FB Financial (FBK) 10-K 27 Feb 24 2023 FY Annual report Financial data

Cover

Cover - USD ($)	12 Months Ended
	Dec. 31, 2023	Feb. 13, 2024	Jun. 30, 2023
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2023
Current Fiscal Year End Date	--12-31
Document Transition Report	false
Entity File Number	001-37875
Entity Registrant Name	FB FINANCIAL CORPORATION
Entity Incorporation, State or Country Code	TN
Entity Tax Identification Number	62-1216058
Entity Address, Address Line One	1221 Broadway
Entity Address, Address Line Two	Suite 1300
Entity Address, City or Town	Nashville
Entity Address, State or Province	TN
Entity Address, Postal Zip Code	37203
City Area Code	615
Local Phone Number	564-1212
Title of 12(b) Security	Common Stock, Par Value $1.00 Per Share
Trading Symbol	FBK
Security Exchange Name	NYSE
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Reporting Company	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction	false
Entity Shell Company	false
Entity Public Float			$ 987,421,710
Entity Common Stock, Shares Outstanding		46,858,267
Documents Incorporated by Reference	Portions of the registrant’s Definitive Proxy Statement relating to the registrant's 2024 Annual Meeting of Shareholders, which will be filed within 120 days after December 31, 2023, are incorporated by reference into Part III of this Annual Report on Form 10-K.
Amendment Flag	false
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	FY
Entity Central Index Key	0001649749

Audit Information

Audit Information	12 Months Ended
	Dec. 31, 2023
Auditor Information [Abstract]
Auditor Name	Crowe LLP
Auditor Location	Franklin, Tennessee
Auditor Firm ID	173

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 146,542	$ 259,872
Federal funds sold and reverse repurchase agreements	83,324	210,536
Interest-bearing deposits in financial institutions	581,066	556,644
Cash and cash equivalents	810,932	1,027,052
Investments:
Available-for-sale debt securities, at fair value	1,471,973	1,471,186
Equity securities, at fair value	0	2,990
Federal Home Loan Bank stock, at cost	34,190	58,641
Loans held for sale (includes $46,618 and $113,240 at fair value, respectively)	67,847	139,451
Loans held for investment	9,408,783	9,298,212
Less: allowance for credit losses on loans HFI	150,326	134,192
Net loans held for investment	9,258,457	9,164,020
Premises and equipment, net	155,731	146,316
Operating lease right-of-use assets	54,295	60,043
Interest receivable	52,715	45,684
Mortgage servicing rights, at fair value	164,249	168,365
Bank-owned life insurance	76,143	75,329
Other real estate owned, net	3,192	5,794
Goodwill	242,561	242,561
Core deposit and other intangibles, net	8,709	12,368
Other assets	203,409	227,956
Total assets	12,604,403	12,847,756
Deposits
Noninterest-bearing	2,218,382	2,676,631
Interest-bearing checking	2,504,421	3,059,984
Money market and savings	4,204,851	3,697,245
Customer time deposits	1,469,811	1,420,131
Brokered and internet time deposits	150,822	1,843
Total deposits	10,548,287	10,855,834
Borrowings	390,964	415,677
Operating lease liabilities	67,643	69,754
Accrued expenses and other liabilities	142,622	180,973
Total liabilities	11,149,516	11,522,238
SHAREHOLDERS' EQUITY
Common stock, $1 par value per share; 75,000,000 shares authorized; 46,848,934 and 46,737,912 shares issued and outstanding, respectively	46,849	46,738
Additional paid-in capital	864,258	861,588
Retained earnings	678,412	586,532
Accumulated other comprehensive loss, net	(134,725)	(169,433)
Total FB Financial Corporation common shareholders' equity	1,454,794	1,325,425
Noncontrolling interest	93	93
Total equity	1,454,887	1,325,518
Total liabilities and shareholders' equity	$ 12,604,403	$ 12,847,756

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Fair value of loan held for sale	$ 67,847	$ 139,451
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, shares authorized (in shares)	75,000,000	75,000,000
Common stock, shares issued (in shares)	46,848,934	46,737,912
Common stock, shares outstanding (in shares)	46,848,934	46,737,912
Fair Value
Fair value of loan held for sale	$ 46,618	$ 113,240

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Interest income:
Interest and fees on loans	$ 599,195	$ 436,363	$ 359,262
Interest on investment securities
Taxable	27,257	25,469	15,186
Tax-exempt	7,153	7,332	7,657
Other	44,805	12,258	2,893
Total interest income	678,410	481,422	384,998
Interest expense:
Deposits	258,819	56,642	30,189
Borrowings	12,374	12,545	7,439
Total interest expense	271,193	69,187	37,628
Net interest income	407,217	412,235	347,370
Provision for (reversal of) credit losses on loans HFI	16,738	10,393	(38,995)
(Reversal of) provision for credit losses on unfunded commitments	(14,199)	8,589	(1,998)
Net interest income after provision for (reversal of) credit losses	404,678	393,253	388,363
Noninterest income:
(Loss) gain from investment securities, net	(13,973)	(376)	324
(Loss) gain on sales or write-downs of other real estate owned and other assets	(27)	(265)	2,827
Other income	6,095	5,213	19,047
Total noninterest income	70,543	114,667	228,255
Noninterest expenses:
Salaries, commissions and employee benefits	203,441	211,491	248,318
Occupancy and equipment expense	28,148	23,562	22,733
Data processing	9,230	9,315	9,987
Legal and professional fees	8,890	15,028	9,161
Advertising	8,267	11,208	13,921
Amortization of core deposit and other intangibles	3,659	4,585	5,473
Mortgage restructuring expense	0	12,458	0
Other expense	63,294	60,699	63,974
Total noninterest expense	324,929	348,346	373,567
Income before income taxes	150,292	159,574	243,051
Income tax expense	30,052	35,003	52,750
Net income applicable to FB Financial Corporation and noncontrolling interest	120,240	124,571	190,301
Net income applicable to noncontrolling interest	16	16	16
Net income applicable to FB Financial Corporation	$ 120,224	$ 124,555	$ 190,285
Earnings per common share:
Basic (in dollars per share)	$ 2.57	$ 2.64	$ 4.01
Diluted (in dollars per share)	$ 2.57	$ 2.64	$ 3.97
Mortgage banking income
Noninterest income:
Mortgage banking income, service charges on deposit accounts, investment services and trust income, ATM and interchange fees	$ 44,692	$ 73,580	$ 167,565
Service charges on deposit accounts
Noninterest income:
Mortgage banking income, service charges on deposit accounts, investment services and trust income, ATM and interchange fees	12,154	12,049	10,034
Investment services and trust income
Noninterest income:
Mortgage banking income, service charges on deposit accounts, investment services and trust income, ATM and interchange fees	11,320	8,866	8,558
ATM and interchange fees
Noninterest income:
Mortgage banking income, service charges on deposit accounts, investment services and trust income, ATM and interchange fees	$ 10,282	$ 15,600	$ 19,900

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Statement of Comprehensive Income [Abstract]
Net income	$ 120,240	$ 124,571	$ 190,301
Other comprehensive income (loss), net of tax:
Net unrealized gain (loss) in available-for-sale securities, net of tax expense (benefit) of $8,706, $(62,316), and $(7,224)	24,802	(176,798)	(22,475)
Reclassification adjustment for loss (gain) on sale of securities included in net income, net of tax benefit (expense) of $3,668, $—, and $(33)	10,406	(1)	(93)
Net unrealized (loss) gain in hedging activities, net of tax (benefit) expense of $(176), $532, and $293	(500)	1,508	831
Total other comprehensive income (loss), net of tax	34,708	(175,291)	(21,737)
Comprehensive income (loss) applicable to FB Financial Corporation and noncontrolling interest	154,948	(50,720)	168,564
Comprehensive income applicable to noncontrolling interest	16	16	16
Comprehensive income (loss) applicable to FB Financial Corporation	$ 154,932	$ (50,736)	$ 168,548

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income (Loss) (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Statement of Comprehensive Income [Abstract]
Net tax (benefits) expenses on net change in unrealized gain (loss) on available-for-sale securities	$ 8,706	$ (62,316)	$ (7,224)
Net tax expenses (benefits) on reclassification adjustment for gain on sale of securities included in net income	3,668	0	(33)
Net tax expenses (benefits) recognized on net change in unrealized gain (loss) on hedging activities	$ (176)	$ 532	$ 293

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Total	RSUs	PSUs	Total common shareholders' equity	Total common shareholders' equity RSUs	Total common shareholders' equity PSUs	Common stock	Common stock RSUs	Common stock PSUs	Additional paid-in capital	Additional paid-in capital RSUs	Additional paid-in capital PSUs	Retained earnings	Accumulated other comprehensive income (loss), net	Noncontrolling interest
Beginning balance at Dec. 31, 2020	$ 1,291,382			$ 1,291,289			$ 47,222			$ 898,847			$ 317,625	$ 27,595	$ 93
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income attributable to FB Financial Corporation and noncontrolling interest	190,301			190,285									190,285		16
Other comprehensive income (loss), net of taxes	(21,737)			(21,737)										(21,737)
Repurchase of common stock	(7,595)			(7,595)			(179)			(7,416)
Stock based compensation expense	10,282			10,282			7			10,275					0
Restricted stock and performance-based restricted stock units vested, net of taxes		$ (10,158)			$ (10,158)			$ 462			$ (10,620)
Shares issued under employee stock purchase program	1,480			1,480			37			1,443
Dividends declared	(21,244)			(21,244)			0			0			(21,244)
Noncontrolling interest distribution	(16)			0									0		(16)
Ending balance at Dec. 31, 2021	1,432,695			1,432,602			47,549			892,529			486,666	5,858	93
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income attributable to FB Financial Corporation and noncontrolling interest	124,571			124,555									124,555		16
Other comprehensive income (loss), net of taxes	(175,291)			(175,291)										(175,291)
Repurchase of common stock	(39,979)			(39,979)			(997)			(38,982)
Stock based compensation expense	9,857			9,857			3			9,854
Restricted stock and performance-based restricted stock units vested, net of taxes		(2,842)			(2,842)			156			(2,998)
Shares issued under employee stock purchase program	1,212			1,212			27			1,185
Dividends declared	(24,689)			(24,689)									(24,689)
Noncontrolling interest distribution	(16)														(16)
Ending balance at Dec. 31, 2022	1,325,518			1,325,425			46,738			861,588			586,532	(169,433)	93
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income attributable to FB Financial Corporation and noncontrolling interest	120,240			120,224									120,224		16
Other comprehensive income (loss), net of taxes	34,708			34,708										34,708
Repurchase of common stock	(4,944)			(4,944)			(136)			(4,808)
Stock based compensation expense	10,381			10,381			9			10,372
Restricted stock and performance-based restricted stock units vested, net of taxes		$ (2,064)	$ (1,315)		$ (2,064)	$ (1,315)		$ 149	$ 68		$ (2,213)	$ (1,383)
Shares issued under employee stock purchase program	723			723			21			702
Dividends declared	(28,344)			(28,344)									(28,344)
Noncontrolling interest distribution	(16)														(16)
Ending balance at Dec. 31, 2023	$ 1,454,887			$ 1,454,794			$ 46,849			$ 864,258			$ 678,412	$ (134,725)	$ 93

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Statement of Stockholders' Equity [Abstract]
Dividends declared (in dollars per share)	$ 0.60	$ 0.52	$ 0.44

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Cash flows from operating activities:
Net income attributable to FB Financial Corporation and noncontrolling interest	$ 120,240	$ 124,571	$ 190,301
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization of fixed assets and software	11,180	8,017	8,416
Amortization of core deposit and other intangibles	3,659	4,585	5,473
Amortization of Debt Issuance Costs and Accretion of Premiums	387	387	17
Capitalization of mortgage servicing rights	(7,192)	(20,809)	(39,018)
Net change in fair value of mortgage servicing rights	11,308	(32,044)	3,503
Stock-based compensation expense	10,381	9,857	10,282
Provision for (reversal of) credit losses on loans HFI	16,738	10,393	(38,995)
(Reversal of) provision for credit losses on unfunded commitments	(14,199)	8,589	(1,998)
Provision for mortgage loan repurchases	(650)	(2,989)	(766)
(Accretion) amortization of discounts and premiums on acquired loans, net	(694)	1,020	853
Amortization (accretion) of premiums and discounts on securities, net	6,106	6,589	8,777
Loss (gain) from investment securities, net	13,973	376	(324)
Originations of loans held for sale	(1,199,362)	(2,403,476)	(6,300,892)
Repurchases of loans held for sale	0	(194)	(487)
Proceeds from sale of loans held for sale	1,276,596	3,067,204	6,387,110
Gain on sale and change in fair value of loans held for sale	(28,541)	(47,783)	(161,964)
Net loss (gain) on write-downs of other real estate owned and other assets	27	265	(2,827)
Provision for deferred income taxes	(1,415)	12,552	30,770
Earnings on bank-owned life insurance	(1,871)	(1,452)	(1,542)
Changes in:
Operating lease assets and liabilities, net	3,637	5,030	(969)
Other assets and interest receivable	6,564	(17,222)	59,283
Accrued expenses and other liabilities	(15,800)	56,247	(100,108)
Net cash provided by operating activities	211,072	789,713	54,895
Activity in available-for-sale securities:
Sales	100,463	1,218	8,855
Maturities, prepayments and calls	128,206	204,748	296,256
Purchases	(202,054)	(242,889)	(847,212)
Proceeds from sales of equity securities	3,091	0	0
Net change in loans	(97,302)	(1,675,976)	(309,766)
Sales of FHLB stock	32,444	0	4,294
Purchases of FHLB stock	(7,993)	(26,424)	(5,279)
Purchases of premises and equipment	(20,229)	(10,629)	(6,102)
Proceeds from the sale of premises and equipment	123	875	0
Proceeds from the sale of other real estate owned	6,083	4,959	9,396
Proceeds from the sale of other assets	1,717	0	0
Proceeds from bank-owned life insurance	236	0	0
Net cash used in investing activities	(55,215)	(1,744,118)	(849,558)
Cash flows from financing activities:
Net (decrease) increase in deposits	(312,897)	28,784	1,378,860
Net increase in securities sold under agreements to repurchase and federal funds purchased	21,819	46,229	8,517
Net decrease in short-term FHLB advances and Bank Term Funding Program	(45,000)
Net increase in short-term FHLB advances and Bank Term Funding Program		175,000	0
Payments on subordinated debt	0	0	(60,000)
Payments on other borrowings	0	0	(15,000)
Share based compensation withholding payments	(3,379)	(2,842)	(10,158)
Net proceeds from sale of common stock under employee stock purchase program	723	1,212	1,480
Repurchase of common stock	(4,944)	(39,979)	(7,595)
Dividends paid on common stock	(28,057)	(24,503)	(20,866)
Dividend equivalent payments made upon vesting of equity compensation	(226)	(168)	(717)
Noncontrolling interest distribution	(16)	(16)	(16)
Net cash (used in) provided by financing activities	(371,977)	183,717	1,274,505
Net change in cash and cash equivalents	(216,120)	(770,688)	479,842
Cash and cash equivalents at beginning of the period	1,027,052	1,797,740	1,317,898
Cash and cash equivalents at end of the period	810,932	1,027,052	1,797,740
Supplemental cash flow information:
Interest paid	261,032	63,701	41,238
Taxes paid, net	37,937	906	61,693
Supplemental noncash disclosures:
Transfers from loans to other real estate owned	2,736	1,437	5,262
Transfers from loans to other assets	2,925	0	0
Transfers from other real estate owned to other assets	75	0	0
Transfers from other real estate owned to premises and equipment	0	351	0
Loans provided for sales of other real estate owned	0	0	704
Loans provided for sales of other assets	911	0	0
Transfers from loans to loans held for sale	13,720	46,364	10,408
Transfers from loans held for sale to loans	3,273	24,479	86,315
(Decrease) increase in rebooked GNMA loans under optional repurchase program	(4,982)	26,211	0
Dividends declared not paid on restricted stock units	287	222	400
Right-of-use assets obtained in exchange for operating lease liabilities	$ 7,300	$ 25,399	$ 970

Basis of Presentation

Basis of Presentation	12 Months Ended
	Dec. 31, 2023
Accounting Policies [Abstract]
Basis of Presentation	Basis of presentation (A) Organization and Company overview FB Financial Corporation (the “Company”) is a financial holding company headquartered in Nashville, Tennessee. FirstBank (the “Bank”), a direct subsidiary of the Company, headquartered in Nashville, provides a comprehensive suite of commercial and consumer banking services to clients in select markets. These services are offered through the Bank's 81 full-service branches throughout Tennessee, Kentucky, Alabama and North Georgia, as well as other limited servicing banking, ATM and mortgage loan production locations serving metropolitan and community markets across its footprint. (B) Basis of presentation and use of estimates The accompanying consolidated financial statements include the Company and its wholly-owned subsidiaries, namely the Bank. All significant intercompany accounts and transactions have been eliminated in consolidation. The accounting policies followed by the Company and its subsidiaries and the methods of applying these principles conform with accounting principles generally accepted in the United States of America and general banking industry. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenue and expenses during the reporting period, the most significant of which relate to the allowance for credit losses and mortgage servicing rights. Certain policies that significantly affect the determination of financial position, results of operations and cash flows are summarized below. Additionally, certain prior period amounts have been reclassified to conform to the current period presentation. These reclassifications did not materially impact the Company's consolidated financial statements. (C) Cash and cash equivalents The Company considers all highly liquid unrestricted investments with a maturity of three months or less when purchased to be cash equivalents. This includes cash, federal funds sold, reverse repurchase agreements and interest-bearing deposits in other financial institutions. The Bank maintains its cash in bank deposit accounts, which, at times, may exceed federally insured limits. The Bank has not experienced any losses in such correspondent accounts and believes it is not exposed to any significant credit risk from cash and cash equivalents. (D) Investment securities Available-for-sale debt securities, at fair value Debt securities that might be sold before maturity are classified as available-for-sale. Available-for-sale debt securities are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income, net of applicable taxes, unless such unrealized gain or loss results from expected credit losses. Unrealized losses resulting from credit losses for available-for-sale debt securities are recognized in earnings as a provision for credit losses. Accrued interest receivable for available-for-sale securities is separated from other components of amortized cost and presented separately on the consolidated balance sheets. The amortization and accretion of purchase premiums or discounts is recognized as interest income on the level-yield method anticipating prepayments based upon the prior three month average monthly prepayments when available. The Company evaluates available-for-sale securities for expected credit losses. For securities in an unrealized loss position, consideration is given to the extent to which the fair value has been less than cost, the financial condition and near-term prospects of the issuer and the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value. In analyzing an issuer’s financial condition, the Company considers whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuer’s financial condition. If the Company does not intend to sell the security and it is not more likely than not to be required to sell the security before recovery of its amortized cost basis, the difference between the amortized cost and the fair value is separated into estimated credit losses and all other factors. Estimated credit losses are recorded as an allowance for credit losses and recognized in earnings as a provision for credit losses. Amounts related to other, non-credit related factors are recognized in other comprehensive income, net of applicable taxes. The Company did not record any provision for credit losses for its available-for-sale debt securities during the years ended December 31, 2023 and 2022 as declines in fair value below amortized cost were determined to be non-credit related. Sales of available-for-sale securities are evaluated based on factors such as changes in interest rates, liquidity needs, asset and liability management strategies and other factors. If the Company intends to sell the security or it is more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis, the expected credit loss recognized in earnings is equal to the difference between its amortized cost basis and its fair value at the date it was determined to be impaired due to credit losses or other factors. The sale and purchase of investment securities are recognized on a trade date basis with gains and losses on sales being determined using the specific identification method. Held-to-maturity securities Debt securities are classified as held-to-maturity and carried at amortized cost, excluding accrued interest, when management has the positive intent and ability to hold them to maturity. At December 31, 2023 and 2022, the Company did not own held-to-maturity securities. Trading account securities Trading account securities are held for the purpose of buying and selling securities at a profit. Trading account securities are carried at fair value on the balance sheet, with any periodic changes in fair value recorded through income. At December 31, 2023 and 2022, the Company did not own trading account securities. Equity securities, at fair value Equity securities with readily determinable market values are carried at fair value on the balance sheet with any periodic changes in fair value recorded through income. Equity securities without readily determinable market values are carried at cost less impairment and included in “Other assets” on the consolidated balance sheets. Federal Home Loan Bank stock, at cost The Company accounts for its investments in FHLB stock in accordance with ASC 942-325 “Financial Services-Depository and Lending-Investments-Other.” FHLB stock does not have a readily determinable fair value because its ownership is restricted and lacks a market as all transactions are executed at par value with the FHLB as the sole purchaser. FHLB stock is carried at cost and evaluated for impairment based upon management’s assessment of the recoverability of the par value. Ownership of FHLB stock is required to participate in the FHLB system and varies based upon the amount of FHLB advances. (E) Loans held for sale Mortgage loans held for sale Mortgage loans originated and intended for sale in the secondary market are carried at fair value under the fair value option as permitted under the guidance in ASC 825, “Financial Instruments,” until sold. Electing to measure these assets at fair value reduces certain timing differences and more accurately matches the changes in fair value of the loans with changes in the fair value of derivative instruments used to economically hedge them. The change in fair value of both loans held for sale and the related derivative instruments are recorded in “Mortgage banking income” in the consolidated statements of income. Gains and losses on sale are recognized at the time the loan is closed. Pass through origination costs and related loan fees are also included in “Mortgage banking income.” A portion of loans sold by the Company are sold to GNMA with the Company retaining the servicing rights after the sale. GNMA optional repurchase programs allow financial institutions to repurchase individual delinquent mortgage loans that meet certain criteria from the securitized loan pool from which the institution provides servicing. At the servicer's option and without GNMA's prior authorization, the servicer may repurchase such a delinquent loan for an amount equal to 100% of the remaining principal balance of the loan. Under ASC 860, “Transfers and Servicing,” this buy-back option is considered a conditional option until the delinquency criteria are met, at which time the option becomes unconditional. When the Company is deemed to have effective control over these loans under the unconditional buy-back option, the loan can no longer be reported as sold and must be brought onto the balance sheet as loans held for sale, regardless of whether the Company intends to exercise the buy-back option. These loans are reported at the current unpaid principal balance as “Loans held for sale” with an offsetting liability reported in “Borrowings” on the Company's consolidated balance sheets and are considered nonperforming assets due to their delinquent status. Commercial loan held for sale Historically, the Company held and managed a designated portfolio of commercial loans, including shared national credits and institution healthcare loans, originally acquired through past acquisitions. During year ended December 31, 2023, the Company exited the final commercial relationship designated as held for sale. Prior to this exit, the Company accounted for these designated relationships as held for sale. (F) Loans held for investment (excluding purchased credit deteriorated loans) Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at amortized cost. Amortized cost is equal to the principal amount outstanding less any remaining purchase accounting discount or premium. Interest on loans is recognized as income by using the simple interest method on daily balances of the principal amount outstanding plus any accretion or amortization of purchase accounting premiums or discounts. Loans may be designated as nonaccrual if past due 90 days or more or if management determines based on economic conditions and the borrower’s financial condition that collection of principal or interest is doubtful, unless the credit is well secured and in the process of collection. When a loan is placed on nonaccrual status, the accrued but unpaid interest is charged against current period operations. Thereafter, interest on nonaccrual loans is recognized only as received if future collection of principal is probable. If the collectability of outstanding principal is doubtful, interest received is applied as a reduction of principal. A loan may be restored to accrual status when principal and interest are no longer past due or it otherwise becomes both well secured and collectability is reasonably assured. (G) Allowance for credit losses The allowance for credit losses represents the portion of the loan's amortized cost basis that the Company does not expect to collect due to credit losses over the loan's life, considering past events, current conditions, and reasonable and supportable forecasts of future economic conditions. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for credit losses is based on the loan's amortized cost basis, excluding accrued interest receivable, as the Company promptly charges off uncollectible accrued interest receivable. Management’s determination of the appropriateness of the allowance is based on periodic evaluation of the loan portfolio, lending-related commitments and other relevant factors, including macroeconomic forecasts and historical loss rates. In the future, the Company may update information and forecasts that may cause significant changes in the estimate in those future quarters. The Company calculates its expected credit loss using a lifetime loss rate methodology. The Company utilizes probability-weighted forecasts, which consider multiple macroeconomic variables from Moody's that are applicable to each type of loan. Each of the Company's loss rate models incorporate forward-looking macroeconomic projections throughout the reasonable and supportable forecast period and the subsequent historical reversion at the macroeconomic variable input level. In order to estimate the life of a loan, the contractual term of the loan is adjusted for estimated prepayments based on market information and the Company’s prepayment history. For loss estimation purposes, the Company disaggregates the loan portfolio into three loan pools: 1) Commercial and industrial; 2) Retail; 3) Commercial real estate. These loan pools are further disaggregated into loan segments for application of qualitative inputs for loss estimation purposes. These loan segments include: Commercial and industrial loans. Commercial and industrial loans are typically made to small- and medium-sized manufacturing, wholesale, retail and service businesses, and farmers for working capital and operating needs and business expansions. This category also includes loans secured by manufactured housing receivables made primarily to manufactured housing communities. Commercial and industrial loans generally include lines of credit and loans with maturities of five years or less. Commercial and industrial loans are generally made with operating cash flows as the primary source of repayment, but may also include collateralization by inventory, accounts receivable, equipment and personal guarantees. Construction loans. Construction loans include commercial construction, land acquisition and land development loans and single-family interim construction loans to small- and medium-sized businesses and individuals. These loans are generally secured by the land or the real property being built and are made based on the Company's assessment of the value of the property on an as-completed basis and repayment depends upon project completion and sale, refinancing, or operation of the real estate. 1-4 family mortgage loans . The Company’s residential real estate 1-4 family mortgage loans are primarily made with respect to and secured by single family homes, including manufactured homes with real estate, which are both owner-occupied and investor owned. Repayment depends primarily upon the cash flow of the borrower as well as the value of the real estate collateral. Residential line of credit loans. The Company’s residential line of credit loans are primarily revolving, open-end lines of credit secured by 1-4 residential properties. Repayment depends primarily upon the cash flow of the borrower as well as the value of the real estate collateral. Multi-family residential loans. The Company’s multi-family residential loans are primarily secured by multi-family properties, such as apartments and condominium buildings. Repayment depends primarily upon the cash flow of the borrower as well as the value of the real estate collateral. Commercial real estate owner-occupied loans . The Company’s commercial real estate owner-occupied loans include loans to finance commercial real estate owner occupied properties for various purposes including use as offices, warehouses, production facilities, health care facilities, retail centers, restaurants, churches and agricultural based facilities. Commercial real estate owner-occupied loans are typically repaid through the ongoing business operations of the borrower. Commercial real estate non-owner occupied loans . The Company’s commercial real estate non-owner occupied loans include loans to finance commercial real estate investment properties for various purposes including use as offices, warehouses, health care facilities, hotels, mixed-use residential/commercial, manufactured housing communities, retail centers, multifamily properties, assisted living facilities and agricultural based facilities. Commercial real estate non-owner occupied loans are typically repaid with the funds received from the sale or refinancing of the property or rental income from such property. Consumer and other loans . The Company’s consumer and other loans include loans to individuals for personal, family and household purposes, including car, boat and other recreational vehicle loans, manufactured homes (without real estate) and personal lines of credit. Consumer loans are generally secured by vehicles and other household goods, with repayment depending primarily on the cash flow of the borrower. Other loans also include loans to states and political subdivisions in the U.S. and are repaid through tax revenues or refinancing. None of these categories of loans represent a significant portion of the Company's loan portfolio. The Company's loss rate models estimate the lifetime loss rate for the pools of loan segments by combining the calculated loss rate based on each variable within the model, including the macroeconomic variables. The lifetime loss rate for the pool is then multiplied by the loan balances to determine the expected credit losses on the pool. The quantitative models require loan data and macroeconomic variables based on the inherent credit risks in each portfolio to more accurately measure the credit risks associated with each. The quantitative models pool loans with similar risk characteristics and collectively assesses the lifetime loss rate for each pool to estimate its expected credit loss. The Company considers the need to qualitatively adjust its modeled quantitative expected credit loss estimate for information not otherwise captured in the model loss estimation process. These qualitative factor adjustments may increase or decrease the Company’s estimate of expected credit losses. The Company considers the qualitative factors that are relevant to the institution as of the reporting date, which may include, but are not limited to: levels of and trends in delinquencies and performance of loans; levels of and trends in write-offs and recoveries collected; trends in volume and terms of loans; effects of any changes in reasonable and supportable economic forecasts; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and expertise; available relevant information sources that contradict the Company’s own forecast; effects of changes in prepayment expectations or other factors affecting assessments of loan contractual terms; industry conditions; and effects of changes in credit concentrations. When a loan no longer shares similar risk characteristics with other loans in any given pool, the loan is individually assessed. A loan may require an individual evaluation when it is collateral-dependent; foreclosure is probable; or it has other unique risk characteristics. A loan is deemed collateral-dependent when the borrower is experiencing financial difficulty and the repayment is expected to be primarily through sale or operation of the collateral. The allowance for credit losses for collateral-dependent loans as well as loans where foreclosure is probable is calculated as the amount for which the loan’s amortized cost basis exceeds fair value. Fair value is determined based on appraisals performed by qualified appraisers and reviewed by qualified personnel. In cases where repayment is to be provided substantially through the sale of collateral, the Company reduces the fair value by the estimated costs to sell. Effective January 1, 2023, the Company prospectively adopted the accounting guidance in ASU 2022-02, “Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures,” which eliminates the recognition and measurement of TDRs. Since adoption, the Company no longer measures an allowance for credit losses for TDRs it reasonably expects will occur, and it evaluates all loan modifications according to the accounting guidance for loan refinancing and modifications to determine whether the modification should be accounted for as a new loan or a continuation of the existing loan. The Company derecognizes the existing loan and accounts for the modified loan as a new loan if the effective yield on the modified loan is at least equal to the effective yield for comparable loans with similar collection risks and the modifications to the original loan are more than minor. If a loan modification does not meet these conditions, it extends the existing loan’s amortized cost basis and accounts for the modified loan as a continuation of the existing loan. Substantially all of its loan modifications involving borrowers experiencing financial difficulty are accounted for as a continuation of the existing loan. Prior to January 1, 2023, loans experiencing financial difficulty for which a concession has not yet been provided may be identified as reasonably expected TDRs. Reasonably expected TDRs and TDRs used the same methodology to estimate credit losses. In cases where the expected credit loss could only be captured through a discounted cash flow analysis (such as an interest rate modification for a TDR loan), the allowance was measured by the amount which the loan’s amortized cost exceeds the discounted cash flow analysis. See Note 3, “Loans and allowance for credit losses” for additional details related to the Company's allowance for credit losses. (H) Business combinations and accounting for purchase credit deteriorated loans Business combinations are accounted for by applying the acquisition method in accordance with ASC 805, “Business Combinations.” Under the acquisition method, identifiable assets acquired and liabilities assumed and any non-controlling interest in the acquiree at the acquisition date are measured at their fair values as of that date. Any excess of the purchase price over fair value of net assets acquired is recorded as goodwill. To the extent the fair value of net assets acquired, including any other identifiable intangible assets, exceeds the purchase price, a bargain purchase gain is recognized. Results of operations of acquired entities are included in the consolidated statements of income from the date of acquisition. Loans acquired in business combinations with evidence of more-than-insignificant credit deterioration since origination are considered to be PCD. The Company developed multiple criteria to assess the presence of more–than–insignificant credit deterioration in acquired loans, mainly focused on changes in credit quality and payment status. While general criteria have been established, each acquisition will vary in its specific facts and circumstances and the Company will apply judgment around PCD identification for each individual acquisition based on their unique portfolio mix and risks identified. (I) Off-balance sheet financial instruments Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded, unless considered derivatives. For loan commitments that are not accounted for as derivatives and when the obligation is not unconditionally cancellable by the Company, the Company applies the CECL methodology to estimate the expected credit loss on off-balance sheet commitments. The estimate of expected credit losses for off-balance sheet credit commitments is recognized as a liability. When the loan is funded, an allowance for expected credit losses is estimated for that loan using the CECL methodology, and the liability for off-balance sheet commitments is reduced. When applying the CECL methodology to estimate the expected credit loss, the Company considers the likelihood that funding will occur, the contractual period of exposure to credit loss, the risk of loss, historical loss experience, and current conditions along with expectations of future economic conditions. (J) Premises and equipment and other long-lived assets Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Provisions for depreciation are computed principally on the straight-line method and are charged to occupancy expense over the estimated useful lives of the assets. Maintenance agreements are amortized to expense over the period of time covered by the agreement. Costs of major additions, replacements or improvements are capitalized while expenditures for maintenance and repairs are charged to expense as incurred. For financial statement purposes, the estimated useful life for premises is the lesser of the remaining useful life per third- party appraisal or forty years, for furniture, fixtures and equipment the estimated useful life is three Premises and equipment and other long-lived assets are reviewed for impairment when events indicate their carrying amount may not be recoverable from future undiscounted cash flows. If impaired, the assets are recorded at fair value. No long-lived assets were deemed to be impaired at December 31, 2023 or 2022. (K) Other real estate owned Real estate acquired through, or in lieu of, loan foreclosure is initially recorded at fair value less the estimated cost to sell at the date of foreclosure, which may establish a new cost basis. Other real estate owned may also include excess facilities and properties held for sale as described in Note 5, “Other real estate owned.” Physical possession of residential real estate property collateralizing a consumer mortgage loan occurs when legal title is obtained upon completion of foreclosure or when the borrower conveys all interest in the property to satisfy the loan. After initial measurement, valuations are periodically performed by management and the asset is carried at the lower of carrying amount or fair value less costs to sell. Revenue and expenses from operations are included in other noninterest income and noninterest expenses. Losses due to the valuation of the property are included in gain (loss) on sales or write-downs of other real estate owned. (L) Leases The Company leases certain banking, mortgage and operations locations. The Company records leases on the balance sheet in the form of a lease liability for the present value of future minimum payments under the lease terms and a right-of-use asset equal to the lease liability adjusted for items such as deferred or prepaid rent, incentive liabilities, leasehold intangibles and any impairment of the right-of-use asset. In determining whether a contract contains a lease, management conducts an analysis at lease inception to ensure an asset was specifically identified and the Company has control of use of the asset. The Company considers a lease to be a finance lease if future minimum lease payments amount to greater than 90% of the asset's fair value or if the lease term is equal to or greater than 75% of the asset's estimated economic useful life. The Company does not record leases on the consolidated balance sheets that are classified as short term (less than one year). Additionally, the Company has not recorded equipment leases on the consolidated balance sheets as these are not material to the Company. At lease inception, the Company determines the lease term by adding together the minimum lease term and all optional renewal periods that it is reasonably certain to renew. This determination is at management's full discretion and is made through consideration of the asset, market conditions, competition and entity based economic conditions, among other factors. The lease term is used in the economic life test and also to calculate straight-line rent expense. The depreciable life of leasehold improvements is limited by the estimated lease term, including renewals. Operating leases are expensed on a straight-line basis over the life of the lease beginning when the lease commences. Rent expense and variable lease expense are included in occupancy and equipment expense on the Company's consolidated statements of income. The Company's variable lease expense includes rent escalators that are based on the Consumer Price Index or market conditions and include items such as common area maintenance, utilities, parking, property taxes, insurance and other costs associated with the lease. The Company recognizes a right-of-use asset and a finance lease liability at the lease commencement date on the estimated present value of lease payments over the lease term for finance leases. The amortization of the right-of-use asset is expensed through occupancy and equipment expense and the interest on the lease liability is expensed through interest expense on borrowings on the Company's consolidated statements of income. There are no residual value guarantees or restrictions or covenants imposed by leases that will impact the Company's ability to pay dividends or cause the Company to incur additional expenses. The discount rate used in determining the lease liability is based upon incremental borrowing rates the Company could obtain for similar loans as of the date of commencement or renewal. (M) Mortgage servicing rights The Company accounts for its mortgage servicing rights at fair value at each reporting date with changes in the fair value reported in earnings in the period in which changes occur. The Company retains the right to service certain mortgage loans that it sells to secondary market investors. These mortgage servicing rights are recognized as a separate asset on the date the corresponding mortgage loan is sold. The retained mortgage servicing right is initially recorded at the fair value of future net cash flows expected to be realized for performing servicing activities. Fair value is determined using an income approach with various assumptions including expected cash flows, prepayment speeds, market discount rates, servicing costs, and other factors. Subsequent changes in fair value, including the write-downs due to payoffs and paydowns, are recorded in earnings in Mortgage banking income. (N) Transfers of financial assets Transfers of financial assets are accounted for as sales when control over the transferred assets is surrendered. Control is generally considered to have been surrendered when 1) the transferred assets are legally isolated from the Company or its consolidated affiliates, even in bankruptcy or other receivership, 2) the transferee has the right to pledge or exchange the assets with no conditions that constrain the transferee and provide more than a trivial benefit to the Company, and 3) the Company does not maintain the obligation or unilateral ability to reclaim or repurchase the assets. If these sale criteria are met, the transferred assets are removed from the Company’s balance sheet and a gain or loss on sale is recognized on the consolidated statements of income. If not met, the transfer is recorded as a secured borrowing, and the assets remain on the Company’s consolidated balance sheets, the proceeds from the transaction are recognized as a liability, and gain or loss on sale is deferred until the sale criterion are achieved. (O) Goodwill and other intangibles Goodwill represents the excess of the purchase price over the estimated fair value of identifiable net assets associated with acquisition transactions. Goodwill is assigned to the Company’s reporting units, Banking or Mortgage, and tested for impairment annually , or more frequently if an event occurs or circumstances change that would more likely than not reduce the fair value of the reporting unit below its carrying value. As part of its testing, the Company may elect to first assess qualitative factors to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount. If the results of the qualitative assessment indicate that more likely than not a reporting unit’s fair value is less than its carrying amount, the Company determines the fair value of the respective reporting unit (through the application of various quantitative valuation methodologies) relative to i

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2023
Investments, Debt and Equity Securities [Abstract]
Investment Securities	Investment securities The following tables summarize the amortized cost, allowance for credit losses and fair value of the available-for-sale debt securities and the corresponding amounts of unrealized gains and losses recognized in accumulated other comprehensive loss at December 31, 2023 and 2022: December 31, 2023 Amortized cost Gross unrealized gains Gross unrealized losses Allowance for credit losses for investments Fair Value Investment Securities Available-for-sale debt securities U.S. government agency securities $ 204,663 $ 470 $ (1,177) $ — $ 203,956 Mortgage-backed securities - residential 1,057,389 — (160,418) — 896,971 Mortgage-backed securities - commercial 18,186 — (1,225) — 16,961 Municipal securities 263,312 370 (21,419) — 242,263 U.S. Treasury securities 111,729 — (3,233) — 108,496 Corporate securities 3,500 — (174) — 3,326 Total $ 1,658,779 $ 840 $ (187,646) $ — $ 1,471,973 December 31, 2022 Amortized cost Gross unrealized gains Gross unrealized losses Allowance for credit losses for investments Fair Value Investment Securities Available-for-sale debt securities U.S. government agency securities $ 45,167 $ — $ (5,105) $ — $ 40,062 Mortgage-backed securities - residential 1,224,522 — (190,329) — 1,034,193 Mortgage-backed securities - commercial 19,209 — (1,565) — 17,644 Municipal securities 295,375 458 (31,413) — 264,420 U.S. Treasury securities 113,301 — (5,621) — 107,680 Corporate securities 8,000 — (813) — 7,187 Total $ 1,705,574 $ 458 $ (234,846) $ — $ 1,471,186 The components of amortized cost for debt securities on the consolidated balance sheets excludes accrued interest receivable since the Company elected to present accrued interest receivable separately on the consolidated balance sheets. As of December 31, 2023 and 2022, total accrued interest receivable on debt securities was $7,212 and $5,470, respectively. Securities pledged at December 31, 2023 and 2022 had carrying amounts of $929,546 and $1,191,021, respectively, and were pledged to secure a Federal Reserve Bank line of credit, Bank Term Funding Program borrowings, public deposits and repurchase agreements. There were no holdings of debt securities of any one issuer, other than U.S. Government sponsored enterprises, in an amount greater than 10% of shareholders' equity during any period presented. Investment securities transactions are recorded as of the trade date. At December 31, 2023 and 2022, there were no trade date receivables nor payables that related to sales or purchases settled after period end. The following tables show gross unrealized losses for which an allowance for credit losses has not been recorded at December 31, 2023 and 2022, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position: December 31, 2023 Less than 12 months 12 months or more Total Fair Value Gross Unrealized Loss Fair Value Gross Unrealized Loss Fair Value Gross Unrealized Loss U.S. government agency securities $ 25,923 $ (21) $ 14,040 $ (1,156) $ 39,963 $ (1,177) Mortgage-backed securities - residential — — 896,971 (160,418) 896,971 (160,418) Mortgage-backed securities - commercial — — 16,961 (1,225) 16,961 (1,225) Municipal securities 14,480 (148) 188,669 (21,271) 203,149 (21,419) U.S. Treasury securities — — 108,496 (3,233) 108,496 (3,233) Corporate securities — — 3,326 (174) 3,326 (174) Total $ 40,403 $ (169) $ 1,228,463 $ (187,477) $ 1,268,866 $ (187,646) December 31, 2022 Less than 12 months 12 months or more Total Fair Value Gross Unrealized Loss Fair Value Gross Unrealized Loss Fair Value Gross Unrealized Loss U.S. government agency securities $ 23,791 $ (2,802) $ 16,271 $ (2,303) $ 40,062 $ (5,105) Mortgage-backed securities - residential 316,656 (32,470) 717,537 (157,859) 1,034,193 (190,329) Mortgage-backed securities - commercial 11,104 (968) 6,540 (597) 17,644 (1,565) Municipal securities 196,419 (26,811) 36,726 (4,602) 233,145 (31,413) U.S. Treasury securities 94,248 (4,122) 13,432 (1,499) 107,680 (5,621) Corporate securities 4,008 (492) 3,179 (321) 7,187 (813) Total $ 646,226 $ (67,665) $ 793,685 $ (167,181) $ 1,439,911 $ (234,846) As of December 31, 2023 and 2022, the Company’s debt securities portfolio consisted of 439 and 503 securities, 370 and 454 of which were in an unrealized loss position, respectively. The majority of the investment portfolio was either government guaranteed, an issuance of a government sponsored entity or highly rated by major credit rating agencies, and the Company has historically not recorded any credit losses associated with these investments. Municipal securities with market values below amortized cost at December 31, 2023 were reviewed for material credit events and/or rating downgrades with individual credit reviews performed. The issuers of these debt securities continue to make timely principal and interest payments under the contractual terms of the securities and the issuers will continue to be observed as a part of the Company’s ongoing credit monitoring. As such, as of December 31, 2023 and 2022, it was determined that all AFS debt securities that experienced a decline in fair value below amortized cost basis were due to noncredit-related factors. Further, it is not likely that the Company will be required to sell the securities before recovery of their amortized cost basis. Therefore, there was no allowance for credit losses recognized on AFS debt securities as of December 31, 2023 or 2022. Periodically, AFS debt securities may be sold or the composition of the portfolio realigned to improve yields, quality or marketability, or to implement changes in investment or asset/liability strategy, including maintaining collateral requirements and raising funds for liquidity purposes or preparing for anticipated changes in market interest rates. The amortized cost and fair value of debt securities by contractual maturity as of December 31, 2023 and 2022 are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. December 31, 2023 2022 Available-for-sale Available-for-sale Amortized cost Fair value Amortized cost Fair value Due in one year or less $ 64,776 $ 64,279 $ 4,277 $ 4,225 Due in one to five years 75,996 71,801 161,556 152,181 Due in five to ten years 51,162 49,630 61,290 57,859 Due in over ten years 391,270 372,331 234,720 205,084 583,204 558,041 461,843 419,349 Mortgage-backed securities - residential 1,057,389 896,971 1,224,522 1,034,193 Mortgage-backed securities - commercial 18,186 16,961 19,209 17,644 Total debt securities $ 1,658,779 $ 1,471,973 $ 1,705,574 $ 1,471,186 Sales and other dispositions of AFS debt securities were as follows: Years Ended December 31, 2023 2022 2021 Proceeds from sales $ 100,463 $ 1,218 $ 8,855 Proceeds from maturities, prepayments and calls 128,206 204,748 296,256 Gross realized gains 45 4 127 Gross realized losses 14,119 3 1 Equity Securities As of December 31, 2022, the Company had $2,990 in marketable equity securities recorded at fair value. There were no such securities outstanding as of December 31, 2023. The Company had equity securities without readily determinable market value included in “Other assets” on the consolidated balance sheets with carrying amounts of $25,191 and $22,496 at December 31, 2023 and 2022, respectively. Additionally, the Company had $34,190 and $58,641 of FHLB stock carried at cost at December 31, 2023 and 2022, respectively, included separately from the other equity securities discussed above.

