FB Financial (FBK) 10-K 25 Feb 25 2024 FY Annual report Financial data

Cover

Cover - USD ($)	12 Months Ended
	Dec. 31, 2024	Feb. 11, 2025	Jun. 30, 2024
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2024
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			$ 1,363,325,628
Entity Common Stock, Shares Outstanding		46,678,175
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, 2024, are incorporated by reference into Part III of this Annual Report on Form 10-K.
Amendment Flag	false
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	FY
Entity Central Index Key	0001649749

Audit Information

Audit Information	12 Months Ended
	Dec. 31, 2024
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, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 120,153	$ 146,542
Federal funds sold and reverse repurchase agreements	125,825	83,324
Interest-bearing deposits in financial institutions	796,510	581,066
Cash and cash equivalents	1,042,488	810,932
Investments:
Available-for-sale debt securities, at fair value	1,538,008	1,471,973
Federal Home Loan Bank stock, at cost	32,749	34,190
Loans held for sale (includes $95,403 and $46,618 at fair value, respectively)	126,760	67,847
Loans held for investment	9,602,384	9,408,783
Less: allowance for credit losses on loans HFI	151,942	150,326
Net loans held for investment	9,450,442	9,258,457
Premises and equipment, net	148,899	155,731
Operating lease right-of-use assets	47,963	54,295
Interest receivable	49,611	52,715
Mortgage servicing rights, at fair value	162,038	164,249
Bank-owned life insurance	72,504	76,143
Other real estate owned, net	4,409	3,192
Goodwill	242,561	242,561
Core deposit and other intangibles, net	5,762	8,709
Other assets	233,288	203,409
Total assets	13,157,482	12,604,403
Deposits
Noninterest-bearing	2,116,232	2,218,382
Interest-bearing checking	2,906,425	2,504,421
Money market and savings	4,338,483	4,204,851
Customer time deposits	1,380,205	1,469,811
Brokered and internet time deposits	469,089	150,822
Total deposits	11,210,434	10,548,287
Borrowings	176,789	390,964
Operating lease liabilities	60,024	67,643
Accrued expenses and other liabilities	142,604	142,622
Total liabilities	11,589,851	11,149,516
SHAREHOLDERS’ EQUITY
Common stock, $1 par value per share; 75,000,000 shares authorized; 46,663,120 and 46,848,934 shares issued and outstanding, respectively	46,663	46,849
Additional paid-in capital	860,266	864,258
Retained earnings	762,293	678,412
Accumulated other comprehensive loss, net	(101,684)	(134,725)
Total FB Financial Corporation common shareholders’ equity	1,567,538	1,454,794
Noncontrolling interest	93	93
Total equity	1,567,631	1,454,887
Total liabilities and shareholders’ equity	$ 13,157,482	$ 12,604,403

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Fair value of loan held for sale	$ 126,760	$ 67,847
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)	46,663,120	46,848,934
Common stock, shares outstanding (in shares)	46,663,120	46,848,934
Fair Value
Fair value of loan held for sale	$ 95,403	$ 46,618

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Interest income:
Interest and fees on loans	$ 626,402	$ 599,195	$ 436,363
Interest on investment securities
Taxable	50,057	27,257	25,469
Tax-exempt	4,749	7,153	7,332
Other	44,330	44,805	12,258
Total interest income	725,538	678,410	481,422
Interest expense:
Deposits	296,345	258,819	56,642
Borrowings	12,690	12,374	12,545
Total interest expense	309,035	271,193	69,187
Net interest income	416,503	407,217	412,235
Provision for credit losses on loans HFI	14,667	16,738	10,393
(Reversal of) provision for credit losses on unfunded commitments	(2,663)	(14,199)	8,589
Net interest income after provision for credit losses	404,499	404,678	393,253
Noninterest income:
Loss from investment securities, net	(56,378)	(13,973)	(376)
Loss on sales or write-downs of premises and equipment, other real estate owned and other assets, net	(2,167)	(27)	(265)
Other income	12,091	6,095	5,213
Total noninterest income	39,070	70,543	114,667
Noninterest expenses:
Salaries, commissions and employee benefits	183,813	203,441	211,491
Occupancy and equipment expense	26,250	28,148	23,562
Data processing	9,642	9,230	9,315
Legal and professional fees	7,679	8,890	15,028
Advertising	7,007	8,267	11,208
Amortization of core deposit and other intangibles	2,947	3,659	4,585
Mortgage restructuring expense	0	0	12,458
Other expense	59,561	63,294	60,699
Total noninterest expense	296,899	324,929	348,346
Income before income taxes	146,670	150,292	159,574
Income tax expense	30,619	30,052	35,003
Net income applicable to FB Financial Corporation and noncontrolling interest	116,051	120,240	124,571
Net income applicable to noncontrolling interest	16	16	16
Net income applicable to FB Financial Corporation	$ 116,035	$ 120,224	$ 124,555
Earnings per common share:
Basic (in dollars per share)	$ 2.48	$ 2.57	$ 2.64
Diluted (in dollars per share)	$ 2.48	$ 2.57	$ 2.64
Mortgage banking income
Noninterest income:
Mortgage banking income, service charges on deposit accounts, investment services and trust income, ATM and interchange fees	$ 46,634	$ 44,692	$ 73,580
Investment services and trust income
Noninterest income:
Mortgage banking income, service charges on deposit accounts, investment services and trust income, ATM and interchange fees	14,191	11,320	8,866
Service charges on deposit accounts
Noninterest income:
Mortgage banking income, service charges on deposit accounts, investment services and trust income, ATM and interchange fees	13,234	12,154	12,049
ATM and interchange fees
Noninterest income:
Mortgage banking income, service charges on deposit accounts, investment services and trust income, ATM and interchange fees	$ 11,465	$ 10,282	$ 15,600

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Statement of Comprehensive Income [Abstract]
Net income	$ 116,051	$ 120,240	$ 124,571
Other comprehensive income (loss), net of tax:
Net unrealized (loss) gain in available-for-sale securities, net of tax (benefit) expense of $(2,744), $8,706 and $(62,316)	(8,217)	24,802	(176,798)
Reclassification adjustment for loss (gain) on sale of securities included in net income, net of tax benefit of $14,692, $3,668 and $—	41,686	10,406	(1)
Net unrealized (loss) gain in hedging activities, net of tax (benefit) expense of $(151), $(176), and $532	428	500	(1,508)
Total other comprehensive income (loss), net of tax	33,041	34,708	(175,291)
Comprehensive income (loss) applicable to FB Financial Corporation and noncontrolling interest	149,092	154,948	(50,720)
Comprehensive income applicable to noncontrolling interest	16	16	16
Comprehensive income (loss) applicable to FB Financial Corporation	$ 149,076	$ 154,932	$ (50,736)

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income (Loss) (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Statement of Comprehensive Income [Abstract]
Net tax (benefits) expenses on net change in unrealized gain (loss) on available-for-sale securities	$ (2,744)	$ 8,706	$ (62,316)
Net tax benefits on reclassification adjustment for loss on sale of securities included in net income	14,692	3,668	0
Net tax expenses (benefits) recognized on net change in unrealized gain (loss) on hedging activities	$ (151)	$ (176)	$ 532

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, 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
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income attributable to FB Financial Corporation and noncontrolling interest	116,051			116,035									116,035		16
Other comprehensive income (loss), net of taxes	33,041			33,041										33,041
Repurchase of common stock	(12,699)			(12,699)			(353)			(12,346)
Stock based compensation expense	9,485			9,485			6			9,479
Restricted stock and performance-based restricted stock units vested, net of taxes		$ (1,502)	$ (344)		$ (1,502)	$ (344)		$ 110	$ 30		$ (1,612)	$ (374)
Shares issued under employee stock purchase program	882			882			21			861
Dividends declared	(32,154)			(32,154)									(32,154)
Noncontrolling interest distribution	(16)														(16)
Ending balance at Dec. 31, 2024	$ 1,567,631			$ 1,567,538			$ 46,663			$ 860,266			$ 762,293	$ (101,684)	$ 93

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Statement of Stockholders' Equity [Abstract]
Dividends declared (in dollars per share)	$ 0.68	$ 0.60	$ 0.52

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Cash flows from operating activities:
Net income attributable to FB Financial Corporation and noncontrolling interest	$ 116,051	$ 120,240	$ 124,571
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization of fixed assets and software	11,966	11,180	8,017
Amortization of core deposit and other intangibles	2,947	3,659	4,585
Amortization of issuance costs on subordinated debt	386	387	387
Capitalization of mortgage servicing rights	(4,984)	(7,192)	(20,809)
Net change in fair value of mortgage servicing rights	7,195	11,308	(32,044)
Stock-based compensation expense	9,485	10,381	9,857
Provision for credit losses on loans HFI	14,667	16,738	10,393
(Reversal of) provision for credit losses on unfunded commitments	(2,663)	(14,199)	8,589
Provision for (reversal of) mortgage loan repurchases	235	(650)	(2,989)
(Accretion) amortization of discounts and premiums on acquired loans, net	(657)	(694)	1,020
Amortization of premiums and discounts on securities, net	2,180	6,106	6,589
Loss from investment securities, net	56,378	13,973	376
Originations of loans held for sale	(1,222,606)	(1,199,362)	(2,403,476)
Repurchases of loans held for sale	0	0	(194)
Proceeds from sale of loans held for sale	1,206,725	1,276,596	3,067,204
Gain on sale and change in fair value of loans held for sale	(33,700)	(28,541)	(47,783)
Net loss on write-downs of premises and equipment, other real estate owned and other assets	2,167	27	265
(Reversal of) provision for deferred income taxes	(1,763)	(1,415)	12,552
Earnings on bank-owned life insurance	(3,753)	(1,871)	(1,452)
Changes in:
Operating lease assets and liabilities, net	(1,287)	3,637	5,030
Other assets and interest receivable	(27,679)	6,564	(7,222)
Accrued expenses and other liabilities	7,510	(15,800)	56,247
Net cash provided by operating activities	138,800	211,072	799,713
Activity in available-for-sale securities:
Sales	526,441	100,463	1,218
Maturities, prepayments and calls	299,814	128,206	204,748
Purchases	(905,431)	(202,054)	(242,889)
Proceeds from sales of equity securities	0	3,091	0
Net change in loans	(211,941)	(97,302)	(1,675,976)
Net sales of FHLB stock	1,441	24,451
Net purchases of FHLB stock			(26,424)
Purchases of premises and equipment	(6,546)	(20,229)	(10,629)
Proceeds from the sale of premises and equipment	1,009	123	875
Proceeds from the sale of other real estate owned	2,323	6,083	4,959
Purchase of equity method securities	(10,000)	0	0
Purchase of equity securities without a readily determinable market value	0	0	(10,000)
Proceeds from the sale of other assets	1,494	1,717	0
Proceeds from bank-owned life insurance	7,392	236	0
Net cash used in investing activities	(294,004)	(55,215)	(1,754,118)
Cash flows from financing activities:
Net increase (decrease) in deposits	657,650	(312,897)	28,784
Net (decrease) increase in securities sold under agreements to repurchase and federal funds purchased	(95,265)	21,819	46,229
Repayment of Bank Term Funding Program borrowings	(130,000)	0	0
Net decrease in short-term FHLB advances	0	(45,000)
Net increase in short-term FHLB advances			175,000
Stock-based compensation withholding payments	(1,846)	(3,379)	(2,842)
Net proceeds from sale of common stock under employee stock purchase program	882	723	1,212
Repurchase of common stock	(12,699)	(4,944)	(39,979)
Dividends paid on common stock	(31,780)	(28,057)	(24,503)
Dividend equivalent payments made upon vesting of equity compensation	(166)	(226)	(168)
Noncontrolling interest distribution	(16)	(16)	(16)
Net cash provided by (used in) financing activities	386,760	(371,977)	183,717
Net change in cash and cash equivalents	231,556	(216,120)	(770,688)
Cash and cash equivalents at beginning of the period	810,932	1,027,052	1,797,740
Cash and cash equivalents at end of the period	1,042,488	810,932	1,027,052
Supplemental cash flow information:
Interest paid	303,662	261,032	63,701
Taxes paid, net	43,195	37,937	906
Supplemental noncash disclosures:
Transfers from loans to other real estate owned	3,458	2,736	1,437
Transfers from loans to other assets	4,362	2,925	0
Transfers from other real estate owned to other assets	0	75	0
Transfers from other real estate owned to premises and equipment	0	0	351
Transfers from loans to loans held for sale	1,054	13,720	46,364
Transfers from loans held for sale to loans	1,850	3,273	24,479
Loans provided for sales of other assets	1,078	911	0
Increase (decrease) in rebooked GNMA loans under optional repurchase program	10,128	(4,982)	26,211
Dividends declared not paid on restricted stock units and performance stock units	374	287	222
Right-of-use assets obtained in exchange for operating lease liabilities	$ 5,973	$ 7,300	$ 25,399

Basis of Presentation and Summa

Basis of Presentation and Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Basis of Presentation and Summary of Significant Accounting Policies	Basis of presentation and summary of significant accounting policies (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 77 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, 2024 and 2023, 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, 2024 and 2023, the Company did not own any securities classified as held-to-maturity. 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, 2024 and 2023, the Company did not own any securities classified as trading. Equity securities Equity securities with a readily determinable market value are carried at fair value on the balance sheet with any unrealized gains or losses recorded through income. Equity securities without a readily determinable fair value are carried at cost less impairment. Equity securities where the company has the ability to exercise significant influence over an investee’s operations and financial policies are accounted for under the equity method of accounting. Equity securities that qualify as equity method investments are initially recorded at cost and adjusted to reflect the Company’s proportionate share of profit or loss of the investee through income. We review equity method investments for impairment if there are events or changes in circumstances which indicate the carrying amount might not be recoverable. Equity securities, including those with and without a readily determinable market value and equity method securities are 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 the 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, or recorded investment, represents the principal amount outstanding, net of any remaining purchase accounting adjustments, including discounts or premiums, as well as any deferred loan fees and direct costs on originated loans. Interest income on loans is recognized using the simple interest method on daily principal balances outstanding, including the accretion or amortization of purchase accounting adjustments, deferred loan fees and other direct costs. 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. 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. A loan may require an individual evaluation when it is placed on nonaccrual status or no longer exhibits similar risk characteristics. These risk characteristics may include payment performance, internal or external credit scores, collateral type, effective interest rate or term among others. 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 of the underlying collateral. 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. The Company 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. 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 for 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. At December 31, 2024, the Company had an impairment charge of $2,349 on two facilities which will be decommissioned recorded in gain (loss) on sales or write-downs of premises and equipment, other real estate owned and other assets on the consolidated statements of income. There was no such impairment 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 premises and equipment, other real estate owned and other assets on the consolidated statements of income. (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, 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

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2024
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 AFS debt securities and the corresponding amounts of unrealized gains and losses recognized in accumulated other comprehensive loss, net at December 31, 2024 and 2023: December 31, 2024 Amortized cost Gross unrealized gains Gross unrealized losses Allowance for credit losses on investments Fair Value Investment Securities AFS debt securities U.S. government agency securities $ 564,752 $ 172 $ (1,917) $ — $ 563,007 Mortgage-backed securities - residential 927,883 393 (117,277) — 810,999 Mortgage-backed securities - commercial 15,965 — (1,108) — 14,857 Municipal securities 169,498 20 (21,661) — 147,857 U.S. Treasury securities 299 — — — 299 Corporate securities 1,000 — (11) — 989 Total $ 1,679,397 $ 585 $ (141,974) $ — $ 1,538,008 December 31, 2023 Amortized cost Gross unrealized gains Gross unrealized losses Allowance for credit losses on investments Fair Value Investment Securities AFS 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 The components of amortized cost for AFS debt securities on the consolidated balance sheets exclude accrued interest receivable since the Company elected to present accrued interest receivable separately on the consolidated balance sheets. As of December 31, 2024 and 2023, total accrued interest receivable on AFS debt securities was $6,401 and $7,212, respectively. AFS debt securities pledged at December 31, 2024 and 2023 had carrying amounts of $937,043 and $929,546, respectively, and were pledged to secure a Federal Reserve line of credit, public deposits and repurchase agreements. Additionally at December 31, 2023, AFS debt securities were pledged to secure Bank Term Funding Program borrowings. Within AFS debt securities, there were no aggregate holdings of any single issuer, other than U.S. Government sponsored enterprises, in an amount greater than 10% of shareholders’ equity during any period presented. AFS debt securities transactions are recorded as of the trade date. At December 31, 2024 and 2023, 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 on AFS debt securities for which an allowance for credit losses has not been recorded at December 31, 2024 and 2023, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position: December 31, 2024 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 $ 494,885 $ (1,908) $ 714 $ (9) $ 495,599 $ (1,917) Mortgage-backed securities - residential 209,078 (8,956) 441,502 (108,321) 650,580 (117,277) Mortgage-backed securities - commercial 2,222 (19) 12,635 (1,089) 14,857 (1,108) Municipal securities 34,059 (2,376) 110,173 (19,285) 144,232 (21,661) Corporate securities — — 989 (11) 989 (11) Total $ 740,244 $ (13,259) $ 566,013 $ (128,715) $ 1,306,257 $ (141,974) 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) As of December 31, 2024 and 2023, the Company’s AFS debt securities portfolio consisted of 271 and 439 individual securities, 248 and 370 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 debt securities with market values below amortized cost at December 31, 2024 were reviewed for material credit events and/or rating downgrades with individual credit reviews performed. The issuers of these AFS 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, 2024 and 2023, 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 these 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, 2024 or December 31, 2023. 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 AFS debt securities by contractual maturity as of December 31, 2024 and 2023 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, 2024 2023 Available-for-sale Available-for-sale Amortized cost Fair Value Amortized cost Fair Value Due in one year or less $ 849 $ 847 $ 64,776 $ 64,279 Due in one to five years 4,186 4,600 75,996 71,801 Due in five to ten years 225,954 222,943 51,162 49,630 Due in over ten years 504,560 483,762 391,270 372,331 735,549 712,152 583,204 558,041 Mortgage-backed securities - residential 927,883 810,999 1,057,389 896,971 Mortgage-backed securities - commercial 15,965 14,857 18,186 16,961 Total AFS debt securities $ 1,679,397 $ 1,538,008 $ 1,658,779 $ 1,471,973 Sales and other dispositions of AFS debt securities were as follows: Years Ended December 31, 2024 2023 2022 Proceeds from sales $ 526,441 $ 100,463 $ 1,218 Proceeds from maturities, prepayments and calls 299,814 128,206 204,748 Gross realized gains 90 45 4 Gross realized losses 56,468 14,119 3 Equity Securities The Company has equity securities without a readily determinable market value included in other assets on the consolidated balance sheets with carrying amounts of $23,459 and $25,191 at December 31, 2024 and 2023, respectively. Additionally, the Company had $32,749 and $34,190 of FHLB stock carried at cost at December 31, 2024 and 2023, respectively, included separately from the other equity securities discussed above. Equity method investment The Company holds equity securities of a privately held entity which originates manufactured housing loans through utilization of its proprietary developed technology. During the year ended December 31, 2024, the Company acquired additional equity securities in this privately held entity and, as a result, the Company determined it has the ability to exercise significant influence over the privately held entity. Accordingly, the Company's investment was accounted for under the equity method of accounting as of December 31, 2024. The investment was initially recorded at cost and was adjusted to reflect the Company’s proportionate share of profit or loss of the investee. This investment is included in other assets on the consolidated balance sheets with a carrying amount of $19,970 as of December 31, 2024. As a result of the investment, the Company has a basis difference of $17,103 which is being accounted for as equity method goodwill. As of December 31, 2023, this investment was accounted for as an equity investment without a readily determinable market value and included in other assets on the consolidated balance sheets with a carrying value of $10,000.

Loans and Allowance for Credit

Loans and Allowance for Credit Losses on Loans HFI	12 Months Ended
	Dec. 31, 2024
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, 2024 and 2023, by class of financing receivable are as follows: December 31, 2024 2023 Commercial and industrial $ 1,691,213 $ 1,720,733 Construction 1,087,732 1,397,313 Residential real estate: 1-to-4 family mortgage 1,616,754 1,568,552 Residential line of credit 602,475 530,912 Multi-family mortgage 653,769 603,804 Commercial real estate: Owner-occupied 1,357,568 1,232,071 Non-owner occupied 2,099,129 1,943,525 Consumer and other 493,744 411,873 Gross loans 9,602,384 9,408,783 Less: Allowance for credit losses on loans HFI (151,942) (150,326) Net loans $ 9,450,442 $ 9,258,457 As of December 31, 2024 and 2023, $988,177 and $1,030,016, respectively, of qualifying residential mortgage loans (including loans held for sale) and $1,620,510 and $1,984,007, 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, 2024 and 2023, qualifying commercial and industrial, construction and consumer loans, of $2,561,352 and $3,107,495, 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, 2024 and 2023, accrued interest receivable on loans HFI amounted to $40,970 and $43,776, 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 may be 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. Doubtful loans 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, 2024 and 2023 and the gross charge-offs for the years ended December 31, 2024 and 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. As of and for the year ended December 31, 2024 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Total Commercial and industrial Pass $ 194,185 $ 182,677 $ 130,148 $ 56,460 $ 29,735 $ 104,236 $ 909,398 $ 1,606,839 Special Mention 2,684 2,425 7,609 277 285 2,015 24,345 39,640 Classified — 175 19,125 4,424 1,659 6,201 13,150 44,734 Total 196,869 185,277 156,882 61,161 31,679 112,452 946,893 1,691,213 Current-period gross — 116 950 506 1,234 7 8,267 11,080 Construction Pass 190,058 116,122 349,716 99,225 27,616 54,099 199,596 1,036,432 Special Mention 156 87 15,432 389 10 576 — 16,650 Classified — — 7,314 290 8,335 — 18,711 34,650 Total 190,214 116,209 372,462 99,904 35,961 54,675 218,307 1,087,732 Current-period gross — — 122 — — — — 122 Residential real estate: Multi-family mortgage Pass 40,076 3,800 232,415 223,076 51,948 69,652 21,883 642,850 Special Mention — — — — — — — — Classified — — — 9,919 — 1,000 — 10,919 Total 40,076 3,800 232,415 232,995 51,948 70,652 21,883 653,769 Current-period gross — — — — — — — — Commercial real estate: Owner occupied Pass 185,416 103,060 247,049 215,798 102,580 396,288 84,226 1,334,417 Special Mention — — 1,370 2,582 — 6,133 — 10,085 Classified — — 6,324 235 61 5,371 1,075 13,066 Total 185,416 103,060 254,743 218,615 102,641 407,792 85,301 1,357,568 Current-period gross — — — — — — — — Non-owner occupied Pass 198,591 36,027 526,417 445,598 111,943 689,158 58,255 2,065,989 Special Mention — 4,836 — 1,527 — 19,311 — 25,674 Classified — — — 136 — 7,330 — 7,466 Total 198,591 40,863 526,417 447,261 111,943 715,799 58,255 2,099,129 Current-period gross — — — — — — — — Total commercial loan types Pass 808,326 441,686 1,485,745 1,040,157 323,822 1,313,433 1,273,358 6,686,527 Special Mention 2,840 7,348 24,411 4,775 295 28,035 24,345 92,049 Classified — 175 32,763 15,004 10,055 19,902 32,936 110,835 Total $ 811,166 $ 449,209 $ 1,542,919 $ 1,059,936 $ 334,172 $ 1,361,370 $ 1,330,639 $ 6,889,411 Current-period gross $ — $ 116 $ 1,072 $ 506 $ 1,234 $ 7 $ 8,267 $ 11,202 As of and for the year ended 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 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. 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 present the credit quality by classification (performing or nonperforming) of the Company’s consumer type loan portfolio as of December 31, 2024 and 2023 and the gross charge-offs for the years ended December 31, 2024 and 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. As of and for the year ended December 31, 2024 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Total Residential real estate: 1-to-4 family mortgage Performing $ 223,520 $ 165,395 $ 443,372 $ 360,188 $ 129,674 $ 266,661 $ — $ 1,588,810 Nonperforming 27 941 7,254 6,357 4,192 9,173 — 27,944 Total 223,547 166,336 450,626 366,545 133,866 275,834 — 1,616,754 Current-period gross 10 54 150 130 67 28 — 439 Residential line of credit Performing — — — — — — 600,581 600,581 Nonperforming — — — — — — 1,894 1,894 Total — — — — — — 602,475 602,475 Current-period gross — — — — — — 73 73 Consumer and other Performing 139,684 93,817 76,286 35,507 29,387 102,233 652 477,566 Nonperforming 1,300 1,749 1,686 3,139 2,548 5,755 1 16,178 Total 140,984 95,566 77,972 38,646 31,935 107,988 653 493,744 Current-period gross 1,593 511 302 278 69 298 — 3,051 Total consumer type loans Performing 363,204 259,212 519,658 395,695 159,061 368,894 601,233 2,666,957 Nonperforming 1,327 2,690 8,940 9,496 6,740 14,928 1,895 46,016 Total $ 364,531 $ 261,902 $ 528,598 $ 405,191 $ 165,801 $ 383,822 $ 603,128 $ 2,712,973 Current-period gross $ 1,603 $ 565 $ 452 $ 408 $ 136 $ 326 $ 73 $ 3,563 As of and for the year ended 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 Prior-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 Prior-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 Prior-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 Prior-period gross 1,463 582 139 205 110 396 2 2,897 Nonaccrual and Past Due Loans The following tables represent an analysis of the aging by class of financing receivable as of December 31, 2024 and 2023: December 31, 2024 30-89 days 90 days or Nonaccrual Loans current Total Commercial and industrial $ 1,204 $ 730 $ 9,661 $ 1,679,618 $ 1,691,213 Construction 3,288 538 10,915 1,072,991 1,087,732 Residential real estate: 1-to-4 family mortgage 24,376 15,319 12,625 1,564,434 1,616,754 Residential line of credit 2,302 357 1,537 598,279 602,475 Multi-family mortgage 979 — 21 652,769 653,769 Commercial real estate: Owner occupied 1,996 94 9,551 1,345,927 1,357,568 Non-owner occupied — 3,512 2,667 2,092,950 2,099,129 Consumer and other 13,710 3,797 12,381 463,856 493,744 Total $ 47,855 $ 24,347 $ 59,358 $ 9,470,824 $ 9,602,384 December 31, 2023 30-89 days 90 days or Nonaccrual Loans current on payments and accruing interest 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 The following tables provide the amortized cost basis of loans on non-accrual status, as well as any related allowance as of December 31, 2024 and 2023 by class of financing receivable. December 31, 2024 Nonaccrual Nonaccrual Related Year to date Interest Income Commercial and industrial $ 5,294 $ 4,367 $ 2,177 $ 641 Construction 1,653 9,262 1,383 456 Residential real estate: 1-to-4 family mortgage 1,562 11,063 211 57 Residential line of credit 148 1,389 26 69 Multi-family mortgage — 21 1 1 Commercial real estate: Owner occupied 6,415 3,136 137 144 Non-owner occupied 2,224 443 6 91 Consumer and other — 12,381 646 — Total $ 17,296 $ 42,062 $ 4,587 $ 1,459 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 Accrued interest receivable written off as an adjustment to interest income amounted to $706, $1,094, and $1,089 for the years ended December 31, 2024, 2023, and 2022, 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, principal forgiveness, payment deferral 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. Tables within this section exclude loans that were paid off or are otherwise no longer in the loan portfolio as of period end. The following table presents the amortized cost of FDM loans as of December 31, 2024 by class of financing receivable and type of concession granted that were modified during the year ended December 31, 2024. Year Ended Term extension Payment deferral and term extension Interest rate reduction and term extension Payment deferral, interest rate reduction, and term extension Total % of total class of financing receivables Commercial and $ — $ 5,052 $ — $ — $ 5,052 0.3 % Construction — — — 2,008 2,008 0.2 % Residential real estate: 1-to-4 family mortgage — 3,780 — — 3,780 0.2 % Residential line of 28 — — — 28 — % Consumer and other 36 — 97 — 133 — % Total $ 64 $ 8,832 $ 97 $ 2,008 $ 11,001 0.1 % 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. The following table describes the financial effect of the modifications made to borrowers experiencing financial difficultly: Year Ended Weighted average term extension Weighted average payment deferral Weighted average interest rate reduction Commercial and industrial 12 12 — Construction 360 5 0.10% Residential real estate: 1-to-4 family mortgage 147 4 — Residential line of credit 120 — — Consumer and other 25 — 1.49% During the year ended December 31, 2024, consumer and other loans of $30 defaulted that were previously modified in the prior 12 months by receiving a term extension. In addition, during the year ended December 31, 2024, 1-4 family mortgage residential real estate loans of $1,474 defaulted that were previously modified in the prior 12 months by receiving a combination of payment deferral and term extension. No financing receivables modified in the preceding twelve months had a payment default during the year ended December 31, 2023. For FDM loans, a subsequent payment default is defined as the earlier of the FDM loans being placed on non-accrual status or reaching 30 days past due with respect to principal and/or interest payments. At December 31, 2024, the Company had commitments to lend additional funds to borrowers whose loans were classified as an FDM loans of $1. There were no such commitments as of December 31, 2023. 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. The table below depicts the performance of loans HFI as of December 31, 2024 made to borrowers experiencing financial difficulty that were modified in the prior twelve months. December 31, 2024 30-89 days 90 days or Nonaccrual loans (1) Loans current Total Commercial and industrial $ — $ — $ 5,052 $ — $ 5,052 Construction — — 2,008 — 2,008 Residential real estate: 1-to-4 family mortgage — 316 — 3,464 3,780 Residential line of credit — — — 28 28 Consumer and other 14 16 — 103 133 Total $ 14 $ 332 $ 7,060 $ 3,595 $ 11,001 (1) Loans were on non-accrual when modified and subsequently classified as FDM. Collateral-Dependent Loans For collateral-dependent loans, or those loans for which repayment is expected to be provided substantially through the operation or sale of collateral, where the borrower is also experiencing financial difficulty, the following tables present the loans by class of financing receivable. December 31, 2024 Type of Collateral Real Estate Farmland Business Assets Total Commercial and industrial $ — $ — $ 8,492 $ 8,492 Construction 22,047 1,653 — 23,700 Residential real estate: 1-to-4 family mortgage 1,843 — — 1,843 Residential line of credit 148 — — 148 Multi-family mortgage 9,919 — — 9,919 Commercial real estate: Owner occupied — 6,415 — 6,415 Non-owner occupied 6,886 — — 6,886 Total $ 40,843 $ 8,068 $ 8,492 $ 57,403 December 31, 2023 Type of Collateral Real Estate Farmland Business Assets Total Commercial and industrial $ — $ 363 $ 20,599 $ 20,962 Construction 8,224 — — 8,224 Residential real estate: 1-to-4 family mortgage 5,317 — — 5,317 Residential line of credit 1,245 — — 1,245 Commercial real estate: Owner occupied 1,975 1,160 — 3,135 Non-owner occupied 3,316 — — 3,316 Consumer and other 112 — — 112 Total $ 20,189 $ 1,523 $ 20,599 $ 42,311 Allowance for Credit Losses on Loans HFI The Company performed evaluations within its established qualitative framework, assessing the impact of the current economic outlook, including unemployment and gross domestic product, as well as macroeconomic events which may impact our loan portfolio, such as supply chain concerns and global conflicts. All qualitative adjustments are applied at the pool or segment level based on the perceived risk. Segments may be identified using credit quality ratings, loan-to-value, collateral type and purpose. The increase in the allowance for credit losses on loans HFI as of December 31, 2024 compared with December 31, 2023 is primarily the result of changes to the overall loan portfolio, including both growth and changes in portfolio composition, an increase in net charge-offs and slight deterioration in economic forecasts offset by reductions in construction lending. 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, 2024, 2023, and 2022: Commercial Construction 1-to-4 Residential Multi-family Commercial Commercial Consumer Total Year Ended December 31, 2024 Beginning balance - December 31, 2023 $ 19,599 $ 35,372 $ 26,505 $ 9,468 $ 8,842 $ 10,653 $ 22,965 $ 16,922 $ 150,326 Provision for (reversal of) 7,720 (3,552) (810) 1,539 1,670 1,095 2,566 4,439 14,667 Recoveries of loans previously charged-off 428 — 84 18 — 245 — 939 1,714 Loans charged off (11,080) (122) (439) (73) — — — (3,051) (14,765) Ending balance - December 31, 2024 $ 16,667 $ 31,698 $ 25,340 $ 10,952 $ 10,512 $ 11,993 $ 25,531 $ 19,249 $ 151,942 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 - $ 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

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2024
Property, Plant and Equipment [Abstract]
Premises and Equipment	Premises and equipment Premises and equipment and related accumulated depreciation as of December 31, 2024 and 2023, are as follows: 2024 2023 Land $ 36,790 $ 35,092 Premises 107,865 112,092 Furniture, fixtures and equipment 26,978 25,734 Leasehold improvements 32,029 28,271 Construction in process 2,628 4,943 Finance lease 1,145 1,256 207,435 207,388 Less: accumulated depreciation and amortization (58,536) (51,657) Total premises and equipment $ 148,899 $ 155,731 Depreciation and amortization expense was $10,363, $9,797, and $7,554 for the years ended December 31, 2024, 2023, and 2022, respectively.

