
Revolving Loans	114,648	281,584
Total	5,426,429	5,317,230
CRE | Special mention
Financing Receivable Recorded Investment [Line Items]
Originated current fiscal year	0	19,127
Originated, fiscal year before current fiscal year	0	13,377
Originated, two years before current fiscal year	0	0
Originated, three years before current fiscal year	0	0
Originated, four years before current Fiscal year	39,714	57,984
Originated, more than five years before current fiscal year	19,057	4,912
Revolving Loans	0	2,152
Total	58,771	97,552
CRE | Substandard
Financing Receivable Recorded Investment [Line Items]
Originated current fiscal year	0	0
Originated, fiscal year before current fiscal year	21,853	42,997
Originated, two years before current fiscal year	131,816	2,103
Originated, three years before current fiscal year	121,005	29,180
Originated, four years before current Fiscal year	76,590	186,368
Originated, more than five years before current fiscal year	377,728	142,049
Revolving Loans	0	1,754
Total	728,992	404,451
C&I
Financing Receivable Recorded Investment [Line Items]
Originated current fiscal year	1,559,838	1,386,780
Originated, fiscal year before current fiscal year	1,240,613	1,590,198
Originated, two years before current fiscal year	1,109,705	741,692
Originated, three years before current fiscal year	545,730	367,334
Originated, four years before current Fiscal year	280,037	505,769
Originated, more than five years before current fiscal year	1,186,440	1,154,343
Revolving Loans	3,060,863	3,161,608
Total	8,983,226	8,907,724
C&I | Pass
Financing Receivable Recorded Investment [Line Items]
Originated current fiscal year	1,514,746	1,382,939
Originated, fiscal year before current fiscal year	1,182,701	1,423,581
Originated, two years before current fiscal year	962,478	653,730
Originated, three years before current fiscal year	470,041	337,322
Originated, four years before current Fiscal year	269,508	431,257
Originated, more than five years before current fiscal year	1,085,412	1,040,101
Revolving Loans	2,931,044	3,069,295
Total	8,415,930	8,338,225
C&I | Special mention
Financing Receivable Recorded Investment [Line Items]
Originated current fiscal year	45,092	0
Originated, fiscal year before current fiscal year	8,231	85,306
Originated, two years before current fiscal year	73,226	1,215
Originated, three years before current fiscal year	35,581	13,949
Originated, four years before current Fiscal year	0	49,526
Originated, more than five years before current fiscal year	0	22,398
Revolving Loans	41,486	47,680
Total	203,616	220,074
C&I | Substandard
Financing Receivable Recorded Investment [Line Items]
Originated current fiscal year	0	3,841
Originated, fiscal year before current fiscal year	49,681	70,731
Originated, two years before current fiscal year	74,001	86,747
Originated, three years before current fiscal year	40,108	16,063
Originated, four years before current Fiscal year	10,529	20,757
Originated, more than five years before current fiscal year	101,028	91,844
Revolving Loans	81,798	44,633
Total	357,145	334,616
C&I | Doubtful
Financing Receivable Recorded Investment [Line Items]
Originated current fiscal year	0	0
Originated, fiscal year before current fiscal year	0	10,580
Originated, two years before current fiscal year	0	0
Originated, three years before current fiscal year	0	0
Originated, four years before current Fiscal year	0	4,229
Originated, more than five years before current fiscal year	0	0
Revolving Loans	6,535	0
Total	6,535	14,809
Pinnacle - municipal finance
Financing Receivable Recorded Investment [Line Items]
Originated current fiscal year	60,317	170,919
Originated, fiscal year before current fiscal year	108,440	133,988
Originated, two years before current fiscal year	93,800	74,895
Originated, three years before current fiscal year	51,034	31,771
Originated, four years before current Fiscal year	24,010	55,338
Originated, more than five years before current fiscal year	383,060	417,779
Revolving Loans	0	0
Total	720,661	884,690
Pinnacle - municipal finance | Pass
Financing Receivable Recorded Investment [Line Items]
Originated current fiscal year	60,317	170,919
Originated, fiscal year before current fiscal year	108,440	133,988
Originated, two years before current fiscal year	93,800	74,895
Originated, three years before current fiscal year	51,034	31,771
Originated, four years before current Fiscal year	24,010	55,338
Originated, more than five years before current fiscal year	383,060	417,779
Revolving Loans	0	0
Total	720,661	884,690
Franchise and equipment finance
Financing Receivable Recorded Investment [Line Items]
Originated current fiscal year	0	6,569
Originated, fiscal year before current fiscal year	2,014	47,615
Originated, two years before current fiscal year	26,408	77,189
Originated, three years before current fiscal year	56,357	47,980
Originated, four years before current Fiscal year	16,710	103,944
Originated, more than five years before current fiscal year	111,814	96,849
Revolving Loans	174	201
Total	213,477	380,347
Franchise and equipment finance | Pass
Financing Receivable Recorded Investment [Line Items]
Originated current fiscal year	0	6,569
Originated, fiscal year before current fiscal year	2,014	32,656
Originated, two years before current fiscal year	26,408	74,170
Originated, three years before current fiscal year	54,871	44,698
Originated, four years before current Fiscal year	16,435	76,144
Originated, more than five years before current fiscal year	84,879	80,302
Revolving Loans	174	201
Total	184,781	314,740
Franchise and equipment finance | Special mention
Financing Receivable Recorded Investment [Line Items]
Originated current fiscal year		0
Originated, fiscal year before current fiscal year		0
Originated, two years before current fiscal year		0
Originated, three years before current fiscal year		2,279
Originated, four years before current Fiscal year		0
Originated, more than five years before current fiscal year		0
Revolving Loans		0
Total		2,279
Franchise and equipment finance | Substandard
Financing Receivable Recorded Investment [Line Items]
Originated current fiscal year	0	0
Originated, fiscal year before current fiscal year	0	14,959
Originated, two years before current fiscal year	0	3,019
Originated, three years before current fiscal year	1,486	1,003
Originated, four years before current Fiscal year	275	23,574
Originated, more than five years before current fiscal year	26,614	16,547
Revolving Loans	0	0
Total	28,375	59,102
Franchise and equipment finance | Doubtful
Financing Receivable Recorded Investment [Line Items]
Originated current fiscal year	0	0
Originated, fiscal year before current fiscal year	0	0
Originated, two years before current fiscal year	0	0
Originated, three years before current fiscal year	0	0
Originated, four years before current Fiscal year	0	4,226
Originated, more than five years before current fiscal year	321	0
Revolving Loans	0	0
Total	321	4,226
Mortgage warehouse lending
Financing Receivable Recorded Investment [Line Items]
Originated current fiscal year	0	0
Originated, fiscal year before current fiscal year	0	0
Originated, two years before current fiscal year	0	0
Originated, three years before current fiscal year	0	0
Originated, four years before current Fiscal year	0	0
Originated, more than five years before current fiscal year	0	0
Revolving Loans	585,610	432,663
Total	585,610	432,663
Mortgage warehouse lending | Pass
Financing Receivable Recorded Investment [Line Items]
Originated current fiscal year	0	0
Originated, fiscal year before current fiscal year	0	0
Originated, two years before current fiscal year	0	0
Originated, three years before current fiscal year	0	0
Originated, four years before current Fiscal year	0	0
Originated, more than five years before current fiscal year	0	0
Revolving Loans	585,610	432,663
Total	$ 585,610	$ 432,663

Loans and Allowance for Cred_10

Loans and Allowance for Credit Losses (Schedule of Credit Exposure for Loans Based on Original LTV and FICO Score) (Details) - 1-4 single family residential - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year	$ 251,923	$ 365,323
Originated, fiscal year before current fiscal year	307,640	1,126,812
Originated, two years before current fiscal year	1,021,656	2,974,506
Originated, three years before current fiscal year	2,767,773	860,121
Originated, four years before current Fiscal year	798,820	297,728
Originated, more than five years before current fiscal year	1,361,110	1,278,523
Total	6,508,922	6,903,013
760 or greater
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year	179,256	253,774
Originated, fiscal year before current fiscal year	215,486	810,150
Originated, two years before current fiscal year	725,399	2,378,572
Originated, three years before current fiscal year	2,202,004	696,363
Originated, four years before current Fiscal year	642,572	203,966
Originated, more than five years before current fiscal year	952,136	893,290
Total	4,916,853	5,236,115
720 - 759
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year	58,642	78,882
Originated, fiscal year before current fiscal year	59,356	194,135
Originated, two years before current fiscal year	173,309	392,179
Originated, three years before current fiscal year	365,198	99,412
Originated, four years before current Fiscal year	95,495	50,984
Originated, more than five years before current fiscal year	192,943	210,663
Total	944,943	1,026,255
719 or less or not available
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year	14,025	32,667
Originated, fiscal year before current fiscal year	32,798	122,527
Originated, two years before current fiscal year	122,948	203,755
Originated, three years before current fiscal year	200,571	64,346
Originated, four years before current Fiscal year	60,753	42,778
Originated, more than five years before current fiscal year	216,031	174,570
Total	647,126	640,643
Less than 61%
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year	27,646	63,117
Originated, fiscal year before current fiscal year	51,565	260,403
Originated, two years before current fiscal year	236,020	1,211,101
Originated, three years before current fiscal year	1,124,532	326,771
Originated, four years before current Fiscal year	304,755	72,219
Originated, more than five years before current fiscal year	425,814	428,451
Total	2,170,332	2,362,062
61% - 70%
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year	33,033	67,146
Originated, fiscal year before current fiscal year	42,636	280,602
Originated, two years before current fiscal year	263,959	813,682
Originated, three years before current fiscal year	759,931	221,091
Originated, four years before current Fiscal year	203,423	71,652
Originated, more than five years before current fiscal year	307,052	293,784
Total	1,610,034	1,747,957
71% - 80%
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year	156,942	235,060
Originated, fiscal year before current fiscal year	175,651	583,724
Originated, two years before current fiscal year	518,164	915,166
Originated, three years before current fiscal year	851,427	312,188
Originated, four years before current Fiscal year	290,573	148,483
Originated, more than five years before current fiscal year	590,130	519,699
Total	2,582,887	2,714,320
More than 80%
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year	34,302	0
Originated, fiscal year before current fiscal year	37,788	2,083
Originated, two years before current fiscal year	3,513	34,557
Originated, three years before current fiscal year	31,883	71
Originated, four years before current Fiscal year	69	5,374
Originated, more than five years before current fiscal year	38,114	36,589
Total	145,669	78,674
30 - 59 Days Past Due
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year	0	2,200
Originated, fiscal year before current fiscal year	3,045	1,785
Originated, two years before current fiscal year	4,948	7,201
Originated, three years before current fiscal year	15,368	5,745
Originated, four years before current Fiscal year	474	0
Originated, more than five years before current fiscal year	9,140	14,527
Total	32,975	31,458
60 - 89 Days Past Due
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year	156	0
Originated, fiscal year before current fiscal year	0	2,116
Originated, two years before current fiscal year	1,445	1,465
Originated, three years before current fiscal year	4,007	0
Originated, four years before current Fiscal year	0	143
Originated, more than five years before current fiscal year	547	2,728
Total	6,155	6,452
90 Days or More Past Due
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year	0	0
Originated, fiscal year before current fiscal year	0	5,872
Originated, two years before current fiscal year	2,486	0
Originated, three years before current fiscal year	3,457	0
Originated, four years before current Fiscal year	0	1,439
Originated, more than five years before current fiscal year	11,021	5,580
Total	16,964	12,891
Current
Financing Receivable, Credit Quality Indicator [Line Items]
Originated current fiscal year	251,767	363,123
Originated, fiscal year before current fiscal year	304,595	1,117,039
Originated, two years before current fiscal year	1,012,777	2,965,840
Originated, three years before current fiscal year	2,744,941	854,376
Originated, four years before current Fiscal year	798,346	296,146
Originated, more than five years before current fiscal year	1,340,402	1,255,688
Total	$ 6,452,828	$ 6,852,212