Loans and Allowance for Credit

Loans and Allowance for Credit Losses on Loans HFI	12 Months Ended
	Dec. 31, 2023
Receivables [Abstract]
Loans and Allowance for Credit Losses on Loans HFI	Loans and allowance for credit losses on loans HFI Loans outstanding as of December 31, 2023 and 2022, by class of financing receivable are as follows: December 31, 2023 2022 Commercial and industrial $ 1,720,733 $ 1,645,783 Construction 1,397,313 1,657,488 Residential real estate: 1-to-4 family mortgage 1,568,552 1,573,121 Residential line of credit 530,912 496,660 Multi-family mortgage 603,804 479,572 Commercial real estate: Owner-occupied 1,232,071 1,114,580 Non-owner occupied 1,943,525 1,964,010 Consumer and other 411,873 366,998 Gross loans 9,408,783 9,298,212 Less: Allowance for credit losses on loans HFI (150,326) (134,192) Net loans $ 9,258,457 $ 9,164,020 As of December 31, 2023 and 2022, $1,030,016 and $909,734, respectively, of qualifying residential mortgage loans (including loans held for sale) and $1,984,007 and $1,763,730, respectively, of qualifying commercial mortgage loans were pledged to the FHLB system securing advances against the Bank’s line of credit. Additionally, as of December 31, 2023 and 2022, qualifying commercial and industrial, construction and consumer loans, of $3,107,495 and $3,118,172, respectively, were pledged to the Federal Reserve under the Borrower-in-Custody program. The amortized cost of loans HFI on the consolidated balance sheets exclude accrued interest receivable as the Company presents accrued interest receivable separately on the balance sheet. As of December 31, 2023 and 2022, accrued interest receivable on loans HFI amounted to $43,776 and $38,507, respectively. Credit Quality - Commercial Type Loans The Company categorizes commercial loan types into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans that share similar risk characteristics collectively. Loans that do not share similar risk characteristics are evaluated individually. The Company uses the following definitions for risk ratings: Pass. Loans rated Pass include those that are adequately collateralized performing loans which management believes do not have conditions that have occurred or may occur that would result in the loan being downgraded into an inferior category. The Pass category also includes commercial loans rated as Watch, which include those that management believes have conditions that have occurred, or may occur, which could result in the loan being downgraded to an inferior category. Special Mention. Loans rated Special Mention are those that have potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or in the institution’s credit position at some future date. Management does not believe there will be a loss of principal or interest. These loans require intensive servicing and may possess more than normal credit risk. Classified. Loans included in the Classified category include loans rated as Substandard and Doubtful. Loans rated as Substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Substandard loans have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Also included in this category are loans classified as Doubtful, which have all the weaknesses inherent in those classified as Substandard, with the added characteristic that the weakness or weaknesses make collection or liquidation in full, based on currently existing facts, conditions, and values, highly questionable and improbable. Risk ratings are updated on an ongoing basis and are subject to change by continuous loan monitoring processes. The following tables present the credit quality of the Company's commercial type loan portfolio as of December 31, 2023 and 2022 and the gross charge-offs for the year ended December 31, 2023 by year of origination. Revolving loans are presented separately. Management considers the guidance in ASC 310-20 when determining whether a modification, extension, or renewal constitutes a current period origination. Generally, current period renewals of credit are reunderwritten at the point of renewal and considered current period originations for the purposes of the tables below. Effective January 1, 2023, the Company adopted the accounting guidance in ASU 2022-02 which requires the presentation of gross charge-offs by year of origination. The Company prospectively adopted ASU 2022-02; therefore, prior period activity of gross charge-offs by year of origination are not included in the below tables. As of and for the year ended December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total Commercial and industrial Pass $ 225,734 $ 255,921 $ 151,492 $ 39,897 $ 70,302 $ 73,415 $ 839,918 $ 1,656,679 Special Mention — 17,947 3,083 — 151 108 7,549 28,838 Classified 457 4,253 3,075 3,027 254 6,129 18,021 35,216 Total 226,191 278,121 157,650 42,924 70,707 79,652 865,488 1,720,733 Current-period gross 14 7 201 22 — 87 131 462 Construction Pass 179,929 677,387 148,312 46,697 39,140 49,954 208,491 1,349,910 Special Mention 1 4,659 2,943 1,202 — 690 12,000 21,495 Classified — 2,349 1,484 6,620 — — 15,455 25,908 Total 179,930 684,395 152,739 54,519 39,140 50,644 235,946 1,397,313 Current-period gross — — — — — — — — Residential real estate: Multi-family mortgage Pass 29,982 151,495 223,889 92,745 29,933 43,479 31,209 602,732 Special Mention — — — — — — — — Classified — — — — — 1,072 — 1,072 Total 29,982 151,495 223,889 92,745 29,933 44,551 31,209 603,804 Current-period gross — — — — — — — — Commercial real estate: Owner occupied Pass 118,030 261,196 231,241 115,397 151,146 281,253 53,970 1,212,233 Special Mention — 1,297 1,827 — 154 2,617 — 5,895 Classified — 6,305 16 — 760 5,789 1,073 13,943 Total 118,030 268,798 233,084 115,397 152,060 289,659 55,043 1,232,071 Current-period gross — — 144 — — — — 144 Non-owner occupied Pass 47,026 474,560 478,878 117,429 178,448 580,168 43,577 1,920,086 Special Mention — — 3,975 — — 10,435 — 14,410 Classified — — 1,001 — 381 7,647 — 9,029 Total 47,026 474,560 483,854 117,429 178,829 598,250 43,577 1,943,525 Current-period gross — — — — — — — — Total commercial loan types Pass 600,701 1,820,559 1,233,812 412,165 468,969 1,028,269 1,177,165 6,741,640 Special Mention 1 23,903 11,828 1,202 305 13,850 19,549 70,638 Classified 457 12,907 5,576 9,647 1,395 20,637 34,549 85,168 Total $ 601,159 $ 1,857,369 $ 1,251,216 $ 423,014 $ 470,669 $ 1,062,756 $ 1,231,263 $ 6,897,446 Current-period gross $ 14 $ 7 $ 345 $ 22 $ — $ 87 $ 131 $ 606 As of December 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Loans Amortized Cost Basis Total Commercial and industrial Pass $ 396,643 $ 204,000 $ 67,231 $ 90,894 $ 39,780 $ 62,816 $ 762,717 $ 1,624,081 Special Mention 125 7 — 160 143 771 2,520 3,726 Classified 65 823 1,916 1,651 273 6,913 6,335 17,976 Total 396,833 204,830 69,147 92,705 40,196 70,500 771,572 1,645,783 Construction Pass 682,885 495,723 142,233 84,599 17,360 44,326 188,906 1,656,032 Special Mention — — 15 — — 707 — 722 Classified 80 309 — — — 345 — 734 Total 682,965 496,032 142,248 84,599 17,360 45,378 188,906 1,657,488 Residential real estate: Multi-family mortgage Pass 142,912 147,168 96,819 33,547 6,971 37,385 13,604 478,406 Special Mention — — — — — — — — Classified — — — — — 1,166 — 1,166 Total 142,912 147,168 96,819 33,547 6,971 38,551 13,604 479,572 Commercial real estate: Owner occupied Pass 237,862 223,883 110,748 148,405 66,101 246,414 57,220 1,090,633 Special Mention 101 683 — 168 2,225 1,258 5,000 9,435 Classified — 1,293 224 4,589 1,276 7,018 112 14,512 Total 237,963 225,859 110,972 153,162 69,602 254,690 62,332 1,114,580 Non-owner occupied Pass 467,360 440,319 131,497 159,205 210,752 473,607 60,908 1,943,648 Special Mention — — — — 82 2,459 — 2,541 Classified — 2,258 — 146 3,270 12,147 — 17,821 Total 467,360 442,577 131,497 159,351 214,104 488,213 60,908 1,964,010 Total commercial loan types Pass 1,927,662 1,511,093 548,528 516,650 340,964 864,548 1,083,355 6,792,800 Special Mention 226 690 15 328 2,450 5,195 7,520 16,424 Classified 145 4,683 2,140 6,386 4,819 27,589 6,447 52,209 Total $ 1,928,033 $ 1,516,466 $ 550,683 $ 523,364 $ 348,233 $ 897,332 $ 1,097,322 $ 6,861,433 Credit Quality - Consumer Type Loans For consumer and residential loan classes, the Company primarily evaluates credit quality based on delinquency and accrual status of the loan, credit documentation and by payment activity. The performing or nonperforming status is updated on an on-going basis dependent upon improvement and deterioration in credit quality. The following tables present the credit quality by classification (performing or nonperforming) of the Company's consumer type loan portfolio as of December 31, 2023 and 2022 and the gross charge-offs for the year ended December 31, 2023 by year of origination. Revolving loans are presented separately. Management considers the guidance in ASC 310-20 when determining whether a modification, extension, or renewal constitutes a current period origination. Generally, current period renewals of credit are reunderwritten at the point of renewal and considered current period originations for the purposes of the tables below. Effective January 1, 2023, the Company adopted the accounting guidance in ASU 2022-02 which requires the presentation of gross charge-offs by year of origination. The Company prospectively adopted ASU 2022-02; therefore, prior period balances for gross charge-offs by year of origination are not included in the below tables. As of and for the year ended December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total Residential real estate: 1-to-4 family mortgage Performing $ 198,537 $ 500,628 $ 399,338 $ 145,484 $ 81,905 $ 226,587 $ — $ 1,552,479 Nonperforming 76 2,565 4,026 3,846 690 4,870 — 16,073 Total 198,613 503,193 403,364 149,330 82,595 231,457 — 1,568,552 Current-period gross — 18 — 4 — 24 — 46 Residential line of credit Performing — — — — — — 528,439 528,439 Nonperforming — — — — — — 2,473 2,473 Total — — — — — — 530,912 530,912 Current-period gross — — — — — — — — Consumer and other Performing 104,399 91,557 45,187 34,928 24,040 93,833 6,890 400,834 Nonperforming 528 1,025 2,562 1,819 1,264 3,841 — 11,039 Total 104,927 92,582 47,749 36,747 25,304 97,674 6,890 411,873 Current-period gross 1,463 564 139 201 110 372 2 2,851 Total consumer type loans Performing 302,936 592,185 444,525 180,412 105,945 320,420 535,329 2,481,752 Nonperforming 604 3,590 6,588 5,665 1,954 8,711 2,473 29,585 Total $ 303,540 $ 595,775 $ 451,113 $ 186,077 $ 107,899 $ 329,131 $ 537,802 $ 2,511,337 Current-period gross $ 1,463 $ 582 $ 139 $ 205 $ 110 $ 396 $ 2 $ 2,897 As of December 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Loans Amortized Cost Basis Total Residential real estate: 1-to-4 family mortgage Performing $ 568,210 $ 448,401 $ 160,715 $ 93,548 $ 68,113 $ 211,019 $ — $ 1,550,006 Nonperforming 1,227 5,163 5,472 1,778 2,044 7,431 — 23,115 Total 569,437 453,564 166,187 95,326 70,157 218,450 — 1,573,121 Residential line of credit Performing — — — — — — 495,129 495,129 Nonperforming — — — — — — 1,531 1,531 Total — — — — — — 496,660 496,660 Consumer and other Performing 118,637 56,779 41,008 29,139 26,982 82,318 4,175 359,038 Nonperforming 166 1,396 1,460 906 1,507 2,525 — 7,960 Total 118,803 58,175 42,468 30,045 28,489 84,843 4,175 366,998 Total consumer type loans Performing 686,847 505,180 201,723 122,687 95,095 293,337 499,304 2,404,173 Nonperforming 1,393 6,559 6,932 2,684 3,551 9,956 1,531 32,606 Total $ 688,240 $ 511,739 $ 208,655 $ 125,371 $ 98,646 $ 303,293 $ 500,835 $ 2,436,779 Nonaccrual and Past Due Loans Nonperforming loans include loans that are no longer accruing interest (nonaccrual loans) and loans past due ninety or more days and still accruing interest. The following tables represent an analysis of the aging by class of financing receivable as of December 31, 2023 and 2022: December 31, 2023 30-89 days 90 days or Nonaccrual Loans current Total Commercial and industrial $ 732 $ — $ 21,730 $ 1,698,271 $ 1,720,733 Construction 6,579 165 2,872 1,387,697 1,397,313 Residential real estate: 1-to-4 family mortgage 21,768 9,355 6,718 1,530,711 1,568,552 Residential line of credit 2,464 1,337 1,136 525,975 530,912 Multi-family mortgage — — 32 603,772 603,804 Commercial real estate: Owner occupied 480 — 3,188 1,228,403 1,232,071 Non-owner occupied 4,059 — 3,351 1,936,115 1,943,525 Consumer and other 10,961 1,836 9,203 389,873 411,873 Total $ 47,043 $ 12,693 $ 48,230 $ 9,300,817 $ 9,408,783 December 31, 2022 30-89 days 90 days or Nonaccrual Loans current on payments and accruing interest Total Commercial and industrial $ 1,650 $ 136 $ 1,307 $ 1,642,690 $ 1,645,783 Construction 1,246 — 389 1,655,853 1,657,488 Residential real estate: 1-to-4 family mortgage 15,470 16,639 6,476 1,534,536 1,573,121 Residential line of credit 772 131 1,400 494,357 496,660 Multi-family mortgage — — 42 479,530 479,572 Commercial real estate: Owner occupied 1,948 — 5,410 1,107,222 1,114,580 Non-owner occupied 102 — 5,956 1,957,952 1,964,010 Consumer and other 10,108 1,509 6,451 348,930 366,998 Total $ 31,296 $ 18,415 $ 27,431 $ 9,221,070 $ 9,298,212 The following tables provide the amortized cost basis of loans on nonaccrual status, as well as any related allowance and interest income as of and for the years ended December 31, 2023 and 2022 by class of financing receivable. December 31, 2023 Nonaccrual Nonaccrual Related Year to date Interest Income Commercial and industrial $ 3,678 $ 18,052 $ 5,011 $ 2,451 Construction 2,267 605 59 335 Residential real estate: 1-to-4 family mortgage 1,444 5,274 103 410 Residential line of credit 685 451 8 141 Multi-family mortgage — 32 1 3 Commercial real estate: Owner occupied 2,920 268 15 514 Non-owner occupied 3,316 35 1 1,221 Consumer and other — 9,203 498 1,053 Total $ 14,310 $ 33,920 $ 5,696 $ 6,128 December 31, 2022 Nonaccrual Nonaccrual Related Year to date Interest Income Commercial and industrial $ 790 $ 517 $ 10 $ 181 Construction — 389 7 28 Residential real estate: 1-to-4 family mortgage 2,834 3,642 78 274 Residential line of credit 1,134 266 4 136 Multi-family mortgage 1 41 1 3 Commercial real estate: Owner occupied 5,200 210 1 232 Non-owner occupied 5,755 201 5 332 Consumer and other — 6,451 327 358 Total $ 15,714 $ 11,717 $ 433 $ 1,544 Accrued interest receivable written off as an adjustment to interest income amounted to $1,094, $1,089, and $804 for the years ended December 31, 2023, 2022, and 2021, respectively. Loan Modifications to Borrowers Experiencing Financial Difficulty Occasionally, the Company may make certain modifications of loans to borrowers experiencing financial difficulty. These modifications may be in the form of an interest rate reduction, a term extension or a combination thereof. Upon the Company's determination that a modified loan has subsequently been deemed uncollectible, the portion of the loan deemed uncollectible is charged off against the allowance for credit losses on loans HFI. The Company closely monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. During the year ended December 31, 2023, the Company modified three residential mortgage loans with balances totaling $160 and one commercial and industrial loan with a balance of $181 in the form of term extensions for borrowers experiencing financial difficulties. Troubled Debt Restructurings The following disclosure is presented in accordance with GAAP in effect prior to the adoption of ASU 2022-02. The Company has included this disclosure as of December 31, 2022 or for the years ended December 31, 2022 and 2021. Prior to the Company's adoption, the Company accounted for a modification to the contractual terms of a loan that resulted in granting a concession to a borrower experiencing financial difficulties as a TDR. The standard eliminated TDR accounting prospectively for all restructurings occurring on or after January 1, 2023. Loans that were restructured in a TDR prior to the Company's adoption will continue to be accounted for under the historical TDR accounting until the loan is paid off, liquidated or subsequently modified. See Note 1, “Basis of presentation” for more information on the Company's adoption of ASU 2022-02. The following table presents the financial effect of TDRs recorded during the periods indicated: Year Ended December 31, 2022 Number of loans Pre-modification outstanding recorded investment Post-modification outstanding recorded investment Charge offs and specific reserves Commercial and industrial 3 $ 612 $ 522 $ — Commercial real estate: Residential real estate: 1-to-4 family mortgage 3 391 707 — Residential line of credit 1 49 49 — Consumer and other 2 23 23 — Total 9 $ 1,075 $ 1,301 $ — Year Ended December 31, 2021 Number of loans Pre-modification outstanding recorded investment Post-modification outstanding recorded investment Charge offs and specific reserves Commercial and industrial 8 $ 15,430 $ 15,430 $ 446 Construction — — — — Commercial real estate: Owner occupied 7 5,209 5,209 — Non-owner occupied 1 11,997 11,997 — Residential real estate: 1-to-4 family mortgage 3 945 945 — Residential line of credit 3 485 485 — Multi-family mortgage 1 49 49 — Total 23 $ 34,115 $ 34,115 $ 446 Troubled debt restructurings for which there was a payment default within twelve months following the modification totaled $304 during both the years ended December 31, 2022 and 2021. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. Collateral-Dependent Loans For loans for which the repayment (based on the Company's assessment) is expected to be provided substantially through the operation or sale of collateral and the borrower is experiencing financial difficulty, the following tables present the loans and the corresponding individually assessed allowance for credit losses by class of financing receivable. Significant changes in individually assessed reserves are due to changes in the valuation of the underlying collateral in addition to changes in accrual and past due status. December 31, 2023 Type of Collateral Real Estate Farmland Business Assets Total Individually assessed allowance for credit loss Commercial and industrial $ — $ 363 $ 20,599 $ 20,962 $ 4,946 Construction 8,224 — — 8,224 30 Residential real estate: 1-to-4 family mortgage 5,317 — — 5,317 129 Residential line of credit 1,245 — — 1,245 10 Commercial real estate: Owner occupied 1,975 1,160 — 3,135 — Non-owner occupied 3,316 — — 3,316 — Consumer and other 112 — — 112 21 Total $ 20,189 $ 1,523 $ 20,599 $ 42,311 $ 5,136 December 31, 2022 Type of Collateral Real Estate Business Assets Total Individually assessed allowance for credit loss Commercial and industrial $ 2,596 $ — $ 2,596 $ — Residential real estate: 1-to-4 family mortgage 4,467 — 4,467 194 Residential line of credit 1,135 — 1,135 — Commercial real estate: Owner occupied 5,424 — 5,424 — Non-owner occupied 5,755 — 5,755 — Consumer and other 134 — 134 — Total $ 19,511 $ — $ 19,511 $ 194

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2023
Property, Plant and Equipment [Abstract]
Premises and Equipment	Premises and equipment Premises and equipment and related accumulated depreciation as of December 31, 2023 and 2022, are as follows: 2023 2022 Land $ 35,092 $ 32,985 Premises 112,092 109,277 Furniture, fixtures and equipment 25,734 49,203 Leasehold improvements 28,271 19,001 Construction in process 4,943 10,230 Finance lease 1,256 1,367 207,388 222,063 Less: accumulated depreciation and amortization (51,657) (75,747) Total premises and equipment $ 155,731 $ 146,316 Depreciation and amortization expense was $9,797, $7,554, and $7,411 for the years ended December 31, 2023, 2022, and 2021, respectively.

Other Real Estate Owned

Other Real Estate Owned	12 Months Ended
	Dec. 31, 2023
Real Estate [Abstract]
Other Real Estate Owned	Other real estate owned The amount reported as other real estate owned includes property acquired through foreclosure in addition to excess facilities held for sale and is carried at the lower of the carrying amount of the underlying loan or the fair value of the real estate less costs to sell. The following table summarizes the other real estate owned for the years ended December 31, 2023, 2022, and 2021: Years Ended December 31, 2023 2022 2021 Balance at beginning of period $ 5,794 $ 9,777 $ 12,111 Transfers from loans 2,736 1,437 5,262 Transfers to other assets (75) — — Transfers to premises and equipment — (351) — Proceeds from sale of other real estate owned (6,083) (4,955) (9,396) Gain on sale of other real estate owned 835 328 3,248 Loans provided for sales of other real estate owned — — (704) Write-downs and partial liquidations (15) (442) (744) Balance at end of period $ 3,192 $ 5,794 $ 9,777

Goodwill and Intangible Assets

Goodwill and Intangible Assets	12 Months Ended
	Dec. 31, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Intangible Assets	Goodwill and intangible assets Goodwill represents the excess of the cost of a business combination over the fair value of the net assets acquired. The carrying amount of goodwill was $242,561 at both December 31, 2023 and 2022. The Company’s policy is to assess goodwill for impairment at the reporting unit level on an annual basis or more frequently, if an event occurs or circumstances change which indicate that the fair value of a reporting unit is below its carrying amount. Impairment is the condition that exists when the carrying amount of the reporting unit exceeds the fair value of that reporting unit. In accordance with GAAP and due to the passage of time since the last quantitative analysis, the Company elected to perform a quantitative assessment for the year ended December 31, 2023. The assessment indicated no impairment of goodwill for either of the reporting units. Core deposit and other intangibles include core deposit intangibles and a customer base trust intangible. The composition of core deposit and other intangibles, which excludes fully amortized intangibles, as of December 31, 2023 and 2022 is as follows: Core deposit and other intangibles Gross Carrying Amount Accumulated Amortization Net Carrying Amount December 31, 2023 Core deposit intangible $ 59,835 $ (51,699) $ 8,136 Customer base trust intangible 1,600 (1,027) 573 Total core deposit and other intangibles $ 61,435 $ (52,726) $ 8,709 December 31, 2022 Core deposit intangible $ 59,835 $ (48,200) $ 11,635 Customer base trust intangible 1,600 (867) 733 Total core deposit and other intangibles $ 61,435 $ (49,067) $ 12,368 Amortization of core deposit and other intangibles totaled $3,659, $4,585, and $5,473 for the years ended December 31, 2023, 2022, and 2021, respectively. The estimated aggregate future amortization expense of core deposit and other intangibles is as follows: 2024 $ 2,946 2025 2,306 2026 1,563 2027 1,080 2028 572 Thereafter 242 $ 8,709

Leases

Leases	12 Months Ended
	Dec. 31, 2023
Leases [Abstract]
Leases	Leases As of December 31, 2023, the Company was the lessee in 54 operating leases and 1 finance lease of certain branch, mortgage and operations locations with original terms greater than one year. Many leases include options to renew, with terms that can extend the lease up to an additional 20 years or more. Certain lease agreements contain provisions to periodically adjust rental payments for inflation. Renewal options that management is reasonably certain to renew and fixed rent escalations are included in the right-of-use asset and lease liability. Information related to the Company's leases is presented below as of December 31, 2023 and 2022: December 31, Classification 2023 2022 Right-of-use assets: Operating leases Operating lease right-of-use assets $ 54,295 $ 60,043 Finance leases Premises and equipment, net 1,256 1,367 Total right-of-use assets $ 55,551 $ 61,410 Lease liabilities: Operating leases Operating lease liabilities $ 67,643 $ 69,754 Finance leases Borrowings 1,326 1,420 Total lease liabilities $ 68,969 $ 71,174 Weighted average remaining lease term (in years) - 11.6 12.1 Weighted average remaining lease term (in years) - 11.4 12.4 Weighted average discount rate - operating 3.39 % 3.08 % Weighted average discount rate - finance 1.76 % 1.76 % The components of total lease expense included in the consolidated statements of income were as follows: Years Ended December 31, Classification 2023 2022 2021 Operating lease costs: Amortization of right-of-use asset Occupancy and equipment $ 8,516 $ 8,441 $ 7,636 Short-term lease cost Occupancy and equipment 540 526 427 Variable lease cost Occupancy and equipment 1,205 1,078 1,003 Loss (gain) on lease modifications (1) 1,770 346 (805) Finance lease costs: Interest on lease liabilities Interest expense on borrowings 24 28 25 Amortization of right-of-use asset Occupancy and equipment 111 120 101 Sublease income Occupancy and equipment (957) (993) (573) Total lease cost $ 11,209 $ 9,546 $ 7,814 (1) Loss (gain) on lease modifications and terminations is included in “ Occupancy and equipment ” within the Company's consolidated statements of income for the years ended December 31, 2023 and 2021. For the year ended December 31, 2022, loss (gain) on lease modifications and terminations of $364 and $(18) is included in “ Mortgage restructuring expense ” and “ Occupancy and equipment, ” respectively, within the Company's consolidated statements of income. During the year ended December 31, 2023, the Company recorded $1,770 of loss on lease modifications and terminations primarily related to the closure of two branch locations. During the year ended December 31, 2022, the Company recorded $364 of loss on lease modifications and terminations related to vacating two locations associated with restructuring the Company's Mortgage segment and recorded gains of $18 related to early lease terminations and modifications on other vacated locations. During the year ended December 31, 2021, the Company recorded $805 in gains on lease modifications and terminations on certain vacated locations that were consolidated as a result of previous business combinations. The Company does not separate lease and non-lease components and instead elects to account for them as a single lease component. Variable lease cost primarily represents variable payments such as common area maintenance, utilities, and property taxes. A maturity analysis of operating and finance lease liabilities and a reconciliation of undiscounted cash flows to lease liabilities as of December 31, 2023 is as follows: Operating Finance Leases Lease Lease payments due: December 31, 2024 $ 8,453 $ 120 December 31, 2025 8,448 121 December 31, 2026 8,328 123 December 31, 2027 7,878 125 December 31, 2028 6,979 127 Thereafter 44,147 850 Total undiscounted future minimum lease payments 84,233 1,466 Less: imputed interest (16,590) (140) Lease liabilities $ 67,643 $ 1,326
Leases	Leases As of December 31, 2023, the Company was the lessee in 54 operating leases and 1 finance lease of certain branch, mortgage and operations locations with original terms greater than one year. Many leases include options to renew, with terms that can extend the lease up to an additional 20 years or more. Certain lease agreements contain provisions to periodically adjust rental payments for inflation. Renewal options that management is reasonably certain to renew and fixed rent escalations are included in the right-of-use asset and lease liability. Information related to the Company's leases is presented below as of December 31, 2023 and 2022: December 31, Classification 2023 2022 Right-of-use assets: Operating leases Operating lease right-of-use assets $ 54,295 $ 60,043 Finance leases Premises and equipment, net 1,256 1,367 Total right-of-use assets $ 55,551 $ 61,410 Lease liabilities: Operating leases Operating lease liabilities $ 67,643 $ 69,754 Finance leases Borrowings 1,326 1,420 Total lease liabilities $ 68,969 $ 71,174 Weighted average remaining lease term (in years) - 11.6 12.1 Weighted average remaining lease term (in years) - 11.4 12.4 Weighted average discount rate - operating 3.39 % 3.08 % Weighted average discount rate - finance 1.76 % 1.76 % The components of total lease expense included in the consolidated statements of income were as follows: Years Ended December 31, Classification 2023 2022 2021 Operating lease costs: Amortization of right-of-use asset Occupancy and equipment $ 8,516 $ 8,441 $ 7,636 Short-term lease cost Occupancy and equipment 540 526 427 Variable lease cost Occupancy and equipment 1,205 1,078 1,003 Loss (gain) on lease modifications (1) 1,770 346 (805) Finance lease costs: Interest on lease liabilities Interest expense on borrowings 24 28 25 Amortization of right-of-use asset Occupancy and equipment 111 120 101 Sublease income Occupancy and equipment (957) (993) (573) Total lease cost $ 11,209 $ 9,546 $ 7,814 (1) Loss (gain) on lease modifications and terminations is included in “ Occupancy and equipment ” within the Company's consolidated statements of income for the years ended December 31, 2023 and 2021. For the year ended December 31, 2022, loss (gain) on lease modifications and terminations of $364 and $(18) is included in “ Mortgage restructuring expense ” and “ Occupancy and equipment, ” respectively, within the Company's consolidated statements of income. During the year ended December 31, 2023, the Company recorded $1,770 of loss on lease modifications and terminations primarily related to the closure of two branch locations. During the year ended December 31, 2022, the Company recorded $364 of loss on lease modifications and terminations related to vacating two locations associated with restructuring the Company's Mortgage segment and recorded gains of $18 related to early lease terminations and modifications on other vacated locations. During the year ended December 31, 2021, the Company recorded $805 in gains on lease modifications and terminations on certain vacated locations that were consolidated as a result of previous business combinations. The Company does not separate lease and non-lease components and instead elects to account for them as a single lease component. Variable lease cost primarily represents variable payments such as common area maintenance, utilities, and property taxes. A maturity analysis of operating and finance lease liabilities and a reconciliation of undiscounted cash flows to lease liabilities as of December 31, 2023 is as follows: Operating Finance Leases Lease Lease payments due: December 31, 2024 $ 8,453 $ 120 December 31, 2025 8,448 121 December 31, 2026 8,328 123 December 31, 2027 7,878 125 December 31, 2028 6,979 127 Thereafter 44,147 850 Total undiscounted future minimum lease payments 84,233 1,466 Less: imputed interest (16,590) (140) Lease liabilities $ 67,643 $ 1,326

Mortgage Servicing Rights

Mortgage Servicing Rights	12 Months Ended
	Dec. 31, 2023
Transfers and Servicing of Financial Assets [Abstract]
Mortgage Servicing Rights	Mortgage servicing rights Changes in the Company’s mortgage servicing rights were as follows for the years ended December 31, 2023, 2022, and 2021: Years Ended December 31, 2023 2022 2021 Carrying value at beginning of period $ 168,365 $ 115,512 $ 79,997 Capitalization 7,192 20,809 39,018 Change in fair value: Due to payoffs/paydowns (12,327) (16,012) (30,583) Due to change in valuation inputs or assumptions 1,019 48,056 27,080 Carrying value at end of period $ 164,249 $ 168,365 $ 115,512 The following table summarizes servicing income and expense, which are included in “Mortgage banking income” and “Other noninterest expense,” respectively, in the consolidated statements of income for the years ended December 31, 2023, 2022, and 2021: Years Ended December 31, 2023 2022 2021 Servicing income: Servicing income $ 30,263 $ 30,763 $ 28,890 Change in fair value of mortgage servicing rights (11,308) 32,044 (3,503) Change in fair value of derivative hedging instruments (4,918) (42,143) (8,614) Servicing income 14,037 20,664 16,773 Servicing expenses 8,093 10,259 9,862 Net servicing income $ 5,944 $ 10,405 $ 6,911 Data and key economic assumptions related to the Company’s mortgage servicing rights as of December 31, 2023 and 2022 are as follows: December 31, 2023 2022 Unpaid principal balance of mortgage loans sold and serviced for others $ 10,762,906 $ 11,086,582 Weighted-average prepayment speed (CPR) 6.19 % 5.55 % Estimated impact on fair value of a 10% increase $ (4,616) $ (4,886) Estimated impact on fair value of a 20% increase $ (8,924) $ (9,447) Discount rate 9.62 % 9.10 % Estimated impact on fair value of a 100 bp increase $ (7,637) $ (8,087) Estimated impact on fair value of a 200 bp increase $ (14,624) $ (15,475) Weighted-average coupon interest rate 3.47 % 3.31 % Weighted-average servicing fee (basis points) 27 27 Weighted-average remaining maturity (in months) 334 332 The Company economically hedges the mortgage servicing rights portfolio with various derivative instruments to offset changes in the fair value of the related mortgage servicing rights. See Note 15, “Derivatives” for additional information on these hedging instruments. As of December 31, 2023 and 2022, mortgage escrow deposits totaled $63,591 and $75,612, respectively.

Other Assets and Other Liabilit

Other Assets and Other Liabilities	12 Months Ended
	Dec. 31, 2023
Other Assets And Other Liabilities [Abstract]
Other Assets and Other Liabilities	Other assets and other liabilities Included in other assets are: As of December 31, Other assets 2023 2022 Derivatives (See Note 15) 34,738 48,769 Deferred tax asset (See Note 12) 31,631 42,412 Equity securities without readily determinable market value 25,191 22,496 FHLB lender risk account receivable 20,258 19,737 Mortgage lending receivable 16,344 14,425 Pledged collateral on derivative instruments 14,042 23,325 Prepaid expenses 13,594 9,280 Current income tax receivable 5,930 7,373 Software 525 108 Other assets 41,156 40,031 Total other assets $ 203,409 $ 227,956 Included in other liabilities are: As of December 31, Other liabilities 2023 2022 Derivatives (See Note 15) 38,215 63,229 Accrued interest payable 18,809 8,648 Accrued payroll 18,406 13,592 FHLB lender risk account guaranty 9,746 9,558 Allowance for credit losses on unfunded commitments (See Note 14) 8,770 22,969 Deferred compensation 2,152 2,424 Mortgage buyback reserve (See Note 14) 899 1,621 Other liabilities 45,625 58,932 Total other liabilities $ 142,622 $ 180,973

Deposits

Deposits	12 Months Ended
	Dec. 31, 2023
Deposits [Abstract]
Deposits	Deposits As of December 31, 2023 and 2022, the aggregate amount of time deposits with a minimum denomination greater than $250 was $644,588 and $556,537, respectively. At December 31, 2023, the scheduled maturities of time deposits are as follows: Scheduled maturities of time deposits Due on or before: December 31, 2024 $ 1,279,052 December 31, 2025 309,929 December 31, 2026 14,902 December 31, 2027 10,239 December 31, 2028 6,504 Thereafter 7 Total $ 1,620,633 As of December 31, 2023 and 2022, the Company had $3,475 and $5,725, respectively, of deposit accounts in overdraft status and thus have been reclassified to loans on the accompanying consolidated balance sheets.

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2023
Debt Disclosure [Abstract]
Borrowings	Borrowings The Company has access to various sources of funds that allow for management of interest rate exposure and liquidity. The following table summarizes the Company's outstanding borrowings and weighted average interest rates as of December 31, 2023 and 2022: Outstanding Balance Weighted Average Interest Rate December 31, December 31, 2023 2022 2023 2022 Securities sold under agreements to repurchase $ 108,764 $ 86,945 5.05 % 3.78 % FHLB advances — 175,000 — % 4.44 % Bank Term Funding Program 130,000 — 4.85 % — % Subordinated debt, net 129,645 126,101 5.52 % 5.31 % Other borrowings 22,555 27,631 0.10 % 0.09 % Total $ 390,964 $ 415,677 Securities sold under agreements to repurchase and federal funds purchased Securities sold under agreements to repurchase are financing arrangements that mature daily. Securities sold under agreements to repurchase totaled $19,328 and $21,945 as of December 31, 2023 and 2022, respectively. The weighted average interest rate of the Company's securities sold under agreements to repurchase was 1.60% and 0.18% as of December 31, 2023 and 2022, respectively. The fair value of securities pledged to secure repurchase agreements may decline. The Company manages this risk by having a policy to pledge securities valued at 100% of the outstanding balance of repurchase agreements. The Bank maintains lines with certain correspondent banks that provide borrowing capacity in the form of federal funds purchased. Federal funds purchased are short-term borrowings that typically mature within one to ninety days. As of December 31, 2023 and 2022, the aggregate total borrowing capacity under these lines amounted to $370,000 and $350,000, respectively. As of December 31, 2023 and 2022, borrowings against these lines (i.e., federal funds purchased) totaled $89,436 and $65,000 with a weighted average rate of 5.79% and 5.00%, respectively. Information concerning securities sold under agreement to repurchase and federal funds purchased is summarized as follows: December 31, 2023 December 31, 2022 Balance at year end $ 108,764 $ 86,945 Average daily balance during the year 29,860 28,497 Average interest rate during the year 2.24 % 0.23 % Maximum month-end balance during the year $ 116,220 $ 86,945 Weighted average interest rate at year-end 5.05 % 3.78 % Federal Home Loan Bank Advances As a member of the FHLB, the Company may utilize advances from the FHLB in order to provide additional liquidity and funding. Under these short-term agreements, the Company maintains a line of credit that as of December 31, 2023 and 2022 had total borrowing capacity of $1,757,702 and $1,270,240, respectively. As of December 31, 2023 and 2022, the Company had qualifying loans pledged as collateral securing these lines amounting to $3,014,023 and $2,673,464, respectively. Overnight cash advances against this line totaled $175,000 as of December 31, 2022. There were no FHLB advances outstanding as of December 31, 2023. Information concerning FHLB advances as of or for the years ended December 31, 2023 and 2022 is summarized within the table below. December 31, 2023 December 31, 2022 Balance at year end $ — $ 175,000 Average daily balance during the year 28,973 171,142 Average interest rate during the year 5.13 % 3.26 % Maximum month-end balance during the year $ 125,000 $ 540,000 Weighted average interest rate at year-end — % 4.44 % Bank Term Funding Program In March 2023, the Federal Reserve established the Bank Term Funding Program to make available funding to eligible depository institutions in order to help ensure they have the ability to meet the needs of their depositors following the March 2023 high-profile bank failures. The program allows for advances for up to one year secured by eligible high-quality securities at par value extended at the one-year overnight index swap rate, plus 10 basis points, as of the day the advance is made. The interest rate is fixed for the term of the advance and there are no prepayment penalties. At December 31, 2023, the Company had outstanding borrowings of $130,000 under the BTFP at a borrowing rate of 4.85% and a maturity date of December 26, 2024. Information concerning the Bank Term Funding Program as of or for the year ended December 31, 2023 is summarized within the table below. December 31, 2023 Balance at year end $ 130,000 Average daily balance during the year 1,781 Average interest rate during the year 4.85 % Maximum month-end balance during the year $ 130,000 Weighted average interest rate at year-end 4.85 % Subordinated Debt During the year ended December 31, 2003, two separate trusts were formed by the Company, which issued $9,000 and $21,000 of floating rate trust preferred securities as part of a pooled offering of such securities. The Company issued junior subordinated debentures of $9,280, which included proceeds of common securities purchased by the Company of $280, and junior subordinated debentures of $21,650, which included proceeds of common securities of $650. The trusts were created for the sole purpose of issuing 30-year capital trust preferred securities to fund the purchase of junior subordinated debentures issued by the Company. Both issuances were to the trusts in exchange for the proceeds of the securities offerings, which represent the sole asset of the trusts. Additionally, during the year ended December 31, 2020, the Company placed $100,000 of ten year fixed-to-floating rate subordinated notes, maturing September 1, 2030. During the year ended December 31, 2022, the Company began mitigating interest rate exposure associated with these notes through the use of fair value hedging instruments. See Note 15, "Derivatives" for additional details related to these instruments. Further information related to the Company's subordinated debt as of December 31, 2023 is detailed below: Name Year Established Maturity Call Date Total Debt Outstanding Interest Rate Coupon Structure Subordinated Debt issued by Trust Preferred Securities: FBK Trust I (1) 2003 06/09/2033 6/09/2008 $ 9,280 8.84% 3-month SOFR plus 3.51% FBK Trust II (1) 2003 06/26/2033 6/26/2008 21,650 8.77% 3-month SOFR plus 3.41% Additional Subordinated Debt: FBK Subordinated Debt I (2) 2020 09/01/2030 9/1/2025 100,000 4.50% Semi-annual Fixed (3) Unamortized debt issuance costs (612) Fair Value Hedge (See Note 15, “ Derivatives ” ) (673) Total Subordinated Debt, net $ 129,645 (1) The Company classifies $30,000 of the trusts' subordinated debt as Tier 1 capital. (2) The Company classified the issuance, net of unamortized issuance costs and the associated fair value hedge as Tier 2 capital, which will be phased out 20% per year in the final five years before maturity. (3) Beginning on September 1, 2025 the coupon structure migrates to the 3-month SOFR plus a spread of 439 basis points through the end of the term of the debenture. Other Borrowings As of December 31, 2023 and 2022, other borrowings included a finance lease liability amounting to $1,326 and $1,420, respectively. Additionally, as of December 31, 2023 and 2022, the Company had $21,229 and $26,211, respectively, of government guaranteed GNMA loans that were greater than 90 days delinquent under their contractual terms that were eligible for optional repurchase and recorded in both loans HFS and other borrowings.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2023
Income Tax Disclosure [Abstract]
Income Taxes	Income taxes An allocation of federal and state income taxes between current and deferred portions is presented below: Years Ended December 31, 2023 2022 2021 Current $ 31,467 $ 22,451 $ 21,980 Deferred (1,415) 12,552 30,770 Total $ 30,052 $ 35,003 $ 52,750 The following table presents a reconciliation of federal income taxes at the statutory federal rate of 21% to the Company's effective tax rates for the years ended December 31, 2023, 2022, and 2021: Years Ended December 31, 2023 2022 2021 Federal taxes calculated at statutory rate $ 31,561 21.0 % $ 33,510 21.0 % $ 51,041 21.0 % (Decrease) increase resulting from: State taxes, net of federal benefit (158) (0.1) % 3,845 2.4 % 8,788 3.5 % Expense (benefit) from equity based compensation 219 0.1 % (392) (0.2) % (2,719) (1.1) % Municipal interest income, net of interest disallowance (1,804) (1.2) % (1,774) (1.1) % (1,818) (0.8) % Bank-owned life insurance (393) (0.3) % (305) (0.2) % (324) (0.1) % NOL Carryback provision under CARES Act — — % — — % (3,424) (1.4) % Offering costs — — % — — % 123 0.1 % Section 162(m) limitation 244 0.2 % 241 0.1 % 1,381 0.6 % Other 383 0.3 % (122) (0.1) % (298) (0.1) % Income tax expense, as reported $ 30,052 20.0 % $ 35,003 21.9 % $ 52,750 21.7 % The Company is subject to Internal Revenue Code Section 162(m), which limits the deductibility of compensation paid to certain individuals. It is the Company’s policy to apply the Section 162(m) limitations to stock-based compensation first followed by cash compensation. As a result of the vesting of this stock-based compensation and cash compensation paid to date, the Company has disallowed a portion of its compensation paid to the applicable individuals. The components of the deferred tax assets and liabilities at December 31, 2023 and 2022, are as follows: December 31, 2023 2022 Deferred tax assets: Allowance for credit losses $ 39,228 $ 38,646 Operating lease liabilities 24,607 25,882 Net operating loss 805 1,088 Amortization of core deposit intangibles 1,135 653 Deferred compensation 7,433 5,245 Unrealized loss on debt securities 48,714 61,004 Other assets 4,863 6,691 Subtotal 126,785 139,209 Deferred tax liabilities: FHLB stock dividends $ (263) $ (484) Operating leases - right of use assets (21,312) (24,478) Depreciation (5,996) (7,274) Unrealized gain on equity securities (2,122) (2,287) Unrealized gain on cash flow hedges (151) (327) Mortgage servicing rights (42,797) (43,869) Goodwill (17,995) (15,869) Other liabilities (4,518) (2,209) Subtotal (95,154) (96,797) Net deferred tax assets $ 31,631 $ 42,412

Dividend Restrictions

Dividend Restrictions	12 Months Ended
	Dec. 31, 2023
Disclosure of Restrictions on Dividends, Loans and Advances Disclosure [Abstract]
Dividend Restrictions	Dividend restrictions Due to regulations of the Tennessee Department of Financial Institutions, the Bank may not declare dividends in any calendar year that exceeds the total of its net income of that year combined with its retained net income of the preceding two years without the prior approval of the TDFI Commissioner. Based upon this regulation, $218,415 and $161,251 was available for payment of dividends without such prior approval as of December 31, 2023 and 2022, respectively. In addition, dividends paid by the Bank to the Company would be prohibited if the effect thereof would cause the Bank’s capital to be reduced below applicable minimum capital requirements. During both the years ended December 31, 2023 and 2022, there were $49,000 in cash dividends declared and paid from the Bank to the Company. During the year ended December 31, 2021, there were $122,500 in cash dividends declared and paid from the Bank to the Company.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2023
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and contingencies Commitments to extend credit and letters of credit Some financial instruments, such as loan commitments, credit lines and letters of credit, are issued to meet customer financing needs. These unfunded loan commitment agreements provide credit or support the credit of others, as long as conditions established in the contract are met, and usually have expiration dates. The same credit and underwriting policies the Company uses to evaluate and underwrite loans are also used to originate unfunded loan commitments, including obtaining collateral at exercise of the commitment. These unfunded loan commitments are only recorded in the consolidated financial statements when drawn upon and many expire without being used. The Company's maximum off-balance sheet exposure to credit loss from these unfunded loan commitments is represented by the contractual amount of these instruments. December 31, 2023 2022 Commitments to extend credit, excluding interest rate lock commitments $ 2,906,016 $ 3,563,982 Letters of credit 77,055 71,250 Balance at end of period $ 2,983,071 $ 3,635,232 As of December 31, 2023 and 2022, unfunded loan commitments included above with floating interest rates totaled $2,459,669 and $2,961,683, respectively. As part of its credit loss process, the Company estimates expected credit losses on its unfunded loan commitments under the CECL methodology. When applying this methodology, the Company considers the likelihood that funding will occur, the contractual period of exposure to credit loss, the risk of loss, historical loss experience, and current conditions along with expectations of future economic conditions. The table below presents activity within the allowance for credit losses on unfunded loan commitments included in accrued expenses and other liabilities on the Company's consolidated balance sheets: Years Ended December 31, 2023 2022 2021 Balance at beginning of period $ 22,969 $ 14,380 $ 16,378 (Reversal of) provision for credit losses on unfunded commitments (14,199) 8,589 (1,998) Balance at end of period $ 8,770 $ 22,969 $ 14,380 Loan repurchases or indemnifications In connection with the sale of mortgage loans to third-party private investors or government sponsored agencies, the Company makes representations and warranties as to the propriety of its origination activities, which are typical and customary to these types of transactions. Occasionally, the investors require the Company to repurchase loans sold to them under the terms of the warranties. When this happens, the loans are recorded at fair value in loans held for investment. The total principal amount of loans repurchased (or indemnified for) was $8,552, $7,834 and $7,364 for years ended December 31, 2023, 2022, and 2021, respectively. The Company has established a reserve associated with potential loan repurchases. The following table summarizes the activity in the repurchase reserve included in “Accrued expenses and other liabilities” on the Company's consolidated balance sheets: Years Ended December 31, 2023 2022 2021 Balance at beginning of period $ 1,621 $ 4,802 $ 5,928 Provision for loan repurchases or indemnifications (650) (2,989) (766) Losses on loans repurchased or indemnified (72) (192) (360) Balance at end of period $ 899 $ 1,621 $ 4,802 Legal Proceedings Various legal claims arise from time to time in the normal course of business, which, in the opinion of management, will not have a material effect on the Company’s consolidated financial statements.