Other Real Estate Owned

Other Real Estate Owned	12 Months Ended
	Dec. 31, 2024
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, 2024, 2023, and 2022: Year Ended December 31, 2024 2023 2022 Balance at beginning of period $ 3,192 $ 5,794 $ 9,777 Transfers from loans 3,458 2,736 1,437 Transfers to other assets — (75) — Transfers to premises and equipment — — (351) Proceeds from sale of other real estate owned (2,323) (6,083) (4,955) Gain on sale of other real estate owned 82 835 328 Write-downs and partial liquidations — (15) (442) Balance at end of period $ 4,409 $ 3,192 $ 5,794 Included within the other real estate owned balance above, foreclosed residential real estate properties totaled $2,880 and $2,414 as of December 31, 2024 and 2023, respectively.

Goodwill and Intangible Assets

Goodwill and Intangible Assets	12 Months Ended
	Dec. 31, 2024
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, 2024 and 2023. 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. During the year ended December 31, 2024, the Company performed a qualitative assessment and determined it was more likely than not the fair value of the reporting units exceeded its carrying value, including goodwill. As such, no impairment of goodwill was recorded as of December 31, 2024. 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, 2024 and 2023 is as follows: Core deposit and other intangibles Gross Carrying Amount Accumulated Amortization Net Carrying Amount December 31, 2024 Core deposit intangible $ 59,835 $ (54,486) $ 5,349 Customer base trust intangible 1,600 (1,187) 413 Total core deposit and other intangibles $ 61,435 $ (55,673) $ 5,762 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 Amortization of core deposit and other intangibles totaled $2,947, $3,659, and $4,585 for the years ended December 31, 2024, 2023, and 2022, respectively. The estimated aggregate future amortization expense of core deposit and other intangibles is as follows: 2025 $ 2,306 2026 1,563 2027 1,080 2028 572 2029 211 Thereafter 30 $ 5,762

Leases

Leases	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Leases	Leases As of December 31, 2024, the Company was the lessee in 47 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, 2024 and 2023: December 31, Classification 2024 2023 Right-of-use assets: Operating leases Operating lease right-of-use assets $ 47,963 $ 54,295 Finance leases Premises and equipment, net 1,145 1,256 Total right-of-use assets $ 49,108 $ 55,551 Lease liabilities: Operating leases Operating lease liabilities $ 60,024 $ 67,643 Finance leases Borrowings 1,229 1,326 Total lease liabilities $ 61,253 $ 68,969 Weighted average remaining lease term (in years) - 11.0 11.6 Weighted average remaining lease term (in years) - 10.4 11.4 Weighted average discount rate - operating 3.47 % 3.39 % 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 2024 2023 2022 Operating lease costs: Amortization of right-of-use asset Occupancy and equipment $ 6,962 $ 8,516 $ 8,441 Short-term lease cost Occupancy and equipment 371 540 526 Variable lease cost Occupancy and equipment 1,335 1,205 1,078 Loss on lease modifications and (1) — 1,770 346 Finance lease costs: Interest on lease liabilities Interest expense on borrowings 22 24 28 Amortization of right-of-use asset Occupancy and equipment 111 111 120 Sublease income Occupancy and equipment (522) (957) (993) Total lease cost $ 8,279 $ 11,209 $ 9,546 (1) For the year ended December 31, 2023, amount is included in "Occupancy and equipment" related to the closure of two branch locations. For the year ended December 31, 2022, $364 was related to loss on lease modifications and terminations from vacating two locations included in "Mortgage restructuring expense" and $18 of gains on early lease terminations and modifications from other vacated locations included in "Occupancy and equipment". 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 cash flows to lease liabilities as of December 31, 2024 is as follows: Operating Finance Leases Lease Lease payments due: December 31, 2025 $ 8,562 $ 121 December 31, 2026 8,309 123 December 31, 2027 7,849 125 December 31, 2028 6,957 127 December 31, 2029 5,897 129 Thereafter 35,828 721 Total undiscounted future minimum lease payments 73,402 1,346 Less: imputed interest (13,378) (117) Lease liabilities $ 60,024 $ 1,229
Leases	Leases As of December 31, 2024, the Company was the lessee in 47 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, 2024 and 2023: December 31, Classification 2024 2023 Right-of-use assets: Operating leases Operating lease right-of-use assets $ 47,963 $ 54,295 Finance leases Premises and equipment, net 1,145 1,256 Total right-of-use assets $ 49,108 $ 55,551 Lease liabilities: Operating leases Operating lease liabilities $ 60,024 $ 67,643 Finance leases Borrowings 1,229 1,326 Total lease liabilities $ 61,253 $ 68,969 Weighted average remaining lease term (in years) - 11.0 11.6 Weighted average remaining lease term (in years) - 10.4 11.4 Weighted average discount rate - operating 3.47 % 3.39 % 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 2024 2023 2022 Operating lease costs: Amortization of right-of-use asset Occupancy and equipment $ 6,962 $ 8,516 $ 8,441 Short-term lease cost Occupancy and equipment 371 540 526 Variable lease cost Occupancy and equipment 1,335 1,205 1,078 Loss on lease modifications and (1) — 1,770 346 Finance lease costs: Interest on lease liabilities Interest expense on borrowings 22 24 28 Amortization of right-of-use asset Occupancy and equipment 111 111 120 Sublease income Occupancy and equipment (522) (957) (993) Total lease cost $ 8,279 $ 11,209 $ 9,546 (1) For the year ended December 31, 2023, amount is included in "Occupancy and equipment" related to the closure of two branch locations. For the year ended December 31, 2022, $364 was related to loss on lease modifications and terminations from vacating two locations included in "Mortgage restructuring expense" and $18 of gains on early lease terminations and modifications from other vacated locations included in "Occupancy and equipment". 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 cash flows to lease liabilities as of December 31, 2024 is as follows: Operating Finance Leases Lease Lease payments due: December 31, 2025 $ 8,562 $ 121 December 31, 2026 8,309 123 December 31, 2027 7,849 125 December 31, 2028 6,957 127 December 31, 2029 5,897 129 Thereafter 35,828 721 Total undiscounted future minimum lease payments 73,402 1,346 Less: imputed interest (13,378) (117) Lease liabilities $ 60,024 $ 1,229

Mortgage Servicing Rights

Mortgage Servicing Rights	12 Months Ended
	Dec. 31, 2024
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, 2024, 2023, and 2022: Years Ended December 31, 2024 2023 2022 Carrying value at beginning of period $ 164,249 $ 168,365 $ 115,512 Capitalization 4,984 7,192 20,809 Change in fair value: Due to payoffs/paydowns (13,693) (12,327) (16,012) Due to change in valuation inputs or assumptions 6,498 1,019 48,056 Carrying value at end of period $ 162,038 $ 164,249 $ 168,365 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, 2024, 2023, and 2022: Years Ended December 31, 2024 2023 2022 Servicing income $ 29,212 $ 30,263 $ 30,763 Change in fair value of mortgage servicing rights (7,195) (11,308) 32,044 Change in fair value of derivative hedging instruments (9,083) (4,918) (42,143) Servicing income 12,934 14,037 20,664 Servicing expenses 7,642 8,093 10,259 Net servicing income $ 5,292 $ 5,944 $ 10,405 Data and key economic assumptions, as well as the valuation's sensitivity to interest rate fluctuations, related to the Company’s mortgage servicing rights as of December 31, 2024 and 2023 are as follows: December 31, 2024 2023 Unpaid principal balance of mortgage loans sold and serviced for others $ 10,235,048 $ 10,762,906 Weighted-average prepayment speed (CPR) 6.04 % 6.19 % Estimated impact on fair value of a 10% increase $ (4,213) $ (4,616) Estimated impact on fair value of a 20% increase $ (8,168) $ (8,924) Discount rate 10.18 % 9.62 % Estimated impact on fair value of a 100 bp increase $ (7,515) $ (7,637) Estimated impact on fair value of a 200 bp increase $ (14,397) $ (14,624) Weighted-average coupon interest rate 3.59 % 3.47 % Weighted-average servicing fee (basis points) 27 27 Weighted-average remaining maturity (in months) 336 334 The sensitivity calculations above are hypothetical changes and should not be considered to be predictive of future performance. Changes in fair value based on adverse changes in assumptions generally cannot be extrapolated because the relationship of the change in assumption to the change in fair value may not be linear. Also, the effect of an adverse variation in a particular assumption on the fair value of the mortgage servicing rights calculated without changing any other assumption, while in reality changes in one factor may result in changes in another, which may either magnify or counteract the effect of the change. The derivative instruments utilized by the Company, which were not included in the above sensitivities, would serve to offset the estimated impacts to fair value included in the table above. See Note 15, “Derivatives” for additional information on these derivative instruments. As of December 31, 2024 and 2023, the Company held mortgage escrow deposits totaling $68,995 and $63,591, respectively, related to loans sold with servicing retained.

Other Assets and Other Liabilit

Other Assets and Other Liabilities	12 Months Ended
	Dec. 31, 2024
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 2024 2023 Derivatives (See Note 15) 29,951 34,738 Equity securities without a readily determinable market value 23,459 25,191 Current income tax receivable 22,076 5,930 Deferred tax asset (See Note 12) 21,597 31,631 Mortgage lending receivable 20,971 16,344 Pledged collateral on derivative instruments 20,961 14,042 Equity method investment (See Note 2) 19,970 — FHLB lender risk account receivable 19,926 20,258 Prepaid expenses 16,018 13,594 Software 1,388 525 Other assets 36,971 41,156 Total other assets $ 233,288 $ 203,409 Included in other liabilities are: As of December 31, Other liabilities 2024 2023 Derivatives (See Note 15) 32,383 38,215 Accrued payroll 26,901 18,406 Accrued interest payable 24,182 18,809 FHLB lender risk account guaranty 9,738 9,746 Allowance for credit losses on unfunded commitments (See Note 14) 6,107 8,770 Deferred compensation 2,328 2,152 Mortgage buyback reserve (See Note 14) 697 899 Other liabilities 40,268 45,625 Total other liabilities $ 142,604 $ 142,622

Deposits

Deposits	12 Months Ended
	Dec. 31, 2024
Deposits [Abstract]
Deposits	Deposits As of December 31, 2024 and 2023, the aggregate amount of time deposits with a minimum denomination greater than $250 was $450,011 and $644,588, respectively. At December 31, 2024, the scheduled maturities of time deposits are as follows: Scheduled maturities of time deposits Due on or before: December 31, 2025 $ 1,543,869 December 31, 2026 253,563 December 31, 2027 41,021 December 31, 2028 6,119 December 31, 2029 4,715 Thereafter 7 Total $ 1,849,294 As of December 31, 2024 and 2023, the Company had $2,949 and $3,475, 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, 2024
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, 2024 and 2023: Outstanding Balance Weighted Average Interest Rate December 31, December 31, 2024 2023 2024 2023 Securities sold under agreements to repurchase $ 13,499 $ 108,764 0.20 % 5.05 % Bank Term Funding Program — 130,000 — % 4.85 % Subordinated debt, net 130,704 129,645 5.28 % 5.52 % Other borrowings 32,586 22,555 0.07 % 0.10 % Total $ 176,789 $ 390,964 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 $13,499 and $19,328 as of December 31, 2024 and 2023, respectively. The weighted average interest rate of the Company's securities sold under agreements to repurchase was 0.20% and 1.60% as of December 31, 2024 and 2023, 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, 2024 and 2023, the aggregate total borrowing capacity under these lines amounted to $370,000. As of December 31, 2023, borrowings against these lines (i.e., federal funds purchased) totaled $89,436 with a weighted average rate of 5.79%. There were no such borrowings outstanding as of December 31, 2024. Information concerning securities sold under agreement to repurchase and federal funds purchased is summarized as follows: December 31, 2024 December 31, 2023 Balance at year end $ 13,499 $ 108,764 Average daily balance during the year 21,339 29,860 Average interest rate during the year 1.72 % 2.24 % Maximum month-end balance during the year $ 78,228 $ 116,220 Weighted average interest rate at year-end 0.20 % 5.05 % 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, 2024 and 2023 had total borrowing capacity of $1,397,905 and $1,757,702, respectively. As of December 31, 2024 and 2023, the Company had qualifying loans pledged as collateral securing these lines amounting to $2,608,687 and $3,014,023, respectively. There were no FHLB advances outstanding as of December 31, 2024 or December 31, 2023. Information concerning FHLB advances as of or for the years ended December 31, 2024 and 2023 is summarized within the table below. December 31, 2024 December 31, 2023 Balance at year end $ — $ — Average daily balance during the year — 28,973 Average interest rate during the year — % 5.13 % Maximum month-end balance during the year $ — $ 125,000 Weighted average interest rate at year-end — % — % 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. The BTFP ceased extending new borrowings on March 11, 2024. 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. During the year ended December 31, 2024, we repaid the $130,000 borrowings in full. There were no such borrowings outstanding as of December 31, 2024. Information concerning the BTFP as of or for the years ended December 31, 2024 and 2023 is summarized within the table below. December 31, 2024 December 31, 2023 Balance at year end $ — $ 130,000 Average daily balance during the year 95,902 1,781 Average interest rate during the year 4.86 % 4.85 % Maximum month-end balance during the year $ 130,000 $ 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. The Company mitigated interest rate exposure associated with these notes through the use of fair value hedging instruments. The fair value hedge matured during the year ended December 31, 2024. See Note 15, "Derivatives" for additional details related to these instruments. Further information related to the Company's subordinated debt as of December 31, 2024 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 7.84% 3-month SOFR plus 3.51% FBK Trust II (1) 2003 06/26/2033 6/26/2008 21,650 7.74% 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 (226) Total Subordinated Debt, net $ 130,704 (1) The Company classifies $30,000 of the trusts' subordinated debt as Tier 1 capital. (2) The Company classifies the issuance, net of unamortized issuance costs 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, 2024 and 2023, other borrowings included a finance lease liability amounting to $1,229 and $1,326, respectively. Additionally, as of December 31, 2024 and 2023, the Company had $31,357 and $21,229, respectively, of government guaranteed GNMA loans that meet certain defined delinquency rates 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, 2024
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, 2024 2023 2022 Current $ 32,382 $ 31,467 $ 22,451 Deferred (1,763) (1,415) 12,552 Total $ 30,619 $ 30,052 $ 35,003 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, 2024, 2023, and 2022: Years Ended December 31, 2024 2023 2022 Federal taxes calculated at statutory rate $ 30,801 21.0 % $ 31,561 21.0 % $ 33,510 21.0 % (Decrease) increase resulting from: State taxes, net of federal benefit (404) (0.3) % (158) (0.1) % 3,845 2.4 % Expense (benefit) from equity based compensation 56 0.0 % 219 0.1 % (392) (0.2) % Municipal interest income, net of interest disallowance (1,325) (0.9) % (1,804) (1.2) % (1,774) (1.1) % Bank-owned life insurance (788) (0.5) % (393) (0.3) % (305) (0.2) % Section 162(m) limitation 284 0.2 % 244 0.2 % 241 0.1 % Nondeductible expenses 2,029 1.4 % 384 0.3 % 326 0.2 % Other (34) — % (1) — % (448) (0.3) % Income tax expense, as reported $ 30,619 20.9 % $ 30,052 20.0 % $ 35,003 21.9 % 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, 2024 and 2023, are as follows: December 31, 2024 2023 Deferred tax assets: Allowance for credit losses $ 39,155 $ 39,228 Operating lease liabilities 21,864 24,607 Net operating loss 523 805 Amortization of core deposit intangibles 1,482 1,135 Deferred compensation 10,372 7,433 Unrealized loss on debt securities 36,766 48,714 Other assets 5,616 4,863 Subtotal 115,778 126,785 Deferred tax liabilities: FHLB stock dividends $ (252) $ (263) Operating leases - right of use assets (19,252) (21,312) Depreciation (8,117) (5,996) Unrealized gain on equity securities (948) (2,122) Unrealized gain on cash flow hedges — (151) Mortgage servicing rights (42,221) (42,797) Goodwill (20,121) (17,995) Other liabilities (3,270) (4,518) Subtotal (94,181) (95,154) Net deferred tax assets $ 21,597 $ 31,631 The Company had a net operating loss carryforward generated as a result of a previous merger amounting to $2,491 and $3,835 as of December 31, 2024 and 2023, respectively. The net operating loss carryforward can be used to offset taxable income in future periods and reduce income tax liabilities in those future periods. While net operating losses are subject to certain annual utilization limits under Section 382, the Company believes the net operating loss carryforwards will be realized based on the projected annual limitation and the length of the net operating loss carryover period. The Company's determination of the realization of the net deferred tax asset is based on its assessment of all available positive and negative evidence. The net operating loss carryforward will begin to expire in 2029.

Dividend Restrictions

Dividend Restrictions	12 Months Ended
	Dec. 31, 2024
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, $185,927 and $218,415 was available for payment of dividends without such prior approval as of December 31, 2024 and 2023, 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.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2024
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and contingencies Commitments to extend credit and letters of credit The Company issues certain financial instruments to meet customer financing needs, including loan commitments, credit lines and letters of credit. The agreements associated with these type of unfunded loan commitments 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, 2024 2023 Commitments to extend credit, excluding interest rate lock commitments $ 2,770,105 $ 2,906,016 Letters of credit 69,855 77,055 Balance at end of period $ 2,839,960 $ 2,983,071 As of December 31, 2024 and 2023, unfunded loan commitments included above with floating interest rates totaled $2,573,218 and $2,459,669, respectively. As part of the 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, 2024 2023 2022 Balance at beginning of period $ 8,770 $ 22,969 $ 14,380 (Reversal of) provision for credit losses on unfunded commitments (2,663) (14,199) 8,589 Balance at end of period $ 6,107 $ 8,770 $ 22,969 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, investors require the Company to repurchase loans sold to them or otherwise indemnify the investor against certain losses under the terms of the warranties. When the Company is required to repurchase the loans, the loans are recorded at fair value in loans HFI. The total principal amount of loans repurchased (or indemnified for) was $6,181, $8,552 and $7,834 for the years ended December 31, 2024, 2023, and 2022, respectively. The Company maintains a reserve associated with potential losses on loans previously sold included in accrued expenses and other liabilities on the Company's consolidated balance sheets. The following table summarizes this activity: Years Ended December 31, 2024 2023 2022 Balance at beginning of period $ 899 $ 1,621 $ 4,802 Provision for (reversal of) loan repurchases or indemnifications 235 (650) (2,989) Losses on loans repurchased or indemnified (437) (72) (192) Balance at end of period $ 697 $ 899 $ 1,621 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, 2024
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 sheet line items other assets or other liabilities at fair value in accordance with ASC 815, “Derivatives and Hedging.” See Note 1, “Basis of presentation and summary of significant accounting policies,” 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. At December 31, 2023, the Company had interest rate swaps designated as fair value hedges to convert fixed rate money market deposits to variable with notional values totaling $200,000 and market values totaling $(4,497) recorded in other liabilities on the consolidated balance sheets. Additionally at December 31, 2023, the Company had an interest rate swap designated as a fair value hedge on subordinated debt with a notional value of $100,000 and market value of $(673) recorded in other liabilities on the consolidated balance sheets. At December 31, 2024, the Company did not have any interest rate swaps that were designated as fair value hedges. During the year ended December 31, 2024, the Company terminated interest rate swaps that were designated as fair value hedges on fixed rate money market deposits with notional values of $200,000. Additionally, during the year ended December 31, 2024 the Company held a swap agreement designated as a fair value hedge covering subordinated debt with notional value of $100,000 that matured. The following discloses the total amount of expense included in interest expense on deposits and borrowings, related to the Company's fair value hedging instruments: Years Ended December 31, 2024 2023 2022 Designated fair value hedge: Interest expense on deposits $ (4,588) $ (7,176) $ (717) Interest expense on borrowings (645) (3,630) (395) Total $ (5,233) $ (10,806) $ (1,112) During the year ended December 31, 2024, amortization expense totaling $4,588 related to the terminated fair value hedges was recognized as an increase to interest expense on deposits. As of December 31, 2024, there is no remaining fair value adjustment related to the terminated fair value hedges included in money market and savings deposits on the consolidated balance sheets. The following amounts were recorded on the balance sheet related to cumulative adjustments of fair value hedges as of December 31, 2023: December 31, 2023 Line item on the balance sheet Carrying amount of the hedged item Cumulative decrease in fair value hedging adjustment included in the carrying amount of the hedged item Money market and savings deposits $ 198,143 (1) $ (4,497) Borrowings 98,715 (2) (673) Total $ 296,858 $ (5,170) (1) The carrying value also includes an unaccreted purchase accounting fair value premium of $2,640 as of December 31, 2023. (2) The carrying value also includes unamortized subordinated debt issuance costs of $612 as of December 31, 2023. 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. At December 31, 2023, the Company had interest rate swaps designated as cash flow hedges on subordinated debt with notional values totaling $30,000 and market values totaling $579 recorded in other assets on the consolidated balance sheets. At December 31, 2024, the Company did not have any interest rate swaps that were designated as cash flow hedges. During the year ended December 31, 2024, the interest rate swaps that were designated as cash flow hedges covering subordinated debt with notional amounts of $30,000 matured. The Company’s consolidated statements of income included income of $517 and $985 for the years ended December 31, 2024 and 2023, respectively, and expense of $93 for the year ended December 31, 2022, 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 income (loss), net of tax, for derivative instruments designated as cash flow hedges for the periods presented: Years Ended December 31, 2024 2023 2022 Amount of (loss) gain recognized in other comprehensive income (loss), net of tax (benefit) expense of $(151), $(176) and $532 $ (428) $ (500) $ 1,508 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 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, 2024 Notional Amount Asset Liability Interest rate contracts $ 565,152 $ 29,298 $ 29,377 Forward commitments 140,000 6 — Interest rate-lock commitments 65,687 647 — Futures contracts 217,000 — 3,006 Total $ 987,839 $ 29,951 $ 32,383 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 (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, 2024 2023 2022 Included in mortgage banking income: Interest rate lock commitments $ (556) $ (230) $ (5,764) Forward commitments (546) 953 55,804 Futures contracts (7,670) (3,366) (36,381) Option contracts — (1,125) 36 Total $ (8,772) $ (3,768) $ 13,695 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, 2024 Derivative financial assets $ 28,379 $ — $ 28,379 $ 1,030 $ — $ 27,349 Derivative financial liabilities $ 9,144 $ — $ 9,144 $ 1,030 $ 8,114 $ — 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 $ — 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, 2024 and 2023, the Company had collateral posted of $20,961 and $14,042, 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, 2024
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. 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. 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 properties 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. OREO 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, 2024 and 2023 are presented in the following tables: At December 31, 2024 Quoted prices Significant Significant unobservable Total Recurring valuations: Financial assets: AFS debt securities: U.S. government agency securities $ — $ 563,007 $ — $ 563,007 Mortgage-backed securities - residential — 810,999 — 810,999 Mortgage-backed securities - commercial — 14,857 — 14,857 Municipal securities — 147,857 — 147,857 U.S. Treasury securities — 299 — 299 Corporate securities — 989 — 989 Total securities $ — $ 1,538,008 $ — $ 1,538,008 Loans held for sale, at fair value $ — $ 95,403 $ — $ 95,403 Mortgage servicing rights — — 162,038 162,038 Derivatives — 29,951 — 29,951 Financial Liabilities: Derivatives — 32,383 — 32,383 At December 31, 2023 Quoted prices Significant Significant unobservable Total Recurring valuations: Financial assets: AFS debt 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 The balances and levels of the assets measured at fair value on a nonrecurring basis as of December 31, 2024 and 2023 are presented in the following tables: At December 31, 2024 Quoted prices Significant Significant unobservable Total Nonrecurring valuations: Financial assets: Other real estate owned $ — $ — $ 2,873 $ 2,873 Collateral-dependent net loans held for Commercial and industrial — — 694 694 Construction — — 20,818 20,818 Multifamily — — 9,000 9,000 Total collateral-dependent loans $ — $ — $ 30,512 $ 30,512 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 Historically, the Company had a portfolio of acquired commercial loans. There were no such loans outstanding as of December 31, 2024 as the last relationship was exited during the year ended December 31, 2023. These commercial loans were measured at fair value. As such, these loans were excluded from the ACL. The following table sets forth the changes in fair value associated with this portfolio for the years ended December 31, 2023 and 2022. 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 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, 2024, 2023, and 2022 are detailed at Note 8, “Mortgage servicing rights.” The following tables present information as of December 31, 2024 and 2023 about significant unobservable inputs (Level 3) used in the valuation of assets measured at fair value on a nonrecurring basis: December 31, 2024 Financial instrument Fair Value Valuation technique Significant Range of Collateral-dependent net loans $ 30,512 Valuation of collateral Discount for comparable sales 10%-40% Other real estate owned $ 2,873 Appraised value of property less costs to sell Discount for costs to sell 0%-10% 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% Fair value for collateral-dependent loans is determined based on the estimated value of the collateral securing the loans, less estimated selling costs and closing costs related to liquidation of the collateral. For loans secured by real estate, the fair value is determined based on appraisals performed by qualified appraisers and reviewed by qualified personnel. For non-real estate collateral, fair value is determined based on various sources, including third party asset valuation and internally determined values based on cost adjusted or other judgmentally determined factors. 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, 2024 and 2023, total amortized cost of collateral-dependent loans measured on a nonrecurring basis amounted to $34,712 and $18,166, 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, 2024 2023 Loans held for sale under a fair value option: Mortgage loans held for sale 95,403 46,618 Loans held for sale not accounted for under a fair value option: Mortgage loans held for sale - guaranteed GNMA repurchase option 31,357 21,229 Total loans held for sale $ 126,760 $ 67,847 Mortgage loans held for sale Net gain of $376 and net losses $121 and $13,677 resulting from fair value changes of mortgage loans were recorded in income during the years ended December 31, 2024, 2023, and 2022, 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 held for sale. The net change in fair value of these loans held for sale and derivatives resulted in a net gain of $1,241 and net losses of $1,815 and $17,633 for the years ended December 31, 2024, 2023, and 2022, respectively. The change in fair value of both mortgage 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 mortgage loans held for sale measured at fair value as of December 31, 2024 and 2023: December 31, 2024 2023 Aggregate fair value $ 95,403 $ 46,618 Aggregate unpaid principal balance 93,918 45,509 Difference $ 1,485 $ 1,109 The following table contains the estimated fair values and the related carrying values of the Company’s financial instruments. Non-financial instruments are excluded from the table below. Fair Value December 31, 2024 Carrying amount Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 1,042,488 $ 1,042,488 $ — $ — $ 1,042,488 Investment securities 1,538,008 — 1,538,008 — 1,538,008 Net loans held for investment 9,450,442 — — 9,221,311 9,221,311 Loans held for sale, at fair value 95,403 — 95,403 — 95,403 Interest receivable 49,611 629 8,012 40,970 49,611 Mortgage servicing rights 162,038 — — 162,038 162,038 Derivatives 29,951 — 29,951 — 29,951 Financial liabilities: Deposits: Without stated maturities $ 9,361,140 $ 9,361,140 $ — $ — $ 9,361,140 With stated maturities 1,849,294 — 1,846,989 — 1,846,989 Securities sold under agreements to repurchase and federal funds purchased 13,499 13,499 — — 13,499 Subordinated debt, net 130,704 — — 126,684 126,684 Interest payable 24,182 3,759 18,923 1,500 24,182 Derivatives 32,383 — 32,383 — 32,383 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