Loans and Allowance for Cred_11

Loans and Allowance for Credit Losses (Schedule of Loans by Risk Rating Category) (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Credit Quality Indicator [Line Items]
Loans	$ 24,297,980	$ 24,633,684
Criticized Commercial Portfolio Segment
Financing Receivable, Credit Quality Indicator [Line Items]
Loans	1,383,755	1,137,109
Criticized Commercial Portfolio Segment | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Loans	262,387	319,905
Criticized Commercial Portfolio Segment | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Loans	894,754	711,266
Criticized Commercial Portfolio Segment | Substandard Non-Accruing
Financing Receivable, Credit Quality Indicator [Line Items]
Loans	219,758	86,903
Criticized Commercial Portfolio Segment | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Loans	$ 6,856	$ 19,035

Loans and Allowance for Cred_12

Loans and Allowance for Credit Losses (Schedule of Financing Receivables Past Due) (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable Investment Past Due [Line Items]
Loans	$ 24,297,980	$ 24,633,684
CRE
Financing Receivable Investment Past Due [Line Items]
Loans	6,214,192	5,819,233
C&I
Financing Receivable Investment Past Due [Line Items]
Loans	8,983,226	8,907,724
Pinnacle - municipal finance
Financing Receivable Investment Past Due [Line Items]
Loans	720,661	884,690
Franchise and equipment finance
Financing Receivable Investment Past Due [Line Items]
Loans	213,477	380,347
Mortgage warehouse lending
Financing Receivable Investment Past Due [Line Items]
Loans	585,610	432,663
1-4 single family residential
Financing Receivable Investment Past Due [Line Items]
Loans	6,508,922	6,903,013
Government insured residential
Financing Receivable Investment Past Due [Line Items]
Loans	1,071,892	1,306,014
Current
Financing Receivable Investment Past Due [Line Items]
Loans	23,720,130	24,016,088
Current | CRE
Financing Receivable Investment Past Due [Line Items]
Loans	6,145,386	5,779,309
Current | C&I
Financing Receivable Investment Past Due [Line Items]
Loans	8,911,057	8,851,585
Current | Pinnacle - municipal finance
Financing Receivable Investment Past Due [Line Items]
Loans	720,661	884,690
Current | Franchise and equipment finance
Financing Receivable Investment Past Due [Line Items]
Loans	213,477	380,347
Current | Mortgage warehouse lending
Financing Receivable Investment Past Due [Line Items]
Loans	585,610	432,663
Current | 1-4 single family residential
Financing Receivable Investment Past Due [Line Items]
Loans	6,452,828	6,852,212
Current | Government insured residential
Financing Receivable Investment Past Due [Line Items]
Loans	691,111	835,282
30 - 59 Days Past Due
Financing Receivable Investment Past Due [Line Items]
Loans	192,399	207,256
30 - 59 Days Past Due | CRE
Financing Receivable Investment Past Due [Line Items]
Loans	35,000	27,918
30 - 59 Days Past Due | C&I
Financing Receivable Investment Past Due [Line Items]
Loans	16,137	16,228
30 - 59 Days Past Due | Pinnacle - municipal finance
Financing Receivable Investment Past Due [Line Items]
Loans	0	0
30 - 59 Days Past Due | Franchise and equipment finance
Financing Receivable Investment Past Due [Line Items]
Loans	0	0
30 - 59 Days Past Due | Mortgage warehouse lending
Financing Receivable Investment Past Due [Line Items]
Loans	0	0
30 - 59 Days Past Due | 1-4 single family residential
Financing Receivable Investment Past Due [Line Items]
Loans	32,975	31,458
30 - 59 Days Past Due | Government insured residential
Financing Receivable Investment Past Due [Line Items]
Loans	108,287	131,652
60 - 89 Days Past Due
Financing Receivable Investment Past Due [Line Items]
Loans	78,481	75,877
60 - 89 Days Past Due | CRE
Financing Receivable Investment Past Due [Line Items]
Loans	0	1,947
60 - 89 Days Past Due | C&I
Financing Receivable Investment Past Due [Line Items]
Loans	25,645	5,536
60 - 89 Days Past Due | Pinnacle - municipal finance
Financing Receivable Investment Past Due [Line Items]
Loans	0	0
60 - 89 Days Past Due | Franchise and equipment finance
Financing Receivable Investment Past Due [Line Items]
Loans	0	0
60 - 89 Days Past Due | Mortgage warehouse lending
Financing Receivable Investment Past Due [Line Items]
Loans	0	0
60 - 89 Days Past Due | 1-4 single family residential
Financing Receivable Investment Past Due [Line Items]
Loans	6,155	6,452
60 - 89 Days Past Due | Government insured residential
Financing Receivable Investment Past Due [Line Items]
Loans	46,681	61,942
90 Days or More Past Due
Financing Receivable Investment Past Due [Line Items]
Loans	306,970	334,463
90 Days or More Past Due | CRE
Financing Receivable Investment Past Due [Line Items]
Loans	33,806	10,059
90 Days or More Past Due | C&I
Financing Receivable Investment Past Due [Line Items]
Loans	30,387	34,375
90 Days or More Past Due | Pinnacle - municipal finance
Financing Receivable Investment Past Due [Line Items]
Loans	0	0
90 Days or More Past Due | Franchise and equipment finance
Financing Receivable Investment Past Due [Line Items]
Loans	0	0
90 Days or More Past Due | Mortgage warehouse lending
Financing Receivable Investment Past Due [Line Items]
Loans	0	0
90 Days or More Past Due | 1-4 single family residential
Financing Receivable Investment Past Due [Line Items]
Loans	16,964	12,891
90 Days or More Past Due | Government insured residential
Financing Receivable Investment Past Due [Line Items]
Loans	$ 225,813	$ 277,138

Loans and Allowance for Cred_13

Loans and Allowance for Credit Losses ( Schedule of Loans on Non-accrual Status) (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, nonaccrual	$ 250,114	$ 126,451
Amortized Cost With No Related Allowance	111,278	23,821
C&I
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, nonaccrual	125,226	68,533
Amortized Cost With No Related Allowance	41,929	14,078
Franchise and equipment finance
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, nonaccrual	6,010	23,678
Amortized Cost With No Related Allowance	4,345	7,796
Residential
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, nonaccrual	23,500	20,513
Amortized Cost With No Related Allowance	0	0
CRE
Financing Receivable, Credit Quality Indicator [Line Items]
Financing receivable, nonaccrual	95,378	13,727
Amortized Cost With No Related Allowance	$ 65,004	$ 1,947

Loans and Allowance for Cred_14

Loans and Allowance for Credit Losses (Schedule of Collateral Dependent Loans) (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
C&I
Financing Receivable, Impaired [Line Items]
Amortized Cost	$ 8,983,226	$ 8,907,724
Franchise and equipment finance
Financing Receivable, Impaired [Line Items]
Amortized Cost	213,477	380,347
Secured Debt
Financing Receivable, Impaired [Line Items]
Amortized Cost	187,858	71,463
Extent to Which Secured by Collateral	174,889	56,073
Secured Debt | CRE
Financing Receivable, Impaired [Line Items]
Amortized Cost	94,283	11,574
Secured Debt | Commercial Real Estate | CRE
Financing Receivable, Impaired [Line Items]
Extent to Which Secured by Collateral	91,050	11,574
Secured Debt | C&I
Financing Receivable, Impaired [Line Items]
Amortized Cost	87,565	36,401
Secured Debt | C&I | Commercial and industrial
Financing Receivable, Impaired [Line Items]
Extent to Which Secured by Collateral	78,150	25,821
Secured Debt | Franchise and equipment finance
Financing Receivable, Impaired [Line Items]
Amortized Cost	6,010	23,488
Secured Debt | Franchise and equipment finance | Franchise and equipment finance
Financing Receivable, Impaired [Line Items]
Extent to Which Secured by Collateral	$ 5,689	$ 18,678