Derivatives

Derivatives	12 Months Ended
	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivatives	Derivatives The Company utilizes derivative financial instruments as part of its ongoing efforts to manage its interest rate risk exposure as well as interest rate exposure for its customers. Derivative financial instruments are included in the consolidated balance sheets line items “Other assets” or “Other liabilities” at fair value in accordance with ASC 815, “Derivatives and Hedging.” See Note 1, “Basis of presentation,” for additional information on the Company’s accounting policies related to derivative instruments and hedging activities. Derivatives designated as fair value hedges The Company enters into fair value hedging relationships using interest rates swaps to mitigate the Company’s exposure to losses in market value as interest rates change. Derivative instruments that are used as part of the Company’s interest rate risk management strategy include interest rate swaps that relate to pricing of specific balance sheet assets and liabilities. Interest rate swaps generally involve the exchange of fixed and variable rate interest payments between two parties, based on a common notional principal amount and maturity date. The critical terms of the interest rate swaps match the terms of the corresponding hedged items. All components of each derivative instrument’s gain or loss are included in the assessment of hedge effectiveness. Any initial and ongoing assessment of expected hedge effectiveness is based on regression analysis. December 31, 2023 December 31, 2022 Remaining Maturity (In Years) Receive Fixed Rate Pay Floating Rate Notional Amount Estimated fair value Notional Amount Estimated fair value Derivatives included in other Interest rate swap 0.64 1.50% SOFR 75,000 (1,686) 75,000 (3,693) Interest rate swap 0.64 1.50% SOFR 125,000 (2,811) 125,000 (6,154) Interest rate swap 0.17 1.46% SOFR 100,000 (673) 100,000 (3,830) Total 0.49 1.48% $ 300,000 $ (5,170) $ 300,000 $ (13,677) The following discloses the amount of expense included in interest expense on borrowings and deposits, related to these fair value hedging instruments: Years Ended December 31, 2023 2022 Designated fair value hedge: Interest expense on deposits $ (7,176) $ (717) Interest expense on borrowings (3,630) (395) Total $ (10,806) $ (1,112) The following amounts were recorded on the balance sheet related to cumulative adjustments of fair value hedges as of the dates presented: Carrying Amount of the Hedged Item Cumulative Decrease in Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Item Line item on the balance sheet December 31, 2023 December 31, 2022 December 31, 2023 December 31, 2022 Money market and savings deposits $ 198,143 $ 196,520 (1) $ (4,497) $ (9,847) Borrowings 98,715 95,171 (2) (673) (3,830) Total $ 296,858 $ 291,691 $ (5,170) $ (13,677) (1) The carrying value also includes an unaccreted purchase accounting fair value premium of $2,640 and $6,367 as of December 31, 2023 and 2022, respectively. (2) The carrying value also includes unamortized subordinated debt issuance costs of $612 and $999 as of December 31, 2023 and 2022, respectively. Derivatives designated as cash flow hedges The Company enters into cash flow hedging relationships using interest rate swaps to mitigate the exposure to the variability in future cash flows or other forecast transactions associated with its floating rate assets and liabilities. The Company uses interest rate swap agreements to hedge the repricing characteristics of its floating rate subordinated debt. All components of each derivative instrument’s gain or loss are included in the assessment of hedge effectiveness. Any initial and ongoing assessment of expected hedge effectiveness is based on regression analysis. The ongoing periodic measures of hedge ineffectiveness are based on the expected change in cash flows of the hedged item caused by changes in the benchmark interest rate. The following presents a summary of the Company's designated cash flow hedges as of the dates presented: December 31, 2023 December 31, 2022 Notional Amount Estimated fair value Balance sheet location Estimated fair value Balance sheet location Interest rate swap agreements- $ 30,000 $ 579 Other assets $ 1,255 Other assets The Company's consolidated statements of income included income of $985 for the year ended December 31, 2023 and expense of $93 and $577 for the years ended December 31, 2022 and 2021, respectively, in interest expense on borrowings related to these cash flow hedges. The cash flow hedges were highly effective during the periods presented and as a result qualified for hedge accounting treatment. As such, no amounts were reclassified from accumulated other comprehensive loss into earnings as a result of hedge ineffectiveness during any period presented. The following discloses the amount included in other comprehensive (loss) income, net of tax, for derivative instruments designated as cash flow hedges for the periods presented: Years Ended December 31, 2023 2022 2021 Amount of (loss) gain recognized in other comprehensive (loss) income, net of tax (benefit) expense of $(176), $532 and $293 $ (500) $ 1,508 $ 831 Derivatives not designated as hedging instruments Derivatives not designated under hedge accounting rules include those that are entered into as either economic hedges as part of the Company’s overall risk management strategy or to facilitate client needs. Economic hedges are those that are not designated as a fair value or cash flow hedge for accounting purposes but are necessary to economically manage the risk exposure associated with the assets and liabilities of the Company. The Company enters into derivative instruments to help its commercial customers manage their exposure to interest rate fluctuations. To mitigate the interest rate risk associated with customer contracts, the Company enters into an offsetting derivative contract. The Company manages its credit risk, or potential risk of default by its commercial customers through credit limit approval and monitoring procedures. The Company enters into interest rate-lock commitments on residential loan commitments that will be held for resale. These are considered derivative instruments with no hedge accounting designation, and the interest rate exposure on these commitments is economically hedged primarily with forward contracts. Gains and losses arising from changes in the valuation of the interest rate-lock commitments and forward commitments are recognized currently in earnings and are reflected under the line item “Mortgage banking income” in the consolidated statements of income. The Company also enters into forwards, futures and option contracts to economically hedge the change in fair value of mortgage servicing rights. Gains and losses associated with these instruments are included in earnings and are reflected under the line item “Mortgage banking income” in the consolidated statements of income. The following tables provide details on the Company’s non-designated derivative financial instruments as of the dates presented: December 31, 2023 Notional Amount Asset Liability Interest rate contracts $ 569,865 $ 32,179 $ 32,184 Forward commitments 159,000 — 861 Interest rate-lock commitments 69,217 1,203 — Futures contracts 254,000 777 — Total $ 1,052,082 $ 34,159 $ 33,045 December 31, 2022 Notional Amount Asset Liability Interest rate contracts $ 560,310 $ 45,775 $ 45,762 Forward commitments 207,000 306 — Interest rate-lock commitments 118,313 1,433 — Futures contracts 494,300 — 3,790 Total $ 1,379,923 $ 47,514 $ 49,552 (Losses) gains included in the consolidated statements of income related to the Company’s non-designated derivative financial instruments were as follows: Years Ended December 31, 2023 2022 2021 Included in mortgage banking income: Interest rate lock commitments $ (230) $ (5,764) $ (27,194) Forward commitments 953 55,804 25,661 Futures contracts (3,366) (36,381) (7,949) Option contracts (1,125) 36 — Total $ (3,768) $ 13,695 $ (9,482) Netting of Derivative Instruments Certain financial instruments, including derivatives, may be eligible for offset on the consolidated balance sheets when the “right of offset” exists or when the instruments are subject to an enforceable master netting agreement, which includes the right of the non-defaulting party or non-affected party to offset recognized amounts, including collateral posted with the counterparty, to determine a net receivable or net payable upon early termination of the agreement. Certain of the Company’s derivative instruments are subject to master netting agreements, however the Company has not elected to offset such financial instruments on the consolidated balance sheets. The following table presents the Company's gross derivative positions as recognized on the consolidated balance sheets as well as the net derivative positions, including collateral pledged to the extent the application of such collateral did not reduce the net derivative liability position below zero, had the Company elected to offset those instruments subject to an enforceable master netting agreement: Gross amounts not offset on the consolidated balance sheets Gross amounts recognized Gross amounts offset on the consolidated balance sheets Net amounts presented on the consolidated balance sheets Financial instruments Financial collateral pledged Net Amount December 31, 2023 Derivative financial assets $ 31,468 $ — $ 31,468 $ 6,502 $ — $ 24,966 Derivative financial liabilities $ 11,330 $ — $ 11,330 $ 6,502 $ 4,828 $ — December 31, 2022 Derivative financial assets $ 44,273 $ — $ 44,273 $ 14,229 $ — $ 30,044 Derivative financial liabilities $ 20,251 $ — $ 20,251 $ 14,229 $ 6,022 $ — Collateral Requirements Most derivative contracts with customers are secured by collateral. Additionally, in accordance with the interest rate agreements with derivative counterparties, the Company may be required to post collateral with these derivative counterparties. As of December 31, 2023 and 2022, the Company had collateral posted of $14,042 and $23,325, respectively, against its obligations under these agreements. Cash pledged as collateral on derivative contracts is recorded in “Other assets” on the consolidated balance sheets.

Fair Value of Financial Instrum

Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2023
Fair Value Disclosures [Abstract]
Fair Value of Financial Instruments	Fair value of financial instruments FASB ASC 820-10 defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. ASC 820-10 also establishes a framework for measuring the fair value of assets and liabilities according to a hierarchy that prioritizes the inputs to valuation techniques used to measure fair value into three broad levels. The fair value hierarchy gives the highest priority to quoted prices in active markets for identical assets and liabilities (Level 1) and the lowest priority to unobservable inputs (Level 3). The hierarchy maximizes the use of observable inputs and minimizes the use of unobservable inputs by requiring that the most observable inputs be used when available. Observable inputs are inputs that market participants would use in pricing the asset or liability based on market data obtained from sources independent of the Company. Unobservable inputs are inputs that are derived from assumptions based on management’s estimate of assumptions that market participants would use in pricing the asset or liability based on the best information available under the circumstances. The hierarchy is broken down into the following three levels, based on the reliability of inputs: Level 1: Unadjusted quoted prices in active markets for identical assets or liabilities that are accessible at the measurement date. Level 2: Significant other observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active or other inputs that are observable or can be corroborated by observable market data. Level 3: Significant unobservable inputs for assets or liabilities that are derived from assumptions based on management’s estimate of assumptions that market participants would use in pricing the assets or liabilities. The Company records the fair values of financial assets and liabilities on a recurring and nonrecurring basis using the following methods and assumptions: Investment securities Investment securities are recorded at fair value on a recurring basis. Fair values for securities are based on quoted market prices, where available. If quoted prices are not available, fair values are based on quoted market prices of similar instruments or are determined by matrix pricing, which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the pricing relationship or correlation among other benchmark quoted securities. Investment securities valued using quoted market prices of similar instruments or that are valued using matrix pricing are classified as Level 2. When significant inputs to the valuation are unobservable, the available-for-sale debt securities are classified within Level 3 of the fair value hierarchy. Where no active market exists for a security or other benchmark securities, fair value is estimated by the Company with reference to discount margins for other high-risk securities. Loans held for sale Mortgage loans held for sale are carried at fair value determined using current secondary market prices for loans with similar characteristics, that is, using Level 2 inputs. GNMA optional repurchase loans recorded as held for sale loans are carried at their principal balance. For commercial loans held for sale, fair value is determined using an income approach with various assumptions including expected cash flows, market discount rates, credit metrics and collateral value when appropriate. As such, these are considered Level 3. Derivatives The fair value of the Company's interest rate swap agreements to facilitate customer transactions are based upon fair values provided from entities that engage in interest rate swap activity and is based upon projected future cash flows and interest rates. The fair value of interest rate lock commitments associated with the mortgage pipeline is based on fees currently charged to enter into similar agreements, and for fixed-rate commitments, the difference between current levels of interest rates and the committed rates is also considered. The fair values of the Company's designated cash flow and fair value hedges are determined by calculating the difference between the discounted fixed rate cash flows and the discounted variable rate cash flows. The fair values of both the Company's hedges, including designated cash flow hedges and designated fair value hedges are based on pricing models that utilize observable market inputs. These financial instruments are classified as Level 2. OREO OREO is comprised of commercial and residential real estate obtained in partial or total satisfaction of loan obligations and excess land and facilities held for sale. OREO acquired in settlement of indebtedness is recorded at the lower of the carrying amount of the loan or the fair value of the real estate less costs to sell. Fair value is determined on a nonrecurring basis based on appraisals by qualified licensed appraisers and is adjusted for management’s estimates of costs to sell and holding period discounts. The valuations are classified as Level 3. Mortgage servicing rights MSRs are carried at fair value. Fair value is determined using an income approach with various assumptions including expected cash flows, market discount rates, prepayment speeds, servicing costs, and other factors. As such, MSRs are considered Level 3. Collateral- dependent loans Collateral-dependent loans are loans for which, based on current information and events, the Company has determined foreclosure of the collateral is probable, or where the borrower is experiencing financial difficulty and the Company expects repayment of the loan to be provided substantially through the operation or sale of the collateral and it is probable that the creditor will be unable to collect all amounts due according to the contractual terms of the loan agreement. Collateral-dependent loans are classified as Level 3. The balances and levels of the assets and liabilities measured at fair value on a recurring basis as of December 31, 2023 and 2022 are presented in the following tables: At December 31, 2023 Quoted prices Significant Significant unobservable Total Recurring valuations: Financial assets: Available-for-sale securities: U.S. government agency securities $ — $ 203,956 $ — $ 203,956 Mortgage-backed securities - residential — 896,971 — 896,971 Mortgage-backed securities - commercial — 16,961 — 16,961 Municipal securities — 242,263 — 242,263 U.S. Treasury securities — 108,496 — 108,496 Corporate securities — 3,326 — 3,326 Total securities $ — $ 1,471,973 $ — $ 1,471,973 Loans held for sale, at fair value $ — $ 46,618 $ — $ 46,618 Mortgage servicing rights — — 164,249 164,249 Derivatives — 34,738 — 34,738 Financial Liabilities: Derivatives — 38,215 — 38,215 At December 31, 2022 Quoted prices Significant Significant unobservable Total Recurring valuations: Financial assets: Available-for-sale securities: U.S. government agency securities $ — $ 40,062 $ — $ 40,062 Mortgage-backed securities - residential — 1,034,193 — 1,034,193 Mortgage-backed securities - commercial — 17,644 — 17,644 Municipal securities — 264,420 — 264,420 U.S. Treasury securities — 107,680 — 107,680 Corporate securities — 7,187 — 7,187 Equity securities, at fair value — 2,990 — 2,990 Total securities $ — $ 1,474,176 $ — $ 1,474,176 Loans held for sale, at fair value $ — $ 82,750 $ 30,490 $ 113,240 Mortgage servicing rights — — 168,365 168,365 Derivatives — 48,769 — 48,769 Financial Liabilities: Derivatives — 63,229 — 63,229 The balances and levels of the assets measured at fair value on a nonrecurring basis as of December 31, 2023 and 2022 are presented in the following tables: At December 31, 2023 Quoted prices Significant Significant unobservable Total Nonrecurring valuations: Financial assets: Other real estate owned $ — $ — $ 2,400 $ 2,400 Collateral-dependent net loans held for Commercial and industrial — — 12,338 12,338 Construction — — 203 203 Residential real estate: 1-4 family mortgage $ — $ — $ 429 $ 429 Consumer and other — — 71 71 Total collateral-dependent loans $ — $ — $ 13,041 $ 13,041 At December 31, 2022 Quoted prices Significant Significant unobservable Total Nonrecurring valuations: Financial assets: Other real estate owned $ — $ — $ 2,497 $ 2,497 Collateral-dependent net loans held for Residential real estate: 1-4 family mortgage $ — $ — $ 366 $ 366 Commercial real estate: Non-owner occupied — — 2,494 2,494 Total collateral-dependent loans $ — $ — $ 2,860 $ 2,860 Commercial loans held for sale As of December 31, 2022, the Company had a portfolio of acquired commercial loans. There were no such loans outstanding as of December 31, 2023. These commercial loans were measured at fair value. As such, these loans were excluded from the ACL. The following tables set forth the changes in fair value associated with this portfolio for the years ended December 31, 2023, 2022, and 2021: Year Ended December 31, 2023 Principal Balance Fair Value Discount Fair Value Carrying value at beginning of period $ 34,357 $ (3,867) $ 30,490 Change in fair value: Paydowns and payoffs (28,376) — (28,376) Write-offs to discount (5,981) 5,981 — Changes in valuation included in other noninterest income — (2,114) (2,114) Carrying value at end of period $ — $ — $ — Year Ended December 31, 2022 Principal balance Fair Value discount Fair Value Carrying value at beginning of period $ 86,762 $ (7,463) $ 79,299 Change in fair value: Paydowns and payoffs (43,676) — (43,676) Write-offs to discount (8,729) 8,729 — Changes in valuation included in other noninterest income — (5,133) (5,133) Carrying value at end of period $ 34,357 $ (3,867) $ 30,490 Year Ended December 31, 2021 Principal balance Fair Value discount Fair Value Carrying value at beginning of period $ 239,063 $ (23,660) $ 215,403 Change in fair value: Paydowns and payoffs (141,002) — (141,002) Write-offs to discount (8,563) 8,563 — Changes in valuation included in other noninterest income (2,736) 7,634 4,898 Carrying value at end of period $ 86,762 $ (7,463) $ 79,299 In addition to the gain of $4,898 recognized on the change in fair value of the portfolio during the year ended December 31, 2021, the Company recognized an additional gain of $6,274 related to the payoff of a loan that had been partially charged off prior to acquisition of the portfoli o. The significant unobservable inputs (Level 3) used in the valuation and changes in fair value associated with the Company's mortgage servicing rights for the years ended December 31, 2023, 2022, and 2021 are detailed at Note 8, “Mortgage servicing rights.” The following tables present information as of December 31, 2023 and 2022 about significant unobservable inputs (Level 3) used in the valuation of assets measured at fair value on a nonrecurring basis: December 31, 2023 Financial instrument Fair Value Valuation technique Significant Range of Collateral-dependent net loans $ 13,041 Valuation of collateral Discount for comparable sales 10%-61% Other real estate owned $ 2,400 Appraised value of property less costs to sell Discount for costs to sell 0%-15% December 31, 2022 Financial instrument Fair Value Valuation technique Significant Range of Collateral-dependent net loans $ 2,860 Valuation of collateral Discount for comparable sales 10%-35% Other real estate owned $ 2,497 Appraised value of property less costs to sell Discount for costs to sell 0%-15% Fair value for collateral-dependent loans is determined based on appraisals performed by qualified appraisers and reviewed by qualified personnel. Fair value of the loan's collateral is determined by third-party appraisals, which are then adjusted for estimated selling and closing costs related to liquidation of the collateral. Collateral-dependent loans are reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly, based on changes in market conditions from the time of valuation and management's knowledge of the borrower and borrower's business. As of December 31, 2023 and 2022, total amortized cost of collateral-dependent loans measured on a nonrecurring basis amounted to $18,166 and $3,054, respectively. The allowance for credit losses is calculated as the amount for which the loan’s amortized cost basis exceeds fair value. Other real estate owned acquired in settlement of indebtedness is recorded at fair value of the real estate less estimated costs to sell. Subsequently, it may be necessary to record nonrecurring fair value adjustments for declines in fair value. Any write-downs based on the asset's fair value at the date of foreclosure are charged to the allowance for credit losses. Appraisals for both collateral-dependent loans and other real estate owned are performed by certified appraisers whose qualifications and licenses have been reviewed and verified by the Company. Once received, a member of the lending administrative department reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry wide statistics. Collateral-dependent loans that are dependent on recovery through sale of equipment, such as farm equipment, automobiles and aircrafts are generally valued based on public source pricing or subscription services while more complex assets are valued through leveraging brokers who have expertise in the collateral involved. Fair value option The following table summarizes the Company's loans held for sale as of the dates presented: December 31, 2023 2022 Loans held for sale under a fair value option: Commercial loans held for sale $ — $ 30,490 Mortgage loans held for sale 46,618 82,750 Total loans held for sale, at fair value 46,618 113,240 Loans held for sale not accounted for under a fair value option: Mortgage loans held for sale - guaranteed GNMA repurchase option 21,229 26,211 Total loans held for sale $ 67,847 $ 139,451 Mortgage loans held for sale Net losses of $121, $13,677, and $16,976 resulting from fair value changes of mortgage loans were recorded in income during the years ended December 31, 2023, 2022, and 2021, respectively. The amount does not reflect changes in fair values of related derivative instruments used to hedge exposure to market-related risks associated with these mortgage loans. The net change in fair value of these loans held for sale and derivatives resulted in net losses of $1,815, $17,633, and $33,284 for the years ended December 31, 2023, 2022, and 2021, respectively. The change in fair value of both loans held for sale and the related derivative instruments are recorded in “Mortgage banking income” in the consolidated statements of income. Election of the fair value option allows the Company to reduce the accounting volatility that would otherwise result from the asymmetry created by accounting for the financial instruments at the lower of cost or fair value and the derivatives at fair value. The Company’s valuation of mortgage loans held for sale incorporates an assumption for credit risk; however, given the short-term period that the Company holds these mortgage loans held for sale, valuation adjustments attributable to instrument-specific credit risk is nominal. The following table summarizes the differences between the fair value and the principal balance for loans held for sale and nonaccrual loans HFS measured at fair value as of December 31, 2023 and 2022: December 31, 2023 Aggregate Aggregate Unpaid Principal Balance Difference Mortgage loans held for sale measured at fair value $ 46,618 $ 45,509 $ 1,109 December 31, 2022 Aggregate Aggregate Unpaid Principal Balance Difference Mortgage loans held for sale measured at fair value $ 82,750 $ 81,520 $ 1,230 Commercial loans held for sale measured at fair value 21,201 22,126 (925) Nonaccrual commercial loans held for sale 9,289 12,231 (2,942)

Parent Company Financial Statem

Parent Company Financial Statements	12 Months Ended
	Dec. 31, 2023
Condensed Financial Information Disclosure [Abstract]
Parent Company Financial Statements	Parent company financial statements The following information presents the condensed balance sheets, statements of income, and cash flows of FB Financial Corporation as of December 31, 2023 and 2022 and for each of the years in the three-year period ended December 31, 2023. As of December 31, Balance sheets 2023 2022 Assets Cash and cash equivalents (1) $ 21,448 $ 3,052 Investment in subsidiaries (1) 1,449,439 1,337,657 Other assets 15,291 16,654 Goodwill 29 29 Total assets $ 1,486,207 $ 1,357,392 Liabilities and shareholders' equity Liabilities Borrowings $ 30,930 $ 30,930 Accrued expenses and other liabilities 483 1,037 Total liabilities 31,413 31,967 Shareholders' equity Common stock 46,849 46,738 Additional paid-in capital 864,258 861,588 Retained earnings 678,412 586,532 Accumulated other comprehensive loss (134,725) (169,433) Total shareholders' equity 1,454,794 1,325,425 Total liabilities and shareholders' equity $ 1,486,207 $ 1,357,392 (1) Eliminates in Consolidation Years Ended December 31, Statements of income 2023 2022 2021 Income Dividend income from bank subsidiary (1) $ 49,000 $ 49,000 $ 122,500 Dividend income from nonbank subsidiary (1) 530 — 2,525 Loss on investments — — 249 Other income 57 89 15 Total income 49,587 49,089 125,289 Expenses Interest expense 1,590 1,587 2,455 Salaries, legal and professional fees 1,461 1,590 1,445 Other noninterest expense 478 771 1,812 Total expenses 3,529 3,948 5,712 Income before income tax benefit and equity in undistributed 46,058 45,141 119,577 Federal and state income tax benefit (887) (1,002) (2,992) Income before equity in undistributed earnings of subsidiaries 46,945 46,143 122,569 Equity in undistributed earnings from bank subsidiary (1) 73,832 76,232 68,351 Equity in undistributed earnings from nonbank subsidiary (1) (553) 2,180 (635) Net income $ 120,224 $ 124,555 $ 190,285 (1) Eliminates in Consolidation Years Ended December 31, Statements of cash flows 2023 2022 2021 Operating Activities Net income $ 120,224 $ 124,555 $ 190,285 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed income of bank subsidiary (73,832) (76,232) (68,351) Equity in undistributed income of nonbank subsidiary 553 (2,180) 635 Accretion of subordinated debt fair value premium — — (369) Gain on investments — — (249) Stock-based compensation expense 10,381 9,857 10,282 Decrease (increase) in other assets 1,017 (802) (3,916) Decrease in other liabilities (4,064) (7,381) (678) Net cash provided by operating activities 54,279 47,817 127,639 Investing Activities Proceeds from sale of equity securities — — 1,422 Net cash provided by investing activities — — 1,422 Financing Activities Payments on subordinated debt — — (60,000) Payments on other borrowings — — (15,000) Share based compensation withholding payments (3,379) (2,842) (10,158) Net proceeds from sale of common stock under employee stock purchase 723 1,212 1,480 Repurchase of common stock (4,944) (39,979) (7,595) Dividends paid on common stock (28,057) (24,503) (20,866) Dividend equivalent payments made upon vesting of equity compensation (226) (168) (717) Net cash used in financing activities (35,883) (66,280) (112,856) Net increase (decrease) in cash and cash equivalents 18,396 (18,463) 16,205 Cash and cash equivalents at beginning of year 3,052 21,515 5,310 Cash and cash equivalents at end of year $ 21,448 $ 3,052 $ 21,515 Supplemental noncash disclosures: Dividends declared not paid on restricted stock units $ 287 $ 222 $ 400 Noncash security distribution to bank subsidiary — — 2,646

Segment Reporting

Segment Reporting	12 Months Ended
	Dec. 31, 2023
Segment Reporting [Abstract]
Segment Reporting	Segment reporting The following tables present selected financial information with respect to the Company's reportable segments for the years ended December 31, 2023, 2022, and 2021. Year Ended December 31, 2023 Banking (2) Mortgage Consolidated Net interest income $ 407,217 $ — $ 407,217 Provisions for credit losses 2,539 — 2,539 Mortgage banking income — 60,918 60,918 Change in fair value of mortgage servicing rights, net of hedging (1) — (16,226) (16,226) Other noninterest income 25,831 20 25,851 Depreciation and amortization 10,444 736 11,180 Amortization of intangibles 3,659 — 3,659 Other noninterest expense 262,433 47,657 310,090 Income (loss) before income taxes $ 153,973 $ (3,681) $ 150,292 Income tax expense 30,052 Net income applicable to FB Financial Corporation and noncontrolling interest 120,240 Net income applicable to noncontrolling interest (2) 16 Net income applicable to FB Financial Corporation $ 120,224 Total assets $ 12,046,190 $ 558,213 $ 12,604,403 Goodwill 242,561 — 242,561 (1) Change in fair value of mortgage servicing rights, net of hedging is included in Mortgage banking income in the Company's consolidated statements of income. (2) Banking segment includes noncontrolling interest. Year Ended December 31, 2022 Banking (3) Mortgage Consolidated Net interest income $ 412,237 $ (2) $ 412,235 Provisions for credit losses 18,982 — 18,982 Mortgage banking income — 83,679 83,679 Change in fair value of mortgage servicing rights, net of hedging (1) — (10,099) (10,099) Other noninterest income 41,320 (233) 41,087 Depreciation and amortization 7,035 982 8,017 Amortization of intangibles 4,585 — 4,585 Other noninterest expense (2) 240,096 95,648 335,744 Income (loss) before income taxes $ 182,859 $ (23,285) $ 159,574 Income tax expense 35,003 Net income applicable to FB Financial Corporation and noncontrolling interest 124,571 Net income applicable to noncontrolling interest (3) 16 Net income applicable to FB Financial Corporation $ 124,555 Total assets $ 12,228,451 $ 619,305 $ 12,847,756 Goodwill 242,561 — 242,561 (1) Change in fair value of mortgage servicing rights, net of hedging is included in mortgage banking income in the Company's consolidated statements of income. (2) Includes $12,458 in Mortgage restructuring expenses in the Mortgage segment related to the exit from the direct-to-consumer internet delivery channel. (3) Banking segment includes noncontrolling interest. Year Ended December 31, 2021 Banking (2) Mortgage Consolidated Net interest income $ 347,342 $ 28 $ 347,370 Provisions for credit losses (40,993) — (40,993) Mortgage banking income — 179,682 179,682 Change in fair value of mortgage servicing rights, net of hedging (1) — (12,117) (12,117) Other noninterest income 61,073 (383) 60,690 Depreciation and amortization 7,054 1,362 8,416 Amortization of intangibles 5,473 — 5,473 Other noninterest expense 220,283 139,395 359,678 Income before income taxes $ 216,598 $ 26,453 $ 243,051 Income tax expense 52,750 Net income applicable to FB Financial Corporation and noncontrolling interest 190,301 Net income applicable to noncontrolling interest (2) 16 Net income applicable to FB Financial Corporation $ 190,285 Total assets $ 11,540,560 $ 1,057,126 $ 12,597,686 Goodwill 242,561 — 242,561 (1) Change in fair value of mortgage servicing rights, net of hedging is included in mortgage banking income in the Company's consolidated statements of income. (2) Banking segment includes noncontrolling interest. The Banking segment provides the Mortgage segment with a warehouse line of credit that is used to originate mortgage loans until those mortgage loans can be sold at which time the warehouse line of credit is repaid. The warehouse line of credit, which is eliminated in consolidation, is limited based on interest income earned by the Mortgage segment. The amount of interest paid by the Mortgage segment to the Banking segment under this warehouse line of credit is recorded as interest income to the Banking segment and as interest expense to the Mortgage segment, both of which are included in the calculation of net interest income for each segment. The amount of interest paid by the Mortgage segment to the Banking segment under this warehouse line of credit was $16,170, $18,906 and $23,910 for the years ended December 31, 2023, 2022, and 2021, respectively.

Minimum Capital Requirements

Minimum Capital Requirements	12 Months Ended
	Dec. 31, 2023
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Minimum Capital Requirements	Minimum capital requirements Banks and bank holding companies are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy guidelines and, additionally for banks, prompt corrective action regulations involve quantitative measures of assets, liabilities, and certain off-balance sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators. Failure to meet capital requirements can initiate regulatory action. Under regulatory guidance for non-advanced approach institutions, the Bank and Company are required to maintain minimum capital ratios as outlined in the table below. Minimum risk-based capital adequacy ratios below include a capital conservation buffer of 2.50%. As of December 31, 2023 and 2022, the Bank and Company met all capital adequacy requirements to which they are subject. Additionally, under U.S. Basel III Capital Rules, the Bank and Company opted out of including accumulated other comprehensive income in regulatory capital. The Company elected to phase-in the impact related to adopting ASU 2016-13 over the permissible five-year transition relief period and delayed the initial impact of CECL adoption plus 25% of the quarterly increases in ACL in the first two years after adoption. As of January 1, 2022, the cumulative amount of the transition adjustments became fixed and are being phased out of regulatory capital calculations evenly over a three-year period, with 75% of the transition provision’s impact being recognized in 2022, 50% recognized in 2023, and 25% recognized in 2024. Actual and required capital amounts and ratios are included below as of the dates indicated. December 31, 2023 Actual Minimum Requirement for Capital Adequacy with To Qualify as Well-Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio Total Capital (to risk-weighted assets) FB Financial Corporation $ 1,635,848 14.5 % $ 1,182,028 10.5 % N/A N/A FirstBank 1,600,950 14.2 % 1,179,886 10.5 % $ 1,123,701 10.0 % Tier 1 Capital (to risk-weighted assets) FB Financial Corporation $ 1,405,890 12.5 % $ 956,880 8.5 % N/A N/A FirstBank 1,370,991 12.2 % 955,145 8.5 % $ 898,960 8.0 % Tier 1 Capital (to average assets) FB Financial Corporation $ 1,405,890 11.3 % $ 496,485 4.0 % N/A N/A FirstBank 1,370,991 11.1 % 495,761 4.0 % $ 619,701 5.0 % Common Equity Tier 1 Capital (to risk-weighted assets) FB Financial Corporation $ 1,375,890 12.2 % $ 788,018 7.0 % N/A N/A FirstBank 1,370,991 12.2 % 786,590 7.0 % $ 730,405 6.5 % December 31, 2022 Actual Minimum Requirement for Capital Adequacy with To Qualify as Well-Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio Total Capital (to risk-weighted assets) FB Financial Corporation $ 1,528,344 13.1 % $ 1,225,161 10.5 % N/A N/A FirstBank 1,506,543 12.9 % 1,222,922 10.5 % $ 1,164,688 10.0 % Tier 1 Capital (to risk-weighted assets) FB Financial Corporation $ 1,315,386 11.3 % $ 991,797 8.5 % N/A N/A FirstBank 1,293,585 11.1 % 989,985 8.5 % $ 931,750 8.0 % Tier 1 Capital (to average assets) FB Financial Corporation $ 1,315,386 10.5 % $ 499,648 4.0 % N/A N/A FirstBank 1,293,585 10.4 % 499,194 4.0 % $ 623,992 5.0 % Common Equity Tier 1 Capital (to risk-weighted assets) FB Financial Corporation $ 1,285,386 11.0 % $ 816,774 7.0 % N/A N/A FirstBank 1,293,585 11.1 % 815,281 7.0 % $ 757,047 6.5 %

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2023
Retirement Benefits [Abstract]
Employee Benefit Plans	Employee benefit plans 401(k) plan The Company sponsors a defined contribution plan which covers substantially all employees and allows participating employees to contribute the maximum amount of their eligible salary subject to certain limits based on the federal tax laws. The Company has an employer match of 50% of the first 6% of an employee’s salary with any such contributions vesting ratably over a three-year period. For the years ended December 31, 2023, 2022 and 2021, matching employer contributions totaled $3,450, $3,686 and $3,923 respectively. Acquired supplemental retirement plans The Company has nonqualified supplemental retirement plans for certain former employees that were assumed through acquisitions. As of December 31, 2023 and 2022, other liabilities on the consolidated balance sheets included post-retirement benefits payable of $2,152 and $2,424, respectively, related to these plans. For the years ended December 31, 2023, 2022 and 2021, the expense related to these plans and payments to the participants were not meaningful. The Company also acquired single premium life insurance policies on these individuals. At December 31, 2023 and 2022, cash surrender value of bank-owned life insurance was $76,143 and $75,329, respectively. Income related to these policies (net of related insurance premium expense) amounted to $1,871, $1,452 and $1,542 in 2023, 2022 and 2021, respectively.

Stock-Based Compensation

Stock-Based Compensation	12 Months Ended
	Dec. 31, 2023
Share-Based Payment Arrangement [Abstract]
Stock-Based Compensation	Stock-based compensation Restricted Stock Units The Company grants RSUs under compensation arrangements for the benefit of certain employees, executive officers, and directors. RSU grants are subject to time-based vesting with associated compensation recognized on a straight-line basis based on the grant date fair value of the awards. The total number of RSUs granted represents the maximum number of awards eligible to vest based upon the service conditions set forth in the grant agreements. The following table summarizes changes in RSUs for the year ended December 31, 2023: Restricted Stock Weighted Balance at beginning of period (unvested) 365,155 $ 39.02 Granted 180,631 35.33 Vested (212,251) 38.11 Forfeited (10,015) 40.00 Balance at end of period (unvested) 323,520 $ 37.52 The total fair value of RSUs vested was $8,089, $8,018, and $16,340 for the years ended December 31, 2023, 2022, and 2021, respectively. The compensation cost related to the grants and vesting of RSUs was $7,438, $7,372, and $8,907 for the years ended December 31, 2023, 2022, and 2021, respectively. This includes amounts paid related to grants and compensation for directors elected to be settled in stock amounting to $834, $663, and $635 for the years ended December 31, 2023, 2022, and 2021, respectively. As of December 31, 2023, there was $7,736 of total unrecognized compensation cost related to unvested RSUs which is expected to be recognized over a weighted-average period of 1.94 years. Additionally, as of December 31, 2023, there were 1,497,096 shares available for issuance under the Company's stock compensation plans. As of December 31, 2023 and 2022, there was $353 and $292, respectively, accrued in other liabilities related to dividend equivalent units declared to be paid upon vesting and distribution of the underlying RSUs. Performance-Based Restricted Stock Units The Company awards PSUs to executives, other officers and employees. Under the terms of the awards, the number of units that will vest and convert to shares of common stock will be based on the Company's performance relative to a predefined peer group over a fixed three The following table summarizes information about the changes in PSUs as of and for the year ended December 31, 2023: Performance Stock Weighted Balance at beginning of period (unvested) 161,667 $ 41.73 Granted 86,010 37.17 Performance adjustment (1) 51,444 36.93 Vested (104,833) 36.93 Forfeited or expired (18,125) 43.58 Balance at end of period (unvested) 176,163 $ 40.86 (1) PSUs are presented as outstanding, granted and forfeited in the table above assuming targets are met and the awards pay out at 100%. PSU awards are settled with payouts ranging from 0% and 200% of the target award value based on the Company's performance relative to a predefined peer group over a fixed three performance attainment above or below target. The following table summarizes data related to the Company's outstanding PSUs as of December 31, 2023: Grant Year Grant Price Performance Period PSUs Outstanding 2021 (1) $ 43.20 2021 to 2023 47,387 2022 (1) $ 44.44 2022 to 2024 50,117 2023 (1) $ 37.17 2023 to 2025 78,659 (1) Vesting factor will be interpolated between 0% and 200% of PSUs outstanding based on the Company's performance relative to a predefined peer group over a fixed three The Company recorded compensation cost associated with PSUs of $2,943, $2,485, and $1,375 for the years ended December 31, 2023, 2022, and 2021, respectively. As of December 31, 2023, maximum unrecognized compensation cost at 200% payout related to the unvested PSUs was $10,864, and the weighted average remaining performance period over which the cost could be recognized was 1.82 years. Employee Stock Purchase Plan The Company maintains an employee stock purchase plan under which employees, through payroll deductions, are able to purchase shares of Company common stock. The employee purchase price is 95% of the lower of the market price on the first or last day of the offering period. The maximum number of shares issuable during any offering period is 200,000 shares, limited to 725 shares for each participating employee. There were 20,520, 26,950, and 37,310 shares of common stock issued under the ESPP with proceeds from employee payroll withholdings of $686, $1,087, and $1,190 during the years ended December 31, 2023, 2022, and 2021, respectively. As of December 31, 2023, there were 2,294,226 shares available for issuance under the ESPP.