Parent Company Financial Statem

Parent Company Financial Statements	12 Months Ended
	Dec. 31, 2024
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, 2024 and 2023 and for each of the years in the three-year period ended December 31, 2024. As of December 31, Balance sheets 2024 2023 Assets Cash and cash equivalents (1) $ 32,857 $ 21,448 Investment in subsidiaries (1) 1,527,292 1,449,439 Other assets 38,918 15,291 Goodwill 29 29 Total assets $ 1,599,096 $ 1,486,207 Liabilities and shareholders' equity Liabilities Borrowings $ 30,930 $ 30,930 Accrued expenses and other liabilities 628 483 Total liabilities 31,558 31,413 Shareholders' equity Common stock 46,663 46,849 Additional paid-in capital 860,266 864,258 Retained earnings 762,293 678,412 Accumulated other comprehensive loss (101,684) (134,725) Total shareholders' equity 1,567,538 1,454,794 Total liabilities and shareholders' equity $ 1,599,096 $ 1,486,207 (1) Eliminates in consolidation Years Ended December 31, Statements of income 2024 2023 2022 Income Dividend income from bank subsidiary (1) $ 83,200 $ 49,000 $ 49,000 Dividend income from nonbank subsidiary (1) — 530 — Other income 7 57 89 Total income 83,207 49,587 49,089 Expenses Interest expense 2,107 1,590 1,587 Salaries, legal and professional fees 1,549 1,461 1,590 Other noninterest expense 426 478 771 Total expenses 4,082 3,529 3,948 Income before income tax benefit and equity in undistributed 79,125 46,058 45,141 Federal and state income tax benefit (1,047) (887) (1,002) Income before equity in undistributed earnings of subsidiaries 80,172 46,945 46,143 Equity in undistributed earnings from bank subsidiary (1) 35,863 73,832 76,232 Equity in undistributed earnings from nonbank subsidiary (1) — (553) 2,180 Net income $ 116,035 $ 120,224 $ 124,555 (1) Eliminates in consolidation Years Ended December 31, Statements of cash flows 2024 2023 2022 Operating Activities Net income $ 116,035 $ 120,224 $ 124,555 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed income of bank subsidiary (35,863) (73,832) (76,232) Equity in undistributed income of nonbank subsidiary — 553 (2,180) Stock-based compensation expense 9,485 10,381 9,857 (Increase) decrease in other assets (24,055) 1,017 (802) Decrease in other liabilities (8,584) (4,064) (7,381) Net cash provided by operating activities 57,018 54,279 47,817 Investing Activities Net cash provided by investing activities — — — Financing Activities Stock-based compensation withholding payments (1,846) (3,379) (2,842) Net proceeds from sale of common stock under employee stock purchase 882 723 1,212 Repurchase of common stock (12,699) (4,944) (39,979) Dividends paid on common stock (31,780) (28,057) (24,503) Dividend equivalent payments made upon vesting of equity compensation (166) (226) (168) Net cash used in financing activities (45,609) (35,883) (66,280) Net increase (decrease) in cash and cash equivalents 11,409 18,396 (18,463) Cash and cash equivalents at beginning of year 21,448 3,052 21,515 Cash and cash equivalents at end of year $ 32,857 $ 21,448 $ 3,052 Supplemental noncash disclosures: Dividends declared not paid on restricted stock units and performance stock $ 374 $ 287 $ 222 Noncash dividends from bank subsidiary 21,700 — —

Segment Reporting

Segment Reporting	12 Months Ended
	Dec. 31, 2024
Segment Reporting [Abstract]
Segment Reporting	Segment reporting The Company and the Bank are engaged in the business of banking and provide a full range of financial services. The Company determines reportable segments based on the significance of the segment’s operating results to the overall Company, the products and services offered, customer characteristics, processes and service delivery of the segments and the regular financial performance review and allocation of resources by the Chief Executive Officer, the Company’s chief operating decision maker. The Company has identified two distinct reportable segments—Banking and Mortgage. The Company’s primary segment is Banking, which provides a full range of deposit and lending products and services to corporate, commercial and consumer customers. The Company also originates conforming residential mortgage loans through its Mortgage segment, whose activities include the servicing of residential mortgage loans and securitization of loans to third party private investors or government sponsored agencies. The chief operating decision maker uses income before income taxes as the measure of segment profit or loss to assess the performance of and allocate resources to each segment. Interest income provides the primary revenue in the Banking segment, and mortgage banking income provides the primary revenue in the Mortgage segment. Interest expense, provision for credit losses, and salaries, commissions and employee benefits provide the significant expenses in the Banking segment, and salaries, commissions and employee benefits provide the significant expenses in the Mortgage segment. These figures are regularly provided to the chief operating decision maker and are monitored through budget-to-actual variance review. Beginning in 2024, the Company began assigning a transfer rate to allocate net interest income to products and business segments. Through this process, the Company formulates a loan funding charge and a deposit funding credit for its entire loan and deposit portfolios. The intent of the transfer rate methodology is to transfer interest rate risk among the segments and allow management to better measure the net interest margin contribution of its products and business segments. Changes in management structure or allocation methodologies and procedures result in changes in reported segment financial data. Prior period results have been adjusted to conform to the current methodology. The following tables present selected financial information with respect to the Company’s reportable segments for the years ended December 31, 2024, 2023, and 2022. Year Ended December 31, 2024 Banking (2) Mortgage Consolidated Interest income $ 726,033 $ (495) $ 725,538 Interest expense 315,250 (6,215) 309,035 Net interest income 410,783 5,720 416,503 Provisions for (reversals of) credit losses 12,264 (260) 12,004 Net interest income after provision for credit losses 398,519 5,980 404,499 Mortgage banking income — 62,912 62,912 Change in fair value of mortgage servicing rights, net of hedging (1) — (16,278) (16,278) Other noninterest (loss) income (8,376) 812 (7,564) Total noninterest (loss) income (8,376) 47,446 39,070 Salaries, commissions and employee benefits 154,411 29,402 183,813 Depreciation and amortization 11,541 425 11,966 Amortization of intangibles 2,947 — 2,947 Other noninterest expense (3) 78,172 20,001 98,173 Total noninterest expense 247,071 49,828 296,899 Income before income taxes $ 143,072 $ 3,598 $ 146,670 Income tax expense 30,619 Net income applicable to FB Financial Corporation and noncontrolling interest 116,051 Net income applicable to noncontrolling interest (2) 16 Net income applicable to FB Financial Corporation $ 116,035 Total assets $ 12,554,435 $ 603,047 $ 13,157,482 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. (3) Other noninterest expense for Banking includes expenses for occupancy and equipment expense, data processing, advertising, legal and professional fees and other expenses. Other noninterest expense for Mortgage includes expenses for occupancy and equipment expense, data processing, advertising, legal and professional fees, servicing expenses and other expenses. Year Ended December 31, 2023 Banking (2) Mortgage Consolidated Interest income $ 678,591 $ (181) $ 678,410 Interest expense 277,342 (6,149) 271,193 Net interest income 401,249 5,968 407,217 Provisions for (reversals of) credit losses 2,599 (60) 2,539 Net interest income after provision for credit losses 398,650 6,028 404,678 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 Total noninterest income 25,831 44,712 70,543 Salaries, commissions and employee benefits 170,625 32,816 203,441 Depreciation and amortization 10,444 736 11,180 Amortization of intangibles 3,659 — 3,659 Other noninterest expense (3) 85,407 21,242 106,649 Total noninterest expense 270,135 54,794 324,929 Income (loss) before income taxes $ 154,346 $ (4,054) $ 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 $ 12,050,245 $ 554,158 $ 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. (3) Other noninterest expense for Banking includes expenses for occupancy and equipment expense, data processing, advertising, legal and professional fees and other expenses. Other noninterest expense for Mortgage includes expenses for occupancy and equipment expense, data processing, advertising, legal and professional fees, servicing expenses and other expenses. Year Ended December 31, 2022 Banking (2) Mortgage Consolidated Interest income $ 470,430 $ 10,992 $ 481,422 Interest expense 71,405 (2,218) 69,187 Net interest income 399,025 13,210 412,235 Provisions for credit losses 18,982 — 18,982 Net interest income after provision for credit losses 380,043 13,210 393,253 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 (loss) 41,312 (225) 41,087 Total noninterest income 41,312 73,355 114,667 Salaries, commissions and employee benefits 150,408 61,083 211,491 Depreciation and amortization 7,035 982 8,017 Amortization of intangibles 4,585 — 4,585 Other noninterest expense (3) 63,248 61,005 124,253 Total noninterest expense 225,276 123,070 348,346 Income (loss) before income taxes $ 196,079 $ (36,505) $ 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 (2) 16 Net income applicable to FB Financial Corporation $ 124,555 Total assets $ 12,232,849 $ 614,907 $ 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) Banking segment includes noncontrolling interest. (3) Other noninterest expense for Banking includes expenses for occupancy and equipment expense, data processing, advertising, legal and professional fees and other expenses. Other noninterest expense for Mortgage includes expenses for occupancy and equipment expense, data processing, advertising, legal and professional fees, servicing expenses, restructuring expenses and other expenses.

Minimum Capital Requirements

Minimum Capital Requirements	12 Months Ended
	Dec. 31, 2024
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, 2024 and 2023, 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. Beginning in 2022, the cumulative amount of the transition adjustments became fixed and were phased out in annual increments over a three-year period. 2024 represents the final year of this CECL adoption phase out, with 25% of the initial impact of CECL adoption being adjusted out of regulatory capital calculations. Actual and required capital amounts and ratios are included below as of the dates indicated. December 31, 2024 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 $ 1,721,941 15.2 % $ 1,187,163 10.5 % N/A N/A FirstBank 1,650,305 14.7 % 1,175,095 10.5 % $ 1,119,138 10.0 % Tier 1 Capital (to risk-weighted assets) FB Financial Corporation $ 1,480,722 13.1 % $ 961,037 8.5 % N/A N/A FirstBank 1,410,505 12.6 % 951,267 8.5 % $ 895,310 8.0 % Common Equity Tier 1 Capital FB Financial Corporation $ 1,450,722 12.8 % $ 791,442 7.0 % N/A N/A FirstBank 1,410,505 12.6 % 783,397 7.0 % $ 727,440 6.5 % Tier 1 Capital (to average assets) FB Financial Corporation $ 1,480,722 11.3 % $ 522,557 4.0 % N/A N/A FirstBank 1,410,505 10.8 % 521,538 4.0 % $ 651,923 5.0 % 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 % 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 % 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 %

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2024
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, 2024, 2023, and 2022, matching employer contributions totaled $3,225, $3,450 and $3,686 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, 2024 and 2023, other liabilities on the consolidated balance sheets included post-retirement benefits payable of $2,328 and $2,152, respectively, related to these plans. For the years ended December 31, 2024, 2023, and 2022, 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, 2024 and 2023, cash surrender value of bank-owned life insurance was $72,504 and $76,143, respectively. Income related to these policies (net of related insurance premium expense) amounted to $3,753, $1,871 and $1,452 for the years ended December 31, 2024, 2023, and 2022, respectively.

Stock-Based Compensation

Stock-Based Compensation	12 Months Ended
	Dec. 31, 2024
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 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 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, 2024: Restricted Stock Weighted Balance at beginning of period (unvested) 323,520 $ 37.52 Granted 182,447 36.07 Vested (150,194) 37.64 Forfeited (10,337) 37.34 Balance at end of period (unvested) 345,436 $ 36.71 The total fair value of RSUs vested and released was $5,653, $8,089, and $8,018 for the years ended December 31, 2024, 2023, and 2022, respectively. The compensation cost related to the grants and vesting of RSUs was $7,340, $7,438, and $7,372 for the years ended December 31, 2024, 2023, and 2022, respectively. This includes amounts paid related to grants and compensation for directors elected to be settled in stock amounting to $838, $834, and $663 for the years ended December 31, 2024, 2023, and 2022, respectively. As of December 31, 2024, there was $6,825 of total unrecognized compensation cost related to unvested RSUs which is expected to be recognized over a weighted-average period of 1.68 years. Additionally, as of December 31, 2024, there were 1,351,486 shares available for issuance under the Company’s stock compensation plans. As of December 31, 2024 and 2023, there was $344 and $268, 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 certain 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 achievement of certain performance metrics over a fixed three-year performance period. The number of shares issued upon vesting can range from 0% to 200% of the PSUs granted. For PSUs granted prior to December 31, 2023, performance factors will be based on the Company’s achievement of core return on average tangible common equity over the performance period relative to a predefined peer group. For PSUs granted after December 31, 2023, performance factors will be based on a combination of the same metric discussed above as well as the Company’s adjusted tangible book value over the performance period. Compensation expense for PSUs is estimated each period based on the fair value of the Company’s stock at the grant date and the most probable outcome of the performance condition, adjusted for the passage of time within the performance period of the awards. The following table summarizes information about the changes in PSUs as of and for the year ended December 31, 2024: Performance Stock Units Outstanding (1) Weighted Balance at beginning of period (unvested) 176,163 $ 40.86 Granted 100,267 35.60 Performance adjustment (2) (9,778) 42.71 Vested (40,071) 42.71 Forfeited or expired (3,188) 38.07 Balance at end of period (unvested) 223,393 $ 38.06 (1) PSUs are presented as outstanding, granted and forfeited in the table above assuming targets are met and the awards pay out at 100%. (2) The performance adjustment represents the difference in shares ultimately awarded due to performance attainment above or below target. The following table summarizes data related to the Company’s outstanding PSUs as of December 31, 2024: Grant Year Grant Price Performance Period PSUs Outstanding 2022 $ 44.44 2022 to 2024 48,710 2023 $ 37.17 2023 to 2025 75,893 2024 $ 35.60 2024 to 2026 98,790 The Company recorded compensation cost $2,145, $2,943, and $2,485 for the years ended December 31, 2024, 2023, and 2022, respectively. As of December 31, 2024, maximum unrecognized compensation cost at 200% payout related to the unvested PSUs was $12,770, and the weighted average remaining performance period over which the cost could be recognized was 1.79 years. As of December 31, 2024 and 2023, there was $217 and $85, respectively, accrued in other liabilities related to dividend equivalent units declared to be paid upon vesting and distribution of the underlying PSUs. 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 21,862, 20,520, and 26,950 shares of common stock issued under the ESPP with proceeds from employee payroll withholdings of $861, $686, and $1,087 during the years ended December 31, 2024, 2023, and 2022, respectively. As of December 31, 2024, there were 2,272,364 shares available for issuance under the ESPP.

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2024
Related Party Transactions [Abstract]
Related Party Transactions	Related party transactions Loans The Bank has made and expects to continue to make loans to management, executive officers, the directors and significant shareholders of the Company and their related interests in the ordinary course of business, in compliance with regulatory requirements. An analysis of loans to management, executive officers, the directors and significant shareholders of the Bank and their related interests is presented below: Loans outstanding at January 1, 2024 $ 49,073 New loans and advances 5,041 Change in related party status — Repayments (22,708) Loans outstanding at December 31, 2024 $ 31,406 Unfunded commitments to management, executive officers, the directors, and significant shareholders and their related interests totaled $14,510 and $44,206 at December 31, 2024 and 2023, respectively. Deposits The Bank held deposits from related parties totaling $282,963 and $316,141 as of December 31, 2024 and 2023, 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 $411, $385, and $396 for the years ended December 31, 2024, 2023, and 2022, respectively. Aviation lease Through a wholly-owned subsidiary, FBK Aviation, LLC, the Company owns and maintains an aircraft. FBK Aviation, LLC maintains non-exclusive aircraft leases with entities owned by certain directors. The Company recognized income $50, $28, and $52 during the years ended December 31, 2024, 2023, and 2022, respectively, under these agreements. Equity investment in preferred stock and master loan purchase agreement five

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Pay vs Performance Disclosure
Net income	$ 116,035	$ 120,224	$ 124,555

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Dec. 31, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Insider Trading Policies and Pr

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

Cybersecurity Risk Management a

Cybersecurity Risk Management and Strategy Disclosure	12 Months Ended
	Dec. 31, 2024
Cybersecurity Risk Management, Strategy, and Governance [Line Items]
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]	The Bank recognizes the critical importance of developing, implementing, assessing, and maintaining appropriate cybersecurity measures to safeguard information systems and protect the confidentiality, integrity, and availability of data. The Risk Committee of the Board of Directors oversees management's processes for identifying and mitigating risks, including cybersecurity risks. The Chief Information Security Officer with experience in information technology and cybersecurity, is primarily responsible for implementing cyber risk mitigation strategies and is supported by a team of skilled professionals holding cybersecurity-related certifications. To ensure the robustness of cybersecurity strategies, the Bank actively collaborates with external experts, including cybersecurity assessors, consultants, and auditors, who provide specialized knowledge and insights. These partnerships include regular audits, threat assessments, and consultations on security enhancements. The Bank’s CISO regularly briefs the Risk Committee of the Board of Directors on cybersecurity and information security posture. Cybersecurity risk management is integrated into the Bank’s broader risk management framework to foster a company-wide culture of cybersecurity awareness. Key risk indicators, aligned with the Board-approved Statement of Risk Appetite, are reported quarterly to multiple management level committees and the Risk Committee of the Board of Directors. This process ensures timely communication and escalation of issues along with the required mitigation and remediation efforts related to cybersecurity risks. Given the risks associated with third-party service providers, thorough assessments are conducted before engagement and ongoing monitoring is maintained to ensure compliance with organizational standards. Elements of the assessment include cyber, financial, reputational, compliance, legal, strategic and operational reviews. The Third-Party Risk Management department, reporting directly to our CISO, oversees this critical process. To further strengthen the Bank’s preparedness, cybersecurity insurance coverage is maintained with coverage levels periodically reviewed to ensure alignment with the risk appetite. While robust cybersecurity measures have been implemented, the Bank has not experienced any material impacts from cybersecurity threats to date. This is not a guarantee that potential future events will be immaterial. The evolving nature of cyber threats means that new risks will emerge. These threats could potentially affect the Bank’s business strategy, operations, or financial condition. For potential impacts of future threats, refer to “Item 1A - Risk Factors - Technology and Operational Risks.”
Cybersecurity Risk Management Processes Integrated [Flag]	true
Cybersecurity Risk Management Processes Integrated [Text Block]	The Bank recognizes the critical importance of developing, implementing, assessing, and maintaining appropriate cybersecurity measures to safeguard information systems and protect the confidentiality, integrity, and availability of data. The Risk Committee of the Board of Directors oversees management's processes for identifying and mitigating risks, including cybersecurity risks. The Chief Information Security Officer with experience in information technology and cybersecurity, is primarily responsible for implementing cyber risk mitigation strategies and is supported by a team of skilled professionals holding cybersecurity-related certifications. To ensure the robustness of cybersecurity strategies, the Bank actively collaborates with external experts, including cybersecurity assessors, consultants, and auditors, who provide specialized knowledge and insights. These partnerships include regular audits, threat assessments, and consultations on security enhancements. The Bank’s CISO regularly briefs the Risk Committee of the Board of Directors on cybersecurity and information security posture.
Cybersecurity Risk Management Third Party Engaged [Flag]	true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]	true
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]	false
Cybersecurity Risk Board of Directors Oversight [Text Block]	The Risk Committee of the Board of Directors oversees management's processes for identifying and mitigating risks, including cybersecurity risks. The Chief Information Security Officer with experience in information technology and cybersecurity, is primarily responsible for implementing cyber risk mitigation strategies and is supported by a team of skilled professionals holding cybersecurity-related certifications. To ensure the robustness of cybersecurity strategies, the Bank actively collaborates with external experts, including cybersecurity assessors, consultants, and auditors, who provide specialized knowledge and insights. These partnerships include regular audits, threat assessments, and consultations on security enhancements. The Bank’s CISO regularly briefs the Risk Committee of the Board of Directors on cybersecurity and information security posture.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]	The Bank’s CISO regularly briefs the Risk Committee of the Board of Directors on cybersecurity and information security posture. Cybersecurity risk management is integrated into the Bank’s broader risk management framework to foster a company-wide culture of cybersecurity awareness. Key risk indicators, aligned with the Board-approved Statement of Risk Appetite, are reported quarterly to multiple management level committees and the Risk Committee of the Board of Directors. This process ensures timely communication and escalation of issues along with the required mitigation and remediation efforts related to cybersecurity risks.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]	The Risk Committee of the Board of Directors oversees management's processes for identifying and mitigating risks, including cybersecurity risks. The Chief Information Security Officer with experience in information technology and cybersecurity, is primarily responsible for implementing cyber risk mitigation strategies and is supported by a team of skilled professionals holding cybersecurity-related certifications. To ensure the robustness of cybersecurity strategies, the Bank actively collaborates with external experts, including cybersecurity assessors, consultants, and auditors, who provide specialized knowledge and insights. These partnerships include regular audits, threat assessments, and consultations on security enhancements. The Bank’s CISO regularly briefs the Risk Committee of the Board of Directors on cybersecurity and information security posture. Cybersecurity risk management is integrated into the Bank’s broader risk management framework to foster a company-wide culture of cybersecurity awareness. Key risk indicators, aligned with the Board-approved Statement of Risk Appetite, are reported quarterly to multiple management level committees and the Risk Committee of the Board of Directors. This process ensures timely communication and escalation of issues along with the required mitigation and remediation efforts related to cybersecurity risks.
Cybersecurity Risk Role of Management [Text Block]	The Risk Committee of the Board of Directors oversees management's processes for identifying and mitigating risks, including cybersecurity risks. The Chief Information Security Officer with experience in information technology and cybersecurity, is primarily responsible for implementing cyber risk mitigation strategies and is supported by a team of skilled professionals holding cybersecurity-related certifications. To ensure the robustness of cybersecurity strategies, the Bank actively collaborates with external experts, including cybersecurity assessors, consultants, and auditors, who provide specialized knowledge and insights. These partnerships include regular audits, threat assessments, and consultations on security enhancements. The Bank’s CISO regularly briefs the Risk Committee of the Board of Directors on cybersecurity and information security posture. Cybersecurity risk management is integrated into the Bank’s broader risk management framework to foster a company-wide culture of cybersecurity awareness. Key risk indicators, aligned with the Board-approved Statement of Risk Appetite, are reported quarterly to multiple management level committees and the Risk Committee of the Board of Directors. This process ensures timely communication and escalation of issues along with the required mitigation and remediation efforts related to cybersecurity risks. Given the risks associated with third-party service providers, thorough assessments are conducted before engagement and ongoing monitoring is maintained to ensure compliance with organizational standards. Elements of the assessment include cyber, financial, reputational, compliance, legal, strategic and operational reviews. The Third-Party Risk Management department, reporting directly to our CISO, oversees this critical process. To further strengthen the Bank’s preparedness, cybersecurity insurance coverage is maintained with coverage levels periodically reviewed to ensure alignment with the risk appetite. While robust cybersecurity measures have been implemented, the Bank has not experienced any material impacts from cybersecurity threats to date. This is not a guarantee that potential future events will be immaterial. The evolving nature of cyber threats means that new risks will emerge. These threats could potentially affect the Bank’s business strategy, operations, or financial condition. For potential impacts of future threats, refer to “Item 1A - Risk Factors - Technology and Operational Risks.” Cybersecurity governance The Bank has implemented a comprehensive set of information security policies, standards, and related training programs to promote awareness and prevention of cybersecurity risks. All employees are required to: • Review and acknowledge the information security framework upon hiring. • Formally review and understand updates to these policies. • Complete annual training sessions addressing data privacy and security, password protection, internet use, social engineering risks, and other key cybersecurity topics. These efforts ensure employees remain vigilant and informed about evolving threats and best practices.
Cybersecurity Risk Management Positions or Committees Responsible [Flag]	true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block]	The Risk Committee of the Board of Directors oversees management's processes for identifying and mitigating risks, including cybersecurity risks. The Chief Information Security Officer with experience in information technology and cybersecurity, is primarily responsible for implementing cyber risk mitigation strategies and is supported by a team of skilled professionals holding cybersecurity-related certifications.
Cybersecurity Risk Management Expertise of Management Responsible [Text Block]	The Chief Information Security Officer with experience in information technology and cybersecurity, is primarily responsible for implementing cyber risk mitigation strategies and is supported by a team of skilled professionals holding cybersecurity-related certifications.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]	The Risk Committee of the Board of Directors oversees management's processes for identifying and mitigating risks, including cybersecurity risks. The Chief Information Security Officer with experience in information technology and cybersecurity, is primarily responsible for implementing cyber risk mitigation strategies and is supported by a team of skilled professionals holding cybersecurity-related certifications. To ensure the robustness of cybersecurity strategies, the Bank actively collaborates with external experts, including cybersecurity assessors, consultants, and auditors, who provide specialized knowledge and insights. These partnerships include regular audits, threat assessments, and consultations on security enhancements. The Bank’s CISO regularly briefs the Risk Committee of the Board of Directors on cybersecurity and information security posture. Cybersecurity risk management is integrated into the Bank’s broader risk management framework to foster a company-wide culture of cybersecurity awareness. Key risk indicators, aligned with the Board-approved Statement of Risk Appetite, are reported quarterly to multiple management level committees and the Risk Committee of the Board of Directors. This process ensures timely communication and escalation of issues along with the required mitigation and remediation efforts related to cybersecurity risks.
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]	true