Loans and Allowance for Cred_15

Loans and Allowance for Credit Losses Loans and Allowance for Credit Losses (Schedule of Loan Modifications) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 285,486	$ 85,064
CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	84,270
C&I
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	160,629	8,532
Franchise and equipment finance
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	6,994	10,748
1-4 single family residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	170	835
Government insured residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	33,423	64,949
Interest Rate Reduction
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	408	940
Interest Rate Reduction | CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 0
Percent	0%
Interest Rate Reduction | C&I
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 0	$ 0
Percent	0%	0%
Interest Rate Reduction | Franchise and equipment finance
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 0	$ 0
Percent	0%	0%
Interest Rate Reduction | 1-4 single family residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 170	$ 835
Percent	0%	0%
Interest Rate Reduction | 1-4 single family residential | Maximum
Financing Receivable, Allowance for Credit Loss [Line Items]
Weighted average interest rate decrease from modification	6.40%	4.30%
Interest Rate Reduction | 1-4 single family residential | Minimum
Financing Receivable, Allowance for Credit Loss [Line Items]
Weighted average interest rate decrease from modification	6.30%	3.40%
Interest Rate Reduction | Government insured residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 238	$ 105
Percent	0%	0%
Interest Rate Reduction | Government insured residential | Maximum
Financing Receivable, Allowance for Credit Loss [Line Items]
Weighted average interest rate decrease from modification	3.30%	4.80%
Interest Rate Reduction | Government insured residential | Minimum
Financing Receivable, Allowance for Credit Loss [Line Items]
Weighted average interest rate decrease from modification	2.80%	3.80%
Term Extension
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 196,873	$ 81,682
Term Extension | CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 44,070
Percent	1%
Weighted average term increase from modifciation	1 year 9 months 18 days
Term Extension | C&I
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 120,705	$ 8,532
Percent	1%	0%
Weighted average term increase from modifciation	1 year 4 months 24 days	1 year 4 months 24 days
Term Extension | Franchise and equipment finance
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 6,994	$ 10,748
Percent	3%	3%
Weighted average term increase from modifciation	1 year	2 years 1 month 6 days
Term Extension | 1-4 single family residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 0	$ 0
Percent	0%	0%
Term Extension | Government insured residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 25,104	$ 62,402
Percent	2%	5%
Term Extension | Government insured residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Weighted average term increase from modifciation	10 years 7 months 6 days	9 years 1 month 6 days
Other than Insignificant Payment Delays
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 12,407	$ 0
Other than Insignificant Payment Delays | CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 0
Percent	0%
Other than Insignificant Payment Delays | C&I
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 12,407	$ 0
Percent	0%	0%
Payment deferral	6 months
Other than Insignificant Payment Delays | Franchise and equipment finance
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 0	$ 0
Percent	0%	0%
Other than Insignificant Payment Delays | 1-4 single family residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 0	$ 0
Percent	0%	0%
Other than Insignificant Payment Delays | Government insured residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 0	$ 0
Percent	0%	0%
Combination - Interest Rate Reduction and Term Extension
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 75,109	$ 2,442
Combination - Interest Rate Reduction and Term Extension | CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 40,200
Percent	1%
Combination - Interest Rate Reduction and Term Extension | C&I
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 26,828	$ 0
Percent	0%	0%
Combination - Interest Rate Reduction and Term Extension | Franchise and equipment finance
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 0	$ 0
Percent	0%	0%
Combination - Interest Rate Reduction and Term Extension | 1-4 single family residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 0	$ 0
Percent	0%	0%
Combination - Interest Rate Reduction and Term Extension | Government insured residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 8,081	$ 2,442
Percent	1%	0%
Combination - Term Extension and Other than Insignificant Payment Delays
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 689	$ 0
Combination - Term Extension and Other than Insignificant Payment Delays | CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 0
Percent	0%
Combination - Term Extension and Other than Insignificant Payment Delays | C&I
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 689	$ 0
Percent	0%	0%
Combination - Term Extension and Other than Insignificant Payment Delays | Franchise and equipment finance
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 0	$ 0
Percent	0%	0%
Combination - Term Extension and Other than Insignificant Payment Delays | 1-4 single family residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 0	$ 0
Percent	0%	0%
Combination - Term Extension and Other than Insignificant Payment Delays | Government insured residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 0	$ 0
Percent	0%	0%
Term Extension and Payment Deferral | C&I
Financing Receivable, Allowance for Credit Loss [Line Items]
Weighted average term increase from modifciation	1 year 2 months 12 days
Payment deferral	3 months 18 days
Combination - Interest Rate Reduction and Term Extension | CRE
Financing Receivable, Allowance for Credit Loss [Line Items]
Weighted average term increase from modifciation	2 years
Combination - Interest Rate Reduction and Term Extension | CRE | Maximum
Financing Receivable, Allowance for Credit Loss [Line Items]
Weighted average interest rate decrease from modification	7.30%
Combination - Interest Rate Reduction and Term Extension | CRE | Minimum
Financing Receivable, Allowance for Credit Loss [Line Items]
Weighted average interest rate decrease from modification	6.50%
Combination - Interest Rate Reduction and Term Extension | C&I
Financing Receivable, Allowance for Credit Loss [Line Items]
Weighted average term increase from modifciation	2 years 6 months
Combination - Interest Rate Reduction and Term Extension | C&I | Maximum
Financing Receivable, Allowance for Credit Loss [Line Items]
Weighted average interest rate decrease from modification	9%
Combination - Interest Rate Reduction and Term Extension | C&I | Minimum
Financing Receivable, Allowance for Credit Loss [Line Items]
Weighted average interest rate decrease from modification	6.50%
Combination - Interest Rate Reduction and Term Extension | Government insured residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Weighted average term increase from modifciation	5 years 3 months 18 days	7 years 9 months 18 days
Combination - Interest Rate Reduction and Term Extension | Government insured residential | Maximum
Financing Receivable, Allowance for Credit Loss [Line Items]
Weighted average interest rate decrease from modification	7.20%	5.70%
Combination - Interest Rate Reduction and Term Extension | Government insured residential | Minimum
Financing Receivable, Allowance for Credit Loss [Line Items]
Weighted average interest rate decrease from modification	6.50%	4.70%

Loans and Allowance for Cred_16

Loans and Allowance for Credit Losses (Schedule of Loans Modified Within the Previous 12 Months And Defaulted) (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 285,486	$ 85,064
Current
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	244,682	43,447
30 - 59 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	5,296	12,335
60 - 89 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	5,140	7,677
90 Days or More Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	30,368	21,605
CRE
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	84,270
CRE | Current
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	67,820
CRE | 30 - 59 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	0
CRE | 60 - 89 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	0
CRE | 90 Days or More Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	16,450
C&I
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	160,629	8,532
C&I | Current
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	158,039	8,532
C&I | 30 - 59 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	214	0
C&I | 60 - 89 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	297	0
C&I | 90 Days or More Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	2,079	0
Franchise and equipment finance
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	6,994	10,748
Franchise and equipment finance | Current
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	6,994	10,748
Franchise and equipment finance | 30 - 59 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	0	0
Franchise and equipment finance | 60 - 89 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	0	0
Franchise and equipment finance | 90 Days or More Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	0	0
1-4 single family residential
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	170	835
1-4 single family residential | Current
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	170	76
1-4 single family residential | 30 - 59 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	0	0
1-4 single family residential | 60 - 89 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	0	0
1-4 single family residential | 90 Days or More Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	0	759
Government insured residential
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	33,423	64,949
Government insured residential | Current
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	11,659	24,091
Government insured residential | 30 - 59 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	5,082	12,335
Government insured residential | 60 - 89 Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	4,843	7,677
Government insured residential | 90 Days or More Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost	$ 11,839	$ 20,846

Loans and Allowance for Cred_17

Loans and Allowance for Credit Losses (Schedule Of Loans Modified Withing 12 Months and Defaulted) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 37,107	$ 34,818
Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0	864
Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	31,675	32,994
Combination - Interest Rate Reduction and Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	4,743	960
Term Extension and Payment Deferral
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	689
Interest Rate Reduction And Other Than Insignificant Payment Delays
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total		0
CRE
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	16,450
CRE | Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
CRE | Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	16,450
CRE | Combination - Interest Rate Reduction and Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
CRE | Term Extension and Payment Deferral
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
C&I
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	2,079
C&I | Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
C&I | Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	1,390
C&I | Combination - Interest Rate Reduction and Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
C&I | Term Extension and Payment Deferral
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	689
Government insured residential
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	18,578	34,059
Government insured residential | Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0	105
Government insured residential | Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	13,835	32,994
Government insured residential | Combination - Interest Rate Reduction and Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	4,743	960
Government insured residential | Term Extension and Payment Deferral
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 0
Government insured residential | Interest Rate Reduction And Other Than Insignificant Payment Delays
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total		0
1-4 single family residential
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total		759
1-4 single family residential | Interest Rate Reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total		759
1-4 single family residential | Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total		0
1-4 single family residential | Combination - Interest Rate Reduction and Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total		0
1-4 single family residential | Interest Rate Reduction And Other Than Insignificant Payment Delays
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total		$ 0

Loans and Allowance for Cred_18

Loans and Allowance for Credit Losses Loans and Allowance for Credit Losses (Schedule of Loan Concentrations by States) (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 24,297,980	$ 24,633,684
Percent of Total Loans	100%	100%
CRE
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 6,214,192	$ 5,819,233
Percent of Total Loans	100%	100%
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 10,502,974	$ 10,605,424
Percent of Total Loans	100%	100%
1-4 single family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 6,508,922	$ 6,903,013
Percent of Total Loans	100%	100%
Florida | CRE
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 3,360,524	$ 3,381,394
Percent of Total Loans	54%	58.10%
Florida | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 3,095,579	$ 3,321,102
Percent of Total Loans	29.50%	31.30%
Florida | 1-4 single family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 473,556	$ 501,744
Percent of Total Loans	7.30%	7.30%
New York Tri-state | CRE
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 1,564,104	$ 1,430,728
Percent of Total Loans	25.20%	24.60%
New York Tri-state | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 3,194,833	$ 2,901,958
Percent of Total Loans	30.40%	27.40%
California | 1-4 single family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 1,960,873	$ 2,171,802
Percent of Total Loans	30.10%	31.50%
New York | 1-4 single family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 1,282,197	$ 1,344,205
Percent of Total Loans	19.70%	19.50%
Illinois | 1-4 single family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 327,698	$ 358,512
Percent of Total Loans	5%	5.20%
Virginia | 1-4 single family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 308,784	$ 312,384
Percent of Total Loans	4.70%	4.50%
Others | CRE
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 1,289,564	$ 1,007,111
Percent of Total Loans	20.80%	17.30%
Others | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 4,212,562	$ 4,382,364
Percent of Total Loans	40.10%	41.30%
Others | 1-4 single family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 2,155,814	$ 2,214,366
Percent of Total Loans	33.20%	32%

Loans and Allowance for Cred_19

Loans and Allowance for Credit Losses (Finance Receivable, Nonaccrual) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)
Financing Receivable Investment Past Due [Line Items]
Loans Modified in TDRs During the Period, Number of TDRs	2,624
Loans Modified in TDRs During the Period, Amortized Cost	$ 455,836
TDRs Experiencing Payment Defaults During the Period, Number of TDRs	1,198
TDRs Experiencing Payment Defaults During the Period, Amortized Cost	$ 197,740
C&I
Financing Receivable Investment Past Due [Line Items]
Loans Modified in TDRs During the Period, Number of TDRs	21
Loans Modified in TDRs During the Period, Amortized Cost	$ 39,052
TDRs Experiencing Payment Defaults During the Period, Number of TDRs	4
TDRs Experiencing Payment Defaults During the Period, Amortized Cost	$ 3,703
Franchise and equipment finance
Financing Receivable Investment Past Due [Line Items]
Loans Modified in TDRs During the Period, Number of TDRs	4
Loans Modified in TDRs During the Period, Amortized Cost	$ 6,329
TDRs Experiencing Payment Defaults During the Period, Number of TDRs	4
TDRs Experiencing Payment Defaults During the Period, Amortized Cost	$ 6,329
1-4 single family residential
Financing Receivable Investment Past Due [Line Items]
Loans Modified in TDRs During the Period, Number of TDRs	10
Loans Modified in TDRs During the Period, Amortized Cost	$ 5,359
TDRs Experiencing Payment Defaults During the Period, Number of TDRs	0
TDRs Experiencing Payment Defaults During the Period, Amortized Cost	$ 0
Government insured residential
Financing Receivable Investment Past Due [Line Items]
Loans Modified in TDRs During the Period, Number of TDRs	2,589
Loans Modified in TDRs During the Period, Amortized Cost	$ 405,096
TDRs Experiencing Payment Defaults During the Period, Number of TDRs	1,190
TDRs Experiencing Payment Defaults During the Period, Amortized Cost	$ 187,708

Leases Schedule of ROU Assets a

Leases Schedule of ROU Assets and Lease Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Schedule of ROU Assets and Lease Liabilities [Abstract]
Operating lease equipment, net	$ 64,416	$ 64,536
Finance Lease, Right-of-Use Asset	20,290	21,638
Total Right of Use Asset	84,706	86,174
Operating Lease, Liability	71,979	72,391
Finance Lease, Liability	24,629	26,501
Total Lease Liabilities	$ 96,608	$ 98,892
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Other assets	Other assets
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other liabilities	Other liabilities
Finance Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Other assets	Other assets
Finance Lease, Liability, Statement of Financial Position [Extensible List]	Notes and other borrowings	Notes and other borrowings

Leases Schedule of Operating an

Leases Schedule of Operating and Finance Lease Information (Details)	Dec. 31, 2024	Dec. 31, 2023
Operating and Finance Lease Information [Abstract]
Operating Lease, Weighted Average Remaining Lease Term	6 years 2 months 12 days	5 years 10 months 24 days
Finance Lease, Weighted Average Remaining Lease Term	8 years 9 months 18 days	10 years
Operating Lease, Weighted Average Discount Rate, Percent	3.80%	3.20%
Finance Lease, Weighted Average Discount Rate, Percent	2.90%	2.90%