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2023
Related Party Transactions [Abstract]
Related Party Transactions	Related party transactions Loans The Bank has made and expects to continue to make loans to the directors, certain management, significant shareholders, and executive officers of the Company and their related interests in the ordinary course of business, in compliance with regulatory requirements. An analysis of loans to executive officers, certain management, significant shareholders and directors of the Bank and their related interests is presented below: Loans outstanding at January 1, 2023 $ 82,559 New loans and advances 10,047 Change in related party status (37,897) Repayments (5,636) Loans outstanding at December 31, 2023 $ 49,073 Unfunded commitments to certain executive officers, certain management and directors and their related interests totaled $44,206 and $31,564 at December 31, 2023 and 2022, respectively. Deposits The Bank held deposits from related parties tota ling $316,141 a nd $347,660 as of December 31, 2023 and 2022, respectively. Leases The Bank leases various office spaces from entities owned by certain directors of the Company under varying terms. Lease expense for these properties totaled $385, $396, and $497 for the years ended December 31, 2023, 2022, and 2021, respectively. Aviation lease During the year ended December 31, 2021, the Bank formed a subsidiary, FBK Aviation, LLC and purchased an aircraft under this entity. FBK Aviation, LLC also maintains a non-exclusive aircraft lease agreement with an entity owned by one of the Company's directors. The Company recognized income of $28, $52, and $21 during the years ended December 31, 2023, 2022, and 2021, respectively, under this agreement. Equity investment in preferred stock and master loan purchase agreement During the year ended December 31, 2022, the Company invested in preferred stock of a privately held entity of which an executive officer of the Company is on the Board of directors of the investee. This investment is included in other assets on the consolidated balance sheets with a carrying amount of $10,000 as of both December 31, 2023 and 2022, and is being accounted for as an equity security without readily determinable market value. No gains or losses have been recognized to date associated with this investment. Concurrently, the Company also entered a separate master loan purchase agreement with the entity to purchase up to $250,000 in manufactured loan housing production over an initial five-year term. During the year ended December 31, 2023, the Company purchased $33,164 of loans HFI under this agreement. No such loans were purchased during the year ended December 31, 2022. As of December 31, 2023, the amortized cost of these loans HFI amounted to $32,154. There were no loans recorded under the master loan purchase agreement as of December 31, 2022.

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Pay vs Performance Disclosure
Net income	$ 120,224	$ 124,555	$ 190,285

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Dec. 31, 2023
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Basis of Presentation (Policies

Basis of Presentation (Policies)	12 Months Ended
	Dec. 31, 2023
Accounting Policies [Abstract]
Basis of presentation and use of estimates	Basis of presentation and use of estimates The accompanying consolidated financial statements include the Company and its wholly-owned subsidiaries, namely the Bank. All significant intercompany accounts and transactions have been eliminated in consolidation. The accounting policies followed by the Company and its subsidiaries and the methods of applying these principles conform with accounting principles generally accepted in the United States of America and general banking industry. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenue and expenses during the reporting period, the most significant of which relate to the allowance for credit losses and mortgage servicing rights.
Cash and cash equivalents	Cash and cash equivalents The Company considers all highly liquid unrestricted investments with a maturity of three months or less when purchased to be cash equivalents. This includes cash, federal funds sold, reverse repurchase agreements and interest-bearing deposits in other financial institutions.
Investment securities	Investment securities Available-for-sale debt securities, at fair value Debt securities that might be sold before maturity are classified as available-for-sale. Available-for-sale debt securities are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income, net of applicable taxes, unless such unrealized gain or loss results from expected credit losses. Unrealized losses resulting from credit losses for available-for-sale debt securities are recognized in earnings as a provision for credit losses. Accrued interest receivable for available-for-sale securities is separated from other components of amortized cost and presented separately on the consolidated balance sheets. The amortization and accretion of purchase premiums or discounts is recognized as interest income on the level-yield method anticipating prepayments based upon the prior three month average monthly prepayments when available. The Company evaluates available-for-sale securities for expected credit losses. For securities in an unrealized loss position, consideration is given to the extent to which the fair value has been less than cost, the financial condition and near-term prospects of the issuer and the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value. In analyzing an issuer’s financial condition, the Company considers whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuer’s financial condition. If the Company does not intend to sell the security and it is not more likely than not to be required to sell the security before recovery of its amortized cost basis, the difference between the amortized cost and the fair value is separated into estimated credit losses and all other factors. Estimated credit losses are recorded as an allowance for credit losses and recognized in earnings as a provision for credit losses. Amounts related to other, non-credit related factors are recognized in other comprehensive income, net of applicable taxes. The Company did not record any provision for credit losses for its available-for-sale debt securities during the years ended December 31, 2023 and 2022 as declines in fair value below amortized cost were determined to be non-credit related. Sales of available-for-sale securities are evaluated based on factors such as changes in interest rates, liquidity needs, asset and liability management strategies and other factors. If the Company intends to sell the security or it is more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis, the expected credit loss recognized in earnings is equal to the difference between its amortized cost basis and its fair value at the date it was determined to be impaired due to credit losses or other factors. The sale and purchase of investment securities are recognized on a trade date basis with gains and losses on sales being determined using the specific identification method. Held-to-maturity securities Debt securities are classified as held-to-maturity and carried at amortized cost, excluding accrued interest, when management has the positive intent and ability to hold them to maturity. At December 31, 2023 and 2022, the Company did not own held-to-maturity securities. Trading account securities Trading account securities are held for the purpose of buying and selling securities at a profit. Trading account securities are carried at fair value on the balance sheet, with any periodic changes in fair value recorded through income. At December 31, 2023 and 2022, the Company did not own trading account securities. Equity securities, at fair value Equity securities with readily determinable market values are carried at fair value on the balance sheet with any periodic changes in fair value recorded through income. Equity securities without readily determinable market values are carried at cost less impairment and included in “Other assets” on the consolidated balance sheets. Federal Home Loan Bank stock, at cost The Company accounts for its investments in FHLB stock in accordance with ASC 942-325 “Financial Services-Depository and Lending-Investments-Other.” FHLB stock does not have a readily determinable fair value because its ownership is restricted and lacks a market as all transactions are executed at par value with the FHLB as the sole purchaser. FHLB stock is carried at cost and evaluated for impairment based upon management’s assessment of the recoverability of the par value. Ownership of FHLB stock is required to participate in the FHLB system and varies based upon the amount of FHLB advances.
Loans held for sale	Loans held for sale Mortgage loans held for sale Mortgage loans originated and intended for sale in the secondary market are carried at fair value under the fair value option as permitted under the guidance in ASC 825, “Financial Instruments,” until sold. Electing to measure these assets at fair value reduces certain timing differences and more accurately matches the changes in fair value of the loans with changes in the fair value of derivative instruments used to economically hedge them. The change in fair value of both loans held for sale and the related derivative instruments are recorded in “Mortgage banking income” in the consolidated statements of income. Gains and losses on sale are recognized at the time the loan is closed. Pass through origination costs and related loan fees are also included in “Mortgage banking income.” A portion of loans sold by the Company are sold to GNMA with the Company retaining the servicing rights after the sale. GNMA optional repurchase programs allow financial institutions to repurchase individual delinquent mortgage loans that meet certain criteria from the securitized loan pool from which the institution provides servicing. At the servicer's option and without GNMA's prior authorization, the servicer may repurchase such a delinquent loan for an amount equal to 100% of the remaining principal balance of the loan. Under ASC 860, “Transfers and Servicing,” this buy-back option is considered a conditional option until the delinquency criteria are met, at which time the option becomes unconditional. When the Company is deemed to have effective control over these loans under the unconditional buy-back option, the loan can no longer be reported as sold and must be brought onto the balance sheet as loans held for sale, regardless of whether the Company intends to exercise the buy-back option. These loans are reported at the current unpaid principal balance as “Loans held for sale” with an offsetting liability reported in “Borrowings” on the Company's consolidated balance sheets and are considered nonperforming assets due to their delinquent status. Commercial loan held for sale
Loans held for investment (excluding purchased credit deteriorated loans)	Loans held for investment (excluding purchased credit deteriorated loans) Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at amortized cost. Amortized cost is equal to the principal amount outstanding less any remaining purchase accounting discount or premium. Interest on loans is recognized as income by using the simple interest method on daily balances of the principal amount outstanding plus any accretion or amortization of purchase accounting premiums or discounts. Loans may be designated as nonaccrual if past due 90 days or more or if management determines based on economic conditions and the borrower’s financial condition that collection of principal or interest is doubtful, unless the credit is well secured and in the process of collection. When a loan is placed on nonaccrual status, the accrued but unpaid interest is charged against current period operations. Thereafter, interest on nonaccrual loans is recognized only as received if future collection of principal is probable. If the collectability of outstanding principal is doubtful, interest received is applied as a reduction of principal. A loan may be restored to accrual status when principal and interest are no longer past due or it otherwise becomes both well secured and collectability is reasonably assured. Credit Quality - Commercial Type Loans The Company categorizes commercial loan types into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans that share similar risk characteristics collectively. Loans that do not share similar risk characteristics are evaluated individually. The Company uses the following definitions for risk ratings: Pass. Loans rated Pass include those that are adequately collateralized performing loans which management believes do not have conditions that have occurred or may occur that would result in the loan being downgraded into an inferior category. The Pass category also includes commercial loans rated as Watch, which include those that management believes have conditions that have occurred, or may occur, which could result in the loan being downgraded to an inferior category. Special Mention. Loans rated Special Mention are those that have potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or in the institution’s credit position at some future date. Management does not believe there will be a loss of principal or interest. These loans require intensive servicing and may possess more than normal credit risk. Classified. Loans included in the Classified category include loans rated as Substandard and Doubtful. Loans rated as Substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Substandard loans have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Also included in this category are loans classified as Doubtful, which have all the weaknesses inherent in those classified as Substandard, with the added characteristic that the weakness or weaknesses make collection or liquidation in full, based on currently existing facts, conditions, and values, highly questionable and improbable.
Allowance for credit losses	Allowance for credit losses The allowance for credit losses represents the portion of the loan's amortized cost basis that the Company does not expect to collect due to credit losses over the loan's life, considering past events, current conditions, and reasonable and supportable forecasts of future economic conditions. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for credit losses is based on the loan's amortized cost basis, excluding accrued interest receivable, as the Company promptly charges off uncollectible accrued interest receivable. Management’s determination of the appropriateness of the allowance is based on periodic evaluation of the loan portfolio, lending-related commitments and other relevant factors, including macroeconomic forecasts and historical loss rates. In the future, the Company may update information and forecasts that may cause significant changes in the estimate in those future quarters. The Company calculates its expected credit loss using a lifetime loss rate methodology. The Company utilizes probability-weighted forecasts, which consider multiple macroeconomic variables from Moody's that are applicable to each type of loan. Each of the Company's loss rate models incorporate forward-looking macroeconomic projections throughout the reasonable and supportable forecast period and the subsequent historical reversion at the macroeconomic variable input level. In order to estimate the life of a loan, the contractual term of the loan is adjusted for estimated prepayments based on market information and the Company’s prepayment history. For loss estimation purposes, the Company disaggregates the loan portfolio into three loan pools: 1) Commercial and industrial; 2) Retail; 3) Commercial real estate. These loan pools are further disaggregated into loan segments for application of qualitative inputs for loss estimation purposes. These loan segments include: Commercial and industrial loans. Commercial and industrial loans are typically made to small- and medium-sized manufacturing, wholesale, retail and service businesses, and farmers for working capital and operating needs and business expansions. This category also includes loans secured by manufactured housing receivables made primarily to manufactured housing communities. Commercial and industrial loans generally include lines of credit and loans with maturities of five years or less. Commercial and industrial loans are generally made with operating cash flows as the primary source of repayment, but may also include collateralization by inventory, accounts receivable, equipment and personal guarantees. Construction loans. Construction loans include commercial construction, land acquisition and land development loans and single-family interim construction loans to small- and medium-sized businesses and individuals. These loans are generally secured by the land or the real property being built and are made based on the Company's assessment of the value of the property on an as-completed basis and repayment depends upon project completion and sale, refinancing, or operation of the real estate. 1-4 family mortgage loans . The Company’s residential real estate 1-4 family mortgage loans are primarily made with respect to and secured by single family homes, including manufactured homes with real estate, which are both owner-occupied and investor owned. Repayment depends primarily upon the cash flow of the borrower as well as the value of the real estate collateral. Residential line of credit loans. The Company’s residential line of credit loans are primarily revolving, open-end lines of credit secured by 1-4 residential properties. Repayment depends primarily upon the cash flow of the borrower as well as the value of the real estate collateral. Multi-family residential loans. The Company’s multi-family residential loans are primarily secured by multi-family properties, such as apartments and condominium buildings. Repayment depends primarily upon the cash flow of the borrower as well as the value of the real estate collateral. Commercial real estate owner-occupied loans . The Company’s commercial real estate owner-occupied loans include loans to finance commercial real estate owner occupied properties for various purposes including use as offices, warehouses, production facilities, health care facilities, retail centers, restaurants, churches and agricultural based facilities. Commercial real estate owner-occupied loans are typically repaid through the ongoing business operations of the borrower. Commercial real estate non-owner occupied loans . The Company’s commercial real estate non-owner occupied loans include loans to finance commercial real estate investment properties for various purposes including use as offices, warehouses, health care facilities, hotels, mixed-use residential/commercial, manufactured housing communities, retail centers, multifamily properties, assisted living facilities and agricultural based facilities. Commercial real estate non-owner occupied loans are typically repaid with the funds received from the sale or refinancing of the property or rental income from such property. Consumer and other loans . The Company’s consumer and other loans include loans to individuals for personal, family and household purposes, including car, boat and other recreational vehicle loans, manufactured homes (without real estate) and personal lines of credit. Consumer loans are generally secured by vehicles and other household goods, with repayment depending primarily on the cash flow of the borrower. Other loans also include loans to states and political subdivisions in the U.S. and are repaid through tax revenues or refinancing. None of these categories of loans represent a significant portion of the Company's loan portfolio. The Company's loss rate models estimate the lifetime loss rate for the pools of loan segments by combining the calculated loss rate based on each variable within the model, including the macroeconomic variables. The lifetime loss rate for the pool is then multiplied by the loan balances to determine the expected credit losses on the pool. The quantitative models require loan data and macroeconomic variables based on the inherent credit risks in each portfolio to more accurately measure the credit risks associated with each. The quantitative models pool loans with similar risk characteristics and collectively assesses the lifetime loss rate for each pool to estimate its expected credit loss. The Company considers the need to qualitatively adjust its modeled quantitative expected credit loss estimate for information not otherwise captured in the model loss estimation process. These qualitative factor adjustments may increase or decrease the Company’s estimate of expected credit losses. The Company considers the qualitative factors that are relevant to the institution as of the reporting date, which may include, but are not limited to: levels of and trends in delinquencies and performance of loans; levels of and trends in write-offs and recoveries collected; trends in volume and terms of loans; effects of any changes in reasonable and supportable economic forecasts; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and expertise; available relevant information sources that contradict the Company’s own forecast; effects of changes in prepayment expectations or other factors affecting assessments of loan contractual terms; industry conditions; and effects of changes in credit concentrations. When a loan no longer shares similar risk characteristics with other loans in any given pool, the loan is individually assessed. A loan may require an individual evaluation when it is collateral-dependent; foreclosure is probable; or it has other unique risk characteristics. A loan is deemed collateral-dependent when the borrower is experiencing financial difficulty and the repayment is expected to be primarily through sale or operation of the collateral. The allowance for credit losses for collateral-dependent loans as well as loans where foreclosure is probable is calculated as the amount for which the loan’s amortized cost basis exceeds fair value. Fair value is determined based on appraisals performed by qualified appraisers and reviewed by qualified personnel. In cases where repayment is to be provided substantially through the sale of collateral, the Company reduces the fair value by the estimated costs to sell. Effective January 1, 2023, the Company prospectively adopted the accounting guidance in ASU 2022-02, “Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures,” which eliminates the recognition and measurement of TDRs. Since adoption, the Company no longer measures an allowance for credit losses for TDRs it reasonably expects will occur, and it evaluates all loan modifications according to the accounting guidance for loan refinancing and modifications to determine whether the modification should be accounted for as a new loan or a continuation of the existing loan. The Company derecognizes the existing loan and accounts for the modified loan as a new loan if the effective yield on the modified loan is at least equal to the effective yield for comparable loans with similar collection risks and the modifications to the original loan are more than minor. If a loan modification does not meet these conditions, it extends the existing loan’s amortized cost basis and accounts for the modified loan as a continuation of the existing loan. Substantially all of its loan modifications involving borrowers experiencing financial difficulty are accounted for as a continuation of the existing loan. Prior to January 1, 2023, loans experiencing financial difficulty for which a concession has not yet been provided may be identified as reasonably expected TDRs. Reasonably expected TDRs and TDRs used the same methodology to estimate credit losses. In cases where the expected credit loss could only be captured through a discounted cash flow analysis (such as an interest rate modification for a TDR loan), the allowance was measured by the amount which the loan’s amortized cost exceeds the discounted cash flow analysis. See Note 3, “Loans and allowance for credit losses” for additional details related to the Company's allowance for credit losses.
Business combinations and accounting for purchase credit deteriorated loans	Business combinations and accounting for purchase credit deteriorated loans Business combinations are accounted for by applying the acquisition method in accordance with ASC 805, “Business Combinations.” Under the acquisition method, identifiable assets acquired and liabilities assumed and any non-controlling interest in the acquiree at the acquisition date are measured at their fair values as of that date. Any excess of the purchase price over fair value of net assets acquired is recorded as goodwill. To the extent the fair value of net assets acquired, including any other identifiable intangible assets, exceeds the purchase price, a bargain purchase gain is recognized. Results of operations of acquired entities are included in the consolidated statements of income from the date of acquisition.
Off-balance sheet financial instruments	Off-balance sheet financial instruments Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded, unless considered derivatives. For loan commitments that are not accounted for as derivatives and when the obligation is not unconditionally cancellable by the Company, the Company applies the CECL methodology to estimate the expected credit loss on off-balance sheet commitments. The estimate of expected credit losses for off-balance sheet credit commitments is recognized as a liability. When the loan is funded, an allowance for expected credit losses is estimated for that loan using the CECL methodology, and the liability for off-balance sheet commitments is reduced. When applying the CECL methodology to estimate the expected credit loss, the Company considers the likelihood that funding will occur, the contractual period of exposure to credit loss, the risk of loss, historical loss experience, and current conditions along with expectations of future economic conditions.
Premises and equipment and other long-lived assets.	Premises and equipment and other long-lived assets Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Provisions for depreciation are computed principally on the straight-line method and are charged to occupancy expense over the estimated useful lives of the assets. Maintenance agreements are amortized to expense over the period of time covered by the agreement. Costs of major additions, replacements or improvements are capitalized while expenditures for maintenance and repairs are charged to expense as incurred. For financial statement purposes, the estimated useful life for premises is the lesser of the remaining useful life per third- party appraisal or forty years, for furniture, fixtures and equipment the estimated useful life is three Premises and equipment and other long-lived assets are reviewed for impairment when events indicate their carrying amount may not be recoverable from future undiscounted cash flows. If impaired, the assets are recorded at fair value. No long-lived assets were deemed to be impaired at December 31, 2023 or 2022.
Other real estate owned	Other real estate owned Real estate acquired through, or in lieu of, loan foreclosure is initially recorded at fair value less the estimated cost to sell at the date of foreclosure, which may establish a new cost basis. Other real estate owned may also include excess facilities and properties held for sale as described in Note 5, “Other real estate owned.” Physical possession of residential real estate property collateralizing a consumer mortgage loan occurs when legal title is obtained upon completion of foreclosure or when the borrower conveys all interest in the property to satisfy the loan. After initial measurement, valuations are periodically performed by management and the asset is carried at the lower of carrying amount or fair value less costs to sell. Revenue and expenses from operations are included in other noninterest income and noninterest expenses. Losses due to the valuation of the property are included in gain (loss) on sales or write-downs of other real estate owned.
Leases	Leases The Company leases certain banking, mortgage and operations locations. The Company records leases on the balance sheet in the form of a lease liability for the present value of future minimum payments under the lease terms and a right-of-use asset equal to the lease liability adjusted for items such as deferred or prepaid rent, incentive liabilities, leasehold intangibles and any impairment of the right-of-use asset. In determining whether a contract contains a lease, management conducts an analysis at lease inception to ensure an asset was specifically identified and the Company has control of use of the asset. The Company considers a lease to be a finance lease if future minimum lease payments amount to greater than 90% of the asset's fair value or if the lease term is equal to or greater than 75% of the asset's estimated economic useful life. The Company does not record leases on the consolidated balance sheets that are classified as short term (less than one year). Additionally, the Company has not recorded equipment leases on the consolidated balance sheets as these are not material to the Company. At lease inception, the Company determines the lease term by adding together the minimum lease term and all optional renewal periods that it is reasonably certain to renew. This determination is at management's full discretion and is made through consideration of the asset, market conditions, competition and entity based economic conditions, among other factors. The lease term is used in the economic life test and also to calculate straight-line rent expense. The depreciable life of leasehold improvements is limited by the estimated lease term, including renewals. Operating leases are expensed on a straight-line basis over the life of the lease beginning when the lease commences. Rent expense and variable lease expense are included in occupancy and equipment expense on the Company's consolidated statements of income. The Company's variable lease expense includes rent escalators that are based on the Consumer Price Index or market conditions and include items such as common area maintenance, utilities, parking, property taxes, insurance and other costs associated with the lease. The Company recognizes a right-of-use asset and a finance lease liability at the lease commencement date on the estimated present value of lease payments over the lease term for finance leases. The amortization of the right-of-use asset is expensed through occupancy and equipment expense and the interest on the lease liability is expensed through interest expense on borrowings on the Company's consolidated statements of income. There are no residual value guarantees or restrictions or covenants imposed by leases that will impact the Company's ability to pay dividends or cause the Company to incur additional expenses. The discount rate used in determining the lease liability is based upon incremental borrowing rates the Company could obtain for similar loans as of the date of commencement or renewal.
Mortgage servicing rights	Mortgage servicing rights The Company accounts for its mortgage servicing rights at fair value at each reporting date with changes in the fair value reported in earnings in the period in which changes occur. The Company retains the right to service certain mortgage loans that it sells to secondary market investors. These mortgage servicing rights are recognized as a separate asset on the date the corresponding mortgage loan is sold. The retained mortgage servicing right is initially recorded at the fair value of future net cash flows expected to be realized for performing servicing activities. Fair value is determined using an income approach with various assumptions including expected cash flows, prepayment speeds, market discount rates, servicing costs, and other factors. Subsequent changes in fair value, including the write-downs due to payoffs and paydowns, are recorded in earnings in Mortgage banking income.
Transfers of financial assets	Transfers of financial assetsTransfers of financial assets are accounted for as sales when control over the transferred assets is surrendered. Control is generally considered to have been surrendered when 1) the transferred assets are legally isolated from the Company or its consolidated affiliates, even in bankruptcy or other receivership, 2) the transferee has the right to pledge or exchange the assets with no conditions that constrain the transferee and provide more than a trivial benefit to the Company, and 3) the Company does not maintain the obligation or unilateral ability to reclaim or repurchase the assets. If these sale criteria are met, the transferred assets are removed from the Company’s balance sheet and a gain or loss on sale is recognized on the consolidated statements of income. If not met, the transfer is recorded as a secured borrowing, and the assets remain on the Company’s consolidated balance sheets, the proceeds from the transaction are recognized as a liability, and gain or loss on sale is deferred until the sale criterion are achieved.
Goodwill and other intangibles	Goodwill and other intangibles Goodwill represents the excess of the purchase price over the estimated fair value of identifiable net assets associated with acquisition transactions. Goodwill is assigned to the Company’s reporting units, Banking or Mortgage, and tested for impairment annually , or more frequently if an event occurs or circumstances change that would more likely than not reduce the fair value of the reporting unit below its carrying value. As part of its testing, the Company may elect to first assess qualitative factors to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount. If the results of the qualitative assessment indicate that more likely than not a reporting unit’s fair value is less than its carrying amount, the Company determines the fair value of the respective reporting unit (through the application of various quantitative valuation methodologies) relative to its carrying amount to determine whether quantitative indicators of potential impairment are present. The Company may also elect to bypass the qualitative assessment and begin with the quantitative assessment. If the results of the quantitative assessment indicate that the fair value of the reporting unit is below its carrying amount, the Company will recognize an impairment loss in noninterest expense for the amount that the reporting unit’s carrying amount exceeds its fair value (up to the amount of goodwill recorded). No impairment charges were recognized in either reporting units during the year ended December 31, 2023. Other intangible assets consist of core deposit intangible assets arising from whole bank and branch acquisitions in addition to a customer trust intangible. All intangible assets are initially measured at fair value and then amortized over their estimated useful lives. See Note 6, “Goodwill and intangible assets” for additional information on goodwill and other intangibles.
Income taxes	Income taxes Income tax expense is the total of the current year income tax due and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax amounts for the temporary differences between carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded.
Derivative financial instruments and hedging activities	Derivative financial instruments and hedging activities A derivative is a financial instrument that derives its cash flows, and therefore its value, by reference to an underlying instrument, index or referenced interest rate. These instruments include interest rates swaps, caps, floors, financial forwards and futures contracts. The Company mainly uses derivatives to manage economic risk related to mortgage loans, long-term debt, and other funding sources. The Company also uses derivatives to facilitate transactions on behalf of its customers. All derivative instruments are recognized on the Company’s consolidated balance sheets at their fair value. The Company does not offset fair value amounts under master netting agreements. Fair values are estimated using pricing models and current market data. On the date the derivative instrument is entered into, the Company designates the derivative as (1) a fair value hedge, (2) a cash flow hedge, or (3) a derivative with no hedge accounting designation. Changes in the fair value of a derivative instrument that is highly effective and that is designated and qualifies as a fair value hedge, along with the gain or loss on the hedged asset or liability that is attributable to the hedged risk (including losses or gains on firm commitments), are recorded in earnings. Changes in the fair value of a derivative instrument that is highly effective and that is designated and qualifies as a cash flow hedge are recorded in accumulated other comprehensive income, until earnings are affected by the variability of cash flows (e.g., when period settlements on a variable-rate asset or liability are recorded in earnings). Changes in the fair value of a derivative with no hedge accounting designation and settlements on the instrument are reported in earnings. The Company formally documents all relationships between hedging instruments and hedge items, as well as its risk management objective and strategy for undertaking various hedge transactions. This process includes linking all derivative instruments that are designated as fair value or cash flow hedges to specific assets or liabilities on the Company’s consolidated balance sheets, or to specific firm commitments or forecasted transactions. The Company also formally assesses, both at the hedge’s inception and on an ongoing basis, whether the derivative instruments that are used in hedging transactions are highly effective in offsetting changes in fair values or cash flows of hedged items. The Company discontinues hedge accounting prospectively when: (1) it is determined that the derivative instrument is no longer highly effective in offsetting changes in the fair value or cash flows of a hedged item (including firm commitments or forecasted transactions); (2) the derivative instrument expires or is sold, terminated or exercised; (3) the derivative instrument is de-designated as a hedging instrument because it is unlikely that a forecasted transaction will occur; (4) a hedged firm commitment no longer meets the definition of a firm commitment; or (5) management determines that designation of the derivative instrument as a hedging instrument is no longer appropriate.
Comprehensive income	Comprehensive income Comprehensive income consists of net income and other comprehensive income. Other comprehensive income includes unrealized gains and losses on available-for-sale securities and derivatives designated as cash flow hedges, net of taxes.
Loss contingencies	Loss contingencies Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated. Management does not believe there are such matters that will have a material effect on the consolidated financial statements.
Earnings per common share	Earnings per common share Basic EPS excludes dilution and is computed by dividing earnings attributable to common shareholders by the weighted average number of common shares outstanding during the period. Diluted EPS includes the dilutive effect of additional potential common shares issuable under the restricted stock units granted but not yet vested and distributable. Diluted EPS is computed by dividing earnings attributable to common shareholders by the weighted average number of common shares outstanding for the year, plus an incremental number of common-equivalent shares computed using the treasury stock method.
Segment reporting	Segment reporting ASC 820, “Segment Reporting,” requires information be reported about a company's reporting segments using a “management approach.” Identifiable reporting segments are defined as those revenue-producing components for which discrete financial information is utilized internally and which are subject to evaluation by the chief operating decision maker in making resource allocation decisions. Based on this guidance, the Company has identified two reporting segments - Banking and Mortgage. The Banking segment, the Company's primary segment, provides a full range of deposit and lending services to corporate, commercial and consumer customers. The Company also originates conforming residential mortgage loans through the Mortgage segment which engages in servicing and sale of mortgage loans through the secondary markets. Certain financial information has been presented in Note 18, “Segment reporting.”
Stock-based compensation	Stock-based compensation The Company grants RSUs under compensation arrangements for the benefit of certain employees, executive officers, and directors. Restricted stock unit grants are subject to time-based vesting. The total number of RSUs granted represents the maximum number of restricted stock units eligible to vest based upon the service conditions set forth in the grant agreements. The Company awards annual grants of PSUs to certain employees and executive officers. Under the terms of a PSU award, the number of units that will vest and convert to shares of common stock will be based on the extent to which the Company achieves specified performance criteria relative to a predefined peer group during a fixed three-year performance period.
Subsequent events	Subsequent events In accordance with ASC 855, “Subsequent Events,” the Company has evaluated events and transactions that occurred after December 31, 2023 through the date of the issued consolidated financial statements for potential recognition and disclosure.
Recently adopted accounting standards and Newly issued not yet effective accounting standards	Recently adopted accounting standards In March 2020, the FASB issued ASU 2020-04, “Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting.” ASU 2020-04 is intended to provide relief for companies preparing for discontinuation of interest rates based on LIBOR. The ASU provides optional expedients and exceptions for applying GAAP to contract modifications and hedging relationships, subject to meeting certain criteria, that reference LIBOR or other reference rates expected to be discontinued. ASU 2020-04 also provides for a one-time sale and/or transfer to AFS or trading to be made for held-to-maturity debt securities that both reference an eligible reference rate and were classified as held-to-maturity before January 1, 2020. ASU 2020-04 was effective for all entities as of March 12, 2020 and through December 31, 2022. Companies can apply the ASU as of the beginning of the interim period that includes March 12, 2020 or any date thereafter. The guidance requires companies to apply the guidance prospectively to contract modifications and hedging relationships while the one-time election to sell and/or transfer debt securities classified as held-to-maturity may be made any time after March 12, 2020. In December 2022, the FASB issued ASU 2022-06, “Reference rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848” to extend the date to December 31, 2024 for companies to apply the relief in Topic 848. The Company has implemented its transition plan away from LIBOR following the benchmark's discontinuation effective June 30, 2023. The application of this guidance did not have a material impact to the consolidated financial statements or related disclosures. In March 2022, the FASB issued ASU 2022-01, “Derivatives and Hedging (Topic 815): Fair Value Hedging – Portfolio Layer Method,” to expand the current single-layer method of electing hedge accounting to allow multiple hedged layers of a single closed portfolio under the method. To reflect that expansion, the last-of-layer method is renamed the portfolio layer method. The amendments in this update are effective for fiscal years beginning after December 15, 2022, and interim periods within those fiscal years. Early adoption is permitted on any date on or after the issuance of ASU 2022-01 for any entity that has adopted the amendments in ASU 2017-12 for the corresponding period. The Company adopted the update effective January 1, 2023. The adoption of this standard did not have an impact on the consolidated financial statements or disclosures. Additionally, in March 2022, the FASB issued ASU 2022-02, “Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures” related to troubled debt restructurings and vintage disclosures for financing receivables. The amendments eliminate the accounting guidance for troubled debt restructurings by creditors that have adopted the CECL model and enhance the disclosure requirements for loan modifications and restructurings made with borrowers experiencing financial difficulty. In addition, the amendments require disclosure of current-period gross write-offs for financing receivables by year of origination in the vintage disclosures. The amendments in this update are effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years, with early adoption permitted. The Company prospectively adopted the amendment effective January 1, 2023 and updated its disclosures beginning with the first quarter of 2023. Refer to Note 3 for further information. The adoption of this standard did not have a material impact on the Company's consolidated financial statements. Newly issued not yet effective accounting standards In June 2022, the FASB issued ASU 2022-03, “Fair Value Measurement (Topic 820): Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions.” The FASB issued this update to clarify the guidance in ASC 820, “Fair Value Measurement,” when measuring the fair value of an equity security subject to contractual restrictions that prohibit the sale of an equity security, to amend a related illustrative example, and to introduce new disclosure requirements for equity securities subject to contractual sale restrictions that are measured at fair value in accordance with Topic 820. The Company adopted this update effective January 1, 2024. The adoption did not have an impact on the Company's consolidated financial statements or related disclosures. In March 2023, the FASB issued ASU 2023-01, “Leases (Topic 842): Common Control Arrangements” as part of the Post-Implementation Review process of ASC 842, “Leases,” around related party arrangements between entities under common control. Under previous guidance, a lessee is generally required to amortize leasehold improvements that it owns over the shorter of the useful life of those improvements or the lease term. However, due to the nature of leasehold improvements made under leases between entities under common control, ASU 2023-01 requires a lessee in a common-control arrangement to amortize such leasehold improvements that it owns over the improvements' useful life to the common control group, regardless of the lease term. The Company adopted this standard on January 1, 2024 on a prospective basis. The adoption of this standard did not have a material impact on the Company's consolidated financial statements or related disclosures. Additionally, in March 2023, the FASB issued ASU 2023-02, “Investments – Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method.” The amendments in this update permit reporting entities to elect to account for tax equity investments, regardless of the tax credit program from which the income tax credits are received, using the proportional amortization method if certain conditions are met. The Company adopted this standard effective January 1, 2024. The adoption of this accounting pronouncement did not have an impact on the Company's historical consolidated financial statements but could influence the Company's decisions with respect to investments in certain tax credits prospectively. In November 2023, the FASB issued ASU 2023-07, “Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures.” The amendments in this update are intended to improve reportable segment disclosure requirements, primarily through enhanced disclosures about significant expenses. The ASU requires disclosures to include significant segment expenses that are regularly provided to the chief operating decision maker, a description of other segment items by reportable segment, and any additional measures of a segment's profit or loss used by the chief operating decision maker when deciding how to allocate resources. The ASU also requires all annual disclosures currently required by Topic 280, “Segment Reporting,” to be included in interim periods. This update is effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. Early adoption is permitted and retrospective application is required for all periods presented. The Company is evaluating the impact this will have on the Company's consolidated financial statements and related disclosures. In December 2023, the FASB issued ASU 2023-08, “Intangibles – Goodwill and Other-Crypto Assets (Subtopic 350-60): Accounting for and Disclosure of Crypto Assets.” This update requires entities to present crypto assets measured at fair value separately from other intangible assets on the balance sheet and reflect changes from remeasurement in the net income. Additionally, an entity that receives crypto assets as noncash consideration in the ordinary course of business and converts them nearly immediately into cash is required to classify those cash receipts as cash flows from operating activities. Lastly, the update requires entities to provide interim and annual disclosures about the types of crypto assets they hold and any changes in their holdings of crypto assets. While the Company does not currently hold or facilitate transactions with crypto assets, the Company is evaluating the potential future financial statement and disclosure impact from adopting this guidance when it becomes applicable based on the Company's crypto asset activities. Additionally, in December 2023, the FASB issued ASU 2023-09, “Income Taxes (Topic 740): Improvements to Income Tax Disclosures.” The amendments in this update enhance the transparency and decision usefulness of income tax disclosures. This ASU requires disclosures of specific categories and disaggregation of information in the rate reconciliation table. The ASU also requires disclosure of disaggregated information related to income taxes paid, income or loss from continuing operations before income tax expense or benefit, and income tax expense or benefit from continuing operations. The requirements of the ASU are effective for annual periods beginning after December 15, 2024. Early adoption is permitted and the amendments should be applied on a prospective basis. Retrospective application is permitted. The Company is currently evaluating the effect that ASU 2023-09 will have on its disclosures.
Fair value of financial instruments	Fair value of financial instruments FASB ASC 820-10 defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. ASC 820-10 also establishes a framework for measuring the fair value of assets and liabilities according to a hierarchy that prioritizes the inputs to valuation techniques used to measure fair value into three broad levels. The fair value hierarchy gives the highest priority to quoted prices in active markets for identical assets and liabilities (Level 1) and the lowest priority to unobservable inputs (Level 3). The hierarchy maximizes the use of observable inputs and minimizes the use of unobservable inputs by requiring that the most observable inputs be used when available. Observable inputs are inputs that market participants would use in pricing the asset or liability based on market data obtained from sources independent of the Company. Unobservable inputs are inputs that are derived from assumptions based on management’s estimate of assumptions that market participants would use in pricing the asset or liability based on the best information available under the circumstances. The hierarchy is broken down into the following three levels, based on the reliability of inputs: Level 1: Unadjusted quoted prices in active markets for identical assets or liabilities that are accessible at the measurement date. Level 2: Significant other observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active or other inputs that are observable or can be corroborated by observable market data. Level 3: Significant unobservable inputs for assets or liabilities that are derived from assumptions based on management’s estimate of assumptions that market participants would use in pricing the assets or liabilities. The Company records the fair values of financial assets and liabilities on a recurring and nonrecurring basis using the following methods and assumptions: Investment securities Investment securities are recorded at fair value on a recurring basis. Fair values for securities are based on quoted market prices, where available. If quoted prices are not available, fair values are based on quoted market prices of similar instruments or are determined by matrix pricing, which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the pricing relationship or correlation among other benchmark quoted securities. Investment securities valued using quoted market prices of similar instruments or that are valued using matrix pricing are classified as Level 2. When significant inputs to the valuation are unobservable, the available-for-sale debt securities are classified within Level 3 of the fair value hierarchy. Where no active market exists for a security or other benchmark securities, fair value is estimated by the Company with reference to discount margins for other high-risk securities. Loans held for sale Mortgage loans held for sale are carried at fair value determined using current secondary market prices for loans with similar characteristics, that is, using Level 2 inputs. GNMA optional repurchase loans recorded as held for sale loans are carried at their principal balance. For commercial loans held for sale, fair value is determined using an income approach with various assumptions including expected cash flows, market discount rates, credit metrics and collateral value when appropriate. As such, these are considered Level 3. Derivatives The fair value of the Company's interest rate swap agreements to facilitate customer transactions are based upon fair values provided from entities that engage in interest rate swap activity and is based upon projected future cash flows and interest rates. The fair value of interest rate lock commitments associated with the mortgage pipeline is based on fees currently charged to enter into similar agreements, and for fixed-rate commitments, the difference between current levels of interest rates and the committed rates is also considered. The fair values of the Company's designated cash flow and fair value hedges are determined by calculating the difference between the discounted fixed rate cash flows and the discounted variable rate cash flows. The fair values of both the Company's hedges, including designated cash flow hedges and designated fair value hedges are based on pricing models that utilize observable market inputs. These financial instruments are classified as Level 2. OREO OREO is comprised of commercial and residential real estate obtained in partial or total satisfaction of loan obligations and excess land and facilities held for sale. OREO acquired in settlement of indebtedness is recorded at the lower of the carrying amount of the loan or the fair value of the real estate less costs to sell. Fair value is determined on a nonrecurring basis based on appraisals by qualified licensed appraisers and is adjusted for management’s estimates of costs to sell and holding period discounts. The valuations are classified as Level 3. Mortgage servicing rights MSRs are carried at fair value. Fair value is determined using an income approach with various assumptions including expected cash flows, market discount rates, prepayment speeds, servicing costs, and other factors. As such, MSRs are considered Level 3. Collateral- dependent loans Collateral-dependent loans are loans for which, based on current information and events, the Company has determined foreclosure of the collateral is probable, or where the borrower is experiencing financial difficulty and the Company expects repayment of the loan to be provided substantially through the operation or sale of the collateral and it is probable that the creditor will be unable to collect all amounts due according to the contractual terms of the loan agreement. Collateral-dependent loans are classified as Level 3. Other real estate owned acquired in settlement of indebtedness is recorded at fair value of the real estate less estimated costs to sell. Subsequently, it may be necessary to record nonrecurring fair value adjustments for declines in fair value. Any write-downs based on the asset's fair value at the date of foreclosure are charged to the allowance for credit losses. Appraisals for both collateral-dependent loans and other real estate owned are performed by certified appraisers whose qualifications and licenses have been reviewed and verified by the Company. Once received, a member of the lending administrative department reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry wide statistics. Collateral-dependent loans that are dependent on recovery through sale of equipment, such as farm equipment, automobiles and aircrafts are generally valued based on public source pricing or subscription services while more complex assets are valued through leveraging brokers who have expertise in the collateral involved.