Basis of Presentation and Sum_2

Basis of Presentation and Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2024
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, 2024 and 2023, 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, 2024 and 2023, the Company did not own any securities classified as held-to-maturity. 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, 2024 and 2023, the Company did not own any securities classified as trading. Equity securities Equity securities with a readily determinable market value are carried at fair value on the balance sheet with any unrealized gains or losses recorded through income. Equity securities without a readily determinable fair value are carried at cost less impairment. Equity securities where the company has the ability to exercise significant influence over an investee’s operations and financial policies are accounted for under the equity method of accounting. Equity securities that qualify as equity method investments are initially recorded at cost and adjusted to reflect the Company’s proportionate share of profit or loss of the investee through income. We review equity method investments for impairment if there are events or changes in circumstances which indicate the carrying amount might not be recoverable. Equity securities, including those with and without a readily determinable market value and equity method securities are 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) and Credit Quality - Commercial Type 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, or recorded investment, represents the principal amount outstanding, net of any remaining purchase accounting adjustments, including discounts or premiums, as well as any deferred loan fees and direct costs on originated loans. Interest income on loans is recognized using the simple interest method on daily principal balances outstanding, including the accretion or amortization of purchase accounting adjustments, deferred loan fees and other direct costs. 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 may be 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. Doubtful loans 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. 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. A loan may require an individual evaluation when it is placed on nonaccrual status or no longer exhibits similar risk characteristics. These risk characteristics may include payment performance, internal or external credit scores, collateral type, effective interest rate or term among others. 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 of the underlying collateral. 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. The Company 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. 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 for 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. At December 31, 2024, the Company had an impairment charge of $2,349 on two facilities which will be decommissioned recorded in gain (loss) on sales or write-downs of premises and equipment, other real estate owned and other assets on the consolidated statements of income. There was no such impairment 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 premises and equipment, other real estate owned and other assets on the consolidated statements of income.
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, 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, 2024. 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 shareBasic 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 stock-based compensation plans where securities have been granted but are 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 280, “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. RSU 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. Stock-based compensation expense is recognized in accordance with ASC 718-20, “Compensation – Stock Compensation Awards Classified as Equity.” Compensation expense for RSUs is equal to the fair market value at the grant date and recognized over the vesting period. Compensation expense for PSUs is estimated each period based on the fair value of the stock at the grant date and the most probable outcome of the performance condition, adjusted for the passage of time within the vesting period of the awards. The Company has elected to record forfeitures as they occur. The summary of RSUs, PSUs, and stock-based compensation expense is presented in Note 21, “Stock-based compensation".
Subsequent events	Subsequent events In accordance with ASC 855, “Subsequent Events,” the Company has evaluated events and transactions that occurred after December 31, 2024 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 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. The Company adopted this standard effective December 31, 2024, for annual financial statements and subsequent interim periods beginning in 2025, and retrospectively updated its disclosures. Refer to Note 18 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 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 evaluating the impact this will have on the Company’s income tax disclosures. In November 2024, the FASB issued ASU 2024-03, “Income Statement – Reporting Comprehensive Income – Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses.” This update is intended to provide investors more detailed disclosures around specific types of expenses. This ASU requires certain details for expenses presented on the face of the consolidated statements of income as well as selling expenses to be presented in the notes to the financial statements. This update is effective for fiscal years beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027, with early adoption permitted. The disclosure updates are required to be applied prospectively with the option for retrospective application. The Company is evaluating the impact this will have on the Company's consolidated financial statements and related 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. 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. 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 properties 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. OREO 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 and Sum_3

Basis of Presentation and Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2024
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, 2024 2023 2022 Basic earnings per common share: Earnings available to common shareholders $ 116,035 $ 120,224 $ 124,555 Weighted average basic shares outstanding 46,737,217 46,781,214 47,113,470 Basic earnings per common share $ 2.48 $ 2.57 $ 2.64 Diluted earnings per common share: Earnings available to common shareholders $ 116,035 $ 120,224 $ 124,555 Weighted average basic shares outstanding 46,737,217 46,781,214 47,113,470 Weighted average diluted shares contingently issuable (1) 135,408 41,578 126,321 Weighted average diluted shares outstanding 46,872,625 46,822,792 47,239,791 Diluted earnings per common share $ 2.48 $ 2.57 $ 2.64 (1)

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2024
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 AFS debt securities and the corresponding amounts of unrealized gains and losses recognized in accumulated other comprehensive loss, net at December 31, 2024 and 2023: December 31, 2024 Amortized cost Gross unrealized gains Gross unrealized losses Allowance for credit losses on investments Fair Value Investment Securities AFS debt securities U.S. government agency securities $ 564,752 $ 172 $ (1,917) $ — $ 563,007 Mortgage-backed securities - residential 927,883 393 (117,277) — 810,999 Mortgage-backed securities - commercial 15,965 — (1,108) — 14,857 Municipal securities 169,498 20 (21,661) — 147,857 U.S. Treasury securities 299 — — — 299 Corporate securities 1,000 — (11) — 989 Total $ 1,679,397 $ 585 $ (141,974) $ — $ 1,538,008 December 31, 2023 Amortized cost Gross unrealized gains Gross unrealized losses Allowance for credit losses on investments Fair Value Investment Securities AFS 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
Schedule of Gross Unrealized Losses	The following tables show gross unrealized losses on AFS debt securities for which an allowance for credit losses has not been recorded at December 31, 2024 and 2023, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position: December 31, 2024 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 $ 494,885 $ (1,908) $ 714 $ (9) $ 495,599 $ (1,917) Mortgage-backed securities - residential 209,078 (8,956) 441,502 (108,321) 650,580 (117,277) Mortgage-backed securities - commercial 2,222 (19) 12,635 (1,089) 14,857 (1,108) Municipal securities 34,059 (2,376) 110,173 (19,285) 144,232 (21,661) Corporate securities — — 989 (11) 989 (11) Total $ 740,244 $ (13,259) $ 566,013 $ (128,715) $ 1,306,257 $ (141,974) 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)
Schedule of Amortized Cost and Fair Value of Debt Securities by Contractual Maturity	December 31, 2024 2023 Available-for-sale Available-for-sale Amortized cost Fair Value Amortized cost Fair Value Due in one year or less $ 849 $ 847 $ 64,776 $ 64,279 Due in one to five years 4,186 4,600 75,996 71,801 Due in five to ten years 225,954 222,943 51,162 49,630 Due in over ten years 504,560 483,762 391,270 372,331 735,549 712,152 583,204 558,041 Mortgage-backed securities - residential 927,883 810,999 1,057,389 896,971 Mortgage-backed securities - commercial 15,965 14,857 18,186 16,961 Total AFS debt securities $ 1,679,397 $ 1,538,008 $ 1,658,779 $ 1,471,973
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, 2024 2023 2022 Proceeds from sales $ 526,441 $ 100,463 $ 1,218 Proceeds from maturities, prepayments and calls 299,814 128,206 204,748 Gross realized gains 90 45 4 Gross realized losses 56,468 14,119 3

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses on Loans HFI (Tables)	12 Months Ended
	Dec. 31, 2024
Receivables [Abstract]
Schedule of Loans Outstanding by Class of Financing Receivable	Loans outstanding as of December 31, 2024 and 2023, by class of financing receivable are as follows: December 31, 2024 2023 Commercial and industrial $ 1,691,213 $ 1,720,733 Construction 1,087,732 1,397,313 Residential real estate: 1-to-4 family mortgage 1,616,754 1,568,552 Residential line of credit 602,475 530,912 Multi-family mortgage 653,769 603,804 Commercial real estate: Owner-occupied 1,357,568 1,232,071 Non-owner occupied 2,099,129 1,943,525 Consumer and other 493,744 411,873 Gross loans 9,602,384 9,408,783 Less: Allowance for credit losses on loans HFI (151,942) (150,326) Net loans $ 9,450,442 $ 9,258,457
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, 2024 and 2023 and the gross charge-offs for the years ended December 31, 2024 and 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. As of and for the year ended December 31, 2024 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Total Commercial and industrial Pass $ 194,185 $ 182,677 $ 130,148 $ 56,460 $ 29,735 $ 104,236 $ 909,398 $ 1,606,839 Special Mention 2,684 2,425 7,609 277 285 2,015 24,345 39,640 Classified — 175 19,125 4,424 1,659 6,201 13,150 44,734 Total 196,869 185,277 156,882 61,161 31,679 112,452 946,893 1,691,213 Current-period gross — 116 950 506 1,234 7 8,267 11,080 Construction Pass 190,058 116,122 349,716 99,225 27,616 54,099 199,596 1,036,432 Special Mention 156 87 15,432 389 10 576 — 16,650 Classified — — 7,314 290 8,335 — 18,711 34,650 Total 190,214 116,209 372,462 99,904 35,961 54,675 218,307 1,087,732 Current-period gross — — 122 — — — — 122 Residential real estate: Multi-family mortgage Pass 40,076 3,800 232,415 223,076 51,948 69,652 21,883 642,850 Special Mention — — — — — — — — Classified — — — 9,919 — 1,000 — 10,919 Total 40,076 3,800 232,415 232,995 51,948 70,652 21,883 653,769 Current-period gross — — — — — — — — Commercial real estate: Owner occupied Pass 185,416 103,060 247,049 215,798 102,580 396,288 84,226 1,334,417 Special Mention — — 1,370 2,582 — 6,133 — 10,085 Classified — — 6,324 235 61 5,371 1,075 13,066 Total 185,416 103,060 254,743 218,615 102,641 407,792 85,301 1,357,568 Current-period gross — — — — — — — — Non-owner occupied Pass 198,591 36,027 526,417 445,598 111,943 689,158 58,255 2,065,989 Special Mention — 4,836 — 1,527 — 19,311 — 25,674 Classified — — — 136 — 7,330 — 7,466 Total 198,591 40,863 526,417 447,261 111,943 715,799 58,255 2,099,129 Current-period gross — — — — — — — — Total commercial loan types Pass 808,326 441,686 1,485,745 1,040,157 323,822 1,313,433 1,273,358 6,686,527 Special Mention 2,840 7,348 24,411 4,775 295 28,035 24,345 92,049 Classified — 175 32,763 15,004 10,055 19,902 32,936 110,835 Total $ 811,166 $ 449,209 $ 1,542,919 $ 1,059,936 $ 334,172 $ 1,361,370 $ 1,330,639 $ 6,889,411 Current-period gross $ — $ 116 $ 1,072 $ 506 $ 1,234 $ 7 $ 8,267 $ 11,202 As of and for the year ended 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 The following tables present the credit quality by classification (performing or nonperforming) of the Company’s consumer type loan portfolio as of December 31, 2024 and 2023 and the gross charge-offs for the years ended December 31, 2024 and 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. As of and for the year ended December 31, 2024 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Total Residential real estate: 1-to-4 family mortgage Performing $ 223,520 $ 165,395 $ 443,372 $ 360,188 $ 129,674 $ 266,661 $ — $ 1,588,810 Nonperforming 27 941 7,254 6,357 4,192 9,173 — 27,944 Total 223,547 166,336 450,626 366,545 133,866 275,834 — 1,616,754 Current-period gross 10 54 150 130 67 28 — 439 Residential line of credit Performing — — — — — — 600,581 600,581 Nonperforming — — — — — — 1,894 1,894 Total — — — — — — 602,475 602,475 Current-period gross — — — — — — 73 73 Consumer and other Performing 139,684 93,817 76,286 35,507 29,387 102,233 652 477,566 Nonperforming 1,300 1,749 1,686 3,139 2,548 5,755 1 16,178 Total 140,984 95,566 77,972 38,646 31,935 107,988 653 493,744 Current-period gross 1,593 511 302 278 69 298 — 3,051 Total consumer type loans Performing 363,204 259,212 519,658 395,695 159,061 368,894 601,233 2,666,957 Nonperforming 1,327 2,690 8,940 9,496 6,740 14,928 1,895 46,016 Total $ 364,531 $ 261,902 $ 528,598 $ 405,191 $ 165,801 $ 383,822 $ 603,128 $ 2,712,973 Current-period gross $ 1,603 $ 565 $ 452 $ 408 $ 136 $ 326 $ 73 $ 3,563 As of and for the year ended 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 Prior-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 Prior-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 Prior-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 Prior-period gross 1,463 582 139 205 110 396 2 2,897
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, 2024 and 2023: December 31, 2024 30-89 days 90 days or Nonaccrual Loans current Total Commercial and industrial $ 1,204 $ 730 $ 9,661 $ 1,679,618 $ 1,691,213 Construction 3,288 538 10,915 1,072,991 1,087,732 Residential real estate: 1-to-4 family mortgage 24,376 15,319 12,625 1,564,434 1,616,754 Residential line of credit 2,302 357 1,537 598,279 602,475 Multi-family mortgage 979 — 21 652,769 653,769 Commercial real estate: Owner occupied 1,996 94 9,551 1,345,927 1,357,568 Non-owner occupied — 3,512 2,667 2,092,950 2,099,129 Consumer and other 13,710 3,797 12,381 463,856 493,744 Total $ 47,855 $ 24,347 $ 59,358 $ 9,470,824 $ 9,602,384 December 31, 2023 30-89 days 90 days or Nonaccrual Loans current on payments and accruing interest 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
Schedule of Amortized Cost, Related Allowance and Interest Income of Non-accrual Loans	The following tables provide the amortized cost basis of loans on non-accrual status, as well as any related allowance as of December 31, 2024 and 2023 by class of financing receivable. December 31, 2024 Nonaccrual Nonaccrual Related Year to date Interest Income Commercial and industrial $ 5,294 $ 4,367 $ 2,177 $ 641 Construction 1,653 9,262 1,383 456 Residential real estate: 1-to-4 family mortgage 1,562 11,063 211 57 Residential line of credit 148 1,389 26 69 Multi-family mortgage — 21 1 1 Commercial real estate: Owner occupied 6,415 3,136 137 144 Non-owner occupied 2,224 443 6 91 Consumer and other — 12,381 646 — Total $ 17,296 $ 42,062 $ 4,587 $ 1,459 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
Schedule of Financial Effect of TDRs	The following table presents the amortized cost of FDM loans as of December 31, 2024 by class of financing receivable and type of concession granted that were modified during the year ended December 31, 2024. Year Ended Term extension Payment deferral and term extension Interest rate reduction and term extension Payment deferral, interest rate reduction, and term extension Total % of total class of financing receivables Commercial and $ — $ 5,052 $ — $ — $ 5,052 0.3 % Construction — — — 2,008 2,008 0.2 % Residential real estate: 1-to-4 family mortgage — 3,780 — — 3,780 0.2 % Residential line of 28 — — — 28 — % Consumer and other 36 — 97 — 133 — % Total $ 64 $ 8,832 $ 97 $ 2,008 $ 11,001 0.1 % The following table describes the financial effect of the modifications made to borrowers experiencing financial difficultly: Year Ended Weighted average term extension Weighted average payment deferral Weighted average interest rate reduction Commercial and industrial 12 12 — Construction 360 5 0.10% Residential real estate: 1-to-4 family mortgage 147 4 — Residential line of credit 120 — — Consumer and other 25 — 1.49%
Schedule of Financing Receivable, Modified, Past Due	The table below depicts the performance of loans HFI as of December 31, 2024 made to borrowers experiencing financial difficulty that were modified in the prior twelve months. December 31, 2024 30-89 days 90 days or Nonaccrual loans (1) Loans current Total Commercial and industrial $ — $ — $ 5,052 $ — $ 5,052 Construction — — 2,008 — 2,008 Residential real estate: 1-to-4 family mortgage — 316 — 3,464 3,780 Residential line of credit — — — 28 28 Consumer and other 14 16 — 103 133 Total $ 14 $ 332 $ 7,060 $ 3,595 $ 11,001 (1) Loans were on non-accrual when modified and subsequently classified as FDM.
Schedule of Individually Assessed Allowance for Credit Losses for Collateral Dependent Loans	For collateral-dependent loans, or those loans for which repayment is expected to be provided substantially through the operation or sale of collateral, where the borrower is also experiencing financial difficulty, the following tables present the loans by class of financing receivable. December 31, 2024 Type of Collateral Real Estate Farmland Business Assets Total Commercial and industrial $ — $ — $ 8,492 $ 8,492 Construction 22,047 1,653 — 23,700 Residential real estate: 1-to-4 family mortgage 1,843 — — 1,843 Residential line of credit 148 — — 148 Multi-family mortgage 9,919 — — 9,919 Commercial real estate: Owner occupied — 6,415 — 6,415 Non-owner occupied 6,886 — — 6,886 Total $ 40,843 $ 8,068 $ 8,492 $ 57,403 December 31, 2023 Type of Collateral Real Estate Farmland Business Assets Total Commercial and industrial $ — $ 363 $ 20,599 $ 20,962 Construction 8,224 — — 8,224 Residential real estate: 1-to-4 family mortgage 5,317 — — 5,317 Residential line of credit 1,245 — — 1,245 Commercial real estate: Owner occupied 1,975 1,160 — 3,135 Non-owner occupied 3,316 — — 3,316 Consumer and other 112 — — 112 Total $ 20,189 $ 1,523 $ 20,599 $ 42,311
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, 2024, 2023, and 2022: Commercial Construction 1-to-4 Residential Multi-family Commercial Commercial Consumer Total Year Ended December 31, 2024 Beginning balance - December 31, 2023 $ 19,599 $ 35,372 $ 26,505 $ 9,468 $ 8,842 $ 10,653 $ 22,965 $ 16,922 $ 150,326 Provision for (reversal of) 7,720 (3,552) (810) 1,539 1,670 1,095 2,566 4,439 14,667 Recoveries of loans previously charged-off 428 — 84 18 — 245 — 939 1,714 Loans charged off (11,080) (122) (439) (73) — — — (3,051) (14,765) Ending balance - December 31, 2024 $ 16,667 $ 31,698 $ 25,340 $ 10,952 $ 10,512 $ 11,993 $ 25,531 $ 19,249 $ 151,942 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 - $ 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

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2024
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, 2024 and 2023, are as follows: 2024 2023 Land $ 36,790 $ 35,092 Premises 107,865 112,092 Furniture, fixtures and equipment 26,978 25,734 Leasehold improvements 32,029 28,271 Construction in process 2,628 4,943 Finance lease 1,145 1,256 207,435 207,388 Less: accumulated depreciation and amortization (58,536) (51,657) Total premises and equipment $ 148,899 $ 155,731

Other Real Estate Owned (Tables

Other Real Estate Owned (Tables)	12 Months Ended
	Dec. 31, 2024
Real Estate [Abstract]
Schedule of Other Real Estate Owned	The following table summarizes the other real estate owned for the years ended December 31, 2024, 2023, and 2022: Year Ended December 31, 2024 2023 2022 Balance at beginning of period $ 3,192 $ 5,794 $ 9,777 Transfers from loans 3,458 2,736 1,437 Transfers to other assets — (75) — Transfers to premises and equipment — — (351) Proceeds from sale of other real estate owned (2,323) (6,083) (4,955) Gain on sale of other real estate owned 82 835 328 Write-downs and partial liquidations — (15) (442) Balance at end of period $ 4,409 $ 3,192 $ 5,794

Goodwill and Intangible Assets

Goodwill and Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2024
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, 2024 and 2023 is as follows: Core deposit and other intangibles Gross Carrying Amount Accumulated Amortization Net Carrying Amount December 31, 2024 Core deposit intangible $ 59,835 $ (54,486) $ 5,349 Customer base trust intangible 1,600 (1,187) 413 Total core deposit and other intangibles $ 61,435 $ (55,673) $ 5,762 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
Schedule of Estimated Aggregate Amortization Expense of Core Deposit and Other Intangibles	The estimated aggregate future amortization expense of core deposit and other intangibles is as follows: 2025 $ 2,306 2026 1,563 2027 1,080 2028 572 2029 211 Thereafter 30 $ 5,762

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2024
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, 2024 and 2023: December 31, Classification 2024 2023 Right-of-use assets: Operating leases Operating lease right-of-use assets $ 47,963 $ 54,295 Finance leases Premises and equipment, net 1,145 1,256 Total right-of-use assets $ 49,108 $ 55,551 Lease liabilities: Operating leases Operating lease liabilities $ 60,024 $ 67,643 Finance leases Borrowings 1,229 1,326 Total lease liabilities $ 61,253 $ 68,969 Weighted average remaining lease term (in years) - 11.0 11.6 Weighted average remaining lease term (in years) - 10.4 11.4 Weighted average discount rate - operating 3.47 % 3.39 % 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 2024 2023 2022 Operating lease costs: Amortization of right-of-use asset Occupancy and equipment $ 6,962 $ 8,516 $ 8,441 Short-term lease cost Occupancy and equipment 371 540 526 Variable lease cost Occupancy and equipment 1,335 1,205 1,078 Loss on lease modifications and (1) — 1,770 346 Finance lease costs: Interest on lease liabilities Interest expense on borrowings 22 24 28 Amortization of right-of-use asset Occupancy and equipment 111 111 120 Sublease income Occupancy and equipment (522) (957) (993) Total lease cost $ 8,279 $ 11,209 $ 9,546 (1) For the year ended December 31, 2023, amount is included in "Occupancy and equipment" related to the closure of two branch locations. For the year ended December 31, 2022, $364 was related to loss on lease modifications and terminations from vacating two locations included in "Mortgage restructuring expense" and $18 of gains on early lease terminations and modifications from other vacated locations included in "Occupancy and equipment".
Schedule of Maturity Analysis of Operating Lease Liabilities	A maturity analysis of operating and finance lease liabilities and a reconciliation of cash flows to lease liabilities as of December 31, 2024 is as follows: Operating Finance Leases Lease Lease payments due: December 31, 2025 $ 8,562 $ 121 December 31, 2026 8,309 123 December 31, 2027 7,849 125 December 31, 2028 6,957 127 December 31, 2029 5,897 129 Thereafter 35,828 721 Total undiscounted future minimum lease payments 73,402 1,346 Less: imputed interest (13,378) (117) Lease liabilities $ 60,024 $ 1,229
Schedule of Maturity of Finance Lease Liabilities	A maturity analysis of operating and finance lease liabilities and a reconciliation of cash flows to lease liabilities as of December 31, 2024 is as follows: Operating Finance Leases Lease Lease payments due: December 31, 2025 $ 8,562 $ 121 December 31, 2026 8,309 123 December 31, 2027 7,849 125 December 31, 2028 6,957 127 December 31, 2029 5,897 129 Thereafter 35,828 721 Total undiscounted future minimum lease payments 73,402 1,346 Less: imputed interest (13,378) (117) Lease liabilities $ 60,024 $ 1,229

Mortgage Servicing Rights (Tabl

Mortgage Servicing Rights (Tables)	12 Months Ended
	Dec. 31, 2024
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, 2024, 2023, and 2022: Years Ended December 31, 2024 2023 2022 Carrying value at beginning of period $ 164,249 $ 168,365 $ 115,512 Capitalization 4,984 7,192 20,809 Change in fair value: Due to payoffs/paydowns (13,693) (12,327) (16,012) Due to change in valuation inputs or assumptions 6,498 1,019 48,056 Carrying value at end of period $ 162,038 $ 164,249 $ 168,365
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, 2024, 2023, and 2022: Years Ended December 31, 2024 2023 2022 Servicing income $ 29,212 $ 30,263 $ 30,763 Change in fair value of mortgage servicing rights (7,195) (11,308) 32,044 Change in fair value of derivative hedging instruments (9,083) (4,918) (42,143) Servicing income 12,934 14,037 20,664 Servicing expenses 7,642 8,093 10,259 Net servicing income $ 5,292 $ 5,944 $ 10,405
Schedule of Data and Key Economic Assumptions Related to Mortgage Servicing Rights	Data and key economic assumptions, as well as the valuation's sensitivity to interest rate fluctuations, related to the Company’s mortgage servicing rights as of December 31, 2024 and 2023 are as follows: December 31, 2024 2023 Unpaid principal balance of mortgage loans sold and serviced for others $ 10,235,048 $ 10,762,906 Weighted-average prepayment speed (CPR) 6.04 % 6.19 % Estimated impact on fair value of a 10% increase $ (4,213) $ (4,616) Estimated impact on fair value of a 20% increase $ (8,168) $ (8,924) Discount rate 10.18 % 9.62 % Estimated impact on fair value of a 100 bp increase $ (7,515) $ (7,637) Estimated impact on fair value of a 200 bp increase $ (14,397) $ (14,624) Weighted-average coupon interest rate 3.59 % 3.47 % Weighted-average servicing fee (basis points) 27 27 Weighted-average remaining maturity (in months) 336 334

Other Assets and Other Liabil_2

Other Assets and Other Liabilities (Tables)	12 Months Ended
	Dec. 31, 2024
Other Assets And Other Liabilities [Abstract]
Schedule of Other Assets	Included in other assets are: As of December 31, Other assets 2024 2023 Derivatives (See Note 15) 29,951 34,738 Equity securities without a readily determinable market value 23,459 25,191 Current income tax receivable 22,076 5,930 Deferred tax asset (See Note 12) 21,597 31,631 Mortgage lending receivable 20,971 16,344 Pledged collateral on derivative instruments 20,961 14,042 Equity method investment (See Note 2) 19,970 — FHLB lender risk account receivable 19,926 20,258 Prepaid expenses 16,018 13,594 Software 1,388 525 Other assets 36,971 41,156 Total other assets $ 233,288 $ 203,409
Schedule of Other Liabilities	Included in other liabilities are: As of December 31, Other liabilities 2024 2023 Derivatives (See Note 15) 32,383 38,215 Accrued payroll 26,901 18,406 Accrued interest payable 24,182 18,809 FHLB lender risk account guaranty 9,738 9,746 Allowance for credit losses on unfunded commitments (See Note 14) 6,107 8,770 Deferred compensation 2,328 2,152 Mortgage buyback reserve (See Note 14) 697 899 Other liabilities 40,268 45,625 Total other liabilities $ 142,604 $ 142,622

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2024
Deposits [Abstract]
Schedule of Maturities of Time Deposits	At December 31, 2024, the scheduled maturities of time deposits are as follows: Scheduled maturities of time deposits Due on or before: December 31, 2025 $ 1,543,869 December 31, 2026 253,563 December 31, 2027 41,021 December 31, 2028 6,119 December 31, 2029 4,715 Thereafter 7 Total $ 1,849,294

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2024
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, 2024 and 2023: Outstanding Balance Weighted Average Interest Rate December 31, December 31, 2024 2023 2024 2023 Securities sold under agreements to repurchase $ 13,499 $ 108,764 0.20 % 5.05 % Bank Term Funding Program — 130,000 — % 4.85 % Subordinated debt, net 130,704 129,645 5.28 % 5.52 % Other borrowings 32,586 22,555 0.07 % 0.10 % Total $ 176,789 $ 390,964
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, 2024 December 31, 2023 Balance at year end $ 13,499 $ 108,764 Average daily balance during the year 21,339 29,860 Average interest rate during the year 1.72 % 2.24 % Maximum month-end balance during the year $ 78,228 $ 116,220 Weighted average interest rate at year-end 0.20 % 5.05 %
Schedule of Federal Home Loan Bank, Advances	Information concerning FHLB advances as of or for the years ended December 31, 2024 and 2023 is summarized within the table below. December 31, 2024 December 31, 2023 Balance at year end $ — $ — Average daily balance during the year — 28,973 Average interest rate during the year — % 5.13 % Maximum month-end balance during the year $ — $ 125,000 Weighted average interest rate at year-end — % — %
Schedule of Bank Term Funding Program	Information concerning the BTFP as of or for the years ended December 31, 2024 and 2023 is summarized within the table below. December 31, 2024 December 31, 2023 Balance at year end $ — $ 130,000 Average daily balance during the year 95,902 1,781 Average interest rate during the year 4.86 % 4.85 % Maximum month-end balance during the year $ 130,000 $ 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, 2024 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 7.84% 3-month SOFR plus 3.51% FBK Trust II (1) 2003 06/26/2033 6/26/2008 21,650 7.74% 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 (226) Total Subordinated Debt, net $ 130,704 (1) The Company classifies $30,000 of the trusts' subordinated debt as Tier 1 capital. (2) The Company classifies the issuance, net of unamortized issuance costs 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, 2024
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, 2024 2023 2022 Current $ 32,382 $ 31,467 $ 22,451 Deferred (1,763) (1,415) 12,552 Total $ 30,619 $ 30,052 $ 35,003
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, 2024, 2023, and 2022: Years Ended December 31, 2024 2023 2022 Federal taxes calculated at statutory rate $ 30,801 21.0 % $ 31,561 21.0 % $ 33,510 21.0 % (Decrease) increase resulting from: State taxes, net of federal benefit (404) (0.3) % (158) (0.1) % 3,845 2.4 % Expense (benefit) from equity based compensation 56 0.0 % 219 0.1 % (392) (0.2) % Municipal interest income, net of interest disallowance (1,325) (0.9) % (1,804) (1.2) % (1,774) (1.1) % Bank-owned life insurance (788) (0.5) % (393) (0.3) % (305) (0.2) % Section 162(m) limitation 284 0.2 % 244 0.2 % 241 0.1 % Nondeductible expenses 2,029 1.4 % 384 0.3 % 326 0.2 % Other (34) — % (1) — % (448) (0.3) % Income tax expense, as reported $ 30,619 20.9 % $ 30,052 20.0 % $ 35,003 21.9 %
Schedule of Net Deferred Tax Assets (Liabilities)	The components of the deferred tax assets and liabilities at December 31, 2024 and 2023, are as follows: December 31, 2024 2023 Deferred tax assets: Allowance for credit losses $ 39,155 $ 39,228 Operating lease liabilities 21,864 24,607 Net operating loss 523 805 Amortization of core deposit intangibles 1,482 1,135 Deferred compensation 10,372 7,433 Unrealized loss on debt securities 36,766 48,714 Other assets 5,616 4,863 Subtotal 115,778 126,785 Deferred tax liabilities: FHLB stock dividends $ (252) $ (263) Operating leases - right of use assets (19,252) (21,312) Depreciation (8,117) (5,996) Unrealized gain on equity securities (948) (2,122) Unrealized gain on cash flow hedges — (151) Mortgage servicing rights (42,221) (42,797) Goodwill (20,121) (17,995) Other liabilities (3,270) (4,518) Subtotal (94,181) (95,154) Net deferred tax assets $ 21,597 $ 31,631