Leases Schedule of Lease Costs

Leases Schedule of Lease Costs (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Schedule of Lease Costs [Abstract]
Operating Lease, Cost	$ 16,624	$ 16,761	$ 18,364
Operating Lease, Impairment Loss	54	76	134
Lease, Cost	16,678	16,837	18,498
Finance Lease, Right-of-Use Asset, Amortization	2,240	2,228	2,350
Finance Lease, Interest Expense	734	778	823
Total finance lease cost	2,974	3,006	3,173
Variable Lease, Cost	$ 3,733	$ 3,440	$ 3,589

Leases Schedule of Leases - Cas

Leases Schedule of Leases - Cash Flow Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Lessee, Lease, Description [Line Items]
Finance Lease, Interest Payment on Liability	$ 734	$ 778	$ 823
Operating Lease, Payments	17,055	17,680	18,473
Finance Lease, Principal Payments	2,277	2,666	2,652
Total cash paid for amounts included in the measurement of lease liabilities	20,066	21,124	21,948
Operating lease liabilities recognized from obtaining ROU assets	13,538	6,896	9,086
Finance lease liabilities recognized from obtaining ROU assets	892	0	0
Total lease liabilities recognized from obtaining ROU assets	$ 14,430	$ 6,896	$ 9,086

Leases Schedule of Future Minim

Leases Schedule of Future Minimum Lease Payments for Operating and Finance Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Schedule of Future Minimum Lease Payments for Operating and Finance Leases [Abstract]
Operating Leases, Future Minimum Payments Due, Next Twelve Months	$ 16,852
Lessee, Operating Lease, Liability, Payments, Due Year Two	15,634
Lessee, Operating Lease, Liability, Payments, Due Year Three	12,647
Lessee, Operating Lease, Liability, Payments, Due Year Four	9,904
Lessee, Operating Lease, Liability, Payments, Due Year Five	6,907
Lessee, Operating Lease, Liability, Payments, Due after Year Five	19,137
Lessee, Operating Lease, Liability, Payments, Due	81,081
Lessee, Operating Lease, Liability, Undiscounted Excess Amount	(9,102)
Operating Lease, Liability	71,979	$ 72,391
Finance Lease, Liability, Payments, Due Next Twelve Months	2,826
Finance Lease, Liability, Payments, Due Year Two	2,901
Finance Lease, Liability, Payments, Due Year Three	2,926
Finance Lease, Liability, Payments, Due Year Four	3,016
Finance Lease, Liability, Payments, Due Year Five	3,128
Finance Lease, Liability, Payments, Due after Year Five	13,305
Finance Lease, Liability, Payment, Due	28,102
Finance Lease, Liability, Undiscounted Excess Amount	(3,473)
Finance Lease, Liability	24,629	26,501
Total Lease Liability, Payments, Due Next Twelve Months	19,678
Total Lease Liability, Payments, Due Year Two	18,535
Total Lease Liability, Payments, Due Year Three	15,573
Total Lease Liability, Payments, Due Year Four	12,920
Total Lease Liability, Payments, Due Year Five	10,035
Total Lease Liability, Payments, Due After Year Five	32,442
Total Lease Liability, Payments Due	109,183
Total Lease Liability, Undiscounted Excess Amount	(12,575)
Total Lease Liabilities	$ 96,608	$ 98,892

Leases Schedule of Direct or Sa

Leases Schedule of Direct or Sales Type Finance Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Schedule of Direct or Sales Type Finance Leases [Abstract]
Sales-type and Direct Financing Leases, Lease Receivable, Payments to be Received	$ 489,336	$ 644,614
Direct Financing Lease, Unguaranteed Residual Asset	3,112	3,938
Sales-type or direct financing lease, gross investment	492,448	648,552
Direct Financing Lease, Deferred Selling Profit	(34,270)	(48,403)
Sales-type and Direct Financing Leases, Lease Receivable, Undiscounted Excess Amount	1,001	1,556
Sales-type and Direct Financing Leases, Lease Receivable	$ 459,179	$ 601,705

Leases Schedule of future min_2

Leases Schedule of future minimum lease payments under direct or sales type financing leases (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Leases [Abstract]
Sales-type and Direct Financing Leases, Lease Receivable, Payments to be Received, Next Twelve Months	$ 163,565
Sales-type and Direct Financing Leases, Lease Receivable, Payments to be Received, Two Years	118,826
Sales-type and Direct Financing Leases, Lease Receivable, Payments to be Received, Three Years	60,292
Sales-type and Direct Financing Leases, Lease Receivable, Payments to be Received, Four Years	30,821
Sales-type and Direct Financing Leases, Lease Receivable, Payments to be Received, Five Years	25,279
Sales-type and Direct Financing Leases, Lease Receivable, Payments to be Received, Thereafter	90,553
Sales-type and Direct Financing Leases, Lease Receivable	$ 489,336	$ 644,614

Leases Schedule of Operating Le

Leases Schedule of Operating Lease Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Schedule of Operating Lease Equipment [Abstract]
Property Subject to or Available for Operating Lease, Gross	$ 339,165	$ 582,147
Property Subject to or Available for Operating Lease, Accumulated Depreciation	115,321	210,238
Operating lease equipment, net	$ 223,844	$ 371,909

Leases Schedule of Future Min_3

Leases Schedule of Future Minimum Rental Payment on Operating Leases (Details) $ in Thousands	Dec. 31, 2024 USD ($)
Schedule of Future Minimum Rental Payment on Operating Leases [Abstract]
Lessor, Operating Lease, Payment to be Received, Year One	$ 13,278
Operating Leases, Future Minimum Payments Receivable, in Two Years	12,021
Operating Leases, Future Minimum Payments Receivable, in Three Years	11,461
Operating Leases, Future Minimum Payments Receivable, in Four Years	9,986
Operating Leases, Future Minimum Payments Receivable, in Five Years	5,627
Operating Leases, Future Minimum Payments Receivable, Thereafter	14,735
Operating Leases, Future Minimum Payments Receivable	$ 67,108

Leases Operating and Direct Fin

Leases Operating and Direct Finance Lease Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Operating and Direct Finance Lease Income [Abstract]
Operating Lease, Lease Income	$ 24,681	$ 47,868	$ 54,111
Direct Financing Lease, Lease Income	15,148	15,643	17,881
Lease Income	$ 39,829	$ 63,511	$ 71,992
Operating Lease, Lease Income, Statement of Income or Comprehensive Income [Extensible Enumeration]	Lease financing	Lease financing	Lease financing
Direct Financing Lease, Lease Income, Statement of Income or Comprehensive Income [Extensible Enumeration]	Loans	Loans	Loans

Deposits (Summary of Average Ba

Deposits (Summary of Average Balances and Weighted Average Rates Paid on Deposits) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Demand deposits:
Non-interest bearing, average balance	$ 7,239,161	$ 7,091,029	$ 8,861,111
Non-interest bearing, average rate (in Percent)	0%	0%	0%
Interest bearing, average balance	$ 4,077,852	$ 2,905,968	$ 2,538,906
Interest-bearing, average rate (in Percent)	3.75%	2.99%	0.55%
Savings and Money Market, average balance	$ 11,043,510	$ 10,704,470	$ 12,874,240
Time, average balance	$ 4,757,675	$ 5,169,458	$ 3,338,671
Weighted Average Rate Domestic Deposit, Time Deposits	4.44%	3.70%	1.06%
Deposits, average balance	$ 27,118,198	$ 25,870,925	$ 27,612,928
Weighted Average Rate Domestic Deposit Savings and Money Market	4.09%	3.57%	1.02%
Weighted Average Rate Domestic Deposits	3.01%	2.55%	0.65%

Deposits (Schedule of Maturitie

Deposits (Schedule of Maturities of Time Deposits) (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Maturities of Time Deposits [Abstract]
Time Deposit Maturities, Next Twelve Months	$ 3,976,859
Time Deposit Maturities, Year Two	323,101
Time Deposit Maturities, Year Three	796
Time Deposit Maturities, Year Four	274
Time Deposit Maturities, after Year Five	259
Time Deposits	$ 4,301,289	$ 5,163,995

Deposits (Schedule of Interest

Deposits (Schedule of Interest Expense on Deposits) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Deposits [Abstract]
Interest Expense, Demand Deposit Accounts	$ 152,809	$ 86,759	$ 13,919
Interest Expense, Money Market and Savings Deposits	451,352	382,432	130,705
Interest Expense, Time Deposits	211,411	191,114	35,348
Interest Expense, Domestic Deposits	$ 815,572	$ 660,305	$ 179,972

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Deposits [Abstract]
Time deposit accounts with balances of $250,000 or more	$ 779,000	$ 941,000
Public funds deposits included in deposits	3,100,000
Interest-bearing Domestic Deposit, Brokered	5,200,000	5,300,000
Carrying value of investment securities available for sale pledged as security for public funds deposits	709,000
FHLB letter of credit pledged as security for time deposits issued to public funds deposits	900,000
Noninterest Expense Commission Expense	$ 56,500	$ 44,200	$ 15,400

Federal Home Loan Bank Advanc_3

Federal Home Loan Bank Advances and Other Borrowings (Schedule of Outstanding FHLB Advances) (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Federal Home Loan Bank, Advance, Branch of FHLBank [Line Items]
Maturing in Next Twelve Months - One month or less	$ 2,500,000
Maturing in Next Twelve Months - Over one month	430,000
Advances from Federal Home Loan Banks, Total	$ 2,930,000	$ 5,115,000
Maturing in Next Twelve Months - One month or less, Weighted Average Rate (in Percent)	4.53%
Maturing in Next Twelve Months - Over one month, Weighted Average Rate (in Percent)	4.60%
Minimum
Federal Home Loan Bank, Advance, Branch of FHLBank [Line Items]
Maturing in Next Twelve Months - One month or less, range of interest rates (in Percent)	4.43%
Maturing in Next Twelve Months - Over one month, range of interest rates (in Percent)	4.45%
Maximum
Federal Home Loan Bank, Advance, Branch of FHLBank [Line Items]
Maturing in Next Twelve Months - One month or less, range of interest rates (in Percent)	4.84%
Maturing in Next Twelve Months - Over one month, range of interest rates (in Percent)	4.70%

Federal Home Loan Bank Advanc_4

Federal Home Loan Bank Advances, Notes and Other Borrowings Long-Term Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Schedule of Capitalization, Long-term Debt [Line Items]
Long-term Debt	$ 683,924	$ 682,472
Finance Lease, Liability	24,629	26,501
Long-term Debt and Lease Obligation	708,553	708,973
Subordinated Debt
Schedule of Capitalization, Long-term Debt [Line Items]
Long-term Debt, Gross	300,000	300,000
Debt Instrument, Unamortized Discount	(3,753)	(4,331)
Long-term Debt	$ 296,247	295,669
Subordinated Debt | Subordinated Debt 5.125% Maturing on June 11, 2030
Schedule of Capitalization, Long-term Debt [Line Items]
Debt Instrument, Interest Rate, Stated Percentage	5.125%
Senior Notes
Schedule of Capitalization, Long-term Debt [Line Items]
Long-term Debt, Gross	$ 388,479	388,479
Debt Instrument, Unamortized Discount	(802)	(1,676)
Long-term Debt	$ 387,677	$ 386,803
Senior Notes | Senior Notes 4.875% Maturing on November 17, 2025
Schedule of Capitalization, Long-term Debt [Line Items]
Debt Instrument, Interest Rate, Stated Percentage	4.875%