Basis of Presentation (Tables)

Basis of Presentation (Tables)	12 Months Ended
	Dec. 31, 2023
Accounting Policies [Abstract]
Schedule of Basic and Diluted Earnings Per Common Share Calculation	The following is a summary of the basic and diluted earnings per common share calculation for each of the periods presented: Years Ended December 31, 2023 2022 2021 Basic earnings per common share: Net income applicable to FB Financial Corporation $ 120,224 $ 124,555 $ 190,285 Dividends paid on and undistributed earnings allocated to — — — Earnings available to common shareholders $ 120,224 $ 124,555 $ 190,285 Weighted average basic shares outstanding 46,781,214 47,113,470 47,431,102 Basic earnings per common share $ 2.57 $ 2.64 $ 4.01 Diluted earnings per common share: Earnings available to common shareholders $ 120,224 $ 124,555 $ 190,285 Weighted average basic shares outstanding 46,781,214 47,113,470 47,431,102 Weighted average diluted shares contingently issuable (1) 41,578 126,321 524,778 Weighted average diluted shares outstanding 46,822,792 47,239,791 47,955,880 Diluted earnings per common share $ 2.57 $ 2.64 $ 3.97 (1)

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2023
Investments, Debt and Equity Securities [Abstract]
Schedule of Amortized Cost of Securities and Fair Values	The following tables summarize the amortized cost, allowance for credit losses and fair value of the available-for-sale debt securities and the corresponding amounts of unrealized gains and losses recognized in accumulated other comprehensive loss at December 31, 2023 and 2022: December 31, 2023 Amortized cost Gross unrealized gains Gross unrealized losses Allowance for credit losses for investments Fair Value Investment Securities Available-for-sale debt securities U.S. government agency securities $ 204,663 $ 470 $ (1,177) $ — $ 203,956 Mortgage-backed securities - residential 1,057,389 — (160,418) — 896,971 Mortgage-backed securities - commercial 18,186 — (1,225) — 16,961 Municipal securities 263,312 370 (21,419) — 242,263 U.S. Treasury securities 111,729 — (3,233) — 108,496 Corporate securities 3,500 — (174) — 3,326 Total $ 1,658,779 $ 840 $ (187,646) $ — $ 1,471,973 December 31, 2022 Amortized cost Gross unrealized gains Gross unrealized losses Allowance for credit losses for investments Fair Value Investment Securities Available-for-sale debt securities U.S. government agency securities $ 45,167 $ — $ (5,105) $ — $ 40,062 Mortgage-backed securities - residential 1,224,522 — (190,329) — 1,034,193 Mortgage-backed securities - commercial 19,209 — (1,565) — 17,644 Municipal securities 295,375 458 (31,413) — 264,420 U.S. Treasury securities 113,301 — (5,621) — 107,680 Corporate securities 8,000 — (813) — 7,187 Total $ 1,705,574 $ 458 $ (234,846) $ — $ 1,471,186
Schedule of Gross Unrealized Losses	The following tables show gross unrealized losses for which an allowance for credit losses has not been recorded at December 31, 2023 and 2022, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position: December 31, 2023 Less than 12 months 12 months or more Total Fair Value Gross Unrealized Loss Fair Value Gross Unrealized Loss Fair Value Gross Unrealized Loss U.S. government agency securities $ 25,923 $ (21) $ 14,040 $ (1,156) $ 39,963 $ (1,177) Mortgage-backed securities - residential — — 896,971 (160,418) 896,971 (160,418) Mortgage-backed securities - commercial — — 16,961 (1,225) 16,961 (1,225) Municipal securities 14,480 (148) 188,669 (21,271) 203,149 (21,419) U.S. Treasury securities — — 108,496 (3,233) 108,496 (3,233) Corporate securities — — 3,326 (174) 3,326 (174) Total $ 40,403 $ (169) $ 1,228,463 $ (187,477) $ 1,268,866 $ (187,646) December 31, 2022 Less than 12 months 12 months or more Total Fair Value Gross Unrealized Loss Fair Value Gross Unrealized Loss Fair Value Gross Unrealized Loss U.S. government agency securities $ 23,791 $ (2,802) $ 16,271 $ (2,303) $ 40,062 $ (5,105) Mortgage-backed securities - residential 316,656 (32,470) 717,537 (157,859) 1,034,193 (190,329) Mortgage-backed securities - commercial 11,104 (968) 6,540 (597) 17,644 (1,565) Municipal securities 196,419 (26,811) 36,726 (4,602) 233,145 (31,413) U.S. Treasury securities 94,248 (4,122) 13,432 (1,499) 107,680 (5,621) Corporate securities 4,008 (492) 3,179 (321) 7,187 (813) Total $ 646,226 $ (67,665) $ 793,685 $ (167,181) $ 1,439,911 $ (234,846)
Schedule of Amortized Cost and Fair Value of Debt Securities by Contractual Maturity	December 31, 2023 2022 Available-for-sale Available-for-sale Amortized cost Fair value Amortized cost Fair value Due in one year or less $ 64,776 $ 64,279 $ 4,277 $ 4,225 Due in one to five years 75,996 71,801 161,556 152,181 Due in five to ten years 51,162 49,630 61,290 57,859 Due in over ten years 391,270 372,331 234,720 205,084 583,204 558,041 461,843 419,349 Mortgage-backed securities - residential 1,057,389 896,971 1,224,522 1,034,193 Mortgage-backed securities - commercial 18,186 16,961 19,209 17,644 Total debt securities $ 1,658,779 $ 1,471,973 $ 1,705,574 $ 1,471,186
Schedule of Sales and Other Dispositions of Available-for-Sale Securities	Sales and other dispositions of AFS debt securities were as follows: Years Ended December 31, 2023 2022 2021 Proceeds from sales $ 100,463 $ 1,218 $ 8,855 Proceeds from maturities, prepayments and calls 128,206 204,748 296,256 Gross realized gains 45 4 127 Gross realized losses 14,119 3 1

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses on Loans HFI (Tables)	12 Months Ended
	Dec. 31, 2023
Receivables [Abstract]
Schedule of Loans Outstanding by Class of Financing Receivable	Loans outstanding as of December 31, 2023 and 2022, by class of financing receivable are as follows: December 31, 2023 2022 Commercial and industrial $ 1,720,733 $ 1,645,783 Construction 1,397,313 1,657,488 Residential real estate: 1-to-4 family mortgage 1,568,552 1,573,121 Residential line of credit 530,912 496,660 Multi-family mortgage 603,804 479,572 Commercial real estate: Owner-occupied 1,232,071 1,114,580 Non-owner occupied 1,943,525 1,964,010 Consumer and other 411,873 366,998 Gross loans 9,408,783 9,298,212 Less: Allowance for credit losses on loans HFI (150,326) (134,192) Net loans $ 9,258,457 $ 9,164,020
Schedule of Credit Quality of Loan Portfolio by Year of Origination	The following tables present the credit quality of the Company's commercial type loan portfolio as of December 31, 2023 and 2022 and the gross charge-offs for the year ended December 31, 2023 by year of origination. Revolving loans are presented separately. Management considers the guidance in ASC 310-20 when determining whether a modification, extension, or renewal constitutes a current period origination. Generally, current period renewals of credit are reunderwritten at the point of renewal and considered current period originations for the purposes of the tables below. Effective January 1, 2023, the Company adopted the accounting guidance in ASU 2022-02 which requires the presentation of gross charge-offs by year of origination. The Company prospectively adopted ASU 2022-02; therefore, prior period activity of gross charge-offs by year of origination are not included in the below tables. As of and for the year ended December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total Commercial and industrial Pass $ 225,734 $ 255,921 $ 151,492 $ 39,897 $ 70,302 $ 73,415 $ 839,918 $ 1,656,679 Special Mention — 17,947 3,083 — 151 108 7,549 28,838 Classified 457 4,253 3,075 3,027 254 6,129 18,021 35,216 Total 226,191 278,121 157,650 42,924 70,707 79,652 865,488 1,720,733 Current-period gross 14 7 201 22 — 87 131 462 Construction Pass 179,929 677,387 148,312 46,697 39,140 49,954 208,491 1,349,910 Special Mention 1 4,659 2,943 1,202 — 690 12,000 21,495 Classified — 2,349 1,484 6,620 — — 15,455 25,908 Total 179,930 684,395 152,739 54,519 39,140 50,644 235,946 1,397,313 Current-period gross — — — — — — — — Residential real estate: Multi-family mortgage Pass 29,982 151,495 223,889 92,745 29,933 43,479 31,209 602,732 Special Mention — — — — — — — — Classified — — — — — 1,072 — 1,072 Total 29,982 151,495 223,889 92,745 29,933 44,551 31,209 603,804 Current-period gross — — — — — — — — Commercial real estate: Owner occupied Pass 118,030 261,196 231,241 115,397 151,146 281,253 53,970 1,212,233 Special Mention — 1,297 1,827 — 154 2,617 — 5,895 Classified — 6,305 16 — 760 5,789 1,073 13,943 Total 118,030 268,798 233,084 115,397 152,060 289,659 55,043 1,232,071 Current-period gross — — 144 — — — — 144 Non-owner occupied Pass 47,026 474,560 478,878 117,429 178,448 580,168 43,577 1,920,086 Special Mention — — 3,975 — — 10,435 — 14,410 Classified — — 1,001 — 381 7,647 — 9,029 Total 47,026 474,560 483,854 117,429 178,829 598,250 43,577 1,943,525 Current-period gross — — — — — — — — Total commercial loan types Pass 600,701 1,820,559 1,233,812 412,165 468,969 1,028,269 1,177,165 6,741,640 Special Mention 1 23,903 11,828 1,202 305 13,850 19,549 70,638 Classified 457 12,907 5,576 9,647 1,395 20,637 34,549 85,168 Total $ 601,159 $ 1,857,369 $ 1,251,216 $ 423,014 $ 470,669 $ 1,062,756 $ 1,231,263 $ 6,897,446 Current-period gross $ 14 $ 7 $ 345 $ 22 $ — $ 87 $ 131 $ 606 As of December 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Loans Amortized Cost Basis Total Commercial and industrial Pass $ 396,643 $ 204,000 $ 67,231 $ 90,894 $ 39,780 $ 62,816 $ 762,717 $ 1,624,081 Special Mention 125 7 — 160 143 771 2,520 3,726 Classified 65 823 1,916 1,651 273 6,913 6,335 17,976 Total 396,833 204,830 69,147 92,705 40,196 70,500 771,572 1,645,783 Construction Pass 682,885 495,723 142,233 84,599 17,360 44,326 188,906 1,656,032 Special Mention — — 15 — — 707 — 722 Classified 80 309 — — — 345 — 734 Total 682,965 496,032 142,248 84,599 17,360 45,378 188,906 1,657,488 Residential real estate: Multi-family mortgage Pass 142,912 147,168 96,819 33,547 6,971 37,385 13,604 478,406 Special Mention — — — — — — — — Classified — — — — — 1,166 — 1,166 Total 142,912 147,168 96,819 33,547 6,971 38,551 13,604 479,572 Commercial real estate: Owner occupied Pass 237,862 223,883 110,748 148,405 66,101 246,414 57,220 1,090,633 Special Mention 101 683 — 168 2,225 1,258 5,000 9,435 Classified — 1,293 224 4,589 1,276 7,018 112 14,512 Total 237,963 225,859 110,972 153,162 69,602 254,690 62,332 1,114,580 Non-owner occupied Pass 467,360 440,319 131,497 159,205 210,752 473,607 60,908 1,943,648 Special Mention — — — — 82 2,459 — 2,541 Classified — 2,258 — 146 3,270 12,147 — 17,821 Total 467,360 442,577 131,497 159,351 214,104 488,213 60,908 1,964,010 Total commercial loan types Pass 1,927,662 1,511,093 548,528 516,650 340,964 864,548 1,083,355 6,792,800 Special Mention 226 690 15 328 2,450 5,195 7,520 16,424 Classified 145 4,683 2,140 6,386 4,819 27,589 6,447 52,209 Total $ 1,928,033 $ 1,516,466 $ 550,683 $ 523,364 $ 348,233 $ 897,332 $ 1,097,322 $ 6,861,433 The following tables present the credit quality by classification (performing or nonperforming) of the Company's consumer type loan portfolio as of December 31, 2023 and 2022 and the gross charge-offs for the year ended December 31, 2023 by year of origination. Revolving loans are presented separately. Management considers the guidance in ASC 310-20 when determining whether a modification, extension, or renewal constitutes a current period origination. Generally, current period renewals of credit are reunderwritten at the point of renewal and considered current period originations for the purposes of the tables below. Effective January 1, 2023, the Company adopted the accounting guidance in ASU 2022-02 which requires the presentation of gross charge-offs by year of origination. The Company prospectively adopted ASU 2022-02; therefore, prior period balances for gross charge-offs by year of origination are not included in the below tables. As of and for the year ended December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total Residential real estate: 1-to-4 family mortgage Performing $ 198,537 $ 500,628 $ 399,338 $ 145,484 $ 81,905 $ 226,587 $ — $ 1,552,479 Nonperforming 76 2,565 4,026 3,846 690 4,870 — 16,073 Total 198,613 503,193 403,364 149,330 82,595 231,457 — 1,568,552 Current-period gross — 18 — 4 — 24 — 46 Residential line of credit Performing — — — — — — 528,439 528,439 Nonperforming — — — — — — 2,473 2,473 Total — — — — — — 530,912 530,912 Current-period gross — — — — — — — — Consumer and other Performing 104,399 91,557 45,187 34,928 24,040 93,833 6,890 400,834 Nonperforming 528 1,025 2,562 1,819 1,264 3,841 — 11,039 Total 104,927 92,582 47,749 36,747 25,304 97,674 6,890 411,873 Current-period gross 1,463 564 139 201 110 372 2 2,851 Total consumer type loans Performing 302,936 592,185 444,525 180,412 105,945 320,420 535,329 2,481,752 Nonperforming 604 3,590 6,588 5,665 1,954 8,711 2,473 29,585 Total $ 303,540 $ 595,775 $ 451,113 $ 186,077 $ 107,899 $ 329,131 $ 537,802 $ 2,511,337 Current-period gross $ 1,463 $ 582 $ 139 $ 205 $ 110 $ 396 $ 2 $ 2,897 As of December 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Loans Amortized Cost Basis Total Residential real estate: 1-to-4 family mortgage Performing $ 568,210 $ 448,401 $ 160,715 $ 93,548 $ 68,113 $ 211,019 $ — $ 1,550,006 Nonperforming 1,227 5,163 5,472 1,778 2,044 7,431 — 23,115 Total 569,437 453,564 166,187 95,326 70,157 218,450 — 1,573,121 Residential line of credit Performing — — — — — — 495,129 495,129 Nonperforming — — — — — — 1,531 1,531 Total — — — — — — 496,660 496,660 Consumer and other Performing 118,637 56,779 41,008 29,139 26,982 82,318 4,175 359,038 Nonperforming 166 1,396 1,460 906 1,507 2,525 — 7,960 Total 118,803 58,175 42,468 30,045 28,489 84,843 4,175 366,998 Total consumer type loans Performing 686,847 505,180 201,723 122,687 95,095 293,337 499,304 2,404,173 Nonperforming 1,393 6,559 6,932 2,684 3,551 9,956 1,531 32,606 Total $ 688,240 $ 511,739 $ 208,655 $ 125,371 $ 98,646 $ 303,293 $ 500,835 $ 2,436,779
Schedule of Analysis of Aging by Class of Financing Receivable	The following tables represent an analysis of the aging by class of financing receivable as of December 31, 2023 and 2022: December 31, 2023 30-89 days 90 days or Nonaccrual Loans current Total Commercial and industrial $ 732 $ — $ 21,730 $ 1,698,271 $ 1,720,733 Construction 6,579 165 2,872 1,387,697 1,397,313 Residential real estate: 1-to-4 family mortgage 21,768 9,355 6,718 1,530,711 1,568,552 Residential line of credit 2,464 1,337 1,136 525,975 530,912 Multi-family mortgage — — 32 603,772 603,804 Commercial real estate: Owner occupied 480 — 3,188 1,228,403 1,232,071 Non-owner occupied 4,059 — 3,351 1,936,115 1,943,525 Consumer and other 10,961 1,836 9,203 389,873 411,873 Total $ 47,043 $ 12,693 $ 48,230 $ 9,300,817 $ 9,408,783 December 31, 2022 30-89 days 90 days or Nonaccrual Loans current on payments and accruing interest Total Commercial and industrial $ 1,650 $ 136 $ 1,307 $ 1,642,690 $ 1,645,783 Construction 1,246 — 389 1,655,853 1,657,488 Residential real estate: 1-to-4 family mortgage 15,470 16,639 6,476 1,534,536 1,573,121 Residential line of credit 772 131 1,400 494,357 496,660 Multi-family mortgage — — 42 479,530 479,572 Commercial real estate: Owner occupied 1,948 — 5,410 1,107,222 1,114,580 Non-owner occupied 102 — 5,956 1,957,952 1,964,010 Consumer and other 10,108 1,509 6,451 348,930 366,998 Total $ 31,296 $ 18,415 $ 27,431 $ 9,221,070 $ 9,298,212
Schedule of Amortized Cost, Related Allowance and Interest Income of Non-accrual Loans	December 31, 2023 Nonaccrual Nonaccrual Related Year to date Interest Income Commercial and industrial $ 3,678 $ 18,052 $ 5,011 $ 2,451 Construction 2,267 605 59 335 Residential real estate: 1-to-4 family mortgage 1,444 5,274 103 410 Residential line of credit 685 451 8 141 Multi-family mortgage — 32 1 3 Commercial real estate: Owner occupied 2,920 268 15 514 Non-owner occupied 3,316 35 1 1,221 Consumer and other — 9,203 498 1,053 Total $ 14,310 $ 33,920 $ 5,696 $ 6,128 December 31, 2022 Nonaccrual Nonaccrual Related Year to date Interest Income Commercial and industrial $ 790 $ 517 $ 10 $ 181 Construction — 389 7 28 Residential real estate: 1-to-4 family mortgage 2,834 3,642 78 274 Residential line of credit 1,134 266 4 136 Multi-family mortgage 1 41 1 3 Commercial real estate: Owner occupied 5,200 210 1 232 Non-owner occupied 5,755 201 5 332 Consumer and other — 6,451 327 358 Total $ 15,714 $ 11,717 $ 433 $ 1,544
Schedule of Financial Effect of TDRs	The following table presents the financial effect of TDRs recorded during the periods indicated: Year Ended December 31, 2022 Number of loans Pre-modification outstanding recorded investment Post-modification outstanding recorded investment Charge offs and specific reserves Commercial and industrial 3 $ 612 $ 522 $ — Commercial real estate: Residential real estate: 1-to-4 family mortgage 3 391 707 — Residential line of credit 1 49 49 — Consumer and other 2 23 23 — Total 9 $ 1,075 $ 1,301 $ — Year Ended December 31, 2021 Number of loans Pre-modification outstanding recorded investment Post-modification outstanding recorded investment Charge offs and specific reserves Commercial and industrial 8 $ 15,430 $ 15,430 $ 446 Construction — — — — Commercial real estate: Owner occupied 7 5,209 5,209 — Non-owner occupied 1 11,997 11,997 — Residential real estate: 1-to-4 family mortgage 3 945 945 — Residential line of credit 3 485 485 — Multi-family mortgage 1 49 49 — Total 23 $ 34,115 $ 34,115 $ 446
Schedule of Individually Assessed Allowance for Credit Losses for Collateral Dependent Loans	For loans for which the repayment (based on the Company's assessment) is expected to be provided substantially through the operation or sale of collateral and the borrower is experiencing financial difficulty, the following tables present the loans and the corresponding individually assessed allowance for credit losses by class of financing receivable. Significant changes in individually assessed reserves are due to changes in the valuation of the underlying collateral in addition to changes in accrual and past due status. December 31, 2023 Type of Collateral Real Estate Farmland Business Assets Total Individually assessed allowance for credit loss Commercial and industrial $ — $ 363 $ 20,599 $ 20,962 $ 4,946 Construction 8,224 — — 8,224 30 Residential real estate: 1-to-4 family mortgage 5,317 — — 5,317 129 Residential line of credit 1,245 — — 1,245 10 Commercial real estate: Owner occupied 1,975 1,160 — 3,135 — Non-owner occupied 3,316 — — 3,316 — Consumer and other 112 — — 112 21 Total $ 20,189 $ 1,523 $ 20,599 $ 42,311 $ 5,136 December 31, 2022 Type of Collateral Real Estate Business Assets Total Individually assessed allowance for credit loss Commercial and industrial $ 2,596 $ — $ 2,596 $ — Residential real estate: 1-to-4 family mortgage 4,467 — 4,467 194 Residential line of credit 1,135 — 1,135 — Commercial real estate: Owner occupied 5,424 — 5,424 — Non-owner occupied 5,755 — 5,755 — Consumer and other 134 — 134 — Total $ 19,511 $ — $ 19,511 $ 194
Schedule of Changes in Allowance for Credit Losses on Loans HFI by Class of Financing Receivable	The following tables provide the changes in the allowance for credit losses on loans HFI by class of financing receivable for the years ended December 31, 2023, 2022, and 2021: Commercial Construction 1-to-4 Residential Multi-family Commercial Commercial Consumer Total Year Ended December 31, 2023 Beginning balance - December 31, 2022 $ 11,106 $ 39,808 $ 26,141 $ 7,494 $ 6,490 $ 7,783 $ 21,916 $ 13,454 $ 134,192 Provision for (reversal of) 8,682 (4,446) 310 1,973 2,352 2,905 (784) 5,746 16,738 Recoveries of loans previously charged-off 273 10 100 1 — 109 1,833 573 2,899 Loans charged off (462) — (46) — — (144) — (2,851) (3,503) Ending balance - December 31, 2023 $ 19,599 $ 35,372 $ 26,505 $ 9,468 $ 8,842 $ 10,653 $ 22,965 $ 16,922 $ 150,326 Commercial Construction 1-to-4 Residential Multi-family Commercial Commercial Consumer Total Year Ended December 31, 2022 Beginning balance - December 31, 2021 $ 15,751 $ 28,576 $ 19,104 $ 5,903 $ 6,976 $ 12,593 $ 25,768 $ 10,888 $ 125,559 (Reversal of) provision for (4,563) 11,221 7,060 1,574 (486) (4,883) (3,584) 4,054 10,393 Recoveries of loans previously charged-off 2,005 11 54 17 — 88 — 766 2,941 Loans charged off (2,087) — (77) — — (15) (268) (2,254) (4,701) Ending balance - $ 11,106 $ 39,808 $ 26,141 $ 7,494 $ 6,490 $ 7,783 $ 21,916 $ 13,454 $ 134,192 Commercial Construction 1-to-4 Residential Multi-family Commercial Commercial Consumer Total Year Ended December 31, 2021 Beginning balance - December 31, 2020 $ 14,748 $ 58,477 $ 19,220 $ 10,534 $ 7,174 $ 4,849 $ 44,147 $ 11,240 $ 170,389 Provision for (reversal of) 4,178 (29,874) (87) (4,728) (197) 7,588 (16,813) 938 (38,995) Recoveries of loans previously charged-off 861 3 125 115 — 156 — 773 2,033 Loans charged off (4,036) (30) (154) (18) (1) — (1,566) (2,063) (7,868) Ending balance - $ 15,751 $ 28,576 $ 19,104 $ 5,903 $ 6,976 $ 12,593 $ 25,768 $ 10,888 $ 125,559

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2023
Property, Plant and Equipment [Abstract]
Schedule of Premises and Equipment and Related Accumulated Depreciation	Premises and equipment and related accumulated depreciation as of December 31, 2023 and 2022, are as follows: 2023 2022 Land $ 35,092 $ 32,985 Premises 112,092 109,277 Furniture, fixtures and equipment 25,734 49,203 Leasehold improvements 28,271 19,001 Construction in process 4,943 10,230 Finance lease 1,256 1,367 207,388 222,063 Less: accumulated depreciation and amortization (51,657) (75,747) Total premises and equipment $ 155,731 $ 146,316

Other Real Estate Owned (Tables

Other Real Estate Owned (Tables)	12 Months Ended
	Dec. 31, 2023
Real Estate [Abstract]
Schedule of Other Real Estate Owned	The following table summarizes the other real estate owned for the years ended December 31, 2023, 2022, and 2021: Years Ended December 31, 2023 2022 2021 Balance at beginning of period $ 5,794 $ 9,777 $ 12,111 Transfers from loans 2,736 1,437 5,262 Transfers to other assets (75) — — Transfers to premises and equipment — (351) — Proceeds from sale of other real estate owned (6,083) (4,955) (9,396) Gain on sale of other real estate owned 835 328 3,248 Loans provided for sales of other real estate owned — — (704) Write-downs and partial liquidations (15) (442) (744) Balance at end of period $ 3,192 $ 5,794 $ 9,777

Goodwill and Intangible Assets

Goodwill and Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Core Deposit and Other Intangibles	The composition of core deposit and other intangibles, which excludes fully amortized intangibles, as of December 31, 2023 and 2022 is as follows: Core deposit and other intangibles Gross Carrying Amount Accumulated Amortization Net Carrying Amount December 31, 2023 Core deposit intangible $ 59,835 $ (51,699) $ 8,136 Customer base trust intangible 1,600 (1,027) 573 Total core deposit and other intangibles $ 61,435 $ (52,726) $ 8,709 December 31, 2022 Core deposit intangible $ 59,835 $ (48,200) $ 11,635 Customer base trust intangible 1,600 (867) 733 Total core deposit and other intangibles $ 61,435 $ (49,067) $ 12,368
Schedule of Estimated Aggregate Amortization Expense of Core Deposit and Other Intangibles	he estimated aggregate future amortization expense of core deposit and other intangibles is as follows: 2024 $ 2,946 2025 2,306 2026 1,563 2027 1,080 2028 572 Thereafter 242 $ 8,709

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2023
Leases [Abstract]
Schedule of Information Related to Company's Leases and Lease Expense	Information related to the Company's leases is presented below as of December 31, 2023 and 2022: December 31, Classification 2023 2022 Right-of-use assets: Operating leases Operating lease right-of-use assets $ 54,295 $ 60,043 Finance leases Premises and equipment, net 1,256 1,367 Total right-of-use assets $ 55,551 $ 61,410 Lease liabilities: Operating leases Operating lease liabilities $ 67,643 $ 69,754 Finance leases Borrowings 1,326 1,420 Total lease liabilities $ 68,969 $ 71,174 Weighted average remaining lease term (in years) - 11.6 12.1 Weighted average remaining lease term (in years) - 11.4 12.4 Weighted average discount rate - operating 3.39 % 3.08 % Weighted average discount rate - finance 1.76 % 1.76 % The components of total lease expense included in the consolidated statements of income were as follows: Years Ended December 31, Classification 2023 2022 2021 Operating lease costs: Amortization of right-of-use asset Occupancy and equipment $ 8,516 $ 8,441 $ 7,636 Short-term lease cost Occupancy and equipment 540 526 427 Variable lease cost Occupancy and equipment 1,205 1,078 1,003 Loss (gain) on lease modifications (1) 1,770 346 (805) Finance lease costs: Interest on lease liabilities Interest expense on borrowings 24 28 25 Amortization of right-of-use asset Occupancy and equipment 111 120 101 Sublease income Occupancy and equipment (957) (993) (573) Total lease cost $ 11,209 $ 9,546 $ 7,814 (1) Loss (gain) on lease modifications and terminations is included in “ Occupancy and equipment ” within the Company's consolidated statements of income for the years ended December 31, 2023 and 2021. For the year ended December 31, 2022, loss (gain) on lease modifications and terminations of $364 and $(18) is included in “ Mortgage restructuring expense ” and “ Occupancy and equipment, ” respectively, within the Company's consolidated statements of income.
Schedule of Maturity Analysis of Operating Lease Liabilities	A maturity analysis of operating and finance lease liabilities and a reconciliation of undiscounted cash flows to lease liabilities as of December 31, 2023 is as follows: Operating Finance Leases Lease Lease payments due: December 31, 2024 $ 8,453 $ 120 December 31, 2025 8,448 121 December 31, 2026 8,328 123 December 31, 2027 7,878 125 December 31, 2028 6,979 127 Thereafter 44,147 850 Total undiscounted future minimum lease payments 84,233 1,466 Less: imputed interest (16,590) (140) Lease liabilities $ 67,643 $ 1,326
Schedule of Maturity of Finance Lease Liabilities	A maturity analysis of operating and finance lease liabilities and a reconciliation of undiscounted cash flows to lease liabilities as of December 31, 2023 is as follows: Operating Finance Leases Lease Lease payments due: December 31, 2024 $ 8,453 $ 120 December 31, 2025 8,448 121 December 31, 2026 8,328 123 December 31, 2027 7,878 125 December 31, 2028 6,979 127 Thereafter 44,147 850 Total undiscounted future minimum lease payments 84,233 1,466 Less: imputed interest (16,590) (140) Lease liabilities $ 67,643 $ 1,326

Mortgage Servicing Rights (Tabl

Mortgage Servicing Rights (Tables)	12 Months Ended
	Dec. 31, 2023
Transfers and Servicing of Financial Assets [Abstract]
Schedule of Changes in Mortgage Servicing Rights	Changes in the Company’s mortgage servicing rights were as follows for the years ended December 31, 2023, 2022, and 2021: Years Ended December 31, 2023 2022 2021 Carrying value at beginning of period $ 168,365 $ 115,512 $ 79,997 Capitalization 7,192 20,809 39,018 Change in fair value: Due to payoffs/paydowns (12,327) (16,012) (30,583) Due to change in valuation inputs or assumptions 1,019 48,056 27,080 Carrying value at end of period $ 164,249 $ 168,365 $ 115,512
Schedule of Servicing Income and Expense Included in Mortgage Banking Income	The following table summarizes servicing income and expense, which are included in “Mortgage banking income” and “Other noninterest expense,” respectively, in the consolidated statements of income for the years ended December 31, 2023, 2022, and 2021: Years Ended December 31, 2023 2022 2021 Servicing income: Servicing income $ 30,263 $ 30,763 $ 28,890 Change in fair value of mortgage servicing rights (11,308) 32,044 (3,503) Change in fair value of derivative hedging instruments (4,918) (42,143) (8,614) Servicing income 14,037 20,664 16,773 Servicing expenses 8,093 10,259 9,862 Net servicing income $ 5,944 $ 10,405 $ 6,911
Schedule of Data and Key Economic Assumptions Related to Mortgage Servicing Rights	Data and key economic assumptions related to the Company’s mortgage servicing rights as of December 31, 2023 and 2022 are as follows: December 31, 2023 2022 Unpaid principal balance of mortgage loans sold and serviced for others $ 10,762,906 $ 11,086,582 Weighted-average prepayment speed (CPR) 6.19 % 5.55 % Estimated impact on fair value of a 10% increase $ (4,616) $ (4,886) Estimated impact on fair value of a 20% increase $ (8,924) $ (9,447) Discount rate 9.62 % 9.10 % Estimated impact on fair value of a 100 bp increase $ (7,637) $ (8,087) Estimated impact on fair value of a 200 bp increase $ (14,624) $ (15,475) Weighted-average coupon interest rate 3.47 % 3.31 % Weighted-average servicing fee (basis points) 27 27 Weighted-average remaining maturity (in months) 334 332

Other Assets and Other Liabil_2

Other Assets and Other Liabilities (Tables)	12 Months Ended
	Dec. 31, 2023
Other Assets And Other Liabilities [Abstract]
Schedule of Other Assets	Included in other assets are: As of December 31, Other assets 2023 2022 Derivatives (See Note 15) 34,738 48,769 Deferred tax asset (See Note 12) 31,631 42,412 Equity securities without readily determinable market value 25,191 22,496 FHLB lender risk account receivable 20,258 19,737 Mortgage lending receivable 16,344 14,425 Pledged collateral on derivative instruments 14,042 23,325 Prepaid expenses 13,594 9,280 Current income tax receivable 5,930 7,373 Software 525 108 Other assets 41,156 40,031 Total other assets $ 203,409 $ 227,956
Schedule of Other Liabilities	Included in other liabilities are: As of December 31, Other liabilities 2023 2022 Derivatives (See Note 15) 38,215 63,229 Accrued interest payable 18,809 8,648 Accrued payroll 18,406 13,592 FHLB lender risk account guaranty 9,746 9,558 Allowance for credit losses on unfunded commitments (See Note 14) 8,770 22,969 Deferred compensation 2,152 2,424 Mortgage buyback reserve (See Note 14) 899 1,621 Other liabilities 45,625 58,932 Total other liabilities $ 142,622 $ 180,973

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2023
Deposits [Abstract]
Schedule of Maturities of Time Deposits	At December 31, 2023, the scheduled maturities of time deposits are as follows: Scheduled maturities of time deposits Due on or before: December 31, 2024 $ 1,279,052 December 31, 2025 309,929 December 31, 2026 14,902 December 31, 2027 10,239 December 31, 2028 6,504 Thereafter 7 Total $ 1,620,633

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2023
Debt Disclosure [Abstract]
Schedule of Long-term Debt Instruments	The Company has access to various sources of funds that allow for management of interest rate exposure and liquidity. The following table summarizes the Company's outstanding borrowings and weighted average interest rates as of December 31, 2023 and 2022: Outstanding Balance Weighted Average Interest Rate December 31, December 31, 2023 2022 2023 2022 Securities sold under agreements to repurchase $ 108,764 $ 86,945 5.05 % 3.78 % FHLB advances — 175,000 — % 4.44 % Bank Term Funding Program 130,000 — 4.85 % — % Subordinated debt, net 129,645 126,101 5.52 % 5.31 % Other borrowings 22,555 27,631 0.10 % 0.09 % Total $ 390,964 $ 415,677
Schedule of Securities Sold under Agreement to Repurchase	Information concerning securities sold under agreement to repurchase and federal funds purchased is summarized as follows: December 31, 2023 December 31, 2022 Balance at year end $ 108,764 $ 86,945 Average daily balance during the year 29,860 28,497 Average interest rate during the year 2.24 % 0.23 % Maximum month-end balance during the year $ 116,220 $ 86,945 Weighted average interest rate at year-end 5.05 % 3.78 %
Schedule of Federal Home Loan Bank, Advances	Information concerning FHLB advances as of or for the years ended December 31, 2023 and 2022 is summarized within the table below. December 31, 2023 December 31, 2022 Balance at year end $ — $ 175,000 Average daily balance during the year 28,973 171,142 Average interest rate during the year 5.13 % 3.26 % Maximum month-end balance during the year $ 125,000 $ 540,000 Weighted average interest rate at year-end — % 4.44 %
Schedule of Bank Term Funding Program	Information concerning the Bank Term Funding Program as of or for the year ended December 31, 2023 is summarized within the table below. December 31, 2023 Balance at year end $ 130,000 Average daily balance during the year 1,781 Average interest rate during the year 4.85 % Maximum month-end balance during the year $ 130,000 Weighted average interest rate at year-end 4.85 %
Schedule of Subordinated Borrowing	Further information related to the Company's subordinated debt as of December 31, 2023 is detailed below: Name Year Established Maturity Call Date Total Debt Outstanding Interest Rate Coupon Structure Subordinated Debt issued by Trust Preferred Securities: FBK Trust I (1) 2003 06/09/2033 6/09/2008 $ 9,280 8.84% 3-month SOFR plus 3.51% FBK Trust II (1) 2003 06/26/2033 6/26/2008 21,650 8.77% 3-month SOFR plus 3.41% Additional Subordinated Debt: FBK Subordinated Debt I (2) 2020 09/01/2030 9/1/2025 100,000 4.50% Semi-annual Fixed (3) Unamortized debt issuance costs (612) Fair Value Hedge (See Note 15, “ Derivatives ” ) (673) Total Subordinated Debt, net $ 129,645 (1) The Company classifies $30,000 of the trusts' subordinated debt as Tier 1 capital. (2) The Company classified the issuance, net of unamortized issuance costs and the associated fair value hedge as Tier 2 capital, which will be phased out 20% per year in the final five years before maturity. (3) Beginning on September 1, 2025 the coupon structure migrates to the 3-month SOFR plus a spread of 439 basis points through the end of the term of the debenture.

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2023
Income Tax Disclosure [Abstract]
Schedule of Allocation of Federal and State Income Taxes between Current and Deferred Portions	An allocation of federal and state income taxes between current and deferred portions is presented below: Years Ended December 31, 2023 2022 2021 Current $ 31,467 $ 22,451 $ 21,980 Deferred (1,415) 12,552 30,770 Total $ 30,052 $ 35,003 $ 52,750
Schedule of Reconciliation of Income Taxes	The following table presents a reconciliation of federal income taxes at the statutory federal rate of 21% to the Company's effective tax rates for the years ended December 31, 2023, 2022, and 2021: Years Ended December 31, 2023 2022 2021 Federal taxes calculated at statutory rate $ 31,561 21.0 % $ 33,510 21.0 % $ 51,041 21.0 % (Decrease) increase resulting from: State taxes, net of federal benefit (158) (0.1) % 3,845 2.4 % 8,788 3.5 % Expense (benefit) from equity based compensation 219 0.1 % (392) (0.2) % (2,719) (1.1) % Municipal interest income, net of interest disallowance (1,804) (1.2) % (1,774) (1.1) % (1,818) (0.8) % Bank-owned life insurance (393) (0.3) % (305) (0.2) % (324) (0.1) % NOL Carryback provision under CARES Act — — % — — % (3,424) (1.4) % Offering costs — — % — — % 123 0.1 % Section 162(m) limitation 244 0.2 % 241 0.1 % 1,381 0.6 % Other 383 0.3 % (122) (0.1) % (298) (0.1) % Income tax expense, as reported $ 30,052 20.0 % $ 35,003 21.9 % $ 52,750 21.7 %
Schedule of Net Deferred Tax Assets (Liabilities)	The components of the deferred tax assets and liabilities at December 31, 2023 and 2022, are as follows: December 31, 2023 2022 Deferred tax assets: Allowance for credit losses $ 39,228 $ 38,646 Operating lease liabilities 24,607 25,882 Net operating loss 805 1,088 Amortization of core deposit intangibles 1,135 653 Deferred compensation 7,433 5,245 Unrealized loss on debt securities 48,714 61,004 Other assets 4,863 6,691 Subtotal 126,785 139,209 Deferred tax liabilities: FHLB stock dividends $ (263) $ (484) Operating leases - right of use assets (21,312) (24,478) Depreciation (5,996) (7,274) Unrealized gain on equity securities (2,122) (2,287) Unrealized gain on cash flow hedges (151) (327) Mortgage servicing rights (42,797) (43,869) Goodwill (17,995) (15,869) Other liabilities (4,518) (2,209) Subtotal (95,154) (96,797) Net deferred tax assets $ 31,631 $ 42,412

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2023
Commitments and Contingencies Disclosure [Abstract]
Schedule of Financial Instruments with Off-Balance Sheet Credit Risk	December 31, 2023 2022 Commitments to extend credit, excluding interest rate lock commitments $ 2,906,016 $ 3,563,982 Letters of credit 77,055 71,250 Balance at end of period $ 2,983,071 $ 3,635,232
Schedule of Allowance of Credit Losses on Unfunded Commitments	The table below presents activity within the allowance for credit losses on unfunded loan commitments included in accrued expenses and other liabilities on the Company's consolidated balance sheets: Years Ended December 31, 2023 2022 2021 Balance at beginning of period $ 22,969 $ 14,380 $ 16,378 (Reversal of) provision for credit losses on unfunded commitments (14,199) 8,589 (1,998) Balance at end of period $ 8,770 $ 22,969 $ 14,380
Schedule of Activity in the Repurchase Reserve	The following table summarizes the activity in the repurchase reserve included in “Accrued expenses and other liabilities” on the Company's consolidated balance sheets: Years Ended December 31, 2023 2022 2021 Balance at beginning of period $ 1,621 $ 4,802 $ 5,928 Provision for loan repurchases or indemnifications (650) (2,989) (766) Losses on loans repurchased or indemnified (72) (192) (360) Balance at end of period $ 899 $ 1,621 $ 4,802

Derivatives (Tables)

Derivatives (Tables)	12 Months Ended
	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Financial Instruments	December 31, 2023 December 31, 2022 Remaining Maturity (In Years) Receive Fixed Rate Pay Floating Rate Notional Amount Estimated fair value Notional Amount Estimated fair value Derivatives included in other Interest rate swap 0.64 1.50% SOFR 75,000 (1,686) 75,000 (3,693) Interest rate swap 0.64 1.50% SOFR 125,000 (2,811) 125,000 (6,154) Interest rate swap 0.17 1.46% SOFR 100,000 (673) 100,000 (3,830) Total 0.49 1.48% $ 300,000 $ (5,170) $ 300,000 $ (13,677) The following presents a summary of the Company's designated cash flow hedges as of the dates presented: December 31, 2023 December 31, 2022 Notional Amount Estimated fair value Balance sheet location Estimated fair value Balance sheet location Interest rate swap agreements- $ 30,000 $ 579 Other assets $ 1,255 Other assets The following tables provide details on the Company’s non-designated derivative financial instruments as of the dates presented: December 31, 2023 Notional Amount Asset Liability Interest rate contracts $ 569,865 $ 32,179 $ 32,184 Forward commitments 159,000 — 861 Interest rate-lock commitments 69,217 1,203 — Futures contracts 254,000 777 — Total $ 1,052,082 $ 34,159 $ 33,045 December 31, 2022 Notional Amount Asset Liability Interest rate contracts $ 560,310 $ 45,775 $ 45,762 Forward commitments 207,000 306 — Interest rate-lock commitments 118,313 1,433 — Futures contracts 494,300 — 3,790 Total $ 1,379,923 $ 47,514 $ 49,552
Schedule of Derivative Instruments in Statement of Financial Position, Fair Value	The following discloses the amount of expense included in interest expense on borrowings and deposits, related to these fair value hedging instruments: Years Ended December 31, 2023 2022 Designated fair value hedge: Interest expense on deposits $ (7,176) $ (717) Interest expense on borrowings (3,630) (395) Total $ (10,806) $ (1,112)
Schedule of Derivative Liabilities at Fair Value	The following amounts were recorded on the balance sheet related to cumulative adjustments of fair value hedges as of the dates presented: Carrying Amount of the Hedged Item Cumulative Decrease in Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Item Line item on the balance sheet December 31, 2023 December 31, 2022 December 31, 2023 December 31, 2022 Money market and savings deposits $ 198,143 $ 196,520 (1) $ (4,497) $ (9,847) Borrowings 98,715 95,171 (2) (673) (3,830) Total $ 296,858 $ 291,691 $ (5,170) $ (13,677) (1) The carrying value also includes an unaccreted purchase accounting fair value premium of $2,640 and $6,367 as of December 31, 2023 and 2022, respectively. (2) The carrying value also includes unamortized subordinated debt issuance costs of $612 and $999 as of December 31, 2023 and 2022, respectively.
Schedule of Gains (Losses) Included in the Consolidated Statements of Income Related to Derivative Financial Instruments	The following discloses the amount included in other comprehensive (loss) income, net of tax, for derivative instruments designated as cash flow hedges for the periods presented: Years Ended December 31, 2023 2022 2021 Amount of (loss) gain recognized in other comprehensive (loss) income, net of tax (benefit) expense of $(176), $532 and $293 $ (500) $ 1,508 $ 831 (Losses) gains included in the consolidated statements of income related to the Company’s non-designated derivative financial instruments were as follows: Years Ended December 31, 2023 2022 2021 Included in mortgage banking income: Interest rate lock commitments $ (230) $ (5,764) $ (27,194) Forward commitments 953 55,804 25,661 Futures contracts (3,366) (36,381) (7,949) Option contracts (1,125) 36 — Total $ (3,768) $ 13,695 $ (9,482)
Schedule of Offsetting Assets	Gross amounts not offset on the consolidated balance sheets Gross amounts recognized Gross amounts offset on the consolidated balance sheets Net amounts presented on the consolidated balance sheets Financial instruments Financial collateral pledged Net Amount December 31, 2023 Derivative financial assets $ 31,468 $ — $ 31,468 $ 6,502 $ — $ 24,966 Derivative financial liabilities $ 11,330 $ — $ 11,330 $ 6,502 $ 4,828 $ — December 31, 2022 Derivative financial assets $ 44,273 $ — $ 44,273 $ 14,229 $ — $ 30,044 Derivative financial liabilities $ 20,251 $ — $ 20,251 $ 14,229 $ 6,022 $ —
Schedule of Offsetting Liabilities	Gross amounts not offset on the consolidated balance sheets Gross amounts recognized Gross amounts offset on the consolidated balance sheets Net amounts presented on the consolidated balance sheets Financial instruments Financial collateral pledged Net Amount December 31, 2023 Derivative financial assets $ 31,468 $ — $ 31,468 $ 6,502 $ — $ 24,966 Derivative financial liabilities $ 11,330 $ — $ 11,330 $ 6,502 $ 4,828 $ — December 31, 2022 Derivative financial assets $ 44,273 $ — $ 44,273 $ 14,229 $ — $ 30,044 Derivative financial liabilities $ 20,251 $ — $ 20,251 $ 14,229 $ 6,022 $ —