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2024
Commitments and Contingencies Disclosure [Abstract]
Schedule of Financial Instruments with Off-Balance Sheet Credit Risk	December 31, 2024 2023 Commitments to extend credit, excluding interest rate lock commitments $ 2,770,105 $ 2,906,016 Letters of credit 69,855 77,055 Balance at end of period $ 2,839,960 $ 2,983,071
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, 2024 2023 2022 Balance at beginning of period $ 8,770 $ 22,969 $ 14,380 (Reversal of) provision for credit losses on unfunded commitments (2,663) (14,199) 8,589 Balance at end of period $ 6,107 $ 8,770 $ 22,969
Schedule of Activity in the Repurchase Reserve	The following table summarizes this activity: Years Ended December 31, 2024 2023 2022 Balance at beginning of period $ 899 $ 1,621 $ 4,802 Provision for (reversal of) loan repurchases or indemnifications 235 (650) (2,989) Losses on loans repurchased or indemnified (437) (72) (192) Balance at end of period $ 697 $ 899 $ 1,621

Derivatives (Tables)

Derivatives (Tables)	12 Months Ended
	Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Instruments in Statement of Financial Position, Fair Value	The following discloses the total amount of expense included in interest expense on deposits and borrowings, related to the Company's fair value hedging instruments: Years Ended December 31, 2024 2023 2022 Designated fair value hedge: Interest expense on deposits $ (4,588) $ (7,176) $ (717) Interest expense on borrowings (645) (3,630) (395) Total $ (5,233) $ (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 December 31, 2023: December 31, 2023 Line item on the balance sheet Carrying amount of the hedged item Cumulative decrease in fair value hedging adjustment included in the carrying amount of the hedged item Money market and savings deposits $ 198,143 (1) $ (4,497) Borrowings 98,715 (2) (673) Total $ 296,858 $ (5,170) (1) The carrying value also includes an unaccreted purchase accounting fair value premium of $2,640 as of December 31, 2023. (2) The carrying value also includes unamortized subordinated debt issuance costs of $612 as of December 31, 2023.
Schedule of Derivative Financial Instruments	The following tables provide details on the Company’s non-designated derivative financial instruments as of the dates presented: December 31, 2024 Notional Amount Asset Liability Interest rate contracts $ 565,152 $ 29,298 $ 29,377 Forward commitments 140,000 6 — Interest rate-lock commitments 65,687 647 — Futures contracts 217,000 — 3,006 Total $ 987,839 $ 29,951 $ 32,383 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
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 income (loss), net of tax, for derivative instruments designated as cash flow hedges for the periods presented: Years Ended December 31, 2024 2023 2022 Amount of (loss) gain recognized in other comprehensive income (loss), net of tax (benefit) expense of $(151), $(176) and $532 $ (428) $ (500) $ 1,508 (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, 2024 2023 2022 Included in mortgage banking income: Interest rate lock commitments $ (556) $ (230) $ (5,764) Forward commitments (546) 953 55,804 Futures contracts (7,670) (3,366) (36,381) Option contracts — (1,125) 36 Total $ (8,772) $ (3,768) $ 13,695
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, 2024 Derivative financial assets $ 28,379 $ — $ 28,379 $ 1,030 $ — $ 27,349 Derivative financial liabilities $ 9,144 $ — $ 9,144 $ 1,030 $ 8,114 $ — 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 $ —
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, 2024 Derivative financial assets $ 28,379 $ — $ 28,379 $ 1,030 $ — $ 27,349 Derivative financial liabilities $ 9,144 $ — $ 9,144 $ 1,030 $ 8,114 $ — 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 $ —

Fair Value of Financial Instr_2

Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2024
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, 2024 and 2023 are presented in the following tables: At December 31, 2024 Quoted prices Significant Significant unobservable Total Recurring valuations: Financial assets: AFS debt securities: U.S. government agency securities $ — $ 563,007 $ — $ 563,007 Mortgage-backed securities - residential — 810,999 — 810,999 Mortgage-backed securities - commercial — 14,857 — 14,857 Municipal securities — 147,857 — 147,857 U.S. Treasury securities — 299 — 299 Corporate securities — 989 — 989 Total securities $ — $ 1,538,008 $ — $ 1,538,008 Loans held for sale, at fair value $ — $ 95,403 $ — $ 95,403 Mortgage servicing rights — — 162,038 162,038 Derivatives — 29,951 — 29,951 Financial Liabilities: Derivatives — 32,383 — 32,383 At December 31, 2023 Quoted prices Significant Significant unobservable Total Recurring valuations: Financial assets: AFS debt 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
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, 2024 and 2023 are presented in the following tables: At December 31, 2024 Quoted prices Significant Significant unobservable Total Nonrecurring valuations: Financial assets: Other real estate owned $ — $ — $ 2,873 $ 2,873 Collateral-dependent net loans held for Commercial and industrial — — 694 694 Construction — — 20,818 20,818 Multifamily — — 9,000 9,000 Total collateral-dependent loans $ — $ — $ 30,512 $ 30,512 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 The following table sets forth the changes in fair value associated with this portfolio for the years ended December 31, 2023 and 2022. 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
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, 2024 and 2023 about significant unobservable inputs (Level 3) used in the valuation of assets measured at fair value on a nonrecurring basis: December 31, 2024 Financial instrument Fair Value Valuation technique Significant Range of Collateral-dependent net loans $ 30,512 Valuation of collateral Discount for comparable sales 10%-40% Other real estate owned $ 2,873 Appraised value of property less costs to sell Discount for costs to sell 0%-10% 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%
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, 2024 2023 Loans held for sale under a fair value option: Mortgage loans held for sale 95,403 46,618 Loans held for sale not accounted for under a fair value option: Mortgage loans held for sale - guaranteed GNMA repurchase option 31,357 21,229 Total loans held for sale $ 126,760 $ 67,847
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 mortgage loans held for sale measured at fair value as of December 31, 2024 and 2023: December 31, 2024 2023 Aggregate fair value $ 95,403 $ 46,618 Aggregate unpaid principal balance 93,918 45,509 Difference $ 1,485 $ 1,109
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. Non-financial instruments are excluded from the table below. Fair Value December 31, 2024 Carrying amount Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 1,042,488 $ 1,042,488 $ — $ — $ 1,042,488 Investment securities 1,538,008 — 1,538,008 — 1,538,008 Net loans held for investment 9,450,442 — — 9,221,311 9,221,311 Loans held for sale, at fair value 95,403 — 95,403 — 95,403 Interest receivable 49,611 629 8,012 40,970 49,611 Mortgage servicing rights 162,038 — — 162,038 162,038 Derivatives 29,951 — 29,951 — 29,951 Financial liabilities: Deposits: Without stated maturities $ 9,361,140 $ 9,361,140 $ — $ — $ 9,361,140 With stated maturities 1,849,294 — 1,846,989 — 1,846,989 Securities sold under agreements to repurchase and federal funds purchased 13,499 13,499 — — 13,499 Subordinated debt, net 130,704 — — 126,684 126,684 Interest payable 24,182 3,759 18,923 1,500 24,182 Derivatives 32,383 — 32,383 — 32,383 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

Parent Company Financial Stat_2

Parent Company Financial Statements (Tables)	12 Months Ended
	Dec. 31, 2024
Condensed Financial Information Disclosure [Abstract]
Schedule of Balance Sheet	As of December 31, Balance sheets 2024 2023 Assets Cash and cash equivalents (1) $ 32,857 $ 21,448 Investment in subsidiaries (1) 1,527,292 1,449,439 Other assets 38,918 15,291 Goodwill 29 29 Total assets $ 1,599,096 $ 1,486,207 Liabilities and shareholders' equity Liabilities Borrowings $ 30,930 $ 30,930 Accrued expenses and other liabilities 628 483 Total liabilities 31,558 31,413 Shareholders' equity Common stock 46,663 46,849 Additional paid-in capital 860,266 864,258 Retained earnings 762,293 678,412 Accumulated other comprehensive loss (101,684) (134,725) Total shareholders' equity 1,567,538 1,454,794 Total liabilities and shareholders' equity $ 1,599,096 $ 1,486,207 (1) Eliminates in consolidation
Schedule of Income Statements	Years Ended December 31, Statements of income 2024 2023 2022 Income Dividend income from bank subsidiary (1) $ 83,200 $ 49,000 $ 49,000 Dividend income from nonbank subsidiary (1) — 530 — Other income 7 57 89 Total income 83,207 49,587 49,089 Expenses Interest expense 2,107 1,590 1,587 Salaries, legal and professional fees 1,549 1,461 1,590 Other noninterest expense 426 478 771 Total expenses 4,082 3,529 3,948 Income before income tax benefit and equity in undistributed 79,125 46,058 45,141 Federal and state income tax benefit (1,047) (887) (1,002) Income before equity in undistributed earnings of subsidiaries 80,172 46,945 46,143 Equity in undistributed earnings from bank subsidiary (1) 35,863 73,832 76,232 Equity in undistributed earnings from nonbank subsidiary (1) — (553) 2,180 Net income $ 116,035 $ 120,224 $ 124,555 (1) Eliminates in consolidation
Schedule of Cash Flows	Years Ended December 31, Statements of cash flows 2024 2023 2022 Operating Activities Net income $ 116,035 $ 120,224 $ 124,555 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed income of bank subsidiary (35,863) (73,832) (76,232) Equity in undistributed income of nonbank subsidiary — 553 (2,180) Stock-based compensation expense 9,485 10,381 9,857 (Increase) decrease in other assets (24,055) 1,017 (802) Decrease in other liabilities (8,584) (4,064) (7,381) Net cash provided by operating activities 57,018 54,279 47,817 Investing Activities Net cash provided by investing activities — — — Financing Activities Stock-based compensation withholding payments (1,846) (3,379) (2,842) Net proceeds from sale of common stock under employee stock purchase 882 723 1,212 Repurchase of common stock (12,699) (4,944) (39,979) Dividends paid on common stock (31,780) (28,057) (24,503) Dividend equivalent payments made upon vesting of equity compensation (166) (226) (168) Net cash used in financing activities (45,609) (35,883) (66,280) Net increase (decrease) in cash and cash equivalents 11,409 18,396 (18,463) Cash and cash equivalents at beginning of year 21,448 3,052 21,515 Cash and cash equivalents at end of year $ 32,857 $ 21,448 $ 3,052 Supplemental noncash disclosures: Dividends declared not paid on restricted stock units and performance stock $ 374 $ 287 $ 222 Noncash dividends from bank subsidiary 21,700 — —

Segment Reporting (Tables)

Segment Reporting (Tables)	12 Months Ended
	Dec. 31, 2024
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, 2024, 2023, and 2022. Year Ended December 31, 2024 Banking (2) Mortgage Consolidated Interest income $ 726,033 $ (495) $ 725,538 Interest expense 315,250 (6,215) 309,035 Net interest income 410,783 5,720 416,503 Provisions for (reversals of) credit losses 12,264 (260) 12,004 Net interest income after provision for credit losses 398,519 5,980 404,499 Mortgage banking income — 62,912 62,912 Change in fair value of mortgage servicing rights, net of hedging (1) — (16,278) (16,278) Other noninterest (loss) income (8,376) 812 (7,564) Total noninterest (loss) income (8,376) 47,446 39,070 Salaries, commissions and employee benefits 154,411 29,402 183,813 Depreciation and amortization 11,541 425 11,966 Amortization of intangibles 2,947 — 2,947 Other noninterest expense (3) 78,172 20,001 98,173 Total noninterest expense 247,071 49,828 296,899 Income before income taxes $ 143,072 $ 3,598 $ 146,670 Income tax expense 30,619 Net income applicable to FB Financial Corporation and noncontrolling interest 116,051 Net income applicable to noncontrolling interest (2) 16 Net income applicable to FB Financial Corporation $ 116,035 Total assets $ 12,554,435 $ 603,047 $ 13,157,482 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. (3) Other noninterest expense for Banking includes expenses for occupancy and equipment expense, data processing, advertising, legal and professional fees and other expenses. Other noninterest expense for Mortgage includes expenses for occupancy and equipment expense, data processing, advertising, legal and professional fees, servicing expenses and other expenses. Year Ended December 31, 2023 Banking (2) Mortgage Consolidated Interest income $ 678,591 $ (181) $ 678,410 Interest expense 277,342 (6,149) 271,193 Net interest income 401,249 5,968 407,217 Provisions for (reversals of) credit losses 2,599 (60) 2,539 Net interest income after provision for credit losses 398,650 6,028 404,678 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 Total noninterest income 25,831 44,712 70,543 Salaries, commissions and employee benefits 170,625 32,816 203,441 Depreciation and amortization 10,444 736 11,180 Amortization of intangibles 3,659 — 3,659 Other noninterest expense (3) 85,407 21,242 106,649 Total noninterest expense 270,135 54,794 324,929 Income (loss) before income taxes $ 154,346 $ (4,054) $ 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 $ 12,050,245 $ 554,158 $ 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. (3) Other noninterest expense for Banking includes expenses for occupancy and equipment expense, data processing, advertising, legal and professional fees and other expenses. Other noninterest expense for Mortgage includes expenses for occupancy and equipment expense, data processing, advertising, legal and professional fees, servicing expenses and other expenses. Year Ended December 31, 2022 Banking (2) Mortgage Consolidated Interest income $ 470,430 $ 10,992 $ 481,422 Interest expense 71,405 (2,218) 69,187 Net interest income 399,025 13,210 412,235 Provisions for credit losses 18,982 — 18,982 Net interest income after provision for credit losses 380,043 13,210 393,253 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 (loss) 41,312 (225) 41,087 Total noninterest income 41,312 73,355 114,667 Salaries, commissions and employee benefits 150,408 61,083 211,491 Depreciation and amortization 7,035 982 8,017 Amortization of intangibles 4,585 — 4,585 Other noninterest expense (3) 63,248 61,005 124,253 Total noninterest expense 225,276 123,070 348,346 Income (loss) before income taxes $ 196,079 $ (36,505) $ 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 (2) 16 Net income applicable to FB Financial Corporation $ 124,555 Total assets $ 12,232,849 $ 614,907 $ 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) Banking segment includes noncontrolling interest. (3) Other noninterest expense for Banking includes expenses for occupancy and equipment expense, data processing, advertising, legal and professional fees and other expenses. Other noninterest expense for Mortgage includes expenses for occupancy and equipment expense, data processing, advertising, legal and professional fees, servicing expenses, restructuring expenses and other expenses.

Minimum Capital Requirements (T

Minimum Capital Requirements (Tables)	12 Months Ended
	Dec. 31, 2024
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, 2024 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 $ 1,721,941 15.2 % $ 1,187,163 10.5 % N/A N/A FirstBank 1,650,305 14.7 % 1,175,095 10.5 % $ 1,119,138 10.0 % Tier 1 Capital (to risk-weighted assets) FB Financial Corporation $ 1,480,722 13.1 % $ 961,037 8.5 % N/A N/A FirstBank 1,410,505 12.6 % 951,267 8.5 % $ 895,310 8.0 % Common Equity Tier 1 Capital FB Financial Corporation $ 1,450,722 12.8 % $ 791,442 7.0 % N/A N/A FirstBank 1,410,505 12.6 % 783,397 7.0 % $ 727,440 6.5 % Tier 1 Capital (to average assets) FB Financial Corporation $ 1,480,722 11.3 % $ 522,557 4.0 % N/A N/A FirstBank 1,410,505 10.8 % 521,538 4.0 % $ 651,923 5.0 % 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 % 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 % 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 %

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2024
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, 2024: Restricted Stock Weighted Balance at beginning of period (unvested) 323,520 $ 37.52 Granted 182,447 36.07 Vested (150,194) 37.64 Forfeited (10,337) 37.34 Balance at end of period (unvested) 345,436 $ 36.71
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, 2024: Performance Stock Units Outstanding (1) Weighted Balance at beginning of period (unvested) 176,163 $ 40.86 Granted 100,267 35.60 Performance adjustment (2) (9,778) 42.71 Vested (40,071) 42.71 Forfeited or expired (3,188) 38.07 Balance at end of period (unvested) 223,393 $ 38.06 (1) PSUs are presented as outstanding, granted and forfeited in the table above assuming targets are met and the awards pay out at 100%. (2) The performance adjustment represents the difference in shares ultimately awarded due to 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, 2024: Grant Year Grant Price Performance Period PSUs Outstanding 2022 $ 44.44 2022 to 2024 48,710 2023 $ 37.17 2023 to 2025 75,893 2024 $ 35.60 2024 to 2026 98,790

Related Party Transactions (Tab

Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2024
Related Party Transactions [Abstract]
Schedule of Loans Analysis to Executive Officers, Certain Management, Bank Directors and Related Interests	An analysis of loans to management, executive officers, the directors and significant shareholders of the Bank and their related interests is presented below: Loans outstanding at January 1, 2024 $ 49,073 New loans and advances 5,041 Change in related party status — Repayments (22,708) Loans outstanding at December 31, 2024 $ 31,406

Basis of Presentation and Sum_4

Basis of Presentation and Summary of Significant Accounting Policies - Narrative (Details)	12 Months Ended
	Dec. 31, 2024 USD ($) facility branch segment loanPortfolioPool	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Number of full-service branches | branch	77
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 facilities to be decommissioned	$ 2,349,000	0	$ 0
Number of facilities to be decommissioned | facility	2
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

Basis of Presentation and Sum_5

Basis of Presentation and Summary of Significant Accounting Policies - Schedule of Basic and Diluted Earnings Per Common Share Calculation (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Basic earnings per common share:
Earnings available to common shareholders	$ 116,035	$ 120,224	$ 124,555
Weighted average basic shares outstanding (in shares)	46,737,217	46,781,214	47,113,470
Basic earnings per common share (in dollars per share)	$ 2.48	$ 2.57	$ 2.64
Diluted earnings per common share:
Earnings available to common shareholders	$ 116,035	$ 120,224	$ 124,555
Weighted average basic shares outstanding (in shares)	46,737,217	46,781,214	47,113,470
Weighted average diluted shares contingently issuable (in shares)	135,408	41,578	126,321
Weighted average diluted shares outstanding (in shares)	46,872,625	46,822,792	47,239,791
Diluted earnings per common share (in dollars per share)	$ 2.48	$ 2.57	$ 2.64
Restricted Stock Units
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Restricted stock units outstanding considered to be antidilutive (in shares)	2,235	172,677	11,888

Investment Securities - Schedul

Investment Securities - Schedule of Amortized Cost of Securities and Fair Values (Details) - USD ($)	Dec. 31, 2024	Dec. 31, 2023
Debt Securities, Available-for-sale [Abstract]
Amortized cost, AFS debt securities	$ 1,679,397,000	$ 1,658,779,000
Gross unrealized gains	585,000	840,000
Gross unrealized losses	(141,974,000)	(187,646,000)
Allowance for credit losses on investments	0	0
Fair Value	1,538,008,000	1,471,973,000
U.S. government agency securities
Debt Securities, Available-for-sale [Abstract]
Amortized cost, AFS debt securities	564,752,000	204,663,000
Gross unrealized gains	172,000	470,000
Gross unrealized losses	(1,917,000)	(1,177,000)
Allowance for credit losses on investments	0	0
Fair Value	563,007,000	203,956,000
Mortgage-backed securities - residential
Debt Securities, Available-for-sale [Abstract]
Amortized cost, AFS debt securities	927,883,000	1,057,389,000
Gross unrealized gains	393,000	0
Gross unrealized losses	(117,277,000)	(160,418,000)
Allowance for credit losses on investments	0	0
Fair Value	810,999,000	896,971,000
Mortgage-backed securities - commercial
Debt Securities, Available-for-sale [Abstract]
Amortized cost, AFS debt securities	15,965,000	18,186,000
Gross unrealized gains	0	0
Gross unrealized losses	(1,108,000)	(1,225,000)
Allowance for credit losses on investments	0	0
Fair Value	14,857,000	16,961,000
Municipal securities
Debt Securities, Available-for-sale [Abstract]
Amortized cost, AFS debt securities	169,498,000	263,312,000
Gross unrealized gains	20,000	370,000
Gross unrealized losses	(21,661,000)	(21,419,000)
Allowance for credit losses on investments	0	0
Fair Value	147,857,000	242,263,000
U.S. Treasury securities
Debt Securities, Available-for-sale [Abstract]
Amortized cost, AFS debt securities	299,000	111,729,000
Gross unrealized gains	0	0
Gross unrealized losses	0	(3,233,000)
Allowance for credit losses on investments	0	0
Fair Value	299,000	108,496,000
Corporate securities
Debt Securities, Available-for-sale [Abstract]
Amortized cost, AFS debt securities	1,000,000	3,500,000
Gross unrealized gains	0	0
Gross unrealized losses	(11,000)	(174,000)
Allowance for credit losses on investments	0	0
Fair Value	$ 989,000	$ 3,326,000

Investment Securities - Narrati

Investment Securities - Narrative (Details)	Dec. 31, 2024 USD ($) security	Dec. 31, 2023 USD ($) security	Dec. 31, 2022 USD ($)
Debt and Equity Securities, FV-NI [Line Items]
Accrued interest receivable	$ 49,611,000	$ 52,715,000
Trade date receivables settled after period end	0	0
Trade date payables settled after period end		0
Allowance for credit losses on investments	$ 0	$ 0
Number of securities in securities portfolio | security	271	439
Number of securities in securities portfolio, unrealized loss position | security	248	370
Equity securities without a readily determinable market value	$ 23,459,000	$ 25,191,000
Federal home loan bank stock	32,749,000	34,190,000
Equity method investment (See Note 2)	19,970,000	10,000,000
Goodwill	242,561,000	242,561,000	$ 242,561,000
Equity Method Investments
Debt and Equity Securities, FV-NI [Line Items]
Goodwill	17,103,000
Collateral Pledged
Debt and Equity Securities, FV-NI [Line Items]
Securities pledged	937,043,000	929,546,000
Debt Securities
Debt and Equity Securities, FV-NI [Line Items]
Accrued interest receivable	$ 6,401,000	$ 7,212,000

Investment Securities - Sched_2

Investment Securities - Schedule of Gross Unrealized Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Debt Securities, Available-for-sale [Abstract]
Fair Value, Less than 12 months	$ 740,244	$ 40,403
Gross Unrealized Loss , Less than 12 months	(13,259)	(169)
Fair Value, 12 months or more	566,013	1,228,463
Gross Unrealized Loss , 12 months or more	(128,715)	(187,477)
Fair Value, Total	1,306,257	1,268,866
Gross Unrealized Loss , Total	(141,974)	(187,646)
U.S. government agency securities
Debt Securities, Available-for-sale [Abstract]
Fair Value, Less than 12 months	494,885	25,923
Gross Unrealized Loss , Less than 12 months	(1,908)	(21)
Fair Value, 12 months or more	714	14,040
Gross Unrealized Loss , 12 months or more	(9)	(1,156)
Fair Value, Total	495,599	39,963
Gross Unrealized Loss , Total	(1,917)	(1,177)
Mortgage-backed securities - residential
Debt Securities, Available-for-sale [Abstract]
Fair Value, Less than 12 months	209,078	0
Gross Unrealized Loss , Less than 12 months	(8,956)	0
Fair Value, 12 months or more	441,502	896,971
Gross Unrealized Loss , 12 months or more	(108,321)	(160,418)
Fair Value, Total	650,580	896,971
Gross Unrealized Loss , Total	(117,277)	(160,418)
Mortgage-backed securities - commercial
Debt Securities, Available-for-sale [Abstract]
Fair Value, Less than 12 months	2,222	0
Gross Unrealized Loss , Less than 12 months	(19)	0
Fair Value, 12 months or more	12,635	16,961
Gross Unrealized Loss , 12 months or more	(1,089)	(1,225)
Fair Value, Total	14,857	16,961
Gross Unrealized Loss , Total	(1,108)	(1,225)
Municipal securities
Debt Securities, Available-for-sale [Abstract]
Fair Value, Less than 12 months	34,059	14,480
Gross Unrealized Loss , Less than 12 months	(2,376)	(148)
Fair Value, 12 months or more	110,173	188,669
Gross Unrealized Loss , 12 months or more	(19,285)	(21,271)
Fair Value, Total	144,232	203,149
Gross Unrealized Loss , Total	(21,661)	(21,419)
U.S. Treasury securities
Debt Securities, Available-for-sale [Abstract]
Fair Value, Less than 12 months		0
Gross Unrealized Loss , Less than 12 months		0
Fair Value, 12 months or more		108,496
Gross Unrealized Loss , 12 months or more		(3,233)
Fair Value, Total		108,496
Gross Unrealized Loss , Total		(3,233)
Corporate securities
Debt Securities, Available-for-sale [Abstract]
Fair Value, Less than 12 months	0	0
Gross Unrealized Loss , Less than 12 months	0	0
Fair Value, 12 months or more	989	3,326
Gross Unrealized Loss , 12 months or more	(11)	(174)
Fair Value, Total	989	3,326
Gross Unrealized Loss , Total	$ (11)	$ (174)

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, 2024	Dec. 31, 2023
Amortized cost
Due in one year or less	$ 849	$ 64,776
Due in one to five years	4,186	75,996
Due in five to ten years	225,954	51,162
Due in over ten years	504,560	391,270
Amortized cost, sub-total	735,549	583,204
Amortized cost, AFS debt securities	1,679,397	1,658,779
Fair Value
Due in one year or less	847	64,279
Due in one to five years	4,600	71,801
Due in five to ten years	222,943	49,630
Due in over ten years	483,762	372,331
Fair value, sub-total	712,152	558,041
Total AFS debt securities	1,538,008	1,471,973
Mortgage-backed securities - residential
Amortized cost
Mortgage-backed securities	927,883	1,057,389
Amortized cost, AFS debt securities	927,883	1,057,389
Fair Value
Mortgage-backed securities	810,999	896,971
Total AFS debt securities	810,999	896,971
Mortgage-backed securities - commercial
Amortized cost
Mortgage-backed securities	15,965	18,186
Amortized cost, AFS debt securities	15,965	18,186
Fair Value
Mortgage-backed securities	14,857	16,961
Total AFS debt securities	$ 14,857	$ 16,961

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, 2024	Dec. 31, 2023	Dec. 31, 2022
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales	$ 526,441	$ 100,463	$ 1,218
Proceeds from maturities, prepayments and calls	299,814	128,206	204,748
Gross realized gains	90	45	4
Gross realized losses	$ 56,468	$ 14,119	$ 3

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, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Past Due [Line Items]
Gross loans	$ 9,602,384	$ 9,408,783
Less: Allowance for credit losses on loans HFI	(151,942)	(150,326)	$ (134,192)	$ (125,559)
Net loans held for investment	9,450,442	9,258,457
Commercial and industrial
Financing Receivable, Past Due [Line Items]
Gross loans	1,691,213	1,720,733
Less: Allowance for credit losses on loans HFI	(16,667)	(19,599)	(11,106)	(15,751)
Construction
Financing Receivable, Past Due [Line Items]
Gross loans	1,087,732	1,397,313
Less: Allowance for credit losses on loans HFI	(31,698)	(35,372)	(39,808)	(28,576)
Residential real estate: | 1-to-4 family mortgage
Financing Receivable, Past Due [Line Items]
Gross loans	1,616,754	1,568,552
Less: Allowance for credit losses on loans HFI	(25,340)	(26,505)	(26,141)	(19,104)
Residential real estate: | Residential line of credit
Financing Receivable, Past Due [Line Items]
Gross loans	602,475	530,912
Less: Allowance for credit losses on loans HFI	(10,952)	(9,468)	(7,494)	(5,903)
Residential real estate: | Multi-family mortgage
Financing Receivable, Past Due [Line Items]
Gross loans	653,769	603,804
Less: Allowance for credit losses on loans HFI	(10,512)	(8,842)	(6,490)	(6,976)
Commercial real estate: | Owner-occupied
Financing Receivable, Past Due [Line Items]
Gross loans	1,357,568	1,232,071
Less: Allowance for credit losses on loans HFI	(11,993)	(10,653)	(7,783)	(12,593)
Commercial real estate: | Non-owner occupied
Financing Receivable, Past Due [Line Items]
Gross loans	2,099,129	1,943,525
Less: Allowance for credit losses on loans HFI	(25,531)	(22,965)	(21,916)	(25,768)
Consumer and other
Financing Receivable, Past Due [Line Items]
Gross loans	493,744	411,873
Less: Allowance for credit losses on loans HFI	$ (19,249)	$ (16,922)	$ (13,454)	$ (10,888)