Federal Home Loan Bank Advanc_5

Federal Home Loan Bank Advances and Other Borrowings (Narrative) (Details) $ in Thousands	Dec. 31, 2024 USD ($)
Debt Instrument [Line Items]
Federal Home Loan Bank, Advances, General Debt Obligations, Amount of Available, Unused Funds	$ 6,900,000
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	$ 14,900,000
Senior Notes | Senior Notes 4.875% Maturing on November 17, 2025
Debt Instrument [Line Items]
Debt Instrument, Interest Rate, Effective Percentage	5.12%
Subordinated Debt | Subordinated Debt 5.125% Maturing on June 11, 2030
Debt Instrument [Line Items]
Debt Instrument, Interest Rate, Effective Percentage	5.39%
Federal Reserve Bank Advances
Debt Instrument [Line Items]
Debt Instrument, Unused Borrowing Capacity, Amount	$ 7,000,000

Premises and Equipment and Le_3

Premises and Equipment and Lease Commitments (Summary of Premises and Equipment) (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 257,371	$ 247,751
Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment	(196,015)	(182,934)
Property, Plant and Equipment, Net	61,356	64,817
Buildings and improvements
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	1,673	1,019
Leasehold improvements
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	78,938	78,811
Furniture, fixtures and equipment
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	32,133	34,118
Computer equipment
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	16,661	16,547
Software and CCA
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	116,125	105,593
Aircraft and automobiles
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 11,841	$ 11,663

Premises and Equipment and Le_4

Premises and Equipment and Lease Commitments (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Property, Plant and Equipment, Type [Abstract]
Depreciation, Nonproduction	$ 18.8	$ 18.7	$ 17.5

Income Taxes Schedule of Compon

Income Taxes Schedule of Components of Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2024	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Current Federal Tax Expense (Benefit)									$ 97,577	$ 82,789	$ 76,431
Current State and Local Tax Expense (Benefit)									30,232	22,456	12,293
Current Income Tax Expense (Benefit)									127,809	105,245	88,724
Deferred Federal Income Tax Expense (Benefit)									(35,265)	(38,303)	(7,191)
Deferred State and Local Income Tax Expense (Benefit)									(8,662)	(8,529)	8,628
Deferred income taxes									(43,927)	(46,832)	1,437
Provision for income taxes	$ 23,689	$ 21,734	$ 19,230	$ 19,229	$ 3,374	$ 15,446	$ 20,634	$ 18,959	$ 83,882	$ 58,413	$ 90,161

Income Taxes (Schedule of Effec

Income Taxes (Schedule of Effective Income Tax Rate Reconciliation) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2024	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Effective Income Tax Rate Reconciliation at Federal Statutory Income Tax Rate, Amount									$ 66,433	$ 49,788	$ 78,778
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent									21%	21%	21%
Effective Income Tax Rate Reconciliation, Tax Exempt Income, Amount									$ (12,422)	$ (13,404)	$ (10,577)
Effective Income Tax Rate Reconciliation, Tax Exempt Income, Percent									(3.93%)	(5.65%)	(2.82%)
Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Amount									$ 15,553	$ 12,162	$ 17,859
Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Percent									4.92%	5.13%	4.76%
Effective Income Tax Rate Reconciliation, Uncertain Tax Position, lapse of statute of limitations, Percent									(3.30%)	(3.55%)	(1.40%)
Effective Income Tax Rate Reconciliation, Uncertain Tax Position, lapse of statute of limitations, Amount									$ (10,437)	$ (8,413)	$ (5,255)
Effective Income Tax Rate Reconciliation, Uncertain Tax Position, Interest, Percent									(1.26%)	(1.79%)	(0.68%)
Effective Income Tax Rate Reconciliation, Uncertain Tax Position, Interest, Amount									$ (3,970)	$ (4,246)	$ (2,554)
Effective Income Tax Rate Reconciliation, Other Adjustments, Amount									$ (89)	$ (2,792)	$ (3,708)
Effective Income Tax Rate Reconciliation, Other Adjustments, Percent									(0.03%)	(1.18%)	(0.99%)
Provision for income taxes	$ 23,689	$ 21,734	$ 19,230	$ 19,229	$ 3,374	$ 15,446	$ 20,634	$ 18,959	$ 83,882	$ 58,413	$ 90,161
Effective Income Tax Rate Reconciliation, Percent									26.52%	24.64%	24.03%

Income Taxes (Schedule of Defer

Income Taxes (Schedule of Deferred Tax Assets and Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Deferred tax assets:
Allowance for credit losses	$ 59,291	$ 55,188
Net unrealized loss on investment securities AFS and cash flow hedges	99,974	125,580
Lease liability	18,301	18,592
Deferred compensation	12,225	11,431
Accrued expenses	22,267	19,301
Other	44,918	45,797
Gross deferred tax assets	256,976	275,889
Deferred tax liabilities:
Lease financing, due to differences in depreciation	56,818	96,225
ROU asset	34,752	31,886
Other	4,788	5,480
Gross deferred tax liabilities	96,358	133,591
Net deferred tax asset	$ 160,618	$ 142,298

Income Taxes (Schedule of Unrec

Income Taxes (Schedule of Unrecognized Tax Benefits, Roll Forward) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Unrecognized Tax Benefits [Roll Forward]
Beginning balance	$ 383,895	$ 369,880	$ 347,809
Additions for tax positions related to the current year	3,023	2,802	3,086
Additions for tax positions related to prior periods	1,132	708	12,433
Reductions due to settlements with taxing authorities	(485)	(347)	0
Reductions due to lapse of the statute of limitations	(1,314)	(1,617)	(795)
Unrecognized Tax Benefits, Period Increase (Decrease)	386,251	371,426	362,533
Interest and penalties	14,878	12,469	7,347
Ending balance	$ 401,129	$ 383,895	$ 369,880

Income Taxes Income Taxes (Narr

Income Taxes Income Taxes (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Tax Credit Carryforward, Amount	$ 25,200,000
Investment, Proportional Amortization Method, Elected, Amount	120,000,000	$ 111,000,000
Investment Program, Proportional Amortization Method, Elected, Commitment	73,000,000	77,000,000
Variable Interest Entity, Reporting Entity Involvement, Maximum Loss Exposure, Amount	184,000,000
Unrecognized Tax Benefits that Would Impact Effective Tax Rate	345,600,000	343,800,000	$ 342,600,000
Unrecognized Tax Benefits, Income Tax Penalties and Interest Accrued	38,300,000	26,400,000
Unrecognized Tax Benefits, Income Tax Penalties and Interest Expense, net of tax	$ 11,900,000	$ 10,000,000	$ 5,900,000
Investment, Proportional Amortization Method, Elected, Statement of Financial Position [Extensible Enumeration]	Other assets
State and Local Jurisdiction [Member]
Operating Loss Carryforwards	$ 105,100,000
Tax Credit Carryforward, Amount	79,900,000
Maximum | State and Local Jurisdiction [Member]
Decrease in Unrecognized Tax Benefits is Reasonably Possible	344,100,000
Minimum | State and Local Jurisdiction [Member]
Decrease in Unrecognized Tax Benefits is Reasonably Possible	$ 0

Derivatives and Hedging Activ_3

Derivatives and Hedging Activities (Schedule of Derivatives Designated as Hedging Instruments) (Details) - Designated as Hedging Instrument - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Derivative [Line Items]
Notional Amount	$ 4,355,000	$ 3,640,000
Asset	3,395	10,241
Liability	(4,041)	(1,048)
Cash Flow Hedging | Interest Rate Swap
Derivative [Line Items]
Notional Amount	4,030,000	3,215,000
Asset	0	0
Liability	(4,011)	(1,048)
Cash Flow Hedging | interest rate caps purchased, indexed to fed funds effective rate
Derivative [Line Items]
Notional Amount	200,000	200,000
Asset	3,395	10,157
Liability	0	0
Cash Flow Hedging | Interest rate collar
Derivative [Line Items]
Notional Amount	125,000	125,000
Asset	0	84
Liability	(30)	0
Fair Value Hedging | Pay-fixed interest rate swaps
Derivative [Line Items]
Notional Amount	0	100,000
Asset	0	0
Liability	$ 0	$ 0

Derivatives and Hedging Activ_4

Derivatives and Hedging Activities Derivative and Hedging Activities - Amount of loss reclassified from AOCI into Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net	$ 62,376	$ 65,739	$ 90
Interest expense on deposits
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Derivative Instrument, Gain (Loss) Reclassified from AOCI into Income, Effective Portion, Statement of Income or Comprehensive Income [Extensible Enumeration]	Deposits	Deposits	Deposits
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net	$ 18,235	$ 23,569	$ 4,357
Interest expense on borrowings
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Derivative Instrument, Gain (Loss) Reclassified from AOCI into Income, Effective Portion, Statement of Income or Comprehensive Income [Extensible Enumeration]	Borrowings	Borrowings	Borrowings
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net	$ 48,064	$ 44,790	$ (4,224)
Interest income on loans
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Derivative Instrument, Gain (Loss) Reclassified from AOCI into Income, Effective Portion, Statement of Income or Comprehensive Income [Extensible Enumeration]	Loans	Loans	Loans
Derivative Instruments, Gain (Loss) Reclassified from Accumulated OCI into Income, Effective Portion, Net	$ (3,923)	$ (2,620)	$ (43)

Derivatives and Hedging Activ_5

Derivatives and Hedging Activities Derivative and Hedging Activities - Carrying Value of Hedged Item and Cumulative Fair Value Adjustments (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Closed Portfolio and Beneficial Interest, Last-of-Layer, Amortized Cost		$ 992,000
Hedged Asset, Statement of Financial Position [Extensible Enumeration]	PCD loans, net
Hedged Asset, Fair Value Hedge		100,000
Hedged Asset, Fair Value Hedge, Cumulative Increase (Decrease)		$ (1,656)

Derivatives and Hedging Activ_6

Derivatives and Hedging Activities (Schedule of Derivatives not Designated as Hedging Instruments) (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Derivative [Line Items]
Risk Participation Agreement, Purchased, Derivative, Liability, FV	$ 0	$ 0
Risk Participation Agreement, Purchased, Derivative, Asset, FV	175	20
Risk Participation Agreement, Purchased, Derivative, Notional Amount	126,578	77,846
Risk Participation Agreement, Sold, Derivative, Liability, FV	(296)	(237)
Risk Participation Agreement, Sold, Derivative, Asset, FV	0	0
Risk Participation Agreement, Sold, Derivative, Notional Amount	424,424	284,910
Derivatives not designated as hedges
Derivative [Line Items]
Notional Amount	6,506,902	4,827,602
Asset	81,737	95,437
Liability	(81,858)	(96,118)
Derivatives not designated as hedges | Pay-fixed forward-starting interest rate swaps
Derivative [Line Items]
Notional Amount	2,767,552	2,166,813
Asset	69,802	76,793
Liability	(10,342)	(16,702)
Derivatives not designated as hedges | Pay-variable interest rate swaps
Derivative [Line Items]
Notional Amount	2,767,552	2,166,813
Asset	10,342	16,702
Liability	(69,802)	(77,257)
Derivatives not designated as hedges | Interest Rate Cap
Derivative [Line Items]
Notional Amount	210,398	65,610
Asset	1,418	1,922
Liability	0	0
Derivatives not designated as hedges | Interest Rate Caps Sold
Derivative [Line Items]
Notional Amount	210,398	65,610
Asset	0	0
Liability	$ (1,418)	$ (1,922)