Fair Value of Financial Instr_2

Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2023
Fair Value Disclosures [Abstract]
Schedule of Balances and Levels of Assets Measured at Fair Value on Recurring Basis	The balances and levels of the assets and liabilities measured at fair value on a recurring basis as of December 31, 2023 and 2022 are presented in the following tables: At December 31, 2023 Quoted prices Significant Significant unobservable Total Recurring valuations: Financial assets: Available-for-sale securities: U.S. government agency securities $ — $ 203,956 $ — $ 203,956 Mortgage-backed securities - residential — 896,971 — 896,971 Mortgage-backed securities - commercial — 16,961 — 16,961 Municipal securities — 242,263 — 242,263 U.S. Treasury securities — 108,496 — 108,496 Corporate securities — 3,326 — 3,326 Total securities $ — $ 1,471,973 $ — $ 1,471,973 Loans held for sale, at fair value $ — $ 46,618 $ — $ 46,618 Mortgage servicing rights — — 164,249 164,249 Derivatives — 34,738 — 34,738 Financial Liabilities: Derivatives — 38,215 — 38,215 At December 31, 2022 Quoted prices Significant Significant unobservable Total Recurring valuations: Financial assets: Available-for-sale securities: U.S. government agency securities $ — $ 40,062 $ — $ 40,062 Mortgage-backed securities - residential — 1,034,193 — 1,034,193 Mortgage-backed securities - commercial — 17,644 — 17,644 Municipal securities — 264,420 — 264,420 U.S. Treasury securities — 107,680 — 107,680 Corporate securities — 7,187 — 7,187 Equity securities, at fair value — 2,990 — 2,990 Total securities $ — $ 1,474,176 $ — $ 1,474,176 Loans held for sale, at fair value $ — $ 82,750 $ 30,490 $ 113,240 Mortgage servicing rights — — 168,365 168,365 Derivatives — 48,769 — 48,769 Financial Liabilities: Derivatives — 63,229 — 63,229
Schedule of Balances and Levels of Assets Measured at Fair Value on Non-recurring Basis	The balances and levels of the assets measured at fair value on a nonrecurring basis as of December 31, 2023 and 2022 are presented in the following tables: At December 31, 2023 Quoted prices Significant Significant unobservable Total Nonrecurring valuations: Financial assets: Other real estate owned $ — $ — $ 2,400 $ 2,400 Collateral-dependent net loans held for Commercial and industrial — — 12,338 12,338 Construction — — 203 203 Residential real estate: 1-4 family mortgage $ — $ — $ 429 $ 429 Consumer and other — — 71 71 Total collateral-dependent loans $ — $ — $ 13,041 $ 13,041 At December 31, 2022 Quoted prices Significant Significant unobservable Total Nonrecurring valuations: Financial assets: Other real estate owned $ — $ — $ 2,497 $ 2,497 Collateral-dependent net loans held for Residential real estate: 1-4 family mortgage $ — $ — $ 366 $ 366 Commercial real estate: Non-owner occupied — — 2,494 2,494 Total collateral-dependent loans $ — $ — $ 2,860 $ 2,860 The following tables set forth the changes in fair value associated with this portfolio for the years ended December 31, 2023, 2022, and 2021: Year Ended December 31, 2023 Principal Balance Fair Value Discount Fair Value Carrying value at beginning of period $ 34,357 $ (3,867) $ 30,490 Change in fair value: Paydowns and payoffs (28,376) — (28,376) Write-offs to discount (5,981) 5,981 — Changes in valuation included in other noninterest income — (2,114) (2,114) Carrying value at end of period $ — $ — $ — Year Ended December 31, 2022 Principal balance Fair Value discount Fair Value Carrying value at beginning of period $ 86,762 $ (7,463) $ 79,299 Change in fair value: Paydowns and payoffs (43,676) — (43,676) Write-offs to discount (8,729) 8,729 — Changes in valuation included in other noninterest income — (5,133) (5,133) Carrying value at end of period $ 34,357 $ (3,867) $ 30,490 Year Ended December 31, 2021 Principal balance Fair Value discount Fair Value Carrying value at beginning of period $ 239,063 $ (23,660) $ 215,403 Change in fair value: Paydowns and payoffs (141,002) — (141,002) Write-offs to discount (8,563) 8,563 — Changes in valuation included in other noninterest income (2,736) 7,634 4,898 Carrying value at end of period $ 86,762 $ (7,463) $ 79,299
Schedule of Information About Significant Unobservable Inputs (Level 3) Used in Valuation of Assets Measured at Fair Value on Nonrecurring Basis	The following tables present information as of December 31, 2023 and 2022 about significant unobservable inputs (Level 3) used in the valuation of assets measured at fair value on a nonrecurring basis: December 31, 2023 Financial instrument Fair Value Valuation technique Significant Range of Collateral-dependent net loans $ 13,041 Valuation of collateral Discount for comparable sales 10%-61% Other real estate owned $ 2,400 Appraised value of property less costs to sell Discount for costs to sell 0%-15% December 31, 2022 Financial instrument Fair Value Valuation technique Significant Range of Collateral-dependent net loans $ 2,860 Valuation of collateral Discount for comparable sales 10%-35% Other real estate owned $ 2,497 Appraised value of property less costs to sell Discount for costs to sell 0%-15%
Schedule of Loans Held For Sale at Fair Value	The following table summarizes the Company's loans held for sale as of the dates presented: December 31, 2023 2022 Loans held for sale under a fair value option: Commercial loans held for sale $ — $ 30,490 Mortgage loans held for sale 46,618 82,750 Total loans held for sale, at fair value 46,618 113,240 Loans held for sale not accounted for under a fair value option: Mortgage loans held for sale - guaranteed GNMA repurchase option 21,229 26,211 Total loans held for sale $ 67,847 $ 139,451
Schedule of Differences between Fair Value and Principal Balance for Loans Held for Sale Measured at Fair Value	The following table summarizes the differences between the fair value and the principal balance for loans held for sale and nonaccrual loans HFS measured at fair value as of December 31, 2023 and 2022: December 31, 2023 Aggregate Aggregate Unpaid Principal Balance Difference Mortgage loans held for sale measured at fair value $ 46,618 $ 45,509 $ 1,109 December 31, 2022 Aggregate Aggregate Unpaid Principal Balance Difference Mortgage loans held for sale measured at fair value $ 82,750 $ 81,520 $ 1,230 Commercial loans held for sale measured at fair value 21,201 22,126 (925) Nonaccrual commercial loans held for sale 9,289 12,231 (2,942)
Schedule of Estimated Fair Values and Carrying Values of Financial Instruments	The following table contains the estimated fair values and the related carrying values of the Company's financial instruments. Items that are not financial instruments are not included. Fair Value December 31, 2023 Carrying amount Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 810,932 $ 810,932 $ — $ — $ 810,932 Investment securities 1,471,973 — 1,471,973 — 1,471,973 Net loans held for investment 9,258,457 — — 9,068,518 9,068,518 Loans held for sale, at fair value 46,618 — 46,618 — 46,618 Interest receivable 52,715 388 8,551 43,776 52,715 Mortgage servicing rights 164,249 — — 164,249 164,249 Derivatives 34,738 — 34,738 — 34,738 Financial liabilities: Deposits: Without stated maturities $ 8,927,654 $ 8,927,654 $ — $ — $ 8,927,654 With stated maturities 1,620,633 — 1,614,400 — 1,614,400 Securities sold under agreements to repurchase and federal funds purchased 108,764 108,764 — — 108,764 Bank Term Funding Program 130,000 — 130,000 — 130,000 Subordinated debt, net 129,645 — — 122,671 122,671 Interest payable 18,809 4,104 13,205 1,500 18,809 Derivatives 38,215 — 38,215 — 38,215 Fair Value December 31, 2022 Carrying amount Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 1,027,052 $ 1,027,052 $ — $ — $ 1,027,052 Investment securities 1,474,176 — 1,474,176 — 1,474,176 Net loans held for investment 9,164,020 — — 9,048,943 9,048,943 Loans held for sale, at fair value 113,240 — 82,750 30,490 113,240 Interest receivable 45,684 126 6,961 38,597 45,684 Mortgage servicing rights 168,365 — — 168,365 168,365 Derivatives 48,769 — 48,769 — 48,769 Financial liabilities: Deposits: Without stated maturities $ 9,433,860 $ 9,433,860 $ — $ — $ 9,433,860 With stated maturities 1,421,974 — 1,422,544 — 1,422,544 Securities sold under agreements to repurchase and federal funds purchased 86,945 86,945 — — 86,945 Federal Home Loan Bank advances 175,000 — 175,000 — 175,000 Subordinated debt, net 126,101 — — 118,817 118,817 Interest payable 8,648 2,571 4,559 1,518 8,648 Derivatives 63,229 — 63,229 — 63,229

Parent Company Financial Stat_2

Parent Company Financial Statements (Tables)	12 Months Ended
	Dec. 31, 2023
Condensed Financial Information Disclosure [Abstract]
Schedule of Balance Sheet	As of December 31, Balance sheets 2023 2022 Assets Cash and cash equivalents (1) $ 21,448 $ 3,052 Investment in subsidiaries (1) 1,449,439 1,337,657 Other assets 15,291 16,654 Goodwill 29 29 Total assets $ 1,486,207 $ 1,357,392 Liabilities and shareholders' equity Liabilities Borrowings $ 30,930 $ 30,930 Accrued expenses and other liabilities 483 1,037 Total liabilities 31,413 31,967 Shareholders' equity Common stock 46,849 46,738 Additional paid-in capital 864,258 861,588 Retained earnings 678,412 586,532 Accumulated other comprehensive loss (134,725) (169,433) Total shareholders' equity 1,454,794 1,325,425 Total liabilities and shareholders' equity $ 1,486,207 $ 1,357,392 (1) Eliminates in Consolidation
Schedule of Income Statements	Years Ended December 31, Statements of income 2023 2022 2021 Income Dividend income from bank subsidiary (1) $ 49,000 $ 49,000 $ 122,500 Dividend income from nonbank subsidiary (1) 530 — 2,525 Loss on investments — — 249 Other income 57 89 15 Total income 49,587 49,089 125,289 Expenses Interest expense 1,590 1,587 2,455 Salaries, legal and professional fees 1,461 1,590 1,445 Other noninterest expense 478 771 1,812 Total expenses 3,529 3,948 5,712 Income before income tax benefit and equity in undistributed 46,058 45,141 119,577 Federal and state income tax benefit (887) (1,002) (2,992) Income before equity in undistributed earnings of subsidiaries 46,945 46,143 122,569 Equity in undistributed earnings from bank subsidiary (1) 73,832 76,232 68,351 Equity in undistributed earnings from nonbank subsidiary (1) (553) 2,180 (635) Net income $ 120,224 $ 124,555 $ 190,285 (1) Eliminates in Consolidation
Schedule of Cash Flows	Years Ended December 31, Statements of cash flows 2023 2022 2021 Operating Activities Net income $ 120,224 $ 124,555 $ 190,285 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed income of bank subsidiary (73,832) (76,232) (68,351) Equity in undistributed income of nonbank subsidiary 553 (2,180) 635 Accretion of subordinated debt fair value premium — — (369) Gain on investments — — (249) Stock-based compensation expense 10,381 9,857 10,282 Decrease (increase) in other assets 1,017 (802) (3,916) Decrease in other liabilities (4,064) (7,381) (678) Net cash provided by operating activities 54,279 47,817 127,639 Investing Activities Proceeds from sale of equity securities — — 1,422 Net cash provided by investing activities — — 1,422 Financing Activities Payments on subordinated debt — — (60,000) Payments on other borrowings — — (15,000) Share based compensation withholding payments (3,379) (2,842) (10,158) Net proceeds from sale of common stock under employee stock purchase 723 1,212 1,480 Repurchase of common stock (4,944) (39,979) (7,595) Dividends paid on common stock (28,057) (24,503) (20,866) Dividend equivalent payments made upon vesting of equity compensation (226) (168) (717) Net cash used in financing activities (35,883) (66,280) (112,856) Net increase (decrease) in cash and cash equivalents 18,396 (18,463) 16,205 Cash and cash equivalents at beginning of year 3,052 21,515 5,310 Cash and cash equivalents at end of year $ 21,448 $ 3,052 $ 21,515 Supplemental noncash disclosures: Dividends declared not paid on restricted stock units $ 287 $ 222 $ 400 Noncash security distribution to bank subsidiary — — 2,646

Segment Reporting (Tables)

Segment Reporting (Tables)	12 Months Ended
	Dec. 31, 2023
Segment Reporting [Abstract]
Schedule of Segment Financial Information	The following tables present selected financial information with respect to the Company's reportable segments for the years ended December 31, 2023, 2022, and 2021. Year Ended December 31, 2023 Banking (2) Mortgage Consolidated Net interest income $ 407,217 $ — $ 407,217 Provisions for credit losses 2,539 — 2,539 Mortgage banking income — 60,918 60,918 Change in fair value of mortgage servicing rights, net of hedging (1) — (16,226) (16,226) Other noninterest income 25,831 20 25,851 Depreciation and amortization 10,444 736 11,180 Amortization of intangibles 3,659 — 3,659 Other noninterest expense 262,433 47,657 310,090 Income (loss) before income taxes $ 153,973 $ (3,681) $ 150,292 Income tax expense 30,052 Net income applicable to FB Financial Corporation and noncontrolling interest 120,240 Net income applicable to noncontrolling interest (2) 16 Net income applicable to FB Financial Corporation $ 120,224 Total assets $ 12,046,190 $ 558,213 $ 12,604,403 Goodwill 242,561 — 242,561 (1) Change in fair value of mortgage servicing rights, net of hedging is included in Mortgage banking income in the Company's consolidated statements of income. (2) Banking segment includes noncontrolling interest. Year Ended December 31, 2022 Banking (3) Mortgage Consolidated Net interest income $ 412,237 $ (2) $ 412,235 Provisions for credit losses 18,982 — 18,982 Mortgage banking income — 83,679 83,679 Change in fair value of mortgage servicing rights, net of hedging (1) — (10,099) (10,099) Other noninterest income 41,320 (233) 41,087 Depreciation and amortization 7,035 982 8,017 Amortization of intangibles 4,585 — 4,585 Other noninterest expense (2) 240,096 95,648 335,744 Income (loss) before income taxes $ 182,859 $ (23,285) $ 159,574 Income tax expense 35,003 Net income applicable to FB Financial Corporation and noncontrolling interest 124,571 Net income applicable to noncontrolling interest (3) 16 Net income applicable to FB Financial Corporation $ 124,555 Total assets $ 12,228,451 $ 619,305 $ 12,847,756 Goodwill 242,561 — 242,561 (1) Change in fair value of mortgage servicing rights, net of hedging is included in mortgage banking income in the Company's consolidated statements of income. (2) Includes $12,458 in Mortgage restructuring expenses in the Mortgage segment related to the exit from the direct-to-consumer internet delivery channel. (3) Banking segment includes noncontrolling interest. Year Ended December 31, 2021 Banking (2) Mortgage Consolidated Net interest income $ 347,342 $ 28 $ 347,370 Provisions for credit losses (40,993) — (40,993) Mortgage banking income — 179,682 179,682 Change in fair value of mortgage servicing rights, net of hedging (1) — (12,117) (12,117) Other noninterest income 61,073 (383) 60,690 Depreciation and amortization 7,054 1,362 8,416 Amortization of intangibles 5,473 — 5,473 Other noninterest expense 220,283 139,395 359,678 Income before income taxes $ 216,598 $ 26,453 $ 243,051 Income tax expense 52,750 Net income applicable to FB Financial Corporation and noncontrolling interest 190,301 Net income applicable to noncontrolling interest (2) 16 Net income applicable to FB Financial Corporation $ 190,285 Total assets $ 11,540,560 $ 1,057,126 $ 12,597,686 Goodwill 242,561 — 242,561 (1) Change in fair value of mortgage servicing rights, net of hedging is included in mortgage banking income in the Company's consolidated statements of income. (2) Banking segment includes noncontrolling interest.

Minimum Capital Requirements (T

Minimum Capital Requirements (Tables)	12 Months Ended
	Dec. 31, 2023
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Schedule of Actual and Required Capital Amounts and Ratios	Actual and required capital amounts and ratios are included below as of the dates indicated. December 31, 2023 Actual Minimum Requirement for Capital Adequacy with To Qualify as Well-Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio Total Capital (to risk-weighted assets) FB Financial Corporation $ 1,635,848 14.5 % $ 1,182,028 10.5 % N/A N/A FirstBank 1,600,950 14.2 % 1,179,886 10.5 % $ 1,123,701 10.0 % Tier 1 Capital (to risk-weighted assets) FB Financial Corporation $ 1,405,890 12.5 % $ 956,880 8.5 % N/A N/A FirstBank 1,370,991 12.2 % 955,145 8.5 % $ 898,960 8.0 % Tier 1 Capital (to average assets) FB Financial Corporation $ 1,405,890 11.3 % $ 496,485 4.0 % N/A N/A FirstBank 1,370,991 11.1 % 495,761 4.0 % $ 619,701 5.0 % Common Equity Tier 1 Capital (to risk-weighted assets) FB Financial Corporation $ 1,375,890 12.2 % $ 788,018 7.0 % N/A N/A FirstBank 1,370,991 12.2 % 786,590 7.0 % $ 730,405 6.5 % December 31, 2022 Actual Minimum Requirement for Capital Adequacy with To Qualify as Well-Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio Total Capital (to risk-weighted assets) FB Financial Corporation $ 1,528,344 13.1 % $ 1,225,161 10.5 % N/A N/A FirstBank 1,506,543 12.9 % 1,222,922 10.5 % $ 1,164,688 10.0 % Tier 1 Capital (to risk-weighted assets) FB Financial Corporation $ 1,315,386 11.3 % $ 991,797 8.5 % N/A N/A FirstBank 1,293,585 11.1 % 989,985 8.5 % $ 931,750 8.0 % Tier 1 Capital (to average assets) FB Financial Corporation $ 1,315,386 10.5 % $ 499,648 4.0 % N/A N/A FirstBank 1,293,585 10.4 % 499,194 4.0 % $ 623,992 5.0 % Common Equity Tier 1 Capital (to risk-weighted assets) FB Financial Corporation $ 1,285,386 11.0 % $ 816,774 7.0 % N/A N/A FirstBank 1,293,585 11.1 % 815,281 7.0 % $ 757,047 6.5 %

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2023
Share-Based Payment Arrangement [Abstract]
Schedule of Changes in Restricted Stock Units	The following table summarizes changes in RSUs for the year ended December 31, 2023: Restricted Stock Weighted Balance at beginning of period (unvested) 365,155 $ 39.02 Granted 180,631 35.33 Vested (212,251) 38.11 Forfeited (10,015) 40.00 Balance at end of period (unvested) 323,520 $ 37.52
Schedule of Changes in Performance Stock Units	The following table summarizes information about the changes in PSUs as of and for the year ended December 31, 2023: Performance Stock Weighted Balance at beginning of period (unvested) 161,667 $ 41.73 Granted 86,010 37.17 Performance adjustment (1) 51,444 36.93 Vested (104,833) 36.93 Forfeited or expired (18,125) 43.58 Balance at end of period (unvested) 176,163 $ 40.86 (1) PSUs are presented as outstanding, granted and forfeited in the table above assuming targets are met and the awards pay out at 100%. PSU awards are settled with payouts ranging from 0% and 200% of the target award value based on the Company's performance relative to a predefined peer group over a fixed three performance attainment above or below target.
Schedule of Share-Based Payment Arrangement, Performance Shares, Activity	The following table summarizes data related to the Company's outstanding PSUs as of December 31, 2023: Grant Year Grant Price Performance Period PSUs Outstanding 2021 (1) $ 43.20 2021 to 2023 47,387 2022 (1) $ 44.44 2022 to 2024 50,117 2023 (1) $ 37.17 2023 to 2025 78,659 (1) Vesting factor will be interpolated between 0% and 200% of PSUs outstanding based on the Company's performance relative to a predefined peer group over a fixed three

Related Party Transactions (Tab

Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2023
Related Party Transactions [Abstract]
Schedule of Loans Analysis to Executive Officers, Certain Management, Bank Directors and Related Interests	An analysis of loans to executive officers, certain management, significant shareholders and directors of the Bank and their related interests is presented below: Loans outstanding at January 1, 2023 $ 82,559 New loans and advances 10,047 Change in related party status (37,897) Repayments (5,636) Loans outstanding at December 31, 2023 $ 49,073

Basis of Presentation - Narrati

Basis of Presentation - Narrative (Details)	12 Months Ended
	Dec. 31, 2023 USD ($) loanPortfolioPool segment branch	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Number of full-service branches | branch	81
Provision for credit losses on available-for-sale securities	$ 0	$ 0
Percent of remaining principal allowed to buy back under GNMA optional repurchase programs	100%
Number of loan portfolio pools | loanPortfolioPool	3
Impairment of long-lived assets	$ 0	0
Goodwill impairment	0
Amounts related to uncertain tax positions	$ 0	$ 0	$ 0
Number of reporting segments | segment	2
PSUs
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Performance period	3 years
Premises
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Property, plant and equipment, useful life	40 years
Furniture, fixtures and equipment | Minimum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Property, plant and equipment, useful life	3 years
Furniture, fixtures and equipment | Maximum
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Property, plant and equipment, useful life	10 years
Leasehold improvements
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Property, plant and equipment, useful life	10 years

Basis of Presentation - Schedul

Basis of Presentation - Schedule of Basic and Diluted Earnings Per Common Share Calculation (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Basic earnings per common share:
Net income applicable to FB Financial Corporation	$ 120,224	$ 124,555	$ 190,285
Dividends paid on and undistributed earnings allocated to participating securities	0	0	0
Earnings available to common shareholders	$ 120,224	$ 124,555	$ 190,285
Weighted average basic shares outstanding (in shares)	46,781,214	47,113,470	47,431,102
Basic earnings per common share (in dollars per share)	$ 2.57	$ 2.64	$ 4.01
Diluted earnings per common share:
Earnings available to common shareholders	$ 120,224	$ 124,555	$ 190,285
Weighted average basic shares outstanding (in shares)	46,781,214	47,113,470	47,431,102
Weighted average diluted shares contingently issuable (in shares)	41,578	126,321	524,778
Weighted average diluted shares outstanding (in shares)	46,822,792	47,239,791	47,955,880
Diluted earnings per common share (in dollars per share)	$ 2.57	$ 2.64	$ 3.97
Restricted Stock Units
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Restricted stock units outstanding considered to be antidilutive (in shares)	172,677	11,888	4,400

Investment Securities - Schedul

Investment Securities - Schedule of Amortized Cost of Securities and Fair Values (Details) - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Debt Securities, Available-for-sale [Abstract]
Total debt securities	$ 1,658,779,000	$ 1,705,574,000
Gross unrealized gains	840,000	458,000
Gross unrealized losses	(187,646,000)	(234,846,000)
Allowance for credit losses for investments	0	0
Fair Value	1,471,973,000	1,471,186,000
U.S. government agency securities
Debt Securities, Available-for-sale [Abstract]
Total debt securities	204,663,000	45,167,000
Gross unrealized gains	470,000	0
Gross unrealized losses	(1,177,000)	(5,105,000)
Allowance for credit losses for investments	0	0
Fair Value	203,956,000	40,062,000
Mortgage-backed securities - residential
Debt Securities, Available-for-sale [Abstract]
Total debt securities	1,057,389,000	1,224,522,000
Gross unrealized gains	0	0
Gross unrealized losses	(160,418,000)	(190,329,000)
Allowance for credit losses for investments	0	0
Fair Value	896,971,000	1,034,193,000
Mortgage-backed securities - commercial
Debt Securities, Available-for-sale [Abstract]
Total debt securities	18,186,000	19,209,000
Gross unrealized gains	0	0
Gross unrealized losses	(1,225,000)	(1,565,000)
Allowance for credit losses for investments	0	0
Fair Value	16,961,000	17,644,000
Municipal securities
Debt Securities, Available-for-sale [Abstract]
Total debt securities	263,312,000	295,375,000
Gross unrealized gains	370,000	458,000
Gross unrealized losses	(21,419,000)	(31,413,000)
Allowance for credit losses for investments	0	0
Fair Value	242,263,000	264,420,000
U.S. Treasury securities
Debt Securities, Available-for-sale [Abstract]
Total debt securities	111,729,000	113,301,000
Gross unrealized gains	0	0
Gross unrealized losses	(3,233,000)	(5,621,000)
Allowance for credit losses for investments	0	0
Fair Value	108,496,000	107,680,000
Corporate securities
Debt Securities, Available-for-sale [Abstract]
Total debt securities	3,500,000	8,000,000
Gross unrealized gains	0	0
Gross unrealized losses	(174,000)	(813,000)
Allowance for credit losses for investments	0	0
Fair Value	$ 3,326,000	$ 7,187,000

Investment Securities - Narrati

Investment Securities - Narrative (Details)	12 Months Ended
	Dec. 31, 2023 USD ($) security	Dec. 31, 2022 USD ($) security	Dec. 31, 2021 USD ($)
Debt and Equity Securities, FV-NI [Line Items]
Accrued interest receivable	$ 52,715,000	$ 45,684,000
Allowance for credit losses for investments	$ 0	$ 0
Number of securities in securities portfolio | security	439	503
Number of securities in securities portfolio, unrealized loss position | security	370	454
Marketable securities at fair value	$ 0	$ 2,990,000
Equity securities without readily determinable market value	25,191,000	22,496,000
Federal home loan bank stock	34,190,000	58,641,000
Net gain (loss) on change in fair value and sale of equity securities	101,000	(377,000)	$ 198,000
Collateral Pledged
Debt and Equity Securities, FV-NI [Line Items]
Securities pledged	929,546,000	1,191,021,000
Debt Securities
Debt and Equity Securities, FV-NI [Line Items]
Accrued interest receivable	$ 7,212,000	$ 5,470,000

Investment Securities - Sched_2

Investment Securities - Schedule of Gross Unrealized Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Debt Securities, Available-for-sale [Abstract]
Fair Value, Less than 12 months	$ 40,403	$ 646,226
Unrealized Loss, Less than 12 months	(169)	(67,665)
Fair Value, 12 months or more	1,228,463	793,685
Unrealized Loss, 12 months or more	(187,477)	(167,181)
Fair Value, Total	1,268,866	1,439,911
Unrealized Loss, Total	(187,646)	(234,846)
U.S. government agency securities
Debt Securities, Available-for-sale [Abstract]
Fair Value, Less than 12 months	25,923	23,791
Unrealized Loss, Less than 12 months	(21)	(2,802)
Fair Value, 12 months or more	14,040	16,271
Unrealized Loss, 12 months or more	(1,156)	(2,303)
Fair Value, Total	39,963	40,062
Unrealized Loss, Total	(1,177)	(5,105)
Mortgage-backed securities - residential
Debt Securities, Available-for-sale [Abstract]
Fair Value, Less than 12 months	0	316,656
Unrealized Loss, Less than 12 months	0	(32,470)
Fair Value, 12 months or more	896,971	717,537
Unrealized Loss, 12 months or more	(160,418)	(157,859)
Fair Value, Total	896,971	1,034,193
Unrealized Loss, Total	(160,418)	(190,329)
Mortgage-backed securities - commercial
Debt Securities, Available-for-sale [Abstract]
Fair Value, Less than 12 months	0	11,104
Unrealized Loss, Less than 12 months	0	(968)
Fair Value, 12 months or more	16,961	6,540
Unrealized Loss, 12 months or more	(1,225)	(597)
Fair Value, Total	16,961	17,644
Unrealized Loss, Total	(1,225)	(1,565)
Municipal securities
Debt Securities, Available-for-sale [Abstract]
Fair Value, Less than 12 months	14,480	196,419
Unrealized Loss, Less than 12 months	(148)	(26,811)
Fair Value, 12 months or more	188,669	36,726
Unrealized Loss, 12 months or more	(21,271)	(4,602)
Fair Value, Total	203,149	233,145
Unrealized Loss, Total	(21,419)	(31,413)
U.S. Treasury securities
Debt Securities, Available-for-sale [Abstract]
Fair Value, Less than 12 months	0	94,248
Unrealized Loss, Less than 12 months	0	(4,122)
Fair Value, 12 months or more	108,496	13,432
Unrealized Loss, 12 months or more	(3,233)	(1,499)
Fair Value, Total	108,496	107,680
Unrealized Loss, Total	(3,233)	(5,621)
Corporate securities
Debt Securities, Available-for-sale [Abstract]
Fair Value, Less than 12 months	0	4,008
Unrealized Loss, Less than 12 months	0	(492)
Fair Value, 12 months or more	3,326	3,179
Unrealized Loss, 12 months or more	(174)	(321)
Fair Value, Total	3,326	7,187
Unrealized Loss, Total	$ (174)	$ (813)

Investment Securities - Sched_3

Investment Securities - Schedule of Amortized Cost and Fair Value of Debt Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Amortized cost
Due in one year or less	$ 64,776	$ 4,277
Due in one to five years	75,996	161,556
Due in five to ten years	51,162	61,290
Due in over ten years	391,270	234,720
Amortized cost, sub-total	583,204	461,843
Total debt securities	1,658,779	1,705,574
Fair value
Due in one year or less	64,279	4,225
Due in one to five years	71,801	152,181
Due in five to ten years	49,630	57,859
Due in over ten years	372,331	205,084
Fair value, sub-total	558,041	419,349
Total debt securities	1,471,973	1,471,186
Mortgage-backed securities - residential
Amortized cost
Mortgage-backed securities	1,057,389	1,224,522
Total debt securities	1,057,389	1,224,522
Fair value
Mortgage-backed securities	896,971	1,034,193
Total debt securities	896,971	1,034,193
Mortgage-backed securities - commercial
Amortized cost
Mortgage-backed securities	18,186	19,209
Total debt securities	18,186	19,209
Fair value
Mortgage-backed securities	16,961	17,644
Total debt securities	$ 16,961	$ 17,644

Investment Securities - Sched_4

Investment Securities - Schedule of Sales and Other Dispositions of Available-for-Sale Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales	$ 100,463	$ 1,218	$ 8,855
Proceeds from maturities, prepayments and calls	128,206	204,748	296,256
Gross realized gains	45	4	127
Gross realized losses	$ 14,119	$ 3	$ 1

Loans and Allowance for Credi_3

Loans and Allowance for Credit Losses on Loans HFI - Schedule of Loans Outstanding by Class of Financing Receivable (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Past Due [Line Items]
Gross loans	$ 9,408,783	$ 9,298,212
Less: Allowance for credit losses on loans HFI	(150,326)	(134,192)	$ (125,559)	$ (170,389)
Net loans held for investment	9,258,457	9,164,020
Commercial and industrial
Financing Receivable, Past Due [Line Items]
Gross loans	1,720,733	1,645,783
Less: Allowance for credit losses on loans HFI	(19,599)	(11,106)	(15,751)	(14,748)
Construction
Financing Receivable, Past Due [Line Items]
Gross loans	1,397,313	1,657,488
Less: Allowance for credit losses on loans HFI	(35,372)	(39,808)	(28,576)	(58,477)
Residential real estate: | 1-to-4 family mortgage
Financing Receivable, Past Due [Line Items]
Gross loans	1,568,552	1,573,121
Less: Allowance for credit losses on loans HFI	(26,505)	(26,141)	(19,104)	(19,220)
Residential real estate: | Residential line of credit
Financing Receivable, Past Due [Line Items]
Gross loans	530,912	496,660
Less: Allowance for credit losses on loans HFI	(9,468)	(7,494)	(5,903)	(10,534)
Residential real estate: | Multi-family mortgage
Financing Receivable, Past Due [Line Items]
Gross loans	603,804	479,572
Less: Allowance for credit losses on loans HFI	(8,842)	(6,490)	(6,976)	(7,174)
Commercial real estate: | Owner-occupied
Financing Receivable, Past Due [Line Items]
Gross loans	1,232,071	1,114,580
Less: Allowance for credit losses on loans HFI	(10,653)	(7,783)	(12,593)	(4,849)
Commercial real estate: | Non-owner occupied
Financing Receivable, Past Due [Line Items]
Gross loans	1,943,525	1,964,010
Less: Allowance for credit losses on loans HFI	(22,965)	(21,916)	(25,768)	(44,147)
Consumer and other
Financing Receivable, Past Due [Line Items]
Gross loans	411,873	366,998
Less: Allowance for credit losses on loans HFI	$ (16,922)	$ (13,454)	$ (10,888)	$ (11,240)

Loans and Allowance for Credi_4

Loans and Allowance for Credit Losses on Loans HFI - Narrative (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($) loan relationship	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Financing Receivable, Past Due [Line Items]
Collateral securing line of credit	$ 3,014,023	$ 2,673,464
Accrued interest receivable on loans	43,776	38,507
Accrued interest receivable written off as an adjustment to interest income on non-accrual loans	$ 1,094	1,089	$ 804
Outstanding recorded investment		1,301	34,115
Payment default for loans modified as troubled debt restructurings		304	$ 304
Residential Mortgage Loans
Financing Receivable, Past Due [Line Items]
Number modified of mortgage loans | loan	3
Outstanding recorded investment	$ 160
Commercial and Industrial Loan
Financing Receivable, Past Due [Line Items]
Number modified of mortgage loans | loan	1
Outstanding recorded investment	$ 181
Number of nonaccrual relationships | relationship	3
Allocation to specific reserves	$ 4,908
Commercial and Industrial Loan | Federal Reserve Bank
Financing Receivable, Past Due [Line Items]
Deposit liabilities, collateral issued, financial instruments	3,107,495	3,118,172
FHLB Cincinnati | Residential Mortgage Loans
Financing Receivable, Past Due [Line Items]
Collateral securing line of credit	1,030,016	909,734
FHLB Cincinnati | Commercial Loan
Financing Receivable, Past Due [Line Items]
Collateral securing line of credit	$ 1,984,007	$ 1,763,730