Loans and Allowance for Credi_4

Loans and Allowance for Credit Losses on Loans HFI - Narrative (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($) loan	Dec. 31, 2022 USD ($)
Financing Receivable, Past Due [Line Items]
Collateral securing line of credit	$ 2,608,687	$ 3,014,023
Accrued interest receivable on loans	40,970	43,776
Accrued interest receivable written off as an adjustment to interest income on non-accrual loans	706	1,094	$ 1,089
Term extensions for borrowers	30	0
Financial Difficulty Modification
Financing Receivable, Past Due [Line Items]
Commitment to lend additional amounts to troubled debt restructuring	1	$ 0
Residential Mortgage Loans
Financing Receivable, Past Due [Line Items]
Number modified of mortgage loans | loan		3
Term extensions for borrowers		$ 160
Commercial and Industrial Loan
Financing Receivable, Past Due [Line Items]
Number modified of mortgage loans | loan		1
Term extensions for borrowers		$ 181
Commercial and Industrial Loan | Federal Reserve Bank
Financing Receivable, Past Due [Line Items]
Deposit liabilities, collateral issued, financial instruments	2,561,352	3,107,495
1-to-4 family mortgage | Residential real estate | Term extension
Financing Receivable, Past Due [Line Items]
Term extensions for borrowers	1,474
FHLB Cincinnati | Residential Mortgage Loans
Financing Receivable, Past Due [Line Items]
Collateral securing line of credit	988,177	1,030,016
FHLB Cincinnati | Commercial Loan
Financing Receivable, Past Due [Line Items]
Collateral securing line of credit	$ 1,620,510	$ 1,984,007

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, 2024	Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	$ 9,602,384	$ 9,408,783
Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	196,869	226,191
2023-2022	185,277	278,121
2022-2021	156,882	157,650
2021-2020	61,161	42,924
2020-2019	31,679	70,707
Prior	112,452	79,652
Revolving Loans Amortized Cost Basis	946,893	865,488
Total	1,691,213	1,720,733
Current and prior-period gross charge-offs, 2024-2023	0	14
Current and prior-period gross charge-offs, -2023-2022	116	7
Current and prior-period gross charge-offs, 2022-2021	950	201
Current and prior-period gross charge-offs, 2021-2020	506	22
Current and prior-period gross charge-offs, 2020-2019	1,234	0
Current and prior-period gross charge-offs, prior	7	87
Revolving Loans Amortized Cost Basis	8,267	131
Total	11,080	462
Commercial and industrial | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	194,185	225,734
2023-2022	182,677	255,921
2022-2021	130,148	151,492
2021-2020	56,460	39,897
2020-2019	29,735	70,302
Prior	104,236	73,415
Revolving Loans Amortized Cost Basis	909,398	839,918
Total	1,606,839	1,656,679
Commercial and industrial | Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	2,684	0
2023-2022	2,425	17,947
2022-2021	7,609	3,083
2021-2020	277	0
2020-2019	285	151
Prior	2,015	108
Revolving Loans Amortized Cost Basis	24,345	7,549
Total	39,640	28,838
Commercial and industrial | Classified
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	0	457
2023-2022	175	4,253
2022-2021	19,125	3,075
2021-2020	4,424	3,027
2020-2019	1,659	254
Prior	6,201	6,129
Revolving Loans Amortized Cost Basis	13,150	18,021
Total	44,734	35,216
Construction
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	190,214	179,930
2023-2022	116,209	684,395
2022-2021	372,462	152,739
2021-2020	99,904	54,519
2020-2019	35,961	39,140
Prior	54,675	50,644
Revolving Loans Amortized Cost Basis	218,307	235,946
Total	1,087,732	1,397,313
Current and prior-period gross charge-offs, 2024-2023	0	0
Current and prior-period gross charge-offs, -2023-2022	0	0
Current and prior-period gross charge-offs, 2022-2021	122	0
Current and prior-period gross charge-offs, 2021-2020	0	0
Current and prior-period gross charge-offs, 2020-2019	0	0
Current and prior-period gross charge-offs, prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Total	122	0
Construction | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	190,058	179,929
2023-2022	116,122	677,387
2022-2021	349,716	148,312
2021-2020	99,225	46,697
2020-2019	27,616	39,140
Prior	54,099	49,954
Revolving Loans Amortized Cost Basis	199,596	208,491
Total	1,036,432	1,349,910
Construction | Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	156	1
2023-2022	87	4,659
2022-2021	15,432	2,943
2021-2020	389	1,202
2020-2019	10	0
Prior	576	690
Revolving Loans Amortized Cost Basis	0	12,000
Total	16,650	21,495
Construction | Classified
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	0	0
2023-2022	0	2,349
2022-2021	7,314	1,484
2021-2020	290	6,620
2020-2019	8,335	0
Prior	0	0
Revolving Loans Amortized Cost Basis	18,711	15,455
Total	34,650	25,908
Residential real estate: | Multi-family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	40,076	29,982
2023-2022	3,800	151,495
2022-2021	232,415	223,889
2021-2020	232,995	92,745
2020-2019	51,948	29,933
Prior	70,652	44,551
Revolving Loans Amortized Cost Basis	21,883	31,209
Total	653,769	603,804
Current and prior-period gross charge-offs, 2024-2023	0	0
Current and prior-period gross charge-offs, -2023-2022	0	0
Current and prior-period gross charge-offs, 2022-2021	0	0
Current and prior-period gross charge-offs, 2021-2020	0	0
Current and prior-period gross charge-offs, 2020-2019	0	0
Current and prior-period gross charge-offs, prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Total	0	0
Residential real estate: | Multi-family mortgage | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	40,076	29,982
2023-2022	3,800	151,495
2022-2021	232,415	223,889
2021-2020	223,076	92,745
2020-2019	51,948	29,933
Prior	69,652	43,479
Revolving Loans Amortized Cost Basis	21,883	31,209
Total	642,850	602,732
Residential real estate: | Multi-family mortgage | Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	0	0
2023-2022	0	0
2022-2021	0	0
2021-2020	0	0
2020-2019	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]
2024-2023	0	0
2023-2022	0	0
2022-2021	0	0
2021-2020	9,919	0
2020-2019	0	0
Prior	1,000	1,072
Revolving Loans Amortized Cost Basis	0	0
Total	10,919	1,072
Residential real estate: | 1-to-4 family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	223,547	198,613
2023-2022	166,336	503,193
2022-2021	450,626	403,364
2021-2020	366,545	149,330
2020-2019	133,866	82,595
Prior	275,834	231,457
Revolving Loans Amortized Cost Basis	0	0
Total	1,616,754	1,568,552
Current and prior-period gross charge-offs, 2024-2023	10	0
Current and prior-period gross charge-offs, -2023-2022	54	18
Current and prior-period gross charge-offs, 2022-2021	150	0
Current and prior-period gross charge-offs, 2021-2020	130	4
Current and prior-period gross charge-offs, 2020-2019	67	0
Current and prior-period gross charge-offs, prior	28	24
Revolving Loans Amortized Cost Basis	0	0
Total	439	46
Residential real estate: | 1-to-4 family mortgage | Performing
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	223,520	198,537
2023-2022	165,395	500,628
2022-2021	443,372	399,338
2021-2020	360,188	145,484
2020-2019	129,674	81,905
Prior	266,661	226,587
Revolving Loans Amortized Cost Basis	0	0
Total	1,588,810	1,552,479
Residential real estate: | 1-to-4 family mortgage | Nonperforming
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	27	76
2023-2022	941	2,565
2022-2021	7,254	4,026
2021-2020	6,357	3,846
2020-2019	4,192	690
Prior	9,173	4,870
Revolving Loans Amortized Cost Basis	0	0
Total	27,944	16,073
Residential real estate: | Residential line of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	0	0
2023-2022	0	0
2022-2021	0	0
2021-2020	0	0
2020-2019	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	602,475	530,912
Total	602,475	530,912
Current and prior-period gross charge-offs, 2024-2023	0	0
Current and prior-period gross charge-offs, -2023-2022	0	0
Current and prior-period gross charge-offs, 2022-2021	0	0
Current and prior-period gross charge-offs, 2021-2020	0	0
Current and prior-period gross charge-offs, 2020-2019	0	0
Current and prior-period gross charge-offs, prior	0	0
Revolving Loans Amortized Cost Basis	73	0
Total	73	0
Residential real estate: | Residential line of credit | Performing
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	0	0
2023-2022	0	0
2022-2021	0	0
2021-2020	0	0
2020-2019	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	600,581	528,439
Total	600,581	528,439
Residential real estate: | Residential line of credit | Nonperforming
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	0	0
2023-2022	0	0
2022-2021	0	0
2021-2020	0	0
2020-2019	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	1,894	2,473
Total	1,894	2,473
Commercial real estate: | Owner-occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	185,416	118,030
2023-2022	103,060	268,798
2022-2021	254,743	233,084
2021-2020	218,615	115,397
2020-2019	102,641	152,060
Prior	407,792	289,659
Revolving Loans Amortized Cost Basis	85,301	55,043
Total	1,357,568	1,232,071
Current and prior-period gross charge-offs, 2024-2023	0	0
Current and prior-period gross charge-offs, -2023-2022	0	0
Current and prior-period gross charge-offs, 2022-2021	0	144
Current and prior-period gross charge-offs, 2021-2020	0	0
Current and prior-period gross charge-offs, 2020-2019	0	0
Current and prior-period gross charge-offs, prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Total	0	144
Commercial real estate: | Owner-occupied | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	185,416	118,030
2023-2022	103,060	261,196
2022-2021	247,049	231,241
2021-2020	215,798	115,397
2020-2019	102,580	151,146
Prior	396,288	281,253
Revolving Loans Amortized Cost Basis	84,226	53,970
Total	1,334,417	1,212,233
Commercial real estate: | Owner-occupied | Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	0	0
2023-2022	0	1,297
2022-2021	1,370	1,827
2021-2020	2,582	0
2020-2019	0	154
Prior	6,133	2,617
Revolving Loans Amortized Cost Basis	0	0
Total	10,085	5,895
Commercial real estate: | Owner-occupied | Classified
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	0	0
2023-2022	0	6,305
2022-2021	6,324	16
2021-2020	235	0
2020-2019	61	760
Prior	5,371	5,789
Revolving Loans Amortized Cost Basis	1,075	1,073
Total	13,066	13,943
Commercial real estate: | Non-owner occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	198,591	47,026
2023-2022	40,863	474,560
2022-2021	526,417	483,854
2021-2020	447,261	117,429
2020-2019	111,943	178,829
Prior	715,799	598,250
Revolving Loans Amortized Cost Basis	58,255	43,577
Total	2,099,129	1,943,525
Current and prior-period gross charge-offs, 2024-2023	0	0
Current and prior-period gross charge-offs, -2023-2022	0	0
Current and prior-period gross charge-offs, 2022-2021	0	0
Current and prior-period gross charge-offs, 2021-2020	0	0
Current and prior-period gross charge-offs, 2020-2019	0	0
Current and prior-period gross charge-offs, prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Total	0	0
Commercial real estate: | Non-owner occupied | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	198,591	47,026
2023-2022	36,027	474,560
2022-2021	526,417	478,878
2021-2020	445,598	117,429
2020-2019	111,943	178,448
Prior	689,158	580,168
Revolving Loans Amortized Cost Basis	58,255	43,577
Total	2,065,989	1,920,086
Commercial real estate: | Non-owner occupied | Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	0	0
2023-2022	4,836	0
2022-2021	0	3,975
2021-2020	1,527	0
2020-2019	0	0
Prior	19,311	10,435
Revolving Loans Amortized Cost Basis	0	0
Total	25,674	14,410
Commercial real estate: | Non-owner occupied | Classified
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	0	0
2023-2022	0	0
2022-2021	0	1,001
2021-2020	136	0
2020-2019	0	381
Prior	7,330	7,647
Revolving Loans Amortized Cost Basis	0	0
Total	7,466	9,029
Consumer and other
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	140,984	104,927
2023-2022	95,566	92,582
2022-2021	77,972	47,749
2021-2020	38,646	36,747
2020-2019	31,935	25,304
Prior	107,988	97,674
Revolving Loans Amortized Cost Basis	653	6,890
Total	493,744	411,873
Current and prior-period gross charge-offs, 2024-2023	1,593	1,463
Current and prior-period gross charge-offs, -2023-2022	511	564
Current and prior-period gross charge-offs, 2022-2021	302	139
Current and prior-period gross charge-offs, 2021-2020	278	201
Current and prior-period gross charge-offs, 2020-2019	69	110
Current and prior-period gross charge-offs, prior	298	372
Revolving Loans Amortized Cost Basis	0	2
Total	3,051	2,851
Consumer and other | Performing
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	139,684	104,399
2023-2022	93,817	91,557
2022-2021	76,286	45,187
2021-2020	35,507	34,928
2020-2019	29,387	24,040
Prior	102,233	93,833
Revolving Loans Amortized Cost Basis	652	6,890
Total	477,566	400,834
Consumer and other | Nonperforming
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	1,300	528
2023-2022	1,749	1,025
2022-2021	1,686	2,562
2021-2020	3,139	1,819
2020-2019	2,548	1,264
Prior	5,755	3,841
Revolving Loans Amortized Cost Basis	1	0
Total	16,178	11,039
Total consumer type loans
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	364,531	303,540
2023-2022	261,902	595,775
2022-2021	528,598	451,113
2021-2020	405,191	186,077
2020-2019	165,801	107,899
Prior	383,822	329,131
Revolving Loans Amortized Cost Basis	603,128	537,802
Total	2,712,973	2,511,337
Current and prior-period gross charge-offs, 2024-2023	1,603	1,463
Current and prior-period gross charge-offs, -2023-2022	565	582
Current and prior-period gross charge-offs, 2022-2021	452	139
Current and prior-period gross charge-offs, 2021-2020	408	205
Current and prior-period gross charge-offs, 2020-2019	136	110
Current and prior-period gross charge-offs, prior	326	396
Revolving Loans Amortized Cost Basis	73	2
Total	3,563	2,897
Total consumer type loans | Performing
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	363,204	302,936
2023-2022	259,212	592,185
2022-2021	519,658	444,525
2021-2020	395,695	180,412
2020-2019	159,061	105,945
Prior	368,894	320,420
Revolving Loans Amortized Cost Basis	601,233	535,329
Total	2,666,957	2,481,752
Total consumer type loans | Nonperforming
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	1,327	604
2023-2022	2,690	3,590
2022-2021	8,940	6,588
2021-2020	9,496	5,665
2020-2019	6,740	1,954
Prior	14,928	8,711
Revolving Loans Amortized Cost Basis	1,895	2,473
Total	46,016	29,585
Total Commercial Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	811,166	601,159
2023-2022	449,209	1,857,369
2022-2021	1,542,919	1,251,216
2021-2020	1,059,936	423,014
2020-2019	334,172	470,669
Prior	1,361,370	1,062,756
Revolving Loans Amortized Cost Basis	1,330,639	1,231,263
Total	6,889,411	6,897,446
Current and prior-period gross charge-offs, 2024-2023	0	14
Current and prior-period gross charge-offs, -2023-2022	116	7
Current and prior-period gross charge-offs, 2022-2021	1,072	345
Current and prior-period gross charge-offs, 2021-2020	506	22
Current and prior-period gross charge-offs, 2020-2019	1,234	0
Current and prior-period gross charge-offs, prior	7	87
Revolving Loans Amortized Cost Basis	8,267	131
Total	11,202	606
Total Commercial Loans | Pass
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	808,326	600,701
2023-2022	441,686	1,820,559
2022-2021	1,485,745	1,233,812
2021-2020	1,040,157	412,165
2020-2019	323,822	468,969
Prior	1,313,433	1,028,269
Revolving Loans Amortized Cost Basis	1,273,358	1,177,165
Total	6,686,527	6,741,640
Total Commercial Loans | Special Mention
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	2,840	1
2023-2022	7,348	23,903
2022-2021	24,411	11,828
2021-2020	4,775	1,202
2020-2019	295	305
Prior	28,035	13,850
Revolving Loans Amortized Cost Basis	24,345	19,549
Total	92,049	70,638
Total Commercial Loans | Classified
Financing Receivable, Allowance for Credit Loss [Line Items]
2024-2023	0	457
2023-2022	175	12,907
2022-2021	32,763	5,576
2021-2020	15,004	9,647
2020-2019	10,055	1,395
Prior	19,902	20,637
Revolving Loans Amortized Cost Basis	32,936	34,549
Total	$ 110,835	$ 85,168

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, 2024	Dec. 31, 2023
Financing Receivable, Past Due [Line Items]
Loans held for investment	$ 9,602,384	$ 9,408,783
90 days or  more and accruing interest	24,347	12,693
Nonaccrual loans	59,358	48,230
30-89 days past due and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	47,855	47,043
Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	9,470,824	9,300,817
Commercial and industrial
Financing Receivable, Past Due [Line Items]
Loans held for investment	1,691,213	1,720,733
90 days or  more and accruing interest	730	0
Nonaccrual loans	9,661	21,730
Commercial and industrial | 30-89 days past due and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	1,204	732
Commercial and industrial | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	1,679,618	1,698,271
Construction
Financing Receivable, Past Due [Line Items]
Loans held for investment	1,087,732	1,397,313
90 days or  more and accruing interest	538	165
Nonaccrual loans	10,915	2,872
Construction | 30-89 days past due and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	3,288	6,579
Construction | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	1,072,991	1,387,697
Residential real estate: | 1-to-4 family mortgage
Financing Receivable, Past Due [Line Items]
Loans held for investment	1,616,754	1,568,552
90 days or  more and accruing interest	15,319	9,355
Nonaccrual loans	12,625	6,718
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	24,376	21,768
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	1,564,434	1,530,711
Residential real estate: | Residential line of credit
Financing Receivable, Past Due [Line Items]
Loans held for investment	602,475	530,912
90 days or  more and accruing interest	357	1,337
Nonaccrual loans	1,537	1,136
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	2,302	2,464
Residential real estate: | Residential line of credit | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	598,279	525,975
Residential real estate: | Multi-family mortgage
Financing Receivable, Past Due [Line Items]
Loans held for investment	653,769	603,804
90 days or  more and accruing interest	0	0
Nonaccrual loans	21	32
Residential real estate: | Multi-family mortgage | 30-89 days past due and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	979	0
Residential real estate: | Multi-family mortgage | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	652,769	603,772
Commercial real estate: | Owner-occupied
Financing Receivable, Past Due [Line Items]
Loans held for investment	1,357,568	1,232,071
90 days or  more and accruing interest	94	0
Nonaccrual loans	9,551	3,188
Commercial real estate: | Owner-occupied | 30-89 days past due and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	1,996	480
Commercial real estate: | Owner-occupied | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	1,345,927	1,228,403
Commercial real estate: | Non-owner occupied
Financing Receivable, Past Due [Line Items]
Loans held for investment	2,099,129	1,943,525
90 days or  more and accruing interest	3,512	0
Nonaccrual loans	2,667	3,351
Commercial real estate: | Non-owner occupied | 30-89 days past due and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	0	4,059
Commercial real estate: | Non-owner occupied | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	2,092,950	1,936,115
Consumer and other
Financing Receivable, Past Due [Line Items]
Loans held for investment	493,744	411,873
90 days or  more and accruing interest	3,797	1,836
Nonaccrual loans	12,381	9,203
Consumer and other | 30-89 days past due and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	13,710	10,961
Consumer and other | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment	$ 463,856	$ 389,873

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, 2024	Dec. 31, 2023
Financing Receivable, Past Due [Line Items]
Nonaccrual with no related allowance	$ 17,296	$ 14,310
Nonaccrual with related allowance	42,062	33,920
Related allowance	4,587	5,696
Year to date Interest Income	1,459	6,128
Commercial and industrial
Financing Receivable, Past Due [Line Items]
Nonaccrual with no related allowance	5,294	3,678
Nonaccrual with related allowance	4,367	18,052
Related allowance	2,177	5,011
Year to date Interest Income	641	2,451
Construction
Financing Receivable, Past Due [Line Items]
Nonaccrual with no related allowance	1,653	2,267
Nonaccrual with related allowance	9,262	605
Related allowance	1,383	59
Year to date Interest Income	456	335
Residential real estate: | 1-to-4 family mortgage
Financing Receivable, Past Due [Line Items]
Nonaccrual with no related allowance	1,562	1,444
Nonaccrual with related allowance	11,063	5,274
Related allowance	211	103
Year to date Interest Income	57	410
Residential real estate: | Residential line of credit
Financing Receivable, Past Due [Line Items]
Nonaccrual with no related allowance	148	685
Nonaccrual with related allowance	1,389	451
Related allowance	26	8
Year to date Interest Income	69	141
Residential real estate: | Multi-family mortgage
Financing Receivable, Past Due [Line Items]
Nonaccrual with no related allowance	0	0
Nonaccrual with related allowance	21	32
Related allowance	1	1
Year to date Interest Income	1	3
Commercial real estate: | Owner-occupied
Financing Receivable, Past Due [Line Items]
Nonaccrual with no related allowance	6,415	2,920
Nonaccrual with related allowance	3,136	268
Related allowance	137	15
Year to date Interest Income	144	514
Commercial real estate: | Non-owner occupied
Financing Receivable, Past Due [Line Items]
Nonaccrual with no related allowance	2,224	3,316
Nonaccrual with related allowance	443	35
Related allowance	6	1
Year to date Interest Income	91	1,221
Consumer and other
Financing Receivable, Past Due [Line Items]
Nonaccrual with no related allowance	0	0
Nonaccrual with related allowance	12,381	9,203
Related allowance	646	498
Year to date Interest Income	$ 0	$ 1,053

Loans and Allowance for Credi_8

Loans and Allowance for Credit Losses on Loans HFI - Modifications of Outstanding Balance (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($)
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 11,001
% of total class of financing receivables	0.10%
Term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 64
Payment deferral and term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	8,832
Interest rate reduction and term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	97
Payment deferral, interest rate reduction, and term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	2,008
Commercial and industrial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 5,052
% of total class of financing receivables	0.30%
Commercial and industrial | Term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 0
Commercial and industrial | Payment deferral and term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	5,052
Commercial and industrial | Interest rate reduction and term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Commercial and industrial | Payment deferral, interest rate reduction, and term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Construction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 2,008
% of total class of financing receivables	0.20%
Construction | Term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 0
Construction | Payment deferral and term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Construction | Interest rate reduction and term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Construction | Payment deferral, interest rate reduction, and term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	2,008
Residential real estate | 1-to-4 family mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 3,780
% of total class of financing receivables	0.20%
Residential real estate | 1-to-4 family mortgage | Term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 0
Residential real estate | 1-to-4 family mortgage | Payment deferral and term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	3,780
Residential real estate | 1-to-4 family mortgage | Interest rate reduction and term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Residential real estate | 1-to-4 family mortgage | Payment deferral, interest rate reduction, and term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Residential real estate | Residential line of credit
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 28
% of total class of financing receivables	0%
Residential real estate | Residential line of credit | Term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 28
Residential real estate | Residential line of credit | Payment deferral and term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Residential real estate | Residential line of credit | Interest rate reduction and term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Residential real estate | Residential line of credit | Payment deferral, interest rate reduction, and term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Consumer and other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 133
% of total class of financing receivables	0%
Consumer and other | Term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 36
Consumer and other | Payment deferral and term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Consumer and other | Interest rate reduction and term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	97
Consumer and other | Payment deferral, interest rate reduction, and term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 0

Loans and Allowance for Credi_9

Loans and Allowance for Credit Losses on Loans HFI - Financial Effects of Loan Modifications (Details)	12 Months Ended
	Dec. 31, 2024
Commercial and industrial | Term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted average of loans (in years)	12 months
Commercial and industrial | Payment deferral
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted average of loans (in years)	12 months
Weighted average interest rate reduction	0%
Construction | Term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted average of loans (in years)	360 months
Construction | Payment deferral
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted average of loans (in years)	5 months
Weighted average interest rate reduction	0.10%
Residential real estate | Term extension | 1-to-4 family mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted average of loans (in years)	147 months
Residential real estate | Term extension | Residential line of credit
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted average of loans (in years)	120 months
Residential real estate | Payment deferral | 1-to-4 family mortgage
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted average of loans (in years)	4 months
Weighted average interest rate reduction	0%
Residential real estate | Payment deferral | Residential line of credit
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted average of loans (in years)	0 months
Weighted average interest rate reduction	0%
Consumer and other | Term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted average of loans (in years)	25 months
Consumer and other | Payment deferral
Financing Receivable, Troubled Debt Restructuring [Line Items]
Weighted average of loans (in years)	0 months
Weighted average interest rate reduction	1.49%

Loans and Allowance for Cred_10

Loans and Allowance for Credit Losses on Loans HFI - Payment Status Recorded Investment (Details) $ in Thousands	Dec. 31, 2024 USD ($)
Financing Receivable, Past Due [Line Items]
Loans held for investment, modified	$ 11,001
Nonaccrual loans	7,060
30-89 days past due and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment, modified	14
90 days or  more and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment, modified	332
Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment, modified	3,595
Commercial and industrial
Financing Receivable, Past Due [Line Items]
Loans held for investment, modified	5,052
Nonaccrual loans	5,052
Commercial and industrial | 30-89 days past due and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment, modified	0
Commercial and industrial | 90 days or  more and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment, modified	0
Commercial and industrial | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment, modified	0
Construction
Financing Receivable, Past Due [Line Items]
Loans held for investment, modified	2,008
Nonaccrual loans	2,008
Construction | 30-89 days past due and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment, modified	0
Construction | 90 days or  more and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment, modified	0
Construction | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment, modified	0
Residential real estate: | 1-to-4 family mortgage
Financing Receivable, Past Due [Line Items]
Loans held for investment, modified	3,780
Nonaccrual loans	0
Residential real estate: | Residential line of credit
Financing Receivable, Past Due [Line Items]
Loans held for investment, modified	28
Nonaccrual loans	0
Residential real estate: | 30-89 days past due and accruing interest | 1-to-4 family mortgage
Financing Receivable, Past Due [Line Items]
Loans held for investment, modified	0
Residential real estate: | 30-89 days past due and accruing interest | Residential line of credit
Financing Receivable, Past Due [Line Items]
Loans held for investment, modified	0
Residential real estate: | 90 days or  more and accruing interest | 1-to-4 family mortgage
Financing Receivable, Past Due [Line Items]
Loans held for investment, modified	316
Residential real estate: | 90 days or  more and accruing interest | Residential line of credit
Financing Receivable, Past Due [Line Items]
Loans held for investment, modified	0
Residential real estate: | Loans current on payments and accruing interest | 1-to-4 family mortgage
Financing Receivable, Past Due [Line Items]
Loans held for investment, modified	3,464
Residential real estate: | Loans current on payments and accruing interest | Residential line of credit
Financing Receivable, Past Due [Line Items]
Loans held for investment, modified	28
Consumer and other
Financing Receivable, Past Due [Line Items]
Loans held for investment, modified	133
Nonaccrual loans	0
Consumer and other | 30-89 days past due and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment, modified	14
Consumer and other | 90 days or  more and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment, modified	16
Consumer and other | Loans current on payments and accruing interest
Financing Receivable, Past Due [Line Items]
Loans held for investment, modified	$ 103

Loans and Allowance for Cred_11

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, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	$ 151,942	$ 150,326	$ 134,192	$ 125,559
Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	16,667	19,599	11,106	15,751
Construction
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	31,698	35,372	39,808	28,576
Residential real estate: | 1-to-4 family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	25,340	26,505	26,141	19,104
Residential real estate: | Residential line of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	10,952	9,468	7,494	5,903
Residential real estate: | Multi-family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	10,512	8,842	6,490	6,976
Commercial real estate: | Owner-occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	11,993	10,653	7,783	12,593
Commercial real estate: | Non-owner occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	25,531	22,965	21,916	25,768
Consumer and other
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	19,249	16,922	$ 13,454	$ 10,888
Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	40,843	20,189
Real Estate | Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	0	0
Real Estate | Construction
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	22,047	8,224
Real Estate | Residential real estate: | 1-to-4 family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	1,843	5,317
Real Estate | Residential real estate: | Residential line of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	148	1,245
Real Estate | Residential real estate: | Multi-family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	9,919
Real Estate | Commercial real estate: | Owner-occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	0	1,975
Real Estate | Commercial real estate: | Non-owner occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	6,886	3,316
Real Estate | Consumer and other
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral		112
Farmland
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	8,068	1,523
Farmland | Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	0	363
Farmland | Construction
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	1,653	0
Farmland | Residential real estate: | 1-to-4 family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	0	0
Farmland | Residential real estate: | Residential line of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	0	0
Farmland | Residential real estate: | Multi-family mortgage
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	6,415	1,160
Farmland | Commercial real estate: | Non-owner occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	0	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	8,492	20,599
Business Assets | Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	8,492	20,599
Business Assets | Construction
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	0	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 | Residential real estate: | Multi-family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	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
Total
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	57,403	42,311
Total | Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	8,492	20,962
Total | Construction
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	23,700	8,224
Total | Residential real estate: | 1-to-4 family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	1,843	5,317
Total | Residential real estate: | Residential line of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	148	1,245
Total | Residential real estate: | Multi-family mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	9,919
Total | Commercial real estate: | Owner-occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	6,415	3,135
Total | Commercial real estate: | Non-owner occupied
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral	$ 6,886	3,316
Total | Consumer and other
Financing Receivable, Allowance for Credit Loss [Line Items]
Type of Collateral		$ 112