Derivatives and Hedging Activ_7

Derivatives and Hedging Activities (Interest Rate Swaps Subject to Master Netting Agreements) (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Gross Amounts Recognized, Derivative assets	$ 74,615	$ 88,956
Gross Amounts Recognized, Derivative liabilities	(14,383)	(17,750)
Gross Amounts Recognized, Derivative assets and liabilities	(60,232)	(71,206)
Gross Amounts Offset in Balance Sheet, Derivative assets	0	0
Gross Amounts Offset in Balance Sheet, Derivative liabilities	0	0
Gross Amounts Offset in Balance Sheet, Derivative assets and liabilities	0	0
Net Amounts Presented in Balance Sheet, Derivative assets	74,615	88,956
Net Amounts Presented in Balance Sheet, Derivative liabilities	(14,383)	(17,750)
Derivative Asset (Liability), Fair Value, Amount Not Offset Against Collateral	60,232	71,206
Gross Amounts Not Offset in Balance Sheet
Derivative Instruments, Derivative assets	(11,161)	(15,154)
Derivative Instruments, Derivative liabilities	11,161	15,154
Derivative Instruments, Derivative assets and liabilities	0	0
Collateral Pledged, Derivative assets	(63,376)	(73,730)
Collateral Pledged, Derivative liabilities	3,222	2,596
Collateral Pledged, Derivative assets and liabilities	(60,154)	(71,134)
Net Amount, Derivative assets	78	72
Net Amount, Derivative liabilities	0	0
Net Amount, Derivative assets and liabilities	$ 78	$ 72

Derivatives and Hedging Activ_8

Derivatives and Hedging Activities (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Amount expected to be reclassified from AOCI into income	$ (11,200)
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification and Tax	(22,705)	$ (22,681)	$ 79,805
Reclassification adjustment for net gains realized in income	$ (46,158)	$ (48,647)	$ (66)

Stockholders' Equity (Changes i

Stockholders' Equity (Changes in Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Unrealized gains (losses) on investment securities available for sale:
Net unrealized holding gain (loss) arising during the period, Before Tax	$ (130,244)	$ (141,227)	$ 674,115
Amounts reclassified to gain on investment securities available for sale, net, Before Tax	1,074	1,815	3,927
Net change in unrealized gains on securities available for sale, Before Tax	129,170	139,412	(678,042)
Net unrealized holding gain (loss) arising during the period, Tax Effect	33,864	36,719	(175,251)
Amounts reclassified to gain on investment securities available for sale, net, Tax Effect	279	472	1,021
Net change in unrealized gains on securities available for sale, Tax Effect	(33,585)	(36,247)	176,272
Net unrealized holding gain (loss) arising during the period, Net of Tax	96,380	104,508	(498,864)
Amounts reclassified to gain on investment securities available for sale, net, Net of Tax	(795)	(1,343)	(2,906)
Net change in unrealized gains (losses) on securities available for sale	95,585	103,165	(501,770)
Unrealized losses on derivative instruments:
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification and Tax	31,693	35,089	107,764
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification, before Tax	(30,683)	(30,650)	107,674
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification, Tax	(8,240)	(9,123)	(27,893)
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification, Tax	(7,978)	(7,969)	27,869
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification, after Tax	23,453	25,966	79,871
Reclassification adjustment for net gains realized in income	46,158	48,647	66
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification and Tax	(22,705)	(22,681)	79,805
Other comprehensive income (loss), Before Tax	98,487	108,762	(570,368)
Other comprehensive income (loss), Tax Effect	(25,607)	(28,278)	148,403
Other comprehensive income (loss)	72,880	80,484	(421,965)
Accumulated Other Comprehensive Income (Loss) [Line Items]
Net unrealized holding gain (loss) arising during the period, Before Tax	130,244	141,227	(674,115)
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, before Tax	1,074	1,815	3,927
Other Comprehensive Income (Loss), Securities, Available-for-sale, Adjustment, before Tax	129,170	139,412	(678,042)
Other Comprehensive Income (Loss), Securities, Available-for-Sale, Unrealized Holding Gain (Loss) Arising During Period, Tax	33,864	36,719	(175,251)
Amounts reclassified to gain on investment securities available for sale, net, Tax Effect	279	472	1,021
Other Comprehensive Income (Loss), Securities, Available-for-sale, Tax	33,585	36,247	(176,272)
Net unrealized holding gains (losses) arising during the period	96,380	104,508	(498,864)
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Net of Tax	795	1,343	2,906
Other Comprehensive Income (Loss), Securities, Available-for-sale, Adjustment, after Tax	95,585	103,165	(501,770)
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification and Tax	31,693	35,089	107,764
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification, Tax	8,240	9,123	27,893
Net unrealized holding gains arising during the period	23,453	25,966	79,871
Reclassification adjustment for net gains realized in income	46,158	48,647	66
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification, before Tax	(30,683)	(30,650)	107,674
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification, Tax	(7,978)	(7,969)	27,869
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification and Tax	(22,705)	(22,681)	79,805
Other Comprehensive Income (Loss), before Tax	98,487	108,762	(570,368)
Other Comprehensive Income (Loss), Tax	25,607	28,278	(148,403)
Other Comprehensive Income (Loss), Net of Tax	72,880	80,484	(421,965)
Interest expense on deposits
Unrealized losses on derivative instruments:
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax	18,235	23,569	4,357
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, Tax	4,741	6,128	1,133
Reclassification adjustment for net gains realized in income	13,494	17,441	3,224
Accumulated Other Comprehensive Income (Loss) [Line Items]
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax	18,235	23,569	4,357
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, Tax	4,741	6,128	1,133
Reclassification adjustment for net gains realized in income	13,494	17,441	3,224
Interest expense on borrowings
Unrealized losses on derivative instruments:
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax	48,064	44,790	(4,224)
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, Tax	12,497	11,645	(1,098)
Reclassification adjustment for net gains realized in income	35,567	33,145	(3,126)
Accumulated Other Comprehensive Income (Loss) [Line Items]
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax	48,064	44,790	(4,224)
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, Tax	12,497	11,645	(1,098)
Reclassification adjustment for net gains realized in income	35,567	33,145	(3,126)
Interest income on loans
Unrealized losses on derivative instruments:
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax	(3,923)	(2,620)
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, Tax	(1,020)	(681)
Reclassification adjustment for net gains realized in income	(2,903)	(1,939)
Accumulated Other Comprehensive Income (Loss) [Line Items]
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax	(3,923)	(2,620)
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, Tax	(1,020)	(681)
Reclassification adjustment for net gains realized in income	(2,903)	(1,939)
Accumulated Gain (Loss), Net, Cash Flow Hedge, Parent [Member]
Unrealized losses on derivative instruments:
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax			(43)
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, Tax			(11)
Reclassification adjustment for net gains realized in income			(32)
Other comprehensive income (loss)	(22,705)	(22,681)	79,805
Accumulated Other Comprehensive Income (Loss) [Line Items]
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax			(43)
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, Tax			(11)
Reclassification adjustment for net gains realized in income			(32)
Other Comprehensive Income (Loss), Net of Tax	$ (22,705)	$ (22,681)	$ 79,805

Stockholders' Equity (Categorie

Stockholders' Equity (Categories of Other Comprehensive Income) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Other comprehensive income, Beginning Balance	$ (357,421)
Other comprehensive income (loss)	72,880	$ 80,484	$ (421,965)
Other comprehensive income, Ending Balance	(284,541)	(357,421)
Unrealized Gains on Investment Securities Available for Sale
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Other comprehensive income, Beginning Balance	(395,746)	(498,911)	2,859
Other comprehensive income (loss)	95,585	103,165	(501,770)
Other comprehensive income, Ending Balance	(300,161)	(395,746)	(498,911)
Accumulated Gain (Loss), Net, Cash Flow Hedge, Parent [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Other comprehensive income, Beginning Balance	38,325	61,006	(18,799)
Other comprehensive income (loss)	(22,705)	(22,681)	79,805
Other comprehensive income, Ending Balance	15,620	38,325	61,006
Accumulated Other Comprehensive Loss
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Other comprehensive income, Beginning Balance	(357,421)	(437,905)	(15,940)
Other comprehensive income (loss)	72,880	80,484	(421,965)
Other comprehensive income, Ending Balance	$ (284,541)	$ (357,421)	$ (437,905)

Equity Based Compensation (Narr

Equity Based Compensation (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	4 years
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized	3,766,764
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	1,679,655
Unvested and restricted share awards [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount	$ 32,900
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition	2 years 3 months 18 days
RSU and PSU Awards [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount	$ 10,100
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition	1 year 4 months 24 days
Deferred Compensation Share-based Arrangements, Liability, Current and Noncurrent	$ 13,500
Deferred Compensation Plan | Other Liabilities
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Deferred Compensation Liability, Current and Noncurrent	$ 46,000	$ 43,000
A401k Plan First1 Of Eligible Compensation Member
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Deferred Compensation Arrangement with Individual, Cash Awards Granted, Percentage	100%
A401k Plan2 To6 Of Eligible Compensation
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Deferred Compensation Arrangement with Individual, Cash Awards Granted, Percentage	70%

Equity Based Compensation (Sche

Equity Based Compensation (Schedule of Compensation Costs Related to Equity Based Awards) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
APIC, Share-based Payment Arrangement, Increase for Cost Recognition [Abstract]
Share-based Payment Arrangement, Expense	$ 31,096	$ 24,554	$ 25,328
Share-based Payment Arrangement, Expense, Tax Benefit	(8,085)	(6,384)	(6,585)
Share-based Payment Arrangement, Expense, after Tax	23,011	18,170	18,743
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Payment Arrangement, Expense	31,096	24,554	25,328
Share-based Payment Arrangement, Expense, Tax Benefit	(8,085)	(6,384)	(6,585)
Share-based Payment Arrangement, Expense, after Tax	23,011	18,170	18,743
Unvested and restricted share awards [Member]
APIC, Share-based Payment Arrangement, Increase for Cost Recognition [Abstract]
Share-based Payment Arrangement, Expense	16,237	16,122	16,203
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Payment Arrangement, Expense	16,237	16,122	16,203
RSU and PSU Awards [Member]
APIC, Share-based Payment Arrangement, Increase for Cost Recognition [Abstract]
Share-based Payment Arrangement, Expense	7,244	3,351	4,239
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Payment Arrangement, Expense	7,244	3,351	4,239
Incentive Compensation Arrangements [Member]
APIC, Share-based Payment Arrangement, Increase for Cost Recognition [Abstract]
Share-based Payment Arrangement, Expense	7,615	5,081	4,886
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Payment Arrangement, Expense	$ 7,615	$ 5,081	$ 4,886