Loans and Allowance for Credi_5

Loans and Allowance for Credit Losses on Loans HFI - Schedule of Credit Quality of Loan Portfolio by Year of Origination (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	$ 9,408,783	$ 9,298,212
Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	226,191	396,833
2022-2021	278,121	204,830
2021-2020	157,650	69,147
2020-2019	42,924	92,705
2019-2018	70,707	40,196
Prior	79,652	70,500
Revolving Loans Amortized Cost Basis	865,488	771,572
Total	1,720,733	1,645,783
Current-period gross charge-offs, 2023	14
Current-period gross charge-offs, 2022	7
Current-period gross charge-offs, 2021	201
Current-period gross charge-offs, 2020	22
Current-period gross charge-offs, 2019	0
Current-period gross charge-offs, prior	87
Revolving Loans Amortized Cost Basis	131
Total	462
Commercial and industrial | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	225,734	396,643
2022-2021	255,921	204,000
2021-2020	151,492	67,231
2020-2019	39,897	90,894
2019-2018	70,302	39,780
Prior	73,415	62,816
Revolving Loans Amortized Cost Basis	839,918	762,717
Total	1,656,679	1,624,081
Commercial and industrial | Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	0	125
2022-2021	17,947	7
2021-2020	3,083	0
2020-2019	0	160
2019-2018	151	143
Prior	108	771
Revolving Loans Amortized Cost Basis	7,549	2,520
Total	28,838	3,726
Commercial and industrial | Classified
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	457	65
2022-2021	4,253	823
2021-2020	3,075	1,916
2020-2019	3,027	1,651
2019-2018	254	273
Prior	6,129	6,913
Revolving Loans Amortized Cost Basis	18,021	6,335
Total	35,216	17,976
Construction
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	179,930	682,965
2022-2021	684,395	496,032
2021-2020	152,739	142,248
2020-2019	54,519	84,599
2019-2018	39,140	17,360
Prior	50,644	45,378
Revolving Loans Amortized Cost Basis	235,946	188,906
Total	1,397,313	1,657,488
Current-period gross charge-offs, 2023	0
Current-period gross charge-offs, 2022	0
Current-period gross charge-offs, 2021	0
Current-period gross charge-offs, 2020	0
Current-period gross charge-offs, 2019	0
Current-period gross charge-offs, prior	0
Revolving Loans Amortized Cost Basis	0
Total	0
Construction | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	179,929	682,885
2022-2021	677,387	495,723
2021-2020	148,312	142,233
2020-2019	46,697	84,599
2019-2018	39,140	17,360
Prior	49,954	44,326
Revolving Loans Amortized Cost Basis	208,491	188,906
Total	1,349,910	1,656,032
Construction | Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	1	0
2022-2021	4,659	0
2021-2020	2,943	15
2020-2019	1,202	0
2019-2018	0	0
Prior	690	707
Revolving Loans Amortized Cost Basis	12,000	0
Total	21,495	722
Construction | Classified
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	0	80
2022-2021	2,349	309
2021-2020	1,484	0
2020-2019	6,620	0
2019-2018	0	0
Prior	0	345
Revolving Loans Amortized Cost Basis	15,455	0
Total	25,908	734
Residential real estate: | Multi-family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	29,982	142,912
2022-2021	151,495	147,168
2021-2020	223,889	96,819
2020-2019	92,745	33,547
2019-2018	29,933	6,971
Prior	44,551	38,551
Revolving Loans Amortized Cost Basis	31,209	13,604
Total	603,804	479,572
Current-period gross charge-offs, 2023	0
Current-period gross charge-offs, 2022	0
Current-period gross charge-offs, 2021	0
Current-period gross charge-offs, 2020	0
Current-period gross charge-offs, 2019	0
Current-period gross charge-offs, prior	0
Revolving Loans Amortized Cost Basis	0
Total	0
Residential real estate: | Multi-family mortgage | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	29,982	142,912
2022-2021	151,495	147,168
2021-2020	223,889	96,819
2020-2019	92,745	33,547
2019-2018	29,933	6,971
Prior	43,479	37,385
Revolving Loans Amortized Cost Basis	31,209	13,604
Total	602,732	478,406
Residential real estate: | Multi-family mortgage | Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	0	0
2022-2021	0	0
2021-2020	0	0
2020-2019	0	0
2019-2018	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Total	0	0
Residential real estate: | Multi-family mortgage | Classified
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	0	0
2022-2021	0	0
2021-2020	0	0
2020-2019	0	0
2019-2018	0	0
Prior	1,072	1,166
Revolving Loans Amortized Cost Basis	0	0
Total	1,072	1,166
Residential real estate: | 1-to-4 family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	198,613	569,437
2022-2021	503,193	453,564
2021-2020	403,364	166,187
2020-2019	149,330	95,326
2019-2018	82,595	70,157
Prior	231,457	218,450
Revolving Loans Amortized Cost Basis	0	0
Total	1,568,552	1,573,121
Current-period gross charge-offs, 2023	0
Current-period gross charge-offs, 2022	18
Current-period gross charge-offs, 2021	0
Current-period gross charge-offs, 2020	4
Current-period gross charge-offs, 2019	0
Current-period gross charge-offs, prior	24
Revolving Loans Amortized Cost Basis	0
Total	46
Residential real estate: | 1-to-4 family mortgage | Performing
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	198,537	568,210
2022-2021	500,628	448,401
2021-2020	399,338	160,715
2020-2019	145,484	93,548
2019-2018	81,905	68,113
Prior	226,587	211,019
Revolving Loans Amortized Cost Basis	0	0
Total	1,552,479	1,550,006
Residential real estate: | 1-to-4 family mortgage | Nonperforming
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	76	1,227
2022-2021	2,565	5,163
2021-2020	4,026	5,472
2020-2019	3,846	1,778
2019-2018	690	2,044
Prior	4,870	7,431
Revolving Loans Amortized Cost Basis	0	0
Total	16,073	23,115
Residential real estate: | Residential line of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	0	0
2022-2021	0	0
2021-2020	0	0
2020-2019	0	0
2019-2018	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	530,912	496,660
Total	530,912	496,660
Current-period gross charge-offs, 2023	0
Current-period gross charge-offs, 2022	0
Current-period gross charge-offs, 2021	0
Current-period gross charge-offs, 2020	0
Current-period gross charge-offs, 2019	0
Current-period gross charge-offs, prior	0
Revolving Loans Amortized Cost Basis	0
Total	0
Residential real estate: | Residential line of credit | Performing
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	0	0
2022-2021	0	0
2021-2020	0	0
2020-2019	0	0
2019-2018	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	528,439	495,129
Total	528,439	495,129
Residential real estate: | Residential line of credit | Nonperforming
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	0	0
2022-2021	0	0
2021-2020	0	0
2020-2019	0	0
2019-2018	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	2,473	1,531
Total	2,473	1,531
Commercial real estate: | Owner-occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	118,030	237,963
2022-2021	268,798	225,859
2021-2020	233,084	110,972
2020-2019	115,397	153,162
2019-2018	152,060	69,602
Prior	289,659	254,690
Revolving Loans Amortized Cost Basis	55,043	62,332
Total	1,232,071	1,114,580
Current-period gross charge-offs, 2023	0
Current-period gross charge-offs, 2022	0
Current-period gross charge-offs, 2021	144
Current-period gross charge-offs, 2020	0
Current-period gross charge-offs, 2019	0
Current-period gross charge-offs, prior	0
Revolving Loans Amortized Cost Basis	0
Total	144
Commercial real estate: | Owner-occupied | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	118,030	237,862
2022-2021	261,196	223,883
2021-2020	231,241	110,748
2020-2019	115,397	148,405
2019-2018	151,146	66,101
Prior	281,253	246,414
Revolving Loans Amortized Cost Basis	53,970	57,220
Total	1,212,233	1,090,633
Commercial real estate: | Owner-occupied | Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	0	101
2022-2021	1,297	683
2021-2020	1,827	0
2020-2019	0	168
2019-2018	154	2,225
Prior	2,617	1,258
Revolving Loans Amortized Cost Basis	0	5,000
Total	5,895	9,435
Commercial real estate: | Owner-occupied | Classified
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	0	0
2022-2021	6,305	1,293
2021-2020	16	224
2020-2019	0	4,589
2019-2018	760	1,276
Prior	5,789	7,018
Revolving Loans Amortized Cost Basis	1,073	112
Total	13,943	14,512
Commercial real estate: | Non-owner occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	47,026	467,360
2022-2021	474,560	442,577
2021-2020	483,854	131,497
2020-2019	117,429	159,351
2019-2018	178,829	214,104
Prior	598,250	488,213
Revolving Loans Amortized Cost Basis	43,577	60,908
Total	1,943,525	1,964,010
Current-period gross charge-offs, 2023	0
Current-period gross charge-offs, 2022	0
Current-period gross charge-offs, 2021	0
Current-period gross charge-offs, 2020	0
Current-period gross charge-offs, 2019	0
Current-period gross charge-offs, prior	0
Revolving Loans Amortized Cost Basis	0
Total	0
Commercial real estate: | Non-owner occupied | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	47,026	467,360
2022-2021	474,560	440,319
2021-2020	478,878	131,497
2020-2019	117,429	159,205
2019-2018	178,448	210,752
Prior	580,168	473,607
Revolving Loans Amortized Cost Basis	43,577	60,908
Total	1,920,086	1,943,648
Commercial real estate: | Non-owner occupied | Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	0	0
2022-2021	0	0
2021-2020	3,975	0
2020-2019	0	0
2019-2018	0	82
Prior	10,435	2,459
Revolving Loans Amortized Cost Basis	0	0
Total	14,410	2,541
Commercial real estate: | Non-owner occupied | Classified
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	0	0
2022-2021	0	2,258
2021-2020	1,001	0
2020-2019	0	146
2019-2018	381	3,270
Prior	7,647	12,147
Revolving Loans Amortized Cost Basis	0	0
Total	9,029	17,821
Consumer and other
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	104,927	118,803
2022-2021	92,582	58,175
2021-2020	47,749	42,468
2020-2019	36,747	30,045
2019-2018	25,304	28,489
Prior	97,674	84,843
Revolving Loans Amortized Cost Basis	6,890	4,175
Total	411,873	366,998
Current-period gross charge-offs, 2023	1,463
Current-period gross charge-offs, 2022	564
Current-period gross charge-offs, 2021	139
Current-period gross charge-offs, 2020	201
Current-period gross charge-offs, 2019	110
Current-period gross charge-offs, prior	372
Revolving Loans Amortized Cost Basis	2
Total	2,851
Consumer and other | Performing
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	104,399	118,637
2022-2021	91,557	56,779
2021-2020	45,187	41,008
2020-2019	34,928	29,139
2019-2018	24,040	26,982
Prior	93,833	82,318
Revolving Loans Amortized Cost Basis	6,890	4,175
Total	400,834	359,038
Consumer and other | Nonperforming
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	528	166
2022-2021	1,025	1,396
2021-2020	2,562	1,460
2020-2019	1,819	906
2019-2018	1,264	1,507
Prior	3,841	2,525
Revolving Loans Amortized Cost Basis	0	0
Total	11,039	7,960
Total consumer type loans
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	303,540	688,240
2022-2021	595,775	511,739
2021-2020	451,113	208,655
2020-2019	186,077	125,371
2019-2018	107,899	98,646
Prior	329,131	303,293
Revolving Loans Amortized Cost Basis	537,802	500,835
Total	2,511,337	2,436,779
Current-period gross charge-offs, 2023	1,463
Current-period gross charge-offs, 2022	582
Current-period gross charge-offs, 2021	139
Current-period gross charge-offs, 2020	205
Current-period gross charge-offs, 2019	110
Current-period gross charge-offs, prior	396
Revolving Loans Amortized Cost Basis	2
Total	2,897
Total consumer type loans | Performing
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	302,936	686,847
2022-2021	592,185	505,180
2021-2020	444,525	201,723
2020-2019	180,412	122,687
2019-2018	105,945	95,095
Prior	320,420	293,337
Revolving Loans Amortized Cost Basis	535,329	499,304
Total	2,481,752	2,404,173
Total consumer type loans | Nonperforming
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	604	1,393
2022-2021	3,590	6,559
2021-2020	6,588	6,932
2020-2019	5,665	2,684
2019-2018	1,954	3,551
Prior	8,711	9,956
Revolving Loans Amortized Cost Basis	2,473	1,531
Total	29,585	32,606
Total Commercial Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	601,159	1,928,033
2022-2021	1,857,369	1,516,466
2021-2020	1,251,216	550,683
2020-2019	423,014	523,364
2019-2018	470,669	348,233
Prior	1,062,756	897,332
Revolving Loans Amortized Cost Basis	1,231,263	1,097,322
Total	6,897,446	6,861,433
Current-period gross charge-offs, 2023	14
Current-period gross charge-offs, 2022	7
Current-period gross charge-offs, 2021	345
Current-period gross charge-offs, 2020	22
Current-period gross charge-offs, 2019	0
Current-period gross charge-offs, prior	87
Revolving Loans Amortized Cost Basis	131
Total	606
Total Commercial Loans | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	600,701	1,927,662
2022-2021	1,820,559	1,511,093
2021-2020	1,233,812	548,528
2020-2019	412,165	516,650
2019-2018	468,969	340,964
Prior	1,028,269	864,548
Revolving Loans Amortized Cost Basis	1,177,165	1,083,355
Total	6,741,640	6,792,800
Total Commercial Loans | Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	1	226
2022-2021	23,903	690
2021-2020	11,828	15
2020-2019	1,202	328
2019-2018	305	2,450
Prior	13,850	5,195
Revolving Loans Amortized Cost Basis	19,549	7,520
Total	70,638	16,424
Total Commercial Loans | Classified
Financing Receivable, Allowance for Credit Loss [Line Items]
2023-2022	457	145
2022-2021	12,907	4,683
2021-2020	5,576	2,140
2020-2019	9,647	6,386
2019-2018	1,395	4,819
Prior	20,637	27,589
Revolving Loans Amortized Cost Basis	34,549	6,447
Total	$ 85,168	$ 52,209

Loans and Allowance for Credi_6

Loans and Allowance for Credit Losses on Loans HFI - Schedule of Analysis of Aging by Class of Financing Receivable (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Past Due [Line Items]
Loans held for investment	$ 9,408,783	$ 9,298,212
90 days or  more and accruing interest	12,693	18,415
Nonaccrual loans	48,230	27,431
30-89 days past due and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	47,043	31,296
Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	9,300,817	9,221,070
Commercial and industrial
Financing Receivable, Past Due [Line Items]
Loans held for investment	1,720,733	1,645,783
90 days or  more and accruing interest	0	136
Nonaccrual loans	21,730	1,307
Commercial and industrial | 30-89 days past due and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	732	1,650
Commercial and industrial | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	1,698,271	1,642,690
Construction
Financing Receivable, Past Due [Line Items]
Loans held for investment	1,397,313	1,657,488
90 days or  more and accruing interest	165	0
Nonaccrual loans	2,872	389
Construction | 30-89 days past due and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	6,579	1,246
Construction | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	1,387,697	1,655,853
Residential real estate: | 1-to-4 family mortgage
Financing Receivable, Past Due [Line Items]
Loans held for investment	1,568,552	1,573,121
90 days or  more and accruing interest	9,355	16,639
Nonaccrual loans	6,718	6,476
Residential real estate: | 1-to-4 family mortgage | 30-89 days past due and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	21,768	15,470
Residential real estate: | 1-to-4 family mortgage | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	1,530,711	1,534,536
Residential real estate: | Residential line of credit
Financing Receivable, Past Due [Line Items]
Loans held for investment	530,912	496,660
90 days or  more and accruing interest	1,337	131
Nonaccrual loans	1,136	1,400
Residential real estate: | Residential line of credit | 30-89 days past due and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	2,464	772
Residential real estate: | Residential line of credit | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	525,975	494,357
Residential real estate: | Multi-family mortgage
Financing Receivable, Past Due [Line Items]
Loans held for investment	603,804	479,572
90 days or  more and accruing interest	0	0
Nonaccrual loans	32	42
Residential real estate: | Multi-family mortgage | 30-89 days past due and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	0
Residential real estate: | Multi-family mortgage | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	603,772	479,530
Commercial real estate: | Owner-occupied
Financing Receivable, Past Due [Line Items]
Loans held for investment	1,232,071	1,114,580
90 days or  more and accruing interest	0	0
Nonaccrual loans	3,188	5,410
Commercial real estate: | Owner-occupied | 30-89 days past due and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	480	1,948
Commercial real estate: | Owner-occupied | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	1,228,403	1,107,222
Commercial real estate: | Non-owner occupied
Financing Receivable, Past Due [Line Items]
Loans held for investment	1,943,525	1,964,010
90 days or  more and accruing interest	0	0
Nonaccrual loans	3,351	5,956
Commercial real estate: | Non-owner occupied | 30-89 days past due and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	4,059	102
Commercial real estate: | Non-owner occupied | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	1,936,115	1,957,952
Consumer and other
Financing Receivable, Past Due [Line Items]
Loans held for investment	411,873	366,998
90 days or  more and accruing interest	1,836	1,509
Nonaccrual loans	9,203	6,451
Consumer and other | 30-89 days past due and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	10,961	10,108
Consumer and other | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	$ 389,873	$ 348,930

Loans and Allowance for Credi_7

Loans and Allowance for Credit Losses on Loans HFI - Schedule of Amortized Cost, Related Allowance and Interest Income of Non-accrual Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Past Due [Line Items]
Nonaccrual with no related allowance	$ 14,310	$ 15,714
Nonaccrual with related allowance	33,920	11,717
Related allowance	5,696	433
Year to date Interest Income	6,128	1,544
Commercial and industrial
Financing Receivable, Past Due [Line Items]
Nonaccrual with no related allowance	3,678	790
Nonaccrual with related allowance	18,052	517
Related allowance	5,011	10
Year to date Interest Income	2,451	181
Construction
Financing Receivable, Past Due [Line Items]
Nonaccrual with no related allowance	2,267	0
Nonaccrual with related allowance	605	389
Related allowance	59	7
Year to date Interest Income	335	28
Residential real estate: | 1-to-4 family mortgage
Financing Receivable, Past Due [Line Items]
Nonaccrual with no related allowance	1,444	2,834
Nonaccrual with related allowance	5,274	3,642
Related allowance	103	78
Year to date Interest Income	410	274
Residential real estate: | Residential line of credit
Financing Receivable, Past Due [Line Items]
Nonaccrual with no related allowance	685	1,134
Nonaccrual with related allowance	451	266
Related allowance	8	4
Year to date Interest Income	141	136
Residential real estate: | Multi-family mortgage
Financing Receivable, Past Due [Line Items]
Nonaccrual with no related allowance	0	1
Nonaccrual with related allowance	32	41
Related allowance	1	1
Year to date Interest Income	3	3
Commercial real estate: | Owner-occupied
Financing Receivable, Past Due [Line Items]
Nonaccrual with no related allowance	2,920	5,200
Nonaccrual with related allowance	268	210
Related allowance	15	1
Year to date Interest Income	514	232
Commercial real estate: | Non-owner occupied
Financing Receivable, Past Due [Line Items]
Nonaccrual with no related allowance	3,316	5,755
Nonaccrual with related allowance	35	201
Related allowance	1	5
Year to date Interest Income	1,221	332
Consumer and other
Financing Receivable, Past Due [Line Items]
Nonaccrual with no related allowance	0	0
Nonaccrual with related allowance	9,203	6,451
Related allowance	498	327
Year to date Interest Income	$ 1,053	$ 358

Loans and Allowance for Credi_8

Loans and Allowance for Credit Losses on Loans HFI - Schedule of Financial Effect of TDRs (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) loan	Dec. 31, 2021 USD ($) loan
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan	9	23
Pre-modification outstanding recorded investment	$ 1,075	$ 34,115
Post-modification outstanding recorded investment	1,301	34,115
Charge offs and specific reserves	$ 0	$ 446
Commercial and industrial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan	3	8
Pre-modification outstanding recorded investment	$ 612	$ 15,430
Post-modification outstanding recorded investment	522	15,430
Charge offs and specific reserves	$ 0	$ 446
Construction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan		0
Pre-modification outstanding recorded investment		$ 0
Post-modification outstanding recorded investment		0
Charge offs and specific reserves		$ 0
Residential real estate: | 1-to-4 family mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan	3	3
Pre-modification outstanding recorded investment	$ 391	$ 945
Post-modification outstanding recorded investment	707	945
Charge offs and specific reserves	$ 0	$ 0
Residential real estate: | Residential line of credit
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan	1	3
Pre-modification outstanding recorded investment	$ 49	$ 485
Post-modification outstanding recorded investment	49	485
Charge offs and specific reserves	$ 0	$ 0
Residential real estate: | Multi-family mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan		1
Pre-modification outstanding recorded investment		$ 49
Post-modification outstanding recorded investment		49
Charge offs and specific reserves		$ 0
Consumer and other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan	2
Pre-modification outstanding recorded investment	$ 23
Post-modification outstanding recorded investment	23
Charge offs and specific reserves	$ 0
Commercial real estate | Owner-occupied
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan		7
Pre-modification outstanding recorded investment		$ 5,209
Post-modification outstanding recorded investment		5,209
Charge offs and specific reserves		$ 0
Commercial real estate | Non-owner occupied
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loans | loan		1
Pre-modification outstanding recorded investment		$ 11,997
Post-modification outstanding recorded investment		11,997
Charge offs and specific reserves		$ 0

Loans and Allowance for Credi_9

Loans and Allowance for Credit Losses on Loans HFI - Schedule of Individually Assessed Allowance for Credit Losses for Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	$ 150,326	$ 134,192	$ 125,559	$ 170,389
Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	19,599	11,106	15,751	14,748
Construction
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	35,372	39,808	28,576	58,477
Residential real estate: | 1-to-4 family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	26,505	26,141	19,104	19,220
Residential real estate: | Residential line of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	9,468	7,494	5,903	10,534
Commercial real estate: | Owner-occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	10,653	7,783	12,593	4,849
Commercial real estate: | Non-owner occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	22,965	21,916	25,768	44,147
Consumer and other
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	16,922	13,454	$ 10,888	$ 11,240
Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	20,189	19,511
Real Estate | Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	0	2,596
Real Estate | Construction
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	8,224
Real Estate | Residential real estate: | 1-to-4 family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	5,317	4,467
Real Estate | Residential real estate: | Residential line of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	1,245	1,135
Real Estate | Commercial real estate: | Owner-occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	1,975	5,424
Real Estate | Commercial real estate: | Non-owner occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	3,316	5,755
Real Estate | Consumer and other
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	112	134
Farmland
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	1,523
Farmland | Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	363
Farmland | Construction
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	0
Farmland | Residential real estate: | 1-to-4 family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	0
Farmland | Residential real estate: | Residential line of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	0
Farmland | Commercial real estate: | Owner-occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	1,160
Farmland | Commercial real estate: | Non-owner occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	0
Farmland | Consumer and other
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	0
Business Assets
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	20,599	0
Business Assets | Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	20,599	0
Business Assets | Construction
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	0
Business Assets | Residential real estate: | 1-to-4 family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	0	0
Business Assets | Residential real estate: | Residential line of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	0	0
Business Assets | Commercial real estate: | Owner-occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	0	0
Business Assets | Commercial real estate: | Non-owner occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	0	0
Business Assets | Consumer and other
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	0	0
Total
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	42,311	19,511
Individually assessed allowance for credit loss	5,136	194
Total | Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	20,962	2,596
Individually assessed allowance for credit loss	4,946	0
Total | Construction
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	8,224
Individually assessed allowance for credit loss	30
Total | Residential real estate: | 1-to-4 family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	5,317	4,467
Individually assessed allowance for credit loss	129	194
Total | Residential real estate: | Residential line of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	1,245	1,135
Individually assessed allowance for credit loss	10	0
Total | Commercial real estate: | Owner-occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	3,135	5,424
Individually assessed allowance for credit loss	0	0
Total | Commercial real estate: | Non-owner occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	3,316	5,755
Individually assessed allowance for credit loss	0	0
Total | Consumer and other
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	112	134
Individually assessed allowance for credit loss	$ 21	$ 0

Loans and Allowance for Cred_10

Loans and Allowance for Credit Losses on Loans HFI - Schedule of Changes in Allowance for Credit Losses on Loans HFI by Class of Financing Receivable (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	$ 134,192	$ 125,559	$ 170,389
Provision for (reversal of) credit losses on loans HFI	16,738	10,393	(38,995)
Recoveries of loans previously charged-off	2,899	2,941	2,033
Loans charged off	(3,503)	(4,701)	(7,868)
Balance at end of period	150,326	134,192	125,559
Commercial and industrial
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	11,106	15,751	14,748
Provision for (reversal of) credit losses on loans HFI	8,682	(4,563)	4,178
Recoveries of loans previously charged-off	273	2,005	861
Loans charged off	(462)	(2,087)	(4,036)
Balance at end of period	19,599	11,106	15,751
Construction
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	39,808	28,576	58,477
Provision for (reversal of) credit losses on loans HFI	(4,446)	11,221	(29,874)
Recoveries of loans previously charged-off	10	11	3
Loans charged off	0	0	(30)
Balance at end of period	35,372	39,808	28,576
Residential real estate: | 1-to-4 family mortgage
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	26,141	19,104	19,220
Provision for (reversal of) credit losses on loans HFI	310	7,060	(87)
Recoveries of loans previously charged-off	100	54	125
Loans charged off	(46)	(77)	(154)
Balance at end of period	26,505	26,141	19,104
Residential real estate: | Residential line of credit
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	7,494	5,903	10,534
Provision for (reversal of) credit losses on loans HFI	1,973	1,574	(4,728)
Recoveries of loans previously charged-off	1	17	115
Loans charged off	0	0	(18)
Balance at end of period	9,468	7,494	5,903
Residential real estate: | Multi-family mortgage
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	6,490	6,976	7,174
Provision for (reversal of) credit losses on loans HFI	2,352	(486)	(197)
Recoveries of loans previously charged-off	0	0	0
Loans charged off	0	0	(1)
Balance at end of period	8,842	6,490	6,976
Commercial real estate: | Owner-occupied
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	7,783	12,593	4,849
Provision for (reversal of) credit losses on loans HFI	2,905	(4,883)	7,588
Recoveries of loans previously charged-off	109	88	156
Loans charged off	(144)	(15)	0
Balance at end of period	10,653	7,783	12,593
Commercial real estate: | Non-owner occupied
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	21,916	25,768	44,147
Provision for (reversal of) credit losses on loans HFI	(784)	(3,584)	(16,813)
Recoveries of loans previously charged-off	1,833	0	0
Loans charged off	0	(268)	(1,566)
Balance at end of period	22,965	21,916	25,768
Consumer and other
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	13,454	10,888	11,240
Provision for (reversal of) credit losses on loans HFI	5,746	4,054	938
Recoveries of loans previously charged-off	573	766	773
Loans charged off	(2,851)	(2,254)	(2,063)
Balance at end of period	$ 16,922	$ 13,454	$ 10,888

Premises and Equipment - Schedu

Premises and Equipment - Schedule of Premises and Equipment and Related Accumulated Depreciation (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Property, Plant and Equipment [Line Items]
Finance lease	$ 1,256	$ 1,367
Premises and equipment and finance lease, gross	207,388	222,063
Less: accumulated depreciation and amortization	(51,657)	(75,747)
Total premises and equipment	155,731	146,316
Land
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	35,092	32,985
Premises
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	112,092	109,277
Furniture, fixtures and equipment
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	25,734	49,203
Leasehold improvements
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	28,271	19,001
Construction in process
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	$ 4,943	$ 10,230

Premises and Equipment - Narrat

Premises and Equipment - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Depreciation and amortization expense	$ 9,797	$ 7,554	$ 7,411

Other Real Estate Owned - Sched

Other Real Estate Owned - Schedule of Other Real Estate Owned (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Other Real Estate [Roll Forward]
Balance at beginning of period	$ 5,794	$ 9,777	$ 12,111
Transfers from loans	2,736	1,437	5,262
Transfers to other assets	(75)	0	0
Transfers to premises and equipment	0	(351)	0
Proceeds from sale of other real estate owned	(6,083)	(4,955)	(9,396)
Gain on sale of other real estate owned	835	328	3,248
Loans provided for sales of other real estate owned	0	0	(704)
Write-downs and partial liquidations	(15)	(442)	(744)
Balance at end of period	$ 3,192	$ 5,794	$ 9,777

Other Real Estate Owned - Narra

Other Real Estate Owned - Narrative (Details) - Residential Real Estate Properties - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Real Estate Properties [Line Items]
Foreclosed residential real estate properties	$ 2,414	$ 840
Total foreclosure proceedings in process	$ 3,377	$ 2,653

Goodwill and Intangible Asset_2

Goodwill and Intangible Assets - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill	$ 242,561,000	$ 242,561,000	$ 242,561,000
Goodwill impairment	0
Amortization of core deposit and other intangibles	$ 3,659,000	$ 4,585,000	$ 5,473,000

Goodwill and Intangible Asset_3

Goodwill and Intangible Assets - Schedule of Core Deposit and Other Intangibles (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	$ 61,435	$ 61,435
Accumulated Amortization	(52,726)	(49,067)
Net Carrying Amount	8,709	12,368
Core deposit intangible
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	59,835	59,835
Accumulated Amortization	(51,699)	(48,200)
Net Carrying Amount	8,136	11,635
Customer base trust intangible
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	1,600	1,600
Accumulated Amortization	(1,027)	(867)
Net Carrying Amount	$ 573	$ 733

Goodwill and Intangible Asset_4

Goodwill and Intangible Assets - Schedule of Estimated Aggregate Amortization Expense of Core Deposit and Other Intangibles (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
2024	$ 2,946
2025	2,306
2026	1,563
2027	1,080
2028	572
Thereafter	242
Net Carrying Amount	$ 8,709	$ 12,368

Leases - Narrative (Details)

Leases - Narrative (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($) branch lease	Dec. 31, 2022 USD ($) banking_location	Dec. 31, 2021 USD ($)
Lessee, Lease, Description [Line Items]
Lessee, number of operating leases | lease	54
Lessee, number of finance leases | lease	1
Number of branch closures | branch	2
Loss on modification and termination of lease		$ 364
Number of locations vacated | banking_location		2
Gain on modification and termination of lease		$ (18)
Loss (gain) on lease modifications and terminations	$ 1,770	$ 346	$ (805)
Minimum
Lessee, Lease, Description [Line Items]
Lessee, operating and finance lease, renewal term	20 years

Leases - Schedule of Informatio

Leases - Schedule of Information Related to Company's Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Leases [Abstract]
Operating leases	$ 54,295	$ 60,043
Finance leases	1,256	1,367
Total right-of-use assets	55,551	61,410
Operating leases	67,643	69,754
Finance leases	1,326	1,420
Total lease liabilities	$ 68,969	$ 71,174
Weighted average remaining lease term (in years) - operating	11 years 7 months 6 days	12 years 1 month 6 days
Weighted average remaining lease term (in years) - finance	11 years 4 months 24 days	12 years 4 months 24 days
Weighted average discount rate - operating	3.39%	3.08%
Weighted average discount rate - finance	1.76%	1.76%
Right-of-use asset - finance [Extensible Enumeration]	Property, Plant, and Equipment and Finance Lease Right-of-Use Asset, after Accumulated Depreciation and Amortization	Property, Plant, and Equipment and Finance Lease Right-of-Use Asset, after Accumulated Depreciation and Amortization
Lease liabilities - finance [Extensible Enumeration]	Borrowings	Borrowings

Leases - Schedule of Lease Expe

Leases - Schedule of Lease Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Leases [Abstract]
Amortization of right-of-use asset	$ 8,516	$ 8,441	$ 7,636
Short-term lease cost	540	526	427
Variable lease cost	1,205	1,078	1,003
Loss (gain) on lease modifications and terminations	1,770	346	(805)
Interest on lease liabilities	24	28	25
Amortization of right-of-use asset	111	120	101
Sublease income	(957)	(993)	(573)
Total lease cost	$ 11,209	$ 9,546	$ 7,814

Leases - Schedule of Maturity A

Leases - Schedule of Maturity Analysis of Operating and Finance Lease Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Operating Leases
December 31, 2024	$ 8,453
December 31, 2025	8,448
December 31, 2026	8,328
December 31, 2027	7,878
December 31, 2028	6,979
Thereafter	44,147
Total undiscounted future minimum lease payments	84,233
Less: imputed interest	(16,590)
Operating leases	67,643	$ 69,754
Finance Lease
December 31, 2024	120
December 31, 2025	121
December 31, 2026	123
December 31, 2027	125
December 31, 2028	127
Thereafter	850
Total undiscounted future minimum lease payments	1,466
Less: imputed interest	(140)
Finance leases	$ 1,326	$ 1,420

Mortgage Servicing Rights - Sch

Mortgage Servicing Rights - Schedule of Changes in Mortgage Servicing Rights (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Servicing Asset at Fair Value, Amount [Roll Forward]
Carrying value at beginning of period	$ 168,365	$ 115,512	$ 79,997
Capitalization	7,192	20,809	39,018
Change in fair value:
Due to payoffs/paydowns	(12,327)	(16,012)	(30,583)
Due to change in valuation inputs or assumptions	1,019	48,056	27,080
Carrying value at end of period	$ 164,249	$ 168,365	$ 115,512

Mortgage Servicing Rights - S_2

Mortgage Servicing Rights - Schedule of Servicing Income and Expense Included in Mortgage Banking Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Servicing income:
Servicing income	$ 30,263	$ 30,763	$ 28,890
Contractually Specified Servicing Fee Income, Statement of Income or Comprehensive Income [Extensible Enumeration]	Mortgage banking income, service charges on deposit accounts, investment services and trust income, ATM and interchange fees, Other expense	Mortgage banking income, service charges on deposit accounts, investment services and trust income, ATM and interchange fees, Other expense	Mortgage banking income, service charges on deposit accounts, investment services and trust income, ATM and interchange fees, Other expense
Change in fair value of mortgage servicing rights	$ (11,308)	$ 32,044	$ (3,503)
Change in fair value of derivative hedging instruments	(4,918)	(42,143)	(8,614)
Servicing income	14,037	20,664	16,773
Servicing expenses	8,093	10,259	9,862
Net servicing income (loss)	$ 5,944	$ 10,405	$ 6,911

Mortgage Servicing Rights - S_3

Mortgage Servicing Rights - Schedule of Data and Key Economic Assumptions Related to Mortgage Servicing Rights (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Transfers and Servicing of Financial Assets [Abstract]
Unpaid principal balance of mortgage loans sold and serviced for others	$ 10,762,906	$ 11,086,582
Weighted-average prepayment speed (CPR)	6.19%	5.55%
Estimated impact on fair value of a 10% increase	$ (4,616)	$ (4,886)
Estimated impact on fair value of a 20% increase	$ (8,924)	$ (9,447)
Discount rate	9.62%	9.10%
Estimated impact on fair value of a 100 bp increase	$ (7,637)	$ (8,087)
Estimated impact on fair value of a 200 bp increase	$ (14,624)	$ (15,475)
Weighted-average coupon interest rate	3.47%	3.31%
Weighted-average servicing fee (basis points)	0.27%	0.27%
Weighted-average remaining maturity (in months)	334 months	332 months

Mortgage Servicing Rights - Nar

Mortgage Servicing Rights - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Transfers and Servicing of Financial Assets [Abstract]
Mortgage escrow deposit	$ 63,591	$ 75,612

Other Assets and Other Liabil_3

Other Assets and Other Liabilities - Schedule of Other Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Other Assets And Other Liabilities [Abstract]
Derivatives	$ 34,738	$ 48,769
Deferred tax asset	31,631	42,412
Equity securities without readily determinable market value	25,191	22,496
FHLB lender risk account receivable	20,258	19,737
Mortgage lending receivable	16,344	14,425
Pledged collateral on derivative instruments	14,042	23,325
Prepaid expenses	13,594	9,280
Current income tax receivable	5,930	7,373
Software	525	108
Other assets	41,156	40,031
Other assets	$ 203,409	$ 227,956

Other Assets and Other Liabil_4

Other Assets and Other Liabilities - Schedule of Other Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Other Assets And Other Liabilities [Abstract]
Derivatives	$ 38,215	$ 63,229
Accrued interest payable	18,809	8,648
Accrued payroll	18,406	13,592
FHLB lender risk account guaranty	9,746	9,558
Allowance for credit losses on unfunded commitments	8,770	22,969
Deferred compensation	2,152	2,424
Mortgage buyback reserve	899	1,621
Other liabilities	45,625	58,932
Accrued expenses and other liabilities	$ 142,622	$ 180,973

Deposits - Narrative (Details)

Deposits - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Deposits [Abstract]
Time deposits in denomination of greater than $250	$ 644,588	$ 556,537
Deposits in overdraft status reclassified as loans	$ 3,475	$ 5,725

Deposits - Schedule of Maturiti

Deposits - Schedule of Maturities of Time Deposits (Details) $ in Thousands	Dec. 31, 2023 USD ($)
Deposits [Abstract]
December 31, 2024	$ 1,279,052
December 31, 2025	309,929
December 31, 2026	14,902
December 31, 2027	10,239
December 31, 2028	6,504
Thereafter	7
Total	$ 1,620,633

Borrowings - Schedule of Long-t

Borrowings - Schedule of Long-term Debt Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Assets Sold under Agreements to Repurchase [Line Items]
Outstanding Balance	$ 390,964	$ 415,677
Weighted Average Interest Rate	5.05%	3.78%
Securities sold under agreements to repurchase and federal funds purchased
Assets Sold under Agreements to Repurchase [Line Items]
Outstanding Balance	$ 108,764	$ 86,945
Weighted Average Interest Rate	5.05%	3.78%
FHLB advances
Assets Sold under Agreements to Repurchase [Line Items]
Outstanding Balance		$ 175,000
Weighted Average Interest Rate	0%	4.44%
Bank Term Funding Program
Assets Sold under Agreements to Repurchase [Line Items]
Outstanding Balance	$ 130,000	$ 0
Weighted Average Interest Rate	4.85%	0%
Subordinated debt, net
Assets Sold under Agreements to Repurchase [Line Items]
Outstanding Balance	$ 129,645	$ 126,101
Weighted Average Interest Rate	5.52%	5.31%
Other borrowings
Assets Sold under Agreements to Repurchase [Line Items]
Outstanding Balance	$ 22,555	$ 27,631
Weighted Average Interest Rate	0.10%	0.09%

Borrowings - Securities Sold Un

Borrowings - Securities Sold Under Agreements to Repurchase (Details)	12 Months Ended
	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Assets Sold under Agreements to Repurchase [Line Items]
Securities sold under agreements to repurchase	$ 19,328,000	$ 21,945,000
Securities sold under agreements to repurchase, average rate paid	1.60%	0.18%
Percentage of fair value of securities pledged of the outstanding balance of repurchase agreement	1
Weighted Average Interest Rate	5.05%	3.78%
Federal Funds Purchased
Assets Sold under Agreements to Repurchase [Line Items]
Line of credit	$ 370,000,000	$ 350,000,000
Collateral Pledged
Assets Sold under Agreements to Repurchase [Line Items]
Letter of credit pledged	$ 89,436,000	$ 65,000,000
Weighted Average Interest Rate	5.79%	5%

Borrowings - Schedule of Securi

Borrowings - Schedule of Securities Sold Under Agreements to Repurchase (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Debt Disclosure [Abstract]
Balance at year end	$ 108,764	$ 86,945
Average daily balance during the year	$ 29,860	$ 28,497
Average interest rate during the year	2.24%	0.23%
Maximum month-end balance during the year	$ 116,220	$ 86,945
Weighted Average Interest Rate	5.05%	3.78%

Borrowings - Federal Home Loan

Borrowings - Federal Home Loan Bank Advances (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Total borrowing capacity remaining	$ 1,757,702	$ 1,270,240
Collateral securing line of credit	3,014,023	2,673,464
Borrowings	390,964	415,677
FHLB advances
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Advances	$ 0	0
Borrowings		$ 175,000

Borrowings - Schedule of Federa

Borrowings - Schedule of Federal Home Loan Bank Advances (Details) - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Debt Disclosure [Abstract]
Balance at year end	$ 0	$ 175,000,000
Average daily balance during the year	$ 28,973,000	$ 171,142,000
Average interest rate during the year	5.13%	3.26%
Maximum month-end balance during the year	$ 125,000,000	$ 540,000,000
Weighted average interest rate at year-end	0%	4.44%

Borrowings - Bank Term Funding

Borrowings - Bank Term Funding Program (Details) - USD ($) $ in Thousands	1 Months Ended
	Mar. 31, 2023	Dec. 31, 2023	Dec. 31, 2022
Debt Instrument [Line Items]
Borrowings		$ 390,964	$ 415,677
Weighted Average Interest Rate		5.05%	3.78%
Bank Term Funding Program
Debt Instrument [Line Items]
Basis spread on debt variable rate	0.10%
Borrowings		$ 130,000	$ 0
Weighted Average Interest Rate		4.85%	0%

Borrowings - Schedule of Bank T

Borrowings - Schedule of Bank Term Funding Program (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Debt Instrument [Line Items]
Borrowings	$ 390,964	$ 415,677
Average daily balance during the year	29,860	28,497
Maximum month-end balance during the year	$ 116,220	$ 86,945
Weighted Average Interest Rate	5.05%	3.78%
Bank Term Funding Program
Debt Instrument [Line Items]
Borrowings	$ 130,000	$ 0
Average daily balance during the year	$ 1,781
Average interest rate during the year	4.85%
Maximum month-end balance during the year	$ 130,000
Weighted Average Interest Rate	4.85%	0%

Borrowings - Subordinated Debt

Borrowings - Subordinated Debt (Details)	12 Months Ended
	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Dec. 31, 2003 USD ($) trust	Dec. 31, 2020 USD ($)
Debt Instrument [Line Items]
Net proceeds from sale of common stock under employee stock purchase program	$ 723,000	$ 1,212,000	$ 1,480,000
Subordinated debt, net
Debt Instrument [Line Items]
Number of separate trusts | trust				2
Long-term debt, term	30 years
Subordinated debt, net | Floating Rate Trust Preferred Securities Trust I
Debt Instrument [Line Items]
Preferred securities issued to form the trust				$ 9,000,000
Issuance of subordinated debt, net of issuance costs				9,280,000
Net proceeds from sale of common stock under employee stock purchase program				280,000
Subordinated debt, net | Floating Rate Trust Preferred Securities Trust II
Debt Instrument [Line Items]
Preferred securities issued to form the trust				21,000,000
Issuance of subordinated debt, net of issuance costs				21,650,000
Net proceeds from sale of common stock under employee stock purchase program				$ 650,000
Subordinated debt, net | Fixed To Floating Rate Note
Debt Instrument [Line Items]
Debt instrument, face amount					$ 100,000,000
Long-term debt, term					10 years

Borrowings - Schedule of Subord

Borrowings - Schedule of Subordinated Borrowing (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($)
Debt Instrument [Line Items]
Total Subordinated Debt, net	$ 129,645
Subordinated debt, net
Debt Instrument [Line Items]
Unamortized debt issuance costs	(612)
Fair value hedge	(673)
Floating Rate Trust Preferred Securities Trust | Subordinated debt, net
Debt Instrument [Line Items]
Actual, amount	30,000
Floating Rate Trust Preferred Securities Trust I | Subordinated debt, net
Debt Instrument [Line Items]
Total Subordinated Debt, net	$ 9,280
Interest Rate	8.84%
Floating Rate Trust Preferred Securities Trust I | Subordinated debt, net | London Interbank Offered Rate LIBOR
Debt Instrument [Line Items]
Basis spread on debt variable rate	3.51%
Floating Rate Trust Preferred Securities Trust II | Subordinated debt, net
Debt Instrument [Line Items]
Total Subordinated Debt, net	$ 21,650
Interest Rate	8.77%
Floating Rate Trust Preferred Securities Trust II | Subordinated debt, net | London Interbank Offered Rate LIBOR
Debt Instrument [Line Items]
Basis spread on debt variable rate	3.41%
Fixed To Floating Rate Note | Subordinated debt, net
Debt Instrument [Line Items]
Total Subordinated Debt, net	$ 100,000
Interest Rate	4.50%
Basis spread on debt variable rate	4.39%

Borrowings - Other Borrowings (

Borrowings - Other Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Debt Instrument [Line Items]
Finance leases	$ 1,326	$ 1,420
Borrowings	390,964	415,677
Other borrowings
Debt Instrument [Line Items]
Borrowings	22,555	27,631
GNMA | Other borrowings
Debt Instrument [Line Items]
Borrowings	$ 21,229	$ 26,211

Income Taxes - Allocation of Fe

Income Taxes - Allocation of Federal and State Income Taxes between Current and Deferred Portions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Current	$ 31,467	$ 22,451	$ 21,980
Deferred	(1,415)	12,552	30,770
Income tax expense, as reported	$ 30,052	$ 35,003	$ 52,750

Income Taxes - Schedule of Reco

Income Taxes - Schedule of Reconciliation of Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Federal taxes calculated at statutory rate	$ 31,561	$ 33,510	$ 51,041
(Decrease) increase resulting from:
State taxes, net of federal benefit	(158)	3,845	8,788
(Benefit) expense from equity based compensation	219	(392)	(2,719)
Municipal interest income, net of interest disallowance	(1,804)	(1,774)	(1,818)
Bank-owned life insurance	(393)	(305)	(324)
NOL Carryback provision under CARES Act	0	0	(3,424)
Offering costs	0	0	123
Section 162(m) limitation	244	241	1,381
Other	383	(122)	(298)
Income tax expense, as reported	$ 30,052	$ 35,003	$ 52,750
Federal taxes calculated at statutory rate, percent	21%	21%	21%
Percentage increase (decrease) resulting from:
State taxes, net of federal benefit	(0.10%)	2.40%	3.50%
(Benefit) expense from equity based compensation	0.10%	(0.20%)	(1.10%)
Municipal interest income, net of interest disallowance	(1.20%)	(1.10%)	(0.80%)
Bank-owned life insurance	(0.30%)	(0.20%)	(0.10%)
NOL Carryback provision under CARES Act	0%	0%	(1.40%)
Offering costs	0%	0%	0.10%
Section 162(m) limitation	0.20%	0.10%	0.60%
Other	0.30%	(0.10%)	(0.10%)
Total	20%	21.90%	21.70%

Income Taxes - Schedule of Net

Income Taxes - Schedule of Net Deferred Tax Assets (Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Deferred tax assets:
Allowance for credit losses	$ 39,228	$ 38,646
Operating lease liabilities	24,607	25,882
Net operating loss	805	1,088
Amortization of core deposit intangibles	1,135	653
Deferred compensation	7,433	5,245
Unrealized loss on debt securities	48,714	61,004
Other assets	4,863	6,691
Subtotal	126,785	139,209
Deferred tax liabilities:
FHLB stock dividends	(263)	(484)
Operating leases - right of use assets	(21,312)	(24,478)
Depreciation	(5,996)	(7,274)
Unrealized gain on equity securities	(2,122)	(2,287)
Unrealized gain on cash flow hedges	(151)	(327)
Mortgage servicing rights	(42,797)	(43,869)
Goodwill	(17,995)	(15,869)
Other liabilities	(4,518)	(2,209)
Subtotal	(95,154)	(96,797)
Net deferred tax assets	$ 31,631	$ 42,412

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Operating Loss Carryforwards [Line Items]
Net operating loss	$ 805	$ 1,088
Franklin Financial Network, Inc.
Operating Loss Carryforwards [Line Items]
Net operating loss	$ 3,835	$ 5,179

Dividend Restrictions (Details)

Dividend Restrictions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Disclosure of Restrictions on Dividends, Loans and Advances Disclosure [Abstract]
Amount available for payment of dividend without prior approval	$ 218,415	$ 161,251
Cash dividends	$ 49,000	$ 49,000	$ 122,500

Commitments and Contingencies -

Commitments and Contingencies - Schedule of Financial Instruments with Off-Balance Sheet Credit Risk (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Balance at end of period	$ 2,983,071	$ 3,635,232
Commitments to extend credit, excluding interest rate lock commitments
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Balance at end of period	2,906,016	3,563,982
Letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Balance at end of period	$ 77,055	$ 71,250

Commitments and Contingencies_2

Commitments and Contingencies - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
Floating interest rate loan commitments	$ 2,459,669	$ 2,961,683
Total principal amount of loans repurchased or indemnified	$ 8,552	$ 7,834	$ 7,364

Commitments and Contingencies_3

Commitments and Contingencies - Schedule of Allowance of Credit Losses on Unfunded Commitments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Commitments and Contingencies [Roll Forward]
Balance at beginning of period	$ 134,192	$ 125,559	$ 170,389
Balance at end of period	150,326	134,192	125,559
Unfunded Commitments
Commitments and Contingencies [Roll Forward]
Balance at beginning of period	22,969	14,380	16,378
(Reversal of) provision for credit losses on unfunded commitments	(14,199)	8,589	(1,998)
Balance at end of period	$ 8,770	$ 22,969	$ 14,380

Commitments and Contingencies_4

Commitments and Contingencies - Schedule of Activity in the Repurchase Reserve (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Commitments and Contingencies [Roll Forward]
Balance at beginning of period	$ 1,621	$ 4,802	$ 5,928
Provision for loan repurchases or indemnifications	(650)	(2,989)	(766)
Losses on loans repurchased or indemnified	(72)	(192)	(360)
Balance at end of period	$ 899	$ 1,621	$ 4,802