Loans and Allowance for Cred_12

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, 2024	Dec. 31, 2023	Dec. 31, 2022
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	$ 150,326	$ 134,192	$ 125,559
Provision for (reversal of) credit losses on loans HFI	14,667	16,738	10,393
Recoveries of loans previously charged-off	1,714	2,899	2,941
Loans charged off	(14,765)	(3,503)	(4,701)
Balance at end of period	151,942	150,326	134,192
Commercial and industrial
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	19,599	11,106	15,751
Provision for (reversal of) credit losses on loans HFI	7,720	8,682	(4,563)
Recoveries of loans previously charged-off	428	273	2,005
Loans charged off	(11,080)	(462)	(2,087)
Balance at end of period	16,667	19,599	11,106
Construction
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	35,372	39,808	28,576
Provision for (reversal of) credit losses on loans HFI	(3,552)	(4,446)	11,221
Recoveries of loans previously charged-off	0	10	11
Loans charged off	(122)	0	0
Balance at end of period	31,698	35,372	39,808
Residential real estate: | 1-to-4 family mortgage
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	26,505	26,141	19,104
Provision for (reversal of) credit losses on loans HFI	(810)	310	7,060
Recoveries of loans previously charged-off	84	100	54
Loans charged off	(439)	(46)	(77)
Balance at end of period	25,340	26,505	26,141
Residential real estate: | Residential line of credit
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	9,468	7,494	5,903
Provision for (reversal of) credit losses on loans HFI	1,539	1,973	1,574
Recoveries of loans previously charged-off	18	1	17
Loans charged off	(73)	0	0
Balance at end of period	10,952	9,468	7,494
Residential real estate: | Multi-family mortgage
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	8,842	6,490	6,976
Provision for (reversal of) credit losses on loans HFI	1,670	2,352	(486)
Recoveries of loans previously charged-off	0	0	0
Loans charged off	0	0	0
Balance at end of period	10,512	8,842	6,490
Commercial real estate: | Owner-occupied
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	10,653	7,783	12,593
Provision for (reversal of) credit losses on loans HFI	1,095	2,905	(4,883)
Recoveries of loans previously charged-off	245	109	88
Loans charged off	0	(144)	(15)
Balance at end of period	11,993	10,653	7,783
Commercial real estate: | Non-owner occupied
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	22,965	21,916	25,768
Provision for (reversal of) credit losses on loans HFI	2,566	(784)	(3,584)
Recoveries of loans previously charged-off	0	1,833	0
Loans charged off	0	0	(268)
Balance at end of period	25,531	22,965	21,916
Consumer and other
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of period	16,922	13,454	10,888
Provision for (reversal of) credit losses on loans HFI	4,439	5,746	4,054
Recoveries of loans previously charged-off	939	573	766
Loans charged off	(3,051)	(2,851)	(2,254)
Balance at end of period	$ 19,249	$ 16,922	$ 13,454

Premises and Equipment - Schedu

Premises and Equipment - Schedule of Premises and Equipment and Related Accumulated Depreciation (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Property, Plant and Equipment [Line Items]
Finance lease	$ 1,145	$ 1,256
Premises and equipment and finance lease, gross	207,435	207,388
Less: accumulated depreciation and amortization	(58,536)	(51,657)
Total premises and equipment	148,899	155,731
Land
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	36,790	35,092
Premises
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	107,865	112,092
Furniture, fixtures and equipment
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	26,978	25,734
Leasehold improvements
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	32,029	28,271
Construction in process
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	$ 2,628	$ 4,943

Premises and Equipment - Narrat

Premises and Equipment - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Property, Plant and Equipment [Abstract]
Depreciation and amortization expense	$ 10,363	$ 9,797	$ 7,554

Other Real Estate Owned - Sched

Other Real Estate Owned - Schedule of Other Real Estate Owned (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Other Real Estate [Roll Forward]
Balance at beginning of period	$ 3,192	$ 5,794	$ 9,777
Transfers from loans	3,458	2,736	1,437
Transfers to other assets	0	(75)	0
Transfers to premises and equipment	0	0	(351)
Proceeds from sale of other real estate owned	(2,323)	(6,083)	(4,955)
Gain on sale of other real estate owned	82	835	328
Write-downs and partial liquidations	0	(15)	(442)
Balance at end of period	$ 4,409	$ 3,192	$ 5,794

Other Real Estate Owned - Narra

Other Real Estate Owned - Narrative (Details) - Residential Real Estate Properties - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Real Estate Properties [Line Items]
Foreclosed residential real estate properties	$ 2,880	$ 2,414
Total foreclosure proceedings in process	$ 7,652	$ 3,377

Goodwill and Intangible Asset_2

Goodwill and Intangible Assets - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
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	$ 2,947,000	$ 3,659,000	$ 4,585,000

Goodwill and Intangible Asset_3

Goodwill and Intangible Assets - Schedule of Core Deposit and Other Intangibles (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	$ 61,435	$ 61,435
Accumulated Amortization	(55,673)	(52,726)
Net Carrying Amount	5,762	8,709
Core deposit intangible
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	59,835	59,835
Accumulated Amortization	(54,486)	(51,699)
Net Carrying Amount	5,349	8,136
Customer base trust intangible
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	1,600	1,600
Accumulated Amortization	(1,187)	(1,027)
Net Carrying Amount	$ 413	$ 573

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, 2024	Dec. 31, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
2025	$ 2,306
2026	1,563
2027	1,080
2028	572
2029	211
Thereafter	30
Net Carrying Amount	$ 5,762	$ 8,709

Leases - Narrative (Details)

Leases - Narrative (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 lease	Dec. 31, 2022 USD ($)
Lessee, Lease, Description [Line Items]
Lessee, number of operating leases | lease	47
Lessee, number of finance leases | lease	1
Loss on modification and termination of lease | $		$ 364
Gain on modification and termination of lease | $		$ (18)
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, 2024	Dec. 31, 2023
Leases [Abstract]
Operating leases	$ 47,963	$ 54,295
Finance leases	1,145	1,256
Total right-of-use assets	49,108	55,551
Operating leases	60,024	67,643
Finance leases	1,229	1,326
Total lease liabilities	$ 61,253	$ 68,969
Weighted average remaining lease term (in years) - operating	11 years	11 years 7 months 6 days
Weighted average remaining lease term (in years) - finance	10 years 4 months 24 days	11 years 4 months 24 days
Weighted average discount rate - operating	3.47%	3.39%
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) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($) branch	Dec. 31, 2022 USD ($) banking_location
Leases [Abstract]
Amortization of right-of-use asset	$ 6,962	$ 8,516	$ 8,441
Short-term lease cost	371	540	526
Variable lease cost	1,335	1,205	1,078
Loss on lease modifications and terminations	0	1,770	346
Interest on lease liabilities	22	24	28
Amortization of right-of-use asset	111	111	120
Sublease income	(522)	(957)	(993)
Total lease cost	$ 8,279	$ 11,209	9,546
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)

Leases - Schedule of Maturity A

Leases - Schedule of Maturity Analysis of Operating and Finance Lease Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Operating Leases
September 30, 2025	$ 8,562
September 30, 2026	8,309
September 30, 2027	7,849
September 30, 2028	6,957
September 30, 2029	5,897
Thereafter	35,828
Total undiscounted future minimum lease payments	73,402
Less: imputed interest	(13,378)
Operating leases	60,024	$ 67,643
Finance Lease
September 30, 2025	121
September 30, 2026	123
September 30, 2027	125
September 30, 2028	127
September 30, 2029	129
Thereafter	721
Total undiscounted future minimum lease payments	1,346
Less: imputed interest	(117)
Finance leases	$ 1,229	$ 1,326

Mortgage Servicing Rights - Sch

Mortgage Servicing Rights - Schedule of Changes in Mortgage Servicing Rights (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Servicing Asset at Fair Value, Amount [Roll Forward]
Carrying value at beginning of period	$ 164,249	$ 168,365	$ 115,512
Capitalization	4,984	7,192	20,809
Change in fair value:
Due to payoffs/paydowns	(13,693)	(12,327)	(16,012)
Due to change in valuation inputs or assumptions	6,498	1,019	48,056
Carrying value at end of period	$ 162,038	$ 164,249	$ 168,365

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, 2024	Dec. 31, 2023	Dec. 31, 2022
Transfers and Servicing of Financial Assets [Abstract]
Servicing income	$ 29,212	$ 30,263	$ 30,763
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	$ (7,195)	$ (11,308)	$ 32,044
Change in fair value of derivative hedging instruments	(9,083)	(4,918)	(42,143)
Servicing income	12,934	14,037	20,664
Servicing expenses	7,642	8,093	10,259
Net servicing income	$ 5,292	$ 5,944	$ 10,405

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, 2024	Dec. 31, 2023
Transfers and Servicing of Financial Assets [Abstract]
Unpaid principal balance of mortgage loans sold and serviced for others	$ 10,235,048	$ 10,762,906
Weighted-average prepayment speed (CPR)	6.04%	6.19%
Estimated impact on fair value of a 10% increase	$ (4,213)	$ (4,616)
Estimated impact on fair value of a 20% increase	$ (8,168)	$ (8,924)
Discount rate	10.18%	9.62%
Estimated impact on fair value of a 100 bp increase	$ (7,515)	$ (7,637)
Estimated impact on fair value of a 200 bp increase	$ (14,397)	$ (14,624)
Weighted-average coupon interest rate	3.59%	3.47%
Weighted-average servicing fee (basis points)	0.27%	0.27%
Weighted-average remaining maturity (in months)	336 months	334 months

Mortgage Servicing Rights - Nar

Mortgage Servicing Rights - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Transfers and Servicing of Financial Assets [Abstract]
Mortgage escrow deposit	$ 68,995	$ 63,591

Other Assets and Other Liabil_3

Other Assets and Other Liabilities - Schedule of Other Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Other Assets And Other Liabilities [Abstract]
Derivatives	$ 29,951	$ 34,738
Equity securities without a readily determinable market value	23,459	25,191
Current income tax receivable	22,076	5,930
Deferred tax asset	21,597	31,631
Mortgage lending receivable	20,971	16,344
Pledged collateral on derivative instruments	20,961	14,042
Equity method investment	19,970	0
FHLB lender risk account receivable	19,926	20,258
Prepaid expenses	16,018	13,594
Software	1,388	525
Other assets	36,971	41,156
Other assets	$ 233,288	$ 203,409

Other Assets and Other Liabil_4

Other Assets and Other Liabilities - Schedule of Other Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Other Assets And Other Liabilities [Abstract]
Derivatives	$ 32,383	$ 38,215
Accrued payroll	26,901	18,406
Accrued interest payable	24,182	18,809
FHLB lender risk account guaranty	9,738	9,746
Allowance for credit losses on unfunded commitments	6,107	8,770
Deferred compensation	2,328	2,152
Mortgage buyback reserve	697	899
Other liabilities	40,268	45,625
Accrued expenses and other liabilities	$ 142,604	$ 142,622

Deposits - Narrative (Details)

Deposits - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Deposits [Abstract]
Time deposits in denomination of greater than $250	$ 450,011	$ 644,588
Deposits in overdraft status reclassified as loans	$ 2,949	$ 3,475

Deposits - Schedule of Maturiti

Deposits - Schedule of Maturities of Time Deposits (Details) $ in Thousands	Dec. 31, 2024 USD ($)
Deposits [Abstract]
December 31, 2024	$ 1,543,869
December 31, 2025	253,563
December 31, 2026	41,021
December 31, 2027	6,119
December 31, 2028	4,715
Thereafter	7
Total	$ 1,849,294

Borrowings - Schedule of Long-t

Borrowings - Schedule of Long-term Debt Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Assets Sold under Agreements to Repurchase [Line Items]
Outstanding Balance	$ 176,789	$ 390,964
Weighted average interest rate at year-end	0.20%	5.05%
Securities sold under agreements to repurchase and federal funds purchased
Assets Sold under Agreements to Repurchase [Line Items]
Outstanding Balance	$ 13,499	$ 108,764
Weighted average interest rate at year-end	0.20%	5.05%
Bank Term Funding Program
Assets Sold under Agreements to Repurchase [Line Items]
Outstanding Balance	$ 0	$ 130,000
Weighted average interest rate at year-end	0%	4.85%
Subordinated Debt
Assets Sold under Agreements to Repurchase [Line Items]
Outstanding Balance	$ 130,704	$ 129,645
Weighted average interest rate at year-end	5.28%	5.52%
Other borrowings
Assets Sold under Agreements to Repurchase [Line Items]
Outstanding Balance	$ 32,586	$ 22,555
Weighted average interest rate at year-end	0.07%	0.10%

Borrowings - Securities Sold Un

Borrowings - Securities Sold Under Agreements to Repurchase (Details)	12 Months Ended
	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Assets Sold under Agreements to Repurchase [Line Items]
Securities sold under agreements to repurchase	$ 13,499,000	$ 19,328,000
Securities sold under agreements to repurchase, average rate paid	0.20%	1.60%
Percentage of fair value of securities pledged of the outstanding balance of repurchase agreement	1
Weighted average interest rate at year-end	0.20%	5.05%
Collateral Pledged
Assets Sold under Agreements to Repurchase [Line Items]
Letter of credit pledged	$ 0	$ 89,436,000
Weighted average interest rate at year-end		5.79%
Federal Funds Purchased
Assets Sold under Agreements to Repurchase [Line Items]
Line of credit	$ 370,000,000

Borrowings - Schedule of Securi

Borrowings - Schedule of Securities Sold Under Agreements to Repurchase (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Debt Disclosure [Abstract]
Balance at year end	$ 13,499	$ 108,764
Average daily balance during the year	$ 21,339	$ 29,860
Average interest rate during the year	1.72%	2.24%
Maximum month-end balance during the year	$ 78,228	$ 116,220
Weighted average interest rate at year-end	0.20%	5.05%

Borrowings - Federal Home Loan

Borrowings - Federal Home Loan Bank Advances (Details) - USD ($)	Dec. 31, 2024	Dec. 31, 2023
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Total borrowing capacity remaining	$ 1,397,905,000	$ 1,757,702,000
Collateral securing line of credit	2,608,687,000	3,014,023,000
FHLB advances
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Advances	$ 0	$ 0

Borrowings - Schedule of Federa

Borrowings - Schedule of Federal Home Loan Bank Advances (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Debt Disclosure [Abstract]
Balance at year end	$ 0	$ 0
Average daily balance during the year	$ 0	$ 28,973,000
Average interest rate during the year	0%	5.13%
Maximum month-end balance during the year	$ 0	$ 125,000,000
Weighted average interest rate at year-end	0%	0%

Borrowings - Bank Term Funding

Borrowings - Bank Term Funding Program (Details) - USD ($) $ in Thousands	1 Months Ended
	Mar. 31, 2023	Dec. 31, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Borrowings		$ 176,789	$ 390,964
Weighted average interest rate at year-end		0.20%	5.05%
Bank Term Funding Program
Debt Instrument [Line Items]
Basis spread on debt variable rate	0.10%
Borrowings		$ 0	$ 130,000
Weighted average interest rate at year-end		0%	4.85%

Borrowings - Schedule of Bank T

Borrowings - Schedule of Bank Term Funding Program (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Borrowings	$ 176,789	$ 390,964
Average daily balance during the year	21,339	29,860
Maximum month-end balance during the year	$ 78,228	$ 116,220
Weighted average interest rate at year-end	0.20%	5.05%
Bank Term Funding Program
Debt Instrument [Line Items]
Borrowings	$ 0	$ 130,000
Average daily balance during the year	$ 95,902	$ 1,781
Average interest rate during the year	4.86%	4.85%
Maximum month-end balance during the year	$ 130,000	$ 130,000
Weighted average interest rate at year-end	0%	4.85%

Borrowings - Subordinated Debt

Borrowings - Subordinated Debt (Details)	12 Months Ended
	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)	Dec. 31, 2022 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	$ 882,000	$ 723,000	$ 1,212,000
Subordinated Debt
Debt Instrument [Line Items]
Number of separate trusts | trust				2
Long-term debt, term	30 years
Subordinated Debt | 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 | 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 | 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, 2024 USD ($)
Debt Instrument [Line Items]
Total Subordinated Debt, net	$ 130,704
Subordinated Debt
Debt Instrument [Line Items]
Unamortized debt issuance costs	(226)
Floating Rate Trust Preferred Securities Trust | Subordinated Debt
Debt Instrument [Line Items]
Actual, amount	30,000
Floating Rate Trust Preferred Securities Trust I | Subordinated Debt
Debt Instrument [Line Items]
Total Subordinated Debt, net	$ 9,280
Interest Rate	7.84%
Basis spread on debt variable rate	3.51%
Floating Rate Trust Preferred Securities Trust II | Subordinated Debt
Debt Instrument [Line Items]
Total Subordinated Debt, net	$ 21,650
Interest Rate	7.74%
Basis spread on debt variable rate	3.41%
Fixed To Floating Rate Note | Subordinated Debt
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, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Finance leases	$ 1,229	$ 1,326
Borrowings	176,789	390,964
Other borrowings
Debt Instrument [Line Items]
Borrowings	32,586	22,555
GNMA | Other borrowings
Debt Instrument [Line Items]
Borrowings	$ 31,357	$ 21,229

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, 2024	Dec. 31, 2023	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Current	$ 32,382	$ 31,467	$ 22,451
Deferred	(1,763)	(1,415)	12,552
Income tax expense, as reported	$ 30,619	$ 30,052	$ 35,003

Income Taxes - Schedule of Reco

Income Taxes - Schedule of Reconciliation of Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Federal taxes calculated at statutory rate	$ 30,801	$ 31,561	$ 33,510
(Decrease) increase resulting from:
State taxes, net of federal benefit	(404)	(158)	3,845
Expense (benefit) from equity based compensation	56	219	(392)
Municipal interest income, net of interest disallowance	(1,325)	(1,804)	(1,774)
Bank-owned life insurance	(788)	(393)	(305)
Section 162(m) limitation	284	244	241
Nondeductible expenses	2,029	384	326
Other	(34)	(1)	(448)
Income tax expense, as reported	$ 30,619	$ 30,052	$ 35,003
Percentage increase (decrease) resulting from:
Federal taxes calculated at statutory rate	21%	21%	21%
State taxes, net of federal benefit	(0.30%)	(0.10%)	2.40%
Expense (benefit) from equity based compensation	0%	0.10%	(0.20%)
Municipal interest income, net of interest disallowance	(0.90%)	(1.20%)	(1.10%)
Bank-owned life insurance	(0.50%)	(0.30%)	(0.20%)
Section 162(m) limitation	0.20%	0.20%	0.10%
Nondeductible expenses	1.40%	0.30%	0.20%
Other	0%	0%	(0.30%)
Total	20.90%	20%	21.90%

Income Taxes - Schedule of Net

Income Taxes - Schedule of Net Deferred Tax Assets (Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Deferred tax assets:
Allowance for credit losses	$ 39,155	$ 39,228
Operating lease liabilities	21,864	24,607
Net operating loss	523	805
Amortization of core deposit intangibles	1,482	1,135
Deferred compensation	10,372	7,433
Unrealized loss on debt securities	36,766	48,714
Other assets	5,616	4,863
Subtotal	115,778	126,785
Deferred tax liabilities:
FHLB stock dividends	(252)	(263)
Operating leases - right of use assets	(19,252)	(21,312)
Depreciation	(8,117)	(5,996)
Unrealized gain on equity securities	(948)	(2,122)
Unrealized gain on cash flow hedges	0	(151)
Mortgage servicing rights	(42,221)	(42,797)
Goodwill	(20,121)	(17,995)
Other liabilities	(3,270)	(4,518)
Subtotal	(94,181)	(95,154)
Net deferred tax assets	$ 21,597	$ 31,631

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Operating Loss Carryforwards [Line Items]
Net operating loss	$ 523	$ 805
Franklin Financial Network, Inc.
Operating Loss Carryforwards [Line Items]
Net operating loss	$ 2,491	$ 3,835

Dividend Restrictions (Details)

Dividend Restrictions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Disclosure of Restrictions on Dividends, Loans and Advances Disclosure [Abstract]
Amount available for payment of dividend without prior approval	$ 185,927	$ 218,415
Cash dividends	61,500	49,000	$ 49,000
Noncash dividends	$ 21,700	$ 0	$ 0

Commitments and Contingencies -

Commitments and Contingencies - Schedule of Financial Instruments with Off-Balance Sheet Credit Risk (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Balance at end of period	$ 2,839,960	$ 2,983,071
Commitments to extend credit, excluding interest rate lock commitments
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Balance at end of period	2,770,105	2,906,016
Letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Balance at end of period	$ 69,855	$ 77,055

Commitments and Contingencies_2

Commitments and Contingencies - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Commitments and Contingencies Disclosure [Abstract]
Floating interest rate loan commitments	$ 2,573,218	$ 2,459,669
Total principal amount of loans repurchased or indemnified	$ 6,181	$ 8,552	$ 7,834

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, 2024	Dec. 31, 2023	Dec. 31, 2022
Commitments and Contingencies [Roll Forward]
Balance at beginning of period	$ 150,326	$ 134,192	$ 125,559
Balance at end of period	151,942	150,326	134,192
Unfunded Commitments
Commitments and Contingencies [Roll Forward]
Balance at beginning of period	8,770	22,969	14,380
(Reversal of) provision for credit losses on unfunded commitments	(2,663)	(14,199)	8,589
Balance at end of period	$ 6,107	$ 8,770	$ 22,969

Commitments and Contingencies_4

Commitments and Contingencies - Schedule of Activity in the Repurchase Reserve (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Commitments and Contingencies [Roll Forward]
Balance at beginning of period	$ 899	$ 1,621	$ 4,802
Provision for (reversal of) loan repurchases or indemnifications	235	(650)	(2,989)
Losses on loans repurchased or indemnified	(437)	(72)	(192)
Balance at end of period	$ 697	$ 899	$ 1,621

Derivatives - Narrative (Detail

Derivatives - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Derivative [Line Items]
Derivatives	$ 29,951,000	$ 34,738,000
Cash collateral pledged on derivatives	20,961,000	14,042,000
Designated as hedging | Interest expense on deposits
Derivative [Line Items]
Terminated fair value hedge increase amount	4,588,000
Gain (loss) included in income statement	517,000	985,000	$ (93,000)
Interest Rate Swap | Designated as hedging | Subordinated Debt
Derivative [Line Items]
Notional Amount		30,000,000
Notional amount, matured	30,000,000
Derivatives	0	579,000
Interest Rate Swap | Interest expense on deposits | Designated as hedging
Derivative [Line Items]
Notional Amount		200,000,000
Notional amount, terminated	200,000,000
Fair value hedge		4,497,000
Interest Rate Swap | Subordinated Debt | Designated as hedging
Derivative [Line Items]
Notional Amount		100,000,000
Fair value hedge	0	$ 673,000
Notional amount, matured	$ 100,000,000

Derivatives - Schedule Income I

Derivatives - Schedule Income Included In Interest Expense On Borrowings And Deposits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Derivatives, Fair Value [Line Items]
Interest expense on deposits and borrowings	$ 416,503	$ 407,217	$ 412,235
Interest Rate Swap | Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Interest expense on deposits and borrowings	(5,233)	(10,806)	(1,112)
Interest Rate Swap | Designated as Hedging Instrument | Interest expense on deposits
Derivatives, Fair Value [Line Items]
Interest expense on deposits and borrowings	(4,588)	(7,176)	(717)
Interest Rate Swap | Designated as Hedging Instrument | Interest expense on borrowings
Derivatives, Fair Value [Line Items]
Interest expense on deposits and borrowings	$ (645)	$ (3,630)	$ (395)

Derivatives - Schedule of Balan

Derivatives - Schedule of Balance Sheet (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Subordinated Debt
Derivative [Line Items]
Unamortized subordinated debt issuance costs	$ 226
Interest Rate Swap
Derivative [Line Items]
Carrying amount of the hedged item		$ 296,858
Cumulative decrease in fair value hedging adjustment included in the carrying amount of the hedged item		(5,170)
Money market and savings deposits | Interest Rate Swap
Derivative [Line Items]
Carrying amount of the hedged item		198,143
Cumulative decrease in fair value hedging adjustment included in the carrying amount of the hedged item		(4,497)
Purchase accounting fair value premium		2,640
Borrowings | Interest Rate Swap
Derivative [Line Items]
Carrying amount of the hedged item		98,715
Cumulative decrease in fair value hedging adjustment included in the carrying amount of the hedged item		(673)
Borrowings | Interest Rate Swap | Subordinated Debt
Derivative [Line Items]
Unamortized subordinated debt issuance costs		$ 612

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	3 Months Ended	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Derivatives, Fair Value [Line Items]
Amount of (loss) gain recognized in other comprehensive income (loss), net of tax (benefit) expense of $(151), $(176) and $532	$ 176	$ 151	$ 176	$ (532)
Amount of (loss) gain recognized in other comprehensive income (loss), net of tax (benefit) expense of $(151), $(176) and $532		428	500	(1,508)
Designated as hedging
Derivatives, Fair Value [Line Items]
Amount of (loss) gain recognized in other comprehensive income (loss), net of tax (benefit) expense of $(151), $(176) and $532		428	500	(1,508)
Not designated as hedging
Derivatives, Fair Value [Line Items]
Gains (losses) on derivative financial instruments		(8,772)	(3,768)	13,695
Not designated as hedging | Interest rate-lock commitments
Derivatives, Fair Value [Line Items]
Gains (losses) on derivative financial instruments		(556)	(230)	(5,764)
Not designated as hedging | Forward commitments
Derivatives, Fair Value [Line Items]
Gains (losses) on derivative financial instruments		(546)	953	55,804
Not designated as hedging | Futures contracts
Derivatives, Fair Value [Line Items]
Gains (losses) on derivative financial instruments		(7,670)	(3,366)	(36,381)
Not designated as hedging | Option contracts
Derivatives, Fair Value [Line Items]
Gains (losses) on derivative financial instruments		$ 0	$ (1,125)	$ 36

Derivatives - Schedule of Non-D

Derivatives - Schedule of Non-Designated Derivative Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Asset	$ 29,951	$ 34,738
Liability	32,383	38,215
Not designated as hedging
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional Amount	987,839	1,052,082
Asset	29,951	34,159
Liability	32,383	33,045
Interest rate contracts | Not designated as hedging
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional Amount	565,152	569,865
Asset	29,298	32,179
Liability	29,377	32,184
Forward commitments | Not designated as hedging
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional Amount	140,000	159,000
Asset	6	0
Liability	0	861
Interest rate-lock commitments | Not designated as hedging
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional Amount	65,687	69,217
Asset	647	1,203
Liability	0	0
Futures contracts | Not designated as hedging
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Notional Amount	217,000	254,000
Asset	0	777
Liability	$ 3,006	$ 0