Equity Based Compensation (Sc_2

Equity Based Compensation (Schedule of Nonvested Share Activity) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	4 years
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Additional Disclosures [Abstract]
Range of the closing price on date of grant, maximum (in Dollars per Share)	$ 40.30	$ 35.39	$ 43.67
Range of the closing price on date of grant, minimum (in Dollars per Share)	$ 26.23	$ 16.94	$ 39.39
Aggregate grant date fair value of shares vesting	$ 22,060	$ 20,757	$ 14,383
Unvested and restricted share awards [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount	$ 32,900
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition	2 years 3 months 18 days
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Additional Disclosures [Abstract]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number	1,072,183	1,016,400	1,194,315	1,179,684
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value	$ 33.03	$ 37.10	$ 39.05	$ 37.17
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period	484,650	509,139	496,361
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period	(405,491)	(542,003)	(391,693)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value	$ 35.62	$ 37.81	$ 36.72
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Forfeitures and Expirations	(23,376)	(145,051)	(90,037)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value	$ 34.25	$ 37.92	$ 39.38
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value	$ 26.71	$ 33.51	$ 41.75
Incentive Compensation Arrangements [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Additional Disclosures [Abstract]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number	689,249	613,491	257,976	0
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value	$ 32.25	$ 38.11	$ 41.87	$ 0
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period	372,274	378,609	294,331
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period	(205,223)	0	0
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value	$ 37.78	$ 0	$ 0
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Forfeitures and Expirations	(91,293)	(23,094)	(36,355)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value	$ 34.62	$ 35.39	$ 41.87
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value	$ 26.23	$ 35.39	$ 41.87

Equity Based Compensation Sched

Equity Based Compensation Schedule of Other Share-Based Compensation, Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Aggregate grant date fair value of shares vesting	$ 22,060	$ 20,757	$ 14,383
Range of the closing price on date of grant, minimum (in Dollars per Share)	$ 26.23	$ 16.94	$ 39.39
Range of the closing price on date of grant, maximum (in Dollars per Share)	$ 40.30	$ 35.39	$ 43.67
Unvested and restricted share awards [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period	484,650	509,139	496,361
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period	(405,491)	(542,003)	(391,693)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number	1,072,183	1,016,400	1,194,315	1,179,684
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value	$ 33.03	$ 37.10	$ 39.05	$ 37.17
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value	26.71	33.51	41.75
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value	$ (35.62)	$ (37.81)	$ (36.72)
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Forfeitures and Expirations	(23,376)	(145,051)	(90,037)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value	$ 34.25	$ 37.92	$ 39.38
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount	$ 32,900
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition	2 years 3 months 18 days
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period	105,173	136,778	66,990
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period	(113,351)	(104,976)	(77,648)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number	132,454	140,632	108,830	119,488
Performance share units [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period	105,173	136,778	66,990
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period	(63,814)	(106,731)	(73,062)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number	308,941	267,582	237,535	243,607
RSU and PSU Awards [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount	$ 10,100
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition	1 year 4 months 24 days
Incentive Compensation Arrangements [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period	372,274	378,609	294,331
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period	(205,223)	0	0
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number	689,249	613,491	257,976	0
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value	$ 32.25	$ 38.11	$ 41.87	$ 0
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value	26.23	35.39	41.87
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value	$ (37.78)	$ 0	$ 0
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Forfeitures and Expirations	(91,293)	(23,094)	(36,355)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value	$ 34.62	$ 35.39	$ 41.87

Equity Based Compensation (Sc_3

Equity Based Compensation (Schedule of Options Outstanding and Exercisable, Additional Information) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share-Based Payment Arrangement [Abstract]
Range of the closing price on date of grant, minimum (in Dollars per Share)	$ 26.23	$ 16.94	$ 39.39
Range of the closing price on date of grant, maximum (in Dollars per Share)	$ 40.30	$ 35.39	$ 43.67
Aggregate grant date fair value of shares vesting	$ 22,060	$ 20,757	$ 14,383

Regulatory Requirements and R_3

Regulatory Requirements and Restrictions (Schedule of Compliance with Regulatory Capital Requirements Under Banking Regulations) (Details) $ in Thousands	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Parent Company
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier One Leverage Capital	$ 3,024,425	$ 2,865,758
Tier One Leverage Capital to Average Assets	0.0848	0.0793
Tier One Leverage Capital Required for Capital Adequacy	$ 1,425,865	$ 1,446,093
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	0.0400	0.0400
Common Equity Tier One Risk Based Capital	$ 3,024,425	$ 2,865,758
Common Equity Tier One Risk Based Capital to Risk Weighted Assets	0.1201	0.1139
Common Equity Tier One Risk Based Capital Required to be Well Capitalized	$ 1,636,789	$ 1,635,794
Common Equity Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	6.50%	6.50%
Common Equity Tier One Risk Based Capital Required for Capital Adequacy	$ 1,133,162	$ 1,132,472
Common Equity Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%	4.50%
Capital conservation buffer required for Common equity tier one	$ 1,762,696	$ 1,761,624
Capital conservation buffer required for Common equity tier one ratio	7%	7%
Tier One Risk Based Capital	$ 3,024,425	$ 2,865,758
Tier One Risk Based Capital to Risk Weighted Assets	0.1201	0.1139
Tier One Risk Based Capital Required to be Well Capitalized	$ 2,014,510	$ 2,013,284
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	0.0800	0.0800
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	$ 1,510,883	$ 1,509,963
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	0.0600	0.0600
Capital conservation buffer required for tier one risk based	$ 2,140,417	$ 2,139,115
Capital conservation buffer required for tier one risk based ratio	8.50%	8.50%
Capital	$ 3,548,872	$ 3,366,597
Capital to Risk Weighted Assets	0.1409	0.1338
Capital Required to be Well Capitalized	$ 2,518,138	$ 2,516,605
Capital Required to be Well Capitalized to Risk Weighted Assets	0.1000	0.1000
Capital Required to be Well Capitalized to Risk Weighted Assets	$ 2,014,510	$ 2,013,284
Capital Required for Capital Adequacy to Risk Weighted Assets	0.0800	0.0800
Capital required under capital conservation buffer	$ 2,644,044	$ 2,642,436
Capital required under capital conservation buffer ratio	10.50%	10.50%
BankUnited [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier One Leverage Capital	$ 3,444,673	$ 3,287,884
Tier One Leverage Capital to Average Assets	0.0967	0.0911
Tier One Leverage Capital Required to be Well Capitalized	$ 1,780,805	$ 1,805,277
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	0.0500	0.0500
Tier One Leverage Capital Required for Capital Adequacy	$ 1,424,644	$ 1,444,221
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	0.0400	0.0400
Common Equity Tier One Risk Based Capital	$ 3,444,673	$ 3,287,884
Common Equity Tier One Risk Based Capital to Risk Weighted Assets	0.1370	0.1309
Common Equity Tier One Risk Based Capital Required to be Well Capitalized	$ 1,634,262	$ 1,632,880
Common Equity Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	6.50%	6.50%
Common Equity Tier One Risk Based Capital Required for Capital Adequacy	$ 1,131,412	$ 1,130,456
Common Equity Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%	4.50%
Capital conservation buffer required for Common equity tier one	$ 1,759,974	$ 1,758,486
Capital conservation buffer required for Common equity tier one ratio	7%	7%
Tier One Risk Based Capital	$ 3,444,673	$ 3,287,884
Tier One Risk Based Capital to Risk Weighted Assets	0.1370	0.1309
Tier One Risk Based Capital Required to be Well Capitalized	$ 2,011,399	$ 2,009,699
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	0.0800	0.0800
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	$ 1,508,549	$ 1,507,274
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	0.0600	0.0600
Capital conservation buffer required for tier one risk based	$ 2,137,112	$ 2,135,305
Capital conservation buffer required for tier one risk based ratio	8.50%	8.50%
Capital	$ 3,669,120	$ 3,488,723
Capital to Risk Weighted Assets	0.1459	0.1389
Capital Required to be Well Capitalized	$ 2,514,249	$ 2,512,124
Capital Required to be Well Capitalized to Risk Weighted Assets	0.1000	0.1000
Capital Required to be Well Capitalized to Risk Weighted Assets	$ 2,011,399	$ 2,009,699
Capital Required for Capital Adequacy to Risk Weighted Assets	0.0800	0.0800
Capital required under capital conservation buffer	$ 2,639,961	$ 2,637,730
Capital required under capital conservation buffer ratio	10.50%	10.50%

Fair Value Measurements (Assets

Fair Value Measurements (Assets and Liabilities Measured at Fair Value on a Recurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 9,215,376	$ 8,973,032
Financial and Nonfinancial Liabilities, Fair Value Disclosure	(85,899)
Derivative Financial Instruments, Liabilities [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Financial and Nonfinancial Liabilities, Fair Value Disclosure	(85,899)	(97,166)
U.S. Treasury securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	202,952	130,592
U.S. Government agency and sponsored enterprise residential MBS
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	2,649,690	1,924,207
U.S. Government agency and sponsored enterprise commercial MBS
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	495,753	497,859
Private label residential MBS and CMOs
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	2,238,046	2,295,730
Private label commercial MBS
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	1,784,029	2,198,743
Single family real estate-backed securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	327,081	366,255
Collateralized loan obligations
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	1,132,699	1,112,824
Non-mortgage asset-backed securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	94,454	102,780
State and municipal obligations
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	104,010	102,618
SBA securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	72,702	103,024
Marketable equity securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	28,828	32,722
Derivative Financial Instruments, Assets [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	85,132	105,678
Fair Value, Inputs, Level 1
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	231,780	163,314
Financial and Nonfinancial Liabilities, Fair Value Disclosure	0
Fair Value, Inputs, Level 1 | Derivative Financial Instruments, Liabilities [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Financial and Nonfinancial Liabilities, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 | U.S. Treasury securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	202,952	130,592
Fair Value, Inputs, Level 1 | U.S. Government agency and sponsored enterprise residential MBS
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 | U.S. Government agency and sponsored enterprise commercial MBS
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 | Private label residential MBS and CMOs
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 | Private label commercial MBS
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 | Single family real estate-backed securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 | Collateralized loan obligations
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 | Non-mortgage asset-backed securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 | State and municipal obligations
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 | SBA securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1 | Marketable equity securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	28,828	32,722
Fair Value, Inputs, Level 1 | Derivative Financial Instruments, Assets [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 2
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	8,983,596	8,809,718
Financial and Nonfinancial Liabilities, Fair Value Disclosure	(85,899)
Fair Value, Inputs, Level 2 | Derivative Financial Instruments, Liabilities [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Financial and Nonfinancial Liabilities, Fair Value Disclosure	(85,899)	(97,166)
Fair Value, Inputs, Level 2 | U.S. Treasury securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 2 | U.S. Government agency and sponsored enterprise residential MBS
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	2,649,690	1,924,207
Fair Value, Inputs, Level 2 | U.S. Government agency and sponsored enterprise commercial MBS
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	495,753	497,859
Fair Value, Inputs, Level 2 | Private label residential MBS and CMOs
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	2,238,046	2,295,730
Fair Value, Inputs, Level 2 | Private label commercial MBS
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	1,784,029	2,198,743
Fair Value, Inputs, Level 2 | Single family real estate-backed securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	327,081	366,255
Fair Value, Inputs, Level 2 | Collateralized loan obligations
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	1,132,699	1,112,824
Fair Value, Inputs, Level 2 | Non-mortgage asset-backed securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	94,454	102,780
Fair Value, Inputs, Level 2 | State and municipal obligations
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	104,010	102,618
Fair Value, Inputs, Level 2 | SBA securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	72,702	103,024
Fair Value, Inputs, Level 2 | Marketable equity securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 2 | Derivative Financial Instruments, Assets [Member]
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 85,132	$ 105,678