Derivatives - Schedule of Fair

Derivatives - Schedule of Fair Value Hedges (Details) - Interest Rate Swap - Designated as Hedging Instrument - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Derivative [Line Items]
Remaining Maturity (In Years)	5 months 26 days
Receive Fixed Rate	1.48%
Notional Amount	$ 300,000,000	$ 300,000,000
Estimated fair value	$ (5,170,000)	(13,677,000)
Fixed Rate Money Market Deposits One
Derivative [Line Items]
Remaining Maturity (In Years)	7 months 20 days
Receive Fixed Rate	1.50%
Notional Amount	$ 75,000,000	75,000,000
Estimated fair value	$ (1,686,000)	(3,693,000)
Fixed Rate Money Market Deposits Two
Derivative [Line Items]
Remaining Maturity (In Years)	7 months 20 days
Receive Fixed Rate	1.50%
Notional Amount	$ 125,000,000	125,000,000
Estimated fair value	$ (2,811,000)	(6,154,000)
Subordinated debt, net
Derivative [Line Items]
Remaining Maturity (In Years)	2 months 1 day
Receive Fixed Rate	1.46%
Notional Amount	$ 100,000,000	100,000,000
Estimated fair value	$ (673,000)	$ (3,830,000)

Derivatives - Schedule Income I

Derivatives - Schedule Income Included In Interest Expense On Borrowings And Deposits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Derivatives, Fair Value [Line Items]
Interest (expense) income, net	$ 407,217	$ 412,235	$ 347,370
Interest Rate Swap | Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Interest (expense) income, net	(10,806)	(1,112)
Interest Rate Swap | Designated as Hedging Instrument | Fixed Rate Money Market Deposits
Derivatives, Fair Value [Line Items]
Interest (expense) income, net	(7,176)	(717)
Interest Rate Swap | Designated as Hedging Instrument | Subordinated debt, net
Derivatives, Fair Value [Line Items]
Interest (expense) income, net	$ (3,630)	$ (395)

Derivatives - Schedule of Balan

Derivatives - Schedule of Balance Sheet (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Subordinated debt, net
Derivative [Line Items]
Unamortized subordinated debt issuance costs	$ 612
Interest Rate Swap
Derivative [Line Items]
Carrying Amount of the Hedged Item	296,858	$ 291,691
Cumulative Decrease in Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Item	(5,170)	(13,677)
Money market and savings deposits | Interest Rate Swap
Derivative [Line Items]
Carrying Amount of the Hedged Item	198,143	196,520
Cumulative Decrease in Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Item	(4,497)	(9,847)
Purchase accounting fair value premium	2,640	6,367
Borrowings | Interest Rate Swap
Derivative [Line Items]
Carrying Amount of the Hedged Item	98,715	95,171
Cumulative Decrease in Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Item	(673)	(3,830)
Borrowings | Interest Rate Swap | Subordinated debt, net
Derivative [Line Items]
Unamortized subordinated debt issuance costs	$ 612	$ 999

Derivatives - Schedule of Deriv

Derivatives - Schedule of Derivative Financial Instruments (Details) - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Derivatives, Fair Value [Line Items]
Asset	$ 34,738,000	$ 48,769,000
Liability	(38,215,000)	(63,229,000)
Not designated as hedging
Derivatives, Fair Value [Line Items]
Notional Amount	1,052,082,000	1,379,923,000
Asset	34,159,000	47,514,000
Liability	(33,045,000)	(49,552,000)
Not designated as hedging | Interest rate contracts
Derivatives, Fair Value [Line Items]
Notional Amount	569,865,000	560,310,000
Asset	32,179,000	45,775,000
Liability	(32,184,000)	(45,762,000)
Not designated as hedging | Forward commitments
Derivatives, Fair Value [Line Items]
Notional Amount	159,000,000	207,000,000
Asset	0	306,000
Liability	(861,000)	0
Not designated as hedging | Interest rate-lock commitments
Derivatives, Fair Value [Line Items]
Notional Amount	69,217,000	118,313,000
Asset	1,203,000	1,433,000
Liability	0	0
Not designated as hedging | Futures contracts
Derivatives, Fair Value [Line Items]
Notional Amount	254,000,000	494,300,000
Asset	777,000	0
Liability	0	(3,790,000)
Designated as hedging | Interest Rate Swap
Derivatives, Fair Value [Line Items]
Notional Amount	300,000,000	300,000,000
Designated as hedging | Interest Rate Swap | Subordinated debt, net
Derivatives, Fair Value [Line Items]
Notional Amount	30,000,000
Asset	$ 579,000
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets
Liability		$ 1,255,000
Derivative Liability, Statement of Financial Position [Extensible Enumeration]		Accrued expenses and other liabilities

Derivatives - Narrative (Detail

Derivatives - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Derivative [Line Items]
Cash collateral pledged on derivatives	$ 14,042	$ 23,325
Designated as hedging | Interest Expense on Borrowings
Derivative [Line Items]
Gain (loss) included in income statement	$ 985	$ (93)	$ (577)

Derivatives - Schedule of Gains

Derivatives - Schedule of Gains (Losses) Included in the Consolidated Statements of Income Related to Derivative Financial Instruments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Derivatives, Fair Value [Line Items]
Amount of (loss) gain recognized in other comprehensive (loss) income, net of tax (benefit) expense of $(176), $532 and $293	$ (500)	$ 1,508	$ 831
Other comprehensive income (loss), cash flow hedge, gain (loss), before reclassification, tax	(176)	532	293
Designated as hedging
Derivatives, Fair Value [Line Items]
Amount of (loss) gain recognized in other comprehensive (loss) income, net of tax (benefit) expense of $(176), $532 and $293	(500)	1,508	831
Not designated as hedging
Derivatives, Fair Value [Line Items]
Gains (losses) on derivative financial instruments	(3,768)	13,695	(9,482)
Not designated as hedging | Interest rate-lock commitments
Derivatives, Fair Value [Line Items]
Gains (losses) on derivative financial instruments	(230)	(5,764)	(27,194)
Not designated as hedging | Forward commitments
Derivatives, Fair Value [Line Items]
Gains (losses) on derivative financial instruments	953	55,804	25,661
Not designated as hedging | Futures contracts
Derivatives, Fair Value [Line Items]
Gains (losses) on derivative financial instruments	(3,366)	(36,381)	(7,949)
Not designated as hedging | Option contracts
Derivatives, Fair Value [Line Items]
Gains (losses) on derivative financial instruments	$ (1,125)	$ 36	$ 0

Derivatives (Details)

Derivatives (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Asset	$ 34,738	$ 48,769
Liability	38,215	63,229
Not designated as hedging
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional Amount	1,052,082	1,379,923
Asset	34,159	47,514
Liability	33,045	49,552
Interest rate contracts | Not designated as hedging
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional Amount	569,865	560,310
Asset	32,179	45,775
Liability	32,184	45,762
Forward commitments | Not designated as hedging
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional Amount	159,000	207,000
Asset	0	306
Liability	861	0
Interest rate-lock commitments | Not designated as hedging
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional Amount	69,217	118,313
Asset	1,203	1,433
Liability	0	0
Futures contracts | Not designated as hedging
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional Amount	254,000	494,300
Asset	777	0
Liability	$ 0	$ 3,790

Derivatives - Schedule of Offse

Derivatives - Schedule of Offsetting Derivative Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Offsetting Derivative Assets
Gross amounts recognized	$ 31,468	$ 44,273
Gross amounts offset in the consolidated balance sheets	0	0
Net amounts presented in the consolidated balance sheets	31,468	44,273
Gross amounts not offset in the consolidated balance sheets, less financial instruments	6,502	14,229
Gross amounts not offset in the consolidated balance sheets, less financial collateral pledged	0	0
Net amounts	24,966	30,044
Offsetting Derivative Liabilities
Gross amounts recognized	11,330	20,251
Gross amounts offset in the consolidated balance sheets	0	0
Net amounts presented in the consolidated balance sheets	11,330	20,251
Gross amounts not offset in the consolidated balance sheets, less financial instruments	6,502	14,229
Gross amounts not offset in the consolidated balance sheets, less financial collateral pledged	4,828	6,022
Net amounts	$ 0	$ 0

Fair Value of Financial Instr_3

Fair Value of Financial Instruments - Schedule of Balances and Levels of Assets Measured at Fair Value on Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Financial assets:
Available-for-sale securities:	$ 1,471,973	$ 1,471,186
Equity securities, at fair value	0	2,990
Derivatives	34,738	48,769
Financial liabilities:
Derivatives	38,215	63,229
Mortgage-backed securities - residential
Financial assets:
Available-for-sale securities:	896,971	1,034,193
Mortgage-backed securities - commercial
Financial assets:
Available-for-sale securities:	16,961	17,644
Municipal securities
Financial assets:
Available-for-sale securities:	242,263	264,420
U.S. Treasury securities
Financial assets:
Available-for-sale securities:	108,496	107,680
Corporate securities
Financial assets:
Available-for-sale securities:	3,326	7,187
Recurring Basis
Financial assets:
Equity securities, at fair value		2,990
Total securities	1,471,973	1,474,176
Loans held for sale, at fair value	46,618	113,240
Mortgage servicing rights	164,249	168,365
Derivatives	34,738	48,769
Financial liabilities:
Derivatives	38,215	63,229
Recurring Basis | U.S. government agency securities
Financial assets:
Available-for-sale securities:	203,956	40,062
Recurring Basis | Mortgage-backed securities - residential
Financial assets:
Available-for-sale securities:	896,971	1,034,193
Recurring Basis | Mortgage-backed securities - commercial
Financial assets:
Available-for-sale securities:	16,961	17,644
Recurring Basis | Municipal securities
Financial assets:
Available-for-sale securities:	242,263	264,420
Recurring Basis | U.S. Treasury securities
Financial assets:
Available-for-sale securities:	108,496	107,680
Recurring Basis | Corporate securities
Financial assets:
Available-for-sale securities:	3,326	7,187
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1)
Financial assets:
Equity securities, at fair value		0
Total securities	0	0
Loans held for sale, at fair value	0	0
Mortgage servicing rights	0	0
Derivatives	0	0
Financial liabilities:
Derivatives	0	0
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1) | U.S. government agency securities
Financial assets:
Available-for-sale securities:	0	0
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1) | Mortgage-backed securities - residential
Financial assets:
Available-for-sale securities:	0	0
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1) | Mortgage-backed securities - commercial
Financial assets:
Available-for-sale securities:	0	0
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1) | Municipal securities
Financial assets:
Available-for-sale securities:	0	0
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1) | U.S. Treasury securities
Financial assets:
Available-for-sale securities:	0	0
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1) | Corporate securities
Financial assets:
Available-for-sale securities:	0	0
Recurring Basis | Significant other observable inputs (level 2)
Financial assets:
Equity securities, at fair value		2,990
Total securities	1,471,973	1,474,176
Loans held for sale, at fair value	46,618	82,750
Mortgage servicing rights	0	0
Derivatives	34,738	48,769
Financial liabilities:
Derivatives	38,215	63,229
Recurring Basis | Significant other observable inputs (level 2) | U.S. government agency securities
Financial assets:
Available-for-sale securities:	203,956	40,062
Recurring Basis | Significant other observable inputs (level 2) | Mortgage-backed securities - residential
Financial assets:
Available-for-sale securities:	896,971	1,034,193
Recurring Basis | Significant other observable inputs (level 2) | Mortgage-backed securities - commercial
Financial assets:
Available-for-sale securities:	16,961	17,644
Recurring Basis | Significant other observable inputs (level 2) | Municipal securities
Financial assets:
Available-for-sale securities:	242,263	264,420
Recurring Basis | Significant other observable inputs (level 2) | U.S. Treasury securities
Financial assets:
Available-for-sale securities:	108,496	107,680
Recurring Basis | Significant other observable inputs (level 2) | Corporate securities
Financial assets:
Available-for-sale securities:	3,326	7,187
Recurring Basis | Significant unobservable inputs (level 3)
Financial assets:
Equity securities, at fair value		0
Total securities	0	0
Loans held for sale, at fair value	0	30,490
Mortgage servicing rights	164,249	168,365
Derivatives	0	0
Financial liabilities:
Derivatives	0	0
Recurring Basis | Significant unobservable inputs (level 3) | U.S. government agency securities
Financial assets:
Available-for-sale securities:	0	0
Recurring Basis | Significant unobservable inputs (level 3) | Mortgage-backed securities - residential
Financial assets:
Available-for-sale securities:	0	0
Recurring Basis | Significant unobservable inputs (level 3) | Mortgage-backed securities - commercial
Financial assets:
Available-for-sale securities:	0	0
Recurring Basis | Significant unobservable inputs (level 3) | Municipal securities
Financial assets:
Available-for-sale securities:	0	0
Recurring Basis | Significant unobservable inputs (level 3) | U.S. Treasury securities
Financial assets:
Available-for-sale securities:	0	0
Recurring Basis | Significant unobservable inputs (level 3) | Corporate securities
Financial assets:
Available-for-sale securities:	$ 0	$ 0

Fair Value of Financial Instr_4

Fair Value of Financial Instruments - Schedule of Balances and Levels of Assets Measured at Fair Value on Non-recurring Basis (Details) - Non-recurring Basis - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Financial assets:
Other real estate owned	$ 2,400	$ 2,497
Financing receivable, collateral dependent loans, recorded investment	13,041	2,860
Commercial and industrial
Financial assets:
Financing receivable, collateral dependent loans, recorded investment	12,338
Construction
Financial assets:
Financing receivable, collateral dependent loans, recorded investment	203
Residential real estate: | 1-to-4 family mortgage
Financial assets:
Financing receivable, collateral dependent loans, recorded investment	429	366
Commercial real estate: | Non-owner occupied
Financial assets:
Financing receivable, collateral dependent loans, recorded investment		2,494
Consumer and other
Financial assets:
Financing receivable, collateral dependent loans, recorded investment	71
Quoted prices in active markets for identical assets (liabilities) (level 1)
Financial assets:
Other real estate owned	0	0
Financing receivable, collateral dependent loans, recorded investment	0	0
Quoted prices in active markets for identical assets (liabilities) (level 1) | Commercial and industrial
Financial assets:
Financing receivable, collateral dependent loans, recorded investment	0
Quoted prices in active markets for identical assets (liabilities) (level 1) | Construction
Financial assets:
Financing receivable, collateral dependent loans, recorded investment	0
Quoted prices in active markets for identical assets (liabilities) (level 1) | Residential real estate: | 1-to-4 family mortgage
Financial assets:
Financing receivable, collateral dependent loans, recorded investment	0	0
Quoted prices in active markets for identical assets (liabilities) (level 1) | Commercial real estate: | Non-owner occupied
Financial assets:
Financing receivable, collateral dependent loans, recorded investment		0
Quoted prices in active markets for identical assets (liabilities) (level 1) | Consumer and other
Financial assets:
Financing receivable, collateral dependent loans, recorded investment	0
Significant other observable inputs (level 2)
Financial assets:
Other real estate owned	0	0
Financing receivable, collateral dependent loans, recorded investment	0	0
Significant other observable inputs (level 2) | Commercial and industrial
Financial assets:
Financing receivable, collateral dependent loans, recorded investment	0
Significant other observable inputs (level 2) | Construction
Financial assets:
Financing receivable, collateral dependent loans, recorded investment	0
Significant other observable inputs (level 2) | Residential real estate: | 1-to-4 family mortgage
Financial assets:
Financing receivable, collateral dependent loans, recorded investment	0	0
Significant other observable inputs (level 2) | Commercial real estate: | Non-owner occupied
Financial assets:
Financing receivable, collateral dependent loans, recorded investment		0
Significant other observable inputs (level 2) | Consumer and other
Financial assets:
Financing receivable, collateral dependent loans, recorded investment	0
Significant unobservable inputs (level 3)
Financial assets:
Other real estate owned	2,400	2,497
Financing receivable, collateral dependent loans, recorded investment	13,041	2,860
Significant unobservable inputs (level 3) | Commercial and industrial
Financial assets:
Financing receivable, collateral dependent loans, recorded investment	12,338
Significant unobservable inputs (level 3) | Construction
Financial assets:
Financing receivable, collateral dependent loans, recorded investment	203
Significant unobservable inputs (level 3) | Residential real estate: | 1-to-4 family mortgage
Financial assets:
Financing receivable, collateral dependent loans, recorded investment	429	366
Significant unobservable inputs (level 3) | Commercial real estate: | Non-owner occupied
Financial assets:
Financing receivable, collateral dependent loans, recorded investment		$ 2,494
Significant unobservable inputs (level 3) | Consumer and other
Financial assets:
Financing receivable, collateral dependent loans, recorded investment	$ 71

Fair Value of Financial Instr_5

Fair Value of Financial Instruments - Schedule of Changes in Fair Value Associated with Commercial Loans Held for Sale (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Change in fair value:
Fair Value Recurring Basis Unobservable Input Reconciliation Asset Gain Loss Statement Of Income Extensible List Not Disclosed Flag	Changes in valuation included in other noninterest income
Franklin Financial Network, Inc. | Commercial and industrial | Aggregate Unpaid Principal Balance
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Carrying value at beginning of period	$ 34,357	$ 86,762	$ 239,063
Change in fair value:
Pay-downs and pay-offs	(28,376)	(43,676)	(141,002)
Write-offs to discount	(5,981)	(8,729)	(8,563)
Changes in valuation included in other noninterest income	0	0	(2,736)
Carrying value at end of period	0	34,357	86,762
Franklin Financial Network, Inc. | Commercial and industrial | Fair Value Discount
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Carrying value at beginning of period	(3,867)	(7,463)	(23,660)
Change in fair value:
Pay-downs and pay-offs	0	0	0
Write-offs to discount	5,981	8,729	8,563
Changes in valuation included in other noninterest income	(2,114)	(5,133)	7,634
Carrying value at end of period	0	(3,867)	(7,463)
Franklin Financial Network, Inc. | Commercial and industrial |  Fair Value
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Carrying value at beginning of period	30,490	79,299	215,403
Change in fair value:
Pay-downs and pay-offs	(28,376)	(43,676)	(141,002)
Write-offs to discount	0	0	0
Changes in valuation included in other noninterest income	(2,114)	(5,133)	4,898
Carrying value at end of period	$ 0	$ 30,490	$ 79,299

Fair Value of Financial Instr_6

Fair Value of Financial Instruments - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Mortgage Loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Net (losses) gains from fair value changes of mortgage loans held for sale recorded in income	$ (121)	$ (13,677)	$ (16,976)
Loans HFS and derivatives
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Net (losses) gains from fair value changes of mortgage loans held for sale recorded in income	(1,815)	(17,633)	(33,284)
Level 3 | Non-recurring Basis
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Amortized costs of collateral dependent loans	18,166	3,054
Franklin Financial Network, Inc. |  Fair Value | Commercial and industrial
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Gain recognized on the change in fair value of portfolio	$ (2,114)	$ (5,133)	4,898
Franklin Financial Network, Inc. |  Fair Value | Commercial and industrial | Partially charged off
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Gain recognized on the change in fair value of portfolio			$ 6,274

Fair Value of Financial Instr_7

Fair Value of Financial Instruments - Schedule of Information about Significant Unobservable Inputs (Level 3) Used in Valuation of Assets Measured at Fair Value on Nonrecurring Basis (Details) - Non-recurring Basis $ in Thousands	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Financing receivable, collateral dependent loans, recorded investment	$ 13,041	$ 2,860
Other real estate owned	2,400	2,497
Significant unobservable inputs (level 3)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Financing receivable, collateral dependent loans, recorded investment	13,041	2,860
Other real estate owned	$ 2,400	$ 2,497
Significant unobservable inputs (level 3) | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent loans, measurement input	0.10	0.10
Other real estate owned, measurement input	0	0
Significant unobservable inputs (level 3) | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent loans, measurement input	0.61	0.35
Other real estate owned, measurement input	0.15	0.15

Fair Value of Financial Instr_8

Fair Value of Financial Instruments - Schedule of Loans Held for Sale at Fair Value (Details) - Recurring Basis - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Commercial loans held for sale	$ 46,618	$ 113,240
Total loans held for sale	67,847	139,451
Fair Value Option
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans held for sale	46,618	113,240
Other | Fair Value Option
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale	46,618	82,750
GNMA
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale	21,229	26,211
Commercial loans held for sale measured at fair value | Fair Value Option
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Commercial loans held for sale	$ 0	$ 30,490

Fair Value of Financial Instr_9

Fair Value of Financial Instruments - Schedule of Differences Between Fair Value and Principal Balance for Loans Held for Sale Measured at Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Aggregate Unpaid Principal Balance
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale measured at fair value	$ 45,509	$ 81,520
Nonaccrual commercial loans held for sale		12,231
Aggregate Unpaid Principal Balance | Commercial loans held for sale measured at fair value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale measured at fair value		22,126
Difference
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale measured at fair value	1,109	1,230
Nonaccrual commercial loans held for sale		(2,942)
Difference | Commercial loans held for sale measured at fair value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale measured at fair value		(925)
Aggregate fair value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale measured at fair value	$ 46,618	82,750
Nonaccrual commercial loans held for sale		9,289
Aggregate fair value | Commercial loans held for sale measured at fair value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale measured at fair value		$ 21,201

Fair Value of Financial Inst_10

Fair Value of Financial Instruments - Schedule of Estimated Fair Values and Carrying Values of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Financial assets:
Net loans held for investment	$ 9,258,457	$ 9,164,020
Interest receivable	52,715	45,684
Derivatives	34,738	48,769
Financial liabilities:
Derivatives	38,215	63,229
Carrying amount
Financial assets:
Cash and cash equivalents	810,932	1,027,052
Investment securities	1,471,973	1,474,176
Net loans held for investment	9,258,457	9,164,020
Loans held for sale, at fair value	46,618	113,240
Interest receivable	52,715	45,684
Mortgage servicing rights	164,249	168,365
Derivatives	34,738	48,769
Financial liabilities:
Without stated maturities	8,927,654	9,433,860
With stated maturities	1,620,633	1,421,974
Securities sold under agreements to repurchase and federal funds purchased	108,764	86,945
Bank Term Funding Program	130,000
Federal Home Loan Bank advances		175,000
Subordinated debt, net	129,645	126,101
Interest payable	18,809	8,648
Derivatives	38,215	63,229
Fair Value
Financial assets:
Cash and cash equivalents	810,932	1,027,052
Investment securities	1,471,973	1,474,176
Net loans held for investment	9,068,518	9,048,943
Loans held for sale, at fair value	46,618	113,240
Interest receivable	52,715	45,684
Mortgage servicing rights	164,249	168,365
Derivatives	34,738	48,769
Financial liabilities:
Without stated maturities	8,927,654	9,433,860
With stated maturities	1,614,400	1,422,544
Securities sold under agreements to repurchase and federal funds purchased	108,764	86,945
Bank Term Funding Program	130,000
Federal Home Loan Bank advances		175,000
Subordinated debt, net	122,671	118,817
Interest payable	18,809	8,648
Derivatives	38,215	63,229
Fair Value | Level 1
Financial assets:
Cash and cash equivalents	810,932	1,027,052
Investment securities	0	0
Net loans held for investment	0	0
Loans held for sale, at fair value	0	0
Interest receivable	388	126
Mortgage servicing rights	0	0
Derivatives	0	0
Financial liabilities:
Without stated maturities	8,927,654	9,433,860
With stated maturities	0	0
Securities sold under agreements to repurchase and federal funds purchased	108,764	86,945
Bank Term Funding Program	0
Federal Home Loan Bank advances		0
Subordinated debt, net	0	0
Interest payable	4,104	2,571
Derivatives	0	0
Fair Value | Level 2
Financial assets:
Cash and cash equivalents	0	0
Investment securities	1,471,973	1,474,176
Net loans held for investment	0	0
Loans held for sale, at fair value	46,618	82,750
Interest receivable	8,551	6,961
Mortgage servicing rights	0	0
Derivatives	34,738	48,769
Financial liabilities:
Without stated maturities	0	0
With stated maturities	1,614,400	1,422,544
Securities sold under agreements to repurchase and federal funds purchased	0	0
Bank Term Funding Program	130,000
Federal Home Loan Bank advances		175,000
Subordinated debt, net	0	0
Interest payable	13,205	4,559
Derivatives	38,215	63,229
Fair Value | Level 3
Financial assets:
Cash and cash equivalents	0	0
Investment securities	0	0
Net loans held for investment	9,068,518	9,048,943
Loans held for sale, at fair value	0	30,490
Interest receivable	43,776	38,597
Mortgage servicing rights	164,249	168,365
Derivatives	0	0
Financial liabilities:
Without stated maturities	0	0
With stated maturities	0	0
Securities sold under agreements to repurchase and federal funds purchased	0	0
Bank Term Funding Program	0
Federal Home Loan Bank advances		0
Subordinated debt, net	122,671	118,817
Interest payable	1,500	1,518
Derivatives	$ 0	$ 0

Parent Company Financial Stat_3

Parent Company Financial Statements - Schedule of Balance Sheet (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
ASSETS
Cash and cash equivalents	$ 810,932	$ 1,027,052
Other assets	203,409	227,956
Goodwill	242,561	242,561	$ 242,561
Total assets	12,604,403	12,847,756	$ 12,597,686
LIABILITIES
Borrowings	390,964	415,677
Accrued expenses and other liabilities	142,622	180,973
Total liabilities	11,149,516	11,522,238
SHAREHOLDERS' EQUITY
Common stock	46,849	46,738
Additional paid-in capital	864,258	861,588
Retained earnings	678,412	586,532
Accumulated other comprehensive loss	(134,725)	(169,433)
Total FB Financial Corporation common shareholders' equity	1,454,794	1,325,425
Total liabilities and shareholders' equity	12,604,403	12,847,756
Parent Company
ASSETS
Cash and cash equivalents	21,448	3,052
Investments in subsidiaries	1,449,439	1,337,657
Other assets	15,291	16,654
Goodwill	29	29
Total assets	1,486,207	1,357,392
LIABILITIES
Borrowings	30,930	30,930
Accrued expenses and other liabilities	483	1,037
Total liabilities	31,413	31,967
SHAREHOLDERS' EQUITY
Common stock	46,849	46,738
Additional paid-in capital	864,258	861,588
Retained earnings	678,412	586,532
Accumulated other comprehensive loss	(134,725)	(169,433)
Total FB Financial Corporation common shareholders' equity	1,454,794	1,325,425
Total liabilities and shareholders' equity	$ 1,486,207	$ 1,357,392

Parent Company Financial Stat_4

Parent Company Financial Statements - Schedule of Income Statements (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income
Dividend income from bank subsidiaries	$ 44,805	$ 12,258	$ 2,893
Net interest income	407,217	412,235	347,370
Expenses
Interest expense	271,193	69,187	37,628
Other noninterest expense	310,090	335,744	359,678
Net income applicable to FB Financial Corporation	120,224	124,555	190,285
Parent Company
Income
Dividend income from bank subsidiaries	49,000	49,000	122,500
Dividend income from nonbank subsidiaries	530	0	2,525
Loss on investments	0	0	249
Other income	57	89	15
Net interest income	49,587	49,089	125,289
Expenses
Interest expense	1,590	1,587	2,455
Salaries, legal and professional fees	1,461	1,590	1,445
Other noninterest expense	478	771	1,812
Total expenses	3,529	3,948	5,712
Income before income tax benefit and equity in undistributed earnings of subsidiaries	46,058	45,141	119,577
Federal and state income tax benefit	(887)	(1,002)	(2,992)
Income before equity in undistributed earnings of subsidiaries	46,945	46,143	122,569
Equity in undistributed earnings from bank subsidiaries	73,832	76,232	68,351
Equity in undistributed earnings from nonbank subsidiaries	(553)	2,180	(635)
Net income applicable to FB Financial Corporation	$ 120,224	$ 124,555	$ 190,285

Parent Company Financial Stat_5

Parent Company Financial Statements - Schedule of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Operating Activities
Net income	$ 120,224	$ 124,555	$ 190,285
Adjustments to reconcile net income to net cash provided by operating activities:
Stock-based compensation expense	10,381	9,857	10,282
Net cash provided by operating activities	211,072	789,713	54,895
Investing Activities
Net cash used in investing activities	(55,215)	(1,744,118)	(849,558)
Financing Activities
Payments on subordinated debt	0	0	(60,000)
Share based compensation withholding payments	(3,379)	(2,842)	(10,158)
Net proceeds from sale of common stock under employee stock purchase program	723	1,212	1,480
Repurchase of common stock	(4,944)	(39,979)	(7,595)
Dividends paid on common stock	(28,057)	(24,503)	(20,866)
Dividend equivalent payments made upon vesting of equity compensation	(226)	(168)	(717)
Net cash (used in) provided by financing activities	(371,977)	183,717	1,274,505
Net change in cash and cash equivalents	(216,120)	(770,688)	479,842
Cash and cash equivalents at beginning of the period	1,027,052	1,797,740	1,317,898
Cash and cash equivalents at end of the period	810,932	1,027,052	1,797,740
Supplemental cash flow information:
Dividends declared not paid on restricted stock units	287	222	400
Parent Company
Operating Activities
Net income	120,224	124,555	190,285
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed income of bank subsidiary	(73,832)	(76,232)	(68,351)
Equity in undistributed income of nonbank subsidiary	553	(2,180)	635
Accretion of subordinated debt fair value premium	0	0	(369)
Gain on investments	0	0	(249)
Stock-based compensation expense	10,381	9,857	10,282
Decrease (increase) in other assets	1,017	(802)	(3,916)
Decrease in other liabilities	(4,064)	(7,381)	(678)
Net cash provided by operating activities	54,279	47,817	127,639
Investing Activities
Proceeds from sale of equity securities	0	0	1,422
Net cash used in investing activities	0	0	1,422
Financing Activities
Payments on subordinated debt	0	0	(60,000)
Payments on other borrowings	0	0	(15,000)
Share based compensation withholding payments	(3,379)	(2,842)	(10,158)
Net proceeds from sale of common stock under employee stock purchase program	723	1,212	1,480
Repurchase of common stock	(4,944)	(39,979)	(7,595)
Dividends paid on common stock	(28,057)	(24,503)	(20,866)
Dividend equivalent payments made upon vesting of equity compensation	(226)	(168)	(717)
Net cash (used in) provided by financing activities	(35,883)	(66,280)	(112,856)
Net change in cash and cash equivalents	18,396	(18,463)	16,205
Cash and cash equivalents at beginning of the period	3,052	21,515	5,310
Cash and cash equivalents at end of the period	21,448	3,052	21,515
Supplemental cash flow information:
Dividends declared not paid on restricted stock units	287	222	400
Noncash security distribution to bank subsidiary	$ 0	$ 0	$ 2,646

Segment Reporting - Schedule of

Segment Reporting - Schedule of Segment Financial Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Segment Reporting Information [Line Items]
Net interest income	$ 407,217	$ 412,235	$ 347,370
Provisions for credit losses	2,539	18,982	(40,993)
Mortgage banking income	60,918	83,679	179,682
Change in fair value of mortgage servicing rights, net of hedging	(16,226)	(10,099)	(12,117)
Other noninterest income	25,851	41,087	60,690
Depreciation and amortization	11,180	8,017	8,416
Amortization of intangibles	3,659	4,585	5,473
Other noninterest expense	310,090	335,744	359,678
Income before income taxes	150,292	159,574	243,051
Income tax expense	30,052	35,003	52,750
Net income attributable to FB Financial Corporation and noncontrolling interest	120,240	124,571	190,301
Net income applicable to noncontrolling interest	16	16	16
Net income applicable to FB Financial Corporation	120,224	124,555	190,285
Total assets	12,604,403	12,847,756	12,597,686
Goodwill	242,561	242,561	242,561
Mortgage restructuring expense	0	12,458	0
Banking
Segment Reporting Information [Line Items]
Net interest income	407,217	412,237	347,342
Provisions for credit losses	2,539	18,982	(40,993)
Mortgage banking income	0	0	0
Change in fair value of mortgage servicing rights, net of hedging	0	0	0
Other noninterest income	25,831	41,320	61,073
Depreciation and amortization	10,444	7,035	7,054
Amortization of intangibles	3,659	4,585	5,473
Other noninterest expense	262,433	240,096	220,283
Income before income taxes	153,973	182,859	216,598
Total assets	12,046,190	12,228,451	11,540,560
Goodwill	242,561	242,561	242,561
Mortgage
Segment Reporting Information [Line Items]
Net interest income	0	(2)	28
Provisions for credit losses	0	0	0
Mortgage banking income	60,918	83,679	179,682
Change in fair value of mortgage servicing rights, net of hedging	(16,226)	(10,099)	(12,117)
Other noninterest income	20	(233)	(383)
Depreciation and amortization	736	982	1,362
Amortization of intangibles	0	0	0
Other noninterest expense	47,657	95,648	139,395
Income before income taxes	(3,681)	(23,285)	26,453
Total assets	558,213	619,305	1,057,126
Goodwill	$ 0	$ 0	$ 0

Segment Reporting - Narrative (

Segment Reporting - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Segment Reporting Information [Line Items]
Mortgage restructuring expense	$ 0	$ 12,458	$ 0
Mortgage
Segment Reporting Information [Line Items]
Interest paid	$ 16,170	$ 18,906	$ 23,910

Minimum Capital Requirements -

Minimum Capital Requirements - Schedule of Actual and Required Capital Amounts and Ratios (Details) $ in Thousands	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
FB Financial Corporation
Total Capital (to risk-weighted assets)
Actual, amount	$ 1,635,848	$ 1,528,344
Actual, Ratio	0.145	0.131
Minimum capital adequacy with capital buffer, amount	$ 1,182,028	$ 1,225,161
Minimum capital adequacy with capital buffer, ratio	0.105	0.105
Tier 1 Capital (to risk-weighted assets)
Actual, amount	$ 1,405,890	$ 1,315,386
Actual, ratio	0.125	0.113
Minimum capital adequacy with capital buffer, amount	$ 956,880	$ 991,797
Minimum capital adequacy with capital buffer, ratio	8.50%	8.50%
Tier 1 Capital (to average assets)
Actual, amount	$ 1,405,890	$ 1,315,386
Actual, Ratio	0.113	0.105
Minimum capital adequacy with capital buffer, amount	$ 496,485	$ 499,648
Minimum capital adequacy with capital buffer. ratio	0.040	0.040
Common Equity Tier 1 Capital (to risk-weighted assets)
Actual, amount	$ 1,375,890	$ 1,285,386
Actual ratio	12.20%	11%
Minimum capital adequacy with capital buffer, amount	$ 788,018	$ 816,774
Minimum capital adequacy with capital buffer, ratio	0.070	0.070
FirstBank
Total Capital (to risk-weighted assets)
Actual, amount	$ 1,600,950	$ 1,506,543
Actual, Ratio	0.142	0.129
Minimum capital adequacy with capital buffer, amount	$ 1,179,886	$ 1,222,922
Minimum capital adequacy with capital buffer, ratio	0.105	0.105
To be well capitalized under prompt corrective action provisions, Amount	$ 1,123,701	$ 1,164,688
To be well capitalized under prompt corrective action provisions, Ratio	0.100	0.100
Tier 1 Capital (to risk-weighted assets)
Actual, amount	$ 1,370,991	$ 1,293,585
Actual, ratio	0.122	0.111
Minimum capital adequacy with capital buffer, amount	$ 955,145	$ 989,985
Minimum capital adequacy with capital buffer, ratio	8.50%	8.50%
To be well capitalized under prompt corrective action provisions, Amount	$ 898,960	$ 931,750
To be well capitalized under prompt corrective action provisions, ratio	0.080	0.080
Tier 1 Capital (to average assets)
Actual, amount	$ 1,370,991	$ 1,293,585
Actual, Ratio	0.111	0.104
Minimum capital adequacy with capital buffer, amount	$ 495,761	$ 499,194
Minimum capital adequacy with capital buffer. ratio	0.040	0.040
To be well capitalized under prompt corrective action provisions, amount	$ 619,701	$ 623,992
To be well capitalized under prompt corrective action provisions, ratio	0.050	0.050
Common Equity Tier 1 Capital (to risk-weighted assets)
Actual, amount	$ 1,370,991	$ 1,293,585
Actual ratio	12.20%	11.10%
Minimum capital adequacy with capital buffer, amount	$ 786,590	$ 815,281
Minimum capital adequacy with capital buffer, ratio	0.070	0.070
To be well capitalized under prompt corrective action provisions, amount	$ 730,405	$ 757,047
To be well capitalized under prompt corrective action provisions, ratio	6.50%	6.50%

Employee Benefit Plans (Details

Employee Benefit Plans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Retirement Benefits [Abstract]
Discretionary contribution percentage	50%
Maximum percentage of amount to be contributed by the employer	6%
Matching and profit sharing vesting period	3 years
Contribution provided by the bank to the plan	$ 3,450	$ 3,686	$ 3,923
Post retirement benefits payable	2,152	2,424
Cash surrender value of bank owned life insurance	76,143	75,329
Cash value income	$ 1,871	$ 1,452	$ 1,542

Stock-Based Compensation - Sche

Stock-Based Compensation - Schedule of Changes in Restricted Stock Units (Details) - RSUs	12 Months Ended
	Dec. 31, 2023 $ / shares shares
Restricted Stock Units Outstanding
Balance at beginning of period (in shares) | shares	365,155,000
Granted (in shares) | shares	180,631,000
Vested (in shares) | shares	(212,251,000)
Forfeited (in shares) | shares	(10,015,000)
Balance at end of period (in shares) | shares	323,520,000
Weighted Average Grant Date Fair Value
Balance at beginning of period (in dollars per share) | $ / shares	$ 39.02
Granted (in dollars per share) | $ / shares	35.33
Vested (in dollars per share) | $ / shares	38.11
Forfeited (in dollars per share) | $ / shares	40
Balance at end of period (in dollars per share) | $ / shares	$ 37.52

Stock-Based Compensation - Narr

Stock-Based Compensation - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation cost related to nonvested awards	$ 10,381	$ 9,857	$ 10,282
Dividends declared not paid on restricted stock units	287	222	400
Proceeds from employee payroll withholdings	686	1,087	1,190
RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Fair value of restricted stock units vested and released	8,089	8,018	16,340
Compensation cost related to nonvested awards	7,438	7,372	8,907
Unrecognized compensation cost related to nonvested awards	$ 7,736
Expected weighted-average period to be recognized	1 year 11 months 8 days
Dividends declared not paid on restricted stock units	$ 353	292
RSUs | 2016-LTIP Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares available for issuable (in shares)	1,497,096
RSUs | Directors
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation cost related to nonvested awards	$ 834	663	635
PSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation cost related to nonvested awards	2,943	$ 2,485	$ 1,375
Unrecognized compensation cost related to nonvested awards	$ 10,864
Expected weighted-average period to be recognized	1 year 9 months 25 days
Criteria period	3 years
Maximum unrecognized compensation cost, payout percentage	200%
PSUs | Tranche One
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	0%
PSUs | Tranche Four
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	200%
PSUs | Tranche Three
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	100%
PSUs | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	0%
PSUs | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	200%
Employee Stock | ESPP
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares available for issuable (in shares)	200,000
Purchase price percentage of subsequent offering periods	95%
Maximum number of shares per participant (in shares)	725
Shares issued under plan (in shares)	20,520	26,950	37,310
Number of shares reserved for issuance (in shares)	2,294,226

Stock-Based Compensation - Sc_2

Stock-Based Compensation - Schedule of Changes in Performance Stock Units (Details) - PSUs	12 Months Ended
	Dec. 31, 2023 $ / shares shares
Performance Stock Units Outstanding
Balance at beginning of period (in shares) | shares	161,667
Granted (in shares) | shares	86,010
Performance adjustment (in shares) | shares	51,444
Vested (in shares) | shares	(104,833)
Forfeited or expired (in shares) | shares	(18,125)
Balance at end of period (in shares) | shares	176,163
Weighted Average Grant Date Fair Value
Balance at beginning of period (in dollars per share)	$ 41.73
Granted (in dollars per share)	37.17
Performance adjustment (in dollars per share)	36.93
Vested (in dollars per share)	36.93
Forfeited (in dollars per share)	43.58
Balance at end of period (in dollars per share)	$ 40.86
Criteria period	3 years
Minimum
Weighted Average Grant Date Fair Value
Award vesting, percentage	0%
Maximum
Weighted Average Grant Date Fair Value
Award vesting, percentage	200%
Tranche Three
Weighted Average Grant Date Fair Value
Granted (in dollars per share)	$ 37.17
Award vesting, percentage	100%

Stock-Based Compensation - Sc_3

Stock-Based Compensation - Schedule of Share-Based Payment Arrangement, Performance Shares, Activity (Details) - PSUs	12 Months Ended
	Dec. 31, 2023 $ / shares shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in dollars per share)	$ 37.17
Criteria period	3 years
Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	0%
Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	200%
Tranche One
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in dollars per share)	$ 43.20
PSUs outstanding (in shares) | shares	47,387
Award vesting, percentage	0%
Tranche Two
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in dollars per share)	$ 44.44
PSUs outstanding (in shares) | shares	50,117
Tranche Three
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in dollars per share)	$ 37.17
PSUs outstanding (in shares) | shares	78,659
Award vesting, percentage	100%
Tranche Four
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	200%

Related Party Transactions - Sc

Related Party Transactions - Schedule of Loans Analysis to Executive Officers, Certain Management, Bank Directors and Related Interests (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($)
Financing Receivable, Related Parties [Roll Forward]
Loans outstanding at January 1, 2023	$ 82,559
New loans and advances	10,047
Change in related party status	(37,897)
Repayments	(5,636)
Loans outstanding at December 31, 2023	$ 49,073

Related Party Transactions - Na

Related Party Transactions - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Related Party Transaction [Line Items]
Deposits from related parties	$ 316,141	$ 347,660
Other income	6,095	5,213	$ 19,047
Master loan purchase agreement, maximum amount	250
Amortized cost	$ 1,658,779	1,705,574
Manufactured loan housing securities
Related Party Transaction [Line Items]
Loan purchase agreement, term	5 years
Loans purchased	$ 33,164	0
Amortized cost	32,154
Purchase agreements		0
Preferred Stock
Related Party Transaction [Line Items]
Equity security without readily determinable market value	10,000	10,000
Directors
Related Party Transaction [Line Items]
Operating lease expense	385	396	497
Directors | FBK Aviation, LLC | Aviation Time Sharing Agreements
Related Party Transaction [Line Items]
Other income	28	52	$ 21
Unfunded Loan Commitment | Certain Executive Officers, Certain Management and Directors and Their Associates
Related Party Transaction [Line Items]
Unfunded commitments	$ 44,206	$ 31,564