Derivatives - Schedule of Offse

Derivatives - Schedule of Offsetting Derivative Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Offsetting Derivative Assets
Gross amounts recognized	$ 28,379	$ 31,468
Gross amounts offset on the consolidated balance sheets	0	0
Net amounts presented on the consolidated balance sheets	28,379	31,468
Financial instruments	1,030	6,502
Financial collateral pledged	0	0
Net amounts	27,349	24,966
Offsetting Derivative Liabilities
Gross amounts recognized	9,144	11,330
Gross amounts offset on the consolidated balance sheets	0	0
Net amounts presented on the consolidated balance sheets	9,144	11,330
Financial instruments	1,030	6,502
Financial collateral pledged	8,114	4,828
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, 2024	Dec. 31, 2023
Financial assets:
AFS debt securities:	$ 1,538,008	$ 1,471,973
Derivatives	29,951	34,738
Financial liabilities:
Derivatives	32,383	38,215
Mortgage-backed securities - residential
Financial assets:
AFS debt securities:	810,999	896,971
Mortgage-backed securities - commercial
Financial assets:
AFS debt securities:	14,857	16,961
Municipal securities
Financial assets:
AFS debt securities:	147,857	242,263
U.S. Treasury securities
Financial assets:
AFS debt securities:	299	108,496
Corporate securities
Financial assets:
AFS debt securities:	989	3,326
Recurring Basis
Financial assets:
Total securities	1,538,008	1,471,973
Loans held for sale, at fair value	95,403	46,618
Mortgage servicing rights	162,038	164,249
Derivatives	29,951	34,738
Financial liabilities:
Derivatives	32,383	38,215
Recurring Basis | U.S. government agency securities
Financial assets:
AFS debt securities:	563,007	203,956
Recurring Basis | Mortgage-backed securities - residential
Financial assets:
AFS debt securities:	810,999	896,971
Recurring Basis | Mortgage-backed securities - commercial
Financial assets:
AFS debt securities:	14,857	16,961
Recurring Basis | Municipal securities
Financial assets:
AFS debt securities:	147,857	242,263
Recurring Basis | U.S. Treasury securities
Financial assets:
AFS debt securities:	299	108,496
Recurring Basis | Corporate securities
Financial assets:
AFS debt securities:	989	3,326
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1)
Financial assets:
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:
AFS debt securities:	0	0
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1) | Mortgage-backed securities - residential
Financial assets:
AFS debt securities:	0	0
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1) | Mortgage-backed securities - commercial
Financial assets:
AFS debt securities:	0	0
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1) | Municipal securities
Financial assets:
AFS debt securities:	0	0
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1) | U.S. Treasury securities
Financial assets:
AFS debt securities:	0	0
Recurring Basis | Quoted prices in active markets for identical assets (liabilities) (level 1) | Corporate securities
Financial assets:
AFS debt securities:	0	0
Recurring Basis | Significant other observable inputs (level 2)
Financial assets:
Total securities	1,538,008	1,471,973
Loans held for sale, at fair value	95,403	46,618
Mortgage servicing rights	0	0
Derivatives	29,951	34,738
Financial liabilities:
Derivatives	32,383	38,215
Recurring Basis | Significant other observable inputs (level 2) | U.S. government agency securities
Financial assets:
AFS debt securities:	563,007	203,956
Recurring Basis | Significant other observable inputs (level 2) | Mortgage-backed securities - residential
Financial assets:
AFS debt securities:	810,999	896,971
Recurring Basis | Significant other observable inputs (level 2) | Mortgage-backed securities - commercial
Financial assets:
AFS debt securities:	14,857	16,961
Recurring Basis | Significant other observable inputs (level 2) | Municipal securities
Financial assets:
AFS debt securities:	147,857	242,263
Recurring Basis | Significant other observable inputs (level 2) | U.S. Treasury securities
Financial assets:
AFS debt securities:	299	108,496
Recurring Basis | Significant other observable inputs (level 2) | Corporate securities
Financial assets:
AFS debt securities:	989	3,326
Recurring Basis | Significant unobservable inputs (level 3)
Financial assets:
Total securities	0	0
Loans held for sale, at fair value	0	0
Mortgage servicing rights	162,038	164,249
Derivatives	0	0
Financial liabilities:
Derivatives	0	0
Recurring Basis | Significant unobservable inputs (level 3) | U.S. government agency securities
Financial assets:
AFS debt securities:	0	0
Recurring Basis | Significant unobservable inputs (level 3) | Mortgage-backed securities - residential
Financial assets:
AFS debt securities:	0	0
Recurring Basis | Significant unobservable inputs (level 3) | Mortgage-backed securities - commercial
Financial assets:
AFS debt securities:	0	0
Recurring Basis | Significant unobservable inputs (level 3) | Municipal securities
Financial assets:
AFS debt securities:	0	0
Recurring Basis | Significant unobservable inputs (level 3) | U.S. Treasury securities
Financial assets:
AFS debt securities:	0	0
Recurring Basis | Significant unobservable inputs (level 3) | Corporate securities
Financial assets:
AFS debt 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, 2024	Dec. 31, 2023
Financial assets:
Other real estate owned	$ 2,873	$ 2,400
Collateral-dependent net loans held for investment	30,512	13,041
Commercial and industrial
Financial assets:
Collateral-dependent net loans held for investment	694	12,338
Construction
Financial assets:
Collateral-dependent net loans held for investment	20,818	203
Residential real estate: | Multi-family mortgage
Financial assets:
Collateral-dependent net loans held for investment	9,000
Residential real estate: | 1-to-4 family mortgage
Financial assets:
Collateral-dependent net loans held for investment		429
Consumer and other
Financial assets:
Collateral-dependent net loans held for investment		71
Quoted prices in active markets for identical assets (liabilities) (level 1)
Financial assets:
Other real estate owned	0	0
Collateral-dependent net loans held for investment	0	0
Quoted prices in active markets for identical assets (liabilities) (level 1) | Commercial and industrial
Financial assets:
Collateral-dependent net loans held for investment	0	0
Quoted prices in active markets for identical assets (liabilities) (level 1) | Construction
Financial assets:
Collateral-dependent net loans held for investment	0	0
Quoted prices in active markets for identical assets (liabilities) (level 1) | Residential real estate: | Multi-family mortgage
Financial assets:
Collateral-dependent net loans held for investment	0
Quoted prices in active markets for identical assets (liabilities) (level 1) | Residential real estate: | 1-to-4 family mortgage
Financial assets:
Collateral-dependent net loans held for investment		0
Quoted prices in active markets for identical assets (liabilities) (level 1) | Consumer and other
Financial assets:
Collateral-dependent net loans held for investment		0
Significant other observable inputs (level 2)
Financial assets:
Other real estate owned	0	0
Collateral-dependent net loans held for investment	0	0
Significant other observable inputs (level 2) | Commercial and industrial
Financial assets:
Collateral-dependent net loans held for investment	0	0
Significant other observable inputs (level 2) | Construction
Financial assets:
Collateral-dependent net loans held for investment	0	0
Significant other observable inputs (level 2) | Residential real estate: | Multi-family mortgage
Financial assets:
Collateral-dependent net loans held for investment	0
Significant other observable inputs (level 2) | Residential real estate: | 1-to-4 family mortgage
Financial assets:
Collateral-dependent net loans held for investment		0
Significant other observable inputs (level 2) | Consumer and other
Financial assets:
Collateral-dependent net loans held for investment		0
Significant unobservable inputs (level 3)
Financial assets:
Other real estate owned	2,873	2,400
Collateral-dependent net loans held for investment	30,512	13,041
Significant unobservable inputs (level 3) | Commercial and industrial
Financial assets:
Collateral-dependent net loans held for investment	694	12,338
Significant unobservable inputs (level 3) | Construction
Financial assets:
Collateral-dependent net loans held for investment	20,818	203
Significant unobservable inputs (level 3) | Residential real estate: | Multi-family mortgage
Financial assets:
Collateral-dependent net loans held for investment	$ 9,000
Significant unobservable inputs (level 3) | Residential real estate: | 1-to-4 family mortgage
Financial assets:
Collateral-dependent net loans held for investment		429
Significant unobservable inputs (level 3) | Consumer and other
Financial assets:
Collateral-dependent net loans held for 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
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	Changes in valuation included in other noninterest income
Franklin Financial Network, Inc. | Commercial and industrial | 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
Change in fair value:
Paydowns and payoffs	(28,376)	(43,676)
Write-offs to discount	(5,981)	(8,729)
Changes in valuation included in other noninterest income	0	0
Carrying value at end of period	0	34,357
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)
Change in fair value:
Paydowns and payoffs	0	0
Write-offs to discount	5,981	8,729
Changes in valuation included in other noninterest income	(2,114)	(5,133)
Carrying value at end of period	0	(3,867)
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
Change in fair value:
Paydowns and payoffs	(28,376)	(43,676)
Write-offs to discount	0	0
Changes in valuation included in other noninterest income	(2,114)	(5,133)
Carrying value at end of period	$ 0	$ 30,490

Fair Value of Financial Instr_6

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, 2024 USD ($)	Dec. 31, 2023 USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral-dependent net loans held for investment	$ 30,512	$ 13,041
Other real estate owned	2,873	2,400
Significant unobservable inputs (level 3)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral-dependent net loans held for investment	30,512	13,041
Other real estate owned	$ 2,873	$ 2,400
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	0.40	0.61
Other real estate owned, measurement input	0.10	0.15

Fair Value of Financial Instr_7

Fair Value of Financial Instruments - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
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	$ 376	$ (121)	$ (13,677)
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	1,241	(1,815)	$ (17,633)
Level 3 | Non-recurring Basis
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Amortized costs of collateral dependent loans	$ 34,712	$ 18,166

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, 2024	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans held for sale	$ 126,760	$ 67,847
Other | Fair Value Option
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale	95,403	46,618
GNMA
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage loans held for sale	$ 31,357	$ 21,229

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, 2024	Dec. 31, 2023
Aggregate fair value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Differences between the fair value and the principal balance for mortgage loans held for sale	$ 95,403	$ 46,618
Aggregate unpaid principal balance
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Differences between the fair value and the principal balance for mortgage loans held for sale	93,918	45,509
Difference
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Differences between the fair value and the principal balance for mortgage loans held for sale	$ 1,485	$ 1,109

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, 2024	Dec. 31, 2023
Financial assets:
Net loans held for investment	$ 9,450,442	$ 9,258,457
Interest receivable	49,611	52,715
Derivatives	$ 29,951	$ 34,738
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Financial liabilities:
Derivatives	$ 32,383	$ 38,215
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Accrued expenses and other liabilities	Accrued expenses and other liabilities
Carrying amount
Financial assets:
Cash and cash equivalents	$ 1,042,488	$ 810,932
Investment securities	1,538,008	1,471,973
Net loans held for investment	9,450,442	9,258,457
Loans held for sale, at fair value	95,403	46,618
Interest receivable	49,611	52,715
Mortgage servicing rights	162,038	164,249
Derivatives	29,951	34,738
Financial liabilities:
Without stated maturities	9,361,140	8,927,654
With stated maturities	1,849,294	1,620,633
Securities sold under agreements to repurchase and federal funds purchased	13,499	108,764
Bank Term Funding Program		130,000
Subordinated debt, net	130,704	129,645
Interest payable	24,182	18,809
Derivatives	32,383	38,215
Fair Value
Financial assets:
Cash and cash equivalents	1,042,488	810,932
Investment securities	1,538,008	1,471,973
Net loans held for investment	9,221,311	9,068,518
Loans held for sale, at fair value	95,403	46,618
Interest receivable	49,611	52,715
Mortgage servicing rights	162,038	164,249
Derivatives	29,951	34,738
Financial liabilities:
Without stated maturities	9,361,140	8,927,654
With stated maturities	1,846,989	1,614,400
Securities sold under agreements to repurchase and federal funds purchased	13,499	108,764
Bank Term Funding Program		130,000
Subordinated debt, net	126,684	122,671
Interest payable	24,182	18,809
Derivatives	32,383	38,215
Fair Value | Level 1
Financial assets:
Cash and cash equivalents	1,042,488	810,932
Investment securities	0	0
Net loans held for investment	0	0
Loans held for sale, at fair value	0	0
Interest receivable	629	388
Mortgage servicing rights	0	0
Derivatives	0	0
Financial liabilities:
Without stated maturities	9,361,140	8,927,654
With stated maturities	0	0
Securities sold under agreements to repurchase and federal funds purchased	13,499	108,764
Bank Term Funding Program		0
Subordinated debt, net	0	0
Interest payable	3,759	4,104
Derivatives	0	0
Fair Value | Level 2
Financial assets:
Cash and cash equivalents	0	0
Investment securities	1,538,008	1,471,973
Net loans held for investment	0	0
Loans held for sale, at fair value	95,403	46,618
Interest receivable	8,012	8,551
Mortgage servicing rights	0	0
Derivatives	29,951	34,738
Financial liabilities:
Without stated maturities	0	0
With stated maturities	1,846,989	1,614,400
Securities sold under agreements to repurchase and federal funds purchased	0	0
Bank Term Funding Program		130,000
Subordinated debt, net	0	0
Interest payable	18,923	13,205
Derivatives	32,383	38,215
Fair Value | Level 3
Financial assets:
Cash and cash equivalents	0	0
Investment securities	0	0
Net loans held for investment	9,221,311	9,068,518
Loans held for sale, at fair value	0	0
Interest receivable	40,970	43,776
Mortgage servicing rights	162,038	164,249
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
Subordinated debt, net	126,684	122,671
Interest payable	1,500	1,500
Derivatives	$ 0	$ 0

Parent Company Financial Stat_3

Parent Company Financial Statements - Schedule of Balance Sheet (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and cash equivalents	$ 1,042,488	$ 810,932
Other assets	233,288	203,409
Goodwill	242,561	242,561	$ 242,561
Total assets	13,157,482	12,604,403	$ 12,847,756
LIABILITIES
Borrowings	176,789	390,964
Accrued expenses and other liabilities	142,604	142,622
Total liabilities	11,589,851	11,149,516
SHAREHOLDERS’ EQUITY
Common stock	46,663	46,849
Additional paid-in capital	860,266	864,258
Retained earnings	762,293	678,412
Accumulated other comprehensive loss	(101,684)	(134,725)
Total FB Financial Corporation common shareholders’ equity	1,567,538	1,454,794
Total liabilities and shareholders’ equity	13,157,482	12,604,403
Parent Company
ASSETS
Cash and cash equivalents	32,857	21,448
Investments in subsidiaries	1,527,292	1,449,439
Other assets	38,918	15,291
Goodwill	29	29
Total assets	1,599,096	1,486,207
LIABILITIES
Borrowings	30,930	30,930
Accrued expenses and other liabilities	628	483
Total liabilities	31,558	31,413
SHAREHOLDERS’ EQUITY
Common stock	46,663	46,849
Additional paid-in capital	860,266	864,258
Retained earnings	762,293	678,412
Accumulated other comprehensive loss	(101,684)	(134,725)
Total FB Financial Corporation common shareholders’ equity	1,567,538	1,454,794
Total liabilities and shareholders’ equity	$ 1,599,096	$ 1,486,207

Parent Company Financial Stat_4

Parent Company Financial Statements - Schedule of Income Statements (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income
Dividend income from bank subsidiaries	$ 44,330	$ 44,805	$ 12,258
Net interest income	416,503	407,217	412,235
Expenses
Other noninterest expense	98,173	106,649	124,253
Net income applicable to FB Financial Corporation	116,035	120,224	124,555
Parent Company
Income
Dividend income from bank subsidiaries	83,200	49,000	49,000
Dividend income from nonbank subsidiaries	0	530	0
Other income	7	57	89
Net interest income	83,207	49,587	49,089
Expenses
Interest expense	2,107	1,590	1,587
Salaries, legal and professional fees	1,549	1,461	1,590
Other noninterest expense	426	478	771
Total expenses	4,082	3,529	3,948
Income before income tax benefit and equity in undistributed earnings of subsidiaries	79,125	46,058	45,141
Federal and state income tax benefit	(1,047)	(887)	(1,002)
Income before equity in undistributed earnings of subsidiaries	80,172	46,945	46,143
Equity in undistributed earnings from bank subsidiaries	35,863	73,832	76,232
Equity in undistributed earnings from nonbank subsidiaries	0	(553)	2,180
Net income applicable to FB Financial Corporation	$ 116,035	$ 120,224	$ 124,555

Parent Company Financial Stat_5

Parent Company Financial Statements - Schedule of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Operating Activities
Net income	$ 116,035	$ 120,224	$ 124,555
Adjustments to reconcile net income to net cash provided by operating activities:
Stock-based compensation expense	9,485	10,381	9,857
Net cash provided by operating activities	138,800	211,072	799,713
Investing Activities
Net cash used in investing activities	(294,004)	(55,215)	(1,754,118)
Financing Activities
Stock-based compensation withholding payments	(1,846)	(3,379)	(2,842)
Net proceeds from sale of common stock under employee stock purchase program	882	723	1,212
Repurchase of common stock	(12,699)	(4,944)	(39,979)
Dividends paid on common stock	(31,780)	(28,057)	(24,503)
Dividend equivalent payments made upon vesting of equity compensation	(166)	(226)	(168)
Net cash used in financing activities	386,760	(371,977)	183,717
Net change in cash and cash equivalents	231,556	(216,120)	(770,688)
Cash and cash equivalents at beginning of the period	810,932	1,027,052	1,797,740
Cash and cash equivalents at end of the period	1,042,488	810,932	1,027,052
Supplemental cash flow information:
Dividends declared not paid on restricted stock units and performance stock units	374	287	222
Parent Company
Operating Activities
Net income	116,035	120,224	124,555
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed income of bank subsidiary	(35,863)	(73,832)	(76,232)
Equity in undistributed income of nonbank subsidiary	0	553	(2,180)
Stock-based compensation expense	9,485	10,381	9,857
(Increase) decrease in other assets	(24,055)	1,017	(802)
Decrease in other liabilities	(8,584)	(4,064)	(7,381)
Net cash provided by operating activities	57,018	54,279	47,817
Investing Activities
Net cash used in investing activities	0	0	0
Financing Activities
Stock-based compensation withholding payments	(1,846)	(3,379)	(2,842)
Net proceeds from sale of common stock under employee stock purchase program	882	723	1,212
Repurchase of common stock	(12,699)	(4,944)	(39,979)
Dividends paid on common stock	(31,780)	(28,057)	(24,503)
Dividend equivalent payments made upon vesting of equity compensation	(166)	(226)	(168)
Net cash used in financing activities	(45,609)	(35,883)	(66,280)
Net change in cash and cash equivalents	11,409	18,396	(18,463)
Cash and cash equivalents at beginning of the period	21,448	3,052	21,515
Cash and cash equivalents at end of the period	32,857	21,448	3,052
Supplemental cash flow information:
Dividends declared not paid on restricted stock units and performance stock units	374	287	222
Noncash dividends from bank subsidiary	$ 21,700	$ 0	$ 0

Segment Reporting - Narrative (

Segment Reporting - Narrative (Details)	12 Months Ended
	Dec. 31, 2024 segment
Segment Reporting [Abstract]
Number of reporting segments	2

Segment Reporting - Schedule of

Segment Reporting - Schedule of Segment Financial Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Segment Reporting Information [Line Items]
Interest income	$ 725,538	$ 678,410	$ 481,422
Interest expense	309,035	271,193	69,187
Net interest income	416,503	407,217	412,235
Provisions for (reversals of) credit losses	12,004	2,539	18,982
Net interest income after provision for credit losses	404,499	404,678	393,253
Mortgage banking income	62,912	60,918	83,679
Change in fair value of mortgage servicing rights, net of hedging	(16,278)	(16,226)	(10,099)
Other noninterest (loss) income	(7,564)	25,851	41,087
Total noninterest income	39,070	70,543	114,667
Salaries, commissions and employee benefits	183,813	203,441	211,491
Depreciation and amortization	11,966	11,180	8,017
Amortization of intangibles	2,947	3,659	4,585
Other noninterest expense	98,173	106,649	124,253
Total noninterest expense	296,899	324,929	348,346
Income before income taxes	146,670	150,292	159,574
Income tax expense	30,619	30,052	35,003
Net income applicable to FB Financial Corporation and noncontrolling interest	116,051	120,240	124,571
Net income applicable to noncontrolling interest	16	16	16
Net income applicable to FB Financial Corporation	116,035	120,224	124,555
Total assets	13,157,482	12,604,403	12,847,756
Goodwill	242,561	242,561	242,561
Banking Segment
Segment Reporting Information [Line Items]
Interest income	726,033	678,591	470,430
Interest expense	315,250	277,342	71,405
Net interest income	410,783	401,249	399,025
Provisions for (reversals of) credit losses	12,264	2,599	18,982
Net interest income after provision for credit losses	398,519	398,650	380,043
Mortgage banking income	0	0	0
Change in fair value of mortgage servicing rights, net of hedging	0	0	0
Other noninterest (loss) income	(8,376)	25,831	41,312
Total noninterest income	(8,376)	25,831	41,312
Salaries, commissions and employee benefits	154,411	170,625	150,408
Depreciation and amortization	11,541	10,444	7,035
Amortization of intangibles	2,947	3,659	4,585
Other noninterest expense	78,172	85,407	63,248
Total noninterest expense	247,071	270,135	225,276
Income before income taxes	143,072	154,346	196,079
Total assets	12,554,435	12,050,245	12,232,849
Goodwill	242,561	242,561	242,561
Mortgage
Segment Reporting Information [Line Items]
Interest income	(495)	(181)	10,992
Interest expense	(6,215)	(6,149)	(2,218)
Net interest income	5,720	5,968	13,210
Provisions for (reversals of) credit losses	(260)	(60)	0
Net interest income after provision for credit losses	5,980	6,028	13,210
Mortgage banking income	62,912	60,918	83,679
Change in fair value of mortgage servicing rights, net of hedging	(16,278)	(16,226)	(10,099)
Other noninterest (loss) income	812	20	(225)
Total noninterest income	47,446	44,712	73,355
Salaries, commissions and employee benefits	29,402	32,816	61,083
Depreciation and amortization	425	736	982
Amortization of intangibles	0	0	0
Other noninterest expense	20,001	21,242	61,005
Total noninterest expense	49,828	54,794	123,070
Income before income taxes	3,598	(4,054)	(36,505)
Total assets	603,047	554,158	614,907
Goodwill	$ 0	$ 0	$ 0

Minimum Capital Requirements -

Minimum Capital Requirements - Schedule of Actual and Required Capital Amounts and Ratios (Details) $ in Thousands	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
FB Financial Corporation
Total Capital (to risk-weighted assets)
Actual, amount	$ 1,721,941	$ 1,635,848
Actual, ratio	0.152	0.145
Minimum requirement for capital adequacy with capital buffer, amount	$ 1,187,163	$ 1,182,028
Minimum requirement for capital adequacy with capital buffer, ratio	0.105	0.105
Tier 1 Capital (to risk-weighted assets)
Actual, amount	$ 1,480,722	$ 1,405,890
Actual, ratio	0.131	0.125
Minimum requirement for capital adequacy with capital buffer, amount	$ 961,037	$ 956,880
Minimum requirement for capital adequacy with capital buffer, ratio	0.085	0.085
Common Equity Tier 1 Capital (to risk-weighted assets)
Actual, amount	$ 1,450,722	$ 1,375,890
Actual ratio	0.128	0.122
Minimum requirement for capital adequacy with capital buffer, amount	$ 791,442	$ 788,018
Minimum requirement for capital adequacy with capital buffer, ratio	0.070	0.070
Tier 1 Capital (to average assets)
Actual, amount	$ 1,480,722	$ 1,405,890
Actual, ratio	0.113	0.113
Minimum requirement for capital adequacy with capital buffer, amount	$ 522,557	$ 496,485
Minimum requirement for capital adequacy with capital buffer, ratio	0.040	0.040
FirstBank
Total Capital (to risk-weighted assets)
Actual, amount	$ 1,650,305	$ 1,600,950
Actual, ratio	0.147	0.142
Minimum requirement for capital adequacy with capital buffer, amount	$ 1,175,095	$ 1,179,886
Minimum requirement for capital adequacy with capital buffer, ratio	0.105	0.105
To qualify as well-capitalized under prompt corrective action provision, amount	$ 1,119,138	$ 1,123,701
To qualify as well-capitalized under prompt corrective action provision, ratio	0.100	0.100
Tier 1 Capital (to risk-weighted assets)
Actual, amount	$ 1,410,505	$ 1,370,991
Actual, ratio	0.126	0.122
Minimum requirement for capital adequacy with capital buffer, amount	$ 951,267	$ 955,145
Minimum requirement for capital adequacy with capital buffer, ratio	0.085	0.085
To qualify as well-capitalized under prompt corrective action provision, amount	$ 895,310	$ 898,960
To qualify as well-capitalized under prompt corrective action provision, ratio	0.080	0.080
Common Equity Tier 1 Capital (to risk-weighted assets)
Actual, amount	$ 1,410,505	$ 1,370,991
Actual ratio	0.126	0.122
Minimum requirement for capital adequacy with capital buffer, amount	$ 783,397	$ 786,590
Minimum requirement for capital adequacy with capital buffer, ratio	0.070	0.070
To qualify as well-capitalized under prompt corrective action provision, amount	$ 727,440	$ 730,405
To qualify as well-capitalized under prompt corrective action provision, ratio	0.065	0.065
Tier 1 Capital (to average assets)
Actual, amount	$ 1,410,505	$ 1,370,991
Actual, ratio	0.108	0.111
Minimum requirement for capital adequacy with capital buffer, amount	$ 521,538	$ 495,761
Minimum requirement for capital adequacy with capital buffer, ratio	0.040	0.040
To qualify as well-capitalized under prompt corrective action provision, amount	$ 651,923	$ 619,701
To qualify as well-capitalized under prompt corrective action provision, ratio	0.050	0.050

Employee Benefit Plans (Details

Employee Benefit Plans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
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	$ 3,225	$ 3,450	$ 3,686
Post retirement benefits payable	2,328	2,152
Cash surrender value of bank owned life insurance	72,504	76,143
Cash value income	$ 3,753	$ 1,871	$ 1,452

Stock-Based Compensation - Sche

Stock-Based Compensation - Schedule of Changes in Restricted Stock Units (Details) - RSUs	12 Months Ended
	Dec. 31, 2024 $ / shares shares
Restricted Stock Units Outstanding
Balance at beginning of period (in shares) | shares	323,520,000
Granted (in shares) | shares	182,447,000
Vested (in shares) | shares	(150,194,000)
Forfeited (in shares) | shares	(10,337,000)
Balance at end of period (in shares) | shares	345,436,000
Weighted Average Grant Date Fair Value
Balance at beginning of period (in dollars per share) | $ / shares	$ 37.52
Granted (in dollars per share) | $ / shares	36.07
Vested (in dollars per share) | $ / shares	37.64
Forfeited (in dollars per share) | $ / shares	37.34
Balance at end of period (in dollars per share) | $ / shares	$ 36.71

Stock-Based Compensation - Narr

Stock-Based Compensation - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based compensation expense	$ 9,485	$ 10,381	$ 9,857
Dividends declared not paid on restricted stock units and performance stock units	374	287	222
Proceeds from employee payroll withholdings	861	686	1,087
RSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Fair value of restricted stock units vested and released	5,653	8,089	8,018
Stock-based compensation expense	7,340	7,438	7,372
Unrecognized compensation cost related to nonvested awards	$ 6,825
Expected weighted-average period to be recognized	1 year 8 months 4 days
Dividends declared not paid on restricted stock units and performance stock units	$ 344	268
RSUs | 2016-LTIP Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares available for issuable (in shares)	1,351,486
RSUs | Directors
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based compensation expense	$ 838	834	663
PSUs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based compensation expense	2,145	2,943	$ 2,485
Unrecognized compensation cost related to nonvested awards	$ 12,770
Expected weighted-average period to be recognized	1 year 9 months 14 days
Dividends declared not paid on restricted stock units and performance stock units	$ 217	$ 85
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%
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)	21,862	20,520	26,950
Number of shares reserved for issuance (in shares)	2,272,364

Stock-Based Compensation - Sc_2

Stock-Based Compensation - Schedule of Changes in Performance Stock Units (Details) - PSUs	12 Months Ended
	Dec. 31, 2024 $ / shares shares
Performance Stock Units Outstanding
Balance at beginning of period (in shares) | shares	176,163
Granted (in shares) | shares	100,267
Performance adjustment (in shares) | shares	(9,778)
Vested (in shares) | shares	(40,071)
Forfeited or expired (in shares) | shares	(3,188)
Balance at end of period (in shares) | shares	223,393
Weighted Average Grant Date Fair Value
Balance at beginning of period (in dollars per share)	$ 40.86
Granted (in dollars per share)	35.60
Performance adjustment (in dollars per share)	42.71
Vested (in dollars per share)	42.71
Forfeited or expired (in dollars per share)	38.07
Balance at end of period (in dollars per share)	38.06
Tranche Three
Weighted Average Grant Date Fair Value
Granted (in dollars per share)	$ 35.60
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, 2024 $ / shares shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in dollars per share)	$ 35.60
Tranche One
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in dollars per share)	$ 44.44
PSUs outstanding (in shares) | shares	48,710
Tranche Two
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in dollars per share)	$ 37.17
PSUs outstanding (in shares) | shares	75,893
Tranche Three
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in dollars per share)	$ 35.60
PSUs outstanding (in shares) | shares	98,790

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, 2024 USD ($)
Financing Receivable, Related Parties [Roll Forward]
Loans outstanding at January 1, 2024	$ 49,073
New loans and advances	5,041
Change in related party status	0
Repayments	(22,708)
Loans outstanding at December 31, 2024	$ 31,406

Related Party Transactions - Na

Related Party Transactions - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Related Party Transaction [Line Items]
Deposits from related parties	$ 282,963	$ 316,141
Other income	12,091	6,095	$ 5,213
Equity method investment (See Note 2)	19,970	10,000
Amortized cost	1,679,397	1,658,779
Manufactured loan housing securities
Related Party Transaction [Line Items]
Mater loan purchase agreement, maximum capacity	$ 250,000
Master loan purchase agreement, term	5 years
Loans purchased	$ 58,171	33,164	0
Amortized cost	86,890	32,154
Directors
Related Party Transaction [Line Items]
Operating lease expense	411	385	396
Directors | FBK Aviation, LLC | Aviation Time Sharing Agreements
Related Party Transaction [Line Items]
Other income	50	28	$ 52
Unfunded Loan Commitment | Certain Executive Officers, Certain Management and Directors and Their Associates
Related Party Transaction [Line Items]
Unfunded commitments	$ 14,510	$ 44,206