Fair Value Measurements (Asse_2

Fair Value Measurements (Assets for which Nonrecurring Changes in Fair Value have been Recorded) (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 9,215,376	$ 8,973,032
Fair Value, Inputs, Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	168,528	50,914
Impaired Loans [Member] | Fair Value, Inputs, Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	165,951	50,885
OREO and Repossessed Assets [Member] | Fair Value, Inputs, Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 2,577	$ 29

Fair Value Measurements (Carryi

Fair Value Measurements (Carrying Value and Fair Value of Financial Instruments) (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Assets:
Investment securities	$ 9,130,244	$ 8,877,281
Non-marketable equity securities	206,297	310,084
Liabilities:
Time deposits	4,301,289	5,163,995
Fair Value, Inputs, Level 1
Assets:
Cash and cash equivalents	491,116	588,283
Fair Value, Inputs, Level 2
Assets:
Non-marketable equity securities	$ 206,297	$ 310,084
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Liabilities:
Demand, savings and money market deposits	$ 23,564,414	$ 21,374,483
Time deposits	4,279,475	5,133,119
FHLB advances	2,929,896	5,115,637
Notes and other borrowings	$ 695,457	$ 676,077
Derivative liabilities	Other liabilities	Other liabilities
Fair Value, Inputs, Level 3
Assets:
Loans, net	$ 23,053,011	$ 23,075,192
Carrying Value
Assets:
Cash and cash equivalents	491,116	588,283
Investment securities	9,130,244	8,877,354
Non-marketable equity securities	206,297	310,084
Loans, net	$ 24,074,827	$ 24,430,995
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Liabilities:
Demand, savings and money market deposits	$ 23,564,414	$ 21,374,483
Time deposits	4,301,289	5,163,995
FHLB advances	2,930,000	5,115,000
Notes and other borrowings	$ 708,553	$ 708,973
Derivative liabilities	Other liabilities	Other liabilities

Commitments and Contingencies C

Commitments and Contingencies Commitments (Details) $ in Thousands	Dec. 31, 2024 USD ($)
Lending related commitments [Line Items]
Unused Commitments to Extend Credit	$ 5,110,231
Commitments to fund loans
Lending related commitments [Line Items]
Unused Commitments to Extend Credit	261,634
Unfunded commitments under lines of credit
Lending related commitments [Line Items]
Unused Commitments to Extend Credit	4,676,612
Commercial and standby letters of credit
Lending related commitments [Line Items]
Unused Commitments to Extend Credit	$ 171,985

Condensed Financial Statement_3

Condensed Financial Statements of BankUnited, Inc. (Schedule of Condensed Balance Sheet) (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Assets:
Cash and cash equivalents	$ 491,116	$ 588,283
Other assets	753,207	786,886
Total assets	35,241,742	35,761,607
Liabilities and Stockholders' Equity:
Other liabilities	923,168	821,235
Stockholders' equity	2,814,318	2,577,921	$ 2,435,981
Total liabilities and stockholders' equity	35,241,742	35,761,607
Parent Company
Assets:
Cash and cash equivalents	274,350	262,036	$ 266,282	$ 164,212
Marketable Securities	28,828	32,722
Investment in subsidiaries	3,233,366	2,999,190
Other assets	7,423	7,739
Total assets	3,543,967	3,301,687
Liabilities and Stockholders' Equity:
Notes Payable	683,924	682,472
Other liabilities	45,725	41,294
Stockholders' equity	2,814,318	2,577,921
Total liabilities and stockholders' equity	$ 3,543,967	$ 3,301,687

Condensed Financial Statement_4

Condensed Financial Statements of BankUnited, Inc. (Schedule of Condensed Statements of Income) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2024	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Condensed Income Statements, Captions [Line Items]
Investment securities									$ 497,666	$ 488,212	$ 280,100
Other non-interest income									46,192	30,102	16,820
Interest Expense - Borrowings									195,278	323,472	137,519
Employee compensation and benefits									315,604	280,744	265,548
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	$ 92,991	$ 83,186	$ 72,963	$ 67,209	$ 24,186	$ 62,427	$ 78,630	$ 71,841	316,349	237,084	375,132
Provision for income taxes	23,689	21,734	19,230	19,229	3,374	15,446	20,634	18,959	83,882	58,413	90,161
Net income	$ 69,302	$ 61,452	$ 53,733	$ 47,980	$ 20,812	$ 46,981	$ 57,996	$ 52,882	232,467	178,671	284,971
Parent Company
Condensed Income Statements, Captions [Line Items]
Investment securities									1,729	3,751	5,047
Service fees from subsidiaries									16,775	16,749	17,185
Equity in earnings of subsidiaries									276,296	225,288	338,911
Other Income									1,053	(11,555)	(19,732)
Other non-interest income									0	904	0
Total Income									295,853	235,137	341,411
Interest Expense - Borrowings									35,765	36,057	36,210
Employee compensation and benefits									34,624	28,271	29,189
Other Expenses									4,097	4,995	3,857
Total expense									74,486	69,323	69,256
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest									221,367	165,814	272,155
Provision for income taxes									(11,100)	(12,857)	(12,816)
Net income									$ 232,467	$ 178,671	$ 284,971

Condensed Financial Statement_5

Condensed Financial Statements of BankUnited, Inc. (Schedule of Condensed Statements of Cash Flows) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2024	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Net Cash Provided by (Used in) Operating Activities [Abstract]
Net income	$ 69,302	$ 61,452	$ 53,733	$ 47,980	$ 20,812	$ 46,981	$ 57,996	$ 52,882	$ 232,467	$ 178,671	$ 284,971
Adjustments to reconcile net income to net cash provided by operating activities:
Share based compensation									21,573	19,628	20,940
Net cash provided by operating activities									433,780	657,496	1,293,821
Cash flows from investing activities:
Proceeds from repayments and calls of investment securities									1,951,954	1,036,517	1,784,484
Other									(52,640)	(29,993)	(41,400)
Net cash used in investing activities									409,714	980,574	(2,120,400)
Cash flows from financing activities:
Dividends paid									85,513	79,091	79,443
Payments for Repurchase of Common Stock									0	55,154	401,288
Other									(2,627)	22,333	12,132
Net cash provided by financing activities									(940,661)	(1,622,434)	1,084,369
Net (decrease) increase in cash and cash equivalents									(97,167)	15,636	257,790
Cash and cash equivalents, beginning of period				588,283					588,283
Cash and cash equivalents, end of period	491,116				588,283				491,116	588,283
Supplemental schedule of non-cash investing and financing activities:
Dividends declared, not paid									22,176	20,706	19,346
Parent Company
Net Cash Provided by (Used in) Operating Activities [Abstract]
Net income									232,467	178,671	284,971
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed earnings of subsidiaries									(161,296)	(140,288)	266,089
Share based compensation									21,573	26,315	25,179
Increase (Decrease) in Other Operating Assets and Liabilities, Net									5,046	8,936	1,858
Net cash provided by operating activities									97,790	73,634	578,097
Cash flows from investing activities:
Proceeds from repayments and calls of investment securities									5,000	73,962	10,000
Other									0	(160)	0
Net cash used in investing activities									5,000	73,802	10,000
Cash flows from financing activities:
Dividends paid									85,513	79,091	(79,443)
Payments for Repurchase of Common Stock									0	(55,154)	(401,288)
Repayments of Senior Debt									0	(10,554)	0
Other									4,963	6,883	5,296
Net cash provided by financing activities									(90,476)	(151,682)	(486,027)
Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect									12,314	(4,246)	102,070
Cash and cash equivalents, beginning of period				$ 262,036				$ 266,282	262,036	266,282	164,212
Cash and cash equivalents, end of period	$ 274,350				$ 262,036				274,350	262,036	266,282
Supplemental schedule of non-cash investing and financing activities:
Dividends declared, not paid									$ 22,176	$ 20,706	$ 19,346

Condensed Financial Statement_6

Condensed Financial Statements of BankUnited, Inc. (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
SEC Schedule, 12-04, Cash Dividends Paid to Registrant, Consolidated Subsidiaries	$ (115,000)	$ (85,000)	$ (605,000)

Quarterly Financial Informati_3

Quarterly Financial Information (Unaudited) (Schedule of Quarterly Financial Information) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2024	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Quarterly Financial Information Disclosure [Abstract]
Interest income	$ 467,988	$ 492,356	$ 483,298	$ 481,474	$ 483,205	$ 470,539	$ 463,421	$ 440,416	$ 1,925,116	$ 1,857,581	$ 1,230,451
Total interest expense	228,729	258,228	257,276	266,617	265,995	255,697	249,543	212,542	1,010,850	983,777	317,491
Net interest income before provision for credit losses	239,259	234,128	226,022	214,857	217,210	214,842	213,878	227,874	914,266	873,804	912,960
Provision for credit losses	11,001	9,248	19,538	15,285	19,253	33,049	15,517	19,788	55,072	87,607	75,154
Net interest income after provision for credit losses	228,258	224,880	206,484	199,572	197,957	181,793	198,361	208,086	859,194	786,197	837,806
Non-interest income	25,205	22,888	24,185	26,877	17,092	27,724	25,487	16,535	99,155	86,838	77,636
Non-interest expense	160,472	164,582	157,706	159,240	190,863	147,090	145,218	152,780	642,000	635,951	540,310
Income before income taxes	92,991	83,186	72,963	67,209	24,186	62,427	78,630	71,841	316,349	237,084	375,132
Provision for income taxes	23,689	21,734	19,230	19,229	3,374	15,446	20,634	18,959	83,882	58,413	90,161
Net income	$ 69,302	$ 61,452	$ 53,733	$ 47,980	$ 20,812	$ 46,981	$ 57,996	$ 52,882	$ 232,467	$ 178,671	$ 284,971
Earnings per common share, basic (in dollars per share)	$ 0.92	$ 0.82	$ 0.72	$ 0.64	$ 0.27	$ 0.63	$ 0.78	$ 0.71	$ 3.10	$ 2.39	$ 3.55
Earnings per common share, diluted	$ 0.91	$ 0.81	$ 0.72	$ 0.64	$ 0.27	$ 0.63	$ 0.78	$ 0.70	$ 3.08	$ 2.38	$ 3.54

Quarterly Financial Informati_4

Quarterly Financial Information (Unaudited) - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Dec. 31, 2024	Mar. 31, 2024	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income Tax Examination [Line Items]
Deposit insurance expense	$ 35,400	$ 5,200	$ 36,143	$ 66,747	$ 17,999